Ask Paul: Where to save money for our big trip?
Ang and her husband have six years before they're planning to hit the road in a caravan and see Australia, but where should they save for the trip until then?
Ask Paul: Is now a good time to fix my interest rate?
Paul Clitheroe has argued for nearly 40 years against Aussies fixing their home loan rates, but how much lower can they go?
Ask Paul: Should I take money out of super and open a term deposit?
Kathy's super has taken a hit so would she be better off withdrawing money to open a term deposit? The idea makes Paul Clitheroe very uncomfortable.
Ask Paul: We paid off the mortgage but we’re scared to close the account
Maureen and her husband have paid off the mortgage but haven't discharged the $300,000 loan in case their kids need help.
Ask Paul: Should I take money out of our offset account to buy gold?
Luke has $60,000 in offset against his family home but he's unhappy with the return. Should he cash it out and buy gold and silver bullion instead?
Ask Paul: I want to give my kids $150k each, what could go wrong?
Linda wants to sell her house and give each of her children $150,000. It's a nice idea, says Paul Clitheroe, but too many well-meaning parents end up in poverty.
Ask Paul: Should my sister rent out her house over Christmas?
Jane's sister is thinking of renting her house out while she goes camping over Christmas, but will she then have to pay capital gains tax when she sells?
Ask Paul: We have $100k in offset, should we buy property or shares?
With $100,000 in offset against their home, Nick and his wife are keen to start investing. "If your work is not secure, I'd be hanging onto your cash," says Paul.
Ask Paul: Is this a good alternative to a self-managed super fund?
Matthew and his wife have an SMSF but what happens when they can no longer manage it themselves? Matthew thinks he's found an alternative.
Ask Paul: Is my non-bank mortgage offset protected?
Martin is concerned that his offset account at a non-bank is at risk. Is it protected under the government's financial claims scheme?