Improving Personal Finances in the New Year 

Introduction  Last week on Thursday 22 December 2022 I wrote an article titled “Festive season, back to school” in which I gave some ideas on how to manage personal finances

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Festive Season and Back to School 

Introduction  By now many businesses are on annual shutdown or have closed for the festive season which includes Christmas and the New Year holidays. After the festive period there is

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Understanding Memorandum of Understanding (Mou) 

Introduction  A Memorandum of Understanding or MOU is a commonly used document but at times confused with a contract or Memorandum of Agreement (“MOA”). In this article contract I explain

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Managing Finances During Litigation 

ntroduction  Many people and organisations face legal action from time to time. For organisations legal proceedings are normally civil in nature where for example a company is being sued by

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