Your life's second chapter is a chance to create your best life. This cannot be left to chance. Is it time for a money makeover?

Kim Potgieter is a leading authority on holistic financial planning. She has helped hundreds of clients put money in its right place – making sure it enables them to live the life they really want, one filled with inspiration and meaning.

She is going to guide you through a radical relook at your life, and your money to become the best modern elder you can be.

Consumers can spend their money as it pleases them. But they should be aware of what they are letting themselves in for. In Buy Right, the South African National Consumer Union shares the knowledge it has gained over years of involvement in consumer affairs with concerned consumers in the country.

It offers vital advice and hints on:

• How to buy food, clothing, furniture, household appliances, toys, a car, property, etc.
• Credit; shopping at supermarkets; mail ordering
• Bank accounts and investments; house and personal loans; life and short-term insurance
• VAT; property taxes; blacklisting
• Home improvements and security
• Car and other repairs
• Health, medical services and patients' rights
• Planning for retirement
• How and where to complain (an alphabetical list of authorities is provided)
• The consumer and the Law
• Food rights

Buy Right will help you to buy astutely and with discretion, get the best value for your money and know how the law protects you.

An astonishing 94.6% of businesses fail to sell, closing at an enormous cost to the owner, their family, their staff and the economy. It’s a shocking realisation to many business owners that after all the courage it took to start, the creativity and care it took to build, every business faces only two possible ends: a sale or closure. So you’ve got to build to $ell.

Sweat, Scale, $ell shares real business-building stories about how ordinary business owners changed their fate using the Asset of Value™ method, a practical approach to building a winning business. With Pavlo Phitidis, they Sweated to reshape their business to be relevant to a changing world; they built a solid foundation for Scale; and then they pressed hard on the accelerator to ramp up growth in preparation for $ale to create a business any buyer would want.

Phitidis draws on 25 years of direct experience in conceptualising and building businesses across four continents. He has developed and brought to market business assets in excess of US$300 million through a combination of business start-ups, turnarounds, sales and acquisitions. Phitidis started, built and sold 12 businesses in nine years and took the lessons from the two failures, two IPOs and eight sales to build a business that builds businesses. As a co-founder of Aurik he has worked with over 1 500 established businesses across most sectors in the economy, including family businesses, partnerships and lone business owners.

PAVLO PHITIDIS is the resident entrepreneurial and business growth content contributor for Radio 702 and CapeTalk, the presenter and host of The Growth Engines for Business Day TV, as well as a speaker at both local and international business conferences.

DJ Sbu is not your ordinary entrepreneur. He was born to be great and refuses to settle for less.

Have you ever wondered what, exactly, goes on inside a successful entrepreneur’s head – how they came up with their ground-breaking ideas, how they turned them into a business, how they handle failure and what it took to get them where they are today? Billionaires Under Construction answers these questions, and more, as it charts the rise and rise of Sibusiso Leope, one of South Africa’s most dynamic entrepreneurs. From his childhood in Tembisa to the global stage as a best-selling DJ, from music mogul and co-owner of TS Records – the label behind some of South Africa’s brightest young stars – and, more recently, the force behind the country’s first black-owned energy drink, Sbu’s story is one of courage, resilience, inspiration and a refusal to let the put-downs stop him. In his own words, "you just can’t stop his go".

Billionaires Under Construction is a blueprint of Sbu’s success; an honest and direct account of the setbacks he’s encountered, including his high profile dismissal from two of South Africa’s most prominent radio stations and his equally notorious run-in with Forbes. Sbu’s handling of these situations shows the triumph of his entrepreneurial spirit and the tenacity of a man who does, indeed, consider himself a billionaire under construction – and won’t stop until his goal has become a reality.

More than this, it’s a handbook to show other entrepreneurs how they can do the same; a slice of motivation to show them that it can be done, and a tool-kit to show them how.

What does it take to be an incredible marketer, creating campaigns that move something from ‘here’ to ‘there’ so that it is noticed, believed, loved, and ultimately (and importantly) bought by customers – whether in business-to-business or business-to-consumer contexts?

How does a marketer devise strategies to fulfil the 360° dreams, aspirations and objectives of an entire business? Is it through brand building, maintaining brand health and reputation, or effective storytelling? Is it about raising product/service awareness, pricing strategies, or the choice of promotional channels – whether above-the-line, below-the-line, or through digital and AI messaging? Or perhaps it’s about delivering a message like, ‘We hear you; let’s build a sustainable future, together.’

