Sanlam Reality - Autumn 2020

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R AT A BR YCEELE

sanlamreality.co.za Autumn 2020

Is your beef burger killing our planet? debate

What does the 'smack ban' mean for parents?

wealth

10 Things fund managers wish you knew

travel

The places to visit before they disappear

wellness

How to get over a mother of a mistake

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SANLAM REALITY PROGRAMME Head of marketing and communication Francois Uys Communications manager Lucille Moore Communications coordinator Hasina Khan SANLAM REALITY CALL CENTRE Telephone 0860 732 548/9 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 Deputy company secretary Zuko Mgawuli

PUBLISHED BY NARRATIVE FOR SANLAM REALITY EDITORIAL Editor Sarah Browning-de Villiers Email mag@sanlamreality.co.za Content editor Dominique Bowen Contributors Andrea Burgener, Angelique Ruzicka, Christine van Deemter, Daniela Ellerbeck, Elsabé Brits, Emma Sadleir, Hitekani Mbatsana, Isabel Magaya, Katelyn Allegra, Liesl Jobson, Lynette Botha, Sydney Mbhele, Tracy Lynn Chemaly PRODUCTION Head of production Nicky Scheepers Traffic manager Ashleigh Tremearne CREATIVE Executive creative director PJ Eales Art director Marisa Steyn NARRATIVE, A DIVISION OF MACHINE_ Managing director Gareth McPherson Business unit director Lauren Brabant Chief content officer Sarah Browning-de Villiers Account director André Nieuwoudt Account manager Juwairiyyah Ismail Campaign manager Kelly Hendricks 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 All content and pricing correct at time of print.

Have you ever made a mistake so enormous that you thought nothing could ever save you?

You know the feeling: your heart stops, your stomach drops, you can taste the panic in your mouth. I’ve had quite a few of these experiences, and I know that I’ll have many more in my future.

Guess what, though? I’m fine!

And so are you. Mistakes are an integral part of who we are, and how we grow.

It’s worth remembering this when that feeling of panic hits again (because it will, and you’ll still be fine). Read about why mistakes are crucial to success, and how to recover from them, on p.18.

Another thing in desperate need of recovery? Our planet, whose health is under threat thanks to a ton of mistakes made by all of us over centuries. The man-made causes of climate change are perhaps the greatest failing of humankind; one we are all responsible for learning from and rectifying. The trouble is: where to start?

We’ve begun by trying to understand one part of the problem: the way we farm and eat; learn more on p.14. It is by no means the only issue we need to tackle, but it’s a good beginning.

Still need convincing?

Turn to p.52 to see the stunning vistas and habitats that have traditionally topped must-visit lists... and which may soon cease to exist, due to our impact on the planet.

I hope you love the new look we’ve given your magazine, and the insights we’ve packed into these pages to help you live your most rewarding life (which includes living in a way that rewards our planet).

As with almost any mistake, it is often in the healing that the most rewarding things happen. I hope this becomes true of our planet, and your 2020.

SARAH BROWNING-DE VILLIERS, editor

Our contributors HITEKANI MBATSANA

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.

Inspired by how travel takes us out of our comfort zone, travel writer Mbatsana tackles the uncomfortable truth about climate change and its impact on some of our planet’s most iconic destinations.

See more in the feature on page 52.

ANGELIQUE RUZICKA

A journalist and editor with 20 years’ experience, Ruzicka is passionate about financial education. For this issue, she interviewed fund managers to uncover what they wish you knew about your investments.

See more in the feature on page 38.

Photography: Kirsten Mackrill, Shutterstock, supplied

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.

editor's letter

autumn 2020 50 Travel

On the cover 6

14 18 38 52

DEBATE: What does the ‘smack ban’ mean for parents?

Is your BEEF BURGER killing the planet?

