![SYDNEY, AUSTRALIA - MAY 15: Portrait of Tom and Irene Han at their North West Sydney home. The retired couple intend to ...](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/5/l/b/1/image.related.wideLandscape.940x529.gw4d2h.12uqus.png/1495012727402.jpg)
Money features
![Reverse mortgages are not very popular in Australia, probably because the rates tend to be higher than standard loans.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/7/i/r/z/image.related.landscape.120x80.gw7ijj.png/1495070091288.jpg)
How would a reverse mortgage affect my age pension?
Financial expert George Cochrane answers your questions.
![Troy Carter was instrumental in the early days of Lady Gaga's success.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/u/6/l/4/u/image.related.landscape.120x80.gw7k39.png/1495072161868.jpg)
Troy Carter overcame financial PTSD to launch Lady Gaga
What could you achieve if your negative financial experiences from the past were not holding you back?
![Remember: An investment's tax benefits are the cream on the cake.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/4/p/8/9/image.related.landscape.120x80.gw7lft.png/1495073018516.jpg)
The one thing most investors get wrong
There is anecdotal evidence that regulatory measures and budget proposals are having an effect on the housing market, which is a sad reflection on the mentality of the average property investor.
![Safety has long been the selling point for the Volvo.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/4/w/v/b/image.related.landscape.120x80.gw4wjt.png/1494924588079.jpg)
'Trading shares is now a poor man's game'
The popularity of exchange-traded funds is overstated in Australia, but they play an important role.
![Writer Nina Hendy wishes she had discussed her father's estate planning while he was fit and healthy.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/5/1/k/i/image.related.landscape.120x80.gw51sq.png/1495006150911.jpg)
'My dad rewrote his will just before he died of cancer'
​My father updated his will, I have absolutely no idea what he was trying to document.
![UBank's goal is to deliver simpler, better, smarter banking to customers.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/v/t/r/c/r/image.related.landscape.120x80.gw4x0x.png/1494948299394.jpg)
NAB-owned UBank launches robot to sell home loans
In a first for an Australian bank, NAB-owned UBank has launched an artificial intelligence "chatbot" for home loans.
![Jeremy Becker, 23, did his research before buying his first car, a second-hand former fleet vehicle.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/2/c/i/i/image.related.landscape.120x80.gw2a6t.png/1494924560717.jpg)
No lemons: how to buy a second-hand car
Luck plays a role in buying a great second-hand car, but you also make your own luck with careful research and investigation.
![Let's celebrate actual mothers and grandmothers this Mother's Day.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/3/y/z/j/image.related.landscape.120x80.gw3yml.png/1494948394061.jpg)
You can't outsource motherhood, but you can share the load
Mother's Day is a time to reflect on the unpaid contribution of mothers and grandmothers to families and communities.
![If the bank levy drives up mortgage costs, home owners should consider refinancing.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/3/9/m/v/image.related.landscape.120x80.gw39k4.png/1494948345537.jpg)
Bank levy means home owners should shop around
The budget came and went – so what was in it for you?
![Gold producer Blackham Resources is the most strongly-performing stock in week one of the Shares Race .](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/m/f/b/s/6/image.related.landscape.120x80.gw3b7z.png/1494555685657.jpg)
Dartboard leads the pack out of the gate with gold producer pick
The Dartboard's on top in week one of the new four-week Shares Race with its "pick" of Blackham Resources the strongest performer so far.
![It's important to get financial advice before selling the family home to fund retirement.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/2/8/h/5/image.related.landscape.120x80.gw284m.png/1494948323955.jpg)
When seniors own $1m home, but have no money
Baby Boomers' parents are living much longer than expected, providing fertile ground for family conflict over how to care for them.
![Many people follow Marie Kondo's methods to achieve a decluttered home.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/2/9/f/y/image.related.landscape.120x80.gw28xk.png/1494464794044.jpg)
What minimalism can do for your mind and money
I am a hypocrite. It's become obvious in recent weeks as I consider two competing – and conflicting – sources of inspiration I seek out through social media.
![Younger Ausralians will be able to boost their savings for a home using the tax advantages of superannuation.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/2/f/c/n/image.related.landscape.120x80.gw2f52.png/1494472611040.jpg)
Super saver scheme to help young Aussies on middle incomes
The budget announced an initiative to allow first home buyers to build up accessible savings in their super: how popular will it be?
![The bank tax will affect the Big 4 banks, plus Macquarie Group.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/1/0/m/k/image.related.landscape.120x80.gw2t28.png/1495099830265.jpg)
The budget's lesson for bank shareholders
Seemingly from out of the blue, Treasurer Scott Morrison decided that the big banks should pay a little more in tax.
![Illustration John Shakespeare](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/1/o/k/6/image.related.landscape.120x80.gw1pnt.png/1494407312804.jpg)
Few clear-cut winners from 2017 budget
There are only a couple of clear-cut winners from the 2017 federal budget from the point of view of our personal finances; though we could all be better off if it gets the macro-economic settings right.
![Bianca Barnard, 17, is battling to find work in a tough job market.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/v/x/0/0/m/image.related.landscape.120x80.gvwzf3.png/1494454381455.jpg)
Will the federal budget help young job seekers?
Drug testing, benefit cuts and a drastic shortage of jobs don't add up.
![Treasurer Scott Morrison did not deliver personal tax cuts in his 2017 budget.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/1/s/r/q/image.related.landscape.120x80.gw1dop.png/1495001159786.jpg)
No end to bracket creep makes average earning Australians worse off
Middle-income Australians to bear brunt of budget's failure on income tax rates and thresholds.
![Can smart home technology help combat environmental issues and our ageing population? The experts say yes.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/1/k/6/w/image.related.landscape.120x80.gw1q58.png/1494465674255.jpg)
What first home buyers should know before investing in Scott Morrison's scheme
It's not free education and tax-free property windfalls, but new scheme is worth considering.
![First home buyers should benefit from some of the changes.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/v/z/s/0/s/image.related.landscape.120x80.gw1d79.png/1494475608157.jpg)
Where first home buyers stand now – all the help and hits
The government has made some concerted moves on tackling housing affordability.
![It's time for action.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/r/p/d/a/n/image.related.landscape.120x80.gw1axm.png/1494386447469.jpg)
If you want to avoid an unwelcome tax slug it's time to get moving
What you might want to consider doing before the end of the financial year to minimise losses and maximise opportunities.
![Treasurer Scott Morrison says the competition watchdog will keep a close eye on banks' prices.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/w/1/g/a/n/image.related.landscape.120x80.gw1abd.png/1494423703591.jpg)
Customers unlikely to escape the bank tax
Whenever businesses are hit with a nasty new levy, there is a predictable response: we'll pass it on to customers.
![The federal president of the Superannuated Commonwealth Officers' Association Dr Annette Barbetti.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/1/1/x/y/e/f/image.related.landscape.120x80.gw099g.png/1494388537346.jpg)
Super and home downsizing plans welcomed for older Australians
Older Australians downsizing from large family homes have received a generous push in the federal budget.
![It is important to get your head around changes to super before July.](/web/20170518165831im_/http://www.canberratimes.com.au/content/dam/images/g/s/u/w/t/3/image.related.landscape.120x80.gvz5gc.png/1494053654966.jpg)
Preparing for the super changes
This year's budget is unlikely to include further changes to super.