uppercoast fever 17 sept 2014
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Uppercoast fever 17 sept 2014TRANSCRIPT
Umbogintwini | Amanzimtoti | Kingsburgh | Umkomaas | Scottburgh | Park Rynie | Pennington | Umzinto | Mtwalume
Your 24/7 local connection September 19, 2014
upper coast
FEVERwww.uppercoastfever.co.za @uppercoastfever Upper Coast Fever
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>> ‘To have you all on this journey with us hasmade the fight more bearable’
TANIA SANDBERG>>[email protected]
LOCAL business owner CathyColley of Kidazzle andAthloneParkPrimarypupils
raised money for the young Totibrain-cancer fighter, 19-month-old EmmadeVries, at the school’srecent Grade 7 Market Day.
Colleysuggestedforhermarketstall that pupils take white pillow-
cases andR30 to spray-paint theirpillowcase to sell and for eachpillowcase sold, R10would be do-nated to the charity, “Emma’sDream”. This didn’t end there aspupils also donated personally tothe fundraiser, which realised atotal of R7 372.
Emma, daughter of Michaeland Tanya, was diagnosed with abrain tumour in April and has un-dergone surgery to have the
tumourremoved.Shehasbeenre-ceiving chemotherapy every twoto threeweeksandhasundergonetwoport and one shunt operation.
“Oursincere thanksgo toCathyColley, Mr. Grenfell and staff, EMSteacher Amanda Krynauw and allthe Grade 7 pupils.
“WearesoappreciativethattheGrade7pupilsnominatedEmma’sDream as the charity to support,”says Tanya.
Last Friday they received theresults of Emma’s latest MRI scanand although it was not the newsthey had hoped for, the family re-mains positive, says Tanya.
“Theoncologistwill try tobringadministrating chemo closer be-
tween the breaks in-between inthe hope that we can keep up andstay ahead of her fast-growingtumour,” she said.
“Once againwe thank the com-munity of Amanzimtoti for thegenerous support, care and con-cern shown for our little girl. Tohaveyouallonthis journeywithushas made the fight more beara-ble.”
Follow Emma’s story on herFacebook page www.facebook.com/pages/Emmas-Dream/1483704061859698.
See more photos of pupils andteacherswhotookpartinthefund-raising market day on www.uppercoastfever.co.za
Emma deVries athome.PHOTO:SUPPLIED
Athlone ParkGrade 7 pupilsKarina Govenderand SineadCarson, just twoof the manypupils whodonated to‘Emma’s Dream’.PHOTO: SUPPLIED
Fundraiser for braincancer fighter
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September 19, 2014
upper coast
FEVER
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FIREAmanzimtoti: 031 361 0000Scottburgh: 039-976-1202 / 082-891-9563 a/hPennington: 082-891-9563MISCELLANEOUSEskom: 0860 037 566Water Emergency: 080 131 3013Water and burst mains: 0800 313 013CCPO: 083 393 5066Street Lights: 080 131 3111ANIMAL RESCUESPCA Emergency: 031-904-2424
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Shop attacks, a grave concern
SETON THOMPSON>>[email protected]
ACASEmakingitswaythroughtheScottburghMagistrate’s Court, and incidents such as thearmed robbery of R270 000 from aman at thePavilionshoppingcentreandsimilar incidentselsewhere,areraisinggraveconcernsforcom-munities, shop owners and law enforcementauthorities.
Eight charges levelled in Scottburgh’snumber five court allege that Sibosiso Mkhizeand Menzi Mthemba were respectively in-volved in four and five armed robberies, threeattempted murders and two assaults GBH,highlight the growing dangers facing the
culture of community shopping.In this case the selected targets,
whichwereattackedintheeveningsbetween April and July 2013,
werenot large shopping com-plexes,butoutletsownedbya prominent national re-tailer in diverse areas asCraigieburn and Hill-crest, as well as a fillingstation in Botha’s Hill.
Video footage fromthesesiteshighlighteda
practised and slickmodus operandi. At leastfour robbers, all holdingfirearms,are seenenteringthe various premises, iso-
lating and immobilising anysecurity threats and bullying
staff and customers to the floor inshocked submission.
In three of the incidents, shots were firedwhich wounded victims.
Theamountsallegedlystolenwerenot largebecauseinmostcases,thetillswereperiodical-ly emptied into drop-safes during the day, but,thepsychologicaleffectsonstaffandcustomerswere highlighted by witnesses who experi-enced them.
The case has been remanded until Octoberfor further evidence, but the inherent dangerof menwith high- poweredweapons, bulldoz-ing theirway intoshops filledwithpatronsandstaff ispresentingpoliceandshopownerswithdread.
“Securing shops and complexes againstthem is a nightmare task,” a senior policeofficer told the Fever.
PHOTO: SOURCEDThe inherentdanger of menwith high-pow-ered weapons,bulldozing theirway into shopsis presentingpolice and shopowners withdread.
Solution for watersupply suggestedSETON THOMPSON>>[email protected]
THE imposition of water restrictors in the Umdoniarea last week raises questions of what can bedone in the long-term to alleviate the situation.
The fact that the silting up of the E.J. Smithdam has contributed towards the problem is lead-ing to suggestions that Ugu should not havestopped at removing the Kariba weed, but goneon to dredge the mud, sand and silt left behind.
