Wednesday, 30 January 2013
Tuesday, 29 January 2013
Monday, 28 January 2013
Thursday, 24 January 2013
Procliviti Helping your business maximise its Brand exposure/visibility & connecting it to the World.
Procliviti is a Knowledge Agency specialising in Leadership, Social Media and Cloud Computing. There is a great need for leadership skills in the world today, and technology is a key component in the life of every leader.
Procliviti provides several Training and Strategic Consulting products to young adults, entrepreneurs, corporations, and not-for-profit organisations in South Africa and internationally.
Procliviti is raising the bar of leadership in a digital age, to inspire those with, and those without authority to become effective leaders. To know more about what Procliviti has to offer, view the video below.
Connect your business to the world.
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A Capitec infographic, titled 2013 Pocket Watch, shows that utility bills have skyrocketed and that petrol will cost you 35% more than what it did two years ago.
The information contained was compiled by Capitec and simply gives a snapshot of the current situation.
The information contained was compiled by Capitec and simply gives a snapshot of the current situation.
Tuesday, 22 January 2013
As the New Year kicks off and economic conditions remain as tough as ever, borrow and manage your debt wisely to avoid becoming over-indebted.
It is tempting to purchase things you might not otherwise be able to afford on credit, but debt can be a major drain on your finances and dent your long term financial goals.
Just because lenders may be willing to give you a loan, doesn’t mean you should take up the loan or the full amount offered.
Before taking on credit make sure that you have enough money to cover your regular expenses, emergencies and future price increases. Taking all these factors into consideration can you afford the repayments on the money you borrow over the term of the loan in addition to what you already owe?
Important expenses to consider include household and car maintenance, school fees, transport, food and municipality bills. It is also important to set money aside or have insurance to cover emergencies like illness, death and retrenchment. Draw up a budget to determine your regular expenses and income. Under the National Credit Act (NCA), lenders are also required to do a thorough affordability assessment to ensure that you can afford to repay the debt. Make sure you honestly disclose all your expenses and are upfront about how much other debt you already have. You don’t want to get into a situation where your loan is possibly reckless and you lose your rights to claim reckless lending.
Be wary against borrowing money from some informal lenders that may not comply with the law, especially with regards to the interest they charge and their collection methods. All lenders, whether registered or not are required to comply with the NCA and it is important for consumers to understand their rights and obligations. The retention of ID books, bank cards and pin numbers is outlawed and should be reported to the National Credit Regulator (NCR).
Consumers should also be aware of garnishee orders. These allow the lender to deduct repayments directly from your salary after the obtaining of a court order by the credit provider. In particular be aware of signing blank consent forms or any other document you do not understand. Consumers can approach the NDMA for advice if they are not sure of what their rights or options are.
It is also important to be proactive in handling any repayment problems. Contact your lender or the NDMA (National Debt Mediation Association) as soon as you think you may not be able to make a payment, as you may be able to work out a solution. If you fall behind on payments and you do not act early, you may also face late payment charges as well as collection and legal fees, which can add up to many times the amount you initially borrowed.
Tips for borrowing wisely:
Understand your rights and obligations: Know your rights and obligations as this will ensure that you make the right decisions. More importantly know your options and where to go in case problems arise.
Borrow within your means: Only borrow what you can afford and try as much as possible to borrow for essential things like a house, a car, small business, education etc.
Make your payments on time and in full: You may think missing a payment is not a big deal, but doing so without the lender’s permission will negatively impact your credit rating and you could pay more interest in the long run.
Understand how much interest you will pay: The amount of the loan and the time you take to repay the loan will have a big impact on how much you’ll spend over the life of the loan. Make sure you understand how interest is calculated and what the loan will cost you after all other fees and charges are included. .
Be aware of all the fees: Lenders can charge you a range of fees including up-front initiation, and monthly service fees. Credit cards may charge annual fees and additional fees for certain transactions, so find out what costs you will be paying and factor this into your budget. If credit life insurance is included ensure that it is reasonable, that you have the policy document and you inderstand the claims conditions and procedure.
Shop around: Credit costs money, so compare different interest rates from different lenders. In addition to ensuring that the interest rate you are charged is legal; also check the terms of the loan and the period over which you will pay it back.
Read the small print: Don’t feel pressurised into signing a loan agreement without taking the time to understand the conditions. It’s also your right to ask an independent person to explain the terms to you in the contract before you sign
Monday, 21 January 2013
If there’s one thing that many people are learning right now, it’s that you can’t really rely on someone else for job security. Even though the recession has technically been over for a few years, job growth is still slow, and not everyone feels safe in their jobs.
