Q&As: You can be regarded as being in a de facto relationship even if you don’t live together; Accountant gives bad advice on joining KiwiSaver; Paying extra off the mortgage versus saving outside KiwiSaver; 2 Q&As about young man who is NZ tax resident but still pays interest on his student loan; Reader’s student loan idea might work — depending on family dynamics.
Q&As: 2 readers tell of struggles for overseas students repaying student loans; Another reader explains why he let his student children run up loans and then helped to repay them; Confusion over changes to KiwiSaver employer contributions; Will a pre-nuptial agreement do the trick?; Can a parent draw up a Section 21 agreement for their adult child?
Q&As: Should student loan interest — for people overseas — be lower than mortgage rates?; Why parents let students run up loans, and then repay the loans for them; One way parents can help their adult child buy a home without losing the money to the child’s ex later on; How the new partner of a widow might get his share if they split up.
Q&As: Student loan question brings out the differences in a couple’s attitudes to money; 2 Q&As about making use of the student loan repayment bonus — which expires on March 31 — while students are still studying; Clarification of some tricky wording about student loans; A warning for couples: Relationship property agreements should not be DIY.
Q&As: Is KiwiSaver the best place to save for a child?; KiwiSaver is flexible in retirement; 21st birthday money could be used to repay student loan — and get bonus; Gains, taxes and prizes; Another website offers info on banks; Tell your KiwiSaver provider how well they communicate.
Q&As: Time to check a reader’s challenge about banks and gold; And let’s hear it from the reader himself; Why 1-person retiree households spend so much less than 2-person households; Should NZ Super be more for older retired people?; Income manipulation to get student allowances is now curbed; Not every reader agrees with aggressive ones.
Q&As: The extra money retired people can get from the government, above NZ Super; 2 Q&As about information on spending in retirement; People don’t literally invest student loans — so how do they do it?; Reader finds this column not worth reading!; People who make the most of student loans are “not morally bankrupt”.
Q&As: 3 readers are upset about morality and student loan repayment strategies; Is it better to take advantage of the student loan repayment bonus, while it lasts?; Low retirement spending figures challenged.
Q&As: New research helps to answer whether couple in early 50s should worry about how much they are saving; KiwiSaver funds won’t be the next finance companies; Should young man overseas repay his student loan?
Q&As: Reader could do with a re-think; Economist calls for in-depth look at NZ Super; Easy way to make KiwiSaver contributions; Should we use KiwiSaver money to repay student loans?; How about starting to charge interest on student loans?; 3 readers remember what tertiary tuition fees were like in their day.