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:
– Million-dollar mortgage is quite enough
– Weighing up investing versus extra mortgage payments
– Mortgage adviser can tell reader if she can make home ownership work
– KiwiSaver performance fees come with worries
– Experienced landlord gives us the numbers
Q&As:
– Where to keep money for jewellery while awaiting Italian trip …
– … And where to keep it while awaiting a house purchase
– Give money to grandkids rather than their parents
– Invest a lump sum now, or wait?
– A few more “money rules”, and a source revealed
– Good Samaritan helps out last week’s struggling tourism operator
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
Money and couples — Part 2: Survey results, and how to do it well
NZ survey:
– Young are worse
– All income groups
– Causes of money problems
Research on successful relationships:
– Debt
– Equal access
– Talking to one another
– Large purchases
Q&As:
– Should young woman invest or concentrate on repaying student loan?…
– … And is her situation like last week’s beneficiary who inherited $1.5 million?
– 2 more readers angry with beneficiary
– In defence of a criticised headline
– How another beneficiary handled her inheritance
– Borrowing to invest in companies that, themselves, borrow
– 2 readers comment on last week’s Q&A about high KiwiSaver fees …
– … And another one jumps the gun on new low KiwiSaver fees
Q&As:
– Reader’s KiwiSaver fees are highway robbery!
– Are banks better KiwiSaver providers?
– Beneficiary must declare big inheritance
– Got a mortgage and investments? You are effectively gearing
Plus:
– New KiwiSaver default funds are a great new option for many
Q&As:
– Reader wants to invest specifically in oil and gas industry
– Crash prediction didn’t happen
– 2 letters on investing in shares only if you have a 10-year horizon
– Longer vs shorter mortgage, and paying down mortgage vs investing
– KiwiSaver government contribution as you turn 65
– Are KiwiSaver fees tax deductible? And what are all those fees?
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
Managing your mortgage
– Survey: Half people with mortgages are ahead on their repayments
– Penalties on repaying fixed loans early
– Why being ahead is good news: retirement savings, security, goal setting, easy “investment”
– But is this best thing to do with spare money?
– The future: rising interest rates, what to do if you can’t meet payments
– Best strategy: fixed or floating? Several terms?