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5 Keys to Making Your New Year’s Financial Resolutions Stick

Article by www.entrepreneur.com

As an entrepreneur or business owner you know the truth of the old saying that sometimes you have to spend money to make money. But, you also have to save money to have money! And saving more money consistently ranks as a top financial resolution people make each New Year.

We all need to do it — whether to build a robust emergency fund, secure our retirement, or create the equity we need to build a business and lifelong wealth. But, how many people actually succeed?

According to some reports, up to 80 percent of people who make New Year’s resolutions fail to keep them. Yet we know that people who make resolutions are 10 times more likely to attain their goals than people who don’t.

For many people, the start of a new year is the trigger they need to change their behavior patterns to set themselves on a lifelong journey toward financial security and self-sufficiency.

What does it take to be one of the successful few? What can you do this time around to increase your likelihood of remaining on track when next New Year’s Day rolls around?

1. Understand that real, permanent change comes from within, rather than from outside pressure.

In their groundbreaking book, Changing for Good, three psychologists looked at 130 different techniques that people used to try to give up smoking. They discovered it is not a lack of potent and effective quitting techniques that defeats so many smokers. Rather, it is the internal thought processes that prevent (or enable) permanent, life-enhancing change.

Their discovery captured the attention of leading academics, clinical psychologists, life coaches and authors looking into why certain people are able to set a life-changing goal, meet it and keep themselves from relapsing.

The good news: Researchers have discovered that we all have it within us to modify our behavior and cross the “Resolution Finish Line,” regardless of how ingrained our habits are. When you consider how mindset affects everything in our lives, it’s no surprise that it’s the key to achieving our financial goals.

2. Enlist allies to help you stay on track.

Many people require outside support when they decide to get serious about holding themselves accountable for their financial resolutions.

M. Kathryn Seifert, Ph.D., a Maryland psychologist who operates three mental health clinics, says a coach — whether a professional for hire, a friend or a religious leader — can help people reinforce their commitments.

Dr. Seifert’s clinics see about 2,000 distressed individuals a year, many of them struggling with financial crises. For most people, the right motivation coupled with persistence and the aid of a coach provides what they need to achieve their goals, she says.

3. Set incentives and consequences for sticking to or breaking your commitments.

Consider using websites such as www.stickk.com that allow you to give yourself incentives for sticking to your commitments, and set up penalties for breaking them.

This carrot and stick approach relies on three factors: a goal, stakes, and a referee, according to an article a few years go on commitment contracts.

When you make a commitment binding in this way, it will make you think twice before backsliding. Even better, the rewards that come with sticking to your commitments establish a feel-good pattern of positive reinforcement. And that will make staying on track easier as you move forward.

4. Skip the pity party when you fall short.

Don’t wallow in self-blame when you fail. Instead, pick yourself back up, learn from your mistakes, and go right back to work toward your goal.

Steve Siebold, author of How Rich People Think, says one of the key differences between those who are defeated by financial roadblocks and those who knock down barriers along their path, is how they respond to disappointment.

Siebold estimates that 40 percent to 60 percent of today’s most successful investors, entrepreneurs and executives have failed multiple times. Those who rebound the fastest and most successfully set aside emotional thinking and put their minds to the task of plotting a logical pathway forward.

5. Don’t set yourself up for failure by insisting on an all-or-nothing change.

Judith A. Belmont, a psychotherapist and author of the “The Swiss Cheese Theory of Life,” has described New Year’s resolutions as “a setup for failure” because they embrace an all-or-nothing attitude toward change.

Belmont cautions against perfectionism and advises patience and persistence instead.

“It doesn’t matter where you are on the journey, what matters is the direction you are going,” she says. “Learn from the past, accept shortcomings, realize where you made errors and build on them like stepping stones.”

One final piece of advice: Give yourself reminders to keep your focus on where you are going and your long-term goals. One of my favorite ways to do this, especially when it comes to holiday shopping, is to wrap my charge cards in my goals. Every time I take a card out, I see a picture or some words that remind me of why I am saving. This is a trick to make yourself pause a moment and consider whether what you are purchasing is more important than your goal.

Remember, when it comes to keeping your financial resolutions, you are the key. You make decisions every day, every week and every month throughout the year that all add up when it comes to building savings and wealth. Only when you set your mind and heart to the task can you successfully create long-term change in your fiscal direction.

