Garach & Garach
GARACH & GARACH is a multi-disciplinary firm of Financial Advisors who provide professional commercial and financial solutions to quality conscious clients in a cost effective manner.
The firm has a vision to be the professional service provider of
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Personal Finance news
The Government Employees Medical Scheme (Gems), the country’s second-largest medical scheme, will from October apply waiting periods to government employees who join the scheme only when they are already sick so that they can access expensive hospital benefits.
If you’re a holiday-club member who owns points, as opposed to timeshare, and you no longer want the points for whatever reason, send a letter to the club stating that you are relinquishing your points and cancelling your membership.
Diversifying into a passively managed multi-asset investment can reduce your risk of under-performing an index, as well as the costs of investing, Old Mutual Investment Group’s index-tracking division says.
Failing to pay provisional tax when you are obliged to do so can result in costly penalties, so if you have any doubts about whether you’re a provisional taxpayer or not, it’s best to check, particularly because the first provisional tax deadline (August 31) is fast approaching.
Are you at your wits’ end because the South African Revenue Service (SARS) can’t provide a satisfactory answer to a query? Perhaps you’re due to receive a tax refund, but, for some unknown reason, the amount is never paid into your bank account. The good news is that you have recourse to the Office of the Tax Ombud, an independent body accountable to the Minister of Finance.