And how do you decide which aspect to market? Is it …

The product;
The price;
The place;
The promotion;
The people;
The positioning;
The process;
The parable;
The performance;
The promise?
OR, is it bits and pieces of all, or some, of the above?

This book delves into these questions, providing insights and guidance for creating comprehensive marketing strategies that resonate and drive success. In The Book Every Marketer Should Read our authors examine aspects of the original ‘4Ps of Marketing’ and transform this outdated 1960s framework into a dynamic, contemporary approach suited for the 21st century.

Start reading and make notes on what you can implement today to become a marketing maestro.

You’ll never think of flying in South Africa in the same way again.

This is an insider’s tale of the South African airline industry over the past thirty years, as told by Glenn Orsmond, and particularly the story of the dramatic collapse of Comair in 2022.

Orsmond, who was twice the CEO of Comair and the founder CEO of 1time, takes the reader on a wild ride through the ultracompetitive sector of low-cost airlines that boomed in this country after South African Airways’ stranglehold on the skies was loosened in the 1990s. Comair – which operated both Kulula and British Airways – and 1time were at the forefront of this new wave of airlines that saw domestic flying and tourism take off.

But after some incredible highs and lows, Comair crashed under Orsmond’s watch despite the company’s 75-year unblemished profit history. The pandemic’s impact, the grounding of aeroplanes after a questionable regulator investigation and poor management decisions all contributed to its downfall.

You can expect tales of industry legends and innovation but also of competitors trying to gut each other, battles between pilots and accountants, unions and bosses at loggerheads, and warfare between shareholders and directors in boardrooms.

CULTURENEERING = Building a strong business culture in a diverse workforce that delivers obsessive customer service.

Are you a leader who aims to drive real growth for the people within your organisation and at the same time deliver exceptional customer service that sets you apart from your competitors?

Running a business in a racially polarised country with a melting pot of diversity, requires leaders to understand the complexity of building an inclusive culture out of a fragmented workforce. A strong culture is not only focused on chasing financial objectives, but is based on trust, equality, respect and mutual tolerance. When every employee has a true sense of belonging, despite their differences, it is possible to create a common purpose of obsessive customer service.

Cultureneering is a philosophy and framework that Ian Fuhr has spent four decades developing, and which he perfected while building the Sorbet Group, Africa’s largest beauty salon chain. This book takes the reader on a journey of personal development and unpacks the unbreakable link between culture and service. It reveals the tools required to build a company culture that is good for its people, its customers and, ultimately, for sustainable growth.

Leaders need to embrace this culture-driven approach to business leadership as it promises to play an important role in the overall transformation of our country’s workforce.

Futureproof your business, career and family with these invaluable insights. This is an essential compendium of trends for anyone who is anxious or excited about thriving in the uncertain decade ahead. Along with accompanying actionable insights to pre-empt and solve the challenges and problems they represent to the serious South African with business, career and family interests to look after, it's a must-have.

How should you write and present a business proposal? What is the best way to take minutes? When should a work email be formal and when chatty?

Communicating in a clear, concise manner with colleagues and clients is a key aspect of professionalism and good business practice. Yet many South African companies do not train their staff to do this, leading to confusion and lost hours - and it affects how people view your ability to do your job.

Now, help is at hand with plain-language experts Bittie Viljoen-Smook, Johan Geldenhuys and Wena Coetzee in this user-friendly guide to all aspects of written English in the workplace. Your journey to presenting yourself in an excellent, effective way starts here.

For a man who loves the order and structure of institutions, Shaun ‘Fush’ Fuchs is hard to pigeonhole. A school rugby star, a soldier, a provincial powerlifter, a renowned waterpolo coach, a lifelong entrepreneur, a dynamic teacher, and a beloved headmaster.

In his memoir, Fush, Shaun tells the story of a life dedicated to changing the lives of others. From his school days at Jeppe High School for Boys and his activism heading up the SRC of the South African Student Teachers Union, to his time as an army infantry officer and his memorable teaching career, Shaun has always had an irrepressible instinct to succeed and to lead no matter what happens and no matter what the challenges. Because he has had to leap hurdles and overcome adversity almost every step of the way, Shaun has sought to leave the institutions he has been a part of as better, more diverse, more inclusive environments, where children feel safe and everyone has a space to be themselves.

