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.


Homes As Investments

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 9 December 2017

&As: Is it terrible to rent all your life rather than buy a home?
- Young man wanting to buy a home should make the most of KiwiSaver
- A real world example of a house price plunging
- Clarification on last week's letter about sole parent support from WINZ
- Sorry, but we're not getting into matchmaking in the column!

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NZ Herald 25 November 2017

Q&As: House prices do fall - plus what to do if you're worried about new rateable values
- Tips if you're considering a tiny house ...
- ... or a mobile home
- Why I'm sticking with passive - or index - funds

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NZ Herald 28 October 2017

Q&As: Couple can do better with big emergency fund
- Is it worth it to renovate a house?
- Student has share investing sorted
- Another share investor enjoys his lattes

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NZ Herald 12 August 2017

Q&As: 47-year-old in strong position on house market sidelines
- Tips from an expert on getting the best type of mortgage
- Questions about KiwiSaver not dumb
- Money Week coming up

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NZ Herald 3 June 2017

Q&As: Is mortgage interest as 'dead' as rent?
- $1 million needed in retirement, says reader ...
- ... But here's how you can do well with half that

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NZ Herald 8 April 2017

Q&As: Is the family home an investment?
- You can get a benefit even if you have savings ...
- ... And having 1 or 2 boarders won't affect your benefit
- 2 letters on study options for last week's correspondent
- One way to save for retirement travel in Europe
- Should 'whingers' take care of elderly parents themselves?

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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 5 November 2016

Q&As: In retirement planning, first work out how long you're likely to live
- Did angry reader actually read my last column?
- Another columnist and I battle it out over active v passive funds
- Sometimes leasehold property works out well
Money column for November 5 2016

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RNZ Radio 27 October 2016

Eating your house: ways to make use of the value of your house in retirement

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NZ Herald 9 July 2016

Q&As: Property upgrading sometimes works well, but not always
- Was I paid for "advocating" a type of investment?
- Unknown unknowns can hurt investors
- Get on with property investing, regardless of the market

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RNZ Radio 7 July 2016

Timing the housing market, and KiwiSaver first home help

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NZ Herald 25 June 2016

Q&As: Don't count on house price rises - and it may be better to keep renting
- Couple need to make up their mind about buying vs renting
- KiwiSaver providers occasionally slip up on claiming tax credits

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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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Radio NZ 17 March 2016

Listeners' questions on investing in shares and your own home

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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 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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Radio NZ 12 November 2015

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

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NZ Herald 24 October 2015

Q&As: Is greed behind Auckland house price rises?
- Apartment or unit? Go with what you prefer
- Rental property not a good way to invest her inheritance
- Individual shares or a share fund?

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NZ Herald 12 September 2015

Q&As: Risks of property investment - especially sections
- Owning modest home plus rental versus owning more expensive home
- Don't count on politicians' long-term promises
- Why the young of today might criticize NZ Super
- Another perspective on government rest home subsidy
- Coffins or shrouds?

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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 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 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 7 September 2013

Q&As: Plans of 29-year-old daughter sound good so let her be
- Using KiwiSaver to repay student loans probably not a good idea
- Improvements wouldn't be subject to capital gains tax
- South African tax option not ruled out

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NZ Herald 31 August 2013

Q&As: When is the best time to buy a house? When you want to
- Labour's capital gains tax wouldn't apply to your home
- Hope for the future about share offer documents
- Money Week coming up

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NZ Herald 13 July 2013

Q&As: Our population is getting older, but not as fast as a reader fears. How will it affect house prices?
- Means testing of NZ Super not given high priority in new report

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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 27 April 2013

Q&As: Steer clear of foreign exchange trading
- Pensioner should also steer clear of finance companies offering high interest
- How you can avoid partial assets sales shares in KiwiSaver
- Not saying "I told you so" about investing in gold
- Buying a home still a good idea for couple in late 40s

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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 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 21 May 2011

Q&As: Self-employed probably fare worst in KiwiSaver changes, but scheme still really hard to beat
- Likelihood of more government changes not a good reason to stay out of KiwiSaver
- Abolition of gift tax reduces paper work for family trusts, but doesn't eliminate it
- "Provincial perspective" on changes in house prices over the decades

