Work

Hard to get work in the 'lucky country'

Michelle Hutchison Newcomers to Australia say finding work is the most difficult part about living here.

LAST REQUEST

Will wills still work as paper trail fades?

Web life: With people spending so much of their time online, it is worth considering what should happen to your digital assets and accounts after you die.

Emily Chantiri Most of us manage our personal finances online. It's very convenient for us, but how easy will it be for our executors?

THE MOTLEY FOOL

Six ways to make your money work as hard as you do

Money

Scott Phillips You've worked hard to earn it, so don't let your money put its feet up - give it a job to do.

INSIGHT

Economy struggling to generate enough work

GENERIC. 090424. AFR Pic by Angus Mordant. Generic Pic. Banker, Stock Broker, Business Man, Suit, Work, Sydney SPECIALX 000000

Clancy Yeates There are few clearer signs of Australia's patchy economy than the labour market.

PROBLEM SOLVING

How to make complaining work

Complaints.   Man yelling over the telephone.

Christine Long Nobody likes to be a whinger. But when bad things happen you have to be able to complain - and get results.

Set a goal and make a plan

Carolyn Roberts micro-manages her family's household budget and manages to save for a holiday each year.

Sally Patten If you don't have goals, you are guaranteed not to achieve them.

TIP OF THE WEEK

Trackers can get your finances in shape

Behaviours encouraged by your Fitbit can also be applied to your financial life.

Catherine Robson Whether its your health or your money, developing positive habits is the cornerstone of success.

BASIC TRAINING

Basic Training: How to save for your first big trip

Before you head off on your big trip, try and cut out all possible discretionary spending.

Larissa Ham You've got big plans to see the world - but how are you going to pay for your great big adventure?

YOUR QUESTIONS

What's the right call on concession card changes?

The Telstra discount for pensioners amounts to a maximum of $15 a month for a fixed-line phone rental.

George Cochrane The loss of health care entitlements continues to worry readers.

TIP OF THE WEEK

Planning executive job exit in advance

Take the time to prepare for when you step away from a high-end job.

Nerida Cole If you're looking to step away from a high-end job you'll need to have a sound strategy.

UNPROTECTED

Gloves off as the abused take control

Money pressures in a home can leave a sinking feeling.

Christine Long Women are falling victim to financial abuse — and may not even be aware they are.

TIP OF THE WEEK

Walk the financial line with your kids

Financial education can start when children are quite young.

Dominique Bergel-Grant Showing children how to be independent is one of the greatest gifts you can give.

LIVING LONGER

Slow down - the road is a long one

Christine Weston recognises she will need to work beyond the traditional retirement age.

Emily Chantiri As life expectancy grows, does it make more sense to pace ourselves instead of cramming everything into the first 40 or 50 years?

WELL-HEELED

Planning eases the pain of unexpected strife

MON00 Melissa
Melissa Browne.

Melissa Browne Unforeseen things happen, and it's important to prepare yourself for them.

INSURANCE

Pets can cost owners a bundle

MON00
John Collett

John Collett We love our pets but they can cost a fortune. Should your dog or cat suffer a serious illness or accident, you could be left out of pocket to the tune of thousands of dollars.

ASSETT CHECK

Policy switch on life insurance is long overdue

Hopefully, the reduction in commissions payable will reduce the pressures put on customers to switch their insurance arrangements.

Daryl Dixon When it comes to insurance, the benefits of shopping around can be substantial.

YOUR QUESTIONS

Where should my 19-year-old park his cash?

Flexibility is still important for young investors.

George Cochrane My 19-year-old son has $20,000 cash savings on deposit. We are thinking of investing the money long term with regular top-ups in a share market or index fund.

TIP OF THE WEEK

High income doesn't always equal wealth

Spend, spend, spend is not the route to wealth

Michael Hutton No matter your pay grade, if you're spending everything you earn then you're reducing your wealth.

Seven ways to thrive in the new financial year

MON00 Melissa
Melissa Browne.

Melissa Browne It's time to stop talking about getting busy and start doing something about it.

WINNERS & LOSERS

Slow road or fast lane - goals need nurturing

At 38, marketing consultant Jasmine Skee is thrilled at having reached her biggest financial goal of owning a home.

Emily Chantiri Why do some people reach financial targets and others do not? What's the secret of their success?