Tips and tools for your wallet and wellbeing

What is life insurance?
  • #LifeInsurance

Here at Simply, we love a bit of pirate energy. We’re not, of course, saying we endorse wholesale theft and piracy.

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What Is Disability Insurance & Why Do I Need It?What would happen if you became disabled and could no longer work? Disability insurance helps to safeguard you and your employees for the future.
  • #LifeInsurance

Although it’s not always easy to think about, it’s important that you’re aware of the impact becoming disabled could have on you, your family and your business. Do you know what would happen if you couldn’t work anymore? Or what if one of your employees was involved in a car accident and wasn’t able to work?

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Small Business Owner? Here’s All You Should Know About UIF
  • #SmallBusiness

If you’re the owner of a new start-up or small business, you’re probably grappling with lots of unfamiliar acronyms right now.

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5 Small Business Load Shedding StrategiesLoad shedding getting you down? Here are 5 strategies to help your small business survive load shedding in the months and years ahead.
  • #SmallBusiness

As frustrating as the concept of loadshedding is, it’s made worse by the fact that it doesn’t look like it’s ending anytime soon.

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Encouraging Work Life Balance | Small Business TipsA contented work force means higher productivity, less sick leave and a lot more fun. Here are 5 tips for promoting work life balance in your small business.
  • #SmallBusiness

As a small business owner, you’ll know the value of keeping your employees happy. Making sure your staff members are content at work not only makes them less likely to leave, but leads to higher productivity, less sick leave and a lot more fun.

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5 Steps to Financial freedom in 2019
  • #SmallBusiness
  • #SimplyGroup

Group life insurance may not be a new concept, but there are not many insurers in South Africa who offer products that really work for small businesses.

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Why your funeral plan isn’t enough?
  • #LifeInsurance

Funerals are expensive. The Ombudsman for Long-term Insurance estimates that an average South African funeral costs around R10 000 – a significant sum of money to pay when a loved one dies.

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Financial literacy for your domestic worker
  • #LifeInsurance

As we stare down the third petrol price increase in three months, we are reminded again that these are not easy times; the majority of South Africans continue to experience the pinch of a rising cost of living.

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Free CCMA Web Tool Makes Labour Relations EasyThe CCMA and BUSA have developed an online tool to help you hire and manage your team, and to answer all your questions about South African labour law.
  • #SmallBusiness
  • #SimplyGroup

When it comes to your small business, your staff are everything. Without them, you simply wouldn’t be able to offer your services to your clients, make and distribute your products, or ensure that your company’s day-to-day admin flows smoothly.

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6 Tools You Need as a Small Business OwnerAs a small business owner, you’ve got your work cut out for you, doing everything from HR training to sales. Here are 6 tech tools to make your life easier.
  • #SmallBusiness

As a small business owner, you’ve got your work cut out for you. Besides doing things like sales, customer service and then the actual work itself, there are also all those admin tasks – like invoicing, recording expenses or keeping track of workflow.

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5 Tips for that Perfect HR InterviewA business is only as good as the people who work in it. To help you recruit the best possible humans, here are 5 tips for conducting the perfect HR interview.
  • #SmallBusiness

We’ve heard it before but that’s because it’s true: a business is only as good as the people who work in it – and this is especially true with a small business.

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5 Things to Know About Your Small Business & TaxDoes the word ‘tax’ fill you with dread? Here are 5 tips to help your small business with your tax planning, so you can avoid any nasty tax surprises.
  • #SmallBusiness

There are plenty of perks to owning your own business: you’re your own boss, you enjoy freedom and flexibility, and you get to do work you’re passionate about – and then be paid for it.

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5 Steps to Financial freedom in 2019
  • #Fintech

Whether you need financial freedom to achieve your goals this year, or whether financial freedom itself is one of your goals, it might not be clear where to start.

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A twist on the 52 week challenge
  • #Saving

Have you seen the 52 week challenge on social media? Basically you start with saving R10 in your first week, then the next week you save R20, and the following week R30.

