Q&As: Ask your bank for a higher term deposit rate; How reader got around Genesis Energy share scaling; Genesis share profits likely to be taxed; Donate tiny share parcels to charity; 2 Q&As on advice for woman wondering whether to renovate or sell.
Q&As: Do the banks tend to raise term deposit rates as much as mortgage rates?; Some worries about compulsory KiwiSaver; Did ‘Mum and Dad’ investors get a raw deal on Genesis Energy shares?; An alternative to painting the house — for last week’s correspondent.
Q&As: Single mum can’t decide whether to renovate or sell; How come some seemed to get more Genesis Energy shares?; No I won’t give info on gold savings plan; What might be behind gold plan?; How many employers stop KiwiSaver contributions at 65?; Is employer playing fair with KiwiSaver contributions?; Complications for some self-employed in KiwiSaver.
Q&As: Gold plan will make us all rich — or will it?; Do Chinese buyers of NZ houses get cheap mortgages?; How KiwiSaver works for the self-employed.
Q&As: The time it takes to get money out of fund is ‘outrageous’; Can NZ advisers and fund managers do better than the market as a whole?; How and when to bring money back from Australia; How a landlord can analyse whether a property is a good investment.
Q&As: How to tell if an investment — beyond low-risk KiwiSaver funds — is fairly safe; Should woman sell rental and enjoy the proceeds?; Can reader use Dad’s KiwiSaver for own benefit?; Lenders may help with first home deposit timing problem.
Q&As: How about just paying tax, instead of moving house to avoid paying it?; Beneficiaries can join KiwiSaver, and shouldn’t feel they’re not entitled; Last week’s lead Q&A overlooked costs of home ownership…; …and the limits to how KiwiSaver first home money can be spent.
Q&As: 60 is not too old to get a mortgage and buy a first home; Buying a home is not the only way to financial security; Don’t overlook tax if buying a rental with the aim of selling at a profit; Want to free up money? Try moving to Tokoroa; Just one bank and one finance company respond to term deposit challenge.
Q&As: Think before investing in a rental with a relative, especially in your 60s; A challenge to the banks about term deposit comparisons; Is share brokerage deductible? Be careful what you wish for!; Couple do really well in KiwiSaver, although it’s partly good luck.
Q&As: Laddering helps with term deposits, and we’ll have to learn to live with rule changes; High-quality bonds an alternative to term deposits; Can an employee join KiwiSaver without employer involvement?