![Tiarna Ernst leads the pack at Bulldogs training.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/t/y/g/9/z/image.related.wideLandscape.940x529.gu8xai.12uqus.png/1486607663890.jpg)
Money features
![<P>](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/1/0/i/z/3/s/image.related.landscape.120x80.gu9gez.png/1486676823691.jpg)
Nicole helps… identify a good financial adviser
Nicole Pedersen-McKinnon answers the single most popular financial question
![Come Valentine's Day, florists spruik long-stem roses grown in the Andes in South America.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/a/e/z/6/image.related.landscape.120x80.guad0h.png/1486786005244.jpg)
Valentine's Day? Bah, humbug!
Let's be honest, there'll be a lot of obligation spending for couples this week. Roughly $100 per person.
![Marcs and David Lawrence collapsed recently.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/3/k/d/3/image.related.landscape.120x80.gua7y2.png/1486704488968.jpg)
What the averages don't tell you about investing in retail
You might have heard the Australian economy is enjoying an unprecedented run of economic good fortune.
![It's time to think about reallocating assets within the family.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/q/1/t/b/4/image.related.landscape.120x80.gu9xtr.png/1486688232622.jpg)
Time to reallocate assets within the family
With the opportunities for investing or reinvesting money into super soon to be severely limited, now's the time to plan ahead for alternative tax-effective strategies.
![Superannuation is a safe place to keep your cash if you have a partner who gambles.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/s/h/w/z/q/image.related.landscape.120x80.gu9fzp.png/1486676368979.jpg)
How to plan for the future if your partner gambles
Financial expert George Cochrane answers readers' questions.
![Marrickville flatmates Arlo Alexander-Meylan, Harry Gregg, Nikita Podlasov, Tom Grimes and Isaac Ewald filled their ...](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/a/k/d/t/image.related.landscape.120x80.gu8z6g.png/1486721623888.jpg)
Smart money moves to avoid share-house hell
Top priority – make sure you know your legal responsibilities when moving into a share house.
![Heed the warning signs to stay out of strife.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/t/n/i/r/4/image.related.landscape.120x80.gu3ppr.png/1485996190575.jpg)
Warning signs you're in financial strife
If the festive season has left you feeling financially worse for wear, you're not alone.
![No guarantees on tax time: Australian Taxation Office chief information officer Ramez Katf.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/6/o/f/p/image.related.landscape.120x80.gu7a98.png/1486607916539.jpg)
Tax time in danger from ATO's tech wreck
IT projects thrown overboard as ATO orders all hands to keep tax time afloat.
![Investors can't ignore US President Donald Trump.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/6/7/z/4/image.related.landscape.120x80.gu69sh.png/1486516558010.jpg)
Motley Fool: How to invest in a Trumpian world
The rules have changed … or have they?
![The Tax Office is rapacious when it comes to money gifted to minors.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/3/g/7/2/image.related.landscape.120x80.gu443a.png/1486472481755.jpg)
A gift to your grandchildren can be a boon for the Tax Office
Financial expert Noel Whittaker answers readers' questions.
![Not-for-profits and DIY super funds are neck and neck over 10 years.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/t/x/w/w/h/image.related.landscape.120x80.gu4t90.png/1486345706736.jpg)
DIY funds versus the pros – the answer is in
Does it matter who manages your super fund?
![Experts warn areas such as Melbourne's Docklands are "fraught with danger" for investors.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/7/2/r/e/image.related.landscape.120x80.gu6av1.png/1486511577043.jpg)
Property price boom masks risks for investors as yields plummet
Property investors speculating on capital gains need to be careful as rental yields in Sydney and Melbourne hit record lows.
![Centrelink's robo debt recovery scheme has been controversial because of high error rates.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/t/y/v/d/0/image.related.landscape.120x80.gu6x77.png/1486624240219.jpg)
Centrelink overload sees families unable to access payments
Parents are being prevented from accessing the government's childcare rebate and other family payments because Centrelink staff are blocking phone lines and fudging caller wait times when reporting back to their bosses.