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Accidents Happen
  • #Social Media

It’s no secret that South Africa’s roads become hazardous over the festive season. Increased volume of cars on the road, urgency to arrive at holiday destinations, and the anticipation of seeing loved ones all contribute to an increase in the amount of accidents every year over this time.

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How does life insurance take care of my children?
  • #Social Media

Life insurance, says the old joke, is a policy that keeps you poor all your life so that you can die rich. Naturally, the first part of that sentence shouldn’t be true – if you’re paying so much for life insurance that you have to sacrifice life’s pleasures you’re definitely with the wrong insurer.

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Do I need life insurance even if I'm single?
  • #Social Media

Buying life insurance can be like putting a duvet inside a duvet cover or having to pick up and move the vacuum cleaner when the pipe doesn’t reach: it’s not particularly unpleasant, but you never really feel like doing it.

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3 things to consider before changing your career
  • #Social Media

Not feeling the love at work? You’re not alone. Gallup’s findings in the recent State of the Global Workplace Report suggest that 85% of employees around the world are not engaged, or are actively disengaged at work.

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Why your domestic worker needs life cover
  • #Social Media

Next time you have 10 minutes to spare, ask your domestic worker about her funeral cover. With some prompting you will likely receive a thorough response, with a real-world cost-benefit analysis of the various policies and insurance providers in the market.

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Why Uninsured Employees Are Bad For Business
  • #Social Media

Often businesses assume that their employees will take the necessary steps to insure themselves, but in reality, many people don’t.

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Rico's interview
  • #Social Media
  • #Video

Find out why a Harvard graduate chose to come all the way to South Africa to spend time at Simply.

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Year-end presents for employees?
  • #Social Media

As a small business owner who knows their employees well - and sometimes their families too - do you find yourself hunting for appropriate gifts for them at the end of a long year?

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Black Friday
  • #Social Media

Black Friday - Buy the things that matter, for you and your employees Even the school kids are talking about Black Friday.

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Simply #MoneyDiaries with Aisha Pandor
  • #PR

Simply #MoneyDiaries with Aisha Pandor 1. Do you have a monthly budget? If yes, when did you start budgeting and why?

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Simply #MoneyDiaries with Sue Torr
  • #Social Media

Sue Torr from Crue Invest shares her thoughts on saving, understanding money, relationships, and adds a few tips she’s learned along the way.

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What UIF means to my domestic worker
  • #PR

After more than 12 years of fast-paced life in Johannesburg, my family and I are relocating to the country for what we assume will be a simpler life.

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Simply #MoneyDiaries with Tracey Chambers
  • #PR

Simply #MoneyDiaries with Tracey Chambers 1. Do you have a monthly budget? If yes, when did you start budgeting and why?

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Simply #MoneyDiaries with Belinda Mountain
  • #PR

In telling us about your #MoneyDiary story, the following questions are guidelines: 1. Do you have a monthly budget?

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Simple life-cover product for your domestic workerread more
  • #PR

Simply Financial Services (Simply) has introduced a life assurance product for households that want to offer their domestic workers life and disability cover.

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Did you plan your job?
  • #Career

By Sam Wilson Späth I was so sure of myself when I was in my 20s. I knew what I wanted to do with my life, and how to get there.

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Angels Baby Sanctuary - taking care of the caregivers?
  • #PR

Faced with early retirement five years ago, Anne Ebrahim was looking for something else to do. She was done with administration and bookkeeping, a job she had held down for over 30 years, and looked instead to her passion – babies.

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Should we give our kids control over our money?
  • #Saving
  • #family

By Sam Wilson Späth ‘Sushi take out for dinner, everyone ’ I proclaimed happy last Friday. ‘ It was a brutal week and we all deserve it.

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Who wears the family money pants?
  • #Money
  • #Saving

By Sam Wilson Späth The idea of who wears the pants in our family has always been a joke, as all four of us only wear pants.

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UIF – blessing or curse?
  • #Unemployment
  • #Finance

South Africans are dealing with a lot of uncertainty at the moment. Actually, we’ve been dealing with a lot of uncertainty for quite some time, and a large amount of that uncertainty has to do with personal cash.

