Financial Management
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A Look At RMB's Private Banking
A Bank That Understands The Needs Of Entrepreneurs.
A Bank That Understands The Needs Of Entrepreneurs.
Accounting Software Can Help You Drive Revenue
Pastel can turn your accounting activities from a cost into a profit centre.
Pastel can turn your accounting activities from a cost into a profit centre.
Alt-X Listings Boom Sustainable
When the JSE’s alternative exchange AltX opened in October 2003, one financial weekly greeted it with the headline “Doomed to Failure”, because with the lone exception of London’s AIM, small capitalisation boards around the world were not having much success.
When the JSE’s alternative exchange AltX opened in October 2003, one financial weekly greeted it with the headline “Doomed to Failure”, because with the lone exception of London’s AIM, small capitalisation boards around the world were not having much success.
An Investment Too Good To Be True
When investment schemes promise returns that are “unbelievable”, they usually are.
When investment schemes promise returns that are “unbelievable”, they usually are.
Asset Classes that Count
Go for growth assets while interest rates fall.
Go for growth assets while interest rates fall.
Asset Classes: The Economic Outlook for 2010
Gary Brinson, in his seminal 1986 article Determinants of Portfolio Performance, showed that asset allocation contributes 92% of portfolio performance, compared to 2% for market timing and security, and 6% for stock picking.
Gary Brinson, in his seminal 1986 article Determinants of Portfolio Performance, showed that asset allocation contributes 92% of portfolio performance, compared to 2% for market timing and security, and 6% for stock picking.
Budget Speech: The Impact on SMEs
Some budget relief for individual taxpayers while SME businesses have work to do.
Some budget relief for individual taxpayers while SME businesses have work to do.
Budget Strategically to Stay on Course
These tips will help you manage your budget, steer straight and control your destiny.
These tips will help you manage your budget, steer straight and control your destiny.
Budgeting Mistakes
Avoid these all-too-common errors to eliminate financial nightmares.
Avoid these all-too-common errors to eliminate financial nightmares.
Can Your Business Afford Medical Cover?
The balance between low-cost healthcare and quality health services is achievable, even for smaller businesses.
The balance between low-cost healthcare and quality health services is achievable, even for smaller businesses.
Car Allowance Perks
In spite of restrictions, allowances still offer tax efficiency
In spite of restrictions, allowances still offer tax efficiency
Choose Sectors With Great Care
For 2010 stock picking there are a couple of vital facts you will need to be aware of: one is the phase of the economy, and the other is the cycle of the individual sector.
For 2010 stock picking there are a couple of vital facts you will need to be aware of: one is the phase of the economy, and the other is the cycle of the individual sector.
Consolidate your debt
Become bond-free sooner without paying extra
Become bond-free sooner without paying extra
Cost Containment
Medical expenses yourself – and these costs can escalate at an alarming rate
Medical expenses yourself – and these costs can escalate at an alarming rate
Creative Cost-Cutting
If You Own Your Own Company, You’ve No Doubt Explored Various Ways To Cut Down expenses – Here are a few more
If You Own Your Own Company, You’ve No Doubt Explored Various Ways To Cut Down expenses – Here are a few more
Currency Future Opportunity Beckons
A little known asset class is currencies, but it’s not for the uneducated private investor.
A little known asset class is currencies, but it’s not for the uneducated private investor.
Cut Your HR, Marketing & Operation Costs
Paring down expenses at start-up and beyond can put your business on a firm foundation.
Paring down expenses at start-up and beyond can put your business on a firm foundation.
Dealing with Deadbeats
Protect your business from clients who don’t pay
Protect your business from clients who don’t pay
Dealing with the Consulting PAYE
As with many things tax-related, the exceptions often outnumber the rule. This is no different where the use of consultants in the place of full-time employees is concerned.
As with many things tax-related, the exceptions often outnumber the rule. This is no different where the use of consultants in the place of full-time employees is concerned.
