Making better choices
is not always this easy

 

From category archives: Olemera Blog

Financial Advisors

Three Effective Strategies for Successful Budgeting

What makes your budgeting efforts successful is your ongoing efforts to incorporate strategies that encourage good spending, saving and other budgeting habits.

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Six Easy Steps to Creating a Personal Budget

If it’s one thing we know to be true, it’s that without a solid plan in place, you may find yourself moving through a maze, with no end in sight. This is true for everything in life, including your personal finances.

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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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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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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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How to Spend Your Bonus the Smart Way

There are many things to consider when you think about that double salary landing in your bank account and we know there is always the urge to splurge – but our financial advisors encourage you to put some thought into it before you start swiping.

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