Browsing: Finance Tips

Finance Tips Raising_the_bar_Myths_about_interest_rates
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Interest rates affect many parts of our financial lives to getting that home, car or personal loan to even saving. All these things work on interest and this is fact. But with every fact there’s a myth too. So let’s…

Finance Tips Raising_the_bar_Key_ratios_to_analyse_creditworthiness
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Ratios are tools that can be used to assess financial conditions. They may also be best for making comparisons of companies within an industry.  The use of ratios is useful for making decisions about whether to grant credit or not. In addition to assessing affordability, creditworthiness…

Finance Tips
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Bank accounts available for children As a parent it’s important to choose the right bank account for your child and to help them manage it properly. Banks in South Africa are doing a poor job of teaching and incentivising children…

Finance Tips
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Bankruptcy enables recovery from financial setbacks and for people to begin getting back on track financially. It is also regarded as a legal dismissal of debts. The term is often used interchangeably with the term “insolvency,” even though they don’t…

finance
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Credit analysis is a process used by lenders to gather vital data about applicants. This is analysed before finance is granted. The necessity of these techniques lies in the fact that not all applicants qualify for credit due to a…

Finance Tips
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How much will a divorce cost you? In South Africa, the divorce process is relatively straightforward. Normally lodged in the High Court, parties normally have to wait a long time for their divorce matter to go to trial when their…

Finance Tips
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Creating a budget and how to use it Keeping track of one’s finances can be challenging without the right tools. For many people, the idea of keeping track of their finances rarely includes a budget. What is a budget? A…

Finance Tips
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The 5 Cs of credit are useful tools used by credit analysts when assessing the amount of risk that a borrower has, during the credit application process. For any lending institution, minimal risk involved provides the ideal lending arrangement. It’s…

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