Planning

BUDGET 2016

Retirement transition scheme hobbled in budget

Mark Bouris 12:15 AM   Financial expert Mark Bouris gives his verdict on whether the transition-to-retirement (TTR) scheme is still worthwhile.

YOUR QUESTIONS

Why doesn't Centrelink reduce paperwork?

Too much mess can lower your productivity - but so can not enough clutter.

George Cochrane 6:20 PM   Money expert George Cochrane answers personal finance questions from readers.

MIND OVER MONEY

The trifecta of health, wealth and happiness

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Caitlin Fitzsimmons 3:08 PM   Can money make you happy? It's not about how much you have, but what you do with it.

BUDGET 2016

Budget 2016: 10 changes for families

The government's childcare package has been postponed until 2018.

Nicole Pedersen-McKinnon 12:15 AM   There wasn't much explicitly for working families, but there were a whole bunch of measures that will directly affect them.

RETIRE RIGHT

How to start planning for retirement

There are calculators to help you determine how much you need to save for retirement.

Nicole Pedersen-McKinnon   The upside of headlines screaming "too poor to retire" and persistent talk about more changes to superannuation is that they make you think about the future. And if your kids have left home, you are perfectly positioned to make it a bright one.

ASK NOEL

How can I use equity in my home?

Illustration: Michael Mucci

Noel Whittaker   Financial expert Noel Whittaker answers personal finance questions from readers.

Budget, election and possible rate cut mean months of uncertainty

Prime Minister Malcolm Turnbull and Treasurer Scott Morrison will have some surprises in Tuesday's budget.

John Collett   Tuesday's budget is unlikely to resolve uncertainty and lift consumer confidence.

YOUR QUESTIONS

Does real estate preserve capital?

What is the best way to preserve capital for self-funded retirement?

George Cochrane   Financial expert George Cochrane answers personal finance questions from readers.

MIND OVER MONEY

What Lego taught me about money

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Caitlin Fitzsimmons   I had a financial epiphany while building a Lego aeroplane with my kids.

How to make the perfect budget

Ernest Chunge with his wife Fiona Copeman and baby Charles.

Barbara Drury   Governments of all persuasions are fond of comparing the federal budget with the humble household budget and exhorting us to live within our means.

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RELATIONSHIPS

He says buy, she says sell

Joanna Jablonka, 25, and partner Olivier Lokolomba, 30, are trying to save for a property portfolio and a business.

Kate Jones   Sharing the savings isn't a marriage vow, but many couples know it's on the cards.

How to pay for a tertiary education

A university education can be expensive, but you can plan for it.

Olivia Maragna   Finishing a degree can cost tens of thousands of dollars and leave you with a student loan that you'll spend a lifetime repaying

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SUPER & FUNDS

Early retirement? You're dreamin'

Many Australians would love to finish work in their 50s, but reality is that they will have to keep going well into ...

John Collett   More Australians want to retire early than just about any other nationality, but we are also less likely to afford it.

YOUR QUESTIONS

How do I recover a family loan in a divorce

Family loans can become problematic in the case of divorce.

George Cochrane   A reader asks how she can recover a housing loan to her daughter, now that divorce is on the cards and her soon to be former son-in-law is claiming it is a gift.

ELDER ABUSE

Ripping off Granny and Grandpa

Difficulty paying bills and social withdrawal can be signs that an older person is being abused financially.

Christine Long   "Inheritance impatience" is one of the drivers of elder financial abuse. At its ugliest it can see people cross the line into criminal behaviour.

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MONEY BRAIN

Sharks, crocs, mozzies and money

There are 1000 deaths a year from crocodiles.

Catherine Robson   Humans are poor at assessing danger and it's the same with our investments.

ASSET CHECK

Capital gain changes are more taxing than negative gearing

Good after-tax returns are far more important than lower tax bills.

Daryl Dixon   The ongoing tax reform debate has created new difficulties for making medium and long term investment decisions.

MONEY BRAIN

Valentine's Day advice for newly engaged

Many couples will get engaged this Valentines Day.

Catherine Robson   It's Valentines Day on Sunday and if it's like any other year, hundreds of couples will get engaged.

YOUR QUESTIONS

What to do with an inheritance

Maintain your home in case you need to sell it to fund aged care.

George Cochrane   George Cochrane answers readers' questions.

BOURIS ON MONEY

A financial roadmap to love's journey

It's important for couples to work towards shared goals.

Mark Bouris   It's Valentine's Day, so let's talk about love and money.

STARTING OVER

Lessons from bankruptcy

Julie Ann Cairns went to the brink of bankruptcy.

Christine Long   Thousands of Australians go bankrupt every year, and it's a life-changing experience for many.

TIP OF THE WEEK

Get rich by talking about yourself in the third person

big short michael burry

Talking to yourself in the third person can help you make better financial decisions.

ASK NOEL

The rundown on annuities

Illustration: Michael Mucci

Noel Whittaker   Noel Whittaker answers a reader's question about how annuities work.

ASK NOEL

Defensive strategy for investors

Illustration: Michael Mucci

Noel Whittaker   Noel Whittaker answers a reader's question about whether to opt for a lower-risk option for superannuation to ride out the volatile times.

AGED CARE

Residential aged care for pensioners

The government funds aged care for elderly people with low means.

Bina Brown   The government will subsidise aged care for elderly people with low means.

BOURIS ON MONEY

Investing in volatile times

To deal with market volatility, you must understand what's within your control and what's not.

Mark Bouris   Here we go again. Another year, another series of stories about world markets, Chinese economic growth and the ASX.

EDUCATION

Back to school, but at a price

Marcelle Gomez and her husband Christian are saving so they have options when 15-month-old Cruz hits high school.

John Collett   Education costs are rising faster than inflation, so if you want choices about schools for your children, you need to plan ahead.

YOUR QUESTIONS

How to optimise super in your 60s

Couples need to do their retirement planning together.

George Cochrane   Buying property for a SMSF is questionable when people are close to retirement age.

FINANCIAL ADVICE

Financial advisers say new standards could push thousands out

Financial planners must have a degree or equivalent  by 2019 under draft federal  legislation.

Clancy Yeates   Thousands of financial advisers might quit the industry if the government pushes ahead with plans to make advisers hold degree-equivalent qualifications in three years, an industry group says.

WELL HEELED

What are you prepared to suffer for?

If you're not prepared to suffer for a goal, it's not worth it to you.

Melissa Browne   Are we destined not to change or can we salvage our goals made for 2016? The short answer is yes and no.