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 worst enemy. This is why it’s important to be mindful of how [...]
In a 2018 article, Tim Davis (President of The UPS Store) said this of small businesses: “Small business is the backbone of the economy. … It’s these businesses that are driving local [...]
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 knowing this, we often fall into the trap of thinking [...]
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 under the storm of the Coronavirus and the conditions [...]
In light of the difficult times recently, Southern Africa has been awash in low interest rates. When South Africa significantly cut its base interest rate from an already-low 6.25% down to 4.25%, [...]
Most of us are chronic under-savers even in the best of times. Yet with the current economic environment, lots of previously hypothetical concepts like ‘what if I’m retrenched or have my salary [...]
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 snapshot of recent events. Last July, the South African Savings [...]
Current investors have seen more ‘interesting times’, more black swans and market freefalls, than any other generation gone before. From the 2008 global financial crisis, followed by the longest [...]
The last few years have seen more market volatility than anyone could have predicted, with the icing on the cake being the COVID-19 pandemic. But the best and worst thing about markets is their [...]
Oh, the ironies of life… One of South Africa’s most contentious laws regarding annuities states that a retirement fund may not be completely withdrawn in a lump sum, but a minimum of two thirds [...]
