BUSINESS AND ECONOMICS

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…

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…

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…

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…

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…

DO WE REALLY NEED FEMINIST IDEALS ENDORSED AS ECONOMIC POLICY?

Feminist economics is one of the most exciting branches of economics in the modern day era. Regardless of the vast definitions and general feel about the field of study, its propositions are not without merit. The Women’s Budget Group define feminist economics as…

PERSONAL FINANCE

BALANCE? PAID

Young, Gifted and Black (YGB). This is not only a title to a song by American singer-songwriter Nina Simone, but it is a title to an album by the quintessential definition of “Black Girl Magic” herself, Aretha Franklin. When one is referred to as YGB, it comes with a sense of…

IS DECISION FATIGUE PREVENTING YOU FROM SAVING?

The year is 2014, the time is 10 am, and the date is the 17th of May, the day I was born. A few days before my 21st birthday I was asked an earth shattering question, do you want a party or do you want cash? I am not really one for parties and celebrations so I opted for the money instead. I don’t remember the exact amount but it was…

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…

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…

ILOBOLO MADE EASY

It is 6 am in the morning in the middle of nowhere, my uncles have been standing outside my fiancee’s gate for a good 3 hours. They have made so many attempts to reach out to her family to no avail. The sun is scorching hot and…

PERSONAL DEVELOPMENT

PURPOSE

“The two most important days in your life are the day you are born and the day you find out why”. This quote by American writer Mark Twain is truly a significant contribution to the literature around purpose. Interestingly, whenever I ask people what their purpose is, or what their contribution to the world is beyond keeping up with…

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…

INFORMATIVE

DO WE REALLY NEED WOMEN IN THE WORKPLACE?

If you are SHOCKED at the title of this article relax, I promise that if you read to the end you will be even more shocked at yourself this time. There has been a lot of debate all over the world around the benefits of investing in women and girls and having women in…

DRINK 2L OF WATER BEFORE YOU MOVE OUT OF HOME

There comes a time in your life when you wake up one morning and think, “It is time to move out of home”.  I have had enough. You are probably tired of having to always cook a full meal and sometimes you want to go to bed with a bowl full of…

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 and…

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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WOMEN ENTREPRENEURSHIP: THE MYTH DEBUNKED

On the 3rd of March 2020, I was tasked with giving a presentation on the success ratio of SME’s in creating growth and reducing unemployment in developing countries. The subject is relevant not only because it was a “hot topic” in the recent SONA but there will always be a…

THE EFFECT OF CORONA ON CYBER THREATS

Covid_19 or the Corona Virus as it is affectionately known has not only affected the health of individuals, plummeted local and international stock markets but its effects on cyber security could have drastic ramifications if individuals and businesses alike do not…

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