If you are looking to sell your property in the New Year, December is the perfect time to start preparing, says Debbie Justus-Ferns, manager of Renprop Residential Resales. “There are so many things that homeowners who are looking to sell their property need to take into account and plan for, which is why being prepared is essential,” she says. Justus-Ferns provides would-be sellers with five key areas to think about and plan for in the months ahead: 1. See the big picture Sellers need to forget that they are sellers and view their home from a buyer’s perspective. “This requires a critical eye,” says Justus-Ferns, who notes that sellers must look at what strong features their home has and determine which ones they would like to accentuate to create a good impression. “Sellers must feel like they would want to buy their own home back,” she says. 2. Knowledge is key Due diligence is always advised when buying or selling a home and potential sellers should research the estate agents who work in their area before making contact for a valuation or signing a mandate, says Justus-Ferns. Sellers need to be confident that the estate agent they appoint is professional and will be able to achieve the best possible price the market will pay for their home in the least amount of time. “Estate agents who cut their commission are not professional,” she says. “If they cannot negotiate their commission, how can they negotiate the best possible price for your home?” she asks. It is the seller who appoints the transferring attorney and should therefore also research which conveyancing attorneys they think would be the best candidates to work on the transfer of their property. 3. Master your money matters It cannot be emphasised enough that sellers must consider a market-related price. “Pricing a property should not be an emotional decision, but a purely financial one. Sellers undoubtedly have an emotional attachment to their home, which is why it is often . . .
While it may never have been your intention to become a landlord and rent out your home, there are certain situations where the need may arise, especially if the goal is to hold on to the property and not sell it, says Adrian Goslett, CEO of RE/MAX of Southern Africa. He notes that these situations could include relocating for work or dealing with some financial issues that may have come to light. “Whatever the reason, renting out your home has both its advantages and disadvantages, but depending on the circumstances it could work to your overall benefit,” says Goslett. Advantages of renting out your home: 1. A double house payment will be eliminated The money received as rental income can be used to pay the bond repayment and other expenses related to the home. This is provided of course that the rental income is enough to cover these costs, but even if it doesn’t, the rental income will provide some financial relief to a homeowner who needs to pay for a bond and possibly a rental on another property as well. 2. Sometimes it’s better to have someone in the property If no-one is staying in the property, the house could become a target for thieves, vandals or squatters. This is more likely if the owner has relocated to another city or province and is unable to keep an eye on the property on a regular basis. If the property is occupied by a tenant, the risk of anything like this happening is largely mitigated. The right tenant could also assist with maintaining the property. 3. The tenant could be the future buyer of the property In the case where the owner wants to sell their property, there is always the possibility that the tenant may decide to purchase it. The tenant may have been renting while they were saving for a deposit or to cover other costs associated with a property transaction, and could be the ideal buyer. The rental deposit could also be used as part of the purchase deposit. Disadvantages of renting your property: While there are . . .
Techno Brain Ranked 2nd Fastest Growing Technology Company on the Deloitte Technology Africa Fast 50 2014 Techno Brain is only East African firm in top five. Company attributes its 621 percent revenue growth to quality focus, home-grown solutions and talent. On 29 November, Deloitte officially released the Deloitte Technology Africa Fast 50 2014, ranking Techno Brain 2nd in the 50 fastest growing technology companies in Africa. Rankings are based on percentage revenue growth over five years. Techno Brain has shown an impressive growth of 621 percent during this period. Techno Brain’s Group CEO, Manoj Shanker credits the company's "For Africa, By Africa, In Africa" approach to technology, and investments in human resource development, as the reasons behind the phenomenal growth rate of 621 percent over the past five years. He said, "We've always believed in Africa. We believe world class IT solutions can be created here by Africans, and we've shown it to the world now. That’s the reason why we are able to deliver great value to our clients, uphold the highest standards of quality, and grow at this unbelievable pace." He added, "The people of Techno Brain lie at the very foundation of its success. This victory is completely theirs. We will continue our focus on empowering people and nurturing young African talent. This recognition is another step towards achieving our goal of becoming the most recognized and most valued African IT brand in the world." The Deloitte Technology Fast 50 Africa programme is the region’s most objective industry-ranking to focus on the technology field, recognizing technology companies that have achieved the fastest rates of revenue growth in Africa during the past five years. “Making the Deloitte Technology Fast 50 Africa ranking is a testament to Techno Brain’s commitment to technology,” said Kamal Ramsingh, Deloitte Africa Technology Leader and partner in charge of the Deloitte Technology Fast 50 Africa programme. He . . .
