SA Magazine 30

The

Issue number 030 December 2012/January 2013

South African

CONNECTING SOUTH AFRICA AND NEW ZEALAND

Free

John Key’s Share Offer page 4

Saving SA’s Rhino page 6

Merry Christmas Happy New Year The South African

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From the editor his is our last magazine for the year. We hope you enjoy reading it, finding your preferred services and networking. To our wonderful advertisers out there, thank you for all your support in 2012. Remember to book your space early in January and together let’s make this magazine successful in 2013. Sweet as!

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Only 3 weeks to Christmas! My, how this year has flown by! Not one of the best of years for the economy, politics nor the general well-being of all. We’ve had a few worldwide disasters and feelings of uncertainty in both the United States and Europe. How will this effect New Zealand in 2013? Time will tell.

The one thing I learnt a long time ago is that we cannot make any changes to huge global issues on our own even though we may feel passionate about them but we can all make a difference to our own lives, to the areas we live in or the businesses we work at, to the people we meet or interact with and to ourselves and our actions. If you work in the service industry always do your best, smile, be polite and, above all, enjoy it. Treat all customers with respect and go the extra mile to validate them. This works in business, and in the home, too.

In this day and age, great customer service surprises me but when it happens I go out of my way to say ‘thank you’ to ensure they are aware that I appreciate what they do and for the excellent service I receive. I will also make a point of informing their employer. It’s the least I can do. Do you?

So what can we expect in 2013? Much of the same, I suppose, if we listen to the economists but we can all make a difference. If we think outside the box and continue looking for the positives instead of the negatives, stop questioning why when something cannot be done but instead changing your attitude and asking ‘how can we get it done?’

The other day a bunch of South Africans were standing around a braai talking about the old days and discussing some of the great Greek, Italian and Portuguese restaurants in South Africa. Someone said Alex made the best ribs and someone else said Tony ‘the Portuguese guy’ made the best peri-peri prawns but here in New Zealand, I say, Serengeti make the best lip-smacking, finger-licking, delicious ribs. Give them a try.

Have an exciting and safe Christmas break. Wear your life jacket when fishing. See you next year!

The

South African PUBLISHER & EDITOR Peter Woodberg e-mail : jepwood@xtra.co.nz; mob: 0274 520 794 ADVERTISING CO-ORDINATOR Sherelee Clarke e-mail: sherelee.samagazine@gmail.com; ph 09 281 5069 ADDRESS The South African, P.O.Box 300 155, Albany, AUCKLAND 0752 17 Corinthian Drive, Albany, AUCKLAND, 0630 JOIN US ON FACEBOOK! THE SOUTH AFRICAN MAGAZINE http://www.facebook.com/groups/401361333247671 CLUBS & ASSOCIATIONS The SANZ Charitable Trust – George Deeb Tel: 09-486 1415 e-mail: george@georgedeeb.co.nz Die Afrikaanse Klub – Thys Oosthuizen e-mail: die.afrikaanse.klub@clear.net.nz Christchurch contact: Linda Klok: e-mail: info@sinzasa.org.nz THE SOUTH AFRICAN HIGH COMMISSION, WELLINGTON Tel: 04 815 8484 Level 7, State Insurance Tower, 1 Willis Street, Wellington. e-mail: consular@sahcwellington.co.nz COVER Trevor Barrett Photography MISSION STATEMENT “The South African Magazine shall provide current, high quality, relevant editorial on subjects relating to the links between South Africa and New Zealand.

It shall be the vehicle for SA immigrants living in NZ to integrate socially with their own community and to advertise their products and services.”

Regards Peter Woodberg

Sherelee Clarke: sherelee.samagazine@gmail.com 2

The South African

LEGAL UPDATE: EMPLOYMENT LAW

I want my money!

Claim it or risk losing some of it!

An employee is awarded $185,147 in lost bonus plus holiday pay but fails to get his interest on the arrears n the August 2012 South African Magazine, I wrote about the need for employees to have a contract. A recent decision in which I acted for the employee, confirms that having a contract that is unambiguous, and which has clear salary and bonus provisions, is an absolute prerequisite!

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On 2 November 2012, the NZ Herald reported the case of a former General Manager of an Auckland textiles company who had won his claim against his ex-employer.

The employee worked for the company from 1999 to 2011.

He had a provision in his contract that he would be paid his bonus entitlement based on total company sales.

In June 2001, he was appointed General Manager, and continued to receive his bonus payments until July 2008.

During July 2008, he was asked to accept a lower bonus, and refused. From then, and in breach of his employment agreement, the company failed to pay him his bonus for more than three years. Despite this, the manager did not take any action to recover his bonus payments, telling the Employment Relations Authority (ERA) that he was worried at the time about losing his job, and that “he viewed his unpaid bonuses as a nest egg which was accruing to him throughout his employment”.

The employee was declared redundant in October 2011. He said in evidence that “it was not until he was made redundant that he decided to pursue his alleged unpaid bonus entitlements” and he brought a dispute against the company for his unpaid bonus, for his annual leave pay accrued on the bonus, and for interest.

The company brought a counterclaim against the ex-manager claiming he had been overpaid bonuses of $266,000 between 2005 and 2008. The Authority member said that the company claimed this amount was incorrectly paid to the ex-employee, “because it wrongly calculated his bonus entitlement based on total company sales instead of his personal sales only”. The counterclaim was dismissed, with the Authority member commenting that the company’s owner and director should have picked the error up at the time.

“I do not consider it just to award interest in respect of the bonus or holiday pay entitlements,” and that if the ex-manager had elected to raise his concern about unpaid bonus payments with C-Force promptly in 2008, then the issue of interest may not have even been relevant.”

In making the award, the Authority Member made the point that the ex-manager “has six years within which to pursue his claim.

I consider it was within his rights to decide at what point he wished to do so”. She was critical of the company saying that if the owner genuinely believed the ex-manager “was only entitled to bonuses on his personal sales then he should have easily identified that the amount of bonus being paid” to the ex-manager “was substantially higher than expected had it been based on personal sales only.”

The success of the claim depended on the interpretation of the relevant bonus clause in the ex-manager’s contract. His contract had been drafted by his solicitor, not by the company, and

once he sued the company, they not only disputed the meaning of the clause, but also brought a huge counterclaim against him which he had to defend.

The lesson to be learned here is that there is a risk to not claiming monies when they are due. The ex-employee lost the interest for the more than three years that the bonus monies remained in the company’s coffers rather than being in his own bank account. Besides this, having to litigate incurs legal costs and is always expensive for both parties. So ask for a contract and get advice before signing it!

Extracts and quotes from the NZ Herald online, 1:30 PM Friday Nov 2, 2012.

