Kristia van Heerden, Author at Just One Lap

The Fat Wallet Show with Kristia van Heerden

Podcast: Retirement and tax

Kristia van Heerden 24 October 2016Latest, The Fat Wallet

I recently realised, to my horror, that pension fund and retirement annuity providers are winning at consumer education. With my first job came an onslaught of pension fund providers vying to communicate with my broke ass. I didn’t know how to budget, how to manage my debt, how to navigate myself out of a brown ...

ETF: New international ETFs by CoreShares

Kristia van Heerden 19 October 2016ETF Blog, Latest

CoreShares’ two new offshore ETFs are the first to launch since I became ETF Nerd #1 and boy, am I excited! Come November I’ll be able to get my offshore kick with a local flavour. With the drama still unfolding at Deutsche Bank, offshore options from a local ETF provider seem particularly well-timed. Fortune apparently ...

Podcast: Can debt be good?

Kristia van Heerden 17 October 2016Latest, The Fat Wallet

Erik Thiart sent a question that I’ve subconsciously been avoiding on this podcast. He wanted to know what the deal is with my debt story. I talk about paying back my debt often, but I’ve never really gone into how I got into debt in the first place. If I’m perfectly honest, it’s because it ...

ETF: Rand panic and your ETFs

Kristia van Heerden 12 October 2016ETF Blog, Latest

The rand took a nose dive yesterday as news broke that finance minister Pravin Gordhan has been summoned to appear in court on charges of fraud. Bank shares also took a beating, which could be worrisome for holders of FINI ETFs. With the news of Deutsche Bank still fresh, it seems there’s nothing but chaos ...

Podcast: Are my investments making me poor?

Kristia van Heerden 10 October 2016Latest, The Fat Wallet

When I finally paid off my debt three years ago, I was in the perfect position to start building wealth. It took two stark years to get out of a very dark place of my own making. No salon visits, no new clothes and a helluva lot of peanut butter later had me looking a ...

ETF: Deutsche Bank ETF panic

Kristia van Heerden 5 October 2016ETF Blog, Latest

South African ETF investors looking for offshore exposure have had a convenient vehicle in the Deutsche Bank x-tracker ETF products. We have been supporters of these products, both through personal investments in x-tracker ETFs and by recommending the ETFs to our users. Last week the global financial system was rocked by speculation that the German ...

Podcast: Warranty worry

Kristia van Heerden 3 October 2016Latest, The Fat Wallet

I’m a big believer in having an emergency fund that will cover my expenses for at least three months. I don’t want too much cash sitting around doing nothing, but I also want to avoid cashing out investments to cover emergencies. My emergency fund creates an interesting dynamic in my personal finances. Because I have ...

Podcast: How to be wrong, or contract vs prepaid

Kristia van Heerden 26 September 2016Latest, The Fat Wallet

This podcast forces me to do an annoying amount of personal growth. This week I had to work out what I disliked more: being wrong or being irrational. My early 20s was a haze of red wine and shopping on credit. In three short years I managed to rack up debt ten times my monthly ...

Podcast: Warning! We say “ethics”

Kristia van Heerden 19 September 2016Latest, The Fat Wallet

WARNING: This episode contains some insipid moralising. Vomiting might ensue. Please allow me a moment to be a little philosophical. It’s my birthday week. This can be your gift to me. Last week I featured the NewFunds NewSA ETF. It’s an ETF that invests in companies based on their empowerment ratings. As our bestie Nerina ...

Podcast: Endowments vs financial discipline

Kristia van Heerden 12 September 2016Latest, The Fat Wallet

Fat Wallet listener Kennith Brand asked us to unpack the advantages and disadvantages of endowments. In this podcast, Simon and I try to wrap our heads around what these products are, why they’re offered by insurance companies and whether you should be putting your money in them. Regular listeners will be unsurprised to find that ...