Silver Digest June/July 2021

ISSUE 10 WINTER JUNE/JULY 2021

Legal advice on divorce and retirement savings

5

property investment trends

7 EXPERTS ON HOW TO HAVE A REWARDING RETIREMENT

Hollywood’s most charming man at 60

Gorgeous

George

Book excerpt:

KRUGER ROUTES

WIN

A COPY O KRUGER ROUF TES.

See page9

Re a d eirveaway g e 28 Se e p a g

Recipes FROM VERGELEGEN

IMMUNITY SUPPORT, ALL YEAR ROUND COVID-19: Is hand

sanitiser enough?

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Contents

…

Bosjes Estate Spens and Winkel p6

MONEY

04 ED’S NOTE

TRAVEL

16 WHAT THE EXPERTS SAY ABOUT RETIREMENT

06 THE ONGOING EVOLUTION OF BOSJES

Discover the beautiful new additions to BOSJES Estate – the Spens and the Winkel.

09 BOOK EXTRACT: KRUGER ROUTES

18 CONTENT PARTNERSHIP:

BUDGETING WISELY IN TIMES OF CRISIS

An extract from the new Kruger Park self-drive companion, plus reader giveaway!

What do the experts want you to know to make your retirement a rewarding one?

Finbond Mutual Bank’s advice on managing your money to optimise its value.

20 DIVORCE AND RETIREMENT SAVINGS

What are the legal implications of divorce when it comes to retirement savings?

21 PROPERTY INVESTMENT TRENDS

Re a d eirveaway g Se e p a g

e9

Renishaw Hills shares the top 5 trends in property investment one year into pandemic.

HEALTH FEATURE 12 GORGEOUS GEORGE

George Clooney at 60!

22 IMMUNITY SUPPORT, ALL YEAR ROUND

A balanced immune system is key to protect the body from illness.

24 IS HAND SANITISER ENOUGH?

Is hand sanitiser the best safeguard against COVID-19?

LEISURE DINING

26 You haven’t experienced high tea properly until you’ve experienced the art of the Russian tea ceremony at Hazendal.

RECIPES

28 Recipes from Vergelegen wine estate’s gorgeous recipe book, A Cape Table. PLUS Reader Giveaway.

BOOKS

32 What to read this winter…

33 SUDOKU 34 CROSSWORD WWW.SILVER DIGEST.CO.ZA

3

Ed's note …

@SILVERDIGEST

A

of the pandemic, it sometimes

try to provide some interest and

seems almost impossible to

entertainment. So, along with some of

find anything else that occupies our

the more serious insights we have about

minds quite as insistently. Wave after

finances and health, we have allowed

wave batters us, levels of lockdown are

ourselves some diversion. We have a

ratcheted up and down accordingly,

wonderful extract from the book Kruger

s much as we are fatigued by talk

In the meantime, we at Silver Digest

the rollout of vaccinations

Routes – a smaller, soft-cover

crawls along… and we keep have been disrupted in so many ways, from how little we’ve been able to

version of the authors’ Kruger

Sign up for our

discussing it. Our lives

Self-Drive – to allow our

new email newsletter.

minds an opportunity

If you would like to receive more of the features you’ve come to love direct to your inbox, simply head to

to wander to a time when we can enjoy the

see our loved ones, to the

www.silverdigest.co.za to sign

incredible natural life

extent to which our travel

up – like the magazine, it’s

our country has to offer.

plans have been halted, and

(We have a copy to give

also absolutely free.

a myriad other ways. Simply

away, so turn to page 9 to find

living day to day with the endless fear and anxiety is exhausting. We’re all feeling the distress. What can we do?

We’ve decided one of the most hopeful

out more.)

We also have a selection of recipes from the wine estate Vergelegen’s gorgeous recipe book, A Cape Table (another

things we can do is simply to carry on,

giveaway on page 28), filled with recipes

try do what we’ve always done, and keep

from the estate’s renowned restaurants.

looking forward. It’s amazing how the little

It’s a feast for the eyes as much as for the

things, even simply noticing the changing

tastebuds and the stomach.

of the seasons, grounds us and reminds

And as light diversion, we mull over

us that, while the whole world seemed

the life and legacy of the seemingly

for a time to come to a stop, the earth

ageless George Clooney, who this year

keeps moving in its cyclical way and finds

turned 60!

ways to renew itself. Most of all, it helps

Enjoy the read, take time to do

remind us that this too shall pass. One day,

the puzzles, and take good care of

perhaps not too long off, we will be able

yourselves. We’ll be back again in Spring

to venture safely out into the world again.

with a new issue.

Graham

SILVER DIGEST AUTUMN GIVEAWAY WINNERS Congratulations to the winners of the reader giveaways in the last issue of Silver Digest. Two lucky readers, Grete Robinson

EDITORIAL EDITOR: Graham Wood Email: graham.wood@newmedia.co.za SUB EDITOR: Anita van der Merwe LAYOUT & DESIGN: Julia van Schalkwyk PHOTOGRAPHY Cover: Kathy Hutchins / 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 2021 Published by New Media, a division of Media24 (PTY) Ltd Head Office: New Media, a division of Media24 (Pty) Ltd, 8th floor, Media24 Centre, 40 Heerengracht, Cape Town, 8001 Postal Address: PO Box 440, Green Point, Cape Town, 8051 Tel: +27 (0)21 4062002 newmedia@newmedia.co.za Silver Digest is printed and bound by CTP Printers – Cape Town.

from Cape Town and Meryl Roberts from Bryanston each won a pack of FutureLife Repair Food. Lucille Parkins from Port Alfred won a copy of tashas Inspired.

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 // WINTER 2021

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Travel …

PHOTOGRAPHS: DAVE SOUTHWOOD

THE ONGOING

EVOLUTION OF

That includes hand-woven scarves from Barrydale

B

Weavers, vintage wooden toys from a local craftsman, and a range of custom-made puzzles, colouring books

OSJES Estate is brimming with new

and crocheted soft toys that celebrate the wildlife of

energy as it reveals the next phase

BOSJES estate.

in its evolution, with a new high-

“We also believe in reusing and repurposing,” adds

design pantry-style coffee shop and farm shop set amid

Mooney, who sought out local antique stores to supply

imaginatively landscaped indigenous gardens.

beautiful vintage ceramics.

Situated in the scenic Breede River valley, just over an hour’s drive from Cape Town, BOSJES has grown in stature

FRESH BAKES AND COUNTRY FLAVOURS

and acclaim since opening in March 2017.

A short walk through the gardens brings visitors to the

“This latest expansion really establishes BOSJES as a leading destination in the Cape winelands,” explains Carlen Vorster, CEO of Hospitality & Marketing. “And, even

shop and well-stocked country pantry.

On the shelves, discover seasonal preserves using

more importantly, the expanded outdoor areas allow us to

fruit from the valley – think pickled garlic, fig and

welcome day-visitors over the weekends; a time when the

almond jam, and onion marmalade – while glass

estate was often closed for private functions.”

displays are filled with breads, pastries and patisserie

Creating imaginative outdoor spaces was key to the design of the new gardens, and “we’ve really focused

from talented pastry chef Rafieq Jacobs.

But it’s on the menu from Head Chef Kim Cox that the

the expansion to attract families looking to spend time

Spens shows its true colours, with an array of delicious

together outdoors”, adds Vorster. “It really is a perfect fit

dishes that’ll take care of hunger pangs from breakfast

with the BOSJES philosophy of making people more aware

right through to lazy afternoon picnics.

of the beauty of nature.”

Within the new garden, guests can enjoy two new

With a firm focus on seasonal eating, the Spens menu is flexible enough for most plates to be enjoyed indoors,

visitor offerings on the estate, the BOSJES Spens and the

where the playful décor and long banquettes by Liam

BOSJES Winkel. The Winkel is BOSJES’ contemporary

Mooney may tempt on wintry days, or out in the shade of

interpretation of a country store, curated by acclaimed

the lemon groves amid the gardens.

interior designer Liam Mooney, who has filled the space

Breakfast focuses on classic plates – French toast

with a covetable collection of bespoke wares, local crafts

and caramelised banana, through to Eggs Benedict on

and upcycled décor. “The Winkel is a wonderful curation

potato rösti – while the pre-ordered Farm Platter boxes

of old and new, artisanal and unique,” explains Mooney.

and On The Move menu is designed for families looking

“It was important that we supported local craftsmen and

to enjoy a picnic in the gardens.

suppliers as much as possible.”

