![Gym owner, Luke Champion, uses Afterpay to pay for small purchases and he always makes his repayments on time](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/s/n/4/6/image.related.wideLandscape.940x529.gysn40.12uqus.png/1506994803631.jpg)
Money features
![CBA chief executive Ian Narev would have keenly felt the drop in his pay.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/s/p/7/w/image.related.landscape.120x80.gysn9p.png/1506998069955.jpg)
CEO pay is obscene but it's not the real issue
Yes the pay is obscene, but don't be distracted.
![Taking more risk with super will likely pay off for younger fund members.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/z/q/w/k/3/image.related.landscape.120x80.gyr9gz.png/1507016858190.jpg)
Upping the risk will pay off for younger super fund members
Younger super fund members will be better off in one of their fund's more aggressive investment options.
![A reader asks if CGT will apply to her mother's unit.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/r/8/y/e/image.related.landscape.120x80.gyt9e5.png/1506997277293.jpg)
Do the dead pay capital gains tax?
I am a bit confused about the possibility of claiming a tax deduction for contributions to superannuation since the Government changed the rules from July 1, 2017. If one is paying the maximum of $25,000 per annum into superannuation as pre-tax contributions (employer contribution plus salary sacrifice), what can be claimed as a tax deduction when completing the 2017/18 tax return. Can I claim a tax deduction for after-tax contributions?
![If you're detoxing your body, why not detox your bank balance as well?](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/s/4/e/p/image.related.landscape.120x80.gyt075.png/1507001570632.jpg)
A 10-step financial detox to get fit for Christmas
There is still time to make sure you finish the year well and are on a better financial footing to launch into 2018.
![There are steps you can take to sort out your superannuation.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/q/g/s/a/image.related.landscape.120x80.gysn1w.png/1506980150440.jpg)
How to super proof your death
Columinst Noel Whittaker helps readers with their financial conundrums.
![Chelsea Crichton is earning up to three times the interest on her savings after switching from her bank to peer-to-peer ...](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/p/o/m/a/image.related.landscape.120x80.gyqogq.png/1506998192007.jpg)
Why Chelsea took all her savings and lent it to total strangers
Peer-to-peer lender, RateSetter, says 56 per cent of money invested with it is from savers withdrawing their money from their bank savings accounts.
![Scott Andrews is doing well from Living Cell Technologies, which develops cell therapies for neurodegenerative diseases.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/0/z/9/f/image.related.landscape.120x80.gyr44q.png/1506952605415.jpg)
Money reader takes early lead in first round of new four-week Shares Race
Money reader Scott Andrews has thrown down the gauntlet to Angie Ellis, of 80 20 Investments, as racers start new round.
![In the case of Bali's Mount Agung, you need to have bought your insurance before the current threat of eruption and ...](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/n/9/y/4/image.related.landscape.120x80.gyqdrt.png/1506575973205.jpg)
What you need to know if the Bali volcano threatens your holiday
Nicole helps … determine your Bali refund rights.
![Almost everybody you know will have some story about hassles caused by a badly prepared will, or worse still – no will ...](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/m/a/9/k/image.related.landscape.120x80.gyqdew.png/1506566073703.jpg)
Cost of having no will far higher than the fees to get it right
Nearly 50 per cent of people die without a will, and most of the remainder seem content to use a "do it yourself" job from the local stationery shop.
![Given that interest rates are seen to be heading up in coming months and years, and the property market is arguably ...](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/9/u/t/c/image.related.landscape.120x80.gyqcpx.png/1506952558945.jpg)
How to decide which assets to sell when your income falls short
Financial expert George Cochrane answers your questions.
![I don't know how many seconds you save by using the tap-and-go eftpos terminals, but it sure feels fast and super-convenient.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/z/t/4/9/c/image.related.landscape.120x80.gyqdo4.png/1506566657653.jpg)
The price of convenience may be higher than you think
As we move away from payments in cash to technology-enabled transactions, other issues arise.
![The rising dollar should provide a spur to invest offshore.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/o/o/d/b/image.related.landscape.120x80.gyr98i.png/1506774848561.jpg)
Home is not where the returns are
Despite Australia representing only 2 per cent of the world's gross domestic product, Australian self-managed superannuation fund investors on average have almost 70 per cent of their investment portfolios in Australian-focused assets.
![More taxpayers are receiving 'please explain' letters from the Tax Office](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/1/0/b/m/n/r/image.related.landscape.120x80.gyq9ay.png/1506907610846.jpg)
What to do if targeted for a tax audit
The Tax Office's new data matching technology is catching out more taxpayers than ever.
![Paid parental leave delivers long-term savings in health costs.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/g/4/j/g/image.related.landscape.120x80.gyqctt.png/1506579548091.jpg)
The case for splitting the cost of having a baby
Babies have plenty going for them but they're hardly cash-positive.
