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Discretionary income is the funds available for investing and saving and includes money spent on luxury items, holidays and non-essential goods and services.
When the game gets tough, change the game. A business model merely describes the way in which a company makes money.
Global stock markets have been under pressure the last few weeks as uncertainty around Greece's sovereign debt
It is an investment style that goes against prevailing market trends by buying shares that are performing poorly and then selling when they perform well.
The share has recently fallen quite strongly and may be offering a buying opportunity now.
The gold mining index has slumped 15% lower since its April 2010 highs. This is despite a slightly weaker Rand, while the Dollar gold price has appreciated.
Adjusting to economic ebbs and flows requires an understanding of how industries are characterised by their relationship to the economy.
South Africa's prospects are brighter than ever as 30% of its exports are destined for Asia, while China is now its largest trading partner.
Google said this week that it had stopped censoring search results for news, images and other information and would redirect its China-based website to Hong Kong
The economy is forecast to contract by 2% this year, with fairly muted growth of 2.7% projected for next year.
