RCS Lifestyle by The Publishing Partnership

lifestyle Issue 11 2011

R14.95 • FREE TO RCS CUSTOMERS*

TempInG TImeS It’s the career choice with a difference

START yoUR enGIneS The best road trips in SA

wIn

• R30 000 in home improvements from CTM • R25 000 in jewellery from NWJ

BUBBly & BeAUTIFUl

suPerMoM zuraida Jardine is haPPiest at hoMe

FIGHT FRAUD How to avoid scams

ACTIon STATIonS Why exercise is good for you

CHooSe wISely

Understand your medical aid options

WIN

1 of 5 prize to R10 000s of up back into y paid rcs personour al loan

Garden GoodiesPuzzles Puzzles reciPe GiVes bacKsPorts suMMerdiary style Pasta reciPe Winterrcs Wardrobe

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RCS CONTENTS entertainment

health

shopping

finance

home

contents

PHOTOGRAPHS BY GALLO IMAGES/GETTY IMAGES & SHUTTERSTOCK COVER IMAGE SUPPLIED HAIR BY CARLTON HAIR & GILLIAN FROM BROW EXPRESS

Fighting fraud

Entertainment

COVER STORY

RCS is playing its part Playful parks (that are in preventing you from free). The best of the celebrity scents and TV becoming a victim. series you can’t afford to miss.

Celebrity supermom

What does your grocery basket say about you?

Actress and broadcaster Zuraida Jardine juggles Find out by taking her hectic schedule while doting on her kids. our quiz. Find out how she does it.

Get cool as a cucumber, add a sprinkle of mint to your bath and skip your way to better health.

With just 30 minutes of exercise a day you can get in shape, and improve your life at the same time.

Secrets of the skin, new Get the summertime music to groove to and looks of superstars tips for a rebellious nail. Blake Lively and Justin Timberlake.

Health

WIN

Keep Moving

Shopping

Stylish summer

Get in the garden

From shovels to garden furniture, make your garden glamorous this summer.

1 of 5 prizes of up to R10 000 paid back into your personal loan with RCS. TURN TO PAGE 50 NOW!

PLUS R30 000 in home improvements from CTM > PAGE 13 R25 000 in jewellery from NWJ > PAGE 45 R2500 in tasty Royco hampers > PAGE 31 2011 Issue 11 • 01

RCS CONTENTS entertainment

health

shopping

finance

home

contents

Clear your cupboard clutter, make a lunchbox treat and download your favourite Box Office hits.

RCS readers share the life-changing lessons they were taught by their grandparents.

A guide on how to read between the lines and find the medical aid scheme best suited to your needs.

regulars

02 • Issue 11 2011

Consider a local road trip for your family’s next holiday. You won’t be disappointed.

Thai Chicken Curry, as made by Bok captain John Smit.

Road trip!

Home

Learn from Experience

Choose wisely

Tempting temps

Temping, or short-term contract work, is becoming a popular option. Find out more about this career path.

Recipe

Backchat

Moving house is a stressful experience that requires calm under pressure. How does our columnist fare?

4 Ed’s letter 7 Letters and winners 8 News from RCS 13 & 45 win with CTM and NWJ. Turn to pages 13 and 45 to find out more. 51 CREDIT BUZZ What is over-indebted? Find out here. 62 Puzzles Keep your mind active and WIN R500. 62 stockists

Ed’s letter

Sharing and caring

s another year flies by, it’s important to stop for a moment and remember those that care for us, and those we care for. If there’s a theme that runs through this issue of RCS Lifestyle, or indeed any of the issues you’ve read so far, it’s one of caring and well-being. Every one of our cover celebrities have had a story to tell where someone has nurtured their talents; or how they have shown appreciation for their opportunities in life by nurturing or encouraging others to reach for the stars and live their dreams. Our cover star this issue is no different. Zuraida Jardine manages to stay beautiful and bubbly, all while juggling a vibrant career and her two young children. Jet-setting between South Africa and the United States, the enthusiastic mother of two neglects neither her career nor her children as she strives for work and parenting perfection. Her love for adventure and her family shines through in this month’s cover feature, Super Star & Super Mom, page 16. Continuing the theme of nurturing in this issue, we also find out from some readers about the important role that their grandparents played in their upbringing. Our grandparents are always there to lend a helping hand or a sympathetic ear, often allowing us to express ourselves in ways we can’t to our parents. More importantly, they have wise old heads with years of wisdom, and what we learn from them can literally change our lives. In A Grand Love, page 46, three readers express their love for their grandparents and share the valuable life lessons that they were taught by a caring and loving older generation. And it’s not just Zuraida or grandparents who provide the positive influences in this summer issue of RCS Lifestyle. The RCS Group also makes an appearance to show how they are involved in the well-being of their staff. The RCS Group realises that there is nothing better for staff than a healthy and happy working environment. Turn to page 8 to find out how RCS helps staff to get fit and stay healthy and happy. RCS has also launched a Fraud Prevention Unit. At a time when the country loses over R100 billion a year to fraud crimes, this has never been more relevant. In Fighting Fraud, page 10 discover how RCS is combating these crimes, what you can do to help fight fraud and how you can prevent yourself from becoming a victim. All the best David

It’s almost summer! What do you love about the season? Let us know by writing to rcs@tenfourmedia.co.za or send your letters to RCS Lifestyle at PO Box 15192, Vlaeberg, 8018. Please include your name, address and telephone number.

* You must be current with your RCS payments to receive RCS Lifestyle.

04 • Issue 11 2011

RCS Lifestyle EDITOR David Moseley rcs@tenfourmedia.co.za 021 424 8459 ART DIRECTOR Lindsay Peddie DESIGNER Kristin Whitfield contributing editorS Jacqui Lund Riekie Human staff writer Kolosa Vuso CONTRIBUTORS Hailey Philander James Garaghty Rob Foote Andy Lund PUBLISHER Mark Beare mjbeare@tppsa.co.za ADVERTISING SALES Nic Morkel nmorkel@tppsa.co.za 021 488 5926 082 468 6490 Grant Van Willingh gwillingh@tppsa.co.za Sameegha Samaai ssamaai@tppsa.co.za Accounts Naeema Abrahams Elmon Searle 021 424 3517 EXECUTIVE DIRECTORS Mark Beare & John Morkel RCS Editorial Board Riad Masoet & Sumarie Brand

RCS Customer Services

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Published for RCS by Tenfour Media and The Publishing Partnership (Pty) Ltd. Copyright Tenfour Media and The Publishing Partnership (Pty) Ltd 2008. All rights reserved. Reproduction in whole or part is prohibited without prior permission of the Editor. Opinions expressed are those of the author and not RCS. Products featured are subject to availability. While every effort is made to ensure that prices are correct at time of going to press, errors and omissions are excepted. Offers available while stocks last. Repro: Hirt & Carter Printing: Paarl Gravure ISSN: 2073-6274

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letters

Reader letters

Thank you, RCS

I have just received my first copy of RCS Lifestyle magazine. Through this medium, I would like to thank RCS for helping make my childhood dream come true. I grew up in a disadvantaged community and, as a child, whenever I saw a plane fly across the sky, I would wave my hands up in the air wanting it to pick me up and fly me somewhere else. The scripture tells us that God’s grace is enough for us, but sometimes one does need a human helping hand. That is exactly what I got from RCS through a RCS financial loan; I was able to visit historical Rome and its surrounding suburbs. In Rome my first visit was to the Vatican City which was within walking distance from where we stayed. It was during the month of October and I have never seen so many people from different cultures so interested in the same place. Then we went to see all the historical places and buildings. I asked a friend to pinch me because never in my wildest dreams did I ever imagine that I (from such a humble background) would one day walk and see where gladiators, kings and famous emperors walked, lived and ruled. I have seen so many places and monuments of historical value, but the one I found most impressive is the Colosseum which once upon a time would have contained up to 50 000 spectators. A visit to the Sistine Chapel is a must with all its beautiful paintings by famous artists like Michelangelo, Pinturicchio and Signorelli. I even managed to throw a coin into the spectacular Trevi fountain and make a wish, which later came true. Thank you, RCS, for the most exhilarating experience of my life. The memory will stay with me for a long time. S Mildenhall, Eerste Rivier

More from RCS Lifestyle readers Delicious crumpets

IMAGES BY SHUTTERSTOCK

You’re crumpet recipe (Mother’s Day Magic, RCS Lifestyle Issue 9) just made me love cooking. I have never enjoyed anything that has to do with cooking, but your crumpet recipe was the best. Yesterday I tried the crumpets with honey and it was delicious, so this evening I’m trying the pasta (Perfect Pasta, RCS Lifestyle Issue 10). Kind regards, Samantha

Backing the Boks It was great to see JP Pietersen on the cover of the last RCS Lifestyle magazine (Issue 10). His interview was interesting too. JP has been one of my favourite

JP Pietersen

RCS Lifestyle: Could it be argued that World Cup 2011 comes at an ideal time for you, JP? After all, you got a winner’s medal in Paris aged 21, and now enter the next one wiser and fairly close to your prime at 25...

DiD you know?

JP has played 25 Test matches alongside Bryan Habana, making them the most capped Bok wing ‘combination’.

BACk tO BACk fOR the BOkS

At the age of just 21 JP Pietersen won the This year he’ll be back in Green and Gold World Cup with the Springboks. with the Boks as they aim to become the first team to win consecutive Rugby World Cups.

These 6 lucky readers were the big winners in our R5000 CTM Gift Card competition.

JP Pietersen: Definitely, from an experience point of view. I have learnt so much in the four years since 2007. I know more now about my weaknesses

and strengths, which ought to help in New Zealand. I feel more mature, and very comfortable with my game. There’s no reason not to be confident, going into our title defence.

Will going there as defending champions aid the Springbok challenge, because of the aura that accompanies that status? Or is it a drawback due to the pressure of defending the crown?

There’s always pressure on defending champions. Teams are especially (keen to) knock you over. Fans here will expect us to do well; it goes without saying. But I don’t believe a majority of people will label us as favourites, which could help a bit... with the All Blacks playing on home soil, they’ll be tipped to win, I’m sure. The real pressure will be on them.

Since your return from injury, you’ve looked hungry in Super Rugby and one of the sharpest

Pietersen in action against England; and being congratulated by Nelson Mandela after winning the World Cup. fewer carbohydrates at night, when protein is more important, and more of my carbs at lunchtime.

attacking tools for the You’re Sharks... is there anything strong an especially unit now at 1.90m special you’d attribute and just over 100kg, and that to? making some big tackles. Of course I was happy to put my Would you say your injuries behind me, and just to be on defence is at the best the field again. But also the Sharks level it’s ever been? introduced

us to a dietician who has been of great benefit to me, in conjunction with our conditioning programmes. I’ve gained greater

energy and power since getting a better idea of what to eat and, just as importantly, when to do so. I’m eating

Winners

I wouldn’t necessarily say best ever. In Bloemfontein (against the Cheetahs

in a Super Rugby match near the end of the ordinary-season programme) I wasn’t that happy with my defensive showing. I missed four tackles and that’s not the sort of standard I set for

players since he started playing for the Sharks. It’s hard to believe that he was part of the 2007 World Cup winning team! He seems so young, yet it also feels like he’s been playing for the Boks for so long. As I write this, he’s playing well for South Africa at the 2011 Rugby World Cup. I hope JP and the team can keep it up. But win or lose, I’m Boks all the way! Devon, East London

■ Patricia CTM Boksburg ■ Portia Gama CTM Rustenburg ■ Nelisiwe Shange CTM Pietermarzburg ■ AM Steffens CTM Port Elizabeth ■ Annah Sesene CTM Tzaneen ■ Ruth Smith CTM Mafikeng Caroline Shibe from Boksburg won ELF laminate flooring worth R5000.

