How much sleep does the average person need each night? Are afternoon naps healthy? Dr Mark Opperman from The T-Clinic joins The Gareth Cliff Show to discuss this topic, that affects everyone.

How do we create jobs and enable employment for the youth in South Africa? Gareth Cliff speaks to Kapina Tjale and Stefan Lauber from Ifundi - a training institution that specialises in futuristic and technologically enabled careers… helping young individuals gain their first set of skills for the 4IR workplace.

Maybe it's time to talk politics at the dinner table... Change Starts Now sent us a box of Christmas Crackers with a difference. Gareth Cliff, Simphiwe Mthethwa, Trevor Gumbi, and Lasizwe crack some open to find out more.

Anthony Mederer isn’t only a history nerd, he’s also crazy about sharks. He joins Gareth Cliff and the team to discuss his new podcast series, Shark Stories… as well as the SharkSafe Barrier, which is a game-changer in protection for both humans and sharks.

Dr Mark joins Gareth Cliff and Phumi Mashigo to discuss all you need to know for your summer skincare routine - from moisturiser... to sunblock... to PH balance and more.

Join Dr Fathima Patel, Medical Manager at Acino, as she returns to explore Anti-Microbial Awareness Week, along with Dr James Mac Donald - a specialist microbiologist. Together, they discuss anti-microbial resistance, global trends in antibiotic use, prevention methods, and the significance of rational antibiotic prescribing.

From solving sibling disputes to talking to your beloved pets... and even keeping an eye on your valuables - actress, business owner and ambassador for Ring, Hayley Owen Watters joins Gareth Cliff in studio to discuss the benefits of having this advanced security surveillance system in your home. Plus, find out about their big Black Friday deal!

Who looks after the network during the festive season? And what happens when you come back from holiday? Jaco Voigt, host of Unbundled, shares some tips and advice so you can have a stress-free summer.

Gareth Cliff speaks to Andrew Ludwig, the Co-founder and CEO of CURRENCY HUB, a regulated investment manager, specialising in digital asset arbitrage. Find out more about the potential profits, risks involved, and minimum investment needed to jump into the game.

Dr Mark, as promised, is here to talk about penis augmentations. Surgical and not, as well as some facts that will blow your mind.

John Smit is back in the country after his many travels overseas, including popping into France for a World Cup game. He spills some stories of previous World Cup memories… and of course his delicious new brandy, Avante - it doesn’t matter how you say it, as long as you order it!

Dr Mark from the T Clinic stops by the studio to discuss breast reduction surgery with Gareth Cliff and Phumi Mashigo. He explains the many obstacles preventing people from getting this often necessary procedure, as well as the reasons why both men and women would consider the surgery.

Are there any early warning signs of heart disease? Gareth Cliff is joined by Dr Fathima Patel - a doctor and the Medical Manager in the Medical Department at Acino. They speak to cardiologist, Dr Farouk Mamdoo, about all you need to know to keep your heart in a healthy state. Brought to you by Acino. Acino

Jaco Voigt from Catalytic joins the team to discuss scams and how to potentially avoid falling victim to them. One of his tips is to avoid trusting emails or messages received via social media. He also covers topics like e-SIM cards and purchasing VPNs.

From mammograms to pap smears and more... what are the essential health screenings for women? Chief Clinical Officer at Discovery Health, Dr Noluthando Nematswerani, joins Gareth Cliff and the team to share key information on how you can get the most out of the Discovery WELLTH Fund.

John Smit dials in from Dubai not only to hype us up about the recent performance by the Springboks, but also to tell us about his latest venture in the ‘brandewyn’ space with Avante Brandy.

Dr Mark from the T-Clinic jumps on the show to discuss erectile disfunction… which could be a sign of something far more dangerous.

Dr Ron Whelan, COO of Discovery Health, drops in to speak to Gareth about the WELLTH Fund and essential screenings for men. He goes into detail about how to start your WELLTH Fund journey, and what some of the benefits include.

Dr Ryan Noach, CEO of Discovery Health, joins Gareth Cliff and Leigh-Ann Mol in studio to discuss Discovery’s WELLth Fund. Dr Noach, assisted by wellness specialist Melissa Naidoo, talk through the step-by-step process of going through a wellness check, the possible outcomes, and why you should do your regular health checks. The WELLth Fund: Your Health Unlocked!

Have you wondered why women struggle with natural journeys? Their preferences for wigs, weaves and braids? Lebang Kgosana chats with Thokozile Mangwiro to find out about her natural hair journey, her struggles with her natural hair, and finding the right products to suit her needs until Nilotiqa hair products were discovered.

Do you have a pooping schedule? Why don't we weigh less after we poop? Dr Mark from The T Health Show joins Gareth Cliff and Phumi Mashigo on The Gareth Cliff Show, to answer some gut-related questions.

Have you wondered what Shea Butter and Marula Oil do to your natural hair? Join Lebang Kgosana and Thokozile Mangwiro as they chat about what sets Nilotiqa apart from other natural hair care brands, how the brand is suited for your type of hair, and what’s new in their product range.

When Gareth Cliff's business partner Rina was looking to buy a new car, Phil Coetzer at De Wit Motors Ermelo sent one to CliffCentral for her to test drive. When she decided to buy it, she did all the paperwork at her office - and they bought her old car at a good price, and collected it from her. She sold and bought a car without leaving the office. You too can receive this royal treatment… just because you listen to us! If you're in the market for a new car and need to sell your car, De Wit Motors Ermelo will bring the dealership to you! Go to dewits.co.za to browse their selection of cars – new and used – find what you fancy, email us at contact@cliffcentral.com and we’ll connect you.

How big is sports betting in South Africa, and how does it actually work? Bavu Mpama - Product and Business Development Manager at Supabets - joins The Gareth Cliff Show to enlighten us.

If somebody asks you about your "hair history", how do you respond? On the first episode of 'Crowned: The Nilotiqa Podcast for African Hair Care', founder and CEO of Nilotiqa, Thokozile Mangwiro chats to Lebang Kgosana about the history of African hair, and how Nilotiqa products can walk you through your natural hair care journey. Nilotiqa

Jaco Voigt, CEO of Catalytic and host of Unbundled on CliffCentral.com, drops in to The Gareth Cliff Show to talk about longevity when storing your business’ data. Catalytic is launching a brand new product called Wasabi, which stores long-term data for clients in need of a cloud solution for their servers. Jaco also advises us on cyber security in data storage, and how important it can be to work with a trusted hosting partner.

Gareth Cliff is joined in studio by South African boxing legend, Dingaan Thobela, to talk about his career and influence in the industry… alongside Damascus Sport, who started in furniture upholstery and are now killing it in the sports equipment space. CEO Sherwin Enoch talks about the brand and what they’re doing for the youth in the world of boxing, including bringing in an up-and-coming fighter - Kaine Fourie. Damascus Sport

What if you actually had the power to do something about loadshedding? NESTLÉ BAR.ONE has launched an awesome campaign called NESTLÉ BAR.ONE #needenergy – Lighting up Libraries. This campaign is all about keeping libraries open by providing energy during loadshedding, so our youth can have a place to prepare for their mid-year exams. DJ Sbu, former Miss South Africa 2020 Shudufhadzo Musida, and Kuvashni Bhagwandas from Nestlé join the show to tell us more.

