When applying for a home loan, one vital aspect to carefully consider is life cover or mortgage protection cover. This will ensure that you can continue to provide your dependants with a roof over their head if you pass away, or become disabled and cannot work. If you are the main income earner, but don’t...
It is highly advisable that anyone who runs their own business takes out business assurance, which is a broad term for a range of life assurance products that are designed to cover various scenarios and requirements. Running a successful business often takes considerable financial investment, but many business owners fail to plan for what happens...
In 1993, the United Nations General Assembly proclaimed that 15th May should be observed each year as the International Day of Families. The aim of this annual observance is to increase awareness of family-related issues, and to help countries to tackle these problems with comprehensive policies. The United Nations states that this day “reflects the...
Navigating today’s complex world can be challenging, and acting in an effective manner can help you to thrive in our current reality. However, research has shown that many people are not thriving in modern times or feeling fulfilled. Every individual has the potential for greatness but, in order to excel in our environment, we may...
The public holidays just keep on coming this month! From Freedom Day, we have quickly made our way to Labour Day tomorrow, Tuesday, 1st May — and who couldn’t love all these tributes to the human spirit and the notable events that have changed the course of history? Somewhat ironically, to celebrate this International Worker’s...
“Man is born free and everywhere he is in chains.” — Jean-Jacques Rousseau The opening sentence of The Social Contract, by revolutionary thinker Jean-Jacques Rousseau, is still just as pertinent today as it was in the 18th century. The book highlights man’s journey from a state of autonomy to the modern condition, which is arguably...
A Barclays Wealth study found that people improved substantially in investment decisions as they got older. When people are young — and perhaps less secure in their financial situation — a tendency has been recognised to be controlled by emotional biases that can be detrimental to investment habits. Behavioural economists refer to some typical flaws...
While no one has a ball of fortune with which to predict the future, there are some common mistakes that many investors make, which can be avoided. The basics of investing can seem relatively simple, but it is important to set emotions aside in order to maintain an objective strategy that will benefit you in...
A study conducted a few years ago on behalf of the Association for Savings and Investments in South Africa indicated that over 12 million of the country’s workforce were underinsured in terms of life and disability cover. Furthermore, reviews by various insurance companies highlighted that this shortfall fell primarily in the realm of disability cover....
The World Health Organisation (WHO) was founded on 7th April 1948, and this date is celebrated every year as World Health Day, with the goal of drawing attention to a specific global health concern. Last year, the focus of the campaign was to mobilise action with regards to depression, and the theme for this year...