www.sanlamreality.co.za • Spring/Summer 2018
Millennials Tech-savvy and free-spirited or entitled and lazy?
wealth
How successful people save
travel
Last-minute holiday ideas
wellness
6 Ways to eat like a dietician
debate
Digital schools: the end of education as we know it?
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Spring/Summer 2018 On the cover
06 M ILLENNIALS: TECH-SAVVY & FREE-SPIRITED OR ENTITLED & LAZY? 18 LAST-MINUTE TRAVEL IDEAS 30 HOW SUCCESSFUL PEOPLE SAVE 34 DIGITAL SCHOOLS: THE END OF EDUCATION AS WE KNOW IT? 48 6 WAYS TO EAT LIKE A DIETICIAN
Also inside
11 TRAVEL 14 SEA + SAFARI = SUMMER, SORTED! Why Cape Vidal has something for everyone 22 AHOY, CAPTAIN! See France the crowd-free way: on a barge! 27 WEALTH 38 START YOUR OWN SIDE HUSTLE Expert advice for earning extra income 41 WELLNESS 44 NATIONAL HEALTH INSURANCE: WHAT’S THE DEAL? We investigate the pros and cons 50 ANXIETY: WHAT IS IT? And how serious is it really? 54 5 MOVES TO WORK YOUR BODY (& MIND) They're easy, promise! 57 ENTERTAINMENT 60 STREET FOOD FROM AROUND THE WORLD Create a global tapas table this summer 64 5 MINUTES WITH… Comedian Thapelo 'TIPS' Seemise 67 REAL WORLD Inside Sanlam Reality
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contents
We l c om e My name is Sarah, and I have a confession: I’m a Millennial. It feels like a dirty word: aren’t we meant to be the worst? When I posed the question ‘Millennials: lazy and entitled?’ to the team while planning this issue, I was amazed by the level of emotion I was met with. Anger and outrage from the Millennials; vehement agreement from most Gen Xers. Everyone has an opinion: I challenge you to ask it at your next family gathering! Of course, generalisations about anything – not least an entire generation – crudely oversimplify things. I’ve worked with Millennials who hustle hard and Gen Xers loathe to get their hands dirty. I’ve also experienced Gen Xers whose work ethic inspired me, and fellow Millennials who fulfilled the unflattering stereotypes. It is, after all, about the person – and the person is shaped by many things: circumstance, upbringing, economic and political climates… But whatever your opinion – and whichever your generation –
Sanlam Reality is the lifestyle, wellness and rewards programme of the Sanlam Group. The Sanlam Reality programme provides a wide range of benefits covering many aspects of today’s busy lifestyle needs, all of which benefit Sanlam Reality members every day. Members enjoy access to exclusive offers, competitions and discounts across a wide range of lifestyle purchases, as well as discounts and extra cover on their Sanlam products. Sanlam Reality aims to educate members on a variety of topics, including finances. SANLAM REALITY PROGRAMME Head of marketing and communication Francois Uys Communications manager Lucille Moore Communications coordinator Hasina Khan SANLAM REALITY CALL CENTRE Telephone 0860 732 548/9 Email info@sanlamreality.co.za Website www.sanlamreality.co.za
there’s something in this issue for you: from advice on anxiety (which afflicts one in five of us, p.50) to an overview of the impact the National Health Insurance Bill could have (p.44). Plus, inspiring travel ideas (haven’t booked anything yet? Turn to p.18), and delish recipes anyone – even a kitchen klutz, like me! – can try, p.60. This issue is also packed with ways to enjoy summer and save, taking advantage of your member benefits and discounts. Here’s to a rewarding – and hopefully relaxing – summer! SARAH BROWNING-DE VILLIERS, EDITOR
Photography: Shutterstock, supplied, Kirsten Mackrill
Our contributors
REAL FUTURES (PTY) LTD Real Futures is a wholly-owned Sanlam Ltd company managing the Sanlam Reality Programme for the Sanlam Group. Chairman Ahmed Banderker Directors Gary Allen, André Larisma, Theesan Moodley, Jan Steenkamp Company secretary Ulishia Baijnath
PUBLISHED BY NARRATIVE FOR SANLAM REALITY EDITORIAL Editor Sarah Browning-de Villiers Email mag@sanlamreality.co.za Junior writer/sub-editor Anitta Banjwa Proofreader Katherine Farrell Contributors Busisiwe Gumede, Deborah Herd, Ian McNaught Davis, Inge Bezuidenhout, Katelyn Allegra, Khadija Magardie, Nicci Botha, Richard Holmes, Sinead Martin, Tracy Melass PRODUCTION Head of production Nicky Scheepers Traffic manager Ashleigh Tremearne CREATIVE Creative director Christelle Grobler Art director Marisa Steyn NARRATIVE CEO Neal Farrell Content director Robyn Daly Business unit director Lauren Brabant Chief content officer Sarah Browning-de Villiers Account manager Soni Siwela CAPE TOWN HEAD OFFICE Tel: 021 487 9100 Email: mag@sanlamreality.co.za 50 Harrington Street, Zonnebloem, Cape Town, 7925 PO Box 16258, Vlaeberg, Cape Town, 8001
ANITTA BANJWA Passionate about storytelling and how different narratives connect us to worlds beyond our immediate access, Anitta interviewed CEOs and entrepreneurs about how they make their money work. [+] See more in the feature on PAGE 30.
BUSISIWE GUMEDE Busisiwe is a broadcast journalist passionate about youth issues. She took a break from her TV anchor chair (you may have seen her hosting eNCA's BackChat) to write in defence of Millennials. [+] See more in the feature on PAGE 6.
Published by Narrative. All rights reserved. No part of this publication may be reproduced, stored in a retrievable system or transmitted in any form or by any means, electronic, photocopying or otherwise without the prior written permission of the copyright owners, Narrative Media Group, Harrington Street, Cape Town, 7925. Printed by Paarl Media. While reasonable precautions have been taken to ensure the accuracy of advice and information given to readers, the editor, proprietors (Real Futures (Pty) Ltd) and publishers cannot accept responsibility for any damages or inconvenience that may arise from incorrect information.
Printed on paper sourced from sustainable forests.
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What can your
Personal Assistant
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Did you know? You have access to a free PA service 24/7, 365 days a year that can help you with requests that help you save time and money! Ask your PA today to find out more about: Quotes and booking info for summer getaways Ideas for New Year’s Eve parties near you Outdoor fitness events this holiday to help you earn tier points Price comparisons for gifts you’ve got your eye on
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Supporting single parents
I’m a single parent and am simply amazed by the support that this magazine has to offer. Being a single parent always meant trying to save a little all the time, and the Sanlam Reality programme allows me to do so. The article that really struck me in the Autumn 2018 magazine was the ‘Single and divorced parents: know your rights’ feature. It provided me with the information I needed, and I will definitely be speaking to my financial adviser about my estate planning. I just wanted to say thank you for putting this magazine together and for the support provided to all subscribers. Bernadine Moodley
Helping you save on spoils I just want to say what an awesome club this is. If it wasn’t for me being a Sanlam Reality member, I wouldn’t have been able to spoil my 15-year-old niece last month with dinner and a movie, followed by dessert. We went to watch a movie at Nu Metro Canal Walk – which I booked online via the Sanlam Reality website – and I was also able to get us a discounted refreshment combo (popcorn and a Coke or water) with our tickets. I would never have been able to entertain her if I’d had to pay full price for everything. Thank you once again Sanlam Reality – you are amazing. Liesl Kirsten
LAST ISSUE’S COMPETITION WINNER: Walter Fraser won our Autumn 2018 Mango flights prize – well done!
Photography: Shutterstock, supplied; Interview: Anitta Banjwa
Congrats to Bernadine: she’s won a R1 000 Cape Union Mart voucher!
Sanlam Reality in three words… “Discounted fun together!”
Family option, because everyone can access and enjoy the great benefits.”
Travel savings – what’s not to love? “My husband and I travel quite frequently, so the travel benefits are a favourite: they enable us to travel comfortably while saving money. I love having access to the Bidvest Premier Lounge. Having discounted flights also makes the journey more enjoyable: I recently used my international flights benefit to travel to London.”
An excuse for quality time together “I love the Nu Metro discounts for entertaining my grandchildren. It helps me spend time with them as well as treat them to a movie and pay much less than I would have otherwise. We also use the Computicket benefit to catch up as a family and enjoy quality time together – plus, if I go to a show with my husband, we only pay for one ticket! “Sanlam Reality has been a great blessing to use as a family. We’ve been able to spend more time together, and my husband and I have been able to enjoy affordable travelling.”
Benefitting the whole family “Sanlam Reality benefits have enabled us to have a good time as a family without spending too much money. For example, www.sanlamreality.co.za
me m b e r
MEET THE
JANET WHEELER FROM PINETOWN REALITY Plus MEMBER
we have a gym contract at Planet Fitness and the rewards keep us motivated to attend the gym as much as we can. It helps that we are on the Reality Plus
SPRING/SUMMER 2018 REALITY
5
the other side of reality
l DEBATE a i n n e l l i M
THE
BIG
Two writers weigh in, and we investigate some of the stats behind this disruptive generation.
Are Millennials lazy and entitled? KHADIJA MAGARDIE, 42 Journalist, producer, director
M
illennials garner praise for their embrace of new ways of doing things, unencumbered by the shackles of their Gen X and Baby Boomer predecessors. In theory, the world should be the oyster of this cohort. The Zeitgeist evokes images of flourishing arts, culture and politics and a new, flexible world of work – coupled with rapid tech advances. Yet Millennials haven’t lived up to their hype as a pioneering, risk-taking, civically responsible generation. If a series of credible studies are anything to go by, the average Millennial hasn’t taken up with equal vigour the enterprising spirit one would expect of a generation handed so much opportunity. Seldom does a day go by without some 20- or 30-something calling into a radio station to decry the state of politics in South Africa or to lay the blame squarely on the state for failing to ‘create opportunity’ for them, sitting at home with a degree but no job. That’s if they aren’t too busy posting lengthy screeds in the same vein on Facebook. As much as they garner praise for being ‘tech savvy’ and ‘free spirited’, Millennials are insular and entitled; expecting far too much to be done for them than for them to do themselves. The results of the Deloitte Millennial Survey 2018 speak to a generation that ‘yearns for leaders whose decisions might benefit the world, and their careers.’ Millennials, we are told, want business leaders ‘to prove themselves’ and ‘exhibit a marked desire for reassurance’. Millennials regard this, together with ‘the provision of more stimulating work environments’ as a pre-requisite for staying loyal to an employer. It’s telling that the number of South African Millennials surveyed in the 2016 Global Millennial Viewpoints Survey who wanted more ‘work/life balance’ exceeded the global average. This could be interpreted two ways: either our Millennials are more progressive, or just lazier. This ‘what can you do for me first?’ attitude extends to an important indicator of societal participation: voting. There continues to be a decline in voter registration and turnout by this demographic. Having missed the worst excesses of apartheid, Millennials could take advantage of a democratic South Africa. Yet they stay away from the polls in droves. Whilst it can be said previous generations were forged in steel (like 1976’s youth), Millennials could be characterised as having been forged in eggshells. Being afforded the benefits of political, economic and technological progress has only made them self-absorbed and cossetted. They are the cotton-wool generation: more inclined to lamenting from the comfort of a keyboard than to launching the next start-up or political party.
BUSISIWE GUMEDE, 27 Broadcast journalist
I
n 2015, young, disgruntled protestors rendered the country ungovernable and had political leaders on their knees. Young people tackled an age-old problem that those sitting pretty in parliament failed to resolve: the unequal access to education, and a failed democracy. This powerful movement would come to be known and internationally praised as #FeesMustFall. This is the same student movement that the then-Minister of Higher Education laughed off, just before a pertinent media briefing meant to address the protests. Jokingly, the minister insinuated that students themselves should fall if they didn’t accept a 6% university fee increase cap that he proposed. The minister believed that Millennials were lazy and entitled. We often hear complaints about the apathy and entitlement that young South Africans supposedly suffer from. Yet the #FeesMustFall movement has been just one example of youth anger coming to a head. It’s not just happening in the political space; we see it manifest in the corporate world, too. Young people are moving away from rigid and restrictive work codes. For many young workers, the workplace is a drag filled with old geysers wasting time talking in meetings instead of being on the ground, getting things done. If you believe that Millennials are ungrateful and narcissistic, then you haven’t taken the time to understand this generation. Millennials are the generation who grew up with overworked parents. They are the most educated and ethnically diverse generation in our country, ever. They are a generation who have watched celebrated apartheid-era political leaders – who fought for democracy – lie without receiving punishment. They have grown up with promises that a degree will free them, only to graduate during a recession while their parents were being retrenched and the ailing economy froze them out of the job market (yet they remain loaded with student debt). These experiences have shaped the culture of Millennials; it compels them to distrust corporates, politics and the ‘traditional’ way of doing things. Instead, they have learnt to always ask: ‘Is this true? What’s in it for me?’ and then use social media and peer-driven conversations to find out – because it seems the only way to hunt for truthful answers. Instead of seeing Millennials as a lazy, entitled generation, consider this: as youth unemployment climbs and technology changes our futures; as politicians steal our money and corporates collude with them – isn’t it time to do things differently? Millennials are rising to the occasion. Millennials are not the problem – they are adapting to a problematic world… and posting plenty of selfies while they’re at it.
Millennials grew up with the promise that a degree would free them, only to graduate during a recession.
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the other side of reality
WHO ARE MILLENNIALS? 18-38
Newsflash: they’re not kids anymore. Millennials were born between 1980 and 2000, making them aged between 18-38 today.
40% They make up over 40% of South Africa’s workforce.
THEY ALSO FACE A JOB MARKET THAT’S GETTING TOUGHER
20% vs
26.7%
Unemployment rate, 1994: 20% Unemployment rate, 2018 (Q1): 26.7% Source: Stats SA
MILLENNIALS ARE FACING A TOUGHER FINANCIAL ENVIRONMENT THAN PREVIOUS GENERATIONS
And as life expectancy increases, Baby Boomers are staying in the job market longer – putting more pressure on jobs available to Millennials.
-4%
Globally Millennials earn 4% less than Gen X did at the same age. Source: UK think-tank Resolution Foundation
+39%
Millennials buying a home will likely spend up to 39% more than when Baby Boomers bought their first home in the 1980s. Source: US’ Student Loan Hero research
1/3
1/3 of Millennials will likely rent their entire life due to rising property costs. Source: UK think-tank Resolution Foundation
x2
They have more student debt than previous generations. Just between 2005 and 2012, student debt for under 30s doubled. Source: Morgan Stanley
59%
59% of Millennials have never married, compared to 16% of Gen Xers and 10% of Baby Boomers at the same age. Source: Gallup, 2016
ARE MILLENNIALS FLAKY WHEN IT COMES TO WORK?
7
Millennials have an average of 7 jobs before they’re 26. Source: Time
Millennials tend to value contacts over a single opportunity and consider talent and accruing experience more important than staying at one company for a longer period. Source: Forbes
60%
60% of Millennials are open to new job opportunities; they are the most likely generation to switch jobs. Source: Gallup
THEY ARE THE MOST EDUCATED GENERATION YET
84%
84% of South African Millennials have completed matric, versus 58% of older generations; 11% have completed university or a post-grad degree compared to 7%. Source: GFK, 2016
8 SPRING/SUMMER 2018 REALITY
www.sanlamreality.co.za
the other side of reality
70%
70% of Millennials check their phone every hour.
