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The Savvy Investor’s Pocket Guide is a self-improvement guide that provides ordinary people with the tools to become financially savvy quickly and successfully. Identifying the common mistakes people make when dealing with their finances, the guide sets out how to rectify them. It also highlights how one can achieve financial independence by cutting back on some expenses, like luxury cars, and the benefits of starting to save as early as possible.
The book also explains in easy-to-understand terms how to draw up and stick to a budget; make shrewd investments in various investment vehicles; consolidate and eliminate debt; draw up a will; get the most out of short-term and life insurance; and save enough money to retire.
The Savvy Investor’s Pocket Guide serves as a wake-up call to stop wasting money and start investing for a financially secure future. A must-read for anyone who wants to not only improve their finances, but also their life in general.
"I wrote this book because I believe the road to financial freedom is a journey everyone can embark on. I wrote this book with you in mind. You, who perhaps have never been taught anything about how money works. You, who have been too intimidated to pick up and read a book about personal finance because you were too scared of the jargon. You, who want to #getyourmoneyright. I had you in mind when I wrote this book." – Mapalo Makhu
If you are a millennial who is trying to figure out how money works, this book is for you. With simple, relatable and sometimes amusing stories about how to manage money on a day-to-day basis, you will learn how to change your mindset about money, get out of debt and stay debt-free, invest your money and, ultimately, live your best life.
You’re Not Broke, You’re Pre-Rich will help you, the young professional, to think differently about money, while covering pertinent topics like black tax, savings, budgeting, emergency funds and financial scams, as well as estate and retirement planning (and why you should care right now!). It is the best class you never attended… in a book!
A step-by-step, practical guide on how to purchase your first investment property, written in easy-to-understand, conversational language that explains complex concepts simply.
Most people believe that property is a great investment, but that in order to get into property you need money, contacts and experience. When you only see the barriers to entry, you tend to give up before you even try. Property investment expert Laurens Boel believes that with the right knowledge anyone can make money in property, regardless of the resources available to them.
Financial Freedom Through Property is filled with practical tips, insider secrets and case studies. It explains the risks and rewards of property investing, how to make the right offer on property deals, raise capital, contract the right team, negotiate win-win scenarios, utilise innovative PropTech, find discounted properties and enjoy positive cash flows from day one. It also tells the story of how the author became one of the top property investors in South Africa – after being retrenched and going broke.
Financial Freedom Through Property is an inspirational book for those who want to create a better financial future for themselves. You don’t need to be a property mogul to make money on the property market – all you need is the willingness and the time to learn how to do it.
By the time you are thinking about divorce you either want one or you’ve just learned your marriage is over. This is often the start of an uphill battle that leaves most people in financial and emotional ruin. Well, not if you Divorce Smart.
With one in three marriages now ending in divorce, it is imperative to be informed of the long-term challenges involved in divorce and separation. This book is a step-by-step guide to navigating the legal paper work, child care planning and financial security issues you will face during and after divorce. Divorce Smart gives the reader clear, concise information on maintenance, property, health care, pension funds and investments, ensuring that women are empowered to secure their home, keep as much wealth as possible and provide for their children well beyond the end of this marriage.
Whether you are married in community of property, traditionally or in a same-sex civil union there is always a way to Divorce Smart.
The South African economy has a secret weapon: stokvels. If harnessed correctly, investments in stokvels could significantly bolster the economy. The following statistics, provided by the National Stokvel Association of South Africa, are mind-blowing: at present there are 11.4 million South Africans who are members of stokvels; around R44 billion is pooled collectively by ordinary people in stokvels; and it is saved by 820 000 stokvels. A lot of ideas have been put forward on how these monies can be utilised by stokvels, but it is not really clear how these can be practically applied.
This book will appeal to readers who are already in a stokvel, those who want to be in one, and even those who never thought of joining one. It contains all the necessary information you need about this form of investment, including:
Most importantly, it explains how an individual can make money by being part of a stokvel.
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.
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.
How do you grow your capital while still preserving it? And how do you use investment vehicles to contribute positively to your financial freedom and a comfortable retirement? The answer is simple: financial education is the precursor to good investment decision-making.
