Branson centre of entrepreneurship, propelling small businesses

Richard Branson is a self-made billionaire and a business magnet. He is famously known around the world as the founder of the Virgin Group which comprises of more than 400 companies. Perhaps what makes Richard Branson an admirable business figure is not his estimated $4.6 billion net worth but rather his entrepreneur ability to build a business empire from the bottom. Arising out of a strong desire to share his business experiences and assisting in building a new generation of entrepreneurs, the Ricard Branson centre of entrepreneurship was launched in South Africa.

The Branson centre of entrepreneurship is a premier global leadership initiative which is partly funded by Virgin Unite and other investors. The vision behind this initiative is to ensure entrepreneurs are united to tackle tough social and environmental problems in an entrepreneur way. The initiative is of significant importance in a country like South Africa where the economy depends on a thriving micro business sector to create economic growth and jobs.

This centre offers financing opportunities to enable business growth, opportunities to meet some of the biggest names in business, practical business skills training including finance, people management, legal and IT, networking opportunities, mentors to share their good and bad business experiences, access to accountants or lawyers to ensure businesses are protected and enjoy the expertise and support of the Virgin Group.

The Branson centre of entrepreneurship can be contacted on 0114030613.

Freeway finance loans, creating financial freedom

Freeway is a descriptive term that tries to bring to light a passage that bears no disruptive obstacles. In real life, the passage of life is punctuated by many moments of involuntary pause and impediments which in most cases are linked to finances. In a bid to assist many individuals and families facing different financial challenges, Freeway finance was established.

Freeway Financial Services is an authentic South African micro lender which provides blacklisted cash loans, term loans, consolidation loans and personal loans. Using different diverse affiliations built over the years with credit providers who each have their own company criteria, clients who have become blacklisted and can’t qualify for credit with other credit providers are helped. These affiliated lenders  also registered with the National Credit Regulator which makes them responsible lenders.

To apply for these credit facilities, a customer just needs to download, print and complete the application form in readable handwriting. This application form should be accompanied by an ID copy, latest 60 days bank statements and latest salary advice. The submitted application form and documents are processed and feedback is given within a period of 2 hours whether its positive or negative.

The qualifying criteria for this loan is that you have to be permanently employed for at least 2 months, be a South African citizen with an ID, earn a monthly salary which is deposited into your personal bank account and be older than 18 years and younger than 65 years. Freeway does not unfortunately assist those on commission income, self-employed, contract workers without a specified contract end date, not a South African and those under administration, insolvent, liquidated or under debt counseling.

To enjoy a life free from financial impediments, Freeway finance can be contacted on 0125465747.

Pick n Pay small business incubator

Small business incubator – Pick n Pay was established in 1967 with a vision of being a leading retail store. Today Pick n Pay is rated as the second largest supermarket chain store in South Africa with a strong and extended business footprint in other countries around Southern Africa in countries such as Zambia, Botswana, Namibia, Mozambique, Angola etc. While the existence of this giant brand has mostly been focused on retailing, the many years of experience gained has allowed Pick n Pay to be well positioned to assist in building other businesses in the micro sector. The end product of this desire has been the creation of the small business incubator.

The small business incubator is a dedicated division that is focused on encouraging and assisting small black businesses in becoming sustainable suppliers to the retail industry. Through this innovative incubator, emerging companies are assisted. This is achieved by providing mentorship at all levels of the business process. Mentorship skills provided include health, safety, hygiene, ethical employment and accounting practices, marketing principles, buying and negotiating techniques and other life skills.

Closely tied to the work of the incubator is the enterprise development foundation and the transformation department. Enterprise development foundation addresses financial challenges that organisations may face to ensure they remain long-term suppliers to the industry. Transformation department looks into growth opportunities for new BEE suppliers and going the extra mile by making sure all Pick n Pay buyers across the country introduce new BEE suppliers to their category.

The Pick n Pay business incubator is poised to drive business growth in South Africa.

