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PUBLISHING CREDITS CHIEF EDITOR Benito Mamaile EXPERT CONTRIBUTORS Morgen Moyo Isaac Ndhlebe Malethola Matube Jacques Loots Elena Agaragimova Ryan Bubear

Akhona Khanyisa Monakali CEO, Monakali Academy

PICTURES Aviwe Media Photography Cover Photo Credit: Aviwe Media


DESIGNERS Jabu Mataboge

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Profile My Business: Connect to Top-Rated Businesses 12 Technology Trends: Top 9 Tech Trends in 2018


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Editor’s Note


Money Matters: When Figures Talks Too Much

10 & 11

Golf & Personal Mastery: It All Starts In The Mind


Legal Advice: Selling & Buying Your Property


Life & Career: How To Overcome Fear of Change?



National Business Xposure and Intellectual Media and Communications considers its sources reliable and verifies as much data as possible. National Business Xposure (EAN 0 606110 895835). However, inaccuracies can occur, consequently readers using this information do so at their own risks. National Business Xposure does not accept responsibility for omissions or errors. the points of view expressed in articles by attributing writers and/or in advertisements included in this magazine do not necessarily represent those of the publisher. Any resemblance to real persons, living or dead is purely coincidental. Whilst every effort is made to ensure the accuracy of the information contained within this magazine, no legal responsibility will be accepted by the publishers for loss arising from use of this information published. All rights reserved. No part of this publication may be reproduced or stored in a retrievable system in any form or by any means without the prior written consent of the publisher.

IN SERACH OF ETHICAL LEADERSHIP On the last edition I have highlighted on integrity and your business reputation that depends on what you promise. Without a doubt, that is exactly what attracts your customers and more importantly to retain the existing ones. Moving on, the challenges we face today are for the most part rooted in failures of leadership. Leaders operating without a moral compass. An erosion of core values threatens both business and society at large. A company will assume the standards and ethics of its leaders. Therefore, having a business leader with a strong moral compass is essential for success. Ethical Leadership has been described as “having core values and the courage to act on them on behalf of the common good.”

Benito Mamaile Chief Editor

All around us, we see exploitation and a gradual descent toward dissolution. In fact, the second law of thermodynamics tells us that the physical world is decaying and that the direction of all creation is downward. If we do not apply a pro-active counter-effort in life and business, the natural course of events will lead us to drift downstream like a raft in a river.

Additionally, as the river flows downward, it widens. There is no telling where one could end up. In a startlingly short amount of time, small compromises can transform the ethical foundation of an organization. To educate a man in mind and not in morals is to educate a menace to society. —Theodore Roosevelt. Our tenth edition features Akhona Khanyisa Monakali, founder of Monakali Academy, one of the women that truly defines ethical leadership in the community and in the business society. She was awarded the Seventeen Magazine Top Teen Achiever Award for her community involvement. She represented our continent in United States at the Progressive African Network Annual African Entrepreneurship Expo. She is a force to be reckoned with. We celebrate women’s excellence in the month of May by delivering to you one on one cover interview with her. We hope you do enjoy our enjoy our edition, until next time.


Benito Mamaile

Buy & Selling Your Property With An Assistance Of An Agent

By Benito Mamaile


Khona Khanyisa Monakali was born in Johannesburg, South Africa, she grew up in humble beginnings in Katlehong Township until her family decided to move to the Eastern Cape, South Africa. There, she learnt lessons in humility and humanity. She also learnt the value of family and her interest in the business environment in South Africa was sparked at a very young age.

Akhona went to university at the University of the Free State (UFS) in Bloemfontein and obtained her (Accounting) degree. While at university, she became a member of a student organisation called Students In Free Enterprise (SIFE) (renamed ENACTUS) which is an international non-profit organisation in over 36 countries. It partners with academics and business leaders and is dedicated to inspiring students to improve their world through entrepreneurial action. While at ENACTUS, she learnt the importance of commitment and was taught the power that entrepreneurial action has to transform the lives of ordinary South Africans. While at university, her influence got her appointed as the President/ CEO for the UFS chapter. The UFS chapter competed with other universities in South Africa and won the national championship which qualified them for the SIFE World Cup in New York City. This international recognition earned her respect among her peers as she (among millions of South African teenagers) won the Seventeen Magazine Top Teen Achiever Award for her community involvement. Akhona is a force to be reckoned with as she later received a special Service Leadership Award from the Dean for her contribution towards creating a better world through business.

It’s important to put yourself in your customers’ shoes and always ask yourself how you can make life easier for them? If you were them, what would you want? This top brass in South African entrepreneurship qualified as a Professional Accountant and formed her own company Monakali Academy. This is a tutoring company that tutors high school students in Maths, Science and commercial modules like Accounting, Business Management, Economics, etc. Monakali Academy also has a team that tutors university undergraduate and postgraduate students. The Monakali Academy continues with their community service initiatives as they continue to partner with non-profit organisations to provide mentoring services to rural schools in rural communities in South Africa. This trail blazer continued to make waves in the entrepreneurial world as she was invited to participate in the PAN (Progressive African Network) Annual African Entrepreneurship Expo in Boston, USA on the 30th of June in 2017. The entrepreneurship expo was hosted by the Progressive African Network (PAN) and the Hult Women In Business Club. Akhona was required to give her insights on entrepreneurship in South Africa. She participated with various entrepreneurs throughout Africa and they worked at ways of improving youth entrepreneurship in the African continent. Akhona is the administrator of a Facebook Page called Black Entrepreneurs in South Africa which has a following of 145 000 people and growing by the day. This Facebook page gives her the opportunity to connect South African entrepreneurs with other entrepreneurs in Africa and the greater African diaspora. This initiative spurred her to success as she formed her own company called Monakali Business Intelligence where she travels across Africa and South Africa and coaches different businesses on how to improve their business processes in order to take their businesses to the next level.

