The basic formula for running a business is to make good on the RIO or Return On Investment. This is a simple calculation done by most business owners and investors. ROI = (net profit before tax / capital and reserves) X 100. Simply put, how much money did I make from the money I put in, expressed as a percentage. It is important to monitor this periodically so that you see your investment grow and your cash flow stay positive.

We came across another formula, ROE or Return On Ego, this week....

According to our Financial guru and Associate Clive Bydawell, 79% of South Africans are under constant financial pressure. Well to state the obvious, thanks Clive, but there is more that he has to say. Clive is offering a chance to get out and become one of the 21%.

No this is not just a get rich scam or MLM programme using Twitter and email to generate leads.

Clive has started an online financial literacy course that is delivered through online videos that will give you some insight, educa...