Silver Digest September/October 2020 by New Media B2B

ISSUE 7 SPRING SEPTEMBER/ OCTOBER 2020

Cooking with

rooibos Your retirement investments after COVID-19

PLUS

WIN A LAAGER ROOIBOS HAMPER

Hillary Why America wouldn’t vote for “that woman”

Solving the life versus living annuity debate

WIN

DAY TRIPS ON THE KZN SOUTH COAST

A COPY OF REMARKABLE GARDENS OF SOUTH AFRICA

The legendary Una van der Spuy’s remarkable garden revisited

Contents

…

6 UPFRONT Where to go, what to read, buy and drink.

TRAVEL 10 TEN DAY TRIPS ON THE SOUTH COAST

The KZN South Coast boasts a wealth of familyfriendly day adventures.

FEATURE

pension fund seeking to leave South Africa.

MONEY 19 YOUR RETIREMENT INVESTMENTS AFTER COVID-19

Retirees can improve their current situation.

20 FINBOND

CONTENT PARTNERSHIP

22 THE TAXATION LAWS AMENDMENT BILL

Surprise three-year lockup announcement for anyone with a South African

40 Art fairs may have been

24 BENEFITS OF BLENDING: SOLVING THE LIFE VERSUS LIVING ANNUITY DEBATE ADVERTORIAL

42 Cooking with Laager Rooibos

26 HORMONE REPLACEMENT THERAPY: IS IT FOR YOU? 29 CBD FOR SENIORS

postponed, gone online, or cancelled entirely but you can still buy a Museum Masterpiece. RECIPES

HEALTH

14 HILLARY CLINTON A new docu-series

explores why Americans wouldn't vote for "that woman".

COIN COLLECTING

51 percent of seniors have used CBD and have experienced health benefits when using it.

and @withlovefromthetwins. PLUS you could win a hamper valued at R500 filled with Laager Rooibos products and a recipe book, Food Stories, by Laager Rooibos ambassadors, Lebo and Telo Ndala (@withlovefromthetwins).

33 HAY FEVER SEASON IS HERE!

MOTORING

46 Volkswagen has added a fifth

For many South Africans, spring spells runny noses, red eyes and an itchy throat.

LEISURE BOOKS

R e agdievreaway

model to the brand’s SUV range in South Africa, the T-Roc. 50 CROSSWORD

36 BOOK EXTRACT + GIVEAWAY:

This extract from Remarkable Gardens of South Africa by Nini Bairnsfather Cloete and Craig Fraser, courtesy of Quivertree, features the garden of the legendary Una van der Spuy. Plus, we have a copy to give away. WWW.SILVER DIGEST.CO.ZA

Ed's note …

@SILVERDIGEST

pring is here. It’s a season that

also offered us a copy of the book it’s from,

usually signals fresh beginnings.

Remarkable Gardens of South Africa. Flip to the

This year, it’s harder to know exactly

article on page 38 to find out how to make

what it bodes as we tentatively emerge from

it yours. As we consider the state of the

the shadow of the pandemic that

world, however, we couldn’t help

rocked the globe. Certainly,

thinking of the US elections,

the virus will be with us for some time, but there

new email newsletter.

coming up in November, and

If you would like to receive more

recall how last time around

is something about the

of the features you’ve come to love

sunshine and warm air

direct to your inbox, simply head to

that makes it seem a little more manageable. We are lucky in South Africa to

www.silverdigest.co.za to sign up – like the magazine, it’s also absolutely free.

have the climate we do – and

it was a nail-biting race between Donald Trump and Hillary Clinton. The new four-part docu-series, Hillary, is a riveting picture of

the election through the prism of

not just for the lifestyle. The simple fact

its protagonist’s life. Clinton, now 72, went

that we can spend time outside, open our

further than any woman politician in US

doors and windows and let in the fresh

history, so we delved into what took her so

air and sunlight, helps keep our homes

far, and what held her back, as we wait to

healthier and us safer. In this issue of Silver

see how this election will play out. The rest

Digest, we celebrate the outdoors with a

of the issue is filled with entertainment –

wonderful splash on gardening legend

outings and restaurants are on the cards

Una van der Spuy’s garden, dating back

again! – and advice on health, wealth and

to the year she turned 100. The excerpt is

wellbeing. Enjoy the read, enjoy spring and

an absolute delight, reproduced courtesy

stay happy, healthy and well!

of its publishers, Quivertree, who have

Graham

We are giving away a hamper

Spring g iveaways

valued at R500 filled

EDITORIAL EDITOR: Graham Wood Email: graham.wood@newmedia.co.za SUB EDITOR: Anita van der Merwe LAYOUT & DESIGN: Julia van Schalkwyk PHOTOGRAPHY Cover: Joseph Sohm / Shutterstock.com Unless previously agreed in writing, Silver Digest owns all rights to all contributions, whether image or text. Sources: Gallo/Getty Images, Shutterstock, supplied images, editorial staff. ADVERTISING Paul Goddard | +27 (0)82 650 9231 paul@fivetwelve.co.za Tanya Finch | +27 (0)82 9619429 tanya@fivetwelve.co.za Nina Frank | +27 (0)84 434 7776 nina@fivetwelve.co.za SUBSCRIPTIONS Felicity Garbers Email: felicity.garbers@newmedia.co.za PUBLISHING TEAM GENERAL MANAGER: Dev Naidoo PUBLISHING MANAGER: Sandra Ladas Email: sandra.ladas@newmedia.co.za PRODUCTION MANAGER: Angela Silver ART DIRECTOR: David Kyslinger MANAGEMENT TEAM CEO, NEW MEDIA: Aileen Lamb COMMERCIAL DIRECTOR: Maria Tiganis BRAND STRATEGY DIRECTOR: Andrew Nunneley CHIEF FINANCIAL OFFICER: Venette Malone CEO, MEDIA24: Ishmet Davidson Johannesburg Office: Ground floor, Media Park, 69 Kingsway Avenue, Auckland Park, 2092 Postal Address: PO Box 784698, Sandton, Johannesburg, 2146 Tel: +27 (0)11 877 6111 Fax: +27 (0)11 877 6198

with Laager Rooibos

We also have a copy

products and a recipe

of Remarkable Gardens

book, Food Stories,

of South Africa by Nini

Published by New Media, a division of Media24 (PTY) Ltd

by Laager Rooibos

Bairnsfather Cloete

ambassadors, Lebo and

and Craig Fraser to give

Telo Ndala (@withlove

away courtesy of its

fromthetwins). See page

publisher, Quivertree.

42 for details of how to enter.

See page 38 for details.

Head Office: New Media House, 19 Bree Street, Cape Town, 8001 Postal Address: PO Box 440, Green Point, Cape Town, 8051 Tel: +27 (0)21 417 1111 | Fax: +27 (0)21 417 1112 Email: newmedia@newmedia.co.za Printed by

, a division of Novus Holdings

Winners…

In issue #6 of Silver Digest, we gave away a copy of A Woman Makes a Plan: Advice for a Lifetime of Adventure, Beauty, and Success, the new memoir by Maye Musk. The winner is Ruth Mink, from Sea Point, Cape Town. While precautions have been taken to ensure the accuracy of its contents and information given to readers, neither the editor, publisher, or its agents can accept responsibility for damages or injury which may arise therefrom. All rights reserved. © Silver Digest No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, photocopying, electronic, mechanical or otherwise without the prior written permission of the copyright owners.

SILVER DIGEST // SPRING 2020

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Earn double eBucks and double ClubCard points every Wednesday, if youâ&#x20AC;&#x2122;re over the age of 60.

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Upfront …

KNORHOEK After months of lockdown, Knorhoek makes for the perfect country escape. Accessibly situated just outside Stellenbosch, this working farm is the perfect choice for family outings. Delicious farm-to-table dishes and top Simonsberg wines are just part of the story. It’s perfect to take the grandkids. You can enjoy lunch around the pool or a picnic under a

WHERE TO GO, WHAT TO READ, BUY AND DRINK

canopy of trees, while the children explore rock pools or expend their energy on a bouncy jumping castle. Nature abounds, so there’s plenty to keep the little ones entertained. Day outings offer a blast of fresh country air, but weekend getaways

STAY HERE: GONANA GUEST HOUSE

establishment is also Fair Trade accredited

allow the whole family a chance to

with the ethos: ‘Buy local, think global’.

take advantage of this 200-hectare

Gonana Guest House, which launched this

Gonana has seven en-suite rooms. Five of

Winelands property. Both bed

September, is Paternoster’s first sustainable

the guest suits have private verandas, four

and breakfast and self-catering

and environmentally conscious guest

of which lead directly to the beach, while

units are available. Breakfast is

house. Owned by Swedish entrepreneur and

upstairs the family suite with private terrace

served daily, and lunch can be

interior designer Jonas Sandström, Gonana

can accommodate a small family wanting

enjoyed at the restaurant. Guests

is located right on the Bekbaai beach

to stay together. Since the name Gonana is

can also delight in birdwatching,

alongside a greenbelt. It’s also virtually off

derived from the Zulu word ‘embrace’, it’s

cycling, hiking, or running, or take

the grid and completely environmentally

fitting that all who enjoy and appreciate

advantage of a leisurely ramble

ethical. All water is recycled, all power is

nature and are environmentally conscious

across the estate. A choice of three

solar generated, plastic usage is minimal

are welcomed with open arms at Gonana

trail routes offer potential sightings

and chemicals are taboo, gardens are

Guest House. For them, it will absolutely be

of the local wildlife, such as owls,

indigenous and water wise, and décor

home from home.

eagles and porcupines.

is all-natural and sourced locally. The

www.gonanaguesthouse.com

https://knorhoek.co.za

SILVER DIGEST // SPRING 2020

EAT HERE: MARBLE AND SAINT Two of Johannesburg’s iconic restaurants, Marble and Saint, reopened in September for dinner only. “We’ve been closed for five months, and it’s time to get back to work,” says co-founder of the restaurants, Gary Kyriacou. “We are putting a host of safety mechanisms in place to ensure our guests feel as safe as possible, while still ensuring the same high-quality, seamless experience they have come to know and love at both Marble and Saint.” As part of the reopening, both restaurants will have reduced service times – each opening only for dinner. In order to manage social distancing requirements, seating has been limited in each restaurant and booking will be essential as no

the fires – it’s almost four years

ensure our environment is healthy

walk-ins will be accepted.

to the day we opened Marble,

and safe, we kindly ask that our

and two years since we opened

guests assess their own risk before

welcome everyone back,” says

Saint.” Guests can expect the

arriving,” Kyriacou adds. “If guests

Chef David Higgs. “This has been a

highest level of safety procedures

have underlying conditions, or

really tough time for everyone, but

on arrival, including registration

are concerned they may have

we want to get back to work. It’s

via QR codes, single-use menus

COVID-19, we ask that they please

going to be awesome to reconnect

and sanitising stations. All

wait and not visit until they are

face to face with everyone and

guests will be required to wear

confirmed negative. We ask this

reignite all the relationships

face masks, except when seated.

for the safety and health of our

we’ve made. In a way, it’s going

“Most importantly, and while we

team, our other guests, and the

to be almost spiritual to relight

are doing everything we can to

community around us.” •

“Our team is really excited to

Opening times: Marble: Tuesday – Saturday: 18h00 onwards Bookings: www.marble. restaurant Saint: Wednesday – Sunday: 18h00 onwards Bookings: www.saint.restaurant

WWW.SILVER DIGEST.CO.ZA

UP FRONT GET YOUR ART FIX HERE: JOBURG CONTEMPORARY ART FOUNDATION

human worlds meet. The animal-

“The significance of an

human hybrid figures represent

exhibition of black women artists

the second world of the exhibition.

in the context of current world

The Joburg Contemporary Art

Hybridity refers to the mingling

events is more relevant than ever,”

Foundation (JCAF), the most

of species, races or cultures, a

says Clive Kellner, the Executive

exciting new addition to the

crossing of one thing with another.

