Questions

Investing

Will I Get Better Investment Advice From Advisers Who Charge Fees?

While I am sure many consumers will welcome your proposed list, I think it should be made clear that just because an adviser charges a fee rather than receiving remuneration by some other means, that is no guarantee the advice will be sound and appropriate.

Seeking Investment Advice: What's Better, Commission Or Fees? (24 December 2009)
How Risky Are Perpetual Preference Shares? (16 November 2009)
Are Preference Shares A Good Investment? (6 November 2009)
When Can I Expect The Value Of My Preference Shares To Rise? (6 November 2009)

KiwiSaver & Saving

Should I Transfer The Payout From My Company Super Scheme To KiwiSaver?

I am about to be made redundant. I had been contributing to a company superannuation scheme during the time I have been employed with the company. I had also recently joined KiwiSaver, so was contributing to both.

In A "Total Remuneration" Situation, Does Joining KiwiSaver Still Make Sense? (3 October 2009)
Is KiwiSaver For Suckers? (3 October 2009)
If I Don't Join KiwiSaver, How Much Could I Be Missing Out On? (3 October 2009)
Can We Join Both KiwiSaver And The Government's SSRSS Super Scheme? (3 September 2009)

Managing Money

Is Health Insurance Worthwhile?

My wife and I are 68 and 66 respectively, happily retired and financially secure. We are both in good health, though both have had hip replacements in recent years.

How Does The Student Loan Repayment Bonus Scheme Work? (20 April 2009)
When Should I Exchange My NZ dollars To Euros? (19 March 2009)
Frugal Living Checklist (13 February 2009)
When's The Best Time To Exchange Kiwi Dollars? (1 December 2008)

Home Loans

Should We Wait Before Buying A House?

My husband and I have saved a $120,000 deposit for a property. My husband is going to be returning to study for the next three years and so we will be a one-income family, on around $110,000.

Should We Use Savings To Pay The Mortgage Or Buy More Property? (6 July 2009)
What Should We Do With Our Savings? (2 March 2009)
Should I Get A Guarantor For A 90 - 100% Mortgage? (10 February 2009)
Should I Split My Mortgage? (9 February 2009)

Credit Cards

Credit Card Vs EFTPOS For Day To Day Transactions?

I am amazed at people who still use EFTPOS cards for everyday transactions.

I maintain a Visa card with a P.I.N. that I use exactly like an EFTPOS card, and the most it costs me is $25 per year.