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Demand and Supply in Free Market Systems

  In this segment, we will be discussing the factors behind price determination in free market systems. The prices for certain goods or services in a free market system are determined by what buyers think the good/s...

Emergency Helplines

If you ever find yourself needing help, please contact these emergency numbers: • Suicide – 0800567567 • Rape – 0214479762 • Assault – 0861322322 • Depression – 0800121314 • Emergency – 112 ...

What is your relationship status with money?

  Single and not looking: I believe that money is the root of all evil. Single and ready to mingle: I am broke but looking for ways to make money. We are at the talking stages: I am getting to know more about money ...

How to take the stress out of money management

  I’ve discussed the idea of saving money with a goal in mind before. I made the case that adopting this approach, and not the approach of saving money for no apparent reason, leads to much more positive results in...

The private and foreign sectors

In Revisiting the economic cycle, we included the government as the third stakeholder to illustrate how it controls and sets policies so that all stakeholders in the economy can interact legally, fairly and to the benefi...

Building your relationship with money

     Many of us who enter romantic and platonic relationships find it difficult to start a conversation about how to handle our finances together with our partner. Relationships play a huge role in defining your financia...

Revisiting the Economic Cycle

In the previous two discussions on economics, The Economic Cycle Part 1 and The Stock Markets, we introduced the simplest form of the economic cycle and an explanation of stock markets and how they work. I want to revisi...

How to prepare for life after the lockdown

Time is precious and Afrika Kesho encourages you to make this lock-down as productive as you can. This will not only pay off when you have fun learning new things, but you might also earn yourself a few bucks with your n...

Economics: The Stock Markets

From our previous discussions of economic concepts, specifically in Economics: The economic cycle part 1, we looked at a simplified version of the economic cycle. The economic agents in our discussion were a household (t...

Economics: The economic cycle part 1

I suppose for many years many of us have may have been watching and listening to the news and hearing experts talk about the economic cycle, but may not have fully grasped what the concept is about. Or in school, we may ...

Economics: Understanding choice and scarcity

I am of the opinion that for many years a lot of retail investors have, on countless occasions, made investment decisions without first assessing the economic factors driving what they are investing in. As a result, when...

Modern Portfolio Theory: What it is

Introduction A dear friend of mine by the name of Samukelo Nkosi once introduced me to Harry Markowitz, an economist, and his famous work of Modern Portfolio Theory (MPT). Initially, I thought MPT was just a tiny theory ...

Recessions: The meaning and the effects

Despite all of the excitements of the year 2020 ahead, unfortunately, South Africa starts this year and the decade ahead in a poor financial state. This comes after the announcement that the South African economy has fal...

A Simple Guide to Debt Management

For many, hearing the word “debt” flashes mental images of repossession of property, a million letters of demand from creditors and lastly, not being able to afford maintaining one’s lifestyle. Most people cannot afford ...

The Investment Education before the Investment Education

NOTE FOR THE READER: Please note that this article contains stock exchange jargon/concepts that were deliberately included to give you a realistic picture of the terminology and concepts that are typically used. So, we u...

Black Tax: A Beneficiary’s Perspective

A bit of a recap As I said in my previous article, “Let’s talk about Black Tax”, some people who are their family’s financial supporters may see Black Tax as a burden, and others may see it as their responsibility. In ma...

An introduction into the world of loans

A financial ice breaker Do you remember the first time you borrowed money? It might have been that time when you were caught between a financial rock and a financial hard place – a  time when your temporary financial sit...

The case for buying Inflation-Linked Bonds

Today, I’ll be making a case for buying inflation-linked bonds, as well as the opportunity costs associated with that. Like my last article, I will be referencing concepts from “Get to know the basics of Government Bonds...

The first Financial Jargon Buster

I’ve studied quantum mechanics, cosmology and mathematics, and I’ve come across terms like bremsstrahlung, blackbody radiation, and cholesky factorization, but none of the terms in any of those subjects are ever as diffi...

The low-down on Government Inflation-Linked Bonds

In my previous article, “Get to know the basics of Government Bonds,” I talked about the basic concepts behind bonds. I will be using some of those concepts in today’s article. Today I’ll be extending my discussion on bo...

Let’s talk about Black Tax

The elephant in the room! Black Tax across South Africa has truly emerged as one of those topics that people try to avoid at all costs; an elephant in the room. One of the reasons this topic has become so unpopular in pu...

Get to know the basics of Government Bonds

You can lend the government your money The South African government needs money to operate. Unfortunately, as you would have seen or heard on the news recently, the South African economy has not been doing all that well...

The different types of shares

The different types of shares by Afrika Kesho One of the reasons we started Afrika Kesho was so that we could encourage people to invest their money, not just save. This so that everyone can benefit from compo...

Goal-Oriented Saving

At many points in my life I’ve heard of the importance of having goals. From all the documentaries I used to watch all the way to people I look up to, I was told that it’s important to have goals in business, education, ...

WhatsApp Stokvel: to join, or not to join

What is a traditional stokvel? In her article, Investing In Your Inner Circle, Karabo Rantho helped shed some light on stokvels and defined them using the following words: “These are informal saving methods that operate ...

Introduction to Investing Strategies #3

In my previous publication, Introduction to Investing Strategies #2, the discussion was around the dividend investing and momentum investing strategies. Today’s article will discussion the buy-and-hold investment strateg...

Financial Growth as a Young Business Owner

The rising unemployment rate in South Africa has left a large percentage of the youth desperate for a way out of their financial crises. A lot of the youth and unemployed graduates are all seeking a way to deal with the ...

My Money Savvy Sister

Meet The Sister If you ask at home what I’m known for, the answer you will most probably get is that I’m the hustler; the one who brings in the money. Despite this title of mine, which is a title I love, there really isn...

You are your greatest investment

Let me start with an unpopular opinion: it’s okay to be selfish; to focus on your own needs first. Often, many of us are brought up to believe that being selfish is completely wrong; we are made to believe that doing so ...

How to live a “wow” life on a “lol” budget

Decision making is difficult Being a tertiary student can take a toll on you sometimes. Just yesterday you were in high school, where your teachers and parents were taking care of you. If, just like me, you grew up in th...

Introduction to investing strategies #2

In my last article, Introduction to investing strategies #1, I talked about the growth investing strategy and the value investing strategy – today, it’s dividend investing and momentum investing. Before I dive in, let me...

Poverty will bring you riches

Let me tell you how It sounds bizarre, I know, but allow me to reveal my thought process. The society in which we live has changed the notion that a breadwinner should have one form of STEADY income. Usually, the whole f...

Investing in your Inner Circle

Stokvels Over the years, many of us grew up surrounded by community savings schemes, also known as stokvels. These are informal saving methods that operate on a rotation of funds between a group of individuals varying fr...

Introduction to Investing Strategies #1

  There are many plans and back up plans you need to have in place as an investor – such as how you are going to allocate the capital you are investing, or how you are going to deal with life’s emergencies without s...

How to choose a stockbroker

What a stockbroker is As people, we know that the products we buy from our local stores are not manufactured at the store itself. Rather, these products are produced and imported from elsewhere and then sold to us. We ca...

The history of Currency and Money

True wealth is measured by time and freedom, while money is an instrument used to store economic potential until it is ready to be unleashed. Often, when we mention wealth, we think of it in terms of monetary/currency va...

South Africans should learn how to invest

The average South African is well-renowned for their extravagant spending. Be it middle class or wealthy, many South Africans fall into the trap of living expensive lives – most of the time it is just a matter of falling...