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//February 25, 2025

Mortgage Bond Arrears: Can You Challenge a Certificate of Balance?

25 Feb 2025
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“O, I do not like that paying back.” (Falstaff, in Shakespeare’s Henry IV Part I) A standard clause in loan agreements, suretyships and the like is the “certificate of balance” or “COB” clause.  Typically, it will read something like this (but normally with a lot more verbiage,...

From the Horse’s Mouth: “Should You Use AI for Legal Advice?”

25 Feb 2025
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“If you didn’t hear it from the horse’s mouth, it came from the other end of the horse.” (Anon) The rapid rise of AI is hard to ignore. DeepSeek’s AI assistant, only launched on 10 January this year, has grown to rival ChatGPT in popularity, making it the most widely used AI...

Defending Yourself: What Weapons Can You Legally Carry?

25 Feb 2025
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“The right of self-defence is the first law of nature.” (St. George Tucker, Blackstone’s Commentaries, 1803)  South Africa’s chronically high crime rates have left many of us wondering what the limits are when defending ourselves and our families from criminals. What...

Effective 1 March 2025: New National Minimum Wage

25 Feb 2025
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The National Minimum Wage (NMW) for each “ordinary hour worked” has been increased from 1 March 2025 by 4.4% from R27,58 per hour to R28,79 per hour.  Domestic workers: Assuming a work month of 22 days x 8 hours per day, R28,79 per hour equates to R230,32 per day or R5067,04...

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