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?
YOUR DREAM COASTAL RETIREMENT
Surrounded by nature and built with care, every home at Renishaw Hills mature lifestyle village delivers far more than just quality, value and affordability. It’s the start of a new adventure and a chance to explore interesting hobbies and activities in a secure and celebrated coastal location. From just R1.6 million, you could soon be enjoying spectacular forest or ocean views with the added convenience of a single monthly levy that covers everything you need and then some. Ready to live the holiday as our residents do? Book a private tour of Renishaw Hills, Scottburgh today when you email sales@renishawhills.co.za or take our virtual tours on www.renishawhills.co.za
Julieann: 084 514 8028 | sales@renishawhills.co.za | www.renishawhills.co.za
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
Ask the Pharmacist Your Clicks Pharmacist can do more than just dispense your medication. We are here to help you. Get advice on your prescription
Identify medication conflicts
We answer any questions on your acute or chronic prescriptions. If there’s anything you are concerned about – speak to us.
Give us a full overview of all your ailments and medication so we can ensure there are no medication contraindications that could harm you.
Let’s talk about generics We offer generic medication alternatives saving you up to 30% on your prescription.
Clinical advice We offer clinical advice on minor illnesses and ailments and identify potential risk factors.
Call 0860 254 257 or visit clicks.co.za to locate your nearest Clicks Pharmacy
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.
WWW.SILVER DIGEST.CO.ZA
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.
WWW.SILVER DIGEST.CO.ZA
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 …
WWW.SILVER DIGEST.CO.ZA
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.
WWW.SILVER DIGEST.CO.ZA
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 18
SILVER DIGEST // WINTER 2021
Breaking up your budgeting and planning for the month into
For more insights on spending
contact us at 012 460 1438. www.finbondmutualbank.co.za
EARN A BETTER INTEREST RATE
WITH A FINBOND 60-MONTH FIXED TERM DEPOSIT OF R 1 MILLION OR MORE
9%
Nom ina cap ital l interest and G
UAR i ANT nterest EED T&C
's ap
ply
0860 44 22 11 E-mail: deposit@finbond.co.za SMS "Silver" to 30635 *Network dependant For a 60-month fixed term deposit of R1m or more Finbond pays nominal interest of 9% per annum. Clients may elect that interest be paid out monthly, quarterly, semi-annually,or annually - or everything simultaneously at the end of the contract, in which case interest will be compounded monthly. With compound interest, clients have the opportunity to earn interest upon interest. T&C's apply.
GROUP LIMITED www.finbond.co.za
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.
Are you taking heart, diabetes, asthma, HIV or other medication? Sign up and get your
medication delivered to your door.
It’s convenient - your medication is delivered to your door.
Stay safe - avoid a trip to the pharmacy.
Stay on schedule - never run out of your medication.
Sign up now, it’s FREE and easy 0860 737 328 OR
Sign Up
Sign up online
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
l
l
WONDERDAL
LUXURY ACCOMMODATION
l
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
CLICK TO SHOP BOOKS
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 // WINTER 2021
SUBSCRIBE
NOW
FINWEEK IS SOUTH AFRICA’S LEADING INVESTMENT AND FINANCIAL MAGAZINE. WE DELIVER IN-DEPTH REPORTING ON BUSINESS AND THE ECONOMY, EQUIPPING OUR READERS TO MAKE SOUND INVESTMENT AND BUSINESS DECISIONS.
OPINION
COLLECTIVE INSIGHT
ANDILE NTINGI ON THE REVIVAL OF FALLOW FARMLAND
SHARE VIEWS ON
CURRO PEPKOR WOOLWORTHS
THIS IS HOW THE PERCEPTION ON RISK IS CHANGING
FIND US AT: fin24.com/finweek
ENGLISH EDITION
28 May - 10 June 2021
EVERY TWO WEEKS
TRADER’S CORNER
INVESTING WHERE WALL STREET'S BIG GUNS DO
PRINT EDITION
THE FASHIONABLE WAY TO PRESERVE
CA$H
SINGLE ISSUE = R28.80 1 YEAR = R608.40 Offer expires on 31 July 2021.
ZINIO
MAGZTER
ADAPT IT ETSY BAUSCH
FIND US AT: fin24.com/finweek
EVERY TWO WEEKS
HOW SA'S LISTED APPAREL RETAILERS SURVIVED LOCKDOWN
OFFSHORE STOCKS THAT SAVE THE PLANET AND OUR DIGITAL LIVES
NON-FUNGIBLE TOKENS: WHAT IS THIS NEW DIGITAL ASSET CLASS?
BUY NOW AT
9 771024 740005
23195
9 771024 740005
SA: R 36.00 (incl. VAT) NAMIBIA: N$ 36.00
21194
11 June - 24 June 2021
SA: R 36.00 (incl. VAT) NAMIBIA: N$ 36.00
DIGITAL EDITION
SHARE VIEWS ON
ENGLISH EDITION
SUBSCRIPTION OPTIONS*: 7 ISSUES (3 MONTHS) = R226.80 13 ISSUES (6 MONTHS) = R374.40 25 ISSUES (1 YEAR) = R675.00 Offer expires on 31 July 2021. *Includes all postage or delivery costs, South Africa only. TEL: O87 353 1305 SUBS@FINWEEK.CO.ZA
INVESTMENT
WHY A CRYPTO FLUSH-OUT WILL BE HEALTHY
SECURITY: WHAT YOU SHOULD KNOW ABOUT CONTACTLESS PAYMENTS
Living with pain? Headaches, period pain, muscle aches or inflammation?
Don’t let pain affect your quality of life. Ask your Clicks Pharmacist about a suitable Clicks brand pain medication option and get affordable relief.
only at
Clicks
