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Newsletters 2008

01 December 2008 Michelle Schreuder

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January 2008
Minister of Health versus private hospitals - 14 January 2008
Precious metals surge into 2008 - 15 January 2008
The Fidentia scandal rolls on into 2008 - 16 January 2008
Hard selling runs foul of UK financial services law - 17 January 2008
Featured Article - Collective investment cash flows slow in fourth quarter - 18 January 2008
Stokes Stage - Stumbling in the dark - 18 January 2008
Straight Talk - Biggest sentiment shift in a decade - 18 January 2008
Tax return submission deadline - 21 January 2008
The biggest mistake financial service providers make - 22 January 2008
Housing analysts finally face reality- 23 January 2008
Waiting for confirmation of the consumer meltdown - 24 January 2008
Stokes Stage - SAPS 2 – Scorpions 1 - 25 January 2008
Straight Talk - World’s greatest investor eyes Swiss Re - 25 January 2008
Featured Article - Six domestic uncertainties to rock equity returns in 2008 - 25 January 2008
Private hospitals step down - 28 January 2008
South Africa loves fast money - 29 January 2008
The wheels of justice slowly turn - 30 January 2008
SA Home Loans wins its appeal - 31 January 2008

February 2008
Straight Talk - FAIS Ombud lambastes credit retailer - 01 February 2008
Stokes Stage - Crying over spilt milk - 01 February 2008
Featured Article - Interest rates on hold for now - 01 February 2008
Credit life industry remains problematic - 04 February 2008
Tough times ahead for consumers - 06 February 2008
Transfer delays are unacceptable - 07 January 2008
Straight Talk - Will power outages damage short-term insurers? - 07 February 2008
Stokes Stage - Simply not getting it - 07 February 200
Featured Article - New unit trust platform for financial advisers - 07 February 2008
Ombud sounds warning bell on fee disclosures - 11 February 2008
South Africa’s own credit crunch looms - 12 February 2008
Uncovering the next great price-fixing scandal - 13 February 2008
Credit card fraud on the rise in South Africa - 14 February 2008
Featured Article - The quest for perfect life and disability cover - 15 February 2008
Stokes Stage - Sometimes you have to blame yourself! - 15 February 2008
Straight Talk - Manuel unlikely to gift personal taxpayers this year - 15 February 2008
FAIS Ombud ruling: Do all your clients comply with the policy terms and conditions? - 18 February 2008
Santam shares plunge on trading update - 20 February 2008
Manuel ready for budget number 12 - 20 February 2008
How to spend R716.3 billion - 21 February 2008
Straight Talk -
Managing sick leave - 22 February 2008
Featured Article -
A closer look at professionalism in the financial services industry - 22 February 2008
Stokes Stage -
R120bn cannot buy accountability - 22 February 2008
Is there a requirement for ‘double’ disclosure? - 25 February 2008
Eskom’s woes are filtering through to the economy - 26 February 2008
Tackling motor vehicle crime head-on - 27 February 2008
Santam’s earnings dip on tougher trading conditions - 28 February 2008
Bracing for regulatory change - Featured Article - 29 February 2008
The public versus private healthcare debate - Stokes Stage - 29 February 2008
Your wish is granted! - Straight Talk - 29 February 2008

March 2008
The changing face of life industry commissions - 03 March 2008
Local housing market slams on the brakes - 04 March 2008
A decade of earnings growth - 05 March 2008
Who the national credit act really helped - 06 March 2008
Three South African’s on Forbes billionaires list - Straight Talk - 07 March 2008
The big news is not in the earnings - Featured Article - 07 March 2008
848 vacancies don’t make a skills shortage - Stokes Stage - 07 March 2008
New business volumes surge at Sanlam - 10 March 2008
Trust decision was ill considered - 11 March 2008
Another suicide shakes the investment world - 12 March 2008
A very good year - 13 March 2008
Financial services in Australia - Featured Article - 14 March 2008
100 000% inflation not enough for ‘mad’ Bob - Stokes Stage - 14 March 2008
Taxation changes to keep the multinationals happy! - Straight Talk - 14 March 2008
Global insurers take $28bn catastrophe hit - 18 March 2008
Five steps to give your practise the winning edge! - 19 March 2008
Get ready for more price inflation pressure - 20 March 2008
The danger with lower early termination values - 25 March 2008
Financial services industry extends reach - 26 March 2008
You get what you pay for – the argument for continued commission - 27 March 2008
Short-term ombudsman ‘wins’ R84m for insurance consumers - Featured Article - 28 March 2008
Everyone wants more cake - Stokes Stage - 28 March 2008
South Africa is a nation of chance takers - Straight Talk - 28 March 2008
Playing the numbers game - 31 March 2008