Article by www.entrepreneur.com

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January 23, 2018 / No Comments /  

10 Effective Year-End Financial Planning Tips

With the fourth quarter of the year upon us, it can be a smart time to take inventory of your financial situation. Here are 10 easy steps to complete an effective assessment.

1.    Assess your 2017 plan progress. Look at any areas of your 2017 written financial plan that you have not yet accomplished and endeavor to complete them in the remaining months, or include them in your 2018 plan.

2.    Review your current cash flow. Take a deeper look at what you are spending your money on each month and determine what opportunities there are to find “painless savings”. Maybe you will find some easy ways to save a few extra rands for your long-term goals.

3.    Calculate your asset allocation. The run-up in stocks may have increased your stock allocation and you may hold more risk than you are comfortable with. If so, look at making some reallocations – and don’t forget to consider the tax implications of any move inside a taxable account.

4.    Estimate if you are on track to maximize your tax contributions. Try not to miss any valuable tax deductions, and also be sure to defer in each pay period to maximize any employer matching contribution.

5.    Talk with your tax and financial advisors. Explore other ways to save on your tax bill. There may still be time to take action, but time is running out!

6.    Harvest tax losses. At this point in the bull market you should have more winners than losers, but not all stocks and mutual funds are up. If you hold some losing positions, consider selling them to offset other gains.

7.    Plan for any mutual fund distributions.Call your advisor or the fund company to estimate the amount of any distributions and gains. Then either offset those gains with any losses you may have realized, or begin to set aside money for the related tax bill.

8.    Check your Flexible Savings Account (FSA). Determine if you have an unspent balance inside your FSA plan. Many plans have a “use it or lose it” feature. Maybe you’ve been putting off a doctor visit or need a new pair of orthotics or a new pair of glasses. If so, use your pre-tax rands that you elected to put into your FSA account, and let the government subsidize some of the purchase cost.

9.    Review your homeowners insurance. It may also be a good time to review home and auto insurance to see if the coverage you have makes sense. Make sure the amount of replacement value on your home includes any recent increase in value. Also look at changing your deductibles as a way to possibly save some money.

10.  Consider what life changing events you may face in the new year. For example, if your employer is struggling or planning job cuts, or if you want to change jobs, do you have enough liquidity on hand while you look for a new position? If you are buying a new home, are there steps you can take now to improve your credit rating? Or, if you have unexpected medical expenses how will you meet what is potentially a high deductible in your health insurance policy?

The financial planning process is continual and never ending. Reviewing year-to-date progress and anticipating future needs can lead to better results. So use this year-end period to assess your current situation and identify future planning opportunities.

Reference: Mark Avallon , Forbes.com

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November 30, 2017 / No Comments /  

Graeme Saggers Tax Roadshow Presentation

Watch Graeme Saggers’ presentation from the Tax Roadshow.

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October 26, 2017 / No Comments /  

Dr Iraj Abedian speaks at The Finance Team function

Economist Dr Iraj Abedian:

“The private sector is SA’s only hope of pulling ourselves out of the ditch.”

South Africa is in crisis, and the private sector is the only sector that can change this. This is according to Dr Iraj Abedian, professor of economics, former chief economist of Standard Bank and CEO of Pan African Investment and Research Services speaking at an event co-sponsored by The Finance Team on Thursday 5 October 2017, he described South Africa having “an oblivious government with an economy on the brink.”

South Africa faces a global climate of uncertainty and nervousness. Gross fixed capital formation was in negative territory in four out of the past six quarters. The rand has weakened recently, despite a temporary uptick. According to a recent report from the South African Chamber of Commerce and Industry, business confidence is the lowest it has been in 32 years. Rising public debt now constitutes the biggest risk within the economy.

With all of these factors combined, if our GDP grows more than 0.5% this year “it will be almost miraculous,” said Abedian.

In his opinion, South Africa’s biggest threat is not the economic climate but the state capture that is permeating so much of our government and the private sector.

“Believe it or not, from a purely economic point of view, South Africa is not in a bad space,” said Abedian. “The structure of the economy is not vulnerable … it’s just got a rotten government and a whole lot of bad businesses. The economy is suffering under our people.”

