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    Tips to save energy during winter

    Tips to save energy during winter

    Keeping warm during winter usually means using more energy and paying higher utility costs each month.   “Finding ways to reduce household energy usage will assist homeowners to keep warm without electricity bills becoming excessive,” says Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa.   He provides a few tips that will help save energy this winter:  … Read more

    Chev quits SA: This is how it affects you

    Chev quits SA: This is how it affects you

    Cyril Blackburn     By now it is general knowledge that the car manufacturer General Motors (GM) is going to cease some of its operations in South Africa. The announcement less than a month ago by the manufacturer that the production and sale of all Chevrolet vehicles in South Africa will be phased out by the end of 2017, sent  … Read more

    Not listed in the register: Are the shares mine?

    Not listed in the register: Are the shares mine?

    Sanette Viljoen   John buys shares in a company and receives a share certificate. He attends the shareholders’ annual general meeting, only to be informed he is not allowed to vote, because he is not listed in the company’s share register. Who, then, is the lawful owner of the shares, and doesn’t John have any rights as shareholder?   What  … Read more

    Sellers no longer held ransom for future debts

    Sellers no longer held ransom for future debts

    Michael Collins, Grant Ford, Natasha Fletcher and Pauline Manaka     The courts have come to the rescue once again, clarifying and confirming a seller’s duty to settle outstanding municipal debt prior to receiving a property rates clearance certificate. In short, municipalities may no longer hold a seller ransom by refusing to issue a clearance certificate until the rates have  … Read more

    What is a realistic budget?

    What is a realistic budget?

    Creating a realistic budget is the first step to creating wealth. If you don’t know how much you have to spend or to save, your personal wealth will continue to be affected by unexpected emergencies, increases in the costs of food and petrol and the effects of the global economy. Living in denial about how much you spend, and how  … Read more

    RETIREMENT PLANNING

    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.

    LIFE INSURANCE: INCOME PROTECTION AND DISABILITY COVER

    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.

    SHORT TERM INSURANCE

    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!

    INVESTMENT ADVICE AND REVIEW OF YOUR EXISTING PORTFOLIO

    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.


    FREE FOR SOLIDARITY-MEMBERS

    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.

    MOTOR FINANCE

    WHAT WILL A NEW VEHICLE COST?

    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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