“Mortgage”, “Mortgage Bond” and “Home Loan”: What’s the Difference? Derived from French “mort” and...
Effective 1 March 2025: New National Minimum Wage
The National Minimum Wage (NMW) for each “ordinary hour worked” has been increased from 1 March...
Legal Speak Made Easy
“Mortgage”, “Mortgage Bond” and “Home Loan”: What’s the Difference? Derived from French “mort” and “gage” (literally “dead pledge” because it “dies” when settled), a mortgage secures a creditor’s claim and enables it to sell the bonded property if the debtor defaults...
Effective 1 March 2025: New National Minimum Wage
The National Minimum Wage (NMW) for each “ordinary hour worked” has been increased from 1 March 2025 by 4.4% from R27,58 per hour to R28,79 per hour. Domestic workers: Assuming a work month of 22 days x 8 hours per day, R28,79 per hour equates to R230,32 per day...
Defending Yourself: What Weapons Can You Legally Carry?
“The right of self-defence is the first law of nature.” (St. George Tucker, Blackstone's Commentaries, 1803) South Africa’s chronically high crime rates have left many of us wondering what the limits are when defending ourselves and our families from criminals. What...
From the Horse’s Mouth: “Should You Use AI for Legal Advice?”
“If you didn’t hear it from the horse’s mouth, it came from the other end of the horse.” (Anon) The rapid rise of AI is hard to ignore. DeepSeek’s AI assistant, only launched on 10 January this year, has grown to rival ChatGPT in popularity, making it the most widely...
Mortgage Bond Arrears: Can You Challenge a Certificate of Balance?
“O, I do not like that paying back.” (Falstaff, in Shakespeare’s Henry IV Part I) A standard clause in loan agreements, suretyships and the like is the “certificate of balance” or “COB” clause. Typically, it will read something like this (but normally with a lot...
Employers: How to Avoid Paying Severance Pay on Retrenchment
“Only in our dreams are we free; the rest of the time we need wages.” (Terry Pratchett) Retrenching employees can be an expensive business. You’ll have to pay each employee a minimum of one week’s pay for each completed year of ongoing service, and that total...
Braai Chain Hauled Over the Coals for Hidden Service Charges and Fined R1m
“The secret of life is honesty and fair dealing… If you can fake that, you’ve got it made.” (Groucho Marx) We’ve all had this experience – meal over, relaxed and happy, you call for the bill and decide to reward your friendly and helpful waiter with a good tip. Only...
Do You Need a Second Will for Your Overseas Assets?
“Only put off until tomorrow what you are willing to die having left undone.” (Pablo Picasso) If you own assets outside South Africa, you may have wondered: Is my local will enough? This is a question many South Africans are asking, and the answer will depend on your...
A Complex Issue: Beware Late Building Penalties
“Home wasn't built in a day.” (Jane Ace, radio comedian) You find the perfect plot on which to build your dream home in a security estate. Your offer is accepted and transfer proceeds – happy days!So, imagine your distress when having proudly taken ownership, you are...