The ERA did not accept the company’s argument that by failing to bring the matter up, the ex-manager had accepted the change to his bonus payments.

The Authority ordered the company to pay its former General Manager $185,144.72 in bonus arrears plus annual leave pay on the bonus, saying that the bonus payments awarded were calculated against total company sales, not only personal sales. However the ex-manager’s claim for interest on the award was not successful with the Authority Member saying: The South African

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Government share offer to help build a brighter future for all New Zealanders. ne year ago, the National-led Government was elected with a clear plan to take New Zealand forward. Our plan received overwhelming support from New Zealanders, and we’ve spent the last year getting on with the job, building a brighter future that New Zealanders deserve.

It’s great that I can update the vibrant Kiwi South African community on our progress.

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Our plan has four parts. We are: s RESPONSIBLY MANAGING THE 'OVERNMENT S lNANCES s BUILDING A MORE PRODUCTIVE AND COMPETITIVE ECONOMY s DELIVERING BETTER PUBLIC SERVICES s REBUILDING #HRISTCHURCH Responsibly managing the Government’s ďŹ nances means getting our books in order and getting on top of debt. This is important at a time when the global economic outlook remains uncertain.

We need to ensure New Zealand is protected against any future unexpected economic shocks.

One of the ways we plan to do this, while continuing to fund the public services and infrastructure that you and your family rely

Malcolm McDonald, Ann McDonald, John Key and Simona Woodberg

on, is to offer minority stakes in four energy companies and further shares in Air New Zealand, to New Zealand investors.

We call this the Government share offer, and this will free up capital to reinvest in assets that New Zealanders need, without having to borrow from overseas lenders.

We expect selling shares in the ďŹ ve companies to New Zealand investors will return between $5 billion and $7 billion to the government, which we can reinvest in schools, hospitals, and other infrastructure. The Government will maintain majority control of at least 51 per cent of each company.

The value of the assets government owns on behalf of New Zealanders is forecast to rise from $244 billion to $258 billion over the next four years.

The share offer programme is about ďŹ nding a responsible solution to funding new assets in coming years, while protecting New Zealand’s economy in case of future economic shocks. Like New Zealand households, the Government must also live within its means, so it’s important we’re invest-

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ing in assets New Zealanders need.

The Cabinet has directed ofďŹ cials to prepare Mighty River Power for partial sale between March and June next year, subject to market conditions. Although there may be some issues we’ve got to sort through between now and then, we’re conďŹ dent that we can stick to this timetable. I look forward to updating you on our progress closer to the time.

In the meantime, you can ďŹ nd out more about the Government’s share offer online at https://www.governmentshareoffers.govt.nz/ Pre-Prospectus Disclaimer The Crown is considering offering shares to the public in one or more of Genesis Power Limited, Meridian Energy Ltd, Mighty River Power Ltd, Solid Energy New Zealand Ltd and Air New Zealand Ltd. No money is currently being sought and no applications for shares will be accepted or money received until after an investment statement containing information about the relevant offer of shares is available.

The South African

South African born Kerry-Lee Dewing plays one of Shortland Street’s new babes, Kylie Brown SAMVOA (South African Military Veterans of Australasia) SAMVOA is an ex-servicemen organisation for Military and Police Veterans who were called up, or volunteered to serve South Africa in the SADF/SANDF, SAP/SAPS, or the South Africa Prison Services who now reside in Australia or New Zealand, or their regional countries.

SAMVOA has no affiliation to any political or religious organisation and is a non-sexist. Furthermore, these subjects are not raised or discussed. he left Cape Town in 2002 at the age of 13, and immigrated to Auckland with her mother, Pam Dewing, who owns Hair d’Art in Rothsay Bay on the North Shore.

Back in South Africa she went to Camps Bay Prep, Primary and High School. Kerry-Lee has been dancing since she could walk and acting since she could talk!

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When Kerry-Lee arrived in New Zealand she went to Rangitoto College and then Pinehurst School, before embarking on a two year diploma in Musical Theatre as a natural progression from her heavy involvement in dance. Before she landed her role on Shortland Street she also completed a business degree at Massey University.

We are a single rank organisation with the rank of “Veteran”.

SAMVOA’s strength and direction comes from our veterans and comradeship at Club level. All Veterans will belong to a Club, and they can aspire to serve in any office of the organisation, based on his or her dedication and capability.

See the SAMVOA website to join http://www.samvoa.org/index.html Or contact Chris Pattison: Mobile: 021 231 6612: email: ytrose@vodafone.co.nz

In regards to her new role she says: “I just love the whole environment; the people, the culture. I am so passionate about this craft, and so lucky to be able to come to a place everyday where everyone lives and breathes it. Really nothing can make me happier! In many ways it doesn’t feel like work, because I’m in my element every day.”

Kerry-Lee’s character Kylie was introduced with a very big opening storyline involving a murder mystery. She had 13 scenes to shoot on her second day at Shortland Street.

“That day was daunting, but in fact went really well!” says KerryLee. “Because we were so busy there was no time to stress.”

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www.bushmansgrill.co.nz Tel 09 418 0056 The South African

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Images: Trevor Barrett Photography

ore than 30 rhinos have been killed in South Africa over the past two weeks, taking to 584 rhino slaughtered this year (to date of going to print) to satisfy a booming Asian demand for their horns, the government said Tuesday.

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“A total of 584 rhinos have been lost to illegal killings since the beginning of this year,” said a government statement, up from 455 reported killed on October 16.

South Africa, home to the world’s largest rhino population – more than 18,000 white rhino and around

1,600 critically endangered black rhino – has seen a dizzying spike in the pace of rhino killings.

The animals’ distinctive horns are hacked off to be smuggled to the Asian black market where the fingernail-like substance is falsely believed to have powerful healing properties.

rodisiac and even a cure for cancer.

Authorities have so far arrested 214 suspects in connection with the killings.

Last year, a total of 448 rhinos were poached, up from 333 in 2010 and just 13 in 2007 Most of the rhinos are killed in the world-famous Kruger National Park and their horns turn up on the black market in Vietnam, China and other East Asian nations where they are literally worth their weight in gold.

The horn is touted as a potent aph-

Please donate SA Banking Details The Earth Organization First National Bank Acc: 62080145983 Branch: Westville Branch Code - 223526

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The South African

Dead rhino poacher

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awk shot dead an alleged rhino poacher and injured another during a shootout in the Kruger National Park.

Captain Paul Ramoloka said the Hawks, in partnership with the special anti-poaching task force, received information about the alleged poachers who were spotted near the Sabi Sands private game reserve in Skukuza at around 14:00.

