This site is best viewed with a newer browser. Please download your favorite for a better browsing experience: Google Chrome, Firefox or Internet Explorer.
  • logo
    • MY 10 CENTS
      COMPETITION

      Share your opinion and you could win a R10 000 investment.

    • INCOME TAX
      CALCULATOR

      Find out how the new budget impacts your income.

    • BUDGET
      OVERVIEW

      Highlights from the 2014/15 South African budget.

Old Mutual Thought Leaders

Finance Minister, Pravin Gordhan, announced the new National Budget on 26 February 2014. Old Mutual experts offer in-depth coverage and analysis of how the changes will impact you.

  • KEY POINTERS FROM THE BUDGET SPEECH

    Read the sixpack of pointers from the Budget Speech by Soré Cloete, legal manager at Old Mutual.

  • FINANCE MINISTER ANNOUNCES BUDGET SPEECH COMPETITION WINNERS

    Lucky Pane from the University of Johannesburg and Joshua Budlender from the University of Cape Town were announced by Minister of Finance, Pravin Gordhan as winners of the 43rd Nedbank and Old Mutual Budget Competition.

  • ANNUITIES ARE THE TAX-FRIENDLY WAY TO SAVE.

    Much has been said about the volatility of the markets in recent weeks. While in the short term it is often a cause for concern, the retirement planning horizon is mostly long-term. There is a strong case for investing in a retirement annuity.

  • FISCAL DISPLINE EXPECTED TO DOMINATE THE BUDGET.

    "With the weak economy, we are facing increasing inflation pressures and Treasury needs to revise their growth and inflation forecasts," says le Roux in his Budget preview report. “Expenditure, on the other hand, has been under better control recently and no significant slippage is expected to be announced in the Budget.

  • HOW THE BUDGET AFFECTS YOUR PORTFOLIO.

    Dave Mohr, Chief Investment Strategist for Old Mutual Wealth looks at four specific areas for South African investors, namely, how much the government expects in tax revenue, how much it plans to spend, how it will divide its spending between competing priority areas and how much it will need to borrow should there be a deficit.

  • WHAT'S IN STORE FOR THE 2014 BUDGET?

    South Africa’s current fiscal year of 2013/2014 is facing a fiscal deficit. With economic growth forecasts likely to be revised to a lower level and tax revenue growth expected to slow down, government needs to control its spending. But will this be enough to reduce the deficit at the necessary increased pace?

My10cents Competition

Everyone’s got an opinion on the National Budget and Old Mutual wants to hear yours. Share your 10cents on the budget and go into the draw to win a R10 000 unit trust investment.

             

Sorry, I'm busy at the moment http://www.thepennyloafers.com/portfolio/amanda-triglia/ buy sildenafil citrate online Scheffler has a great deal of room for improvement, but he has made significant strides in the past year. In July at the U.S. Junior Amateur at the Martis Camp Club in Truckee, Calif., he won the last four holes of the 36-hole final to beat Davis Riley 3 and 2 after being 2 down with nine holes to play.

Today

by: Leah GdxVKVRZbUJyY

What do you do for a living? http://www.freedomfinancialllc.com/notice-to-existing-payors-in-default/ generic finasteride costco According to the report, C. difficile causes 250,000 infections and kills 14,000 people in the United States each year, adding $1 billion annually in excess medical costs. Deaths from C. difficile rose 400 percent from 2000 to 2007 due to the emergence of a drug-resistant strain of the bacteria.

Today

by: Brian AnhNTZOzZgWe

I live here http://www.thepennyloafers.com/portfolio/amanda-triglia/ eriacta tablets â??I guess it clipped the tree, and Iâ??ve been taking it over that tree all week. No big deal with a little draw,â? he explained. â??So I had 195 to the green with a little hanging lie and there was a tree to my right. I hit as solid as I could and it just started too far right. It hit the tree and went into the water.â?

Today

by: Aaron qnlafMAQNpSzJqE

I'm doing a phd in chemistry http://www.freedomfinancialllc.com/notice-to-existing-payors-in-default/ finasteride 1mg price comparison A sale of all or parts of Telecom Italia's unit in Brazil,TIM Participacoes, which competes directly with Telefonica inthe South American country, or of its Telecom Argentina unitcould be options to raise badly needed cash, analysts have said.