Dr Mark from The T Health Show joins Gareth Cliff and Phumi Mashigo to discuss puberty. From the initial stages to the age you should be worried about if you haven’t seen any signs of change yet, and other things to look out for - plus some controversial questions from the team are tackled.

Have you ever felt like you’re running out of data faster than you should be? Or perhaps your line has been throttled to the point of no return because it’s the end of the month? Jaco Voigt from Catalytic talks to Gareth Cliff about all of this and more, including a conspiracy theory that may land him in hot water!

Psychiatrist and podcast host Prof. Christopher Paul Szabo joins Gareth Cliff and the team to discuss the upcoming season of 'Beyond Madness'. Prof. Szabo shares his concern about mental health in the workplace becoming just a checklist item. He also talks about mental health in children, and common factors between case studies. Is medication the answer to everything? Check out all the episodes of Beyond Madness on CliffCentral.com!

Dr Mark from The T Health Show wants to change the expression from, “You are what you eat” to “You are what you don’t eliminate”. He breaks down the pros and cons of detoxing, and safe ways of doing it.

Jaco Voigt, CEO of Catalytic, joins The Gareth Cliff Show to talk about ‘The Cloud’ in business. He explains its definition and benefits - whether it be through your own infrastructure, or others. Gareth debates whether it’s worth the money to go through international cloud storage companies. Jaco has a solution for you!

Dr Mark from The T-Clinic breaks down the relationship between your car and supplements. Weight gain and obesity is one of the fastest growing diseases in Africa - the W.H.O. has even classified it as chronic. Listen for tips and info about weight loss and weight management!

Willie Vos, CEO of Waterfall City, speaks to Gareth Cliff about their latest accolade of winning Best International Mixed-use Development 2022-2023 for Waterfall City at the annual ‘World’s Best’ International Property Awards - for the 5th time! Willie also tells us more about the idea behind Waterfall City, and how they make it all work... plus, their upcoming plans for the year.

How does one become an industry leader in the banking game? Linda Appie, the CMO of TymeBank, joins Gareth Cliff to discuss the company’s history and business model.

Living in South Africa has become more and more stressful over the years for the average citizen. Besides daily work and general life stressors, we now also have to deal with anxiety left over from the Covid era, as well as working around the electricity and water issues across the country. Dr Mark gives us advice on the signs of stress burnout to look out for, and he shares some coping mechanisms we can use.

On the 15th of July 1992, a young mother, Rachel Nickell, was murdered on Wimbledon Common as her two-year-old son looked on. Her death would lead to one of the most notorious miscarriages of justice in British criminal history. The Murder That Changed Britain is a CBS Original, showing exclusively on CBS Justice (DStv 170 - available on Catch-up).

In July 1992, a young mother was murdered on Wimbledon Common as her two-year-old son looked on. Her death would lead to one of the most notorious miscarriages of justice in British criminal history, as a man was imprisoned for a crime he did not commit. For three decades, the person who shouldered the blame for this was the country’s leading forensic psychologist, Professor Paul Britton, who finally breaks his silence in a series of exclusive interviews on the 90-minute special, The Murder That Changed Britain. Gareth Cliff speaks to Prof. Paul Britton about this fascinating true crime story. The Murder That Changed Britain, a CBS Original, airs exclusively on CBS Justice (DStv 170) on Sunday 29 January at 20:00.

Phil Coetzer from De Wit Motors, and Mark Raine - Co-CEO of Mercedes-Benz - join Gareth Cliff to talk about the history of Mercedes-Benz in South Africa, customer relations on the ground, online vs showroom sales, as well as the relationship between De Wit Motors and Mercedes-Benz.

Jaco Voigt from Catalytic - host of Unbundled - joins the show to talk about cybersecurity in the business world, and why businesses should take it more seriously. Plus, what to expect from Unbundled this year. Catalytic

Is the customer always right? Jaco Voigt from Catalytic, and host of Unbundled, joins the show to shed light on the biggest cybersecurity threat in the world, the country which has the best cybersecurity, and measures that we should be taking as we go on holiday. Catalytic

Where do you save your memories? The Capsll app gives users digital time capsules to save life stories, memories, and insights in video, picture, and audio format - and here to tell us more is its co-founder and CEO, Clint Davis.

Brand Editor for Investec group, Caroline Edey Van Wyk joins The Gareth Cliff Show to talk about going to different provinces and communities, and telling the stories of how Investec is making a positive impact. One of the ways she's done that is through the podcast series, Future Impact. Investec

Mental health issues affect us all on a daily basis, and how we deal with these issues can affect you or someone in your life at any time. Professor Christopher Paul Szabo, host of Beyond Madness, joins the show to give us a better understanding of psychiatry and mental health.

What is data extortion? Jaco Voigt from Catalytic joins the show to talk about cybersecurity and how the Everest gang was demanding $200k for data stolen from South Africa state-owned electricity company Eskom. Plus he answers a question about VPN. Catalytic

Hosted by Patrick Aryee, biologist and award-winning wildlife filmmaker, Evolve tells the enthralling and visually spectacular stories of some of the most astonishingly superpowered creatures on the planet. Patrick joins the team to talk about how the series investigates how we could harness evolution's unique adaptations to potentially revolutionise our future. Evolve premieres on DStv 185 on Wednesday 5 October. Evolve

Phil Coetzer from De Wit Motors joins the show to talk about the pros and cons of buying vehicles online, and why the G-Wagon is the flavour of the month.

Host of Unbundled, Jaco Voigt joins the team to talk about email security. He shares how to tell whether an email is fake, and why he doesn’t shop online. Catalytic

Skilled strategist, innovator, and leadership coach, Maanda Tshifularo is passionate about advancing leadership excellence. He is the host of Leadership Books Unpacked, and he joins The Gareth Cliff Show to tell us about himself, the show, and his new book, 'Lead with Super Clarity - How Successful Leaders Achieve Exceptional Results'.

Jaco Voigt from Catalytic and the host of Unbundled joins the team to talk about the consolidation in the telecoms industry, and he explains what it means for the end customer.

Vanessa Ascencao is a dynamic, inspirational and highly qualified nutritional consultant and health and wellness expert. She chats to Gareth Cliff to give us some immune-boosting tips. She also talks about the positive effects of Spirulina, and how we can beat sugar addiction.

'Descent of a Serial Killer' is a new true-crime series where experts examines the killer’s path from childhood or early teens – exploring when worrying traits first come to the fore, the gradual pushing of boundaries, and the disintegration of personal morality. Phumi and Gareth had the chance to watch a sneak preview of the first episode, and they give us a taste of what to expect!