How to get over a MOTHER OF A MISTAKE 6 THINGS fund managers wish you knew The places to visit BEFORE THEY DISAPPEAR

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WIN 1 of 38 prizes worth

66

REAL WORLD Celebrating 10 years of Reality magazine

R26 000!

Solution for puzzle on p.59

AUTUMN 2020 SANLAMREALITY.CO.ZA

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Kick back before you take off

Enjoy free Bidvest Premier Lounge access with Wi-Fi, snacks and drinks.

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meet the members

USE YOUR BENEFITS

Meet the members FOR OVER 10 YEARS WE’VE BEEN SHARING REALITY MAGAZINE WITH YOU AS ONE OF YOUR BENEFITS. TO CELEBRATE, WE ASKED MEMBERS WHO’VE BEEN WITH US FOR A DECADE WHAT THEY LOVE MOST ABOUT THE PROGRAMME.

Reality Core

Photography: Shutterstock, supplied. Pricing correct at time of print.

John Govender, 52 from Isipingo Hills, KwaZulu-Natal “Reality magazine is one of the benefits I’ve loved most” “Definitely one of the highlights for me is the great financial tips I’ve picked up from reading the magazine throughout the past 10 years.”

“The R30 Nu Metro tickets are brilliant too” “The discounted movie tickets and refreshment combo deals mean that I get great savings on entertainment on a regular basis.”

“I’m loyal because I’m rewarded for being a member” “All the discounts I’ve enjoyed during the last decade have made it worth my while.”

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Reality Health

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Mannie Kambourakis, 60 from Umhlanga, KwaZulu-Natal “The programme has helped with savings on my premiums” “Over the past decade the savings I’ve received on my life insurance premiums through Sanlam Reality have been significant.

“The Personal Assistant benefit also does a lot of hunting for better prices and saves me plenty of time.”

“The health and entertainment benefits are also favourites” “My wife saves on her gym fees, and we both enjoy the discounted refreshment combos at Nu Metro cinemas!”

“The membership fees are lower than the big savings I get” “I’ve stayed loyal to the programme over the past 10 years because of these savings, including excellent discounts on Tempest Car Hire and various flights.”

“Reality magazine allows me to relax” “The light reading, imagery and great design have all made the magazine a joy to read.”

AUTUMN 2020 SANLAMREALITY.CO.ZA

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get real

the ‘smack ban’

The ‘smack ban’ Should anyone be allowed to tell you how to discipline your children?

IN LATE 2019, THE CONSTITUTIONAL COURT RULED THAT ‘REASONABLE AND MODERATE PARENTAL CHASTISEMENT’ OF CHILDREN IS UNCONSTITUTIONAL. WE ASK: SHOULD OUR COURTS BE INVOLVED IN PARENTING STYLES?

“The ‘spanking is always harmful’ narrative does not necessarily hold up under scrutiny” Reasonable and moderate chastisement may have been declared unconstitutional, but this defence has historically assisted parents against a charge of assault of their own children, provided, of course, that the discipline was both reasonable and moderate. It’s worth noting that abuse of or violence against children in any way has always been illegal – as it should be.

In a nutshell, the new ruling means that any form of physical discipline – whether on the hand or on the bottom, however light

The ruling is bad news for parental rights and religious freedom. It effectively says that the state knows better than parents how to raise their children and what is in the children’s best interest.

The judgment also says that the state can tell people how to read their religious texts, and how to live them out.

Don’t get me wrong – I am a firm believer in the rights of children and am strongly against any assault or abuse of power whatsoever. But we need to look

The ruling is bad news for parental rights and religious freedom. or well-intended – and even the threat thereof, is now a criminal offence, with criminal consequences for those involved.

While they may not necessarily be jailed, they could see their children removed and receive a criminal record.

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to history – and actual scientific findings – for decisions likes this.

