The SA issue 57 by The South African Magazine

The

Issue number 057

June / July 2017

South African

CONNECTING SOUTH AFRICA AND NEW ZEALAND

Jazz on Waiheke Page 9

Writing a Will Page 13

Free

From the editor Hello all,

he budget is out and I think everyone has benefitted from this wellbalanced financial package. It’s funny that Labour and the liberals

are criticising it by saying it was poor and had no vision, but when asked what they would do differently they had no answers, including Winston Peters. Once again, the left do not have any solutions. Andrew Little says the proposed number of houses that National will build, at 34,000 over the next 10 years, is far too few but they, Labour, will build 100,000. The question is how, when they want to cut immigration numbers to 25,000 from the current 71,000. Who will build the houses, the roads and all the other infrastructures? We need experienced and highly-skilled people and, at this stage, we do not have enough locals to do this and desperately need more immigrants to close the gap. The biggest argument to the current budget is why low income earners and beneficiaries will receive less in their pockets due to tax cuts and government assistance, than middle class Kiwis who will receive bigger tax reductions. Of course, that’s how the tax system works if you pay tax. When there are deductions the people who pay the most get the biggest refund. See the Tax story on page 10. Nobody wants Kiwis sleeping in cars and we, as a nation, want all our citizens looked after and in their own homes. See my article on beneficiary housing suggestions on page 14. There are a lot of things that National could be doing but everything costs. If our economy continues to grow hopefully, money can be spent on training apprentices and reducing company tax and, in doing so, business will be able to employ more staff. Governments do not create jobs, private businesses do. Governments need to create an environment that enhance and encourage business growth.

The

South African PUBLISHER & EDITOR Peter Woodberg e-mail : jepwood@xtra.co.nz; mob: 0274 520 794 ADVERTISING CO-ORDINATOR Sherelee Clarke e-mail: sherelee.samagazine@gmail.com; ph 021 0290 6460 DESIGN Dennis Hawnt e-mail: dennis@wrk.co.nz; ph 09 428 0820 PRINTERS MHP Group – Kevin Cliffe e-mail: kevin@mhpgroup.co.nz; ph 09 373 3921 ADDRESS The South African, P.O.Box 300 155, Albany, AUCKLAND 0752 17 Corinthian Drive, Albany, AUCKLAND, 0630 JOIN US ON FACEBOOK! THE SOUTH AFRICAN MAGAZINE http://www.facebook.com/groups/401361333247671 CLUBS & ASSOCIATIONS Website by immigrants for immigrants – www.sagoingtonz.co.nz The New Zealand Southern African Business Council Chairman Peter Woodberg 0274 520 794 jepwood@xtra.co.nz - Vice Chairman Neil Clarke 021 609 247 neil@hwp.co.nz. Die Afrikaanse Klub – Philip Langenhoven e-mail: die.afrikaanse.klub@clear.net.nz Christchurch contact: Linda Klok: e-mail: info@sinzasa.org.nz THE SOUTH AFRICAN HIGH COMMISSION, WELLINGTON Tel: 04 815 8484 Level 7, State Insurance Tower, 1 Willis Street, Wellington. e-mail: consular@sahcwellington.co.nz COVER White Island: Krzysztof Belczynski, Flickr.com ISSN 2230-4673 ISSN 2324-5999

Another great magazine! Well done to my team. And thank you to all our loyal advertisers. I hope your businesses flourish. Happy reading! Peter Woodberg The South African Magazine, SA Going to NZ Mobile: 0274 520 794, email: jepwood@xtra.co.nz

MISSION STATEMENT “The South African Magazine shall provide current, high quality, relevant editorial on subjects relating to the links between South Africa and New Zealand. It shall be the vehicle for SA immigrants living in NZ to integrate socially with their own community and to advertise their products and services.”

South Africans Going To New Zealand

Advice and Support for South Africans Immigrating to New Zealand

                                                                                Clarke: sherelee.samagazine@gmail.com       Sherelee       2

www.sagoingtonz.co.nz The South African

LEGAL UPDATE: EMPLOYMENT LAW

Confidential information: beware employees! There may be a cost to breaching terms of employment Eska Hartdegen, our in-house employment lawyer, discusses obligations employees have to employers under the law and the consequences for breach

onfidentiality, fidelity, good faith and honesty are implied terms of employment. An employee is subject to these implied terms, signed contract or not, and they impose an obligation on employees at all times to act in the interests of the employer. They also preclude employees from using business opportunities Eska Hartdegen that arise during employment to their personal advantage. Using confidential information gained in an employment context without authorisation will result in a breach of confidentiality and can lead to an ex-employee being sued. Examples of confidential information include customer lists, budget forecasts, detailed accountancy information, knowledge of customer requirements, pricing policies and proposed advertising campaigns. In Thomas Marshall Exports Ltd v Guinle, the Court held that for information to qualify as being “confidential” the owner must: believe that release of the information “would be injurious to him and of advantage to his rivals or others”, that “the information is confidential and secret and not already in the public domain”, that “the owner’s belief under the two previous heads must be reasonable” and lastly that the information was to be judged “in light of the usage and practices of the particular industry or trade concerned”. In the case of Peninsular Real Estate Ltd v Harris, two real estate agents commenced employment with a rival company. They took away with them work-related diaries and client contact books. The High Court granted an interim injunction restraining them from contacting any person named in the records they had taken away.

