Jozi advertiser aug 2014

FREE COPY | READ Jozi Advertiser ONLINE: www.joziadvertiser.co.za | Like ‘Jozi Advertiser” on Facebook

OZI ADVERTISER

Joburg Central, Joburg South, Joburg North, Hillbrow, Berea. Parktown, Haughton, Yeoville & Braamfontein EMPOWERING BUSINESS, EMPOWERING OUR READERS, NETWORKING THE COMMUNITY 29 Aug - 11 Sept 2014 www.joziadvertiser.co.za

I

admin@joziadvertiser.co.za | Tel: 081 575 8393 | Fax: 086 520 1287

Mall Hits On The Rise

SEND AIRTIME GIFTS TO OVER 60 COUNTRIES

Details on Page 07

From As Little As

R30

New Self Healing Paint for Cars

Page 07

Government Will Not Nationalise Pension Funds Page 05

Call for ART

Page 03

EXPOSED! 12 Myths about credit 06 reports FREE BUSINESS SEMINAR 02

Up Coming Show Reality 7 Live DVD Recording 27th September 2014 Standard Bank Arena Tickets Available at Computicket @ R150 (Shoprite | Checkers etc)

Cd’s Available @ R120 Call: 073 374 2392 Be Part of the LIVE DVD RECORDING

02 More News at: www.joziadvertiser.co.za

Jozi Advertiser

August 2014 New Vehicle Sales and Exports

V

ehicle Sales and Export Comments.

The August sales performance of 55722 was 3.25% down on July and 1,4% down on August 2013.Year to date sales are now 4.3% down on the same period last year. Exports are up by 18.5% on the equivalent month last year but still down by 16.3% year to date. Most of the year to date decline can be ascribed to Mercedes Benz C class replacement being set up for production, the discontinuation of an export model by a major manufacturer and the industrial action.

It is expected that the improvement will continue in the remaining months as the C Class production is resumed and the industrial action now resolved. · Passenger vehicles sales, which accounted for 68.11% of the total, decreased by 5% on July, while total commercials showed less than a 1% gain. · The car rental industry contributed strongly by taking up 13.1% of the sales, industry corporate fleets took up 3.6%, government 3.5% and sales through dealerships 79.8%.

This mix change at this time of the year is traditional as rental companies re-fleet. · The overall daily sales rate for August was 2653, well up on July's 2504. · New vehicle sales have held up relatively well, but above inflation price increases this year favours a shift towards used vehicle sales.

Vehicle Finance Comments · Virtually all new vehicles are now financed over a 72 month period with only the used vehicles impacting the average term marginally. The main driver behind this is affordability, but it has the downside of an ever-increasing average contract period which will continue to lengthen the replacement cycle.

· The percentage of applicants requesting balloon payments remained stable in August. · The last update at industry level of vehicles financed, at the end of July, shows the used car contribution at 1.8:1. The average for the first seven months of the year is 1.62:1, with an average of 1.58:1 in 2013, well below the level of 1.75:1 achieved in 2012. · A total of 183563 used vehicles have been financed in the first seven months of 2014. financed in the same period The number of new vehicles financed in the period January to July 2014 was 113344. · Comments and statistics on applications received and electronically scored by Absa in August; - We experienced a modest increase in the number of applications received and a stable approval rate.

- Applications received and scored with a 72 month finance term =83% - Applications received and scored with balloon payments =21% Industry Outlook · NAAMSA's view is one of a decline of 4,6% to around 621 000 units from a total of 651 745 units sold in 2013. · Interest-rate sensitive sectors in the economy, such as the vehicle sector, will be impacted by the strain on affordability resulting from a predicted further rate increase in September.

