Podcast appearances and mentions of maya fisher french

In this episode of "Know Your Ombud," host Maya Fisher-French speaks to Howard Gabriels, the head Ombud for credit, to unpack consumer rights when it comes to taking out credit. This episode aims to empower listeners by clarifying the roles of various Ombud schemes, including the National Financial Ombud, and the importance of lodging complaints against financial institutions. Maya and Howard delve into the types of complaints handled by the credit division, which encompasses a wide range of credit providers, from retailers to micro lenders. They discuss the critical issue of reckless lending, highlighting how consumers can seek recourse if they believe they have been treated unfairly. Howard shares insights from real cases, illustrating how the Ombud intervenes to resolve disputes and improve industry practices. This includes a case study on the abuse of value-add services which are often added to retail store accounts and how this can escalate a customer's debt. This case led to a major policy change for a retailer, ultimately benefiting thousands of consumers. It also highlights the importance of checking statements and understanding the implications of credit agreements. The episode also addresses the responsibilities that come with borrowing money, reminding consumers of the importance of communication with credit providers during financial difficulties. Maya and Howard stress that while consumers have rights, they also have obligations that must be honoured to maintain a healthy relationship with credit providers. Join Maya and Howard as they navigate the intricacies of credit complaints and the vital role the Ombud plays in protecting consumer rights. Remember, the Ombud service is free and accessible, providing an essential resource for those feeling underserved by financial institutions.   If you feel let down by a financial service provider, you can contact the appropriate ombud scheme via the links below: FAIS Ombud: Disputes related to financial advice Office of the Pension Funds Adjudicator (OPFA): Disputes related to pension funds JSE Ombud: Disputes related to the JSE National Financial Ombud Scheme (NFO): Disputes related to banking, credit, and insurance This podcast series was created in partnership with The Ombud Council.

In this episode of "Know Your Ombud," host Maya Fisher-French chats to Nerosha Maseti , the lead Ombud for banking services at the National Financial Ombud (NFO). This episode aims to empower consumers by shedding light on their rights and the processes involved in lodging complaints against financial institutions. Maya and Nerosha discuss the common grievances that consumers have with banks, particularly focusing on the importance of understanding when to escalate issues to the Ombud after attempting to resolve them directly with their bank. They clarify the distinctions between banking complaints and credit-related issues.  Listeners will gain valuable insights into how the Ombud investigates cases, including those involving interest calculations and reckless lending. Nerosha shares real-life examples, illustrating the rigorous processes that the Ombud employs to ensure fairness and transparency in resolving disputes. The episode also delves into the complexities of banking fraud cases, discussing the responsibilities of both consumers and banks when it comes to digital security. Nerosha emphasizes the importance of safeguarding personal banking information and the potential consequences of negligence in this area. Join Maya and Nerosha as they demystify the Ombud's role, encouraging consumers to take charge of their financial rights and seek help when needed. Remember, the Ombud is a free service designed to assist you in resolving financial disputes, so don't hesitate to reach out if you feel you've been treated unfairly! If you feel let down by a financial provider, contact one of these trusted schemes:   FAIS Ombud for financial advice disputes – faisombud.co.za Office of the Pension Funds Adjudicator (OPFA) for pension fund related disputes: pfa.org.za JSE Ombud for JSE-related issues: jse.co.za National Financial Ombud Scheme (NFO) for banking, credit, and insurance: nfosa.co.za   This series was created in partnership with The Ombud Council.

Know your Ombud is a series of conversations aimed at helping consumers of financial services understand their rights and where to go if they are not treated fairly.  In this episode of "Know Your Ombud," host Maya Fisher-French sits down with Reana Steyn, the head Ombud and CEO of the amalgamated National Financial Ombud (NFO), to discuss the significant changes in the financial Ombud landscape following the establishment of the National Financial Ombud Scheme. Reana shares insights on how this new single scheme aims to simplify the process for consumers, consolidating four previously separate Ombud schemes into one streamlined organisation.  Listeners will learn about the various types of complaints that can be addressed by the Ombud, the importance of initiating a complaint with the financial institution first, and the critical role of the Ombud in resolving disputes effectively. Reana emphasises that the Ombud service is free of charge, providing consumers with access to legal expertise without the need for costly lawyers.  The conversation also touches on the fairness jurisdiction of the Ombud, which allows for a broader interpretation of consumer rights beyond just the legal contract. Reana explains how the Ombud can advocate for systemic changes within financial institutions, ensuring that consumer interests are protected and that unfair practices are addressed.  Join Maya and Reana as they delve into the workings of the Ombud system, encouraging listeners to utilise this invaluable resource for resolving financial disputes and advocating for their rights. Remember, the Ombud is here to help you, so don't hesitate to reach out if you have a complaint! If you feel let down by a financial provider, contact one of these trusted schemes:   Ombud for Financial Services Providers (FAIS) for financial advice disputes:  faisombud.co.za Office of the Pension Funds Adjudicator (OPFA) for pension fund related disputes: pfa.org.za JSE Ombud for JSE-related issues: jse.co.za National Financial Ombud Scheme (NFO) for banking, credit, and insurance: nfosa.co.za  This series was created in partnership with The Ombud Council.

