Q&As: Risks of property investment — especially sections; Owning modest home plus rental versus owning more expensive home; Don’t count on politicians’ long-term promises; Why the young of today might criticize NZ Super; Another perspective on government rest home subsidy; Coffins or shrouds?
Q&As: 70-year-olds should skip buying unit and spend their savings; How to set up a regular income from bank term deposits; One reader applauds my being tough on those with big credit card debt…; …While another is incensed by it.
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: Government seeks your views on financial advisers; You want an Auckland house? Go ahead and buy one; Similarly, buy the bach now; Where to save extra, over and above KiwiSaver…; And watch out for fee differences.
Q&As: How some can get round the single KiwiSaver provider rule; Borrowing lots to buy rentals not the way out for reader’s parents; Should couple bring property money back from Australia or wait for a better exchange rate?; Another provider offers unhedged KiwiSaver growth fund; Lawyer not recommending against using a lawyer.
Q&As: Kicked out of KiwiSaver for joining when too old; Is now the time to get out of Auckland property and into shares? Who knows?; Aspiring home buyer’s plan highly risky.
Q&As: Term deposit interest not so bad for people in retirement; How much in savings to get income equal to NZ Super?; Reader challenges my comment about landlords’ tax.
Q&As: Do landlords take advantage of others less fortunate?; How KiwiSaver members are protected from losing their money; Inland Revenue got it wrong last week about interest deductions on family loans; Meaningful Christmas gifts.
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?
Q&As: How would Labour’s proposed variable KiwiSaver contributions rate work?; Labour’s capital gains tax and… shares; …public submissions before the tax is enacted; …how inheritances would be treated; …family homes and baches in a trust; …using part of the home for business; …its effect on house prices; …its effect on rents.