Laddering — a clever way with term deposits and perhaps your mortgage
– What is laddering?
– Who might be affected?
– Why do it? — gives longer-term returns on deposits (which are usually higher); frequent access to some of your money; some protection from bad luck with timing.
– How it might work with a mortgage
Setting up emergency money
– Many NZers don’t have access to emergency money
– A good tradeoff — increase hardship but gain mental health
– Imagine your pay has been cut
– Where to put emergency money
– Make use of mortgage situation
How to complain about any financial service in NZ:
– What firms are covered
– The financial disputes system in NZ
– Free to you, and you don’t have to accept decision
– How they are funded
– What they do — and don’t do
– Your first steps to getting help
What we can learn from the Film Fraud Festival
– Insights from the films and panellist talks
– Warning signs to watch for
– How to check if a company is legit
Unusual KiwiSaver investments
– What are aggressive funds?
– 7 unusual ones
– Who might want to invest in these?
Are KiwiSaver default members getting a bad deal?
Plus: How does everyone know how well their KiwiSaver fund is doing?
– Big variation in default fund performance and fees
– A possible solution
– Problems with benchmarks for all KiwiSaver funds
– A possible solution
– Based on a paper you can read at tinyurl.com/RussellKiwiSaver
A non-financial topic: What it was like during and after Cyclone Gabrielle if you had:
– No power
– No running water
– No communications — phones, emails, texts, internet etc
– No way out of your community
Spending that makes you happy
Research tends to find the following spending brings the most happiness:
– Getting rid of money worries — paying off debt, getting insurance etc
– Experiences — events, travel ….
– Changes that give you more time — hiring others to do tasks etc
– Beautiful things — art, plants etc
– Spending on others — charity, shouting a friend, gifts
Worrying numbers about over 65s’ finances, and what might be done about it
– Stats on over 65s’ income and home ownership show decreasing trends
– What to do about it
– A KiwiSaver push for beneficiaries?
Listeners tell us who they think needs financial help
Entries into our Christmas book giveaway on who you would give my two latest books to, and why
– Themes running through the entries, examples and comments
– The winners