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![Say 'yes' to the adviser who'll tell you 'no'](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Say 'yes' to the adviser who'll tell you 'no'
COMMENT: In theory, it's simple: Best interests come first. In practice, it's more complicated.
![Get Sorted: Sex and money talks](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Get Sorted: Sex and money talks
COMMENT: Not talking about money with your kids is like not talking about sex. Avoiding it is not a great option.
![Mary Holm: Think hard before ditching life policy](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Mary Holm: Think hard before ditching life policy
COMMENT: Shop around. That's the best way to see if you're getting a fair deal.
![Diana Clement: KiwiSaver cash-up not a cue for spending spree](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Diana Clement: KiwiSaver cash-up not a cue for spending spree
COMMENT: Cashing up your KiwiSaver - it's what you do with your squillions when you reach 65, isn't it?
![Flat-pack home ordered via smartphone](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Flat-pack home ordered via smartphone
Building apprentices with technology smarts will soon be in demand.
![Kiwi tax refunds up 23pc](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Kiwi tax refunds up 23pc
The average Kiwi tax refund has increased 23 per cent over the past three years, research has found.
![Brent Sheather: NZ shares vs the rest of the world](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Brent Sheather: NZ shares vs the rest of the world
COMMENT: According to the History channel the D-Day Landings in June of 1944 owed their success, at least in part, to the allies' mis-information strategy.
![Get Sorted: Is insurance a gamble?](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Get Sorted: Is insurance a gamble?
Pushing your luck when considering insurance just puts makes it you against the odds. It's not about that.
![Mary Holm: Ratepayers' options as income shrinks](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Mary Holm: Ratepayers' options as income shrinks
COMMENT: What are the pitfalls and positives of deferring your council rates?
![Capital Markets: Taking a piece of the pie](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Capital Markets: Taking a piece of the pie
Mike Taylor finds untapped gold in small and medium companies, as Bill Bennett reports.
![KiwiSavers 'cash cow' warnings](/pf/resources/images/placeholders/placeholder_l.png?d=795)
KiwiSavers 'cash cow' warnings
KiwiSaver providers have been told by the market regulator to stop treating members as 'cash cows'.
![It's not that hard to have fun, once you retire](/pf/resources/images/placeholders/placeholder_l.png?d=795)
It's not that hard to have fun, once you retire
But having a financial plan can ease the stress and up the sense of freedom and flexibility.
![Naomi Ballantyne: How I got to the top](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Naomi Ballantyne: How I got to the top
An insurance boss says women wanting to make it to the top need to show they are the best at what they do.
![KiwiSaver first home withdrawals soar](/pf/resources/images/placeholders/placeholder_l.png?d=795)
KiwiSaver first home withdrawals soar
ANZ says its KiwiSaver members took our $148m of retirement savings to buy their first home last year.
![Get Sorted: Money gets a bit manic](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Get Sorted: Money gets a bit manic
Making quick tempo choices - especially if there's a credit card involved! - can lead to runaway spending. A two-day or two-person strategy works.
![Diana Clement: Best bargains are the ones you don't buy](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Diana Clement: Best bargains are the ones you don't buy
COMMENT: Owning too much stuff has serious financial consequences. The more you own the more you pay for insurance.
![How low people go to save a buck](/pf/resources/images/placeholders/placeholder_l.png?d=795)
How low people go to save a buck
Some money-savvy people have shared their secrets on how they manage to hold onto a couple of bucks.
![Cheque complaints rise, despite usage falling](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Cheque complaints rise, despite usage falling
Despite their use falling dramatically, problems with cheques have increased.
![KiwiSaver provider offers new income tool](/pf/resources/images/placeholders/placeholder_l.png?d=795)
KiwiSaver provider offers new income tool
This KiwiSaver provider has launched a new online tool to help members figure out how much they're saving for retirement and what kind of income it could give them.
![Get Sorted: Dropping D-words](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Get Sorted: Dropping D-words
It's not the prettiest of terms, but we may as well get acquainted with the challenges of "decumulation", Tom Hartmann writes.
![How to turn your roos into homing kiwi](/pf/resources/images/placeholders/placeholder_l.png?d=795)
How to turn your roos into homing kiwi
The only way to get your Australian superannuation savings transferred before retirement is to shift it to a KiwiSaver provider.
![Diana Clement: Where there's a will there's a way to contest it](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Diana Clement: Where there's a will there's a way to contest it
COMMENT: Did you hear the one about the inheritance that went to the father's second wife's new husband's next-door-neighbour?
![Mary Holm: $15,000 makes for frugal Thai living](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Mary Holm: $15,000 makes for frugal Thai living
COMMENT: Many foreigners living here agree that you really need $40,000 stashed away somewhere in case of emergencies.
![Missing out on first-home subsidy](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Missing out on first-home subsidy
Aucklanders appear to be being short-changed when it comes to accessing a Government subsidy aimed at helping first home-buyers.
![Call for KiwiSaver education campaign](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Call for KiwiSaver education campaign
KiwiSaver has not made New Zealanders any more financially literate, says new research.
![Zoltan's boat plea gets no callers](/pf/resources/images/placeholders/placeholder_l.png?d=795)
Zoltan's boat plea gets no callers
An Aucklander who came up with a creative solution to skyrocketing house prices has been so far unsuccessful in search for a financial backer to fund the dream.