Dr Bryanna Fox is a psychological criminologist, and a former FBI special agent. She is now a Professor of Criminology in the USA, at the University of South Tampa, Florida. Dr Fox uses her skills in evidence-based profiling to work alongside many police departments, advising them on how to identify offenders and prevent crime in their communities. Gareth Cliff speaks to her about the new true crime series, 'Descent of a Serial Killer', where Dr Fox examines the killer’s path from childhood or early teens – exploring when worrying traits first come to the fore, the gradual pushing of boundaries, and the disintegration of personal morality. Watch 'Descent of a Serial Killer' now on CBS Justice (DStv channel 170).

Jaco Voigt from Catalytic joins the team to let us know about the importance of every business - big or small - having a data centre, and the latest promotion they are running.

Phil Coetzer from De Wit Motors joins the show and shares how women will usually ask about the colour of a car, unlike men - who will be more concerned about its specs. He also talks about the new G-Wagon.

Africa Day was celebrated recently, and the team thought it would be useful to look at Digital Transformation in Africa with the Dean of Johannesburg Business School, Prof. Randall Carolissen. He shares his thoughts on the future of Africa and his views on digital solutions for African countries.

Jaco Voigt from Catalytic joins the show to talk about penetration testing, and how important it is to ensure that you are completely protected from internal and external threats. Catalytic

Hosted by Professor Christopher Paul Szabo, Beyond Madness is a podcast series featuring psychiatrists in conversation, covering a range of topics related to issues in psychiatry that impact our society. He chats to Gareth about the new season of Beyond Madness, the difference between season 1 and 2, and the sponsor - Adcock Ingram OTC Sponsors of Brave.

Gareth Cliff has been talking about BMW’s push to electric mobility, and he got to experience the all-electric BMW iX - alongside TV personality Dr Musa and motoring journalist Francisco Nwamba. They chat about their love of cars, the future of mobility, the BMW brand in South Africa, the new BMW iX, and why we should look at changing to an EV.

The BMW iX is now available in South Africa! Gareth and Bakh'abantu talk electric vehicles, crystal buttons, panoramic roofs and why it’s the car of the future.

Desmond Payne MBE is Beefeater’s Master Distiller, and he joins the show to talk about gin! In the past 9 years, he has developed 8 gins and he explains what makes a good gin, his favourite way to drink it, what you shouldn’t do with it and lots more.

Remember when you had to back-up your data using a computer? Jaco Voigt from Catalytic joins the team to talk about the importance of backing up your data, and disaster recovery. Plus, an amusing story about cops stopping a self-driving car! Catalytic

Phil Coetzer from De Wit Motors joins us to talk about the state of electric vehicles. Is there any value in having a diesel or petrol car? He also shares an interesting stat that 30% of Americans drive EVs, and gives his take on the future of EVs in South Africa.

There’s a new grocery shopping app in town, and Anthony Wilson from Airlift Express joins the team to shed some light on it. He explains what differentiates them from other shopping delivery services, how they keep their prices low, and how they deliver within 30 minutes until 10pm. Use the promo code CLIFF30 to get R30 off your first order over R100! Airlift Express

Lilo Maclachlan, Head of English Medium High School and Uta Prinsloo, Head of Department: German as Foreign Language join the team to share why it’s so beneficial to attend a German school, the importance of the German language and where parents can find out more.

Phil Coetzer from De Wit Motors joins the team to talk about the Hyundai Palisade, which is the perfect family SUV that includes seat coolers! He also sheds light on the new Hyundai Staria.

Cybercrime has evolved to become an even greater threat than ever before, as it’s not hard to steal someone's login details, break into their bank accounts, or even hijack their identity. Gerhard Swart from Performanta joins the team to talk about the impact of a cyber security breach in South Africa.

DCX Bullion’s Founding Partner and CEO, Deon Rebello joins the team to talk about what South Africans can do to protect their wealth, and why bullion is better than money in the bank. DCX Bullion

Jaco Voigt from Catalytic joins the team to have a bit of a catch-up. He learns about "shaking the salt", and also explains why you pay more for a business fibre line than you do for a personal one. Plus, a reminder for small businesses out there about Unbundled #Boost!

Beyond Madness - in proud association with Adcock Ingram OTC Sponsors of Brave - is our new podcast series that maps not only the practical aspects of psychiatry, but also its purpose, and shares a broader view on the service and outcomes that the discipline provides to society. The series intends to demystify both psychiatry and the plight of those afflicted with mental illness. The host, Professor Christopher Paul Szabo, joins the team to tell us more about this new series.

The proudly South African Adcock Ingram OTC are once again dedicating the month of October to HOPE in the form of HOPEtober. Alan Ford joins the team to explain what HOPEtober is, and the idea behind starting this initiative last year.

TNT Africa launches All Elite Wrestling (AEW) Rampage across the African continent on Saturday 2 October at 10am on DStv channel 137. Gareth Cliff chats to Johannesburg born Angelico (Adam Bridle), who brings an undeniable South African flavour to All Elite Wrestling. Find out about his training regimen, why he’s been skateboarding lately, how his wrestling name came about and lots more!

One could say these guys are full of beans! Teddy Nzama (current Starbucks Barista Champion), and Ishan Natalie (Category and Coffee Lead for Rand Capital Coffee/ Starbucks SA) chat to Gareth about Starbucks being one of the largest purveyors of coffee in the world, what makes it so unique, and making the perfect cup of coffee.

Phil Coetzer from De Wit Motors joins the team to talk about the track day he and Gareth recently had, and the cost of a Maybach, which might be a good investment in the long run. De Wit Motors Ermelo

Dieter Herbst - Head of BMW Product Management - joins the team to talk about the BMW iX. He sheds light on some of its luxurious features, the technology it uses, and how it performs off-road.

Alex Schmid from Contro joins the guys to talk about erectile dysfunction. He shares the various treatments available, how much they cost, safety, and Contro’s Women's Month promo. Contro

Access to birth control can still be challenging for some women, but now there’s a much easier solution! Alex Schmid from Contro joins the team - along with Dr Sharmistha Heeralal - to answer some of the questions they get asked most often about the service they offer, and birth control in general. Contro

This week Carel Snyman joins the team to talk about his primary motivation for choosing to buy an electric vehicle (EV), the actual driving experience of one, whether it's any different from a traditional car and much more! BMW

If you're a fan of British TV series, this is what you've been waiting for! BritBox has just made its South African debut, offering thousands of hours of British TV - including a range of new titles ... plus hundreds of older favourites such as Blackadder, Absolutely Fabulous, Inspector Morse, Top Gear, Fawlty Towers and Midsomer Murders. Reemah Sakaan, CEO of BritBox International, joins Gareth Cliff to tell us all about this exciting new streaming service.

