I know very few people who enter into holy matrimony with the view to get divorced. Marriage is often entered into with a positive outlook and big dreams for the future with hardly any consideration of the potential for things going pear-shaped. The reality is that divorce is more prevalent than ever before, not just in South Africa but internationally too. According to Stats SA, 44,4% of the divorces registered in 2016, were of marriages that […]
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When the tax is black
Our country’s history of segregation and economic exclusion has led us to this point. Many young people who now have tertiary education and the many who have moved out of the homes and townships they grew up in are usually the first to do so in their families. This comes with a lot of pressure and expectation to support and assist their siblings, ageing parents and often, extended families as well. This, and quite obviously so, comes […]
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A new way
In our culture, when a woman gets married, she gets called into a room by aunts and other older female relatives and gets given the ‘lay of the land’. She’s taught never to question her husband about his whereabouts, to dress modestly when in the company of her in-laws, never to nag etc. I know this because I went through a similar process myself. It’s done in good faith and intended to help you navigate the […]
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A whole new world (Part 2)
My mother retired too early, the first time around. She also didn’t have a clear plan for her retirement. I remember sitting in a meeting a few years ago and getting 3 missed calls in a row from her on my mobile. I thought something was terribly wrong so I rung her back in a panic, thinking something was wrong. To my horror, all she wanted was to confirm if my brother and I were joining […]
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Your financial journey
There are many people who profess to have the remedy for poverty, low cash flow etc. You see them all the time on social media platforms claiming to have the key to your financial future. They flash their fancy cars and expensive homes and want you to join them on this crusade. Having been in this industry for over a decade, what I can tell you for sure is this: There is no quick-fix, no matter […]
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‘Tis the season…
The tinsel is strewn and the Christmas lights are up EVERYWHERE. The holidays are fast approaching and expectations are running quite high with children and what gifts they’ll be getting. There is nothing better than giving presents to children. The excitement and shear joy they experience with gifts is quite special. But, if your household is anything like mine, they already have more than enough. If you are brave, and are willing to face the tears […]
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The momentum of social activism
If you’ve been reading the news or follow trending topics on social media, you would have picked up the furore after it was reported that a certain insurance company refused to pay out a client’s life cover. The story can be summarized as follows: Client had a pre-existing condition which he was aware of at the inception of his insurance policy (according to medical records) but never disclosed it to the insurance company This came to […]
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To do list before I die
I wrote my very first bucket list in 2001 and it was titled ‘to do list before I die’. I’ve added to it and removed a few items from it over the years but I’ve kept the original list in the original cheesy diary it was written in all these years! Every now and again, I open it up and see how far I’ve come and how much work I still need to put in. […]
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Begin with the end in mind
I spent the past weekend in Elgin in the Western Cape. It was the 17th annual Elgin Open Gardens event where many country gardens were opened to the public for viewing. This gives avid gardeners and enthusiasts an opportunity to enjoy the expansive and colourful country gardens and a chance to buy plants/flowers on offer. It was a slow paced, inspiring treat which got me thinking – this would really be an ideal way to spend […]
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What is financial advisory?
We often get this question about what it is that we really do. Often, what we do is confused with other disciplines within our sector. So let’s start by talking about what we are not. Portfolio Management Portfolio managers or asset managers are experts in stock selection as well as fund collation. In simple terms, they decide which shares, bonds, property stocks to invest in (or not) on the stock market. They also make decisions around […]
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