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    <loc>https://mindes.co.za/news</loc>
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    <lastmod>2026-03-26</lastmod>
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    <loc>https://mindes.co.za/news/buying-a-house-what-costs-will-you-pay-and-when</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-26</lastmod>
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      <image:title>News - Buying a House: What Costs Will You Pay, and When? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/director-delinquency-declarations-managing-your-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-26</lastmod>
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      <image:title>News - Director Delinquency Declarations: Managing Your Risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/considering-using-sequestration-to-recover-levies-think-again</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/cd0c3d33-7747-48ec-8a29-98df10601efc/LDN_Considering+Using+Sequestration_650x300.png</image:loc>
      <image:title>News - Considering Using Sequestration to Recover Levies? Think Again - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://mindes.co.za/news/u223k64gxtasyw08fjbfmozxav2ib8</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-26</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/1774536658349-4NPDWO17JJHNRF42Q12P/LDN_Beyond+Your+Will_650x300.png</image:loc>
      <image:title>News - Beyond Your Will: Leaving a Legacy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/budget-2026-how-much-will-the-increased-cgt-primary-residence-exclusion-save-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/aea15be8-6c1f-418d-937f-c50e5e10a706/Budget+Article_LDN_1920x1080.png</image:loc>
      <image:title>News - Budget 2026: How Much Will the Increased CGT Primary Residence Exclusion Save You? - “We are also proposing additional tax measures to ease the financial burden on households and businesses, by adjusting personal income tax brackets and rebates fully in line with inflation.” (Minister of Finance Enoch Godongwana)</image:title>
      <image:caption>How much will I save if I sell my house?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/your-new-cars-a-lemon-heres-how-to-make-lemonade-and-get-your-money-back</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/d7aaadf5-332e-4b48-bf26-69fd7af78bb6/Your+New+Car%27s+a+Lemon+1920x1080.png</image:loc>
      <image:title>News - Your New Car’s a Lemon: Here’s How to Make Lemonade and Get Your Money Back - “Lemon law, noun – a law that states that you can return a motor vehicle to get it repaired or your money back if the vehicle is no good.” (Oxford Learner’s Dictionaries)</image:title>
      <image:caption>The car you just bought on instalment sale turns out to be a complete lemon. But when you return it to the dealership and cancel the sale, the bank still enforces the finance agreement and sues you for damages. “Sorry to hear about the defects,” says the bank. “But that’s not our problem. We weren’t the supplier; we just financed the transaction. Your claim is against the dealership. You’re still bound by the instalment sale agreement and must cover our losses.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/choose-your-conveyancer-with-care-a-cautionary-tale-of-fraud-unravels-all</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/e4e4211a-a05c-4974-b6e2-dccdd8b7c375/Choose+your+conveyancer+with+care+1920+x+1080.png</image:loc>
      <image:title>News - Choose Your Conveyancer with Care! A Cautionary Tale of “Fraud Unravels All” - “Fraud unravels property transactions even where innocent third parties are involved.” (Extract from judgment)</image:title>
      <image:caption>Congratulations, you’re the proud new owner of your dream home! Your name’s on the title deeds, and your ownership is registered in the Deeds Office. That’s conclusive proof that the house is yours, right? Regrettably, this isn’t always the case…</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/effective-1-march-2026-new-national-minimum-wage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/704b985a-068b-4bbe-9d0f-c64f19f5e2ef/New+National+Minimum+Wage+1920x1080.png</image:loc>
      <image:title>News - Effective 1 March 2026: New National Minimum Wage - The National Minimum Wage (NMW) for each “ordinary hour worked” has been increased from 1 March 2026 by 5% from R28,79 per hour to R30,23 per hour.</image:title>
