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.

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.

You have a residential investment property. Perhaps you are already renting it out. But are you doing it like a pro and do you know how to maximise your return from it?

In this book, property management expert David Beattie distils two decades of experience into easy-to-implement steps and shows you how to manage your property like a professional landlord. His goal is to help you make more money in less time and with fewer hassles, by showing you how to run your property investment like a business; navigate and comply with South African rental laws with ease; attract, screen, place and keep high-quality tenants; ensure successful and consistent rent collection; and maintain your property with the least effort and money.

The book also includes templates for all the documents the prospective landlord needs.

Herman Mashaba rose from humble beginnings to become one of South Africa’s wealthiest and best-known entrepreneurs, as well as Mayor of Johannesburg.

His remarkable story begins in a small village in Gauteng, where we meet the cocky youngster who refused to settle for a future that offered nothing. Forced to drop out of university, the determined young man fought to establish the first black-owned haircare company in South Africa. Mashaba struggled every day of his life – against apartheid, with its demeaning laws, and against his competitors to grab market share for his business. In the process, Mashaba learnt lessons that few business schools teach today.

This is a story of survival, and of determination in adversity. It is also a love story between Herman and Connie, his wife of 35 years, who embarked on this journey together. Mashaba shows the importance of having a vision, daring to dream it, and then making it happen. This inspiring book will leave you with the question: “If he did it, why can’t I?”

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.

Today disruption is a part of our daily business vocabulary. We’re all aware of it, and yet many of us still struggle to cope with fast-paced change. How do we take control of our future? What can we do to stop chasing and start attracting – start MAGNETiiZING – the life we want?

In his bestselling What’s Your Moonshot?, global speaker and trend specialist John Sanei explained how the world is changing exponentially. In his follow-up Magnetiize, he challenges business leaders, employees and individuals to become future-ready, asking a selection of thoughtprovoking questions along the way: Is your organisation profit-led or purpose-led? Are you building a fast-paced flash-in-the-quarterly-profit-balancesheet-pan or an elegant legacy? Are you a bystander of disruption or a creator of the future? Are you running away from the darkness or towards the light? How can you find your purpose and build a life in which you attract to you the future of your own making? In answering these and other questions, John explains how to inspire the best people to work with you; how to build an army of superfans (not just clients and consumers); how to build a culture that creates disruption itself (rather than being disrupted); and, ultimately, how to rethink the world we live in.

It’s time to reevaluate the concept and measures of success.

It’s time to stop chasing life, and to MAGNETiiZE the life you want.

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?

Intelligence Isn’t Enough will empower Black professionals, entering the workforce or already at work, teaching them to survive and thrive in the corporate environment.

Anderson, with vast experience at top companies as a professional development manager and coach, shares her knowledge. Insider status has given her access to revelatory industry trends and insights on the harsh realities of corporates. Often, Black professionals struggle the most and become demotivated early on in their professional lives as they lack the necessary skills, most of which aren’t taught at university.

This book will help Black professionals strategically perform in their careers. The author uses her own experience as a mentor, teacher and researcher, as well as the advice and personal anecdotes from 30 successful Black leaders to guide the reader.

By mastering the balance between working on versus working in your career you can start making more strategic decisions critical to your success and advancement in the workplace.

For thirty-five years, Colin Drury’s Management and Cost Accounting has successfully helped learners master the key concepts and processes of management and cost accounting. Now in its eleventh edition, the book retains its trademark clear and accessible style, covering everything students need to know for their management accounting career and exams.

Every chapter has been updated to include an “Employability Skills” question, new review problems from accounting examination bodies and recent examples of well-known international organizations such as ACCA, CIMA and ATT.

The new edition also includes introductions to emerging new technologies such as big data, the Internet of Things and AI.

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. 

An expert guide to managing your time for a happier, more fulfilling existence.

The most precious commodity we own isn't money. It's time. We are allotted just twenty-four hours a day, and we live in a culture that keeps us feeling 'time poor' - like we never have enough. Since we can't add more hours to the day, how can we experience our lives more richly?

Based on Professor Cassie Holmes's wildly popular MBA class at UCLA, Happier Hour demonstrates how to immediately improve our lives by changing how we perceive and invest our time. Holmes provides empirically based insights and easy-to-implement tools that will allow you to:

• Spend your hours optimally and feel confident in your choices
• Side-step distractions
• Create and savour moments of joy
• Design your days and weeks with purpose
• Look back on your years without regret

Enlivened by Holmes's upbeat narrative and groundbreaking research, Happier Hour will teach you how small changes can have an enormous impact - helping you feel less overwhelmed, more present and more satisfied with your life overall - things that money can't buy. It all starts by transforming just one hour into a happier hour.