Director of JCAF and curator

city’s art scene, has opened its

These figures are both abject and

of the exhibition, “as issues of

inaugural exhibition, which is

beautiful. This uncomfortable

race and gender have become so

available to view by appointment.

ambivalence is meant to provoke

Contemporary Female Identities

a response in the viewer,

in the Global South (on until 30

who must consider the

January 2021) explores multiple

relationship between

constructions of female identities

themselves and

understanding

by five women artists, Bharti Kher

other, different

our national,

(India), Nandipha Mntambo (South

subjectivities. In

communal

Africa), Wangechi Mutu (Kenya/

the third world

and individual

USA), Shirin Neshat (Iran/USA)

of the exhibition,

identity

and Berni Searle (South Africa),

the viewer is

formations.”

whose practices are embedded in

reminded that the

JCAF has

the Global South. This exhibition

body is real and

proposes a realm in which these

embedded in race,

subjects explore worlds of their

religion and identity.

own choosing, in which they might

The exhibition design

be mother, martyr, warrior or

presents three otherworldly

hybrid. The exhibition is divided

or dreamlike spaces, connected by

into three areas or worlds. The

metaphorical ‘bridges’ that draw

www.jcaf.org.za to view a virtual

first is configured around the Fall,

attention to the constructedness of

tour of the exhibition and for

a realm where the natural and

the exhibition environment.

further information.

politicised and polarised, hybridity may represent a productive line of enquiry for

COVID-19 safety protocols in place. Entrance to JCAF is free to the public and bookings can be made online. Visit

CLICK TO BOOK ONLINE

SILVER DIGEST // SPRING 2020

DRINK THIS: ICEWINE Icewine is wine produced from grapes that have been naturally frozen while still on the vine in the Canadian Niagara Peninsula. The sugars and other dissolved solids do not freeze, but the water does, allowing for a more concentrated grape juice to develop. The frozen grapes are pressed, resulting in a smaller amount of more concentrated, luscious luxury sweet wine with intense flavours. Icewine is best when chilled before serving with semi-sweet desserts, cocktails or with spicy or strongly flavoured foods. Inniskillin Gold Vidal 2017 is priced at R1 470 per bottle (375ml) and is available at www.icewineafrica.com.

READ THIS: SIYA KOLISI: AGAINST ALL ODDS BY JEREMY DANIEL

THE PINK LINE BY MARK GEVISSER Six years in the making, The Pink Line follows protagonists from

This is the updated edition of the highly

nine countries all over the globe

successful unauthorised biography of Springbok

to tell the story of how ‘LGBT

Captain Siya Kolisi. It includes all the games at

Rights’ became one of the world’s

the Rugby World Cup in Japan in 2019, and the

new human rights frontiers in

tumultuous victory tour around South Africa when

the second decade of the 21st

the team brought home the cup. Victory at the Rugby

century. From refugees in South

World Cup is the crowning glory of an incredible

Africa to activists in Egypt,

journey that began on the impoverished streets of

transgender women in Russia

Zwide, a township outside Port Elizabeth. As the

and transitioning teens in the

first black South African to captain a Springbok

American Mid-West, The Pink

rugby team, Kolisi’s remarkable story is unique

Line folds intimate and deeply

and deserves to be heard. Author Jeremy Daniel

affecting stories of individuals,

tracks Siya’s journey from his childhood days on the

families and communities into a

streets of Zwide, through some crucial games in high

definitive account of how the world

school, into the Western Province rugby set-up and

has changed, so dramatically,

his fight to become

in just a decade. And in doing

Springbok captain.

so, Mark Gevisser reveals a

He goes deep

troubling new equation that has

inside the systems

come into play: while same-sex

that identify

marriage and gender transition

junior talent, the

are now celebrated in some parts

characters who

of the world, laws to criminalise

shaped his journey,

homosexuality and gender non-

and the moments

conformity have been strengthened

where he showed

in others. In a work of great scope

who he really was.

and wonderful storytelling, this is the ground-breaking, definitive account of how issues of sexuality and gender identity divide and unite the world today. • WWW.SILVER DIGEST.CO.ZA

Travel …

ith leisure day trips allowed, many

excursions during the COVID-19 pandemic,” said

are taking advantage of the incredible

CEO of Ugu South Coast Tourism (USCT), Phelisa

KwaZulu-Natal (KZN) weather by getting

Mangcu. “The KZN South Coast is fortunate in that it

outdoors and enjoying the selection of nature-based

offers visitors a range of recreational and adventure

activities. For those seeking an area that boasts a

activities at our many natural sites. There is truly

wealth of diverse, family-friendly day adventures all

something for everyone to enjoy here.”

in one space, there is nowhere better than the KZN South Coast. “One of the messages we’re constantly hearing is that being outdoors is one of the safest options for

SILVER DIGEST // SPRING 2020

Located an easy 45-minute drive from Durban along the KwaZulu-Natal coastline, the KZN South Coast is perfectly situated for a family day trip. Here’s a list of the top 10 available activities.

LOCAL

MUST-TRY DAY TRIPS ON THE KWAZULU-NATAL

South Coast

OCEANSIDE EXCURSIONS

The 120-kilometre coastline consists of 58 idyllic beaches, five of which have Blue Flag status. While bathing is not permitted under lockdown level 2, families can enjoy beach walks on the promenade, benefitting from endless ocean views and the fresh sea air. Continued â&#x20AC;¦

WWW.SILVER DIGEST.CO.ZA

T R AV E L

5 2

HIKING AND BIRDWATCHING

For those who enjoy the cool,

GAME VIEWING

refreshing feel of hiking in a

Situated in Oribi Gorge,

natural coastal reserve, the

Lake Eland Game Reserve

KZN South Coast is the ideal

consists of 2 500 hectares of

choice. With 10 nature reserves –

diverse ecosystems, home

including Clearwater Trails and

to a variety of wildlife and

Ingeli Forest – and

natural vegetation. Visitors

numerous

can now enjoy the African

walking trails,

bushland up close by visiting

there is ample

this KZN South Coast gem.

opportunity to get close to the area’s indigenous bird and wildlife.

DELICIOUS DINING

Mac Banana, a working banana plantation,

Stretching 120km from

or the famous Waffle

Scottburgh to Port

House. Other famous

Edward and inland to

pit stops include Beaver

Harding, this area has

Creek, Packed Shed,

no end of quality dining

and The Dog House

options. Visitors looking

– a particular treat

for something a bit

for those with canine

sweeter can stop in at

companions.

located 10 kilometres from Port Edward, is just 200 metres in diameter, and

excursions, including the recently

consists of rich, red soil that once held archaeological artefacts.

established KwaNzimakwe Multi-

DESERT TREKKING Although this coastal region doesn’t generally bring to mind desert terrain,

the KZN South Coast actually boasts the world’s smallest desert. The Red Desert,

4X4 EXCURSIONS For the thrill seekers, the

region has a number of 4x4

Trails, which form part of the USCT Great Drives Out initiative. Motorists can take a drive along the scenic 15 to 20-kilometre course that traverses the Mpenjati River Valley.

SILVER DIGEST // SPRING 2020

LOCAL

BEACHSIDE HORSE RIDING Selsdon Park Estate, 20 minutes from Shelly Beach, offers

an incredibly unique experience in beachside horse riding. A wonderful experience for those who want to experience something truly memorable.

A GOLF TOUR This region has been coined

‘The Golf Coast’ because of its 11 immaculate, oceanside golf courses, ranging in difficulty. From the 18-hole championship course at San Lameer, to the captivating scenery of the Scottburgh Country Club semi-links course, there is a green for every golfer.

Whale Deck,

The KZN South Coast is well-

Ramsgate Whale

known for its adrenaline-

Between July and

Deck, and Umdoni

inducing activities, one of which

November, migrant

Golf Club Whale Deck.

is the Wild Gorge Swing – part

humpback and

This year has had

of the award-winning Wild 5

southern right whales

some magnificent

Adventures. Based at Oribi

can be spotted moving

sightings of humpback

Gorge, visitors are securely

northwards along

whale calves and

harnessed before undertaking

the coast. Visitors

increased numbers of

an exhilarating 55-storey free-

can witness these

southern right whales.

fall accelerating up to 120km/h.

massive mammals

Visitors can also spot

But if the highest worldwide

from a number of

bottlenose dolphins

gorge swing is too much, then

spots, including

from the viewpoints,

there’s also the incredible

the Umtentweni

and the annual sardine

KwaXolo Caves Adventure. This

Conservancy

run – a globally

harnessed system guides visitors

renowned biomass

to the naturally and culturally

migration – is a bucket

significant caves, adorned with

list must.

prehistoric rock paintings by San people. To find out more about sites and activities on the KZN South Coast, download the free ‘Explore KZN South Coast’ app from Google Play and Apple stores or visit www.visitkznsouthcoast.co.za. USCT is also on social media – follow the ‘South Coast Tourism’ Facebook page, or @infosouthcoast on Twitter using #travelsouthcoast #tourismsouthcoast #kznsouthcoast. • WWW.SILVER DIGEST.CO.ZA

PHOTO: HTTP://WWW.WILD5ADVENTURES.CO.ZA/ADVENTURE-ACTIVITIES/WILD-SWING/

WHALE VIEWING

NON-STOP ADVENTURE

Feature …

CLICK TO WATCH THE PREVIEW

Hillary Clinton’s life, as told in the new docu-series Hillary, is not just a life story, but an important story about American politics.

In Hillary, the riveting four-part

Clinton is the most famous

her career has been dogged by

documentary directed by Nanette

and probably the most popular

controversies and scandals.

Burstein that was released earlier

woman politician of her own time.

The documentary recounts the

here is something about Hillary Rodham Clinton Nevertheless, Hillary

this year, it is something the

Many people do love her. They

interviewees – a cast

scream and cry when they

of old school and

see her as if she were a

college friends, staff,

rock star. She has been

colleagues and

lauded, admired

At the same time, however,

steady stream of accusations and investigations, from the Whitewater scandal in the 1990s (a controversy about an apparent conflict of interests related to

journalists – keep

and praised to the

a real estate investment) to her

coming back to.

hilt: high office,

husband, former president Bill

No one seems

awards, covers of

Clinton’s affairs, which led to

able to explain

Newsweek and Time

his impeachment trial. And of

it, and, more

magazines. She

importantly, no one

has proved herself

on her formidable staff

to be an incredibly

seemed to know what

effective politician,

to do about it as it became

working intelligently and

increasingly important in her election race against Donald Trump in 2016. For some reason, too many people did not trust her, or quite believe what she said or had faith in her motivations.

Bill and Hillary Clinton at a St. Louis campaign rally in 1992, Bill Clinton's final day of campaigning in St. Louis, Missouri.

course, there was the ongoing question of her emails – official state correspondence during her time as Secretary of State that went through her private home

pragmatically within the system

server rather than the government

to make realistic changes. And she

server, and thus supposedly posed

has consistently fought for decades

a security risk (and a crime). This

for a stable set of clear beliefs, not

apparently insignificant infraction

least women’s rights, civil rights

was repeatedly deployed to derail

and children’s rights.

her campaign. “I’m the most Continued …

SILVER DIGEST // SPRING 2020

PHOTOS: JOSEPH SOHM / SHUTTERSTOCK.COM

people just do not like.

H I L L A R Y C L I N TO N

US Senator Hillary Clinton at Wynn Las Vegas in first CNN Democratic Debate.

“

I’m the most investigated innocent person in America

”

WWW.SILVER DIGEST.CO.ZA

F E AT U R E

investigated innocent person in

proposals, she eventually married

America,” Clinton says at one point

him and followed him to his home

in the documentary.

in Arkansas, far from the heart of

But more interesting than the

the political action and the bright

question of whether she was guilty

future in politics that seemed

of any kind of misconduct over her

her natural path. She practiced

long career is the way in which her

as a lawyer, did well, becoming a

life and so many of the great issues

partner in a prominent law firm,

of the times run parallel or reflect

and chaired various important

each other, particularly the issue

committees and championed

of women’s rights and the ultimate

causes close to her heart. Bill

question of whether a woman

became governor of Arkansas in

could ever occupy the highest

the late 70s, a position he held

office in the US.

consistently but for a small break

The documentary represents

in the early 80s, until he decided

Clinton’s life story as culminating

to run for president in 1992.

in the presidential race of 2016.

(Throughout the 80s, Hillary

It cuts between footage from biography, interspersed with commentary. How did the rest of

earned more than her husband.) President Barack Obama and Democratic nominee Hillary Clinton greet a crowd of thousands gathered on Philadelphia's Independence Mall on the eve of the election, Monday, November 7, 2016.

While supporting Bill’s presidential campaigns, she following an address by a well-

learnt many hard political lessons

known senator, in which she

about balancing her own beliefs

impulsively departed from her

and the demands in politics for

script, but articulately debunked

tactical diplomacy. By this time,

his conservative sentiments

she’d taken Clinton’s surname

and laid out a new generation’s

as her own – initially sticking to

corrective, earning herself a

Rodham until it became a political

where she soon set the tone for

seven-minute standing ovation,

millstone – embraced a more

the rest of her life as an achiever

her first flush of fame and a

groomed personal image, and

and a leader. At university, she

mention in Life magazine.

learnt to watch what she said. (In

her life add up the result of that crucial battle for the presidency? Did it? She was born and raised in the homogenous suburbs of Chicago, a good republican girl,

distinguished herself again, being

She went on to Yale University,

one famous blunder, when asked

involved in student politics and

where she studied law, taking an

about why she continued to work

shifting her sympathies to the

interest in children’s rights. She

when she was a governor’s wife,

democrats. In the mid-60s, she

also met her future husband,

she sharply retorted, “I suppose

did the unthinkable and ran to be

Bill Clinton, there in 1971. She

I could have stayed home and

president of the student council.

immersed herself in politics and

baked cookies and had teas, but

(She lost, coming second. The first

worked on various campaigns,

what I decided to do was to fulfil

thing the boy who won did was ask

and even on the Watergate

my profession.” In the process,

her to do all the work, which she

scandal, laying the foundation for

she alienated a slew of stay-

says she did because the work was

her political career.

at-home mothers and cost her

what she was interested in.) She famously also gave a speech at her graduation in 1969, 16

SILVER DIGEST // SPRING 2020

To everyone’s surprise,

husband precious votes.)

however, after repeatedly

The more recent history –

rebuffing Bill’s marriage

including her husband’s affairs

PHOTOS: MICHAEL CANDELORI / SHUTTERSTOCK.COM, BRAD MCPHERSON / SHUTTERSTOCK.COM

her election campaign to her

H I L L A R Y C L I N TO N

“

I suppose I could have stayed home and baked cookies and had teas...

