By Grace Van Zyl
YOU probably get an annual medical check-up. Your doctor will ask about your concerns, take your blood pressure and 30 minutes later you’re out of there — maybe with a prescription.
A similar annual check-up should take place regarding your finances. But instead of analysing your good and bad cholesterol levels, evaluate your good debts (bond) and bad debts (credit card). And instead of testing your reflexes, look at your savings and assess your ability to respond to a financial emergency.
This is why a financial planner is vital to your financial plan. Your financial planner will help you with the following:
Is your net worth growing?
Your net worth is one of the best barometers for measuring financial health. To calculate this, you simply subtract what you owe (your liabilities) from what you own (your assets). This should be compared on an annual basis to see if there is an improvement.
What are your ratios?
What is your debt-to-income ratio, your savings rate and emergency funds?
Are you spending more than you earn?
Draw up a budget and track your expenses.
What has changed in the last year?
Life changing events can upset your financial well-being. Getting married, having children, retiring, retrenchment etc. means that you have to make many financial decisions.
Are you still adequately insured?
Your insurance needs and the level of cover required changes as your life changes and should be reviewed annually.
Review your estate plan.
Make sure the beneficiaries you have named in your will and policies are up to date. You also want to review the people you have named as guardians for your children, executors, trustees and those with powers of attorney.
Do you sleep well?
Understand the level of risks you are taking with your investments and be comfortable with that. There could be a trade-off between the amount of risk you are willing to take and the risk you may need to take to achieve your lifestyle goals.
Are you living life?
Financial planning is not simply about money. It is about finding the best way to finance what you want out of life, whether that is spending more time with family and friends or traveling. Financial planners use annual check-ups to help you make sure that you are doing that.
Aspire Wealth would like to thank each and every client that travelled and made special arrangements to attend the Acsis Client Presentations this year. The Client Presentations were held throughout South Africa; Johannesburg, Pretoria, Cape Town, Durban, Knysna, East Rand and Port Elizabeth.
The speakers for the events were Bennie Gouws, the Executive Head of Private Clients and Andrew Salmon, the Executive Head of Investments, whom both form part of the Acsis Board and Exco. The presentation was an overview of the current investment and economic environment and updated clients on what Acsis is doing to ensure that their investment strategy remains on track to deliver the returns you need to achieve your goals over the long term.
We at Aspire, enjoyed event and the opportunity to engage with you our client.
Discovery has teamed up with Adidas and Blue Label Telecoms to bring parkrun to certain areas in South Africa. The best thing about this team up is that you can earn Vitality points every time you complete a parkrun. With weekly runs and walks in different venues all over the country, there's now even more reason to find your local parkrun and give it a go. These runs are not only a wonderful outing over a weekend for you and your family but it for free and a great way to stay active. Discovery Vitality members 18 years and older can earn 500 points for participating in a parkrun event and children six years and older who are dependents on their parents' Discovery Vitality membership can now also earn points for completing a parkrun.
Parkrun is such a simple concept: turn up every Saturday and run 5km, or if you’re a junior then 2km every Sunday. It doesn’t matter how fast you go. It doesn’t matter what you’re wearing. What matters is taking part.
There are now parkrun events each Saturday and Sunday in countries all around the world. Each event is based in a unique location like a park, beach or promenade. All events are organized by a group of our wonderful dedicated volunteers.
Parkrun is all about inclusiveness and wellbeing.
Their aim is for as many people as possible to feel part of a real local community brought together by their events, as well as their global parkrun family. It’s why parkruns are never more than 5km – it’s a distance that anyone can complete (even if some of us are walking by the end…) and it’s why they have kept the format of parkrun so simple: register once, then turn up and take part wherever you want, whenever you want.
To view the Parkrun events held in South Africa, please click on the link below:
To register for Parkrun, please click on the link below and follow the instructions:
Whether it is a structured exercise program or just part of your daily routine, all exercise adds up to a healthier heart. Take the first step by walking. It's free, easy to do and when you have a walking companion, you're more likely to stay motivated.
Here are some tips for exercise success:
Dress for success!
• Wear comfortable, properly fitted sneakers or flat shoes with laces.
• Wear comfortable, loose-fitting clothing appropriate for the weather and the activity.
Make the time!
• Start slowly. Gradually build up to at least 30 minutes of activity on most or all days of the week (or whatever your doctor recommends).
• Exercise at the same time of day so it becomes a regular part of your lifestyle. For example, you might walk every Monday, Wednesday, Friday, Saturday and Sunday from noon to 12:30 p.m.
• Find a convenient time and place to do activities. Try to make it a habit, but be flexible. If you miss an exercise opportunity, work activity into your day another way.