Research generally conflates spanking with abuse. We should not be surprised, then, when these studies conclude that any form of physical discipline is bad

DANIELA ELLERBECK is a qualified Attorney of the High Court of South Africa and a parliamentary liaison. She is also a legal advisor and parliamentary liaison of FOR SA, a legal advocacy organisation working to promote the constitutional right to religious freedom in South Africa.

for children. Furthermore, the ‘spanking is always harmful’ narrative does not necessarily hold up under scrutiny. A case in point: Sweden versus Singapore’s rulings with regard to corporal punishment.

In Sweden, spanking has been illegal since 1979. Studies show that since this ruling, youths have displayed a shocking and increased propensity for violence – children hitting parents and child-on-child assaults increased by 25%.

On the other side of the scale, spanking is legal in Singapore. Here, youths excel academically. Despite population growth, crime continues to decrease. This is huge, considering Singapore has 12 times the population of Vancouver, but half of Vancouver’s crime rate. Food for thought?

“Children have a right to be protected from all forms of violence” In the judgement, the court emphasised that, based on South Africa’s history, a culture of authority that legitimates the use of violence is inconsistent with the values for which the Constitution stands. The court states that every child has his or her own dignity. This view of the court aligns with an earlier decision of the Constitutional Court written by Justice Albie Sachs in S v M (Centre for Child Law as Amicus Curiae) 2008, where he stated that: ‘A child is to be constitutionally imagined as an individual with a distinctive personality, and not merely as a miniature adult waiting to reach full size’.

Corporal punishment is a violation of children’s rights to dignity, physical

ISABEL MAGAYA is a legal researcher in the Research, Monitoring & Evaluation unit at the Centre for Child Law. Isabel is a doctoral candidate and her research focuses on the abolition of corporal punishment in Namibia, South Africa and Zimbabwe.

end – it is enough that it breaches fundamental rights.

A common fear in relation to the ban is that it will lead to increased prosecution of parents, and family separation; two key issues are important to remember here.

Firstly, the primary aim of the ban is to stop parents from using corporal punishment through supportive and educational, not punitive, interventions.

The aim is not to criminalise parents.

Secondly, the de minimis principle (the law does not concern itself with trivial matters) in the case of assault ensures that minor assaults are only prosecuted in exceptional circumstances. In this way, equal protection of children from assault,

Photography: Shutterstock, supplied

SA is the eighth country on the continent to do away with corporal punishment. integrity and equal protection under the law.

Children have a right to be protected from all forms of violence.

Government should be allowed to police how you discipline your children based on the fact that the rights of all South Africans, including children, are protected by the Constitution. Government is mandated to intervene whenever constitutional rights are violated. Intervention is justified given the high levels of violence against children in South Africa, especially at this time.

Research evidence suggests that corporal punishment has a range of negative consequences for children, including heightened levels of societal and interpersonal violence (you can read some of the research at endcorporalpunishment.org/ resources/useful-links). It is important to remember that abolition is primarily about children’s human rights. We seldom look for evidence of the effects of physical assault on women in the home to know that it must

including within the family, does not mean that all cases of corporal punishment on children should lead to prosecution – just as this would not happen in all cases of assault on adults.

Children’s dependence on their parents and the unique intimacy of family relations means that decisions to prosecute parents, or to formally intervene in the family, will and should be taken with very great care.

The Con Court also noted that prosecuting parents is unlikely to be in the child’s best interests, so each incident shall be dealt with on a case-by-case basis.

South Africa is not alone in this ruling – it is the eighth country on the continent to do away with corporal punishment in all settings, which says a lot.

What the law change really means

Explained by Lauren Kohn, a senior lecturer of Constitutional & Administrative Law at UCT; an Attorney of the High Court; and co-founder of SALegalAdvice.co.za.

Prior to this judgment, parents could administer mild chastisement of their children for corrective and or admonitory purposes without being exposed to the risk of criminal charges. While hitting a child has always been assault under the country’s criminal law, parents were previously ‘allowed’ to smack their offspring if it fell within the bounds of ‘reasonable chastisement’.