whether the employee in their role habitually handled confidential material or information, the nature of the information itself and whether it required the same level of protection as a trade secret, whether the confidentiality of the information was impressed on the employee, and whether the information can easily be isolated from other information. Here the employee was a senior manager. His employment contract provided no express restraint of trade or non-competition clauses. He subsequently set up in competition and sought to employ some of Korbonds’s employees. His new employer had approached and offered employment to some of Korbond’s employees, one had been employed and it was alleged that contracts with its clients had been terminated, with the defendant to carry out that work. Further allegations related to breach of an implied term and having disclosed confidential information and having wrongly used it. This included use of clients’ identities and contact organisations, identity of employees, their remuneration, Korbond’s profit margins and other financial matters. Chief Judge Colgan held that no distinction should be drawn between information that was written down, memorised or recalled. Rather the crucial matter was “the exploitation of particular and specific information concerning transactions – and especially on-going transactions – between the former employer and his customers.” Although a senior employee, Jenkins was not a director or decision maker. An arguable case had not been made out that there had been unlawful inducement of breaches of contracts with the plaintiff’s customers. There was however an arguable case that employees had been approached and persuaded to work for the defendant. In order to protect existing contracts of employment, an interim injunction was issued which restrained the defendant from inducing breaches of contract. To avoid the costs of being sued, take timely legal advice!

Thomson Brookers database used to research the law and case law

In a later case, Manchester Property Care (Christchurch) Ltd v Love, the employer did not succeed in their claim for an interim injunction. Here Love, a former salesperson, set up in competition with his former employer. It was alleged that he had either taken or memorised customer lists. Love denied this as Manchester only had 30 clients; he knew all their names and did not need to take lists or memorise them to recall them. The Court found that a seriously arguable case could not be made out as to misuse of confidential information. In Korbond Industries Ltd v Jenkins, the Employment Court spelled out “helpful guidelines as opposed to strict tests” for establishing in employment situations what information is confidential. These are: the nature of employment, and The South African

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AUCKLAND 23 September 2017.

The South African

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Whakaari White Island: a moonscape of volcanic desolation

Photo: Javier Sánchez Portero, wikimedia.org

olcanoes are a bit like big dogs. However well you think you know them, however dopey and friendly they might seem there’s always the chance they’ll cut up rough, and if they do, look out.

Some volcanoes, of course, are stroppier than others. A stroll on Mount Eden, for example, feels safe. A poke around on the flanks of Whakaari — White Island — by contrast, does not.

to visit. It takes around 80 minutes — far less by helicopter — to get there by boat, landing in Crater Bay. On the way, you’ll be issued with a gas mask and a hard hat, which will make you feel really safe.

That’s because White Island is the most obviously active of our volcanoes. Ruapehu and Ngauruhoe have a history of waking suddenly and with very little warning, catching everyone by surprise. On the other hand, if you were to be so unfortunate as to be in the way when White Island blew its top, it’d be hard to argue you weren’t warned. In big dog terms, White Island has a permanent snarl twisting its lips, and slobber hanging from its jaws.

Once ashore, you’re greeted by a moonscape of volcanic desolation, with the melancholy, rusted remains of a sulphur factory visible at the terminus of the mudflow that overwhelmed it, taking 11 lives, in 1914.

Of course, that’s what makes it so much fun

One of the unique features of White Island is that there is no exhausting climb up sliding scree slopes or flinty lava flows to get to where the action is. Access to the central crater is a short stroll over packed dirt that may as well be flat. It takes you past hot springs and mini geysers, and fissures in

the rock through which steam hisses. In the crater area itself, active fumaroles de-gas in the middle of the crater area, earning themselves names such as Donald Duck and Noisy Nellie, and the sulphuric stink of geothermal activity hangs over everything. A crater lake has been intermittently present over the site of recent activity: this changes colour depending on the weather and the mood of the mountain, from milky grey to vivid green or azure blue. It’s a harsh environment for precious belongings such as digital cameras: you might like to take a disposable instead. One thing is certain: you’ll want to take photographs . . . a walk on White Island is a once-in-a-lifetime experience. http://www.aa.co.nz/travel/editorial

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The South African

Jazz on Waiheke By Patsy Jordens

ood Friday, Easter weekend, saw us once again heading off to Waiheke Island for the annual Jazz festival. Coming into our 8th year of living in this free and beautiful New Zealand got me thinking whilst on the ferry that finding things that make your heart sing is the thing that slowly makes you feel like you are home. Immigration leads you to reinvent yourself. It is not for the faint-hearted, and like many others I have had some almighty challenges to overcome. We luckily escaped from the ongoing earthquakes in Christchurch to settle here in fabulous Auckland with its vistas and oceans and multifaceted cultures. Forming new traditions and developing new tastes and new Karynne Potter and Patsy Jordens at the Jazz friendships to inspire us over time is definitely the way to on Waiheke. finding happiness and peace in a new land. Although I am really still the same, I have also changed so much, not least of all in my new love affair with Jazz music. Music is such a uniting force. Coming from an alternative background, I wasn’t that familiar with this genre until I heard Hopetoun Brown play at the festival last year. This year’s venue was an olive grove at the end of a short bus journey across the stunning island. After setting up our picnic mats and getting a drink, we let the beautiful music and people and surrounds roll over us. Hopetoun Brown opened the day and Dave Dobbin closed, to much dancing and delight.

Hopetoun Brown

Dave Dobbin

The Jazz festival is an annual event over the whole Easter weekend and you can choose to do a day trip (like us), booking the combined ferry / bus /Jazz day on the internet, and off you go. This is truly a delightful way to spend Easter and, of course, sharing it with your fun-loving friends, or finding new ones. This is now one of our wonderful new traditions to look forward to each year. See you all there! Patsy’s contact details are: www.ginealhairorganics.nz : 022-620 2443 patsy.gineal@gmail.com.

