Debt review is a process you can apply for to a debt counsellor if you have too much debt and are struggling to repay your debt. If your application for debt review is accepted, a debt counsellor will negotiate a payment plan with your creditors. This means that you can pay less each month, but for a longer time. Debt counsellors may also negotiate lower interest rates for your debt. The lower payments mean you can pay off your debt and still pay your monthly living expenses such as food and transport. Debt review can really help you if you are in too much debt. At the end of the process, not only will you have paid your debts, you will also have a clear credit record. Debt review is subject to certain rules and regulations. These are set out in the National Credit Act. We’ve simplified these into 10 important points, so that you know what your rights and responsibilities are if you are under debt review. 1. Check that your debt counsellor is registered with the National Credit Regulator. Ask them for their registration certificate or check the Regulator’s website. 2. Tell the debt counsellor all the details of your debt including how much it is, how much you have repaid and what the interest rate is. Send your statements to your debt counsellor. 3. Tell the debt counsellor details of your income and expenses. The purpose of debt review is to give you an affordable debt repayment plan. So, your debt counsellor needs to know how much you need to live on and how much you can afford to repay your debts each month. 4. Your debt counsellor will review your application, assess your debt and apply for approval for debt review from the Magistrate’s court. If your application is rejected, you can ask to see the reasons why it was rejected. 5. Make sure you know and understand your payment plan – how much you must pay, when and for how long. Your debt counsellor will draw this up and must explain it to you. Ask if there is anything you don’t understand or need a . . .
onebillion announced as winner in $15 million Global Learning XPrize competition 2019 17 May 2019 – iSchoolAfrica, an education initiative that reaches schools across South Africa in rural and township settings, is the official implementation partner of onebillion in South Africa. onebillion’s international team of experts have built educational software for children in and out of school, and together with VSO and partner organisations around the globe, the organisation works to bring this software directly into the hands of the child. This year, at the annual Global Learning XPRIZE awards, the $15 million competition winners were announced last night in Los Angeles. onebillion in the UK, and Kitkit School in South Korea, were recognised for developing effective, scalable learning software for children around the world. The $15 million Global Learning XPRIZE challenges teams from around the world to develop open-source, scalable software that will enable children in developing countries to teach themselves basic reading, writing and arithmetic within 15 months. The Global Learning XPRIZE seeks to provide universal access to quality learning through open and accessible data, localizable software, durable and available hardware and successful delivery to any context. The iSchoolAfrica programme brings this the award-winning global learning software to under-resourced rural and township schools across the country. In fact, not only has the onebillion Numeracy software helped children in the iSchoolAfrica programme cement basic Numeracy concepts, but most of all, these learners have started to love Maths, while their English vocabulary has also increased, and school absenteeism has decreased. Anousheh Ansari, CEO of XPRIZE commented, “Learning how to read, write and demonstrate basic math are essential building blocks for those who want to live free from poverty and its limitations, and we believe that this competition clearly demonstrated the accelerated . . .
Centurion, May 17 2019: South African producer and actor, Mari Molefe van Heerden, co-founded the Kleinkaap Short Film Festival with Reine Swart in 2016. Molefe is best known for her work on Binnelanders, 7de Laan and Villa Rosa. Swart is best known for her work on Syfy’s Z Nation and the horror, The Lullaby. Their passion for independent filmmakers are substantial and they will continue to give praise to deserved films. Both these ladies have been in the film industry for more than 10 years. Knowing the ups and downs that it entails and how important it is to support your fellow filmmakers. Molefe and Swart teamed up with British producer and actor, Coco Lloyd to produce the feature film, Heks (AKA Her Mask). Lloyd is best known for Footballers Wives and the X Factor in the UK. These three women brought well known producer and director, Andre Velts, onboard to share his excellent expertise. Velts has been involved with some of the biggest Afrikaans films such as Knysna and Jou Romeo. The cast onboard includes incredible talents such as Christopher Jafhta, Hungani Ndlovu, Stephanie Sandows, Mary-Anne Barlow with Coco Lloyd and Mari Molefe van Heerden in the principal roles. The young Director of Photography, Marius de Nysshen, did a brilliant job and has a very promising future. Heks is surprisingly enough not an Afrikaans film, but an English film. As Heks sounds like “Hex” in English, the producers decided to keep the name proudly South African and there are a few Afrikaans lines in the film. Swart was the director of Heks and it was her feature directorial debut. She has directed film festival short films such as Trypophobia, Skoonma and Eiko in Portland. Heks according to the producers can be a witch or a curse and it is up to the audience to decided what it means. This local horror with an international lead was solely filmed in Centurion at Kleinkaap Boutique Hotel. Nestled between Pretoria and Johannesburg. Producing a film . . .