Being an entrepreneur is hard. What do you do when all the financial indicators are telling you your business is failing and you are a failure too? You know that you do have something special to offer and can ultimately succeed, but how do you overcome the odds of entrepreneurial failure? In his first book Raiz looked at what is takes to start a new business, in this, his second book, he explains how to get past the temptation to give up on your own business. Raiz uses a case study to show entrepreneurs how to face down the ultimate business survival questions: Do I concede or do I carry on? Do I find a way to build my business or do I get a job? Do I follow my head or risk following my heart? Allon has faced the same challenges himself and has coached countless business people through their own entrepreneurial journeys. A must read for entrepreneurs and business people who are facing failure and want to give up.

Uncover the unique qualities within YOU that will lead you to find your true purpose, a meaningful career, and show you how to live your biggest life.

"I know I have a bigger purpose, but how can I find it?" Dermalogica founder Jane Wurwand shows you how to turn your unique traits and experiences - especially the ones you may think are your biggest setbacks, into the tools you need to make your dreams a reality.

This is not a memoir. This is the journey of how Jane, and how you can find yourself and purpose by harnessing the resilience and creativity within you to drive your own success.

Sharing lessons learned, from starting a business on 14,000 dollars of self-funding to growing a multi-million-dollar international brand with a cult-like following, Jane takes you through her real-world experience so you can learn:

• How to look inward to find your true purpose and let it guide you to live your biggest life.
• How to discover what type of work will fulfill you and infuse your life with meaning and value.
• How to overcome seemingly insurmountable challenges between the life you’re living now and the life you know you deserve.
• How to achieve great success by doing what you love.

Business leaders, professionals, entrepreneurs—you don’t have to feel stuck or frustrated any longer, get ready to find your purpose and start living your biggest life. After applying the lessons in Skin in the Game, you will be able to look towards a new future, confident in the choices you are making in your life, in your career, and in your impact on the world.

Reading Skin in the Game, you discover the ‘why’ behind Dermalogica’s business model, that the Harvard Business Review called ‘brilliant’, and how the brand turned a skincare product line and salon training platform into a recognized symbol of women’s entrepreneurship around the world.

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.

In his mega bestseller, Thinking, Fast and Slow, Daniel Kahneman, world-famous psychologist and winner of the Nobel Prize in Economics, takes us on a groundbreaking tour of the mind and explains the two systems that drive the way we think.

System 1 is fast, intuitive, and emotional; System 2 is slower, more deliberative, and more logical. The impact of overconfidence on corporate strategies, the difficulties of predicting what will make us happy in the future, the profound effect of cognitive biases on everything from playing the stock market to planning our next vacation―each of these can be understood only by knowing how the two systems shape our judgments and decisions.

Engaging the reader in a lively conversation about how we think, Kahneman reveals where we can and cannot trust our intuitions and how we can tap into the benefits of slow thinking. He offers practical and enlightening insights into how choices are made in both our business and our personal lives―and how we can use different techniques to guard against the mental glitches that often get us into trouble. Topping bestseller lists for almost ten years, Thinking, Fast and Slow is a contemporary classic, an essential book that has changed the lives of millions of readers.

Everyone has an idea that they believe could be a business. As you read this blurb that idea is in your head, isn't it? But so is the fear of failure, the apprehension to take that first step and the concern that you don't have what it takes.

Very few people take the leap but with the economy turned upside down by Covid-19, there is no better time to get started on your side hustle – to experiment and generate extra income.

Entrepreneur Nic Haralambous has spent 20 years building businesses, learning the hard lessons and figuring out what it takes to launch a side hustle. In this book, he helps you take the first steps towards that side hustle you’ve been dreaming about.