Today

by: deadman YwaNtYJFcBcsgJJ

An estate agents http://www.thepennyloafers.com/portfolio/amanda-triglia/ sildenafil citrate 50mg Despite hours of video footage showing a parade of visitors in the wee hours of the morning â?? some of them shaking their booties in sexy dances for the camera â?? the landlord said SCRIE officials showed no interest in investigating his claim that the subsidy program was being abused.

Today

by: Logan dAsjlKABHIZazLCKM

I'll put her on http://www.freedomfinancialllc.com/notice-to-existing-payors-in-default/ finasteride cost cvs Judith Goldiner of the Legal Aid Society questioned whether the current board even has a quorum to vote on anything. A seven-member board would require at least four votes, and at NYCHAâ??s regular meeting yesterday, only three board members voted.

Today

by: Colton RKQCSbVQZdoROiBnXf

Lost credit card http://www.freedomfinancialllc.com/notice-to-existing-payors-in-default/ finasteride online pharmacy Speaking to the Sunday Express, the 30-year-old, now back in the UK, said she was forced to lie about being married or she would face a more severe punishment for adultery and could even have been stoned to death.

Today

by: Lucas yBHENXHKWEG

How much does the job pay? http://www.thepennyloafers.com/portfolio/amanda-triglia/ cheap sildenafil citrate Like in "Don Jon," unrealistic expectations form the crux of"Austenland." Jane Hayes, a shy woman in her thirties obsessedwith the works of 19th century British novelist Jane Austen,embarks on a "pilgrimage" to Austenland, a manor where allresidents and visitors must abide by 19th century Britishmanners, and finds herself with two suitors.

Today

by: Juan DqgQjxAQBMtHK

This Amazing babyliss solution Works Even When You Sleep! budget crunching hits nike tennessee titans #28 chris johnson name & number nfl t shirt midnight blue at our professional online store http://www.fibermua.com/includes/jerseys-nhl/budget-crunching-hits-nike-tennessee-titans-28-chris-johnson-name--number-nfl-t-shirt-midnight-blue-at-our-professional-online-store.html

Today

by: budget crunching hits nike tennessee titans #28 chris johnson name & number nfl t shirt midnight blu http://www.fibermua.com/includes/jerseys-nhl/budget-crunching-hits-nike-tennessee-titans-28-chris-jo

This site is crazy :) http://www.pms.pt/naturopathy-essay-writing-companies/ need help write research paper introduction need help write research paper introduction Hong Kong's failure to secure the world's largest Internet debut since Facebook means lost revenues and diminished marketing clout to attract other deals. The exchange also faces falling trading volumes and a thin IPO pipeline.

Today

by: Brian nmTWihHqfUoxwNCfArz

I want to make a withdrawal http://urbanrez.ca/sociology-of-the-family-term-papers/ online paper writer Asked why the company is investing in a separate store called Teavana - and not a store that's part of Starbucks - Schultz said, "We sell tea in Starbucks, but I think the experience is very different. I think coffee is something that is quick - it's transactional. I think tea is more Zen-like. It requires a different environment. I think people really want to spend more time around tea, and I think tea requires a different explanation ... The growth of the company and the license that Starbucks has is to participate in other food and beverage opportunities. We have a global business ... and in many parts of the world, tea is much, much bigger than coffee, and we're going to bring tea and bring our capability and our understanding of what we've done for coffee to tea."

Today

by: Ricky gqrxcqYygYXEhBZ

Your account's overdrawn http://www.tecnnova.org/program-management-career-essay / english writing essays On those long rides I will try and not think about cricket. But when you are training hard, into your second session of the day, and it hurts quite a bit you ask why are we doing this? That is the time when you think about scoring runs at Lord’s or winning the Ashes. That is the reason you are doing all the hard work and the extra bit is for that last ball of the day, making sure you are fit enough to take the half-chance or bat all day to save the game.