This week Claycia Johnson from BMW joins the team to explain the difference between an electric vehicle and a standard car, torque, charging stations ... and she answers some EV related questions. BMW

Jaco Voigt, CEO of Catalytic and the host of Unbundled, joins The Gareth Cliff Show to make a special announcement about a wonderful opportunity for small businesses. Catalytic

Peter Van Binsbergen - CEO of BMW South Africa & Sub-Saharan Africa - chats to Gareth Cliff about the electric vehicles they plan to launch in the near future. They also discuss the plans and infrastructure that BMW has for e-mobility in South Africa. BMW

Phil joins the team to talk about the overall state of the car sales business, and the dynamic driving course taking place in August. De Wit Motors Ermelo

All South Africans are called upon to join the #ThisIsUs movement, to show the world that we condemn the ugliness, hatred, and fear of recent events. Yatish Narsi joins the team to give more insights about the campaign and how people can join. #ThisIsUs

No more embarrassing moments at the pharmacy! Contro is an online prescription and delivery service for sexual health and confidence products in South Africa - currently offering birth control and erectile dysfunction treatment. Gareth Cliff chats to the founder, Alex Schmid, to understand a bit more about Contro and its services. Contro

Are you currently looking for TVs, appliances and much more? Better yet, are you looking for a bargain? Well, Hirsch’s - one of the most reliable and biggest brands in the country - can sort you out with their special deals and winter sale... Luci Hirsch chats to Gareth Cliff to tell us more about it. Hirsch's

How is your pocket looking, and are you searching for a way to make it a little bigger? Gareth chats to Nick Morgan, co-founder and Managing Director of Opportunity Private Capital, about their objective of consistently providing opportunities that offer attractive fixed returns in South Africa to private clients, while simultaneously protecting the invested capital with immovable assets. Opportunity Private Capital

Wellness and health is kind of a bigger deal now than ever. Gareth has a conversation with Paul Miller, the CEO of Cipla South Africa, to talk about where you can go to find credible medical advice. They have a new podcast series, Health Matters, that puts experts from across the medical world right in your earbuds or speakers. Cipla

Gareth recently took a drive to the Kruger National Park, and thanks to the team at De Wit Motors his experience was quite out of the ordinary. Phil gives insight into the Mercedes Benz V-Class that Gareth cannot stop raving about. De Wit Motors Ermelo

Phil Coetzer from De Wit Motors updates the team with what’s happening in the world of motoring. He shares insights on the latest car sales trends, and recommends the best car for going on game drives with the family. De Wit Motors Ermelo

Philip Coetzer, owner and dealer principal at De Wit Motors, has some advice for people who are thinking about getting a new car... whether they should upgrade or downgrade. He also answers some of your burning questions. And Gord explains some car jargon to Siya. De Wit Motors Ermelo

Remember exactly a year ago when you thought the end was near and you started panic-buying everything from baked beans to basically anything else in a tin? What have you done with those things? Well Nando’s has a solution. Darren Hampton from Nando’s gives insights on their Tin for Tjips campaign, which aims to help those in need by collecting your panic-bought tins of food and redistributing them to hungry children. Nando's

The CEO of Waterfall Management Company, Willie Vos chats to the team about the innovation and effort that his team have put into creating a “city within a city”, the international property awards they have won, and interesting facts about Waterfall City: The Future City. The Waterfall Podcast

Gareth chats to Head of Food at Nando’s, Pascale Sobiecki who has one of the best jobs in the world. She shares the ever-evolving food trends, the value of exploring an uncommon career path, and the various career options at Nando’s. Nando's

Medical doctor and aesthetics specialist Dr Mark Opperman, and TV and theatre producer Chris Avant Smith, join the #GCS team to talk about their medical lifestyle show on CliffCentral, The T Health Show - brought to you by The T-Clinic. The show covers topics ranging from the female orgasm... to depression and anxiety in teenagers, erectile dysfunction and lots more. The T Health Show

2020 was a tough year for everyone and in 2021, we need to tighten our belts even more. How can we make our money work for us and save tax? Christo Lineveldt, Investment Specialist at Coronation, chats to Gareth Cliff about why a tax-free investment might be exactly what you need. The tax year ends on 28 February. So, you still have time to take full advantage for this year. Coronation

We have only one life and only one place to live it - so it makes sense to look after the third rock from the sun. We’re constantly searching for better energy sources, with gas putting its hand up as a viable alternative to hydrocarbons for a number of applications. If you’ve been considering a transition from the grid to a hybrid or gas solution for your energy needs, visit The Gas Company for all your options and the best advice.

What drives entrepreneurship? Often, the perception is that you cannot build a world class business unless you live in places like Silicon Valley or Stockholm; but after settling in South Africa in 2005, Thomas Pays became a serial entrepreneur, and created Ozow in the process. His latest brainchild aligns the unique African business landscape with global commerce needs, and aims to dismantle barriers between the two - before they even come up. It has been said that the art of business is helping people, and Ozow does just that. Made in France, perfected in Africa: Thomas Pays, CEO of Ozow Pays.

The 'gig economy' has been millennials’ buzz term for a while now, but that’s evolved into micro-jobbing - and Ladder is the killer app. Similar in concept to a ride hailing app, but for the artisanal tasks that need to be done around the home, Ladder is a platform for the casual labour market to connect to customers in an accredited, safe space. For more information click here.

As Christmas closes in, wouldn't it be lovely to win the big 'el Gordo' prize, which sits at a mouthwatering R44 billion? If you would like a piece of the French lotto, you can also enter and stand a chance to change your festive season. If you are an influencer, Lottoland is giving you the chance to bring a socially conscious company and dream to life - for more information on how to apply, visit thankslottoland.co.za.

The Covid-19 lockdown has not been kind to traditional retail, but in the new normal, the biker lifestyle sector of fashion has a new company which is fusing the functional and the fashionable attire of motorbiking enthusiasts. Natty Biker Streetwear is the product of the forward thinking motorbike lifestyle lover, Unathi Mthangayi. A modern brand for the ever modernising biker scene.

21st Century life is demanding; even without the burden of a global pandemic, daily stresses mean personal health often takes the backseat as we raise families and attempt to maintain professional and personal relationships. To help people keep a healthy balance, dietician Stephanie Joyner started a meal prep and delivery business called TasteBox. Healthy food doesn't have to cost a fortune, and if you want your portions sliced, diced and spiced, this is your dream come true.

Is corruption always to the detriment of a state? Is it ever necessary for quantum leaps in societal progress? Are there any countries in the developed world who have benefited from periods of corruption to become what they are? If you have corruption in your government and it leads to growth, at what stage do you start seeing diminishing returns? Would the Western world be what it is without corruption? Brought to you by The Gas Company.

Brick and mortar retail has been strongly affected by the global pandemic which we are in, but some businesses have managed to survive. Bathu Shoes is the brainchild of Theo Baloyi, which he started in a garage in a township. Sneaker culture is exploding in South Africa and there is no more fashionable and quality-driven brand than this. Theo details how he has managed to keep his business afloat in lockdown, and how he has been able to sell his shoes at a competitive price point.

The Top-35-under-35 competition was launched by The South African Institute of Chartered Accountants (SAICA) in 2014 to recognise its young CA(SA) achievers. It has proven to be a huge success in recognising and promoting young CAs(SA) under the age of 35, who are not just achieving extraordinary results in their professional capacity, but also have a significant impact on society. SAICA

In an ever-diversifying world, the empires of the future will be built by those who can connect the world through the art of interlocution. Thato Mogatla, MD of Live Languages, tells us about the online language consultancy, and how a global pandemic did not stop him from making his dream a reality. Brought to you by Ozow.

