Spotong Issue 31

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THE RISE OF FAKE FOOD IN OUR TOWNSHIPS 10

BANKING OPTIONS FOR YOUR STOKVEL 58

SPECIAL BULK-BUYING CHECKLIST INSIDE 60

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STOKVEL BUMPER ISSUE! 40 58

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RECIPES FOR THE FESTIVE SEASON!

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CALEND AR INSIDE!

Spotong is proudly endorsed by:

www.spotongmag.co.za @SpotongMagazine |

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CONTENTS

CONTENTS

In this Issue

E T O N S ’ R O T EDI

T

he phrase “out with the old, in with the new,” means to move forward and is most fitting for this time of the year as we say goodbye to 2019 and welcome 2020. We have 12 new chapters and 365 new chances ahead of us and Spotong is moving forward into the new year with a bang!

We have been overwhelmed by the demand for the magazine and we have listened! You will notice that this edition is bigger and better!

We have introduced exciting new changes to accommodate more content as well as an increase in size and print run. We have no doubt that you will enjoy the new-look Spotong.

It’s stokvel season and many of our readers will be planning for their bulk-buying purchases or wondering what to do with their lump-sum payout. We have a special treat just for you. We have included a special stokvel section in this edition. In this section, you will find a bulk-buying planning guide as well as a special tear-out checklist to make the planning process easier so that you can concentrate on getting the best bulk deals and savings. We also have a special column by Palesa Lengolo, who has the answers to your most frequently asked stokvel questions.

Look out for our special giveaway on page 56 where two lucky readers stand a chance to win a copy of the recently launched book Stokvels, How They Can Make Your Money Work For You. Reap the rewards of being banked and check out our stokvel banking feature where we take a look at three banking options designed for stokvel needs.

Fake foods are flooding the South African market at an alarming rate and according to recent reports, it seems as if we have become a dumping ground for counterfeit products.

The health and wellbeing of our families and And of course, we bring you the latest industry customers are of primary concern to all of us and in our main feature, we take a look at the news to keep you up to date, new retail and liquor rise of fake food in our townships and how we products to stock up on and much, much more! can protect ourselves against it.

Wishing you a peaceful, safe, healthy and happy holiday season and may 2020 be another great Having insurance gives you peace of mind because you know your business is secure. The year where we see our township businesses prosper. new year is also an ideal time to look into your unique business needs so why not make looking Spotong will always be committed to bringing into your insurance your new year’s resolution? township traders the news, resources and Check out our special feature on insurance, advice that they need. We welcome your which looks at the most important types of views and feedback so drop us an e-mail on cover you should consider for your business and info@spotongmag.co.za for yourself as the business owner.

Find us on:

The holiday season is synonymous with food and lots of it! Are you cooking for big groups this festive season? We’ve got you covered with delicious recipe ideas to try from Spekko, Goldi Chicken and KOO.

facebook.com/ SpotongMagazine Twitter @SpotongMagazine

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COLUMNS NTHA: My Township. My Business. My Economy SALTA: The last fortress GLF stands against xenophobia, criminality and substance abuse together!

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MAIN FEATURE The rise of fake food in our townships

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BUSINESS MANAGEMENT GENERAL MANAGEMENT ISSUES 12 The dangers of binge drinking 14 Not all waters are created equal 16 Heineken South Africa upskilling SA’s youth

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RETAIL SEGMENT INDUSTRY NEWS 18 Hot Off the Press 20 The Tavern Tatler

NEW PRODUCT REVIEWS 22 New on the shelf 24 Essential retail stock 26 Our top kitchen wishlist item for the holiday season 28

LIQUOR SEGMENT 28 Brand new beverages 30 A toast to the festive season

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HOSPITALITY 32 Tavern Reviews: At your Service 34 Club 10 Taverns

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PERSONAL AND LIFESTYLE 36 Insurance equals peace of mind!

CONTRIBUTORS

Sean Press

EDITOR

MANAGING DIRECTOR AND PUBLISHER

Jenna Berndt

Charlene Heyburgh

PROOFING & SUB EDITING Margot Bertelsmann

CONTACT

info@spotongmag.co.za

PUBLISHING HOUSE

Donna Verrydt

Carmen Petre

CEO & DEVELOPMENT DIRECTOR

42 Great chicken dishes with Goldi Chicken

REPRO & PRINTING

44 Delicious recipes for the family with KOO

CTP Printers, Cape Town

46 Safeguard yourself and your money

FINANCE AND OPERATIONS DIRECTOR

48 Do you broadcast or play music in your business?

Lesley Fox

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SALES

Candy Mukwa Quincy Matonhodze Melanie Scheepers Dominique Wolf

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Gwen Sebogodi

TRAVEL 52 Travel FAQs

Janine Louw

PRODUCTION CO-ORDINATOR

PROPERTY 50 RDP home insurance is here

PROUDLY ENDORSED BY:

DESIGN & LAYOUT Contact Media & Communications 348 Republic Road, Darrenwood Tel: +27(0) 11 789 6339 Fax: +27(0) 11 789 7097 email: pressman@contactmedia.co.za web: www.contactmedia.co.za

40 Spekko Recipes

IT AND WEB MANAGER

www.spotongmag.co.za

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STOKVEL PAGES 56 It’s “that” season for stokvels: Bulk buying or payouts?

Copyright © 2020 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.

58 Banking options for your stokvel 60 Product checklist 61 Win at bulk buying 62 Always read the fine print

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COLUMNS: NTHA

www.spotongmag.co.za

fraudulent permits to people who don’t attend the workshops about responsible trading. Those people don’t even belong to an association because they know that an association needs a copy of their ID and license and proof of residence.

Meanwhile, Gauteng Liquor Forum and various associations have had more than five meetings wanting to know how far they have come in remedying the situation. We’ve been told by the chief director, Raymond Martin, that a lot has been done but he could not comment on what has been done. It is clear that the department is not on our side.

"My Township/My Business/My Economy, Qondisa ishishini lakho" is not going to happen for liquor traders, so how do you register an unlicensed business?

What is going to happen come 31 October?

For the past two years we have known the judgement of Judge J Matojane on 1 November 2017 relating to the application brought by the Yeoville Tax Payers' applications challenging the MEC’s decision to issue the 2013 Gauteng liquor and shebeen licence’s regulation. The court made the following key findings: there is no dispute regarding the proliferation of shebeens due to the discriminatory liquor laws under apartheid.

MY TOWNSHIP. MY BUSINESS. MY ECONOMY Qondisa Ishishini Lakho. Will it ever work for liquor traders?

The Gauteng Liquor Act dispute defining a shebeen as “any unlicensed operation whose primary business is liquor and selling less than ten cases of 12x750ml bottled beer” does not include shebeens in the kind of licenses contemplated by section 28 of the Liquor Act. The Act in section 14 allows for a phased-in approach in the transformation of shebeens into compliant liquor retailers.

Furthermore, the court was also of the view that because it found the regulation invalid, the legal implications of this finding would be that shebeen owners could face prosecution. Thus, the court suspended the order of invalidity allowing for the regulations to continue for two years to allow the department to remedy and give direction as to what was to be fixed or remedy two things - public participation and advising - which was the complaint from the application of Yeoville Tax Payers.

The people were not wrong to complain, they were sick and tired of what was happening in Yeoville with irresponsible trading by people who did not care about their community but just to make money. They knew that if there were two things missing in that 2013 Bill, which was public participation and advising irresponsible traders they were not going to get licences.

The Gauteng Liquor Board does not have the best interest of traders and communities at heart.

Because of the actions of four people the whole of Gauteng is put on hold. Meanwhile, they are busy escalating the number of traders by giving out

The fact of the matter is we know that when MEC Kholisile Nkosiphendule took a decision on converting the permits to shebeen licenses that are on hold now, he said permits will remain valid till the process of licensing is done. So, by law, shebeen permits holders will trade until the process is done.

When that will be we don’t know but all we know is that those permits were given to more than 15 000 traders and by now some of the businesses have grown to a point where owners have employed more than three workers, which means more than 45 000 people who are feeding more than 180 00 mouths will go hungry if the government does not do what they are asked to do.

The Gauteng Liquor Act dispute defining a shebeen as “any unlicensed operation whose primary business is liquor and selling less than ten cases of 12x750ml bottled beer” That is not what township economy revitalisation (TER) means. In a meeting at Umnotho in Eloff Street, the MEC mentioned that there is a township economy revitalisation act that has just been developed. We are looking forward to seeing it because we think it is going to help in taking care of the township economy. With all of this happening in the industry and the department, where do traders who do not belong to any registered association stand?

This is not a matter that can be won by an individual. What is it that one can do when you are told that your permit is not on the system or your permit is a twin operating somewhere?

When the department says they don’t have 2006 permits on the system, they only look at the date and signature. When greedy people can forge signatures, the fear is that too many innocent and hardworking people are going to be out of business and too many people are going to be out of their jobs. The truth shall be told.

Phumzile Ratladi, NTHA Secretary

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WHAT YOU NEED TO KNOW

UIF COMPLIANCE CERTIFICATE

PROCESS FOR APPLICATION FOR UIF COMPLIANCE CERTIFICATE OR TENDER LETTER SEND REQUEST Send your e-mail request to compliance@uif.gov.za

PLEASE NOTE THAT THIS SERVICE IS FREE

REQUEST RECEIVED You will receive an automated response

REPORT FRAUD! Report any suspected fraud hotline on 0800 601 148 or e-mail fraud@uif.gov.za

COMPLETE FORM e-mail it back to one of the above e-mail addresses together with the required documents.

TURNAROUND TIME is 10 working days.

FOR ENQUIRIES For further enquiries please call (012) 337 1445/46/47/48 or 1477, 1484/85

www.labour.gov.za

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COLUMNS: SALTA

THE LAST FORTRESS

www.spotongmag.co.za

D

oes it sound as if I am writing about a Wild West movie in which soldiers are defending a fortress?

In a way, the tavern/shebeen trade is under siege. Everywhere one looks there are bands of marauding, scalp-hunting bad guys. Writer after writer points to the red tape that keeps the trader pinned down. One of the MECs for economic development even once said all shebeens should close shop and people must go to church. So what happened to the freedom to trade?

The arrogant civil servant had the audacity to wish away a billion-rand industry. It dawned on me that we are dealing with the MEC for economic DESTRUCTION, not development. South Africa is a member of the BRICS countries, consisting of Brazil, Russia, India, China and South Africa. The first four countries promote small businesses because these stimulate economic growth by providing employment opportunities. Small businesses provide building blocks for the large corporations in these countries.

This is evident in how the Chinese do business. This method is also copied and modified by some foreigners conducting business in South Africa. Instead of

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opening big retail stores they encroach on the township trade by operating spaza shops. Where you and I would pack our bags and go after violent attacks in a foreign land, these traders stay put come hell or high water. The resilience that they demonstrate of bouncing back even after their shops are torched speaks volumes about the support that they are getting from some hidden source.

I can only speculate that only a government can pump in so much money for its citizens to go out there and “make us proud”.

Let us go back to the last fortress and the besieged garrison. The tuck shop has been overrun by the system and the taxi industry is being slowly but surely mauled from all sides. These used to be the township resident’s last hopes of making ends meet. Shebeeners, like Castle Lager, withstood the test of time. This trade has seen three national anthems. What am I saying here? That is right, three national anthems, God Save The Queen, Die Stem and Nkosi Sikelela I Afrika. We shall still be around to sing the fourth one, if the status quo prevails. This is no empty threat, “ons is gatvol.”

SALTA PEC member, Martin Kaydo Hlongwa

COLUMNS: GLF

GLF STANDS AGAINST XENOPHOBIA, CRIMINALITY AND SUBSTANCE ABUSE TOGETHER!

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enophobia in the form of fear of other African blacks and criminal elements caused extreme disorder in South Africa recently. There is fear and uncertainty for migrants in South Africa now. In cities like Johannesburg and Durban, many of the attacks were directed at foreignowned businesses. These businesses were wrecked and plundered. Although few locally owned businesses were affected, immigrants from neighbouring countries were mostly affected.

There were xenophobic attacks against the Somalian community in our townships. They suffered death, injury, looting and evictions.

The Somalian government requested that the South African government protect and guarantee the safety of Somalian citizens and their property.

Foreign nationals are accused of taking jobs and business away from South Africans. It is also evident that unemployment, poverty and inequality add to these xenophobic outlashings.

Current events in the liquor industry Heineken recently conducted a workshop in collaboration with the liquor board and Isizihdasempilo about foetal alcohol syndrome. This workshop took place at Dlamini Hall in Soweto. The GLF commends Heineken for this initiative and for educating us further on this topic.

Dr Oliver made a presentation about her organisation, the Foundation for Alcohol Related Research (FARR) which was established in 1997 and registered as a non-profit company.

Their mission is to establish awareness, prevention, intervention and training programmes designed to eliminate substance abuse with the focus on the foetal alcohol spectrum of disorders as a preventable disorder among the children in South Africa.

The workshop was attended by liquor outlet operators and tavern owners in and around Witwatersrand. We certainly learnt a lot and will continue to remain compliant and not serve alcohol to pregnant women.

Keep it up, Heineken!

Musa Ntshangase, GLF Secretary

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THE RISE OF

FAKE FOOD IN OUR TOWNSHIPS What it is, how it’s done and how to protect yourself and your customers

F

ake foods are flooding the South African market at an alarming rate and according to recent reports, it seems as if we have become a dumping ground for counterfeit products. It harms the economy with the country losing a large portion of its GDP every year and puts our lives at risk with the health implications that comes with consuming fake foods.

A press release issued by the Consumer Goods Council of South Africa (CGCSA) called for coordinated legislative national efforts to deal with fraudulent, counterfeit and expired food products and other manufactured goods being sold in South Africa.

Particularly worrying is the sale of counterfeit foods and beverages to unsuspecting consumers, which poses a serious health hazard, says Matlou Setati, the food safety initiative (FSI) executive at CGCSA.

“Recent reports of fake food products being sold in townships calls for co-ordinated efforts by all role players, from the government through to the environmental health practitioners inspectorate, law enforcement agencies, SARS and industry organisations such as the CGCSA and the National Consumer Commission to counter this problem. The CGCSA is already playing its role by raising awareness regarding the proliferation of unauthorised sellers and resellers of barcodes, which are used for product identification,” Setati says.

She says counterfeit goods and products in South Africa include food, medicines, electrical products, clothing, shoes, cigarettes and beverages. These products find their way into the country or are manufactured in counterfeit facilities around the country. Such products are usually cheaper, which makes them easier to sell.

What is a counterfeit product?

“To counterfeit means to imitate something authentic, with the intent to steal, destroy, or replace the original, for use in illegal transactions, or otherwise to deceive individuals into believing that the fake is of equal or greater value than the real thing. Counterfeit products are fakes or unauthorised replicas of the real product.

Counterfeit products are often produced with the intent to take advantage of the superior value of the imitated product.” – Wikipedia There are many different kinds of counterfeiting and not all pose a risk to consumers. Counterfeit foods that don’t pose a risk include what are called “diverted products”. These products are only licensed to be sold in one place or in one format but are sold elsewhere. These include multipack items sold individually, supermarket brands being sold outside the supermarket instead of directly off the shelf and free promotion goods.

How it’s done Counterfeit foods that pose a huge risk are the products made to replicate branded items.

They often use inferior ingredients and banned substances such as Sudan red dye colourant which is known to cause cancer and is prohibited for use in food products in South Africa. Tampered food – products that have been adulterated by adding materials to bulk them out and foods that have been tampered with to refresh them after their expiration dates – also pose a huge risk.

Counterfeiters are importing fake foods and producing them locally as well. The most common form of fake food is when the packaging of the

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Know what you are reading on a label: As per the Consumer Goods Council of South Africa (CGCSA) the meaning on the labels are as follows: • Date of manufacturing means the date on which the food becomes the product as described.