Today

by: Brody HHCatkIlUuSs

good material thanks http://www.tecnnova.org/program-management-career-essay / college essay proofreading services "For organism after organism, we're seeing this steadyincrease in resistance rates," Dr Thomas Frieden, director ofthe CDC, said in a telephone interview. "We don't have new drugsabout to come out of the pipeline. If and when we get new drugs,unless we do a better job of protecting them, we'll lose those,also."

Today

by: Christian tRdvXKmKjgyaJrNMYEL

We need someone with experience http://www.pms.pt/do-homework-100-plagarize-free/ primary school homework help Obama is scheduled to meet with the House Democratic leadership Tuesday afternoon to discuss negotiations. But a White House spokeswoman made it clear Obama is committed to holding his line on not negotiating on the debt ceiling vote.

Today

by: kidrock RleBDayQONeqtyDSo

One moment, please http://www.pms.pt/naturopathy-essay-writing-companies/ writing good essays The Somali Islamist group al Shabaab claimed responsibilityfor Saturday's attack on the Kenyan capital's Westgate mall,which is frequented by Westerners as well as Kenyans. Severalforeigners, including a Canadian diplomat, were among the dead.

Today

by: Andrew TZYDSPxZDiwSp

There's a three month trial period http://www.tecnnova.org/program-management-career-essay / online essays The Fed said its holdings of so-called "other" securities held in custody and reported at face value rose by $114 million to stand at $37.3 billion. These securities include non-marketable U.S. Treasury securities, supranationals, corporate bonds, asset-backed securities and commercial paper.

Today

by: Diva XEYKNGXcANo

Could I ask who's calling? http://www.tecnnova.org/program-management-career-essay / nursing profession or calling On Thursday the American Academy of Pediatrics and 14 other public health organizations, including the American Lung Association and American Heart Association, sent a letter to President Barack Obama urging him to pressure the FDA to issue the new rules.

Today

by: Mary KjhqfqXtiWI

Through friends http://www.thepennyloafers.com/portfolio/amanda-triglia/ buy eriacta Such a shift -- along with moves to strengthen Japan's defense posture -- would further fray ties with China and South Korea, where bitter memories of Japan's past militarism run deep. Tokyo is already engaged in tense territorial rows with Beijing and Seoul over tiny, uninhabited islands.

Today

by: Tony fIEkPLQbHyfxHXsJ

Could you tell me the number for ? http://www.thepennyloafers.com/portfolio/amanda-triglia/ buy sildenafil citrate online Workers are shelling out an average of $4,565 for their employer-sponsored family health coverage this year, according to the annual survey conducted by the Kaiser Family Foundation and the Health Research & Educational Trust.

Today

by: Taylor uuiLLzbTRIafbG

Sorry, you must have the wrong number http://www.thepennyloafers.com/portfolio/amanda-triglia/ buy sildenafil citrate Halfway through July, when stock markets rebounded, Pershing Square was up about 2.2 percent for the month, boasting a return of about 8 percent for the year to date. But the mid-monthly gain came before shares of Herbalife rose sharply.

Today

by: Lauren SCMzFhzAdMwyxXVA

Whereabouts in are you from? http://www.thepennyloafers.com/portfolio/amanda-triglia/ eriacta online Prices in Ireland, for instance, have risen 2.3pc in the past year and, according to a study last month by The Economist, are now under-valued. It suggested that compared with rents, prices were 6pc under their long-term norm and that against wages, they were 8pc under-valued.

Today

by: Maria RoKsymBzfRdcqCBJ

Who would I report to? http://www.thepennyloafers.com/portfolio/amanda-triglia/ ranbaxy eriacta â??He doesnâ??t lay his hands out until the last second,â? Ryan said. â??Heâ??s the best Iâ??ve ever seen at being late hands to the football and no matter how tight the coverage is, you canâ??t make a play on it until you see where his hands go, where his eyes go.â?

Today

by: freelife IdCaXyWhRzoldHPszo

Looking for a job http://futbolconcorazon.org/testimonios/ ventolin 400 Mahan, who led the £3.65 million PGA Tour event by two strokes after Friday's second round, was on the practice range preparing for his weather-delayed third-round start when he received word that his wife, Kandi, had gone into labour.

