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16 Steps to Business - Read online/download .pdf
So, you plan to start a new business? 16 Steps to Business will walk you through each step along the road to success.
16 Steps to Marketing - Read online/download .pdf
A successful business needs tip top cash management and tip top marketing. Marketing is creating an environment in which sales just happen. In 16 Steps to Marketing, Derek shares his marketing secrets in a simple, practical way that will guide you to success.
16 Steps to Tax Wisdom - Read online/download .pdf
The Income Tax Act is, without doubt, the most difficult of all Acts to understand and navigate, so it’s not surprising that there are so many misconceptions about what it says. 16 Steps to Tax Wisdom lifts out of the Act (and other tax acts), the essence of what you need to know as an individual and as an entrepreneur.
16 Steps to Wealth - Read online/download .pdf
From the day that you first earn income you need to start your long term financial planning. 16 Steps to Wealth will walk you through each step of your financial life, building your retirement investments, protecting your money from creditors, avoiding the taxes that come with death, and maximising what you leave to your children and future generations.
16 Steps to Freedom
16 Steps to Freedom is about your ultimate destination in life. You’ve built your Business through successful Marketing and a good understanding of Tax. You are on the road to Wealth. What comes next? Freedom!
Highlights of my online books
- Forming your company
- Planning the business
- Marketing
- Managing your staff
- Managing the cash
- Building the profits
- Tax
- How to develop big picture marketing approach
- Building and maintaining a great website
- Search engine optimisation at its best
- Writing a blog that people love to read
- Customers buy from you, not your company
- All you need to know about tax as a business person
- What is meant by evasion and avoidance
- Bad ideas for saving tax
- Good ideas for saving tax
- How tax works for individuals and companies
- Investing in property
- Using trusts to avoid unnecessary taxes
- Using trusts to protect your legacy
- Getting started with trusts
- Forming and structuring a trust
- Managing your trust
- Building the best legacy possible
Let us share more knowledge with you
Free Zoom meetings
with the author, a Pr(Eng) and a CA(SA). You are welcome to book as many free Zoom meetings with Derek as you like.
Derek's
Blog
Each month, this newsletter includes my latest articles covering a diverse array of topics. From personal wealth and growth to insights on property investments, trusts and estate planning, to navigating the complexities of tax and receiving general business advice.
India 2024 - A Photographic Book
I’ve always wanted to see the real India and the opportunity came when my son-in-law said he was going on a 22 day trip in October. 2024.Click below for a free read.
This is what the latest Google reviews had to say about the Author
simangele mabena
07:29 03 Mar 25
I receive the best experience, they are so helpful and always there to assist with each and every questions.Keep up the good work
rinac
12:11 29 Jan 25
Excellent Mediation and Property AdviceI had the pleasure of consulting with Derek as a mediator, and I cannot recommend him highly enough. His professionalism, in-depth knowledge, and practical approach made the entire process seamless and incredibly insightful.Derek provided invaluable advice on purchasing properties, helping me navigate the complexities of the transaction with clarity and confidence. His ability to break down intricate financial and legal aspects into understandable terms was particularly beneficial.Beyond his expertise, Derek’s patience and attention to detail ensured that all my concerns were addressed thoroughly. His balanced and thoughtful approach made me feel well-informed and supported throughout our discussions.If you are looking for a mediator who is knowledgeable, approachable, and truly committed to helping you make sound decisions, Derek is the perfect choice. I am grateful for his guidance and look forward to working with him in the future.
Sheldon Paro
13:18 10 Jan 25
Thank you Derek for taking the time to meet with me. "Nothing in life is free", but in my opinion, Derek's only compensation from his free consultation is the genuine joy he gets from helping others. He takes the time to understand who you are as an individual, and what you want from your future. Good and practical advice. Highly recommended. Thank you Derek!
Joe Rosen
08:07 12 Dec 24
Our meeting was short, precise and to the point. I believe Derek advised in our best interests. Follow-up detail was immediate.Thanks Derek
sepp
09:22 08 Dec 24
Tax can be a bit of a headache, especially when it comes to more complex things like VAT transactions vs transferer duty or figuring out what tax act fits where and how and so on.I just finished a zoom meeting with Derek Springett from Harbour & Associates and honestly, it's been an eye opener. It's been my second meeting with Derek and I had some tricky questions this time on a property transaction involving VAT. He helped me promptly and even sent me an email with some of the answers he was not able to attend to for time reasons.I’d like to take a moment to express my gratitude for the invaluable assistance you provided on both occasions, I’m truly grateful for your support and guidance.Thank you for your generosity in sharing your time and expertise.
