Blog

<h2>Cash flow budgeting with Profit first model</h2><p>Managing cash flow is a critical aspect of running a successful business. Without proper budgeting and control, businesses can quickly find themselves in financial trouble. One effective method for cash flow budgeting is the Profit First model.</p><h3>What is the Profit First model?</h3><p>The Profit First model is a cash management system developed by Mike Michalowicz. It focuses on allocating a portion of revenue to profit first, rather than considering profit as an afterthought. By prioritizing profit, businesses can ensure they are consistently generating a healthy bottom line.</p><figure id="figure-4ythn4g5nljh5vhgj"><img id="4ythn4g5nljh5vhgj" src="https://images.unsplash.com/photo-1616077167555-51f6bc516dfa?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyMXx8Y2FzaCUyMGZsb3d8ZW58MHx8fHwxNjg4MDQ0MTAyfDA&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" alt="cash flow" class="object-cover bg-gray-100" style="aspect-ratio: 16/9;" data-mce-src="https://images.unsplash.com/photo-1616077167555-51f6bc516dfa?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyMXx8Y2FzaCUyMGZsb3d8ZW58MHx8fHwxNjg4MDQ0MTAyfDA&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" data-mce-style="aspect-ratio: 16/9;"></figure><p> </p><h3>How does it work?</h3><p>The Profit First model works by dividing revenue into different bank accounts based on percentages. These accounts include Profit, Owner's Compensation, Taxes, and Operating Expenses. The idea is to allocate a certain percentage of revenue to each account, ensuring that profit is always prioritized.</p><p>For example, a business may allocate 5% of revenue to the Profit account, 50% to the Owner's Compensation account, 15% to the Taxes account, and the remaining 30% to the Operating Expenses account. By following this allocation, businesses can ensure they are setting aside profit and covering other financial obligations.</p><figure id="figure-7ipwhcfjhljh5vlds"><img id="7ipwhcfjhljh5vlds" src="https://images.unsplash.com/photo-1622662124723-5c60aafebd4f?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHw3fHxidWRnZXRpbmd8ZW58MHx8fHwxNjg4MDQ0MTA3fDA&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" alt="budgeting" class="object-cover bg-gray-100" style="aspect-ratio: 16/9;" data-mce-src="https://images.unsplash.com/photo-1622662124723-5c60aafebd4f?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHw3fHxidWRnZXRpbmd8ZW58MHx8fHwxNjg4MDQ0MTA3fDA&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" data-mce-style="aspect-ratio: 16/9;"></figure><p> </p><h3>The benefits of using the Profit First model</h3><p>There are several benefits to using the Profit First model for cash flow budgeting:</p><ol><li><strong>Improved cash flow management:</strong> By allocating revenue to different accounts, businesses gain better control over their cash flow. This helps prevent overspending and ensures that profit is consistently generated.</li><li><strong>Clear financial visibility:</strong> The Profit First model provides a clear picture of the business's financial health. By regularly reviewing the balances in each account, business owners can make informed decisions and take necessary actions to improve profitability.</li><li><strong>Reduced financial stress:</strong> With a focus on profit, businesses can alleviate financial stress and create a more sustainable and profitable operation.</li></ol><h3>Implementing the Profit First model</h3><p>Implementing the Profit First model requires careful planning and discipline. Here are a few steps to get started:</p><ol><li>Assess your current financial situation and determine the appropriate percentages to allocate to each account.</li><li>Set up separate bank accounts for each category, including Profit, Owner's Compensation, Taxes, and Operating Expenses.</li><li>Regularly transfer the allocated percentages from your revenue to each account.</li><li>Monitor the balances in each account and make adjustments as needed.</li></ol><figure id="figure-aa69pasa8oljh5vtu5"><img id="aa69pasa8oljh5vtu5" src="https://images.unsplash.com/photo-1450101499163-c8848c66ca85?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwzfHxidWRnZXQlMjBwbGFubmluZ3xlbnwwfHx8fDE2ODgwNDQxMTh8MA&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" alt="budget planning" class="object-cover bg-gray-100" style="aspect-ratio: 16/9;" data-mce-src="https://images.unsplash.com/photo-1450101499163-c8848c66ca85?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwzfHxidWRnZXQlMjBwbGFubmluZ3xlbnwwfHx8fDE2ODgwNDQxMTh8MA&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" data-mce-style="aspect-ratio: 16/9;"></figure><p> </p><h3>Conclusion</h3><p>The Profit First model offers a practical approach to cash flow budgeting, ensuring that profit is prioritized and businesses maintain a healthy financial position. By implementing this model, businesses can improve cash flow management, gain financial visibility, and reduce financial stress. Take control of your cash flow today and start prioritizing profit with the Profit First model.</p>

