Their Doctors

Could you refer me to the most cost effective facility?

Prices for routine procedures (think X-rays, MRIs and blood tests) can reach into the thousands, says Jeff Rice, a doctor.

Your doc could send you to a facility that charges a lot more, so push back and say you want the best price around. You could save up to 50%, Dr Rice says.

Their Prospective

Employers

Will you match my retirement contributions?

That match can make you wealthy. Example: Company A offers you R400k with no match. Company B offers R20 000 less but will match up to 6% of your salary.

After 30 years and with a 7% return, you’ll have R2.4m with Company A, or R4.7m with B.

Their Financial Advisors

What fees are you charging me?

Pay a professional no more than 1% in annual advisory fees to manage your portfolio, and give a discount broker 0.25% per transaction.

Be cautious of fullservice accounts, though. You may be charged up to 10 times what you’d pay a discount broker