Making better choices
is not always this easy

 

How to Get Out of Debt – Four Simple Steps

Getting out of debt is not an easy task but, with hard work and commitment, it can be done. Our financial advisors in Johannesburg know that debt can be a slippery slope and, therefore, we offer debt management as one of our financial services.

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How to Use Your Credit Card Wisely – Tips from Our Financial Planners

When people talk about credit cards, there is often a lot of uncertainty that surrounds the topic and understandably so. They are a tricky thing to understand and, if not used wisely, can result in overwhelming debt. However, there are some benefits of a credit card which our financial advisors came together to discuss, and we will share them in this article.

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Debt is Not Always Good, but Not All of it is Bad

The general rule with spending money is that you should only spend what you can afford to spend, on things that you really need. And, if you cannot afford to buy what you really need right now, take a few months to save up for it, rather than taking out unnecessary credit.

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Understanding Debt in South Africa – What is Debt?

Although not all debt is bad, it’s important to know that even good debt can become bad if it’s not managed smartly and you cannot afford to pay it. The unfortunate reality is that South Africa is one of the countries with the most debt in the entire world. What’s worse is that South Africans tend not to save much either.

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Important Questions to Ask Your Financial Advisor

So, you have decided to speak to a financial advisor about your personal financial planning but you’re not sure what kind of questions you need to ask to make sure the person or company you have chosen is the right fit for you.

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Make Sure Your Financial Advisor Meets These Requirements

One of the most important aspects to consider when choosing your financial advisor is their qualifications and whether or not they meet the necessary requirements. Not sure what to look for? In this article we discuss the minimum requirements that all financial advisors in South Africa must meet.

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The Difference Between an Independent Financial Advisor and a Broker

In our previous article, we discussed 5 signs that it’s time to speak to a financial advisor but now you may be wondering what the difference between a financial advisor and a broker is. In this article, we will look at the main differences between these two so that you can understand who you are choosing to look after your portfolio.

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Is it Time to Speak to a Financial Advisor? Here’s How You Know

Unless you have a strong financial background which allows you to understand the various markets, investment opportunities, and different savings vehicles, then seeking professional advice from a financial advisor is the best thing you can do for yourself.

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Questions About Your Retirement that You Should be Asking

Retirement may seem like it’s a lifetime away, but time has a funny way of moving really fast and before we know it, we are getting used to being at home with no obligation to be anywhere or do anything - blissful retirement after decades of hard work. However, your retirement will be much less blissful if you haven’t planned for it properly.

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How to Use Your Tax Refund Wisely – Invest, Don’t Spend!

Often times, people do not include their tax refund in their budget as they are not sure how much it is going to be, or if they will be receiving a refund at all. Therefore, it’s important that you know how to use your tax refund wisely so that you can improve your overall financial portfolio rather than spending on things you don’t need.

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