Discover a structured, applied approach to behavioral finance with the first academic text of its kind--Ackert/Deaves' BEHAVIORAL FINANCE: PSYCHOLOGY, DECISION MAKING, AND MARKETS. This comprehensive text--ideal for today's behavioral finance elective--links finance theory and practice to human behavior. The book begins by building upon the established, conventional principles of finance before moving into psychological principles of behavioral finance, including heuristics and biases, overconfidence, emotion and social forces. Readers learn how human behavior influences the decisions of individual investors and professional finance practitioners, managers, and markets. The book clearly explains what behavioral finance indicates about observed market outcomes as well as how psychological biases potentially impact the behavior of managers. Readers see, first-hand, the implications of behavioral finance on retirement, pensions, education, debiasing, and client management. This book spends a significant amount of time examining how behavioral finance can be used by practitioners today. Readers utilize theory and applications in every chapter with a wide variety of end-of-chapter exercises, discussion questions, simulations and experiments that reinforce the book's applied approach.

The Steinhoff crash wiped more than R200bn off the JSE, erased half the wealth of tycoon Christo Wiese and knocked the pension funds of millions of people.

When it was exposed as a house of cards, tales of fraudulent accounting, lavish spending and ructions in the ‘Stellenbosch mafia’ made the headlines. As regulators tally up the cost, Financial Mail editor Rob Rose reveals the real inside story behind Steinhoff. Based on interviews with key players in South Africa, the UK, Germany and the Netherlands – and documents not yet public – Steinheist reveals:

• How Bruno Steinhoff formed the company in the Communist bloc and apartheid South Africa;
• How the ‘Markus myth’ grew thanks to a ‘bit of luck’ in a 1998 takeover;
• How Jooste insiders shifted nasty liabilities off Steinhoff’s balance sheet to present a false picture of the profits;
• How Wiese was lucky to lose only R59bn and; and
• What happened behind closed boardroom doors in the frantic week before Jooste resigned.

What do you need to know about financial innovation, financial liberalisation and deregulation? Do you know what purpose monetary policy serves in the economy? What is the role of interest rates?

The second edition of Monetary Economics will look into these matters and other topical issues such as the subprime crisis. The text uses a step-by-step approach to technical areas such as formulae and graphs.

The book takes a look at South African as a developing country within the wider global arena. Monetary Economics is written in a concise and accessible level for Economics students at senior undergraduate and Honours level.

She was confident, beautiful and financially secure. When she arrived in London with her daughter the future looked bright and she was hoping for a lasting, mature relationship. But within days, things started to go wrong. Was he manipulating her? Maybe it was all in her head? She started a diary, evidence to reassure herself that she wasn’t going mad. This is the true story of a strong, independent woman's descent into abuse, and how she eventually escaped.

Criminal defense lawyers must make their peace with one harsh fact of life: most of their clients are guilty. Yet when William Tucker, a celebrated and self-centered star college football player, is suddenly arrested and charged with the brutal rape and murder of a college co-ed two years before, his broken-down, drunken estranged father Frank can't believe he's guilty. What father could?

But Frank is also an ex-criminal defense lawyer. Now Frank must find a way to sober up and save his son from the death penalty sought by an ambitious district attorney.

Can a father's love for his accused son save him from death?

This 16-track album is a sonic journey grounded in Demi Lovato's rock and pop-punk roots and illustrates an earnest yet tongue-in-cheek retrospective of their life experiences.

Die Koors het byna almal gevat. Maar nie dertien jaar oue Nico Storm en sy pa, Willem, nie.

Deur ’n Suid-Afrikaanse landskap feitlik sonder mense, met al hoe minder blikkieskos in die verlate winkels, Koeberg-bestraling in die Wes-Kaap en al hoe meer moorddadige hondebendes – én mensebendes – swerf Nico en sy pa, op soek na ’n plek om die samelewing weer te vestig.

