So you have started a new business from home, it’s still small beginnings and you wonder to yourself: “What risks are involved that I would need business insurance if I am working from home and have no premises to worry about?”. Whilst your revenue may be small, the answer to the question of whether your business would need insurance depends on whether you are able to self-insure (which is to pay out of your own pocket […]
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TEACHING YOUR CHILDREN TO WORK WITH MONEY
Every parent wants the best for their children, and the best we can give them is a sure footing in life. One of these areas is intrinsically linked to how they will perceive value in others, value in themselves and the value of things around them. It is hard for children to understand the concept of value for money when they have not worked to earn the money for themselves. When a younger child goes shopping […]
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FIVE MORE FUNDAMENTALS FOR BUSINESS SUCCESS
Last week we covered some of the basic elements of running a business, this week we look more to the growth of the business and keeping that growth sustainable. Remember, running your own business is hard work, but having a sustainable organization that adds to the lives of others and protects the environment is well worth the effort! 6. Structure your business to maximise profits. This is an obvious one that should not be misconstrued. You […]
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FIVE FUNDAMENTALS FOR BUSINESS SUCCESS
Being an entrepreneur is exciting and fulfilling – if you are able to stick to your passion and make a success of your business! It’s easy to get tangled up in the complexities of running a business, when that happens it can be good practice to focus on some of the fundamental aspects of the business to bring you back down to earth. When running a business you are essentially trying to get your money to […]
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CLEVER WAYS TO REDUCE COMMUTER COSTS
Prices always seem to be on the rise, and there is nothing that you can do to fight it except to save in areas where you may have been excessive in the past. We came across some smart and practical motoring tips that every road user should be aware of if they are keen to save on vehicle costs. Your top priority should be your choice of vehicle. If you are looking to invest in a […]
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5 FINANCIAL LESSONS FROM 2014
When it comes to debt management you need to have some contingency plans in place for those unexpected and uncontrollable circumstances that can put a strain on your cash flow. To best plan for the unforeseeable future, we look to the past and identify trends that may recur in the future: Fuelling Up Looking back at 2014, we saw the price of fuel rise to an all-time high. Placing major strain on consumers and businesses alike. […]
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TOP TIPS TO PROTECT YOURSELF ONLINE
According to the South African Bank Risk Information Centre (SABRIC), South Africans lost over R2.2 billion from online scams and attacks in 2013. The internet has become a tool that most people use daily, instead of having a “that will never happen to me” attitude you can use these online security tips to guard yourself against the ill intent of hackers: The first step is to educate yourself around internet fraud so that you know what […]
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AVOID THE ‘NEW DIET’ APPROACH TO INVESTING
Saving is a tricky financial discipline to master. Most people agree that it’s wise to save, but are unsure as how best to do it. They try one way, take a break, then try another. It’s similar to the way many people try to eat healthily. Again, we all agree to the benefits of healthy eating, but few can stick to the right diet for a period long enough to produce significant results. Just as different […]
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5 MORE FACTS ABOUT HOSPITAL PLANS
As I wrote in a previous article, full medical cover has become an expensive purchase that few South Africans can afford. As we see a significant increase in the purchase of hospital plans, we are also seeing a decrease in how much our clients fully understand the big differences between an old-school medical aid and the intuitive products of today’s marketplace. Having come from a generation that largely understood medical cover as a ‘covers all’ policy, […]
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END OF MONTH SAVING TIPS
Once again we are at the end of another month and I hope that the year has been going well for all! Regardless of how well things are going, there is always something that we can address and change in our lives to hopefully bring about a good change! From changing our eating habits to being more observant of the world around us, here are some more money saving tips to help you plan for a […]
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