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This non-fiction book is about the illegal activities in the vehicle and vehicle finance industries. It is factual with hard evidence for all the statements made in the book.
The car industry has been ripping off the public regarding illegal costs that they charge. These include the so called “On-the-road-fees”, “Agents fees”, “Admin fees”, etc. There are also explanations of what goes on behind the scenes at the dealerships – date of 1st registration, which affects your insurance premium, warranty, maintenance /service plan and your eventual trade in. (A 2017 model sold as a 2018).
According to the National Credit Act and the National Consumer Act these fees are illegal. The only fees that may be charged are for registration, licensing, number plates and fuel. In addition to this, they may not make profit on 3rd party “add-ons”, like “Smash & Grab”, “VPS”, etc. which is however done. The banks are not allowed to finance these illegal fees, but do so. This exposé should be read by the whole public as these activities need to stop and the money should be returned to the customers. The book also explains how it is in the process of a Class-action suit against these industries, and they may join in to become part of this.
At this stage the authors have accumulated sufficient material for a sequel, which will be forthcoming in 2019.
Persuasiveness. Influence. A certain ‘something’ that makes it impossible for people to say no. Call it what you will, some people have it. DJ Sbu certainly does - it’s the quality that has helped him evolve from an ambitious boy growing up on Tembisa’s rough streets to a DJ, an entrepreneur, an author, a philanthropist and a speaker who graces stages around the world. In this book Sbu shares the secrets to cultivating this irresistible quality. Using events that have shaped his own life, he reveals how a positive outlook, resilience, hard work and determination can help you win in every sphere.
This inspiring read also acts as a practical handbook, showing you how to apply The Art Of Hustling to become a winning salesperson. It is DJ Sbu’s firm belief that, if you know how to sell, you will never go hungry. He also believes that this simple skill holds the key to solving Africa’s considerable unemployment problem.
His passion for youth development comes through loud and clear in this easy-to-read, easy-to-use handbook. Full of practical examples, sound advice and no-nonsense insights, it’s a must-have for every person who wishes to further their lives and their careers, whether in the corporate world or starting out on an entrepreneurial journey.
DJ Sbu’s career is testimony to his strength, resilience and spirit of innovation; the very qualities needed to get ahead in today’s rapidly evolving business environment. In sharing his story, he hopes to ignite others’ success.
Developing an impactful corporate social investment (CSI) strategy and approach with real potential to positively change people’s lives can be a tricky exercise. Those grappling with how best to approach CSI will find thought-provoking insights in this book that will contribute positively to how they view, shape and execute their CSI strategy. In a most accessible way, this guidebook on CSI presents an instructive and constructive way of building a CSI strategy.
Setlogane Manchidi, Head of CSI at Investec, is known in the CSI space for his passion and strong desire to see meaningful change in people’s lives. In this book, informed by his experiences as a CSI practitioner over the years, he unpacks what he considers to be essential aspects of CSI practice. Manchidi adopts and articulates a question-based approach to creating an effective CSI strategy.
Recognising that business is not separate from society, Manchidi suggests that companies need to ask themselves some serious questions, amongst them: Why should they be doing CSI and, importantly, why are they doing it? The questions, which are reflected on the cover of the book, are difficult ones which require complete honesty, deep consideration and the necessity of placing ‘impact’ at the centre of the formulation of CSI strategy.
Through this book, Setlogane Manchidi reminds us of the significance of a carefully considered CSI strategy and approach, especially in a country such as South Africa with many socio-economic challenges that continue to impact negatively on ordinary people’s day-to-day lives.
On 5 December 2017 the Steinhoff group was still worth R199 billion. Twenty four hours later more than R160 billion of this fortune was wiped out. The Steinhoff Empire which took 20 years to build into an international business giant, had crumbled overnight.
Markus Jooste, Steinhoff’s flashy CEO, resigned via SMS and has since been fleeing an avalanche of scandals and accusations: luxury homes for a blonde mistress, allegations of fraud, racing horses and unparalleled extravagance, a lavish, black Jaguar for an old university residence...
What exactly happened here? Who knew what? What is Steinhoff, who is Markus Jooste and what does it all have to do with the so called Stellenbosch mafia? Where does business tycoon Christo Wiese, Shoprite and Pepkor fit in and where is the pensioners’ money?
Well-known financial writer James-Brent Styan unpacks these and other questions in this astounding tale of power and greed, of secrets and deceit, and ultimately the biggest financial breakdown in the history of South Africa.