“When our team confronted the four men, they opened fire on the police who returned fire. One of the poachers was killed, another is in hospital while the other two were arrested,” he said.

Police confiscated a hunting rifle, axe, saw and sedan used by the alleged poachers.

Ramoloka said the three men would be charged with attempted murder and being in possession of dangerous weapons.

“We are still trying to link the suspects with some of the rhino poaching which have taken place in the KNP over the past week.”

According to SA National Parks (SANParks) the country had lost 584 rhinos since the beginning of 2012 and 320 of them were killed in the KNP.

Killing for Profit Exposing the illegal rhino horn trade Written by journalist Julian Rademeyer, Killing for Profit is a meticug lous, devastating and revelatory account of one of the world’s most secretive trades.

Musos pitch in to save rhinos

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ocal musicians have added their voices to the fight against rhino poaching. A double CD compilation, featuring some of the country’s top musical talent, has been launched to help save South Africa’s rhinos from extinction. With the help of the local music industry, the Save Our Rhinos CD is the latest attempt at raising awareness. The project is a joint initiative of the Endangered Wildlife T rust (EWT) and Johannesburg-based Sting Music, and aims to increase awareness about rhino poaching while raising funds for anti-poaching initiatives.

The double album features music from a variety of genres from 40 of South Africa’s best loved artists and bands, including Johnny Clegg; Prime Circle; Elvis Blue; Locnville; Wonderboom; Chris Chameleon; aKing; Farryl Purkiss; The Graeme Watkins Project and Lira. The Save Our Rhinos compilation is available at selected music outlets or can be ordered online.

Every person who shows their support by buying a Save Our Ev R Rhinos album, which costs only R150.00, is backing a worthy cause and as a bonus, will have the best of South African music ca at hand. For every sale, 10% of the profits will be donated to the EW efforts to find solutions to rhino poaching.

EWT’s

hristmas is around the corner and a family game is going to make the holidays fun. Retailing at only $25.00!

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Sock & Toss is an awesome game which is the brainchild of Jacquelin (11). At only 9 years of age she had a ‘light bulb moment’ and came up with a novel idea to get families to sit around the diningroom table. Using socks and playing cards she developed a game for 2-6 people from the age of 6 to 60 having fun, using skill and strategy, mostly laughter and spending time together.

As this is her project, she has been involved in all decision making, including the artwork which her sister, Cleo (12), designed. It’s eye-catchy, brightly coloured and comes in its own container so no lost pieces for this game!

Q & A Games Ltd is a family business as family is very important to the Kirton clan and in the busy hustle and bustle

The South African

of life quality time together is sometimes overlooked but vitally important.

Buy one of these games for your children or grandchil-

dren and spend quality time together. They can be bought at Pakuranga Night Market every Saturday, St Thomas school in Kohimarama, Trademe and their website: www.sockandtoss.com.

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Health Insurance: Can you afford not to have it? ublically funded health care is available to New Zealand Residents and Work Permit holders (the work permit must be valid for a minimum of 2 years from the date it was issued). This also applies to those who are looking to take out Private Medical Insurance. If you do not meet these requirements, you can still receive emergency treatment, however, it’s likely you’ll be sent the bill. If you are a visitor to NZ and do not have Travel Insurance, you may be able to apply for a non-residents insurance policy.

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Treatment following an accident is free or heavily subsidised for all people whether or not they are New Zealand residents.

Accident-related treatment is covered by the Accident Compensation Corporation (ACC), but visitors to New Zealand are recommended to have comprehensive travel insurance to meet the costs of expenses that ACC does not cover (including repatriation).

It is an unfortunate fact that most of us do not get through life unscathed. Health insurance provides peace of mind that, if the unforeseen does happen and the public health system cannot help you, you can afford to get expert medical treatment when you really need it.

At one time, health insurance was only for those who preferred to use the private health system. But times have changed.

With the cost of medical treatments and the availability of new procedures and drugs increasing, more and more New Zealanders are going private.

Neil B Clarke

While urgent treatment is available through the public system, people can find themselves in a slow-moving queue for those ailments that aren’t immediately life threatening.

Health insurance eliminates waiting on public waiting lists, getting you treated and on the way to living normally again as soon as possible. That is the primary benefit for most people, and why it is worth considering.

There are other benefits from private health insurance including allowing overseas treatment, accessing different treatments, treatments not available in the public system and assisting with family support in time of crisis or rehabilitation.

To help you decide whether you should consider health insurance, ask yourself the following questions: Is it likely that I would require medical treatment sometime in my life? Can I afford to cover it myself if I don’t want to wait six months or more?

Surgery is expensive, listed below are some examples of common procedures (with indicative costs as at January 2010): Cardiac bypass (heart surgery) $37,000-$45,000 Total Hysterectomy (surgery) $10,000-$13,000

change to another medical insurer if a cheaper premium is available. However, before submitting a new application, keep in mind that you may be forfeiting cover for pre-existing conditions, particularly those newer problems which have occurred since taking out the policy. Adding or increasing an excess with your current insurer may be a better option.

It is important to ensure that, when taking out any insurance, not just medical, details of all medical ailments should be disclosed, no matter how long ago they occurred or how minor they may seem.

We’ve seen a lot of media coverage in recent times which highlights the importance of providing a full medical history.

Failure to provide important information could lead to issues at claim time. The insurer may request a copy of your medical notes which could also include something missed when the application form was originally completed. This can lead to delays at a crucial time, the claim may be declined and additional terms added or worst case scenario, your policy cancelled from inception and the premiums paid over the years may not be refunded.

We’re certainly not saying that changing insurers isn’t an option; it just pays to be mindful and weigh up the pros and cons before making any final decisions.

Knee Replacement $19,000-$23,000 Knee Arthroscopy $4,000-$5,000 With the increasing cost of private medical insurance, it can be tempting to

Information provided as a ‘class’ advice by Neil Clarke AFA (FSP10261) 09 915 0100 – www.hwp.co.nz

FSP10261

Authorised Financial Adviser Phone: 09 915 0100, Mobile: 021 609 247 Email: enquiry@hwp.co.nz www.hwp.co.nz

Insurance:

Life Cover; Trauma Cover; Income Protection

Medical:

Hospital; Specialists & Tests; GP visits; Dental & Optical

ACC:

Review of Cover Types & Levies

Investments:

Unit Trusts; Managed Funds; KiwiSaver

Mortgages:

Access to Bank & Non-Bank options

Big Benefits - Best Rates - Assured HWP Ltd trading since 2001 DISCOUNTED INSURANCE RATES AVAILABLE

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EAST COAST BAYS DENTAL LTD Dentists: Willie Steenkamp Colin Angelo Jan Steenkamp Anneke Steenkamp

Therapist Hygienist

Bookings call: Anna Steenkamp or Annelize Angelo

Phone: 09·478 1300 or 09·478 1309 Mble: 021 192 9592 The South African

Andrew and Kerstin Myers started Motorjobs. Both originally from Durban, they immigrated to New Zealand 11 years ago with their 2 boys; this has since then increased by one. We are Auckland based, with many of our clients spread all around New Zealand. Andrew’s career in the Industry spans 24 years, with the last 4 years he has spent growing his own training and recruitment companies. Motorjobs was born out of his passion for ďŹ nding and retaining good staff in all facets of the Automotive Industry.