“In the past, through common law, parents were afforded a legal entitlement to discipline their own children, thereby conceding to them a unique independent authority in raising their children,” says Kohn, quoting from the judgment.

Basically, parents were granted the use of moderate force as a ‘means of corrective educational discipline’.

WHY DID THE COURT RULE AS IT DID? “Section 12(1)(c) is plain and explicit: freedom from all forms of violence from all sources is constitutionally mandated,” explains Kohn. “Violence is defined broadly, and essentially entails the mere exertion of some force – or the threat thereof – with the objective to cause displeasure, discomfort, fear or hurt.” The court also found that a ‘mere smack’ violates the right to dignity.

The best interests of the child are always paramount; in this case the court found that a positive parenting approach should rather be followed.

“Even a trifling pat on the bum may see a parent end up with a criminal conviction [possibly with mitigation of sentence],” says Kohn.

“Parents should heed this warning and adopt ‘positive parenting’ – after all, if a nosy neighbour catches you smacking your child, you could indeed end up with a criminal record for common assault.”

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Would you give birth with virtual reality?

“Open your heart and receive your baby’s love,” says the voice in your earphones as you stare through a headset at a school of dolphins swimming around you. You’re in the throes of labour but have opted out of an epidural in favour of virtual reality, immersing yourself in a make-believe paradise designed to keep you calm.

While some women are choosing jacuzzi baths and laughing gas over pain treatments when giving birth, others are embracing VR. A Psychology of Consciousness report states that adults using VR while experiencing discomfort report an average 82% reduction in pain.

But, without much scientific research backing its efficacy in labour, and with some critics saying the increase of cortisol from too much stimulation could inhibit the hormones the body needs to push labour along, it’s yet to be seen whether this will become our new birthing reality.

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wellness 14

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24

Is your beef burger killing the planet?

Recovering after a dire mistake

Find your ideal yoga style

Go green: the power of plants

your wellness benefits

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bites

Ways to hold on to summer

AS AUTUMN CREEPS IN, STAYING MOTIVATED IS TOUGH. HOLDING ON TO THAT SUMMER FEELING IS THE TRICK TO KEEP PRODUCTIVE, SAYS BLOEMFONTEIN COUNSELLING PSYCHOLOGIST DR REFILOE SEANE.

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VIBE IT. Create a playlist of summer-themed tunes. A US study* found that listening to music you love makes the brain release more dopamine, a crucial transmitter for emotional and cognitive functioning.

DRESS UP. Rather than slouching in your track pants, make an effort to express colourful, vibrant energy in how you dress. “Looking good energises you and boosts your self-esteem,” says Seane.

MOVE IT. Planet Fitness Sandton wellness manager Jean-Jacques Rousseau says keeping fit is easier than you imagine. He recommends finding creative ways to exercise indoors when it’s cold. “House chores keep your metabolism up without much heavy lifting,” he says. “Standing squats and push-up supersets are also an easy at-home exercise.

Do 10 reps of 20 of each, three to four times a day.”

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GO AWAY. Weekend getaways keep you rejuvenated, no matter the weather. Get away from your usual routine in a new place, for a natural mood enhancer, says Seane.

CLIMATE CHANGE IS AFFECTING YOUR HEALTH An article published in the South African Medical Journal shows that a changing climate is of great concern to our well-being. “The health impacts are both direct and indirect,” it states.

Anxiety, grief, depression and other mental illnesses are often the results of climatic conditions we feel we have no control over.

TAKE ACTION: Join an activism campaign. Playing an active role in climate issues will give you tools to move forward.

Bacteria growth is faster in higher temperatures, increasing food poisoning, while the weeds, fungus and insects stimulated by heat mean additional pesticide use.

TAKE ACTION: Know the sources of your food and choose organic where you can.

Respiratory functions are affected by air pollution.

The Global Burden of Disease Report (2015) states that seven million people die annually due to air pollution.

