![Credit cards have higher annual fees than in the past.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/r/b/f/v/a/image.related.wideLandscape.940x529.guio23.12uqus.png/1488262680872.jpg)
Money features
![If you're trying to be "smarter than average", like Yogi Bear, it won't be a smooth ride.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/u/m/7/0/o/image.related.landscape.120x80.gum6ya.png/1488167586412.jpg)
Motley Fool: The joy of being average
The average has a lot to offer – and to teach us – especially if we're investors.
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Ethical investment up-ended by Hunter Hall turmoil
Investors with more than $1 billion between them with deep-green investment manager Hunter Hall, must be wondering what to do after the shock resignation of founder Peter Hall.
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If you paid 17pc interest in the 1980s, you're lucky
Every generation has a sob story. These are the facts about housing affordability.
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Tipsters struggle early into the one-year Shares Race
Welcome to the year-long Shares Race, where 12 tipsters have selected 10 stocks each and their progress will be updated each month.
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How governments are misleading new health care card owners
Financial expert George Cochrane answers readers' questions.
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Do we pay more for hope than health?
Good health is priceless in theory but in reality it comes with a significant price tag.
![<p>](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/k/f/q/l/n/image.related.landscape.120x80.guinmw.png/1487922584081.jpg)
Nicole helps... a couple with their offset account
Should you pay your home loan principal plus interest, or go interest-only and use the offset account?
![The penalty rates cuts disproportionately target women in work.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/p/1/r/s/q/image.related.landscape.120x80.guk5hm.png/1487912103083.jpg)
How the penalty rates decision hurts women
The decision to lower Sunday and public holiday penalty rates in hospitality and retail will make the gender pay gap worse.
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Pre-empt the legal limits to powers of attorney
Enduring powers of attorney are common but widely misunderstood.
![Financial and legal advice is a good idea if you're separating, especially if there are children involved.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/u/b/0/w/t/image.related.landscape.120x80.guk511.png/1487884627461.jpg)
How to rebuild financially after divorce
Men and women take about five years to stabilise their finances after a divorce.
![We all need a house, but buying one is not so cheap.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/q/i/g/g/g/image.related.landscape.120x80.guigi4.png/1487744288634.jpg)
The case for letting first home buyers use super
What Australians can learn from the Kiwis about helping first home buyers into the housing market.
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The problem with broker research
I get regular emails pointing out how bad broker recommendations have been in hindsight.
![<P>](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/u/g/e/3/l/image.related.landscape.120x80.guge31.png/1487536625989.jpg)
Will we lose our health care card?
Financial expert Noel Whittaker answers readers' questions.
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DIY funds with less than $2 million not viable, say industry funds
An economist in the superannuation industry says DIY super funds with less than $2 million "are not viable retirement savings vehicles".
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Why Generation Rent also needs to be heard in housing affordability debate
For too long, renters have been left out of the national conversation about housing affordability. It's time to speak up.
![Nicole Pedersen-McKinnon, at Parliament House, is helping lead the charge to make Australians ''money smart''.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/u/h/b/5/c/image.related.landscape.120x80.guhb4r.png/1487648870377.jpg)
The one thing pollies agree on is money – that is, ours
When Canberra concurs, perhaps we should start paying attention. The fabulous and free tools to help you get money smart.
![An offset account gives you more flexibility than a no frills home loan.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/m/y/i/c/1/image.related.landscape.120x80.guggp3.png/1487553433894.jpg)
Why a cheap home loan might not be good value
The debate about housing affordability, and speculation about the direction of interest rates, have brought housing loans back into the spotlight.
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The science of money
The Centrelink debt demands are just the tip of the iceberg when it comes to how data is used in your financial life.
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Nicole helps… keep an apartment buyer safe
Financial expert Nicole Pedersen-McKinnon discusses strategy for a couple who want to buy their first home in Melbourne.
![Scott Tangey and his mother Kim. Tangey is using a consultant to explore work options.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/u/d/a/3/1/image.related.landscape.120x80.gue1f4.png/1487319246006.jpg)
Staying at home for longer leaves parents counting the costs
More young adults are living at home for longer, not able or willing to leave the nest.
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Does employee ownership make companies more successful?
Does it make sense to invest in companies with a high level of employee ownership?
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Sarah Silverman's take on fart jokes applies to money
The comedian can teach us something in terms of restraint.
![Focus on maximising your after-tax income rather than tax minimisation.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/g/w/1/r/g/image.related.landscape.120x80.gufabs.png/1487300621889.jpg)
The beauty of fully franked dividends
Far too many Australians let the tax "tail" wag the investing dog.
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Gold medal goes to the yellow metal's biggest backer
Chartist Richard Pritchard takes line honours at the close the four-week Shares Race as his decision to back gold pays off.
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How to help adult children buy a home
There are several avenues, but which is best?
![Centrelink is updating its "antiquated" telephone systems.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/t/h/1/q/w/image.related.landscape.120x80.guckjw.png/1487118850340.jpg)
The wait continues at Centrelink and tips to navigate it
Centrelink's phone lines are about to get better… no really, they're meant to, but you just have to wait a little longer for it to happen.
![GPs will have to use their "godly discretions" to determine when to bulk bill.](/web/20170228064819im_/http://www.smh.com.au/content/dam/images/g/u/3/f/g/9/image.related.landscape.120x80.gudenm.png/1487128824669.jpg)
Are healthcare-card concessions clear cut?
Financial expert George Cochrane answers readers' questions.