Kiwi Saver, Mary Holm financial writer and columnist

  Independent and down to earth financial info you can trust
  from Mary Holm, New Zealand's most widely read investment writer

Archives

Read Mary's current Herald column on-line now, listen to recent radio broadcasts, or search the archives for previous subjects in her Herald and syndicated columns or broadcasts.


Real estate buying and selling

The following is a selection of articles and radio broadcasts mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.

Articles

NZ Herald 4 February 2017

Q&As: How much emergency money, and where should it be invested?
- When it's a good idea to keep your bank at arm's length
- Should young couple buy a home now, or wait and hope on prices and exchange rates?
- Best way to compare KiwiSaver funds

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NZ Herald 19 November 2016

Q&As: NZ tops the world - so it might be better to wait to buy a house
- KiwiSaver tax credit still $521
- Share fund not so great - especially if you check what it's measured against

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NZ Herald 15 October 2016

Q&As: Like it or not, retiree didn't directly contribute to NZ Super he now receives
- Buying leasehold property is for high risk takers only
- KiwiSaver first home withdrawal rules much less than grant rules
- Dividends beat bank interest, but riskier

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NZ Herald 10 September 2016

Q&As: Ethical investing can be effective - even if it's not done perfectly
- KiwiSaver tax credit continues if you're overseas briefly
- Deduction of overseas pension from NZ Super the only fair way

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NZ Herald 20 August 2016

Q&As: Borrowing to invest in shares raises risk - and rewards
- Buying shares directly versus using a KiwiSaver fund
- Reader shouldn't worry that KiwiSaver first home withdrawal will stop

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NZ Herald 13 August 2016

Q&As: Couple should try share investing, despite the '87 crash
- Current interest rates not too bad, because inflation is so low
- Should family move once or twice?
- A reader's suggestions for last week's couple not all that helpful

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NZ Herald 6 August 2016

Q&As: Should couple sell Auckland rental now or keep it until retirement?
- How to contribute something other than 3,4 or 8% to KiwiSaver
- What happens when a KiwiSaver turns 65
- 'Good news' letter a reminder to the young
- Auckland too pricey? Try Dunedin
- Update on KiwiSaver HomeStart grants

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NZ Herald 30 July 2016

Q&As: It's easy to check if you're eligible for a tax refund
- Former homeowners may be able to use KiwiSaver money to buy a home
- Most people using KiwiSaver first home help don't stop contributing

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RNZ Radio 21 July 2016

KiwiSaver rules, and how to make the most of the scheme

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NZ Herald 16 July 2016

Q&As: 'Laddering' term deposits has several advantages
- Riskier funds tend to do better, but fees hit reader's returns
- Get agent's advice on upgrading house before selling?
- Reader's first KiwiSaver tax credit a disappointment

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NZ Herald 2 July 2016

Q&As: A reader challenges my 2008 advice on term deposits
- Another wants to buy - not sell - UK shares right now
- Family should consider inner Auckland townhouse
- My motive is uncovered!
- Some lucky reading at McDonalds
- Corrections

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NZ Herald 11 June 2016

Q&As: Adding to already huge mortgages is playing with fire
- It's not interest rates but mortgage size that matters
- Lack of family communication leads to big debt ...
- ... so do pushy credit card providers

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NZ Herald 4 June 2016

Q&As: Is it really harder to buy a house now than in the 1980s?
- A money coach explains an addiction to spending ....
- ... And a reader describes how it affects her
- Does it work to have life insurance with 2 companies?

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Radio NZ 3 March 2016

Tips on buying and selling property - Part 2

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Radio NZ 25 February 2016

Tips on buying and selling property - Part 1

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NZ Herald 30 January 2016

Q&As: A different Auckland housing option: live on the water
- Reservations about young landlord's success
- 2 Q&As on whether Bonus Bonds are a good deal
- Worries about living in a leasehold property
- Have your say about advisers

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NZ Herald 5 December 2015

Q&As: A few phone calls can slash hundreds from insurance bills
- We're not all bad, says insurance adviser
- "Freehold" doesn't mean mortgage-free, and beware of leasehold property
- Reasons for Auckland house price rise don't rule out bubble
- Meaningful Christmas gifts