TAKE ACTION: Turn to p.24 to see the best plants to surround yourself with to improve air quality in the atmosphere.

EARN TIER POINTS Track your health via a Basic Medical Test at Dis-Chem or Clicks, and you’ll earn up to

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AUTUMN 2020 SANLAMREALITY.CO.ZA

Text: Tracy Lynn Chemaly; Photography: Shutterstock; Source: *Proceedings of the National Academy of Sciences of the United States of America

wellness

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C E EL A EB R R AT IO N

competition

WIN

1 of 38 prizes worth over

R26 000!

We have a bumper giveaway to celebrate 10 years of Reality magazine!

What you can win: • 1 of 3 Prokard gift cards for Protea Hotels

by Marriott® • 1 of 10 vouchers for three days’ Tempest Car Hire (Group B), including Super Cover and unlimited mileage • 1 of 2 return local flights with Mango airlines • 1 of 10 movie experiences for two at Nu Metro, including refreshments • 1 of 10 Uber vouchers

How to enter: Simply vote for your favourite Reality magazine cover ever – it’s easy! Go to sanlamreality.co.za/ reality-magazine-competition/ now and pick your favourite cover. That’s it – you’ll automatically be entered into our draw.

Competition closes 30 June 2020. Winners will be drawn at random and notified directly. Each prize has its own terms and conditions, voucher expiry dates and exclusions – view the full terms and conditions for this competition at sanlamreality.co.za/reality-magazine-competition/.

AUTUMN 2020 SANLAMREALITY.CO.ZA

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wellness

cover story

Is your beef burger killing the planet?

Meat is a major point of contention when it comes to climate change. But to what extent would cutting cows from your diet – whether dairy or meat – help save our planet? ANDREA BURGENER investigates.

ith cattle’s need for land and their higher methane output, the spotlight has fallen on beef and dairy as global problem foods when it comes to climate change. Farming, nature and the politics of climate change are complex, and are all vital points to consider before we pick a side in the cow debate.

When did we start blaming cows for climate change?

2006:

a UN report, Livestock’s Long Shadow, is released, claiming Livestock were responsible for

18%

of all global GHG (greenhouse gas) emissions.

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This put the sector at more than global transport.

But the authors admitted that they made some crucial life-cycle errors:

6-10%

The revised figure after the report’s authors admitted some errors.

Total agriculture comes in at around

14%

The figures vary between countries:

8-9% In South Africa,

of emissions are attributed to agriculture.

4% In the US

of emissions are attributed to livestock.

Lessened due to the leading role fossil fuel has on their emissions.

2/3

of this is from livestock.

AUTUMN 2020 SANLAMREALITY.CO.ZA

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wellness

cover story

Not all cows emit equally Yes, there really is a difference between grass-fed and grain-fed, and between free range versus battery farmed. Whether or not you can taste the difference, our planet feels the difference. Here are six factors to consider:

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Food type

Majority of feed for cattle comes from

industrially farmed crops,

which are by and large fossil-fuel fertiliser based, chemically assisted and destructive to biodiversity and soil.

So much depends on production methods, and many researchers and farmers believe that feedlot (grain-fed) cattle are the real issue.

Last half of the 20th century: Feedlot farming enters the picture, compared to cattle grazing the land they’ve lived on their entire lives.

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Waste management

Another big factor within the feedlot set-up is the

disposal of waste.

Waste from feedlot animals doesn’t form part of a natural cycle the way it does when they’re on grass.

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When in a concentrated area, this waste often becomes yet another emissions problem rather than automatically forming a positive part of natural cycles.

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When cows are raised on grass, their food obviously requires no transportation.

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Grain-fed (feedlot) generally supports fossil fuel-based, ultimately destructive, industrial agriculture.

95% of beef cattle in South Africa will be finished in feedlots.

Use of antibiotics

Cattle taken off their natural diet often require antibiotics in order to keep infection at bay.