1. Start a Blog on Your Topic of Expertise
2. Offer Your Services as a Consultant
3. Teach What You Know
1. Start a Blog on Your Topic of Expertise
2. Offer Your Services as a Consultant
3. Teach What You Know
Instead of relying on someone else to ensure that you have the income you need, considerdeveloping income diversity. One way to do this is to start a business.
Think about what you know. There are a number of ways that you can turn what you know into a business. You don’t need your side business to replace your day job immediately, or ever; some just keep their businesses as side ventures to build up their emergency fund or investments. No matter what your main goal is, capitalizing on what you know can be a good way to boost your income and prepare for the future.
Here are three ways to turn your knowledge into a business:
If you have particular knowledge about an area, you can start a web site or blog on that subject. One of the great things about starting a web site or blog is that the barriers to entry are relatively low. It doesn’t cost very much, and technology has made it easy for almost anyone to get started.
1. Consider a blog where you share your knowledge to help others. You can use ads to earn money, or join affiliate programs. As you work to build your base, and as your web site grows in popularity, you can begin to profit from the knowledge you share on your blog or web site.
2. Another option is to offer your services as a consultant. If you’re well-versed in a sought-after topic, others might pay you to provide insight.
Consultants can make pretty good money. You can also offer your services by teaching seminars. I know a financial planner who is paid to teach corporate workers about retirement benefits. Whether you turn your green thumb into a garden consulting business, or advise local businesses on how to run a successful social media campaign, it’s possible for you to earn money as a consultant.
3. You can also teach what you know for a fee. If you’re good at standardized tests, or know a lot about a specific subject area, you can hire yourself out as a tutor.
Most of us know something of interest, and many of us can even be considered experts in a particular area. Think about how you can use your knowledge to earn a little extra money. You might be surprised at what others are willing to pay for.
Have you used your knowledge to start a side business?
Friday, 18 January 2013
My wife and I are beginning to plan for our future. Part of this planning includes allocating our finances in the best possible way to meet our future goals. Up to this point, I have been handling most of the finances, but we are now considering meeting with a financial planner to get professional help. This is a common decision made by young couples, but where do we start?
How do we choose the right financial planner?
When choosing a financial planner, the first thing you should do is consider what their clients think of them. Do you have friends or colleagues that have used the same person? What do they say about their services? Recommendations give you a glimpse of what you can expect from a planner. If you hear concerns that you aren’t sure you want to deal with, move on and find someone else.
A Certified Financial Planner (CFP) gains instant credibility. This means they have taken classes and passed tests, giving them advanced knowledge in the area of finances. If they are not certified, it means they have not met specific requirements set by the state. Stay away from uncertified planners; ask planners what their certifications are, and research what it took to obtain those qualifications.
How long a planner has been in business is a good indicator of competence. Of course, everyone started somewhere, but those with years of experience have been through the ups and downs of financial planning. Quality practice leads to quality skills in important areas.
This is one of the most important factors in your decision. Financial planners can use a number of different structures to determine what you pay for their services. Understanding these structures is important in your search.
Typically the most expensive form of payment is fee-only. In this structure, the planner bills you for certain services and/or by the hour. This can get expensive, but ensures that the planner is working in your best interests. Their incentives are aligned with yours in this structure.
Those who work on commission get paid on the products you purchase. This means that they may lead you toward a mutual fund or insurance package that makes them more money, but might not be best for you. If you are planning on finding someone who uses this form of payment, you need to make sure they have your best interests at heart. Commission-based planners may also get paid a percentage of your assets each year. This is typically under 2.5%.
Some planners use a combination of pay structures. This may include a flat fee for the initial consultation, followed by a commission-based fee. The commission fee could be based upon products purchased, assets managed, or both.
Understanding how a planner is paid is extremely important. Don’t be bashful when asking them how they are paid and what their incentives are. If they are motivated by reasons you are uncomfortable with, you should avoid them.
Trust and full disclosure with your financial planner are important on both sides. You need to know their background and how they are viewed by their clients. Their certifications and experience will give you a good idea of how knowledgeable they are. Lastly, knowing and understanding their pay structure is the best indicator of their incentives.
Have you had experience choosing a financial planner? What was the most important factor in your decision?
Thursday, 17 January 2013
"Make the transition to Cloud Computing & Social Media"
In todays business world, if YOUR business is NOT exposed via Social Media channels like Facebook, Twitter, Youtube, Flickr and not adapting to the ‘new generation’ of Cloud computing then YOUR BUSINESS will fall behind in this rapid radically changing fast paced business landscape.