      <image:caption>Domestic workers: Assuming a work month of 22 days x 8 hours per day, R30,23 per hour equates to R241,84 per day or R5320,48 per month. Of course, this is just the bare legal minimum. The Living Wage calculator will help you check whether you are actually paying enough to cover a household’s “minimal need” (adjust the “Assumptions” in the calculator to ensure that the figures used are up-to-date). Disclaimer: The information provided herein should not be used or relied on as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact us for specific and detailed advice. © LawDotNews</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/love-and-the-law-cohabiting-get-your-house-in-order-now</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/5527aaf7-a75b-4196-b00a-edaa6cc9500e/ed4f94ea-9bbf-4101-8e4e-c7b5b16a71ad.png</image:loc>
      <image:title>News - Love and the Law: Cohabiting? Get Your House in Order Now - “All you need is love… and a good lawyer.” (Anonymous)</image:title>
      <image:caption>February, with its Valentine’s Day chocolates, roses and declarations of undying love, should be a month for romance, not legal niceties. But in the real world, love and the law are inextricably linked because any relationship’s structure and consequences are inevitably governed by legal principles. Losing sight of that can expose you to unnecessary angst, dispute, and litigation.</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/how-to-protect-your-business-brand-from-copycats</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/e886200c-121d-4c37-9aa6-082d8f55f2f8/b3ec9978-6c13-4039-b9e8-063b3e6371e1.png</image:loc>
      <image:title>News - How to Protect Your Business’ Brand from Copycats - “You know you’re winning when you’re being copied.” (Robin Sharma, author of The Monk Who Sold His Ferrari)</image:title>
      <image:caption>Whether your business is brand new or well established, you need to protect your trading, product and service names from being unlawfully copied. Often your names (and associated logos and other branding) are essential elements in your business’ goodwill and profitability. It can be disastrous if competitors adopt similar branding in order to confuse customers and divert business away from you.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/parking-disputes-and-the-reasonable-neighbour-test</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/f02a1689-ec65-4127-9f9d-765e1726a47a/a947e276-82c8-44f0-9b60-df55fffeee66.png</image:loc>
      <image:title>News - Parking Disputes and the “Reasonable Neighbour” Test - “Wouldn’t it be nice to get on with me neighbours?” (from “Lazy Sunday” by  Small Faces)</image:title>
      <image:caption>Maintaining friendly relations with the neighbours, or at least an “I’ll ignore you if you ignore me” sort of neutrality, has probably been a primary aim of homeowners since the dawn of history. No doubt even our cave dwelling ancestors were as keen to get on with the Joneses next door as they were to keep up with them. But as we all know, it’s not always easy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/workplace-sexual-harassment-its-the-victims-perspective-that-counts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/43e635f3-3d28-478b-b46e-db3a7b5cc224/9c1137ac-8d0d-431b-980b-434a7cad8b28.png</image:loc>
      <image:title>News - Workplace Sexual Harassment: It’s the Victim’s Perspective That Counts - “Sexual harassment is the most heinous conduct that plagues the workplace.” (Extract from the judgment below)</image:title>
      <image:caption>Our courts have no tolerance for sexual harassment in the workplace, stressing that, at its core, it is concerned with power dynamics at work. A recent Labour Court decision has confirmed that in assessing whether or not an employee is guilty of such harassment, it is the victim’s perspective that must lie at the heart of the enquiry. Victims will take heart from this decision, while employers and other employees should understand clearly the dangers of not heeding it.</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/za72ppn0l0ndkw639feblq3tb374ai</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/f877e26f-ef8e-4253-8de4-c67413ce4b54/072f8075-c1dd-4214-a4a5-f8119cff9561.png</image:loc>
      <image:title>News - Your Top 10 (Legal) New Year’s Resolutions for 2026 - “My New Year’s resolution is to stop procrastinating. I’ll start tomorrow.” (Anonymous)</image:title>
