Win a brand-new car or R80 000 in cash this July with HomeChoice! All you have to do is guess how many of our blankets we’ve squeezed into a brand-new Chevrolet Spark and you’ll be entered into the draw to win the car or an R80 000 cash prize.

HomeChoice is the country’s leading catalogue and online retailer and offers you a wide range of exclusive homewares sourced from some of the world’s leading design houses. From our luxurious bedding, opulent curtains and elegant dinnerware to our top quality cookware and appliances, we ensure our customers get nothing but the best in style and quality. Plus, with 6- and 16- month terms available and no deposit required, it’s the most affordable way to bring glamour into your home! Our range of products includes:

Bedding

From duvets and comforters to bedcovers and sheets, HomeChoice brings you a range of luxurious bedding sets to transform your bedroom. Our duvet and comforter sets are fully reversible and include matching extras like curtains, scatter cushions and throws for complete bedroom co-ordination. Our ornate comforters and bedcovers are crafted from lavish satin, taffeta and faux silk fabrics and feature embellishments such as appliqué work and embroidery for added touches of luxury.

Curtains

We like to think of curtains as ornate window dressings. That’s why our range consists of only the latest designs in an array of luxurious and ornate fabrics. Plus, we deliver all our curtains with free hooks and tie-backs so you can transform your lounge or bedroom as soon as they arrive.

Luggage

Everyone should travel like a star and with our designer luggage sets it’s completely possible. Our buyers have selected only the most stylish and hardwearing suitcase sets just for you, so that you can trend-set while you jet-set.

Dinnerware

Be it a family dinner or a quick snack, our dinnerware sets bring opulence and style to any mealtime. We’ve made our crockery sets from the finest porcelain and stoneware with embellishments like gold or platinum trim, embossing and more, while our cutlery is meticulously crafted from the finest stainless steel in a range of contemporary designs.

Cookware

Every chef should have the right pots to prepare the perfect meals. Crafted from only the sturdiest aluminium, stainless steel or cast iron, our cookware is designed to help you deliver nothing less than magic in the kitchen.

Appliances

Our range of appliances consists of a host of handy helpers that are both energy-efficient and of the highest quality standards. From chopping, slicing and cooking to vacuuming and ironing, we have an appliance to help you with every chore. All our appliances are manufactured by specially selected suppliers and are subjected to extensive testing to ensure they are completely safe!

Three facts that should be extremely concerning to all medical aid members:

Fact 1: Doctors and specialists charge significantly more than your medical aid will pay

Fact 2:    You are liable for the shortfall

Fact 3: Accidents, illness, and medical emergencies can happen at any time

A common misconception is that a 100% medical scheme option will pay for 100% of a member’s in hospital treatment costs.  This is simply not the case.  The percentages used by medical schemes describe the percentage of the medical scheme’s own tariff list they will pay and are not an indication of the percentage of the treatment costs that they would cover.
Medical practitioners such as Doctors, Surgeons and Specialists are free to charge what they choose and they may even charge up to 400% of the medical scheme’s tariff.  The result is a payment shortfall or Gap that is for the account of the medical scheme member.
These payment Gaps can be significant.  For example members that are on a 100% medical scheme option would be liable for a personal payment of approximately R9 500 should they undergo a caesarean childbirth, a coronary bypass operation would leave a shortfall of approximately R29 500, hip replacement R18 000, knee replacement R14 000 and tonsillectomy R5 500.  These are some of the frequent shortfalls that exist but in total there are thousands of procedures that would result in payment shortfalls.  It is specifically these payment shortfalls that are covered by Medical Gap Cover.

Medical Gap Cover covers the difference between 100% of the tariff and the medical practitioners charge regardless of what your medical scheme pays which means that if you are on a medical scheme that pays more than 100% of tariff you will have extra cash in your pocket.

For a premium of R128 per month, cover is provided with a total annual limit of R165 000 per individual member and

R1 000 000 per family.

(Personal Accident Cover is provided to the member at no additional cost)

Click on the video or the following links to see how our products have benefited some of our clients:

http://www.youtube.com/watch?v=0qzDULr1hVo

http://www.youtube.com/watch?v=17NrH6Noyxk

The Terms and Conditions of this policy are available to you by contacting Zestlife via the submit page. Underwritten by Guardrisk Insurance Company Ltd. Zestlife Investments (Pty) Ltd is an authorised Financial Services Provider FSP: 37485 (Terms & Conditions apply)

Tax Season is finally upon us and like most people we’ll probably leave it to the last minute. And then there’ll be the inevitable rush to get things done and submit your documents to SARS hoping that the gods will smile kindly on you.
For most people and small businesses, we’ve just come out of the worst recession since 1933 and your figures are probably not looking great. That, of course, just adds to the stress of making sure things get done properly and hoping that you have enough cash reserves to cover your tax bases.

