Buying a first home — after loss of KiwiSaver grant
– But first: a comment on Budget tax cuts — try to save that money!
– KiwiSaver still best for first home saving — despite loss of grant.
– Other help with buying first home…
– … Or rent long-term, while saving hard.
– Where to invest your long-term savings?
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
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
Q&As:
– A tip on teen spending
– Could growth of index funds ruin the share market?
– Do extra saving outside KiwiSaver
– Stay in high risk near retirement?
– Should capital gains be adjusted for inflation?
How women and men invest differently — the good and bad
– Women run everyday money better
– But financial knowledge gap increases with age
– Retirement savings gap
– Women trade less — good!
– But women take too little risk
– Good news on parental leave and KiwiSaver
Q&As:
– Drip feeding savings can really add up
– Sell the rental and earn more elsewhere
– Prepare for rental property disasters
– Couple has to pay the chauffeur!
– Envy or pride? Reactions to letters from the rich
– Lunch out on NZ Super
– Everyone should have enduring powers of attorney (EPAs)
– Would a maximum tax be good?
– Decimal currency ripped off kids!
Q&As:
– Do fund managers “do nothing but take fees”?
– A good alternative to KiwiSaver hardship withdrawals
– Switching to a cheaper rental property has its pluses
– Control inflation by raising KiwiSaver contributions?
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
Q&As:
– Life insurance is usually for more than the funeral
– How to run elderly relative’s finances
Plus:
– Upside Downside: Risky behaviour: Expecting past performance to continue
How much insurance should we have?
– Email from listener: Do we have too much insurance?
– Attitudes to insurance
– Types of insurance
– Keeping insurance costs down