Invest Your Way To Wealth is the guide to financial literacy. From asset classes to forex markets, the time value of money, risky and risk-free assets, cap rates, property, debt, SMMEs and angel investors, Thobelani Maphumulo explains the financial terms and concepts ordinary South Africans need to know in order to become financially savvy quickly and, ultimately, to retire financially secure.
Easy to understand, practical and informative, Invest Your Way To Wealth is essential reading for fledgling investors who need a trustworthy and accessible guide to a range of investment options that will help preserve and grow their capital before they engage expensive experts. By using the knowledge and tools provided in this book, you, too, can watch your money grow.
“I believe in a healthy mind, soul and wallet.”
MILLIONAIRE AT 22 is the new GO-TO guide with detailed tips and techniques mixed with stories of personal experience. Join Albert on the journey of becoming a self-made millionaire at the age of 22. So, how do you become a millionaire at the age of 22 or any age you want to be?
This modern fresh take on business and self-development will quickly set you on the path of reaching your unique dreams and claiming that six figures. Practical, sincere, "punchy" and to the point. A well written manual to success with easy-to-apply principles.
“I will climb the stairs to success with you one step at a time. Join me and my team of Supers and let`s change the world.”
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.
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.
Tony Robbins, arguably the most recognizable life and business strategist and guru, is back with a timely, unique follow-up to his smash New York Times bestseller Money: Master the Game.
Market corrections are as constant as seasons are in nature. There have been 30 such corrections in the past 30 years, yet there's never been an action plan for how not only to survive, but thrive through each change in the stock market. Building upon the principles in Money: Master the Game, Robbins offers the reader specific steps they can implement to protect their investments while maximizing their wealth.
It's a detailed guide designed for investors, articulated in the common-sense, practical manner that the millions of loyal Robbins fans and students have come to expect and rely upon. Few have navigated the turbulence of the stock market as adeptly and successfully as Tony Robbins. His proven, consistent success over decades makes him singularly qualified to help investors (both seasoned and first-timers alike) preserve and add to their investments.
Today disruption is a part of our daily business vocabulary. We’re all aware of it, and yet many of us still struggle to cope with fast-paced change. How do we take control of our future? What can we do to stop chasing and start attracting – start MAGNETiiZING – the life we want?
In his bestselling What’s Your Moonshot?, global speaker and trend specialist John Sanei explained how the world is changing exponentially. In his follow-up Magnetiize, he challenges business leaders, employees and individuals to become future-ready, asking a selection of thoughtprovoking questions along the way: Is your organisation profit-led or purpose-led? Are you building a fast-paced flash-in-the-quarterly-profit-balancesheet-pan or an elegant legacy? Are you a bystander of disruption or a creator of the future? Are you running away from the darkness or towards the light? How can you find your purpose and build a life in which you attract to you the future of your own making? In answering these and other questions, John explains how to inspire the best people to work with you; how to build an army of superfans (not just clients and consumers); how to build a culture that creates disruption itself (rather than being disrupted); and, ultimately, how to rethink the world we live in.
It’s time to reevaluate the concept and measures of success.
It’s time to stop chasing life, and to MAGNETiiZE the life you want.
This book offers 50 innovative ways of looking at your business as a long-term, dynamic, progressive entity. Here you will find 50 ways to ditch the atrophying forces and create an exponentially achieving, high-performance culture in your organisation.
Some rules help us, but some don’t. Do you know which to ditch? And do you know how to create a dynamic, learning culture that doesn’t rely on blind bureaucracy? Elon Musk did it with Tesla and Space-X. Pixar does it too. The Israeli Defence Force and US Navy SEALS have been doing it for decades, and their results have been astonishing.
In a world of exponential organisations, rule-bound dinosaurs will fall and fade. But you don’t have to.
They’re your rules. Break them!
Bryan Hirsch has more than 45 years of experience in the industry and is widely acknowledged as a financial planning guru and is a frequent host on television and radio programmes dealing with money matters. Many readers also know him through his regular financial columns in Business Day and The Sowetan.