Further interest rate hikes will negatively affect the affordability of and demand for vehicle finance. · The entry-level passenger car and new model releases are likely to continue to be the main contributors to sales in 2014 · Higher new vehicle price inflation, currently at 7% for Q2 2014, will impact the affordability of new vehicles and have a positive impact on used vehicle sales. The current used vehicle price inflation is at a level

of 1%. · New vehicle export growth will be driven by global demand, which is expected to grow on the back of improved world economic growth, as well as manufacturers' export programs and an expected weaker rand exchange rate compared with 2013. Although now well behind the equivalent period last year it is expected that the second half of 2014 will be buoyed by exports of the new Mercedes-Benz C-class Consumer Outlook · Given that many consumers are still highly indebted and finding it difficult to obtain credit for higher priced vehicles, demand for favourably priced entry-level vehicles and good quality used vehicles will remain strong. · The current high fuel prices will keep consumers focused on buying more fuel efficient vehicles, with future fuel price trends remaining heavily dependent on movements in the international oil price and the $/R exchange rate.

Factors Impacting Vehicle Sales · In general, vehicle sales are affected by the following factors, a number of which are now trending negative: – Vehicle price (exchange rate, taxes, input costs) – Household finance (household income, employment, inflation, ratio of household debt to disposable income and consumer credit risk profiles) – Vehicle finance (interest rates, banks' lending criteria, legislation) – Transport cost (fuel price trends, tolls) – Economic performance and vehicle demand and supply (global and domestic economic growth, exports and workforce stability) Issued by: Wessel Steffens

ADVERTISING / ADMIN Telephone 081 575 8393 / 011 056 8653 admin@joziadvertiser.co.za NEWS 081 575 8393 / 011 056 8653 admin@joziadvertiser.co.za CELLPHONE 083 512 7096 EMAIL admin@joziadvertiser.co.za GENERAL Press Releases, Articles & Letters Fax: 0865201287 Email: admin@joziadvertiser.co.za Website: www.joziadvertiser.co.za ADDRESS 84 President Street / Kruis 525S Markade Bldg, Jozi, 2001

TALK TO US SMS Jozi + Comment to 33813

Jozi Advertiser Newspaper is available in and around Johannesburg FREE Fortnightly at the following outlets:

SELECTED STORES AND SHOPS WITHIN THE SURROUNDING SUBURBS TO KEEP Jozi Advertiser IN YOUR SHOP Call / SMS / WhatsApp us on: 081 575 8393 / O/H only!

Samson Ndlovu (Bheki Mkhwane - R) is back in Isibaya.

The cakes will crumble! He is seen here standing with the Westman (Austin Moyo Snr -L), Fezile Khumalo (Andile Mxakaza) and Eastman (Lucky) during one of Isibaya shoot sessions.

@joziadvertiser WhatApp Jozi Advertiser

29 Aug to 11 Sept 2014 .Vol 2. Wk 35

084 335 6754

A member of:

Qeda Inyongo (Acid) Emzimbeni

See Power 4 on Page 07 for a solution

Monday 1 September 2014 The Zungu yard is mourning. Mkabayi comes to an understanding about Qondi's situation. Shadrack seeks revenge.

Tuesday 2 September 2014 The coffin arrives at the Zungu yard. Mpiyakhe gets an unexpected call. Sihle and Zweli continue their investigation. Pam receives some bad news.

Wednesday 3 September 2014 S'khaleni seems to be out of control. Shadrack comes clean to Mpiyakhe.

Thursday 4 September 2014 Shadrack takes matters into his own hands. Josie reveals the truth to her daughter. Shadrack makes an offer. Pam risks her life.

Friday 5 September 2014 Lerato stops Shadrack from making a bad decision.

Ndoda's plan is now out in the open. Josie's actions leave those close to her speechless.

Monday 8 September 2014 S'khaleni and Ntandane plan something drastic. There's tension as Phumelele prepares for her trip. Mandla shares a little too much with the chief.

Tuesday 9 September 2014 Shadrack has a guilty conscious. Bhekifa seems set on his decision. Pam and Ntandane arrive when it's too late.

Wednesday 10 September 2014 The yard is reeling after last night's events. Shadrack puts his life at risk. Mpiyakhe realises what has happened.

Bhekifa explains his philosophy.

Thursday 11 September 2014 Blade tests the waters with Zweli. Mpiyakhe tells the truth while Mehl'mamba finds evidence. Khanyi makes a great discovery.

IsiBaya is on Mzansi Magic Mondays to Fridays at 20h30.

