People often joke about the weather in Cape Town, saying that you can experience all four seasons in one day. And, if you speak to a local, you’ll know that regardless of how warm it is, they’ll always pack a sweater in case the weather turns. Still, as a top tourist destination, the weather doesn’t deter intrepid travellers; they keep returning. Investing in the markets is exactly the same; despite the ups and downs, sometimes, in […]
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Saving vs investing
Financial planning is a complex and integrated activity that is often simplified in an attempt to make it more accessible. When we look at it as a lifestyle rather than an annual exercise, it’s easier to begin to engage with our financial plan in a more meaningful level. Saving and investing are two disciplines that are core to the foundations of a solid financial plan, and for simplicity sake, they are often seen as the same […]
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Become a better networker
As our world becomes increasingly digitised, personal skills will become more valuable. Many salespeople call these the soft-skills and realise that the old-school hard-sell-skills are no longer as effective. People are less likely to be blown away by some widget and far more likely to remember the way that you’ve made them feel. It doesn’t really matter if you’re in sales or not, or even in your own business. Networking is a skill that helps us […]
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Planning vs Coaching
Regardless of what words we want to put to our journey with our money, there are a few realities that we need to face. First – everything we do is linked to money, whether we pay for it ourselves or rely on a benefactor. Second – some of our wealth-generation depends on luck and circumstance, but most of it depends on our ability to intentionally earn an income and manage the money we have. Third – […]
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What a better financial plan could look like
It’s easy to think about a financial plan and consider the elements that typically go into it. For instance, we could picture a plan that consists of a retirement savings product, life and health insurance, investment portfolios, and maybe a few things like trusts, wills and estate plans. Or, we could think about what a financial plan can help us avoid, and help us achieve. When we think of our financial plan in terms of the […]
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Marketing yourself beyond 2022
In the next few years, we are likely to see a significant increase in small businesses, from home enterprises to startups. Many people have had to create sideline income or recover from losing their jobs in a shrinking job market. Jobs seeing the fastest decline are in production or administration support, primarily due to automation and digitisation of platforms and processes. With the meteoric growth of social media, personal marketing has become an attractive option for […]
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Just one more
They say that getting old happens slowly, and then all at once. Most of the change around us occurs so gradually that we barely notice it; ageing, losing or gaining our fitness, losing or gaining weight, intimacy in relationships, and debt and investing. These are some of the areas of incrementally-unnoticeable change with which we’re most familiar. Often, our experience begins with gaining or losing “Just one more”. Just one more day before we arrange that […]
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Feelings – thoughts – actions
‘Your mind will take the shape of what you frequently hold in thought,’ Marcus Aurelius. How we engage with our money reflects what’s going on inside our heads, which is an extension of what’s going on inside our hearts. They’re all connected. Our feelings affect our thoughts, which in turn direct our actions – but we can also turn that around by changing our actions to create new patterns of thinking, which in turn can change […]
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Don’t let tax get you down
We all know that the only two certainties in life are death and taxes. Even after we’ve gone, taxes are still levied against our estate. The more money we make, the more money the taxman looks to take. Tax can be a serious stumbling block in our financial mindset, especially when we think about all the ways in which we are taxed, where that money goes and how it is ultimately invested into our community, whether […]
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The best time to live
“Remember the past, plan for the future, but live for today, because yesterday is gone and tomorrow may never come.” The best time to live is in the present. It’s easy to get lost in a daydream of how life could have been different or how good life used to be. It’s equally easy to succumb to the speculative dreaming of what might happen in the future. Believing in a better future is hope, and being […]
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