About Linda

Linda Graham is the founder and owner of FinCommunications, a marketing business that specialises in financial services. She has 15 years of marketing experience in South Africa and Australia. She is also a Certified Financial Planner and has 5 years of experience in the field of wealth management.

Dementia: Understanding Your Legal Options

Dementia is a widespread medical condition that affects people of all ages but particularly the elderly, and includes conditions like Alzheimer’s. One of the most significant challenges of dementia is the loss of mental capacity, making it difficult for individuals to make crucial decisions, including those related to their legal affairs, finances and care. This can be particularly problematic when […]

2023-10-12T12:31:49+00:00October 12th, 2023|Findotnews|0 Comments

Why do Some People Have a Problem Spending Money?

2023-09-21T13:58:40+00:00September 21st, 2023|Financial Planning|0 Comments

How to Protect Your Children’s Inheritances from Ending Up in the Guardian’s Fund

“Live each day as if it were your last… because one day, you’ll be right.” (Benny Hill)

It’s always tempting to procrastinate about decisions that force us to address the inevitability of our own mortality. But we have no choice when it comes to protecting our loved ones after we are gone, because to protect them a will (“Last Will and […]

2023-09-01T09:47:02+00:00September 1st, 2023|Financial Planning|0 Comments

Can Your👍Thumbs-Up Emoji or E-Signature Seal a Deal?

Data messages or electronic signatures are now recognised in our law as equivalent to a proper basis upon which a contract can be concluded. Thus, a valid written contract can be concluded electronically.

ECTA (the Electronic Communications and Transactions Act) means that you can, in many cases, create legally binding agreements purely electronically – via email, WhatsApp, social media and the […]

2023-08-01T11:18:35+00:00July 27th, 2023|Financial Planning|0 Comments

How to Take Advantage of the Donations Tax Allowance

“We make a living by what we get, but we make a life by what we give.” (Winston Churchill)

Donations tax 101

Put simply; you can donate an amount of up to R100 000 per year to any third party, like a child or a grandchild, without having to pay donations tax. For example, you could give R30 000 to each of your three grandchildren […]

2023-07-28T07:54:55+00:00July 25th, 2023|Uncategorized|0 Comments

Five Reasons why a Financial Windfall Must be Managed Carefully

Receiving something like a substantial inheritance or the proceeds from a sale of a business can be thrilling. However, it is also often problematic, both because of how we deal with it and how it affects those around us.

Psychologist Stephen Goldbart even coined the term “Sudden Wealth Syndrome” to describe the extreme stress that people who come into large sums […]

2023-07-25T09:03:01+00:00July 25th, 2023|Financial Planning|0 Comments

Make Sure Your Family is Financially Prepared for When You Pass Away

“Death is the penalty we all pay for the privilege of life.” (Robert Half)

We know we can’t escape death. But most of us still do everything we can to ignore or avoid it.

The problem is that if we don’t acknowledge our own mortality, we won’t prepare for it. And, unfortunately, that can have a real impact on our families.

Thinking about […]

2023-07-25T08:54:25+00:00July 25th, 2023|Estate Planning|0 Comments

What’s cooking in the Three Pot System?

And now there are three

If the draft bills are approved, from March 2024 members’ retirement funding will be split into three pots. Namely:

  • The vested pot (amounts accumulated before 29 February 2024)
  • The savings pot (the 1/3 of contributions that is accessible to members)
  • The retirement pot (the 2/3 of contributions that must be preserved until retirement).

The main pros and cons

Advocates for change regard the introduction […]

2023-07-25T05:05:06+00:00July 25th, 2023|Uncategorized|0 Comments

Should I Buy a Holiday House?

2 months of bills for one month of fun

Realistically, how much leave do you take every year? Most people only manage a couple of weeks. Even if you’re one of the lucky few who can take more, it’s still unlikely that you’ll spend more than a month on holiday in one calendar cycle.

But the bills associated with your little slice […]

2023-07-24T07:08:51+00:00July 24th, 2023|Findotnews|0 Comments

How to Invest When There’s So Much Bad News

“Panic is highly contagious, especially in situations when nothing is known and everything is in flux.” (Stephen King)

South African investors have every right to feel concerned. The local economy is facing a heap of problems, and growth has slowed to almost nothing.

The recent weakness in the rand has only made things worse. The local currency was trading at under R16 […]

2023-07-02T13:51:44+00:00July 2nd, 2023|Investing|0 Comments
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