Sometimes the best business ideas are literally all around us... we just need to look out of the window. Although lockdown has been challenging for many industries, Jorentia Van Rhyn has kept her company Oh My Woodness alive, and if you are looking for the finest artisanal wood decor and accessories, look no further than this proudly South African business.

In a time of accelerated societal change and tremendous global complexity, how have the systems of government kept up with the advancement in the desire of people to live well with dignity and agency? Is centralisation still useful in the 21st century? Is the advent of technology a saviour, or a different chain on the ankle of citizens? Can a dictator ever be benevolent? Is there such a thing as a perfect society? Do we need a government at all?

Where did the idea of money come from? With human beings living in a global society of tremendous complexity, is the current model of fiat economies viable for the remainder of the 21st century? Are people too prone to corruption when they are in charge of money? Are banks a bottleneck within the movement of cash from central banks to citizens? Are digital economies stable enough to become the default mode of global financial interaction?

This weekend you can look forward to the mega millions draw which could pocket you R6.5 billion. The US Powerball stands at a mouthwatering R7.1 billion. A cleaner from Germany recently won €19 million, and their money was paid out within 24 hours. To find out how to bet on the outcome of these mega millions lotto draws and more, click here.

Is our reliance on the state a good or a bad thing, and how does one manage this delicate balance of co-existence and mutual toil? Is banning a constructive way to move society forward? Do people have the right to be horrible? The systemic lockdowns undertaken globally during Covid-19... could they have been done in a better way? Is going off the grid a viable option for most of us who need energy supply for our daily lifestyles?

If you are dreaming of a holiday or just buying your own island, look out for the Euro Millions draw coming up this weekend. The German lotto draw is at a mouthwatering R555 million! The granddaddy of them all is the US Powerball... and this week it could be you who wins. Maryke Haywood joins us to speak about how you will be paid out should you win - within 24 hours. She also has a nice surprise for Leigh-Ann Mol.

Where does the concept of wokeness come from? Might there be a link between religion and the woke movement of our times? Is there an alternative to virtue signalling when looking for progress in terms of social justice? Are we at a breaking point when it comes to the ever tenuous bind between Western democracy and the need to serve an ever-growing list of individualistic needs? What are the possible consequences of the current woke movement? Brought to you by The Gas Company.

Why does it matter when in the year you register your vehicle, and what are the financial benefits of knowing this little detail? With electronic interfaces being the norm now, can wily folks still turn back their odometer? What other services does De Wit Motors offer besides car sales? How does one go about updating the software on their vehicle? The new Mercedes-Benz GLA is launching soon, what's it packing under that hood? The new C-Class is being compared to its bigger brother... high praise indeed. When will all Mercs have an EV option? De Wit Motors Ermelo

If you are interested in getting involved in the international lottery world, you now have an option to take a punt on the 'Italian Stallion' - Italy's biggest lottery draw. The Christmas Cracker is on in Spain, with a raffle-style traditional lottery draw coming this festive season. And the German lotto is a bonanza this coming week... one to look out for!

Should you only use your lucky numbers on lottoland.co.za? Maryke Haywood, Marketing Manager for Lottoland South Africa, is back to give us more tips and tricks on how to play and win... plus some more clarity on those pesky taxes and possible ways to get around them.

As much of the world went into lockdown earlier this year, use of the Internet and digital services surged! The downside however is that many people were ill prepared for the very real threats that come with greater Internet connectivity, and have been sitting ducks in a year that can be described as ‘open season hunting’ for cybercriminals, where nothing and no one has been off limits. Added to this is that employees are often the weakest link in the cybersecurity chain – putting business at risk sometimes without even knowing it. Gareth Cliff speaks to Lehan van den Heever, Enterprise Cyber Security Advisor at Kaspersky for Africa, about the changing cyber threat landscape, and how you can prepare your business by upskilling your employees using innovative training programmes and platforms. Kaspersky

Every four minutes you are able to win a life-changing fortune if you go to lottoland.co.za and bet on the global lotto draws which are constantly taking place. How exactly does lottery betting work? What happens if you win the jackpot, how will the payout be done? What is a bundle bet and how does it work? Gareth Cliff speaks to Maryke Haywood from Lottoland South Africa to get the answers.

How do you mould a finance professional to be ethical in practice and not just in theory? When managing the development of finance professionals, what is the role of educational institutions? Morality is a dual education process... which factors should mentors consider when developing young accountants? Mandi Olivier, CA(SA) and SAICA’s Senior Executive: Professional Development, tells us about how SAICA is committed to instilling ethics in aspiring accountants to ensure the future of the profession. SAICA

The latest Mercedes-Benz C-Class is a fuel efficient machine of the future, that much is clear. In the age of the SUV, the GLE Coupe is the real deal. The new shape Geländewagen will turn heads wherever you go, and with new lights, night turns into day! If you want to announce to the world that you have arrived, the S-Class is the car for you. The tough decision is whether to get a driver, or to drive this vehicle yourself. De Wit Motors Ermelo

Are you interested in betting on the outcome of a R5.5 billion lotto payout? Is Lottoland attached to the National Lottery? How many lotto draws can you gamble on? Are there any Cinderella stories that have come out of Lottoland winnings? How does Lottoland manage to pay out the scale of payouts when people win? Gareth Cliff speaks to Maryke Haywood to get the answers.

In 2020 we are all looking for a solution to give our lives flexibility within the workspace. What role should an ISP play in your business? Is fibre a fail-proof solution, or should you have back-up connectivity options... if so, what are the alternatives? Jaco Voigt, Chief Executive Officer at Catalytic, speaks to us about the future of connectivity in Africa, and the vision he has for them to become the best ISP in the game.

As we emerge from a global pandemic, small businesses will need our support even more. A home is the reflection of oneself, and if quality is at the centre of your life and home, Casa Italia Interiors has just opened their marquee store at Menlyn Mall. The father and son operation of Bala and Dushaan Pillay are ready to bring together quality, fashion and luxury to your home... with over 30 years of experience in the furniture industry, they are tried and tested.

What is the role of corporate society when dealing with the deeply troubling social ill that is sexual and gender-based violence? How can we seek to deconstruct the social archetype of men's mental health not being important? What type of environments can be created to make men feel safe to talk about their underlying anxieties? Tumelo Mokowe, Director of the People Function at Absa Botswana, details the intent behind The Men’s Imbizo.

