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- Volume 2009, Issue 344, 2009
Personal Finance Newsletter - Volume 2009, Issue 344, September 2009
Volumes & issues
Volume 2009, Issue 344, September 2009
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Sunlight 2-in-1 : ASA overturns ruling : comment
Author Steven JonesSource: Personal Finance Newsletter 2009, pp 1 –2 (2009)More LessIn last month's issue of Moneyweb's Personal Finance (August 2009), we published an article headed "The Great Consumer Rip-Off", in which the writer indicated that Unilever's product "Sunlight 2-in-1" did not live up to its claims of being both a washing powder and a fabric softener in a single product.
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The equity earnings leap of faith : markets
Author Shaun Le RouxSource: Personal Finance Newsletter 2009 (2009)More LessThe market undertone is decidedly more bullish these days. It is clear that the worst of this particular economic crisis is behind us, and it is likely that the first quarter of this year will have marked the low point for both markets and economies around the world.
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Car allowances under siege : tax
Author Steven JonesSource: Personal Finance Newsletter 2009, pp 3 –4 (2009)More LessCar allowances as a taxreduction tool are under siege, if the proposals contained in the 2009 Taxation Laws Amendment Bill are anything to go by. But unlike changes that have been introduced in recent years, which have been aimed at tightening up on perceived abuses at the claim stage, one of the proposals is likely to hit your pocket each month as well.
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What property lawyers do for their money : property
Author Heather BriggsSource: Personal Finance Newsletter 2009 (2009)More LessConveyancing atoorneys play a vital role in the registration of every property transfer or bond, but their role is often misunderstood. Furthermore legal fees are often a hidden cost that may come as a surprise to first-time buyers. Heather Briggs of Shepstone & Wylie Attorneys gives the low-down for first-time property buyers.
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Times may be tough, but keep your credit record clean : your money
Source: Personal Finance Newsletter 2009, pp 4 –5 (2009)More LessConsumers are advised to keep their credit record clean, even during the current economic climate, as this will boost their credit-worthiness in the future.
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The illusions of gold mining profits : markets
Author Barry SergeantSource: Personal Finance Newsletter 2009, pp 5 –6 (2009)More LessLike rabbits in strong headlights, equity investors with a gold bent continue to chase increasingly challenging cash margin compression.
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Performance = flows? : investment insight
Author Greg FlashSource: Personal Finance Newsletter 2009 (2009)More LessIn a recent examination of the flow of investor's cash into and out of the various different fund categories for various different periods. What was concluded was that money was still going into money market funds, even with the recent massive rally in equity markets. In this article I will look at the flows into / out of retail equity funds (Domestic General, Growth, Value and Large Cap funds) and compare this to their performance in order to determine if there is any correlation between the performance of a fund and its resultant flows.
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SA's house prices are on the rise again - at last : property
Author Andrew WattSource: Personal Finance Newsletter 2009 (2009)More LessHas the bottom been reached in the current residential property cycle? The statistics seem to indicate that this may be the case. Although Lightstone's National Repeat Sales house price inflation is still slightly negative year on year, it appears that the House Price Index bottomed out at the beginning of 2009 and that house prices are actually now on a modest upward trend.
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We all need to take a new look at retirement : investment insight
Author Mark CliffSource: Personal Finance Newsletter 2009, pp 9 –10 (2009)More LessThe first "pension" was introduced by Otto Eduard Leopold von Bismarck, Prince of Bismarck, Duke of Lauenburg, Count of Bismark-Schönhausen in the Kingdom of Prussia via a piece of legislation called the Old Age and Disability Insurance Bill of 1889.
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Tax planning : "Game Over" for salary-earners? : tax
Author Steven JonesSource: Personal Finance Newsletter 2009, pp 10 –11 (2009)More LessEvery taxpayer has an inherent right to arrange their affairs in such a way as to minimise their tax liability. While this right has been confirmed many times by the courts, the question one should ask now is : Is it still possible to do any sort of tax planning at all, given all the recent changes that have taken place, with more to come?
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Still sitting on cash? Oops ...
Author Warren IngramSource: Personal Finance Newsletter 2009, pp 11 –12 (2009)More LessStock markets have staged a very nice recovery since their lows in March this year.
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Low-hanging fruit : your money
Author Steven JonesSource: Personal Finance Newsletter 2009, pp 12 –13 (2009)More LessThere's few things like a midlife career change that can focus one's mind on whether there'll be enough in the kitty for retirement - especially when the earning potential of your second career is somewhat less than the one you left behind. In fact, I worked out the other day that looking at future earnings foregone over the next 25 years until retirement, expressed in today's money, the decision to become a Methodist minister has cost me R15 million!
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Don't buy property when you're about to divorce : property
Author Lanice StewardSource: Personal Finance Newsletter 2009 (2009)More LessRecent months in the Anne Porter Knight Frank sales experience have once again shown just how complicated house sales can become when they are caused by a divorce, says Lanice Steward, MD of Anne Porter Knight Frank.
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National health insurance : a policy doomed to fail? : comment
Author Khosie ThomSource: Personal Finance Newsletter 2009 (2009)More LessA comprehensive National Health Insurance (NHI) scheme, aimed at broadening access to health care, is a laudable objective - but is it financially feasible? According to many analysts, the R100 billion figure thrown around as the cost taxpayers will have to pay for NHI is grossly inaccurate.
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Pension Fund Adjudicator scorecard to hold funds accountable ... : pension funds
Author Mamodupi MohlalaSource: Personal Finance Newsletter 2009 (2009)More LessThe Pension Adjudicator (PFA) has launched a scorecard that will keep pension funds and administrators in check by tracking the number of complaints each fund processes, and the time taken to process these complaints.
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Income-chasers : property will beat bonds, cash : markets
Author Denise MhlangaSource: Personal Finance Newsletter 2009 (2009)More LessInvestors who need a source of income and capital growth over time are better off choosing listed property, is the message from analysts.