Blog

Four things to do if the markets crash this December

December should be a time of rest and relaxation - but for South African investors, the month comes with ominous memories. ‘Nenegate’ and Zuma’s infamous cabinet reshuffle, the Steinhoff collapse and several other rand-slaughtering incidents occurred in the month of the year when everyone was hopefully on holiday; plus the ANC elections occur next December…
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Your Christmas wish list for increasing productivity in 2019

It’s that time of year again, when loved ones begin asking: ‘what do you want for Christmas?’ Your PA is also going to look at you with expectant eyes in terms of what gifts to order for clients, seniors in the company and such. Answering ‘nothing’ is not going to get you very far with…
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Books to read on the beach that’ll inspire you for 2019

A change is as good as a holiday, and a holiday is a good place to start a positive change. For those lucky enough to be going away at the end of this year, we’ve rounded up some of the books the world’s brightest sparks are raving about to get you feeling excited about 2019…
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Is now the time to buy or rent?

Various factors, such as employment prospects, family situations, lifestyle choices and investment goals, come in to making the decision about whether to buy or rent a home. In any market, there are different reasons for why you may choose to do one or the other, as there are good arguments for both renting and buying…
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The right REIT

A real estate investment trust (REIT) is a company that finances, operates or owns real estate that produces an income, and is a way for investors to have a liquid stake in the real estate market. According to Nareit, which is the representative voice for REITs, more than 225 REITs were trading on an American…
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Why is travel insurance so important

According to recent statistics, 5.5 million South Africans travelled abroad in 2016, showing that travel has become a part of many people’s lives — be that for business or leisure. A vacation can be an enriching experience that allows us to step away from our daily lives to relax and, enjoying it with added peace-of-mind…
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Rent out your home this holiday season

Many South Africans choose to take advantage of the public holidays and the warm weather by visiting loved ones or going on an adventure over December and January. However, expenditure over this festive season can quickly add up if you’ve planned a well-deserved break. It, therefore, can be worth renting out your house for the…
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Holiday Home Considerations

Although the demand for holiday homes in South Africa lost some momentum at the start of last year, according to the FNB Holiday Town House Price Index for February 2018, a renewed year-on-year growth acceleration was demonstrated in the results of the last half of 2017. In fact, the demand for holiday homes in South…
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Who pays the difference?

Good health care is not always easily obtainable and quickly becomes a costly experience. Many people who have health cover policies sometimes expect to have more cover than their policy actually includes, and they are saddled with high shortfall bills; they land up paying the difference between the medical cover rate, and the cost of…
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Time to Review your Medical Cover

Towards the end of every year, many medical schemes announce their annual contribution increases for the following year. This makes these last few months of 2018 the perfect time to review your cover and make any necessary amendments, as, until the start of December, most medical aid providers will allow you to change plans or…
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Make a Mental Note

“Without mental health there can be no true physical health” - Dr Brock Chisholm, the first Director-General of the World Health Organisation (WHO) Dr Brock Chisholm was a psychiatrist who asserted the notion that mental and physical health are linked, and an increasing amount of evidence highlights the impact that mental illnesses — particularly depression…
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The Lowdown on Inheritance and Donations Tax

Understanding how your (or your loved one’s) possessions and wealth are treated when you pass away is crucial to how you plan for what will happen to them. This blog is aimed at breaking down an incredibly paper-heavy, jargon-filled process! When a taxpayer dies, all their assets are placed in an estate, which is commonly…
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Risk Insurance Series: Risk Insurance

Risk Insurance covers very specific financial products that are aimed at providing an income or payout when certain life circumstances prevent us from earning our normal income or destroy our wealth. In this video, Ruark shares an overview to the following: Disability/Functional Impairment Insurance Critical Illness Insurance Life Insurance Income for dependents Debt considerations and…
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