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Does your life cover match your life?
  • #Life Insurance
  • #Marriage

Chances are pretty good that you didn’t have life cover when you were 21. Though you were an adult by that age, you didn’t yet have the many responsibilities and commitments that we associate with being grown up.

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Simply Valentine with Kids
  • #Saving

Valentines day is just around the corner. And although we show our kiddies love every single day, valentines is a fun way to celebrate love a little more.

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Wise up and Water down
  • #Saving

Here at Simply we always try to see the bigger picture, and for all South Africans – not just the ones in the Mother City – that picture has WATER SHORTAGE graffiti’d all over it.

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Top 7 things I learnt about money in 2017
  • #Fintech

Welcome to 2018, it’s a new year with new opportunities. Sadly Donald Trump is still the president of the USA, and in South Africa, we still have President Gupta at the helm but hopefully that will all change soon.

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The rise of Insurtech
  • #Fintech

Although the term Fintech (Financial technology) was first used in the 1980’s in the Sunday Times by business letter editor Peter Knight, it seems to have entered the common vernacular after the 2007 financial crash.

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Keep Calm and Invest with care
  • #Fintech

Investing is not difficult, but to be successful, it requires hard work, due diligence, and following a few rules (so says Warren Buffett).

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Bitcoin and the emergence of a new world order
  • #Fintech

Bitcoin - the word on everyone’s lips, is the electronic cryptocurrency of the day. But what has it’s recent meteoric rise to fame really taught us?

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Small Business – it’s worth it!
  • #Business

“Our character is often most evident in our highs and lows. Be humble at the mountaintops, be strong in the valley, and be faithful in between”* Running a small business is challenging and fulfilling and frustrating and full of risk.

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Christmas spirit can be a win-win
  • #Business

The book “A Christmas Carol” by Charles Dickens’ comes to mind at this time of year, when the Ghost of Christmas Past comes to visit the miserly Scrooge to show him visions of Christmases in his past.

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You choose your legacy
  • #Funeral
  • #Saving

When we attend a funeral, we are often witness to a tender commemoration of a remarkable life lived. We may feel part of a loving celebration of a good life spent seeking adventure, or surrounded by friends and family, or in the service of others.

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Juggling Life and a Small BusinessParenting, working & treating employees well
  • #Parenting
  • #Saving

Parenting, working and treating employees well A friend (let’s call her Sarah) is a parent and a freelancer and a co-owner of a SME business.

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Make magic without more debt this Christmas
  • #Money
  • #Saving

Minimalism and Frugality are terms (with different meanings)* that have relatively recently joined the common vernacular.

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Some are good with money, some not so much.Thought provoking ideas about saving and spending
  • #Money
  • #Saving

“The more things you own, the more they own you ” For many people, the words “financial advice” have historically been associated with a complicated, difficult, and ill-understood if necessary part of life.

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Save a little, Live a lot.
  • #Money
  • #Saving

Let’s start at the top, with the bottom line. While we are working, and earning an income, we need to save for the future.

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Learning about money as an adult
  • #Money
  • #Saving

I was brought up in a family that cherished intellectual thought, art and culture above the pursuit of money.

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Saving while everything screams buy
  • #Saving
  • #Investing

The year is drawing to a close, but the festivities are just getting started. It is now November. Black Friday is on 24 November and Christmas is a month thereafter.

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What will you do with your 13th cheque?
  • #Saving
  • #Debt
  • #Personal Finance

As the end of the year draws closer and the festive season approaches, we look forward to some relaxation time and some party time - it’s summer sun and fun season.

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Save more tomorrowBehavioural economics works to help us save
  • #Saving
  • #Investing

Thanks to modern technology, we’re living longer than our grandparents used to! While this is great for our quality of life - it does mean our savings (especially pensions) will have to last longer.

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Are you looking after your employees?
  • #employee wellness
  • #employee benefits
  • #sme insurance

South Africa’s small business (SME - small and medium size enterprises) sector is sizeable and growing year on year.

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Domestic workers' minimum wagesSupporting those who support us
  • #domestic worker minimum wage
  • #funeral insurance
  • #domestic workers
  • #fair pay

So many of us enjoy the help of a domestic worker in our homes. They help us to keep our homes clean and our lives in order.

