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

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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.


Children and Money

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

RNZ Radio 14 December 2017

Does Christmas have to be like this?

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NZ Herald 30 September 2017

Q&As: No I don't agree that rental property has outdone shares in the last 4 decades!
- 5 readers offer advice for couple considering moving to a better school zone

GRAPH: SHARES versus HOUSE PRICES from end of 1979
Right side - lines from top show:
- NZ shares with dividends (turquoise)
- World shares with dividends (brown)
- NZ house prices (green)
- NZ shares excluding dividends (black)
(Pale line on left side is NZ shares excluding dividends, old index)

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NZ Herald 23 September 2017

Q&As: Is this the time to get out of the share market?
- Reader questions last week's couple's financial management
- Another suggests they look at private schooling
- Yet another suggests selling their home and renting elsewhere
- Just one provider lets KiwiSavers invest directly in shares

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NZ Herald 19 August 2017

Q&As: Warning to people on OE who are claiming KiwiSaver tax credit
- People overseas can still contribute to KiwiSaver
- Emergency money and paying off mortgage top priorities for reader
- Sign up disabled son for KiwiSaver?
- My KiwiSaver tax comment not strictly correct

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NZ Herald 5 August 2017

Q&As: Easy rule of thumb on how much you'll need in retirement
- KiwiSaver solution for Downs syndrome son
- Reader unsuccessful at opting out of KiwiSaver
- Different types of fees-only financial advisers

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RNZ Radio 27 July 2017

Listeners' questions about KiwiSaver:

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NZ Herald 22 July 2017

Q&As: Helpful Rule of 72, and which KiwiSaver return is most accurate?
- Correction on KiwiSaver fee breaks for children
- A good way to choose a financial adviser
- Online event on women's financial futures

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NZ Herald 15 July 2017

Q&As: Gift vouchers have their faults, but they're not scams
- How to find a financial adviser that doesn't receive commissions
- Why KiwiSaver returns on your own contributions are so high
- KiwiSaver providers that don't charge fees for under-18s
- Winners of seminar tickets contest

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NZ Herald 8 July 2017

Results of survey on how readers have done in KiwiSaver - part 2
- Type of fund
- Staying risky
- The switchers
- Volatility
- Children in KiwiSaver
- To sum up

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NZ Herald 17 June 2017

Q&As: Should retirees stop their health insurance?
2 reasons why students should participate in KiwiSaver
My maths was OK!
Reader suggests doing a trial run on retirement budgeting
Retired couple doing fine on $600,000
More research needed on changing NZ Super age

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NZ Herald 10 June 2017

Q&As: Don't miss KiwiSaver tax credits - and why kids do miss out
- How to calculate tax credits for new KiwiSavers and those turning 18 or 65
- Savings goal from adviser looks too high
- Please email to say how well you're doing in KiwiSaver

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NZ Herald 13 May 2017

Q&As: Would-be foreign exchange trader should give it a miss
- Are credit cards sometimes tied to mortgages? Does it matter?
- Young son might learn more than one lesson
- Reader suggests ways to cut food bill

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NZ Herald 15 April 2017

Q&As: Best long-term investment for entrepreneurial teen
- Reader aghast that beneficiary can keep savings
- Pictured foot is impressive
- Grateful reader's pension rises after reading column
- Free online booklet about investment risks
- Correction about internet link

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NZ Herald 1 April 2017

Q&As: University probably the best route to a new start for woman
- Credit cards not linked to mortgages
- Clearing up info on Residential Care Subsidy and gifting
- Do small gifts count when apply for that subsidy?

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NZ Herald 18 March 2017

Q&As: Trusts may no longer enable well off elderly to get subsidy
- Possible trap for parents giving money to adult children
- What KiwiSaver rules would change when under National plan
- Partial KiwiSaver tax credit in year you turn 65 - or 18
- Good reasons for using a credit card

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NZ Herald 11 March 2017

Q&As: Mum objects to teenager being offered credit card
- Newish Code places more responsibility on lenders
- Another reader has trouble extending credit card limit
- Help for people struggling to pay rates

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NZ Herald 25 February 2017

Q&As: Questions to ask before parents lend mortgage money to their children
- Determined couple pay down big mortgage fast
- Bank's reluctance to extend credit card limit is surprising
- Tax adviser thinks tax should have been mentioned last week

