“Every problem has in it the seeds of its own solution. If you don’t have any problems, you don’t get any seeds.” – Norman Vincent Peale Right now, where you are, imagine a life with absolutely no problems. Initially that sounds amazing, but what if we understood that great achievements in our life are often sparked, inspired or preceded by problems and adversity? What if we understood that the great achievements in our lives often don’t […]

“There are no secrets to success. It is the result of preparation, hard work, and learning from failure.” – Colin Powell It seems that, these days, everyone wants to be rich because for many it is a measure of success. In a world obsessed with buying things, it’s easy to become caught up in a cycle that equates the concept of rich with the achievement of success. But it’s not the only measure, however prominent it […]

In the last two weeks we have talked about critical illness and disability cover, and why they’re important in your risk portofolio. This week, we’re discussing a risk that seems more real for most people: retrenchment. In today’s tough times, more than a quarter of our country is unemployed. Retrenchment has become a real phenomenon for many people and many more anxiously wait to see if and when their number will be called. With existing jobs […]

If critical illness cover (which we talked about last week) is a hard pill to swallow, disability insurance is often even more so. “I’m not disabled and I never will be!” we tell ourselves, envisioning wheelchairs, construction workers falling off scaffolding or labourers losing a limb in a freak accident. When we don’t work in a physically dangerous industry and are healthy, we think we won’t need disability insurance. But, we could be very wrong. Reframing […]

Hiccups are bizarre, aren’t they? They seem to arrive completely out of the blue and can be the hardest thing to get rid of. In hindsight, they’re a blip on the radar, but as soon as we realise we have them – they’re annoying and become almost all we can focus on. But… we get through the episode. Life, as it turns out, is full of hiccups. We call them hiccups, but they’re actually far worse. […]