lifestyle
R14.95 • FREE TO RCS CUSTOMERS*
Issue 12 2012
Get job ready
MOTOR finance Everything you
HoT Wheels 2012’s most
Secret skills Discover your child’s
How to control the interview
anticipated cars
WIN R25 500
worth of charm bracelets from Arthur Kaplan
Healthy Habits 10 tips for
need to know
hidden talents
WIN
R30 000
worth of Kilimanjaro Tiles from CTM
better health
Reuben Riffel
South Africa’s local chef with an international flavour DIY Dreams Puzzles Reuben recipe Fashion favourites Pasta recipe Puzzles Winter wardrobe Sports diary
RCS CONTENTS entertainment
health
shopping
finance
home
contents
14
Through commitment and volunteer work, RCS staff help to build homes...
Follow twitter celebs that are backing good causes, and look back at memorable events that set tongues wagging in 2011.
24
26
30
Achieve good health at any age by following these key 10 steps.
Diamonds are a girl’s best friend, happening hats for summer, and the skinny on different types of ice-cream.
Helping Hands Entertainment
Health How the latest technology in smartphones and tablets can benefit your health, plus tropical treats to add to your grocery list.
The key to super health
16
COVER STORY
Reuben Riffel With celebrity status and two cookbooks to his name, RCS Lifestyle is lucky enough to get more insight on Reuben Riffel’s passion for cooking and other life ingredients.
Shopping
32
Style of the stars Take your fashion cues from the stars, but without breaking the bank thanks to the RCS retail partners.
22
Do you know your celebs? Find out by taking our quiz.
36
DIY dreaming Do it Yourself this year - with this selection of handy home improvement goodies.
WIN Stand a chance of winning R25 500 worth of charm bracelets from Arthur Kaplan. Plus, readers can win R30 000 worth of Kilimanjaro Tiles. TURN TO PAGE 8 & 11 NOW! Write to us at RCS Lifestyle: PO Box 15192, Vlaeberg, 8018 or rcs@tenfourmedia.co.za
02 • Issue 12 2012
PHOTOGRAPHS BY GALLO IMAGES/GETTY IMAGES & SHUTTERSTOCK COVER IMAGE SUPPLIED
10
RCS CONTENTS entertainment
health
shopping
home
finance
contents
38
Home Make yummy jam from scratch, home improvement tips and the miraculous powers of baking powder.
46
Hidden talents Pinpoint your child’s hidden talents. It could set them on course for bigger and better things in life.
54
Car finance All you need to know about vehicle financing in order to zoom out the showroom with the perfect package.
REGULARS
04 • Issue 12 2012
40
Car candy Hot wheels that our hitting our shores in 2012.
58
Who’s the boss Before you sign on the dotted line, make sure you’ve done your homework on your new employer.
45
Recipe A delightfully delicious, quick and easy treat from Reuben Riffel.
64
Backchat Our columnist recalls his camping capers at Christmas.
6 Ed’s letter 9 Letters & WINNERS 10 News from RCS 8 & 11 win with arthur kaplan jewellers and ctm. Turn to pages 8 and 11 to find out more about these great prizes. 62 Puzzles Keep your mind active and WIN R500. 63 stockists
Ed’s letter
2012, here we come
I
t’s hard to believe, but by the time you read this, RCS Lifestyle will be almost three-years-old (the first issue of RCS Lifestyle was published at the end of 2009). In this, the 12th issue of the magazine, you’ll notice some changes, bold nips and tucks that will hopefully increase your reading pleasure. New logos, variations to the staple RCS colours of orange and black, and slight changes to the font in the magazine have all come together to provide a fresh and energised look to the RCS brand and RCS Lifestyle. It’s only fitting, then, that the first issue of 2012 provides you with a rebranded and reinvigorated product. The same great content remains, however, all geared to making your time spent with RCS Lifestyle a pleasure. Our first celebrity to grace the cover of the new-look RCS Lifestyle magazine is renowned local chef, Reuben Riffel. The Franschhoek local is becoming a popular presence on the South African culinary scene, with up to three restaurants running in the Western Cape. His warm smile and affable charm have also made him a frequent guest on television chat shows of late. Thankfully we were able to track down this busy man, and gain some valuable insight into his life in the kitchen and discover the inspiration behind is success. Learn more about the man behind the must-have meals in Cooking Up A Storm, page 16. Of course, we couldn’t give you an interview with Reuben and not provide one of his recipes. Be sure to read Easy Apples, page 45 for a hassle-free dessert that will have you smacking your lips in anticipation. Also, you stand a chance of winning one of Reuben’s cookbooks by simply writing to us (see page 45 for details). For motor fundis, steer yourself to Hot Wheels, page 40 for three of the hottest soon-to-be-released cars in South Africa. And parents, check out Grooming Young Talent, page 46 for all the help you’ll need in spotting your child’s hidden talents. Here’s to a good and prosperous 2012 for you all, David What new changes are you making in 2012? 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.
06 • Issue 12 2012
RCS Lifestyle EDITOR
David Moseley rcs@tenfourmedia.co.za 021 424 8459 ART DIRECTOR
Lindsay Peddie DESIGNER
Kristin Whitfield managing editor
Riekie Human staff writer
Kolosa Vuso CONTRIBUTORS
Hailey Philander James Garaghty Rob Foote PUBLISHER
Nic Morkel nmorkel@tppsa.co.za 021 488 5926 082 468 6490 ADVERTISING SALES
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
F Dalvie and S Brand
RCS Retailer Enquiries
0860 729 727
RCS Customer Services
0861 729 727
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
1 WEDDING. 1 DREAM.1 STORE. HUNDREDS OF WEDDING DRESSES FROM R3500, RETAIL SUITS FROM R1999, BRIDESMAIDS DRESSES FROM R950, SUITS FOR HIRE FROM R400, FLOWER GIRL DRESSES, SUITING ACCESSORIES, MOTHER OF THE BRIDE AND SPECIAL OCCASIONS DRESSES TO CHOOSE FROM.
B R I DA L & S P EC I A L O C C A S I O N S
TOLL FREE 0861 244 329 GAUTENG - WESTERN CAPE - MPUMALANGA
InspIre creatIvIty express yourself WIn one of 15 dazzling Muse charm bracelets from arthur Kaplan each valued at r1700. MUSE is Arthur Kaplan’s enticing silver fashion brand with a collection of Sterling Silver charms, bracelets, earrings and a dazzling collection of Sterling Silver rings. Add that extra touch of magic and get creative with the range’s delightful trinkets and charms. Share the inspiration with your treasured friends with these ideal gifts. 15 lucky RCS lifestyle readers can win a Muse charm bracelet by answering this easy question: What is the name of Arthur Kaplan’s Silver jewellery collection? Sms the answer to 49016 by the 31 March 2012. Standard SMS rates apply.
www.arthurkaplan.co.za • Tel 0861 KAPLAN (527 526) TERMS & CONDITIONS 1. The judge’s decision is final and binding and no correspondence will be entered into. All entrants into the competition agree to the rules set out herin. 2. In order to be eligible to win prizes in the competition, entrants must SMS their answers to 49016. 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 10th January 2012 and entries will close on 31 March 2012. 5. The winners draw will take place on 02 April 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 10 April 2012. 7. There will be 15 prize winners drawn. 8. The prize will consist of a Muse Charm Bracelet valued at R1700 for each winner. Charm bracelet may differ from the one pictured. 9. The competition is open to all RCS Cardholders & RCS Loans customers residing within the Republic of South Africa. RCS and Arthur Kaplan, partners, directors, members, agents and consultants and employees of RCS and Arthur Kaplan Jewellers, 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/publish winners’ names and photographic images for publicity purposes. Competition winners may, however, decline an invitation by RCS to use their image for publicity purposes. 12. All participants must be over 18 years of age and must reside within the Republic of South Africa.14. 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.
letters & winners
Reader letters
Love the makeover! Good Day. As a valued customer of RCS, I would like to take the opportunity, to applaud everybody that was involved in the new brand process of the company. I really do like the makeover of the brand… it really shows a person that RCS is still alive and kicking. I also read the RCS Lifestyle magazine, which I found very interesting. Well done on a great job, and I hope the RCS brand goes from strength to strength! Regards, Lizinda – sent via BlackBerry HEALTH
Get movinG to keep fit. the Comrades Marathon and You don’t need to train for a day you can get in shape, With just 30 minutes of exercise BY david moseleY time. improve your life at the same
E
arlier this year South Africa’s health minister, Dr Aaron Motsoaledi, vowed to he was fight flab when he realised was ‘shocked overweight. The minister to medical into action’ after listening African professors at a Southern health Development Community May. “The meeting in Khayelitsha this a lecture and professors were giving us to all of us they gave a tape measure and deputy who were there, ministers Times ministers,” he told the Sunday told us shortly after the event. “They mass we should measure our body of your index, which is a measurement I can tell weight versus your height. time I did you all of us failed. At that but not consider myself overweight by far.” they showed that I was -
HealtHy Habits
shocked to South Africans might be a whole is learn that the country as in getting fatter. A survey published noted Britain’s Guardian newspaper Africans are that 61 percent of South obese. overweight, obese or morbidly As the though. All is not lost, Minister of Health has shown, increasing your cardiovascular in the output is a surefire winner war against the wobble. “Regular
did You know?
Fabulous 5 Exercise can improve your
Climbing just two flights of stairs everyday could result in a loss of 2.7kg per year
life, here’s how.
more relaxed. boost 1 ExErcisE controls wEight 4 ExErcisE givEs you a excess Exercise can help prevent Exercise and physical activity weight gain or help maintain deliver oxygen and nutrients the your weight loss. this is because to your tissues and help calories more you move, the more cardiovascular system work your you burn. more efficiently. and when 2 ExErcisE combats disEasE and lungs work more heart energy no matter what your current efficiently, you have more weight, being active boosts to go about your daily chores. (hdl), or high-density lipoprotein 5 ExErcisE is fun you ‘good’ cholesterol and decreases physical activity can help this in unhealthy triglycerides. connect with family or friends a dance keeps your blood flowing fun social setting. take a your or join smoothly, which decreases class, hit the hiking trails risk of cardiovascular diseases. a soccer team to make things happy solitude 3 ExErcisE makEs you more social if training in physical activity stimulates is not your thing. that can various brain chemicals source: mayoclinic.com and leave you feeling happier
lifestyle
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More from RCS Lifestyle readers Healthy hearts Thanks so much for your story in the last RCS Lifestyle magazine (Get Moving, RCS Lifestyle issue 11). I have been sitting around neglecting my health for too long now. But reading about Dr Aaron Motsoaledi and his ‘war on weight’ has inspired me. I don’t want
to become an overweight statistic, so I’ve decided to try and walk as often as possible and hopefully progress to running soon. Like the article said, every small step counts, and I hope that I can continue taking these steps back to a healthier and fitter life! Jermaine, Kuils Rivier
26 • Issue 11 2011
Winners
These lucky readers won with RCS and Tekkie Town. Congratulations!
