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Cecil Kilpin | October 2019 Newsletter

By |2019-10-21T13:27:19+02:00Oct 21st, 2019|Business, Finance + Economics, Goverment, Newsletter|

Developing a Strategy to Grow in the Short Term South Africa has limited growth potential in the short term. While government gets its house in order, we need to make sure that, as business owners, we have the correct strategy in place to meet the challenges that face us. Real value lies in the process of putting the plan together. The act of planning helps you think things through thoroughly, and to critically re-assess your assumptions and ideas. A good strategy needs to be short, sharp and coherent, with a strong opening paragraph illustrating where you are going and how you aim to get there. STRATEGY AND GOALS List your goals and your mission statementDevelop a strategic plan of how your business will achieve its [...]

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Cecil Kilpin | September 2017 Newsletter

By |2017-10-12T11:48:17+02:00Sep 7th, 2017|Accounting, Business, Finance + Economics, Tax|

WHAT IS ESTATE PLANNING? “In the world, nothing can be said to be certain, except death and taxes” Benjamin Franklin So, with absolute certainty we know we can plan for this event! In today’s world planning for death is only part of this complex and dynamic process. Below is a brief outline of the estate planning process: An ‘estate’ comprises the assets and liabilities that an estate planner accumulates during their lifetime, and which they leave behind at their death ‘Estate planning’ has been defined as the process of creating and managing a program that is designed to: Preserve, increase and protect an estate planner’s assets during their lifetime; Ensure the most effective and beneficial distribution thereof to succeeding generations on death, and in accordance [...]

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Cecil Kilpin | May 2017 Newsletter

By |2017-05-04T17:15:56+02:00Apr 26th, 2017|Business, Finance + Economics, Goverment, Newsletter|

What Junk Status Means for South Africa For the first time in 17 years, South Africa's credit rating has been downgraded to "non-investment grade" or "junk" status by the ratings agencies S&P Global and Fitch. The third major rating agency, Moody’s, is yet to announce their revised credit rating for South Africa. This financial downgrade will make it more expensive for South Africa to borrow money as lending to this country is now considered to be very risky.  A bit like individuals with a poor credit rating who resort to borrowing from ‘loan sharks’, the SA government will now have to borrow from investors who are willing to invest in higher risk debt - this is expensive.Putting this into perspective, for the period April 2015 [...]

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