ISBN: 9781775541332 Title: Rich Enough? 8 Steps for the Laid-Back Investor Author: HOLM MARY
The only money guide New Zealanders will ever need Read this one book, set up your money, and then get on with what makes you happy! Laid-back investing is not only easier, it can actually make you richer - in time and money. In this lively, jargon-free book you'll learn how to kill off debt, curb spending, find your best KiwiSaver fund, save painlessly, buy a house - or be happy not buying one, and move confidently towards and through retirement. You'll also learn why setting and forgetting your investments is the best strategy. Find out what many banks, KiwiSaver providers, financial advisers, fund managers, stockbrokers, real estate agents, mortgage brokers, payday lenders and scammers don't want you to know - although the good ones will be happy enough. Unlike many writers of finance books, Mary is not selling any products or services (except this book!). She doesn't want to sign you up for costly advice or courses or investments. She just wants you to do well. She's on your side. 'Mary has that rare ability to cut through the jargon to what really matters. She combines expert wisdom and real-world insights, with fantastic results!' Diane Maxwell, Retirement Commissioner 'Mary Holm is in the first rank of New Zealanders offering simple and wise advice to those who want to take effective steps to secure their future financial wellbeing. This straightforward guide should help ordinary Kiwis navigate their way through the various traps they can fall into.' Michael Cullen, former Deputy Prime Minister and Minister of Finance
var et_link_options_data = [{"class":"et_pb_text_6_tb_footer","url":"mailto:wellington@unitybooks.co.nz","target":"_self"},{"class":"et_pb_text_8_tb_footer","url":"http:\/\/unitybooks.nz\/contact-us\/faqs\/","target":"_blank"},{"class":"et_pb_text_9_tb_footer","url":"https:\/\/unitybooks.co.nz\/pridelands-help-100\/","target":"_self"}];
(function () {
var c = document.body.className;
c = c.replace(/woocommerce-no-js/, 'woocommerce-js');
document.body.className = c;
})();
var wc_add_to_cart_params = {"ajax_url":"\/wp-admin\/admin-ajax.php","wc_ajax_url":"\/?wc-ajax=%%endpoint%%","i18n_view_cart":"View cart","cart_url":"https:\/\/unitybooks.co.nz\/cart\/","is_cart":"","cart_redirect_after_add":"no"};
var wc_single_product_params = {"i18n_required_rating_text":"Please select a rating","review_rating_required":"yes","flexslider":{"rtl":false,"animation":"slide","smoothHeight":true,"directionNav":false,"controlNav":"thumbnails","slideshow":false,"animationSpeed":500,"animationLoop":false,"allowOneSlide":false},"zoom_enabled":"1","zoom_options":[],"photoswipe_enabled":"1","photoswipe_options":{"shareEl":false,"closeOnScroll":false,"history":false,"hideAnimationDuration":0,"showAnimationDuration":0},"flexslider_enabled":"1"};
var wc_cart_fragments_params = {"ajax_url":"\/wp-admin\/admin-ajax.php","wc_ajax_url":"\/?wc-ajax=%%endpoint%%","cart_hash_key":"wc_cart_hash_90e5735cc1f9166bf5f4ff56d33eadb4","fragment_name":"wc_fragments_90e5735cc1f9166bf5f4ff56d33eadb4","request_timeout":"5000"};
var awdr_params = {"ajaxurl":"https:\/\/unitybooks.co.nz\/wp-admin\/admin-ajax.php","nonce":"b3301c7d1f","enable_update_price_with_qty":"show_when_matched","refresh_order_review":"0","custom_target_simple_product":"","custom_target_variable_product":"","js_init_trigger":"","awdr_opacity_to_bulk_table":"","awdr_dynamic_bulk_table_status":"0","awdr_dynamic_bulk_table_off":"on","custom_simple_product_id_selector":"","custom_variable_product_id_selector":""};
var wc_stripe_payment_request_params = {"ajax_url":"\/?wc-ajax=%%endpoint%%","stripe":{"key":"pk_live_51JTzUBIB197v8sCoScgBC3vpAdEkYdSgNMcc1cQFhjzks9y9r7Ujmc1sTjL5pdmjxN1PYhqh16ESNPUgS03jCm3L00E1YtMlaQ","allow_prepaid_card":"yes","locale":"en","is_link_enabled":false,"is_payment_request_enabled":true},"nonce":{"payment":"26f7fe9cb2","shipping":"66b83b4d3c","update_shipping":"22d9647176","checkout":"b69953b394","add_to_cart":"4ab8fc8e62","get_selected_product_data":"717c8ce80f","log_errors":"d6fa8d7d74","clear_cart":"3e1ff6f49e"},"i18n":{"no_prepaid_card":"Sorry, we're not accepting prepaid cards at this time.","unknown_shipping":"Unknown shipping option \"[option]\"."},"checkout":{"url":"https:\/\/unitybooks.co.nz\/checkout\/","currency_code":"nzd","country_code":"NZ","needs_shipping":"no","needs_payer_phone":true},"button":{"type":"buy","theme":"dark","height":"40","locale":"en","branded_type":"long","css_selector":"","label":"","is_custom":false,"is_branded":false},"login_confirmation":"","is_product_page":"1","product":{"shippingOptions":{"id":"pending","label":"Pending","detail":"","amount":0},"displayItems":[{"label":"Rich Enough? 8 Steps for the Laid-Back Investor","amount":4000},{"label":"Shipping","amount":0,"pending":true}],"total":{"label":" (via WooCommerce)","amount":4000},"requestShipping":true,"currency":"nzd","country_code":"NZ"}};
