Tony

Choosing the right medical scheme is one of the most important financial and healthcare decisions you’ll make. With rising medical costs and annual contribution increases, having the right cover in place is no longer optional — it’s essential. South Africa currently has 71 registered medical schemes , serving more than 9.13 million beneficiaries  according to the Council for Medical Schemes (CMS) Annual Report 2024/25. While there are many options available, a small group of schemes dominate...

As 2025 winds down, it’s easy to get caught up in the festive rush — but before you unplug and enjoy the holidays, take a moment to check in with your finances. November and December are the ideal months to reflect, review, and realign your financial goals. With rising living costs, market fluctuations, and ever-changing tax rules, proactive planning now can set you up for a confident, successful 2026. At Proper Group, we believe that small, strategic financial moves made before year-end can...

Everyone experiences ups and downs — it’s part of being human. But when feelings of sadness, hopelessness, or a loss of interest linger for weeks and start interfering with your daily life, it could be a sign of depression . What Is Depression? Understanding Depression Depression is one of the most common mental health conditions worldwide, affecting around 1 in 18 people  — nearly 332 million adults globally . Despite how widespread it is, many still suffer in silence. It can affect anyone,...