“Free Pariah’s”

“Free Pariah’s” 

Solomon Tshekisho Plaatje (9 October 1876 – 19 June 1932) was a South African intellectual, journalist, linguist, politician, translator and writer. Sol Plaatje was a significant writer. His political tract, Native Life in South Africa (2), was an angry denunciation of the 1913 Natives' Land Act. The first sentence is perhaps one of the hardest hitting political statements in South African history: "Awaking on Friday morning, June 20, 1913, the South African Native found himself, not actually a slave, but a Pariah in the land of his birth" (Document 52, p. 186). It’s this sentence that is giving me Sleepless nights the last few weeks. The First Secretary General of the ANC (SANNC) opens a can of worms equally today as we (SA) is entering again our proverbial “Crossing the Rubicon"?

I'm at pains to probe if we are "Outsiders at a Point of No Return?" What are we crossing and where are we cast out to? Are we to denounce like Plaatje, the current Refusal by government to heed the call of the majority in Gauteng to stop the E-tolls? What is our Recourse of a glorious movement who hold the most progressive policies anywhere in the world over? An Institution, yes, that’s what the ANC is, and slowly but surely loosing this impressive accolade? What is at the heart of the ANC refusing to admit that privatising the roads is not the way to go 20 years into our young democracy? Who is benefiting from this malevolent system?

Who are the middle class who is targeted by the government if not the preponderance Black and destitute? Why the onslaught against a class of the population that has no significant handle on the economy? How does the government hope to lift the masses out of dejected poverty if they continue to levy taxes against this much needed constellation that need to enter the higher echelons of the economy? The implementation of e-tolls as it has been argued will unshakably place additional burdens on the poor who will have to fit the increase on the food and petrol bill?

Awakening tomorrow morning on 3rd December 2013, exactly 100 years and six months, I (and Gauteng citizens) will wake up and experience a place where we are “Free Pariah’s” in the land of our birth.

WHY MOYO RESTAURANT’S SHOULD NOT CLOSE

Like all entrepreneurs, one needs Mettle Nerves to start and maintain a business. Only those who never attempted their hands or money at business will be full of excitement when a business falls from grace. The ever so Illustrious and Gorgeous Moyo Restaurants are in trouble. The holdings Company Gootspa Investments is under business rescue. We ask where it all went horribly wrong or we could decide to support the dream of a South African who provide jobs to many and offer an African experience which cannot be disputed.

Their website tells their story like this.

"Moyo is the realisation of one man’s passion for all things African – from art and design to music, cuisine and crafts. In 1998, Jason Lurie started moyo as a small 120-seater restaurant in Norwood, Johannesburg, serving exceptional African cuisine amidst soulful vibes.

Today, live African music and sophisticated African dining are the benchmarks of the eight evocative moyo establishments. In 2002, stylish moyo Melrose Arch rose from its granite bedrock to five enchanting levels offering diverse fine-dining experiences to privileged guests." (http://www.moyo.co.za/)

So, how do we keep their dreams alive as a South African community? Media houses prey on stories like this so that they can sell bad news to consumers. We (WILLIAMS PLAATJIES MEDIA) think that it is time to change the Media Landscape and tell stories in perspective and empathetic. Let us not kill our wounded soldiers.

We firmly believe that Development Finance Institutions (DFI’s) should run to their rescue and offer them the must needed capital to stay afloat. Moyo’ should not fall victim to the foul play of credit, it should not close.

Anthony Phillip Williams
Editor: SMME XCLUSIVE MAGAZINE
0726272080
smmexclusivemagazine@gmail.com
http://smmexclusivemagazine.blogspot.com/

Marketing, Not Sales, Must Get the Big Money Spent

Small Business in particular is guilty of not giving any thought to marketing let alone give money to it. We, do the same thing everyday and hope to see new results tomorrow. Marketing we think is an expense that must not receive money or cut to the bone, because it is un-necessary, at-least so we think. That could not be further from the truth.

Steve Jobs one of the world greats led the ultimate turnaround in corporate history, taking a near-bankrupt Apple and turning it into one of the largest and most profitable companies in the world … but he didn't look that great on paper. He wasn't an engineer. He couldn't write a line of code. He didn't have an MBA. He had no college degree at all. He wasn't a great manager, in the conventional sense. When it came to the bureaucratic aspects of running an organization, he was useless.

So what made him great? His gift, simply put, was marketing. In the words of Guy Kawasaki, who worked under Jobs at Apple: “Steve was the greatest marketer ever.”

