NZ Herald 3 April 2010
Q&As: Some rays of hope for landlord who has lived through a nightmare of things going wrong; Three landlords are angry with me and/or the government for various reasons.
Q&As: Some rays of hope for landlord who has lived through a nightmare of things going wrong; Three landlords are angry with me and/or the government for various reasons.
Wanted: better insurance against outliving our savings. Imagine you’re heading into retirement. You’ll get NZ Super, but you also have savings in KiwiSaver or elsewhere. You would like to spend that money over the rest of your life and leave the house to the kids. But — not knowing how long you will live — how can you decide how much to spend each year?
Q&As: Why do people pick on landlords?; What tax breaks do rental property owners get that others don’t get?; Why some accountants’ advice to repay mortgage before joining KiwiSaver is wrong.
Q&As: Why it wouldn’t work to make tax changes for rental property apply only to people who buy property after a certain date; Landlord retaliation probably won’t last long; Holding people accountable for giving bad KiwiSaver advice — and lining up a partner to also get the first home subsidy; How might people with private pensions be compensated for rise in GST?
Q&As: Mum will probably never embrace KiwiSaver, but there’s hope for her son; What happens to KiwiSaver if you are made redundant; Last week’s column left a reader confused about tax rates.
KiwiSaver neither guaranteed nor ghastly. Recent news suggests New Zealanders are poles apart on KiwiSaver. Some think the scheme is safer than it is. Others are leaping to ridiculous conclusions about how unsafe it is.
Q&As: How will superannuitants fare under proposed tax changes?; Should young couple invest their savings in a rental property while overseas?; Two Q&As about children and the KiwiSaver tax credit.
Q&As: KiwiSaver trustee change raises questions about how much trustees protect members; Hazards of dealing with an overseas sharebroker; What’s the difference between investing and gambling?
Readers react over GST. Two readers sound angry about my last column about GST. Some of their points are valid, but over all I think they just didn’t “get” it.
Q&As: Paying off mortgage — and getting rid of badly undiversified portfolio — are two great ideas; KiwiSaver can work well for student; Laying out the details on KiwiSaver exit fees; Buying shares directly from overseas broker cheaper in short run, but may not be wise.