– is fresher in our memories: Working as a senator in the noughties, running against democratic candidate Barack Obama in 2008, ultimately losing but serving successfully as his Secretary of State, and then the

”

fateful battle against Donald

woman presidential candidate

Trump in 2016 as the first woman

and “that woman”. In other words,

this November. How would the

ever to run for president.

was it not necessary for Hillary

picture look if that 2016 election

Clinton to become “that woman”

had gone differently? Sure, as

the documentary presented an

in order to make it as far as she did

many have pointed out, it is not

occasion for Clinton to reflect

in American politics? Did 40-plus

as if Clinton’s divisiveness or

on her life in a more candid,

years in the political trenches

polarising character would have

human way than the persona

give her the strength to get so far,

evaporated had she won. It would

she presented on the campaign

but simultaneously imparted the

most likely have followed her back

trail. By the end of this four-hour

guarded exterior that ultimately

to the White House and dogged

docu-series, you certainly feel

made her “inauthentic” to voters?

her presidency.

In the aftermath of 2016,

as if you’ve been allowed closer

One key element that perhaps

Americans go to the polls again

But perhaps the point to

to Clinton than before. But there

was lost in the election coverage

remember is that in 2008, in the

is still a sense of something

at the time, but which comes into

race to be democratic candidate

missing – a distance; a failure to

sharp focus in the documentary,

against Barack Obama, and

connect. In fact, that central point

is the misogyny she was subject

eight years later in 2016 as the

to for decades and decades as

democratic candidate herself,

about whether people ever feel they can know her, and

a woman in politics. From

therefore like and trust

men at rallies holding up

her, is perhaps the

banners with slogans

main subject of this

like “iron my shirt”

documentary.

she was there, and she was a real contender. The documentary ends on a hopeful note, showing how many more woman

to the more subtle

politicians in high office there

discriminations,

are now in the US compared to

quote summed up

such as the

when Clinton began her career.

many Americans’

disproportionate

It represents Clinton, if not as

attention the

the smasher of the ultimate glass

One famous

attitude towards her during her 2016

public paid her

campaign. Asked

appearance compared

whether they would

to male politicians (she

vote for a woman to be

estimates spending a total

president, many said yes, they would, just not “that woman”. The great achievement of the documentary is the way it teases out the contradiction at the heart of the distinction between any

of 25 days, 600 hours, during US Presidentelect Donald Trump points to the crowd during his 'Thank You Tour' at LaddPeebles Stadium.

ceiling, then as someone who broke a great many others on her way almost to the top, creating a groundswell in her wake. But the fact remains that in

her presidential campaign just

2020, none of those women was a

having her hair and make-up done)

candidate. No one has caught up.

– the way we deal with gender in

No one can fill her shoes. So far,

contemporary culture has massive

Hillary Rodham Clinton stands

consequences in politics.

alone in her achievement. • WWW.SILVER DIGEST.CO.ZA

Money …

PROTECTING THE VALUE OF YOUR OFFSHORE NEST EGG BY CHRISTO LINEVELDT, INVESTMENT SPECIALIST, CORONATION FUND MANAGERS

nvesting offshore right

more downside risk than ever

need to prioritise the protection

in the Fund do get access

now may seem like a risky

before. At the same time, the

of their capital.

to Coronation’s 21-year

endeavour when stocks are

five-month rally in US equities

Global Capital Plus is

track record of managing

trading at record highs and

out of a bear market slump

globally unique, given that it

global multi-asset class

income investments at record

has raised concerns that stock

is a balanced fund that has

funds. As such, the Fund is

lows. Add a global pandemic in

markets may have moved

dual objectives: delivering a

comfortably positioned in the

the background and the only

too far, too fast to justify their

respectable real return while

top quartile of similar global

thing that seems certain is that

elevated valuations.

keeping a careful eye on

funds that are available to

risk. It gives retirees access

South African investors over

the future is very uncertain. But then again, South

It’s at times like these that diversification becomes even

to asset classes that will

five and ten years, as well as

Africa has its unique

more critical: diversification

outperform cash and inflation

since inception.

emerging market challenges

across asset classes,

over time, with a mandate

and history has shown that

countries, stock markets and

that allows for more than half

global fund, Coronation

offshore exposure is an

currencies. But how do you

of the portfolio to be invested

has built up substantial

important diversifier for

do so without exposing your

in growth assets.

international investment

local investors. Otherwise,

capital to undue risk?

all their wealth is vulnerable

Investors who want

Since launching our first

The investment philosophy

expertise and research

of the Fund is the same as our

capabilities. The global

to currency volatility, an

to incorporate more

medium-risk global balanced

team comprises 22 skilled

economy that is struggling

conservative offshore

fund but is optimised for

investment professionals with

to deliver and, at times,

exposure in their portfolios

risk first. As such, it is

the expertise required to invest

heightened political risk.

while still achieving

invested in growth assets like

in non-South African shares

reasonable real returns of

equities, real assets (such as

across developing, emerging

interest rate environment, cash

In a lower-for-longer

between 2% to 3% in USD

infrastructure and property)

and frontier markets.

effectively yields 0% in the

over time will find this in the

and equity-like fixed interest

developed world. Thus, if you

Coronation Global Capital

income instruments. The

investor, we do proprietary

want to achieve consistent real

Plus Fund.

balance of the portfolio

research on the available

is invested in assets that

investment opportunities

returns in hard currency but

The Fund is actively

As a bottom-up, active

cannot tolerate risk, you need

managed, has a low-risk

offer inflation protection,

across the world. We then

to invest with a fund manager

exposure and is invested across

absolute returns and capital

blend the most promising

who knows how to navigate the

asset classes. While it contains

preservation.

investment opportunities we

risks and opportunities that

some of our best investment

arise in what are undoubtedly extraordinary conditions. Traditionally considered

The Fund is managed to

have identified into resilient

ideas for global growth, it has

preserve the dollar value of

portfolios that are tailored to

been moderated for investors

the fund over rolling 12- to

deliver risk-adjusted returns

with less tolerance for risk,

24-month periods. Bear

that meet our investors’ needs,

low-risk assets, fixed interest

such as retirees who are at the

in mind this target is not

no matter how challenging the

instruments are now exhibiting

stage of their life when they

guaranteed, but investors

global environment may be.•

SILVER DIGEST // SPRING 2020

WE A LT H

YOUR RETIREMENT INVESTMENTS AFTER COVID-19 BY WERNER VLOK, BUSINESS DEVELOPMENT MANAGER AT GLACIER BY SANLAM

nvestors have more control

smart move. Markets are showing

reducing the income taken will give

over their finances than they

signs of recovery and investors feel

your capital time to recover.

think. With the right advice and

more comfortable investing now

Rather than trying to reduce the

solutions, there is much that they

than they did a few months ago. By

income taken, a better option may

can do to improve their current

continually contributing through

be to combine traditional income

– as well as future – situation. In

the ups and downs of the

solutions to include a guaranteed, as

this article, we look at the impact

market, you also get

of COVID-19 on those saving for a

the benefit of rand

secure retirement, as well as how

cost averaging.

those who are currently in the

Not only will

process of retiring are affected, and

you continue

consider some of the ways retirees

building your

can improve their current situation.

capital base and reaping

well as a market-linked, portion. We’ve seen interest rates on bonds increase, making the guaranteed portion more attractive.

ADVICE COULD MAKE ALL THE DIFFERENCE

THE LEAD-UP TO RETIREMENT

the benefits

While we always advocate not

of compound

panicking, we acknowledge that

interest on your

those who are on the verge of – or

savings, but you

in the process of – retiring, have

will also continue to

immediate and valid concerns and

enjoy the tax deductions

combinations thereof, as well as

not enough time before retiring to

offered by an RA. Remember that

rules and legislation pertaining to the

make up the losses they’ve suffered.

your retirement benefit saved in a

investments, can be bewildering to

Our first suggestion would be to

When it comes to retirement income solutions, we acknowledge that the number of different solutions, and

retirement fund is protected from

an investor. We therefore urge you to

delay retirement if you can. If this is

creditors and estate duty is not

speak to a licensed financial adviser

not possible, perhaps your skill-set

payable on the benefit either.

before making any critical financial

allows you to offer a service that will

decisions, especially when it comes

INVESTMENTS AND INCOME AFTER RETIREMENT

to retirement income. Some product

– without putting any of your savings at risk to set up a business that may,

Retirees with a living annuity

not. In some instances, it is possible

or may not, succeed. Doing this

currently have the opportunity

to generate a higher income for

will not only give your capital time

to take advantage of the relief

yourself by combining solutions. Your

to recover, but will also mean that

offered by National Treasury, to

adviser will be able to customise your

you’ll be drawing an income from

end-September. We urge retirees

income stream in retirement to your

your capital for a shorter period of

to remember, though, that an

specific needs.

time. If drawing an income is the

increase in the income taken will

only option, try to keep the income

have an effect on the long-term

adviser to your list of financial non-

for the first couple of years as low as

sustainability of the income as you’ll

negotiables. •

possible to protect capital.

be drawing this higher income from

bring in an income for a while longer

If you have a few years to go until

selections can be reversed, others

Add an annual meeting with your

a lower capital amount. The higher

This article first appeared on

retirement, continuing contributions

income will also potentially attract

www.moneymarketing.co.za

to a retirement annuity (RA) is a

higher tax. However, if at all possible,

on July 10, 2020 WWW.SILVER DIGEST.CO.ZA

MONEY

C O N T E N T PA R T NE R S H I P

COVID-19 CONSUMER RIGHTS INFRINGEMENT – WHAT TO DO? BY INA WILKEN, NON-EXECUTIVE DIRECTOR: FINBOND GROUP LIMITED

part from the gross

a loss of R285bn in revenue and

inconvenience caused by

that between 1,5 to 3 million jobs

COVID-19, the appalling

will be lost, which would lead to

consumer rights infringements

wide-scale poverty and death as a

it brought about have been

result of hunger in an attempt to

staggering, wouldn’t you agree? The

protect citizens against a disease

blame, in my view, cannot be laid

with a mortality rate similar to that

anywhere else but with our current

of seasonal flu!

governing bodies. This sad indictment is not only

Without delving further into the problem, though, we need to

my personal perspective but,

consider what we have to do now.

more importantly, is echoed by the

What is the solution?

many consumers I interact with

I want to suggest a

on a regular basis. This view can

reinforcement of that most primal

be further substantiated by the

protective instinct: that is, make

non-essential, expenses that

finding of the United Nations High

sure you protect yourself and your

you can cut on?

Commissioner for Human Rights,

family’s financial wellbeing in the

Michelle Bachelet, who, on 27 April

best way possible.

2020, denounced 15 countries in

Be sure to set some money

• Look at your grocery list. Are there items that you can replace with more affordable items?

the world for unacceptable human

aside, and if you can invest,

Perhaps consider exchanging

rights violations and a ‘toxic

consider doing so. Times are hard,

your preferred coffee brand

lockdown culture’.

and many jobs have been cut, but

for an alternative, inexpensive

now more than ever, consumers

brand, or cut it out all together?

South Africa was singled out as one of the worst perpetrators

need to become less consumer

(Emma Farge, UN raises alarm about

oriented, and more savings

police brutality in lockdowns (www.

oriented. Seek to save what you can

safeguard what you have. Guard

reuters.com, accessed 8-2-2020)).

of your hard-earned income and

your income and make sure

consume only what you have to.

you only spend what you really

Of the stringent lockdown

It is now time to be frugal and

In many respects, COVID-19 – as

need to. Lastly, remember that

most damaging were most certainly

difficult as it is – has the potential to

we are here for you during this

the extensive economic restrictions

teach us some of the most valuable

challenging time. We would love

on trade for so many businesses,

lessons we could ever learn.

to be of assistance to you and

measurements implemented, the

which resulted in a staggering drop

I know I may be ‘preaching to

help where we can. All of the best

in GDP of over 16.4% between the

the choir’, but allow me to share

for the road ahead, and please

first and second quarter or 2020,

a reminder for us on some very

remember you have a strong and

and a negative annualised growth

basic guidelines when it comes to

secure partner at your service in

rate of -51% (www.mg.co.za/

savings:

these uncertain times. •

business, accessed 9-9-2020).