1946
They were the first generation to grow up with the Internet and mobile phones.
WHICH GENERATION ARE YOU?
BABY BOOMER 1964
MILLENNIALS ARE TECH-SAVVY
Source: Time
75%
75% of Millennials have a social media profile versus 50% of Gen Xers.
1980
83% of Millennials sleep with their phone next to them, compared to 68% of Gen Xers and 50% of Baby Boomers.
GEN X
MILLENNIAL 2000
83%
GEN Z
Source: Pew Research, 2010
70%
70% watch YouTube to learn how to do something. Source: Google
AS FOR BEING ENTITLED AND LAZY? WELL, KINDA
3x
Incidences of narcissistic personality disorder are nearly 3x higher for someone in their 20s versus the generation that’s now 65 or older.
BUT MILLENNIALS ARE ALSO THE MOST TOLERANT GENERATION YET According to Pew Research, Millennials are more diverse as a generation – and more tolerant of diversity in others, from racial inclusion to acceptance of different sexual orientations.
Source: Time
Photography: supplied, Shutterstock
40%
IN SOUTH AFRICA, MILLENNIALS WERE THE FIRST TO BE ‘BORN FREE’
40% of Millennials believe they should be promoted every two years, regardless of performance (Time blames the ‘culture of participation trophies’ Millennials grew up with: parents and teachers rewarding everyone to improve self-esteem, rather than rewarding individuals who genuinely beat out peers to be the best at something).
10 YRS
80%
70%
Of 80% of Millennials surveyed in 1992 who aspired to have a fantastic job with greater responsibility, only 60% had achieved this 10 years later.
The first Millennials were born 10 years before the advent of democracy in South Africa, but many were born post-1994. They have experienced rapid change economically, socially and politically.
70% of those with tertiary education are the first generation in their family to have achieved this.
Source: Time
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travel Animal INSTINCT
Acclaimed local creative Porky Hefer collaborated with textile artist Ronel Jordaan and craft collectives Heartworks and Mielie to present Endangered, a series of seating pods depicting endangered species made from environmentally sustainable materials. Proceeds go to the Leonardo DiCaprio Foundation, helping protect wildlife from extinction. View his work via The Guild Group, who have a showroom at Cape Town’s Silo District at the V&A Waterfront. Email lezanne@theguildgroup.co.za or find out more at www.theguildgroup.co.za.
trave l
BENEFITS
As much as 30% off Protea Hotels by MarriottÂŽ
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YOUR
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travel
STEP OFF A FLIGHT LOOKING LIKE YOU SLEPT (even if you didn’t)
With Aphiwe Khambule, beauty editor at Good Housekeeping and Cosmopolitan magazines. DO YOUR PREP
“Flights can sap your skin of oxygen,” says Khambule. “Your best bet is to step onto your flight already primed. Before a flight, prep skin with a gel or cream facial mask enriched with hydrating ingredients like hyaluronic acid.”
BE CAREFUL WHAT YOU EAT
“Airplane food is typically very salty, which will only dehydrate you more – and that’s bad news if you want to look refreshed post-flight,” explains Khambule. “Pack your own light meals like apples and unsalted nuts, and avoid caffeine and alcohol on board.”
hide hours of poor sleep under airplane aircon when you land.”
IF YOU DO NOTHING ELSE, DO THIS
“For a long-haul flight, aim to drink ½ℓ of water every hour at the airport until you board, and then while you’re awake on the flight,” Khambule advises. “Try to book an aisle seat as lots of water intake will mean more toilet trips, too!”
PACK THESE FIVE FRESHEN-UP ESSENTIALS
Is it okay to steal the hotel shampoo? Hotel etiquette questions, answered.
IS TAKING HOTEL TOILETRIES HOME STEALING? “It’s totally okay to take the little bottles of shampoo and soap,” says Avukile Mabombo of Marriott International. “But you shouldn’t go beyond that. Taking a comfy pillow or an attractive duvet cover just isn’t on!” There are many other ways to make the most of your
booking. “Use as many of the hotel’s services as possible,” explains Mabombo. “Look up the concierge or the Guest Services Desk at a hotel and ask them whatever questions you have about the hotel, the area, and so on.
USE YOUR BENEFIT
12
REALITY SPRING/SUMMER 2018
Concierges are often people who’ve been involved in the hotel for many years, and they have a wealth of knowledge just waiting for you to tap into. In fact, you’ll probably find their recommendations way better than what Google or TripAdvisor have to offer.”
WHAT ARE THE RULES FOR TIPPING? “If you’re unsure about things like whether to tip the cleaning staff or the waiters at the hotel’s restaurant, that’s the perfect thing to put to the concierge, too,” says Mabombo. Ask your concierge for a guideline on amounts to tip for different services, as well as if it’s best to give a staff member cash directly, leave it in your room (for cleaning staff, for example) or to hand it to the reception with instructions for distribution.
Save as much as 30% on hotel accommodation at more than 70 Protea Hotels by Marriott® across South Africa. Find out more at www.sanlamreality.co.za/benefit/protea-hotels/.
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Photography: Antonia Steyn, Shutterstock, supplied; Text: Sarah Browning-de Villiers
“I have hand sanitiser, anti-bacterial wipes and a mini deodorant in my hand luggage, always! An oil-free face moisturiser and lip balm will also help
5 No-visa travel destinations HASSLE-FREE HOLIDAY, HERE YOU COME!
1
Ireland
The Bahamas
2
Did you know?
South African citizens with a valid passport can currently travel to 102 countries visa-free.
3
Fiji
Indonesia
4 5 Argentina
travel
SEA + SAFARI ! d e t r o s , r e m m u s = Can’t decide on a beach or bush holiday? You don’t have to! Just three hours from Durban, Cape Vidal offers both – plus it’s affordable, safe and sedan-friendly. By Ian McNaught Davis
Waves crash onto the reef at Cape Vidal during sunset.
N
estled in KZN’s pristine iSimangaliso Wetland Park, Cape Vidal has got something for everyone: beaches, lakes, marshlands, grasslands and forests. Plus, you can DIY it – which makes it affordable. Self-catering facilities and self-drive routes mean you can choose your own adventure on game drives as you meander through the reserve on 2x4-friendly tracks, parking off at spectacular viewpoints that punctuate the park. And you won’t be exploring alone: you’ll spot lumbering rhinos, hear the belching of hippos and you’ll snorkel amongst sparkling shoals of fish – all without paying private lodge-level rates. Here, four must-dos on your next trip. SELF-DRIVE SAFARIS Cape Vidal’s drawcard is its DIY game drives that are well marked and in the visitor’s map (buy one at the park’s entrance gate for R10). You can usually fuel up at the pumps at Cape Vidal’s slipway (check beforehand – if not, there’s an Engen in St Lucia) before heading out on the self-drive routes where you’ll see elephants, rhinos and buffalo mowing through veld, crocodiles and hippos wallowing in waterholes and – if you’re lucky – hyenas and leopards in the evenings. Take the Grassland Loop around the eMfabeni Swamp en route to Catalina Bay on the shores of the placid Lake St Lucia. Suss out the game loitering by the waterhole at iMboma Pan before making your way to Mission Rocks via the Vlei Loop where you can park the car and walk on the reserve’s immaculate beaches that carry on until Mozambique. With its diverse terrain, rare birds enjoy Cape Vidal as much as humans do. Arm yourself with binoculars and keep an eye out for the Livingstone’s Turaco, Southern-Banded Snake Eagle or Pink-Throated Twinspot. Make a turn at the picnic spot that overlooks Lake Bhangazi on your way back to the reception – it’s the perfect place to watch reedbuck saunter about in the cool evening air as the sun sets.
1
BEACH LAZING, SEA SNORKELLING There’s a reef that sweeps around Cape Vidal’s beach, protecting the bay from strong currents. This makes the warm waters safe to swim, snorkel and surf-fish in – plus provides a safe spot for launching boats.
2
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The reef is also the reason for the wrecking of the Dorothea, a ship that struck the reef in 1898 – so look out for the shipwreck when you go snorkelling at low tide. If you go for a sunrise dip, you’ll more than likely share the surf with a pod of dolphins. Afternoons can be whiled away on this seemingly endless beach, reading books in a camping chair and taking dips (the water rises to 29ºC in summer). With the right swell and a southwesterly wind, you can also expect some good surfing conditions. PLENTY OF FUN FISHING Shoals of marlin and sailfish attract many an angler to Cape Vidal – who cast lines from both the beach and boats. You’ll need to show your angling permit (R69 annually, R45 short-term; buy at any Post Office branch or via www.virtualpostoffice.co.za). There are facilities to launch boats from and to gut and clean your catch of the day. Fishing bait can be bought at the shop at reception.
3
TOP: Watch hippos wallow in Cape Vidal’s many waterholes. LEFT: Take in the sunset near Lake Bhangazi to the sound of splashing and guttural mutterings of hippos. RIGHT: Cape Vidal is a truly legendary fishing spot, whether you’re casting from a boat or the beach.
TURTLE TRACKING The best time to see turtles is between October and March when the endangered loggerhead and leatherback turtles wiggle up the beaches to lay their eggs in the dunes. Shoreline Boat Safaris and On Safari Africa Tours are licensed by iSimangaliso to conduct guided turtle tours in the southern section of the park. They will send a ranger to pick you up at Cape Vidal.
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SPRING/SUMMER 2018 REALITY
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travel
TRAVEL PLANNER GETTING THERE You’ll take the R618 from Mtubatuba on the N2 to the town of St Lucia, and enter the iSimangaliso Wetland Park at the Bhangazi Gate just north of St Lucia. Entry costs R48 per adult, R36 per child and R58 for a vehicle with up to five passengers. The gate is open 6am-6pm from April to October, and 5am-7pm from November to March.
Stay in self-contained four-bed or six-bed log cabins, nestled in shady forest.
WHERE TO STAY Ezemvelo KZN Parks offers cabins, lodges and campsites in between the ocean and the lakes. Four-bed log cabins (two bedrooms, shower and a fully equipped kitchenette) start at R1 650 per night for four in the standard season. You can rent one of the 45 camping spots in the dune forest from R560 per night, sleeping up to six. There are communal ablutions and power points at each site. If self-catering isn’t your thing, Bhangazi Bush Lodge is on the western shore of the serene Lake Bhangazi. It sleeps eight, has a fully equipped kitchen with a gas stove, deep freeze and the services of a cook for R3 480 per night. High-season costs for the lodge, four-person cabins and four-person campsites are R4 860, R2 310 and R800 respectively.
USE YOUR BENEFIT
16
REALITY SPRING/SUMMER 2018
THE WEATHER Summer (November to March) is hot and humid with rainfall, while winter (June to August) guarantees mild temperatures of warm days and cold nights, with low rainfall. NEED TO KNOW There’s a shop at Cape Vidal reception that sells firewood, charcoal, drinks, tinned goods and snacks. But it’s a good idea to stock up on supplies at the Spar in St Lucia on your way there. The water is fine to shower in, but bring your own drinking water or buy bottled water at the shop at reception (5L, R25). Cape Vidal is defined as a low-risk malaria area, so take precautions – insect repellant, long-sleeved clothing and Lake St. Lucia prophylaxis, if necessary.
Mtubatuba
Cape Vidal
PRICE RANGE You can get away with a week camping for up to six people for under R4 000, which is just over R650 per person for the week – not bad! Add in gate entry, food, petrol and activities. FAMILY FRIENDLY? Yes.
INDIAN OCEAN Durban
CONTACT It’s essential to book accommodation in advance. Call 033 845 1000 or book online through www.kznwildlife.com.
Save up to 50% on Tempest car hire and as much as 30% on Mango flights! Visit www.sanlamreality.co.za/benefits for more.
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Prices approximate and correct at time of print. Photography: supplied, Shutterstock, Ian McNaught Davis
From November to March, the outing with Shoreline Boat Safaris costs R1 100 per person (limited to 10 seats), takes six to eight hours and includes refreshments and a light dinner. Times vary according to the tides. Contact them on 035 590 1555 or by emailing info@stlucia.co.za. On Safari operates turtle tours from November to February. The tour includes a light meal and costs R1 180 per person. Contact them on 035 590 1584 or via blessing@onsafariafrica.com.
WHEN TO GO For whales: June to November. For turtles: October to March. For scuba diving, snorkelling and fishing: all year round. High season: early December to mid-January.
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Perfectly timed for the summer and holidays, get your hands on one of 100 Uber vouchers to enjoy.
How to enter Got to www.sanlamreality.co.za/ competitions to enter.
Prize One of 100 Uber vouchers each worth R100. Competition closes: 10 December 2018. Exclusive to Sanlam Reality members.
Terms and conditions: The winner will be drawn within two weeks of the closing date of the competition and notified directly thereafter. For full terms and conditions, go to www.sanlamreality.co.za/terms-conditions.
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travel
, e t u n i m t Las y
a d i l o h l a loc ideas
Kakamas
NORTHERN CAPE
Left your getaway plans to the last minute? Try these local ideas that won’t break the bank. NORTHERN CAPE STAY Expect breathtaking sunsets and 150 bird species at the familyfriendly Tkabies Campsite in Kakamas. Camping options start from R300/night. www.tkabies.co.za SEE Just an hour’s drive from Tkabies Campsite is Augrabies Falls National Park. From stunning waterfalls to short hikes (just beware, it gets super hot in summer!), Augrabies has a lot to offer, all for a daily entry fee of R49/adult and R25/child. www.sanparks.org/parks/augrabies DO Canoe down the Orange River for the day (R795/person), leaving from Richtersveld. You’ll be accompanied by experienced guides and as long as your kids can swim, they’re welcome. There’s also a half-day option (from R425); call ahead to check availability (027 761 8007). www.orangeriverrafting.com
WESTERN CAPE WESTERN CAPE STAY Hip new hotel Radisson RED is smack bang in the V&A Waterfront’s new design district, the Silo. Pet-friendly (yes, you can stay with your dog!), expect to pay from R2 656/night for a family suite (two adults, two children). SEE The Zeitz Museum of Contemporary Art Africa is just downstairs from Radisson RED and a must-see. Admission is free for under 18s every day, and for African citizens of all ages every Wednesday, 10am-1pm. www.zeitzmocaa.museum DO Venture out to Stellenbosch’s Kleine Zalze. Sip on wine sitting under oak trees, surrounded by beautiful mountain views. Tag onto a wine tasting 9am-6pm during the week, or 11am-6pm on weekends (R15/three tastings; R25/five, per person). www.kleinezalze.co.za
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REALITY SPRING/SUMMER 2018
Cape Town
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FREE STATE
Clarens
FREE STATE STAY Protea Hotel by Marriott Clarens (from R2 100/night for two) is nestled in the foothills of the Maluti Mountains. http://protea.marriott.com SEE Head to Golden Gate Highlands National Park to enjoy its golden-hued sandstone cliffs and outcroppings, abundant wildlife and centuries-old cave paintings (entry from R49/adult, R25/child). www.sanparks.org/parks/golden_gate/ DO Take an art tour exploring the many boutique galleries in and around Clarens. Main Street and Van Zyl Street are the art hubs.