Q&A Benito Mamaile: Before we get in too deep with our interview, your names; Akhona and Khanyisa, they seem to be very interesting, can you tell us about their meanings and why you have been given them? Akhona Monakali: I am the first daughter from my parents (after my brother) so when I arrived they were happy and felt like I am here to bring light into the family. In isiXhosa it translates to “Akhona amantombazane ukukhanyisa ikhaya” BM: With your business named after your surname, does it mean it is a family business?

AM: No, definitely not. My parents don’t even know that I run this business because they do not support entrepreneurship and are still waiting for me to find a “job”. All my tutoring material and banners, golf shirts, etc stay at a friend’s place and I am glad I have friends that understand how it is. Only my siblings and cousins know because they are aware of my posts and advertising I do on social media. It’s easy to “hide” this business away because most of the posts and advertising I do is online and my parents are not on social media nor know how to use the internet. I named the business Monakali Academy because I really did not know what to call it. I am not creative when it comes to names.

Akhona Khanyisa Monakali - Founder, Monakali Academy

Being an entrepreneur requires multitasking on another level! You have to essentially be everything to everyone at the same time.

BM: What were you doing before this, is Monakali Academy your first business? AM: Yes, Monakali Academy is my first business. The last time I sold something was at Aliwal North Primary School in the Eastern Cape when we were allowed to sell sweets at school. This kicked in my entrepreneurship drive. What I have been doing since I was a teenager was researching all the successful female entrepreneurs in South Africa. I know most of their career stories by heart and knowing what they do, reading their interviews and following their careers has kept me motivated. There is such a small pool of them that it’s not difficult to know who is who and what they do. Doing this helped me dream bigger and imagined myself to be among them. Other than that I have always educated myself in terms of entrepreneurship. I attend workshops, watch video’s online, read books about entrepreneurship and I’ve done this since high school.


Akhona Monakali Monakali Academy

BM: Tell us about your business (what product or service you provide and who your target audience is) AM: I own a tutoring company that tutors high school and university students. In Bloemfontein, my biggest market are high school students and we tutor Maths, Physical Science, Accounting and Life Sciences. In Johannesburg, our customer base mostly comprises of university students and we tutor Accounting, Management Accounting, taxation and Auditing. We are opening a new branch in Nelspruit in the next month and are very excited about it. Our website is BM: What is unique about your business? AM: We use a modern approach to teaching and learning because we give our students video’s to watch in addition to the tutoring material we provide them. We interact with them weekly via Whatsapp because we know that they are on their phones a lot. If they have the time to chat to their friends and download video’s online, they might as well learn while doing it. Our tutors also try to be as interactive as possible as we have a young team of tutors and ensure that the students can relate and interact with them.

BM: Tell us about a project or accomplishment that you consider to be the most significant in your career. AM: My most significant accomplishment was when I was 20 years old and I was appointed at the University of the Free State (UFS) as the President of a student entrepreneurship club called Students in Free Enterprise (SIFE) which has been renamed to ENACTUS which is an international non-profit organisation. We compete with other teams across South Africa in their respective universities and the UFS team won the national competition to go and compete with other teams in the USA. That success resulted in me being chosen as the Top Teen Achiever in South Africa by Seventeen Magazine. A national competition where we competed with millions of teenagers in South Africa and I was chosen in the category “DoGooder” which meant I was a young Mother Theresa for my entrepreneurship work.

BM: Just to go back a little in your journey, how it felt winning the Seventeen Magazine Top Teen Achiever and Services Leadership Awards? AM: The service leadership award was a total surprise because The Dean at university awarded it and I did not expect it at all and winning the Seventeen magazine Top Teen Achiever Award was life changing. Both these awards were acknowledgement that I was on the right path and all my efforts were not in vain because when you volunteer your time, it’s not easy for people that are on the receiving end to understand and appreciate your efforts. BM: Can you share your overall experience about when you were invited in Boston, USA to participate in Progressive African Network Annual Entrepreneurship Expo? AM: That was a total honor, I was invited to give my insights on entrepreneurship in South Africa. I participated with a few entrepreneurs across the African continent and we discussed and worked at ways of improving entrepreneurship across Africa and the African diaspora. The conversations we had were mind-blowing and as much as we live in different countries, our entrepreneurship issues are similar. The only difference is the access to resources South Africa has more compared to other entrepreneurs. We are really privileged and I wish people could see that. BM: With the current economy in a slump, what cost saving tips would you have for a new entrepreneur?

AM: The first tip I would give is to not get into a contract in your first few years unless you are on the receiving side of the contract. If you absolutely must get into a contract, keep it at three or six months. When you are a start-up and do not have a steady income-stream, it’s important to think about financial commitments very well. Secondly, if you have to get into a contract where there’s cash-flow take time to think about it. I take a month or two before I commit. It may sound long but you do not want to be stuck in a contract you no longer are interested in. Next I would say focus on working on your business and not in your business. If you are a business owner and are running around in the daily activities, you won’t have time to think about where the company is going and where you want to take it. I’m not suggesting your hire staff immediately, I’m suggesting that you reflect and strategize more than the daily activities.

