Rental property – Mary Holm

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 14 February 2026

mary — Fri, 13 Feb 2026 11:00:47 +0000

How to help student financially — and KiwiSaver tip for parents of teens Reader caught in scam impersonating me Bitcoin plunge a warning for all investors — like tulip mania Where to invest proceeds from selling rental QMy daughter starts her first year of university this year and could be studying for three to five years. We have $10,000 ready to pay for her first year.

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NZ Herald 31 January 2026

mary — Fri, 30 Jan 2026 11:00:38 +0000

Note to readers: fortnightly column Couple in 70s should sell 1 of 2 rentals and relax How to invest savings in retirement … … and for other goals such as uni The power of reinvesting dividends — and when not to What if KiwiSaver access age rises? From now on this column will be published fortnightly. I’ve got books to write and other plans to keep me busy. But I still love receiving your...

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NZ Herald 6 December 2025

mary — Fri, 05 Dec 2025 11:00:40 +0000

Couple in 70s sell home to fund retirement fun While couple in 50s may choose to stay renting How young reader may get into housing market Where are those tiny KiwiSaver fees? QWe are in our early 70s, retired, and will shortly have about $1 million from the sale of our house. Does it makes more sense to tip that sum into KiwiSaver or give it to a wealth management company? We are mortgage-free...

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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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NZ Herald 22 November 2025

mary — Fri, 21 Nov 2025 11:00:16 +0000

House-sitting their way to home ownership — and keeping debt down Gold v share funds v rental property Is burying your gold a good idea? Unusual Simplicity fund investments Correction on share fund tax QI’m a 33-year-old woman and house-sit full-time with my partner to save paying rent. We are currently waiting to finalise the purchase of 825 square metres of land, which we expect to settle...

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NZ Herald 25 October 2025

mary — Fri, 24 Oct 2025 11:00:33 +0000

Reader gets no gain from being in KiwiSaver 2 Q&As about last week’s retired couple planning to sell their home and rent Who offers “build-to-rent” properties? Reader challenges 4.6% on a term deposit QI have recently started working for an employer who treats KiwiSaver employer contributions as part of total remuneration, or salary sacrifice. And I am fortunate or...

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NZ Herald 18 October 2025

mary — Fri, 17 Oct 2025 11:00:00 +0000

Retirees plan to sell home, rent, and have fun How compensation works if finance company fails Your KiwiSaver tax rate is checked by Inland Revenue Clarification on tax when you rent out your bach QDo you see anything wrong with this scenario? My wife and I are in our early 70s, with limited savings and a mortgage-free house that is worth around $750,000 in today’s market. So we can do more...

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NZ Herald 11 October 2025

mary — Fri, 10 Oct 2025 11:00:03 +0000

Renting out a bach can be complicated Don’t give bank account number to a possible scammer Defining managed, active and passive funds Problems with proving who you are Rare praise for a bank QRenting out a holiday home is not as straightforward as implied in last week’s column. As I’m sure you know, it can incur GST if the turnover goes over the $60,000 threshold, or if you are...

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NZ Herald 4 October 2025

mary — Fri, 03 Oct 2025 11:00:21 +0000

A bank account for a couch surfer No, it’s not me! Scam warning Reader excited by recent returns … … While another gets a little bit brave Now retired, we’re selling our rental Is renting out bach a good idea? QI don’t have any million-dollar properties, so this is probably outside of your usual area of expertise. A few years ago I was kicked out of my rental because...

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