6

Spens, which blends the best elements of a café, coffee

SILVER DIGEST // WINTER 2021

Continued …

LOCAL

The new BOSJES Spens blends the best elements of a café, coffee shop and country pantry.

WWW.SILVER DIGEST.CO.ZA

7

T R AV E L The Boombrug is a treetopwalkway that meanders through a remarkable indigenous woodland.

Here, generous sandwiches and inventive salads offer healthy grab-and-go options, alongside a mouthwatering range of freshly baked farm pies and quiches.

All outdoor dining packaging is biodegradable, and includes eco-friendly bamboo cutlery.

For diners settling in at the Spens – no reservations, so arrive early – Cox’s well-priced lunch menu takes inspiration from both the estate’s own gardens and the seasonal bounty of the Breede River valley.

Fresh flavour-packed starters run from mangosesame chicken salad and salmon croquettes, to the signature Bosjes Caesar salad. Mains are bolder in flavour and plating, with the likes of Karoo lamb

The woodland merges subtly into beds planted with

shoulder with potato and pea salad, or a delicious

a wide array of indigenous grasses, succulents and

pork porchetta with apple and celery relish. There’s

bulbs, each carefully chosen to ensure a planting palette

plenty of plant-based inspiration on offer

of seasonal interest that celebrates the colourful

too, including herby quinoa and harissa-

diversity of Cape flora.

roasted cauliflower, and a Mediterranean

Both the Spens and the Winkel are

vegetable bowl with spicy tomato sauce.

partially built into the hillside, the roofs

If that wasn’t enough to keep Cox busy,

overlaid with soil and planted with

there’s a dedicated Kiddies’ menu

indigenous grasses and succulents to

on offer, while Flatbread Friday

blend seamlessly into the landscape,

dishes up piping-hot flatbreads with

leaving the panoramic mountains

inspired toppings.

views untouched.

“My focus has always been on

The built and natural environment

food that’s simply fresh and full of

merge effortlessly here too, with

flavour,” says Cox. “Whether it’s a

the curved trellises of oak – a subtle

beautiful salad with leaves fresh from

reference to traditional cattle kraals

the gardens, or a delicious Wagyu burger

– serving as a visual focus that twists and

on a rich brioche bun, it’s about approachable,

guides visitors inwards. Over time, these

uncomplicated cooking that over-delivers on value and flavour every time.”

WOODLANDS WANDERING & ENDANGERED FYNBOS An Insta-friendly highlight of the garden is the

extensive trellises will be further integrated into the The Winkel is a contemporary interpretation of a country store with bespoke wares, local crafts and upcycled décor.

garden, with more than a dozen species of climbing plants – from bougainvillea to honeysuckle, star jasmine to wisteria – adding seasonal colour, texture and aroma to these striking architectural creations.

It’s a perfect blend of culture and tradition,

Boombrug, a treetop-walkway that meanders among

natural beauty and inspired design, and a

the hundreds of trees planted to create the remarkable

continuation of the design philosophy that has

indigenous woodland. Alongside zip-lines and

established BOSJES Estate as one of the leading

entertaining clamber-frames for kids, the Boombrug

destinations in the Cape winelands.

offers panoramic views of the Breede River valley.

“It’s also a platform for people to observe the forest canopy maturing. You can return again and again, and on each visit the forest will have changed,” adds Hugo van Niekerk, landscape architect at Square One. 8

SILVER DIGEST // WINTER 2021

The BOSJES Spens is open from Wednesdays through to Sundays between 08h30 and 16h00.

Bookings are not taken.

BOSJES Estate is closed on Mondays and Tuesdays. www.bosjes.co.za

BOOK EXTRACT: KRUGER ROUTES SELF-DRIVE COMPANION HPH Publishing has introduced Kruger Routes with the condensed version of the bestselling Kruger Self-Drive. Here follows an excerpt of the book to give you a taste of what’s between the covers, focussing on the Southern Kruger.

LOCAL

F

ollowing requests for a travel companion book to the hardcover Kruger Self-Drive by Ingrid van den Berg, with photography by Philip, Ingrid

and Heinrich van den Berg, comes the smaller, softcover version. It includes a complete map of the park with suggested routes from the main camps, coupled with many interesting facts and award-winning photographs from the Van den Bergs.

The book continues the Self-Drive legacy as the ultimate companion to the Kruger Park. It contains descriptions of all routes, including amenities and recommendations on each. Readers will find the section on The Nine Best Drives most useful, while tips on park opening times, seasons, rainfall and weather will help in planning an ideal trip into the park. Distances, hotspots and road ratings all add to the extensive knowledge and assistance this excellent travel book will bring to both new and seasoned park visitors alike.

The Van den Bergs photograph, write and publish books on wildlife and the environment. Their close association with nature took the Van den Bergs on many journeys of discovery into the remotest parts of southern Africa. Passionate about the environment and wildlife, they spend as much time as possible in wild places, studying the intricate interactions and relationships of plants and animals. This guidebook is the culmination of practical bush knowledge gained

CLICK FOR VIDEO

by observation and study over many years.

Continued …

We have a copy to give away

STAND A CHANCE TO WIN

of Kruger Routes, courtesy of HPH Publishing. To stand a chance to win, send an email to info@silverdigest.co.za with ‘Kruger Routes’ in the subject line, your name and contact details by 31 August 2021.

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9

T R AV E L

SOUTHERN KRUGER H4-1 SABIE RIVER ROAD The main attractions of this road are the scenery, the abundance of game and the Sabie River it follows.

Sabisa is the Swati word for ‘frightening’ and refers to the dangers of crossing this river with its slippery rocks and dangerous crocodiles. The views onto the riverbed are spectacular. Elephant, buffalo and grazers regularly cross the road on their way to water. Lion sightings often occur, and even the elusive leopard is regularly seen. The riverine forest attracts a plethora of birds, shy bushbuck, monkeys and baboons, while the thicket vegetation into the interior is ideal habitat for black rhino. Hotspots are the high-water bridge over the Sabie, the Nkuhlu Picnic Site, Lubyelubye River crossing with the occasional appearance of sandstone favoured by lion and klipspringer, and the popular Sunset Dam where people spend hours watching birds, game and other people.

10

SILVER DIGEST // WINTER 2021

LOCAL

H3 MALELANE GATE TO H1-1 This drive initially takes you through a scenic mountainous area covered by broad-leaved vegetation, before it flattens out into gently undulating kudu country, dotted with intermittent impala herds and the occasional predator. Look out for hyena that den under culverts, and wild dog that are seen from time to time. A hotspot is the bridge over the Mlambane River where visibility is good and elephant, lion, leopard and other game often linger. Don’t ignore the turn-off to Renosterpan,

H4-2 GOMONDWANE ROAD

which takes you to a semi-permanent pan. A huge

The road into the park from the far southeast is part

leadwood offers shade while watching game and birds

of the Southern Circle. It traverses the excellent

from your vehicle. Afsaal Picnic Site has a shop, light

grazing area surrounding the Crocodile Bridge

meals, braai facilities and ablutions. The thornveld

Camp. Here the grass is sweet and palatable due

surrounding Afsaal is a particularly good game area

to the underlying basalt soils. High concentrations

with sweet grasses. Thereafter, the road enters the

of grazers attract predators of all kinds and many

Biyamiti basin, which is another hotspot. Scout for

visitors encounter lion and leopard soon after

klipspringer on the koppies, as well as elephant, lion,

entering the park. There is usually some animal

zebra, kudu and impala in this area. Kwaggaspan,

activity at Gezantfombi and this road is also famous

about nine kilometres further, is worth scanning

for good cheetah sightings. At times, wild dog den

carefully with binoculars.

in the vicinity and then sightings are numerous and extremely rewarding. Closer to Lower Sabie, the road follows the Sabie River where leopard and other game are often seen. The road is steeped in history, being one of the first two-tracks into the park built by ranger CR de Laporte. Pioneering traders Joào Albasini (who was Portuguese) and Sardinelli (a Greek) had trading posts here long before it was a park, and the Battle of Gomondwane was one of the first skirmishes between traders and Shangaan warriors.

THE ULTIMATE ROAD IN KRUGER There are many more good roads in Kruger but the best one is the one you are driving on.

Exceptional sightings can happen anywhere.

