Pasop: Belastingvrye Polis ´n slender

Pasop: Belastingvrye Polis ´n slender

Dít is ‘n algemene uitdrukking om jou oor te haal om ‘n spaarpolis te koop. Dit so naby aan lieg as kan kom sonder om regtig te lieg.
Laat ek dit opsom: Dit is nie belastingvry nie. Inteendeel, jy kan meer belasting betaal in ‘n polis as in n direkte beleging.
Byvoorbeeld, met n direkte belegging het jy n rentevrystelling van R23 800 (vir mense onder 65 jaar, bo dié ouderdom is dit R34 500) waarna jy teen jou marginale koers belas word op rente verdien. Dit kan so laag as 18% wees. Vergelyk dit met n polis waar jy teen 31% belas word, sonder die rentevrystelling.

Winter Health Tips

Winter Health Tips

Winter is here and so are colds and flu. To reduce the chance of spending this lovely season feeling sick and miserable try these few simple winter health tips. Winter Health Tips by TopMed GET THE FLU VACCINE Everyone, six months and older, should get the flu vaccine. It can protect you from getting the flu. However, many of us are afraid to get the vaccine, thinking that it could make us ill. If you are unsure about the vaccine and have any questions speak to your doctor or Wellness Nurse and get first hand advice. KEEP YOUR HANDS CLEAN Avoid close contact with people who have a cold or flu. Hands are known to be a germ factory so be sure to wash your hands several times throughout the day using an antibacterial soap or hand sanitiser. Carry waterless santisers or antibacterial wipes when visiting public places so that you can clean up if water and soap are not available. STAY HYDRATED Let’s keep the water routine going. You might not feel like drinking as much water because of the cold weather but water is essential for our body to function. If you struggle drinking only water try herbal tea. They are available in some great flavours – so find one you will enjoy. EATING WELL As much as you will be tempted to eat warm comfort foods that are high in fat, salt and sugar, try out some healthier options. Try making warm soups and stews or look on the internet for healthier versions of your favourite recipes. Don’t forget to eat plenty of fruit and vegetables...
Real cost of credit

Real cost of credit

Avoiding the debt trap – By Sanlam Contrary to what many people think, financial wealth has less to do with earning a lot of money and more with managing money well, protecting your family and wealth,  making clever investment decisions and avoiding bad debt. It is very expensive to be in debt. In fact, if we could see in black and white the real cost of buying on credit every time we transacted, many of us might think twice before swiping a credit or store card. Similarly, we might get quite excited about saving if we were shown a calculation of the investment return we would earn if we saved rather than spent that amount. Below is a visual representation of the real cost of credit. As a broker, we understand the importance of differentiating between ‘good’ and ‘bad’ debt and have the expertise and knowledge to help our clients on their journey to financial wealth. Hopefully, this infographic will assist in helping you realise that you have to prioritise your spending, and become more aware of where your money is going. Don’t miss the webisode uploaded to www.onerandfamily.co.za or follow the episodes on e.tv every Monday to...
Blood tests for life insurance

Blood tests for life insurance

These tests are not for diagnostic purposes but purely to get an idea of the general wellbeing of our prospective clients. There have however been one or two urgent instances where Underwriting has alerted clients to see a doctor for conditions they may not have been aware of, based on the results received. This is why it is mandatory to complete all of the doctor details (telephone, fax and email) on the applications so that we can call for PMA’s and also send the blood test results to the correct doctor on request. NOTE: Blood test results can be sent directly from Underwriting to the client’s nominated doctor on request in order to explain these outcomes in a doctor/patient discussion. This does not include medicals and ECG’s unless specified. Here are our 7 blood tests with why we call for them along with some additional ones that we could call for should we need to investigate further: HIV – blood test for the human immunodeficiency virus (our Deferred Life and Continuation Options will only require an HIV test! ALT – alanine aminotransferase (ALT) test is typically used to detect liver injury. AST – aspartate aminotransferase (AST) is usually used to detect liver damage. GGT – gamma-glutamyl transpeptidase (GGT) test measures the amount of the enzyme GGT in your blood. GGT functions in the body as a transport molecule, helping to move other molecules around the body. It plays a significant role in helping the liver metabolize drugs and other toxins. Random Glucose – A random glucose test is exactly what it sounds like. It’s a random blood test to...