Q&As: How about just paying tax, instead of moving house to avoid paying it?; Beneficiaries can join KiwiSaver, and shouldn’t feel they’re not entitled; Last week’s lead Q&A overlooked costs of home ownership…; …and the limits to how KiwiSaver first home money can be spent.
Q&As: Think before investing in a rental with a relative, especially in your 60s; A challenge to the banks about term deposit comparisons; Is share brokerage deductible? Be careful what you wish for!; Couple do really well in KiwiSaver, although it’s partly good luck.
Q&As: Laddering helps with term deposits, and we’ll have to learn to live with rule changes; High-quality bonds an alternative to term deposits; Can an employee join KiwiSaver without employer involvement?
Q&As: More can be in KiwiSaver than commonly thought; Banks no help when comparing deposit rates; Are New Zealanders out of step about the security of home ownership?; Don’t rush to move house when the kids leave home; Are KiwiSaver fees tax deductable?
Q&As: Should family keep renting, or buy a home?; Why Inland Revenue takes so long to process KiwiSaver contributions; Employee must join KiwiSaver via their employer, but that’s not so bad; Adult children can’t opt out of KiwiSaver, even though their parents signed them up.
Q&As: KiwiSaver not quite so marvelous over several decades; But it’s still worth being in; The “buy a home before travelling?” question varies with the circumstances.
Q&As: Should young man buy house before doing his OE?; Better to stay in the housing market than have time out; How KiwiSaver first home help works for beneficiaries and student allowance recipients; 2 Q&As about tax obligations of last week’s spec home investor.
Q&As: Still hope for first home buyer with 10% deposit; Profits from spec home best put into offsetting mortgage on own home; How KiwiSaver fund finder gets around shortcomings; Ideas for inexpensive family travel.
Q&As: Time for over-savers to spend on fun experiences — but still save some; 65+ man’s KiwiSaver plans overly optimistic; All guardians must sign before children join KiwiSaver — which seems unfair; How to judge a KiwiSaver fund’s volatility using fund finder.
Q&As: Wisdom for bankrupt couple from one who has been there; How to find ethical funds in the KiwiSaver Fund Finder; Dangerous issue with last week’s picture; Stop tampering with KiwiSaver; Last column of the year and thanks to correspondents.