Finance 27 loans, same day cash loan providers

Finance 27 loans – The South African economy has over the last two decades has experienced tremendous growth and change. In tune with the country’s democratic dispensation which embraces diversity, the country’s economy has also witnessed the emergency of many macro and micro financial institutions all providing an assortment of services and products. One of those micro lending institutions which has come on the economic scene to make a contribution is Finance 27.

This micro lender operates within the legal guidelines of the National Credit Regulator. Finance 27 has committed itself to the provision of same day payday loans in cash amounts of minimum amount of R500 and up to maximum amounts of R3,000. This credit facility has been created to assist individuals and families to meet urgent financial commitments and challenges and ultimately achieve financial freedom.

The process to obtaining this finance is very simple.The customer simply chooses a loan, communicates the necessary and needed personal information and once approved the money is delivered through a bank account. When a customer renews a loan, it will be seen as a new loan and therefore the same interest and rates will apply for the new loans.

To qualify for this credit finance, a client needs to be 18 years and above, be in possession of a South African ID, have some sort of monthly income  which enables one to  afford loan repayments, show proof of residence and have a bank account where income  is deposited and repayment debit orders can be carried out.

Finance 27 can be contacted on 0129411572.

Absa Pebble, a mobile payment innovation

Absa is a South African financial and banking institution driven by innovation and providing simplistic services. One product offering bearing testimony to Absa business position and pedigree is Pebble. Payment Pebble is an innovative, high-tech device with unique safety features  which facilitate convenient and mobile payment acceptance.

This product has been tailored especially for small, medium and large business owners because it gives them the ability to accept MasterCard and Visa debit or credit card payments at anytime and anywhere through a smart phone or tablet.

The Pebble gives the user lots of flexibility because its compact and mobile which means it can be plugged into the audio jack of the compatible smart phone or tablet and once set up, it allows for immediate transaction.This convenience in transaction can happen on the roadside, at the market or even in the customer’s home. For clients who may not have a smart phone or tablet, the Pebble bundles provides the option of getting an Absa Business Cheque Account, a smart phone or tablet device and a Telkom Business Mobile contract. The pricing structure for this product is divided into Absa banking customer and Non-Absa banking customer.

The Absa banking customer monthly rental is at R50 excluding VAT for the first 12 months and R20 excluding VAT thereafter no swap outs allowed. Once off initiation fee payment pebble order at R160 excluding VAT for the first Payment Pebble and R30 excluding VAT for each payment Pebble thereafter. There is also free swap out, once off initiation fee will be charged for each swap out. Merchant services fees across all card types is at 3.20%.

Non Absa banking customer pays a monthly rental of R50 excluding VAT for the first 12 months and R20 excluding VAT, thereafter no swap outs allowed. Once off initiation fee per payment pebble order which is at R160 excluding VAT for the first payment pebble and R30 excluding VAT for each payment pebble thereafter. Replacing and returning old payment pebble involves free swap and once off initiation fee will be charged for each swap out. Merchant fees in this category across all card types is at 3.75%.

To access this product, Absa can be contacted on 0860111222.

Debt consolidation tips

Debt consolidation is a phenomenon which has swept through financial markets for a while now. This credit management system allows individuals who are financially distressed due to debt or even at risk to have a better way of managing debt. Debt consolidation allows one to seek a loan from a financial institution which pays off various credit accounts leaving the individual with only one debt account to service.

This plan offers clients a number of benefits such as going from having numerous creditors and credit agreements, with various terms, interest rates and monthly fees to one loan with one creditor and being liable for one monthly fee. Consolidation loans also quite often offer lower overall average interest rate over a longer loan term which results in lower monthly debt repayment.

It is however important to highlight that debt consolidation loans have their own negatives. Customers should understand that consolidation is a short-term fix, not a life time solution. In a layman’s language, it’s more like putting a plaster on a serious wound. While debt consolidation loans extend the repayment period, it simply means the debt is being extended to a longer period of time which results in paying much more interest on that debt.

