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Most people are rich for a single day in their lives: the day they retire and receive their retirement savings. This moment is more critical than many people realise – it marks the change from saving for retirement to drawing an income from savings that will ideally sustain them until they die. All too often, pensioners end up struggling financially because they make the wrong decisions after they retire. It is crucial for retirees to apply themselves to securing a sustainable income. This book provides a comprehensive overview of the vital issues that impact on retirement, such as taxation, investments, healthcare, estate plan¬ning 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.
Pensioners are facing a major fallout from South Africa’s downgrading to junk status and the plummeting of the rand as a result of government corruption. On top of this, the COVID-19 pandemic and the economic lockdown have hit retirement savings hard, and their effects will continue for a long time. Secure Your Retirement unpacks the challenges facing pensioners, and outlines what they can do to improve their situation. The book explains how to avoid the pitfalls that cause pensioners to run out of money. It provides guidance about selecting the right pension products and offers other solutions to guide pensioners to better financial outcomes. It gives advice for women, who are particularly at risk, and it deals with the rising costs of health care and the increasing threat of dementia. Written by award-winning author Bruce Cameron and leading financial planner Wouter Fourie, and based on research by the country’s largest pension fund administrator, Alexander Forbes, as well as life companies Just SA and Sanlam, this book is essential for anyone concerned about their financial future in this worrying time.
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 plan¬ning 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.
What do you need to do to retire in comfort? What are the right choices to make before and after you retire? What are the mistakes that you need to avoid? How can you secure a sustainable income for the rest of your life? For many people, retirement is a challenging prospect, particularly in the current environment, with changing regulations, high inflation and volatile investment markets. But it is still possible to retire financially secure. The important thing is to start planning now, and this book will help you to do that. The Ultimate Guide to Retirement provides a practical and 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. This fully updated edition is based on the 2023 Budget figures and takes account of changes in legislation, tax and retirement products. Written in clear and straightforward language by well-known journ This fully updated edition is based on the 2023 Budget figures and takes account of changes in legislation, tax and retirement products. alist Bruce Cameron and respected financial planner Wouter Fourie, this is the ultimate guide to help you achieve a secure and successful retirement
This book is designed to introduce doctoral and graduate students to the process of conducting scientific research in the social sciences, business, education, public health, and related disciplines. It is a one-stop, comprehensive, and compact source for foundational concepts in behavioral research, and can serve as a stand-alone text or as a supplement to research readings in any doctoral seminar or research methods class. This book is currently used as a research text at universities on six continents and will shortly be available in nine different languages.
This book provides individuals with an accessible and practical introduction to those concepts that are fundamental to being financially fit. Offering both technical and interpretative content, this valuable guide aims to enhance the reader?s financial literacy by grounding discussion in the real world, and showing the relevance of various topics such as financial planning, taxes, financing, investments and risk management. From deciphering financial statements and setting up flexible budgets, to calculating personal taxes and planning for retirement, it includes unique twists on finance and expert advice for life-long money management.
Offers a look at the causes and effects of poverty and inequality, as well as the possible solutions. This title features research, human stories, statistics, and compelling arguments. It discusses about the world we live in and how we can make it a better place.
This book is the result of research done by the young officers of the Financial Management Class of 2003 at the Military Academy to empower their fellow SANDF members. Various topics are included and range from financial planning to financing and investments. Worksheets and tables are included to aid you in setting up budgets, calculating personal taxes, buying a home or a car, and deciding between cash or credit purchases. A section is also included that addresses financial indicators.
It's time to get off the beaten path. Inspiring equal parts wonder and wanderlust, Atlas Obscura celebrates over 700 of the strangest and most curious places in the world. Talk about a bucket list: here are natural wonders—the dazzling glowworm caves in New Zealand, or a baobob tree in South Africa that's so large it has a pub inside where 15 people can drink comfortably. Architectural marvels, including the M.C. Escher-like stepwells in India. Mind-boggling events, like the Baby Jumping Festival in Spain, where men dressed as devils literally vault over rows of squirming infants. Not to mention the Great Stalacpipe Organ in Virginia, Turkmenistan's 40-year hole of fire called the Gates of Hell, a graveyard for decommissioned ships on the coast of Bangladesh, eccentric bone museums in Italy, or a weather-forecasting invention that was powered by leeches, still on display in Devon, England. Created by Joshua Foer, Dylan Thuras and Ella Morton, ATLAS OBSCURA revels in the weird, the unexpected, the overlooked, the hidden and the mysterious. Every page expands our sense of how strange and marvelous the world really is. And with its compelling descriptions, hundreds of photographs, surprising charts, maps for every region of the world, it is a book to enter anywhere, and will be as appealing to the armchair traveler as the die-hard adventurer. Anyone can be a tourist. ATLAS OBSCURA is for the explorer.
The Coding Manual for Qualitative Researchers is unique in providing, in one volume, an in-depth guide to each of the multiple approaches available for coding qualitative data. In total, 29 different approaches to coding are covered, ranging in complexity from beginner to advanced level and covering the full range of types of qualitative data from interview transcripts to field notes. For each approach profiled, Johnny Saldaña discusses the method’s origins in the professional literature, a description of the method, recommendations for practical applications, and a clearly illustrated example.