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Preparing for a Job Interview

Do you have a job interview coming up and you are not sure how to prepare for this very important meeting? Keep the grey hair at bay and follow these tips that will prove to be extremely useful when it …

7 Vital steps to building a successful business

Having a perfect mix of product, people and place become imperative while you are running your own business. But are these enough? Considering that competition is fierce and consumers have too many choices, you need be offering something better to stay …

Affording the Mortgage for your Dream Home

Thinking of buying that dream home you have always wanted? Can’t afford it and thinking of applying for a mortgage? Before applying for a mortgage you’ll need to think about more than just whether you can afford the monthly repayments. …

What are your options when cancelling a residential lease?

What are your options when cancelling a residential lease? There are a number of different laws that impact on residential leases. This article explores those relevant to the cancellation of a residential lease, and explains the proper procedure to be …

5 Simple Steps To Help You Avoid Personal Debt!

Personal debt relief can be achieved in various ways. The most important aspects are to maintain discipline and to stay motivated. It takes commitment to remain focused. Remember that the main goal at the end of the day is to …

Tips to climb out of debt

There are a number of reasons you’d want to reduce your personal debt. For example, you might just want to clear your debts more quickly – or you might actually be struggling to afford your payments each month.  Either way, …

Saving Money on Car Insurance

We all want security and peace-of-mind when it comes to our Car Insurance. In This Article we will briefly cover some tips on how to save on your Short-Term insurance. Unfortunately, there are numerous unplanned, unforeseen and unavoidable risks we …

If You Can’t Afford to Replace it, Insure it

Why is it that so many procrastinate when it comes to insurance? Most people’s reasoning is that they will sort out their insurance next month or they will phone around for a quotation tomorrow. However, most of them almost never …

Insurance Jargon Buster – Disability Income Cover (14/14)

DISABILITY INCOME COVER The purpose of this benefit is to provide a monthly income in the event of the insured becoming temporarily or permanently disabled due to bodily injury or illness such that he/she is unable to perform his/her occupation, …

Healthcare Benefits

Types of risk insurance and what they are used for (long-term insurance, short-term insurance and healthcare) Medical aid scheme: Pays the provider’s account (doctor / hospital / specialist) for consultations, treatment, an operation, medicine etc. There are various options from …

7 CV tips to help you Get that Job

Job seekers, give yourself an edge with some modern touches and improvements you should add to your CV  What Your CV / Resume Should Look Like in 2017. As the job market gets more competitive, your resume needs to keep …

10 Financial Choices You’ll Regret in 10 Years

FINANCIAL PLANNING Life is full of financial decisions, some simple, some complex, but all with the potential to make a real impact on your life. In a decade, your world can look quite a bit different than it is today. …

Cruising The Open Road, The Smart Money Way

As a nation, experts have given South Africans very little hope financially. Our political instability has landed us in junk status resulting in little confidence for foreign investors, our economy is consumer driven with a high emphasis on buying “stuff” …

Smart Money Show – Episode 2 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 2: Change your behaviour In this episode Derek Pettitt talks …

What is a Financial Action Plan and why do you need one?

Let’s use the example of building a home. First we start with the roof. Then we can add in some other important pieces like the kitchen followed by the foundation, slap on the paint then get the plastering guys to …

6. Letter Of Wishes

Letter of wishes Purpose: A letter of wishes is a way for you to inform others of matters to be considered after your death. It may, for example, contain guidance to the guardians of minor children detailing how you might …

Momentum Health 2019 Fees

Momentum Health rates for 2019 We have summarised Momentum Health 2019 Fees for your convenience. Momentum have announced an average increase in contributions across its plans will be 10.7% from 2018. Momentum is the fourth biggest private medical aid scheme in South Africa with …

Types of Car Insurance

What do I need to know about Car Insurance? Car insurance is a necessity, as accidents and unplanned events happen far too frequently, causing disruptions to our daily routine and especially to our pockets It should be customised to fit your …

Dispelling the myths of buying a Life Policy

Buying a life policy over the phone is like trying to do self service heart surgery, it can only end in tears. Is choosing a Financial Advisor important in the personal financial planning process, or is going direct, the cheaper …

Overview of Taxes

Summary of Taxes The South African Revenue Service (SARS) currently collects 19 different types of taxes from individuals and companies. Fortunately, as an individual not all of these will apply to you; however, during your life as a taxpayer you …

Why Have Income Protection?

