Silver Digest December 2020/January 2021

ISSUE 8 SUMMER DECEMBER 2020/ JANUARY 2021

HOW TO SPEND YOUR MONEY WISELY THIS FESTIVE SEASON

What to ask before choosing a home healthcare supplier Make the most of your retirement savings

It's What Paul McCartney's been up to under lockdown

Travel: Garden Route Bucket List!

What an ophthalmologist wants you to know about cataracts

THE LASTING LEGACY OF IRMA STERN EXPLAINED BY AN EXPERT

Contents

…

4 6

ED’S NOTE UPFRONT

18 FIVE DAMAGING MYTHS ABOUT WILLS BUSTED

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

TRAVEL 8

REDISCOVER PLETT

Your ultimate Garden Route bucket list!

FEATURE 10 PAUL MCCARTNEY

HEALTH 20 NINE TIPS TO DEAL WITH MENOPAUSE

The prodigious talent has been busy under lockdown…

MONEY CONTENT PARTNERSHIP: How to spend your money wisely this festive season.

16 CONTROL THE THINGS YOU CAN

Follow these easy steps to ease the symptoms of menopause.

22 TREATING CATARACTS

14 FINBOND

Seugnet Moggee, Fiduciary Partner at Citadel Fiduciary, clears up some common misconceptions about drafting and executing a last will and testament.

What an ophthalmologist wants you to know about cataracts.

24 HOME CARE

The questions you need to ask before choosing a home healthcare supplier.

26 GOODLEAF

Mica Townsend, Business

Development Manager and Employee Benefits Consultant at 10X Investments, on how to make the most of your retirement savings.

CBD (cannabidiol) can help provide relief from common concerns like chronic pain, trouble sleeping and inflammatory conditions.

LEISURE ART 28 The lasting legacy

of Irma Stern.

COOKING 30 The Ultimate Guide for

Your Baking Business

by Grace Stevens.

BOOKS

32 New coffee table books.

33 SUDOKU 34 CROSSWORD

WWW.SILVER DIGEST.CO.ZA

3

Ed's note …

T

@SILVERDIGEST

here is a scene in the 1998

Hand, Let it Be, Ebony and Ivory, We All Stand

romantic comedy Sliding Doors,

Together, even Live and Let Die, is still at

starring Gwyneth Paltrow and

work, and still has more to give.

John Hannah, in which the two main

But he does, and so we meditate

characters meet on a train in the London

on McCartney’s significance and

Underground and have a somewhat

achievement in this issue, and celebrate

awkward, bumbling exchange about the

him on our cover. McCartney is 78 (John

lyrics of a song they overhear.

Lennon would have been 80 this year)

He says, “They’re Beatles “I don’t know,” she replies. “Sorry.”

“Of course you do,” he retorts. “Everyone is born knowing Beatles

and he stands as living proof

Sign up for our

lyrics, aren’t they?”

that talent and inspiration

new email newsletter.

like that never tires. It’s

If you would like to receive more

heartening to think that

of the features you’ve come to love direct to your inbox, simply head to www.silverdigest.co.za to sign

lyrics instinctively.

up – like the magazine, it’s also absolutely free.

after such a difficult year, after such adversity, humanity continues to create lovely melodies

They’re passed into the

(doubtless, that’s what we

foetus along with all the

expect from McCartney). McCartney

amniotic stuff. In fact, they should be

III isn’t a Christmas album, but it’s a

called The Foetles.”

festive gift after a long, hard year.

The Beatles was officially formed 60

McCartney might have given us the

years ago, although John Lennon and

sense of positive inspiration we all feel

Paul McCartney first met three years

we need, but this issue of Silver Digest also

earlier, in 1957. Their first single, Love

includes some practical advice to help us

Me Do, was released in 1962. That means

all through this time, from financial insight

that no one younger than about 60 can

to the ordinary health questions – such as

remember a world in which Beatles

dealing with menopause and cataracts –

songs didn’t exist. Such was the band’s

that don’t disappear in times like these.

cultural impact and omnipresence that

But it is holiday season after all, so

they seem to have permeated the global

we’ve made sure we have represented

consciousness. Foetles indeed!

the fun side of life as well. We have travel

Their mythical status makes it somewhat baffling to think that this year, while we were all holed up under lockdown,

ideas, books, puzzles and art to read about in this issue, too.

Happy reading and all the best

somewhere on a farm in Sussex, England,

over the festive season. We hope you

one of the people who wrote most of those

spend it “simply having a wonderful

seemingly eternal songs sat down once

Christmastime”! (Those are lyrics from

again to write a few more.

a Paul McCartney song recorded solo at

That’s right, Paul McCartney is still

the same time as McCartney II, not with

at it, and has a new album out this

the Beatles, so you will be forgiven if you

December. It’s amazing to think that the

didn’t immediately recognise them…).

talent that composed I Wanna Hold Your

Graham

EDITORIAL EDITOR: Graham Wood Email: graham.wood@newmedia.co.za SUB EDITOR: Anita van der Merwe LAYOUT & DESIGN: Julia van Schalkwyk PHOTOGRAPHY Debby Wong / 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 © Copyright Silver Digest 2020 Published by New Media, a division of Media24 (PTY) Ltd 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

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.

4

SILVER DIGEST // SUMMER 2020/2021

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WHERE TO GO, WHAT TO READ, BUY AND DRINK STAY HERE: HOTEL SKY

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a new hotel model and a new hospitality

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via an app, and there’s a self-service

way for what post-pandemic travel will

check-in. Hotel Sky will also be the first

look like. Hotel Sky, on the corner of Maude

hotel in South Africa (and possibly globally)

and West Street, is a stone’s throw from the

to employ AI-powered robots to assist with

Sandton International Convention Centre.

guest relations, luggage, room service and

(A second establishment is currently being

more. And that’s not to say there are no

constructed across the road from the Cape

creature comforts: Hotel Sky’s executive

Town ICC on the Foreshore.) Hotel Sky

chef is Tony Kocke, as Michelin Star Chef!

has enlisted state-of-the-art hospitality

www.hotelsky.co.za

READ THIS: A WILDER LIFE: JOURNEY OF AN ADVENTURING DOCTOR BY JOAN LOUWRENS Dr Joan Louwrens has always been drawn to wild places, which are balm to her soul.

When her husband died, leaving her alone with two small daughters to raise, she threw herself wholeheartedly into ‘adventure medicine’, seeking out the world’s most remote corners – on land and at sea – to practise healing, both her own and others’. Working in wild places from the Kruger Park to the Australian Outback, the Atlantic Ocean islands, and both the Arctic and Antarctic, ‘Doctor Joan’ has dealt with a vast range of medical

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challenges, from rabies to deep-vein thrombosis, childbirth to wisdom-tooth extraction, catatonia to depression. Showing an eagerness to learn and a humility that aren’t always a given in her profession, and with a wry eye and a sympathetic outlook, Joan Louwrens has written a memoir that’s a poignant and often funny story of a life lived to the full.

