Archive for May, 2009

Book Review: The Spirit Level

May 31, 2009 No Comments

Authors: R Wilkinson & K Pickett Publisher: Allen Lane, an imprint of Penguin Books (2009), 331 pages The central message of The Spirit Level is that (at least amongst the world’s developed economies) the more egalitarian societies (like Norway and Japan, for instance) appear to function much better than more unequal societies (like the US ...

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Surviving the small business journey

May 31, 2009 No Comments

Image via Wikipedia Why SMMEs fail By Charles Pittaway, CEO of Netcash Successfully steering a new business through its first five years is not a challenge for the faint-hearted. Charles Pittaway, who founded Netcash in 2001 to provide payment services to other small and medium business owners, shares some of the lessons of his entrepreneurial ...

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Relationship Advice: Scratch An Adult, and You’ll Find a Scared Child Underneath

May 29, 2009 No Comments

“Scratch an adult, and you’ll find a scared child underneath.” Who said this? I did. Ok, it’s not a very famous quote. But, I do say it, over and over. And people shake their heads yes, acknowledging that they know what I mean. “Under stress, we regress.” The man who trained me many years ago ...

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Should I Discuss Finances Before Marriage?

May 29, 2009 No Comments

So you plan on getting married soon, and there’s just something that you’ve had on your mind, but you just don’t know what you should do or how you should say it. That would be the questions you have concerning your future spouse’s finances. You really need to know something about their finances before you ...

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Talk is cheap, and cheap talk; expensive

May 25, 2009 No Comments

Cover via Amazo A penny for your thoughts? They say talk is cheap. But cheap talk, in the form of unreal conversations, is offensively expensive for organisations and individuals. Every organisation feels it has real conversations with its employees, customers, territory and the unknown future emerging around it, and most people say they prefer hearing ...

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Discover The Magic Of Doing What You Love

May 22, 2009 No Comments

Do what you love to do and give it your very best. Whether it’s business or baseball, or the theater, or any field. If you don’t love what you’re doing and you can’t give it your best, get out of it. Life is too short. You’ll be an old man before you know it. Al ...

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The Simple Little Secret That Improves Relationships by 100%

May 20, 2009 No Comments

Michelle has many friends. They call her often. She also has a devoted family. Michelle is only alone when she chooses to be, and she is never lonely. This has always been the way for her. Since childhood, she has never lacked for companionship. Karen has just the opposite experience of life. She makes friends ...

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Pay attention to what has your attention

May 13, 2009 No Comments

Cover via Amazon What most needs your attention is usually what most has your attention. But, if you don’t pay attention to what has your attention, it grabs much more of your attention than it deserves. This is according to David Allen, the author of Getting Things Done, whose ‘Getting Things Done’(GTD) method helps people ...

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Beauty and Fitness

May 13, 2009 No Comments

Health is wealth. By being physically fit, it can make a person look lean both inside and out. There is a lot a person can do such jogging or walking in the morning, playing basketball or any other sport with friends but if a person wants to have muscles and look lean, the best thing ...

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Exercise and Cellulite

May 13, 2009 No Comments

When Mike turned 65, he was 25 pounds overweight. By strict dieting, he shed the extra pounds, but he lost more weight; he also lost his energy and vitality. He was always exhausted, and his friends, seeing his gaunt, drawn face, worried about his health. By the time he volunteered for a particular fitness program ...

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OTHER ADVANTAGES OF UTILISING YOUR HOMELOAN AS A SAVINGS ACCOUNT

You will have seen from the examples above that you can save thousands of Rands and settle your bond...

PAY YOUR INSTALMENT AS SOON AS POSSIBLE, PAY IN ADVANCE, AND NOT ARREARS

If you change jobs and your payday changes, ensure that you notify the bank immediately. Paying just 2 day...

BUY WELL WITHIN YOUR MEANS

A lot of people make the mistake of buying a house very close to the maximum for which they...

DO NOT ALLOW THE BANK TO ADD ON COSTS

Today’s competition between banks for bond business is very strong. This results in them making various offers to their...

TAKE A MAXIMUM TRAVEL ALLOWANCE

This piece of information is closely related to the section on not taking a 13th cheque from your employer....

DO NOT REDUCE PAYMENTS WHEN INTEREST RATES DECREASE

In South Africa, interest rates are often subject to wide fluctuations with little warning. When rates decrease, the banks...

DO NOT TAKE A 13TH CHEQUE

A popular practice amongst companies today is to allow staff to decide whether or not they would like a...

USE YOUR “DORMANT” MONTHLY FUNDS

These examples show how much you can benefit simply by placing funds which you only need at a later...

Home Loan Series Vol 2

The problem, as discussed in the previous article, is the capitalisation of interest, over and over again EVERY MONTH...

Homeloan Series Vol 1

The purpose of this series of articles is to provide bondholders in South Africa with practical and simple methods...