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Matters of Land

Matters of Land

All aspects of land reform are complex and emotive. Peoples’ ties to land throughout history and across geographies are closely linked to their own cultural identity and economic position, and are often fraught with periods of upheaval. In South Africa, this is...
Is the return of volatility a return to normal?

Is the return of volatility a return to normal?

Is the return of volatility a return to normal?   During the whole of 2017 the S&P 500 had just eight daily movements of more than 1%. This was an extraordinary period of low volatility in a year in which the index recorded 12 consecutive positive months. So...
The elusive art of effective budgeting

The elusive art of effective budgeting

Research shows that approximately 68% of South African households do not have a financial plan, and 10% don’t have a budget. We all know that it’s not always easy to plan for the life you want and still manage to live in the moment and enjoy all of life’s little...
Planning for retirement during different life phases

Planning for retirement during different life phases

Recently I took a few days off to visit Hermanus and with the Whale Festival that’s just passed, this little town was bursting at the seams. Visitors range from toddlers to graceful retirees, all of whom enjoy the festival equally. It’s in exactly these different age...