Through interviews with trustworthy sources, revelations from confidential documents and in-depth research about Steinhoff’s history, Styan uncovers what the group doesn’t want you to know.
Follow the Money: The story of Steinhoff, Markus Jooste and the Stellenbosch Boys is a gripping financial thriller that will be told as cautionary tale or salacious scandal in both boardrooms and living rooms for decades to come.
A revolution is taking place in the great marketplaces of the informal sector and it contains an unquantified scale and power as an economic engine and a way of life for the majority of our low income populations. The KasiNomic Revolution may still be a murmur in the streets, a grassroots economic groundswell, but it is the future of African economic activity.
Kasi is the South African term for the township – a teeming conurbation of homes and businesses, entertainment venues and social meeting places. GG Alcock uses the term KasiNomics to describe the informal sectors of Africa, whether they are in the township, a rural marketplace, at a taxi rank or on a pavement in the shadow of skyscrapers. Brought up in a rural Zulu community, GG has learnt and shares the lessons of African culture, language, stick fighting, lifestyle and tribal politics, along with shared poverty and community, which have prepared him for accessing the great informal marketplaces of Africa. He is uniquely placed to uncover the extraordinary stories of kasi businesses which not only survive but excel, revealing a revolutionary entrepreneurship which is mostly invisible to the formal sector.
KasiNomic Revolution is a story of kasi entrepreneurs on one side and, on the other, of great corporate successes and failures in the informal community. KasiNomic Revolution is at once a business book, and at the same time a deeply human book about the people and lives of rural and urban informal societies.
KasiNomic Revolution is about the lessons of marketing, distribution, culture and modernity in an informal African world.
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.
Connect: Writing For Online Audiences is a timeous guide for South Africans working in the digital space. It encapsulates the current digital landscape in South Africa, with its constraints and opportunities for reaching audiences via social media platforms, websites, blogs, apps and email. And it is designed to help students as well as industry decision-makers connect with audiences, whether as social media managers, search engine writers, digital analysts, copywriters, content marketing strategists or digital public relations executives.
Primarily, these are all online storytellers and this book aims to assist them in achieving their goals.
The book draws on reputable brands for best-practice examples. It uses South African examples of online campaigns alongside international names to provide a relevant yet globally situated experience for the South African reader. The contributing authors are all well-respected experts in their fields who share their invaluable experience in this book. Connect: Writing for Online Audiences is a must-have on the bookshelf (digital or physical) of every individual reaching out to an online readership.
Licence To Loot is a fast-paced, hard-hitting investigation into parastatal looting, written by journalist Stephan Hofstatter. At the centre of the story is Eskom, the largest power utility in Africa, which could determine the success or failure of South Africa’s economy.
Hofstatter’s story begins in 2016, with the Guptas’ controversial purchase of Optimum coal mine and Eskom chief executive Brian Molefe’s key role in the deal. From there it takes the reader on a journey from secret meetings in London hotel rooms to a clandestinely purchased bolthole on a Dubai golf estate, uncovering the corrupt acquisition of a private jet along the way. From the diary entries of a Saxonwold security guard to first-hand accounts of backroom dealmaking, it traces the origins of a shadowy network between the Guptas and Eskom that ultimately allowed the family to extract billions of rands from the parastatal.
Licence To Loot reveals the complicated deals and machinations underpinning state capture and the subsequent ministerial and board appointments that ceded the control of the country’s parastatals, including Eskom, Transnet, SAA and Denel, to Gupta-linked moneymen.
The book is particularly relevant in the current political climate as it focuses on the impact of state capture, not just its origins, and takes the story beyond the Zuma presidency.
The South African Special Forces achieved exceptional results with small groups of elite soldiers instead of larger, conventional teams. The Team Secret shows that the same principle applies in the business world – a small team has a much better chance of completing projects efficiently, on budget and on time.
Teams, rather than individuals, form the DNA of many companies and they play a pivotal role in achieving strategic and financial success. Like Special Forces teams, they must function as a well- oiled machine firing on all cylinders.
Koos Stadler tells in captivating detail about a real-life Special Forces operation and the lessons learnt about team dynamics and achieving the goal. His story, combined with anecdotes from Anton Burger’s experiences as a team leader in different work environments, show the many lessons the business world can take from the Special Forces.
The book identifies the key characteristics of an effective team, how to select the right team members, how to inculcate an ethos centred around team principles and how an effective team should be led. It speaks to both team members and team leaders across all managerial levels – from a team leader in a call centre to a project manager or CEO.
