Making better choices
is not always this easy

 

Gary Walker's Articles

Debt is Not Always Good, but Not All of it is Bad

The general rule with spending money is that you should only spend what you can afford to spend, on things that you really need. And, if you cannot afford to buy what you really need right now, take a few months to save up for it, rather than taking out unnecessary credit.

Understanding Debt in South Africa – What is Debt?

Although not all debt is bad, it’s important to know that even good debt can become bad if it’s not managed smartly and you cannot afford to pay it. The unfortunate reality is that South Africa is one of the countries with the most debt in the entire world. What’s worse is that South Africans tend not to save much either.

Important Questions to Ask Your Financial Advisor

So, you have decided to speak to a financial advisor about your personal financial planning but you’re not sure what kind of questions you need to ask to make sure the person or company you have chosen is the right fit for you.

Make Sure Your Financial Advisor Meets These Requirements

One of the most important aspects to consider when choosing your financial advisor is their qualifications and whether or not they meet the necessary requirements. Not sure what to look for? In this article we discuss the minimum requirements that all financial advisors in South Africa must meet.

The Difference Between an Independent Financial Advisor and a Broker

In our previous article, we discussed 5 signs that it’s time to speak to a financial advisor but now you may be wondering what the difference between a financial advisor and a broker is. In this article, we will look at the main differences between these two so that you can understand who you are choosing to look after your portfolio.

Is it Time to Speak to a Financial Advisor? Here’s How You Know

Unless you have a strong financial background which allows you to understand the various markets, investment opportunities, and different savings vehicles, then seeking professional advice from a financial advisor is the best thing you can do for yourself.

Questions About Your Retirement that You Should be Asking

Retirement may seem like it’s a lifetime away, but time has a funny way of moving really fast and before we know it, we are getting used to being at home with no obligation to be anywhere or do anything - blissful retirement after decades of hard work. However, your retirement will be much less blissful if you haven’t planned for it properly.

How to Use Your Tax Refund Wisely – Invest, Don’t Spend!

Often times, people do not include their tax refund in their budget as they are not sure how much it is going to be, or if they will be receiving a refund at all. Therefore, it’s important that you know how to use your tax refund wisely so that you can improve your overall financial portfolio rather than spending on things you don’t need.

Donations Tax in South Africa & Parents Donating Assets or Capital to Their Children

Many of our baby boomer clients are now considering making donations to their children in the form of property or capital for a deposit on a property. Although this is noble, parents must take into account the rules of donations tax in such situations. In this article, we will look into donations tax and what it means for parents who are helping their children purchase property.

Everything You Need to Know About Capital Gains Tax in South Africa

Capital gains tax forms part of income tax and is triggered when you make a profit from selling an asset that you own. The amount of tax payable is calculated according to the profit you made in the sale and not the total amount you sold the asset for.

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