Q&As:
– Getting KiwiSaver off to a good start in your 20s
– Clever tax idea not so clever
– 2 Q&As on rental mortgage interest deduction
– “Little old lady” phrase disliked…
– … But another reader is happy
– Disappointment about laddering
Q&As:
– Keep investing, or get rid of that debt?
– Super Fund result doesn’t put me off passive funds
– Some readers dislike last week’s chauffeur letter…
– … While others love it
– Using tax loopholes “not open to criticism”?
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:
– Rental is draining couple’s money. Should they sell?
– A reader and I disagree over tax
– Paying tax “buys civilization”
– What about the kids in the lolly shop?
– More info on how much you can spend in retirement
– 6 Q&As about people discovering unclaimed money
Q&As:
– Not every treat costs money
– How to spend more
– What happens to government KiwiSaver contributions when you head offshore
– A high-growth fund as you approach retirement?
– Try not to drop health insurance
Q&As:
– A reverse mortgage that hasn’t gone well …
– … But it might work for this reader
– A great tip on how to get more on your term deposit
– Buying shares is much cheaper these days
– A reader’s story: Many wise moves, and a great attitude
Q&As:
– One reader may be overdoing diversification…
– … While another may be underdoing it
– KiwiSaver fund reports 70% return
– Banks soon moving to 365-day money transfers
– Media should have warned of house price fall, says reader
– Rosie Robot misbehaves again
Spending that makes you happy
Research tends to find the following spending brings the most happiness:
– Getting rid of money worries — paying off debt, getting insurance etc
– Experiences — events, travel ….
– Changes that give you more time — hiring others to do tasks etc
– Beautiful things — art, plants etc
– Spending on others — charity, shouting a friend, gifts
Q&As:
– How solo mother can survive mortgage rate rise
– Check out all of a bank’s offerings
– Okay to raise your risk in falling market — and it’s not falling anyway
– KiwiSaver fund not doing as badly as reader thinks
– Help offered from a robot…
– … But it’s too late!
Listeners tell us who they think needs financial help
Entries into our Christmas book giveaway on who you would give my two latest books to, and why
– Themes running through the entries, examples and comments
– The winners