Johannesburg, December 10th 2019:- Whether you live in a house or flat, if you’re going away soon, then follow these tips.So it’s finally December and you’re going on holiday after the nightmare demanding year that was 2019. Such joy! Such relief! But what happens to your home while you’re away? It’s no secret that many people go on holiday at this time of year and their homes might be more susceptible to break-ins. We’ve rounded up a few tips so you can have peace of mind while you’re away on holiday. “Christmas season is the best time of the year. It’s a time for family, friends, and lots of merriment. Sadly, statistics also indicate that burglaries around this time of the year spike exponentially. This has a lot to do with the fact that burglars are aware that there are lots of gifts in the house and probably extra money lying around. “Says Shaun Rademeyer, CEO of MultiNET Homeloans. Keeping all of that in mind, we’ve put together a list of tips for you to protect your home and keep it secure during the holidays. Make Sure Gifts Aren’t Visible From Outside It’s such a common sight during this time of the year – a frosted window from which you can see a beautiful Christmas tree all lit up, with dozens of gifts underneath it. This sight is enough to make a potential burglar size up your house. With all those gifts in plain sight, how are they supposed to resist? That’s why you need to make sure that your tree and the gifts underneath it are not visible from outside. Remove temptation and you reduce the chances of becoming a burglary victim. Watch What You Post on Social Media Potential burglars are like hawks on social media. They look through posts seeking out information on the types of gifts people have gotten, or when they plan to leave their homes for Christmas shopping or for vacation. The information you choose to post online can be used against you. Therefore, take care not to post about valuables that may be in your home …
Apply for funding for your business before 13 Dec and stand to win R500 000 for your business
How could R500 000 impact your #business? Your #FriendsInFunding (that's us!) are making it happen for one South African business. Complete a funding application before 13 December to enter. Apply now... https://www.lulalend.co.za/?a=W3ApGj7o What are my Business Funding Options with Lulalend? Depending on your business needs, and eligibility, we offer multiple options for you to access working capital quickly and easily. We offer fixed term loans of up to R1,5 million that can be repaid over 6 or 12 months through our flexible repayment options. An added benefit is no early repayment fees. For eligible customers we also offer a Credit Facility that gives you the opportunity to withdraw funds, up to your agreed credit limit, as and when needed without having to re-apply. This highly convenient option provides you piece of mind, knowing you have immediate access to funding whenever you need it. To apply for funding your business needs to have been operating for at least 1 year and be making an annual turnover of R500 000. If your business has been operating for 1 year with an annual turnover of 500 000.00 and you require funding please feel free to apply. Fast and easy Small Business funding What will I pay? We've simplified the lending process with our 6 Month Plans. Every month, for six months, you pay back 1/6th of the total advanced amount plus the monthly cost. Costs are 5% - 12% of your selected amount for the first 2 months and 1% for each of the remaining 4 months. You can pay early and save. N.B: We will require a copy of your company's incorporation / registration as well as last 3 to 4 month's bank statements & a colour copy of your national ID Apply now https://www.lulalend.co.za/?a=W3ApGj7o To your success, Mark Waite Mobile & WhatsApp: +27 81 271 4228 Email: markjw1959@gmail.com https://za.linkedin.com/in/markjohnwaite …
We explain your insurance premium increases
By Katherine Liese, Marketing Head at 1Life Everything you need to know about when, why and by how much your insurance premium will increase. To help you plan ahead for your insurance premium increases we’ve found out all you need to know so you can have some clarity when it comes to your insurance policy. What is a premium increase? A premium increase - also sometimes called an escalation - is the amount your monthly premium will increase by on a certain date. This may be a set amount such as R100, or a percentage such as 5%. An example: You pay R250 a month for R750 000 life cover. Your premium increases by 5%, so the premium increases by R12.50 to R272.50. Why do premiums increase? There are two main reasons: 1. Your risk changes Your long-term insurance premium is calculated by your insurer based on the risk (probability) of you having an accident, becoming disabled, suffering a dread disease or passing on earlier than expected. Insurers will look at your age, health, occupation and other factors to determine this risk. If your risk changes, your premium may change. An example of this is aging – we are more likely to become ill as we get older, so premiums are increased to cover this risk. Another reason your risk may change is if you take up smoking, which can reduce your life expectancy. Of course, if you give up smoking you may qualify for a lower premium! So, risk is why most long-term insurance premiums increase over time. 2. Your cover increases When your sum assured increases you have more cover, and this increased amount of cover will cost you a little more. Some policies have built in annual increases in cover such as the sum assured increasing by 3% each year. There are pros and cons to this. The pro is that it means your cover can increase without you having to undergo any further underwriting. However, the con is that the increase percentage may not reflect your true insurance needs. For example, your cover may increase by …
Tax Returns
Earning interest - Make sure that all sources of income are disclosed to SARS and that there is a workings table to arrive at the totals submitted to SARS. Use a tax practitioner as the fees paid to tax practitioners may be and probably will be deductible against your taxable interest. Make sure you are a registered as a provisional taxpayer. Submit your provisional returns each August and each February and don’t be late Pay your taxes before the deadline which is the last working day of August and the last working day of February each year. Getting this wrong could mean a penalty. Submit your provisional return using a reasonable calculation but at least use the basic amount as when this is done, your risk is lower. Don’t try and pay the above amount when filing the return after year end (which is when returns are filed) as this could mean a penalty of up to 20% + interest. Claim any tax practitioner costs incurred in filing your return if the fee is not more than the taxable portion of the interest. CLICK HERE to submit your press release to MyPR.co.za. …
