u/Significant-Base4396

Most retirement calculators seem to assume that your main house will only contribute to retirement 'savings' if a person downsizes. I assume that's because most people intend on passing on the house as an inheritance to children.

I'm in my early 40's and single (likely will be for life at this stage!), and without children. My kiwisaver balance is projected to be $550K upon retirement and I should be mortgage free by 60. On the current market, my house is worth somewhere around the $625K mark. What's the best way to factor in that asset, expecting it will pay for a care home in late life and, if I'm healthy enough, some travel? Rent it out until I end up in care? Sell it and pay rent myself? Reverse mortgage to the hilt? Sell the house and live in a caravan? What have others done?

I just told Athens Yacht Club restaurant it was rude in NZ to ask for tips. They kept repeating 'it's optional' but that completely misses the point. AITA? Don't want that American crap taking hold here. Frankly I think it's culturally insensitive to ask for tips in NZ.

I'm fairly new to chch - how often are people watering their gardens this time of year? I have a couple of fruit trees and herbs. In Wellington I'd have stopped a couple of months ago, but it seems quite dry here and I'm not sure how much the cooler weather balances that out for watering.

Has anyone come across run times for this? I've been double booked and trying to figure out if I can just head to the stadium later than 5pm since I'm only interested in the main acts.