Debtor Payment Guaranteed
One of the biggest risks facing a company is late or worse still, non-payment
One of the biggest risks facing a company is late or worse still, non-payment
Default Protection
Single debtor cover protects businesses from customers that pose the greatest risk
Single debtor cover protects businesses from customers that pose the greatest risk
Designed for Entrepreneurs
QuickBooks takes care of the numbers while you take care of business.
QuickBooks takes care of the numbers while you take care of business.
Determining Your Compensation Plan
Take these five factors into consideration when putting together a compensation plan for your employees
Take these five factors into consideration when putting together a compensation plan for your employees
Don’t Be Tempted To Cancel Your Insurance Cover
These may still be difficult economic times, but with criminals targeting smaller businesses, cancelling your insurance policy may not be the wisest move – especially when there are ways to reduce your premiums.
These may still be difficult economic times, but with criminals targeting smaller businesses, cancelling your insurance policy may not be the wisest move – especially when there are ways to reduce your premiums.
Don’t Fall For Internet Scams
Protect yourself from Internet scams, identity theft, urban legends and spam.
Protect yourself from Internet scams, identity theft, urban legends and spam.
Don’t Put All Your Eggs In One Basket
Investment opportunities and proposals abound yet it should always be borne in mind that inherent to every investment is an element of risk.
Investment opportunities and proposals abound yet it should always be borne in mind that inherent to every investment is an element of risk.
Effective Estate Planning: A Legacy That Lasts
Where there’s an estate plan, there are happy heirs.
Where there’s an estate plan, there are happy heirs.
Effective Personal Financial Planning Guide
Having a mental image of what your life will be like at age 50 will enable you to be financially ready.
Having a mental image of what your life will be like at age 50 will enable you to be financially ready.
Emerging Markets Set to Thrive in 2010
Future top companies will be those focused on the domestic consumption of emerging markets.
Future top companies will be those focused on the domestic consumption of emerging markets.
Employer Tax Filing Season 2009/2010
How to ensure that your PAYE, SDL and UIF Reconciliations are completed successfully before 31 May 2010.
How to ensure that your PAYE, SDL and UIF Reconciliations are completed successfully before 31 May 2010.
Ensuring Optimum Insurance Strategies
So you’ve just purchased the ideal commercial vehicle for your needs, and your business is raring to start capitalising on this new asset. But what about the risk?
So you’ve just purchased the ideal commercial vehicle for your needs, and your business is raring to start capitalising on this new asset. But what about the risk?
ETFS: Cheaper Entry, Better Return.
The ease of stock trading plus the benefits of traditional index fund investing.
The ease of stock trading plus the benefits of traditional index fund investing.
Extending Credit
Creating a credit policy is a task more complex than meets the eye.
Creating a credit policy is a task more complex than meets the eye.
Financial Life Savers
Products and services that will help you weather the economic storm
Products and services that will help you weather the economic storm
Flexibility in Growth
To be a giant you have to start with small steps
To be a giant you have to start with small steps
Focus On Investment Fundamentals
If you are confused, you are probably thinking straight.
If you are confused, you are probably thinking straight.
Focus On Value Creation
Work to make your business more and more valuable, and watch the benefits accrue to you.
Work to make your business more and more valuable, and watch the benefits accrue to you.
Get JSE Data By SMS
Have information on the JSE Securities Exchange sent to your cellphone via SMS with Sharenet Mobile Services’ “pay-as-you-use” option.
Have information on the JSE Securities Exchange sent to your cellphone via SMS with Sharenet Mobile Services’ “pay-as-you-use” option.
Get The Right Insurance Cover
Get accurate insurance estimates to protect your assets
Get accurate insurance estimates to protect your assets
Give Credit Where It’s Due
The decision to grant credit is not an easy one, but proper accounting, credit checks and collection systems can smooth the process and reduce your risk.
