The V&A Waterfront boasts an assortment of retail, hotel and residential development set on 123 hectares.  It lies on the edge of the harbour and has the iconic Table Mountain as its backdrop.

The V&A Waterfront has contributed close to R200-billion to the South African economy over the past 10 years.

After investing R100 million in redesigning and renovating its premises, Cape Town’s V & A Waterfront confirmed it was worth it after announcing its double digit retail sales growth for the fourth year in a row.

Of the 24-million visitors of last year, 55% were from Cape Town, 19% came from the rest of South Africa and 26% were international.

This can all be credit to the Events to do at the V&A Waterfront:  http://www.waterfront.co.za/events/overview

We have gathered some information all over the internet on what the experts predict for the World Economy in 2015.

We can tell you it will not be any joy ride, but do not worry, no train smash either.

Adrian Saville says:

“On this first point, the world economy is in decent shape, helped in no small measure by the slumping oil price. Specifically, given that the globe’s largest economies are oil consumers, rather than producers, the lower oil price is overwhelmingly positive for them. Perhaps the easiest way to illustrate the impact of the lower oil price is to liken the price fall to a tax cut for oil consumers.”

Daniel Franklin says:

“The West’s economies are coming to a fork in the road. America and Britain, now moving ahead at a decent pace, are heading towards higher interest rates courtesy of the Federal Reserve and the Bank of England; the euro zone and Japan, in danger of slipping into recession and deflation, will take the opposite path of more monetary stimulus. That will make for volatility in financial markets. Fed rate rises, the troubles of the euro-zone laggards and worries about Chinese growth all have the potential to spread panic.”

So far two economists dealt with different topics, but one is more positive than the other. Lets have a look at what Forbes has to say and Huffington Post:

Forbes:

“The U.S. economy has survived another year. What was supposed to be the year of rising U.S. interest rates, and a return of emerging market growth, has instead become the year where the U.S. stands alone. The economy is doing better than anyone expected, with the Dow cracking 18,000 on Dec. 23 and unemployment under 6%. And while incomes are stagnant, gasoline prices are under $2.60 a gallon nationwide. Economic fundamentals, low asset prices for land and real estate, and the generally strong rule of law and stable regulatory environment have all made the U.S. the best investment market for global investors. For better of for worse, the American economy is once again the engine of global growth heading into 2015.”

Huffington Post:

“The American economy, bolstered by a run of decent employment numbers and a party-in-the-USA third-quarter GDP pop, is finally beginning to show signs of health. While this good news didn’t arrive in time to help Democrats retain control of the Senate, it still technically qualifies as good news, because “the economy” is actually not just a thing that determines whether affluent politicians get to keep their seats. American taxpayers have endured much hardship since the 2008 financial crisis, and pretty much everybody, from career politicians to human beings, will be better off if the economy continues to improve.

Speaking of “pretty much everybody”: It’s worth remembering as we head into the new year that anyone — officeholders, pollsters, whoever thought it was a good idea to make a spaghetti sauce say “bae” — anyone at all can make confident predictions about what the economy is or is not going to do. That doesn’t mean we have to pay attention each time. Here, we offer a greatest-hits tour of economic forecasts that did not exactly pan out, with a gentle suggestion that in 2015 we leave this kind of thing to the actual economists.”

Whle both speak very well about the US economy, Huffington Post do say that every prediction for 2015 will pretty much suck. Which we agree with, at the moment the ECONOMY is a rollercoaster ride.

We have seen improve definitely, but then new dangers started appearing on the horizon. So what have you learned from this article…?

Keep going with your saving plan, do not go overboard with spending, have a plan in place, work hard, work smart, and enjoy 2015.

Sponsored by Accountibility South Africa. 

https://www.accountability.co.za/

What is Credit Management exactly? That Question we receive daily. Here is a nice and short definition from Wikipedia:

“Credit management is the process of controlling and collecting payments from customers. This is the function within a bank or company to control credit policies that will improve revenues and reduce financial risks.”

Click Here: For Experts on Credit Mangement.