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NZ Herald 14 May 2011

Q&As: Foreclosed property seminar reminds me of investment warning lists
- Government's proposed changes don't affect current KiwiSaver decisions
- Do banks lend more than their total deposits?
- Am I brainwashed, and perpetuating myths about family trusts?
- Fair enough that housing is not cheap here, says American who moved to NZ

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NZ Herald 7 May 2011

Q&As: A house looks ridiculously cheap in 1958, but let's put that into perspective
- Retiree hit by inflation acknowledges that it could have been worse
- Too hard to get by in New Zealand? Fix it or leave, but don't whinge
- A family wants out of its family trust, which is complex, expensive and not benefitting anyone

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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 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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NZ Herald 12 March 2011

Q&As: A reader clearly doesn't like the idea of renting instead of home ownership.
- How risky are mortgages, and who owns a home with a mortgage - you or the bank?
- Share portfolio in some ways better than rental property in retirement

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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 29 January 2011

Q&As: 2 Q&As on whether home ownership beats renting whilst saving the difference between the two option.
- 2 Q&As on last week's reader, who dramatically moved her term deposit business to another bank
- How to get your own back through the post - and how not to

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Syndicated column 17 July 2010 - Getting into gear not always wise

The four most hateful words are said to be, "I told you so." So I'll put this another way: One of my key messages in seminars, books and columns over the years - that borrowing to invest is more dangerous than many people realise - is easier to "sell" these days than a couple of years ago.

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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 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 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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Syndicated column 24 April 2010 - Home ownership doesn't always beat renting

The Investor Column - Embargoed until Saturday April 24 2010.


I was a little surprised the other day when I asked a couple of hundred young university students whether they wanted to buy a home in the foreseeable future. Everyone said yes - despite the fact that we'd just been considering why home ownership is not necessarily all it's cracked up to be.

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Syndicated column March 24 2009 - You can indeed go wrong with bricks and mortar

I first heard people saying, "You can't go wrong with bricks and mortar" years ago, when I lived in the US. I bet the saying isn't quite as common there these days, now that millions of people have, indeed, lost huge amounts because of property.

Yet we still hear that untrue "truism" in New Zealand. And in the last few weeks, as some people are trying to convince us that the house price slump is over, it keeps popping up.

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NZ Herald November 1 2008

Q&As: There's plenty of hope for worried KiwiSaver in 30s - on the home ownership front and elsewhere.
National's plans for KiwiSaver make mortgage diversion much less attractive for many.
Plus: Readers' comments on KiwiSaver

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NZ Herald September 27 2008

Q&As: Why KiwiSaver mortgage diversion is such a good idea.
Should the government intervene to stop house prices from falling?

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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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NZ Herald June 21 2008

Q&As: 2 Q&As on whether homeowners should sell and be renters for a while, to cash in on falling house prices?
Should 62-year-old buy a rental property or join KiwiSaver?

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NZ Herald April 12 2008

Q&As: Monkey story a great yarn, but it's not about the share market.
Reader's concerns about banks' exposure to foreign exchange risk are unfounded.
61-year-old should think hard before selling her house and enjoying some of the proceeds.
Man about to retire can still get plenty from KiwiSaver.

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Syndicated column March 18 2008: Choices for those hit by mortgage rate rises

The offers are already being made to people facing big mortgage interest rises. "If your lender won't renegotiate, we've got deals that will lower your payments," they say. Are these deals any good?

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NZ Herald February 9 2008

Q&As: Calculator tells reader to stop saving and live it up a bit.
Reader who finds KiwiSaver nauseating has a scary list of things that could go wrong....
...But another one applauds KiwiSaver, while sitting on the home ownership sidelines.

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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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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 June 2 2007

Q&As: Student allowance rip-off is not OK.
Advice for house-less Gen Xers: Buy a rental property in the provinces.
Rental property buyers feel like the scourge of society.
The cliché king has his say.
Cardboard boxes and contentment.

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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 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 7 2007

Q&As: Rent control would do more harm than good.
The cost of staying out of the housing market.
Reader insists it's worthwhile to try to time foreign exchange movements. It's all his!

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Syndicated column April 17 2007: Obsessed with property? Not us

New Zealanders are not as property mad - or as mortgage mad - as we've been led to believe, recent research shows.

