If you are reading this page the chances are that you are experiencing severe difficulties in managing your financial responsibilities. Please take the time and study the content of this website, as you may be surprised at the ease of regaining financial control through voluntary sequestration.

If as an individual you cannot pay your debts, one or more of your credit providers can apply to have your estate sequestrated. Alternatively you can apply for voluntary sequestration. In instances where you have a large amount of debt, which is going to take over 10 years (excluding your home loan) to pay back, then Voluntary Sequestration in South Africa is a better option than Debt Review or Debt Management.

Since the beginning of time, acquiring information, controlling it and using the knowledge gained has been key to building both ancient empires and modern global companies. Knowledge equals power.

Analytix Business Intelligence is a Proudly South African MARKET RESEARCH and CONSUMER INTELLIGENCE company that conducts market research and analysis to ensure smarter, more-profitable decisions are made – imperative when economic conditions are challenging.

What makes us unique is that we conduct integrated quantitative, qualitative and desk research in order to deliver a 360° view of consumers, successful customer value propositions and marketing strategy.

Our strength in quantitative surveys and analysis is enriched by significant expertise in gaining qualitative insights from ethnographic-style, in-home research to provide a holistic understanding of the consumer. In addition to a comprehensive desk research service, we have more than 50 affordable, pre-packaged intelligence reports that are created by expert analysts – saving your valuable time and resources.

Debt Review:

Thanks to the June 2007 National Credit Act you now have an achievable alternative to getting your way out of debt through what is called debt review.
A debt counsellor is a professional who acts as a middle man between you and over eager creditors. They are there to negotiate on your behalf. In most cases the involvement of a debt counsellor will stop any legal action from taking place against you. The act of getting a debt counsellor also acts as a way to shows creditors that you are not trying to run away from your debt, but instead that you are trying to consolidate your debt.
In order to qualify for debt review you must have some kind of monthly income, regardless of where it comes from. This means anyone is able to apply. The only condition is that you generate enough money each month to pay for essential living expenses, like food, electricity, rent etc. while still being able to offer the creditors some kind of compensation.
Applying for the debt review process will usually take up to 5 days to complete.

Sequestration:

When you don’t own a business, but as an individual you are not able to pay your debts, credit providers can apply to sequestrate your estate. (Sequestration is the legal term for personal bankruptcy.) The other option is to apply for voluntary sequestration on your own. Where you have large amounts of debt that will take more than 10 years to repay (excluding your home loan), sequestration might just be a better option than debt review or debt counseling.

A court grants your request for sequestration and will then appoint an administrator or trustee to be in control of your estate. Your entire estate will be surrendered to the administrator/trustee who in turn will sell all your assets. Costs will be subtracted and the rest will be divided between all the creditors. Any outstanding amount owed to the creditor will be written off and the creditor may not pursue the customer anymore.
This is the biggest advantage of sequestration. You will come out the other end completely debt free, giving you a clean start. No debt collector or creditor may bother you again for their money. For many, this is a great way to get rid of sleepless nights or to stop worrying when the next creditor will come knocking.

Sources:

http://www.whatisdebtreview.co.za/

http://debtsolvation.co.za/

With over 35 years of operating Real Estate in Albany the Principals, Graham Walker and Rino Daniele, together with their team, know what it takes to successfully sell, buy and rent real estate.

Albany Property Brokers (formerly Ray White Albany) is Albany’s leading Real Estate Agency.

With Albany’s most dynamic Real Estate Consultants, Albany Property Brokers will broker the perfect Real Estate transaction for you.

We offer the full range of Real Estate service over all Real Estate activities. Our in-depth knowledge of the Albany Real Estate market, our commitment to excellent Real Estate service and our reputation as market leader in Albany’s Real Estate industry will ensure that your Real Estate transaction will be SUCCESSFULLY BROKERED.
Albany Property Brokers
The New Energy In Albany Real Estate

The driving principle behind this PR agency is to ensure clients grow their business as a direct result of our efforts to increase brand credibility and profile. The names Irvine and Bartlett are above our door because we believe in accountability.