10 Reasons Why Africa Will Set the Pace for Bitcoin Adoption.
Johannesburg, November 25 2019: As it stands at the moment, Africa is lagging behind the rest of the world when it comes to the adoption of Bitcoin and other cryptocurrencies. View Bitcoin Price to South African Rand. Africa’s interest in the currency is not translating into real-life use, and there are a variety of reasons why this is the case. Crypto experts are noticing something that could change this current start of cryptocurrency and there are even economists who are predicting that these currencies will be the next big economic innovation that will have a positive disruptive influence. The many advantages that the average African will experience are the exact reason why widespread adoption of Bitcoin is a likely reality. Open a Free Bitcoin Wallet here. 1. Pegged against the dollar Even the strongest currencies in Africa struggle against the US dollar, the primary currency in which Bitcoin is traded. The Rand, in particular, is struggling more than ever, depreciating as the country tries to solve its current economic woes by simply creating more. Many Africans are looking for a way to add more value to their money and by converting cash into cryptocurrency, or by taking the extra step and mining it themselves, they can do just that. 2. Instant payment between people Awaiting payment slows down businesses and often some of the biggest banks on the continent have a delayed payment protocol while they do offer instant payment at an additional cost. Instant payment benefits both the payer and the payee and with cryptocurrency, this aspect is greatly beneficial to e-commerce in particular, which in emerging economies can go a long way towards encouraging entrepreneurship. 3. Secure encrypted wallets More than 2 million people already have a secure Bitcoin wallet, which means there are already 2 million people ready to trade. Unlike the risks involved with cash and card transactions, Bitcoin and other cryptocurrencies are safe to …
Today’s Business Of Technology And How It’s Affecting Tomorrow’s Trading
Technology is fundamentally changing our relationship with money. Fact. What we do for entertainment, how we get from point A to point B and even the most mundane routines such as grocery shopping are exponentially changing, on a daily basis. We are also seeing substantial changes in our relationship with money, specifically in the way we manage our money. Technology and innovation has advanced in leaps and bounds, to the point where it truly is hard to ignore. The impact that advanced technology has had on the business and finance world has quite literally turned it on its head. One of the key areas where we are seeing such change is in the investment and trading landscape. With revolutionary changes in the way people buy and sell assets on the financial market, as well as the way brokers conduct their business, technology has become intrinsically woven into the financial lives of most investors and traders. Investing is becoming available to everyone, meaning that anyone can trade and invest online because of the increased levels of transparency; with a click of a mouse people can get a clear and extremely in-depth view of what they are investing in. We are also seeing a definite trend towards managed funds and automated trading systems, as well as a shift towards global investing. No longer are people confined to the borders of their own country when it comes to their investment choices. These technological advancements are fundamentally changing the way we are managing our money. Take for example access to the internet. The internet has without a doubt been one of the most disruptive technologies in history. This information highway has broken down all borders; now people can invest in international markets, and more importantly, international companies such as Amazon and Coca Cola. It has had a profound impact on our lives and has created a major paradigm shift. With a literal smorgasbord of information right at our fingertips, the way that information is …
Smart Trade College
Trading stock and capital can be a very lucrative industry if you’re fully aware of what to expect from the market. Despite being a novice trader, other factors can have an impact on successfully trading and gaining/maintaining a profit. For many traders, politics can cause a shift in their trading decisions. Consequently, what’s going on in the political arena can cause the stock and capital market to rise or plummet. Discover the current effect of politics on the stock and capital market. At Diversit-e Smart Trade College, we’ll help you navigate the instability of the stock and capital markets. We specialise in teaching our clients consistency in the trade network. Gain insight on many typical global political events that can influence the market or affect you as a trader by joining the Diversit-e Smart Trade College. Discover a supportive course that teaches clients how to trade the smart way. CLICK HERE to submit your press release to MyPR.co.za. …
Income and wealth not the driver for prosperity in high-growth markets, finds new global study
