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First-time property investor: tips and tricks
Prepare financially, get a loan, research areas, consider tenants, outsource tasks, calculate profitability, and commit for the long term when investing in property.
How to calculate the ROI on rental property
Assess rental property profitability using metrics like ROI, cap rate, and the 1% rule. Leverage tax breaks and expert advice for optimal returns.
How to pay off your bond quicker
Pay off your home loan faster by depositing extra money, negotiating lower rates, and possibly shortening the loan term.
Fair wear and tear and rental properties – what you need to know
Fair wear and tear refers to expected deterioration from regular use, while damage is excessive or unauthorized changes causing substantial harm.
How to do a rental property inspection – with Checklist!
Rental property inspections are crucial for both landlords and tenants. They protect against disputes and ensure accountability.
Retirement predictions: trends and my opinion on what will happen
Retirement seems impossible for most; financial advisors face distrust. Disruptive innovation, like ETFs and crypto, reshapes investments.
What is EasyProperties and how does it work – An honest review
EasyProperties allows individuals to invest in property by buying shares in residential properties in South Africa through the EasyEquities platform.
What is the EasyCrypto10 (EC10) crypto index?
EasyCrypto10 simplifies cryptocurrency investment for non-experts, resembling an index fund. However, its board’s power to alter rules raises concerns.
Do I Actually Own The Fractional Share (CFD) With EasyEquities?
EasyEquities have made it easy to invest in ETFs, shares, bonds and even cryptocurrencies through EC10. This is often done by offering fractional shares to clients for investment purposes. What are fractional shares? Imagine wanting to invest in Apple – but you don’t have R 2 600 ($ 169) for a single share. This has […]
Frugal Local’s top books to read for 2022
“If you want your children to be intelligent, read them fairy tales. If you want them to be more intelligent, read them more fairy tales”
What is the S&P500 index and what ETFs track it?
The S&P500 index and ETFs NOTE! The information is based on November 2021 data Considered to be a proxy of the U.S. equity market, the index is composed of 500 constituent companies. – S&P Indices Methodologies document The Standards and Poor’s 500 (S&P500) is one of the seminal indices of the world today. The index measures […]
How to earn passive income through crypto
Passive income through crypto Imagine having a stream of revenue flowing into your wallet – and having to do nothing to make it happen. Though it might sound like an impossible task to earn passive income through crypto, there are some options. Note that this is not a get rich quick scheme or a ‘retire […]
Closing The Generational Wealth Gap in South Africa
Leaving a legacy and generational wealth A good man leaves an inheritance to his children’s children. Imagine you had the power and ability to leave a financial legacy to your children, their children and even their children. Previously, this was only available to the super-rich, but these days you can do the same. Generational […]
Balwin vs the owners at The Blyde Riverwalk Estate: dealing with majority stakes
The Blyde Riverwalk Estate: owning a majority stake in the sectional title scheme When buying property, you could be buying a full title, sectional title or leasehold. Balwin’s The Blyde Riverwalk development is a sectional title scheme where all the owners each own a section in the scheme. There is also common property, that is jointly owned […]
Waterfall City’s 99 year property lease agreement
Ownership: the 99-year lease agreement Long term property lease agreements are rare in South Africa, but not unheard of. One of the major developments in recent time, Waterfall in Midrand implemented an interesting, innovative 99-year lease agreement where you sort of have ownership, but don’t. Notwithstanding, we find that in our culture, we have the […]
What are the differences between a retirement annuity, pension fund and provident fund?
The retirement annuity, pension fund and provident fund When you speak to a financial advisor or join a new company, you might be either forced or encouraged to buy into a retirement product. As these products have lots of regulations and legal obligations, it might feel like you’re pouring money into a bottomless pit. Don’t […]
How To Save For My Child’s Education
You’ll need money for your child’s education The cost of a child’s education has been on the increase over the last 20 years. The upward trend tends to increase with inflation (CPI) +2% for education fees. A recent study by Old Mutual revealed that at the current trend, the cost of education in 2035 will […]
The big list of personal finance resources
Discover a wealth of personal finance resources, from debt management to investing, curated to help you thrive financially!