IS DIT BINNEKORT TYD VIR AFTREDE / PAKKET?

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Promosie: Sanlam geldsake

 

PageLines- images.jpgDie tyd vir aftrede het aangebreek of u oorweeg om ’n pakket te neem by u huidige werkgewer. Binnekort gaan u pensioen-/ voorsorgfonds uitbetaling ontvang.

Die volgende vrae mag u kwel:

  • Wat gaan die belastingimplikasies wees?
  • Kan belasting wettiglik tot die minimum beperk word?
  • Wat is die verskil tussen die uitbetaling van my voorsorgfonds, pensioenfonds; bewaringsfonds en uittree-

                annuïteite?

  • Kan bogenoemde vier fondse se geld saamgesmelt word?
  • Watter beleggingsopsies indien enige, is vir my aftreefonds geld beskikbaar?
  • Kan my pensioeninkomste gewaarborg word en sal dit tred hou met inflasie?
  • Gaan die kapitaal voldoende wees sodat ek my lewenstandaard gedurende my lewensverwagting kan

                handhaaf?

  • Is dit moontlik dat daar kapitaalgroei op my aftreefondsgeld na aftrede kan wees?
  • Sal my pensioeninkomste kan voortgaan na my afsterwe?
  • Kan die kapitaal vir my erfgename bewaar word?
  • Wat gaan die boedelbelasting-implikasies wees?
  • Is dit moontlik om aftreegeld in die buiteland te belê?
  • Kan maandelikse uitbetalings van my aftreefondsgeld in die buiteland geskied?

Ons kan bogenoemde vrae vir u beantwoord en in perspektief stel. Geen twee individue se situasie gaan dieselfde wees nie en ons sal vir u ’n uniek, getaileerde plan saamstel wat aan u besonderse behoeftes sal voldoen.

 

Vir meer inligting skakel Elsabe Smith  (CFP®), ’n Gesertifiseerde Finansiële Beplanner en Genoot van die internasionaal geaffilieerde Financial Planning Institute. Sy was voorheen vir twee agtereenvolgende jare top beleggingsadviseur in Sanlam, Gauteng-Noord. Sy het onlangs die gesogte Goue Arend-toekenning van Sanlam vir volgehoue prestasie verwerf. Via die Sanlam Glacier-platform kan kliënte toegang kry tot fondse van Allan Gray, Invectec, Coronation, en ander batebestuurders.

Kontaknommers : Tel 012-470 0414 / 0113                Faks: 086 516 3401

Sel: 082 550 1302                                                              Epos: esmith@sanlam4u.co.za,

Adres:  Sanlynngebou (ou Saambougebou) h/v Lynnwood/Sanlamstraat, langs Glenfair-winkelsentrum.

 

Pretoria Chinese School proud of its matriculants

Darren Roos

The principal and founding members of the Pretoria Chinese School wish to congratulate the Grade 12 Class of 2014 with their excellent Independent Examination Board National Exam results.

The school again achieved a 100% pass rate, with an incredible 17 of the 18 matriculants achieving full Bachelor Degree passes.

The top two achievers are Darren Roos with eight A-symbols (he also ranked in  the top 1% nationally in Mathematics, Physical Sciences and Life Orientation) and Louisa Lennon with 5 A’s and 2 B’s. She also ranked in the top 1% nationally in Afrikaans

 

 

Klofies skitter met volpunte

Chantelle Withfield

Chantelle Withfield van Hoërskool Waterkloof het 100% in haar gunstelingvak, Ontwerp, te behaal.

 

Chantelle Withfield

Chantelle Withfield

Chantelle, wat reeds vanaf graad twee kunsklasse begin neem het, het ’n merietebeurs van R73 000 van Open Window losgeslaan en beplan om ’n  grafiese ontwerper te word. Sy het ook ’n onderskeiding in vier van haar ander vakke behaal.

Daniël Marais het skitterend presteer deur in beide sy graad 11 en graad 12 jaar (ook in die nasionale eksamen), 100% vir Wiskunde te behaal. Daarby het Daniël 98% vir Alpha Wiskunde, die tweede hoogste punt landswyd. Hy  gaan hierdie jaar meganiese ingenieurswese by Tuks studeer.

Klofies het ook twee kandidate met 10 onderskeidings elk, Suné Grobbelaar en Darren Maree. Die skool het vir die 25ste jaar ’n 100% slaagsyfer behaal en het 23 leerders wat elkeen sewe of meer onderskeidings behaal het.

