Spotong Issue 23

CONTENTS

In this Issue

E T O N S ’ R O T I ED IN THIS ISSUE...

We are in the final months of the year and as we wave goodbye to 2017, we must acknowledge that it has been a busy and stressful year for township traders. The end of the year is always a good time to reexamine and revisit strategies and tactics - both from a business and personal perspective - to prepare for the coming year. Thankfully, every New Year brings with it the opportunity to create a new start with successful outcomes.

This issue of Spotong is dedicated to keeping you moving forward. For the sales-savvy trader, we show you how to create a holiday marketing plan which allows you to give thanks to your customers and increase your sales at the same time. Protecting yourself and your hard-earned cash is important and we highlight the upsurge in investment scams and how to spot them.

and look at the importance of lending money safely within your group.

Technology is getting smarter and we showcase the latest innovative gadgets on the market designed to streamline your tavern and spaza shop.

And of course, we bring you the latest industry news to keep you up-todate, new retail and liquor products to stock up on and special festive offerings for your tavern as you raise a glass to the finer moments and memories of this season.

Wishing you and your family a peaceful, safe, healthy and happy holiday season and a prosperous year ahead.

Enjoy the read Find us facebook.com/ SpotongMagazine

For our Stokvel members, we review the best banking products on the market to suit your Stokvel needs

Twitter @SpotongMagazine

CONTENTS GLF COLUMN 6

The Legal Liquor Battle, Far from Over

NTHA COLUMN 8

NTHA Celebrates Heritage Day

SALTA COLUMN

10 SALTA Focuses on Transformation in the Liquor

Industry and Alcohol and Customer Abuse

MAIN FEATURE BRANDS GIVING BACK 14 Celebrating the Brands Who Make a Positive Impact

in our Communities

BUSINESS MANAGEMENT GENERAL MANAGEMENT ISSUES 20

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Rights to Freedom of Security and Privacy of Shebeen Owners Investment Scams Rent to Own - The Pros and Cons Ethical Waste Management for Township Traders A Sweet Deal for Spaza-Shop Owners from Mondelez SA Be Sales Savvy this Holiday Season

RETAIL SEGMENT INDUSTRY NEWS

Visit: www.spotongmag.co.za

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CONTRIBUTORS

40 Ten Stocks for Summer 44 New on the Shelf

Thabo Thlobelo Charlene Heyburgh Damian Murphy

CONTACT

info@spotongmag.co.za

PUBLISHING HOUSE

SALES

Candy Mukwa Paul Styles Michelle Jones Nicholas Dolomba Kyle William Wentzel Quincy Matonhodze

DESIGN & LAYOUT Janine Louw

PROOFING & SUB EDITING Haley Abrahams Contact Media & Communications Block A, 388 Main Avenue, Randburg Tel: +27(0) 11 789 6339 Fax: +27(0) 11 789 7097 email: pressman@contactmedia.co.za web: www.contactmedia.co.za

CEO & DEVELOPMENT DIRECTOR

PRODUCTION CO-ORDINATOR Gwen Sebogodi

IT AND WEB MANAGER Carmen Petre

REPRO & PRINTING

CTP Printers, Cape Town

Sean Press

Donna Verrydt

Lesley Fox

PROUDLY ENDORSED BY:

SALES MANAGER Chioma Didi Okoro

NEW PRODUCT REVIEWS

LIQUOR SEGMENT 46 Brand New Beverages 48 Winning Liquor Brands

HOSPITALITY

50 Tavern Reviews: At your Service 53 Festive Offerings for Your Tavern 54 Club 10 Taverns

HEALTH AND SAFETY

59 Depression - Beating the Holiday Blues

PERSONAL AND LIFESTYLE

MANAGING DIRECTOR AND PUBLISHER FINANCE AND OPERATIONS DIRECTOR

Hot Off the Press The Tavern Tatler SAB Launces Entrepreneurship Campaign to Create 10 000 Jobs in SA

INDUSTRY ASSOCIATION FOR RESPONSIBLE ALCOHOL USE

Copyright © 2017 Contact Media & Communications. Spotong is published by Contact Media & Communications. All material is strictly copyright with all rights reserved. No material may be reproduced in part or whole without the express written permission of the publisher. No responsibility will be accepted for unsolicited material. The publisher accepts no liability of whatsoever nature arising out of or in connection with the contents of this publication. Whilst every care has been taken in compiling this publication, the publisher does not give any warranty as to the completeness or accuracy of its contents. The views and opinions expressed in Spotong are not necessarily those of the Publisher or contributors.

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Smart Tech Solutions Motoring: Mahindra Adds Exciting Two-Tone Variant to KUV100 Range Recipes: For the Holiday Season Cocktails: To Get (And Keep) You in the Holiday Mood Property: Knowing Your Rights When Faced With Home Repossession Stokvels: Making the Best of Banking and Lending Money Safely Within Your Stokvel Events: Spotong Women in Business 2017

SUPPLIERS’ DIRECTORY

GLF COLUMN

, E L T T A B R O U IQ L L THE LEGA FAR FROM OVER Fi

W

hen the late MEC of Economic Development, Nkosiphendule Kholisile, made regulations that shebeen permits would be converted to licences, we thought the lives of traders would be changed for the better. But, unfortunately, we did not know it was the beginning of one of the nightmares that we had experienced during the apartheid era – harassment by men and women in blue!

Recently, in Thokoza, two legitimate traders with valid trading documents were raided and their liquor stock confiscated, because Lt Col. Rautenbach felt that their documents did not suit his understanding and knowledge.

One of the outlet owners tried to plead with him to at least be given time to consult with the liquor board to clarify the misunderstanding, but her pleas were ignored and all her liquor was confiscated.

As the associations around the region, we have agreed that we need to turn to the courts to be heard, because we feel that all the harassment is unlawful and unconstitutional.

On the other hand, traders are caught between two governmental institutions – the Gauteng Liquor Board and the municipalities’ town planning departments. One issues a legal document to trade, and the other says it’s illegal to trade on our land without their permission.

All these things affect liquor traders physically and emotionally. We have spoken to all these departments, and we still did not get help. Our last option is to turn to the judicial system.

As the rightful citizens of this country, surely we deserve better from our own government? As traders, we contribute to the economy of this country. Moreover, the MEC, Lebogang Maile, made a call of Qondis’ Ishishini Lakho, and that The Gauteng Liquor Board was consulted is exactly what we are trying to do to to talk to Lt Col. Rautenbach to return the comply with all that is required from us. liquor, but he defied it. The prosecutor Perhaps, in the next edition, we will be at Palmridge court nullified the raid as speaking about something better, if unlawful, but he still did not return the things go according to plan. liquor stock.

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rs

y as legal liquor trade

dignity and honest ghting the system with

The struggle continues, and we will fight this system like we fought the apartheid system with fewer resources. We only need to continue to fight with dignity and honesty as entrepreneurs who are legal liquor traders.

Phambili with responsible trading.

Phambili! Bongani Mabuza Bongani Mabuza, Chairperson: Gauliba, Katlehong

NTHA COLUMN

Y A D E G A IT R E H S NTHA CELEBRATE

NTHA Heritage Day celebrations

Dineo Mfokeng, the Chairperson who uplifted the Magaliesburg branch

O

n 24 September 2017, we celebrated Heritage Day, a very important date on the South African calendar.

It was a day where people celebrated their culture. Zulus, South Sothos, Tswanas, Pedis, Tsongas, Vendas and others reminded themselves of where they came from. National Tourism and Hospitality Association members and Liquor Traders Against Crime celebrated Heritage Day on 28 September 2017 with a special event held at the NTHA Head Office in Zone 4, Meadowlands.

What a day it turned out to be! All 27 branches were present, wearing their different traditional attires. Everyone was happy, singing and dancing, and the entertainment was mind-blowing.

NTHA members were spoilt with prizes won from the various raffles on the day.

A special thanks to the entertainment group, The Crazy Kids, from Thulani in Doornkop, who wowed us with their

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Manikies Mohapi, Chairperson of Orlando branch

singing and dancing talents. Thank you to their teacher, Mrs Agnes Sekhosana, a mother and a mentor, for taking the time to teach the young ones and for keeping them off the streets and ensuring their safety. Chairpersons of the different branches were very happy, as their members had a blast and they were also happy to have spent time with other members from different branches.

We were all treated to different cultural food, prepared by the Ndofaya Academy Caterers. The food was delicious, tasty and enjoyed by everyone.

In other news, the court case is still on hold, as it is reserved for judgement.

We wish to thank all the traders who have contributed towards the payment of the advocate. We will all continue to take care of our businesses and make sure that they fight for what is rightfully ours, as we all know that shebeens are all black-owned businesses. A big thank you to Big Daddy Devland for

Marcus Phafudi, one of the hard working secretaries of the Naledi branch

donations and for the support that it has given us. As the NTHA, we would like to encourage our members to please keep on supporting Big Daddy, as it has also played its part by making sure that this industry remains with us, the black traders.

Wishing a speedy recovery to Gauteng Liquor Forum president, Mr Linda Madida.

For more information, contact NTHA’s office: Monday - Friday, 8h00-16h00, Tel: 011 536 0267.

Phumzile Ratladi, Secretary, NTHA

SALTA COLUMN

S

outh Africans are hurting. We are distressed. What is happening in the country today is contrary to the wishes and expectations of our people. Transformation is happening at a snail’s pace.

One of the reasons for the slow pace of transformation is communication between liquor authorities and traders.

Communication should be a two-way process. A major problem under the apartheid regime was talking at people, while their responses fell on deaf ears and were ignored.

Economic transformation is likely to fail if inputs submitted by liquor stakeholders to liquor authorities are not taken seriously. There has been public consultation in bad faith. For instance, the recent 100% increase in licence fees is absurd and unjustified. The liquor traders’ objection was not entertained at all.

The ANC economic policy guidelines, adopted at its national conference in May 1992, state that in the context of the growth and development strategy, the role of the state should be adjusted 10

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to the needs of the national economy in a flexible way. The actions the state takes at any given time should be aimed at strengthening the ability of the economy to respond to the massive inequalities in the country, alleviate the material hardships of the majority of the people and stimulate economic growth and competitiveness.

If we do not have consistency, transparency and accountability in government institutions, how do we hope to achieve the development of the economy towards a sustainable economic growth?

Alcohol abuse is of concern to most liquor traders, and devising means to close down existing liquor outlets by authorities is no solution. Educating the public and liquor traders is the way to go.

Stakeholders who have been involved in this regard by creating awareness of the scourge – your involvement is commendable. Let’s have more stakeholders who have not been very vocal coming onboard to campaign vigorously against the evil of alcohol abuse.

There has always been an emphasis on the abuse of woman and children, because they are the most vulnerable.

This should actually be an ongoing process – not just reserved for a particular month.

Traders! What about customer abuse?

Simply giving more liquor to an obviously intoxicated person should be viewed as abuse. Giving liquor to a pregnant woman – abuse squared! In fact, the two should be viewed as attempted murder – finish and klaar. SALTA condemns the above trader behaviour, and our members are encouraged to stand up and speak out against it.

SALTA President, Mish Hlophe

Image credit: www.shuterstock.com

N IO T A M R O F S N A R T N O S SALTA FOCUSE L O H O C L A D N A Y R T IN THE LIQUOR INDUSSE AND CUSTOMER ABU

ADVERTORIAL

D R A W E R R O F E D A M Y K IS A WH

F

irstwatch Whisky has shaken things up this year with a fresh new look that’s sure to capture the attention of Firstwatch Whisky consumers, both new and old. The most noticeable change is its new premiumlook bottle, which makes the whisky as rewarding to the eye as it is on the palette. Gone is the old rounded bottle, replaced with a more premium looking squared design. The strong prominent lines and angles reflect the strength and stature of the Firstwatch Whisky man. It’s beautiful from every angle, and delicious in every drop.

To make a great whisky like Firstwatch, it takes the right mix of ingredients.

Its quality is not an accident, but the product of intention, and a formula perfected over time. The care taken at every step in its distillation gives Firstwatch Whisky its remarkable flavour.

Every drop of Firstwatch Whisky is made from a perfectly balanced blend of the finest imported American rye and grain, aged in charred oak barrels.

It can be enjoyed neat or on the rocks, and even blends well with your mixer of choice to deliver its signature taste in each unforgettable sip. This versatility makes it accessible in any drinking environment, and it easily adapts to suit a wide variety of tastes.

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This attention to quality has garnered Firstwatch Whisky much critical acclaim over the years. The most recent of which was a Silver Medallist Award at the 2017 International Spirits Challenge.

Firstwatch Whisky wears these awards proudly, as badges of honour.

While paying respect to its own achievements, Firstwatch Whisky is also made for celebrating the achievements of the men who drink it. The Firstwatch Whisky consumer is a man of honour and integrity, who knows that respect isn’t demanded, but earned. He earns this respect through his actions – by working hard for his family, doing right by his friends, and by being an upstanding figure in his community. The reward for this dedication is the rich, full flavour of Firstwatch Whisky.

Best enjoyed among friends and peers, it’s the perfect accompaniment to sharing good times in good company.

The man who rewards himself with Firstwatch Whisky does so proudly, while enjoying the award-winning flavour of imported, extra fine whisky.

It’s this reward that creates a meaningful ritual that elevates the Firstwatch Whisky drinking experience for those who share

in it. Those who do, know its consistency of flavour. They know it’s a whisky to be relied upon to deliver, and they emulate its quality in everything they do.

Now as Firstwatch Whisky refreshes itself, the brand is looking to conquer the other whiskies in its price category.

With its new premium look, Firstwatch Whisky is an exceptional must-have for any trade environment. It’s a fulfilling and attainable symbol of honour that any whisky consumer can be proud to have on their table.

Firstwatch Whisky’s bold new direction will allow the brand to champion a cause it believes in, as it looks to win the hearts and minds of its consumers and customers. This ideal – that those who deserve reward should always be given their due – will cement Firstwatch Whisky as a brand that’s First for Reward.

For more information, please contact your local Edward Snell representative.