6

SILVER DIGEST // SUMMER 2020/2021

FEEL PROUD ABOUT THIS: THABISA MJO IS THE FIRST SOUTH AFRICAN DESIGNER TO HAVE HER WORK FORM PART OF THE PERMANENT COLLECTION OF THE MUSEUM OF DECORATIVE ARTS IN PARIS, FRANCE The renowned Musée des Arts Décoratifs (MAD, Paris) has acquired two landmark

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lockdown. The spirit inside these

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cabinet. Both pieces came to the museum’s

creative geography of South Africa and its

because, although times are tough

attention because they were part of an

neighbouring countries, Lesotho, Swaziland,

and money is short, we should

exhibition of Mjo’s work at the Bonne

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Travel …

Bloukrans Bridge.

IT’S TIME TO REDISCOVER PLETT WITH THIS ULTIMATE

Garden Route bucket list

L

uckily, South Africa is

The charming coastal towns

swimming with seals, canyoning,

blessed with epic, world-

of Plettenberg Bay, Knysna,

marine tours, boat cruises, or

class tourist destinations,

Wilderness and Sedgefield are all

simply strolling the sandy lengths

the kind that attract a steady flow

a short drive from George Airport,

of several Blue Flag Beaches.

of foreign travellers under ‘normal’

approximately six hours drive from

Plett highlights include an

circumstances. Fortunate locals are

Cape Town and twelve hours drive

ethical wildlife experience at the

spoilt for choice when it comes to

from Johannesburg – perfect for

Tenikwa Wildlife Awareness &

planning a local breakaway.

a long weekend or an extended

One such famed attraction is

stay. But the veritable jewel in the

Rehabilitation centre. This not-

PLAN YOUR ROUTE HERE

for-profit organisation focuses on

South Africa’s verdant Garden Route

Garden Route crown is undoubtedly

– a spectacular stretch of coastline

Plettenberg Bay, affectionately

where you can learn about South

on the south-eastern shores of

known as Plett. It is not hard to

African wild cats and other local

the country that is peppered with

understand why, thanks to Plett’s

species. Conservation is key to

must-see sights and hotspots.

incredible natural surroundings,

Tenikwa, which runs rehabilitation

Spectacular views, misty indigenous

beautiful and pristine beaches,

and recuperation facilities where

forests, nature reserves, seaside

plentiful marine life, leisure

injured or abandoned wildlife can

resorts offering excellent cafés,

pursuits, adventure activities,

be rehabilitated according to strict

curio shops and fresh seafood, and a

wildlife sanctuaries and luxury

protocols, so that they are given a

wide selection of outdoor adventure

accommodation destinations.

second chance to be returned to

activities are just a few of the

When staying in Plett, the

reasons this southeast coast trail is

bucket list is endless. There

so well-loved.

are horseback safaris, guided

8

SILVER DIGEST // SUMMER 2020/2021

education and offers daily tours

the wild where they belong.

Ocean Blue Adventures offers a two-hour ecological adventure,

LOCAL

which leaves from Plett’s Central Beach

high canopy forest. All primates live

place from the top of the arch of

and heads east past a bird sanctuary,

in a natural environment. As a visitor,

Africa’s biggest bridge and the jump

traverses the bay and cruises back

you will be privileged to step into the

spot is reached via zipline. After

along the inside of Robberg nature

world of these primates to explore

your jump, you’re winched back up

reserve. On the tour you will usually

and learn fascinating facts first-

to the arch’s top and, from there,

encounter dolphins, some shark

hand, while experiencing some of the

you return to land via a suspended

species, seals, pelagic seabirds, as well

planet’s most unique species.

walkway bolted to the underside of

as Southern Right and Humpback

Embrace your inner adventurer

whales in season.

with the Tsitsikamma Canopy Tour,

Explore Robberg on foot another

the bridge. Extraordinary!

And, also worlds away from

consisting of ten platforms and ten

the ordinary, is luxurious

day. This pristine nature reserve is also

ziplines (or ‘fufi’ slides) – the longest

accommodation offering The

a national monument, seeing as rocks

of which is 80 metres. The platforms,

Plettenberg. Situated on a rocky

here date back 120 million years, and

built high up in the giant Outeniqua

headland that affords incredible

evidence of middle and later Stone Age

Yellowwood forest, provide an

sea views, the hotel offers a unique

inhabitation has been found in some

unbelievable view of this enchanting

escape with a selection of five-star

of its caves. While walking, keep an

world. Two trained guides accompany

suites, private villas and sea-view

eye out for the rare blue duiker and

the tour and ensure the safety of each

rooms, along with an on-site spa.

remember that Robberg is also famous

group while enthusiastically pointing

for its Great White Shark sightings

out any interesting plants, birds or

Lounge beside one of their two

animals along the way.

infinity pools while taking in some

in the ocean below, so keep a sharp look out for the tell-tale shapes in the water. You can also view the highest navigational light on the South African coastline, at the Cape Seal Lighthouse, which is 146m above sea level.

Discover the world’s

Canopy tour in Tsitsikamma National Park.

If that’s not enough adventure for you, see Plett’s glorious nature from a different perspective: upsidedown! Bloukrans Bungy, the world’s highest commercial bungy bridge, is also the

While at the hotel, R&R is a must.

of the most breath-taking vistas in Southern Africa. The Plettenberg boasts views of the ocean, mountains and endless stretches of golden sand. Alternatively, take in the magnificent sea views from the comfort of your sea-facing room,

first free-roaming

highest commercial

where you can watch the waves for

multi-species

natural bungy

pods of dolphins. It’s the ultimate

primate sanctuary,

jump in the world,

Garden Route oasis and a fitting

Monkeyland – a

at 216m above the

base for an unforgettable time in

modern sanctuary established in a pristine

The view from The Gap along the Robberg Hiking Trail.

Bloukrans River. The bungy jump takes

Plettenberg Bay. • www.theplettenberghotel.com

The Plettenberg Hotel.