Hot on the heels on a spate of accolades for his short film ‘Vuka’, including a merit certificate from the prestigious One Show, Egg Films' Zwelethu Radebe has drawn on memories of his childhood to create a new TVC for Cadbury that will tug on South Africa’s heart strings. The hard-hitting ‘Vuka’, created for the SAB ‘Be the Mentor’ programme, added the One Show Merit Award to its Editor’s Choice on Little Black Book, Best of Reel on ididtht, Creative Circle Awards 2018 2nd position, and Ciclope shortlist. The Cadbury ‘Mom’s Birthday’ TVC, tapping into the truth that moms always have a lot going on – work, dinner, family life, your homework – tells the story of one little girl doing what she can to make her mom feel special on her birthday. “Whether it’s in 60 seconds or 180 minutes, story is everything,” says Egg Films’ Zwelethu Radebe. “In addition, my dad owned a filling station and convenience store in Soweto while I was growing up, so ‘Mom’s Birthday’ lands in a particularly nostalgic place for me.” The ad is an adaptation of a British commercial, but interestingly feels distinctly South African. Working alongside Egg producer Saskia Rosenberg Haak, Ogilvy creatives Terry McKenna, Sue Jenner, Hazel Davies, and DOP Fabian Vettiger, Radebe has delivered authentic textures, effortless visual aesthetic and a complimentary ensemble cast. “Zwelethu’s filmmaking is defined by an empathy for his characters and a genuine interest in what they experience, so naturally a lot of the really important work happens during casting,” adds Rosenberg Haak. “In this piece, we enjoy three beautifully juxtaposed characters for a brief moment. Enormous in their subtlety - the performances are understated and nuanced.” This is one of the sweetest ads of the year. Watch it now, then go phone your mom! CLICK HERE to submit your press release to MyPR.co.za. . . .
Whilst on a morning Whale and Dolphin Watching cruise with Port Elizabeth based AB Marine on Tuesday 14 April 2019, Marine Biologist Eirik Grønningsæter, photographed two Bottlenose Dolphins in great distress. The Boat Based Whale and Dolphin Operator had been cruising along the Port Elizabeth beachfront and had just viewed a large pod of Bottlenose off of Summerstand's Pollok Beach. The literally hundreds of dolphins ranging up and down that stretch of coast kept guests enthralled as the youngsters came closer and adults jumped for the joy of living. A little bit further out to sea towards Cape Recife a smaller pod of dolphins were ranging in circles around one particular spot. It would only be later that evening that Eirik would discover why this small pod was acting in a strange manner and not moving on to join the larger pod near Bird Rock...... Back at the Guest House biologist Eirik Grønningsæter downloaded the hundreds of photographs from the day and zoomed in to a few to see a very disturbing sight. At least two of the Bottlenose Dolphins in the pod that had been acting strangely and swimming in circles had been entangled in fishing lines and were badly injured. The assumption is that these two dolphins had become entangled in the fishing line and that the line in turn had become entangled in the reef below where the dolphins had been swimming when spotted. The panicked dolphins must then have cut into their dorsal fins in successful attempts to free themselves from the reef. In the images one can see how fishing line has cut into a large part of one dolphin's dorsal and how almost 60% of one others dorsal fin has been cut away - surely a massive fatal injury. Erik, is a Biologist and part of the film crew documenting the state of the Sardine Run with Expert-Tours and the Ocean Geographic Society, was visibly shocked to see the state of injuries to these Bottlenose Dolphins. An AB Marine spokeperson said; "If we in Port . . .
