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Ruan Jooste

Content Editor: Personal Finance

You cannot tax unhealthy habits away

Ruan Jooste|Published 1 year ago

RANTS AND CENTS: Thinking that simply implementing a tax will reach some sustainability target or health benefit in a few years is an absolute fallacy, writes Ruan ...

There is light at end of tunnel for over-indebted SA consumers

Ruan Jooste|Published 1 year ago

OPINION: South African consumers have become so over-indebted that any additional credit lines are starting to run very thin, but not all hope should be lost as ...

Confidence in Reserve Bank gets lost in translation

Ruan Jooste|Published 1 year ago

RANTS AND CENTS: I still have so many questions around the South African Reserve Bank’s year-long investigation and report into the controversial Phala Phala scandal, ...

Is incentive-driven churn rearing its ugly head again?

Ruan Jooste|Published 1 year ago

RANTS AND CENTS: Act against those financial brokers and companies who give poor advice to customers based on their own pockets and not the customer’s needs or interests, ...

Council for Medical Schemes taken to task for dragging feet in offering low-cost options

Ruan Jooste|Published 1 year ago

RANTS AND CENTS: The Board of Healthcare Funders was successful in its application to the High Court in Pretoria this week to overturn the moratorium that prohibits ...

Debt review not the silver bullet the industry proclaimed it to be

Ruan Jooste|Published 1 year ago

RANTS AND CENTS: While debt review is an option out of a tight financial situation, consumers should be warned that the process, duration and costs involved can ...

Rants and Cents: Sin taxes trigger black market activity

Ruan Jooste|Published 1 year ago

OPINION: Experts say the new six tax on vaping products could have the perverse effect of driving vapers to illicit products, in much the same way the government’s ...

Be afraid, be very afraid. Bank robbers no longer need getaway cars

Ruan Jooste|Published 1 year ago

Rants and Cents: Research shows that identity theft has grown by more than 300% between 2021 and 2022. Additionally, cases involving money muling have increased ...

Rants and Cents: South Africans are living on borrowed time

Ruan Jooste|Published 1 year ago

OPINION: South Africa’s savings rate is so bad and far below its emerging market peers, that it is actually considered one of the lowest in the world at only 0. ...

Rants and Cents: Taxing times, don’t make for the perfect crime

Ruan Jooste|Published 2 years ago

OPINION: Tax Freedom Day is a reference to a day that a country has earned enough money to pay for running its government in a financial year – it is estimated to ...

Owners face steep increases in property rates, tariffs and taxes

Ruan Jooste|Published 2 years ago

The increases in municipal rates and tariffs are putting immense pressure on property owners and tenants, with little relief in sight. These above-inflation increases, ...

Tax on booze and ciggies, but sugar sector gets relief

Ruan Jooste|Published 2 years ago

The existing and expanding tax bases has made it possible to provide some relief to the sugar industry in imposing a further increase in the health promotion levy ...

Deducting home office expenses from your taxable income can cost you later

Ruan Jooste|Published 2 years ago

It was all fun and games, when it became known to me that the South African Revenue Service (Sars) would allow me to deduct all my home office expenses from my income ...

Calls to place UIF under administration

Ruan Jooste|Published 2 years ago

Organised labour has been lashing out at the Department of Employment and Labour, calling its Unemployment Insurance Fund ‘a slush fund for corrupt elements’ inside ...

MTBPS 2022: Bumper tax collection to support fiscus

Ruan Jooste|Published 2 years ago

The Medium-Term Budget Policy Statement revealed an improved budget deficit for the first half of the 2022/23 financial year as a result of better-than-expected ...

South Africa’s grey-listing ’imminent and inevitable’

Ruan Jooste|Published 2 years ago

ALMOST a year after the Financial Action Task Force identified substantial limitations to South Africa’s Anti-Money Laundering and Combating the Financing of Terrorism ...

Tyre prices are going up and will take the cost of everything else with it

Ruan Jooste|Published 2 years ago

OPINION: The newly imposed anti-dumping duties will drive up tyre prices and, given the importance of tyre costs to the transport industry, will manifest in higher ...

SA has what it takes to create global cannabis brands

Ruan Jooste|Published 2 years ago

OPINION: South Africa has a once-in-a-lifetime opportunity to harness its competitive advantages and create cannabis brands that can take their rightful place on ...

Consumers to face higher sugar prices

Ruan Jooste|Published 2 years ago

The SA Sugar Association has issued a notice to increase the notional price of refined and brown sugar for the purposes of determining the price of sugarcane.