EASTERN CAPE
Jeffreys Bay
EASTERN CAPE STAY Jeffreys Bay is famous for its surf and beaches, so try to stay somewhere seaside, like Supertubes Guesthouse. Since they have a mix of chalets, villas and rooms on offer, there’s a good chance they’ll still www.sanlamreality.co.za
have availability (prices vary depending on accommodation type). www.supertubesguesthouse.co.za SEE Take a drive to Seal Point Lighthouse, the tallest masonry lighthouse in SA. DO Surf lessons are a must,
but if you’re looking for a break from the waves, jump on a horse. Papiesfontein Farm lies 10km outside Jeffreys Bay, between the Gamtoos and Kabeljous rivers. This special piece of land combines bush, river and beach: the perfect setting to explore on horseback. Experienced guides escort riders twice daily (R400/person) along a 13km circular route. www.horsetrails.co.za SPRING/SUMMER 2018 REALITY
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GAUTENG STAY Weaver’s Roost Resort offers leafy, shaded camping spots (R200/night, plus R40/person) in the Cradle of Humankind, 19km from Magaliesburg. There are also quaint self-catering log cabins (from R760/night for two sleepers) if they still have availability. www.weaversroost.co.za SEE Spend an afternoon meandering through Nirox Sculpture Park (R100/adult, R50/child), an idyllic outdoor park filled with eclectic sculptures. www.niroxarts.com DO The Cradle of Humankind is filled with awe-inspiring things to do, from visiting the historic Sterkfontein Caves (R120/adult, R65/child) to a host of day walks and trails. It’s paradise for nature lovers!
Cradle of Humankind
NORTH WEST
GAUTENG Potchefstroom
NORTH WEST
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REALITY SPRING/SUMMER 2018
Prices approximate and correct at time of print. Photography: Neil Heron, Wianlelle Briers, Shutterstock, supplied; Research: Sinead Martin
STAY Nestled along the Boskop Dam, TangleWood Nature Estate in Potchefstroom offers a variety of camping options, making it an ideal last-minute getaway. Your spot will cost you from R220/night for two, R30 for additional under 12s and R60 for additional adults. Hang by the pool or at the on-site pub, or gather together a team for some beach volleyball. www.tanglewoodnatureestate.com SEE If history is your thing, explore Potchefstroom’s museums, churches and flea market (8.30am-2pm every Saturday) to get a real feel for the town. DO Kayak on the dam without leaving TangleWood (from R70/hour) or bring your bike to explore the area on two wheels.
www.sanlamreality.co.za
LIMPOPO
Eden Park
LIMPOPO
Hazyview
STAY Take your tent to Eden Park for a camping break, with everything from play areas and a TV room to a swimming pool (from R620/night). www.edenpark.co.za SEE Smaller game farms are dotted all around Eden Park, but for something more up close and personal, try walking with lions for an hour at Big Cat Experiences in Polokwane (R900/person). www.bigcatexperiences.co.za DO Try a Bearded Heron Safari in Kruger, guided by Neil Heron, a prolific wildlife blogger and photographer. Packages are tailormade according to your needs and budget; contact tina@beardedheron.com for more.
MPUMALANGA
MPUMALANGA
KWAZULU-NATAL
STAY See if Protea Hotel by Marriott Hazyview has availability (from R1 389/night for two) – it’s centrally located and charming. http://protea.marriott.com SEE Check out some game with a day of self-drive safari in Kruger. The entry fee is R83/adult for a day, and from Hazyview it’ll take 20 minutes to drive to the Phabeni Gate. USE YOUR DO The chimpanzee BENEFIT tours at Chimp Eden in Nelspruit’s Barberton are a must. Part of the International Jane Get up to 30% Goodall Institute, off your stay at Chimp Eden was Protea Hotels by established to Marriott® across rehabilitate rescued South Africa. chimps. Tours depart Visit www. three times a day sanlamreality. (10am, 12pm and co.za/benefits 2pm) and cost R200/ for more. adult and R90/child. www.chimpeden.com
KWAZULU-NATAL
Lake Eland
www.sanlamreality.co.za
STAY AND DO Lake Eland Game Reserve, a 35-minute drive from Port Shepstone, offers self-catering accommodation (from R1 600/night for a five-sleeper) as well as camping, if things are already booked up (R300/night). Lake Eland is packed with things to do, from zip lining, paintballing and scooter tours to self-drive safari. www.lakeeland.co.za SEE Lake Eland’s impressive 80m suspension bridge that shows off the splendour of Oribi Gorge. SPRING/SUMMER 2018 REALITY
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AHOY,
CAPTAIN! For a European getaway with a difference, try barging along the canals of France. Just be ready to blend sightseeing and blissful cruising with navigating and time behind the steering wheel. By Richard Holmes
W CLOCKWISE, FROM TOP LEFT: 12th-century village chapel at Dompierresur-Charente; still waters and quaint towns; cobbled lanes in Cognac; kicking back on the top deck in Saint-Savinien; barrel cellar in Cognac; riverside châteaux line the Charente; wheatfields on the Charente floodplain; harvest breakfast from local markets. BOTTOM: Barging allows you to moor up in the heart of local towns.
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hether it’s thanks to the gastronomy, the history or the simple joie de vivre, it’s with good reason that France is rated as the world’s most popular tourist destination. But anyone who’s been to Paris in the summertime knows that a visit means battling the crowds, the heat and the queues. So this year I opted for something different: a European holiday that has enormous appeal for South Africans looking for a sojourn in the French sunshine. I donned my captain’s hat and went barging. “South Africans have realised that canal cruises are more affordable than they thought,” says Liesl Nel, head of Le Boat in South Africa, which offers canal boats and river cruises in eight European countries. It’s also seen a 30% year-on-year increase in demand from South Africans heading to Europe in search of a holiday afloat. There are wonderful rivers to explore across France, but I opted for the sinuous Charente River flowing through central France. From its source at Chéronnac, the Charente flows for 380km through pastoral scenery of farmland, vineyards and scenic villages. But perhaps the highlight of the river is the town of Cognac, where the esteemed cognac houses of Martell and Rémy Martin are eager to share the fiery charms of France. Our journey began a little upstream from there, in the charming town of Jarnac. At the Le Boat base here, we had a choice: upstream towards the medieval hilltop town
of Angoulême, or downstream to Cognac and the wonderful villages of Saintes and Saint-Savinien. After an introduction to the Mystique, and a brief tutorial in piloting our sleek new 14.3m home, we moored up for the night and planned our journey downstream. Comprehensive manuals unpack the mechanics of the boat, while a detailed chart lays out every step of the journey up- or downstream. Locks, currents, towns, moorings, shops, cathedrals and other places of interest are all clearly marked, allowing you to plan each day in detail, or simply gaze ahead on the chart and decide where to stop next. As we chugged downstream over the following days, that quickly became one of my favourite aspects of cruising: each morning we’d decide roughly where we wanted to end up for the night, and motor along slowly at our own pace.
BEST FOR BARGING
For first-timers: Canal du Midi The classic French canal cruise runs through the gorgeous winelands of the Languedoc. Don’t miss out on a visit to medieval Carcassonne, and the bustling university town of Toulouse. For families: Charente River A sparklingly clear river with wonderful fishing, swimming and sightseeing. For historic France: Brittany Seafood, châteaux and five-star cuisine are hallmarks of the canals and rivers of northern France. A wonderful destination for those with an interest in maritime history. For summer sun: Camargue Skirting the shores of the Mediterranean, the Camargue dishes up golden beaches, wide lagoons and wild white horses as you skip between charming seaside towns. For the love of wine: Burgundy Historic cities and iconic cellars make this a memorable option for anyone who enjoys the fruits of the vine. A trio of Le Boat bases allows for a choice of one-way journeys.
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It’s easy to self-cater, making barging an even more affordable option. And – thanks to the manually operated locks of Charente – you’ll have ample opportunity to work off those pastries.
BELOW, FROM LEFT: Clear charts and English manuals make piloting the boat easy, even for first-timers; spring flowers sprouting on every corner; the locks are simple to operate, but take around 30 minutes to pass through.
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Most days passed in a happy haze of sightseeing, shopping, cruising and simply mooring up for a lazy few hours on the river. Other days we’d tie up in a town and pack some touristy activities into the day. Cognac is well worth a stop, and we marvelled at the 10th-century Château de Cognac as we sipped well-aged Baron Otard cognac just steps from the barrel cellar. Saintes was equally charming. A short walk from our overnight mooring, we could marvel at the remarkable Gothic architecture of the Saint-Pierre Cathedral, and wander across to the fresh produce market. On a busy Saturday morning we stocked up on seasonal fruit, gloriously odorous cheese and fresh pain au chocolat pastries. The riverside towns offer wonderful restaurants, but with plentiful markets en route it’s easy to self-cater, making
REALITY SPRING/SUMMER 2018
barging an even more affordable holiday option. With all that wine, cheese and bread to indulge in it could easily be a week of gluttony and sloth, but on the Charente you’ll have ample opportunity to work off those pastries. One of the charms of the Charente, compared to other waterways in France, is that most locks – which control the height and flow of the river, and allow boats to navigate safely – are still manually operated. Transiting through the lock is a straightforward process neatly explained in the on-board manual, and simply requires 20 minutes or so of spinning cogs and wheels to raise or lower the water levels in the lock. While it can be hot work in the middle of a summer’s day, it’s not overly strenuous and is a good opportunity to chat to other boaters on the river. If you’re concerned, you can always
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Prices approximate and correct at time of print. Photography: Richard Holmes, supplied
Narrow locks above the start and end point at Jarnac.
opt for a river with automatic locks, while on some routes dedicated lock keepers are on hand during the popular summer months. But even in the peak summer season we never found the Charente too busy – a welcome change from the crowds and queues of Paris. And while smaller boats and secluded country moorings offer plenty of scope for couples to enjoy a little downtime, barging also makes for a superb family holiday. Our boat had three generations aboard, with everyone from my seven-year-old son to his 72-year-old grandfather relishing the opportunity to operate the locks and tie off ropes. The clear waters of the Charente also make it one of the finest rivers in France for swimming, and each day we’d tie up somewhere safe for a dip. One lunchtime it was on the banks opposite Château de Chatenay, in the deep shade of natural forests. Another evening it was on a ‘country mooring’ far from any towns, the wide river all to ourselves as we laid out a sunset spread for dinner. Tomorrow would bring a new town and a new stretch of river to discover. Aside from returning the boat the following week we had no schedule to stick to or itinerary to follow. Our time was our own and flowed happily like Old Man River. Joie de vivre indeed.
USE YOUR BENEFIT
www.sanlamreality.co.za
TRAVEL PLANNER GETTING THERE Emirates offers flights to Paris from Jo’burg and Cape Town. Fares from R12 000 return. BEST TIME TO GO Avoid peak season (July-August), when prices spike and canals can be busy. The shoulder months (May-June, SeptemberOctober) offer the best mix of lively villages, good weather and affordable rentals. Winter and autumn offer cheap deals, but many sights may be closed. GETTING AROUND Inter-city rail services connect Paris Charles de Gaulle airport with most corners of France. The journey from Paris to Jarnac, for cruising the Charente River, takes
BOOKING YOUR BOAT The cost of boat hire varies; a week-long Charente trip in May 2019 is priced from R18 000 (four-sleeper boat), excluding fuel (around R3 000) and insurance. You need at least two over 18s to book a boat; kids are welcome as long as they can swim. Discounts of up to 20% are offered for advance reservations (www.leboat.co.za). VISAS South African passport-holders require a Schengen visa to visit France. Find out more at https://za.ambafrance.org.
FRANCE
Saintes
C ha r e nt e
three hours and starts from around R1 150/person, return. Book at www.trainline.eu.
Rive
Cognac r
Jarnac
Sanlam Reality Plus and Sanlam Reality Health members can enjoy up to 25% off Emirates flights to Paris. To find out more, go to www.sanlamreality.co.za/benefits/travel.
SPRING/SUMMER 2018 REALITY
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wealth Just 1 in 3 managers are women According to Stats SA (Q2: 2018), only 32% of managerial positions are held by women. When it comes to broader gender parity, the World Economic Forum’s Global Gender Report 2017 ranks South Africa 19th in the world, and third (behind Rwanda and Namibia) for sub-Saharan Africa. The report shows we increased our share of female legislators, senior officials and managers from 2016, but experienced a widening gender gap for wage equality for similar work. Read the report at www.weforum.org. FEMALE
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wealth
6
Questions to ask your financial planner AND WHY THEY MATTER, WITH AUTHORISED PRINCIPAL FINANCIAL ADVISER SECHABA BOLOFO, OF LINEO BLUESTAR FINANCIAL SERVICES.
the six steps of financial planning: Initial contact Fact finding Data analysis Recommendations Implementation Review
2. What services do you specialise in? Some planners are specialists in a certain category, while others are placed to give advice across a wider number of categories. Make sure the planner you’re talking to is suited to your specific needs.
4. How can we draw up an effective offshore investment strategy? This should encompass risks and how these will be managed, plus tax legislation as well as the best time to take your money offshore. “Your financial planner should make sure that they recommend strategies which are Regulation 28 compliant,” adds Bolofo. Regulation 28, issued under the Pension Fund Act, limits the extent to which retirement funds may invest in particular assets or in particular asset classes. Its
3. Can I see a sample financial plan? While financial plans differ, your financial plan should evolve and be aligned to your life’s different stages. Bolofo advises that a good financial plan should comprise of
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REALITY SPRING/SUMMER 2018
main purpose is to protect your retirement provision. 5. When will be the right time to retire and what’s the most effective way to make this transition? “It’s also vital to preserve your accumulated savings from your pension and/or provident fund so you can grow your retirement savings through compound interest,” explains Bolofo. 6. If you want to move abroad: how can we work out a financial action plan? If this is relevant to you, know that moving abroad can be costly. Your planner should be able to assist with a strategy that helps you move, as well as pay off outstanding debt. If you have savings, find out which ones you can access and what the tax implications may be.
EARN TIER POINTS For expert, personalised help with your finances, request a visit from a financial planner. Plus, you’ll earn up to
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Research: Anitta Banjwa. Photography: Shutterstock
1. What credentials and qualifications do you have? “You’re looking for a well-qualified financial planner. Ensure that they’ve attained their FAIS accreditation and regulatory exam,” advises Bolofo.
Age Age 13 18
Age Age 13 18
If you start when your child is 10, you’ll have…
R38 618
R38 618
R69 136
If you start when your child is five, you’ll have…
R69 136
If you start when your child is born, you’ll have…
The cost of education is soaring, meaning saving early for fees has never been more important. Here’s how R250 a month – with a R5 000 deposit, at a 6% interest rate – can add up to a small fortune, thanks to compound interest.
R15 814
R109 975
THE SECRET TO BEATING EDUCATION COSTS:
Age Age 13 18
Note: illustrative values only.
USE YOUR BENEFIT
Apps for raising moneysavvy kids HOW TO TEACH A MOBILE-FIRST GENERATION ABOUT MONEY? TRY THESE APPS – YOUR KIDS MIGHT EVEN FIND THEM FUN, TOO!