For more information on Maya Fisher-French and some very insightful thoughts on finance check out - https://mayaonmoney.co.za/See omnystudio.com/listener for privacy information.

This show originally aired on Wednesday, 30 April 2025. Catch The Flash Drive with Carl Wastie, weekdays 3 - 7pm only on Kfm 94.5!See omnystudio.com/listener for privacy information.

In the latest episode of our podcast, host Maya Fisher French engages in an open and honest discussion about insurance, particularly focusing on long-term insurance and the often-overlooked area of employee benefits. Joined by certified financial planners Bryan Nicol and Johann Peens, the episode dives deep into the complexities of insurance coverage, highlighting the importance of understanding what you have vs what you actually need. Most people have some form of long-term insurance, even if it is just through their company, but few understand what it covers and whether it is the right type of insurance for their needs. Are you over-insured? Does your company provide life insurance and how does that work?  Do you understand your premium pattern? Are you going to be able to afford your premiums in ten years' time? Listen to this podcast, where we explain how insurance works and the right questions you should ask your employer and your financial adviser. 

In this episode of "My Money, My Lifestyle," host Maya Fisher-French welcomes tax expert Andre Bothma to discuss the implications of recent tax proposals on personal finances as the new tax year begins.  Maya and Andre explore the concept of fiscal drag, where taxpayers find themselves paying more due to the lack of inflation adjustments in tax tables. They clarify common misconceptions about salary increases and tax brackets, emphasizing that the tax implication of earning more should not stop you from taking a salary increase. The conversation also touches on existing wealth taxes in South Africa, the impact of capital gains tax, and the notion that middle-class individuals often bear the brunt of tax burdens. Listeners will gain insights into the complexities of tax compliance, the importance of making informed financial decisions without letting tax implications dictate choices, and the potential consequences of not adapting tax legislation to accommodate the growing self-employed and freelance workforce. Join Maya and Andre as they unpack these pressing financial topics, providing listeners with valuable information to navigate their personal tax situations effectively.

In this episode of "My Money, My Lifestyle," host Maya Fisher-French engages in a deep dive into the complexities of the national budget and its implications for taxpayers with Chris Axelson, the acting head of tax and financial sector policy at National Treasury. As the government navigates the contentious landscape of tax collection, Axelson sheds light on the recent adjustments to the budget, including a shift from an ambitious VAT increase to more modest measures aimed at generating 28 billion rand in revenue. They explore the delicate balance between raising taxes and maintaining economic growth. They discuss the implications of various tax instruments, such as personal income tax, corporate tax, and VAT, and how these decisions are made amidst pressures from both revenue needs and household impacts. Axelson explains the concept of fiscal drag and how it effectively raises personal taxes without changing rates, often leaving taxpayers unaware of the increase.   Listeners will gain insights into the priorities for the additional tax revenue, including funding for essential services such as education and healthcare, as well as the challenges of addressing corruption and inefficiencies within government spending. Chris also addresses the importance of tax compliance and the role of SARS in improving revenue collection.   Join Maya and Chris Axelson as they unpack these critical financial topics, providing listeners with a clearer understanding of how budget decisions affect their wallets and the broader economy.   1. Overview of the national budget and tax implications 2. The shift from VAT increase to alternative revenue measures 3. Understanding fiscal drag and its impact on personal taxes 4. Balancing tax increases with economic growth 5. Priorities for additional tax revenue allocation 6. The role of SARS in improving tax compliance 7. The complexities of government spending reviews  This podcast is in partnership with National Treasury.

John Maytham is joined by renowned finance journalist Maya Fisher-French to unpack the impact of the latest national budget on South African households. See omnystudio.com/listener for privacy information.

Financial journalist Maya Fisher-French talks about the 2025 budget. This conversation originally aired on 12 March 2025.See omnystudio.com/listener for privacy information.

