Articles by Harper Banks
The difference between a credit score and a FICO score
When looking up information about your credit score, you may have come across something called a “FICO score” and wondered what it was.
Is your credit score valid in other African countries?
A good credit score allows you to access credit when you need it the most. However, will your credit score still help you land a loan if you move to a neighbouring country?
“Wrap fund” unit trusts – what are they about?
You may be surprised to find out that a wrap fund isn’t a fund at all. It’s often mentioned alongside unit trusts and investment managers might refer to it when discussing your portfolio.
The insurance implications of having a dashcam in your car
Your insurance premiums are impacted by numerous factors. Having a dashboard camera installed in your car may well be among them.
The 4 main asset classes in South Africa
Investment terms are often thrown around without any explanation as to what they actually mean. The term “asset classes” is a case in point.
How to protect the generational wealth of your family business
When you start your own business, you may not always consider how your actions will impact future generations. But there are ways to ensure your organisation creates – and sustains – long-term wealth that will benefit your grandchildren.
What kind of investor are you?
Everyone has a unique investment style. However, certain characteristics can be grouped together to form “investor personalities”.
Can companies request your payslips in the hiring process?
When you apply for a new job, part of the hiring process often involves submitting a current or previous payslip to prove both your salary amount and employment.
Interest-free days and interest amounts – what are the limits?
When you open a credit card account with your bank, you will receive certain benefits based, in part, on your credit profile. The number of interest free days and the interest rate are among the credit conditions that will apply.
How do insurance brokers work?
If you have an insurance product, you may have worked with an insurance broker. They generally step in and help you make sense of insurance products. But what else should you know about them?
How to get out of a financial emergency
We all hope to have consistent, surprise-free finances. But sometimes we need to deal with unexpected events. We consider ways you can prepare for emergencies, and we look at three steps you can take to secure your finances when an emergency hits.
Can your TV licence payments impact your credit score?
Everyone who owns a television in South Africa is liable to pay for a TV licence. But what happens if you don’t pay it? We have a look at how the license works, and how failure to pay it can impact your credit score.