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South Africa is a country of diverse heritage, as well as lifestyles and cultures. At the same time, we use many different products and services, so the question arises: How do we make them work within our cultures?

In our modern world, we have become increasingly reliant on money. For many of us, it has come to relying on money we don't actually have. How do we balance living on the edge with our credit and debt?

Buying second-hand cars, clothes and gadgets online can be a great way to save some cash, but a growing number of clients are coming to us with heart-breaking stories of being scammed and left with nothing. These scams are everywhere and as consumers, we need to protect ourselves. Use this checklist from start to finish every time you want to buy online, and save yourself from the dodgy deals and fake offers that pop up at every turn.

Take this poignant opportunity to reflect on caring for those who have loved us most, as they near the evening of their time with us.

Medical emergencies are terrifying. The fear and helplessness while someone is suffering, or possibly dying, can be paralysing. As your companion, we want to help. Together with ER24, we have put together these downloadable infographics that explain what to do in some of the most frequently occurring medical emergencies.

It is difficult, both for those who have to try and manage feelings of despair that may lead to suicidal thoughts, and for those who try to be there to listen but don’t necessarily understand.

In our latest edition of Legal&You we focus on Social Development. We share insights on cyber scammers, hospice palliative care, emergency situation essentials, and the importance of mental wellbeing. See how we are your companion in these various situations.

Our November articles share information that you can use to to build your better 2023. From managing your digital legacy to avoiding the festive financial pinch, we hope you enjoy these insights.

There was a time when it seemed like there were no consequences on the internet and that what happened online, stayed online. Not anymore. South Africa has joined the growing list of countries who are taking a stand on what their citizens get up to in cyberspace.

We all know that your social media profiles remain active after you're gone. Do you want them to be available for your family and friends to remember you? Or do you want them, and all your data, deleted? These are latest additions to the questions we have to ask when planning our estates.

November is Red Ribbon Month, and we wear our ribbons to raise awareness and stand in solidarity with those who live with HIV and AIDS. This year, we hope you also wear it with hope and an appreciation that, while there is much to do, we are actually making progress.

The hype around Black Friday is everywhere. We look forward to the huge sales and even spend money we might not have, because we believe these are great savings. What if they're not? We look at the deals and the savings and decide.

Letting go is hard. It's even harder if we feel guilty for learning to live again after losing a loved one.

South Africans already know that we have a slightly fraught relationship with substance abuse. As a country, long accused of a “missing middle” in one way or another, we really doubled down on the “go big or go home” way of life.

It has been quite a year and there is a definite sense of anticipation as the holiday season approaches. But are you excited or relieved? Either way Mzansi, it will all be ok. We’re doing better than we think we are.

December is here, and it is a great time to reflect on the year that has passed and plan for the future. We wish you and your family the very best holiday season and happy New Year. Soon, many of us will be traveling home or going away, seeing friends and family we haven’t seen in a while. The pressure is on for fun and excitement and then some relaxation and recovery, in time for January.

These are the top five ways that you can make the law work for you and your future.

Losing loved ones can be debilitating, but you can find the strength to step up and make their last wishes a reality. If your loss has you quite lost with no idea of what to do, you can use this list to help you focus.