In this episode of "My Money, My Lifestyle," Maya Fisher-French has a thought-provoking discussion with financial expert Hugh Hacking of Momentum Corporate about the recent interest rate cuts and their implications for retirees and investors.  With prime rates dropping from 11.75% to 11%, the conversation unpacks how these changes affect both life and living annuities. This episode explains how annuities work, how interest rates influence their pricing and attractiveness as well as the differences between life and living annuities.  Listeners will gain insights into the balance between guaranteed income and the risks associated with living annuities, including the potential for running out of funds during retirement. The episode also highlights the importance of blending different annuity types to create a sustainable retirement income strategy. Hugh shares practical advice on how retirees can optimize their portfolios, manage costs, and ensure they have enough resources to cover unexpected expenses. Join Maya and Hugh as they unpack these critical financial concepts, providing listeners with the knowledge to make informed decisions about their retirement planning. Overview of recent interest rate cuts and their impact on retirement planning Understanding life annuities vs. living annuities How bond rates affect annuity pricing The risks and benefits of living annuities Strategies for blending annuities for a sustainable income Importance of cost management in retirement planning Final thoughts on securing financial stability in retirement

In this episode of "My Money, My Lifestyle," host Maya Fisher French interviews Adrian Hope-Bailie, founder of Fynbos Money, a new investment platform designed to simplify and reduce the costs of investing.  Adrian shares his journey of creating a platform that addresses the common question: "Where do I start investing?"  With countless unit trusts and investment options available, it is unsurprising that people feel overwhelmed by choice. The need to simplify choice and administration motivated Adrian to create Fynbos Money, which focuses on emergency and tax-free savings accounts.  The key behind the Fynbos Money model is that it allows users to set up a single debit order that allocates funds to various savings and investment goals, users can focus on their financial future without the stress of managing multiple accounts.   Listen to the full podcast, where Maya asks Adrian deeper questions about who is behind Fynbos Money, how they keep investors' funds safe, how they select funds, and their future plans.  1. Introduction to Fynbos Money and its mission 2. The common question: Where to start investing? 3. Importance of emergency funds and tax-free savings accounts 4. Unique features of Fynbos Money: automation and goal tracking 5. Understanding fees and the subscription model 6. Fund selection and investment safety 7. Empowering users for financial wellness   Fynbos Money sponsored this podcast  

In this episode of "My Money, My Lifestyle," host Maya Fisher French chats about side hustles with Willem Gous, author of "Side Hustle Success." With nearly half of employed South Africans engaging in side businesses, the conversation explores practical strategies for starting a side hustle on a shoestring budget without significant risk. Maya and Willem discuss the importance of testing business ideas quickly, emphasizing that waiting for funding or a perfect plan can stall progress. Willem shares insights from his book, highlighting that potential entrepreneurs should leverage their existing resources and focus on understanding customer needs rather than getting bogged down in traditional business planning. Listeners will learn about the significance of setting time limits for their side hustles, the value of starting small, and the power of listening to customers to identify viable business ideas. Willem offers practical examples, including how one woman turned her baking hobby into a thriving business without the need for initial funding and how to start a clothing brand without owning stock. The episode also addresses the psychological barriers that often hold aspiring entrepreneurs back and provides actionable advice on overcoming these challenges. The bottom line is that if ​you ​can't ​start ​your ​business ​in ​five ​minutes, ​​you may ​need ​to ​move ​on ​to ​a ​different ​business. Join Maya and Willem as they demystify the side hustle journey, encouraging listeners to take action, embrace experimentation, and ultimately, find financial freedom through entrepreneurship. 

Why are so many people who earn a good income, who would be considered high-net-worth individuals, struggling with debt? We all believe if we earned a bit more, our financial issues would disappear, yet this appears not to be the case. In this episode of "My Money, My Lifestyle," host Maya Fisher French is joined by certified financial planner Johan Werth to understand why so many high-net-worth individuals are struggling with debt. With debt levels rising faster among higher-income earners than their lower-income counterparts, Maya and Johan unpack whether this is a financial or behavioural issue and what steps can be taken to address it. Johan shares his insights into the lifestyle inflation that often accompanies increased earnings, leading many to live beyond their means despite substantial incomes. They discuss the impact of rising living costs, the temptation of easy credit, and the societal pressures to maintain a certain lifestyle. Maya and Johan emphasize the importance of financial literacy, tracking expenses, and the critical need for a financial plan to avoid the debt trap. Listeners are encouraged to reflect on their own financial habits, consider the long-term effects of lifestyle creep, and take proactive steps to build a sustainable financial future. Johan offers practical advice on budgeting, understanding personal inflation, and the significance of starting to save early, even with small amounts. This episode offers insights into how individuals, regardless of their income level, can break the debt cycle and achieve financial stability. Tune in to discover how you can take control of your financial destiny and make informed decisions that align with your life goals.   ✍️ Episode References   Debt Busters: https://www.debtbusters.co.za/ City Press Money Makeover

To kickstart 2025 with financial wisdom Maya Fisher French sits down with Fulu Mashapha, author of "Mind Your Cents: A Practical Approach to Financial Freedom."  Fulu wrote her book based on her experiences of money as a young child and as a graduate starting her career. In this podcast Fulu shares with Maya her journey from university to becoming a financially savvy actuary and her experiences of navigating the world of finance as a young professional. From understanding the diverse personalities money can take on to the importance of managing your finances no matter your income level, Fulu's experiences offer relatable and actionable advice for young professionals. Fulu recounts her first year of work, the unexpected costs of adulting, and the reality of lifestyle inflation. Learn about the critical steps she took before buying her first car and property, and how she navigated the pitfalls and challenges of property investment. Fulu also sheds light on her investment strategy, balancing between professional management and personal experimentation, and the importance of long-term planning.  Whether you're just starting out in your career or looking to refine your financial strategy, Fulu's story is a testament to the power of informed decision-making and financial literacy. Tune in to gain invaluable insights and start your year on the right financial foot. You can purchase Fulu's book Mind Your Cents by clicking here: https://mashelenigroup.co.za/product/mind-your-cents/ 

John Maytham and Maya Fisher-French they explore the key differences between turning to an Ombudsman or hiring a lawyer for resolving disputes.See omnystudio.com/listener for privacy information.