For decades, many South Africans have found themselves relying on the government for financial support in the event of them becoming disabled, retired or even being unable to continue working due to succumbing to serious illness. This is mainly attributed …

Time Management Tips

You probably heard the expression, time is money. It may be an exhausted saying but no truer words have ever been uttered. Many people may be brilliant at conjuring business strategies but unfortunately their time management skills are not great which …

Insurance Jargon Buster – Death Benefits (12/14)

DEATH BENEFITS In many cases, death benefits form the basis of an individual’s risk benefits. Death cover was also the first cover offered by insurers to members of the public. Various forms of death cover exist, namely: Death benefits (all …

12 Negative Habits You Should Give Up If You Want to Be Successful

The sooner you can ditch these, the better. When it comes to “achieving success,” the hardest thing for people to wrap their heads around tends to be the idea that small wins add up to big victories. It’s a whole …

Invest In Your Future

The truth is that no matter what you do for a living or how much or how little money you might make, investing for the future is critical. Relying on a traditional defined benefit pension plan isn’t always enough to …

Debt is a Cancer

Debt is a Cancer Cancer begins with the change in the gene of a cell. Debt is a cancer. It’ll change your financial DNA. It grows while you work, while you play and while you sleep. It becomes immortal. Debt …

Why you need Home Owner’s Insurance

Thinking of buying a house? Already have a house? Well is it protected? If you own a home or are thinking of buying one, home owner’s insurance can save your investment one day. It is a necessary evil unfortunately. One …

South Africans – Walking a financial tightrope

Walking a financial tightrope While employee wellness has been a popular theme for a while, employees’ financial health is probably the most fundamental issue currently affecting workplace productivity. This unmeasured cost to a company can be staggering, which is why …

Are you working just to pay bills and debt?

To become wealthy, you must be willing to invest the money you have today, in order to afford the things tomorrow, that others won’t. However, a financial attitude adjustment is needed whether you are rich or poor. Some South Africans …

Tips for Effective Networking

When put into a networking environment, you don’t want to be that person who shy’s into the corner and doesn’t socialise with anyone. Networking has  the potential to host invaluable business opportunities, you just need to know how to take …

The Difference Between Medical Insurance and Medical Aid

While many South Africans cannot afford the high cost of Medical Aid, some opt for the more affordable Medical Insurance based products. But is that really in the best interest of the consumer? Let’s look at the difference between Medical …

Insurance Jargon Buster (1/14)

INTRODUCTION This jargon busting document aims to remove some of the complexity that has become part of life insurance products and contracts. Although the benefits of South Africa’s sophisticated and often unique life insurance products are undisputable, their design has …

How To Save Money Over The Festive Season

Have you begun writing up your ‘Christmas Gift’ list yet? Or started discussing where you’ll be having family dinner this year? Although it may seem early, the holidays always seem to creep up you before you know it. After many …

Smart Money Show – Episode 3 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 3: Zero-Sum Budgeting In this episode Craig Shelley chats to …

Dress The Part & Get That Job

Your driver’s license gives away your age. Don’t let your clothes do the same. Now is the time to start showing off the older, wiser, sophisticated man you are—starting with these essentials. 1. Find a suit that fits. A little …

Smart Money Show – Episode 9 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 9: Debt Snowball In this episode, Derek Pettitt chats to …

Should I save or invest? What is the difference, which one is right for me?

Should I save or invest? What is the difference? People often ask us whether one should save or invest. So what is the difference? When you save money you put it in a savings account and it earns interest. You will …

Budget and Save Money in 5 Easy steps

Learn to manage your money, even if you don’t have much extra cash Budgeting and saving money doesn’t come naturally to many people, for obvious reasons: it’s easy and tempting to spend money on non-essentials, even if your budget is …

Insurance Jargon Buster – Underwriting Overview (9/14)

OVERVIEW OF THE UNDERWRITING PROCESS CLAIMS In general, a claim is a defined event and as such all terms and conditions are defined in the policy, whether it is for individual or group business. Claims assessment strategy involves two processes, …

Insurance Jargon Buster – Underwriting (6/14)

UNDERWRITING Underwriting is the process by which a life office accepts or declines a proposal for cover under a risk product. Where the proposal is accepted, underwriting will determine the specific terms on which the policy is accepted i.e. if …

Insurance Jargon Buster – Decline and Defer Decisions (8/14)

DECLINE AND DEFER DECISIONS Decline In some instances, the life company may decide that the risk is unacceptably high and that they are not able to provide cover. They therefore decline the proposal for risk insurance. This is usually for …

What do people judge you on when they first meet you?