Nevados R1000 Tekkie Town Gift voucher 1 Shirley Engelbrecht 2 Raquel van Wyk 3 Ricardo Thomas 4 Virgil Braaf 5 Thenjiwe Olifant
Avia R1000 Tekkie Town Gift Voucher 1 Glenton Steenekamp 2 Jeffrey Bezuidenhout 3 Johanna Lategan
4 Steve van Vuuren 5 Phumla Tokwe 6 Lydia Twala 7 Nicola Abrahams 8 Shirley Breach 9 Orlando de Ciarese 10 Krithesh Lanka 11 Wayne Bloem 12 Esme Ferrera 13 Jackie Riddles 14 WJ Laubscher 15 McDonald Nemgeekhulo 16 Roshne Govender 17 Michael Johnson
18 Fabila Louw 19 Ntombi Zifikile 20 Hannepie Smit
RCS Loans Winners!
Verimark CEO Michael van Straaten (abov e left) with the happy prize-winner Sally and family .
These five RCS customers each won R10 000 paid back into their loan. Congratulations. ■ Mr Taswin Koopman ■ Mr Macarnold Khumalo ■ Mrs Isabelle van Greunen
■ Mr Braam Alberts ■ Mr Edwin Malesa
Verimark winner! Congratulations to SallyAnne Chalmers (pictured above), who won a brand new Ford Fiesta 1.6i Sport with Verimark. 2012 Issue 12 • 09
RCS LIFESTYLE
JP Booysen and other volunteers from RCS put the finishing touches on a roof during a recent Habitat for Humanity build.
Helping Hands For a number of years now RCS staff have been volunteering their services to help build houses. By Kholekile Dlakiya
R
CS has been changing lives for the past four years through Habitat for Humanity. To date, RCS has delivered five houses to five recipients. With each house, built by RCS staff volunteers, RCS has been able to provide suitable housing for people who need it most.
10 • Issue 12 2012
In the words of one RCS volunteer, it is humbling to see the transformation of a person’s living circumstances that can take place over a week. This is in response to the fact that when RCS volunteers arrive on a Monday, all that is present on the building site is a concrete foundation. Over the next four days, volunteers
transform this empty space into a suitable home for a family to move into within a week. So how does this work?
The process On the first day, volunteers build the first eight rows of the house. The next day consists of brickwork, to take the walls to 12 rows. Building volunteers
COMPETITION
Capture the African landscape
3
luCky RCS lifeStyle ReAdeRS will eACh win R10 000 wORth Of kiliMAnJARO tileS fROM
Inspired by Africa’s breathtaking landscapes, Kilimanjaro tiles are unique in the world of ceramics. Choose from over 70 African landscapes – with Kilimanjaro, you can enjoy the rugged natural beauty of Africa in the comfort of your own home.
How to enter to win, SMS CtM followed by your name and the answer to 43501. Standard SMS rates apply.
Answer by filling in the missing word CtM is giving away R30 000 in _ _ _ _ _ _ _ _ _ _ _ tiles.
RCS Cards now accepted at CTM stores
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 11th January 2012 and entries will close on 3rd April 2012. 5. The winners draw will take place on 5th April 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 12th April 2012. 7. There will be three prize winners drawn. 8. The three prizes will each consist of R10 000 credit to spend on Kilimanjaro Tiles 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 whatsoever for any direct or indirect nationwide responsibility loss or damage howsoever arising.
RCS LIFESTYLE
RCS volunteers carry room-dividers to the building site.
“Helpers range from RCS call centre agents to the CEO of the company” then start with the internal dividing walls on Wednesday, which is also the day the rooms are constructed. Thursday is the roof work and on Friday we hand over the keys of the newly constructed house. That is how quickly and efficiently the house is built. In all the years that RCS volunteers have been building these homes, not a single structure has been taken down by the building inspector for defects or bad workmanship. This is testament to the RCS commitment of quality and professional work. If you look at the different levels of volunteers for the building week, helpers range from RCS call centre agents to the CEO of the company. We’ve also had the pleasure of the Operations Executive participating in the builds. This shows the commitment RCS as a company has to its social responsibility. RCS commends all volunteers and staff who have braved harsh weather conditions this year and the tough labour that goes with building, and for their commitment to a worthy social cause. 12 • Issue 12 2012
Shameel Petersen of RCS ensures that the spirits are high on site, and that the spirit levels are straight on the brickwork. Volunteer Tarryn August was a helpful and happy worker on site.
Razeen Jonathan passes roof tiles to the top of the building.
QUALITY BUILDING MATERIALS, TOOLS, PAINT AND HARDWARE
The Right Stuff for the Job
Trowels
Building can be quite daunting if you aren’t sure exactly which tools to use. The right tools can make all the difference to whatever task is at hand. Your consumer champion, Cashbuild, stocks a wide range of tools suitable for just about any building task. Follow this easy reference guide to basic building tools and you can easily get started.
Trowels are used in many different applications and are an invaluable building tool, and they come in many shapes and sizes.
Straight Edges
A bricklayer’s trowel (also known as a pointing trowel) is used for leveling, spreading, or shaping cement, plaster, or mortar, and for breaking bricks to shape them or smoothing a mould.
A straight edge is generally used to check the evenness of straight surfaces or to mark off straight lines. It is an important tool to have when constructing walls, doing tiling or undertaking any other building task that requires an even surface. Straight Edges are made out of an aluminum extrusion which makes them very lightweight and easy to use. This also ensures that even if you forget your straight edge on the job, it won’t rust under the elements.
Plastering trowels are larger and flatter than brick trowels, and cover a larger area, so they work very well when spreading cement. These are also available with a notch or without a notch, depending on the look you want for your cement.
Spirit Levels
Wooden Floats
True straightness is generally measured using a spirit level. These are available in both traditional and laser varieties. A spirit level is a definite “must have” for any serious building job.
Wooden floats are used for smoothing the surfaces of concrete prior to it setting. and produce a relatively non slip surface. These tools are indispensible when it comes to any cement or concrete application.
It is very important to ensure that the spirit level you purchase is of good quality, or you might find at the end of your project that your edges are not straight.
Ensure that the wooden float you purchase has a level and smoothed off surface before purchasing, or else it is useless for the job needed.
Laser line levels can illuminate an accurately straight line on a flat surface such as the edge of a plank or shelf.
These are the most commonly used trowels but these handy tools are also available in outside sharp and outside cove varieties.
0861-CASHBUILD (2274 28453) Visit your nearest Cashbuild store to get all the tools you need. Cashbuild has stores conveniently located throughout Southern Africa. For more information call the Cashbuild Customer Care line on 0861-CASHBUILD. CODE RED 390 • GO Advertising 63950
entertainment
Entertainment
Movie
All a-
Due to their previous successes, these top movie sequels to be released in 2012 are sure to fill cinemas all over: Madagascar 3 The pack consisting of Alex the Lion, Marty the Zebra, Gloria the Hippo, and Melman the Giraffe, are still finding their way home, this time via Europe.
■ Justin Bieber The teen sensation (@justinbieber) has partnered with PhoneGuard Inc to promote their Drive Safe software app. The app disables texting, emailing and keyboard functions on a mobile phone while you are in a vehicle – helping to reduce car accidents amongst teenagers.
Mayhem
Apart from using it to keep in touch with their fans, some celebs also use twitter for jolly good causes.
■ Ellen DeGeneres The hilarious talk-show host (@TheEllenShow) launched the Be Kind campaign (which is aimed at stopping bullying), raised over 10 million dollars for New Orleans following Hurricane Katrina and is a prominent advocate for the The Gentle Barn – an organisation that rescues and rehabilitates animals in need.
Oh what a year! ■ Kim Kardashian’s marriage to Kris Humphries lasted an unbelievable 72 days.
The Avengers Superheroes in abundance is what you can expect from Captain America, Iron Man, Hawkeye, Black Widow, Nick Fury, the Hulk, and Thor. Men in Black 3 Will Smith and the gang will be kicking some serious butt in this 3D threequel.
14 • Issue 12 2012
Top tourist attraction
S
outh Africa is ranked among the top five countries in the world when it comes to tourism growth – with our industry growing at three times the global average. In fact, the number of tourists visiting South Africa has grown from 3.9 million in 1994 to a whopping 11.3 million in 2010. (Source: sagoodnews.co.za)
■ The royal weddings, however, seem like the real deal. The fashionable Kate Middleton married Prince William and our very own Charlene Wittstock married Prince Albert II of Monaco. Princess Charlene made sure not to leave SA out of her big night; the extravagant wedding cake was decorated with Proteas, our national flower. ■ The much anticipated Beyoncé pregnancy set tongues wagging and the topic trended for days from excited Beyoncé and Jay-Z fans on social networks.
Flower power
South Africa’s the only country to host an entire floral kingdom (fynbos) – one of only six such kingdoms in the world! Fynbos is an ancient vegetation type that was spared the massive wipeouts that occurred in the northern hemisphere during a prolonged ice age (which ended 100 000 years ago). Some of these plants date back 60 million years. Cape Town has many fynbos sites, including the slopes and top of Table Mountain, Cape Point, the Kirstenbosch National Botanical Gardens, and in the Silvermine Nature Reserve. Great picnic spots for the family. For more, see sanparks.org.za and www.sanbi.org.
Royal reply A feisty Bowen Pella-McDyre (9) of Leamington Spa
wrote to the Queen complaining that William and Kate’s wedding would clash with her grandfather’s birthday. Buckingham Palace told Bowen that Her Majesty was ‘interested to learn’ that Ray McDyre would turn 78 on April 29. Who can blame her when the mother of all events was on the same day as her grandfather’s special day?
SA’s finest
PHOTOGRAPHS SUPPLIED BY shutterstock
There’s no shortage of talent on local shores when it comes to fashion designers. Some of the hottest tickets on our runways are:
Thula Sindi Creating sophisticated, chic and elegant designs – which his BFF, actress Terry Pheto, often dons at red-carpet events. David Tlale The bold designer gained even more street cred last year when he showcased his creations in honour of Madiba on the Nelson Mandela Bridge during Johannesburg Fashion Week. Klûk CGDT The genius of Malcolm Klûk and Christiaan Gabriel du Toit knows no limits. The duo gained international acclaim when they impressed the audience at New York Fashion Week in 2011.
Star birthdays 4 December
Tyra Banks
DID YOU KNOW? The leggy model, TV presenter and businesswoman was the first ever African-American on the cover of the Victoria’s Secret lingerie catalogue.
29 December
Jude Law
DID YOU KNOW? This twice-nominated Oscar actor was named after The Beatles song Hey Jude. He learnt to play the saxophone for the 1999 movie The Talented Mr. Ripley (he was nominated for a Best Actor in a Supporting Role Oscar for this role).
5 January
Bradley Cooper
DID YOU KNOW? The star from The Hangover speaks fluent French and graduated from Georgetown University majoring in English. The stud also loves cooking up a storm.
29 January
Oprah Winfrey DID YOU KNOW? In 2003 Oprah became the first female US billionaire. Her website, Oprah.com has an average of over 70 million page views, over six million users monthly and she receives around 20 000 emails each week.