Keep reasonable expectations of yourself!
• If you have a high risk of coronary heart disease or some other chronic health problem, check with your healthcare provider before beginning a physical activity program.
• Look for chances to be more active during the day. Walk the mall before shopping, take the stairs instead of the escalator or take 10–15 minute breaks while watching TV or sitting for walking or some other activity.
• Don't get discouraged if you stop for a while. Get started again gradually and work up to your old pace.
• Don't exercise too vigorously right after meals, when it's very hot or humid, or when you just don't feel up to it.
Make it fun!
• Choose activities that are fun, not exhausting. Add variety. Develop a repertoire of several activities that you can enjoy. That way, exercise will never seem boring or routine.
• Ask family and friends to join you — you may be more likely to stick with it if you have company. Or join an exercise group, health club or a community center.
• Use variety to keep your interest up. Walk one day, swim the next, and then go for a bike ride on the weekend.
• Use music or audio books to keep you entertained.
Track and celebrate your success!
• Note your activities on a calendar or in a logbook. Write down the distance or length of time of your activity and how you feel after each session.
• Keep a record of your activities. Reward yourself at special milestones with non-food items, like a small gift or shopping trip for yourself. Nothing motivates like success!
6 Ways to Reward Yourself WITHOUT Food or Drink >> click here
South Africa’s leading wellness programme gives you and your family knowledge and motivation to make healthy living easier. Everywhere you look you see it “Vitality Points”, what is this vitality point system about you may be asking, well let us break it down for you and explain how it can be beneficial not only to your health but also to your pocket.
First thing is first, log on to the following website https://www.discovery.co.za/portal/ and register, if you are an existing Discovery Health or Life client.
Once you have registered and have your very own unique user name and password, you are able to log in and you will be able to utilize the following drop down options. The self-help website is very user friendly and can be utilized anytime and from anywhere for your convenience.
Your saving is based on your Vitality status. The higher your Vitality status, the more you’ll save!
Vitality rewards you as you get healthier, earn Vitality points and build your Vitality status. With our wellness rewards programme, you’ll enjoy even greater travel, lifestyle and shopping rewards.
VITALITY TRAVEL REWARDS
Travel has never been this rewarding! Book your flights, choose your accommodation and even secure your car hire. Take a vacation and start exploring new worlds today. Save up to a maximum of 50% on accommodation at over 500 top hotels, lodges, bed and breakfasts and resorts.
Your Vitality Saving: 25%
Your DiscoveryCard Saving: 15%
VITALITY LIFESTYLE REWARDS
A healthier lifestyle has never been more entertaining! Get discounted movies, great rewards, and savings on web connectivity. HealthyFood, HealthyGear, HealthyCare, Health club, Outdoor fitness are some of the partners which you can benefit from.
Watch the latest blockbusters, art house movies and South African features at greatly discounted prices.
- Movies at less than half the price and kids can watch movies that start before 7pm for free
Come shop around-the-clock for products, magazines and vouchers through discovery/mall and choose from leading e-tailers like takealot.com, kalahari.com and Loot.co.za.
To find out how to get Gold Discovery Vitality Status in just one week, please click HERE
Join Aspire Wealth Management on the 7th of March for the first Discovery Vitality Wellness Screening Day hosted at Aspire Offices.
This is your opportunity to boost your Vitality Points and Status.
Bookings are essential, contact Nadine on 011 979 7017 OR email@example.com
Frozen watermelon lemonade
fresh zesty tang and spectacular colour
Preparation time: 15 minutes + freezing time
1.5kg watermelon, peeled and cut into chunks and frozen overnight
4 medium to large lemons juice and zest
(use vegetable peeler and do not include the white pith of lemon with)
1 pinch salt
soda water or spirits to top up as per your preference
Make the syrup by placing the sugar, water and zest in a saucepan.
Bring it all to the boil while stirring and stir until the sugar has dissolved.
Remove from the heat and stir in the lemon juice and salt.
Cover and let it infuse until completely cooled down.
Pour through a sieve to remove the lemon peel.
Make sure the seeds are removed, then place a third of the watermelon chunks and lemon syrup in a blender or food processor and blend until smooth and slush-like.
Repeat with the rest of the watermelon and syrup.
Pass it through a sieve to remove any possible watermelon pips.
Serve as a frozen drink or top up with soda water, sparkling wine or spirits as you prefer.
Keep it as a slushy of the mixed watermelon and lemonade or top it up with soda water for more of a cool drink.
Make it festive and top up half a glass of the mix with some bubbly or go the cocktail route and top it up with rum, tequila or vodka.