Independent water experts disagree.“The cost of dredging the dam could run into
tens if not hundreds of millions of rand,” a seniorDurban water engineer told the Fever.
“Local folklore has it that various local peopleoffered to do it for nothing, but that is ‘pie in thesky’.”
One solution at this stage is de-salination ofsea water. That it is feasible is proved in Israel, butthat tiny country does not face challenges foundhere.
Experts are confident that substituting thesupply from the Umzinto area with water from theMpambanyoni and Umkomazi basins will answerproblems in the short to medium-term.
PHOTO: SETON THOMPSONThe Isonti River spills over a weir. On the farside, a yellow brown film is visible, denotingprobable sewage contamination.
Spike in Scottburghcluster crime>> Time is of the essence in the successful intervention by law enforcement
SETON THOMPSON>>[email protected]
SERIOUS crime incidents in-creased by 34% within theScottburgh crime cluster in
Augustcomparedwiththeequivalentperiod in 2013.
However, police point out that asignificant proportion of the increasewas due to drug offences and drunkdriving. While both of these catego-ries are of great concern, they argua-bly reflect tougher police response
rather than a long-term spike in thecrime rate. Nevertheless, police ac-knowledge that drugs in particular,andalcohol,aremajorcontributorstothe commission of other crimes.
Burglary, both residential andbusiness, theft of motor vehicles andGBHremainkeyareasofconcernandScottburgh, Amandawe, Park Rynieand Pennington continue to be areasofhighincidence.Penningtonexperi-enced a surge in housebreaking andhouse robberies in August, spreadfairly across the town.
Police have again emphasised theneed for the public to report all andany incidents of suspicious behav-iour.
“Time is of the essence in the suc-cessful intervention by law enforce-ment in the commission of crime,”said a senior operational member.
“Time and again, a warning froma suspicious citizen or a witness of acrime enables us to intervene. Theperpetrators of practically all suchcrimes depend on surprise and rapidaction to avoid being apprehended.
PHOTO: SUPPLIEDA significant proportion of the increase in crime is due to drug offences anddrunk driving.
“However,evenifthereportcomestoo late to prevent the incident, it isimperative that it is reported to thepolice.Weknowthereisacynicalatti-tude that ‘nothing will come of it’
among some victims, but thatprediction isself-fulfilling if thepoliceknow nothing about it. In order tobeat a problem, you need to knowthere is a problem.”
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PRICES VALID 17 SEPTEMBER - 21 SEPTEMBER 2014 AVAILABLE AT PICK NPAY DISCOUNT SUPERMARKET KINGSBURGH ONLY.While stocks last, some stores may not stock some of these products.Advertised prices are inclusive of VAT where applicable. We reserve theright to limit quantities. No traders please. E&OE.Kingsburgh Centre, Ocean View Road, Amanzimtoti, Tel: 031 916 3302
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Certain promotional stocks are limited. Information correctat time of print. Prices inclusive of VAT, where applicable.smart shopper terms and conditions apply. E&OE.
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I lost all my business empires and all my friends run away I justdidn’t know what to do, I was left with only a house. My brotheradvised me to go and visit Adam. I made an appointmentand when I went there I was shocked when he showed memy enemty in a pot of water and it was a person I knew andtrusted. He gave me a magic ring and after a few weeks I gotmy business back and within a few months it doubled. Thanksto Adam for saving me, I will never forget you.Call him on 062 214 3446
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I was disappointed, had lost hope in everything but thansk toPapa Adam. I got a second chance with his anginu oil
MEET THE UPPER COAST
FEVERTEAM
TELESALESAudrey Nkosi
031 903 9480
NEWSEDITOR(SOUTH)Lynn Hitchcock031 533 7660
ZULUEDITORGuy Vezi
031 533 7663
JOURNALISTSetonThompson
082 897 9365
JOURNALISTTaniaSandberg083 651 4250
SALESEXECUTIVEDebra vanSchalkwyk
079 779 8321
SALESEXECUTIVEFallonBeeslaar073 202 4634
New socialgroup for Toti>> ‘There is safety in groups’TANIA SANDBERG>>[email protected]
A NEW social group for youngToti people, aged17andolder,has been started.
Thegroup is for thosewhowant toparticipate in entertaining activitieswith others on weekends.
“It is for youngsters who don’tdrink, do drugs and who don’t likeclubbing, nice get-togethers to enjoygoodcleanfun,”saybrothersMonrayand Jacques Lottering, the groupfounders.
The brothers, who study online,want to create this opportunity for
other online pupils and students toenjoy weekend entertainment suchasabraaiorsportsactivity.Thegroupmet twoweeks ago on Saturday for abraai and will meet this Saturday atFunland and then spend the after-noon playing beach volleyball.
“Theideaisalsothatthereissafetyingroups—thesedaysitisdangerousfor young people to go out on theirown,” say the brothers.
Anyone interested in joining thegroup can contact them via Face-book.
The group is called Toti Youthsocial www.facebook.com/groups/1473814102871763/
PHOTO: SUPPLIEDBrothers Monray and Jacques Lottering.
