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Fixing your interest rate If you recently obtained a home loan for the first time, you should consider fixing your interest rate. Doing so is a way of creating a more stable monthly cash flow. Fixed rates are generally a few percentage points above your variable rate. Initially you will pay a higher rate but this will most likely be offset over time as interest rates increase. There are no extra fees if you fix

Applying for a home loan Applying for a home loan can be daunting. Your first step in the process should be to draw up an accurate household budget. If you don’t have a handle on how you are spending your money, you will only be able to guess how much you can afford to spend on your repayments. As a guideline, you shouldn’t be looking at spending more than 30% of your after-tax income. The

It’s our 1st birthday! Check out the big smiles on our exciting new line-up and win the chance to *take a day off on us!* You and a partner get to spend a day behind the scenes at the Smile 90.4FM studios; and a night to live the crystal life at African Pride Crystal Towers Hotel & Spa, which includes: a dream dinner at Towers Restaurant, luxury overnight stay, and breakfast with the Smile Breakfast

Organisation Profile Grassroots is a non-profit accredited organisation located in Cape Town and works throughout the Western Cape Province in the field of Early Childhood Development. Grassroots Education Trust was established in 1972 under the Chairmanship of Achmat Davids. The policy declaration was “that Grassroots was to be an entirely non-racial body and was to serve all children in greater Cape Town”. Its first project was called Project HELP (Home Early Learning Programme) which made

How Does StreetSmart Work? StreetSmart South Africa works along the same lines as it does in the United Kingdom, San Francisco and Australia. It is registered as a Non-Profit Organisation and a Public Benefit Organisation which functions as a conduit fundraising body, distributing raised funds to selected beneficiaries. The current beneficiaries in South Africa are organisations that work with street children and children who are vulnerable and at risk of becoming street children. A board