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By 4 February 2012

While I’d prefer discussing business insurance with you, tax is always fun.
I mean think about it, should the partnership be viewed as a funnel with all the money pouring in the top, all the expenses being deducted, tax paid on whatever’s left over by the partnership, and the tax-free profit ...

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Ask any good financial planner out there for the formula to getting out of debt and they’ll tell you…
“You approach your bank for a short-term loan and negotiate a very competitive interest rate. Then you take all your smaller short-term loans with high interest rates payable and pay them off ...

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Thumbnail image for Only 52% Of Life Cover Applicants Get Standard Rates!
By 3 February 2012

It’s always interesting to find out who is buying life insurance. Is it still predominantly middle aged men? How many of them are getting cover at standard rates? Altrisk have just released fresh data on the profile of the average life insurance client that come onto their books in 2011.
No prizes ...

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Thumbnail image for “But I Don’t Want It Repaired…I Want A Brand-New One!”
By 2 February 2012

So do I…So do I!
Let me tell you a quick insurance story about Brad.
Brad’s daughter got hold of his laptop bright and early one morning after he left it on the kitchen table overnight. After banging around on the keyboard for some time, she got bored and turned her attention ...

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Thumbnail image for Use A DSP Or Else Your Medical Scheme Will Apply Co-Payments To Your PMB Conditions
By 31 January 2012

“DSP’s, PMB’s, dude what are you going on about?”. I’m actually talking about your medical aid plan and not some new psychedelic drugs kids are popping in nightclubs.You see your medical scheme is legally obliged to pick up the cost of certain procedures called Prescribed Minimum Benefits (PMB’s) in full ...

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Thumbnail image for Factor In Executors Fees When Taking Out Life Insurance
By 30 January 2012

If you’ve got a valid will document in place you’ve also nominated an executor. “What’s an executor you ask?” That’s the person / institution responsible for winding up your estate when you pass on. But just like everyone else, your executor needs to get paid. So where is that money ...

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Thumbnail image for How Does The Business Cycle Affect Your Investments
By 29 January 2012

The vast majority of investors always seem to get the signs wrong when it comes to the timing of investments. In this article we’re going to look at the business cycle and identify some of the more common mistakes made by investors.
At the start of the business cycle
In this phase, ...

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Thumbnail image for Why Should You Be Using A Personal Budget?
By 28 January 2012

So far this year – with regard to financial planning – we’ve discussed:

calculating your net asset value (balance sheet)
calculating your income and expenditure (income statement)

And today we’re discussing the use of a personal budget!
How important is it to have a personal budget?
In the immortal words of “Stone cold” Steve Austin: ...

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Thumbnail image for 20 Commercial Insurance Covers For Your Business
By 27 January 2012

As a business owner you are faced with a million things you need to do on a daily basis. Trust me, I feel your pain because I’m in the same boat. One of the crucial things you want to put to bed as quickly as possible is your commercial insurance. ...

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Thumbnail image for Car Jamming Has Insurance Implications
By 26 January 2012

Vehicle owners are being hit hard with thefts of valuables from parked cars as car jamming gangs targets shopping centres and schools in the northern suburbs.  A report on the front page of the Star newspaper yesterday (25 Jan) says a dramatic shootout unfolded at Bryanston Parallel Medium Primary School ...

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