The decision to grant credit is not an easy one, but proper accounting, credit checks and collection systems can smooth the process and reduce your risk.
Grasping the Tax Olive Branch
Small businesses should take advantage of the tax amnesty being offered by SARS – before it’s too late
Small businesses should take advantage of the tax amnesty being offered by SARS – before it’s too late
How to Improve Your Company’s Financial Management
Effective business owners all know one thing. No matter how great your product, your service or marketing, if you don’t manage your money and run out of cash it will all have been in vain. This is why you need to understand the fundamentals of financial management.
Effective business owners all know one thing. No matter how great your product, your service or marketing, if you don’t manage your money and run out of cash it will all have been in vain. This is why you need to understand the fundamentals of financial management.
How to Structure Salary Packages
How to design and implement remuneration structures that work.
How to design and implement remuneration structures that work.
How Would You Invest R1 Million?
Invest in property to flip, fix up and sell or rent out.
Invest in property to flip, fix up and sell or rent out.
Improved Cash Flow
Cash flow issues keeping you up at night? Instead of throwing money at the problem, try strengthening each part of your supply chain
Cash flow issues keeping you up at night? Instead of throwing money at the problem, try strengthening each part of your supply chain
Income Protection
Your greatest asset is your ability to produce an income and it should be safeguarded.
Your greatest asset is your ability to produce an income and it should be safeguarded.
Informed Credit Decisions: Tools For Surviving
Informed credit decisions can be the difference between success and failure, particularly in times of dramatic downturn
Informed credit decisions can be the difference between success and failure, particularly in times of dramatic downturn
Innovative Financing
Factoring can provide a ‘shot in the arm’ for small businesses
Factoring can provide a ‘shot in the arm’ for small businesses
Insurance Cost Savers
Tips for cutting down on vehicle insurance costs
Tips for cutting down on vehicle insurance costs
Insurance: Covering All Bases
Given that insurance is something your business has to have, you might as well make sure you do it properly when you buy it. Here are some tips to help you get it right.
Given that insurance is something your business has to have, you might as well make sure you do it properly when you buy it. Here are some tips to help you get it right.
Insurance: The Devil’s In The Document Detail
When purchasing short-term insurance, make sure you keep all your documents safe and up-to-date.
When purchasing short-term insurance, make sure you keep all your documents safe and up-to-date.
Investing for the Future
Cautious and sensible financial and lifestyle decisions are needed right now if you want to weather the economic storm and build wealth for the years ahead.
Cautious and sensible financial and lifestyle decisions are needed right now if you want to weather the economic storm and build wealth for the years ahead.
Investing Offshore: What You Need To Know
Americans investing on the JSE have almost doubled their money just since March. Why should South Africans go the opposite direction by investing offshore?
Americans investing on the JSE have almost doubled their money just since March. Why should South Africans go the opposite direction by investing offshore?
Keep The Cash Rolling In
One of the most important areas for many small and medium businesses is that of credit control. Focus on this critical issue by following these 12 points.
One of the most important areas for many small and medium businesses is that of credit control. Focus on this critical issue by following these 12 points.
Keeping an Asset Register
Do you know what you own, where it is and what it’s worth?
Do you know what you own, where it is and what it’s worth?
Leave Your Comfort Zone Behind in Order to Grow
You won't get the results you want unless you push yourself
You won't get the results you want unless you push yourself
Making Money Count
Retire rich: the best way to make your money count.
Retire rich: the best way to make your money count.
Making Sense of Numbers
Doing a presentation that involves numbers? Here's how to bring the stats to life.
Doing a presentation that involves numbers? Here's how to bring the stats to life.
Manage Debt Effectively
These tips can help you reduce costs and boost your cash flow.
These tips can help you reduce costs and boost your cash flow.
Mastering a Cash Positive Mindset
Robert Kiyosaki transfers his wisdom on how to get out of the rat race and into the fast track.
