‘Tax season’ elicits in most people the kind of shudder you’d imagine ‘open season’ to elicit in hunted animals. We all hate doing our taxes and, because of this, we often postpone the inevitable, sometimes with horrible consequences like penalties and waiting hours at SARS.
Continue readingThe sliced bread loaf
Convenience saves time, as well as money in the long term (often by saving time) and helps with quality of life in terms of ease and stress reduction. But there’s benefit we haven’t yet credited convenience for: it’s ability to allow us better relationships with the ones we love. When sliced bread first came out, it was a revolution, hence the saying ‘the greatest thing since…’ According to Wikipedia, it was first sold in 1928 and […]
Continue readingRunning on empty – is it time to fill up your tank?
Are you the type of person who puts in a little petrol here, a little petrol there, or enough to last you the week based on calculations you’ve done of what you need, or are you someone who fills your tank up every time you visit the garage?
Continue readingThe Smartphone – Convenience To Thrive
One of the biggest leaps in technology making our lives more convenient has been the evolution of the smartphone. It’s one of this century’s most convenient contraptions is used by over 5 billion people, and is probably in your hand (or your pocket) right now. When Steve Jobs came on stage holding a funny-looking device 12 short years ago, everyone in the world lost their minds. We already had the Blackberry, and an inkling of what […]
Continue readingThree reasons why you need an emergency fund
There are always bills to pay and money needed for something or another, and few things seem as boring and unnecessary than an emergency fund. While you can enjoy the rewards of spending on, say, a good winter coat, or can see the benefits of saving for something like university for the kids, emergency funds are, by nature, never seen.
Continue readingThe Shopping Mall – Convenience to thrive
Just imagine: you go to buy a suit, then walk twenty paces and are at your local grocer, able to buy food for supper. You don’t need to go to your local butcher or fishmonger because they’re both in there, and the locksmiths and dry cleaners can be reached in less than five minutes’ walking. You can even pick up some cat food. After all that, you’re even able to sit down to tea, right there, […]
Continue readingIs your portfolio overly concentrated?
A well-balanced, diversified portfolio is a joy for all seasons, giving something no matter what various markets or asset classes are doing. An overly concentrated portfolio is the opposite, a ticking time bomb volatile to fluctuations in macroeconomics and other influencers of the share price.
Continue readingThe Lazy Susan – Convenience to thrive
There is a common misnomer in finance and in life: if I want good stuff, easily accessible to me at all times, I’ll need to pay exorbitant amounts of money for it. To this, we ask the question: ‘well, what would make you feel rich?’ Often it’s the experience of having exactly what you want at your fingertips, whenever you want. Enter… the Lazy Susan. Anyone born after the 80’s likely doesn’t know what a Lazy […]
Continue readingExplaining credit risk
Last month we talked about interest rate risk – the risk of your investment devaluing and you losing money due to changes in interest rate. In a sense, this is about an investment’s possibility of flailing due to macroeconomic conditions. This month, we’re going to look at credit risk.
Continue reading5 ways to keep you and your money warm this winter
It’s a cold world out there this June. As the thermometer temperature drops, the price of fuel and cost of living keep rising… but it’s not all doom and gloom.
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