Cash flow budgeting with Profit first model

<p>Hey, business mavens! Today, I'm spilling the beans on three powerful cash flow solutions that can turbocharge your business growth. Get ready to level up with these strategies!&nbsp;</p><p>&nbsp;Managing Accounts Receivables: Don't let unpaid invoices hold you back! Take control of your cash flow by implementing effective accounts receivable management. Streamline your invoicing process, offer incentives for prompt payment, and follow up on outstanding payments. With a healthy cash inflow, your business will thrive and grow exponentially.&nbsp;</p><p>&nbsp;Preselling: Want to fund your next project before it even launches? Embrace the power of preselling! Offer exclusive deals, early-bird discounts, or limited editions to generate revenue in advance. By securing pre-orders and upfront payments, you'll have the cash flow necessary to bring your ideas to life and propel your business forward.&nbsp;</p><p>&nbsp;Financing Options: Sometimes, you need a financial boost to reach new heights. Explore various financing options tailored to your business needs. Whether it's securing a business loan, crowdfunding, or partnering with investors, the right financing solution can provide the necessary capital to fuel expansion, invest in innovation, and seize lucrative opportunities.</p><p>Ready to Unlock Your Business's Potential? Master these cash flow solutions to fuel your growth and surpass your business goals. Optimize accounts receivables, leverage the power of preselling, and explore financing options. Embrace the strategies that align with your vision and watch your business soar to new heights of success!</p>

Cash Flow Solutions: Propel Your Business Growth with These Game-Changing Strategies!

<p>If you're a small business owner or freelancer, you know that cash flow is king. However, it can be challenging to manage your finances when you have multiple streams of income and expenses. One way to simplify the process is by separating your bank accounts. This technique can help you avoid getting paid last and ensure that you always have enough money to cover your expenses.</p>

<h2>Why Separate Bank Accounts?</h2>

<p>When you have a single bank account for your business, it can be challenging to keep track of your expenses and income. You may end up spending money that you don't have, or you might forget to pay an important bill. By separating your bank accounts, you can avoid these issues and ensure that you always have enough money in your account.</p>

<h3>How to Separate Your Bank Accounts</h3>

<p>The first step in separating your bank accounts is to open a new account. You can do this at your current bank or shop around for a bank that offers better rates and services. Once you have your new account, you'll need to decide how you want to use it.</p>

<figure id="figure-0cw3ciwgg9ljh5ipet"><img id="0cw3ciwgg9ljh5ipet" src="https://images.unsplash.com/photo-1533421644343-45b606745fb1?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxOHx8YmFuayUyMGFjY291bnRzfGVufDB8fHx8MTY4ODA0MzE3OXww&ixlib=rb-4.0.3&q=80&w=1080" alt="bank accounts" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<p>One option is to use your new account for all of your business income. This way, you can easily track how much money you're making each month. You can then transfer a set amount of money to your personal account each month for your salary. This technique can help you avoid getting paid last and ensure that you always have enough money to cover your expenses.</p>

<h3>Managing Your Expenses</h3>

<p>Another benefit of separating your bank accounts is that it can help you manage your expenses. You can use your business account for all of your business expenses, such as rent, utilities, and supplies. This way, you can easily track how much money you're spending each month. You can then transfer a set amount of money to your personal account each month for your personal expenses.</p>

<figure id="figure-f4gjhjtrt7ljh5ittk"><img id="f4gjhjtrt7ljh5ittk" src="https://images.unsplash.com/photo-1519389950473-47ba0277781c?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyMXx8YnVzaW5lc3MlMjBleHBlbnNlc3xlbnwwfHx8fDE2ODgwNDM1MTF8MA&ixlib=rb-4.0.3&q=80&w=1080" alt="business expenses" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Creating a Cash Flow Budget</h3>