We don’t sell senior resources and then palm clients off to juniors for delivery. While we have talented junior executives working at Irvine Bartlett we ensure that our clients have access to us at all times and across every project and campaign. Simply put, with Irvine Bartlett you get what you pay for.

Creative talent, communications expertise, proactive reputation administration and specialist teams lie at the heart of the work we do for some of the biggest brands in the country.

As one of the leading Public Relations Companies in South Africa we offer a broad spectrum of service from traditional Public Relations and publicity to effective digital and social media engagement and Online Reputation Management.

Irvine Bartlett Public Relations is headquartered in Cape Town and enjoys a nationwide network of resource partners throughout South Africa.

Precision Files

Cape Watch Tools & Jewellery Supplies are major stockists of precision files in South Africa. Precision Files are for those “in-between” jobs too big for needle files and too small for regular files. Once you have them in your shop, you will discover a surprisingly number of uses. Precision files, for exacting work, especially under magnification. Precision files are smaller, easier to handle, and possess a more precise geometry and are made of the highest quality steel, machined and finished for precision shape, accuracy and balance.

Precision Files are manufactured according to the highest standards of dimensional accuracy, cutting performance and service life. They are not only suited for metal work, but for fine woodworking too. Compared to Engineers’ files, precision files have marked tapering and smaller tips, sharp edges, strict dimensional and flatness tolerance and a higher and uniform hardness. That is obtained using, in all manufacturing steps, the most advanced CNC systems and the best available robotic technologies.

They are used in tool and machine tool manufacturing, in mould making and gold manufacturing. They are also used by lute makers instead of rasps, where higher surface finishing is requested or for joints and dovetails.

Precision Files have forward-facing cutting teeth, and cut most effectively when pushed over the work piece. Pulling a file directly backwards on a work piece will cause the teeth to bend, permanently damaging the file (especially when an inexperienced user adopts a back-and-forth “sawing” motion). Draw filing involves laying the file sideways on the work, and carefully pushing or pulling it across the work. This catches the teeth of the file sideways instead of head on, and a very fine shaving action is produced. There are also varying strokes that produce a combination of the straight ahead stroke and the draw filing stroke, and very fine work can be attained in this fashion. Using a combination of strokes, and progressively finer files, a skilled operator can attain a surface that is perfectly flat and near mirror finish.

At Cape Watch Tools & Jewellery Supplies; our large selection of Precision Files are made from the world’s finest cutting steel; milled to the exact shape and size desired. All are the essence of durability and hardness combined with the feel that a fine file should have.

Product applications: musical instruments, workshops, jewellers and goldsmiths

Despite the fact that they continue to be extremely popular in South Africa, a lot of untruths about them continues to go around. People generally have a negative impression about them. This is very unfortunate because they are excellent options for a wide variety of people, and they are useful in a number of different situations.

At Kathlego Cash Loans you can find a range of unparalleled cash loan services that you can count on whenever you are trapped in any financial emergency, medical treatment bill, unplanned traveling, small wedding party etc. You can easily apply for a hassle free cash loan at Kathlego Cash Loans and get the cash loan you need in minutes!

Once you are eligible to apply for no credit check cash loans, you will find that the whole procedure is so simple. There is no need to offer collateral and no need to fax excessive documents. At Kathlego Cash Loans, we believe that you will repay the cash loan within the specified period and give you the credit of any possible doubt. The procedure is easy and straightforward, you will not be muddled with needless details.

Kathlego Cash Loans takes pride in giving you access to the best possible kind of cash loan.

Obros International is known for two things SERVICE and STYLE We are dedicated to providing our clients with expert personalised, efficient service and a vast range of Budgets to Exclusive Office Furniture ranges to suit every corporate requirement Obros International is a well known business based in Midrand. We have a beautiful office furniture showroom in Midrand where our clients find inspiration for their offices and where we give consultation advice.