Everyone wants to decrease their tax liability, and we thought we’d compile a few for you:

1. Get your things in order now.

Too many people wait until the very last minute. When the deadline looms they can’t find the right documentation, mistakes get made and they end up paying more taxes than they should because they can’t claim for things they have the right to claim for. My getting your documentation done now you’ll have enough time to sort out a proper tax strategy.

2. Be honest with your taxes.

If you’ve messed up and don’t have the cash reserves to pay your taxes – be honest about it. SARS is not the monster people make them out to be, as long as you’re the one that confesses the mess-up to them. You may find SARS would be happy to give you a payment plan.

3. Use a proper accountant.

Too many people try and do their taxes themselves. This goes for personal and business people. South Africa’s tax laws are complicated, to say the least. Don’t be deceived by the simplified forms. By using a proper accountant to submit your taxes you’ll find there are things you have the right to claim for that you didn’t even know about!

Need some help?

If you’ve read through this and realise you’re in trouble, don’t panic. We’ve asked our friends at Bach Accountants to be on standby for anyone who wants to get their taxes in order. Visit their website, by clicking here.

Why do you need life insurance?

Life insurance isn’t for the benefit of the person who is insured, it’s for the insured’s loved ones. Your family needs the guarantee of a comfortable financial future in the event that something should happen to you. A good life insurance policy can help you meet that goal.

The primary purpose of life insurance is to enable your family to continue their current lifestyle when and if you’re no longer around. It is also designed to help meet specific needs that your family will have in the future.

Here are a few examples of how a good life insurance policy can protect your family:

• Life insurance will replace your lost income in the event that it goes away in the future.
• It can pay off your mortgage and provide your family with a debt-free home.
• Credit card and other consumer debts can be liquidated with life insurance benefits.
• An adequate life insurance policy will fund a quality education for your children.
• Final expenses can be paid from your life insurance proceeds, preventing the need for your spouse and/or children to have to deal with them at the worst possible time.

How much life insurance do you need?

As a general rule, a married couple with children should purchase a life insurance policy for at least 8-10 times the primary wage-earner’s annual salary. But special circumstances may require more:

• Do you have a large bond on your home?
• Do you have one or more children that will eventually attend university?
• Do you have one or more family members who are long-term disabled or someone who  will require extensive medical care?

If you answered yes to any of the questions above, you need to adjust the amount of life insurance coverage accordingly. It’s wise to err on the side of too much coverage instead of not enough. Your life insurance agent can help you determine the amount of coverage that is best for you and your family.

Conclusion

Life insurance is insurance for your family’s peace of mind. Their future standard of living may well depend on the life insurance decisions that you make today. Click here to get a free quote today.

Since the launch of Secrets2Success in December 2007 we have been struggling to find a website that not only fits our corporate image but also provides a clean, slick and easy-to-use experience for our readers. Today’s launch is an exciting step in the right direction and as a team, we hope you enjoy the experience with us!

There’s a lot more in store for our readers in 2010! Suggestions welcome!

Free Sales and Business Building Event Offered by Local Experts

Intensive 1-hour Program Offers Proven Strategies for Understanding and Improving Sales and Business

(Cape Town, South Africa) – SalesPartners, a sales and business building training organization, announced that it will offer its Cash Flow Explosion workshop, free of charge. Scheduled to be held on a weekly basis throughout October, November and December the workshops are designed to provide attendees with actionable strategies to immediately maximize revenue potential, increase profitability, and positively impact the bottom line.

The SalesPartners’ Cash Flow Explosion workshops are designed for small to mid-sized businesses, entrepreneurs, sales managers, network marketers, sales representatives and truly any business person wanting to positively impact revenues and profitability. Workshop attendees will learn:

• The six critical elements needed to run a successful business
• How to go from emergence to professional abundance
• The six necessary steps to every effective sales process.
• How to overcome public enemy #1 and attract what you really want from business and in life
• How to sell more in any economy

The workshops are being offered free of charge as a result of SalesPartners mission to serve the local business community. “We realize there are a good number of small to mid-size businesses and business people, who are struggling.  At SalesPartners, we are business owners ourselves and can relate to those struggles. However, we also have the solutions to the problems that keep business owners and sales teams up late at night. SalesPartners is built upon time-tested sales and business building strategies which can quickly and efficiently increase sales,” said Bettina Horvath, SalesPartners Cape Region owner and franchisee.  The organization’s philosophies stem from SalesPartners co-founder and CEO Blair Singer’s teachings. Singer, an international bestselling author, professional speaker, and successful entrepreneur, is considered by many to be a leading expert in this arena.

