The only personal finance book you will ever need!

It is never too late, or too early, to become more intentional about your finances. Unexpected life events can severely expose the financial vulnerability of individuals and households who are ill-prepared. Not having a comprehensive financial plan in place can cause severe, long-lasting, if not permanent, damage to your personal wealth and dreams of a carefree retirement.

This book serves as a quick but comprehensive reference guide that provides the necessary insights into each area of your finances at every stage of your life. It will assist you with self-reflection checkpoints to avoid financial catastrophe due to unexpected economic challenges while maximising your wealth potential. It will help you to construct a sound personal financial plan with or without the assistance of a financial advisor and to identify your money personality, because only by understanding what money means to you will you be better able to manage it.

Applying the principles contained in this guide is guaranteed to improve your chances of achieving your financial goals. It will assist you with living a life of purpose and meaning and to leave a lasting legacy as you travel financially secure along your life’s journey.

This book covers the basics of cost and management accounting.

This book aims to meet the needs of those students that wish to understand and master the knowledge and skills needed to successfully complete their finance studies.

The primary aim of this book was to develop an essential and all-inclusive text that exposes students to all the fundamental concepts in the field of costing with a special emphasis on the following: Cost accumulation, Cost analysis and Cost control

April of 2022 marks a 25-year milestone for the personal finance classic Rich Dad Poor Dad that still ranks as the #1 Personal Finance book of all time. And although 25 years have passed since Rich Dad Poor Dad was first published, readers will find that very little in the book itself has changed — and for good reason. While so much in our world is changing a high speed, the lessons about money and the principles of Rich Dad Poor Dad haven’t changed. Today, as money continues to play a key role in our daily lives, the messages in Robert Kiyosaki’s international bestseller are more timely and more important than ever.

While there is a milestone to commemorate — and a new section in the book on Why Milestones Are Important — preserving the integrity of the original content is testimony to the fact that this book has truly stood the test of time. The sidebars throughout the book (that were updated for the 20-year anniversary edition) have been updated again, but the core principles that parents and grandparents — those who embraced Robert’s story and messages 25 years ago — are sharing them with new generations who have found that its timeless wisdom and no-nonsense lessons can be applied to anyone’s life and their vision for a future that includes taking control of their finances.

People of all cultures and countries celebrate milestones. We use them to measure time, mark progress, reflect on the lessons we’ve learned, and celebrate accomplishments… and they give meaning to our life’s journey. They are a way that we integrate past, present, and future… looking back at where we started, where we are today… and the promise of all that the future can hold.

In the quarter century that has passed since Rich Dad Poor Dad was first published — 25 years since April 8, 1997 — so many things in our world have changed. But the one thing that has not changed is the pressing need for and the power of financial education. Money is still a mainstay of our lives, like it or not, and technology has brought both speed and innovations to the world of money. In an ever-changing world, we can all still get smarter when it comes to money… and learn as much as we can to secure our future.

Today Rich Dad Poor Dad consistently ranks among bestsellers around the world in the categories of Personal Finance, Parenting, and Investing, has been translated into 38 languages, and has sold more than 40 million copies worldwide.

Rich Dad Poor Dad is Robert's story of growing up with two dads — his real father and the father of his best friend, his rich dad — and the ways in which both men shaped his thoughts about money and investing. The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you.

In many ways, the messages of Rich Dad Poor Dad, messages that were challenged and criticized 25 ago, are more meaningful, relevant, and important today than ever.

Rich Dad Poor Dad...

• Explodes the myth that you need to earn a high income to become rich
• Challenges the belief that your house is an asset
• Shows parents why they can't rely on the school system to teach their kids about money
• Defines once and for all an asset and a liability
• Teaches you what to teach your kids about money for their future financial success

Hierdie boek is geskryf met die doel om die basiese beginsels en toepassings van rekeningkunde meer verstaanbaar en bruikbaar te maak vir studente wat nie rekeningkunde as skoolvak geneem het nie en ook nie as hoofvak gaan neem nie.

Accounting for All 4th edition aims to help students master introductory accounting courses, and covers the key topics in the financial accounting and cost accounting disciplines.

Now updated, it has been further enhanced by two new topics— partnerships and non-profit organisations (NPOs)—giving students a broader coverage of the business environment.