WWW.SILVER DIGEST.CO.ZA

9

Feature …

Ma

On 11 December, the legendary former Beatle, Wings frontman, solo star and collaborative genius Paul McCartney will release his lockdown album, McCartney III. Silver Digest reflects on the prodigious talent at 78…

T

he Brits have a charming

cut tragically short when he

quirk when noting the

was assassinated 40 years ago

professions of some of

this December, McCartney has

their most beloved icons. In media

continued to write and perform.

profiles and so on, they sometimes

His work with Lennon has joined

list their profession as ‘national

the pantheon of humanity’s all-

treasure’. So the Queen, for

time great artistic achievements,

instance, would be listed as:

but over the decades McCartney

The Queen

has evolved, collaborated

Profession: Queen/

with others, gone in and out of

national treasure.

fashion and, let’s face it, grown

Paul McCartney would be:

old. (Although, you could easily

Musician/national treasure.

knock 20 years off his age and no

But the truth is that the former

one would question it. His voice

Beatle and song-writing legend, at

might be a bit rougher around the

78 years old, has transcended even

edges, but there’s still something

that elevated status. He’s more like

enduringly youthful about him.)

a global resource. His music is like

Documentation of the seven bright years of the Beatles’

to everyone. It’s almost

existence, and even the rest

impossible to imagine

of McCartney’s life, is so

a world in which his

thorough that it has,

and important song-writing partnership in history. Together

gorgeous melodies

as New Yorker writer

with him, alone or in partnership

don’t exist.

Adam Gopnik has it,

with others, McCartney has written

“reached saturation

32 No. 1 songs on the Billboard Hot

point”. Everything

100. No-one has topped that.

McCartney’s legendary Beatles song-writing partner,

is so well known,

John Lennon, would

He’s also had number-one hits

the anecdotes so well

with Michel Jackson and Stevie

have been 80 this year.

travelled, the details so

Wonder. As recently as 2015, he

Although they’d played

thoroughly researched and

together since the late 50s, Lennon and McCartney officially formed the Beatles in 1960, which means Paul’s musical career “on the world stage”, as GQ’s Dylan Jones puts it, is 60 years old.

While Lennon’s career was

10

archived, it’s impossible to add The Lennon Wall in Prague is filled with John Lennoninspired graffiti and pieces of lyrics from Beatles songs.

SILVER DIGEST // SUMMER 2020/2021

topped the Billboard charts with a collaboration with megastar rapper

anything. It’s also impossible, given

Kanye West and Barbadian singer

the volume and hyper-detail of it

Rihanna, called FourFiveSeconds.

all, to sum it up.

The Beatles song Yesterday, which

Perhaps it would suffice to

he is reputed to have written in his

say that Lennon-McCartney

sleep, is thought to be the most-

was simply the most successful

covered song of all time.

Continued …

PHOTOS: EMKA74 , ISMAEL QUINTANILLA III / SHUTTERSTOCK.COM

cultural oxygen; it belongs

PAU L M C CA R T NE Y

ac IS BACK

CLICK TO WATCH THE PREVIEW

WWW.SILVER DIGEST.CO.ZA

11

F E AT U R E

been quite satisfied with and started

bedrock of his creative achievement,

according to the Sunday Times

“tinkering”. The tinkering turned

perhaps the characteristic that best

Rich List, McCartney is the world’s

to full-on writing and recording,

defines McCartney’s output is his

richest musician, worth £800m:

and a whole lot of new songs were

prodigious talent – the staggering

that’s $1.2bn or R16 508 952 000!

suddenly on the table.

ability to remain creative, to come

(Incidentally, he shared the

“When I’d done them, I was

up with one wonderful melody after

position with none other than

going ‘Well, what am I going to do

another; almost endlessly, it seems.

Andrew Lloyd Webber.)

with this?’” he told Everitt. “And it

The ever-insightful Gopnik argues

suddenly hit me: this is McCartney III.

that, while McCartney had staggering

him at the moment is that during

But the reason all eyes are on

You’ve done it all yourself, like the

musical talent at his disposal –

the UK’s first lockdown at home at

others, so this qualifies.”

his farm in East Sussex, McCartney

making the case that his musical

McCartney I and II hardly

wrote and recorded a new album,

figure among his most

which will be out on 11 December.

renowned projects.

abilities far outstripped Lennon’s – Lennon’s vision and ambition stretched

It’s called McCartney III, and is

McCartney I was a

that talent beyond mere

the third of what will be a trilogy of

mixed bag to say

entertainment to make

self-titled albums. They stand out

the least, with only

it into important art.

from his other work in that all three

one really stand-

are almost entirely solo efforts, with

out example of the

he wrote for BBC News

Paul recording them himself and

Beatles-era song-

a few years ago in a

playing all the instruments. He did

writing prowess, Maybe

the first one in 1970. It was made

I’m Amazed. In retrospect,

during the last days of the Beatles, as

however, it has come to be

the band disintegrated. McCartney II

understood as a pioneering and

of 1980 was also made alone, in the

highly influential project. While Sgt.

aftermath of Wings. So McCartney III

Pepper’s Lonely Hearts Club Band with

continues the tradition of albums

the Beatles almost singlehandedly

made alone in times of crisis.

changed the way music was

The crisis this time is less

recorded, reinventing the idea of the

“John had reach,”

piece marking 50 years since the Beatles first performed. “He instinctively understood that what separates Sgt Pepper's Lonely Hearts Club Band vinyl record with inner cover photograph of the Beatles

an artist from an entertainer is that an artist seeks to astonish, even shock, his audience. Paul had grasp, above all, of the materials of music, and knew intuitively that

personal or artistic. McCartney

studio album and turning recording

astonishing art that fails to entertain

III was made while safely and

itself into an artistic element of the

is mere avant-gardism.”

comfortably isolating with his

music, McCartney I did the opposite.

daughter Mary and four of his

It was made at home with a four-

achievement of the Beatles, however,

grandchildren. Mary is a renowned

track recorder and a microphone,

is the ability of the music to make

photographer, so the making of

and basically invented the lo-fi

us feel glad. It is rare for important

the project has been beautifully

trend that followed many years later

art to be uplifting. McCartney and

documented, too, showing a spry

and became the basis of indie pop.

the Beatles, however, made happy

and energetic-looking McCartney

McCartney II, they say, prefigured

music. And while McCartney might

at work for posterity.

contemporary electronic pop’s made-

never again have achieved the same

at-home-in-your-bedroom aesthetic.

heights of artistic seriousness that

The album was made in just nine weeks. “I was just messing around,

Will McCartney III do the same?

He argues that the enduring

he did with Lennon – despite the

never suspecting for one second

Who knows? Probably not… But

monster hits both on his own and

that this was going to be an album,”

that’s hardly the point.

with other collaborators – his music

the star told BBC 6 Music’s Matt

While the creative explosion of

Everitt. The album began, he says,

the Beatles in the 60s – McCartney’s

when he dug out an unreleased

partnership with Lennon – will

song from the 90s that he’d never

probably always remain the

12

SILVER DIGEST // SUMMER 2020/2021

has continued to have something gladdening about it.