PHOTO: FALLON BEESLAARDoonside Meat Market opened on 8 August at 21 Main Road,Aman-zimtoti. At the outlet are Bruno Baleta (left, manager) andTracy Milosevich (owner).
Meat market opens Planting ‘seeds of hope’
TANIA SANDBERG>>[email protected]
THE non-profit organisation, Seed ofHope, has been teaching a pro-gramme — Farming God’s Way —since 2010 in the Bhekulwandle areaand is expanding its geographicalfootprint inland to Mdumezulu andItshehlophe.
Farmersintheseareasareeagertolearn how to realise good returns fortheir work, as the pattern has beennear total crop failure due todecreasing soil fertility, high rates ofpest, disease, erosion and runoff
rates,” saysDanWiens, SeedofHope:Agriculture and Business Develop-ment.
Farming God’s Way has been suc-cessful since 1984 when it was firstimplementedonafarminZimbabwe.
“The technology taught is simpleand effective. We teach farmers toplant without ploughing, to utilisethickmulchcoversandtorotatecropstobreakpestanddiseasecycles.Addi-tionally, we encourage farmers notjust to subsist, but to grow profitablefarming businesses through carefulcare and conditioning of the soil, aswell as realising excellent yields with
A group of farmers(front, from left)Zephania Mbuyisa(trainer), BuhleMhlungu,SibongiseniNgubane, PutsoNyathi, and (back,from left) StephenDludla, Simon Cele,Lulama Duma,Cynthia Kona andPam Mhlungu usethe new farmingtechniques taughtto them by Seedof Hope.PHOTO: TANIASANDBERG
Fever diary>> September 27. The Clansthal Conserv-ancy Craft Market from 9am to 2pm at 111Pig & Whistle Drive, Clansthal. Inquiries: LizCunningham on 083 556 8108.>> October 4 at 8pm: The Aliwal Theatreat 45 Bisset Street, is hosting a fundraisingshow – Boep Idles - in support of Um-komaas Primary. The show will be per-formed by the Gee Jays. Tickets R100. Bookwith Barbara: 039973 1105 or 083 7781469.>> October 5: The Sanctuary of the GreatWhite Light is hosting a “crystal workshop”by Renee Beets from 11.45am to 1pm afterthe Sunday service at 7 Barrow Road, Um-komaas. FoInquiries: Galey Weston on 083
• SA and British Passports• Bar Coded ID Books• Extension of SA Visas• Holiday Visas• Permanent Residence• SA Citizenship• Resumption of SA Citizenship• SAPS Clearance• Apostile
Elize van WykC: 083 682 2369 F: 086 659 1886Email: [email protected]
C-MEE PASSPORTSERVICES
C-MEE PASSPORTSERVICES
Elize van WykC: 083 682 2369 F: 086 659 1886Email: [email protected]
First World YouthRhino Summitto be hosted
THE First World Youth Rhino Summit willbe held at the Hluhluwe-iMfolozi GameReserve from 21 to 23 September in an at-tempt to breed a culture of conservationamong the youth and encourage them tolook for solutions in the struggle againstrhino poaching.
Guests will include a Vietnamese dele-gation of youth in the hope they can goback to their communities and becomeglobal representatives, changing percep-tions.
The 15 to 17-year-old youths will begiven school activities to perform to ensurethe longevity of the programme.
The three-day summit has an Africanfeel and delegates will get to see rhinos inthe wild, visit the “Operation Rhino”museum, and take part in a simulatedrhino security hunting exercise.
The summit will be overseen by “rhinoelders”, including Dr Ian Player, wildlife vetDr William Fowlds, elephant expert andglobal activist Paula Kahumbu, founder ofthe Freeland Foundation in Asia, SteveGalster and African explorer KingsleyHolgate.
In his pre-summit message to the dele-gates, Player said: “Young people of the21st century have a task of critical impor-tance. You have to ensure that ancientanimals like the rhino continue to surviveso that your grandchildren will be able tosee them too. We conservationists havedone our duty to God and the animals. Wenow hand over this responsibility to you.”
— Supplied.
PHOTO: SUPPLIEDRhino art by a KwaZulu-Natal pupil.
654 5261.>> October 13 to 15: Athree-day workshop ti-tled “Introduction toHIV/Aids” will be host-ed by Khanya Hospiceat the community hallin Barrow Street. Amaximum of 40 peoplecan be accommodated.Prior booking is essen-tial by contacting con-tact Neil on039 973 1783 or [email protected]
The course is free.
minimal costs.For more information
contact Seed of Hope on031 903 1125.
LEADER
6September 19, 2014
upper coast
FEVER
September 19, 2014
upper coast
FEVER 7
SERVICE GUIDE
Tel 031 916 6266Silvanus 082 462 1941Kirsty 0319169478
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Hyundai Amanzimtoti, 105 Kingsway
CARS, BAKKIES, 7 and 9 SEATERSAIRPORT TRANSFER
Missing person with hischildren, must call his
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Rico Paul Neethling mustcontact his motherCorrie Neethling at
079 226 4511
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Phone Mike on 031 765 6769 or 083 269 9626
We arelooking for:
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According to the editorial policy of the Upper Coast Fever, readers areinvited to comment about the newspaper’s contents, and significant er-rors will be corrected as soon as possible. Please send information aboutcorrection of mistakes in the newspaper to the ombudsman of Media24’sCommunity Press, George Claassen, at [email protected] call him at 021 8513232 or 083 543 2471. Readers can also complainabout the contents to the South African Press Ombudsman. In that case,please phone 011 788 4829 of 788 4837, send a fax to 011 788 4990 ore-mail to [email protected]
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PUBLISHERNeil Tapinos:[email protected] EDITORDesiree [email protected] EDITOR:Lynn [email protected]:Seton [email protected] Sandberg:[email protected]
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COPYRIGHT:Copyright of editorial, adver-tising layout, design andphotos is vested in UpperCoast Fever and may not beused without written permis-sion of Media24.