Robert Kiyosaki transfers his wisdom on how to get out of the rat race and into the fast track.
Paid Up On PAYE?
SARS audits often begin with PAYE, so make sure your business toes the line
SARS audits often begin with PAYE, so make sure your business toes the line
Pay Up
What do you do when a client just won’t pay?
What do you do when a client just won’t pay?
Power Struggles
Check the fine-print to see whether you are covered for losses sustained during scheduled power cuts
Check the fine-print to see whether you are covered for losses sustained during scheduled power cuts
Proposed National Health System Off Colour
The NHI aims to ensure that everyone has access to appropriate quality healthcare services, regardless of their ability to pay. Can it be done?
The NHI aims to ensure that everyone has access to appropriate quality healthcare services, regardless of their ability to pay. Can it be done?
Ready for SARS In 2010?
Employers need to take note of the substantial changes SARS has made to PAYE reconciliation and the additional mandatory information required after February 2010.
Employers need to take note of the substantial changes SARS has made to PAYE reconciliation and the additional mandatory information required after February 2010.
Retire in Comfort with Good Planning
How do we know when we have accumulated enough?
How do we know when we have accumulated enough?
Revenue & Growth
When starting out, financial forecasts may seem overwhelming, but you can conquer the numbers with this easy-to-follow guide to forecasting
When starting out, financial forecasts may seem overwhelming, but you can conquer the numbers with this easy-to-follow guide to forecasting
Reverse Factoring Ends SMB Dilemma
One of the cruelest dilemmas facing small and medium sized enterprises (SMBs) is that business with Government or even a single large corporate can drive it into ruin. Often, the SMB is a start-up, or lacks a sizeable balance sheet, meaning it cannot negotiate supplier terms. Nor can it access debtor finance, which is one of the best methods of financing small business. Reduction In Cash Flow Problems. Now, entrepreneurs with a single co...
One of the cruelest dilemmas facing small and medium sized enterprises (SMBs) is that business with Government or even a single large corporate can drive it into ruin. Often, the SMB is a start-up, or lacks a sizeable balance sheet, meaning it cannot negotiate supplier terms. Nor can it access debtor finance, which is one of the best methods of financing small business. Reduction In Cash Flow Problems. Now, entrepreneurs with a single co...
Right Side of the Law
Protect your business by ensuring adequate controls
Protect your business by ensuring adequate controls
Robert Kiyosaki on Keeping an Eye on Your Figures
Numbers that are tracked and reported are numbers that grow. How does your business measure up?
Numbers that are tracked and reported are numbers that grow. How does your business measure up?
Rules for Good Financial Habits
How your money can earn a profit to secure your financial future.
How your money can earn a profit to secure your financial future.
Smart Payment Policies
By closely monitoring the way you get paid, you can take control of your cash flow and avoid coming up short.
By closely monitoring the way you get paid, you can take control of your cash flow and avoid coming up short.
Someone You Can Rely On
When high net worth investors panic and sell out, it’s because they do not trust their financial advisor.
When high net worth investors panic and sell out, it’s because they do not trust their financial advisor.
Staff Wise
Create a platform to help employees manage their personal finance
Create a platform to help employees manage their personal finance
Start Investing Early On
Reap the benefits of compound growth
Reap the benefits of compound growth
Streamlining Budgeting and Forecasts
The accuracy of sales targets is a key element in any company’s budget and forecasting process – sales targets ultimately drive all other budgets and forecasts within the organisation.
The accuracy of sales targets is a key element in any company’s budget and forecasting process – sales targets ultimately drive all other budgets and forecasts within the organisation.
Take Control Of Your Finances
Personal money management a breeze with free online tool.
Personal money management a breeze with free online tool.
Tax Relax: Amnesty for SMBs
How does the tax amnesty for small businesses apply to you?
How does the tax amnesty for small businesses apply to you?
