Sanlam Reality Club - Spring 2019/Summer2020

Spring 2019/Summer 2020

Start your own business Use this handy guide

ARE YOU CHEATING

on your partner financially?

Know your

RENTAL RIGHTS

#COUPLEGOALS

Mpho Reneilwe

win

One of 50 vouchers worth R200 each!

Turn to p.21

Getting real about kids, money, fame and more

Spend more time with family, and less money

Nu Metro

R30 R35

2D movie ticket

Medium popcorn and beverage

Computicket

Buy one ticket, get another free up to

R80

Use in your Sanlam Reality App

Visit www.sanlamreality.co.za/benefit/ entertainment. T&Cs apply.

Turn your to-do into done

Save time and money with access to a free PA service 24/7, 365 days a year.

• Make and share your to-do list with your PA. • Let your PA make bookings for movies, shows and more.

• Get quotes from your PA within 48 hours.

Use in your Sanlam Reality App

Visit www.sanlamreality.co.za/benefit/personal-assistant or call 0860 007 325. T&Cs apply.

Contents On the cover 4

MPHO & RENEILWE

win

One of 50 vouchers worth R200 each!

“We have to change the taboo of talking about money”

p.21

9 QUIZ

Are you financially cheating?

12 WANT TO START A BUSINESS?

Here’s your guide

16 ARE YOU A TENANT?

Know your rights

Why your mental health matters

22 CHANGE YOUR LIFE IN 60 MIN

Also inside

4 LIFE 8 ENTERTAINMENT 10 COLOURISM

18 HEALTH 18 HOW TO ASK FOR HELP

How to tackle this problematic issue

Find out how

24 CLUB 24 YOUR MEMBERSHIP

+ Get to know a member

18

What’s your life mantra?

“Seek happiness and your passion.”

EDITORIAL Editor Sarah Browning-de Villiers Content editor Dominique Bowen Email mag@sanlamreality.co.za Contributors Cebokazi Sotobe, Lisa Katz, Lynette Botha, Mpho Maboi, Palesa Kgasane, Reneilwe Letsholonyane, Tori Hoffmann PRODUCTION Head of production Nicky Scheepers Traffic manager Ashleigh Tremearne CREATIVE Art director Marisa Steyn

CAPE TOWN HEAD OFFICE Tel: 021 487 9100 Email: mag@sanlamreality.co.za 50 Harrington Street, Zonnebloem, Cape Town, 7925 PO Box 16258, Vlaeberg, Cape Town, 8001 SANLAM REALITY PROGRAMME Head of marketing and communication Francois Uys Communications manager Lucille Moore Communications coordinator Hasina Khan

“‘When you learn, teach.

When you get, give.’ – Maya Angelou.”

PUBLISHED BY NARRATIVE FOR SANLAM REALITY

“Put God first.”

Telephone 0860 007 325

Photography: Shutterstock, supplied

NARRATIVE Managing director Gareth McPherson Business unit director Lauren Brabant Chief content officer Sarah Browning-de Villiers Account director André Nieuwoudt

SANLAM REALITY CALL CENTRE Email info@sanlamreality.co.za Website www.sanlamreality.co.za

REAL FUTURES (PTY) LTD Real Futures is a wholly-owned Sanlam Ltd company managing the Sanlam Reality programme for the Sanlam Group.

Chairman Jan Steenkamp Directors Gary Allen, André Larisma, Theesan Moodley Company secretary Ulishia Baijnath

Sanlam Reality is the loyalty programme of the Sanlam Group and its strategic partners. The programme helps members to make the most of their money in a way that’s honest, meaningful and real. Sanlam Reality empowers its members to make responsible financial choices and enables them to live their best financial lives possible. All because Sanlam Reality believes that taking care of your money should be rewarding.

All content and pricing correct at time of print.

Printed by

A division of Novus Holdings

Published by Narrative. All rights reserved. No part of this publication may be reproduced, stored in a retrievable system or transmitted in any form or by any means, electronic, photocopying or otherwise without the prior written permission of the copyright owners, Narrative Media Group, Harrington Street, Cape Town, 7925. Printed by Novus Print. While reasonable precautions have been taken to ensure the accuracy of advice and information given to readers, the editor, proprietors (Real Futures (Pty) Ltd) and publishers cannot accept responsibility for any damages or inconvenience that may arise from incorrect information.

Printed on paper sourced from sustainable forests.

