Financial Consultant
I have decades of experience in the financial services industry in South Africa. I worked for Discovery, the country’s largest insurer, for 16 years as a Specialist Consultant/Franchise Director, heading up many of their franchises, before moving to Regal, a leading financial advisory firm.
I decided to relocate and join Infinity in Ho Chi Minh City which would give myself offshore experience in the industry and satisfy my craving to explore a different culture.
‘Wold he haue me kepe nothing against a raynye day?’ No I’m not terrible at spelling, that’s the first recorded appearance in English of the phrase ‘saving for a rainy day’ which, according to grammarist.com, appeared in a book called The Bugbears way back in 1580. The world has moved on significantly since the 16th…
We all know life is short and most of us become more acutely aware of this the older we get. But our working lives are even shorter. Just how much longer you have to work will depend on your age and at what age you plan to retire but, whatever the case, I bet you…
Do you budget? I’m always surprised by just how many individuals and households don’t. Budgeting is at the foundation of successful financial planning not just for businesses but for all of us. And it is crucial whether you earn $1,000, $10,000 or $100,000 (!) a month. If you don’t know how much is flowing in…
I recently came across an article by Melinda Gates on Linkedin which stopped me in my tracks. It was this quote, from economist Marilyn Waring, which particularly resonated with me: ‘If you hired workers at the market rate to do all the unpaid work women do, unpaid work would be the biggest sector of the global economy.’…
Inflation is often in the financial news and I’m pretty sure you will have already grasped the notion that it is all about rising prices. As prices go up the purchasing power of money decreases so the money in your pocket (or your bank account) is worth less over time. Inflation is expressed as a…
Back in 2016 the Financial Conduct Authority (FCA) in the UK launched a review of the the life and pension sector’s closed-book business which revealed how they were exploiting their longest-serving customers. The review highlighted a number of failings including holding customers to unfair and outdated terms and conditions written decades previously, companies failing to…