Q&As: University probably the best route to a new start for woman; Credit cards not linked to mortgages; Clearing up info on Residential Care Subsidy and gifting; Do small gifts count when apply for that subsidy?
Q&As: Bankrupt couple could make a new start in a small town…; And another reader has an idea for a job for them…; And yet another reader suggests trying the Australian outback; How capital gains tax would work for family with two homes and trusts; Younger reader asks for a stop to school marm comments about grammar.
Q&As: Why a 5-year fixed mortgage rate might be better than a 3-year one; 5 Q&As — Ideas for couple who have been through bankruptcy: take in students, do phone surveys, get a live-in position, write e-books, babysit; Grammar granny strikes opposition; Employers should respond to job applicants.
Q&As: Reader’s shareholding success probably more luck than skill; There’ll always be renters, but that doesn’t mean we have to love landlords; Property investors with big debt take big risk — and why do they brag?; Older workers do take jobs from the young to some extent; KiwiSaver contributions not taken from redundancy pay; On quitting KiwiSaver to start a business.
Q&As: 2 Q&As suggest it’s not always easy to go into the motel business, or other tourism or hospitality businesses; Should couple stop health insurance and set up their own fund to cover medical expenses?; Is KiwiSaver still worth being in, given changes that make it less attractive?
Q&As: Are shares still the best long-term investment, despite recent results?; Investing in bank term deposits has its own risk — that of inflation eating into returns; Older job applicants might want to play down their age on their CV; Volunteering overseas an option for couple in their 60s who can’t find jobs.
Q&As: The “who and how” of KiwiSaver withdrawals before retirement — including what happens if you go bankrupt; Was the recent advice on tax for buskers correct, or is their income donations?; Two readers suggest a short-term approach to employment for 60ish couple made redundant; Meaningful Christmas gifts.