The very nature of being human makes us all prime centres for toxins and bacteria to accumulate internally, and on the surface. Luckily, Ozone has been proven to be proficient at killing bacteria. The Ozone system is safe for the family and extremely portable. CliffCentral listeners are in line for a special discount offer. For more details, you can WhatsApp 071 452 0308 or visit windsorhealth.co.za Windsor Health

Given the recent accounting and auditing scandals, the South African Institute of Chartered Accountants have increased its focus on ethics training in the pre- and post-qualification education space. Jeanne Viljoen, Project Director at SAICA elaborates on what SAICA is doing to address this issue. SAICA

For more than 20 years, Ozone Elite - a market leader in ozone therapy - has seen hundreds of various ailments being treated successfully. As one of only four globally accredited companies on the planet, they are committed to holistic health so you can have the best version of yourself to take into the world daily. Don't miss the exclusive offer for CliffCentral listeners: The first 10 respondents via WhatsApp/Text will get a R6,000 discount, plus optional extras worth R5,200 absolutely free of charge! The number: 0714520308. Windsor Health

The point of a car used to just be about getting from A to B. That has changed... from eco friendly EVs to the still popular G-Wagon. For everyone in the world, Mercedes has a Class for one and all - the C, E and S Class are now status symbols. Should one finance every vehicle? Phil from De Wit Motors has the answers for us. De Wit Motors Ermelo

The days of being a corporate company, rather than a corporate citizen are long over. It's time to realise, if you do good, business will be good. Gender-based violence is our second pandemic and Absa have drawn a line in the sand to say, "No more!” Join us for our #StopToStart Webinars, as we tackle the issues around this scourge in our society. #StopToStart is proudly brought to you in collaboration with Absa.

Shell's Domnick-Sipho Nkhatu and Yellowwood's Ntombizamasala Hlophe discuss the current youth trends we see shaping current and future brand marketing communications strategy, how research will need to adapt going forward and how brands have had to align to still appeal to the youth during 2020.

The overall theme of the event digs into the trends, tensions and tribes of today. In this podcast, Siya Sangweni talks to Mall of Africa, a 2020 partner and winner of 2019’s coolest shopping mall and a young professional who love to shop. They go into what tribes love shopping, how much the retail has had to change during the course of the year, what the youth expect from malls, how Mall of Africa has adapted and what it has planned to stay relevant or “Cool” to these tribes.

There have always been youth tensions, but how have they evolved, what are the matching trends that can be used to turn tensions into brand marketing opportunities, as South Africans, what is our role in this? Digging into 2020's theme of trends, tensions and tribes, representing Proudly SA and teen HDI JBod, Siyabonga Zungu and Nono Ditshego give Siya Sangweni their take on the tensions that stand out to youth and how this affects brands.

Generations have historically been divided by impactful events. These events, typically create fear and uncertainty; change how people view the world, the past, and the future; and affect how people take risks and make decisions. Every generation is experiencing the impact of COVID-19 differently, just as every brand will need to adjust their marketing strategies in order to reach and engage with each generation on a day to day basis. CliffCentral.com's Siya Sangweni speaks to three youth representatives on their brand perceptions, daily consumption habits and ways in which brands should appeal to young buyers in this new day and age.  

A pleasure shared is a pleasure doubled is the message Chantyl Mulder, CA(SA) and SAICA’s Executive Director: Nation Building, wants to share with the corporate world. As the world looks to heal after a crippling pandemic, why are SAICA so committed to the UN's 17 Sustainable Development Goals (SDGs)? The numbers are in... collaboration is king, both for the bottom line and for society. SAICA

What can you expect from Sunday Times Gen Next 2020? For starters this year Gen Next in partnership with HDI Youth Consultancy and Shell, have taken the event online. They are keeping things advancing forward, but in a digitised format. Siya Sangweni talks to Eben Gewers, Head of Advertising Sales and Trade Marketing, Arena Holdings, then Maps Maponyane, Gen Next Awards MC about what the team has in-store for this year's event.

The X Class has been discontinued, but does this mean the price will come down? If you want the best of both worlds - bakkie power and Mercedes luxury - this is the car for you. The market for the X Class cares mostly about status, but what we know for sure is that this car is not just a show pony. Does driving a new car weekly lose its appeal? For the best deals on the latest Mercedes-Benz, check out dewits.co.za. De Wit Motors Ermelo

What is SATTA and what is their core focus? The lockdown and banning of tobacco has led to a breakdown in the relationship between government and the tobacco industry. Can this be salvaged? How much money is the tobacco black market making daily, and why is this harmful to South Africans across the board? Has the ban served its purpose? Zacharia Motsumi, spokesperson for SATTA, details why he is advocating for South Africa's government to #LiftTheBan. To pledge your support vist lifttheban.org. LiftTheBan

Farm workers are part of a traditional economy in a digital economy, but what are their options if they can't work on the tobacco farms of South Africa? The knock-on effects of closing down value chains is unquantifiable, has government considered this? 296,000 jobs are under threat right now and tobacco farmer Edna Kloppers joins us to speak about her mission to #LiftTheBan - in association with SATTA. LiftTheBan

Soweto Business Access strives to be a game changer in the township economy. The lockdown has had unintended consequences, which are ripping the fabric of the community apart. 30% of the youth are being forced to sell illegal cigarettes instead of being fruit and veg vendors... are we creating criminals by design? Sharing cigarettes due to exorbitant black market prices is a factor in the rapid spread of Covid-19. Mphuthi Mphuthi, Chairperson of Soweto Business Access (SBA), is encouraging government to listen to the people and #LiftTheBan. To join forces, go to lifttheban.org - in association with SATTA. LiftTheBan

What are the personal effects of lockdown on tobacco farmers? Considering the crop cycle, how do we protect the tobacco industry beyond lockdown, by allowing them to continue farming? How many jobs will be lost if the tobacco industry is not reopened immediately? Is government endorsing the illegal trade of cigarettes? How will this banning of the tobacco industry affect the commercialisation of black farmers? Jabulani Tembe is the Secretary of the Black Tobacco Farmers Association (BTFA) and he is urging all South Africans to join the #LiftTheBan movement at lifttheban.org - in association with SATTA.

When lockdown was imposed, perhaps it should have been considered how value chains work. What cost does the tobacco ban have to the tax coffers? Has the government been in communication with all stakeholders in the value chain to ensure they’re prepared to reopen when the time comes? Finally, what are the societal implications of the ban? Johnny Moloto is working with SATTA and he unpacks the current reality for the tobacco industry. Lift The Ban

Benz has added ‘Agility’, an innovative banking solution for your driving pleasure - but what is it, and how can it work for you? And with one click of a button, your phone and your car can be synced and ready to go. For more information visit dewits.co.za De Wit Motors Ermelo

The interpretation of spoken word for the deaf is not purely functional, but it is profound, because it is the extension of what should be an inalienable right... the right to access of information. Thuli Zikalala, one of only 11 SA Translation Institute (SATI) accredited interpreters in South Africa, has collaborated with CliffCentral and created podcast history. Here's to continuing to open the world's eyes through Blind History.

