Podcasts about lizl

I dagens afsnit af Lajlas Spirituelle Hjørne har jeg inviteret Lizl Rand ind til en snak om sorg, nærmere bestemt sorgen over at miste et kæledyr. At være sorgfuld over netop dette er for mange tabubelagt, men ikke mindst fylder sorgen hos utallige kæledyrsejere når de skal tage afsked. Men hvordan håndterer man sorgen? og hvordan hjælper man andre i sorg? Dette tager vi en snak om i denne episode. 

Hun er en ægte powerkvinde med et alenlangt CV – men Lizl Rand er ikke bange for at omfavne de tabuer livet byder på os. Hendes bog ”Kom stærk ud af din angst” er en bestseller, fordi Lizl ærligt og uden omsvøb beskriver en lammende angst, som hun tøjlede samtidig med en stressende og tilsyneladende, glamourøs, karriere.Lizl har også nogen klare råd og øvelser, noget Dorte Rømer specifikt beder om i en tid hvor vi alle har tankerne på krigen i Ukraine.Men det er ikke en trist omgang, det her. Lizls humør og energi er nemlig lige til at komme i godt humør af og vi hører også om hendes kærlighed til en tøndeformet sort labrador og daglige billeder fra hendes besøg hos en svanefamilie blev en livline for mange – og en motivation til at komme ud i naturen, med eller uden hundesnor!

