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    How often do you review your debit orders, financial agreements and bank statements?

    How often do you review your debit orders, financial agreements and bank statements?

    By Tania du Toit If monthly financial “housecleaning and management” is not your pet activity, you should still understand that slackness regarding your financial administration could unfortunately cost you dearly. Perhaps you’re not an administrative animal and you experience your home office as a paper prison, but … in the end financial agreements between you and your bank or other  … Read more

    Who qualifies for state pension and what is the means test?

    Who qualifies for state pension and what is the means test?

    This article will briefly explain who qualifies for a state pension. It does not, however, apply to private pensions. The requirements for a state pension are as follows: –           First of all, the person must be a South African citizen who is a permanent resident or a refugee. In other words, refugees can also qualify on condition that they have  … Read more

    How are my municipal rates and taxes determined?

    How are my municipal rates and taxes determined?

    Ever wondered how the rates and taxes on your house are calculated and why your rates and taxes seem so much higher than that of your colleague living across town? Property rates and taxes are calculated with reference to the municipal valuation thereof, which valuation is based on the market value of the property and is periodically updated with residents  … Read more

    When is a Debt Due Under a Demand Loan Facility?

    When is a Debt Due Under a Demand Loan Facility?

    By Kamalesh Naidoo Traditionally, a “demand facility” is a loan with no fixed repayment date, and one where the lender will “demand” repayment at some future uncertain date – this could be one month, one year or 10 years from the date that the amount was advanced. According to a recent Supreme Court of Appeal (“SCA”) majority judgment in Trinity  … Read more

    Community Schemes

    Community Schemes

    By David Warmback (For All Members of Community Schemes: Legislation of the New Sectional Titles and Community Schemes Ombud  Acts) What is sometimes referred to as the Third Generation sectional title legislation finally commenced on 7 October 2016, with the long awaited publication of the proclamation relating to the Sectional Title Schemes Management Regulations. Sectional title legislation was introduced to  … Read more


    Recent research shows that only 4 out of every 100 professionals will be able to retire independently one day. Is your current retirement annuity adequate? How can you make extra provision for your golden years? Solidarity Financial Services offer excellent advice that will help you to make provision for your own unique needs as well as those of your loved ones. Click here to find out more.


    No one wants to think about it but it is a reality that fate can strike at any day, minute or second. Therefore, before you even consider saving or investing money, you have to see to it that your current income is protected. Click here to read more.


    What do you pay monthly for your car and household insurance? Are you satisfied with the service and benefits your current service provider offers? Are you not sure if you would have adequate cover should one of your valuable possessions be stolen or damaged? Let us review your current insurance profile and in so doing you can save loads of time, money and effort!


    Are you in two minds about buying that beach cottage or rather investing those extra rands? Solidarity Financial Services offers members excellent, professional and thoroughly researched investment advice.

    Debt counselling is a process that was introduced by the National Credit Act to assist consumers who have high debt levels and are in trouble. The aim of debt counselling is to restructure debt and establish a repayment plan that is supported by creditors or that is found by the court to be fair in the circumstances.

    In other words, it is a form of rehabilitation that carries on in a structured manner until a consumer’s debt levels return to “normal” and he/she can function normally like any other consumer who controls his/her debt levels.


    If you are interested in such a service the drafting of a will is one of the many services Solidarity offers, and Solidarity will also handle your estate after death.

    E-mail: fineks@wvs.co.za
    Fax: 086 639 1999
    Phone us for more information: 012 362 1552.
    Download form here.



    Although buying or selling a car is exciting, some people experience this as pretty traumatic. They struggle to decide which model they should choose and how to get financing, and find the paper work attached to a transaction problematic. Solidarity Financial Services will attempt to provide information that will make things so much easier for you. Click here to calculate the cost of a new vehicle.


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