Children and Money

The following is a selection of articles mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.

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Articles

NZ Herald 6 March 2010

Q&As: How will superannuitants fare under proposed tax changes?
Should young couple invest their savings in a rental property while overseas?
Two Q&As about children and the KiwiSaver tax credit

NZ Herald 30 January 2010

Q&As: Investing doesn't have to be a part-time job. There's still time for novel reading.
KiwiSaver calculation - far from being wrong - is correct to the cent.
How the lack of a tax credit for kids in KiwiSaver affects contributions to their accounts.
There's much more to financial advice than just investing.

NZ Herald 7 November 2009

An invitation to attend a breakfast representing investors
Q&As: Independent fee-charging advisers - the ones readers should be able to count on - to be listed in this column
Are accountants obliged to minimise tax, and to not dob in their clients to Inland Revenue?
Contributing to adult children's KiwiSaver accounts a good idea, even if they end up losing some of it in a marriage break-up

NZ Herald 25 July 2009

Q&As: Steps a middle-income family can take towards buying their own home
Scams not always easy to spot
The presence of family trusts could prevent governments from means testing NZ Super
Has the worst already happened for kids in KiwiSaver?

NZ Herald July 11 2009

Q&As: KiwiSaver still great for children, even though the fee subsidy is gone
Now might be an okay time to get into a rental property - for family in the right circumstances
Should young retiree switch some savings into a share fund?
Two Q&As offer advice - on school fees and insurance - to woman with dying husband

NZ Herald February 14 2009

Q&As: The possible perils of parents lending a mortgage to adult children.
Tips on mortgage reduction from a mortgage broker.
How mortgage borrowers could unite to force interest rates down.
2 Q&As on what happens to KiwiSaver money in retirement.

NZ Herald January 24 2009

Q&As: Advisor's mortgage offer looks too magical to be true
Children more likely to be angry because their parents didn't sign them up to KiwiSaver than because they did
Too much on KiwiSaver in this column?

NZ Herald December 13 2008

Q&As: Government's KiwiSaver changes include a big improvement on their pre-election plans.
New taxation of KiwiSaver employer contributions is fair enough.
Plus - readers' views of my political leanings vary widely.

NZ Herald November 29 2008

Q&As: Repaying a mortgage - on a home or rental property - almost always better than saving with term deposits.
KiwiSaver works well for children.
3 Q&As on charitable Christmas giving.

Syndicated column November 25 2008 - Christmas giving that makes you happier too

Struggling retailers aren't going to like this, but how about we make 2008 the year we stop spending ridiculous amounts on Christmas presents we don't need - and often don't even like?

NZ Herald November 22 2008

Q&As: Does charity begin in the home country? Salvation Army programme looks good.
List of overseas charities with Christmas gift offerings.
National's KiwiSaver changes could discourage single Mum trying to get ahead - but there's hope they will be altered.
The whole KiwiSaver mortgage diversion issue will be much easier for many under National's changes.
Plus: Readers on KiwiSaver

NZ Herald November 15 2008

Q&As: 2 Q&As on National's proposed changes to KiwiSaver
Plus: Meaningful Christmas presents
Readers' views on KiwiSaver

NZ Herald September 6 2008

Q&As: Family of five should go with several different KiwiSaver providers to compare them.
Last week's look at the effects of gearing was deliberately simplified - and it probably didn't make too much difference.
Two poetic reactions to last week's poem.
Parliament move ends wait for woman not wanting to sign a work contract that treats KiwiSavers differently.


Money column for Sept 6 2008

NZ Herald July 5 2008

Q&As: Average Joe Bloggs, sick of the rich and poor ripping off the system, seeks tax breaks.
"Fair Go" television show overlooked three important points when criticising KiwiSaver for children.

NZ Herald May 10 2008

Q&As: Grandma will help grandson more by opening her own KiwiSaver account and giving him the savings.
Ultraconservative KiwiSaver funds are as safe as bank accounts, and bring much higher returns.
Is lack of self control more prevalent now than in the past?
Government bonds have their place for the ordinary investor.

Money column for May 10 08

NZ Herald December 1 2007

Q&As: In defence of so many questions about KiwiSaver - and a challenge to readers.
Getting the best out of KiwiSaver for a non-earning wife and college kids.
Getting the best out of KiwiSaver for an early retiree on a low income.

NZ Herald November 17 2007

Q&As: Why don't banks lend money for share investment?
2 Q&As on how you can best help your grandchildren (or children) into KiwiSaver
Christmas gifts for those who really need them

Syndicated column September 18 2007: Combining kids and KiwiSaver

Every New Zealander under 65 will benefit from joining KiwiSaver, including newborns. But the rules - and how to make the most of them - are different for children, and many readers have questions about that. Here are a couple:

NZ Herald August 11 2007

Q&As: KiwiSaver is just right for 30-year-old son having difficulty saving for his first home.
Why sign up a one-year-old for KiwiSaver?
Also: Some winning entries in the "KiwiSaver: How to make it work for you" giveaway.

NZ Herald August 4 2007

Q&As: How can employees get around the KiwiSaver restrictions on them, and how much should you contribute for your children?
A mother worries about whether she should sign up her children in KiwiSaver.
Also: Some winning entries in the KiwiSaver book contest.

NZ Herald May 19 2007

Q&As: Four readers give diverse views on whether baby boomers or Generation Xers got a better deal on tertiary education, student loans, and affordability of houses.

NZ Herald November 4 2006

Q&As: Two on why many rental property investors should pay tax on their gains when they sell. It's the law!
How to teach teens about budgeting.
Allowing for tax when calculating returns on term deposits.

NZ Herald September 30 2006

This is the final week in which we are running excerpts from Mary Holm's bestselling book, "Get Rich Slow: How to grow your wealth the safe and savvy way." Mary's regular Q&A column will resume next week.

TEACHING THE CHILDREN WELL

NZ Herald February 4 2006

Q&As: Man who has made $3 million from shares.
How much risk for a 53-year-old?
How good is advice from banks?

Syndicated column November 1 2005: Borrowing tricky between family or friends

A quote recently caught my eye. "The easiest way to teach children the value of money is to borrow some from them," it said.

But that applies not only to children. Adults, it seems, take much more notice when someone has borrowed from them than when someone has lent to them.

Holm Truths spring 05

Kids, cash and cards: Help your children learn about money

Also in this issue: From the Mailbox - Saving for the children's future

NZ Herald October 15 2005

Q&As: 2 on how families should be taxed.
Should middle-income families get child care support?

NZ Herald October 8 2005

Q&As: 5 on how different types if families should be taxed.
Many readers sent submissions to the government on proposed changes on taxation of international shares.
Am I a National Party supporter?

NZ Herald October 1 2005

Q&As: Should single people get tax breaks too?
Several Q&As on proposed tax changes on international shares.
How you can sell your home via a website.
What are our tax rates?

NZ Herald April 9 2005

Q&As: Where should a 13-year-old put his regular savings?
Extra repayments on a fixed mortgage.

NZ Herald March 19 2005

Q&As: Tips for a 12-year-old on how to save.
A revolving credit mortgage might be just the thing.
One way to spot a leaky home.

Holm Truths spring 04

Investor beware!: How to spot a rip-off or scam

Also in this issue: From the Mailbox - Plans for single mother of 41