Time is such an odd ingredient in the realm of wealth creation. When treated with respect, a good amount of time can be your greatest ally. When ignored, however, time can be your biggest risk. In a country with so much historical inequality, the idea of intergenerational wealth seems entirely mythical. However, a small amount of money sprinkled with a great deal of time makes building a nest egg for the next generation seem downright simple. By the same token, sleeping at the wheel creates an opportunity for inflation to eat away at real returns.  In this week's episode, we explore intergenerational wealth building strategies using two real world examples. Is this our cutest episode yet? You tell us. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Mark  I have twin girls who just turned five. I have contributed to their own respective RAs since they were eight months old. I started at R1k a month each and this contribution has increased by 10% a year. I will keep up with the annual increases for as long as possible, but I realise the contributions will become pretty large over time.  My girls have Capitec bank accounts and are registered with SARS and file tax returns. They are building up tax credits from the RA contributions in their name with SARS given they have little or no taxable income.  I realise this might not be the most tax-efficient or tax-effective option for saving for your kids and DeWet and others might disagree with it. I have outlined below why I went with this strategy over TFSA or unit trusts in their name or the plethora of additional options and combinations.  RA is with Sygnia, so it is a low-cost product, and their capital can compound tax-free over a long period 50+ years.  They can't touch it when they turn 18. I acknowledge this lack of access can be a double-edged sword given they might like it for a car, a deposit for a property, starting a business, etc. The tax credits they are building up with SARS should see them receive some decent tax refunds when they first start working which they can use for the uses as mentioned earlier or to plough into their own TFSA or back into the RA for even more tax credits. I acknowledge I am giving SARS an interest-free loan and the effect of inflation on the tax credits is a downside here. I also recognise I am losing out on the tax credit myself.  They can keep contributing to the RA's when they start working as it is already set up for them.  Having the RA, Bank A/C, EasyEquities account, and a SARS efiling profile provides an excellent financial education base when they are older.  TFSA and/or unit trust they can access when they are eighteen, and they could withdraw everything and blow it all so this strategy guards against this. Some may see this as excessive control or control from beyond the grave, and I take their point.  This RA is their inheritance which should be substantial even in today's rands by the time they can draw down on it. Some of their inheritance they get when they are younger once the tax refunds kick in from the contributions and the balance when they are older.  There are pros and cons to the above approach compared to other kids saving options but after I weighed several different approaches and strategies, I decided to go with this one for now for better or worse.  Wesley The lifetime limit is inflated periodically The scheme is abandoned to inflation The allowable limits are significantly increased (as has happened in many other countries) If the lifetime limit is not increased periodically, the TFSA scheme is abandoned to inflation and will become worthless, much like the interest income exemption has been abandoned. At a 4.5% midrange inflation target, assuming the original 30k annual contributions took 16.7 years to max out the 500k, the value of the 500k limit at that date will be around 240k in today's money for someone starting out on that future date. Those future starters will be proportionally disenfranchised from the TFSA scheme.  The time horizon from birth to earning enough to contribute to a tax-free account is 20 or 25 years. The optimal time horizon for a TFSA is much longer than that.  A child born now, six years into the TFSA scheme, starting their contributions at 25 years old would have lost 75% of the value of the original 500k limit. It's not a very valuable loss at that point. I'm assuming the lifetime limit will always increase to allow an annual contribution. If not, the best possible course of action is to get in on the ground floor on this once off opportunity before it becomes worthless. Win of the week is: Henno Feedback for Lizl, whose company wants to force her to move her brokerage accounts in-house.  “It's always important to take a closer look at the conditions of employment in your contract on the day you started. Anything that changes after that requires a process of consultation. The employer can't make changes unilaterally. The consultation process is more than an email from HR. What typically happens is HR sends an addendum to your employment contract, none of the employees query it before signing and then it's as if the consultation happened and you accepted it. I'd argue if my original employment contract didn't include anything about this, if there was no consultation process and if I didn't sign anything, they can't enforce that rule. If they want to fire me after that, I'd go to the CCMA on the grounds of an unfair dismissal.” Gerrie My employer is massively exposed if I were to abuse any potential privileged information to do some insider trading, either on my own accounts or within family accounts. The regulatory world has changed massively in recent years and fines from the FSCA can run into 100s of millions in addition to imprisoning my employer's directors. Banks and other institutions take this very seriously and would rather have too harsh restrictions on their employees than to allow anyone to abuse the system. Financial institutions force all their employees to trade under a watchful eye.  It's not fun, but I understand why.   I informed my employer's compliance team of all my and my family's accounts at EasyEquities and I told them I have no desire to move it.  Turns out the process was slick and simple.  I only buy ETFs at EasyEquities and never individual shares.  My purpose is to invest and not to trade and ETFs fall outside of the trading restrictions.  I made a declaration to that extent and the compliance team told me to happily continue doing so.  