Charities – Mary Holm

NZ Herald 6 June 2026

mary — Fri, 05 Jun 2026 12:00:19 +0000

Unanswerable question – when to buy and sell a share Tax cutting advice is worrying NZ Super already sort of means tested Nobody tells you to apply for Super “It’s time Kiwis were more reliant!” Aussies get big tax break on Super QA couple of years ago I purchased some Rocket Lab shares as a long-term investment. With the recent uplift in share value my initial investment has...

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NZ Herald 23 May 2026

mary — Fri, 22 May 2026 12:00:49 +0000

Will younger people get NZ Super? Raising NZ Super age would be gradual Do all over 65s apply for Super? Generous pensioners … … But one Scrooge! When KiwiSaver and other funds are not what they seem QAs a 48-year-old, there is no way that I will ever receive the state pension, as all Ponzi schemes eventually collapse. So it isn’t an issue for my generation or below. But it is unfair for...

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NZ Herald 28 February 2026

mary — Fri, 27 Feb 2026 11:00:13 +0000

Woman, 63, plans to live in caravan… … Couple who do that wonder about selling the house they rent out Do inflation numbers take shrinkflation into account? How to find a financial adviser I goofed up on a student loan moral issue QI’m 63, single, with $150,000 in KiwiSaver, a home worth about $840,000, mortgage $87,000, and short-term debt $30,000. I own a caravan with annexe 20 minutes...

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NZ Herald 29 November 2025

mary — Fri, 28 Nov 2025 11:00:48 +0000

Good and bad debt — and when good debt goes bad Cryptocurrency hugely volatile, not for the short term Aliens’ view of gold investments KiwiSaver first home withdrawal when buying bare land Meaningful Christmas presents QIn your last column you repeated the usual mainstream advice of paying down debt before investing. Have you read any of the Value of Debt series by Thomas Anderson?

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RNZ Radio 14 August 2025

mary — Thu, 14 Aug 2025 03:15:12 +0000

Lack of fund is source of stress Priorities with your money How much? Where to save — including idea for those with mortgages How to build a fund A “charity fund”? If you use the money… 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 19 July 2025

mary — Fri, 18 Jul 2025 12:00:44 +0000

Low-risk way to invest in rentals Another good way to invest in property, but … Easy way to give to charities KiwiSaver versus term deposits in retirement Big KiwiSaver fee savings, and getting risk right Best way to compare KiwiSaver fees QWhat are your thoughts? My dad, an accountant and 78 years old, has been a landlord coming up 55 years, and he’s never once talked about capital...

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RNZ Radio 17 July 2025

mary — Thu, 17 Jul 2025 03:15:10 +0000

What statement tells you Where to get more info on your situation in retirement How tax on KiwiSaver works Make sure you have a will 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 generous people like you. All Kiwis deserve accurate...

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NZ Herald 12 July 2025

mary — Fri, 11 Jul 2025 12:00:12 +0000

On benefits and inheritances Why share broker asks all those questions Charities make it too hard to give Landlords worse off than tenants? One landlord’s take on it all More landlords equal lower rents Thanks for running angry letter QI am sending this on behalf of my elderly parents (in their late 70s). My sister is mentally ill and on a sickness benefit. She is 50, and owns her own unit...

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NZ Herald 21 December 2024

mary — Fri, 20 Dec 2024 11:00:00 +0000

“It’s fine to tax my gains or estate” NZ Super cheap by world standards 2 Q&As about not means testing Super Don’t retire! Or if you do, volunteer Angry letter about something or other Some kind letters QI’m a boomer who has received a significant tax-free inheritance and has also benefited from untaxed capital gains. I expect my estate will eventually distribute considerable funds when...

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NZ Herald 14 December 2024

mary — Fri, 13 Dec 2024 11:00:50 +0000

Sorry but a motorhome is not a home! Don’t forget dividends when judging ETF performance Could a US share crash be coming? A warning about charity donations, but…. Defending luck, again! Means testing NZ Super not the answer QI’ve just read about a couple cashing in their KiwiSaver balances to buy their first home. They plan to start saving again for retirement in their 50s. This has got me...

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