Estate Planning

TIP OF THE WEEK

Splitting up? Act now to avoid surprises later on

Alex Berlee Divorce is an emotional time but also one when important financial decisions have to be made.

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?

TIP OF THE WEEK

Don't leave your estate in a state

Don't be caught without a will.

Michael Hutton Getting your life in order before it's too late has its benefits.

ASK NOEL

Tricky tax deduction claim is best left to the accountant

Noel Whittaker How do I deduct the interest on my mortgage when filling in my tax return for the redrawn amounts used to invest in shares?

EARNING AND LEARNING

Brushing up on your financial skills

PALMER FAIRFAXMEDIA PHOTOGRAPH BY GLENN HUNT 26th June 2014.
MONEY - Hal Palmer at his house in Chelmer, Qld.

Sylvia Pennington Understanding your financial situation, and improving it, requires some education and effort.

FINANCIAL RECOVERY

Women who leave with nothing

Moving out and up: It is difficult escaping abuse and it carries financial implications.

Sylvia Pennington Getting away from abusive situations is hard, getting back on your feet financially can be harder still.

PLANNING

Why you need to make a will

No rush: Hadley Allchurch, right, says making a will for wife Sarah and daughter Hayley would make him feel very old.

Kate Jones It's the morbid conversation no one wants to have, the plan no one wants to make.

YOUR QUESTIONS

A grand $3 million financial plan

A grand financial plan.

George Cochrane The family home can be sold within two years of death without any capital gains tax.

ASK NOEL

Saving hard for a house

Illustration: Michael Mucci.

Noel Whittaker I have $6000, and save 50 to 70 per cent of my income. What's the best way to increase my savings?

PLANNING

Five questions to ask a financial planner

Mark Bouris dinkus.

Mark Bouris People know they should see a financial adviser but often don’t know where to start.

ASK NOEL

Bigger lump sum or decent pension?

Mucci illo for Noel
-- 

Richard 
Hughes 
Money Editor 

The 
Age/Sydney Morning Herald
-- 

L2, Media 
House, 655 Collins St, Docklands, VIC 3008 
T 03 
8667 3138 | M 0401 489 849 
richardhughes@fairfaxmedia.com.au 
| www.theage.com.au 

HandlingALumpSum.jpg

Noel Whittaker What's the best pension plan with a big mortgage but a bad history of handling lump sums?

Good in a crisis? Try a financial fire drill

alarm000706 Pic by Tanya Lake for AFR Perspective
generic Alarm Fire Brigade Bell Emergency ***afrphotos.com***

Pamela Yip Could your resources hold up if you lost your job or had to make a mercy dash halfway across the country - or the world? The best way to find out is to run a fire drill on your finances and see if...

THE REGULATOR

Getting super across to all

telstra . 020320 AFR pic by tanya lake
first use afr
generic telstra in the bush outback phone box silverton NSW Australia call caller rural services service

Robynne Quiggin While many Australians find super challenging, for those living in rural and remote areas - and especially for indigenous Australians - the difficulties are magnified.

DEAD MONEY

Don't take PINs and passwords to your grave

CREDIT: Brandon Thibodeaux/New York Times
WEALTH MATTERS 1
May 24 2013, at 02:36 PM

Kieran Clifford, a retired vice president for finance from Lucent, at his home in Dallas, May 24, 2013. Clifford took more precautions after a hacker fraudulently requested a large wire transfer from his account. (Brandon Thibodeaux/The New York Times) - XNYT52

If you're thinking about a will, you need to think about sharing your online access codes too.

INHERITANCE

Where there's a will there's a long, long wait

PIC JIM RICE. 13.05.08..  PIC SHOWS.. GENERIC .AGE CARE .RETIREMENT   OLD PEOPLE. PENSIONS. POST .AUSTRALIA POST SPECIALX 84657

David Wilson You cannot count on a prospective bequest as an asset - a hard fact to accept for some.

YOUR QUESTIONS

Triggers and the bring-forward rule

Your Questions with George Cochrane

George Cochrane Do you understand how the bring-forward rule for non-concessional super contributions works?

ASK NOEL

Share trust an option for young saver

Noel Whittaker I am 17 and left school a bit over a year ago. I have managed to save $10,000 and was wondering what I should do with it?

YOUR QUESTIONS

Wise choices for a disabled child's future

Your Questions dinkus

George Cochrane You should always investigate the use of a disability trust in which to leave assets.

ASK NOEL

No harm in shares if you weigh risks

Noel Whittaker We are self-funded retirees, in good health at 84, who rely on term deposits for income. Should we be looking at blue chip shares to maintain our income?

ASK NOEL

Keep your financial heirs in the loop

---------- Forwarded message ----------
From: michael mucci <mucciart@ozemail.com.au>

Date: 7 November 2013 12:30
Subject: Noel toon
To: Richard Hughes <richardhughes@fairfaxmedia.com.au>
hereya go Richard
thanks mate

mooch
-- 
Richard 
Hughes 
Money Editor 

The 
Age/Sydney Morning Herald
-- 

L2, Media 
House, 655 Collins St, Docklands, VIC 3008 
T 03 
8667 3138 | M 0401 489 849 
richardhughes@fairfaxmedia.com.au 
| www.theage.com.au 

EngagingTheBeneficiaries.jpg

Noel Whittaker Why should you involve your beneficiaries in your financial decisions if they can't even manage their own personal finances?