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//B Lubbe & Associates

Employers: It’s November Again. Must You Pay 13th Cheques?

28 Oct 2024
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“The best investment you will ever make are your employees” (Peter Drucker) As the end of the year approaches, many employees are eagerly awaiting their 13th cheque or year-end bonus. However, not every employer is in a position to pay bonuses, and this can lead to...

No Means No: What the New Case on Consent Means for Victims of Sexual Violence

28 Oct 2024
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“Sexual violence is a horrific reality that continues to plague this country.” (Quoted in judgment below) It’s often said that victims of rape and other types of sexual violence have to suffer twice – firstly at the hands of the rapist and secondly at the hands of the law. A...

Three Ways to Protect Yourself from the Nightmare Neighbour in Your Complex

25 Sep 2024
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“A bad neighbour is a misfortune, as much as a good one is a great blessing.” (Hesiod, 700 BCE) It seems that every community has at least one nightmare neighbour who delights in objecting to everything, fighting with residents and management at every turn, and becoming abusive...

How Can You Protect Your Heirs’ Inheritances from Their Creditors?

25 Sep 2024
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“The only person who sticks closer to you in adversity than a friend is a creditor.” (Unknown) You’ve done everything you can to leave your loved ones financially secure after you die. You’ve left enough assets to set them up in their own lives, made a valid will (“Last Will and...

How Does the New Corruption Reporting Law Affect Your Business?

25 Sep 2024
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“In defence of Madiba’s legacy, we will continue to wage a relentless war on corruption…” (President Cyril Ramaphosa) You may have seen mention of the new amendment to the Prevention and Combatting of Corrupt Activities (POCCA) Act that imposes severe penalties for...

Protect Your Employees from Harassment and Abuse – or Pay the Price

25 Sep 2024
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“It takes leadership to improve safety.” (Jackie Stewart, Formula 1 legend) One of your key duties as an employer is to create a working environment in which your employees are protected from harassment and abuse. As a recent High Court judgment graphically illustrates, dropping...

Sibling Showdown: How One Missing Word in a Will Divided a Family

27 Aug 2024
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“From small mistakes come great catastrophes.” (Justin Cronin) We’ve all seen how even the smallest mistake can have huge consequences down the line. A recent High Court spat between siblings over a poorly-drafted will confirms once again that when it comes to important documents...

When Can You Legally Record Conversations?

27 Aug 2024
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“Big Brother is watching you.” (George Orwell) Your smartphone lets you record just about anything, anywhere, and at any time. Your laptop and other devices can automatically record online meetings. Technology enabling voice and/or video recording is all-pervasive, providing us...

Waiving the Bond Clause to Keep a Sale Alive: Risk Versus Reward

27 Aug 2024
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“This sale agreement is no more! It has ceased to be! This is an EX-sale!” (With apologies to Monty Python) A “bond clause” – standard in most property sale agreements – typically provides that the whole sale depends on the buyer obtaining a mortgage bond by a specified date. If...

Divorce and the New Three-Pot System: Another Risk To Manage

27 Aug 2024
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“Divorce is the one human tragedy that reduces everything to cash.” (Rita Mae Brown) How will the new “Three-Pot Retirement System” (often referred to as a “Two-Pot System”) affect financial arrangements on divorce? Retirement savings can amount to a significant portion of a...
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