دانلود کتاب مدیریت مالی شخصی – راهنمای آفریقای جنوبی برای برنامه ریزی مالی شخصی

This book, the fourth edition of Personal Financial Management, is still the only South African academic publication dealing with the field of personal finances. This book provides the best available structure for, and comprehensive overview of, the field of personal finances. This book deals with the best life skill any individual could have, namely the financial life skill. It should be included in all degree and diploma courses, even if only as an optional subject. It should be compulsory for all BCom students. No one should be without this knowledge. Personal Financial Management provides a total picture of personal financial management by means of the Swart Model for total personal financial planning. 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. The key features of this book include: • Case studies/living stories • Examples in four chapters in English, Northern Sotho, Zulu, Xhosa • Africanisation studies are included in each chapter. This edition of Personal Financial Management not only explains money, business and banking skills but also outlines the personal financial planning process. The book clearly describes the assessment and measurement of personal financial performance by: • Explaining the time value of money • Detailing nine personal financial planning areas • Outlining starting a business, buying a business or a franchise • Including learning outcomes, self-assessment questions, numerous diagrams, figures and tables. The financial empowerment of the South African population is a key challenge facing South Africa. Currently, the South African educational system does not cater for the structured and targeted education and training of school children, students and adults in managing their personal financial matters. This leads to a financially uneducated community that has no insight into its financial affairs. However, early financial education would have made a difference to these people. Furthermore, the planning of personal financial matters does not exist at all in certain target groups (these include certain culture groups, the unemployed, the youth, retrenched and retired workers and people in rural areas). As such, these people do not know how to deal with money matters, with a resultant negative impact on the micro enterprise, the economy and the personal financial situation of millions of people in this country. This way of living has become obsolete in a global community that regards finances as a key factor in creating a prosperous livelihood for all citizens, leading to an enhanced quality of life for all. The poverty spiral becomes a negative cycle from which these groups struggle to escape. This results in rising crime, violence, theft, corruption and protest action, which create related economic problems. The cost is high in terms of wasted resources, lost production and loss of confidence in the future of the country.