SAA profit dives after R431m accounting error
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Bloomberg
2 minutes ago
- Bloomberg
South Africa to Set up Credit Guarantee for Infrastructure in 2026
South Africa's government intends to establish a credit-guarantee initiative in July 2026 to support investments in infrastructure by private companies, the nation's deputy finance minister said. About 10 billion rand ($569 million) is required to fund the program, of which the government will contribute 2 billion rand in equity, David Masondo said at a conference in Pretoria on Thursday. Authorities are in talks with lenders for the remainder of the funds.
Yahoo
28 minutes ago
- Yahoo
Cheapest Places To Retire in the South in 2025
Preparing for retirement requires more than just careful saving (though that's very important as well). A wise retiree also will choose a retirement town or city that is affordable, so the person's nest egg can last the rest of his or her life. Learn More: Check Out: That's why GOBankingRates has analyzed the data and compiled a list of the cheapest American cities to retire in. Eleven of the top 20 are located in the South. If you are looking for a city in the South that won't drain your retirement savings, here are 20 of the best. 20. Louisville, Kentucky Population 65+: 15.9% Monthly cost of living (with mortgage): $3,305 Livability: 66 Also See: Discover More: 19. Winston-Salem, North Carolina Population 65+: 14.8% Monthly cost of living (with mortgage): $3,293 Livability: 63 Explore More: 18. Fayetteville, North Carolina Population 65+: 12.7% Monthly cost of living (with mortgage): $3,172 Livability: 73 17. El Paso, Texas Population 65+: 13.9% Monthly cost of living (with mortgage): $3,129 Livability: 81 16. Corpus Christi, Texas Population 65+: 15.0% Monthly cost of living (with mortgage): $3,119 Livability: 80 Find Out: 15. Oklahoma City Population 65+: 13.3% Monthly cost of living (with mortgage): $3,084 Livability: 81 14. Tulsa, Oklahoma Population 65+: 15.0% Monthly cost of living (with mortgage): $3,069 Livability: 75 13. Mobile, Alabama Population 65+: 17.1% Monthly cost of living (with mortgage): $3,057 Livability: 73 12. Lubbock, Texas Population 65+: 12.5% Monthly cost of living (with mortgage): $3,049 Livability: 78 Read More: 11. Baltimore Population 65+: 14.9% Monthly cost of living (with mortgage): $3,003 Livability: 77 10. Little Rock, Arkansas Population 65+: 15.2% Monthly cost of living (with mortgage): $2,988 Livability: 72 9. Amarillo, Texas Population 65+: 14.8% Monthly cost of living (with mortgage): $2,903 Livability: 66 8. Brownsville, Texas Population 65+: 12.6% Monthly cost of living (with mortgage): $2,885 Livability: 79 Read Next: 7. Augusta, Georgia Population 65+: 14.8% Monthly cost of living (with mortgage): $2,836 Livability: 64 6. Macon, Georgia Population 65+: 16.2% Monthly cost of living (with mortgage): $2,822 Livability: 75 5. Montgomery, Alabama Population 65+: 15.6% Monthly cost of living (with mortgage): $2,771 Livability: 64 4. Columbus, Georgia Population 65+: 14.4% Monthly cost of living (with mortgage): $2,750 Livability: 64 For You: 3. Birmingham, Alabama Population 65+: 16.2% Monthly cost of living (with mortgage): $2,678 Livability: 67 2. Memphis, Tennessee Population 65+: 14.1% Monthly cost of living (with mortgage): $2,667 Livability: 70 1. Shreveport, Louisiana Population 65+: 17.4% Monthly cost of living (with mortgage): $2,556 Livability: 60 For this study, GOBankingRates analyzed the cities to find the cheapest places to retire. GOBankingRates identified cities with populations of at least 150,000 and a population percentage of residents aged 65 and over of at least 10%. Population and income data was sourced from the U.S. Census American Community Survey. Cost of living was determined using Sperling's BestPlaces, the Bureau of Labor Statistics Consumer Expenditure Survey for retired households, Zillow and the Federal Reserve. The livability index was sourced from AreaVibes. All data was collected on and is up to date as of Feb. 18, 2025. More From GOBankingRates New Law Could Make Electricity Bills Skyrocket in These 4 States I'm a Self-Made Millionaire: 6 Ways I Use ChatGPT To Make a Lot of Money 5 Strategies High-Net-Worth Families Use To Build Generational Wealth 3 Reasons Retired Boomers Shouldn't Give Their Kids a Living Inheritance (And 2 Reasons They Should) This article originally appeared on Cheapest Places To Retire in the South in 2025 Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Forbes
an hour ago
- Forbes
Retail Success Isn't Found; It's Forged