Season 1 is on Mzansi wethu Mon - Thur & Sat Omnibus Coutesy: tvsa.co.za

03 More News at: www.joziadvertiser.co.za

Jozi Advertiser

29 Aug to 11 Sept 2014 .Vol 2. Wk 35

“

Growing up in a rural village I never dreamed I could own my own business.

Then one day I went to a learnership seminar held by SANRAL. I learned to build access roads and after qualifying I was awarded a contract to build roads for SANRAL. Now, I have 12 people working for my company.

These people can now feed their families.

”

3549/3

We are committed to growing SMMEs and creating entrepreneurs like Nkazie Sicaba, because we know that growing skills for better roads makes for a healthier economy.

www.sanral.co.za

Call for Art 2nd Annual SANRAL Chekicoast Road Safety Art Competition T

he South African National Roads Agency SOC Ltd (SANRAL) announces its2nd annualChekicoastRoad Safety Art Competition.

Promising student and learner artists are encouraged to submit art entries of their road safety creations made on A3 cardboard, paper or foam board illustrating how we can best share roads, respecting all road users whether on foot, in cars, on bicycles, or driving large trucks.

This year's 'Roads are yours, roads are mine, roads are ours' theme seeks to amplify the messagethat South Africa's roads are owned by all South Africans and must be

shared.

“Each of us has equal rights to use our roads and we count on each other to make the journey safer and smoother,” says Elna Fourie, Road Safety Education & Awareness Manager at SANRAL. “This must be what drives submitting artists' interpretation and illustration of road safety issues in their created works.”

Categories range from foundation phase - Grade R-3 and Grade 4-6, Grade 7-9, Grade 10-12, and university students year 1-3.

Winners in each category stand to win a R5000 gift voucher while the overall winner of the competition

stands to win R25 000 in cash.

The competition closes on 30 September 2014, and all artwork must be sent or delivered by this date.

SANRAL encourages entries from learners and student artists – whether fledgling or experienced artists.

All entries need to be properly identified, providing name, grade, name of school or universityand contact information in pen on the back of the artwork. University students need to submit with their artwork proof of registration at a South African tertiary institution.

“This is an inspiring initiative and we call on all entrants to add sufficient elements that link to the theme, while making use of correct traffic signs and signals.

“We were so impressed with the calibre of entrants from the inaugural competition that we look forward to this year's submissions which will no doubt represent exceptional artists while in turn assist in entrenching responsible behaviour in all road users,” says Fourie.

Important dates for participating entrants Art Competition opens 25 August 2014 Deadline for receiving entries 30 September 2014 Announcement of the Winners 13 October 2014 The prize giving will be held at a gala event scheduled for Cape Town during the month of October 2014, awarding the six categories.

All entries are to be hand delivered or posted for the attention of Mrs HS Fourie at The South African National Roads Agency SOC Ltd. Postal Box 415, Pretoria, 0001.

04 More News at: www.joziadvertiser.co.za

29 Aug to 11 Sept 2014 .Vol 2. Wk 35

Jozi Advertiser

Mall Hits On The Rise In the wake of yet another mall robbery, Gauteng Police Commissioner Lesetja Mothiba’s office has announced that he will brief the media on the mounting number of armed robberies in malls in Gauteng.

In the latest incident, a group of armed men robbed a cellphone shop at the Glen Shopping Centre, making off with an undisclosed amount of money.

According to an Eyewitness News report, nobody was injured during the robbery.

Gauteng has been hit by a number of mall robberies over the past month.

The Timberland store at the World Wear Shopping Centre in Fairlands was hit on Thursday 4 September. A gang of robbers struck a Telkom store at Eastgate Shopping Centre on Wednesday, while on Tuesday a Telkom store in the Kolonade Mall in Montana,

Pretoria was also robbed.

Last Monday Maponya mall in Soweto and Northgate mall were hit by a gang of armed robbers. There were no injuries in either incident.

In August, there were robberies at the iStores in Centurion Mall, Cresta Shopping Centre and The Glen. One person was injured when the robbers made their getaway from the Cresta Shopping Centre.