• Best Before or Best Before End means the date which signifies the end of the period under any stated storage conditions during which the product will remain fully marketable and will retain any specific qualities for which tacit or express claims have been made, However, beyond the date the food may still be perfectly satisfactory in some cases.

• Sell By or Display Until means the last date of offer for sale to the consumer after which there remains a reasonable storage period at home.

• Sell By Retail means to sell to a person buying other than for the purpose of resale, but does not include selling to a caterer for the purposes of his catering business, or to a manufacturer for the purposes of his manufacturing business.

• Use By (Best Consumed Before, Recommended Last Consumption Date, Expiry Date) means the date that signifies the end of the estimated period under the stated storage conditions, after which the product probably will not have the quality attributes normally expected by the consumers and after which date the food should not be regarded as marketable.

branded product is either scanned or copied and the ingredients inside the product are of inferior quality. Counterfeiters are also known to steal overruns of packaging and then use this packaging to package fake products or ingredients, leaving the consumer vulnerable when consuming the product.

In most cases, shop owners and consumers are completely unaware that the products are counterfeit and these products are easily distributed to informal traders and spaza shops across our townships, where there is very little control from manufacturers and brand owners.

How to spot a counterfeit food product Consider the packaging and price. If the packaging appears different to the original product, it is most likely counterfeit. If the price is too good to be true, then it probably is. Check for spelling errors on the packaging, unclear images, strange textures, tastes and smells as well as expiration dates. In South African law, all consumable products must display a “best before” date and if you do come across a product bearing an expired date or without any date, avoid buying the product and enquire with the store owner or directly with the brand, by making use of the consumer helpline, which is easily identifiable on legitimate products.

How you can protect yourself as a retailer: • Always insist on a receipt when purchasing stock. It is a legal requirement in South Africa to receive a receipt after the sale of products, goods and services.

• Buy from vendors and supermarkets who have a reputation for testing products and follow good labelling practices.

• Check for spelling errors in the description on the packaging and check the quality of images, especially if the ink appears to be lighter in colour, and do not purchase these products to resell.

• The name, contact details and address of the manufacturer must be visible on the packaging as well as recycling symbols and trademarks.

• Be mindful of any “too good to be true” prices for branded products and only deal with reputable brand representatives. Ask for proof of employment when representatives visit your store to offer specials on branded stock.

• Always look out for brand merchandisers who are visible in the stores where you purchase your stock. These merchandisers are employed by brands and their visibility means that you can be confident that these brands are authentic.

As a retailer, it is your duty to protect your customers by only selling authentic products and brands in your store. By purchasing fake food to resell, you are not only giving your customers a raw deal but you are effectively supporting a worldwide franchise of criminal activity. While the government and stakeholders take proactive steps to eliminate the threat of counterfeit food products, the retailer and consumer also need to exercise reasonable caution when purchasing food products.

Educate yourself and your customers on the dangers of purchasing and consuming fake food products as this will help reduce the demand for these illegal products.

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RESPONSIBLE DRINKING

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THE DANGERS OF

BINGE DRINKING

M

ention binge drinking and one’s thoughts usually turn to college students partying, but research shows that many adults also regularly drink enough alcohol in one sitting to be considered binging.

Various sources have different definitions for binge drinking. England’s National Health Service defines it as “drinking lots of alcohol in a short space of time or drinking to get drunk”.

Closer to home, the World Health Organisation ranks South Africa 59th highest of 195 countries for heavy episodic drinking among those who drink – this means at least 60 grams of more of pure alcohol on at least one occasion in the past 30 days.

According to evidence on binge drinking in the National Income Dynamics Study (2014 – 2015) published by The South African Medical Journal, one in three South Africans reported drinking alcohol, while one in seven reported binge drinking on an average day on which alcohol was consumed.

The study defined binge drinking as an individual who reported consumption of more than five standard drinks on an average drinking day.

Of drinkers, 43 % reported binge drinking (48.2% males, 32.4% females). The prevalence of selfreported binge drinking was highest among males and females aged 25 - 34 years. Dangerous alcohol consumption varies from occasional hazardous drinking to daily heavy drinking.

Harmful alcohol consumption is associated with health and safety problems including cardiovascular diseases, liver cirrhosis and various types of cancer; risky behaviour which could lead to the transmission of infectious diseases like cancer; and lead to road accidents and violence.

According to the World Health Organisation’s 2011 Global Status Report on Alcohol and Health, each year 320 000 people between the age of 15 and 29 die from alcohol-related causes, representing 9% of all deaths in that age group.

“For many young people, especially students, intoxication usually is the main goal of drinking,” says Pamela Nkuna, Smart Drinking & CSR Manager Africa at SAB. One’s body can only process one unit of alcohol per hour.

“With intoxication comes other dangers including lack of judgment about one’s personal safety, health concerns and even alcohol poisoning, which can be fatal.”

“It is important that people drink in moderation.

Pace yourself carefully – no more than one drink per hour. With the introduction of no- and lowalcohol beers – such as Castle Free and Hansa Golden Crisp – SAB is giving consumers more choice and smarter drinking options to pace oneself in between beers. Have something to eat. Drinking excessively, to get drunk, is very dangerous.”

As a general rule for responsible drinking, one should aim to consume no more than one unit of alcohol per

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hour, amounting to about 10ml of pure alcohol. The amount of units in your drink depends on its size and strength.

A draft glass of low strength beer is two units, while a bottle of lager is 1.7 units and a cider 1.5 units. “People who weigh less than 68kg should be aware that their bodies will take a longer time to process alcohol and should drink less and more slowly.”

As an example, a 350ml bottle of Castle Lager, which has an alcohol by volume (ABV) of 5% has 1.75 units of alcohol and therefore should be consumed over approximately two hours.

Remember, if you are going to drink, take a cab to and from your venue.

HOW TO CALCULATE UNITS OF ALCOHOL

If you or a loved one is looking for help, you can call:

In South Africa, the legal driving limit is a breath alcohol content of 0.24mg per 1 000ml, or a blood alcohol limit of 0.05g per 100ml.

Alcoholics Anonymous 0861 HELP AA (0861 4357 22) The South African Depression and Anxiety Group 0800 21 22 23

About Aware.org.za Up until 2017, AWARE.org.za was known as the Industry Association for Responsible Alcohol Use (ARA). The organisation is focused on creating a national culture of responsible drinking and a generation of South Africans free of alcohol abuse. All companies in South Africa who are in the alcohol industry must adhere to the AWARE.org.za code of marketing.

SAB is a founder member and major sponsor of the Industry Association for Alcohol Responsibility and Education (AWARE.org.za), which coordinates and directs activities designed to prevent and reduce the misuse of alcohol.

These activities include the development and monitoring of the industry’s advertising and promotions code of practice, which has been incorporated into the Advertising Standards Authority’s code of practice.

For more information about AWARE, go to www.AWARE.org.za

What does this mean to consumers? How is one unit of alcohol calculated?

The formula is: multiply the volume of the drink (in millimetres/mm) by its percentage alcohol by volume (ABV) and divide by 1000, to determine the number of units of alcohol in the drink.

For example: 350ml x 5% ABV divided by 1000 = 1.75 units of alcohol So to reiterate the Castle Lager example above, at 1.75 units of alcohol, consumers should drink one 350ml bottle every two hours to remain within the legal driving limit.

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BEVERAGE EDUCATION

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NOT ALL WATERS ARE

CREATED EQUAL Make an informed choice for yourself and your customers

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re you looking for a bottled water to use as a mixer with whiskey or brandy, or perhaps to revitalise and refresh your palate?

Now you can make an informed choice, thanks to the South African National Bottled Water Association (SANBWA), which has published a guide to the taste of its members’ products.

Created in collaboration with the South African Sommelier Association (SASA) and the South African Chefs Association (SACA), the SANBWA guide highlights that “not all waters are created equal”, although CEO Charlotte Metcalf is quick to point out this is only from an organoleptic point of view.

She stresses that all SANBWA members adhere to the same strict quality standards laid out in the SANBWA bottled water standard.

“Bottled water, referred to as ‘packaged’ water in South African legislation, is appreciated not only as a calorie-free, healthy alternative to other packaged non-alcoholic beverages but as a versatile companion to fine dishes, wine, coffee, brandies

SPARKLING

and whiskeys, and so on. Depending on the mineral composition of the bottled water, as well as the presence or absence of ‘bubbles’, it can highlight and even enhance taste nuances,” Metcalf says.

waters found in the country, are mostly neutral with respect to smells and flavours. By contrast, considerable differences were found when it came to mouthfeel,” she explains.

“Together with tasters from SASA and SACA, we set out to explore the organoleptic characteristics of bottled waters available in South Africa with a view to providing a guide – not a set of rules – about which waters could satisfy certain culinary requirements.

“This obviously means that water will have little to no impact on the beverages or meals it is consumed with when it comes to aroma, but a much larger impact on the flavour profile or mouthfeel. If you are consuming a strongly flavoured and hearty stew, the type of water you chose will probably not matter. But, if you are consuming a far more delicately spiced and textured dish, or adding a splash of water to an expensive whiskey, or creating a coffee from hard-to-source beans, then the type of water you use can most definitely influence your experience.”

“‘Bouquet’ is the word used by beverage tasters when referring to the ‘nose’ or ‘smell’ of a beverage, while palate refers to the ‘taste’ or ‘flavour’. The word ‘mouthfeel’ refers to how a beverage ‘feels’ in the mouth, mostly as a result of the interaction between ‘texture’ and ‘weight’, and can vary between still and carbonated versions of water from the same source.

“Our tasting panel confirmed that waters bottled from sources in South Africa, as well as imported

SPARKLING

The SANBWA panel tasted sparkling and still member and imported waters, as well as several from non-members, and categorised them as follows:

SPARKLING SOFT & GRACEFUL

SPIRITED & REFRESHING

IRREPRESSIBLE & REVITALISING

With a slightly higher mineral content and racy, effervescent bubbles that persist for a long time in the glass, these waters are spirited and refreshing.

Sometimes, this reviving characteristic is exacerbated by a slight salinity and bright acidity making them perfect for many occasions, solo or with food.

These are waters with high levels of carbonation which, in combination with an elevated mineral content, can create an irrepressible and flavoursome mouthful. They do refresh and stimulate and are most often drunk on their own or used as a ‘mixer’.

revitalising, refreshing, energetic, animated, vigorous, dynamic

enlivening, stimulating, animated, ebullient, vigorous, lusty, galvanising

These waters have very low levels of minerality (salt) and carbonation.

This means that the bubbles are delicate, and barely felt on the tongue and in the mouth. They could be described as being refined, or soft and graceful. This mellow nature makes them perfect meal companions because they clean the palate in a gentle way. The enhanced acidity from the carbonation is recognised as a classic palate cleanser.

low, faint, muted, shaded, mellow, graceful, fine, refined, elegant

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STILL WATERS

SPARKLING WATERS

Gentle, refined

Soft, graceful

Waters that are soft with low minerality (salt) content often present as gentle and refined when we drink them. They are often the most refreshing to drink on their own to quench a thirst, and are very good to use when making or mixing with another beverage – such as coffee in a coffee machine or when adding water to whiskey or brandy – because they do not impact the flavour profile of those beverages.

These waters have very low levels of minerality (salt) and carbonation. This means that the bubbles are delicate, and barely felt on the tongue and in the mouth. They could be described as being refined, or soft and graceful. This mellow nature makes them perfect meal companions because they clean the palate in a gentle way. The enhanced acidity from the carbonation is recognised as a classic palate cleanser.

AquaBella, aQuellé Franschhoek, Bon Aqua, Cape Aqua, Chamonix, Oryx Aqua

AquaBella, aQuellé, Valpré

Spirited, refreshing

Refreshing, satisfying These waters have a slightly higher mineral content, and therefore more mouthfeel than those categorised as gentle and refined. They may also, depending on the mineral composition, present as slightly more savoury than those waters. They are refreshing and satisfying, and ideal anytime beverages – solo to rehydrate and energise you, before or with a meal.

With a slightly higher mineral content and racy, effervescent bubbles that persist for a long time in the glass, these waters are spirited and refreshing.

Sometimes, this reviving characteristic is exacerbated by a slight salinity and bright acidity making them perfect for many occasions, solo or with food.

Cape Aqua, Chamonix, La Vie De Luc, San Pellegrino

Bené, Ceres Spring Water, Di Bella Spring Water, La Vie De Luc, Thirsti, Valpré

Irrepressible, revitalising

Full, smooth

These are waters with high levels of carbonation which, in combination with an elevated mineral content, can create an irrepressible and flavoursome mouthful. They do refresh and stimulate and are most often drunk on their own or used as a cocktail mixer.

Waters with a high mineral content have greater mouthfeel and viscosity, which some people describe as a slightly oily texture, and this makes them appear full and smooth. Depending on the level of minerality, they can also have a slight salinity and, in some cases, this gives them quite a unique flavour profile. While some people will enjoy them with food, their obvious individuality means that they are mostly consumed solo, and probably not as a mixer with another beverage.

Aqua Panna, aQuellé KwaZulu-Natal, Evian, Nestlé Pure Life

Bené, Ceres Spring Water, Nestlé Pure Life, Thirsti

STILL STILL

STILL REFRESHING & SATISFYING FULL & SMOOTH Waters with a high mineral content have greater mouthfeel and viscosity, which some people describe as a slightly oily texture, making them appear full and smooth.

Depending on minerality, they can also have a slight salinity and this gives them quite a unique flavour profile.

While some people will enjoy them with food, their obvious individuality means that they are mostly consumed solo, and probably not as a mixer.

special,strong, obvious,standout, individual,forthright, vivid, striking

These waters have a slightly higher mineral content, and therefore more mouthfeel than those categorised as gentle and refined.

They may also, depending on the mineral composition, present as slightly more savoury than those waters. They are refreshing and satisfying, and ideal ‘anytime’ beverages- solo to rehydrate and energise you, before or with a meal.

copious, prolific, abundant, generous, enlivening, uplifting, rich, energising, fortifying, reviving

GENTLE & REFINED Waters that are soft with low mineral (salt) content often present as gentle and refined when we drink them. They are often the most refreshing to drink on their own to quench a thirst and are very good to use when making or mixing with another beverage- such as coffee in a coffee machine or when adding water to whiskey or brandy- because they do not impact the flavour profile of those beverages.

light, pure, delicate, fine, unadulterated, refined

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SOCIAL RESPONSIBILITY

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HEINEKEN SOUTH AFRICA INVESTS IN THE NEXT GENERATION OF

INDUSTRY TALENT

In 2018, several existing HEINEKEN employees were selected for the programme, along with learners enrolled at the Vaal University of Technology, and other candidates sourced from the local community of Pilie’s farm. As part of ensuring transformation in what is understood to be a maledominated industry, several women have been selected for the learnership.

“It is important that the programme reflects the diverse capabilities of local community members as well as women in beer’s contribution in the industry,” says Thandie Letshabo, manager: Supply Chain Academy, HEINEKEN South Africa.

Jesline Tsoku

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EINEKEN South Africa is continuing to train and upskill a second cohort of packaging learners through its valuable Sedibeng Packaging Learnership Programme. Through this SETA-accredited learnership, the students attain an NQF Level 3 qualification upon graduation from the programme.

In 2018, 28 graduates received the qualification, and of those who were previously unemployed, nine graduates received placements at HEINEKEN. This year, a further 20 candidates enrolled for the learnership.

The 2019 learners have followed in the footsteps of the previous graduates, and have been taken through a series of assessments to gauge their capabilities and technical aptitude, before the final selection was made.

“Through the Packaging Learnership, these learners will obtain the skills that will make them employable across various brewery roles after their successful completion of the training,” says Letshabo.

Letshabo adds that one of the key benefits of an internal learnership programme is that – from the outset – the learners get acquainted with our internal systems and processes – essentially learning and living “the HEINEKEN way of doing things”.