2012 Issue 12 • 15
DID YOU KNOW?
Riffel is a lover of vintage cars. His red Mercedes 280 from 1968 reminds him of how his uncle’s car used to smell inside.
16 • Issue 12 2012
REUBEN RIFFEL
g n i k o o C m r o t s a p u e Reuben Riffel, bl ita im in e th , ef ch ity Sout h African celebr s magical creations in hi r fo nd la e th er ov l al is known is ems to be no stopping th se e er th d an n, he tc ki e th rprising gour mand. down-to-eart h and ente BY RIEKIE HUMAN
PHOTOGRAPHS SUPPLIED BY GALLO IMAGES/getty images
G
rowing up in Groendal in Franschhoek, Reuben was always surrounded by hearty, home-made food, thanks to the feasts prepared by his grandmother, mom and aunts. What made their meals even more special was that almost everything was homegrown in the fertile valley where they lived. Years later, Reuben started working as a barman and a waiter (after a brief stint in the construction industry). But he didn’t stop there, and soon he started making his way into the kitchen, learning the ropes and finding out more about the basics of good cooking.
One thing lead to another and, after a while, Reuben was in charge of Sunday buffets and slowly but surely he discovered his passion for cooking. When his mentor at Chamonix (where he was working at the time), Richard Carstens, decided to move on, Reuben suddenly found himself at the centre of the restaurant’s kitchen – an opportunity he grabbed with both hands – and the rest is local history. He quickly became a household name, celebrated for his innovative and creative cooking, and his expertise took him to kitchens all over the country, from Ballito Bay to the V&A Waterfront. “I didn’t want to be just
another chef,” he says. “I wanted to be the best.” From receiving the coveted Chef of the Year and Restaurant of the Year awards, it’s clear that his winning combination of passion and talent has paid off. Naturally, the next step was to write his very own cookbook. So far, local bookshelves have been graced with two sensational reads from his pen – Reuben Cooks and the more recent Reuben Cooks Local. RCS Lifestyle caught up with Reuben to find out more about his life-long passion for good food, his two cookbooks and his favourite ingredients. 2012 Issue 12 • 17
RCS Lifestyle: What did you dream of becoming while you were growing up? Reuben Riffel: I wanted to become an architect or a journalist. What’s your fondest childhood food memory? Coming home from school on rainy winter days and being welcomed by my mom’s warm cinnamon boeber (it’s a traditional dish that’s similar to tapioca pudding – just creamier and spiced with cinnamon and cardamom). What’s your favourite comfort food? Roast chicken with pumpkin and roast potatoes. Are there any cooking courses you’d still like to do? I’ve had no formal training in cooking, and for that reason I try and teach myself on an ongoing basis. But even I would welcome a good breadmaking course, or a charcuterie 18 • Issue 12 2012
(prepared meats) course. Which kitchen tools can you simply not go without? My mortar and pestle, Thermomix blender, knives and my whisk. The top five ingredients in your pantry? Olive oil, Italian whole peeled tomatoes, good anchovies in oil, Willow Creek Cabernet Sauvignon vinegar and hot mustard.
Where have you had your most memorable meal to date? At the Fat Duck in London. It has great food and lots of surprises, and it offers a complete dining experience where the emphasis is not only on the food. Do you ever get food cravings? Yes! Mostly for peanut butter and jam sandwiches, but sometimes also for good chocolate. Lately, I’ve started craving Asian dishes like stir-fries and fried rice. What excites you about the future in terms of new food trends? It’s an ever-evolving industry and there’s a bigger interest in food than ever before. Restaurants are not the be all and end all when it comes to food, and the concept of sitting down for a three-course meal is getting a bit tired… So I’m excited to see what new styles of restaurants will pop up in
REUBEN RIFFEL
DID YOU KNOW?
the future, and of course I’d like to be part of that. He may be an award winning Do you think South Africans chef but Reuben Riffel’s not have started to appreciate too hard to impress. A peanut good, honest and fresh food butter and honey sandwich; especially dipped into some more in the past decade? rooibos tea gets his Most definitely. People are more thumbs up! health conscious than ever before, which is not surprising, as fresh, good food makes you feel better – not only physically but emotionally too. Have you ever had a disaster in the kitchen? It’s always a disaster when you burn yourself, but we also once had a gas leak that caught fire. Needless to say, as the boss of the kitchen, I was the only one left standing to solve the problem! How much time do you spend on your cooking classes – and what do you enjoy most about them? It’s great to meet the people and interact with them, and to find out how much they know about food and what they’d like to see more of in restaurants. I don’t do that many courses at the moment, but I plan to do more next year. Your most successful dish ever? Pork belly with chilli and ginger caramel. Who’s your favourite celebrity chef? Jamie Oliver – he’s totally nailed it. How do you manage to keep your sanity between the various elements of your business? I’m surrounded by really good people. I also try to maintain a solid balance in the way I work and live. How do you unwind after a busy day or week at work? I love listening to music, I play some golf and taking long drives into the country is a favourite pastime of mine.
“I’ve had no formal training in cooking, and for that reason I try and teach myself on an ongoing basis”
2012 Issue 12 • 19
REUBEN RIFFEL How does the support of your family contribute to your success? They make it all possible. They assist me in everything I do and they’re there for me when there’s a problem. All in all, they provide the balance in my life. My two-year-old daughter also keeps me going and doesn’t always allow me to do my work, which is great! Your favourite holiday spot? Paternoster on the West Coast, or anywhere where there’s lots of water. Water has a profoundly calming effect on me and truly lets me switch off. What’s your motto? Don’t be a passenger in life and never burn your bridges. Which persons, living or dead, have had the biggest and most positive impact on your life? My mother, my father and my wife. My parents have taught me the basic skills of life and to respect people, while my wife taught me to be assertive and to believe in my abilities. She keeps it all together. The Franschhoek culinary landscape packs quite a punch – who are your favourite chefs there?
“Family make it all possible. They assist me in everything I do” Margot Janse from Le Quartier Francais and Neil Jewel from Bread and Wine. And in Cape Town? Luke Dale-Roberts from The Test Kitchen and Hadeki at Nobu restaurant. They’re real perfectionists! What’s been the highlight of your career so far? That I’ve been able to do two cookbooks. In my wildest dreams I’d never have imagined that! 20 • Issue 12 2012
Reuben started his first Reuben’s restaurant in Franschhoek – which has been a highlight of his career so far. With two more branches – one in the lavish One&Only Cape Town Hotel and the other at the Robertson Small Hotel – it’s been a recipe for success, with local and overseas patrons flocking to his eateries to experience the sheer magic of his cooking. Meanwhile the accolades, and diners, keep rolling in. ■
For the chance to win a copy of Reuben Cooks Local, and for the recipe for Reuben’s mouthwatering Apple Slices Marinated in Calvados and Mint Sugar, please turn to page 45.
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how well do you know your celebs? We’re all aware of our IQ and even our EQ (emotional intelligence), but do you know how clued up you are when it comes to trivia? Do our Celeb Trivia Quiz and see how you fare. BY RIEKIE HUMAN 1 > How many children are currently in Brangelina’s brood? a) Two b) Six c) Who’s Brangelina? 2 > The Kardashians are: a) A reality-TV family living the high life b) A breed of poodle c) A chain of auto-repair shops 3 > Lady Gaga is best known for her: a) Soothing tunes b) Children’s books c) Outrageous outfits
22 • Issue 12 2012
Quiz
5 > The Black Eyed Peas’ Fergie is married to: a) Prince Andrew b) Josh Duhamel c) Ryan Gosling 6 > The 2015 Rugby World Cup will be held in: a) Australia b) England c) Japan 7 > David Hasselhoff’s most recent claim to fame is: a) As a lifeguard in Baywatch b) As the star of Knight Rider c) As a judge on America’s Got Talent
PHOTOGRAPHS SUPPLIED BY shutterstock
8 > The current Miss South Africa is: a) Melinda Bam b) Liezel van der Westhuizen c) Terry Pheto 9 > Sarah Palin is famous for her: a) Role in The Bold and the Beautiful b) Athletic prowess c) Politics 10 > How many season of Grey’s Anatomy have been made to date? a) Eight b) I only know one Gray’s Anatomy – the medical book c) Five
BONUS QUESTIONS Careful, these will give your age away! 1. What is Mr Bueller’s first name? (Clue: He took a day off). 2. In which movie did Patrick Swayze famously say, “Nobody puts Baby in a corner.” 3. To which blockbuster actor-director-producer has Rita Wilson been married to for decades? (Answers: 1. Ferris 2. Dirty Dancing 3. Tom Hanks)
4 > Master Chef Australia was won by: a) Adam Liaw b) Jamie Oliver c) Julia Child
HOW DID YOU SCORE? 1 a.1 2 a.3 3 a.2 4 a.3 5 a.0 6 a.0 7 a.1 8 a.3 9 a.1 10 a.3
b.3 b.0 b.0 b.0 b.3 b.3 b.2 b.0 b. 0 b.0
c.0 c.1 c.3 c.1 c.1 c.1 c.3 c.1 c.3 c.1
BETWEEN 0 – 10 > Hello? Come in, come in, it’s Planet Earth calling! Somehow, you’ve completely fallen off the radar when it comes to all things trivial, and your lack of general knowledge about movies, music and celebrities can only mean that you’re either so busy orchestrating world peace, or you’re working on some serious academic dissertation. Lighten up! There’s no shame in keeping up with the trivialities in life – if only to provide some mindless entertainment.
BETWEEN 11 – 20 > You probably know the difference between Christina Aguilera and Christina Storm, but when
it comes to recalling the past 10 years’ Oscar winners, your memory’s a bit faded. Not to worry, it only means that you are more concerned with the actors, celebs, movies and music that you like, so the rest is inevitably bumped to the back of your mind. And a good thing too, because it allows you to keep a balance between the light-hearted things in life and the really meaningful stuff. Keep it up!
BETWEEN 21 – 30 > Go on, admit it – you have first-hand experience of the following: doing celebrity photo crossword puzzles; getting into shouting matches with friends and insisting that you’re right about some insignificant detail about some celebrity’s life; and copying the latest ‘it’ hairstyle in Hollywood. Whoa! You’re in over your head and your obsession with Tinseltown is stopping you from having meaningful and authentic experiences. Here’s a tip: Start treating your friends in the real world like the stars that they are… ■
2012 Issue 12 • 23
health
Health
Did you know?
Drinking a glass or two of water can help to combat depression and fatigue, especially during the summer season. It helps flush out toxins and waste products from the body. If your body lacks water, your heart, for instance, needs to work harder to pump out the oxygenated blood to all cells, meaning you and your organs will be exhausted. So drink plenty of water this summer!