2011 Issue 11 • 07

RCS LIFESTYLE

RCS Group – an employer with heart

mployee wellness is of paramount importance at RCS Group and forms part of the company’s sustainability components. With a community of close to 800 employees on our premises, it’s fitting that we have adequate systems and structures in place to support our employees and their wellbeing. An on-site clinic staffed by a qualified nursing sister, and supported by a qualified medical doctor, looks after the medical wellbeing of our employees. On a daily basis the clinic is busy with patients who visit for a variety of medical issues including family planning, health screenings and general medical support. As we see it within RCS, providing these services to our employees relieves stress and reduces absenteeism. With no waiting periods our employees know that all they need to do is go to the clinic within their allocated appointment times and assistance will be made available to them. With a fully equipped gymnasium and a qualified biokineticist on site we provide for RCS staff to fulfill their training requirements. The combination of a biokineticist and nursing sister has allowed the company to help its employees, as there is cross referral between

08 • Issue 11 2011

the two. We currently run a number of programmes for our employees from weight loss advice to general fitness advice. In keeping with our aim of having well-balanced and fit employees, RCS staff also participate in outdoor activities such as the Two Oceans Marathon, Comrades, Big Walk and more. While the above services look after the physical well-being of the employee, we know that there are psychological issues that can affect office staff. To address this, we have a dedicated 24-hour toll free call centre service available to our staff to deal with their emotional well-being. Staffed by highly qualified psychologists, this service is available to our staff both telephonically and face-to-face. This is not limited to employees only, but is also accessible to their immediate family members. The services rendered here are broad and include consultations on family matters, stress, financial advice, legal issues, work and debt issues. Acknowledging that there are many issues influencing the communities where our staff live or come from, we have also been running blood

donation clinics within RCS as a contribution to the well-being of those members of our community that may need blood transfusions. This initiative is the brainchild of RCS employees who saw the need, and we quickly adopted it so that it now forms part of our on-going programmes. An annual wellness week brings together a wide range of service providers that RCS works with in the health and wellness field, ensuring that our employees know what help is available to them. This week of entertainment and information takes the form of activities (such as cycling and running) and a wide range of health screenings (that include glucose, blood pressure, HIV/AIDS and fitness). With these types of activities and benefits available to our staff, we are proud to say that RCS really cares about the well-being of its employees and their families. ■

IMAGES BY SHUTTERSTOCK

With many benefits in place for their staff, RCS Group provides a work environment that cares. By Kholekile Dlakiya

Lifeâ&#x20AC;&#x2122;s a journey ... with

Additional

Exclusive to all RCS Card holders Promotion valid until 22 January 2012 Offer applicable to non-promotional items only Coupon must be presented in-store to qualify

RCS LIFESTYLE

fighting fraud With card fraud, online fraud and other unlawful scams on the rise, RCS is playing its part in preventing you from becoming a victim. BY RCS Fraud Prevention Unit

10 • Issue 11 2011

What types of fraud is RCS fighting? ■A pplication fraud This occurs when your personal details have been compromised to open various accounts on your name. ■ Identity fraud Your Identity book (green bar coded ID) can be manufactured with another individual’s ID picture. ■ E-Fraud Your personal details are used via the internet without any presentation of documents. ■ Cheque fraud Fraudulent cheques get paid into an account to gain credit and purchases are done before the cheque returns (bounces).

billion to R120 billion a year to these types of crimes. So it pays to brush up on the finer details of fraud, and to learn what you can do to avoid becoming a victim.

What is fraud?

Fraud can be determined as a criminal activity, defined as abuse of position or false representation for personal gain. Put simply, it as an act of deception intended for personal gain that causes a loss to another. Fraud, as the above shows, is

■ Cloned Cards This occurs when fraudulent card information gets stored on the mag stripe of an RCS general purpose card and/or MDD card. ■ Internal fraud This occurs when an existing and potential customer’s personal information gets compromised by an institution’s staff. ■ External fraud This occurs at merchant (store) level whereby an applicant’s details gets compromised.

experienced all over the world and as individuals we can all be victims.

How does fraud occur? Individuals gain access to your personal particulars and apply for credit in your name at various institutions.

Combating fraud

Your personal details can be compromised at any point. Always keep these details and documents safe: ■ Green identity book

IMAGES BY SHUTTERSTOCK

n Canada last month a woman was sentenced for engaging in a credit card scheme in which she received tens of thousands of dollars in cash advances and used the money for plane tickets, rental cars, hotel rooms and a spending spree at boutique clothing stores. In the United Kingdom the BBC reports that some £60 million (around R660 million) is lost due to online banking fraud (phishing schemes) each year. Last year in Cape Town a 70-yearold man was arrested in possession of 170 encoded credit cards, a card reader, a tipper (a device used to print on credit cards), an embosser (a device used to imprint the details on a plastic card), two laptops and various documents relating to fraud crimes. Also last year, it was discovered in Durban that credit cards were being duplicated at toll booths, while reports in the province noted that credit card fraud via the internet, mail orders and telephone - where the physical presence of a card is not required when making transactions - had increased by 22 percent. These examples show that fraud is all around us and presently, according to the Business Day, South Africa loses between R86

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RCS LIFESTYLE

“Last year in Cape Town a 70-year-old man was arrested in possession of 170 encoded credit cards” ■ Driver’s licence ■ Credit/debit cards ■ Account statements – discard them by tearing or shredding the statement. Report any incident of fraud or potential fraud that you might be aware to avoid any losses. According to a KPMG Fraud Awareness Survey, only 20 percent of respondents reported detected fraud to the police, meaning that 80 percent of detected fraudulent activity went unrecorded. Do your bit by reporting suspected fraud. 12 • Issue 11 2011

Identity fraud is one of the fastest growing crimes in South Africa, but there are ways to equip yourself so that you don’t fall victim. Personal information being shared via the Net or on new applications (as in, when you apply for a new store card of any sort) can be compromised. Avoid this by using only reputable companies. Individuals involved with identity fraud can occupy several ID holders IDs and the financial losses to you and financial institutions are huge.

Fraudsters pretend to be you and occupy your existing accounts and cause more damages on your credit profile. The implications can be damaging to you and can set your credit profile back. RCS is continuously combating fraud by means of identifying and arresting individuals attempting to commit fraud on any of our products. Currently, we have a dedicated department whose core function is to eradicate fraudulent activity. This department has embarked on a Zero Tolerance campaign, establishing the RCS Fraud Prevention Unit as a means to eradicate fraud. This unit consists of highly trained individuals working under a manager who has immense experience in fighting fraud. The RCS customer base is growing. In order to protect these customers RCS is equiping itself to become more vigilant. Many fraudulent activities are attributed to fraud syndicates that employ individuals to do the running around. These individuals are called ‘runners’ and most are unemployed and so given a small reward for their deceitful deeds. The RCS Fraud Prevention Unit has arrested 351 of these individuals involved in fraudulent activity and saved R34 million over the last four-anda-half years on application fraud alone. The Fraud Prevention Unit is in daily contact with the SAPS and other stakeholders to ensure these perpetrators are behind bars. The fight against fraud is immense and with the involvement of staff in assisting to fight these perpetrators fraud can be minimised. ■

competition

Who says style has to cost a fortune? SMS and win fabulous prizes to improve your home with

luCky RCS lifeSTyle ReadeRS Will eaCh Win R10 000 To Spend aT How to enter To win, SMS CTM followed by your name and the answer to 43501. Standard SMS rates apply. Question Who is giving away R30 000 in home improvements?

RcS cards now accepted at ctm stores nationwide 1. The judge’s decision is final and binding and no correspondence will be entered into. All participants in the RCS Cards (Pty) Ltd and RCS Personal Finance (Pty) Ltd (hereinafter referred to as “RCS”) competition agree to be bound by the competition rules set out herein. 2. In order to be eligible to win prizes in the competition, entrants must SMS the key word ‘CTM’ followed by their answer to 43501. 3. RCS Cardholder’s accounts and RCS Loans customers must not be in arrears at the time of the draw. Only the correct answers to the competition will be eligible for the draw. 4. The competition will commence on 19 October 2011 and entries will close on 30 December 2011. 5. The winners draw will take place on 10 January 2012 at the RCS head office, Liberty Grande Building, Corner of Voortrekker Road and Vanguard Drive, Goodwood, Cape Town, 7460. 6. Winners will be randomly selected and will be notified telephonically on 13 January 2012. 7. There will be three prize winners drawn. 8. The three prizes will each consist of R10 000 credit to spend at CTM. 9. The competition is open to all RCS Cardholders & RCS Loans customers residing within the Republic of South Africa. RCS and CTM employees, partners, directors, members, agents and consultants of RCS and CTM, as well as their spouses, life partners, children, siblings, business partners and associates, will not be eligible to participate or enter into this competition. 10. Prizes are not transferable and will not be exchanged for cash. 11. RCS may photograph, televise and/or publish the winners for publicity purposes. 12. All participants must be over 18 years of age and must reside within the Republic of South Africa. 13. RCS Cards (Pty) Ltd and RCS Loans (Pty) Ltd its associated companies, agents and contractors assume no liability or responsibility whatsoever for any direct or indirect loss or damage howsoever arising.

ENTERTAINMENT

Entertainment

Spring has sprung. And what better way to enjoy the blossoming season than a day out at these free parks… Here are our favourite free parks to visit. ■ Cape Town’s Green Point Park affords your family spacious picnic facilities, an outdoor gym and play park. Plus, your dogs are more than welcome… on condition that you take full responsibility for its wanderings and ‘deposits’. Open daily from 07h00 to 19h00. ■ Durbanites, take time off from the beach and visit the suburb of Morningside where Mitchell Park is waiting with well-manicured lawns for strolls or for picnics. Kids will be excited by the small zoo and various bird species on show. Open daily from 08h00 to 16h00. ■ Reputed to be the best dog walk in Johannesburg, Emmarentia Dam lies next to the Botanical Gardens in Emmarentia. Tranquil lawns make this a popular park for escapes from city living. Open daily from sunrise to sunset

14 • Issue 11 2011

Star Scents

Actors and actresses are attaching their names to fabulous fragrances. Here are just a few of Hollywood’s best-smelling celebs. ■ Sarah Jessica Parker Her first fragrance Lovely was released in 2005, another followed in 2007, then Covet Pure Bloom made an appearance the following year. In 2009, as part of the Lovely collection, Parker launched three new fragrances called Dawn, Endless and Twilight. ■ Victoria and David Beckham The ever popular Beckhams have built an empire on sultry fragrances for both women and men and the power couple boast a total of 18 perfumes – ranging from David’s 2005 Instinct For Men to Intimately Yours Women and Intimately Yours Men (2010). Their latest offering is Homme by David Beckham, which was released this year. ■ Halle Berry The Oscar-winning actress recently won the Celebrity Perfume of the Year award at 2011’s FiFis (The Fragrance Foundation Awards) for her latest perfume – Reveal. Her previous successful offerings include Halle by Halle Berry and Pure Orchid.

