Articles

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Pick a card … any card

Pick a card … any card

Do credit cards represent shopping convenience, or a noose of debt?  It depends on how they are used. When credit cards were first issued, you had to either be seriously wealthy or amongst the top tier of salary earners in order to qualify for one.  That your...

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Seven documents you must ALWAYS keep

Seven documents you must ALWAYS keep

Never, never, never throw these important documents away… Certain original paperwork needs to be kept in a safe place, ideally scanned to computer and backed up as well. Paperwork is a pain in the rear end, and most people do a ‘clear-out’ every so on – but the...

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TEN WAYS TO BREAK BAD FINANCIAL HABITS

TEN WAYS TO BREAK BAD FINANCIAL HABITS

1. Check your attitude. Ever wondered why you spend excessively on certain items? Is it to keep up with the Joneses? If the people with whom you associate judge you by the clothes you wear, the car you drive, or the area in which you live, ask yourself whether you...

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Death and taxes

Death and taxes

Many people come to pay their last respects when you die.  SARS is among the crowd… Some years ago when I was still a member of the Welsh Male Voice Choir of South Africa, at one rehearsal, whilst battling with a particularly difficult piece of music containing...

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Tax and marriage…

Tax and marriage…

… and SARS is looking at your horse and carriage … The late Robin Williams, in his role as Reverend Frank in the movie Licence to Wed, has put together what is probably the most, shall we say, ‘innovative’ marriage course ever devised.  I mean, if your marriage...

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THE NATIONAL CREDIT ACT – YOUR RIGHTS

THE NATIONAL CREDIT ACT – YOUR RIGHTS

The National Credit Act came into effect on 1 June 2006, and has had a far-reaching impact on how credit is marketed, granted, and administered. Many people have received an unsolicited letter from some or other institution, informing them that they have been granted...

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START YOUR OWN INVESTMENT CLUB

START YOUR OWN INVESTMENT CLUB

Are you tired of your investments being pillaged by institutions, but lack confidence to “go it alone”?  Why not form an investment club?  It’s fun, educational, and (potentially) profitable. Many people lament the fact that their hard-earned savings are...

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YOU HAVE WON A PRIZE!

YOU HAVE WON A PRIZE!

Few things match the joy and surprise of winning something, no matter how small the prize may be.  Many unscrupulous operators rely on this… The Toastmasters club that I was a member of a few years back has a raffle at each meeting in order to bolster the club’s...

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RETIRING FROM YOUR OWN BUSINESS

RETIRING FROM YOUR OWN BUSINESS

“Calling it a day” in your own business involves more than a grand party and the presentation of a gold watch.  Here’s what’s involved when you want to retire from your own business If you have been employed in a corporate for most of your working life,...

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PERSONAL FINANCE is South Africa’s leading monthly investment strategy magazine aimed at individuals who are serious about saving money, securing their financial future, building wealth, and preserving it for future generations.

TAX BREAKS draws from the collective wisdom of the country’s leading tax experts, helping subscribers minimise their tax bills, understand their compliance obligations, structure their affairs in a tax-efficient manner, interact with SARS, and be kept on all the latest tax issues.