HeyJaredMary Holm
- Indexed articles, last 90 days
- 5
- Latest publication
- Sep 11, 2026
- Outlet visibility, for NZ Herald
- Top 5K sites
- Earliest in this view
- Jul 17, 2026
Latest articles
Rental property may not pay its way in retirement (opens the original)
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If you get a doer-upper and are happy to put in the work, you might be able to boost the property value considerably, despite the sluggish housing market. Photo / 123rf Q: My husband and I are both five years out from retirement. We both work part-time (total joint salary $100,000). We have been lifelong travellers, students, renters and spenders on experiences, and came to saving late. We have no children or dependants. We recently paid off the mortgage on our home, which is valued at $660,000,
My husband has incurable cancer. Should we use his retirement savings to pay off our mortgage? (opens the original)
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Q: My husband is 58 and I’m 54. He has recently been diagnosed with incurable cancer and is not able to work. While the prognosis isn’t great, we’re hopeful he will stay well for as long as possible. We don’t know if this will be one year or five years. We are looking for advice about the best way to manage our mortgage versus retirement savings in this situation. Should we be using his retirement fund to pay off some or all of our debt? Our remaining mortgage is $230,000 while his retirement fu
Selling the home and taking shelter in the share market (opens the original)
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Q: Should I consider selling my mortgage-free house to invest the full amount in the share market while I rent? The share market (over time at a 10% average) would return far more than the cost of renting. Then I could buy again without a mortgage when I turn 65 – about 13 years from now. My house is worth about $900,000. The proceeds from selling it would, on average, return $90,000 a year. Renting at $800 a week would cost $41,600 a year. Plus no rates or building insurance costs. My wife and
Maybe it's time to sell the rental, clear the debt, have some fun (opens the original)
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The answer for one mid-40s couple feeling bogged down by mortgage payments and interest-only loans could be to sell their rental property, clear the debt and consider more investment in KiwiSaver or managed funds, Mary Holm writes – as long as they spend a little money on having some fun. Photo / 123rf Q: My husband and I are in our mid-40s. We have about $200,000 each in our KiwiSavers, and our home is mortgage-free. We also have a rental property. We’re renting it out for $650 a week and we ne
I'm in a live-apartnership, are my assets going to be safe? (opens the original)
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An increasing number of older couples are choosing to be "live-apartners", keeping their lives and living arrangements separate. But such partnerships can pose problems when it comes to government assistance. Photo / 123rf The Residential Care and Disability Support Services Act 2018 and the Social Security Act 2018 say the assets of both partners in a relationship are generally considered jointly. Spouses or partners are expected to support each other until their combined assets fall below a th
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