Winding up the Estate of a loved one can be an emotional, time-consuming and burdensome process. It is a time fraught with legal, financial and procedural hurdles.
How being married in community of property impacts your debt Understanding how your marriage contract will impact the management of your family’s finances is essential to a happy marriage and a secure financial future. If you get married without drawing up an ante-nuptial contract, you will automatically be regarded as being [...]
[gem_divider margin_top="20" class_name="divider-hidden"] [gem_divider margin_top="20"] Bouts of market volatility may be unsettling but they are an unavoidable feature of long-term investing. The important thing is to avoid making mistakes along the way. These investment guidelines hold true for any environment, but they’re particularly useful to keep in mind during times of extreme volatility. [gem_list [...]
[gem_divider margin_top="20" class_name="divider-hidden"][gem_textbox content_background_color="#ffffff" effects_enabled="1" padding_top="0" padding_left="0" padding_right="0" padding_bottom="0"] While Covid-19 continues to fundamentally disrupt the world and our way of life, much of which is beyond our control, there are financial mistakes we should all try to avoid. No-one can predict how long before things stabilize or the effect on the economy. So apply [...]
[gem_divider margin_top="94" class_name="divider-hidden"] This crisis is not the first and it will certainly not be the last one in our lifetime. The next crisis may be deeply personal, only affecting you, or it could be another global pandemic. We have no idea how this calamity will manifest, but what we can do is [...]
What are employees’ rights and responsibilities when it comes to retirement savings if a company faces closure during the COVID-19 pandemic?
[gem_divider margin_top="94" class_name="divider-hidden"] MY RIGHTS The extended lockdown in South Africa is preventing many companies from operating, or is making normal operations difficult. Companies which are allowed to operate, like media publications and courier services, are also affected financially because of the economic slowdown. The lockdown has already claimed many businesses, including [...]
Due to many uncertainties and queries surrounding the treatment of TERS benefits for PAYE and accounting, as well as top-up payments to be made by employers, we have compiled a guidance document to provide clarity on the matter. Please note that this document is not a comprehensive cover of the entire process [...]
[gem_divider margin_top="20" class_name="divider-hidden"] [gem_divider margin_top="20"] It’s difficult to choose between a medical aid plan and a hospital plan because both offer medical cover and the differences can sometimes be hard to identify. What’s even more complex is how each is structured and the impact this has on the benefits received and monthly premiums. Therefore, [...]
[gem_divider margin_top="94" class_name="divider-hidden"] DRAFTING YOUR WILL If you have a will, you’ll have the last word on what should happen to the fruits of all your hard work when you are gone, right? Not quite, says Sanlam Trust legal adviser, Clive Hill. Wills have split up families, turned siblings into prime enemies and wasted inheritance [...]