In short: To fast-track your business, shape up your teams!
In this clear and engaging basic guide to managing your finances, Sam Beckbessinger covers topics from compound interest and inflation to “Your brain on money”, negotiating a raise, and particularly local South African phenomena like “black tax”.
The book includes exercises and “how-to’s”, doesn’t shy away from the psychology of money, and is empowering, humorous and helpful.
The book you wish you’d had at 25, but is never too late to read.
Imagine learning from South Africa’s best of the best in their respective fields – be it business, sport, politics, entertainment or philanthropy – and having access to decades of experience in strategic planning, business and change management, human resources development, and the nitty-gritty of building a personal brand that extends to your business and everyone you employ. Look no further than the 200 pages of WIN! Inspiring Interviews with SA’s Top 20 Leaders by Jeremy Maggs.
With 30 years’ experience in journalism, marketing and public speaking, Maggs chooses the best of the best he has interviewed over the years, and succinctly captures their winning ways, business challenges, some spectacular failures and secrets of their trade to reach their ultimate goals – being winners! The book looks at attaining all brands of success – whether it be how one leader runs a multi-billion-dollar company; how another inspires masses of people to follow a trend, or how an idea can spark the innovation of a product so basic yet so integral to a community’s prosperity.
As you read the book, you will realise there are no hard and fast rules to reaching the top rung of the success ladder – there are unique twists and turns, which enrich each leader’s experience; they are faced with make-or-break split-second decisions; some get a lucky break, while others work, fail and work harder to become the cream of the crop. There is a method for each and every business owner, entrepreneur, manager or franchise owner to make their business bigger, better and a bold example of winning success.
Hulle lieg, bedrieg, gee voor. Hulle verdraai, verdoesel, verduister, verwoes. Geleidelik palm hulle jou vertroue in. Dan, eensklaps, is jy jou geld, status en reputasie kwyt. Só oortuigend doen hulle dit dat selfs die slimste, mees ingeligte mense ’n rat voor die oë gedraai word en eers besef wat hulle getref het nadat grootskaalse skade aangerig is en die gladdebek soos mis voor die son verdwyn het. Maar selfs swendelaars kom hulle moses teë...
Boereverneukers vertel die stories van Afrikaanses wat van ons land se grootste skelmstreke gepleeg het.
Van die karakters is minder bekend by die publiek, maar ander het byna mitiese status in die Afrikaanse psige verwerf, soos die kubuskoning Adriaan Nieuwoudt, die pynmasjienman Gervan Lubbe, die kamma-pediater André Esterhuizen, die Hertzogville-profeet David Francis en die Trustbank-rowers Derek Whitehead en Antonie van der Merwe.
Dalk het jý ook deurgeloop, maar praat tot vandag toe nie graag daaroor nie.
The Definitive Guide to Doing Business in Africa
For global and Africa-based companies looking to access new growth markets, Africa offers exciting opportunities to build large, profitable businesses. Its population is young, fast-growing, and increasingly urbanized--while rapid technology adoption makes the continent a fertile arena for innovation. But Africa's business environment remains poorly understood; it's known to many executives in the West only by its reputation for complexity, conflict, and corruption.
Africa's Business Revolution provides the inside story on business in Africa and its future growth prospects and helps executives understand and seize the opportunities for building profitable, sustainable enterprises. From senior leaders in McKinsey's African offices and a leading executive on the continent, this book draws on in-depth proprietary research by the McKinsey Global Institute as well as McKinsey's extensive experience advising corporate and government leaders across Africa. Brimming with company case studies and exclusive interviews with some of Africa's most prominent executives, this book comes to life with the vibrant stories of those who have navigated the many twists and turns on the road to building successful businesses on the continent.
Combining an unrivalled fact base with expert advice on shaping and executing an Africa growth strategy, this book is required reading for global business executives looking to expand their existing operations in Africa--and for those seeking a road map to access this vast, untapped market for the first time.
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:
Increase your chances of getting a refund from SARS!
If you derive your income from salaried employment and wish to utilise the tax laws in South Africa to minimise your tax liability and maximise your refund from the South African Revenue Services (SARS) upon filing your annual tax return, this book is for you. How To Get A SARS Refund will help you understand why you are taxed the amount that you are, and will assist you in reducing your tax liability. It will also help you to navigate your way through the annual income return (ITR12) for individuals as you complete your return via eFiling.
