So you have started a new business from home, it’s still small beginnings and you wonder to yourself: “What risks are involved that I would need business insurance if I am working from home and have no premises to worry about?”. Whilst your revenue may be small, the answer to the question of whether your […]
Category Archives: Financial Planning
5 FINANCIAL LESSONS FROM 2014
When it comes to debt management you need to have some contingency plans in place for those unexpected and uncontrollable circumstances that can put a strain on your cash flow. To best plan for the unforeseeable future, we look to the past and identify trends that may recur in the future: Fuelling Up Looking back […]
AVOID THE ‘NEW DIET’ APPROACH TO INVESTING
Saving is a tricky financial discipline to master. Most people agree that it’s wise to save, but are unsure as how best to do it. They try one way, take a break, then try another. It’s similar to the way many people try to eat healthily. Again, we all agree to the benefits of healthy […]
HOW CAN I LOWER MY CAR INSURANCE?
Insurance is one of those purchases that requires a mature and foresightful mindset. The reality is that it’s not really about if you will have a bump or a scrape, but when… Once you come to terms with this, it then becomes a question of spending as little as needed on your premiums whilst getting […]
INVESTING IN ETF’S FOR KIDS
If you are interested in investing for your children’s future education, a good way to achieve this is with exchange-traded funds (ETF). It is best advised to have a balanced portfolio spread over multiple asset classes so as to reduce volatility and enhance performance potential. You should consider the following points when setting up education […]
10 TIPS FOR FINANCIAL PLANNING
Do you want to begin your 2015 financial year on a good note? Then what better time to review your financial plan! A financial plan provides you with the financial security to overcome unforeseen events and map out a financial future for yourself. When creating a financial plan you need to identify key achievable goals […]
5 WAYS TO MAKE YOUR FINANCIAL GOALS ACHIEVABLE
As 2014 has rolled over into 2015 people have invariably affirmed some New Year’s resolutions, but did you know that around one out of four people abandon their resolutions after one week! Seven days is all it takes to swerve off course. This isn’t because they have changed their minds about what they want, it’s […]
A FRESH START, TO YOUR CREDIT RECORD
Having an impaired credit record is an affliction suffered by almost half of the 21 million consumers in South Africa. This ranges from consumers with defaults, judgements, administration orders and consumers who were three months or more in arrears with account payments. Recently, between 1 April and 31 May 2014, the South African government implemented […]
WHAT WILL IT REALLY COST ME?
The current SA stats for breast cancer reveal that one in thirty-six women has breast cancer. My blog last week spoke about the general costs and overall statistics of cancer, but today I’d like to get a little more specific as to the expected ‘realistic’ impact that breast cancer will have on those who may […]
A DIFFERENT APPROACH TO DREAD DISEASE COVER
One of the reasons that I have my blog and Facebook page is that this industry changes about as regularly as the price of petrol. A financial solution that we relied on five years ago may still apply, but it also may not. There may be better options, better approaches; better products, for your needs. […]