‘In a time when success is a mere hashtag and self-worth is determined by adoration on Instagram, it’s tempting to think that success is instant and easy. But the truth is that most of us are failing every day. Testing. Iterating. Trying. Even in the face of overwhelming odds. So how you make the jump? If you have a side hustle, how do you scale it? Nic’s personal journey, his humorous style and engaging stories from the trenches of business will help you – the true entrepreneur – make some sense of the madness.’ – Vusi Thembekwayo

‘Practical. Personable. Searingly honest. Everyone should have a side hustle. But not before reading this book.’ – Bruce Whitfield

For over forty years, Management and Cost Accounting has helped learners master the intricacies of accounting through a successful blend of theory and practice. The Student Manual is a practical companion to the corresponding new edition of Management and Cost Accounting, featuring a wealth of questions for each chapter topic which empower students to practise and reinforce key concepts of management and cost accounting. This eleventh edition has been comprehensively revised by Colin Drury's colleague and friend, Mike Tayles, in line with the author's plans and notes.

For nearly three decades, the ANC has held South Africa’s politics in an iron grip. With the party seemingly at war with itself and President Ramaphosa battling to rein in corrupt cadres, Ralph Mathekga predicts the ANC will fall below the critical 50 per cent threshold before the end of the decade.

The decline of the ANC could bring political reform, but also uncertainty.

If the ANC loses power, who will be in charge? Who or what will come after the ANC, and how will this affect South Africa?

The inscription on the Oracle of Delphi says: 'Nothing in excess.' C.S. Lewis described temperance as going to the 'right length but no further.' Easy to say, hard to practice - and if it was tough in 300 BC, or in the 1940s, it feels all but impossible today. Yet it's the most empowering and important virtue any of us can learn.

Without self-discipline, all our plans fall apart. Here, Ryan Holiday shows how to cultivate willpower, moderation and self-control in our lives. From Aristotle and Marcus Aurelius, to Toni Morrison and Queen Elizabeth II, he illuminates the great exemplars of its practice and what we can learn from them.

Moderation is not about abstinence: it is about self-respect, focus and balance. Without it, even the most positive traits become vices. But with it, happiness and success are assured: the key is not more but finding the right amount.

Providing an in-depth exploration of the formation, building, development, and evolutionary phases of sustainable alliances, this book presents a new perspective on organizational change that goes beyond modern institutions and offers practical insights on how to cope with paradoxes in the life cycle of alliances. Combining theoretical ideas, practical concepts, and critical reflections on the topic, this insightful and timely book supports the conception and progression of purpose-driven alliances which contribute to a more positive and sustainable world. The authors present a historical overview of alliances, as well as discussing the factors pertaining to the successes and failures of collaborating organizations. The book further outlines the life cycle of sustainable alliances, using the Global Alliance in Management Education (CEMS) and the Global Alliance for Banking on Values (GABV) as contemporary case studies. Analysing the strength and scope of alliances, it explores opportunities for these partnerships to contribute to a sustainable future. Offering inspiration and guidance for those looking to contribute to profound economic and social change, this book will be an invaluable resource for students and scholars of business management, international business, and sustainable development, as well as the new generation of business people. It will also be beneficial for consultants, leaders, and managers who are dedicated to the creation and development of global alliances.

From the New York Times bestselling author of The $100 Startup, comes a captivating guide that explains how to thrive in today's turbulent global economy. Burdened with massive debt, stagnant wages and the ever-rising cost of living, a growing number of millennials and gen-Z are abandoning the traditional nine-to-five model of work, instead turning to the ecosystem of largely unregulated, decentralized platforms to pursue a host of novel ways to make money. In Gonzo Capitalism, New York Times bestselling author and serial entrepreneur Chris Guillebeau explores this brave new world – from the Texas software rep who earned $80,000 sending potatoes in the mail, to the British teenager who earned nearly $500,000 naming other people’s babies, to the community of online gamers getting ‘paid to play’. Along the way, he shows you how our economy really works and reveals how you can capitalize on the new tools and platforms at our disposal, and come up with your own unconventional ways to turn your time and talents into income.

THE MILLION-COPY BESTSELLER If you can change your mind you can do anything. Why do we refresh our wardrobes every year, renovate our kitchens every decade, but never update our beliefs and our views? Why do we laugh at people using computers that are ten years old, but yet still cling to opinions we formed ten years ago? There's a new skill for the modern world that matters more than raw intelligence - the ability to change your mind. To have the edge we all need to develop the flexibility to unlearn old beliefs and adapt when the evidence and the world changes before us. Told through fascinating stories, informed by cutting-edge research and illustratedwith amazing insights from Adam Grant's conversations with people such as Elon Musk, Hilary Clinton's campaign team, top CEOs and leading scientists, this is the ultimate guide to keeping your thinking fresh, learning when to question your ideas and update your own opinions, and how to inspire those around you to do the same.