JHB: +27 11 974 1701 CAPE TOWN: +27 21 506 2600 DURBAN: +27 31 902 8877 PE/EAST LONDON: +27 41 484 4834

MAIN FEATURE

K C A B G N I V I G S D BRAATNING THE BRANDS WHO MAKE A

CELEBR OMMUNITIES C R U O IN T C PA IM E V TI SI O P

Young recipient excited to receive his first pair of gumboots courtesy of BBF Safety Group and The Happy Feet Youth Project.

T

he top personal value that motivates consumer behaviour in South Africa’s townships is a strong sense of social duty, rather than the search for personal opportunity that drives consumers in other segments of the market. That’s according to GFK Consumer Life – a longitudinal survey GFK conducts in 25 countries, including South Africa, each year. The research also revealed that we attach a high importance to social responsibility. We aim to help ourselves in a way that will help our neighbours and peers at the same time. Thankfully, there has been a shift in recent years of brands choosing to go beyond just making money. Being locally relevant has become the new buzzword,

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and these brands have now become grounded and familiar within the communities in which they operate. Adapting to this way of thought has given rise to fresh marketing and social investment ideas that directly benefit and make sense to township communities. As township traders, we should always aim to support brands that continue to show a concerted effort in making a big impact and driving change within our communities. By continuing to support them, our communities benefit by being uplifted, leaving a lasting, positive impact on us all.

In the spirit of giving back, let’s acknowledge some of the brands making waves and changing lives.

Club10 – doing township marketing right Club10, a proudly South African brand and the fastest-growing tavern brand in the country, focuses on adding immense value to the taverns with which it partners by engaging with the communities these taverns are entrenched in. With an emphasis on the local community and cultural environment in which they operate, it provides relevant platforms like Zazise and the HvP (Hip Hop vs Pantsula) Dance Competition, which seeks out young, raw talent in the communities surrounding the Club10 brand. This is just one of the ways that Club10 is giving back in ways that will have a lasting impact in the townships, and will provide communities with a sense of self-worth.

As a member of the ARA (the Industry Association for Responsible Alcohol Use), it works closely with all the relevant authorities to ensure that it is at the forefront of responsible drinking.

It does this by educating tavern owners and allowing their patrons to feel safe while having fun, turning Club10 taverns into places where locals hang out, watch the latest sporting events and meet friends. With more than 400 Club10 taverns nationally and still growing, licensed tavern owners are given the opportunity to join the recognised brand name without losing independence, by maintaining their current store identity.

The benefits of joining the brand include sound corporate reinforcement; the installation of internal and external store signage; access to a wide range of liquor products; monthly advertising tailored to the market; national themed promotions; exclusive supplier promotions, advertising and support; business acumen on store development, store layout and category management; competitions aimed at the end consumer; and lots more.

Zazise and HvP (Hip-Hop vs Pantsula) – uncovering talent in our communities, and a mission to contribute to the development of music and dance in South Africa Zazise, a much-hyped annual event on the Club10 calendar, is a talent competition about expressing oneself, having fun, being creative and promoting and showcasing the huge talent that we have in our local communities. Open to participants over 18 years of age, this year the focus was on aspiring DJ’s, Producers and Beat Makers. Zazise offers Club10 consumers a platform to showcase their talents, and also leads them to what could be their first big break doing what they are passionate about. The grand prize, worth R300 000 includes releasing their own music single, video and embarking on a one-year mentorship with DJ Heavy K’s Drum Boss Entertainment. The brand partners with SA entertainers proving that local is indeed lekker!

The Club10 HvP (Hip Hop vs Pantsula) Dance Competition is aimed at contributing to the development and support of the Hip Hop and Pantsula dance genres, which has been a part of kasi life for many years. The competition presents the most distinguished dance clash between these two genres and is destined to be the largest in the City of Johannesburg’s history, drawing dance crews from all over the country.

The 2017 competition saw the winners walk away with a R40 000 cash prize plus R20 000 towards a charity in their hometown. Time to dust off those dancing shoes and get practising in anticipation of next year’s battle! www.spotongmag.co.za

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MAIN FEATURE

1 100 bicycles handed over by Volkswagen to rural schoolchildren – transforming hope into reality with the simple gift of motion Volkswagen has a long history of being involved in transformation in South Africa since the first Beetle rolled off the line on 31 August 1951. Besides being one of the leading passenger car manufacturers in the country, Volkswagen has also highlighted the plight of 11 million of South Africa’s 17 million school children who still walk to school – some of them taking up to four hours a day to travel to and from school.

To assist these learners, Volkswagen and Qhubeka (meaning to “progress” or “move forward”) have donated 3 000 “Blue Bikes” to children across South Africa to give them the priceless gift of time. Volkswagen believes that less time traveling to school means more time to learn, more time to play, more time with family and, simply and probably most powerfully, the time to just be a child.

It was a momentous occasion for 600 learners at 11 rural schools in the Nkonkobe district of the Eastern Cape as they received brand-new bicycles, funded by Volkswagen through its partners Qhubeka, World Vision South Africa and World Vision Switzerland, as part of the Bicycle Education Empowerment Programme (BEEP). This followed on from 500 bicycles that were supplied to nine rural schools in Umzimkulu, KwaZulu-Natal, in April.

BEEP aims to address the challenge of distance as a barrier to education. The result of distance is high levels of nonattendance and fatigue, low performance and increased drop-out rates.

BEEP was originally started in 2009 in Zambia by World Bicycle Relief (Qhubeka is World Bicycle Relief’s programme in South Africa). The initial programme demonstrated that bicycles could provide a safe, reliable and affordable mode of transportation for the learners, and assist in improving school attendance and academic results. Qhubeka, in partnership with World Vision South Africa, introduced BEEP in South Africa in 2013. To date, 8 100 bicycles have been delivered in five provinces.

Volkswagen is one of the largest donors of BEEP. The cost of one bicycle is R2 320 and covers component manufacturing, delivery, a helmet, training of a field mechanic, and a monitoring and evaluation programme, among other things.

Each BEEP learner receives a bicycle with a helmet, spanner, combination lock and pump. The learner and parents or guardian are required to sign a contract that stipulates the

Learners from the Nkonkobe District in the Eastern Cape on their new bicycles.

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terms and conditions of using the bicycle (for example, that the bicycle will be used to attend school). A Bicycle Supervisory Committee is also set up at each recipient school, including representatives from the school, student governing body, local community leaders and parents. The Bicycle Supervisory Committee’s role is not only to select beneficiaries, but also to enforce the two-year study-toown contract that governs the use of the bicycle.

The bicycle becomes the personal property of the learner after the twoyear contract has elapsed.

As the maker of “people’s cars”, Volkswagen puts people at the heart of what it does, making it passionate about South Africans and playing a vital role to keep “moving people forward”.

Under the banner of “Volkswagen for Good”, it seeks to provide motion with meaning to South Africa. The sponsorship of BEEP – or the “Blue Bikes project” – is just one example.

Volkswagen South Africa and Qhubeka continue to transform hope into reality with the simple gift of motion.

MAIN FEATURE

The Happy Feet Youth Project – BBF Safety Group donation enables youth upliftment project to extend its reach to more children to keep them off the streets BBF Safety Group (Pty) Ltd was born from a merger of some of the most respected safety footwear manufacturers in South Africa – Bagshaw Footwear, Beier Safety Footwear, Bronx Safety, United Frams and Wayne. The partnership arose through shared values and its integrity has earned customers’ trust in its products and services. For the BBF Safety Group, safety is serious business. It has multiple corporate social responsibility programmes and through these, it aims to invest in employees and the communities they come from.

The Happy Feet Youth Project is a Cape Town-based nongovernmental organisation that works with underprivileged children in one of the Cape’s oldest and most overcrowded townships, Langa. The project was set up to help keep children off the streets and away from criminal elements, and expose them to brighter and better prospects outside the township.

Happy to receive her gumboots

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If you’re happy and you know it, stomp your feet!

The project’s mission is powerful: to improve educational opportunities and encourage healthy lifestyles for its participating children. Values such as confidence, discipline, expression and respect are instilled through traditional children-led choreographed gumboot dancing. In addition, the project provides after-school support in computers, technology and maths, as well as a food programme to ensure children are receiving adequate nutrition.

Wayne, a proud member of the BBF Safety Group, recently donated 48 pairs of gumboots to the Happy Feet Project. The donation will enable the project to grow its intake of young people from the township, affording them the opportunity to experience a sense of belonging, inspiration and happiness.

“Our work would not be possible without the support of corporate sponsors such as BBF Safety Group. We are truly thrilled by the arrival of our new ‘music instruments’, and extend our sincere thanks to the people who made it possible,” says Siviwe Mbinda, founder of The Happy Feet Youth Project.

On the day of the handover, Wayne employees were fortunate enough to meet Siviwe and the children and attempted to learn some of the more “simple” dancing steps – which the children can do with ease.

“The dancing was a lot more difficult than it looks, but what a pleasure to meet Siviwe and the wonderful children at Happy Feet. It was eye-opening to see how you can do so much with so little, and how this project positively prepares them for a much bigger stage in life. It was an amazing experience that I was honoured to be part of,” commented Handre Botha, sector specialist, BBF Safety Group.

Wayne, as part of the BBF Safety Group, is committed to promoting social and economic equality in South Africa.

The Happy Feet Youth Project kids dancing in their new gumboots.

Right to Left: Siviwe Mbinda, founder of The Happy Feet Youth Project and Nathi Gigaba, who assists him

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THE LAW

Y IT R U C E S F O M O D E E RIGHTS TO FR S R E N W O N E E B E H AND PRIVACY OF S

W

ith the current rate of raids on taverns and shebeens, one could swear that the sale of liquor in South African taverns and shebeens is illegal. Many shebeens in townships are frequently raided. It’s as if the country is still under apartheid rule, where dignity and the privacy of people are still trampled upon with impunity.

The dignity and freedom of liquor traders in townships is non-existent. Week in and week out, their outlets are raided and their liquor seized without a trace, mainly by the South African Police Service.

What are the guarantees of the South African Constitution to liquor traders?

Section 12 of the South African Constitution guarantees the right to freedom and security of the person. The section states that “everyone has the right to freedom and security of the person which include the right to not be treated in a cruel, inhumane and degrading way”. Many liquor traders in townships are women. The way these women are treated when their shebeens are raided leaves a lot to be desired. Some are assaulted, harassed and threatened with imprisonment, even when they produce valid permits.

Section 14 of the Constitution guarantees the right to privacy. Shebeens are liquor outlets conducted on private

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property and, as such, rights of admission are reserved by the owner. Section 14 of the Constitution states that “everyone has the right to privacy, which include the right not to have: a. their person or home searched b. their property searched c. their possessions seized.”

The right to security and privacy flows from the value placed on the human dignity of all persons, including business owners.

Searches and seizures should, whenever possible, be conducted only in terms of a search warrant that has been issued by a judicial officer, such as a magistrate or judge.

The judicial officer must themselves decide whether or not there exist reasonable grounds for the search. This is law.

Many raids are conducted without warrants, and these searches and the seizing of articles continue unabated, especially in the townships.

Government action is required to be objectively and demonstrably reasonable. It is an important principle for the law of criminal procedure that a warrant should be strictly interpreted to protect the individual against

Image credit: www.thedti.org.za

The City of Cape Town Liquor Law Enforcement Unit writes a fine of non-compliance to a tavern owner

excessive interference by the state. The warrant must clearly define the purpose of the search and the articles that are to be seized.

In the absence of a warrant, a police official must obtain consent to search or seize the articles from the owner or person who is in control of the premises.

Furthermore, a search warrant must be executed by day, unless the judicial officer who issued it gives written authorisation for it to be executed at night. A warrant remains in force until it is executed or cancelled by the person who issued it. When police officials act in terms of the warrant, it is desirable that the subject involved has access to the document which authorises an infringement upon their private rights.

The law states that a police official may search any person, container or premises for the purposes of seizing any articles if the police official believes on reasonable grounds that:

Section 21(4) of the Criminal Procedure Act therefore stipulates that a police official who executes a warrant must, once a warrant has been executed and upon the request of any person whose rights are affected by the search or seizure of an object in terms of the warrant, provide such a person with a copy of the warrant. There are suggestions that from a point of view of a legal subject whose property is being searched or items seized, the warrant should be provided before the search and seizure, and a copy of a warrant should be issued without a request.

It is, however, conceivable that circumstances may arise where the delay in obtaining a search warrant will defeat the object of the search, which makes it necessary that provision be made for the power to conduct a search without a warrant.

However, this provision cannot substitute the requirement to enter private property for purposes of search and seizure without a warrant.

1. a search warrant will be issued to him if he applies for such 2. delay in obtaining a search warrant will defeat the objective of a search The belief of the police official must be objectively justified on the facts, meaning any reasonable police official would come to the same conclusion on similar facts.

The above powers do not set aside the requirements of a warrant before search and seizure. Furthermore, it cannot be that reasonable grounds exist that the police officials could raid taverns and shebeens upon suspicion that articles which are of concern to them, or are on reasonable grounds believed to be of concern in commission of an offence, by just looking at a liquor outlet situated in a township.

All liquor traders should be treated with respect and dignity, and any violation of their rights should be remedied to restore the dignity of liquor traders in the townships.

Thabo Thlobelo - Abantu Tobacco & Liquor Laws

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PERSONAL FINANCE

oney

arned m -e rd a h r u o y d n a lf e s Protect your

Each year, thousands of people lose millions of rands in investment scams. The advancement in digital communications and the internet make these kinds of scams more common and harder to identify, making it easy to be the next victim. But knowing how to recognise these investment scams is the first step in protecting yourself and your money.

How to recognise an investment scam • Investing in any product that offers an attractively high return with a minimum level of risk to capital is a major indicator that you should run for the hills and avoid it.

• Upfront payment needed: no reputable or legitimate investment company will force you to make a payment upfront, without first giving you the necessary time required to peruse the investment opportunity.

• An unsolicited request for your private information: these requests can either come via phone or in an email. Check the company details and phone them directly to verify these details. Remember that a glossy brochure or website is not evidence that an offer is a good investment or even a real deal.

Ponzi schemes on the rise in South Africa Ponzi schemes have been increasing in South Africa due to the ailing economy and financial pressures placed on consumers, making them vulnerable and easy to prey on.