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Start preparing for your children’s future today: enjoy up to 100% off primary asset management charges if you save via a Sanlam Investment flagship fund. Visit www.sanlamreality.co.za/benefits for more.
Ages 3-6: PiggyBot (free) An award-winning virtual piggy bank that introduces children to money basics. Cute, fun and engaging for little ones. Ages 7-10: Kids Money (free) An entertaining way to educate kids on one of the most important money lessons: budgeting. Help set goals with your children, then reward them via the app as they achieve them.
Ages 11-14: P2K Money (free) Reinforce healthy budgeting habits and encourage slightly older children to keep working towards savings goals through motivational functions like uploading pics of what they’re saving towards. Ages 15-18: Toshl Finance (free) Help your teens manage their finances from high school through to their first jobs with simple budgeting tactics, all the while giving them a sense of autonomy. SPRING/SUMMER 2018 REALITY
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wealth
SAVING
secrets
FROM SUCCESSFUL PEOPLE Ever wondered how CEOs and entrepreneurs make their money work? Anitta Banjwa did the digging, so you don’t have to! Read on for advice and ideas you can use.
LEBONENG MATHEBULA CEO, GRIDBOW ENGINEERS AND TECHNICAL SERVICES THE LESSONS YOU LEARN IN CHILDHOOD ARE KEY “I was taught how to save from an early age, even though it’s still not the easiest thing to do. I’d receive my school allowance money once a month and how I spent it was up to me. At first, my money was finished before the end of the month. Then I decided to invest the money: I bought a packet of sweets that I sold at school; that’s how I saved to buy my first phone. I carry that childhood lesson with me to this day in business: to invest in assets that can generate income.” GET PROFESSIONAL HELP “I have a financial planner on board who’s always available when I need them, which is very important to me. When choosing an adviser, the main things I look for are their
SAVING TIP “Learn healthy ways of cutting costs: make it a culture. Refrain from seeking short-term solutions to money issues.” – Leboneng Mathebula qualifications, references and if they understand my current financial position, where I desire to be and how to bridge that gap. I also educate myself by attending financial boot camps that teach me how to be financially savvy.” BE CLEAR ON ALL YOUR DIFFERENT SAVING GOALS “I use my savings as a guard for the future, in case any hiccups arise. I also have various savings accounts for holidays, family and any general costs. I view investments as something the next generation can benefit from and something that can generate income and profit. “My greatest investments are my children’s education and assets that will help my company grow, from vehicles to tools and other essential components of my business.” TAKE CALCULATED RISKS “When it comes to debt, you must consider if there are good enough long-term benefits in order to justify taking on debt.” BE HONEST WITH FAMILY “I am always transparent with my family so that they know what it is I can do, and what it is I cannot do financially. Set clear expectations to safeguard yourself and them.” www.sanlamreality.co.za
KURT MOORE CEO, SOUTH AFRICAN LIQUOR BRAND OWNERS ASSOCIATION (SALBA) NOT DISCIPLINED? USE DEBIT ORDERS “If you struggle with saving, setting up a monthly debit order is a great way to kickstart your savings journey. It’s also important to set up a monthly budget and stick to it.” GET ADVICE FROM SOMEONE YOU TRUST “Finding a good financial planner who made it their business to understand the complex environment of finances was
SAVING TIP “Understand how to make credit work and how to use a credit card wisely: earn the rewards but don’t fall into the trap of paying interest.” – Kurt Moore
a critical part of securing my financial future. I meet with mine at least once a year to discuss my investment plans and whether or not I’m on target to meet my objectives.” SAVE DIFFERENTLY BASED ON YOUR OBJECTIVES “I view saving as more of a short-term process, like saving for a rainy day in an interest-bearing account. All of my other savings go towards my bond because it doesn’t help to earn 4.5% interest on something when your bank is charging 9.5% on your bond. Reducing the interest charged on your bond is a very effective way of saving long-term. “When it comes to investing, I see it as more of a long-term process where I can take some risks, such as investing in a combination of shares, bonds and offshore investments. I also increase my investments when there are setbacks in the market (like the 2008 crash). “When it comes to your rainy-day savings, having these funds accessible in case of emergency is more important than yielding high returns.” BE CAUTIOUS ABOUT DEBT “Debt for things like buying a house is unavoidable for most people. Managing that debt and making sure your payments are made timeously is important. Get to understand how credit works: what is the most costeffective credit available? By way of example, a credit card is handy, but pay the full amount when it’s due, otherwise you can pay exorbitant interest.” SPRING/SUMMER 2018 REALITY
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wealth
BEVERLY GUMBI FOUNDER AND MANAGING MEMBER, ISIVUNO CONTAINERS
SAVING TIP “Get a financial planner to help you interpret your accounts and provide a detailed analysis explaining each deduction. It will help you keep track of your finances and mitigate any debt risks early on.” – Beverly Gumbi
DON’T BE EMBARRASSED TO ASK FOR HELP “I have a business financial adviser as well as a personal financial adviser. At the end of each month, these advisers help me read my bank statements and explain anything that I don’t understand so that when I’m alone at home, I can effectively track my finances and see where I’m going wrong, or whether I’m meeting my financial goals.”
education. I’ve also structured different savings accounts with various clubs to keep me disciplined. For instance, a group of my friends has created a travel club where we save money in an interest-bearing account for a specific trip abroad. Not only does this help me stay committed – and keep me accountable! – it also helps me keep track of everything.”
USE DIFFERENT ACCOUNTS (AND YOUR FRIENDS!) TO KEEP YOU ACCOUNTABLE “I open savings accounts for expenses I know are coming up, such as for my daughter’s
PLAN FOR THE WORST “One of my main investments is property as it helps to safeguard my business in case something goes wrong and we need to sell one of our assets.”
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REALITY SPRING/SUMMER 2018
TOP TIP!
Pay yourself first: “When you receive your salary, and before you do anything else, you could make a contribution to your savings/investment account,” says Ya’eesh Cader, head of digital and e-commerce at Sanlam Investments. “This way you’re under no illusions about how much discretionary money you have left after all your bills have been paid. Plus, you’re empowered for the rest of the month (and you’re guilt-free!).”
8 000
Earn tier points and get expert input on your savings and investments by requesting a visit with a financial planner. Visit www.sanlamreality.co.za/earn-points for more.
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Photography: Shutterstock, supplied
USE YOUR PROFESSIONAL LEARNINGS IN YOUR PERSONAL LIFE, TOO “My business is a key part of my life and fuels my personal finances. I’ve taken the financial lessons learnt from transforming my start-up into a successful business and implemented them in my personal finances, too. For example, when it comes to my business finances, I save a percentage of net profit towards a reserve for the company. Implementing this same process with my personal finances means every month I put money aside for a rainy day. “I’ve also learnt the importance of keeping a clean credit record by ensuring I manage my debt well – a business lesson that applies to personal finances, too.”
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wealth
DIGITAL SCHOOLS: THE END OF
education
AS WE KNOW IT? As technology changes the way people learn, Deborah Herd looks to the future of education.
I
often tell my children about my school days and they listen as if I was educated in prehistoric times. At junior school, the most sophisticated piece of technology we had was an overhead projector. By high school, we’d advanced to a video machine, but lessons were still taught by a teacher standing in front of a chalkboard with nothing more than his or her exposition skills to engage the class. We had no iPads, no computers, no Google, no apps – just textbooks, maps and a few posters on the wall. It was not uncommon for kids to fall asleep. My kids’ classrooms have computers, smart boards and laptops. Each learner has his or her own iPad, which they connect to the school’s Wi-Fi. They are engaged in a way learners have never been before. Of course, they attend privileged schools. In many South African schools, the technology is as outdated as the sanitation. The smart boards and other technologies promised by education MECs have yet to materialise and in many where they have been installed, theft is a common problem. A drastic shortage of teachers in South Africa also means many teachers face classrooms of 40 or more learners. Many teachers have yet to learn how to incorporate digital aids into lessons and teaching remains the ‘chalk-and-talk’ method. Add other socioeconomic challenges – hours spent travelling to school, studying on an empty stomach, no home study space, caring for siblings while parents work – and it’s easy to understand why half of South Africa’s high-school learners drop out by grade 10. But technological change is creeping in, not least because ‘edtech’ entrepreneurs have responded to the growing demand for teaching and learning support. In 2012, E-Classroom launched with the main goal
of supporting teachers. Today, it has 215 800 single-use subscribers, the majority of whom are teachers who download its CAPS-aligned PDF lesson plans, quizzes, worksheets, revision papers and memos. “One teacher may be a registered user, but a class of 30 or more learners are using the worksheets,” says E-Classroom production manager Kerry Hayes. E-Classroom is also used by home-schoolers and learners wanting extra lessons, something many South African kids need given the content-heavy national curriculum. At R40 a year per grade, E-Classroom is as cheap as electronic learning platforms come, yet connectivity still precludes many families and learners from subscribing. But, says Hayes, it is the high cost of data and lack of access to Wi-Fi that is the greatest barrier facing learners wanting digital connectivity. “For the majority of our population, access to Wi-Fi is very poor,” she says. “We need to get government and big businesses on board
“We need government and business on board to get Wi-Fi into all schools and data to be zero-rated for education.”
www.sanlamreality.co.za
so that we can get Wi-Fi into all schools, and data needs to be zero-rated for education.” Fortunately, this is starting to happen. Service providers are partnering with online learning platforms to offer free data to subscribers when using the sites. MTN and Vodacom are partnered with Siyavula.com, which offers free CAPS-aligned online textbooks for high-school science and maths, plus the option to subscribe to its SPRING/SUMMER 2018 REALITY
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“The entire approach to schooling in South Africa – and our curriculum – will need re-thinking.” personalised practice platform. Vodacom is also partnered with MyTopDog.co.za to allow free data for subscribers using the “multisensory learning platform for grades 4-12”. Aware that many kids are relatively well connected to mobile technology, other edtech entrepreneurs have created learning aids and apps for cellphones and tablets. Paper Video offers “instant access to an extra teacher. Any time. Any place”. It provides past exam papers and subject maps for five subjects, including maths, with step-by-step video lessons for every question and concept. There are 11 269 video lessons embedded into paper-based or e-book resources, which learners buy. Through the use of Paper Video microSD cards, learners can access the video lessons without an internet connection or cellphone reception. When Jacques Blom and Sanjiv Ranchod were grade 11 students at Westerford High School in Cape Town, they developed a free learning app for Android devices called Flippit. It allows matrics to study 14 subjects on-the-go, through the use of interactive digital flip cards. The content is in small, bite-sized chunks and, once a subject has been downloaded, the app can be used offline “anywhere, anytime”. As well as learning, there are multiple-choice quizzes and, in Challenge mode, learners can go head-tohead against their friends in real-time online. According to a Gauteng high school principal who asked not to be named, technology must be used now to empower teachers and learners. “It can help teachers manage their classrooms and give learners far more engaging, interactive lessons. It can help a teacher bring their subject to life, bring it from black-and-white text into full walking, talking, breathing colour,” he says. “But in the future, technology must be used to enable individualised learning. That’s where we’re heading. The entire approach to schooling –
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REALITY SPRING/SUMMER 2018
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and our curriculum – will need rethinking. That’s how technology is going to truly innovate education and learning.” Pretoria-based Janessa Leita believes she has begun that innovation in South Africa. When Leita realised the schooling system wasn’t working for her son, she decided to develop what she believed would. In 2016 she launched the first fully digital school in South Africa. THINK Digital College covers the national curriculum from grade R to 12. It currently has more than 1 000 learners. “At schools there’s no change in pedagogy or the way the curriculum is being taught. Instead of a textbook, it’s an e-book. Instead of a chalkboard, it’s a whiteboard. It’s just dead text on a page. Our whole focus is on active learning, not passive. Our content is incredibly engaging and interactive,” she says. Leita says their platform allows for individualised learning. “Learners work when they wish at their own pace. They can watch and re-watch a lesson as many times as they like,” she says. “Our whole system is about getting the children actively involved in improving critical thinking skills.” The college works similarly to ‘flipped’ schools, which are increasingly being trialled in the US and UK. The idea is to invert traditional teaching methods by delivering www.sanlamreality.co.za
EARN TIER POINTS Planning for your child’s future? Use our savings calculator to help you, and earn
1 000
Photography: Shutterstock
tier points.
instruction online either inside or outside of school. The teacher, instead of standing in front of the class giving the lesson, then becomes a facilitator or tutor. The method requires the learner to show an enormous amount of discipline, but the response has surprised educators: children can learn on their own with minimal intervention. Kerry Hayes of E-Classroom believes there will always be a place for teachers – particularly in the early years – but ultimately technology will dominate the learning environment. “We are going to see a blended learning environment, which is predominantly technology based, but there will always be the need for teachers and for learners to apply their skills practically.” If the success of GetSmarter.com is anything to go by, there’s no doubt digital learning is the way forward. GetSmarter was founded in Cape Town in 2008 – a wine evaluation course was its first offering. Over the years, it extended its courses and collaborated with some of the world’s top universities, including MIT and Harvard. Last year, the business was sold to US edtech giant 2U Inc for US$103-million. According to the website it has more than 40 000 life-long learners. Its goal is to reach one million by 2030. There is little doubt it will achieve it. www.sanlamreality.co.za
Visit www.sanlamreality. co.za/earn-points to find out more.
DIGITAL LEARNING PLATFORMS TO KNOW ABOUT
E-Classroom: PDF worksheets, topic and lesson plans for grades R-9. Practice and revision papers for grade 10 to matric. R40/grade per year. www.e-classroom.co.za YouCanDoMaths: unlimited access to video lessons, notes and tests for grades 8-12. From R90 a month. www.youcandomaths.co.za MyTopDog: a multi-sensory learning platform for grades 4-12. R100/grade per month or R60/subject per month. www.mytopdog.co.za Paper Video: video lessons embedded into paper-based and e-book resources. Exam books and video access: R139-R399; subject maps and video access: R749-R1 199: microSD cards: R199-R349. www.papervideo.co.za THINK Digital College: complete NSC and Cambridge curriculums. From R3 750-R12 500/year, excluding exam fees. thinkdigitalcollege.co.za Mathletics: maths resource that allows users to ‘play’ live against students worldwide. From R695/year or free through school subscription. za.mathletics.com
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How to start a
e l t s u h e d si
Whether you’ve got an idea but aren’t sure where to start, or need tips to take your current side hustle from so-so to successful, begin here!
A
ccording to the 2017/18 Global Entrepreneurship Monitor’s report, South Africa’s entrepreneurship activity is at its highest since 2013 – in fact, one in three of us is using a side business to supplement our income. Find your step-by-step guide to starting your own, here.