![Apple sells two models of the iPhone 6s so think about which is the best investment for you.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/q/w/a/9/4/image.related.landscape.120x80.gu68kp.png/1486508713001.jpg)
How phone companies trick you into spending more
In the market for a new phone? You'll need your wits about you.
![How much is your home worth? The answer is more complex than you may think.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/5/m/2/5/image.related.landscape.120x80.gu6m6i.png/1486419414292.jpg)
Home truths about how we actually measure home prices
Approach all home price indicators with caution.
![Orphaned children may have a loving extended family but if their parents don't nominate a testamentary guardian, it ...](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/5/b/y/p/image.related.landscape.120x80.gu5boz.png/1486169095559.jpg)
Why everyone needs a will, especially parents
One of the biggest reasons parents need a will has nothing to do with who gets their money if they die.
![Only five months to go before super contributions caps are lowered](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/h/o/b/j/1/image.related.landscape.120x80.gu3nqj.png/1486083732244.jpg)
Clock ticks on $1 million super deadline
It's the $1 million opportunity – the last hurrah to get a lot of money inside super and take advantage of super's concessional tax rates before July 1 this year.
![Gold prices are on the rise.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/j/v/f/v/x/image.related.landscape.120x80.gu4l3t.png/1486079080582.jpg)
Gold continues to shine for tipsters on back of Trump concerns
The top three places remain unchanged at the end of week two of the four-week Shares Race, as the themes of the first week continued into the second.
![Enrolling in a cooking class on Thai cuisine highlights a personal enjoyment in Thai food and the desire the learn how ...](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/4/n/r/h/image.related.landscape.120x80.gu4ngt.png/1486081826377.jpg)
Focus on experiences, not stuff
When it comes to spending money, we want the biggest bang for our buck.
![If you won Lotto, you wouldn't need to worry about Centrelink and its rules.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/t/m/s/z/b/image.related.landscape.120x80.gu3thd.png/1486478144208.jpg)
How Centrelink treats Lotto winnings
Financial expert George Cochrane answers readers' questions.
![Under the current super system, employees can only make concessional contributions if their employer offers salary sacrifice.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/i/j/c/t/l/image.related.landscape.120x80.gu3nxj.png/1486105498783.jpg)
One way super is changing for the better for employees
There are new opportunities opening up for employees after June 30.
![Are you covered?](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/t/l/d/t/r/image.related.landscape.120x80.gu413q.png/1486452165626.jpg)
Is insurance in super pointless with a pre-existing condition?
Nicole helps... a man with health problems figure out his insurance.
![Aconex CEO Leigh Jasper. Aconex shares lost 45 per cent of their value in a single day last week.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/m/5/v/f/1/image.related.landscape.120x80.gu42oj.png/1486074796069.jpg)
Growth stock investors jumpy as profit season under way
How to tell if a stock is going to disappoint.
![Ensuring you are paid compulsory super can take a back seat to take-home pay and other entitlements.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/t/d/y/r/d/image.related.landscape.120x80.gu3qh1.png/1485996765128.jpg)
The problems with compulsory super
The system for ensuring that workers are paid their compulsory super is inadequate.
![How life-stage options will perform is largely unknown.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/s/q/h/w/t/image.related.landscape.120x80.gtzzv7.png/1485740391297.jpg)
Fund members likely flying blind with life-stage options
Would you invest in something for which there is no information on whether it is likely to be a good investment?
![Volatility on share markets can be a reminder to make sure you are in the right super fund investment option.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/m/x/u/h/x/image.related.landscape.120x80.gtye08.png/1485836402308.jpg)
Market volatility not as scary as it seems
With returns from super getting bumpier, it's important for members to make sure they are in the right investment option.
![The earlier you start saving, the more your nest egg will grow.](/web/20170211141654im_/http://www.smh.com.au/content/dam/images/g/u/2/8/o/h/image.related.landscape.120x80.gu1sh1.png/1485920903101.jpg)
Average man faces $236k super shortfall, woman $307k
Five easy ways both genders can sort their super and ensure it will go the distance.