Kruger Routes is available from www.hphpublishing.co.za.

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11

Feature …

GORGEOUS GEORGE AT

60

George Clooney is the kind of film star that only comes around once in a generation – so much so that he almost seems to belong to another era. As he turns 60, Silver Digest ponders his life and career.

12

SILVER DIGEST // WINTER 2021

GEORGE CLOONEY

T

he standard line on

They had twins, Alexander and

George Clooney is that

Ella, in 2017. They have just turned

he has always looked

four. In interviews, he’s joked that

older than he is. He’s seldom had

his friends his own age all have

difficulty being in the roles of a

kids who have grown up and flown

character a decade older than he

the coop.

is. But now, George Clooney is 60

Perhaps it’s the contradictions

– his birthday was in May – and

about his life that make him

there seems to be something of

hard to pin down. In some ways

a reversal taking place. It’s not

he looks like he’s starting out in

quite that he’s finally catching

life. In others, he’s a Hollywood

up with his appearance, or that

elder statesman. In fact, if you

he now seems younger than he

look at his career since marriage

is. Rather, it’s that the ageless

and kids, there have been fewer

quality he’s had for many years

and fewer film appearances.

makes his age hard to pin

He’s becomes more

down, in a different way

interested in taking on

from before.

directorial roles, and

Even if he was

has also becomes

starting to look his

immersed in

age, however, the

various charitable

circumstances

foundations and

of his life seem

other causes.

to have taken

He was most

on a reversal.

recently in the

IMAGES: CUBANKITE / SHUTTERSTOCK.COM, ANDREA RAFFIN / SHUTTERSTOCK.COM

After an extended

news for starting

period of happy-go-

up a school in Los

lucky bachelorhood,

Angeles to train

Clooney finally got

teenagers for film-

married and settled down in

industry-related jobs, along

2014. His wife, British-Lebanese human rights lawyer Amal (née Alamuddin) is 17 years his junior.

with the likes of Don Cheadle George and Amal Clooney at the Cannes Film Festival in 2016.

and Eva Longoria. He also set up the Clooney Foundation for Justice (CFJ), which advocates for “justice through accountability for human rights abuses around the world”. He has, for many years, been fairly outspoken on a range of issues, from the Trump presidency to the Elgin Marbles.

Continued …

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13

F E AT U R E

Nevertheless, he has spent the past year under lockdown hard at work editing and, more recently, promoting his new film for Netflix, The Midnight Sky, which he stars in and directs. It’s sort of a post-apocalyptic sci-fi story set in the future, in which he plays an astronomer stranded on the North Pole, trying to warn a spaceship full of astronauts not to return to earth, which has become toxic and uninhabitable.

Like a lot of what he does, it combines entertainment and seriousness, reflecting on some of what the pandemic has taught us without being too explicit.

George Clooney (left) with his ER co-stars with their Screen Actors Guild Awards in 1997.

It received mixed critical reviews, but still spawned a plethora of interviews and

Clooney’s younger self is played

associated with the coffee brand

by Peck’s grandson, Ethan!) And

Nespresso, for example – which

he is known for eschewing the

has helped fund some of his other

temptations of social media.

projects, including more serious

After a year of lockdown, and

(read: less profitable) films.

features, and catapulted Clooney

the crushing effect it has had on

He has proven his acting

onto the cover of GQ magazine

cinema, not to mention the rise and

chops, winning an Oscar for his

with an Icon of the Year award.

rise of streaming services, maybe

supporting role in 2005’s Syriana,

It seems he can do no wrong.

he is the last iconic film star. The

and narrowly missing out on

One interviewer commented,

opportunity to have a career like

in a profile years ago in the

his might never exist in the

New Yorker, that Clooney

same way again.

seemed like an advocate

He shot to fame

for fame itself.

playing a doctor

For a long time,

another to Daniel Day-Lewis for his role in Michael Clayton. But, for the most part, his success seems to lie in a reversal of his Hollywood persona, which

on the hit medical

might be characterised as hugely

Clooney looked like

drama TV series

charming but always hinting

the last of a certain

ER, and graduated

at some sort of roguishness or

breed of big-screen

to the big screen

mischief. His taste for pranks and

fairly effortlessly

practical jokes is legendary. From

stars. Part of his appeal lay in the slightly old-

– although his films

fashioned aspect of his

include an odd mixture

particular brand of glamour and charm. He seemed like a Hollywood leading man in the mould of Cary Grant or Gregory Peck, but somehow transported to the modern era, rather than a modern media creation.

(In fact, in The Midnight Sky,

14

SILVER DIGEST // WINTER 2021

of roles, from quirky Coen Ethan Peck, grandson of legendary actor Gregory Peck, plays plays a young Clooney in Midnight Sky.

brothers films to the Ocean’s 11

Danny Ocean to the Fantastic Mr Fox, he’s been most adept at playing charming villains!

Clooney’s legendary charm

franchise, a dud turn as Batman,

and effortless skill as an

and a star turn as the voice of Wes

interviewee, appearing candid

Anderson’s Fantastic Mr Fox, based

while giving very little away,

on the Roald Dahl book.

sometimes make him seem like

He’s also not been averse to taking on adverts – he’s long been

‘George Clooney’ is the character he plays best of all.

GEORGE CLOONEY

And indeed, despite the years

turns out that the largest part

medical drama series ER, which

of George Clooney’s fortune has

only came when he was well

nothing to do with his career as

into his 30s, there is something

an actor or director. His greatest

charmed and cinematographic

financial windfall came when he

about his life. At times, another

sold a tequila brand he started

interviewer once suggested, he

with two friends (one of whom is

has seemed to live his life for the

the husband of Cindy Crawford,

stories and anecdotes.

Rande Gerber) for a billion dollars.

For example, one legendary

IMAGES: FEATUREFLASH PHOTO AGENCY / SHUTTERSTOCK.COM, KATHY HUTCHINS / SHUTTERSTOCK.COM, DEBBY WONG / SHUTTERSTOCK.COM

In another strange turn, it

of slog before his breakthrough in

The brand, Casamigos, was named

tale saw him giving 14 friends

after the houses he and Gerber

each a million dollars. After

built next to each other in Mexico.

the space film Gravity brought a

They originally formalised the

surprising windfall, he invited

brand so that they could bring

his oldest and dearest friends

their homemade tequila to the US

over to dinner, and afterwards

without breaking the law!

gave them each a suitcase with a million dollars of cash inside.

(Rather than a fee for his role in Gravity, Clooney agreed to take a share of the profits. He said in an interview that its makers

George Clooney won the award for Best Actor Motion Picture Drama at the 2012 Golden Globe Awards for his role in The Descendants.

thought it would be a flop, but it turned out to be a surprising

So now, George Clooney finds

success. At the time,

himself rich and famous, both

with no wife and no

charmed and charming, on the

kids, he decided he

eve of a new chapter, not only of

would rather thank

his life, but you could even say

everyone whose sofas

a new era of human existence.

he slept on and who

That legendary persona, the

had helped him

extravagant gestures, the

out and lent him

dedication to his craft and the

money when he was

seemingly effortless success,

broke while he was

has made him into ‘the George

still alive.)

Clooney’ and earned him his giant status in the pantheon of Hollywood Icons. But it seems he will be living his life, at an age when many are preparing to retire, doing the one thing

George Clooney and Sandra Bullock at the premier of Gravity in New York in 2013.

he hasn’t done yet – having an ordinary family. Whatever that might mean for George Clooney.

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15

Money …

MONEY

WHAT THE EXPERTS SAY ABOUT RETIREMENT

R

IT’S YOUR POSITIVELY SELFISH SEASON

cheapest vehicle, as you may end

event – it’s a life stage.

So, what do the experts

Linda Remke, COMENSA Master

the terrain you want to drive on.

Coach, EVEOLVE Coaching

You start with the right vehicle

etirement isn’t a once-off

want you to know to make yours a

up with one that is unsuited to

(solution: living annuity, life

rewarding one? Read on to find out.

