“Many consumers don’t necessarily know the difference between a consolidation loan and consolidating debt through debt review,” says Matthys Potgieter, spokesperson and debt expert at DebtSafe. When individuals hear ‘consolidating debt’ many automatically assume it refers to a ‘debt consolidation loan’ and that is why DebtSafe wants to set the record straight. Potgieter sheds light on both concepts and encourages over-indebted consumers to make an insightful and educated choice to get rid of their debt. What is a Consolidation Loan? A consolidation loan is a credit agreement that is offered to a consumer with the idea to settle existing (usually unsecured) debt like a personal loan, store credit or a credit card. Taking the several outstanding debts and consolidating them into one single loan. Who can apply for a Consolidation Loan? First of all, the criterion is very high for a consumer to be approved for a consolidation loan. The consumer considering a consolidation loan has to be a so-called ‘A+ student’ that manages his or her debt well. This is confirmed via the strict affordability check. The consumer needs to be in a position to pay off the consolidation loan as well as his/her other debt instalments. Thus, over-indebted consumers that are in arrears with payments or unable to afford their current debt repayments, will not qualify for a consolidation loan. What are the necessary good-to-knows of a Consolidation Loan? Consumers have to keep up with high-interest rates and admin fees. Consumers don’t always save on the monthly payment. Loan terms are usually long. The term depends on the loan amount. It is a short-term fix and not a sustainable solution in the long run. A consumer can be in a worse-off position because of a consolidation loan. By not using the loan for existing debts, the consumer’s debt increases as many credit providers opt to pay the funds into the consumer’s account rather than settling the accounts listed . . .
Something brand new is about to shake up the South African world of obstacle course racing (OCR). The Multiply Adventure Challenge, in partnership with the Warrior Race, is the first of its kind to appeal to sports fanatics, gym enthusiasts and non-athletic adventurous spirits alike. The challenge is simple: conquer the same number of obstacles as the Warrior Race, but in only two kilometres. Think all the excitement of the popular OCR series, but in a new and compressed way! Multiply encourages South Africans to pursue the fullest, healthiest and most active lifestyle that they possibly can… and obstacle course racing gives them the perfect platform to do that. That’s why they have teamed up with The Warrior Company to host the ideal family-friendly adventure. “Family-orientated events are important to us and we want people to know that,” says Zureida Ebrahim, CEO of Multiply. “This is an incredible opportunity to do something exciting with the people you love.” With three categories on offer, the Multiply Adventure Challenge caters for the individual – ‘Extremist’, with 30 physically-demanding obstacles; ‘Brave’, 22 challenging obstacles; and ‘Apprentice’, 15 obstacles for those new to OCR. “The two-kilometre route will be nothing short of spectating heaven,” says Hennie Scheepers, obstacle course director. “Can you imagine taking something as epic as Black Ops and putting it into a stadium, for everyone to see? That’s exactly what the Multiply Adventure Challenge is going for.” The event will take place at GOG Lifestyle Park in Krugersdorp, boasting South Africa’s longest sprint obstacle course. The venue also doubles up as an epic adventure park, so the fun doesn’t stop once the race is over. Experience seven unique rides, tackle an outdoor trampoline area, and conquer the country’s highest man-made climbing wall. Qualified child minders will keep little adventurers entertained at no extra cost with a wide selection of age-appropriate activities . . .