The Art of Investment
Interest in alternative investments such as art is on the increase as people seek safer and more stable alternatives to the highly volatile stock market and money markets
Interest in alternative investments such as art is on the increase as people seek safer and more stable alternatives to the highly volatile stock market and money markets
Thing to Look for in a Payroll Solution
Looking to invest in a payroll solution? Follow these handy tips
Looking to invest in a payroll solution? Follow these handy tips
To advise or to manage?
A look at the role of an asset manager versus that of an investment advisor
A look at the role of an asset manager versus that of an investment advisor
Top tips for Profitable Project Costing
Make sure that every project you take on is profitable. Here's how
Make sure that every project you take on is profitable. Here's how
Topsy Turvey Markets
“The worst performers of 2008 are set to become the best of 2009”.
“The worst performers of 2008 are set to become the best of 2009”.
Trading in Warrants
Warrants are frequently overlooked, largely due to a widespread lack of understanding of what they are, how they work, and how they can be used to make profits.
Warrants are frequently overlooked, largely due to a widespread lack of understanding of what they are, how they work, and how they can be used to make profits.
Traditional and Additional Asset Classes
Nothing is cast in stone, and change needs to be accepted and welcomed wherever possible. Even the Seven Wonders of the World, those ancient and amazing sites, have been reclassified, and some replaced with new discoveries.
Nothing is cast in stone, and change needs to be accepted and welcomed wherever possible. Even the Seven Wonders of the World, those ancient and amazing sites, have been reclassified, and some replaced with new discoveries.
Understanding Cash Flow
Warren Buffet said: “If you can’t manage your emotions, then you can’t manage money.” Managing cash flow wisely is key to keeping one’s emotions in order. Cash flow is the most critical part of any business. This article explores the significance of cash flow and what all entrepreneurs and business managers need to be aware of in their financial planning.
Warren Buffet said: “If you can’t manage your emotions, then you can’t manage money.” Managing cash flow wisely is key to keeping one’s emotions in order. Cash flow is the most critical part of any business. This article explores the significance of cash flow and what all entrepreneurs and business managers need to be aware of in their financial planning.
What's Your Financial Plan?
Steel your nerves and hang in for the long-term
Steel your nerves and hang in for the long-term
Where To Invest A Spare Thousand?
For the cautious investor, RSA Retail Bonds offer a slightly better rate than competitors – but are you simply swapping the risk of volatility for the risk of illiquidity?
For the cautious investor, RSA Retail Bonds offer a slightly better rate than competitors – but are you simply swapping the risk of volatility for the risk of illiquidity?
Which asset managers can beat the market?
There are currently hundreds of unit trusts from which to choose; what you opt for depends on your personal circumstances, so it’s best to consult the experts.
There are currently hundreds of unit trusts from which to choose; what you opt for depends on your personal circumstances, so it’s best to consult the experts.
Why Asset Selection Should Come First
Choose a balance of assets that meet your needs now and into the future.
Choose a balance of assets that meet your needs now and into the future.
Why Budgets Matter
Even start-ups need to forecast and plan – especially now.
Even start-ups need to forecast and plan – especially now.
Why Budgets Matter Especially Now
Even start-ups need to forecast and plan – especially now.
Even start-ups need to forecast and plan – especially now.
Why It's Advisable To Have Your Financials Audited
Private companies can now choose between an audit and an independent review. What are the benefits and drawbacks of each?
Private companies can now choose between an audit and an independent review. What are the benefits and drawbacks of each?
Write An Effective Collection Letter
Get paid while maintaining a good rapport with customers.
Get paid while maintaining a good rapport with customers.
5 Ways to Immediately Boost Profits
No matter how many sales you make, your business will struggle if you don't watch your margins
No matter how many sales you make, your business will struggle if you don't watch your margins
When To Lower Your Price Point
You'll pay the price if you swing the wrong way when navigating the price point waters.
You'll pay the price if you swing the wrong way when navigating the price point waters.
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