It therefore means that reaping the benefits requires financial discipline. It requires the adoption of better spending behavior to avoid falling into the same spending patterns which created the initial over-indebtedness. Debt consolidation loans should be used to save on interest and not to reduce your longer term monthly debt repayments.

Customers should also go through a brief checklist to ensure debt consolidation loan enables them to settle all debts, it reduces overall average interest rate, it reduces monthly repayment, the credit life insurance on the loan should cover death, disability and retrenchment.

The negatives of debt consolidation  can be drastically minimised if matched by disciplined spending habits and prudent financial management.

LCT finance, micro lending experts

LCT finance is a fast growing South African micro lender which has dedicated itself to providing finance and credit to thousands of clients through personal loans, blacklisted loans and short-term loans. Whether a client has good or bad credit, LCT is able to find and provide the appropriate finance package with the right conditions. With a flexible online application process and a 24 hour loan approval time frame, this micro lender has become the preferred choice for many.

Apart from the loan service, clients also enjoy 3 in 1 package which includes a q-assist program, free loan finding service and a full credit report. This 3 in 1 package is available for R399 every 6 months. The comprehensive credit report offered to clients offers the following, personal information, summary of all accounts, summary  of judgements, summary of loans and summary of all searches done. The benefits of this credit  report are that clients are able to know their credit rating, be informed of bad debts, develop a shield between themselves and creditors and generally  be protected as  consumers.

LCT finance can be contacted by filling in an online contact form or simply calling 0315392747.

Investec personal finance products

Investec is an international specialist banking and asset management group which was established in 1974. With current listings on the London Stock Exchange and the Johannesburg Stock Exchange, this financial institution has established a stable business presence in the United Kingdom, South Africa and Australia providing a range of products and services to a diverse clientele. Investecs personal finance products and services include asset finance, motor vehicle finance, personal loans, professional practice and equipment finance as well as specialised finance.

Asset finance are loans secured against unusual assets. This kind of finance is offered for purchases such as plant, office and professional practice equipment, property, motor vehicles and lifestyle assets. Payment plans for this credit have been structured in order to maximise the client’s tax and cash flow benefits.

Under the motor vehicle finance, clients are offered financing options such as instalment sales with negotiable residual options, structured payment plans to minimise tax and maximise cash flow, flexible deposit and withdrawal of funds to help reduce repayments and save interest. It also comes with an online viewing facility and there is the possibility of earning up to 200,000 Investec dividend points if the motor vehicle is sourced through McCarthy.

Personal loans are offered by leveraging on the existing asset base. These secured loan packages use existing assets such as trading and non-trading share portfolios, unit trusts, investment products, cash investments, property and investment policies as collateral, giving  clients the resources they need to build wealth.

The setting up of a strong business practice foundation is one of the business areas Investec is concerned with. This is the reason why this finance is provided for setting up, buying into or equipping a business practice. Finance products offered here include transactional banking, private business account through to practice asset finance.

Specialised finance has been created for specialised financing needs such as diversification of investment interests or even maximising liquidity in complex financial transactions. These specialised finance services include the acquisition and funding of commercial property and aircraft, the acquisition and funding of private business enterprises and the funding of private holdings in listed companies.

Investec has set up customer friendly financing rates. These rates are the prime lending rate at 9.00%, Investec mortgage bond rate at 9.00% and Investec private bank Jibar linked lending base rate.

This financial institution can be contacted on 0112869663 or 0860110161.

Bad credit loans, the blacklisted clients credit solution

Bad credit loans – The desire to assist individuals and families who are blacklisted or have bad judgements against them was the motivation behind the establishment of Bad Credit. Bad Credit is a South African based financial broker which has over the years assisted thousands of people to find loans and meet pressing personal expenditure needs like education fees, medical bills, home renovations, car repairs etc.

Using an innovative simple online application process, this finance broker assists clients with personal loans of up to R150,000. This has been made possible due to the strategic partnerships developed with various loan providers over the years. To qualify for this credit, one needs to be 18 years and above, have an income of R1,500 or more per month, be in possession of an ID, show proof of residence and have a bank account where income is deposited and repayment debit orders can be collected.