ON THE COVER: Photography: Niquita Bento; Creative direction: Marisa Steyn; Production: Nicky Scheepers; Hair: Mary Gouveia; Make-up: Manolia/Gorgeous2Go; Styling: Andrea Albertyn; RENEILWE WEARS: Jacket, Zara; pants, Markham; MPHO WEARS: Dress, Country Road; earrings, Woolworths

www.sanlamreality.co.za

Spring 2019/Summer 2020

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life

COVER STORY

S L A O G E L P U #CO 4

Spring 2019/Summer 2020

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She’s been on our airwaves and TV screens for years as a radio DJ and sports presenter; he’s been a soccer superstar for the likes of Kaizer Chiefs and – most recently – SuperSport United. Together they are a true power couple. Here, MPHO AND RENEILWE ‘YEYE’ LETSHOLONYANE get real about marriage, kids, money and more.

RENEILWE WEARS, LEFT PAGE: Jacket, Zara; RIGHT PAGE: Top, Champion at Sportscene; MPHO WEARS, LEFT PAGE: Dress, Country Road; earrings, Woolworths; RIGHT PAGE: Jersey, Foschini

“Getting fired was life-changing – in a good way” Mpho: “I was fired from YFM almost a decade ago. Apparently I played a song that I wasn’t supposed to. But honestly, I think a change was needed.

“It taught me to always listen to my spirit. When it tells you it’s time to end something that you keep holding on to, let go.

I should have left long before I was fired.”

“Being a woman in a man’s world is tough” Mpho: “As a sports broadcaster, I’m a woman in a man’s world. A guy can wear whatever they want and people listen to what he has to say because he’s speaking about sport.

When you’re female, you have to worry about what you’re wearing. How’s my hair? My make-up?

Is it too bright? Is it this?

Is it that?

“I’ve had guys tell me women shouldn’t be talking about sport. It’s www.sanlamreality.co.za

ridiculous. You just have to ignore them and focus on doing what you love.”

“Sport brings people together” Reneilwe: “I fell in love with soccer when I was 13. At the age of 15, I got the chance to play in a local tournament.

That’s where it all really started for me.

Sport has changed our life.

It brings people together.

It changes society.

“Sport has changed my life. It brings people together. It changes society. When a national team is playing, the whole country is watching. People can forget about not being employed for two hours of the week while they’re supporting their team.”

“Family makes the sacrifices worthwhile” Reneilwe: “I have two of my own businesses. One is a clothing line called 88 Apparel; another is ShaYe Lounge in partnership with my former teammate Siphiwe Tshabalala.

“It’s not easy. You make sacrifices. At the end of the day, my family motivates

me to keep working hard.

When I’m old, I want those businesses to still be going.”

“Our wedding was something else, hey!”

Mpho: “We met through friends. I’d already seen him around, and was not in the least bit interested because I was determined not to date a soccer player!”

Spring 2019/Summer 2020

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COVER STORY

Then our families were like, ‘No. You’re going to have a giant wedding.’ My mom and my dad invited every man and his dog!”

Reneilwe: “The same thing happened on my side of the family!”

Mpho: “It was beautiful in the end.”

“We have a very blended family”

Reneilwe: “I knew the voice before meeting her.

Every morning I’d listen to the radio station and hear this voice that I fell in love with.”

Mpho: “Eventually we met at a party at Teko Modise’s house in 2010.

We got chatting and the rest is history.

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Spring 2019/Summer 2020

“We broke up briefly in 2011 when I was pregnant with our son, and then got back together in 2014. We got married last year. Our wedding was something else, hey!”

Reneilwe: “It was a lot!”

Mpho: “In our heads we thought we’d have something nice and small.

Mpho: “People think blended families mean drama. But I’ve known Reneilwe’s daughter – she’s now 12 – since she was four. She calls me mommy.”

Reneilwe: “For a long time my daughter was staying with my mother. But our son, now seven, stayed with us. I wanted my kids to have the same life, to stay in the same home.

After we got married we moved everyone in together.”

Mpho: “It can be tricky as the parent who isn’t the biological parent.

You’re always trying to find an equal balance between your biological child and the child who isn’t your biological child.

You don’t want to show any favouritism; that balance is an everyday conscious thing.”

Reneilwe: “When it comes to my daughter, I strive to be perfect in her eyes so that whatever she sees in men out there, she looks for perfection as well. She must know her worth. www.sanlamreality.co.za

Text: Sarah Browning-de Villiers; photographer: Niquita Bento; creative director: Marisa Steyn; hair: Mary Gouveia; make-up: Manolia/Gorgeous2Go; stylist: Andrea Albertyn; producer: Nicky Scheepers; RENEILWE WEARS, LEFT PAGE: Shirt, Markham; RIGHT PAGE: Jacket, Nike at Edgars; MPHO WEARS, LEFT PAGE: Blouse, Country Road; earrings, Zara; RIGHT PAGE: Jersey, Mango at Edgars; earrings, Woolworths

life

“For both our kids, what’s important is that they can do what they are passionate about.

We give them the freedom to decide and explore as much as they can.”

