Hymie Zawatzky understands what it means to be an immigrant - to leave one's homeland and embark on a journey to an unknown destination. He and his wife Joan arrived in Australia from South Africa in 1979 and settled in Melbourne. He is the son of immigrant parents who were forced to leave Europe in the 1920s for South Africa.As a qualified and experienced chartered accountant (FCPA) he was able to establish himself in Australia. Later he moved on to start a consulting company specialising in the retail and property industry.The process of immigration and assisting new migrants is one of his special interests. This led him to serve on the steering committee of the Ethnic Council of Victoria and to establish a new ethnic radio station in Victoria. Presently nearly every ethnic group broadcast on radio.He is the author of Australia the Immigrant's Guide to Retail, Retail Survival in Tough Time and The Retailers' Guide to Lease Negotiation and Administration and The Australian Handbook Post Covid, all of which are available for review on his web site www.placeofbooks.com.His practical and theoretical understanding of Australian finance, his own experience in immigrating, plus a great deal of research, has given him an ideal background to writing this book.