The study of accounting is often perceived as daunting, but the author has written in an easy-to-understand style. The teaching methodology takes a step-by-step approach and is supported by extensive explanatory examples and revision questions. It also enables students to work through each chapter independently.

Accounting for All will benefit any student who does not have an accounting background but needs a fundamental understanding of the financial and cost accounting principles and concepts as they apply to the world of business.

The Guide to International Financial Reporting Standards (IFRS) for Small and Medium Entities (SMEs) has been written to provide an easy-to-read-and-apply practical guide for both practitioners and students of accounting. The textbook combines theoretical aspects and the practical application of financial reporting. It includes numerous illustrative examples and breaks down complicated International Financial Reporting Standards (IFRS) for SMEs to facilitate an easy-to-use-and-apply guide for the small and medium-sized entities.

This book combines in one volume the provisions of the Income Tax Act 58 of 1962, as it applies to individuals and businesses for a particular year of assessment.

It is written for undergraduate students using simple language and the relevant sections of the Act are provided and explained in simple terms, and can also be used by general accountants and tax advisors. The title is updated annually with the latest legislative amendments to the end of November each year.

This book is extracted from the main work, Silke: SA Income Tax, mainly for second-year students, who do not cover all the topics addressed in the main work.
The availability of this title eliminates the need to buy the same work for two consecutive years, which is more focused and economical. It is updated annually with the latest legislation.

Financial Accounting: The Question Book 5e accompanies the fifth edition of Financial Accounting: An Introduction. The Question Book is aimed at first-year students of financial accounting at universities and universities of technology and is suitable for CA stream as well as non-CA students.

The scope of this text focuses on the business environment in all the economic sectors in South Africa and as such will enable the reader to have an understanding of: The financial function of an organisation; The basic concepts of financial management; The banking issues and basics of insurance relating to an organisation; As well as managing: The buying and selling activities in an office; The wages, salaries and petty cash in an office Finally, to equip the reader to draw up and manage an office budget.

New traders are often led to believe that trading must be easy, which is true to some extent; it has certainly never been easier to trade. Barriers to entry are low, and you have unlimited earning power. You can trade whenever and wherever you like, using any of the numerous markets that are available to choose from, and you can select a low-cost platform from among the many platforms available.

But new traders soon realise that what is generally called ‘common sense’ does not work in trading; what they have been taught – that there is a right way and a wrong way – does not seem to apply to trading. Why? The answer is simple: Our brains are not naturally wired for trading, but they can be rewired. And you will find out how in this book.

Whether you are a beginner or an experienced trader, reading Badass Trader can be a valuable way to learn, grow and improve your trading skills, setting you on a path to financial well-being. While both informative and practical, the book will also help to rewire your mind, stacking the odds of trading success in your favour so that you can get profitable quicker.

This is an introductory text for first year students aiming to become CAs.

This work deals with the concepts in the Conceptual Framework for Financial Reporting as well as key principles from selected IFRSs, to the degree that it is possible in an introductory work on Financial Accounting.

The purpose of this work is to fundamentally prepare students for further studies in Financial Accounting.

This book of questions, exercises and problems has been prepared to accompany the textbook, A Concepts-based Introduction to Financial Accounting, by David Kolitz. It has corresponding chapters for ease of reference. Questions, Exercises and Problems in Financial Accounting can also be used independently of the Kolitz text as a tutorial tool for financial accounting courses at a tertiary level.

The questions are multiple choice and ensure understanding of a topic before moving on to the exercises and problems. The exercises are generally shorter and less complex than the problems, and can be used to develop proficiency in a topic in which students are expected to reach the standard of the problems. Where the level of the course dictates, the exercises can be used instead of the problems. The problems are longer and more complex in nature, requiring an in-depth understanding of the topic.

In addition, there are three revision sets (after chapters 10, 16 and 21) which provide comprehensive coverage of material covered in earlier chapters. These are also excellent exam preparation material.

An easy-to-read, integrated approach to accounting and finance which dispels much of the mystique surrounding these subjects for students and non-financial managers. This edition incorporates changes in legislation and in attitudes towards financial analysis, the interpretation of annual accounts and the use of financial ratios, as well as chapters on the financial planning process, the cost of capital and risk analysis.

