Winning questions. The best 5 listeners’ questions are answered on air, and the questioners receive a copy of Mary’s new book. Their questions cover: Is house out of reach for couple in their 30s?; Ways to get value from your house in retirement; Which debt should you pay off first?; Couple worry about investing in Auckland apartment; How a beneficiary should handle an inheritance.
Q&As: Should couple — with a possible baby soon — sell their rental?; What about another couple with teenagers, and an offer for their rental unit?; Real estate agents advises against quick sales, among other things; Government considering change to KiwiSaver employer contributions after 65; Reader is disgusted with teacher’s letter; Don’t overlook tax when comparing debt repayment with investing.
Does Christmas have to be like this?: First — an early thought about a new year’s resolution; Survey findings on Christmas spending; Survey findings on Christmas financial stress; Things to think about this Christmas; Other ways to do it.
How to best deal with a student loan: Possible psychological effects of having a loan; The best strategy financially; What happens if you go overseas?; Does having a student loan make it harder to get a mortgage?; Is the student loan system a good idea?
How to invest $10,000: Inheritance? A win? Goal achieved? Celebrate!; Repay high-interest debt; Emergency fund; Repay mortgage; Investment — how long? risk tolerance? In KiwiSaver?; Short-term; Long-term scared; Long-term brave.
Why shares are the new houses for Generation Rent: A listener’s letter — well done on debt and saving!; How much should renters be saving?; KiwiSaver’s role; Where to put the savings; Where to get advice — banks? advisers?
What to tackle first: Credit card debt, mortgage or contributing to KiwiSaver? Part One: First get rid of credit card debt; Paying down mortgage is also great; Why contributing to KiwiSaver is so good; Best way to save for first home — and for some previous home owners.
Q&As: Warning to people on OE who are claiming KiwiSaver tax credit; People overseas can still contribute to KiwiSaver; Emergency money and paying off mortgage top priorities for reader; Sign up disabled son for KiwiSaver?; My KiwiSaver tax comment not strictly correct.
Q&As: Million-dollar savings goals do more harm than good; Retirement expectations rise and so should saving; Don’t like one housing forecast? Here are some more; Several NZ passive fund providers.
Q&As: Mum objects to teenager being offered credit card; Newish Code places more responsibility on lenders; Another reader has trouble extending credit card limit; Help for people struggling to pay rates.