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	<title>morethanmoney</title>
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	<link>http://morethanmoney.co.za</link>
	<description>money forum, money question, money blog, personal finance, unit trust, retirement savings</description>
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		<title>Automated advice a huge responsibility</title>
		<link>http://morethanmoney.co.za/perhaps-advice-should-only-be-automated-after-much-agonising/</link>
		<comments>http://morethanmoney.co.za/perhaps-advice-should-only-be-automated-after-much-agonising/#comments</comments>
		<pubDate>Wed, 24 Mar 2010 20:55:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money matters]]></category>
		<category><![CDATA[automated advice]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[InvestOnline.co.za]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=545</guid>
		<description><![CDATA[Rod Lowe and Nick Brummer spent almost two years automating the advice process for clients who are interested in making a unit trust investment. They could potentially provide a much needed low-cost service to online investors who have already decided to invest in unit trusts, but just need help deciding between hundreds of portfolios. I have some criticism, though.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/perhaps-advice-should-only-be-automated-after-much-agonising/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Complete your provisional tax form like a pro</title>
		<link>http://morethanmoney.co.za/provisional-tax-tool-for-2010-now-here/</link>
		<comments>http://morethanmoney.co.za/provisional-tax-tool-for-2010-now-here/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 10:43:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money matters]]></category>
		<category><![CDATA[capital gains]]></category>
		<category><![CDATA[provisional tax]]></category>
		<category><![CDATA[SARS]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=455</guid>
		<description><![CDATA[South Africans registered as provisional taxpayers need to make their second payment for this tax year no later than 26 February 2010. MoreThanMoney has created a spreadsheet to help you calculate which figures to <a href="http://morethanmoney.co.za/tools">fill in on your provisional tax form (IRP6)</a>. ]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/provisional-tax-tool-for-2010-now-here/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Client satisfaction, increased sales</title>
		<link>http://morethanmoney.co.za/client-satisfaction-increased-sales/</link>
		<comments>http://morethanmoney.co.za/client-satisfaction-increased-sales/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 15:14:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[business]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[brand strategy]]></category>
		<category><![CDATA[client satisfaction]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[Mike Said]]></category>
		<category><![CDATA[sales]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=348</guid>
		<description><![CDATA[What do bottomless coffee, a public love affair and a digital camera in the bathroom have in common? They are all examples of the type of low-cost strategies that <a href="http://brandstrategy.co.za/">Mike Said</a> uses to step up sales.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/client-satisfaction-increased-sales/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Are the performance figures lying?</title>
		<link>http://morethanmoney.co.za/are-the-performance-figures-lying/</link>
		<comments>http://morethanmoney.co.za/are-the-performance-figures-lying/#comments</comments>
		<pubDate>Mon, 12 Oct 2009 11:55:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money matters]]></category>
		<category><![CDATA[internal rate of return]]></category>
		<category><![CDATA[investment returns]]></category>
		<category><![CDATA[IRR]]></category>
		<category><![CDATA[performance figures]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=344</guid>
		<description><![CDATA[Does it sometimes feel like you’ve earned less on your investment than the figures quoted by the insurer or the investment company? Chances are good that you did actually earn a different rate from the published return.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/are-the-performance-figures-lying/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy-to-let: Now you can do the calcs</title>
		<link>http://morethanmoney.co.za/buy-to-let-now-you-can-do-the-calcs/</link>
		<comments>http://morethanmoney.co.za/buy-to-let-now-you-can-do-the-calcs/#comments</comments>
		<pubDate>Mon, 05 Oct 2009 12:33:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money matters]]></category>
		<category><![CDATA[bond registration]]></category>
		<category><![CDATA[buy to let calculator]]></category>
		<category><![CDATA[buy-to-let caulculator]]></category>
		<category><![CDATA[property maintenance]]></category>
		<category><![CDATA[rental retuns]]></category>
		<category><![CDATA[transfer costs]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=335</guid>
		<description><![CDATA[Interest rates are nice and low by South African standards, and investors with spare capital may be tempted to dive straight into the buy-to-let property market. Because <em>you can’t go wrong with property</em>, right?]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/buy-to-let-now-you-can-do-the-calcs/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Your home: to buy or to rent</title>