5 Side hustles that pay Source: Business Insider
LOGO DESIGNER Earnings: R250-R350 per hour PROOFREADER Earnings: R150-R200 per hour QUALITY ASSURANCE TESTER Earnings: R190-R260 per hour BLOGGERS/WRITERS Earnings: R3.50-R5 per word ONLINE ENGLISH TEACHER/TUTOR Earnings: R25-R50 per hour
1
FIGURE OUT YOUR USP (UNIQUE SELLING PROPOSITION) “Ask yourself: what unique skill or ability do I have?” says Jannie Rossouw, head of Sanlam Business Market. Love home baking? Consider what about your service will be unique or supply a need: perhaps it’s free home delivery or being the best priced. There’s a good chance friends and family can tell you what your USP is – and that it’s something you’re already doing for fun. Take Natalie Roos, who created www.tailsofamermaid.com. “I started blogging on WordPress in 2010 because I loved writing and wanted a place where I could share,” she explains. “Before that I had a mailing list of friends and family who I’d update on my travels.”
2
DEFINE YOUR CUSTOMER “Know where to focus your marketing efforts,” advises Rossouw. Be specific: for example, targeting moms is broad. But targeting working, health-conscious moms in your area who don’t have time to cook homemade meals during the week, is better.
3
CHECK OUT THE COMPETITION “Ask yourself, who is my competition?” Rossouw suggests. “Determine how saturated the market is, and see what they charge for their service/product.” (Not to mention suss out how you can do things better!)
5
BRAND YOURSELF Amanda Alves, a digital strategist, advises: “Sell the sizzle, not the steak. It’s tempting to talk about the features of your product, but people buy the benefits. If you’re selling soap, it might be better to lead with ‘gives you softer skin’ than a list of ingredients.” Try free online tools like Canva to create everything from logos to business cards. WordPress, Squarespace and Wix are great for websites.
4
MAKE SURE YOU’RE NOT JEOPARDISING YOUR 9-TO-5 Not all employers are okay with you having a side hustle – and if you’re marketing your side hustle well, it’s likely they’ll find out. “Will your side business pose any conflict of interest with your current employer?” asks Rossouw. Check your company policy and with HR.
6
GOOGLE IS YOUR FRIEND “When I don’t know how to do something, I turn to Google,” says Roos. “The internet is a world of free resources waiting to be tapped.”
7
Photography: Shutterstock; Text: Sarah Browning-de Villiers; Research: Anitta Banjwa
HARNESS THE POWER OF SOCIAL MEDIA “Pick your platforms based on your product, target market and what you’re comfortable managing,” advises Alves. “Already have a social media presence? Leverage your personal brand by talking about your product. Remember quality over quantity when it comes to posting. “A good ‘free’ space on Facebook is a community or neighbourhood group. Most of these allow advertising for small, local businesses on certain days of the week.”
www.sanlamreality.co.za
8
SET THINGS UP SO YOU CAN GROW “Request an opinion from a tax accountant to make sure you comply with regulations,” says Rossouw. Thabisile Mdaki, a teacher who renovates property on the side, suggests that you don’t combine your side hustle income with your salary: “Open a business account so you can keep track of business costs and profits.” Roos agrees: “Put everything you earn from your side hustle into savings for the first few months. It’ll give you breathing room when you’re ready to upscale.”
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SET CLEAR GOALS “It’s important to draft a short- and long-term vision for your side hustle,” says Mdaki. Do you want to use the finances to pay off debt, take your children through university or help you save? This will fuel the decisions you make and drive the success of your business.
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STOP PROCRASTINATING; JUST DO IT! “Stop thinking about it and start planning it,” encourages Roos. “Take out a pen and paper and write down what exactly it is you want to start and what you’ll need to do it. Even if you don’t have a top-of-the-range camera or the most professional-looking business cards, your best asset is what you already have – YOU.”
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IF IT’S NOT BONITAS IT’S NOT MEDICAL AID
wellness wellness XXXXXXXXX
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Jellyfish or plastic bag?
It’s estimated that over 100 000 marine mammals die each year due to plastic debris in our oceans.
YOUR w e ll n e ss BENEFITS YOUR w e ll n e ss BENEFITS
As much as 60% monthly As much as 60% monthly discount at Virgin Active discount Virginonly) Active (RealityatHealth (Reality Health only)
As much as 80% monthly As much at asPlanet 80% monthly discount Fitness discount at Planet Fitness
As much as 80% monthly Asdiscount much asat 80% monthly JustGym discount at JustGym
NEW COMING SOON
As much as 60% off monthly As fees much 60% off monthly oras studio packs at fees or studio at Independent Gymspacks and Studios Independent Gyms & Studios
Go to www.sanlamreality.co.za/benefits/health to view your specific benefits, tier status and discount percentage. www.sanlamreality.co.za
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1
2
500-MILLION+ plastic straws are used every day – enough to circle Earth twice.
There are MORE microplastics in the ocean than there are stars in the Milky Way.
SO WHAT CAN YOU DO?
Every little bit helps – but start with these ideas that you can adopt with minimal impact on your lifestyle and pocket: Most hard plastics are recyclable – separate these from your waste and deposit at a local recycle point. Shun the Big Four: straws, coffee cups, bottles, plastic bags. Say no to microplastics – like microbeads, found in things like some face washes – one of the worst offenders in our seas. Ingredients like polyethylene, polypropylene, polyethylene terephthalate or polymethyl methacrylate = microplastics.
3
OVER HALF of whale and dolphin species have ingested plastic in seas.
Give earbuds the boot. And never flush these down the toilet, where they enter our waste water system! Look for 100% biodegradable versions that are plastic-free. Switch Ziplock bags and cling wrap for reusable versions: wax paper, fabric, oil cloth and even aluminium foil that you wipe down and use again. Switch plastic for glass – everything from glass water bottles to glass storage containers. Goodbye, plastic bags. Keep reusable versions in your boot.
The new, free Sanlam Reality App lets you store your membership card on your phone – no more plastic! Also: store bank cards in the App for easy payments, plus you’ll get 3 000 tier points for downloading it and signing in.
COMING SOON!
UPCOMING EVENTS GAUTENG TSHWANE CLASSIC, 4 NOVEMBER
The City of Tshwane is opening its roads to cyclists for this road race. Distance options include 98km, 60km and 20km, as well as 500m and 5km for kids. www.tshwaneclassic.co.za
WESTERN CAPE FEDHEALTH IMPI CHALLENGE, 17-18 NOVEMBER
From the Impi Mini (1km; eight obstacles) to the Impi Elite (18-20km; 26 obstacles), push your limits through exhilarating obstacles. The vibe alone makes this event worthwhile. www.impichallenge.co.za
GET POINTS FOR BEING ACTIVE
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REALITY SPRING/SUMMER 2018
SANLAM CAPE MILE, 17 FEBRUARY 2019
This one mile (1.6km) open water swimming race takes place at Grabouw Country Club’s Eikenhof Dam. www.sanlam.co.za
KWAZULU-NATAL MTB ESTON XMAS CLASSIC, 25 NOVEMBER
A great day out for mountain bikers and trail runners, expect an emphasis on festive cheer, with prizes for the bestdressed riders and team. www.roag.co.za
Register at www.sanlamreality.co.za to earn up to 15 000 points for taking part in qualifying outdoor events. Go to www.sanlamreality.co.za/ earn-points for more.
www.sanlamreality.co.za
Flowers:
NATURE’S HEALING THERAPY Not only does their appearance boost our mood, but blooms are packed with remarkable health benefits, too – from purifying air to soothing headaches and relieving stress and anxiety.
SHOULD YOU LIMIT IN A WORD: YES! HERE’S WHY, AND HOW TO DO IT.
PO AI O R R
Reduces physical activities outdoors: too much screen time means less ‘green time’. Interacting with nature develops muscle strength, social skills and sparks creativity. Causes digital eyestrain: dry-eye syndrome, strained eyes and near-sightedness are growing rapidly among children as a result of spending more than three hours a day on screen, with limited exposure to sunlight.
ways to get your 3 Easy family digitally healthy
1 Photography: Shutterstock; Text: Anitta Banjwa
Offer alternative fun: bring out the old-school board games, play soccer or cricket with your kids, or spend an afternoon colouring in, drawing and painting with them.
2
Set an example: encourage your children to put away their devices by doing the same yourself. How about a no-phone rule an hour before and after dinner for everyone in the family?
3
Create a healthy tech space: ensure your family computer is at a desk and the keyboard and screen are adjusted to the right heights for your kids. Invest in a good chair, and ensure the computer screen is far back enough on the desk to give adequate distance for your children’s eyes.
www.sanlamreality.co.za
SS
INSOMNIA
RE ST
Disrupts sleeping patterns: screen devices suppress melatonin (a sleep signal released by darkness) which affects sleeping patterns and can lead to sleeping disorders like insomnia.
IF YOU’RE SUFFERING FROM… STRESS Left unchecked, stress can worsen health issues such as high blood pressure, heart disease and diabetes. Lavender The calming scent is said to lower heart rate and blood pressure, and help you relax. Jasmine Helps to regulate emotions and emits a soothing, gentle scent.
IF YOU’RE SUFFERING FROM… INSOMNIA IF YOU’RE SUFFERING FROM… POOR AIR QUALITY Fresh air helps improve blood pressure and heart rate, cleans the lungs and is good for overall mental and physical health. Snake plant Improves indoor air quality and filters out common household toxins. Geranium Repels pesky insects like mosquitoes, and clears out toxins.
Sleep deprivation affects your immune system, making it harder to recover from illness. Chamomile Relaxes and soothes the nervous system, helping you sleep better. Gardenia Can invoke a relaxing ambience and has antifungal and antibacterial properties: best enhanced when brewed in tea.
TOP TIP Jasmine and lavender live best outdoors; for an indoor-friendly variant of jasmine opt for Jasminum polyanthum. (It also has the best scent.) Keep near a sunlight-facing window with good air circulation.
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National Health Insurance What does it mean for you?
The idea behind National Health Insurance (NHI) is to provide effective, affordable healthcare to all South Africans. But how will it work? Nicci Botha investigates.
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S
outh Africa has parallel healthcare systems which are anything but equal. “Inequitable access to healthcare services is a huge problem. About the same amount of funding goes into the public and the private sectors, but the public sector caters to over 80% of the population whereas the private sector sees less than 20%,” explains Sasha Stevenson, an attorney at Section27, a public interest law centre that seeks to achieve substantive equality and social justice. “The idea behind NHI is to pool health funding into one fund that can then buy services from both the public and the private sectors.” “In a sense, we already have universal access to healthcare. The public sector is accessible to all South Africans, and we’re expected to pay in accordance with our level of income,” says Dr Paula Armstrong, senior economist at Econex. “However, access to quality healthcare is severely lacking. The abysmal state of public health means a large proportion of users experience unacceptably low quality of healthcare services.” According to Dr Armstrong, the NHI Bill doesn’t address governance and operational failures in the public system. Stevenson agrees: “The Bill primarily sets up the NHI fund but has insufficient detail on governance of the fund, which is concerning.” NHI IN A NUTSHELL
Essentially, NHI is a state-funded medical scheme to which every South African will automatically belong. There’s no opt-out provision. The NHI will focus on providing primary healthcare services bought from both public and private facilities and health professionals at a fixed rate, which will probably be considerably lower than current prices. Also, you won’t have carte blanche when it comes to choosing healthcare providers, except for the first time you register for an NHI-designated service, such as your local GP. Thereafter, every time you want to see a doctor, you will have to stick to your original choice. In addition, you will only be able to access a specialist if referred by your primary healthcare provider (your GP). The Bill is not www.sanlamreality.co.za
clear if you’d have a say in the specialist to which you are referred. NHI is supposed to kick in by 2026, but it will probably take much longer to implement. Medical schemes and organisations representing health professionals, who will have to work at set NHI rates, will almost certainly challenge the Bill through submissions and, possibly, court cases. “Our view is that all medical schemes are in favour of universal healthcare for all, but we have major misgivings that NHI, as it currently stands, will provide that solution,” says Jeremy Yatt, Fedhealth principal officer. HOW WILL NHI BE FUNDED?
The Bill doesn’t actually say. But it will invariably be funded through the fiscus, following the conventional processes of treasury, says Dr Katlego Mothudi, managing director of the Board of Healthcare Funders of Southern Africa. “The minister has advised that among the committees to be set up will be the Benefits Advisory Committee and the Health Benefits Pricing Committee whose
PROS
Aimed at ensuring that everyone has access to good quality healthcare and that no one experiences financial hardship in accessing this. Requires reorganisation of the current health system – a good opportunity to address our ailing public healthcare system. A response to the UN declaration for all its signatories to provide Universal Health Coverage to all their citizens by 2030. In theory, an important step towards balancing deepening inequality in South Africa. You will still be able to use private medical schemes in addition to NHI services.
CONS
Recently the Office of Health Standards Compliance reported that out of 696 public hospitals and clinics, just five achieved 80% or more for compliance. Taxpayers’ money isn’t being spent properly in public healthcare as it is – so what will change when NHI is introduced? The bill sets up the NHI fund but has insufficient detail on governance of the fund. While there’s a general acknowledgement that NHI will be funded primarily by the fiscus and will be mandatory, there seems to be an overall lack of detail about funding. Healthcare consultancy Econex has warned that by 2025 (when NHI is proposed to be implemented by), our government would already be lacking about R200-billion needed to fund it.
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HOW WILL NHI AFFECT MY MEDICAL AID?
At least 10 other pieces of legislation will have to be changed to facilitate the NHI Bill becoming an act, which will take time. However, the draft Medical Schemes Act (MSA) Amendment Bill is already on the table. Some of the changes proposed include: • Premiums
In its present format, the MSA Amendment Bill says monthly medical aid premiums should be calculated according to members’ income, so that high earners subsidise those with smaller salaries. However, the MSA already makes this provision. “Currently, medical schemes are allowed to charge higher income earners more and lower income earners less. The reason that schemes don’t is because it would be near impossible to verify the member’s income,” says Yatt. • Co-payments
Health Minister Aaron Motsoaledi has said that co-payments would be abolished. However, Dr Armstrong says that copayments are “not really dealt with in the Bill”. • Prescribed minimum benefits (PMBs)
These were introduced to prevent members from having to rely on the state when their medical scheme benefits are depleted. “PMBs have been reported by many schemes to consume as much as 60% of their healthcare expenditure,” says Dr Mothudi. PMBs will be replaced by a comprehensive benefits package covering primary healthcare services such as vaccinations and
USE YOUR BENEFIT
46 REALITY SPRING/SUMMER 2018
“Our view is that all medical schemes are in favour of universal healthcare for all, but we have major misgivings that NHI as it currently stands will provide that solution.” – Jeremy Yatt, Fedhealth principal officer
contraception. “This isn’t a bad thing in itself, but once again it’ll have severe cost implications if implemented,” explains Yatt. WILL PRIVATE MEDICAL AIDS STILL EXIST?
Although it’s not 100% clear what medical aids will look like in the future, the Bill does say you’ll be able to buy “complementary health service benefits” that aren’t covered by the NHI through a medical aid. If you do opt for a private medical aid, and NHI is funded through payroll deductions, you’ll have to pay two premiums – one for NHI and another for medical aid. “It is further envisaged, at least in the medium term, that schemes will provide cover for the six million-plus employed population that currently do not enjoy medical aid coverage as a result of the high entry-level costs of private-sector care,” says Dr Mothudi. Time will tell how the draft bill is adapted and implemented – though it seems clear that it’s a matter of when, and not a matter of if. And despite concerns about NHI, Dr Mothudi believes “we need to collectively consider how we can contribute to the reform process so as to improve the state of health in our country.”
