The True Cost of Financing a Car Purchase – Opportunity Cost

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Gavin van Dyk, CFP and Director at www.Fiscal.co.za In a recent article in TopAuto, “How much you need to earn to drive an “average” new car in South Africa”, it was stated that the average price of a new car financed through Wesbank in January 2021 was R358 390. An important key to financial success is to manage your lifestyle costs and …

5 practical questions to ask about debt

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It is not difficult to understand how one gets into debt. What’s more difficult is knowing when and how to get out, financial planners warn. “We have such easy access to credit cards, retail accounts for furniture, clothing, appliances; and regular offers to apply for small loans. “Have you noticed that you qualify for a loan without having applied for …

Lifestyle-orientated planning and client-centricity go hand in hand

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BY: GAVIN VAN DYK Client centricity, developed through dialogue rather than through number crunching, has been a major theme in financial planning recently, and builds a case for a lifestyle-orientated approach. This begins when a client first contacts a financial planner and for most, this is at the time of their retirement. Typically, the leading question they will ask is whether …

Fiscal Private Client Services’ Andrew Bradley on what smart money is buying

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Lately finding value for investors has been a difficult task for even the most astute financial planners. Andrew Bradley, co-owner of Fiscal Private Client Services, a wealth management company based in Cape Town, says the fundamentals of investing remain critical. CNBC Africa Kopano Gumbi caught up with him for more on reimagining investing, including broadening the property market in Botswana. …