“Home is not a place; it’s a feeling.” (Cecelia Ahern)
Deciding whether to buy or rent your home may be one of the most important financial decisions you’ll ever make. Ultimately, the choice comes down to a combination of financial variables and personal factors, which, as we know, fluctuate unpredictably.
Rands and cents
Let’s start by comparing the costs of renting and buying […]
“The two-pot system is meant to support long-term retirement savings while offering flexibility to help fund members in financial distress.” (National Treasury)
With two new pots added to what used to be the one-pot South African retirement system, fund members can now access a portion of their retirement savings before retirement, while still preserving savings for retirement. There are, however, immediate […]
Divorce is the one human tragedy that reduces everything to cash.” (Rita Mae Brown)
How will the new “Three-Pot Retirement System” (often referred to as a “Two-Pot System”) affect financial arrangements on divorce? Retirement savings can amount to a significant portion of a marriage’s assets, so it’s important to understand the implications of the new system.
First, a quick refresher
Have a look […]
When you think of financial wisdom, Dr. Seuss might not be the first guru that pops into your head. But hidden within his playful rhymes and zany characters lie profound lessons that can guide us on our journey to financial freedom. Dr. Seuss’s stories are more than just bedtime tales—they are blueprints for a balanced, mindful approach to money.
“Always plan ahead. It wasn’t raining when Noah built the ark.” (Richard Cushing)
When most people think about insurance, they usually consider the basics: health, life, car, and home insurance. However, there are other kinds of insurance that might not be as well-known but can provide significant financial protection in unexpected situations.
While they may not necessarily be relevant or valuable to […]
Let’s celebrate women’s day. Tt commemorates the 1956 women’s march on the union buildings to protest apartheid.
“If a man is not faithful to his own individuality, he cannot be loyal to anything.” (Claude McKay)
Case study 1: Family matters
One financial advisor told us about a 68-year-old client who sold his business and worried his children would be ruined by inheriting too much wealth. The advisor created a Family Constitution outlining rights, values, and responsibilities for managing family […]
In terms of business expenses, professional photography is often an item on the list that is seen as expendable. After all, you could take some pictures yourself. There are other, more important things you should be spending your organization’s funds on than professional photography, right?
Very wrong.
The truth is that every business no matter the industry can benefit from having professional […]
“Change is not a gate we pass through; it is the definition of life.” (Millie Florence)
The good
Supporters of the change believe that introducing an accessible savings pot can provide salvation for those in financial crises, like the one caused by the Covid pandemic. It will help people to avoid debt and prevent people from resigning from their jobs to access […]
We’ve recently presented a few workshops on ‘Social Media and the Law’. For many attendees, one of the hottest topics has been the ownership of personal LinkedIn pages. Have you ever considered that your LinkedIn profile (along with your password and connections) could actually belong to your company? We kid you not…
Decentralized databases
In the good old days, one of […]