People size you up in seconds, but what exactly are they evaluating? What do people judge you on when they first meet you? Well a recent study says there are 2 criteria people judge you on when meeting you. Harvard …

Medical Aid Waiting Periods

I often deal with clients who, when joining a medical aid, do not understand why waiting periods or exclusions have been imposed on their membership.  Medical aid waiting periods can sometimes be a contentious issue so in this article I …

Not All Agents Are Equal

Never being ones to shy away from speaking truth to power, we at Leadhome thought we’d blow the whistle on the real estate industry. Think of this as an installation of #RealEstateLeaks. This time we are shining right on the …

Unit Trusts – Real Savings Account

If you have never taken advantage of a unit trust investment, consider the following… Inflation remains a constant threat to the South African public. While the western world is concerned with negative inflation, we as South Africans are becoming even …

The path to Prosperity, the WhatsApp story

The path to Prosperity, the WhatsApp story Solvency and prosperity are not mysterious and nebulous accidents emerging from spontaneous explosions of primordial ooze. They are the results of hard work, production of a viable product and adherence to rock-solid basics. …

To Downgrade or not to Downgrade Your Medical Aid

These days, it seems like all of us are talking about the high cost of living, and comparing notes on ways to save our hard-earned money.  I have personally been dealing with many clients who want to cut down on …

How much do you need to save to retire comfortably?

Thinking of retiring? Just how much do you need to retire? One of the biggest concerns facing South African households today is saving up enough money for retirement. While we tend to contribute towards a retirement annuity and/or pension plan …

Why Having Gap Cover Is A Must

One of the most frequently asked questions clients ask is “Why did my medical aid not cover the full cost of my hospitalization?” I thought I was covered for 100% of the costs. Medical aid, being fraught with small-print, is …

Tips on Saving Money on Groceries

Sadly, inflation has become a perpetual fixture in our lives. The cost of everything continues to skyrocket, perpetuating financial calamity for most. Every extra cent that you save counts in the long run. That being said – make use of …

Getting Your Act Together!

Getting Your Act Together! The minute you put the word “financial” in the title of an article, many people tend to ‘click’ away, assuming that the article is going to be expressed in high-fluted financial jargon and will be expressed …

Six Tips for Entrepreneurs

Six Tips for Entrepreneurs The time is now for you to make your mark on the business world. The veracity is, you may as well put yourself through the grinder now so that you can enjoy a fantastic retirement or …

Millions of South Africans are Still Struggling with Debt… Are You?

This article was first published in September 2013 – and unfortunately not much has improved or changed Don’t get bullied into a compromising position with regards to any type of debt. There are solutions, but you need to deal with …

2. Requirements for a Valid Will

The requirements for a valid will are: It must be signed on the last page of the document. (It is preferable that the Testator and/or Testatrix sign each page). The will must be signed by two or more competent witnesses. …

Protect your most valuable asset

Your income or salary is your most valuable asset – not your business, car or home – but the ability to get out of bed each day, go to work and earn a living. We often confuse issues and perhaps …

The benefits of exercise for your work life

Exercise hosts many benefits for ones health and wellness – but how does it impact your work life? Read on to find out how exercise benefits your overall well-being. Stress reduction:  Exercise has been proven to better your physical and …

The 5 worst insurance mistakes you can make

It’s simpler than ever to buy car and home insurance these days. You just make a call or go online… And BOOM! You’re covered. The thing is, because the process is so dang streamlined, there’s also a greater danger of making some silly …

Tips on how to Dress for Work

Perhaps you have not given this much thought but the manner in which you dress is going to play a major factor in terms of success at the workplace and even in your day-to-day occurrences. As an employee or employer, …

5. Living Wills

Living wills Purpose: A written statement detailing a person’s desires regarding future medical treatment in circumstances in which they are no longer able to express informed consent, especially an advance directive. The time may come when a person can no …

What are You Worth?