      <image:caption>Most New Year’s resolutions are vague, unwritten, and destined to be forgotten in the first week of January’s hustle and bustle. But please don’t neglect this Top Ten list of legal issues that we’ve put together for you. Focus on those that are important to you, taking a few minutes to write down exactly what action you’ll take under each heading. Then set and diarise realistic deadlines to address each item:</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/property-sales-and-side-deals-verbal-agreements-dont-cut-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/1d682ad1-fc39-46bb-8a36-58aa07f0a8d0/e50e0705-a453-4bcc-a907-f4e1b08a9240.png</image:loc>
      <image:title>News - Property Sales and Side Deals: Verbal Agreements Don’t Cut it! - “With a verbal agreement you have nothing but air.” (Author and entrepreneur Robert Ringer)</image:title>
      <image:caption>2026 opens with positive signals for our property market after last year’s encouraging GDP forecasts, a credit-rating upgrade, and a series of interest rate cuts boosting access to bond finance.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/electronic-wills-arent-valid-stick-to-pen-and-paper</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/bb545aca-c20d-44c1-b04b-85eb77011dca/c2ff1e6b-5fad-44e1-ac5e-c7ce5e2c8ab6.png</image:loc>
      <image:title>News - Electronic Wills Aren’t Valid: Stick to Pen and Paper - “Let's choose executors and talk of wills.” (William Shakespeare in Richard II)</image:title>
      <image:caption>You may have read one of the many online articles about an electronic will being validated recently by the High Court. Don’t be misled into thinking that electronic wills are now valid as a matter of course – they most certainly are not. Unless and until our Wills Act is updated to say otherwise, not leaving a written and signed will complying with all the Act’s formalities exposes your grieving loved ones to the risk of a hard-fought court battle at the worst possible time.</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/how-to-fund-your-divorce-if-your-spouse-can-outlitigate-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/340919fe-6b45-4b03-bce4-5ae0ec0d14eb/fe0fbc86-7ff6-4b42-ab63-15473446f2cc.png</image:loc>
      <image:title>News - How to Fund Your Divorce if Your Spouse Can Outlitigate You - “For what is wedlock forced but a hell, An age of discord and continual strife?” (William Shakespeare in Henry VI Part I)</image:title>
      <image:caption>This article is a balm for anyone unfortunate enough to be stuck in an unhappy marriage full of Shakespeare’s “discord and continual strife”, yet too scared to consider divorce because of the costs. An uncontested divorce in which you agree on everything need not cost much, but it’s a very different story if you know that your spouse will fight you to the bitter end.</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/can-you-airbnb-your-house-or-apartment-in-a-residential-complex</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/2e9788be-6c21-4781-9aed-1b3994c5d0cd/Air+Bnb+1920+x+1080.png</image:loc>
      <image:title>News - Can You Airbnb Your House or Apartment in a Residential Complex? - “Landlords grow rich in their sleep.” (John Stuart Mill, economist)</image:title>
      <image:caption>If you are thinking of buying (or already own) a house or apartment in a residential complex with the idea of renting it out as an Airbnb (whether permanently or on an “I can make a fortune this Christmas” basis), tread carefully. A recent High Court decision has signalled confirmation that your body corporate or homeowners’ association (HOA) can, within limits, regulate your right to do so.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/prescription-procrastination-and-personal-liability-for-corporate-debts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/0a2fe66a-553a-44c0-b38a-1d8f2321be83/Sue_1920x1080.jpg</image:loc>
      <image:title>News - Prescription, Procrastination, and Personal Liability for Corporate Debts - “I have heard that in war, haste can be folly, but have never seen delay that was wise.” (Sun Tzu, The Art of War)</image:title>
