![The ASX looks set for a modestly upbeat start to the week.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/8/p/t/t/image.related.wideLandscape.940x529.gywxj1.12uqus.png/1507641575044.jpg)
Money features
![LICs and ETFs have similarities but there are nuanced differences.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/b/f/b/k/image.related.landscape.120x80.gz0joi.png/1507870221037.jpg)
Investment basics: the difference between ETFs and LICs
many investors are seemingly unaware as to the nuances between listed investment companies and exchange-traded funds and the impact they may have on portfolios.
![Nursing home bills could rise if the government accepts new recommendations.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/0/9/f/s/image.related.landscape.120x80.gz08qu.png/1507855172612.jpg)
Ordinary people to pay more for aged care under proposed reforms
The aged care reforms introduced in 2014 have just been reviewed, with recommendations for more change to the aged care system.
![Customers pick through the racks at Dressed Up in the City, a fashion business that offers designer dress rentals.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/z/l/z/e/image.related.landscape.120x80.gyzlg4.png/1507790229906.jpg)
How dress rental sites can save you money on fashion
There are about 70 dress rental sites in Australia and some let you rent out your own clothing.
![Former treasurer Peter Costello has called for a bigger government role in superannuation regulation.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/g/v/4/u/image.related.landscape.120x80.gyzscr.png/1507816920828.jpg)
Nationalisation call. Turn default super over to government, Costello urges
Former treasurer Peter Costello has called for the nationalisation of default superannuation, saying if it was run by the government there would be no war over who should run it.
![Christmas is 10 weeks away, which gives you plenty of time to plan and budget.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/z/q/8/x/image.related.landscape.120x80.gyzpci.png/1507788782963.jpg)
Your 10-week plan to prepare for Christmas
The first mentions of Christmas are creeping into retail marketing, and for many Australians that signals unbridled spending and a January spent worrying how to pay-off the credit cards.
![Australia's superannuation scheme is the envy of the world. It shouldn't be.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/o/k/s/b/image.related.landscape.120x80.gyz7j8.png/1507772100232.jpg)
Counting on your super to fund your retirement? Don't.
Australia's superannuation scheme is the envy of the world. It shouldn't be.
![ACT building conditions have improved but lack of new detached homes is letting the territory down.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/a/q/e/m/image.related.landscape.120x80.gyxn7l.png/1507642873688.jpg)
Rules for same-sex couples no different on tax
The superannuation rules are the same for everybody.
![Media talking heads have no more predictive ability than you or I, they just happen to be on TV.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/3/y/b/x/image.related.landscape.120x80.gyxpzb.png/1507621426842.jpg)
Why consensus tells you little about a company
To make money out of shares you have to work out what's going to happen that is unexpected.
![Comparing the performances of life-cycle options is difficult, perhaps impossible.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/f/b/j/y/image.related.landscape.120x80.gyvr45.png/1507641605077.jpg)
Just got mail from your super fund? You should read it
It's that time of year when the annual statements from super funds for the year to June 30, 2017 sent out. And this year, more than any other, it's important to check the report rather than not reading the email or throwing the paper report in the re-cycling bin.
![Early consumers of Radio Shack products, New York, 1983.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/1/3/8/y/j/r/image.related.landscape.120x80.gyxs18.png/1507641658492.jpg)
Technology marches on: The phrase that kills companies
There's an image floating around cyberspace that resurfaces every year or so. It's a page from a 1991 Radio Shack catalogue. Radio Shack is the US version of the old Tandy, for those who remember the latter. On it are a range of products for sale. And the capabilities of the products on that page can now be found in a single place: inside your smartphone.
![Geoff Wilson says the value of the pro bono support is well exceeding the investments in the charities.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/n/c/6/y/image.related.landscape.120x80.gywn4d.png/1507554249932.jpg)
Geoff Wilson's $6.8m funds aim to improve life for youth
Australia's first intensive outpatient program for young people with eating disorders and a targeted mental health national awareness campaign are among projects that investment guru Geoff Wilson's social investment funds are supporting.