They may ask me for a statement from time to time and I'll gladly supply it, but there is no need for any ongoing burdensome process.  The entire process took me half an hour to resolve.  I made full disclosure.  They are aware of my accounts and my or may not check up later.  I have undertaken to inform them the moment I intend doing anything other than investing in ETFs.  I prepared myself for much pain that never happened.  So Lizl– my experience was that there was no need to move accounts and trigger capital gains events.  What a relief. Koketso  I started looking into my investments and was horrified that: - My EAC was sitting around 2.45%; 1.15% of which was advice fees - The general performance of my investments in the last 3 years was not great and with the 2.4% in fees I practically kept money under my mattress and all that prudence was for nothing! What I have done so far is: - Got rid of my financial advisor dropping 1.15% of fees from my EAC - stopped contributing to my RA as I have intentions to move abroad in the next 2-5 years - Moved funds from the more expensive products to a global feeder while I figure out what to do I recognise that this is not ideal, but this was a first step and one step at a time! And the questions: For my global money, I would like to invest most of my USD abroad (not using any local platforms) and in ETFs. Do you have any recommendations?  I understand that from an estate planning perspective, Switzerland recognises SA wills should anything happen Before I fired him, my financial advisor recommended two products, the first with the above in mind: the Galileo balanced fund which has fees of 2%+. I must mention here that the advisor works for Galileo so I was not 100% sold on this idea.  the nedgroup investments core global fund, details also attached For my local money, again I am all in for ETFs and would also want to look at moving away from my expensive platform. - If I wanted to say move to a cheaper provider, how do I actually do that? Would there be CGT on my unit trust and TFSA? - I am thinking the following for my ETFs TFSA: 50% ashburton 1200 ; 50% MSCI world Unit trusts:  50% - ashburton 1200, 30% satrix 40 and 20% MSCI world Retirement annuity: I won't add to this for the moment. I know there is a requirement to have a max 30% offshore holding so I'm thinking to change the makeup of my RA to: 15% ashburton 1200; 15% MSCI world and not too sure what else   Brendt  My mother is 62 years old, and will be retiring from work in Apr 2022. My parents plan to save R20k a month from now on until they retire. My mother has no retirement products apart from one RA that has a current balance of R80k. My parents want to have as much of their savings available in discretionary savings as possible. My idea was for them to pay the R20k monthly saving into my mother's RA until it reaches a balance of about R220k. Then open up another RA with a different service provider and save the remaining monthly amount to this RA.  That way my mother would have two RAs on retirement, both of which will have a balance of less than R247k, which is the lowest amount for which it is mandatory to buy a living/guaranteed annuity with. Meaning that she would be able to withdraw 100% of both RAs as a lump sum, tax free (She has yet to make use of the R500k tax free withdrawal concession), to invest in ETFs for retirement. She will be able to reduce her taxable income in the year or so that she invests the money in the RAs, without being bound to a guaranteed/living annuity and the personal income tax implications on retirement (CGT is sooo much cheaper). In effect SARS will be paying them. :)Chris Many young South Africans are drawn to the idea of working on the yachts in the Mediterannean as a way to explore the world and earn some hard currency. I spent five months as a steward, sailing from Monaco to Barcelona with plenty of glamorous stops along the way!  I managed to save some of the Euros that I earned overseas and those are in a Standard Bank Isle of Man account (earning next to no interest). I am keen to make that cash work a bit harder, so I would like to exchange it into Rands and invest it in some ETFs (a question for a later date). I have been hesitant to “just transfer” the Euros to my South African bank account until I fully understand the tax implications.  What is the most tax efficient way to get the funds from my Isle of Man account to my South African account? What is the best way to actually transfer the funds from one account to the other? Brett  My emergency fund will cover about 6-9 months of living costs. That is more than I've got invested in equities. I'd like to have much more exposure to equities to get maximum growth over the next 20 years.  How would you recommend investing such a lump sum to gain relatively high growth for cash (5-10%), while keeping it relatively low risk, and liquid? I've considered the following: FNB Money Maximiser - 3.75% interest, completely liquid. The interest rate I believe is fixed to the lending rate as it was closer to 7% a year back. It's still higher than typical liquid saving accounts. Fixed deposit or 32 day notice was not considered liquid enough. Money Market products offered the highest growth out of the products i looked at, i.e. a few percent above inflation. But the costs and fees were also the highest, and based on recent performance and inflation, the high fees largely eroded any gains.  High dividend or REITs ETFs, which seems to have a yield of about 2-5%, so very much in line with inflation. (And then some growth) Bond ETFs, like New Funds GOVI, which was about 6-7% growth based on 3-5 years.  And last is to keep it in my mortgage to reduce the interest I pay each month, at prime. So many options right? Would you recon it is best to keep the cash? Candice De Wet mentioned asking your HR department to adjust the RA contribution figure on their payslip to include the personal contributions. My payslip has been showing an R2906.75 shortfall in contributions as I have been doing my own thang.  I asked the HR department to adjust this and the difference is just over R1000 extra on my net. This will be going straight to my TFSA monthly. Lebo I currently have a tax free account with EasyEquities. I've maxed out the R36000 limit for the year and I know the lifetime limit is R500000. I was wondering once the lifetime limit is reached, can I open another tax free account and receive the R36000 tax free benefit on the new account? Basically can I start the process over with another account and effectively have a R1m lifetime limit?

