Brokers are obliged to do more than forward emails from insurers

Don’t put off getting medical aid until you’re older than 35

Educate your teens about signing contracts before they get caught

Disable SMS-es appearing on the screen of your locked phone

Small businesses listen up: if somebody calls you wanting to sell you discounted cleaning materials, just say no!

Kim wrote: “I am about to place an online order with Duck Apparel. A promotional discount has been automatically applied to my purchase. And the Ts and Cs state that items bought on sale or part of a promotion cannot be refunded. So if the item doesn’t fit me, I can’t return it?”

Food delivery apps such as Mr D and UberEats make fast food convenient, but Standard Bank warns that South Africans are overspending on takeaways, averaging R775 monthly, that’s excluding groceries.

Wendy Knowler sets the record straight on cooling-off periods

If you financed your car with one final, very large balloon payment due after, say, six years of “normal repayments” - as a means of reducing your monthly repayment amount, there is a way to make that balloon smaller as you go along.

If you buy a car from a dealership, big or small, you have the benefit of the Consumer Protection Act’s warranty if it malfunctions in some way within six months of purchase.