Q&As:
– Should rents be increased?
– … or capped?
– KiwiSaver for teens
– No KiwiSaver winners in Budget? — but better rates rebates
– Home help for the elderly
– 2 letters on health insurance excesses
– Reverse mortgage on an apartment?
Q&As:
– Gold not the answer for this reader
– “Should I or shouldn’t I reduce risk?”
– Couple’s tax idea not fair
– A reverse mortgage in a retirement village?
– Can move KiwiSaver overseas with you
Q&As:
– Home ownership v shares
– KiwiSaver funds beat inflation
– Deposit compensation list released
– Should woman borrow more than she needs?
– Where to get into on reverse mortgages and home reversion
– Boost KiwiSaver contributions any time
– Shorter questions please
Q&As:
– How to be fair with gifts to children for home purchases
– When share investments might not do well over a decade
– Challenging a family trust distribution
– Why reverse mortgage interest rates are higher
– A mortgage fund versus term deposits
– Winners in book giveaway
Q&As:
– He quit KiwiSaver before the downturn, but what now?
– Conservative fund versus term deposits
– Finance company interest rates after Depositor Compensation starts
– Wisdom from her Scottish forebears
– An alternative to reverse mortgages….
– … and the 2 options compared
– WIN A BOOK!
Big rates rise? Consider rates postponement
– Some councils offer for everyone, others just for those on lower incomes
– Frees up money for expenses — or fun!
– You pay no rates, but owe your council the money — pay back when you sell house or die
– Some fees plus compounding interest, but house value should grow more than debt
– Check your council’s website
– Another idea: pay smaller amounts more often
Struggling to pay rates? Try a rebate or postponement:
(First: A comment on National’s proposed KiwiSaver changes)
– People facing big rate rises
– Different councils’ offerings
– Rebates for people on low incomes
– Postponement in some cases for everyone
– How it works
– How to get help with this
Q&As:
– Where can 16-year-old get term deposit in their own name?
– The perils of guaranteeing an adult child’s mortgage
– Budget adviser likes reverse mortgages
– Colourful quotes from Bernard Baruch
Plus:
– Your story about switching banks
Q&As:
– Wobbly markets don’t mean you should sit on the sidelines
– Reader unhappy after following my advice
– Tips for nervous investors
– Best KiwiSaver plan after first home purchase
– Use a reverse mortgage to help son?
– A reader’s story: Learning to appreciate market downturns
Q&As:
– KiwiSaver provider’s ad looks like cherry picking to me
– Retired couple should sell their rental property
– You can repay reverse mortgages any time
– Reader takes note of bank credit ratings when choosing term deposits
– A reader’s story: Surviving Covid jitters, and upping KiwiSaver and mortgage payments