Topics covered include the basics of understanding individual tax, deductions from taxable income and medical tax credits. The guide also deals with the following types of taxes a salaried taxpayer may become liable for:
With plenty of informative, practical examples, How To Get A SARS Refund sets out in a simple, effective way how to get the most bang for your buck from the taxman.
Like many other African countries, South Africa has performed well in women’s representation in parliament and government, but this has not necessarily translated to other sectors. What are the obstacles to women’s advancement, and what needs to be done about it?
Equal But Different is based on life story interviews from fourteen women from diverse backgrounds, all of whom have risen to top leadership positions. These include Phuti Mahanyele (exec chairman Sigma Capital), Coco Cachalia (CEO Grounded Media), Cora Fernandez (Head of Sanlam Investment Management), and Siza Mzimela (first black woman to lead a commercial airline company). It does an excellent job of illuminating the similarities as well as the differences in the women’s experiences in their struggle to the top.
While this book is mainly aimed at women, it also calls upon men to play an active role in encouraging aspiring female leaders.
“It is my strong belief that people are born equal but different. It is a belief that equity across gender, race, social class and sexual orientation will be attained in my lifetime.” - Dr. Judy Dlamini
Most of the time, the road to riches is a closely guarded secret, until now. Jacana Media presents Mpho Dagada, one such young, self-made millionaire who in his memoir, Mr Bitcoin, shares his story of triumph and failure. He tells his story from the beginning: being brought up by business-minded and accomplished grandparents who planted in him the seeds of what it means to be successful in business.
Mpho Dagada’s interest in Bitcoin was ignited when he was in his first year at the University of Johannesburg in 2013 after opening his own laundry and cleaning service company. He invested his profits from this company in Bitcoin. He currently owns a logistics company, a chain of fast food restaurants and is in the process of developing the first black-owned cryptocurrency exchange platform.
This book is both motivational and practical, examining the errors and pitfalls that Dagada had to go through in his business pursuits. These included falling for Ponzi schemes like Kipi and losing his money on more than one occasion. Through these many lows were lessons of great value which ultimately led to the endless possibilities that Bitcoin presents for those interested in creating wealth through trading cryptocurrencies and running a successful business.
Dagada is confident in the viability of Bitcoin and ascertains that "we will never understand the money of the future without learning how money came about in the first place. Blockchain and Bitcoin are now pioneering a new online financial world. Cryptocurrencies will replace fiat money in the end, as they are faster, better and more convenient than all the earlier forms of currency."
Could you be the Branson of business, the Clarkson of cars or the Schwarzenegger of bodybuilding? Could you stand out as the great and lasting leader of your industry?
In this book, Douglas Kruger takes us on a tour of different worlds and industries, unpacking the answer to a single question: What makes some people leaders in their field? Is it their disproportionate level of knowledge? Their charisma? Their marketing abilities? Is it the way they portray their own identities as ideals to be emulated by tribes of believers, or is it the way they have moved a body of knowledge forward? Most importantly, is it possible for us to emulate their success?
The answer is a resounding Yes!
In What Makes Them Great?, Kruger’s 50 practical, easy-to-follow suggestions spell out exactly what it would take for you to become so formidable within your own industry that your competitors struggle to keep up. Because, when you are the industry leader, the undisputed expert, the entire dynamic changes: the media and the deals come to you; your level of earning is exponentially higher; you enjoy privileged access and extraordinary leeway; you arrive to find the door already open.
Find out what it would take for you to become the Branson of business, the Clarkson of cars, the Oprah of talk-show television, and reap the financial and personal rewards. Find out how you can become the leading name in your industry.
Pepe Marais began his entrepreneurial journey as a newspaper delivery boy at the age of twelve. After finishing high school at the end of 1986 he spent two years in the army completing what was then compulsory national service. On his way home at the end of his service he had a chance encounter with a graphic artist which completely changed the course of his life.
Pepe's latent talent for art was developed and honed at a Cape Town art school, where he finished top of his class each year, which in turn would lead him to discover his passion for advertising. After graduating, he and his partner Gareth Leck launched their enterprising Take-Away Advertising Agency and business success seemed a foregone conclusion.
But some unwise business decisions and then the global recession of 2008 took their toll and, to make matters worse, Pepe's personal life began to disintegrate. However, at the lowest point of his life, he would discover a fundamental insight which became the foundation on which he would rebuild his life. It would also inspire the development of his Purpose for Business methodology and his deep interest in unlocking both human and Joe Public United business potential.
