Q&As:
– Are house prices too high?
– Bank needs to improve KiwiSaver withdrawal options
– In residential care subsidy rules, do charity donations count?
– My mistake with gifting number
– 2 Q&As on care subsidy details
– Legal execs “are not secretaries”
Q&As:
– Best retirement investment — running?
– No, I’ve still not converted to market timing
– Which KiwiSaver providers have the best fund flexibility?
– More on lawyers and wills
– Care subsidy could be unfair on couples
– Warn the family they may not get the house
– Consider curbing your gifts in retirement
Q&As:
– How to help students while also motivating them
– What happens to someone’s KiwiSaver when they die
– DIY to avoid “exorbitant” legal fees?
– Elderly care rules tough on middle-income retirees
Q&As:
– Not every treat costs money
– How to spend more
– What happens to government KiwiSaver contributions when you head offshore
– A high-growth fund as you approach retirement?
– Try not to drop health insurance
Q&As:
– Life insurance is usually for more than the funeral
– How to run elderly relative’s finances
Plus:
– Upside Downside: Risky behaviour: Expecting past performance to continue
Struggling to pay rates? Try a rebate or postponement:
(First: A comment on National’s proposed KiwiSaver changes)
– People facing big rate rises
– Different councils’ offerings
– Rebates for people on low incomes
– Postponement in some cases for everyone
– How it works
– How to get help with this
Which investment? And why cash funds might be best
– Email asks: 4.5% in bank or use KiwiSaver?
– Where to put short-term, medium-term and long-term money
– What are cash funds?
– How they compare with bank term deposits
– How to find a cash fund
Q&As:
– Widow needs help with coping with son’s selfishness
– Scam text from “IRD” looks genuine
– Reader annoyed at having to phone bank to get better rate
– A warning for people changing banks
– Parents invest kids’ inheritances in a rental …
– … But did they follow the law?
Important info in your KiwiSaver annual statement — and how to improve it next time
– What’s in the statement
– Total at 65, and weekly spending through retirement
– How your provider came to those numbers
– What to do if you want them to be higher
– Why moving to a higher-return fund is not wise
Q&As:
– KiwiSaver provider’s ad looks like cherry picking to me
– Retired couple should sell their rental property
– You can repay reverse mortgages any time
– Reader takes note of bank credit ratings when choosing term deposits
– A reader’s story: Surviving Covid jitters, and upping KiwiSaver and mortgage payments