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:
– Is $4 million enough to retire on?
– Bank shares not the investment they were — but do banks need a break?
– Share investor has “No time for fund managers”
– Let teens make investment mistakes
– Insurance rip-off looks likely
Q&As:
– Couple in their 90s find “hidden treasure”
– First home at 23, with no family help
– How to get 14-year-old into shares
– “Never give up — and know about the family finances”
– Couple very happy on $80,000 income
– How I did the maths last week
Q&As:
– DIY funeral costs much less
– A better way to set up life insurance
– How life insurance helped a reader who is still alive
– It’s best to ignore fear and greed in the markets
– No tax break on KiwiSaver contributions via employer
– How to set up laddering of term deposits
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:
– 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
Q&As:
– You don’t need to own a home to do well financially
– Get rid of Aussie shares says widower
– Reconsider insurance needs as your situation changes
– When switching KiwiSaver providers works best
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:
– Financial mentors offer free help for everyone who is struggling
– A good reason to switch KiwiSaver fund
– Reader “aghast” at my “cherry picking” in fund comparison
– Why passive share funds won’t take over entirely
– Life insurance advice from one who knows