NZ Herald Q&A Column

NZ Herald 5 October 2019

Q&As:
– Reverse mortgages risky in early retirement
– Last week’s correspondent probably meant rental losses are now ring-fenced
– Tax system lacks integrity, here and in the UK
– Did I muddle money and percentages last week?
– Another idea for couple moving to Coromandel but wanting an Auckland option

Read More

NZ Herald 28 September 2019

Q&As: Holders of small student loans are better off getting rid of them; KiwiSaver can add up over the years for self-employed and non-employees…; And also students; Mortgage interest still deductible on rental properties; People should check medical care before moving to smaller towns; Father and daughter celebrate Dad’s day in the kitchen.

Read More

NZ Herald 21 September 2019

Q&As: Father of 5 loses Working for Families money through accountant’s error; New website helps you find ethical KiwiSaver funds; Split money between KiwiSaver and non-KiwiSaver, and consider paying down mortgage; Share fund might beat mortgage repayment, but it might not; Self-employed need a better deal from KiwiSaver.

Read More

NZ Herald 14 September 2019

Q&As: Couple leaving Auckland shouldn’t worry about being unable to get back into that housing market; 96-year-old still saves — and likes visits more than presents; One reader thinks 88-year-old should spend as he pleases…; Another worries the granddad is being exploited …; And another says it’s important to talk to the elderly about money; Why shouldn’t a retired person get a mortgage?, reader asks.

Read More

NZ Herald 7 September 2019

Q&As: How to help reluctant grandfather with his finances; Is insurance a rip-off, and therefore you should self-insure?; Now is the wrong time to buy or build — or is it?; Last week’s correspondent opens money conversation with his wife. Money Week theme: Talking about money.

Read More

NZ Herald 31 August 2019

Q&As: Husband — and reluctant wife — should make housing decision based on what they want; Could making gifts to family affect government help with rest home costs?; Where is government response on welfare overhaul? Plus: Message to Dads about Fathers Day.

Read More

NZ Herald 24 August 2019

Q&As: Newly divorced woman should buy house — because she wants to!; 2 Q&As on the best time to switch funds, which is when it suits you; AMP’s “woeful” long-term KiwiSaver returns, and what investors should do; You can’t “pay ahead” to get KiwiSaver government contributions.

Read More

NZ Herald 17 August 2019

Q&As: Reader timing market — but the better way. And making huge KiwiSaver contributions; 1% KiwiSaver contribution rate would help those on low incomes; MSD oppressive, says reader, but her points don’t all hold up; Reader thanks his Mum, MSD and me for getting good Super.

Read More

NZ Herald 10 August 2019

Q&As: How KiwiSaver works for someone on minimum wage; Reader using KiwiSaver money soon for first home shouldn’t be in growth fund; Suggestions for beneficiary who got inheritance …; … and a further question from him; Reader saddened by last week’s comment on beneficiary.

Read More

NZ Herald 3 August 2019

Q&As: Don’t move your money because of Brexit fears — or any other fears; KiwiSaver details for those turning 18 or 65; Your bank isn’t necessarily your best KiwiSaver provider. How to find out; “Unlucky” reader lucky she took out loss of income insurance; Reader giving non-beneficiaries a bad name; Suggestion for last week’s beneficiary not good for two reasons.

Read More