New Zealanders who do not have time to shop around are being left out of pocket by retailers' discounting strategies, experts say.

What's holding Kiwis back financially? Is it the Government, employers, poor wages, untrustworthy financial professionals, greedy baby-boomers who "got it all for free", youth unemployment, the recession, the dollar, immigration or a host of other excuses

Mary Holm answers your questions on personal finance.

We have the chance right now to make a real difference to the quality of life our newest employees will enjoy when they retire, writes Peter Neilson.

Bernard Hickey writes: In the past couple of years, borrowers and bankers haven't thought of money as being in short supply.

Former Hanover Finance boss Mark Hotchin is again trying to sell his luxury Waiheke Island property and doesn't have a fixed price in mind.

Kidicorp's CFO Bruce Woodward has been convicted of tax evasion and perjury, but is keeping his job at the daycare centre chain.

Every year thousands of Kiwis will get a first-hand look at the Property (Relationships) Act. If their legal, civil union or de facto "marriage" has broken down they will almost certainly have assets or debts to split.

A British company offering huge financial returns to NZ investors is registered to a woman living in an offshore tax haven who was also linked to nearly 180 shell companies here.

Looks like details of the long-awaited Mighty River Power float are set to be released on Monday with the Government raring to go after receiving the all clear from the Supreme Court.

New Zealand is considering a system which would pay whistleblowers to come forward with fraud-related tips.

My adult daughter - my only child - has been living with her partner for nearly four years in a relationship that may or may not last - it seems to be up and down.

A man jailed for card-skimming was found with electronic gear in his luggage by Customs, but was allowed him to keep it because there were no laws to confiscate it.

Finance companies are forcing customers to sign waivers allowing them to seek private information from dozens of government departments and private companies.

Jailed former Bridgecorp director Gary Urwin has been struck off the professional body of chartered accountants and ordered to pay $7000.

Nearly half of all New Zealanders are now paying into KiwiSaver but many people are still wondering what is actually happening to the money they put in. Join us for Part Three in our beginner's guide to KiwiSaver. Five years since it kicked off, KiwiSaver is still a mystery to many New Zealanders and we decided to provide a simple guide which covers the nuts and bolts. Experts Mary Holm and Chris Douglas tackle all the basic questions in a way which is easy to understand and jargon-free.

Editorial: The Nga Tangata Microfinance Trust in South Auckland seems to be providing a less businesslike but no less welcome solution for some of the indebted poor in this country.

Catriona MacLennan writes: "The Government will be making a serious mistake and missing a major opportunity if it disregards one of the key recommendations of the Expert Advisory Group on Solutions to Child Poverty."

With nearly two million members and $12.8 billion invested in KiwiSaver, nzherald.co.nz is launching a four-part video series about the retirement savings scheme. Join us for Part Four in our beginners guide to KiwiSaver.

A group of Auckland charities have quietly started lending money at zero interest rates to low-income families in a pilot project which may drive loan sharks out.

A financial adviser stole $4.7m from investors and spent some of the money on a lavish lifestyle that included three Porsche sports cars.