![Evelyn Cronk is facing a big aged care bill for her husband Graham Jones.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/7/3/e/o/image.related.wideLandscape.940x529.gv73ak.12uqus.png/1490920672175.jpg)
Money features
![A reader wants to know if their mother can send cash gifts from India.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/t/z/7/a/7/image.related.landscape.120x80.gv9lho.png/1490832591141.jpg)
Receiving gifts and bequests from abroad
Financial expert George Cochrane answers readers' questions.
![Now Sabatier runs multiple businesses. But his savings give him the leeway to be selective about the projects he takes on.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/9/w/8/b/image.related.landscape.120x80.gv9iu6.png/1490844513171.jpg)
Six money tips from someone who saved $1m by age 30
After college, Grant Sabatier was unemployed, broke and living with his parents. Here's how he reached his goal of saving $US1 million ($1.3 million) by age 30.
![Girl Guides learning financial literacy through the Guide Your Money program.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/8/2/7/p/image.related.landscape.120x80.gv7wif.png/1490901809038.jpg)
How the Girl Guides are tackling financial inequality
The Girl Guides are launching a new set of financial literacy programs for girls and young women.
![Banks have a new type of default super option, but it may not be any good.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/1/1/f/z/r/r/image.related.landscape.120x80.gv8wwc.png/1490840523960.jpg)
Banks' weapon against industry funds may be dud
The Turnbull government wants to remove the monopoly that industry funds have as the default fund provider in industrial awards.
![Financial services minister Kelly O'Dwyer has welcomed the draft report from the Productivity Commission on default super.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/t/a/g/3/h/image.related.landscape.120x80.gv8tu7.png/1490801470303.jpg)
A fierce fight is brewing over your super
Consumer groups and independent policy analysts have broadly backed the Productivity Commission proposals to change the default superannuation system.
![Looking for patterns in stock price charts is the investment version of astrology.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/1/v/i/e/image.related.landscape.120x80.gv7a1v.png/1490585517587.jpg)
The only way to read a stock price chart
Scores of investors analyse charts, hoping to find a pattern telling them when to buy or sell a stock.
![<p>](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/7/5/9/b/image.related.landscape.120x80.gv756l.png/1490705752054.jpg)
Families squeezed by aged care changes
Financial expert Noel Whittaker answers readers' questions.
![You don't want to be under-insured when travelling as you can get caught with new expenses when things go wrong.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/7/4/0/g/image.related.landscape.120x80.gv73y0.png/1490681682379.jpg)
How to lose thousands by trying to save tens
Don't trust third-rate foreign online travel agencies masquerading as Australian operations.
![Retiree renters are unlikely to be able to afford a comfortable retirement.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/s/s/w/z/q/image.related.landscape.120x80.gv5r5u.png/1490662004926.jpg)
Renters need $1 million for comfortable retirement
Housing affordability has wider implications than just for those trying to get a foot on the property ladder.
![You have three months to maximise your tax position for this financial year.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/p/h/l/f/b/image.related.landscape.120x80.gv79ol.png/1490751008739.jpg)
Tax hacks for the last quarter of the financial year
If you're smart, you'll use this quarter to ensure you're making the most of your tax situation.
![Optimism about US president Donald Trump's economic policies has been driving Wall Street.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/s/f/t/y/n/image.related.landscape.120x80.gv5he2.png/1490318087430.jpg)
Should pension fund investors take profits now?
Is this as good as it gets for investors?
![Superannuation is designed to provide an income stream in retirement, not an equity fund.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/u/x/d/2/w/image.related.landscape.120x80.gv3vim.png/1490782795742.jpg)
Don't bet the house on solving the affordability crisis
We're seeing a lot of calls for solutions to the housing affordability crisis. But are the solutions as useful as they claim?
![Could inheritance tax – and a gift tax – go back on the national agenda?](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/q/9/k/9/x/image.related.landscape.120x80.gv4fxd.png/1490443353356.jpg)
Thorny questions as federal budget looms
It's just six weeks to budget night and, as usual, a lot of ideas are being floated.
