In this episode of Financial Services Online, host Paige Estritori highlights strategic financial habits that could save Australians roughly $12,000 each year, including tackling 'loyalty tax', comparing bank rates, consolidating loans, and more. Also discussed is the prospective merger between Telstra Super and Aware Super, a move expected to manage $228 billion assets and serve 1.3 million members. The potential merger could lead to lower fees and higher returns for members. Reform approved by the Australian government of the Higher Education Contribution Scheme also features, offering an average reduction of $5,520 on $27,600 loans and setting the repayment income threshold from $54,000 to $67,000. The episode concludes with a pet insurance story emphasizing the importance of fully understanding policy details. For more finance news updates, visit financialservicesonline.com.au.n

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