According to the Bank Supervision Department Annual Report for 2016, the South African Reserve Bank (SARB) investigated 27 money scams in 2016 and resolved 63 investigations from 22

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previous years. To know how to avoid being scammed through a Ponzi scheme, you have to understand how it works.

What exactly is a Ponzi scheme?

Named after the person who first made these schemes infamous, Charles Ponzi, these schemes are operated by tricksters and seemingly legitimate businesses that will invite you to invest in a scheme or business. The operator promises you unrealistically large returns on your investment in a short period of time.

These schemes depend on enticing a steady flow of investors, whose money goes to pay off promises made to earlier investors. Any such scheme will inevitably collapse, as it is impossible to find new investors to keep the scheme going.

Ponzi scheme red flags to look out for: • Be wary of schemes that offer returns that are unrealistically higher than those offered by authorised financial services providers, such as reputable banks.

• Be wary of schemes that are not registered as authorised financial service providers. Ask for their financial services provider (FSP) number and verify the number with the Financial Services Board.

• Be wary of companies that aren’t willing to explain exactly where your money is invested and share proof of your investment in the form of an investment policy document.

When choosing a moneymaking opportunity, always do your homework thoroughly. Take your time and remember that you didn’t save your money overnight – it took time. Free advice is available from registered financial advisors. Speak to your bank manager or financial advisor about the best investment products for your needs. If you want to realise reasonable financial returns from your investments, you must be patient.

Always remember the golden rule of investing: if it sounds too good to be true, it probably is.

Image credit: www.shuterstock.com

W

e are all familiar with the old English proverb, “A fool and his money are soon parted.” We also know that the road to riches is paved with hard work, dedication and diligence with our savings – so why do so many of us still fall for the all-too-familiar getrich-quick scheme?

BUSINESS FINANCE AND MANAGEMENT

S N O C D N A S O R P E RENT TO OWN - TH

H

ave you ever been in a situation where your fridge stopped working or your TV took its last breath and you didn’t have the cash to repair or replace the item? What if that fridge belonged in your spaza shop and kept all your perishable items fresh, or that TV was the lifeblood of your tavern and your patrons relied on it to watch their favourite sports teams? We have all been in that stressful situation at least once, but modern-day appliances and big-ticket items are not meant to last forever.

In situations like this, these items are more need-to-haves than nice-to-haves, and we certainly cannot afford to allow our businesses to operate without them.

The “rent to own” option of purchasing items has gained strength in South Africa over recent years, and allows us the option to purchase these much-needed items in spite of being short of cash and having not budgeted for repairs and replacements.

Let’s take a closer look at the pros and cons of rent to own.

You be the judge if this really is the right option for you.

What is rent to own?

Rent to own is a month-to-month contract that allows you to rent a wide range of household appliances, furniture, electronics and even big-ticket items for your tavern or spaza shop, with the option to take ownership of the goods after the predetermined rental period.

When should you consider rent to own?

The rent to own option will work in your favour if you know that your income will increase in the near future. It will also benefit you if you want your tavern or spaza shop to have certain big-ticket items, but you cannot afford to purchase them all at once.

The advantages of rent to own A major advantage will be the immediate cash benefit of you having to pay smaller portions every month, which may be 24

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Taverns transformed into Castle Kingdoms

better for your financial situation at the time. Also, you can test the item over a few months and see if it is really suited to your needs, before making a final purchase. If, at any time, the item stops working or is faulty, you can return it to the rental company, which saves you time and money. If you fulfil your rental agreement by making all your monthly payments, you will end up owning the item when your contract ends.

The disadvantages of rent to own You can easily end up paying two to three times the cost of what the very same item would cost you had you bought it upfront in the traditional way. Also, rent to own companies make their money from charging interest on items, and you should be wary of the interest rate per item before you make your final decision. If you are late on one of your monthly payments, you might be charged a late payment fee to continue with your original rental agreement.

Before you sign on the dotted line, make sure of the following: • Protect yourself and your business by making sure that you only deal with reputable companies when looking for the best rent to own option to suit your pocket and your individual needs. A reputable company will offer you: »» financial flexibility: the option to cancel your agreement and return the items at any time »» peace of mind: look for added benefits of maintenance and risk cover being included in your contract for the duration of the rental period.

• Make sure that the terms and conditions of the contract are understood by both parties – even the smallest details need to be in writing.

Most importantly, be completely sure that you are able to afford the monthly instalment for the duration of the time stipulated in your contract.

THE BEER OF AFRICA

Drink Responsibly. Not For Sale To Persons Under The Age of 18.

WASTE MANAGEMENT

T N E M E G A N A M ETHICAL WASTE S R E D A R T P I H S N FOR TOW te

as w e c u d e r o t it b r u o y Do

T

he “three Rs” – reduce, reuse and recycle – all help to cut down on the amount of waste we throw away. This conserves natural resources, landfill space and energy.

According to a report by the World Bank in 2016, South Africa produces 54 425 tonnes of trash every day – the 15th highest in the world.

We all have to do our bit to live a more environmentally responsible life. So, how do you do it? By implementing a simple waste reduction programme, of course! A review of daily work practices and a little bit of resourcefulness will go a long away. Let’s show you how you can achieve this.

Waste reduction and management tips • Don’t overpurchase. This leads to spoilage and waste. You can eliminate this by taking inventory frequently and adjusting your orders according to your business needs.

• Avoid spoilage by storing your food appropriately and eliminating air in containers. Use storage containers that can be reused.

• When purchasing stock, store the items in the order that you purchase them and always use older items first. Immediately place the newer purchases at the back of the shelves.

N.B. Train your staff on this method.

• When buying in bulk and if you have the storage space available, purchase products that have a long shelf life.

• In the case of food that is served to your customers, review your menu so that you use up all your food products to avoid wastage and spoilage.

• In taverns and shebeens, make sure that your stock purchases match your individual circumstances, especially the volume of customers that you service.

• Set up a cardboard and/or glass recycling programme with your local garbage collectors.

Appliances and equipment Kitchen equipment and appliances will last longer and operate better when they are properly maintained. The bigger cost associated with improper maintenance is downtime due to the malfunctions and failure of equipment and appliances.

Tips: • All refrigeration and HVAC (heating, ventilation and air conditioning) equipment should have regular schedules for cleaning and maintenance. All coils and filters should be cleaned on a regular basis.

• Check for air loss coming from refrigerator doors and freezers, and make sure they close tightly.

• Check the temperature calibration of oven equipment on a periodic basis.

• Be sure to clean fryers and filter the oil every day (this will help extend the life of fryers and oil).

Paper and supplies • Use paper products made from recycled materials. Many recycled paper products are readily available.

Some examples are napkins, paper towels, toilet paper and bags.

• Don’t use Styrofoam if possible.

Styrofoam takes up more room in both storage and disposal than paper/cardboard products. Almost everything available in Styrofoam is available in a paper equivalent.

• Use washable and reusable dinnerware and table linens.

• Use black bags made of recyclable material. They are much more environmentally and cost friendly.

• Purchase cleaning supplies in concentrate, rather than in ready-touse form.

• Use environmentally friendly cleaners. Cleaners that can be used for multiple surfaces are better than job-specific cleaners.

Don’t forget your e-waste!

What is e-waste?

E-waste comprises of any unwanted electrical or electronic equipment (either running on batteries or electricity) such as computers, TVs, VCRs and DVD players, consumer electronics, kettles, printers, fax machines, cellphones, toasters, microwaves and/or direct parts thereof. Also included are “consumables” such as cartridges or batteries. E-waste is the fastest-growing waste stream in South Africa. With the rapid advances in new technology, many everyday items that we use in our homes or businesses have been made redundant.

Care when recycling your e-waste E-waste can be hazardous and toxic, due to the chemical elements and heavy metals that are contained in most electric and electronic goods. If these items are not disposed of properly, they can cause serious health and environmental pollution problems.

The hazardous components from mismanaged e-waste can contaminate soil and water, as well as pollute the air with toxic fumes, if burnt. Always consult a professional if you are unsure of how to dispose of your e-waste.

To donate your cans, contact Collect-a-can: www.collectacan.co.za To donate your glass, contact the Glass Recycling Company: www.theglassrecyclingcompany.co.za To donate your e-waste, contact Ewasa: www.ewasa.org

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ENTERPRISE DEVELOPMENT

P O H S A Z A P S R O A SWEET DEAL F A S Z E L E D N O M M OWNERS FRO

A

group of Soweto spaza-shop owners are celebrating their completion of the launch edition of a six-week Enterprise Development Programme, supported by Mondelez South Africa. The programme brought together 30 South African spaza-shop owners one day a week for full-day sessions featuring both industry-specific business training modules and targeted coaching and mentoring.

At a ceremony at Riversands Innovation Hub at Midrand on 2 August 2017, Mondelez South Africa recognised the spazashop owners’ achievements with certificates of completion.

Mondelez South Africa also presented each participant with store branding, a laptop and a prepaid electricity and airtime sales device to consolidate their efforts to take their businesses to the next level.

“We have been aware for several years that a significant proportion of our products are sold through spaza shops,” says Mondelez South Africa corporate and government affairs manager, Navisha Bechan-Sewkuran. “This is a fiercely competitive retail sector, yet because it has been so informal, many spaza-shop owners lack the entrepreneurial skills required to manage a successful business and are very keen for opportunities to improve their skills, and we decided to help them.

“We looked at several business skills training packages, but we felt they were too generic, risking only a haphazard impact. So we worked hard with our facilitators, Beehive Capital, to tailor a programme that is industry specific and can have a direct, lasting impact on the owners’ businesses.”

Participants were transported to Riversands for the programme, where five hours of each training day was occupied by modules to build entrepreneurial skills. These included personal and business marketing; pricing; setting up bulk buying through associations to enable cheaper prices and more effective competition; and daily business functions and administration. Industry-specific modules included external speakers on best practices in various key business areas, as well as presentations from the brands featured in the basket of 12 items used to define a spaza shop. Mentoring and coaching in small groups occupied the remaining twoand-a-half hours of each training day.

Grace Mdlalose

Participant and spaza-shop owner, Zolani Jazz Nyengule, says: “The guest facilitators have vast knowledge and could answer any questions asked, and where they didn’t know, they were honest enough to get the relevant person required to respond.

The fact that Mondelez is trying to help small business owners rise above the cruel competition system is encouraging.”

A shorter follow-up programme for this year’s participants is planned for next year, enabling them to identify areas for review or where they would like to hone their skills further.

The programme also aimed to address some of the challenges spaza-shop owners face and, in particular, introduce them to alternative revenue streams.

“Without being able to take payments from bank cards, they miss opportunities to access spend from SASSA grant recipients,” says Bechan-Sewkuran. “In fact, none of the shops on the programme were equipped to sell prepaid airtime or prepaid electricity, either. We also found that only 16% of the participants had basic smartphones that would enable them to access FMCG rebates for advertising FMCG products.”

Now, the programme has transformed the business potential of the 30 South African participants, who came from the Freedom Park and Devlin areas of Soweto. They were identified through traders’ associations, which will also cooperate with Mondelez South Africa in identifying participants for future programmes.

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Zolani Jazz Nyengule

All of the spaza shop owners who took part in the programme

Spotong had the opportunity to chat to two of the recipients of the programme, to find out how the experience has assisted in their business.

What knowledge have you gained from the programme and how has it assisted you in your small business?

Zolani Jazz Nyengule: I realised that I could have been running my business a lot smoother by implementing basic business management skills. Thankfully, I am now clued up on the basics and have invested more time in the planning of how to buy stock, which enables me to save more money to invest back into my business. I now know exactly how to find the specials to stock up on and save money in the long run.

This programme has also enabled me to buy on credit, which I couldn’t use before, and I must admit that my sales have risen dramatically.

Grace Mdlalose: I have learnt how to manage all aspects of my small business in a more lucrative way. I have learnt marketing skills, which I never really understood before, and the importance of how to handle and understand my customers.

I am excited to start implementing these skills and watch my business grow.

What was the highlight of the programme for you?

Zolani Jazz Nyengule: The highlight for me was that every week, for the last hour or so of the programme, we were assisted by different coaches and mentors. I benefited greatly from the one-on-one interactions from my mentors and coaches and for assisting me on a personal level, according to my needs and struggles, in trying to sustain and grow my business.

Grace Mdlalose: I particularly enjoyed the one-on-one sessions with the seniors, who gave me the special attention that I needed. The advice was practical and I was shown how easy it is if you just implement the basics. I manage money so much better now, because I have a greater understanding of the ins and outs of running a small business.

Have you seen any significant changes in your business since completing the programme?

Zolani Jazz Nyengule: Yes! I have more customers and the number of new faces is growing each day.

Grace Mdlalose: I have definitely turned a profit almost immediately and, for the first time, some of my stock had to be replenished very quickly. I have never sold so much Oreos before. I am the only spaza shop in my area that sells Oreos, and my customers are buying more and more. The kids love it, too!

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MARKETING

N O S A E S Y A ID L O H IS H at BE SALES SAVVY T d increase your sales stomers an

to your cu ting plan, give thanks ke ar m ay lid ho ur yo Up s. ese fun tips and trick the same time with th

Everyone is going mobile Recent statistics show that almost 90% of South African consumers have mobile phones. Mobile marketing is extremely important and efficient, and all you need is some personal contact details which is easily attainable by running a competition, where your customers give their personal details to enter.

Create a loyalty card programme for your business Millions of South Africans use loyalty programmes, and large retailers have the country’s biggest rewards programmes. But what exactly is a loyalty programme? While the specifics of each programme may differ, the premise remains the same: a loyalty programme is a marketing system instituted by a business that rewards purchasing behaviour, thus increasing the customer’s urge to stay loyal to the business. It is up to you, as the business owner, on how you want to reward loyalty. It can be something as simple as a bar voucher, an airtime voucher, a shopping voucher or a specific product.

Punch cards are affordable and you can personalise them.

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Loyalty programmes will help you to gauge who your customer is, how often they shop and what they purchase.

Ramp up your seasonal merchandising Create specially decorated seasonal and holiday displays to promote services and products throughout the year. Mix it up and change these displays regularly. Move your displays and products around as you clean and dust. Make sure you have last-minute product displays that change regularly at your checkout counter.

Sharing is caring Most retailers don’t realise that some of the best promotions happen when they tie in with other retailers in their area.

