Deur elke aspek van korttermynversekering goed te bekyk, kan 'n mens teleurstelling voorkom, skryf die finansiële beplanner Pieter Willem Moolman. 'n Leser vra onlangs per e-pos raad oor korttermynversekering. Hy is 26 jaar oud, aan die begin van sy loopbaan en wil deeglik seker maak hy het voldoende dekking. Dit is byna onmoontlik om in een artikel 'n diepte-oorsig van korttermynversekering te verskaf, maar ek sal 'n paar van die belangrikste aspekte uitlig wat op almal van toepassing is. Baie mense beweeg tussen versekeraars rond in 'n poging om 'n laer premie te betaal. Hulle kan gerus dié waarskuwing ter harte neem: goedkoper premies beteken dikwels nié jy geniet die beste dekking nie. 'n Voornemende kliënt moet eers seker maak die versekeraar het die vermoë om sy of haar eise uit te betaal en kan 'n diens van goeie gehalte lewer, wat spoedige betalings van eise insluit. Nog 'n belangrike aspek is die dekking wat jy ontvang. Versekeraars se polisbewoording is gewoonlik taamlik standaard, maar daar kan beduidende verskille ten opsigte van uitbreidings en bybetalings wees. Jou verhouding met die versekeraar is ook belangrik. Uitbetaling van twyfelagtige of “grys” eise is baie waarskynliker in gevalle waar daar 'n sterk sakeverhouding is. Maak seker jy het 'n diensvlak-ooreenkoms met jou makelaar sodat julle weet wat elke party se pligte en verantwoordelikhede is. Teen die agtergrond van die huidige wette word 'n geskrewe ooreenkoms aanbeveel. In so 'n ooreenkoms kan onder meer die diensvlak-ooreenkoms, vergoeding en kommissie-struktuur asook jaarlikse hersiening uitgestippel word. Dit is vanselfsprekend dat jou makelaar gekwalifiseer én gelisensieer moet wees. Vra gerus sy persoonlike besonderhede en maak seker van sy ervaring op dié gebied. Nog 'n belangrike vraag is of jou makelaar deur genoeg versekeringsmaatskappye geakkrediteer is sodat hy die beste produk vir jou behoeftes kan bekom. 'n Ervare makelaar sal 'n belangrike rol speel om seker te . . .
South Africa’s top mountain bikers will launch the second half of their season at the 15th annual Kia Walkerville Classic, presented by ASG, on Sunday. In the absence of last year’s winner Max Knox and runner-up Philip Buys, whose respective European and Olympics commitments will see them on the sidelines, Gauteng’s biggest race is set to crown a new champion. Brandon Stewart of FedGroup-Itec Connect, third in his maiden outing last year, is set to spearhead the list of favourites, which also includes former Old Mutual joBerg2c champions Neil MacDonald and Waylon Woolcock of RE:CM. “It’s definitely an important race for us,” said former national cross-country champion Stewart. “Organisers are expecting 1 500 riders, which is a fantastic turnout for a winter event.” He said the title sponsor was also his team transport partner and therefore a win was key for the team. “Last year, I was recovering from illness and it was the first time I’d done it. Now that I know the course, I should fare better.” Stewart said the 60km route, which is punctuated by three climbs, was relatively fast and flat, with good single-track sections, and he expected “tight and close” racing. He said the lead bunch would probably separate from the field on the initial 3km climb up Platberg, which is just seven kilometres into the race. “You’ve just got to give it all you’ve got on that first climb.” He did not foresee any of the favourites attempting to get away there. “With another 40-odd kilometres to go, it is extremely unlikely.” The 31-year-old from Hilton in KwaZulu-Natal said the chances of a breakaway on the gradual Wattle Alley ascent, midway through the race, were also slim. “If you’re out on your own, it’s easy for the bunch to haul you back.” Stewart said the main contenders would, in all likelihood, leave their main assault for the final 1.5km uphill drag to the finish at the Walkerville Showgrounds. “If you’re still strong there you can make it really . . .