Joel Goldstein is the President of Mr. Checkout Distributors. Success in retail doesn't fall from the sky. It doesn't arrive stamped in silver on your first purchase order or emerge fully formed in a viral TikTok video. It isn't something you stumble upon at the right trade show or manifest in a vision board. Success in retail is not found; it's forged—like steel under flame. With pressure. With heat. With repetition. Retail is a crucible. And every product that makes its way onto a shelf is tested by that fire. The light catches the packaging, the customer's eyes flick toward it and in that brief moment—half a heartbeat—it either connects or disappears. And if it disappears long enough, so does your space. Shelves are unforgiving. They don't care about your backstory, your margins or your motivation. They reward what moves and remove what doesn't. And still, most new brands enter with a kind of hopeful arrogance, as if a good idea and some nice branding are enough to push past gravity. But gravity always wins—unless you build lift. At Mr. Checkout, we've seen this dynamic play out hundreds of times. Brands with perfect pitch decks and airtight strategies fall flat, while others, rougher around the edges but relentless, find traction. The difference isn't polish. It's persistence. One brand stands out—a natural cleaning line created by a mom who saw a gap in the market: safer formulas, no synthetic fragrances, real efficacy. The branding was clean, minimalist and very online-chic. Retailers loved the pitch. Placement came easily. But then, silence. The product didn't move. She didn't panic. She pivoted. Instead of blaming the store or slashing the price, she visited each location. She asked store clerks what customers were saying. She stood in aisles and observed behavior. And what she learned wasn't glamorous; it was grounding. Shoppers were confused. The bottles looked expensive. The pump tops didn't signal a cleaning spray. The scent names sounded more like candles than cleaners. She changed the copy. Swapped to trigger sprayers. Introduced a starter bundle. Sales started climbing—not explosively, but steadily. Brick by brick, store by store. Now she's in hundreds of independent locations, all built from that same forge of friction and feedback. That's how it works. Retail isn't a stage. It's a workshop. And the independent channel is where the real work happens. These stores don't have the corporate buffer that insulates you from the truth. They give it to you straight. If your product doesn't move, they'll tell you. If the price doesn't make sense, you'll hear about it. If your story isn't landing, it'll echo in the quiet. And that's not a bad thing. That's the gift. In mass retail, failure is silent. Your product doesn't move, your emails go unanswered, your invoices get adjusted for reasons that sound made up. You're replaced by a newer SKU, and no one tells you why. You vanish without clarity. In independent retail, you get a second chance—if you show up. If you ask. If you listen. The irony? So many brands are in a rush to skip this stage. They want national placement without local performance. They want volume without validation. But validation is the only thing that gives volume value. Without it, scale is a liability. It's tempting to believe that success is on the other side of more stores. But more shelves don't fix the fundamentals. They amplify them. If your packaging doesn't convert, it'll fail faster. If your margins are tight, they'll collapse harder. If your product doesn't tell a clear story, it will be ignored at scale—louder. So pause. Lean in. Use this moment—the early grind, the slow climb—as your forge. Test pricing. Refine messaging. Listen to the language customers use. Watch how your product is handled, placed and talked about. Every observation is a blueprint. And keep showing up. Brands that succeed in retail don't disappear after the delivery. They return. They follow up. They build relationships with store managers and cashiers. They provide samples, restock displays and update materials. Not because it scales, but because it sticks. Relationships are one of the few things in retail that compound. When a retailer believes in you, they don't just reorder. They recommend. They champion. They give you premium placement without asking. That's not something you can buy. It's something you earn, one visit, one conversation and one honest exchange at a time. Yes, this path takes longer. Yes, it's harder. But what you build here, if done right, will last. Because what you forge in the independent channel isn't just a better product. It's a better brand. A clearer voice. A sharper focus. A deeper understanding of who your customer actually is—not who you hoped they would be. And that knowledge is power. When the time comes to step into national chains, you'll bring leverage. Real-world traction. Proof of concept backed by more than theory. And most importantly, you'll walk in knowing your product works. Retail is not won by the clever. It's won by the committed. So don't chase placement. Earn it. In the forge. Where the product becomes story. Where the idea becomes identity. Where brands are not made, but made real. Forbes Business Development Council is an invitation-only community for sales and biz dev executives. Do I qualify?