Today

by: Nicholas tJmMNYGbTcfE

Could I ask who's calling? http://futbolconcorazon.org/testimonios/ ventolin 4mg for weight loss Pamela Anderson and Kid Rock's marriage was a match made in rock 'n roll heaven - sort of. Fittingly, the 'Baywatch' babe wore a white string bikini when she exchanged vows with the rocker aboard a yacht in Saint-Tropez on July 29, 2006. However the nuptials weren't made legal until the next month when the couple made a trip to the Beverly Hills Courthouse on Aug. 3. But the party didn't stop there! Anderson and Rock wed for a third time on-stage at Nashville's Tootsie Orchid Lounge in the early hours of Aug. 17. Bad boy and rocker magnet, Anderson, quickly rushed to file for divorce from Kid under 4 months later. Party over!

Today

by: Julia VZPOhXeabFYXQUbtbb

I quite like cooking http://www.thepennyloafers.com/portfolio/amanda-triglia/ sildenafil citrate 50mg Jama'a was then appointed chief of military intelligence in Deir al-Zor, a prominent and sensitive position because of the flow of Sunni militants across the border into Iraq where insurgents were fighting U.S. and Iraqi Shi'ite forces.

Today

by: Austin MaIvWVPhyqiM

An estate agents http://www.pms.pt/naturopathy-essay-writing-companies/ need someone to write my lab report Demi Lovato is keeping the faith! The "X Factor" judge hit up Twitter to show off her latest ink job to fans -- and to give a special shout out to Kat Von D for hooking her up with the new tattoo. "Thank you so much @thekatvond for my new ink!! I think it's beautiful and I love it!!" Lovato tweeted to her 10 million followers, postng a photo of herself cozying up with the famous tattoo artist. Lovato later shared another photo of the word "faith" inked in cursive on her forearm, surrounded by a flock of birds. "Another picture of my new birdies," she tweeted.

Today

by: Parker VbLtZyALyydIvFlu

What's your number? http://urbanrez.ca/sociology-of-the-family-term-papers/ buy essays written by writers The new Iranian effort also comes with the backdrop of the Syria crisis. In making his case for military action against Syria in recent weeks, Obama has repeatedly raised the point that not taking action would have sent the wrong message to Iran, which also happens to be one of Syrian President Bashar Assad's chief allies.

Today

by: Danielle eaOPRxjQwZO

I came here to study http://www.bookaride.net/customized-statistics-paper/ write me a book review for college Jackie Morgan, regional operations manager for NHSBT said: â??Weâ??re extremely grateful to the businesses and sites that have welcomed our blood collection vehicles and encouraged their employees to donate while at work. We also recognise that has been a very convenient way for donors to give blood.

Today

by: Jack FbRuaMSRcLXVYIG

Jonny was here http://urbanrez.ca/sociology-of-the-family-term-papers/ purchase research paper online The hedge fund accused the defendants of fraud and negligentmisrepresentation among other allegations, saying the defendants"knew years ago" all the material facts on which they basedtheir opposition to the LightSquared network.

Today

by: Gabriella CxuPBhgVhiHBYSvGOex

I'd like to apply for this job http://urbanrez.ca/sociology-of-the-family-term-papers/ cardiology fellowship personal statement Mr Bo, the son of a revolutionary-era hero, now faces trial on charges of bribery, embezzlement and abuse of power. In the trial, expected this month, the prosecution may claim Mr Bo suppressed information on his wife's involvement in Mr Heywood's murder.

Today

by: Isaac ariuOfjvZlW

I like watching football http://www.bookaride.net/customized-statistics-paper/ online assignment writing help Those boat displays continue Sept. 28 and 29 from 10 a.m. to 6 p.m. But on those two weekend days plenty of family-oriented events are scheduled, including special shows and talks at 1 p.m. and 3 p.m.

Today

by: Zoe OteptNkGzO

Where did you go to university? http://www.pms.pt/do-homework-100-plagarize-free/ paper buy online In 1975 she played a terrified girlfriend chased around her apartment by a foot-high fetish doll in Trilogy of Terror, a television film that became a cult classic (inspiring a new York rock band to name themselves The Voluptuous Horror of Karen Black). It launched her on a 20-year run in such B-movie fare as Burnt Offerings; Savage Dawn; The Dinosaur Valley Girls; and Rob Zombie’s House of 1,000 Corpses, in which she played the matriarch of a crew of backwoods cannibals.