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NZ Herald 28 November 2015

Q&As: Couple should get on with enjoying their wealth
- Report confirms reader's concerns about insurance sales
- Worry about house buying a sure sign of a bubble

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NZ Herald 21 November 2015

Q&As: Why it's better to sell a home before buying another one
- Reader alarmed by what I said about interest on bonds
- Do high dividends go with high risk?
- Another KiwiSaver provider offers regular withdrawals in retirement

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NZ Herald 7 November 2015

Q&As: BNZ KiwiSaver scheme moving to change 'eggs in one basket' concerns
- KiwiSaver contributions move slowly into funds
- Tax break ideas for first home buyers have flaws

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Radio NZ 5 November 2015

KiwiSaver for children and younger people

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NZ Herald 31 October 2015

Q&As: 80-year-old is still spending up large
- What happens when bank KiwiSaver providers invest heavily in their own products?
- The complexities of buying an apartment
- Another KiwiSaver provider offers regular withdrawals in retirement
- Auckland housing market not a Ponzi scheme, but how about the Greater Fool theory?

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NZ Herald 27 June 2015

Q&As: Government seeks your views on financial advisers
- You want an Auckland house? Go ahead and buy one
- Similarly, buy the bach now
- Where to save extra, over and above KiwiSaver ...
- And watch out for fee differences

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NZ Herald 30 May 2015

Q&As: How should high-saving couple allow for emergency money?
- Will reader's children squeak through and get KiwiSaver kick-start?...
- ... And will another reader's partner?
- Some bank depositors' money at risk if bank gets into trouble
- Shouldn't borrowers be the ones who bail out a bank?

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NZ Herald 23 May 2015

KiwiSaver Kick-start ends
Q&As: Patience needed on new first home KiwiSaver withdrawal rules
- How to get around KiwiSaver guardian rules
- Reader skeptical about Reserve Bank statements

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NZ Herald 4 April 2015

Q&As: How a young widow might get into home ownership
- Teenagers' "board" payments give them a kick-start
- Two readers ask more about tax deductibility of tertiary fees

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NZ Herald 21 March 2015

Q&As: How to make KiwiSaver work well for children
- Watch the fees particularly if you have a high KiwiSaver balance
- Further help for last week's provincial couple?
- Worried about your kids' inheritance? Bring them up well!

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NZ Herald 14 March 2015

Q&As: Provincial town dwellers better to stick with their house, despite falling prices
- Reader challenges the Reserve Bank's confidence in the banking system
- No you can't withdraw KiwiSaver money on maternity leave, and you should have known that!
- How lending or giving to family could come back and bite you

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NZ Herald 28 February 2015

Q&As: Why are NZ banks following the lead of their Aussie parents?
- Should reader spread money over several banks, just in case?
- Two readers have no sympathy for younger daughter in recent Q&A, but ...
- Another reader's idea is more harmonious
- Auckland house prices too high? Try Taupo

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NZ Herald 31 January 2015

Q&As: Kicked out of KiwiSaver for joining when too old
- Is now the time to get out of Auckland property and into shares? Who knows?
- Aspiring home buyer's plan highly risky

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NZ Herald 20 December 2014

Q&As: Couple gets a second chance for the KiwiSaver first home subsidy
- Where to get info on ethical KiwiSaver funds
- An ethical KiwiSaver fund with a difference
- Thanks to readers throughout the year

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NZ Herald 4 October 2014

Q&As: How to find out who your KiwiSaver provider is, if you've forgotten
- Concentration on just the Kiwi/US exchange rate leaves a traveller wondering
- Confusion over KiwiSaver first home help
- Can one partner get first home help when the other doesn't qualify?
- Is this a good time to buy a home in Christchurch?

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NZ Herald 28 June 2014

Q&As: Car buying decisions not always rational
- Should young man invest in Fiji, buy a house, or neither?
- Why it takes so long to process KiwiSaver contributions
- When must self-employed make employer contributions to KiwiSaver?
- I will try to run more non-KiwiSaver Q&As
- Last week's picture offends a reader

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NZ Herald 17 May 2014

Q&As: Should landlord sell shares to reduce the mortgage on his rental?
- Is tenants' claim for borer treatment fair?
- Further thoughts for single mum wondering whether to renovate or sell
- What's a tiny shareholding, and why is it a problem?

