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 . . .
On 15 June 2012 the Minister of Labour issued a revised Code of Good Practice on HIV and AIDS and the World of Work (the Code). The Code amends the Code of Good Practice on Key Aspects of HIV and AIDS and Employment in order to align it to the ILO’s recommendations. According to Melanie Hart, Director in the Employment practice at Cliffe Dekker Hofmeyr, “The primary objective of the Code is to provide guidelines to assist employers to develop workplace policies and programmes eliminating unfair discrimination, promoting access to education and managing HIV and AIDS in the workplace. Hart says that the Code is of wide application and applies to all “workers” as defined, at all workplaces in all sectors of economic activity. We highlight some of the principles set out in the Code which are of relevance to employers. “The Code confirms that no employer may require a worker or applicant for employment to undertake an HIV test in order to ascertain that person’s HIV status. Testing must be with consent and voluntary. Authorisation for mandatory HIV testing of workers must be sought from the Labour Court,” she says. Hart notes that where a worker chooses to disclose his or her HIV status to an employer, such information must be kept confidential. “The Code reiterates that section 15(2)(c) of the Employment Equity Act requires employers to provide reasonable accommodation to workers living with AIDS and HIV. Such reasonable accommodation includes adapting existing facilities and equipment, restructuring jobs and adjusting working time and leave. “Workers with HIV and AIDS must not be unfairly discriminated against in the allocation of employee benefits. Workers with HIV and AIDS must be treated no less favourably than workers with other serious illnesses in terms of benefits, workers’ compensation and reasonable accommodation. “Where a worker is too ill to perform his or her current duties, an employer is obliged to follow the guidelines for . . .
The Minister of Labour has announced an increase in the minimum wages payable to workers in the hospitality and taxi industries. The increases are effective from 1 July 2012. The Minister specifically announced a variation to the Sectoral Determinations applicable to these two industries. According to Johan Botes, Director in the Employment practice at Cliffe Dekker Hofmeyr, “The Sectoral Determination varies certain provisions of the Basic Conditions of Employment Act 75 of 1997 (BCEA) to create legislation that is unique to specific industries. Sectoral Determinations are used by the Minister to ensure that the unique needs and demands of various industries are addressed. The BCEA sets minimum standards of employment applicable to all employees that fall within the scope of this Act, the Sectoral Determinations create unique dispensations for workers falling within industries that have specific demands in relation to working hours, flexible working arrangements or other special needs that warrant a deviation from the norm. Whilst the BCEA does not set minimum wages that apply to all workers, this issue is addressed in Sectoral Determinations that allow the Minister to set minimum wages for industries that may be considered vulnerable or otherwise in need of such minimum standards.” Botes explains that wages for workers in the hospitality industry will increase by 7.4% (reflecting an increase of 6.4% for CPI plus 1 additional per cent). Hospitality workers in workplaces with less than 10 employees, such as small restaurants of boutique Bed and Breakfast establishments, will now be entitled to a minimum monthly wage of no less than R2240, 60 per month. Weekly paid workers in the same establishments will get a minimum of R517.10 and hourly paid workers R11.49 minimum wage. “Employees working for employers with more than 10 employers will earn no less than R2495.80 per month, or R576.00 per week or R12.80 per hour. “Workers in the taxi industry only . . .