A friend recently opened his payslip after having received an increase and said disappointedly, “Is this how much I’m worth?” To answer my friend’s question, let me tell you about a dream I had. In the dream, you and I …

3. Duties of Parties Involved in a Will

Duties of the parties involved in a will: Testator and/or Testatrix: Must be over the age of 16 and reflect his/her wishes in the will. Master of the High Court: The Master acts in a supervisory capacity. The Master is …

Starting your own Business – Opening a Business Bank Account

This can be a lengthy process depending on the size and type of business you own. It will also come down to how organised you are. Somebody that walks in with all the documentation in order will have an easier …

Short Term Insurance

Types of risk insurance and what they are used for (long-term insurance, short-term insurance and healthcare) Short-term Insurance Covers “things” Personal lines: Vehicle insurance: The insured person will be compensated for the financial loss as a result of accident damage, …

Start Planning for Retirement Today!

Everyone talks of what they will do once they retire. Nice cozy place by the beach? Travel the world? Buy that car you always wanted? The reality is a lot less glamorous. More than half the population that is retired …

Do You Have Policies In Place For Your Domestic Worker?

We are all aware that our domestic workers play an important part in our lives. They care for our homes, our families and often take on the enormous responsibility of protecting and looking after our children. Sadly our domestic worker, …

BEE – What you need to know

How Do I Become B-BBEE Compliant? BEE (B-BBEE) is an important part of doing business in South Africa so its best that you understand every aspect about it. Use this comprehensive guide to ensure your business is compliant and performing …

Don’t Leave Your Retirement Saving Till It’s Too Late!

If you contribute premiums to your personal Retirement Annuity policy, you may want to ask your advisor to work out the amount you can still make as a lump sum contribution before every February the 28th, and claim the tax …

Registering for Taxes

Starting your own Business – Registering for Taxes Registering for taxes and understanding tax can be a confusing at the  best of times, but we will take you through a brief overview of what you need to know. Corporate Income …

What is a Unit Trust?

You might have heard people talking about unit trusts or telling you to invest in unit trusts. But do you actually know what a unit trust is? A unit trust is an investment product that pools the money of many …

Insurance Jargon Buster – General Claims Workflow (10/14)

GENERAL CLAIMS WORKFLOW Claim notification The life insurance company needs to be notified of a claim by the intermediary, claimant, beneficiary or policyholder. Some companies may have an automated process whereby the notification and registration process form part of the …

1. What is a Will? (The Purpose of Having a Valid Will)

What is a Will? “Everyone has a Will. You either draft one yourself or the state will draft one for you using the rules of intestate succession”…Shapiro Purpose: To carry out the final wishes of the person who drew up …

Insurance Jargon Buster – Future Cover Benefits (11/14)

Future cover benefits give the policyholder the option to purchase additional cover with no, or limited, medical underwriting. A negative HIV-test result is generally required. The policyholder may choose to purchase a new policy, or to increase an existing benefit, …

Insure your Vehicle at the Correct Value

Time certainly flies and not only when you are having fun. We are already into the second month of 2014 and like it or not, your vehicle is already a year older. Naturally, the implications are – the value of …

10 Tips for Personal Saving!

1) The 30 day rule! You may have come across this term before but it is a top tip for anyone looking at personal saving. When you might be considering making a buying decision for an item that isn’t essential …

Afford Increasing Medical Aid Costs in Retirement

With the continued high escalation in medical costs, many individuals will find they cannot afford their medical aid costs once they retire. A fair number of companies subsidise 50% of their contributions until retirement, at which point the member is …

When Joining the Working World…

For individuals such as myself, school is finally over and we have officially started contributing to the working world. Whether it is to pay for university fees or to have extra money for a gap year, work is now a …

Smart Money Show – Episode 13 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 13: Short-Term Insurance In this episode, Craig Shelley and Wynand …

Sorting out Your Finances

From your policies to your general finances, it is important to have all of these financial elements in order. Sorting out your finances may not always be an easy task but the following steps will definitely catalyse getting organized. Step …