“Open conversations about money are important for a strong relationship” Mpho: “We have a joint bank account where we put in money for household needs. We share the bills and things like that.

“We talk openly about how much we earn or what we’re spending money on. I think money is a difficult conversation – but it’s important for a strong relationship.”

Reneilwe: “We share financial responsibilities; we share everything as partners. At first, I found talking about money uncomfortable. I’m not used to talking openly about it. Most of us grow up with it as a sensitive topic.”

Mpho: “God forbid something happened to Reneilwe and I didn’t know a single thing about the life policy he has.

It’s a bit embarrassing, right? Is there a funeral policy? It’s important to talk honestly so that you do know.

“We have this culture of financial secrecy.

We have to change the taboo of talking about money to empower ourselves, especially in our relationships.” www.sanlamreality.co.za

We have to change the taboo of talking about money in order to empower ourselves.

life

ENTERTAINMENT

Let’s go to the movies!

Book tickets at Nu Metro for just R30 each – thanks to your Sanlam Reality membership.

2 / FROZEN II What happens when Queen Elsa embarks on a journey with Anna, Kristoff, Olaf and Sven to discover where her magic powers come from?

Watch and find out – the kids will love it!

Release date: 6 December

1/

PAY R30 FOR MOVIE TICKETS Our Nu Metro benefit is your ticket to discounted movies – just R30 for a 2D ticket and R35 for a medium refreshment combo. Book in the free Sanlam Reality App, or call 0860 00 7325.

2/

3/

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1 / CITY OF LIES Who shot Biggie?

This is the question that’s troubled LAPD detective Russell Poole for decades. Enter: Jack Jackson, a journalist determined to save his reputation and career. The two join forces, revealing the corruption and lies surrounding the 1997 death of The Notorious B.I.G. Release date: 1 November

Spring 2019/Summer 2020

3 / JUMANJI: THE NEXT LEVEL Following 2017’s Jumanji: Welcome to the Jungle, the story starts with Spencer disappearing back into Jumanji using pieces of the video game. Expect twists and turns as he finds himself in need of rescue…

Release date: 12 December

FUN THAT WON’T COST A FORTUNE Get 2-for-1 on tickets at Computicket, up to R80.

GET READY FOR KICK-OFF These ABSA Premiership League matches are at FNB Stadium (Gauteng).

Tickets start at R40.

8 January: Kaizer Chiefs vs Highlands Park 12 January: Kaizer Chiefs vs Cape Town City FC 21 January: Kaizer Chiefs vs Bidvest Wits TSHWANE SPIN FEST, GAUTENG Mahem Raceway Expect spinning, drifting and other stunts at this ‘motortainment’ event. Get ready for high-speed action!

Tickets: from R70 (adults pay R100) When: 30 November KEDEZEMBAR SUMMER PICNIC, EASTERN CAPE Willow Dam, Uitenhage Food stalls, live performances and kids’ activities….

This has all the makings of a fun day out for the family.

Tickets: from R70 When: 14 December

BUY ONE, GET ONE FREE You enjoy 2-for-1 on Computicket bookings (up to R80). Visit www.sanlamreality.co.za/benefit/ computicket or call 0860 00 7325 to make your discounted booking.

www.sanlamreality.co.za

Photography: Shutterstock, supplied

SEE THESE FOR ONLY R30!

QUIZ

life

Are you cheating on your partner financially?

Secrets can spell disaster. Take this quiz to see how honest you are with your partner about finances.

1. You see a statement for a credit card that you know nothing about.

You… A Accuse your partner of hiding

the account.

B Pretend you never saw it – you’d rather avoid an awkward confrontation.

C Suggest a coffee date with your partner so you can discuss it fully.

2. How often do you secretly use family savings for impulse buys?

A It’s a monthly occurrence – but my partner doesn’t seem to notice, so what’s the big deal?

B Occasionally – but it’s not something I do often.

C Never – not without discussing with my partner, first.

3. When it comes to the household income of you and your partner, do you know where it all goes?

Illustration: Shutterstock; Text: Dominique Bowen

A Beats me. The stuff seemingly disappears into thin air.

B Our cupboards are stocked and the lights stay on – that’s all that matters, right?

C I know where every cent goes. That’s what a household budget is for, after all.

4. You have major debt, and it’s causing you a lot of stress. You… A Keep quiet. Your partner will probably grill you about it.

B Let your partner know that you’re struggling, but don’t go into detail.

C Swallow your pride and explain the full situation to your partner.

5. You’d like to buy a car. Do you discuss the purchase with your partner beforehand?

A No, they aren’t the boss of me. It’s my money – I can do with it what I like.

B It’s not so much a discussion as an announcement. Ta-da! Look what I got!

