Where are we on ethical investing?
– Different names for it, and different approaches
– NZ report from Responsible Investment Association of Australasia
– How ethical investing is growing
– NZ v Australia
– Which issues do people most care about?
– Greenwash and what is being done about it
– Watch your risk level
– 2 good websites: Mindful Money and Responsible Returns
Q&As:
– Grandparents’ best gift for a baby
– Single Mum should put house ahead of son’s private schooling
– Should last week’s Mum buy a cheaper house now?
– Yes, tenants can put up pictures, but they need to fix the walls afterwards
– A little of the high-risk stuff, but only a little!
Q&As:
– Where to park money for a year or two
– Why it’s hard for couple to become “wholesale investors”
– Ideas for last week’s beneficiary…
– … and a story that might encourage her
– Landlords can’t ban pictures on the wall
– Suggestion for Timaru-bound couple: Keep Auckland house and rent it out
Managing your mortgage
– Survey: Half people with mortgages are ahead on their repayments
– Penalties on repaying fixed loans early
– Why being ahead is good news: retirement savings, security, goal setting, easy “investment”
– But is this best thing to do with spare money?
– The future: rising interest rates, what to do if you can’t meet payments
– Best strategy: fixed or floating? Several terms?
Q&As:
– Suggestions on how a reader can “make her life better”
– When a term deposit paid 25 per cent!
– 2 Q&As on how to find a possible lost overseas bank account
– Could last week’s house seller’s gains be taxed in New Zealand?..
– … and overseas?
Q&As:
– How to cope with housing market that could rise or fall
– KiwiSaver during maternity leave — and for non-employees
– 2 Q&As about splitting mortgages into three different terms
– Sorry but your NZ Steel shares are worthless
– Seeking possible overseas bank account
Active vs Passive share funds:
– Listener’s letter suggests an active NZ fund beats the index
– Why this could be misleading – wrong index, chosen time period etc
– Research on 15 NZ active share funds
– Conclusion: passive is a better choice
Q&As:
– Treasure hunt: Could this old term deposit be worth a fortune?
– A couple of worries about a share investor’s confidence
– “Spend while you can” says reader’s adviser
– Too few women in the Business Herald?
– One reader appreciates her real estate agent’s work …
– … While another sold easily without an agent
Q&As:
– Are you an over-saver?
– Employer super contributions not always at employee expense
– Sydney house sellers share building inspections with buyers
– A warning about LIMS, and a worry about building inspections
– Leaky home owner’s tale of woe with building inspection
– Another way to help students financially
– Haircut weirdness continues!
Going through our Lucky 13 Money Quiz
– Questions and answers to online quiz for Money Week
– Discussion on the harder ones
– The one question few people got right — about house prices