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Distrikspos
Sake Business
16 Mei, 2013
"USINESS -!),
Ferrari koors hardloop hoog in die Strand GERHARD DE JAGER HELDERBERG SAKEKAMER Die Helderberg Sakekamer bedank die Strand-gemeenskap vir die terugvoering na die vorige artikel oor die toestand van die Strand se strandfront. Volgens kommunikasiebeampte Gerhard de Jager, is die sakekamer oorval met meer e-posse, sms’e en oproepe as wat hulle kon voorspel. “Dit is fantasties om te sien hoe passievol die Strand se sakemanne en inwoners is oor hulle dorp. Die terugvoer was geweldig positief van aard, die gemeenskap besef dat as hulle nie self betrokke raak nie, dan sal niks gebeur nie,” het hy gesê. Na ’n in-diepte gesprek tussen die sakekamer en Grant Goodwin van Friedman en Cohen, was die gevolgtrekking dat die Special Rating Area-projek reeds afgeskop het en dat die wiele reeds draai om gebou eienaars, ongeveer honderd en vyf-
tig van hulle saam te snoer om die Strand se sakekern te beveilig en te vernuwe. Die projek word deur Gene Lohrentz van Geocontric Information Systems bestuur. Besoek www.cityimprovement.co.za/strand vir meer inligting oor hoe die projek die gemeenskap gaan raak. “Wat die Straatmark aanbetref is die Strand in vir ’n besonderse bederf. Julie maand word die eerste sooie gespit vir ’n nuwe moderne straatmark fasiliteit waarop ons kan trots wees,” spog De Jager. Hy sê verder dat daar ook organisasies soos die Helderberg Vroue Kring is, wat aangebied het om ’n moontlike projek aan te pak om die Strand-treinstasie te verfraai om verbruikers se reis ondervinding op te kikker. “Kom ons kry al die Strand se probleme in ’n publieke gespreksforum sodat ons dit een vir een kan hanteer.” Stuur enige voorstelle, klagtes en raad aan De Jager by navrae@sakekamer.org.za of 082 922 2024.
In ’n vorige artikel van Gerhard de Jager, beskryf hy die pier in Kusweg, Strand as ’n “twispunt en ’n onooglike gevaar vir mens en dier”.
Social media talk at next Business Connect A golden networking opportunity awaits at the next Cape Business Connect network breakfast, “Social Media Bonanza” on Wednesday 22 May. Whether you need a general introduction, have a specific question, need to figure out how/when/where to fit social media into your marketing mix or want to know how to get the most out of Facebook, this meet-
Marla Nortjé
Retirement income: part 3 Remaining two asset classes: cash/bonds
required
Logista Chartered Accountants, prominent auditors in Stellenbosch, has a new position available for an entry level PR Officer to manage their PR and communication within the organisation.
In the final of a three-part article on how to convert capital into income, we will firstly look at generating an income from the remaining two asset classes of cash/ bonds and then how to construct a portfolio using all the asset classes to produce an inflation linked income.
QUALIFICATIONS AND EXPERIENCE: • Marketing Degree / Diploma or Public Relations Degree/Diploma / Certificate • Knowledge of accounting or the accounting industry will be an advantage • Candidates with 2 years experience preferred • Own transport and license SKILL REQUIREMENTS: • Any experience in PR/Marketing • Good written and verbal skills • Fully bilingual • Highly presentable • Ability to plan, organise and control • Self-motivated and disciplined
before 31 May 2013
2013 S 1C7GBA049
Basic salary from R4 000 to R6 000 p/m plus Commission (CTC) Please send an updated CV to
and is scheduled to start at 08:00 till 09:30. Cost per member is R110 and visitors R140 which includes a twocourse breakfast. To secure your seat and for further details phone Sylvia Malinowski on 082 454 9475. “Dont forget your business cards and a gift for the lucky draw,” said Malinowski.
COLUMN
Entry Level PR Officer
careers@succeedgroup.co.za
ing will offer all those answers. Each one of the speakers will focus on a specific aspect and, together, will be sharing a wealth of expertise. Guest speaker Marla Nortjé will deliver a talk entitled: Social media: Powerful marketing tool or time and privacy thief? The meeting will take place at NH Lord Charles Hotel, Somerset West
Most people already understand how they earn an income from cash, which is simply the interest rate payable by the bank. The interest received is fully taxable excluding the first R23 800 per year for those under the age of 65 and R34 500 for those 65 and older. Bonds are a little more complicated in that investors not only earn an income from interest, but can also generate a potential gain or loss of capital – but this is beyond the scope of this article.
What is important is that there is no growth on interest income. If you recall from the two previous articles both shares and property are able to grow their income and it is this growth in income, which drives capital growth. Annual inflationary income growth from a cash and /or bond investment will need to come from capital, which erodes the capital base. An investor requiring an income from capital must expose the portfolio to shares, property, bonds and cash in order to ensure inflation-linked income for life. The following investments observations provide guidelines for constructing a portfolio: 1) Each client needs to plan for a range of lifestyle events that require cash. 2) In order to achieve these objectives each client’s investment port-
folio needs to earn a real rate of return (that is a return above inflation). 3) Risk is a function of time. 4) Investment time horizons are determined by cash-flow needs and financial plans are an aggregation of time horizons. 5) The longer the investment horizon the greater the capacity for risk. 6) Systematic and dynamic risk management must be applied to shortening investment time horizons. Or in plain English you need to match your future income and expenses requirements with how your portfolio is invested on a risk/ return time-horizon basis. If this still doesn’t make sense then speak to a certified financial planner and ensure that your current assets will match your future liabilities. In other words you won’t run out of money!
Mark Williams Mcomm, CFP, HDipTax 0 021 851 3746 2 mark@synfin.co.za