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Legal tips for online shoppers
Your rights and responsibilities when shopping online
OVER 70% of South Africans choose where to shop based on special offers. However, with half the population having fallen victim to scams of various kinds, vigilance is crucial.
Fittingly, the theme for this year’s World Consumer Rights Day, which took place on 15 March 2026, was Safe Products, Confident Consumers. It’s a timely reminder that, while great deals are tempting, shoppers need to know their rights and take steps to protect themselves.
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How to build a healthy credit score
A decent credit score unlocks credit availability and the best interest rates
YOUR CREDIT report is your financial track record, and your credit score is the mark you get for it. The best way to build a healthy credit record is to start with smaller retail accounts (clothes or pharmacy), or a credit card with a low limit.
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Futures contracts: Swings and roundabouts
Speculation or risk mitigation? This instrument can do both!
What are futures?
Futures are financial contracts that allow two parties to agree on the price of an asset today, with the transaction taking place at a specified date in the future.
Although the concept may initially seem complicated, it is built on a simple idea: locking in a price now to reduce uncertainty later, or to take advantage of expected price changes.
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No bank, no bucks
SARS refunds stalled for many South African expats
“YOUR INCOME tax refund is on hold because your banking details on SARS records are invalid.” This is hardly the message one hopes to receive from SARS once you’ve finally got your return submitted.
Yet, this scenario is becoming increasingly common, particularly among South African expats and former residents who have left the country and closed their local bank accounts.
The situation is often compounded where taxpayers have failed to update their contact details with SARS, resulting in important correspondence going unnoticed.
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SEZs: Commercial reality to determine access to tax incentives
The 2026 Budget signals a reset for SA’s Special Economic Zone tax regime
SOUTH AFRICA’S Special Economic Zones (SEZs) are set for reform, following signals in the 2026 Budget Speech that the government intends to refine the country’s incentive framework and align it more closely with modern global tax standards.
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Women and wealth
What stands in their way … and how to overcome it
YOU’VE PROBABLY heard the saying, “The rich become richer, while the poor become poorer”. It’s about how uneven financial progress can be.
One of the reasons behind financial inequality is the gender pay gap, but the wealth gap is even more revealing. It explains why disparities persist between the rich and the poor.
Wealth – your assets, savings, property, and retirement provisions – is the true measure of long-term financial security.
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