We are passionate about helping any type of automotive business, both Franchised and Independent. To ďŹ nd and retain the best available candidates, we are focused on providing you with products and services that are hassle free and exible. Therefore saving you time and giving you the best value for your investment in us.

Another unique factor with Motorjobs is our focus on helping not only the Companies looking for new recruits, but also the person looking for a career change too. To help this person we offer the following services: s #6 RE WRITES 'IVE YOUR #6 THE ATTENTION IT DESERVES 'IVE YOURSELF THE BEST CHANCE ON getting onto that short list. s 6IDEO #6 7HY NOT BE DIFFERENT AND PRESENT YOURSELF WITH A VISUAL #6 s 0RE INTERVIEW PREPARATION COACHING We are committed to help any new immigrants or even anyone who is looking for a career change. For any further information, please contact us by way of our: www.motorjobs.co.nz or email us on: andrew@motorjobs.co.nz or just call me on: 0274242940 or visit our Facebook

page.

The South African

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Miss Africa Wellington, Nina August ina August, originally from Cape Town and currently living in Miramer, was crowned Miss Africa Wellington 2012 to the delight of the 300 strong crowd at The Front Room Centre in Mt Victoria.

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“When they said I had won, it didn’t really feel real to me. I was surprised, happy and shocked all at the same time,â€? said a beaming August. “The night of the Miss Africa was just so exciting and it made me really happy to see the community support the show. It was a really good experience to gain self conďŹ dence and I met some really nice people. My motivation for entering was to meet other people from Africa.â€?

This has been a particular difďŹ cult year for Augusts’ family as her brother passed away due to cancer earlier this year and for that reason the Cancer Society was her obvious choice as the charity of choice.

Thirteen beautiful ladies competed for this title from all over Wellington. The event is designed to promote, inspire and empower young women living in New Zealand. The pageant was a whirlwind day of great entertainment and ethnic foods, actors and poets, and awesome African beauty and fashion. All contestants had to attend workshops about careers, beauty and sexual health and these courses were taught over a 2 month period.

Zimbabwean Samantha Diverias (Upper Hutt) and Tanzanian Martha Nguma (Newtown) were crowned 1st and 2nd princesses respectively.

The contest was ofďŹ cially opened by His Excellency, Mr Ntshinga (SA Deputy High Commissioner). The sponsors were Wellington City Council, New Zealand Aids Foundation, and the Westplaza Hotel.

Nina August

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Our Great BeneďŹ ts are: s 5 "!' IS CONVENIENT n 7E LL COLLECT FROM YOU AND DELIVER TO your home, business and / or hotel at ďŹ nal destination. s 5 "!' IS SAFE SECURE n 7E LL SHRINK WRAP YOUR LUGGAGE for added security at no cost to you. Get free loss, theft and damage cover (terms apply) s 5 "!' IS AFFORDABLE AND RELIABLE n 6ISIT OUR ONLINE quote engine and get the cheapest quotes. Track & trace your baggage online. s 5 "!' 0RICE -ATCH 'UARANTEE n )F YOU lND A LOWER QUOTE elsewhere, we’ll commit to not only matching it but we’ll discount it too(terms apply) U-BAG looks forward to serving all South Africans living in New Zealand.

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The South African

Sacred in Nature

Elaine Venter

by Elaine Venter y journey as an artist, teacher and parent has brought me to a point where I feel a strong calling towards working with art and healing and I’m currently studying towards a masters degree in art therapy through Whitecliffe College of Art and Design. The understanding that art has therapeutic benefits has been central to my life and creative work. It has been used as a tool of symbolic communication as well a means of catharsis and revitalisation.

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For my first masters’ degree, which I did through Rhodes University in Grahamstown, I focused on Environmental art and its contribution to establishing an awareness of the sacred in nature. I created site specific, environmental pieces in the South African landscape in places like Nieu Bethesda, Hogsback and Grahamstown. These were intended to encourage a re-evaluation of our relationship to the environment, connect people to one another, and inspire a sense of the sacred in nature.

In South Africa I lectured and taught visual art and art history to tertiary level students and when moving to New Zealand I worked as the manager of a busy, popular community arts centre. Recently I have taken time away from my career as an academic and arts professional to be a mother and to further my studies. As an

artist and an immigrant, I feel that it is important to establish a relationship with the landscape of my new country. My recent sky and landscape drawings are an attempt to create some sense of connection to this new environment. I am also hoping to focus the research I am doing for my art therapy masters on developing art therapy interventions that can assist with building relationships to the natural word. These interventions will involve processes that encourage participants to interact with and in their natural surroundings in an increasingly deeper and more meaningful way than they might previously have experienced. All of the interventions will result in some form of creative activity, such as drawings, collage, photographs, environmental artworks, or focused activities in order to yield healing results.

Late Afternoon, November

The property finance market With the year rolling to a close, we thought we might just have a quick snapshot of the property finance market at the moment, and the trends we are seeing emerging (again): Interest rates are still looking brilliant for the public. 4.95% for Loan to Value ratios below 80%, fixed for two years, seems to be a favourite amongst our clients at the moment, allowing them to have a budget with the knowledge that they will have the extra income to sink into other projects. With the relaxing of the Loan to Value ratios by banks across the board, it is also the PERFECT time to re-finance to consolidate debt using equity in property.

For those wishing to try their hand at investing, we are now achieving 95% for investment property for the right clients - a far cry from the sub 80% of recent years.

There has been a resurgence of both lifestyle sub-divisions and purchases, and inner city apartment sales, fuelled by both the banks relaxation of lending criteria, and shortage of affordable housing on the city fringe and in the suburbs. This opens the market for home buyers and investors alike.

Increase in the number of non-bank, second tier, mezzanine and asset lenders coming into the market once again, gives buying opportunities for those self-employed with fluctuating income, big on equity and low on income, supporting documentation.

