THIS IS WHY HAVING A SPOUSE IS IMPORTANT

Spouse on bed

Which of these applies to you? My spouse is important and I’d have it no other way, or No way, I wish I was still single. I’m a huge fan of the first group. That’s because the single life sucks. It’s pretty cool being young and single – pretty awful being old and single. In your twenties…  […]

CAN YOU CLAIM IF CASH IS STOLEN FROM YOUR HOME?

Money safe

Imagine someone walking into your home – ripping your safe out the wall – and walking away with R50, 000 in cash? Well maybe you’re thinking like I’m thinking, “Serves them right!” But what if… You own a cash business which operates after hours. What do you do with your cash till tomorrow morning? Or what if R50, 000 is small change to […]

WILL YOUR RETIREMENT BE THIS SCARY?

Time to Save

Ever wondered how you would live if you lost your job? How would you pay the rent, the food, school fees? Scary, right? But guess what’s even scarier? I’m about to take you into the life of a pensioner. Someone without the possibility of ever finding another job. Someone who depends on whatever he has saved up in […]

ARE YOU SURE YOU WANT TO GET MARRIED IN COMMUNITY OF PROPERTY?

Bride lets a Balloon with Text burst with a needle

“Love is in the air…” Do those words ring any (wedding) bells with you? “Love is in the air, every sight and every sound… and I don’t know whether I’m being foolish; don’t know whether I’m being wise…” Well in case you’re wondering, the purpose of this article is to make you wise about all […]

HOW TO GET LATE JOINER PENALTIES REMOVED

Man with stethoscope holds his hands in handcuffs with money in the pocket

What if you can’t provide proof of previous medical aid scheme membership? Imagine this scenario. A lady wanted to switch from her current scheme to another. They weren’t being charged late joiner penalties at all. They submit their application and a week later the offer comes back slapping them both with 25% late joiner penalties. The monthly cost rockets […]

ARE YOU WILLING TO TAKE THESE RISKS?

Roulette cold color

Which type of insurance costs the most even though it costs the least? Any guesses? Am I talking about car insurance? Household contents? Or even about insuring your home? Actually I’m thinking more along the lines of all risks insurance! Here’s why… All risks insurance covers every possible risk you can imagine: Dropped your cellphone […]

SHOULD YOU BUY LIFE INSURANCE OVER THE PHONE?

Telephone, Connection, Red.

I don’t know about you, but buying life insurance over the phone makes me nervous. Let me tell you why I say so, but first… What do I mean by life insurance over the phone? I mean any company that sells you life insurance: over the phone without a signed application form, and without medicals. And […]

WHY HAVEN’T YOU TAKEN OUT A RETIREMENT ANNUITY?

Taxes

A question we often get asked is this: “Can I take out a retirement annuity if I already belong to a pension or provident fund?” The reason I’m bringing this up is because I’ve just read an oldish brochure from Discovery Invest. Here’s some interesting stuff you might not know: In 2011, South Africa had a population […]

HOW A MEDICAL AID DEDUCTIBLE BECAME HER WORST NIGHTMARE

Deductible

What’s the worst that could happen if your ‘perfect’ medical aid plan turned out to be, well…not so ‘perfect’? Last week I got this angry phone call. It was from one of the staff on a Discovery Health group scheme with us. Man, did she go off at me. To make matters worse, she sends me an email […]