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Thumbnail image for Happy 21st Birthday Now Get Off My Medical Aid!
By 4 April 2012

When do kids stop becoming kids? “Never” I hear you chuckle! I don’t have any of my own (just yet) but I have seen a couple of 40 year old kids in my time! The problem is your medical aid scheme isn’t going to allow your 40 year old to ...

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Thumbnail image for Does Your Life Insurer Really Know What You Do For A Living?
By 3 April 2012

I’m writing this blog post because I recently picked up an interesting article in the paper (Saturday Star – Personal Finance – 31st March – Bruce Cameron). So what was jist of the story? This was the headline. “Life assurers reject disability claims if your job description isn’t accurate.” It ...

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Thumbnail image for How Will Capital Gains Tax Be Calculated in 2012 – Part Three
By 2 April 2012

Last week we discussed how capital gains tax was calculated in 2011. In this week’s financial planning article we are going to look at how capital gains tax will be calculated from March 2012 onwards. Remember that the calculation we’re doing is based on the individual and not on a ...

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Thumbnail image for How To Buy Life Insurance In Under 10 Minutes
By

If the thought of filling in a 10 to 30 page life insurance application, and then having to go for medicals, makes you darnright ill…then watch this video for an exciting alternative!

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Thumbnail image for How Does That Medical Aid Late Joiner Penalty Thing Work Again?
By 29 March 2012

So you haven’t been on a medical aid scheme before but finally you’ve decided to dig deep into your pocket and apply to become a member. Let’s just say the thought of landing up in a government facility nowadays has moved you swiftly into action. “But why is the medical ...

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Thumbnail image for How Do They Calculate Capital Gains Tax – Part Two
By 28 March 2012

Last week in financial planning you were briefly introduced to capital gains tax. This week we are going to look at how capital gains tax was calculated in 2011. Next week we’ll look at how things work in 2012.
The first thing you need to know is that capital gains tax ...

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Thumbnail image for Do I Need Additional Medicals Everytime I Want Extra Life Insurance?
By 26 March 2012

You’ve moved into a bigger spot (and it’s coupled with a much larger mortgage), the wife’s got another bun in the oven and it’s become pretty evident that you need more life insurance. With your busy schedule the last thing you want is another needle jab in the arm and ...

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By 23 March 2012

Let’s face it…government is now targeting the so-called “wealthy” among us! A major focus in the 2012 budget speech was the switch from taxing companies who declare dividends (therebt encouraging companies not to declare dividends), to the shareholders who will now get taxed on the receipt of dividends. Another almost ...

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By 22 March 2012

Paul is retiring this year…
He approached us with the following financial planning dilemma:

Should he take the full one third allowed to him in cash and pay the tax (if any), or
Should he take only the tax-free portion of the one third he is allowed?

To answer this question, let’s take a ...

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Thumbnail image for Is A Funeral Benefit Automatically Included In My Life Insurance Policy?
By 20 March 2012

When you pass away your spouse is going to need some instant cash for a funeral (like in 72 hours). The problem is that life insurance pay-outs take a little longer than a day or two to finalize. So what now? How does your spouse get their hands on quick ...

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