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“Recently technology entrepreneur Chris Mills posted a really interesting question on Facebook around whether or not he, as a potential investor in a business, should look at a profit share or an equity share in a start-up business. What followed was a string of really insightful comments around the pros and cons of each, plus an unconsidered third option which was certainly quite interesting.”

The key is revenue

Equity ownership is also a potential minefield. Apart from the awkward conversations about who gets what percentage, there are three other aspects which don’t receive a lot of attention until it’s too late:

• You don’t know what you don’t know. A few years back I made an equity investment at a price I thought was a steal. Literally 30 minutes after transferring money into the bank account of one of the founders, they started referring all their creditors to me and one of my business partners.
• Almost every early stage investment is going to be under-capitalised. At some point down the line you are going to need to inject more capital and whether you sell further equity or share of future profits, your investment is going to dilute at least once.
• If you have ever tried to sell a minority stake in a business, you will discover that your pool of buyers is relatively small and the most likely buyer is going to be the person who sold it to you in the first place. There is an above average chance that your fellow equity owner is already tight on cash having come to you for money in the first place and he / she will be looking to minimise the ‘value’ if they do try and take you out. No secondary market for your equity can be a killer.

The third model, which can work out quite nicely for an investor, is revenue share where the investor takes a percentage of revenue generated by the business.

 commercial credit risk management

Living income to paycheck is no picnic. A frustrating variety of folks live their lives by doing this. When your income scarcely covers your expenses, it could be exhausting on your budget and your sanity. Attempt to keep things in point of view as well as do the finest that you can. Save cash where ever before you could and also do not make needless investments. Avoid instinct items at the establishment and conserve a little, also if the amount appears insignificant.

Educating teachers is always a challenge if you want them to teach students with skill and care. Keep looking for work that might pay you much more also if you’re already employed. You may even disperse leaflets around university or make indicators to bring in potential clients. Clean residences, clean cars, tutor, tidy rain gutters, reduced yard, kind term papers, whatever you could think of that could make you a few bucks right here and also there.

Second, discover a way to save. Conserving money on your unimportant investments is work number one. Compute exactly how much you save every week to keep you inspired.

Make on your own a budget plan. Determine exactly what you’re bringing in and overstate just what your expenses will certainly be. You do not wish to be caught off guard when you obtain that initial winter season heating costs. Some utility firms will allow you to pay a collection amount each month that covers you for the year. This helps you to stay clear of huge fluctuations throughout summertime and cold weather. It’s much easier to allocate and also can help you get involved in a rhythm with your spending that can assist you train yourself to live within your means.

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> Teacher Education PDF

Managing your financial resources could be fairly frustrating but Accountability can help. It calls for complying with all your financial responsibilities promptly, making the appropriate financial choices, and keeping watch over your credit report rating. Yet there is no need for you to deal with every little thing all on your own. If you think you need some assistance in preparation and structuring your economic activities, then you should strongly take into consideration buy the solutions of a credit firm.

A credit agency can supply you with sound insight and appointment on monetary concerns, and assist you enhance your overall credit history standing. They also offer a collection of solutions to fulfill your particular needs, whether you are aiming to clarify blunders in your credit reports or remedy any blemishes in your financial background. These solutions may be essential if you are trying to obtain back by yourself 2 feet.

One of the vital support services offered by many credit report agencies is personal debt repayment assistance. The company could customize budgeting strategies and finance restructuring prepares to finest assistance the overloaded debtor in meeting credit responsibilities on time. In various other words, a credit agency could function no miracles, however it could assist you use your present monetary sources a lot more effectively.

A company could offer you with credit rating repair work therapy sessions and assist you through protected credit history cards to use as you are being nursed back to durable monetary health. In time, using the services of a credit history firm could significantly boost your financial document and even help you obtain future credit rating or acquire financings at lower interest prices.