Cocoa love
A
study done among more than 33 000 Swedish women found that the more chocolate they ate, the lower their risk of stroke became. According to Dr Susanna Larsson of the Karolinska Institute, flavonoids found in chocolate can lower high blood pressure, improve endothelial and platelet (they help prevent coronary heart disease and other cardio-vascular malfunctions) function and improve insulin resistance. They can also suppress the oxidation of low-density lipoprotein cholesterol. But as with all good things, remember that moderation is key! (Source: www.health24.co.za)
What’s App?
If you’ve been ogling the latest crop of smartphones and tablets, here’s yet another reason to get your hands on one: a team at the Worcester Polytechnic Institute (in the US) has developed an application that measures your heart rate, heart rhythm, respiration rate and blood-oxygen saturation, using the built-in video cameras on tablets and smartphones. “This gives a patient the ability to carry an accurate physiological monitor anywhere, without additional hardware beyond what’s already included in many consumer mobile phones,” say the authors of the study.
Stomach in!
It can be pretty tricky to stay in shape during summer, with braais and celebrations being par for the course. But if you follow these easy guidelines, you can keep your waist slim and trim: ■ Limit your sugar intake. Sugar adds empty kilojoules and promotes weight gain. Rather use waist-friendly alternatives such as xylitol and stevia. ■ Do crunches at least three times a week to train your abs. ■ Drink plenty of water. It helps fill you up so you’ll eat less, and it aids digestion. ■ Walk or jog for 30 minutes three times per week – it’ll boost your metabolism in order to burn excess fat. (Source: flat-stomach-exercises.com) 24 • Issue 12 2012
Oil for one & one for oil!
PHOTOGRAPHS SUPPLIED BY shutterstock and gallo images/getty images
Here’s the lowdown on the best oils for your health: Pure vegetable oil Canola and sunflower oil have high smoke points, which allows for frying at higher temperatures without producing ‘off’ flavours. A popular choice for many, some vegetable oil health benefits include reducing the risk of cardiovascular disease and some forms of cancer. Olive oil Pure olive and extra-virgin oil are a popular choice for many types of dishes and cuisines. According to a study conducted at São Paulo State University, Brazil, published in the October 2010 issue of the Nutrition Journal, olive oil contains phenolic compounds – substances that have antioxidant, anti-inflammatory and anti-blood clotting properties, which may possibly increase the body’s metabolic rate. Seed oils Including sesame, pumpkin and coconut oil, these seed oils are packed with valuable natural microelements and nutrients, including vitamins, carotenoids, antioxidants, phytosterols, proteins and essential fatty acids. Use sesame oil for stir-frying, sauces or dressings; pumpkin seed oil in sauces and coconut oil for baking. Nut oils Examples here include walnut, hazelnut and almond oils. They are similar to extra virgin olive oil. They contain omega 3 fatty acids, which play an important role in the preservation of healthy heart and brain function and the normal growth and development of the body. (Source: livestrong.com)
Full of beans
Swopping white rice for beans can have a considerable impact on your overall health, and researchers at the Harvard School of Public Health recently discovered that it could lower your chances of pre-diabetes symptoms by a whopping 35 percent. This is because beans have a lower glycaemic index rating, which means their carbs are absorbed more gradually into your body.
Star power
Local swimming sensation Ryk Neethling says he believes in balance, which means that he eats a balanced diet of fats, protein and carbs. He also says that he tries to avoid eating after 7pm. For more health tips from Ryk, visit rykneethling.mobi and rykneethling.com
Tropical treasures Pineapples are some of the most versatile tropical fruits out there. You’ll find them as pizza toppings, in delicious summer drinks and cocktails and they’re also key ingredients in making mouthwatering snacks and dips. Just one thick slice of the juicy fruit gives you 100 percent of the vitamin C intake your body requires every day. In addition to being an antioxidant, vitamin C prevents recurrent ear infections, colds and flu. Pineapples also contain a special digestive enzyme called bromelain, found mostly in the stem and core of the fruit, which is very important for digestive health.
2012 Issue 12 • 25
For a free 100% Health assessment to get you started, visit Patrick Holford’s website on www.100health.com.
26 • Issue 12 2012
HEALTH
Your keys to super health Some people have all the luck, and jolly good genes to boot. Or do they? Here’s how you can enjoy the benefits of being healthy, whoever and wherever you are.
PHOTOGRAPHS BY shutterstock
S
o you may not have Claudia Schiffer’s enviable cheekbones, Heidi Klum’s picture-perfect legs or George Clooney’s perpetually smooth and unblemished complexion, but that doesn’t mean you can’t look and feel your very best. In fact, according to nutrition guru Patrick Holford, there are a few basic health principles shared by super-healthy people (as described in his book The 10 Secrets of 100% Healthy People), and if you’re on track with those, you too can enjoy perfect health. In a nutshell, these principles boil down to optimum nutrition, and Holford believes that there are a handful of critical nutrition-related factors that can tip the balance. But instead of targeting these factors with conventional medicine, he advocates a balanced diet as a new form of medicine. Holford also mentions five essential body processes: glycation (juggling blood sugar levels), methylation (where the body balances its chemicals), oxida-
BY RIEKIE HUMAN tion (our ability to deal with oxidants or free radicals), lipidation (how we use fats) and hydration (the amount of water we absorb). If these processes are balanced and humming along smoothly, good health is well within your reach. Here, RCS Lifestyle rounds up some experts to help explain Holford’s 10 secrets:
1
Great digestion
“The health of your digestive system is fundamentally important to ensure that you’re able to absorb all the nutrients you’re feeding your body. You may be eating healthy foods, but if you’re not breaking food down and absorbing it effectively, it could compromise your overall health,” says Vanessa Ross, a nutritional therapist and owner of Nutrition Medicine. To spruce up your digestive system, Holford suggests taking digestive enzymes, probiotics and one teaspoon of glutamine last thing at night in a glass of water – not indefinitely, but just to get back into balance. Furthermore,
Ross advises following these simple health habits: Ensure you chew food properly. Don’t drink liquid with food – it dilutes digestive enzymes. Avoid processed and foods high in animal and trans fats Eat three main meals per day, and snack between meals. Take digestive enzymes and probiotics if and when needed. Identify food intolerances which often contribute to digestive complaints. (Consult a nutritional therapist to set up a blood test or request a personalised exclusion diet). Consume sufficient water and fibre daily.
2
Well balanced
Most of us have experienced that awful feeling of ‘crashing’ when we’ve skipped a meal, and this just goes to show how important it is to balance your blood sugar levels. “You need to give your body a steady supply of energy throughout 2012 Issue 12 • 27
HEALTH
the day,” says Bronwen de Klerk of The Middle Weigh, a mindful eating program and fitness service. “If you eat high sugar foods (or foods with a high glycaemic index), your body gets an instant energy boost which is followed by an energy slump,” she says. “This will cause energy and emotional highs and lows throughout the day that will affect your productivity and your ability to focus.” It could also affect your weight, says Ross. In fact, she says blood sugar balancing is the key to weight loss. “Following a low-GI* diet is advisable. Remember that the slower a food releases glucose, the better it is for you.” * The Glycaemic Index (GI) measures how fast the sugar in food releases into your bloodstream. The principal sugar we burn is glucose, but too much of it in your blood stream will cause damage and store excess fuel as fat.
3
Get moving!
Holford is a big proponent of little bits of daily exercise, and De Klerk adds that the minimum exercise the average person should do is two strength workouts per week (which includes workouts such as weight training or Pilates) and at least one hour of cardiovascular exercise per week (such as running, walking or swimming). “You can break your cardiovascular exercise sessions down into smaller time units per day, such as 20 minutes three times a week,” she says.
4
Keep things level
Holford is synonymous with homocysteine levels – the naturally occurring amino acid found in the blood. He believes that unbalanced 28 • Issue 12 2012
“You can break your cardiovascular exercise sessions down into smaller time units per day, such as 20 minutes three times a week” levels cause clogged arteries, rather than cholesterol itself. “If your level is too high, it means you are not good at ‘methylation’, which is a critical process that the body and brain use to keep its biochemistry in balance,” he writes in his book The H Factor. “Raised homocysteine levels are very destructive as it acts like splinters of glass rushing through the blood stream causing the scarring, hardening and narrowing of blood vessels,” warns Ross. “It could speed up the ageing process and increase your risk of heart attack, stroke and blood clots, to name but a few negative side effects.” To maintain a healthy level, Holford suggests eating more beans and greens,
as well as lentils, and cutting back on coffee. Ross also advises supplementing with folic acid, vitamins B6 and B12.
5
Eat more good fats
Essential fatty acids (EFAs) cannot be made in the body and must be received from the diet. Yet, “fats are vital for optimum health, are needed for the production of hormones and have a special function in each and every one of the cells in our body,” says Ross. “They form the outer layer of cells, called phospholipids, and without this important layer, intracellular and extracellular fluid would mix and cause havoc in the body.” De Klerk adds that there are two
DID YOU KNOW?
The benefits of Omega 3 include better skin, joint mobility, heart protection, reduced cholesterol, hormonal support and even better academic performance.
main types of essential fatty acids: Omega 3 (found in fish like mackerel, sardines, pilchards and plants like flax seeds) and Omega 6 (oils found in plants like sunflower seeds). “Our Western diet often includes enough Omega 6 oils, but not enough Omega 3,” she says, highlighting the need to take Omega 3 supplements. The benefits are immense, and include better skin, joint mobility, heart protection, reduced cholesterol, hormonal support and even better academic performance, says Ross.
6
Quench your thirst
Keeping yourself properly hydrated isn’t just a saying, it’s crucial for your health as water is the most vital nutrient. “You constantly lose water through breathing, perspiration, urine and bowel movements, and this water needs to be replenished,” urges De Klerk, adding that our bodies are made up of an estimated 60-70 percent water. We need water to transport oxygen to our cells, remove waste, and protect our joints and organs, and it also helps us to deal with free radicals in our bodies. “Aim to drink two litres of water a day,” says Ross. This includes herbal teas or water flavoured with fresh mint leaves, ginger or lemon. Even 100 percent fruit juice, which is naturally high in fructose, a fruit sugar.
The best of the rest The remaining four secrets in Hol-
ford’s book focus on emotional and mental attitudes. They are: 1 Get connected Sharpen your mind, improve your mood and keep your body’s chemistry in tune. 2 Generate vital energy This refers to generating positive momentum daily. 3 Get your past out of your present Let go and learn from the past, but don’t let it dominate the here and now. A happier, lighter heart goes a long way towards ensuring a healthier body. 4 Find your purpose Become clear on the bigger picture – step back and take stock of your life. Essentially, these last four secrets are all about connecting with your
spirit and finding emotional stability. It involves addressing how you deal with sadness, anger and fear, and living a mindful life that respects both yourself and others.
