YOU’VE BEEN LIED TO YOUR ENTIRE WORKING LIFE – THIS IS THE WAKE UP CALL

How a simple financial planning exercise will reveal the truth

Let me explain… Since you left school you’ve been chasing the dream of financial freedom.  The dream of: Working hard, Getting promoted, Earning tons more money, and Finally achieving financial freedom. But the truth is that the system is geared to eat you up alive. The plan is to milk you for as much as […]

SHOULD YOU EVEN BE PAYING TAX?

South Africa's Residence Based Tax System

Should you ever tell SARS about the money you earn overseas?   Sounds a bit unfair, right? Living in London isn’t cheap and having to pay tax locally ain’t nice. Is there a loophole? Let’s find out… The first thing you need to know is that we use a residence based system of tax. So, […]

SHOULD YOU RESIGN AND CASH IN YOUR PROVIDENT FUND?

Provident Fund payout

The question on everyone’s mind: “Is the government trying to steal my provident fund?” Well that could be a possibility further down the road, you never know. Who’s to say they won’t force all pension and provident funds to invest in government bonds at some point? Or introduce some or other ‘extra’ tax on the rich […]

WHAT HAPPENS TO YOUR LIVING ANNUITY WHEN YOU DIE?

Based on true events

Ever wondered what happens to mom or dad’s pension when they die? A close friend of mine discovered the answer in a roundabout way. Here’s her story… It all started with a fight over money “My ex husband passed away three months ago. I’ve been staying over at his house while he was in hospital, but […]

THIS ONE QUESTION MAKES ALL THE DIFFERENCE AT RETIREMENT

a sign post of changing to a new way of life

What is the single most important question you need to ask at retirement? Will you take what you need or what you can afford? “Huh? That doesn’t make sense!” Hang on a moment, it might not make sense right now, but keep reading and you’ll see it makes perfect sense. Picture this scene for a moment… […]

THREE EMERGENCY NUMBERS THAT SHOULD BE ON YOUR PHONE

A speeding emergency medical services ambulance

Where’s your insurance company’s emergency assistance number when you need it? Let’s fix that problem right now! Grab your phone – whip out your car and home insurance policy – and store their emergency number on your phone. And while you’re doing that, store your policy number as well (or know your ID number off by heart). […]

IS IT WISE GETTING MARRIED WITH AN ANTENUPTIAL CONTRACT?

a young man an a young woman signing a prenuptial

So you’re thinking of getting married, are you? The big day is fast approaching and mom’s driving you up the wall… She’s juggling caterer, florist, and ‘Dominie’,* while dad’s on the couch, a fat smile on his face, telling everyone to ‘calm down and relax’… Hours and hours of preparation have been put into planning one of the […]

THIS IS WHY HAVING A SPOUSE IS IMPORTANT

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…  […]

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 […]

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. […]