“It is important that the programme reflects the diverse capabilities of local community members as well as women in beer’s contribution in the industry”.

Letshabo concludes, “Exposing the learners to both theoretical and practical on-the-job training early on translates to agile future employees who are skilled, and prepared for most challenges in their chosen career paths.”

Creating capable employees HEINEKEN South Africa’s Supply Chain Academy is fully accredited with FoodBev SETA as a training and assessment provider. The main aim of the academy is to build an organisation with fully capable employees to perform their current jobs and empower them with future skills that can allow them to grow in the business. We develop staff whose skills are relevant to the South African working environment.

Other Programmes Offered by HEINEKEN SA SUPPLY CHAIN ACADEMY: • In-service Trainees • Operator Development Programme • Brewing Diploma IBD • Generic Management • Business Administration • Certified Supply Chain Professional • Certified in Production and Inventory Management • Basic Supply Chain Management

About HEINEKEN South Africa: HEINEKEN South Africa is a key player in the beer and cider industry in the country, with an impressive portfolio of brands, including Heineken®, Desperados, Sol, Windhoek, Miller Genuine Draft, Amstel, Strongbow, Soweto Gold, and Tafel. HEINEKEN South Africa is a joint-venture between HEINEKEN N.V. and Namibia Breweries.

~ Thandie Letshabo, manager: Supply Chain Academy, HEINEKEN South Africa This programme was launched with the aim of strengthening the skillset of the company’s talent, while also helping to reduce unemployment within the region.

The beer and cider packaging take place at HEINEKEN’s state-of-the-art brewery in Sedibeng, Midvaal, where the company brews a large portfolio of premium and mainstream brands, including Heineken®, Windhoek, Miller Genuine Draft, Amstel and Strongbow cider.

Thabile Sebiloane

Visit www.heinekensouthafrica.co.za

Matube Selepe

Issue 31

SOCIAL RESPONSIBILITY

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RETAIL NEWS

SOUTH AFRICANS STICK TO ICONIC BRANDS DESPITE COMPLEX CONSUMER LANDSCAPE

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he way that consumers interact and engage with brands is fundamentally different from five years ago.

The relationship between consumers and brands has never been more complex.

We have never had more information available, yet we see a decline in both customer experience and brand commitment. Consumers are overwhelmed and are becoming extremists, self-orientated, demanding and tech-savvy.

Consumers now traverse the physical and digital worlds in a fluid way. They are used to switching between dual realities, and there is an increased tendency to switch between brands. Consumers are extending their brand repertoires and there is less solus usage (where consumers use only one brand within a product category). There are, however, certain brands that South Africans across the board continue to love and stick to.

The Ask Afrika Icon Brands is the largest annual benchmark survey of its kind. Now in its 10th year, it measures loyalty across 237 brand categories and thousands of brands. Despite the challenging consumer landscape, 50 brands achieved Icon Brand status in the 2019/20 Ask Afrika Icon Brands, with 12 new brands entering the prestigious ranking.

The 2019/20 Ask Afrika Icon Brands winners were recently announced. Kiwi shoe polish secured first place, followed by Sunlight dishwashing liquid, Coca-Cola, Defy stoves, Defy ovens, Dettol liquid antiseptic, Koo tinned beans, Lucky Star tinned fish, Defy hobs and Mageu No. 1. Most of these brands have consistently managed to remain in South African consumers’ repertoire of usage. Defy is a newcomer in the top rankings this year.

Ask Afrika’s Icon Brands is about local relevance and brands that almost all South Africans always or mostly use. Icon Brands always form part of the repertoire of brands consumers buy from. The survey looks at current consumer behaviour and usage, and this is what differentiates it from other brand surveys.

The Icon Brands survey is the holy grail for brand owners as it measures brands that consumers buy and use on a regular basis. This is the most difficult to achieve, compared to brand footprint, affinity, or brands that consumers claim to love.

www.spotongmag.co.za

RETAIL NEWS

Issue 31

SHOPRITE PLANS SMALLER STORES AND MORE SHOPS IN CONTAINERS

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n Shoprite’s latest results presentation, it detailed exciting strategies, which included the news that the group is planning more smaller stores, closer to its customers, and more shops in containers.

SOWETO GETS FIBRE TO THE HOME

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n May, Telkom marked the 50th anniversary of the United Nations World Telecommunications and Information Society Day at Orlando West Secondary School to celebrate Soweto’s latest accolade as the first South African township to receive fibre to the home. Service providers are now beginning to supply fibre links to the area.

“The Shoprite Group is considering smaller, more capital-efficient store formats across all its supermarket brands,” the group announced. While the traditional Shoprite stores are between 2 500m² and 5 000m², the Shoprite Mini stores are around 1 250m² to 1 800m².

According to Telkom Group chief executive Sipho Maseko, Telkom has invested in fibre to the home in Soweto because Telkom believes that access to broadband has become a necessity for human and economic development.

These smaller Shoprite supermarkets as well as the Usave eKasi stores, which are in containers, have already “established viability and continue to scale”.

Addressing students of Orlando West High School, Maseko said the availability of the fibre will help Sowetans bridge the digital divide by bringing the world to people’s doorsteps.

“These small-format stores offer a limited range of basic foods at everyday low prices to lower-income consumers and are often located in previously underserved communities in South Africa.”

Residents and businesses in Diepkloof and Orlando West will now receive faster connectivity and a better network experience. The availability of fibre in Soweto supports the township economy revitalisation strategy. Business can now get up to 1Gpbs of fibre enabling faster and reliable connectivity for their business.

Shoprite also launched the first of its k’nect stores. The stores focus on money transfers, travel and event tickets, insurance and mobile devices and accessories. The stores also have express tills for accounts and bill payments, airtime and cellphone data, as well as buying electricity and Lotto tickets.

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Approximately 60% of the people working on the Telkom fibre rollout are Soweto residents, which adds to job creation in the vibrant township.

LOBOLA NEGOTIATIONS AGREEMENT FOR MARRIAGE AVAILABLE AT SHOPRITE FOR R99

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he Lobola Negotiations Agreement for Marriage is a pre-packaged agreement created by entrepreneur Jabulani Mahlangu in partnership with Hortors Stationery, the supplier and manufacturer of legal publications, forms, books and notices including lease agreements.

The product was officially rolled out at Shoprite stores for R99. Mahlangu said he was inspired after having served as a recorder in lobola negotiations and observing that the traditional method of writing multiple drafts before a final draft was approved by both families was time-consuming and inefficient.

In the document, there are spaces to fill the full names and ID numbers of the bride and groom and those representing each side, their contact numbers, address and signatures.

LIQUOR E H T R O F S W E N

TRADE

O NOT T IF H S E ID W D WORL S R E E B L O H O C L A AND LOW-

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ED AT SOUTH IS N G O C E R S R E E AB INBEV B TROPHY R E E B L A N medal was IO T A A special gold AFRICAN N beer industry. house for

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MEET THE SAB LERUMO CLASS OF 2019

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AB proudly welcomes four women who have enrolled for the 2019 SAB Lerumo programme.

This national enterprise and development programme is geared towards strengthening and supporting female representation in the beverage industry.

SAB Lerumo, powered by SAB KickStart, SAB’s flagship entrepreneurship programme, specifically targets black women running small-to-medium enterprises in the beverage manufacturing industry with the intention of helping them to thrive and prosper in commercial markets.

Now in its third year, SAB Lerumo has shifted its focus to supporting the beverage manufacturing industry. To qualify for the programme, the participants must run beverage manufacturing businesses, which are either alcoholic or non-alcoholic, are at least 51% womanowned, have been operational for at least a year, qualify as exempt micro enterprises (EME) or qualifying small enterprises (QSE) in the BBBEE codes and currently generate revenue with a potential to scale.

The top entrepreneurs for SAB Lerumo 2019 are Apiwe Nxusani-Mawela of Brewsters Craft, Gladys Mawoneke of Breva Beverages, Mmule Setati of Frutal Juice, and Mosibudi Makgato of RM Catering Services trading as YaMama Gemmer.

based asset investment, industry panel discussions and bespoke consultations with SAB’s own industry experts.

“We are beyond excited and look forward to working with the selected business leaders,” Chifunyise said. “With the support of SAB’s 124 years of experience in the beverage industry, we are confident that together we can help grow their businesses to even greater heights.”

About the SAB Lerumo entrepreneurs: • Apiwe Nxusani-Mawela launched Brewsters Craft, a brewing company that manufactures beers and ciders, in 2015. The business offers a variety of services such as contract manufacturing and has now launched African’s first black women brewery in July 2019.

Brewsters Craft is a 90% black womenowned business and currently employs five people with plans to expand to 12 by early 2020. It is currently located in Gauteng and receives client enquiries from Cape Town, Zimbabwe, Mozambique and Botswana.

• Gladys Mawoneke established Breva Beverages in 2014, which manufactures

SAB Lerumo draws on a rich history of development excellence. Leveraging off industry thought leadership, diverse networks of business coaches, and experienced industry partnerships culminates in years of expertise that serves to enrich the entrepreneurship journey at SAB. Phumzile Chifunyise, the enterprise development manager at SAB and AB InBev Africa, said that SAB’s entrepreneurship development programmes applied “a holistic approach to development by offering bespoke interventions relevant to the SMME size and sector”.

The five-month programme consists of targeted business mentorship, market access linkages, need-

The SAB Lerumo class of 2019 at the launch event: Mosibudi Makgato of RM Catering Services trading as YaMama Gemmer; Gladys Mawoneke of BREVA Beverages; Apiwe Nxusani-Mawela of Brewsters Craft; and Mmule Setati of Frutal Juice

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and markets alcohol-free beverages to adults. The business has two ranges of products – Breva, a non-alcoholic lager and Paradise, an alcohol-free gin. It is a 100% black women-owned business that employs six people. Operating from Gauteng, Breva products can be found in all Pick n Pay stores nationwide as well as in Kinshasa, Democratic Republic of Congo.

• Mmule Setati bought Frutal Juice, a business that manufactures fresh fruit juices in 2018. It is a 100% black women-owned business that employs 18 people. Frutal Juice can be found in three provinces - Gauteng, Limpopo and Mpumalanga. Products can be found in Pick n Pay and Spar stores as well as in Fry’s Metals, a lead recycling operation in Germiston.

• Mosibudi Makgato launched RM Catering Services, which trades as YaMama Gemmer, in 2015 with her sister, Rosemary Padi. YaMama Gemmer is a homemade, traditional ginger beer that is non-alcoholic and contains no artificial preservatives or additives.

YaMama Gemmer is a 100% black women-owned business that employs six people. Currently, products can be found in three provinces - Gauteng, Free State and the North West – with plans to expand to the Eastern Cape and Polokwane soon.

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NEW RETAIL PRODUCTS

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NEW ON THE SHELF POWER YOUR COOL THIS SUMMER WITH HALLS FRUITY FLAVOURS Keep cool this summer with Mzansi’s coolest candy brand. Halls is stepping up to make your days a breeze with its range of fruity flavours to keep you extra cool and refreshed all through the season.

Halls is the perfect candy to keep you refreshed this summer with its cooling sensation and fruit flavours. Halls is available nationwide in Cherry, Strawberry and Fruit Explosion.

POWER UP WITH FOUR NEW FLAVOURS OF REBOOST Established in August 2018 following the merger of Little Green Beverages and SoftBev, The Beverage Company proudly produces many of South Africa’s most loved local hero and global champion soft drinks.

Reboost Energy is an innovative blend of pure energy and power, packed with B vitamins and enhanced with a powerful mix of guarana, taurine and caffeine, which makes for a shattering taste experience! The brand has undergone an exciting transition and will be relaunched under the new brand message – Power Up. Four new flavour variants join the original Reboost Energy: Blueberry, Citrus Blast, Sugar-free Tropical Crush and Caffeine Free Fantasy Fusion.

“Reboost is a well loved and trusted energy drink brand, with a proudly South African heritage. The Reboost brand is one of high quality and integrity, a brand which up until now has grown from strength to

strength with only one great-tasting variant.

We have taken our time to launch new flavours into the market, ensuring they are not just any flavours but flavours which will bring a Powered Up taste sensation and Boost to our consumers. It’s with immense pride and excitement that we are now introducing the four new Reboost flavours to the market and are confident our consumers will be as delighted at the end result as we are. Drink up and enjoy, South Africa!” said national brand manager Justine Lee.

Halls has decided to switch things up this summer with the release of the limited-edition Summer Cool stick packs filled with diverse bursts of flavour to take your cool to the next level. Only a few consumers will be lucky enough to get their hands on the limited edition. Look out for giveaways on social media.

“We want consumers to power their cool this summer and to enjoy Halls when, where and how they want to,” says Zainab Mohamed, category brand manager for Candy at Mondelez. “And with our assorted range of fruity flavours we know this is the perfect summer candy that anyone can enjoy.”

Bring your summer to life and follow Halls @ HallsSA on Facebook and Twitter or HallsSA on Instagram.

The four new flavours were launched in September 2019, with an exciting on-pack promotion where Reboost is giving away an AUDI A3 Sedan and R100k in airtime and data.

The new Reboost range from The Beverage Company will be available in retailers and wholesalers nationwide.

For more information visit: www.thebeveragecompany.co.za

FRESH ON THE SHELF FROM CHECKERS Add texture and flavour with croutons Explore the new range of ready-to-eat croutons, lightly baked and perfectly seasoned.

Available in four flavours: biltong, pretzel, cheese & onion and garlic & seed wholewheat.

For a glorious taste experience, serve with salads and soup or enjoy as a snack.

Serve up a spread Create yummy sandwiches with these new thick and deliciously smooth nut spreads. Made from nature’s most nutritious ingredients and available in almond, cashew and pistachio. Sandwiches will never be the same again.

For more information visit: www.checkers.co.za

NEW RETAIL PRODUCTS

Issue 31

NEW OFFERINGS FROM DR CHOCOLATE Dr Chocolate Original 60g Inject more happiness into your life with 60g of super delicious hazelnut chocolate spread.

Packaged in an eye-catching syringe, Doctor Chocolate makes anyone young at heart more joyful. Anytime. Anywhere. A unique, fun and fast-moving impulse product for kids and grownups alike.

Dr Chocolate Chess 210g Play chess like never before with this fun and unique chocolate game. Eat your opponent’s chess pieces whenever you capture one. Each chess piece is a chocolate delight and every bite a winner. A truly unique yet affordable gift for young and old for chess pros and beginners alike.

For more information visit: www.doctorchocolate.com

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TWO NEW TWIZZA FLAVOURS ARE BURSTING WITH SOUTH AFRICAN PRIDE Twizza, a truly authentic South African soft-drinks brand, has launched two delicious, local limited-edition flavours: Baobab and Ginger Cola.

The Proudly South African brand is leading local innovation in the carbonated soft drinks category with the introduction of the two new variants. Baobab is African through-and-through as its fruit has a strong African heritage and the tree itself is instantly associated with recognisable African landscapes.

Thanks to its strong African roots, the flavour was a natural addition to the Twizza range, as was Ginger Cola which combines the popularity of ginger with cola, an all-time favourite. Both variants are available in 500ml and two litre bottles and are available at leading retailers nationwide.

For more information visit: www.twizza.co.za

INTRODUCING COCA-COLA ENERGY Coca-Cola in South Africa has announced that it is expanding its portfolio with the launch of an all new energy drink, called Coca-Cola® Energy.

South Africa is at the helm of the innovation, being the first country on the continent to introduce this exciting new offering to market.

ALL OF THE SCRUB NONE OF THE SCRATCH! It’s easy to feel like you’re fighting a losing battle when it comes to cleaning your house. This only increases during the busy festive season with additional cooking, baking and entertaining!