C For sure. It may be my money, but it still impacts my partner.

6. Do you keep your salary a secret from your partner?

A Yes – I don’t trust them with that kind of information.

B They have a vague idea of what I earn and my various sources of income, but we don’t talk about it in detail.

C Yes, we’re open about both of our earnings so that we can plan with the full picture in mind.

MOSTLY Bs: You’re off to a solid start.

“Discuss the small stuff.

It’s usually the insignificant expenses that blow our budgets.… A pattern must be identified so that you can fix the spending behaviour,” says Gopee-Mothie.

MOSTLY Cs: Keep up the good habits!

Budgeting and open conversations are your best tools for financial security.

“Relationships are built on security,” says GopeeMothie. “Financial security is a big part of this foundation.”

*This quiz is not intended to replace the advice of an expert or professional counselling. For relationship counselling, visit famsa.org.za or call Families South Africa (FAMSA) on 011 975 7106/7.

www.sanlamreality.co.za

+ DRAW UP A LONG-TERM FINANCIAL PLAN Think about your goals with the help of a financial planner.

You and your partner should agree on your goals and plan. + ABOUT TO GET MARRIED? Seek advice from a financial planner on which kind of ante-nuptial contract (pre-nup or ANC) is best suited to you.

Answers*: MOSTLY As: “You need to trust that you will work together as a team to fix concerning matters,” says Jyoti Gopee-Mothie, a financial planner. If this isn’t the case, it may be worth seeing a relationship or family counsellor.

STEPS FOR 3COMPATIBILITY FINANCIAL

+ HONESTY IS THE BEST POLICY “If you feel insecure about your management of your personal finances, you tend to hold back information. This creates larger issues, putting pressure on the relationship,” says Gopee-Mothie.

SPEAK TO A FINANCIAL PLANNER An expert financial planner can help you form healthy financial habits in your relationship. Visit www.sanlamreality. co.za/contact-anadviser or call 0860 00 7325 to set up an appointment.

Spring 2019/Summer 2020

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life

COLOURISM

35% Of us use skin lighteners

It’s time to talk about

COLOURISM

According to the World Health Organization, 35% of South Africans use skin lighteners. It’s just one example of a much deeper, bigger issue that we need to tackle in our black, coloured and Indian communities: colourism. PALESA KGASANE unpacks what you need to know.

THE WORD ‘COLOURISM’ was first used in 1993 by writer and activist Alice Walker. She explained colourism as the preference of light skin over dark skin. It describes a particular prejudice that exists among people of colour. Colourism often goes unnoticed because it’s become our ‘normal’.

Think about the most famous black women in pop culture right now: Beyoncé, Tessa Thompson, Yara Shahidi… they all have one thing in common – they are light-skinned black women. They are what some may call ‘yellow bones’.

exists everywhere.

Take the lyrics to Rich Gang’s song, ‘Tapout’ (featuring Lil Wayne, Nicki Minaj and Future) – “Sweet yellow bone thing” – and even Beyoncé’s ‘Formation’ single – “I see it, I want it, I stunt, yellow-bone it”.

Colourism in your everyday world

Illustrations: Shutterstock

What is a ‘yellow bone’?

In South Africa, ‘yellow bone’ is a controversial slang term used to describe black women who are fair in complexion.

‘Yellow bones’ are typically considered more beautiful than darker women. Some may call it ‘light skin privilege’. That’s because Hollywood, Bollywood and more tend to prefer to portray lighter-skinned men and women of colour over darker-skinned Indian, coloured and black people as the ‘ideal beauty standard’.

How Hollywood and music aren’t helping In television, lighterskinned actors have been cast to play leading roles, which would have been better portrayed by their darker-skinned peers. It happened when Zoë Saldana played jazz musician and activist, Nina Simone; the actress’ skin was drastically darkened with make-up for her to play the role, and it was heavily criticised. Why didn’t Hollywood simply cast a darkskinned actress for the role instead?

Even in popular music, colourism

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Think about all of the things that do not cater to darkskinned people: nude underwear that’s never actually a dark enough shade of nude; foundation and other make-up that never truly offers a range of dark shades; even plasters designed to mimic skin colour… but only if you have fair skin.

Not just a black issue Colourism affects all people of colour. Local businesswoman, Sorisha Naidoo, admitted that she had lightened her skin due to criticism from some of the Indian community who disapproved of

her dark skin when she won Miss India South Africa in 2002.

She went as far as to endorse a skinlightening product in 2010, which some members of the public reported had changed their skin texture and burnt their skin. After that, she came out to the media about how the product had damaged her neck and face, causing burns and bruising.

inclusivity in beauty.

She introduced 40 foundation shades catering to darker skin tones. It had never been done before – and was about time!

