How Does Debt Review Work? How does debt review work you may ask. In practise, a consumer will usually consult a Debt Counsellor when he or she realises that he or she cannot meet his or her monthly obligations. In other instances, the consumer who has defaulted on payment on a particular credit agreement may receive a letter in terms of Section 129 of the Act from the credit provider that informs him/her of the default and refers him/her to, amongst others, a debt counsellor. How the process works and what the role of the Debt Counsellor will be: The consumer applies by completing a Form 16 or provides a debt counsellor with the relevant information stipulated in Regulation 24(1)(b). The debt counsellor informs the credit providers and credit bureaus of the application by updating the NCR’s DebtHelp system and issuing Form 17.1 Then verifies the information provided by the consumer as well as the information received from the credit providers in the form of certificate of balances (COB). The debt counsellor assesses whether the consumer is over-indebted, or not. If the consumer is not over-indebted then the debt counsellor must reject the application as set out in section 86(7)(a) and update the NCR DebtHelp accordingly. Depending on the outcome, the debt counsellor then assesses whether the consumer is eligible for debt review or not. The credit providers and credit bureaus are informed of the decision. If the consumer qualifies to be placed under debt review, the debt counsellor sends out Form 17.2 to the consumer’s credit providers and credit bureaus and draft a debt restructuring proposal. After consideration of the debt restructuring proposal by the credit providers, the matter is referred to a Magistrates Court in terms of Section 86(8) of the Act or the Tribunal in terms of section 138 of the Act for an order declaring the consumer over-indebted. The consequences of being placed under debt review: The credit providers may not enforce the . . .
Gauteng’s top Engen Maths and Science School (EMSS) matriculant, Skhumbuzo Mbatha has a secret weapon to ensure his success – an absolute belief in himself, which saw him improve from just 6% in mathematics in grade 9 to an outstanding mark of 92% in his final matric exam. Skhumbuzo eventually achieved five distinctions for matric, enough to earn him a place to study Mechanical Engineering at the University of the Witwatersrand in 2019. The 17-year-old attended Leshata Secondary School and joined the EMMS programme at Zakarriya Park when he was in grade 10. He eventually beat out 87 fellow matrics at the end of last year to take top spot amongst those in Gauteng who attended the EMSS programme. Sharing a home in Orange Farm with nine people, including his grandmother, two aunts, an uncle and four other grandchildren, made studying difficult. Skhumbuzo, who lost his parents when he was young, however credits the support from his family and their strong belief in the power of education, for his good marks. “Personally, losing my parents was the greatest hardship I’ve experienced but I didn't let my loss define the summit of my destination,” says Skhumbuzo, who also scored 95% for science. Every Saturday during his grade 12 year, Skhumbuzo attended the Engen-sponsored supplementary classes to ensure he achieved top marks. His suggestion for this year’s matrics is to take advantage of every opportunity for extra learning. “My advice is to depend on yourself. Your teacher is there to just confirm what you already know but proper preparation prevents poor performance, so study while others are sleeping, listen while others are talking and take advice from your teachers. “The secret to my success lies in hard work and putting in the extra hours, but also in asking for help and attending EMSS classes which were useful in that you were free to ask questions and receive concise explanations. “It’s vital to prioritise your time and to sacrifice for your . . .
Social entrepreneurship skills are the gateway to preparing South Africa’s future leaders in eradicating domestic and international problems, with the annual Youth Citizens Action Programme (Y-CAP) providing the ideal platform for manifesting active citizenry, says Amanda Blankfield-Koseff, CEO of Empowervate Trust, which runs Y-CAP. The programme is implemented in over 700 public schools nationally in collaboration with the Department of Basic Education. The programme provides young leaders with project management, social entrepreneurship and life skills through the Y-CAP Toolkit and workshops. It also gives them a platform to showcase their impactful and sustainable projects at district, provincial and national level. “Over the years the programme has seen so many innovative solutions stemming out of this country’s young people. Now in its tenth year, and 2019 being a national election year, we anticipate even more schools not only participating but coming up with creative ways that showcase leadership and a passionate desire to change both their communities and country for the better,” says Blankfield-Koseff. Entries for this year’s programme are open to all primary and secondary public South African schools and will be closing on February 28. The district eliminations will take place in May, with provincials being held in Youth Month. The national event will take place during Mandela month at the end of July, where the National Champions whose were the most impactful and sustainable will be announced. “Last year’s winners focused on food security projects, ensuring the 9,2 million learners fed by the country’s National Nutrition Programme were managed effectively and had the best nutrition during school hours. They believe their food security solutions will help their peers cope academically and live a well-balanced life,” Blankfield-Koseff says. The incentives include certificates, trophies, tablets, phones, and prize money to enable the projects . . .