Inquire about

The South African

This is how our Tax System works

uppose, that every day, 10 men go out for beer and the bill for all 10 comes to $100. If they paid their bill the way we pay our taxes, it would go something like this: The first 4 men (the poorest) would pay nothing. The fifth would pay $1. The sixth would pay $3. The seventh would pay $7. The eighth would pay $12. The ninth would pay $18. The tenth man (the richest) would pay $59.

So, that's what they decided to do. The 10 men drank in the bar every day and seemed quite happy with the arrangement, until one day, the owner threw them a curve. 'Since you are all such good 1st advt business 9cm x 6cm customers, he said,card 'I'msize; going to reduce the cost of your daily beer by $20. Drinks for AfrikAAns & English spEAking theLocated 10 now cost just $80. at the Northshore Womens Specialist Centre in Stephen Kruger dedicated to the highest quality TheAuckland, group Dr still wanted toispay of gynaecology services, with patient service to match. their bill the way we pay our SpecialiSing taxes so the firstin:4 men were • Heavy menstrual bleeding and period problems unaffected. • Fibroids They would still • Abnormal colposcopy drink for freesmears but and what about • Vaginal repairs Post delivery vaginal repairs the•other 6 men - the paying • Miscarriage and all early pregnancy issues customers? How could theysmears • General Gynaecology including • General Gynaecological divide the $20 windfallsurgery so • Infertility that everyone would get his For all appointments please call Wendy on 09 479 9016 'fairwww.gynaecologistauckland.co.nz share?'

Dr Stephen Kruger

Dr Stephen Kruger MB.Bch (Wits), FRCOG, FRANZCOG Obstetrician and Gynaecologist (formerly from Durban)

North Shore Womens Specialist Centre Ground Floor, 104 Rosedale Road, Albany, Auckland

They realized that $20 divided by 6 is $3.33. But if they subtracted that from everybody's share, then the fifth man and the sixth man would each end up being paid to drink his beer. So, the bar owner suggested that it would be fair to reduce each man's bill by roughly 2nd advt 1/4 page 14cm x 9cm

Dr Stephen Kruger AfrikAAns & English spEAking

Located at the Northshore Womens Specialist Centre in Auckland, Dr Stephen Kruger is dedicated to the highest quality of gynaecology services, with patient service to match. the practice SpecialiSeS in: • General Gynaecology including PAP smears • Heavy menstrual bleeding and period problems • Fibroids • Abnormal smears and colposcopy • Vaginal repairs • Post delivery vaginal repairs • Miscarriage and all early pregnancy issues • General Gynaecological surgery • Infertility Sadly, the majority of women who have cervical cancer diagnosed have not had a smear in the past 3 to 5 years. The greatest single reason when cervical cancer is diagnosed is that regular smear testing was not done. Call our practice nurse Wendy now to arrange your PAP smear and examination as part of your overall health care. IF yOu ARe exPeRIeNCING: • on-going pelvic pain • any unusual and/or persistent vaginal discharge, • bleeding between periods • bleeding after sexual intercourse • heavy vaginal bleeding • painful, uncomfortable sexual intercourse

We can help you. to arrange a consultation, please call Wendy on 09 479 9016

Dr Stephen Kruger

MB.Bch (Wits), FRCOG, FRANZCOG Obstetrician and Gynaecologist (formerly from Durban)

north Shore Womens Specialist centre

Ground Floor, 104 Rosedale Road, Albany, Auckland

the same amount, and he proceeded to work out the amounts each should pay. And so: The fifth man, like the first 4, now paid nothing (100% savings). The sixth now paid $2 instead of $3 (33%savings). The seventh now paid $5 instead of $7 (28%savings). The eighth now paid $9 instead of $12 (25% savings). The ninth now paid $14 instead of $18 (22% savings). The tenth now paid $49 instead of $59 (16% savings). Each of the 6 was better off than before. And the first four continued to drink for free. But once outside the restaurant, the men began to compare their savings. 'I only got a dollar out of the $20', declared the sixth man. He pointed to the tenth man,' but he got $10!' 'Yeah, that's right', exclaimed the fifth man. 'I only saved a dollar, too. It's unfair that he got 10 times more than me!' 'That's true!!' shouted the seventh man. Why should he get $10 back when I got only 2? The wealthy get all the breaks!' 'Wait a minute,' yelled the first 4 men in unison. 'We didn't get anything at all. The system exploits the poor!' The 9 men surrounded the tenth and beat him up. The next night the tenth man didn't show up for drinks, so the 9 sat down and had beers without him. But when it came time to pay the bill they discovered something important. They didn't have enough money between all of them for even 1/2 of the bill! That, boys and girls, journalists and college professors, is how our tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy and they just may not show up anymore. In fact, they might start drinking overseas where the atmosphere is somewhat friendlier.

james pretorius B.Ch.D. M.Ch.D. (Pret)

orthodontist Suite 3, North Shore Medical Centre 326 Sunset Road, Mairangi Bay Auckland 0632, NEW ZEALAND Telephone: Surgery (09) 479-7963 Fax (09) 479-7941 Home (09) 413-9854 Email: j.pretorius@clear.net.nz

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New to New Zealand If you’re new to our shores and want the opportunity to meet people who can assist you, come along to a New Arrivals Networking evening. Professional people who have lived in New Zealand for some time will be on hand to freely give you some great practical advice, and guidance on your journey – from Immigration solutions, Insurance and Medical options, the job market, accommodation, even how and where to buy or hire a car, to getting your driver’s licence converted, opening a bank account and getting an IRD number. See you there!