State of the art office furniture and accessories

ranging from basic typing office chairs to luxurious executive suites, in cherry wood, oak veneer, field oak, melamine and in steel. Our products include Ranges from Budget to Exclusive Office Furniture, Hospitality Furniture, School furniture, Steel Furniture and Plastic Furniture, all types of Office Chairs, from typist chairs, operator chairs, mid-back chairs and high-back chairs that can be covered in any fabric or leather Obros Office Furniture also provide Boardroom Furniture and Training room furniture, Accessories from desk sets and dustbins to flipcharts and whiteboards There is absolutely nothing in an office environment that we cannot provide We have an excellent service plan that ensures client satisfaction and support, even long after a sale Providing our clients with the best products in the market at the lowest of cost is our main aim We have a beautiful website where our clients can view and buy products online in their own comfort and convenience

So for the best Office Furniture at the lowest cost please come and see one of our office furniture consultants

We have a dynamic sales department team that is energetic, passion driven and highly skilled. We know the best products in the market and will assist you with any queries in relation to our products and services, as we are equipped with the “know-how”. Office furniture is about style, image and comfort, and here at Obros Furniture we know that speedy delivery, accessibility to information, efficient storage and flow of documentation is essential to effective modern business practice. Accordingly we have a specialist filing division that provides systems and solutions to cater for your daily needs.

We also design and recommend the best floor plans to suit your requirements and preferences, and provide our clients with the standard office furniture range as well as custom made to reflect their unique style and taste. Our sales people will ensure fulfilment of our clients’ every needs and wants for office furniture.

Other departments include customer liaison division that addresses any queries or problems relating customer service, and a specialized installation team to ensure that your office furniture products are installed to your satisfaction.

www.obros.co.za

Obros International is known for two things SERVICE and STYLE We are dedicated to providing our clients with expert personalised, efficient service and a vast range of Budgets to Exclusive Office Furniture ranges to suit every corporate requirement Obros International is a well known business based in Midrand. We have a beautiful office furniture showroom in Midrand where our clients find inspiration for their offices and where we give consultation advice.

State of the art office furniture and accessories ranging from basic typing office chairs to luxurious executive suites, in cherry wood, oak veneer, field oak, melamine and in steel. Our products include Ranges from Budget to Exclusive Office Furniture, Hospitality Furniture, School furniture, Steel Furniture and Plastic Furniture, all types of Office Chairs, from typist chairs, operator chairs, mid-back chairs and high-back chairs that can be covered in any fabric or leather Obros Office Furniture also provide Boardroom Furniture and Training room furniture, Accessories from desk sets and dustbins to flipcharts and whiteboards There is absolutely nothing in an office environment that we cannot provide We have an excellent service plan that ensures client satisfaction and support, even long after a sale Providing our clients with the best products in the market at the lowest of cost is our main aim We have a beautiful website where our clients can view and buy products online in their own comfort and convenience

So for the best Office Furniture at the lowest cost please come and see one of our office furniture consultants

We have a dynamic sales department team that is energetic, passion driven and highly skilled. We know the best products in the market and will assist you with any queries in relation to our products and services, as we are equipped with the “know-how”. Office furniture is about style, image and comfort, and here at Obros Furniture we know that speedy delivery, accessibility to information, efficient storage and flow of documentation is essential to effective modern business practice. Accordingly we have a specialist filing division that provides systems and solutions to cater for your daily needs.

We also design and recommend the best floor plans to suit your requirements and preferences, and provide our clients with the standard office furniture range as well as custom made to reflect their unique style and taste. Our sales people will ensure fulfilment of our clients’ every needs and wants for office furniture.

Other departments include customer liaison division that addresses any queries or problems relating customer service, and a specialized installation team to ensure that your office furniture products are installed to your satisfaction.

www.obros.co.za