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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

Is 30 the new 65?

ANSWER

Yes, it is becoming inevitable that retirees need to save for a 30 year time horizon when it comes to retirement
No, why change a model that has been working for many years
At least if a retiree reinvests their pot of cash compound interest will resolve the longevity problem
A E fanews magazine
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