Tis the season to be jolly…well almost if the shop decorations are to be believed. And I have also had two calls from people looking for advice re magazine articles they are writing for January editions on “how to avoid over-indulging” during the month of December. So perhaps it is fitting to start thinking about it and planning now before it is too late. One of the biggest issues we face is the length of time between the November,...

10 months ago I finally changed my bank account…after almost 19 years at Standard Bank, I finally had enough of their fees and their complete lack of interest in me as a client and I moved to Nedbank – for no other reason than that they offered a very attractive fee structure. For far too long I had been a “prestige” client of Std Bank – which I finally worked out, meant that I had the “privilege”...