30/30/40… Allocate your income wisely……

30/30/40… Allocate your income wisely……

Working hard for your money needs careful consideration over how to use your income effectively. If you allocate carefully you will ensure that you are living within your means and not above them. Does a car salesman ever question whether the car you purchase is too...
Your Personal Balance Sheet…

Your Personal Balance Sheet…

The beginning of a new year is a great time to update your personal balance sheet.The exercise is invaluable in your personal financial planning as it creates a snapshot of your actual worth in relation to what you own and what you owe. Your so called “Net Worth”. OWN...
Three Big Questions in 2017….

Three Big Questions in 2017….

2017 was certainly a year of uncertainty from which many questions were asked. Here are three of the biggest questions asked from my desk. Should I invest in Bitcoin?                            ...
Invest with and away from the Rand……

Invest with and away from the Rand……

Our Rand continues to surprise Just when you think the rand is heading in a particular direction it turns the corner and surprises. A while ago just after Minister of Finance Nene was fired the rand easily weaken to nearly R17 to the US$. We all then assumed it would...
So how close are you to a downgrade?

So how close are you to a downgrade?

S&P Global Ratings downgraded South African local currency debt to “junk” territory on Friday, citing a further deterioration in the country’s economic outlook and public finances, sending the rand tumbling. Essentially the downgrade points to the risk investors...