Q&As:
– Go to the beach when your managed fund dips
– Property is not liquid, but…
– Buy a rental elsewhere while being a tenant yourself?
– Disabled woman’s KiwiSaver balance challenged
– Letter last time “staggeringly mean”
Q&As:
– More saving is not for everyone
– A way around “too much AI” in share funds
– Reader’s complaint seems mean
– “Sneakers guy” last time deserves praise
– Get the right sort of life insurance
– OK to move for cheaper housing?
– “I won’t browse there!”
Plus:
– Mary talking in Tauranga
Q&As:
– Life insurance important for family – and maybe a house?
– Disabled sister’s KiwiSaver probably not an issue
– Mum gets her cushion
– “Stop browsing and spend!”
– Fly and SKI with retirement savings
– Muslim attitude to wealth
Q&As:
– Old people missing out on joy?
– How KiwiSaver has changed, and the change that probably won’t happen
– Gift for grandson? Ask him!
– A quick way to get return numbers
– Shop around with your banking – it’s worth it!
Setting up a rainy day fund
– Sorted Money Month: This year — emergency money
– Good for mental health
– How to set up a fund and how much
– Sorted Buffer Builder app
– Putting money slightly out of reach
– “Give it to charity”
The power of drip feeding into investments
– 3 reasons it works well
– What is dollar cost averaging?
– Why does it work?
– What if you have a lump sum?
Which is better – paying down the mortgage or investing?
– Questions from listeners on this
– Also a question on whether you can make faster repayments on a fixed term mortgage
Tips on buying a house or apartment
– Now it’s a “buyers’ market” — but don’t try to time markets
– Get a LIM — important info
– See property at different times
– Check the neighbourhood
– Online valuations
– Building inspection
– Negotiating — including auctions
– Very important: be prepared to walk away. There are always other good houses!
Emergency (or rainy day) money — how much? And where?
– Lack of fund is source of stress
– Priorities with your money
– How much?
– Where to save — including idea for those with mortgages
– How to build a fund
– A “charity fund”?
– If you use the money…
Are New Zealanders getting insurance all wrong?
– Survey: we don’t insure what matters most
– Why that might be?
– Does self insurance work?
– Is insurance a good deal?
– Ways to cut insurance costs
Plus:
– Self-employed should stick with KiwiSaver