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NZ Herald 24 December 2016

Q&As: When you can take diversification too far
- Where to invest in passive or index funds
- Book is older than I thought
- 2 letters from immigrants express their appreciation
- 15 years later, advice has proved helpful

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NZ Herald 3 September 2016

Q&As: Should student earn interest while running up student loan?
- Freebies for shareholders left some the worse for wear
- Deduction of Canadian pension from NZ Super seems fair
- Another ethical KiwiSaver fund
- Show Me The Money Week about to start

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NZ Herald 19 March 2016

Q&As: Alternative for daughter trying to escape bad debt - pay up
- Is emphasis on total shareholder return justified?
- Inflation calculator shows what prices have risen, and what haven't
- Is this reader ready to retire?
- Struggling retiree questions wealthier reader's concerns

Money column for March 19 2016

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NZ Herald 5 March 2016

Q&As: 5 steps to get a reader and daughter back on KiwiSaver ladder
- Could KiwiSaver fees reduce a low balance to zero?
- How to choose a non-KiwiSaver fund

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NZ Herald 27 February 2016

Q&As: Why daughter's KiwiSaver account didn't perform so well
- Getting the most out of KiwiSaver for children
- KiwiSaver tax credit in the year you turn 65
- Another great quote on investing
- Pros and cons of family life on a boat

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NZ Herald 20 February 2016

Q&As: Don't follow the crowd into property investment
- Apply for NZ Super early
- 2 readers object to last week's correspondent's attitude to mother of 10
- An honest assessment of life afloat
- One reader sees living on a boat as a retreat
- Another points out the fun side
- A landlord's kindness made all the difference

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Radio NZ 19 November 2015

Getting through Christmas without going broke. Also, the big spender and the big saver.

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Radio NZ 12 November 2015

Two issues: Is home ownership the only way to go? And ethical investing

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Radio NZ 5 November 2015

KiwiSaver for children and younger people

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NZ Herald 22 August 2015

Q&As: Banks give teenagers credit too easily
- Credit union offers lower-interest deal to credit card borrowers
- Retiree "invests in people"
- 55-year-old spending while she's able
- Financial adviser struggles with how others do it

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NZ Herald 13 June 2015

Q&As: Reader uneasy about crowdfunding company's marketing
- Plans to time the share market with KiwiSaver are worrying
- Are the politicians complaining?

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NZ Herald 6 June 2015

Q&As: KiwiSaver has changed many times, but it's still worth contributing to
- Is it worth signing up a child to KiwiSaver now the kick-start has gone
- A novel way of valuing your friends

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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 16 May 2015

Q&As: Could Auckland house price plunge cause a banking meltdown?
- Single mum can't get daughter into KiwiSaver because of missing father
- Employer shouldn't have signed up 15-year-old to KiwiSaver without parents' consent
- Living on just NZ Super is the high life for this reader

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NZ Herald 9 May 2015

Q&As: Too hard for some children to join KiwiSaver
- Why reader has two very different KiwiSaver balances
- Do 20-somethings have a 'sense of entitlement'? And will they get NZ Super?
- Advice for the young from a new retiree

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NZ Herald 2 May 2015

Q&As: How to persuade 20-somethings to stick with KiwiSaver
- An offer too good to not miss
- Get legal advice when lending to adult children
- Can bankruptcy distribution be undone?
- Last week's picture was misleading

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NZ Herald 18 April 2015

Q&As: How some can get round the single KiwiSaver provider rule
- Borrowing lots to buy rentals not the way out for reader's parents
- Should couple bring property money back from Australia or wait for a better exchange rate?
- Another provider offers unhedged KiwiSaver growth fund
- Lawyer not recommending against using a lawyer

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NZ Herald 11 April 2015

Q&A: Should parity with Aussie dollar affect investing?
- How currency movements affect KiwiSaver funds, and what you can do about it
- A good way to lend to adult children?
- Better to pay down mortgage or invest elsewhere?
Money column for April 11 2015

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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 28 March 2015

Q&As: 'No' on deductions but 'yes' on student loan for teen entrepreneur
- Clarification on KiwiSaver fees for children
- Doesn't performance matter more than fees?
- Give or lend to adult children when they need it, not when you die

