Retirement

NZ Herald 9 February 2019

Q&As: Self insure only for the small stuff; KiwiSaver not good for rainy day money – but diversification is important; Can’t beat mortgage repayment after taking tax into account; Mortgage versus KiwiSaver revisited.

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NZ Herald 1 December 2018

Q&As: Reader prefers “taxpayer pays” rather than “government pays”; How do trusts affect the residential care subsidy?; Stats on retirement income confuse a reader; Book winners — six of the best.

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NZ Herald 24 November 2018

Q&As: Do we need $1 million for retirement?; Is “rule of thumb” offensive?; Advice that has stood the test of time; Reader says property manager well worth it; Is buying jewelry a way to get subsidy?

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NZ Herald 10 November 2018

Q&As: Help for woman whose husband did all the finances — and then left; Rent and hold, rent and sell, or stay put?; Reader points out fishhook in the idea of selling your home and renting in retirement; At least one bank gives KiwiSaver members the option of not seeing balance daily.

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NZ Herald 3 November 2018

Q&As: Couple in 70s plan to sell house and rent. Why not?; Stay conservative if you don’t know when you’ll need the money; Member of bank KiwiSaver scheme watching his balance too closely; Future government unlikely to limit KiwiSaver withdrawals in retirement.

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RNZ Radio 14 June 2018

A New Idea For Rainy Day Money: What is rainy day money?; New proposal that could help many; Currently — sources of emergency cash; Where to keep rainy day money; Let charity pay!

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NZ Herald 12 May 2018

Q&As: Does Labour still plan to restart KiwiSaver kickstart?; House sale price shows the power of long-term compounding; Reader surprised by my advice to sell rentals in retirement; Another retiree thoroughly enjoys being a landlord; Battle between property investors and first home buyers; Wealthy reader agrees that lack of capital gains tax is unfair.

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NZ Herald 7 April 2018

Q&As: Teacher loses KiwiSaver employer contributions at 65, but colleagues don’t; Pay off student loan or mortgage — or invest elsewhere?; Ex-real estate agent explains why it’s not wise to list with several agents; Why haven’t agents’ commission rates fallen as house prices soar?; Move to Kawerau not feasible, says Auckland pensioner.

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NZ Herald 31 March 2018

Q&As: Small town a good deal for retired couple; Budgeting whizz kid loved story of woman buying a house on $30,000…; …but struggling mother didn’t; Can’t reinvest dividends? Send them to your KiwiSaver account; My recommended real estate commission structure outlined; Reader outdoes agents, selling on her own.

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