Smart Money Show – Episode 10 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 10: Financial Safety In this episode, Craig Shelley chats to …

Choosing Buildings Cover

Choosing Buildings Cover When You Get a Bond Yes, you can choose your own cover and this is how So, you’ve found the right property. It’s in the right area, it’s the right price, and now you’re going to start …

Life Insurance and Marriage

What to consider when it comes to financial planning for a young married couple, specifically life insurance:   With marriage comes both the emotional and the financial responsibility for another person’s well being. Here are some key points to consider …

Various ways for teens to make some extra money in 2017

If you need ways to earn extra money and you’re a teen, you’ll find something here. These money-making tips for teenagers range from creative to practical, from blogging to teaching sports (my 14-year-old niece is an ice skating coach). I started …

The Simplify Revolution

“Simplify your Life.” These three little words can make a huge difference. Just saying them out loud can whisper a sense of calm into a life cluttered with doing, being and way too much stuff. Sometimes called “the happiest man …

Understand the Employment Tax Incentive (ETI)

The Employment Tax Incentive (ETI) is an incentive aimed at encouraging employers to hire young and less experienced work seekers. It reduces an employer’s cost of hiring young people through a cost-sharing mechanism with government, while leaving the wage the …

Random Acts of Kindness – Restaurant Bill Story

Acts of Kindness And now for a feel-good South African restaurant bill story… How is this for one of our Random Acts of Kindness? Tucking into a bowl of pasta is a challenging exercise when you’re holding a baby. But‚ …

Teaching Our Children Financial Responsibility

This, of course, means setting a budget – and deciding what to do when children run into the difficulties of following their own guidelines. One answer is to teach them to save their pocket money in a “piggy bank” or …

Funding & grants for black entrepreneurs

Funding for Black Entrepreneurs from Government Grants & Funds By Entrepreneur How do you raise funding? A small business can on average employ 12 people. The drop in entrepreneurial activity over the past five years is equal to 2.3 million possible job …

Family budget and 4 Golden rules to ensure you always have enough money

It all starts with a Plan Don’t keep a Personal or Family budget? Don’t worry! At the bottom of this Infographic click on the My Life Planner link and set up your Free personal budget planner. Understanding where all your money …

Running out of Savings Already?

Are you one of the many medical aid members who are running out of savings, even before the start of winter?  Are you now in a situation where you just hope and pray that the kids won’t catch the sniffles, …

Smart Money Challenge on Hot 91.9 FM

Take up the Smart Money Challenge and take on your Money Challenges Press release article – by Craig Shelley Smart Money is a company that focuses on providing a combination of online and in person financial education, financial wellness and …

Smart Money Show – Episode 7 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 7: Emergency Savings Fund In this episode, Craig Shelley chats …

Teaching our children financial responsibility

This, of course, means setting a budget – and deciding what to do when children run into the difficulties of following their own guidelines. One answer is to teach them to save their pocket money in a “piggy bank” or …

Budgeting for Singles

“I’m single and have the world at my feet. I have money and there are so many things I want.” Well that’s what might be going through your mind for all those single people out there. Whether you have just …

Discovery Health Price Increases for 2018

Discovery Health Price Increases for 2018 With a flurry of new NHI regulations breaking ground in 2017, medical aid schemes in South Africa are under pressure with an uncertain future. However, one thing is always guaranteed – price increases. Discovery …

Making a good first impression

First impressions are everything in the business world, and networking situations are no exception to this. The impression you portray when you walk into a room of business owners must be spectacular, and will ultimately impact how people perceive you …

Retirement

Retirement, or the practice of leaving one’s job or ceasing to work after reaching a certain age, has been around since around the 18th century. Prior to the 18th century, humans had an average life expectancy of between 26 and …

What you didn’t know about home and buildings insurance

The differences you didn’t know Household insurance, homeowners insurance, home contents insurance, and buildings insurance… Those are a lot of terms that mean similar things, but the differences can have quite an impact if things go wrong and you have to …

Get ahead to make it happen!