Simona Woodberg (NSIS) and Sybrand Botes

Sean and Mandy Fox

Please join us at the next evening and begin your networking in the right way! When: Where: Time: Please RSVP: Facebook Link:

Monday, 26 June and Monday, 31 July 2017. 100 Bush Road, Level 1, Building 2, Albany, North Shore 6pm to 8pm Albany.office@sharenz.com or call us on 09 915 0100 https://www.facebook.com/groups/186160668247433/ Richard and Marianne Pearce (Barfoot & Thompson).

Brad Kruger and Russel Whitlock (SHARE).

Neil Clarke (SHARE), Darren and Terry Moult with Tamzin Erasmus.

Brent Abrahamse, Peter Woodberg (NSIS), Allen Larkins and Gary Mudrovcic.

Gary Hey (People Limited), Melanie Jones, Kirsty and Grant Ballot.

Renee van der Westhuizen, Belinda Mudrovcic and Marianne Pearce.

Sybrand Botes, Isabe Botes and Anton Muller.

Danel Le Roux, Gary Mudrovcic, Melanie Jones and Neil Clarke (SHARE).

Susanne Fisher, Christel and Peter Lemmer.

Neil Clarke (SHARE), Albert & Danel Le Roux.

Lucas Hollaway, Izak Coetzee, Russel Whitlock (SHARE) and Brad Kruger. The South African

Writing a will How can I ensure that my wishes will be carried out after my death? This is the reason for writing up a will. If you have a written will, it is much more likely that what you want to happen when you die will actually happen - and in the way that you want it to, e.g. how you would like your funeral to be carried out, how your dependent children will be provided for, and what happens to any property and treasured possessions you may own. A will is essentially a description of what you want to happen in the event of your death and a set of instructions to make sure your wishes are carried out. What is an executor? An executor is someone who is responsible for seeing that - as far as reasonably possible - the instructions in your will are carried out. The executor/trustee for your will could be a family member or friend, or it could be a professional executor (e.g. your lawyer or a Trustee Corporation which provides wills and estates services). You could have one person undertaking either roles or more than one person sharing the responsibilities - it is up to you. When you have decided who you want to be the executor and/ or trustee, it’s wise to consult with them so that they are aware of their responsibilities well in advance. What should my will cover? In your will you should include the following kinds of information: the name of the person or people you have appointed to manage the distribution of your belongings (your estate) i.e. the executor of your will whether you want to be buried or cremated, whether you want to donate parts of your body for medical or scientific research. the name of the person or people you have appointed as guardians for your children (if you have any) instructions for how you want your money and other assets to be distributed to your partner, children, grandchildren, other family members, friends, charities etc the names of the people you would like to receive specific items in your possession. it should state that it revokes any other wills (in case you’ve made one previously) . To be legally valid, your will needs to be: in writing, witnessed by two people who are not beneficiaries of the will, signed by the witnesses, in your presence; and signed by you (the will maker) It is a good idea to set up enduring power of attorney (EPA) at the same time as making a will. Who can draw up a will for me? A Trustee Corporation A Lawyer/Solicitor

The South African

Use a commercial online wills service Doing it yourself Using the Public Trust's Simple Will Service What is a ‘life interest’? In a will, a ‘life interest’ can be used to grant someone the right to use a property for the rest of their life without becoming the owner of the property. What is a living will? A living will (also called an 'advance directive') sets out preferences for your medical care in the event where you are physically or mentally unable to decide on the care you would like. Links for online Wills: Kinly.co.nz and Trustus.co.nz Article taken and adjusted from http://www.cab.org.nz Want to give back to the community? Whether you’re new to philanthropy or have already started on your charitable donor path, finding a way to support the causes you care about can seem overwhelming. Relatively new to New Zealand, community foundations are especially popular in North America and the fastest growing form of philanthropy globally. So what is their appeal? Quite simply, community foundations make philanthropy accessible, easy and rewarding. Donors can set up a fund under the umbrella structure of the foundation without the hassle of the compliance, administration, investment and governance, meaning donors are free to concentrate on giving to the causes they are passionate about. Community foundations are also about place-based giving, and making a positive impact in the area that they serve. Auckland Foundation is a community foundation, and is committed to supporting causes and encouraging philanthropy across the whole city. Auckland Foundation recently launched The North Shore Fund, to benefit the communities of Takapuna-Devonport, Kaipa-tiki, Upper Harbour and Hibiscus and Bays. This type of fund is a great option for those keen to make a difference to the local areas they care about – and as gifts of any size are accepted into the fund, it’s also accessible to all donors who want to support local causes. If you’re interested in finding out more about Auckland Foundation, please visit www.aucklandfoundation.org.nz. Disclaimer: Information provided as a ‘class’ advice by Neil Clarke AFA (FSP10261) – 09 915 0100 – www.sharenz.com

‘Rent to buy’ option By Peter Woodberg

ith property prices skyrocketing and the reality of people living in their cars, many people are excluded from the property market. National will have to pull the rabbit out of the hat to stave off Labour and the Greens in the next election in September this year.

religiously for 5 years. 2. The rent paid for those 5 years becomes the deposit. 3. Get the properties valued by Independent Valuators. Discount this by 20% and that figure becomes the selling price of the state house (less the deposit of 20% which is rent received).

I have a suggestion. It’s the old idea of a ‘rent to buy’ scheme for beneficiary tenants who live in Housing New Zealand (HNZ) houses.