17 May 2019 is World Baking Day! It was originally created to spread the joy of baking all around the world! There are so many ways to celebrate the day and GLAD is here to help you every step of the way. Baked goods show you care! It is a wonderful way to share some quality time with the kids and family, get everyone involved and let their creative sides show, with pretty cake décor, colourful icing and even edible glitter! Make a double batch and get more smiles! While you are having fun, why not do something truly special to spread the joy of baking? Share your freshly baked treats with those less fortunate or in need of a little love – cupcakes for an orphanage, or some biscuits for a home for the aged. These gestures could mean more than you will ever know and make someone feel truly special, including you! With so many uses, GLAD is a wonderful kitchen companion, brilliant for baking and exceptional for storage. Make sure GLAD helps you in your baking endeavours this World Baking Day, remember these items on your shopping list: Your number one baking buddy, GLAD Bake & Cooking Paper with 20% better non-stick performance. A non-stick baking (and cooking paper) that eliminates the need to grease baking trays or pans. Less mess less fuss. It withstands temperatures of up to 230°C making it ideal for use in both microwave and convection ovens. Perfect for packing your baked treats for delivery, try Glad Press ‘n Seal, a versatile food storage wrap that combines many benefits of wraps, foils, and food storage bags or containers. While other wraps cling, GLAD Press’n Seal® wrap seals to surfaces including plastic, paper, wood, metal, Styrofoam® containers and glass. Use GLAD Zip Seal bags, to separate and portion ingredients for the kids so that baking is that much easier for them, so you can give them each their own baking kit! These are also great for making packs of cookies and treats to share or store for later. Celebrate World Baking Day – . . .
The topic of graduate and youth unemployment in South Africa has been discussed ad nauseam, but with President Cyril Ramaphosa stating youth unemployment as the greatest challenge to social development in South Africa and, as the jobless rate for youth with tertiary qualifications rises above 20%, “how to” go about entering the job market deserves a lot more attention. Three human resources and recruitment specialists - Dr Nceba Ndzwayiba (Transformation Director Netcare), Cindy Norcott (motivational speaker, business coach and CEO of the award-winning recruitment agency Pro Appointments) and Andrea van den Berg (National Career Centre Manager The IIE’s Varsity College) agree that networking is an effective way for graduates to secure employment. Many job seekers are employed not through traditional channels, but because of referrals or recommendations by family or friends or by attending networking events. The greater the graduate’s network and ability to use it, the higher his or her chances of entering the job market. "Networking is critical because it exposes one to a broader network of contacts, thus giving one greater exposure to an audience which may impact one’s career positively. Once you start networking, you'll find that it creates a ripple effect thereby expanding your network and increasing possibilities for opportunities. It also broadens your knowledge, exposes you to critical career enhancing information, and allows you the opportunity to tap into an experienced audience that can offer psychosocial support and industry specific insight," says Dr Ndzwayiba. “A strong network increases one’s employment options considerably,” agrees van den Berg, Who has extensive experience in the recruitment and training and development industry. “48% of the 2018 cohort of employed IIE graduates who secured their first position after completing their qualifications with The IIE’s Varsity College did so through a friend, family, personal contact or through . . .