This book is a collection of his columns edited and contextualized and also an analysis of the wisdom of this acclaimed financial guru.
Have you ever wondered how wealthy people actually made their first million? Here is a simple, easy-to-follow book that shows how various people have made their money in their own unique way, helping you to find a method that will assist you in making your first million and gaining financial freedom.
We would all like to reach a stage where we are able to live off the income from our savings and investments. Sadly, very few people ever get there. But now there is help at hand: this highly accessible book is aimed at anyone who wants to learn how to make their first million in savings. It provides real examples of ordinary people who have reached their financial goals and explains how you can do the same, and offers practical ways of setting goals and keeping yourself motivated to achieve them, especially in tough times.
How To Make Your First Million furnishes people from all walks of life with practical information on how to achieve financial freedom in a range of different ways, and shows that it is possible for everyone to be financially free.
Personal Financial Management provides an excellent and holistic structure for planning and managing your personal finances.
Everything you need to know in order to make informed decisions about any and every aspect of your finances is contained in the nine key personal financial planning areas: career, income tax, estate, investment, protection, credit, healthcare, retirement and emigration planning.
Ultimately, we all hope for financial independence after retirement, and how you plan and manage your finances in any one of these key areas can have far-reaching positive or negative implications for your future.
Wealth is about more than just money. But how can we come to grips with our financial situation at a time when no one seems to have enough? The authors of this book believe that the answer lies beyond the balance sheet, in the mind, heart and spirit of the individual investor.
How Much Is Enough? provides a framework for the reader to find the right balance between their time, money and happiness in order to achieve financial security and personal well-being. Through a holistic approach to wealth management, based on the premise that money is only one element in the overall chemistry of a happy life, readers will learn how to: overcome the challenges that the brain’s hard-wiring and the environment place on personal health and well-being; plan and invest to achieve personal goals and aspirations; become happier and avoid wealth-destroying behaviour to improve investment results; and help their kids achieve financial security and assume financial responsibility.
Combining the latest economic theory and behavioural research with compelling stories of those who have found peace beyond their bank accounts, including Warren Buffett, Archbishop Emeritus Desmond Tutu, Raymond Ackerman, Bill Gates and Patrice Motsepe, How Much Is Enough? is the perfect antidote to our acquisitive, materialistic times and a must-read for anyone who wants both financial wealth and personal well-being. Find happiness, and wealth will follow…
April 2017 marks 20 years since Robert Kiyosaki’s Rich Dad Poor Dad first made waves in the Personal Finance arena.
It has since become the #1 Personal Finance book of all time... translated into dozens of languages and sold around the world.
Rich Dad Poor Dad is Robert's story of growing up with two dads — his real father and the father of his best friend, his rich dad — and the ways in which both men shaped his thoughts about money and investing. The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you.
20 Years... 20/20 Hindsight
In the 20th Anniversary Edition of this classic, Robert offers an update on what we’ve seen over the past 20 years related to money, investing, and the global economy. Sidebars throughout the book will take readers “fast forward” — from 1997 to today — as Robert assesses how the principles taught by his rich dad have stood the test of time.
In many ways, the messages of Rich Dad Poor Dad, messages that were criticized and challenged two decades ago, are more meaningful, relevant and important today than they were 20 years ago.
As always, readers can expect that Robert will be candid, insightful... and continue to rock more than a few boats in his retrospective.
Will there be a few surprises? Count on it.
Rich Dad Poor Dad...
• Explodes the myth that you need to earn a high income to become rich
• Challenges the belief that your house is an asset
• Shows parents why they can't rely on the school system to teach their kids about money
• Defines once and for all an asset and a liability
• Teaches you what to teach your kids about money for their future financial success
Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley. Ten years on from the financial crash, and we are still bad with money.We press 'cash only' at ATMs, and accept that we'll be paying back our student loans with our pension savings. Money: A User's Guide cuts through all the panic of personal finances. It will teach you how to get a great credit score, how to save hundreds on bills, and offer practical advice on every difficult conversation you've been avoiding including: * Housing (for renters and buyers) * Student Loans * Pensions * Paying off debt * Stocks and shares * Ethical investments * Money and Mental health * Money and Love This essential book will give you the confidence and clarity to take back control of your bank account, enabling you to thrive in all areas of your life.
