NZ Herald 13 December 2008
Q&As: Government’s KiwiSaver changes include a big improvement on their pre-election plans; New taxation of KiwiSaver employer contributions is fair enough. Plus: readers’ views of my political leanings vary widely.
Q&As: Government’s KiwiSaver changes include a big improvement on their pre-election plans; New taxation of KiwiSaver employer contributions is fair enough. Plus: readers’ views of my political leanings vary widely.
Q&As: Couple can afford to retire youngish, especially if they are willing to eat into their savings; Cash PIE not always a good substitute for a term deposit — but there’s another way to achieve reader’s goal using PIE tax advantages.
Q&As: Repaying a mortgage — on a home or rental property — almost always better than saving with term deposits; KiwiSaver works well for children; 3 Q&As on charitable Christmas giving.
Christmas giving that makes you happier too. Struggling retailers aren’t going to like this, but how about we make 2008 the year we stop spending ridiculous amounts on Christmas presents we don’t need — and often don’t even like?
Q&As: Does charity begin in the home country? Salvation Army programme looks good; List of overseas charities with Christmas gift offerings; National’s KiwiSaver changes could discourage single Mum trying to get ahead — but there’s hope they will be altered; The whole KiwiSaver mortgage diversion issue will be much easier for many under National’s changes. Plus: Readers on KiwiSaver.
2 Q&As on National’s proposed changes to KiwiSaver. Meaningful Christmas presents. Readers’ views on KiwiSaver.
To hedge or not to hedge? There are two key questions around investing overseas: Should you do it? And if you do, should you hedge your investment, so it’s not affected by movements in the New Zealand dollar. The first answer is “Yes”. The second is trickier.
Q&As: PIES have many more pros than cons, with tax breaks and, in some cases, a government guarantee; Single parent with three rentals might want to sell one — but not for the reason she suggests. Plus: readers’ views on KiwiSaver.
Q&As: There’s plenty of hope for worried KiwiSaver in 30s — on the home ownership front and elsewhere; National’s plans for KiwiSaver make mortgage diversion much less attractive for many. Plus: Readers’ comments on KiwiSaver.