GET UP AND GO!

BENEFITS OF FULVIC HEALTH DRINK Nature's Bridge to a Healthy Body

IFULVIC ikunika amandla. Iqeda ukukhathala okubangelwa ligazi lomzimba elingcolile.

Umzimba wakho othola amandla okulwa.

IFULVIC isiza ukulwa nokungcola okusegazini okubangelwa ukudla okungalungaga.

UZIZWA NGCONO EMAVIKINI AMABILI

Do you yousometimes sometimesfeel feel TIRED TIREDOR ORWEAK? WEAK? Have AND HaveASTHMA ASTHMA AND LUNG INFECTIONS? LUNG INFECTIONS? ARTHRITIS ARTHRITIS PROBLEMS? PROBLEMS? Forced, frequent urine & cannot empty bladder HEMORRHAGIC HEMORRHAGIC FEVER? FEVER? Or you youjust justneed needtoto Or clean your blood clean your blood or need needaan booster or anti-inflammatory anti-inflammatory

DRINK ANYWHERE

ALSO AVAILABLE IN 60 CAPSULES

ONE MONTH SUPPLY BOTTLE

Immune Booster, Strengthen your body Naturally, Enjoy a healthy Life FULVIC IS FOR EVERYONE FULVIC Humic extracts are the most effective natural treatment against *IS SAFE FOR ALL viruses of ALL kinds. Comprehensive studies show that Humic *HALTHS CANCER GROWTH extracts are effective against common cold and flu viruses, including respiratory tract viruses, retro-viruses, influenza *IS A HUMIC EXTRACT viruses, herpes simplex viruses, just to name a few. *HELP KILL HIV VIRUS

TO ORDER: JOHANNESBURG 083 212 7009 / 0996

05 More News at: www.joziadvertiser.co.za

Jozi Advertiser

29 Aug to 11 Sept 2014 .Vol 2. Wk 35

MEC to open a school every week Government Gauteng MEC for Education, Panyaza Lusufi, has announced that from next month his department will open a new school every week, until the end of the year.

Speaking at the launch of a new high school in Soweto, the MEC said in total 17 schools will be opened in a bid to ensure that every child in the province gets education closer to where they stay.

“We want every child to get a good education in a good school,” he said.

He added that his department was determined to ensure that every learner in the province was able to compete at international standards.

MEC Lesufi and Gauteng Premier David Makhura handed over the

newly built Freedom Park Secondary School in Devland, in Soweto, on Thursday.

The new school, which will accommodate about 1000 learners from the area, will be open for learning during the fourth quarter of the year.

The state-of-the-art school boasts 25 classrooms, three laboratories, a computer room and a library.

It further features a sports facility building, soccer or rugby ground, canteen and courts for netball, tennis and/or basketball.

MEC Lusufi appealed to the local community to take good care of the school.

Mandla Sithole, a parent who came to witness the handing over of the new school, told SAnews he was grateful for the school as it will reduce the long distances learners have to travel to neighbouring townships to get to school.

“It is a big relief,” he said.

Gauteng Premier David Makhura told the community members gathered at the event that the school reaffirmed government’s commitment to provide state of the art infrastructure to communities which have been previously under serviced.

“We are still going to build more schools, houses and hospitals,” he said. – SAnews.gov.za

Will Not Nationalise Pension Funds Government once again reassured South Africans that it has no plans to nationalise people’s hard earned pension funds.

It should also be noted that those cashing out their pension or provident funds before retirement will not only get less money than they would had they preserved, but they may be taxed on early withdrawals and no longer enjoy the tax advantages.

The various retirement reform proposals seek to: Encourage individuals to provide adequately for their own retirement and the needs of their dependents and to provide for retirement funding as part of the remuneration contract.

Make retirement funding arrangements cost-efficient, prudently managed, transparent and fair.

For more information contact: 0800 117 669.

SANRAL celebrates women in infrastructure development The empowerment of women in infrastructure development was reinforced and celebrated at a roundtable discussion hosted by the South African National Roads Agency SOC Ltd (SANRAL) to commemorate Women's Month.

