Crash proof your plans

A question we often get in workshops is: ‘What do we do when life happens?’ In other words what must we do when we have unexpected expenses? The answer: Expect them. We don’t mean to sound negative but drama happens. You may have reversed into Read More

What to do if you have a garnishee

Definition: Garnishee A garnishee order is a court order requiring an employer to withhold part of their employee’s salary and pay the amount directly to that employee’s creditor for a debt which is due. This method ensures the employee makes some payments towards a debt Read More

Debit order disaster looms

After the festive season, which usually comprises of gift-giving, holidaying and unusually high spending, South African consumers reach the end of January in a predicament of owing lump sums of money, which they cannot afford to repay. This is exacerbated by the cost of school Read More

Deceased estates

An inheritable estate refers to the total of your assets less all liabilities. Freedom of testation allows you to nominate the heirs to your estate in the unfortunate event of your passing. Unfortunately many of us fail to draw up a valid will, leaving our Read More

Your Will: Words for the wise

Your will has been drawn up, witnessed and safely filed with your executor or financial planner. Signed, sealed and delivered. Or maybe not. As is the case with most legal documents, the language you use when you draft a will can have a significant effect Read More

Arrested and your rights

Whether it happens to you, your partner, a family member or friend, arrest is scary. It’s vitally important that you know what to do, and, more importantly, what not to do when you have been arrested. After you are arrested there are seven things you Read More

Violent protest is against the law

Can you believe that 560 protests have taken place in Gauteng between 1 April and 10 May this year? Yes, South Africa has become the ‘protest capital’ of the world! According to the police as many as 40 protests were violent! Although everyone has the Read More