certified financial planner
As trite as this may sound, not knowing where your money is going each month can be a huge source of anxiety. Too many bank accounts, retail accounts, debit orders and budgetary expense items can leave you feeling out of
The death of the first-dying spouse is regarded as a disposal for capital gains tax purposes. Where the first-dying spouse bequeaths his/her share of the joint estate to the surviving spouse, the surviving spouse is treated as having obtained the
Living annuities do not fall under the scope of the Pension Fund Act and are therefore not subject to Regulation 28 and, as such, there is no limit to the amount of foreign exposure you may hold in your living
The tax benefits achieved by investing in tax-free investments are not realised early on which means that these vehicles do not make good emergency funds. The value of the tax benefit in the first five years of investing is incredibly
Living annuities can play an important estate planning role if correctly structured. Where the annuitant nominates beneficiaries, any residual value remaining in the event of their death will be paid to the beneficiaries and, in doing so, will bypass the
As partnerships can have up to 20 members, decision-making can be slow and cumbersome if there are too many people involved. In the case of a private company, all directors have shared control of the business, and all decisions must
Globalisation, automation, and disruptive technologies have completely shifted the economic landscape for our children. Some estimates are that two-thirds of today’s students will work in occupations that don’t yet exist.
Ensure that you view the property multiple times before putting in an offer. Be intentional about looking past the aesthetics to identify potential defects and faults, especially those that could be critical. Specifically, look out for damp or water seepage,
While corporeal property refers to physical, tangible property such as a vehicle or a home, incorporeal property includes non-tangible rights such as servitudes and leaves over immoveable property.