BM: How has your experience in running the business been different from what you expected? AM: I did not expect it to grow as much as it has and I did not expect the challenges I have experienced like the traveling and the multi-tasking. Being an entrepreneur requires multi-tasking on another level!! You have to essentially be everything to everyone at the same time. I also did not expect the impact it would have on relationships because they also suffer because of the sacrifices you make. I hope motherhood is BM: Internet of Things (IOT) and Social Media Marketing is consistently being written about in the small business space. Has it worked generating business for you? AM: Definitely!! Social Media Marketing is quite powerful. When was the last time someone told you of a billboard they have seen at a certain intersection? When was the last time someone told you of an ad they’ve seen on Facebook and other social networks? The world is changing and for you to be successful, you have to go to where your customers are. Social media has helped to generate business for me because the more people see your ad, the more likely you are to get someone to buy into your business. The numbers are important because if 50 people see your ad you may have a few responses but if 1000+ people see your ad, you’re more likely to be successful. BM: Temporary labour can be a great asset to an entrepreneur. Have you ever hired temps or contractors? AM: That is so true because I also struggled with it in the beginning but I use a commission –based method of compensation. It works well especially for start-ups because your staff also plays a role in the success of the business as a whole. BM: What have you done that has been very effective in helping to grow the business? AM: I always try to stay a step-ahead. It’s important to put yourself in your customers shoes and always ask yourself how you can make life easier for them? If you were them, what would you want? It’s also important to keep yourself educated on what to do as an entrepreneur. I still read books and material online on what being an entrepreneur entails. The high’s and the low’s. I’m forever researching and learning. All that is all useless unless I apply it and I try as much as possible to implement all the strategies I read about. BM: How do you achieve work-life balance? AM: Is that concept even real? What I have learnt though is work-life focus not balance. It’s important to put your phone away when you are working and putting it away when you are busy with life as well. Focusing on what you have to do at a certain time allows you to do what you have to do at that moment.

Trying to balance / juggle everything at the same time makes you ineffective because you are doing a little bit of this and a little bit of that. Rather have a list of everything that needs to be done and the sense of achievement you get when you tick items off the list is immeasurable. BM: What have you learned about leadership, entrepreneurship and mentoring others?

LEADERSHIP: It’s important to be decisive and provide direction. As much as you are working on the ground and working with your team, they look to you for important decisions and direction. ENTREPRENEURSHIP: It doesn’t have to be a “dog-eat-dog” world. Collaboration will take you further than you could ever take yourself on your own. No one is out to get anyone so it’s really not necessary to go out and “get” people or hide information, etc As much as you were helped to succeed, it’s important to extend your hand to the next person as well. I don’t think Oprah achieved her level of success by being selfish MENTORING OTHERS: It’s important to mentor someone that understands the value of mentoring and what it can do in their life. Mentoring is an extremely powerful tool if you understand it’s value and how it can change your life and improve your entrepreneurial journey.

BM: As an administrator for Black Entrepreneurs South Africa Facebook page that carries so much weight by just reading the name, and with such a high number of followership, what have you discovered with black businesses and what has been your input thus far? AM: This Facebook Page came at a time when Leonard Tshitenge, Hashim Siraji and I felt that we need to collaborate and improve entrepreneurship in South Africa. We felt like it was not at the level it’s supposed to be. There is a lot that we don’t know and not willing to explore in terms of entrepreneurship in the country. When the page started and was running, I was shocked at the fact that people REALLY do not know the basics of starting a business and running a business. This is when I decided to have interactive sessions where we discuss certain topics and engage people more. Black businesses have to learn to take entrepreneurial education into their own hands and be aggressive about it. Learn and apply!! I must say that the conversations we have now are much more productive and there is more engagement with the followers. The aim is for people to have these conversations in their small circles, at braai’s, at their offices, etc and that is where real change occurs. When people start debating in their circles, mindsets change and that is how a new wave of entrepreneurship happens in the country.

Black businesses have to learn to take entrepreneurial education into their own hands and be aggressive about it. Learn and apply! Akhona Monakali, Founder, Monakali Academy

By Benito Mamaile


hat or who has been your greatest influence in business thus far and why?


My biggest influence in business is my dad, he is always doing something. He does not proclaim entrepreneurship to be his calling but everything he does rotates around entrepreneurship. He is always up and about trying to make money and taking the next opportunity. He has taught me to not sit still and always challenge yourself.

Although there are a lot of women in South Africa that have achieved a lot and whose careers I follow very closely, it’s always best to not look too far for inspiration because the people closest to you are the ones who see your up’s and down’s and are thus able to lift you up when you are down. BM: Do you have any new projects coming up (or have you just completed a big project ~ reached a milestone, etc.) ? If so, please tell us about it. AM: I have recently launched Monakali Business Intelligence which is a company that focuses on entrepreneurship education. We host events across South Africa and neighboring countries and mentor entrepreneurs on the basics of entrepreneurship. This is in collaboration with Progressive African Network and The Msomi Institute.

Pic: Ashraf Garda, SA Fm & Akhona Monakali BM: For women entrepreneurs, what specific advice would you have for young women who would like to become an entrepreneur? Are there specific advantages, disadvantages to being a women business owner? AM: Advice to young women is to be as tough as steel. Know why you are in business because you will come across a lot of people that try to shift your focus. If you know why you are in business and keep your focus on that, nobody can take your focus away. Also be weary of people who try to take advantage of you because they might think that you are desperate. Stay true to who you are and the more women you bring along with you in your journey, the more people you can talk to that can understand what you are going through. Don’t hesitate to reach out to others. The advantages of being a woman in business is proving people wrong. I enjoy doing that so much and I get a kick out of it every time. Another advantage is that you meet so many women that have gone through worse and then you sit and wonder why you complain so much about your life lol. I enjoy interacting with other women. The disadvantage is that because you are a woman people expect you to be a superhero of some sort. I don’t know where that comes from but I am not a superhero in any shape or form so if someone expects that of me, they are in for a lot of disappointment. If I can’t do something, I simply tell you. I can’t do everything.

