Q&As:
– “It’s fine to tax my gains or estate”
– NZ Super cheap by world standards
– 2 Q&As about not means testing Super
– Don’t retire! Or if you do, volunteer
– Angry letter about something or other
– Some kind letters
Q&As:
– Where to get financial help — some of it free
– How do bank advisers fit in?
– Yes, children are learning about money
– Many over 65 struggle
– Would Q&A have upset people?
– What’s luck got to do with it?
Q&As:
– How pensioner can take friend into her home
– Gold tax not new
– Is this column moving towards more rich people’s letters?
– Rich not all financially savvy
– Retire gradually if possible
– Reader wants a break for boomers
Q&As:
– Couple has more than enough for retirement
– Gold gains taxed when you sell
– Not everyone tries to dodge tax
– Tax land rather than gains…
– …or tax financial transactions
– A different deal for tenants in Germany
Big rates rise? Consider rates postponement
– Some councils offer for everyone, others just for those on lower incomes
– Frees up money for expenses — or fun!
– You pay no rates, but owe your council the money — pay back when you sell house or die
– Some fees plus compounding interest, but house value should grow more than debt
– Check your council’s website
– Another idea: pay smaller amounts more often
Q&As:
– Managed funds best for teen’s savings…
– … And for inheritance
– Entering competitions? Watch for scams
– Special schools could use help
– Cheeky tip on lotteries
– 87-year-old should take trips
Q&As:
– He’s rich, but unhappy. Volunteer!
– KiwiSaver v mortgage. Plus expected KiwiSaver returns
– Better KiwiSaver for self-employed — and beneficiaries
– When is a tax break not a tax break?
– Option for couple who bought retired parents’ home
– A “lottery” you can’t lose
Q&As:
– Why over 65s don’t get KiwiSaver government money
– Taking environmental issues into account
– Good spending in her 70s
– Income protection insurance really paid off
– 2 Q&As on grandkids’ inheritances
– Money plan at 78
What your KiwiSaver statement tells you
– What’s listed
– Your total at retirement, and weekly spending amount
– Too little? What to do
– What if you live past 90?
Q&As:
– With assets behind you, have fun!
– Provider could do better — but so could investor
– 2 Q&As on gifts to grandchildren
– Which is safer — bank deposits or PIE funds?