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Articles by Aaron Gilbert
We need to stop asking if NZ can afford its superannuation scheme. It’s the wrong question Original
Like many countries, New Zealand has an ageing population. Retirees are living longer while fertility rates have fallen. The number of workers relative to retirees will decline. If nothing changes, NZ Super will consume an increasing share of GDP and government revenue. The Treasury is therefore right to ask whether current arrangements are sustainable. And Finance Minister Nicola Willis is also right to want a “mature, grown-up conversation” about it.
We need to stop asking if NZ can afford its superannuation scheme. It’s the wrong question
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We need to stop asking if NZ can afford its superannuation scheme. It’s the wrong question
© 2026 Tolerance.ca ® Inc. All reproduction rights reserved. All information reproduced on the Web pages of www.tolerance.ca (including articles, images, photographs, and logos) is protected by intellectual property rights owned by Tolerance.ca ® Inc. or, in certain cases, by its author. Any reproduction of the information for use other than personal use is prohibited.
Four in 10 young people don't see 'buy now, pay later' as debt
Credit: Julio Lopez from Pexels The way a product is labeled can change how consumers think about it. "No added sugar" or "99% fat-free" can make food sound healthier than it really is. The same might apply to buy now, pay later schemes. Marketed as a convenient way to pay for purchases over time, they are fundamentally still a form of debt.
‘Buy now, pay later’ doesn’t feel like debt. For young people, that can be a big problem
The way a product is labelled can change how consumers think about it. “No added sugar” or “99% fat free” can make food sound healthier than it really is. The same might apply to buy now, pay later schemes. Marketed as a convenient way to pay for purchases over time, they are fundamentally still a form of debt. Products such as Afterpay, Klarna and Zip (which recently exited the New Zealand market) offer consumers access to items they may not be able to immediately afford.
NZ’s retirement debate: Will tinkering today spell more trouble tomorrow?
For generations of New Zealanders, a lifetime of work has come with the promise of a secure and happy retirement. Today, however, that notion of golden years spent in relative comfort is slipping out of reach for a growing number of struggling retirees. Without a serious policy rethink, younger New Zealanders may face an even tougher reality when their time to leave the workforce comes. Despite… Read complete article © The Conversation -
NZ’s retirement debate: Will tinkering today spell more trouble tomorrow? Original
For generations of New Zealanders, a lifetime of work has come with the promise of a secure and happy retirement. Today, however, that notion of golden years spent in relative comfort is slipping out of reach for a growing number of struggling retirees. Without a serious policy rethink, younger New Zealanders may face an even tougher reality when their time to leave the workforce comes.
KiwiSaver payments have to rise – but earners shouldn’t be penalised if they can’t afford it
The 2020s haven’t exactly been a golden age for getting ahead. First came COVID, when job security evaporated overnight. Then the cost-of-living crisis, when everyday expenses surged far faster than incomes. Now, global instability is pushing fuel prices higher again, squeezing household budgets even tighter. For many New Zealanders, “getting ahead” has quietly become “just getting through”.
The Iran crisis is hitting KiwiSaver balances – but market volatility can work for you too
As well as checking the news for updates on events in the Middle East, many New Zealanders are also nervously checking their KiwiSaver balances. What they see is more than a snapshot of their own savings, it’s a window onto world events – in particular the rough ride stock markets are having as the price of oil spikes because of the US-Israeli attack on Iran.
The Iran crisis is hitting KiwiSaver balances – but market volatility can work for you too
© 2026 Tolerance.ca ® Inc. All reproduction rights reserved. All information reproduced on the Web pages of www.tolerance.ca (including articles, images, photographs, and logos) is protected by intellectual property rights owned by Tolerance.ca ® Inc. or, in certain cases, by its author. Any reproduction of the information for use other than personal use is prohibited.
my denon wont play my sub, advice please
Hello, I've had some difficulties with my denon 989 that I just got. My last problem is that I can't seem to get my sub to play during music/movies. However when I do the test tones, it will play correctly. I'm using a Hsu vtf 3.3 turbo. Previously I had a 2.3 and we deemed it defective after it made some odd noises, but I'm positive the new sub is just fine. I've set my sub to ON and LFE in the manual set up, and the picture on my receiver shows the FL, FR, and SW lit up during play back.