<p>Separating your bank accounts can also help you create a cash flow budget. A cash flow budget is a plan that outlines how much money you expect to receive and spend each month. By separating your bank accounts, you can easily track your income and expenses and adjust your budget accordingly.</p>

<p>Creating a cash flow budget can help you avoid getting paid last and ensure that you always have enough money to cover your expenses. It can also help you plan for future expenses, such as taxes and business investments.</p>

<h3>Final Thoughts</h3>

<p>Separating your bank accounts is a simple but effective way to manage your finances as a small business owner or freelancer. It can help you avoid getting paid last and ensure that you always have enough money to cover your expenses. By creating a cash flow budget, you can also plan for future expenses and ensure the long-term success of your business.</p>

<figure id="figure-0bxzkugt2ljh5ixui"><img id="0bxzkugt2ljh5ixui" src="https://images.unsplash.com/photo-1604028351766-97fd3941bb99?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyMHx8Y2FzaCUyMGZsb3clMjBidWRnZXRpbmd8ZW58MHx8fHwxNjg4MDQzNTE2fDA&ixlib=rb-4.0.3&q=80&w=1080" alt="cash flow budgeting" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<p>So, if you haven't already, consider separating your bank accounts today and take control of your finances!</p>

Never again get paid last! Cashflow budgeting by separating bank accounts!

<p>Are you thinking of moving from South Africa to Slovenia? It may seem like a daunting task, but with the right planning and preparation, your move can be a smooth and stress-free experience. Here are the 5 best ways to move from South Africa to Slovenia:</p>

<h2>1. Research the Country</h2>
<p>Before you move, it's important to research the country you're moving to. Slovenia is a beautiful country with a rich culture and history. It's located in central Europe and has a population of just over 2 million people. Take the time to learn about the customs, language, and lifestyle of Slovenia. This will help you adjust to your new home more easily.</p>

<h2>2. Find a Reliable Moving Company</h2>
<p>One of the most important steps in moving is finding a reliable moving company. Look for a company that has experience with international moves and can handle all aspects of your move, from packing to shipping. Make sure to get quotes from several companies to compare prices and services.</p>

<h2>3. Obtain the Necessary Documents</h2>
<p>When moving to Slovenia, you'll need to obtain several important documents, including a visa, work permit (if applicable), and a residence permit. Make sure to research the requirements for each document and start the application process early to avoid delays.</p>

<h2>4. Pack Wisely</h2>
<p>When packing for your move, it's important to pack wisely. Take inventory of your belongings and decide what to keep, sell, or donate. Pack your items securely and label your boxes clearly. Keep in mind that Slovenia has a different climate than South Africa, so you may need to pack accordingly.</p>

<figure id="figure-dpopz6phabljaqfego"><img id="dpopz6phabljaqfego" src="https://images.unsplash.com/photo-1502301197179-65228ab57f78?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxfHxwYWNraW5nfGVufDB8fHx8MTY4NzY0NTQ3NHww&ixlib=rb-4.0.3&q=80&w=1080" alt="packing" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h2>5. Plan Your Finances</h2>
<p>Moving to a new country can be expensive, so it's important to plan your finances carefully. Research the cost of living in Slovenia and create a budget for your move. Make sure to factor in expenses such as shipping, travel, and housing. Consider opening a bank account in Slovenia before you move to make the transition easier.</p>

<h2>6. Learn the Language</h2>
<p>While many people in Slovenia speak English, it's still a good idea to learn the language. This will help you communicate with locals and adjust to your new home more easily. Consider taking language classes or using language learning apps to improve your skills.</p>

<figure id="figure-qv3t9y62aoljaqfi34"><img id="qv3t9y62aoljaqfi34" src="https://images.unsplash.com/photo-1543332164-6e82f355badc?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHw5fHxsYW5ndWFnZXxlbnwwfHx8fDE2ODc1OTAwMzN8MA&ixlib=rb-4.0.3&q=80&w=1080" alt="language" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h2>7. Find Housing</h2>
<p>Before you move, it's important to find housing in Slovenia. Research the different neighborhoods and types of housing available. Consider working with a real estate agent who can help you find the perfect home for your needs.</p>

