Insure for Retirement

Most people do not like paying the premium for insurance and they most likely do not like paying for anything, however there are some insurance with double benefits.

Consider paying for life insurance, getting peace of mind and after 15 years, you get 100% of your money back. Wouldn’t that be fantastic?

Well yes, however sometimes (not always) there is a premium to pay for the cashback, which insures you get all your money back. So, is it worth it? We found out you can get 20% growth on the added premium and still get all your premiums back and in some cases the premiums are even lower than your current.

That sounds like something which can give my retirement a boost. I cover my income and debt while saving for retirement. Stop losing money, get 100% Cash Back.

Let a Friendly Registered Financial Adviser Contact You – GET IN TOUCH

Accenture Scholarship Programme For 2020

Are you a top student looking for a bursary for 2020? Read more about our scholarship opportunities and apply by 15 August 2019

Applications for Accenture’s 2020 Scholarships are now open!

The closing date is 15 August 2019, so act quickly.

Accenture, through its independent Education Trust, helps economically disadvantaged students with strong academic backgrounds to further their studies at tertiary institutions in South Africa.

If you are you a high achiever in your second, third, fourth or Honours year of study, we want to hear from you.

Successful candidates will receive a full scholarship. The bursary programme covers the following expenses: registration fees, tuition fees, examination fees, meals, residence, book allowance for prescribed books and a laptop. In addition, the scholarship is backed up by ongoing mentorship.

Applications will be considered from students who wish to major in one of the following disciplines at one of the universities listed below.

DEGREE COURSES AND UNIVERSITIES

Degree courses

  • BSc in Computer Science
  • BCom or BSc in Informatics or Information Systems
  • BCom or BSc (Eng) in Information Technology + BIT
  • BEng or BSc (Eng) in Computer
  • BEng or BSc (Eng) in Electrical (Light Current)
  • BEng or BSc (Eng) in Electronic
  • BEng or BSc (Eng) in Information
  • BEng or BSc (Eng) in Industrial

Universities

  • University of Cape Town
  • University of Johannesburg
  • University of Pretoria
  • Rhodes University
  • University of the Western Cape
  • University of the Witwatersrand

How to Apply

If you meet the above requirements and would like to apply for a scholarship, please print and complete the application form (click here to download application form).

Closing Date: 15 August 2019.

REMEBER THIS IS NOT PART OF THE EMPLOYER SCHOLARSHIPS ADMINISTIRED BY FINANCIAL CONSULT. YOU CAN FIND THAT HERE

Let us help you save on expenses for education, school fees, higher education …

DO YOU OR YOUR SPOUSE EARN LESS THAN R600 000 P.A? 
GET CASH BACK FOR EDUCATION


HOW MUCH DO YOU SPEND ON SCHOOL OR HIGHER EDUCATION, inluding BOOKS AND FEES? DID YOU KNOW YOU CAN GET CASH BACK?

Alternative Medical Plans

Now Employer Groups, even small and medium with 30+ workers, have the ability to offer their employees affordable options for medical cover.

The traditional medical aids are under certain rules and regulations to provide comprehensively for a large number of illnesses. Although this is good for those who can afford it, many people just can’t and are left with no affordable medical aid options.

That was until legislation allowed for the new Medical Plans underwritten under a new category which allows a fair benefit for the reduced monthly contribution.

Day to Day benefit Plans from as little as R273 Main member, R201 Spouse, R130 child and

Hospital Plans R145 Main member, R94 Spouse, R27 child.

These plans combined cover a great deal which include hospital visits and medical visits like doctors, optometry and dentists, chronic medication and a whole list..

Get in touch and we will send you the full workers group brochure.

  • GP in room procedures Minor medical procedures
  • Acute Medication Unlimited when provided in accordance with network prescribed formulary
  • Chronic Medication 24 Chronic conditions covered
  • Basic Pathology Basic blood tests as requested by Network GP, according to protocols
  • Basic Radiology Black and white x-rays as requested by Network GP, according to protocols
  • Basic Dentistry
  • Basic dentistry such as fillings, extractions, infection control, cleaning and polishing. Covered at any dentist on the network.
  • Basic Optometry
  • 1 Eye test and 1 pair of clear standard single vision lenses with a standard frame. Benefit available every two years. Covered at any optometrist on the network.
  • Maternity 1 first trimester and 1 second trimester growth scan per pregnancy
  • Flu Vaccination 1 Flu vaccination per member per year at an approved pharmacy clinic
  • Funeral Cover Up to R10 000 funeral cover per family
  • Emergency Casualty Up to R2 000 per policy, per year
  • Accident Hospitalisation
  • Single member : Up to R75 000 per event. Overall Annual Limit of R150 000.
  • Families : Up to R150 000 per event. Overall Annual Limit of R300 000.
  • Illness Hospitalisation
  • 1st 24 hours: Up to R6 500
  • Day 2 and 3: Up to R4 500 per day
  • Subsequent: Up to R1 500 per day
  • Maximum 21 days total admission
  • Maternity Hospitalisation
  • Up to R25 000 per natural delivery or R35 000 is a C-section is required
  • Limited to one event every 12 months
  • ICU/High care
  • Up to R12 500 per day
  • Maximum 5 days


Risks of not having an updated Final Will and Testament?


According to our fiduciary partner the following 10 points are important to consider when drafting a last will and testament:

  1. Only an original and signed will is valid.
  2. Your appointment of a family member or friend as an executor may be declined by the High Court, thus the co-appointment of an approved, professional is paramount.
  3. Your will only deals with life cover that pays into your estate, thus your Will and life cover beneficiary nominations must complement each other.
  4. If you do not create a testamentary trust for the receipt of your minor children’s inheritances, their money will go to the Government Guardian’s fund. An existing (Inter Vivo’s) trust can be nominated, but this structure should already be managed in strict compliance with the Trust Property Control Act.
  5. Guardian nominations are only applicable when there is no surviving biological or legally appointed parent.
  6. Guardian nominations are only a wish, these nominations should be aware of and happy to accept such an appointment.
  7. No-one can inherit until all debts, fees, taxes and marital contract claims are settled, regardless of what your will says (even if you have no will).
  8. You can use your will to document your last wishes, but these are only wishes and not always enforceable.
  9. If you state that you wish to be an organ donor in your will, then you must still register with the Organ Donor Foundation for this wish to be given effect.
  10. You cannot cater for every single eventuality, so it is usually better to keep your will simple and straightforward, revising and amending as your circumstances change.


We will gladly review your current Will Document to see if your wishes can in fact​ ​be acted upon or draw up new ones.
 

Contact us for a free Will and Testament appointment at work or home.

​​No charges to store or amend your Will! Taylor Made with cutting edge technology.

Save on : Executors Fees, Testamentary Trust Fees, Conveyance Attorney Fees and Non-Estate Asset Fees.


Why draw up a new Will and have it safely stored?

The cases are limitless, but lets look at a few scenarios.

You are looking to get married or divorced/seperation but your Will is still the same while you life wishess have changed. Having a Will and Testament on your PC or in your Drawer can result in easy disapearance when the court require the original.

You get children or your parents, sublings died while they are still on your Will.

Your assets or financials changed or you started a new business.

These are all triggers to get a new Will and Testament or at least update it.

Banks may charge a fee for safe storage, we don’t!