The document is the 6th edition of 'Introductory Questions on SA Tax' edited by Shaun Parsons, providing a comprehensive overview of South African taxation. It includes various chapters covering topics such as gross income, capital gains tax, and value-added tax, along with selected solutions to questions. The content is designed to facilitate understanding and engagement with tax legislation and principles for students and practitioners in the field.

What do you need to do to retire in comfort? What are the right choices to make before and after you retire? What are the mistakes that you need to avoid? How can you secure a sustainable income for the rest of your life?

This book, co-written by well-known semi-retired journalist Bruce Cameron and respected financial planner Wouter Fourie, answers all these questions and more. It provides straightforward, comprehensive and practical information on the vital issues that impact on retirement, such as taxa tion, investments, healthcare, estate planning and where to live when retired. And it also identifies warning signs to look out for in order to avoid financial troubles.

This fully updated edition is based on the 2023 Budget figures and takes account of changes in legislation, tax and retirement products.

This is the ultimate guide to help you achieve a secure and successful retirement.

The ABC of Financial Management is written for those who know little or nothing about financial management, as well as for the serious investor or commercial leader. Financial statements, time value of money, the cost of capital, the management of working capital, how to make financing and investment decisions, as well as a plethora of other facets of financial analyses and management, are discussed in detail and in understandable language. The title defines and discusses financial terms, as well as the fundamentals of financial management and is of immense practical value.

Credit is essential in the modern world and creates wealth, provided it is used wisely. The Global Credit Crisis during 2008/2009 has shown that sound understanding of underlying credit risk is crucial. If credit freezes, almost every activity in the economy is affected. The best way to utilize credit and get results is to understand credit risk. Advanced Credit Risk Analysis and Management helps the reader to understand the various nuances of credit risk. It discusses various techniques to measure, analyze and manage credit risk for both lenders and borrowers. The book begins by defining what credit is and its advantages and disadvantages, the causes of credit risk, a brief historical overview of credit risk analysis and the strategic importance of credit risk in institutions that rely on claims or debtors. The book then details various techniques to study the entity level credit risks, including portfolio level credit risks. Authored by a credit expert with two decades of experience in corporate finance and corporate credit risk, the book discusses the macroeconomic, industry and financial analysis for the study of credit risk. It covers credit risk grading and explains concepts including PD, EAD and LGD. It also highlights the distinction with equity risks and touches on credit risk pricing and the importance of credit risk in Basel Accords I, II and III. The two most common credit risks, project finance credit risk and working capital credit risk, are covered in detail with illustrations. The role of diversification and credit derivatives in credit portfolio management is considered. It also reflects on how the credit crisis develops in an economy by referring to the bubble formation. The book links with the 2008/2009 credit crisis and carries out an interesting discussion on how the credit crisis may have been avoided by following the fundamentals or principles of credit risk analysis and management. The book is essential for both lenders and borrowers. Containing case studies adapted from real life examples and exercises, this important text is practical, topical and challenging. It is useful for a wide spectrum of academics and practitioners in credit risk and anyone interested in commercial and corporate credit and related products.

Tony Robbins, who has coached more than fifty million people from 100 countries, is the world’s #1 life and business strategist. In this new book, he teams up with Christopher Zook, a renowned financial investor who draws from thirty years of experience to round out the trilogy of #1 New York Times bestselling financial books. Together they reveal how, for decades, trillions of dollars of smart money­ – think of large institutions, sovereign wealth funds, individuals with ultra-high-net worth – have been making outsized returns using alternative investments in private equity, private credit, private real estate, energy and venture capital.

Until recently, the vast majority of investors – those of us without insider access or eye-popping checkbooks – have been locked out of these exciting, high-yield opportunities. But there is a change underway. Alternative investments are coming to the masses, and investors need to know how to navigate their options, assess the merits of these opportunities, and determine how to best take advantage of this massive trend.

In The Holy Grain of Investing, you’ll discover:

• Where opportunities will arise as we transition from the 'free money' era of zero interest rates to a new more realistic environment.
• How to take advantage of the trillions flowing into private investments by owning a piece of the firms that manage the assets.
• How to take advantage of private credit as an alternative (or compliment) to bonds.
• How and why professional sports teams have become an asset class of their own.
• How the renewable energy revolution will create new winners and losers.
• How investments in private real estate can work as an inflationary hedge.
• Interviews, advice, and insights from some of the world’s most formidable titans of industry, such as Howard Marks of OakTree Capital, Vinod Khosla of Khosla Capital, Barry Sternlicht of Starwood, Robert Smith of Vista, and Peter Theil of Founders Fund, among others.

