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Dit is nou duurder om dood te gaan

Boedelbeplanners en administrateurs moet kennis van die onlangse kosteverhogings neem. Meestersgelde, BTW, boedelbelastings- en skenkingsbelastingskoerse is verhoog. In die Minister van Finansies se onlangse 2018-begrotingstoespraak het hy die verhoging van BTW van 14% na 15% met ingang van 1 April 2018 aangekondig. Die meeste professionele eksekuteurs en trustees behoort geregistreerde BTW-betalers te wees. Eksekuteursfooie is …

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All that budget bollocks! by Dawie Roodt

Many words were used to describe the budget. They include “balanced”, “difficult but fair”, “understandable”, “conservative” (a major bank), “the price of the Zuma-years” (an analyst), “we had no option”, “balanced act under circumstances” (SACCI), “inevitable and enough to prevent a downgrade” (Raymond Parsons and PwC), “stabilise debt” (a journalist), “necessary bitter pill” (OUTA), “tough …

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The new dominant class, and how they will squeeze you yet again

An interesting article by Dawie Roodt.  “It’s budget time again and economists and analysts are expected to say what they think the minister of finance will announce in his speech. This is also a time when economists get the opportunity to “advise” on all things fiscal: taxes, state spending, borrowing, debt, key ratios and mysterious things designated by incomprehensible …

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Four questions for 2017

As we exit 2016, I would like to share with you the following well written article by Izak Odendaal, Economist at Old Mutual Multi-Managers – expanded on by Private Client Securities – Four questions for 2017. Please Read on…

Does Financial News Matter?

Warren Ingram, CFP says financial news is noise: It might seem strange for a person who appears regularly in the media to state that financial news is noise.  I feel that very little financial reporting contains valuable information.  Real-time financial news actually inhibits good financial decision-making.  Most investors would be better off if they ignored financial …

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Has the outlook on tax planning in retirement changed?

Matthew Lester looks at ways to cut retirement income requirements so that less tax is payable to SARS. In times gone by the universal approach adopted when retiring or withdrawing from a retirement fund (pension, provident or retirement annuity fund) was ‘take one-third of the capital in cash and the rest as an annuity. When dealing with provident funds, …

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The consequences of the currency by Dawie Roodt

  Not too long ago certain labour movements, political parties and even a few economists called for “a weaker currency”. Now we have one; their silence is deafening! Obviously a weaker currency will make it easier for exporters to compete internationally. Their input prices mostly remain rand based while they receive dollars (or another “hard” …

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Comprehensive Research by Alexander Forbes reveals startling facts

I recently attended an interesting presentation by Alexander Forbes regarding one of the most comprehensive research exercises ever done on employee benefits in SA. The “Alexander Forbes Benefits Barometer” has been published “against the background of government concerns that South Africa has one of the lowest savings ratios in the world. For example, the current …

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This Christmas there’s no such thing as a free pudding!

I have found this little economic “exercise” delightfully interesting – with Christmas hardly a fortnight away! Upon closer examination of the “menu” and after reading the notes at the end, I have decided not to “skip the pudding” over the festive season, but rather tighten my “financial belt” (budget effectively) and invest my savings in …

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The Importance of a Financial Adviser

Many investors approach financial service providers directly because they believe they can get a better deal by cutting out the ‘middle man’, the financial advisor. Getting appropriate financial advice is, however, essential to your financial wellbeing.  Read on …