DISTRIBUTION:Tom Pearson 039 682 1010 April to June 2014: 24821
Letters to the Editor must be received by no later than Monday 4pm. Letters and emails should be addressed toThe Editor and emailed to [email protected] faxed to 031 533 7972 or posted to PO Box 20162, Dur
ban North, 4016. Letters should not be longer than 350 words.
Smile awhile
Blue-Flag status possibleIAM glad to read in the Fever that our
beaches are coming under scrutinyfrom various organisations.IhavelongbeenasupporterofScott-
burgh’s main beach with its “minimalis-tic” approach.
For those who want to sit on thegrass, they can, for those who want tosit on the sand, they can and for thosewhowanttosit on the concrete,theycango north or south.
It seems the only thing stopping
Scottburgh from obtaining Blue-Flagstatus is the pollution in the water. Thisis a serious concern, although manyswimmers do not consider it as such.Various authorities, starting with theUgu Municipality must just do their job— provide water and remove the sewage— and Blue Flag becomes a likelihood.
While I am not opposed to Penning-ton having Blue-Flag status, it would beridiculous to leave it at that or to focuson that to the detriment of Scottburgh.
For Umdoni, the priorities should be toget the existing pavilion and its shopsand catering establishments into hon-est, profitable use — those two criteriaare not mutually exclusive — as fast aspossible.
While they’re about it, they shouldalso hold Ugu’s nose to the grindstoneover the Mpanbanyoni River’s waterquality.
Tom ScottScottburgh
Coach makinga differenceI HAVE played soccer in many countries andwith all age groups, as a player and a coachand now, more than ever, children need anoutlet where they can be part of a teamand meet friends.
We live in an artificial world and itshows in the most vulnerable, our children,and today childhood obesity is on the in-crease and depression among teens is in-creasing. The youth need to spend moretime outside instead of Facebook to Face-book and that is where the problem lies.
There are not many soccer clubs inAmanzimtoti, there are some clubs forboys, but none for girls. Yes, they can playsoccer at school, but the soccer season isshort and the amount of children whowant to play for their school do not alwaysget to play. There is also a shortage of qual-ified coaches.
Soccer is the number one sport in theworld and one of the most lucrative sportsin which to play. For many it may be theonly chance they get to make a differencein their life.
I have been coaching a team in Toti forthree years — we started when they weresix and now they are under 10. We finishedthe season second in the league. We hadthe end-of-season game which we won5-0.
Beingpartofateamandhavingacoachwho has got their back and their parentson the sideline watching their childrenthrive, is part of that dream.
There is one thing I know for sure, withthe right coach, the right children and theright support system, many dreams willcome true and I intend to make that a reali-ty within the community of Amanzimtoti.
Coach RomaniAmanzimtoti
• Letter shortened.
BEE, Zim drivers‘most welcome,not whites’MY husband is a qualified, professional truckdriver, he has 23 years’ driving experience andskills.
I have been trying for the past six monthsto find him a good company to drive for. I havesent out easily between 100 to 150 CVs to vari-ous companies, but to no avail — they all say“BEE or Zimbabwean drivers are welcome”.
So all our white qualified truckers are nowthrown to the curb and not wanted any more.
He even went into Durban harbour and sur-rounding areas, to all the trucking and trans-port companies looking for a driving job. Theresponse he was given was “you are not black”.
So now one wonders where the line getsdrawn on the apartheid issue.
How many truck accidents are caused bydrivers from other countries or other races.
Concerned WifeAmanzimtoti
Umzinto publicinstitutions,unacceptableRECENT oversight visits by the DA to publicinstitutions in Umzinto have revealed thata number are operating under unaccepta-ble conditions.
The local Sassa office in Umzinto is op-erating out of a privately owned property.It is in dire need of air-conditioning andproper toilet facilities accessible to the eld-erly and the disabled. The current toiletsare located up a steep flight of stairs out-side the building. There is currently a planto provide some of these improvements,but residents and staff are going to haveto put up with the current facilities for theforeseeable future.
This raises the question why Sassadoes not operate from the municipal build-ings, or if it can’t afford to purchase its ownpremises why it has not chosen a buildingwhich has the necessary ventilation andtoilets already provided. The DA will beasking the national minister to explainwhat Sassa is planning to do to address thesituation.
A further visit to Umzinto’s PrimaryHealth Care facility — which serves nearly12 000 patients each month — revealedthat it is still operating out of pre-1994buildings. I will be asking the provincialMEC for health to prioritise the building ofa new community health-care centre.
