Student loans – Mary Holm

NZ Herald 13 December 2025

mary — Fri, 12 Dec 2025 11:00:15 +0000

How 22-year-old should handle inheritance Could NZ funds fail, as they did in Australia? Sell 80-year-old’s home, or get reverse mortgage? And is 75 too young for such a mortgage? How much caution in retirement? QMy mother recently passed away and I, along with my siblings, have received an inheritance which I feel anxious about doing right with. I am only 22 years old. I now own a third of...

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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 19 June 2025

mary — Thu, 19 Jun 2025 03:15:22 +0000

Different types of debt — some bad, some good More on credit cards — how not to use them More on buy now pay later debt — how not to use it Mortgage holders should concentrate on other debt Socialising is on the decline while the cost of living rises 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&#

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NZ Herald 14 June 2025

mary — Fri, 13 Jun 2025 12:00:35 +0000

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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NZ Herald 26 October 2024

mary — Fri, 25 Oct 2024 11:00:31 +0000

When you don’t need insurance How stay-at-home mum can keep contributing to KiwiSaver Government is not that mean with KiwiSaver! Steven Joyce doesn’t change my mind on CGT Frequent home trader should be paying tax Make a will even if no recognized next of kin Student loans versus NZ Super QWe have built our business for 20 years and managed to amass a net worth of about $15 million.

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NZ Herald 12 October 2024

mary — Fri, 11 Oct 2024 11:00:54 +0000

Investment lessons might beat lectures Adjust both CGT and income tax for inflation Include shares in CGT An interesting website Death duty — the tax nobody avoids Superannuitants not like students A wonderful windfall Reader doesn’t want to inherit QMy 18-year-old son is off to university next year. For his 18th birthday he got about $1,000 in gifts. He is using a shares app to invest it.

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NZ Herald 5 October 2024

mary — Fri, 04 Oct 2024 11:00:14 +0000

Let’s tax capital gains! 2 Q&As on what to do with shares from work schemes Big dividends are not the point Reader disgusted with using student loan to buy home Man should still have a will Shop around for estate quotes QI have a rental property purchased for $187,000, which is rented to my parents for the last 13 years and is now worth about $700,000. I keep on hearing this capital gain tax...

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NZ Herald 28 September 2024

mary — Fri, 27 Sep 2024 12:00:57 +0000

Okay to use a student loan to buy a house — financially and ethically? Investing for dividends has drawbacks Where are longer-term KiwiSaver returns? Government KiwiSaver boosts dwindle Write a will! What are the costs? QOur daughter is in her fourth year of uni, with three more to go for her PhD. She has been lucky enough that scholarships and savings have covered all her uni fees and living...

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NZ Herald 14 September 2024

mary — Fri, 13 Sep 2024 12:00:54 +0000

Long-term view needed on shares One more argument for KiwiSaver for teens… … Why a grandparent prefers to give a gift at 21 Lotto boss gives his perspective What happens to student loan when you die How long bank takes when a customer dies QYour response last week on KiwiSaver for the grandkids refers. I have accessed Smart Investor on the sorted.org.nz pages that you mentioned and note that most...

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NZ Herald 27 April 2024

mary — Fri, 26 Apr 2024 12:00:52 +0000

2 Q&As on whether to sell investments to pay down debt Should family use more than one KiwiSaver provider? How bitcoin and gold are taxed Let’s stop tax bracket creep QI’m in my mid-forties, with the mortgage on our family home about $150,000 remaining. Our other assets — in various states of liquidity across shares, index funds, crypto, classic car — are also about $150,000.

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