According to Forrester Research, buyers are anywhere from two-thirds to 90 percent of the way through the buying process before they ever contact a vendor or sales person.

In many cases, both business-to-business and business-to-consumer buyers wait until the last possible minute to contact a sales representative, relegating sales to mere order takers. What force people to eventually buy into your product has got to do with marketing.

For a moment, just think about your own buying experiences. To what lengths do you go through to avoid talking directly to a sales person?

Consumers today are in complete control of the buying process, and are engaging in information to become smarter at a torrid rate. According to Google’s Zero Moment of Truth research, in 2010 the average consumer engaged with five pieces of content before making a buying decision. In 2011, that number doubled to more than 10.

Google is projecting that this number will continue to increase as consumers engage in even more media. Of course it will. According to comScore, in November 2012 the penetration of smartphones moved beyond the 50 percent mark in both the United States and most of Europe. That means the majority of us have content-gathering tools with us at all times. It also means that buyers can increasingly avoid salespeople when and if they want.

To sum up, Forrester analyst Lori Wizdo states that:

Marketing now owns a much bigger piece of the lead-to-revenue cycle.

But if marketing is much more responsible for the buyer’s journey, why do sales get more of the money?

A Mindset Shift

The majority of marketing and sales leaders will not disagree with the research above, but it seems our pay structures need a serious wake-up call. For example:

According to Salary.com, the median salary for a sales director in the United States is $140,205 USD, but a marketing position at the pays $119,836 USD, or 15% lower.

The top sales executive in a US company makes an average of $233,381. The top marketing executive averages $207,564 USD (a difference of 11%).

So even though marketing is responsible for a conservative 70% of the buying cycle, sales gets a more significant portion of the salary allowance. And think about it…the 70% doesn't take into the account the post sale nurturing that marketing is responsible for in the form of loyalty, customer retention and brand evangelist programs.

Don’t get me wrong…I'm all for compensating salespeople. And this is not another sales and marketing alignment post. The problem here is that we are using traditional pay scales that have not in any way adapted to the changing nature of the buying cycle and the more critical role that marketing plays today.

No longer are marketers merely “sales helpers” that puts together pretty brochures and brand awareness programs. Marketers, in order to position the brand as a go-to informational resource, to get and keep customers, and to even create better customers, are more critical than ever before.

All I ask is that those in charge of the budgets take a realistic look at the importance of the marketing role in enterprises today. It’s time to get out of the past.

SMME XCLUSIVE MAGAZINE: CHANGE THE ENTIRE WORLD THROUGH NOVELTY

SMME XCLUSIVE MAGAZINE: CHANGE THE ENTIRE WORLD THROUGH NOVELTY: Change the entire World through Novelty                                                                     Some good time back, at the ...

SMALL BUSINESS SET ASIDES POLITICALLY ELECTRIC

Why and our resolve  

To be or not to be, that’s the now pertinent question affecting the Small Business “Set-asides” dichotomy. The governments over R800 Billion infrastructure development projects that are being rolled out, necessitates this conversation. The millions of South Africans on social grants induce us to have serious self-analysis as a nation. We must resolve that the small business set-aside awarding should be an established involuntary practice and traced in the fact that fixed procurements exclusively to small business organisations will accelerate and ignite the economic advances South Africa made.

It is said that the Small Business Set-Aside Program is probably one of the oldest, if not the original, program set up to help small businesses win government contracts. This program helps assure that small businesses are awarded a fair proportion of government contracts by reserving (i.e., “setting aside”) certain government purchases exclusively for participation by small business enterprises.

A set-aside for small business is the reserve of acquisitions exclusively for the participation by small business outfits. A small business set-aside must be open to each and every enterprise regardless of political affiliation; this is the only way politicians can build credibility amongst ordinary citizens. To the extent practicable, unilateral determinations should be allowed and initiated by the accounting officers and be used as the basis for small business set-asides rather than joint determinations by procurement centres. All solicitations involving set-asides must specify the applicable small business size and standards.

The future of South Africa remains in deep uncertain economic times. Levels of inequality are growing at an alarming rate. SA’s economic policies are not making things any easier, while its growth trajectory hangs in the balance. The down grading by rating agencies adds to the already adverse environment. The fact that investors are looking else where at more establish markets, brings excessive pressure upon all emerging markets, including SA. However, reading some of the Finance Minister’s comments of late, Mr Pravin Gordhan remains resolute, South Africans need to be cognisant of the country’s history and the effects the past continues to have on the present, while it remains important for all to craft a new future. Said Pravin “…forget where we come from; start looking at where we need to go…” I agree with the minister that we need to be more aware of the structural matters we inherited and that in my view the economy remains to have structural imperfections.