The Tracks of Giants team passed the 1700 kilometre milestone on June 01, 2012 at Guma Lagoon in Botswana, which marked one third of the journey successfully completed. The team of ‘Trackers’ includes conservationists, media, a backup team, and various sponsors and supporters who join the core team along the way. One of the aims of Tracks of Giants is to rekindle the rapidly declining indigenous knowledge base of the human-animal interface, and indigenous solutions to conservation challenges and issues. Specialist wilderness guide, photojournalist and naturalist Ian Michler, and medical doctor, psychiatrist, writer and conservationist, Ian McCallum, are two of the core members of the Tracks team. They are undertaking the entire journey without the use of mechanical transportation. In order to track the journey via GPS, the backup team is carrying an elephant collar which is linked to a tracking device. The collar acts as a symbol for the Tracks of Giants journey as well as a valuable part of the backup team’s equipment. It will be donated to Elephants Without Borders at the end of the expedition. The 5000 kilometre, 20 week journey through six countries kicked off in Namibia on May 01, with the core team and Wilderness Leadership School guides travelling on foot through the Skeleton Coast National Park facing temperatures of up to 45 degrees Celsius in the shade. Switching to bicycles at the end of the first leg, the team cycled from Puros to the Botswana border post which was reached on Tuesday, May 29. From the dunes and spectacular desert landscapes of Namibia to the more wooded flora-filled region of western Botswana, the team has encountered wildlife and nature at its most wild. Sightings of desert elephant, oryx and springbok were not uncommon in Namibia, while the Botswana leg has included encounters with hippo and crocodile. Along the way, the team is investigating various examples of corridor and transfrontier park conservation, and are . . .
Having lost to the EP Kings on Tuesday, a green South African Students side will be hoping for a better defensive effort when they take on Namibia in a one-off international rugby test in Windhoek on Saturday. Led by the University of Johannesburg’s Justin Wheeler, the newly assembled SA squad went down 36-19 in their warm-up match in Port Elizabeth. “We put up a solid attacking performance and just need to work a bit more on our defence,” said Wheeler. “They led 14-12 at half-time and it was quite close with 10 minutes to go. Then they got that last-minute try, which made the score-line seem more convincing. “We only had three practice sessions as a unit, but tried to implement some of the basics. I wouldn’t say we were happy with the outcome of the match, but we’ve taken something positive from it.” Wheeler said he felt they had fared particularly well up front against very physical opposition. The 24-year-old loose forward said he expected the second-ranked African side to play a more similar style of rugby to theirs. “I believe they’ll also be looking to play the ball wide. I think it will be a good match and spectators can expect to see running, attractive rugby.” Wheeler, who has turned out for the Lions in the Currie Cup and Super Rugby, said they were confident of getting the win if they could capitalise on every opportunity that came their way. “The guys will be playing their hearts out. Even though we’re a student side, we still have the Springbok on our chest, so we’ll be representing our country and doing our best.” The Transport Economics student said he was looking forward to coming up against fellow UJ players Worsie Kotze and Chrysander Engelbrecht. “They both played for Namibia in the last World Cup, so I’m looking forward to playing against them, knowing what tricks they have up their sleeves.” Team manager Michael “Moby” Dick, who is also from UJ, said South Africa’s northern neighbours were not to be taken . . .
As ek ’n rand gekry het vir elke keer wat iemand ’n stukkie “eenvoudige” beleggingsadvies kom vra het, sou ek seker nie nodig gehad het om nog self beleggings te doen nie. Eintlik is dit ’n eenvoudige versoek, maar mense verwag gewoonlik dat die antwoord ingewikkeld moet wees. Vooraanstaande kenners het immers al dik boeke oor dié onderwerp geskryf. My eenvoudige antwoord kom gewoonlik daarop neer dat ’n mens vroeg moet begin, tydgebonde mikpunte moet stel en moet diversifiseer. Iemand het eendag ’n wyse man gevra wanneer die beste tyd is om ’n boom te plant. Die antwoord was: “Twintig jaar gelede . . . en die naasbeste tyd is nou.” Dieselfde beginsel geld wanneer ’n mens beleggings doen. Maar voordat jy jou portefeulje begin saamstel, moet jy ’n duidelike onderskeid tussen beleggings en spekulasie tref. Ek hoor dikwels mense sê hulle belê in eiendom, maar eintlik is hulle aan ’t spekuleer – ’n neiging wat die afgelope dekade of wat toegeneem het. Party mense koop en verkoop eiendom in die hoop dat hulle gou-gou ’n stewige wins sal maak, maar na regte hoort eiendom in ’n bepaalde bateklas wat, geskiedkundig beskou, ’n bestendige opbrengs oor ’n lang tydperk verskaf. ’n Ander manier waarop ’n mens in eiendom kan belê, is deur genoteerde eiendomsaandele te koop. Dit is ook langtermynbeleggings, met die voordeel dat jou geld in krisistye geredelik beskikbaar is. ’n Bateklas kan beskryf word as ’n stel verwante beleggings met soortgelyke risiko- en opbrengskenmerke. Kontant (geldmark, bankdeposito’s ens) is een bateklas. Daarteenoor kry jy effekte, aandele en, natuurlik, eiendom. Alle bateklasse het soortgelyke risikovlakke en reageer op dieselfde manier op wisselende marktoestande. Wanneer ons van diversifisering praat, verwys ons na verskillende bateklasse, soos hierbo uitgelê. ’n Ander aspek wat in aanmerking geneem moet word, is likiditeit. Met ander woorde: hoe maklik bekombaar is jou geld? Ek het al gehoor mense sê hulle sal ’n . . .
