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OFFICE HOURS
In line with modern practice, we have closed our Midrand office and gone virtual
7 days a week 08h00 to 17h00
There is never a charge for meetings with Derek. Saturdays, Sundays and Public Holidays included. Click here for his calendar.
PHONE NUMBER
Office hours: 063 866 8928
If nobody is available to answer your call, please send a Whatsapp to Helen on 083 385 0791
EMAILS
Mini: mini@harbourassociates.co.za
Tumi: tumi@harbourassociates.co.za
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Read Derek's Books -
All available on the
16Steps.co.za Website
16 Steps to Business
16 Steps to Marketing
A successful business needs tip top cash management and tip top marketing. Marketing is creating an environment where sales just happen.
In 16 Steps to Marketing Derek shares his marketing secrets in a simple, practical way that will guide you to success. Marketing is creating an environment in which sales will happen.
16 Steps to Tax Wisdom
The Income Tax Act is, without doubt, the most difficult of all Acts to understand and navigate, so it’s not surprising that there are so many misconceptions about what it says. 16 Steps to Tax Wisdom lifts out of the Act (and other tax acts), the essence of what you need to know as an individual and as an entrepreneur.
16 Steps to Wealth
From the day that you first earn income you need to start your long term financial planning. 16 Steps to Wealth will walk you through each step of your financial life, building your retirement investments, protecting your money from creditors, avoiding the taxes that come with death, and leaving a legacy for future generations.
16 Steps to Freedom
16 Steps to Freedom is about your ultimate destination in life. You’ve built your Business through successful Marketing and a good understanding of Tax. You are on the road to Wealth. What comes next? Freedom!
India 2024 - A Photographic Book
Latest Blogs from our CEO, Derek Springett
Do I need more than one trust?
I pity those of you who bought three trusts from a firm of “specialists”, rather than just the one that you needed. You now have three Beneficial Ownership returns to submit to the Master instead of one. You also have to be sure that you opened a bank account for
What happens to a usufruct on the death of the usufructory?
I’ve never been keen on the idea of transfering only the bare dominium of a property to a trust structure. Sure, you may save a bucketload of Transfer Duty and CGT but, if you do the numbers, taking into account the time value of money, the total tax paid up
How do I register my trust for tax?
Eish! SARS make life so difficult. They have a lovely website on www.sars.gov.org Go there, log in, select Trust Registration. Then get down to business. They want to know: First name Surname Place of birth Country of Residence ID No. Tax no. Cell No. Email Address Physical Address for every
Should I register a company?
My simple answer is NO!! Why? Because if you need to ask that question, you are not ready for the obligations that come with companies. Here are some of them with approximate costs. Cost of company R600 Beneficial Ownership Return within 10 days of registration R2 000 Bookkeeping from R7
What are the tax obligations of a dormant company?
We are inundated with calls from people who have received threatening emails from SARS’s attorneys trying to bully their dormant companies into paying the Administrative Penalties of R200 per month per return outstanding that SARS has been hitting them with. These penalties easily run into 10s of thousands of Rands.
Should I buy or lease my business car?
I often I get asked whether to “buy” a car on a Lease or buy on Instalment Sale and then whether the firm should own the vehicle or the Director. The answer to the first does depend on the answer to the second, so let’s tackle the second one first.
Will I pay VAT or Transfer Duty?
Property transactions will either attract VAT or Transfer Duty but never both. Which you will pay depends on a few factors. Is the seller VAT registered? If Yes, then look at the top 4 possibities If No, look at the bottom 3. Is the property a residential dwelling or a
Should I buy property in my name, a company or a trust?
Here’s a quick guide – If you really want to get your head around it, why not book your first of many free Zoom meetings with Derek, our CEO?
Trouble at Standard Bank
How do you feel about the new User Interface that Standard Bank are trying to shove down our throats? There’s an option to revert to the old UI, but next time you log in you’re stuck into the new one. I feel I’m getting shunted around and having to either