Working with competitors to bring awareness to shopping in your town with people who live there can be lucrative for everyone. Get all the township traders together in support of local events and traditions.

Utilise cross-merchandising to increase sales Cross-merchandising is the retail practice of marketing or displaying products from different categories together, to generate additional revenue for the store. The main objective is to link different products that complement each other or can logically be used in association, such as peanut butter placed nearby loaves of bread. This strategy also aims to improve overall customer experience, by enabling them to pick up related goods in the same place, instead of having to spend time searching for them.

Image credit: www.shuterstock.com

T

he holiday season is here, and our customers are relaxed and spending more than they usually do. So, how do you get a piece of that money pie and get them to spend some of their holiday cash with you?

No matter how big or small your establishment is, there are a few simple yet effective marketing gems you can implement that will have your customers coming back for more.

RETAIL NEWS

S S E R P E H T F F O T O H stry

spires in the retail indu

d in News that informs an

ES SA COCA-COLA BEVERAGEURS TO ADDS 50 ENTREPRENORK DISTRIBUTION NETW Coca-Cola Beverages South Africa (CCBSA) has added 50 community entrepreneurs to its network of local distribution partners (LDPs) since the beginning of the year, boosting small business development and creating jobs in townships around the country. This brings the total number of LDPs to 149.

Suppliers in the Coca-Cola system – including vehicle manufacturers, truck rental companies, insurance and cash-risk management companies – were also on hand to present their products and service offerings and interact with LDP owners.

CCBSA helps local distribution partners to become thirdparty distributors of its products, ensuring smoother delivery and customer service and creating employment opportunities, mainly in townships. These opportunities are in the form of business ownership, as well as work for drivers, crew and warehouse staff from these communities.

A growing number of woman and youth entrepreneurs are seizing the chance to own a business, and 90% of local distribution partners are from previously disadvantaged groups.

The programme is a key part of CCBSA’s growth strategy, and connects it to smaller customers in previously underserved markets.

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E FOR A DREAM COMES TRUENEUR IN TOWNSHIP ENTREPRE NEW RETAIL VENTUR

It was a day of excitement for Kagiso township when Phenyo Market, co-owned by Mr Lekale-Leru Mashego and Mr Phure Motshabi, turned a lifelong dream into reality.

The Motshabi family has been trading at two different sites since the 1960s in the Kagiso community. In 1984, Motshabi’s father bought the Phenyo site and Motshabi has been running a store on it since 2010. Now, with the help of the Gauteng Department of Economic Development, Pick n Pay, the Masisizane Fund, the Brimstone Legacy Fund and the Old Mutual Foundation, he has transformed his store into a modern enterprise that will be a big boost to his local community. Mashego is his partner in the business.

“Working together makes things happen” At 522 m², Phenyo Market will now feature a full bakery, deli and butchery, as well as a comprehensive range of foodstuffs at competitive prices and a liquor store. Located on the main road in the centre of town and within walking distance of the busy Chamdor industrial area, the store will be very convenient for local residents, who until now have had to travel 5kms to shop for fresh food and groceries at Kagiso Mall.

Mashego’s store also includes new refrigeration and IT systems, and will offer a full value-added service range including money transfers, ticketing, airtime and data, bill payments, lottery tickets and the sale of prepaid electricity, and two ATMs. Mashego said he was “excited and a little bit nervous” on the eve of realising his dream. As well as giving customers an exciting and modern shopping experience, he will be employing more than 40 people in the store, compared to just six before.

S PICK N PAY LAUNCHE T NEW STORE ACCOUN Pick n Pay has launched an exciting new Store Account, with great benefits for all qualifying Smart Shoppers and other customers who sign up to be a Smart Shopper.

The Pick n Pay Store Account offers customers up to 55 days interest-free credit if the balance on their account is paid in full each month. These customers will continue to receive Smart Shopper benefits, plus added benefits unique to Store Account holders. The first of these benefits will be a R200 discount off R500 or more spent on their first shop using the Store Account.

From L-R: Mr Lekale Mashego Market Store Owner Mr Phure Motshabi Co-Owner Phenyo Market Mayor of Mogale City - Naga Lipudi Richard van Rensburg-Pick n Pay Deputy CEO

There is no charge for opening a Store Account, and customers face no transaction charges, no admin fees and no joining fees. Monthly Store Account fees are only R10 for active users. There will be no monthly account fee if the Store Account has no balance and is not used in that month.

AR E -Y E N O K R A M V E B N SAB AND AB IN IO T A IN B M O C S S E IN S ANNIVERSARY OFICBINUTEREST COMMITMENTS MADE TO SA GOVERNMENT N PUBL SIGNIFICANT FOCUS O

The South African Breweries (SAB) and AB InBev have marked one year since the two global brewers combined their businesses in October 2016.

The combined organisation continues to build a truly global company that strives to brew the best beer with the best ingredients, and is built to last for the next 100 years. The business combination has brought together significant intellectual synergies, enabling them to share and integrate the best practices of both companies.

Over the last year, the business has been transformed to achieve the dream of creating a better world in which everyone has the opportunity to improve their lives, with a particular focus on communities. In Africa, the three key priorities of this strategy are job creation, promoting nutrition and health, and reducing harm caused by the misuse of alcohol.

“We are proud of what we’ve been able to achieve in South Africa and across Africa in just one year, thanks to the remarkable work of our team. Their efforts showcase what we have been able to achieve by bringing together two great companies to create one team, with one dream – to bring people together for a better world,” says Ricardo Tadeu, zone president for SAB and AB InBev Africa.

Job creation is embedded in the company’s business strategy, which focuses on fostering a better world where everyone has an opportunity to improve their livelihoods.

The organisation has worked hard over the past year on its public interest commitments (PICs) made to the government and regulatory authorities during the business combination in late 2016. The PICs include a R1 billion investment over five years in the areas of agriculture (R610 million), enterprise and supplier development (R200 million) and societal benefits (R190 million); reinforcing a transformation agenda across the business.

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LIQUOR NEWS

THE TA VERN T A T LER T

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RETAIL NEWS

SHIP R U E N E R P E R T N E S E H SAB LAUNC A S IN S B O J 0 0 0 0 1 CAMPAIGN TO CREATE trepreneurs

A call to action to all en

SAB Entrepreneurship Programme Launch

S

outh African Breweries (SAB) has announced that it will help create thousands of jobs in South Africa and increase opportunities for entrepreneurs to become part of its supply chain through its key entrepreneurship programmes.

From rural entrepreneurs to big business, SAB has laid the foundation to support entrepreneurs and create a total of 10 000 jobs in South Africa by 2021 using its entrepreneurship programmes – SAB KickStart, SAB Foundation, SAB Thrive and SAB Accelerator.

The company offers a comprehensive and holistic package of entrepreneurship support to develop small businesses from ideation to growth, transforming the supply chain, as well as investing in the potential of entrepreneurs in the broader community. Applicants to the programmes will go through a selection process.

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Driving the ambition to create 10 000 jobs is a call to action to all entrepreneurs through a mass media Entrepreneurship Campaign, beginning with a television commercial launched in August. The commercial centres on the concept of how “One Idea” can ignite and spark a nation to heed the call to try its hand at entrepreneurship to build a better South Africa for all.

SAB Entrepreneurship Programmes: SAB KickStart The programme has been running since 1995 and focuses on youth-owned businesses. It is focused on investing in youth entrepreneurs between the ages of 18 and 35. The programme backs black entrepreneurs with existing, emerging businesses in key industries that are aligned to supply chains.

There are two programmes within the SAB KickStart offering: SAB KickStart Boost and SAB KickStart Ignite.

SAB KickStart Boost is a supply-chain readiness programme that’s built around a key objective: enabling high-potential, youth-owned business to become suppliers of various organisations in the private and public sector, thereby fast-tracking the transformation of the economy. We back entrepreneurs with existing, emerging businesses in key industries to be ready for and to access supply chains, and as a result grow into sustainable businesses that create jobs.

SAB KickStart Ignite supports disruptive innovators that have innovative businesses and products that have high potential to grow into viable businesses that can solve our business challenges and can grow to be future creators of employment. Eligible entrepreneurs receive technical product and business development support, which includes one-on-one mentoring, prototyping, commercialisation and financial support where required. SAB KickStart Ignite acts as a pipeline of entrepreneurs for more advanced programmes, such as SAB KickStart Boost.

SAB Foundation The SAB Foundation is an independent trust founded to benefit historically disadvantaged individuals and communities, primarily but not exclusively through entrepreneurial development in South Africa. It is one of three beneficiaries of SAB’s B-BBEE transaction, SAB Zenzele, established in 2010. Key beneficiary groups include women, youth, people in rural areas and people with disabilities.

The long-term vision underpinning the SAB Foundation is to ignite a culture of entrepreneurship and social innovation in South Africa as a source of economic growth and a primary source of innovation and job creation. The focus is on investing in entrepreneurs outside of the value chain and across the country, with a particular emphasis on businesses outside major metropolitan areas. There are two offerings for entrepreneurs within the SAB Foundation: the Social Innovation Awards and Tholoana Enterprise Programme.

The Social Innovation Awards invest in innovative business ideas that can solve social problems. This includes but is not limited to energy, water, health, education, housing and food security.

The Disability Empowerment Awards is a special category for innovation that benefits people with disabilities.

The Tholoana Enterprise Programme is a two-year business support and capital grant programme to assist micro and small enterprises to grow and create jobs.

SAB Thrive The SAB Thrive Fund is an enterprise and supplier development (E&SD) fund, set up and funded by SAB to transform the company’s supplier base. The fund has been established in partnership with the Awethu Project, a black private equity fund manager and SMME investment company. The SAB Thrive Fund’s mandate is to invest in and transform SAB suppliers, such that they become

more representative of our country’s demographics. SAB Thrive Fund investees benefit from 100% black equity capital and business support.

SAB Accelerator The key objective of SAB Accelerator is to grow SAB’s supply chain to be inclusive of black-owned, especially black women-owned, businesses. To achieve this, an incubator consisting of 10 business coaches and 10 engineers, who are dedicated to growing these suppliers, has been created. SAB Accelerator will partner with the company’s suppliers and provide coaching and technical expertise, which in turn will help them understand the SAB landscape, its value chain and integrate them into the business. Simply put, SAB Accelerator is a team of people who are dedicated to help black-owned suppliers improve and grow their businesses and, in doing so, create much-needed jobs. www.spotongmag.co.za

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LIQUOR STOCK HEADER

R E M M U S R O F S K TEN STOC Be sure to stock up on

holiday essentials

WILD ISLAND FANTASY FRUIT FLAVOUR JUICE with A dairy-blended drink ur. vo fla ity fru d an a tasty makes One-litre concentrate you up to 8 litres, keeping r. ge refreshed for lon

AR SELATI PURE WHITE SUG

the ality sugar cane from Made from the finest qu alanga, it is 99,9% pure and um Onderberg Valley in Mp ditives. contains no artificial ad www.selati.co.za

www.wildisland.co.za

its itening power and for Known for its super wh . nts me gar of ss ne ite ing the wh ur yo reputation for maintain ten gh to clean and bri Surf can also be used coloured garments.

CHARKA BRIKETTS cifically Ultra-compact and spe at to he g tin las for ed lat formu ce en eri exp ai keep your bra le in ab ail Av r. ge lon for going packs.

2kg/3kg/4kg and 5kg www.charka.co.za

SURF WASHING POWDER

www.unilever.co.za

SPICY KOO CHAKALAKA MILD & wow the , KOO Chakalaka adds A traditional favourite and can a in ur vo a local fla factor to any dish. It’s e. on le rab mo me a o transforms any meal int www.koo.co.za

MONSTER ENERGY DRINK

SPEKKO RICE Spekko Long Grain n Parboiled Rice is know e”. ric s cup 4 cup “1 the as cup ry eve This means for of uncooked rice, you will get 4 cups of cooked day rice. This is your “every ve” ha ust rice” and a “m pantry item.

y drink. It is a Way more than an energ crisp and refreshing lifestyle in a can. Light, you out in front ts ge it with a fast finish, and pulling away. .com www.monsterenergy

TRINCO TEA

everybody will love.

A great cup of tea that ed to consistently nd ble Trinco is expertly our, a refreshingly deliver a rich amber col ing aroma in each rat igo inv strong taste and cup of tea.

a www.spekkorice.co.z

WHITE STAR SUPER MAIZE MEAL

www.avi.co.za

, Cooks quickly and easily ffy flu a s ha , ite wh is always d is a texture, tastes good an It also rich source of energy. nts, trie nu contains a host of Acid, ic Fol A, in am Vit including c.

Zin d an Iron, 4 B-vitamins za

www.pioneerfoods.co.

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L GRAND-PA PARACETAMO TABLETS rate Help with mild to mode e, ach ad he as h pains, suc d fever toothache and pain an d flu. an ds col h wit d associate www.gsk.com

NEW RETAIL PRODUCTS

F L E H S E H T N O NEW TION JAM-PACKED INNOVA

R JAM A PALATE-PLEASER FO CONNOISSEURS Made from the finest fruit, the All Gold Connoisseurs range of jam caters to those wanting the most delicious jams, and offers a variety of exotic and artisanal jam flavours. The range has expanded to include three new tantalising flavours: Raspberry, Blueberry and Mixed Berries (raspberry, strawberry and blueberry).

South Africa’s market leader in jam has launched All Gold Skweezi Jams – you simply flip open the lid, tip the skweezi and squeeeeeeze out the lip-smacking goodness.

All Gold Skweezi Jams are available in four great flavours: Strawberry, Pear & Mango, Apricot & Peach and Mixed Fruit.

As versatile as ever, All Gold Skweezi Jams are set to elevate your favourite toast for breakfast, add a touch of wonder to Saturday croissants, turn lunchbox treats into a sought-after break-time sensation, complement those legendary scones and add a dash of delight to doughnuts.

For those who love to walk on the lighter side of life, the new range of All Gold Connoisseurs Lite Jam – made with up to 37% less total sugar – is endorsed by the Low GI Foundation and Diabetes Association, and offers South Africans the opportunity of satisfying their sweet cravings without the guilt. All Gold Connoisseurs Lite Jams are available in Strawberry and Apricot flavours.

