Hi Scott, On holidays recently I went to the reception desk at the hotel and was asked for my credit card. I explained to the guy on duty that we do not have one (being Barefooters, we willingly cut it up and now get by without one).

Hi Scott,In a previous article called ‘Time to Think of the Kids’, you outlined an investment bond strategy which would work well for our two kids, who are four and six. After researching it I'm not sure how to go about investing in bonds.

Hi Scott, What is a reasonable ongoing management fee for invested funds? My wife and I have just over $1 million invested in our self managed superannuation fund.

Hi Scott, My dad is offering me $25k worth of AFI shares to put in my portfolio. Sounds good but I was wondering what effects this would have on my tax.

Hi Scott, I’m a dairy farmer and feel I have been let down by our co-operative, Murray Goulburn. I now have a debt to them that’s been backdated.

Hi Scott, At 24, I am finally ready to move out of home for the first time. I have approx $60k in savings and I earn $38k.

Hi Scott I just read your column on property investment and it got me thinking about commercial property. You see, I hate paying rent and outgoings to run my psychology practice, so I am thinking about buying something instead.

Hi Barefoot, I earn $180k and have paid off my $600k home. I recently had a cold call from an investment group saying they can use the ‘income tax withholding variation’ to effectively negative-gear a property they were trying to sell us.

Hi Scott, Can you please look into a company called Binary Tilt. They are offering very high weekly returns.

Hi Scott, Around 18 months ago we fixed our mortgage rate at 4.84 percent for three years, thinking it was at the bottom of the cycle.

Hi Scott, I am worried my partner might be doing something silly. I am 23, he is 27, and as a couple we are on about $140k a year -- with $40k in shares, $10k in Mojo, two cars paid off, no debt, no kids.

Scott, My wife and I are 40, with two primary-school-aged kids. I seek your investment opinion.

Hi Scott, My wife and I are both 53. I earn $110k but our living costs are consuming our income, leaving nothing for extras or contingencies.

Hi Scott, I am one of your Barefoot buddies. I write as I am greatly concerned about the proposed Budget changes to superannuation.

Scott, My girlfriend is stuck in financial hell. Her estranged husband, who lives upstairs, is a gambler and has lost it all, a couple of times.

Hi Barefoot. I like your stuff and follow it pretty closely.