The South African

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Planning

for your Financial Independence John Vincent

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The planning process involves a 5 step approach: 1. Review current situation 2. Set goals 3. Develop plan 4. Implement plan 5. Monitor and review plan Review current situation This is about fully understanding where you currently sit in both personal and business terms.

It involves a full review of all assets and liabilities, income and expenditure, family circumstances, risk and structure for you personally and your business.

A few things to pay particular attention to are: - ownership of assets - who

iven New Zealand’s aging population and the current state of our national superannuation, where it is universally agreed it is unsustainable going forward, it makes sense to ensure that you have a plan of your own to guarantee your financial independence without outside assistance. actually owns them?

- income is excess cash - not the figure you pay tax on - understanding the risk you are currently exposed to Set goals Setting of goals is very important and very personal but once again both personal and business should cover both short and long term, include lifestyle choices and income levels.

The most important thing in setting your goals is to set dates and timeframes for achieving milestones and the most important date to set is that for your financial independence. Remember properly set goals with

realistic outcomes can actually motivate us to achieve.

Develop plan This stage is putting together the road map to your financial independence - the building of a basket of investments to provide sufficient income to achieve your goals - without outside assistance.

There are a raft of investments you can make, which I am not going to go into here, suffice to say that plans are not a one size fits all. We all have different risk profiles but it is absolutely essential, because your plan will involve investments that will carry risk, that you seek specialist advice and tie your investments back to your goals.

Your plan must be flexible, structured correctly and inflation proofed. When planning, be aware of tax issues and or opportunities and understand the risks and plan to manage these.

Implement plan In terms of steps this can be the most difficult, the most expensive and certainly the most stressful, because this is where you back your decisions with real actions and real money.

This is the stage where Is are

dotted and Ts are crossed, where structures are put in place, assets and investments are transferred or purchased, ancillary legal matters such as wills, enduring powers of attorney, gift and risk management are attended too. This is where the whole plan is tied together.

Review and monitor With the plan now up and running it is essential it is reviewed on a regular basis and performance is compared against expectation. Do not be afraid to question previous decisions.

Summary To retire financially independent requires planning. Your plan must be fully integrated and all embracing and be flexible, protected and monitored regularly.

Generally people fail to achieve financial independence through lack of a plan. If you don’t know where you’re going how can you expect to make decisions that best suit you going forward?

Article written by John Vincent of Duberly Vincent 331 Rosedale Road Albany tel 09 415 9900, email john@dva.co.nz.

Bunny Chows eef on the Beach ‘Bunny Chows’ which are made by Gillian have taken Pakuranga Road, Highland Park by storm.

If you’re anywhere in the area on Fridays and Saturdays from 2pm pop in for either a mutton or a vegetable curry bunny, served with salad. Or you can phone them on 09 534 7492 to avoid disappointment and they will have it ready for you when you get there! On Thursdays there’s always a delicious chicken or mutton curry, breyani or vetkoek filled with mince but you need to make that call to find out exactly what’s on the menu. It’s also very important to know that everyday lamb, chicken or veggie samoosas are fried especially for you, at $3.00 each. They’re bigger, better and tastier than ever!

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The South African

“Welcome, Tommy Toad” his is a true story of two toads who come to live in the pet dog’s drinking water bowl and the adventures and interactions that ensue. Besides sharing the story with others and dedicating it to my dog, Badger (a long haired Jack Russell Terrier), my goal was, and still is, to impart the enormous value of Gratitude to parents, caregivers and particularly to children.

This story serves to illustrate the concept of gratitude to our young readers. Feeling and expressing gratitude is life-changing! It encourages us to find and focus on the positive aspects of each day, whatever our circumstances. We then grow to seek out and reach for all that is good.

Joy Sachs, the author, was born and educated in a small town close to Johannesburg. She loved to express herself through writing and

acting and studied Speech and Drama at university. She now lives in Plettenberg Bay and is a lay-counsellor and a Colour Therapist.

Her website details are: www.allaboutjoy.co.za

LINK NZ offices are Licensed REAA08

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SOUTH AFRICA linkbusiness.co.za

AUSTRALIA linkbusiness.com.au

NEW ZEALAND linkbusiness.co.nz 0800 546 528 The authority on selling businesses

Trusted experts when it comes to selling your business

Sell your business with LINK Today!

Carriwell and Annique Available in NZ! racey Crosby of Hawu Mama Ltd is very excited to have recently become the sole New Zealand distributor of the Carriwell Maternity and Nursing product range started in South Africa 15 years ago. The head office is now located in Denmark and most of the products, sold in more than 30 countries, are manufactured in SA and Europe. Tracey enjoyed using the Carriwell products during her first pregnancy and breast-feeding period in SA, but when she fell pregnant again in New Zealand, she struggled to find similar products locally at affordable prices. That is what gave her the idea of approaching Carriwell about starting a distributorship here. She believes her prices are very competitive and is proud of the fact that many of the products are unique to Carriwell. While the business is an online-only store, Tracey attends antenatal or postnatal coffee group ‘parties’, where those attending can view and try on the products. The hostess also receives a free gift and Carriwell gift voucher.

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Another new business venture Tracey is looking forward to, is taking over the NZ distributorship of the Annique Rooibos Health and Beauty range. Many South Africans don’t know that Annique is available in NZ, but it is! And at surprisingly affordable prices. While Tracey will begin by only stocking the most popular skincare, baby care and herbal tea products, she plans to gradually add to the items until

The South African

she is able to offer most, if not all, of the sizeable Annique product range. Annique needs no introduction and has been a trusted, globally respected brand for over 30 years. If you are not completely satisfied with your skincare products, Tracey encourages you to try Annique and guarantees you won’t be disappointed. She will be looking for nationwide consultants to join her team and invites anyone who

may be interested to contact her.Every month Tracey runs Carriwell and Annique specials and Facebook followers can enjoy exclusive monthly promotions.

During December and January, THE SOUTH AFRICAN Magazine readers can receive a 10% discount on all Carriwell and Annique purchases, excluding special offers. Simply mention the advertisements below.

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WE BUY FOR CASH! Krugerrands, gold, all gold coins and jewellery – even broken and damaged gold jewellery.

Bring any of the above to us (or contact us to make a collection arrangement) and we will pay you cash (prior notice required) or bank transfer.

We will test the gold in your presence and will make you an offer while you wait.

GMC and our associates have been in the gold business since 1980 and will give you the best price for your gold.

We have up to the minute gold prices and can offer you the best prices on gold.

We will pay you more than any other gold dealer in New Zealand.

Get extra cash to spend – simply contact

Wendy on 021 0290 1912 ID and address details required.

