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Freeing yourself from the shackles of a mortgage is no easy task.

How can we clear our $500,000 mortgage in five years time?

If you have the risk appetite, and the income, you can wipe a fair amount off your mortgage rather quickly.

  • Paul Benson

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The difference in interest is costing you $50 a week.

I’m 73 with $19k in credit card debt. Should I use my savings to pay it off?

The interest you’re paying on credit card debt is slowly eroding your savings, but it can feel like a lot to pay off at once.

  • Noel Whittaker
If you feel trapped by your salary, it might be time to change your perspective.

I earn lots, but hate my job. Should I stay for the sake of my bank account?

Remember, your experience of life is not determined by how fancy your holidays are, how big your home is, or how cool your car is.

  • Paridhi Jain
Mortgage moves.

I’m 36 with only $45k left on my mortgage. Should I pay it off early?

There’s the peace of mind and extra flexibility you gain through being mortgage free, and that has real value, even if it doesn’t show up on a spreadsheet.

  • Paul Benson
Ensuring you have enough insurance when you jump into retirement is key.

I’m 63 and plan to retire soon. Should I keep my life insurance?

As you approach retirement, it makes sense to reassess what financial damage would actually be done if you died.

  • Noel Whittaker
Trustees do not have unfettered power to deliberately exclude particular beneficiaries, even if they are estranged.

I want to fairly give my three nephews money. How should I do it?

The impact your gifts will have on your nephews now will be far more significant than if they have to wait until you pass away.

  • Paul Benson
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The earlier you start, the longer you'll have for compound interest to do its work.

What can I do to stop my 19-year-old daughter spending?

Give her this example: At that age, it would take saving just $6 a day for her to be a millionaire by retirement (at 65).

  • Nicole Pedersen-McKinnon
Senior moment.

I’m 74 with $1.6m in super. Am I eligible for a healthcare card?

If you earn too much, even in retirement, you won’t be eligible for the Commonwealth Seniors Health Card.

  • Noel Whittaker
Financial advice can be complex and confusing.

My super fund’s no help. So how do I choose a good financial advisor?

Your priority should be to find someone with whom you feel comfortable having open and frank discussions.

  • Paul Benson
Passing assets on to your children will have some tax consequences.

I want to sell my investment property to my son. Do I have to pay tax?

When disposing of property, even to a close relative, capital gains tax will be part of the equation.

  • Noel Whittaker