![Lifespan estimates from selfies are being trialed by US life insurers.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/1/m/g/l/y/4/image.related.wideLandscape.940x529.gwsl2m.12uqus.png/1498141218422.jpg)
Money features
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Sting in the super changes for lower paid public servants
Many lower income public servants and defence employees are disadvantaged by their employer's superannuation arrangements.
![It may be time for a little surgery on your nest egg.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/0/k/9/f/image.related.landscape.120x80.gwwzh6.png/1498182207029.jpg)
Your guide to next month's super changes
If you haven't paid attention to the looming changes in superannuation, this is what you need to know.
![The Rule of 72 makes complex calculations easier to do in your head – without an abacus or calculator.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/w/9/t/s/image.related.landscape.120x80.gww8l6.png/1498100727863.jpg)
How to figure out compound growth in your head
You don't have to be a mathematician to use the Rule of 72. It's simple, but once you understand how to use it, you'll wonder how you got by without it.
![Anonymous member of the Un-Rich List of world's poorest 100 citizens, produced by Fund for Peace.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/w/g/w/8/image.related.landscape.120x80.gww7vk.png/1498112493723.jpg)
The Un-Rich List you need to read
A sense of perspective can help you deal with the financial challenges most likely to affect the typical Australian.
![<P>](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/u/y/8/b/image.related.landscape.120x80.gwubvn.png/1497962122625.jpg)
'I bought funeral plots for my son'
Financial expert Noel Whittaker answers your questions.
![Consider a transition into retirement before you sign up for 30 years of relaxation.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/4/v/q/6/image.related.landscape.120x80.gwtwbj.png/1498141106049.jpg)
Think all you need to retire is money? Think again
It's possible your retirement fantasies involve beaches, drinks with tiny umbrellas and – ahh – spare time.
![Illustration: Simon Letch](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/u/u/b/x/image.related.landscape.120x80.gwuqg9.png/1498132568938.jpg)
Consumer power won't save the world
It's time we stop pretending that conscious consumerism can save the world. Instead it distracts us from the democratic power we have to effect real change
![Qantas chief executive Alan Joyce has done a good job but there are better investment opportunities out there.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/m/h/p/w/image.related.landscape.120x80.gwutkq.png/1497943295578.jpg)
Qantas hits the highs … of 2006
It's been a long flight back from a missed opportunity.
![Fraud against Australians using credit cards overseas has risen dramatically.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/r/0/o/d/k/image.related.landscape.120x80.gwqt1y.png/1497923699049.jpg)
We know less about money than we think
Many people misunderstand key concepts in banking, but few recognise the limits of their knowledge, a new survey suggests.
![Jeff and Judi Parry have downsized to a smaller apartment in a retirement village in Carlton. Photo: PENNY STEPHENS. The ...](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/s/j/d/6/image.related.landscape.120x80.gwsbht.png/1498141139165.jpg)
Life change: Meet the Australians reinventing retirement
We talk to the downsizers, the sea-changers and the retirees who moved overseas.
![Vocus Group is in play, pushing its share price higher.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/2/5/o/2/image.related.landscape.120x80.gwsb5j.png/1497595920424.jpg)
Capitol Health, Vocus, the best of the tips
Angie Ellis of 80 20 Investments has taken the lead in week one of the new four-week Shares Race.
![High-income earners could wind up in breach of the $25,000 annual contributions gap by accident, if they have a generous ...](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/p/l/e/v/6/image.related.landscape.120x80.gws1a8.png/1498141173751.jpg)
The trap for high income earners with a cushy super package
The reduction in the annual concessional cap to $25,000 will create significant problems for many taxpayers and the Tax Office.
![Commuting makes you miserable.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/m/0/e/p/image.related.landscape.120x80.gwsxts.png/1497937687179.jpg)
Money can buy happiness if you spend it on these three things
How would you spend $20 for the biggest payoff in happiness? What did you actually spend your last $20 on?
![Illustration: Simon Letch](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/9/3/1/l/image.related.landscape.120x80.gwrmke.png/1497947434469.jpg)
Unlucky seniors in the pension card trap
Former pensioners lose thousands because they earned hundreds.
![A weak pound and stronger Australian dollar make a holiday to Britain cheaper.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/0/a/j/s/image.related.landscape.120x80.gwrrw9.png/1497595798649.jpg)
Pound's weakness puts travellers to Britain in the box seat
Good news on Australian unemployment has helped to lift the Australian dollar against major currencies.
![If you love to knit, you could have a side hustle selling cute beanies.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/r/z/b/9/image.related.landscape.120x80.gwryfa.png/1497937437936.jpg)
The side hustle: Five ways to monetise your skills outside of a nine-to-five
The side hustle has exploded among Australian millennials and thanks to the internet there's more opportunity than ever to turn a skill or passion into a tidy income outside your nine-to-five.
![Compulsory super turns 25 this year.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/m/q/d/j/f/image.related.landscape.120x80.gwo4ge.png/1497147470055.jpg)
Compulsory super turns 25, but is yet to reach maturity
As well as Australia's economy reaching its 26th year of continuous expansion, the longest run of uninterrupted growth in the developed world, this year also marks the 25th anniversary of the introduction of compulsory superannuation.
![Running the economy is like being a pilot in a modern aircraft: there are lots of gauges and controls.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/p/f/z/c/image.related.landscape.120x80.gwpfgw.png/1497402516641.jpg)
Turbulent times for Reserve Bank, but no reason to assume crash landing
For central bankers, the job of steering the economy is a bit like flying a plane.
![Capital losses can offset capital gains.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/p/7/p/8/image.related.landscape.120x80.gwp7r4.png/1497363383394.jpg)
Why June is a bloody month for under-performing stocks
If you pay capital gains tax, it's worth thinking about selling loss-making stocks to offset the winners.
![Treasurer Scott Morrison's efforts to distinguish "good debt" from "bad debt" in the lead-up to the budget appear to ...](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/i/f/w/j/image.related.landscape.120x80.gwph15.png/1497417517988.jpg)
No tax revolt as Australians happy with what they pay
Most of us think high earners pay too little, corporations pay too little, and what we pay is about right.
![Gabriella Munoz will travel to Mexico to try to find her biological family, along with husband Cesar Albarran-Torres, ...](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/o/7/i/y/image.related.landscape.120x80.gwo88g.png/1497538964051.jpg)
'I'm spending my inheritance trying to find my birth family'
The search for my biological family will make us postpone the plans to buy our dream home.
!["If you're sitting on some bad apples you might as well bring forward the realisation of a loss to offset any gains."](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/x/i/m/i/image.related.landscape.120x80.gwo5p1.png/1497455124066.jpg)
Ten things you're doing wrong at tax time
Putting together a tax return isn't something most people relish.
![NSW Finance Minister Victor Dominello uses the FuelCheck app.](http://web.archive.org./web/20170623034027im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/7/o/m/m/image.related.landscape.120x80.gwp0yi.png/1497172479016.jpg)
Stretching your household dollar: Get ahead of the 'petrol gap'
Why you should remove your roof racks, and other tips to lower your petrol bill.