 

 

Get the school leaving Grade 12 equivalence certificate that you need for your future success.

ADVERTORIAL

 

Harnessing the power of online teaching for a personalised learning experience, Boston City Campus & Business College is proud to announce its affiliation with American GED Testing Service with the intention to provide more South Africans with a Grade 12 equivalency certificate.

“Today it has become critical to obtain a high school certificate, without it the likelihood of landing a quality, successful career is nearly impossible. For example at retail stores like McDonalds, even flipping a burger patty requires a matric certificate,” says Ari Katz, the CEO of Boston.

Katz adds that for young people entering the workforce for the first time, the GED certificate assures future employers that the employee has attained a required level of competency. For older adults, the    GED may allow them to move to a better paying, more secure workplace position. Since many companies have instituted policies that all employees must have matric or equivalent, some existing employees now have to attain their grade 12 equivalence in order to keep their jobs. “This GED programme provides them with the ideal opportunity to continue earning while they learn, and complete the grade 12 equivalence”, says Katz.

“Too many people who don’t have a grade 12 equivalence certificate are discouraged by the thought of taking up schooling again. The thought of sitting in a classroom of teenagers doesn’t sit comfortably with them. This definitely isn’t the case when registering at Boston. Our students get their GED credential by studying at one of our 44 campuses or online, and this can be done by studying for just a few hours a week for eleven months,” says Katz.

Forget about the one-size-fits-all classroom setup, with Boston everything a student needs is online-teaching, practice tests, books and tutors; and tutors monitor student progress continually making sure no-one falls by the wayside,” adds Katz.

One of the greatest advantages of the GED system is that learners study one subject at a time. They master their studies in that subject before attempting the exam. They then write the exam and move on to the next subject. Once students have completed their test preparations, the next step is to take the GED test in which learners assess their academic skills and knowledge in the basic subject areas of reading, writing, math, science, and social studies.

Because the learners are closely monitored, they will only book their final examinations when their test scores are up to speed. This vastly increases the final result, practically ensuring a pass in the final exam.

Ultimately, having successfully completed a GED test enables students of any age to reach a higher platform of educational achievement and to gain numerous personal, financial and social benefits.

Angela, a student at Boston says, “I found the course very easy to follow, the way they have structured it, with the virtual classes is amazing.  The service from Boston is exceptional, my questions are answered immediately, and there is always support when I need it.”

“Various studies have shown us that because the GED sets the wheel in motion to future achievement academically and financially, GED-holders have more future earning potential throughout their lifetimes.  Hand-in-hand with financial stability come the benefits of a healthy bank account and good credit,” concludes Katz.

To find out more about Boston’s new International GED and its programs that make learning fast and simple, please visit www.boston.co.za or call the Pretoria North campus on 012 546 7798.

 

Waarom beroepsvoorligting nodig is vir die regte loopbaan- of studiekeuse

Almal wat hom kontak vir ’n afspraak het een of ander probleem rakende loopbaankeuse.

“Dit wissel van leerders wat nie weet wat om te gaan studeer nie en studente wat opskop omdat hulle nie vir die regte studierigting ingeskryf het nie tot volwassenes wat in ’n beroep is wat hulle haat. Die gevolg hiervan is gewoonlik depressie, aggressie, geldskuld en ’n algehele gevoel van nutteloosheid – om nie eers te praat van die ongelukkigheid in gesinne nie,” sê ’n Pretoriase bedryfsielkundige, Gerhard van der Merwe.

Volgens Gerhard is daar ’n magdom faktore wat ’n mens beïnvloed en ’n individu laat optree soos hy/sy optree. “Baie mense het self-insig en verstaan hoekom hulle doen wat hulle doen terwyl die meeste van ons hulp nodig het om hierdie insig te kry.”

Hy som die belangrikste faktore as volg op:

  1. Belangstellings

Belangstelling en aanleg is nie dieselfde nie, maar belangstelling in wat jy doen is ’n motiveerder om daarmee te volhou of dit beter te doen.

  1. Waardes

Hierdie innerlike dryfkragte, bv, eerlikheid, geloof en dies meer moet in gedagte gehou word wanneer die keuse van ‘n beroep of studierigting gemaak word. Die kanse is baie goed dat indien jou waardes teenstrydig is met wat jy in jou beroep gaan doen, jy ongelukkig daarin gaan wees en nie verstaan hoekom nie.

