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November 2012
Small advantage

From September 2012 it became compulsory for all new vehicles requiring a South African Police Services clearance certificate to be installed with micro-dots. While this is expected to reduce theft of new vehicles,...

November 2012
Consignment stock

Santam is urging motorists to review the cover provided by their insurance policies before leaving their cars in the hands of motor dealers to be sold on their behalf.


“When a vehicle owner leaves...

November 2012
Top prestige

Liberty Medical Scheme (LMS) has introduced a new, top-end option that ensures it will cater for all its members at every life stage.


“When care is at the heart of what we do, it means we must take...

November 2012
With one voice

The South African Insurance Association (SAIA) has become a member of the newly established Global Federation of Insurance Associations (GFIA). Thirty-one insurance associations representing 87% of worldwide insurance...

November 2012
Common mistakes

Thousands of South Africans who have made significant sacrifices to buy homes could face financial hardship if they do not take the basic steps required to ensure they have adequate property insurance.

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November 2012
Free assistance

Most home and motor short-term insurance policies offer value added benefits, such as home and roadside assistance, often at no extra cost. Yet many consumers tend to forget these services form part of their cover and...

November 2012
El Niño may provide opportunities

With a prediction of below average rainfall this summer due to the possible effects of an El Niño, crop production in certain agricultural areas of South Africa may be under severe pressure this season.

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November 2012
Getting covered

The threat of the on-going truck drivers’ strike action spreading to South Africa’s ports and harbours as well as the country’s rail network, following the call to action by the biggest transport union, Satawu, has...

November 2012
Firm resolve

Global insurance prices continued to rise in the third quarter of 2012, continuing the slow but steady trend begun in the second half of 2011. According to the Marsh Risk Management Global Insurance Index, a composite...

November 2012
Minefield of risk in Africa

Mining, anywhere in the world, is a risky business. From correctly identifying deposits, negotiating access, raising capital, building infrastructure, securing power and water supplies, assembling skills, training and...

November 2012
Big or small?

There are hundreds of unit trust options available to South African investors. However, not every unit trust is suited to every investor, making the selection one of the biggest headaches facing the local investor. He...

November 2012
Lowering the tone a bit…

Don’t you just hate the computer printer manufacturers, how they inveigle you to buy a “cheap” unit, and then screw you for toner. Our Canon, for example, cost about R3 250 and the replacement toner R5 200. It’s...

November 2012
Seven year hitch

Planning for retirement is about making sure you continue to achieve your goals at different stages of your life. While a successful retirement obviously requires a lifetime of saving, or a sufficiently large lump sum...

November 2012
Hiding a paper trail

Following the recent approval of the Protection of Personal Information Bill (POPI) by the Government’s Justice Committee, businesses that fail to implement effective information destruction practices could find...

November 2012
Shelter for investment

As the affordable housing market continues to grow, the fledgling sector has become an attractive option for foreign direct investment and is starting to outshine its more mainstream equity fund counterparts....

November 2012
Low point opportunity

Andrew Dittberner, Senior Investment Manager at Cannon Asset Managers, argues that resources are at their lowest valuations in over a decade and value investors should start nibbling. As always, stock selection and...

November 2012
Less entrepreneurs

With the latest employer figures revealing a decline in the number of self-employed individuals – from 1 281 000 in the beginning of 2008, to 1 243 000 in the second quarter of 2012 – it is clear that entrepreneurs...

November 2012
All about SAM

Incoming capital requirements legislated by the FSB as part of its Solvency Assessment and Management (SAM) framework could pose serious challenges for South African insurance companies that are looking to expand...

November 2012
A fine line

Adult entitlement to children’s money is a common cultural perception in South Africa, yet could be tantamount to fraud. This is one of the challenges faced by the beneficiary fund industry, which manages an estimated...

November 2012
Price and prejudice

The past decade has rewarded South African investors with generous returns above inflation for those with the patience and resilience to withstand some stomach-churning bouts of market turbulence. A simple buy and...

November 2012
Tool to diversity

There is a huge misconception about self-investment in South Africa, with many dismissing it simply as a tool for short term traders. However, the reality is that self-investment is a viable diversification tool as...

November 2012
Staying with the fund…

The ability to predict the future is the most critical feature of any retirement plan. Explains Dave Elliott of Marriott Asset Management, “An investor saving for retirement will want to know they are saving enough to...

November 2012
Finding fault

The Registrar of Short-Term Insurance (the Registrar) referred a case against Discovery Insure Limited to the Enforcement Committee of the Financial Services Board. The referral related to a contravention of section...

November 2012
Championing the cause

Embattled consumers face growing pressure as petrol and electricity prices continue to rise. But at least one development is positive for those in financial distress – the emergence of debt counsellors as effective...

November 2012
You damage, you pay…

While the South African Constitution allows everyone the right to picket, present petitions, demonstrate and assemble peacefully and unarmed, the sad reality is that these gatherings often turn violent and destructive...

November 2012
Bad to worse?…

Despite being dissatisfied with their banks’ service, most local consumers do not switch to a competitor, largely due to the perceived administrative ‘headache’. The difficulty of trying to secure finance compounds...