Luckily Chux has a solution to make the big chores smaller. The Chux Non-Scratch Scourer Scrub is an effective cleaning aid. This nifty little scrubber has a long list of uses, there is no need to be gentle - just get in there and scrub! So, scrub with abandon with the peace of mind that no scratches will be left on your precious pots, pans, sanitaryware or anything else!

For more information visit: www.chux.co.za

With a great Coca-Cola® taste and feeling that people already know and love, Coca-Cola® Energy features caffeine, guarana extracts, B vitamins and no taurine. Coca-Cola® Energy will be available in 300ml packs in all major retailers at a recommended selling price of R14.99 “Coca-Cola Energy includes ingredients from naturally-derived sources and a delicious and refreshing taste of Coca-Cola,” says Stephan Czypionka, Marketing Director for Coca-Cola Southern & East Africa. “We kept these two qualities at the heart of how we developed the recipe and are proud to offer it under the Coca-Cola® brand, inviting people to try a new and different energy drink that is designed to complement upbeat and busy lives.”

Primarily designed as a drink for young adults (18-35), it will be promoted in line with The Coca-Cola Company’s responsible marketing guidelines with regards to energy drinks. This includes no marketing to those 18 years or under, no sampling in proximity to primary and secondary schools and never promoting mixing with alcohol.

Coca-Cola® Energy was developed by listening to adult consumers who told us they wanted an energy drink that tastes more like Coca-Cola® than like traditional energy drinks. As the company evolves towards becoming a total beverage business, The Coca-Cola Company will increasingly evolve its product portfolio worldwide, to bring consumers greater choice of the drinks they want, including those with added benefits, like Coca-Cola® Energy.

For more information visit: www.coke.co.za

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RETAIL INVENTORY

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ESSENTIAL

RETAIL STOCK SO MUCH MORE WITH ELLIS BROWN As a South African favourite, Ellis Brown promises to deliver a rich, smooth and creamy flavour, not only in a cup of tea or coffee but also in your favourite recipe. Whether you are cooking or baking, Ellis Brown offers versatility and affordability.

Use as the perfect complement to your tea or coffee, creamed spinach and fluffy scones! Make sure Ellis Brown is in your shopping basket this festive season. www.avi.co.za

KOO GRATED AND SPICED BEETROOT Vivid and spicy, KOO Grated & Spiced Beetroot will make all the difference to your next salad or soup. A quick and easy ready-made salad for any braai or get together.

KOO Grated and Spiced Beetroot also adds a splash of colour to your baking and savoury dips. www.koo.co.za

KOO FRUIT COCKTAIL IN SYRUP KOO Fruit Cocktail in Syrup is a mix of cubed peaches, pears, grapes, pineapple and whole cherries. It is ideal for punch, trifles and puddings.

Use it to add colour and flavour to any dish or pair it with ice-cream or yogurt. www.koo.co.za

BAKERS CHOICE ASSORTED® “Everything is better with chocolate” BREAKING NEWS: Bakers Choice Assorted® range, now includes Romany Creams® Classic!

Bakers® have become part of every generation’s childhood memories with their melt in your mouth goodness. If you think back to your favourite Christmas memories, three ingredients are always there; family, great food, and Bakers Choice Assorted®!

Bakers® brings you an assortment of tasty treats to compliment the festive season.

These delicious biscuits are made with the finest quality ingredients and a touch of Bakers® magic! Now the Bakers Man has something more for you to adore!

Bakers® is introducing more chocolate variety to its Choice Assorted® range this season with the addition of Romany Creams® Classic to the 1kg and 2kg box. Make sure Bakers Choice Assorted® Biscuits are on your shopping list this season, to take tea-time to a whole new level! All your favourite favourites, Best Baked by Bakers! www.avi.co.za

EXCELLA SUNFLOWER OIL Excella sunflower oil is produced from premium sunflower seeds. The oil is naturally high in Vitamin E (antioxidant), poly-unsaturated fats and oils and low in saturated fats. It’s the perfect choice for preparing the perfect meal for your family. It is ideal for use not only in frying and roasting but as an ingredient in baking, sauces, marinades and salad dressing.

Due to stringent manufacturing processes, Excella sunflower oil is superior in quality and freshness and by adhering to the storage and oil care hints and tips, the lifespan of this oil can be extended and enhanced. Tasteless and odourless when fresh.

When added to other ingredients it doesn’t impact flavour or aroma in anyway. Endorsed by the South African Heart and Stroke foundation and Halaal and Kosher certified. www.myexcella.co.za

EXCELLA MAYONNAISE AND WONDER WHIRL SALAD CREAM Excella Mayonnaise and Wonder Whirl Salad Cream make up the outstanding range of mayonnaise variants. They are all made from superior quality Excella vegetable oil and match the stringent manufacturing standards that Wilmar SA is proud of.

Excella Mayonnaise and Wonder Whirl Salad Cream’s versatility in richness, creaminess and unique flavours makes all dishes a delight to serve.

Excella Mayonnaise Tangy is very versatile and can be used in sauces and many dishes. Thick and creamy and contains only

sunflower oil endorsed by the Heart and Stroke foundation.

Wonder Whirl Salad Cream can be used for hot application and the egg and oil do not separate when heated. Perfect for warm chicken burgers, chicken mayo and toasted sandwiches.

A healthy option with less oil content than mayonnaise and less calories. Not tangy and perfect as a burger whip. www.myexcella.co.za

Issue 31

NEW RETAIL PRODUCTS

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CATERING

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OUR TOP KITCHEN WISHLIST ITEM FOR THE

HOLIDAY SEASON The healthy way to create delicious dishes every day

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njoy all of your favourite foods without sacrificing taste with the latest addition to De’Longhi’s kitchen appliance range: the Multifry. De’Longhi has created a truly innovative and versatile appliance, combining the features of an air fryer with that of a multi-cooker.

It’s a way to keep all dieting tendencies in line, and to cook in a healthier way, thanks to its low oil frying abilities.

The Multifry cooks your food from above and below using its surround heating system. The system comprises of an upper and lower heating element, along with a fan, to ensure the best heat distribution possible, giving you delicious and evenly cooked meals, always. In addition to this, the Multifry is fitted with a mixing paddle, meaning that you are able to cook chips, stews, curries, and even a risotto – all without having to mix the food continuously yourself.

De’Longhi thought it all through by making the mixing paddle removable, which allows you to cook a mean steak, a perfect salmon fillet or even a pizza or cake – all directly in the light-weight, ceramic, non-stick pan.

with just one tablespoon of oil, or cook 1.5kg of frozen chips with no oil at all. The lid is transparent, which makes it easy for you to see the food without having to open the lid, in turn letting out all of the heat within the machine.

The Multifry Chef Extra is equipped with four preset food programs, which makes it possible to cook potatoes, pizza, cake or curry, all with the touch of a single button. Along with these food pre-sets, there are three cooking function programs which include oven, aero-grill and pan. There are four heat level settings and a timer, for you to cook your own recipes too.

This appliance lends itself to easy cleaning as all of its removable parts are dishwasher safe, and the rest of the machine can simply be wiped down with a cloth.

You can even download the app from the iOS and Google Play app stores – just in case you’re in need of some inspiration and dinner ideas. Over 300 recipes have been created, all with a clear guide to using the Multifry to attain the best possible results from these recipes.

Unlike traditional air fryers, the Multifry is equipped with a large capacity pan, meaning that you can prepare meals for up to eight people. Cook up to 1.7kg of fresh potatoes

Besides the convenience of preparing healthy and delicious meals and the endless options of what you are able to prepare, De’Longhi Multifry will make a sophisticated addition to anyone’s kitchen, and will become your go-to appliance, every day!

For more information visit: multifry.delonghi.com or communications.za@delonghigroup.com

Issue 31

NEW RETAIL PRODUCTS

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NEW LIQUOR PRODUCTS

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BRAND NEW BEVERAGES UNCORKING THE KRONE KAAIMANSGAT BLANC DE BLANCS 2016 Krone, home to vintage-only, handcrafted Méthode Cap Classique, on the historic Twee Jonge Gezellen estate in Tulbagh, has released South Africa’s first terroir-specific MCC: the Krone Kaaimansgat Blanc de Blancs 2016. Sculpted by the vintage and harnessing the intrinsic energy of the iconic Kaaimansgat (Crocodile’s Lair) Chardonnay vineyard near Villiersdorp, this singlevineyard terroir-specific vintage cuvée is rooted in time and place.

The 2016 Krone Kaaimansgat Blanc de Blancs expresses the distinct character of the 2016 vintage and the extraordinary 34-year-old high-altitude Kaaimansgat Chardonnay vineyard, located 700m above sea level deep inside a blind valley in the cool climate Elandskloof ward in the Overberg.

For more information visit: www.kronemcc.com

JOZI GIN Jozi Gin, the perfect-for-everyone gin! Jozi, named after the city of gold, is a light, smooth gin blend with slight citric undertones made purely from locally sourced juniper beans. Currently distilled in Cape Town, it’s owned and trademarked to The LoCrate Brothers, a company founded by two young black Soweto-born entrepreneurs. Jozi is an easily accessible gin targeting everyone who enjoys gin, from the aspiring youth who relate to the price point to the upper gin drinker who’ll enjoy it for its smooth taste. It’s best enjoyed with tonic, some lime and rosemary. Other ways to enjoy it depending on your taste profile would be neat with ice, with orange juice or with lemonade. The recommended retail price is R150, making it accessible to everyone. By no means is Jozi a craft gin, it’s an easily accessible gin of the highest quality.

For more information visit: www.jozigin.com

ANGELS TEARS RED 2018 The latest release in this range of easy drinking wines, medium-bodied Angels Tears Red 2018 is blessed with alluring red berry flavours. This fruity red is a blend of predominantly Merlot and Cabernet Sauvignon with splashes of Petit Verdot and Shiraz for good measure, all harvested from Grande Provence vineyards in Franschhoek.

“Our Angels Tears Red goes down perfectly with meat off the braai, or just enjoy it in good company – it’s always a crowd-pleaser,” says winemaker Thys Smit.

The Angels Tears Red 2018 is available at Makro, Pick n Pay and Spar among others and sells from the Grande Provence cellar door at R69 per bottle.

For added convenience, the wine can be purchased online from www.shop.grandeprovence.co.za. Be sure to join the Grande Provence Wine Club for special deals and free delivery.

VIBRANT TOKARA SAUVIGNON BLANC IS SUMMER IN YOUR GLASS Summer time calls for a crisp and refreshing Sauvignon Blanc and TOKARA’s new 2019 vintage is sure to hit the spot.

The just released TOKARA Sauvignon Blanc 2019 is a blend of fruit from prime TOKARA vineyards in Stellenbosch and Elgin representing an intriguing spectrum of the Sauvignon Blanc flavour profile.

This is the perfect Sauvignon Blanc for a hot summer’s day on its own or with grilled chicken, fish and fresh oysters.

TOKARA Sauvignon Blanc 2019 is available at leading wine outlets countrywide.

TOKARA Sauvignon Blanc 2019 is available at leading wine outlets countrywide. For more information visit www.tokara.com

NEW LIQUOR PRODUCTS

Issue 31

MADALA’S GOLD This double-award winning beer is a connoisseur’s experience of the Belgium triple hop speciality. The nose of this beer has distinct smells of bubblegum, banana and candy floss and is created by blending hops to attain a complex subtle flavour. This golden strong/blond is brewed for those beer lovers who want a bit extra.

Mountain Brewing Company is a multiple awardwinning brewery, family-owned and independent.

Based in the Klipbokkop Mountain Reserve in the Western Cape, their inspiration comes from their beautiful mountainous and fynbos surroundings.

Mountain Brewing Company believes in using the highest quality ingredients for their outstanding beer, and they have been awarded 11 national medals for their beers.

For more information visit: www.mountainbrewing.co

JAMESON CASKMATES IPA EDITION NOW IN SA Irish Distillers, producer of the world’s most well-known and successful Irish whiskeys, has unveiled Jameson Caskmates IPA Edition in South Africa , a new extension to the innovative Caskmates range of whiskeys finished in beer-seasoned barrels.

Jameson Caskmates IPA Edition is the next chapter of a story that began in 2013 when Brian Nation, Master Distiller in Midleton Distillery, and Dave Quinn, Master of Whiskey Science, met Franciscan Well Founder and Head Brewer, Shane Long, in a local Cork bar. The Midleton masters agreed to loan some Jameson casks to the brewery to discover their influence on Irish stout and when the stout-seasoned barrels were returned to Midleton Distillery, Dave Quinn re-filled them with Jameson Irish whiskey – a finishing process that created Jameson Caskmates Stout Edition.

Having previously hit it off with stout, the Midleton team were curious to try a new beer buddy, and after much exploration discovered that a zesty Irish Pale Ale from Eight Degrees Brewing was the perfect partner for Jameson’s smooth character. With the creation of Jameson Caskmates IPA Edition the Midleton Masters have developed the ideal whiskey to enjoy on the rocks, with tonic or alongside your favourite local craft IPA to further reveal the notes of hops and citrus brought by the IPA finish.

For more information visit: www.jamesonwhiskey.com

UMOJA ADDS INNOVATION TO SA’S UMQOMBOTHI HERITAGE Umoja Beer Powder looks set to give beer brewers more options as they face the time pressures of modern life.

‘Umqombothi plays a huge role in African spiritual life,’ says Maanda Mphaphuli, Sales Executive at Sorgho, the company behind Umoja Beer Powder and Umoja Sorghum Malt. ‘The preparation of the beer is as important culturally as the drinking of it. Because our company supplies some of the key ingredients, we’ve been at the heart of this uniquely South African experience for over twenty-six years. It’s been a great journey.’

Sorgho has manufactured and supplied high quality sorghum malt to the local food and beverages industry since 1993. One of only two industrial maltings companies in the country, Sorgho recently brought innovation to the age-old tradition of African beer brewing with its launch of Umoja Beer Powder, a product which dramatically reduces the time it takes to produce umqombothi.

‘Our lives are always changing,’ says Mphaphuli.

‘Obviously in an ideal, traditional world families love to go through the full umqombothi process, and to enjoy it over several days. Umoja Sorghum Malt has always been at the heart of this, and still will be. But the reality for many people who live in cities and have demanding lives and careers is that they are only able to gather over short time periods, like weekends. Time is especially precious when family members live in different parts of the country and must travel long distances. In these situations, Umoja Beer Powder allows the brewing process to happen in 24 hours, which can be a real blessing.’

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LIQUOR INVENTORY

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A TOAST TO THE

FESTIVE SEASON NICOLAS FEUILLATTE PALMES D’OR BRUT VINTAGE 2006

BOLLINGER SPECIAL CUVÉE

The Nicolas Feuillatte Palmes d’Or Brut Vintage 2006 is a powerful and distinguished Champagne from an excellent vintage. Exquisite body on the palate reveals maturity while a seam of freshness supports the wine’s aromatic qualities. Lovely graceful gossamer bubbles swirl in the glass forming a perfectly balanced string of pearls. A seductive wave of honey, dried and tropical fruit aromas introduce the bouquet, with roasted notes adding a pleasing touch. Mature, intense, creamy and generous, this Champagne reveals intricate citrus flavours and honey with lifted notes of almond paste and marzipan. Long and lingering, showing beautiful balance, it has attractive freshness on the finish.

Packaged in its distinctive black dimpled bottle and a stylish black gift box, it is available at fine wine retailers at approximately R2 100 (750ml bottle).

The Bollinger Special Cuvée displays a crystalline pale straw colour of great vibrance, very fine bubbles and a beautiful aromatic complexity: roasted apples and ripe peaches with gentle citrus nuances. Full and expansive on the palate, this is an intense, very elegant and refined creamy cuvée with pear and brioche flavours and notes of fresh walnuts with a long, refreshing finish.

Bollinger Special Cuvée, packaged in an elegant gift box, is available nationally for approximately R960.

