THREE REASONS WHY YOU NEED A WILL

Last will and testament

What is the single most important thing you own? Maybe a home? Or how about that car? Nothing at all? Here’s one for the ladies…what about your shoe collection? We all own something, right? So I guess this raises a second question. Who gets to own all this ‘stuff’ when you pass away? Now isn’t that a good question. […]

TWO QUESTIONS EVERY PENSIONER ASKS

portrait of elderly man

Which pays a better income when you retire – living annuity or conventional annuity? In a previous article we wrote about whether we’d recommend a living annuity to you. At the end of that article I also mentioned that I’d tell you a little on how living annuities work. Now what’s important here, is that you don’t wait […]

QUESTIONS TO ASK BEFORE BUYING A RETIREMENT ANNUITY

Bewildered couple asking retirement annuity questions

Ever wondered what you can and can’t do with your retirement annuity? Here are some humdinger questions I’ve been asked in the past: Can’t I just pay the tax and take the full amount in cash? Can I retire at a later date? I got a letter saying my retirement annuity has matured. Should I ignore it? […]

IS IT TIME TO GET OUT OF THE SHAREMARKET?

Bull Market

“Is it time to get back into cash?” Just yesterday I was asked to look deep into my crystal ball again. The question on everyone’s mind is: “The local sharemarket is wobbling. Greece is in crisis. My investments aren’t returning what I’m expecting them to. What should I do?” Now this isn’t a biggie for […]

THE DIFFERENCE BETWEEN MEDICAL INSURANCE AND MEDICAL AID

Couple signing health insurance contract

So today I got to answer a really great question. “What’s the difference between medical insurance and medical aid?” It gets even worse. There are hospital plans offered by short term insurance companies and hospital plans offered by medical aid schemes. You might not have known this, but there are three types of businesses looking to separate […]

CHRONIC DISEASES, MEDICAL AIDS, AND WAITING PERIODS

Do They Have Anything In Common?

Waiting

So why the silly title, “Chronic diseases, medical aids, and waiting periods”? It all became very relevant to us a little over a month ago when one of our clients suffered a health scare. It all started with an aching pain in the chest which steadily got worse as the day progressed. It involved an […]

DO YOU HAVE ENOUGH CASH LYING AROUND IF YOUR CAR FINALLY PACKS UP?

Woman being very angry because of her car's failed engine

At some point or another we’ve all experienced that awful knocking sound a car makes when something is about to pack up! It sounds like, well it sound like “cash”! Cash we don’t really have lying around, which we’re going to need to find in order to sort the issue out. But thankfully there is […]

HOW MUCH SHOULD YOU INVEST IN YOUR RETIREMENT ANNUITY?

Retirement annuity tax deductibility

Are you clueless when it comes to working out how much to invest in a retirement annuity? Well, we’re about to teach you how to do your own retirement annuity calculation. You do know that the money you invest into a retirement annuity (RA) is tax deductible, and that the tax deductible amount differs from person to person? […]