Lifting Kiwisaver contributions to 12% makes sense - when the whole scheme is fixed
On the face of it, the National Party’s proposal to lift KiwiSaver contributions to 12% over the next six years sounds reasonable. There’s broad agreement that contributions are too low, and even the planned increase to 4% in 2028 won’t get most people close to the widely cited “70% of retirement income” benchmark. So yes, employee and employer contributions do need to rise. And the argument that lifting contributions to 12% will align New Zealand with Australia makes good sense, too.
Lifting Kiwisaver contributions to 12% makes sense - when the whole scheme is fixed
© 2025 Tolerance.ca ® Inc. All reproduction rights reserved. All information reproduced on the Web pages of www.tolerance.ca (including articles, images, photographs, and logos) is protected by intellectual property rights owned by Tolerance.ca ® Inc. or, in certain cases, by its author. Any reproduction of the information for use other than personal use is prohibited.
Lifting Kiwisaver contributions to 12% makes sense - when the whole scheme is fixed Original
On the face of it, the National Party’s proposal to lift KiwiSaver contributions to 12% over the next six years sounds reasonable. There’s broad agreement that contributions are too low, and even the planned increase to 4% in 2028 won’t get most people close to the widely cited “70% of retirement income” benchmark. So yes, employee and employer contributions do need to rise. And the argument that lifting contributions to 12% will align New Zealand with Australia makes good sense, too.
KiwiSaver at a crossroads: budget another missed opportunity to fix NZ’s underperforming retirement scheme
When KiwiSaver was introduced in 2007 it was built on a stark reality: New Zealand Super alone will not be enough for most people to retire with dignity. As the population ages and the cost of superannuation continues to climb, the gap between what the state provides and what retirees actually need is only going to grow. KiwiSaver was designed to bridge that gap – to give New Zealanders a fighting chance at financial independence in retirement.
KiwiSaver at a crossroads: Budget another missed opportunity to fix NZ's underperforming retirement scheme
By Aaron Gilbert of Analysis: When KiwiSaver was introduced in 2007 it was built on a stark reality: New Zealand Super alone will not be enough for most people to retire with dignity. As the population ages and the cost of superannuation continues to climb, the gap between what the state provides and what retirees actually need is only going to grow. KiwiSaver was designed to bridge that gap - to give New Zealanders a fighting chance at financial independence in retirement.
KiwiSaver at a crossroads: Budget another missed opportunity to fix NZ's underperforming retirement scheme
By Aaron Gilbert of Analysis: When KiwiSaver was introduced in 2007 it was built on a stark reality: New Zealand Super alone will not be enough for most people to retire with dignity. As the population ages and the cost of superannuation continues to climb, the gap between what the state provides and what retirees actually need is only going to grow. KiwiSaver was designed to bridge that gap - to give New Zealanders a fighting chance at financial independence in retirement.
KiwiSaver at a crossroads: budget another missed opportunity to fix NZ’s underperforming retirement scheme
© 2025 Tolerance.ca ® Inc. All reproduction rights reserved. All information reproduced on the Web pages of www.tolerance.ca (including articles, images, photographs, and logos) is protected by intellectual property rights owned by Tolerance.ca ® Inc. or, in certain cases, by its author. Any reproduction of the information for use other than personal use is prohibited.
KiwiSaver at a crossroads: budget another missed opportunity to fix NZ’s underperforming retirement scheme
When KiwiSaver was introduced in 2007 it was built on a stark reality: New Zealand Super alone will not be enough for most people to retire with dignity. As the population ages and the cost of superannuation continues to climb, the gap between what the state provides and what retirees actually need is only going to grow. KiwiSaver was designed to bridge that gap – to give New Zealanders a fighting chance at financial independence in retirement.
budget another missed opportunity to fix NZ’s underperforming retirement scheme
When KiwiSaver was introduced in 2007[1] it was built on a stark reality: New Zealand Super alone will not be enough for most people to retire with dignity. As the population ages and the cost of superannuation continues to climb, the gap between what the state provides and what retirees actually need is only going to grow. KiwiSaver was designed to bridge that gap – to give New Zealanders a fighting chance at financial independence in retirement.
KiwiSaver shakeup: private asset investment has risks that could outweigh the rewards
New Zealand’s superannuation is no longer enough to live on for the country’s retirees. Research has found people need hundreds of thousands in savings to live a comfortable life after work. But the KiwiSaver scheme, introduced in 2007 to encourage New Zealanders to build their retirement savings, continues to be a political football. Since its creation, there have been multiple tweaks to the scheme, threatening to undermine its core purpose: supporting New Zealanders in their retirement.