Where do your tax rands go and how can we track the money trail in the public sector? The Auditor General’s report on audit results for local government - released on 1 July 2020 - showed only 8% of municipalities received clean audits. This reveals how vital strong internal controls, appropriately skilled staff and ethical conduct are in ensuring effective service delivery. Natashia Soopal, the Project Director: Public Sector at SAICA, joins Gareth Cliff to emphasise the need to professionalise the public sector finance professionals. SAICA

What is the art of motoring and why is it valuable for people to drive a nice car? The GLC 300 Coupe is a work of art. Built for on and off road adventure, the beauty of this fine piece of German ingenuity is that as you navigate the world, your car becomes your phone. It's as easy as saying "Hi Mercedes", and you are in full control of the SUV of the future. De Wit Motors are based in Ermelo and you can check out their full gallery at dewits.co.za. De Wit Motors Ermelo

Is D.I.Y marketing the way of the future? How much of your target turnover should you spend on marketing your business? There is a wide spectrum of audiences across multiple platforms, how do you ensure that you cut through the noise in a content saturated world to engage them? Can consumption trends be tracked, and what value does that have in business? CliffCentral Creative is here to be your North Star in the marketing landscape in the post-Covid economy... and into the future. Gareth Cliff speaks to Tim Culley to find out more.

Do you know what you might be putting onto your hands and all over your body as you sanitise during these times? If you don’t, you’ll want to listen to this. There’s great headway being made to prevent SARS-CoV2 contamination, by BioConsulting and their Organic Fresh® Sanitiser. The team tells Gareth more about how their product is a carefully formulated complex, exclusively consisting of natural unique S4L Technology flavonoids and extracts with extensively researched sanitary, health, environmentally friendly and food safety benefits. Despite what you might have heard, it’s not all doom and gloom out there! AmpaMist

For those who say youth is wasted on the young, Wangari Mbuthia is challenging all of those notions. TEDxRedhillSchool’s inaugural event was the brainchild of the 18-year-old matric student, and along with her teacher Adam Golding, they have compiled an illustrious list of speakers to address how we can start to imagine a prosperous global society post Covid-19.

Why is it so important for Public Sector financial offices to be professionalised? Are accountants just bean counters or is interpretation of data and a range of other soft skills important to master the task of balancing the books? What is a 'clean audit' and how can one take proactive measures to achieve this financial clean bill of health? Gareth Cliff speaks to Inge Muller, CFO and CA(SA) on SANRAL, on why she is passionate about professionalising the SANRAL finance office through SAICA’s Associate General Accountants and Accounting Technicians designations. This is a position she’s held for the past 17 years. SAICA

Is your business ready to open for (e)business? As South Africa’s lockdown regulations loosen up, it seems that we are slowly finding our rhythm again. But have you considered how maximising the eCommerce space could assist you in these times? eCommerce specialist Warrick Kernes provides tips and tricks on how to navigate the eCommerce space in this conversation.

What is individual freedom and can governments legislate for this? Is the prohibition of cigarettes infringing on the freedoms of not only individual rights, but the rights of legal tobacco traders who make way for illegal smugglers? Outside of the estimated R200 million cost to the tax coffers, what are the societal effects of cutting smokers off from cigarettes with no warning or alternative? Can there be freedom if the government doesn't engage its citizens and business stakeholders before implementing policy?

How does one of the most well-groomed men on TV keep his grooming game strong while under lockdown? Gareth Cliff gets the scoop on eNCA's Shahan Ramkissoon’s secrets, that keep him looking ultra dashing for South African news viewers every weekday!

As South Africa rolls out its tiered levels of lockdown, individual rights need to be clear - both for the authorities and the citizenry at large. Jerome Levitz, Director at Fluxmans Attorneys, answers the question of what you can be fined for during lockdown. How should you deal with an officer of the law if they approach or question your movements? If you do find yourself being arrested, what are the appropriate steps? There is a life-changing consideration that you must know about when you get the offer to pay an admission of guilt fine.

Fashion designer Rich Mnisi truly lives a life of glitz and glamour, so how has he been dealing with having to stay put indoors during the lockdown, while maintaining his looks? The man who lives and breathes fashion and grooming shares some of his beauty tips and tricks.

Whether you call them “bean counters” or “those that crunch the numbers”, you can’t get past the importance of efficient accountants. If you run a business, have a voice in hiring of staff, or as an accountant yourself, do you know the benefits of belonging to a professional body? Introducing Be Accountable - brought to you by SAICA, the South African Institute of Chartered Accountants. SAICA is the foremost accountancy body in South Africa and one of the leading Institutes in the world. In this episode, Gareth Cliff speaks to Robert Zwane - SAICA’s Senior Executive: National Projects, Nation Building. SAICA

Just because you might be at home under lockdown, doesn't mean you have to let yourself go! This is what media personality and Sorbet fan, Aki Anastasiou, explains to Gareth and Siya as he gives us some quick tips and tricks for maintaining great appearance from home. This is the first episode of Shower Diaries - conversations with men who know how to help you keep your grooming game strong - brought to you by Sorbet Man.

Joint-CEO of Fluxmans and Insolvency, Business Rescue and Litigation expert, Colin Strime, chats to Gareth Cliff about the rigours of business rescue under Covid-19 economic conditions. Fluxmans Attorneys

When cooking for health and wellness, the truth is that simplicity is king. Chantal Lascaris has just released her brand new book 'All Sorts of One-Dish Wonders'. Eating healthy doesn't mean sacrificing taste. One-dish wonders are possible for breakfast, lunch and supper... and best of all, no mess - just delicious healthy meals! The book is available online for download.

True entrepreneurship is the ability to resist the temptation to give up when the going gets tough. Covid-19 as a 'market force' was not taught in any MBA programme anywhere in history. Our Epson entrepreneurs - Linda Moeketsi, Sibu Mabena and Roxy Ferreira - answer the questions which you may want to know about the trials and tribulations of a small business owner, and they answer them as their businesses are having to pivot and adjust to global circumstances not seen since the second World War. As in life, the core business rules are simple... build relationships and keep them. Epson South Africa

Insurance is never a nice thing to pay for, a grudge purchase if you will, but what if your insurance company was willing to freeze part of your premium if you say... experience a lockdown because of a pandemic? Naked Insurance do this, not as a Covid-19 gimmick, it's how they roll 24/7. Ernest North talks about his vision when he started the company, how technology helps him keep his prices as low as they are, and he also tells us about Rose who is no BS, just great prices... best of all, she's not real. Business can do well, while doing good for the customer! Naked Financial Technology is an authorised FSP. Policies are underwritten by The Hollard Insurance Company Limited, a registered insurer and authorised FSP. Naked Insurance

Cryptocurrency… invest here, there and everywhere… or do we have to just start going back to keeping our cash underneath the mattress? Where does the future of money lie? In these times of uncertainty and volatility, perhaps this is a conversation that will shed some light in helping you answer that question. Gareth chats to Troy Gold's Dane Viljoen, Luno's Marius Reitz, and World Wide Worx's Arthur Goldstuck about the future of money.

Acts of God will come and go, but the champions of our economic framework are our entrepreneurs. Being passionate is important, but being business savvy takes everything you have within you, passion is not enough. When you own a business, is there such a thing as a day off? Is it all just about bringing in ‘The Benjamins’, or is creating employment opportunities important too? What makes entrepreneurship fun? Linda Moeketsi, Sibu Mabena and Roxy Ferreira are three dynamic entrepreneurs who - along with Epson - are working together to not only solidify their own enterprises, but are also passing on the knowledge to the next generation. Epson South Africa

The coronavirus epidemic in China has had the world’s attention for over two months now. There has been a litany of information which has led to the dissemination of misinformation around the situation in China from multiple sources worldwide. The Consul General of the People's Republic of China in Johannesburg Mr Tang joins us in studio to detail what the Chinese government is planning to do to manage the now officially reported 30,004 cases in Hubei Province. How will China manage the shut down city of Wuhan which has 12 million citizens?

