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Are you a world-changer?

“Education is the most powerful weapon which you can use to change the world.” – Nelson Mandela This can be likened to the concept that, “The pen is mightier than the sword”. Words that were first written by novelist and playwright Edward Bulwer-Lytton in 1839, which emphasize that thinking and writing have more influence on people than the use of violence and force. Education is the first step for people to gain the knowledge, critical thinking, […]

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Is there more to life than happiness?

There seems to be an increasing drive to pursue happiness; we want to be satisfied and content with who we are and what we do with our lives. Whilst a few people seem to eventually “find” their happiness, many of us are still trying to figure out what would genuinely lift our spirit… and keep it there! The usual assumption is that we’ll be happier when we achieve success, but some successful people think their accomplishments […]

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Talking to your bank about money

“Never spend your money before you have earned it.” – Thomas Jefferson Whilst these are wise words to live by if we can, Mr Jefferson lived around the turn of the 19th century, over 100 years before banks started offering us credit. For decades, people were mostly cautious, two world wars helped with that, but slowly as we hit the 80’s, 90’s and 21st-Century, credit cards have become a standard method of payment for most people. […]

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Divorce and your retirement savings

Recent times have been life-altering for so many, from emotional and health traumas to relational and financial traumas. We’ve all had to encounter a considerable onslaught of ‘stuff’ to process and deal with. It may just be life, but it’s still hard. Divorce is one such trauma that so many have to work through. It has a wide range of social and financial implications, as Lebona Khabo from Allan Gray highlighted in a recent article on […]

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Conversations with your kids about their money

“Money is good for nothing unless you know the value of it by experience.” P.T Barnum As George Bernard Shaw said; youth is wasted on the young. Many have taken it a little further and suggested that wisdom is wasted on the old. But what if we could share the wisdom of the old with the vivacity of the young? Then hopefully, neither youth nor experience will be wasted. Wishing for more money is a common […]

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Savings Goals

The hardest time to save is when we’re ‘just saving’ with no end in sight. It’s like going to the gym to train; but, train for what?  As Lewis Carrol once wrote ‘If you don’t know where you’re going any road will get you there.’ Goals help us set the direction and motivation for our choices, and speak to our integrity and authenticity. Whilst most people want to enjoy a prosperous life, a proper plan for […]

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Tax Savvy Investing

Nothing is certain in life, except for death and taxes. Benjamin Franklin said this almost 300 years ago, and it still rings of truth. The economic and political landscapes are now even more complex and connected than they were in the early days of American politics and free-market exploration. Making money has never been easier, whilst at the same time, it’s never been harder to keep. Saving and investing seem to be things that ‘only the […]

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Talking to your partner about money

“He who loses money, loses much; He who loses a friend, loses much more; He who loses faith, loses all.” – Eleanor Roosevelt When you share experiences, joys and dreams… you also share expenses. If you’re not talking about it together, it will very likely cause resentment and conflict down the line. An inability to have constructive conversations can be devastating to a close relationship. Some people have already learned to do this with their partner, […]

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How to set flexible goals

Last week we looked at why it’s important to become flexible in setting goals. This week we’ll consider how we set flexible goals. Setting personal goals can empower us to transform our lives and drive towards our wishes – but if we feel like we’re not achieving our goals this can have an adverse effect. With the major changes we’ve all experienced in recent times, we need to shift to set flexible goals. What are flexible […]

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Stocks vs Shares

In the world of investing there are myriad ways to create wealth. These systems are complex, integrated and offer just enough certainty to attract our attention, but not enough to be a sure-thing. Two investable options that are talked about daily are stocks and shares. They sound and look very similar, but are in separate categories of investing and offer slightly different opportunities and have disparate risk exposure. In this blog, things may get confusing, so […]

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