The so-called “Gupta Leaks”, a recent spate of revelations alleging sinister and corrupt relations between political leaders and business owners have contributed to a huge loss in confidence. The parallel factions that have arisen in the ANC have led to policy uncertainty, a key consideration for investors and rating agencies. A fierce, at times even violent battle for leadership is underway in the governing party, growing more and more heated as its December conference approaches. For the first time since democracy, the ANC is not the foregone winner of the next national elections, and international investors are skittish about the changes that could usher in.

Add to this the fact that South Africa has been downgraded to junk status by both Fitch and S&P rating agencies. If Moody’s — which currently has South Africa sitting at one notch above junk with a negative outlook – joins its peers in a ‘junk’ outlook on the country, it will have massive effects on the country’s cash reserves. Bondholders will be legally required to withdraw from South Africa within 6-12 months. New investors will likely come in, but at a worse rate and on less favourable terms.

“Investors and consumers have lost confidence,” said Abedian. “All businesses are in a very uncertain, very doubtful, volatile state of mind. At the moment … business [is] in a state of what, at best, maybe a holding pattern. But that’s not the way to grow an economy.”

So how do we steer the country – and the economy – in a new direction? By leveraging our strongest asset, said Abedian.

“From a global perspective the comparative advantage of South Africa is not its government, not its resources; it’s the strength of its private sector.”

The private sector and its investment in the South African economy “is the only hope that we have of pulling ourselves out of the ditch we are in,” he said.

But this means clearing out the rot, so to speak. It starts with business holding itself to a higher level of accountability – as investors, drivers of growth and purveyors of ethical norms. It means becoming corporate activists, said Abedian, who recently resigned from the board of Munich Re because of the company’s continued engagement with audit firm KPMG after they were implicated in the Gupta Leaks.

The private sector “has to stop being sheepish. It has to be a real ethical social stakeholder.”

 

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October 26, 2017 / No Comments /  

9 ways to spring clean your finances

With all the twists, shifts and turns the economy has taken this year, it certainly hasn’t been easy-going for cash-strapped South Africans. Now that we’ve kissed the winter blues goodbye, it’s time to welcome the warmer season with open arms and there’s no better way to do it than with a spring clean… of your finances!

“Take this opportunity to get organised. The more organised you are, the more in control you are. You want to be in control of your finances – not the other way around,” says John Manyike, head of Financial Education at Old Mutual.

While it sounds easy in theory, in practice there are often unexpected curveballs that can throw even the most prudent of budgeters off the straight and narrow.

“Changes in both the economy and your personal life affect your budget, which is why it should be revisited on a regular basis,” says Budget Insurance’s Susan Steward.

In September, petrol prices are expected to rise by 59 cents a litre and diesel by 56 cents a litre. Electricity tariffs are expected to increase by more than 20%. And as August stats indicate, South African consumers remain under tremendous pressure to clear debt.

Preliminary statistics from Stats SA reveal that there have been 48 169 civil summonses issued for debt in June, valued at more than R350 million.

Here are a few guidelines from the experts on how to balance our budgets between September’s petrol hikes and increasing consumer debt and living costs.

1.First things first: get rid of debt

Make sure to pay off the most expensive debt first. “This is the debt that carries the highest interest rate and is costing you the most. For example, if you have a bond at a 10% interest rate and a personal loan at a 20% interest rate, consider paying off the loan first,” says Manyike.

Winter shopping splurges on credit may have accumulated, but if you received an annual increase in July, you may have a little more in your bank account and – as much as it can be tough – use it smartly by paying off outstanding debt, Steward advises, or strategise a smart budget plan to make the necessary payments.

2. Cut costs

This isn’t about scrutinising every cent you spend but rather establishing spending patterns to identify possible areas for saving. A good way to do this is to look at your monthly bank statement and see where most of money is going. You may be surprised at just how much you’re spending in certain areas and how by making small changes you could keep your spending in check.

3. Less is more

Examine your monthly budget and if your expenses exceed your income, cut out things you can do without. Just like cleaning out your closet or selling old equipment that is taking up unnecessary space, try to eliminate all expenses and purchases that are not essential. Be very clear on the difference between needs and wants.

4. Remember your saving goals

If you didn’t stick to your New Year’s resolution to save more money this year, it’s not too late to start now. Make a plan to set up a monthly debit order to an investment account or open a tax-free savings account, increase your pension fund contribution and request the 13th cheque option from your employer, if available to you.

5. Save for the unexpected

The amount you save towards an emergency fund depends on your personal circumstances. Ideally an emergency fund should cover three to six months’ living expenses, says Steward, adding that while this might seem like an insurmountable amount to save, just by putting aside R250 a week, for example, you have yourself R1 000 at the end of each month.