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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 7 March 2015

Q&As: Some ideas better than others for those worried about bank deposits
- Reader scares friends unnecessarily
- How to even out loans to siblings in a will
- "Only thing my girls are getting is an education"

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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 21 February 2015

Q&As: Do bank bonds beat term deposits for savings for a house?
- Does separated woman taking a risk remaining in the family home?
- 3 Q&As about a father's loan to a daughter and sibling rivalry

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NZ Herald 14 February 2015

Q&As: How to let both daughters in on the deal
- Did "holidaying" KiwiSaver miss out?
- Could KiwiSaver money be grabbed because hubby's running up debts?
- Student loan repayments can continue into retirement
- Some tips for last week's separated woman

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NZ Herald 29 November 2014

Q&As: Do landlords take advantage of others less fortunate?
- How KiwiSaver members are protected from losing their money
- Inland Revenue got it wrong last week about interest deductions on family loans
- Meaningful Christmas gifts

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NZ Herald 15 November 2014

Q&As: Are older people greedy? Is this question worth worrying about?
- What does "return" mean in KiwiSaver
- Is interest on family loans taxable?
- Reality strikes after parents lend to student son

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NZ Herald 8 November 2014

Q&As: Early Brierley investment brings back memories of 1987
- Reader and I disagree on share market performance - and who reads this column!
- Family loan suggestion 1: put it in borrower's will
- Family loan suggestion 2: put it in lender's will
- Family loan suggestion 3: borrower should try elsewhere first
- Why KiwiSaver Fund Finder idea wouldn't work

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NZ Herald 1 November 2014

Q&As: Comparing KiwiSaver and similar non-KiwiSaver funds from the same provider
- A reader offers some tough rules for family gifts or loans to students
- Keep others in the know about family loans
- Misunderstandings about children and KiwiSaver

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NZ Herald 25 October 2014

Q&As: Some rules for lending to family members
- KiwiSaver provider not taking Warren Buffett's advice about share trading
- A reader wonders where her KiwiSaver contributions have gone

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NZ Herald 18 October 2014

Q&As: For the 17-year-old who has everything he wants: a course about shares
- A free budget tool for readers to try
- Woman on parental leave can still take part in KiwiSaver
- Fees on retirement scheme way too high

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NZ Herald 1 March 2014

Q&As: More can be in KiwiSaver than commonly thought
- Banks no help when comparing deposit rates
- Are New Zealanders out of step about the security of home ownership?
- Don't rush to move house when the kids leave home
- Are KiwiSaver fees tax deductable?

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NZ Herald 22 February 2014

Q&As: Should family keep renting, or buy a home?
- Why Inland Revenue takes so long to process KiwiSaver contributions
- Employee must join KiwiSaver via their employer, but that's not so bad
- Adult children can't opt out of KiwiSaver, even though their parents signed them up

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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 25 January 2014

Q&As: Time for over-savers to spend on fun experiences - but still save some
- 65+ man's KiwiSaver plans overly optimistic
- All guardians must sign before children join KiwiSaver - which seems unfair
- How to judge a KiwiSaver fund's volatility using fund finder

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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 18 May 2013

Q&As: When are capital gains taxed?
- Should separated father's income count when applying for a student allowance?
- Too much in this column on KiwiSaver?
- The government's thinking on income in family trusts

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NZ Herald 20 April 2013

Q&As: Two readers warn about trying to control children's inheritances
- Do adult children expect an inheritance these days?
- A bit of confusion over KiwiSaver and tax
- Two readers' ideas on rethinking student loans

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NZ Herald13 April 2013

Q&As: Are Mighty River Power shares a sure thing?
- Is it good to get the kids into Mighty River Power?
- What to do when a trustee brother gets all the power

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NZ Herald 6 April 2013

Q&As: You can be regarded as being in a de facto relationship even if you don't live together
- Accountant gives bad advice on joining KiwiSaver
- Paying extra off the mortgage versus saving outside KiwiSaver
- 2 Q&As about young man who is NZ tax resident but still pays interest on his student loan
- Reader's student loan idea might work - depending on family dynamics

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NZ Herald 30 March 2013

Q&As: 2 readers tell of struggles for overseas students repaying student loans
- Another reader explains why he let his student children run up loans and then helped to repay them
- Confusion over changes to KiwiSaver employer contributions
- Will a pre-nuptial agreement do the trick?
- Can a parent draw up a Section 21 agreement for their adult child?