Dr Bernie Brenner

MB BCh (Wits), FRCOG, FRANZCOG, MBA, M Phil, BA (UNISA)

Gynaecologist and Uro Gynaecologist Specialising in: : '.#-' 2+/#28 /%0/4+/'/%' #/& 20&8/#.+% 33'33.'/43 : +/+.#--8 /6#3+6' 52)'28 (02 -#&&'2 '#,+/) : '/01#53' 02.0/' 2'1-#%'.'/4 4*'2#18 : 0-103%018 4*' 42'#4.'/4 0( #$/02.#- %'26+%#- %840-0)8 +/%-5&+/) #3'2 : ((+%' 834'203%018 (02 &+#)/03+3 0( .'/3425#- 120$-'.3 : 8/#'%0-0)+%#- -42#305/& : #10203%01+% 52)'28 (02 2'.06#- 0( +$20+&3 6#2+#/ 8343 #/& /&0.'42+03+3 Consulting rooms at *#,'31'#2' 0#& +-(02&

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Life, Disability and Trauma.

Commercial and Residential Mortgages.

Fire and General.

Assistance with SA Retirement Annuities and policies.

Contact Bernard or Michelle De Wet 09 9636291 bernard@fincare.co.nz or michelle@fincare.co.nz

www.fincare.co.nz (FSP 14663)

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The South African

Christmas shopping at Nikau It’s the gift giving season and Nikau New Zealand Made has become a must shop for anyone who wants to find the perfect gift with a kiwiana flavour for family and friends. It is a store loved by locals looking for gifts to post, to travel with, their home or any special occasion. Here you will find a wide range of possum and merino gloves, scarves, beanies and socks as well as garments. Ecoya has a stunning range of fragrant candles, soy melts and gift boxes. Plush velvet vintage bags and brooches by Tamsin Cooper. Beautiful iconic scarves and jewellery by Jill Main. Also popular are our Rimu spiral tablemats and chopping boards. We have brought in Christmas products too, a wide range of serviettes and imported designer Christmas toilet rolls, perfect for secret santa gifts or Christmas day.

All gifts over $10 receive complimentary gift wrapping. We are now open on Sundays 10am - 3pm Sign up to receive first hand news on our specials, upcoming events and new products nikaunz@xtra.co.nz

New Zealand Inspired New Zealand Inspired in Browns Bay opened in March this year and is owned by Marian and Bruce Reen who also run the successful Nikau New Zealand Made in Mairangi Bay. The gifts and products we carry are inspired by the fauna and flora of New Zealand. Here visitors to the Bays and locals can shop as there is a wide range of New Zealand Made or designed gifts at affordable prices. We also stock the anti bacterial Manuka Honey skincare products as well as the Lanolin skincare range. Iconic Christmas decorations are perfect to post to loved ones overseas, come see our range.

We are now open on Sundays 10am- 3pm Sign up to receive news on our specials, upcoming events and new products newzealandinspired@xtra.co.nz

20 Months of hostage hell hen Debbie Calitz and her partner Bruno Pelizzari set sail from Dar es Salaam in October 2010, they could never have guessed that they would be making a voyage into the depths of hell.

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Three days into their journey as crew on board the yacht Choizel, it was captured

by Somali pirates who held Debbie and Bruno for ransom. For twenty months the pair was made to live in dark rooms while they were moved countless times between different locations and captors who subjected them – but especially Debbie – to untold horrors. Yet Debbie’s spiritual awareness, her sense of humanity and, ironically, her past history of being the victim of abuse, helped her to stay alive as

she remained positive in the belief that she and Bruno would be rescued.

In this compelling book right from the depths of depravity Debbie Calitz reveals the details of their ordeal and their eventual rescue. It is a story of overwhelming courage from a woman who overcame all odds when freedom and dignity were a distant memory.

opping at Christmas Sh pired’

nd Ins ‘New Zeala ns Bay in Brow

3pm Sat: 9am to 9am to 5pm Mon to Fri: to 3pm Sun: 10 am & Clyde Rd, r Inverness ne or C 5, Shop Browns Bay s blic Holiday Closed on pu

The South African

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Garth ‘under the influence’ Taylor ew Zealand recently experienced the smooth soulful flavour of South African singer, songwriter, producer and chart topping artist, Garth Taylor, writes Gillian Schrickker from G Global Promotions.

N Garth Taylor

Taylor made his debut into the South African music scene in 1998 and has

delighted fans with ‘Why’ and ‘Only With You’, which were number One hits for five and six weeks respectively, and ‘If I Gave You My Soul’, ‘Home Again’, ‘Tonight’ and his version of ‘Islands In The Stream’.

His newest album ‘Stripped Down Soul’d Out’ has received acclamation from the South African music industry and is still receiving significant airtime on all leading radio and television stations across the country.

As a passionate musician and performer Taylor entertains crowds with his strong vocal delivery and energetic shows. He performs an interactive show and engages with his audience who dance in the aisles and on the seats. He describes his tour as a musical journey.

Taylor has shared the stage with many industry greats such as Simply Red, Shaggy and fellow South African singers Jonathan Butler and the late Brenda Fassie.

SALES AGENTS WANTED

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The South African

An intimate evening with Rick Wakeman

By Peter Woodberg n the late eighties our brother, Chris Woodberg, ew from Cape Town to Durban for a ‘One night One city’ concert with his hero the famous keyboard virtuoso, Rick Wakeman, with Ted and I joining him for the evening. As a one man show Wakeman did very little talking instead allowing his music to do the talking for him. Surrounded by synthesizers, Hammond organ, electric pianos, mini-moog and eleven different types of keyboards, this was progressive Rock at its best.

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37 years later, Wakeman came to New Zealand to perform at the Bruce Mason Centre. Billed as an ‘intimate evening with Wakeman’, there were no singers and no synthesizers in sight. Only a grand piano was centre stage. My wife, Simona, and I sat six rows from the front and we could see every drop of sweat as he played some intricate pieces of music so effortlessly but with enormous concentration. The crowd loved it when he played ‘Morning has Broken’ the famous Cat Stevens hit which Wakeman wrote although he was only acknowledged recently as the writer.

Rick Wakeman

into the world of Rock, David Bowie.

We had a magical musical night listening to him playing all the old songs and, at times, I could still hear the synthesizers in my head going mad in tune with his piano recital.

The VIP guests had a meet and greet after the show and we were lucky enough to meet him. Shaking hands with him was a pleasure and we chatted about Durban and his memorable trips to South Africa so many years earlier.

“He played some intricate pieces of music so effortlessly.�

A chatty Wakeman who, between songs, told the audience intimate stories about his life, his Mum, Black Sabbath and the man who encouraged him to get

What a man! What a keyboard wizard! What an extraordinary evening!

