Q&As:
– Where to keep money for jewellery while awaiting Italian trip …
– … And where to keep it while awaiting a house purchase
– Give money to grandkids rather than their parents
– Invest a lump sum now, or wait?
– A few more “money rules”, and a source revealed
– Good Samaritan helps out last week’s struggling tourism operator
Q&As:
– Should young woman invest or concentrate on repaying student loan?…
– … And is her situation like last week’s beneficiary who inherited $1.5 million?
– 2 more readers angry with beneficiary
– In defence of a criticised headline
– How another beneficiary handled her inheritance
– Borrowing to invest in companies that, themselves, borrow
– 2 readers comment on last week’s Q&A about high KiwiSaver fees …
– … And another one jumps the gun on new low KiwiSaver fees
Q&As:
– Reader, 95, could become the little old lady of online share traders
– Spending little on clothes — and worrying about 65-plusers still working
– Money making idea for last week’s Dad
– How hard is it to withdraw KiwiSaver money in retirement?
– Former teachers appreciate my comments
– State schools produce some notable ex-pupils
– Is this column disclaimer-free?
Q&As:
– Don’t drop your house insurance!
– Reader has a go at tax avoiders and evaders
– Terminally ill mother of teens worries about their inheritance
– KiwiSaver performance fees now have to be justified
Q&As:
– What should siblings under 23 do with inheritance?
– Does this reader still need trauma or life insurance?
– Skip strategies to “get rich” in share market …
– … and maths won’t help you
– Share markets don’t necessarily move with economies
– KiwiSaver when you turn 18 or 65
– Covid government subsidies are taxable
Is paying down your mortgage still the best strategy?
What to do with extra savings — beyond KiwiSaver minimums etc.
Also lump sums — inheritance, redundancy, win
– Mortgage used to be the winner — after include tax and fees. Now — with 2–3% loans?
– Other options: more into KiwiSaver, non-KiwiSaver funds, shares, rental property?
– The main issue: risk — needs to be high enough risk, long-term. Can you cope with volatility? Are you strong financially?
– Other issues: security (psychological and financial), simplicity, but diversification, learning about markets
– Penalties for paying fixed-term mortgage early
– Conclusion: perhaps do what you want!
Q&As:
– A clever way to reduce mortgage risk a little
– Westpac denies age discrimination in mortgages
– Boomer vents about NZ Super, but misunderstands
– How to keep inheritance away from separated sister-in-law
Q&As:
– Family trusts no longer let you avoid rest home fees
– Advice from Shakespeare on treating children equally in wills
– What should “lazy and irresponsible” reader do with his million?
– NZ Super unlikely to be slashed, especially for those on low incomes
– Widower describes 17 years of retirement travel with wife
Plus:
– Money Week
Q&As:
– Couple muddling trusts and wills — and courting trouble by not discussing uneven inheritances with family
– Young hopeful homebuyer in a position to take risks
– KiwiSaver retirement estimates too high? — what to do about it
– Travel early in retirement, 85-year-old urges
Q&As:
– You don’t need nearly a million to retire comfortably
– Should couple sell Covid-struck business now and retire, or wait and hope?
– Report shonky kiwifruit contractor, reader urges
– Reverse mortgage could help last week’s house buyer