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  • Money Magazine2 min read
    No Reason To Change A Terrific Strategy
    Q I am 39 and have been saving and investing now for nine years. I hold two investment properties worth $800,000 and $570,000, with loans of $280,000 and $350,000 respectively. I also have $180,000 in super, $240,000 in equities and $50,000 in cash f
    Money Magazine2 min read
    Promise Of A Quick Profit On Investment Was Misleading
    Send your questions to: Ask Paul, Money magazine, Level 7, 55 Clarence Street, Sydney NSW 2000 or money@moneymag.com.au. Sorry, but Paul can't personally answer your questions other than in the Q&A column. By submitting your question to Money, you co
    Money Magazine2 min read
    Spot The Rip-offs
    Businesses set initial prices low and then sharply increase them in subsequent years when consumers cannot easily detect, question or renegotiate them and where the ‘transaction costs’ of changing to other competitors are high. Guilty Some banks, ins
    Money Magazine5 min read
    Beyond The Backyard
    More than 2.5 million Australians already live in apartments, but a wider range of buyers are considering the move in the face of eye-watering real estate prices and a growing desire to live an easier life in a convenient location. In Sydney, the med
    Money Magazine1 min read
    $5 Banknote Set For A Makeover
    Cash users could soon find themselves paying for their morning coffee with a new-look $5 note, as the Reserve Bank (RBA) has announced a public redesign campaign. 90% of the women who seek support for domestic and family violence are affected by fina
    Money Magazine1 min read
    Keep Ahead Of The Tricksters
    If there's one thing you commit to memory this year, make it this list of four common scamming tricks. 1. Pretending to be from an authority, scammers rely on most of us being lawabiding citizens. So, they commonly pretend to be from large, familiar
    Money Magazine1 min read
    Shares
    ▶ MORE SHARES STORIES ON P78-85 Shareholders are increasingly objecting to what they regard as company executives’ inflated pay packets. Strikes against executive salaries among the 300 largest companies listed on the Australian SecuritiesExchange (A
    Money Magazine1 min read
    Investors Caught Out By Empty Promises
    In 2017, Tasmania Police launched an investigation into Nant Barrel Holdings. Hundreds of investors had bought barrels of whisky from the business for as much as $14,000, with Nant promising to buy them back after four years while paying investors a
    Money Magazine2 min read
    Leaving A Home At Frame Stage Is A Terrible Idea
    Q I find myself in a challenging situation after a builder insolvency. I received $150,000 from the building indemnity insurance, which is in my bank account earning 4.5%. The home is at the frame stage, but an additional $250,000 (the $150,000 build
    Money Magazine5 min read
    For The Love Of The Game
    Australians love sport. More than 80% of us participate in some form of sport to keep fit or to have fun. Millions of devotees regularly watch games, tournaments and matches on television, and hundreds of thousands volunteer to organise footy, soccer
    Money Magazine5 min readInvestments & Securities
    The World Is Your Oyster
    The mantra for much of my time at the Australian Securities Exchange (ASX) was “what we do matters”. I first used it when answering a question from a new starter about why the ASX was always in the news. I wasn't boasting, just simply acknowledging t
    Money Magazine2 min read
    Avoid The Rush To Prepare Tax Return
    As we approach the end of the financial year, thoughts may be turning to preparing your tax return. You must be able to substantiate your deduction claims, which for many taxpayers can mean a mad scramble to find invoices/receipts. So now is a good t
    Money Magazine1 min read
    2023 Mount Horrocks Cordon Cut $44 (375ml)
    The best of this country's dessert wines often don't get the credit they deserve. Stephanie Toole has been making this delicious sticky in the Clare Valley for 30 years and has established a formidable reputation for its quality, especially with rest
    Money Magazine1 min read
    $200 Slashed From Monthly Grocery Bill
    Inflation may have left consumers primed to accept price hikes at the checkout. But for first-time homeowners Chris and Isha Rana, spare cash is a rare thing. Faced with the double whammy of rising mortgage repayments plus higher living expenses, the
    Money Magazine6 min read
    The Wealth Harvester
    Justin Gilmour grew up with 10,000 sheep for neighbours. That might not be the norm for most young Australians, but when your family runs a 6000-hectare wheat and sheep farm near the town of Carnamah, 300km north of Perth, that's life. “I think growi
    Money Magazine1 min read
    Your ‘Renovate Or Move’ Checklist
    1. You can create a home tailored to your specific needs and preferences. 2. You can stay put, which is ideal if it's close to work and amenities, and you have good neighbours. 3. You could increase the value of your home with considered updates. 4.