“We know these strategies work and have witnessed the SalesPartners methodology transform our client’s lives from a business perspective as well as from a personal perspective. Despite the fact that we are currently operating in a very weakened economic environment, the demand for our proven solutions continues to be strong,” said Bettina Horvath.

Cash Flow Explosion upcoming workshop dates are as follows:

October  22nd    “Die Ou Pastorie” Boardroom, 41 Lourens Raod, Somerset West    3.30 pm
October  29th     “Die Ou Pastorie” Boardroom, 41 Lourens Raod, Somerset West    3.30 pm
November  5th   “Die Ou Pastorie” Boardroom, 41 Lourens Raod, Somerset West    3.30 pm

To register or for more information call 082 99 26 007 or visit www.salespartnerscape.eventbrite.com.

About SalesPartners & Blair Singer
Blair Singer is the co-founder and CEO of SalesPartners, a global sales and business building training organization with over 60 franchised offices around the world.

Since 1987, Singer has led thousands of business owners and Fortune 500 leaders to maximize earnings potential and increase bottom lines. Companies including Singapore Airlines, Redken  5th Avenue, IBM, UPS Stores, Dunkin Brands, CIBC-Canada, United Healthcare, and Westin Hotels, have all benefited by his highly-effective and motivational teaching style.

Singer is the author of three bestselling books including Sales Dogs: You Don’t Have to be an Attack Dog to be Successful in Sales,  The ABC’s of How to Build a Business Team that Wins, and “Little Voice” Mastery: How to Win the War Between Your Ears in 30 Seconds or Less, and Have an Extraordinary Life!  He has also worked on a variety of collaborative efforts with the international bestselling author of Rich Dad Poor Dad, Robert Kiyosaki, has served as a Rich Dad Advisor for over 10 years, and speaks at many Rich Dad seminars and events.

For more information on Blair Singer, visit www.blairsinger.com or call 1 – (602) 224-7792 (US).

Recession Busting Breakfast

A few months ago I heard about an initiative to Boycott the Recession. The initiative was started by Blair Singer, the founder of SalesPartners Worldwide. The initiative has spread to South Africa.

One of the most powerful things about South Africa is our Spirit of Ubuntu. Nowhere else in the world do you find a sense of community like that when a group of like-minded people get together to help each other out of a difficult situation.

The astounding truth is that we have the power of adding our strengths and working together to change your Personal Recession into a time of Personal Growth.

In the same Spirit of Ubuntu, three dynamic business women, Bettina Horvath of SalesPartners Cape Region, Gwen Kloppers of Inspiring Women Network and Veena Sebastian of the Atlantic Imbizo Conference Venue, decided it was time to work together to help small business owners unleash their potential and bust through the recession.

Cape Townians have the opportunity to learn how to bust through the recession in just three hours.

There are business breakfasts. And then there are Recession Busting Business Breakfasts. This is not merely an opportunity to collect a few business cards and hope for the best. This is an opportunity to learn valuable skills that will take your business to new heights and give you the opportunity and the skills to turn your business around, literally within 3 hours.

In this powerful and engaging breakfast you will learn within 3 hours exactly what it takes to find clients, make a memorable impact and close more sales.

As part of the breakfast each delegate will also be given a Recession Buster Kit valued at over R3500.

For more information about the Recession Busting Breakfast and to book a seat, visit the website here: www.salespartnercape.co.za

In 1997 Robert Kiyosaki launched his controversial book, Rich Dad, Poor Dad. In the current economic crisis people are now listening to him. Robert Kiyosaki created Cashflow 101 to help people learn the rules of the Rich.

CASHFLOW 101 teaches you the basics of fundamental investing and how to take control of your personal finances, build a business through proper cash flow management, and learn how to invest with greater confidence in real estate and other businesses.

While money has the power to make you a slave to it – it also has the power to set you free. CASHFLOW was created to teach people how to become a master of money and elevate their financial IQ.

Learn how to get out of the Rat Race and onto the Fast Track where your money works for you instead of you working hard for your money. Use this game to practice real world investing with play money! CASHFLOW® 101 is an educational board game that teaches accounting, finance, and investing at the same time – and makes learning fun.

We have sourced a few copies of CASHFLOW® 101. We are selling these at R2300 including Post and Packaging.

Parker Cottage offers luxury get-aways that don’t cost the earth. Literally. It’s the only Green Eco-friendly Heritage Guest House in Cape Town, offering it’s patrons warm luxury in a beautiful Four Star Environment. Now with the Cape Town Winter in full swing you can take advangtage of their amazing Second Honeymoon offers.

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