“If you don’t have savings, you aren’t getting ready for the day when you must pay out more money than you have. This day can come in the form of an unexpected medical bill, or family emergency, and it is at times like these that your savings can save you,” Manyike points out.

6. Track your spending

Try establish where unnecessary spending goes and how you can reduce it by making small changes to save big. Keep track of expenses in your statements and find a pattern to re-strategise saving methods.

7. Outdated fees must be phased out

You could be paying subscription fees for magazines you don’t read, a gym you don’t go to or paying for a bank account you no longer use. End subscriptions and use the money in more efficient places.

8. Payments that don’t reap rewards

Always read the fine print or terms and conditions when it comes to gaining loyalty points from reward programmes. Falling for a quick programme can have you overspending for smaller returns. Sometimes it’s just not worth it.

9. Know the money lingo

Research, read and seek advice on the best methods to save your money and make it go further for longer. Understanding investments, pension funds and the best account to save and spend your rand can certainly take you a long way.

 

Article by: www.moneyweb.co.za

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September 20, 2017 / No Comments /  

Cash flow management

Cash flow management for small businesses is one of the greatest challenges for business owners and managers. The process of managing the outflow of cash to settle accountants payable utilising cash inflows from cash sales and accounts receivable, is a daily task. By successfully managing to balance these two activities, companies are able to generate the optimum cash flow for the business.

How do you ensure that the cash coming in is sufficient to cover all the outgoing payments that are required? It really seems like the simplest of equations, but in reality, correctly managing cash flow and your cash flow conversion cycle is what will keep your business alive. Failing to manage your cash flow conversion cycle will place your business under huge pressure and often results in business failure. With the tips contained in our infographic, for managing cash flow, you’ll find ways to balance out your cash flow cycle, including taking out a small business loan or line of credit to cover inventory, seasonal demand or hiring new employees etc.

Here are some tips on Cash flow management for small businesses:

Accounts Payable

  • Compare prices from more than one supplier and select the supplier that offers the best product for the best price. Continuously re-evaluate suppliers and services to ensure they remain competitive.
  • Ask suppliers if they offer a settlement discount if their account is paid immediately and not only after 30 days which is the norm.
  • Ask venders to extend payment dates to fall in line with your incoming cash flow
  • Evaluate all your payees. Don’t just automatically settle the small amounts first. Consider their terms and understand how essential they are to your business.
  • Maximise your payment effectiveness. Automate your payments through internet backing so your accounts are paid on time.
  • Consider using a business credit card to settle bills immediately and pay the amount off over time or apply for business credit cards for staff who need to incur business expenditure regularly at various adhoc suppliers, thereby cutting down the paperwork and man hours associated with a reimbursement process.

 Accounts Receivable

  • Offer your clients to the opportunity to pay you on a retainer basis. This will help them to manage their cash flow better and if a retainer is agreed, it will help you better manage the timing of cash coming into the business
  • Research. Always make sure that your pricing of goods and services remain competitive when looking at companies within the industry that offer similar goods and services. Whilst conducting research, consider if there are any additional goods and services that you should be offering to your clients or customers.
  • Track payments so you are aware of the timing of incoming cash, perhaps offering a discount on early settlement that will encourage clients to settle their accounts early, thus improving the cash flow of your business.
  • Set earlier time frames for accounts to be settled. If you can request only COD or EFT payments as they are a lower risk way of trading. However, if clients or customers do need terms, then reduce these terms from 60 days to 30 days.
  • Run credit checks on new clients or customers. It is critical for companies whose core business is manufacturing to undertake this prior to orders being processed. Nothing can sink a company faster than when they have manufactured an order of customised or company branded items that cannot be sold to defray expenses. Always ask for a 50% deposit before commencement of any order.
  • Make sure you send out clear itemised billing statements so clients or customers are fully aware of what they owe and the length of time this has been outstanding.
  • Divide work into stages or phases and request payment for each stage or phase before work continues on future stages or phases.

source:www.citizensbank.com  

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August 16, 2017 / No Comments /  

Knowing the costs involved in your business

How much does your business really cost to run? You get the financial reports at the end of each month; you know the overall figures. But how much does it cost to produce a finished product every day? Are you charging too much or not enough? And what are the costs you don’t even realise you’re incurring?
A survey in Canada revealed that many business owners are out of touch with their own expenses. Almost 40% of them said that they don’t think they are selling their goods at market value. A quarter of respondents felt they were undercharging.
The report says small business owners are missing opportunities and risking their chance of success over the long term by not knowing how to accurately value what they sell.
“If you are undercharging for something you put your blood, sweat and tears into you are undermining your business,” says Rob King, director of small business at Intuit Canada.“That means not being competitive or as profitable as possible.”

