The Cost of a Bright Future

Education in South Africa is fast falling victim to increasing living expenses that outstrip salary increases. Typically, the cost of education increases at 9% per annum, much higher than the current inflation rate, meaning that the cost of education is rising faster than salaries. According to the General Household Survey published last year, 74% of people aged seven to 24 ...

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Benefits of Taking a Commercial Mortgage

Understanding commercial mortgages A commercial mortgage refers to any loan you take on a property that is not you primary place of residence. Although the term is mostly used to refer to property meant for business purposes, it also includes other types of property acquisitions such as when you take a mortgage on a property you intend to let. In ...

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Mind the Gap: Swing Trading Meets the Gap

Price gaps are a common phenomenon in financial instruments and are reflective of a substantial change in the underlying technical or fundamental outlook.  This is a pattern that occurs across almost all financial assets including foreign exchange, stocks, commodities, and futures.  A price gap is typically indicative of a widening of the spread that occurs after a major announcement.  For ...

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Five Skills to Develop if You Want to Become a Manager

Being a manager can be a difficult job, and it requires that you work hard and develop many important skills. If you are aspiring to be a manager, make sure you work to develop the following skills so you can succeed. We asked the experts at Hajoca’s management training program what skills those aspiring to leadership positions should focus on ...

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Bitcoins: Why all the Fuss?

There’s been a lot of talk about Bitcoins in the financial world recently and while some people immediately embraced the excitement of a new digital currency, many have continued to shy away from it because of a lack of any real understanding of what it is and how it actually works. Are you really missing out, or are Bitcoins just ...

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Things to Consider When Working Out What to Save for Your Retirement

Retirement is, in many ways, something most people look forward to. Without needing to go to work every day, you have time to travel, spend time with your family, and work on hobbies you may never get enough the time to enjoy whilst working. However, with all the doom and gloom in the media about how many people no longer ...

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5 Ways to Cancel Student Loans Apart from Consolidation

The most conventional way to get out of student loan is to clear them all. However, paying them all is not the only way to get out the problem; there are several alternatives to student loan consolidation, which can eliminate the burden of student loan. Each of the following five ways offers a distinct approach towards debt elimination in terms ...

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You’ll Never Believe How Simple Saving a Home Deposit Can Be

Once upon a time, buying your first home would have been a natural and expected step in life for many people. But now, owning a home feels out of reach to the people who would have been able to do it years ago. Some people may always struggle to own a home, but for others there’s one main obstacle getting ...

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