Financial wellness mindsets for lifes autumn

Financial wellness mindsets for life’s autumn

Autumn is a precious time of year and is perhaps an altogether more positive metaphor for another special time: the tail end of middle age when we are far from elderly, but far from young. You look up one day and realise that while you were busy building a life with your family, or perhaps…

Make your life easier Part 3

Make your life easier – Part 3

Don’t avoid digital help. Whilst there are many dystopian stories about how robots will take over the world, those projected realities are highly unlikely to ever manifest. AI, big data and cloud storage can be our friend in making our life easier – which is what technology was always intended for! Granted, we can easily…

Offshore investing and the new expat tax

Offshore investing and the new expat tax

As of 1 March 2020, an amendment to the South African Income Tax Act will have definite ramifications on the lives of South Africans living and working abroad. Now that this infamous ‘expat tax’ is in effect, SA expats are now obligated to pay up to 45% of their foreign income to the taxman when…

Make your life easier Part 2

Make your life easier – Part 2

Every time we say ‘YES’ to something new, it seems to just make our life more complicated down the line; more events to attend, increased responsibilities and less time to relax and do what we really want to do. Finding just the right amount of order in your life is one of the secrets to…

Make your life easier Part 1

Make your life easier – Part 1

Every day our lives get a little more complicated. That’s the reality of the world that we’re currently living in. It’s not easy to keep order in your life – even if you’re one of the few who excel in keeping things in line! Finding just the right amount of order in your life is…

The NHI What we know so far

The NHI: What we know so far

South Africa has just had its annual Budget Speech, with one of the many controversial topics not addressed being the National Health Insurance scheme. Yet President Ramaphosa stated very recently that he expects it to be fully rolled out within the next five years. The NHI was initially to kick off on 1 March 2020…

Does your wealth creation strategy need more love

Does your wealth creation strategy need more love?

February is the month of love, but it’s also the first real month of the year for most of us, once we’ve got back into our routines and come back to grips with life after the holidays in January. As a result, you may be thinking of how to get your 2020 goals going, especially…

Coffee makes you think

Coffee, makes you think

After owing its name to the mindful Fransciscan monks, the Capuchin friars, many of us overlook our daily cappuccino (or other frothy delight) and how much we spend on these little luxuries in life. One of the best ways to add meaning to our money is to be mindful about how we spend it, and…

The RA minder

The RA-minder

For many, the way in which we save and invest is not a daily conversation, so it’s easy to forget what we have in place AND WHY we have it in place. Here’s a quick reminder! An RA… or Retirement Annuity is one such product that can often confuse many. RAs have been around for…

What you need to know about the new expat tax

What you need to know about the new ‘expat tax’

One of the hardest aspects of working with tax and tax law is that the rules change slightly every year – making it tricky dice to roll without an expert on your team. There will be a new law soon that legislates how much tax you as a South African must pay on money you…