• Consider whether there are

www.finbondmutualbank.co.za

National Treasury is predicting 20

SILVER DIGEST // SPRING 2020

any monthly discretionary, or

www.finbondlimited.co.za

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Finbond Group Limited is an authorised financial service provider. Terms and conditions apply. WWW.SILVER DIGEST.CO.ZA

MONEY

NEW TAX BILLS – A STEP CLOSER TO RETIREMENT REFORM BY JERRY BOTHA, MANAGING PARTNER & JEAN DU TOIT, HEAD OF TAX TECHNICAL AT TAX CONSULTING SOUTH AFRICA

he draft Taxation Laws

emigration is recognised by the South

of exchange control] for an

Amendment Bill (‘TLAB’)

African Reserve Bank for purposes of

uninterrupted period of three years

was published on 31 July

exchange control”.

or longer” (emphasis added)

2020. As announced in the Budget

In essence, this proviso, which

In other words, reference

Speech, any South African leaving

reads the same for each of these

to the emigration process is

in future will be subject to a much

definitions, permits a person to

substituted with a new test that

stricter process from 1 March

withdraw their retirement benefit

requires a person to prove they

2021 onwards.

upon completion of a process of

have been non-resident for tax

emigration through the South

purposes for an unbroken period

African Reserve Bank.

of at least three years.

But there was also a surprise three-year lockup announcement for anyone with a South African

This new test will apply from

pension fund seeking to leave

PROPOSED AMENDMENT

1 March 2021. How this must

South Africa.

The proposed amendment follows

be proved other than ‘financial

the February Budget Speech,

emigration’ remains unclear at

to come for private pensions

where the government made

this stage.

in South Africa. Anyone with a

its intentions clear to overhaul

proper pension, ideas to move

this process as part of the

date, your retirement benefits will

abroad or just not trusting

modernisation of our exchange

be locked in South Africa for at

government’s plans with their

control system, as stated in

least three years. The proposed

pension money needs to ‘read

Annexure C to the Budget Review:

amendment signals a big policy

This appears a sign of things

the room’ and make careful decisions.

“As a result of the exchange control

Practically, after the effective

shift from a fiscal perspective, but

announcements in Annexure E, the

this is one piece to a bigger puzzle

concept of emigration as recognised

that should have those who seek

CURRENT POSITION UNDER LAW

by the Reserve Bank will be phased

to emigrate on high alert.

Under the current dispensation,

individuals to withdraw these funds

THE BIGGER PICTURE

the definitions of ‘pension

be reviewed.”

The ANC’s 2019 Election

preservation fund’, ‘provident

out. It is proposed that the trigger for

The TLAB, specifically

Manifesto expressly states that

preservation fund’ and

paragraphs (h), (k) and (m)

the party will “investigate the

‘retirement annuity fund’ in

of section 2(1), gives effect to

introduction of prescribed assets on

section 1 of the Income Tax Act

this decision, by amending the

financial institutions’ funds to unlock

No. 58 of 1962 (‘the Act’) contain

proviso to the aforementioned

resources for investments in social

a proviso that entitles a person

definitions in section 1 as follows:

and economic development”.

to withdraw their retirement benefits before retirement age.

“is a person who is [or was] not a

The discussion on ‘prescribed

resident [who emigrated from the

assets’ has also been mentioned

This applies where that

Republic and that emigration is

by President Cyril Ramaphosa

person “is or was a resident who

recognised by the South African

and it effectively involves

emigrated from the Republic and that

Reserve Bank for purposes

compelling retirement funds to

SILVER DIGEST // SPRING 2020

WEALTH

assets or invest directly in

WHAT DOES THIS MEAN FOR YOUR RETIREMENT FUND?

government infrastructure

The amendment may be argued as

projects.

only a draft proposal written into

retirement savings, the

law, or a simple by-product of a shift

opportunity will soon be over

to push this initiative was

in exchange control policy; but do

to make the best possible

confirmed in the ANC Economic

you risk your retirement life savings

investment decisions – soon

Transformation Committee’s

on assumptions of government’s

some will go towards cheaper

discussion document, published

good intentions?

invest in government-backed

The government’s intent

on 8 July 2020 and which

This change forces the following

their South African approved retirement savings? • Where you have large

access to finance. • South Africans looking to leave

states: “Changes should be made

categories into immediately making

in the next couple of years will

to Regulation 28 under the Pension

some tough decisions on their

benefit from at least expediting

Funds Act to enable cheaper access to

retirement. Even leaving your

their process on retirement

finance for development.”

status quo means you have decided

savings, seeing as they are

to subject yourself to a three-year

locked in for three years.

This is critical because Regulation 28 under the Pension

lock-up – retirement funding

Funds Act No. 24 of 1956 is

investments being subject to a

already left, but who have not

the main hurdle that prevents

‘new’ Regulation 28 which services

yet done financial emigration,

government from imposing the

“cheaper access to finance” as opposed

should consider doing this

prescribed assets policy, as it

to maximising your retirement.

within the next six months

requires funds to act in the best interest of its members. It would be very difficult to

• South Africans who have

before the window closes.

WHO ARE MOST IMPACTED?

• Those who have already

Our daily interaction with

financially emigrated, but left

reconcile the prescribed assets

employers, executives and

investments behind, should

policy with Regulation 28 in its

expatriates indicate that the

current form, especially where it

following categories should give this

means investing in State-Owned

careful consideration:

or other foreign beneficiaries,

Enterprises such as SAA, Eskom

• Does it remain prudent for South

should relook at their

reconsider their position. • South Africans with children,

and the SABC. This appears to

African executives to keep taking

investments to align with this

explain the move to amend it.

a tax break and maximising

new landscape. • WWW.SILVER DIGEST.CO.ZA

MONEY

A D V E R TO R I A L

BENEFITS OF BLENDING Solving the life versus living annuity debate

f you invested your retirement

risk spectrum between needs and

to a lifetime income portfolio within

capital in a living annuity, you are

wants, as blended solutions allow

a living annuity investment vehicle,

able to change your ‘drawdown

them to decide how much of their

which operates the same as a with-

rate’ annually on the anniversary

living annuity portfolio should

profit annuity. If the couple allocate

of your policy. This is the rate at

be allocated to the guaranteed

which you draw down from your

component, and how much

investment to give yourself an

should be invested in the

income for the next twelve months.

market,” says Just SA

With the cost of living constantly

CEO Deane Moore.

50% to the lifetime income portfolio, at a 4% drawdown rate, they can secure an income of R22 500 of which R12 500 is provided

increasing, it is very tempting to

“This gives them

by the lifetime

increase your drawdown rate when

full discretion to

income portfolio.

your anniversary rolls around.

increase their long-

However, this can be very detrimental

term capital growth

to your overall financial wellbeing.

to meet flexible

In practical terms, an increase

financial needs or

of just one percent, say from 6.5%

to leave a legacy to

of your capital to 7.5%, could

beneficiaries.”

significantly threaten your ability to have a sustainable income for life.

In this way, the couple has retained some flexibility, improved the sustainability of their retirement income, and

A PRACTICAL EXAMPLE A financially astute couple, a

mitigated both longevity and investment risk.

SUSTAINABLE PENSIONS

65-year-old male and a 61-year-old

However, if you really do need to

female, have R6m in retirement

increase your monthly income, there

savings. They calculate that they

GRAPPLING WITH THE ANNUITY DEBATE

are new options in the retirement

need a retirement income of R20 000

At retirement, investors must grapple

income space that allow for a higher

per month, being around 65% of

with choosing which annuity is best

income with less risk to your long-

their final pre-retirement household

for them, even if annuity options

term financial security.

salary, to live comfortably in their

are pre-selected by the trustees of

golden years. This equates to a

a retirement fund. Once the choice

drawdown rate of 4% per annum.

is made, current regulations do not

Retirement income specialist Just SA developed a new-generation, with-profit life annuity that could

The other option is for the couple

allow living annuities to be split after

enable you to increase your monthly

to secure a with-profit life annuity,

retirement. There is, however, the

income by up to 25% on purchase.

giving them an initial R25 000 per

option to transfer a living annuity to a

In return for the higher income, you

month (a rate of 5% in normal market

provider who offers a blended annuity

would need to forego the flexibility

conditions) that is guaranteed for

with a lifetime income portfolio.

of changing your drawdown rate

life, with 100% of the income payable

each year.

while either one is alive. The monthly

good choice for pensioners looking

If you value flexibility, consider a

A blended annuity may serve as a

income never decreases, and the

to balance a guaranteed sustainable

hybrid or blended annuity that offers

couple is eligible for annual increases

income with flexibility. It is also not

a combination of a living annuity and

on this income, which can never

an all-or-nothing decision as it is

a life annuity.

be less than zero. This offers good

possible to increase the allocation to

protection against inflation.

the lifetime income portfolio at a later

“By purchasing a blended annuity, pensioners can choose where they want to position themselves on the 24

SILVER DIGEST // SPRING 2020

A blended annuity will allow them to allocate a portion of their capital

stage without splitting the annuity, in line with regulations. •

WE A LT H

NEVER UNDERESTIMATE THE IMPORTANCE OF A VALID, LEGALLY COMPLIANT WILL

iven the importance of a

law accepts a handwritten will,

will as an heir or beneficiary, nor

provided it is properly signed

should he or she be nominated as

by the testator and at least two

the executor of the will. Having a

witnesses, a lack of professional

witness who is also a heir may not

guidance when setting out

automatically invalidate the will,

such a document could lead to

but it will mean that the person

confusion regarding your wishes.

in question will never be able to

And even if those wishes would

inherit more than he or she would

make perfect sense to you,

have inherited if the deceased had

there’s a chance that effecting

passed away intestate (without a

them may be made more difficult

will). This makes the execution of

by legalities and practicalities of

the will very complicated and could

which you may not be aware.

have a significant negative impact

The bottom line is that a handwritten will, or any other will, which fails to comply with

BY CHANEL KEMPFF, CLIENT VALUE PROPOSITION HEAD, FNB FIDUCIARY ADVICE

on the inheritance of the heir who signed as a witness. A final aspect of drawing up

the Wills Act for whatever reason,

a valid will, that should be very

could mean that the beneficiaries

carefully considered, is the fact

have to apply to court to have

that digital signatures of these

it declared valid. Avoiding the

documents are still not considered

considerable costs, delays and

legally compliant. Wills are

frustrations that this process

excluded from the provisions of

might cause your heirs, should

the Electronic Communications

be more than enough reason to

and Transactions Act, which

is put into action on your death,

ensure the document is executed

means that the testator is still

without undue delays, unexpected

properly and professionally.

required to physically sign every

will as a key component of any estate plan, it’s worth

the relatively minor investment of time and money to ensure that you get it 100% right. After all, your will plays a fundamental role in ensuring that your estate plan

costs or negative impacts on those you care about. Interestingly, very few people

Another important consideration when drawing up

page of the document. Ultimately, the best thing you

your will is who should sign as

can do for your loved ones is to

realise that their will can in fact

witnesses. A legally valid will has

ensure that the legacy you leave to

be declared invalid, or that their

to be signed by the testator (the

them is accessible, uncomplicated

beneficiaries could face lengthy

person drawing up the will) and

and without frustrations,

court battles if the document isn’t

two competent witnesses. The law

challenges and delays. While a will

legally compliant.

defines a competent witness as

doesn’t automatically guarantee

a person who is at least 14 years

that the process of distributing

considerations that, if not given the

old and able to give evidence in

your estate will be smooth sailing,

necessary attention, could see your

a court of law. In addition, the

having a well-drafted, valid will in

will being contested or declared

witnesses (or their spouses)

place significantly increases the

invalid in court after you pass away.

should not be mentioned in the

likelihood that will be the case.

There are a few minimum

The first such consideration is

With that in mind, it’s worth

to try to avoid having a handwritten

enlisting the services of a fiduciary

will. While it’s understood that,

specialist to revisit your will or

sometimes due to unavoidable

help you to draw up a new one

consequences, this type of do-it-

that is valid and ensures that your

yourself will is the only option,

loved ones are certain to be cared

it can also present significant

for in the way you desire. •

risks that your wishes are not carried out. Whilst South African

This article first appeared on www. moneymarketing.co.za on August 26, 2020

WWW.SILVER DIGEST.CO.ZA

Health …

HORMONE REPLACEMENT THERAPY: IS IT FOR YOU? There are various treatment options to combat specific symptoms of menopause and improve your quality of life.

ormone replacement therapy (HRT) is medication that replaces

the female hormone oestrogen, which your body stops making during menopause. It’s most often used to treat common menopausal symptoms, such as hot flushes and vaginal discomfort. However, not everyone needs HRT in order to cope with menopause. According to Dr Natalia Novikova, a gynaecologist at Mediclinic Cape

are experiencing are related to

can interfere with the quality of

Town, menopause treatment

menopause and not caused by any

life and daily activities. “The best

may simply consist of adopting

illnesses.”

treatment for hot flushes is the

a healthy lifestyle through the

Dietary changes suggested

supplementation of oestrogen

reduction of stress factors, the

for reduction of menopausal

in the form of HRT,” Dr Novikova

practice of mindfulness, avoiding

symptoms include avoiding

says. If you still have your uterus,

smoking, limiting alcohol

processed food, refined sugars, red

oestrogen and progesterone will

(particularly avoiding red wine)

meat, and increasing your intake

be prescribed together. If you

and exercising regularly. “These

of fibre, complex carbohydrates

don’t have a uterus, you can take

are very important and work well

and vegetables. “Supplementation

oestrogen alone.

in preventing and diminishing

with essential fatty acids, vitamin

menopausal symptoms,” she says.