While Growing Greatness contains many lessons for aspiring entrepreneurs, perhaps what is more important is the deep wisdom it offers. Through his growing awareness of what purpose means in both business and personal terms, Pepe points the way to growing your own greatness.
Maverick. Leadership genius. Self-made millionaire. Dragon. The rock star of public speaking. Vusi Thembekwayo has been called many things.
Join him in his inspiring journey from the township to the top echelons of South African business, to becoming one of the youngest directors of a listed company and CEO of a boutique investment firm. As a Dragons' Den judge and a sought- after public speaker across the globe, Vusi doesn't just talk business – he lives it.
Now you can learn the secret of his success and how to shape your own destiny.
Op Dinsdag 5 Desember 2017 was die Steinhoff-groep nog R199 miljard werd. Vier en twintig uur later is meer as R160 miljard daarvan uitgewis. Die Steinhoff-sakeryk, wat oor 20 jaar tot ’n internasionale sakereus opgebou is, het oornag verkrummel.
Markus Jooste, Steinhoff se flambojante grootbaas, het per SMS bedank en vlug sedertdien van die een na die ander geraamte wat uit sy kas val: tientalle spoghuise vir ’n blonde minnares, resiesperde, bewerings van bedrog en ’n blinkswart Jaguar vir ’n ou universiteitskoshuis.
Wat presies het hier gebeur? Wie het wat geweet? Wat is Steinhoff, wie is Markus Jooste en wat het dit met die sogenaamde Stellenbosch-mafia te doen? Hoe pas Christo Wiese, Shoprite en Pepkor in en waarheen is die pensionarisse se geld? Die bekende sakeskrywer James-Brent Styan beantwoord dié en ander vrae in hierdie verstommende verhaal van die grootste finansiële ineenstoring in die geskiedenis van Suid-Afrika.
Deur onderhoude met betroubare bronne, inligting uit vertroulike dokumente en in- dieptenavorsing oor Steinhoff se geskiedenis, onthul hy dít wat die groep oor jare probeer wegsteek het.
Steinhoff en die Stellenbosse Boys is ’n boeiende sakeriller wat nog dekades lank in sowel raadsale as sitkamers oorvertel sal word.
While some women seem to excel at making their money work for them, others battle from pay day to pay day. With this book, we tap into what these ‘smart women’ know that the rest of us can learn from.
Smart Woman will provide the necessary insights into how our personal view of money impacts on our financial behaviour and decisions; reveal who is competing for our money (retailers, online marketers, etc.); and look at why it is so hard to find money to invest (the first step to getting rich is having money to invest – money makes money). It also covers how major life events, such as marriage and divorce, impact on us and how we can make smart financial decisions at these times.
Smart Woman will show the reader how she can take control of her financial life by spending smarter, tackling debt and setting goals. It explains how money is made and how the financial markets work, as well as the universal principles behind growing wealth, irrespective of where one invests.
A must-read for every woman, at any age, who is serious about building wealth and obtaining financial independence.
Nothing in life is certain, except death and taxes – or so the expression goes. And over the past two decades South African criminals and tax dodgers have come to realise this truth the hard way.
Tax sleuth Johann van Loggerenberg was at the centre of many of SARS’ high-profile cases during his time there. As far as SARS is concerned all forms of income are subjected to tax, even if by ill-gotten means. Whether you are a drug dealer from Durban, one of the hitmen who shot Brett Kebble or soccer boss Irvin Khoza, you have to pay your dues!
Van Loggerenberg relates the riveting inside stories of the investigations into businessmen like Dave King, Billy Rautenbach, Barry Tannenbaum and his ponzi scheme, and others. Over the years he got to know all the scams and dirty tricks in the book and he explains these in plain language.
In these investigations the tax authority worked closely with the police, the NPA and the Directorate of Special Operations. However, after a few years SARS became the victim of its own success. In telling the stories of how tax evaders were caught, Van Loggerenberg also shows how the power struggle between different state departments and the phenomenon of state capture in recent years started crippling SARS.
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.
Canned lion hunting sprang to the world’s attention with the 2015 launch of the documentary, Blood Lions. This movie blew the cover off a brutal industry that has burgeoned in the last decade or so, operating largely under the radar of public concern.
In Cuddle Me Kill Me, veteran wildlife campaigner Richard Peirce reveals horrifying facts about the industry. He tells:
Well researched by Peirce with the help of an undercover agent, and illustrated with photos taken along the way, this is a disturbing and passionate plea to end commercial captive lion breeding and the repurposing of wildlife to cater for human greed.
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