For tasty All Gold jam recipes, crammed full of goodness, which taste real good, visit the newly revamped website: www.allgold.co.za

It’s a great pantry addition in any home, so keep an eye out for All Gold Skweezi Jams in all leading retail outlets.

AQUAFRESH W E N H IT W H T A E R B FRESHER TOOTHPASTE H S E FR G IN ST LA N A EXTREME CLE Aquafresh Extreme Clean Lasting Fresh toothpaste provides double the cleaning performance and a fresh feeling that lasts up to eight times longer than before. The paste has a unique formulation with zinc chloride that destroys bacteria, helps reduce germs and neutralises bad breath. This, coupled with special coolants in the paste, guarantees a longer-lasting fresh feeling.

New Aquafresh Extreme Clean Lasting Fresh toothpaste and the rest of the range of Extreme Clean range of products are available in South Africa and can be found at leading retailers and pharmacies countrywide.

Visit www.myaquafresh.co.za for more information.

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ADBURY INTRODUCING NEW C REO DAIRY MILK BUBBLY O Expect the same delicious, aerated Bubbly you know, but filled with a layer of Oreo Vanilla Cream and crispy Oreo cookie pieces that melt into a smooth and creamy chocolatey taste you’ll love!

Visit www.cadbury.co.za for more information.

ITH THREE MRS BALLS SIZZLES WAVOURS TANTALISING NEW FL For over 100 years, Mrs Ball’s tasty chutneys have been on South African tables. Mrs Ball’s has stirred things up by launching three new delicious condiment offerings: versatile Sweet Chilli Sauce, spicy Jalapeño Chutney and mouth-watering Chakalaka Chutney.

TH FRY’S LAUNCHES SOULESS ROAST – AFRICA’S FIRST MEAT TREAT THE PERFECT FESTIVE

® ISH DENNY ADDS MOREND NUGGETS MUSHROOM BITES A E TO ITS FROZEN RANG Denny®, South Africa’s number one producer and supplier of fresh mushrooms, has announced the addition of three new mushroom-based products to its frozen range: Denny® Bites (Plain and Cheese) and Denny® Nuggets (Plain).

Both products contain no added MSG, no soya and no GMO ingredients, making them a completely guilt-free snack or meal. Made with fresh mushrooms, onions and a hint of garlic, Denny® Bites and Nuggets are moreish, versatile and convenient, as they can be cooked in under 10 minutes.

These no-fuss, no-mess snacks for the health conscious can be enjoyed as is, or with a tasty dip of choice.

For more information, visit www.denny.co.za.

After two years in the making, the family-owned, plantbased food company, The Fry Family Food Co., has developed a festive meatless meatloaf, introducing the first plant-based roast to hit South African shelves. Its new Soy and Quinoa Country Roast is a delicious and nutritious meal that can easily hold its own on any festive dinner table.

The roast is made with two of nature’s finest plant proteins: quinoa and soy. The brand’s new edition is rich in omega-3 fatty acids, iron and fibre; low in saturated fat; and 100% free from GMO, hormones, antibiotics and cholesterol.

The 500g Soy and Quinoa Country Roast is sold in select Pick ‘n Pay stores.

Check out the website at www.fryfamilyfood.com.

www.spotongmag.co.za

Recommended retail prices at time of going to print – prices subject to change at retailers’ discretion. Images: Manufacturers and distributors.

Visit www.mrsballs.com for more information.

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S E G A R E V E B BRAND NEW NEW LIQUOR PRODUCTS

BERRY AND P S A R S E C U D O R T IN CBC S PEACH KRYSTAL WEIS

The Cape Brewing Company (CBC) proudly presents Raspberry and Peach Krystal Weiss, CBC’s newly developed fruity beer mix drinks.

Food enthusiasts and craft beer lovers are familiar with the pairing of food and beer, but many may not be aware of the influence that fruit has in the making of beer. The Raspberry and Peach Krystal Weiss variants both contain 97% of the award-winning Krystal Weiss and 3% natural fruit syrup.

Available in 340 ml bottles, the carefully selected combination of Krystal Weiss and fruit flavours are refreshing, with a well-balanced flavour experience of sweet and sour, making it a perfect drink for the summer season. The fruity sensations are produced with natural ingredients. With less sugar than regular wine coolers and 97% pure, award-winning Krystal Weiss, it is the ideal refreshing drink for beer lovers and non-beer drinkers – male and female alike.

Recommended retail prices at time of going to print – prices subject to change at retailers’ discretion. Images: Manufacturers and distributors.

For more information and updates on events, new products and more, visit www.capebrewing.co.za

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BEST GINS ONE OF THE WORLD’SOUTH AFRICA NOW AVAILABLE IN S Monkey 47 is regarded as one of the world’s best gins, and it’s now available in South Africa. This awardwinning, premium, small-batch gin is made with 47 different botanicals and based on natural spring water taken from the Black Forest in Germany. It was voted the world’s number one gin in 2014. This aromatic gin, with a complex flavour profile, is a must-try. It is available at selected bars and for purchase online at Norman Goodfellows for a limited time only.

Visit www.monkey47.com for more information.

IERRA TEQUILA S G IN C U D O R T IN !

O HOLA AMIG When Merriment&Co chose a tequila brand to market and distribute in South Africa, it was not prepared to settle for anything but the very best.

Sierra tequila is distilled from hijuelos (baby agave plants) that are cut by hand from mature plants, which are grown in large fields in the highlands of Mexico. No artificial fertilisers are used and each plant is carefully tended by the jimadores (fieldworkers), who have a proud tradition of caring for their plants with their hands and their hearts, all the way from planting to harvest. No wonder Sierra tequila is now Europe’s number one tequila brand.

Sierra is also the only orange and cinnamon flavoured tequila in South Africa. Sierra Spiced is a sweet blend of Reposado tequila with orange and cinnamon flavours. Simply irresistible and a completely new tequila experience.

Visit www.merriment.co.za for more information. www.spotongmag.co.za

WHISKEY THE DUBLINER IRISH Also brought to South Africa from Merriment&Co, The Dubliner is an Irish whiskey launched in June 2015 as the Spirit of The City – a city steeped in over 1 000 years of history and renowned for its rich culture, distinctive character and vibrant personality. The Dubliner bottles this character, known in Ireland as the craic. The Dubliner Irish whiskey is a blend of single malt and grain whiskies, aged in bourbon casks that are individually selected for blending, giving a warm and smooth whiskey with a lasting finish.

The Dubliner Irish Whiskey and Honeycomb is an expression of The Dubliner Irish whiskey and is a smooth blend of honeycomb, caramel and Irish whiskey. The result is a perfect introduction to Irish whiskey for those looking for a sweet, smooth drink that works equally as well in coffee, a shot on the rocks or in cocktails.

Visit www.merriment.co.za for more information.

NEW SAVANNA LAUNCHES ER RUM FLAVOURED CIDES FOR THE CHOSEN ON Savanna, the popular South African cider with a refreshingly crisp taste, has introduced a daring new variant, Savanna Blackbeard, to its existing portfolio of premium variants. A first of its kind in South Africa, this delicious premium cider is made with a splash of rum flavour, resulting in a bold new taste for an adventurous drinking experience.

Blackbeard is infused with the sweet flavours of rum but also surprises the palate with hints of raisin, spices and fermented honey. The golden liquid, with a 5% ABV, leaves a smooth, refreshing finish – a true reflection of a pirate’s adventurous and bold relish.

For more information, visit www.savannacider.com

A IS HERRADURA TEQUIL AND HAND HARVESTED, HTTLED CRAFTED, ESTATE BO Casa Herradura, one of Mexico’s most historic and renowned tequila producers, has released its finest variant in South Africa: the 100% agave ultrapremium Reposado. With a heritage of over 140 years, the tequila farm also boasts partnering with the first-ever female master tequila distiller in Mexico, Maria Teresa Lara López.

This respected producer has a credible reputation and acceptance as being the first brand to age its tequilas in wood – globally marketed as Reposado tequila.

Available at participating Makro, Norman Goodfellas and Checkers Liquor stores nationwide.

Visit www.herradura.com

ZESTY VARIANT A S E C U D O R T IN L E AMST TO THE BEER MARKET Amstel Lager is proud to announce the latest extension to its range of beer, with the introduction of a beer made with real lemon juice – better known internationally as a Radler.

Radler has its origins in 1922, when a Bavarian named Franz Xaver Kugler built a bar at the end of a popular bike trail in Germany. After some 13 000 cyclists rode into town demanding beer, Kugler realised he didn’t have nearly enough to satisfy the thirsty German cyclists.

Panicking, Kugler improvised by mixing half his inventory of beer with thousands of bottles of clear lemon soda from his cellar. The 50/50 beer-lemon concoction was an instant hit, and Radler (meaning “cyclist” in German) was born.

Unlike Kugler, Amstel – the slow brewed, extra matured beer – is mixed with real lemon juice to create its new tasty and refreshing variant, Amstel Radler, with 3% alcohol by volume.

This surprisingly refreshing drink combines a 60% ratio of Amstel Lager with a 40% ratio of real lemon to create the perfect summer beverage. This ratio, together with the low alcohol content, makes the new addition to the Amstel family the choice of beverage to have during any chill moment.

For more information, visit www.amstel.co.za www.spotongmag.co.za

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LIQUOR NEWS

S D N A R B R O U Q I WINNING L ds and highest Hat-tricks, double-gol

p brands

recognition for our to

SPECIAL REPORT ’S IN K T A IM T S E C A G R STEENBE NS OF 91+ WITH 12 DISTINCTIO

In a major coup for cool-climate Constantia wines, Steenberg Vineyards has achieved 91/100 or more for no less than 12 wines in Tim Atkin’s South African 2017 Special Report.

Breaking the venerable 90+ barrier across its entire range with five white wines, four reds and three Méthode Cap Classiques is testament to Steenberg’s resolute focus on quality and consistency in expressing its terroir.

Top scorer, on 94/100, is Steenberg’s flagship white blend, Magna Carta 2016. Next up among the whites is Steenberg Semillon 2016 on 93, with Rattlesnake and Black Swan 2016 Sauvignon Blancs both on 92 points, and the estate Sauvignon Blanc 2017 on 91.

Leading the pack for the red wines with 93 points are Steenberg Catharina 2015 and Nebbiolo 2015, followed by Merlot 2015 and Syrah 2015, both on 92.

Steenberg’s grande cuvée, Lady R 2012, is top of the pops with 93 points among the Steenberg MCCs, with both the 1682 Chardonnay and 1682 Pinot Noir scoring 91.

Atkin, a British Master of Wine and accomplished wine commentator with extensive experience when it comes to South African vineyards, tasted almost 1 700 local wines for his 2017 Special Report, now in its fifth year.

THE 2017 GOLD T A ST O P E T O O R G R GOLDEN HAT-TRICK FO Groote Post, the historic family estate in the cool-climate Darling Hills, is the proud recipient of a golden hat-trick at the 2017 Gold Awards, winning gold for its Sauvignon Blanc 2017, The Old Man’s Blend White 2017 and The Old Man’s Blend Red 2016.

Groote Post Sauvignon Blanc 2017: Groote Post has become almost synonymous with Sauvignon Blanc since its maiden Sauvignon Blanc was launched to high acclaim in 1999. The 2017 vintage is a beautifully crisp wine. On the nose, fragrances of white stone fruit with quartz-like minerality greet you, and a touch of asparagus rounds it off. The palate has great length, showing green fig and gooseberry flavours.

Groote Post’s The Old Man’s Blend Wines: The Old Man’s Blend range came into being in 2001 at the behest of Groote Post’s “Old Man”, Peter Pentz, who asked the family to blend him a red wine to enjoy as his winter evening tipple. The enormous popularity of The Old Man’s Blend Red established a Groote Post tradition, with The Old Man’s Blend White subsequently added to the range.

Groote Post’s The Old Man’s Blend White 2017: This fresh Sauvignon Blanc-based summer wine, with Chenin Blanc and Semillon, displays tropical fruit notes. A fresh acidity livens up the palate with a finish of guava and green apple flavours.

Groote Post’s The Old Man’s Blend Red 2016: A blend of Merlot, Cabernet Sauvignon, Shiraz and Cabernet Franc, with prominent cherry, mulberry and cedar wood notes and soft and ripe tannins giving an elegant finish.

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AWARDS

NAL HIGHEST INTERNATIO UTH AFRICA’S RECOGNITION FOR SO DIES WORLD CLASS BRAN Fine potstill brandies from the House of Van Ryn’s and Oude Meester dominated the podium at the 2017 International Wine and Spirits Competition (IWSC) in London, collecting Gold Outstanding awards for the Oude Meester Souverein 18 Year Old and the Van Ryn’s 20 Year Old Collector’s Reserve.

Y ROSÉ NEW STEENBERG RUB ROCKS DOUBLE GOLD Steenberg’s new rose-petal pink Rosé has hit the high notes, scooping double gold at Rosé Rocks 2017, South Africa’s only dedicated rosé wine competition.

A fabulous burst of spring, Steenberg Ruby Rosé 2017 is invigoratingly dry, light and flirty – pure delight for summer, Fridays and all happy occasions in between.

This striking blend of Syrah (51%) and Cinsault (49%) teems with whiffs of watermelon sorbet, toffee apple and red liquorice candy.

Crisp yet full and creamy with a mouthful of juicy raspberries, wild strawberries and hints of spice, this dry, fruit-forward rosé has lovely depth, and refreshes with a zesty citrus finish.

The judges were impressed by Van Ryn’s 20 Year Old, waxing lyrical in describing a hint of cinnamon and fresh baked buns on the nose, leading to a palate carrying hints of leather, spiced cream and a suggestion of ginger. The Oude Meester Souverein proved equally popular with the judges, who found rich veins of vanilla and oak on the nose, followed by notes of spiced cooking apple with ice cream. The palate entices with hints of red apples, stone fruit and nutmeg before leading to an elegant finish enhanced by subtle notes of sweet grape and leathery oak.

Strutting her stuff with a beautiful rose gold capsule and delicate filigree trim, Steenberg Ruby Rosé is on trend for the upcoming summer season. You’ll want to be seen with her at picnics, light lunches and sundowners, so be sure to keep a bottle or two in the fridge.