How we collectively craft this new economic organism will ultimately define our character. Facts are that the tax base was increased by this government and the country’s high debt was attacked with impressive results. The investments in projects remain substantive, but the returns on investments are not equally impressive. We require novel manoeuvres. The small business set asides and good transparent awarding’s should put government and the country on an improved compulsory pathway.  I’m baffled to by how South Africa’s local and provincial governments have set targets to buy from small business but nothing happens. The city of Cape Town is suppose to spend 40% and in Gauteng 60%, but these targets were not met. Researches agree that the reason why they fail is that set asides are not backed by any legislation.

National Treasury seems to be the stumbling block. The cabinet approved plan to allocate 85% of the spend on 10 key goods and services to small businesses is being failed by treasuries inflexible approach. National Treasury seems to be intolerant with regards to this developmental and emerging economy. I suspect that they measure the SA economy parallel with developed economies. There could be merits in that approach, but we will simply not move from the starting line with that mindset. The Dti’s plan to leverage more local procurement for its infrastructure programme suffers as a result of treasury’s iron hand. They need to easy up. National Treasury is unquestionably doing a great job, however they need to loosen the grip, particularly to assist small business.

The significance  

Significant number of business formations continues to mull over this fiscal penetrating dialogue. It remains a politically electric discourse with fanatical supporters and detractors on either side. Who should be at the epicentre fielding the intricacies of this poignant issue? Shouldn’t the Jacob Zuma administration pursues to infuse capital into this significant market? What are the fundamental issues regarding the constrains of this long over due imperative?  In the coming election year, should the small business set asides not feature prominently and should small businesses not secure orders now from federal government as a designated group, collectively so? America’s researchers reported that after 35 years of small-business contracting goals, they started evaluating the worth of the set-asides since it was not delivering the intended results? We must be alert to the inadvertent consequences of this important practice which I advocate.

It was reported around July 2013 that one of the countries risk finance institutions Business Partners Limited allocated a whopping R1-billion plus for SMEs in their 2013/2014 financial year. With this investment they hope to grow the economy and cultivate entrepreneurship in the republic. The key focus of the funding will be to assist and develop the SME segment by providing business infrastructure, information and after-care service. It is public knowledge that SMEs remain the key drivers of prosperity and affluence. “Annually, new funds will be split approximately between real assets (50%), being property investment into purchases, joint ventures and financing of owner occupied properties; traditional family-owned, lifestyle small and growing businesses (40%) and high impact and risk deals (10%)” it was reported Business Partners executive director Christo Botes said. This kind of available funds informs my contention that a fix percentage small business set asides of all government projects should be ordered immediately, meaning instantaneous implementation.  The result and significance of small business set asides will be indisputable job creation, fiscal relieve on the country’s coffer, economic growth, regain of dignity and increase in taxes etc.

The benefits

Streamlining into the future, we (government) need to first prioritize Micro Business set asides. South Africa has millions of Micro Businesses that are the real contributors of the economy. These are women and men who get up in the early hours of the morning and venture into just about every street corner, railway stations, bus stops and even side walk selling their goods. The benefit of set asides particularly for Micro Business is to improve access to markets and government contract opportunities for “very small business companies” by reserving certain procurements.There seem to be resistance by government purchasing offices. Secondly, we need to prioritise Small Businesses. Small businesses are the backbone of any economy.  The SA government recognizes that.  Reality is that all funding agencies that are mandated to assist this sector is under capitalised. Consequently, to insure that small businesses are on equal footing with mega corporations, the national government’s program of small business set-asides need urgent appraisal, evaluation and reform in order to assure that a percentage of annually awarded contracts are “set-aside” or are reserved for them. This practice holds an important key in unlocking the treasure that this nation boasts. Small business set-asides should be of perennial interest to government because of their role in effectuating the countries policies of assisting small businesses. 

