The Investor 15 December 2012
Tricky questions to ponder on the beach walk. Summer holidays — a time to look beyond what’s happening in your life over the next week or so. How about the next 40 years?
Tricky questions to ponder on the beach walk. Summer holidays — a time to look beyond what’s happening in your life over the next week or so. How about the next 40 years?
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: KiwiSaver first home help flexible — including the maximum income rules; Teacher should be in KiwiSaver even though he doesn’t get employer contributions; A bigot confesses; Banks label NZ Super — and help superannuitants — in different ways.
Q&As: NZ gets good value from many NZ Super recipients; How parents might help their adult children with the two items that cost more now; Last week’s correspondent should leave the country, or change their thinking; How to calculate KiwiSaver tax credit in your first year in the scheme; Some KiwiSaver providers help members with tax credit; A welfare payment by any other name…
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.
Q&As: Reasonable and unreasonable expectations about NZ Super and people’s retirement savings; People need to think beyond their own needs, says reader; Better or worse then or now? Just different; Just how high are — and were — tertiary fees?; Oops! I got it wrong about foreign exchange and interest rates.
Q&As: One retired reader is fed up with a younger person’s attitude to superannuitants…; While another is amused, and thoughtful; Effect of a mortgage rate rise on house prices being underplayed; An overseas landlord must, by law, have an agent here; Bank gives wrong info on deposits into KiwiSaver.
Q&As: Should reader buy a NZ house now — while still overseas — or later?; 3 readers’ varying views on student loans; 2 readers seem to be a bit muddled about the new KiwiSaver tax credit.
Q&As: A reader’s 10 rules on property investment make good sense; 3 Q&As on the fairness of wealthier people using student loans; Was the word “renter” misused in last week’s column?; Research centre is looking into issues about overseas pensions and NZ Super.
Q&As: How to plan retirement savings if you don’t want to own a home; Family in last week’s column must have muddled their language a little; If you’ve lived in Australia, applying for NZ Super may not be straightforward.