CAPE TOWN JUNE 2012 – Restaurant and food lovers are now able to turn to their phones for assistance in choosing a restaurant, when Eat Out, South Africa’s most definitive and credible restaurant guide, goes live with a smart phone app. Telmap, pioneers in mobile location-based services, will partner with New Media for the integration of its Eat Out brand into the Telmap Mobile Location Companion. Eat Out is accessible via a variety of media channels. At the centre of the brand is the website, supported by a weekly e-newsletter, Twitter, Facebook, Pinterest, an annual glossy magazine and the much-anticipated Eat Out Restaurant Awards held in November of each year. The website lists over 3,500 restaurants in cities and towns in all nine provinces. Users of the Telmap powered Cell C Xplorer can now access Eat Out’s useful and reliable content on Blackberry devices at no cost, with availability on Android devices just around the corner. Eat Out information can either be accessed through a dedicated widget on the home screen of the Cell C Xplorer, on the unique widgets carousel or in the search results, when there are relevant search results coming from the Eat Out database. Restaurants can be searched for by name or food type such as Italian, Indian, Seafood, etc. Once a restaurant is selected, the information provided includes details about the restaurant, including address and professional and/or reader reviews from Eat Out. Users can then initiate a navigation session (drive/walk) to the destination. The Eat Out brand launched in 1998 and is the gold standard of the South African culinary industry. With a heritage in celebrating excellence, Eat Out carries the highest credibility amongst chefs, restaurateurs and the South African food loving public. Eat Out users are keen foodies who are social and enjoy eating out with friends, family or business associates. Partnering Eat Out with Telmap increases the number of platforms on which Eat Out is . . .
HEINEKEN® and MACSTANLEY frontman, Andy Mac, have once again teamed up to bring the iconic music sensation, HEINEKEN® Symphonic Rocks to the South African music scene massive. Following the runaway success of the 2010 and 2011 event, this year’s eagerly anticipated show promises to deliver even more excitement, entertainment and, of course, pure unbridled talent. Ticket sales open this week, offering the first peak at a show-stopping line-up. HEINEKEN® Symphonic Rocks is a world class, cross-genre live music show ranging from rock to pop, adult contemporary, R&B, hip hop, electro and soul, all set against the breath-taking onstage backing of a 65-piece symphonic orchestra. The impressive list of artists this year includes award-winning MiCasa and Zahara, fresh from their successes at the 2012 SAMA’s; Tumi & the Volume, Freshly Ground’s Zolani and Just Jinjer’s Ard Matthews, all of whom wowed audiences at the show last year; as well as the soulful ChianoSky and pop-rock band MACSTANLEY, back on tour after recording their third, soon-to-be-released album. In addition, the 2012 show will also offer unique performances from the multi-award winning Van Coke Cartel and Afrikaans Rock superstars F*ofpolisiekar; electro-pop singing sensation, Toya Delazy; and finally, popular rock hit-makers, aKing. The audience can expect to hear a range of almost 30 hit songs, each painstakingly rearranged by John Walton from the Cape Town Pops Orchestra. Each band or singer will be backed by 22 violins, 8 violas, 6 cellos, 4 double bases and a harp, and that’s just the string section! Also on stage will be full woodwind, brass and percussion sections. Mac had spent six years working on the concept for the show which became a reality in 2010 when HEINEKEN® came on board. “HEINEKEN® Symphonic Rocks is a marriage between current cutting-edge music and the incredible pitch perfect depth and richness of a traditional orchestra. The collaboration produces an intensity of . . .
