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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.
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.
Sorbet is the fastest growing beauty franchise businesses in Africa. In just ten years the business has gone from being mistaken for an ice-cream shop to being a household name. By 2019 the company is projecting a group turnover of R1 billion. The dramatic growth of Sorbet over the previous five years has driven business leaders to question: ‘What is so different about Sorbet?’
Sorbet has been built around a series of unique business principles and practices that have dramatically changed its trajectory, setting it apart from the other beauty salon franchises and proving its success. As this book shares, Sorbet is a fundamentally different type of business – at its very soul it looks like no other business in South Africa.
In April 2017, the Sorbet Group was acquired for R116 million by Long4Life, the investment holding company owned by Brian Joffe and Kevin Hedderwick. Fuhr was quoted as saying, ‘We are excited about joining Long4Life and the opportunity to work alongside and under the guidance and experience of industry giants. We look forward to building Sorbet into a significant health and beauty conglomerate.’
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.
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."
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
South Africans have been poorly served by the economic choices their governments have made.
The consequences of these choices are everywhere to be seen but most importantly in unemployment and poverty. In this book Brian Kantor advances spirited economic arguments for freer markets and less government intervention and regulation of the South African economy; the book will add significantly to a layman’s understanding of how our economy works. It offers a succinct review of all the key drivers that determine a modern economy’s performance as well as the key institutions of a modern economy.
The book presents an insightful review of the challenges facing the South African economy and its policy makers.
What's keeping you from greatness? Whatever it is, learn to focus your thoughts and reach the success you desire with the inspirational self-help book, #IPrayINeverDieBroke: Mind Power.
Author Nkosi James Moremoholo encourages you to empower yourself by overcoming personal shortcomings and obstacles on your way to achieving wealth. He guides you on a journey to discover your purpose in life…and cautions you on how your inner thoughts can either help or hinder your progress. But it's not all about you. Moremoholo also stresses the importance of giving back as he explains how money enables you to help the less fortunate. Richness doesn't only refer to monetary accumulation; it also means achieving harmony with others and a positive mental attitude. Not being broke may benefit you personally, but it also helps society as a whole. Entrepreneurship, therefore, comes with responsibility. You must learn to create jobs, help the underprivileged, and—as Moremoholo suggests—change the world.
Don't settle for ordinary. Harness your thoughts and achieve greatness today!
Money is a tool that we can all master. You choose to either be a ‘Money Slave’ or a ‘Money Master’. My Money is a practical, easy to read, personal finance book - a guide that will help many South Africans begin to create wealth and not fear the subject of personal financial planning.
A treasure trove of useful advice and tips, this book is essential reading to gain a basic understanding of money mechanics. A guide to help you find your confidence, and see money as it really is - a tool that anyone can use. With a chapter dedicated to almost every financial situation we face in our lives, My Money will become your go-to book that will help you unlock your financial potential and gain control of your financial affairs.
You, too, have the potential to become a ‘Money Master’.
DJ Sbu is not your ordinary entrepreneur. He was born to be great and refuses to settle for less.
Have you ever wondered what, exactly, goes on inside a successful entrepreneur’s head – how they came up with their ground-breaking ideas, how they turned them into a business, how they handle failure and what it took to get them where they are today? Billionaires Under Construction answers these questions, and more, as it charts the rise and rise of Sibusiso Leope, one of South Africa’s most dynamic entrepreneurs. From his childhood in Tembisa to the global stage as a best-selling DJ, from music mogul and co-owner of TS Records – the label behind some of South Africa’s brightest young stars – and, more recently, the force behind the country’s first black-owned energy drink, Sbu’s story is one of courage, resilience, inspiration and a refusal to let the put-downs stop him. In his own words, "you just can’t stop his go".
Billionaires Under Construction is a blueprint of Sbu’s success; an honest and direct account of the setbacks he’s encountered, including his high profile dismissal from two of South Africa’s most prominent radio stations and his equally notorious run-in with Forbes. Sbu’s handling of these situations shows the triumph of his entrepreneurial spirit and the tenacity of a man who does, indeed, consider himself a billionaire under construction – and won’t stop until his goal has become a reality.
More than this, it’s a handbook to show other entrepreneurs how they can do the same; a slice of motivation to show them that it can be done, and a tool-kit to show them how.
You don’t have to be a financial guru to invest in property. Nor do you need to spend your own money! Just by reading and applying the easy-to-follow processes in Making Money Through Buy-To-Let In South Africa, you will realise that ordinary people can become extraordinary.
This book explains why buy-to-let property investment is the only sensible opportunity to earn an inflation-linked, passive income for the rest of your life. It gives ordinary South Africans the hope that they might enjoy a financially secure retirement by building a substantial property portfolio, either when they start at a very young age or by supplementing their lifetime savings or pension pay-out at a later stage. Making Money Through Buy-To-Let In South Africa addresses all the questions would-be property investors would ask, including how to: establish legal entities; determine which properties have the best return on investment; leverage other people’s money and use very little of their own; obtain finance and register a bond; manage the transfer process; and select and manage the best tenants.
Making Money Through Buy-To-Let In South Africa is written for the ordinary person, in everyday language, and guides you step by step through the entire process of property investment so that you, too, can become financially independent.
What will South Africa look like in 2030? And how will the next fifteen years unfold?
Since leading scenario planner Frans Cronje published his bestseller A Time Traveller’s Guide to Our Next Ten Years, the country has changed rapidly. Political tensions have increased, economic performance has weakened and more and more South Africans are taking their frustrations to the street. What does this mean for the country’s future?
Cronje presents the most likely scenarios for South Africa’s future.
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