Debt is such a familiar topic these days that you may feel: “Ah, same old talks, what on earth can be done about it?” Well, a little bit of introspection cannot hurt. If you look at increases and fuel or grocery prices – everything is continually snowballing. Many of these upsurges are intertwined and you can surely feel it in your pocket these days. What’s more – you consider extra credit or loans as a solution to service all your agreements. Sound familiar? The National Credit Regulator (NCR) highlights that there are almost ten million consumers with impaired credit records. What a staggering amount of people. Are you one of them? If so, what are you currently enduring to keep your financials afloat? If not, are you sure that you will continue to keep up with your bills in future? DebtSafe shares two fictional examples (that you may associate with) as well as a few recommended solutions to assist you in turning your debt around: Fictional Case Study #1 Mrs Naidoo has been living in one of South Africa's big cities for a few years… Originally from a small town where everybody knows everybody, it was quite the adjustment at first but she has settled in nicely. Sadly, living costs are no joke, and with a struggling economy, Mrs Naidoo has found herself unable to afford her debt – like so many South Africans (and perhaps you can associate with her situation). So, she fell behind on her credit card debt (R 4 344 instalment amount), clothing account (R 1 481 instalment amount) and furniture account (R 703 instalment amount). It has become hard to keep track of all the repayments, and with her credit record looking less than ideal she won’t qualify for a consolidation loan. Possible considerations / solutions: If you are finding yourself in the same boat as Mrs Naidoo, here is what you can do: • Prioritise your monthly debt repayments Don’t unnerve yourself any further about falling behind with your repayments. Take a deep breath and . . .
Lady Zamar, 2018 SAMA Award-winner for Best Dance Album, will provide Joburg East with an opportunity to dance their socks off on Wednesday, 8 August at the Birchwood Hotel in Boksburg. Joining Lady Zamar are Afro-Jazz songstress, Nokukhanya Dlamini, comedienne Celeste Ntuli and the Music Academy of Gauteng Orchestra in the August edition of the Birchwood Comes Alive Jazz Evenings. Pretoria-based House Music artist, Lady Zamar, will headline the evening with her sensational hits inspired by everyday life and aimed at promoting positive change in the world. Putting her stamp on SA’s dance music scene, she has performed at the 2018 Miss SA Pageant and won Song of the Year at the DSTV Mzansi Viewers’ Choice Awards. Versatile Jazz songstress, Nokukhanya Dlamini, will take to the Birchwood stage with her broad style of music; including Jazz, Afro-Jazz, traditional music and Soul. Having grown up in Empangeni, KwaZulu-Natal, Dlamini was first noticed as a member of a Gospel group that predominantly sang at weddings, has since had a long solo career and her albums have received plenty of airplay. Opening the evening is the Music Academy of Gauteng Jazz Orchestra, a community-based NGO focused on musical education for youth from disadvantaged families and informal settlements, with a tribute to the late John Mekoa, legendary trumpeter and Jazz educator. Joining hilarious MC, Hector Motivator, is stand up comedienne, Celeste Ntuli, whose career began as a contestant in SABC’s “So You Think You’re Funny”. Since then, she has been making waves in a male-dominated comedy industry with the Mbokodo Award for Best Comedienne in 2015, a nominee in the SA Comics Choice Awards for 2015 and 2016, and a nominee in the Favourite Comedian category in the 2016 YOU Spectacular Awards. Get your dancing shoes on for a talented line-up of performers, a three-course dinner and plenty of laughter with friends and family! Book your seats for the Birchwood Comes Alive Jazz Evening on . . .
Recovery Direct is one of the most exclusive psychological and addiction treatment centres in South Africa. Nestling in a quiet Constantia road, flanked by rolling vineyards, ancient oaks and the breath-taking grandeur of the Constantiaberg mountains, the centre offers a perfect and tranquil environment for recovery. Stunning multi-functional suites, each decked out in Victorian colonial style with en-suite bathrooms, balconies and panoramic views, offer outstanding accommodation for guests who want an upmarket and comfortable rehab experience. Recovery Direct was founded by Vaughan Pankhurst, who recognised the need for a novel approach to addiction treatment after he had successfully completed his own nine-year own journey into long-term recovery. Vaughan realised early on that trauma lies at the heart of addiction, and his centre is unique in that it consciously addresses the underlying traumatic issues on which addiction feeds. As such, it challenges the stigmas surrounding addiction and substance use by focusing its treatment approach around the belief that the effects of trauma lead people to become addicts. This approach contrasts with other rehabilitation centres in that Recovery Direct does not follow a 12-step programme in its treatment methodology. This non-punitive approach is intentional – it enables the centre and its healthcare workers to focus on resolving clients ‘problems by addressing the trauma and pain that drove them to addiction. It also carefully dismantles the destructive forces driving their addictions. Patients are required to see their counsellors every day, as opposed to once or twice a week. This regularity fast-tracks the healing process and enables recovery goals to be achieved sooner. The centre is eco-friendly and environmentally conscious – electricity is produced by energy-efficient solar panels, and water is provided by a natural spring. The exclusive rehab treats a wide spectrum of conditions, from alcoholism, . . .