4. Secure a government backed mortgage for the new owners (ex-

This is my solution:

5. If the new owner defaults payment on their mortgage, the same

1. Sell state houses to tenants who have been paying their rent

tenants) in their own name with Kiwi Bank.

rules apply as for all lenders of mortgages, and Housing New Zealand must evict the defaulting owner and re-sell the house to another deserving, well paying tenant.

Dr Bernie Brenner

6. Instead of Housing New Zealand selling the houses themselves,

MB Bch (Wits), FRCOG, FRANZCOG, MBA, M phil, BA (UNISA)

they use experienced qualified Real Estate agents to prevent insider

Dr Brenner operates at the Day Stay Hospital Surgery on Shakespeare, this is an affiliated provider hospital for several day stay Gynae procedures.

trading and a conflict of interest. 7. T he benefits are huge - owners look after their own houses, carry out repairs, mow the lawns, paint and generally keep their homes and gardens in top shape. Owners are normally extremely house-

Gynaecologist and Uro Gynaecologist Specialising in Gynaecological Conditions including:

proud. 8. A more stable environment to raise children. Owning the family home means no more moving around, same neighbourhood, same schools, while the children are growing up until they are old enough to make it on their own. 9. Kids will see the benefit and will strive to own their own home

• Gynaecological Ultrasound • Female Urinary Incontinence & Urodynamic Assessments

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10. T axpayers will not continually pay for house repairs by delinquent tenants. 11. C ash flow and self-funding for Housing New Zealand to build new houses on government land, therefore, not costing the taxpayer. 12. A variation of this outline could also be used for affordable

Consulting Rooms at For an appointment phone Email Website

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housing.

Peter Woodberg had been a Real Estate agent for over 35 years and has had experience in the rent to buy schemes in South Africa. The risk is minimal as property keeps rising in value over the years

The South African

Erica Stanford Erica Stanford Erica Stanford East Coast Bays East Coast Bays East Coast Bays Invites you to our Invites you to our East Coast Bays Invites you to our Campaign Launch

Campaign Launch Campaign Campaign Launch Launch Invites you to our

Please join us for nibbles, a complimentary beverage Please join us for nibbles, a complimentary beverage and an afternoon of pool, bowls and darts. of pool, bowls and darts. and an afternoon Please us for18nibbles, a complimentary beverage When: join Sunday June 2017, 3:00pm – 6:00pm When: Sunday 18 June 2017, 3:00pm – 6:00pm Please us for nibbles, complimentary and anjoin afternoon of pool,abowls and darts. beverage Where: Browns Bay Club, and an afternoon of Bowling pool, bowls andBrowns darts. Bay Bowling Club, Where: When: Sunday 18 June 2017, 3:00pm – 6:00pm Beach Road, Browns Bay Road, Browns Bay When: Sunday 18 June 2017, 3:00pmBeach – 6:00pm Where: Browns Bay Bowling Club, Cost: Browns No charge, a donation to the Cost: Nocampaign charge, a donation to the campaign Where: Bay Bowling Beach Road, BrownsClub, Bay is appreciated is appreciated Beach Road, Browns Bay Cost: charge, a donation to the campaign RSVP: No Friday 16 June 2017 to Victoria on 0224162207 RSVP: 16 June 2017 to Victoria on 0224162207 Cost: No charge, a donation to theFriday campaign is appreciated email office@ecbnational.org.nz or email office@ecbnational.org.nz isorappreciated RSVP: Friday 16 June 2017 to Victoria on 0224162207 RSVP: or Friday 16office@ecbnational.org.nz June 2017 to Victoria on 0224162207 email or email office@ecbnational.org.nz

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The South African

Taranaki last stop on long journey Neville Fox, Port Taranaki’s Head of Marine Services.

eville Fox reckons the stork made a mistake when it dropped him in South Africa. “I’ve always wanted to live in New Zealand and when I came here for the first time I

felt at home – it felt like I should have been born here,” says Port Taranaki’s Head of Marine Services. Having finally arrived at his ‘spiritual home’, he is determined to stay put. But it has been a circuitous route for the Durban-born father of four, who first went to sea as a 17-year-old engineering cadet. Cape Town, Mombasa, the Seychelles, Perth, Sydney, Brisbane and Singapore have all been ports of call as Neville has moved from offshore engineering work to onshore management roles.

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” Aboutt FFoooodd” “W “Wilildd Abou

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He worked for marine services provider MMA Offshore Ltd for the past 10 years, the last five as General Manager International Fleet Operations in Singapore. He was responsible for the operations of 36 vessels providing marine logistics services to the oil and gas industry. Having decided to pack up, move to New Zealand, Port Taranaki, Photo: Dave Young settle down and possibly do some consulting work, serendipity occurred. “My wife and I travelled New Zealand looking for a place to live. I found a patch of land at Opunake and felt right about it straight away. We bought it in February last year and then the stars aligned and this role at Port Taranaki came up.” Having started in the job in December, Neville has had a few months to get to know the port and its importance to the region. He believes Port Taranaki is in a great position to grow and develop as a viable business entity. “It has a lot more to offer than purely a ship in-ship out operation and I’m really excited about the challenges it provides. I believe the oil and gas sector is going to pick up in the next 12 months and we need to be proactive and have the services available to support that offshore work.” Keen to be hands-on, Neville divides his time between office-based management and getting out alongside the 28 staff he manages – from pilots and masters of tugs and launches, to marine engineers and support personnel.

