Q&As: A few phone calls can slash hundreds from insurance bills; We’re not all bad, says insurance adviser; “Freehold” doesn’t mean mortgage-free, and beware of leasehold property; Reasons for Auckland house price rise don’t rule out bubble; Meaningful Christmas gifts.
Q&As: How a woman who can’t stop herself from spending could tie up an inheritance; Extra house savings may be better outside KiwiSaver; Saving in or out of KiwiSaver, and 55-year-old can still aim at home ownership; More information about life expectancy; Is ageism rearing its ugly head amongst pensioners?
Mortgages: Fixed vs floating rates — Which? advantages of each; Types of mortgages — Ordinary (table), interest-only, revolving credit; Should you pay down your mortgage fast? — Or is it better to save?
Q&As: Calculators that measure your life expectancy more accurately; Is it better to repay a mortgage or save?; Don’t overreact to worry that KiwiSaver retirement withdrawals could be limited; Don’t assume any interest rate trend will continue; What would happen to members’ savings if a KiwiSaver provider went bust.
Q&As: Couple’s rental property plans riskier than they might think; What happened at Milford, and how are KiwiSaver members placed?; Bank adviser may regret lack of interest in man in his 90s; Hard to be a young, independent adviser.
Q&As: Are “women’s gifting circles” legit?; Is bank financial adviser giving “best” advice?; KiwiSaver tax credits don’t cross the Tasman; Tips on getting more from a revolving credit mortgage.
Q&As: How should high-saving couple allow for emergency money?; Will reader’s children squeak through and get KiwiSaver kick-start?…; …And will another reader’s partner?; Some bank depositors’ money at risk if bank gets into trouble; Shouldn’t borrowers be the ones who bail out a bank?
Q&As: Should parity with Aussie dollar affect investing?; How currency movements affect KiwiSaver funds, and what you can do about it; A good way to lend to adult children?; Better to pay down mortgage or invest elsewhere?
Q&As: Can 57-year-old separated woman on low income get a mortgage?; Should move from term deposits to balanced fund be done all at once?; Ditto for move to higher-risk KiwiSaver fund; How to get independent advice — on paying down the mortgage.
Q&As: The pros and cons of investing in several rental properties; An employer can contribute any amount above 3% of pay into a KiwiSaver account; Who owns the shares when you invest through a nominee, and does it matter?; Was I wrong last week about tax deductibility in a family loan?