For black, Indian and coloured communities in SA, addressing colourism means we all need to question our ideas of ‘perfection’ and ‘beauty’, and how we perceive

Skin lightening should never be something that anyone feels pressured to do.

In many black communities, too, resorting to dangerous measures to lighten skin via ‘bleaching’ is common. These creams are often not dermatologically tested, resulting in permanent skin damage.

Will there ever be progress?

Singer Rihanna, founder of Fenty Beauty, has changed the landscape of

ourselves and others. We should think twice before using the word ‘yellow bone’.

Skin lightening should never be something that anyone feels pressured to do.

As TV presenter Azania Mosaka says: “We must firmly resist beliefs that any one skin colour is better, because it damages our social structure and our self-image.”

You are enough, whatever skin you’re in.

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money

STARTING YOUR OWN BUSINESS

Steps to consider when starting your business Starting a business can be scary, but these five steps will help point you in the right direction.

1 / Finances

Estimate starting costs

In order to determine how much money you’ll need to start your business, you’ll need to list (and estimate the cost of) two types of costs: once-off costs and ongoing monthly expenses.

Once-off costs include things like signage, furniture and equipment, while ongoing monthly expenses include things like rent, utilities, internet access and salaries.

Once you’ve reached an estimation of how much money you’ll need, you’ll be able to draw up a business plan and look for funding.

Prioritise an emergency fund It’s important to put money aside for any unexpected expenses that may threaten your business.

According to Byron Jeacocks of Business Partners Limited – which offers mentorship and finances for new businesses

SPEAK TO A FINANCIAL PLANNER Get personalised advice on how best to set up your emergency fund by speaking to an expert financial planner. Call 0860 00 7325 or visit www.sanlamreality.co.za/contact-an-adviser to request an appointment.

www.sanlamreality.co.za

– establishing an emergency fund “has to be a conscious and disciplined effort.”

Decide what counts as an emergency.

“If your emergency fund can be dipped into every time you want to avoid an awkward phone call to the landlord to say that the rent will be slightly late, it won’t last long. A true emergency threatens the survival of your business,” says Jeacocks.

Create a personal budget Having a personal budget will help you plan your business budget and ensure that you do not take money (or at least, not too much money) from your business each month to pay your own bills. Ideally you should pay yourself a set salary from your business, and not dip into your business funds in any other way for your personal costs.

2 / Company registration

You can register your private or non-profit business with the Companies and Intellectual Property Commission (eservices. cipc.co.za). The cost of registration varies between R125 (for a private company) and R475 (for a non-profit company).

Requirements: • You need to be over the age of 18; • Have internet access; • Have a valid ID or passport; • Have an email address.

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money

STARTING YOUR OWN BUSINESS

3 / Tax

A private company is recognised in law as a separate entity, so it needs to be registered as a taxpayer through the South African Revenue Services (SARS; www.sars.gov.za).

You will need to register for tax within 60 days of starting your business by completing an IT77 form, available at any SARS branch or on the SARS website.

The amount of tax you pay depends on the nature of your business. There are many types of businesses, each with their own advantages and disadvantages.

You will need to register for tax within 60 days of starting your business.

Sole proprietorship, partnerships and private companies are just three examples.

Depending on how much money your business makes each year, and if you have staff on payroll, you many also need to register for other taxes, like: • VAT (value-added tax); • PAYE (pay-as-you-earn); • UIF (unemployment insurance fund).

Speak to a tax specialist to understand what your specific business’ tax requirements are.

4 / Insurance

Having business insurance means that your business will be protected if you are faced with unforeseen circumstances, like theft.

caused by an event that is covered in the policy. For example, if you are burgled and cannot sell product for a few months because you lost your stock, this type of insurance could pay out to help you cover the gap.

LIABILITY INSURANCE The most common type of policy under this category is public liability insurance. This covers a business owner for property damage or bodily injury suffered by a third party (like a customer) while they are on your premises (for example, they slip and fall in your shop).

What insurance should you consider?

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MATERIAL DAMAGE This covers buildings and their contents for losses caused by fires, natural disasters and other types of damage covered by the insurance policy. If you already have business premises – like a shop or office – then consider this.

PRODUCT LIABILITY This would be useful for manufacturers, distributors, suppliers, and retailers. It would cover injury or damage caused by the products you create, distribute or sell.

For example, if your hand cream causes an allergic reaction to a customer.

BUSINESS INTERRUPTION This type of insurance covers businesses for loss of revenue (income)

EMPLOYERS’ LIABILITY This covers your responsibility if any of your staff are injured at work.

Spring 2019/Summer 2020

www.sanlamreality.co.za

5 / Time to make money!