![Jay Stiles is pleased with the results after switching to his super fund's ethical option three years ago.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/k/x/5/v/image.related.landscape.120x80.gylz0r.png/1506421027277.jpg)
Super members give up returns to invest with a conscience
The socially responsible investment of the for the health and community services super fund, Hesta, has blitzed its rivals over all time frames up to 10 years.
![One way to save money on health insurance is to increase your excess.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/d/s/o/p/image.related.landscape.120x80.gyld4j.png/1505952916795.jpg)
Why my health fund hates me, but I love it
Financial expert Nicole Pedersen-McKinnon shares five ways to get the most out of private health insurance.
![We aren't always rational when it comes to our money.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/r/k/o/e/t/image.related.landscape.120x80.gyoty0.png/1506391435532.jpg)
Five 'nudges' that will make you money
One of the truly new parts of economic theory is the belated realisation - or perhaps we should say acceptance - that people aren't the purely rational automatons that the academics had previously assumed.
![Our biggest super funds are getting bigger by world standards, which bodes well for their members](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/c/9/7/m/image.related.landscape.120x80.gymyw0.png/1506952629129.jpg)
Minnow super funds left behind by the giants
Australia's largest super funds are rapidly working their way up the world rankings by size. But what does that mean for the members of the minnows?
![The plan was to streamline tax time for most of us.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/x/6/i/7/image.related.landscape.120x80.gyn2m6.png/1506415378099.jpg)
How can you avoid mortgage stress?
Financial expert Noel Whittaker answers your questions.
![Tax Commissioner Chris Jordan says more than $7 billion worth of sales made in Australia will now be taxed for the first ...](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/5/0/v/9/image.related.landscape.120x80.gyk9ic.png/1506471496608.jpg)
Multinationals still don't pay 'fair share' in tax
You can forgive Aussies for being sceptical when they see advertisements claiming that "the Australian Government is ensuring multinational corporations pay their fair share of Australian tax".
![Rick Evans buys and sells camera gear using Gumtree and eBay.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/m/t/6/e/image.related.landscape.120x80.gylr1l.png/1506437128087.jpg)
Average household has $5400 worth of unwanted items they could sell online, report finds
Buying and selling of preloved personal goods could be worth $43.5 billion a year and has grown by almost $4 billion over the past year.
![Saman Shad and her husband really wanted a third child, but it was about emotion not status.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/u/6/n/l/image.related.landscape.120x80.gyn4a7.png/1506332011544.jpg)
Why wealthy families are opting for more kids
A couple with two kids seems to be the clichéd family make-up and for many also the ideal. But what if you throw another child into the mix – by choice?
![Lovisa is doing well for Angie Ellis.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/3/s/q/2/image.related.landscape.120x80.gymnva.png/1506523136760.jpg)
Ellis' pick of Lovisa keeps her in the lead in Year-Long Shares Race
Into the final quarter of the Year-Long Shares Race, Angie Ellis of 80 20 Investments holds on to her lead over the second-placed competitor.
![Margaret and her husband have helped their adult sons buy homes but worry about the grandkids.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/l/6/y/r/image.related.landscape.120x80.gyl6wl.png/1505952899716.jpg)
'We had it luckier': why Margaret helped sons buy homes
Like many of her generation, Margaret Wyatt, 80, worries about the cost of housing for her grandchildren.
![There are Nant Whisky Bars in Brisbane, Melbourne and Hobart.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/l/f/p/o/image.related.landscape.120x80.gylfbn.png/1506523101523.jpg)
Investing in Nant Whisky barrels seemed too good to be true - and it was
In 2013 Nant Distilling Company launched a nationwide marketing campaign using full-page advertisements in major newspapers. The offering was almost irresistible.
![Real estate agent and investor, Bella Exposito is caught in the dramatic downturn of property prices in the Queensland ...](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/n/7/1/c/image.related.landscape.120x80.gyn6vs.png/1506774721782.jpg)
Bella bought 19 homes, then the market halved
A real lack of diversification in property market hotspots is catching out investors and it's threatening to send some people to the wall.
![The rates offered for online savings accounts have been falling rapidly.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/2/8/o/h/image.related.landscape.120x80.gylsjq.png/1506175782355.jpg)
'Be a rate tart': switch savings accounts to get rates above 3pc
Financial expert Nicole Pedersen-McKinnon says becoming a rate tart is the only way to get decent interest on savings accounts, without meeting onerous conditions.
![AustralianSuper will make life insurance opt-in rather than opt-out for workers under the age of 25.](http://web.archive.org./web/20171003223529im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/m/0/c/a/image.related.landscape.120x80.gylzp5.png/1506523228377.jpg)
Move to opt-in life insurance for young members is welcome
Insurance premiums will reduce the rate of growth of super balances but obtaining needed coverage in a super fund has several attractions.