In this episode we explain how a reverse mortgage works and who they're suited to. Importantly, we explain a low cost government alternative that charges LESS THAN HALF the interest rate of a commercial loan.

The most recent Nightlife with Philip Clark on ABC Local Radio across Australia.

From turbulent markets to dodgy fixed interest investments, we dealt with many questions from listeners ranging from Centrelink to Superannuation to death benefits.

The election's over and with such a comprehensive result, the announcements made during the campaign are set to become law. From new taxes on super, nasty changes to tax deduction rules and the possible end of the pop-up tax clinic in you local shopping centre. - Tax returns made easier still. Why many people should get a boosted tax refund.

We explain the policies and how they might affect you.

We explain in simple terms, why you need to consider the financial arrangements surrounding retirement villages and aged care costs. The bottom line here is that retirement Village homes are NOT a property investment and I am yet meet someone who exited a traditional retirement village setup who didn't lose a lot of money.

Heavily used by Industry super funds, we explain the potential pitfalls for someone approaching retirement with a super fund, heavily exposed to unlisted assets. In the current market turmoil, there's a risk the amount you think you have in super, is actually less. How to avoid a "correction" just when you're about to retire.

This meaty episode provides an overview of how the system works and how you can get better bang for your buck if you're using a Government funded home care package.

We also explain how for some, the estate they leave to their loved ones could be considerably sell under the new rules and why putting Mum or Dad into aged care before June 30 (if they are ready) could be a very sound financial decision.

In this episode we chat about markets, Super, Tax, Death Benefits, Centrelink and answer questions from callers all over Australia.,

Live radio on the ABC Mornings Statewide program, after the budget, where we explain what's happened and take listener's calls.