Wanneer hulle dit eindelik sover het by die ou Vanderkloof – nou Amanzi – met ’n groepie swerflinge wat saam van voor af wil begin, steek al die ou sondes van die mensdom kop uit. Gou is Amanzi op geloofs- en politieke lyne verdeel, en verdediging teen die swaar gewapende motorfietsbendes wat dwarsoor Suid-Afrika plunder en moor raak al hoe moeiliker. En wat van die geheimsinnige, yskoue Domingo, wat by Amanzi aangery kom op ’n motorfiets van sy eie en spoedig as paramilitêre leier ontpop – kan hý ooit vertrou word?

Dis nie lank nie, of moord kom inderdaad ook na Amanzi …

In Koors vertel die volwasse Nico Storm die verhaal van die moord op sy pa. Dit is ’n aksiebelaaide nuwe rigting vir Deon Meyer, met al die aspekte wat lesers van sy spanningsfiksie verwag en nog vele nuwe lekkertes daarby.

Born in the old Transvaal town of Schweizer Reneke, Essop Pahad started on a path of political activism from his parents' flat in Becker Street, Ferreirastown, where an all-welcome policy prevailed and visionaries of the Congress alliance, such as Yusuf Dadoo, Walter Sisulu, O.R.Tambo, Nelson Mandela and Ahmed Kathrada were regular visitors. His parents instilled in the family strong anti-racist principles and a genuine concern for all human beings regardless of race, class or religion.

A graduate of the 'Congress School' in Johannesburg, Essop's growing commitment to social justice was nurtured by teachers who were among the struggle's most eminent leaders. An executive member of the Transvaal Indian Youth Congress, Essop was banned in 1964 and went into exile in the UK where he was recruited into the South African Communist Party (SACP). In 1973 he studied at the Lenin Party School in Moscow and then worked in Prague representing the SACP on the editorial board of the World Marxist Review for a decade.

During this time he was sent by the ANC for military training with Umkhonto we Sizwe in Angola, which he was unable to complete as he contracted malaria. Essop returned to South Africa in 1990, where he played a central role in shaping our new democracy.

A Life Committed is the memoir of a revolutionary whose diverse experiences with other progressive people and movements, local and international, enabled him to deepen his understanding of how to better face the challenges confronting South Africa, Africa and the world. The book is spiced with anecdotes from his impressive memory archive and lightened by his mischievous sense of humour. Profiles of his mentors and friends from liberation movements and workers' parties provide insight into the extent of the fierce integrity,compassion and humanity of the author.

Since the very first publication of The Secret a decade ago, Rhonda Byrne's bestselling book has brought forth an explosion of real people sharing real stories of how their lives have miraculously changed for the better. How The Secret Changed My Life presents a selection of the most heartwarming and moving stories in one inspirational volume.

Each story provides an authentic, real-life illustration of the pathway that leads to success in every area of life: money, health, relationships, love, family and career.

The people in How The Secret Changed My Life show time and again that no one is excluded from living the life of their dreams.

Published annually, Sky Guide Southern Africa  is a practical resource for all stargazers, whether novice, amateur or professional. It highlights the cosmic events for each month of the upcoming year, including planetary movements, predicted eclipses and meteor showers.
 
Star charts plot the evening sky for each season, facilitating the identification of stars and constellations. The guide contains a wealth of information about the Sun, Moon, planets, comets, meteors and bright stars, and includes photos, diagrams, charts and images.
 
The most trusted guide to the southern skies.

Hoe ver sal jy gaan om jou kind te beskerm?

Inwoners van Makulu Manzi het skaars herstel van die kinderpornografieskandaal wat die dorp vroeër die jaar getref het. Nou is daar gerugte van moetiemoorde en ekstremistiese groepe wat kinders werf vir selfmoordbomaanvalle. Die plaaslike skool stuur rebelse tieners na regrukkampe, en selfs georganiseerde bloedskenking word met agterdog bejeën.

Wanneer Daleen Boshoff se dogter tydens ’n uitstappie op die lyk van ’n tienerseun afkom, ruk dit die fondament onder hul uit. Is dit inderdaad moord vir moetie? Of hou die vermiste kinders verband met die bomaanvalle teen die kus van Afrika?

