We can’t change what happens to us, but we can change how we respond to what happens to us, and within us. Everything ages, but not everything ages well. Some things can wither from the inside out if they do not have a well-developed resilience. Resilience is the ability to bounce back and withstand stressors. It is to have the capacity to recover quickly from difficulties. For us, resilience is something that we need to work […]
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The higher the fee, the better the value?
How do you decide on the better of two products you are not really familiar with or can’t visually tell the difference? For example – I had to buy a new cellphone charger the other day, and there were two options – one was two-thirds the price of the other, but both were reasonably priced (according to my limited experience of buying chargers!). I went with the more expensive one because the price tag convinced me […]
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Good habits help avoid bad debt
We’ve worked with countless clients who earn plenty of money and still struggle with debt. But how can this be? When most of us look at other people, we make a judgement call on their wealth. We all do it. And the quickest perceivable solution is often: I just need to earn a little more each month. It’s easy to think that everyone else has it figured out and is ‘earning enough money’, and we’re the […]
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Making mindfulness easier
Anything in life that is truly worth doing – is not easy. It is easy to forget this when we see others doing really well and making the difficult seem like a cinch. We don’t see all the hard work that goes into the background. But in our own areas of expertise, we have had to start from level zero and apply ourselves over time to gain the knowledge and experience akin to being proficient. When […]
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Déjà vu?
When we experience our first crisis, we think our world is about to end. It could have been our first unrequited love when we were 12, a rejection letter from an application when we were barely out of our teens, bad news from the doctor or an accident that leaves us dealing with a deep loss. Sometimes it can be our hundredth crisis, and it can still leave us wondering how we can proceed; perhaps it […]
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Three ways to become a better investor
“Investing isn’t about beating others at their game. It’s about controlling yourself at your own game.” – Jason Zweig Or as Benjamin Graham, author of The Intelligent Investor said, “The investor’s chief problem—and even his worst enemy—is likely to be himself.” Even though this book is over 70 years old, it is still relevant. The advice to buy with a margin of safety is just as sound today as it was when Graham first introduced his […]
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Have you been offered early retirement? (Part 2)
Following on from the previous blog on considering early retirement, the focus of this conversation sparker is to look at five key things that should be on our to-do list before we make any decisions about our retirement (or any big life decision!). In his article for Glacier, Dinash Pillay, National Business Development Manager at Glacier, said that there is much for you to consider before you hand in your early retirement notice. We know that […]
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A round tuit – and a bit about dread disease cover
There’s a rare object known as a tuit. It’s a special gift to keep for yourself, but also has great value for your friends and family. Tuits, especially round ones, will generally have a note or inscription along the following lines: This is a Round Tuit. Guard it with your life! Tuits are hard to come by, especially the round ones. It will help you become a much more efficient worker. For years you’ve heard people […]
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Ways to deal with grief
“No one ever told me that grief felt so like fear.” – C.S. Lewis Fear is a very relevant part of the collective grief most of us are feeling right now due to the global pandemic we are facing. It adds a layer to the personal grief we may be feeling and we are not used to this kind of all-pervading grief that seems inescapable. Grief expert David Kessler explains that we are grieving on a […]
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Have you been offered early retirement? (Part 1)
For many years we’ve been having better conversations about retirement. It’s no longer a matter of finding a job, staying in it for 40 years, and then retiring for fifteen years under the assumption that the company pension scheme will finance that entire period for us. It simply doesn’t work that way anymore. Finding a job can take considerably longer; the chances of us staying in one position for more than ten years, saving early (and […]
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