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 […]
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Don’t let market cycles catch you out
If there were a set of commandments for investing, the first commandment may well be this: know your seasons.
Just like a surfer or fisherman know the tides of their favourite spots, prudent investors know the market cycles.
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Critical reasons for Critical Illness Cover
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. […]
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The seven habits of cyber secure people
It’s not for nothing that cyber crime and hacking was considered 2019’s number one “major risk” by the world’s largest insurer, Allianz, in their latest Risk Barometer Survey. These days, it’s not if the security of your electronic identity and assets will be tried by a criminal, it’s when.
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Tips for a less taxing tax season
‘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.
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The 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 […]
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Running 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?
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The 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 […]
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Three 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.
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The 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, […]
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