Join hosts Maya Fisher French and Mapalo Maku in this special episode as they reflect on the incredible journey of Santam staff members who participated in the six-month Santam Insure Your Future Money Bootcamp. This transformative experience culminated in a final event that celebrated the courageous individuals who opened up their financial lives to scrutiny, embraced change, and achieved remarkable personal growth. The episode shares the mentees' powerful testimonials about their newfound financial empowerment. Discover how the bootcamp helped them overcome fears and shame around money, leading to improved financial literacy and self-discovery. Participants learned to read the fine print, question financial entities, and understand the implications of their financial choices. This newfound confidence allowed them to have open conversations about money, not just with themselves but also with their families, breaking cycles of poverty and setting a positive example for their children. Throughout the episode, Maya and Mapolo share invaluable tips and insights from the bootcamp, including the significance of reviewing bank statements, managing subscriptions, and understanding debt statements. The episode also addresses the psychological aspects of money management, encouraging a positive mindset and intentional financial planning. Join us in this episode to learn how you can transform your financial mindset, gain control over your money, and embark on your journey to financial empowerment. Listen now and be inspired by the incredible stories of those who have taken charge of their financial futures.

John Maytham speaks to Financial Journalist Maya Fisher-French about the alarming rise of fraud involving stolen credit cards used to pay for Facebook ads. Fisher-French shares her personal experience as a victim, explaining how a global syndicate leverages fake ads to lure consumers into scams while stealing card informationSee omnystudio.com/listener for privacy information.

This evening we look at the markets with Sasfin Wealth, speak to Tiger Brands about its results, analyst Peter Major discusses issues around Transnet forcing the private sector to find alternative logistics solutions, Maya Fisher-French joins us to discuss a new scam on the rise featuring fraudulent Facebook charges, and in our Executive Lounge segment, we speak to Burstone Group CEO Andrew Wooler about how he got into the investment space and finding work-life balance. SAfm Market Update - Podcasts and live stream

The Psychology of Financial Decisions In this episode of the "My Money, My Lifestyle" podcast, host Maya Fisher French chats to Rudolph Geldenhuys, the Financial Planner of the Year, about the psychology behind financial decision-making. They discuss the importance of understanding the 'why' behind one's financial actions. Rudolph, who has been in the financial services industry for over a decade, shares his journey of overcoming imposter syndrome and embracing his calling to help people make better financial decisions. His insights shed light on the fact that while technical, financial planning is crucial, the emotional and psychological aspects are equally significant.  We look at real-life scenarios, such as the emotional choice of withdrawing retirement funds for immediate desires and the need for a balanced approach to financial planning that considers both short-term and long-term consequences. Listeners are encouraged to reflect on their financial motivations and the trade-offs they are willing to make. Rudolph introduces the concept of the 'decision-free zone,' a framework to help people categorise their financial decisions based on urgency and impact. This practical advice empowers listeners to manage their resources—time, money, and energy—more effectively. The episode also explores the universal question of financial security: "Am I going to be okay?" Rudolph emphasises addressing this concern by aligning financial decisions with personal values and life goals. He advocates for a holistic approach to financial planning that goes beyond numbers, focusing on the human element and the pursuit of a meaningful life. Whether you're facing retirement, contemplating a major purchase, or simply seeking to improve your financial well-being, this episode offers valuable insights and actionable advice. Tune in to gain a deeper understanding of the psychology of money and learn how to make decisions that truly serve your best interests.

Maya Fisher- French joins John Maytham to discuss how Matric dances in South Africa and how it has evolved into grand and glamorous affairs – The point is, are extravagant Matric dances putting parents into debt?See omnystudio.com/listener for privacy information.