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The South African

Cash-flow versus profit HOW ARE YOU GOING TO make informed decisions? By Virginia Stallard from Vision Accounting

hy are we in business? Some say it is for the lifestyle, some say it is so they can be their own boss. If we are really honest though, we are all in business to make money. A business makes money by simultaneously increasing its net profit, earning a return on the investment made, and managing its cash-flow.

It is important to understand that cash-flow and profit are two completely different things. Cash is the petrol that makes your business’s engine run. Cash-flow can be defined as the way money moves into and out of your business; it is the difference between having enough to open a business and having enough to keeping it running. Cash-flow analysis is the way of checking your business’s financial health. It is the review of the movement of cash through your business, to determine patterns of how you take in and pay out money. The goal is to maintain sufficient cash for your operations month on month.

Vision Accounting provides the clarity you need to be confident of your financials. So you can act without haste! P 09 415 0319 visionaccounting.co.nz 1 2 3 4 5

Understand your numbers Build financial freedom principles Protect your assets Manage your financials without stress Make informed decisions when you need to

Net profit is determined by deducting all the expenses from the revenues. Expenses and revenues are recorded as they happen, not necessarily as you receive or spend the money for them. The end of the financial year is just a ‘line in the sand’. It is a date set by the directors of the company and the Inland Revenue, and is the point at which the business profit results are calculated. This will determine tax liability, and these reports can be provided to financiers. However, it is just a ‘snap shot’ at that point, and may not reflect the actual ability to pay the bills as they come due. As Chartered Accountants we hear from time to time the exclamation: “I don’t have any money to pay for tax/wages/ creditors/new machine” etc. How can this be if the business is actually profitable? Let’s look at Accounts Receivable. Suppose you have a customer to whom you extend credit. That customer buys your product or service. On your profit statement, that sale shows up immediately even though you have not yet received payment. On your cash flow report, that sale does not show up until you get paid. Inventories are also something to keep an eye on. You need products on your shelves to make a sale, but obviously you needed to pay for them first. Depending on how long these have been on your shelves, you may very well have paid for them long before a sale has been made. Managing the cash-flow of these two very important aspects of your business can be the difference between staying in business or, sadly, having to close the doors. At Vision Accounting we assist our clients in understanding these issues. We discuss matters such as terms of trade, accounts receivable collection days, stock levels and obsolescence, stock turn-over, credit options for payment of suppliers, overdraft facilities and finance options for the purchase of new assets. We aim to assist our clients so they can make informed decisions when they need to, and manage their financials without stress. Understanding “the numbers” – what profit and cash-flow mean - is crucial to maintaining assets and investments, and ensuring those are growing and protected. That way we can all build the financial freedom and lifestyle we are working so hard for. The South African

 

    

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Various factors can influence your mortgage application

e have been noticing lately, that some clients are unaware, or confused, by the various factors that influence the quality of a mortgage application with the banks. It is not simply a calculation of Income vs Repayments which determines how attractive you and your deal is to the prospective lender, a host of other matters

Need a Residential Mortgage expert? Self Employed Investment Purchasers Debt Consolidation First Time Buyers Building Loans Over 80% loans can be sourced Melanie Jones mobile 021 293 3081

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come into play, 4 of which are: 1. How long have you been in your current employment or business, at your current income? Recently moving into a job in a new industry, or starting your own business, will probably result in the bank holding off on approval until you have established a track record at your current income level. 2. How much other debt do you have? Piles of Credit Card, HP, Car Loan, etc, debt is a big red flag to the Bank. And just before you think you can hide this debt, the banks do call for all bank statements, and will notice these loan repayments being deducted! 3. Do you continuously conduct your Bank Accounts poorly? A once off hick-up going into unarranged overdraft or having a payment returned, which can be explained, may not be too much of a problem. But a steady stream of misconduct will result in a big red declined stamp. 4. Do you have a poor Credit Rating? Every time you apply for a Loan or Hire Purchase arrangement, the company does a credit check to ensure youâ&#x20AC;&#x2122;re above board. With every enquiry into your rating, your rating score is reduced, until it dips so low, that the banks are no longer enthusiastic about your custom.

To discuss these or other factors that influence your application, please contact our offices. The South African

PROPERTY CORNER This regular feature is written by Richard Pearce of Barfoot & Thompson, Residential. In this issue Richard presents a:

Richard Pearce

Who is buying homes in Auckland?

ata from Corelogic* shows that buyer activity in the Auckland residential property market has softened, and that Auckland prices have reduced slightly over the last few months. (see chart 1)

Corelogic data also shows that that the total number of listings in Auckland is now 50% higher than a year ago, which will put pressure on prices during the months ahead. Even though the market is slower, properties are still being sold, and it is interesting to look at who is buying. Chart 2 shows the share of sales to each group of buyers. Corelogic commented "The latest round of LVR restrictions has caused a significant drop in sales volumes, and this impacted all buyer groups. The impact has been more on first home buyers and movers than investors.” As a result, the share of dwellings purchased by Investors (light blue) has increased to over 40%, while the share of dwellings purchased by Movers (dark blue) has dropped to around 20%. First Home Buyers (red) also account for around 20% of purchasers.

Chart 1

Corelogic commented that “The strength in investor share is mainly due to cash investors remaining active, while those requiring a mortgage have reduced their activity due to them not having the required 40% deposit.” “New to Market buyers (yellow), being mostly people new to the country and paying in cash, are unaffected by lending restrictions and increases in interest rates.” In my article in the last issue of The South African magazine, I suggested that there was a window of opportunity to purchase property before prices start increasing again, and my opinion remains that buyers who may be able to purchase should be actively looking for finance and for the right property, and purchasing when they find it. I am happy to meet with potential purchasers and discuss options and opportunities.