April 2008
Gap insurance gets the go-ahead - 01 April 2008
Policy surrenders on the rise - 02 April 2008
The craziest election ever - Stokes Stage - 03 April 2008
The first quarter madness is behind us - Featured Article - 03 April 2008
Seeking R1bn in compensation - Straight Talk - 03 April 2008
This could make Leader Guard look small - 07 April 2008
Regulators put micro-insurance under the microscope - 08 April 2008
Fidentia kingpin tracked down - 09 April 2008
Council for Medical Schemes joins the fray - 10 April 2008 
You’re going to pay either way - Stokes Stage - 11 April 2008
Can ‘21 Questions’ reveal everything about an umbrella fund? - Featured Article - 11 April 2008
Anyone out there know what a recession is? - Straight Talk - 11 April 2008
FAIS Ombud gets creative with split determination - 14 April 2008
The prime lending rate could hit 15% by half-year - 15 April 2008
Fewer complaints reach the Ombudsman for Long-Term Insurance  - 16 April 2008
The easiest collection job ever - 17 April 2008
Money market funds are back in favour - Featured Article - 18 April 2008
A closer look at the credit life investigation - Straight Talk - 18 April 2008
“We come in peace, shoot to kill” - Stokes Stage - 18 April 2008
Can the social security reforms really work? - 21 April 2008
You cannot separate credit insurance from credit - 22 April 2008
Taking insurance to the masses - 23 April 2008
Trapped in the credit blender - Straight Talk - 25 April 2008
Rage against the machine - Stokes Stage - 25 April 2008
Ten common ‘misconducts’ in credit life industry – Part I - 25 April 2008
The ‘gap’ insurance saga continues - 29 April 2008
It makes sense to save more – but - 30 April 2008

May 2008
Treasury's got more in store for you - 05 May 2008
House prices suffer another blow - 06 May 2008
Credit concerns dominate local banking environment - 07 May 2008
Business confidence tanks as oil goes to 124 dollar per barrel - 08 May 2008
Ten common ‘misconducts’ in credit life industry – Part II - Featured Article - 09 May 2008
Leave your ego at the door please - Stokes Stage - 09 May 2008
Telling it like it is – Old Mutual updates its 2008 outlook - Straight Talk - 09 May 2008
FAIS Ombud denies leave to appeal - 12 May 2008
More trouble brewing in the financial services industry - 13 May 2008
With more than 10 000 cases outstanding they’d better get busy - 14 May 2008
While you were sleeping! - Stokes Stage - 16 May 2008
Rumour and resources keep JSE investors happy - Straight Talk - 16 May 2008
So you thought ‘alpha’ was a Greek letter! - Featured Article - 16 May 2008
More progress on financial service provider licenses - 19 May 2008
Between the lines – a look at Netcare’s latest results - 20 May 2008
High Court rules partially in favour of broker - 21 May 2008
Scientific research a ‘must have’ for asset allocation - 22 May 2008
Business confidence is a tricky issue! - Featured Article - 23 May 2008
Fear and loathing in Johannesburg - Stokes Stage - 23 May 2008
Has the CMS finally got the message? - Straight Talk - 23 May 2008
Another one bites the dust - 26 May 2008
Excitement builds as the FIA Gala Awards ceremony draws near - 27 May 2008
980 Guests and a few red devils celebrate the FIA Awards - 28 May 2008
A real shocker as gross domestic product tumbles - 29 May 2008
Too many fronts in the healthcare battle - Straight Talk - 30 May 2008
The dire consequence of misdiagnosis - Stokes Stage - 30 May 2008
Is your financial services business fat? - Featured Article - 30 May 2008

