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.

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.

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.

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.

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.

This update of Fresh Perspectives Human Resource Management, provides comprehensive content for undergraduate courses in human resource management. The book maintains the characteristic features that led to the success of the first edition – accessibility, grounded in South African context, with strong academic support – and introduces a variety of enhancements in the new, streamlined two-colour design.

Why is it that some people work hard, yet remain poor? How is it that others seem to rise out of poverty and become affluent in a short span of time? The answers are in this little book, which everyone should read at some point in their life. If they did, they would know how to become rich relatively quickly. If not, they might spend years working back-breakingly hard, without ever breaking even. That’s how powerful the principles contained in this book are.

The answers to escaping poverty and becoming wealthy are actually well known; they have been tested by time and replicated in different countries, by families and by individuals who have become astonishingly rich. And when you simply follow the principles, they work.

So what are these principles that genuinely lift people out of poverty and ensure their personal wealth? Here are 50. They all work. They will make you richer. They remove the emotion, the politics and the clutter from our thoughts about wealth, and they go straight to the heart of one simple issue: what it genuinely takes to become rich. Prepare to train your brain for wealth. Prepare to become ‘poverty proof ’ for life.

Your step-by-step guide to financial peace of mind! How can you become financially secure with the resources at your disposal? What is the safest way to invest and accumulate money? And why is it never too late to start planning your financial well-being? In this new, updated edition of the bestselling Become Your Own Financial Advisor, all of this, and much, much more, is explained.

Money plays a role in nearly every aspect of our lives, and yet very few of us know how to save, where to invest and how to avoid money troubles. This highly accessible book is aimed at anyone who wants to improve their financial situation, from the financial novice who needs clear basic guidelines on how to deal with money, to those who are more financially savvy but want to supplement their knowledge.

Covering a range of topics, from saving, investing, debt management and buying a house to blunders to avoid, Become Your Own Financial Advisor provides people of all ages and levels of wealth with practical information on how to improve their finances. In the process, it shows that financial freedom is possible for everyone. This, the second edition of Become Your Own Financial Advisor, has been updated with new types of investments, fresh approaches to technology, the latest tax information and further feedback on ‘Julia’, the savings rock star.

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.

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.

It’s time to think differently about finances if you:

• Can’t wait for the end of the month

• Wonder whether you will be able to retire in comfort

• Blame others for your financial situation

• Feel guilty when you want to enjoy your money

• Believe that it is impossible to save every month

• Doubt if you will ever be free of debt

MONEY WISE WOMAN will guide you in your beliefs about money in order to create wealth. In 52 lessons you will learn everything you need to know about finances, in a language you will understand. Our expert gives creative ideas for a passive income and shows you how to have more savvy with money.

Become as rich as you want to be!

'A fascinating hybrid. Part freewheeling history of the rise of the modern autonomous vehicle, part intimate memoir from an insider who was on the front lines for much of that history, Autonomy will more than bring readers up to speed on one of today's most closely watched technologies' Brian Merchant, author of The One Device From the ultimate insider - a former General Motors executive and current advisor to the Google Self-Driving Car project - comes the definitive story of the race between Google, Tesla and Uber to create the driverless car. We stand on the brink of a technological revolution. In the near future, most of us will not own automobiles, but will travel instead in driverless electric vehicles summoned at the touch of an app. We will be liberated from driving, so that the time we spend in cars can be put to more productive use. We will prevent more than 90 percent of car crashes, provide freedom of mobility to the elderly and disabled and decrease our dependence on fossil fuels. Autonomy tells the story of the maverick engineers and computer experts who triggered the revolution. Lawrence Burns - long-time adviser to the Google self-driving car project (now Waymo) and former corporate vice president of research, development and planning at General Motors - provides the perfectly timed history of how we arrived at this point, in a character-driven and vivid account of the unlikely thinkers who accomplished what billion-dollar automakers never dared. Beginning at a 2004 off-road robot race across the Mojave Desert with a million-dollar purse and continuing up to the current stampede to develop driverless technology, Autonomy is a page-turning chronicle of the past, a diagnosis of the present and a prediction of the future - the ultimate guide to understanding the driverless car and to navigating the revolution it has sparked.