The event was addressed by Deputy Minister of Transport Sindisiwe Chikunga who emphasised that women must play a more important role in the economy of the country.

"Traditionally, women and engineering were not two words that went together. But that older world ethos has changed. From a base of 20 or so a decade ago, there are about 1000 women engineering undergraduates currently studying at South African universities and technikons.

"However, despite the progress made in closing the gender gap and making more opportunities available for women in business, South Africa's construction industry is one place where being a woman is still a major challenge," said Chikunga.

Cont. Page 06

06 More News at: www.joziadvertiser.co.za

29 Aug to 11 Sept 2014 .Vol 2. Wk 35

Jozi Advertiser

Jokes | Quiz | Jokes SANRAL celebrates women NB: Jokes & Puzzles are brought to you as they are Cont. from Page 05

without editing or correcting the grammar SEND JOKES To 084 335 6754; SMS / WhatsApp / MMS; Email: admin@joziadvertiser.co.za Ngithole ista1 Uzandiswa ubuya eskolen kungunyaka wakhe wokqala ujabule uyafa. . .mayfik ekhaya ukhanda ubabakhe ehlezi nendoda engumakhelwane Zand: baba umnganam untando unesta2 mina ngithole ista1 ,,wena baba unestaban?

Bab: angnastaban ngnendoda auboni yini !!esho ngesankahlu. .

Bhuuuu. . .phans indoda engumakhelwane Zand: akhiph ijotha abonis ubabakhe ista esbhalwe ngumis A young girl prayer A young girl pray:please god may i got married to an intelligent man?

God replied:thats impossible my girl,because intelligem men don't get married. once beaten twice shy . . . . . . . ......zobala kabili okwesibili ngyakshaya uGqalane kwakuyisidomu esixakayo njalo esalela emuva kwath ngelinye ilanga kubhalwa itest ay yashaya inkunz malanga 10/10 kwachwaza iklasi wabe seshilo uthisha wakhe "ha ha ha ha hamba Gqalane" uGqalane wathath incwadi wahamba Abazalwane U Gcina Mgcinory usenkonzweni yisonto uyashumayela kugcwele phama endlini...

Mgcinory: Bazalwane if sonke singenza njengo Mathewu,ey iqhawe lensizwa ubufishane bakhe abumvimbanga ukuthi abone u Jesu,kepha wenza i plan wagibela esihlahleni Amen., Abazalwane: Amen **besholo phansi abanye benikina amakhanda** Mgcinory:"Waqhubeka eyibeka indaba ngobuqhawe buka Mathewu"...

Ay kwabonakala umfundisi esukuma eyomhlebela wabuyela e

pulpiti...

Mgcinory:Bazalwane ngenze iphutha kodwa ngzolilungisa **ehla emthini Mathewu ngikugibelise ngephutha ndoda,indawo ka Zakewu leyo Amen**...

Abazalwane:Ameeeen **kuchwaza indlu yonke,abanye beshaya izandla**... ?#?Ndakazingiology?

Fact=fat Sisekwarini n Lindi jst walk in.

Ay abone mina ngimenoBrian.

She came 2 us.

Lindi: Brian unjan Brian: ngiyaphila sis Lindi: uyathanda ukudanca mf2 Brian: (evumela phezulu futh esineka) yebo Lindi.

Lindi: okay, bengicela uyodansela lekude ngifuna ukukhuluma noSyanda Boy sitting with Girlfriend in his BMW BOY: There's something I have to tell you, I havn't been honest with you.

GIRL: What?

BOY: I'm married and have kids GIRL: Wheeemaahhh!

Wangithusa, I thought the BMW is not yours - khululeka angina nkinga!

Itrip eya eKapa Indoda: Nkosikazi njengoba kuwulwesihlanu ngiyahamba ngiya emhlanganweni eKapa ngizobuya Monday.