After its great success last year, The Herald Urban Run will return this Tourism Month – once again drawing runners and adventurers from all around to participate in the ‘urbanathlon’ – taking them on a journey through some of the city’s urban sights and attractions while raising money for charity. “Events like the urban race are what our city thrives on. The race shows off several of our inner-city attractions – exposing tourists to a part of our city that abounds with history, art and heritage,” said Nelson Mandela Bay Tourism (NMBT) CEO, Mandlakazi Skefile. The event, which had its first ‘run’ last year, expects to see hundreds of athletes from around the Eastern Cape descend on Nelson Mandela Bay again this year. The city footrace starts and finishes at the iconic Donkin Reserve, also known as the ‘beacon of the bay’ takes place September 16th. It takes competitors through the Central Business District (CBD) of the city along with part of the heritage trail Route 67 and includes iconic sights such as Fort Frederick. Nelson Mandela Bay’s CBD has become one of the front runners in respect of urban renewal, this race calls for tourists and locals to bear witness to the urban transformation for themselves. “The 10.5km urban obstacle race is for social fun runners who are looking for something a little different,” said event organizer, Michael Zoetmulder. “By its very nature, an Urban Run is a multi-disciplinary, city foot race with the emphasis squarely on having fun. Urban obstacles are designed in such a way as to get the social runner sweating and smiling while taking in the city’s surrounds” The race, established last year by local sports events company, Zports, raised R40 000 last year and is hoping to increase that to R100 000 this year. Businesses along the route are encouraged to become involved and lend their support to the event. Organisers say Port Elizabeth has set the benchmark for urban runs in South Africa and September’s event . . .
YOUNG ARTISTS DEVELOPED AS EMERGING EXPORTERS A group of Chicago based art buyers have been touring the Eastern Cape in search of talented artists to showcase their artwork at an exhibition at the Guichard art gallery later this year. Andre and Francis Guichard met with local township artists across the region who specialize in fine art ranging from painting, sculpture and beadwork. The aim of the two-week trip, which was initiated and arranged by Tradepoint, has been to expose young local artists to the opportunities offered in the United States art market and to develop them as emerging exporters. 40% of the Chicago population are of African origin and the Guichard are keen to strengthen their linkages back to the continent. “The artwork that we have seen has been above my expectations in terms of quality and diversity”, said Andre Guichard. “The artists use various mediums and themes to capture the social issues in their art pieces which they are using to uplift the Eastern Cape,” said Frances Guichard. Tradepoint identified a need to create an international appreciation for local products to assist export ready businesses and products with export potential for global trade. David Hamer, Manager of Tradepoint SA Nelson Mandela Bay said, “This visit from Chicago is just the tip of the iceberg. Local fine artists produce work of a standard that ranks high on the world stage.Their work is immensely appealing to international buyers and if Tradepoint can facilitate that process, enabling local artists to exhibit their work and by doing so raise the profile of South African art, then it can only bode well for the future in terms of both the art work and international trade.” “Tradepoint enabled us to immerse ourselves in the culture of the Eastern Cape in a way which wouldn’t have been possible if we had plannedthis trip on our own,” said Andre Guichard. “We are looking forward to the reaction of the US audience when they feast their eyes on the . . .
Pier 14 Shopping Centre in Port Elizabeth played host to the final blood drive of National Blood Donor Month last week, under the theme “Every blood donor is a hero”. The drive saw 74 potential donors come forward, which resulted in 52 successful donations and exceeded the South African National Blood Service’s target of 50 units. SANBS public relations practitioner Nina van Wyk said what made the blood drive more remarkable was the fact that over 50 per cent of participants were first-time donors. “Our hope is that they can now be recruited for future blood drives and become regular donors.” According to Van Wyk, the Eastern Cape branch of the SANBS required 3 725 units per month to meet the existing need. “Currently, we are experiencing a blood shortage with only 2.9 days’ stock on hand, while we need at least five days’ stock in reserve.” Van Wyk said the SANBS’s aim was to make blood donation as easy and accessible as possible, which was why the shopping centre was chosen as a suitable venue. “We always experience good support from Pier 14 and look forward to an ongoing partnership.” Sophia Steyn of centre management said blood donation was a vital community service and that Pier 14 was happy to assist in highlighting the work of the SANBS wherever it could. She said those shoppers who gave blood were true heroes. “Donating blood costs you nothing but doing your bit can literally save someone else’s life.” Umhlobo Wenene DJs Amaza Ntshanga and Nonala Tose broadcast their show live from the centre, keeping the public informed with regular updates and encouraging shoppers to get involved. Go to www.facebook.com/Pier14PE to see more photos. For further information, contact Pier 14 centre management on 041 484 1229 or firstname.lastname@example.org. Issued by: Full Stop Communications Coetzee Gouws 041 368 4992 082 575 7991 email@example.com www.fullstopcom.com On behalf of: Pier 14 Shopping Centre More Info: . . .