![Ash Shilkin, managing director of ChimpChange.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/u/7/6/p/s/image.related.landscape.120x80.gv5ewi.png/1490314667939.jpg)
Professional investors come up trumps in Shares Race finale
The pros finish first and second in the final week of Shares Race.
![Don't over-invest in annuities while interest rates are low.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/1/m/q/3/d/f/image.related.landscape.120x80.gv4zhz.png/1490430599005.jpg)
How to choose an annuity
Financial expert George Cochrane answers readers' questions.
![Loyalty schemes work ... for businesses, but not so much for customers.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/6/6/7/d/image.related.landscape.120x80.gv660s.png/1490683102687.jpg)
The true cost of loyalty programs
Customer loyalty schemes are a great idea ... if you're a retailer.
![Nic Tait at his renovated cottage in Brunswick, Melbourne.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/4/i/e/u/image.related.landscape.120x80.gv4l55.png/1490236438878.jpg)
Home renovations that give you the most bang for your buck
There are two types of renovators: those creating a dream home for themselves, and those doing up a property to maximise its value.
![Facebook chief operating officer Sheryl Sandberg's sophomore book has the makings of a mega hit.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/t/8/6/x/e/image.related.landscape.120x80.gv3vs7.png/1490312993021.jpg)
Why women and men need to negotiate pay rises differently
The trick to closing the gender pay gap is not for women to simply ask for more.
![Some health insurers allow kids' swimming lessons on extras coverage.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/s/z/3/s/a/image.related.landscape.120x80.gv4n32.png/1490686892858.jpg)
Nicole helps… beat the April health insurance price rise
The strategies that beat the coming health insurance hikes.
![Prime Minister Malcolm Turnbull has the chance to do something transformative and lasting in May's budget.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/2/2/6/5/image.related.landscape.120x80.gv3kgs.png/1490501340873.jpg)
How Turnbull can kill stamp duty and produce a budget to remember
There's still time to craft a budget that actually does something.
![Markets can over-react to an event in both directions.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/t/8/v/f/7/image.related.landscape.120x80.gv4acf.png/1490217248072.jpg)
ASX rout was fall we had to have
The largest fall of 2017 isn't a surprise – or necessarily even a harbinger.
![Apple's quiet update of the iPhone SE has only bumped up the storage.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/n/o/g/z/f/image.related.landscape.120x80.gv4aac.png/1490218134797.jpg)
Resale value to crash for iPhone SE
Even the value of the iPhone SE won't hold as long as other Apple phones.
![Bad apple planners can too easily move between employers.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/1/m/c/t/k/o/image.related.landscape.120x80.gv0j0g.png/1490076327917.jpg)
Call to remove 'bad apple' planners
Ten years on from when the regulator first called for the removal of bad apples from the financial planning industry, there has been not enough progress.
![Home loans are bigger than in September 2013 and so is the differential between the best and worst mortgage rates.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/1/0/i/a/image.related.landscape.120x80.gv2rhs.png/1490143190056.jpg)
Big banks hit home owners with $116k extra interest
The rate differential between the best and worst home loan has widened since September 2013, while the average mortgage is bigger.
![Before the Brexit vote, investors assumed Britain would not vote to leave the EU.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/u/t/x/0/v/image.related.landscape.120x80.gv1wok.png/1490074579348.jpg)
Why our assumptions, and current share prices, might be wrong
Assumptions are the root of all major losses. What assumptions are we making today?
![Police escorting non-union labour to Patrick Stevedores through the MUA picket lines in 1998. Today, strike action is low.](/web/20170331023502im_/http://www.smh.com.au/content/dam/images/g/v/2/u/h/j/image.related.landscape.120x80.gv2scn.png/1490073102848.jpg)
Why industrial relations is Australia's everlasting battle
It's the economic debate that just won't die, even when it's dead, buried and cremated.