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Read by business owners and their managerial staff.

TAVERN REVIEWS

E C I V R E S R U O Y T A s ading liquor trader

Spotong chats to le

MOFOKENG TAVERN elma Mofokeng Owner: Teboho Th

F

– Organisation: GL

How do you handle difficult customers?

I lost my job in 1997 and then decided to start selling liquor. I started by selling one case of beer at a time. It took a while, but if I look back, it was worth it.

I employ three people to help me run my tavern.

What challenges do you face in this industry?

The competition is very tough! I have three other taverns, as well as a bottle store, surrounding my business. I buy my stock from either SAB or the local bottle store, but competing with the other local taverns is getting harder.

What are your top-selling brands?

I sell beer, mostly. My customers love Hansa, Castle Lite and Windhoek.

JIMMY’S INN

I try to talk to them gently and they listen to me. I also ask them to go home and sober up, and then they can return when they are feeling better. I don’t really have difficult customers. I only allow older people into my tavern, and the youngsters know that they aren’t welcome.

How do you give back to your community?

I belong to the BFBVA, and we are always helping those in need throughout our community. I am currently assisting an orphaned youngster in my community by providing him with the basics he needs to survive, and I am trying to get him back into school.

Location: 1125 Mogashoa Street, Ext. 1, Basothong Section, Vosloorus

rganisation: GLF

o Amelia Moss – O Owner: Nonkululek

How did you get into the tavern trade?

I started my tavern after my son passed away in 2010. Jimmy’s Inn is named after my late son. I started with very little – one case of Hansa and one case of Castle. My business has really grown, and now I am able to buy many crates at once.

What sets your tavern apart from the rest?

My customers love my tavern because I have heaters and big screen TVs, and I serve delicious food. I operate seven days a week and I have a full house each night. Everyone comes to watch their favourite soapies in the evening.

We watch Isidingo, Rhythm City and Generations and when there is live

Ms Nonkululeko Amelia Moss

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Ms Teboho Thelma Mofokeng

soccer, my tavern is the place to be.

I also stock a big variety of liquor, and sell cigarettes and cooldrinks as well.

How do you handle difficult customers?

I am very hands-on in every aspect of my tavern and the day-to-day running of it.

My customers respect me, so I am lucky to not really have trouble with difficult clients. My tavern is a home away from home for everyone, and we all get along.

Do you have future plans for your business?

My tavern is doing really well, but I always wanted to open a spaza shop as well. I have a home in Rustenburg that is ideal to operate as a spaza shop. I think that will be my next step.

Location: 12634 Thalobodiba Street, Ext 23, Eastfield, Vosloorus

Images: Tavern Owners

How did you get into the tavern trade?

BUGS INN

on Owner: Rose Peters

HA

– Organisation: NT

How did you get into the tavern trade?

The company that I worked at for many years closed down. I had just bought my house two years prior to that and I was stressed about how to pay my bond, as my husband was also unemployed.

I asked around for advice, and that is where I got the idea to open my tavern.

I started in 1998, very small at first with only two cases of beer. I now employ seven people who help me to run my tavern.

What sets your tavern apart from the rest?

I am right next door to the police station, so I am by far the safest place to be.

No one takes chances, knowing that the police are next door. Also, on weekends, we braai in a big way and that is a hit with my patrons. My daughter prepares all the delicious food.

What challenges do you face in this industry?

I have a problem with stock for certain brands. I always struggle with replenishing my Lion and Brutal Fruit stock. We also have a massive problem with cable theft in my area. We are often without electricity because of this.

How do you handle difficult customers?

My customers know me very well. With me, you get a red card immediately! I also ban them completely.

Do you have future plans for your tavern?

I would like to get a piece of land to start a car wash.

Location: 25 New Road, Kliptown

Ms Rose Peterson

MONDE’S PLACE

isation: NTHA de Dlhadlha – Organ

Owner: Mon

How did you get into the tavern trade?

I got retrenched in 1996. It happened all of a sudden. I had a bunch of friends who would visit me often, and we would drink about three cases of beers each time. That is how the idea came to me to start a tavern. I told them that they would now pay to drink at my place. I also had a portable snooker table that

was popular. I applied for my licence, which took very long, but it was worth it.

What sets your tavern apart from the other taverns in your area?

My tavern is very big and spacious. I also have separate bathrooms for males and females and a smoking area. We also serve fish, Russians, chips, and stew and pap, which is a favourite.

What challenges do you face in this industry?

There are just too many laws, which change constantly. Every year they want me to renew my licence, which is very expensive.

What advice would you give to someone wanting to start a tavern?

First, it is not easy. You must know how to work with people and you must be compliant. Always adhere to the rules, such as the opening and closing times, and respect your neighbours.

I open up my tavern doors for prayer meetings when we have a community member who has passed on. My door is always open to assist my community members.

Location: 4220, Khomo Street, Pimville, Zone 4, Soweto Mrs Monde Dlhadlha

www.spotongmag.co.za

Images: Tavern Owners

In which ways do you give back to your community?

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TAVERN REVIEWS

ZIZI’S PLACE

How did you get into the tavern trade?

I started in 2006 with three cases. I was looking for a way to provide for myself, and starting a tavern was the best option for me. I can now look after myself and I still run my tavern alone.

What are your top-selling brands?

My top sellers are Black Label, Hansa, Milk Stout and Castle Lite.

What sets your tavern apart from the other taverns operating in your area?

I make the best head of sheep and my customers love it. I also sell lots of other food and my customers never go hungry.

I think the fact that I attract the older crowd makes my tavern safe. I have regular customers who know how to

BTC TAVERN

n: SALTA

mini – Organisatio

la Owner: Nomazizi D

relax, and we never have problems with drunk people like the other taverns do.

Do you have future plans for your tavern?

Yes. I would like to renovate to make it bigger to accept more people, and give it a complete upgrade.

In which ways do you give back to your community?

I always try to help wherever I can.

My tavern is not very big, so I don’t make a big profit, but if someone in my community is in need, I will definitely assist them if I am asked.

Location: 16598, Zone 3, Sebokeng, Vereeniging

sa – Organisation:

Owner: Eric Bambi

SALTA

How did you get into the tavern trade?

My dad had a tavern when I was growing up. I remember my dad making traditional beer and selling it when I was young. I started my own tavern at the age of 27 with the proper licensing, but my first tavern was bulldozed to the ground. It was tough in the beginning stages.

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Do you have future plans for your tavern?

I would like to put in Wi-Fi for everyone to use. I can picture everyone sitting with their laptops and having a bite to eat.

In which ways do you give back to your community?

I look after my patrons like no other. I make sure that there is water on each table and food available to everyone, so that they can enjoy themselves responsibly.

I do a lot for the old-age homes in my area. I cook for them in winter and donate blankets, and in summer, we do raffles to raise money for them. We have even done a walking competition for the residents.

I never put them out, they will just continue to fight outside. I take them

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into my home and sit them down. I warn them and then make sure they are kept separate once we are back inside the tavern. I am the peacemaker!

What sets your tavern apart from other taverns in your area?

How do you handle difficult customers?

Mr Eric Bambisa

Ms Nomazizi Dlamini

Location: 590005, Zone 3, Sebokeng, Vereeniging

LIQUOR STOCK HEADER

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TAVERN REVIEWS

®

BASIENG LOUNGE alane

Owner: Bazil M. Moh

How did you get into the liquor trade, and what challenges do you face in this industry?

I took over from the previous owners about two years ago. My main challenge at the moment is that there are many other taverns competing with me in the same area. Also, the culture in the Free State is completely different to what I am used to.

What role has Club 10 played in the success of your business?

Having Club 10 on my side gives me more power. I am the only Club 10-affiliated tavern in my area, and I am able to offer a bigger variety of stock to my patrons. The other taverns cannot offer the same as me. I also stand out because of my branding, and they can see that I am part of a bigger group. I think that makes my tavern safer.

Basieng Lounge

What are your top-selling brands?

I would say beers and ciders are the most popular. Everybody loves a cold Black Label!

Do you have any future plans for your business?

Yes, I have a very unique idea. My plan is to host a celebration every month for the different star signs. As an example, all my patrons who are Virgos will celebrate

together, and I will have specials running and birthday tables to hire to those wanting to celebrate their birthdays in a big way.

Bazil Mohalane passed on at the end of September. Club 10 and Spotong wish to extend our deepest sympathy and condolences to his family, friends and patrons. May his soul rest in eternal peace.

Location: 1850 Hani Street, Mokwalo, Vredefort, Free State

PAT’S PUB & CLUB ebo

Owner: Patrick Mal

How did you get into the liquor trade, and what challenges do you face in this industry?

I worked for a company that closed down in 1998. I then decided that it was time to work for myself. In that same year, I started building my tavern and applied for my tavern licence. In 1999, I could officially open for business. I would say that my main challenge so far has been that the tavern trade is seasonal.

It is very quiet in winter, and I must market my tavern constantly to bring in business. Another challenge is the patrons who get too drunk. I have had to employ extra security to handle them.

What role has Club 10 played in the success of your business?

Because of my association with Club 10, I am in the fortunate position of always

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having enough stock. It has also assisted me with negotiating better prices with suppliers.

Location: 778 Kgale Section, Phokeng, Rustenburg, North West

What do you think sets your tavern apart from the rest?

My tavern is very popular. It has been featured on the radio and Soweto TV. Black Coffee, DJ Zinhle and DJ Fresh have also played at my tavern. I have the best venue for hosting parties and events.

Do you have future plans for your business?

Yes, my plan is to introduce a buy and braai, and I have already set up a shop that offers airtime, electricity, lotto and a money market. I would like to have a Wi-Fi connection as well. I have already registered other businesses in my community, and I would like to help with eradicating unemployment and to be a successful businessman with a legacy behind him.

Mr Patrick Malebo

UB ES‘BAYENI SOCIAL CL kana Owner: Sidney Nodi by: Thandi Jonas Managed full time

How did you get into the liquor trade, and what challenges do you face in this industry?

The tavern was started three years ago.

We don’t have any challenges. We attract the older crowd, so we don’t have issues with fighting, etc. It is very peaceful and my patrons know how to enjoy themselves responsibly.

What role has Club 10 played in the success of your business?

Club 10 has given me promotional items to help with branding. Also, I am able to purchase stock with my Club 10 account, which helps in a big way.

What are your top-selling liquor brands?

Castle Lite, Red Label and Viceroy are my top sellers.

Do you have future plans for your business?

Yes, I would like to extend the kitchen area. I have already built a fireplace on the side of the kitchen. We have been attracting customers with the braai meat that we sell, so I am hoping to add more to the menu when that area is extended.

Location: ERF 1711, Zone 27, No. 24, Langa, Western Cape

Ms Thandi Jonas

N R E V A T E N A C N A K A IZ S ubane

Owner: Velephi Ng

How did you get into the liquor trade, and what challenges do you face in this industry?

The tavern belonged to my parents. In 2006, we were robbed, and myself and my parents were shot. My parents died and I was the only survivor. I took over the family business, and God’s grace brought me through that tragedy in order to move forward. I now employ eight people. My main challenge is the crime. We are based in a rural area, and the thugs often break our windows and just damage everything.

What are your top-selling liquor brands?

As a tavern owner, how do you give back to your community?

The favourites are Hansa, Smirnoff, Black label and J&B.

I allow community members to make extra money for themselves by selling food at my tavern. I also sponsor school uniforms each year for children in need.

What do you think sets your tavern apart from the rest?

I invested in a projector for my patrons to watch their sport live. Game days are very busy, as everyone comes to watch sport at my tavern. Also, my music is always great.

Location: Res. No. 14, Thandizwe Area, Ekuthukuzani, Manguzi, KZN

What role has Club 10 played in the success of your business?

Club 10 hosts big promotions at my tavern, including talent shows. It also helps to keep my tavern in good shape.

Just recently, Club 10 painted my walls.

Sizakancane Tavern

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EDITORIAL

“I used to run every day. I planned on doing the Comrades.

Everything changed.“

ICA R F A H T U O S O E G IA D O T S T A H C G N O T O P S

S

torytelling has been a characteristic of civilisation since it started about 3100 BC. Communities, separated by vast distances, shared cultural nuances, tales of discovery and warnings of danger using fireside narratives and art left imprinted in rock.

Hundreds of thousands of years later, communities are now closer than ever. Connected in a rapidly moving, technologydriven society where stories are swapped more than 705 billion times between people and are largely driven by some 966 million websites and 3.7 billion internet users.

While the delivery mechanism may have changed (and sped up), one thing has remained true through every age – the art of telling stories to teach, share, educate, warn, celebrate, preserve culture and instil values and morals. It’s for these reasons that storytelling continues to play such an integral part of our lives.

It is also why, for its Drive Dry campaign, Diageo has embraced the art of storytelling. Not only to educate South Africans about what can go wrong when drinking and driving, but also to try and change behaviour – one of the most difficult objectives to achieve with any campaign, especially when it involves a substance like alcohol.

“By working with South Africans Against Drunk Driving (SADD), and by leveraging social networks, we were able to connect to 10 powerful storytellers – all victims of drunk driving in one way or another. Their stories demonstrate the incredible impact that the irresponsible use of alcohol can have – irreparable damage to bodies and lives, death, travel bans and the high costs of legal fees. Their stories have given our campaign immeasurable grit and resonance,” says Sibani Mngadi, Corporate Relations Director at Diageo SA.

As we draw closer to December, it is sadly the time of year when road deaths and accidents attributed to the misuse of alcohol are often at their highest. The 2016 festive season saw a total of 1 714 fatalities – a 5% increase on the previous period.

The festive season is also when families and friends spend time together, celebrating and swapping stories across the dinner table and beach blankets. Often, these storytelling sessions involve the consumption of alcohol.

“Our intention with the Drive Dry campaign is to infiltrate those shared conversations using real stories, from real South Africans who have experienced very real loss, trauma, hurt and difficulty due to driving while under the influence – either due to their own actions or those of a loved one or a stranger,” says Mngadi.

The 10 stories have been captured by way of videos, photographs and editorials. Each storyteller has been filmed telling their story. It’s how Diageo is bringing storytelling into the modern age – from bedside to handheld device.

