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 struggling financially because they make the wrong decisions after they retire. It is crucial for retirees to apply themselves to securing a sustainable income.

This book provides a 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.

Written in clear and straightforward language by well-known journalist Bruce Cameron and respected financial planner Wouter Fourie, this is the ultimate guide to help you achieve a secure and successful retirement.

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.

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.

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.

Het jy met te min geld afgetree om in jou behoeftes te voorsien? Of is jou situasie so kritiek dat jou maandelikse uitgawes nie meer deur jou aftree-inkomste gedek word nie? Is jy onseker en weet nie wat jy kan doen om jou finansiële posisie te verbeter nie?

Hierdie boek bied jou wenke hoe om uit jou finansiële verknorsing te kom. Dis ’n versameling riglyne wat finansiële adviseurs wêreldwyd nuttig gevind het. Die planne word in eenvoudige taal en maklik verstaanbaar aangebied. Jy hoef nie ’n finansiële kundige te wees om hulle uit te voer nie.

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.

Competitiveness in the New Economy demands streamlined operations and a total organizational effort to more quickly improve bottom-line performance from shop floor to boardroom. The Lean Enterprise Memory Jogger provides quick access to lean principles and practices with comprehensive ?how-to-do-it? guidance on: the goals of the Lean Enterprise, visual management, error proofing, the Kanban System, lean metrics, and more. Introduction to Lean Concepts The Goals of the Lean Enterprise Visual Management Mapping the Value Stream Error Proofing Quick Changeover Standard Operations One-Piece Flow The Kanban System Lean Metrics Total Productive Maintenance A Lean Glossary

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.

Services, whether online or offline, are important in modern economics in which the understanding is that ‘we are all in services’. Service Marketing, a subset of the field of marketing, has evolved and developed a range of theories and models all focused on providing superior services offerings to today’s market and it’s growing expectations of service delivery. New research provides additional contemporary insights into this dynamic and developing area. This text seeks to address the current research and its managerial implications, specifically by including new case studies and integrating new research results and new perspectives on the various aspects of services.

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!

'Great stories, great science, and great practical advice about how, when, and why to break the rules' - Angela Duckworth, international bestselling author of Grit.

Do you want to follow a script ― or write your own story?

Award-winning Harvard Business School professor Francesca Gino shows us why the most successful among us break the rules, and how rebellion brings joy and meaning into our lives.

Rebels have a bad reputation. We think of them as troublemakers, outcasts, contrarians: those colleagues, friends, and family members who complicate seemingly straightforward decisions, create chaos, and disagree when everyone else is in agreement. But in truth, rebels are also those among us who change the world for the better with their unconventional outlooks. Instead of clinging to what is safe and familiar, and falling back on routines and tradition, rebels defy the status quo. They are masters of innovation and reinvention, and they have a lot to teach us.

Francesca Gino, a behavioral scientist and professor at Harvard Business School, has spent more than a decade studying rebels at organizations around the world, from high-end boutiques in Italy’s fashion capital, to the World’s Best Restaurant, to a thriving fast food chain, to an award-winning computer animation studio. In her work, she has identified leaders and employees who exemplify “rebel talent,” and whose examples we can all learn to embrace.

Gino argues that the future belongs to the rebel ― and that there’s a rebel in each of us. We live in turbulent times, when competition is fierce, reputations are easily tarnished on social media, and the world is more divided than ever before. In this cutthroat environment, cultivating rebel talent is what allows businesses to evolve and to prosper. And rebellion has an added benefit beyond the workplace: it leads to a more vital, engaged, and fulfilling life.

Whether you want to inspire others to action, build a business, or build more meaningful relationships, Rebel Talent will show you how to succeed ― by breaking all the rules.

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.

Ons is geneig om onsself te onderskat omdat ons daarvan oortuig is dat ons vermoëns beperk is. Maar wat as ons veronderstelde beperkings net ’n illusie is?

In Die impak van jou potensiaal identifiseer en ondersoek John Maxwell die sewentien sleutel-kapasiteite wat elke persoon besit. Ons is met sommige daarvan gebore, soos hoe ons dink of hoe ons aansluiting vind by ander. Die res is keuses, dikwels onbewustelik, wat ons ingesteldhede of persoonlike dissiplines insluit. En daar is ruimte vir groei by almal.

Maxwell gee duidelike en handige advies oor wat ons kan doen om in hierdie verskillende gebiede van ons lewe te groei. Leer hoe om jou emosies te beheer en jou energie te verhoog, hoe om op te hou om dinge uit te stel en meer gemaklik te raak met risiko’s. Sodoende sal jy jou eie verwagtinge oortref en beter word as wat jy ooit gedink het moontlik is.

Ideas are the currency of all future businesses.

A Practical Guide to Business Creativity provides innovative techniques and proven theories to help you improve your creative thinking and get more out of yourself and your business.

Whether you are trying to develop entirely new initiatives or redesign the way you operate, this book will help you break out of your old patterns of thought, think outside the box and generate pioneering ideas that you can put into action.