Apart from the loans, clients can use this reputable firm for a service package which offers an insurance claims processing service. This service is offered because the administration of insurance claims is important but also risks rejection if relevant paperwork is not done properly. Through this service, clients are therefore assisted with the submission of insurance claims to various insurance companies and brokers.

Through this claim processing service, Bad Credit does the telephone and email correspondence, claim form completion, all quotes needed for the claim, submission of claim form, keeping a client informed of the process and ensuring that the claim is finalised in the shortest possible time. This assistance helps to save time and money.

Bad Credit can be contacted on 0212020578.

A loan application can done here.

Standard bank student loans, empowering students

Standard bank student loans. Economic and social research has shown that the finance factor has tremendously contributed to fluctuating entry numbers into universities and institutions of higher learning. This has consequently led to a critical shortage of knowledge and skills needed to drive economic growth. This scenario is what prompted Standard bank which is one of South Africa’s biggest commercial banks to introduce student loans. The idea behind this innovation is to ensure appropriate financial support is offered to students who meet the relevant criteria so that no deserving student is denied an education opportunity on financial grounds.

The Standard bank student loan has been designed to assist students with finance for fees, books, equipment and accommodation. Loans for accommodation are  however only offered to students who are not living with their parents. This loan also comes with the benefit of a Standard bank transaction account with a debit order.

Full time students are required to only pay the monthly interest on the loan and start repaying the loan upon completion of studies,the interest is normally charged to the students account number or surety’s bank account. Students are granted capital repayments if they have completed their articles, internship or community service. Part time students are required to pay the loan while studying while those who have failed to complete their studies are supposed to repay immediately.

Recipients of this loan also enjoy peace of mind knowing that once the loan is in repayment mode, monthly repayments remain unchanged. If one is a part-time student, the monthly repayment will change whenever there is an increase on the limit of the loan while studying.

As part of the requirements for this finance, students should submit academic marks, proof of registration or qualification by 31st march each year. Because student loans are granted for a specific year of study, students are required to re-apply for each year of registration.

Standard bank can be contacted on 0860123000.
standard bank student loans

Essential credit loans, providing financial assistance

Essential is one of South Africa’s the fastest growing micro lending institutions which was established with a vision of serving consumers facing unforeseen financial challenges such as education fees, medical expenses, home renovations or even car maintenance. With a fast growing reputation and deep understanding of the financial business environment gained over the years, Essential credit provides clients with the financial injection required.

With a guaranteed pay-out time of between 1 to 24 hours and repayment periods running between 3-30 days, this short-term loan is convenient and flexible for the consumer ensuring that a client can afford and also sufficiently meet their needs.

The process of obtaining finance from Essential credit follows simple steps. The first step allows clients to use the online sliders to determine how much money they want and the length of the repayment period they are comfortable with. Clients can also indicate how much interest they will be ready to pay. Clients can then apply by using  a fast paperless application procedure. Once approved, the applied for amount of money is released into the clients submitted bank account details. Repayments for this loan are done by debit order.

Essential credit reserves the right to cancel a loan application if a client fails to pay instalments, commits fraudulent acts, if a bank statement shows reversed debit order or if fraudulent documents were submitted for the application.

This financing house can be contacted on 0218510435 and trained consultants will be glad to assist.

Atlas loans, credible and stable loan provider

Atlas loans, being established in 1994 with a vision of being a provider of financial assistance to all South Africans in an ethical, responsible and legitimate way. Today Atlas has serviced over 2 million clients with loans and established over 170 branches around the country.

Because of the rich experience gained over the years, Atlas understands the needs of the market and individuals. Clients through this reputable firm can obtain loans of up to R8,000 with repayment periods that run up to 6 months with the option of a top up loan at a later stage. Customers also enjoy great promotions such as a chance to earn up to R600 by simply referring a new client. For every  successful loan referred, Atlas loads 7.5% of the loan onto the Atlas finance Nucard.

