April 2017

Welcome to COVER & ABOVE  “FOR YOU TO KNOW” Page: The Learning and Knowledge 4U2K in, Investment Planning, Financial Services & Wealth Management.

hosted by Irshad JACKARIA  [BCom (Hons), Dip INV, MSc, MCIPS, CFA]

01st APR 2017: 4U2K – HEALTH AND FINANCE !

Do you know how the relation between Health and Finance?

Every year, on the 07th of April, the world celebrates the "HEALTH DAY". The theme for 2017 is about making people aware of DEPRESSION and to make them realise that it can be prevented and treated. We would like to take this space to explain about one of the main causes of depression: MONEY. Depression is an illness, which is accompanied by sadness, lack of interest and motivation in the things that you normally have to do or you usually enjoy. At Knowledge of the ART, we want to go further and define FINANCIAL DEPRESSION ... a situation whereby you do not appreciate the tick of time and the cycle of life because you:

  • do not have enough money to do what you wish ...
  • did not make judicious use of your hard-earned money ...
  • lost money ...
  • did not recover money that you lent out ...
  • had unexpected and/or urgent expenses ...

The more you let the above enter your life, the more chronic will be the depression and the more recurrent will be the concussion. The solution lies in taking initiatives, either by yourself or by seeking help from a competent, trusted and registered financial planner and advisor. We must avoid living in the past and we must avoid confining ourselves to the REGRET OF OMISSION (why I did not take this decision) and the REGRET OF COMMISSION (why I took this decision). If you find yourself entangled in a financial depression, you have to be bold and stop the hemorrhage by accepting the pain to go through the needed financial transition, and from there, make more prudent planning, review your priorities and be more fair-minded in the elaboration of your needs and wants.


Your Financial Advisor & Wealth Planner

Irshad is the owner director of Cover and Above, launched in July 2016 and of Knowledge of the ART Corporate Training Academy created in July 2003. He was voted the ‘most successful young entrepreneur of the year in Mauritius’ in the Shell Livewire for 2005. At Knowledge of the ART, he develops, launches and lectures courses in the areas of Banking, Financial Services, Investment, Private Banking, Wealth Management and Insurance. At Cover and Above, he provides financial advices and wealth planning services.

These highly practical courses have seen, over the years, participants from HSC holders with no prior experience to banking and finance personnel like tellers, service representatives, officers, supervisors and managers, as well as graduates and charter holders in banking, finance and accounting.

And, in 2016, Irshad earned the Chartered Financial Analyst ® (CFA®) credential and became a member of CFA Institute, Charlottesville, USA, as well as a member of the CFA Society Mauritius.

The CFA credential is the badge of distinction in the investment management profession. It represents a deep knowledge of investments, a commitment to ethics, and a passion for always putting investors first.

The CFA Institute is a highly respected global community of investment management professional excellence and integrity. The achievement of the charter demonstrates diligence and tenacity, and CFA charterholders are recognised for this unwavering integrity, and by earning the CFA charter, one makes a serious commitment to uphold the highest standards of professional education and conduct.