      <image:caption>Collecting debt from a recalcitrant debtor can feel very much like going to war, particularly if you have to slog through the trenches of a series of increasingly costly court battles. Which is where Sun Tzu’s warning against delay comes into play, because not starting collection in time could defeat your claim entirely. The reason of course is that debts – with only a few exceptions – prescribe (become unenforceable) after three years. Although that sounds like a long time, it can race by all too quickly!</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/alcohol-at-work-the-cough-mixture-defence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/e47fdfd9-3899-469c-a9cd-708324872eca/Alcohol+1920+x+1080.png</image:loc>
      <image:title>News - Alcohol at Work: The Cough Mixture Defence - “The employer shall ensure, as far as is reasonably practicable, that all persons who may be directly affected by his activities are not thereby exposed to hazards to their health or safety.” (Occupational Health and Safety Act)</image:title>
      <image:caption>The season of goodwill, holidays, celebrations, and year-end functions is upon us once again. And with it comes a timely reminder to employers that, while their “zero tolerance” alcohol-at-work policies may be key to maintaining health and safety in the workplace, they have their limits when it comes to disciplining offenders.</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/the-aarto-national-rollout-has-been-delayed-but-beware-of-nbspscams</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/0e87a491-af03-41d6-ae35-694a95cf3e5b/aarto-scam_1920x1080.png</image:loc>
      <image:title>News - The AARTO National Rollout has Been Delayed – But Beware of &amp;nbsp;Scams! - “South African drivers, beware! Scammers are issuing fake traffic fines to catch you off guard! Always use AARTO approved collecting agents for your payments.” (Road Traffic Infringement Agency)</image:title>
      <image:caption>The national rollout of AARTO has again been postponed, this time to July 2026. Speculation is that we now won’t see the demerit system implemented before the middle of 2027, but both dates remain provisional until gazetted. None of this should stop us from sharing with our families, friends, colleagues and staff this warning: Scammers don’t care about the delayed rollout date, they’re too busy stealing from harried motorists.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/selling-your-house-this-summer-get-your-ducks-in-a-row-with-this-checklist</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/f45c4d35-d197-49a2-a13d-15390fa947b2/13581a9d-4680-4be3-8868-8c5f970cf052.png</image:loc>
      <image:title>News - Selling Your House This Summer? Get Your Ducks in a Row With This Checklist - “In the summertime, when the weather is high, you can stretch right up and touch the sky.” (Mungo Jerry)</image:title>
      <image:caption>Summer’s here with its blue skies, happy holidaymakers from around the country and the world, and, as always, an upsurge in demand for houses. If you’re going to capitalise on this seasonal upswing, start planning your sales strategy now with our simple, practical Seller’s Checklist below.</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/parental-leave-out-with-the-old-in-with-the-new</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/a664106d-432a-4cf7-883d-fefa21d676a8/23bfbf5f-705e-4f15-b980-bf67937fd0ca.png</image:loc>
      <image:title>News - Parental Leave: Out With the Old, in With the New - “Raising kids is part joy and part guerilla warfare.” (Ed Asner, actor with a great sense of humour!)</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the differenaA game-changing judgment from our Constitutional Court sets out new rules for parental leave.ce.</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/wedding-bells-you-can-both-choose-your-own-surnames-now</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/be6ccc58-77d3-4337-9f17-73749541dcd3/4b01eb50-215b-41a1-9fc9-ba0212aaf996.png</image:loc>
      <image:title>News - Wedding Bells? You Can Both Choose Your Own Surnames Now - “A family name holds the music of generations – it’s the first inheritance we receive.” (Attributed to Irish poet-philosopher John O’Donohue)</image:title>
      <image:caption>The Constitutional Court has just confirmed (with some significant adjustments) last year’s High Court ruling that both partners in a marriage have equal rights to choose their surname.</image:caption>
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  </url>
  <url>
    <loc>https://mindes.co.za/news/as-1-december-looms-heres-what-aarto-means-for-motorists-and-employers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/53fb6ee1-71e6-451c-94ca-a22ea9f98212/44d5493e-9720-4e3d-9078-feca6f03aa12.png</image:loc>