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NZ Herald 26 April 2014

Q&As: Single mum can't decide whether to renovate or sell
- How come some seemed to get more Genesis Energy shares?
- No I won't give info on gold savings plan
- What might be behind gold plan?
- How many employers stop KiwiSaver contributions at 65?
- Is employer playing fair with KiwiSaver contributions?
- Complications for some self-employed in KiwiSaver

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NZ Herald 19 April 2014

Q&As: Gold plan will make us all rich - or will it?
- Do Chinese buyers of NZ houses get cheap mortgages?
- How KiwiSaver works for the self-employed

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NZ Herald 5 April 2014

Q&As: How to tell if an investment - beyond low-risk KiwiSaver funds - is fairly safe
- Should woman sell rental and enjoy the proceeds?
- Can reader use Dad's KiwiSaver for own benefit?
- Lenders may help with first home deposit timing problem

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NZ Herald 29 March 2014

Q&As: How about just paying tax, instead of moving house to avoid paying it?
- Beneficiaries can join KiwiSaver, and shouldn't feel they're not entitled
- Last week's lead Q&A overlooked costs of home ownership...
- ... and the limits to how KiwiSaver first home money can be spent

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NZ Herald 22 March 2014

Q&As: 60 is not too old to get a mortgage and buy a first home
- Buying a home is not the only way to financial security
- Don't overlook tax if buying a rental with the aim of selling at a profit
- Want to free up money? Try moving to Tokoroa
- Just one bank and one finance company respond to term deposit challenge

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NZ Herald 8 February 2014

Q&As: Should young man buy house before doing his OE?
- Better to stay in the housing market than have time out
- How KiwiSaver first home help works for beneficiaries and student allowance recipients
- 2 Q&As about tax obligations of last week's spec home investor

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NZ Herald 1 February 2014

Q&As: Still hope for first home buyer with 10% deposit
- Profits from spec home best put into offsetting mortgage on own home
- How KiwiSaver fund finder gets around shortcomings
- Ideas for inexpensive family travel

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NZ Herald 5 October 2013

Q&As: How fortnightly mortgage payments can help
- New rules and info on KiwiSaver first home help
- Pros and cons of bringing super to NZ from Australia

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NZ Herald 24 August 2013

Q&As: 64-year-old should get rid of mortgage - and join KiwiSaver if she's not already in
- Capital gains tax valuation idea could cause problems
- How changes to the KiwiSaver first home subsidy would work
- Overseas grandson can't join KiwiSaver

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NZ Herald 4 May 2013

Q&As: Which is riskier, moving to a posher suburb now or waiting?
- Retired man's preference for shares may be riskier than he realizes
- You can't cash in KiwiSaver to buy Mighty River Power shares

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NZ Herald 20 October 2012

Q&As: Reader's returns in the stratosphere
- Bach reading reveals very long-term data on gold prices
- To buy or not to buy when house prices look bubbly

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NZ Herald 6 October 2012

Q&As: Is now a good time to buy a first home?
KiwiSaver versus mortgage repayment trade-off for self-employed and non-employees
2 Q&As about changes to ANZ mortgage conditions

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NZ Herald 21 July 2012

Q&As: Repeated property do-ups unlikely to bring tax-free gains
- Are shares really better in the long term than property or bank deposits?
- Reader is confused over KiwiSaver first home subsidy price limits
- Sleepless nights over a charity donation

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NZ Herald 2 June 2012

Q&As: Should charity begin at home?
- Advisers may not be the best source on comparing KiwiSaver providers - so how should you do it?
- Can a landlord get KiwiSaver first home help?....
.... And can a son who buys an expensive home with his Dad?
- An accountant questions Housing NZ policy

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NZ Herald 19 May 2012

Q&As: KiwiSaver first home help flexible - including the maximum income rules
- Teacher should be in KiwiSaver even though he doesn't get employer contributions
- A bigot confesses
- Banks label NZ Super - and help superannuitants - in different ways

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Syndicated column 5 May 2012 - How the lolly choice has changed

The economists have given up on the idea, and it's time the rest of us did too. I'm talking about making financial decisions based only on the cold hard facts and numbers, and not taking into account emotional and psychological factors.