Anthony Phillip Williams

Editor: SMME XCLUSIVE MAGAZINE

0726272080

smmexclusivemagazine@gmail.com

CHANGE THE ENTIRE WORLD THROUGH NOVELTY

Change the entire World through Novelty                                                                    

Some good time back, at the University of Johannesburg in South Africa, a team of scientists led by University of Johannesburg (formerly Rand Afrikaans University) scientist Professor Vivian Alberts achieved a breakthrough after 13 years of long research.  The breakthrough invention by Professor Vivian Alberts formerly at the University of Johannesburg, which uses a micro-thin metallic film, has made solar electricity five times less expensive than solar photovoltaic cells. For the first time, solar electricity is economically feasible and cheaper than coal. Global sales for solar panels are forecast to be over $200 billion by 2020.

The great Professor Vivian Alberts strongly believed in the future of alternative energy sources, particularly the direct conversion of sunlight into electricity. He should lead Africa’s solar strategy and also set up Africa’s Solar Institute.Besides conducting fundamental material research, the group with the great Dr. Alberts has also developed the unique ability to produce and evaluate completed solar cell devices and mini-modules. This applied field of physics is relevant from an academic as well as an industrial point of view. The group actively collaborates with various national and international groups and receives financial support from the NRF and Volkswagen Foundation in Germany.

A Silicon Valley is nothing more than a refugee camp of revolutionaries who couldn’t get a hearing elsewhere. Young African entrepreneurs from all walks of life, must try their hands at just about everything, and they must learn this at an early age and the sooner they learn how to turn anything into an opportunity the better it is for all of Africa. Young people must be encouraged to venture into new frontiers, without the fear of punishment because of failure. They must know that within failure lies the next opportunity that could possibly change the entire world through novelty. African entrepreneurs must be independent thinkers with an inner believe in their own abilities to create and initiate opportunities beyond the ordinary. “What we need is not an economy of hands or heads, but an economy of hearts. Every employee should feel that he or she is contributing to something that will actually make a genuine difference.” Gary Hamel, 2002, Leading the Revolution    

The refugee camp of revolutionaries called the Silicon Valley brings dreamers, thinkers and fenders together. Like Europe, America, India and China Africa has plenty of dreamers and thinkers, but Africa doesn’t have its own team of independent venture capital firms that is African in character and globally experienced. “Over the past four quarters—even as the depths of the nation’s economic problems became evident—venture capitalists invested more than $7 billion in seed and early-stage companies in more than 1,400 deals, according to the MoneyTree Report from the National Venture Capital Assn. and that’s more money raised by young companies than in any calendar year since the dot-com bubble burst in 2001”, wrote John Tozzi, 2008 December, BusinessWeek.

The United Nations, the International Monetary Fund and the World Bank have the infrastructure and experience to set-up venture funding agencies in Africa. These irrelevant and outdated agencies must take a different view to partnering with the African continent; they must prioritize the development of an entrepreneurship culture in Africa. I agree with President Jacob Zuma as he addressed the General Assembly of the UN this week, he said that they are irrelevant. Somehow it seems that those who manage funding in Africa use the same funding models that get used in Europe or America. Financial assistance for entrepreneurs in a primary and meaningful way represents an opportunity for the United Nations and the World Bank to re-invent itself and in the process assist Africa with lasting entrepreneurship development for the continent. Africa’s economic development needs huge amounts of capital from venture funding agencies that are based on the African continent.

The role of venture funding needs to be viewed based upon the future focus business entities that mushroomed into global success stories in the United States, Europe and Asia. The illustrious list includes Microsoft, Google, Facebook, YouTube, Nokia, and Apple. Africa’s think tank on entrepreneurship must take a closer look at business industries such as waste management, solar and wind energy and the wide list of biotech firms involved in areas such neuropsychiatry, nephrology, immunology, and cardiology. If the international agencies lack the political will to change the face of Africa, role players on the continent must engage media groups like BusinessWeek and private equity investors firms in the United States to stimulate entrepreneurship amongst the local and of critical importance is to need to set-up regional equity firms in Africa?

CapStar, a 47-employee bank founded in Nashville in July, raised an initial $25 million from private equity investor Corsair Capital and an additional $62.5 million in common stock. The bank, which claims to be the highest capitalized start-up bank in Tennessee history, focuses on small and midsize businesses, commercial real estate, and personal banking. It estimates bringing in $1.2 million in revenues in 2008. Regional blocks such as the South African Development Community (SADAC) need to identify a pool of young regional equity funding specialist with the view of educating them through private equity firms like CapStar.

