As we move forward into this exciting digital age, and as an increasing proportion of our lives are based around technology, protecting our privacy is, perhaps, more important now than it’s ever been.It’s not just about shutting your front door behind you and closing yourself...
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The majority of people plan to retire at 65 and enjoy a financially stable, rewarding lifestyle during their ‘golden’ years. But with so many pension plans available, choosing the right pension plan according to your personal circumstances can be somewhat daunting.It was a heartbreaking story...
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One of the main costs all parents should bear is education costs. For many families, saving money for a child’s education is a must. Providing that child with the opportunity to learn and grow is just part of taking care of your family. Yet, knowing...
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With two-fifths of all marriages now ending in divorce and with a growing number of people getting divorced later in life, more and more clients are seeking advice on what happens to their pension pots when a couple splits.And it is absolutely appropriate and sensible...
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Retirement saving goals are often discussed by friends and family, however, the actual goal of how much you need to save is generally overlooked. When it comes to retirement, everyone has their own idea of what that will include. For some people, it means spending...
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One would think that if someone is travelling and working overseas for much of his or her career, he or she doesn't have much available in the way of savings advantages. This assumption is completely wrong. An expat saver has huge advantages available to them...
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South African expatriates should not only understand the newly implemented 2021/2022 tax laws, which aim at taxing their foreign employment income but should also act if they want to avoid its dire consequences. With the 2021/2022 SARS tax eFiling season now open and well underway,...
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Retirement savings have often been overlooked by younger people, however, it's when you are young that you really need to start looking into it.A survey undertaken by unbiased.co.uk and AXA Life Invest confirms what I have always spoken about and have always known: that those...
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Not all toxic people realise the negative impact they have on those around them, but some do it for satisfaction. Either one creates a bad vibe in any environment whether that’s at home, in the workplace, or even in your social circle.There are of course...
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If the unthinkable should ever happen, in a time of trauma and grieving, would your loved ones know how to manage your affairs? Lets discuss death organisation...
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Insurance cover, and more importantly, the right insurance cover is a necessity in today's world. If I asked you to pay me a dollar every month so that I’d pay you a thousand if you crash your car, you wouldn’t hesitate. If I asked for...
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Recently, I’ve been discussing with my team and also my clients the importance of obtaining and maintaining customer loyalty, tasks which have become more difficult in recent times due to a rise in regulatory, economic, and competitive conditions.With choice always available, in order to keep...
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Due to continued demand from expats based in the UAE and the Middle East in general who is considering acquiring a mortgage in the UK, I have created a list of Frequently Asked Questions (FAQs) that can assist with many of the initial points facing...
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The habits you form now will affect you for the rest of your life. Understanding the most common financial money mistakes will help you make better financial choices in the future.Avoiding costly money mistakes will save you money, time & stress.I have listed below the...
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How stress levels are measured? “Stress is when you wake up screaming and you realise you haven’t fallen asleep yet” – Anon.It’s a well-known fact that insufficient sleep can have many negative influences on people's lives. Sleep deprivation affects decision-making, heightens stress levels, and leads to...
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Let's talk about how you can improve your credit score...
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Like many good things in life, Structured Products are often misunderstood and their value underestimated.In essence, a Structured Product provides the opportunity for clients to have an investment linked to the growth of a range of underlying assets including stocks and shares, commodities, property, etc,...
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It has proven that word of mouth among friends, colleagues and indeed customers drive more purchases and relationships than any other “purchase” influence.Testimonials and recommendations give you and your business the ability to demonstrate your credibility and expertise.I strongly believe every business owner, leader, manager...
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Does your financial advisor sometimes refer to the FTSE 100? Have you heard the FTSE 100 referenced in the news, or have you read about it in financial publications and newspapers? Not completely sure what it is?The FTSE 100 is an important tool for understanding...
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As demand for domestic and international financial advice continues to soar, more must be done to attract young talented individuals into the financial services industry and to prevent advice from becoming exclusively for the wealthiest of those in society.As I was quoted as saying in...
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Thinking about retirement already? Chances are, if you’re reading this, you’re an expatriate in a low-tax jurisdiction. Lower taxes mean more income that you can use to build a secure financial future. So, when should you start thinking about retirement? When should you start saving/investing...
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How does your bank profit from savings accounts? Ever wonder why a bank pays you interest for the money in your savings account? After all, you didn't do anything besides put the money in the account. The interest is free money awarded with no effort...
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Financial advisers and wealth management firms are working in an evolving industry that constantly responds to international financial services changes. To do justice to our clients, and deliver the world-class service expected of us, we need to constantly evaluate, monitor and improve our own performance....
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You'll save it tomorrow. Saving for the long term often seems unnecessary in the present, or there is always something else that needs to be paid for today. Making that statement could mean that you spend the next years regretting it. The fact is, the...
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It’s time to invest. But, do you ask yourself 'how will I become a millionaire'? If you want to save until you earn a million, where do you start? Of course, you’ll need to focus on saving fast, saving as much as possible, and doing it...
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