Welcome to the Santam Insure Your Future Money Bootcamp with Maya Fisher-French and Mapalo Makhu. This series is designed to guide you through essential financial topics, helping you make informed decisions for a secure future.  In our previous episodes we have spoken about building wealth, but what about succession and building intergenerational wealth? How do you protect your family but also transfer wealth to future generations? We are joined by Moremadi Mabule, a fiduciary expert, to explore the complexities of wills, estate planning, and the often-overlooked aspect of tax implications upon death.  Estate planning is not just for the wealthy; it's about ensuring that your accumulated wealth is passed on to future generations.  In writing up a will and planning your estate you also need to look at issues such as estate duty, and the impact of executor fees, which can be as much as 4% of your entire estate. Moremadi explains how to navigate these costs and the strategies you can employ to minimise them, such as negotiating executor fees and planning for tax implications.  The episode also covers the importance of keeping your retirement fund nomination forms up to date, as well as understanding how retirement benefits are treated differently from other assets in your estate. We explore the concept of testamentary trusts and beneficiary funds, which can protect your children's inheritance and ensure it is used as intended. Moreover, we touch on the sensitive topic of selecting a guardian for your children and how to structure your will to safeguard their future financially. The discussion extends to the importance of having a living will and the role it plays in making your wishes known should you become incapacitated. Join us for this insightful episode as we uncover the steps you can take to secure your legacy and ensure your wealth benefits those you care about most.

Welcome to the Santam Insure Your Future Money Bootcamp with Maya Fisher-French and Mapalo Makhu. This series is designed to guide you through essential financial topics, helping you make informed decisions for a secure future. In this episode, we delve into the intricacies of retirement planning with Johann Steyn, a certified financial planner at Rainmaker Bluestar by Sanlam. As one approaches retirement, the need for strategic financial planning becomes critical – not only to understand your financial position, but also to maximize your tax options. Johann shares insights on how to prepare for retirement, whether you're five years away or just a year before. He emphasises the importance of setting realistic expectations, understanding legislative options, and the purchasing power of your money. One of the critical discussions revolves around having a retirement budget and the importance of eliminating debt before retiring. Johann advises on the significance of understanding your expenses and what you would need to do if you planned on retiring early. The conversation also touches on the misconceptions surrounding lump sums vs income and the reality of life expectancy. The episode further explores the different retirement products available, such as living annuities and life annuities, discussing when each is appropriate. Johann highlights the benefits and risks associated with these products, including market volatility and the potential for a hybrid approach. The importance of maintaining a medical scheme in retirement is also discussed, considering the high inflation rate of medical expenses. In the podcast we also discuss the role of tax-free savings accounts as a supplement for retirement, offering insights into how they can be strategically used to provide tax-free income later in life. Join us for a comprehensive discussion on retirement planning, ensuring you have the knowledge to maintain your dignity and independence in your golden years.

Maya Fisher-French, financial journalist weighs in on the high fees associated with depositing cash at a branch versus using an ATM. See omnystudio.com/listener for privacy information.

Welcome to the Santam Insure your Future money boot camp with Maya Fisher-French and Mapalo Makhu.  In the last two episodes we looked at saving and investing for those goals we want to achieve during our working years. But at some point, we want to kick back and retire, or at least have choices about whether we want to continue to work or not.  One of the massive challenges of retirement funding is that we are living way past our retirement age. Some companies have a retirement age of 60 and given that many people are expected to live to nearly 90 years old – that is 30 years of retirement you need to fund. There are only really two ways to do this: either you start from your first paycheque and put away about 18% of your salary, or you defer retirement to age 65. But even then, you probably need to be putting away at least 15% of your salary from the age of 25 to be able to retire comfortably. Most people find they must supplement their retirement income in some way and next episode we will look at more detail around strategies at retirement, but in this podcast we discuss “how much is enough”, the importance of settling debt before retirement, how to go about investing for retirement and the various investment products.  In this podcast we also explain the implementation of the Two Pot retirement system and how that is going to affect retirement outcomes.

Welcome to the Santam Insure Your Future Money Bootcamp with Maya Fisher-French and Mapalo Makhu. This series is designed to guide you through essential financial topics, helping you make informed decisions for a secure future.  Last episode we focused on saving for shorter-term goals, but what about those medium to longer-term goals like your child's tertiary education in ten years or time, or leaving your child a legacy? Maybe you want to start your own business one day? How do you start? The episode begins with the importance of setting clear and achievable financial goals, providing a practical example of calculating future education costs, illustrating how inflation can significantly impact the amount you need to save. One of the key takeaways is the distinction between interest and growth. While interest is a guaranteed return from a bank, growth involves investing in assets that increase in value over time. They highlight the benefits of investing in unit trusts and exchange-traded funds (ETFs) as effective ways to achieve capital growth. A significant portion of the episode is dedicated to the advantages of tax-free savings accounts (TFSAs). Introduced in 2015, TFSAs offer a tax-efficient way to save and invest. Maya and Mapalo explain how TFSAs can be used for various financial goals, including saving for your child's education and supplementing your retirement fund. They stress the importance of viewing TFSAs as long-term investment vehicles rather than regular savings accounts. The hosts also explore the opportunities and benefits of investing offshore. They discuss how local funds can invest on your behalf overseas, providing exposure to global markets. For those looking to build assets outside South Africa, they recommend starting with local companies that offer offshore investment products. Maya and Mapalo caution against the use of endowment products for education savings. They argue that these products often come with high fees and tax implications that may not be beneficial for most investors. Instead, they advocate for simple, low-cost investment options like TFSAs and unit trusts. Join Maya and Mapalo for an enlightening discussion that will help you secure your financial future.