  1. Jou persoonlikheid

Sekere persoonlikheidstipes gaan outomaties beter saam met sekere beroepe. Introverte vind dit byvoorbeeld dikwels moeilik om spontane verkoopskonsultante te wees. Daar is egter ruimte vir die aanleer van vaardigheid.

  1. Spesiale talente en vaardigheid. Weet jy wat is joune? Hierdie is dinge wat jou kan laat uitstaan en ’n beter kandidaat maak vir ’n pos.
  2. Skaars en kritiese vaardighede. Dit is welbekend dat Suid Afrika ’n groot behoefte aan kundiges in onder meer mediese beroepe, ekonomiese beroepe en ingenieursberoepe het. Dalk kan jy meer gelukkig in ’n ander beroep wees met jou spesifieke kritiese vaardigheid.

“Die rol van die professionele (beroepsvoorligting) persoon is om die bogenoemde faktore (dit is ongelukkig nie altyd al nie) vir jou uit te wys en dan ‘vensters’ vir jou oop te maak om beter beroepskeuses te kan uitoefen,” sê Gerhard.

“Die belangrikste faktor is egter dat jy die persoon is wat die keuse moet maak – en daarmee moet saamleef – met die groot verskil dat jy nou ’n weldeurdagte en ingeligte besluit sal kan neem.”

Vir meer inligting skakel Gerhard van der Merwe by 082 778 3512.

 

Hoogte-en laagtepunte vir Sinoville Polisie

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LITA KOTZE

sapDie Sinoville Polisiekantoor kyk terug op ‘n jaar van lekkerkry hoogtepunte, maar ook van pynvolle laagtepunte soos toe ‘n kollega, AO Ben Strydom op 24 Julie in die uitvoering van sy pligte vermoor is.

“Soms is ons werk baie ondankbaar”, sê Mirna von Benecke, woordvoerder van die Sinoville polisiestasie, “maar die goeie arrestasies en suksesse maak weer op daarvoor. Ons geduld en geloof is egter tot die uiterste beproef hierdie jaar.”

“Wat misdaad betref was van die laagtepunte vir seker die vlaag selfoonwinkels wat beroof is en diefstal uit motorvoertuie a.g.v. afstandbeheerpeutering”, sê sy. Maar die laagste laag was die moord van hul kollega en vriend. Dit het die stasie tot in sy fondamente geruk.

Van die hoogtepunte was die talle arrestasies wat gedoen is, waaronder sestien huisrowers en inbrekers, en tien dwelmhandelaars. Van hierdie verdagtes het ‘n lang lys van misdade gehad wat poging tot moord, besit van gesteelde eiendom en besit van ongelisensieërde vuurwapens en ammunisie ingesluit het.

Tydens een van die dwelm-arrestasies is daar op dwelms ter waarde van R11 000 beslag gelê. “As mens die waarde van al die dwelms waarop ons vanjaar beslag gelê het bymekaar tel, kom dit by ‘n aardige bedraggie uit”, sê Von Benecke.

Een van die hoë profiel sake waarby die Sinoville polisiekantoor betrokke was, is die arrestasie van die bekende Marilize van Emmenis – wat destyds in die video verskyn het in die Joost van der Westhuizen debakel – en haar kêrel, Wayne Ackerman, wat ook vir dwelms gearresteer is.

Dan is Laerskool Stephanus Roos se inbreker ook vasgetrek. Toe hy in Maart vanjaar by ‘n klas ingebreek het, is hy op kringtelevisie vasgelê. Hy is in November gearresteer. Verder het die polisie tydens verskeie skoonmaakoperasies dinge soos juwele, panga’s, dwelms, skroewedraaiers, skêre en verskeie ander huisbraaktoerusting in velde gevind en op beslag gelê.

Skole en kleuterskole in die Sinoville polisiëringsgebied is ook besoek om die band tussen die SAPD en die jeug te versterk.

Namens Sinoville Polisie versoek Von Benecke die gemeenskap om uiters waaksaam en veiligheidsbewus te wees. “Maak seker u voertuig se deure is gesluit wanneer u by sentrums parkeer, moenie persoonlike items op sitplekke sit waar grypdiewe dit maklik kan kry nie, hou u huis se deure en hekke ten alle tye gesluit, moenie straathoekverkopers en -bedelaars bemoedig deur hulle te ondersteun nie, dis hulle wat ‘n selfoon of skootrekenaar gryp wat in die oog is.”