E, selenium and Vitamin C for hot

Don’t take it if you’ve ever had

“Aside from menopause

HRT isn’t for everyone, however.

flushes, calcium, vitamin D and

breast cancer, uterine cancer,

treatment, it’s important to

magnesium for bone health, and

blood clots, liver disease, or a

have regular general check-

vitamin B for dry skin and hair can

stroke. “There are other ways of

ups, including blood sugar,

also help.”

treating hot flushes for women who

blood pressure, cholesterol,

Hot flushes are usually caused

cannot take hormonal treatment,

mammogram, bone density, and

by fluctuation of oestrogen levels.

but unfortunately, they’re

cervical (pap) smear,” Dr Novikova

Some women experience none

not as effective as oestrogen

adds. “This will enable your doctor

at all, others may have a few, and

supplementation,”

to ensure the symptoms you

some get intense hot flushes that

SILVER DIGEST // SPRING 2020

Continued …

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H E A LT H

Dr Novikova explains. These include antidepressant medication or medication usually used to treat high blood pressure. Dietary changes may be helpful for some women. “Mood changes and sleep disturbances are also caused by changes in levels of hormones and the above-mentioned treatment for hot flushes will also work for

VITAMINS C, D, AND OTHER NUTRIENTS VITAL TO COUNTER COVID-19 Vitamins C, D, omega 3 fatty acids, zinc, iron and selenium may be essential for immunity – a vital weapon in the fight against COVID-19 – and deficiency of these may make it difficult for the immune system to defend the body, a new study has found.

comes in pill, skin patch, ring,

gel, cream or spray form and

to help protect against viral illness such as

help prevent the immune system from

typically contains a higher dose

respiratory tract infections – a common

becoming dangerously overactive and

of oestrogen that is absorbed

feature of COVID-19.

protect COVID-19 patients against

mood swings.” There are two main types of oestrogen therapy: • Systemic hormone therapy

throughout the body. • Low-dose vaginal preparations

he US research has found that

vitamin C to intensive-care COVID-19

supplementing with vitamins C, D,

patients with lung damage reduced the

omega 3 fatty acids, zinc, iron and

selenium are important for immunity and

Pharmacist and health expert Giulia Criscuolo says nutrient deficiencies open

risk of death by about 20% • A US study shows that vitamin D may

complications and death • A Japanese study shows that vitamin D

of oestrogen come in cream,

the door to viruses and endanger high-

supplementation may cut flu risk by

tablet or ring form and

risk individuals.

up to 42%, while UK research shows

minimise the amount of

Focussing on vitamins C and D, US

that it may cut the risk of respiratory

oestrogen absorbed by the

researcher Prof Adrian Gombart said

body. These are usually used

studies are “revealing and characterising

to treat the vaginal and urinary

new pathways regulated by vitamin D

may be as important as vitamin C for

symptoms of menopause.

and its receptor that may be essential

strengthening the immune system to

for optimal immune function. Vitamin

fight flu and pneumonia

Osteoporosis or thinning of

C is also involved in the production of

infection by half • Studies also show that vitamin D

• US research has shown vitamin D’s

bones is related to low oestrogen

antibodies, without which the body cannot

positive impact on immunity, including

levels, and the rate increases once

keep COVID-19 in check.”

a study that found it to be a powerful

you get to menopause. “Taking

Fellow researcher Isabelle Schiffer said

immunoregulator

calcium and doing weight-bearing

high doses of vitamin C are being used

exercises can help prevent

to treat COVID-19 patients, adding “…

of Health confirms vitamin C’s role

osteoporosis,” says Dr Navikova.

naturopathy cannot replace conventional

in supporting immunity and aiding

“Vaginal dryness, pain during

medicine, but can complement it”.

recovery from illness.

sexual intercourse and frequent

• Research by the US National Institute

Chairperson of the Health Products

urinary and vaginal infection due

Association of Southern Africa (HPA),

Ascencao says that in addition to

to thinning of vaginal skin are all

Maria Ascencao, said scores of studies

recommendations by the World Health

caused by low oestrogen levels.

backed the benefits of vitamin C and D on

Organisation to wash hands regularly

Treatment includes the use of

immunity, notably:

and to practice social distancing,

lubrication during intercourse

• A Chinese study of 50 ‘mid-serious’

eating healthily, taking high-quality

and the vaginal use of oestrogen

COVID-19 patients found that no patients

supplements, getting enough sleep,

cream.” •

who were treated with high doses of

regular exercise and managing stress are

vitamin C were reported to have died

important for good health. •

This article first appeared on www.mediclinicinfohub.co.za on August 4, 2020

SILVER DIGEST // SPRING 2020

• A study published in the scientific journal JAMA shows that administering

This article first appeared in the August 2020 issue of Pharmacy Magazine

H E A LT H

LIFE-CHANGING HEALTH BENEFITS OF CBD FOR SENIORS According to a recent survey, 51 percent of seniors have used CBD and have experienced immense health benefits when using it for various health issues.

t is not surprising that CBD

chance of it becoming addictive,

has proven effective for many

unlike other pain relievers.

health issues. According to

studies, there are psychoactive and non-psychoactive components of CBD. The psychoactive part

HELPS WITH DEMENTIA AND ALZHEIMER’S DISEASE

comes with a plethora of physical,

One of the ailments common to

medical and therapeutic health

seniors is dementia and Alzheimer’s

benefits. Marijuana is now legal

disease. This happens due to the

boosting metabolism. This helps

in several countries around the

degeneration of the brain, which

deal with excess fat, hence keeping

world. With this, many companies

consequently triggers various

seniors in optimum health.

manufacture various CBD products

mental diseases. Interestingly,

that take care of different health

CBD provides tremendous health

issues. There are CBD edibles,

benefits for the brain.

vapes, oils, creams and products (even for animals). Below are seven benefits on how CBD can help seniors:

When some psychological

Also, CBD is a potent tool in

A TOOL AGAINST ANXIETY AND DEPRESSION

Anxiety and depression are also

changes occur in the brain, it leads

pretty common in seniors. Sadly,

to debilitating mental health issues.

they cannot use conventional pills

Neuroprotective agents in CBD

as the side effects are usually too

can help fix neuroinflammation,

pronounced for their age. Yet, leaving

PAIN RELIEF

neurodegeneration, and oxidative

the condition untreated significantly

Old age and pain go hand in

damage, which precedes dementia

reduces the quality of life.

hand. There are various forms of pain, from arthritis, strains,

and Alzheimer’s disease. Upon taking CBD, it interacts

CBD is a perfect solution that helps deal with this. While CBD does

muscle ache, etc. Luckily, CBD

with CB1 and CB2 receptors,

not make people high, it can bring

can help manage multiple forms

stopping the development of these

a sense of euphoria, altering the

of pain, especially chronic and

neurological issues.

brain’s response to anxiety. This

cardiovascular. Every cell in the body has CB1 and CB2 receptors. CBD works on both receptors in the cell

balances the chemical levels in the

IT BOOSTS APPETITE As people grow older, the

amount of food they eat reduces.

brain, triggering happy feelings.

IT IMPROVES BONE HEALTH Another common issue with

to produce healthy body cells.

Their environment and, at times,

The result of this is reduced

circumstances contribute to this.

inflammation and swelling – the

In time, they lose their appetite

condition in which seniors have

root cause of muscle and joint pain.

altogether, yet a regular meal is

fragile bones because they lack

old age is osteoporosis. This is a

necessary for a healthy body. With

essential minerals. It can trigger

is that it is natural and triggers

CBD, they can improve appetite and

pain, inflammation, and sadly make

no side effects. There’s also little

make eating enjoyable.

them prone to fractures.

An advantage of CBD for seniors

WWW.SILVER DIGEST.CO.ZA

Continued …

H E A LT H producing a calming effect, making

infused eye drops and, in the later

and support your bones as well as

With CBD, you can strengthen

it easy to fall asleep and maintain a

stage of glaucoma, the reduction of

its regeneration. This also reduces

good rest.

IOP is extremely beneficial. In the end,

the risk of bone fracture in seniors.

Worry causes the mind to be

CBD treatment will come in handy.

If seniors use CBD regularly, they

excessively filled with thoughts. CBD

can enjoy a better quality of life with

brings about a calming effect, which

CONCLUSION

little pain.

helps do away with the concern and

CBD is safe, effective, and potent for

enjoy a good night’s sleep.

seniors. It doesn’t have extreme side

IT IMPROVES SLEEP Another issue most seniors

complain of is sleep disorders. This could involve difficulty falling asleep

effects and can be very beneficial

IT HELPS WITH GLAUCOMA

when administered appropriately.

Many seniors also have problems

There are many forms of CBD like

with glaucoma, a condition where

oil, edibles, gummies and balm. As a

and enjoying a good night’s sleep.

increased eye pressure causes

result, people will be able to take it in

This can cause a reduced quality of

gradual loss of vision. There are

whatever form suits them.

life, especially when they feel tired

many studies that reveal how potent

and weak all day. CBD can manage

CBD is in helping with glaucoma.

various sleep issues like insomnia. One of the causes of sleep

When seniors take CBD, it lowers the intraocular pressure (IOP) in

disorder is anxiety or pain. CBD

the eye, which results in better eye

addresses the root cause by

conditions. In fact, there are CBD-

Indeed, CBD is a ticket for seniors to enjoy a good life without being a burden to themselves and/or their families. • This article first appeared on www.medicalacademic. co.za on 25 August 2020

REGAIN YOUR INDEPENDENCE IN STYLE AND COMFORT

quipped with dual motors,

Whisper-quiet motors by Dewert

the Milano Riser Recliner

Okin ensure peace of mind and

offers an infinite number

long-term reliability.

of seating positions. It also allows

The easy-to-use four-button

the user to independently adjust

handset allows the user to elevate

the footrest and backrest into

themselves into an upright

the position he or she finds most

position, allowing one to keep

comfortable, which is not possible

moving with minimal assistance.

on the more common single-motor

It is ideal for those who want to

models. For ultimate relaxation,

boost their confidence in both

and possibly a snooze, the chair

balance and strength. When it’s

can be reclined into an almost

time to wind down, the Milano lift

horizontal position.

chair will effortlessly lower you to a

The Milano Riser Recliner takes Primacare’s range to a

seated position. This stylish and elegant piece

whole new level. It features a

of furniture is designed to elevate

luxurious waterproof tech fabric,

the aesthetics of one’s home, while

eight vibrations massage, heating

providing better support and

function, and also a convenient

pressure relief to the thighs and

USB port for charging your phone!

lower back of its user. •

SILVER DIGEST // SPRING 2020

H E A LT H

S O C I A L I S O L AT I O N AND YOUR MENTAL HEALTH Loneliness is linked to a number of negative health outcomes. Here’s how to counteract the downsides of staying physically distant from loved ones during the pandemic.

hysical distancing and self-isolation are crucial parts of the plan to reduce

the spread of coronavirus. Keep in mind however, that being separated from friends, colleagues and extended family members can have a negative effect on your psychological health. As Ronel Groenewald, a counselling psychologist at Mediclinic Kimberley explains, “Humans are psychologically and biologically ‘programmed’ to crave social networks. When social interactions – no matter

CLICK TO DOWNLOAD ZOOM Ironically, during this time of

to feel empathy for others.

how casual – are severely

uncertainty and crisis, we’re unable

curtailed, it’s not surprising that

to reach out for physical support.

develop and maintain a good

mental health suffers.”

“It’s natural to want to hug and hold

physical exercise regime,”

loved ones during times like these.

Groenewald says. “Working out

Public Health Alliance, anxiety,

Not being able to give or receive this

boosts your serotonin levels and

apathy and loneliness are

type of support can be detrimental to

you can do it at home if necessary.

some of the mental health

your mental health and exacerbate

Starting a meditation routine or

consequences that will persist

feelings of isolation and loneliness,”

mindfulness practice can also help

long after the pandemic ends.