KiwiSaver shakeup: private asset investment has risks that could outweigh the rewards
New Zealand’s superannuation is no longer enough to live on for the country’s retirees. Research has found people need hundreds of thousands in savings to live a comfortable life after work. But the KiwiSaver scheme, introduced in 2007 to encourage New Zealanders to build their retirement savings, continues to be a political football. Since its creation, there have been multiple tweaks to the scheme, threatening to undermine its core purpose: supporting New Zealanders in their retirement.
KiwiSaver shakeup: private asset investment has risks that could outweigh the rewards
© 2025 Tolerance.ca ® Inc. All reproduction rights reserved. All information reproduced on the Web pages of www.tolerance.ca (including articles, images, photographs, and logos) is protected by intellectual property rights owned by Tolerance.ca ® Inc. or, in certain cases, by its author. Any reproduction of the information for use other than personal use is prohibited.
Want NZ banking to be more competitive? Then make it easier to switch banks
The Commerce Commission’s banking market study has concluded more competition is required to reduce the profits of the big four banks. But the report suggests increasing competition may be ineffective unless customers are easily able and willing to switch between banks. In 2023, the four Australian banks operating in New Zealand made approximately NZ$7.1 billion in profit, representing $1,400 per person. Despite many customers struggling due to increasing mortgage costs, the banks’ profits rose.
Want NZ banking to be more competitive? Then make it easier to switch banks
© 2024 Tolerance.ca ® Inc. All reproduction rights reserved. All information reproduced on the Web pages of www.tolerance.ca (including articles, images, photographs, and logos) is protected by intellectual property rights owned by Tolerance.ca ® Inc. or, in certain cases, by its author. Any reproduction of the information for use other than personal use is prohibited.
Want NZ banking to be more competitive? Then make it easier to switch banks
The Commerce Commission’s banking market study has concluded more competition is required to reduce the profits of the big four banks. But the report suggests increasing competition may be ineffective unless customers are easily able and willing to switch between banks. In 2023, the four Australian banks operating in New Zealand made approximately NZ$7.1 billion in profit, representing $1,400 per person. Despite many customers struggling due to increasing mortgage costs, the banks’ profits rose.
Want NZ banking to be more competitive? Then make it easier to switch banks
The Commerce Commission’s banking market study[1] has concluded more competition is required to reduce the profits of the big four banks. But the report suggests increasing competition may be ineffective unless customers are easily able and willing to switch between banks. In 2023, the four Australian banks operating in New Zealand made approximately NZ$7.1 billion in profit[2], representing $1,400 per person.
Want NZ banking to be more competitive? Then make it easier to switch banks
The Commerce Commission’s banking market study[1] has concluded more competition is required to reduce the profits of the big four banks. But the report suggests increasing competition may be ineffective unless customers are easily able and willing to switch between banks. In 2023, the four Australian banks operating in New Zealand made approximately NZ$7.1 billion in profit[2], representing $1,400 per person.
If it looks like debt, let's treat it like debt - 'buy now, pay later' schemes need firmer regulation in NZ
There are few stores without an Afterpay logo displayed on the door, or that don’t offer Laybuy at their online checkout. And these schemes are particularly popular with younger consumers. But what price might these buyers be paying for the conveniences of buy now, pay later? Our new research investigated how young New Zealand adults use debt. What we found suggests greater regulation of delayed payment schemes is needed.
AN ORGANIC HIT: Food and fibre authenticator Zondii named Australia's Best Regional Startup
Imagine if you could detect disease in ginger, fraud in Manuka honey and adulteration of tea tree oil using a smartphone? Those capabilities are among the plans of Zondii, winner of the 2023 Startup Daily Best in Tech Awards’ Best Regional Startup award, sponsored by Investment NSW. From Armidale in NSW’s northern tablelands, this innovative female-founded agtech startup is putting power and profits into the hands of farmers via their smartphones.
Buy now pay later is turning into a massive problem, rather than solution, for younger New Zealanders, trapping them in debt
There are few stores without an Afterpay logo displayed on the door, or that don’t offer Laybuy at their online checkout. And these schemes are particularly popular with younger consumers. But what price might these buyers be paying for the conveniences of buy now, pay later? Our new research investigated how young New Zealand adults use debt. What we found suggests greater regulation of delayed payment schemes is needed.
