![Qantas posted its second-highest ever profit on Friday.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/x/l/3/image.related.wideLandscape.940x529.gy5e45.12uqus.png/1504051327681.jpg)
Money features
![The Tax Office estimates $2.85 billion a year in super is not paid to employees.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/o/a/x/u/image.related.landscape.120x80.gy65t8.png/1503973104658.jpg)
Tax Office reveals size of underpayment of super for the first time
There is a $2.85 billion-a-year shortfall in what employers should be paying their employees in super.
![Homeowners are increasingly turning to Airbnb to make extra money.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/d/l/k/a/image.related.landscape.120x80.gy5g4s.png/1503884568491.jpg)
A homeowner's guide to letting on Airbnb
Airbnb can seem like a short-term win because of income and tax deductions, but there's a long-term cost when you sell.
![Illustration: John Shakespeare](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/5/g/o/g/image.related.landscape.120x80.gy56hc.png/1504011570717.jpg)
Planning for a bequest
Financial expert Noel Whittaker answers your questions.
![The government wants to improve lending standards in the credit card market.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/u/g/j/w/image.related.landscape.120x80.gy4crh.png/1503801224489.jpg)
Push for tighter caps on credit card limits
How long is too long to spend paying off a credit card debt?
![Big homes with pretty gardens are a great base for retirees to entertain friends and family.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/4/k/w/q/image.related.landscape.120x80.gy4kbp.png/1503819906153.jpg)
The real reason retirees keep their big homes
Despite efforts to encourage retirees to downsize, they overwhelmingly prefer to continue living in their big houses.
![Scott Johnston got his finance approved well before he bought his apartment in Melbourne's Richmond.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/3/6/o/image.related.landscape.120x80.gy2vn7.png/1504018793992.jpg)
Organise finance early this spring property season
House hunters should seek to get mortgage approvals well ahead of time.
![Fastbrick's robots can lay the bricks for a four-bedroom house in two days.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/1/t/b/s/image.related.landscape.120x80.gy3w6y.png/1503622996436.jpg)
Pritchard takes handy lead in new Shares Race with lithium and robots
Richard Pritchard has thrown down the gauntlet to the Shares Race's reigning champion, Angie Ellis, in week one of the new round of the four-week Shares Race.
![You're not Gordon Gecko, the Michael Douglas character pictured left in Money Never Sleeps.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/z/i/7/image.related.landscape.120x80.gy3z73.png/1504018815426.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/20170830164616im_/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/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/q/t/q/6/image.related.landscape.120x80.gy3bm2.png/1504018760192.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.
![The exemption of the family home from the age pension assets test makes retirees reluctant to downsize.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/5/8/9/image.related.landscape.120x80.gy33ql.png/1504018905702.jpg)
How the age pension distorts the housing market
When the decision was made to exempt the family home from the pension assets test, home ownership levels were higher and housing was more affordable.
![If your boss asks you to 'take care of something', communicate about how you plan to tackle it.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/2/w/w/image.related.landscape.120x80.gy32p2.png/1504018885968.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/20170830164616im_/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/20170830164616im_/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.
![Economists at both CBA and UBS expect residential construction will slow over the coming years.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/l/4/i/m/image.related.landscape.120x80.gxx8m0.png/1503431988938.jpg)
'Meaningful correction': Apartment boom soon to run out of puff
Will the housing construction boom be followed by a bust, as is often the case?
![Treasury Wine Estates has a high P/E ratio but good growth potential.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/x/u/a/4/image.related.landscape.120x80.gxyck9.png/1503410988213.jpg)
The investment metric that's better than the P/E ratio
The P/E ratio appears to allow you to compare how expensive companies are relative to each other but it doesn't take account of earnings growth.
![Dominic Grevsmühl, who lives in Melbourne, is very careful about how much he pays to have money transfered.](http://web.archive.org./web/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/0/k/z/a/image.related.landscape.120x80.gy0jgk.png/1503464488910.jpg)
Australians are being ripped off on currency exchange
Australians are paying through the nose to transfer money overseas, but there are alternative providers.
![Angie Ellis is doing well from her picks of BigUn, Electro Optic Systems and Aristocrat.](http://web.archive.org./web/20170830164616im_/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/20170830164616im_/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/20170830164616im_/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/20170830164616im_/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/20170830164616im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/x/p/x/f/image.related.landscape.120x80.gxy8am.png/1504021000487.jpg)
Investors facing volatile market
Among the many factors affecting investment risks, the level of gearing and diversity of asset holdings are paramount.