Making better choices
is not always this easy

 

Steps to Creating an Emergency Fund that Works for You

An emergency fund will be what saves you from that inevitable rainy day. To be honest, we don’t believe in negative thinking but based on our experience, the rainy-day scenario is a likely one and we should always be fully prepared for it.

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What to Consider When Buying a House in South Africa

Buying a house is a huge step in any person’s life, whether it your first home or your second or third. What matters is how carefully you consider all the important factors involved with buying a house.

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Have You Thought About Estate Planning? Here’s Why it’s Important

Planning for something fun like your next big holiday or your dream wedding can be fun and many people willingly put many hours and a fair amount of blood, sweat and tears into these events. However, there is something far more important to plan for and it’s never too early to start - estate planning.

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5 Important Things to Consider when Buying a Franchise in South Africa

For many, buying into a franchise may seem like an attractive option but, as with any business decision, it’s important to know what to consider before making such a big commitment. In this article, we discuss what you should take into consideration when purchasing a franchise.

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Everything you Need to Know About Setting and Achieving your Financial Goals

We already know that it’s important to have goals in life; they even teach us this in school as a fundamental skill to have. However, when we look at goals in general, we can see that most of them (if not all) can be considered financial goals. This is because most goals require some form of capital to make it possible to achieve.

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The Importance of Personal Financial Planning

Understanding why personal financial planning is important is the first step towards a secure, financial future.

Regardless of your income, planning your personal finances alongside a financial planner will help you save for the future, prepare for a rainy day while working towards achieving your big (or small) dreams.

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Section 12J Investments and Reducing Taxable Income

Investing in an approved Section 12J VCC is indirectly investing in and building the South African economy. It also acts as a tax-efficient incentive for investors as it allows for a full tax deduction of the amount invested for the specific tax year.

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Minimizing Your Tax Burden with a Retirement Annuity

Tax season is upon us which means it’s time to find ways to minimize your tax burden in the most efficient way possible. Although there are many ways to optimize your tax deductions, a retirement annuity may be one of the most beneficial vehicles to save on tax.

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Season’s Greetings from Olemera Financial Advisors

2020 brought with it some unrelenting challenges and hardships as we watched how a single virus changed everything, almost overnight. However, as we approach the holiday season, now is a great time to reflect and be grateful for everything that we still have.

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6 Ways to Start 2021 With a Money Saving Mindset

With a new year approaching, we could start this chapter on a brand-new page, with new habits and a new way of thinking about our personal finances.

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