Top Travel

Cape Town recently received top honours when it was voted one of the world’s best tourism destinations by TripAdvisor Traveller’s Choice 2011 Destinations Awards, ahead of Barcelona, London, New York, Paris, Rio de Janeiro, Rome and Sydney. The TripAdvisor website features reviews and advice on hotels, resorts, flights, vacation rentals, vacation packages, travel guides and more. Must-see places in Cape Town mentioned by TripAdvisor included Blouberg Beach, Kirstenbosch National Botanical Gardens, the Cape of Good Hope Nature Reserve and the historic Robben Island. Well done, Cape Town!

PHOTOGRAPHS BY SHUTTERSTOCK AND GALLO IMAGES

Park Here

Star birthdays

Sizzlin’ series

16 October

Those winter days of getting cozy on the couch may be over, but we’ve found a good reason to keep buddying up with the remote control. These seriously addictive series are all well worth a watch (plus, if you don’t have DStv you can still rent them).

Jacques Kallis, SA cricketer DID YOU KNOW?

‘Jakes’, as he’s affectionately known, made his first-class debut in the 1993/94 season for Western Province. He was recently named Cricketer of the Year at the Cricket South Africa Awards.

22 October

Modern Family

Amanda Coetzer, SA tennis player DID YOU KNOW?

The former professional tennis player is one of only two women who beat Steffi Graf in 1995. She’s married to Hollywood producer Arnon Milchan and they recently welcomed their second child, baby Olivia. Their first-born, Shimon, turns two this year.

2 December Britney Spears, singer Did You Know?

Spears has sold over 100 million records worldwide. She is also recognised as the best-selling female artist of the first decade of the 21st century, as well as the fifth bestselling female artist overall.

18 December Brad Pitt, actor Did You Know?

Along with partner Angelina Jolie he formed the Jolie-Pitt Foundation in 2006, a charitable organisation that aids humanitarian causes around the world.

This hilarious comedy bagged a total of six acting nominations at the 2011 Emmy Awards. Modern Family Season

“I truly believe that a fragrance makes women feel beautiful and confident” - Halle Berry

Hole-in-one We have SA golfer Moshe Adir to thank for his genius invention of GolfWeather which is the world’s first hyper-local weather forecast service for golfers and travellers. The free service will be available as an iPhone app (which is in the testing stage), as well as apps for Blackberry and Android phones (currently in development).

Two currently airs on M-Net (DStv channel 101) on Wednesdays at 19h30.

Vampire Diaries

South Africans are currently bewitched by Season Two of this supernatural/ horror/romance series, based on a series of books by LJ Smith. Catch it on DStv’s Vuzu (Channel 123) on Mondays at 20h30.

Top Shayela

You’ve seen how the Kardashian’s live the high life. Now you can sneak a peek into your favourite local celebs’ homes, private and social circles. Top Shayela airs Wednesdays at 19h30 on Vuzu.

2011 Issue 11 • 15

super star & super mom

Actress, journalist and broadcaster Zuraida Jardine has been a bubbly, beautiful presence in our lives for some time. She tells RCS Lifestyle how sheâ&#x20AC;&#x2122;s maintained the longevity, even while becoming a mother. BY RIEKIE HUMAN

16 â&#x20AC;˘ Issue 11 2011

Zuraida Jardine

PHOTOGRAPHS SUPPLIED; Hair by Carlton Hair & Gillian from Brow Xpress

urrently based in SA – ‘and loving it!’ – jetsetting Zuraida Jardine has spread her wings both locally and internationally. Popular for her stints on local radio stations like 5FM (she was the first female DJ to host one of their daytime shows), the talented star also has various TV shows under her belt, including hosting Big Brother SA. More recently, she’s graced our television screens interviewing stars like Sir Anthony Hopkins and Charlize Theron for Top Billing. Zuraida graduated in journalism before completing two more international diplomas from the New York Business Institute, and she’s also studied drama at the Howard Fine Acting Studio in Los Angeles and with Zia Garfield in South Africa. Her first job, as a DJ on Good Hope FM, was just On tour with the kids in New York. the start of her stellar career in broadcasting. After that, she was a attendant, a news reporter and an news presenter for the station, before actress. But nothing resonated or being lured to 5FM in Johannesburg, and since then she’s been a presenter for stayed with me more than wanting various shows on SABC and M-Net too. to be in the fields of drama and the media. I’m happiest when I connect She’s been married to director Josh with people. I feel exceptionally Lindberg (son of South African blessed to be able to do what I love in entertainment legends Des and Dawn) life and make a living out of it. since April 2004 and the couple has two children. RCS Lifestyle caught up What’s been the highlight with Zuraida in between her packed of your career so far? schedule… I was the first female DJ on 5FM to RCS Lifestyle: What did host a weekday daytime show. That was you dream of becoming very special. Winning the first season one day when you were of Strictly Come Dancing was also a little girl? incredible. Being a part of that show Zuraida Jardine: As with most little taught me so much about dedication, girls, I was intrigued by various things commitment, growth and the ability to – from wanting to be a professional be able to do anything you want to do if runner to a tennis player, a flight you practice and put your mind to it.

Zuraida and husband Josh just after their wedding.

What’s been the highlight in your personal life so far? Without a doubt the births of my daughter, Zaria (two) and my son, Shia (six months old).

What’s the most rewarding thing about being a mother?

Firstly, Mom is just the best title ever. The joy that your children bring you is so warmly rewarding. I love being a mother. I was born to be a mother. Zaria has taught me not to sweat the small stuff. Her arrival has made me calmer in my life and giving birth to her has also made me feel like I’ve come full circle in life.

Is motherhood different from what you expected?

It has been the most organic process for me. I love every minute of it. Even the sleepless nights tend to leave my memory rather quickly. It’s all worth it.

You’ve lived, studied and 2011 Issue 11 • 17

Zuraida Jardine

Awards aplenty

Some of the many awards and accolades Zuraida has received over the years include: ■ F avourite South African Personality - YOU Awards 2006 ■S eries winner - Dancing With The Stars 2006 ■ F avourite South African Celebrity - Kids Choice Awards 2005 ■M ost Stylish TV Personality - People Magazine Crystal Awards 2004

“Mom is just the best title ever. The joy that your children bring you is so warmly rewarding” worked both in SA and the US – how did these experiences differ?

I continued my drama schooling in Los Angeles when we stayed there. LA is filled with hungry people in the entertainment industry. Artists from all over the world in every field go there in the hopes of their dreams coming true. I was surrounded by people that were continuously upping their game, never sitting back waiting for opportunities to appear, but actively pursuing them, and always furthering themselves and their creativity. I found myself being inspired to do so much – such as learning another language, learning to play the guitar and doing things I never thought I would. It opened my mind. At the same time, it also made me grateful 18 • Issue 11 2011

for the opportunities I’ve had, and continue to have here in South Africa. I love this country. We’re a melting pot of creativity and it’s wonderful to have the ability to experience the US and SA.

What was the best thing about marrying Josh?

My wedding was very special because I was present at every moment that took place. I was so ‘high on life’ that day, yet so lucid to the process and joy of the day.

What’s your secret for a happy and fulfilling marriage?

The secret is elusive. All relationships need work, patience, commitment and respect. If both parties want to be there, then it’s not that complicated to

Zuraida dances to victory. make it work. I’m a big advocate for therapy. A therapist can do wonders for your relationships, not only with your partner but yourself too.

How do you balance your career and your home life? With a very hands-on husband and a great family support base!

Your involvement with breast cancer awareness – specifically Breast Friends – is truly

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Zuraida Jardine

Wedded bliss “I do” on the big day.

inspiring. How did you get involved and what lessons have you learnt?

I first got involved when the company Roche approached me to do an international photo shoot for a breast cancer coffee table book with my drama coach, Zia Garfield – who is a cancer survivor – in 2006. The project is inspiring on so many levels. Women inspire me, we’re powerful beyond measure.

You’ve worked in many different mediums over the years – which do you prefer?

They’re all different, but they all allow me to connect with an audience, so in that respect, it’s similar. TV has allowed me to meet some celebrities, which is great. They’re both dynamic industries and I enjoy live TV and live radio. 20 • Issue 11 2011

How do you handle the pressures of being famous? There’s no pressure for me. People who appreciate my work make me popular and for that I’m grateful.

Where’s your favourite holiday spot? New York and Brazil.

What does it mean to you to be a South African? South Africa is my root. I grow from here; my umbilical cord is connected to this country. I love branching into the rest of the world, as I’m a child of the universe, but my base, my foundation, my roots are here, and they need to be watered here too.

What do you still want to achieve in your career and personal life?

As far as my career goes, I’d be happy to be able to continue doing the work that inspires me. I hope I always have the luxury of doing this. In my personal life, I want my kids to be able to tell me someday that I was a successful parent. “There’s not a day that goes by that I don’t give thanks for the fortunate position I find myself in,” adds Zuraida. She feels blessed to be living her dream in South Africa. “I’m greatly appreciative for the nominations and awards that I receive. There are millions of people who serve and nurture our world and its people, and sadly receive little or no recognition for their great work… I’ll never take what I have for granted.” With that attitude, Zuraida is sure to continue her success in her demanding industry!

contempo fashion co-ordinator

Confident, sexy, stylish...

Prepare to discover a new world of fashion! Contempo is an emerging National brand whose quality and diverse range has become synonymous with powerful fashion and value for money! The womenâ&#x20AC;&#x2122;s fashion brand appeals to the confident, sexy, stylish, professional and dynamic women of the new South Africa.

Contempo is the fashion brand for the modern working woman. At Contempo you will find fun fashion at a price that suits your budget, as well as all the accessories and shoes that will complete your perfect look and build your wardrobe. Our collections are a mixture of trend-driven pieces, combined with classic shapes and styles. Fashion coordinated styles, colours and fabrics bring you seasonal fashion that will style your look. Visit us to discover a new way of shopping for yourself!

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Discover Contempo!

What does your grocery basket reveal about you? From your health outlook to your ability to stick to a budget, your groceries say a lot about your personality. Take our quiz to find out what secrets are hidden in between the soap and the sweetie selection of your trolley. BY RIEKIE HUMAN

Do you make shopping lists, and stick to them? a) Not at all – I like browsing through the aisles and picking food according to my mood. b) I make lists, but I tend to add things that aren’t on it! c) Absolutely, I go in with the list, buy what’s on it and head for the door.

a) My mealtimes are fairly controlled and I stick to tried-and-trusted dishes, so I use everything I buy. b) Not really. I usually buy readymade foods so I eat it as soon as I’m out of the shop. c) Yes. I like trying out new recipes with strange ingredients, so there are all these half-full bottles of sauces and pickles in my fridge.

Do you often buy things you seldom use?

