The South African economy has a secret weapon: stokvels. If harnessed correctly, investments in stokvels could significantly bolster the economy. The following statistics, provided by the National Stokvel Association of South Africa, are mind-blowing: at present there are 11.4 million South Africans who are members of stokvels; around R44 billion is pooled collectively by ordinary people in stokvels; and it is saved by 820 000 stokvels. A lot of ideas have been put forward on how these monies can be utilised by stokvels, but it is not really clear how these can be practically applied.

This book will appeal to readers who are already in a stokvel, those who want to be in one, and even those who never thought of joining one. It contains all the necessary information you need about this form of investment, including:

• how this collective power emerged;
• how to set up a stokvel and the admin involved in running one;
• the opportunities within stokvels and the possible collaborations with other institutions;
• real people’s experiences with stokvels; and
• the challenges and future landscape of stokvels.

Most importantly, it explains how an individual can make money by being part of a stokvel.

Will South Africa rise from Zuma's lost decade and turn into an influential global economic powerhouse in the 2020s and 2030s? Or will the country and its government continue down the path of state capture, corrupt leadership and economic downturn?

In this incisive book the country's foremost scenario planner and bestselling author analyses where we are at, predicts where we are headed and tells you what steps to take to make sure you and your family are well prepared for South Africa's future.

Matthew Buckland built a business that employed 70+ people and counted Vodacom, Naspers, Mediclinic and J&B as clients. He fulfilled many an entrepreneur’s dream when he sold it to M&C Saatchi for millions, and stayed on as MD. But a few years later, he was out on his own again with a new venture and a new battle to fight: against cancer. So You Want to Build a Startup? is a frank, refreshing account of the difficulties – and the fun ­– of building a new-media business. 

Think Yourself Rich: A Step-by-Step Guide to Financial Independence is aimed at first-timeearners who want to put themselves on the right path to financial independence. It provides an easy-to-understand guide that explains in clear terms how to consciously choose and plan for a debt-free lifestyle and not only survive, but thrive, on the long-term journey towards financial freedom.

The book covers crucial issues about financial planning clearly and succinctly, including:

- Why it is important to get rid of all unnecessary debt as quickly as possible.

- When you should start saving or investing.

- How to plan for emergencies.

- How much and what kind of insurance you need.

- How much of your income you should save.

- How much of your income you should invest.

- Where, how and when you should invest.

Theoretical information about budgets, financial plans and investment (including all important terminology for various investment options) is interwoven with relevant reallife examples and scenarios that will inspire readers to set aside the time to design and write up a proper financial plan – and execute it. Each chapter builds on the previous one to help readers achieve their goals by sticking to their plans. This book will equip readers to take full control of their finances.

How do you grow your capital while still preserving it? And how do you use investment vehicles to contribute positively to your financial freedom and a comfortable retirement? The answer is simple: financial education is the precursor to good investment decision-making.

Invest Your Way To Wealth is the guide to financial literacy. From asset classes to forex markets, the time value of money, risky and risk-free assets, cap rates, property, debt, SMMEs and angel investors, Thobelani Maphumulo explains the financial terms and concepts ordinary South Africans need to know in order to become financially savvy quickly and, ultimately, to retire financially secure.

Easy to understand, practical and informative, Invest Your Way To Wealth is essential reading for fledgling investors who need a trustworthy and accessible guide to a range of investment options that will help preserve and grow their capital before they engage expensive experts. By using the knowledge and tools provided in this book, you, too, can watch your money grow.

Instant New York Times bestseller

This year forget big resolutions. For real change start small.

Forget the latest exhausting fitness fad. Lose the guilt. Stop feeling bad. Improving your life is much easier than you think:

Try any habit,
make it tiny,
find where it fits naturally in your life
and nurture its growth.

Silicon Valley legend BJ Fogg, pioneering research psychologist, founder of the iconic Behavior Design Lab at Stanford, and one of Fortune’s ‘10 New Gurus You Should Know’, has cracked the code of habit formation. Based on twenty years’ research and used by over 60,000 people, his TINY HABITS® method reveals that the key to changing behaviour is the opposite of what you’ve always been told. It isn’t about willpower.