Vidhakar Ramgoolam
10:36 01 Aug 24
Derek has been for great assistance to my portfolio of property in terms of guidance and advise
Zukile Mfengu
06:51 18 Jul 24
Derek is highly knowledgeable and very friendly person; this was observed during one-hour free consultation. I am looking forward to making use of their services.
Schalk Blom
15:28 16 Jul 24
A fantastic read with a perfect explanation of creating wealth minus the pitfalls so many of us make. If you want to create wealth, this is a must read!
Kudzai Manditsera
10:28 23 May 24
Good response time and very helpful and professional responses. My journey with them is only just getting started.
Bashir Patty
14:26 16 May 24
Nothing and no one beats Derek Springett and Harbour Associates relentless counsel… they are always there for you when you need them. Thanks for being there right from day one.
Julian Naidoo
17:47 21 Apr 24
Derek at Harbour and Associates has provided professional and efficient service over the years. His integrity of practice is much appreciated.
theunie chamberlain
19:27 06 Apr 24
Derek is amazing with his advise. Eventhough we have a very unique situation where we are unable to use their services fully, he immediately knew and helped resolve our situation and gave us a good contact to help with the resolution. Derek and the company is definitely worth both a meeting and doing business with them.
Sheena Pizarro
14:31 28 Mar 24
After my Zoom appointment with Derek Springett(MD) from Harbour and Associates, the financial knowledge and insight he has given me every confidence in proceeding with the plan he suggested. I will have to collect and read his books on the "16 steps to financial freedom".
Lucy LSK
07:05 06 Mar 24
I had an amazing meeting with Derek. Lovely personality and very welcoming. He shared valuable and insightful information that will be very useful to my company. There's unlimited meetings with him with no charge at all. Check out his website.
Valentina Forte
18:40 27 Feb 24
I have had a great experience with Barbour and associates my company was registered within a week and other services they provided was were prompt. I still go back to them when I have other company issues. Am glad I found them
warren brown
13:07 01 Feb 24
Derek is extremely knowleagble and the hour that I spent with him was much appreciated and very helpful to me
Thami
05:52 01 Feb 24
The most efficient and effective consultation I have had. The fact that it was free boggles the mind! Thank you Derek, much appreciated!
Gathered Nest Baby Sanctuary
08:54 22 Jan 24
We would like to take a moment to express our gratitude for the invaluable assistance you provided us with regards to the setting up of our non-profit company. We are truly grateful for your support and guidance. Thank you for your generosity in sharing your time and expertise.
Bhungu Shabalala
14:35 08 Jan 24
Derek spent an hour with me petiently listening to my needs and then give advice for free. Sound advice, knowledgeable and even willing to go an extra mile inorder I get helped - excellent.
Trebla Nawor
15:38 20 Dec 23
Derek is a very knowledgeable and practically minded person with a wealth of experience. He graciously gave us unbiased, unpretentious advise, which hit the nail on the head for our circumstances. Highly recommended. Thank you Derek. .
Jenny Fuller
05:26 30 Nov 23
I was so skeptical. Nothing is ever free in this world. We had such an amazing and insightful discussion. The different perspectives he offered gave me food for thought. The areas he had no knowledge about he was open and clear about. So appreciated his input.
Kafjan
17:25 25 Nov 23
Derek is a great help. Explained the best options for my new business venture. Thank you for your time Derek.
Sophie Topueth
11:06 31 Oct 23
Derek graciously gave us an hour of his time during which we could ask him questions about our situation. His calm, analytical, and constructive approach helped us very much in seeing a way through the situation. We are deeply grateful to him!
Sabie Moloi
08:16 27 Oct 23
Great session with Derek. He's knowledgeable, and able to break down information in a concise and understandable way. Thanks Derek
Philippe Decoop
09:48 22 Sep 23
Derek, as usual, completely dedicated his attention to my case during the call, was very attentive to details, and asked all relevant questions to perform a holistic analysis of my situation.He answers were precise, crystal clear, and backed up by actual law articles.I am now at peace, and know precisely which actions to take.These one one one session are to me unvaluable!