Groenewald cautions. “Make every

reduce stress and improve feelings

In addition, increased feelings

effort to stay in touch with your

of positivity and gratitude.”

of depression and stress may

family, friends and community using

increase people’s vulnerability

digital technology [such as Zoom or

maintaining your normal

to poor health. “Social isolation

Skype], making a video call or simply

social routine online as much

should not become the norm,”

picking up the phone.”

as possible provides social

According to the European

says Groenewald. “In fact, we

What you say when you’re

“This is also a good time to

Groenewald adds that

connectivity. “It also promotes

should rather talk about physical

connecting with others is also key.

a feeling of togetherness, which

distancing because even if you’re

Talking about your feelings of anxiety

good for mental health at a time

not physically engaging with other

and stress can help you feel less

when you can’t be in physical

people, there are ways to maintain

alone. On the other hand, offering

contact with others.”

a safe distance while remaining an

a listening ear to someone who is

active member of society.”

struggling can strengthen your ability

This article first appeared on www.mediclinicinfohub.co.za on August 4, 2020

WWW.SILVER DIGEST.CO.ZA

H E A LT H

THE ROLE OF

nerves healthy. While older adults

SUPPLEMENTS AS WE AGE

other adults, some have trouble absorbing the vitamin naturally found in food. However, it’s also important for patients to understand the potential

Eating a healthy balanced diet is the best way to get the nutrients the body needs. However, when patients don’t get enough vitamins and minerals from their daily diet, their doctor may recommend a supplement.

need just as much vitamin B12 as

safety risks of supplements. According to the NIH, some supplements: • contain active ingredients that can have strong effects in the body • can increase the risk

ills, capsules, powders, gel

certain birth defects; and omega-3

tabs, extracts, liquids…

fatty acids from fish oils might help

supplements are a

some people with heart disease.”

multimillion-rand industry. For

We have different nutritional

of bleeding • if taken before or after surgery, can affect the person’s response to anaesthesia

patients who don’t eat a nutritious

needs throughout our lives and

variety of foods, some supplements

most older adults take some

prescription drugs in ways

might help them get adequate

kind of over-the-counter dietary

that might cause problems,

amounts of essential nutrients.

supplement. Patients over age 50

for example: St John’s wort

Nevertheless, supplements can’t

may need more of certain vitamins

can speed the breakdown

take the place of the variety of foods

and minerals than younger adults

of many drugs (including

that are important to a healthy diet.

do. If they aren’t able to get these

antidepressants and birth

through their diet, their doctor may

control pills) and thereby reduce

substitute for a balanced, healthful

recommend they take a vitamin or

these drugs’ effectiveness;

diet,” said Dr JoAnn Manson,

mineral supplement.

antioxidant supplements, like

“Supplements are never a

a professor of medicine

According to the National

• can also interact with certain

vitamins C and E, might reduce

at Harvard Medical School.

Institute on Aging, the most

the effectiveness of some types

“And they can be a distraction

common of these include:

of cancer chemotherapy.

from healthy lifestyle

• Calcium: Calcium works with

practices that confer much

vitamin D to keep bones strong

Before recommending

greater benefits.” According

at all ages. Bone loss can lead to

supplements, or dispensing

to the National Institutes of

fractures in both older women

medications, always check to

and men.

see what other medications your

Health (NIH) Office of Dietary Supplements, “Scientific

• Vitamin D: Most people’s bodies

patient is on and warn patients

evidence shows that some

make enough vitamin D if they

against taking dietary supplements

dietary supplements are

are in the sun for 15-30 minutes

to treat a health condition

beneficial for overall health

at least twice a week. Older

they’ve diagnosed themselves

and for managing some health

patients may not be able to get

without consulting a healthcare

conditions. For example,

enough vitamin D that way.

professional. Also, check whether

calcium and vitamin D are important for keeping bones strong and reducing bone loss; folic acid decreases the risk of 32

SILVER DIGEST // SPRING 2020

• Vitamin B6: This vitamin is needed to form red blood cells.

they are scheduled to have any surgical procedures. •

• Vitamin B12: Vitamin B12 helps keep red blood cells and

This article first appeared on www. medicalacademic.co.za on December 17, 2019

H E A LT H

Most of us appreciate springtime for its warmer temperatures and beautiful flowers. For many South Africans, however, spring spells hay fever season and a time of exasperating runny noses, red eyes and an itchy throat.

Hay fever SEASON IS HERE! W

orldwide, hay fever

— affecting work and school

toys, carpets and curtains. Other

is estimated to affect

performance,” he adds.

common allergens include animal

between 10% and 30%

“We therefore recommend

dander, which are tiny flecks of

of the population. Hay fever, or

that more serious cases are not

skin shed by animals such as cats,

allergic rhinitis, is caused by an

left untreated and should be

dogs, birds and other animals; and

allergic reaction to irritants in

managed in consultation with a

fungal spores or moulds, which

the air. While some people suffer

family doctor, ENT specialist or

may grow in, for example, a damp

from the condition all year round,

paediatrician.”

bathroom cupboard.

meaning that it occurs during

WHAT CAUSES HAY FEVER?

WHAT DOES IT LOOK LIKE?

specific seasons, says Dr Phillip

Dr Coetzee explains that hay

Dr Coetzee says with perennial hay

Coetzee, a paediatrician who

fever is an allergic reaction in

fever the predominant symptoms

practices at Netcare Blaauwberg

individuals, who react to certain

include postnasal drip, persistent

Hospital in Cape Town.

airborne ‘triggers’ or allergens.

nasal congestion and trouble

The risk of developing hay fever is

sleeping.

many experience seasonal rhinitis,

“Hay fever — which results

The common signs and

in the inflammation of the

much higher in people with asthma

nasal passages and a variety of

or eczema, and in those with a

symptoms of seasonal allergic

annoying symptoms, such as the

family history of allergy.

rhinitis include the following:

characteristic stuffy or runny

Seasonal hay fever is usually

• Nose – watery nasal discharge,

nose — is a very common condition

caused by pollens from trees,

blocked nasal passages,

affecting approximately one in five

grasses and weeds. As pollen

sneezing, nasal itching, and

adults and one in three children.

counts from plants are much

postnasal drip with cough, loss

The condition can commence at

higher in spring and summer,

any age, even from as young as one

many more South Africans tend

month,” advises Dr Coetzee.

to seek medical assistance for hay

and dark circles under the eyes,

fever at this time of the year.

which are sometimes called

“While hay fever does not pose

of taste, facial pressure, or pain • Eyes – itchy red eyes, swelling,

‘allergic shiners’

a serious threat to the person’s

Those people who suffer all year

health, in more serious cases it

round (perennial hay fever), on the

can be debilitating and negatively

other hand, tend to have triggers

hoarse voice, congestion or

impact their quality of life —

such as cockroaches, or dust mites,

popping of the ears, itching of

particularly in children, who often

which are tiny creatures that may

the throat or ears

have more severe symptoms

live in mattresses, pillows, soft

• Throat and ears – sore throat,

Continued …

WWW.SILVER DIGEST.CO.ZA

H E A LT H

• Sleep – breathing through mouth, frequent awakening,

steroid nasal spray. Antihistamines relieve the

daytime fatigue, night time

itching, sneezing and runny nose,

or early morning coughing.

but they do not relieve nasal

Children will often snore and

congestion. Keep in mind that older

can especially struggle with

generation sedating antihistamines

attention and concentration.

are best avoided before driving and should not be used in children.

MANAGING THE CONDITION

Antihistamine eye drops can

“In the first place, one can work

relieve itching or irritation of the

to avoid one’s specific allergic

eyes.

triggers. Fortunately The Allergy

Decongestants in oral or nasal

and Immunology Research Unit is

spray form should not be used for

now providing accurate national

more than a few days at a time,

pollen and mould monitoring

because of the risk of rebound nasal

within various South African cities.

congestion, and are discouraged in

This can enable one to take the

the treatment of hay fever.

necessary proactive precautions,

Leukotriene modifiers are

OTIS MEDICAL ASSIST CHAIR

o you or someone close to you suffer from arthritis or some other affliction related

to the musculoskeletal system? Do

such as limiting outdoor activities

drugs that block the actions of

at times of high pollen count and

leukotrienes, or molecules that

you or someone you love struggle to

using medications.”

cause inflammation, and can be

walk, or to stand up? These illnesses

very useful in people with both

are extremely painful and thousands

asthma and allergic rhinitis.

of people can’t afford the necessary

Your doctor may suggest allergy testing if your symptoms are not well controlled with medications,

“Allergen immunotherapy,

equipment and treatment that can

or if it is not clear what is causing

which can be very successfully

help alleviate their pain or improve

your symptoms. This may include a

used to resolve allergic problems

their condition. Most people have no

skin prick or blood test.

such as hay fever in some

choice but to live with this pain, which

Dr Coetzee says the following

individuals, involves trying to alter

only gets worse over time.

treatments are available to assist in

the way a person’s immune system

the management of hay fever:

reacts to allergens. The most

helplessly stand by and watch a loved

For family members that have to

common form of immunotherapy

one go through this, the experience

are the first line of treatment.

is regular injections. Whether you

is heart-breaking, especially if

They have few side effects and

are a candidate for immunotherapy

the patient is a parent or another

dramatically relieve symptoms in

depends on your history, as well as

immediate family member who

most people. If your nose is crusted

what you are allergic to,” concludes

suffers for years before they pass

or contains mucus, you can first

Dr Coetzee. •

away. But now, there is an affordable

Steroid (cortisone) nasal sprays

solution that can help alleviate the

clean it with saline (salt water) nasal irrigation before using the

This article first appeared on www.medicalacademic.co.za on 15 October 2019

pain, promote exercise and aid rehabilitation of these patients – the OTIS Medical Assist Chair. The chair helps lift a patient from a seated to a standing position, thus allowing for freedom of mobility and independence. OTIS Medical Assist Chair, the best gift you can give a struggling loved one. •

SILVER DIGEST // SPRING 2020

Leisure …

REMARKABLE GARDENS OF SOUTH AFRICA

his extract from Remarkable Gardens of South Africa by Nini Bairnsfather Cloete and Craig Fraser, courtesy of Quivertree, features one

of the 20 magical private gardens included in this sumptuous historical and horticultural feast of a book. We selected a walk through the garden of Una van der Spuy, the undisputed doyenne of gardening in South Africa going back to 2012, the year she turned 100. A legend in her own lifetime, the author of 11 books about gardening and the recipient of numerous awards and accolades, Una’s garden, Old Nectar is, in her words, “rather like circling the globe, for the plants in it come from the ends of the earth − China, Japan, Australia, New Zealand, North and South America and Europe”.

[When Una van der Spuy]

homestead of Old Nectar in that

[it] coincided with the chilly

year. Standing on just 12 acres

months of the Cape winter of

of steep ground and facing the

2012. Hers is a spirit that always

glorious Jonkershoek mountain,

manages to overcome whatever

it was a charming property, but no

difficulties are presented to her.

sooner had he taken transfer of it

And in the early days of Old Nectar,

than he had to be off on military

there was most definitely adversity

assignments as the Second

aplenty.

World War was still raging. He

Una says, “It all began in 1941,”

SILVER DIGEST // SPRING 2020

somewhat dilapidated Cape Dutch

celebrated her centenary birthday,

was away for almost five years,

and goes on to explain how her

appearing only now and again

husband, Major-General Kenneth

for a few days at a time. Una and

van der Spuy, acquired the then

her two small sons were on their

B O O K E X T R A C T & G I V E AWAY

own. She says, “The house was

seven different gardens that have

without bathrooms, and worse

evolved under Una’s creative care.

still, without electricity.” Within

These provide a perfect setting

six months Una had remedied

full of delightful surprises for the

the bathroom situation, but the

beautiful old house that gazes out

electricity was to take five long

towards the vista of the mountain,

years to be installed.

with tubs spilling over with ‘My

Una says her gardening

Granny’ roses placed on the stoep,

knowledge at that time was nil and

and erigeron daisies softening the

it is difficult to imagine how she

steep steps down to the lawn.

managed, not just with the house

Una believes that the form of

and all that needed to be done,

trees is of great importance and

but with the start of the garden.

has therefore planted far more

She says she “knew nobody

deciduous trees than evergreen

[and] had no-one to turn to for

ones. In winter, when they are

advice but realised some sort of

bare of leaves, they stand out like

garden had to be started” on the

large pieces of sculpture. She

steeply sloping property. Heavy

says, “A walk through the garden

machinery was a thing of the

is rather like circling the globe

future – muscle power, pickaxes

for the plants in it come from

and wheelbarrows were the order

the ends of the earth – China,

of the day and what today would

Japan, Australia, New Zealand,

take a few days, took three months.