In order to accurately pinpoint the right price for your goods, however, you need to have an accurate idea of your costs. It is here that many businesses come unstuck. If you’re battling to determine exactly how your expenses are adding up, we recommend outsourcing financial management. Your appointed financial executive will look for hidden costs in the following areas:

Insurance

Insurance is a necessary cost for almost every business, but it can mount up annually without going checked. Often, insurance companies come in with a low fee quote to secure your business, and then hike up their tariffs every year without you even noticing the extra expense. Outsourcing financial management will allow your financial specialist to conduct a cost analysis on this particular area of the business over the past five years. When outsourcing financial management, your specialist should make it a habit to get new quotes on business insurance every second year. This will ensure your fees remain competitive. Either your existing insurer will need to meet the quote of their competitor (they very often do) or you can switch to another insurer.

Utilities

Chances are, you’re paying a hefty bill for lights and water every month without thinking. We’re all familiar with the ‘guesstimates’ that take place to determine rates at municipalities. We scrutinise our bills at home and bring in someone to conduct a metre reading if the bill seems too high. Why not make this a monthly routine at the office as well? You probably don’t have the time to do it, but outsourcing financial management will mean that someone else will.

Bank fees

Banks are masters at throwing in ad hoc bank charges and incrementally increasing transaction fees. In addition to this, some areas of their fees are based on a sliding scale; for example, ATM withdrawal fees often include a flat rate and a percentage of the amount drawn.

It’s evident from these situationally-based numbers that proper planning of bank charges is difficult. Outsourcing financial management will allow someone to routinely check in with the numbers, look out for ad hoc charges and make sure that you’re using the most cost-effective bank for the kind of banking you do most.

Outsourcing financial management can help you determine, track and manage hidden costs in your company. This can help you have a better idea of your operational expenses and thus help you price your product in such a way that you stay competitive and see healthy returns. To find out more about professional solutions for outsourcing financial management, contact The Finance Team. Our associates can assist you on a full, part time or interim basis.

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July 12, 2017 / No Comments /  

Why you need financial support when starting your own business

The decision to start your own business is probably one of the most challenging decisions an individual, or group of individuals can make. Sometimes it comes out of necessity and other times it comes from wanting to live outside the box and be the master of one’s own destiny.

 

The challenge experienced by most entrepreneurs, is that they start with a very limited budget, sometimes not having sufficient financial resources to draw a salary in the first few months and because of this cash flow constraint, entrepreneurs attempt to be the jack-of-all-trades in the early stages of the company’s growth and take on all the critical areas within the business – from Sales to Marketing to Logistics and Finance.

 

The reality is that without appropriate financial information and support, you may struggle to get your business to really take off. Having the right business structure and the necessary controls and processes in place to provide you with critical information is core to the growth of any business.

 

No matter the industry, a solid understanding of cash flow and the business profit model can be the make or break element for a business. As an SME, the practicalities of obtaining this financial information and support is that the limited cash flows prevent the engagement of a full time financial resource that has the necessary skills and experience to address these issues.

 

All is not lost however as companies do exist within the South African market that have been created for this exact quandary. They engage the services of highly qualified and experienced financial executives who are able to provide professional financial executive services on a flexible basis. This follows the international trend that has exploded over the last decade in both Europe and the USA.

 

What does this mean to the entrepreneur? The simple answer is EVERYTHING!

 

These consultancies provide SMEs with affordable access to these executives on a part-time or interim basis. So, if the company is still at a size where the affordability or need for a full time solution is yet to be justified, these consultancies will provide the company with an experienced financial executive at either Financial Manager or Financial Director level that can work anything from one day a week upwards, which makes this a viable option.

 

The opportunities abound within the SME market as a tailor-made solution can be created. Just make sure the company you choose has the right mix for your business. We base our model on key elements: Trust, Experience, Flexibility, Director-Level Involvement, and a Team Approach.

