Save your­self from a fi­nan­cial ‘own goal’

At times of great ex­cite­ment, sports fans are prime can­di­dates to fall foul of crim­i­nals who want to score off their fi­nances. Both lo­cal and for­eign foot­ball fans need to keep their wits about them all the time. Noth­ing pleases some­one with ill-in­tent mo

Weekend Argus (Saturday Edition) - - PERSONAL FINANCE -

sys­tem (GPS) rentals and data cards.

To im­prove fi­nan­cial ac­cess for tourists from African coun­tries, Ecobank card­hold­ers will be able to with­draw funds from their Ecobank ac­counts via all Ned­bank ATMs. Smit Crouse, the ex­ec­u­tive head of the Ecobank/Ned­bank Al­liance, says this will af­ford Ecobank clients sig­nif­i­cant sav­ings on for­eign ex­change costs, par­tic­u­larly for those who pre­vi­ously had to con­vert their cur­rency twice: first into United States dol­lars and then into rands. The Port­fo­lio Col­lec­tion, a tourism web­site, has the fol­low­ing guide­lines about tip­ping:

It is cus­tom­ary to tip a waiter be­tween 10 and 15 per­cent of the bill. How­ever, check your bill care­fully. Some restau­rants, es­pe­cially if they serve a large group of peo­ple at a ta­ble, may add a “gra­tu­ity fee” or “ser­vice charge” to your bill – this is the amount set aside for the waiter’s tip. If you pay an ad­di­tional tip, it is un­likely to be ques­tioned.

It is cus­tom­ary to tip the at­ten­dant. The amount is at your dis­cre­tion.

Wher­ever you park your car in the open, you are likely to find a car guard. Most car guards do not re­ceive any re­mu­ner­a­tion other than the money they are given by mo­torists. Al­though the pres­ence of a car guard sig­nif­i­cantly re­duces the like­li­hood that your ve­hi­cle will be stolen or bro­ken into, it is not a guar­an­tee that your car will be se­cure. You can tip a car guard at your dis­cre­tion, usu­ally based on the length of time your ve­hi­cle was parked.

A stan­dard 10 per­cent of the bill can be paid on check-out. This is usu­ally dis­trib­uted by the es­tab­lish­ment among staff mem­bers such as cooks and clean­ers. You can check with the in­di­vid­ual es­tab­lish­ment on their in-house pol­icy on tip­ping.

Porters are usu­ally tipped be­tween R3 and R5 per item of lug­gage.

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