Q&As: Options for a newly retired couple with $200,000 and no home include part-time work, buying a home with a flat attached, an interest-only mortgage and equity release; Two Q&As on which investments are affected by the new tax law on international shares, and how it will work for investors.
Q&As: Is it a good idea to go back to 100 per cent mortgage on rental and invest the money in a term deposit?; A reader supports gradually building up a share portfolio; Another charity offers Christmas gifts for the needy on behalf of your friends and relatives; Reader wants more info on charities before making gifts; A Sydney minister’s quick-witted response; Prices then and now — and how houses fit into the picture; Cathedral carvings show inflation is nothing new; A reader’s pie and doughnut confession.
Mortgage moves: How you can make the big loans work better for you. Also in this issue: From the mailbox — Is it a good idea to increase your mortgage and invest the money elsewhere?
Q&As: Lessons from the Bible: Is borrowing bad?; Is luck or attitude the secret to wealth?; Sharebrokers shouldn’t always be expected to give ongoing advice.
Q&As: Couple should spend less?; Wealth isn’t always money; How last week’s correspondent made his millions; Making extra payments on fixed mortgages without penalties.
Q&As: 27-year-old overseas doesn’t need more than 4 rentals in NZ; Should more conservative 26-year-old get revolving credit mortgage?
Q&As: Shares v term deposits — it depends how much time you have; Short-of-cash millionaires should try to renegotiate their mortgage; When is a 2% penalty not 2%?
Q&As: Should newly separated woman buy a house or rent?; Our total tax rate depends on whether we spend or save. Plus: End of year message.
Q&As: $29,000 rental in Gore not the thing for a risk-averse man; More on tax on a second job.
Q&As: Who gets the money when mortgage rates increase?; 2 Q&As on whether the tax rate on second jobs is fair.