Mortgages

NZ Herald 10 December 2022

Q&As:
– Reader leaves marriage with $3 million – what to do with it?
– Widowed pensioner finds inheritance “very scary”
– Only some KiwiSaver providers offer this service for the retired
– 3 Q&As on investing versus reducing a mortgage

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RNZ Radio 17 November 2022

3 clever types of mortgages
But first: Christmas Gift Book Giveaway. How to enter

– Offset mortgages
– Redrawable mortgages
– Revolving credit mortgages
– Can you switch to one of these if you already have an ordinary mortgage?
– A great place for rainy day money

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NZ Herald 5 November 2022

Q&As:
– Tips for student soon to start university — including “have fun!”
– Should granddaughter stop KiwiSaver while on leave?
– Banks “cavalier to consumers”
– Will you lose money permanently higher-risk KiwiSaver funds?
– Why moving funds is like moving houses

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NZ Herald 22 October 2022

Q&As:
– When it can be good to be in debt — how rental property works
– Adviser didn’t listen
– Are term deposit investors being treated unfairly?
– How best to turn shares into deposit for child’s home
– Using KiwiSaver for its lower fees

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RNZ Radio 20 October 2022

Should you fix your term, and for how long, in a volatile mortgage market?
– Why this question is so hard
– Split your risk — like diversification in investing
– Changing the structure of your loan
– Recommendations from Tony Alexander and Bruce Patten

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NZ Herald 17 September 2022

Q&As:
– Which type of housing will grow fastest in value? Who knows?
– Should all family members be with the same KiwiSaver provider?
– How to sign up children to KiwiSaver, and how to contribute to it
– Reader suggests alternative investment for 6-year-old with inheritance
– When older people can still get a mortgage

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NZ Herald 10 September 2022

Q&As:
– There’s still hope for scam victims
– Gloomy reader was wrong one year later, and 11 years later!
– Retired couple’s two worries — fluctuating KiwiSaver and access to the money
– What to do with 6-year-old’s inheritance

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NZ Herald 20 August 2022

Q&As:
– A classic too-good-to-be-true offer
– KiwiSaver government contributions to some over 65s? No — let’s make it beneficiaries
– Mortgage paydown probably better than buying shares
– Let’s get this widow mortgage-free before retirement
– Reader unhappy with te reo in last week’s column

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NZ Herald 11 June 2022

Q&As:
– Buy first home when it’s right for your family, not when the markets are right
– Make sure you get government KiwiSaver contribution — and go for low fees
– Where to get info on selling a property without an agent
– Reader is angry with what I’ve said about Bitcoin
– Tricky to choose term deposits, or mortgage terms, in these changing times
– Which fund for KiwiSaver money to be used for first home deposit?
– One way to understand how market falls affect your KiwiSaver balance
– Change KiwiSaver provider at any time, if you stay with same risk level
– How to cruise through market volatility

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NZ Herald 28 May 2022

Q&As:
– A mortgage interest rate rise from 11 to 18 per cent. Yikes!
– Should reader keep contributing to KiwiSaver as her balance falls?…
– … And should another move to a KiwiSaver cash fund?
– Rentals have more people living in them, says landlord advocate
– One landlord tries to shoot the messenger…
– … While another speaks plainly to other landlords
– How one share club is run — and you can join it

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