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NZ Herald 21 April 2012

Q&As: One retired reader is fed up with a younger person's attitude to superannuitants ...
- While another is amused, and thoughtful
- Effect of a mortgage rate rise on house prices being underplayed
- An overseas landlord must, by law, have an agent here
- Bank gives wrong info on deposits into KiwiSaver

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NZ Herald 3 December 2011

Q&As: Is share buying just for the elite?
KiwiSaver first home buyer strikes a hitch - but all is well
60-ish couple could get into rental property
Did our couple blow too much on holidays?

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NZ Herald 29 October 2011

Q&As: Parents hoping to deduct payments to baby for "working" for them are dreaming
Tax dodgers and protesters aren't in the same camp
Couple in sixties should grab the chance to get their own home
Why returns are disappointing on KiwiSaver cash funds

Money column for October 29 2011

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NZ Herald 22 October 2011

Q&As: Putting your savings in the kids' names, to reduce taxes, is not a clever idea
Should Christchurch Red Zone dweller buy another home?
Getting by on stone soup
Comparing gold and silver investments with KiwiSaver

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NZ Herald 30 July 2011

Q&As: Two questions to ask before trading up to a more expensive house
- A pilot joins the call for annuities for retiring KiwiSavers
- Mercer explains its alternative to conventional annuities
- A KiwiSaver provider gives children a break on fees
- A reader is taken aback over a headline about steady incomes - and I'm taken aback that she cares!

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NZ Herald 23 July 2011

Q&As: Calling all KiwiSaver providers: Please let us know if you have plans to offer annuities or similar
- Other payout possibilities for retired KiwiSavers
- Couple who have returned to NZ but still own UK house should sell it, buy here and get on with enjoying life
- Dwindling children's KiwiSaver accounts possible but unlikely

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NZ Herald 11 June 2011

Q&As: Should couple with iffy job prospects sell their shares to slash their mortgage?
- Young KiwiSaver with an eye on first home help should move to a lower-risk fund
- One KiwiSaver doesn't appreciate how good his deal is ....
- And another is sick of whingers over the scheme
- Did my comment about people's inability to pick investments cover advisers?

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NZ Herald 23 April 2011

Q&As: Why it takes both partners working to afford a house these days
- Buying a house with a co-owner might prove tricky
- Did I muddle pounds and dollars?
- Big lottery winner would have some negotiating power with a bank - but only so much
- Difficulties of borrowing to invest in shares
- Winners of seminar tickets

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NZ Herald 19 March 2011

Q&As: Should it take a bank three weeks to cut its mortgage rates?
- Just how great was one family's "Great Mistake of 2009"?
- Reader tells Mary off for forgetting about the expenses of selling a house
- How couple should invest as they approach retirement

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NZ Herald 5 March 2011

Q&As: Should couple sell their house, and buy again later?
- The high price of not organising your automatic payments well
- When you should and shouldn't repay your student loan quickly - and future prospects
- 2 Q&As on what happens to KiwiSavers when they retire

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NZ Herald 26 February 2011

Q&As: Why 55-year-old Mum shouldn't give up on home ownership
- Important to save a little, even if you have a mortgage, to gain market knowledge over the years
- Banks "are just like car dealers"
- Will below-market share buyer lose it all in tax?