The festive season is the season for giving, while spending time with family, enjoying ample entertainment and receiving gifts galore. The sad thing is that there are so many children who will not be receiving gifts or love this festive season. In the spirit of generosity and the fact that children are such a huge focus of the Spur Group, Spur Foundation is coordinating a national toy collection drive to put a smile on some underprivileged children’s faces. Between 1 December 2014 and 16 January 2015 collection boxes for new and pre-loved toys will be available at all Spur, John Dory’s and Panarottis restaurants countrywide. These boxes will be allocated to a Spur Foundation beneficiary per province. The beneficiaries are: Gauteng * ASHA Trust: A South African NGO that establishes and supports formal and home-based early childhood centres in economically challenged communities by providing daily pre-school care, meals and educational stimulation for less-fortunate children aged 2–6. Western Cape: *Durbanville Children’s Home: A home providing a safe haven for children who have suffered from physical and emotional abuse. * Umnqophiso Pre-primary: A nursery school and aftercare centre in the disadvantaged community of Lwandle in the Strand. * House of Grace: Place of safety for abandoned and abused children who have been through tremendous hardship and previous neglect. KwaZulu-Natal: *Durban Children’s Home: A home providing love, care and shelter to abandoned, neglected and orphaned children throughout KwaZulu-Natal since 1905. Free State: * Botshelo Centre: A centre aimed to prevent HIV infection and distribute information relating to HIV/Aids. Eastern Cape: * Inn Safe Hands: A safe-house and foster home that cares for vulnerable children brought to us from abused, abandoned or molestation backgrounds. Spur Foundation runs this campaign on an annual basis, due to their commitment to the welfare of children in South Africa. The Toy Drive, . . .
Investing in a residency or citizenship programme is a big decision that also requires a substantial financial investment. “Investors into these programmes need to fully understand what they are buying into and what is required of them before making any kind of commitment,” says James Bowling, CEO of Monarch&Co, a company that facilitates global investment and citizenship programmes around the world. Bowling admits that there are so many elements to take into consideration when looking at a residency or citizenship programme it can be quite overwhelming. Here, he addresses the top five frequently asked questions regarding residency and citizenship by investment programmes: FAQ 1: What are the main advantages of a residency or citizenship? Residency or citizenship allows an immigrant to live, work and study in the country into which they invest. Residents and citizens will also have access to some of the country’s health and education facilities. One of the greatest advantages of investing into a residency or citizenship programme is that applicants don't have to emigrate to enjoy the lifestyle and financial benefits such as the travel benefits offered by some of the destinations. Bowling also points out that by gaining a second residence or citizenship, investors are also able to enjoy huge tax breaks. “The extent of these benefits would depend on the new jurisdiction’s offering and incentives as well as where the client makes their primary tax residence. The purposes of this planning could be either personal or corporate or both,” he says. Some investors are also attracted to residency and citizenship programmes for the opportunity to improve their lifestyles through better access to basic services such as health and education as well as more select criteria such as sporting facilities, natural environment etc. FAQ 2: What is the difference between residency and citizenship? Permanent residency means that the investor is allowed to reside for . . .
The 7th edition of the Johannesburg International Mozart Festival will run from 24 January to 8 February 2015. This year’s theme, Masquerade, will see a variety of concerts, workshops, master-classes and collaborations which explore the phenomenon of masks and disguises as well as artistic and human identities in a wider sense. Featuring world renowned artists and ensembles, including Sir James Galway, Melvyn Tan and the Zurich Chamber Orchestra, the JIMF also provides a platform for a number of interdisciplinary projects incorporating dance, film and visual arts; and specifically placing great emphasis on educational initiatives for young South African musicians. As part of the 2015 Johannesburg International Mozart Festival, The Goethe-Institut supports a multidisciplinary collaboration between three emerging young South African Composers and photographer-artist, Lebohang Kganye. Composers Antoni Schonken, Matthew Dennis and Diale Peter-Daniel Mabitsela were each invited to conceptualise and create a new composition in response to Kganye’s photography series entitled Ke Lefa Laka. Curator Mika Conradie, composer-in-residence for the 2015 JIMF, Peter Klatzow, and Jeanne Zaidel-Rudolph were tasked with facilitating the collaborations between composers and photographer, and to guide this process towards the presentation of the 3 new performances, which will consist of live musical performances by a Quintet Ensemble and projected photographic material. The performances will be presented at the Goethe-Institut on 31 January 2015 as part of the 2015 Johannesburg International Mozart Festival. The performances will be followed by a panel discussion with the photographer and the composers. Goethe Gallery and Auditorium address: 119 Jan Smuts Avenue, Parkwood Admission: Free For programming and booking details, see www.join-mozart-festival.org NOTES TO EDITORS About the JIMF Originally organised in 2006 in commemoration of Wolfgang Amadeus Mozart’s 250th . . .
