Q&As:
– Reassurance for share owners — based on holiday home value
– 2 readers worry that their bank savings are in danger
– Clever timing with KiwiSaver moves unlikely to work out well
Plus:
– A note to other concerned correspondents
Bank term deposits might not earn much, but sometimes they’re the best option
They’re boring and they pay low interest. But bank term deposits are probably the best place to park money for a few months — or even a year or so. Anywhere else could be too risky…
Q&As:
– The 3 ways a reader has “chowed through” her mortgage
– It’s not wise to skip health insurance altogether
– Reader gives us a stats lesson, through Bonus Bonds
– Banks’ bonus savings products too complicated
– 2 readers tell of easy ways to give to charity
– No I don’t screen readers’ letters because of their attitudes
Q&As:
– Clever ways to make Christmas less expensive and more fun
– Who’s creaming it, the lawyers or the banks?
– Bonus Bonds give reader nothing over 48 years
– An argument against online donations
– Give now rather than in your will, reader says
– Reader reckons he deserves his pension, after paying for others
Plus:
– List of charities offering meaningful Christmas gift programmes
Q&As:
– Bonus Bonds work well as on-call account …
– … But not so well as a gift for grand-daughter. Other options for her
– Means-testing NZ Super may cost more than it saves
– Lower-income retirees already get more
– Take care with charity donations in wills
– Tell charities how you want to be treated …
– … Here’s what to do if they ignore your requests
Q&As:
– What to do with a $200,000 Lotto win
– How does Inland Revenue handle Islamic banking?
– Drop in fund value explained
– 2 Q&As on handling charity donations after the donor dies
– Reader explains why millionaire could be aggrieved about NZ Super
– Another reader doesn’t buy my arguments on means-testing Super
– Is means-testing a far left idea?
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.
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.
Q&As: Comparing KiwiSaver funds with indexes a great idea — but can it be done well?; Compound interest starts small, but after a few years …; Pay down mortgage or invest elsewhere for children?; Don’t forget accommodation when weighing up investment in your home; Reader very happy with ASB service
Rainy Day Money: Why is it so important?; How much do you need?; How might you access the money — including through your mortgage; Where should you keep the money — if you haven’t got a mortgage.