Rooigety is die opvolg van Dooiegety (2019).

Are you struggling today? Do you look back and long for what used to be, or are you looking ahead and have no idea what's coming? Are you stuck in the middle of a mess because life has not turned out as you expected? When you run to God for answers, do you often feel like you aren't getting them--or at least aren't getting the answers you want? Are you holding on . . . but not sure how much longer you can?

In times of not knowing, Sheila Walsh offers a lifeline of hope. With great compassion born of experience and hardship, Sheila comes alongside the hurting, fearful, and exhausted to remind us that we serve a God who is so much greater than our momentary troubles, no matter how insurmountable they feel. Sheila doesn't offer a quick fix. She offers a God fix. Sharing from her own painful struggles and digging deep into biblical stories of rescue, hope, and miracles, she gives you the strength to keep going, to keep holding on to God in a world turned upside down.

All of us feel it at one time or another. The sense that this life has not turned out as we thought it would. That somewhere along the line we took a wrong turn. That our puzzle is missing a few pieces. It shows up in our hearts and minds as loneliness, regret, fear, the feeling that with one wrong move everything will spin out of control or come crashing down. In those dark moments and difficult seasons of life, it's hard to hold on to hope. Sheila offers hard-to-come-by answers that glisten with honesty, and she shares with you a powerful truth: you are not forgotten, overlooked, or pushed aside.

Your story is simply not finished yet.

In these pages, you will discover that you are loved, cherished, and held in the sure grip of the God who rescues us, who keeps His promises, who performs miracles . . . who changes everything.

Nomavenda Mathiane stumbled upon her grandmother’s story well over a century after the gruelling events of the Battle of Isandlwana that formed her life. Astounded to hear how her grandmother had survived the 1879 Anglo-Zulu War between the British and Zulu nations as a young girl, Mathiane spent hours with her elder sisters reconstructing the extraordinary life of their grandmother. The result is a sweeping epic of both personal and political battles.

Eyes In The Night is a young Zulu woman’s story of drama, regret, guilt and, ultimately, triumph – set against the backdrop of a Zululand changed beyond recognition.

A true story almost lost, but for a chance remark at a family gathering.

Wat is die geheime en strategieë van die uitgelese groep wat welvaart skep, hetsy as entrepreneurs, professioneles of salaristrekkers, én boonop daarin slaag om hul geld te laat groei, te geniet en oor te dra na komende generasies?

In Word ryk, bly ryk help Geo en PJ Botha, onafhanklike finansiële adviseurs en medeaanbieders van kykNET se gewilde Welvaartskeppers, gewone Suid-Afrikaners om geld te maak in ’n uitdagende omgewing en dit te laat groei. Hulle begelei jou op jou reis na rykdom en die vrugte daarvan.

Suksesstories van entrepreneurs soos Michael Jordaan, Albé Geldenhuys en Whitey Basson sal jou ’n kopskuif help maak om geleenthede raak te sien in moeilike ekonomiese omstandighede. Die skrywers se maklik verstaanbare finansiële ekspertadvies, gemik op die kweek van goeie gewoontes, rig jou fokus en ondersteun jou op jou welvaartreis.

Healing Through Words is a guided tour on the journey back to the self, a cathartic and mindful exploration through writing.

This carefully curated collection of exercises asks only that you be vulnerable and honest, both with yourself and the page.

You don't need to be a writer to take this walk; you just need to write - that's all.

Did you know that AI helped to win the 2023 Rugby World Cup for South Africa? That Africa led the way in small language models? That AI has been supporting farmers in Kenya for the last decade? After reading, you will understand the present and future of AI, and The Hitchhiker’s Guide to AI: The African Edge particularly the distinct advantages presented by and for AI on the African ccontinent.

The book draws on the author’s many years of direct access to global and regional leaders in using AI, from Africa to the Middle East to North America to Europe and Asia, and it provides unique perspectives on generative AI, as well as practical advice for using it.

