Mail & Guardian
Mail & Guardian
Thalia Holmes

Creator

Thalia Holmes

Thalia is a freelance business reporter for the Mail & Guardian. She grew up in Swaziland and lived in the US before returning to South Africa.She got a cum laude degree in marketing and followed it with another in English literature and psychology before further confusing things by becoming a black economic empowerment (B-BBEE) consultant.After spending five years hearing the surprised exclamation, "But you're white!", she decided to pursue her latent passion for journalism, and joined the M&G in 2012. The next year, she won the Brandhouse Journalist of the Year Award, the Brandhouse Best Online Award and was chosen as one of five finalists from Africa for the German Media Development Award. In 2014, she and a colleague won the Standard Bank Sivukile Multimedia Award. She now writes and edits for various publications, but her heart still belongs to the M&G.     

Pat Govender is the Founder and Managing Director of The Behaviour Change Agency, South Africa

Behaviour Change in the age of Covid-19

‘If we build better systems and ask the right questions and frame things in the right way, it may help us reduce incidences of corruption’

Eusebius McKaiser said we need to change our culture of seeing crime as acceptable
Video

Fraud and corruption in the Covid-19 era

‘We need to make it fundamentally uncool to even be accused of a crime – right now in South Africa being accused of a crime doesn’t end your career’

Basic Education Minister Angie Motshekga. (Photo: Delwyn Verasamy/M&G)
Video

Saving the class of 2020

The 10-week Educate programme was created to help matric students who have been disrupted by the pandemic get back on track for their final exams

Rise Uniforms pivoted as the Covid-19 crisis hit and began making PPE

The rise and rise of Rise Uniforms

‘If you can’t take a risk then you’re not an entrepreneur, and you might as well get out of the space’ says Ntombekhaya Nonnxuba

Small businesses can apply for a loan from the DSBD

How to get R7 000 government funding for your spaza shop or traditional grocery store

The Spaza Shop Support scheme allows for your business to access a R3 500 working capital injection and an additional R3 500 in revolving credit

When Tammy Lishman’s gymnastics school closed due to lockdown, she put her classes online

Two small business manage to stay afloat

When lockdown closes the doors of your business you have to learn to think on your feet to keep the wolf from the door

Communication is your biggest asset during this time of business hardship

Rethinking partnerships: a key way to keep your business going through the pandemic

Stay in conversation with your suppliers, be agile and try to honour your debts wherever possible to keep your small business viable

We are a social species, and our brains need interaction. And while it is hard for everyone, it is also much harder for some of us than others. (Marga/Pexels)

Debt Relief Fund a mere drop in the ocean

Most South African SMMEs have received no assistance from the Debt Relief Fund, 90% are in crisis, and many will be forced to close

If you keep your staff informed, they will be more sympathetic about the decisions you make as an employer

Cutting salaries? Five ways to make the process less painful

Debt will only put a future strain on cash flow and could result in tremendous financial stress on the owners of the business if they’re not able to recover

How to compare investment fees (Photo Archive)

How to compare investment fees

It’s a matter of deciphering the acronyms, but the crouton in the financial alphabet soup is the EAC

South Africa joins countries such as Norway, Mexico and the United Kingdom in taking a policy and tax-driven approach to the sugar issue. (Graphic: John McCann/M&G)

Sweets for my sweet, sugar for my levy

Treasury is coining it as South Africans continue to shell out for their favourite sugary drinks

Jeanny Mbalati and her daughter Dinah outside their home in Soweto. It took them more than a year to get a loved one into a psychiatric hospital following his removal from Life Esidimeni facilities. (Oupa Nkosi)

72 hours to care: The precarious road to psychiatric help

For many people with severe mental illnesses, these special wards can be a lifeline and the first step to care — if they can get there.

Finance Minister Tito Mboweni. (Sumaya Hisham/Reuters)

The finance minister details a plan to ‘rebuild the ancient ruins’

​It’s not often that Bible verses and Dickens are quoted in the same speech, especially when the speech is to outline the medium-term budget

People in Giyani, Limpopo, must find water where they can. Under former minister Nomvula Mokonyane, a water project to supply 55 villages was stopped because of corruption. (Delwyn Verasamy/M&G)

Mboweni targets water crisis

The finance minister has vowed to tackle rampant corruption and municipal dysfunction

High fees erode your investments (Photo Archive)

High fees erode your investments

New middlemen mean today’s investors are paying more fees than previous generations

Bottom line: Stockbrokers in South Africa, unlike their counterparts in the United States, are not undercutting each others fees in a bid to attract more customers. (Carlo Allegri/Reuters)

SA watches as brokers fight it out

Global trends towards lower fees are filtering into the local market, meaning that it’s never been this cheap to buy into the JSE

Poor man’s hero: Musician-turned-politician Robert Kyagulanyi is arrested by police during a demonstration in July in Kampala against a new tax on social media use. (Isaac Kasamani/AFP)

Online tax hurts the poor

Shutting down mobile and internet services is costing several African countries millions of dollars

Worldwide, the study estimates that a total of $2.4-billion was lost because of internet clampdowns. (Getty)

Clampdowns in Africa carry a big cost

The tactics of the Tanzanian government are still a far cry from the old-school, die-hard tactics in some other countries

(John McCann/M&G)

How not to outlive your cash

Obeying the 4% rule is not always enough to ensure your savings last through retirement

Most active fund managers underperform and the fees charged for passive funds are lower.

Fees can reduce retirement savings

Small differences in fund management fees can be an investment killer in the long term