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There will be in a delay in the implementation of preservation reforms, including the increase in the contribution cap to 27.5% announced earlier, as well as the simplification of contributions between the different retirement funds and between employer and employees. On 16 October, the National Treasury published the revised draft Taxation…
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It is scary to think that Christmas is only 11 weeks away. If you were granted an extended deadline, you need to do some urgent planning to make things happen. If you are planning to write at one of our permanent centres, the last date for registration to write in 2014 is 28 November – that is only seven weeks from now. In the case of satellite venues,…
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The minister of finance, Alexander Chikwanda, delivered the 2015 budget address, entitled “Celebrating our Golden Jubilee as One Zambia One Nation by making economic independence a reality for all” to the national assembly on October 10. According to the socio-economic policy objectives for the 2015 fiscal year (FY), Zambia targets real…
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Diligent financial advisors conduct regular reviews of their clients’ portfolios to ensure that their aims and goals are on track. This is not only a regulatory requirement, but essential for new business purposes as well. Sometimes, these reviews will keep advisors so busy that they neglect to review their own businesses to ensure that everything…
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The answer to a question received from a subscriber may be of interest to many others: “If a rep has only worked on life products and has a Date of First Appointment of 2011, and now wants to work in the short-term space, does his fit and proper requirements reset to the new appointment date for short term?” The short answer is yes, but for the short-term…
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The results of the two semi-final matches on Saturday were a triumph for running rugby. It is also fitting that the two sides who ended at the top of the log will meet in the final. Both winning sides not only played attractive rugby – they were superior in defence, too. The demolition job by the Lions on the Sharks proved that sticking to a game plan that…
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Think TCF Part Six

Outcome Six: After Sales Service The final outcome requires that clients do not face unreasonable post-sale barriers to change product, switch provider, submit a claim or make a complaint. The word “unreasonable” is extremely important in this outcome, as is “fairly” in the broader expectation of how clients should be treated. You are…
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Collusive Conduct in Automotive Industry

A media release by the Competition Commission on 13 October states that it has launched investigations into “…price fixing, market division and collusive tendering in the market for the manufacture and supply of automotive components to original equipment manufacturers (OEMs). The investigation arises from information received by…
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RWC 2015

In exactly one year and one day from today, the Springboks will hopefully be involved in the quarter-finals of Rugby World Cup 2015 in England and Wales. South Africa, in Pool B, has arguably the easiest route, having to contend with Samoa, Scotland, Japan and the USA. At first glance, it may seem like an easy pool, apart from Samoa, where the concern…
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