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NZ Herald 25 September 2010

Q&As: Bank securities not quite what a reader was hoping for
The closing of a KiwiSaver scheme hasn't gone as smoothly as hoped, but it's no big deal
First home buyers should invest conservatively in KiwiSaver - plus: a painless time to join KiwiSaver

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NZ Herald 25 September 2010

Q&As: Bank securities not quite what a reader was hoping for
The closing of a KiwiSaver scheme hasn't gone as smoothly as hoped, but it's no big deal
First home buyers should invest conservatively in KiwiSaver - plus: a painless time to join KiwiSaver

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NZ Herald 4 September 2010

Q&As: Looking after the pennies is more rewarding than we realised
Three Q&As on readers' suggestions on how a couple can better manage their money - including ideas on mortgages and software
Is it worthwhile trying to time a home purchase to make the most of market movements? - plus KiwiSaver first home assistance details

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NZ Herald 21 August 2010

Q&As: Reader who has previously owned a home but may still be able to receive KiwiSaver first home assistance
Couple in similar situation may also get the assistance, even if they have too much in savings
More options for investing in emerging markets
Last week's reader is making progress in getting KiwiSaver contributions that her employer didn't send to Inland Revenue

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Syndicated column 3 July 2010 - Generous KiwiSaver first home help applies to many

The first of the KiwiSaver first home withdrawals and subsidies will be paid out shortly. But many people still don't realise just how good - and how widely available - the KiwiSaver first home help is. It is clearly the best place for any New Zealander to save for a first home.

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NZ Herald 19 June 2010

Q&As: Reader better off holding on to Auckland house while moving elsewhere to care for mother
How to maximise the KiwiSaver tax credit - before June 30
Should non-employee KiwiSaver contribute more than $1043 a year, or put further savings elsewhere?
Four readers offer alternatives to "Mum and Dad investors", but none of their ideas is great
This column pleads "Not guilty" of sexism

Money column for May 29 2010

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NZ Herald 12 June 2010

Q&As: A way for couples on higher incomes to get KiwiSaver first home help
Man with terminal illness can probably withdraw all KiwiSaver money
KiwiSaver contributions holidays more flexible than reader realises
More thoughts on why house prices have outgrown rents
2 readers challenge the use of the term "Mum and Dad investors" - and we seek an alternative

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NZ Herald 5 June 2010

Q&As: 3 Q&As on the KiwiSaver help for first home buyers - why it's so good, but also why some people aren't eligible
A possible explanation for house prices outgrowing incomes

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NZ Herald 29 May 2010

Q&As: People in their early sixties are mad if they are not in KiwiSaver.
One reader says it's too hard to buy a first home in Auckland, but two others have suggestions on how to do it
The cost of building hasn't risen since the 1970s, but shortage of land has pushed up prices, says a reader.
Follow-up on last week's comment about a job vacancy in Wanganui

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NZ Herald 22 May 2010

Q&As: Three Q&As on options for would-be first home buyers struggling to afford a home - go cheaper, and go further away. (Bonus: a job opening in Wanganui)
An angry reader misunderstands where I'm coming from
Two Q&As ponder how building costs and land development costs affect house prices
Further explanation about how PIRs work

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NZ Herald 15 May 2010

Q&As: Why house prices must - at some point - come down further
Newly retired person loses out, for a year, on PIE tax
How a rising NZ Super age might affect KiwiSaver
Temporary workers in KiwiSaver at a disadvantage

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NZ Herald 8 May 2010

Q&As: Two readers' bright ideas on how to negotiate with real estate agents
Everything you need to know about tax on PIEs, which include almost all KiwiSaver funds

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NZ Herald 1 May 2010

Q&As: Real estate agent objects to my suggesting people negotiate with agents
Brian Gaynor's and my differing views on the best way to invest
Buy a KiwiSaver book for less than half price

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NZ Herald 24 April 2010

Q&As: Retiree stuck with a property investment that's gone wrong should sell her house and the rental
71-year-old wants to be in KiwiSaver, while younger New Zealander stays out for the sake of the country
Fees are not the only consideration when choosing a KiwiSaver fund

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NZ Herald 3 April 2010

Q&As: Some rays of hope for landlord who has lived through a nightmare of things going wrong
Three landlords are angry with me and/or the government for various reasons

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NZ Herald 20 March 2010

Q&As: Why it wouldn't work to make tax changes for rental property apply only to people who buy property after a certain date
Landlord retaliation probably won't last long
Holding people accountable for giving bad KiwiSaver advice - and lining up a partner to also get the first home subsidy
How might people with private pensions be compensated for rise in GST?