Without Social Media your business may not be relevant in years to come. You can't expect to use yesterday’s business methods to be in business tomorrow. When a major change arrives on the IT scene it's not always clear what the implications will be, if any, and so for large organizations a risk-managed wait-and-see attitude tends to prevail.
Occasionally however some shifts offer cost savings, improvements to operations, or ways to tackle business problems that offer significant strategic advantage. The larger the benefit in one or more of these areas, then the more strategic the advance is and the greater potential it will impact the bottom line. Cloud computing & Social Media is some of these.
Longer term, Cloud Computing & Social Media are increasingly appearing to be a transformative change in the business landscape.
Using the power of Social Media you can connect with your client base and in this way you can add more value to your business and clients. Procliviti's experienced team will strategically analyze the best ways to implement, improve & expose your business in the social media sphere. Procliviti can offer you invaluable Insight, Training and Strategic Consulting products to your business. We also offer a range of products from Social Media Training & Cloud Computing to further maximise and transition your business presence.
Procliviti's track-record speaks for itself. We have extensive experience and expertise and we have also been involved in the implementation and development of various high-profile projects and brands. Visit our website www.procliviti.net/brands.
Wednesday, 16 January 2013
It amazes me when ideas you've once envisioned years ago in your head actually come to fruition. We can always expect radical 'disruptive' changes in technology that help us change the way we work ever more effectively & efficiently.
Years ago I, like many, envisioned that in the years to come, Desktop computers would soon fall away and become a thing of the past, just like how Walk-mans, Beta & VHS video machines slowly & inevitably became obsolete. New technologies like USB’s with built in operating systems, very little processing power & storage will be designed to solely to connect to powerful apps on the web & eliminate the need for the desktop PC.
Cloud computing solutions like Google Apps etc will soon become an essential new way and standard that individuals and businesses will work and operate. Can you imagine NO licencing fees for software! Imagine the huge benefit in cost savings in hardware, software as well as saving office space!
Dell Computers are doing just that, they’ve just announced that they working on a project called “Ophelia” that is “a complete, self-contained PC” that also happens to be as big as a USB thumb drive.
But the killer feature of Ophelia is that it uses “virtual instances of operating systems running in the cloud” to give users access to “Windows, Mac OS, Google’s Chrome OS, Dell’s custom cloud solutions, Citrix cloud software, and even Google’s Chrome OS.” If you plug Ophelia into a flat-panel television, it will connect to the nearest Wi-Fi network and give you access to any type of operating system or app that is running virtually somewhere in the cloud. Users will slowly move away from Windows-based applications and toward Google Apps. Dell’s Ophelia would give users a wide choice of cloud-based apps from several different providers.
Tuesday, 15 January 2013
FOOD FOR THOUGHT: In 2002, When Steers introduced for the King Steer Burger,it cost R11.50 back then.
Today, it costs R39.90 for the same burger. The price is up 250% in ten years, a compounded annual increase of 13.3%, or 250% in total!The price of petrol in January 2002 was R3.61 per litre in Gauteng. Today, a litre of petrol costs nearly R12. This amounts to an increase of 230% in ten years, or compounded annual increases of nearly 13%.
In 2002 you could buy a King Steer Burger and a litre of petrol in exchange for R15. Today, you could only just get a litre of petrol, and 7.5% of a King Steer Burger, maybe one bite. You couldn’t even afford to buy half a King Steer burger today with R15.
In real terms, the poorest South Africans are getting poorer as their salaries cannot keep up to this kind of price inflation.Had South Africans used gold as a medium of exchange, the story is different.In exchange for an ounce of gold you could get 290 King Steer Burgers in 2002. Today, you can buy 331 King Steer Burgers for the same ounce.Likewise, you could buy 925 litres of petrol in 2002 for an ounce of gold. Today, you can buy 1100 litres.It is the declining value of the rand, because the Reserve Bank creates too much inflation, that the price of everything is going up. Unless the Reserve Bank stops the printing, prices are set to spiral out of control in coming decades.
Article courtesy of Inc.com
LinkedIn keeps changing things up. Frustrating? Maybe. But if you want a power-profile make sure to check out the most recent changes.
Last week I received an e-mail saying that my new LinkedIn profile was ready for updates. Rolling my eyes I thought, really? Didn't we just do this?
Meeting yet another profile change with resistance was obviously my first reaction, but, truthfully, this time LinkedIn did most of the work for us.
I soon realized that the new profile changes are clean, simple, and strategic.
LinkedIn consultant Wayne Breitbarth, who's also the author of The Power Formula for LinkedIn Success, agrees. Sure, you have to do a little work on your profile--again, but the world's largest professional network has made it easy. Here's Breitbarth's simple breakdown and checklist. Set aside a bit of time to take advantage of these changes. It will be worth your while!
