Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 16 Apr 2021 08:06:21 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.10 NZ Herald 17 April 2021 https://maryholm.com/nz-herald-17-april-2021/ Fri, 16 Apr 2021 12:00:18 +0000 https://maryholm.com/?p=10816 Sorry but I won’t ban the expression “property ladder” Non-bank mortgage lenders are needed Risks of property syndicate investments Would fewer landlords be bad for tenants? Loss of deduction unfair to landlords — but hey! QI’m currently reading your latest book, A Richer You, and am a follower of your column in the Herald. I am rather intrigued by a phrase you use. It does not seem to sit well...

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NZ Herald 10 April 2021 https://maryholm.com/nz-herald-10-april-2021/ Fri, 09 Apr 2021 12:00:40 +0000 https://maryholm.com/?p=10811 Mortgages not a good substitute for term deposits — try managed funds Where to save house deposit Last week’s renter/landlord not so badly off … … Some ideas for her, but they’re not great Will landlords be able to raise rents? A better idea on bright-line test Finally — lovely feedback from a mother QI have $300,000 to invest but I have decided not to continue with term deposits with my bank as...

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RNZ Radio 8 April 2021 https://maryholm.com/rnz-radio-8-april-2021/ Thu, 08 Apr 2021 02:10:54 +0000 https://maryholm.com/?p=10808 (But first — a quick follow-up on share trading) Defensive and conservative funds, in and out of KiwiSaver Where to get info — Smart Investor tool. Look for low fees. Don’t panic when balance falls a bit Comparison with bank term deposits: Pluses — withdrawals, PIE tax, safety Minuses — fees, don’t know returns, some volatility Listen to the segment below, or click here to read Radio NZ’.

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NZ Herald 3 April 2021 https://maryholm.com/nz-herald-3-april-2021/ Fri, 02 Apr 2021 11:00:37 +0000 https://maryholm.com/?p=10800 Reader hurt two ways by government housing changes Why older landlords might be happy to sell House price slide might be no bad thing Were these tenants treated badly? Generous landlord might attract Inland Revenue’s eye … … An example of this QI have recently purchased my first home after saving hard and making a deposit on a house in Hamilton. I couldn’t afford Auckland so decided to buy...

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NZ Herald 27 March 2021 https://maryholm.com/nz-herald-27-march-2021/ Fri, 26 Mar 2021 11:00:49 +0000 https://maryholm.com/?p=10792 Why one KiwiSaver fund has done extraordinarily well… … and will it — and other star performers — keep starring? Did I get it wrong about property managers last week? Is not raising rents poor business practice? Are pushy property managers only in Whangarei? QI am writing to ask about the Quaystreet NZ Equity KiwiSaver fund. On sorted.org.nz’s KiwiSaver Fund Finder this scheme is rated as having...

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RNZ Radio 25 March 2021 https://maryholm.com/rnz-radio-25-march-2021/ Thu, 25 Mar 2021 02:15:57 +0000 https://maryholm.com/?p=10788 Runners up and winners of 5 copies of Mary’s new book, A Richer You — how to make the most of your money. Some themes in the entries: Money and happiness Families and finances Shopping Investing in shares Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts. Subscribe free to Mary’s RNZ podcast here. No paywalls or ads — just...

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NZ Herald 20 March 2021 https://maryholm.com/nz-herald-20-march-2021/ Fri, 19 Mar 2021 11:00:00 +0000 https://maryholm.com/?p=10744 Letter from landlords shows who is pushing for rent rises News soon for Bonus Bond holders Another way to invest in international share funds Results of last week’s book giveaway QThe attached letter, published in the local Whangarei paper “The Leader” may interest you. It is eye opening to me and should be to anyone who reads it. AThe letter is from two Aucklanders who bought a...

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NZ Herald 13 March 2021 https://maryholm.com/nz-herald-13-march-2021/ Fri, 12 Mar 2021 11:00:34 +0000 https://maryholm.com/?p=10734 How family might help you buy a first home How to find a New Zealand-based international share fund Don’t worry about these complications of international share investing Health insurer Southern Cross answers a reader’s questions about its finances Win a free copy of Mary’s new book! My new book, “A Richer You: How to make the most of your money”, is coming into bookshops about now. You can buy it...

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RNZ Radio 11 March 2021 https://maryholm.com/rnz-radio-11-march-2021/ Thu, 11 Mar 2021 02:15:23 +0000 https://maryholm.com/?p=10731 But first — win a copy of Mary’s new book! Make emergency money your second to top priority When things go wrong… How much do you need? How to set up saving for this Where to keep the money Use your mortgage? Charity fund? If you use the money, top up again! Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts.

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NZ Herald 6 March 2021 https://maryholm.com/nz-herald-6-march-2021/ Fri, 05 Mar 2021 11:00:59 +0000 https://maryholm.com/?p=10686 Couple should follow their lifestyle block dream Why shareholder loyalty to NZ share may be misguided Must you use money tied up in your home for investments? Kind landlord helps others into their own homes QI am in my early fifties and my husband is in his early sixties. We became mortgage-free five years ago. My husband is big on saving for our retirement, while I would like to live a little.

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