One of the United Nations and World Bank success stories is found in Nigerian amongst the waste. Cows to Kilowatts have found a clean way to convert slaughterhouse waste into bio-fuel for household cooking and electricity. Instead of smelly, inefficient traditional waste-treatment methods, Cows to Kilowatts offers a bio-reactor system that turns organic waste into cheap, non-polluting fuel. As a bonus, the system churns out environmentally friendly fertilizer from the remaining sludge.

The Cows to Kilowatts partnership built its first plant in Ibadan to treat slaughterhouse waste with a $500,000 grant from the U.N. Development Program.

The company then raised an additional $200,000 from a World Bank competition and used it to build a bio-reactor to generate electricity from cassava waste in the Nigerian city of Ilorin.

The Ibadan plant, which generates around 1,800 cubic meters of bio-gas per day, already provides affordable cooking gas to 5,400 homes. The plant is expected to be profitable within two years. The initiative is also reducing pollution inside the homes of poor families because the cooking gas it sells is cleaner than commonly used fuels. Now, Cows to Kilowatts is raising money to replicate the Ibadan plant in other African cities in Zimbabwe, Kenya, and South Africa. Cows to Kilowats made international headlines when it was named as one the Tech Pioneers chosen by the World Economic Forum. 

The global film industry is one of the biggest money spinners that have so much potential for young African producers, directors, script writers and actors. African cinema despite all its beautiful landscape, wildlife and safaris are ignored and under-utilized. Public interest in African movies is not growing at the rate it should. The limited exposure and financial support African producers, directors and actors get from government agencies and private sector investment on the continent is to detriment of Africa and its people. ‘Bollywood’ is a major force in the global movie industry for the Indian government, private investors and media has taken the time to create Superstars out of the local Indian actors. ‘Bollywood’s’ run-away success formula is built around culture, tradition, diversity, plenty of dance and a simple story line that speaks to the billions of Indians in India and the rest of the world.

African governments must think about the entrepreneurial benefits for Africa when it comes to movies, in other words, they must think what return on investment would be forthcoming for the continent, how many jobs it would create for the locals. Movies are a powerful tool of marketing and promoting a loving and peaceful Africa. Africa’s movie strategy should focus on setting up animation studios, promoting the majesty of the African continent, the people, culture and everything else African that is majestic and beautiful. 

Global sport can be viewed as one of the biggest money making industry, tennis, soccer and even athletics is experiencing phenomenal growth in Europe and America. Poorly skilled and under qualified sports administrators are appointed by their political masters to ensure the political goals are achieved as priority number one while the national standard regresses. Priority number one for any sports administrator must be the improvement of the performance of our African athletes and sports stars.

In a nutshell, this means the appointment of the best candidate capable of achieving the desired priority of making African sport the best in the world. African governments must invest vast sums of money in development of African sports administration as a commitment to unlocking entrepreneurial opportunities for Africans in Africa.  African superstars need to be managed by African Sports Administrators who like the superstars pour money back into the continent and the empowerment of its citizens.

Every year billions of rand’s are bumped into the field of health and medical research in countries all over Africa by American and European companies. They conduct studies on various diseases that include Malaria, yellow fever, East African sleeping sickness, and lethal HIV/AIDS. The data and findings they extract from the costly research, becomes the birth place of new patents in the medical world. Africa is the incubator of the world’s pharmaceutical and medical world; with the trail and test that are conducted these firms are in position to create new medicine for an ever growing patient that include Malaria, yellow fever, East African sleeping sickness, and lethal HIV/AIDS. As is the case in mining African, entrepreneurs must seize the opportunity within the fields of health and medicine. African entrepreneurs cannot wait upon governments who have failed to provide even the most basic of health services for the millions of poor people. American and European companies think about creating new products for new consumers which equals entrepreneurial thinking. Let’s act and think entrepreneurial, Africa.

The emerging view from leading climate change scientists is that we have a window to commence effective action against climate change and finding alternatives energy sources without harming Mother Earth. Energy security and climate should be dominant features of public discourse and entrepreneurial thinking in Africa to promote entrepreneurial innovations that shape our collective contribution to the global effort to promote sustainable growth through cleaner energy. I am watching with abate breath on the current Intergovernmental Panel on Climate Change (IPCC) meeting findings regarding humanities contribution to global warming. Infect, it’s already known that it’s “Extremely likely” that humans contribute 95% to global warming. Friday just gone by, a report by the world’s most renowned scientists regarding the current state of climate was released.   