Brackenhurst resident, Bianca Ackhurst (22) was admitted to Netcare Clinton Hospital Intensive Care Unit in Alberton after experiencing flu-like symptoms and “Tingling” in her fingers and toes on the 3rd of July. In a few short days, Bianca went from the bubbly and energetic personality her family and friends know and love, to being completely paralyzed, relying on a ventilator to breathe. After close examination by Dr Adri Kock, Bianca was diagnosed with Guillain-Barré syndrome, an extremely rare and serious autoimmune disorder which attacks healthy nerve cells in the peripheral nervous system. The incurable syndrome affects 1 in 100 000 individuals, while there is no known cure, doctors say the severity of the symptoms can be reduced through extensive physiotherapy and special treatment called Polygam and plasma. Centers for Disease Control and Prevention (CDC) suggests that the disorder may be triggered by an improper immune response to previous illnesses such as diarrhea or a respiratory infection. Without medical aid, Bianca’s hospitalisation has already amounted close to R300 000. She has since been transferred to the Chris Hani Baragwanath hospital, a government institution, where she remains in I.C.U. on a ventilator. Once released from I.C.U she will be transferred to their neurological department and then begin extensive physical rehabilitation. “We as a family are absolutely shocked and devastated at the speed at which and the way this illness has affected our daughter, it breaks our hearts to see her laying unable to move or talk when just 2 weeks ago she was perfectly healthy” - says Bianca’s father, Jeff Ackhurst. To help cover outstanding medical costs and ongoing treatment (costs of which are unknown at this point), the family has created a campaign on donations based crowdfunding platform, BackaBuddy to appeal to the public to support Bianca’s recovery. The campaign went live on the 6th of July and has thus far raised R72 . . .
Do you have any idea what your credit record is reflecting? You might be under the impression that everything is A-Okay on your credit profile. But, what you don’t realise is, that it might have a few bumps and bruises already. Don’t you think it is about time to get, and keep, your score in check? “How on earth am I going to set the record straight again?” you may ask. According to Matthys Potgieter, spokesperson and debt expert at DebtSafe, you have to know what is going on with your credit profile to improve it or keep it in a ‘good/healthy condition’. As a start - you can download your free credit profile each year at various credit bureaus: TransUnion, XDS or Experian (to name but a few). On top of this, Potgieter also recommends four important things that you have to take into account to keep your credit score in check: 1. DEBT PAYMENTS / OBLIGATIONS: The debt cycle is very real – take a look at recent statistics provided by the National Credit Regulator (also known as the NCR). Perhaps you are in the same boat as many other consumers who borrow too much money which cannot be paid back in a time? Your credit score can look disastrous if you don’t take care of all your debt obligations. Don’t skip payments, rather make payments in a timely manner and try to pay off more than your debt amount requires (where you can). And, for future reference: don’t spend what you don’t earn and avoid superfluous credit agreements / accounts. 2. BUDGET: Since missing payments can affect your credit record, it is always best to start off by budgeting properly for each month. If you don’t have a budget that is ‘within reach’ / visible, you won’t have your bigger financial picture in mind. You can make use of a budget phone app, use plain old fashioned pen and paper or have an Excel sheet saved on your desktop. 3. SHORT- / MEDIUM- / LONG-TERM FINANCIAL GOALS: Apart from your budget, without financial goals, you are surely going nowhere getting your credit score sorted . . .
GAUTENG, PRETORIA - WARRIOR OCR events burst onto the scene in 2013, immediately spearheading the meteoric rise of obstacle course racing (OCR) in South Africa. Today, Toyota Warrior, powered by Reebok, remains at the forefront of OCR South Africa with world-class obstacles, innovative courses and over 4000 athletes competing, including many of the country’s top OCR competitors, who push their mental and physical limits with the aim to reach the pinnacle in their sport, to gain respect and recognition, to take them onto the world stage. In support of the continued growth of the South African OCR community, Advendurance and Toyota Warrior have created an athlete programme, providing a platform for athletes to grow and develop to their full potential. Thomas van Tonder is arguably one of South Africa’s top OCR athletes and a household name in the South African and International OCR community, so it is no surprise that Toyota Warrior have selected him as their first Warrior Brand Ambassador. Thomas started racing OCR in 2014. He took up training with Warrior Fit Coaching on an OCR specific programme, which led him to straight victories back to back. It was clear that OCR was his sport and he has never looked back. Max Cluer, founder/manager of Jeep Team South Africa, spotted van Tonder’s talent early on and invited him to join the Jeep Team. Van Tonder became teammates with the likes of paddling legend, ten-times World Marathon Champion, Hank McGregor, trail running champion, Christiaan Greyling, and World Multisport Champion, Robyn Owen. Fast forward to 2018, and van Tonder’s pedigree is clear to see. Competing at the highest level in OCR for four years, his scoresheet is impressive and consistent. Amongst many other wins, van Tonder has won 16 Warrior Black Ops Elite titles, placed second in 18 races and one third place. He won the National Championship and Series Championship in 2016 and was runner up in 2017. Van Tonder has also won all 14 of the . . .
