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Author Archive | Janine Geldenhuys

policywords

Keep it up close and personal

Failure to disclose material terms and conditions has been the downfall of many an adviser when a complaint is laid with the FAIS Ombud. Admittedly, 20/20 vision is only possible in hindsight as far as insurance goes, but upfront communication can save your bacon one day. “I want to insure my personal possessions.” “The value […]

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substance-abuse

How do medical schemes treat substance abuse?

Substance abuse is on the increase in South Africa and at least 15% of South Africans are said to have a substance abuse problem according to 2016 statistics. Alcohol, marijuana (dagga), cocaine, tik and heroin are some of the most frequently used substances in this country, according to the South African Depression and Anxiety Group […]

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tax-collection

#Budget2021 – Focus on tax increases and improving tax collection capabilities

On the eve of the Budget, with a vaccine programme to fund, Carla Rossouw, tax lead at Allan Gray considers what levers government has to pull. What are the revenue drivers in SA? PIT, corporate tax and VAT account for about 80% of total tax revenue. Is there room to increase any of these drivers? South African corporate tax: An increase would […]

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savings

Working with your client to develop good savings habits

Studies have shown that approximately 80% of New Year’s resolutions fail. While we have the best intentions, we’ve all been there, and most of us know how easily our immediate needs and desires can side-track us from reaching longer term goals – whether it’s getting fit, eating, healthy or saving money. According to Behavioural Economist […]

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