The new finish of the Bestmed Satellite Championship road cycling classic supposedly favoured climbers, but Nolan Hoffman was fast to disprove that theory when he won the 110km race in Maropeng today. The BCX sprinter had the final say when he passed Dimension Data's Kent Main in the closing metres to take the title in 2:33:23. RoadCover's Bradley Potgieter completed the podium. "I'm pretty chuffed to win a race that people thought climbers would win," said Hoffman, who took his third Bestmed Cycle4Cansa title at Sun City in late August. Riding a tactically smart race, the rider from Ruimsig and teammate David Maree joined five other riders - Bradley Potgieter (RoadCover), Ryan Harris (RoadCover), Luthando Kaka (Rand Water-Transnet), Jaco van Dyk (Cycling Box) and Chris Jooste - in a breakaway that formed within the first 20km. "Today, with the hill at the end, I didn't think I'd be able to contest for the victory," said Hoffman, who was tasked with covering the breakaways. "It somehow worked out that I got myself in the breakaway with six other guys. We worked well together and at some points we had four minutes on the group, and that's when my plans changed." With about 10km to go, they reached the base of the decisive Hekpoort climb with a small advantage over the peloton. Harris and Van Dyk soon lost touch while Maree nursed Hoffman all the way to the top to keep him within 10 seconds of the leaders. Meanwhile, a charging Main was able to bridge over to the leaders shortly after they crested the climb, leaving a group of six to fight it out for the victory. "On the last drag to the finish, with about 700m to go, Kent attacked," explained Hoffman. "David put in a final effort to close him down and I sprinted across to get on his wheel. "I'm pretty happy to win a race like this, with tough, windy conditions. It's pretty cool," said the 32-year-old, who won once previously on a more forgiving course. "It's confirmation that sometimes . . .
To celebrate the launch of the new advanced energy formula Engen Primax Unleaded, South Africa’s favourite petrol brand* is offering four lucky couples the chance of winning a trip for two to the Monaco Formula One Grand Prix in May 2018. The Monaco Grand Prix, dating back to 1929, is one of the signature races on the F1 calendar. Rich in glamour and prestige, the race takes place through the narrow streets of Monte Carlo, incorporating the world famous harbour with its luxurious yachts berthed in port. “Engen Primax Unleaded with a new advanced energy formula was launched in March 2017 and we want to give motorists the chance to experience the fuel in action and what better way than on the track at the Monaco F1,” says Seelan Naidoo, Engen General Manager: Retail. Explains Naidoo: “This same engineering and technology that helped the Mercedes AMG PETRONAS Motorsport team win three consecutive Formula One World Championships is available at Engen service stations. When motorists fill up with Engen Primax Unleaded, they are filing up with the winning formula for world champions.” “In developing our next generation fuel, we commissioned research into the South African fuels market to ascertain what really matters to our customers,” adds Naidoo. “Our reformulated Engen Primax Unleaded provides motorists with technology that cleans the engine, enhances fuel combustion, and improves drivability. All these features contribute towards providing superior performance and fuel economy compared to previous formulations.” This is the second time that Engen takes winners to a Formula One Grand Prix. “When we introduced the new reformulated Engen Primax Unleaded in March, customers won a trip for two to the 2017 Malaysia Formula One Grand Prix,” Naidoo adds. To stand a chance of winning a trip to the 2018 Monaco Formula One Grand Prix, motorists need to spend R300 or more at any participating Engen** and enter their details on the back of a till slip for a . . .
Multinational optical and optoelectronic technology company, ZEISS, has partnered with the South African Optometric Association (SAOA) to celebrate World Sight Day on 12 October by conducting free screening and eye testing for various communities in KZN, Limpopo, Free State and Gauteng. ZEISS will provide screening equipment for Gauteng. ZEISS Vision South Africa’s Commercial Manager Vesta Slabbert, says conducting eye tests on people who have limited access to medical services is critical in addressing avoidable blindness. “According to the International Agency for the Prevention of Blindness four out of five of the world’s blind are avoidably so. This regrettable statistic is similar for South Africa where an estimated 80% of people are avoidably blind, with most them living in rural areas. “Avoidable blindness differs from region to region, but some of the causes include cataract, refractive error, trachoma, diabetic retinopathy, glaucoma and childhood blindness. With regular eye tests and the correct treatment, some of these conditions can be prevented or reversed.” In line with World Sight Day’s theme for this year, #Makevisioncount, SAOA expects to test more than 1000 people in the selected regions. Mobile units manned by optometrists and 35 optometric students and six volunteer optometrists will travel to the various regions to conduct screening and eye tests. ZEISS will provide iProfiler and VisuRef screening equipment as well as lunch packs and T-shirts at the various sessions. Optometrist and SAOA Member Liaison Officer, Lucky Nkosi, says SAOA is committed to raising public awareness of blindness and vision impairment as major public health issues. “We urge members of the communities we intend to visit to make sure they get their eyes tested and encourage other family members to do so too.” The communities to be visited include Grace Bible church in Soweto, Gauteng; The Ramakrishna Centre of South Africa in KwaZulu-Natal; the Grace Bible . . .