 

 

Pavement dangers emerge with contractor gaps

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LISA DEWBERRY

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Photo by Lisa Dewberry

Residents of the east of Pretoria are concerned about dangers emerging from incomplete excavations in their suburbs allegedly due to municipality contractors not being appointed in advance or not coordinated to complete their part of a project straight after each other. Siobhan Muller, councillor for Ward 82, says pavements are being dug up with ditches and holes not filled in because the municipality waits to implement the tender process for a project only once the current contract expires.

According to her, this creates a four to six month standstill where services are not delivered because no contractor has been appointed which results in dangerous situations being left unattended while the tender process is being followed. Muller says nothing gets fixed during the period where no contractor has been appointed and it is a total breakdown in service delivery.

“The municipality should start the tender process before the previous contacts expires and all contracts should be put on a notification system so the municipality is notified six months before a contract expires. This will prevent a gap between contractors doing their part of the job. All contractors working on the same project should also be coordinated to do their jobs immediately after each other,” she says.

Logan Govender, resident of Ashlea Gardens, says a water pipe burst on the corner of Matroosberg and Maria Bronkhorst Streets possibly due to corrosion on 3 November. He says the pipe was repaired the same day but the hole on the pavement has not been filled or the pavement repaired to date.

“The hole is dangerous as it is open for anyone to fall into. With the recent rains the hole has been in a terrible state making the roads and pathway muddy and slippery. We are wondering how long it will take before the hole is filled up and want the municipality to deliver services since we pay our taxes,” he says.

Werner Nieuwoudt, resident of Lynnwood, says on the corner of Elizabeth Grove and Central Park Roads, contractors started digging a long ditch and a hole on the pavement in Lynnwood on 1 September which has been left open and unattended. He says it is a hazard for pedestrians and children riding their bicycles.

“The ditch is becoming a dumping site where people leave their litter and is now starting to grow grass. I am wondering why this area has been dug up and left unattended. The municipality needs to complete their work as it is a danger to people in the area,” he says.

Lindela Mashigo, spokesperson for Tshwane municipality, confirms that regarding the hole in Ashlea Gardens, final approval is still needed from the executive acquisition committee of the contract to appoint contractors and for backfilling and paving repairs to be done. She says the municipality has a notification system to warn when a contract will expire and the process for the Ashlea Gardens hole was implemented by the Water and Sanitation Division prior to expiration of the contract. Mashigo adds that the ditch in Lynnwood is being investigated by the service infrastructure department so the issue can be resolved speedily.

 

 

SIZZLING HOT TARIFFS

imagesThe economy in South Africa is still very depressed.  The inflasion rate shows a downward tendency and interest rates most probably would only start rising at a very slow rate towards the end of 2015.

Due do the fact that the equity market is very volatile, conservative investors prefer to have a guaranteed return.

Sanlam has a special offer on guaranteed investment plans –  7% per year guaranteed for a 5 year period*.  Some banks also offer an almost similar rate – the difference being that on Sanlam’s investment plan the guaranteed amount is tax free in the hands of the investor.

That makes this an excellent opportunity for people who has a high marginal tax rate e.g. 40% tax rate means that 7% tax free return represents an 11% pre-tax interest rate.

Not only is the growth and return not taxable in the hands of the investor, capital fain tax will be paid by Sanlam.  At maturity the investor has a choice to leave the plan with Sanlam for further tax free capital growth or tax free income.  Withdrawals can be made at any stage after maturity date.

This investor can appoint a beneficiary so that in event of death, the money will not go to the estate thus saving 3,99% on executor’s fees.

The investment is also suitable for a trust.

* T&C’s apply.  Tariffs may vary from week to week.

To assist you in your efforts and for more information on portfolio analysis and investment/retirement planning contact  Elsabe Smith, a certified financial planner and a Fellow of the Internationally Affiliated Financial Planning Institute. Previously, for two years in succession, she was the top investment advisor in Sanlam, Gauteng North. She has also received the sought-after Golden Eagle reward from Sanlam for maintaining excellent performance and service levels. Via the Sanlam Glacier platform clients can access funds of Allan Gray, Investec, Coronation, and other asset managers.

