Archive | Artikels: Gazette

Think and Do like a millionaire

By David Malherbe   –   Published in Drakenstein Gazette – Friday 21 March 2014

“I never stop thinking like an entrepreneur,” says the owner of the company iFix that specialises in repairs of Apple and Samsung devices.  And I believe this is vital to the success of any business.  James Allen said, “As a man thinks, so he becomes.”

The poem  It’s all in the state of the mind concludes with the following words of wisdom:  “You’ve got to be sure of yourself before you can ever win a prize; Life’s battle doesn’t always go to the stronger or faster man; But sooner or later the man who wins is the fellow who thinks he can.”  On the contrary “If you think you’ll lose, you’ve lost, for out in the world you’ll find success begins with a fellow’s will;  it’s all in the state of the mind.”

Do you believe that you can be successful in business?

But it is not only the way you think that is important.  There is also the important aspect of a disciplined lifestyle that leads to wealth.  In a Reader’s Digest article How to live like a Millionaire Thomas Stanley shares the results of his study of wealthy people.  He found that the average person with a net worth of a million rand or more is usually a businessman who has lived all his adult life in the same town.  He owns a small factory, shop or service business, married once, and still married, lives in a middle class area, next to people with a fraction of his wealth.  But he is a saver and investor.

Stanley believes that attitude is the greatest difference between millionaires and the rest of us.  He found that the rich follow certain rules:  1. Live below your means, i.e. do not spend more than you earn, therefore avoid borrowing money.  2.  Emphasise net worth and not income.  If you have a large income but spend it all, you’ll never become wealthy.  3.  Cultivate good advice, which means it is important to seek professional advice on financial matters, and 4. Develop a plan.  You can only be successful if you know where you are heading.  If you fail to plan, you plan to fail.

David Malherbe and Dewald Scholtz will discuss this topic in more detail Monday evening from 19:00 till 20:00 on Radio KC 107.7FM in the program “You the Entrepreneur”

(David Malherbe is a business- and career consultant and lives in Wellington.  He can be contacted via his web page www.jedidiah.org.za or T/F 021-873 0262 or on Facebook at “Jy die Entrepreneur.”)

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What you behold, you become

By David Malherbe   –   Published in Drakenstein Gazette – Friday 7 March 2014

A friend sent me an e-mail containing this quote: “You cannot hang out with negative people and expect to live a positive life.”  I immediately realised how very important this is for every entrepreneur.  When you are a business owner who needs to build your business, care for employees and handle whatever comes your way, you cannot afford to be negative.  You are the source of a positive atmosphere and culture in and towards your business.  If you are not positive, how can you expect others to be positive about the business?

If you are at a point of stagnation in your life and business, you will most probably find that most of your friends are in the same situation and when together, probably all you talk about is your problems.  Maybe it is time that you change the atmosphere.  Your best friends should be those who bring out the best in you, who create a positive “vibe” and who will encourage you.

The Bible also teaches this.  “Do not be deceived:  Evil company corrupts good habits.” 1 Cor 15:33;  “He that walks with wise men shall be wise; but a companion of fools shall be destroyed.Prov 13:20 and “A mirror reflects a man’s face, but what he is really like is shown by the kind of friends he chooses.” Prov 27:19

There is a proverb that says “What you behold, you become.”  It is your choice what you read, what you listen to, which TV programs you watch and which people you surround yourself with, but remember, you will become what you behold.  Your choices will determine your outlook in life.

You cannot choose your parents, but you can choose your friends.  Sometimes it is better to be alone than in the wrong company.  A single conversation with the right person can help you face the challenges in your business with new enthusiasm and vigor.  You need to steer clear of negative-thinking people.  Look carefully at the closest associations in your life, for they will be the indicators of the direction that you are heading.