Nkosikazi: Mangabe ukhuluma iqiniso, ngifisa sengathi uThixo angahamba nawe akugade akuphelise futhi ungalingeki INdoda: Ngikhuluma iqiniso sthandwa sam Nkosikazi: Kuhle ke uma kunjalo akesikhuleke ngikucelele uhambo oluhle...Baba Mdali wezulu nomhlaba nangu umyeni wam uthi uyahamba ngokomsebenzi uya ekapa, ngimcelela uhambo oluhle Nkosi umsingathe

LOL!

NN

N!

kodwa uma eqamba amanga eya ezintombini ngimfisela amashwa wodwa umfulathele, avelelwe yingozi yemoto afe ujuqu angasindi umjezisele ukwephula izethembiso zomshado wethu azenza kuwe Nkosi... Amen!

Uhambe kahle sthandwa sam.

Indoda: Angisahambi!

Who would you call back first??

Imagine a situation where you have : 5 missed calls from your lover 2 missed calls from your mother 6 missed calls from your boss 4 missed calls from your dad 10 missed calls from your ex Be sencere, who would you call back first??

in infrastructure development "To help address the underrepresentation of women, government has invested R3.2 trillion towards infrastructure investment projects with R845 billion earmarked for the implementation of infrastructure programmes.

She said she wanted to see 50% of women in managerial positions and more women engineers working with SANRAL. Nompumelelo Pakade, SAWIC (South African Women in Construction) National President said: "It is imperative that contractor development programmes (CDP) are cemented to promote skills

development. For women empowerment to be sustainable, training needs to be followed by work opportunities. CDPs create an enabling environment for contractor development, allowing for targets to be set, the growth process to be monitored and evaluation to be conducted at the end of a particular period."

"SANRAL's commitment to ensuring women feature very prominently on the agenda of meeting procurement requirements is very reassuring," said Fusi Makhasane, Deputy Chairperson of the South African Network for Women in Transport.

Ubuzo KuThisha Obograde zero bahamba bedonsana beya kuteacher wabo bafika bathi. "miss umuntu ongugrade zero uyamitha?

Uteacher wathi "hayiiii" Okungumnfana kwathi "Angithi ngikutshelile, asihambe siyophinda futhi.

I know the whole story Omunye u Tisha watshela abantwana ukuthi ma ufuna ukwazi ama secret abantu, wothi l know the whole story, uzobona, Okunye kwabantwana kuthe kufika ekhaya kwathi ku mama wakho I KNOW THE WHOLE STORY, umama wahle wakunika iR20 wathi unga tsheli muntu mntanami .

Kuthe kufika ubaba evela emsebenzini kwahle kweqa kwathi "baba ,l KNOW THE WHOLE STORY ubaba naye wahle wakhipha i R40 wathi shiiiiiiii ungatsheli muntu.

Kuthe kubona ukuthi kuyamenzela imali kwaya ku garden boy, nakhona kwafika kwathi l know the whole story.

U garden boy wahlekelela wathi gegegege, bengisaba ukuku tshela uzwe ngobani ukuthi ungumntanami ..

FROM LEFT TO RIGHT Nompumelelo Pakade, SAWIC (South African Women in Construction) National President; Dudu Nyamane, SANRAL Acting Chair; Sindisiwe Chikunga, Deputy Minister of Transport; Marlize Nel-Verwey, SANRAL Project Manager; Fusi Makhasane, SANWIT (South African Network for Women in Transport) Deputy Chairperson and Nomkazimlo Sibaca, a SMME owner who attended the event Issued by the South African National Roads Agency SOC Limited | Email: pressoffice@nra.co.za

Send us pictures and captions of your events and parties etc via WhatsApp to

084 335 6754 Email: admin@joziadvertiser.co.za

12 Myths About Credit Reports Exposed ! @khanyisamedia

Khanyisa Newspaper

The subject of credit has always been surrounded by myths and urban legends, and for years, many people have been confused and sometimes even afraid when it came to learning about credit reports and scores. We'll help take the mystery out of understanding your credit by dispelling some popular credit myths.

MYTH 1: It is a myth that your credit record can only be accessed by credit lenders.

FACT: You can access your own credit record any time you like. This can be done once a year for free from each of the credit bureaus, or for a small fee at any other time during the year.