Too many South Africans are excluded from the benefits of the international marketplace. This book aims to change that, by showing how to grow your wealth through simple, sustainable investment principles, and how to harness the fundamental drivers of global growth.
Drawing from a career providing international investment solutions to global clients, David Joshua addresses the most common and costly blind spots individual investors have, and lays out the key fundamentals everyone can learn to transform their financial future.
This book provides the tools to understand:
Stock-market crashes show how the world of high finance can negatively impact our daily life, but smart money reveals a two-way street where those savvy to the science of finance can take their personal wealth up a gear. What is a hedge fund? How best to understand private equity? What are the principles of investment? 30 Second Money balances key features of personal finance with those of the financial markets and economic concepts, explaining how mass monetary systems relate to one's own money management choices. From basic concepts like risk and return to types of borrowing, investment, and risk management, everything is explained without jargon or complexity. This is the handbook that gives the reader an edge in any business conversation.
Rand en sent, gegrond op die gewilde gelyknamige RSG- program, is ’n onontbeerlike gids vir die man op straat tot goeie persoonlike finansiële bestuur. Die kundigheid van kenners van gerespekteerde finansiële instellings word op ’n toeganklike manier beskikbaar gestel aan lesers wat nie noodwendig toegang tot die dienste van adviseurs of konsultante het nie.
Raad word verskaf oor hoe om ’n begroting behoorlik op te stel – en te laat klop. Suid-Afrikaners wat hulle in die dryfsand van skuld bevind, kry waardevolle wenke oor hoe om uit die spiraal te ontsnap en te begin spaar. Alles wat ’n mens oor eiendombeleggings, algemene en aanlynbeleggings behoort te weet, is hierin vervat. Inligting oor hoe om die maksimum opbrengs uit polisse te verseker, word gegee, en skuiwergate wat ’n mens op die finansiële pad kan laat struikel, word uitgewys.
Hierdie boek is noodsaaklike leesstof vir alle Suid-Afrikaners wat verantwoordelikheid vir hul geldsake wil neem.
With an insider's view of the mind of the master, Mary Buffett and David Clark have written a simple guide for reading financial statements from Buffett's successful perspective. They clearly outline Warren Buffett's strategies in a way that will appeal to newcomers and seasoned Buffettologists alike. Inspired by the seminal work of Buffett's mentor, Benjamin Graham, this book presents Buffett's interpretation of financial statements with anecdotes and quotes from the master investor himself. Destined to become a classic in the world of investment books, Warren Buffett and the Interpretation of Financial Statements is the perfect companion volume to The New Buffettology and The Tao of Warren Buffett.
THE LIFE-CHANGING PERSONAL FINANCE BESTSELLER THAT SHOWS YOU HOW TO MAKE MONEY FROM YOUR MONEY - NOW IN A REVISED 3RD EDITION. 'Opinionated and always packed with information' Mirror Discover the money secret understood by virtually every rich person in history. Turn hundreds into millions through the power of compound interest. HOW TO OWN THE WORLD shows you that: * No one is better placed than you to make the most of your money. * You can do better than many finance professionals. * Making money from your money is easier than you think. * You can make far more from your money than you ever thought possible. * You can make more from your money than you can from your job. * All this is possible no matter how much you currently earn. * It's easier today than ever. * It's time to start now. It is entirely realistic for you to control your wealth, make a lot of money, and become financially free as a result. HOW TO OWN THE WORLD shows you how. With just a little knowledge you can turn your financial fortunes around and change your life. 'For anyone who wants to understand how to best use the tools available in the modern world to learn about becoming a successful investor' Metro 'If you want just one book on investment from the cacophony, you couldn't do much better' Michael Mainelli, Economics Professor 'Without doubt the best book I have read in the last five years...' Emma Kane, CEO of Newgate Communications
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