Total freedom Great health is not only a possibility – it’s your right to enjoy it. And by streamlining your body’s basic functions, it is achievable. Optimum nutrition seems to be a big part of this, and the experts agree that it can be achieved by consuming a balanced diet filled with vitamins, minerals and essential fatty acids, in order to maintain consistent energy, mental clarity and emotional balance. ■ 2012 Issue 12 • 29
shopping
Shopping Great Gadgets For leisure, learning or capturing great moments, these gadgets* will do the trick in 2012. 1 Sony Handycam Video camera with a touch screen LCD display and a 4GB internal memory. Available at DionWired 2 Nintendo Wii Perfect for kids and parents, this classic console will keep everyone entertained for hours. Available at Look & Listen 3 Leappad This learning tablet for kids inspires youthful creativity and turns reading lessons into fun and games. Available at DionWired 4 Kindle The leading tablet in the e-reading game, Kindle has become a household name thanks to its ability to store thousands of books. Available at Look & Listen 5 Nintedo 3DS This handheld console boasts 3D graphics, without the need for special glasses. Available at DionWired. *Use your RCS Card at these retail partners.
30 • Issue 12 2012
Diamonds are forever
O
ne of these sparkly little stones is a surefire way to spruce up any outfit. This summer, key trends include brighter, bolder silvers and crystals in dazzling colours such as hot pink and royal blue to go with the season’s colour-blocking trend. Other jewellery twists that are bang on trend right now are floral-shaped watches, bracelets and rings; while bold stainless steel rings and necklaces, along with more subtle leather cuffs are just the ticket for men. Visit www.arthurkaplan.co.za/pl/7/Trends for more trends to watch.
Hat tricks
Upgrade your daytime look from ordinary to classic, to quirky or even sporty by donning these hot new trends in headwear: > Top flop Floppy, wide-brimmed hats are all the rage. Team them up with bright maxi dresses or denim shorts for instant bohemian appeal. Get your inspiration from stars that rock this look, such as Blake Lively, Rihanna and Vanessa Hudgens. > Fab fedoras Perfect for both guys and girls, edgy fedora and trilby hats are available in a variety of colours, fabrics and designs and they’re so versatile that you can wear your better half’s hats too. > Head scarves As one of this season’s fashion essentials, headscarves are not only chic, but are also ideal to add a dash of colour to any outfit.
Raise the steaks
A succulent marinade can tenderise everything from a T-Bone to a juicy ribeye steak, and it’s fun to mix and match ingredients to come up with your very own magic sauce. The top tenderising ingredients are lemon juice, lime juice, Italian dressing, yoghurt, wine, salsa and vinegar, while tenderising enzymes are also found in pineapple, honeydew melon, mango, papaya, fresh ginger, figs and kiwi fruit. Source: blog.thebutchershop.co.za
Sweet scoops
PHOTOGRAPHS SUPPLIED BY shutterstock and supplied
Icy summer treats will never lose their appeal, and these days the choice is more mouthwatering than ever! Ice-cream To be worthy of the name ice-cream, a frozen dessert must contain a minimum of 10 percent milk fat. More air makes for a lighter ice cream; less air makes it richer and creamier. Premium ice-creams have very little air and are a bit harder to scoop. Sorbet The key here is fresh fruit – with no milk, cream or eggs. Sorbets depend only on sugar, lemon juice and fresh fruit for flavour. A sorbetto, the more intense Italian version, generally has more fruit and less water, resulting in a softer, less icy texture. Gelato Similar to sorbet, gelato doesn’t contain much fat, and is in actual fact frozen fruit juice sludge – and a healthier option too! The recipes usually include more egg yolks, more milk and less cream. It actually has less fat than regular ice-cream, but its low overrun makes for an extremely dense, rich and creamy treat. Frozen yogHurt With a similar texture to ice-cream, this healthier option has a lower fat content and active bacterial cultures – research by Tufts University found that yoghurt produced a bacteria which resides in the intestine that may protect against cancer of the colon and breasts. Source: worldoficecream.com
The skinny on soaps With so many products promising to transform your skin, how do you choose the one that’s best for you? We’ve rounded up some soapy points worth pondering:
■ Normal soaps have high pH levels, which often causes skin irritations. Common ingredients in soap include sodium tallowate and sodium cocoate. Sodium tallowate cleanses and moisturises your skin, but may worsen or cause acne while sodium cocoate is a gentle surfactant and helps cleanse the skin. ■ Combination soaps are made from different types of cleansers designed to maximise cleaning while minimising irritation. ■ Herbal soaps are made from natural ingredients such as oatmeal and avocado extracts, and are best suited for dry skin because they help get rid of impurities in the skin, while nourishing it.
Testing, testing… 123
Want to be one of more than 11 000 South Africans who regularly test all kinds of products? Then head over to hometesterclub.com – a consumer network where members share their experiences on new grocery products in a live, interactive forum. Every month the Home Tester Club selects a group of lucky testers from its membership pool and sends each tester a box filled with brand-new products. Joining is free; simply register on the site.
2012 Issue 12 • 31
fashion
Style of the stars us in 2012 Feel fresh and fabulo ng, yet ultra with these easy-goi s. trendy fashion choice
02
01
epitomises class and style with her chic dress paired with a bright maroon clutch bag, finished off with red-hot lips and nails.
04
01 Gold clutch - R499 @ Guess 02 Earrings - R637 @ NWJ 03 Floral print dress - R119.95 @ Meltz 04 Belt - R49.95 @ Meltz 05 Shoes - R630 @ Green Cross.
05 32 • Issue 12 2012
PHOTOGRAPHS SUPPLIED BY GALLO IMAGES/GETTY IMAGES & JAMES GARAGHTY
03
Zoe Saldana
contempo fashion co-ordinator
Jacket R350 Waistcoat R199 Shirt R199 Pants R199 Handbag R380 Ring R45
*available while stocks last
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fashion
01a
01b
02
03
04
Ryan Gosling
looks crisp and clean in white pants and navy shirt, paired with two-colour brogues and a statement watch to add a splash of sparkle.
05
06
Get it now! Get these fabulous items
01a Sterling watch - R1099.80 @ NWJ 01b Sterling watch - R598 @ NWJ 02 Shades - R220 (polarized R320) @ Spec-Savers 03 Navy shirt - R69.95 @ Meltz 04 Belt - R69.95 @ Meltz 05 White linen pants R149.95 @ Meltz 06 Navy sneakers - R696 @ Green Cross.
34 • Issue 12 2012
– and more – by using your RCS Card at the stores of the RCS retail partners. With over 400 retail brands, offering you the ability to shop at 15 000 stores around South Africa – from fashion to furniture, automotive to the latest electronics, building supplies to books, it’s all yours with a single card. Turn to page 63 for more shopping details!
AIM FOR STYLE
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WITH ARROW
RCS presents
g n i m a e r DIY d ilding something, bu by off ar ye w ne Start your it yourself (with a do to r be em m re anything, just CS retail partners). R e th om fr nd ha g helpin 01
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Get it now! Get these DIY essentials – and more – by using your RCS Card at the stores of the RCS retail partners. With over 400 retail brands, offering you the ability to shop at 15 000 stores around South Africa – from fashion to furniture, automotive to the latest electronics, building supplies to books, it’s all yours with a single card. Turn to page 63 for more shopping details!
36 • Issue 12 2012
05
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04
06
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09
01 Champion paint brush (75mm pictured) – R31.95 @ Cashbuild 02 Mahogany Berlin 650 Cabinet & Basin combo – R2799.90 per set (excludes plumbing) @ CTM 03 Power tool combo (drill and grinder) – R329.99 @ Alert Steel 04 Alcolin silicone sealant (Clear, 300ml) – R31.95 @ Cashbuild 05 Alcolin Acrylic sealant (Brilliant White) – R22.95 @ Cashbuild 06 Alcolin silicone sealant (Black, 300ml) – R31.95 @ Cashbuild 07 Californian Gray Pine Laminate Flooring – R149.90 per m2 @ CTM 08 Corrugated Roof sheeting (.27) with 610 cover – R19.75 (various lengths) @ Alert Steel 09 Welder combo – R1499.95 @ Alert Steel (includes: Waic Inverter Welder and auto darkening welding helmet and 1kg of 2.5mm welding rods).
2012 Issue 12 • 37
Home
Home
Fix windowsills in a flash
You don’t have to call in a professional to replace a windowsill. Use this step-by-step DIY guide from Builders Warehouse: ■R emove the old windowsill with a hammer and chisel. ■ Use the old sill as a guide to cut the new sill. ■ Sand the new sill, rounding the edges and treat the sill and any exposed surfaces with timber preservative. ■ Slide the sill into position and secure it with galvanised nails as needed. ■ Sink the nail heads, and fill the holes with timber putty. ■ Finally, fill gaps with paintable exterior sealant and then prime and paint the sill. Visit Builders Warehouse at builders.co.za for more DIY tips.
Terrific toothpaste Your humble tube of toothpaste is yet another miracle in the home, and can be used for a slew of remedies, including: Eliminating stains Especially effective at zapping ink and lipstick smudges, toothpaste is also great for removing crayon smears from your walls. Simply rub toothpaste on the mark and wipe with a damp rag. Cleaning diamond rings Squeeze a little paste on a used toothbrush, wet the ring, scrub gently, rinse and your jewellery should be its sparkly self again! Remove watermarks from furniture Use some non-gel toothpaste on stained wooden furniture with a soft cloth. Relieving mosquito, flea, bee and ant bites Apply a small dollop to the bite and marvel at its cooling, soothing effect. Cleaning shower doors and rings around the bathtub Because it’s a powerful abrasive, toothpaste works like a charm to remove pesky stains and marks.
38 • Issue 12 2012
Jamming it up
Before you bin those leftover fruits, rather grab some glass bottles and make a batch of easy-peasy jam. For example, if you have some peaches lying around, try this recipe: Ingredients ■ 1kg cling peaches ■ 1 cup water ■ 6 cups sugar ■ 1 lemon juice
Method Peel, stone and slice peaches. Place peaches in a saucepan with water and bring to the boil slowly over a simmering heat. ● Cook peaches gently for 30 to 40 minutes, or until fruit is tender. Add sugar gradually, stirring until dissolved. ● Add lemon juice. ● Boil gently for about 30 minutes, skimming when necessary. ● Test by pouring a little on a cold saucer: if the mixture gels, remove pan from heat. ● Cool mixture slightly, then pour into sterilised jars. Seal tightly when cold. Source: food24.com ●
Green fingers
Snow white
We’re all familiar with its antiseptic and antifungal super powers, such as taking stains off coffee mugs, easing tummy aches and also eliminating horrid fridge odours. But did you know that baking powder can also be used as:
PHOTOGRAPHS SUPPLIED BY shutterstock
■ A DIY deodorant: Mix four tablespoons of baking soda with about 10 drops of your favourite essential oil for alcohol-free and dry underarms. ■ A homemade hair cleanser: Simply fill a glass with warm water and dissolve a tablespoon of baking soda into it. After wetting your hair, pour on the mixture and comb through thoroughly and rinse. ■ A skin saver: Dissolve a tablespoon into your bath for a soothing and skin-softening experience.
