MARKET

This is not such an easy question to answer. Many of us may shoot up our hands, quickly realizing that what follows is a tough call-to-action: “Then start saving!” So we shrivel back and think we’ll rather start saving [...]

Medical aid (including insurance products) contributions need to form part of our overall financial planning. Every year these products are adjusted slightly - both in how much they cost in monthly premiums and in what they cover. These increasing [...]

The largest factor in our wealth creation, and our wealth protection, is our behaviour. How we choose to save and how we choose to spend are the habits that will determine if we are able to grow our money [...]

Not to be confused with the EFF (the South African political party or the lesser-known Electronic Frontier Foundation…), ETFs have been gaining popularity in investment portfolios for about a decade. ETFs (exchange-traded funds) were first developed in the early [...]

Markets don’t make you money; your habits… make you money. As creatures of habit, we ultimately become our own best friend, or our own worst enemy. This is why it’s important to be mindful of how our emotions affect [...]

In a 2018 article, Tim Davis (President of The UPS Store) said this of small businesses: “Small business is the backbone of the economy. ... It's these businesses that are driving local economies, providing jobs for local residents and [...]

One thing we can always know for certain is the past; but with far less certainty, the future, and even ‘later today’… eludes us. Despite knowing this, we often fall into the trap of thinking that we should have [...]

Here’s the thing about the lighthouse - it’s focus is always offshore. At the time of writing this article, the world is still flailing under the storm of the Coronavirus and the conditions have caused us all to rethink [...]

In light of the difficult times recently, Southern Africa has been awash in low interest rates. When South Africa significantly cut its base interest rate from an already-low 6.25% down to 4.25%, it officially became the lowest interest rate [...]

Most of us are chronic under-savers even in the best of times. Yet with the current economic environment, lots of previously hypothetical concepts like ‘what if I’m retrenched or have my salary cut?’ are far more concrete – and, [...]