![Father and daughter, Bella and Jim Buda, with Bella's daughter, Ruby.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/6/5/o/k/image.related.wideLandscape.940x529.gr64dt.12uqus.png/1472921332661.jpg)
Money features
![Much of the opposition to Malcolm Turnbull proposed super changes has come from Coalition backbenchers.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/8/7/b/7/image.related.landscape.120x80.gr8bmi.png/1472974633026.jpg)
Super will be Turnbull's key test: Grattan Institute
The Grattan Institute has identified superannuation as the most important test of Malcolm Turnbull's leadership.
![You don't have to decide immediately which family home to claim the CGT exemption for.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/q/w/f/0/v/image.related.landscape.120x80.gr6714.png/1472695529924.jpg)
Your guide to capital gains tax on the family home
Capital gains tax on the family home is not to difficult to understand if you take it step by step.
![The Gold Coast – a sunny place for property people.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/5/h/q/o/image.related.landscape.120x80.gr5h3l.png/1472618724512.jpg)
'Put a pen through the clauses you don't like'
Financial expert George Cochrane answers readers' questions.
![Most Australians don't have income-protection insurance and those that do are under-insured.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/q/x/3/1/8/image.related.landscape.120x80.gqyeo3.png/1472013147810.jpg)
Malaysia and Mexico are beating Australia in income-protection take-up
Take-up of car insurance sits at about 83 per cent in Australia, but only 27 per cent of people have protected their most important asset.
![The shares race is likely to close with a clear winner, thanks to Ausdrill and Cleanaway.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/h/7/g/0/7/image.related.landscape.120x80.gr76ti.png/1472783648294.jpg)
AFR's Baker opens up commanding lead
It is week three of the shares race and the AFR's Phil Baker has hit a purple patch.
![Treasurer Scott Morrison.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/4/c/e/1/image.related.landscape.120x80.gr7h1j.png/1472808780449.jpg)
Tax cuts to flow after backdown
Asked why it had backed down, the ATO said though a spokeswoman it had made a political judgement.
![Superannuation is tied up and untouchable, but there is still uncertainty around its tax treatment.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/p/y/s/g/q/image.related.landscape.120x80.gr662m.png/1472695594661.jpg)
Defined benefit fund members still in the dark over changes
It's still uncertain how the proposed $1.6 million cap on pension fund accounts will be applied to defined benefit pensions.
![Bruce Maguire, policy adviser at Vision Australia, demonstrates a device he uses for measuring bank notes.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/2/r/7/n/image.related.landscape.120x80.gr2r7r.png/1472629991728.jpg)
New tactile bank notes let blind people get a feel for money
The best feature on the new $5 note out this week is barely bigger than a chocolate sprinkle and it's designed to be felt rather than seen.
![Investors should be more slothlike – or at least more patient – when waiting for returns.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/1/k/n/t/image.related.landscape.120x80.gr1km8.png/1472168482219.jpg)
Don't just do something, sit there
Evolution teaches us that action beats inaction – and it's usually true, but not when it comes to investment.
![Illustration: Simon Letch](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/1/3/h/a/image.related.landscape.120x80.gqyg2x.png/1472548599655.jpg)
Why getting below the $1.6m super threshold by June 30 is a timing issue
Financial expert Noel Whittaker answers readers' questions.
![The new CEO of Woolworths, Brad Banducci, on the day the company announced its 2015-2016 results.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/0/s/w/2/image.related.landscape.120x80.gr2r5c.png/1472522804743.jpg)
Market expectations are a short-term drag for companies
Results matter less - in the short term - than you might think.
![Higher returns can be found, if you're prepared to take on additional risk. Illustration: Karl Hilzinger](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/p/n/g/c/l/image.related.landscape.120x80.gr0rb2.png/1472593209415.jpg)
Seven investment ideas for high returns in a low-growth world
Seven investment ideas that will lift you out of the low-growth world.
![<P>](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/4/i/v/9/image.related.landscape.120x80.gr4ic5.png/1472682907870.jpg)
How to choose your first credit card
Choosing your first credit card is equal parts daunting and exciting.
![Federal Treasurer Scott Morrison issued a dire warning on federal finances last week.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/1/7/o/o/image.related.landscape.120x80.gr3gov.png/1472730634815.jpg)
Does high government debt really cause recessions?
Recent economic research has debunked the link between government debt and lower growth.
![Wealthy retirees will take a modest hit under new super rules](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/o/j/z/3/r/image.related.landscape.120x80.gr1td8.png/1472520408662.jpg)
Reforms to super tax breaks are fair
The Turnbull government's plans to rein in the super tax breaks going to the well-off are modest and fair.
![Cover with vignette flown by Ross and Keith Smith, 1919.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/q/y/v/h/k/image.related.landscape.120x80.gqz81k.png/1472520624196.jpg)
How postage stamps tell the history of aviation
A branch of stamp collecting known as "aerophilately" focuses on air mail letters, often the only surviving records of aviation milestones.
![Many of these classic personal finance books will be available in the library.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/3/e/k/7/image.related.landscape.120x80.gr2u4a.png/1472535624773.jpg)
5 self-help books to help you master money
Reading personal finance books helped Australian writer Emma Vuletic through a painful divorce in New York City.
![Gen Xers are the biggest cat lovers.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/0/x/a/x/image.related.landscape.120x80.gqz1og.png/1472343039693.jpg)
Dogs v cats? We'll pay vets almost double to treat one
The average dog owner is prepared to spend up to $4128 in one hit at the vet.
![Labor has performed a back flip on the super policies it took to the election.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/1/1/s/y/image.related.landscape.120x80.gr11u5.png/1472106430625.jpg)
Labor flip-flops on super
Just when we thought we had a set of proposed changes to the superannuation system that everybody could agree on, and which were seen to be fair, Labor is trying to move the goalposts again.
!["It takes a whole village to have me work," says Sydney's Betina Naiman with husband Clarence and two daughters Libby, ...](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/q/y/0/k/v/image.related.landscape.120x80.gqwwfo.png/1472343785900.jpg)
Coalition's childcare reforms duds city families in fine print
This is the formula to figure out if you'll be worse off under the Coalition's childcare changes.
![The government has released sufficient information to allow you to plan ahead for retirement.](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/0/t/s/7/image.related.landscape.120x80.gr0std.png/1472094090058.jpg)
How to plan ahead for the superannuation changes
Even though the government is still to finalise the precise details of the budget super changes, retirees have sufficient information to plan ahead.
![Australian Czarlette Menzagopian was on her honeymoon in Miami last year when the credit card she shares with her ...](/web/20160904222708im_/http://www.smh.com.au/content/dam/images/g/r/1/3/7/3/image.related.landscape.120x80.gqyre6.png/1472427748745.jpg)
US the hot spot for overseas credit-card fraud
Tips for keeping your payments secure.