		<link>http://morethanmoney.co.za/your-home-to-you-buy-or-just-keep-on-renting/</link>
		<comments>http://morethanmoney.co.za/your-home-to-you-buy-or-just-keep-on-renting/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 09:30:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money matters]]></category>
		<category><![CDATA[buy or rent]]></category>
		<category><![CDATA[property]]></category>
		<category><![CDATA[property costs]]></category>
		<category><![CDATA[tenant vs homeowner]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=328</guid>
		<description><![CDATA[When I just started working, I was amazed at how so many of my colleagues could bend their knees under the weight of a boulder of a bond just to own a home. Until someone pointed out (what should have been obvious) to me what happens to your rent at the start of every year and continues to do so for the rest of your life, while your home loan instalment stays fairly stable for 20 years and then disappears.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/your-home-to-you-buy-or-just-keep-on-renting/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>How hiding from the taxman can hurt you Part II</title>
		<link>http://morethanmoney.co.za/how-hiding-from-the-taxman-can-hurt-you-ii/</link>
		<comments>http://morethanmoney.co.za/how-hiding-from-the-taxman-can-hurt-you-ii/#comments</comments>
		<pubDate>Wed, 23 Sep 2009 14:09:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money matters]]></category>
		<category><![CDATA[deductions]]></category>
		<category><![CDATA[tax return]]></category>
		<category><![CDATA[to file or not to file]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=316</guid>
		<description><![CDATA[Last year almost one million taxpayers did not submit a tax return because they earned less than R120 000 during the year. While many of these employees rightly rejoiced in the fact that they may stay below SARS's radar, others sadly missed out on a welcome cash-back from the taxman.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/how-hiding-from-the-taxman-can-hurt-you-ii/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How hiding from the taxman can hurt you &#8211; Part I</title>
		<link>http://morethanmoney.co.za/hiding-from-the-taxman-can-hurt-you-part-i/</link>
		<comments>http://morethanmoney.co.za/hiding-from-the-taxman-can-hurt-you-part-i/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 11:12:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[business]]></category>
		<category><![CDATA[Money matters]]></category>
		<category><![CDATA[cash back from the taxman]]></category>
		<category><![CDATA[employed spouse]]></category>
		<category><![CDATA[tax relief]]></category>
		<category><![CDATA[tax return]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=309</guid>
		<description><![CDATA[I don’t know a single person who doesn’t enjoy getting something back from the taxman at the end of the year. But some prefer to stay as far below the taxman’s radar as possible, to their own detriment. Let’s look at a few scenarios where registering as a taxpayer or submitting a tax return could benefit you.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/hiding-from-the-taxman-can-hurt-you-part-i/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Single stock futures: not all fun and games</title>
		<link>http://morethanmoney.co.za/single-stock-futures-not-all-fun-and-games/</link>
		<comments>http://morethanmoney.co.za/single-stock-futures-not-all-fun-and-games/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 08:50:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Learning]]></category>
		<category><![CDATA[Money matters]]></category>
		<category><![CDATA[gearing]]></category>
		<category><![CDATA[Make a Million]]></category>
		<category><![CDATA[margin deposit]]></category>
		<category><![CDATA[short]]></category>
		<category><![CDATA[SSF]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=291</guid>
		<description><![CDATA[On 31 August 2009 trading starts for the fifth Make a Million competition. Last year, instead of buying actual shares for their competition portfolios, entrants had to buy single stock futures (SSFs) for the first time – a slightly more complicated and riskier game.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/single-stock-futures-not-all-fun-and-games/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Get rid of your home loan: still the best investment</title>
		<link>http://morethanmoney.co.za/get-rid-of-your-home-loan-still-the-best-investment/</link>
		<comments>http://morethanmoney.co.za/get-rid-of-your-home-loan-still-the-best-investment/#comments</comments>
		<pubDate>Mon, 17 Aug 2009 12:28:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money matters]]></category>
		<category><![CDATA[bond]]></category>
		<category><![CDATA[bond repayment]]></category>
		<category><![CDATA[debt-free]]></category>
		<category><![CDATA[emergency fund]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=283</guid>
		<description><![CDATA[Businesses would love you to channel the extra money left in your pocket after the bond rate cuts towards their cash registers, but should you not rather channel it towards your own bond repayments? Conventional wisdom screams ‘yes’ to the latter.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/get-rid-of-your-home-loan-still-the-best-investment/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Provence: sunny escape that won&#8217;t break the bank</title>
		<link>http://morethanmoney.co.za/provence-a-sunny-escape-that-wont-break-the-bank/</link>