The Hitchhiker’s Guide to AI is useful for consumers, academics, professionals and anyone in business who wants to get up to speed quickly and practically. It also entertains and inspires anyone who is curious about AI or already engaged in its possibilities.

What can business learn from the use of AI in sports? How can educators embrace AI as a tool rather than a threat? When will AI truly transform health, travel, agriculture, entertainment, shopping and personal services? This book has the answers.

Hierdie boek is ’n universele gids oor alles wat Jan Braai tans oor braai weet. Dit is ’n viering van hierdie wonderlike Suid-Afrikaanse tradisie waaraan 15–20 miljoen Suid-Afrikaners elke jaar op 24 September op Nasionale Braaidag deelneem. Om hierdie kulturele gebeurtenis se 20ste herdenking te vier het Jan Braai meer as 200 resepte bymekaargesit wat oor ’n houtvuur gaargemaak en daar langsaan geniet kan word.

Die boek is in 20 hoofstukke verdeel en sluit resepte in vir tradisionele gunstelinge soos klassieke potjies, steaks, burgers en ribbetjies, tot minder konvensionele geregte wat op die braai voorberei word, soos pasta, pizza, slaai en nagereg. Elke gereg is smaaklik en die meegaande fotografie sal jou mond laat water en jou familie en vriende geesdriftig op ’n samekoms langs die vuur laat aandring terwyl jy jou braaivaardighede ten toon stel. Jan Braai se duidelike instruksies en nugter houding teenoor die braaikuns sal verseker dat selfs groentjiebraaiers hierdie resepte maklik baasraak.

Daar is iets vir almal in hierdie boek, en die maklik verkrygbare bestanddele beteken dis verspot maklik om die maaltye saam te stel, aangesien die meeste items waarskynlik reeds byderhand is, of met min moeite of ’n vinnige rit na die supermark in die hande gekry kan word.

Ook beskikbaar in Engels, as 'Atmosfire'.

Introductory Questions on SA Tax is the first of three publications in the Questions on SA Tax series designed to provide comprehensive tutorial coverage to taxation students. This book covers foundational topics typically dealt with in the first year of the study of tax at an undergraduate level.

This tutorial book includes questions and selected solutions on South African income tax and value-added tax. Up-to-date questions are graded, allowing students to develop their abilities at an introductory level.

A selection of tutorial solutions is included in the book, and solutions to all questions are provided to lecturers at prescribing institutions. Mark plans are allocated to solutions.

This fourth edition of Strategic Marketing has been revised and updated to include the latest trends and examples in business. This edition provides a concise and thorough look at the strategic business issues todays managers must cope with.

The focus is on how organisations need to adapt and cope with the demands from the global and local business environment, and in the process better understand their responsibilities their own organisations needs and their own products and other offerings.

Over the years and with all the new developments in the world and technological advances, the four key questions all organisations must answer still remain as follows:

• Where are we now?
• Where do we want to be?
• How will we get there?
• Did we get there?

These questions sound easy and straight forward but it is not as simple as it sounds. It requires a thorough understanding of the organisation and all the elements in the business environment that can and will impact on the business. This edition addresses these questions in an easy to understand and practical manner and covers a range of topics including an analysis of the external business environment, a detailed analysis of customers and competitors, market analysis, analysing the internal environment. There after the focus moves to marketing strategy and metrics which is applicable to organisations and the importance thereof, and added to this is the management of customer experiences and market strategies, and a global view of strategic marketing from the organisation’s perspective.

The Great Marula Menu  is a delicious collaboration between Amarula and passionate home cooks from across South Africa. A curation of the best Amarula-inspired recipes shared by devoted Amarula fans, the book is a true reflection of community and a shared love of great flavours. With contributions from renowned culinary figures The Lazy Makoti and J’Something, who bring their unique talents to the table, The Great Marula Menu promises a cultural journey through diverse South African home cooking.
 
