![German-born Dominic Grevsmühl transfers a lot of money between Australia and Europe.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/0/k/z/7/image.related.wideLandscape.940x529.gy0jgk.12uqus.png/1503464488910.jpg)
Money features
![You're not Gordon Gecko, the Michael Douglas character pictured left in Money Never Sleeps.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/z/i/7/image.related.landscape.120x80.gy3z73.png/1503626518690.jpg)
A little financial tough love
There is a lot that is wrong with financial services. That said, many of us don't help ourselves, either.
![There are a variety of errors that taxpayers can commit when filling out their tax return – whether mistakenly or otherwise.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/x/i/l/3/image.related.landscape.120x80.gy3x6f.png/1503622283471.jpg)
5 reasons you didn't get as much tax back this year
It's that time of year when Australians get their tax returns back from their accountants and sometimes get a nasty surprise.
![Superannuation contributions can be used to reduce your capital gains tax liability.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/q/t/q/6/image.related.landscape.120x80.gy3bm2.png/1503553806322.jpg)
How super contributions can reduce capital gains tax
Making tax-deductible superannuation contributions to reduce capital gains tax is now a strategy available to more people.
![If your boss asks you to "take care of something", communicate about how you plan to tackle it.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/2/w/w/image.related.landscape.120x80.gy32p2.png/1503551338972.jpg)
How to manage your boss
One of the key determinants of our income is how well we get on with our boss.
![Artist: Matt Davidson](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/2/r/l/i/image.related.landscape.120x80.gy23en.png/1503532874675.jpg)
Our obsession with tax deductions is peculiarly Australian ... and pointless
Most of us have better things to do than juggling boxes of receipts.
![Lazy investors could do better than the diligent.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/o/8/k/j/image.related.landscape.120x80.gxzbbo.png/1503383094395.jpg)
Why lazy investors can come out ahead
It seems counter-intuitive but unlike most endeavours in life, the less work someone actually puts in investing, the better they do.
![Angie Ellis is doing well from her picks of BigUn, Electro Optic Systems and Aristocrat.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/b/8/g/l/image.related.landscape.120x80.gxyzcs.png/1503022906367.jpg)
Ellis increases her lead as BigUn goes gangbusters
At a little over the halfway mark of the Year-Long Shares Race, Angie Ellis of 80 20 Investment has extended her lead over the second-placed competitor.
![Anecdotally, more self-managed super funds are being wound up and more funds are starting than in the past.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/1/m/z/9/j/a/image.related.landscape.120x80.gxygqu.png/1503411033247.jpg)
Consider the downside before you opt to run your own super
Many of those who got in early on the trend to running their own super funds are mostly in the retirement phase and more DIY super funds are being wound up.
![More than eight of 10 women in domestic violence situations also suffer financial abuse.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/z/p/z/0/image.related.landscape.120x80.gxzpww.png/1503286038644.jpg)
Financial strength is key to escaping family violence
Since time immemorial women have stayed with violent partners because they can't afford to leave.
![Downsizing to a unit can reduce the cost of maintaining a house and garden.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/y/7/1/6/image.related.landscape.120x80.gxy6x0.png/1503142177536.jpg)
No value in downsizing scheme for most retirees
Australians who receive a part age pension would be reluctant to take advantage of the new downsizing rules.
![Tensions are rising between North Korea and the US.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/x/p/x/f/image.related.landscape.120x80.gxy8am.png/1503413374244.jpg)
Investors facing volatile market
Among the many factors affecting investment risks, the level of gearing and diversity of asset holdings are paramount.
![If the main breadwinner dies or is no longer able to work, how would the family survive?](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/y/7/r/8/image.related.landscape.120x80.gxy7q7.png/1503411104394.jpg)
Prepare for the risk of losing the breadwinner
If you follow the news about North Korea you might think we're living under imminent threat of catastrophe, but many Australians have a potential disaster in store closer to home.
![Amber and Rowan Joyce are $14,000 a year better off living in Thirroul than Sydney.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/z/k/p/1/image.related.landscape.120x80.gxxgg3.png/1503040250435.jpg)
How one couple is saving $19,338 a year on childcare
For the Joyce family, one partner being assigned to a project in Wollongong, south of Sydney, set the wheels in motion for a sea change.
![Easton James and wife Cecilia had to cut short a holiday to Malaysia four months ago to accompany their eight-year-old ...](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/w/b/x/d/image.related.landscape.120x80.gxvmu9.png/1503156259161.jpg)
Readers share horror stories about free travel insurance
Credit card versions of policies can be more restrictive than the standalone counterparts, and carry a higher excess. Here are the top reasons why your claim could be denied.
![Smaller companies can do very well for investors, but are hard to find.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/1/1/l/4/k/p/image.related.landscape.120x80.gxu86l.png/1502748497243.jpg)
Crowd-sourced equity funding on its way
DIY super funds and other investors will soon be able to invest in start-up companies through "crowd-sourced" funding platforms.
![Australians claim about $23 billion in tax deductions for work-related expenses each year.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/j/0/h/l/z/image.related.landscape.120x80.gxw153.png/1502809318690.jpg)
The $75 a year reason women need 'their heads read'
It's time for women to change their thinking on tax deductions.
![Dress for Success helps women get back on their feet by providing professional outfits for job interviews and other ...](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/v/k/p/m/image.related.landscape.120x80.gxvisg.png/1502811558407.jpg)
The average Australian is six paydays away from being homeless
Build financial resilience and confidence to buffer yourself from the risk of homelessness.
![If you only invest in Australian companies, you miss out on opportunities such as Facebook.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/y/8/6/c/image.related.landscape.120x80.gxus4t.png/1502809400729.jpg)
Buy global stocks because the ASX is not enough
The ASX is only 2 per cent of the world's stock markets, when measured by market capitalisation.
![Kathryn Carmont founded Thermohub five months ago using a mortgage redraw as start-up capital.](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/u/8/h/v/image.related.landscape.120x80.gxt4xz.png/1503107849468.jpg)
How Kathryn started a Thermomix business without breaking the bank
Getting a business off the ground isn't just about finding start-up money. Behind the scenes you've got to be able to live and ensure your personal finances don't go backwards.
![Cann Group, the medical cannabis company, was the best pick of all](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/j/s/1/w/p/image.related.landscape.120x80.gxu0qa.png/1502530649784.jpg)
Back-to-back wins for Ellis after strong race performances
Angie Ellis of 80 20 Investments scores yet another win in the Shares Race.
![Bapcor supplies about 500,000 car parts to independent mechanics and chains like Ultra Tune and Kmart Tyre and Auto and ...](http://web.archive.org./web/20170826023955im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/u/m/9/z/image.related.landscape.120x80.gxuk5g.png/1503463515277.jpg)
Ten ways to save time and money
Like many working parents I'm time poor, so my favourite savings tips are ones that save time as well as money.