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A business out of a box

A franchise might promise a safe entry into business but things can pan out differently. John Kavanagh reports.

Billabong International (BBG)

The story of Google's conception at one of the founders' homes is legendary in the tech world. Conjuring up a global leader from one's bedroom is de rigueur in Silicon Valley these days.

A better pension bet

Reverse mortgages get a lot of attention because they are marketed by financial institutions and sold mostly by advisers on commissions.

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Features

Lending changes threaten poor

The end of interest-rate caps on pay day lenders will leave low-income earners vulnerable to exploitation.

Dig deep for documents

The strategy: To claim a tax deduction for my work-related expenses.

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[Portrait: Noel Whittaker]Noel Whittaker is a Brisbane-based financial adviser and author of nine books, each week Noel answers your questions.

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