For information on where we will be and when, the Black Entrepreneurs South Africa Facebook page will have more information. BM: What’s the best advice you have received in business that you wish to pass on to our readers? AM: The best advice I’ve received was from my dad and it is advice for life which is applicable in business as well. He once said “there is never a right time to do something and you will never have enough money to do whatever you want to do. Start anyway even though you feel the time is wrong and regardless of you having money or not because you will never have enough money”. That’s for every aspect of your life. There’s never a right time, place, etc so go boldly and live your life regardless of it being the right time or not. It doesn’t matter. Just Do It!!!

BM: Is there anything else you’d like to share with our readers? AM: I believe entrepreneurship is a journey that you have to be ready for. Being an entrepreneur means being able to handle disappointment, heartbreak, suffering for long periods of time so it’s important to build tenacity and charge onwards regardless. It’s almost like walking around blindfolded with your arms stretched out yet knowing that you will be ok. If you don’t have fear before you do something bold, it means whatever you want to do is not bold enough! At the end of the day, there are three types of entrepreneurs • Those who make things happen • Those who watch things happen • And those that wonder “what’s happened”!!

Thanks for your time, Akhona. It has been great to have this conversation with you. Good business advices for a new era!


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20 MAY 2018 RIVONIA DECK 09H00

When Figures Talks Too Much By Morgen Moyo INTRODUCTION “One has to establish a view about where the statistics are leading. One has to anticipate an uncertain future.” Professor Charles Goodhart Every driver knows and appreciates those readings on the dashboard. Every student knows the value of those marks on the assignment or exam sheet. Every bank account holder equally knows the meaning of those figures on the account statement. There is equally a popular saying to the effect that figures don’t lie. It is amazing how times flies, just ‘yesterday’ we were sending and also receiving new year wishes and for some the making of new year resolutions. Now we are in the month of May. Basically the first quarter of the year is gone! If you had planned to save or invest R50 000.00 this year, by now your account must be sitting at R12 500.00 or more. Whatever goal that you had set up, you need to have achieved at least 25% by now. If not, then you will have to more than double up to achieve your set objectives by the end of the year. I got rather disturbed when I came across the Old Mutual Annual Savings and Investment Monitor Survey for the period ending July 2017. If it is true that figures don’t lie, then we all need to consider the contents of that report and re-assess our positions. I have just nick picked a few items but strongly suggest that you find a moment to go through it.

I found this quite telling and this may possibly have a historic background. Is it possible that part of the reason most people are not utilizing other investment vehicles could be ignorance, mistrust or fear of the unknown? And to counter this we all approach this subject as a crowd and thus the investments of choice naturally all flow towards informal savings and funeral policies. Stockvels


Burial Societies 32% Grocery Schemes 16%

I have no doubt in my mind about the correctness of these figures and I see them as merely confirming who we are and how we approach issues regarding our financial health. The report further stated that 88% of informal savers are black and in 2017, 56% of us were not saving. That means more than half of our population is not saving. It is appreciated that the levels of unemployment are a factor and equally high but from a financial perspective its effect on our people and the lack of a savings culture bring bear our poverty levels. % of Income Spend - 2017



Insurance 7% Debt



Consumption 62%

The survey covered mainly the black households and from it informal savings and funeral policies ranked tops from the years 2010 to 2017 and educational policies came at the bottom of the list.

Turning to those with an Income to spend, the expenditure patterns are equally revealing. Of interest to me was the fact that according to the survey we are spending 62% of our income on consumption!

Can this be the answer to our many questions among which is, where is my money going to? So put differently, in every R100.00 that we earn, R62.00 is spent on consumption. You could possibly take a leaf from just this one statistic and revisit your budget and cut back on a few things and allocate those funds into a savings or investment product. The consumption problem is also evident among the informal savers. Approximately 50% of the members borrowed at least once in the past year and those funds went into debt repayments, purchase of groceries, furniture, appliances, clothing etc. FINANCIAL DEPENDENCY “The future is the most expensive luxury in the world.” Thornton Wilder The survey goes further to say that in 2017, 37% of the respondents indicated that their children should look after them when they get old. And 33% said that Government would take care of them in old age. It is evident that there is a good number of our people whose only hope are social grants and family support. Could this be your strategy as well? If not, what have you done in this last quarter of the year to positively impact on your financial wellness?

INVESTMENT VEHICLES “Some people try to deal with money by pretending it doesn’t matter, but financial pressure is something that affects us all everyday of our lives.” Anthony Robbins I did not see any mention of other investment vehicles like your stock market, property, unit trusts and so on in the investment vehicles utilized. The footprint of burial societies and stockvels in our communities is large and not likely to change any time soon. As earlier alluded, part of this is historical and equally lack of knowledge being the other side of the coin. I am not qualified to comment on the success of stockvels but judging from their popularity, something seems to be working in there.

I believe it can equally be argued that maybe it is also time for some of us to venture and explore the workings of the financial markets and create our financial independence. Equally stepping out to educate, mentor and share our knowledge for the greater good of others in finding their financial footing. CONCLUSION I hope you will find a moment to download the survey report and just go through it. Figures have a way of talking to us and I hope they will ‘talk’ to you too. Most of all go a step further, use that information to either turn around your financial direction on enhance it. It is never late to embark on a savings journey, put aside some money and just do it!

