RNZ Radio 4 February 2016
Listeners’ questions on setting financial priorities: Quick summary of last week’s segment; Listener’s comment on repaying your mortgage; Listener questions on KiwiSaver; Listener questions on non-KiwiSaver funds.
RNZ Radio 28 January 2016
Setting financial priorities — Best thing to do with excess cash: the rule about repaying debt versus investing; Applying this to: credit card and other high-interest debt, mortgages, student loans; Top priority for all: repay credit card debt. Next priorities: If you don’t own a home; If you have a home with a mortgage; If you have a mortgage-free home.
RNZ Radio 21 January 2016
Goal setting and the B word (budgeting). Goals should be SMART — specific, measurable, achievable, (w)ritten, time-bound. The goal habit: If you save before a trip, buying a car etc you can have many more trips and cars. Tips on goals. Budgeting: Firstly estimate spending in different categories, then keep track for a while; Tips on budgeting; Robert Frost poem; Emergency money; Help with budgeting: familybudgeting.org.nz.
RNZ Radio 17 December 2015
Insurance: Why it’s best to be “ripped off” by insurance; Key info on life and disability insurance (who needs it? how much?); Other types of insurance: Income protection; house and contents; car; travel; health (what they are, and how much?); Which company?; Cost cutting tips; What to do after a car crash; A comment on insurance fraud.
RNZ Radio 10 December 2015
How overconfidence can make you poorer (and other psychological aspects of investing): Applies to shares, property, fixed interest etc; Which gender?; Overconfidence leads to — 1. Too little diversification, 2.Frequent trading; What to do instead; Many women have their own problem — too little risk; Other ways emotions affect investing.
RNZ Radio 3 December 2015
Too good to be true?: Warning signs of a scam — Who are victims?; Warning signs; False friends — features that make you think you’re OK; What to do if you’re suspicious; What to do if you’ve been ripped off.
RNZ Radio 26 November 2015
Are you in the best KiwiSaver fund for you?: 1st question: which type of fund is best; Then ask which provider; It’s easy to change funds AND providers. Some unusual KiwiSaver funds to consider.
RNZ Radio 19 November 2015
Getting through Christmas without going broke. Also, the big spender and the big saver. For big savers, Christmas is no problem. But there’s a downside. More later… Turning to the big spenders: What really makes the kids happy?; Ways to cut back gift giving; Tips on shopping wisely; Meaningful Christmas gifts; Spending lots on food and booze. Back to the big savers — a challenge for them (Includes lots of suggestions from listeners).
RNZ Radio 12 November 2015
Two issues: Is home ownership the only way to go?; And ethical investing. Firstly, a bit more on children and KiwiSaver. Put in $1000 yourself, or don’t sign them up! 1. Is home ownership the only way to go? — You can instead save lots to cover accommodation in retirement; Home ownership is declining; Owning vs renting — Pros and cons of each option. 2. Ethical investing — What is it?; Possible problems; Are returns higher or lower?
RNZ Radio 5 November 2015
KiwiSaver for children and younger people: 1. Under 18s — Differences in KS for under 18s; Should you sign up a baby or child under 18?; Should you make contributions to a child’s KS account? 2. Over 18s — Best way to save for first home; KS help for first home buyers — 2 aspects. 3. Which type of fund for the young?