Nompumelelo Pride Morgan
15:38 16 Sep 23
Derek is such an amazing knowledgeable person. I appreciated the free consultation and wisdom he imparted to me. I recommend him and his company for anyone who is keen to get wealthy.
Fareed Khan
16:30 07 Sep 23
Derek courteously gave me an hour of his time for free and we all understand that time is money. It is a great approach understanding a customers needs first, setting expectations and thereafter getting down to business. I look forward to dealing with Harbour and Associates and I trust Derek’s team will share the same enthusiasm and great ethic he displays.
bogadi manzere
09:34 07 Aug 23
Derek does what no one does anymore. He gives valuable and practical business advice FOR FREE. I spent just over 30 minutes with him and got a straight answer to my business problem. Thank you so much, Derek. I'm grateful for your advice.
Abdul Carrim Haroon
11:54 21 Jul 23
Derek was very professionalGave me the advice i need on my trustAnyone looking for trust or asset protection advice please contact Derek immediatelyDerek doesnt charge for meetings ever which is a big bonus
Olga L
14:03 09 Jun 23
Derek is the most amazing leader I've ever seen! Leading by example and so honest, which is very rare nowadays. Such a great man who speaks at any level and shares his valuable experience at no cost. Thank you Derek for encouraging words and tips. You made me fly!
Jason Stoltz
09:28 16 May 23
Firstly, Derek spent an hour with me to understand my needs and give advice, without even charging for the consultation - this was so welcomed because often you dont know if someone can really help you or not, yet they always send that invoice! Secondly, his understanding of the complex issues surrounding my needs, and the practical way he approaches a solution was also admirable. To top it off, he really took the time to get to know me and the bigger picture surrounding my needs, and this was genuine and authentic. I have not had professional advice nestled into a personalized experience for a long time, so thank you very much Derek!I would certainly recommend reaching out to Derek - his knowledge, insights, depth of experience, and practical problem solving are something I have not come across for a long time!
Federico Maionchi
09:52 28 Apr 23
Derek and his team did a magnificent job.in less than a week, my business was set up and fully functional, everything was resolved in a professional and timely manner, showing a clear genuine interest in their clients.Only regret: not have met him sooner!
Ulrico Grech-Cumbo
11:20 27 Apr 23
The man says what he means - has been tremendously helpful, knowledgeable, reliable. Looking forward to more discussions in the future.
Kyle Shankland
20:00 17 Apr 23
Derek is extremely generous with his time and his knowledge about navigating complex trust restructuring and mediation is indispensable.
Nico Rief
07:14 30 Oct 22
Derek is a fantastic mentor. He is very straight and to the point. You will be forever grateful if you follow his advice. You can ask him anything related to his field of expertise. Whenever he speaks, he is telling you to become a better you and to dream big, but that your dreams should motivate you to act. One of his favorite sayings is that "greed is a dangerous emotion". He comes highly recommended, and I am looking forward to our next session!
Matt Briscoe
10:41 08 Oct 22
Derek is approachable and easy to talk to. A consummate professional. Out the box thinking when it comes to risk minimisation and tax efficiency.Look forward to our next consultation.
Nishthal Sooful
13:17 26 Sep 22
Derek and team are a dream to work with. Derek is extremely knowledgeable, very approachable, friendly and professional. This is my second dealing with him and it has been a truly 5 star experience. I highly recommend their services.
Lorence Ntimane
17:22 20 Sep 22
Derek is generous with his time and knowledge, he enjoys what he does and this comes through in the value he provides, much appreciated.
Dikeledi Moema
12:04 30 Aug 22
Minentle is such a professional person and very helpful in terms of providing advice on their company's services. For the first time in my lifetime have I experienced such service excellence. Keep up the good work Mini and you will reach the mountain top of your desires
H bb
13:23 24 Aug 22
Derek is a friendly and kind man. I Purchased his book on taxes and had a consultation with him. I will soon get his book on 16 Steps to Wealth management. He has a lot of experience in his field. Its actually quite rare to find someone as educated as Derek. He understands the complexities of trust on an intricate level. I honestly think he is the only man in South Africa that understands trust and taxes on a deep level. Look no further than Derek Springett. It doesn't matter where in South Africa or the world that you are based. Reach out to Derek for expert advice.
Kobus Venter
07:05 21 May 22
Wow what an awesome experience. Not even a customer but Derek is willing to part with his knowledge and assist us with some questions on how to setup our business. Will definitely buy his books to gain more insight.