Covering love and loss, pageants and coups, false accusations of terrorism, and the love of hundreds of students who have passed through schools Shaun has been part of, Fush will make you laugh, cry and reconsider what it truly means to educate and lead by example.

Pepe Marais began his entrepreneurial journey as a newspaper delivery boy at the age of twelve. After finishing high school at the end of 1986 he spent two years in the army completing what was then compulsory national service. On his way home at the end of his service he had a chance encounter with a graphic artist which completely changed the course of his life.

Pepe's latent talent for art was developed and honed at a Cape Town art school, where he finished top of his class each year, which in turn would lead him to discover his passion for advertising. After graduating, he and his partner Gareth Leck launched their enterprising Take-Away Advertising Agency and business success seemed a foregone conclusion.

But some unwise business decisions and then the global recession of 2008 took their toll and, to make matters worse, Pepe's personal life began to disintegrate. However, at the lowest point of his life, he would discover a fundamental insight which became the foundation on which he would rebuild his life. It would also inspire the development of his Purpose for Business methodology and his deep interest in unlocking both human and Joe Public United business potential.

While Growing Greatness contains many lessons for aspiring entrepreneurs, perhaps what is more important is the deep wisdom it offers. Through his growing awareness of what purpose means in both business and personal terms, Pepe points the way to growing your own greatness.

About 50km outside of Cape Town lies the beautiful town of Stellenbosch, nestled against vineyards and blue mountains that stretch to the sky. Here reside some of South Africa’s wealthiest individuals: all male, all Afrikaans – and all stinking rich. Johann Rupert, Jannie Mouton, Markus Jooste and Christo Weise, to name a few.

Julius Malema refers to them scathingly as ‘The Stellenbosch Mafia’, the very worst example of white monopoly capital. But who really are these mega-wealthy individuals, and what influence do they exert not only on Stellenbosch but more broadly on South African society?

Author Pieter du Toit begins by exploring the roots of Stellenbosch, one of the wealthiest towns in South Africa and arguably the cradle of Afrikanerdom. This is the birthplace of apartheid leaders, intellectuals, newspaper empires and more.

He then closely examines this ‘club’ of billionaires. Who are they and, crucially, how are they connected? What network of boardroom membership, alliances and family connections exist? Who are the ‘old guard’ and who are the ‘inkommers’, and what about the youngsters desperate to make their mark? He looks at the collapse of Steinhoff: what went wrong, and whether there are other companies at risk of a similar fate. He examines the control these men have over cultural life, including pulling the strings in South Africa rugby.

Shaping markets through competition and economic regulation is at the heart of addressing the development challenges facing countries in southern Africa. The contributors to Competition Law And Economic Regulation: Addressing Market Power In Southern Africa critically assess the efficacy of the competition and economic regulation frameworks, including the impact of a number of the regional competition authorities in a range of sectors throughout southern Africa.

Featuring academics as well as practitioners in the field, the book addresses issues common to southern African countries, where markets are small and concentrated, with particularly high barriers to entry, and where the resources to enforce legislation against anti-competitive conduct are limited. What is needed, the contributors argue, is an understanding of competition and regional integration as part of an inclusive growth agenda for Africa. By examining competition and regulation in a single framework, and viewing this within the southern African experience, this volume adds new perspectives to the global competition literature.

It is an essential reference tool and will be of great interest to policymakers and regulators, as well as the rapidly growing ecosystem of legal practitioners and economists engaged in the field.

Lincoln Mali spent his youth as a student activist fighting the apartheid system. After spending many nights in jail and detention, he reached a turning point and decided to use his knowledge and skills more proactively. He enrolled at Rhodes University to study law. After realising that law wasn’t working for him and neither was his time in Mandela’s government, he decided to go the corporate route and joined Standard Bank. And here was where he thrived.

Most of Mali’s business and leadership lessons were learnt while working for Standard Bank around Africa. He had to overcome imposter syndrome, toxic work environments, transformation issues and learn how to motivate, inspire and lead. And with Mali’s guidance, you can do all that too.

So, are you ready to be inspired?

Another one of those books about rules? Yes, except that this one may be the defining factor that will turn your dream into reality. Many have succeeded at being an entrepreneur, but many, many more have failed. Which side would you rather be on?