If it looks like debt, let’s treat it like debt - ‘buy now, pay later’ schemes need firmer regulation in NZ Original
There are few stores without an Afterpay logo displayed on the door, or that don’t offer Laybuy at their online checkout. And these schemes are particularly popular with younger consumers. But what price might these buyers be paying for the conveniences of buy now, pay later? Our new research investigated how young New Zealand adults use debt. What we found suggests greater regulation of delayed payment schemes is needed.
5 tipe kepribadian uang: kamu yang mana?
Saat berhadapan dengan uang, apakah kamu termasuk yang boros pemboros atau yang gemar menabung? Apakah kamu mudah mengeluarkan uang atau cenderung mengabaikan tuntutan finansial hingga keadaannya mendesak? Setelah puluhan tahun kita mengasah literasi keuangan, semakin jelas bahwa pengelolaan keuangan yang baik tak hanya soal akses terhadap informasi. Kini, riset telah mengidentifikasi lima jenis “kepribadian uang” yang berbeda, yang menggambarkan bagaimana kita menghabiskan uang.
Know thyself, know thy finances: which of the 5 money personalities are you? Original
When it comes to money, are you a big spender or a fearful saver? Do you give away all your money or ignore financial demands until they become urgent? After decades of focus on financial literacy, it has become clear there is more to how we manage our money than access to information. Now new research has identified five distinct money personalities that drive how we spend.
Don't let financial shame be your ruin: Open conversations can help ease the burden of personal debt
Nearly two-thirds of New Zealanders are worried about the cost of living, and a quarter are worried about putting food on the table. But the shame that can come with financial stress is preventing some people from seeking help. According to a recent survey, a third of New Zealanders were not completely truthful with their family or partners about the state of their finances, and 12% actively hid their debt. This shame and worry about money can spill over into addiction, violence and suicide.
Don’t let financial shame be your ruin: open conversations can help ease the burden of personal debt
Nearly two-thirds of New Zealanders are worried about the cost of living, and a quarter are worried about putting food on the table. But the shame that can come with financial stress is preventing some people from seeking help. According to a recent survey, a third of New Zealanders were not completely truthful with their family or partners about the state of their finances, and 12% actively hid their debt. This shame and worry about money can spill over into addiction, violence and suicide.
Want to support companies that support women? Look at your investments through a ‘gender lens’ | Techblog
Gender equity continues to be a significant problem in business globally. We all know the story: the gender pay gap is a persistent issue and female-dominated industries tend to be lower paid. Female representation in senior leadership and board positions remains low in many countries, particularly in Aotearoa New Zealand. Women comprise only 28.5% of director positions across all NZX-listed companies and just 23.7% at companies outside of the NZX’s top 50.
Want to support companies that support women? Look at your investments through a 'gender lens'-here's how Original
Gender equity continues to be a significant problem in business globally. We all know the story: the gender pay gap is a persistent issue and female-dominated industries tend to be lower paid. Female representation in senior leadership and board positions remains low in many countries, particularly in Aotearoa New Zealand. Women comprise only 28.5% of director positions across all NZX-listed companies and just 23.7% at companies outside of the NZX's top 50.
Want to support companies that support women? Look at your investments through a ‘gender lens’ - here’s how
Gender equity continues to be a significant problem in business globally. We all know the story: the gender pay gap is a persistent issue and female-dominated industries tend to be lower paid. Female representation in senior leadership and board positions remains low in many countries, particularly in Aotearoa New Zealand. Women comprise only 28.5% of director positions across all NZX-listed companies and just 23.7% at companies outside of the NZX’s top 50.
How New Zealanders miss out on hundreds of thousands in retirement savings
In the 12 years since New Zealand introduced the retirement fund KiwiSaver, nearly three million New Zealanders have enrolled and 30 KiwiSaver providers are now collectively managing NZ$57 billion in investments. But questions are being asked about whether KiwiSaver members pay too much. A recent report commissioned by the Financial Markets Authority shows that New Zealand funds charge on average 25% to 50% more than equivalent UK funds.
Illegal jerseys: FAMU penalized before kickoff against Arkansas
Florida A&M got off on the wrong foot in its game against Arkansas Thursday. The Rattlers were penalized before the game even started because they were wearing illegal jerseys, according to CBS Sports. The penalty for illegal jerseys? The team loses a one timeout at the start of each quarter. According to rule 1-4.5-b, the numbers on the jersey must contrast the base color of the jersey.
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