One way to keep insurance costs in check is to limit cover to what's vital.

Should all financial player have a single ID number like a telephone number?

I once had the job of tinkering with the language contained in a flyer titled 'Live to 100'.

What about all the volunteer work done by the over 65s?

It's taxpayers who foot the bill - again - when graduates do a runner to far away countries to escape their loans.

It looks as if Russell Investments has won the job of managing BNZ's own KiwiSaver scheme.

While it has flaws, the savings scheme is coming of age, writes Andrew Gawith.