<h2>8. Get Involved in the Community</h2>
<p>Once you've settled into your new home, it's important to get involved in the community. Join local clubs or organizations to meet new people and learn more about Slovenian culture. This will help you feel more connected to your new home and make the transition easier.</p>

<figure id="figure-91qlnj9inmljaqfle6"><img id="91qlnj9inmljaqfle6" src="https://images.unsplash.com/photo-1527525443983-6e60c75fff46?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwzfHxjb21tdW5pdHl8ZW58MHx8fHwxNjg3NTcyMDc2fDA&ixlib=rb-4.0.3&q=80&w=1080" alt="community" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<p>Moving from South Africa to Slovenia can be an exciting adventure. By following these 5 best ways to move, you can ensure that your move is a success. Good luck!</p>

5 best ways to move from South Africa to Slovenia

<p>When it comes to taxes, many people are always looking for ways to reduce their tax bill. One way to do this is by taking advantage of tax loopholes. Tax loopholes are legal ways to reduce your tax liability by exploiting the tax code.</p>

<h2>What are tax loopholes?</h2>

<p>Tax loopholes are provisions in the tax code that allow taxpayers to legally reduce their tax liability. These provisions are often the result of tax laws that are poorly written or have unintended consequences. Taxpayers can take advantage of these loopholes by using legal strategies to reduce their taxable income or increase their deductions.</p>

<h3>How do tax loopholes work?</h3>

<p>Tax loopholes work by allowing taxpayers to use legal strategies to reduce their tax liability. For example, one common tax loophole is the use of deductions. Deductions are expenses that can be subtracted from your taxable income, reducing the amount of tax you owe. Taxpayers can take advantage of deductions by keeping track of their expenses and claiming them on their tax return.</p>

<p><figure id="figure-ngi13lw2mljaqcpbi"><img id="ngi13lw2mljaqcpbi" src="https://images.unsplash.com/photo-1554252116-cb46b6d2df78?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHw0fHx0YXglMjBkZWR1Y3Rpb25zfGVufDB8fHx8MTY4NzY1NTIzNHww&ixlib=rb-4.0.3&q=80&w=1080" alt="tax deductions" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure></p>

<h3>Types of tax loopholes</h3>

<p>There are many types of tax loopholes that taxpayers can take advantage of. Some of the most common types of tax loopholes include:</p>

<ul>
  <li>Deductions</li>
  <li>Credits</li>
  <li>Tax-exempt investments</li>
  <li>Offshore tax havens</li>
  <li>Charitable donations</li>
</ul>

<p><figure id="figure-ow4nccpk4eljaqcsb5"><img id="ow4nccpk4eljaqcsb5" src="https://images.unsplash.com/photo-1641931189358-07fcdf4b6280?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxNHx8dGF4JTIwY3JlZGl0fGVufDB8fHx8MTY4NzY1NTIzOHww&ixlib=rb-4.0.3&q=80&w=1080" alt="tax credit" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure></p>

<h3>Are tax loopholes legal?</h3>

<p>Yes, tax loopholes are legal. They are provisions in the tax code that allow taxpayers to reduce their tax liability. However, it is important to note that some tax strategies may be considered aggressive or abusive by the IRS. Taxpayers who use these strategies may be subject to penalties or fines.</p>

<h3>Should you use tax loopholes?</h3>

<p>Whether or not you should use tax loopholes depends on your individual situation. While tax loopholes can be a legal way to reduce your tax bill, it is important to consult with a tax professional before using any tax strategy. A tax professional can help you determine which strategies are legal and which ones may be considered aggressive or abusive by the IRS.</p>

<p><image:tax professional/></p>

<h3>The bottom line</h3>

<p>Tax loopholes can be a legal way to reduce your tax liability. However, it is important to use them responsibly and consult with a tax professional before using any tax strategy. By taking advantage of tax loopholes, you can reduce your tax bill and keep more of your hard-earned money.</p> 

<p><figure id="figure-xq6xifqq7qljaqcxlm"><img id="xq6xifqq7qljaqcxlm" src="https://images.unsplash.com/photo-1494888427482-242d32babc0b?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwzfHx0YXglMjBiaWxsfGVufDB8fHx8MTY4NzY1NTI0NXww&ixlib=rb-4.0.3&q=80&w=1080" alt="tax bill" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure></p>

What are tax loopholes?

