Personal Finance

December 21, 2016

Should debt be your only priority when you get a bonus?

Conventional wisdom suggests that you should use your annual bonus to settle your outstanding debt. The problem is that if we continually use our windfalls to pay for past expenditure, we never reach a point where we are accumulating assets.
December 12, 2016

Access to the stock market for just R100

After fielding numerous calls from listeners on Gareth Cliff’s CliffCentral show, Anthea Gardner, managing partner at Cartesian Capital, realised there was a definite gap in the market for people who wanted to invest small amounts.
December 12, 2016

The story of a scam

‘I never thought it would happen to me. I thought I was fairly financially astute. How wrong I was,” Gillian says about her experience of being fleeced of hundreds of thousands of rands in a Ponzi scheme.
December 9, 2016

Have we made it too easy to dispute debit orders?

Many bank customers are using the debit order dispute resolution system to cancel legitimate debit orders to manage their cash flow, writes Maya Fisher-French.
December 9, 2016

Will your employer provide benefits?

Should companies provide employee benefits such as life cover and retirement funding for their staff? Maya Fisher-French reports.
December 7, 2016

New year is the busiest season for debt rescue firms. Don’t fall into the trap

With shopping malls expected to be filled to the brim this December, many people are about to splurge on Christmas shopping, plunging themselves into debt by purchasing expensive gifts for loved ones.
December 3, 2016

Your finance questions answered

Should you pay your salary into your home loan? Does life cover have surrender value? Can I buy exchange-traded funds offshore? City Press answers these and more personal finance questions.
November 29, 2016

How to read a company’s financials

If you have trouble the first few times you try to understand financial statements, don’t worry – that’s normal.
November 20, 2016

Sell your car privately and safely

If you want to sell your car privately but you’re worried about the safety of the transaction, check out carzar.co.za – an online second-hand car buyer that aims to fill the space between selling to an individual.
November 22, 2016

Consumers under pressure

Although South Africans seem to be doing well in terms of paying off their debt, household cash flow is still incredibly tight, writes Neesa Moodley
November 22, 2016

Choosing the right funeral plan

Despite the fact that funeral cover is the most purchased insurance product in SA, the cost of funerals remains one of the main reasons people access debt, writes Maya Fisher-French
November 12, 2016

How to select the right medical plan for your needs

If you are considering moving schemes or looking to take out a medical scheme plan for the first time, you need to consider the viability of the scheme as a whole and then select the plan that best suits your needs.
November 12, 2016

Teamwork could lower our medical costs

Two weeks ago, my son cut his finger badly and it needed to be professionally bandaged and assessed for stitches.
November 12, 2016

Auctions are catching up

Auction sales have come a long way since Joseph’s jealous siblings cast him into a pit, eager to sell their father’s favourite to passing Medianite merchants zealously price-pushing one another in a bid for the bragging brother and his colourful coat
November 6, 2016

How to reduce your insurance premiums

As the cost of living continues to rise, you may be revising your monthly budget to reduce expenses and save money wherever possible.
October 28, 2016

Be wary of misleading promises

Debt counselling can offer help when you are financially swamped, but watch out for misleading adverts, writes Neesa Moodley
October 28, 2016

Why our premiums are increasing

This year most medical scheme members will see premium increases well above inflation, with the industry average hovering around 11%. Depending on your scheme option, some members will experience price increases as high as 15%.
October 16, 2016

Top seven tax myths dispelled

You submit taxes every year, but how informed are you when it comes to tax? We dispel some of the most common tax myths.
October 19, 2016

Tips for homeowners

Are you buying or building a house? The National Home Builders’ Registration Council (NHBRC) is at hand to give you tips on how to go about it. The NHBRC is a statutory body established to protect consumers’ interests and regulate the house-building
October 19, 2016

A new financial product should benefit you, not your adviser

Jack Smith* is 36 years old and took out a Sanlam retirement annuity (Cobalt for Professionals) at the age of 25 in 2005. The premium on this retirement annuity (RA) is R6 430 with a 10% annual escalation rate.
October 19, 2016

Money tips by Neesa Moodley

Snippets from the world of personal finance
October 19, 2016

Prepared to pay for advice?

There has been a lot of talk recently about the Retail Distribution Review, which aims to provide transparency around financial advice and products.
October 8, 2016

Investment strategy can increase your returns

Shaun Levitan, executive director at Colourfield, says Smart Beta is a rules-based strategy that deviates from the traditional indices that you would usually invest in via an exchange-traded fund (ETF). Typically, most investment strategies aim to tr
October 8, 2016

Spouses need to review their finances

Changes to the taxation of estates could leave a surviving spouse with a hefty tax bill, writes Maya Fisher-French.
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January 15 2017