If you own, manage or work for a business, whether it’s a multinational conglomerate or a desk set up in the garage, it is likely that you have, from time to time, been bombarded with information about the Promotion of Access to Information Manual, the importance of having one, and the penalties involved in not having one. Of course, this information is usually accompanied by an offer to do it all for you for a fee, and urgently if you want to stay out of jail. Read More.....

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By now, the January hangover has well and truly set in. The month-long December party has left many a bank account, kitchen cupboard and Jack Daniels bottle empty, and the next pay-cheque seems but on a distant horizon. Invariably there’re a few bills that are mistakenly or not-so-mistakenly overlooked. Which may suit you if you’re the debtor. But if you’re the creditor, what do you do?  For the umpteenth time, you are the one left juggling your cash flow because your debtor has unilaterally decided to delay payment. At this point you may be seriously contemplating charging interest on overdue accounts. Adding interest onto outstanding balances can be a good way of forcing a debtor to pay on time. But before you do so, there are a few things you should be aware of. Read More.....

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If you’re reading this, then congratulations! You made it through the Silly Season alive. You dodged the carnage on the roads, your liver has finally recovered sufficiently to see another year in, and your stomach escaped intact, if not unscathed, after suffering through yet another notorious Christmas lunch. Let us spare a thought, though, for the families of those who lost loved ones over this period. May their pain ease with time, and may their thoughts be filled with happy memories of the ones they lost. Read More.....

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