Q&As: It’s great if you pay more tax than you get back; Why should I bother to save?, readers asks; How tax proposals would affect KiwiSaver — and rule of thumb for retirement spending; Reader thinks CGT should decrease the longer you hold an asset. A note about your questions about tax.
Ways to curb your spending: Why we do unnecessary spending?; Estimate your spending — roughly; Attack habits; Watch out for slogans; The Christmas trap; Get support — FinCap; Tell lenders to go away — Debt Blocker.
Men, women, spending and investing: Letter from a listener; People who spend too little; Gender differences in money management; Gender differences in investing; Why the differences might be there.
Q&As: How to tell term deposit institutions apart; Frugal superannuitants seem hurt by last week’s column; Real estate agent defends colleagues, and shares a couple of secrets; Dividend reinvestment plans work well for many shareholders; 2 Q&As on who is a professional.
Q&As: Alternative commission gives real estate agents incentive to get you a high price; Yes I was dead serious about telling woman to save less and spend more; Great granddad’s KiwiSaver gift a great idea; Ideas for 16-year-old’s inheritance; Helpful website for tiny house owners and people with land to share.
Does Christmas have to be like this?: First — an early thought about a new year’s resolution; Survey findings on Christmas spending; Survey findings on Christmas financial stress; Things to think about this Christmas; Other ways to do it.
Q&As: Easy rule of thumb on how much you’ll need in retirement; KiwiSaver solution for Downs syndrome son; Reader unsuccessful at opting out of KiwiSaver; Different types of fees-only financial advisers.
Q&As: Gift vouchers have their faults, but they’re not scams; How to find a financial adviser that doesn’t receive commissions; Why KiwiSaver returns on your own contributions are so high; KiwiSaver providers that don’t charge fees for under-18s; Winners of seminar tickets contest.
Q&As: Some spend too much on fun, but some spend too little; What to do if employer won’t contribute to KiwiSaver; 2 readers ‘self-insure’ for health insurance; Reader glad he had check-up before dropping health insurance; Another way to keep down health insurance costs; How have you done in KiwiSaver?; Win a seminar ticket.
Q&As: Perhaps we should celebrate a young man’s spending splurge; Don’t get rid of student loan, pay down mortgage; Dodgy share advice given to elderly couple; Think of NZ Super as insurance; Pension info there, but reader may have been distracted.