And that, more than anything, is what we need now. •

PHOTO: JOHN B HEWITT / SHUTTERSTOCK.COM

Or, to put it another way,

PAU L M C CA R T NE Y

Money …

Y

HOW TO SPEND YOUR MONEY WISELY THIS FESTIVE SEASON

A

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

not, the right answer.

When traveling, be it on vacation or to

time of giving, try to make a gift for loved ones instead of buying one – often it will

visit family and friends, always

mean more to the person receiving

remember to pack a mask and

it and to you too. These small

wear one in public or in whatever

changes can add up and help you

fter a long year, summer

other situation it will make you

really get value out of your money,

is here. A time to relax, a

feel comfortable. Sanitize your

while still enjoying the quality time

time for family and friends,

hands frequently, more frequently

you spend with your loved ones.

celebrations, and a time for giving.

than what you might think. There

With 2020 being one of the most

are still summer precautions

care about your financial wellbeing

At Finbond Mutual Bank, we

unpredictable years in modern

to consider as well. Pack a hat,

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history, and with COVID-19 still very

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much alive in South Africa, how will

stay hydrated. When traveling long

term deposit interest rates you

this affect our festive season? With

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millions of South Africans making

more often. Being prepared and

best interest on normal savings

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doing the little things that matter

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much-needed time with their loved

will give you the freedom to still

if you spend your money wisely

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challenging the year has been.

for it with interest – that is one of

and still doing our part against the

The same is true for your

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invisible enemy, COVID-19? With so

financial wellbeing. Doing the little

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what can we really rely on for a secure

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take a break this festive season and

future? With everyone’s budgets no

The festive season is a time of

focus on the things that matter.

doubt being tighter than usual during

celebration, which can also mean

the festive season, how do we go about

that spending increases and can

Get out more, take more walks,

ensuring we are still able to spend

get out of hand – but it doesn’t

enjoy the beautiful nature South

real quality time together? These are

have to. You do not need to spend

Africa has to offer. Take joy in

some of the questions that we would

all of your hard-earned savings

simple things. Laugh, have fun.

like to help you with during this festive season.

Some of the answers to some of the biggest questions often come from observing

to have a good time. Instead of eating out, enjoy cooking a meal at home together as a family.

And if the kitchen is not your forte, us South Africans

the smaller things and

can never braai enough,

taking the little steps.

especially in the lovely

Simplicity is not always the easy answer but is, more often than

14

SILVER DIGEST // SUMMER 2020/2021

summer days our country has to offer.

Christmas being the

Summer is here to be enjoyed.

You are prepared for the issues at present and you are prepared for your financial future. Simple as that.

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MONEY

WE A LT H

CONTROL THE THINGS YOU CAN How to make the most of your retirement savings.

M

BY MICA TOWNSEND, BUSINESS DEVELOPMENT MANAGER AND EMPLOYEE BENEFITS CONSULTANT AT 10X INVESTMENTS

oving into

making decisions about your

streams, you have some

retirement can be

income, and the risk that

flexibility and can afford to

Living Annuity is that you

worrying. There

bad decisions could mean

take on more investment risk.

outlive your savings. You

running out of money.

The opposite is true if you live

need to consider the draw-

on a shoestring budget, barely

down rate in the context of

covering your bills.

your time horizon, your asset

is an instinctive fear of consuming capital and the

Your retirement pot may

Your major risk with a

prospect of a diminishing

have to last for a long time,

lifestyle. Fortunately,

so you need to give your

these concerns can be

money the best chance to earn

depleted by fees, as well as

addressed with a few well-

returns that outpace inflation

by what you draw. According

such as the 10X Retirement

informed decisions, says

over time, which means

to government estimates,

Calculator, which you will

Mica Townsend, Business

putting some money in the

the industry average fee for

find on the 10X website

Development Manager at

share market.

living annuity investors is

www.10x.co.za, can help you

approximately 2.5% (plus VAT)

find your optimal sustainable

alternatives offered, your

of the investment balance

draw-down rate, based on

living and a life annuity

choice is essentially a high-,

(0.75% for advice, 0.25% for

your estimated life expectancy

at retirement requires

medium- or low-equity

administration and 1.5% for

and other parameters.

careful evaluation of your

portfolio. Don’t ignore your

investment management).

circumstances. The key

personal risk tolerance here.

difference is flexibility. With

There is no point investing

on your LA prudently, at

capital that remains after you

a life annuity, you are bound

in a high-equity portfolio for

say 4% to 5% pa, paying an

pass goes to your nominated

to a predetermined income

long-term growth if the stress

additional 2,5% in fees will

beneficiaries (either as a lump

for life, which might feel more

of market volatility sends you

equal half your retirement

sum or an annuity).

secure but, over the long term,

to an early grave. While the

income. This will take years

can penalise you.

share market promises to

off your savings. One of the

do to increase your retirement

boost your returns, it will also

flexibilities with a living

pot once you have stopped

test your nerve.

annuity is that you are not

working, there’s much you can

10X Investments.

Choosing between a

You may be very active in your sixties and seventies, incurring travel

Despite the many

If you are drawing down

mix and the fees you pay.

Financial planning tools

One of the attractions of a living annuity is that any

While there is little you can

tied to a provider so, if your

do to make your savings last: a

and recreational expenses,

the portfolio building blocks

fees are too high, you can

low-cost high-equity portfolio

requiring a higher, more

together yourself, or you could

switch to a provider that

can add many years of

flexible income to start

choose to invest in a balanced

charges less, ideally less

sustainable income, provided

and a lower, more secure

multi-asset fund – the latter

than 1%. The 10X Living

you draw down prudently.

income later. A living annuity

being the more prudent.

Annuity does not charge for

But, ultimately, the best way to

advice or administration, and

control your anxiety is to stay

accommodates these realities

You may consider putting

Your savings will be

Importantly, don’t view

by allowing you to choose

your living annuity portfolio

investors pay a maximum

informed, to control what you

your investments and

in isolation. If you have

fee of 0.87% (including VAT),

can, and to accept what you

income. However, flexibility

significant non-retirement

which reduces for amounts

can’t. And, famously, to know

brings the responsibility of

savings or other income

above R5m.

the difference. •

16

SILVER DIGEST // SUMMER 2020/2021

5 MONEY

DAMAGING MYTHS ABOUT WILLS BUSTED

W

hen it comes to

Myth 2: ‘It doesn’t really matter if

however, while the marriage was

estate planning, we

my will could possibly be invalid,

dissolved by a divorce order in

still unfortunately

as my heirs can always apply to

2011, he did not amend his will. In

encounter many misconceptions

the court to validate my will.’