Umzinto has a large and growing popu-lation, many from the large informal set-tlements. The current PHC is totally inade-quate for their needs. Staff are doing theirbest to cope, but in a building which lackseven adequate sheltered waiting areas forsome patients.
The DA’s Umdoni councillors and I willcontinue to agitate for the government topay attention to the needs of the residentsof Umzinto. They deserve better.
Mark Steele, MPL082 774 6167
Are you an aspiring journalist? Writefor us and get published
using the Citizen Journalism tool atwww.uppercoastfever.co.za
EDITORIAL COMMENT
Time to gear up and do the jobOF all the reasons for the lack ofservice delivery, it is hard to im-agine one that is likely to attractgreater anger and condemna-tion from the public than that
the service providers concernedabrogate their responsibilitieson the grounds that “it’s not ourresponsibility”.
Yet that is what is happening
in the Scottburgh region as theSAPS and Umdoni’s ProtectionServices proclaim that safetyand security on Scottburghmain beach “is not our job”.
At this stage, the CommunityPolicing Forum is virtually solid-ly behind the SAPS in this situa-tion.
It sees an under-resourced
police force having to enforceby-laws when it has more im-portant issues to handle.
What they don’t understandis what the protection servicedoes with its four officers andits “eight-to-five” weekdayschedule. They are demandingthat it gears up to do the job it isseen to be avoiding.
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8September 19, 2014
upper coast
FEVERHow to braailike a boss
QUALITYmeat is one of the most im-portant ingredients for a good braai,sothesecretistofindyourselfabutch-eryoucantrustandgoforqualityoverquantity.
You can braai almost anything —chicken, prawns, crayfish — but ifyou’re just starting out, three fool-proof options are boerewors, steakand lamb chops.
• Boere-wors: whenbuying this op-tion, be sure topointedly lookfor the word“boerewors” onthe packaging.
This isbecausethere’sadifferencebetween braai wors, which can con-tain anything (donkey, water buffalo,heart, testicles) and boerewors.
• Steak: rump steak is a great fall-back option and has more flavour
than fillet.• Lamb chops: if you’re not sure
what you’re looking for, go for ribchops—they’reusuallynicerthanlegchops, which can get a bit tough.
— Food24.
PHOTO:SOURCEDYou can braaialmost any-thing.
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September 19, 2014
upper coast
FEVER
FEATURES
9
Retire in styleUmgeni Park, Durban North
RIVERSIDE Park Retirement Estate offers a care-free lifestyle. The development consist of 131 unitswell spaced, ranging from maisonette units up tothree-bedroom units with immaculategardens. Security is on guard 24/7 and each resi-dent has a panic remote should they need assist-ance in case of an emergency. Enjoy your privacyor join various activities at the clubhouse — bingo,
bridge, exercise classes, special functions, charityevents — or quietly enjoy a cup of tea at leisure inthe library.
The estate is situated close to all amenities. Italso includes on-site medical services as part ofthe package when purchasing a unit at RiversidePark.
Should you need any further details or if youare interested in buying a unit at Riverside, con-tact Rentia de Beer on 082 463 8284.
ADVERTORIAL
Ocean Breeze LaundryOCEAN Breeze Laundry is situated in the DSM Mallin Winklespruit. The laundry has been in businessat this location for more than five years. Recentlyacquired by new owners Werner and Nicky Viljoen,the laundry strives to supply top-quality service tothe local area and surrounds and makes every ef-fort to support the community by employing onlylocal staff who have a passion for our services.
Our services range from laundry, dry cleaning,including wedding gowns and evening dresses.
From 1 October we will be expanding our businessto include the sale of laundry products. Some ofour existing clients include old-aged homes, hairsalons, schools, butchers and holiday accommoda-tion facilities.
We are so confident about our service that wehave developed a loyalty scheme for regulars andoffer a standing 20% discount to pensioners. Ifyou have a laundry service need, visit OceanBreeze and experience exceptional service.
ADVERTORIAL
Saving for retirement>> Consider making additional savings and/or investments
YOUR final retirement benefit (accu-mulated credit at retirement) willbe influenced by many factors over
the years — level of contributions to yourpension or provident fund, investmentgrowth on your assets, inflation, andchange of employer where your fund in-vestments were not preserved. Each oneof these factors needs serious considera-tion when doing your financial planning.
Most people will be able to live onabout 70% of their working salary duringretirement, without lowering their stand-ard of living. This is based on the assump-tion that their bond is paid off, they havefewer dependants and fewer debt.
To assist members on ascertaininghow close they are to their targeted pen-sionable income at retirement, a replace-ment ratio is used to highlight this target.A replacement ratio is used to highlighthow close they are to their target pen-sionable income at retirement.
Your replacement ratio can be de-
scribed as your projected monthly pen-sion at retirement divided by your project-ed monthly salary at retirement.
A replacement ratio of less than 100%means you will receive a pension/incomeafter retirement that is less than your sal-ary before retirement.
For example, if Joe Soap has pension-able earnings of R10 000 a month justbefore he retires, a replacement ratio of65% would mean that he will receive apension of R6 500 per month (65% ofR10 000) on his retirement.