Raats Family Wines are extending their portfolio of superb wines with the maiden release of the Raats Dolomite Cabernet Franc 2010. This lusty red will be on the shelves of leading restaurants and retailers this month. Widely considered as a Cabernet Franc specialist, winemaker Bruwer Raats continues to be fascinated with this varietal and finds the most perfect vineyard sites to produce the best grapes. For the past decade, Raats has been experimenting with Cabernet Franc and has concluded that the grapes are happier in less fertile soils such as decomposed dolomite granite, which allows the wine to express great purity of fruit and creates an elegant balance. The Raats Dolomite Cabernet Franc is testament to the success of this experiment with a luscious display of succulent red fruits, coupled with a beautifully smoky minerality. “I believe that the Dolomite is a great example of this much under-rated variety and represents great value for money. This wine combines ten years of knowledge and experience with Cabernet Franc and can be enjoyed straight away,” mentions Raats. Wine writer Emile Joubert described it as a great bottle of wine. “What a perky, beaut of a vino from the Duke of Cabernet Franc, Bruwer Raats,” wrote Joubert on his winegoggle blog. Although an extremely versatile wine, Raats recommends the Dolomite Cabernet Franc as a perfect pairing partner for pork loin with a plum and Armagnac sauce, beef fillet with truffle sauce, game bird with red wine sauce or any venison such as springbok, ostrich or kudu. The Raats Dolomite Cabernet Franc 2010 retails from R95.00 and is now available at leading liquor outlets in KwaZulu-Natal and the Western Cape. Find it in Durban at Durban North Spar, Fusion Café, Meander Fine Wines, Park Lane Cellars, The Ridge Spar and MT Edgecombe Tops, in Cape Town at Buratta, & Union, Caroline’s V & A Waterfront, Wine Concepts Kloof Street, Wine @ The Mill and La Colombe (Constantia Uitsig), the . . .
This week, the Property Poser experts bring clarity to the murky issue of joint ownership for a reader who owns an undivided half-share in a property. The reader writes that the building has two separate entrances and that his co-owner rents out “her” side. He would like to know whether he has any claim to the income generated in this manner. There appears to be some animosity between the parties, with the partner asserting her right to his portion and demanding first option to buy at a price she offers should the reader decide to sell his share. The reader would therefore like to know whether he could simply set the price for his portion and, consequently, what would happen should his partner refuse to pay the suggested price. Any type of co-ownership of property can be very problematic in the absence of an agreement stipulating the rights and obligations of each owner, says Willem Luttig from Raubenheimers Inc in George. “In this instance, it may be necessary to point out certain realities.” If the registration documents at the Deeds Office show that the two parties are in fact co-owners, Luttig says this will mean that each owns an undivided half-share in the property. “Then the property is not simply split in half, with one owner on one side and the other partner on the other.” Strictly speaking, it could also mean that the reader may actually have a claim on the rental earned by his co-owner, as she is technically renting out a portion of his undivided half-share, says Luttig. “Of course, the other side of this argument is that his partner is entitled to have a say regarding what the reader does with his share of the property.” On the other hand, it could be argued that the parties have a tacit or unwritten agreement with regard to the use of the property, says Pieter van Rensburg, principal of Chas Everitt in George. “This becomes problematic, however, if a dispute develops and the parties are pressed to prove the terms of this . . .