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PROPERTY CORNER This regular feature is written by Richard Pearce of Barfoot & Thompson.

Richard Pearce

Where is the property market going?

According to QV.co.nz, Auckland residential property values have risen by 9.2% over the last year, and are now 9.1% above the previous market peak in 2007.

Property investment articles often refer to the Market Clock or Property Clock (shown below) which serves to illustrate how markets change over time, but the unknown factors are where exactly we are in the cycle, and how fast the clock is ticking. We are clearly somewhere between 9 o’clock and 12 o’clock, but it may take a few months – or many years - to get to 12 o’clock.

The big question is - where prices will be going in the future?

Peter Woodberg, our editor and a long-term property investor, advises that the best time to buy property is as soon as you can afford to, so if you currently have the means to invest, now is good!

In his BNZ Weekly Overview on 1 November, Tony Alexander included a section entitled “Why Auckland Prices House Prices Will Keep Rising”, and listed 19 reasons, most of which related to the current housing shortage, population growth and the increasing cost of new housing.

New Zealand property prices have increased over the years, but short-term fluctuations can be super-imposed on this long-term trend of increasing house prices, as occurred in the housing market in recent years.

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I conclude with a few words of advice. Purchasing property should be a long-term decision. Be conservative when you buy, and do not stretch your budget too far. Also consider fixing the interest rate for a part of your mortgage to reduce your risk and the impact of unexpected interest rate increases.

Disclaimer: The comments and opinions expressed above are my personal views and are NOT those of Barfoot & Thompson. The above is not intended as financial advice, and all persons should make their own decisions based on their personal circumstances and on advice from a number of sources.

The South African

Cycling for Cheshire Homes

EX SOUTH AFRICAN?

By Sherelee Clarke arth Lezard (38), a Durban photographer, has just left Browns Bay for his 6th and ďŹ nal Oceania epic cycling endurance adventure which has taken him through 24 counties on 6 continents covering over 30 000 kilometres. This last leg will include New Zealand, Australia, Fiji and Samoa and should take him just over a year. This will complete his three and a half year journey cycling solo around the world bringing awareness and raising funds for the Leonard Cheshire Homes for people with disabilities.

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Lezard left Durban on 4 December 2010 and travelled the African Continent cycling around Harare, Swaziland and Mozambique raising awareness and also photographing a ‘Mother and Child’ portfolio along the way. They will depict his photographic journey, stopping along the way to chat to people, camping on kind supporters’ front gardens and updating his website and his facebook page.

The portfolio will form part of his book and be on exhibition at The Collective Gallery in Florida Road, Durban.

Garth’s contact details are: http://www.facebook.com/garth.lezard, http://twitter.com/GarthLezard, garthlezard@hotmail.com, http://emile.org/journeys. The bank details are: Nedbank, La Lucia Mall, 90 William Campbell Drive, Durban, South Africa, Account name: Garth goes the extra mile, Branch code: 198765, Account number: 10214221057, Swift code: NEDSZAJJ.

Access your retirement annuities now!

Take it all in cash at any age Specialists in Emigration Formalities for Former South African Residents

‡‡‡‡

Contact: Julian Haw ACIS; CFP Registered Tax Practitioner (SARS) Email: jrhaw@iafrica.com

Tel: +27 31 701 9603 Fax: +27 31 701 9602 ‡ 9LVLW www.julianhaw.com for more details.

PO Box 10672, Marine Parade, 4056, South Africa

Accounting and Tax Questions? f you are looking for a one-stop accounting shop that can guide you through company formation and accounting compliance, contact SBA Small Business Accounting Browns Bay. Craig Bright and his team of accountants are tax agents who relish the opportunity to guide South Africans into business or simplify their existing accounting, ensuring compliance with the Inland Revenue Department and Companies OfďŹ ce.

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“I have over 135 South African clients

(many of whom are recent immigrants) who want to further themselves in selfemploymentâ€? says Craig. “My wife lived in SA for 15 years and my sister-in-law and her family emigrated from the Cape three years ago. I have a good understanding of what they have experienced in starting their lives in a new country. My clients want straightforward advice at ďŹ xed prices so they know where they stand.â€?

The SBA shop next to Pizza Hut at 105 Clyde Road is accessible and inviting for

clients to come in and discuss their accounting needs. SBA’s BankLink system provides monthly information enabling banks and lenders to have an instant, upto-date picture to assess home ownership or lending criteria.

Don’t delay, call Craig at SBA today and you will receive helpful, personalised service that will answer all your questions on New Zealand’s accounting and tax requirements.

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The South African

19

first friday social We e had a full house at the October First Friday Social. A new eatery has opened at the Browns Bay Bowling Club where there were delicious burgers and chips for sale for a mere $7.00.

Tasty homemade Soup and sausages and mash were also on the menu and we all partook with gusto. Thanks to the Rib Shack for the vouchers!

Jingle Bells will be ringing out at our First Friday Social on the 7 December

ne (3) Thomas Sto

Janet

Shaun Murray

where we will enjoy a Christmas menu under the Christmas tree for only $15.00 per person. Please join us for a relaxing evening before your Christmas shopping rush begins.

BYO nibbles, drinks and glasses. If you want to secure seats or book a whole table, please contact Clifford or Cheryl on 09 4783 975/021 027 54781 or email: dansbaan@hotmail.com.

On 31 December Dansbaan will be hosting an Old Year’s Eve Dance at the Torbay Community Hall, 35 Watea Road, on the North Shore, from 7pm ‘til late. The cover charge is $15 per adult and children 12 or younger are free.

Peter Woodber g and Wendyy C Crro os ss s..

Morne and Vickyy Oliver M

Paul Stainton, Eugene van Heerden, Debbie Kruger, Jannie Zwarts

Celia

Desiree Campbell Russell Chinn

Being an ex-Durbanite, Carol understands what South African’s are looking for when buying and selling houses.

If you are thinking of buying or selling, please get in touch for a friendly chat.

GEORGE DEEB A S S O C I AT E S Barristers ~ Solicitors ~ Notaries Public

ARE YOU SORTED?

M: 021 308 035 P: 481 0930 Licensed Agent REAA 2008

For expert legal advice, from a team with 30 years combined experience in New Zealand and South African law, call us.

We’ll help you sort out your affairs and make sure your new life in New Zealand is successful.

Property - Trusts and Estate Planning - Company and Commercial Business Law - Immigration - Matrimonial ENSURING YOUR SUCCESS IS OUR PRACTICE

94 Anzac Street Takapuna Auckland Tel: 09 486 1415 | george@georgedeeb.co.nz | www.georgedeeb.co.nz

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The South African

Upcoming community events South African Social: North Shore: First Friday Social of the month at Browns Bay Bowling Club. 7 December: 6pm – 10pm: Christmas Menu @ $15pp. Cash Bar available.