If you already have a savings culture, why not increase it or better still explore other investment vehicles, take in a little bit of risk all in the spirit of building a financially free future.

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OUR EXPERIENCE Our Construction Management (CM) team is closely involved in the planning and design phase and typically joins the project at the same time as the architect.

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We provide input on constructability, budget, and schedule, which reduces costs. During the construction phase, our full-time supervision team is on-site, monitoring work to assure compliance with specifications, budget and schedule.

We continually keep abreast with new developments in all fields of the construction industry Golden Gardens


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The core business model of Gamont Housing SA is the servicing and building of low cost Housing within South Africa. Since 2004 Gamont Housing SA has completed in excess 100 000 units in the South African Housing industry. Projects range from RDP social housing to bigger Bonded Housing in disadvantaged communities. Gamont Housing SA has experience in the following areas of Housing Development.        

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“ A multi-award winning and highly certified company � Since its inception Gamont Housing SA has been awarded numerous awards of excellence.

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Sonoran Desert, Gainey Ranch Golf Club Scottsdale, US Over the years we have seen women who start playing golf then quit. Some still play but are not progressing as they expect. In this article we focus on mental fitness for beginners for ‘It All Starts In The Mind.’ Sara Robinson is a Mental Skills Coach specializing in work with athletes. She received her M.A. in Sports Psychology from John F. Kennedy University and did her undergraduate work at New York University. Sara also helps support busy working moms develop their mental skills and create more balance at She wrote this article for the LPGA Women’s Network focusing specifically on women who are beginners in golf. The mental fitness principles she shares apply in all aspects of your life. Regardless of how long you’ve been a golfer, you probably understand that golf is a game of skill. You likely also realize that in addition to the physical skill you need to play well (and enjoy the sport), there is a distinct mental component to being a golfer. When you think about the mental side of golf what comes to mind? Perhaps you think about: 1. The internal voice that nags at you when you play. 2. The frustration that occurs after a poor shot. 3. Your confidence level about the sport. 4. The stress that you feel at certain times.

When it comes to golf, it’s important to prepare not just physically with lessons, time on the range, and the course, but also mentally. Take the time to develop your mental skills and abilities too. How do you develop your mental golf game? Read. Some of the suggested books: 1. Golf is Not a Game of Perfect by Dr. Bob Rotella 2. Zen Golf: Mastering the Mental Game by Dr. Joseph Parent 3. Golf is a Game of Confidence by Dr. Bob Rotella Some golfers work individually with a Mental Skills Coach or Sport Psychologist to assist if they’re finding that the mental aspects of golf are holding them back, or if they’d like to elevate their game by training their mind in addition to training their body. You can research individuals with a degree or training in Sport Psychology; You may be able to work with someone in your area or find someone who does work remotely, via Skype or FaceTime. When it comes to the mental side of any sport, but golf in particular, you can’t overlook such a critical piece of your game. Even if you’re playing for fun, there are times where your mental skill (or lack of it) will influence your performance. A simple way to start is to start paying more attention to what you’re thinking as you golf. Then, notice how this impacts your feelings, and how you’re playing. If you notice that you have negative or distracting thoughts, work to change them to something more helpful or appropriate for that moment.

5. Your ability to focus on what you want to do, as opposed to what you’re trying to avoid.

Remember that mental skill development takes time (much like your physical skill development), so be patient with yourself as you work on the mental side of golf.

All of this, and more, relates to the mental aspects of golf, and as you probably already know, these mental factors influence the way that you play. Why is that?

Are you based in South Africa? Contact Us. We will connect you with our Sports Scientist: Lerato Maqena, for all your Mental Fitness Needs

Simply put, the way you think affects the way you feel, which affects the way you perform. If you are thinking appropriately for a shot (e.g. that you can do well, what is your focal point, or focusing on your smooth swing), then you’re likely to feel ready, more confident, or even an increased sense of calm. When you feel this way, you’re more likely to play to the best of your abilities. The opposite is true too- when you’re distracted, over-thinking, visualizing hitting into the bunkers, or thinking in ways that are less-than-ideal, you’ll notice a change in how you’re feeling. Under these mental circumstances, we usually don’t feel our best, and may be tense, angry, or stressed. Can you play your best when you feel this way? Probably not. Progressive Women In Golf @



Malethola Matube

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Over the last few months I have witnessed clients losing large amounts of money due to unscrupulous estate agents or people fronting as estate agents. After their losses clients ask what they could have done to prevent the situation or to mitigate their damages, my advice is to follow the following guidelines:

1. MAKE SURE THAT YOUR ESTATE AGENT IS REGISTERED. All estate agents in South Africa needs to be registered with the Estate Agency Affairs Board and hold a valid Fidelity Fund Certificate which serves as confirmation that the person is legally entitled to carry out the activities of an estate agent. Fidelity Fund Certificates must be renewed yearly. Clients are entitled to request the estate agent to show his Fidelity Fund Certificate and can confirm the status of the estate agent on the website of the Estate Agency Affairs Board Of South Africa ( 2. ONLY MAKE PAYMENTS INTO TRUST ACCOUNTS Estate Agents are require to keep funds received from or on behalf of clients separate from their personal funds. They are therefor required to have Trust Accounts wherein client funds are received. If you pay any deposit or occupational rent to the estate agent always ensure that payment is made into the estate agents’ trust account. Never make payments directly to the Sellers or into the personal accounts of the estate agent. 3. ASK FOR ASSISTANCE If you are uncertain about anything or feel uneasy ask your attorney to assist you with the interpretation of the offer to purchase or verification of any of the details of the transaction. We have had numerous cases where clients did not want to pay a consultation fee for an attorney to assist them and ended up losing a much larger sums of money. Rather spend the money to mitigate your risk as unscrupulous property deals may cost you a whole lot more. Remember with property deals large amounts of money is usually involved and good risk management will help you to protect your investment.”.