Leaf Botanicals (Pty) Ltd has been awarded a license from the South African Health Products Regulatory Authority (Sahpra) to cultivate medical cannabis in South Africa and export to the global market. Leaf Botanicals is a proudly South African company with a mission to cultivate a variety of high quality organic medical cannabis strains at affordable prices for the local market as well as exporting to other countries where medical cannabis is legally recognised. CEO Johannes van der Colff, is an established world leader with his Organic production of Grapes, Raisins and Pecan Nuts. Van der Colff was awarded the Agri SA/Toyota SA Young Farmer of the Year award in 2011 and was part of the MEGA Farmers program of 2016. His expert knowledge of organic farming allows for superior product production that is grown without the use of chemicals or pesticides. Situated in the Northern Cape, Leaf Botanicals has been working closely with Sahpra to create a fully compliant facility that conforms to strict South African and international standards and regulations. Adding to this an offtake agreement has been signed with Agrotiva Ltd which is a fully licensed cannabis producer in Canada approved by Health Canada. This will allow Leaf Botanical’s access to the Canadian medical cannabis market and will provide additional export opportunities for South Africa. Leaf Botanicals is honoured to be awarded this cannabis cultivation license and considers it a privilege and responsibility to lead South Africa in this sustainable new industry. For further information please contact Johannes van der Colff on firstname.lastname@example.org CLICK HERE to submit your press release to MyPR.co.za. . . .
SICK Automation has launched another global innovation: the first safety laser scanner certified to IEC 62998 for use in outdoor applications. The outdoorScan3 allows automated guided vehicle systems to navigate through outdoor industrial environments. With its innovative outdoor safeHDDM® scanning technology, outdoorScan3 works safely and reliably whatever the weather, closing the gap in the automation of industrial processes. Safety laser scanners enable humans and machines to work together safely in industrial environments by reliably protecting stationary and mobile applications. With the outdoorScan3, certified safety sensor technology can be reliably used outside of production halls for the first time. This opens up huge potential for automating and increasing the efficiency of intralogistics production processes – and brings the vision of a self-managed value chain in the spirit of Industry 4.0 one step closer to reality. Unique functionality in all weather conditions The outdoorScan3 is characterised by an exceptional ruggedness when subjected to sunlight, rain, snow, and fog. Outdoor safeHDDM® scanning technology means the laser scanner can work without errors when exposed to sunlight with an illumination intensity of up to 40 000 lux. The intelligent software algorithm of the outdoorScan3 detects rain and snow, easily filtering out these environmental influences – rain, for example, up to a precipitation intensity of 10 mm/h. Even in fog with a meteorological visual range of up to 50 m, the range at which aircraft are grounded, the outdoorScan3 detects all obstacles with total reliability. Automated processes outdoors Automated guided vehicle systems facilitate a flexible and productive material flow and will be a key technology in the automation concepts of the future. But currently these systems can only be used in a working environment that is shared by humans and machines. With the outdoorScan3, automated guided vehicle systems will be able . . .
South Africa’s leading home appliance repair and maintenance brand is poised for spectacular growth thanks to the success of two pro-business processes introduced by local lawmakers. The firm used both the Department of Trade and Industry’s ‘business rescue’ legislation and the SARS Section 12J tax incentive scheme to shake off recent trading difficulties and emerge revitalised, ready to create jobs and contribute meaningfully to the broader economy. MasterCare, established in 1974, ran into trouble three years after its 2009 acquisition of EarlyBird Services from Ellerines Holdings. The firm faced a perfect storm of post-acquisition challenges including overstated revenue estimates, old and underutilised infrastructure and unprofitable stores. As cash flow dried up management was left with one of two choices – either close doors and go into liquidation or enter into a business rescue arrangement to see whether the business could be saved. Management opted for the latter and Neill Hobbs of Hobbs Sinclair was appointed as the business rescue practitioner in 2012. “Hobbs and his team looked at every aspect of the business and realised its vital role in the domestic home appliance repair industry,” says Wesley Rabie, current CEO of MasterCare. “They optimised the business model and created a ‘leaner and meaner’ operating infrastructure to deliver sustainable growth”. He credited Hobbs Sinclair with creating the space necessary for the management team to focus on the business plan rather than obsessing over day-to-day operational issues. The only missing ingredients at this point were a clear strategy and capital – enter Anuva Investments, a section 12J-compliant Venture Capital Company (VCC) which acquired a majority share in MasterCare in 2015. The combination of business ‘smarts’ and ‘fresh’ capital put MasterCare on a totally different business trajectory. “Capital is one thing,” says Rabie. “But we benefited from the business acumen of Neill Hobbs as well . . .