A Guide for Life

As we pass through life we all have, often without knowing it, personal mantras, lessons and or guiding principles that we are able to return to at times of doubt, indecision, fear or stress.

These, let us call them “guides”, have come about as the result of life lessons and hard experiences, or they are a gift from another, someone that loves and cares for us and is therefore concerned about how we are coping, or need to cope, with life issues at any particular time.

I am truly blessed to have a number of friends, who have never been shy to point out where I must moderate or correct my actions, or behaviour, wherever they thought my position was inappropriate. I am thankful to them for those moments because that is what real friends do, they get involved !

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2008 Can be great!

I am no spring chicken, but this must be, no I know this is the first year where I have entered any January with the heads of central banks warning of financial turbulence to come!

So what must we make of it all?  Well, I believe it is simply a challenge we must all raise our game to meet.  The biggest single issue will be managing client expectations.  Our clients have gone from expecting to receive 30% p.a. returns to thinking that perhaps 2008 will look to take back much of what they made in 2006 and 2007, that we must put straight and quickly.

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Pocket Money

I now believe the worst thing you can have is a child who is good at Maths. Personally I was never great with the old numbers as a child, hence my slide down that old academic pole into law school.

Maths came to me later in life and consequently I was conned out of numerous pocket money amounts as I never really kept track of what was going on, my Mum and Dad were always the winners!

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Port Elizabeth “A breath of fresh air”

I can see why people love and stay in PE it has a close and carrying community and some very smart guys. the guys we have joined, to form our expansion plans into EP and Border, are great people as well as being from good solid families.

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The cards will be available in early 2008 and we hope that they assist you and everyone of the 598 clubs out there…….GOOD BOWLING!!!

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Monty has been an established and respected partner and broker in Port Elizabeth for 30 years and although WARWICK are currently negotiating with several well known figures in SA it is a pleasure to conclude the deal with Monty in 2007 as our PE office establishes itself.

Monty is also a keen BOWLER and will join the growing TEAM of BUSINESS AMBASSADORS which includes the South African Captain Jason Evans, WP Masters player Derek Watson and Western Suburbs player Rodney Botha.

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Will JUNK BONDS, otherwise known as sub-prime (for that read sub standard loans) really impact in SA. the latest I hear is that with a 50% rise in interest rates in a year and potential future rate rises on the horizon being an Estate Agent just went back to be the tough job it alsways was and that by next April the full impact of the higher costs will be really hurting all those who have over extended themselves.

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Even Granny Grundy doesn’t keep all her eggs in one basket, so when I read a leading estate agent advising people that their entire investments can be held in property I was a touch surprised.

We know that a spiraling interest rate, 50% up on a year ago, and the complexities of the Credit Act have taken an axe at house sales, but its really a bit rich to try and get people to put all their golden eggs into chicken coups, even if they are made of bricks and mortar!

It also begs the question, is this blatant promotion of a single asset class bordering on asset management? If it is, then should not your friendly neigbourhood estate agent be licenced as a category two discretionary asset manager under FAIS? I will leave that one for you to decide.

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Over the last five years we have met literally thousands of people, in SA, who are confused with regards to their retirement funds or, as they are known in financial services, their compulsory monies. Many people have a number of RA’s (retirement annuities) or other pension entitlements and many of these currently reside at different institutions. They do not always know the value of these investments, they may have lost contact with the person who sold it to them and they seldom have a clear transparent picture of what they are paying in fees. Clearly this is not an acceptable situation.

There is, however, a solution! The Warwick Retirement Consolidator offers you the following …

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Nil Stats Nisi Optimum

I’m about to become one of those boring and predictable writers, who every year says the same thing, so here goes!

Gosh, I can’t believe it’s that time of year already. Well actually it is, this is the final Blue Chip of the year and I really cannot believe that 2007 will be the fourth year in which I will contribute to the magazine. 

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