Q&As: Reader says column includes too much on KiwiSaver — which won’t work well anyway. Also, new ‘tool’ duds retirees; Is employer’s way of getting employees to basically pay their own KiwiSaver employer contributions legit?…; …Might such practices be outlawed? And how are political parties proposing to change KiwiSaver?; Family Budgeting Services could be a big help to a couple.