BRAIN DRAIN: HOW DO WE STOP IT?

The backbone of large economies is directly related to the level of skills of their labour force. Highly industrialized and technologically advanced nations such as the United States of America and Japan continue to boast good economic results as they bare a technically proficient and

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WOULD YOU INVEST IN A S12J VCC?

One major differentiator between wealthy and middle class citizens is access to information. Information asymmetry in economics, is defined by Wikipedia as the study of decisions in

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PROPERTY STOKVELS A GAME CHANGER

Generational wealth is a concept that has been reserved for a select few in South Africa. Notable families such as the Motsepe’s, Rupert’s and Oppenheimer’s have 

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BLACK TAX, A PAINFUL REMINDER OR AN ACT OF NOBLENESS

According to Niq Mhlongo, author of “Black Tax a burden or Ubuntu”, the term Black Tax was coined in the year 2000. It is a term that refers to a mandatory payment borne by Black middle-class citizens in assisting the individuals that Read More

SURVIVING JANUWORRY

January… you cannot mention the month without cringing at the idea of early mornings, weight gain and most importantly a tight budget. The moment the euphoria of the December holidays wears off, queue in the hangover that is January. Increased spending Read More

ARE MILLENIALS STILL RISK AVERSE IN 2019?

Millennials, people between the ages of 23 and 38 are some of the most risk averse individuals in modern day investing. With the fountain of youth and a vast variety of investment opportunities, millennials maintain a conservative approach to risk and investing.  A study done in 2014 by the Brooking Read More

YOU MIGHT NOT WANT TO CLICK THAT ATTACHMENT: SOCIAL MEDIA INFLUENCING IN A CYBER RISK WORLD

In the olden days a business would have to advertise in a Newspaper, take out an ad on radio and create commercials on television in order to broaden their customer base. This form of advertising worked extremely well for an extended period of time and created lots of revenue for businesses. Fast forward to 2019 and the whole marketing landscape has shifted. Read More

The South African Informal Sector a haven for the poor to middle class citizens

The informal sector is a necessary feature in even the most industrialized capitalist economies in the world. Its’s impact on the economy has either been overlooked or frowned upon by economic analysts and commentators alike. Notably, the demeanor of researchers can be likened to the bourgeoisie as depicted by Karl Read More

CREDIT RELIEF BILL: IS IT A VIABLE OPTION IN A FINANCIALLY ILLITERATE SOUTH AFRICA?

Cyril Ramaphosa recently signed into law a Credit Relief Bill that would expunge the debt of individuals who have been deemed unable to repay their loans. As noble a feat this is, detractors are of the view that due to low levels of financial literacy in South Africa, there is a high probability that the same individuals will amass the same debt in future. Full Analysis on this link Read More…

Crowdfunding As A Tool For Raising Capital For Entrepreneurs

Raising capital for entrepreneurs is the single most difficult step in establishing a business. Historically, entrepreneurs would be compelled to source funds from a bank or a wealthy individual who would in most cases require controlling equity in the venture. With crowdfunding, where people pool funds to raise capital for an idea that might or might not succeed is the more modern way of sourcing much needed funds. I dissect what crowdfunding is and its benefit on Read More…

Marjuana: The Savior of Job Creation

The stigma around Marijuana and its negative connotations has numbed policymakers to consider its use as a mechanism to create growth. In the United States of America, it is one of the fastest growing markets with benefits of increased employment and GDP growth. Should South Africa not employ the same policy for growth? Analysis on the link below Read More…