To qualify for this finance, a prospective client needs to be 18 years and above, have an ID, show proof of residence, present a payslip as proof of income, have a bank account where income is deposited and where repayment debit orders can be carried out.

By doing business with Atlas, clients are assured of dealing with a lending financing house with stability, professionalism and credibility. Atlas can be contacted on 0877018665.

Showtime finance, credit for the listed

Showtime finance is a term synonymous with sports or entertainment activities. Showtime characteristic description of display especially of superiority. It is not surprising then that a business entity came on the scene with the showtime name. Showtime is a micro financing institution  which is assisting thousands of clients with credit histories, judgements against them, garnishee orders, defaults or simply failing to meet stringent requirements demanded by commercial lending houses.

This financing house offers credit from a minimum of R1,000 to a maximum amount of R15,000. This money is offered in form of pay-day loans which must be repayed within 30 days as well as short-term loans which should be repayed within the timeframes of 4, 6 and 12 months. This money comes with 5% monthly interest rate, a once off initiation fee which is added to borrowed capital, monthly service fee as well as credit and life insurance. Showtime also ensures that customers enjoy high levels of security, confidentiality and data integrity. To qualify for this credit, a customer must be between the ages of 18 and 65 years of age, be in possession of a South African ID, show proof of residence and have a bank account where income is deposited and monthly debit orders can be carried out.This financing house does not conduct any credit checks but lenders/brokers might do that. Clients should however note that Showtime does not offer credit to individuals who are under administration, insolvent, under debt review or under any debt restructuring program.

Showtime financial solutions can be accessed by calling 0218255454.

Micro loans South Africa, flexible finance and credit providers

Micro loan SA is the definition of a well-functioning and friendly credit and loan provider in South Africa. In a competitive financial market like the South African one, Micro loan SA has set itself apart by being easily accessible to clients, convenience with product offering as well as repayment terms and providing peace of mind to clients by knowing that they are dealing with a credible and registered financial services provider.

This finance institution provides personal finance, smart cover and a range of cellphone contracts, tablet contracts and free insurance quotes. With a smart loan finding service offered to clients, Micro loan SA assists clients to source credit of up to R15,000 in a quick, easy and convenient manner. The well designed client portal allows clients to follow all the steps being taken regarding the submitted application and also get access to other offers, discounts and promotions. This service is offered without any charges of administration or processing fees. In the unfortunate event of death, the smart cover takes care of the financial burden of a funeral. This cover also extends to the spouse and  6 biological children and there is no need for medical examinations. The premium for this cover is only R35 per month.

To apply for the personal finance, a customer should submit personal details like the South African ID number and residential address as well as employment details, salary details, monthly income and expenses, banking details and next of kin details.

Clients can apply for this loan and credit by visiting the firms online platform which is the company website.

Lendico, your financial solution

Lendico loans. The need for loan or credit intermediary services has become even more important over the years in the South African financial markets. Intermediary service providers assist clients with critical information regarding loan applications as well as identifying the right institution which can provide the right financial solution suiting budgets and needs. It is for these reasons that Lendco was established.
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Loan locator SA, legal and financial experts

Loan locator SA is a financial entity which was established to close a gap in the financial markets that arose as a result of the implementation of the “New Credit Act”. With a management team composed of financial experts with many years of industry experience, a gap was identified in the market where big financial houses were losing income because consumers were not qualifying for credit due to poor credit scores. This scenario motivated Loan locator SA to develop its convenient service package in order to assist clients around the country.

The convenient service package is a legal advice assistance plan which is offered at an affordable fee of only R399.00 per year which becomes part of a perpetual agreement. The service offering under this plan includes loan seeking service through a panel of registered financial services providers, telephonic para-legal advice service, telephonic motor vehicle accident claim assistance advice service, telephonic personal injury assistance advice service and telephonic litigation assistance advice service.