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NZ Herald 6 February 2010

Q&As: It's not wise to let yourself be forced into being a landlord
Which New Zealand providers offer passive or index funds?
What are the minimum investments in passive funds?
Details on how the new resolution schemes for disputes with advisers will work

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NZ Herald 31 October 2009

Q&As: Tax agent and Inland Revenue differ on treatment of investors selling rental properties
Two big issues lead to bad financial advice results
Is this column dominated by KiwiSaver?
Generally, don't put lump sums into KiwiSaver

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NZ Herald 24 October 2009

Q&As: Are house prices less likely to fall in posher suburbs?
Financial advisers paid by commissions can't do as well as someone who is independent
Two Q&As on why recently issued preference shares are not good investments

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NZ Herald 10 October 2009

Q&As: A reader challenges my advice last week about postponing a first home purchase for three years
How to get around the income cap on the KiwiSaver first home subsidy
How to get around the three-year requirement for KiwiSaver first home assistance
Another reader challenges me - on my advice on whether to sell a Mangere Bridge house or a Whangamata house
The merits of coin tossing
Maybe Lotto will make reader's decision easier

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NZ Herald 3 October 2009

Q&As: Couple wondering whether to buy a home now or in three years could gain thousands from joining KiwiSaver
You can't get in early on the KiwiSaver first home withdrawal and subsidy

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Syndicated column 25 August 2009 - Secrets of real estate agents

Sorry - this is my third column in a row about real estate commissions. It's just that readers keep responding. Lately it's been agents or former agents, letting us in on their secrets.

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Syndicated column 11 August 2009 - Readers love or loathe real estate fee idea

The subject of real estate commissions brings out strong emotions - as reader response to my last column shows.

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Syndicated column 28 July - A fairer deal for all on real estate agent commissions

Now - with real estate agents hungry for listings - might be a good time for home sellers to negotiate a new way of paying agents.

This is not about kicking a man when he's down. What I'm proposing shouldn't leave an honest agent worse off. In fact, if she or he is good at their job, it will leave them much better off.

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NZ Herald 25 July 2009

Q&As: Steps a middle-income family can take towards buying their own home
Scams not always easy to spot
The presence of family trusts could prevent governments from means testing NZ Super
Has the worst already happened for kids in KiwiSaver?

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NZ Herald April 25 2009

Q&As: It's top-up time for many people in KiwiSaver
More ideas for couple having trouble affording their first home
3 Q&As on the government's new student loan repayment bonus

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NZ Herald April 18 2009

Q&As: The pluses and minuses of the government's new student loan repayment bonus.
2 Q&As on the woes - and possibilities - for first home buyers.

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NZ Herald April 11 2009

Q&As: Tips on how to ease back into investing in share funds.
Have I been too upbeat about the outlook for shares?
If the Dow Jones index is so bad, how come so many in the news media highlight it?
Auckland couple on $60,000 could buy a home if they really want to.

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NZ Herald April 4 2009

Q&As: First home buyers should be prepared to buy a "dump".
2 Q&As on KiwiSaver help for first home buyers - including new information for non-employees and people going overseas
KiwiSaver book giveaway - be in to win!

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NZ Herald March 14 2009

Q&As: Changes to the KiwiSaver first home subsidy rules.
Subsidy could suit couple well.
Where to invest if you plan to go for first home subsidy.


Money column for March 14 2009

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NZ Herald November 8 2008

Q&As: PIES have many more pros than cons, with tax breaks and, in some cases, a government guarantee
Single parent with three rentals might want to sell one - but not for the reason she suggests
Plus: readers' views on KiwiSaver

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Syndicated column June 24 2008: Hope and help for first home buyers

Things are looking up for would-be first home buyers, left out in the cold in the recent house price boom. The numbers are finally getting better, and government assistance is increasing.

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Syndicated column November 27 2007: How same is the same housing market?

A reader has taken issue with a comment in my last column that "the vast majority of current homeowners...could just sit out a plunge in house prices, or else sell and buy in the same market and suffer no loss."

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Syndicated column November 13 2007: Preparing for a possible property price plunge

The volume of house sales is slowing. Houses are taking longer to sell. And some apartment prices are falling. What if house prices are next to fall?