If you are fully trained, with a great education and full of possibilities, it all means nothing if you don’t have the ability to implement and get it done! Most careers in finance involve finding effective ways to manage an …

Five Tips to Lighten Your Financial Burden

Lessening or relieving yourself personal debt should be your goal if you have succumbed to financial fatigue. Trying to find a practical solution is often a challenging task but certainly not impossible. The following pointers can certainly aid with lightening …

Insurance Jargon Buster – Waiting Periods (2/14)

WAITING PERIODS A waiting period is the period during which a policyholder is not allowed to claim even though the policy has commenced. The main reason for imposing a waiting period is to prevent policyholders from anti-selecting against the insurance …

Time is our greatest asset. Use it wisely!

“The bad news is time flies. The good news is you’re the pilot.” – Michael Althsuler Businessmen like to say that “time is money” but it is much more than that. Time is our greatest asset, but it is what …

Smart Money Show – Episode 5 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 5: Opportunity for 2019 In this episode Craig Shelley chats …

Four Investment Pointers for Beginners

Getting a firm foothold on the investment realm can pay dividends by bringing in some fantastic returns. If your finances are well maintained and you keep debt on a leash, you should definitely consider investing. If you have never done …

The Benefits of Quality Sleep

An increase in the amount and quality of shut-eye should take place, as numerous studies have proven the physical and emotional health benefit of getting seven to eight hours of sleep per night. This is according to Doctor Jacques Snyman, clinical …

Understanding Marriage Contracts

Planning on getting married? Don’t understand what each marriage contract entails or how they work? Well, it is said that nearly half of all marriages in South Africa end in divorce. This figure is not meant to scare you but …

How to Write a Professional CV

What is a Curriculum Vitae or CV? A CV is a summary of your personal details, education and experience, which is given to a prospective employer, with the aim of promoting your skills and potential. A CV is usually two or three …

Smart Money Show – Episode 8 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 8: Last Will and Testament In this episode, Derek Pettitt …

How Financially “fit” are you?

Nearly 70 percent of South Africans don’t have a financial plan and 80 percent don’t have a financial planner, research by Momentum shows. The financial services company says these figures explain, in part, why most households are financially unwell. A …

Plan Early for Retirement

Retirement planning is vital for those who want to live a comfortable and enjoyable life when they retire. It would definitely be wise to plan early for retirement. Every year more people are becoming aware of the financial implications that …

Smart Money Show – Episode 6 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 6: Financial Action Plan In this episode, Derek Pettitt chats …

Insurance Jargon Buster – Stepped Premium Patterns (5/14)

STEPPED PREMIUM PATTERNS According To Age This premium pattern is also sometimes called renewable cover. The policy provides cover for as long as a benefit allows, but it is initially priced for a fixed period of 10 or 15 years …

Saving money when you don’t make THAT much

So you’ve set out your budget, income, and expenses and afterward you’re left with near nothing? Well, believe it or not, there are simple, yet effective ways to save money. It’s all about being savvy with your money. Here are …

The Importance of Life Cover

Life Cover or Life Insurance is offered by either an insurance company or a financial institution such as a bank. The amount paid out on death, disability or severe illness will depend on the monthly premium amount. This lump sum …

Insurance Jargon Buster – (3/14)

RATING For the purpose of this section, examples are based on death benefits, but principles remain the same for other benefits such as disability, impairment and dread disease. What is rating? Insurance companies base premiums on the risks they accept. …

eCommerce, start your business today and start selling immediately

Ever thought about starting your own eCommerce business? There is a proven sequence of steps you can follow to give you the best chance of success when you’re starting a small business online. I’ve seen thousands of people start and …

Ways To Make Your Move Stress-Free

Moving houses is right up there with major life events like death and divorce (when it comes to stress level measures) but there are ways to make the process seamless and relatively worry-free! It goes without saying that even control …

Everything You Need To Know About Cellphone Insurance

Everything You Need To Know About Cellphone Insurance Cellphones are among the easiest possessions to steal. They’re lightweight, convenient to slip away from their owner, and getting more expensive by the day. But theft isn’t the only reason you should …

Smart Money Show – Episode 1 (Hot 91.9 FM)

In this episode Craig Shelley explains to Mark what Smart Money is all about and how everyone can up the Smart Money Challenge…

Smart Money Show – Episode 14 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 9: Financial Planning With Ubuntu Capital In this episode, Craig …