      <image:title>News - As 1 December Looms, Here’s What AARTO Means for Motorists and Employers - “Forewarned is forearmed.” (Wise old proverb)</image:title>
      <image:caption>Government keeps assuring us that the long-delayed AARTO (Administrative Adjudication of Road Traffic Offences) system will finally begin its full national rollout on 1 December 2025.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/the-transfer-process-in-a-nutshell</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/1efb0667-6a5f-4ad7-9ef4-6b0ce760121d/Transfer-Process_650x300.png</image:loc>
      <image:title>News - The Transfer Process in a Nutshell - “Don’t wait to buy real estate. Buy real estate and wait.” (Will Rogers)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/0dc42110-6831-4a3a-8c27-4ef7eb268463/LDN+-+Transfer+Process+-+ENG+-+F+%281%29.png</image:loc>
      <image:title>News - The Transfer Process in a Nutshell - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/when-liquidation-is-inevitable-a-bad-faith-business-rescue-application-backfires</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/05c0c2b5-84ad-4345-aca5-c2754de0e110/Liquidation_Inevitable_650.jpg</image:loc>
      <image:title>News - When Liquidation is Inevitable: A Bad Faith Business Rescue Application Backfires - "If you're flogging a dead horse, make sure you're not riding it." (Josh Stern)</image:title>
      <image:caption>Creditors and company directors alike need to know how best to deal with a company in financial distress. Both should learn to recognise the difference between an enterprise that has failed beyond resuscitation, and one that, given a chance, can be returned to solvency and success.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/divorce-lawfare-the-serial-litigant-and-his-stalingrad-strategy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/0a3c1c8d-222c-4cc8-ae55-717b486be117/Divorce_Lawfare_650.jpg</image:loc>
      <image:title>News - Divorce Lawfare: The Serial Litigant and his Stalingrad Strategy - "This [the Stalingrad Strategy] is a strategy of wearing down the plaintiff by tenaciously fighting anything the plaintiff presents by whatever means possible and appealing every ruling favourable to the plaintiff. Here, the defendant does not present a meritorious case. This tactic or strategy is named for the Russian city besieged by the Germans in World War II." (Judges Matter website)</image:title>
      <image:caption>Divorce disputes are of course intensely personal and emotionally charged affairs — and when feelings run high the resultant fallout can mean protracted, bitter, and costly litigation.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/dont-let-cybercriminals-haunt-you-this-halloween-verify-verify-verify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/1758811729732-MUPRQYITB5PXZMPS2X5T/CyberCriminals_650x300.png</image:loc>
      <image:title>News - Don’t Let Cybercriminals Haunt You this Halloween — Verify, Verify, Verify! - “If you suspect deceit, hit delete!” (Online cybersecurity slogan)</image:title>
      <image:caption>October is Cybersecurity Awareness Month, a good time to note that as cybercrime continues to grow, more and more businesses and individuals are falling victim to the dreaded “BEC” or “Business Email Compromise” fraud.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/excuses-excuses-why-people-dont-make-wills-and-why-you-must</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/ceb6d4db-34c7-4a5d-b676-fc96a0c8a8b2/Will_650.jpg</image:loc>
      <image:title>News - Excuses, Excuses: Why People Don’t Make Wills, And Why You Must - “All that lives must die, passing through nature to eternity.” (William Shakespeare, in Hamlet)</image:title>
      <image:caption>Master’s Office records suggest that less than a third of us leave behind a will when we die. That’s astonishing, given the fact that death is one of the few absolute certainties in our lives.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/a0580280-a42b-4055-ae8f-84a5e1a864b9/LDN+-+Excuses+Table++-+Final+%281%29.png</image:loc>
      <image:title>News - Excuses, Excuses: Why People Don’t Make Wills, And Why You Must - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/panhandle-access-to-properties-the-mistakes-to-avoid</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/dcae504f-a8e6-4776-93a6-138b0b0bc802/pan-handle_650.jpg</image:loc>