NICOLAS FEUILLATTE GRAPHIC ICE BLANC AND GRAPHIC ICE ROSÉ BOLLINGER ROSÉ The Bollinger Rosé entices with a beautiful salmon pink colour, a velvet mousse and fresh, pure redcurrant, cherry and strawberry aromas. The palate is rich and refined, perfectly combining power with freshness, with a silky texture and juicy wild berry flavours, a touch of creaminess and a lasting fresh berry finish.

Bollinger Rosé, packaged in a gorgeous gift box, is available nationally for approximately R1 200.

For more information visit: www.champagne-bollinger.com

Graphic Ice Blanc is a beautiful pale gold colour with a persistent ribbon of delicate bubbles. Fresh, floral and peachy on the nose with a touch of roasted nuts, notes of honey and round and creamy with hints of yellow stone fruits and citrus, with a lively mousse imparting freshness to a lingering finish.

Graphic Ice Rosé is a delicate coral pink colour with a fine persistent mousse. Tempting aromas of black cherry and summer berries and round and creamy with flavours of cherry, raspberry and strawberry, a velvety mousse and a smooth pleasing finish.

Nicolas Feuillatte Graphic Ice Blanc and Rosé, splendidly showcased in their silver and pink metallic attire, will be available at fine wine retailers at approximately R615 and R760 respectively (750ml bottle).

For more information visit: www.nicolas-feuillatte.com

Issue 31

LIQUOR INVENTORY

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TAVERN REVIEWS

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VENDA SUN

NTHA TAVERN REVIEWS

Owner: Thomani Maphorisa Organisation: NTHA How did you get into the tavern trade?

In 2004 I started selling with one case from my home. The tavern grew as time went on. I even joined the SAB Share Scheme with the extra money that I was making and have managed to build a storeroom, shelter for customers, a drinking area and a non-smoking area.

BOYSIE’S PLACE Owner: Wenzile Dube Organisation: NTHA How did you get into the tavern trade?

My dad started the tavern 15 years ago. He has retired to KZN and I have taken over the running of the tavern.

What challenges do you face in this industry?

Crime is a major challenge for me. I have been a victim of crime twice in my tavern. Criminals came into my tavern both times, pulled guns and stole cash and alcohol. Thankfully no-one was hurt.

Do you have future plans for your tavern?

Yes, I would like to start serving food soon. I would like to convert part of the tavern into a restaurant and serve a full traditional food menu to my patrons.

What challenges do you face in this industry?

The relationship with the local police station is a bit of a challenge sometimes because they need to be available to us when we call upon them and crime in my community is a big issue! If they can work hand in hand with us, a lot of the crime issues will be resolved.

Do you have future plans for your tavern?

Yes, I am looking for businesses to sponsor my tavern to upgrade the look, get alcohol discounts and I can offer them branding opportunities inside and outside of my tavern.

How do you give back to your community?

I donate to the local high school in the area. When they have soccer tournaments, I sponsor each tournament and donate what they need.

How do you give back to your community?

I look after two kids who live next door whose parents passed away. I have made the decision to make sure that these children get everything they need because I was very close to their parents. I also have a soccer team called Venda Sun FC and this helps the community to stay fit.

LOCATION: 2704 TSHEPISONG, PHASE 2, ROODEPOORT

LOCATION: 584B LEBONYANE STREET, ZONE 7, MEADOWLANDS

SALTA TAVERN REVIEWS PETER’S TAVERN Owner: Peter Kobola Organisation: SALTA How did you get into the tavern trade?

I started my tavern in 1994 because was unemployed. I started with very little stock and operated from my house. Since then, have bought another stand next to my home and have separated my tavern and my home.

I I

What challenges do you face in this industry?

Crime is the biggest challenge I face as a tavern owner. I have to be alert at all times to protect my staff and my patrons and my security has to be the same.

In my tavern, my security searches every single person who walks through the door and that is non-negotiable.

Do you have future plans for your tavern?

Yes, I would like to save enough money to open a resort and incorporate my tavern into the resort.

DH PUB & GRILL Owner: Madumetja Degashu Organisation: SALTA How did you get into the tavern trade?

I started my tavern in 2014. was already operating my tuckshop, which I started many years ago, but wanted to start another lucrative business. My tavern now operates next to my tuckshop. My tavern is currently operating as an off-sales and I am still extending the property to accept patrons. I will be fully operational and ready to accept lots of patrons this December.

I

What challenges do you face in this industry?

My challenge would be the by-laws and staying above board and following all of the liquor laws which are constantly changing. I want to remain compliant and can’t wait for my permit to be changed to a license.

How do you encourage your patrons to drink responsibly?

I educate them every chance that I get. I have signage stating that we do not sell liquor to pregnant women and to anyone who is already intoxicated.

I also close very early so I can control their drinking in that way too.

How do you give back to your community?

I try to help my community in any way that I can. In the past I have donated groceries and given cash donations to those in need.

How do you give back to your community?

I belong to a non-profit organisation, The Soshanguve Liquor Association, and we give back to the community by donating to all the creches in our area. In the future, we would like to start assisting vulnerable women.

LOCATION: 1113 BLOCK MM, SOSHANGUVE

LOCATION: 1109 BLOCK GG, PAMVILLE STREET, SOSHANGUVE

TAVERN REVIEWS

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BVFBA TAVERN REVIEWS LARRY’S TAVERN

DUMI’S PLACE

Owner: Larry Nogqala Organisation: BVFBA

Owner: Dumisane Myeza Organisation: BVFBA

How did you get into the tavern trade?

I started my tavern in 1996 with just few cases of beer. I was permanently employed but decided to leave my job and opted to take a package and start working for myself.

a

What challenges do you face in this industry?

My challenge is that my tavern is becoming far too small. I serve so many patrons now after all these years and the numbers keep growing so it’s time to renovate and expand.

What sets your tavern apart from the rest of the taverns in your area?

The bond that I share with my patrons. There are many but I know every single person that has supported my business. I also serve a great menu which includes my popular fish and chips and my tavern has its own winning soccer team – The Pure Stars.

How do you give back to your community?

Each December, I buy food hampers for seven less fortunate households in our area. I also purchase soccer balls for the kids in our community to play with.

LOCATION: 3053 NAPE STREET, EXT 8, ROCKVILLE

How did you get into the tavern trade?

I started many years ago selling from my home but on a very small scale. As demand grew, I borrowed money from my family members to expand and that is how my tavern was started.

What challenges do you face in this industry?

I sometimes struggle with the demand from my customers because I have many customers to serve and my business is still growing! I am also short of equipment to serve such a large crowd but I am slowly building my tavern up.

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

The vibe that my tavern offers patrons is the best and my patrons keep on coming back because they love that vibe. I also serve a great menu which includes ox liver and fish and chips.

Do you have future plans for your tavern?

Yes, I would like to change my business from a tavern to a bottle store and be the main supplier to the smaller taverns in my area.

LOCATION: 733 UMSIMBITHI DRIVE, EXT 5, PONONG, VOSLOORUS

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TAVERN REVIEWS: CLUB 10 ®

TAVERN REVIEWS

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

Owner: Malose Maphakela How did you get into the tavern trade and what challenges do you face in this industry?

How has Club 10 assisted you in the running of your tavern?

Club 10 has assisted me with liquor board laws so I always remain compliant as well as marketing material.

MHLONGO BAR LOUNGE Owner: Komisheni Mhlongo

MAPHAKELA’S TAVERN

I started out by selling two cases and proceeded from there by buying and selling more as I went along. I have been working in my tavern for 21 years already! The challenges I face is mostly having to deal with unruly and drunk customers. Some of them end up fighting in my tavern, especially at month-end when they drink far too much because they have the money to drink.

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What are your top-selling brands?

My top sellers are Heineken, Lion and Hunters Dry. Do you have future plans for your tavern?

Yes, I serve many customers and am always busy so I would like to extend my tavern to create more space.

LOCATION: STAND 2308, SEKGAKGAPENG VILLAGE, MOKOPANE, LIMPOPO

I purchased the tavern from my brother in 1992. I would say that the main challenge in this industry is that there are lots of ups and downs and competition and it is not always easy but you have to hang in there.

What are your top-selling brands?

How has Club 10 assisted you in the running of your tavern?

At the moment, Amstel and Belgravia Gin is flying off the shelves.

Club 10 has played a massive role in my business! I have benefited greatly from their marketing and have managed to reach customers far away who don’t mind travelling the distance to come to my tavern. My customer numbers have increased immensely with the locals who now prefer my tavern over others.

Do you have future plans for your tavern?

Yes, I want to be the number 1 spot to party in the Inkomazi region!

LOCATION: STAND 174, BUFFELSFRUIT MAIN ROAD, MALELANE, MPUMALANGA

KWAZINTLE TAVERN Owner: Zintle Zanenkosi

KHESARI TAVERN Owner: Andries Nkosi How did you get into the tavern trade and what challenges do you face in this industry?

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

I started my tavern in 2010 and so far so good I would say! My main challenge would be the crime that comes with this industry. I have employed extra security to make my tavern safer for my staff and patrons as I believe in safety first.

My late Dad, Cingicebo, who passed on last year, started the tavern in 2010. I took over the running of the tavern after he had passed on.

My main challenge is that some patrons don’t follow the rules and sometimes refuse to leave at 11pm when we close. I have since implemented a rule that we don’t allow anyone in after 10pm.

How has Club 10 assisted you in the running of your tavern?

Club 10 has assisted me with marketing, discounts, events and they supplied all of my staff members with a uniform, which we really appreciate.

What are your top-selling brands?

Heineken, Hunter’s Gold, Savannah and Amstel.

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

I work hand in hand with the Department of Education in my province and every year, we assist 15 learners from our local school with a brand-new uniform.

LOCATION: MPHAFENI AREA, WARD 9, PONGOLA, KWAZULU-NATAL

How has Club 10 assisted you in the running of your tavern?

Club 10 has assisted me with a brand-new signboard outside the tavern, as well as new outside toilet signage and no smoking signs.

They also assist me greatly with discounts and marketing material.

What are your top sellers?

My top sellers would be all the SAB beer brands as well as Johnnie Walker Red Label and Viceroy.

Do you have future plans for your tavern?

Yes, my plan is to extend and renovate. I really want to fit a new floor and new roof in the tavern so that is my immediate plan.

LOCATION: ERF 235, 2ND AVENUE, FISANTEKRAAL, DURBANVILLE, WESTERN CAPE

011 532 3888

COMPLIANCE

Issue 31

Recipe Collection MASHED POTATOES Serves 4 INGREDIENTS: • 4 large potatoes (880 g), peeled and cut into quarters • ¾ cup (187,5 ml) hot water • ½ cup (70 g) Ellis Brown® Creamer • ½ cup (110 g) butter or margarine METHOD: • Boil water in a large pot.

• Place the potatoes in the pot and boil until very soft.

• Drain water and place potatoes in a bowl.

• Mash with a potato masher until smooth.

• Combine hot water and Ellis Brown® Creamer and stir well.

• Pour mixture over potatoes and mash them, to combine.

• Add butter and mash again.

• Serve while warm.

• Season with salt and pepper as preferred.

CREAMED SPINACH Serves 4 INGREDIENTS: • 1 tablespoon oil • 2 bunches spinach, washed and shredded • ¼ cup (60 g) butter • 1 onion, finely chopped • 1 clove garlic, minced • ¼ cup (30 g) cup flour • 4 tablespoons Ellis Brown® Creamer • ¾ cup (187,5 ml) water • ½ cup (60 g) cheese, grated METHOD: • Place oil in a large frying pan over a medium heat.

• Add spinach and cook until soft making sure not to overcook.

• Add onion and garlic and cook until soft.

• In a separate bowl mix the flour and Ellis Brown® Creamer.

• Stir the Ellis Brown® mixture into the spinach and cook gently over a low heat.

• Whisk while slowly adding in the water.

• Cook, stirring constantly, until the sauce has begun to thicken slightly.

• Stir in cheese and butter, season with salt and pepper as preferred.

• Serve immediately.

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INSURANCE

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INSURANCE EQUALS

PEACE OF MIND! Why every SME needs insurance cover

H

aving insurance gives you peace of mind because you know that your business is secure. There are many unforeseen problems that can happen to your business, such as accidental damage, machinery breakdown, fire, or theft. These incidents can happen when you least expect it and knowing you have insurance cover puts you at ease because you know that your insurance will take care of the situation. You can’t predict what will happen now or in the future, so when you’re insured you can at least know that you will be covered and you can focus on your work and grow your business.

Let’s take a look at the most important cover you should consider for your business and as the business owner.

Business liability insurance Under South African law, retailers, suppliers, manufacturers and distributors can be held liable for damages caused by defective or hazardous products. Whatever the nature of your business, you are responsible for the products and services you offer as well as what happens in your workplace.

The liability of business also extends to workrelated illness or injury even if the employer had no intention to cause harm. When working out how much liability cover you need, consider the type of business you have and the level of risk your products, services and premises pose to your employees and customers.

Property insurance If you own your building – as is the case with shebeen owners who operate from their homes – or just the equipment you need to conduct your business on a daily basis, your policy should protect against fire, floods, theft and vandalism, to name a few. The building and all of its contents should be insured for its full replacement value so you do not fall short should tragedy strike.

Business vehicle cover It is vital to keep the goods you are transporting protected as well as the vehicle carrying them.

You should insure your business vehicles against damage, theft, hijackings and collisions, given the alarming accident rate on South Africa’s roads – and it is wise to insure your vehicles at market replacement value. Goods in transit cover can be linked to your collection and delivery vehicles and will keep your loads covered in the event of any accidents or theft on the road.

For the business owner: Credit life insurance Imraan Ismail from Abacus Life Limited explains that credit life insurance is an insurance product specifically designed to cover the cost of your debt if you aren’t able to pay it back due to unemployment or loss of income, disability or death. He also confirms that “credit life insurance gives you peace of mind in the event that tragedy strikes, and you don’t want to burden your loved ones with repayment commitments that you are unable to meet”.

You may already have credit life insurance and not even know it. That is why it is so important to read any credit agreements carefully before signing them. These will include all store cards, credit card agreements and vehicle finance agreements. According to the National Credit Act (NCA), credit providers can insist that you have credit life insurance for any credit agreement you have with them.

Funeral cover According to Yandisa Ngcwabe from Abacus Life Limited, “The one thing that is certain in life is death and that is why funeral cover is one of the most important types of cover to consider.

Funeral cover works by paying a monthly amount towards a funeral plan so that in the event of death, a specified amount will be paid out to

your beneficiary.” The costs of a funeral will be covered so that your loved ones won’t have to worry about extra expenses. When deciding which funeral cover is best for you, the exact amount covered will depend on your unique situation. Everyone’s needs will differ when choosing a funeral policy. When considering the amount you need, ask yourself: • How much can I afford to pay every month • What do I need covered?

• Who do I need cover for? Myself, my immediate family, my parents or my extended family?

Life insurance A life insurance policy ensures that you can still provide for your family even when you have passed on. In exchange for monthly premium payments, an insurance company provides a lump-sum payment, known as a death benefit, to the beneficiaries upon the insured person’s death. If you are the breadwinner in your family, your death could leave your family financially vulnerable. Life insurance will provide your family with the security and protection they need should the worst happen.

Insurance cover not only benefits yourself, but your family, your employees, their families and your clients too. With adequate coverage, they will also reap the benefits of an insured business. When seeking cover, never assume that the cheapest premium offered is the best option. Everyone’s situation is unique so always compare the cover, exclusions, excess and all terms and conditions before deciding on an insurance provider.

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TAVERN REVIEWS

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RECIPES

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COOKING FOR BIG GROUPS THIS

FESTIVE SEASON? We’ve got you covered with great recipe ideas from Spekko

RIBS WITH LENTILS AND RICE Cooking time: 2 hours Serves 6-8

CURRIED PEACH AND BROWN RICE SALAD Serves 8 – 10 Crunchy, spicy and sweet all in one. The perfect summer salad or vegetarian meal.

