Q&As: A few phone calls can slash hundreds from insurance bills; We’re not all bad, says insurance adviser; “Freehold” doesn’t mean mortgage-free, and beware of leasehold property; Reasons for Auckland house price rise don’t rule out bubble; Meaningful Christmas gifts.
Q&As: Are “women’s gifting circles” legit?; Is bank financial adviser giving “best” advice?; KiwiSaver tax credits don’t cross the Tasman; Tips on getting more from a revolving credit mortgage.
Q&As: Do landlords take advantage of others less fortunate?; How KiwiSaver members are protected from losing their money; Inland Revenue got it wrong last week about interest deductions on family loans; Meaningful Christmas gifts.
Q&As: Ask your bank for a higher term deposit rate; How reader got around Genesis Energy share scaling; Genesis share profits likely to be taxed; Donate tiny share parcels to charity; 2 Q&As on advice for woman wondering whether to renovate or sell.
Q&As: Should people be forced to put some of their KiwiSaver money into an annuity?; Highly leveraged property investing is risky; An investor in both puts some perspective on shares versus property; Meaningful Christmas gifts.
Self-insurance eases the pain. Have you ever thought, as you pay hundreds of dollars yet again for car or house insurance that you never claim on, that it would be better to bank the premiums and use that money if something went wrong?
Q&As: Lessons from a bad managed fund investment; An older reader’s tips on money and life; Do parents commit their children to KiwiSaver if they sign them up?; Meaningful Christmas giving.
Q&As: Repeated property do-ups unlikely to bring tax-free gains; Are shares really better in the long term than property or bank deposits?; Reader is confused over KiwiSaver first home subsidy price limits; Sleepless nights over a charity donation.
Q&As: Use accessible KiwiSaver money to repay credit card debt, and probably mortgage too; What exactly does growth in GDP mean?; 3 readers are unhappy with charities asking for more…; And a fourth points out how complicated it can get; An error last week about donations to St Johns?; Reader happy with his healthcare insurance.
Q&As: Tax rebates worth having — but are some charities greedy?; Some health insurance might be too lean and mean; KiwiSaver employees over 65 should ask the boss to keep contributing; Is KiwiSaver balance likely to go backwards after retirement?