NZ Herald 17 November 2007
Q&As: Why don’t banks lend money for share investment?; 2 Q&As on how you can best help your grandchildren (or children) into KiwiSaver; Christmas gifts for those who really need them.
The Investor 13 November 2007
Preparing for a possible property price plunge. The volume of house sales is slowing. Houses are taking longer to sell. And some apartment prices are falling. What if house prices are next to fall?
NZ Herald 10 November 2007
Q&As: Is now a good time for a 36-year-old to buy a house? And if so, should it be a bigger house, so she can take in tenants?; Four Q&As on how KiwiSaver works — or doesn’t work — for those living overseas or planning to live overseas.
NZ Herald 3 November 2007
Q&As: Why does the price of our milk rise when overseas demand goes up?; How and when to take a KiwiSaver contributions holiday — for children and adults; Two Q&As on KiwiSaver tax credits and timing.
The Investor 30 October 2007
Can’t afford KiwiSaver or saving elsewhere?: You should still join. Close to half of New Zealanders 18 and over who haven’t yet retired say they are unlikely or very unlikely to join KiwiSaver, a recent AMP survey shows. But a glance at their reasons for not joining suggests they don’t yet understand the scheme’s flexibility. They are missing out needlessly.
NZ Herald 27 October 2007
Q&As: Twenty-eight-year-old with two rental houses wonders if this is a good time to buy a rental apartment; Difficulties finding a KiwiSaver provider to accept tiny contributions from low-paid worker; Saving kiwis.
NZ Herald 20 October 2007
The Other B Word. Budgeting is rather like eating healthily or exercising. Some people like to do it, but for others it’s a chore. And for many it’s a source of guilt. They think they should do it, but they don’t. This article could be yet another telling the laggards how they will be much better people if they keep track of all their spending. But that’s hardly likely to make any more difference than other such articles. As poet Robert Frost wrote: “Nobody was ever meant, to remember or invent, what he did with every cent.”
The Investor 16 October 2007
KiwiSaver survives readers’ challenges. It must be the noisier people who criticize KiwiSaver on the grounds that they don’t trust the government. Such mistrust has been a common theme in readers’ letters. And yet a recent AMP survey of non-retired people 18 and over shows just 3 per cent of those unlikely to join KiwiSaver say it’s because they don’t trust the current or future government. I was surprised, too, that only two readers responded to the challenge in my last column “to come up with a government change — that’s at all likely to happen in a democracy — that would make KiwiSaver members regret having signed up now.”
NZ Herald 13 October 2007
Highlights from Holm Truths. For a few weeks, this column is running highlights from Mary Holm’s quarterly newsletter Holm Truths. Mary’s regular Q&A column will resume on October 27. STAY AWAY: New Zealanders’ increasing tendency to travel overseas is a wonderful development. We enjoy it, we learn tolerance and we pick up ideas — ranging from what to eat to how to make a living. The trend has made us all more aware of the changing value of the Kiwi dollar. When it rises, we perhaps take a longer or more expensive trip. But when it falls, we don’t all stay home. Some of us modify our plans; others carry on regardless, maybe spending less on other items. Over the years, too, we’ve become more likely to own international shares — directly or by investing in a world share fund or a managed fund that includes international shares.
NZ Herald 6 October 2007
Highlights from Holm Truths. Over the next few weeks, this column will run highlights from Mary Holm’s quarterly newsletter Holm Truths. Mary’s regular Q&A column will resume on October 27. MORTGAGE MOVES: You’ve probably got the message by now: It’s a great idea to pay off your mortgage as fast as possible. Paying off a 9 per cent mortgage, for example, is equivalent to making an investment that pays you a guaranteed return of 9 per cent after fees and taxes. And it’s risk-free. But not everyone is in a position to pay extra off their mortgage. There are other ways you can make the big loans work better for you. Here are some FAQs…