![Michael Mylonas 22, from Perth, has made 17 times his original investments in crypto-assets, including virtual ...](http://web.archive.org./web/20171022145225im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/q/7/g/image.related.wideLandscape.940x529.gz3cbb.12uqus.png/1508646234793.jpg)
Money features
![Sydney family Bronwen Morgan, Jim Conley and their kids Cassidy, 9, and Brooklyn, 7, have not owned a car in five years.](http://web.archive.org./web/20171022145225im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/5/f/c/m/image.related.landscape.120x80.gz5fko.png/1508650665189.jpg)
Car ownership the norm, despite the rise in car sharing
The Morgan-Conley family doesn't own a car, but they're going against the tide.
![Race winner Scott Andrews grew his portfolio value by more than 30 per cent in four weeks.](http://web.archive.org./web/20171022145225im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/2/r/3/0/image.related.landscape.120x80.gz4oeg.png/1508461517362.jpg)
Andrews wins with a return of more than 30 per cent
Money reader Scott Andrews takes out first spot in the Shares Race after maintaining the lead throughout the four-week race with big contributions European Cobalt, EHR Rources and Living Cell.
![Dee Heath, a businesswoman who has invested in Bitcoin on the side, at the pole dancing fitness gym she owns in Arndell ...](http://web.archive.org./web/20171022145225im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/q/6/o/image.related.landscape.120x80.gz3zv3.png/1508545397079.jpg)
Small business entrepreneur triples her money with Bitcoin - but beware the risks
As Bitcoin moved up sharply again this week, after breaching $US5000 last week, the House of Representatives Standing Committee on Tax and Revenue heard evidence about virtual currencies and tax.
![A key to innovation and success lies in setting the right type of challenge.](http://web.archive.org./web/20171022145225im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/1/1/k/image.related.landscape.120x80.gz4052.png/1508536510820.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.
![Panic selling on the floor of the New York Stock Exchange on October 19, 1987.](http://web.archive.org./web/20171022145225im_/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/20171022145225im_/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.
![Gender inequality in preparation for retirement is larger in Australia than the US and UK.](http://web.archive.org./web/20171022145225im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/f/o/t/f/image.related.landscape.120x80.gz0hsn.png/1508420763939.jpg)
Aussie retirement gender gap much larger than US, UK
The biggest gaps in preparedness included not knowing how much was needed to retire or how long retirement savings would last.
![Lisa Wilkinson with her former co-host Karl Stefanovic. Their pay gap pushed her to find another job.](http://web.archive.org./web/20171022145225im_/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/20171022145225im_/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.
![Olga Kashubin advises paying attention to keywords when uploading photos but says it's important to balance the business ...](http://web.archive.org./web/20171022145225im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/1/l/q/3/image.related.landscape.120x80.gz1ljt.png/1508199642212.jpg)
How to make cash on the side from stock photography
Olga Kashubin makes enough money from selling photography to stock agency to pay for an annual overseas holiday with husband.
![As the property market slows down, banks need to rediscover the value of customer loyalty.](http://web.archive.org./web/20171022145225im_/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?
![Retail sales have fallen for two months in a row, according to ABS figures.](http://web.archive.org./web/20171022145225im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/f/r/g/e/image.related.landscape.120x80.gyz8z8.png/1508246736406.jpg)
Cautious consumers tipped to drag on economy
Retailers have suffered their worst two months since 2010, and there is a growing view among economists that it reflects a broader pattern of consumers growing more cautious with their money.
![Samantha Nicoll.](http://web.archive.org./web/20171022145225im_/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/20171022145225im_/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/20171022145225im_/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/20171022145225im_/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/20171022145225im_/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/20171022145225im_/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/20171022145225im_/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/20171022145225im_/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/20171022145225im_/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/20171022145225im_/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.