2016, the deceased then sent an

about the drafting and executing

An important judgement in this

email to the applicant confirming

of a last will and testament. In

respect was given in May last year

that if he died all his assets and

particular, there are five key myths

by the Western Cape Division of

investments should go to her.

about wills in South Africa that

the High Court, Cape Town, in the

urgently need busting to ensure

court case of Dryden v Harrison

with costs as the court was

that your wishes are smoothly and

and Others.

not satisfied that the deceased

successfully carried out, and that

The application was dismissed

The applicant, who was in a

intended this email to be his last

your loved ones are cared for after

romantic relationship with the

will and testament, as he did not

your passing.

deceased, sought an order that a

proceed to formally execute a will

will in the form of an email from

that complied with the necessary

Myth 1: ‘If I die without a valid will,

the deceased be accepted by the

formalities as prescribed in

my estate will go to the State!’

court as a valid will. This will was

the Wills Act. This goes to show

If you die without a valid

declared invalid by the Master

the importance of a properly

will, then the Intestate Succession Act will regulate who the beneficiaries of your estate will be.

as it did not comply with the

executed will.

formalities stipulated in the Wills Act. In certain instances, a court may order the

Myth 3: ‘It will be in order if I sign my will today and let two witnesses sign tomorrow, as I do

The beneficiaries

Master to accept a

not have two witnesses with me

may include a

document as a valid

right now.’

spouse, biological

will even though

In a South Gauteng High Court

children, adopted

the document does

case, Karani v Karani NO and

children, parents or

not comply with all

other blood relatives

the legal formalities.

as determined by the

However, the court must

applicable clauses of the Intestate Succession Act. It’s only when there is a total

be satisfied that the document

Others, the will of the deceased did not comply with the specific legal formality that a will must be signed by the person making

was drafted or executed by the

the will in the presence of two or

person who subsequently died, and

more competent witnesses. These

lack of beneficiaries that your

that the deceased person intended

witnesses must also sign the will in

estate will devolve upon the

the document to be his or her will.

the presence of the person making

Guardian’s Fund (Master of the

The deceased in the Dryden

the will, and of each other.

High Court), and if it is unclaimed

case had previously executed a

after a period of 30 years, it will be

will in 2006 that bequeathed his

two witnesses did sign the

forfeited to the State.

estate to his then-spouse. Notably,

contested will. However, the first

18

SILVER DIGEST // SUMMER 2020/2021

In the case of Karani v Karani,

WEALTH

witness did not sign the will in the presence of the deceased or the

immovable property is located.

The first reason is that certain

this by referring you to suitable professionals in other jurisdictions.

second witness. In the end, the

countries have statutory rights

court found the will to be a forgery

like forced heirship, and a South

Myth 5: ‘I don’t need a long,

and declared it invalid.

African will that deals with the

complex will – my one-page will is

foreign asset will never be able

more than sufficient.’

the remark that witnesses to a will

to override the rights of certain

Clients sometimes complain about

should also sign each page, despite

family members to inherit within

a will being way too long or too

the fact that the Wills Act only

that jurisdiction. Furthermore, a

complex. But while a one-page will

requires that the creator of a will

probate (court authority) will be

with all the required formalities is

sign each page of a multi-page will.

required in most foreign countries

better than no will, it will seldom

The reason for this is to mitigate any

to deal with the foreign asset,

make provision (for example) for

potential dispute between heirs and

because South African Letters

a testamentary trust to be formed

family members in the future.

Furthermore, the court made

of Executorship may not be

in cases where a minor inherits. If

It’s a misconception that the

accepted or recognised. Lastly, it

these provisions are not stipulated,

formalities required for execution

is important to note that English

then the minor’s inheritance must

of a valid will are overrated or

might not be the legal language of

be paid to the Guardian’s Fund.

unnecessary. We, for example, often

the particular country, and it might

have clients who return their wills

therefore necessitate a sworn

uncertain future scenarios, and are

to us signed only by themselves.

translation of the will.

intended to help resolve unforeseen

They then request that someone in

When drafting local and foreign

The wills that we draft cater for

circumstances that may arise.

our offices witness the will for them,

wills, it is also vital that the two

They are very comprehensive and

which we, obviously, are unable to

wills complement each other. The

therefore lengthy documents.

do. The fact of the matter is that by

last thing you want, for instance, is

not complying with the formalities

for one of the wills to erroneously

CONSULT A PROFESSIONAL

of the Wills Act, you can potentially

revoke the other because the

Consult a professional to assist you

invalidate your will. This could

revocation clauses were not drafted

with the drafting and execution

result in dire consequences for your

in accordance with each other. It’s

of a will, as they should know the

heirs at a time when they already

thus important for you to tell the

specific formalities that need to be

have enough on their plate.

people drafting your will that you

complied with in terms of South

have multiple wills, and to perhaps

African law. The ultimate goal is to

Myth 4: ‘I have immovable

have a single person co-ordinating

make sure you have a valid will that

property offshore, but that is

the drafting of your local and your

properly executes your last wishes

covered in my South African will.’

offshore will.

when you are no longer here. •

If you have executed a will in

It therefore makes sense to

South Africa that does not specify

involve a professional in the

that the jurisdiction of the will is

relevant foreign jurisdiction

only South Africa, it will in terms

where your immovable property

of our law cover your worldwide

is situated to draft a will

estate. However, if immovable

dealing only with that

property is involved, we strongly

asset, as this will

advise that you have a separate

potentially save time

will drafted by a professional

and costs. Citadel is

in the jurisdiction where the

able to assist you with WWW.SILVER DIGEST.CO.ZA

19

Health …

9 TIPS TO DEAL WITH Menopause usually starts when you’re in your early 50s. Fortunately, if patients follow these easy steps, they can ease the symptoms considerably.

1

QUIT SMOKING Studies have found that women

who smoke tend to get earlier menopause, have worse hot flushes, and don’t respond as well to HRT (hormone replacement

news: it’s not much of a consolation, but at least there are products that

to bad moods and bad migraines.

2

symptoms in this day and age,” said Dr Joshua Matambo, an obstetrician and gynaecologist at Mediclinic Newcastle. “It is important to discuss your concerns with your

ZAP YOUR ZITS As if the headaches and hot

flushes weren’t enough, acne is another common complaint during menopause. Switch to gentler cosmetics and moisturisers, which won’t clog your pores. Words to look for on the packaging are ‘non-

healthcare professional so that the

comedogenic’ and ‘non-acnegenic’.

appropriate lifestyle changes and

6

therapeutic options – which do not necessarily include hormone

he said.

sun, which could dry and damage

5

“No woman should be

the informed decision-making,”

harsh chemicals, and stay out of the

Avoid colouring products that have

your hair.

suffering from menopausal

concerns, as well as be involved in

8

can help you save what you have.

therapy) pills.

