WealthWise magazine www.wealthwisemag.com
No. 16 Dec/Jan 2013
Career Guru Graeme Codrington
Special Lifestyle: Bubbly Celebration! Business mentorship Q&A Reforming SA education system Hot Trend: Crowd Investing
Are you ready for a rewarding 201 3?
he New Year 2013 is almost here! Although we are not the biggest fans of New Year Resolutions, we do want you to start 2013 on the right note. This edition is all about looking at your life, your financial wellness and your career and deciding to take it up a notch in 2013. Make a promise to yourself to constantly improve your knowledge and get closer to what you want to achieve in life. Get direction and focus. We have interviewed career expert Graeme Codrington about keeping up with the new trends in the working world and how you can improve your future career prospects. 2 WealthWise magazine
Speaking of trends, we looked at the latest hot trend in the market – crowd sourced investing,nowavailableinSouth Africa.
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It’s the season to be jolly after all, so we are sure you’re going to enjoy our surviving guide during the holidays don’t’ forget the bubbly either, make sure you check our lifestyle section for fabulous gift ideas.
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We hope that our publication will inspire you to make every day, longlasting changes to a wealthier future. Happy Holidays from all of us! Denisa Oosthuizen Publisher/Managing Editor
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December/January 201 3 CoverStory
6 The New World of Work 足 Interview with Career Guru Graeme Codrington
14 Beat the Holiday or Financial Blues
16 The Loner's Guide to Survive and Thrive During the Holidays
19 Your Financial Wellness
22 What drives investment decisions? 25 Hot Trend: Crowd Investing
28 Business Mentorship Q&A 32 Nicola Hatfield: The Entrepreneurial Woman Behind Decorex 4 WealthWise magazine
36 Reforming the SA education system
40 Festive Bubbly Celebration 48 Books
Regulars 2 ForeWord 4 Contents
54 In next edition
WealthWise magazine Publisher REO Media Solutions Managing Editor Denisa Oosthuizen denisa@wealthwisemag. co.za Editorial editor@wealthwisemag. co.za
Eugene Cilliers is a
registered debt counsellor, and serves on the Cape Town Committee of DCASA (Debt Counsellorâ€™s Association of South Africa). He has over 12 yearsâ€™ experience in financial services and currently offers various debt restructuring solutions to consumers and clients of Pay Plan Solutions. Read Eugene's financial wellness feature in MoneyWise section, page 19.
Duggan Matthews is
an Investment Professional at Marriott Asset Management. He investigates what is driving investment decisions in the current environment in the MoneyWise section, page 22. Other contributors to this issue: Gretchen Rubin, Leo Babauta, Valerie Harris, Denisa Oosthuizen
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WealthWise magazine 5
Text by Denisa Oosthuizen
Interview with Career Guru Graeme Codrington
ecades ago, more families were willing to move their offspring just to secure that higher paid post in a larger company. Today’s career seekers are different.
career expert Graeme Codrington, which co authored the book “Navigating your Career – 5 Steps to Success in the New World of Work” with career development specialist Kerry Dawkins.
There have never been so many opportunities in the marketplace as now. High payment is not the only factor that matters. A successful positioning in the industry, a work that fulfills, the right workfamily balance and a rewarding career are just some of the requirements of the younger
Our extensive interview with Graeme reveals that while work fundamentals have changed worldwide, confusion and a lack of career direction and focus still prevails among job seekers and current employees, a trend seen in South Africa as well.
generation looking for work. And it’s not just the youth looking for their dream job.
It is not enough to just secure a job in today’s world of work, says recognized researcher, futurist and
With the advent of social media communication and technology, new skills requirements and a “no guarantees” job placement in an increasingly difficult economic environment, career seekers have become
“career navigators”, having to learn how to navigate the dynamics of this new career world. Trends like flexible working hours, job hopping and projectbased work are slowly becoming the norm. Says Graeme: “Three key drivers of change are important to understand. The first is that technology has radically changed the way we communicate, interact and engage with each other. Work has speeded up, become more immediate and also more shared than ever before. Technology has also allowed us to uproot ourselves from fixed geographies, allowing for teams to be spread out around the world and for individuals to work from anywhere. WealthWise magazine 7
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