Did you know that banana skins are a great and easy from of fertilizer, especially because of their high potassium content? Banana peels are a natural source of the phosphorus and potassium found in expensive fertilizers; every time you enjoy a banana, toss the peel onto the ground around your shrubs, flowers, in your compost bin or in your garden as an extra fertilizer. Source: ehow.com
Give ants their marching orders Those infuriating little creatures know how to quickly assemble an army, especially if there’s some sugary treat lying around on your countertops. Keep them at bay with these poison-free methods: ■ Cinnamon, mint, red chilli powder and black pepper are great repellents, so sprinkle some on counters and cupboards. ■ Baby powder is another excellent ant repellent, so sprinkle it on and around doors. ■ Vinegar is another solution – mix
equal parts of vinegar and water and then sprinkle it on counters and other food storage and preparation areas. ■C reate a ring of petroleum jelly or chalk around windows and doors, ants will not cross the lines drawn. Source: wisegeek.com
Shopping up a storm The latest shopping figures from South Africa’s online market place bidorbuy.co.za reveal that online shopping is on the rise, particularly when it concerns furniture. In August 2011, local shoppers spent over R1.1 million on brand-new and antique furniture for their homes and gardens. The top sellers were beds, lounge suites, armchairs, sofas, dining room tables and chairs.
Bottled bliss
It’s the latest craze on supermarket shelves and a great product to stock up on during hot summer months. What’s more, 100 percent coconut water is totally guilt free, and contains less than 300kJ per 250ml! Coconut water also boasts some great health benefits such as treating dehydration, as it helps to rehydrate and replenish the five electrolytes in your body: potassium, calcium, sodium, phosphorous and magnesium. Other benefits are its anti-viral, -fungal, and -bacterial properties, while it promotes digestion to boot. Source: homeremediesweb.com
2012 Issue 12 • 39
This year a host of must-have wheels are heading to South Africa. We’ve rounded up the most coveted cars of 2012. BY Hailey Philander
38 • Issue 12 2011
Motoring
T
hanks to the major manufacturers’ latest offerings there’s no shortage of eye candy in the car stakes at the moment. Whether small city-sleek numbers or big station wagons are your cup of tea, there’s something for everyone in 2012.
Toyota Etios
PHOTOGRAPHS SUPPLIED BY quickpic
In the budget-friendly category, positioned slap-bang between the charming Aygo and the dapper new Yaris (launched November, 2011) in the Toyota stable, big things are expected from the new Etios line-up, which consists of a family hatchback and a sedan. Key features of the new Etios range include its spaciousness and its all-new 66kW 1.5L petrol engine. Designed and built in India (and aimed specifically at developing markets), Etios follows the route of the runaway success of Volkswagen’s Polo Vivo (and to a lesser extent, Ford’s Figo) by keeping the costs low – and as competitive as possible – through selling cars with hardy bodies, limited sound-proofing and durable interior finishes and seats. Given just how popular the now-discontinued Tazz was in this segment, we’re expecting big things from these little cars, which will be arriving in SA by June of this year. > Top feature: Great value for families on a tight budget.
Honda Civic Another Japanese mainstay expected to cause ripples this year is Honda’s new Civic range. The Dr Jekyll and Mr Hyde phenomenon – which Honda pulled off so successfully the last time
“Honda’s hardy build quality and endurance are legendary too, so this Civic will certainly appeal to everyone” round – continues, and boils down to end, as well as installing a rear screen Honda’s ability to infuse one car with with a better view, which explains the two different attitudes and personalimore polished styling and generous ties. Here how: The sedan’s window in the new model. appearance is more In line with current adult and more reEuropean and US envisponsible, while the ronmental standards, Aside from their automobile hatchback follows the new Civic doesn’t and motorcycle businesses, the edgy, athletic just look good, but is Honda also manufactures garden equipment, marine design philosophy also more efficient to engines, personal waterspearheaded by the run and more sensitive craft and power last Civic two-box towards the environment generators. (hatchback) which came with lower CO2 emissions out in 2006. all round. The development of this car hapHonda’s hardy build quality and pened rather democratically, and endurance are legendary too, so involved Honda asking current Civic this Civic will certainly appeal to drivers and dealers as well as the everyone from young families with media which features they considered boisterous kids to gung-ho lovers of to be essential. Those elements were speed. The sedan arrives early this subsequently prioritised in the new year and the hatchback in April. version. They included the suggestion > Top feature: A range of i-Vtec to feature a more sophisticated rear petrol and turbodiesel engines.
DID YOU KNOW?
2012 Issue 12 • 41
motoring
DID YOU KNOW?
In 2010, the BMW (which stands for Bavarian Motor Works) group produced 1 481 253 automobiles and 112 271 motorcycles across all its brands.
“The new 3 Series packs a lot more punch, while it’s almost 10cm longer and more spacious inside than previous incarnations” BMW 3 Series Sedan BMW remains an aspirational car for many, so the prospect of the new 3 series is reason enough for car lovers to rejoice. And they’re in good company, considering that BMW has managed to move more than 12 million units of ‘3s’ since 1975. The new 3 Series packs a lot more punch, while it’s almost 10cm longer
and more spacious inside than previous incarnations. It’s also a bit of an eco-warrior, with BMW claiming that the range’s average weight is down by an enviable 45kg, while the brand’s EfficientDynamics programme assists in keeping the overall fuel consumption down. Apparently, this 3 Series is also the sportiest one in its history, with features such as BMW’s signature 50/50 weight distribution, lightweight construction
and stiffer chassis. Available in SA from March this year, the new series brings an added bonus: The sedan will be manufactured at BMW SA’s Rosslyn plant north of Pretoria – one of only three BMW sites in the world. > Top feature: Driving Experience Control with Comfort, Sport, Sport+ settings and Eco modes to adjust various vehicle settings to different driving styles.
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42 • Issue 12 2012
2011/09/02 2:51 PM
motoring
Audi Q3
Worth a toast While 2011 was a great year all round when it comes to quality vehicles, one car stood out and truly impressed us with its unique offering: the VW Polo GTI. Our motoring expert, Hailey Philander, explains why… Volkswagen’s Polo was awarded a South African Car of the Year laurel for 2010, so it wasn’t unfamiliar to me. But the allencompassing fun-factor of the GTI version came as a total surprise, as did the ease at which it generated unruly wheelspin when pulling away from traffic lights or stop signs. Its total aggression when faced with matters as humdrum as traffic (the GTI is seemingly happy to create gaps, even where there are none) was quite endearing, too. And it really requires very little prodding to get it excited. Being the sportier model, the chassis is tuned for more vigorous exercises and the twincharged 1.4 TSI engine – with both super- and turbochargers in play – is a sheer delight. (It’s no surprise this particular TSI engine has regularly clinched international engine of the year awards). What’s more, a seven-speed DSG transmission is standard, so you needn’t even be bothered to shift the gears yourself! The final verdict? This quirky Polo truly has its buddies beat and I never tired of the gutsy growl emitted by its twin exhausts. Neither would you.
44 • Issue 12 2012
Those in the know have been keeping their eyes on this nifty number for quite some time. Especially since it’s the perfect premium SUV that’s not just compact, but also a bit more budget-friendly too. Consider this: When the Q7 is too big, or your budget’s too small for the Q5, the Q3 is not only attainable but pretty much like the Audi A3 on stilettos – just without the raised hatchback look. The Q3 borrows its bigger brothers’ most striking attributes – such as a braai grid-like grille and enough LEDs to illuminate a small town – and although its off-road use is a bit limited, its entertainment options are so extensive that it puts most luxury cars to shame. For example, options include a nifty satellite navigation system that piggybacks off Google as well as ‘mood lighting’ to
match its driver’s state of mind. Other features include a dual clutch S tronic transmission with a ‘coasting’ function – disengaging the clutch and allowing you to freewheel. Arriving in SA by June 2012, Audi’s glamorous baby SUV promises plenty of style and substance. > Top feature: An adjustable chassis control system, called Audi Drive Select. So there you have it. From budget buys with enviable features to luxury cars with added appeal, the new breed of cars hitting the market this year are worth a test drive at the very least. In fact, the class of 2012 promises to give consumers a whole lot of bang for their buck, and some serious street cred to boot. ■
MIDAS tip: wiper replacement ■ Warnings signs that your windscreen wipers need replacing include: Unwashed margins are a sign of deterioration of the wiper blade linkage or decreased wiper pressure, leaving parts of the windscreen unwashed. Thick bands of water left on the windscreen are the result of ageing wiper rubber. Noisy wipers are a sign that the wiper element is deformed, hardened or that the wiper blade structure is worn.
RECIPE
Easy apples! This yummy dessert by South African celebrity chef Reuben Riffel is just the ticket for lazy summer lunches. PHOTOGRAPHS: CRAIG FRASER
APPLE SLICES MARINATED IN CALVADOS AND MINT SUGAR (Serves 2)
INGREDIENTS ■ ¼ cup fresh mint leaves ■ ¼ cup castor sugar ■ 1 red apple, halved and sliced into 3mm slices ■ 1 green apple, halved and sliced into 3mm slices ■ 6 tablespoons Calvados
PREPARATION Put the mint and sugar in a food processor and blend together until the mint is very fine. Reserve some of the sugar to garnish, and sprinkle the rest over the apple. Drizzle the Calvados over the apple and allow to marinate for about 20 minutes, until the sugar is dissolved. To serve, decoratively share the apple slices between two serving plates and garnish with the reserved mint sugar.
WIN! Two lucky RCS Lifestyle readers can each win a copy of this inspiring cookbook. To enter, write to us at rcs@tenfourmedia.co.za or RCS Lifestyle, 8th Floor Tarquin House, 81 Loop Street, Cape Town, 8001. Simply title your letter or email ‘Reuben Cooks Local’.
This recipe is extracted from Reuben Cooks Local, published by Quivertree Publications (www.quivertreepublications.com). Filled with more than 230 inspiring dishes, the book takes readers on a journey with this celebrated cook, and also includes recipes from his much-touted Reuben’s restaurant at the One&Only Cape Town – such as his mouthwatering beef carpaccio with quail eggs, white onion and anchovy paste; as well as an unforgettable port-glazed springbok steak with celeriac and apple purée and fig salsa. Reuben Cooks Local is a celebration of fresh local produce – a topic he holds dear: “I’m passionate about local produce and always have been – it was never an academic or seriously considered decision for me. It’s the way that’s always made the most sense.” Readers can look forward to plenty of personal anecdotes from Reuben’s childhood, while the pages are also full of delightfully down-to-earth descriptions – such as the one explaining how tinned sweet corn was the inspiration for his sophisticated starter of seared miso scallops on creamy mielie purée.
