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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 finansiŽle posisie te verbeter nie?
Hierdie boek bied jou wenke hoe om uit jou finansiŽle verknorsing te kom. Dis ’n versameling riglyne wat finansiŽle adviseurs wÍreldwyd nuttig gevind het. Die planne word in eenvoudige taal en maklik verstaanbaar aangebied. Jy hoef nie ’n finansiŽle 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 Ė accessibility, grounded in South African context, with strong academic support Ė 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 finansiŽle bestuur. Die kundigheid van kenners van gerespekteerde finansiŽle 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 finansiŽle 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 Ďwe are all in servicesí. 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 todayís market and itís 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!
THE SECRET BARRISTER: `Doing Justice is simply, utterly brilliant. Preet Bharara expertly weaves real-life stories of law and disorder into a compelling examination of our collective understanding of justice. This is no greatest hits parade of a prosecutor boasting about the bad guys he's locked up; it is a clarion call for the rule of law, bursting with humility and humanity. A desire for fairness - to suspects and defendants as well as the victims - is the touchstone for every chapter; a vital and urgent contribution in an age when established principles of justice and the rule of law are under attack across the world. I read this book as a junior lawyer and thought to myself, at every page, this is the kind of prosecutor I want to be when I grow up' Multi-million-dollar fraud. Terrorism. Mafia criminality. Russian espionage. For eight years Preet Bharara, United States Attorney for the Southern District of New York, successfully prosecuted some of the most high-profile crimes in America. Along the way he gained notoriety as the `Sheriff of Wall Street', was banned from Russia by Vladimir Putin and earned the distinction of being one of the first federal employees fired by Trump. In Doing Justice Bharara takes us into the gritty, tactically complex, often sensational world of America's criminal justice system. We meet the wrongly accused and those who have escaped scrutiny for too long, the fraudsters and mobsters, investigators and interrogators, snitches and witnesses. We learn what justice is and the basics of building a case, and how judgement must be delivered not only with toughness, but with calmness, care and compassion. This is not just a book about the law. This is a book about integrity, leadership, decision-making and moral reasoning - and one that teaches us how to think and act justly in our own lives.
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 vermoŽns 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.
In today's world, we are constantly overloaded with positive messages, such as "follow your passion," or "dream big," that are supposed to spark change and accomplishments in our lives. But why doesn't anyone ever give practical advice on how exactly to achieve those lofty goals?
TINY LEAPS, BIG CHANGES explores the reality behind personal development--that all big changes come from the small decisions we make every day. Using scientific and psychological research, Gregg Clunis shows you what hidden factors drive our behavior and gives you the tools to form helpful, daily habits to accomplish your goals.
After reading TINY LEAPS, BIG CHANGES, you'll know how to crush procrastination, double your productivity, and lessen the gap between what you want for your life and how you get it.
Watter rol speel emosionele intelligensie in gesonde en effektiewe leierskap?
’n Gesonde span begin by ’n gesonde leier, en die kern van hierdie dinamika is emosionele volwassenheid – die eien≠skap waaroor alle werklike groot leiers beskik.
Leierskap en emosionele intelligensie kombineer Bybelse beginsels, die nuutste navorsing oor die brein en dekades se praktiese ondervinding om jou te wys hoe om jou leierskap en span na die volgende vlak te neem. Dit sal jou toerus om:
∑ emosionele volwassenheid in jouself en ander te kweek
∑ die vier gewoontes van besonderse leiers te ontwikkel
∑ ’n sterk groepsidentiteit te vestig en uit te bou
∑ verhoudings belangriker as probleme te hou
∑ produktiwiteit te verhoog deur vertroue, vreugde en betrokkenheid
Aan die einde van elke hoofstuk is daar ’n afdeling wat die wetenskap van die brein bespreek, asook besprekings≠vrae, en in sommige hoofstukke oefeninge om die buiten≠gewone gewoontes in te oefen. En agter in die boek is ŉ woordelys.
As jy jou organisasie na die volgende vlak wil neem, moet jy weet dit begin by jou. Leierskap en emosionele intelligensie sal jou toerus om vreugdevolle, emo≠sioneel volwasse en verhou≠dingsgedre≠we spanne te lei.
Ook beskikbaar in Engels onder die titel Rare Leadership.
'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.
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