As a Sanlam Reality member with Sanlam Gap Cover, you can enjoy gap cover that pays out on day one of hospitalisation (instead of day seven, which is standard). Visit www.sanlamreality.co.za/benefits for more.
www.sanlamreality.co.za
Photography: Shutterstock
deliberations will inform work towards determination of the budgets,” he says. “Without clarity on the services to be provided, the cost of the NHI cannot be calculated, and without an estimate of the cost, funding requirements are impossible to calculate. The Bill’s requirement that benefits should take account of available funds is therefore impossible,” adds Dr Armstrong. There’s also talk of monthly salary deductions, where a percentage of the income of those employed will help fund the NHI. The more you earn, the larger your premium.
Start an adventure today Hire a car from Tempest and pay from as little as R220 a day, plus get unlimited mileage and Super Cover!
For more information, go to www.sanlamreality.co.za/benefit/tempest-car-hire or call 0860 732 548/9. Terms and conditions apply.
wellness
6 
WAYS TO EAT LIKE A
n a i c i diet Want to know what the experts put into their bodies? We asked them – learn from their lessons, here. By Tracy Melass
TO FIGHT FATIGUE Eat a range of lower Glycaemic Index (GI) carbs, says Raeesa Seedat, dietician and spokesperson for the Association for Dietetics South Africa (ASDA). “Carbs are the primary source of energy, but digestion varies for different types.” High-GI carbs are quickly digested and cause quick, sharp rises in blood glucose levels. Low-GI carbs are slowly digested, so your blood glucose rises more slowly.
Eat these
Lower GI carbs include wholewheat, rye or seeded breads, brown rice, barley, couscous, quinoa, oat and bran cereals and potatoes with the skin on.
TO IMPROVE CONCENTRATION Small, regular meals help boost concentration. “If blood sugar levels are more stable, concentration will also be optimised,” says Bruk. Adds Seedat: “Inadequate iron intake can lead to iron deficiency (anaemia), which causes tiredness and a reduced ability to concentrate.”
Eat these
Photography: Shutterstock
Animal sources of iron found in meat and fish are more easily absorbed than plant sources (like cereals, dried beans, peas and lentils). Another FYI: drinking tea or coffee with meals inhibits iron absorption, so avoid this.
FOR GREAT SKIN, HAIR, NAILS Genetics are a big factor, but there are nutrients that boost health in these areas. “Drinking enough water can also help to boost skin health by keeping skin plumper and well hydrated,” adds Lila Bruk, a Jo’burgbased dietician.
Eat these
Get your fill of omega-3 fatty acids (fatty fish, walnuts, flax seeds), biotin (eggs), zinc (shellfish and nuts), beta-carotene (pumpkin and spinach), protein (legumes, meat, poultry, eggs, fish and dairy), vitamin C (guavas, tomatoes and citrus fruits).
TO WARD OFF COLDS AND FLU Usual precautions – washing hands regularly, getting the flu injection – are your strongest weapons against catching flu, says Bruk. But there are foods that help boost immunity, too.
Eat these
Green veggies, such as broccoli and spinach, are rich in beta carotene which has disease-fighting antioxidant properties. Garlic has antifungal, antibacterial and antiviral properties, while compounds in elderberries (like anthocyanins) help to increase your body’s production of immuneregulating proteins.
STUCK FOR h e a l th y LUNCH IDEAS? “Ideally, your meal should consist of a mixture of carbs, protein and fat,” advises Bruk. If you can turn leftovers from a healthy dinner into lunch the next day – great! Tshukudu’s go-to is a salad of chickpeas, beans or lentils, feta, avocado, peppadews, lemon juice, green leaves (spinach, rocket), eggs or chicken strips or cheese.
www.sanlamreality.co.za
FOR YOUR HEART, BLOOD PRESSURE, CHOLESTEROL Diet can improve cholesterol levels and overall heart health, says Bruk – though diet shouldn’t replace meds prescribed by a doctor without their consultation. Adds Bruk: “Blood pressure responds to weight loss: even a loss of 5% of body weight can improve blood pressure.”
Eat these
Avoid baked goods and deep-fried food. Eat unsaturated fats (avos, olive oil, nuts, fatty fish); limit red meat, butter, chicken skin, full-cream dairy. Dietician Mpho Tshukudu suggests getting fibre from oats, beans, lentils and fruit.
TO FUEL YOU FOR THE DAY “Breakfast intake has been linked with improved concentration and alertness,” explains Seedat.
Eat these
Whip up a smoothie using oats, fruit, milk or yoghurt, seeds (such as pumpkin, chia, flax, sunflower and sesame), leaves (try celery leaves and stalks or spinach), ginger, cinnamon, cardamom and – for extra kick – protein powder. Porridge is also great. Use oats, millet or sorghum porridge with milk, yoghurt or maas (fermented milk). “I flavour porridge with ginger, cinnamon, cardamom and aniseed,” adds Tshukudu.
OTHER IDEAS INCLUDE: A baked potato filled with cottage cheese, served with a side salad. A wrap filled with chicken breast and roast veggies. A beef or chicken stir-fry served with basmati rice. A tuna salad served with wholewheat crackers.
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AN
IETY
What is it, and how serious is it really?
One in five South Africans suffers from anxiety, and young people are hardest hit – yet many still don’t take anxiety seriously. Deborah Herd explains why we should.
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ou don’t have to be a doctor to realise that the number of people suffering from anxiety in our communities is huge. Don’t suffer from it yourself? Then you probably know a friend, colleague or family member who does. Anxiety disorders are now the most common mental-health conditions in South Africa: according to the South African Depression and Anxiety Support Group (SADAG), more than one in five of us is suffering, and it’s most prevalent among young people. The hardest hit are those born since 1980, including children as young as five. But just as depression is much more than a feeling of being down in the dumps, clinical anxiety is so much more than extreme worry. It is a crushing fear and anxiety that usually comes with physical and emotional symptoms that prevent a sufferer from functioning normally, says clinical psychologist Dr Colinda Linde. We all worry, but most of us experience ‘good’ worry. “This type of worry is likely to be realistic and results in a rational action,” explains Dr Linde, like the worry that sends us to the doctor when we find an unexplained lump or when we are under stress because of work deadlines. With clinical anxiety disorders, sufferers experience ‘bad’ worry that is usually neither real nor ‘rational’, she says. Though it feels very real if you’re suffering. Emma*, a 25-year-old marketing assistant with “lots of friends” and a “loving boyfriend”, says that in the past three years she has become stuck in a vicious cycle of overthinking, over-imagining worst-case scenarios in situations that are, she acknowledges, mostly imagined. “I am consumed by the fear of failure, disappointment, not being good enough and not being liked,” she says. While Emma knows her fears are irrational, she can neither control nor rationalise them. In the past 12 months, she has suffered three panic attacks, one at work. Panic disorder is one of the most common anxiety disorders, particularly among teenagers and 20-somethings. Usually without warning, the sufferer is overcome by a paralysing fear, often accompanied by palpitations, a racing heart and sweating. The attack usually lasts for a few minutes but can be up to an hour and literally floor the victim. www.sanlamreality.co.za
An academically talented and popular grade 12 student at a Cape Town high school suffers such severe panic attacks she commonly collapses in class. She is only one of the many learners in her grade suffering from an anxiety disorder. Fortunately, panic attacks are not physically dangerous, says Dr Linde. What they are is terrifying. “They can make the sufferer feel as if they’re going crazy,” she says. “Most people feel anxious about the possibility of having another panic attack and avoid situations in which they believe an attack is likely to occur,” she says – like school, work, social events, shopping. But panic attacks are not the only way clinical anxiety manifests. Other disorders include generalised anxiety, social phobia, obsessive compulsive disorder, agoraphobia and separation anxiety disorder. Less common disorders include selective mutism, specific phobias, substance-medication-induced
Spot the symptoms
Look out for specific behaviours. Generalised Anxiety Disorder (GAD): sufferers tend to be self-conscious and worry about future events, injuries, group activities and past behaviour. Panic Disorder (PD): sufferers often feel overwhelming terror, with symptoms including rapid pulse, chest pains, shortness of breath, trembling. Social Phobia: sufferers become extremely upset and timid in the presence of strangers. Obsessive Compulsive Disorder (OCD): sufferers typically experience intrusive thoughts, alongside rituals, such as checking things repeatedly. Agoraphobia: sufferers can experience intense anxiety about using public transport, being in open spaces, enclosed spaces, in a crowd or leaving home.
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wellness
Kids who can
Mother-of-three Michelle Schoon founded the Kids Who Can Community in Cape Town (www.kidswhocancommunity.co.za) with a team of facilitators who run courses and workshops for children to empower them to create their own calm and joyful lives. “Our aim is to provide children with a safe, fun space to learn about themselves, what they like, dislike, how they feel about things, and to learn how to manage what life throws at them in a healthy, effective way. We teach tools and techniques such as belly breathing, visualisation and positive thinking, which can be used for the rest of their lives.”
anxiety disorder, hoarding, trichotillomania and excoriation (excessive skin picking). Annie*, a 43-year-old journalist and mother of two, has suffered from anxiety all her life but it has been extreme for the past 15 years. She was diagnosed with obsessive compulsive disorder (OCD) 11 years ago. “I had to become a freelance journalist because getting out of the house in the morning took so long that I was always late to work,” she says, referring to the timeconsuming rituals that are common in OCD. “I have lots of friends but am so stressed about them coming to our house because it’s like a museum. The thought of someone throwing a coat over a sofa or leaving a dirty coffee cup on a table fills me with such anxiety that I can hardly breathe. And… my poor kids… they have one room in the house where they can play with toys. I start to hyperventilate if there’s a toy car under the dining-room table.” Annie’s symptoms – obsessive neatness, cleanliness and order – are common to OCD, but it also involves irrational and intrusive thoughts (an unwelcome idea that may become an obsession, is upsetting and can feel difficult to manage). OCD sufferers can spend hours focused on intrusive thoughts, leading to disrupted relationships and work. For many OCD sufferers, the need to complete a ritual or compulsion – like washing their hands – is linked to the belief that completing the action will protect something bad from happening. The fact that most sufferers, like Annie, know their
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compulsions are irrational only leads to increased levels of anxiety and shame. So what’s happening? If you think anxiety is unique to South Africa, you’d be wrong. Studies show anxiety is plaguing people the world over. According to the British charity YouthNet, a third of young women and one in 10 young men suffer from panic attacks. The numbers are similar elsewhere. Of course, the world is a stressful place and in the 21st century we feel pressure to perform like never before – at school, at university, at work and socially. High levels of crime, violence, and socio-economic and political instability make South Africa a stressful place to live and the electronic world means ‘switching off’ is virtually impossible. Are these external stressors causing anxiety disorders? According to SADAG,
Helplines
Adhock Ingram Depression and Anxiety Helpline: 0800 70 80 90 Destiny Helpline for Youth & Students: 0800 41 42 43 The South African Depression and Anxiety Support Group counselling line for parents and teachers: 011 234 4837 Childline South Africa toll-free line for children and adults: 0800 05 55 55
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5 Ways to help yourself
Clinical psychologist Dr Colinda Linde recommends these techniques:
Photography: Shutterstock
Score your worries: each day, find 20-30 minutes to write down your worries. Then, score each based on whether the worry is 1) real 2) imagined 3) catastrophising. Recognising the type of worrying thoughts goes a long way towards dealing with anxiety. Try a five-step reminder: write out a list and keep it visible to remind yourself that the panic/anxiety will end: 1) It’s a false alarm. 2) There is no danger. 3) It will pass. 4) Do what
they are part of the problem, but a genetic predisposition, brain chemistry, personality and life experiences all play a role in the development of an anxiety disorder. The good news is that experts believe anxiety is a learned behaviour that can be unlearned. If you or a family member suffers from anxiety, ask your doctor for a referral to see a psychiatrist or a psychologist who can do a thorough assessment and is qualified to help. Depending on your disorder, different techniques can help people relieve the anxiety. In teenagers and adults, exposure techniques, social skills training, relaxation therapy and cognitive behavioural therapy work well, says psychiatrist Dr Helen Clark. Young children can receive therapy through play. “The idea is to give the child the space to address their anxiety and work through ways www.sanlamreality.co.za
you’re doing and stay focused. 5) Presence yourself and focus on something external, like the room you’re in. Be mindful: mindfulness techniques like meditation and yoga can teach you how to bring yourself back to the present to help keep you grounded and calm. Rest well: anxiety is worse when you are tired, so get plenty of sleep. Download the SAM app: this free app can help you understand and manage anxiety.
to develop coping skills and a sense of mastery over their distress,” she says. Sometimes family members also receive counselling to help them organise structured and predictable dynamics in the home. And while medication can be used, it’s never a first-line intervention. Rather, it’s considered when other interventions are not, or are only partially, effective or where anxiety is particularly severe, says Dr Clark. Medication is registered for children over the age of six. Above all: anxiety disorders are serious mental-health issues that require management by experienced professionals. And for those who aren’t affected, know this: while it may seem irrational to you, it’s very real for the person suffering. *Name has been changed SPRING/SUMMER 2018 REALITY
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5 MOVES TO WORK YOUR BODY ) d n i m d n (a
Busy, but in need of a quick, doable workout? Yes, please! Inge Bezuidenhout (@moving_fit), a Women’s Health Next Fitness Star, personal trainer and founder of Moving Fit, shares exercises you can do anywhere. Even better: they’ll give your mind a refresh, too.
COMPLETE 4-5 ROUNDS OF THE WHOLE ROUTINE.
DOWNWARD DOG INTO UPWARDFACING DOG Works: your mind and upper body Reps: 10
CRUNCHES Works: your core Reps: 15-20 STEPS: Lie on floor with your back flat. Bend knees, keeping heels flat on floor, feet shoulder-width apart (advanced: lift feet to 90˚). Place hands behind ears or neck with elbows open – do not use neck muscles for this exercise but focus on your core. Pull tummy in and lift shoulders off the floor, crunching abdominal muscles. Lower down slowly; repeat.
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STEPS: Start in a high plank position, hands on floor with shoulders above hands. Your body should form a straight line from your head to your heels. Push shoulders back and bum into the air to form an ‘A-line’. Try to lower heels flat onto the floor to stretch hamstrings. Return to the starting high plank position by moving shoulders forward. Lower hips just above the floor, keeping arms straight. Push shoulders back to arch your back, making your neck long and slightly tilting head backwards. Return to high plank position by lifting hips; repeat.
INGE’S WELLNESS MANTRA “The difference between who you are and who you want to be is what you do!”
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CHAIR DIPS Works: triceps Reps: 10-15 STEPS: Place hands shoulder-width apart on a chair/coffee table (make sure it’s stable and won’t tip!), with fingers facing front, towards body. Place feet shoulder-width apart in front of you, with knees at 90˚ (advanced: straighten legs). Keeping your back upright and as close as possible to the chair/coffee table (do not let shoulders go forwards), lower body to the floor as low as you can by bending in the arms. Elbows should bend to the back – keep them as close together behind your body as possible. Return to starting position; repeat.