Your photo is much larger.
This means--more than ever--it better be high quality and display how you want to be visually perceived in the business marketplace.
Your headline is more prominent.
Many people don't even realize they can edit this, let alone understand that it represents the best real estate on your entire profile. Work hard at maximizing your 120 characters--in other words, including your best keywords and branding message.
Your activity feed is front and center.
Now that it's repositioned, you better make sure you are sharing your best stuff on a consistent basis. People are waiting to hear from you. If they're not hearing your best information (thoughts, resources, advice), they'll undoubtedly be listening to your competitors.
Your profile sections are visually easier to read and more interesting.
With the addition of icons for each profile section and the logos of not only the companies you have worked for but also for the other organizations you include (nonprofits, associations, etc.), you are making a much more impactful branding statement.
It is important to correctly identify the company or organization (as listed on their LinkedIn company page) or the logo will not attach to your profile. This is all the more reason to include all the important jobs you have had in the past, no matter how long ago it was, as long as it improves your brand perception.
Your story is easier to tell.
There have always been additional sections you could add to your profile, but LinkedIn has made it much easier to access these and remind you about what is available. Tell your story (experience, accomplishments, expertise, etc.) in a deeper, more interesting way with these profile sections: Volunteer Experience & Causes, Certifications, Publications, Projects, Courses, Languages, Patents, and Test Scores.
Your story just got visual.
You can now add a personal gallery (videos, presentations, and more) to any of your job experiences and educational entries. People can not only read about how good you are, but they can see for themselves. Include some of your best presentations, photos, and videos of not only you in action but others talking about your expertise and the results they have experienced.
Your fans are more important.
I've heard a lot of grumbling about LinkedIn's new endorsements feature. Because of the high visibility of these endorsements of your skills and expertise--as well as the more prominent positioning of your recommendations--it's more important than ever to garner this social proof.
Be sure to list your most important skills so you can get endorsed for them. And LinkedIn lets you manage this entire section, allowing your audience to see only what you want them to see. For instance, if you get endorsed by someone of questionable reputation, you can hide this endorsement from public view.
Your commonalities are highlighted.
While viewing someone's profile, you can now see at a glance what you have in common--such as Skills, Groups, Interests, Location, Schools, Causes, Supported Organizations--and I suspect there will be more in the future.
Strategy: The more interesting information you share on your profile that aligns with your brand and business strategy, the better chance that a reader will feel aligned with you--and that's always a good thing.
Your connections' networks are now individually searchable.
In terms of growing your network (and your business), this is the big daddy of changes, in my opinion.
Choose one of your first-level connections and any or all of the specific search criteria that are available in the Advanced Search function. You can now search his or her network for people who meet your search criteria.
In the past, you could search your network as a whole. For instance, you'd search for presidents and CEOs in the printing industry in Chicago, and you'd discover how, if at all, you are connected to each of them.
Now, for example, you can specifically search for all the presidents and CEOs your friend Judy knows in the printing industry in Chicago.
This is money in the bank. To those who have been grumbling about the features LinkedIn has removed, I suggest you send LinkedIn a thank-you note for this one!
Friday, 11 January 2013
Report shows largest internet users group earn over R20k a month.
The Internet Access in South Africa 2012 report revealed a direct correlation between monthly income and internet access in South Africa.
The report, which was done by World Wide Worx and endorsed by the Internet Service Providers Association in South Africa, revealed that the largest group of SA’s internet users earn above R20 000 per month.
Of the 8 608 629 Internet users in South Africa, over 3 million internet users have an income of over R20 000 per month.
However, World Wide Worx pointed out that more than 1.3-million people who earn less than R5 000 a month are using the internet in South Africa.
The following table shows the direct correlation between income and likelihood of accessing the internet in South Africa.
|Income||Total internet users|
|R 800 to R 1 399||170,886|
|R 1 400 to R 2 499||309,832|
|R 2 500 to R 4 999||770,833|
|R 5 000 to R 7 999||112,8307|
|R 8 000 to R 10 999||1,172,826|
|R 11 000 to |
R 19 999
The following chart reveals just how much more likely the top income earners are to be accessing the internet.
This article was first published on MyBroadband.
Thursday, 10 January 2013
LinkedIn is by the far the world’s largest online professional network, with users in over 200 countries and territories. To date, LinkedIn boasts more than 187 million members globally, including executives from every Fortune 500 company. There are an estimated 640 million professionals globally, and LinkedIn is focused on connecting them all. In South Africa, LinkedIn has passed the 2 million mark.