Insurance – Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 15 May 2026 11:41:54 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 RNZ Radio 14 May 2026 https://maryholm.com/rnz-radio-14-may-2026/ Thu, 14 May 2026 03:15:55 +0000 https://maryholm.com/?p=12792 What is covered and what not? How to make the most of it Use a higher-risk deposit taker to get more interest? 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, unbiased financial guidance. So let&#

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NZ Herald 14 March 2026 https://maryholm.com/nz-herald-14-march-2026/ Fri, 13 Mar 2026 11:00:04 +0000 https://maryholm.com/?p=12758 Should 78-year-old sell her home to neighbours and rent from them? Life insurance no longer needed Does CPI inflation include surcharges? Modern caravans not like the old days Many ideas for spending inheritance 2 Q&As on ethics around student loans QMy mum (78) lives alone in a house in Sandringham worth about $1.5 million. She’s currently still working full time but probably not for...

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NZ Herald 13 September 2025 https://maryholm.com/nz-herald-13-september-2025/ Fri, 12 Sep 2025 12:00:32 +0000 https://maryholm.com/?p=12646 Where to put proceeds from downsizing house Consider non-banks for term deposits — but is it easy? 2 Q&As on the best way to do health insurance Fairness and KiwiSaver contributions to over-65s Employers’ role in KiwiSaver … and one former employer’s good approach QI’ve recently downsized my house and have money to invest, which I intend to leave until I retire in 10...

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NZ Herald 6 September 2025 https://maryholm.com/nz-herald-6-september-2025/ Fri, 05 Sep 2025 12:00:44 +0000 https://maryholm.com/?p=12641 Deposit compensation up and running What if someone pulls out of the scheme? KiwiSaver total remuneration defended What’s fair for over-65s in KiwiSaver? Total remuneration tempts people, who will later regret it Best way to self insure for health costs Couple has been lucky with health — so far! QI was following with interest the moves to introduce savings guarantees...

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NZ Herald 30 August 2025 https://maryholm.com/nz-herald-30-august-2025/ Fri, 29 Aug 2025 12:00:05 +0000 https://maryholm.com/?p=12634 Biggest KiwiSaver provider ANZ’s policy not good for employees Couple are perfect candidates for reverse mortgage Are health insurance premiums negotiable? Some fans of health insurance QSomething that’s been a bugbear of mine is that ANZ, as the largest KiwiSaver provider and one of the largest employers in the country, does not offer KiwiSaver employer contributions for a large...

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NZ Herald 23 August 2025 https://maryholm.com/nz-herald-23-august-2025/ Fri, 22 Aug 2025 12:00:01 +0000 https://maryholm.com/?p=12625 Scam warning Good way to help family members with a mortgage Don’t try to predict share crashes — it doesn’t work 2 Q&As on why you may not need health insurance A Facebook page and an entry in Instagram have recently appeared claiming to be mine, and suggesting people join me in some investments. I have nothing to do with this, and I’m trying to get it taken down.

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NZ Herald 16 August 2025 https://maryholm.com/nz-herald-16-august-2025/ Fri, 15 Aug 2025 12:00:20 +0000 https://maryholm.com/?p=12603 A way to build family wealth When a couple of percentage points matters Don’t drop health insurance … … how much in savings do you need if you do? When you should and shouldn’t switch risk level Timing markets not as easy as it sounds QMy son and I have been talking about long-term family financial security. He wrote the following and asked for my thoughts.

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RNZ Radio 31 July 2025 https://maryholm.com/rnz-radio-31-july-2025/ Thu, 31 Jul 2025 03:15:26 +0000 https://maryholm.com/?p=12588 Survey: we don’t insure what matters most Why that might be? Does self insurance work? Is insurance a good deal? Ways to cut insurance costs Self-employed should stick with KiwiSaver 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...

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NZ Herald 28 June 2025 https://maryholm.com/nz-herald-28-june-2025/ Fri, 27 Jun 2025 12:00:50 +0000 https://maryholm.com/?p=12565 Should rents be increased? … or capped? KiwiSaver for teens No KiwiSaver winners in Budget? — but better rates rebates Home help for the elderly 2 letters on health insurance excesses Reverse mortgage on an apartment? QYour recent analysis rightly noted that owning a home often costs more than renting the same property, once all expenses are considered. This implies renting may be the more...

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NZ Herald 14 June 2025 https://maryholm.com/nz-herald-14-june-2025/ Fri, 13 Jun 2025 12:00:35 +0000 https://maryholm.com/?p=12558 Speed up student loan payments or invest? Pay off mortgage or invest? How to deal with high health insurance costs Paying Off High Interest Debt QI’m currently paying off my $10,000 student loan, which is scheduled to be fully repaid late next year. I’m also contributing $50 a fortnight to a low-cost index fund to support my retirement savings. Would it be more beneficial to redirect...

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