Insurance for a Small Service Business
The four covers most small South African service businesses actually need, and the one clause that decides whether a claim pays.
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Quoting, invoicing, VAT and getting paid, for people running the business rather than the accountants advising them. Anything we publish about SARS or the VAT Act is checked against the source and carries the date it was verified.
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Pricing After-Hours and Emergency Work
Emergency work is a different commercial arrangement. How to price and communicate it so the invoice matches the phone call.
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VAT on Discounts and Settlement Terms
A discount reduces the value of the supply, so it reduces the VAT. Conditional settlement discounts work differently.
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Bad Debt Relief on VAT
If you declared VAT on an invoice that was never paid, relief may be available. The conditions, and the time limit that catches people.
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Hiring Your First Employee
What changes the day you put someone on payroll: registrations, contracts, deductions and the costs beyond the salary.
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What to Write When You Email an Invoice
The covering email decides whether your invoice gets processed or parked. Subject line, body and what to attach.
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When to Write Off a Bad Debt
Chasing a debt costs time that has its own value. How to decide when to stop, and what writing it off actually involves.
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Debtor Days: How Fast You Get Paid
One number tells you how long your money sits with clients. How to calculate it, what it should be, and how to bring it down.
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Why Invoices Sit Unpaid
Late payment is usually a process failure, not a refusal. The seven reasons an invoice stalls, and which are yours to fix.
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