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Unfortunately, your debts don’t just disappear when you die – but they don’t necessarily attach themselves to your loved ones either. Your estate must follow the letter of the law in dealing with all your financial responsibilities before anything is distributed to your heirs.  That’s why it’s so important to work with us to prepare a thoughtful estate plan. This process will ease the burden on your family, ensuring they don’t have to make difficult dec...

What is Capital Gains Tax (CGT)? Why do you have to pay it? How is it calculated? And how can you keep its impact on your finances to a minimum? We’ll answer all these questions and several others in this handy explainer on one of the most poorly understood aspects of our tax law.Europe and South Africa have turned the tables on the US stock markets, outperforming them in February. It appears that Trump-related investor optimism has dissipated, leaving the US stock market in the red ...

The fear of missing out (FOMO) is a powerful emotion for many people. And when it comes to investing, it can be a dangerous one. This is because FOMO creates a strong urge to act impulsively – which can have negative long-term consequences. Disciplined investors are able to keep FOMO at bay, however, so let’s explore how you can do that.After your passing, the last thing you want is conflict among your heirs and unnecessary legal drama. The best – some would say “only&...

Many people shy away from life insurance because they view it as a tax on their current income in order to benefit someone else when they are no longer around. But personal risk cover is about a lot more than simply leaving a windfall to your family when you pass away. As we explain in this article, it’s really about creating a shield for you and your loved ones against life’s most devastating events.Born between 1965 and 1980, Gen Xers have lived through times of economic turmoil,...

The Big Mac Index, created by Pam Woodhall and first published in The Economist in 1986, offers an easily digestible way (pun intended) to assess currency values and the purchasing power parity (PPP) between countries.  Comparing the price of a McDonald's Big Mac in different currencies gives a basic snapshot of whether a currency is overvalued or undervalued. Read on to find out the how the world’s most famous burger can help you – and where its limitations lie.It’s e...