Text: Lisa Katz; Photography: Shutterstock

Use social media

Busi Gumede, a broadcast journalist and owner of women’s boutique Busi & Silk, says that her business is almost completely run on social media: “Although we have a showroom, 80% of our sales are done via social media.”

Post to Facebook, Instagram, Twitter – even WhatsApp! All of these places can help you build brand awareness and make sales. Use Facebook groups you’re already part of, and your personal pages and profiles to share your business’ news and products, too.

On social media, people follow you if you present more than just a product – it’s about a story.

creating a unique social media campaign: “I really went big on social media during the first week of opening. The story I told was based on the road that I have travelled as an entrepreneur who was born and raised in Alex.”

Tell a story that makes you stand out “On social media, people follow you if you present more than just a product – it’s about a story. You have to appear to be genuine to followers,” advises Gumede.

Determined to tell her story and differentiate herself from similar brands, Gumede opened her shop in her hometown of Alexandra, and spent her resources on www.sanlamreality.co.za

Educate yourself There are so many free video tutorials online. Don’t know how to run a promoted campaign on Facebook? Just type your question into Google to find video tutorials, articles and more. Ask friends, colleagues and family for help – they should be willing to openly share their knowledge.

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money

RENTAL RIGHTS

Your rights as a When you rent a place to live, what are your rights?

What makes you a ‘good’ tenant?

You need to commit to and keep up the requirements on your side of the rental agreement. For example, it’s important that you pay your rent on time each month, says rental legal expert Marlon Shevelew, director of property law firm Marlon Shevelew & Associates Inc: “You want to be ‘good’ in the eyes of the law. You don’t want to give your landlord an opportunity to cancel your lease, or to sue you.”

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What your rental contract should include You should understand the rental or lease agreement that you’re signing. Ask if you’re unsure before signing anything.

• The agreement should include the full names of you (the tenant) and your landlord.

• It should say how long your lease is for – which means, how long you can rent the property before the contract has to be renewed or renegotiated.

• It should state clearly where the property is that

Spring 2019/Summer 2020

you’re renting – the full residential address.

• Your rental agreement should also include exactly how much your monthly rental amount is each month, and who you should pay it to (with banking information).

• It should clearly state the full deposit amount payable upfront, if your landlord requires one.

• It should explain who is responsible for looking after what. Most agreements state that the landlord is responsible for maintaining the structure of the property and any fixed plumbing or electrics.

“If, however, you install your own air conditioner in the rented house, you will be responsible for maintaining it,” explains Marius Neethling from Santam.

You and your landlord should sign the agreement; get a copy for your records.

Did you pay your landlord a deposit?

“Your landlord must place your deposit (not usually more than two months’ rent, but the amount is not regulated by law) in an www.sanlamreality.co.za

interest-bearing account, and they may not touch it for the time of the lease agreement,” says Shevelew. That means that when you get your deposit returned to you, it should be paid back to you with interest.

Can your landlord deduct money from your deposit?

Yes – your landlord can use your deposit amount to pay any outstanding costs that you were responsible for paying.

This includes rent you may have failed to pay; outstanding accounts for water and electricity; and repairs to the property that were your fault.

“At the end of your lease, you have one important duty – to leave the property in the same condition you received it,” explains Shevelew.

Text: Tori Hoffmann; Photography: Shutterstock

Before you move in Make sure that you and your landlord agree to a detailed

inspection of the property.

This is to note down any damage or problems before you move in, so that the same issues cannot be deducted from your deposit when you move out.

Consider taking out tenant’s liability insurance, which would cover you for any damage to the building that your landlord can charge you for, suggests Neethling.

When you move out Do an outgoing inspection with your landlord; you should both agree to the final list. This will be compared with the inspection done before you moved in, to see if there is damage to the property, or missing things that you would be responsible to pay for.

If your landlord doesn’t conduct the outgoing inspection with you, it’s considered that the property was left in good condition and they’ll have to refund your full deposit within seven days of the end of your agreement.

USE YOUR BENEFIT Got legal questions? Use your Legal Assist benefit – you can call our helpline and get free legal assistance 24/7. Call 0860 732 548/9, or visit www.sanlamreality.co.za/benefit/legal-assist.

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GOOD TO KNOW

+ Your landlord may not increase your rent during the fixed-term period (the period of time stated in your contract that your agreement is for). + You have the right to cancel your lease early by giving your landlord 20 business days’ notice; you may have to pay a penalty fee. + Your landlord can only cancel your lease if they have already given you 20 business days’ notice to fix something you’ve done to break your contract (for example, not paid your rent on time) and you failed to fix the issue within the 20 days. + Your landlord cannot cut off your utilities and services due to non-payment. This can

only be done by the municipality. + If you don’t pay your rent, and your lease is cancelled, you become an unlawful occupant and can be evicted. You can’t be evicted or locked out of the property without a court order. + Landlords can inspect the property from time to time, but they must let you know in advance.

