Q&As:
– Buying a rental not a good idea for 69-year-old
– A way for kids’ KiwiSavers to grow fast
– Fund closures worry a reader
– Trusts and other depositors covered by compensation scheme
– Smart device required for this bank account
Q&As:
– Where to put proceeds from downsizing house
– Consider non-banks for term deposits — but is it easy?
– 2 Q&As on the best way to do health insurance
– Fairness and KiwiSaver contributions to over-65s
– Employers’ role in KiwiSaver
– … and one former employer’s good approach
Tips on buying a house or apartment
– Now it’s a “buyers’ market” — but don’t try to time markets
– Get a LIM — important info
– See property at different times
– Check the neighbourhood
– Online valuations
– Building inspection
– Negotiating — including auctions
– Very important: be prepared to walk away. There are always other good houses!
Q&As:
– Deposit compensation up and running
– What if someone pulls out of the scheme?
– KiwiSaver total remuneration defended
– What’s fair for over-65s in KiwiSaver?
– Total remuneration tempts people, who will later regret it
– Best way to self insure for health costs
– Couple has been lucky with health — so far!
Q&As:
– Biggest KiwiSaver provider ANZ’s policy not good for employees
– Couple are perfect candidates for reverse mortgage
– Are health insurance premiums negotiable?
– Some fans of health insurance
Renters — are you a financial failure if you don’t buy a home?
– Changing attitudes to renting for life
– Are you financially worse off renting?
– Worry about being kicked out
– Other negatives of renting
– Positives of renting
Q&As:
– Good way to help family members with a mortgage
– Don’t try to predict share crashes — it doesn’t work
– 2 Q&As on why you may not need health insurance
Plus:
– Scam warning
Q&As:
– A way to build family wealth
– When a couple of percentage points matters
– Don’t drop health insurance …
– … how much in savings do you need if you do?
– When you should and shouldn’t switch risk level
– Timing markets not as easy as it sounds
Emergency (or rainy day) money — how much? And where?
– Lack of fund is source of stress
– Priorities with your money
– How much?
– Where to save — including idea for those with mortgages
– How to build a fund
– A “charity fund”?
– If you use the money…
Q&As:
– Why rental property is not a great retirement investment
– What about commercial property?
– How to handle money when husband going into care
– Help available for the retired
– Rule of 72 — when debt doubles