June 2008
The evolving world of medical schemes administrators - 02 June 2008
Will Tito’s scare tactics work? - 03 June 2008
Unravelling short-term insurance industry results - 04 June 2008
The value of shared information - 05 June 2008
Sanlam to be tested by economic curveball - Featured Article 06 June 2008
Judge not lest you be judged - Stokes Stage - 06 June 2008
Can we afford to loose 64% of our doctors? - Staight Talk - 06 June 2008
A licence to print money - 09 June 2008
The hidden consequences of divorce - 10 June 2008
Can higher interest rates really lead to insurance fraud? - 11 June 2008
Facing up to the realities of retirement - 12 June 2008
Perfect storm brewing for personal lines - 17 June 2008
Some good advice - 18 June 2008
Everything you need to know about Employee Benefits - 19 June 2008
The ‘black diamond’ is here to stay - Featured Article - 20 June 2008
Wrap your head around these special offers - Stokes Stage - 20 June 2008
Can replacement ratios and retirement reform coexist? - Straight Talk - 20 June 2008
Balancing savings with diversity - 23 June 2008
A need for skills development and inspiration leadership - 24 June 2008
Lessons from global insurance industry challenges - 25 June 2008
More interest rate pain on the horizon - 26 June 2008
Brokers add value to the healthcare environment - 30 June 2008

July 2008
Forget the JSE – the action is in financial services industry - 01 July 2008
Interest rates finally begin to bite - 02 July 2008
Who carries the burden: The broker, the fund member or the medical scheme? - 03 July 2008
South Africa’s ultimate stats smokescreen lives to see another year - Stokes Stage - 04 July 2008
The penny drops at short-term insurer - Featured Article - 04 July 2008
Christmas in July! - Straight Talk - 04 July 2008
Is this the economic blessing we hoped for - 07 July 2008
The pitfalls of borrowing against an insurance policy - 08 July 2008
Is your product provider playing ball? - 09 July 2008
It could have been worse - 10 July 2008
The roller coaster world of insurance fraud statistics - 14 July 2008
Take cover as gold goes eyes $1 000 again - 15 July 2008
Getting to grips with the Total Expense Ratio - 16 July 2008
Adapt or die – Momentum’s Myriad is evolving - 17 July 2008
Equity turmoil erodes R10 billion in collective investment inflows - Featured Article - 18 July 2008
Will commission findings encourage banks to get their act together? - Straight Talk - 18 July 2008
A slap on the wrist would have been better punishment - Stokes Stage - 18 July 2008
A solid half year for the Fundisa Fund - 21 July 2008
SARS gets five stars; but it can be taxing! - 22 July 2008
Balancing the ingredients for a perfect financial practice - 23 July 2008
Declaring war on investment costs - 24 July 2008
Delay your savings plan at your peril - 28 July 2008
Tough choices around pension and divorce - 29 July 2008
The National Credit Regulator gets down to business - 30 July 2008
The rand is up to its old tricks - 31 July 2008

August 2008
Insurance industry negotiations getting tough! - Featured Article - 01 August 2008
Will 93 000 documents be Zuma’s undoing? - Stokes Stage - 01 August 2008
Does buy-to-let make sense when house price growth slows? - Staight Talk - 01 August 2008
Feeling the pinch - 04 August 2008
Vehicle parts make up the bulk of accident repair costs - 05 August 2008
A R121 million underwriting swing knocks profits at Mutual & Federal - 06 August 2008 Another accident waiting to happen - 07 August 2008
The problem goes deeper than Group Schemes - 11 August 2008
Welcome to home loan hell - 12 August 2008
Another so-called pyramid in the making - 13 August 2008
Another interest rate D-Day - 14 August 2008
Packing enough for your retirement - Featured Article - 15 August 2008
No news is good news – usually! - Stokes Stage - 15 August 2008
It’s time to innovate - Straight Talk - 15 August 2008
Show me the money - 18 August 2008
The Revenue Amendment Bills and Retirement - 19 August 2008
Banks ignore price warnings - 20 August 2008
Climbing the debt mountain - 21 August 2008
The “nasty” terms and conditions - 25 August 2008
Conflict of interest a global problem - 26 August 2008
Life insurers make a poor investment case - 27 August 2008
Making inroads into consumer indebtedness - 28 August 2008
Latest house sales data disappoints - Featured Article - 29 August 2009
KISS! Stripping complexity from critical illness insurance - Straight talk - 29 August 2008
Where there’s smoke, there’s fire! - Stokes Stage - 29 August 2008