Why is this information important?Only one in five South Africans have
enough money saved at retirement andare financially independent. Most mustrely on family and the state old age pen-sion to survive. It is important to keep aneye on how well your fund credit or fundvalue is growing and whether or not youwillbeabletoreplaceyoursalaryatretire-ment with a pension income that will besufficient for you to live on.
Remember that if you want to retirecomfortably, you will probably need a to-tal savings pool which will give you a pen-sion after retirement of between70%-75% of your income just before re-tirement.
The analysis done on your benefitstatement is based only on your savingsin the fund. You might have other invest-ments outside of your fund and other as-sets that could boost your replacementratio. It is therefore important to consultwith an accredited financial advisor whocould assist you to draw up a financialplan.
If you are concerned about yourmonthly income levels after retirementconsider one of the following possible so-lutions:
• Consider working past normal retire-ment age, only if this is allowed by youremployer.
• Consider increasing the contributionrate to your fund or making additionalvoluntary contributions to your fund.SARS currently allows a tax free amountof R1 800 per annum.
• Consider making additional savingsand/or investments for retirement, out-side of your fund.
• Consider investing your retirementassets in a more aggressive investmentportfolio, an investment portfolio thathas more exposure to equities. This couldresult in greater investment growth overthe long term, but carries additional risks.
All investments involve some degreeof risk. The reward for taking on risk is thepotential for a greater investment return.If you have a financial goal with a longtime horizon, you are likely to make moremoney by carefully investing in asset cat-egories with greater risk, like shares orbonds, rather than restricting your invest-ments to assets with less risk, like cashequivalents. — Isas.
Considerworkingpast nor-mal re-tirementage, onlyif this isallowedby youremployer.PHOTO:SOURCED
How much do I need to retire?
IT is extremely difficult to answer aquestion like this with insufficient in-formation. The starting point wouldbe for a financial adviser to prepare aproper needs analysis with your per-sonal information.
The reality in South Africa is that16% of retired people are fully de-pendent on state pensions, 31% ofpeople who reach retirement agehave to keep onworking to earn a liv-ing, 47% of people who reach retire-ment age depend on familymembersor friends tosupport themfinancially,andonly sixoutof100SouthAfricanscan retire independently of others.
Backtothequestion—theaverageperson requires roughly 65% to 75%ofhisorher lastsalaryto livecomfort-ably after retirement. If you still haveoutstanding debt and expect highermedical expenses, youmight need toincreasethisfigure.Ifyouwanttopre-serve your capital, it also influencesthe calculation.
A rough rule of thumb is that youneed 15 times your current annualsalary to retire on (if you retire at 65),but it is of theutmost importance that
you obtain advice from a qualified fi-nancial adviser who can take yourpersonal circumstances into consid-eration.
The reason you need good advicewhen saving for retirement (or justsaving in general) is that there is amultitude of retirement productsavailable inthemarket.Someofthesewill fit your personal circumstancesand preferences better than others.
By getting the right financial ad-vice you can avoid paying too muchtax, while ensuring that your fundsare liquid. Inotherwords,youcanac-cess your money when you need towithout any penalty or restriction.—Fin24.
Disclaimer: Fin24 cannot be heldliable for any investment decisionsmadebasedontheadvicegivenby in-dependent financial service provid-ers.
UndertheECTActandtothefullestextent possible under the applicablelaw,Fin24disclaimsallresponsibilityor liability for any damages whatso-ever resulting from theuse of this sitein any manner. — Supplied.
PHOTO: SOURCEDOnly six out of 100 South Africans can retire independently of others.
FeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureFeatureRETIREMENT
CLASSIFIEDS
10September 19, 2014
upper coast
FEVER>>SudokuSolution 169
SUDOKU 171How to play: Fill in the missingnumbers on the grid so every horizontalrow, vertical column and every 3x3square contains the numbers 1-9,without omitting or repeating any.Submit: You can post entries to UpperCoast Fever, P.O. Box 20162, DurbanNorth, 4016 or deposit into entry boxesin Athlone Park Pick n Pay or Amanzim-toti Pick n Pay. Closing date: one weekfrom date of publication. The first cor-rect entry drawn weekly, will go Into themonthly draw.Only one entry per person per week.No registered letters or faxed entries
CROSSWORD 171Crosswords will no longer carry a cash prize. You can post entries to Upper Coast Fever, P.O. Box 20162, DurbanNorth, 4016 or deposit into the entry boxes in Athlone Park - Pick n Pay.Closing date: one week from date of publication.
Across
1 Pay the entire cost (4,3, 4)2 Brutal (7)10 Sharp (5)11 Bloodstained (4)12 Imprisoned (6, 2)14 Firmly implanted (6)16 Exceed (6)18 Given formal approval(8)19 Absurdly funny (4)22 Cool courage (5)23 Alligator pear (7)24 Conforms (4, 3, 4)
Down
2 Additional (5)3 Uninspiring (4)4 Hold tight (4, 2)5 Temporary amnesia(8)6 Wash and iron (7)7 Distinctive characteris-tic (11)8 To watch (4, 2, 3, 2)13 Altruistic (8)15 Smallest of GreatLakes (7)17 Disconnect (6)20 On the other hand (5)21 Thwart (4)
NAME: ADDRESS: CONTACT:
WINNER 169: Mrs A. M. SwartCongratulations!