*SOURCE: The above information, charts and quotations comes from CORELOGIC NEW ZEALAND MONTHLY PROPERTY MARKET & ECONOMIC UPDATE April - May 2017 (and the March-April Update). These very informative reports can be accessed via their website corelogic.co.nz.

The South African

Chart 2 Disclaimer: The comments and opinions expressed above are my personal views and are NOT those of Barfoot & Thompson. The above is not intended as financial advice, and all persons should make their own decisions based on their personal circumstances and on advice from a number of sources.

What’s On Diary SA Social on the Shore: 1st Friday of each month: 2 June: 7 July: Browns Bay Bowling Club: All welcome: 6pm – 10pm. New Arrivals Networking Evening: Monday: 26 June: Monday: 31 July: 100 Bush Road, Albany: 6pm to 8pm: RSVP for catering purposes only: Marion on 09 915 0100. SANZ Golf: Last Sunday of the month: Contact: Cedric Braby: 027 4742264 or 09 478 9544: email cedric.braby@gmail.com. All welcome. Tuisnywerheid Day (S.A.F.E.): Contact: Veronica Turner: 021 250 8509: Photo: ALV Photography

turner7@slingshot.co.nz. SA Bays Crafters: Tuesdays: 10.30-12.30pm: Contact: Wendy: 09 4769180. SA Christchurch: Contact: Nicole: 021 213 7 379: nicoleauret@hotmail.com.

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SA Wellington: Contact: Iegsaan Bennett: madiba@xtra.co.nz.

I am available to help you develop your next project in an eye catching and memorable way.

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SA Women in Wellington: Contact: Michele at michele.courage@gmail.com or Ginelle at sandartnz@gmail.com. SA Hamilton: Contact Angela Bridger: angelabridger@gmail.com. Saffas paying it forward NZ: Paulicia Oliver: 021 0828 7659: paulolivier36@gmail.com: RainBow Support Group Auckland: Contact: Felicity Bosch: 021 147 7151: felicityb48@gmail.com. SA Teens in NZ: https://www.facebook.com/groups/348987868638001/

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The South African

Visiting the beach can change your brain in an incredible way

New Chums beach, Whangapoua, Waikato, New Zealand. Photo: Piotr Zure, wikimedia.org

e all know that spending time outdoors is good for you on both a physical and mental level, but the benefits of spending time specifically at the beach have just been

revealed.

That incredible feeling of peace and calmness that you experience at the beach is now being referred to as ‘blue space’. That’s what scientists have dubbed the effect that the combination of soothing smells and sounds of water have on your brain. The blue space is enough to make you feel at ease in a hypnotic sort of way.

Overall, spending time at the beach will change your perspective on life And that perspective is going to change for the better! Nature in general has always been a factor in healthy happy lives, but the beach in particular is so good for the soul. So grab the SPF and pack a picnic, because it’s time to head to the beach! http://shareably.net/visiting-the-beach/

When you notice how relaxed you feel at the beach, it’s not just all in your head. Science says that it’s a change in the way your brain reacts to its environment leaving you feeling happy, relaxed and reenergized. Overall, this blue space effects you in four different ways. Going to the beach reduces stress Water is nature’s cure to life’s stressors. It’s full of naturally occurring positive ions that are known for having the ability to make you feel at ease. So whether you jump in for a swim or simply dip your toes in the water, you’re sure to experience a feeling of relaxation. That’s one instant mood booster we could all use from time to time! The beach boosts your creativity Feeling like you’re in a creative rut? Well, scientists now believe that the solution to this is the beach. Being in blue space allows you to clear your head and approach problems or projects in a more creative way. Much like meditation, the beach triggers a feeling of calmness that allows you to tune everything else out and reflect on what it is you need to focus on. Going to the beach can help reduce feelings of depression Much like the effects that the beach has on feelings of stress and creative ruts, the beach also provides some relief to feelings of depression. The hypnotic sound of the waves in combination with the sight and smells of the beach can put you into a meditative space. In turn, you can clear your mind and reflect on life in a safe space away from the chaos of your daily life. The South African

MORE silly questions foreigners ask SAFFAS

yths and stereotypes about South Africa and its people continue to thrive in some countries. Although South Africa has been welcomed back to an increasingly globalised world

after the end of apartheid, some foreigners continue to harbour romantic ideas about life in Africa. Certainly, one would not expect anyone outside South Africa’s borders to have an in-depth knowledge of the country or its history, but it’s surprising how many crazy myths and stereotypes about our land and its people continue to thrive. Not even the publicity surrounding Nelson Mandela’s death and his involvement in the anti-apartheid struggle have succeeded in enlightening some people about the multiracial nature of SA society. As a result, South Africans living or travelling abroad are asked some ridiculous questions. Here they are:

How does it feel to wear clothes? Have you ever had Aids? Which tribe do you belong to?

Do you have internet/ phones/ roads/post/ shops/ schools/

So you’re down next to Australia, right?

money in SA?

Do you speak African?

Do you own a gun?

Did you have a slave in South Africa?

Do you ride around on elephants?

But you don’t have a South African accent?

Why would you want to come here (NZ, USA, etc)?

I know that you lived in South Africa but where were you born?

Can you see Kilimanjaro from your house?

You must’ve been born somewhere else.

Oh you’re from Johannesburg – do you know my friend Peter in

How did you learn to speak English?

Nairobi? How many wives does your husband have?