Linda is a firm believer in

annuity, with-profit annuity),

RETIREMENT IS JUST A TAX EVENT

recognising that retirement

Janet Hugo, Director of Sterling

yourself permission

Private Wealth and FPI Financial

to seek what matters

Planner of the Year 2018

most to you, and

your needs. Part

how you can impact

of this will be the

is your season to give

then you select the correct engine (low-risk, high-risk etc.) that would be perfect for

Putting an unconventional spin on

others. “This starts

maintenance plan

her top tip for retirement, Janet

by looking inward,

you need and select

suggests you shouldn’t retire – at

realigning and

(financial adviser

least not in the traditional sense.

reaffirming who you

“[Retirement] should be treated

are and how you would

as an opportunity, if you have

like to see this season play

sufficient money, to incorporate

out,” she says. “Many call it

flexibility into your lifestyle,” she

a season of ‘making a difference’

explains. “The clients that I’ve

and of performing meaningful

seen who embrace retirement and

work, which is often, if not always,

have done it successfully are the

linked to your purpose and

DON’T LIMIT THE GROWTH ASSETS IN YOUR PORTFOLIO

ones who continue participating

passion – the legacy you would

Hester van der Merwe, Financial

in their community and in work to

like to leave behind.”

Planner at Ultima Financial

and ongoing advice) and only then, once you have made sure these aspects are correct, do you start negotiating the price.”

Planners and FPI Financial Planner

some degree.”

of the Year 2020

parts of your community, and don’t

YOUR FINANCIAL STARTING POINT SHOULD NEVER BE FEES, BUT THE CORRECT VEHICLE FOR YOUR NEEDS

allow financial worries to ruin this

Rocco Carr, Business Development

portfolio, compared to the number

well-earned phase of your life.

Manager, Glacier

of years you now have to rely

For richer, more meaningful retirement years, engage with different areas of life or different

“Think of the number of years spent on building your retirement

on that portfolio to provide an

“Work with a financial adviser so that your cashflow requirements

Rocco draws an analogy for

income,” says Hester. “This is key,

and your investment strategies are

selecting the best retirement

because inflation is the biggest

dealt with properly, and hand those

income solutions suited to you:

enemy of people in retirement

over to them to get that worry out of

“When you want to start 4X4

and must not be ignored or

the way,” she adds.

driving, you don’t start with the

underplayed.”

16

SILVER DIGEST // WINTER 2021

WE A LT H

ENSURE THAT YOU ARE MENTALLY AND PHYSICALLY READY FOR THE JOURNEY AHEAD Dr Lerato Masemola, Resident Doctor at Thari Health Excellence “Being ready can be the difference

balanced outlook and do your best

WORK OUT YOUR ‘WHY’

between enjoying many golden years,

to be proactive about the changes

Hilary Henderson, Retirement Coach

or many years being miserable, with

that come up in your life.”

at Valueneurs

NOW IS THE TIME TO ENJOY YOUR MONEY

Hilary believes you can only get so

Masemola. If you let your diet and exercise regime slide during your

Hardi Swart, Director of Autus

needs if you don’t know how you’ll

working years, it’s not too late to get

Private Clients and FPI Financial

spend your retirement. Reflecting on

back into healthy habits. “It is never

Planner of the Year 2019

your reason for existing will shape

subsequent unwanted mental and even physical ill health,” says Dr

too late to make better food choices

far worrying about your financial

how your retirement years will

and start exercising. Do any exercise

Instead of focusing on leaving

be used and, in turn, the financial

that you can,” says Dr Masemola.

assets to your children and

needs these present. “The central

“Even walking daily or doing gentle

therefore adopting a financially

consideration is: what is going to

exercise classes offer great health

conservative lifestyle, rather

get you out of bed in the morning

benefits, including boosting your

channel funds into experiences

when you don’t have to be at work

mood.”

or purchases that make you

on time?” she says. “Whether you

happy. “My philosophy is that

end up working part-time, looking

health is vitally important too, as

Taking care of your mental

your responsibility towards your

after grandchildren or an elderly

one of the biggest changes in your

kids is that you give them love

parent, travelling the world or simply

daily routine will be adjusting to

and a good education. Other than

developing your hobbies, you would

less social interaction than you

that, you’ve got no responsibility

do well to start by working out your

were accustomed to while working

towards them,” says Hardi. “When

‘why’, the reason for your existence,

alongside colleagues. “The change of

I talk to my retired clients, I say,

which leads on to planning the kind

the daily routine can result in anxiety

‘Rather enjoy your money and do

of retirement you want.”

with or without depression,” says Dr

stuff that makes you happy, or

Masemola. “Being in a retirement

use your money to go visit your

village or social clubs for the retired

children and spend time with

adviser before you take any

can benefit some, while it can be

them, rather than holding on to

action regarding your savings and

daunting for others as they struggle

your money because you just want

investments.

to accept that they are now ‘old’,” she

to leave them something when

continues. “It is important to keep a

you pass away.’”

Please consult with a financial

This feature first appeared on www. moneymarketing.co.za on 8 April 2021.

WWW.SILVER DIGEST.CO.ZA

17

MONEY

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

BUDGETING WISELY IN TIMES OF CRISIS

I

n a low-interest environment, such as currently experienced in South Africa, it can become

more and more difficult to live on a fixed income basis. There are, however, ways in which one can manage one’s money more effectively in order to optimise its value. Here optimisation does not necessarily mean taking more risk with your money or investing in other asset classes. The route is much easier and much simpler than one might think. The secret lies in planning, and the core to the success of planning effectively lies in self-discipline.

Careful planning and taking cognisance of spending habits

planning your day than they are

weeks and weekends will allow

can lead to a level of financial

about financially budgeting for

you to plan each week and each

freedom that can be enjoyed by

your week or your day. Effectively

weekend well ahead of time, giving

all. This starts with budgeting

planning your week and your day,

you the comfort and peace of mind

realistically on a monthly basis.

especially your weekends, will

that what you have planned is

The first priority is always to take

allow you to prioritise and plan

within your financial reach. This

care of your basic human needs

your spending habits for that

will allow you the freedom to enjoy

and to make sure you have enough

week or day. For example, if you

the precious moments that matter

money available to fulfil those

are planning an outing with the

most, instead of worrying about

needs. But budgeting is not just

grandkids, decide beforehand

your financial concerns. After

about basic human needs – it is

what you want to do, where you

all, quality time is really the most

also about living the life you have

want to go, and how much you

precious thing in life.

planned for yourself. In order to

are willing to spend. You can then

achieve this level of budgeting, it

review that decision measured

your money wisely and effective

becomes very important to not

against your monthly budget and

budgeting, Finbond Mutual Bank

only look at monthly expenses but

decide whether it is affordable or

has recently released its latest

to break them down into weekly

not. If you see that it is not, you

version of the book Spend Wisely,

needs, and daily needs and wants.

still have time and the option to

i.e. Your guide to budgeting in times

do something else or to pick a

of crisis by consumer activist and

achieve but most things that

more affordable activity with the

financial expert Ina Wilken. To

are worth it, aren’t. Weekly and

grandkids.

get your free copy today, please

This is not always easy to

daily needs budgeting are more about planning your week and

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MONEY

DIVORCE AND RETIREMENT SAVINGS

BY JAYA LEIBOWITZ, SENIOR LEGAL ADVISER AT ALLAN GRAY

A

lthough the official

and pension interest in any

In this regime, you and your

member retires or withdraws

other retirement fund (e.g.

spouse each own 50% of the

from that retirement fund,

a pension fund, provident

assets and liabilities in the

he/she will be liable for

fund, pension/provident

estate (joint estate), and upon

tax on the retirement or

preservation fund).

divorce each spouse has a

withdrawal benefit.

statistics for South

“It is therefore important

50% claim against the other,”

to be aware that a 100%

she says. “If you do not want

during COVID-19 are yet

pension interest deduction

to have a joint estate, you

to be released, globally the

from a retirement annuity

must conclude an antenuptial

pandemic sent divorce rates

fund may not be the full value

contract, either with or

WHAT ABOUT LIVING OR LIFE ANNUITIES PURCHASED WITH RETIREMENT BENEFITS?

soaring by up to 30% or more

in the fund. Furthermore,

without accrual.”

Pension interest deductions

during 2020. According to

if a member has multiple

DIY Legal, South Africa ranks

Africa’s divorce rate

If without accrual, each

only apply to retirement funds

accounts in a retirement fund,

spouse keeps their own assets

and do not apply to compulsory

in 83rd place out of 154

pension interest is calculated

and there is no claim against

annuities, such as living

countries for divorce.

at fund level and not at account

the other’s assets. If accrual

annuities. Once a member has

level. The divorce order must

is included, at divorce the

exited the fund, the pension

overlooked in the process

therefore refer to the fund and

spouse with the larger estate

interest in the retirement

leading up to divorce, but

not an individual account.