September 2008
Short-term insurers face challenges head on - 01 September 2008
The Council for Medical Schemes’ seven objectives - 03 September 2008
Life business leads charge to higher profits - 04 September 2008
Household finances show slight improvement - 08 September 2008
A snapshot of the short-term insurance industry - 09 September 2008
Big changes loom for healthcare environment - 11 September 2008
A snapshot of South African private healthcare - Straight Talk - 11 September 2008
Five investment trends to bank on - Featured Article - 11 September 2008
Can government flip 25 million hectares in six years? - Stokes Stage - 11 September 2008 Make sure your Close Corporation complies - 16 September 2008
Insurance lights the way for FirstRand - 17 September 2008
US government digs deep to avert financial crisis - 23 September 2008
A can of worms: Rushed legislation affects everyone - Featured Article - 25 September 2008
You cannot build sensible policy on slush! - Stokes Stage - 25 September 2008
Five factors that can scupper the best-laid financial plans - Straight Talk - 25 September 2008
Will the medical schemes broker survive? - 29 September 2008
Never throw stones at a bear - 30 September 2008

October 2008
Staring the biggest short-term saving in the face - 01 October 2008
The quest to crush the intermediary - 02 October 2008
Fraud rife in funeral policy business - 06 October 2008
Think twice before that S14 transfer - 07 October 2008
South Africa’s financial literacy challenge - 08 October 2008
Nominal growth is better than nothing! - 09 October 2008
Some thoughts on improving financial literacy - Straight Talk - 10 October 2008
Give me tough action over tough words any day! - Stokes Stage - 10 October 2008
Seven credit crisis warnings the experts ignored - Featured Article - 10 October 2008
Short-term insurance regulation is waiting in the wings - 13 October 2008
All aboard for another round of bailouts - 15 October 2008
A hat trick of shocking economic data - 20 October 2008
Cash is back in fashion as financial turmoil spooks investors - 21 October 2008
FAIS Ombud wants centre-stage in financial services industry - 23 October 2008
Trevor does his best to sound up-beat - Straight Talk - 24 October 2008
The lighter side of higher oil prices - Stokes Stage - 24 October 2008
What does it take to run a top financial services practice? - Featured Article - 24 October 2008
National Credit Act too late for many! - 28 October 2008
A new savings vehicle for death benefits - 30 October 2008

November 2008
Innovative solutions for retirement - 05 November 2008
FAIS Ombud lambastes the good citizen warranty - 06 November 2008
The inflation tug-of-war: Oil & food versus the rand - Featured Article - 07 November 2008
Obama hooks the world’s top post; but does he really want it? - Stokes Stage - 07 November 2008
Are we in for a repeat of the 1930s style recession? - Straight Talk - 07 November 2008
Market turmoil wont get Old Mutual down - 10 November 2008
Super volatility is here to stay - 12 November 2008
New pension fund solution to combat market volatility - 13 November 2008
Delays in document processing can be costly - 17 November 2008
Take care with the advice you give regarding valuations - 18 November 2008
What every broker should know about trust owned policies - 19 November 2008
Forget market turbulence and stick to your plan! - 20 November 2008
Brace yourself for a SARS onslaught - Straight Talk - 21 November 2008
Soon we’ll all be driving Korean hatch-backs - Stokes Stage - 21 November 2008
What page is Mr Manuel reading from? - Featured Article - 21 November 2008
RAF quagmire could prove lucrative for insurers - 24 November 2008
Credit card fraud doubles as fraudsters go hi-tech - 25 November 2008
Three reasons for a Christmas rate cut - 26 November 2008
Why retirees need good returns in their first years - 27 November 2008

December 2008
Annual review of short-term policy essential - 01 December 2008
Getting tough on crime - 02 December 2008
Will the insurers ever take responsibility - 03 December 2008
Spare parts rip the heart out of short term margins - 04 December 2008
Determining value in the life assurance business- 08 December 2008
Will he or wont he? The great Christmas debate - Featured Article - 08 December 2008
The intermediary remuneration minefield - 09 December 2008
A year for preserving capital - 10 December 2008
Ruling party gets a foot in at leading bank - Stokes Stage - 12 December 2008
Confusing signals? Sanlam earnings down 86% despite satisfactory operating result - Straight Talk - 12 December 2008
Will he or wont he? The great Christmas debate - Featured Article - 12 December 2008

Quick Polls

QUESTION

Brokers are frequently credited with ‘going to war’ for their clients at claims stage. Brokers will push the insurer to get an equitable and fair outcome. Is this still the case today, or do you find that insurers are pushing back too?

ANSWER

Yes
No
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