    Money Magazine4 min read
    When To Wind Up Your SMSF
    Although there are many advantages in setting up a self-managed super fund (SMSF), circumstances change and what may have been a sound decision years ago may no longer apply today. There are a whole host of reasons why people decide to wind up their
    Money Magazine1 min readFinance & Money Management
    Would-be Homeowners Are ‘More Ruthless’
    Australians feel more optimistic about the prospect of buying property. A new Westpac report revealed that four in 10 people are considering a property purchase in the next five years – a 9% increase on the figure recorded last July. Not every cohort
    Money Magazine1 min read
    Property
    ▶ MORE PROPERTY STORIES ON P60-65 While property prices have skyrocketed in recent decades, new research by PropTrack and the e61 Institute has highlighted the meteoric rise of another cost faced by most home buyers: stamp duty. The research reveals
    Money Magazine1 min read
    Financial Lessons To Last A Lifetime
    Learning about money is a lifelong journey. Parents and teachers consistently tell us they wish they had learnt more about personal finance at school when they hear about the Talk Money program run by Ecstra, an independent charitable foundation comm
    Money Magazine1 min read
    Reap The Long-term Rewards
    Thao Bui was 24 when she purchased her first property in East Melbourne in 2006 for $275,000. Three years later, the four-bedroom, standalone house had doubled in value. Bui used debt recycling – that is, the equity she had in that first home – to bu
    Money Magazine4 min read
    There's One Critical Number You Must Calculate First
    We all love a good FIRE, Gianluca! For me, this mainly involves sitting in front of one at the snow with my family and a glass of red wine. But your type of FIRE I certainly support. ‘Financial independence, retire early’ is a plan that many love the
    Money Magazine2 min read
    What To Look For When Buying A Family Car
    Ababy on the way often prompts people to upgrade their car – something bigger, safer, more practical. Whether your budget means you are looking at a brandnew or a second-hand car, there are some things to consider to make parenting easier. A large bo
    Money Magazine2 min read
    Salary Sacrificing Is The Best Way To Go
    Q I'm 54, recently divorced and plan to retire at 60. I will have good super. I work three days a week and find it covers my expenses, living modestly. I don't have a mortgage. My question is: Is it too late to start investing in shares, since the se
    Money Magazine1 min read
    Investing
    ▶ MORE INVESTING STORIES ON P66-77 Asignificant proportion of retirees could be leavingmoney on the table as a result of widespread misunderstandings about the age pension and how it can supplement income from their superannuation funds. That is one
    Money Magazine3 min read
    Letter Of The Month
    Paul's response to Tamara about her teenagers’ interest in shares (Ask Paul, February) is insightful. Might I add that an excellent way for teenagers (or anyone, for that matter!) to learn about shares is the biannual ASX Sharemarket Game. Her childr
    Money Magazine2 min read
    Industry Funds Provide An Alternative
    The reasons people wind up their SMSF are being keenly observed by large industry funds. “At UniSuper, we've seen trends emerging in those taking up SMSFs,” says Derek Gascoigne, state manager, advice, at UniSuper, in an article on investment website
    Money Magazine1 min readFinance & Money Management
    News Bites
    Australians have a record 200 million days of accrued annual leave, and the new Subi platform makes it easier to cash it in. Employees with more than 20 days of leave can claim them as cash, with Subi dealing with employers. The service is free, with
    Money Magazine3 min readSmall Business & Entrepreneurs
    Join The Entrepreneurs’ Club
    Afew weeks ago, a colleague's teenage son reluctantly enrolled in university. The teen, fresh out of high school, was keen to go straight into business for himself, try his hand at running an enterprise and skip the five-figure student HELP debt he's
    Money Magazine1 min read
    I Want To Retire By 50. How Much Money Will I Need?
    I'm 42 with a concrete plan to retire in about six or seven years with enough capital to live from the dividends (FIRE – financial independence, retire early). Now, the question is about my super. I have no issue with waiting to reach my preservation

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