(assets less liabilities) must

fund no longer exists. Despite

equally messy to navigate, is

However, the member may

pay the difference between

the annuity policy not being

what the implications of such

elect which account in the

her/his estate and the estate of

a consideration for pension

a decision are on a couple’s

retirement fund the pension

the other spouse to the spouse

interest, a recent court

financial affairs,” says Jaya

interest deduction must be

with the smaller estate.

judgement held that the future

Leibowitz, senior legal adviser

made from,” says Leibowitz.

“An issue that is often

at Allan Gray.

“Importantly, if you are

value of annuity income forms

married out of community

part of the policyholder’s estate

of property without accrual

and must be included when

after 1 November 1984, your

calculating the accrual for a

spouse has no claim for

marriage out of community of

implications, especially when

DOES PENSION INTEREST APPLY TO ALL MATRIMONIAL PROPERTY REGIMES?

pension interest from your

property with accrual.

it comes to retirement savings.

Leibowitz explains that the

retirement savings.”

Leibowitz says that divorce is a traumatic and life-altering experience with wide-ranging

“A ‘pension interest’

three different matrimonial

“Most importantly, people who are in the process

deduction allows a non-

property regimes in South Africa are: 1) marriage in

WHO IS RESPONSIBLE FOR THE TAX?

of a divorce must ensure

member spouse to be eligible for a pension benefit from the

community of property, 2)

In terms of the provisions of

court order and settlement

member spouse’s pension

marriage out of community of

the Income Tax Act, if the non-

agreement is in line with legal

from the date of divorce. It

property without accrual, and

member spouse elects to take a

requirements. If the order is

doesn’t take into consideration

3) marriage out of community

cash lump sum, the benefit will

granted and the wording is

the duration of the marriage

of property with accrual.

or whether you were married

“The default if

be taxed in his/her hands.

However, if the benefit

not competent, the fund will not be able to give effect to

when you first became a

you marry without

member of the retirement

concluding an

fund,” she says.

antenuptial

retirement fund,

its original order, which is a

contract is a

the benefit will

lengthy and costly exercise,”

distinguishes between

marriage in

be transferred

adds Leibowitz.

pension interest in a

community

tax-free. When

retirement annuity fund,

of property.

the non-

A pension interest

20

SILVER DIGEST // WINTER 2021

is transferred

that the wording of the

to another

the order. This will require the court to formally amend

This feature first appeared in the April 2021 issue of Moneymarking.

MONEY

TOP 5 TRENDS

IN PROPERTY INVESTMENT ONE YEAR INTO PANDEMIC PHOTOGRAPHY: KERAN BARKER

T

“Although the concept of retirement is becoming passé, most are looking at starting a new adventure by relocating to a secure estate. We’re also noting a number of younger investors coming through and renting out

the coast with the most popular price

the property in the interim.”

bracket in the R1.5m mark and below.”

he disruption of the past

2. NATURE-BASED LIVING

5. SMALL TOWNS AS PRIMARY RESIDENCE

year has dramatically

According to Phil Barker, there’s a trend

“Most people looking for property

shifted mindsets with many

of moving away from lock-up-and-go

on the KZN South Coast are

prioritising lifestyle when making

apartment living, with buyers looking

looking for permanent residence,

big decisions. This has filtered

for more open space. Properties that

rather than holiday homes,”

through to the property market,

are close to nature are high in demand,

explains Evans.

with significant trends emerging

so residents can enjoy the fresh air

that indicate KwaZulu-Natal’s

and views. Easy access to the ocean, as

by the ability to continue working

coastal, nature-based estates are

well as forests and reserves for nature

remotely, and the desire to ‘live the

prime locations for South African

walks, are being prioritised.

investors.

Phil Barker, of Renishaw

This has largely been prompted

holiday’ and benefit from more cost-effective living has

3. MORE SPACE

seen such coastal areas

Property Developments on the KZN

“With the baby-boomer

South Coast, says the relaxing of

generation reaching

Barker says, “Really,

lockdown regulations has resulted

retirement age, there

if you can live and

in a spike in interest for property

continues to be a

work anywhere,

along the coast. “There has

demand for secure

then why not choose

definitely been a shift in mindset,

mature lifestyle

a sea view and great

particularly among those who are

estates,” said Barker,

looking at a retirement investment.

who added that, rather

Many people who’ve been on the

than retiring completely,

fence about this decision were

the generation is choosing

prompted, during lockdown, to take

to consult in their field of

the leap and move to the coast. This

expertise or start up new ventures.

is a welcome trend and we expect to see more of it.”

“This means, where boomers once

rise in demand. As

quality of life over the busy city?”

Renishaw Hills, the Scottburgh-based mature lifestyle village, works into all the current property trends.

Quality-built homes in a secure

wanted to downsize, there is now

estate with ocean and forest views,

a strong demand for homes with a

access to nature trails, a sense of

second or third bedroom that can be

community and incredible value

converted into an office to facilitate

for money have attracted people

1. MARKET REMAINS BUOYANT

working from home, as well as a

looking to start a new adventure.

Jeff Evans of Tyson Property Group

reasonably high-speed uncapped

says the market ‘remains buoyant’

internet connection.”

Here are some of the trends noted in coastal properties:

following the lockdown spike,

To find out more about living the holiday life at Renishaw Hills, book

with interest in the KZN South

4. EARLY INVESTMENT

a tour with all relevant health

Coast coming from everywhere.

“The new phrase is ‘I don’t do

and safety measures adhered to

“Whether upsizing or downsizing,

retirement; I do life’, which is

at info@renishawhills.co.za or

people are looking at property on

inspirational,” continued Barker.

visit www.renishawhills.co.za WWW.SILVER DIGEST.CO.ZA

21

Health …

Pelargonium sidoides

The lifecycle of a virus can be divided into several major stages:

IMMUNITY SUPPORT, ALL YEAR ROUND A balanced immune system is key to protect the body from illness, all year round. The first line of defence involves a healthy lifestyle.

S

attachment, entry, uncoating, replication, maturation, and release.

FLUGON®’s herbal ingredients interfere with this viral life cycle. The herbal antivirals in FLUGON® help lessen the severity of symptoms and help shorten the duration of cold or flu while reducing the speed of viral replication. The four key herbal ingredients contained in FLUGON® are:

everal components of a healthy

times of the year. Winter, for instance,

• Pelargonium

lifestyle have been shown to

is the time of year when cold or flu

• Quercetin

play a key role in supporting

viruses are more prevalent.

• Echinacea

the immune system. Evidence

Viruses pose a considerable

• Elderberry.

suggests that regular moderate

challenge to the body’s immune

activity is particularly beneficial for

system because they hide inside cells.

PELARGONIUM SIDOIDES

immune enhancement and reducing

This makes it difficult for antibodies

Many herbal medicines used in

the risk of infection.

to reach them. Viruses attach

ethnomedicine are beneficial in the

themselves to different host cells

treatment of infectious conditions such

hydrated and managing stress are

in the body and inject their genetic

as respiratory ailments, cold and flu.

all components of a healthy lifestyle.

material into it. The viral DNA or

Avoiding nutritional deficiencies

RNA incorporates itself into the host

are derived from the plant

seems the most pragmatic nutritional

cell’s genetic material where the virus

Pelargonium sidoides, also known as

strategy. This can be achieved with

replicates. During release, the newly

the African geranium. Interest in

a balanced diet, which includes

created viruses are released from the

P. sidoides and its extract, EPs 7630,

a variety of fruits and vegetables.

host cell, which causes the host cell to

has been heightened by reports of

Further benefit may be gained from

break apart. It is important to realise

therapeutic benefits in infectious

some supplements that support a

that a viral infection does not always

conditions of the respiratory tract,

healthy diet, helping to prepare the

lead to illness. The viral infection

such as TB and related diseases.

body’s immune system to fight off

occurs when the virus begins to

unwanted infections.

replicate and multiply. The illness or

immunomodulatory effects

disease only occurs when many body

that increase the release of pro-

following vitamins and minerals to

cells are damaged by the infection,

inflammatory cytokines, which

help support the immune system:

which is also when the symptoms

are responsible for supporting

• Vitamin D3

appear. That is why a strong immune

an immune response. It has also

• Zinc

system plays such a vital role – if the

been demonstrated to have an

• Selenium

immune system manages to fight off

indirect antibacterial effect through

• Vitamin C

the virus that entered the cells and

inhibition of bacterial adhesion to

replicated (before the host cells are

human epithelial cells. It interferes

damaged), the patient will not get sick

with the virus so it cannot attach to

strong immune systems all

(develop symptoms). The body will,

the surface of epithelial cells, thereby

year round, they may be more

however, respond in different ways to

lowering the potential replication of

compromised or at risk at certain

fight these foreign bodies.

the virus.