Lizl Naude is a Social Entrepreneur from Cape Town, South Africa. She is the founder of Lilly Loompa, a company that creates beautiful homeware made by upcycling waste material. Lizl grew up in the valley-town of Paarl, in the Winelands of the Western Cape.  She was influenced by the natural beauty that surrounded her; the smell of the wet vineyards after a rainstorm, the purple mountains and the wide expanse of the night-sky.   She is a self taught designer and initially started designing and making furniture because she couldn’t afford to buy new pieces to furnish her home. As an Innovator, she lives by her motto: “Use what you have”, and this philosophy has led her to start a movement of converting junk into beautiful, usable products. She is also a Director of The Chosen Foundation, a Non-profit company focussing on restoring families through facilitated training and travelling. This episode contains lots of gems of wisdom about environmental care and life in general.  

rrRADIO — Hoe kan jy dit vir jou kind moontlik maak om te studeer sonder dat dit jou aftreegeld opslurp? Ons gesels ook oor goeie en slegte skuld vir jong werkendes en hoe hul leer om verantwoordelik met geld te werk. Kontakdetails Lizl Budhram hoof van advies Old Mutual www.oldmutual.co.za

rrRADIO — Sit jy en jou tiener vas oor hoeveel geld op duur klere met handelsmerke spandeer kan word? Lizl Budhram, hoof van advies by Old Mutual sê jy kan baie onmin verhoed as jy vir jou tiener ‘n kleretoelaag vir die jaar gee. So leer hul om te begroot. Kontakdetails: Lizl Budhram Hoof van Advies Old Mutual LBudhram@oldmutual.com www.oldmutual.co.za

rrRADIO — Onthou jy hoe opgewonde jy was oor jou eerste spaarbussie? En daai sakgeldjie wat soos ‘n fortuin gevoel het. Lizl Budram, hoof van advies by Old Mutual sê jy moet jong kinders van vroeg af die waarde van spaar leer om gesonde spaargewoontes te vestig. 21 sekondes. Kontakdetails: Lizl Budhram Hoof van Advies Old Mutual LBudhram@oldmutual.com www.oldmutual.co.za

Uro, lederstilling, antennebarn, elektriske ladninger - i dagens afsnit af Lajlas Spirituelle Hjørne bliver der snakket angst. Min “hemmelige” gæst og jeg har nemlig det til fælles er at vi begge haft angst, men hvordan kommer man igennem det? Det vil vi finde ud af i dagens afsnit - og husk angst er ikke farligt.

Lizl’s entrepreneurial journey is remarkable and inspiring. She started her career as a web developer and gracefully transitioned into becoming a yoga instructor (without the initial intention to teach), and a short time after, became the owner of Elevate Yoga. Lizl’s goal is to “share the connection to mind, body, and being that [she] found in yoga with anyone and everyone who seeks it. No matter where you are in your practice, [she] welcomes you with open arms and an open heart” (Elevate Yoga). There’s a new wave of more and more people being honest about the struggles, self-doubt, reservations, and challenges they face on a day-to-day basis and Lizl shares some of her experience with respect to this.

Lizl is the founder of Lilly Loompa a furniture design company which centres on telling a story through each piece of furniture they design and craft. Their “Rubbish range” is made from discarded material and re-purposed into usable items. Thus most of their designs are unique and once-off items. In this episode, Lizl shares some insight on what has kept her committed to her business even after a decade. We also discuss the impact of technology on the design and crafts industry plus a few tips on how to make it in this type of business.

