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By the time you are thinking about divorce you either want one or youíve 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.
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 exposť 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.
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.
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.
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.
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."
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.
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’.
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.
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.
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.
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.
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.
A simple, effective way to transform your finances and your life from leading financial advisor and New York Times columnist Carl Richards Creating a financial plan can seem overwhelming, but the best plans aren't long or complicated. A great plan has nothing to do with the details of how to save and invest your money and everything to do with why you're doing it in the first place. Knowing what's important to you, you will be able to make better decisions in any market conditions. The One-Page Financial Plan will help you identify your values and goals. Carl Richard's simple steps will show you how to prioritize what you really want in life and figure out how to get there. 'In a world where financial advice is (often purposely) complicated and filled with jargon, Carl Richards distils what matters most into something that is easy and fun to read' Wall Street Journal 'Feeling tormented by your finances? Read this book. Now.The One-Page Financial Plan helps you identify what you truly want from life, get crystal clear about the financial position you are starting from today, and develop a simple, actionable plan to narrow the gap between the two' Manisha Thakor, CEO at MoneyZen Wealth Management Carl Richards is a certified financial planner and a columnist for the New York Times, where his weekly Sketch Guy column has run every Monday for over five years. He is also a columnist for Morningstar magazine and a contributor to Yahoo Finance. His first book, The Behavior Gap, was very well received, and his weekly newsletter has readers around the world. Richards is a popular keynote speaker and is the director of investor education for the BAM ALLIANCE.
Learn the skills of trading on the stock market, and it can provide you with the opportunity to generate an income well into your retirement years. To those who have walked the journey for a while, the stock market becomes like an all-you-can-eat buffet, providing opportunity on a daily basis for individuals to make money for themselves and their families. How to Make Money on the Stock Exchange is written for the ordinary person, in everyday language, with the purpose of helping the beginner to understand how the market works, and how to use this knowledge to acquire the necessary skills to generate a secondary (and potentially a primary) income by investing and/or trading on the markets. You don't need to be a financial whizz-kid to make money on the stock market. All you have to do is be willing, and take the time, to learn about it. This book will show you how.
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.
Capitalist Nigger excels as an explosive and jarring indictment of the Black Race. The title asserts that the Negroid race, as naturally endowed as any other, is culpably a non-productive race. The Black Race is a consumer race and depends on other communities for its culture, its language, its feeding, and its clothing. Despite enormous natural resources, Blacks are economic slaves because they lack the 'devil-may-care' attitude and the 'killer-instinct' of the Caucasian, as well as the spider web economic mentality of the Asian. Capitalist Nigger contends that only as 'Economic Warriors', employing the 'Spider Web Economic Doctrine', can the Black Race escape from their victim mentality.
Master Your Finances will transform your financial life by demystifying the complexities around wealth creation opening the individual up to possibilities and suggesting practical ways of beginning a successful financial journey.
The book aims to achieve awareness to the mechanics of finances, provide awareness to human behaviour and how this impacts on financial net worth. It also provide options for the individual to feel empowered to take charge of their own finances and design and implement a strategy to obtain the desired results!
This book reveals the basic insights on managing your finances and wealth. These insights, if applied appropriately can lead to financial freedom.
Money is the most important human invention after language. It provides tokens for the faith we have in each other and society – but that trust has been violated repeatedly throughout history by the middlemen and authorities we rely upon in order to transact with each other.
Now a new kind of money promises to rescue us from these tyrants and return us to the roots of money, without relying on third-parties. Instead of putting our faith in banks and governments, we can trust math.
Simon Dingle has been working with Bitcoin and other cryptocurrencies since 2011, designing products that make it easier to engage with this new world of money. He is also a broadcaster, writer and speaker who makes complex subjects simple for his audiences. Having led the product team at one of the world’s first Bitcoin exchanges and on other popular fintech products, Simon continues to design and invest in projects that make money more fair, this in addition to his weekly radio show on 5FM that helps people with technology more generally.
In his first book Simon looks at the evolution of human trust that not only explains how cryptocurrencies work and the origins of Bitcoin, but how you can use these networks to take control of your own financial universe. A highly readable account of a complex subject, In Math We Trust is all you need to find out about the future of money.
Take control of your financial future with expert guidance from wealth educators and property millionaires John Lee and Vincent Wong The Wealth Dragon Way is an essential guide to creating passive income, building property-based wealth, and achieving financial freedom. This inspiring and informative resource can help you define your financial goals and identify the steps you need to take to achieve them. Exploring common myths and misinformation surrounding wealth--such as "money is the root of all evil"--this book shows how overcoming fear and self-doubt can change the way you think about wealth and your potential for personal growth. Real-world examples illustrate how entrepreneurs can use alternative strategies to acquire properties below market value. Fully updated to reflect the current economic environment, this second edition includes the Top Ten Habits of Successful Wealth Dragons as well as new chapters on the foundations of true wealth and how to adopt abundance mentality. From expanded sections on multiple income streams to a more in-depth look at the psychology behind our approach to money, such as posing the question, "Is money your friend?," this latest edition offers a roadmap to achieving infinite wealth. Knowing why you want to be wealthy increases your chances of becoming wealthy. This essential guide explores what lies beneath our relationship with money and offers practical methods to attain the freedom that monetary wealth affords and stresses the importance of having high moral wealth. Gain practical guidance delivered with an inspiring motivational message Learn how to define your goals and maximize your likelihood of success Explore the psychological patterns that prevent us from achieving our financial goals Overcome the obstacles standing in the way of your financial freedom It has never been more important to take control of your financial future. Uncertain economic futures, increasing healthcare costs, and unreliable retirement benefits are just a few reasons to start focusing on your financial future today. No matter what your ultimate goal is--whether you want to quit the daily grind, acquire assets for increased security, or build passive income streams to achieve true financial freedom--The Wealth Dragon Way shows you the best way to get there.
His Edition Money can be a battleground. Learn how to make it a strength in your relationship. Do you know any couples who fight about money? Avoid talking about it entirely? The reasons why may surprise you! Built on the groundbreaking research of best-selling authors Shaunti and Jeff Feldhahn, this new curriculum reveals the ways men and women are wired differently and why they often have opposite reactions to money-related issues.And it will teach you exactly what to do about it! Most such studies focus on the technical aspects of doing money--budgeting, investments, getting out of debt--but this experience focuses entirely on you as a couple. In this "His" edition you'll find information and questions carefully designed for him. You'll also get a web code that gives you access to six 25-minute video sessions taught by Shaunti and Jeff. Let this video and workbook curriculum be the first step to a whole new way of doing money together. Never again spiral into arguments about money--or ignore the subject completely. Whether you are married, engaged, or simply exploring a serious relationship, this is your chance to understand your spouse, fianc , or significant other and feel understood like never before. Shaunti and Jeff Feldhahn are best-selling authors, popular speakers and nationally renowned social researchers. Both with graduate degrees from Harvard, Shaunti and Jeff are the authors and coauthors of many groundbreaking books, such as For Women Only and For Men Only. The Feldhahns have two children and live in Atlanta, Georgia. brightpeak financial is a division of Thrivent Financial for Lutherans, a membership organization of Christians founded more than a century ago, which is based in Appleton, WI 54919-0001.
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