Article – RNZRNZ money correspondent Susan Edmunds answers your questions.Susan Edmunds, Money CorrespondentGot questions? You can also sign up to RNZ’s new money newsletter, Money with Susan Edmunds. Does the bright-line test really discourage property speculation or does it simply help people to avoid paying tax? “Inland Revenue have also provided more practical guidance for taxpayers, including this property tax decision tool.”Why do we pay tax on benefits? Listen to No Stupid Questions with Susan EdmundsI am seeking your advice regarding my husband’s KiwiSaver contributions.