– It’s not worth staying in highly paid job you hate
– How rainy day money might help with mortgage
– Don’t forget finance company collapses
– How rental property is different
– Am I unfair, or is the reader?
– Big-hearted landlords
DON’T BE SCAMMED!
– Bernie Madoff (just died) and David Ross (recently released from prison)
– Who is most often approached, and how?
– Types of scams — boiler room, Ponzi, high-risk products, shares, software packages and seminars, imposter websites
– What to do if considering an investment that might be dodgy
– What to do if you think you might have been scammed
– Mortgages not a good substitute for term deposits — try managed funds
– Where to save house deposit
– Last week’s renter/landlord not so badly off …
– … Some ideas for her, but they’re not great
– Will landlords be able to raise rents?
– A better idea on bright-line test
– Finally — lovely feedback from a mother
Low-risk funds — a good alternative to bank term deposits
(But first — a quick follow-up on share trading)
– Defensive and conservative funds, in and out of KiwiSaver
– Where to get info — Smart Investor tool. Look for low fees.
– Don’t panic when balance falls a bit
– Comparison with bank term deposits:
— Pluses: withdrawals, PIE tax, safety
— Minuses: fees, don’t know returns, some volatility