Over the past year there have been unprecedented levels of loadshedding due to unexpected breakdowns and planned maintenance at Eskom to prevent the failure of the larger electricity grid. This has led to Santam no longer covering many incidents caused by such outages – see the links below to learn more:

The official Communication from Santam |  See Moonstone’s Article on what this means

We all have a tendency to overestimate our abilities. A lot of the time, this is a good thing. Without any self-confidence, we would struggle to ever find a partner, apply for a job, or try a new hobby.

But there are also times when overconfidence has hazardous results – when we think we know things that we don’t actually know, or believe we know something others don’t.

In this article we look at why this is particularly perilous when it comes to our money and give a very pertinent real-world example.

This article looks at six common barriers to the creation of wealth. Fortunately, all six pitfalls are easy to avoid – it just takes discipline.

The article will show you how very important it is to start investing early, and it’ll explain why you shouldn’t dip into your pension when changing jobs. 

You’ll also learn why relying on debt and/or managing risk poorly can be very dangerous. And you’ll be reminded that is never a good idea to try and time the market. Finally, you’ll be asked whether you really need to live in such an extravagant home.

On paper, Australia may seem a better prospect than South Africa, but we’ve got some good stuff going here, too.

It pays to think carefully before you take the plunge. And this article, written by a South African who lived in Australia for 16 years, combines hard statistics about life in each country with plenty of first-hand commentary and analysis. 

There’s no denying that Australia is safer and has a more reliable economy than South Africa… But it is much harder to become wealthy, and live comfortably, in Australia. 

Fixed deposits are often seen as low risk investment options. That’s because they give you a predictable interest rate, and you can be pretty sure that you’ll get your money back at the end of the term.

But investors shouldn’t think that there is no risk involved in them at all.

In this article we explore the concept of reinvestment risk and why it is something that most people never think about. Unfortunately, however, it catches many people out with unfortunate consequences.