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We can only change what we can observe

One of the frustrations that we often experience is the feeling of being stuck. We repeat the same patterns, day in and day out, forming habits that we seem unable to shake. From unhealthy eating, exercise and money choices to self-sabotaging social media, phone and relationship habits, it’s easy to find ourselves living a life that feels stuck in time.  As most coaches will tell us, it’s because we have blindspots to the choices that keep […]

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A bird’s eye-view of your financial plan

Most people don’t enjoy financial planning. It’s a practice filled with stigmas of confusing concepts, complicated products, and expensive choices. But the fact is that none of us can live without it costing us money. Even if we simply want to go for a walk, we need to buy the time to do that. We need to earn enough money during our working hours to buy the freedom to choose what we want to do in […]

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Don’t under-inflate the effects of inflation

When life gets a little out of hand, we might say that things are blowing up! Sometimes it comes out of the blue, and other times we can see it coming, but generally, when we look back at how events unfolded, there were signs of a crisis looming. Inflation is much the same; it’s happening all the time, but every now and then, we suddenly feel the effects. Just like the aging process, it happens slowly […]

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Articulate and action

We need to be strategic about growth and not just hope it will happen organically. Through a recent interaction with business coach Grant Newland, the importance of this was brought to the fore of our conversation. But it is not just about growing businesses; it’s about developing people, families, and communities. It’s easy to think that growth will ‘just happen’ organically, but if we don’t have a growth mindset, it probably won’t happen at all. Change […]

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Do as I say

“Do as I say… not as I do.” This has been a popular phrase for many, many years. In fact, it was first recorded in John Selden’s Table-Talk in the 17th century. Possibly, for as long as we’ve had structured societies, we’ve noticed a disconnect between what we say and what we do. In the 19th century, this recorded awareness grew with books such as MacKay’s Extraordinary Popular Delusions and the Madness of Crowds, which show […]

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Diversify. Amplify.

Diversification is not just an approach to adopt during market volatility; it’s generally good practice. And, if you want to create a portfolio that mitigates risk and beats inflation, diversification offers one of the best ways to increase your portfolio growth and amplify your savings. There’s no single “correct” way to diversify your investment portfolio. The overriding principle is to mix assets and classes in a way that helps minimise risk while achieving a higher rate […]

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When the goalposts keep moving

“The only way to find permanent joy is by embracing the fact that nothing is permanent.” – Martha Beck. Over the last few decades, investment strategies have developed and evolved to move away from market-related benchmarks toward personal goals and outcomes. Modern investors are now creating plans that are more personalised and unique than ever before. The marketplace is innovating to provide models, funds and alternatives to whet even the most exclusive investment appetites. However, even […]

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Dollar-cost-averaging

People often joke about the weather in Cape Town, saying that you can experience all four seasons in one day. And, if you speak to a local, you’ll know that regardless of how warm it is, they’ll always pack a sweater in case the weather turns. Still, as a top tourist destination, the weather doesn’t deter intrepid travellers; they keep returning. Investing in the markets is exactly the same; despite the ups and downs, sometimes, in […]

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Saving vs investing

Financial planning is a complex and integrated activity that is often simplified in an attempt to make it more accessible. When we look at it as a lifestyle rather than an annual exercise, it’s easier to begin to engage with our financial plan in a more meaningful level. Saving and investing are two disciplines that are core to the foundations of a solid financial plan, and for simplicity sake, they are often seen as the same […]

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Become a better networker

As our world becomes increasingly digitised, personal skills will become more valuable. Many salespeople call these the soft-skills and realise that the old-school hard-sell-skills are no longer as effective. People are less likely to be blown away by some widget and far more likely to remember the way that you’ve made them feel. It doesn’t really matter if you’re in sales or not, or even in your own business. Networking is a skill that helps us […]

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