Two of the biggest audiences Diageo hopes to reach are the thousands of underage drinkers in South Africa, and those individuals pouring the drinks – not only the tavern owners, but the bar staff too. These are the people who so often listen to stories as they top up glasses, and Diageo wants them to understand the role they have in breaking this cycle. It’s not just understanding the licensing and legislative requirements for the sale of alcohol, it’s about what happens when that person who is four drinks down leaves the tavern and gets in their car.

The stats and the stories tell a sad tale. Diageo wants South Africa to change – and wants to be a part of that change. Diageo hopes that South Africans will not only embrace these stories, but start sharing their own ones as well.

Follow Drive Dry on Facebook, Twitter and Instagram @DriveDry 56

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HEALTH AND SAFETY

S E U L B Y A ID L O H E H T G DEPRESSION - BwEnATIN lidays get you do

Don’t let the ho

S

outh African studies show that the prevalence of depression is rising. The end-of-the-year blues affect many people, and even though the holiday season is synonymous with joy, celebration and freedom from our stressful working lives, many people feel lonely, anxious and depressed. This can lead to alcohol and substance abuse.

The holidays can be a painful reminder of being without family members or friends, or bring on thoughts of past hurts.

It is important to remember is that there are things that can be done to control these feelings, and there is help available.

What is depression?

Depression (major depressive disorder) is a common and serious medical illness that negatively affects how you feel, the way you think and how you act. Fortunately, it is also treatable. Depression causes feelings of sadness and/or a loss of interest in activities that were once enjoyed. It can lead to a variety of emotional and physical problems and can decrease a person’s ability to function at work and at home.

How to spot depression in others Depression symptoms can vary from mild to severe. There are many symptoms, and one person’s experience may be completely different from the next.

If you suspect someone you know is depressed, here are some of the physical signs to look out for: • lack of energy/feeling tired all the time • restlessness and agitation • having difficulty sleeping (or sleeping more than usual) • poor appetite, which may lead to weight loss • smoking and/or drinking more than usual, or using drugs • lack of interest in sex • unexplained physical aches and pains • self-harming.

There are emotional signs of depression as well. Some of these may seem obvious, while others are harder to spot.

Among the most common things to look out for are: • feeling sad and in low spirits all the time, and crying a lot • having no interest in anything • constantly feeling anxious • having difficulty concentrating or remembering things, and difficulty in making decisions • low self-confidence and self-esteem, and withdrawing from family and friends • being more irritable and impatient than usual • feeling helpless and hopeless.

How you can help If you spot any of the above signs in someone you know, they may well be depressed. They may also not have spoken to anybody about their concerns, so try to get them to open up and talk about how they feel – but be careful and gentle about how you approach the subject. The best thing that you can do is simply to listen. Letting them get everything off their chest and supporting them in any way you can think of could be invaluable. Depression can be treated with medication and psychotherapy, so encourage them to visit their doctor to get a proper diagnosis and treatment.

Self-help and coping There are a number of things that people can do to help reduce the symptoms of depression. For many people, regular exercise helps create positive feelings and improves their mood. Getting enough sleep regularly, eating a healthy diet and avoiding alcohol, which is a known depressant, can also help reduce the symptoms of depression. Depression is a real illness and help is available. With proper diagnosis and treatment, many people with depression will overcome it.

For help, contact the South African Depression and Anxiety Group: www.sadag.org SADAG Mental Health Line: 011 234 4837 or SMS 31393 Department of Social Development Substance Abuse Line (24-hour helpline): 0800 12 13 14 or SMS 32312 Destiny Helpline for Youth and Students: 0800 41 42 43 www.spotongmag.co.za

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SECURITY

S N O I T U L O S H C SMART TE ey e money and save mon or m e ak m , ly th oo sm n Make your business ru oducts for your tavern and spaza shop. pr with these innovative

O TURN TAP WATER INT SPARKLING WATER WITH SODASTREAM. -SAVER! THE ULTIMATE MONEY

SodaStream enables consumers to transform ordinary tap water into sparkling water and flavoured sparkling water easily and in seconds. By making ordinary water fun and exciting to drink, SodaStream helps consumers to drink more water. The products promote health and wellness, are environmentally friendly, cost effective, customisable and fun to use. To learn more about how SodaStream makes water exciting.

Visit www.sodastream.co.za.

UNTERFEIT CO M O FR S ES N SI U B R PROTECT YOU 0 NOTES PER MINUTE 0 0 1 TO P U T N U CO NOTES AND CASHSMART M O FR S CT U D O R P E WITH THES CashSmart UV pen These pens are perfect for use on the road, as you can spot a counterfeit note simply by drawing a line on the note – if the line goes black, the note is a counterfeit. These pens can be used at till points, are extremely accurate and best of all, they require no electricity.

CashSmart 8 Watt UV and white light Perfect for countertops, this is a very bright UV light for markings and paper and a bright white light for watermarks. It is made in South Africa, so the parts are easy to obtain and the globes can be changed in a minute.

CashSmart 400 note counter The CS-400 note counter can process notes at up to 1 000 notes per minute. It has three LED screens, which makes it perfectly suited for counter cash processing, allowing customers to view the cash counting process.

The CS-400 has the ability to open the whole top section, allowing you to blow out dust and clean easily. It has UV and MG counterfeit detection, and a smooth and silent mechanism.

For more information and product offerings, visit www.cashsmartsa.co.za.

MORE WITH SAVE SPACE AND SELLLUTIONS FROM PYROTEC MERCHANDISING SO Display your merchandise with Do-It hang tabs and display strips for eye-catching displays.

While all five senses play a role in the purchasing process, sight remains the most important.

Products that are well packaged and visible on store shelves have a better chance of being purchased. A quick and easy way to ensure your products are visible is by using Do-It’s range of hang tabs and display strips.

Visit www.pyrotec.co.za for more information and products.

VEHICLE REVIEW

E N O -T O W T G IN IT C X E S D MAHINDRA AD E G N A R 0 0 1 V U K O T T N VARIA a Dash of Style essive SUV Stance and Dynamic Design, Aggr

Mahindra, KUV 100

T

he KUV100 TWO-TONE K8+ Petrol variant offers the following colour combinations – red with black roof and silver with black roof, as well as a 15” diamond cut alloy wheel and new black interiors.

The exterior design mirrors today’s youth and their aspirations, with its confident stance, focussed expression in the front, underlined by the DRLs, the body creases reflecting modern dynamism and all the accessories such as the cool and trendy wraparound sunglass-inspired headlamps and the chrome accents that accentuate the cool quotient of the KUV100. The exterior also boasts a sculpted bonnet, muscular body lines and bold undercuts, double-barrel tail lamps, spider-design alloy wheels, clenched fist-inspired ORVMs, unique high-placed rear door handles, stylish roof rails, sporty rear spoiler, dual-tone rear bumper with sporty mud-flaps and body side cladding.

With peppy performance under the hood, the Mahindra KUV100 TWO TONE is powered by the all-new mFALCON 1.2 petrol engine. Named after a bird of prey, the mFALCON is a compact lightweight engine built to deliver peppy performance, much like its namesake.

Refined, stylish and spacious, the interiors of the KUV100 are designed for the young, stylish and intuitive, with all the requirements just a touch or a knob away. Boasting refined and stylish dual-tone interiors with piano-black inserts, a stylish floating dashboard design, joystick-like gearshift,

The pricing for the KUV100 K8+Two Tone 1.2 petrol comes in at R 193 995 and comes standard with a 3Year / 50 000km service plan and 3Year / 100 000km warranty and 3 Year roadside assistance.

KUV two-tone interior *all prices are correct at time of print

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sporty front seats with integrated headrests and see-through bezel, premium quality fabric upholstery, mood lighting inside the door handles, sculpted steering wheel with bolsters, twinpod instrument cluster and diamond-shaped outer AC vents.

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mFALCON G80 Petrol Engine • High-tech, all aluminium engine • Dual Variable Valve Timing for better fuel efficiency & performance • Excellent low-end torque for quick acceleration • Displacement: 1198 cc • Max. power: 61 kW @ 5500 rpm • Max. torque: 115Nm @ 3500~3600 rpm • Fuel efficiency: 16.94 km/l

KUV100 alloy wheel

RECIPES

N O S A E S Y A ID L O H E H T RECIPES FOR helping us to make ars of Hart cookware

Celebrating 125 ye

r homes

delicious meals in ou

F

or the past 125 years, Hart cookware has been providing South Africans with high-quality, affordable cookware. In celebration of this incredible milestone, Hart has partnered with renowned local chef and author, Dorah Sitole, to create a unique recipe book with 125 food ideas, including some submitted by Hart’s loyal customers. Check out these three delicious recipes to try during this holiday season.

ED CHICKEN) UMLEQWA (HAND-RAIS Recommended Hart product: Hart 250 mm J7 pot Featured product: Hart 7 litre catering pot Preparation time: 10 minutes Cooking time: 3 hours Serves: 4 Method In a large heavy-based saucepan, place chicken portions, add water and bring to a boil. Add stock cubes, lower heat, cover and simmer gently for 2 hours. Replenish water when necessary. Add onion and green pepper, and continue to cook for 1 hour until chicken is soft and falls off the bone. Serve on idombolo (steamed dumplings) with Spinach & Cheese (featured in the recipe book) and vegetable atchar.

Ingredients: • 1 whole hand-raised chicken, cut into portions • 4 cups (1 l) water • 2 cubes chicken stock • 1 large onion, peeled and sliced • 1 large green pepper, chopped • Salt and pepper, to taste

POT BREAD

• • • •

Tip: For tender, succulent meat and chicken stews, cook these proteins on medium heat.

Featured product: Hart large roaster Preparation time: 15 minutes Cooking time: 1 hour Makes 1 large bread

Ingredients: • 10 cups (1.2 kg) cake wheat flour or white bread wheat flour • 1 tbsp (15 ml) salt • 1 tbsp (15 ml) sugar • 1 pkt (10 g) instant yeast • Lukewarm water • 2 tbsp (30 ml) margarine, melted • Extra margarine, for greasing

BEEF BURGERS • Recommended Hart product: Hart HQ fry pan • Cooking time: 1 hour • Serves: 6 Ingredients: For the beef patties: • 1 kg beef mince • 1 small onion, peeled and finely chopped • 2 garlic cloves, peeled and crushed • 2 tsp (10 ml) Dijon mustard • 1 tbsp (15 ml) Worcestershire sauce • 1⁄4 cup (65 ml) fresh parsley, chopped • 1 large dill pickle gherkin, finely chopped • 2 large eggs • 1⁄4 cup (65 ml) oil • Salt and pepper

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Method In a large bowl, sift dry ingredients together.

Add sufficient water and margarine to form a stiff dough. Knead until the dough has an elastic texture. Grease a medium to large pot or roasting tin and its lid with margarine. Place dough in pot, cover and leave in warm place until the dough has risen to fill the pot. Place the pot over warm coals (the fire should not be too hot) and place a few coals on the lid. Bake for about an hour or until the crust is golden. Turn the pot regularly at different angles because the fire’s heat is usually uneven.

You can also bake this pot bread in the oven at 180°C for 1 hour.

To cook and serve: • 2 tbsp (30 ml) sunflower oil • 200 g cheddar cheese, sliced • 6 burger buns • 1⁄4 cup (65 ml) mayonnaise • 2 tsp (10 ml) Dijon mustard • Lettuce leaves • Tomato, sliced • Avocado, sliced • Red onion, sliced Method For the beef patties: Place all the ingredients in a large bowl, season and mix well. Using wet hands, shape the mixture into 8 patties. Cover and chill in the fridge for 30 minutes.

To cook and serve: In a pan, heat the oil and fry the patties for 5 minutes each side until browned and cooked through. Meanwhile, preheat the oven grill to medium-hot. Top each patty with a slice of cheese and grill for 2 minutes until the cheese bubbles. If desired, toast the burger buns until lightly golden. Mix the mayonnaise and mustard, and spread over the base of each bun. Top with lettuce, tomato, avocado, the patty and onions. Cover with the other half of the bun and serve.

To ensure the beef patties cook through completely, cook them slowly over medium heat.

Credits: Elsa Young for photos, Dorah Sitole for the recipes and Mokgadi Itsweng for styling

• • • • •

COCKTAILS

) P E E K D N A ( T E G O T S COCKTAIL !

D O O M Y A ID L O H E YOU IN TH The holiday season is here and what better way to get your patrons in the holiday spirit by adding these delicious cocktail recipes to your menu.

Recipes courtesy of Dia Noche - www.dianoche.co.za

ule M n a ic x e M o r f A e h Dia Noc

GLASS: Highball glass

ICE: Cubed

METHOD Build/stir

DIRECTIONS Build all ingredients in a highball glass filled with cubed ice. Top with ginger beer and charge together

INGREDIENTS • 50 ml Dia Noche LemonMint • 1/2 shot Blackberry puree • Dash Lime Juice • Top Ginger Beer

GARNISH Lime squeeze and mint sprig

Afro-Mexican Mule Cocktail

Dia Noche Mojito GLASS: Highball glass

ICE: Crushed

METHOD Muddle/stir

DIRECTIONS Muddle all mint leaves, lime wedges and agave syrup. Add Dia Noche Gold and Top up with soda and Lime Juice as well as crushed ice.

INGREDIENTS • 50 ml Dia Noche Gold • 4-6 Mint Leaves • 4 Lime Wedges • Dash Lime Juice • 15ml Agave Syrup • Top Soda

GARNISH Lime squeeze and mint sprig

Dia Noche Mojito

ise r n u S n a ic r f A e h c o Dia N GLASS: Rounded Vase

ICE: Cubed

METHOD Build/stir

DIRECTIONS Build all ingredients in a Collins glass and top with Grenadine

INGREDIENTS • 50 ml Dia Noche Gold or GingerBread • 15ml Grenadine • Top Fresh Naartjie Juice

GARNISH Lime squeeze and Orange slice Dia Noche African Sunrise

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65

PROPERTY

N E H W S T H IG R R U KNOWING YO N IO S S E S S O P E R E M FACED WITH HO

Y

our home is your refuge from the world, a place to raise your family and often the biggest financial commitment that you will make in your lifetime. However, thousands of people have been affected by the economic downturn and sadly, this has led to the loss of many jobs – often those of the breadwinners in the household.

