Welcome to The Financial Emporium
The Financial Emporium is an accredited financial services team who, as industry pioneers, employ advanced analytical capabilities, superior product knowledge and proactive service to identify and implement a comprehensive range of wealth creation and wealth protection solutions for high net worth individuals and business owners. In addition we install and maintain group benefit schemes in the corporate sector.
A high level of professionalism and efficiency is the cornerstone of our practice and accordingly all our clients benefit from these high standards.
Our ultimate objective is to add value to the lives of our clients and their families by establishing personal relationships. Their financial well being is of extreme importance to us and we dedicate ourselves to be there to assist them in every financial decision they have to make.
The Financial Emporium partners with professionals in financial related industries, which include property investments, accounting and legal fields to deliver the most comprehensive solutions and advice to our clients, covering every aspect of their financial portfolio.
Selling a home can be a challenging experience: preparing for show days, dealing with estate agents, considering offers to purchase, trying to make sense of legal contracts. And after the home is sold there remains one possible further task: working out whether the taxman will take a slice of the profit.…
Many homeowners believe that the sale of a personal residence simply doesn’t attract Capital Gains Tax (“CGT”). While this is often the case, it is not necessarily so. This article looks at how and when CGT applies to the sale of a personal residence.
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Post Date: 2012-04-11 11:26:02
Because of changes in tax legislation retirement annuity funds have become one of the best investment options. The exemptions on interest earnings, capital gains tax and retirement fund contributions, and the new dividends withholding tax changes have given retirement savings a significant edge over other savings vehicles. Any money you invest in tax-incentivised savings or discretionary savings (especially those assets that pay interest or dividends), where you use money on which you have already paid tax needs to be reconsidered.
Tax Incentivised Savings:
Retirement saving
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Post Date: 2012-04-11 11:23:09
In the USA, the UK and Australia, amongst others, bond origination has been around for many years with bond originators responsible for sourcing the majority of the approved home loan products in their respective countries every year.
South Africa was a little slower on the uptake. Bond origination came to our shores roughly nine years ago for the first time, when the 1999 to 2005 property boom was still in its baby shoes. The concept took a while to find consumer buy-in, but once it did, the growth was enormous. To give you an idea: In 2007 around 60% of all new home loans were s
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Post Date: 2012-04-11 10:07:07
A bond origination company is one that assists you to secure the finance necessary to purchase a property. They take the legwork out of applying for a home loan at the various banks, by simultaneously submitting a paperless application to each lender (ABSA, NEDBANK, STANDARD BANK, FNB)
In the past, if you wanted to secure a home loan you would have to visit each of the major banks and complete multiple application forms. This process could easily take over a month to complete, costing you many Saturdays spent standing in banking queues.
Bond Originators were established to s
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Post Date: 2012-04-11 10:03:38
Feb 22 2012 22:25
Cape Town - Political parties and others have broadly welcomed Finance Minister Pravin Gordhan's proposed 2012/13 Budget tabled in the National Assembly on Wednesday.
It exceeds R1 trillion - R1.06 trillion - for the first time ever, with the bulk of spending, R615.7bn, earmarked for social services. Revenue is expected to be about R904.8bn.
DA
Democratic Allian
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Post Date: 2012-03-07 08:54:41