First two given names from the Will of husband, Victor Trevor Fraser, dated 4 May 1980, found on Archives New Zealand Collections found online in July 2025:
"2. (i) IF my wife JOSEPHINE MARGARET FRASER shall survive me for the period of one (1) calendar month then…”.

Date and place of death from the affidavit to lead grant of probate by Lyle Housten Fraser and David John Cochrane from the Will of husband, Victor Trevor Fraser, dated 4 May 1980, found on Archives New Zealand Collections found online in July 2025:
"JOSEPHINE MARGARET ERASER, the original Executor named in the Will, died at Auckland in New Zealand on or about the 24th day of November 1990".

Date of death confirmed, place of burial, estimated year of birth, from the Waikumete Cemetery burial records, page 114, for the:
North Lawn Block E Row 19 contd.
37086 In loving memory of JOSEPHINE MARGARET FRASER died 24 November 1990. Plot 54.
aged 81 years. dearly loved wife of Dick. Ever remembered
[Note: the husband called “Dick” is Victor Trevor Fraser. The headstone inscription of Trevor’s first wife also referred to Victor as “Dick”.

Photo of headstone plaque, from Find a Grave website found in July 2025:
Name: Josephine Margaret Fraser
Birth: 1909
Death: 24 Nov 1990 (aged 80–81)
Burial: Waikumete Cemetery & Crematorium
Glen Eden, Auckland Council, Auckland, New Zealand
Plot: North Lawn E, Row 19, Plot 54

New Zealand Electoral Roll - Roskill Main Roll 1978, found in July 2025:
Fraser, Josephine Margaret, 8 Ellis Avenue, Housewife
Fraser, Victor Trevor, 8 Ellis Avenue, Retired

New Zealand Electoral Roll - Roskill Composite Roll 1981, found in July 2025:
Fraser, Josephine Margaret, 8 Ellis Avenue, Housewife
Fraser, Victor Trevor, 8 Ellis Avenue, retired

New Zealand Electoral Roll - Roskill Main Roll 1987, found in July 2025:
Fraser, Josephine Margaret, 8 Ellis Avenue, Housewife
Fraser, Victor Trevor, 8 Ellis Avenue, Retired

From husband’s, (Victor Trevor Fraser), Will - it is learnt that Josephine had grandchildren. As at July 2025, any previous married name, or her maiden name, is unknown.

Breakthrough in July 2025. Obituary found for one of grandchildren (Stephen George Cochrane) and Obituary for Josephine’s daughter (Colleen), lead to conformation of daughter’s married name of “Cochrane”. Further research, including using the surname of “West” in the death search of daughter on New Zealand BDM website, produced:
2021/5334. Cochrane [West], Colleen Josephine. Date of birth: 3 July 1930

Maiden name of “Bain” name, year and country of Josephine’s first marriage from search on New Zealand BDM website in July 2025:
1929/7334. Bride: Josephine Margaret Bain. Groom: Arthur Nisbet West

Full date of marriage of 2 November 1929 from further searching in July 2025 on BDM Search by incrementally changing the date range for the marriage.

Year and country of birth from search on New Zealand BDM website in July 2025:
1909/6949. Bain, Josephne Margaret. Mother: Margaret. Father: George
[In this record, Josephine's first given name is spelt as above, missing an "i"]

Full date of birth of 15 July 1909 from further searching in July 2025 on BDM Search by incrementally changing the date range for the birth.

Place of birth of "Buller Nelson” from the New Zealand Birth Index found in July 2025
Name: Josephine Margaret Bain
Birth Quarter: Jul-Aug-Sep 1909
Registration Place: Buller, Nelson, New Zealand
Folio Number: 4065

Newly married to first husband in the New Zealand Electoral Roll - Hamilton Supplementary Roll 1931, found in July 2025:
West, Josephine Margaret, Wilson St., married
West, Arthur Nisbet, Wilson St., motor-mechanic

Divorce granted in 1973 as per a 'Restricted' record titled, "West, Arthur Nisbet v West, Josephine Margaret", ID R22717129, found in Archives New Zealand Collections in July 2025.

Appears as living at same ‘Guest House’ address as first husband in 1978 as per the New Zealand Electoral Roll - Mt Albert Main Roll 1978, found in July 2025:
West, Josephine M, 8 Locamo Avenue, Married [still on Roll at same address]?
West, Arthur Nisbet, 8 Locamo Avenue, Gust Hus Prp [First husband]
West, Nellie Rosana Maud, 8 Locamo Avenue, Housewife [Husband’s new wife]
[Note, Josephine and Arthur divorced in 1973. Arthur remarried within a couple of years to Nellie. Arthur and Nellie appear togther on 1975 Electoral Roll].

Determining year of second marriage:
Josephine and Arthur divorce in 1973.
Josephine’s second husband’s, Victor, first wife, Lois, died in 1970.
Yet, Josephine and Victor first appear together in the 1978 Electoral Roll. Therefore, we believe married, say, circa 1976?

The Connection to nzolivers:
This Josephine Margaret Bain's second husband was Victor Trevor Fraser.
Victor was the son of Emma Jones (1867-1939).
Emma is the brother of John Jones (1874-1955.
John's son was Frederick Clifton Jones (1918-1983).
Frederick is the father of Carol Oliver (nee Jones) of nzolivers.