By focusing on what is easy to change, not what is hard; focusing on what you want to do, not what you should do, you’ll discover that creating happier, healthier lives can be easy, and surprisingly fun.

Awaken curiosity. Cultivate wisdom. Discover the abundant future.

In a data-laden, disrupted, dread-inducing world, how can we see clearly into the future? How can we navigate through the data, become the disruptors and replace our sense of dread for the future with a clear-thinking, positive vision of things to come?

Following his first two ground-breaking books, What’s Your Moonshot? and Magnetiize, John Sanei turns his endless curiosity to the perspectives, perceptions and prejudices that prepare us for our illogical future. He breaks down the four types of seeing – HINDsight, PLAINsight, INsight and FOREsight – we humans use to guide us through the world and into the future. Then, with 20 shots of vivid, eye-opening FOREsight, he gives readers the opportunity to peer into what that future could be.

> What can the history of the first autonomous vehicle, the elevator, teach us about autonomous cars and their effect on real estate and city planning?

> Why will the gold in our smartphones change the way we mine gold from the ground?

> How can you connect the invisible dots between the confusion of today and the grand potential of tomorrow?

Stress impacts all facets of our lives and it is having devastating effects on the global economy. Effects such as reduced productivity and the huge burden being placed on healthcare systems around the world.

Research has revealed that stress can destabilise our DNA, thereby compromising our genetic integrity, leading to the increase in many of the diseases we as a society are grappling with. Stress on an ongoing basis is one of the biggest challenges faced by the human race but in short bursts it can actually offer tremendous potential to grow, break personal barriers and excel. This book is therefore one of resilience not avoidance.

Full of tools and skills to buffer the adverse effects of stress and enhance functionality and health, The Stress Code is a response to the global call for stress management solutions. Supported by extensive scientific research, the book offers comprehensive and structured insights and interventions to assist in thriving in adversity.

Entrepreneurship and small businesses are vital determinants of sustainable economic growth, particularly in emerging economies, and are acknowledged as engines driving competitiveness and job creation. Countries that have encouraged and nurtured both of these have stronger economies and are more resilient. Entrepreneurship and small business management focuses on developing the important skills necessary for entrepreneurs to succeed at doing business in emerging economies.

Entrepreneurship and small business management provides a balanced theory and practical approach to help budding entrepreneurs develop thriving businesses. Fundamental aspects such as innovation and creativity are discussed as well as entrepreneurial strategies. The concluding section covers the essence of the business plan as well as relevant case studies, which are presented as a way of ensuring understanding.

Practising Learning and Development in South African Organisations offers an outcome-based, occupation-directed and work-based L&D approach to workplace learning design.

It presents an insightful investigation into the learning preferences of a digital society in the rapidly evolving twenty-first century workplace, in a new chapter on learning design.

Mteto Nyati knew as a schoolboy in Mthatha, working at his mother’s store, that he wanted to fix and build things. After completing his studies at Natal University, he turned down a Rhodes scholarship and headed for Jo'burg to take up a position at Afrox. He was the only black engineer and the advice he received was ‘don’t mess up’. 

He didn’t and today is one of South Africa’s top CEOs. This is his inspirational story. 

Do you need to be popular to make money from social media? No!

There are, however, a few important lessons verified influencers (those with the blue ticks and paying clients) have learnt through trial and error. As traditional media keeps losing eyeballs and revenue to digital and indeed social media, this content revolution presents unprecedented opportunities for those who know how to make the most of their interests and smartphones. In 2019, Elma Smit was hand-picked by two global governing bodies as the face of their World Cup content campaigns, in the space of only six months. Yet, she generated more revenue from influencer work in that same period than from anything else.

In Become an Influencer, one of South Africa’s leading content creators and influencers spills the beans on how to build a loyal audience, how to charge for paid campaigns and how to avoid running into a social media meltdown. Maps Maponyane, Rachel Kolisi, Nadia Jaftha and Liesl Laurie and a whole host of other leading influencers also reveal their influencer secrets, tips and hard-won lessons to Elma, while leading strategists who select influencers for global and local campaigns share what they look for in an influencer.