>> Crossword Solution 169Across1 Ether, 4 Bahamas, 8 Hot, 9 Pageant-ry, 10 Borodin, 11 Tango, 13 Trivia, 15Snatch, 18 Taste, 19 Mission, 21 Obsti-nate, 23 Era, 24 Present, 25 Kitty.
Down1 Exhibit, 2 Hit-or-miss, 3 Rapid, 4 By-gone, 5 Hearten, 6 Met, 7 Say-so, 12Nutriment, 14 Itemise, 16 Hungary, 17Impact, 18 Troop, 20 Speck, 22 See.
WINNER 169: T. K. Reinhardt
Congratulations!
SUDOKU WILL NO LONGER CARRY A PRIZE
NAME: ADDRESS: CONTACT:
CROSSWORD& SUDOKU19 SEPTEMBER EDITION
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P.O. Box 723, Scottburgh, 4180
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Notice for Public participation Kwazulu-Natal-Liquor Licencing Act 2010
Application for a liqour Licence-Restaurant:-
Notice is hereby given that I DemetrakisMesaritis I.D No 6303215814080
of Norwegian Produce Guest Lodge(Restaurant) situated in Ugu District
Municipalty (DC21) at 25 Barrow StreetUmkomaas, have submitted an application
for a Restaurant Liqour Licence.
Objections should be lodged with the localcommittee in the district from where the
application emanates within 21 daysof the Advert.
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0319039480conTAcTAudrey
September 19, 2014
upper coast
FEVER
MOTORING
11
Debra Van SchalkwykCell: 079 779 8321
Email: [email protected] Beeslaar
Cell: 073 202 4634Email: [email protected]
autofever
Advertise in our new weekly motoring section
375 000 copiesacross 14 local papers every week
autofeverTHE second-generation Kia
Picantohasbeenturningheadssince making its global pre-
miere at the 2011 Geneva MotorShow and local market introductionin 2011.
Three years later, the Picanto re-mains one of the most striking andcomprehensively equipped vehiclesin its segment.
In South Africa, the Picanto tooktop honours in the People's WheelsAwards for three years in a row(2011, 2012 and 2013), has won nu-merous 'Best Buy' awards from ma-jor publications, and was elected afinalist in the 2012WesBank/SAGMJCar of the Year competition.
While the two-model Picanto line-up remains unchanged, enhance-ments to the exterior endows it witha sportier face thanks to a revised'tiger nose' grille and a restyled frontbumper. The Picanto's sculpted sideprofile and uncluttered rear styling
remainsunchanged.The1.0LXshipswith 14-inch steel wheels with fullwheel covers, while the 1.2 EX fea-tures sporty 14-inch alloys. Two ofKia Motor Corporation's efficientKappaenginesdoduty in thePicanto,starting with three-cylinder, 998 ccunit producing 51 kW and 94 Nm oftorque in the 1.0 LX. A four-cylinder,1 248 cc engine is used in the 1.2 EX,producing 65 kW and 120 Nm oftorque. Both engines are mated to afive-speedmanual transmission, buta four-speed automatic transmissionis available as an option.
Featuresavailableonbothmodelsinclude manual air-conditioning, anunder-floor trunk storage box, re-tractabledualcupholdersandsunvi-sors with vanity mirrors, as well asAUX/iPod/USB connections for theradioCDplayerwithMP3compatibil-ity (the EX also sports steeringwheelmounted controls and hands-freeBluetooth®.
PHOTO: SUPPLIEDThe Kia Picanto.
The Kia Picanto, awesome, amplified>> In South Africa, the Picanto took top honours in the People's Wheels Awards
WITH more South Africans taking up roador trail biking, the safe and correct trans-portation of a bicycle is an important topic,believes Les Mc Master, chairman of theMotor Industry Workshop Association(MIWA).
“Cyclists or mountain bikers often ridein groups and this could mean transportingone or more bicycles to a designated meet-ing spot. While there are lots of ways totransport bikes, it’s important that theyare secure and safe before hitting the road,not only for safety but for other motoriststoo,” he says.
He says it’s important to be awareof the road rules and associated legal obli-gations.
“Officials are well within their right topull you over if your vehicle doesn’t complywith road rules pertaining to transportingabike.Forexample,yourlightsandnumberplate can’t be obscured by bikes — all ofyour lights need to be clearly visibleand your number plate readable. Strictlythey must be able to be seen from various
directions, not just directly from the back.”He adds that your view must not ob-
scured in any way, including lookingthrough the rear-view mirror out of theback of the vehicle.
“Logically, but also legally, you can’thavean‘unsafeload’— thatisoverloadthecar, or fail to secure the bikes so that theycould come loose, fall off or destabilisethe car.
“You also can’t load bikes onto the ve-hicle so they stick out, which could causean accident involving vehicles, property orpedestrians.”
You also cannot exceed the maximumweight-bearing load for bike-carryingequipment, roof bars, tow bars, top or rearracks, and the load for your type of vehicleas specified by the manufacturers. Thisloadvalueshouldbeinyour vehiclemanu-al. The safe roof carrying weight is nearlyalways specified, as is the tow bar loadweight (known as the nose weight rating).
“When considering what type of carrierto use, make sure the carrier makes sense
with your vehicle. It should be quick andeasy to set up and not interfere with yourvehicle’s functionality (or damage thepaint work) in any way.
