Q&As:
– Australian share market moves like ours, despite industry differences
– One way to deal with Aussie shares if your partner dies…
– … And another
– Banks should teach their staff about laddering
– Is bank over-protective about credit cards?
Q&As:
– You don’t need to own a home to do well financially
– Get rid of Aussie shares says widower
– Reconsider insurance needs as your situation changes
– When switching KiwiSaver providers works best
Q&As:
– KiwiSaver gifts good, but make sure you treat the children equally
– I made a worrying assumption in last week’s calculations…
– … and what happens when inflation is included
– Trapped with low interest on your term deposits? Here’s a plan
– Another reader has trouble getting a credit card
– A warning about selling a home before you buy
– Reader could move to another environmental fund
– My key messages don’t change
Plus:
– Happy holidays!
Q&As:
– Drip feed or invest the lot at once?
– Credit cards harder to get in retirement
– Should 11-year-old get into direct investing in NZ shares?
– Mother of 7 gets degree — and comes out on top
– Would-be investor in rental property shouldn’t count on gain
Plus:
– Meaningful Christmas Gifts
Q&As:
– A classic too-good-to-be-true offer
– KiwiSaver government contributions to some over 65s? No — let’s make it beneficiaries
– Mortgage paydown probably better than buying shares
– Let’s get this widow mortgage-free before retirement
– Reader unhappy with te reo in last week’s column
Some shocking results in survey on New Zealanders’ finances
Canstar Consumer Pulse Report 2022:
– More than half spend more than they earn — especially young
– 2/3 don’t have enough rainy day money
– Nearly ¼ don’t save anything
– Only 45% are debt-free, excluding mortgages
How you might change your habits.
Q&As:
– So you’re a millionaire? Big deal!
– Moving KiwiSaver provider in volatile times
– Which to pay off first — student loan or mortgage?
– Charity unhappy with last week’s wording
– An offer for those setting up scholarships
– 3 NZ Super recipients are unhappy with the rules
Q&As:
– Covid-hit couple struggle to get a loan …
– … while another family finds solutions
– Short-term share performance is irrelevant
– Get used to volatility or move out and stay out
– 45 financial rules
Buy now pay later — good or bad?
– What is it, and how does it work?
– Some examples
– Who uses it most, and what are they buying?
– Growth in use
– Problems, and consumer protection issues
– How to use it well
Emergency — or rainy day — money
– But first — win a copy of Mary’s new book!
– Make emergency money your second to top priority
– When things go wrong…
– How much do you need?
– How to set up saving for this
– Where to keep the money
– Use your mortgage?
– Charity fund?
– If you use the money, top up again!