<h2>Introduction</h2>
<p>Financing a business can be challenging, and sometimes you may need to consider taking on debt to help your business grow. While debt can be risky, it can also be a valuable tool when used wisely. In this post, we will discuss the best cases to use debt to finance your business.</p>

<h3>1. Expansion</h3>
<p>If you are looking to expand your business, taking on debt may be a good option. Whether you are opening a new location, hiring new employees, or investing in new equipment, debt can help you achieve your goals faster. However, it is important to make sure that the additional revenue generated by the expansion will be enough to cover the cost of the debt.</p>
<figure id="figure-ph23p80lkjljaqbi34"><img id="ph23p80lkjljaqbi34" src="https://images.unsplash.com/photo-1499750310107-5fef28a66643?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxNnx8YnVzaW5lc3MlMjBleHBhbnNpb258ZW58MHx8fHwxNjg3NjU1MTc4fDA&ixlib=rb-4.0.3&q=80&w=1080" alt="business expansion" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>2. Inventory</h3>
<p>Inventory is a necessary part of many businesses, but it can also be a significant expense. If you need to purchase inventory but do not have the cash on hand, taking on debt may be a good option. However, it is important to make sure that the inventory will sell quickly enough to pay off the debt.</p>
<figure id="figure-xz75itjekbljaqbj07"><img id="xz75itjekbljaqbj07" src="https://images.unsplash.com/photo-1622533087594-627c3aa0d68a?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxM3x8aW52ZW50b3J5JTIwbWFuYWdlbWVudHxlbnwwfHx8fDE2ODc2NTUxMDF8MA&ixlib=rb-4.0.3&q=80&w=1080" alt="inventory management" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>3. Emergencies</h3>
<p>Emergencies can happen to any business, and having a line of credit or other debt available can help you weather the storm. Whether it is a natural disaster, a sudden drop in sales, or unexpected expenses, having access to funds can help you keep your business running.</p>
<figure id="figure-gtdilpmqdjljaqbl63"><img id="gtdilpmqdjljaqbl63" src="https://images.unsplash.com/photo-1504711434969-e33886168f5c?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyNHx8YnVzaW5lc3MlMjBlbWVyZ2VuY3l8ZW58MHx8fHwxNjg3NjU1MTgyfDA&ixlib=rb-4.0.3&q=80&w=1080" alt="business emergency" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>4. Investments</h3>
<p>Investing in your business can be a great way to grow and improve, but it can also be expensive. If you have identified an opportunity to invest in your business but do not have the cash on hand, taking on debt may be a good option. However, it is important to make sure that the investment will generate enough revenue to cover the cost of the debt.</p>
<figure id="figure-zt5r0dernoljaqbms7"><img id="zt5r0dernoljaqbms7" src="https://images.unsplash.com/photo-1450101499163-c8848c66ca85?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxfHxidXNpbmVzcyUyMGludmVzdG1lbnR8ZW58MHx8fHwxNjg3NjU1MTg0fDA&ixlib=rb-4.0.3&q=80&w=1080" alt="business investment" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>5. Building Credit</h3>
<p>If you are a new business or have a limited credit history, taking on debt and making timely payments can help you build your credit score. This can make it easier to obtain financing in the future and can also help you secure better interest rates.</p>
<figure id="figure-ym7iguumzljaqbnp3"><img id="ym7iguumzljaqbnp3" src="https://images.unsplash.com/photo-1607697987724-fc9f8b225223?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyNHx8Y3JlZGl0JTIwc2NvcmV8ZW58MHx8fHwxNjg3NjU0MDkzfDA&ixlib=rb-4.0.3&q=80&w=1080" alt="credit score" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Conclusion</h3>
<p>While taking on debt can be risky, it can also be a valuable tool when used wisely. By understanding the best cases to use debt to finance your business, you can make informed decisions that will help your business grow and thrive.</p>

Blog

Cash flow budgeting with Profit first model

Cash Flow Solutions: Propel Your Business Growth with The...

Never again get paid last! Cashflow budgeting by separati...

5 best ways to move from South Africa to Slovenia

What are tax loopholes?

Best cases to use debt to finance your business!