22 • Issue 11 2011

If you had to choose between the following three items,

which one would you buy? a) A new brand of fat-free, organic, vegetarian sausage that costs an arm and a leg. b) A salad kit containing tomatoes, carrots, lettuce and onion. c) Chips that are on special – three for the price of one!

When you’re browsing and there are promotions, do you make use of the tasting sections where samples are offered?

RCS QUIZ

a) Always – it’s a free snack after all. b) Never, they’re usually packed with kilojoules. c) I usually do, and then I end up buying the product that’s being promoted because I feel guilty.

When you’re grocery shopping with your kids, do you allow them to add things to the basket? a) Nope. We stick to the list. b) I ask them beforehand what their preferences are, and then we negotiate what they can add to the basket or not. c) I do, but they know that there’s a limit to how much they can spend.

Which aisles do you spend the most time in? a) The fresh fruit and vegetable section. b) The frozen section – I buy in bulk and prefer foods that I can just heat up in the microwave. c) The cosmetics and bathroom products aisle – I love pampering myself!

PHOTOGRAPH BY SHUTTERSTOCK

Do you have any loyalty cards or accounts at certain grocery stores? a) Absolutely, I rely on cash-back vouchers and cardholder’s discounts to make ends meet. b) No, I’m sure they have value, but I don’t like the admin. c) One or two – but I keep forgetting to have them ready in my wallet.

Do you come out on your monthly grocery budget? a) Never, I like shopping too much. b) Yes, I actually always have a few rands to spare at the end of the month. c) It varies, some months are more expensive than others – especially in winter.

Are you picky about which brands you buy? a) No, I usually buy the cheapest version of the product that I’m

looking for. b) Not really, although I do have my favourite kind of tomato sauce and that’s non-negotiable! c) Absolutely. The quality between brands varies considerably.

How often are there sweets, chocolates and fizzy drinks in your basket? a) Almost never – my family is pretty health conscious. b) Always. I can’t help it – I have a sweet tooth. c) I sometimes treat myself to a chocolate or fizzy drink, but it’s usually an exception to the rule.

How did you score? 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

a. 0 a. 3 a. 3 a. 0 a. 3 a. 3 a. 3 a. 1 a. 1 a. 3

b. 1 b. 1 b. 2 b. 3 b. 2 b. 1 b. 0 b. 3 b. 2 b. 1

c. 3 c. 2 c. 1 c. 1 c. 1 c. 2 c. 2 c. 2 c. 3 c. 2

BETWEEN 0 - 10 You tend to be a bit frivolous when it comes to money and the kinds of food you eat. And although your free spirit is completely admirable, it would pay for you to learn how to stick to a plan. You’ll not only soon see a change in your health outlook, but your bank balance will look a whole lot rosier too!

BETWEEN 11 - 20 Most of us fall into this category and although there’s nothing wrong with it, it can become a bit boring. Your family would kiss your feet if you considered a new approach every once in a while and tried out unusual ingredients to add a bit of spice to your usual meals.

BETWEEN 21 - 30 In the world of shopping, you’re pretty much superhuman, and your restraint is nothing less than admirable! Just remember that your routine, as exemplary as it is, can become tedious after a while, and to avoid boredom you need to seriously shake things up. Sometimes, you tend to forget that shopping can be a whole lot of fun – so allow yourself the luxury to deviate your list every now and again!

2011 Issue 11 • 23

HEALTH

HEALTH Happy shopping A recent study in the Journal of Consumer Research shows consumers who are in an optimistic mood make quicker and more consistent decisions than unhappy people. The study goes on to show how moods, emotions and feelings influence the quality of people’s decisions. “The decisions we make about liking or disliking objects around us are fundamental to which things we approach and which things we avoid,” the study found.

Crisp Freshness

Thank you for the music

any mothers-to-be play music to their unborn children and although expert opinions vary on whether playing music to unborn babies makes them smarter, they all agree that it works well as a form of relaxation, therapy and as a bonding exercise. According to babyzone.com, your baby’s hearing has fully developed at five months into pregnancy. Playing music stimulates the ears, brain and body to begin preparation for sound and language comprehension and pacifies them into a calm, meditative state. Variety is the spice of life, so play all sorts of music – anything from opera to jazz. The human body has an amazing capacity for remembering, and when your babies are infants, they’ll still remember the rhythms!

TOP Tip

Cucumber skin contains vitamin A, so make sure you buy cucumbers with skin that can be eaten.

Cucumbers have many benefits – so it pays to have them in your fridge. ■ Cucumbers can soothe puffy eyes; the high water content helps to hydrate tender skin in the eye region. Put two chilled, thick slices over your eyes and relax for about 15 minutes.

They can cool and soothe inflamed or blotchy skin. Grate some cucumber into a little plain yoghurt and apply to your skin. ■

■ They also eliminate fogging in your bathroom mirrors and create a cooling fragrance. Try rubbing a cucumber slice along the mirror and create you own bathroom spa aroma, courtesy of the fresh juices it contains. Check out more uses for cucumbers at care2.com and all4women.co.za

24 • Issue 11 2011

Cut it out!

The most effective weight-loss tips are usually also the easiest – for example, if you watch what you drink you’re halfway there! Cut out fizzy drinks, flavoured coffees and fruit juice as they’re full of empty calories. By switching to water and caffeine-free, unsweetened tea, you’ll drop about five kilograms in a year. If you can’t live without a little caffeine, choose diet drinks and take your coffee black.

DID YOU KNOW?

be a sport

Because we’re all chasing after careers, kids or the five o’ clock train, there’s seldom time for an hour’s worth of solid, vigorous exercise at the gym. While your body benefits most from 45 minutes to an hour of jolly good exercise, similar benefits can come from smaller workouts spread throughout the day. Take four 15-minute exercise breaks throughout the day, as you can get a full workout in without any major adjustments to your schedule. Try taking a walk to the shops during lunchtime; taking the stairs as often as possible and playing soccer with the kids to show them that you’ve still got it.

Amazing apricots Apricots are delicious whether eaten dried or fresh. They’re rich in the antioxidant betacarotene, as you can see by their orange colour, and in iron and potassium. They’re also high in soluble fibre to keep you regular. They really are dynamite in a small package.

Researchers have never been able to agree on exactly why the body needs sleep, except that it has restoring abilities to our bodies and brains. Guess we all need it then! (Source: health24.com)

Peppermint wonders From bath salts to hair shampoos, peppermint has always been a key ingredient to soothing and cooling skin irritations. According to a University of Maryland Medical Center study, peppermint has now been shown to reduce symptoms of headaches and can be useful in the treatment of depression. For a relaxing bath, add two cups of Epsom salt to the water, stir in one sliced cucumber, a handful of torn peppermint leaves, soak and enjoy!

Skip your way to better health PHOTOGRAPHS BY SHUTTERSTOCK

Research shows that high-impact activities – such as skipping – can help to maintain and build healthy bones. Here’s proof that doing a few skips can be advantageous to your health: Skipping strengthens your cardiovascular system It improves your agility ■ The muscles in your legs will become well toned ■ It’s a cheap, efficient way to keep healthy, plus anyone can do it – it’s the family workout that everyone will enjoy. ■ ■

2011 Issue 11 • 25

HEALTH

Get moving You don’t need to train for the Comrades Marathon to keep fit. With just 30 minutes of exercise a day you can get in shape, and improve your life at the same time. BY david moseley

Healthy habits

South Africans might be shocked to learn that the country as a whole is getting fatter. A survey published in Britain’s Guardian newspaper noted that 61 percent of South Africans are overweight, obese or morbidly obese. All is not lost, though. As the Minister of Health has shown, increasing your cardiovascular output is a surefire winner in the war against the wobble. “Regular 26 • Issue 11 2011

Did you know?

Fabulous 5

Climbing just two flights of stairs everyday could result in a loss of 2.7kg per year

Exercise can improve your life, here’s how. 1 Exercise controls weight Exercise can help prevent excess weight gain or help maintain weight loss. This is because the more you move, the more calories you burn. 2 Exercise combats disease No matter what your current weight, being active boosts high-density lipoprotein (HDL), or ‘good’ cholesterol and decreases unhealthy triglycerides. This keeps your blood flowing smoothly, which decreases your risk of cardiovascular diseases. 3 Exercise makes you happy Physical activity stimulates various brain chemicals that can leave you feeling happier and

more relaxed. 4 Exercise gives you a boost Exercise and physical activity deliver oxygen and nutrients to your tissues and help your cardiovascular system work more efficiently. And when your heart and lungs work more efficiently, you have more energy to go about your daily chores. 5 Exercise is fun Physical activity can help you connect with family or friends in a fun social setting. Take a dance class, hit the hiking trails or join a soccer team to make things more social if training in solitude is not your thing. Source: mayoclinic.com

PHOTOGRAPH BY SHUTTERSTOCK

arlier this year South Africa’s health minister, Dr Aaron Motsoaledi, vowed to fight flab when he realised he was overweight. The minister was ‘shocked into action’ after listening to medical professors at a Southern African Development Community health meeting in Khayelitsha this May. “The professors were giving us a lecture and they gave a tape measure to all of us who were there, ministers and deputy ministers,” he told the Sunday Times shortly after the event. “They told us we should measure our body mass index, which is a measurement of your weight versus your height. I can tell you all of us failed. At that time I did not consider myself overweight but they showed that I was - by far.”

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HEALTH

Did you know?

New to running? Walk a while. Walking breaks dramatically reduce the stress of continuous running on your legs, without a loss in aerobic benefit.

physical activity has many health and fitness benefits, including a decreased risk of developing chronic diseases associated with a sedentary lifestyle,” says Ben Capostagno, sport scientist at the Sports Science Institute of South Africa (SSISA). Chronic diseases include high blood pressure, cardiovascular diseases and diabetes. However, by simply adding exercise to your daily routine you can fight back. If you become a regular exerciser you reduce your risk of developing coronary artery disease, decrease levels of anxiety and depression and stand to increase your performance in work, recreational and sporting activities. In short, your life will improve as your fitness improves.

Creative Cardio

Recent studies have shown that doing cardio can boost your brainpower as well as your energy levels. “Cardiovascular health is more important than any other single factor in preserving and improving learning and memory,” says Thomas Crook, Ph.D, a clinical psychologist and memory researcher. You’re working out your brain at the same time as your heart Crook 28 • Issue 11 2011

Work it out told Women’s Health magazine in October. Cardio workout routines flood the brain with chemicals that enhance functions such as memory and decision-making, improving your productivity in the work place. Capastagno adds that, “you should try to spend at least 30 minutes a day doing moderate intensity exercise (like a brisk walk). You don’t have to do it all in one go. The 30 minutes can be accumulated throughout the day with shorter bouts (10 minutes each). Exercising for a longer duration and at a higher intensity will also increase the benefits associated with regular activity.”

Move it

“People who are short on time should accumulate their 30 minutes a day in any way possible,” says Capastagno. To do this, increase your daily physical activity (walk up the stairs instead of taking the lift. If you work in a large office, take a walk to your colleague instead of emailing. If you can, try walking to work for a change). A brisk walk around the block at lunchtime is also a great way to accumulate some physical activity during the day. Alternatively, you could take the dog for a walk around the block as soon as

Body mass index (BMI) This index reflects a person’s weight in terms of his/her height. This is defined as the weight in kilogram divided by height in metres squared (kg/m2). Obese A person is obese when his/her BMI is 30kg/m2 or higher.