We have seen various schemes by agents to coerce clients to pay money into accounts other than trust accounts. A recent scheme we saw was that agents offered clients discount on their outstanding rates and taxes accounts if they paid a portion of the account to the agent in cash. The agent will then use his contact at the council to settle the account and save the clients a large percentage of the outstanding amount. Needless to say this is an illegal act. Remember that municipal clearance figures and certificates needs to be acquired by the transferring attorney and he or she will notify you of the amount payable in terms of the rates clearance figures. 5. BE PATIENT We have seen a few cases where Purchasers are so eager to get occupation of the property they buy that they are convinced to pay the purchase price directly to the Seller and then get immediate occupation of the property. This creates issues as there may be outstanding bonds on the property that needs to be settled before the property can be transferred to the purchaser or that there is a large amount outstanding to the rates and taxes account of the Seller. The best policy is to pay the full purchase price into the trust account of the transferring attorney and wait for registration to take place before you occupy the property. If however you need to occupy the property immediately, rather opt to pay occupational rent until the property is registered into your name. Remember that there are great, hardworking estate agents out there that will give you excellent advice and guidance throughout the whole process of purchasing or selling your property. Using a reputable estate agent will ensure that your dream home does not become a nightmare, as Dean Koontz said: “In this world only the paranoid will survive”. For any questions you may have or planning to sell your property, please contact our offices to set up an appointment.

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According to a Gartner survey, about 59% of organizations are still in their initial stages of gathering information to build their AI strategies. It’s expected that through 2018, AI will be increasingly used to enhance decision making, improve customer experience, and reinvent business models.

You don’t need an introduction to AR, VR, and MR technologies and how they are changing the way we interact with the digital world and they continue to find a prominent position in the chart of technology trends for 2018. Recently, Microsoft upped its MR games by partnering with many OEMs and released Windows 10 MR headsets. Apple and Google have brought AR apps to smartphones. Gartner predicts that in the next 5 years, the focus will be on MR, where a user maintains a presence in the physical world and interacts with objects in digital and real-world.

2. INTELLIGENT APPS AND ANALYTICS It’s expected that over the next few years, every application and service will be incorporating AI at some level. It’s predicted that by the end of 2018, every major smartphone will have a dedicated AI chip. It’ll become an inseparable part of our lives and we won’t even notice it. Intelligent apps will create a new intelligent layer between people and systems for transforming the work and workplace structure. Augmented analytics will also become an important part of businesses. 3. INTELLIGENT THINGS The combination of AI and machine learning will help intelligent things to interact in a more cohesive way with us and our surroundings. Devices like Amazon Echo and Google Home are changing our living rooms. As a result, multiple smart devices will work either independently or with human input. 4. DIGITAL TWINS For those who don’t know, a digital twin is a digital representation of a real-world entity or system. While it’s one of the most important technology trends for 2018, by 2020, it’s expected that about 21 billion connected sensors will result in the existence in billions. With this shift to an integrated digital world, marketers, healthcare professionals, and planners will get the benefit. 5. CLOUD TO THE EDGE Edge computing is a topology in which information source is closer to information processing and content collection and delivery. While it could be apparent that Cloud and Edge computing are competing in approach, the reality is a lot different. If implemented together, Cloud could be used to create a service-oriented model and Edge could offer a delivery style for execution of disconnected parts of a cloud service.

7. BLOCKCHAIN Blockchain is another disruptive technology that has taken the technology and business world by storm and things aren’t going to change in 2018. With a clear understanding of the opportunities and limitations of blockchain, an organization can make sure that its teams understand what is and isn’t possible. Also, it’s advisable to execute caution while dealing with blockchain and its applications as the legality of blockchain and bitcoin applications remains suspicious in many parts of the world, including India, China and Russia. 8. EVENT-DRIVEN Events are a critical part of any business as they reflect the notable states and changes in a business. With the advancements in AI and IoT, business events can be detected quickly and analyzed with more accuracy. It’s predicted that by 2020, such “event thinking” will be needed for 80% of digital business solutions. 9. CONTINUOUS ADAPTIVE RISK AND TRUST With the usage of more and more sophisticated tools, the organizations need to take care of threats more closely to combat threats like WannaCry ransomware. With Continuous Adaptive Risk and Trust (CARTA), the organizations can get their hands on real-time, risk, and trust-based decision making. In the digital world, organizations would need to integrate security into their DevOps to deliver a continuous “DevSecOps” process. Adarsh Verma Fossbytes co-founder and an aspiring entrepreneur who keeps a close eye on open source, tech giants, and security. Get in touch with him by sending an email —