      <image:title>News - Panhandle Access to Properties – The Mistakes to Avoid - “You aren’t buying a house, you’re buying a lifestyle.” (Anon)</image:title>
      <image:caption>As more and more residential properties are subdivided and developed, an increasing number of homes are effectively cut off from direct access to the nearest public street or road.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/neighbours-facebook-feud-cats-pics-karens-amp-keyboard-muppets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/a6b1e608-ca79-400d-ade0-9e3de4ab1bca/Karen_650.jpg</image:loc>
      <image:title>News - Neighbours’ Facebook Feud: Cats Pics, Karens &amp;amp; Keyboard Muppets - "Dance like no one is watching, but text, post, and email like it will be read in court one day." (Anon)</image:title>
      <image:caption>When can the target of rude comments and insults on a community Facebook group sue? The High Court recently grappled with a community debate over free-roaming jackals that turned sour.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/honesty-at-work-a-50c-coin-costs-a-bank-teller-her-job</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/acd0e66b-82a1-4865-ab05-d76b0f01bd7b/honesty-at-work_650.jpg</image:loc>
      <image:title>News - Honesty at Work: A 50c Coin Costs a Bank Teller Her Job - “There's no trust, no faith, no honesty in men.” (William Shakespeare, in Romeo and Juliet)</image:title>
      <image:caption>A recent Labour Court decision is a stark reminder to employees that an employment relationship is founded on trust, and that any breach of that trust could justify dismissal.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/your-house-burns-to-the-ground-can-you-hold-the-seller-liable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/21df5a82-7d4b-4e6b-9264-8c7453e5a172/cee310b6-f941-40e7-9d39-d1acc5af95e3.jpg</image:loc>
      <image:title>News - Your House Burns to the Ground: Can You Hold the Seller Liable? - “Time shall unfold what plighted cunning hides.” (William Shakespeare, in King Lear)</image:title>
      <image:caption>A recent High Court judgment confirms, yet again, that if a property seller knows about a hidden defect and keeps it quiet, no exemption clause will save them.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/divorce-101-a-simple-guide-to-the-legal-side</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/eac6c271-ba78-4657-a866-e6f98d3499d1/1dc78410-9316-40ef-ac51-d799b462e15e.jpg</image:loc>
      <image:title>News - Divorce 101: A Simple Guide to the Legal Side - “You can't go back and change the beginning, but you can start where you are and change the ending.” (C.S. Lewis)</image:title>
      <image:caption>Divorce is traumatic, to the extent that it’s widely considered to be the second most stressful life event (behind only the death of a spouse, and ahead of marital separation and going to jail!).</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/what-can-you-do-when-a-director-deadlock-is-killing-your-company</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/a3803f86-91a0-4f47-862d-2ab3c13838a5/314c0da1-ef9e-4f44-8ebf-857b731d9cf5.jpg</image:loc>
      <image:title>News - What Can You do When a Director Deadlock is Killing Your Company? - “Diplomats operate through deadlock, which is the way by which two sides can test each other's determination.” (Henry Kissinger)</image:title>
      <image:caption>Running a business with a partner can work brilliantly – until it doesn’t. When co-directors or shareholders fall out and can no longer see eye to eye, the company can grind to a halt, meaning everyone loses.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/td6y42rxjldrezzf55ru3azpc2ftoh</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/89a21d50-95e4-4a95-8bbb-0d5b9726fb6c/842a8992-fbfb-444e-a5fb-294b7dc3d634.jpg</image:loc>
      <image:title>News - Hamburger From Hell Takes a Bite out of Restaurant’s Profits &amp;amp; Reputation - “You must take reasonable care to avoid acts or omissions which you can reasonably foresee would be likely to injure your neighbour.” (Lord Atkin in the groundbreaking 1932 House of Lords decision that found a soft drink manufacturer liable for a consumer’s shock and illness after she discovered a decomposed snail in the remains of her ginger beer.)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/private-prosecution-neighbours-at-war</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/efdc4a98-b83b-4a4d-8ae2-bb4a8f03cd5e/c589807e-8d05-4749-adca-d6ecd820c723.png</image:loc>