To qualify for this service, all new clients must be 18 years or older, earn a monthly salary and show proof of payslip, 3 months bank statements, a green South African ID and proof of residence. Prospective clients can do a quick online application or even call 0860022150 to speak to trained consultants.

loan-locator

Loans direct, personal loans provider

Loans direct has over the years distinguished itself as a reputable financing house in South Africa. This is because since establishment in 1995, Loans direct has approved more than 1 million personal loans.These achievements have been attained by drawing on the diverse knowledge and expertise of reputable shareholders like banking partners such as FirstRand Bank Limited. Loansdirect has also committed itself to the highest standards and business principles.

These principles are well cultivated in the Insure bouquet which offers car insurance, Life insure direct which offers life cover, Health offers no obligation medical aid brokerage and Direct car finance which offers direct and convenient car financing.

The Loansdirect personal loan credit facility offers clients loan amounts of up to R150,000. With a simple and flexible application system, this loan is meant to assist clients meet urgent and pressing needs such as school fees, medical expenses, home renovations or even vehicle maintenance costs.

To qualify for this credit, a client needs to earn more than R2,500 per month and have clear credit references, be 18 years and above, be in  possession of a South African ID, show proof of residence, have a bank account where the monthly income is deposited and where debit orders can be done.

Loansdirect can be contacted on 0860111542.

Pepkor, the retail investors

It is a proven fact that a vibrant retail sector has tremendous impact on the economy. Retail stores play a critical role in the supply chain by providing a range of goods and services efficiently. Retail stores also supply useful information across the supply chain to consumers and manufacturers. Retailers supply information to consumers through advertising and other displays while market research information gathered assist manufacturers to gain insight into consumer requirements and trends. The retail sector also provides employment to millions of citizens. It is this sort of highlighted importance which led to the establishment of Pepkor.

Pepkor  was established in 1965 as an investment holding company with retail interests. Today, Pepkor has interests in more than 3400 stores and employs close to 32000 people. Pepkor as a retailer focussed on growth manages a portfolio of retail chains with special focus on the value market.

The impact and the contribution of this business house on the retail sector has been anchored around a list of priorities such as making strategic acquisitions and investments in profitable market segments, leveraging the groups expertise and knowledge base to achieve best practice, enhancing the supply chain by optimising sourcing synergies, increasing profitability by exploiting the benefits of size and growing the network of stores to leverage scale and core competencies.

Retail investment from Pepkor can indeed be counted on. Pepkor can be contacted on 0219294800.

Ombudsman South Africa – Tax

Ombudsman South Africa. Tax is a financial charge or levy imposed upon a taxpayer  by the state. The ramifications or consequences of not complying with legal tax obligations as an individual or even institution can be severe. Tax authorities have been empowered by law to impose heavy sanctions if need be and in worst case scenarios even institute court proceedings which can result into imprisonment for those found guilty. In a huge and complex economic structure like the South African one, It is not surprising that a good number of tax payer complaints are recorded and sometimes not even resolved by the South African Revenue Service (SARS). In a bid to provide an alternative in resolving these complaints from taxpayers, the tax ombudsman’s office was established.

The South African tax ombudsman’s office has been created  to handle tax related complaints which can not be resolved through the governments internal system. This office is expected to provide simple remedy for taxpayers who have legitimate complaints that relate to administrative matters, poor service or the failure by SARS to observe taxpayer rights. While the tax ombudsman is not expected to review legislation or tax policy, the office will review complaints and if necessary resolve them through mediation or conciliation with SARS officials.

The tax ombudsman will indeed provide taxpayers a fair hearing.
Tax Ombudsman

Foschini account, providing wide retail credit

The Foschini group (TGF) has been a towering retail brand in South Africa for many years. TGF is composed of  @home, @home living space, American Swiss, Charles and Keith, Donna-Claire, Duesouth, Exact, Fabiani, Fashion Express, Foschini, G star Raw, Hi, Luella, Markham, Mat and May, Sportscene, Sterns and Totalsports store. This retail chain has been associated with trendy fashion and enjoys the support of millions of customers .