6 Weird Insurance Policies And Why People Get Them

6 weird insurance policies and why people get them Everyone has something near and dear to their hearts that they want to protect. We’re not here to judge, because who can truly say what’s worthy of insuring? Like Aunt Betty’s …

Stressed Out to the Max

WORLD’S MOST STRESSED COUNTRIES – RANKED It happened on a Wednesday morning. The Sandwich Man – dressed in a red T-shirt with white lettering – rode past me on his bicycle on the same stretch of the same road at the …

5 Things Super Successful People Do Before 8 AM

Rise and shine! Morning time just became your new best friend. Love it or hate it, utilizing the morning hours before work may be the key to a successful and healthy lifestyle. That’s right, early rising is a common trait found in …

Understanding Credit Rating

You might not be able to afford something you need at the time, the solution? You can go and buy it on credit. While most people advise you not to ever use credit sometimes it is unavoidable and for somethings …

Insurance Jargon Buster – Premium Patterns (4/14)

PREMIUM PATTERNS AND COVER GROWTH Premium Patterns This section describes the different premium patterns available on new-generation risk products. These are also sometimes called funding patterns or increase options. The options described apply to level cover. There are also several …

Understanding a Joint Policy

Choosing the right life insurance policy is not an easy task. It takes more than just a signature and a few minutes with your broker to make the right selection as there are many factors to consider. Most people, who …

Teach your kids to learn to invest early and retire rich one day

It is never too early to start investing in their future… By now, it is likely that you have exhausted all the initial ’fun’ ideas used to encourage your kids to save money – piggy banks, money  trees, pocket money and small …

How to Save Money on Fuel

The cost of fuel prices seem to be regularly escalating, like clockwork. That is the case with most things so you need to be smart and place an emphasis on fuel economy. Apart from the massive dent that it emits …

To achieve success you need to plan for success!

Seems obvious enough – but it’s amazing how many people don’t follow a basic financial planning process. Working without a plan, goal or without direction is like wandering around the desert hoping to stumble across a waterhole – you will …

20 Things All Teens Should Know… Adults Not Exempt.

There are a number of things teens should do whilst studying and before starting out in their careers! Call me a old, but how I grew up seems so different from what this millennial generation expects.  I made a lot …

Ten Top Tips to Save Electricity

In numerous households, electricity bills are sky-rocketing and many can’t fathom why that is so. It boils down to inefficient utilisation of electricity. Follow these top tips to save electricity and do your bit for the environment. #1 By setting …

How to Reduce Your Retirement Expenses

Many people look forward to retirement but when the anticipated moment arrives they become filled with anxiety as they find it difficult to sustain their usual standard of living due to improper planning. While that is not pleasant, you can …

How to stop living from payday to payday

.. and say hello to financial freedom Every month you receive a paycheck and every month that paycheck is gone before you know it. You have not managed to put anything toward savings, and it takes all you can earn …

Stop dreaming, Stop procrastinating and Just Start

Can’t get going? Keep procrastinating when all you should do is Just Start? For most of us, there is nothing more daunting than coming face-to-face with a blank page. Sure, a tabula rasa means you can take a project in any direction, …

Your Credit Report and Credit Score/Rating

Credit report A credit report is a document which contains information on your credit history and financial dealings. It clearly shows how you handled your debt in the past: How much you borrowed, from whom and if you repaid it …

Smart Money Show – Episode 11 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 11: Financing Your Home In this episode, Craig Shelley, and …

Why are teens bad with money?

Raising a teen is about as simplistic as splitting an atom – anything but easy. They often transition into a period where they tend to linger into a “know it all” phase. Everything becomes a lot more complicated and sadly …

Smart Money Show – Episode 4 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 4: King Price Insurance In this episode Craig Shelley and …

Insurance Jargon Buster – Retrenchment Benefits (13/14)

RETRENCHMENT BENEFIT This benefit may be purchased to either temporarily waive premiums on a policy or to provide a temporary income in case of retrenchment. Generally, this type of benefit will pay for a specified period, like 12 months.   …

Encouraging Financial Responsibility in Children

In today’s day and age, it is vital that we teach our kids about money and the financial responsibility that comes with having money at a young age. This begins with teaching them how to handle their own pocket money, …

Let’s start Investing! But how?

