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Discovery Keycare 2019 | Is it the right choice for you?
Boitumelo isn’t your average young women starting her first job. She’s also the head of a single parent household with a young son to take care of. Her story gets a lot more complicated. Her son lives with her mom in the Transkei while Boitumelo stays in Gauteng. Her...
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What will Discovery Health cost in 2019? Download our free plan comparison calculator
Should you downgrade to a cheaper plan next year...or upgrade to a more expensive one? Today we're only looking at the Rands and Cents equation when making that decision. However, before we wax lyrical, none of this is going to make any sense unless you first download...
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Why you should compare car insurance quotes with BetterCompare.co.za
There is a car insurance advert that’s currently being flighted on TV (feels like we’ve seen it a million times already) where a charismatic young guy rolls around with “happy customers” in a car, chatting about how much money they’ve saved since switching. Hands up...
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Tax Free Savings Plans | The reasons you should consider investing in one!
We don’t have a great savings culture in South Africa. Perhaps it’s because we are battling to keep our proverbial heads above water, or maybe most of us simply have a “live for today” philosophy which is tough to shake. Either way government recognizes our “lack of...
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Colectiv sponsored post | We’ve got an insurer that will give you life cover for mahala!
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...
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Your medical aid contribution is only tax deductible to a point – What point exactly?
Not too long ago your medical aid scheme contributions were tax deductible within limits. Then, in March 2012, SARS did away with this system and introduced Medical Scheme Fees Tax Credits (MTC). Let’s look at two things: how it works, and why we...
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If you hate life insurance, you’ll love this!
What if I told you: “For every Rand spent with me on life insurance, I’ll invest up to one of my own Rands into an investment in your name"? Well, if it was me saying that, then I’d recommend you run for the hills, but if someone with more financial muscle is...
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Discovery Health 2019 | There’s good news & bad!
I wouldn’t join Discovery Health if you paid me. They’re too expensive and they don’t pay your claims. We’ve heard this often enough, but how true is it? Is it a case of tall trees catching much wind? Hopefully, it’s good news although there is some bad news. So, how...
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Preservation Funds | Are you throwing good money after bad?
If you aren't already invested in a Preservation Fund, then this one's especially for you. It could end up saving you money. However, if you're already invested in either a Pension or a Provident Preservation fund then it could prevent you from...
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Keep your money in the bank or invest with an asset manager?
What should you do with your spare money? Stick it in a bank account or invest in a unit trust fund, managed by an asset manager? It really depends on your answers to a few questions which we will cover in this blog post. Before we get into those...
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FinChoice | When you need money in a hurry!
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...
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What if the contents of your office is your biggest risk?
“We’re a software development company. Yes, sure we need fire insurance for the stock and machinery we own, but the landlord has insurance for the building. What should we do about our office furniture?” “If you scroll down the insurance schedule you’ll notice we’ve...
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The taxman can’t wait for your retirement!
“We need R200,000 urgently. Can you cash in our preservation fund?” Remember in our previous article, how we received this request from a client followed shortly by a query: “Why were we only paid R130,000?” What a question to get first thing on a...
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5 reasons why your business needs fire insurance!
I got a call from a business client the other day. Turns out the new financial manager wants to cut costs and the first thing he’s considering, is insurance. His first question: “Why are we paying for fire insurance?” So how do you explain this to someone when you’ve...
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Old Mutual sponsored post | Can you trust government to sort out your affairs when you pass away?
When it comes to financial planning, we can think of only two types of people who wouldn’t be interested in a Will document: those who have no assets to mention, and those who are happily married and have no dependants at all. However, for the rest of us,...
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Why cashing in your pension fund is a really bad idea!
“We need R200,000 urgently. Can you cash in our pension fund?” What seemed a simple enough instruction, turned out to be my biggest nightmare when I received a call from them two weeks later. “Why were we only paid R130,000?” Believe me, that’s not...
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Old Mutual sponsored post | What a financial plan tells you about the past, present and future
In a couple of days, I’m on my way to the Kruger Park, more specifically, on my way to the Letaba rest camp. But I’m facing a huge problem… You see, I’ve got to be at the Phalaborwa gate at six in the morning. But getting to Phalaborwa is proving to be the problem....
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Old Mutual sponsored post | Who is responsible for you during the last 20 to 30 years of your life?
If you’re one of the lucky ones, here’s a snapshot of your life… You spend 18 years of it going to school. Maybe you’re fortunate enough to spend another 3 to 5 years attending University – which is what, 23 years in total – and then you start your career. You then...
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Do you feel like the value of your money has halved in the last 2 years?
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...
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Old Mutual sponsored post | How much do you need to save to retire on R10,000 per month?
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 problem. R10,000 a...
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Life Insurance
Lets be honest for a second. Nobody wakes up thinking about life insurance! But at a certain point in your life, you simply cannot afford not to have it in place. Learn more about Life Insurance here.
Car & Home Insurance
Just about everybody has been burnt when it comes to car and home insurance. Spend some time understanding the nitty gritty and avoid repudiated claims and heartache. Read about Car & Home Insurance here.
Funeral Insurance
If you have enough spare cash lying around you don’t need funeral insurance. But do you really have enough spare cash lying around? Probably not, right? Read our Funeral Insurance blogs.
Legal Cover
How much does a hot shot lawyer cost? Big bucks china. Do you need Legal Cover and what do policies actually cover you for? Read about Legal Cover here.
Investments
Unless you are planning to hit the Lotto, you know you need to be saving for your future. But which products and how much? Read about Investments here.
Personal Loans
Is money too tight to mention? You aint the only one feeling the heat. Should you be looking at a personal loan? Learn more about Personal Loans here.
Medical Aid
Which scheme should you pick? What plan should you be on? Picking a medical aid that is right for you can be a minefield. Learn about Medical Aid here.
Medical Insurance
What if you cant afford a “fancy shmancy” medical aid? Are there any options available? Is medical health insurance even a viable option. Read our blogs on Medical Insurance here.
Financial Planning
It all starts with a plan Stan! Find out how to build a rock solid financial plan you can revisit and tweek as you move along. Learn more about Financial Planning here.
Pet Insurance
Should you get a medical aid for your dog or cat? Would you be barking mad to even consider it? Read more about Pet Insurance.
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