Disclosures Podcast

Tired of watching heavy taxes eat up your monthly salary?

On this episode of the Disclosures Podcast, Bonna is joined by tax expert Emmanuel Anane-Whyte for a masterclass on navigating the Ghanaian tax system. We break down the mechanics of your payslip, demystify Accessible versus Chargeable income, and look at how leveraging SSNIT Tier 1, Tier 2, and Tier 3 voluntary contributions can instantly lower your tax deductions today while securing your retirement tomorrow.

Plus, we walk through the exact personal tax reliefs you need to apply for—including marriage, responsibility, and child education reliefs—to keep your money where it belongs.

Tune in, take notes, and start building a smarter financial future!

• What happens when a seasoned corporate finance manager and internal auditor hangs up his boots and enters the world of entrepreneurship?

In Episode 20 of the Disclosures Podcast, Bonna sits down with Mr. Albert Shardey to explore the hard truths of post-retirement business. Discover how to successfully juggle side hustles during active service, navigate the shock of moving from a structured corporate department to being a one-person show, and implement the non-negotiable internal controls your business needs to outlive its founder.

Tune in for practical, real-world systems and compliance tools designed to turn your hustle into a bankable institution!

In this episode, we react to a viral pitch clip from Lion’s Den where an entrepreneur valued his pre-revenue business at 200 Million Naira (~1.69 Million Ghanaian Cedis / $150,000 USD) after spending four years building a website.

We break down why investors don't buy past effort—they buy future cash flows. Learn the basics of Net Present Value (NPV), the four core approaches to valuing a business at different stages, and how early-stage founders in West Africa can pitch for investment without getting laughed out of the room.

Key Topics Covered:

• Reacting to the Lion’s Den ₦200M pitch disaster

• Time spent vs. Value created (Why a website is a cost, not revenue)

• Step-by-step 3-year Net Present Value (NPV) illustration

• The 4 Valuation Approaches: Income/DCF, Multiples, Asset-Based, and Pre-Revenue Scorecards

• Practical fundraising strategies for early-stage startups (MVPs & SAFE Notes)

Currency Conversions Reference: 1 USD≈1,330.40 NGN | 1 GHS≈118.26 NGN

Can gig work replaced a traditional salary, or does uncalculated spending drain the profits?

In this episode of the Disclosures Podcast, host Nyantakyi Bonna speaks with Ernest Offori about the realities of the gig economy in Accra. Ernest breaks down his transition from graduate teaching to delivering orders on a bicycle, managing high-maintenance motorbikes, navigating "work-and-pay" contracts, and handling financial setbacks along the way.

We discuss:

• The actual weekly earnings vs. hidden operational expenses in delivery work.

• Why financial discipline is the single determining factor of success in gig work.

• Lessons on cutting losses, handling debt, and transitioning between side hustles.

Tune in for an honest breakdown of street-level entrepreneurship and financial structure.

In Part 2 of this Business Clinic, Nyantakyi Bonna and the founder of Astute Educational Institute break down the exact operational and financial controls required to scale a service business.

Learn how enforcing upfront tuition payments, establishing structured receipt systems, and managing tutor recruitment helped the institute expand to 30 students while laying the foundation to become a fully-fledged, ultra-modern school.

Follow the show on Spotify and Apple Podcasts, and subscribe on YouTube for full video episodes!

In Part 1 of this Disclosures Business Clinic, host Nyantakyi Bonna speaks with the founder of Astute Educational Institute about the early operational traps that almost sink small service businesses.

Discover how a center that started with just 3 pupils dealt with chronic payment defaults from parents, unexpected maintenance costs, and the difficult shift from running a compassionate service to maintaining a commercially viable enterprise.

Follow the show on Spotify and Apple Podcasts, and catch the full video on YouTube!

What happens to your business if you step away for 30 days? For most small business owners in Ghana, operations grind to a complete halt.

In this episode of Disclosures, host Nyantakyi Bonna (Chartered Accountant & Auditor with 13+ years of experience) breaks down the structural and financial flaws that keep entrepreneurs trapped in their daily operations.

In this episode, you’ll learn:

• The critical difference between an income-generating hustle and a bankable institution.

• The 4 fatal audit flaws that kill SME continuity in Ghana.

• How to execute the "Separation of Identities" between your personal life and company bank account.

• How to set up a simple "4-Eye Internal Control System" to protect cash and inventory.

• Practical steps to write Standard Operating Procedures (SOPs) for your staff.

Stop running a business that depends entirely on your physical presence. Listen in and learn how to build an enterprise that is bankable, self-sustaining, and built to last.

Follow the show on Spotify and Apple Podcasts, and subscribe on YouTube for full video episodes!

If you built a thriving brand today, could someone else legally claim your business name tomorrow? In Episode 14 of Disclosures Podcast, Bonna breaks down the legal and strategic necessity of business registration.

Examinining Ghana's Registration of Business Names Act, 1962 (Act 151), Bonna explains the concept of a Separate Legal Entity using the analogy of a newborn child's birth certificate. He shares real-world case studies of brand name disputes and provides a practical guide to completing the Registrar General's Department registration forms.

Connect with Disclosures Podcast across social platforms for more transparent discussions on business, accounting, and growth strategies!

Why do internal controls fail even in tech-enabled, system-backed businesses? In Episode 13 of Disclosures Podcast, we examine the operational realities facing small business owners and entrepreneurs.

Using an auditor's framework, we analyze a real-world case study of employee fraud in a sachet water production line, break down the accounting concept of "Segregation of Duties," and discuss why staff collusion neutralizes system controls. We also examine the ethical and financial choices employees face when dissatisfied with their compensation.

Connect with Disclosures Podcast across social platforms for more discussions on business, finance, and accounting dynamics.

From hawking rechargeable lamps on the streets of Mankessim to building a thriving barbering business in Tema, Asare joins Disclosures Podcast to share his story of survival, strategy, and business ownership.

In this episode, we uncover:

- How Asare converted low daily commissions into saved capital in an expensive city like Tema.

- Customer relationship tactics: Staying late, capturing contact details, and follow-up habits.

- Essential financial lessons learned from former employers, including planning for electricity and operational reserves.

- The triggers that pushed him to start his own setup.

- Graduate unemployment in Ghana and the growing movement of degree holders entering skilled trades.

- Step-by-step guidance for anyone wanting to learn and build a trade business from scratch.

Follow Disclosures Podcast on your favorite listening platform and leave us a review!