As a group of eight young Entrepreneurs and Professionals, we decided to form a business enabling platform that would help people in our communities prosper. Markets have been around for years and years however we have since seen them evolve into something which is impressive and the commerce in them has started to show direct benefit into the hands of the business owners. To fight unemployment we need to create events and business that are enablers to small businesses that would usually be home based due to their sizes however through creating such platforms as the Shack Market we believe that we become the stepping stone for small businesses. Our business fully depends on ordinary citizens who wish to make a difference. By coming to the event you have the opportunity to socialize with a conscience, meet brand owners, buy proudly South African food and products and enjoy good music. Enjoy the rich scenery of Alexandra with a direct view of the one and only Jukskei River. For further information, visit Shack Market, follow on Twitter and Instagram @ShackMarket or like on Facebook/ShackMarket. CLICK HERE to submit your press release to MyPR.co.za. . . .
In celebration of Transport Month this October, Engen Petroleum is taking their annual Driver Wellness programme to Gauteng, offering free health screenings for truck drivers at two Engen Truck Stops. As part of Engen’s Driver Wellness Initiative, all truck drivers are invited to receive voluntary health screenings at: Engen Market Gateway, Majorie Street, City Deep on October 17th from 09:00-15:00 Engen Highveld 1 Stop North and South Bound, along the R21 Highway on October 18th from 07:00-15:00 Engen Driver Wellness is a mobile health awareness initiative run by Thubelihle Occupational Health & Wellness. The initiative which has impacted positively on the country’s bulk truck driver operators has continued to increase driver participation in voluntary screenings and improved health scores over the years. Over a seven month period, running from April to the end of October, the programme will reach 21 sites in five provinces. Running for its sixth year, Engen Driver Wellness continues to bring health to the front seat for truck drivers by providing them with free health screenings. Operated nationwide at Engen Truck Stops and retail service stations, drivers are offered free voluntary screenings in mobile clinics. These are conducted by qualified nurses and councillors where blood pressure, cholesterol, diabetes, tuberculosis, BMI (Body Mass Index) and HIV/AIDS are tested. Engen’s Corporate Social Investment Manager, Mntu Nduvane says that the main aim of this initiative is to improve health through awareness. “Education helps to remind drivers and our employees why their health is important and how life choices impact on their well-being. Ultimately this increases their health, safety and productivity.” “There has been a marked increase in the amount of individuals using the services we provide which is a clear indication that this intervention is making a difference to the wellbeing of drivers and will ultimately lead to a . . .
The South African Government highlights that breast cancer is not only one of the most common cancers among South African women, but increasing as well. As it is Breast Cancer Awareness Month, Zeeva encourages women to go for regular check-ups and mammograms. Early detection can ensure effective treatment and diagnosis. Experts say about 90% of patients go into years of remission when breast cancer is detected at the early stages. According to Jaco Visagie, director and financial advisor at Finsafe, 75% of Sanlam’s and Old Mutual’s 2016 dread diseases claims were admitted for cancer. Twenty-seven percent of this percentage was for breast cancer and six percent for colon/rectum cancer. Here is a bit of a reality check on what to expect regarding breast cancer costs, as stated by Visagie: First things first • A general consultation can cost up to R590 on average which excludes materials or procedures. • Scans like a bone scan; MRI scan biopsies are often required. Sometimes patients need genetic testing on the breast cancer biopsies. This is known as a Mammoprint or Oncotype DX. This will give direction on the best chemotherapy regimens, and costs over R30 000. Doctors use the results from a mammogram and an ultrasound as well as the pathology results from a biopsy to make a diagnosis. An image-guided core biopsy is the recommended procedure, however, in some cases; a surgical biopsy may be required. The average cost for breast biopsies is in the region of R18 000. Surgery expenses • The most common type of surgery is the surgical operation in which a lump is removed from the breast, typically when cancer is present but has not yet spread. • Data currently indicates that the most frequently requested mastectomy procedures are the complete and radical mastectomies of both breasts. • Extra costs are also incurred if a patient then opts for reconstructive surgery, which is a common procedure option after mastectomies. • The cost of a mastectomy was on . . .
