Q&As: The possible perils of parents lending a mortgage to adult children; Tips on mortgage reduction from a mortgage broker; How mortgage borrowers could unite to force interest rates down; 2 Q&As on what happens to KiwiSaver money in retirement.
Q&As: Some great ideas for reducing your mortgage; Non-employees are also eligible to join KiwiSaver; The KiwiSaver tax credit has nothing to do with tax; Once you’re in KiwiSaver, you can’t get out again — but should you want to?
Q&As: Several options for 20-year-old who worries that the state of the world makes KiwiSaver iffy; 5 Q&As about reader who was offered a mortgage deal that was too good to be true.
Q&As: Advisor’s mortgage offer looks too magical to be true; Children more likely to be angry because their parents didn’t sign them up to KiwiSaver than because they did; Too much on KiwiSaver in this column?
Q&As: Government’s KiwiSaver changes include a big improvement on their pre-election plans; New taxation of KiwiSaver employer contributions is fair enough. Plus: readers’ views of my political leanings vary widely.
Q&As: Repaying a mortgage — on a home or rental property — almost always better than saving with term deposits; KiwiSaver works well for children; 3 Q&As on charitable Christmas giving.
Q&As: Does charity begin in the home country? Salvation Army programme looks good; List of overseas charities with Christmas gift offerings; National’s KiwiSaver changes could discourage single Mum trying to get ahead — but there’s hope they will be altered; The whole KiwiSaver mortgage diversion issue will be much easier for many under National’s changes. Plus: Readers on KiwiSaver.
2 Q&As on National’s proposed changes to KiwiSaver. Meaningful Christmas presents. Readers’ views on KiwiSaver.
To hedge or not to hedge? There are two key questions around investing overseas: Should you do it? And if you do, should you hedge your investment, so it’s not affected by movements in the New Zealand dollar. The first answer is “Yes”. The second is trickier.
Q&As: PIES have many more pros than cons, with tax breaks and, in some cases, a government guarantee; Single parent with three rentals might want to sell one — but not for the reason she suggests. Plus: readers’ views on KiwiSaver.