Saffa-Zealanders Calendar Fundraising Project Launch: 8 December at Bushman’s Grill, 31 Northcote Road, Hillcrest: 6.30pm to 11pm: Bookings essential 09 418 0056.

SANZ Social: Contact: Carol: 021 049 4259.

Christchurch Socials: Linda Klok: info@sinzasa.org.nz

The South African Magazine can be found here: I-Site Takapuna I-Site Devonport Bushman’s Grill, Northcote Road Fred’s Fine Foods, Highland Park Shopping Centre Inside Africa, Albany Inside Africa, Henderson Kumeu Stationers, Kumeu Pinehill Butchery, East Coast Road

Nandos, Albany SA Shop, Browns Bay SA Shop, Rosedale Road SA Shop, Howick SA Shop, Henderson SA Shop, Stanmore Bay Janssen’s, Browns Bay Beef on the Beach, Pakuranga Selected Doctors Rooms in Auckland.

New Arrivals Social

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e understand that starting a new life in a new country can be a little daunting.

We therefore invite you to join us for a drink and the opportunity to meet with other like minded people who have recently arrived or have now settled in New Zealand.

From time to time we will also be joined by a guest speaker, who will give a brief presentation on a relevant topic.

When: 6.00 pm,Tuesday, 29 January2013 Where: Level 1, Building 2, 100 Bush Road, Albany, North Shore We look forward to meeting you.

RSVP Please confirm your attendance to Vicki Scott by 25 January 2013 E. enquiry@hwp.co.nz P. 09 915 0100.

Eugene Van Heerden: Ph: 09915 0100: Mobile:022 276 0082

Whether you’re new to NZ or starting to sound like a Kiwi, let’s talk.

You don’t have to be born a local to be treated like one. You can apply for a personal or business loan with the team at your local Westpac branch, so you can get a straight answer, straight away.

Riaan Wilson Business Manager L3 Corinthian Towers 9-11 Corinthian Dr Albany Phone (09) 448 0926 Mobile 027 498 0756

Sheena Parker Personal Manager Westpac Albany 219 Don McKinnon Dr Albany Phone (09) 415 1166

Owen Melhuish Mobile Mortgage Manager Westpac Albany 219 Don McKinnon Dr Albany Mobile: 027 212 0405

Applications for finance are subject to Westpac’s applicable lending criteria. An establishment charge may apply. See www.westpac.co.nz for further details. Westpac New Zealand Limited

The South African

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The Tax system simply explained uppose that every day, 10 men go out for beer and the bill for all 10 comes to $100. If they paid their bill the way we pay our taxes, it would go something like this:

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The first 4 men (the poorest) would pay nothing. The fifth would pay $1. The sixth would pay $3. The seventh would pay $7. The eighth would pay $12. The ninth would pay $18. The tenth man (the richest) would pay $59. So, that’s what they decided to do. The 10 men drank in the bar every day & seemed quite happy with the arrangement, until one day, the owner threw them a curve. ‘Since you are all such good customers,’ he said, ‘I’m going to reduce the cost of your daily beer by $20. Drinks for the 10 now cost just $80’.

The group still wanted to pay their bill the way we pay our taxes so the first 4 men were unaffected. They would still drink for free. But what about the other 6 men - the paying customers? How could they divide the $20 windfall so that everyone would

22

get his ‘fair share’? They realized that $20 divided by 6 is $3.33. But if they subtracted that from everybody’s share, then the fifth man & the sixth man would each end up being paid to drink his beer. So, the bar owner suggested that it would be fair to reduce each man’s bill by roughly the same amount and he proceeded to work out the amounts each should pay. And so: The fifth man, like the first 4, now paid nothing (100% savings). The sixth now paid $2 instead of $3 (33% savings). The seventh now paid $5 instead of $7 (28% savings). The eighth now paid $9 instead of $12 (25% savings). The ninth now paid $14 instead of $18 (22% savings). The tenth now paid $49 instead of $59 (16% savings). Each of the 6 was better off than before. And the first four continued to drink for free. But once outside the restaurant, the men began to compare their savings. ‘I only got a dollar out of the $20’, declared the sixth man. He pointed to the tenth man, ‘but he got $10!’ ‘Yeah,

that’s right’, exclaimed the fifth man. ‘I only saved a dollar, too. It’s unfair that he got 10 times more than me!’ ‘That’s true!!’ shouted the seventh man. ‘Why should he get $10 back when I got only 2? The wealthy get all the breaks!’ ‘Wait a minute’, yelled the first 4 men in unison. ‘We didn’t get anything at all. The system exploits the poor!’

The 9 men surrounded the tenth and beat him up. The next night the tenth man didn’t show up for drinks, so the 9 sat down and had beers without him. But when it came time to pay the bill they discovered something important. They didn’t have enough money between all of them for even half of the bill! That, boys and girls, journalists and college professors, is how our tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy and they just may not show up anymore. In fact, they might start drinking overseas where the atmosphere is somewhat friendlier.

The South African

The The South Th South So h African Afric

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17 Corinthian Drive, Albany, Auckland New Zealand

Immigration Service you can Trust (established 1993)

New Zealand is slowly coming out of the recession and there are now more skilled jobs being advertised in most of our cities.

Christchurch will be needing hundreds of skilled people to assist with the rebuild, so trades people as well as civil and other engineering posts are now becoming available.

North Shore Immigration with their wealth of experience & sound reputation can assist migrants relocate to New Zealand as providers of highly personalised service, from temporary, permanent and business visas.

For those business people that would prefer to work for themselves, they can either start a brand new business in New Zealand or buy an existing business via the Long Term Business Visa. There are also two investor categories of $1.5 million & $10 million. Please contact us for more info at email: sim.woodberg@nsis.co.nz

We provide specialist immigration solutions for: 8 Residence (Skilled Migrants, Business, Family) 8 Business Visa (Entrepreneur and/or Investor Categories) 8 Work Visa (for those who have a job offer, based on their skills & experience) 8 Work/Student visas for their immediate family members 8 Student Visas for those who wish to study in New Zealand, and 8 Job Search/Graduate Work Experience Visas for students who have completed their NZ studies. website: www.nsis.co.nz

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We also offer help and assistance with: 8 unabridged birth certificates 8 police clearance certificates 8 passport renewals 8 translations 8 assessment of overseas qualifications 8 obtaining NZ registration for occupations where this is required.

email: info@nsis.co.nz

ph: 09 415 3392

The South African