var DIVI = {"item_count":"%d Item","items_count":"%d Items"};
var et_builder_utils_params = {"condition":{"diviTheme":true,"extraTheme":false},"scrollLocations":["app","top"],"builderScrollLocations":{"desktop":"app","tablet":"app","phone":"app"},"onloadScrollLocation":"app","builderType":"fe"};
var et_frontend_scripts = {"builderCssContainerPrefix":"#et-boc","builderCssLayoutPrefix":"#et-boc .et-l"};
var et_pb_custom = {"ajaxurl":"https:\/\/unitybooks.co.nz\/wp-admin\/admin-ajax.php","images_uri":"https:\/\/unitybooks.co.nz\/wp-content\/themes\/Divi\/images","builder_images_uri":"https:\/\/unitybooks.co.nz\/wp-content\/themes\/Divi\/includes\/builder\/images","et_frontend_nonce":"94609dfd5d","subscription_failed":"Please, check the fields below to make sure you entered the correct information.","et_ab_log_nonce":"fe787fad91","fill_message":"Please, fill in the following fields:","contact_error_message":"Please, fix the following errors:","invalid":"Invalid email","captcha":"Captcha","prev":"Prev","previous":"Previous","next":"Next","wrong_captcha":"You entered the wrong number in captcha.","wrong_checkbox":"Checkbox","ignore_waypoints":"no","is_divi_theme_used":"1","widget_search_selector":".widget_search","ab_tests":[],"is_ab_testing_active":"","page_id":"260866","unique_test_id":"","ab_bounce_rate":"5","is_cache_plugin_active":"yes","is_shortcode_tracking":"","tinymce_uri":""};
var et_pb_box_shadow_elements = [];
var wc_stripe_params = {"title":"Credit Card (Stripe)","key":"pk_live_51JTzUBIB197v8sCoScgBC3vpAdEkYdSgNMcc1cQFhjzks9y9r7Ujmc1sTjL5pdmjxN1PYhqh16ESNPUgS03jCm3L00E1YtMlaQ","i18n_terms":"Please accept the terms and conditions first","i18n_required_fields":"Please fill in required checkout fields first","updateFailedOrderNonce":"2868a6b0a5","updatePaymentIntentNonce":"06eb294d15","orderId":"0","checkout_url":"\/?wc-ajax=checkout","stripe_locale":"en","no_prepaid_card_msg":"Sorry, we're not accepting prepaid cards at this time. Your credit card has not been charged. Please try with alternative payment method.","no_sepa_owner_msg":"Please enter your IBAN account name.","no_sepa_iban_msg":"Please enter your IBAN account number.","payment_intent_error":"We couldn't initiate the payment. Please try again.","sepa_mandate_notification":"email","allow_prepaid_card":"yes","inline_cc_form":"no","is_checkout":"no","return_url":"https:\/\/unitybooks.co.nz\/checkout\/order-received\/?utm_nooverride=1","ajaxurl":"\/?wc-ajax=%%endpoint%%","stripe_nonce":"44bc465fff","statement_descriptor":"","elements_options":[],"sepa_elements_options":{"supportedCountries":["SEPA"],"placeholderCountry":"NZ","style":{"base":{"fontSize":"15px"}}},"invalid_owner_name":"Billing First Name and Last Name are required.","is_change_payment_page":"no","is_add_payment_page":"no","is_pay_for_order_page":"no","elements_styling":"","elements_classes":"","add_card_nonce":"dab211c3dc","create_payment_intent_nonce":"b7351a0777","cpf_cnpj_required_msg":"CPF\/CNPJ is a required field","invalid_number":"The card number is not a valid credit card number.","invalid_expiry_month":"The card's expiration month is invalid.","invalid_expiry_year":"The card's expiration year is invalid.","invalid_cvc":"The card's security code is invalid.","incorrect_number":"The card number is incorrect.","incomplete_number":"The card number is incomplete.","incomplete_cvc":"The card's security code is incomplete.","incomplete_expiry":"The card's expiration date is incomplete.","expired_card":"The card has expired.","incorrect_cvc":"The card's security code is incorrect.","incorrect_zip":"The card's zip \/ postal code failed validation.","postal_code_invalid":"Invalid zip code, please correct and try again","invalid_expiry_year_past":"The card's expiration year is in the past","card_declined":"The card was declined.","missing":"There is no card on a customer that is being charged.","processing_error":"An error occurred while processing the card.","invalid_sofort_country":"The billing country is not accepted by Sofort. Please try another country.","email_invalid":"Invalid email address, please correct and try again.","invalid_request_error":"Unable to process this payment, please try again or use alternative method.","amount_too_large":"The order total is too high for this payment method","amount_too_small":"The order total is too low for this payment method","country_code_invalid":"Invalid country code, please try again with a valid country code","tax_id_invalid":"Invalid Tax Id, please try again with a valid tax id"};