The market is changing, and the conventional wisdom no longer applies. Are you ready to add some fuel to your financial fire? No matter your wealth, your experience, your job, or your age, The Holy Grail of Investing will teach you everything you need to know to unleash the financial power of alternative investments.

Zamantungwa Khumalo is a rising star on the South African property scene. An award-winning media and content specialist, she is also a property entrepreneur who bought her first properties at age 27. Now, she wants other people to follow in her footsteps, climbing the property ladder on their way to building wealth and security.

All her passion and expertise is concentrated in this volume, which covers a range of topics vital to property ownership. She also includes interviews with leading property industry experts like Gil Sperling, Michelle Dickens, and Silindile Leseyane who is the chairperson of Sakhisizwe Property Stokvel.

This book is aimed at helping a wide range of people – women, young professionals, and also men who want to buy property but don’t quite know how to go about it – to take that first step.

As she says in her introduction: ‘My hope is that this book will help to make your property dreams come true.’

Financial management: Turning theory into practice is an accessible and principles-based financial management textbook for undergraduate and Honours Accounting students. The book takes cognizance of changes in the economic environment and their implications for the role of financial management and the teaching of the subject. Financial management follows the SAICA syllabus for financial management but also takes the skills required by the CIMA syllabus into account. It acknowledges the intent behind the SAICA Competency Framework to develop problem-solving, critical thinking and ethical business leaders, but at the same time provides academic and financial literacy support to students. This guided approach serves to produce both technically competent students as well as students who will be capable financial leaders in the workplace. Financial management supports students in the following ways: - Opening case studies engage student interest and illustrate why the principles that will be dealt with in the chapter are important for the successful financial management of South African companies. - Critical thinking boxes encourage students to think deeply about the consequences of various actions in the business environment, such as implementing financial performance measures, thereby developing their reasoning skills. - Worked examples guide students through problems in a step-by-step manner and give them confidence to tackle questions on their own. -Self-assessment questions test understanding of the key concepts. - 'Finance in action' boxes provide real-life examples of the theory covered in the chapter. The book is aimed at undergraduate and Honours Financial Management students enrolled in BCom Accounting courses at universities, primarily those following a CA route.

With the non-mathematician in mind, the sixth edition of Statistics for Business and Economics teaches learners the key concepts of statistics in business, management and economics.

The authors blend statistical methodology with applications of data analysis to illustrate the fundamental role of statistics in problem-solving and decision making. Computational methods give students a solid foundation to master statistical application and interpretation. At the end of each section, practical exercises encourage conceptual understanding of real-world problems.

New content on big data enriches the learning experience and prepares students for the workplace.

The main objective of this textbook is to familiarise the learner with the internal audit environment with reference to the Global Internal Audit Standards (GIAS).

Why is the South African banking industry regarded as one of the best in the world? How is it structured? How did it avoid collapse during the global financial crisis of 2007-2009? Bank Management in South Africa: A risk-based perspective is the first textbook for the South African market to answer these questions. It provides a comprehensive overview of the way banks and their financial risks are managed. The book is divided into five parts: Part One introduces the business of banking by discussing the evolution of financial intermediation theory; Part Two deals with the structure, history, performance and regulatory environment of the South African banking industry; Part Three considers how banks report and measure their performance; Part Four focuses on how banks identify, quantify and manage financial risks; Part Five deals with the management of the asset book, liability book and, importantly, the capital adequacy requirements set by the Basel Committee on Banking Supervision.

For centuries, working hard and saving up diligently would have set you up for financial security and a comfortable retirement. Not anymore.

Over the last 50 years, we've entered a new financial world - one where your savings lose value faster than you can build them, a global mountain of debt piles up ever higher, and most people slip backwards however hard they try.

In The Price of Money, a leading investment expert explains what's changed - and what you should do now we're here. You'll learn why currencies the world over have lost 99 per cent of their value, and how to use future declines to your advantage. You'll understand how the government can produce hundreds of billions out of thin air, and which investments benefit when they do. Most importantly, you'll be shown what's coming next - and how to position yourself to gain rather than suffer.

You don't need even the slightest knowledge of economics to read this book - just a desire to understand why the world of money is working against you, and what to do about it.