South Africa’s shift to a tighter inflation target—from a 3–6% band with a midpoint of 4.5% to a 2–4% band centered at 3%—has meaningful implications for the average household, especially around interest rates and the cost of living. The key idea is that a lower, more...
– What’s happening: Micro lenders in South Africa say the current interest-rate environment isn’t profitable anymore. Their funding costs and risk, plus rules meant to protect borrowers, make it hard to earn enough from small loans. – Why this hurts...
Some scammers in South Africa are getting really good at fooling people with emails. They pretend to be your boss, a colleague, or a trusted supplier, and they almost sound like they’re real. How they trick you – They send fake invoices or payment requests and...
From my perspective, several intertwined factors contribute to the financial strain faced by young South Africans today. High Unemployment and Underemployment The job market struggles to absorb graduates, pushing many into low-wage or temporary roles that don’t...
The world is changing at such a pace with the takeover of AI. Many Jobs as we know them, will very soon, if not already, be defunct and or obsolete. My practice in financial planning could be affected. So I turned to AI and asked for a point of view. Here’s a...