Category Archives: General

Personal Income Tax Returns: Know The Basics

Under Ghana tax laws, you must file a personal income tax return for each year of assessment. A year of assessment is the tax year in which you make the income. Read on to understand what a personal income tax return is, and what goes in, so you file personal income tax returns that are […]

Who Will Tax Your Income?

Are you a foreign national working in a country other than your home country? Or, you are a Ghanaian national, but you earn income outside Ghana. Who will tax your income? It depends on your tax residence. Your tax residence settles which countries can tax you. BASIS OF TAXATION If you are resident in Ghana […]


I made a profit but where did the cash go? This is the surprised reaction when you make a profit but have no cash to show for it. You pay bills with cash and not profit. So, whilst you’ve made a profit, you may not pay your bills on time and your business struggles. Why […]

What I learned from 10 years of building SCG Chartered Accountants – Part Two

This is part two of an article about what I have learned from 10 years of building SCG Chartered Accountants in Ghana. Read part one here. In this article, I discuss a few more lessons I’ve learned over the years. 1. Learn to say ‘no’ and focus A startup is often cash strapped and struggling […]

What I learned from 10 years of building SCG Chartered Accountants – Part One

SCG Chartered Accountants (SCG) is not my first venture into self-employment. That was SCG Consulting, which focused on implementing and supporting Pastel accounting and payroll as its primary business. We made a bet back then that technology was the future! We were accountants, and setting up an accounting firm would have been natural. That’s what […]

Free public Wi-Fi is convenient – but did you know it’s risky?

We’re using our mobile phones, tablets, and computers for entertainment, knowledge and to run our businesses. To use these devices on-the-go, anywhere, anytime, we also need access to the internet. In short, we need Wi-Fi wherever we are. Our need for Wi-Fi makes those free Wi-Fi connections in a public space a convenience we simply […]

A Simple Framework for thinking about your business

People often ask me, “how do you see the year going? Will it be a good year or a bad year?” I respond with a shrug and say, “Whether it’s a good year or a bad year for everyone else, we’ll make it a great one for us.” This is the message I gave my […]

How to get a SSNIT Clearance certificate

What is a SSNIT Clearance Certificate? A SSNIT Clearance Certificate (SCC) confirms you met your all SSNIT obligations on the date of issue. The Social Security and National Insurance Trust (SSNIT) issues these certificates. When do you need a SSNIT Clearance Certificate? ● To bid for contracts from the ministries, departments, agencies and other government […]

The Expatriate And Ghana Pension Law – Frequently Asked Questions

Q1. What is the national pension scheme in Ghana? A: The National Pension Scheme is a 3-tier scheme created under the National Pensions Act 2008, Act 766. The tiers are: ● Tier 1 – the first tier is the Basic National Social Security Scheme for all workers in Ghana. It is a defined contribution scheme. […]

How to protect yourself against computer viruses

It has never been more important to guard your business against the threat of computer viruses. In fact, in 2017 alone, a new type of malware emerged every 4.2 SECONDS. What is a computer virus? In short, it’s a malicious software that can damage or disable computer systems or your phone or tablet. It can […]