Getting enough sleep, staying

The FLUGON® range contains the

Even though our bodies need

22

SILVER DIGEST // WINTER 2021

Locally, many such medicines

Pelargonium sidoides has strong

H E A LT H

QUERCETIN

and antiallergic properties characterised by

controlled trials and systematic

Quercetin is widely found in the plant

stimulation of the immune system, antiviral

reviews, such as those published

kingdom, including in oak trees (Quercus

activity, inhibition of histamine release.

by the Cochrane Collaboration,

spp.), onions (Allium cepa) and tea

Pelargonium sidoides extract EPs

(Camellia sinensis). Quercetin is also found in

inflammation suppressor for diseases like

7630 was shown to be effective in

red wine, grapefruit, onions, apples, black

allergic rhinitis and asthma. A study found

acute respiratory tract infections

tea, and, in lesser amounts, in leafy green

that quercetin-loaded microemulsion

(aRTI) in all investigated age

vegetables and beans. It has effects on many

had a powerful anti-inflammatory effect

groups. Following the therapeutic

different enzymatic systems in the body,

and inhibited, in a dose-dependent

use of EPs 7630 in modern

most of them via its interaction with the

way, eosinophil recruitment to the

phytomedicine for the treatment of

calcium-regulating enzyme calmodulin.

bronchoalveolar lavage fluid,

In numerous randomised

upper respiratory tract infections,

Quercetin has both antioxidant and

the demonstrated antiviral effects

anti-inflammatory activity. It is known for

of this extract against a panel

its antioxidant activity in radical scavenging

Quercetin is an effective eosinophilic

as well as reducing mucous production in the lungs.

of viruses, including seasonal influenza A virus strains (H1N1, H3N2), respiratory syncytial virus, human coronavirus, parainfluenza virus and coxsackie virus, provided evidence of feasible beneficial effects in patients suffering from acute bronchitis and related

ELDERBERRY EXTRACT

infectious diseases.

Elderberry (Sambucus nigra L.) has a long history of being used

In multiple studies, adverse

in treating colds and influenza. This folk belief has been partly

events associated with

validated by the results of some studies, which show that

P. sidoides were assessed as being

elderberries do indeed have significant benefits against cold

non-serious, minor, or transitory,

and influenza symptoms. Elderberry’s antiviral properties are

with the most frequent adverse

a function of its proven ability to prevent viral replication by

events being mild gastrointestinal

neutralising hemagglutinin spikes on the surface of viruses. This

complaints.

prevents viral replication by neutralising viral surface proteins.

IN CONCLUSION ECHINACEA

Nature’s cycle will run its course

Echinacea is a flowering plant that grows in the US

and viruses will continue to

and Canada, also called coneflower.

be with us, especially during

As a herbal medicine, it has been used for

plays a vital role in fighting

cold, coughs, bronchitis, upper respiratory infections,

infections. FLUGON® supports

and some inflammatory conditions.

immunity and helps to shorten the

Echinacea has important immune support and

duration of cold or flu symptoms.

anti-inflammatory properties, especially for the

Furthermore, FLUGON® is non-

alleviation of cold symptoms. It interferes with the

drowsy and can be taken daily for

ability of the flu virus to attach to and enter epithelial

immune support.

cells and may prevent the replication of the virus within infected cells.

Echinacea

winter. A strong immune system

centuries, customarily as a treatment for the common

This feature first appeared in the May 2021 edition of Medical Chronicle.

WWW.SILVER DIGEST.CO.ZA

23

H E A LT H

IS HAND SANITISER ENOUGH? You seem to be spritzing all the time – at the shops, restaurants, and at home. But is hand sanitiser the best defence against COVID-19?

“

Clean hands, open heart”

mucous membranes [by rubbing

remove actual dirt and debris,”

has become a mantra during

your eyes or nose],” says Christine

says Smedley. “Soap kills germs,

the ongoing coronavirus

Smedley, Infection Prevention and

binds them, and with the water,

pandemic – and rightly so. The

Control Co-ordinator: Mediclinic

helps physically remove them off

question mark, however, is about

SA. Performing hand hygiene

your skin and down the drain.”

the most effective and safest way

reduces the risk.

to clean your hands.

Remember to wash your hands

The Centre for Disease

often with soap and water for at

Control and Prevention (CDC)

least 20 seconds, especially after

hand-sanitising sprays and gels

recommends washing your hands

blowing your nose, coughing, or

and you probably keep a bottle

with soap and water whenever

sneezing. It’s especially important

Although the focus has been on

or two in your car or bag, it’s best to think of these as a portable alternative when you can’t access

possible to reduce germs, droplets and chemicals on your hands. But if soap and

to wash before…

• eating or preparing food • touching your face

water are unavailable,

soap and water. Yes,

using a hand sanitiser

… and after

contrary to what you

with at least 70%

• using the bathroom

may think, soap and

alcohol can help you

• leaving a public place

water is the most

avoid getting sick and

• blowing your nose, coughing or

effective way to kill viruses and remove them from your hands.

It’s important to understand

spreading germs and

sneezing

viruses to others.

• handling your mask

Alcohol-based hand

• changing a nappy

sanitisers can quickly reduce

• caring for someone sick

that respiratory illnesses, such

the number of microbes on hands

as those caused by the common

in some situations, but they

• touching animals or pets.

cold viruses, SARS-CoV-2,

don’t eliminate all types of germs.

seasonal influenza and respiratory

Also, you might not be using

performed together with observing

syncytial virus (RSV), are spread

enough sanitiser or may wipe it off

social distancing, wearing a mask

via droplets. When someone who

before it’s dried.

and avoiding crowded, poorly

Hand hygiene must be

has the illness coughs or sneezes,

Research shows that, while

this disperses droplets into the air,

hand sanitisers can be effective in

which others then inhale.

a hospital setting where hands are

be stored out of the reach of young

generally clean, they may not be

children and only used with adult

may also occur when respiratory

as effective in other environments

supervision.

secretions that fall onto surfaces

when your hands are visibly

are transmitted by the hands to

dirty or greasy. “Sanitiser doesn’t

“Transmission of viruses

24

SILVER DIGEST // WINTER 2021

ventilated spaces.

Remember, hand sanitisers should

This feature first appeared on www. mediclinicinfohub.co.za on 1 June 2021.

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Leisure …

A

t Hazendal, they believe that you haven’t experienced high tea properly until

you’ve experienced the art of the Russian Tea Ceremony. Captivating

WHY THIS

high tea

IN CAPE TOWN SHOULD \ BE ON YOUR BUCKET LIST

and unique, it’s a ceremony unlike

Russia’s chilly climate. Tea was first

was first exported from China to

any other.

introduced to Russia in the 16th

Europe and America, the long

century, but its popularity began to

voyage caused green tea to quickly

HOW DOES A RUSSIAN TEA CEREMONY DIFFER FROM A TRADITIONAL HIGH TEA?

soar in the 17th century when it was

deteriorate. It could take up to

available almost exclusively to royalty

18 months to complete the trip,

and other extremely wealthy Russians.

after all. Chinese tea producers,

There are many traditions that

(The exorbitant cost of tea was a result

therefore, needed to come up

make up the Russian tea ceremony.

of the circuitous trade route from

with a solution. They found a way

It’s not only about indulging taste

China to Russia via camel caravan.) It

to roll, oxidise and dry the tea

buds, but your other senses too.

was only in the 19th century that tea

to help it retain its vitality and

Take, for instance, the artistry of

became more widely accessible to the

quality for longer. To dry the tea,

the traditional, colourful samovar.

greater public, due to new and better

it was placed in bamboo baskets

This special tea apparatus is used

transport routes via train.

on racks in drying rooms, which

to boil water and to keep it hot for

were built over ovens. The ovens

dispensing at a moment’s notice.