2012 Issue 12 • 45
46 • Issue 12 2012
PARENTING
GROOMING YOUNG TALENT 2011 has been a good year for tween and teen stars. Young achievers are on the rise and it’s quite clear that talent keeps getting younger. You could be raising the next Pavarotti or Oprah, or even a young explorer in the mould of Bear Grylls. The sooner you spot the talent, the better. By Kolosa Vuso
PHOTOGRAPHS SUPplied BY shutterstock
E
very child has his or her own tastes, abilities, preferences and style. Some children may be good with numbers while others prefer drawing, singing, or dancing; others may value quiet time while some love excitement. “Discovering a child’s biggest strength is one of the most important things a parent can do,” says clinical psychologist Sumayyah Khan. “To build healthy self-esteem, all children need to feel that they can do at least one thing very well. Many times, however, a child’s special talent is overlooked because it’s not an area that is recognised at tradi-
tional institutions,” says Khan. She adds that parents should work with children at home to discover their interests, and expose them to the many opportunities and experiences out there. Educational psychologist Nefeli Sfetsios says even though you have picked up on a child’s special interest, it is still important to hear from them specifically what they are interested in. “It’s essential to note whose interest or talent it is. Find out what your child is interested in, enjoys and if they would like to participate more in that particular activity. Remember that it can be problematic to force a
child into something, or expect them to live out your (the parent’s) unlived dreams,” adds Sfetsios. Once your child has shown that the interest is indeed theirs, then a parent must encourage and nurture that specific interest - be it extra ballet, drama or soccer lessons. Sfetsios warns against overstimulation and finding that tricky balance between too much or too little parent involvement. “Be wary against over-stimulating your child. You should be able to read their cues about how tired they are and if they just want more play time with their friends. This is an important and necessary devel2012 Issue 12 • 47
PARENTING
opmental area as it allows things to be worked through at an emotional level,” adds Sfetsios. Effortless encouragement It’s also very important to always encourage various activities as a form of enjoyment and not as a chore. Children have short attention spans and lose interest in activities quickly. Sfetsios says children often want to be involved in many activities because their friends are doing the same, or because they pick up on their parent’s expectations. “It’s important for parents to guide their children in choosing what they want to participate in and take part in. Take your child’s lead – listen to them. If they aren’t interested, don’t force them, but also show interest, make the time and effort to watch and support them even if you’re not as interested as they are,” Sfetsios says. Although it’s great to encourage your children to live out their dreams, both Sfetsios and Khan stress the importance of commitment from your children, so they are not always jumping from one interest to another as a result of indecisiveness. “As your child reaches 12-years and older there should be boundaries. If a child commits to a sports team, they should stay committed for the entire season. If they have started learning an instrument, they should continue until the lessons are completed,” says Khan. This also teaches children a sense of responsibility, and sometimes by staying committed they might find that after they get over an initial hurdle, they actually start to enjoy a particular pastime. “It takes time to 48 • Issue 12 2012
“If they have started learning an instrument, they should continue until the lessons are completed” figure out what we enjoy and what we are good at, so allow your child to explore and figure it out for themselves… with your encouragement,” Khan says. Observe and report By paying attention to your child’s habits you’ll start to learn what interests them. Here are some tips from the experts: Observe what they collect, what they like to do or study and also what they like to talk about. Try to notice the positive side of your child’s abilities. For example, an ‘argumentative’ child may be very
logical. A ‘lazy’ child could just be very methodical or patient. Talk, play and encourage conversations with them. Talk about current events, about what happened during the day and what they did. Read to them, play games, and do puzzles together. Find a mentor in your family or community who can help your children develop their talents and serve as a role model. Help your child with homework. Work with teachers and school counselors to gain a better understanding of your child’s learning style, strengths, and weaknesses. Khan says
PARENTING
Rules of encouragement
So how do you encourage your child’s passion? Here are some suggestions:
1 Attending concerts, sporting events, art fairs, and visiting museums is a good way to introduce your child to a range of pursuits. 2 Provide materials that relate to a subject your child is passionate about. “Not all gifts have to be pricey,” adds Khan. “Paints and paper for a budding artist, a racket for a tennis nut, or books on any topic that interests your child can all help further their exploration.” 3 Encourage questions. “Kids, by nature, are curious. And while it can be tiring to answer their many questions, it’s important to their development. If you don’t know the answer to a question like the classic, ‘Why is the sky blue?’ take the time to find out with your child’s help,” Khan encourages. 4 Don’t push too hard. You should take your child’s interests seriously and try to nurture talents, but don’t take the fun out of the activity by putting pressure on him or her. Be sure to give your child enough free time to explore a current interest and future ones that may develop. your child’s passion is usually determined by their personality; so your young animal lover could perhaps be a future veterinarian, and that feisty Beyoncé impersonator could be the next big singing sensation. “Whether your child’s interest becomes a career or remains a much-loved hobby, having something he or she is passionate about is a valuable gift,” says Khan. Rising Star A young South African schoolboy 50 • Issue 12 2012
“A child’s passion is usually determined by their personality; so your young animal lover could perhaps be a future veterinarian” provides perfect inspiration for all would-be achievers. He’s shown what a child can do when encouraged by their parents to follow through on a hobby. Luke Taylor (14), a Grade Nine learner at the German International School of Cape Town, recently fought off fierce competition from over 7500 entrants from more than 90 countries for a spot in the top 15 finalists of the Google Science Fair in California this year. To reach the semifinals of the competition, Luke took on a project to help robots understand commands written in natural human language, titled Programming in Pure English. In simple terms, Luke wants humans to be able to talk to robots using the English language and get them to follow these instructions without the need for humans to learn complex programming languages. The competition targeted students from the ages of 13-18 all over the world. Students were invited to submit
their science projects as a Google Site to compete for internships, scholarships and other prizes. Luke describes himself as a ‘robotics junkie’ who is passionate about computer science and artificial intelligence, and always ready for a challenge. “All I have learned about robots and computer science is self-taught, finding facts and explanations wherever I can and acquiring true understanding through practical application and in many instances trial and error.” His advice for other kids is to read as much as they can and look for support programmes for their specific hobbies. So there you have it, parents. Your child could be anything from the next David Beckham to a world-renowned robotics whizz-kid. All you have to do is nurture and encourage those special hidden talents that can sometimes go unspotted in the hurly-burly of everyday life. ■
RCS Q&A
Credit Buzz If you have any legal questions or problems that you need answered, contact Credit Buzz.
Q A
I recently heard of something called the ‘In Duplum Rule’. What is it, and how does it work?
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 52 • Issue 12 2012
Photograph by shutterstock
The In Duplum Rule is a legal remedy, developed through our courts, that limits how much interest can be added to an overdue debt. This principle has now been incorporated into the National Credit Act that deals with credit agreements. The Act, however, extends the rule by giving additional protection to credit receivers. Therefore, it is incorrect to refer to the remedy in the Act as the In Duplum Rule. Section 103(5) of the Act says that if a consumer’s credit account is in default, the interest, fees and charges that are added to that account during the time of default cannot exceed the unpaid balance of the principal debt as at the time that the default occurs. For example: Mr Smith has financial difficulties and stops making repayments on his account when he still has R2000 of the R5000 loan amount to pay back. While he is in default, the interest and fees that accumulates to his account can never be more than R2000. In this way, the credit receiver is protected from a ballooning credit account that he/she may never be able to pay off. ■
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SMS your details to 35053 and we’ll respond: ID Number*Initial*Surname*Salary*MAG (for example: 7013320212090*J*Bloggs*5000*MAG)
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Terms and conditions apply. SMS cost R3. By sending this SMS you give us permission to submit your information to the Credit Bureau. RCS is a registered Credit and Financial Services Provider NCRCP 38 & 39 / FSP 38911
“There’s a distinct difference between financing a second-hand car and a new car, especially when it comes to buying a car from a private individual and not an approved dealership” 54 • Issue 12 2011
FINANCE
The perfect package PHOTOGRAPHS SUPPLIED BY GALLO IMAGES/getty images and shutterstock
There are few things as exhilarating as zooting off in a brand-new set of wheels, and more often than not, a car finance plan makes it possible. But before you sign on the dotted line, brush up on the ins and outs of vehicle finance packages. BY RIEKIE HUMAN
T
he basics of deciding on how to finance a car can seem pretty daunting, but broken down into the nuts and bolts, you’ll soon be able to see what your best option is.
The mainframe According to Julian Brookstone, a Financial Advisor at Venn-Sure Consulting (PTY) Ltd (a registered Financial Services Provider), installment-sale agreements and lease-sale agreements are the two most common forms of financing a vehicle if it can’t be paid for in cash. “An installment-sale agreement allows the buyer to purchase a car and pay for it with an initial deposit, followed by monthly installments
for an agreed period of time while interest is charged on the amount outstanding,” he says. “Once the final payment’s been made, ownership is transferred to the buyer.” On the other hand, Brookstone says, lease-sale agreement is where an individual pays a lower monthly amount for the right to use the car, but ownership is not acquired at the end of the agreed period, unless a substantial lump sum is paid. “The main advantage here is that lease payments can be tax deductible – so this type of contract is spot on for those who are self-employed,” says Jason Garner, a financial planning coach. However, Garner also points out that often, the lease option will have fairly
rigorous limitations on the use of the vehicle and the amount of kilometres travelled in a year. “You could be penalised if you go over your annual limit, and the same applies if you exceed the set number of kilometres allocated to you over the duration of the lease.”
Future perfect But there’s more to vehicle financing than just the main agreement type and when it comes to the ideal payment structure, Brookstone says, “A contract of between six and 60 months is the norm due to the fact that people like to upgrade their vehicles every few years. Longer contracts would also mean that more interest has to be paid over the lifetime of the contract.” 2012 Issue 12 • 55
FINANCE
Pros and cons Brookstone explains the pros and cons of installment and lease agreements as follows: Installment-sale agreements Pros: The vehicle is owned at the end of the payment period and there are no usage limits. Cons: An initial deposit is required and interest ultimately adds a great chunk to the total price of the vehicle over time. Also, maintenance costs are the responsibility of the buyer. Lease-sale agreements Pros: It allows a cheaper alternative if you don’t require ownership at the end of the contract. It’s also great if you plan on upgrading your vehicle regularly and don’t want to worry about high maintenance costs. Cons: Mileage or time limits to the lease will prove costly if they are breached, and a large lump sum may be required if you want to secure ownership at the end of the agreement.
Garner also points out that elements like round term, interest rates, balloon payments and deposits all affect the nature of your package. He suggests you consider: > Loan term “Most cars are purchased between 54 and 72 months. This means the term of the loan can carry on for up to six years and you can choose any period less than that to finance the car over. The shorter the term of the loan, the higher your monthly repayments of course, but your overall interest will be a lot less over the full term.” > Interest rate “This usually depends on a number of factors such as your credit history and loan term, whether 56 • Issue 12 2012
or not you’re paying a deposit, and whether you’re opting for balloon payments.” > Balloon payments “Commonplace in vehicle finance today, balloon payments or residual refers to an agreed percentage of the capital of the loan that will not be paid back by you during the loan term, but rather as a lump sum at the end of the loan term. This means that if you have a 30 percent residual on a R100 000 car, with an instalment sale over five years, you’ll need to pay the bank R30 000 at the end of the five-year loan term. It can be a very dangerous tool and while it may help with your cash-flow during the loan term,
you’ll be left with a fairly large problem in the end.” > Monthly instalments “Most finance options require you to repay the loan on a month-to-month basis. Still, some banks may agree to accommodate quarterly, bi-annual or yearly payments, but this usually leads to different terms regarding interest rates and the deposit.” In terms of deposits, Garner says that although they’re not always a requirement for finance to be approved, “Most banks will reward you with a better interest rate if you have one. In most instances though, a 10 percent deposit is required.” Brookstone agrees and
adds that it’s best to pay off a large portion of the vehicle upfront, “Helping to reduce the amount of interest that has to be paid over the term of the agreement.”