North and South America and

Nevertheless, terraces were

Europe.” Among the trees here are

created and a lawn laid down in

copper beeches (Fagus sylvatica

front of the house. “I decided the

purpurea), Japanese maples (Acer

front gable was so beautiful that

palmatum), Australian frangipanis

I must not have a path running

(Hymenosporum flavum),

from the steps,” says Una, “it must

American maples (Acer negundo

be plain lawn, so I made a ‘side

‘Variegatum’), silver birches

main path’.” Thus, a plain sweep

(Betula pendula) and Californian

of emerald lawn it is, stretching

redwoods (Sequoia sempervirens),

across the whole area in front of

to name just a few.

the house – and the gable of Old

“In making a garden, one aims

Nectar, which is indeed a very

to create an atmosphere of peace

fine example of neoclassical Cape

and repose,” says Una. “Each plant

Dutch design, is set off perfectly by

– tree, shrub or climber – should

Una’s landscape design.

contribute towards this objective.

The ‘side main path’ leads

The shape or form of a tree, the

away past an old reservoir that

texture and colour of its leaves

has been made beautiful with a

and their arrangement on the tree,

walkway and plants around it.

are all factors to be considered

A small bridge over a mountain

in order to have a balanced and

stream leads one along a pathway

harmonious picture.”

lined with fragrant plants to the

Continued …

WWW.SILVER DIGEST.CO.ZA

LEISURE

All the seasons have been accommodated and are amply represented at Old Nectar; no less than 30 camellias and eight magnolias flower profusely in winter, brightening the days with their blossoms, while in autumn the leaves of various trees are dressed in wonderful colour and, Una says, “Spring is a glory of massed azaleas flaunting their beauty in many parts of the garden.” The summer palette is less vibrant; as Una explains, “The air is dry and hot for three months, and white and blue agapanthus stand in defiance of such uncongenial conditions.” The round rose garden is

eventually expanded to 40 as they

pergola walk invites the visitor

clearly visible from the steps on

followed the graceful curve of the

to linger a while to absorb the

the front of the house. It is divided

old road. Months of planning went

astonishing beauty of the garden.

into eight wedges with each

into the planting, which is designed

Camellias, crab-apples, cherries,

planted to a different rose, some

to acknowledge and represent all

maples and magnolias, among

remaining from 1944 and still

the four seasons. Various roses

others, are planted alongside the

thriving – the delightfully scented

climb and tumble, along with

pergola walk, each bringing their

‘Crimson Glory’ is one such

clematis, wisterias, jasmines

own variety of beauty to it. When

doughty survivor, ‘J Otto Thilow’

and honeysuckles; all have raced

placed against the backdrop of the

another and the last, ‘Etoile de

up pillars only to spill over and

majestic Jonkershoek mountain,

Hollande’. Remarkably, all are

down in dreamy disarray, their

it all makes for an irresistibly

perfect specimens still giving

fragrances scenting the breeze.

romantic ambience. As Una says,

enormous pleasure. Pathways

A centrally placed bench

between the beds are edged with

where the main path meets the

“There is magic wherever you walk in the garden at Old Nectar.” •

‘Summer Snow’ roses and lead to a centrally placed sphere of clipped privet.

Giveaway

An old road that years ago

We have a copy of Remarkable Gardens of South Africa by Nini Bairnsfather Cloete and Craig Fraser to give away, courtesy of its publisher, Quivertree.

led from the then-village of Stellenbosch to Jonkershoek was incorporated into the grounds of Old Nectar when a new road was installed further down the valley, some five years before Una and her husband acquired the property. This old road formed the backbone of (and inspiration for) Una’s beautiful pergola. What started with just a few brick pillars 38

SILVER DIGEST // SPRING 2020

CLICK AND ENTER

To stand a chance to win, send an email to info@silverdigest.co.za with ‘Remarkable Gardens’ in the subject line, including your name and contact details before 30 November 2020.

B O O K E X T R A C T & G I V E AWAY

WWW.SILVER DIGEST.CO.ZA

LEISURE

ART MEETS INVESTMENT IN MUSEUM MASTERPIECES T Art fairs may have been postponed, gone online, or cancelled entirely but you can still buy a Museum Masterpiece.

raditionally, September in

leaders in buying and selling

Johannesburg is a month

gold coins – from investment

of creativity when art fairs,

Krugerrands to rare coins and

galleries and artists collaborate

collectable modern numismatics

in celebration of art. The year

– and are the exclusive distributor

2020 will be remembered like no

of Monnaie de Paris’ Museum

other, with just about everything

Masterpieces collection. These

turned upside down, including

uniquely square-shaped coins are

the art world. Fortunately, the

made of .999 fine gold and have

creative economy has responded

a scarce mintage of only 1 500

with virtual fairs, online auctions

– making them rare and highly

and speciality curated exhibitions

sought-after.

accessible from phones and

coins. The square design is

get their fix, invest and collect.

unusual, attention-grabbing and

Coinciding with these creative

which in most cases are round.

Museum Masterpieces gold coin

Art enthusiasts and coin collectors

collection from The South African

have three designs to choose from:

Gold Coin Exchange & The Scoin

Self Portrait, The Wave and Guernica.

Shop. This specially curated set,

The square shape is reminiscent of

crafted by Monnaie de Paris,

an actual framed artwork. Rael Demby, COO of The South

or exhibited in France each year.

African Gold Coin Exchange & The

Monnaie de Paris is France’s

Scoin Shop, says, “We have a great

longest-standing institution

appreciation for the importance

and strikes the euro coins in

of these three works. It is a thrill

circulation for France, as well as

to see these pieces brilliantly

coins for other foreign currencies.

reproduced on square gold coins.

The South African Gold Coin

Most art collectors can’t add a Van

Exchange & The Scoin Shop are SILVER DIGEST // SPRING 2020

challenges the norm for coins,

catalysts is the launch of the

highlights major works created

The collection features three

laptops, allowing art lovers to still

Gogh, Hakusai or Picasso to their

ART

collections but they can own a mini-masterpiece with any one of the Museum Masterpieces gold coins.” The Dutch Impressionist painter Vincent van Gogh produced over 30 self-portraits between 1886 and 1889. Van Gogh did not have funds to pay models to pose for paintings, nor did he have many people commissioning him to do pictures, so he painted his own portrait to develop his skills as an artist. He produced his self-portraits because he wanted to practise painting people. While in an asylum in Saint-Rémy-de-

VIEW ONLINE NOW

or just The Wave, is a woodblock

been credited with influencing

print by the Japanese ukiyo-e

the direction and development

artist Hokusai. It was published

of Western art, and this can be

sometime between 1829 and

seen in the works of Degas, Monet,

most celebrated works, including

1833, as the first print in

Gauguin and Whistler, as well as in

three self-portraits. One of the

Hokusai’s series Thirty-six Views

the development of Art Nouveau in

most famous self-portraits from

of Mount Fuji. Ukiyo-e is a genre

Europe. The Wave is reproduced in

his Saint-Rémy-de-Provence

of Japanese art that is sometimes

its entirety on the face of the coins,

period is exhibited at the Musée

referred to as “pictures of the

accompanied by an interior view of

d’Orsay in Paris and is called Self

floating world”. Ukiyo-e artists

the nave of the Grand Palais, which

Portrait (with Straw hat).

express themselves through the

hosted a retrospective of Hokusai’s

techniques of woodblock prints

work in 2014.

Provence, he painted many of his

The Great Wave off Kanagawa, also known as The Great Wave

and paintings. Hokusai has

Pablo Picasso created his large oil painting titled Guernica in 1937 at his Parisian home. This work was a response to the bombing of Guernica, a Basque town in northern Spain, by Nazi Germany and Fascist Italy at the request of the Spanish Nationalists. It is recognised as one of the most powerful anti-war paintings in history and has earned the reputation of one of Picasso’s most well-known works. The South African Gold Coin Exchange is backed up by 12 branches of The Scoin Shop, as well as an online shop www.scoinshop.com. • WWW.SILVER DIGEST.CO.ZA

LEISURE

COOKING WITH LAAGER ROOIBOS AND @WITHLOVEFROMTHETWINS To celebrate their gogo’s 75th birthday, renowned South African chefs and Laager Rooibos ambassadors Lebo and Telo Ndala (@withlovefromthetwins) are sharing recipes infused with Laager Rooibos tea.

n 1945, South Africa saw the

that have passed through each

values in both of us. She likes

simultaneous arrival of Anna

generation of our family.”

order, she’s a hard worker and

Ndala into the world and the

Koko, who hails from Mamelodi

expects us to work hard as well.

introduction of the delicious taste

in Gauteng, celebrated her 75th

She has taught us how to make

of Laager Rooibos to the market.

birthday on 30 April in lockdown

traditional South African dishes

And this year, Lebo and Telo Ndala

with her family. The twins

and helped us stay rooted to our

(@withlovefromthetwins) have the

prepared a delicious lunch and

culture, no matter where we are.”

double joy of celebrating their love

lemon cake, which was enjoyed

of Laager Rooibos tea alongside

with her favourite beverage – a

75th birthday, the Ndala family

the 75th birthday of their beloved

cup of Laager Rooibos.

are sharing recipes infused with

gogo, Anna Ndala, affectionately known as ‘Koko’. The Pretoria-born twins,

“She loves her Laager

the unmatched flavour and health

Rooibos tea,” says Tebo. “She’s we were born. It’s the drink of

Laager Rooibos ambassadors, said

choice every time we have a

the infusion of traditional tastes

visitor at home!” Commenting on Koko’s

could be connected to Koko, who

influence growing up, Lebo says,

was instrumental in their cooking

“She’s very strict and has shaped

education growing up.

the way we are today. She has

“Connections and traditions

instilled strong morals and

keep us grounded, they remind us of who we really are and we can carry these traditions to our future families one day,” explains Tebo. “Food and family recipes are important – there is really no better way to connect! They bring such a sense of nostalgia. To this day, we still have our ‘Sevencolour Sunday’ brunch every week with food in a rainbow of colours; and we still eat ‘ting’ (a traditional Sotho porridge) at every special occasion. These traditions that we carry today are the traditions 42

SILVER DIGEST // SPRING 2020

benefits of Laager Rooibos.

been drinking it since way before

renowned South African chefs and

and Rooibos flavours in their food

As a way to honour Koko on her

TO STAND A CHANCE TO

WIN

send an email to info@silverdigest. co.za with ‘Laager Rooibos’ in the subject line, including your name and contact details before 30 November 2020.

CLICK AND ENTER

GIVEAWAY

Silver Digest and Laager Rooibos are giving away a hamper valued at R500 filled with Laager Rooibos produc ts and a recipe book, Food Sto ries, by Laager Rooibos ambas sadors, Lebo and Telo Ndala (@withlovefromthetwi ns).

RECIPES

Laager Chicken Casserole INGREDIENTS

• 50g butter

• 2 tbsp seasoned flour

• 200g mushrooms

then add the brewed tea, herb

• ¼ cup crème fraiche

bundle and seasoning and bring

(flour mixed with a bit of salt and pepper) • 1 tbsp Laager Rooibos

(to serve, optional) • Fresh parsley, thyme and bay leaf

(remove leaves from teabags and discard bags) • 8 chicken pieces

1. Tip the seasoned flour, chicken pieces and loose Laager Rooibos

• 2 shallots, finely chopped

tea leaves into a food bag, then

• 180ml sherry

shake well to coat evenly.

(strongly brewed) • 2 tbsp garlic, crushed

to the boil. Pour chicken into casserole dish and simmer covered for 45 minutes until chicken is

METHOD

• 5 tbsp sunflower oil

• 320ml Laager Rooibos tea

3. Add sherry and allow to reduce,

tender and sauce has thickened. 4. In a pan, melt butter, add mushrooms and heat until soft, then add the garlic and stir. 5. Season lightly.

2. Heat oil in a large pan, add the chicken pieces in batches and fry

To serve: Top chicken with mushroom

on all sides until well browned.

mixture and crème fraiche and serve. WWW.SILVER DIGEST.CO.ZA

LEISURE

Rooibos Citrus & Ginger Homemade Granola SERVES 6

INGREDIENTS • Dried orange slices of one large orange • ½ cup (65g) icing sugar, sifted • 1 cup (50g) coconut flakes • 1 cup (95g) Jungle oats • 1 cup (125g) oat flour or rice flour • ½ tsp salt • ¼ cup (50g) sugar • 2 Laager Citrus & Ginger-flavoured Green Rooibos teabags • ¼ cup boiling water • ⅓ cup (75g) butter or coconut oil, melted • ¼ cup (50g) honey • ¼ cup (20g) candied ginger or citrus peel • ¾ cup (70 g) roughly chopped almonds

METHOD 1. Preheat the oven to 100°C (80 degrees fan-forced). For the dried oranges, slice the orange in half lengthways. Cut slices of about 5mm thick and place on a prepared baking tray. Generously dust with icing sugar and leave in the oven for 2-3 hours or until fully dried out (but not browned). Once done, remove and set aside. 2. Preheat your oven to 150°C (130

coconut oil) and honey, stir

further 20 minutes.

degrees fan-forced). Combine

into the dry ingredients until

Allow the granola to cool

the dry ingredients together in a

completely mixed through.

completely then break into

medium mixing bowl. 3. Break the teabags open and steep

chunks. Add the candied

a lined sheet tray and bake for

ginger or citrus peel, dried

in boiling water for 5 minutes or

25-30 minutes or until the edges

orange and almonds. Store in

until strong.

turn golden brown, then flip

4. Combine the tea, butter (or 44

5. Press the granola mixture into

SILVER DIGEST // SPRING 2020

over in one piece and bake for a

an airtight container. 6. Enjoy!

