Listen to how one mother managed to shift her mindset to transform her relationship with money. When Thokozani first began her financial coaching journey with Mapalo Makhu, her relationship with money could only be described as “poor and...
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Listen: what every pension fund member needs to know
“Know your ombud” episode 8 For many South Africans, their pension fund represents their largest financial asset, yet countless members remain in the dark about their rights when things go wrong. In the latest episode of our Know Your Ombud series,...
Listen: Consumers’ rights and advisers’ responsibilities
“Know your ombud” episode 7 In the latest episode of our Know Your Ombud series, I am joined by John Simpson, the Ombud for Financial Services Providers (FAIS Ombud). We chat about his office’s approach to handling disputes between financial...
Money Bootcamp: How to ace your tax
Welcome to the second episode of the second season of the Santam Insure Your Future Money Bootcamp, where I tackle various financial topics together with my co-host, Mapalo Makhu. As we dive into July, many of us feel the familiar pang of anxiety...
Listen: Death and disability claims not adding up?
“Know your ombud” episode 6 In the latest episode of our Know Your Ombud series, I am joined by Sonya Marais, Senior Adjudicator for the Life Insurance Division of the National Financial Ombud (NFO), who helps us understand the complexities of...
Listen: General and personal insurance unravelled
“Know your ombud” episode 5 In the latest episode of our Know Your Ombud series, I am joined by Edite Teixeira-Mckinon, the lead ombud for non-life insurance at the National Financial Ombud. Have you ever felt overwhelmed or confused by one of your...
Money Bootcamp: Recognising financial trauma
Welcome to the second season of the Santam Insure Your Future Money Bootcamp, where I will tackle various financial topics together with my co-host, Mapalo Makhu. In this first episode, we investigate the complicated relationship between emotions...
Listen: When responsible credit goes wrong
“Know your ombud” episode 4 In the latest episode of our Know Your Ombud series, I am joined by Howard Gabriels, the head ombud for credit. Credit providers are required to treat customers fairly, but consumers also have a responsibility to repay...
Listen: Big Banks – David and Goliath
“Know your ombud” episode 3 In the latest episode of our "Know Your Ombud" series, we dive into the world of financial services with Nerosha Maseti, the lead ombud for banking services. With an increasing number of complaints about banking...
GEPF: Calculating your benefits under the two-pot system
This is the final video in a four-part educational series on the two-pot retirement system for GEPF members. Watch the first video here, the second video here, and the third video here. This video looks at the benefits you will get at retirement,...
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GEPF: How savings pot withdrawals affect your retirement
This is the third video in a four-part educational series on the two-pot retirement system for GEPF members. Watch the first video here and the second video here. This video and article look at things to consider before you withdraw your pension savings under the new...
GEPF: What happens if you resign after 1 September 2024?
This is the second video in a four-part educational series on the two-pot retirement system for GEPF members. Watch the first video here. When the two-pot retirement system is introduced on 1 September, one-third of future pensionable service will be allocated to a...
Understanding the two-pot retirement system for GEPF members
This is a four-part educational series on the two-pot retirement system for GEPF members. Over the next four weeks the various aspects of the two-pot retirement system will be unpacked, and members’ questions will be answered. On 1 September 2024 the so-called two-pot...
Video: How we sabotage our retirement
For most of us, retirement is one of our most important goals. Putting away money for our retirement is probably the biggest investment we will make in our lifetime, yet we find so many ways to sabotage our retirement goals. The most common mistake is cashing in our...
Video: What your credit score says about you
If you are planning on buying a home, the first thing you should do is go check your credit score. The purpose of your credit score is to inform prospective lenders how much of a risk you present when you apply for a loan. If a lender perceives you as a high risk,...
Video: Start that investment debit order today
Setting up a debit order so that you put away a small amount every month into an investment, is an extremely powerful tool for wealth creation. One of the most common reactions I get when it comes to investing, is that it is only for “rich” people. Yet in my many...
Video: Avoid family fights with a simple will
According to research by Sanlam, 75% of South Africans do not have a will. Nearly half of those who don’t have a will believe they don’t own sufficient assets to make a will worthwhile, but you'd be surprised at the family fights that can ensue over a small estate....
Video: Don’t spend yourself poor trying to look rich
In her book Smart Woman, author Sylvia Walker writes about creating your "designer life." She explains that instead of being driven by consumerism, trying to look rich, we can make smart choices and start growing our wealth. For many people shopping is a form of...
Video: Scammers play on your emotions
In times of economic stress, we always see an increase in scams. Sadly, scammers are most likely to target financially vulnerable people. There are the loan scams, where the scammers promise loans to blacklisted consumers at low interest rates. There are those...
Video: Compounding turns time into money
Have you ever wondered why the rich keep getting richer? It has a lot to do with compounding. This is where your money makes more money when you are doing nothing. For example, you have R100 000 in a unit trust fund which is invested in the stock market. That year the...