Unannounced inspections are not allowed. + Always report leaks, hazards or concerns to your landlord in writing (for example, via email) so that you have proof that you raised concerns in case something goes wrong. This could help protect you from being charged for the damage later on.

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health

MENTAL HEALTH

Your matters

Mental health issues are common and often very treatable. But for people to get the right help, we need to start talking openly about mental health.

By CEBOKAZI SOTOBE

IN MANY BLACK COMMUNITIES, mental health issues are still treated as a taboo. Conditions such as depression, bipolar disorder, and Attention Deficit Hyperactivity Disorder (ADHD) are often misunderstood. As a result, many go without diagnosis or treatment, despite the fact that there is effective treatment for all of these conditions.

What is mental health?

The World Health Organization (WHO) defines mental health as a state of wellbeing in which every person realises their own potential, can cope with the normal stresses of life, can work productively, and is able to make a contribution to their community.

In South Africa, as many as one in six people suffer from anxiety, depression or substance-use problems; this

for mental illnesses.

Three of the most common mental health illnesses are depression, bipolar disorder and Attention Deficit Hyperactivity Disorder (ADHD).

than usual. They may also feel worthless or guilty, and possibly even contemplate death or suicide.

Depression is treatable with therapy and, in some cases, medication (for example, antidepressants).

1 / Depression Depression is common, not just in South Africa, but across the world. It isn’t something temporary that you can ‘snap out of’.

People who experience

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depression often have a very low mood, lose interest in things they used to enjoy, may have changes in their appetite or trouble sleeping, and feel more tired

Bonnie Mbuli: depression.

Dwayne Johnson: depression.

2 / Bipolar disorder According to WHO, bipolar disorder affects around 60-million people worldwide.

It usually involves

According to WHO, bipolar disorder affects around 60-million people worldwide. is according to statistics released by the South African Depression and Anxiety Group (SADAG). SADAG claims that less than 16% of sufferers receive treatment

FAMOUS PEOPLE WHO ARE OPEN ABOUT THEIR MENTAL HEALTH

extreme mood swings: a period of emotional high (or mania) followed by a deep low.

Sivuyile Makhanya, a graphic designer in Bryanston, struggled

Jenifer Lewis: bipolar disorder.

Michael Jordan: ADHD.

Zendaya: anxiety.

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MENTAL HEALTH

with bipolar disorder for years, until he got treatment. “I taught myself about my symptoms,” he says.

“Once I’d learnt how to manage it, life started to become clearer. I am on medical treatment and I do not present those symptoms any longer.”

Treatment can include therapy, medication, family support groups, or periodic hospitalisation (as a last resort).

completing tasks that require focus.

Adult patients with ADHD who go untreated may experience higher rates of academic failure and job loss.

With diagnosis and the correct treatment, adults with ADHD can live successful lives. Medication and therapy are recommended as treatments.

Getting help saves lives 3 / Attention Deficit Hyperactivity Disorder (ADHD) ADHD does not only affect children; many adults have it too. Common complaints seen in adults include hyperactivity, and a degree of difficulty organising and

TV presenter and radio host, Azania Mosaka, says that she felt completely out of balance for many years.

“I was running two businesses, raising children as a single parent and multitasking all the time. I was working long days and never made time for self-

USE YOUR BENEFIT A healthy lifestyle helps your mental health. You get up to 60% off JustGym each month, and discount coupons every month to use on your grocery shop at Shoprite and Checkers – a great chance to buy healthy food!

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Spring 2019/Summer 2020

SHOULD YOU CONSIDER MEDICAL AID? Jeremy Yatt, principal officer at Fedhealth, has some tips: + Medical aid schemes provide cover for many mental health conditions, especially if they are included in the list of PMBs (prescribed minimum benefits – a list of health conditions all providers are legally required to cover). Ask your provider to find out exactly what would be covered on your medical aid plan, if you have one. + Be honest about the conditions you (or a family member) have when taking out medical aid. That way, the provider or broker can recommend the best option for you, as cover varies between providers and their various options.

ASK FOR HELP SADAG Mental Health Line: 011 234 4837 To find a support group in your area: 0800 21 22 23 Suicide Crisis Line: 0800 567 567

reflection. I was exhausted and living with a constant sense of anxiety.”

She realised she was deeply unhappy and decided to do something about it. “I started seeing a therapist. She helped me confront things I hadn’t addressed or knew I carried for many years.”

Her journey to healing continues every day. “I try to

leave the city as much as possible to hike and explore the country. ”

Start with honesty Psychiatrist Dr Ravi Govender says: “Effective treatment through therapy or medication is available, and most people respond well to it. The first

step is to talk to your doctor and be completely open about how you feel. There are still so many sufferers who feel alone, scared and misunderstood.

