Sue Torr
If you applied and were granted life cover as a smoker and have subsequently quit smoking for a period of 12 months or more, it is definitely worthwhile approaching your insurer to have your premiums reviewed.
The ownership of an asset by a trust can protect a family’s assets from potential creditors. Further, such an asset will not fall into the personal estate of the beneficiary and will therefore also be protected from the beneficiary’s creditors.
Donations can be used effectively in conjunction with an inter vivos trust to reduce the value of your estate during your lifetime. By reducing the value of your estate, you will effectively reduce your estate duty liability while at the
Reactive devaluation is the tendency of an investor to bestow greater value on a proposal or recommendation that emanates from someone that he likes. Where the same proposal comes from someone he does not like, the investor will place less
If you are married out of community of property with the accrual system, remember that your surviving spouse has an accrual claim against your deceased estate to the extent that your share is greater than hers, and this must be
Being a single parent comes with a unique set of challenges that are sometimes difficult for those who are co-parenting to fully understand.
Not updating your Will after your divorce can have disastrous consequences and may result your spouse unintentionally inheriting from you.
Your tax commitments follow you to the grave and it is important to bear in mind that Sars has first claim to what is rightfully owing to them.
While a budget should be bullet proof it should not be cast in stone. As your personal circumstances change, so too should you budget. Poor market returns, unrealistic goals or expectations or changing jobs may necessitate that you adjust your
As your teenagers get older, you will need to start planning for large expenses such as vehicles, tertiary education, overseas school or study opportunities, exchange programmes and even weddings.