Help your customers understand why workplace noise affects productivity and profitability. And how they can fix it. Today, work happens everywhere — in busy open-plan offices and contact centers, at home, even coffee shops. This flexibility is great for business and people, but with it comes a new challenge: noise. Distraction caused by noise reduces productivity and well-being and, in contact centers, detracts from a positive customer experience. Studies show that it takes 23 minutes to recover from distraction, and over 58% of employees are distracted multiple times each day. That represents a significant impact on your customers’ businesses you can easily help avert through proven noise reduction strategies and products. Plantronics engineers solutions that help people manage the noise around them so they can be more effective — no matter where they work. Together, we can help your customers reduce distractions caused by noise so their businesses can thrive. Plantronics in South Africa offers several solutions for managing noise. This week we focus on the Voyager 6200 UC, a Bluetooth® neckband headset with earbuds that offers professional-grade audio and versatility. On any given day, you might need to collaborate with colleagues remotely, field calls from customers or listen to music to help you focus on your latest project. Now there’s a headset that’s flexible enough to meet the demands of your role inside the office and out. Voyager 6200 UC offers everything you’d expect from Plantronics — active-noise canceling, clear voice transmission and premium audio — in a versatile Bluetooth® neckband headset with earbuds. Intuitive controls make it easy to use, and the neckband vibrates to signal an incoming call. Voyager 6200 UC is so comfortable and low-profile that you can use it all day long, in the office and on the go. IT Managers The professionals in your organization have different roles, responsibilities and work styles, so why offer them . . .
“Internationally, women have huge purchasing power – amounting to an estimated US$20 trillion in annual consumer spending, which is the equivalent of R275.5 trillion in local currency. Since the advent of democracy in South Africa, we are seeing the number of women in more senior positions growing and with this comes increased spending power. “This is not, however, a necessary qualifier for a woman to influence the health and wellbeing of her family, friends and community. At Resolution Health, 43 percent of our principal members are women, however they are also influential when it comes to healthcare and related matters by virtue of their relationships – even in cases where they are not directly paying for it themselves,” says Khomot?o Mashalane, head of strategic relations and human resources at Resolution Health Medical Scheme. She added that the potential for women to positively impact the health of others is not necessarily dictated by their personal financial means. “The lion’s share of caring for children and family members often rests with women, who are also key influencers of their social circles and wider community networks. When it comes to the healthcare needs of a family, women frequently take an active role in decision-making and share their knowledge to empower others. “As women are traditionally the primary care givers in a family, they are usually consulted before decisions are made about with the family’s healthcare – it is therefore not surprising that women are commonly regarded as custodians of family health. “Women are often the ones who take the time to read all the fine print, weighing up the various medical scheme benefit options to decide which offers the most relevant value for their family’s particular healthcare needs. This attention to detail helps to ensure that the principal member makes an informed choice when it comes to selecting healthcare cover.” Khomot?o points out that women are also at the centre of many . . .
In this Flux Trends presentation, we explore the intersection of (human) consumer mindsets, exponential AI technology and unpack the resulting opportunities and threats to the status quo. This presentation is designed for marketers, advertisers, HR managers and entrepreneurs – in short anyone who is interested in the near future of the human race, and how machines and AI are set to change the way we live and work together. JHB Open Session information: Transhumanism – How to train your cyborg to join your workforce by Bronwyn Williams – Johannesburg Time: 16h30 (Registration opens at 16h00) Date: Wednesday, 1st August 2018 Cost: R378.00 per person A student rate of R278.00will be offered to students with a valid student card. Price includes the 1% increase in VAT as of 1 April from 14% to 15% Venue: Protea Hotel by Marriott Johannesburg Wanderers Address: Corner, Rudd Road, and, Corlett Dr,, Illovo, Johannesburg, Gauteng, 2196, South Africa Presented by Bronwyn Williams CLICK HERE to submit your press release to MyPR.co.za. . . .
Dynamic Vision Fourways Mall Optometrists offered free vision screenings in celebration of Youth Day that took place on Saturday, the 16th of June 2018. They offered screenings during Youth Week to high school students in the area. Anjana Mahadeo, Owner and Optometrist at Dynamic Vision Fourways Mall Optometrist says they offered these screenings during the week building up to Youth Day to give young adults in the area the opportunity to become aware of the importance of eye care and to celebrate their youth. “Youth Day has become an opportunity to address the needs of young South Africans and to shine light on better conditions for this group who plays a significant role in the country’s future.” “Eye care is directly related to overall performance academically and on the sports field and the sooner eye disorders are picked the less damage can be expected in adulthood.” “We want to urge our young people to make eye health a priority, educate themselves on the topic and to go for regular check-ups. To pick up on eye-health disorders in time, visit an optometrist at least every 12 months,” concludes Mahadeo. For more information on general eye care, please visit the Dynamic Vision Fourways Mall Optometrist website on http://www.dv-fourwaysmall.co.za CLICK HERE to submit your press release to MyPR.co.za. . . .