No one knows how long they have in this life and, though it can be uncomfortable to think about, death is 100% guaranteed. Do you have life insurance? Taking out life insurance is not only an act of pragmatism, it’s an act of love. In a world where everyone is consumed with thoughts of themselves, the person who takes out life insurance has asked themselves: ‘What do those around me need? What will help them if […]
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Four Million Ways To Thrive
“There are some four million different kinds of animals and plants in the world. Four million different solutions to the problems of staying alive.” – Sir David Attenborough In her most recent novel, Orange Prize-winning author Madeline Miller describes two fictitious gods talking to each other, the older one explaining to the younger one about these mysterious things called humans. He describes them as each unique, yet all bound by their desire to reach and reach […]
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Four often overlooked steps to reducing financial stress
A lot of people are quite financially stressed right now. It’s understandable – it’s been a hard few years for most of us, and the uphill climb back to a bustling economy, both locally and globally, is far from over yet. Does that mean that we have to be stressed with where SA has been in the past five years? Not necessarily. You can reduce financial stress with the following tips. Step 1: Communicate One of […]
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The one underrated quality it takes to truly innovate
“Genius is one percent inspiration and ninety-nine percent perspiration. Great accomplishments depend not so much on ingenuity as on hard work.” – Thomas Edison We live in a culture that values and encourages innovation. In the information age, it’s all about the nimblest, the boldest and most inventive disruptor. We revere the likes of Steve Jobs and Elon Musk who are able to disrupt industries and deliver something radically new. But innovation is only the tip […]
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Why we need to remain patient
2019 has been a financially hard year for many and for South Africa. Investors in particular, have seen low returns in a high-risk (election) year after several lean years. In financial climates like this, many panic and thoughts of losing money can lead to impulsively pulling out of investments. In the words of Warren Buffett: “The investor of today does not profit from yesterday’s growth.” Past performance is no guarantee of future returns. Stock investors sometimes […]
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Diversifying happiness
The ancient philosopher Aristotle came up with a single word for what every person wants: ‘Eudaimonia’. Eudaimonia means happiness but more than that it alludes to a sense of fulfillment. Many people have viewed financial planning as the management of financial goals and resources. Typical conversations would include questions like: “How much will my assets grow, how can I get X amount by the time I am this age and what will my retirement look like?” […]
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The seeds to success lie on the path of our problems
“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 […]
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When it comes to Wills, don’t wing it.
September celebrates National Wills Week, a reminder to us all about the importance and necessity to create a Last Will and Testament. According to recent statistics, only 30% of South Africans have a will – which means that we have to be talking about this a lot more! We have seen countless movies and TV series detailing the hijinx that can occur without a will. Unfortunately, in the movies all people with wills are either rich […]
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Why ‘Get Rich’ and ‘Quick’ are not in our vocabulary
“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 […]
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Microsavings: when a little goes a long way
There is a lot of good financial advice out there which goes something like this: ‘you know that money you don’t use every month? Well, take R50,000 and invest it in X now, and you’’ be happy later.’
Sound familiar?
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