David Malherbe and Dewald Scholtz will discuss this topic in more detail Monday evening from 19:00 till 20:00 on Radio KC 107.7FM in the program “You the Entrepreneur”

(David Malherbe is a business- and career consultant and lives in Wellington.  He can be contacted via his web page www.jedidiah.org.za or T/F 021-873 0262 or on Facebook at “Jy die Entrepreneur.”)

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Ekonomiese tekens van die tye

Deur David Malherbe   –   Gepubliseer in Drakenstein Gazette – Vrydag 28 Februarie 2014

Ek ry vanoggend van die Paarl af Wellington toe en sien verskeie plekke waar druiwe van pars- waens afgeval het.  Dit veroorsaak gladde, nat kolle op die pad en ek besef dit is een van die tekens dat dit parstyd is in die Boland, soos Sias Reynecke in sy liedjie gesing het.

En dadelik dink ek daaraan dat ons as entrepreneurs ook insig nodig het om die tekens in die ekonomie raak te sien en te verstaan.  Daar is altyd sekere tekens of aanduiders wat vir ons wys wat ons te wagte kan wees in maande wat kom.

In 1 Kron. 12:32 word daar geskryf van die Issaskar stam, “… die mense wat die tekens van die tye verstaan het en geweet het wat Israel te doen staan.”  Almal van ons het nie altyd daardie insig en kennis van die ekonomie om te weet wat om te verwag nie.  Daarom glo ek is dit belangrik dat enige sakepersoon hom- of haarself op die hoogte moet hou van wat in die ekonomie aangaan deur gereeld in die koerante se finansiële blaaie en ander finansiële publikasies te lees wat kenners skryf oor die jongste verwikkelinge.

Hierdie week was dit weer die jaarlikse begrotingsrede wat deur die Minister van Finansies aan die Parlement voorgelê is.  Dit is ‘n belangrike ekonomiese aanduider of “teken” van faktore wat ons besighede in die komende jaar gaan beînvloed.  Maak dus seker dat jy ten minste lees wat  kenners voorspel hoe die staat se die begroting jou en jou onderneming gaan raak.

Daar is egter ook ander faktore wat beslis hierdie jaar ‘n invloed op ons besighede gaan hê.  Daar kom ‘n Aprilmaand met baie vakansiedae, soveel so dat die skole glad ‘n ekstra week gesluit gaan wees aan die einde van April.  Dit gaan verseker ‘n invloed hê op wat jou onderneming daardie maand kan produseer.

Daar is ook ‘n verkiesing op hande en ons gaan hoor van beleide en die baie beloftes waarmee elke politieke party ons gaan probeer oortuig dat sy beleid die beste is.

Wees daarom wakker, in Engels “alert”, sodat 2014 steeds ‘n goeie jaar kan wees.

David Malherbe en Dewald Scholtz gesels Maandagaande van 19:00 tot 20:00 oor Entrepreneurskap op Radio KC 107.7 FM tydens die program Jy die Entrepreneur.

(David Malherbe is ‘n besigheids- en loopbaan konsultant en woon in Wellington.  Hy kan gekontak word via sy webblad www.jedidiah.org.za of by T/F 021-873 0262 of op Facebook by “Jy die Entrepreneur.”)

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Racing to the top or the bottom?

By David Malherbe   –   Published in Drakenstein Gazette – Friday 21 February 2014

What makes Apple (Computers etc.) such a strong brand worldwide?  Their products are way more expensive than any of their competitors’ products, yet almost everybody would like to have one.

I can assure you that trying to sell products cheaper than their competitors is definitely not part of their marketing strategy.  Many business owners spend a lot of energy and planning on what they can do to sell their products or services cheaper than everybody else.  Unfortunately in the vast majority of cases this is not sustainable and will consume all your energy.

Seth Godin calls this the race to the bottom; when a cheaper version of your product or service comes on the market, people will substitute your product or service for the cheaper one and you’ll once again have to cut on your price to stay in the game.  You really don’t want to win the race to the bottom.