THE FABLES OF FLAVOUR

were fired with pinewood from the

It takes pride of place in the centre

Certain types of black tea, like

surrounding forests that gave this

of the table and is decorated with

the speciality Tsar blend used in

particular tea its distinctive flavour

baranki biscuits that symbolise

Hazendal’s Russian tea, have a rich,

and aroma.

wealth and prosperity. Black loose

smoky intensity to them. When tea

leaf tea concentrate (zavarka) is placed in a teapot attached to the top of the samovar, and brewed to

CLICK TO BOOK ONLINE

WHAT TO EXPECT AT A RUSSIAN TEA CEREMONY AT HAZENDAL

the perfect strength. A samovar can

Naturally, you’ll be served the

come in different body shapes and

finest black tea, specially sourced

designs, which creates the vessel’s

for Hazendal and brewed in a

distinctive ‘song’ when the water

traditional samovar at your table.

starts to boil. Sight, sound, even

You’ll also indulge in a variety

touch and smell come together to

of decadent savoury and sweet

create a delightful experience for all

delicacies, including blinis, baranki,

the senses.

and other traditional Russian delights, while you relax in the

THE INTRIGUING HISTORY OF RUSSIAN TEA

opulent Russian Team Room with

It’s not only the ceremony and

gardens and working cellar.

views over the tasting lounge,

apparatus that are unique, but

A special youngsters’ menu is

the tea itself. Tea has a long and

available too, ideal for tween guests,

rich heritage in Russia. It is widely

making it the perfect way to bond

considered the country’s national

with your loved ones.

drink – hardly surprising, given

www.hazendal.co.za

26

SILVER DIGEST // WINTER 2021

The winelands desination for all your journeys WINE TASTING LOUNGE WEDDINGS

l

l

BABUSHKA DELI

CONFERENCES AND EVENTS

KIDS EDU-PLAY

l

GOLF

l

+27(0)21 205 5620

l

l

RUSSIAN TEA EXPERIENCE

MARVOL GALLERY

HIGH TECH DRIVING RANGE

l

l

l

l

JAZZ CLUB

PICNICS l

l

PIVNUSHKA BEER GARDEN

VINTAGE CAR PAVILLION

ADVENTURE PUTTING PARK

BOTTELARY ROAD, STELLENBOSCH, SOUTH AFRICA

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WONDERDAL

LUXURY ACCOMMODATION

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HAZENDAL.CO.ZA

LEISURE

RECIPES FROM VERGELEGEN Vergelegen wine estate has a gorgeous recipe book, A Cape Table, filled with recipes from the estate’s renowned restaurants, Stables and Camphors, as well as its stylish and contemporary picnic fare. We bring you a taste…

FROM ‘CAMPHORS’

Roasted cauliflower with rosemary cream SERVES 4 Cauliflower and rosemary are a special flavour combination. Since the cauliflower caramelises, a hardier herb (like rosemary) is required to bring it to its peak flavour. To ‘stuff’ the dumplings, we’ve used cauliflower purée but you can use a variety of fillings. The dumplings can also be served as an interesting and unforgettable snack.

S

omerset West’s Vergelegen wine estate has

CAULIFLOWER PURÉE

been renowned for its natural beauty and

• 120g butter

memorable cuisine for over 300 years, so fans

• 1 head cauliflower, roughly chopped

will be delighted that they can now recreate their

• about 2L water

favourite restaurant and picnic dishes, and revel in

• salt and ground pepper

remarkable new photographs, with the publication

CAULIFLOWER DUMPLINGS

of A Cape Table by Quivertree Publications.

With outstanding images by Craig Fraser and

• 250ml water

food styling by Anke Roux, interspersed with

• 250g butter

fascinating insights into the estate’s history and

• 1 tsp salt

pedigree, this superb recipe book already features

• 400g flour

on the Gourmand 2021 World Cookbook Awards

• 8 eggs

and Roger Hindley, who head up the Stables family

STAND A CHANCE TO WIN

restaurant and produce the elegant summer picnic

We have a copy to give away

fare, and Michael Cooke, executive chef of the

of A Cape Table, courtesy of

award-winning Camphors signature restaurant.

Vergelegen and Quivertree

ROSEMARY CREAM

publications. To stand a

4 shallots/baby onions, sliced

experiences are each quite different, but all focus

chance to win, send an email

4 cloves garlic, roughly chopped

on “taste and quality, on seasonality, authenticity

to info@silverdigest.co.za with

butter, for cooking

and beauty… in each case, our chefs are inspired

‘A Cape Table’ in the subject

50g fresh rosemary sprigs

by the time of year, by working with nature, and by

line, your name and contact

100ml medium-cream sherry

food that is grown and foraged from this land and

details by 31 August 2021.

250ml white wine

shortlist – Best in the World, Food Culture 2021.

It features recipes from chefs Michael Bridgeman

The book notes that the estate’s dining

our surrounds.”

• 100g fine breadcrumbs (storebought) • 100g white sesame seeds • vegetable oil, for deep-frying

400ml pouring cream salt and ground pepper

28

SILVER DIGEST // WINTER 2021

RECIPES

Place on paper towel to drain and cool.

Using a knife, make a small incision in each dumpling and pipe a generous dollop of the roasted cauliflower purée inside the dumpling. (Keep some purée for serving.)

FOR ROSEMARY CREAM: Sweat the shallots and garlic in butter in a pan, keeping the lid on, until they’re soft and translucent.

Add the rosemary and cook for 2 minutes.

Deglaze by slowly adding the sherry over a low heat, and reduce until the pan is dry.

Add the white wine and reduce by two-thirds.

Pour in the cream and reduce by two-thirds again, until you have a thick sauce.

Strain through a sieve to remove rosemary and season to taste.

CARAMELISED CAULIFLOWER

Blend cauliflower until smooth and

FOR CARAMELISED CAULIFLOWER:

1 head cauliflower

season to taste.

Slice the cauliflower into 2cm thick ‘steaks’ and place in a large pot with

2 cloves garlic, crushed 1 sprig rosemary

FOR DUMPLINGS:

the garlic, rosemary and butter.

1 tbsp butter

Heat the water, butter and salt in a pot

Add just enough water to cover the

about 2L water

until the butter has melted.

cauliflower and simmer on a low heat.

Add the flour, whisk so that it doesn’t

Allow the water to cook out and the

FOR SERVING (OPTIONAL)

go lumpy and cook for 2–3 minutes.

cauliflower to caramelise.

fresh herbs

Transfer to a stand mixer and, using

Remove pan from the heat and let

grated Parmesan

the dough hook, add 1 egg at a time

cauliflower cool before using a spatula

lemon zest

to the mixture until thoroughly

to lift the ‘steaks’ out to serve.

combined.

Place the caramelised cauliflower

FOR CAULIFLOWER PURÉE:

Roll the dough mixture into golf-ball-

‘steaks’ in the centre of four plates

Heat the butter in a pot until melted.

sized dumplings and place on a tray.

and neatly arrange the cauliflower

Add the cauliflower, pour in water to

Refrigerate for about 30 minutes or

dumplings around them.

cover it, put the lid on and cook until

until set.

Spoon a few dollops of the roasted

tender.

Roll the balls in a mix of breadcrumbs

cauliflower purée over.

With the lid off, cook out all the water

and sesame seeds until evenly coated.

Drizzle with rosemary cream and

until the cauliflower caramelises in

Deep-fry at 180˚C (medium-high) until

finish with a sprinkling of fresh herbs,

the butter.

golden.

grated Parmesan or lemon zest.

Continued …

WWW.SILVER DIGEST.CO.ZA

29

LEISURE

FROM ‘STABLES’

Slow-roasted duck ravioli with mushroom sauce SERVES 4 While it’s tempting to buy in, there’s nothing like the real deal and these roast duck-filled pasta parcels of heaven will win you over for certain.

This dish will take a bit of time to prepare but the results are worth it.

There are all sorts of gizmos you can use in pasta-making but we believe in keeping it simple. Hone your technique

MUSHROOM SAUCE

Place it in a bowl, along with the

over time – your family and friends will

• 2 tbsp olive oil

deglazed pan juices. Add stock until the

love you for it.

• 1 medium onion, finely chopped

mixture is moist, but be careful to not

• salt and ground pepper

add too much liquid. Set aside until ready

SLOW-ROASTED DUCK FILLING

• 250g button mushrooms, sliced

to use for filling the ravioli.