– verify internet financial standing (Accountability)

– http://en.wikipedia.org/wiki/Credit_(finance)

When it concerns leaving debt, the right software program could make a world of difference. Some folks manage their debt decrease efforts with something as straightforward as a computer system spreadsheet. Others use full blown financial administration software application plans. You can spend a slightly or a great deal on your financial obligation decrease software program and still finish up at the very same place: from financial obligation. What you might not have actually recognized, though, is that several of the most effective debt decrease software program is free. One example, Quicken Online, is a full blown monetary software application package deal that lately came to be complimentary to utilize.

One more, called PearBudget, is a free Excel spread sheet that functions simply as well as a considerably a lot more expensive budgeting program. For those which love Excel spreadsheets, PearBudget is an excellent choice. Like any type of Excel spreadsheet, PearBudget can be easily customized to suit you, if you understand a little bit concerning Excel spread sheet shows.

Microsoft Office Bookkeeping Express 2007 is, incredibly enough, additionally complimentary. This software application package deal is targeted at small companies so it could be additional compared to you require to manage your debt elimination initiatives, however offer it a shot anyway.

Yodlee MoneyCenter was initially an account aggregator, implying that it compiled all of your monetary account details into one area to make it less complicated to check out. Now, Yodlee offers the ability to categorize your spending into classifications, which could be used to assist you make a budget plan. I’ve directly made use of Yodlee and appreciated it.

Mint.com makes use of Yodlee’s account aggregation capacities, along with its own easy-to-use budgeting front end to make a genuine debt decrease giant. Additionally, Mint.com partners with numerous different credit history card and economic establishments to provide you better alternatives to the credit cards, bank accounts, and various other financial accounts that you currently have. This could sometimes save you hundreds of dollars.

Regardless of which financial obligation decrease software application you use, it has to work for you. Occasionally the best debt decrease software application for you will certainly be the higher end financial software package.

The key to finding the ideal financial obligation reduction software program for you is to select one, attempt it out for a while, and see if it has all the functions that you wish. If it doesn’t, select another, and attempt it out for a while. Quickly sufficient, you’ll discover one that helps you.

One more way to locate the most effective software program for you is to review reviews on the Web. See to it to check out objective assessments, not simply the ones shown on the sales web page for that item.

It can not harm to attempt the cost-free software program first. It has actually helped plenty of individuals just before you, and might function for you as well. At least in this manner you won’t be out any sort of cash if it does not function for you.

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Resources elsewhere on the internet:

> Debt collection

One such problem is the aggravating and typically complicated area of debt collection. Lots of customers allow bills to become past due, and you need a ways to take care of the collection process. In this short article, we’ll give you the information you require to recognize when selecting the best collection agency software application.

There are actually hundreds of collector software programs readily available on the market. One essential factor in choosing the most effective software application for your circumstance is the size of your company. A collection firm program that might be appropriate for a small company might be unable of taking care of the requirements of a larger company. By remembering the number of customers your company has, you could then begin choosing between debt collection agency software application programs.

Various other factors to think about when picking the finest collector software are the moment and cash that you have readily available to spend. This is how to check your credit health without having any problems. There are many extremely advanced software program alternatives around that stand for outstanding collection tools. Nonetheless, if you don’t have the time or sources to spend learning the system and training your team, your business might profit from an easier, more affordable interface with lower abilities.

Speaking of abilities, there are certain functions that all of the finest collection agency software program programs need to have, regardless of cost. Any high quality collection company software application will have easy-to-use client data and statement displays.

The most effective collector software will likewise showcase basic settlement processing. It should feature concise data on amount owed vs. amount got, and it must likewise track a wide range of payment choices (cash, check, bank card). Credit risk management for business is very important and needs to be managed with proper software.

An additional attribute to try to find is the ability of mentioning to the numerous credit report bureaus. This is very important in keeping the debtor’s details current in any way times, particularly after settlements are received.

One final feature offered on all of the ideal collection firm software application programs is the ability to access important miss tracing details. If a debtor is inaccessible or merely appears to “disappear”, this device is critical in obtaining all the info you could in at some point re-locating the customer.

As a company owner, there are some elements of the firm that require included focus. Collecting on impressive financial obligations absolutely certifies as one of those components. With the information given in this post, you ought to have no trouble in picking the ideal collection company software program for your business.

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