Work
The following is a selection of articles mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.
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Articles
Syndicated column 28 August 2010 - More losers than realised from income sharing
The Investor Column - Embargoed until Saturday 28 August 2010
MORE LOSERS THAN REALISED FROM INCOME SHARING
By Mary Holm
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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Syndicated column 30 January 2010 - Oh no, oh no, it's off to work we go
Returning to work after a holiday is rarely easy. Back when I was employed - as opposed to self employed - I remember always feeling as if I were in the wrong job on my first few days back at work.
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NZ Herald 29 August 2009
Q&As: Just because a so-called financial expert is confident, that doesn't mean he or she is right
If you haven't worked for a while any time in the last five years, you may well be in for a tax refund
Don't delay joining KiwiSaver, even if you're worried that you could be made redundant
KiwiSaver tax credit lark for the newly retired is too good to be true
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Syndicated column April 21 2009 - Sloppy thinking unfair to immigrants, 2-worker families
Every time the economy is looking iffy, people start saying, "Stop immigration," or even, "Send home the immigrants." Their reason: "They're stealing our jobs." This is sloppy economic thinking - not looking down the track at the consequences of a policy change.
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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 August 30 2008
Q&As: A poem from the past shows how our attitudes to debt have changed. Will they change back again?
Reader wonders how long she has to wait for the government to change the law about employer KiwiSaver contributions
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NZ Herald August 2 2008
Q&As: 3 Q&As on whether New Zealand should raise GST and reduce income tax - including how some farmers cheat on their taxes, and whether we want to encourage people to work longer hours.
Why KiwiSaver providers are highly unlikely to suffer the same fate as many finance companies.
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NZ Herald July 12 2008
Article and then two Q&As about the Government's proposed changes to prevent employers from paying less to KiwiSaver employees than to other employees.
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NZ Herald May 3 2008
Q&As: Measuring movements of the Kiwi dollar against the US dollar can be quite misleading.
Last week's boss responds to my response to him!
KiwiSaver tough on small businesses.
Many reasons to use Indian labour rather than NZ labour.
NZ workers not so bad.
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NZ Herald December 15 2007
Q&As: Courses and grants help beneficiaries set up their own businesses.
Big earner is wrong to think KiwiSaver is not for him.
Why KiwiSaver money sits around at Inland Revenue for several weeks - although at least it earns interest.
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Holm Truths Winter 2007
A scheme for everyone: KiwiSaver is a good idea for every NZ resident under 65 - including self-employed, beneficiaries, adults not in the work force and children.
Also in this issue: From the mailbox - A financial planner offers some gems of wisdom, but I'm not totally convinced.
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NZ Herald January 13 2007
Q&As: Options for a newly retired couple with $200,000 and no home include part-time work, buying a home with a flat attached, an interest-only mortgage and equity release.
Two Q&As on which investments are affected by the new tax law on international shares, and how it will work for investors.
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NZ Herald March 4 2006
Q&As: Eftpos v credit cards. And bank fees.
The investment outlook is gloomy, so save!
Wealth doesn't make you happy.
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NZ Herald December 10 2005
Q&As: $29,000 rental in Gore not the thing for a risk-averse man.
More on tax on a second job.
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NZ Herald December 3 2005
Q&As: Who gets the money when mortgage rates increase?
2 Q&As on whether the tax rate on second jobs is fair.
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NZ Herald November 12 2005
Q&As: The pros and cons of self employment and income splitting.
Comparing shares with property is tricky.
How movements in the dollar affect investment in international share funds.
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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 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 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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