NZ Herald 13 May 2017
Q&As: Would-be foreign exchange trader should give it a miss; Are credit cards sometimes tied to mortgages? Does it matter?; Young son might learn more than one lesson; Reader suggests ways to cut food bill.
Q&As: Would-be foreign exchange trader should give it a miss; Are credit cards sometimes tied to mortgages? Does it matter?; Young son might learn more than one lesson; Reader suggests ways to cut food bill.
Q&As: Couple in their 60s could still get back into home ownership — helped by KiwiSaver; Rest home subsidy rule unfair, but not easy to fix; Benefit helped reader turn around his life; NZ Super recipient shouldn’t pick on beneficiaries.
Q&As: Ignore misleading KiwiSaver salesman, but maximize your tax credit; Change to contributions holidays just a suggestion; 1970s house much more modest than today’s houses; Well done! — but take care about judging others’ spending.
Q&As: Adding to already huge mortgages is playing with fire; It’s not interest rates but mortgage size that matters; Lack of family communication leads to big debt…; …so do pushy credit card providers.
Q&As: ‘Ripped off’ reader should shop around rather than dropping life insurance; How to judge a KiwiSaver fund; Start small, and keep going; Help for woman with $100,000 in credit card debt.
Q&As: Rates postponement a good option for couple; Fraud investigator writes about scams…; …And so does a victim; Vanguard not the only US index fund option.
Q&As: Reader suggests an economist could explain unfair tax on term deposits and property investment; …And the economist does so; Shares work well for retiree; 3 ways another retiree could cut expenses; How to reduce the cost of a funeral; Debt-dodging daughter should attend a course.
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.
Q&As: How to let both daughters in on the deal; Did “holidaying” KiwiSaver miss out?; Could KiwiSaver money be grabbed because hubby’s running up debts?; Student loan repayments can continue into retirement; Some tips for last week’s separated woman.
Q&As: For the 17-year-old who has everything he wants: a course about shares; A free budget tool for readers to try; Woman on parental leave can still take part in KiwiSaver; Fees on retirement scheme way too high.