Two Live-Fuels based in the United States is one of several companies trying to produce low-cost bio-fuel from algae. Why algae? Since it grows in water, an algae farm doesn’t eat up valuable farmland like corn, which is used to make ethanol. And because it grows through cell division, algae can be harvested every few hours—theoretically yielding as many as 20,000 gallons of oil per acre, per year. In fact, it appears that algae can generate more biomass—and oil—than nearly any other vegetation. Africa has loads of algae farms waiting to be harvested, if entrepreneurs are not guided in this direction Africa could end up buying alternative energy from the West in the future. Let us change our world through originality, freshness and imagination.

Anthony Phillip Williams

Editor: SMME XCLUSIVE MAGAZINE

0726272080

smmexclusivemagazine@gmail.com

HOW TO STRETCH YOUR RAND?

Mike Bobby, a dear friend and an accomplished Entrepreneur wrote this article. It was suppose to be in my second edition of the magazine, before it (SMME XCLUSIVE MAGAZINE) took a plunge. We are back and will tell the stories until someone find our offering worth supporting. This is a good and must read. 

With the current Economic challenges World-Wide there seem to be a new alertness regarding what we spend our money on.

I am sure that most of us are aware of the challenges we are faced with financially and would like to live like Mr. Jones next door but realize that we have to get control over our finances.

My writing is from a Lay-Man perspective and I have put together a short plan on how to STRETCH YOUR RAND and still live up to the Jones’

Warning: Please consult a registered financial planner or Debt councillor for professional assistance as the information given here is simply from an experiential perspective and is not a rule to the reader.

1)      Know what you Owe and what you Own.

 Make a list of your assets and liabilities because this is normally a good place to start at if you want to make a difference to your finances.

• Make sure that you know what you own and who you owe.
• Your list must be comprehensive (including your bicycle and car).
• You have to keep in mind that you want to get out of this rut of debt so you must know your financial well-being and exercise yourself to practice good financial planning.

2)     Track-down every-single-one of your accounts (the ones you owe and what you owe)

• List them from least to greatest (smallest amount you owe to biggest amount you owe).
• Make sure that you calculate the full amount so that you have the total.
• See your debt as one account.
• Once you know what you owe and work a plan,your life becomes easier and you can now     systematically reduce your debt.
• Pay the amounts as prescribed by your arrangement or installment plan and
• Pay the amount of starting to kill the smallest outstanding debt first and once you have paid up the smallest account,use that money that you paid on this account to tackle the next account up your list and so on and so on.
• Remember the extra cash is not for your consumption,but rather to reduce and eventually eliminate your debt.
• DO NOT GET INTO THE DEBT TRAP AGAIN.

3)      Make a firm decision not to buy any-thing else on account. Remember you want to live better in the future so you need to deprive yourself of those unnecessary luxuries until you have overcome your debt giant.

• Minimize your expenses.The thing that kills our cash is unplanned spending.We know that we do not have the money to spend and yet we spend money on the spur-of –the moment items.
• Don’t be locked into contracts that you cannot get out of.
• Let go of the gym contract that you are not visiting anymore,walk or run as this will still save you some money.
• Eat out less and rather make your own meals out of magazine recipes(quite a bit of fun when the whole family joins in.)
• Plan your driving trips and start a lift-club or walk to your supermarket as this will do you good.
• Plan your grocery buying and look out for specials as they come around weekly.
• Do not buy what you do not need.

 4)  Telephones and Cell Phone(Salary Phones)

• Reduce your phone calls and rather use sms (Skype Video Calling is Free) or e-mail to communicate as phone bills can be quite high if you have verbal diarrhea.(Talking with-out Stopping)
• Get a pre-paid phone as you can control your calls. Different service providers offer different specials use them to your advantage.

5)  Electricity and water.

• Reduce your electricity bill by switching lights off in a room that you do not use and every-time you leave a room switch the light off.
• Switch your geyser off during the day and only switch on when you get back from.
• Electricity counts when you leave it on over time. Cover your geyser with a geyser blanket to maintain the heat.
• Only fill your kettle with water for the amount of water needed as the extra water not used also consumed electricity.

 6)     CASH IS KING.

• Take back your life by putting a little cash away.
• At least 10% for tithe/charity,10% for yourself and work with the rest.
• If you have cash,you are in control.
• If you don’t have cash,some-one else is in control of your life.

 The next time we talk we will go into recycling and waste management.

Regards

Mike Bobby

www.kwa-eden.co.za  email: info@kwa-eden.co.za