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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...read more
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...read more
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...read more
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...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
“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...read more
“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...read more
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...read more
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,...read more
“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...read more
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....read more
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...read more
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
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...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 problem. R10,000 a...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
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