INGREDIENTS: • 3 cups Spekko Saman brown rice • 1 x 410g can yellow peaches in syrup, drained and syrup reserved • 1 bunch spring onions, chopped • 1 each red, green and yellow peppers, pips and pith removed and chopped • ½ cup peach syrup – from the can • 1 tbsp curry powder • 1 tbsp lemon juice • 1 tbsp cornflour (Maizena) • 1 cup roasted cashew nuts • Salt and pepper to taste METHOD:

This is an easy one-pot meal suitable for feeding up to 8 people. To make this for a crowd, simply double the ingredients. Ma Dorah Sitole developed this recipe for Spekko rice.

INGREDIENTS:

METHOD:

• • • • • • • • • • • •

1. Heat oil in a large ovenproof casserole dish and brown ribs in batches on all sides.

Remove ribs and set aside.

2. Add onions, garlic and peppers to casserole dish, cook, stirring occasionally, for 10 minutes.

3. Return ribs to casserole, add bay leaf, dry herbs, salt and pepper.

4. Add water and bring to the boil, cover, reduce the heat to low and simmer for 1 hour or more until the meat is cooked.

5. Stir in the lentils, rice and tomatoes, cover and simmer for a further 30 minutes or until the lentils and rice are cooked (add more water if stew is too dry).

6. Remove the bay leaf, adjust seasoning and sprinkle with fresh parsley.

2 tbsp olive oil 1kg meaty beef short bibs or pork spare ribs 1 large onion, chopped 1 clove garlic, crushed ½ each green, red and yellow peppers, diced 1 bay leaf ½ tsp dried thyme 2½ tsp dried rosemary Salt and freshly ground black pepper to taste 2 cups water ½ cup IMBO black lentils ½ cup Spekko long grain parboiled rice • 1 x 410g can chopped tomatoes • 2 tbsp chopped fresh parsley

1. Cook the rice according to the instructions on the pack. Rinse in cold water and drain.

Set aside to cool.

2. Cut the peaches into smaller chunks and add with the onions and peppers to the rice.

3. Mix the peach juice, curry powder, lemon juice and cornflour in a small pot and heat until thickened.

Mix through the rice.

4. Add the cashew nuts, season and serve.

RECIPES

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BROWN RICE SALAD FROM UMLAZI WITH BEANS, TOMATOES, CORN AND JALAPENOS Cooking time: 15 minutes Serves 4 This is a crunchy salad with loads of texture and colour and a bit of bite. Chef Siwe Hlope from KZN cooked this for Spekko Rice on Kasi Kitchen. This is an easy salad to make for a large crowd. Serve with spicy chops or chicken for the special event. You can use Spekko long grain parboiled rice instead of the brown if you wish.

MILK TART RICE PUDDING Serves 4 Instead of dishing up traditional milk tart, try this milk tart rice pudding, which is gluten-free.

INGREDIENTS: • • • •

2 cups milk 1 cinnamon stick 2 star anise (optional) 1 strip of orange peel (optional) • ¾ cup sugar • 4 egg yolks

• • • •

2 tbsp cornstarch ½ tsp vanilla extract 3 tbsp butter 1½ cups cooked Spekko Royal Umbrella jasmine rice • ground cinnamon for sprinkling

METHOD: 1. Bring the milk, cinnamon stick, star anise, orange peel and 1/2 cup of the sugar to a boil in a large saucepan.

2. Whisk the egg yolks in a mixing bowl and gradually add the remaining sugar.

3. Whisk the corn starch into the egg yolk mixture.

4. Remove the cinnamon stick from the milk and temper the egg yolk mixture with a quarter of the milk. Return the tempered egg mixture to the rest of the milk in the saucepan and cook, whisking constantly.

5. When the custard starts to thicken, add the cooked rice and cook for 2-3 minutes. Remove the rice pudding from the heat and fold in the vanilla extract and butter.

6. Serve warm in bowls with a sprinkling of ground cinnamon.

INGREDIENTS:

METHOD:

• 2 cups cooked Spekko Saman brown rice • 1 tbsp oil • 1 cup corn kernels, cooked • 2 cups cooked IMBO red speckled beans • 2 limes, juiced • 1 lemon, zested • 30m (2 tbsp) olive oil • Salt and pepper • 250ml (1 cup) halved cherry tomatoes • 1 jalapeno pepper, seeded and minced • 250ml (1 cup) chopped fresh coriander leaves

1. Heat 1 tablespoon of oil in a non-stick pan. Add the corn kernels and cook until they start to brown.

2. Stir in the beans and remove from the heat.

3. In a bowl, mix the lime juice, the lemon zest, 2 tablespoons of olive oil and salt and pepper.

4. Put the rice in a salad bowl. Add the corn and beans, the lime juice mixture, the cherry tomatoes, jalapeno pepper and the coriander leaves. Mix through.

Check for seasoning and serve.

42

RECIPES

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GREAT CHICKEN DISHES FOR THE

FESTIVE SEASON! CHICKEN NECK AND BUTTER BEANS STEW

INGREDIENTS: • • • • • • •

2 tbsp chicken spice 250ml stock 1 onion (chopped) 1 red bell pepper (chopped) 2 cloves garlic (chopped) Salt and pepper 1 tbsp brown onion soup and water to make a paste • Oil for frying • 1 tin sugar beans • 1kg Goldi chicken necks

Chicken necks were always the most soulful dish.

Crunch the bone to find the meat and indulge in the flavour to appreciate the realness of African food.

CHICKEN SHISANYAMA WITH HOMEMADE CHILLI SAUCE A classic South African favourite - when you hear shisanyama, you know it’s from the braai and it should have a charcoal flavour

METHOD 1. Fry chopped onion, garlic and red bell peppers in a pot until translucent.

2. Add the chicken necks and chicken spice and fry for five minutes.

3. Add stock and simmer for a further 20 minutes.

4. Add sugar beans.

5. Make a paste of brown onion soup by adding a 125ml water with 1tbsp of brown onion soup, add and cook for two minutes.

6. If stew is too thick adjust with water to dilute it.

7. Serve with pap.

METHOD FOR THE CHICKEN AND MARINADE 1. Butterfly the chicken.

2. In a separate bowl add all marinade ingredients and chill in the fridge for an hour.

3. Baste the chicken with the marinade.

FOR THE CHILLI SAUCE

INGREDIENTS:

FOR THE CHILLI SAUCE

• One Goldi chicken

• • • • • • •

• 1 tsp BBQ spice • 1 tsp chicken spice • 2 tbsp oil • 6 tbsp lemon juice • 6 tbsp Worcestershire sauce

2 red chillies 1 red bell pepper 2 tomatoes 2 habanero chillies 2 tbsp mixed herbs 3 tbsp oil Salt and pepper

CHICKEN FEET CURRY Almost every chicken part has been used to make curry except for chicken feet, hearts or necks - but this right here is a low-cost and delicious curry.

INGREDIENTS: • 1 onion (diced) • 2 garlic cloves (crushed and chopped) • 4 bay leaves • 2 stems curry leaves • 2 tbsp curry paste • 1 tbsp curry powder

• 1 tbsp tomato paste • Salt and pepper • Oil for frying • 2 red chillies (sliced) • Handful fresh coriander for garnish • 250ml chicken stock • 1kg Goldi chicken feet

METHOD 1. For onion and garlic in oil until translucent.

2. Add chicken feet and fry for at least three minutes, then season.

3. Add tomato paste, curry paste and curry powder and cook for a further two minutes.

4. Add bay leaves, curry leaves and water and let the curry simmer on low temperature for 30 minutes until it becomes thick and the chicken feet become soft.

5. Serve with chopped chillies, coriander and basmati rice.

1. Place all ingredients in a pan, drizzle olive oil and season.

2. Roast the chilli sauce ingredients for 20 minutes at 180 degrees Celcius.

3. Once done, blend all of them and chill the sauce in the fridge.

4. Prepare the braai and braai your chicken until the chicken is golden brown and tender.

5. Serve with the chilli sauce.

Issue 31

RECIPES

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44

RECIPES

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DELICIOUS RECIPES

FOR THE FAMILY STEAM BREAD WITH SWEETCORN (UJEQE)

KOO CURRIED MIXED VEGETABLE PIE

INGREDIENTS: • 1 can (410g) KOO Whole Kernel Corn in Brine, drained • 1kg Golden Cloud cake flour • 125g butter • 1 sachet Benny powdered chicken stock • 30ml (2 tbsp) sugar • 10g instant dry yeast • lukewarm water (enough to make the dough soft)

INGREDIENTS: • 1 packet (400g) frozen puff pastry, thawed • 6 medium potatoes, peeled and diced • 50g butter • Salt and freshly ground black pepper, to taste • 1 can (410g) KOO Mixed Vegetables in Durban Curry Sauce • 50g (½ cup) grated cheddar cheese • 1 egg, beaten

METHOD: 1. Combine dry ingredients (except the dry yeast) in a basin. Rub in butter with your hands. Add dry yeast gradually.

2. Add KOO Whole Kernel Corn, mixing with your hands. Slowly add water and knead down to make a soft dough. Continue pressing your dough until it feels like elastic, then cover it and put aside for 1 hour to rise. Dough should have doubled.

Press and knead it down.

3. Place the dough in a greased bowl and place the bowl in a pot half-filled with warm water, boil for 1.5 hours.

4. Serve with any curry or stew.

KOO RED KIDNEY BEAN AND COUSCOUS MEDLEY INGREDIENTS: • 200g couscous • 60ml (4 tbsp) olive oil • 8 chicken pieces • 1 bunch spring onions, chopped • 2 cloves garlic, crushed • 2 carrots, diced • 2 baby marrows, sliced • 15ml (1 tbsp) curry powder • 5ml (1 tsp) paprika • Salt and freshly ground black pepper, to taste • 250ml (1 cup) water • 1 sachet Benny chicken stock powder • 1 can (410g) KOO Red Kidney Beans in Brine, drained METHOD: 1. Prepare couscous by soaking in boiling water, covering with shrink wrap and leaving to stand for 10 minutes.

2. Heat oil and fry chicken until brown, remove and keep aside.

3. Add spring onions, carrots and baby marrows and fry for five minutes. Add in curry powder, paprika, salt and black pepper.

4. Add water and chicken stock powder, return chicken to saucepan, bring to the boil, lower heat and simmer for 30 minutes until chicken is cooked.

5. Add couscous and KOO Red Kidney Beans, gently toss together, heat through for five minutes. Transfer to serving dish.

METHOD: 1. Preheat oven to 180°C. Line a baking sheet with baking paper.

2. Boil potatoes until done. Add butter to potatoes, season with salt and pepper and mash well until smooth.

3. Mix KOO Mixed Vegetables in Durban Curry Sauce with mashed potatoes and cheese.

4. On a lightly floured working surface, roll out pastry slightly using a rolling pin.

5. Spoon the vegetable mash onto one half of the pastry sheet, moisten the edges with water. Fold the pastry over the vegetable filling and stick the edges together, pressing down with a fork to seal.

6. Brush top of pie with beaten egg.

Transfer pie onto baking sheet.

Bake for 20 - 30 minutes or until pie is golden and flaky.

7. Serve with chips and a gravy.

RECIPES

Issue 31

45

1 OF 60 HART CATERING POTS FOR YOUR STOKVEL

*120*318# TO ENTER THE DRAW T’s and C’s To enter the draw for the prize entrants must dial the USSD number above. USSD sessions are charged from your airtime or billing balance and costs 20c for every 20 seconds you use the service (Free minutes do not apply). This Promotion is open to cell phone users on the South African Vodacom, MTN, Telkom Mobile and Cell C networks. An entry will be deemed valid once the consumer has followed all of the prompts during the USSD session.

For full T’s & C’s, call (+27) 0860 100 891 or visit www.koo.co.za • KOO is an Icon Brand as well as the Winner of the Tinned Fruit Category. • KOO is an Icon Brand as well as the Winner of the Tinned Vegetables Category. • KOO is an Icon Brand as well as the Winner of the Tinned/Canned Beans Category. • Black Cat is a Kasi Star Brand as well as the winner of the Spreads: Peanut Butter Category. • All Gold is the winner of the Spreads: Jams/Marmalade Category.

46

SAFETY

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SAFEGUARD YOURSELF

AND YOUR MONEY Don’t become a victim this holiday season by following these safety tips

T

he holiday season is officially upon us and many of us will receive stokvel lump sum returns and bonus cheques. It is also a highrisk period for criminal activity with stokvelrelated robberies and thefts on the increase.

The South African Banking Risk Information Centre (SABRIC), on behalf of the banking industry, warns bank clients always to remain alert when carrying cash.

Two crime types remain prevalent. In the first type, victims are followed out of a bank branch after a cash withdrawal has been made, which comprises the majority of cases. There are also incidences where people are followed after withdrawing money at an ATM. In both these cases, criminals follow the victim to their residence, place of work or any other place where it is easy to rob them.

In the case of bank branches, “spotters” operate and communicate the victims’ description to accomplices, who wait outside the bank. Small business owners are also at risk, particularly when drawing cash to pay weekly wages.

While the banks don’t suffer the financial loss, they are nevertheless very concerned about the safety of their clients. In most robberies, robbers are armed and will resort to violence if the victim tries to resist. From 2017 to June 2018, SABRIC recorded eight fatalities and 26 injuries due to cash robberies.

Robberies are not limited to urban areas, but also occur in rural towns across South Africa. Gauteng showed the highest number of incidents (843) for 2017 at 58%, and was followed by KwaZulu-Natal, Western Cape, Mpumalanga, North West, Eastern Cape, Limpopo, Free State and Northern Cape.

According to incidents reported to SABRIC between 2015 and January 2018, 52 stokvel robbery incidents were also reported.

Kalyani Pillay, the CEO of SABRIC, says, “It is very distressing that bank clients who are the victims of stokvel and associated robberies are often injured or even killed during these incidents, which is why we urge them to find safer ways to transact, such as internet transfers or mobile banking, instead of carrying large amounts of cash.”

Kalyani therefore urges bank clients to protect themselves, and reduce the risk of becoming a victim, by following the tips below: It is important for stokvel clubs to adopt extra safety measures when withdrawing and sharing money to avoid becoming victims of crime.

Tips for stokvel groups • Aim to do all of your stokvel’s bookkeeping ahead of the holiday period rush.

• For bulk-buying groups, arrange for your local branch to make payments directly to retailers if possible. The bank needs the bank details of the retailer with a reference that will allow the retailer to identify your deposit. The bank will provide you with proof of payment, which you can provide to the retailer in need. Your bank can also write a bank-guaranteed cheque for you. No one else except the person it is made out to can deposit it.

• Refrain from making cash deposits of club members’ contributions on highrisk days (e.g. Monday after month-end).

• Encourage members who don’t have bank accounts to open one as soon as possible.

• Ensure those depositing club cash contributions or making withdrawals are accompanied by another club member.

• A stokvel savings club or burial society can arrange for members to deposit cash directly into the club’s account instead of collecting cash contributions.

• Arrange for the club’s payout to be electronically transferred into each club member’s personal account or accounts of their choice.

• Take another person along when going to deposit club cash contributions.

Tips for individuals • Carry as little cash as possible.

• Consider the convenience of paying your accounts electronically (consult your bank to find out about other available options).

• Consider making use of cellphone banking or internet transfers or ATMs to do your banking.

• Never make your bank visits public, even to people close to you. Criminals can use this information to plan their robberies.

Tips for businesses • Vary the days and times on which you deposit cash.

• Never make your bank visits public, even to people close to you.

• Do not openly display the money you are depositing while you are standing in the bank queue.

• Avoid carrying moneybags, briefcases or openly displaying your deposit receipt book.

• It is advisable to identify another branch near you that you can visit to ensure that your banking pattern is not easily recognisable or detected.