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As a career consultant, I work with mid-level to senior-level professionals, coming from different nationalities and industry backgrounds. In the last 2 years, I have worked with over 400 professionals who meet with me for various reasons, including to discuss strategies to progress their careers, identify and set goals, change jobs, go into entrepreneurship, etc. One common factor for these interactions is all the people who come to me are looking for a change. These individuals typically fall under the below two categories: people who know they want a change but don’t know to what OR people who know what change they want/need to make but don’t know how to get started. We know that their common factor is CHANGE. But, if you ask me how many actually make the change they want or need, less than half of these individuals. Why? Aside from the fact that change is one of the hardest things one faces in life, it is because the other common factor here is FEAR. Fear of change, fear of taking a risk, fear of starting over, fear of moving forward… or taking a step backwards, fear of failure, fear of disappointing others, etc. There are different ways to overcome these fears and minimize their effect on one’s goals. Below I want to share some tips on how to prepare for change and minimize the fear of it. DO YOUR HOMEWORK. Whether you are looking to change careers, start a business, or just want to explore what is out there for you, you must do your homework about it. Find out what you want, where you can add value, what value you are looking for in return, what drives you, set goals, find ways to get more information about next steps, just take charge of your career and start exploring. The more information you have about yourself and your goals, the easier it will be to get there and the more educated choices you will be able to make along the way. One mistake people make in their careers in general is they don’t take time to know what they really want or do enough research about the possibilities that are out there. You don’t know what you don’t know. In order for us to know what we want, it is essential to know yourself first, do some self-discovery, get comfortable with your strengths and areas that need improvement; understand your motivations, priorities, and what is the right step for you, so that you don’t end up in a situation where people are placing you into their own boxes based on interpretation of where they think you can fit it and thus possibly limiting you to career opportunities. MAINTAIN A HEALTHY BODY AND GROWTH MIND-SET. As with anything in life, it is essential to maintain a healthy lifestyle and a peace of mind. When your body feels good, you feel good, you have energy, and in turn your mind also is clear and focused. When going through any change, we often reserve to poor eating and sleeping habits. Be mindful of this and manage it accordingly. Make sure you are getting some exercise in, even if it is just a 30 min walk a few times a week, meditate when possible, seek support from friends and family, as well as coaches and mentors in this transition, ensure to check in with yourself on regular basis and give yourself a chance to reflect on where you are today, and give yourself some rest days for your body and mind to relax. Often times we need to just quite down all the noise inside our minds for us to see answers clearly, so give your mind time to be still. Maintain a growth mindset through this can be challenging but it is essential. Look at every opportunity as opportunity for growth and learning. Perseverance and determination are half the battle here. We often give up when we are so close to the desired result, so keep with it, but then again reflect. Reflect on what is working and what is not and why. Don’t keep doing the same thing if it is clearly not yielding any outcomes or keeping you stagnant. Be mindful if stagnation need time to evolve or if you are wasting your time and you need to readjust your strategy.

WHEN IT COMES TO CAREERS, HOW CAN ONE OVERCOME THE FEAR OF CHANGE AND UNCERTAINTY? TRUST YOURSELF AND FOLLOW YOUR HEART. When people come to me to discuss change, this to me signals that they are ready to take charge of their careers and for the first step; otherwise, they wouldn’t come to me. That is essential, because you have taken the first and hardest step in this journey. The second hardest step is not giving up in the process and adjusting as you need to until you reach your end goal. Change is difficult, it is uncomfortable, and often draining. But, what is the alternative? To stay the same? That is for you to decide. Each and one of us has the potential and the power to reach our goals. It is ultimately up to us to put in the work, move past the fear and take steps forward. Yes, there are things we cannot control such as the economy, job market, the weather, etc. But, there are lots of things we can control, such as the work we put into reaching our goals, the research that we do to minimize risks and fears, daily small steps we can take to get us closer, the persistence, the social environment that surrounds us, what we spend our energy on, what information we feed ourselves daily. It is all about taking small positive steps each day in the direction that you want to go. It is also important to acknowledge that with any change, good or bad, stress comes. It is about managing it and moving forward. By applying and being mindful of the above points, you will minimize the uncertainty and the fear in the process. If you need tips on managing change, stress, creating a career plan or related topics, feel free to reach out!

Elena Agaragimova Agar Consultancy Career/Performance Consultant – UAE, Dubai Email Elena Agaragimova

The annual Africa Travel Indaba was officially opened at the Durban ICC by South Africa’s Minister of Tourism Darek Hanekom, his deputy Elizabeth Thabethe and KwaZulu-Natal’s MEC for Economic Development, Tourism and Environmental Affairs. This event took the centre stage for two-days with exhibitors, buyers and media representatives from all over the world. At the opening ceremony, Zikalala announced that airline giants British Airways will operate a new direct flight from the King Shaka International Airport to London’s Heathrow Airport. This flight is planned for 29 October and it’ll be operating 3 flights a week, using the Boeing 747-8 Dreamliner. EThekwini Municipality Deputy Mayor, Fazwie Peer lauded this announcement and cited that it will play a huge role in enhancing economic growth in KwaZulu-Natal and will also ensure that South Africa is a gateway the African Continent for both tourism and development. Among the major announcements made during the first day of this event is the ongoing construction of the Durban Cruise Terminal which will connect with the Durban Harbour, this project is set to create 11 000 construction jobs and over 6000 jobs after completion. “We view this as a direct response to our efforts of as per our visitor marketing strategy, taking Durban to the world and the world to Durban” said Peer.