Fund managers Avi Gordon and Adriaan Erasmus are two people who think of alternative energy in a progressive and bilateral manner. Taking strain off the grid and presenting cost-effective solar options to the public, business owners and future investors is just a small part of what this dynamic duo is doing for the future of business. Are centralised grids a notion we need to rethink in 2020 and beyond? Section 12J and alternative energy... an opportunity to do well while doing good. Grovest

Business dynamo Faith Khanyile takes us into her mind and journey as she has traversed the corporate South African landscape over the last 20 years. What is leadership and what demands do great leaders impose on themselves? She speaks about the role that business should have in society at large. Could diversification be good for a company’s bottom line? We delve into the challenges she has faced and continues to face as a woman in the corporate world. Is mentorship important and what role might it have in your long term development as a leader in business? Business can be good and also do good, as CEO and Director of WDBIH, Faith is a living breathing example of this. Grovest

Kahn unpacks his association with education and how he views the notion of learning as a lifetime experience. His story about why he decided to do his MBA was pure serendipity. We talk about the similarity between education and the songwriting process. As a family man, Kahn is now making decisions from a different perspective, and it has altered his view on life in general. A naturally inquisitive mind, he is enthralled by science and history in general... the mind of Kahn was truly great to meet. Henley Business School

There is truth in the saying that you have to love yourself first before you can love someone else. You work like crazy and you deserve to take the time to invest in yourself. With February being the month of love (and the end of tax season), it’s the best time to show yourself (and your hard-earned money) some proper appreciation. You can do this by taking advantage of tax-free investments. Christo Lineveldt from Coronation joins The Gareth Cliff Show to tell us why looking after your money is the best Valentine’s Day gift you can get or give. Coronation

What does a man who has done it all in the entertainment industry do to stay driven? Loyiso unpacks what it’s like to be the man who picks the content for TBN... talk about pressure. What pushed him to do an MBA at Henley? Where do business and the arts intersect, and is it important to know this information? The MBA has been known as a 'divorce course', but Loyiso has managed to hang on to his wife of 8 years. Plus we get an exclusive into the title of his thesis. Henley Business School

Pepperclub Invest is a Section 12J VCC company with its main asset being the 5-star hotel in Cape Town, the aptly named Pepperclub Hotel. Pepperclub Invest fund manager Amaresh Chetty details what the benefits are of investing in the Pepperclub. The tax benefits and ROI can seem complicated, but with over 40 years of experience on the board of directors - which includes the Solomon brothers and the Grovest team - Amaresh details this fantastic Section 12J VCC investment opportunity right down to the last detail. Grovest

We meet the mind of investigative journalist Pauli Van Wyk. The risk of exposing the underbelly of stories linked to VBS, the ANC and the EFF doesn’t make life comfortable, but she has never hidden from the responsibility of bringing justice to the fore. Can journalism survive in its current model? Pauli gives her thoughts. A self-confessed "real African", and clearly a tremendous mind, the MBA at Henley is the next chapter in what is sure to be an evolution into something amazing which will help her continue to lead the fight for the marginalised citizens of South Africa. Henley Business School

Is it possible to plan your financial future while also doing good for the community and environment? In this episode Gareth Cliff looks at social impact investing to help you learn more about Section 12J. For this information-filled segment, he is joined by Malcolm Segal, Non-Executive Director for Grovest Corporate Advisory and the Director for Mdluli Safari Lodge Limited. Grovest

It takes a multi-talented leader, innovative businessperson and expert in curriculum design to direct Henley Business School South Africa, part of the University of Reading. Gareth gets to find out all about what makes the Dean and Director, Jonathan Foster-Pedley tick! He’s the perfect person to continue setting the scene on how Henley is leading transformation. Henley Business School

Barry van Zyl, drummer extraordinaire, is a Henley MBA graduate - he shares with us why he feels it has changed how he does business, even in his music dealings. He’s optimistic about the future of the music industry and can’t wait for the future. The MBA has taught him just enough to not have anyone sell him short in any industry. Barry also talks about his love for music returning. A living legend and yet so humble, he is one of South Africa’s greatest musical exports and his journey is not done yet! Henley Business School

Business dynamo Melody Xaba broaches the ideas of the 4th Industrial Revolution and AI with eloquence and energy. As long as you are thinking, you are in the game. As long as you are thinking it means you can become adaptable to the great change we are seeing in business today. Innovation must also happen in how we think about job creation, it’s the only thing that will save us. In order to be employable, be adaptable! Henley Business School

Comedian John Vlismas is well known for his outspoken and observational humour. He was awarded the Henley’s Creative and Music Industries MBA scholarship from Henley Business School for his contribution to the arts and creative industries. His ability to understand and comment on political, social and economic affairs has earned him a broad fan base and growing corporate client base, as well as invitations to perform in England, Germany, Canada, Ireland, Australia, Botswana, Namibia and Zimbabwe. Gareth Cliff speaks to him about how the MBA course has influenced the way he thinks about the nature of truth, the joys of lecturing and more. Brought to you by Henley Business School. Henley Business School

Dele Kuti, Standard Bank’s Global Head for Oil & Gas, Client Coverage spoke to Moneyweb editor Ryk van Niekerk about the opportunities in the oil and gas sector in Africa, and how the energy transition is driving the development of the sector.

Whether you’re interested in setting up, or looking for someone to finance or administer your venture capital company (VCC), MeTTa Capital Fund Manager Darryn Faulds breaks down the next generation of Section 12J investments. Find out about some of the misconceptions of Section 12J investments, the importance of diversifying your Section 12J investments, and so much more in this conversation. Grovest

The African Continental Free Trade Agreement (AfCFTA) has moved from being a pipe dream to a reality. The AfCFTA will enable the free flow of goods and services across Africa. Standard Bank’s Head of Trade and Project Management, Kevin Holmes, speaks to Moneyweb Editor, Ryk van Niekerk, on the challenges in implementing the African Free Trade Area and the need for government and the private sector to work together to unlock the opportunities this brings.

Which industries do the Section 12J deal with, and what type of businesses are you not able to invest in? Have you ever heard of impact investing? Learn about how you can do this with Grovest on this edition of the Section 12J show. Grovest

We take a look at the steady increase of the value of gold against other mainstream investment instruments. Have you ever wondered how you can sell and buy your gold? How to pay people in gold and your other questions are answered in this final episode. Troy Gold

We learn the story behind the name Troy Gold and find all about their app, as well as its innovative liquid features. If you would like to redeem your gold and keep it in your possession, Troy Gold now facilitates this process in a safe and easy way. You could one day be able to manage your financial affairs in gold. Find out more about their long term plans. Troy Gold