Opening the season on Saturday 20 December is the enormously popular Delft Big Band. In five short years this band has proved that when given a chance young people from disadvantaged communities can reach great heights. From never handling an instrument or reading music the achievements are nothing short of phenomenal. In 2013 the band toured France at the invitation of the French Government, and performed to standing ovations wherever they appeared. Since then two tours of Sweden, performances at the Liverpool Brouhaha Festival, Edinburgh Jazz and Blues Festival and for Prince Charles and Camilla, to whom they were personally introduced, has seen them embraced the world over. Under the dedicated tutelage of much loved professional musician and trumpeter, Ian Smith, this musical miracle has been achieved. In terms of musical excellence, the band is truly astounding. It is not just an enthusiastic bunch of youngsters playing well-known charts. It is a driving, pitch perfect big band, that can hold its own on any platform. This is proof positive of the enthusiasm and dedication of the band members. It is a story of success with several of the musicians taking up the profession as performers and teachers, scholarships to overseas institutions have been awarded and some have enrolled at the UCT College of Music to further their musical studies. Go to www.delftbigband.co.za. • Delft Big Band Saturday 20 December 2014 • Adults – R80 / Youth (age 6 to 18) – R40 / Children under 6 years enter for free • Gates open to concert goers at 18h00, Concerts start at 19h00 – gates close at 21h30 • How to book: Phone 028 272 9311 and bring ID for verification or buy tickets ahead of time at the Harold Porter National Botanical Garden entrance. Author: Charlene Key from HIPPO Communications.com. More Info link: http://http://www.sanbi.org/events Images: For high res version/s of One image/s please contact: HIPPO Communications.com. CLICK HERE to submit your press . . .
Infiniti Insurance is pleased to welcome Clive Sparks to their now growing team of experts. Clive heads up the new Infiniti Guarantees division to provide construction guarantees, a new venture for Infiniti Insurance. Clive comes with a wealth of experience and knowledge. He worked in the banking industry for 19 years before diversifying into Insurance in 2002. His progress in this sector saw him successfully launch and head up the Guarantee divisions of two major Insurance companies. His approach of fair treatment and high principles, coupled with innovative, yet conservative underwriting and tailor made products has been, and will continue to be, a winning combination for successfully meeting his high caliber clients’ needs. The introduction of the Infiniti Guarantees division complements Infiniti Insurance’s growing and diverse product offering, not least of which is the recently launched General, Environmental and Specialist Liability division of RisQ. For more information please contact Laura Hallam Infiniti Insurance 0845755127 or www.infinitiafrica.com Author: Laura Hallam from Infiniti Insurance. More Info link: Twitter: https://twitter.com/Infinitiafrica Facebook: https://facebook.com/Infinitiafrica Images: For high res version/s of One image/s please contact: Infiniti Insurance. Clive Sparks joins Infiniti Insurance CLICK HERE to submit your press release to MyPR.co.za. . . .
The traditional December shut down adds another layer of stress to the process of the average property transaction. With most Deeds Offices closing for the holidays, this is the most frantic period of the year for conveyancers and others involved in the process of property transfers, as pressure mounts to ensure that registrations take place before the holiday shutdown. Transfers not lodged in the Deeds Office by Wednesday 3 December 2014 run the risk of being pushed out to January for registration. For agents and sellers waiting for commission or sale proceeds - and who had hoped to be paid their dues before the holiday break – a delay at the Deeds Office could signal a very gloomy Christmas. There are ways to mitigate the financial impact of delayed transfers, which, while relatively new to South Africa, are increasingly welcomed by estate agents and property owners. Niche financier Combined Finance Holdings has seen a fourfold increase in applications for property bridging finance in the last year. By bridging estate agents’ commissions, the proceeds from property sales, rates and taxes, transfer duties, and bond proceeds, bridging finance provides speedy and immediate access to funds that are only due at the date of transfer. Property bridging finance provides a short-term cashflow solution for property transactions. Where a client has a property transaction which has not been registered in the Deeds Office, the bridging financier releases a portion of the funds which would be available on registration of transfer (up to 80%, in Combined Finance’s case) from property transactions against an undertaking for payment by the conveyancer. This often reduces the risk of the transactions failing due to financial shortfalls, points out MD of Combined Finance, Renier Kriek. “The bridging transaction is effectively the purchase of the future proceeds due from a sale, new bond finance or estate agents’ commission. It requires a written undertaking - from the . . .
On the dawn of Youth Dynamix’s 15th year anniversary next month, we reflect on how the youth market has transformed in this short space of time and how marketers have had to adapt to survive. There’s no doubt, the marketing of goods and services have undergone a profound transformation over the past 15 years. Regulatory advances, new technologies and increasingly open global markets have all played their part in changing how the youth react and interact with products and services. The information conundrum…. Children and young adults are more significant forces in the marketplace now. But, while new technologies offer more access to information overall, many young consumers today lack the necessary skills to cope with the increasingly complex, information-intensive marketplaces they’re faced with. With many companies struggling to differentiate themselves in a highly competitive open market, they’re forced to bundle related products and offerings, making it difficult for consumers to compare them. As a result, young consumers have had to learn more about markets in order to make good decisions. “Show me, don’t tell me” The youth’s ability and willingness to trade with a company depends on their level of confidence in it. That’s why it’s so important you don’t ignore brand activations. There are very few marketing activities as powerful as brand activations. This because they involve experiential, interactive, emotive and sustainable involvements with the brand. Overall, brand activations offer a more holistic view of the product and allow for an emotive connection with the brand – you cannot offer using new technologies alone. Be sure to get the most out of your budget… All engagement and communication campaigns developed by Youth Dynamix (YDx) include an element of measurability. This gives you the assurance that you’ve met your ROI and have made a relevant impact in the market. YDx is a youth & family specialist research and . . .