What makes Apple so successful is that they elected to rather go for the race to the top, which means to make excellence the goal they want to achieve.  Their motto is that they want to make their products beautifully designed, simple to use and user friendly.  It is well known that the late Steve Jobs was adamant that every product had to be only the very best.  And we all know the result.

Jobs was once confronted with a situation where the motherboard of a new model had to be finished within a very short period of time.  When he looked at the work the developer did, he remarked that it was not neat enough.  The developer said that the specific part is something that nobody will see and that the limited time available, makes it impossible to finish the product off that well.  Steve Jobs immediately got three extra people to help the developer, but he insisted on the best quality.

Producing excellent quality is not the quickest way to grow your business, but it is for sure the way to go if you would like to grow a lasting business.  If you compromise on quality, you compromise the future of your business.

David Malherbe and Dewald Scholtz will discuss this topic in more detail Monday evening from 19:00 till 20:00 on Radio KC 107.7FM in the program “You the Entrepreneur”

(David Malherbe is a business- and career consultant and lives in Wellington.  He can be contacted via his web page www.jedidiah.org.za or T/F 021-873 0262 or on Facebook at “Jy die Entrepreneur.”)

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Raad vir skuld!

Deur David Malherbe   –   Gepubliseer in Drakenstein Gazette – Vrydag 14 Februarie 2014

Nadat ek die vorige twee weke oor stygende rentekoerse en skuld geskryf het, het ek heelwat navrae van lesers ontvang wat raad soek oor hoe hulle hul skuldprobleme moet hanteer.  Daarom het ek besluit om hierdie week nog ‘n bietjie stil te staan by skuld en krediet.

In die eerste plek glo ek dit is baie belangrik om te onthou dat as jy enigiets op skuld koop, gaan jy heelwat meer daarvoor betaal as wanneer jy dit kontant sou koop.  So, as jy nie nou die geld het om dit kontant te koop nie, hoekom wil jy nog meer vir dieselfde item betaal?

Ek weet daar is groot aankope soos ‘n huis en voertuie wat die meeste van ons nooit sal kan koop as ons dit nie kan afbetaal nie.  Maar ek glo kleiner items soos kos, klere, ens. moet ons liewer kontant probeer koop.

Kredietkaarte is net so moeilik om af te betaal.  Jy hoef elke maand slegs tien persent terug te betaal, maar elke maand koop jy weer daardie tien persent vol en die skuld word nooit afbetaal nie.  Mense sê die beste raad om van kredietkaartskuld ontslae te raak, is plastiese chirurgie; sny die kredietkaart in klein stukkies op en gooi dit in die drom.  Betaal dan maandeliks die skuld daarop af en koop wat jy met die kaart sou gekoop het, kontant.  Die groot voordeel is dat jy binnekort nie meer elke maand nog ‘n klomp rente ook gaan betaal nie, en jy gaan die rentegeld ekstra hê om mee te koop.

Sou jy die maand nie genoeg geld hê om al jou uitstaande rekeninge te betaal nie of jy kry dalk aanmaningsbriewe van skuldeisers, moenie net stilbly en dink die probleem sal verdwyn nie.  Gaan liewer na die skuldeiser toe en verduidelik jou situasie aan hom / haar en beding ‘n ooreenkoms van hoe jy beplan om die skuld terug te betaal; en baie belangrik, hou by die reëling wat jy getref het.

Maak 2014 die jaar wat jy gaan probeer om uit skuld uit te kom, en hou dan aan om sover moontlik kontant en skuldvry te leef.

David Malherbe en Dewald Scholtz gesels Maandagaand van 19:00 tot 20:00 verder oor hierdie onderwerp op Radio KC 107.7 FM tydens die program Jy die Entrepreneur.

(David Malherbe is ‘n besigheids- en loopbaan konsultant en woon in Wellington.  Hy kan gekontak word via sy webblad www.jedidiah.org.za of by T/F 021-873 0262 of op Facebook by “Jy die Entrepreneur.”)

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2 Sam 12:25 “So he called his name Jedidiah because of the Lord.”

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