“The measure of intelligence is the ability to change.” (Albert Einstein) Change can be uncomfortable and often we humans love to avoid it. In business, however, being brave enough to embrace change could be the difference between going under and thriving. All business owners should be constantly on the lookout for opportunities to improve their…
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“He who has health has hope; and he who has hope, has everything.” (Thomas Carlyle) Doing a financial health check can sound like a daunting idea. But it needn’t be. Just checking a few simple things can give you a good idea of whether you’re financially healthy and on the right track. Here are four…
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“Only put off until tomorrow what you are willing to die having left undone.” (Pablo Picasso) If you own assets outside South Africa, you may have wondered: Is my local will enough? This is a question many South Africans are asking, and the answer will depend on your own unique situation. Let’s break it down.…
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“Too much of a good thing can be bad. After all, you can drown even in clear, clean, pure water.” While long-term insurance is crucial in any financial plan, you may unknowingly be paying for more coverage than necessary, especially if you have multiple policies in place. This situation often arises when individuals have both…
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“… the economy needs to grow much faster and in an inclusive manner. This is the central objective of the current administration.” (Finance Minister Enoch Godongwana – Budget 2025) The tabling of Finance Minister Enoch Godongwana’s fourth Budget in February was marked by an unprecedented three-week postponement, following a deadlock around the original Budget proposal…
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“The beauty of debit orders is that they make investing a habit, not an afterthought.” (Warren Buffett) We’re all human – which often means being emotional and not consistently disciplined. Debit orders remove the emotion from investing and encourage responsible behaviour. With debit orders in place, you don’t have to choose between contributing towards your…
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“I’ll tax the street, I’ll tax your seat, I’ll tax the heat, I’ll tax your feet.” (Adapted from Taxman by The Beatles) 1. Why do I have to pay CGT in the first place? Following a worldwide trend, South African authorities introduced CGT in 2001 to broaden the tax base. Before CGT was introduced, salaried…
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“Focussing is about saying no.” (Steve Jobs) What is the point of investing? In simple terms, there are only two reasons to invest: Investors who understand these goals also understand why fear of missing out (FOMO) gets in the way of a good investment strategy. In both cases, what matters is achieving consistent growth over…
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“A big lesson in life is never to be scared of anyone or anything”. (Frank Sinatra) If you were born between 1946 and 1964, you are part of the Baby Boomer generation. This generation is known to be flexible and robust, having lived through many bulls and bears over the decades. Whether you’re contemplating retirement…
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January has been a volatile month for global and SA equities. Stock markets experienced a “Trump bump” after his inauguration on January 20, driven by expectations of market-friendly policies. However, equities retreated to end the month with modest gains as investors weighed tariff uncertainties, shifting interest rate expectations, and growing concerns about the sustainability of…
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