Three-quarters of people with a below-average income for their country report feeling prosperous Six in ten people across high-growth markets say access to financial services has helped improve their prosperity Three quarters think their government has a responsibility to improve access to financial services A landmark study into the relationship between financial services and prosperity across high-growth markets around the world has revealed that people’s definition of prosperity is more linked to financial security and peace of mind than to current income and wealth. The research by PayU, the payments and fintech business of Prosus - spun out from global technology investment giant Naspers - found that three-quarters of people in high-growth markets do not identify wealth and income as a driving factor of prosperity. In fact, three-quarters of people with a below-average income for their country report feeling prosperous. Instead, the top drivers for prosperity are being happy with your life, good health for your friends and family, having a good and stable job, and having enough savings for the future. Only a quarter of people in high-growth markets view wealth as a top factor for prosperity, with this rising to 36% in the Middle East and Africa and dropping down to 9% in South America. Health united all high-growth regions, however, ranking as the top factor driving prosperity across Asia, Latin America, Africa and Eastern Europe. PayU’s Financial Prosperity Barometer: Perceptions of prosperity in high-growth markets found that access to financial services is key to people’s prosperity. The study of over 10,000 consumers revealed that six in ten people believe financial services have helped them become more prosperous. Nine in ten people were able to directly recognise the benefits of financial services, ranging from depositing money and transferring money to saving and growing their money. According to the study, people find it easier to …
What are my Business Funding Options with Lulalend?
What are my Business Funding Options with Lulalend? Depending on your business needs, and eligibility, we offer multiple options for you to access working capital quickly and easily. We offer fixed term loans of up to R1,5 million that can be repaid over 6 or 12 months through our flexible repayment options. An added benefit is no early repayment fees. For eligible customers we also offer a Credit Facility that gives you the opportunity to withdraw funds, up to your agreed credit limit, as and when needed without having to re-apply. This highly convenient option provides you piece of mind, knowing you have immediate access to funding whenever you need it. To apply for funding your business needs to have been operating for at least 1 year and be making an annual turnover of R500 000. If your business has been operating for 1 year with an annual turnover of 500 000.00 and you require funding please feel free to apply. Fast and easy Small Business funding Apply now... https://www.lulalend.co.za/?a=W3ApGj7o What will I pay? We've simplified the lending process with our 6 Month Plans. Every month, for six months, you pay back 1/6th of the total advanced amount plus the monthly cost. Costs are 5% - 12% of your selected amount for the first 2 months and 1% for each of the remaining 4 months. You can pay early and save. N.B: We will require a copy of your company's last 3 month's bank statements & a colour copy of your national ID Apply now https://www.lulalend.co.za/?a=W3ApGj7o To your success, Mark John Waite Mobile & WhatsApp: +27 81 271 4228 Email: markjw1959@gmail.com https://za.linkedin.com/in/markjohnwaite …
How to deal with rejection as a sales agent
The average sales agent goes through 180 ‘No’s’ before finally they get a ‘Yes’. It’s no secret that rejection is one of the hardest – if not the hardest – aspects of professional selling. Ronica Moodliar, one of the General Managers at Talksure says, “Telesales is not an easy job. Hearing the word ‘No’ daily, can leave one feeling rejected, demotivated and frustrated. Not only that, the fear of rejection can sometimes be greater than the actual rejection itself, often paralysing agents which affects their performance.” She adds that interestingly, the moment an agent makes a sale, those feelings simply disappear (much like holding a baby in your arms after the agony of child birth!) “There is no feeling like it and it makes all the hardships worthwhile.” So, is there a better way to deal with rejection? Ronica believes there is and says that the difference between an average sales agent and a High Roller (a top sales agent), is their ability to deal with rejection. “You see, High Rollers understand that rejection is inevitable. They accept rejection and instead of trying to avoid the No’s, they use them to their advantage.” She offers the following 5 top tips to deal with rejection: 1. Understand the industry: The average South African receives about 15 cold calls a month so it’s safe to say that the sales industry has grown substantially over the past decade. Customers who have buying power, know what you are going to say, they know your pitch and they know that you are going to try and overturn their objections. 2. Your first 5 seconds are critical: You need build trust with your customer and quickly! Making them smile from the onset will buy you a few additional seconds while you focus on explaining the value that your product or service can deliver. Then you need to listen. Like really listen. Focus on understanding what they need and then deliver accordingly. 3. Dealing with the ‘No’s’ before the ‘Yes’: Expect the ‘No’s’, it will make your …