Archive for July 3rd, 2009

True Friendships Are Special Gifts That Last Lifetimes

July 3, 2009 No Comments

“Savor your friendships as you grow old; many are silver, but one is pure gold.” This is sage advice for those who have been fortunate enough to find that one true friendship. Or perhaps you have maintained friendships from your days in elementary school. Whatever the case, friends are precious gifts we give to ourselves.

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How To Determine What You Want In Life

July 3, 2009 No Comments

Most people don’t discover what they want in life until it’s time to die – and that’s a shame. Most people spend the best years of their lives watching television or doing things they dislike. An author described humanity by saying, “Most people die at twenty and are buried at eighty.” Are you one of the living zombies? What do you really want in life?

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BOOK REVIEWS “We need to talk” – Tough Conversations with your Employee

July 3, 2009 No Comments

A book like Tough Conversations with your Employee is a good starting point to learn the skill of confronting difficult situations and conducting the necessary conversations with skill; even if they are terrifying.

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Turning off paper in business

July 3, 2009 No Comments

Many organisations are discovering truth in Kermit the frog’s famous statement: “It’s not easy being green.” Being green is no longer a “nice-to-have” initiative or simply the right thing to do; it has become a strong indicator of business respectability that is starting to impact the bottom line. Organisations are under pressure from all sides to show progress in their environmental strategies.

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OTHER ADVANTAGES OF UTILISING YOUR HOMELOAN AS A SAVINGS ACCOUNT

You will have seen from the examples above that you can save thousands of Rands and settle your bond...

PAY YOUR INSTALMENT AS SOON AS POSSIBLE, PAY IN ADVANCE, AND NOT ARREARS

If you change jobs and your payday changes, ensure that you notify the bank immediately. Paying just 2 day...

BUY WELL WITHIN YOUR MEANS

A lot of people make the mistake of buying a house very close to the maximum for which they...

DO NOT ALLOW THE BANK TO ADD ON COSTS

Today’s competition between banks for bond business is very strong. This results in them making various offers to their...

TAKE A MAXIMUM TRAVEL ALLOWANCE

This piece of information is closely related to the section on not taking a 13th cheque from your employer....

DO NOT REDUCE PAYMENTS WHEN INTEREST RATES DECREASE

In South Africa, interest rates are often subject to wide fluctuations with little warning. When rates decrease, the banks...

DO NOT TAKE A 13TH CHEQUE

A popular practice amongst companies today is to allow staff to decide whether or not they would like a...

USE YOUR “DORMANT” MONTHLY FUNDS

These examples show how much you can benefit simply by placing funds which you only need at a later...

Home Loan Series Vol 2

The problem, as discussed in the previous article, is the capitalisation of interest, over and over again EVERY MONTH...

Homeloan Series Vol 1

The purpose of this series of articles is to provide bondholders in South Africa with practical and simple methods...