Q&As:
– Boys’ KiwiSaver first home savings should work well
– No clear answer for family’s mortgage dilemma
– What if that cheque had been bigger?
– Reader can still call it a “cheque” account!
– Challenge on PIE tax only partly right
Q&As:
– Time to accept that cheques are a thing of the past, and learn online banking
– “What’s that?” — the young ask about a cheque book
– For short-term money use term deposits or a cash fund
– Reader misses the point about fun element in Bonus Bonds
– One bank offers car and cash prizes on savings
– How to seek refund if you’ve overpaid tax on NZ Super
Q&As:
– Rule shows how long it takes for an investment — and a debt — to double
– One reader quits Bonus Bonds for term deposits…
– … While another suggests a way to keep the fun rolling on
– Bonus Bonds exit annoys businessman
– Move from term deposits into KiwiSaver fund ups the volatility
– Better to leave the money in two countries than one
Plus:
– Your questions, a webinar and a guide to investing
Q&As:
– If it looks like a scam…
– How to work out return on an investment
– Where to put the grandkids’ Bonus Bond money
– Bonus Bond investor seeks another fun investment
– Readers seek details about NZ Super payments
Q&As:
– Are you getting as much NZ Super as you should be?
– KiwiSaver withdrawals are tax-free
– Reader “finds” $45,000
– ASB and ANZ still not offering offset mortgages
– Bonus Bonds payout for people overseas
– FMA is watching ANZ on Bonus Bonds
– Unlikely someone else will start Bonus Bonds lookalike
Q&As:
– Compound interest can do astounding things over long periods
– Could helping adult children through an offset mortgage leave parents in the lurch?
– How do others on average incomes save for a house?
– The risks for Bonus Bond holders in waiting for the wind-up
– What if you think your deceased relative had unredeemed Bonus Bonds?
Q&As:
– Bonus Bond holder may as well continue the gamble
– No, you won’t benefit if other Bonus Bond holders can’t be found
– What good is KiwiSaver for the self-employed?
– Young mum cut out of the action by husband’s trust
– Several ways around trust problem if one spouse dies
– Trusts have become “a charter for crooks”
– Reader gets new hope from last week’s column
Q&As:
– Solo mum should check out government help on buying a first home
– Advice for last week’s reader with $1.5 million in the bank — give some away…
– … And put the rest in more than one bank
– Should couple’s KiwiSaver accounts be with different providers?
– The law on relationship property after a couple splits — and how to contract out
Q&As:
– When family trusts cut new partners out of assets, please talk about it
– Self-employed person should keep contributing to KiwiSaver
– Should reader send money back home to NZ from Canada?
– 3 choices for man with extraordinarily bad luck with money
Q&As:
– A clever way to reduce mortgage risk a little
– Westpac denies age discrimination in mortgages
– Boomer vents about NZ Super, but misunderstands
– How to keep inheritance away from separated sister-in-law