      <image:title>News - Private Prosecution: Neighbours at War - “I charge you by the law.” (William Shakespeare in The Merchant of Venice)</image:title>
      <image:caption>Victims of crime are entitled to see the perpetrators brought to justice. Feeling that the justice system has failed you can cause significant psychological harm and feelings of victimisation. So, what happens if you believe that you are the victim of a crime, which you duly report to the police – only to be told that the NPA (National Prosecuting Authority) has declined to prosecute? You could of course console yourself with the thought that “well, at least I tried” and walk away unfazed. But if you feel strongly enough about it, you are not without legal remedy – in appropriate cases you could be advised to go the private prosecution route.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/a-bond-clause-deadline-whooshes-by-and-a-sale-dies-can-you-revive-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/92079f0b-aae1-43dc-b2b2-06e937814dd1/cbc2ade3-21dd-4a4d-acee-b73411532285.png</image:loc>
      <image:title>News - A Bond Clause Deadline Whooshes by and a Sale Dies – Can You Revive it? - “I love deadlines. I love the whooshing noise they make as they go by.” (Douglas Adams in The Salmon of Doubt)</image:title>
      <image:caption>Contracts often contain suspensive conditions, a common example being the bond clause in a property sale agreement. The standard bond clause provides that the buyer must obtain a bond by a set deadline, and everyone’s rights and obligations under the agreement are suspended until the bond is granted. If the bond isn’t granted by the deadline, there is no sale. In practice, the buyer often struggles to meet the set deadline and asks for an extension. If that happens to you, be sure to structure the extension correctly and to get it done and dusted before the deadline expires.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/a-thought-for-mandela-month-how-does-ubuntu-impact-your-legal-rights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/fded53b1-bb9e-416d-9b1a-118e1da4e3e1/f6460089-58df-4f1e-b9b3-80fcf5b65b5a.png</image:loc>
      <image:title>News - A Thought for Mandela Month – How Does Ubuntu Impact Your Legal Rights? - “In Africa there is a concept known as ‘ubuntu’ – the profound sense that we are human only through the humanity of others.” (Nelson Mandela)</image:title>
      <image:caption>International Nelson Mandela Day is celebrated worldwide on 18 July every year, but in South Africa the whole of July is Mandela Month. What better time to talk about the concept of “ubuntu”, which emphasises our interconnectedness and interdependence, and embraces values like fairness, compassion, respect and dignity?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/whats-the-normal-retirement-age-its-complicated-as-the-plumbers-tale-proves</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/6a911d99-1ed6-443b-b1f8-5e509ef06f67/94d50b47-a0af-406a-820b-db3337f1666e.png</image:loc>
      <image:title>News - What’s the Normal Retirement Age? It’s Complicated, as The Plumber’s Tale Proves - “When cognitive capacities are the focus, the 70s are the new 50s.” (IMF)</image:title>
      <image:caption>Fake news articles suggesting that South Africa was implementing a new standard retirement age policy, supposedly from 30 May this year, recently went viral on social media. Convincingly structured to look realistic (AI’s dark hand there?), the articles suggested that 65 is the new universal standard retirement age for all employees across all sectors. Complete hogwash.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/a-r425m-warning-to-choose-your-conveyancer-with-care</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/6d9b4111-fed7-4ed9-9830-e17156684bc1/a7d4e2c6-51ba-45b8-951e-95754c3a5d02.jpg</image:loc>
      <image:title>News - A R4.25m Warning to Choose Your Conveyancer With Care - “Trust me, I’m a lawyer.” (Popular T-shirt slogan)</image:title>
      <image:caption>South African property buyers and sellers will have been cheered by news that we are now officially the most affordable country in the world in which to buy a home. We’re only a nose ahead of the USA and Bahrain in this particular race, but it’s great to be a world leader in something so positive for a change. Have a look at BestBrokers’ analysis of house affordability in 62 countries here to see just how unaffordable property is in many other countries around the globe.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/restraint-of-trade-fatal-vagueness-means-no-father-christmas-to-the-rescue</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/9e45b6a8-55c0-4c03-b467-f32dec4e7c34/7825b353-30ef-45b8-ac42-fe6989f01609.jpg</image:loc>
