Paul Clitheroe’s passion is for Aussies to better understand the keys to financial success. Paul is a founding director of financial planning firm ipac, chairman of the Financial Literacy Foundation and chief
commentator for Money Magazine. Recent entries
Car financing runs slow
Car finance choices have narrowed but there are still still plenty of deals available. >>
We can learn a lot for Melbourne Cup bookies
Making money from taking risks is all about diversifying. >>
Getting the best travel insurance deal
Insurance is an essential part of any overseas travel. >>
Credit card reward schemes
Substantial costs involved in running reward schemes passed onto cardholders. >>
First home savings tricks and tips
A new account is available for first-home buyers. >>
High interest rates are good news for some
Term deposits may offer an alternative to investing in shares. >>
Best life insurance deals
If you have a family, life insurance's a must. >>
Report reading made easy
Usually, a picture tells a thousand words, but not in a company report. >>
Every business needs a plan
1 CommentsPlan well and don't leave it all to luck. >>
Low doc loans still on offer
And they're a good option for the self-employed. >>
Put your tax refund to good use
Resist the urge to splurge and invest it. >>
An unpleasant super return?
Don't be alarmed if your nest egg goes backwards. >>
Cash in on managed funds
Without plenty of capital, it can be hard to achieve diversification as a direct investor. >>
Going green can be good for your wallet
Many financial products offer rewards to environmentally-friendly consumers. >>
Need credit?
Forget the credit card, go for a personal loan. >>
Credit card management
Used wisely, credit cards can be very useful. >>
Super for the self-employed
1 CommentsMake plans now to boost your super for the future. >>
Are you a landlord?
The tax man has you in his sights this year. >>
Fight the fuel blues
Basic steps to help ease the pressure at the pump. >>
Shares are an appealing investment
As long as you're in it for the long haul. >>
A word of warning
Take care with tax-driven investment schemes. >>
Kids need to be money savvy
2 CommentsTeach them good habits now, not later. >>
Investment goals are good
But be motivated by common sense. >>
Your job is your best investment
Where the employment opportunities will come from in future. >>
Beef up your super now, not later
You can't afford complacency when building a nest egg. >>
Mortgage stressed?
There is a way out, if you communicate >>
Could someone steal your identity?
How to protect yourself from financial fraudsters. >>
Don't let your holiday be ruined by unexpected bills
Organise travel insurance long before you start packing a suitcase. >>
How much money are you leaving to the kids?
Many seniors are living on a very restricted income. >>
Advice may help you sleep at night
A good financial planner will make your money work harder. >>
There's no such thing as a free lunch
Credit card rewards usually come with a cost. >>
What's the best way to clear your debts?
Debt consolidation can work if you approach it properly. >>
How to take control of your money
Mere mention of the word “budget” makes many people wince. >>
What will happen to your assets when you die?
Everyone should have an up-to-date will. >>
Don't be pushed beyond your budget
Buying property, especially a home to live in, can be an emotionally charged event. >>
Avoid getting slugged by Medicare levy surcharge
2 CommentsYou could buy basic health cover for less. >>
How to avoid electronic banking shocks
A few simple steps can help protect your cash. >>
$12 billion in long lost super looking for a home
The Lost Members Register is the equivalent of an animal shelter for retirement funds. >>
How just $1 a day can make you richer
One of my favourite maxims is “save little, save often”. >>
That dream home can be a nightmare
The stats say one in three homebuyers ends up with a lemon. >>
Protect your money from scammers
Fraudulent emails pretending to be from the Tax Office have been doing the rounds. >>
Why high density living is in high demand
The baby boomers are a driving force behind new trends in housing >>
Reverse mortgages come with a catch
Choose carefully or you could lose all your equity. >>
Don't wait for the repo man to come knocking
Take action early to get your debt under control. >>
How to avoid a New Year debt hangover
Take a smart approach to festive spending. >>
Choosing a car insurer just got a whole lot easier
Research group Cannex has released a star rating report for car insurance. >>
Why young Aussies should get excited about super
Over the next few weeks, thousands of young Australians will boost their wallets with part-time or casual jobs over the busy Christmas period. >>
Landlords get the tenants they deserve
2 CommentsHow to ensure a decent return on your investment property. >>
Why is it so hard to save money?