Overweight A person is overweight when his/ her BMI is between 25kg/m2 and below 30kg/m2. you arrive home from work, or spend 15 minutes kicking a ball around in your garden with the kids. In the world of exercise, and boosting the benefits of cardio, every little bit counts. Traditional exercises like running, swimming and cycling are the best ways get fit. But if none of those pursuits tickle your fancy, try looking at them in a different light. We are, after all, designed to be mobile and move around. Maybe you just haven’t found the right way to get moving yet. “People should find an activity that they enjoy doing,” advises Capastagno. “Perhaps something that can be done with their friends, partners or family.” If you enjoy the activity you’ll be motivated to keep it up and, most importantly, to keep moving. ■

SHOPPING

SHOPPING Catch!

Cats and dogs need their bit of fun too. Apparently, the best form of stimulation for your dog when he’s alone is to chew toys. Similarly, keep your kitty entertained by buying cat-size balls – such as ping pong balls – and leave them around the Cats have an in-built need house for your to catch up to 10 mice a feline friend’s day – so go on, keep them interested and playful by amusement.

DID YOU KNOW?

purchasing a toy mouse (or 10!). (Source: www.thinking pets.com)

Nail it

By now you’ve probably seen a couple of your favourite celebs displaying a brand new nail colour trend – Vanessa Hudgens, Beyoncé and her sister Solange Knowles have all been spotted with it. Called ‘The Rebellious Nail’ trend, all you have to do to achieve this ‘it’ statement is to paint one nail on each hand (usually your ring finger) a different colour to the rest. TIP: Pair colours of a similar hue (red and orange) or coat the odd nail with glitter.

30 • Issue 11 2011

Skin secrets There are five different skin types and you can determine yours with a simple test – by wiping your face with a clean facial tissue or paper first thing in the morning. ■ Normal skin leaves the tissue with no traces of oil. It’s the easiest to take care of as the skin is naturally vibrant, elastic, clean and smooth. ■ If you have dry skin, the facial tissue will be clean but your face skin will be left feeling flaky, dry and tight after you’ve wiped it. To keep this type of skin glowing, regularly apply natural masks and moisturisers. ■ Oily skin will leave the tissue with spots of facial oil on it. Careful cleaning, watching your carbohydrate intake and avoiding rich creams can be helpful in improving the quality of oily skin. ■ Combination skin is common in most women; the tissue will have traces of oil coming from your nose and forehead area, but will be clean on the areas that touched your cheeks. This skin needs regular washing and cleansing of the sensitive areas. ■ Sensitive skin is the most problematic and fragile type of skin that develops reddish and dry areas that can be itchy and tingly and prone to breaking into spots. Seek a dermatologist for this type of skin as it is very sensitive and needs to be properly treated to avoid breakouts.

Visit your nearest Edgars and Foschini beauty departments to get the best beauty products for your skin type.

Warmth in a red packet

“Running To Midnight was definitely the most eventful experience I’ve had with writing and recording, and it comes through in the sound. There are highs and lows, and all around a seriously intense and fun story” Brian Chaplin from Locnville

WIN!

*For full giveaway terms and conditions go to http://www.facebook.com/RCSLifestyle

Full bloom

1. The stems should be supported evenly by the vase, and the height should match the stem length so that no flowers are stuffed into the mouth of the container. 2. Location, location, location! Heat and direct light spoil your flowers quicker – choose a cool location for your display instead. 3. K eep the water fresh and clear, changing it as often as needed, and adding more flower food with fresh water to ensure leafy longevity.

Locnville The twins Brian and Andrew Chaplin have released a second album, and Running to Midnight includes the hit song Stars Above You.

Keep your fresh-cut flowers looking fresher for longer with three easy steps:

PHOTOGRAPHS BY SHUTTERSTOCK, GALLO IMAGES & GETTY IMAGES

For over 50 years moms and dads countrywide have grown to love Royco’s consistent quality, great taste and value for money. The Royco brand is well known for its delicious tasting soups that are widely used to add mouth watering flavour to stews, casseroles and bredies. They also have a wide range of other versatile and delicious pantry products including many different types of sauces, rich gravies, savoury marinades, meal kits to help you with that favourite family meal, authentic pasta sauces and lovely seasoning mixes for potato and vegetables bakes. Because Royco’s products are easy to use and affordable, keeping them in your cupboard will ensure you always have that special ingredient on hand to turn your everyday meals into something special. RCS Lifestyle is giving away 10 Royco hampers to the value of R250 each.* The hampers include packet soups, sauces, gravies, marinades, meal kits and pasta sauces. To enter, SMS Royco followed by your name to 48540. The closing date is 30 December 2011, standard SMS rates apply.

music

There’s no better time to update your playlist than the change of seasons, and right now, these artists are all the rage:

Phelo Bala The youngest of the Bala brothers, Phelo has dropped his debut titled Phelo B after working with his brothers on The Bala Brothers, which was also released earlier this year. Nothende Madumo Her debut album Love Light offers soulful tunes and amazing beats, perfect for cruising around or lazy weekends. Beyoncé (right) 4 is her fourth and latest solo album. It’s already a winner and what’s more, the video for Run the World (Girls) features two Mozambiquan dancers in All Stars! Proud times for Africa. Jason Aldean His fourth studio offering, My Kinda Party, is for those with country music tastes, but who also enjoy a bit of mainstream pop.

2011 Issue 11 • 31

FASHION

Step out in style

this summer t describe the Sophisticated and effortless are words tha Blake Lively. and personal style of both Justin Timberlake style into your ir the ting You can’t go wrong incorpora wardrobe this summer. Hat R140 @ Foschini

Denim Jacket R380 @ Foschini

Scarf R120 @ Foschini Floral dress R300 @ Foschini Signature ring R50 @ Foschini

in. Blake completes her bag and rings. t with beige sandals, an oversize chiffon skirt and striped top outfi

, it’s Blake Lively If it’s pretty and floral this summer

Sandals R140 @ Fashion Express

Bag R429 @ Billabong 32 • Issue 11 4 2010 2011

Hat R199 @ Billabong Checked shirt R199.99 @ Studio 88

Sunglasses R1024 @ Moscon Optics

PHOTOGRAPHS SUPPLIED BY GALLO IMAGES & getty images and James Garaghty E&OE; while stocks last

V-neck Ts R79.99 @ Studio 88 Skinny jeans R499.99 @ Studio 88

Vintage watch R399 @ American Swiss

Justin Timberlake JT shows how to look good in skinny jeans and a cap, topping it all off with a smooth pair of black sunglasses. Black belt R179.99 @ Studio 88

Black lace-ups R249.99 @ Studio 88 2011 Issue 11 â&#x20AC;˘ 33

RCS PRESENTS

Groom your garden Get your garden green with everything you need to clean up and decorate your outdoor spaces for laid-back summertime entertaining. PVC Wheelbarrow from R439.95

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clean up 34 â&#x20AC;˘ Issue 11 2011

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spruce up 2011 Issue 11 â&#x20AC;˘ 35

HOME

Yummy seasonal foods

Not only are these foods cheaper when they’re in season (which is now), but they’re also readily available, so stock up on fresh fruit such as bananas, blueberries, cherries, kumquats, mulberries, pineapples, raspberries and strawberries this summer. In the vegetable aisle, grab some asparagus, baby marrows, beetroot, cauliflower, cucumber, green beans, mushrooms, peas, spinach and sugar snap peas. We also love the fresh recipe ideas on food24.com and gordonramsaysrecipes.com.

Picture Perfect Create a photo wall to spice up your summer décor. Here’s how:

■ Pick suitable frame styles for your home’s décor.

TOP TIP

Your photo wall is also a great place to show off your kid’s artwork. Hang blank frames then clip their masterpieces in with a bulldog clip. This way you can change them at any time.

■ Choose a theme that aligns with the style. Since its spring/summertime, happy snaps of the beach or garden will be best at this time of year. ■ Cut out pieces of paper the same size as your frames and border them around your arrangement for added flair. ■ Straight rows make your DIY work more impressive. If you don’t have a laser level, use a string stretched between two nails. Visit RCS partners Makro and Game for all your frames and other DIY equipment.

Less is more

Spring has sprung and it’s time for a proper spring clean to welcome the new season. Here are some ideas to banish clutter and get rid of unwanted clothes and homeware.

The great garage sale Take it one step further and invite

your neighbours to host their own garage sales on the same day. The best part is that you won’t need to spend any money – simply barter and trade items!

Make someone smile Donate old clothes, toys and books

to your nearest children’s home. Help the Rural Child has several charity stores and bookshops around Cape Town where you can drop off items – check out www.ruralchild.org.za for more info. Nationally, Cheesekids is also a good bet, and you can make a donation even if you live outside major cities. Visit cheesekids.org.za for more info.

Boxed up Stow away winter linen and other winter necessities in labelled boxes. Before packing everything away, take them for a quick dip at the laundry or dry cleaners, that’s less work for next winter.

36 • Issue 11 2011

Ever heard of Feng Shui? Feng Shui (pronounced ‘fung shway’) is an ancient Chinese philosophy dating back about 3000 years. It’s based on the art of intuitive design. Many high-profile businesses such as Virgin Airlines and the Bank of England embrace the philosophy in their professional environments. The belief is that Feng Shui teaches us how to create harmony and balance within our surroundings. For example, architecture.about.com says Feng Shui principles warn that a kitchen door should not face the stove because a person working at the stove may instinctively want to glance back at the door, thereby disrupting a task.

PHOTOGRAPHS BY SHUTTERSTOCK

Box hits

How would you like to be the movie buff among your friends without having to join the masses at the cinema? BoxOffice is a video-on-demand service offered by DStv where subscribers have the opportunity to rent the latest Hollywood blockbusters in the comfort of their own homes. BoxOffice movies are readily available for viewing, as they’re pre-loaded onto your PVR decoder. Broadband users can look forward to a similar online offering that will be launched by the end of the year. Check out: dstv.com/ BoxOffice, Facebook (DStv) and Twitter (@dstv) for more information.

Wax off!

Removing dried candle wax from carpets can be a tedious exercise. Enjoy a wax-free carpet with these simple steps: ■F irst use a credit card, plastic knife or spoon to remove as much wax as you can. ■ Then, place a damp towel or cloth over the wax and go over it with a warm iron. ■ Keep the iron moving till the steam reaches into the bottom of the carpet where it will melt and suck the hot wax into the cloth. ■ Repeat until the wax is gone.

Lunchbox treat

Asian chicken balls are perfect for everything from kids’ lunchboxes to party snacks. And they’re easy to prepare! You’ll need: ■ 4 00g chicken mince ■ ½ medium onion, finely chopped ■ 1 tsp of freshly grated ginger ■ 1 clove of garlic, crushed ■ 1 cup of grated baby marrows ■ 1 tbs fish sauce ■ 1 tbs finely chopped fresh mint leaves ■ 1 tbs finely chopped fresh coriander ■ Freshly ground pepper ■ 1 tbs of olive oil or sesame oil Method: Mix all ingredients together (except the oil), then shape into small balls. Heat the oil in a non-stick pan and fry the chicken balls for 8-10 minutes over medium heat until firm and cooked through. Drain the meatballs on a paper towel and serve with tomato or sweet chilli sauce for dipping. For a quick dinner solution, serve the chicken balls with brown basmati rice and steamed vegetables. (Source: food24.com)

2011 Issue 11 • 37

motoring

Paternoster, on the Cape West Coast.