LUNGE AND KICK Works: lower body, quads, glutes, hamstrings Reps: 10 per leg
Photography: Sean Laurenz/Women's Health Magazine, supplied
STEPS: Start standing with feet together. Take a big step back into lunge position, lowering body (knees should be 90˚, so make sure front knee doesn’t go over toes). Keeping shoulders upright and back straight, bring back leg in and kick this leg forwards. The same leg goes back after the kick to return to lunge position. Repeat with other leg. (Balance by engaging your core, but you can also hold onto a wall or chair.)
USE YOUR BENEFIT
You get as much as 80% off at Planet Fitness Gym and 60% off at JustGym – the perfect way to kickstart your fitness for summer. A Reality Health member? Your benefit extends to as much as 60% off Virgin Active.
+ Using the Sanlam Reality App (coming soon), access independent gyms and studios for classes like yoga & Pilates. Visit www. sanlamreality. co.za/benefits to find out more. BURPEE Works: full body cardio Reps: 8-10 STEPS: Start by standing upright with feet shoulder-width apart, arms at sides. Push hips back, bend knees and lower your body into a squat. Place hands on the floor directly in front of feet. Shift your weight onto your arms (so you can manoeuvre feet). Jump feet back to softly land on the balls of your feet in a high plank position. Your body should form a straight line from head to heels.
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Be careful not to let your back sag or your butt stick up in the air, as both can keep you from working your core (beginner: step out with legs one at a time instead of jumping). Jump feet back so they land just behind hands. Reach arms over your head and explosively jump up into the air. Land and immediately lower back into a squat for next rep; repeat.
INGE’S STRESSBUSTING TIP “There’s nothing like a great outdoor jogging session to clear my mind.”
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Free
lounge access Reality Plus and Reality Health members enjoy as many as 20 free visits a year to any Bidvest Premier Lounge.
To find out more about your Sanlam Reality benefit, go to www.sanlamreality.co.za/benefit/bidvest. Terms and conditions apply.
entertainment
DISNEY DELIGHT! THE NUTCRACKER AND THE FOUR REALMS A powerhouse cast including Misty Copeland (American Ballet Theatre’s first black principal dancer), Keira Knightley and Helen Mirren make this Disney take on a classic favourite a must-see. Expect stunning visuals and dazzling costumes that’ll impress young and old alike. Release date: 2 November
YOUR
e n tertain me n t BENEFITS
Pay R25 for a 2D movie ticket (R45 for 3D) and R30 for a refreshments refreshment combo comboat atNu NuMetro Metro
Get two tickets for the price of one on Computicket!
Six months’ music streaming from simfy africa
1GB free data every month with AlwaysOn
Go to www.sanlamreality.co.za/benefits/entertainment to view your specific benefits, tier status and discount percentage. www.sanlamreality.co.za
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entertainment
Must-see holiday movies
SO MANY REASONS TO HEAD TO NU METRO AND MAKE THE MOST OF YOUR DISCOUNT!
ROBIN HOOD With scenes shot in picturesque Dubrovnik, Croatia (where many of the King’s Landing Game of Thrones scenes were filmed) and a stellar cast including Jamie Foxx and Fifty Shades’ Jamie Dornan, this remake offers a fresh, action-packed take on the well-known tale. And when it’s produced by none other than Leo DiCaprio, who can resist? Release date: 7 December
BOHEMIAN RHAPSODY Rock band Queen may have broken records with their music, but we tend to forget how many stereotypes lead singer Freddie Mercury broke, too. Tracking Mercury’s darker times (played here by Rami Malek), including his AIDs diagnosis in the run-up to the band’s famous performance at Live Aid, this film will tug at your heartstrings and inspire. Release date: 14 December
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SPIDER-MAN: INTO THE SPIDER-VERSE How else do you keep a comic franchise alive than to cross parallel dimensions and team up with the Spider-Men of these dimensions to tackle an evil threat? More drama than action, and moving into computer animation with voices from the likes of Nicolas Cage, Liev Schreiber and Hailee Steinfeld, this is a must for Marvel fans. Release date: 14 December
MARY POPPINS RETURNS Emily Blunt leads the cast as the famous – and mystical – nanny, returning to the children we met in the first film, now fully grown. Focused on re-injecting joy and wonder into the family’s lives following a terrible tragedy, this musical includes star turns by Meryl Streep, Julie Walters and Colin Firth. Expect catchy tunes that’ll be stuck in your head all holiday! Release date: 28 December
Buy your tickets at Nu Metro for R25 for a 2D movie ticket, R45 for 3D and R30 for a medium popcorn and drink. Check it out at www.sanlamreality. co.za/benefits/entertainment.
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WESTERN CAPE, NOORDHOEK | CAPE POINT VINEYARDS
An award-winning wine estate with scenic views of both mountains and sea, this vineyard does require you to pay for a picnic hamper on site (from R400 for two people) rather than bringing your own fare. www.cpv.co.za; open 12pm-4pm on weekends; no entry fee, but booking is essential
Escape THE CITY!
Take advantage of the summer sun at these tranquil picnic spots. GAUTENG, JOHANNESBURG | WALTER SISULU NATIONAL BOTANICAL GARDEN
A serene garden filled with indigenous plants and wildlife. www.sanbi.org; open 8am-5pm Monday-Sunday; R50 per adult (children under six are free)
KWAZULU-NATAL, PINETOWN | PARADISE VALLEY NATURE RESERVE
Immerse yourself in nature with 100 hectares of coastal and grassland trails. There are braai facilities on offer, too. www.paradise-valley. co.za; public parking is open 7.30am-4pm; R13 per adult, R10 per child (under 15)
Voted as the best natural place to visit in Gauteng for almost a decade.
Summer’s
WESTERN CAPE, FRANSCHHOEK | LE PIQUE NIQUE, BOSCHENDAL WINE ESTATE
One of the most picturesque picnic spots in the Cape winelands, you’ll need to buy one of Boschendal’s picnic hamper options (from R245) – but the stunning grounds are well worth it. www.boschendal.com; check online for seasonal opening times; no entry fee, but booking is essential
EASTERN CAPE, EAST LONDON | NAHOON RIVER PICNIC PARK
Overlooked by green cliffs and etched by a wide sandy beach, Nahoon is a great spot for a lazy Sunday. A nominal entry fee can be expected, operated by the municipality; public holidays become busy, so go early to get a spot
EASTERN CAPE, PORT ELIZABETH | PORT ELIZABETH ST. GEORGE’S PARK One of Nelson Mandela Bay’s greenest gardens, filled with exotic plants, water lilies and beautiful blossoms. On the last Sunday of the month, Art in the Park brings the area alive with arts and craft stalls, from 9am-2pm. www.nmbt.co.za; open 8am-4pm; entry is free
sizzling theatre guide
Treat yourself, your partner, your kids – or everyone! – with these great shows.
Research: Anitta Banjwa. Photography: supplied
JOHANNESBURG AND CAPE TOWN | MATILDA THE MUSICAL
Keep the kids entertained with this multi award-winning musical from the Royal Shakespeare Company, inspired by Roald Dahl’s beloved book. When: 17 October-2 December (Johannesburg); 11 December-13 January (Cape Town) Where: Montecasino and Artscape
JOHANNESBURG | THE LITTLE PRINCE
Original music by Wessel Odendaal plus the clever use of Japanese Bunraku puppetry interspersed throughout keep this classic fairy tale fresh and enchanting – for you and the kids. When: 25 October-25 November Where: Studio Theatre, Montecasino
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PRETORIA | THE SHAMPOONAIZA COMEDY SHOW Laughter is food for the soul! Join Shampoonaiza, aka Thapelo ‘TIPS’ Seemise from SABC1’s Sport@10 for a stand-up comedy show that’ll have you in stitches. (Keep paging for an interview with Seemise in this issue!) When: 27 October and 1 December Where: SA State Theatre
DURBAN | CINDERELLA
Looking for a great way to spoil the family this festive season? We love a pantomime packed with audience participation, gorgeous costumes and toe-tapping music – exactly what this production promises. When: 6 December-6 January Where: Elizabeth Sneddon Theatre
DURBAN, JOHANNESBURG AND CAPE TOWN | MICHAEL JACKSON HISTORY SHOW
From get-on-the-dancefloor tunes like Thriller to goose bump-inducing tracks like Earth Song, we’ve all got a Jackson favourite. Experience the mastery of his music and signature choreography via this tribute show, brought to life by industry greats. When: 14 December (Durban); 11 January (Johannesburg); 17 January (Cape Town) Where: Sibaya Casino, Carnival City and Artscape + Book your tickets Reality Plus and Reality Health members can book a ticket to any of these shows via www.computicket.com, and save as much as R300!
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entertainment
JAMAICAN JERK CHICKEN WINGS
Street food from around the
world
This summer, create a global tapas table filled with delicious street food from Italy, Jamaica, India and more. By Katelyn Allegra; photography: Christelle Grobler
Jamaican jerk chicken wings
Jamaica’s Boston Bay is the home of Jerk chicken, where you’ll find it being cooked in big braai pits. Real jerk chicken is smoked (not grilled) with pimento wood – the same wood that gives us allspice. Serves: 4 Ready in: 1 hr 30 mins Marinade 1 small onion, roughly chopped 3 spring onions, halved 3 large garlic cloves 3 jalapeño peppers, stemmed and deseeded 3 limes, zested and juiced 45ml olive oil 30ml tamari sauce (or soy) 20ml salt 30ml demerara sugar 4 thyme stalks, destemmed 10ml ground allspice 10ml pepper 5ml nutmeg 2.5ml cinnamon 1kg chicken wings 4/5 bamboo skewers, soaked in cold water for 30 minutes Grilled pineapple salsa ½ ripe pineapple, peeled and sliced 1 large red pepper, quartered and seeded 1 red onion, peeled and cut in half Olive oil, for drizzling Salt and freshly ground black pepper Handful coriander, finely chopped ½ lime, juiced Place marinade ingredients in blender and pulse until smooth. Place chicken wings in ziplock bag and pour in marinade. Seal bag and press out all the air. Marinade in the fridge for 2-3 hours or overnight. Remove chicken from www.sanlamreality.co.za
fridge. Thread chicken onto skewer, three per skewer. Brush pineapple, red pepper and onion with olive oil and season with salt and pepper. Light a charcoal fire. Once flames have started to die out, place pineapple, red pepper and onion on grill. Allow to char on each side for 5-10 minutes and take off the heat. Dice salsa ingredients and place in medium-sized bowl. Drizzle with olive oil, season and toss coriander through. Once braai coals are a medium-high heat, place chicken on grill and char on each side for 3-5 minutes. Move chicken skewers to cooler side of braai and place lid on to cook for 20 minutes or until cooked through. Remove from braai and rest for 5 minutes before serving.
Sicilian arancine
This Italian dish is essentially big, fried rice balls. What’s not to love? Serves: 6-8 Ready in: 1 hr 30 mins Risotto 60ml olive oil 1 leek, cleaned and finely chopped 3 cloves garlic, grated 450g arborio rice 1.2L chicken stock, heated 50g salted butter Bolognese 40ml olive oil 1 leek, cleaned and finely chopped 2 medium carrots, peeled and grated 400g mince (beef or pork) 30ml tomato paste 400g tinned tomatoes 60ml white wine To coat 50g flour 100ml water 5ml salt 200g breadcrumbs
SICILIAN ARANCINE
‘Arancia’ means ‘orange’ in Italian.
To make the risotto: over a medium heat, sauté onions and garlic in olive oil for 5 minutes, until soft. Add arborio rice; sauté for a further 5-10 minutes or until rice is lightly toasted. Add a ladle of chicken stock to the rice every 5 minutes or until liquid is absorbed, stirring constantly (approx. 30-40 mins). Once rice mixture is creamy and rice is just tender, season with salt and stir in butter. Line a baking sheet with cling wrap and evenly spread risotto in tray. Place another sheet of cling wrap over; refrigerate for 1 hour. For the ragu (Bolognese): sauté leeks and carrots over a medium-low heat until soft. Add mince and sauté until browned. Season meat and add tomato paste and tinned tomatoes; cook for further 10
minutes; add wine. Gently simmer for 20-30 minutes or until cooked through. Refrigerate for 1 hour. Once risotto and ragu are completely cooled, place 1Tbsp (heaped) of rice into palm of your hand and use fingertips to shape into a hollow bowl shape. Place 1tsp of ragu in centre of rice bowl and gently close rice around filling to form a ball or pear shape. Once all arancine have been made, whisk together paste ingredients until smooth. Spread breadcrumbs on a plate or baking dish. Roll arancine in flour paste until fully coated, then roll in breadcrumbs. Heat frying oil to 180˚C. Fry arancine in small batches of two or three for 3 minutes or until golden. Drain on paper towel and serve hot.
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entertainment
Thai rolled ice cream
Rolled ice cream originated from Thailand. A liquid ice cream base is poured onto a frozen slate, rolled out and then shaved into curly, cute rolls. A seriously instagrammable twist on an old favourite! Makes: 6-8 | Ready in: 30 mins Ice cream 600ml double cream 1tsp vanilla 1x 385g tin condensed milk 200g mixed berries, blended and strained (fresh or frozen) INDIAN ONION PAKORAS WITH TAMARIND CHUTNEY
Indian onion pakoras with tamarind chutney
Aka Kanda Bhaji, a popular Mumbai street food. And in case you have leftovers: they’re good for a breakfast snack, too. Serves: 4 | Ready in: 1 hr Tamarind chutney 10ml canola oil 5ml each, ground cumin, ground coriander, ground ginger 2.5ml dried chilli 150g (½ cup) tamarind paste 130g demerara sugar 180ml water Pakoras 1 large onion, finely sliced 12 spring onions, sliced at an angle 2 green chillies, deseeded and sliced Handful coriander, finely chopped 2.5ml garam masala 2.5ml ground turmeric 2cm fresh ginger, grated 165g chickpea flour 20g plain flour 2.5ml salt 250ml soda water, chilled Oil, for frying To make tamarind chutney: place oil and spices in small
saucepan over medium heat. Lightly toast; add rest of the ingredients and bring to boil. Let boil for 3-5 minutes or until slightly thickened. Take off heat and set aside to cool.
Toppings Edible flowers and raspberries, for garnish 1 ripe pineapple halved, inside scooped out To make ice cream: whisk cream, vanilla and condensed milk until smooth and thickened slightly. Add berry purée and slowly stir in to form
swirls. Evenly spread 3mm of ice cream mix onto baking tray. Do this on separate baking trays until mix is finished; freeze for 4 hours or until firm. Once ready to serve, use metal bench scraper or metal egg lifter and quickly scrape ice cream into rolls by placing scraper at an angle against edge of pan, pushing carefully forward. If ice cream needs help forming, use a butter knife to push sheet of cream into roll. Serve immediately or refreeze until ready to serve.
THAI ROLLED ICE CREAM
For pakoras: in medium-sized bowl, combine onions, spices, ginger and salt. Set aside for 15-20 minutes. Mix in flours and slowly add soda water while stirring. The batter should have the consistency of double-cream yoghurt. Once everything is combined, place clean cloth on top and set aside for 10 minutes to allow onions to soften slightly. Pour enough oil in a small pot to deep fry and bring to 170˚C (test by dropping in a piece of onion; once onion starts to sizzle, it’s ready). Drop tablespoons of mix into oil and allow to cook for 3 minutes on each side. Drain on paper towel; season and serve immediately with chutney.
