It’s nearly impossible to make it through an entire week without glancing at a blog, social media post or newsletter that reminds us about the pervasive and perpetual change in our lives. Hopefully, this blog won’t be one of those to add to the list. Instead, it will help us to identify the benefits of the challenges that we face. Change can be sparked in so many ways, some of them are by our personal choice, […]
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Five financial tripwires
If you’ve ever seen the mayhem from the middle of the trading floor of the New York Stock Exchange (NYSE), you can be forgiven for thinking it’s a warzone! Whilst most stock exchanges around the world now trade electronically, having cleared out their trading floors, NYSE still hosts the traditional tussle of the floor traders’ open outcries. But this is not the only place where money mayhem can cause a right kerfuffle. Every day, in all […]
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Bias and your bank balance
When it’s a question of money – everyone is of the same religion, or so said Voltaire. Like religion, there are many different perspectives on how it helps (or hinders) us. It’s probably one reason why people always say you should never talk about money, religion or politics at the dinner table. There are so many differing views! It is not to say we should never discuss money; instead, it’s helpful to be selective about our […]
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The premium time to review your premiums
When it comes to financial planning, risk planning, estate planning and investing, many of us like to “set and forget”. Our lives are full of things to remember, for work, family and the communities in which we’re involved – often, the last thing we want to review is our financial portfolio. As a result, it’s easy to forget why we have some of these financial products in the first place. The complexity of financial planning and […]
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Our oft-told money stories
Money isn’t real. It’s just an agreed-upon system of exchange. Have you ever heard that? This is the realisation that many reach when feeling frustrated with tax systems, witnessing social injustice or experiencing the unfairness of life. While money and currency systems may not be real, they represent value and help us form and communicate meaning. Money is interwoven with our stories of life and meaning. “We tell ourselves a story about how we got that […]
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Win back your weekend
“Where did our weekend go?” Have you ever found yourself asking this question on a Sunday night or a few minutes after hitting snooze for the third time on a Monday morning? If you do – you’re not alone! Studies show that many people struggle with Weekend Anxiety Syndrome (WAS) or the Sunday Scaries… there are a couple of reasons that can contribute to our stress and anxiety over weekends, and these are generally linked to […]
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Protecting your income for a better outcome
A few short decades ago, we lived in a world that seemed to have far more security and certainty. The rate of change was slower, and many assumed that if you stuck to the system, the system would look after you. Social security, income security and good health were taken for granted in developed countries. The chance of losing one or all of the above didn’t feature too highly in financial plans. As you’re reading this, […]
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Plan to fail
It doesn’t make sense, but we need to have a plan for when things go wrong. People love to say that Benjamin Franklin once said that if you fail to plan, then you plan to fail. It’s not a bad quote, but as the world experiences some of the most significant disruptions in recent history, we know it’s only part of the picture. This means: we need to plan to fail. Or rather, we need to […]
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Offshore shouldn’t be off-putting
“… your money deserves to go places,” Ninety One (dual-listed on both the South African and London Stock Exchanges). Many people who choose to stay in a country feel a sense of pride and patriotism for their local residence. Whether it’s a native birth-right or an adopted sense of nationalism, buying, supporting and investing local is an important priority. So much so that the thought of moving money offshore can be off-putting. But when it comes […]
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How to make a sustainable change
All of us have moments in our life when we realise that we have to make a change. Sometimes change is something we choose, and sometimes it happens to us, forcing us to find a new way to cope. Making a sustainable change is something that we can choose – before life forces something worse upon us. As Reinhold Niebuhr’s serenity prayer says: “God grant me the serenity to accept the things I cannot change; the […]
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