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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 - Read online/download .pdf
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
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Derek's
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India 2024 - A Photographic Book
What the latest Google reviews have to say about us
Have worked with Harbour & Associates for many years to issue & renew our BBEEE certificate for our Labour Law Attorneys firm Puke Maserumule Attorneys Cape Town and have only ever had 5 star service. Quick, efficient and professional. Have recommended their services to many colleagues.
When I hadn't yet met Derek for a session we had numerous email exchanges and he was quick to respond while also showing care in his responses. He gave materials from his book to go through before our session and the information was amazing. When I eventually met him virtually, I came to understand why he was highly recommended!
Had a lovely meeting with Derek Springett recently to get some clarity around the tax side of my business, and honestly couldn't have asked for a better experience. I went in with a lot of questions and uncertainty, and Derek took the time to actually work through everything with me no rushing, no generic answers. What stood out was how personalised the advice was. He clearly listened to my specific situation rather than giving a one-size-fits-all answer, and he went well beyond what I was expecting from the session. Walked out feeling genuinely relieved and a lot more at ease about where things stand. If you're a business owner needing proper tax guidance, I'd highly recommend reaching out to Derek and the team at Harbour and Associates. Good people who actually care about getting it right for you.
Amazing conversation and lovely wit, appreciate the knowledge shared
Practical, succinct, complete. Love it!
Always get world class service from Harbour & Associates
I had a really valuable meeting with Derek and I genuinely appreciated the experience. What stood out for me was not just the advice itself, but the space Derek created to debate, challenge ideas, and openly discuss the real challenges of running and growing a business. Even without going deep into specifics, the conversation alone helped bring clarity and direction to my thinking. It was refreshing to speak with someone who has real business experience and who isn’t pushing a sales pitch, but rather encouraging better thinking and better decision-making. I left the meeting motivated, challenged, and clear-headed. Highly recommended if you’re looking for thoughtful, experience-based business guidance.
Derek's book is informative & covers all of what one needs to know about setting-up a Trust.
Derek at Harbour And Associates provides outstanding business management and advisory services. From the first interaction, I felt supported and well-advised. He is professional, knowledgeable, and genuinely invested in his clients’ success. He made what could have been a complex process simple and stress-free, with excellent communication and efficient turnaround times. It’s rare to find someone who consistently deliver on his promises while offering such a personal and trustworthy service. Highly recommended for any business looking for reliable, results-driven guidance.
Brilliant fast service. No fuss and friencdly character.
I started a business without a clue about compliance with the regulatory framework and marketing, but Derek, the CEO, mentored me and created the businessman I am today. I have established a huge clientele base without the expensive and complicated marketing tools. My best marketing tools are referrals, and I enjoy doing business under his guidance. Harbour and Associates can turn your frustrations into a business that will turn around your perceptions about doing business.
What excellent service! I have used Harbour & Ass for a few years for various CIPC tasks and recently had to register a new entity, and the efficiency and quick turnaround time were impressive. Thanks, team. I just registered another entity a NPC and they did it in a day. Wow im impressed with this excellent ongoing service.