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NZ Herald 23 March 2013

Q&As: Should student loan interest - for people overseas - be lower than mortgage rates?
- Why parents let students run up loans, and then repay the loans for them
- One way parents can help their adult child buy a home without losing the money to the child's ex later on
- How the new partner of a widow might get his share if they split up

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NZ Herald 23 February 2013

Q&As: Relationship property - when does the clock start ticking?
- One way - plus a few others - that a mother could protect her daughter's inheritance
- Trusts not so cheap to set up
- Should people get access to their money when KiwiSaver changes?

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NZ Herald 9 February 2013

Q&As: Ways to keep a daughter's partner's hands off an inheritance if he leaves the daughter
- Another provider of reverse mortgages
- 2 Q&As on the pluses and minuses of reverse mortgages

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NZ Herald 15 December 2012

Q&As: The pluses outweigh the minuses when putting kids into KiwiSaver
- Some thoughts about reverse mortgages
- Alternatives to reverse mortgages
- An end of year message

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NZ Herald 8 December 2012

Q&As: Child's KiwiSaver account highly unlikely to shrink to zero
- Family could do its own "reverse mortgage"
- Some downsides of reverse mortgages

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NZ Herald 1 December 2012

Q&As: Reverse mortgages can work well, if you know what you're doing
- Where to get comparable info on KiwiSaver fees
- A parent's worries about KiwiSaver are probably unfounded

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NZ Herald 24 November 2012

Q&As: Lessons from a bad managed fund investment
- An older reader's tips on money and life
- Do parents commit their children to KiwiSaver if they sign them up?
- Meaningful Christmas giving

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NZ Herald 17 November 2012

Q&As: Is KiwiSaver the best place to save for a child?
- KiwiSaver is flexible in retirement
- 21st birthday money could be used to repay student loan - and get bonus
- Gains, taxes and prizes
- Another website offers info on banks
- Tell your KiwiSaver provider how well they communicate

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NZ Herald 12 May 2012

Q&As: NZ gets good value from many NZ Super recipients
- How parents might help their adult children with the two items that cost more now
- Last week's correspondent should leave the country, or change their thinking
- How to calculate KiwiSaver tax credit in your first year in the scheme
- Some KiwiSaver providers help members with tax credit
- A welfare payment by any other name ...

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NZ Herald 28 April 2012

Q&As: Reasonable and unreasonable expectations about NZ Super and people's retirement savings
- People need to think beyond their own needs, says reader
- Better or worse then or now? Just different
- Just how high are - and were - tertiary fees?
- Oops! I got it wrong about foreign exchange and interest rates

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Syndicated column 21 April 2012 - Why a reader advises his son against KiwiSaver - and why I disagree

A reader's letter explaining why he's advising his 18-year-old son not to join KiwiSaver has not convinced me.

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NZ Herald 3 March 2012

Q&As: How to plan retirement savings if you don't want to own a home
- Family in last week's column must have muddled their language a little
- If you've lived in Australia, applying for NZ Super may not be straightforward

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NZ Herald 25 February 2012

Q&As: Government action needed to help out retirees withdrawing their KiwiSaver money
- No tax when you take money out of KiwiSaver
- KiwiSaver gets good and bad report cards, depending on your approach
- 2 readers explain how they financially helped their student children

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NZ Herald 18 February 2012

Q&As: How much financial support a reader gives their student son
- Two banks offer mortgages that get around problems with revolving credit loans
- An accountant's offer boosts reputation of the profession
- Two Q&As about means testing of NZ Super in some circumstances, and how KiwiSaver fits in
- Yes, there are plenty of companies that don't pay dividends

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NZ Herald 11 February 2012

Q&As: A disadvantage of revolving credit mortgages - it can be hard to keep track of your money
- Should John Banks and co. have shared the profits on the sale of their KiwiSaver scheme with members?
- The one situation in which NZ Super is affected by your KiwiSaver account
- A call for info about student spending

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NZ Herald 5 November 2011

Q&As: Teen busker should be filing a tax return
Reader shows how not to choose a KiwiSaver fund
Voltaire quote last week hit the spot
Researcher reports on surprisingly high chance of ending up in a rest home