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Teaching our kids to saveTop Tips for money savvy kids
  • #Budgeting
  • #Family
  • #Kids
  • #Saving

As a parent we all want to give our children the best possible chance of success in life. One of the most important ways we can do this is to teach them how to save from an early age.

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I don't need life insurance, or do I?Ant chats to Kieno Kammies on CapeTalk
  • #Interview

Anthony Miller, CEO at Simply Financial Services, says life insurance is not a one size fits all decision.

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My Money Story - GoitsiBeing broke and irresponsible with money taught me lessons that I could have never learned from a textbook.
  • #Debt
  • #Savings

I come from an era where saving money was just a myth, an impossible and impractical exercise because my parents didn’t earn enough to save - and they themselves did not understand the concept of putting money aside.

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Women and MoneyLearning to get on top of it
  • #Women

“We’re talking about money money, we’re talk-in’ ‘bout the dollar bill” ..… the words in this song may as well have been written with women in mind, because when it comes to women and money, well we really don’t like to talk about it.

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Preparing to InvestWhat should I consider?
  • #Investing

Investing your money wisely can feel both daunting and exciting. In a previous post you can find here, we highlighted some of the main options and mechanisms for investing.

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Great ways to save and investConsider saving options
  • #Investing
  • #Money

We all know we should save money every month. As hard as it is to find the spare cash to put away, simply put - it is the path to financial security.

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Honouring those we’ve lostA look at funeral rites from around the world
  • #Funeral

We all want to provide our loved ones with a memorable and dignified funeral, however ideas about death and dying vary enormously from culture to culture.

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Real connection in the digital ageSocial media has changed the way we communicate.
  • #Social Media

Social media has changed the way we communicate in unprecedented ways. It keeps us connected with family and friends but also dissolves barriers to bring like-minded communities together.

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Death and DignityUnderstanding funeral plans
  • #Funeral
  • #Life

18.9 million people in South Africa are covered by some kind of a funeral plan. There are so many companies out there trying to sell this product - we’re constantly bombarded by SMS’s, by TV ads, by phone calls and by people in our communities wanting to sell us more funeral cover.

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Wired for connectionWant to live a longer life? Spend time with people you love.
  • #Health

In our pursuit of health and well-being, we often focus on physical or external factors like diet and exercise.

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My house is my palaceWe all dream about our own house - how to make it happen.
  • #Property

You have been dreaming of owning your own property for years. A place where you can make the rules, paint the walls, have friends and family over and feel a sense of security and accomplishment.

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The cost of my new wheelsCan you afford a new car and all the stuff that comes with it?
  • #Budgeting
  • #Cars

You may be sick and tired of public transport or you may just feel that owning a black wagon with shiny silver rims will increase your street cred or you may want to display the fact that you are moving up in the world.

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Looking after familyHow to cope with the cost of caring for extended family
  • #Budgeting
  • #Family

Sipho shakes his head in disbelief. As the first graduate in his family he earns a good salary but he is now so deeply in debt that he can hardly sleep at night.

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Do I need life insurance?What is life insurance and why is it important?
  • #Insurance
  • #Planning

Synonyms for “insurance” are: protection, defence, safeguard, safety measure, shelter, security, precaution, provision, preventive measure.

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Sjoe, babies are expensiveEish! Babies are expensive - how do we budget for a child?
  • #Family
  • #Budgeting

People say that if we knew how much having a child is going to cost we would all think twice about having children.

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Your wedding and debtGetting married? Don’t go into debt for the wedding
  • #Debt
  • #Marriage

Although your wedding day might be the most important day in your life and you want to have a huge celebration and look exquisite, it is simply not worth it to start your married life in debt.

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It's PayDay!Understand your salary slip and what it means.
  • #Work
  • #Salary

There’s nothing quite like your first paycheque. It gives you a sense of freedom, accomplishment and pride.

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SAVINGS 101Where do I start with savings?
  • #Saving

Why you need to save Life doesn’t always turn out how we expect. Especially when it comes to money and emergencies.

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