Tag Investment

Financial regulation and the loss of sovereignty

A global phenomenon, nothing to do with Brexit

Right now in South Africa, President Zuma is being urged to refuse to sign the new Financial Intelligence Centre Amendment Act.

This act is part of ongoing global tightening of controls to reduce/eliminate money laundering and combat the financing of terrorism. There is plenty of freely available documentation to describe the aims – for example from the IMF and from the World Bank.

So these regulations are centrally imposed by global non-government organizations. Just like the Kyoto Protocol and the United Nations Declaration of the Rights of the Child, right?

Err ….. no. These regulations are different because Read more

CFOs should put their heads in the cloud

And save some money

As I perform my day job, as a management consultant with a bias towards IT, and the alignment of IT with business, I continue to be amazed at how CFOs are ignoring cloud computing.

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The Fat MAN defense

Fiat mixtura – but which one

The fat man defense is a company strategy whereby an acquisition is made to increase the size of a business so that it is more difficult to acquire. Fiat mixtura is a Latin phrase that can be loosely translated as “let the integration be made.” But will an integration involve a fat MAN? Read more

Snore and fleece

The US Financial Reform Bill is too long

The US Senate has started to debate the Financial Reform bill. This bill proposes the most sweeping changes to US (and, therefore, global) financial markets regulatory practices since the Great Depression of the 1930s.

So one might think this an extremely important bill, right? So all the Senators have Read more

Escher’s Bank

The incredible story of the Icelandic banking crisis

The Icelandic Special Investigation Committee (SIC) yesterday (April 12th, 2010) delivered its report on the collapse of the three main banks in Iceland. It makes shocking reading.

It can be downloaded here.

At Vox Sapiens, our initial vision was of a couple Escher’s masterpieces. Read more

An Overview of Annuities

“A brief introduction as background for other posts about annuities”

An annuity is a contract between you and an insurance company whereby the insurance company will pay you a certain amount of money, on a periodic basis, for a specified period. For example, you might pay an insurance company ten thousand dollars and in return you will receive 100 dollars a month for 10 years.
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The case for Rotating Annuities

“Providing flexibility around retirement”

Annuities have received a bad press recently. But from the perspective of the recipient (or investor) they are a perfect way of matching assets and liabilities – pick the right type of annuity and you receive a predictable┬ástream of income until you die, regardless of when this occurs.

Furthermore, for people who are tempted to dip into and spend their savings, rotating annuities (one might compare them to a dividend reinvestment plan) can be a technique to control this habit and preserve wealth.

To my knowledge, no company actually offers a rotating annuity as a product. But is is possible to create one synthetically. Here’s how: Read more

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