Having been raised in the US, I'll never forget the first time I got a haircut in Melbourne and managed to offend the stylist by offering her a cash tip.
When you start investing, it can feel like you're swamped by paperwork. So it's important to know what you need to stow away, and what you can throw away.
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.
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