Welcome to the Santam Insure Your Future Money Bootcamp with Maya Fisher-French and Mapalo Makhu. This series is designed to guide you through essential financial topics, helping you make informed decisions for a secure future.  In this episode we help listeners give up the debt dependency by having a savings plan. We look at why we save and what goals we should be saving towards. We also delve into the concept of an emergency fund—why it's essential and how to build it. Contrary to popular belief, a credit card is not an emergency fund!  We discuss practical strategies for setting up an emergency fund and the benefits of having a financial cushion for unexpected expenses. We look at the different type of accounts to use for your emergency fund and debate whether you should use your mortgage as part of your financial buffer.  We explain how to save for school fees and those daily school expenses as well as how to help your parents build a home without taking on debt. By anticipating these costs and saving in advance, you can avoid the stress of last-minute financial scrambles.

As we mark National Wills Week, there's no better time to address the importance of having a properly drafted will.  In the latest episode of our podcast, Maya Fisher-French sits down with Deenisha Nadesan, Executive Director of Estates at Capital Legacy, to discuss the common pitfalls people encounter when drafting their wills and how to avoid them.  This is not just a matter of legal formalities; it's about ensuring that your hard-earned assets are distributed according to your wishes, thus preventing family disputes and financial ruin.  Marriage contracts are a significant area of concern. Many people don't understand how their marriage contract affects their will.  Misunderstandings here can lead to complications and unintended consequences, such as one spouse inadvertently receiving more than intended. Another critical issue is the witnessing of wills.  According to Nadesan, a will must be signed by the testator and witnessed by two competent witnesses who are present simultaneously. These witnesses cannot be beneficiaries or their spouses, a detail that often trips people up and can render a will invalid. Property inheritance is another complex area. Many people wish to leave their property to their children but don't consider the practicalities. For example, minors can technically own property, but they can't manage it. This can be solved by setting up a testamentary trust to manage the property until the child is of age. Additionally, if a property is left to multiple children, it can lead to disputes over maintenance costs, selling decisions, and more.  Then there's the matter of pensions. Many mistakenly believe their pension forms part of their will. However, pensions are governed by the Pension Funds Act, and the trustees of the pension fund make the final decision on who benefits. This underscores the importance of understanding what assets fall under your will and which do not.  The costs of winding up an estate can also be eye-watering. From executor fees to estate duty and even capital gains tax, the financial burden can be significant. Therefore, it's essential to ensure there's enough liquidity in your estate to cover these costs, either through life cover or other means.  In conclusion, while free wills or DIY templates might seem like a quick fix, they often lead to more problems than they solve. Consulting with a fiduciary expert can save your family a lot of heartache and financial strain. As Nadesan aptly put it, “What's worse than having no will is having a will that's not properly drafted.” So, take this National Wills Week as an opportunity to get your affairs in order. Your future self—and your family—will thank you. This podcast was sponsored by Capital Legacy.

Welcome to Life Behind the Numbers, a Discovery Life podcast series where we delve into the trends driving insurance claims and explore how this data can help us improve health outcomes. In this episode of Life Behind the Numbers, host Maya Fisher-French speaks with Gareth Friedlander, Deputy Chief Executive of Discovery Life, and Daniel Stoch, Senior Manager of Market Analytics and R&D. They delve into Discovery Life's shared value insurance model, discussing how it benefits members by promoting healthier lifestyles and offering financial rewards. They also explore the sustainability of the model, the proactive claims initiative, and how life cover can supplement retirement savings. Tune in to learn how comprehensive life insurance can protect you and adapt to your changing needs. This podcast series was sponsored by Discovery Life

Financial consumer journalist Maya Fisher French weighs in on the start of the two-pot system withdrawal process which saw retirement fund administrators facing a frenzy of withdrawals on the first day.See omnystudio.com/listener for privacy information.

Pippa speaks to financial journalist Maya Fischer French about store cards and she shares tips on how to manage them responsibly.See omnystudio.com/listener for privacy information.