		<comments>http://morethanmoney.co.za/provence-a-sunny-escape-that-wont-break-the-bank/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 18:42:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget travel]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[France]]></category>
		<category><![CDATA[holidayautos]]></category>
		<category><![CDATA[holidaylettings]]></category>
		<category><![CDATA[travelstart]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=263</guid>
		<description><![CDATA[I don’t recall the exact moment that it happened, but I know that before the end of our first week of camping under the plane trees, watching the sun set over the river and the medieval city wall of Avignon, Provence had me under her spell. And she has been luring me back like a homing pigeon since that first visit in 2001. How can you enjoy the best of Provence without breaking the bank?]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/provence-a-sunny-escape-that-wont-break-the-bank/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Debilitating money personality 5: The Innocent</title>
		<link>http://morethanmoney.co.za/debilitating-money-personality-5-the-innocent/</link>
		<comments>http://morethanmoney.co.za/debilitating-money-personality-5-the-innocent/#comments</comments>
		<pubDate>Wed, 08 Jul 2009 17:12:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal development]]></category>
		<category><![CDATA[innocent]]></category>
		<category><![CDATA[meritocracy]]></category>
		<category><![CDATA[Money personality]]></category>
		<category><![CDATA[warrior]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=253</guid>
		<description><![CDATA[Some adult Innocents may have lived very sheltered lives, delaying their disillusionment. But the majority prefer to maintain the illusion of a protected world, in which they don’t have to make an effort to financially educate themselves and where they simply outsource most financial decisions to either a spouse or a team of professionals.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/debilitating-money-personality-5-the-innocent/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Debilitating money personality 4: The Outsider</title>
		<link>http://morethanmoney.co.za/debilitating-money-personality-4-the-outsider/</link>
		<comments>http://morethanmoney.co.za/debilitating-money-personality-4-the-outsider/#comments</comments>
		<pubDate>Sat, 04 Jul 2009 11:42:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Learning]]></category>
		<category><![CDATA[Personal development]]></category>
		<category><![CDATA[artist]]></category>
		<category><![CDATA[authentic work]]></category>
		<category><![CDATA[false dilemma]]></category>
		<category><![CDATA[Money personality]]></category>
		<category><![CDATA[outsider]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=242</guid>
		<description><![CDATA[Always on the fringes, operating outside the ruling capitalist system, stands the Outsider. The Outsider has a negative perception of the type of work and working conditions that society rewards and therefore wants no part of it. At the extreme, she doesn’t really care whether anyone appreciates her talents and will reward them, because it’s her life and she spends every day as she pleases. No wonder money is not exactly flying into the Outsider’s bank account.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/debilitating-money-personality-4-the-outsider/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debilitating money personality 3: The Warrior</title>
		<link>http://morethanmoney.co.za/debilitating-money-personality-3-the-warrior/</link>
		<comments>http://morethanmoney.co.za/debilitating-money-personality-3-the-warrior/#comments</comments>
		<pubDate>Fri, 03 Jul 2009 13:23:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal development]]></category>
		<category><![CDATA[collaboration]]></category>
		<category><![CDATA[competition]]></category>
		<category><![CDATA[Money personality]]></category>
		<category><![CDATA[warrior]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=236</guid>
		<description><![CDATA[While there is a time and a place for fighting your battles, Warrior behaviour becomes debilitating when one start to see every interaction as potentially hostile or as a competition. How could this affect the pocket? ]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/debilitating-money-personality-3-the-warrior/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debilitating money personality 2: The Victim</title>
		<link>http://morethanmoney.co.za/debilitating-money-personality-2-the-victim/</link>
		<comments>http://morethanmoney.co.za/debilitating-money-personality-2-the-victim/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 12:35:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal development]]></category>
		<category><![CDATA[Getting off the hook]]></category>
		<category><![CDATA[Jurriaan Plesman]]></category>
		<category><![CDATA[Money personality]]></category>
		<category><![CDATA[Victim]]></category>

		<guid isPermaLink="false">http://morethanmoney.co.za/?p=228</guid>
		<description><![CDATA[Because she perceives herself as helpless, the Victim often suffers from financial paralysis. It is as if she just can’t bring herself to take the necessary action. Instead, she waits for good fortune and a Rescuer to improve her financial circumstances.]]></description>
		<wfw:commentRss>http://morethanmoney.co.za/debilitating-money-personality-2-the-victim/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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