ASK YOUR DOCTOR

that they can also express their

KEEP YOUR COOL Hot flushes at night are known,

GET PLENTY OF REST Your sleeping patterns might

take a knock – and that could lead Getting some exercise will help you sleep better at night, even if it’s just a walk during the day. You may want to talk to your GP about sleeping pills. If you do, ask for short-term remedies. You don’t want to add more meds to your mix.

9

MANAGE YOUR MOODS Menopause is what happens

when your body stops producing eggs (biologists think it’s there to help prevent women

in some cases, to last a couple of

having dangerous late-life

started.”

minutes. Keep cool by switching to

pregnancies). But while your

3

thinner pyjamas and lighter blankets

periods are ending, premenstrual

and use a bedside fan to keep the

syndrome (PMS) is going down

room temperature down.

swinging. If you had bad PMS,

replacement therapy – can be

KEEP A DIARY Certain things – like caffeine,

alcohol, hunger, or (of all things) hot rooms – can trigger hot flushes.

Keep a diary of your possible

7

INVOLVE YOUR PARTNER Although the health problems

your body’s hormonal changes during menopause might cause even bigger mood swings. Ask your

may be personal, you shouldn’t try to

gynae or GP about low-dose birth

around them.

do this on your own. Dr Matambo has

control pills or antidepressants (or

4

some sound advice for any woman

alternatives) to help manage those

who’s suffering from menopause. “I

mood swings. •

triggers and find ways to work

PROTECT YOUR HAIR Bad news: your hair could

start thinning or shedding. Good

20

always advise my patients to come with their husband or partner so

SILVER DIGEST // SUMMER 2020/2021

This article was first published on www. medicalacademic.co.za on 9 January 2020.

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H E A LT H

WHAT AN OPHTHALMOLOGIST WANTS YOU TO KNOW ABOUT CATARACTS

L

orraine Petersen from

unlikely to notice changes to your

break up the cataract with a probe

Mitchell’s Plain explains that

vision initially, a cataract may grow

that produces ultrasound waves

her mother’s failing eyesight

denser and cloud more of the lens

and sucks out the fragments,” says

was affecting her quality

over time. This can make your

of life. “Her cataracts

vision foggy as less light

made it difficult for

reaches the retina. It’s

her to see and she

rather like looking

lost confidence.

through a misted-up

At one point, she

window.

stopped going

Dr Gerber.

“For cataracts that have progressed to the point where patients can only see large hand movements, we can’t use ultrasound to break it up as the cataract is too hard. So we make a bigger incision to remove the

Fortunately,

HOW DO THEY DEVELOP?

Lorraine’s mother

Most cataracts

clouded lens is then replaced

out altogether.”

was selected for

develop slowly and

a cataract removal

are left undiagnosed

procedure at Mediclinic

for a long time. Dr Willem

Milnerton as part of a

Gerber, an ophthalmologist

large-scale corporate social

at Mediclinic Durbanville, explains

cataract as a whole.” The eye’s with a synthetic version called an intraocular lens (IOL) to restore clear vision.

The monofocal IOL has a fixed focus for one distance. Presbyopia-

investment project. After a successful

that as the cataract grows denser,

correcting IOLs (also known as

operation, she’s regained clear vision.

it will lead to more noticeable

multifocal IOLs) have the potential

“I’m very glad she was selected for

symptoms, such as:

to help you see clearly at more

the surgery,” Lorraine says. “She’s

• Clouded, blurred or dim vision

than one distance. Toric IOLs are

able to enjoy her grandchildren’s

• Increasing difficulty with vision

designed to correct both cataracts

school concerts again – and to read the subtitles on TV.”

at night

and astigmatism (an imperfection

• Sensitivity to light and glare

in the curvature of your eye) at the

• Need for brighter light for reading

time of surgery.

WHAT IS A CATARACT?

and other activities

A cataract is a progressive clouding

• Seeing ‘halos’ around lights

of the natural lens of the eye, which

• Frequent changes in eyeglass

Can you prevent them?

In short, no. Although no one knows exactly what causes

is located behind the pupil. This

(spectacle) or contact lens

cataracts, the most common type

clouding can disrupt the vision.

prescription

is related to ageing. “Scientists

“There are many different types

• Fading or yellowing of colours

think there may be several

and causes of cataracts, but the

• Double vision in a single eye.

additional causes for cataracts,

most common is normal age-related

including smoking, diabetes and

degeneration of the eye’s lens,”

WHAT IS THE CURE?

eye injury – either soon after

says Dr Alan Sara, a supporting

The short answer is surgery, with

injury or years later,” says Dr

ophthalmologist at Mediclinic

the intricacy of the procedure being

Aleksic. And although you may

Howick. “If we live long enough, we’re

dependent on how dense the cataract

develop cataracts in both eyes, a

all destined to get them.”

is. “With early cataracts, we do a

cataract cannot spread from one

procedure called phacoemulsification,

eye to the other. •

Dr Zoran Aleksic, a Mediclinic Cape Town ophthalmic

which, in simple terms, is a micro-

surgeon, adds that while you’re

incision surgery technique where we

22

SILVER DIGEST // SUMMER 2020/2021

This article was first published on www. mediclinicinfohub.co.za on 19 October 2020.

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H E A LT H

HOME CARE – QUESTIONS YOU NEED TO ASK! psychological and social circumstances can often complicate care • A 24-hour emergency line is essential • The caregiver should at least have received accredited Quality Council for Trades & Occupations (QCTO) training • South African Nursing Council (SANC) registration is required when the caregiver is a registered nurse or an enrolled

W

hen a home care supplier

nursing assistant • A criminal check must have • A home care supplier’s service

been performed

is chosen, people often

record must be checked as there are

fail to do the necessary

various fly-by-night suppliers that

earn a minimum wage and

don’t necessarily have the required

that the company is registered

experience or accreditation

and fulfils its SARS obligations.

research, as the care might be urgently needed or because price determines the choice of supplier. As home care is

• Services must follow the

• Make sure that the caregiver/s

Overhead costs of a registered

a specialised and unique service and

prescriptions of treating doctors

company can sometimes

caregivers have to adapt to the familiar

and also accommodate the

contribute to marginally

individual needs of a patient

higher service costs, but it is

environment of the patient’s home, it is essential to ask certain questions so

• The evaluation or assessment that

as to be empowered to choose the best

is performed by a registered nurse

supplier for your needs and that your

– before commencement of the

budget allows.

service – must be the basis of the

There are various questions you need to ask before choosing a home care supplier: • A home care supplier must have a home nursing practice (PR)

are properly researched.

