2017 and your medical aid

As we enter the last quarter of the year, so too the silly season starts—a quarter filled with year-end parties, Christmas celebrations and the start of summer. But before enjoying the festivities of the season too much, do some basic planning for the upcoming year....

Are you a saver or a borrower?

It is difficult to be a fence sitter when it comes to investing and wealth creation. Either you are a saver, and are providing for your needs, both present and future, from the sweat of your current labour, or you are a borrower, borrowing from your future to...

Economic Reform?

With local elections only a week away, whilst casting our vote we should consider, amongst other things – who will bring economic reform to South Africa? If we can increase GDP from the current forecast of 0.3% for 2016 to 4% – 6% per annum, we will see...

Gap Cover

No financial planning discussion would be complete without a discussion about top-up cover, or gap cover. Gap cover essentially covers costs that are not covered by your medical scheme yet are incurred by you when you visit a hospital. Most medical schemes cover 100%...