• If the amount of cash you are regularly depositing is increasing as your business grows, consider using the services of a cash management company.

• Refrain from giving wages to your contract or casual labourers in full view of the public; rather make use of wage accounts that can be provided by your bank.

• Consider arranging for electronic transfers of wages to contract or casual labourers’ personal bank accounts.

Issue 31

RECIPES

47

48

COMPLIANCE

DO YOU BROADCAST OR PLAY MUSIC IN

YOUR BUSINESS? You need a licence for that!

Empower your business. Empower our artists.

You have a business. Your business plays music. Music for marketing. Music for customers. Music for followers of your brand. In the end, the music you choose matters, from shaping your identity to setting the right tone to amping up your profits. Now imagine your business without music. Imagine the dead silence of aisles, the absence of the vibe in your taxi, the stillness of night in a club. Most of all, imagine the knock to your bank account.

Did you know that if you are using recorded music in your business you should be paying SAMPRA a Needletime Rights Licence?

• The money you pay to SAMPRA is paid to recording artists and record companies. This enables them to keep making the music you rely on to create the mood in your business. A SAMPRA licence gives you access to millions of recorded tracks from all over the globe, and to do so with a clean conscience, knowing the people responsible for the character and ambience of your business are being duly rewarded.

• SAMPRA represents over 16 000 recording artists and over 4800 record companies.

• To date, SAMPRA has paid over R230 million to recording artists and record companies.

• Playing without paying is theft. It cripples the music industry, limiting production and reducing the opportunity for growth, creativity and diversity.

• Get your business licenced today. Gain access to endless music. Empower your business with the quality it deserves and cultivate the foundation for thousands of talented artists.

Get your SAMPRA licence today by contacting: Tel: 011 789 5784 Email: info@sampra.org.za Website: www.sampra.org.za

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Issue 31

STOKVEL PAGES

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50

PROPERTY

www.spotongmag.co.za

RDP HOME INSURANCE IS HERE

RDP

housing insurance has arrived in South Africa, giving families supported by the government subsidy housing scheme vital protection against unforeseen financial circumstances.

The government subsidy housing scheme has changed the lives of millions of South African families with the provision of free housing commonly known as RDP homes - to qualifying citizens. Government-funded homes give those who would otherwise never be able to afford a house the chance to enjoy the benefits of property ownership. But while RDP houses have undoubtedly been positive, South African communities are still rife with stories about families who are under crippling financial strain after receiving their property.

“When beneficiaries of low-cost homes experience loss or damage to their properties, they face a heavy financial burden,” says Bangi Makopo, co-founder and director at Social Housing Initiative Cover (SHIC), a pioneering low-cost housing insurance company.

“Most RDP families don’t have access to spare money, so if something goes wrong with their new house, they can’t afford to fix it. And if you don’t maintain a property more things tend to go wrong, and you end up in a negative cycle from which you can’t escape.”

SHIC offers affordable low-cost housing protection against this devastating scenario. For only R100 per month, RDP homeowners can now make sure that if they experience theft, fire or material building damage, they will be able to pay the cost of repairs.

The issue of low-quality RDP buildings is widely recognised across South Africa. For example, early in 2019 Human Settlements Minister Nomaindia Mfeketo stated that the government had spent R1.1-billion over the previous five years to repair

Bangi Makopo, co-founder and director at Social Housing Initiative Cover (SHIC)

badly built RDP houses. Worryingly, this figure does not include costs from three key provinces: Gauteng, Mpumalanga and the Northern Cape.

as low as we could possibly make it. This has been a big point of focus for us, along with making sure the process of getting cover is simple, and fast.”

The SHIC offering is therefore a huge development for RDP families - especially since in 2019 many RDP houses continue to be built to a low structural standard.

Interested families can contact SHIC via its social media pages, but the company puts most of its operational energy into servicing new and existing clients via a simple phone call. The process is as easy as calling 010 900 1346. A friendly consultant then guides homeowners through the information they need to supply and sends them a quotation that meets their needs. After that, the policy is activated.

“There are still a lot of reports from lowcost homeowners about poor quality, with specific mentions of weak walls and roofs,” explains Makopo. “This is very unfortunate and can undermine the whole principle behind government-subsidised housing. When a building is structurally weak to start with, it is vulnerable to natural forces like rain and wind. The weakness and vulnerability grow a hundred times when owners can’t afford to repair cracks, leaks and other kinds of damage.”

“Most RDP families don’t have access to spare money, so if something goes wrong with their new house, they can’t afford to fix it.” ~ Bangi Makopo, co-founder and director at Social Housing Initiative Cover (SHIC) At R100 per month the SHIC insurance product offering is affordable for most low-cost homeowners, and gives protection against core property damage, excluding household contents and renovations made to the house after it was handed to the owner. Policyholders also have the option to take up additional, affordable cover for household contents, as well as a funeral plan.

“We’ve worked very hard to develop this product for South African communities,” says Makopo. “It services families that meet government’s criteria for social housing, as well anyone else with a home valued under R150 000. The cost of the premium is

“The response since we launched in July this year has been incredible, right across the country,” concludes Makopo. “This is clearly an urgently needed product because it protects our most vulnerable families against the very real risk of a financial nightmare. Anyone worried about this happening to them should call us immediately.”

About SHIC Low Cost Housing Insurance Cover Social Housing Initiative Company (SHIC) offers affordable, low-cost housing insurance to South Africans who qualify for government-subsidised housing. SHIC was developed by Kunene Makopo Risk Solutions, in partnership with Afribiz Invest, and is underwritten by the Constantia Insurance Company.

Applicants for SHIC must own a property with a market value of under R150 000 and/or meet South Africa’s national housing subsidy scheme criteria, including: • They must be South African citizens.

• They must be over 21 years old, and mentally competent to sign a government subsidy housing contract.

• They can be married or living with a partner, or single and supporting dependants. Single military veterans or aged people without dependants also qualify.

• Applicants must earn less than R3 500 per month per household. If two family members both earn salaries and their combined earnings amount to more than R3 500 per month, they will not qualify.

• Applicants must be first-time government housing subsidy recipients.

• They must also be first-time homeowners.

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52

TRAVEL

www.spotongmag.co.za

TRAVEL FAQS

The top 7 questions first-time travellers ask, answered

By Jenna Berndt

T

Pack essentials such as medication and hand sanitiser and anything you need to be comfortable, such as an eye mask, fluffy socks, book and iPad or phone pre-loaded with entertainment just in case the onboard entertainment doesn’t appeal. Add a scarf (planes are generally chilly).

ravel can be daunting. If you’re soon to be boarding your first international flight or exploring a sho’t left here in Mzansi, there’s no more need to worry. Here are 7 FAQs from first-time travellers, answering everything you need to know.

1. How much will it cost?

Affordability is often a concern for first-time travellers. While many South Africans think they can’t afford to travel, the reality is different. According to South African Tourism, only 2.9-million South Africans out of the 8.9-million who could afford to travel in 2018 actually did.

The good news is that this seems to be changing. SA Tourism says for the first few months of 2019 local holidays are up 59.7% compared to the previous year.

So how do you get in on that action?

Start with travelling locally. Staycations and local or regional micro-cations (holidays shorter than five nights) not only give you bang for your buck but also make the most of your precious time.

Depending on the Ts and Cs, and the season, of course, Flight Centre offers local self-drive breaks from R900 per person for two nights, a four-night trip to Zanzibar from R9000 per person sharing and packages to Mauritius and Thailand from R12 000 upwards per person sharing.

Stay hydrated and bring along a good dose of patience and excitement. After all, how often do you get to relax and be served drinks, a meal and entertainment in your seat?

3.

I’m nervous about being outside of my comfort zone...

There are many ways you can save to make your travel dreams come true, from taking advantage of the power of group buying, such as investing in a Flight Centre Travel stokvel, to booking early and travelling in a cheaper season (off-peak travel is getting increasingly popular).

2. How do I prepare for a long flight?

Let’s be honest. No one loves the long-haul flight itself – unless you’ve scored a seat in business class or need to catch up on your movies. But there are certainly ways to make the experience pleasant.

Consider carefully if you want a window or aisle seat. It’s personal preference, but for anyone with long legs, we’d recommend the aisle or paying a bit more for a seat with extra legroom.

Start locally with a staycation or weekend getaway, then work your way up to a short regional trip (perhaps to the Indian Ocean Islands, Zanzibar or the like) and then, when you feel comfortable, take the plunge and embark on an international trip.

“Guided holidays and cruises are great choices for first-time, solo and young travellers,” says Divan Viljoen, marketing campaign manager at Flight Centre’s Youth and Adventure brand. “They offer incredible peace of mind for travellers who may worry about being out of their comfort zone.

“You will be travelling with like-minded people and have the added benefit of having experienced guides, tour leaders or crew to help you along the way. Cruises and guided holidays usually include all the on-trip essentials so it’s one less admin thing for first-time travellers to worry about.”

TRAVEL

Issue 31

“You can join a guided holiday or cruise in almost every corner of the world too,” advises Viljoen.

Tick off the iconic sights of Europe, cruise the Med, enjoy Oktoberfest, St Patrick’s Day or other famous festivals or head off the tourist trail exploring the Amazon. The world is your oyster.

4. How do I decide where to go?

First, decide what you want. You don’t have to follow the crowd. Just because everyone is going to Paris to see the Louvre doesn’t mean you have to if art and museums don’t interest you at all.

Ask yourself: • What do you want from your trip? To tick off all the sights? Adventure? To do nothing or relax?

Cities, beaches or nature?

• Who are you travelling with?

• What’s your budget?

• Why are you taking this trip?

Once you have all the answers to these waxed, next up is the fun part. Choosing the destination.

However, the choices can very quickly get overwhelming so ask for recommendations and consult a travel agent. Often the Instagram appeal of a specific destination may not match up to its reality or your holiday wish list so an expert can help ensure your expectations are met. Popular international destinations for first-time South African travellers are Thailand, Mauritius, Zanzibar and Europe (particularly Western European countries where English is more widely spoken).

5. How do I plan my holiday?

The short answer? Ask an expert travel agent.

They can advise on everything from where to shop in the destination to visas, insurance and health requirements.

6. What do I do if I get lost?

If you have a local sim card, use the maps function to put in a location (always save your hotel’s address on your phone and write it down and keep it with you at all times). If you don’t have mobile data, try to find a spot where you can access Wi-Fi or ask a friendly local.

Sometimes the beauty of travelling is getting lost.

If you’ve got nowhere to be, are safe and have time, wandering around a city is a wonderful way to stumble across many hidden treasures you simply wouldn’t have found if you had stuck to your itinerary.

7. Will I be safe?

Safety and security are valid concerns. At least 16% of travellers reported that they were concerned about travel safety in 2019, according to an international Global Rescue travel safety survey conducted in January and February 2019. However, only 6% of the respondents said that these concerns would have an impact on their travelling.

After all, millions of travellers travel around the world each year without incident.

“Guided holidays and cruises are great choices for first-time, solo and young travellers.” ~ Divan Viljoen, marketing campaign manager at Flight Centre’s Youth and Adventure brand

53

Be wise when planning your travels. Consult your expert travel agent about recommended destinations – they have access to on-the-ground information in countries around the world, so can offer you advice on the real situation, not just relying on sometimes sensationalist media reports.

Book with reputable operators or providers, check in regularly with loved ones at home and research the destination before arrival, so you’re aware of any specific customs, guidelines and laws to ensure you’re not only being respectful, but also safe.

Ensure you have saved all important numbers (including the local embassy details), as well as documents such as copies of your passport and travel insurance, backed up electronically in the cloud so you can access this from any computer terminal.

Travel insurance is always vital. No matter where you’re travelling, you need comprehensive travel insurance for peace of mind. Ensure you know exactly what you’re covered for so ask the questions and speak up if anything is unclear when you’re reading the policy wording.

And don’t forget to take those South African street smarts with you and trust your instincts.

The time is now. With all your queries ticked, the only thing left to do is get travelling. You’ll soon ask yourself why you didn’t do it earlier!

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STOKVEL PAGES PROD CHEC UCT KLIST INSID E!

IT’S ‘THAT’ SEASON FOR STOKVELS: BULK BUYING OR PAYOUTS?

Palesa Lengolo, author of Stokvels, has the answers to your frequently asked questions

BANKING OPTIONS FOR YOUR STOKVEL Reap the rewards of being banked

ALWAYS READ THE

FINE PRINT Paying attention to the terms and conditions of financial products is crucial for the success of your stokvel

WIN AT

BULKBUYING

Make the planning process easier to ensure you get the best bulk deals - and savings too!

56

STOKVEL PAGES

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IT’S ‘THAT’ SEASON FOR STOKVELS:

BULK BUYING OR PAYOUTS? Palesa Lengolo, author of Stokvels, has the answers to your frequently asked questions

I

t’s that time of the year. Bulk-buying season or payout season for stokvels!

This can be a stressful time for stokvel members, as there are a number of factors to deal with.

Bulk buying Two-thirds of grocery stokvels make bulk purchases from various retailers and wholesalers once a year, over the last four months of the year. Here are some frequently asked questions by stokvels when it comes to buying in bulk: Should we withdraw our cash from the bank to go to retailers to buy?

they don’t feel hard done by by the retailer.

Stokvels have a very high buying power, so they are powerful in the wholesale and retail industry. They must just use their power!

Payouts The most anticipated time of the year for many South African families is December. This is not only because of the festive cheer, but because they are stokvel members, and with that comes some temporary financial relief this month. Here are some frequently asked questions by stokvels when it comes to payouts: Should we share our cash in hand?

That’s a big NO!

That’s a big NO!

Stokvels are targets for criminals during this time for cash robberies. Stokvel members should rather arrange with the retailer or wholesaler for electronic transfers (EFT) 24-48 hours prior to bulkbuying day, so they don’t carry any cash with them.

The bank needs the bank details of the retailer or wholesaler with a reference that will allow the retailer to identify your deposit. The bank will provide you with proof of payment, which you can provide to the retailer or wholesaler in need. Your bank can also write a bank-guaranteed cheque for you - no-one except the person it is made out to can deposit it.

I encourage members to transfer money directly to their bank accounts. Do all your bookkeeping beforehand and make sure every stokvel member has a bank account. Your local bank branch can arrange for payments to be made directly to individual members’ accounts. And members don’t have to withdraw all their monies when they receive it, they can withdraw the cash in smaller amounts over a few days or swipe bank cards. This way, you minimise the chances of losing money to robbery. Criminals are more likely to target stokvel members as the festive season approaches as they know that they are being paid out for the holidays, so be warned!

Lastly, stokvels should rather NOT keep their monies with retailers for “convenience”. This money doesn’t grow in interest and only benefits the retailer, not the stokvel.

Which stores are best to buy from?

When it comes to store choice, stokvels need to shop around way before bulk-buying day in order to get a store that can meet most of their needs − such as availability and validity of stock. Considerations are price, whether they will get a real beneficial discount as a group (ask for proof if you have to), customer care (they are bringing a lot of money to the retailer, they need to be treated well as important customers) − and added benefits such as offering delivery and packing are also important.

It is important for stokvel representatives to have great negotiation skills to communicate with retailers, so that after the shopping experience

If there is still money remaining from your payout, invest! Why? Because invested money creates money - when you invest, time allows your invested money to grow and compounding makes your money work harder for you; investing also help your money beat inflation (when money buys you less than what it used to); and investing is a step in the right direction to being financially secure. Learn about legitimate investments and/or get a financial advisor and start investing.

The whole process of paying off debt, saving for emergencies and investing doesn’t have to happen in one financial year or payout, for example, you can plan that for the first year, you pay off some debt, the next year, save for emergencies, the following, invest, and so on. And all this cannot be done properly without a budget to reach your goal or plan.

So whether you are bulk buying with your stokvel or getting a payout, do your homework.

Make sure you come out as a winner and benefit from being part of a stokvel!

