RECOVERY MONEY

Unless you’ve already had a debilitating illness, the last thing you think about is your health failing you for anything longer than your hospital stay. As a result, we tend to only include a hospital plan, and perhaps some GAP cover in our financial planning. But what happens if the accident means that you can’t […]

CRITICAL ILLNESS | ARE YOU SUFFICIENTLY COVERED?

Women submit more critical illness claims than men. RISKSA published an online article that shed some light on an area of financial planning that appears to be largely overlooked, or at least, underestimated.  A key consideration for every financial portfolio is to insure your most valuable asset – your ability to earn an income. Traditionally […]

PLANNING FOR THE UNEXPECTED

How can you plan for the unexpected… and, if you’re expecting it, then how can it be unexpected? Well, those are good questions! Planning and arranging your spending plan to include the ‘unexpected’ is a wise approach to take. When we talk about unexpected costs we generally mean services or commodities that are over-and-above what […]

DON’T THROW YOUR MONEY AWAY

The number of people who are currently saving is declining, research shows. Last year MasterCard conducted a survey to discern consumer purchasing priorities and the research revealed that saving is a forgone priority in an increasing amount of household budgets. The biggest barrier-to-entry in any budget for savings is the belief that there is no […]

BUY OR RENT?

In an article published on Fin24 earlier this year, it was said that homes are expected to become less affordable this year (2014). John Loos, household and property sector strategist at FNB Home Loans, said the following: “After six years of improving residential property affordability, 2014 could be a year in which this improving affordability […]

MIND THE GAP

For those of you who have travelled on a tube in London, you’ll know the familiar sound of the lady saying “Mind the gap.” as you step on and off your tube. In fact, even if you haven’t travelled to the Big Smoke, you’ve probably heard about it. However, when people buy health cover they’re […]

HOW ARE THE MARKETS LOOKING?

Fluctuations in the markets are one of their defining characteristics.  Various factors contribute to the vicissitudes of investor behaviour, both locally and globally, and many of these are psychological factors that are strongly influenced by perceptions – and an interest rate hike will surely shake the boat. It’s always good to know how your investment […]

FUEL PRICE ADVICE

What goes up must come down… except for the fuel price! A little over a week into the new month and all drivers are already feeling the weight of the escalating petrol and diesel prices.  Reaching record heights last week, petrol pumps are now set at over R14 per litre (R13.95 at the coast), and […]

#BUDGET2014 – THE SKINNY

Last week Pravin Gordhan, Finance Minister to President Jacob Zuma, delivered his final budget speech for the current administration.  Financial gurus, economists, financial planners and all those money-astute, sat rapt and listened with educated ears to the updated blueprints for South Africa’s future. This blog is not written with them in mind, but rather for […]

PAY SARS LESS. PAY YOURSELF MORE.

With only a few days left in the tax year, you have just enough time to make a prudent financial decision that may save you a few thousand rand on your next tax return, and earn you considerably more than that at retirement!  It’s common practice amongst those astute in minimising their tax deficits and […]