![Winston Churchill can offer a lesson on the banks.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/o/i/j/h/image.related.landscape.120x80.gyvbjs.png/1507554223679.jpg)
Winston Churchill's coins offer clue to bank motives
The unexpected "generosity" of the Commonwealth Bank in abolishing fees for withdrawals at ATMs has been well publicised. As expected, all the other banks quickly followed suit and there were headlines galore about the difference it would make to their customers.
![How can you tell if a company is doing what it says?](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/r/x/8/3/3/image.related.landscape.120x80.gyuspi.png/1507173797655.jpg)
How to tell if a company is really doing good
Increasingly, consumers and employees want to know if a business is about more than just profits.
![Cobalt, which is in great demand, has helped Andrews increase his lead.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/p/b/7/d/l/image.related.landscape.120x80.gyvhgy.png/1507554189096.jpg)
European Cobalt increases Money reader's lead
Money reader Scott Andrews has increased his lead over Angie Ellis of 80 20 Investments in week two of the four-week Shares Race.
![Secrets of success: Theresa Albioli and Tony De Marco have hit the sweet spot with their holiday accommodation business](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/t/4/0/t/image.related.landscape.120x80.gyum1s.png/1507554207448.jpg)
'It was crippling us': How to avoid the pitfalls of holiday homes
Holiday and short-term letting websites are making it easier to profit from that property.
![Telstra's share price has sunk like a stone recently.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/l/6/6/x/image.related.landscape.120x80.gyusbm.png/1507172455530.jpg)
Should we cash in shares to fix our home?
Remember: Buy low, sell high.
![There are risks to passive investment.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/o/o/c/t/image.related.landscape.120x80.gyutgd.png/1507174684535.jpg)
Passive investment is positive but far from a panacea
The rapid growth of passive investment may carry risks for the broader market.
![Multiple credit card applications will drive down your credit rating.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/u/g/j/w/image.related.landscape.120x80.gyur22.png/1507816841035.jpg)
How shopping around can hurt your credit score
The calculation of a credit score is more mysterious than the Duckworth-Lewis method.
![The family economics equation: parents give very unequally while they are alive, but provide to have their estates ...](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/4/k/w/q/image.related.landscape.120x80.gyn3v4.png/1507321403237.jpg)
Why some kids get more parental cash than their siblings
Parental perception of their children's success – or income status – plays a critical role.
![CBA chief executive Ian Narev would have keenly felt the drop in his pay.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/s/p/7/w/image.related.landscape.120x80.gysn9p.png/1507511476375.jpg)
CEO pay is obscene but it's not the real issue
Yes the pay is obscene, but don't be distracted.
![Founder of Stockspot, Chris Brycki, says despite improvements, the banks and AMP could do more to migrate their ...](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/n/z/o/b/x/image.related.landscape.120x80.gyt73e.png/1507032556287.jpg)
Banks still own worst-performing super funds
Funds owned by the big banks and AMP continue to dominate the ranks of the 'fat cats' with high fees and poor performance.
![Taking more risk with super will likely pay off for younger fund members.](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/z/q/w/k/3/image.related.landscape.120x80.gyr9gz.png/1507209553074.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/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/r/8/y/e/image.related.landscape.120x80.gyt9e5.png/1507070400753.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.
![STRESS AFR 100722 MELB PIC BY JESSICA SHAPIRO... GENERIC tablet, pill, pharmaceutical, drug company, pain, relief, ...](http://web.archive.org./web/20171013065950im_/https://www.fairfaxstatic.com.au/content/dam/images/g/r/o/c/5/6/image.related.landscape.120x80.gysn40.png/1507262247519.jpg)
Buy now, pay plenty later: warnings sound on layby apps
"Buy now, pay later" apps cater to millennials' need for instant gratification and short attention spans. Users can sign-up to the apps in a matter of seconds with no credit checks.
![If you're detoxing your body, why not detox your bank balance as well?](http://web.archive.org./web/20171013065950im_/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/20171013065950im_/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/20171013065950im_/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.