Technology optimizes efficiency, but only love provides purpose. By balancing “code” with “heartware,” we create effective intelligence, ensuring that future systems prioritize human connection, empathy, and meaning over mere algorithmic control and strict mechanical predictability.

Markets often experience extended sideways periods, where valuations compress and fundamentals catch up, despite underlying earnings growth. These periods, while frustrating, are not stagnant; dividends and active management can still yield returns.

Gold’s scarcity and historical use as a store of value make it a unique investment. While its price is influenced by market sentiment, it has consistently preserved purchasing power over time, making it a reliable hedge against inflation and economic uncertainty. Despite criticisms of its lack of utility, gold remains a valuable portfolio diversifier.

A valid will is a crucial component of proper financial planning, granting you control over how your estate will be managed. Without one, the Laws of Intestate Succession apply, often leading to delays and conflicts.

The Rand’s journey reflects South Africa’s turbulent history, from gold-backed strength to volatile depreciation. Influenced by global shifts, domestic politics, and commodity prices, its future hinges on addressing core economic challenges both locally and globally.

Governments control fiscal policy (taxes, spending), while central banks control monetary policy (interest rates). Fiscal dominance occurs when governments force central banks to finance their debts, leading to currency debasement and inflation.