This has resulted in homeowners not being able to afford the repayments on their homes, and ultimately losing them to the credit providers.

Groundup recently brought to light the case of more than 225 applicants, mostly from Gauteng townships, who have launched a suit in the Constitutional Court, claiming damages from the big banks for home repossession abuse.

The applicants are claiming R60bn from the banks for unlawful repossession of homes since the Constitution came into effect in 1994. This figure is based on the average estimated loss of home equity value multiplied by the roughly 100 000 homes repossessed in South Africa since 1994. Home equity is the difference between the market value of a property and the amount still owing on a mortgage loan. The Lungelo Lethu Human Rights Foundation is the driving force behind the suit, and has spent several years putting the case together in collaboration with advocate Douglas Shaw.

All applicants had their homes repossessed after supposedly falling into arrears on their mortgage bonds.

The homes were then sold at auction for a fraction of their market value through sheriffs’ offices around the country, according to the court papers. Shaw, who is representing the applicants, estimates homeowners have lost close to R60bn in foregone home equity as a result of the banks’ repossession practices.

South Africa’s sale in execution practices are considered among the most abusive in the world, according to research by Shaw, since they allow for homes to be sold at auction with no reserve price.

This has resulted in some homes being sold for as little as R10, and then on-sold by opportunistic buyers for hundreds of thousands of rand. In many cases, it 66

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Read the full story on Groundup at www.groundup.org.za

transfer takes place, so that you don’t have to worry about the sheriff knocking at your door;

Failing to keep up with your bond repayments

• If you do not keep up with your monthly payments and do not communicate with your bank and work with them to find a solution, you stand the possibility of bank repossession. If a solution cannot be found, the bank will take steps to have the property repossessed.

• Some people give up and wait for the Preventing home bank to do the repossession, thinking repossession that their financial worries will be over after the bank has repossessed Many property owners who cannot meet the property. But as soon as your their bond repayments make the common house has been repossessed, you mistake of not contacting their bankers, could have other creditors knocking and of ignoring the bank’s telephone on your door. You might be financially calls and letters. If you know that you ruined for a long time, as you will not are not able to make payment, contact be able to get further credit. your bank immediately and schedule an • When a homeloan client can no appointment explaining the situation, as longer afford his homeloan payments, it is in the bank’s interest to assist you the bank is forced to cancel the with finding a solution to the problem. homeloan agreement and institute There are various possible solutions legal action against the defaulter. that your bank will look at, as each Once judgment is obtained through individual’s situation is unique: the courts, the property is attached by the Sheriff of the Court and sold on an • Depending on your personal auction as a sale of execution. situation, your bank could offer you six months of paying half of your • A reserve price is set by the bank on monthly bond repayment, or possibly the property to cover the outstanding three months of no payments until your situation has improved.

• You could extend your bond payback period to 30 years, or apply for an interest-only bond. This will give you more cash in hand, but you will be paying more interest. You could always change your bond repayment again once your situation has improved.

• There is also the option of selling the property and settling your outstanding debts as soon as possible.

• Another option is to sell your property to a reputable property investor, who will value your property and give you debt. If this reserve price is not an offer to purchase within days. They reached at the auction, the bank will will often also settle your outstanding buy the property and it then becomes payments with the bank before a property in possession.

With the current economic climate, you can easily fall victim to not being able to manage your bond repayments. In light of this compelling case, it is important to know your rights and the other options available to you that can assist you in servicing your bond and keeping your home.

South Africa’s sale in execution practices are considered among the most abusive in the world, according to research by Shaw, since they allow for homes to be sold at auction with no reserve price.

With the National Credit Act (NCA), you have the option to apply for debt review, also known as debt counselling. You can apply for debt review at any time if your income is lower than your expenses and you have an income every month. The bank may not repossess your property or any other asset in your name while you are in debt review or even applying for debt review. This solution could give you more time to sort out your financial situation.

What is debt review?

Debt review is a debt solution targeted at consumers who are overindebted and struggling to manage their finances.

The NCA introduced this formal debt rehabilitation programme to prevent consumers from being placed into personal administration and having to deal with those long-term effects. The process was also implemented to make sure that debt counsellors follow strict and ethical guidelines when assisting clients with regaining their financial well-being.

Debt review is the process whereby a debt counsellor assesses a client’s outstanding debt and implements a restructured debt repayment plan. This will be done through the process of renegotiating interest rates with credit providers to reduce them, as well as by extending the debt repayment terms.

A new, affordable, monthly budget and payment plan will be drawn up by a debt counsellor. This will provide the client with the correct guidelines and means to live off. In addition to this, the debt review process entails that the client makes only one monthly debt repayment to a payment distribution agency, which will then pay all the client’s credit providers. This reduces the stress of having to keep up to date and on top of multiple debt repayments.

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is the banks themselves that are buying these houses at sheriffs’ auctions and then selling them for a profit.

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G N I K N A B F O T S E B MAKING THE Y L E F A S Y E N O M G N AND LENDI L E V K O T S R U O Y N I WITH STOKVELS

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s the stokvel sector continues to move towards becoming more formalised, more and more groups are making use of offerings from banks and other financial service providers, because these are seen as “safe” and a wise means of keeping their hardearned cash secure. Those that continue to keep their cash in hand to avoid bank fee charges and have it easily accessible put themselves at greater risk of theft and loss, and make it considerably more difficult to keep track of monies received and paid out.

Fortunately, times are changing. While there will always be stokvels that exist for the primary reason of catering to their members’ basic needs, such as groceries in December, there are an increasing number of stokvels which are realising that they can benefit from researching the financial products and services available to them. These include a variety of investment options for more sophisticated stokvel groups that are keen to grow their wealth. Club savings accounts are the most common vehicle for managing stokvel money, but unfortunately these do not offer much of a return in terms of interest earned, because of increasing inflation. Let’s compare some of the standard savings accounts available from the main banks, and explore some of the best ways for your stokvel to make use of what they are offering, as well as the issue of how to go about safe lending from within your stokvel.

Beating the banking blues – where to start? What to choose?

Let’s take a glance at what is on offer from the different main financial institutions, to understand the subtle differences: • At Standard Bank, your stokvel can choose a transaction savings account specifically designed for collective savings, called the Society Scheme. Interest is earned at a rate between 1.76% and 3.56%, depending on the balance held in the account, and you’ll need a minimum of R100 to open an account. For more interestbearing accounts that are liquid, you can opt

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These accounts, of course, provide the basic means for stokvels to transact and safeguard their money. But, as mentioned before, they do not offer much in the way of returns for stokvels to grow their money. We’ll take a look at some investment options for stokvel group accounts in future – in this issue, we explore safe lending in the context of stokvels.

Safe lending – what is it and how do we go about it?

There is an old saying that says: “Neither a borrower nor a

lender be.” Unfortunately, if we all lived by this rule, most of modern society would crumble around us. Stokvels are commonly referred to as a type of peer-to-peer lending system. You put money in and are technically “lending” it to your fellow members, until it’s your turn to receive your lump sum payout. But it is also common practice for stokvels to lend money to individuals from time to time, at significantly high interest rates – often between 20% and 50% per month.

This can pose an extreme risk because of the possibility of non-payment.

So how can safe lending within your stokvel take place?

• Trust: the first and obvious step would be to ensure that you participate in a group where you trust your fellow members. This means knowing them well enough to have a trust relationship.

• Good record-keeping: another key element to safe lending within the group includes the meticulous keeping of records. For groups that avoid using bank accounts and prefer to keep cash in hand, this is a problem, because keeping track of transactions becomes that much more challenging. Using the old method of recording all transactions in a book is tedious, time-consuming and outdated. It also presents the additional problem of what happens if the record-keeping book is lost or damaged.

Fortunately, StokFella now provides a solution for this, by making electronic record-keeping for all stokvels as easy as pressing a few buttons on the keypad of your phone. No more worrying about who has been paid or who still owes money to the group, and how to stay on top of it – it is all managed and stored on the app or mobi site.

• Transparency and accountability: when all transactions are transparent for group members to see, as is the case when they’re recorded on the StokFella app, it makes the borrower a lot more accountable to his peers. This, in turn, better safeguards the group against him defaulting on his payment plan agreement.

If your stokvel group is in the habit of lending money to members, make sure you have these elements in place to help protect against loss through non-payment. The traditional stokvel system has worked well for centuries, but with the rise of modern technology, it is now possible for it to work even better – and to provide greater economic empowerment to more people who need it most. *Special thanks to www.stokfella.com. Visit the website for more or sign up on the mobi site: www.stokfella.mobi

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for a Call Deposit account, which requires a minimum balance of R1 000 at any given time. Interest is earned at a rate of between 2.38% and 3.40%, depending on the balance. Other alternatives are a Money Market Call Deposit account, where your money is linked to the money market and guaranteed against loss, and interest is earned at a rate of between 5.90% and 6.43%, or a 32-day Notice Deposit account, with a minimum balance of R250 that earns interest at a rate of between 4.13% and 5.17%, depending on the balance.

• FNB provides stokvels with a specific, designated stokvel account (costing only R7 per month) that allows stokvel groups a rebate on their monthly management fee if more than R5 000 is held in the account throughout the month.

Jo-Ann du Plessis, head of pricing and product, says that one of the advantages of the FNB Stokvel account is that it makes provision for up to three signatories, so not only one person is responsible for the money.

• ABSA has a Club account designed for groups of two or more that offers tiered interest rates on positive balances, calculated daily and capitalised monthly, ranging from 1.40% to 4.80% interest. This account charges no monthly management fee, and account holders can earn an additional 1% interest bonus for accounts with balances of R1 000 and above. A 32-day notice period is required for fund withdrawal. A minimum monthly investment of R50 is required for this account. It also offers free alert notifications for up to three signatories.

• The Nedbank Club account requires R100 to open an account, but has no monthly maintenance or transaction fees and offers unlimited withdrawals, provided there are sufficient funds in the account. You will need to invest at least R1 000 to earn interest, which the bank says is market related and tiered. You will also need to maintain a minimum R50 balance, and the entire balance in the account can be withdrawn once a year. This account also offers members eNote notifications.

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SPOTONG EVENT

7 1 0 2 S S E IN S U B IN OMEN SPOTONnGofW women A celebratio

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n 24 August 2017, at the Orlando East Community Hall in Soweto, 800 dynamic and influential women, all small business owners and members of NTHA (National Tourism and Hospitality Association), GLF (Gauteng Liquor Forum) and SALTA (South African Liquor Traders Association), gathered together for a day of fun, celebration and networking.

Spotong, with the support of our partners and sponsors, LegalWise, Mahindra, Club 10, British American Tobacco, Ricoffy, Lanco and Soweto TV, pulled off what could only be described as the event of the year!

The beautifully decorated hall was filled with women dressed to the nines in their colourful traditional wear. The women were inspired by motivational speakers and top-class entertainment such as the Binda Family Quartet and Kamogelo Mlambo who got everyone out of their seats to sing and dance. The food prepared by the Ndofaya Academy Caterers was delicious and enjoyed by everyone. Many prizes were won and our guests enjoyed the personal interaction with the different exhibitors. Every supplier that serviced the event was sourced from the local township community to ensure that the event not only impacts the 800 invited guests, but their local communities as well.

We would like to thank our partners and sponsors, without whom the Women in Business event would not have been possible. See you next year where we go bigger and better.

EVENT PARTNERS:

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®

Vehicle Sponsor

Headline Sponsor

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SPOTONG EVENT

Dancing and singing was the order of the day

Smiles and excitement from our beautiful guests apon arrival

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Veteran trader, Pinky Mabuza

Guests reading the Spotong Magazine

Didi Okoro of Spotong Magazine

Kamogelo Mlambo Entertaining the ladies

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Delicious food was prepared by Ndofaya Hospitality Academy

Ladies signing up for the Club 10 giveaway

A big smile from the NTHA stand

Prizes courtesy of Club 10

Guests enjoying the Mahindra display

The Mahindra display

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The LegalWise team

The LegalWise stand

The ladies couldn’t get enough of the Lanco watches

Lanco displaying their beautiful range of watches

Ricoffy supplies warm coffee and scones

The colourful Peter Stuyvesant stand

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Club 10 team posing with their prize winners

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NTHA President, Fanny Mokoena

SALTA, Vicky Brandt

GLF, Phumzile Ratladi

Traditional dancers wowed us with their moves

Susan Masuku, LegalWise Brand Manager & Bareng Mojatau, Branch Manager of LegalWise Soweto

The Club 10 Team

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SPOTONG EVENT

Ladies showing off their dance moves

The Binda-family Quartet

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Ladies singing along to Praise songs

SUPPLIERS’ DIRECTORY BACHER & CO 011 372 6000 www.bacherco.co.za BBF SAFETY GROUP 031 710 0605 www.bbfsafety.com BRITISH AMERICAN TOBACCO SA 021 888 3406 www.batsa.co.za CLUB 10 031 713 8100 www.club10.co.za

Ladies in their traditional attire

Posing for the camera

COOPERS ENVIRONMENTAL SCIENCE 011 979 4246 www.cooperses.com DIAGEO ( VERB MEDIA) 010 003 8100 www.diageo.com EDWARD SNELL 021 506 2600 www.esnell.co.za HEINEKEN 010 226 5000 www.heineken.com/ZA JMC SA 011 668 0300 www.jmcsa.co.za LEGAL WISE 086 125 8885 www.legalwise.co.za LIQUOR CITY 011 306 9999 www.liquorcity.co.za MAHINDRA 012 661 3161 www.mahindra.co.za MASSCASH WHOLESALE 011 532 3888 www.masscash.co.za

Choosing the best dressed ladies was hard work!

NESTLE RICOFFY 053 447 7021 www.nestle.co.za NOVUS HOLDINGS 021 550 2500 www.novus.holdings SUZUKI 0861 511 111 www.suzuki.co.za UNEMPLOYMENT INSURANCE FUND 012 337 1700 www.labour.gov.za

Our best dressed winners

Our beautiful guests

UNITED NATIONAL BREWERIES 011 990 6300 www.unbreweries.co.za ZERO APPLIANCES 010 207 1600 www.zeroappliances.co.za