RECIPES

Rooibos Glaze Baklava

2. Preheat oven to 190° C. 3. Unroll phyllo. Cover with a damp

• 2½ cup sugar • 2 cups water • 4-6 Laager Rooibos teabags • 60 ml honey • 1 tbsp lemon juice

9. Top with 6 sheets of pastry

cloth to keep from drying. 4. Layer the bottom of the pan

ROOIBOS SYRUP

nuts and phyllo. for the top. 10. Pre-cut into diamond shapes

with 6 sheets of phyllo.

(just a deep score, not all the

Butter each sheet.

way to the bottom).

5. In a food processor, grind nuts coarsely with spice and sugar.

11. Lightly sprinkle with cold water. 12. Bake for 30 minutes until

6. Spread about 1/3 of the nut mixture onto phyllo.

golden brown. 13. Pour cooled down Rooibos

7. Top with three buttered On low heat, bring all the ingredients (except honey and lemon) to a simmer

syrup over hot baklava as soon

layers of phyllo.

as it comes out of the oven.

8. Repeat this two more times with

14. Cool down. Enjoy.

until sugar dissolves. Simmer for 15 minutes. Remove from heat. Remove teabags. Stir in the honey and lemon juice. Set aside and completely cool.

FILLING • 750g walnuts, toasted • 2 tsp mixed spice • 4 tbsp sugar • 500g phyllo pastry, thawed • 500g butter

METHOD 1. Butter the bottom and sides of a baking tray.

Laager Cranberry & Wild Cherry Rooibos Malibu Sunset INGREDIENTS

Cranberry & Wild Cherry flavoured

• ½ ice cube tray Laager Cranberry

rooibos teabags normally*, cool it

& Wild Cherry flavoured Rooibos

down completely and pour into ice

ice cubes

cube moulds and freeze until ready

• ½ cup cranberry juice • ½ cup pineapple juice • ½ cup Malibu coconut rum • Grenadine, drizzled • Maraschino cherries, for garnish • Pomegranate rubies, for garnish

to use. 2. Add ice to glass, add the juices, the Malibu rum and stir until mixed well. 3. Pour into glasses. Drizzle in the grenadine. Garnish. 4. Serve immediately. 5. *Recommended brew time

METHOD 1. To make ice cubes, brew 6 Laager

3-5 minutes *Makes 2 glasses • WWW.SILVER DIGEST.CO.ZA

LEISURE

T-ROC:

Volkswagen has added a fifth model to th e brand’s SU V range in South Afric a, the T-Roc .

VOLKSWAGEN’S NEW SUV

The T-Roc will be available

T-Roc 1.4 TSI 110kW

from November 2020.

Tiptronic Design

Recommended Retail Price

T-Roc 2.0 TSI 140kW 4MOTION®

warranty, 5 year/90 000km

(VAT and emissions tax included)

DSG® Design

Volkswagen Service Plan and a

SILVER DIGEST // SPRING 2020

The Volkswagen T-Roc comes R489 400 R548 300

standard with a 3 year/120 000km

T-Roc 2.0 TSI 140kW 4MOTION®

12-year anti-corrosion warranty.

DSG® R-Line

The service interval is 15 000km.

R593 600

M O TO R I N G

rapidly in South Africa.

all-round, dark plastic trim, which

Between 2015 to 2019, it

protects the bodywork around the

increased by 44%. International

wheel arches and side sills, as well

experts estimate that the compact

as the vehicle’s front and rear, and

SUV segment worldwide will

gives the T-Roc a sportier look.

he SUV market is growing

The off-road look is enhanced by

almost double in size over the next

The T-Roc is also among the

decade. Which is why Volkswagen

first Volkswagen models to display

South Africa has introduced

the new Volkswagen logo in South

another compact SUV to its range,

Africa, and is the first Volkswagen

less than 12 months since the

SUV that will be available to order

launch of the T-Cross.

in two-tone paintwork with a

The new T-Roc is a compactclass crossover that slots above

TAKE A LOOK AT THE T-ROC IN ACTION

contrasting roof. For an SUV, its looks might be

the T-Cross and below the Tiguan

reminiscent of a coupé, and so is

Front Assist. It utilises two sensors

in the Volkswagen SUV range, and

its handling. The T-Roc offers a

at the front and, if required, will

more broadly brings fresh impetus

Golf-like level of ride comfort. And

trigger an audible and visual signal

to the compact SUV class.

it’s spacious. When all five seats

to warn the driver of obstructions

are occupied, luggage space is

and could also brake the vehicle if

design makes a nice change

445 litres. The backrests can also

required within system limits.

from the homogeneity of the SUV

be folded down in a 60/40 split,

market. Numerous details and

yielding luggage capacity of up to

design elements – from its wide

1 290 litres; hardly any other SUV

radiator grille with integrated

in this class offers such a spacious

engine has a power output of

dual headlights to the striking

package.

110kW at 5 000 – 6 000rpm and

Its modern and expressive

chrome element that runs from

The T-Roc will come standard

The new T-Roc can be ordered with a choice of two petrol engines. The 1.4 TSI 8-speed Tiptronic

torque of 250Nm. The entry-level

the A-pillars across the complete

with App-Connect, which now

engine reaches 0 – 100km/h in 8.4

side roof line all the way into the

connects wirelessly to your

seconds, has a fuel consumption

C-pillar – give the T-Roc a definite

smartphone and makes it possible

of 6.9l/100km and a top speed of

edge, backed up by innovative

to operate selected mobile phone

205km.

digitalisation, connectivity, and

apps from the touchscreen.

driver assistance systems.

In addition, I.Q Drive

The 2.0 TSI engine with 7-speed DSG® and 4MOTION® is

The base models branch out

technologies are also available on

the second engine in the range

into two different line structures.

the T-Roc, including Park Assist,

and has a power output of 140kW

The T-Roc Design line is intended

Emergency Assist, Front Assist,

and torque of 320Nm. It takes just

for people looking for more styling

Traffic Jam Assist, Adaptive Cruise

7.2 seconds to go from 0 – 100km,

elements, and the R-Line is aimed

Control and Lane Assist.

with a top speed of 216km. The

at those looking for a sportier specification.

Pedestrian Monitoring, which is a new offering, is an extension of

fuel consumption on this engine is 8.3l/100km. • WWW.SILVER DIGEST.CO.ZA

LEISURE

BOOKS

Three new releases to kick off your spring reading…

CLICK TO SHOP BOOKS

SPRING READING NOT TO MENTION: A NOVEL BY VIVIAN DE KLERK

SECURE YOUR RETIREMENT BY BRUCE CAMERON AND WOUTER FOURIE

As her 21st birthday approaches, Katy Ferreira

Pensioners are facing a major

has not left her bedroom for

fallout from South Africa’s

close on two years. In fact,

downgrading to junk status and

solutions to guide pensioners

she has not left her bed – at

the plummeting of the rand as a

to better financial outcomes. It

360 kilogrammes, she simply

result of government corruption.

gives advice for women, who are

can’t.

On top of this, the COVID-19

particularly at risk, and it deals

pandemic and the economic

with the rising costs of healthcare

indomitable spirit, Katy tries to make the best of a

lockdown have hit retirement

and the increasing threat of

bad situation. She does the crossword in the Herald

savings hard, and their effects

dementia. Written by award-

newspaper her mother brings home, consumes the

will continue for a long time.

winning author Bruce Cameron

food she craves – biscuits, pies, doughnuts, litres

Secure Your Retirement unpacks

and leading financial planner

of fizzy drinks – and waits in hope for insulin and a

the challenges facing pensioners,

Wouter Fourie, and based on

solution to her plight. To pass the time she begins

and outlines what they can do

research by the country’s largest

to compile her own crossword in one of the Croxley

to improve their situation. The

pension fund administrator,

notebooks that have been unused since she dropped

book explains how to avoid the

Alexander Forbes, as well as life

out of school. Within each cryptic clue is a message,

pitfalls that cause pensioners

companies Just SA and Sanlam,

an attempt to explain how it feels to be ‘the fat girl’,

to run out of money. It provides

this book is essential for anyone

how taking comfort in sweet things as a grieving and

guidance about selecting the right

concerned about their financial

lonely child escalated into a deadly relationship with

pension products and offers other

future in this worrying time.

Characterised by an

food and a psychological and physical disease. The process triggers splintered memories of dark family secrets and hints of culpability. As Katy finds her voice – quirky, macabre, devastatingly astute and viciously funny at times – the notebooks fill up. Not to Mention is part diary, part memoir, part love-

A LIFE ON OUR PLANET BY DAVID ATTENBOROUGH I am David Attenborough. At time of writing, I am 93 years old. I’ve had an extraordinary

hate letter to the mother who fuelled her daughter’s

life. It’s only now that I appreciate how

addiction as steadily as the world ostracised her.

extraordinary. As a young man, I felt I was

The destructive power of shame and society’s harsh

out there in the wild, experiencing the

judgement of people who are ‘different’ is matched

untouched natural world – but it was an

by the immense courage of a young woman who is

illusion. The tragedy of our time has been

determined to be heard.

happening all around us, barely noticeable

Vivian de Klerk is Professor Emeritus of Linguistics at Rhodes University, where she devoted

from day to day – the loss of our planet’s wild places, its biodiversity. I have been witness

30 years to teaching and research before becoming

to this decline. A Life on Our Planet contains my witness statement, and

dean of students in 2008. She received the vice

my vision for the future – the story of how we came to make this, our

chancellor’s Senior Distinguished Research Medal

greatest mistake, and how, if we act now, we can yet put it right. We have

and, in 2019, was the recipient of the Kraak Writing

the opportunity to create the perfect home for ourselves and restore the

Grant. Not to Mention is her first novel.

wonderful world we inherited. All we need is the will to do so. •

SILVER DIGEST // SPRING 2020

LEISURE

PUZZLES

PUZZLES & SOLUTIONS SUDOKU: Enter numbers into the blank spaces so that each row, column and 3x3 box contains the numbers 1 to 9.

SOLUTION TO LAST ISSUE'S CROSSWORD

SOLUTION TO LAST ISSUE'S SUDOKU

WWW.SILVER DIGEST.CO.ZA

LEISURE

PUZZLES

CROSSWORD

CLICK FOR THESAURUS

SILVER DIGEST // SPRING 2020

your meds your way Convenient medication management solutions

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Unity.

Humanity.

Resilience. Trust. It all comes down to trust. Particularly when it comes to investing. In 1993, we committed to work tirelessly to grow the long-term wealth of everyday South Africans. Today, this commitment is more important to us than ever.

Silver Digest September/October 2020

Articles inside

SPRING READING

T-ROC: VOLKSWAGEN’S NEW SUV

Laager Cranberry & Wild CherryRooibos Malibu Sunset + reader giveaway

Rooibos Glaze Baklava + reader giveaway

Rooibos Citrus & Ginger Homemade Granola + reader giveaway

Laager Chicken Casserole + reader giveaway

Art meets investment in museum masterpieces

REMARKABLE GARDENS OF SOUTH AFRICA

OTIS MEDICAL ASSIST CHAIR

HAY FEVER SEASON IS HERE!

THE ROLE OF SUPPLEMENTS AS WE AGE

SOCIAL ISOLATION AND YOUR MENTAL HEALTH

REGAIN YOUR INDEPENDENCE IN STYLE AND COMFORT

7 LIFE-CHANGING HEALTH BENEFITS OF CBD FOR SENIORS

VITAMINS C, D, AND OTHER NUTRIENTS VITAL TO COUNTER COVID-19

HORMONE REPLACEMENT THERAPY: IS IT FOR YOU?

NEVER UNDERESTIMATE THE IMPORTANCE OF A VALID, LEGALLY COMPLIANT WILL

BENEFITS OF BLENDING

NEW TAX BILLS – A STEP CLOSER TO RETIREMENT REFORM

COVID-19 CONSUMER RIGHTS INFRINGEMENT – WHAT TO DO?

YOUR RETIREMENT INVESTMENTS AFTER COVID-19

PROTECTING THE VALUE OF YOUR OFFSHORE NEST EGG

Hillary

10 MUST-TRY DAY TRIPS ON THE KWAZULU-NATAL SOUTH COAST

Upfront: Drink this

Upfront: READ THIS

Upfront: Get your art fix

Upfront: Eat here

Upfront: Stay here