Finance mallguide_finance_ways_to_organise_your_retirement_fund
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Saving for retirement should be done as diligently as possible. What this means is that you will have sufficient money to sustain you through your old age. If you have been relying on full-time employment, retirement will be easy as long as there is effective planning.  Many people make the mistake of thinking that…

Finance mallguide_finance_determine_your_creditworthiness
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Understanding how your creditworthiness affects your applications for credit is an essential part of financial literacy.  For Kai, a potential first-time home buyer, knowing how this works is a vital part of his efforts to get approved. He needs to know how the system works to get the best…

Investments MallGuide_Risk_Free_Short_Term_Investments
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Investing involves risk no matter which way you look at it. There are ways to minimise the risk involved.   If you want to grow your money with 2019’s risk-free short term investments, it’s imperative to take some time to educate yourself about how to optimise your investment.  These types of investments…

Finance MallGuide_How_to_apply_for_TransUnions_free_credit_report
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Dimakatso is a young professional looking to buy her first house. She has been paying her car instalment off diligently for the past three years and considers herself to be in good financial shape.   She has never missed any of her car instalments but has unfortunately fallen…

Investments MallGuide_Investing_for_beginners
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Investing for beginners may seem quite intimidating at times. The truth is that it is something that requires a patient approach.   While some people may think that investment is a road to quick riches, in reality it isn’t so straightforward. There are tips and tools to the…

Finance MallGuide_Why_are_credit_analyses_important
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Credit analysis is performed to work out an entity’s ability to meet debt obligations. Financial ratios are used to evaluate this ability.  The outcomes of credit analyses are used to determine the risk ratings that are assigned to particular businesses.   Credit analyses are important for businesses because they guide opinions about investment…

credit cards MallGuide_Types_of_credit_cards
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Credit cards are useful for providing financial relief in cases of emergency. In addition to this, they can be used for other needs as well. Jack and Rebecca are interested in getting one in order to build positive credit. They are in the process of working out which card…

Finance MallGuide_What_Is_considered_as_a_low_credit_score
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A credit score is a numerical figure between 300 and 850 that is based on the data accumulated about your credit behaviour, used to indicate the level of risk involved in granting credit to a finance applicant.  It is based on how well consumers have paid their debt off.  Nicky…

Investments MallGuide_Risks_that_occur_when_investing_in_a_bond
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Interest rate risks- when interest rate goes down /decreases bond prices go up/increases. When interest rate goes up/ increases bond prices go down / decreases. When interest rates are declining investors will try to capture the highest they can get. As interest rates fluctuate the…

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