Public and private schools send Year 6 students to Canberra on almost identical trips. Christopher Hall explains where the real differences lie — and where they don't.

A mortgage broker has six ways to handle a client's life insurance, and the most common one is to do nothing at all. What Standards 3 and 12 of the adviser Code of Ethics say about reciprocal referral arrangements, why applications stall before an insurer ever decides, and what a broker should look for in an adviser.

A first-person account of booking a MoleMap full-body skin check with the 50% AIA Vitality discount code: what the $139.50 covered, who actually performs the scan, who reads the images, and why the photographic baseline was the part worth paying for. Results still pending.