Investments, Insurance & Life Advice
Vehicle trackers give Peace of Mind A week of mindless looting and destruction in South Africa (July 2021) changed the insurance landscape forever. Crime is still on the increase. Hijacking still on the rise. Tracking devices are essential devices. It’s a proactive measure to deter thieves from stealing your vehicle. It also acts a means …
Driving with expired licences in South Africa. “Pull over,” commands the stoic cop during a routine traffic inspection. Traffic is heavy. Therefore, you are in this quagmire for an hour already. “Why the heck run an inspection campaign during peak traffic?” you said to yourself 30 minutes earlier. But now your mind is on something …
In summary, car insurance in South Africa is tantamount to daylight robbery. More so during a pandemic. Car insurance premiums are unfairly calculated. We are mostly working from home! Yes, I am a Certified Financial Planner and accredited to provide financial advice. So let me say this upfront: what you are about to read is …
Waking up from a reverie… My phone rang frantically on a humid and lazy Sunday afternoon . Numbers I could not recognize. I reluctantly answered. “Joey …. it’s me… John…” Joey is the name that only my closest buddies know me as. But this voice I did not hear for more than 20 years. In …
Happy 2021 fellow readers. Virtual Adviser has developed an online burnout assessment tool. Click on the link above to initiate the process. Enter your details, answer all the questions and receive a score. Your score is interpreted and the result sheet is confidentially emailed to you. Kindly enter the correct email address to ensure that …
Covid-19 has changed how business is done. Virtual Adviser is pioneering autonomous financial advice via bots (investment planning, estate planning, car and life insurance, including funeral plans) in South Africa which inevitably requires the use of electronic signatures. It is therefore important for our clients and followers to understand the ins and outs of electronic …
It is December 2020, we are in a global pandemic. Shopping malls are crammed and online stores are getting sold out of the typical festive season gifts. If you want to play a significant role in changing the lives of the people you care about, then pay careful attention. Here are 15 gift ideas, all …
This addition to our “15 Series” is based on contributions by the Virtual Adviser team of Professors, experienced Medical Doctors, esteemed Health Professionals and Certified Financial Planners. It is profoundly insightful. Every person who is covered by medical aid in South Africa should read it. “Unlimited hospital cover” This is a common advertising strategy used …
In the near future AI will replace financial advisers that sell life insurance and off-the-shelf investment products. At Virtual Adviser we are close to building the AI platforms to do that. It’s simple, really. Based on key financial metrics, a person’s financial need can be ascertained. Coupled with affordability calculations, the extent to which the …
Two people driving the same vehicle rarely pay exactly the same insurance premium. Sometimes the difference can be quite significant. There are a number of factors that contribute to your car premium. It’s not advisable to chase the lowest premium due to a number of hidden risks. What you need is an independent perspective on …