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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 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 16 July 2011

Q&As: Retired couple with house in Christchurch's red zone have several options to weigh up
- Three Q&As about KiwiSaver for children and grandchildren
- One adviser firm accepts pay-for-performance fees, at least to some extent

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NZ Herald 9 July 2011

Q&As: Reader wants to pay financial adviser according to performance, but advisers not so keen
- Adviser's reason for putting clients into finance companies is not good enough
- RFAs - registered financial advisers - must also operate under stricter rules
- Grandma might want to put conditions on financial help for student grandchildren

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NZ Herald 16 April 2011

Q&As: You need to compare rental properties and share investments on the same basis
- How does KiwiSaver work for kids, and will the parents "trap" them into something they won't want as adults?
- Should we look at house prices versus household income, rather than individual income, when looking at affordability over time?

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Syndicated column 26 February 2011 - More reasons to get young into savings accounts

An article I read recently made me more convinced that it's good to sign up children into savings accounts.

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NZ Herald 18 September 2010

Q&As: The "I can't afford it" excuse for not joining KiwiSaver just went out the window - plus other points about kids and KiwiSaver
Are managed share funds a crock?
Here's hoping a recent correspondent is not a regular reader of this column!
A book, online tool and language trick for overspenders and their partners
You must be under 65 to join KiwiSaver, but can take part in the scheme after that age

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Syndicated column 28 August 2010 - More losers than realised from income sharing

When I die, I hope that over my lifetime I've paid more in taxes than I've got back from the government. That's because people who do it the other way around - getting more than they've paid for - have often led tough lives, with long periods of unemployment, illness or disability.

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NZ Herald 26 June 2010

Q&As: Reader's golden suggestion for investing proceeds of a house sale is worrying
3 Q&As about KiwiSaver details - for people in other super schemes, children, and newly signed up KiwiSavers
More ideas on alternatives to "Mum and Dad" investors, including from a top government official

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NZ Herald 6 March 2010

Q&As: How will superannuitants fare under proposed tax changes?
Should young couple invest their savings in a rental property while overseas?
Two Q&As about children and the KiwiSaver tax credit

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NZ Herald 30 January 2010

Q&As: Investing doesn't have to be a part-time job. There's still time for novel reading.
KiwiSaver calculation - far from being wrong - is correct to the cent.
How the lack of a tax credit for kids in KiwiSaver affects contributions to their accounts.
There's much more to financial advice than just investing.

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NZ Herald 7 November 2009

An invitation to attend a breakfast representing investors
Q&As: Independent fee-charging advisers - the ones readers should be able to count on - to be listed in this column
Are accountants obliged to minimise tax, and to not dob in their clients to Inland Revenue?
Contributing to adult children's KiwiSaver accounts a good idea, even if they end up losing some of it in a marriage break-up

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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 July 11 2009

Q&As: KiwiSaver still great for children, even though the fee subsidy is gone
Now might be an okay time to get into a rental property - for family in the right circumstances
Should young retiree switch some savings into a share fund?
Two Q&As offer advice - on school fees and insurance - to woman with dying husband

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NZ Herald February 14 2009

Q&As: The possible perils of parents lending a mortgage to adult children.
Tips on mortgage reduction from a mortgage broker.
How mortgage borrowers could unite to force interest rates down.
2 Q&As on what happens to KiwiSaver money in retirement.

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NZ Herald January 24 2009

Q&As: Advisor's mortgage offer looks too magical to be true
Children more likely to be angry because their parents didn't sign them up to KiwiSaver than because they did
Too much on KiwiSaver in this column?

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NZ Herald December 13 2008

Q&As: Government's KiwiSaver changes include a big improvement on their pre-election plans.
New taxation of KiwiSaver employer contributions is fair enough.
Plus - readers' views of my political leanings vary widely.

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NZ Herald November 29 2008

Q&As: Repaying a mortgage - on a home or rental property - almost always better than saving with term deposits.
KiwiSaver works well for children.
3 Q&As on charitable Christmas giving.

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Syndicated column November 25 2008 - Christmas giving that makes you happier too

Struggling retailers aren't going to like this, but how about we make 2008 the year we stop spending ridiculous amounts on Christmas presents we don't need - and often don't even like?

