![Olga Kashubin advises paying attention to keywords when uploading photos but says it's important to balance the business ...](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/1/l/q/3/image.related.wideLandscape.940x529.gz1ljt.12uqus.png/1508199642212.jpg)
Money features
![A key to innovation and success lies in setting the right type of challenge.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/1/1/k/image.related.landscape.120x80.gz4052.png/1508385427264.jpg)
How to innovate your way to wealth
Innovation isn't just for business. We can also apply innovative practices to improve the management of our personal finances.
![Exchange-traded funds are a good place to start for investment.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/2/r/3/0/image.related.landscape.120x80.gz41zk.png/1508453377893.jpg)
How to get started with investment
Financial expert Nicole Pedersen-McKinnon advises a 17-year-old on his financial future.
![Panic selling on the floor of the New York Stock Exchange on October 19, 1987.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/a/e/r/image.related.landscape.120x80.gz4a78.png/1508448955927.jpg)
Lessons from the past: 1987 sharemarket crash and the GFC
Gearing to buy speculative investments at the best of times involves considerable risks because of margin calls as share prices decline.
![ANZ Access cardholders are now able to tap and go with Apple Pay on their mobile phones.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/q/t/w/j/5/image.related.landscape.120x80.gz347g.png/1508458172176.jpg)
ANZ extends Apple Pay to 1.6 million Access cardholders
ANZ Access customers will be able to use Apple Pay with in-store eftpos mobile payments, making the bank the first Australian financial institution to offer Apple Pay.
![Lisa Wilkinson with her former co-host Karl Stefanovic. Their pay gap pushed her to find another job.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/2/5/3/3/image.related.landscape.120x80.gz2jhy.png/1508461451619.jpg)
What the Lisa Wilkinson story says about equal pay for equal work
There are always excuses to explain away a pay gap.
![You have until October 31 to lodge your tax - or longer if you use an accountant.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/4/8/b/v/image.related.landscape.120x80.gz2ail.png/1508200558635.jpg)
Get ready to lodge your tax return
Here is a fool-proof guide to ensure you sort yourself out and receive your cash (or choose an accountant) before the deadline hits.
![As the property market slows down, banks need to rediscover the value of customer loyalty.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/1/c/e/5/image.related.landscape.120x80.gz2axr.png/1508333342210.jpg)
Are banks rediscovering the value of customer loyalty?
Are the banks finally getting it? Or being dragged, kicking and screaming, into a new reality?
![Samantha Nicoll.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/1/t/1/5/image.related.landscape.120x80.gz1i8r.png/1508131166429.jpg)
How the 'gig economy' is forcing workers into poverty
Budgeting has been a nightmare for Samantha Nicoll, whose introduction to the workforce was a series of casual jobs with no security.
![Laura McGeoch, Mike Billings and their children, Alfie 5, and Max 2. Laura and Mike worked in the UK where they have ...](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/z/a/k/c/image.related.landscape.120x80.gyzb6h.png/1507860873004.jpg)
Thousands of Aussies caught in tougher rules to transfer British pensions
Aussie travellers who work and amass retirement savings in Britain could now be waiting for decades to transfer this money into an Australian superannuation account.
![Technology can help you avoid temptation to dip into savings.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/o/6/i/o/image.related.landscape.120x80.gz0sly.png/1508115371102.jpg)
Round-ups go mainstream, as banks embrace behavioural finance trend
Round-ups boost savings by tapping into insights from behavioural finance, and they're going mainstream.
![Gold and base metals miner EHR Resources is doing well for race leader Scott Andrews.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/p/n/t/c/image.related.landscape.120x80.gz0645.png/1507853326428.jpg)
Andrews holds lead in shares race mostly thanks to European Cobalt, Living Cell
Money reader Scott Andrews retains first spot in week three of the Shares Race with his original $100,000 portfolio worth $$140,995.
![LICs and ETFs have similarities but there are nuanced differences.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/b/f/b/k/image.related.landscape.120x80.gz0joi.png/1507904479432.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/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/0/9/f/s/image.related.landscape.120x80.gz08qu.png/1507904489394.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/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/z/l/z/e/image.related.landscape.120x80.gyzlg4.png/1508159048407.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/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/g/v/4/u/image.related.landscape.120x80.gyzscr.png/1507950720840.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/20171020105334im_/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/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/o/k/s/b/image.related.landscape.120x80.gyz7j8.png/1507891388480.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.
![The big banks are all trimming their credit card reward programs but fees are rising.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/u/g/j/w/image.related.landscape.120x80.gyxrgy.png/1507766725202.jpg)
NAB slashes rewards points in major credit card shake-up
NAB has taken the knife once again to the value of its reward points on its credit cards - but fees keep on rising.
![The Australian dollar has risen to be close to US80c.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/q/3/c/0/w/image.related.landscape.120x80.gyxlx8.png/1507639160300.jpg)
How to double your tax refund
Will the prospect of a $2564 refund motivate you to finally do your tax return, if you haven't already?
![ACT building conditions have improved but lack of new detached homes is letting the territory down.](http://web.archive.org./web/20171020105334im_/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/20171020105334im_/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/20171020105334im_/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/20171020105334im_/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.
![The ASX looks set for a modestly upbeat start to the week.](http://web.archive.org./web/20171020105334im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/8/p/t/t/image.related.landscape.120x80.gywxj1.png/1507641575044.jpg)
Ethical and social investing: A winner or gimmick?
There appears to be an inherent conflict between doing what's right and moral, and maximising financial returns.