With such a strong business presence, it’s not surprising that Foschini launched a credit account for its esteemed clients. The TGF account allows clients to get credit and spend at over 2,000 stores across 18 retail brands. Opening of this account is free and clients who sign up for a 6 months plan don’t pay any interest. For those on a 12, 18 and 24 month payment plan, interest on any balance will be charged. This account also grants customers access to statements which can be emailed or posted upon request. For clients who choose to use the account for lay-by purposes, you will pay a deposit of ten percent of the total value of the goods on opening of the lay-by facility. Customers are however required to make a minimum of one payment every month until the goods are paid for in full.

The Foschini account is indeed a must have retail credit account. Foschini group can be contacted on 0860576576.

My Budget Book App – Managing your income and expenses

My Budget Book app is an innovative platform which is helping millions of people manage finances better. My Budget Book app allows users to have long-term overview of accounts thereby making it easier to keep track of income and expenses. This app comes with unique benefits such as meaningful statistics based on individually selected criteria, importing bank data and the ability to print data from the app or transfer it to other programmes. The Apple Budget book comes with certain specifications which are categorised as general, accounts, transactions, budgeting, reports, export and import.

The general specifications include password protection via pin code, back up your encrypted data in the iCloud, transferring all your data via iCloud to another iOS device, export and import encrypted back-up files via iTunes, starting of the financial month on any date and extensive user settings.

Accounts specifications include unlimited number of accounts such as credit card, current account, savings account etc, there is also support for different currencies and it allows for defining of starting account balance.

The transaction specifications offered by this app are identity entries which are marked or cleared, repeating entries, managing of freely editable templates, organising of entries based on freely editable main and sub-categories, entries auto-complete and expenses and transactions between different accounts.

Budgeting specifications offered include overspending warning, carrying over of the remaining amount from the previous time period, incorporating income, expenses and transfers, entries are automatically linked to the right budget, flexibility which allows for easy configuration and also the creation of one-off budgets for any period of time.

Reports incorporate comprehensive statistics and charts both monthly and daily overviews available (including carry-over from following months), extensive search and filter options and print all data directly from the app via airprint.

The importing specification allows for importing of bank statements from a CSV file. Export features facilitate editable export of files to the following target formats: Excel/Numbers, CSV and HTML and access the exported file via iTunes or via e-mail.

With My Budget Book app, Apple is indeed breaking new ground.

Mr Price Money, trusted retail financial services provider

Mr Price is one of South Africa’s oldest retail outlets. Established in 1885 and listed on Johannesburg Securities Exchange since 1952, this retail house has expanded with stores located in South Africa, Namibia, Botswana, Kenya, Tanzania, Malawi etc. Mr Price Money has not only planted shopping outlets but they have become a reliable financial services provider offering insurance and airtime products for valued account holders. Mr Price offers lost card protection plan, 360 protection plan and A2B commuter personal accident plan.

The lost card protection plan protects clients against the fraudulent use of the Mr Price money card up to R15,000. For Just three rands per month our Lost Card Protection Plan covers you against the fraudulent use of your Mr Pricemoney card once it is reported lost or stolen. R300  will be credited to your Mr Pricemoney card to replace personal effects like your handbag, wallet or purse in the event that they are lost or stolen at the same time as your Mr Pricemoney card. R250 will be paid directly to you to cover the cost of replacing your driver’s license and ID Book in the event that they are lost or stolen at the same time as your Mr Pricemoney card. With a push of a button from your cell phone our Mobile trauma alert will contact five of your family members in the event that you are in an emergency situation.

For only R36 per month, the 360 degree protection plan will provide you with R10,000 cover in the event of retrenchment or death should you be diagnosed with certain critical illnesses and be hospitalised for 14 or more consecutive days. The A2B commuter personal accident plan offers R75,000 accidental injury cover, R50,000 accidental death cover with only R37 charged to a clients account.

Mr Price is definitely a retail outlet concerned about clients financial welfare. Mr Price Money can be contacted on 0861066639.

mr price money