Why life insurance is important

In response to the question “Why do I need life insurance?” one could pose a counter-question: “What happens to the people who mean something to you when you die?”

Life cover is a product that provides financial protection for the most important people in your life. It protects the wellbeing of your loved ones and prevents them from experiencing financial hardship when they can no longer depend on your monthly income or support as breadwinner after your death.

Life insurance companies offer you the opportunity to invest in the future of your loved ones before it is too late. If you are young and healthy, your monthly premiums will generally be lower so it is wise to seek affordable life cover before you turn 65. Depending on your individual risk profile you will be able to take out cover at an agreed premium that will provide a certain lump sum payout to those dear to you when you pass away.

Source: http://www.sa-insured.co.za/why-do-i-need-life-insurance/

Preparing Your Property for Sale

While there are various steps to keep in mind when preparing your property for sale, changes in zoning laws and building regulations means sellers must have certain things in place before putting their home on the market.
According to Lanic Steward, managing director of Knight Frank– a leading privately owned global property agency:

“Gone are the days where you could put your house on the market and hide behind the voetstoots clause. It is in the interest of the seller to take time to ensure the house he is selling is fully compliant.”

The following steps should be taken to protect the seller against any claims that may take place later. Choosing a prominent estate agent in Cape Town, such as Knight Frank, is a sure-fire way to make sure this is done correctly.

• Make sure that all renovations to the property have been approved. If you are in a situation where you haven’t done so, make an effort to find the old plans and submit them to the Council for approval. A buyer may lose interest if they have to wait a few months for these types of complications to be sorted out.
• If you have any doubts about whether your property is water compliant, check for leaks before calling in an inspector. The easiest way to do so is by turning off the water supply to check if the meter is still ticking over – if it does, this means there is a leak somewhere.
• If you have a leak in the roof, get it repaired as soon as possible and make sure you receive a guarantee from the contractor. This guarantee should be addressed to the house and not the person owning the house.
• Make sure any plumber or electrician who has been involved in readying the house for sale presents the seller with a certificate that states the work complies with regulations. If possible, you should try getting a guarantee for this work.
• Any unapproved plans should be taken through the Council and approved as soon as possible. If left too late, you may encounter problems doing so.
• The most important thing for sellers to remember is that they need to give full disclosure to both the buyer and the agent. This way, issues can be rectified quickly and will be listed in the sales agreement or condition report.

The above steps are important for the seller as they will eliminate any timeless problems that may occur during the transfer process. Remember, municipalities can demand that an illegal building be demolished – make sure it is not yours.
Source: http://exploring-cape-town.tumblr.com/post/66332444343/the-sellers-checklist-home-compliancy

Tokai is a large residential suburb

Tokai is a large residential suburb situated on the foothills of the spectacular Elephants Eye mountain range. The lush, leafy suburb is a nature lover’s dream, with a selection of off-road cycling routes and scenic mountain and forest walks.

Named after Tokaj – a range of hills in Hungary – Tokai was originally a wide open area dotted with various wine farms and quaint smallholdings. Today the suburb is predominantly residential, but a number of authentic Cape Dutch houses still stand among the more modern developments. The suburb was established in the late 1940s and built up quickly due to the urgent need for housing for the English-speaking South African soldiers returning from World War II.

Source: http://www.remax.co.za/Property-in-Tokai-Cape-Town-Western-Cape/

Purchasing a Home

Purchasing a home is one of the biggest investments you could make. It costs decades of work, payments and alterations to transform it into the home you have always dreamed of. Something that you work so hard for and grow to love so much definitely needs to be protected. While home loans may secure your property purchase, anything could happen; rendering you unable to pay the necessary instalments on your home.

Source: http://exploring-cape-town.tumblr.com/post/58901109234/the-importance-of-taking-out-bond-insurance

Great Deals on Minibus Hire

Pace have great deals on minibus hire. These cheap rates are for customers that are expecting to use less than 3,00kms per month and who require super cover insurance.

Our monthly rates start at R19,950 for super cover and R18,000 for standard cover, both of these for our multi seater vans include 3,000kms free per month.

If you are looking for extra kilometres then try our 200kms free rates.  Unfortunately we do not offer unlimited kilometres on our minibuses, but our 200kms free rates should have sufficient kilometres for most people.  If you are taking a large group, it is advisable to rent a trailer for luggage.  This will assist any quantum with trailer rental.

Source: http://www.pacecarrental.co.za/mini-bus-hire/

Medical test men should take

Most men shy away from medical issues and health concerns, unless they experience specific symptoms or are suffering from a diagnosed condition. The importance of regular health screens for men cannot be underestimated. If problems or potential health concerns are picked up early on, the chances are very good that before these conditions turn into something really serious later on, they can be prevented or cured.

Likewise, the significance of sourcing affordable life cover quotes should not be undervalued. By investing in life policies in South Africa, the probability of your family suffering from financial hardship in the future can be avoided.

Source: http://www.wellaware.co.za/tests-men-should-have-regularly/

Is your company honest with you from the start?

Life insurance South Africa is a great thing to have, however one must do your research to find out what is needed   from you to have the insurance plan. Many insurance companies aren't transparent with their requirement...Frank.Net however is. Quite a refreshing thing for companies. Well done Frank.Net

This is currently on their website:

Before applying for Life Cover from FRANK.NET, there are a few things to keep in mind.

Acknowledgement and understanding of the following obligations can help you avoid confusion and uncertainty in the long run, so read through them carefully before taking action.

Determining premiums – Your monthly Life Cover premium is determined by a number of factors, including personal details such as type of employment, lifestyle choices and medical history.

Notifying FRANK.NET of lifestyle choice changes – We need to be notified if you change occupation, start or stop smoking, or start or stop any high-risk sport, hobby or pastime. After being alerted of any of these changes, FRANK.NET may need to amend your premiums or payout. It's important to keep in mind that if you don't let us know about these changes, your future claims may be affected or even denied.

Claim payouts – FRANK.NET wants to ensure that when you claim, we pay. In order to do this, you should avoid deliberately injuring yourself or making yourself ill, and you should always seek and adhere to professional medical advice when you require it.

HIV testing – FRANK.NET requires the results of an up-to-date HIV (Human Immunodeficiency Virus) test from you. It should be sent to us within three months from the commencement of your Life Cover agreement.

Contact FRANK.NET on 0860 722 227 for answers to any questions regarding the above information, or to get a free Life Cover quote.

You definitely want to be part of a company that is completely transparent and honest with you. Frank.Net definitely is!