Tag Archive

Bringing up children

February 7, 2010 No Comments

There’s a startling difference between children learning through self-discovery, and children learning through self-discovery with proper guidance. The first things that children learn are usually the things that stay with them and mold formative years until they reach adulthood.

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Help your Child be a Successful Student

August 21, 2009 No Comments

Sometimes it seems like the last thing on our children’s minds is their homework and their studies. Unfortunately, this can reflect in their grades and overall performance in school.

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Five Types of Marriages…Which Group Are You In?

July 10, 2009 No Comments

There are a variety of different marriage “groups” out there. As you discover your group, you will be better able to determine if it’s the group you want to be in for the rest of your life, or if some adjustments are in order.

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True Friendships Are Special Gifts That Last Lifetimes

July 3, 2009 No Comments

“Savor your friendships as you grow old; many are silver, but one is pure gold.” This is sage advice for those who have been fortunate enough to find that one true friendship. Or perhaps you have maintained friendships from your days in elementary school. Whatever the case, friends are precious gifts we give to ourselves.

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Relationship Advice: Scratch An Adult, and You’ll Find a Scared Child Underneath

May 29, 2009 No Comments

“Scratch an adult, and you’ll find a scared child underneath.” Who said this? I did. Ok, it’s not a very famous quote. But, I do say it, over and over. And people shake their heads yes, acknowledging that they know what I mean. “Under stress, we regress.” The man who trained me many years ago ...

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OTHER ADVANTAGES OF UTILISING YOUR HOMELOAN AS A SAVINGS ACCOUNT

You will have seen from the examples above that you can save thousands of Rands and settle your bond...

PAY YOUR INSTALMENT AS SOON AS POSSIBLE, PAY IN ADVANCE, AND NOT ARREARS

If you change jobs and your payday changes, ensure that you notify the bank immediately. Paying just 2 day...

BUY WELL WITHIN YOUR MEANS

A lot of people make the mistake of buying a house very close to the maximum for which they...

DO NOT ALLOW THE BANK TO ADD ON COSTS

Today’s competition between banks for bond business is very strong. This results in them making various offers to their...

TAKE A MAXIMUM TRAVEL ALLOWANCE

This piece of information is closely related to the section on not taking a 13th cheque from your employer....

DO NOT REDUCE PAYMENTS WHEN INTEREST RATES DECREASE

In South Africa, interest rates are often subject to wide fluctuations with little warning. When rates decrease, the banks...

DO NOT TAKE A 13TH CHEQUE

A popular practice amongst companies today is to allow staff to decide whether or not they would like a...

USE YOUR “DORMANT” MONTHLY FUNDS

These examples show how much you can benefit simply by placing funds which you only need at a later...

Home Loan Series Vol 2

The problem, as discussed in the previous article, is the capitalisation of interest, over and over again EVERY MONTH...

Homeloan Series Vol 1

The purpose of this series of articles is to provide bondholders in South Africa with practical and simple methods...