A responsible supplier will

formulation and implementation of

ensure its caregivers are trained on

an individual care plan

an ongoing basis as it is important

• Care plans must adhere to sciencebased clinical guidelines • The home care supplier must

for the patient to know that you are receiving the best possible care.

A multi-disciplinary team ensures

number, otherwise the caregiver’s

follow a patient-centred approach

that all needs can be met and that

service hours cannot be claimed

that takes into account the patients’

the individual care plan will keep

from your medical scheme

and family’s preferences, needs

the patients’ best interests at heart.

• A home care supplier must have good relationships with the different medical schemes and

24

important that these aspects

and values, as well as guiding clinical decisions • The home care supplier supports

Although home care is a relatively new concept in South Africa, Medwell SA’s incorporated

know what can be claimed for and

a multi-disciplinary professional

companies had already entered

how, as not all services are paid for

team approach that looks after all

this field in 1996. •

by all medical schemes

the patient’s needs as physical,

www.medwell.co.za

SILVER DIGEST // SUMMER 2020/2021

WHAT WE DO: Medwell SA specialises in providing managed home health care services as an alternative to long term hospitalisation and care in specialised care facilities. Our services include managed care at home, post-hospitalisation, discharge from rehabilitation facilities and also supplying the needed Medical equipment. Our services are rendered to all age groups including the elderly that have become frail. Our aim is to provide patient centred care with an emphasis on the clinical needs and requirements as well as the personal needs of the patient and family involved.

Incorporating:

SERVICES MANAGED HOME NURSING STOMA CARE WOUND CARE POST HOSPITALISATION CARE DEMENTIA & ALZHEIMER’S CARE PALLIATIVE CARE HOME VENTILATION POST-OPERATIVE CARE NURSING PROCEDURES FRAIL CARE FACILITY MANAGEMENT RETIREMENT VILLAGE CONSULTATIONS

MEDICAL REHABILITATION EQUIPMENT WHEELCHAIRS CRUTCHES HOSPITAL BEDS ADULT NAPPIES

BRANCHES: PRETORIA (HEAD OFFICE): 012 347 8344 CAPE TOWN (REGIONAL OFFICE): 021 949 7588

OTHER BRANCHES:

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PORT ELIZABETH 041 363 9962 OVERBERG (HERMANUS/ONRUS) 028 316 3661 PLETTENBERG BAY 044 874 6490 GARDEN ROUTE (GEORGE) 044 874 6490 MEDICAL SUPPLIES AND EQUIPMENT: 012 335 8104

MANAGED HOME NURSING

www.medwell.co.za | info@medwell.co.za

H E A LT H

CBD: A NATURAL SOLUTION TO CHRONIC PAIN AND INFLAMMATION

C

BD (cannabidiol), a non-

the same way as CBD to reduce

intoxicating extract derived

inflammation in the body. But

from the cannabis plant,

unlike these drugs, steroids and

has fast proven itself to be a 100%

opioids, CBD does not have any

safe and highly effective natural

negative side effects – and it

solution to a myriad of health

therefore presents an excellent

conditions and concerns.

natural alternative to these

properties of CBD are thought to

pharmaceuticals.

be behind its apparent potential to

CBD works within an existing system in the body known as the

promote a greater sense of calm.

endocannabinoid system (ECS),

CHRONIC PAIN

Helping to relax tension in the body

whose primary task is to restore

As well as reducing inflammation

and mind, a daily dose of CBD will

homeostasis (balance) throughout

to ease discomfort, CBD is also

in turn provide a better night’s rest.

its various functions and processes.

thought to decrease pain by

Some of the most popular

CBD’s ability to relieve chronic

actually reducing the body’s

pain also contributes to its efficacy

issues that people are using CBD

sensitivity to the pain itself. It is

in helping individuals get some

to treat relate to its powerful

thought by researchers that CBD is

solid shut-eye as, understandably,

anti-inflammatory, analgesic and

able to affect the way that various

severe discomfort can be the cause

anti-anxiety benefits. As such,

stimuli impact pain receptors,

of a disrupted sleep cycle.

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SILVER DIGEST // SUMMER 2020/2021

Leisure …

THE LASTING LEGACY OF

IRMA STERN

I

rma Stern is an important figure in the history of South African art. An undeniable innovator, her portrait

and still life paintings have been especially admired by generations of

Right: Still Life of Dahlias in a Vase with a Basket of Apples, 1945, Swazi Woman, 1927 Below: The Grand Canal – Venice, 1948

collectors. Nearly a half-century after her passing, Stern’s legacy endures and she continues to outperform all other South African artists – she is art auctioneer Strauss & Co’s topselling artist. And who better to take us through the enduring legacy of Irma Stern and her work than Bina Genovese, Joint Managing Director of Strauss & Co.

Q: WHAT DO YOU THINK IT IS ABOUT IRMA STERN AND HER WORK THAT KEEPS LOVERS OF FINE ART AND COLLECTORS WORLDWIDE ENTHRALLED, CONTRIBUTING TO HER ENDURING LEGACY? Born in South Africa in 1894 to German-Jewish immigrants, Irma Stern is distinguished for her unique visual language inspired by the German Expressionists, but with a very strong African flavour. Her vision of the world through her many travels is generously and exuberantly portrayed in terms of vivid colour and energetic paint application. The works she produced document her travels and encounters with people in the places she visited. Stern’s vibrant, lustrous floral studies and deeply

28

SILVER DIGEST // SUMMER 2020/2021

ART VIEW ONLINE GALLERY compelling portraits reveal a

extremely difficult, especially for

in the space provided”, according

larger-than-life, independent and

a woman alone. This inspired her

to the doyenne of South African

courageous woman, who always

evocative and powerful studies of

art history, Esmé Berman. Stern’s

knew the value of her work and

the local people she encountered

1940s flower studies are praised for

never undersold herself. She was a

and their ways of life. [S]he

their ‘molten magma of colour’ and

highly prolific and successful artist

exhibited in Germany and France,

heralded to be among her finest.