• 1 tbsp vegetable oil

• 250ml white wine

• 4 duck legs

• 250ml pouring cream

• 1 large onion, chopped

FOR PASTA DOUGH: In a bowl or stand-up mixer, mix together

• 1 large carrot, chopped

RAVIOLI

the flour, eggs, olive oil and salt.

• 2 celery sticks, chopped

• flour, for dusting

Slowly add water until a dough forms that

• 1 sprig fresh rosemary

• pasta dough

has a silky smooth consistency.

• 1 sprig fresh thyme

• slow-roasted duck filling

Remove and knead on a lightly floured

• 2 cloves garlic

• 1 egg white

surface for 10–15 minutes until smooth.

• 2 star anise

Place in a bowl, cover with clingwrap and

• 1 tsp salt

FOR SERVING

• 1 tsp black pepper

3L water

• 3–4 tbsp chicken stock

fresh herbs, for garnish

PASTA DOUGH

duck breasts with cuts about 10mm apart.

• 500g bread flour

FOR SLOW-ROASTED DUCK FILLING:

• 3 large eggs

Preheat the oven to 160˚C.

Place the duck breasts, skin-side

• 2 tbsp olive oil

In a large saucepan, heat the oil and brown

down, in a cold frying pan. Raise the

• 1 tsp salt

the duck legs until golden.

temperature to a medium heat and

• 50ml water

Place the duck legs in a roasting pan. Add

crisp for approximately 10 minutes, until

the onion, carrot, celery, rosemary, thyme,

golden brown.

DUCK BREAST

whole garlic, star anise, salt and pepper.

Turn them over and add the butter, thyme

• 4 duck breasts

Cover and roast for 2 hours.

and garlic. As it cooks, baste the duck

• salt and ground pepper

Remove from the oven, set the duck legs

breasts with the melted butter and herb

• 100g butter

aside to cool and deglaze the roasting pan

mix for 10 minutes.

• 2 sprigs fresh thyme, leaves picked

on the stovetop using a little hot water.

Remove from the heat and leave the duck

Use your hands to debone and shred the

breasts to rest in the pan. Once rested,

duck meat.

finely slice in preparation for serving.

leave to rest for about an hour.

FOR DUCK BREAST: Using a sharp knife, score the skin of the

and chopped • 1 clove garlic, chopped

30

SILVER DIGEST // WINTER 2021

Season to taste.

RECIPES

FROM ‘PICNICS’

Place the beef in a deep tray. Use a

Heat the olive oil in a pan and sauté the

Bresaola

onion until translucent. Season to taste.

SERVES 4

to smother the meat, covering it on all

Add the mushrooms and wine and

Bresaola, north Italian air-dried beef, is

sides. Cover with clingwrap and place in

reduce by half over medium heat. Add

a brilliant part of any antipasti offering.

the fridge for 2 hours. This will draw out

the cream and reduce until thick. Keep

Making your own isn’t as scary as it

any moisture in the beef.

warm until serving.

sounds, and this wet cure could be your

Lift the beef out of the leeched-out

first step into charcuterie. The trick is to

liquid and pat dry with paper towel.

FOR RAVIOLI:

use good-quality meat and trim it of all

Discard the liquid from the tray and

On a floured surface, divide the dough

excess fat and sinew. Ask your butcher

return the beef to the tray. Add the red

into two portions.

to do this for you, but also request

wine, ensuring that the meat is covered.

Roll out one portion into a rectangular

beautifully marbled meat to ensure a rich,

Return the tray to the fridge, covered

sheet, and hang it over a clean dishcloth

succulent, dark, almost purple result. We

with clingwrap, and marinate overnight.

rack. Roll out the second portion of

just use thyme but you can experiment

The next day, lift the beef out of the

pasta into a rectangle.

with different herbs and spices.

liquid (the meat should have a deep-red

Evenly place dollops of duck filling along

Make this three to four days before.

colour from curing in the wine) and hang

the length of the sheet, about 2cm apart,

• 1.5kg whole beef topside, trimmed

it in a biltong box, if you have one, or a

leaving enough space between each

• 40g coarse salt

store cupboard with a fan.

dollop to seal the ravioli pockets. (You

• 60g brown sugar

Allow the meat to hang and cure for at

should be able to make 20–24 ravioli.)

• 750ml red wine (Cabernet Sauvignon

least three to four days, but it can also

FOR MUSHROOM SAUCE:

Brush exposed dough with some egg white.

or Merlot)

wooden spoon to mix the salt and sugar together in a bowl. Use this as a rub

keep for up to two weeks.

• 100g fresh thyme

Take the second sheet of dough from

SERVING SUGGESTION:

the rack and carefully place over the top

Best sliced super-thin and served as it

of the dough already marked out with

comes. You could also add a little olive

filling. Carefully cut out squares around

oil and lemon juice.

the dollops of filling.

Use a small fork to seal the edges of each pocket all the way around and brush the ravioli with egg white.

Bring a large pot of salted water to the boil. Cook the ravioli for 3–5 minutes (when the ravioli is ready, it will float to the surface).

Using a slotted spoon, remove and set aside. Gently add the cooked ravioli to the hot mushroom sauce and ensure that they’re evenly coated.

SERVING SUGGESTION: Portion out ravioli parcels and sauce into four serving bowls, top with the finely sliced duck breast (we kept it whole for the photo, previous page) and garnish with fresh herbs. We use lemon thyme or sage from our garden, but any herb that’s in season will do. If there are fresh figs

Reprinted with permission from: A Cape Table produced by Quivertree Publications.

available, we use those as garnish, too.

The cost of the book is R450. Purchase it from the estate or mail info@vergelegen.co.za.

WWW.SILVER DIGEST.CO.ZA

31

LEISURE

BOOKS

WINTER READS Snuggle down with a good book this winter...

JUST A MOMENT: A MEMOIR BY SCHALK BURGER SNR In Just a Moment, Schalk Burger Snr, one of the

PALACES OF STONE: UNCOVERING ANCIENT SOUTHERN AFRICAN KINGDOMS BY MIKE MAIN AND THOMAS HUFFMAN

greats of South African

Across the face of southern Africa

rugby, shares the many

are more than 460 remarkable

layers of his colourful

stone palaces – some small,

and eventful life. Rugby

others rambling, but many are

legend and businessman,

astonishing. All are the legacy

wine farmer, cultural

of kingdoms past. Some, such

custodian, musician, father

as Great Zimbabwe, Khami in

and grandfather, Schalk

Botswana and Mapungubwe in South Africa, are famous

Burger takes us on an intensely personal and honest

world heritage sites, but the majority are unknown to

journey through the triumphs and hardships that

the general public, unsung and unappreciated. Palaces

have shaped the life of this much-loved South African.

of Stone brings to life the history of various early African

Burger is a storyteller extraordinaire and will have you

societies, from AD 900 to approximately 1850. By

snorting into your beer as you read about run-ins with

exploring a selection of known and unknown sites, the

officialdom, fisticuffs on the field, how he became the

authors uncover the emergence of ancient civilisations

first white Springbok selected from a coloured team,

and reconstruct the meaning of the ruins they left behind.

and the day Cheeky Watson asked to wash his feet.

Woven into the narrative are stories of powerful political

This is a glimpse into the life and times of one of the

states, flourishing local economies, long-distance trade,

country’s most recognised figures, told through the

and the destruction wrought by colonialism and modern-

stories of the many lives that have intersected with his.

day treasure hunters. This book will appeal to anyone

“Who am I, and how do I live? That is something this

interested in Africa’s ancient heritage.

story will bring out of me.”

THE BOMBER MAFIA: A STORY SET IN WAR BY MALCOLM GLADWELL In the years before the Second World War, in a sleepy air force base in central Alabama, a small group of renegade pilots put forth a radical idea. What if we made bombing so accurate that wars could be fought entirely from the air? What if we could make the brutal clashes between armies on the ground a thing of the past? This book tells the story of what happened when that dream was put to the test. The Bomber Mafia follows the stories of a reclusive Dutch genius and his homemade computer, Winston Churchill’s forbidding best friend, a team of pyromaniacal chemists at Harvard, a brilliant pilot who sang vaudeville tunes to his crew, and the bomber commander, Curtis Emerson LeMay, who would order the bloodiest attack of the Second World War. In this tale of innovation and obsession, Gladwell asks: what happens when technology and best intentions collide in the heat of war? And what is the price of progress?

32

SILVER DIGEST // WINTER 2021

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