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James Fischer

James Fischer is a South African finance professional with over 10 years of experience in investment management and personal finance. He runs a financial blog dedicated to helping readers make smarter money decisions, simplify investing, and plan for a secure future. Disclaimer: This blog is for educational purposes only and not financial, investment, or legal advice. Always do your own research or consult a professional before making financial decisions.

UIF Payout Calculator

UIF Payout Calculator

If you want to know what money you might get from the UIF, the easiest way is by using a UIF payout calculator. It estimates your contributions and what you might get based on your pay and employment history.  The…

Average Cost of Comprehensive Car Insurance

Average Cost of Comprehensive Car Insurance

The average cost of comprehensive car insurance in South Africa is R1,200 to R1,500 per month. That’s based on what I’ve seen from various sources. It fluctuates quite a bit depending on where you live and what you drive. Average…

Example of Cost to Company Payslip South Africa

Example of Cost to Company Payslip South Africa

Consider an example of cost to company payslip South Africa with a monthly CTC of R30,000, which includes a basic salary of perhaps R20,000, alongside company contributions to pension, medical aid, and smaller fees like UIF, leaving you with a…

How Is the Iris Proctoring Tool Activated

How Is the Iris Proctoring Tool Activated

You simply log in to the exam platform, follow the prompts to connect your webcam and microphone, and allow the tool to verify your identity. Once that’s done, the system runs a quick check of your environment, ensuring there’s nothing…

What Is a Proctoring Tool: Explained

what is a proctoring tool

A proctoring tool is software that watches over online exams to make sure the person writing is really the one enrolled, and that they are not cheating. Think of it as a virtual invigilator. Instead of a teacher walking around…

Disadvantages of PMD Car Insurance

Disadvantages of PMD Car Insurance

The main disadvantages of PMD car insurance are the limited coverage options, restrictions around how claims are paid, and the fact that it may not give the same level of protection as more traditional comprehensive insurance. Some people sign up…

Pro Forma Invoice vs Quote

Pro Forma Invoice vs Quote

When you compare a pro forma invoice vs quote the difference is simple. A quote is like a shop saying here is what it will cost if you buy. A pro forma invoice is the seller saying here is a…

Sage vs Pastel: Here’s The Difference

sage vs pastel

When you look at Sage vs Pastel, the Sage software has more cloud-based flexibility while Pastel is known for being simple and straightforward. In short, Sage can scale better for larger operations while Pastel is reliable for small to medium…

How Much Does It Cost to Remove Debt Review

How Much Does It Cost to Remove Debt Review

The cost can vary depending on your situation, but on average you are looking at anywhere between R6,000 and R12,000 in South Africa. If you are under debt review and want to get out, the first question that usually comes…