Increased awareness and a policy of educating the public about mental health issues will encourage more people to share their diagnosis and seek help.”

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Photography: Shutterstock

health

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win

1 Of 50 shopping vouchers worth R200 each Use the free Sanlam Reality App on your phone and you could win vouchers redeemable at Shoprite and Checkers!

HOW TO ENTER

Photography: Shutterstock

• Download the free Sanlam Reality App on your cell phone.

• Make a discounted Nu Metro movie booking in the Sanlam Reality App. Or, chat to your free Personal Assistant in the App. They’re there to help you tick off your to-do list.

Just use either of the two benefits in the App before 29 February 2020.

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Competition closes 29 February 2020. T&Cs apply.

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health

THE 5AM CLUB

This routine will change your health, wealth & more!

Business and life coach ROBIN SHARMA has transformed lives with The 5am Club.

Find out what it is – and how it could recharge not just your day, but your life, here.

How does it work?

Created by motivational master and elite performance expert Robin Sharma, the concept of The 5am Club is simple: wake up at 5am and follow the 20/20/20 formula: move (20 minutes of exercise); reflect (20 minutes of meditating and planning); and grow (20 minutes of study).

It’s not the actual practice that is difficult – it’s sticking to it, every day. Sharma, who developed this concept over 20 years ago, has seen many high-profile clients – including Richard Branson and Bill Clinton – reap the results. He encourages new users to commit

THE ROUTINE

5am-5.20am Move: 20 minutes of exercise.

What: intense exercise – you need to sweat.

Why: cleanses cortisol (a stress hormone), increases dopamine (a feel-good hormone) and serotonin (which helps stabilise mood).

Benefits: increased focus and productivity; reduced stress.

5.20am-5.40am Reflect: 20 minutes of meditation and planning.

What: journal, meditate, plan, pray or contemplate.

Why: boosts gratitude, awareness, happiness and wisdom.

Benefits: increased positivity, creativity and overall performance.

5.40am-6am Grow: 20 minutes of study.

What: review goals, read or listen to a podcast/audio book, or study.

Why: deepens knowledge, accelerates growth and confidence.

Benefits: inspires, drives personal growth and allows you to unlock skills and capabilities.

to 66 days initially: the time it takes to create a new habit.

being broken up by technology, meetings and other forces that can limit maximum productivity.”

This ‘Holy Hour’ will prep you for the day like nothing else. “It’s so easy to forget that you cannot do good

until you feel good.

Organisational leadership begins with self-leadership.

Getting up early to do your inner work, to sculpt your character,

Why 5am?

Text: Lynette Botha; Photogrpahy: Shutterstock

As Sharma writes in his book: “When you’re up early and all alone, away from the overstimulation and noise, your attention isn’t

to sharpen your life’s philosophy or to review your goals is not a waste of time,” says Sharma. “That Holy Hour infuses every remaining minute of your day

with a perspective that elevates each area of your life.

It’ll transform you.

Make you better as a leader. As a parent. As a human being.”

GREAT IDEA Sharma suggests starting by buying an alarm clock, because technology is distracting and should not be in the bedroom.

Set it 30 minutes fast and then set an alarm for 5.30am.

Fooling yourself into believing you’re getting up later actually has a positive effect when starting out.

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WIN! 1 OF 5 COPIES OF THE 5AM CLUB We’ve got five copies of Sharma’s book, The 5am Club, (normally R270, HarperCollins) to give away! Simply use any of your gym benefits between now and 31 December 2019 and you’ll be entered into the draw. T&Cs apply.

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club

GET REAL

MEET THE

MEMBER

Zukisa Mxesibe, 33, lives in Khayelitsha, Cape Town, with his family. He’s been a Sanlam Reality member for five years.

Make the most of your Reality Club membership These are all the benefits and discounts available for you to enjoy.

“Sanlam Reality surprised me”

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every time my team visits the Mother City, I go with my friend to represent.

All those savings allow us to use safe parking at the V&A Waterfront.”

Spring 2019/Summer 2020

Intercape Bus

Get 50% off; two tickets per year

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Buy one ticket, get one free (up to R80)

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Three times a year

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Use this benefit in your Sanlam Reality App. For more, call 0860 00 7325, visit www.sanlamreality.co.za or email info@sanlamreality.co.za. Benefit T&Cs apply. www.sanlamreality.co.za

Interview: Xxxxxx; Photography: Supplied, Shutterstock Photography: Shutterstock

“Most of us love to go out, but for many, our economic status quo doesn’t allow us to enjoy family time as much as we’d like. With Sanlam Reality, however, I’ve realised you can do more with little in your pocket.”

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