NZ Herald 28 April 2018
Q&As: Do landlords push up prices at property auctions?; Who should pay tax on property gains — and a call for a capital gains tax; Sydney house price rise not so amazing.
Q&As: Do landlords push up prices at property auctions?; Who should pay tax on property gains — and a call for a capital gains tax; Sydney house price rise not so amazing.
Is home ownership the only way to go?: Decision to rent for life — or at least in the meantime; Weighing up the finances; Need to save big retirement sum; Short-term pluses of renting; Short-term minuses of renting; Longer-term issues; Psychological issues.
Has rental property had its run?: The market is slowing; Government changes — mortgages, tax on gains etc; Pros and cons of investing in a rental; Why rentals are riskier than they seem; Comparing rental and share returns; The landlord personality.
Does Christmas have to be like this?: First — an early thought about a new year’s resolution; Survey findings on Christmas spending; Survey findings on Christmas financial stress; Things to think about this Christmas; Other ways to do it.
How to best deal with a student loan: Possible psychological effects of having a loan; The best strategy financially; What happens if you go overseas?; Does having a student loan make it harder to get a mortgage?; Is the student loan system a good idea?
Q&As: 47-year-old in strong position on house market sidelines; Tips from an expert on getting the best type of mortgage; Questions about KiwiSaver not dumb; Money Week coming up.
Investment risks — Part 4: Ups and downs in investments, emotions and fees. In the last of a four-part series, Mary talks about the risks described in the newly updated “Upside, Downside — a guide to risk for savers and investors”. (Download it here). In this session: Being overconfident about your ability to trade investments or time markets; Taking on more volatility than you can cope with; Letting your emotions rule your investment decisions; Taking on more work or worry than expected; Counting on dividend income; Paying too much in fees and other expenses; Being tax-driven.
Gender and Investing: How gender affects goal setting; Are men or women more likely to take risks?; Are women or men more likely to trade frequently?; Which gender is scammed more?; As a result…; Messages for each gender.
One person’s take on the Fraud Film Festival; New Zealanders’ susceptibility to fraud; Tips on staying out of trouble online; How the experts try to tell if people are lying; Does upbringing lead to fraud?; How much integrity have we all got?
How emotional thinking can get in the way of good investing. Understanding common reactions can help you guard against bad decisions. Reactions include: Responding to how things are presented; Sticking with the status quo; Responding to how things are named; Following the crowd; Emotional attachment; Being overwhelmed with information; Fear of regret; Not considering the whole portfolio.