This is my blog where I jot down my thoughts about things that are going on.

I am at www.krutham.com which is a research-led consulting firm with people in Joburg, Cape Town, London and Boston. We aim to make the world a better place by providing research on financial markets to clients.

I was previously at National Treasury, where I did a bunch of things including write budget speeches for Tito Mboweni and financial sector reform. I then looked after the Western Cape provincial budget. Nowadays, I live between Cape Town and Joburg.

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Random thoughts, mainly on economics and policy, plus links to great sites. I am South African CEO of www.krutham.com a research-led consulting firm with offices in Johannesburg, Cape Town, London and Boston.

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Roy Havemann

@havemania

Roy was chief director of financial markets at the National Treasury and speechwriter to Tito Mboweni. He has a PhD in Economics from Stellenbosch University. He writes in his personal capacity.