In the past few years, so many scandals have rocked corporate South Africa that crises seem to be the norm rather than the exception. In the glare of the public eye, with cameras, microphones and cellphones in their face, many leaders who excel in organisations suddenly become scared, confused and can even appear shady.

When Crisis Strikes looks at a variety of crises in the age of social media in South Africa and abroad, with examples of who got it right, who got it wrong and how they could have done better. The organisations range from schools to local companies to multinationals caught up in state capture claims and giants such as Boeing and BP.

The book provides ten simple and effective rules to help manage crisis situations. The practical advice in each rule is backed up by academic research that draws from public relations, marketing, management, leadership and psychology. It combines insights from a seasoned journalist and an accomplished academic to give you the advice and tools to ward off a crisis before it strikes and, if it’s too late, to resolve a situation quickly and with integrity.

The remarkable story of how Joe Foster developed Reebok into one of the world's most famous sports brands, having started from a small factory in Bolton.

Since the late 19th century, the Foster family had been hand-making running shoes, supplying the likes of Eric Liddell and Harold Abrahams - later immortalised in the film Chariots of Fire - as well as providing boots to most Football League clubs. But a family feud between Foster's father and uncle about the direction of their business led to Joe and his brother Jeff setting up a new company, inspired by the success of Adidas and Puma, and so Reebok was born.

At first, money was so short that Joe and his wife had to live in their rundown factory, while the machinery that made the shoes was placed around the edge of the floor, because it was so weak it could have collapsed if they'd been positioned in the middle. But, from this inauspicious start, a major new player in the sports equipment field began to emerge, inspired by Joe's marketing vision. By the 1980s, Reebok had become a global phenomenon, when they were the first to latch onto the potential of the aerobics craze inspired by Jane Fonda. Soon, Reeboks were being seen on Hollywood red carpets and even in the film Aliens, where Sigourney Weaver wore a pair of Reebok Alien Stompers.

Like the international bestseller Shoe Dog, by Nike's Phil Knight, Shoemaker is a powerful tale of triumph against all the odds, revealing the challenges and sacrifices that go into creating a world-beating brand; it is also the story of how a small local business can transform itself, with the right products and the right vision, into something much, much bigger.

"A longstanding excellent primer, in an equally excellent updated edition."-Print Ellen Lupton and Jennifer Cole Phillips's celebrated introduction to graphic design, available in a revised and updated edition. Graphic Design: The New Basics explains the key concepts of visual language that inform any work of design. A foundational graphic design book for students, Lupton and Phillips explore the formal elements of design through visual demonstrations and concise commentary. From logos to letterhead to complex website design, this is a graphic design book for everyone, no matter your design project or focus. Topics include: * Color * Texture * Rhythm and balance * Hierarchy * Layers * Grids * And much more! The new revised edition features new chapters on: * Visualizing data * Typography * Modes of representation * Gestalt principles Sixteen new pages of student and professional work covering such topics as working with grids and designing with color make this a course adoption favorite in any graphic design program and graphic design school. Graphic Design: The New Basics is an invaluable introduction to the field of graphic design from two accomplished designers and design educators.

Rand en sent, gegrond op die gewilde gelyknamige RSG- program, is ’n onontbeerlike gids vir die man op straat tot goeie persoonlike finansiële bestuur. Die kundigheid van kenners van gerespekteerde finansiële instellings word op ’n toeganklike manier beskikbaar gestel aan lesers wat nie noodwendig toegang tot die dienste van adviseurs of konsultante het nie.

Raad word verskaf oor hoe om ’n begroting behoorlik op te stel – en te laat klop. Suid-Afrikaners wat hulle in die dryfsand van skuld bevind, kry waardevolle wenke oor hoe om uit die spiraal te ontsnap en te begin spaar. Alles wat ’n mens oor eiendombeleggings, algemene en aanlynbeleggings behoort te weet, is hierin vervat. Inligting oor hoe om die maksimum opbrengs uit polisse te verseker, word gegee, en skuiwergate wat ’n mens op die finansiële pad kan laat struikel, word uitgewys.

