How to prioritise and manage debt Owing money or falling behind on repayments can be stressful. The good news is there are steps you can take to relieve the financial pressure. If you are in crisis and struggling to buy food and pay for essentials, see urgent help with money. 1. Know what you owe The […]
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When you can diversify your investment portfolio by investing your money across different asset classes – such as shares, property, bonds, and private equity, then you diversify across different options within each asset class. For example, if you buy shares, you buy across a range of sectors, such as financials, resources, healthcare, and energy. You
Even if you can only save a little, make a start and keep saving. The more you can regularly save, the better. If you put a specific amount of money a week into a savings account. That is the start of a good amount of savings to give you some financial breathing space. Plan for
Find an adviser that suits you and your goals A good financial adviser works with you to understand your needs, your financial goals, and helps you to create a plan to achieve them. Anyone who gives financial advice must have a Financial Service Provider (FSP) License. 1. Decide what you want from financial advice Before you
A business risk management plan involves identifying, assessing, and developing strategies to manage risks and monitor business performance. It is an essential part of any business plan and will help you prepare for, and deal with, risk factors that threaten your business’ future performance and viability. These risks can be quite diverse and can be
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There are numerous reasons why borrowers choose to refinance their home loans. From accessing more equity to consolidating their debt, save money with a better interest rate, to simply pay off their loan sooner and also to renovate. However, refinancing does not have to be a daunting process, in fact you may find it surprisingly
In South Africa where job security is becoming a constant worry in our economy, there is one way to help ensure your lifestyle`s stability is secured during a possible loss of income, and that is through income protection insurance. Income protection is a long-term insurance policy that is designed to help substitute your income in circumstances
When you hear the word “Retirement”, what comes to your mind instantly? “Relaxation, seven-day weekends, sleeping till noon, living by the beach?” A happy retirement can be about sitting and watching the rest of the world roll on by or having time to do everything you`ve dream about. Retirement is all about embarking on your
A Few Golden Steps to Get Your Retirement Planning on TrackRead More »
Due to high treatment costs, people often reach their medical aid cap long before the year is over. In previous years medical schemes offered stated or defined benefits when dealing with day to day care. This meant that members could go to a GP for a specific number of visits, your dentistry, optometry, physiotherapy etc.
A Will forms a crucial part of responsible financial planning A death of a loved one is never an easy aspect for one to deal with. There is the emotional pain of having to deal with the finality of the situation but what happened if not only if there was an emotional pain but a