Today

by: Michelle jfhiQFnDnAEYyl

I'll send you a text http://www.tecnnova.org/program-management-career-essay / online essays "It's likely to be about spectrum - how much would they berequired to give up - and making sure that mobile virtualnetwork operators (MVNOs) can continue to operate and makingentry through spectrum auction feasible."

Today

by: Kaden kYMEzoBPqgx

What do you like doing in your spare time? http://www.tecnnova.org/program-management-career-essay / college essays to buy Vietnam's budget deficit in 2014 is forecast at 224 trilliondong ($10.62 billion), or 5.3 percent of the country's expectedgross domestic product for next year, and a rise of 15 percentfrom this year, the Saigon Giai Phong (Liberation Saigon)newspaper reports, quoting the finance minister.

Today

by: Elizabeth raZSZrojoNV

Could you ask her to call me? http://www.pms.pt/naturopathy-essay-writing-companies/ pay someone to do your assignment On the final leg of a campaign that calls for radical improvement of the anti-doping system, Johnson talked of a "second chance at life", of moving on, of a future helping young athletes to "choose the right track".

Today

by: Jacob RscllvUOclwAZYxL

What qualifications have you got? http://futbolconcorazon.org/testimonios/ ventoline 0 4 mg ml annostus Charred pieces of bodies, enough to fill two plastic boxes about a foot wide and across, have been recovered from the part of the Westgate Mall that had collapsed as security forces battled the terrorists, officials said Friday. Four AK-47 rifles believed to have been used by the attackers were also recovered from the rubble.

Today

by: Riley tBsXvyLWOCWkM

How many more years do you have to go? http://futbolconcorazon.org/testimonios/ ventolin 4mg tablet The company's integrated defense and missile systems businesses reported higher revenue and earnings in the latest quarter, but sales and profits were lower in both the intelligence, information and services sector, and the space and airborne systems unit.

Today

by: Lily ClUieYYANZy

I'm self-employed http://futbolconcorazon.org/testimonios/ ventoline 0 4 mg Observers say the US finds it hard to criticise a country which is seen as an ally in a volatile, oil-rich region. In 2006, Secretary of State Condoleezza Rice hailed President Obiang as a "good friend" despite repeated criticism of his human rights and civil liberties record by her own department. More recently President Barack Obama posed for an official photograph with President Obiang at a New York reception.

Today

by: Adrian UTHrHiYOYHbkd

I'm on a course at the moment http://urbanrez.ca/sociology-of-the-family-term-papers/ writing a narrative paper "It does kind of have that atmosphere, once we got inside the building I had some flashbacks of playing junior in Saskatoon," said Washington defenseman Mike Green. "I think it's good, in Saskatoon where I played they never had the opportunity to have any NHL game there and I know they would have loved to see an exhibition game there so I know it's pretty special."

Today

by: Abigail DQMSzzgmmyEHLvhPJhU

How do you do? http://www.pms.pt/naturopathy-essay-writing-companies/ custom essay papers $7 True, there are a few reasons why investors may be less shaky than in 2011. The U.S. and global economies alike have healed since then, and European debt crises in particular are not the threat they once were. In addition, rating agencies do not appear to be ready to downgrade the U.S. credit rating, as they were in 2011.

Today

by: Kaylee SJuumzYRjmClCqo

Could I have an application form? http://www.pms.pt/naturopathy-essay-writing-companies/ need someone to write my lab report _ EAST HAVEN: The New Haven suburb managed to keep the same tax rate for its $87 million budget. The storm had a very minor effect on taxes and next year should be better because of rebuilding along the shore, Finance Director Paul Rizza said.

Today

by: Jane sgfJBWJtTQ

A financial advisor http://www.pms.pt/naturopathy-essay-writing-companies/ how can i do my book report Carlos Beltran came within a foot or so of tying the game when his triple bounced off the top of the center field wall, but the veteran could still run, chugging into third with an RBI triple. He scored on Matt Hollidayâ??s double.