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NZ Herald November 10 2007

Q&As: Is now a good time for a 36-year-old to buy a house? And if so, should it be a bigger house, so she can take in tenants?
Four Q&As on how KiwiSaver works - or doesn't work - for those living overseas or planning to live overseas.

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NZ Herald September 2007

Q&As: Should a couple with 3 children move to a bigger house in town or take a bet on a coastal property?
Are KiwiSaver bond funds as conservative as they seem?

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NZ Herald August 11 2007

Q&As: KiwiSaver is just right for 30-year-old son having difficulty saving for his first home.
Why sign up a one-year-old for KiwiSaver?
Also: Some winning entries in the "KiwiSaver: How to make it work for you" giveaway.

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NZ Herald May 12 2007

Q&As: Three readers defend baby boomers and suggest how today's young could afford to buy homes.
A Generation Xer speaks up for her generation.
A reader worries that apartments may lose value.

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NZ Herald May 5 2007

Q&As: Auckland houses may be unaffordable, but apartments aren't.
One man is happy with is inexpensive home.
Homeowner feels anything but smug about being in the housing market.
War is declared between the baby boomers and the younger generation.
Last time New Zealand tried to control rents, it was disastrous.

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NZ Herald April 28 2007

Q&As: Would-be homeowners may need to lower their standards a bit - with some help from Monty Python.
Inflation hits property at least as much as share funds.
Californian astounded by our "real estate mania".

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NZ Herald April 14 2007

Q&As: A tax on house sales, to subsidise first home owners, is a lovely idea that wouldn't work.
Renting and saving elsewhere can leave you better off than home ownership.
Semi-retired couple who sold their home and rent are probably doing fine.

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Holm Truths summer 06-07

The other B word: While some people find it easy to follow a budget, others struggle. Here are some tips for the latter group.
Also in this issue: From the Mailbox - Couple who sold their house save heaps by renting. But should they wait for a price fall before buying again?

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NZ Herald September 2 2006

Q&As: Some options for a whinging woman who can't afford a home.
Is wealthy couple wise to do it themselves when it comes to their investments?
Reader who dislikes "that word" boycotts Toyota.
Getting mean over medians and averages.

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NZ Herald August 26 2006

Q&As: What you should check out before you buy a house. And who should do the inspection.
Some possible progress on the proposed changes to international investments tax.
Who's right and wrong in the maths on the new coins.
Financial adviser explains how "Jane", with her $1 million in term deposits, could save on fees.

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NZ Herald October 22 2005

Q&As: Several on how families are taxed.
Can property sellers and agents lie to buyers?
Protestor over tax on international shares gets stroppy.

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NZ Herald October 1 2005

Q&As: Should single people get tax breaks too?
Several Q&As on proposed tax changes on international shares.
How you can sell your home via a website.
What are our tax rates?

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NZ Herald September 24 2005

Q&As: What are reasonable conditions for a home buyer to insist on?
Government's proposed tax changes on international shares.

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NZ Herald June 25 2005

Q&As: Should you sell your house and buy again after prices fall?
The best way to rebalance your investments after the markets put them out of balance.
How to measure inflation.

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Syndicated column May 31 2005: How KiwiSaver will work for you

How you might react to the KiwiSaver programme in the recent budget depends on your circumstances.

Under the programme, scheduled to start in April 2007, employed people, the self-employed or beneficiaries can contribute 4 or 8 per cent of their income to a saving fund.

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NZ Herald March 19 2005

Q&As: Tips for a 12-year-old on how to save.
A revolving credit mortgage might be just the thing.
One way to spot a leaky home.

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NZ Herald March 12 2005

Q&As: Student's letter is real! Some students DO invest their loan money.
Who can help home buyers spot a leaky home?

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NZ Herald March 5 2005

Q&As: How to invest a student loan, and SHOULD you?
Where can you get an apartment for $100,000?
Bonds may beat term deposits, even for the short term.

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NZ Herald February 26 2005

Q&As: Should single Mum renovate, rent our her house and move elsewhere, or move to a cheaper house?
Share trader's early success won't last.

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NZ Herald February 12 2005

Q&As: Should young person saving for a house buy now?
Where to invest while saving to buy a house.

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