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This is not such an easy question to answer. Many of us may shoot up our hands, quickly realizing that what follows is a tough...

Medical aid (including insurance products) contributions need to form part of our overall financial planning. Every year these products...

The largest factor in our wealth creation, and our wealth protection, is our behaviour. How we choose to save and how we choose to spend...

Not to be confused with the EFF (the South African political party or the lesser-known Electronic Frontier Foundation…), ETFs have been...

Markets don’t make you money; your habits… make you money. As creatures of habit, we ultimately become our own best friend, or our own...

In a 2018 article, Tim Davis (President of The UPS Store) said this of small businesses: “Small business is the backbone of the economy....

One thing we can always know for certain is the past; but with far less certainty, the future, and even ‘later today’… eludes us. Despite...

Here’s the thing about the lighthouse – it’s focus is always offshore. At the time of writing this article, the world is still flailing...

In light of the difficult times recently, Southern Africa has been awash in low interest rates. When South Africa significantly cut its...

Most of us are chronic under-savers even in the best of times. Yet with the current economic environment, lots of previously hypothetical...

Most Sub-Saharan African countries are chronic ‘dis-savers’. But, you don’t have to be. Before we look at the options, let’s take a...

Current investors have seen more ‘interesting times’, more black swans and market freefalls, than any other generation gone before. From...