The Western Cape’s top Engen Maths and Science Schools (EMSS) matriculant, Maajidah Arendse hopes to become a successful civil engineer and a proud representative of women in Engineering. “I want to be a part of projects that improve both the built and natural environment by making new discoveries and making the lives of my fellow South Africans better,” says Arendse, who achieved six distinctions, including 85% for science and 89% for English in the 2018 matric exams. These results ensured that she secured a place to study a BSc degree in Civil Engineering at the University of Cape Town in 2019. Arendse, who attended The Oracle Academy High School in Ottery, grew up in Zeekoevlei in Cape Town. She spent every Saturday morning from grades 10-12 attending Engen’s supplementary classes at the Cape Peninsula University of Technology (CPUT), which helped to boost her marks. She credits these extra lessons for her outstanding results. “Waking up early every Saturday morning to attend EMSS classes taught me discipline and showed me the benefits of sacrificing weekend time in order to improve and be consistent in my academics. “The EMSS classes put me at an advantage even at my own school and I knew the sacrifices would be worth it. “The teachers at the EMSS classes always created a positive environment in class and offered useful advice for the preparations of the final matric exams,” she adds. Her advice for the 2019 Matric class is to realise that you are competing with yourself and not others. “Set goals for yourself because at the end of the day you write your final exam alone and it is your effort and hard work that produces results.” Arendse does however caution against over work. “It is important to take breaks whether it’s being outdoors, watching your favourite movie or even having lunch with your family.” Continuous encouragement and support from her parents and elder sister also played their part in her excellent marks. “Grade 12 is not . . .
Just over a decade since its inception, the first class of children to have attended the Kungwini Welfare Organisation’s Early Childhood Development Centre in Zwavelpoort, East of Pretoria, are preparing for their final years of high school. Now, after more than a decade of providing a school readiness service to children of the surrounding community, the centre is looking forward to expanding its capacity in 2019 thanks to the corporate social investment received from Medipost and other partners. “The benefits of childhood development for improving the socio-economic conditions of individuals in later life and making a positive difference to the community as a whole over the longer term are well established,” says Rentia Myburgh, Medipost’s director for sales and marketing. “We see great potential for achieving these goals in the school readiness programme provided through the Kungwini Early Childhood Development Centre, which serves the children and community of Zwavelpoort.” Early childhood development is recognised by the World Health Organization as a key social determinant of the child’s future health, particularly where learning is supported with good nutrition, as is the case at Kungwini Early Childhood Development Centre, which provides meals and snacks as part of its school readiness programme for children aged between one and six years. “Promotion of education and health has always been important to Medipost, as we believe these are the pillars of a more equal and prosperous society. When we have the opportunity to support non-profit organisations through our corporate social investment initiatives, we therefore prioritise projects that are making a contribution towards the lives of community members through health and education,” Myburgh adds. “With hundreds of children from the Zwavelpoort community having had the advantage of attending this Early Childhood Development Centre over the years, Medipost wanted to help support the worthy work . . .
Losing her beloved grandmother during her final matric exams forced Thabiso Ndlovu to suppress the pain and soldier on in pursuit of the results she knew would make the women who helped raise her proud. Hailing from Umlazi in KwaZulu-Natal and an attendee of the Engen Maths and Science School (EMSS) hosted weekly at the University of KZN, Thabiso eventually achieved seven distinctions, with over 90% in both maths and science. This set of impressive results secured her top spot amongst the 532 Engen Maths and Science School leaners who wrote matric in 2018. Most importantly, however, it also secured her a place to study medicine at the University of Cape Town in 2019. “Qualifying as a doctor and making a difference will be the fulfilment of a life-long dream,” says Thabiso. A fear of being average is what pushes her to do her best in everything she undertakes, which will surely hold her in good stead at UCT. “I hope to successfully achieve my goal of being a doctor. I also want to combine the use of computers and medicine to effectively practise the betterment of the lives of all people.” Thabiso, who lives with her mother, aunt, cousin, two uncles and a brother in P section Umlazi, says her family have always been her motivation. “We have very little to live by, relying mostly on the small income from my aunt and social grants but everything I do is for them,” she says. Her advice for the matric students of 2019 is to do their best and approach their studies with a clear mind and a calm attitude. “Above all, prayer is most important,” she counsels. There are nine Engen Maths and Science Schools in South Africa offering weekly supplementary classes to learners from grade 10-12, including one each in Cape Town and Gauteng, three in the Eastern Cape and four in KwaZulu-Natal. A total of 532 matriculants from across South Africa benefited from Engen-backed extra classes in English, maths and science last year, achieving an impressive 93% pass . . .