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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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NZ Herald March 24 2007

Q&As: Should we blame the banks for soaring house prices?
2 Q&As on the new fair dividend rate tax on non-Australasian shares - the threshold, and trying to get around the rules
2Q&As on home equity release - lifetime interest rates and break fees if you change your mind

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NZ Herald February 24 2007

Seeking your questions about KiwiSaver
Q&As: Woman in mid 50s, who is renting, explores options for buying a home
2 Q&As about the $50,000 threshold in the new regime on taxation of international shares

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NZ Herald January 20 2007

Q&As: Are index funds, which I recommend, inferior share fund investments, as Herald columnist Brian Gaynor claims?
A small New Zealand town has it all, a resident claims!

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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 November 25 2006

Q&As: Is it a good idea to go back to 100 per cent mortgage on rental and invest the money in a term deposit?
A reader supports gradually building up a share portfolio.
Another charity offers Christmas gifts for the needy on behalf of your friends and relatives.
Reader wants more info on charities before making gifts.
A Sydney minister's quick-witted response.
Prices then and now - and how houses fit into the picture.
Cathedral carvings show inflation is nothing new.
A reader's pie and doughnut confession.

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Holm Truths Spring 06

Mortgage moves: How you can make the big loans work better for you
Also in this issue: From the mailbox - Is it a good idea to increase your mortgage and invest the money elsewhere?

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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 19 2006

Q&As: The average New Zealander can't afford to buy a house, or can they? The poor don't stay poor.
How one man keeps his costs down.
Flaws with a tax parable? And a man living on $1,000 a year?
An investment adviser gives us inside info on commissions.

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NZ Herald August 12 2006

Q&As: A few fewer luxuries and many New Zealanders could afford to buy homes.
2 Q&As on whether the Reserve Bank got it right with the new coins.
A financial planner objects to what I said last week about how to choose an adviser.

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NZ Herald August 5 2006

Q&As: Typical but rich women ask how to find an adviser.
Does local government keep house prices up? And will they ever fall?
Let's not have the government meddling in the housing market.
Doing your homework doesn't necessarily help share investment.

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Syndicated column August 1 2006: Readers' questions on renting v home ownership

My last column - which said that you may do just as well renting as owning your home, provided you are disciplined about saving elsewhere - brought interesting questions from two readers.

The first one is 40 and planning to return to New Zealand with his family. "I would be happy renting until I retire whilst growing our capital in areas other than property," he writes. "At some time later I might buy a small place to live in. However, do you think in 25 years that ownership of property might be out of reach?"

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NZ Herald July 29 2006

Q&As: Should we have a new 25c coin instead of a new 20c coin, and also a $5 coin?
Is tithing the way to go? One reader says yes, another no.

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Syndicated column July 18 2006: Owning your home not always the best option

Most New Zealanders grow up expecting to own their own home, but soaring house prices have made it harder for people to get into the market. Does that matter? Is home ownership all it's cracked up to be?

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Syndicated column June 6 2006: Bigger and better houses distort numbers

Readers keep sending in thought-provoking letters about the shares v rental property debate. It's central to the question of how to invest long-term savings, so it's worth continuing to explore the issues.

Today, excerpts from two letters:

"Your reader who commented on comparisons between housing price indexes and share market indexes has overlooked many points. Sometimes very large amounts are spent on home improvements without being considered when calculating house price increases.

"With new houses, a trend for larger houses...

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Syndicated column May 23 2006: Property backers underplay risk

Property backers seem to go in for hyperbole. Two examples from readers' letters:

* "Shares are not and have never been as lucrative as property.... We now know why the richest people in the world and in NZ are property investors."

* "The average person can quietly work themselves into a residential property portfolio worth several million dollars with a decade or two of judicious acquisitions. ...People putting a portion of their income aside to buy into share funds are left in the dust."

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Syndicated column May 9 2006: Index distortion not what it seems

A reader's point about the ongoing shares v houses debate sounds fair enough.

"Your comparisons do not compare like with like," he writes, "because you are using an index for shares, which only covers some companies, whereas for housing, you are using the average over all houses."

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Syndicated column April 25 2006: Shares easier than reader thinks

It's like a red rag to a bull. A paragraph in a reader's email started, "Without getting into the share v property argument..." But why not get into it? After all, it's at the very heart of most New Zealanders' thinking about long-term investment.

The reader, a mortgage broker, goes on to say, "I believe it is good for people to have a dabble in shares with spare cash but use property as their main retirement plan, even if they go hard out paying off just one rental property.