Second-hand plan Some banks have specific rules around financing second-hand vehicles. What this usually means is that if a car is older than a certain age, the maximum loan term will be lowered from 72 months to 48 months. Banks could also then require a bigger deposit and not accommodate a balloon payment, and there’s a good chance you’ll also have to pay greater interest on the loan, says Garner, due to the extra risk the bank takes when financing and older car. Apart from that, there’s a distinct difference between financing a secondhand car and a new car, especially when it comes to buying a car from a private individual and not an approved dealership. “This is why some banks don’t finance cars that are older than a certain number of years,” says Brookstone. “Once a car gets older, it becomes increasingly less reliable and there’s a concern that the buyer will rather give up the vehicle than pay back the loan.” So, the age of the car may affect the finance and options you have available to finance the car with. Also, when dealing with a private sale, the onus is on you to get all the correct documentation, and registrations will fall directly on your shoulders. “While this means you generally don’t pay those hefty admin fees that dealerships charge, the drawback is that the
process of transferring ownership, registering and getting payments from the bank is often very time consuming,” advises Garner.
The skinny on service plans A service plan is a benefit that comes with new vehicles. It covers the cost of servicing for a certain amount of years or up until a certain mileage limit. Brookstone points out that service plans allow buyers peace of mind, knowing that any servicing costs over the period will be covered. “These costs can be high and unexpected, and thus difficult to budget for. The downside is that the cost of the service plan is worked into the purchase price of the car,” he says. What’s more, adds Garner, “These plans tend to expire in the earlier years of ownership, leaving the really big costs for you to cover when things go wrong when the car gets older.” However, service plans can usually be extended to any term and amount of kilometres, although the greater the maintenance and warranty extension, the more costly it becomes. These packages are usually provided by dealers and banks are generally comfortable to finance extended maintenance plans over the term of the loan, which in turn increases your monthly payments. But according to Garner, it’s well worth considering to rather opt for your own service/maintenance savings plan, so that when the warranties and service plans run out, you’ve made provision for services and maintenance.
Top tips for seamless vehicle financing > For an in-depth look at the various costs, fees and features relating to car financing, head over to www.bankmonitor. co.za. The site even boasts comparison calculators. > When working out your monthly payments, keep in mind that any vehicle that’s being financed must be comprehensively insured. (Also remember that one non-payment of an insurance premium can result in the policy lapsing). > “For an installment-sale agreement, it really helps to pay it off as quickly as possible,” says Brookstone. “Interest is only charged on the value of the vehicle that is still outstanding. The sooner the buyer can pay it off, the less they pay in total.” > If possible, insist that the car you’re buying comes with a warranty. Reputable and authorised dealers usually back up their sale by offering a warranty of some kind. > If you’re a first-time buyer, remember that you’ll also need an annual vehicle license. Whether the car of your dreams is brand-new or second-hand, and whether you can afford the latest model or a sturdy hand-me-down, it pays to carefully consider your financing plan to ensure that you pay as little interest as possible. After all, that way you’ll be able to fill up your trusty wheels more often, and get to drive around this beautiful country of ours more frequently. ■ 2012 Issue 12 • 57
Your Career
Who’s the boss? Landing that much anticipated job might be thrilling; but before you sign a binding contract, have you done enough research on your potential employer?
B
eing unemployed or seeking a change of career paths can become a stressful and desperate experience. You are almost willing to grab anything that comes up, right? But it’s time to get savvy, and to do your bit in investigating your potential employer to find out how business is going. With some research, you might be saving yourself from unnecessary hassles down the line, while at the same time, arming yourself with vital knowledge before your next job interview.
Get digging This may not necessarily be your career path but being nosy and doing your own private research could save 58 • Issue 12 2012
you a lot of regret. “Check out your potential employer’s website, company brochures, articles or annual publications; or go onsite to inspect their premises and get a sense of the environment,” says Anna Marty, managing director of Careers by Design. “You want to
ensure they are a stable company with strong values and a good reputation, that they treat their employees well and that they offer positive career growth and management opportunities,” she adds. Be objective and don’t believe everything that a human resources administrator has to say. Tamara Wolpert and Viv Gordon of Viv Gordon Placements add, “Have your questions ready for your interview and make sure all the answers sound legitimate. Don’t only rely on what HR tells you. Have a look at their website and ask industry-relevant people about the company and what they are like to work for and how they treat their employees.”
PHOTOGRAPHS SUPPLIED BY shutterstock and gallo images/getty images
By Kolosa Vuso
2012 Issue 12 • 59
your career
Money talks When viewing contracts, you can sometimes get stumped by legal terms such as ‘cost to company’. It’s best to familiarise yourself with common terms of employment, as they affect your take-home pay and all-round work experience. “Should you get offered a job after a successful interview, request a signed letter of appointment as well as a salary breakdown,” suggests Gordon. “Cost to company is the total cost of what the employee ‘costs the company’. It is usually made up of your Basic Cash Component; any contribution that the company makes towards medical aid, pension or provident fund on your behalf. When all of this is added up, this makes up your Cost to Company. All deductions, such as PAYE, SDL (Skills Development Levy), UIF (Unemployment Fund) and so on will be deducted from this salary figure,” says Gordon. “It is very important to ask for a ‘dummy payslip’ or salary deduction breakdown from the Hiring Manager or Human Resources before accepting an offer of employment. This will help ensure you understand how you salary will be divided up and where all your money is going to be allocated – and most importantly what your final take-home salary will be. You are fully within your rights to request this information before accepting an employment offer,” says Anna Marty.
Time out When it comes to sick leave, maternity leave and other such legalities companies have their own procedures but they should be in line with the Basic Employment Act of the South 60 • Issue 12 2012
“Legally, as a full time, permanently employed employee you are entitled to 10 days paid sick leave per annum and three days family responsibility leave per annum, plus four months maternity leave (unpaid)” African Labour Law. “Legally, as a full time, permanently employed employee you are entitled to 15 days paid leave per annum, 10 days paid sick leave per annum and three
days family responsibility leave per annum, plus four months maternity leave (unpaid),” says Martyn. Overtime arrangements and expectations will depend on which
industry you are in and, of course, the company’s own procedures. If you are working in a large corporate environment there will be specific regulations regarding overtime payment and expectations. It should be stipulated in your letter of appointment and you should ask about these terms in the interview. “In the advertising, public relations, and publishing world for example, it is usually expected of you to work longer hours due to the deadline-driven nature of the business. There is no overtime paid for this and it is usually pointed out to the prospective employee right up front,” advise Wolpert and Gordon.
we all want to find out whether growth opportunities exist within a particular company. In this age of technology and accessible information, it shouldn’t be too hard to find information about your potential employer. Marty suggests you perform an online search on the relevant company and find out who forms part of their executive board and research those individuals to ascertain their level of expertise and competence. If they do not have an on-line presence – which is the case for many South African companies – you may need to rely on manual research and verbal interviews.
Heading up or going down?
Last rounds
We are all looking to set out and further our careers – therefore
If you have done all the necessary research, asked the right questions and you are impressed with your
company’s credentials; there’s one last thing to do before signing on that dotted line: read all documents carefully before signing, even if you have to read them two or three times. Lastly, listen to your gut, too. If something doesn’t feel right, rather pass and wait for a better opportunity to present itself. Show your potential employer who’s boss and know all your rights by visiting labour.gov.za for information on the Basic Conditions of Employment. Talking to career experts will also make a lot of potentially confusing things clearer. Visit careersbydesign.co.za and vgp.co.za for sound career advice. ■ 2012 Issue 12 • 61
RCS PUZZLES
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Sudoku number 12
difficulty rating: Sudoku instructions: All you have to do is make sure that each line across and each line down contains the numbers one to nine, with no repetitions of numbers within a line. You’ll also see that the numbers one to nine will feature only once in each nine-block square. The numbers that are already filled in will help you determine where the missing numbers belong.
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62 • Issue 12 2012
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BACKCHAT
Carry on Camping? No way
C
hristmas is a time of year renowned for the spirit of giving, sharing and caring. It’s also a time when most of us take the opportunity to unwind with family and friends, or even enjoy some time away. For a few years over the December holidays I ventured up the coast to get away from the city, and to spend some time with friends in a campsite, on the peaceful shore of a lagoon. For six or seven years I made my way to the campsite. Until the heavens opened one Christmas Day and put a dampener on my camping ambitions forever. On Christmas Eve we’d gone to bed with the stars shining brightly, with no hint of the downpour to come. Naturally, sleeping in a tent on a warm summer’s evening, I’d gone to sleep with the waterproof flaps up, allowing what little wind there was to cool the tent’s interior. And also allowing approximately 100 litres of water to gush in overnight. When I woke in the morning my slipslops were floating around the tent like shipwrecked flotsam. Thinking my friends had played a cruel joke, I stepped outside only to see that the lagoon’s water levels had risen considerably. Boats that were previously stranded
64 • Issue 12 2012
on the shore were now bobbing angrily in the middle of a raging sea. Frisbees, beach bats and other holiday items, left overnight on the dry sand of the lagoon beach, were no more, washed out to sea or floating downstream to other areas of the camp. Christmas plans in the campsite were dashed, too. Cheery gatherings of groups, normally braaiing Christmas meals together, were kept indoors, where the humidity of the larger caravan tents only served to increase the moisture levels. Children wailed as Christmas presents, placed carefully under trees in tents the night before, were whisked away before opening for a brisk re-wrapping, or perhaps even a quick blow dry with the nearest hairdryer. Needless to say, Christmas
crackers all around the campsite could be heard fizzling out feebly instead of popping excitedly. This was no white Christmas, but it was certainly a wet Christmas; the dampest I’d ever endured. Sitting in a larger tent wringing out our wet clothes and soaked sleeping bags we decided to wait the rain out before making any hasty evacuation decisions. For four days we attempted to entertain ourselves in and around the town where the campsite was positioned. But the rain was relentless. We went to bed wet, woke up wet, ate our cereal wet and even, desperately, tried to get a braai going as the pounding rain yielded to a sort of thick mist for an hour or two of one day, before pouring from the heavens like a full-powered shower faucet once more. Eventually, after five days of soggy shorts, socks and sausages, we could take it no more. Our sodden tents were flopped into the back of the bakkie, our drenched festive cheer hit the highway and we zoomed towards the bluest sky we could see. I learnt my lesson. Now I make sure my holiday accommodation has four walls, a solid roof and a limitless supply of fluffy white towels to keep me dry. As for camping again? I’ll take a rain check on that one. ■
ILLUSTRATION BY ROB FOOTE
When camping combines with unseasonal wet weather, you better have a back up plan, says David Moseley.
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