Helping your parents with their financial independence
In our previous blog, we looked at how we can help our children with their retirement, or financial independence, as many in our profession are starting to frame it. But the reality is, as the sandwich generation, we can’t only be thinking about our own and our kids’ financial futures; we also need to be thinking about our parents’ financial futures. Living at a time when …
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Helping your kids with their financial independence
We spend most of our time having conversations with people who are 40+ about saving for retirement. However, the language and expectations are slowly starting to shift in a powerful and exciting direction. Instead of only talking about retirement, we’re starting to use words like financial independence. And rather than focusing on traditional milestones, like 65+ years, we…
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Are Old Investment Truths Still Relevant
In a recent podcast on the Allan Gray Podcast with Dan Brocklemank, head of Orbis UK, he reflected on how humans are NOT designed to be good investors. Our natural instincts very often pull us in the exact opposite direction to what we need to be doing in order to be good at investing. Our natural habits and instincts protect us in the present; they’re not good at …
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Can You Control It
We permanently activate our fight-flight-freeze-appease response when constantly performing at our peak. This acute stress response activates our sympathetic nervous system and keeps us unhealthy or from experiencing deeper joy and fulfilment in life. Blogs and TED talks abound on how we’re living in an age where our stress level is way above a healthy normal, and we need …
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When The Conversation Goes South
Despite our best-laid plans and most honourable intentions, conversations about money can go south quickly! There’s never going to be a perfect time to talk about money dreads or financial dreams, but preparing our partner or family for the chat, and finding a space where we won’t be interrupted is always helpful. It’s also helpful to think about what you want to say, but …
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How To Talk About Money
“I love talking about money with my family!” said no one ever. Most of us will agree that there is more to life than money, but regardless, it’s very important for most of us — especially when we feel like we do not have enough. Money can become a consuming focus that leaves us feeling powerless and sometimes even worthless. Talking about money is a helpful way to regain …
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Here’s Why Premiums Will Be Going Up
The last thing any of us want right now is to know that the cost of our short-term insurance will be going up. Perhaps we can add to the old axiom that says nothing in life is certain except for death, taxes… and premium increases. But, due to environmental and infrastructure challenges, we expect to see an increase in insurance prices. In a recent article on Business Tech…
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Going For A Drive Over The Border
Travelling offers us amazing opportunities: for the business professional, it can help us launch our business to new levels; for those travelling for pleasure, it can be that break from life that recharges our batteries and energises our souls. But if things don’t go according to plan, it can mean the opposite. Many of our clients enjoy overland touring and often leave the…
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Does CBI Still Cover You
Insurance has always been a tricky game. It involves a highly intuitive system of risk analysis that the insurance providers are continually evolving as the world around us poses new and different challenges. Historically, the change in risk has been slower than we are witnessing today. For example, as our CEO, Richard Hood, has said, the COVID-19 pandemic and the ever-…
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The Surge That Surprises Many
When it comes to our financial and risk planning, we often look at the common causes of disruption to our lives and business. One that has taken many by surprise has been the impact of power surges after load shedding (and all that gets disrupted during load shedding, too!). Whilst many of our clients have put contingency plans in place to try and mitigate the losses of …
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