In this episode, Motheo Khoaripe dives deep into the financial dynamics that can make or break a relationship. Joined by financial consumer journalist, Maya Fisher-French and seasoned Investec financial advisor, Kgomotso Motloung, they explore how couples can navigate the often challenging conversations around money, financial planning, and shared goals. #RelationshipGoals #MoneyMatters #FinancialPlanning Tags: Relationships, Money Management, Financial Planning, Couples Finance, Podcast, Investec, Financial Wellness, Wealth Building Key Moments: 00:00 Introduction 01:00 How different financial values and goals can impact a relationship 02:38 Tips to identify the financial habits of a partner early in a relationship 03:59 What about your partner's finances should you know upfront 06:46 The significance of marital regimes and their financial implications 10:06 Planning for unexpected life events like disability or retirement 12:19 Strategies for saving for children's education without compromising other financial goals 18:15 Why it is important to consistently review your financial plans 19:02 The value of having a financial adviser: when you have extra cash/bonus/salary increase 20:03 Planning for death 22:33 Don't be nervous about approaching a financial adviser 23:44 What are the warning signs that indicate you are not consulting the right financial adviser? This episode is a must-listen for couples at any stage in their relationship, offering actionable guidance to strengthen their financial partnership while navigating the complexities of shared finances. Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. Investec Focus Radio SA

31.07.24 Pt 2 - DJ Warras pops in to help the team solve all the world's problems. Maya Fisher-French then joins the show to help us understand why medical schemes cost so much. The Real Network

Maya Fisher-French, a renowned financial consumer journalist, joins John Maytham on the Afternoon Drive show to delve further into these developments. She will provide valuable insights into what members should be aware of regarding fees and tax implications when considering withdrawals from their savings pot.See omnystudio.com/listener for privacy information.

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. In this episode leading financial consumer journalist, Maya Fisher-French and seasoned Investec financial advisor, Kgomotso Motloung are back and they dive deep into the world of debt management, offering invaluable insights and practical tips to help you pay off debt and start saving for a brighter financial future. Don't miss out on this episode packed with real-life examples. Whether you're a young professional or a seasoned investor, this podcast will equip you with the knowledge and tools to manage your debt effectively and pave the way toward financial freedom. Tune in now and take the first step towards a brighter financial future! Skip ahead 00:00 Introduction 01:03 What is debt? 02:37 Defining wants vs needs 04:39 The importance of an emergency fund 06:26 Getting yourself out of debt 08:39 How do you deal with extra money while you are in debt? 09:49 The importance of negotiating better interest rates 11:47 Personal loans 14:40 What you qualify for vs what you can afford 17:09 How credit scores work 20:38 The pros and cons of debt consolidation 23:30 Paying off debt vs saving 25:38 What is a survival budget and how does it work? You may be interested in: LifeStarter by Investec Life The life you're working towards is anything but ordinary, that's why we've designed extraordinary life insurance solutions to help you protect it. But we understand that managing competing responsibilities and financial pressures can feel like a balancing act. So, we've developed a product to kickstart your life insurance journey with us. Introducing LifeStarter by Investec Life. A complimentary life insurance package, made for you. LifeStarter by Investec Life · Investec Focus Radio

Pippa Hudson speaks to financial journalist Maya Fisher-French, of Maya on Money to understand how to wisely use credit cards, including looking at how to optimize your use of the interest-free period. See omnystudio.com/listener for privacy information.

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. In this episode, we dive into budgeting and discuss how to manage your money better. Our expert guests, seasoned Investec financial advisor Kgomotso Motlaung and leading financial consumer journalist Maya Fisher-French, share their insights on budgeting and offer practical tips to help you take control of your finances. Whether you're just starting out or looking to improve your budgeting skills, this episode will provide the guidance you need to achieve your financial goals. Tune in now and start making every penny count! Skip ahead 00: 00 Introduction 01:12 Maya's budgeting story 03:12 Why is budgeting important to your financial wellness? 04:11 What are the characteristics of a good budget? 07:27 How important is discipline? 09:56 How important is having conversations with your family about your budget? 13:46 What portion of your income must you set aside to save? 15:49 How does your life stage determine your budget? 17:52 How can budgeting tools assist you? 18:47 How do you put aside money to splurge? 22:07 How do you make sure you keep to your budget? 24:11 What are some of the biggest mistakes people make when drawing up a budget? Full article · Investec Focus · Investec Focus Radio SA

South Africa's Monetary Policy Committee has decided to keep interest rates on hold at 8.25% in their recent gathering, Chief Economist at Stanlib Asset Management, Kevin Lings speaks to Bruce Whitfield to shed light on how regular South Africans are affected.   Chair of the British Chamber of Business in Southern Africa and Dean and director of Henley Business School Africa, Jon Foster-Pedley joins Bruce Whitfield to address why executives need to eliminate all the fluff and be direct when it comes to effective communication and leadership within companies.   Bruce Whitfield is in conversation with CEO at Aurik Business Accelerator, Pavlo Phitidis on crucial lessons from the businesses that thrived post riots, floods, uncertainty and self-doubt. Maya Fisher-French, a Personal Finance Journalist at Maya on Money, joins host Bruce Whitfield to examine the advantages and disadvantages of Crowd Farming as an investment option. Additionally, they address the necessity of regulation and measures for safeguarding investors. See omnystudio.com/listener for privacy information.

