Banking in tough times — how we’re doing, plus payee confirmation coming at last!:
– How many apply for hardship
– How we run our credit cards
– Types of mortgages — what’s best?
– Use of term deposits
– Payee confirmation — see who you are paying online
How is your financial wellbeing?
– Produced by Te Ara Ahunga Ora Retirement Commission
– Doesn’t test financial knowledge, but how well you are coping with your money
– Brief discussion of what’s behind the questions
– If you want to read the quiz, go to the Te Ara Ahunga Ora Retirement Commission website
Q&As:
– A not-so-happy Lotto millionaire
– KiwiSaver rules when overseas…
– … And the same for NZ Super
– Family needs legal advice about Dad’s new wife
– Are Healthy Homes rules for rentals good?
A big chance to make big progress with your mortgage
– When your mortgage rate falls, stick to your old payments
– Save big money on total interest paid
– Pay off your mortgage years earlier
– Use the mortgage calculator on Sorted
– A listener who is using his tax cut to reduce his mortgage
Q&As:
– Grandpa teaches money in a fun way
– Ideas for term depositors facing lower interest
– When to switch KiwiSaver providers — and when not to
– Far away rental could be worrying
– Making the most of tax cuts and mortgage interest cuts
Q&As:
– Worried about losing your job?
– Retirement costs in New Zealand…
– … or you could move overseas
– Better uses of credit card rewards
– Alternative to health insurance?
– Public v private health care
The high cost of not contributing to KiwiSaver:
– Who can take contributions holidays?
– How badly a break cuts your retirement savings
– At least put in $20 a week
– What if you have debt to repay?
Q&As:
– 2 Q&As on whether to sell investments to pay down debt
– Should family use more than one KiwiSaver provider?
– How bitcoin and gold are taxed
– Let’s stop tax bracket creep
Repaying debt — student loans, mortgages and high-interest loans — what to do when
– Watch spending over Christmas and holidays
– What is wealth — and why it’s like a tank of water?
– Water into tank (savings) versus water out (interest on debt)
– Applied to high-interest debt, mortgages and student loans
Plus:
– Follow-up to last time. Simplicity improves its rating
Q&As:
– Tips for a 26-year-old on how saving for a home
– A 50% house price drop? 30% has happened
– Changes strengthen landlord argument
– Tough gifting rules for elderly care subsidy
– One way around the care subsidy rules?
– Divorce not the answer unless real