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superannuation system from a lower income part time workers perspective.My mum passed away last year and my wife King, 18 year old son Adrian and I will receive an inheritance of about $250,000. We have two mortgages: one for our principal place of residence, valued at $400,000 to $450,000, with $152,000 debt remaining; and the other for a $100,000 interest only loan for a property investment using our family trust. Both loans are connected to a variable rate offset account. My wife and I have only small super accumulated $40,000 for me and $30,000 for her. Neither of us salary sacrifices. We both work and our son has just started university.Should we simply pay off the two loans and continue working or pay off just one loan and keep the offset account working for us? In our late 40s and early 50s, we have for the past 10 years or so been "asset rich but cash poor". We'd like to be able to finish paying off the loan but have cash for a holiday or emergency. My wife would like to end her factory job and have her own cafe as a hobby business into older age. Paul delivers his verdict.Every time a conventional lightbulb is replaced with a LED (light emitting diode) version, half the electricity will be used and therefore greenhouse gases will be cut in half. If you switch to LED lights in your home, your power bill will be lower and you will save money buying replacement bulbs because LEDs can last 25 times longer than a conventional incandescent bulb and 10 times longer than a compact fluorescent light (CFL). Susan Hely finds LED lights use less electricity and last years longer than other bulbs.When