Sure, entrepreneurship is often about breaking the rules. But there are also a number of them that you should follow if you want to survive long enough to see what happens when you do. A business should be more than just a venture, it should be an adventure! The difference between a successful journey, rather than a wasted one, is knowing when to do what. That is what this book is about. Not science, but experience. The rules of hustle.

Based on Marnus Broodryk’s business experiences, together with insights from friends and fellow entrepreneurs, 90 Rules For Entrepreneurs is your guide to avoiding the pitfalls, as well as seizing the opportunities, your handbook to being an entrepreneur, a millionaire and of course, happy.

Recession, inflation, interest rates, income tax, exchange rates, junk bonds ... We are bombarded with these terms every day, but what do they actually mean? And how do they affect you?

In this updated edition of Everyone's Guide to the South African Economy, all these issues - and more - are addressed. The book clearly explains and evaluates a wide range of economic occur rences - from the budget and the rand/dollar exchange rate to the balance of payments and the role of the South African Reserve Bank.

The book investigates the impact of the 2008/2009 global financial crisis and the COVID pandemic, assesses the state of the sub-Saharan African economy, and explores human development issues in South Africa and their implications for policy-making.

If you are baffled by the specialised jargon of economists and bankers and want to know more about the economic forces that subtly dictate your day-to-day existence, Everyone's Guide to the South African Economy will put you in the picture. This is essential reading for every South African consumer and taxpayer. Economics, after all, is too important to be left to economists.

The world faces a 'giant storm' of stress and burnout that is exacerbated in the context of the COVID-19 pandemic and the Fourth Industrial Revolution. Learning how to navigate the world going forward is something that everyone has to do. How can leaders help themselves, their employees and their businesses to thrive in the face of these and other challenges?

Stressproof speaks to the crisis currently facing the professional landscape. It outlines the conundrum of stress and its performance advantage versus its destructiveness; and it focuses on the stress-related challenges facing decision makers in the world of business today.

Practical, insightful and based on case studies and real-world examples, Stressproof provides a game-changing action plan to help managers, leaders and those who are making decisions.

The topic of wealth is divided into two sets of opposing solutions: the ones sold by smiling politicians who want your vote, and those quietly explained by entrepreneurs and businesses owners who have been through the mill and know what it takes to become extremely rich.

Douglas Kruger, bestselling author of Is Your Thinking Keeping You Poor? and Poverty Proof, returns with his hardest-hitting book yet. This take-no-prisoners exploration of how money works will challenge you on everything you think you know while arming you with economically sound principles for growing your prosperity. No holds are barred when it comes to discussing how governments, particularly in Sub-Saharan Africa, keep people poor, and which deeply held belief systems promote poverty.

The book explores and debunks all the accepted clichés, which are more dangerous than you might think. It also asks what sort of society becomes prosperous, and what political moves inhibit wealth-building for individuals. And then we get to the gold: you, and how you can think, act and plan in order to radically transform your own wealth potential. It may be a bumpy ride, but the information in this book will change your life, your wealth and your entire worldview about money. When the outcome is the rest of your life, will you choose destitution? Or will you learn how to escape generational cycles of poverty and become a self-made, first-generation millionaire?

Brazil, Russia, India, China, South Africa (BRICS) nations have become a strong engine of South-South Cooperation. The most significant outcome of the emergence of BRICS is the shift they have brought to the balance of power in global affairs. The past decade has steadily accelerated commercial and strategic engagements between BRICS and Africa. The BRICS countries constitute Africa’s largest trading partners and new investors. BRICS has nourished Africa’s economic emergence and elevated the continent’s contemporary global positioning. This book seeks to determine the potential of BRICS-Africa cooperation in promoting African development.

Some of the critical issues in this book include the following: a) What will be the impact of intra-BRICS and BRICS–Africa cooperation and partnerships, mainly through the New Industrial Revolution, financial technologies, infrastructure, economic growth and development in health; b) Determine the relevance of the BRICS New Development Bank in the post-COVID era; c) Examine the governance and accountability mechanisms required to entrench BRICS governance cooperation with the continent, and e) Determine strategies that address gender developmental disparities and inequalities in BRICS and Africa.

This book consists of five sections, preceded by an introduction and later at the end of the chapters, a conclusion. The five mentioned sections respond to the 2020 12th BRICS Summit, ‘Global Stability, Shared Security, and Innovative Growth thematic thrusts.