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Holm Truths autumn 06

Stuff and happiness: Buying things you don't really need

Also in this issue: From the Mailbox - Should a young man buy himself a house?

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NZ Herald March 18 2006

Q&As: Man panicked and bailed out of share fund. No!
Real Estate Institute denies that it's hard to buy a house in NZ.

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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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NZ Herald January 21 2006

Q&As: Shares v term deposits - it depends how much time you have.
Short-of-cash millionaires should try to renegotiate their mortgage.
When is a 2% penalty not 2%?

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Syndicated column January 17 2006: Readers rally to back houses

It always happens. Whenever I write about investing in houses and shares in the same column, people say I'm unfairly negative about houses.

In my final column last year, I wrote that the rise in house prices over the previous year was slower than the rise in: New Zealand shares, hedged overseas shares and unhedged overseas shares, all including dividends. That surprised me, and I thought it might surprise you.

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NZ Herald December 17 2005

Q&As: Should newly separated woman buy a house or rent?
Our total tax rate depends on whether we spend or save.
End of year message.

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Syndicated column December 13 2005: Can't see the forest for the houses? Also: Christmas shopping.

Quick question: Which of the following grew fastest in the last year: New Zealand house prices, New Zealand shares, hedged overseas shares (hedging removes the effects of foreign exchange movements), or unhedged overseas shares?

Surprise, surprise, it wasn't house prices. Bigger surprise still: house prices came last.

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NZ Herald November 26 2005

Q&As: Woman in Australian shouldn't sell her house here.
Is the house price boom like the great tulip bulb bubble?
Couple disagree over rental property v shares.

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NZ Herald November 19 2005

Q&As: How well do share funds perform?
Comparison of investment performances.

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NZ Herald October 29 2005

Q&As: Should immigrant solo mother get into the housing market now?
What is an index fund?
How exchange traded funds work.

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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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Syndicated column October 18 2005: Home ownership not the only road to wealth

Shock, horror! Home ownership is falling and will continue to fall. But is that so bad?

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NZ Herald August 13 2005

Q&As: Risky to buy shares while waiting to buy a house.
Is the gain on excess shares in an IPO taxable?
Rental property depepreciation and Inland Revenue.

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NZ Herald August 6 2005

Q&As: 18-year-old should wait a bit before buying a house.
Saving for the grandchildren - how much risk is good?
Rental property depreciation risks.

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NZ Herald July 9 2005

Q&As: Is geared rental property right for everyone?
Perhaps the woman last week should wait befoe buying a house.

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NZ Herald July 2 2005

Q&As: Should woman buy a home now, despite Economist warnings?
A couple explores housing options.
House prices falling in Australia.

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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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NZ Herald June 18 2005

Q&As: When does tax on capital gains apply to share investors?
When can share investors deduct newspapers and investment reports?
Are shops allowed to charge more if you use a Visa card?
The role of luck in house price rises.

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NZ Herald June 11 2005

Q&AS: Paying extra for using a credit card.
Distortions when considering how good an investment your home is.
First home buyers should probably wait.

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NZ Herald June 4 2005

Q&As: 2 on renting v home ownership - including the psychology of the choice.
The professor who set last week's question gives me a grade, and notes that house prices have fallen lots elsewhere.

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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 May 28 2005

Q&A: Is home ownership always good?

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NZ Herald April 16 2005

Q&As: Woman can get her dream property - if she makes some sacrifices.
What does finance company gearing mean?
Who hears a will being read?

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Holm Truths autumn 05

Moving the goalposts: Working part-time in retirement makes a huge difference to how much you need to save

Also in this issue: From the Mailbox - Is home ownership so great?

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NZ Herald March 26 2005

Q&As: Man in mid 50s can afford to drop out - but what about emotionally?
Is reader silly to stick with renting?

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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 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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Holm Truths summer 04-05

Scattering the seeds: By diversifying, you reduce risk but not returns

Also in this issue: From the Mailbox - Some people over-save for retirement

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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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Holm Truths summer 03-04

Time is Money: A basic principle that helps you understand investing

Also in this issue: Great Debate - Revolving credit v traditional mortgages

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Holm Truths winter 02

Getting into gear: Borrowing to invest makes a good investment better and a bad investment worse

Also in this issue: Great Debate - Fixed v floating mortgages

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Holm Truths summer 01-02

Pay yourself first: A way to make it easier to save

Also in this issue: Great Debate - Renting v home ownership

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