      <image:title>News - Restraint of Trade: Fatal Vagueness Means no Father Christmas to the Rescue - “The legal principles, as I understand them, do not confer on me the powers of Father Christmas. I cannot rescue the un-rescuable.” (Quoted in the judgment below)</image:title>
      <image:caption>We all want loyal, competent staff who remain motivated to stay with us in the long term, but the reality is that a degree of employee churn is always inevitable.  Imagine then this scenario – a key employee (someone senior, a specialist, or perhaps even a partner or director) is fired or leaves you. They take with them intimate knowledge of your business. They know all your trade secrets, your pricing processes, your marketing strategies, and all your trade connections. Plus, they’ve built up client relationships and credibility in your industry while employed by you.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/good-news-for-grandma-the-law-wants-you-to-have-access-to-your-grandchildren</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/e3c2f7be-759c-41f1-b98b-5700ab50a41f/760c4819-87ce-48e2-b8ea-1b1d3b5d1c97.jpg</image:loc>
      <image:title>News - Good News for Grandma: The Law Wants You to Have Access to Your Grandchildren - “Grandparents, like heroes, are as necessary to a child’s growth as vitamins.” (Quoted in the judgment below)</image:title>
      <image:caption>One of the greatest tragedies of family fall-outs will always be the effect they have on the children involved. A recent High Court fight over a granny’s attempts to have contact with her two grandchildren in the face of bitter opposition from their father confirms that what really counts is what’s best for the grandchildren.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/how-to-avoid-fighting-over-the-house-a-guide-for-life-partners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/dff2b1b9-fa34-46bb-94a6-9a89017f97bb/dd4b6f21-47e8-4d4c-b924-5417741f8d81.jpg</image:loc>
      <image:title>News - How to Avoid Fighting Over the House – A Guide for Life Partners - “An ounce of prevention is worth a pound of bandages and adhesive tape.” (Groucho Marx)</image:title>
      <image:caption>It’s a perennial topic of dispute in our courts. A couple lives together, sharing the same roof and everything else in perfect happiness and harmony.  Until it all goes south. Then the gloves come off and, particularly if our erstwhile couple end up dragging each other through the courts, everyone takes a beating. Bloodied, battered and bandaged, they’re going to wish they’d implemented Groucho’s “ounce of prevention” in the first place.  We’ll explain how to keep things amicable. But before we do, let’s consider the case of the life partner who failed to persuade a court to give him a cut of his ex-partner’s house.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/defending-yourself-what-weapons-can-you-legally-carry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/76363ac0-c9e7-41d3-b108-600f392ceaf3/bd05e4af-8692-4d4b-9f61-499a890eca49+%281%29.jpg</image:loc>
      <image:title>News - Defending Yourself: What Weapons Can You Legally Carry? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/from-the-horses-mouth-should-you-use-ai-for-legal-advice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/15c193de-eaa0-41fe-8032-cbf746659c6f/526e6989-e5e3-4f9e-8a17-ece7c19e9250+%281%29.jpg</image:loc>
      <image:title>News - From the Horse’s Mouth: “Should You Use AI for Legal Advice?” - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/mortgage-bond-arrears-can-you-challenge-a-certificate-of-balance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/66c640ccd352bf699c149fb9/bd04b565-4890-4aca-b3b5-89d2bf889859/b14c34b7-5c46-467f-b97f-7a3915eaf3f7+%281%29.jpg</image:loc>
      <image:title>News - Mortgage Bond Arrears: Can You Challenge a Certificate of Balance? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://mindes.co.za/news/effective-1-march-2025-new-national-minimum-wage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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