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

Retiring to South Africa - The Essential Guide 2017 Retiring abroad has never been more accessible or appealing, but we may fail to consider destinations outside of Europe or the United States. It may surprise many, but there are more UK pensioners in South Africa than Cyprus, Portugal, Malta and Greece. There are good reasons for this. The country boasts: A warm Mediterranean climate with up to 50% more sunlight than the UK. Excellent medical facilities at reasonable costs. No income tax on foreign pensions combined with a permanent right to reside. A welcoming population where English is widely spoken. This book describes why South Africa deserves further consideration, and provides a step by step, stress-free action plan. It covers both preparations prior to departure as well as the first 100 days after arrival. Topics covered include: Visas, specifically targeted at retirees. Healthcare and specifically Medical Aid. Banking and foreign exchange. Removals. Tax and UK pensions. Purchasing a car, and the all-important traffic register number. Renting and buying property, including real estate trends, and what the estate agent doesn't tell you! This guide has been written from the author's practical experience and contains a wealth of knowledge. The reader will quickly find that their investment will pay for itself many times over in respect of: Immigration consultant's fees. Shipping costs. Foreign exchange costs. Income tax. Healthcare costs. Property costs both rental and purchase Although targeted at the retiree, it would be useful reading for anybody considering relocating to South Africa. Learn from our experience, both the good and bad - buy this book!

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.

Are you considering a move to the vibrant and diverse land of South Africa? "A Guide to Relocating to South Africa" is your comprehensive companion for navigating this exciting journey. Whether you're planning to start a new job, study, retire, or simply seeking adventure in the Rainbow Nation, this book equips you with the knowledge and insights you need to make a smooth transition. Discover the stunning landscapes of South Africa, from the iconic Table Mountain to the vast plains of Kruger National Park. Immerse yourself in its rich cultural tapestry, where traditions and modernity coexist harmoniously, and where the warm hospitality of the people will make you feel at home. This guide covers every aspect of your relocation, from understanding the visa and immigration processes to finding the perfect accommodation, accessing healthcare, and enrolling your children in schools. You'll gain valuable tips for making friends, building a support network, and staying safe in a new environment. Explore South Africa's diverse cuisine, indulge in thrilling outdoor adventures, and immerse yourself in its arts and culture scene. Whether you're interested in wildlife safaris, surfing on pristine beaches, or savoring the flavors of Cape Malay cuisine, this guide provides the keys to unlock your South African adventure. With detailed information, practical advice, and real-life insights, "A Guide to Relocating to South Africa" ensures that your journey to the Rainbow Nation is not only successful but also an enriching experience filled with memorable moments. Prepare to embark on a life-changing adventure and embrace all that South Africa has to offer. Your new chapter in the Rainbow Nation awaits!

Decapods are a culmination of nearly 600 million years of Crustacean evolution, during which time they have radiated into a variety of superfamilies, families, genera and species which occupy a variety of niches from fresh mountain streams to the abysses of the oceans. This book will fill a gap in the current literature on southern African decapods. Since Barnard published his Descriptive Catalogue of South African Decapod Crustacea in 1950, there have been numerous additions and name changes. This publication updates the taxonomy, and includes ecological and fisheries information. In addition, Kensley’s (1981) distributional checklist for the region has been updated and includes large numbers of new species and records for the region, bringing the total number of decapod to over 1000 species. Although not exhaustive, 262 species are featured, some of which are beautiful, some have commercial or artisinal value, both for consumption and the aquarium, and some have important ecological functions, while others are rare or interesting. For each species there is a photograph, synonymies, common names, a description, ecological information and name derivation (etymology). All the decapod families found in South Africa are described, some new, along with chapters on decapod research history in southern Africa, commercial and artisinal food value of decapods, biodiversity and future research direction. The book is arranged systematically, as taxonomy is based on phylogeny, starting with the earliest forms and progressing to the most derived and advanced forms, and will serve to stimulate interest and future research into southern Africa’s rich decapod biodiversity, especially at a time when biodiversity itself is threatened by global warming, coral bleaching and habitat loss. It will appeal to people interested in Decapoda, including academics, scholars, students, fishermen, aquarists, aquaculturists, recreational snorkel and SCUBA divers, as well as those interested in conservation, biodiversity, management and governance.

This comprehensive eBook will help you to become an young professional of the African Development Bank! You will get acquainted with the AfDB Young Professionals Program and learn how to apply for it. If you are seeking more information on how to kick-start your career with the African Development Bank, you have come to the right place! Working for an organization such as the AfDB is a dream for many. The AfDB combines good remuneration with a wide range of benefits in a meaning­ful work that can help millions of people improve their quality of life. In addition, working for the AfDB means having a global career with a global reach, in a multicultural and pleasant environment; you will be able to construct influential networks and receive encouragement to develop professionally. Among the different ways of selecting staff, the Young Professionals Program (YPP) is known as the AfDB’s most important and prestigious selection process. The AfDB YPP is a highly competitive selection process. Every year, about 8.000 highly qualified young people from around the world apply for this program but only around 30-35 applicants are selected each year. Being selected for the ADB YPP can change your life forever, but this is no easy task. In pursuit of its mission, the OpenIGO network has prepared “ADB YPP – The Essential Guide”! This comprehensive eBook will help candidates navigate through the AfDB YPP’s Selection Process. In order to start a career with the organization, applicants must know what are the existing recruit­ment initiatives, their eligibility criteria and different stages of the AfDB YPP’s selection process, as well as have a broad understanding of the culture and values of this complex international organization. This book was written and revised by a team of professors, human resources specialists, and intergovern­mental organization staff with a great deal of diligence.