Maya Fisher-French, a Personal Finance Journalist at Maya on Money, joins host Bruce Whitfield to examine the advantages and disadvantages of Crowd Farming as an investment option. Additionally, they address the necessity of regulation and measures for safeguarding investors.See omnystudio.com/listener for privacy information.

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. This podcast is perfect for individuals of all ages and backgrounds who are interested in managing their money more effectively and achieving their financial goals. Whether you're a recent graduate or someone looking to improve their financial situation, Everything Counts offers practical tips and insights to help you take control of your finances and secure your future wealth. In this episode, Motheo speaks to leading financial consumer journalist Maya Fisher French, and seasoned financial advisor from Investec, Kgomotso Motloung, about what financial wellness really is and what you need to do to obtain it. Skip ahead 00:00 Introduction 01:38 What is financial wellness? 03:35 Maya talks about her career move from stockbroker to journalist and how that impacted how she looks at money 05:32 Where do I start? 06:35 How do I approach a financial advisor? 09:18 Money personalities and their impact on my finances? 10:49 How do I structure my financial plan? 14:33 Why shouldn't I be ashamed about asking for help when it comes to my finances? 17:13 How do I calculate my net asset value? 18:01 Plan for when things go wrong 19:14 Where should I get advice from? 20:26 How should my budget work? 21:38 What habits will help me get my finances in order? 23:22 How do I think about insurance? Financial wellness insights · Private Banking for you · Investec Focus Radio SA

Finance journalist Maya Fisher-French is the creator of ‘Maya on Money', a website to help you with those day-to-day money decisions related to South African finance matters. She joins John to consider the implications of Finance Minister Enoch Godongwana's decision o set September 1, 2024, as the rollout date for the two-pot retirement system.See omnystudio.com/listener for privacy information.

Guest: Financial journalist Maya Fisher-French of Maya on Money See omnystudio.com/listener for privacy information.

Maya Fisher-French, a personal finance journalist at Maya on Money, talks about the financing options available to people who would like to install renewable energy sources in their homes.See omnystudio.com/listener for privacy information.

Rayno Nigrini, foreign exchange structurer at RMB on the ZAR in light of the developed economy's central bank's stance on interest rates.   Prof Bonang Mohale, president of Business Unity South Africa (BUSA) on the story SA presented at WEF in Davos.    Claude de Baissac, CEO at Eunomix Group reveals how he knew that Thabi Leoka was not truthful about her PhD.    Maya Fisher-French, personal finance journalist at Maya on Money was our shapeshifter. She spoke about her highs and lows in her career.See omnystudio.com/listener for privacy information.

Guest: Maya Fisher-French | Personal Finance Journalist at Maya on Money See omnystudio.com/listener for privacy information.

Isaac Matshego, economist at Nedbank on the MPC's decision on interest rates; and Maya Fisher-French, personal finance journalist at Maya on Money on how the rates have affected consumers.    Prof Jan Havenga, industrial engineering professor at Stellenbosch on the Transnet crisis costing South Africa 5% of GDP.    Warren Ingram, co-founder of Galileo Capital and personal financial advisor on why your portfolio performed badly over the last five years.See omnystudio.com/listener for privacy information.

Carol Paton, editor-at-large at Business24, Peter Attard Montalto, managing Director at Krutham and Busisiwe Mavuso, CEO at Business Leadership South Africa on how public enterprises minister Pravin Gordhan is overseeing SOEs.   Kevin Lings, chief economist at Stanlib Asset Management on SA's population growth; and what it means for the economy.    In our Investment School, Maya Fisher-French personal finance journalist at Maya on Money on why property investment is riskier than the equity market.See omnystudio.com/listener for privacy information.

At our latest In conversation event, titled, Sustainable living – empowering solutions, Chris Yelland (energy expert), Prof Anthony Turton (water expert), Maya Fisher-French (award-winning financial journalist) and Pierre Lundberg (water expert) shared their thoughts on our current water and energy situation.

Goolam Ballim, chief economist at Standard Bank and Maya Fisher-French, personal finance journalist at Maya on Money on SARB's decision to increase the repo rate.    Maurice van Heerden, CEO of Planet World on the electronics company, expanding its horizons.    For personal finance Warren Ingram, co-founder of Galileo Capital explained why fashionable friends are lethal to your investments.See omnystudio.com/listener for privacy information.

Philip Saunders, Director of the Investment Institute at Ninety-One discusses whether China's economy is a lull.     Blackouts, further tariff hikes point to ‘inevitable' financial distress for SA businesses this year - Dr Eric Levenstein, Director at Werksmans Attorneys discusses the effect of loadshedding.    Dr Chris van Straten, Global health advisor for clinical governance at International SOS discusses whether African businesses are factoring climate change into their health and security plans   Investment School - Avoiding and Dodging Investment Scams with Maya Fisher-French, Personal Finance Journalist at Maya on Money See omnystudio.com/listener for privacy information.