Q&As: How much financial support a reader gives their student son; Two banks offer mortgages that get around problems with revolving credit loans; An accountant’s offer boosts reputation of the profession; Two Q&As about means testing of NZ Super in some circumstances, and how KiwiSaver fits in; Yes, there are plenty of companies that don’t pay dividends.
Q&As: A disadvantage of revolving credit mortgages — it can be hard to keep track of your money; Should John Banks and co. have shared the profits on the sale of their KiwiSaver scheme with members?; The one situation in which NZ Super is affected by your KiwiSaver account; A call for info about student spending.
Q&As: Teen busker should be filing a tax return; Reader shows how not to choose a KiwiSaver fund; Voltaire quote last week hit the spot; Researcher reports on surprisingly high chance of ending up in a rest home.
Q&As: Parents hoping to deduct payments to baby for “working” for them are dreaming; Tax dodgers and protesters aren’t in the same camp; Couple in sixties should grab the chance to get their own home; Why returns are disappointing on KiwiSaver cash funds.
Q&As: Calling all KiwiSaver providers: Please let us know if you have plans to offer annuities or similar; Other payout possibilities for retired KiwiSavers; Couple who have returned to NZ but still own UK house should sell it, buy here and get on with enjoying life; Dwindling children’s KiwiSaver accounts possible but unlikely.
Q&As: Retired couple with house in Christchurch’s red zone have several options to weigh up; Three Q&As about KiwiSaver for children and grandchildren; One adviser firm accepts pay-for-performance fees, at least to some extent.
Q&As: Reader wants to pay financial adviser according to performance, but advisers not so keen; Adviser’s reason for putting clients into finance companies is not good enough; RFAs — registered financial advisers — must also operate under stricter rules; Grandma might want to put conditions on financial help for student grandchildren.
Q&As: You need to compare rental properties and share investments on the same basis; How does KiwiSaver work for kids, and will the parents “trap” them into something they won’t want as adults?; Should we look at house prices versus household income, rather than individual income, when looking at affordability over time?
More reasons to get young into savings accounts. An article I read recently made me more convinced that it’s good to sign up children into savings accounts.
Q&As: The “I can’t afford it” excuse for not joining KiwiSaver just went out the window — plus other points about kids and KiwiSaver; Are managed share funds a crock?; Here’s hoping a recent correspondent is not a regular reader of this column!; A book, online tool and language trick for overspenders and their partners; You must be under 65 to join KiwiSaver, but can take part in the scheme after that age.