Hit the road! It’s no secret that South Africa is blessed with some of the most spectacular scenery in the world – and more often than not these natural wonders are right on our doorstep. Here are some jolly good reasons why you should consider a local road trip for your family’s next holiday. BY HAILEY PHILANDER

rom God’s Window in the north to the icy waves in picturesque Elands Bay, and from the majestic Drakensberg range in the northeast to the Western Cape’s idyllic Cederberg region, the southern tip of Africa has so much to offer. We’ve rounded up some of the top trips that will suit the whole family. 38 • Issue 11 10 2011

West Coast cooler

The mostly unspoilt Cape West Coast is home to one of the most coveted stretches of coastline –Elands Bay, which is less than three hours from Cape Town and considered to be a surfer’s haven. As a bonus, since the semi-desert Namaqualand region borders the ocean here, time your trip carefully and you could have the

rolling waves for company on one side and vivid wild flower displays on the other. Places of interest along the route include the Strandloper beach restaurant in Langebaan, a detour to the Cape Columbine lighthouse just outside Paternoster (the last manually operated lighthouse along South Africa’s coastline), and the

West Coast National Park. There are a smattering of accommodation options in Elands Bay, including a hotel that doubles as a backpackers’ lodge and a camping site, as well as self-catering guesthouses for larger groups.

For more information, visit: > www.elandsbayhotel.co.za > www.elandsbayguesthouse.co.za > www.sanparks.org > www.strandloper.com

God’s Window

Head north to Mpumalanga to experience the aptly named Panorama Route with the world’s third largest canyon, the Blyde River Canyon, as one of its key attractions. From Johannesburg via the N12, or from Pretoria via the N4, it’s about 400km (or three hours) to the escarpment.

Continue to Sabie to experience the Long Tom Pass – the highest tarred road in South Africa – before trundling through Graskop and surrounds to cast your eyes on God’s Window, the Pinnacle, Bourke’s Luck Potholes, the Mac Mac Falls and other jaw-dropping phenomena the Blyde River has carved out of its gorge over millennia. You’ll be doing lots of walking, so be sure to have a hat and water ready, and some pocket change for access to certain spots. Artists' enclaves such as Hazyview and White River are worth a stop-and-explore, while Big Five enthusiasts can take a detour to the Kruger National Park. For those popping round to Kruger, daytrippers are advised to pre-book admission to the park, purely because there’s a

Cederberg, Western Cape.

limit on the number of visitors it can accommodate. From the direction of White River or Hazyview, the Paul Kruger or Orpen gates are probably your best bet. Get there early to get your money’s worth; park gates are open between 05h30 and 18h30 during the summer months. Stay over in the tents, rustic self-catering units or more luxurious safari accommodation at the Sabie River Camp or wake up overlooking the picturesque canyon at the Forever Resorts Blyde Canyon where self-catering chalets, caravan and camping stands are on offer.

For more information, visit: > www.sanparks.org (for detailed information on the Kruger National Park) > www.foreverblydecanyon.co.za > www.sabierivercamp.co.za

PHOTOGRAPHS BY SHUTTERSTOCK AND GALLOIMAGES

The sensational Cederberg

God's Window.

A few hours out of Cape Town (from two to four hours, depending on your route) is the magnificent Cederberg region where you can immerse your senses in incredible rock formations and floral wonders. Forego the direct route out of Cape Town and opt instead for the winding coastal road (the R27) that takes you past Langebaan and Saldanha, before cutting back across Graafwater towards the interior. One of the best ways to experience the region is to use Clanwilliam as your base and stay over at 2011 Issue 11 • 39

motoring

the self-catering Cedar Rock Resort overlooking the town’s dam. This is rooibos country – the only place in the world where this treasured fynbos is found – so be sure to stock up on products for your pantry and your bathroom. The area is also renowned for its San rock paintings, so call ahead to book a guided tour. If you’d prefer to see the Cederberg without doing much apart from walking, park the car and slackpack one of the four Cederberg Heritage Trails. Saving the best for last, hop back into the car and take the meandering route, including four incredibly scenic mountain passes, back to Cape Town. From neighbouring Citrusdal via the Middleberg Pass, take the Gydo Pass to Ceres, the Mitchells Pass to Tulbagh and the hair-raising Bainskloof to Wellington before joining the N1. Most roads in this region are tarred, but any gravel roads are well graded and should be fine for the family favourite to navigate.

For more information, visit: > www.clanwilliam.co.za > www.cedheroute.co.za

The magnificent Berg

If more thrilling pasttimes are your thing, fire up the old 4x4, strap in the kids, pack the passports and head out

Daytrips galore!

For those who are staying put this coming holiday season, there’s no reason not to make the most of the abundance of sunshine thanks to these short daytrips.

Chapman’s Peak

■ Chapman’s Peak Drive Affectionately known as Chappies by locals (and serious cyclists) the picturesque drive was officially opened in 1922 and connects the villages of Noordhoek and Hout Bay via a winding nine-kilometre route that offers sweeping views of the Atlantic Ocean as it skirts the south-western tip of the Cape Peninsula. There are various picnic spots and viewpoints along the way, as well as many farmstalls and children-friendly eateries in Noordhoek, such as the everpopular Noordhoek Village at the foot of the pass. ■ Magaliesburg Head northwest for an hour out of Pretoria or Johannesburg to the little village of Magaliesburg that

seems to have it all: mountains, valleys, rivers and forests. But you don’t have to be content with keeping your feet on the ground – strap in to take in the views on the eco-friendly Magaliesburg Canopy Tour (www.magaliescanopytour. co.za). Once you’ve fed your spirit of adventure, feed your tummy with some serious country fare from a number of establishments dotted along the town. ■ Midlands Meander An easy hour’s drive from Durban and just outside Pietermaritzburg is the Midlands Meander, incorporating the country charm of the KwaZulu-Natal hinterland with several local arts and crafts (and food!) escapes. Or if you prefer your captivating landscapes with a more rustic flavour, take the southern Midlands loop through Richmond, Ixopo and the Underberg. More mountainous and less polished than its northern neighbour, it will enthrall visitors even if the rest stops and food stops are less plentiful.

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40 • Issue 11 2011

2011/09/02 2:51 PM

motoring

Before you leave…

■ First prize is having your car serviced about a month or two before you depart on your holiday. This should allow you enough time to fix anything that’s highlighted (or detect new problems that may surface post-service). ■ Check your tyres’ remaining tread and see that the pressures are to manufacturer specification, factoring in the load and the number of people who’ll be travelling with you. Don’t forget to include your spare tyre in the check up or, if your car uses a tyre repair kit, ensuring all the components are in the car and in working order. ■ As an absolute minimum requirement, check your car’s oil and water levels.

Sani Pass to the Sani Pass, which links South Africa with the mountain kingdom of Lesotho. Once a mule trail used primarily for trade from the Lesotho Highlands into the then Natal, a fourwheel drive is recommended, as this remains a gravel route that can become especially treacherous in bad weather. While winding along the Drakensberg and the northern Lesotho mountains, take in the spectacular scenery of the surrounding mountain ranges, although the ultimate stop has to be Sani Top Chalet, famous for housing the highest pub in South Africa. Should you feel the need for an overnight stay, the chalet will gladly take you in and, once you awake refreshed, point you in the direction of Thabana-Ntlenyana. At 3482m above sea level, it’s the highest peak in southern Africa and well worth slipping into the hiking boots for. Sani Top Chalet is located at high altitudes, so be prepared for the cold.

It has a range of accommodation options to suit most budgets, from camping and backpacking facilities, to luxury rondavels. Then again, if you’re travelling in a family sedan, the alternative is to experience the splendour of this natural wonder from the valley below at the Sani Pass Resort (which offers daytrips up the pass).

For more information, visit: > www.sanitopchalet.co.za > www.sanipasshotel.co.za From winding mountain passes to sensational beaches, South Africa truly has it all, and whether you’re travelling in the trusty family station wagon or in a top-of-the range SUV, there’s something for everyone in all corners of our country. ■

MIDAS tip: engine care ■ Never rev a cold engine When you start your car, the engine isn’t yet coated with oil to protect its parts. Revving a cold engine exacerbates wear and tear and puts a lot of strain on moving parts which are grinding against each other. A cold engine should be given 10-15 seconds to idle and should then ‘gently’ be driven until it has reached a suitable temperature. Keep the revolutions below 3500 r/min to minimise wear and tear.

42 • Issue 11 2011

RECIPE

Best of the Boks They’re aces on the field, and pretty crafty in the kitchen too! The pages of Springbok Kitchen, the Boks’ first-ever cookbook, are filled with winning recipes, such as John Smit’s Thai Chicken Curry.

Extracted from Springbok Kitchen: Celebrating the Love of Food, Family & Rugby.

DID YOU know?

The Springbok hooker from 2000 to 2011, John Smit is the most capped Springbok captain of all time.

JOHN SMIT’S THAI CHICKEN CURRY

(Serves 4)

INGREDIENTS ■ 2tbsp (30ml) canola oil ■ 1tbsp (15ml) grated fresh ginger ■ 2 lemongrass stems, hard outer layers removed, finely chopped (optional) ■ 2 spring onions, chopped ■ 2tbsn (30ml) Thai green curry paste ■ 4-6 chicken breast fillets, cut into pieces ■ 125g young green beans, cut into pieces ■ 1 can (400g) coconut milk ■ 2tbsp (30ml) fish sauce ■ 1tspn (5ml) brown sugar ■ 1 green chilli, seeded and chopped ■ Salt and freshly ground black pepper ■ A few basil or coriander leaves to garnish ■ Toasted sesame seeds or chopped peanuts (optional)

PREPARATION

Featuring the favourite recipes of 40 current and former Springbok stars, proceeds from the sales of this cookbook go directly to assist the victims of serious rugby injuries. Compiled by Duane Heath and photographed by his brother, Warren, it’s a visual celebration of South Africans’ love of food and all things rugby. Featured ‘cooks’ include Kobus Wiese, Wynand Claassen, Fourie du Preez, Bryan Habana and more. The book is also available in Afrikaans as Bokke Se Kombuis – Vier die Liefde vir Kos, Familie en Rugby. Published by Random House Struik.