Det tog kun Lizl Rand tre måneder at skrive sin første bog 'Kom stærk ud af din angst', der blev en bestseller. Hun lagde en stram plan og trak på sin erfaring som journalist, redaktør og menneske. Hendes seneste bog 'Tæt på krise og sygdom' har taget længere tid at skrive og krævet mere research, og hun fortæller her om de forskellige processer og om, hvor vigtig struktur, selvdisciplin og at skabe sig et 'helle' er for at komme i mål.  Lizl er psykoterapeut, foredragsholder og forfatter, og hun har omlagt sit arbejdsliv for at give plads til skrivningen. Hør om at gøre det, der skal til, for at få skrevet i en travl hverdag. Myter, der bliver aflivet i løbet af samtalen: 1. En journalist og forfatter er sådan en, der fik høje karakterer i diktat i folkeskolen. 2. Man skal være inspireret for at skrive. 3. Det er romantisk og glamourøst at være forfatter.  Velkommen til. Dejligt du lytter med.   

I denne episode møder vi Lizl Rand, som har oplevet at være succesfuld karrierekvinde med topposter indenfor mediebranchen, men gennem 10 år levede med en indre angst, som hun ikke viste til omverdenen. En angst, der var stressudløst og tvang Lizl til at overveje hvad der var vigtigst for hende og hvordan hun bedst kunne passe på sig selv og finde mening i en svær periode i hendes liv. Lizl fortæller i dette interview om sin personlige historie, om som barn ikke at være i kontakt med sig selv, at føle sig forkert, ensom, ikke værd at elske og at hun ikke har haft en eksistensberettigelse. Lizl har derfor søgt at aflæse sine omgivelser og sikre at folk omkring hende var glade, gøre alt det rigtige og være "verdens bedste datter", med konsekvensen at hun ikke lærte at tage vare på sine egne behov. Lizl fortæller hvordan det har været med til at præge hende til at træffe sine valg op gennem livet, herunder at forfølge den karrierevej hun har taget, samt hvordan det har været at føle sig bange indeni, erkende ens udfordringer og til sidst arbejde sig gennem angsten og komme stærk ud af den igen - for så i dag ikke længere at have angst. Denne rejse har ført Lizl frem til at stoppe i mediebranchen, gennem ca. 20 år – de sidste tolv som leder – bl.a. som chefredaktør på magasinerne Q, Tidens Kvinder og Psykologi - for at kunne være mere sammen med sin hund og naturen, samt få mere tid til at skrive bøger. Hun har allerede haft stor succes med sin bestseller ’Kom stærk du af din angst’. Lizl arbejder i dag, blandt andet, for at udbrede viden om angst og brænder for at normalisere menneskers indtryk af dem selv og at de ikke er forkerte, samt nedbryde tabuerne omkring psykiske lidelser. Hun har som rød tråd i livet haft en naturlig interesse i at flytte og motivere mennesker og støtte dem i at se og finde sine egne ressourcer og ændre deres mentale overbevisninger. Lizl Rand underviser og coacher i dag både mænd og kvinder, primært indenfor stress, angst og/eller depression. Hun holder oplæg om stress, angst, selvværd, sygdomsindsigt, psykiske sygdomme, om at være pårørende, personlig branding, sociale kompetencer og kommunikation. Hun er udover at være uddannet journalist og psykoterapeut også instruktør i psykisk førstehjælp ved Psykiatrifonden. Du kan også læse mere information om Lizl Rand på www.lizlrand.com. En stor tak til min gæst i denne episode for at ville dele og tusind tak til dig, der lytter med. DET FORUNDERLIGE: Når du stamper sand op fra havbunden, livet er pauserne mellem lussingerne, de sære snegle i buskadset, en gave du ikke kan bytte, når de mørke briller bliver lysere, at være lige efter bogen, overlevelsessafari efter letmælk, angrib supermarkedet, 10.000 løver og en safaribus. SPILLETID: 1 time 29 minutter 07 sekunder

At ligne en succesn udenpå og være bange indeni En podcast om at lige en succes udenpå og være bange indeni. Denne podcast er fuld af gode råd til dig der har angst. Lizl Rand har i 10 år haft angst og kæmpede dagligt med at passe sit studie og senere sit arbejde imens angsten rasende i kroppen.