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Latest blog posts
Do you feel bleak about the future of South Africa? Forget about crime, corruption, land expropriation and all that sort of stuff. Bad enough as these things are, right now, the middle class is on a hiding to nothing. And most worrying of all, it...read more
Can I borrow R3,000 until the end of the month? Terrible feeling that, having more month than money. But let’s be honest, most of us have been in a similar predicament at some or other point in our lives? First you hit the easy targets – mom and...read more
Here’s the pickle you might find yourself in: You’ve figured out that if you were to retire today – with absolutely no debt at all – you’d need R10,000 a month. Okay, maybe you need slightly more than R10,000 a month but you’ve still got the same...read more
Can you still remember the days when we had good old bank managers? No, not the person opening and closing the bank nowadays. Nor the person listening to your complaint about there being too few cashiers on duty during the mad lunch dash. We’re...read more
Old Mutual Sponsored post: Why you need critical illness cover even if you belong to a top medical aid plan!
Private healthcare in South Africa doesn’t come cheap! Most households that can afford to belong to a medical aid scheme spend a few thousand bucks a month for the reassurance that if they get sick, they can afford the best treatment possible. But is it enough? Your...read more
Winding up in hospital in South Africa can be catastrophic…even with medical aid. Imagine ending up in hospital overseas where local medical aid doesn’t work? Recently this happened to two of our clients. Both were smallish claims under R5, 000 and...read more
The question you might be asking is, why should you even care? To be honest, for most of you reading this, it doesn’t make a difference at all. But hey, that doesn’t mean it won’t make a difference in future, so keep reading. Your pay slip – Is it...read more
A 484 page report has just been released by the Competition Commission of South Africa on the state of the private healthcare market in South Africa. The primary reason for the enquiry is the high and ever increasing cost of private healthcare....read more
The draft Medical Schemes Amendment Bill 2018 was published on the 21st of June 2018. Government believes that it’s going to make things cheaper. But is that true? 10 changes are on the cards and open for public comment. In this article we will...read more
Did you know that your Last Will and Testament has more in common with divorce agreements than with any other document known to mankind? Think about a divorce agreement for a moment. The two parties choose to go their separate ways. They haggle...read more
It's fair to say SARS collect a fair amount of our money each month but if you're a black South African earning an income, you might also be paying “black tax” (sharing your salary with family). Whether the notion of “black tax” is right or wrong...read more
It’s a little ironic that even in death the bills keep rolling in (and let’s include death tax as the final bill you need to pay). It might have been the heavy burden of having to constantly pay bills your entire life that put you in the grave to...read more
When your Smart TV breaks down do you have spare bucks lying around to get it fixed? The only downside to buying new stuff is that it eventually gets old. Your super-duper 4K TV eventually loses a little shine and that snazzy fridge continues to do the job, but...read more
Do you need lump sum disability cover? Income replacement cover? Or both? You probably aren’t even aware that you can get your hands on two types of disability cover policies. One pays a lump sum of money at claim stage & the other pays out a...read more
The steps in taking out life insurance have never changed. In exchange for covering your risk (dying, without enough money to look after your family), the life insurer then accepts a regular payment from you called a premium. The day you eventually kick the bucket...read more
Have you ever looked at an offering and wondered if it’s actually worth spending the money? Funeral insurance can be one of those ‘I’m still on the fence’ type of products, right? It's marketed aggressively, so we've all heard our fair share of...read more
Free land could soon become a reality in South Africa but does the concept of 'free' land really exist? Strangely enough, our government, who are pushing for this have as much to lose as anyone else. Government’s conundrum No doubt about it....read more
Discovery Insure: Taking tailor-made insurance to a new level Imagine if your insurer allowed you to write your car and home insurance policy? What type of changes would you make? I can think of quite a few off the top of my head. Take, for...read more
It’s obvious, right? Get yourself a service plan. No need for this article! What can you expect for the money you spend on a service plan? Some plans pay for the service in full, but who knows whether the cost you pay every month is in line with...read more
You’re sitting across the table from your financial advisor talking investments when he or she recommends you stay away from a unit trust and rather go with an endowment. Now you consider yourself to be as intelligent as the next person, but right...read more
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