The Wired for Life project, which provides students and teachers with access to cutting edge education technology, is well on its way to impacting 80,000 classrooms and empowering 1 million learners across the province. As South Africa celebrated World Teacher Day on 5 October, it is critical to draw attention to leaders and companies that are working to strengthen and uplift the country’s embattled education system. One such leader is Gauteng Education MEC Panyaza Lesufi, who has made it his mission to ensure that Gauteng learners and teachers are equipped with tools that will allow them to succeed in a rapidly digitizing, tech-driven world. “We need to be a part of what is termed the ‘Fourth Industrial Revolution’,” says Lesufi. “It’s about robots, it’s about driverless cars, it’s about coding, and our learners need to be part of that world. I want them to be a part of global innovation.” Having realised that local schools and classrooms lacked the facilities and access to digital content and tools that would propel them into a competitive marketplace, Lesufi sought an education technology provider with an innovative and accessible solution. After researching and considering a number of technology partners, he chose VastraTech, the South African distributor of SMART Technologies. In partnership with VastraTech and SMART, Lesufi launched Wired for Life, a programme that aims to provide every learner with a tablet, every teacher with a laptop, and every classroom with a SMART Board. “I travelled across the world to explore and determine where the world is [with education],”says Lesufi. “I was at an expo in London, and I went through lots of products. When I saw the SMART product I said, ‘this is what I want.’” Lesufi emphasizes that he recognised that SMART would provide a solution which could essentially ‘grow’ with South African learners, and that would be sustainable in the long term. “MEC have chosen SMART and VastraTech as partners because . . .
In 1933, before the breakwater was completed it was the practice of the tugs of Messina Bros., Coles and Searle (Pty) Ltd., to ferry passengers to and from the liners which were anchored offshore in Algoa Bay. The last tug for the day was at 4:30 pm and passengers who missed this tug then had no choice but to either spend the night on board ship or in the bustling little city of Port Elizabeth. Out of this then came the opportunity for an enterprising Port Elizabethan by the name of Bredell who reasoned that he would be able to run an 'after hours' ferry service for passengers to the ships anchored in the Bay. He duly imported a vessel for this purpose but the Port Captain of the time refused to condone this venture. Port Captains were very aware of the South Easterly winds that sprung up without warning and which affected the lighter operations and offloading of cargo. Bredell then disposed of the vessel, named Bess (Port Elizabeth's nickname at the time was 'Little Bess'), to a Mr Nilsen who ketch-rigged and sailed her to the Bay to use for fishing and pleasure. This made the Bess the first deep keel yacht to be regularly sailed in Algoa Bay. For a long time a succession of Port Elizabeth Port Captains refused to allow yachting on the Bay. It is surmised that this was as they were conscious of the weather conditions and the fact that they were responsible for the safety of all souls and craft that sailed on the Bay. Unfortunately this also seriously retarded all deep sea yachting for many years. Soon after the Second World War in 1945, Arthur Rogers-Jenkins built and launched a 25-footer named Melody. The new Port Captain, Capt. WC Still, in consultation with the System Manager of the SAR&H, agreed to permit Melody to sail on the Bay provided that it was done in daylight hours, not further than Roman Rock Bellbuoy and in sight of the Harbour Signal Station at all times. As far as yachtsmen were concerned this was the proverbial breaking of the . . .