A Fin24 user who was forced into early retirement is struggling to pay credit card debt amounting to over R109 000. An expert responds.

A Fin24 user urgently seeks guidance on how to pay off debt owing to the amount of R82 000. An expert responds with workable solutions.

WELL, I don't know about you but my central heating has already been on twice in September and although I don't need much of an excuse to delve into the big heavy reds, two heating days is my current one.

RIESLING is perhaps the most famous, unappreciated, abused and generally misunderstood wine of all time and it’s probably also the one most of us cut our teeth on many years ago.

OK, most of us will never be able to enjoy the first growths from Bordeaux, but you don't have to spend a grand on a bottle to realise that when it comes to cabernet and merlot blends, Bordeaux is still the region to beat.

Quiet, crisp and clear winter days are perfect for exploring Scotland’s most spectacular coast and countryside scenery – especially with the promise of a wholesome, heart-warming meal and a cosy room after a day exploring. While Munro-bagging at this time of year might be a little too ambitious, Scotland has no shortage of shorter and more gentle winter walks, all within a stone’s throw of some of Scotland’s best foodie destinations. Here is a selection of Scotland’s top 10 winter walk

Nearly four years on from the day when Ellie Harrison's chips caused a national outcry, the artist is back to tell us more about why she did it – and how she survived that year in Glasgow in the media firing-line

"I'M hungry."

Try to make sense of this if you can. The other day, a fund-raising event for the Democratic presidential candidate Pete Buttigieg, who is gay, was disrupted by protesters. But they weren’t the kind of protesters you’d expect to get angry about a gay candidate. The protesters were gay themselves. It was a protest against a gay man staged by gays. It was gays against gays. It was pink on pink. It was confusing.

IT is a truth universally acknowledged – at least by its advocates – that all things inexorably advance the cause of independence.

The Importance of Being Earnest

Need a virtual assistant that can work between your PC and mobile device? Cortana can handle your questions and requests on iOS, Android, and Windows 10.

Your iPhone may be well protected against malware, but it can't protect your data as it travels the internet. Installing one of the best iPhone VPN apps can keep your information safe and private, even when you're connected to the web through an insecure Wi-Fi hotspot.

With more than 2 million titles available in the App Store, it's tough choosing which ones to install. We help you decide with our top app picks in a dozen key categories.

Andy Lowndes, music detective for dementia charity Playlist for Life

GREAT news. I think. Glasgow is a great place in which to be looking for love, with 44 per cent of the city single, according to an online dating company.Why does this matter? Flash back to Valentine’s Day. There I was, lying in a pool of poetical blood, having been shot in the heart with the killer question no single man over a certain age wants to hear: “How many Valentine’s cards did you get?” asked a friend.

Ryanair has said it expects up to 3,000 jobs to be lost as part of a restructuring of the airline.

IT’S not everyone who’s given the chance to design their own tartan so when the opportunity arose, Vixy Rae didn’t need to give it a second thought.

Alan Scott, creative director at Johnstons of Elgin

Beth Pearson, author of The Coorie Home

Ingrid Newkirk isn’t sure exactly how many times she has been arrested. “Definitely a few dozen,” she’ll say, if you ask. I’ve just done exactly that, so right now the British-born founder of People for the Ethical Treatment of Animals (PETA) is running me through a sort of greatest hits of her law-baiting exploits and the jailtime they have brought her in the name of animal rights.

The Reserve Bank bought R11.4 billion worth of government bonds from the secondary market during April, as part of its measures to introduce liquidity to the market.

Australia's central bank has predicted that the country is facing its biggest economic contraction on record.

Once the coronavirus pandemic is over, the tourism industry will probably find that older, more affluent travellers are more hesitant to do so.

It’s been a nerve-wracking few years for the traditional auto industry. One Silicon Valley VC firm speculates on its future in an interview with Bloomberg.

The Black Business Council stood by Minister of Tourism Mmamoloko Kubayi-Ngubane and South Africa's Broad-Based Black Economic Empowerment policy.

OM EAST - Just before Easter 2010, the Hitchings travelled to Serbia with Simon (OM EAST) to deliver 1200 copies of "My First Bible" in Arli to the Arli church...

OM sees God working in the lives of a few of the thousands of asylum seekers in Austria.

OM EAST and a local partner prepare to send copies of the Right Choices Bible to the Nenets tribe on the Yamal Peninsula.

OM EAST, in partnership with OM Bosnia, is getting ready for their annual Schoolbags Project in north-west Bosnia-Herzegovina this summer.

A Crimean Tatar man shares how he gained courage and learnt vital truths through reading Into the Den of the Infidels, produced by OM EAST.

OM EAST produces a new booklet that brings a message of hope to women working in prostitution.

OM sees spiritual breakthrough when the University of Music and Performing Arts hosts an evangelistic concert – something not thought possible a few years ago.

OM EAST responds to the need for Christian books in the Georgian language.

OM EAST develop new booklet for red light ministries.

OM EAST helps bring God’s truth to a people who believe they are cursed.

OM EAST shares about a significant event in the Georgian church: OM EAST’s publication of the Right Choices Bible.

Graphic designers, translators and distributors from 130 organisations meet to develop media for minority languages in Eurasia.

On 26 June, students from Austria Training Centre’s first year completed training in church planting, evangelism and discipleship.

One team member's impressions from the 2015 Salamu Aleikum outreach to Muslim tourists in Zell am See.

Crisis turns into blessing as a local church reaches out to refugees arriving in Europe.

THE LTA has today announced a multi-million pound package of additional funding and measures to support those involved in tennis in Britain through the impact of the ongoing COVID-19 crisis.

SIR Andy Murray has sent a heartfelt message to NHS staff for their heroic work during the coronavirus crisis.

ANDY MURRAY will swap a tennis racket for a games controller when he takes part in a virtual Madrid Open later this month.

Andy Murray does not think getting the professional tennis circuit back up and running should be a priority any time soon.

Willi Hink from the German Football Association tells us how the FIFA Women's World Cup will boost girls' football in Germany.

Find out about the festival of football that has proceeded the UEFA Champions League final every year since 2006.

We find out how football is offering hope for the homeless.

We discover the grassroots impact of co-hosting UEFA EURO 2012 for Poland.

THE first cap is the sweetest. For hockey player Alan Forsyth it came on October 19, 2015: Great Britain versus Argentina at Bisham Abbey. He scored on his debut, too, teed up by fellow Scot Chris Grassick after 28 minutes.