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If you’re like most people, you spend more of your valuable waking hours at work than you do anywhere else. It’s critical that you spend your time at the right company, pursuing the right opportunity. Bad management does not discriminate based on salary or job title. A Fortune 500 executive team can experience more dissatisfaction and turnover than the baristas at a local coffee shop. The more demanding your job is and the less control you have over what you do, the more likely you are to suffer. A study by the American Psychological Association found that people whose work meets both these criteria are more likely to experience exhaustion, poor sleep, anxiety, and depression. Staying in a bad job for too long can be very harmful to your career. If you’ve tried everything you can think of to make things better and haven’t seen any big changes, it may be time to move on. Choosing to leave a job can be a gut-wrenching decision. You need to know that you’re making the right choice. The good news is there are some clear signs that—if you experience enough of them—suggest it's time to move on. The company is circling the drain. A recent study showed that 71 percent of small businesses close their doors by their tenth year in operation. If you’re worried about your company’s health, there’s a good chance you’re right. Watch for clues, like suddenly needing management approval for even minor expenses, an increase in closed-door meetings, or an increased number of uppermanagement departures. If you suspect that the business is in trouble, it may be time to leave. If you wait until the company closes, you’ll be in the job market competing against your former co-workers. There’s no room for advancement. It’s easy to get stuck in a job and, if you love what you’re doing, getting stuck can be comfortable. However, it’s important to remember that every job should enhance your skills, and add to your value as an employee. If you’re not learning anything new, and are just puttering around doing the same old thing while people around you get promotions and plum assignments, it’s time to look elsewhere.

You’re out of the loop. Does it seem like you’re always the last one to hear about what’s going on at work? If you’re left out of meetings, rarely get face time with upper management, and have never even heard of the big project everyone else is so excited about.

that could mean that your bosses just see you as a body filling a desk, rather than as a valuable contributor. That’s bad news for your career and may mean it’s time to leave. You know more than your boss. It’s frustrating to work for someone you believe to be less skilled or knowledgeable than you are, but the real issue is deeper than that. If you can’t trust your company’s leadership to make good decisions and steer the ship in the right direction, you’ll be living in a constant state of anxiety. And, if you’re right that your bosses don’t know what they’re doing, you could find yourself out of a job when the company goes under. You have a bad boss who isn’t going anywhere. Bosses come and go, which is why conventional wisdom says that it’s best to just wait a bad boss out. But that’s not always the right move. If you have a bad boss who’s well-liked by upper management, it may be time to leave. In addition to making you miserable every day, a two-faced manager who’s loved by the higher ups can wreak havoc on your career by taking credit for your work, badmouthing you to others, and blaming you for things that go wrong. You dread going to work. We all get a case of the Mondays from time to time, but if even thinking about your job fills you with dread, it’s probably time to leave. Don’t keep telling yourself you’re having a bad week if what you really have is a job that’s a bad fit. You’ve lost your passion. Even if you love the company, your boss, and your co-workers, it’s not worth the effort if you hate the work. Passion is a necessary ingredient for success. If you’re unenthusiastic or even indifferent about the work you do, it’s time to reassess your career. Your health is suffering. No paycheck is worth sacrificing your health. Job stress can lead to depression, insomnia, headaches, frequent illness, and worse. Don’t let this happen to you. Your personal life is suffering. Whether you work too many hours or you’re stressed and miserable when you come home, it’s time to leave when your job starts affecting your personal life. Bringing It All Together If you do decide to leave, be smart about it. Don’t burn bridges by venting about all of the reasons you’re leaving. That accomplishes nothing, and could even haunt you later. Instead, simply explain that you’re leaving to pursue another opportunity, and then do so graciously.

HENNESSEY BOOSTS GRAND CHEROKEE TRACKHAWK TO 755 KW! By Ryan Bubear Ryan has spent most of his career in online media, writing about everything from sport to politics and other forms of crime. But his true passion – reignited by a 1971 Austin Mini Mk3 still tucked lifeless in a dark corner of his garage – is of the automotive variety.



Jeep Grand Cherokee Trackhawk isn’t exactly short on power, with its 6,2-litre supercharged V8 heart sending a whopping 527 kW and T874heN.m (yip, that’s more than the Lamborghini Urus) to all four corners via an eight-speed automatic transmission. But that hasn’t stopped the folks over at Hennessey Performance from taking this already rapid SUV to crazy new heights.

Yes, the US tuner offers not only a so-called HPE850 upgrade that hikes peak outputs to a considerable 635 kW and 1 146 N.m, but also a HPE1000 package results in frankly frightening figures of 755 kW and 1 314 N.m. The Texas-based firm claims that with the HPE1000 package fitted, the Jeep will blast from standstill to 60 mph (so, about 97 km/h) in a mere 2,8 seconds and complete the quartermile (drag radial rear tyres) in 10,5 seconds at 214 km/h. For the record, the standard model completes the 0-100 km/h dash in a claimed 3,6 seconds and the quartermile in 11,6 seconds. The most extreme package includes a 4,5-litre supercharger system (producing 14 psi boost) for the Hellcat engine, stainless steel longtube headers, a high-flow supercharger bypass valve, upgraded high-flow fuel injectors, “Boost-A-Pump” factory fuel pump upgrade, an engine management upgrade and a high-flow air induction system. Hennessey exterior badging and “HPE1000” badges are also included, along with a serial numbered plaque in the cabin signed by John Hennessey himself and one in the engine bay signed by the HPE technician who carried out the installation. In October 2017, Jeep South Africa said that the standard Grand Cherokee Trackhawk would be launched locally at some point in 2018.

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Business Xposure Magazine 10th Edition May 2018  

ational Business Xposure Digital Magazine focuses on creating exposure for businesses to achieve national footprint. It is a monthly online...

Business Xposure Magazine 10th Edition May 2018  

ational Business Xposure Digital Magazine focuses on creating exposure for businesses to achieve national footprint. It is a monthly online...