Mense is diksels onseker hoe om die vervangingswaarde van hul woning te bepaal, skryf die finansiële beplanner Pieter Willem Moolman. Baie dink dis die bedrag waarvoor die bank dit waardeer, waarvoor dit gekoop is of waarvoor jy dit kan verkoop. Jy sit egter die pot ver mis indien jy hierdie as maatstawwe gebruik. Voordat ons kan verstaan hoeveel huiseienaarsversekering benodig word, moet ons eers verstaan wat jou privaatwoning behels. Dit kan byvoorbeeld die huis self, buitegeboue en vaste toebehore, ornamentele strukture en ontspanningsgeriewe insluit. Hou ook plaveisel en ander bedekte areas van baksteen, beton, teer of klip in gedagte. Dan is daar mure, hekpale, hekke (insluitend masjinerie wat daarmee verband hou), satellietskottels, weerligafleiers, vaste kragopwekkers, boorgatmasjinerie vir huishoudelike gebruik asook septiese tenks. Party dink dis net nodig om huiseienaarsversekering te hê terwyl hul verband nog nie afbetaal is nie. Moet egter nie in daai strik trap nie! Indien jou huis sou afbrand, het jy steeds die dekking nodig om dit te kan herbou. Huiseienaarsversekering beskerm dus jou huis as ’n belegging. Onthou, jy benodig genoeg versekering sodat jou huis teen die huidige boukoste herbou kan word. Die koste van die grond moet natuurlik nie ingesluit word nie. Moet ook nie jou herbouingskoste baseer op die bedrag wat jy vir die huis betaal het nie. Die koste wat jy nóú sal moet aangaan om te herbou, sal heel moontlik van die koopprys verskil of waarvoor jy dit kan verkoop. ’n Vinnige manier om die bedrag te bereken waarvoor jy jou huis moet verseker, is om die totale vierkante meter daarvan met die huidige riglyne vir boukoste te maal. Onthou om die riglyne wat in jóú gebied van toepassing is te gebruik. Dis iets waarmee jou versekeringsmakelaar jou sou kon help. Behalwe vir die grootte en boukoste, kan faktore soos die tipe konstruksie- en messelwerk die eindbedrag beïnvloed. Dink ook aan dinge soos dakkonstruksie . . .
The second round of the Investec Night Relay took place on Thursday evening with records tumbling in 3 of the 4 categories. Held at North End Lake in near perfect conditions given the time of year, the race provided the fastest times in the history of this Business Night Relay Series. Leading the charge was the Gamble Pharmacy team breaking their previous course record in the Men's Relay division by just under 2 minutes to record a very fast 1hr 7min 33sec over the 21km distance. The all ladies team Merrell from Medicus Shoes shattered the previous ladies record held by the Rhino Group finishing in a time of 1hr 31min 39sec whilst the mixed running team from naming Sponsors Investec broke the Mixed category record by almost 10 minutes to record a time of 1hr 17min 45sec. Thursday's event was used to create awareness for the ACVV's Kamvalethu Centre which is the only drop-in centre for street children in Nelson Mandela Bay. Situated in Korsten the centre focuses on empowering the children and their families, getting them off the streets and providing the children with food, clothing and the opportunity to wash themselves and their clothing. Participants and friends of the Investec Night Relay Series brought donations for the centre on the evening. The Series still has two more race nights on the last Thursday evening of August and September. Full results from round 2 are available on www.investecnightrelay.co.za with pictures appearing on the Series facebook page. Online entries for Round 3 are possible on the Series website. More Info: http://www.investecnightrelay.co.za Author: Michael Zoetmulder from Zports . Originally distributed by MyPR.co.za. No of Images Uploaded: Two To gain access to Two image/s please Like, Tweet or +1 this article: [l2g] Images: Antonio Seconds finishes strongly for Gamble Pharmacy Photographer: Sport Action Photography Start on Thursday evening Photographer: Sport Action Photography [/l2g] . . .
The Nelson Mandela Bay Stadium precinct will once again be alive with activity on Thursday evening as over 100 business teams take part in the second round of the Investec Night Relay. The event, hosted by the Mandela Bay Development Agency, starts at 6pm from Lakeside and will see walking and running teams tackling the 4.2km laps around the Stadium and North End Lake. Round 2 of the Investec Night Relay series will be creating awareness of the ACVV Kamvalethu Street Work Programme which is the only drop-in centre for street children in Nelson Mandela Bay and is situated just around the corner from the Stadium in Korsten. The centre focuses on empowering the children and their families, getting them off the streets and providing the children with food, clothing and the opportunity to wash themselves and their clothing. On the evening local businesses are urged to support the centre through the donation of food, clothing, toiletries or services. Representatives from the centre will be present at the event to answer any questions which the participating companies may have. All teams will receive a complimentary team photograph with the winners receiving medals and floating trophies. There will be great prizes up for grabs including an iPod Nano, MTN cell phone, jewellery from Havilah and a DSTV drifta from Digicom. The event will start at 18:00 with the lucky draw prizes giving taking place at 20:30. Late entries are accepted at North End Lake from 4pm on Thursday. See www.investecnightrelay.co.za for further information. More Info: http://www.investecnightrelay.co.za Author: Michael Zoetmulder from Zports CC. Originally distributed by MyPR.co.za. No of Images Uploaded: One To gain access to One image/s please Like, Tweet or +1 this article: [l2g] Images: Walkers set off around the North End Lake Photographer: Sport Action Photography [/l2g] . . .