MYTH 2: It is a myth that you can be blacklisted by credit bureaus if you are a bad payer.

FACT: Credit bureaus cannot 'blacklist' you. All they do is record your credit behaviour, both good and bad.

So this means that a one-sided report showing only negative information is impossible, and

therefore being blacklisted is also impossible.

MYTH 3: It is a myth that credit bureaus are responsible for deciding whether to give you credit or not.

FACT: Credit bureaus do not decide whether or not to give you credit.

They just store information about how you have paid your debt in the past, and on approval, give this information to people wanting to give you credit.

MYTH 4: It is a myth that you cannot challenge your credit report if you think it is wrong.

FACT: If you think the information on your credit report is inaccurate, you have every right to challenge it at any time.

MYTH 5 Once a credit score is bad, it can never be rebuilt.

FACT A credit report is really a credit history, and credit can be rebuilt over time. It doesn't just show the way things are today; it keeps a

record of all credit opened in a consumer's name. It will indicate which items are closed or inactive, but the history remains nonetheless.

Late or missed payments can stay on someone's report for up to seven years. Rebuilding credit means paying on time, looking for better credit options, and learning more about money and credit.

Additionally, the longer a credit history is without negative information, such as late payments, the better. The older negative information is, the less significant it becomes.

MYTH 6 Checking a credit report will hurt your score.

FACT If consumers access their own credit reports, it does not have any effect on their credit scores. Reviewing a credit report results in what is called a “soft pull,” or “soft inquiry,” meaning it will only be seen on a personal credit report. When a consumer applies for credit, the lender will review the applicant's credit report, and a “hard inquiry” will be added. Hard inquiries are shown to other lenders because they may represent new debt that doesn't yet show on a credit report as an

account. Hard inquiries can affect credit scores. Everyone should check their reports at least annually.

It's part of good credit management.

MYTH 7 A divorce does not impact credit scores.

FACT Divorce proceedings don't affect credit reports or credit scores directly. However, the financial issues that are embroiled in the divorce process often involve joint credit accounts, and those very much affect credit history and credit scores.

MYTH 8 The best way to improve credit scores is to pay off all accounts and close them.

FACT It's actually partly true. Paying off all debts is one of the fastest ways to improve credit scores. Closing accounts, though, can hurt credit scores. One of the most important elements in credit scores is the proportion of total balances to the total credit limits. Paying off debts lowers that proportion, improving credit scores. However, closing accounts eliminates some of the

available credit limits, making the balances appear to be higher compared to the overall limits.

MYTH 9 Asking for lower limits will help your credit.

FACT Having sizable credit limits is a good thing for your scores, as long as you don't use them to run up debt. Lenders like to see a big gap between your available limits and the amount of credit you're actually using. A lower limit reduces that gap, which can be bad news for your credit scores. Of course, if you can't trust yourself not to use your available credit, the damage to your credit scores may be the least of your worries. Otherwise, though, you probably should leave your credit limits alone.

MYTH 10 Only credit card companies and financial lenders are interested in my credit.

Find out the answer to this one and more in our next issue. Do not miss out. Your local dealer where you got this copy will assist you.

Source: Credit Bureau Association

07 More News at: www.joziadvertiser.co.za

29 Aug to 11 Sept 2014 .Vol 2. Wk 35

Jozi Advertiser

Self-healing Polymer Restores Itself In Minutes

R

esearchers at Germany's Karlsruhe Institute of Technology (KIT) have developed a self-healing polymer that can mend itself and fully restore its mechanical properties in just a few minutes when heated at low temperatures. The material could be used to create self-repairing sealants, scratch-resistant paints, and more reliable fiber-reinforced plastic components.

Self-healing polymers are extemely attractive materials, but creating the "ideal" polymer is far from easy, and compromises are in order. So far, scientists have mainly approached the problem from two angles: they've either used a network of embedded microcapsules containing a healing agent (which can only heal the material a limited number of times), or materials that can heal

indefinitely because they are bound together by reversible chemical reactions (but need a large amount of energy as a catalyst).