“For example, unless you have a largeboot, the likelihood of fitting a bicycle inthe boot is minimal and there’s a goodchance you’ll damage the paint work orboot or bicycle trying to get it in. Rather optfor a roof rack or tow-bar mounting.”
Mc Master says it’s important to checkand tighten fixtures, straps, etc, of the car-rierregularlyduringyourjourney,especiallybefore you set off.
“It’s wise to check the manufacturer’sinstructions and follow them in terms offitting, position, tightness, and controls.”
“With the weather warming up it is agreat time to load up the bikes and headout for a morning on a trail or to meetwith friends for a road ride.
“So take the time to secure the bikesproperly and know that you are taking yoursafety and that of other road usersseriously.” - Supplied
PHOTO: SOURCEDUnless you have a large boot, the likelihood of fitting a bicycle in the bootis minimal and there’s a good chance you’ll damage the paint work or bootor bicycle trying to get it in. Rather opt for a roof rack or tow-barmounting.
Transporting bikes safely
SPORTupper coast FEVER
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Umdoni karatekaearns gold>> ‘He has grown as a person and karateka’
SIYANDAMyeza“Tencents”,wasselected to representKZNin thedevelopment championships of
Karate SouthAfrica in Tongaat on 29and 30 August.
This karateka is a dedicated anddisciplined student and his and ef-forts havepaid off ashewon twogoldmedals at the championships.
He trains in Pennington on Mon-days from 5.30pm to 6.30pm, andwhen he is able to make it he alsotrains at the Scottburgh Golf Club onTuesdays and Thursdays at the timetime.
“ Tencents has grown as a personand a karateka and we are proud ofhis achievements,” said Windell.
For more information, phone084 840 0310.
Tencents with his gold medals forkata and kumite and his instructorPikkas Windell Shihan from UmdoniGoju Kai Karate Club.
PHOTO: SUPPLIED
AMBC newsBOB Elliott and Jeanie Cousins on a score of4+16werethewinnersinaclosefinishatAM-BC’smixed2:4:2monthlycompetitionduringthe past week.
A strong wind made play difficult for the24 teams engaged, but runners-up JohnSmith and Gina George were only one shotbehind.
Alex andCarole Cameron took the secondsession. The sponsors were Johnno’sRestaurant at Ifafa and R&M Construction.
— Supplied.
Surfers launch‘green foundation’THE recently founded Greenpoint SurfridersFoundation is not only about riding tubes andfinding theperfectwave, it isalsoabout leavinga lasting, positive impact on the Clansthalbeaches for future generations to enjoy.
So says Shayne McGee, chairman and oneof the founders. “Our core aim is to foster asenseofresponsibilityandstructurewithin thelargersurfingcommunitieswhovisitthebreak.We aim to educate and promote conservation,while respecting and giving back to the sameocean and beaches that provide us with somuch joy.”
Describing themselves as the “surfing divi-sion” of the Clansthal Conservancy, theGreen-pointSurfridersFoundation ismadeupof localsurferswhospanseveralgenerationsandhavespentmost of their lives surfing these beaches.
“Weseeapressingneed for changebecauseof the various threats the area faces,” saysMc-Gee.
They are currently focusing on the beachesof theKZNSouthCoast, betweenMhlongwanaRiver in the north and the Mhlongwa River inthe south. All the members of the GreenpointSurfridersFoundationarealsomembersof the
ClansthalConservancy, towhich thesurfriderspledge their full support.
OnSaturday20September—InternationalBeach Clean-up Day— the Clansthal Conserv-ancy and the Greenpoint Surfriders will cleanup the area.
“We invite the public to join us. Take yourfamily and make a day of it,” said McGee.
— Supplied.
PHOTO: SOURCEDThe foundation is not only about ridingtubes and finding the perfect wave, it is alsoabout leaving a positive impact on beachesfor future generations.
Cyclist completes Super Rugby stadia tour
TANIA SANDBERG>>[email protected]
GLOBAL adventurer and Super Rugby fanGarth Lezard is completing a four-monthcycling tour inwhichhewill visit all local SuperRugbystadiatoraisefundsforpeoplewithdisa-bilities.
Lezard is most known for his 2010 cyclewhere he completed over 30 000kms through24 countries, over six continents.
He has already been to Australia and NewZealand onhisworld tour and is now complet-inghiscyclethroughSouthAfricabecomingthe
first Super Rugby fan to cycle between all 16teams.
Lezard started his South African journey atthe end of Junewith the Blue Bulls in Pretoria.ThenhespentadaywiththeLionsinJohannes-burg. Lezard then cycled for four days to theCheethas in Bloemfontein and nine days to theStormersinCapeTown.Fromtherehisjourneytook him to theKings in Port Elizabeth and an-other 14 days to Toti.
Lezard will finish his tour today (Wednes-day) inSharks territory,avictory forhimwhichhehopeswill translate intotheSharksclaimingtheir first Super Rugby title next season.
Garth Lezard cy-cled to SuperRugby stadia toraise funds forLenord Cheshire,an organisationthat assistspeople with dis-abilities. Hestopped over inAmanzimtotiand visited theFever office.PHOTO: TANIASANDBERG