44 • Issue 11 2011

Heat the oil in a wok or pan. Stir-fry the ginger, lemongrass and spring onions until soft and fragrant. Add the green curry paste and stir-fry for two minutes. Add the chicken and stir to coat with the curry mixture. Stir-fry for one minute. Add the green beans and stir-fry. Stir in the coconut milk and bring the mixture to the boil. Reduce the heat and simmer the curry for seven minutes or until the chicken is done and the sauce is fragrant. Stir in the fish sauce, brown sugar and chilli. Simmer for a few minutes. Season with salt and pepper and garnish with basil or coriander and a sprinkling of seeds or nuts, if using. Serve immediately with sticky rice. ■

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PARENTING

A Grand Love

They spoil their grandchildren rotten and they are never too busy for a warm hug. A few of our readers share their fondest memories of their grandparents and the life-changing lessons they are privileged to have learnt from wise, old heads. BY KOLOSA VUSO

humeka Fatuse (25) attributes her love of numbers, problem-solving and her accounting profession to hours of spinning on her grandfather’s chair in his big office. “I was raised by my grandparents, Bejile Nicholas and Nonkululeko Fatuse, while my mother went to pursue her studies at medical school. When I was three or four-years-old my grandfather would take me to his office whenever I didn’t feel like going to pre-

46 • Issue 11 2011

school or if I had no one looking after me that particular day. I enjoyed every moment of hanging out in his spacious office, whether it was punching numbers in his calculator, or spinning around on his chair until I felt dizzy. I wanted to follow in his footsteps and pioneer in the financing field and they supported my decision of studying a B.Com (accounting) after school, although my mother had her reservations about it.”

She says while she was spoilt rotten and given support whenever she lost direction, nothing ever came easily and there was plenty of room for discipline in her grandparents’ household. “My grandparents were very strict and protective over my uncles and me. They believed that we needed to do chores around the house like gardening, cleaning the pool and cooking in order to earn pocket money. My grandfather would not let anyone leave for school

without finishing their breakfast. He introduced me to tennis at the age of 10, as he believed it would teach me discipline. My grandmother taught me how to cook, bake bread instead of buying bread everyday and that a woman’s place can be both in the workplace and in the kitchen!” Other important lessons, she adds, included standing up for the truth, not depending on other people to get things done for you and to always keep a close relationship with family, as they will always be there for you.

PHOTOGRAPHS BY SHUTTERSTOCK and Gallo/Getty images

Compassion and caring

Perhaps one of the best traits Lungi Ngcozela, a 32-year-old mother of two, inherited from her grandmother is compassion and love for others. Although she is a single mother, when her grandmother gave her instructions to be the guardian of her late cousin’s two kids in 2002, she obeyed her and she knew she could love and raise them like her own. “I was raised by my grandmother (now 84) and my grandfather (who unfortunately passed away in 1995). They played a big part in my life and in helping me become the person I am today. I learnt so much from them, like loving myself, developing healthy relationships and relating to other people and my own kids. My grandmother was very religious while my grandfather was a traditionalist, so I also learnt tolerance and respect for other people’s religions, beliefs and traditions.” She recalls her excitement whenever she would get a weekend off boarding school or during the school holidays because she would

be able to spend quality time with her grandparents. “I would get home and the first thing I would find is my grandmother in the kitchen, preparing my favourite dishes and I knew I was home.” Lungi says her relationship with her grandparents also taught her to play a very active role in her children’s lives

without being invasive or autocratic. “I want to see my children grow up and develop into their own characters. I want to also give them the love and support that I was showered with by my grandparents and, most importantly, I want them to know me and be free around me.”

Great granny!

Athenkosi Mvane (28) says he would be the happiest man in the world if

Thumeka and her grandparents at graduation.

Vital role

Clinical psychologist Sumayyah Khan lists some important roles grandparents play in a child's life: 1 Actively engaging with grandparents allows children the opportunity to realise there is no need to be afraid of getting old. 2 Grandparents can serve as an emotional safety net when a child is making big decisions. 3 Grandparents play the role of the family historian; sharing the stories of the family's past, helping develop a sense of identity and belonging. “It is important for families to have a balance and for there to be ground rules, so that the parents never feel their power is being taken away from them,” Khan adds.

2011 Issue 11 • 47

PARENTING

he could marry a girl who has similar traits to his grandmother. What started off as the odd weekend away to his grandmother’s house during his primary school days became a regular occurrence. School holidays arrived and there was no better way he could think of spending them than making vetkoeks and ginger beer with his grandmother. During his tertiary education years he moved in permanently to take care of his ageing grandmother. “She still makes sure that I carry lunch with me, whether it’s to work or a game of cricket. She makes the best dumplings and ginger beer you can ever

imagine and I would marry a girl that could do all these things in a flash!” Athenkosi says his grandmother taught him the most important quality that he feels all people should possess. “She taught me humility, she taught me to invest in other people because once a person is gone from your life, they’re gone for good. She taught me to value relationships and that everyone has a story that deserves to be listened to.” He says taking long walks with his grandmother has taught him never to take life for granted and to cherish it. “My grandmother walks everywhere, she hates being reliant on taxis or on

anyone else but herself. That has taught me to celebrate being healthy and alive,” he says. When it comes to taking advice or being corrected over any shortcomings, he enjoys his grandmother’s direct approach. “My gran is a straight talker and sometimes she comes across as very harsh, but after she has corrected or reprimanded me, she quickly gets over it. My mother on the other hand reacts very slowly to situations; she will hide her anger from me and then suddenly explode. My mother is also very precise, she sticks to what she knows best, while my gran is quite lenient and is very understanding,” he says. Athenkosi says although his grandmother wanted him to follow in his dad’s footsteps and become a teacher and be active in the community; she has always supported him in his journalism career and she has been his pillar of strength in many ways. “It’s great to have someone who’s got your back and who is ready to defend you whenever you have a fight with your parents. It’s awesome, you get away with a lot of mischief too!” he jokes. Grandparents not Grandparents' Day in only pamper their South Africa is celebrated on grandchildren, they also the first Sunday of October. play a remarkable role You may have missed it this in letting their grandkids year, so plan something special for 2012! express who they are while also offering long-earned wisdom and faith that parents can sometimes overlook in the rush of everyday life. Whether it’s your ‘oupa’, your ‘nana’ or ‘granny’, give them a big hug to show them how grateful you are to have them in your life. ■

DID YOU know?

“It’s great to have someone who’s got your back and who is ready to defend you" 48 • Issue 11 2011

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RCS Q&A PARENTING

Credit Buzz If you have any legal questions or problems that you need answered, contact Credit Buzz.

WHAT IS ‘OVER-INDEBTED’?

ILLUSTRATION BY SHUTTERSTOCK

In terms of the National Credit Act (‘The Act’), someone is over-indebted if he is unable to pay his debts on time, taking into consideration his financial means and his repayment history. Being over-indebted is more than having temporary or minor financial difficulties. It means that in all likelihood you will be unable to meet your future repayment obligations in terms of a credit agreement and that your creditor may take legal action against you. It also means that you will not have access to further credit as ‘the Act’ specifically forbids a

credit provider from giving credit to someone who is over-indebted.

“In terms of the National Credit Act (‘The Act’), someone is over-indebted if he is unable to pay his debts on time, taking into consideration his financial means and his repayment history” Therefore, avoid becoming overindebted by managing your finances. Know how much money you make, spend and owe, at all times, and pay your debts on time.

Please note: The information provided in this article is not, nor is it intended to be, legal or other advice, and merely conveys general information related to legal issues commonly encountered. RCS, its employees or affiliates do not accept any liability for damage or loss sustained by any person as a result of reliance on the information. Always consult an attorney for individual advice regarding your own situation.

You can send your questions to rcs@tenfourmedia.co.za 2011 Issue 11 • 51

finance

Medical aids demystified

urrently, there are 160 different medical aid schemes operating in South Africa, so when it comes to covering yourself for medical expenses, things have become pretty complicated over the past few decades. We’ve rounded up some expert advice to help you choose the best possible cover for you and your family. “It’s very important to ‘insure’ your health,” advise the experts at medicalaid.co.za, a specialist website providing up-to-date information about medical aids in South Africa. Accidents can happen, while your state of health is always unpredictable. If you cannot afford comprehensive cover, a basic hospital plan is recommended at the very least, they say. “The main benefits of a hospital plan are that you would be covered for the highest cost interventions and

52 • Issue 11 2011

catastrophic care. You’d also, in most cases, be covered in a private facility; and the set of 272 conditions under the Prescribed Minimum Benefits would be covered in full. The other benefit is that, even though it’s only a hospital plan, these plans must by law also cover a set of 25 chronic conditions, such as hypertension and asthma,” says Heidi Kruger, head of the Board of Healthcare Funders of South Africa (BHF) Corporate Communications. According to Lauren Meeser, Practice Manager at Crue Consulting, the main types of medical cover available in SA are medical insurance, medical schemes and gap cover. “Medical insurance is a product that is underwritten by an insurance company and sold to individuals. You’re insured against a specific event, for a specified amount and the monthly premiums are calculated based on the

life assureds, health, age and medical history,” she says. Kruger adds that, “Insurance products are generally risk rated, therefore you pay a higher premium based on the risk you bring. Also, the money that’s paid out is based on your contribution and not what the actual condition/intervention costs.” Kruger says she firmly believes that it’s essential to have medical aid cover as it covers you for far more. Medical schemes provide financial aid in the event of medical services needed. “Members essentially ‘pool’ their monies together and medical expenses are paid from this ‘pooled’ fund,” says Meeser. “Unlike medical insurance, you may only belong to one

PHOTOGRAPHS BY SHUTTERSTOCK

Medical aid schemes all promise to give you the best possible service. Here’s how to read between the lines and find the scheme best suited to your needs. By RIEKIE HUMAN

finance

registered medical scheme at a time and the medical schemes may not charge one member a higher premium because of age, disability or health.” A relatively new kid on the block in terms of medical cover is what’s known as gap cover, and Meeser says that as a member of a medical scheme, benefits are limited to the medical scheme tariffs, which vary per scheme. “Gap cover is essentially a ‘top-up’ product that is designed to provide cover for potential shortfalls, or gaps in the event of hospitalisation involving surgery or medical treatment.” “Gap cover should be seen as a positive add-on to your medical aid,” advises medicalaid.co.za. “Topping up medical scheme cover is essential in light of the ongoing increases in medical scheme costs and private hospitalisation. To make healthcare cover more affordable, members take the cheaper option within their medical scheme and top up with an insurance product. Gap cover can reduce or eliminate out-of-pocket expenses while you are hospitalised.”

■ Savings plans > Offer in-hospital cover and a medical savings account for day-to-day medical expenses such as doctors, dentists and medication. Members can contribute a maximum amount of 25 percent of their medical scheme contribution to a medical savings account. Members also have cover for approved chronic medicine. ■ Comprehensive plans > Offer extensive in-hospital cover as well as comprehensive day-to-day benefits and chronic illness benefits. “These plans are generally higher-cost options,” says Kruger. They may have a savings account component, and they usually offer cover for everything from doctors, dentists, optometrists, scans and catastrophic cover, like hospitalisation.