The research team headed by Christopher Barner-Kowollik used a third approach. They created a "switchable network" of crosslinked fibers or small molecules that are bonded by a reversible chemical reaction. The peculiarity of this material is that the fibers can be broken down into their constituents and then reassembled again when heat is applied.

There are several key advantages to the new approach: firstly, the self-healing process can be started by applying either heat, light, or a chemical substance; secondly, the healing requires only a few minutes when applying comparatively little heat (120°C/250°F); and lastly, the mechanical

To Advertise In Jozi Advertiser Call: 083 575 8393 Email: admin@joziadvertiser.co.za

SEND

properties of the material can be fully restored, and the polymer can keep breaking and healing in this way for a theoretically unlimited number of times.

Barner-Kowollik and colleagues also found that their method can be applied to a number of other known plastics, and that it can be used to change the mechanical properties of the materials with a high degree of precision.

Potential applications could include fiberreinforced plastic components, rapid prototyping, adhesives, composite materials, scratch-resistant paints, and self-healing sealants.

The results of the research were published in the latest issue of the journal Advanced Materials. Source: KIT

Paint scratches like this could be healed using KIT's new technology (Photo: Shutterstock)

KING KAYICHO 073 154 1988 You have tried and lost faith and trust in Traditional Doctors?

The King of Muti is here.

King Kayicho is here to wipe your tears and restore faith and trust back in you, King Kayicho has been everywhere in South Africa helping people change their lives. Stop living in poverty while your ancestors can help you. Stop being insecure in your relationship, stop stressing about finding a perfect man or woman, stop worrying about your business if it is not doing well. Stop the bank from reposing your property. Stop diseases affect your life. Stop your man or woman from cheating on you. Stop stressing about being black-listed. Stop worrying for not getting a promotion at work. Stop stressing and living in fear.

Stop losing money to false doctors. Stop being weak in the mind. Stop people taking advantage of you. Stop thieves targeting you. Stop walking, moving around without protection. Spot credit from affect your life. King Kayicho is here to change your lives. King Kayicho will travel any distance in order to help you change your lives.

INTERNATIONAL

For more please contact King Kayicho any time on:

AIRTIME TOP UPS

073 154 1988

TO YOUR LOVED ONES

GUARANTEED HEALTH PROGRAM

Small Gifts In Seconds - INTERNATIONALLY

South Africa

To Over 360 Countries

How does it work?

1. Visit our shop in Hillbrow | 2. Give us receiver’s mobile number and country | 3. Agent tells you top-up amounts available | 4. Your loved one receives your gift in seconds and many more Brought to you by: Provincial Media Economist (Pty) Ltd Tel: 083 212 7009 | Email: transferto@joziadvertiser.co.za | Site: www.transfertosa.co.za Address: 112 Pretoria Street, Hillbrow, Johannesburg, 2001 | Hours: 08:00 to 20H00

CONTACT:

083 212 7009 082 510 7921

Call/ SMS/ WhatsApp

For a presentation: Call / SMS/ WhatsApp - 083 212 7009 now.

SMS “BIBLE” to 33813 anytime daily to get an Inspirational Bible Verse

08 More News at: www.joziadvertiser.co.za

29 Aug to 11 Sept 2014 .Vol 2. Wk 35

Jozi Advertiser

Marketing Agents Needed Send your CV with cover letter to: Email: admin@joziadvertiser.co.za Fax: 086 505 0060

Jo zi B

as

ed !

- Must have previous experience - Target Driven and connected - Good Commission (no basic) - Own Transport an advantage

Qeda Inyongo

(Acid) - Cleansing the Blood - Balancing Levels - Nourishing Cells

083 212 7009

SMS BIBLE TO 33813 TO GET A BIBLE VERSE Stand a Chance to WIN AIRTIME

LOVE HOROSCOPE SMS LH & YOUR STAR SIGN to 33813 E.g. LH Taurus SMS costs R1.50

R500.00

Airtime must be Won!

SMS LOVE TO 33813 TO GET A LOVE MESSAGE

CHECK OUT ALL OUR WINNERS ON OUR WEBSITE: www.khanyisamedia.co.za