From tasty lunches to moreish mains, scrumptious desserts and inspired cocktails, each recipe contains either a splash or a generous pour of this world-famous liqueur. But more than this, the book is a tribute to the land where the marula trees grow. Gathered within these pages, you’ll find a representation of this nation’s vibrant imagination – all brought together in the spirit of generosity. It’s a delightful blend of Amarula’s spirit, culinary expertise and the warmth of home cooking, inviting everyone to savour the rich tapestry of South Africa’s food culture.

Mia Steyn is nog bloedjonk wanneer haar broer haar een laatmiddag by ’n losieshuis in Bloemfontein, aflaai. Dis toe sy ’n stowwerige boekwinkel instap dat Mia besef dis waar sy wil werk. Kort voor lank vind sy haar voete, én verloor sy haar hart.

Die laaste kanariegeel notaboek is die jongste roman uit die pen van blitsverkoperskrywer Anchien Troskie. Niks is ooit soos dit lyk op die oppervlak nie, besef ’n mens weer met die lees van hierdie aangrypende storie binne 'n storie.

In die jare 1891 tot 1893 het ongeveer 770 persone Transvaal verlaat en na Angola en Duits-Suidwes-Afrika getrek om hulle heil daar te soek. Dit staan bekend as die “sesde” Dorslandtrek.

Sowat 45 De Jagers het in verskillende groepe aan hierdie epiese trek deelgeneem. Ná die sesde Dorslandtrek het hulle tussen Angola, Suidwes-Afrika, Suid-Afrika en selfs Kenia rondgeswerf en verdere avonture oor die hele Suider-Afrika beleef. Sommige De Jagers het in 1928 van Angola na Suidwes-Afrika getrek en hulle daar gevestig, terwyl ander eers in 1958 uit Angola gerepatrieer is.

Uit die beperkte beskikbare bronne is die verskillende trekroetes van die sesde Dorslandtrek gerekonstrueer en vir die eerste keer word ’n kaart van die verskillende trekroetes gepubliseer. ’n Geslagregister van bykans 1800 afstammelinge en aangetroude familielede van die De Jagers van die sesde Dorslandtrek en byna 500 foto’s vorm ’n omvattende beeld van hierdie familiegeskiedenis.

Detective Ruben Ellis wants to die. The only reason he hasn’t killed himself is because he first needs to hunt down the man who kidnapped and murdered his daughter.

Meanwhile, another victim is being held captive in a twisted underground dystopia. But does Ruben have enough will left to find her in time? Can his partner, Zander, and his brilliant therapist, Melissa, help him unravel a mystery as dark and unseen as the gold mines that run deep beneath the streets of Johannesburg? And will they discover the mind-bending truth about Thing – the deeply troubled figure in the basement?

Now You Suffer is a chilling and wholly unforgettable thriller – the first in bestselling author Gareth Crocker’s riveting new Ruben Ellis series.

Ward D is the hospital's mental health unit and as a medical student, Amy is required to gain experience on the floor. But little do her colleagues know it may force her to confront a past she's fought hard to forget.

The night starts. The countdown begins.

As the hours tick by, Amy grows increasingly convinced something terrible is happening within the ward's tightly secured walls. When patients and staff start to vanish without a trace, it becomes clear that everyone on the unit is in grave danger.

Amy never wanted to spend the night on Ward D. Now she might not make it out alive.

In Ward D, #1 New York Times bestselling author Freida McFadden delivers a taut, locked room thriller that will make you want to leave the light on…

Tex Texeira se wittebrood in die Caprivi word wreed onderbreek.

’n Agent van ’n geheime Mosambiekse ondersoekeenheid het die gevreesde Mecau-dwelmkartel geïnfiltreer en inligting ontdek wat só sensitief is dat hy niemand anders as Tex daarmee sal vertrou nie. Die rede: dit betrek ’n hooggeplaaste Suid-Afrikaner.

Die agent moet dringend bereik word . . . solank Tex die aandag van Islamitiese ekstremiste kan vermy. En die kruishaar van ’n sluipskutter wat die Mecau-luitenante meedoënloos uitwis.