Which country in South Africa are you from? https://www.thesouthafrican.com

Are you a former South African resident? Are you moving from SA? Do you need help to access your South African assets? Julianyou Haw Consultants here toAfrican help. We are SpecialistsAre in emigration and tax and takeSA? care ofDo the you financial hassles experiAre a former are South resident? you moving from need help to enced by former SA residents who left many years ago or are now leaving. We help you to get your own cash and oversee the access your Julian Haw Consultants are here to help. We are Specialists in emigration process from startSouth to finish. African assets?

and tax and take care of the financial hassles experienced by former SA residents who left many years ago or are now ·leaving. ArrangeWe your tax you clearance emigration help to get for your own cashfrom and oversee the SARS from start to finish. We help you to: process We help you to:

· Move your own cash to your new country. ·· Apply to the SARB emigration Arrange your tax for clearance for approval, emigration from SARS Move youryour ownSARS cash account to your new country. · Re-activate · Arrange Apply to the SARB forretirement emigration approval, access to your annuities – · atRe-activate your SARS account any age- as a 100% lump sum · Arrange access to your retirement annuities – at any · Open your blocked bank accounts age- as a 100% lump sum · Negotiate the confusing and time-consuming · Open your blocked bank accounts · paperwork. Negotiate the confusing and time-consuming paperwork.

Not ready to emigrate? Notcan ready emigrate? We can use thefor foreign We usetothe foreign investment route up to investment route for up to R10 million per year. You must R10 million per year. You must have a green bar have a green bar coded South African ID. (T’s and C’s apply) coded South African ID. (T’s and C’s apply) A little little bit Chartered Secretary, ACIS, andand waswas a financial services provider in South AfricaAfrica for 27for 27 A bit about about Julian Julian Haw: Haw:“I“ am I ama a Chartered Secretary, ACIS, a financial services provider in South years until While in in SASA I was a certified financial planner, CFP.CFP. I am Iaam registered tax practitioner years until IImoved movedtotoBrisbane Brisbaneinin2012. 2012. While I was a certified financial planner, a registered tax practitioner with SARS through Julian Haw Consultants (Pty)(Pty) Ltd and workwork with with my South Afri- African with SARSand andcontrol controlthe theoperations operationsfrom fromBrisbane Brisbane through Julian Haw Consultants Ltd and my South can company, Natal in Durban. company, UPCUPC Natal PtyPty LtdLtd in Durban.

Interested?Don’t Don’twait waitforfor the Rand devalue. www.JulianHaw.com Contact info@julianhaw.com Interested? the Rand to to devalue. Visit Visit www.JulianHaw.com Contact info@julianhaw.com 22

The South African

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Employers, if you areService looking for qualified staff we can Immigration you can Trust help. We source(established applicants from all over the world. 1993) Immigration Service you can Trust

(established 1993) can assist with staff: New Zealand is slowly coming out of the We recession and there arefinding now more skilled jobs being advertised in most of our cities. New Zealand and there are now more skilled jobs being advertised in most of Tradesis slowly coming out of the recession Quantity Surveyor Procurement Managers Christchurch our cities.will be needing hundreds of skilled people to assist with the rebuild, so trades people as well as civil and otherChristchurch engineering posts are nowhundreds becoming available. Electrical will be needing of skilled peopleEngineers to assist with the rebuild, soLogistics trades people as well as civil and Electricians Northother Shore Immigration with their wealth of engineering posts are now becoming experience available. & sound reputation can assist migrants relocate to New Zealand Health & Safety Plumbers as providers of highly personalised from temporary, permanent andcan business visas. Mechanical North Shore Immigration with theirservice, wealth of experience & sound reputation assist migrants relocate to New Zealand as providers highly personalised service, from temporary, permanent and business visas. Insurance CabinetofMakers

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

Toolspecialist & Die makers offer help and assistance with: Refrigeration We provide immigration solutions for: Technicians We also Hairdressers

We provide specialist immigration solutions for:

We also offer help and assistance with:

Cable layers Construction Butchers U Residence (Skilled Migrants, Business, Family) unabridged birth certificates U U Residence (Skilled Migrants, Business, Family) Chefs birth certificates U unabridged Civil Engineers Finance & Business U Business Visa (Entrepreneur and/or Investor Categories) police clearance certificates U U Business Visa (Entrepreneur and/or Investor Categories) clearance certificates U police Actuaries Beauty Therapists Project Managers U Work Visa (for those who have a job offer, based on their U Work Visa (for those who have a job offer, based on their passport renewals UUpassport renewals skillsskills & experience) & experience) translations UUtranslations U Work/Student visas forfor their immediate U Work/Student visas their immediatefamily familymembers members assessmentof of overseas qualifications overseas qualifications U Student Visas for for those who wish in New UUassessment U Student Visas those who wishtotostudy study New North Shore Immigration willinprocess all the paperwork to assist overseas staff, obtaining NZ registration occupations Zealand, andandso that they have the correct visas to be able to registration for for occupations Zealand, UUobtaining work inNZ New Zealand. U Job Search/Graduate Work ExperienceVisas Visasfor forstudents students who U Job Search/Graduate Work Experience where required. wherethis thisis is required. have completed their NZ studies. have completed their NZ studies. website: www.nsis.co.nz email: info@nsis.co.nz info@nsis.co.nz 09 3392 website: www.nsis.co.nz email: peter@nsis.co.nz ph.: 09 415 3392 17Aph: Corinthian Drive Albany Auckland website: www.nsis.co.nz email: ph: 09415 415 3392