Contact numbers:  Tel:  012 470 0414/470 0113

Fax: 086 516 3401 / Cell: 082 550 1302.    E-mail: esmith@sanlam4u.co.za

Address:  Sanlynn Building, c/o Lynnwood & Sanlam St, next to Glenfair Shopping Cent

Tasse vir behoefdige graadeens

Mareli Prinsloo (links) en Estee Croukamp (regs) het gehelp om die tassies te pak. Foto by Dorothy Wye

Solidariteit Helpende Hand takke het die laaste naweek in November bymekaar gekom om meer as ‘n 1000 skooltasse bymekaar gekry en gepak vir behoeftiges wat in 2015 graad een gaan aanpak. Die tasse bevat al die nodige toerusting om die skool jaar te begin . As ook n leesboekie wat ekslusief vir helpende hand geskryf is.

.Publiek kon ook n donasie maak van R200 en dan self ‘n tassie pak. Die tasse is by Kolonade Retail park gepak. Die projek was ‘n reuse sukses en daar gaan in Januarie 2015 sowat 4750 skool tasse landwyd by laerskole uit gedeel word

 Mareli Prinsloo (links) en Estee Croukamp (regs) het gehelp om die tassies te pak. Foto by Dorothy Wye

Mareli Prinsloo (links) en Estee Croukamp (regs) het gehelp om die tassies te pak. Foto by Dorothy Wye

Tips to avoid online fruad

Keep your funds yours this season
Tis the season to be jolly careful when it comes to online shopping

A list from Pay U of common fraud threats and the best tips for avoiding them, during Christmas.
What to look out for:

1. Phishing and Spoofing – Links in the email that take you to a fake website.

2. Identity Theft – By using ID numbers, passport details, addresses and dates of birth fraudsters can open fake bank accounts or shopping carts.

3. Social Engineering – The fraudster can use social media to get to know a person trick them into handing over their personal details.

4. Hacking and viruses/spyware – official-looking email or files and apps can be used to spy on individuals.

5. Scams – Malware-filled apps, fake eCard sites, fake travel agencies, fake online adverts and even fake charities can abound over Christmas.

10 ways to avoid becoming a victim:

1. Visit sites of South African banks and payment organizations to be informed  of the latest phishing, spyware and spoofing scams.

2. Always check the URL name of the link.

3. Install well designed security software.

4. Research the site.

5. Check the URL again.

6. Use reputable payment solutions.

7. Visit the site directly or give the business a call if you get a link.

8. Use complex passwords on all devices and for all online accounts.

9 Don’t hand out login details over the phone

10. Check bank statements regularly to make sure there are no suspicious transactions.

Fun filled day for Charity

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SHINGAI MILO

Tgyer Valley College’s annual market day took place on 21 November at the school for third grade learners.

The fun-filled event included the kids dressed in colourful casual clothing, sweet sale  stands, massage stands, tug-of-war and many other games providing entertainment for the kids.

“The Grade 3’s are asked to sell their own goods to teach them a little bit about working with money and how a small business is run. In the process they also gave 10% of their earnings to a charity,” said Mrs Lauren McNocher who is in charge of Marketing and Admissions at the school.

The 10 percent goes to a charity of choice every year and this year it went to Tshwane Place of Safety.

“Students had to come up with their own ideas on what to sell, they had to make or buy the items they needed and then they had to set up their own stall on the day. The parents were allowed to assist them in the making and selling of their goods. The learners also had to make their own posters to advertise their goods.” Mrs McNocher continued.

Abba house Christmas treat.  

Abbott’s packed 60 gifts for Abba house

SHINGAI MILO

In line with their motto of ‘caring’ Abbott’s College embarked on their Santa Shoe Box Drive, giving presents to the children at Abba House in Kilner Park on  28 November

The students from the college packed each present for the children according to age and gender.

“This was an initiative for acting out our motto of caring, we asked our students to actually fill the boxes, and to put something specific in the boxes, something soft, something to wear, something nice and sweet, something special and something to keep.” The Principal of the school Mr Jansen Van Rensburg said.

“I am as excited as the kids, this is our first Christmas party here at Abba house, I always tell people everyone can be involved whether it is adopting the kids or taking care of them,” said Mrs Sylvi Bodemer the managing director of Abba House.

 

Abbott’s packed 60 gifts for Abba house

Abbott’s packed 60 gifts for Abba house

 

 

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