5 FEBRUARY 2019 – PRETORIA – ITSI, the pioneering provider of educational tools based on well-established research in the field of educational neurosciences, today launches Learning Hacks – a study methods course aimed at learners which looks at the latest insights from cognitive neuroscience to ensure learners are equipped with the best possible methods of studying. The Learning Hacks study method course is based on insights from a variety of disciplines, particularly that of Mind, Brain and Education (MBE), to teach students the fundamental truths of learning. Many myths prevail when it comes to studying, and the Learning Hacks course is aimed at uncovering these myths while teaching kids how to study more effectively and looks at the following concerns: • Am I studying effectively? • Could my time be used better when it comes to studying? • How can I spend less time studying, yet remember my work? Dr Lieb Liebenberg, ITSI’s CEO, explains, “The brain is the most fascinating organ in our bodies. Scientists still haven’t figured out everything there is to know about the brain because it is so complex and intricate. The Learning Hacks course will help learners get the most out of this incredible, intricate and amazing thing called “the brain.” The Learning Hacks course is presented during interactive two-hour long workshops once a week over a three-week period. While teaching students how to learn, the course itself draws upon principles of Mind, Brain, and Education. Benefits to learners: • Improve your study methods • Take charge of your own learning • No more wasting precious study time • Study more effectively and get better results • Learn why certain methods work and others not • Understand how the brain works • Retain information better • Retrieve information when it’s needed Dr Liebenberg continues, “Understanding how the brain works guides us in understanding why some learning strategies work, and others don’t. For example, we . . .
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Johannesburg 29 January 2019 - Enterprise Development (ED) and Supplier Development (E&SD) is one of the most current government and private sector driven programs, after the 2003 Broad Based Black Economic Empowerment (BBBEE) document. These programs are racially selective systems to empower previously disadvantaged groups and to enhance the economy, in South Africa. According to the Stellenbosch Business School, Enterprise Development is defined as ‘the act of investing time and capital in helping people establish, expand or improve businesses.’ This certainly presents young entrepreneurs, inventors and those with unique business ideas, with the opportunity of making a difference in society - not just for themselves, but for other economically active citizens as well. At the end of 2018, nearly 800 000 matric candidates sat for their final exams across the country. Of these many will opt to further their studies through a tertiary institution, but for those who will be seeking employment, it will not be easy. According to an article in Fin24, less than a quarter of matriculates will find jobs relatively quickly. The economist, Mike Schüssler of economists.co.za said in the online article - about the previous year’s matriculates - dated January 2018, “Those members of the matric class of 2017 who will not be studying further, but will be looking for a job, will not be easily absorbed by the job market.” He continued, “it will be tough for them to get work. Over 50% of our matriculates under the age of 34 have not found permanent employment and it’s not getting better.” [https://goo.al/pfEP3H] Whilst the facts of the situation are important, seemingly, discomforting news articles make those who just completed their exams, be it in school or a tertiary institution, rather despondent. These are meant to be the years to which they look forward to making a difference and impacting the South African economy; and those communities in which they live. Those . . .
KST congratulates the Fezile Dabi District Grade 12 Class of 2018 for their remarkable achievement in the 2018 National Senior Certificate (NSC) examinations. They achieved 92.3% pass mark; an improvement of 2.1% from 90.2% in 2017; placing the district as the top performing district nationally for the second consecutive year. The Free State Province attained a 87.5% pass mark; an increase of 1.4% from 86.1% in 2017, placing the province at the number two spot nationally. KST, in partnership with the Free State Department of Education (FSDoE) has been implementing the District Whole School Development (DWSD) model in selected Quintiles 1 to 3 primary and secondary schools in the Fezile Dabi and Motheo districts for the past five years. On Saturday 19 January 2019, the Fezile Dabi FSDoE hosted its “Well-done function” at Kahobotjah Secondary School in Sasolburg. The aim of the function was to acknowledge and celebrate, through award categories, the hard work and contribution made by the district’s officials who include the District Director, Subject Advisors, Circuit Managers, Principals and Educators. Of the 59 schools in the district that wrote the 2018 NSC examinations, nine attained a 100% pass mark, 32 attained between 90% – 99 %, 14 attained between 80% – 89 % and four attainted between 60% and 79%. The district attained an overall 40.1% bachelor passes, whilst 36.9% was attained for Diplomas and 15.3% for Higher Certificates. These results are a bare testament that the DWSD model is indeed successful and sustainable. At this function KST also introduced the KST Revolving Trophy Award as a token of appreciation to the best performing district in the Free State Province. “In 2009, I had made a promise and commitment that we would turn around the district performance and propel Fezile Dabi to be the top performing district in the province; and the country, I had a lot of critics who were very sceptical that we would not be able to achieve this milestone; . . .