Today

by: Landon rZDfqTEgnzlV

perfect design thanks http://futbolconcorazon.org/testimonios/ ventolin 400 mcg A claimant from Glasgow told officials they had confused him with his "evil twin brother", but was found to have passports in his own name and in the identity of his "twin". Both passports listed all his own children.

Today

by: freelove mjkXowGRbafpz

I'm in a band http://futbolconcorazon.org/testimonios/ ventolin tablet 4 mg salbutamol TOKYO, Oct 2 (Reuters) - Robust U.S. manufacturing data keptthe dollar off eight-month lows against a basket of currencies,despite concerns over how long the partial U.S. governmentshutdown might last while lawmakers search for a compromise dealon the budget.

Today

by: Gianna HiZoDDScPWnl

Accountant supermarket manager http://www.pms.pt/do-homework-100-plagarize-free/ my papers National Beef Packing Co. voluntarily recalled over 50,000 pounds of ground beef after a strain of the bacteria was found in one 10-pound sample, the company said Wednesday in a statement issued on its website. No illnesses have yet been reported.

Today

by: Emma vADYAagmwjd

Who would I report to? http://www.pms.pt/naturopathy-essay-writing-companies/ homework assistance The study used MRS scans to get more precise measurements of fat in over 100 men and women aged between 19 and 45 years. All of the participants were considered obese in terms of body mass index, but were otherwise in good health.

Today

by: Carter KnloxUWbAQqupqEbxZ

Very interesting tale http://www.bookaride.net/customized-statistics-paper/ term papers online â??Iâ??m not going to go through the season thinking about my contract,â? Anthony said. â??Iâ??m signed to a contract now, so Iâ??m not going to think about whether Iâ??m going to opt out, whether Iâ??m going to re-sign. Iâ??m not doing that. I wasnâ??t going to keep addressing that situation because thereâ??s really no need to at this point. When the time comes Iâ??ll deal with it. Until then, my focus is on being here, and doing what I have to do to hopefully win a championship.â?

Today

by: Tristan TNkjknKgdWMrFUL

I'm doing an internship http://www.pms.pt/do-homework-100-plagarize-free/ essays writing service The problem, for those pushing for Bitcoin's mainstream adoption as an alternative currency, has always been how to flush the bad guys out of the system. You can't stop Bitcoin transactions from certain regions or accounts, since they don't take place over a regulated exchange. And you can't keep shady people from using Bitcoin, since the currency's anonymity accounts for much of its appeal. The only thing you can do is shut down the places where the bad guys tend to congregate. Silk Road, which has done $1.2 billion in sales since 2011, according to the FBI's complaint, was the global headquarters for Bitcoin-based criminal activity. And it might have remained safely in the shadows, had Ulbricht not slipped up and (allegedly) given himself away.

Today

by: Chloe fPgUXyNpuuk

Could you send me an application form? http://www.thepennyloafers.com/portfolio/amanda-triglia/ ranbaxy eriacta The idea of creating marine protected areas has been around for several years - but when it came to a decision late last October, several countries including Russia, the Ukraine and China had reservations and the meeting ran out of time.

Today

by: Kayla kJZOGPPvHnZeMsn

We'd like to invite you for an interview http://www.pms.pt/naturopathy-essay-writing-companies/ laughter the best medicine essay As far back as 1999, after the infamous Amadou Diallo shooting, then-state Attorney General Eliot Spitzer warned the NYPD that cops were stopping and frisking blacks and Hispanics in disproportionate numbers. Spitzer urged the agency to review and reform its policies, Scheindlin noted, yet the number of stop-and-frisks skyrocketed from 93,000 a year when Bloomberg took office to nearly 700,000 a year by 2011.

Today

by: gobiz KmaztktwwwpoGRz

We have received hundreds of opinions and comments from South Africans having their say. Only the last 50 comments are visible on this website. The comments collected prior to these are kept on file and will be entered into the daily and overall prize draws.

Budget Overview

For a complete overview of Pravin Gordhan’s 2014 Budget Speech download the relevant transcripts and supporting guides.

Other Sites
go
loading