![Spaceship founders Paul Bennetts, Andrew Sellen, Dave Kuhn and Kaushik Sen have raised $1.6 million from tech heavyweights.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/e/x/t/7/image.related.wideLandscape.940x529.grfay9.12uqus.png/1473834605976.jpg)
Money features
![Chris Brycki, founder of automated investment advisor Stockspot, says the technology sector is too frothy.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/g/j/c/n/image.related.landscape.120x80.grgdsi.png/1473862617086.jpg)
Big tech is the worst place for young Aussies to invest right now
The launch of a new super product with a technology focus targeted at millennials has attracted attention, but caution is warranted.
![<P>](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/d/y/n/l/image.related.landscape.120x80.grdynm.png/1473779647749.jpg)
Reduce the hassle of reapplying for the pension
Financial expert Noel Whittaker answers readers' questions.
![Online marketplaces are paying higher interest for cash but come with risks](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/j/v/f/w/z/image.related.landscape.120x80.grci9l.png/1473635931660.jpg)
P2P lenders not like having money with a bank
Online marketplaces can offer higher interest rates than banks, but customers need to realise that's not the only difference, writes John Collett.
![American Express was independently rated by Choice and Mozo to have some of the best rewards programs.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/b/f/v/a/image.related.landscape.120x80.grbfjb.png/1473652823882.jpg)
Be a power user of credit card rewards programs
Anthony Bianco maximises the rewards points for his credit card but diligently pays off the balance every month.
![Petar Sabados owns a slice of two investment properties, which he tracks on his phone.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/c/k/l/u/image.related.landscape.120x80.gre0eg.png/1473721434049.jpg)
Fractional ownership of residential property a first
Petar Sabados wants to buy an investment property; but he needs to save the deposit.
![Marie Najjar with painters, (R) Raymond Maikhael and his son Steven from Maikhael Painting.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/b/e/s/n/image.related.landscape.120x80.grbef0.png/1473548696951.jpg)
Renovation boom means a shortage of good tradies
The renovation boom in Sydney and Melbourne means a shortage of tradespeople. Money shows you how to find a good one.
![The Share Race was won on the back on a single share pick.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/q/o/h/2/3/image.related.landscape.120x80.grcd6y.png/1473387564479.jpg)
Dramatic finish to Shares Race
The Australian Financial Review's Phil Baker, after seemingly having the Shares Race wrapped up, has been overtaken in a dramatic finale to the contest.
![The family home is protected in public policy settings.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/d/5/w/v/image.related.landscape.120x80.grd5pz.png/1473771613269.jpg)
The truth about home ownership and the age pension
The idea that your home does not count when you are assessed for the pension is political fiction.
![If the bills are in your name, you're liable.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/k/f/x/y/a/image.related.landscape.120x80.grcado.png/1473633739349.jpg)
Nicole helps: fix a broken credit score
Nicole Pedersen-McKinnon commences a new weekly consumer finance help column, focused on helping readers with their money woes.
![Is it braver to be a contestant in Ten's Survivor, or to buy Ten Network shares?](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/q/l/z/9/z/image.related.landscape.120x80.gra48o.png/1473227195651.jpg)
Is it fair for my shares to be consolidated?
Financial expert George Cochrane answers readers' questions.
![There are still reasons to consider transition to retirement.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/m/p/m/h/5/image.related.landscape.120x80.grcag4.png/1473340626047.jpg)
Transition to retirement pensions retain appeal
The government plans to remove the tax-free status of all income received by transition to retirement funds from next July, but they still have some benefits.
![If you're fiscally constrained or simply not hung up on having the trendiest gadget, there are decent smartphone options ...](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/c/k/h/s/image.related.landscape.120x80.grck51.png/1473386853241.jpg)
How to score a free smartphone
If you're nonplussed by the latest smartphone with a selfie mode that autocorrects blemishes, there is a decent range of phones on offer that are basically free.
![In circulation.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/j/9/g/x/q/image.related.landscape.120x80.grcjln.png/1473497036088.jpg)
Why going cashless is the next next moral challenge
Reckon we're cashless? Think again.
![The LNG industry is a major driver of growth, but not of jobs.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/o/3/9/c/p/image.related.landscape.120x80.grcuoe.png/1473730604343.jpg)
The answer to Australia's economic growth puzzle
It's the biggest economic riddle of the moment, but there's a simple(ish) answer.
![The banks have a problem with sales culture.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/q/i/i/f/s/image.related.landscape.120x80.grca1t.png/1473635880643.jpg)
The cultural problem at the banks
The banks are back in the firing line again, and this time there are even calls for a Royal Commission.
![Lower earners need all the help they can get to build their super. Illustration: Karl Hilzinger](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/p/5/2/t/9/image.related.landscape.120x80.gr7dw6.png/1473153871747.jpg)
Top-up super to low paid held hostage by reform package
The longer the politics over the reforms to the superannuation tax breaks continues, the worse it will be for the growing proportion of the workforce working part-time and casually.
![Knowledge asymmetry can cause problems when dealing with tradies.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/6/x/4/9/image.related.landscape.120x80.gr6x4n.png/1472776418229.jpg)
Plumbing, planning and the curse of knowledge
It's probably OK to go through life without knowing much about washer sizes, but financial management is a skill that all adults need.
![Illustration: Simon Letch](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/4/d/r/x/image.related.landscape.120x80.gr5al3.png/1473151472991.jpg)
Depreciating assets can help pensioners
Financial expert Noel Whittaker answers readers' questions.
![Corporate Travel Management chief executive Jamie Pherous started the company more than 20 years ago.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/7/a/j/j/image.related.landscape.120x80.gr7ao1.png/1472785796084.jpg)
The best CEOs you may not know
True success or failure should really be measured only after a chief executive has been in the chair for five years or more - preferably 10.
![Guard rails let us relax and enjoy the view rather than having to focus on risk.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/6/w/t/c/image.related.landscape.120x80.gr6wsk.png/1472792061623.jpg)
Why we need guard rails for our financial life
How do you place a financial guard rail? You become accountable, you put in place rules and boundaries.
![Chez Tonelli works for a financial company in Parramatta and commutes from the Central Coast.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/r/6/w/c/i/image.related.landscape.120x80.gr6wac.png/1473219227192.jpg)
Money-saving secrets of the commuters who drive 1000 kilometres a week
A fitness tracker for your car is one way to keep costs down, writes Adam Courtenay.
![The high-rise construction boom may have further to run, recent figures suggest.](/web/20160914153521im_/http://www.smh.com.au/content/dam/images/g/q/r/t/x/y/image.related.landscape.120x80.gr6ll3.png/1473126093594.jpg)
Expect more cranes: apartment glut to dampen market
If you think there are a lot of cranes on the city skyline these days, expect to see even more of them.