(Source: mweb.co.za)

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June 29, 2017 / No Comments /  

Are recruitment agencies able to deliver on quality financial resources?

Many people in senior HR positions agree that one of the most challenging – and simultaneously rewarding – aspects of their job is finding new candidates to fill key positions within the business.

We’re all familiar with the frustrations of sifting through hundreds of CVs that are completely unsuited to the job you advertised for, or pinning your hopes on that candidate who seemed perfect on paper, only to discover that the real-life fit is far from ideal.

You may start off looking for the candidate yourself. You advertise in a few key places and wait while the résumés pour in. After days of fruitless interviewing, you decide to turn to a recruitment agency. However, how sure can you be that the company you appoint is drawing in the best candidates for the position? After all, you are more au fait with the nuances of the job description than they are. And the recruitment agency is driven by what could become conflicting interests: their own deadlines and commission they could earn for placing as many people as possible for as long as possible.

As the commercial hub of the country and the economic capital of the continent, there are several recruitment agencies in Johannesburg at your disposal. You have a choice between large, generalised placement companies and smaller, more niche operations. But all recruitment agencies in Johannesburg face certain constraints.

Recruitment agencies’ biggest struggles

Some of the difficulties faced by recruitment agencies in Johannesburg align with those faced by similar companies around the globe. In its 2013 recruitment trends survey, jobs.ac.uk asked recruiters from all seven continents what their biggest challenge was.

The most frequent response (30% of respondents) said that was that there was a lack of skilled or quality candidates to fill positions.  This is an all too familiar refrain for local recruiters, who face a workforce that was largely denied from meaningful skills training for decades.

Following this, 24% of respondents said they faced a reduction in recruitment budgets. They were tasked with finding someone to achieve the same job but with less money to do it. This constraint is especially true in the current environment in South Africa. Companies approaching recruitment agencies in Johannesburg face consumer confidence at its lowest point since 2008, sluggish GDP growth and low manufacturing figures. By necessity, companies like yours need to get more done with less.

The third biggest challenge faced by recruiters was high competition for talent from other employers. With the current local emphasis on black economic empowerment (BEE), this difficulty has become especially true in South Africa when it comes to permanent placements. Recruiters complain that high quality candidates who meet BEE criteria are in constant threat of head-hunting, and subsequently demand ever-increasing salaries that eventually become out of kilter with industry benchmarks.

The survey also posed another telling question: which roles do recruiters have the most difficulty recruiting for? The largest portion of respondents — almost one in four — said that they battled the most to recruit senior management positions.

strategy-execution
The survey responses revealed what could be an argument for the use of specialised consulting companies rather than generalised recruitment agencies in Johannesburg, especially when it comes to filling niche and senior roles.

So how could a specialised consulting company assist? A financial consulting company focuses on finding and placing the right financial executives in the right positions for the right amount of time. They operate differently to recruitment agencies in Johannesburg. And interestingly, their unique structure and emphasis means they are positioned to efficiently circumventing some of a recruiters’ biggest difficulties.

First of all, specialised financial consulting companies have no shortage of skilled candidates. If you are looking for a financial professional, be it at CFO, financial manager or project accountant level, they will have someone already screened and suitable to fill your need. They draw from a unique and growing pool of people who are looking for an alternative to full time corporate positions or have become more readily available due to marketplace realities.

For the same reason, you need not worry about competition for your professional from other employers. The professionals in the consulting practice have joined them because of lifestyle reasons and don’t get embroiled in pitching your opportunity against that of any other entity in a bid to get the highest rate.

Thirdly, the consulting company should understand your budget constraints. Instead of pushing a full time placement like most recruitment agencies in Johannesburg would, they will advocate only using the professional for the time you actually need him or her. In essence, they can help you achieve your goals on a smaller budget.

Lastly, financial consulting companies succeed where generalised recruitment agencies in Johannesburg battle the most, in the struggle to fill senior management positions. Their professionals have the appropriate accounting qualifications and years of corporate experience. In other words, the Finance Team associates that come from senior management positions and are ready to step into yours. Contact us here.

Leave your details for an obligation-free conversation regarding your specific needs.

Anton Apps PAG Kelly Group SET Recruitment Spencer Stuart Accountants on Call Network Recruitment Communicate DAV Robert Walters FD Centre Kelly Temp Kelly Contract Kelly Personnel

 

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June 22, 2017 / No Comments /  

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