Rnz: Your Money With Mary Holm

Today Mary talks to Jesse about how it's OK to give up on ever owning a home and how it can work to be a long-term renter.

Today Mary talks to Jesse about children and Kiwisaver a way to get them started early and potentially set up with a 33 thousand dollar home deposit by the time they turn 18.

Today Mary talks to Jesse about the Kiwisaver positive results for the first quarter of 2023. There's also new Kiwisaver help for new parents.

This week Mary Holm talks to Jesse about 'laddering' a clever way with term deposits and even mortgages. She explains exactly what it is and how it can give longer term returns on deposits; frequent access to some of your money; some protection from back luck and timing.

Today Mary talks about the importance of 'emergency money'. A recent Financial Services Council survey found that 39% of New Zealanders don't have access to $5000 within a week without borrowing. She has some tips on how to have an emergency fund on hand and how easy it can be.

Today Mary Holm speaks to Charlotte Ryan about how to complain about any financial service in NZ. Research from the FMA shows that only a third of New Zealanders would know what to do if they were treated unfairly by a financial services provider.

Today Mary talks to Jesse about what she's learnt from the Film Fraud Festival. The festival has been on a the the Q Theatre in Auckland and Mary is talking about some of the warning signs that you're being contacted by a fraudster and ways to check who they are.mon

Today Mary talks about unusual KiwiSaver investments.

    Today Mary talks about why Kiwisaver default members are getting a bad deal, and problems with benchmarks for all KiwiSaver funds.  

Today Mary Holm talks to Jesse about a harrowing few days being trapped in Piha while visiting friends. She's manage to leave the flood hit suburb, but says it's been a tough time for locals with no power, no phone and no runnig water.

For her first chat of 2023 with Jesse, Mary Holm talks about some positive financial issues. She has a list of spending that makes people happy, including paying off debt, paying for travel and events, as well as beautifying homes with plants and art.

This week Mary talks to Jesse about the worrying state of the finances for the over 65 age group in New Zealand. She's been looking at the latest data in the Retirement Commission's report which is released every three years. 

Today Mary talks to Jesse about the emails she received from people explaining who they would gift one of her two books to!

Today Mary talks about 3 types of mortgages she's describing as clever. You also have a chance to win a copy of one of her two latest books. You can enter by saying in 30 words or fewer who you would give the book to and why. You send the email to mary@maryholm.com. 

Today Mary Holm talks to Jesse about which funds, in and out of Kiwisaver, are best at different life stages. She says it's less about age than it is about how you will spend the money and risk tolerance.

Today Mary talks to Jesse about mortgages and whether or not you should be fixing them while there's such volatility with interest rates. She also discusses ways to split your risk with investments in these uncertain times, such as diversifying your investing.

Today Mary talks to Jesse about the Financial Markets Authority report on KiwiSaver. She also answers a question from a retired listener who has lost a substantial amount of money from her Kiwisaver in the past 10 months and wonders what she should change to stop the losses.

Your Money with Mary Holm

Today Mary talks to Jesse about the range of numbers around in terms of Kiwisaver and what they all mean. She also recommends using the Sorted KiwiSaver calculator to help work out what messages they are sending.

Today Mary Holm talks to Jesse about whether retired people can "eat their houses". She's exploring the idea that many retirees are short of cash but own very valuable homes. She has some ideas on how to get an income from your assets.