What should I do with my payout, if don’t want to spend it on bulk buying?

It is important to have a goal in mind for your stokvel payout, if you are planning not to spend it on bulk buying. Most people have a lot of debt, so target paying at least one of your debts and pay it off. If you have high-interest debt looming over you, payout money can be a way to making a dent in the balance and possibly pay off the debt entirely.

Save some of your payout for rainy days (start or boost your emergency fund). Things like a job loss, natural disaster or even car trouble happen and your emergency fund is for such times. It can give you peace of mind and a backup plan for anything unexpected that may come your way in the new year.

WIN! Two lucky stokvel members stand a chance to win a copy of Stokvels How They Can Make Your Money Work For You. To stand a chance of winning, email your contact details as well as your stokvel group name to info@spotongmag.co.za

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ABOUT THE AUTHOR: Palesa Lengolo is a finance professional with 10 years’ experience in financial services in the fields of accounting, investments and banking. With qualifications in accounting science and financial information systems, she is a member of the South African Institute of Business Accountants. While she’s passionate about her corporate career, she is also committed to empowering people with investment and financial education via Palengo Holdings, an investments holding company.

Palesa has been featured on CNBC Africa, Metro FM, Moneyweb, Power987 FM, CliffCentral, DStv 157, Soweto TV and YFM.

ABOUT THE BOOK: The South African economy has a secret weapon: stokvels.

At present, around R49-billion is saved annually by more than 11-million South Africans in more than 800 000 stokvels. But how can you harness this collective power to achieve your savings goals?

This book simply and clearly explains basic financial principles and how to make sound financial decisions, and contains all the necessary information you need about stokvels, including how stokvels emerged and how they have evolved; how to set up a stokvel, and the admin, challenges and benefits involved in running one; the opportunities stokvels provide and how financial institutions, retailers, corporates and businesses that deal with them can leverage their buying power; and the future landscape of stokvels.

Whether you’re looking to fund your monthly groceries or have set your sights on buying property, joining a stokvel can help you achieve your goal quickly, without having to borrow money from the bank.

Appealing to readers who are already in a stokvel, those who want to be in one, and even those who never thought of joining one, this book explains how to use the power of a collective to save for a goal, make money on investments, and, ultimately, achieve financial security.

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STOKVEL BANKING

BANKING OPTIONS FOR

YOUR STOKVEL Reap the rewards of being banked

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one are the days when we hid our stokvel money under the mattress! Times have changed and more stokvel members are realising the importance of making use of banking products and options. There are many benefits, rewards and opportunities available to stokvel members when using products designed especially for stokvel needs. When members pay their money into a bank account, the entire group benefits because the higher the balance in the account, the higher the interest rate. If the money stays in the account and member contributions continue, the group benefits from compound interest, which ensures faster growth of the money in the account.

The benefits of banking include regular monthly statements which accurately reflect balances and interest earned. It is easier to keep track of all deposits and withdrawals in the account and the distribution of funds to members can be done directly into individual member accounts, which removes the risks associated with carrying large amounts of cash. Let’s take a look at 3 options designed for stokvel needs.

Bakgotsi Stokvel Account The Bakgotsi account is a special book-based account developed for groups such as clubs, stokvels and societies. The Bakgotsi account helps these groups reach their saving potential and keeps their money safe while it accumulates interest. The minimum opening deposit is R50 and as an example, a balance of R 5 000 in the Bakgotsi account earns 3.20% interest per year, which equals R160 per year (about .44 cents a day and about R13.33 a month). You must remember that the higher the balance in this account, the more interest you earn.

Balances of R30 000.01 and above earn 4.90% interest per year.

To open a Bakgotsi account a group must have a constitution or written declaration of goals. Three authorised signatories are required on the account, and two signatories must always be present when making withdrawals. This makes the Bakgotsi account safe, especially when money is withdrawn from the account.

Benefits of a Bakgotsi account: • Record all transactions with a savings book • There is no minimum or maximum balance • Choose how long you want to save for • No monthly management or service fees • Unlimited online withdrawals at the Post Office branch How to apply You can apply at your nearest Post Office. Do not forget to submit your constitution or set of rules upon application. In order to comply with the Financial Intelligence Centre Act (Fica) regulations, the identity of all the authorised signatories must be verified – so additional documents you need to have with you include identity documents and proof of residential address of all signatories.

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Nedbank Stokvel Account There are great benefits with the Nedbank Stokvel Account! You’ll get R10 000 burial cover for each member of your Stokvel for only R20 per member per month. (Stokvel members need to be between 18-65 years of age to qualify for the burial benefit.)

This can be used to cover any costs associated with the burial. And, Nedbank will arrange transport of the deceased person to anywhere in South Africa.

You’ll get up to 10% discount on groceries or school supplies when you shop at selected partner stores.

You’ll earn great interest rates for savings so that your stokvel money can grow even faster.

Each stokvel member can open a free Pay-as-you-use account on the Nedbank Money app and pay no monthly maintenance fees and there’s no limit on how many members can save together.

To open a Nedbank Stokvel Account you will need: A minimum of R100 and the following documents: • A valid South African identity card/ document or a valid passport with a valid permanent residence permit for each signatory.

• Proof of residence, such as a utility bill, rental lease or phone account with the names and physical addresses of each signatory.

• A copy of the stokvel’s constitution.

Proof of the stokvel’s address.

• A copy of the minutes of the meeting in which the decision was made to open a Nedbank Stokvel Account.

How to

apply To get started, simply dial *120*001*7865835#

For bulk-buying stokvel groups The Smart Shopper Stokvel Card One retailer catering to the growing needs of stokvels is Pick n Pay who launched the Smart Shopper Stokvel card in 2016, which caters specifically for stokvel groups saving for groceries. The card provides all the benefits of the Smart Shopper loyalty programme as well as additional grocery and product promotions.

General Manager for Money & Mobile Services at Pick n Pay, Papi Rapolai says one of the biggest benefits of the Smart Shopper Stokvel card is convenience and reduced cost for members.

Stokvel Smart Shoppers will receive free delivery for purchases over R30,000 within a 15km radius of its participating stores.

A Smart Shopper Stokvel Champion is also available to assist stokvel groups with queries and telephonic orders. They will also provide in-store assistance, particularly with regards to separating and packing orders, offering customers both improved convenience and value.

Another benefit for Smart Shopper Stokvel cardholders is that they can deposit the money directly to Pick n Pay to pay for their orders. This means that stokvel members never have to put their savings at risk by withdrawing - or carrying - large amounts of cash.

The retailer has also partnered with a reputable South African retail bank to offer stokvels a dedicated account with competitive interest rates on their savings.

Rapolai reports that while there are currently 63 Pick n Pay stores participating in the Smart Shopper Stokvel programme, the intention is to include all stores in future.

As part of its stokvel solution, Pick n Pay has also partnered with various wealth, health, and wellness providers to host annual Stokvel Community Indabas within communities across the country.

These events offer financial fitness, health and wellness classes, and include talks on community safety, drug awareness, and healthy eating. Stokvel groups that attend the indabas also stand the chance to win various prizes, such as a holiday to an exotic location for up for 20 members.

“While stokvels were originally established as a group savings vehicle they have developed a hugely social element. Members are generally very community minded and support and help each through tough times such as bereavements,” explains Rapolai. “In these uncertain economic times, stokvel savings are a guarantee that a family will be able to put food on the table and that their savings benefit from group discounts.

Pick n Pay’s Smart Shopper Stokvel card will keep enhancing its offering to develop responsible solutions that benefit stokvel groups.”

He adds that the retailer hopes to raise the bar in the industry and encourage its competitors to offer stokvels similarly good deals in the future.

To sign up for a Smart Shopper Stokvel card and to learn more about its benefits: Visit your nearest Pick n Pay Hypermarket or select supermarkets to sign up and activate your Stokvel Smart Shopper card in-store. Alternatively, SMS “STOKVEL” AND YOUR GROUP NAME to 45117 and Pick n Pay will call you back to get more information about participating stores nearest to you. (standard SMS rates apply).

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SPEKKO RICE COFFEE TEA BAGS COFFEE CREAMER SOUP POWDERS STOCK CUBES MEALIE MEAL SAMP SAGO CAKE FLOUR PASTA SUGAR PORRIDGE CUSTARD POWDER BAKING POWDER YEAST SALT PASTA SPICES JELLY EGGS CHUTNEY MAYONNAISE

TOMATO SAUCE CHAKALAKA KOO BEANS SOUP SOUP MIX PEAS ONIONS CARROTS POTATOES TOMATOES CANNED FRUIT PEANUT BUTTER MARGARINE JAM COOKING OIL MARINADE CORNED BEEF LENTILS TUNA MEAT GOLDI CHICKEN FISH LONG-LIFE MILK

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JUICE CONCENTRATE SALAD DRESSING VINEGAR TOMATO PASTE SNACKS AND SWEETS TOILET PAPER TOOTHPASTE BODY SOAP BODY LOTION JIK WASHING POWDER FABRIC SOFTENER DISHWASHING LIQUID SUNLIGHT SOAP MR MIN SURFACE CLEANER TILE CLEANER JEYES HANDY ANDY

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WIN AT

BULKBUYING

Make the planning process easier to ensure you get the best bulk deals - and savings too!

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t is that time of the year again when stokvels start preparing to buy their end-of-year groceries in bulk. From booking transport services to making sure that you get the bulk-buying deals that you need, there are a number of factors to deal with and careful planning must be done.

Before you choose your store or supplier, take the following factors into consideration: Choosing your store • Secure shopping environment Does the store offer a secure shopping environment with electronic funds transfer facilities which are safer than cash payments?

• Stock availability Does the store have enough stock and brands to meet your needs? It is wise to check well in advance if the store or supplier will have sufficient stock of the exact brands and products that you want. This will prevent unnecessary money being spent on brands and products that were not decided on within your stokvel group.

• Location Is the store in a convenient and safe location? Taking into consideration transport costs, is the store or supplier far from where your goods need to be delivered?

• Pre-orders and stock picking Is there a store assistant that helps with picking and checking your order?

Are you able to pre-order online or telephonically?

• Deliveries Does the store offer a delivery service or can it assist you with a reliable service provider? If the store doesn’t have that option, it is advisable to only book reputable transport services to deliver your groceries. Choose someone you know or who has assisted you in the past. The transport service provider must have contactable references.

• Extended hours Does the store offer extended hours for stokvel pre-orders?

• After-sales support What is the store procedures and rules regarding incorrect orders, damaged stock and payment disputes? Should something go wrong, is the store willing to assist in rectifying the problem?

Expiry dates Do not purchase and accept goods with expired dates or dates that will soon expire. It is best to check the expiry date on each item while you are at the store.

Even better, give the responsibility of checking expiry dates on each item to all members of the stokvel group who will be assisting at the store. This is a quicker way to check for not only expired goods but for damaged packaging as well.

Storage facilities at home Consider your storage facilities before buying groceries in bulk. Check the instructions on each product’s packaging for the proper storage requirements.

Poor storage will affect the product quality and it will not last as long as you had hoped. Proper storage will ensure freshness and keeps the nutritional value of the product. Incorrect storage of products may lead to an infestation of cockroaches and rats. Stock up on sealable storage containers and plastic wrap before your products arrive at home.

How much do I buy?

Know your consumer rights

It is important to sit down with all stokvel members and decide how much stock of each item will be purchased. Consider the family size of each stokvel member. Buying in bulk not only saves you money but also saves you time as the items purchased will last for a long time. Keep in mind the storage facilities that each member has as well as perishable items that will be bought in bulk.

Knowledge is power and if you are not satisfied with the service from a store, speak up immediately. You have a right to high-quality goods and services.

Suppliers are not allowed to vary the quality of a product or service in a discriminatory manner. All consumers should be treated equally, irrespective of gender, race, socio-economic status or their geographic locations.

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ALWAYS READ THE

FINE PRINT Paying attention to the terms and conditions of financial products is crucial for the success of your stokvel

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et’s recognise the power of the age-old African community savings mechanism: the stokvel. Stokvels have been the savings “engine room” for South African communities through apartheid and into democracy, and they remain very effective today, even within the context of the country’s troubling poverty.

R44-billion is saved by 820 000 stokvels in South Africa each year, and more than 11-million South Africans are currently members of stokvels.

In addition, according to the National Stokvel Association of South Africa, our “stokvel market is worth more than some of South Africa’s largest businesses”.

The vibrancy of stokvels is one of the reasons why most of the major financial brands have launched specific accounts and services to meet their needs.

Although the stokvel has traditionally been a cashbased community savings tool, today a whopping 41% are banked and use, at the very least, a transactional account.

“There are a lot of money management options for stokvel leaders to consider,” says Nkazi Sokhulu, co-founder and CEO at South Africa’s pioneering Credit Life Insurance brand, Yalu. “These range from opportunities to take advantage of the better interest rates paid by investment accounts to shopping discounts offered by bulk buying. There’s no question that with smart decision-making the group’s money can be made to work harder, but for this to be true there has to be a careful analysis of costs versus rewards.”

Sokhulu emphasises the importance of examining the fine print of any financial product for additional costs, including hidden monthly membership charges, along with additional line items buried in obscure terms and conditions text.

“This is the golden rule for all financial products,” he says. “You can win or lose a lot in the fine print – and if you have never even read this text or understood it, there’s a good chance your collective could be losing money.”

every month, and this money could contribute significantly to their overall savings efforts. Once people understand this, they are more likely to take the simple steps they need to in order to reduce their monthly commitments.”

Sokhulu explains that individual stokvel members might also be able to put away more money than they think. The key again lies in understanding fine print of financial products such as Credit Life Insurance, which members most likely pay for on their credit facilities.

The easiest step is to visit yalu.co.za/calculator, which offers a seamless online take-up process that allows consumers to consolidate their different Credit Life Insurance policies and save considerably on monthly payments in the process.

Users provide a few basic details and are then presented with a list of their different credit facilities, along with estimated monthly savings if they choose to switch their Credit Life Insurance to Yalu. A few more clicks and a process to cancel the existing policy is kick-started, with Yalu taking care of all the paperwork and administration.

“Because many consumers aren’t aware of the details of their Credit Life Insurance policies, they’re losing out on potential savings every month...” ~ Nkazi Sokhulu, co-founder and CEO at South Africa’s pioneering Credit Life Insurance brand, Yalu Yalu’s name has become synonymous with Credit Life Insurance, the least understood form of longterm insurance in the South African market. Credit Life Insurance covers borrowers’ debt in the case of retrenchment, disability or death. This type of insurance is sometimes mandatory and is generally offered by the same financial institution offering the loan. The premiums charged for such policies can vary, and as a result a lot of consumers find themselves unwittingly paying the maximum possible premium every month − creating room for savings if they were to choose a different provider.

“As always, information is crucial,” explains Sokhulu. “Because many consumers aren’t aware of the details of their Credit Life Insurance policies, they’re losing out on potential savings

“As most stokvel members are already aware, there are only two ways to improve your financial situation: spend less, or save more,” concludes Sokhulu. “In both areas, paying attention to all the details of financial products and services can have a big impact on the individual, and therefore the group. If as a broad South African society, we improve this skill, our stokvel heritage will grow stronger than it already is.”

About Yalu: The name “Yalu” is short for the Zulu term isiyalu - the source of a river. Yalu was born out of a passion to nourish and bring life to the world of credit life insurance. Our goal of delivering true value for money is evident in the transparency of our products, the simplicity of our process and the fairness of our pricing. Simply put, we believe in doing right by our customers. By making credit life insurance easy to understand, ensuring that you pay what is fair and rewarding you when you settle your loan, we are changing the face of credit life insurance for your benefit. The Yalu Credit Life Insurance Plan is underwritten by Old Mutual Alternative Risk Transfer Limited, a member of the Old Mutual Limited group.

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A big thank you for attending the 2019 Spotong Township Entrepreneurs Summit.

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