They are all-round nice guys who love to surf. They have also sold millions of records; are known for their incredible energetic live performances during their sold-out shows and are one of the biggest rock bands around. Now, for the first time, South Africans can see the Grammy-Award winning band SWITCHFOOT live on their VICE VERSES SA TOUR. The rock band from San Diego will be taking to the stage on August 8 at The Big Top Arena, Carnival City in Johannesburg and on August 11 at the Grand Arena, GrandWest in Cape Town. Switchfoot formed in 1994 when Jon Foreman (lead vocals, guitar) and his brother Tim (bass guitar, backing vocals) put their high school friends together - including Chad Butler (drums, percussion), Jerome Fontamillas (guitar, keyboards, backing vocals), and Drew Shirley (guitar, backing vocals). Nine albums over a decade later, they have achieved multi-platinum status, having sold over 4.4million albums and 3 million concert tickets worldwide and a Grammy Award and have a massive worldwide fan base (they currently have over 1.8million Facebook fans and over 229,000 followers on Twitter). The band has had 3 consecutive Top 10 hits on Modern Rock Radio. Their song “Vice Verses” debuted at #8 on Top 200 Billboard Charts and #5 on iTunes Top 200 Charts. Music from VICE VERSES has already been included in movie trailers and soundtracks - In Time (Ft. Justin Timberlake) and Hawaii 5-0 Soundtrack “Out of Control”. Their album ‘The Beautiful Letdown” was RIAA certified 3 X Platinum. The band has previously toured with the likes of “Dave Matthews Band”, “3 Doors Down”, “Goo Goo Dolls” and many more. SWITCHFOOT’S music has also appeared in “The Chronicles of Narnia - Prince Caspian”, “American Idol”, “A Walk to Remember”, “Life of Ryan”, “CSI Miami”, “Grey’s Anatomy”, “The Vampire Diaries”, “Dawson’s Creek”, “One Tree Hill” and the smash-hit “Spiderman 2”. With its play on words, Vice Verses, the title of Switchfoot’s new album, coherently . . .
This week our Property Poser experts consider questions from two readers about the rights of tenants in relation to their landlords. The first question comes from a tenant whose landlord has recently passed away. The property has been placed on the market and he wishes to know what his rights are as far as the agent putting up a “for sale” sign and bringing in potential buyers goes. The second issue relates to a long-term tenant of a rental property, who would like to know whether it would be possible to purchase it from the owner. According to the first tenant, there have been times that he has legitimately been unavailable to grant access to the property. The agent, however, portrayed the situation to the relatives of the deceased that he is simply never available and refuses access. The relatives responded with an e-mail demanding that the reader make himself available or leave the keys for the agent. The tenant is concerned about his right to privacy and would like to know how much notice he must be given before the buyers are brought around for a viewing. He also wishes to know whether he has to display a “for sale” notice on the property. This eventuality is often provided for in the lease agreement, but the reader has not mentioned what provisions exist between himself and his landlord, says Charlotte Vermaak from Chas Everitt in Port Elizabeth. “As much as a tenant’s rights to privacy are protected, the landlord, or a representative agent, has the right to gain reasonable access to the property in order to show potential buyers around.” Vermaak says the tenant therefore has to be fair in this regard and grant such access. “Similarly, the agent’s demands for access must also be reasonable.” For example, it would not be reasonable to arrange for five different viewings at five different times on one day and merely expect the tenant to be there, says Vermaak. “Likewise, it is arguably reasonable for the tenant to permit a ‘for . . .