Hierdie boek is noodsaaklike leesstof vir alle Suid-Afrikaners wat verantwoordelikheid vir hul geldsake wil neem.

The people who face the biggest dangers from the COVID-19 pandemic are pensioners.

The virus places their lives at greater risk, and their limited finances are under serious threat. They need to take action now to ensure they keep themselves financially afloat. And the COVID-19 virus is not their only threat. They were already faced with the major fallout from state capture under Jacob Zuma’s presidency and the resulting downgrading of South Africa to junk status and the plummeting of the value of the rand.

This book clearly explains the challenges facing pensioners, and outlines what they can do to improve their situation. Written by award-winning author Bruce Cameron and leading financial planner Wouter Fourie, and based on research by the country’s largest pension fund administrator, Alexander Forbes, as well as life companies Just SA and Sanlam, this book is essential for anyone concerned about their financial future.

Most people are rich for a single day in their lives: the day they retire and receive their retirement savings. This moment is more critical than many people realise – it marks the change from saving for retirement to drawing an income from savings that will ideally sustain them until they die. All too often, pensioners end up destitute because they make the wrong decisions once they retire.

It is crucial for retirees to apply themselves to securing a sustainable income. This book, co-written by well-known semi-retired journalist Bruce Cameron and respected financial planner Wouter Fourie, provides a straightforward and comprehensive overview of the vital issues that impact on retirement, such as taxation, investments, healthcare, estate planning and where to live when retired. It also identifies warning signs to look out for in order to avoid financial troubles.

This is the ultimate guide to help you achieve a secure and successful retirement. This new edition is based on the 2019 Budget figures.

This is the most famous confidence-boosting book ever published; with sales of over 16 million copies worldwide Millions of people around the world have improved their lives based on the teachings of Dale Carnegie.

In How to Win Friends and Influence People , he offers practical advice and techniques, in his exuberant and conversational style, for how to get out of a mental rut and make life more rewarding. His advice has stood the test of time and will teach you how to make friends quickly and easily; increase your popularity; persuade people to follow your way of thinking; enable you to win new clients and customers; become a better speaker; and boost enthusiasm among your colleagues.

This classic book will turn your relationships around and improve your interactions with everyone in your life. Dale Carnegie, known as 'the arch-priest of the art of making friends', pioneered the development of personal business skills, self-confidence and motivational techniques. His books - most notably How to Win Friends and Influence People - have sold tens of millions worldwide and, even in today's changing climate, they remain as popular as ever.

Seeing that this is my third published book, do you think I now qualify to introduce myself as “Author Afrika Mhlophe”? Or, better still, how about the superlative “Major Author”? Somehow I don’t think anyone would be impressed with such self-aggrandizement. Besides, my vocation as a writer is a separate issue from my identity. And the same is true of my roles as a pastor and public speaker. I never mention these roles except when someone prompts me by asking the question, “What do you do?”

The operative word in this question is do. The word refers to that which a person carries out or performs. In my case, I do write for various publications, I do lead a church and I do speak on various platforms. But—and this is a very important “but”—I am not a performer but a person. I am also not a position or a role. For instance, you might refer to South African Olympic gold medalist Wade van Niekerk as an athlete—in acknowledgement of what he does. But you will be conscious that Van Niekerk is a human being and not a human doing.

My involvement in ministry now spans 20 years, but I am always at loss for words when I meet ministers who insist on introducing themselves with their ecclesiastical “titles”. I sometimes wish to blurt out and say, “But ‘apostle’ is not your first name.” There are two things that are wrong with this obsession with titles.

Covid-19 het die wêreldekonomie soos 'n atoombom getref. Die markte het getuimel en skielik is almal armer as voorheen. Pensioene het gekrimp, werksekerheid is 'n luukse en gesinne weet nie of hulle hul huis- en motorpaaiemente sal kan bekostig nie. Hoe hou ek kop in hierdie onseker tyd? Een van die land se voorste ekonome, Theo Vorster, gee raad oor hoe om jou geldsake te bestuur sodat jy hierdie, en ander krisisse, finansieel kan oorleef.