There are good reasons why so little of our money finds its way into savings account. >>
Brave new world of online investing
1 CommentsThe availability of discount online brokers has opened up the sharemarket, plus a smorgasbord of managed funds, to ordinary investors. >>
Number crunching can cut capital gains tax
As far as the taxman is concerned, capital gains tax can apply whether you acquired the taxable asset by purchase, inheritance, construction or received it as a gift. >>
Property prices on the up and up
Finding affordable housing is becoming more of a challenge for first-home buyers and renters. >>
Pension cheque bonanza for seniors
September 20 marks the introduction of key asset changes that could provide a better deal for many retirees. >>
Financing a small business
Small business owners need to choose debt funding with care. >>
Protect your pay in case of disaster
The outbreak of horse flu has shown how even the most unexpected events can occur, often with devastating consequences. >>
Don't fall for the hype about online accounts
A head-turning online interest rate may not be such a lucrative deal once you look beyond the marketing hype and scrutinise the details. >>
We can learn a thing or two from America
The “sub-prime” mortgage woes occurring in the US provide valuable lessons for those of us here in Australia. >>
Will an election rock the sharemarket?
We can expect a few more sharemarket ups and downs between now and when the election results are finalised later in the year. >>
Are you ready for the daily grind of a business?
1 CommentsBut buying a business is a major decision, and even if it's in an industry that appeals to you personally, it doesn't mean the venture will be a good investment. >>
Beware: the super sharks are circling
When cash is tight, it can be tempting to unlock any savings held in your super. But in addition to cutting yourself short in retirement, tapping into your nest egg ... >>
How to boost your super nest-egg
A new report suggests the changes to super will have little impact for many Australians unless they take action now. >>
Tips for gaining a home loan
The weekend rounds of “open house” inspections are all too familiar for many first home buyers. However, the process of gaining mortgage approval tends to be less well understood. >>
Shop around for your car loan
With more than 400 personal loans to choose from, it's worth being picky. The wrong loan could deliver nasty surprises further down the road. >>
New financial year resolutions
The start of the new financial year doesn't just mark the end of a mad scramble to rush through final tax deductions for the previous year. >>
Investment property and tax
Residential property can be a very tax-friendly investment, but when it comes to tax time, landlords need to mindful that the Tax Office is clamping down on property investment claims. >>
Home and contents insurance
The recent wild storm and torrential rain that wreaked many parts of Sydney and the Newcastle region reaffirm the unpredictably of nature. >>
Investment duds
There's something about human nature that continually sees us tipping money into scams in the hope of earning over the top returns. >>
Ethical Investing
These days investors can be kind to the planet as well as their portfolio, with an expanding range of 'ethical' managed funds. >>
Residential property update
The latest figures from the Australian Bureau of Statistics (ABS) show the property market is currently enjoying positive returns nationwide, though the picture varies between states. >>
Health insurance - choosing a policy
Recent reforms to the private health insurance system mean Australians can insure themselves for a broader range of treatments including disease prevention programs. >>
Investment clubs
Investing can be fun as well as rewarding, and by getting together with a few mates in an informal investment club, you can share a few laughs and hopefully some ... >>
Choosing an executor
It's important for all adult Australians to have an up to date will, and in addition to considering whom you bequeath your assets to, it is worth giving careful thought ... >>
Boost your nest egg with super changes
With just weeks remaining until 30 June, it's worth looking at ways to boost your nest egg ahead of radical changes to our super system. >>
Refinancing cost
The standard term of a mortgage may be 25 years, but relatively few of us hold the same home loan over this period. >>
Home affordability
The latest research from the Real Estate Institute of Australia (REIA) confirms that home affordability continues to remain difficult. >>
Diamonds are not investors best friends
Valentines Day is just around the corner and no doubt florists and confectioners will be doing good business. >>
Home loan refinancing
A new survey by the Mortgage Industry Association of Australia (MIAA) shows a growing number of home owners are refinancing their mortgage to gain benefits such as lower interest rates. >>
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