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Chinese gua bao with hoisin glazed pork
These pork buns are traditionally served with peanuts, coriander and pickled carrots. But they’re delicious with just about anything! Serves: 4-8 Ready in: 3-4 hrs
Hoisin-glazed pork shoulder 1kg boneless pork shoulder, skin on 160ml hoisin sauce 15ml sesame oil 125ml water 60ml white wine vinegar 3 spring onions, sliced diagonally 30ml finely grated ginger 5ml sea salt flakes 3 cloves garlic, crushed 2 bay leaves 60g light brown sugar
To make pork shoulder: pre-heat oven to 200˚C or 180˚ fan forced. Use a sharp knife to remove rind from pork, set aside (see TIP, below). Butterfly pork to create 4cm-thick pieces. Place rest of ingredients in large, deep-sided baking dish; mix to combine. Add pork, cover with tinfoil and cook for 3 hours. Remove foil and cook for 30 minutes. For bao: add water to a bowl and sprinkle yeast over. Add rest of the ingredients. Knead
Bao buns 180ml lukewarm water 10ml instant dry yeast 320g bread flour 22g cornflour 40g sugar 25ml baking powder 40g salted butter, melted Pickled carrots and shredded cabbage, to serve
TIP
Want to serve these with pork crackling? While pork is cooking, divide rind between 2 oven trays and cook for 20 minutes or until crisp and golden. Remove from tray; sprinkle with salt. Serve with stuffed gua bao.
mix with dough-hook mixer for 8-10 minutes or knead by hand for 20 minutes. Once smooth, place dough in a lightly oiled bowl and cover with clean, damp cloth. Place in warm area for 1 hour or until doubled in size. Once risen, punch down and divide dough into 10 evenly-sized balls (about 45g). Cover with cling wrap; allow to proof for 15 minutes. In palm of your hand, flatten balls and roll into oval
shapes. Cut small squares of baking paper (about 10cm square). Place each oval on baking paper and steam buns for 15 minutes, or until buns have doubled in size, are soft and springy, and bounce back when you press them. Rotate steamer baskets every 5 minutes if bottom ones are cooking quicker than top. To serve, stuff slices of pork shoulder in bun with pickled carrots and shredded cabbage.
entertainment
Comedy
CULTURE 5 Minutes with Thapelo ‘TIPS’ Seemise Actor, comedian and all-round entertainer Thapelo Seemise – who even manages to put a hilarious spin on sports as the host of SABC1’s Sport@10 – talks fate, inspiration, upcoming projects and why he’s so excited about SA’s comedy scene.
ENTERTAINMENT IS
SOUTH AFRICAN COMEDY
TRUE COMEDY COMES
A SURPRISING THING
IN MY BLOOD
IS GOING GLOBAL
FROM OBSERVATION
ABOUT ME…
I believe fate led me here. I wanted to be an analytical chemist, but won a scholarship to study dance. So I ended up completing a diploma in performing arts; that’s when the entertainment bug bit me. I haven’t stopped feeling it in my blood since.
Our comedic industry is growing at a rapid pace, with a number of comedians doing well abroad. Take Loyiso Gola, who’s moved to the UK and is working on his Netflix special. We are world class!
When I’m not on stage, I am being a brother, a friend and a son. But I spend most of my time in the township observing daily life because that’s where the true comedy and story is. I draw inspiration from daily movements, human behaviour in different spaces and my personal encounters. I spend lots of time observing everything around me.
… is that while you might think I’m a people’s person, I actually avoid talking to strangers out of fear that they might be offended by my jokes!
A HUGE INSPIRATION SOME OF MY CAREERDEFINING MOMENTS
In 2011 I wrote and acted in the short film, Taxi Ride, which gave birth to the character Shampoo – a key role in my career. Getting my show Shampoonaiza Comedy Show to be the resident show at Pretoria’s SA State Theatre from 2017 to date has also been great.
I’ve enjoyed watching Trevor Noah grow in his craft – moving abroad and gaining an international platform has enhanced his talent. I’d love to collaborate with him and learn more about writing and sharing universal jokes for an international audience – allowing me to perform anywhere in the world.
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BALANCE IS KEY TO MANAGING A BUSY SCHEDULE
The gym is a key part of my routine, and I make sure that I’m consistent in attending and keeping fit.
BE A BIG YEAR!
I have a quite a few exciting projects coming up: my monthly shows at the SA State Theatre as well as more involvement in sports through my comedy on SABC1’s Sport@10. You can also expect to see me in a new movie called Matwetwe, though my biggest project will be a Christian comedy, one-man show DVD recording between March and April.
Catch the Shampoonaiza Comedy Show in Pretoria at the SA State Theatre on 1 December. As a Reality Plus and Reality Health member, you can buy one ticket and get another FREE (up to R300)! For more: www.sanlamreality.co.za/benefits/entertainment.
www.sanlamreality.co.za
Photography: supplied; interview: Anitta Banjwa
TREVOR NOAH IS
2019 IS GOING TO
IN FIVE LINES NAME: Thapelo ‘TIPS’ Seemise ‘TIPS’ STANDS FOR: ‘Through
Inspiration People Succeed’
DESCRIBE YOUR LIFESTYLE:
Simple, calm, happy. INDULGENCES: Coca-Cola and lots of movies. NOTORIOUS FOR: Hard work and a can-do attitude.
3 Totally new ways
for you to claim your Nu Metro discount Aside from booking online at www.sanlamreality.co.za/ benefit/nu-metro-movies or using the Sanlam Reality call centre (0860 732 548/9), try these new options: Through your new Sanlam Reality App. Book everything in-App, plus store your booking codes in your App’s digital wallet. Easy! At Nu Metro self-service terminals
At Nu Metro sales counters in-cinema
R25
R45
R30
2D movie ticket
3D movie ticket
Medium popcorn + drink
Download the free Sanlam Reality App from your app store. For more information, go to www.sanlamreality.co.za/benefit/nu-metro-movies. Benefit T&Cs apply.
YOUR
real world
info guide TO WHAT’S HAPPENING INSIDE SANLAM REALITY
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THE APP IS HERE!
GOT THE RIGHT GAP COVER?
ACE YOUR FITNESS GOALS
6 Reasons to download it now
www.sanlamreality.co.za
The things to check before the end of the year
Inside the Independent Gyms & Studios benefit
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All your Sanlam Reality benefits and discount percentages
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new for members
C’mon, get Appy! The Sanlam Reality App is coming soon – and there are so many reasons why you’ll need to download it.
Earn
1
3 000 tier points
Just by downloading our App and signing in. It’s that easy!
2
Access up to
30% off Uber trips
You’ll be able to use your Uber discounts in the Sanlam Reality App for: • Airport transfers • Uber After-Hours (10pm-4am) Here’s how it’ll work: • Ensure you’ve downloaded the Uber app and it’s linked to the same email and phone number you used for your Sanlam Reality membership. • In the Sanlam Reality App, click on Uber benefit block and follow the prompts to activate your benefit. • You’ll be redirected to the Uber app, but your discounts will be automatically applied to your trips. Please note: you will only be able to activate (once-off) your Uber trips benefit via the Sanlam Reality App.
3
Save up to
60% on Independent Gyms & Studios
You can now choose from a variety of independent gyms and studios across the country, accessing exciting classes like yoga, CrossFit, Pilates and more. • Sign up to your chosen independent gym or studio via the Sanlam Reality website. • Using your App, scan a QR code every time you visit your gym or studio, to record your visits. The more you visit, the higher your discount!
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REALITY SPRING/SUMMER 2018
www.sanlamreality.co.za
4
Nu Metro bookings just got easier! On the go and need to book a movie? You can conveniently buy movie tickets and refreshments via the Sanlam Reality App and store all ticket references in your App’s wallet.
5 Live chat with your Personal Assistant Enjoy instant chat, 24/7 with your Personal Assistant – much like a WhatsApp chat. Sourcing quotes and handling queries just got even simpler!
Go cardless
6
note
www.sanlamreality.co.za
Store and upload your credit cards for no-fuss payments. PLUS: Forgot your membership card? No worries! Using your App, you can get access to things like Bidvest Premier Lounges from your phone.
Get the App
Download it: free from your app store, coming soon. Find out more at www.sanlamreality.co.za.
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gap cover
Before 2019 hits… why not review your gap cover? “All gap cover companies and product providers re-price annually to align with their claims expectations, on both incidences and cost per incident, for the next year,” advises Martin Neethling, head of Sanlam Gap Cover. “These are based on historical trends, health cost inflation and changes in product rules and benefit design. It is of the utmost importance to check your current level of cover and benefit richness – premiumto-benefit value – against what is offered and available in the market. “Ensure that you understand what you are covered for by your scheme
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and what not, specifically relating to your unique and anticipated healthcare needs for the next year.”
If you’ve got kids – or are planning to have kids soon – remember to check out these things “Some gap cover providers cover per family and will cover children if they are also covered on the parents’ medical scheme,” says Neethling. “Newborn babies need to be registered within specific time limits and are born onto the scheme and not underwritten. “Most gap cover companies
REALITY SPRING/SUMMER 2018
will impose nineor 12-month exclusions on pregnancy with new applications, so if you’re planning to have a family, it’s important to ensure that you’re covered ideally before falling pregnant.”
Consider these things
The most important features to look for in gap cover are, according to Neethling: A reputable brand Clear and understandable benefits Benefit richness, specifically the most probable risks (such as in-hospital and oncology shortfalls) Benefits relating to specific planned procedures for your individual needs Premium-to-benefit ratio compared to competitors in the industry Quality of administration, service, accessibility and ease of doing business Integration with administrator and other products If it offers loyalty programmes for optimal savings
Photography: Shutterstock
Do a price check
www.sanlamreality.co.za
independent gyms & studios
5 Steps to acing your fitness goals! Thanks to our partnership with FitKey, we’re extending your gym benefits… introducing Independent Gyms & Studios! This unique member benefit means if you don’t want to train in a mainstream gym, you don’t have to. Tap into boutique gyms and studios across the country for a workout that suits you.
1 Locate your zone
Whether you’re in Gauteng, KwaZulu-Natal or Limpopo, there’s an independent gym or studio near you! Simply head online to www.sanlamreality.co.za for a list of qualifying gyms and studios, or open up your Sanlam Reality App (coming soon) to find locations in your area.
2 Define your goals
The new Independent Gyms & Studios benefit means tapping into a wider range of classes, from Pilates and yoga to CrossFit. So all you need to do is decide on your fitness goals – and the workout style best suited to you – and then sign up to the independent gym or studio with your preferred offering.
3
5 Sign up
Signing up is simple: go to www.sanlamreality.co.za, complete the registration form and confirm your debit order details. Want to speak to someone first? Once you’ve located a qualifying gym or studio near you, you can make an appointment to sign up in person, too.
4
Track your progress… and save big!
Reality Plus and Reality Health members will receive a 20% discount and Reality Core members will receive a 10% discount on their gym or studio fees for the first month. Thereafter you can save up to 60% on monthly fees based on the number of times you visit the gym or studio per month. To record your visits, download and activate the Sanlam Reality App, then scan the QR code whenever you enter your gym or studio – easy!
Find your commitment level
Depending on your requirements, you can sign up for a one-year gym contract, a one-year studio contract, a monthly studio contract or a 10-pack studio offering. Which means you can make as much (or as little!) of a commitment as you’re comfortable with.
USE YOUR BENEFIT
www.sanlamreality.co.za
Find out more about the brand-new Independent Gyms & Studios benefit, as well as the Sanlam Reality App – both of which are coming soon – by visiting www.sanlamreality.co.za or by keeping an eye on your email inbox for launch news.
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benefits
Sanlam Reality benefits table Reality Health
Reality Plus
Reality Core
Sanlam Life Cover
Up to 30% off
Up to 30% off
n/a
Sanlam Savings Products
Up to 100% off primary asset management charges
Up to 100% off primary asset management charges
Up to 100% off primary asset management charges
Sanlam Gap Cover
Double the cover from day one
Double the cover from day one
Double the cover from day one
Sanlam Online Will
Free with secure Will storage
Free with secure Will storage
Free with secure Will storage
Sanlam Personal Loans
Cash-back reward of up to 20% Cash-back reward of up to 20% Cash-back reward of up to 20%
Wealth Sense
Online financial platform
TaxTim
Complimentary tax assistance Complimentary tax assistance Complimentary tax assistance
Funeral cover
Fedhealth members on Reality n/a Health and Reality Access
Fedhealth members on Reality Health and Reality Access
Pet accident cover
Fedhealth members on Reality Health and Reality Access
n/a
Fedhealth members on Reality Health and Reality Access
Cash-back bonus
Cash-back bonus
Cash-back bonus
Virgin Active
As much as 60% off
n/a
n/a
Planet Fitness Gym
As much as 80% off
As much as 80% off
As much as 60% off
JustGym
As much as 80% off
As much as 80% off
As much as 60% off
Independent Gyms & Studios (coming soon)
As much as 60% off
As much as 60% off
As much as 40% off
Mango flights
As much as 30% off
As much as 30% off
As much as 20% off
Emirates flights
As much as 25% off
As much as 25% off
n/a
Protea Hotels by MarriottÂŽ
As much as 30% off
As much as 30% off
As much as 20% off
Tempest Car Hire
As much as 50% off
As much as 50% off
As much as 50% off
Uber trips
As much as 30% off
As much as 30% off
As much as 30% off
Bidvest Premier Lounge
Up to 20 visits/year
Up to 20 visits/year
n/a
International travel insurance
Fedhealth members on Reality Health and Reality Access
n/a
Fedhealth members on Reality Health and Reality Access
Nu Metro movies & refreshments
R25 for 2D or R45 for 3D; R30 for combo
R25 for 2D or R45 for 3D; R30 for combo
R25 for 2D; R30 for combo
Computicket shows and sport
Two tickets for the price of one (up to R300)
Two tickets for the price of one (up to R300)
n/a
Simfy Africa music streaming
Six months complimentary; save 7.5% thereafter
Six months complimentary; save 7.5% thereafter
Six months complimentary; save 7.5% thereafter
Wi-Fi
1GB data/month
1GB data/month
n/a
Reality magazine
Three times a year
Three times a year
Three times a year
24/7, 365 days a year
24/7, 365 days a year
24/7, 365 days a year
Wealth
Online financial platform
Online financial platform
Day-to-Day Savings Money Saver card Health
Travel
Entertainment
Personal Services Personal Assistant
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www.sanlamreality.co.za
JOIN THE MEDICAL AID REVOLUTION Forget what you know about medical aid. Fedhealth is changing the status quo and giving YOU the control to create the aid and choose the benefits YOU need from the ground up.
Thousands have already joined the medical aid revolution. If you’re ready to rebel, go to fedhealth.co.za to see their stories and to find out how much YOU can save on medical aid that’s made for all of you, and only you.
Fedhealth. We let you be YOU.
Explore more. For less. South Africa is a beautiful country, so get out and discover. Stay at Protea Hotels by MarriottÂŽ and you can save as much as 30% on a double room.
To book your accommodation, go to www.sanlamreality.co.za/benefit/protea-hotels or call 0860 732 548/9 for more information. Terms and conditions apply.