NZ Herald 1 April 2006
Q&As: Can he retire?, 40-year-old asks; Couple about to retire wonder if their expenses will drop as they get older; Student loan interest ends. What happens if you go overseas?
Q&As: Can he retire?, 40-year-old asks; Couple about to retire wonder if their expenses will drop as they get older; Student loan interest ends. What happens if you go overseas?
Q&As: Stick with share fund investments; Is it wise to depreciate if you’re selling your rental quite soon?; Tax treatment of the expenses of rebuilding leaky rental property.
Q&As: Man panicked and bailed out of share fund. No!; Real Estate Institute denies that it’s hard to buy a house in NZ.
Q&As: Eftpos v credit cards. And bank fees; The investment outlook is gloomy, so save!; Wealth doesn’t make you happy.
Q&As: Is compounding interest over-rated?; Credit cards v eftpos; How long is long-term? Returns on different assets.
Q&As: Couple reluctant to sell their shares in a takeover; Owning 19 shares is good, but it’s too soon to judge performance.
Q&As: Man who has made $3 million from shares; How much risk for a 53-year-old?; How good is advice from banks?
Negative gearing may come back to haunt you. Many landlords say they don’t mind or even like to be negatively geared — making year-by-year cash losses on a mortgaged investment. But it never looked all that appealing to me. And recently I heard a rather compelling argument against it.
Q&As: Shares v term deposits — it depends how much time you have; Short-of-cash millionaires should try to renegotiate their mortgage; When is a 2% penalty not 2%?
Readers rally to back houses. It always happens. Whenever I write about investing in houses and shares in the same column, people say I’m unfairly negative about houses. In my final column last year, I wrote that the rise in house prices over the previous year was slower than the rise in: New Zealand shares, hedged overseas shares and unhedged overseas shares, all including dividends. That surprised me, and I thought it might surprise you.