Do your homework

When you weigh up different health-

care cover providers against each other you should consider whether your medical aid of choice would limit you to a specific network of hospitals. Also, consider whether you need additional chronic (long-term) medication cover; to what extent do you need day-to-day cover and whether you’re planning any surgical procedures in future. Experts agree that the main thing to consider is the sustainability of your health plan of choice, as well as factors such as: ■ The company’s previous years’ premium increases. ■ The company’s solvency levels. ■ If they’ve contracted with preferred providers or have payment arrangements in place to assist members in keeping their medical costs as low as possible. ■ The member size and average age within the scheme. Look for a

Your options

Medical aids usually offer a bouquet of benefit plan types to suit every pocket and cover a range of medical needs. For example, there are options ranging from high-cost comprehensive plans to low-cost hospital cover. The three main types of medical aid plans are hospital plans, savings plans and comprehensive plans, explains Meeser, and adds that each of them works as follows: ■ Hospital plans > Offer in-hospital cover. Members also have cover for certain approved chronic medicine. 54 • Issue 11 2011

“Medical savings account for day-to-day medical expenses such as doctors, dentists and medication”

eyebar

Finance

medical aid that hasn’t gained or lost a significant amount of members in the last 12 months and has the influence of critical mass. Also ensure that the average age of the scheme’s members is not too high. ■ External factors: Global Credit Rating (www.globalratings.net) is an independent company that rates the claim paying ability of medical aid schemes. Ensure that the medical aid you choose has a good rating.

Keep it simple

While it’s always advisable to shop around and make sure you have the best deal possible for all your insurance policies – from home insurance to car insurance and health insurance. “Medical schemes may impose waiting periods and may also impose late joiner penalties,” says Kruger. “Waiting periods may also be three to

12 months, depending on the specific situation. For example, a pregnant woman who joined a scheme while pregnant wouldn’t be covered for the birth as she hadn’t previously contributed to that scheme and it would be unfair to those members who’d been contributing for a longer period.” In essence, every time you change a medical aid, you’ll be underwritten and may find yourself with a waiting period. Meeser adds that late joiner penalties could also apply to members over the age of 35 years who’ve not had continuous cover on a registered medical aid since 1 April 2001. If you do opt for a change of plan, www.medicalaid.co.za says that most schemes require written notice of between a month and three months of your intention to resign from the scheme. Changing options within your current scheme can be done only

“A pregnant woman who joined a scheme while pregnant wouldn’t be covered for the birth”

Compare the offerings

For an independent look at what the various medical aids and insurers have to offer, visit www. medicalaidcomparisons.co.za, where South Africa’s leading medical aids are compared. towards the end of the year, for commencement on 1 January.

Doctor’s orders

If you need to have surgery, all medical aids adhere to the same policy, and members need to obtain pre-approval 48 hours before going to hospital (which can be done telephonically). However, to cover all your bases, the onus is on you to submit the quote for your operation to your medical aid to establish what will be covered and at what rate. To get this level of information, it’s best to do the submission two weeks before your procedure, says Meeser. Even if you do request a quote, you still need to obtain a pre-approval number for the procedure. Of course, in the case of an emergency, there’s a different protocol, and you can go straight to hospital. But you or someone else will have to call your medical aid within 12 hours for approval – although that is a general time frame and it may vary from medical aid to medical aid. There are many factors to consider when choosing a medical aid, but one thing’s abundantly clear, and all the experts agree: it’s highly advisable to have some sort of medical cover for you and your family!

2011 Issue 11 • 57

Finance

Just the Job Many working individuals are choosing the path of temping or short-term contract work. Find out more about this temp(ting) career option. By Jacqui Lund

hese days, it’s not uncommon for individuals to have two or three career changes and, with an increasing emphasis on good work-life balance, excitement and variation, many people are opting for freelance or short-term contract work. If you’re feeling jaded in your routine nine-to-five job or tired of the struggle to find work, maybe it’s time for a direction change.

PHOTOGRAPHS BY shutterstock

Is temping for you?

Everybody is a potential temp: these days recruitment agencies place workers in just about every imaginable industry and profession. Industries such as hospitality, office administration, health, construction and agricultural work lend themselves to short term work. Construction, for example, is usually done on a project or contract basis and companies hire according to their current project needs, while hospitality and agriculture are dominated by seasons. “Many hotels and convention centres cannot operate viably without having a temporary, flexible labour force, due to the seasonality of the hospitality industry,”

explains Phillip Meyer, chief operating officer for LSC Staffing Solutions South Africa, a placement agency specialising in the hospitality industry. He adds that temping is often regarded as an entry point into an industry as it allows junior candidates the opportunity to try out the job market and gain various bits of crucial experience at various assignments. It’s also a great option for those who are considering a career change, or those who are unemployed. Lawrence Wordon, MD of Kelly Group, a staffing solutions company, says that many people starting a new career are attracted to the flexibility of temporary work because it allows them to test the

waters in their new profession without tying them down to a permanent job.

A foot in the door

The world of temping isn’t easy to navigate on your own, unless you have a long list of contacts. One of the simplest ways to get started is to join an agency who’ll do the hard work for you. “An agency will help ensure that you are placed in regular assignments, are paid on time, receive rates that are comparable to the industry norm for that position as well as statutory benefits such as leave, sick leave, compassionate leave, UIF and workmen’s compensation,” says Meyer. “They also provide career ...(continued on page 61) 2011 Issue 11 • 59

your career

Positives and negatives

As it is in any industry, there are positive and negative sides to temp work. On the one hand you can look forward to: ■ Flexibility – temporary workers are employed on contracts which can be more easily ended than permanent employment. It also means that employees can choose their jobs and plan their time around fixed periods of employment. “Temps enjoy access to myriad establishments and jobs and can often be more selective in terms of what they want to do,” says Meyer. ■ Variety – working for different companies and receiving exposure to a variety of industries. If you thrive on change, temping will suit you. It’s a great way to develop your skills. ■ Higher pay – “Temp employees often, by comparison, earn more than a permanent employee as they usually work on an hourly rate and are paid for all hours worked, unlike permanent staff who may be working long hours for less reward,” says Meyer. ■ Benefits – temporary staff, by law, are entitled to the same statutory benefits as permanent staff. They have the same rights to annual leave, sick leave, UIF and workmens compensation. Recruitment agencies who place temporary workers should ensure that their workers receive all the required benefits. ■ Training and learning – apart from great opportunities to get experience in different roles in a variety of companies, learning all the way, temps who work through recruitment agencies are often given extra training in their field. ■ Mediation – agencies such as Geoff Hobson and Associates, who specialise in contract work in the construction industry, may intervene on behalf of their workers in difficult employment situations. “We consult and mediate to prevent any unfair dismissals which may lead to CCMA cases,” explains Lerato Louw, director of the company.

60 • Issue 11 2011

On the down side you might be put off by: ■ Less security – “Contracts are flexible for the employer, so should there be no more work, a change in the job or the projects ends, they are able terminate your employment,” explains Louw. Short-term workers may also experience periods in between contracts where they aren’t employed and therefore don’t receive an income. ■ Isolation – taking up a job temporarily means that temp employees rarely have a chance to settle in and make friends. “Depending on the establishment, temp employees may battle to find a sense of belonging as the job they occupy is often a short-term position and they may not necessarily buy into the culture of an organisation,” says Meyer. ■ Lack of career progression – without staying consistently in one company, there is no clear career progression path, although with experience you will be able to demand a higher hourly rate and better positions as a temp. ■ No routine – if you like to get up at the same time, drive the same route, do the same tasks and leave at the same time every day, then temping is not for you. For each contract you are likely to go into different places and may have different work hours. ■ Possible extremes of work – being in a temporary position may mean that no one has allocated tasks to you, so you could spend days without anything to do. Or you might also be thrown in at the deep end with no clear guidance on what to do.

guidance, enrol you in training programmes to improve your skills and offer incentive programmes to encourage temps to work hard.” Make sure you join an established, reputable agency – research the potential agency and find out how long they’ve been going, how big they are, what they offer you and what they expect of you. As a potential employee, you’ll need to show that you have an excellent work ethic, that you’re professional and well presented, always on time and you do every task to the best of your ability. This kind of attitude will secure you the best placements and ensure that companies want to use you again. “We understand the importance of ‘putting your best foot forward’ in order to lead to a successful career and possibly a permanent position. We encourage

Dealing with taxes

our temporary workers, therefore, to show commitment, reliability and hard work in order to make the very best first impression and pave the way for their future,” explains Wordon. You’ll also need to keep in regular contact with your agency, letting them know whenever you’re available so they can find you another job.

As a short term contractor you’ll be responsible for your own taxes. If you work for more than one employer or earn R120 000 or more in a financial year (1 March to end February) you’ll need to submit an income tax return. A recruitment agency will deduct PAYE throughout the year and issue your IRP5 at the end of the financial year, which can make tax time a bit simpler. For full guidelines on tax, go to www.sars.co.za or call them on 0800 00 7277. Taking all this into account and armed with a positive attitude and a good work ethic on your side, you can ace the world of temping and find out why this type of work is becoming the chosen path of many happy jobseekers.

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62 • Issue 11 2011

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BACKCHAT

Move it!

iving advice on moving house is a bit like giving advice on what kind of moisturiser to use. Just like it all depends on your skin type, tips on banishing the moving blues are intricately linked to some of your most sensitive personality traits. I have a combination of personality streaks that are not conducive to smooth moving – pretty much the equivalent of a skin type that makes beauty counter assistants frown despondently. Look, I’m not ashamed to admit it, but I’m possibly the most impatient person I know. That, and a control freak. And on the 17 occasions in my life that I’ve had to move house, these two personality traits have come out in full diva mode. Here’s what I’ve learnt. If – like me – you’re impatient and it sets your teeth on edge to even see a queue (let alone stand in one), the best housemoving tip I can offer is to be as far away from the homes in question when the move takes place. Bribe your husband, sweet talk your sister or even bully your best friend into doing you the favour, but whatever you do – stay far away from the action. Simply because it takes quite a while for the action to happen! The universal rules of moving are 64 • Issue 11 2011

fairly simple (and fairly annoying) and are bound to drive you mad. Movers are always late; it always takes longer to load the truck than you expect; there will be at least two items that won’t fit on the truck; you always need more trips than anticipated; and finally – my personal favourite – the movers will get lost en route to your new home. This after they’ve dropped your favourite mirror/vase/dinner service. On the other hand, if you’re a control freak, you need to be there. All the time. And despite the fact that you’ll be red in the face with frustration from dusk till dawn. Before you can sink into your favourite couch with a sigh and say ‘home sweet home’ in your new castle, you need to do some hard work, and most of it’s mental. Sure, you’ll get frustrated, you’ll get annoyed and you’ll want to stop the whole process at least five times and decide to stay in the house you were planning to move from, but at least

this way you can guarantee that your precious heirlooms aren’t treated tragically. The alternative is far worse and it’s not recommended to down tools on such a momentous day, or you’ll most certainly come face to face with the worst of moving blues. The universal rules of in absentia moving are equally clear, uncompromising and crazy-making. Not one piece of furniture will be placed where you want it; several boxes will go missing (only to be discovered years later in the attic); your family heirlooms will suddenly feature all kinds of scratches and chips and last but not least – at least one of the doors in your new home will be inexplicably unhinged. I speak from frustrated experience. You can see where this is going… Because, finally, if – like me – you’re blessed with both incurable impatience and a tendency towards being a control freak, there’s only one piece of moving advice that I can offer you, and I’m planning to stick to this for the rest of my days too. Whatever you do… don’t move!

ILLUSTRATION BY ROB FOOTE

Moving house is a stressful experience that requires calm under pressure, yet not everyone has the self-restraint to do it gracefully, says Riekie Human.

summer trends

www.arthurkaplan.co.za Tel: 0861 KAPLAN (527 526)

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