Managing Your Money

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How To Feel Like A Million Bucks

As an almost thirtysomething, surrounded by the already thirtysomethings of my peer group, I feel a certain deep-seated anxiety that sounds a lot like “Why aren’t I well-off already?” Off the top of my head, two reasons for that: Most of us were making our degree/professional qualification decisions during the early 2000s, right as the Global Boom […]

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Smart Beta? Sounds complicated. Almost certainly is.

The oxymoron of active-passive funds

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Rental Escalations: Don’t Be A Fool

Why you should always negotiate them (unless they're already reasonable)

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Rent or Buy: All the Eggs, One Basket

Home ownership is a lot riskier than it sounds.

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The Perils of Passive Investing

I’m a big fan of ye olde passively-traded exchange-traded fund (I’ve spoken about this plenty of times, but mostly here). As is Mr Buffett (see here). However. I feel it’s important to point out a cautionary tale. Mainly because: all things in moderation. And when things are not in moderation, it can all go horribly wrong. […]

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Risk Diversification Often Means Taking The Biggest Risk You Can

When I shared yesterday’s post about listed property on Linkedin (see here), there were many comments along the lines of “A well-balanced and well-diversified portfolio is best”. There were also many supportive comments for said comments. But being the contrarian soul that I am – I wanted to point out that, for me, “diversified” and […]

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Tax Free Savings and such. With graphs.

While I was taking a long weekend, looking at things like this: And this: And this: South Africa’s National Treasury announced the final details of its Tax Free Savings Accounts (TFSA). Exciting stuff, eh? The Basic Background National Treasury is concerned about the lack of savings amongst middle class South Africans. National Treasury is particularly […]

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South African Bank Accounts: The Premier Banking Delusion

Things that I have learned that are contrary to popular belief: Contrary to popular belief, the leading cause of ageing is not ageing. It is, in fact, the sun. So use sunblock. Contrary to popular belief, most of the money in the world is not money. It is credit. (Although I say this one a […]

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South African Bank Accounts: The sheer ADMIN

This week, I have been sorely tested by my bank. There have been phone calls and emails and smses demanding yet another proof of address, and some documented proofs of income*. *This happened after a request made for a bank-stamped set of bank statements. A request made over 2 weeks ago. Which is still outstanding. But I must […]

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To Incorporate, Or Not To Incorporate: That Is The Tax Question

A few weeks’ ago, I wrote a post on South Africa’s discrimination against entrepreneurs and small businesses (it was an Open Letter). Since then, I’ve been asked to write something about a choice that faces all entrepreneurs: When do I stop being a sole proprietor and take the leap? For most entrepreneurs, the argument goes something […]

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