– the startling price tags achieved

winning the Prix d’Honneur at the

for her paintings at auction since

Exposition Internationale des Beaux-

Live Virtual Auction, which took

2000 bear testimony to the broad

Arts. According to art historian

place in November 2020, included

base of collectors globally who find

Marion Arnold, this exhibition

15 Stern works, varying from

great pleasure in owning works by

was a roaring success, bringing

works on paper and studies of

this extraordinary artist.

her “widespread interest and

olive pickers and harvesters to

eulogistic comment in French art

some of her most important still

African in Europe: European in

publications”. The European public

lifes with flowers from The Tasso

Africa, by respected art critic and

was enthralled and intrigued by

Foundation Collection, assembled

author Sean O’Toole, is being

her strong African identity and her

by the Late Giulio Bertrand of

published soon and I am very

lively documentation of the places

Morgenster. There was also a

much looking forward to reading

she visited.

beautiful View of the Grand Canal,

A new biography of the artist,

it in full. It encapsulates Irma

Strauss & Co’s NORTH/SOUTH

Venice, full of light and colour,

by her experiences and travels

Q: FLOWERS ARE CENTRAL TO AN APPRECIATION OF IRMA STERN’S BIOGRAPHY AND WORK. PLEASE TELL US ABOUT THIS THEME AND HER RELEVANT WORK ON AUCTION IN NOVEMBER?

through Africa. Her works are a

Stern produced numerous still lifes

synthesis of cultures: African and

throughout her career. They were

European, formed by a singularly

integral to her identity as a painter

individual vision. She is not only

and enabled her to refine her

one of the grand masters of 20

expressionistic use of colour and

Stern as a fascinating product of dual heritage, positioned in the traditions of the European Jewish community and developments of modern Western art, while at the same time being deeply inspired

th

South African painting, she also

dynamic detailing of objects. Stern

takes her place in the canon of

returned again and again to the

modernist art history alongside

blooms that were readily available

international contemporaries like

either in her own garden or from

Max Pechstein, whose influence

the flower market in Adderley

was of vital importance to her

Street in central Cape Town.

development as an artist.

Stern’s highly energised floral

Fiercely independent, she

and the unforgettable portrait of a Swazi Woman that graced the cover of the auction catalogue. • www.straussart.co.za

Below: Olive Pickers, 1962

studies from the 1940s represent

travelled continuously throughout

the apex of her achievement in

her life. Beginning in the 1930s, she

this genre. They exude vitality

undertook many expeditions into

and joy that bursts beyond the

the heart of Africa – to Swaziland,

confines of the picture plane, as if

the Belgian Congo and Zanzibar –

the totality of objects on the canvas

when transcontinental travel was

are “resisting their confinement WWW.SILVER DIGEST.CO.ZA

29

LEISURE

BAKING

A RECIPE FOR SUCCESS THE ULTIMATE GUIDE FOR YOUR BAKING BUSINESS

T

hinking about taking your hobby from confectionary side hustle to a full-time

baking business? The romantic idea that you will spend your days only baking perfect cookies is far from the reality of what it takes to run a profitable baking business.

Cookbook author, business owner

reputation can even save you money on marketing. Being mindful of your patron’s ideas, inputs and even criticisms will help you build a loyal base of return customers and pull in new business.

ASK FOR ASSISTANCE

VIEW HER YOUTUBE CHANNEL HERE

Identifying what is not your strong

and baking aficionado Grace Stevens

point and learning to ask for help in the

shares her most valuable insights into

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what you need to do to begin your

your confidence, as well as the growth

baking business.

and sustainability of your business.

4. Have a contingency plan.

Adding a small amount onto each of your successful orders

SET INFORMED GOALS

5 TOP TIPS ON PRICING THAT YOU NEVER EVEN THOUGHT ABOUT

will ensure you have the budget

Every great cake begins with an amazing recipe. In business, your

1. When selling your masterful

order without running at a loss.

to remake an unsuccessful

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the launch of your start-up and for

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the long term is important to cost

pearl of wisdom that Grace

into every sale.

shares is that you need to

PLAY TO YOUR STRENGTHS

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more experienced.

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know your worth and stick to

Embrace the elements that make

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your creations extraordinary and

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advocates and having a great

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www.gracestevens.co.za

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SILVER DIGEST // SUMMER 2020/2021

ew . vi

nt

to

ST F A ca R ll RT us O to M m IN ak e R1 G an ap po . 6 in tm M e se ea Pl

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LEISURE

BOOKS

SUMMER READING

A book for your coffee table and one for your kitchen – and both make great gifts.

TASHAS INSPIRED: A CELEBRATION OF FOOD & ART

MAURITZFONTEIN: THE STORY OF A KAROO GARDEN At historic Mauritzfontein, a renowned thoroughbred stud near

MAURITZFONTE

A collection of classic recipes

The story of a Karoo

garden

IN

from cuisines around the world, beautifully illustrated with over 80 pieces of original art and stunning

Kimberley in South Africa, there’s

photography. Each of the seven

an astonishing nine-hectare

chapters in the book recreates a

garden that emerged against all

place that has had a lasting impact

odds from the hot, red dust of the

on Natasha Sideris, the founder

surrounding Nama Karoo veld

and creative force behind the

about half a century ago. This

popular tashas boutique cafés

book is the story of that garden’s

Paul Duncan & Art

evolution – much of it the work

in South Africa and the UAE: the hur Mennigke

of horticulturist and landscape

New York deli, the Spanish tapas bar, the Parisian bistro, the Greek

designer Arthur Mennigke, who

taverna, the Levant kitchen, the

inherited a garden pioneered

location. There are green lawns

English country home and the

by Joane Pim in the 1950s. The

and scattered copses, eye-catchers

classic international café. This

native tree species planted half

and vistas, and a vegetable garden

book is more than just a collection

a century ago are reminiscent

producing abundant supplies of

of recipes from around the world.

of what might have been in the

fruit, vegetables and herbs for the

tashas inspired is designed to evoke

Kimberley veld before prospectors

kitchen. Mauritzfontein, The Story

emotion and memory, and to

searching for diamonds stripped

of a Karoo Garden will appeal to

inspire you to create these sensory

it of nearly everything growing

those with an interest in gardens

adventures and experiences in

there. Ranged across two

and horticulture as much as it will

your own home. •

koppies, there is a succulent

appeal to those with an interest

garden teeming with indigenous

in the evolution of a green oasis

horticultural specimens, and

close to where the history of

a woodland garden filled with

industrialised South Africa began..

native tree species. In the grass meadows, endemic plants not seen in the surrounding veld for generations are coming back to life, coaxed by Arthur and a team of gardeners in tune with nature, ecology and this spectacular

32

SILVER DIGEST // SUMMER 2020/2021

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

33

LEISURE

PUZZLES

CROSSWORD

CLICK FOR THESAURUS

34

SILVER DIGEST // SUMMER 2020/2021

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INSPIRING SOUTH AFRICA’S KITCHENS Go to FOOD24.COM for over 20 000 easy recipes + how to cook them