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NZ Herald November 22 2008

Q&As: Does charity begin in the home country? Salvation Army programme looks good.
List of overseas charities with Christmas gift offerings.
National's KiwiSaver changes could discourage single Mum trying to get ahead - but there's hope they will be altered.
The whole KiwiSaver mortgage diversion issue will be much easier for many under National's changes.
Plus: Readers on KiwiSaver

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NZ Herald November 15 2008

Q&As: 2 Q&As on National's proposed changes to KiwiSaver
Plus: Meaningful Christmas presents
Readers' views on KiwiSaver

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NZ Herald September 6 2008

Q&As: Family of five should go with several different KiwiSaver providers to compare them.
Last week's look at the effects of gearing was deliberately simplified - and it probably didn't make too much difference.
Two poetic reactions to last week's poem.
Parliament move ends wait for woman not wanting to sign a work contract that treats KiwiSavers differently.


Money column for Sept 6 2008

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NZ Herald July 5 2008

Q&As: Average Joe Bloggs, sick of the rich and poor ripping off the system, seeks tax breaks.
"Fair Go" television show overlooked three important points when criticising KiwiSaver for children.

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NZ Herald May 10 2008

Q&As: Grandma will help grandson more by opening her own KiwiSaver account and giving him the savings.
Ultraconservative KiwiSaver funds are as safe as bank accounts, and bring much higher returns.
Is lack of self control more prevalent now than in the past?
Government bonds have their place for the ordinary investor.

Money column for May 10 08

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NZ Herald December 1 2007

Q&As: In defence of so many questions about KiwiSaver - and a challenge to readers.
Getting the best out of KiwiSaver for a non-earning wife and college kids.
Getting the best out of KiwiSaver for an early retiree on a low income.

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NZ Herald November 17 2007

Q&As: Why don't banks lend money for share investment?
2 Q&As on how you can best help your grandchildren (or children) into KiwiSaver
Christmas gifts for those who really need them

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Syndicated column September 18 2007: Combining kids and KiwiSaver

Every New Zealander under 65 will benefit from joining KiwiSaver, including newborns. But the rules - and how to make the most of them - are different for children, and many readers have questions about that. Here are a couple:

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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 August 4 2007

Q&As: How can employees get around the KiwiSaver restrictions on them, and how much should you contribute for your children?
A mother worries about whether she should sign up her children in KiwiSaver.
Also: Some winning entries in the KiwiSaver book contest.

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NZ Herald May 19 2007

Q&As: Four readers give diverse views on whether baby boomers or Generation Xers got a better deal on tertiary education, student loans, and affordability of houses.

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NZ Herald November 4 2006

Q&As: Two on why many rental property investors should pay tax on their gains when they sell. It's the law!
How to teach teens about budgeting.
Allowing for tax when calculating returns on term deposits.

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NZ Herald September 30 2006

This is the final week in which we are running excerpts from Mary Holm's bestselling book, "Get Rich Slow: How to grow your wealth the safe and savvy way." Mary's regular Q&A column will resume next week.

TEACHING THE CHILDREN WELL

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NZ Herald February 4 2006

Q&As: Man who has made $3 million from shares.
How much risk for a 53-year-old?
How good is advice from banks?

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Syndicated column November 1 2005: Borrowing tricky between family or friends

A quote recently caught my eye. "The easiest way to teach children the value of money is to borrow some from them," it said.

But that applies not only to children. Adults, it seems, take much more notice when someone has borrowed from them than when someone has lent to them.

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Holm Truths spring 05

Kids, cash and cards: Help your children learn about money

Also in this issue: From the Mailbox - Saving for the children's future

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NZ Herald October 15 2005

Q&As: 2 on how families should be taxed.
Should middle-income families get child care support?

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NZ Herald October 8 2005

Q&As: 5 on how different types if families should be taxed.
Many readers sent submissions to the government on proposed changes on taxation of international shares.
Am I a National Party supporter?

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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 April 9 2005

Q&As: Where should a 13-year-old put his regular savings?
Extra repayments on a fixed mortgage.

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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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Holm Truths spring 04

Investor beware!: How to spot a rip-off or scam

Also in this issue: From the Mailbox - Plans for single mother of 41

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