You have some money saved up but you don’t know what to do with it. People are telling you the best way to make money is to invest it, but you don’t know how. Here is a quick guide in …

Smart Money Show – Episode 12 (Hot 91.9 FM)

Smart Money has partnered with Ubuntu Capital, King Price and Leadhome to bring to you the Smart Money Show hosted by Mark Pilgrim on Hot 91.9 FM every Tuesday. Episode 12: Retire a Millionaire In this episode, Derek Pettitt chats …

Keeping Romance Alive on the Cheap

Do you have good intentions, but never seem to get around to treating a loved one or can’t afford regular evenings out? It is important to have regular ‘alone time’ together as a couple – regardless of whether you have …

Common Investment Mistakes

The investment universe can be quite daunting to the average person. However, that should not faze you because investing can be easy. Don’t fall into the trap of committing these common investment mistakes. #1 Investing in a Savings Account Many …

4. Changing Your Will

When to change your will: You should change your Will to reflect your current wishes and situations. It’s time to write a new will or revise your will when you are experiencing a life changing event. Your will should be …

Why You Shouldn’t Leave Your Home Uncovered!

Why you shouldn’t leave your home uncovered Home contents insurance is something that we think might be a good idea, but isn’t top of the list for most people who live in a house and own stuff. Which is odd, because …

Are you able to save for an emergency? No? You’re not alone

 NEW YORK – CNN ARE YOU ABLE TO SAVE FOR AN EMERGENCY? IF YOU WERE SUDDENLY HIT WITH A $500 (R7 000) UNEXPECTED BILL, WOULD YOU BE ABLE TO COVER IT? Nearly six in 10 Americans don’t have enough savings …

Staying Positive at Work!

Work goes best when you’re in a good mood but we all have those lean days where the last place you want to be is at work. Trying to stay positive not only goes a long way in helping you …

Starting your own business – Protecting and Registering

Have you come up with a great idea for a business? Thinking of starting your own business? Ideas and opportunities are all around us, all it takes is someone willing to go the extra mile to nurture and grow that …

Long Term Insurance

Types of risk insurance and what they are used for (long-term insurance, short-term insurance and healthcare) Long-term insurance: Covers people. Life cover: Payable as a tax-free lump sum when the insured passes away. The purpose of life cover (life insurance) …

Keep the Kids Entertained During the Holidays

The school holidays are just around the corner and for those not going away, the stress of thinking of ideas to keep the kids entertained is probably beginning to creep in. However, there is no need to despair. Keep the …

4 steps to prioritise how you tackle debt

Acknowledging that you need priorities is the first step! Most of us muddle through our financial lives, spending to meet the day-to-day expenses that dominate our attention. Unfortunately, that approach risks leaving your most important objectives unfulfilled. “In order to …

Cars, an investment, asset, liability or just transport?

We all know the saying that the minute you drive your cars off the showroom floor you can immediately knock 20% off the value Well if you have ever bought a new or recent model car you will know that …

Having a Supportive Personal Partner can Advance Your Career

Our careers are demanding and challenging – forcing us to constantly bring our A-game. That being said, while it is a essential to be a competent employer/employee, it is also highly important to have a supportive partner that can add …

How To Find Reliable Short Term Insurance

Insurance is based on the principle of paying now for financial protection in the future, should you have a damage or loss to your possessions. You should be wise and beware of so-called low-cost short term insurance. You must be alert …

Understand the difference between compound and simple interest

Interest is the portion of money a person or investment institution receives for lending money. You will see the term “Interest” and “Interest Rates” everywhere. You might see advertised interest rates by a savings bank or an investment fund telling …

Insurance Jargon Buster – Extra Mortality (7/14)

EXTRA MORTALITY From statistical and actuarial information, a life company will know that for a risk group, a certain number of people are expected to die each year. If this is higher than for the general population, the risk group …

Ten Tips to Save Water

Without water, we would cease to exist – it is as simple as that. But why do people do not use it sparingly? Whether it is knowingly or unconsciously, water wastage or abuse is prevalent on a global scale. Water …

Smart Money Challenge on Hot 91.9 FM

Take up the Smart Money Challenge and take on your money challenges! We are very excited to announce that Smart Money will be on the Mark Pilgrim show on Hot 91.9 FM every Tuesday for the next 6 months! Smart …