The story of a ‘rogue unit’ operating within the South African Revenue Service (SARS) became entrenched in the public mind following a succession of sensational reports published by the Sunday Times in 2014. The unit, the reports claimed, had carried out a series of illegal spook operations: they had spied on President Jacob Zuma, run a brothel, illegally bought spyware and entered into unlawful tax settlements.

In a plot of Machiavellian proportions, head of the elite crime-busting unit Johann van Loggerenberg and many of SARS’s top management were forced to resign. Van Loggerenberg’s select team of investigators, with their impeccable track record of busting high-level financial fraudsters and nailing tax criminals, lost not only their careers but also their reputations. Now, in this extraordinary account, they finally get to put the record straight and the rumours to rest: there was no ‘rogue unit’. The public had been deceived, seemingly by powers conspiring to capture SARS for their own ends.

Shooting down the allegations he has faced one by one, Van Loggerenberg tells the story of what really happened inside SARS, revealing details of some of the unit’s actual investigations.

Although South Africa’s informal sector is small compared to other developing countries, it nevertheless provides livelihoods, employment and income for millions of workers and business owners. Almost half of informal-sector workers work in firms with employees. The annual entry of new enterprises is quite high, as is the number of informal enterprises that grow their employment. There is no shortage of entrepreneurship and desire to grow.

However, obstacles and constraints cause hardship and failure, pointing to the need for well-designed policies to enable and support the sector, rather than suppress it. The same goes for formalisation. Recognising the informal sector as an integral part of the economy, rather than ignoring it, is a crucial first step towards instituting a ‘smart’ policy approach.

The South African Informal Sector is strongly evidence- and data-driven, with substantial quantitative contributions combined with qualitative findings – suitable for an era of increased pressure for evidence-based policy-making – and utilises several disciplinary perspectives.

GOOGLE Search: my job makes me...

- my job makes me miserable
- my job makes me depressed and anxious
- my job makes me cry
- my job makes me sick to my stomach
- my job makes me suicidal
- my job makes me feel worthless
- my job makes me angry
- my job makes me drink

YOU GOTTA BE KIDDING?!!! This was the authors' immediate reaction when they saw these prompts from Google (so many people had previously searched all of these that Google assumed they were going to as well). Consider how many millions of people need to have typed in these particular statements relating to their jobs for this to occur?

Are you feeling uncomfortable as you read them? Either because you feel the same way, or because you lead, own or work in a business full of people and if you’re brutally honest with yourself you may realise that this is quite possibly exactly how they feel. Do you have any tangible or quantifiable measure for how much this may be enhancing or diminishing your business bottom line? Most importantly, do you know what to do to meaningfully impact this? To create that work doesn’t suck! (step 1) And even better, is AWESOME! (step 2).

Brad Shorkend and Andy Golding are the co-founders of Still Human. They help businesses around the world remain relevant by creating exceptional employee experiences and being innovation-ready always, ultimately becoming Companies Behaving Awesomely.

Personal Financial Management provides an excellent and holistic structure for planning and managing your personal finances.

Everything you need to know in order to make informed decisions about any and every aspect of your finances is contained in the nine key personal financial planning areas: career, income tax, estate, investment, protection, credit, healthcare, retirement and emigration planning.

Ultimately, we all hope for financial independence after retirement, and how you plan and manage your finances in any one of these key areas can have far-reaching positive or negative implications for your future.

Are you feeling stuck and limited in your profession? Are you waiting for the next bonus, the next promotion, the next public holiday, the next best thing?

What if you:

• could become your own boss?
• had the freedom to choose when and where you work?
• could work towards your own dreams instead of someone else’s?
• could travel/spend time with your kids/tend to your garden at any time you damn well please?
• didn’t have to take leave to go to the dentist?

Peppered with pros and cons lists and personal anecdotes, the book presents relatable, honest and sometimes irreverent insights into the freelance world. It includes insights into, tips and ideas on how to: identify marketable skills; let go of excuses; set up a business structure; negotiate contracts and other legalities; pay the correct tax; set boundaries; manage your time; set pricing and much, much more.

If you want to start freelancing but don’t know where to start, this book is here to turn YOU into a home-office hotshot, starting TODAY.

The city of gold is in a death spiral.

Award-winning journalist, inner-city activist, and municipal civil servant Nickolaus Bauer takes a deep dive into how Africa’s economic hub has reached the brink of collapse and what it will take to rescue Joburg.

For local and international readers interested in tracking the collapse and possible resurrection of one of Africa’s greatest cities.