Fossil fuels & pesticides

Pastures – unlike crops – aren’t treated with pesticides and (in general) have no need for fossil fuelbased fertilisers. Cows fertilise

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Up to 50% of topsoil carbon can be released during the tilling for one harvest of cattle feed.

Once harvested, this feed needs to be processed, stored and transported to the cattle. This all takes up arable land and uses fossil fuels.

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Water usage

On the whole, feedlot farming won’t be able to utilise as much ‘free’ water, in the form of rain on pasture, as grass-fed cattle farming can.

This forms a far bigger part of cattle’s water use than is generally realised.

TIP!

BE CAREFUL OF THE LABEL

pastures with their manure, so that ‘waste’ becomes an asset.

Through the combination of grazing, trampling and manure, cows encourage

biomass, water retention, soil health and carbon sequestration. This is not surprising: after all, grazers and grasslands developed together over millions of years.

Feedlot cattle start out on grass, and usually stay there for more than half their lifespan. The label ‘grass-fed’ beef doesn’t always mean ‘grass-fed-andfinished’ beef, which is what we should be eating.

FROM WORST TO BEST,

based on greenhouse gases created per 100g of protein:

How can you make your beef burger more ethical?

SUPPORT FARMS USING INDIGENOUS CATTLE BREEDS

Beef (beef herd)

Crustaceans (farmed)

More than

70%

of agricultural land is suitable for grazing but not for arable (crop) use.

Source: Poore and Nemecek, Science; Photography: Shutterstock

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Use of arable land & deforestation

Lamb and mutton

Beef (dairy herd)

Cheese

Pork

Clearing of land for cattle doesn’t just cause deforestation, it can also increase the risk of extinction of species who are losing their natural habitat.

Poultry

We don’t need to be clearing land, though: we have enough grassland available globally which is not suitable for crops.

Fish (farmed)

Growing feed for feedlot cattle also takes up arable land that could be used for human crops.

GO FOR GRASSFED BEEF Buying purely grassfed-and-finished dairy or beef is a great start.

If you can’t buy nonfeedlot products, try to support livestock whose feed is farmed using no-till, no-chemical methods.

ASK RETAILERS & RESTAURANTS ABOUT THE STORY BEHIND THEIR BEEF AND DAIRY

Areas of forest should never be

cleared for grazing or cropping, there’s no question about it. It’s one of the causes of last year’s fires in the Amazon: large areas were being cleared for livestock farming.

This assists in livestock farming being less energy and resource intensive, and in animals becoming drought resistant.

Eggs

Those who can tell you what their cows were fed and how far they’ve travelled are likely those who are sourcing their products more sustainably.

FIND ALTERNATIVES THAT ARE GENUINELY BETTER Swapping your steak for a protein source like almonds doesn’t necessarily help.

Feedlot-finished beef and almonds require pretty much the same amount of water per kilo.

Keep it local

The shorter the distance that your food has had to travel, the fewer fossil fuels that will have been used in the process.

When properly managed, on land that is best suited, cattle can play a valuable part in eco-agriculture.

The main thing to bear in mind is that the spectrum is wide and you need to be an informed consumer.

wellness

overcoming mistakes

u o y d l u o C fail your way to

? s s e c c su Few things will keep you up at night as much as listing all your mistakes dating back to 1983. But, asks CHRISTINE VAN DEEMTER, could failure actually be a gateway to success?

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magine that you’re part of a tiny start-up designing mobile games. Now, you develop and release dozens of games, each one failing more dismally than the last. You’re at the point of bankruptcy. How many mistakes can one company make? And then someone comes up with an idea for your 52nd game: what if we catapult

angry-looking birds at meanlooking pigs…?

That’s the story behind the popular game and movie Angry Birds – a tale of failure ultimately leading to near world domination.

While we all make mistakes, most of us are lucky enough not to feel the repercussions on a global scale, but that doesn’t mean failure doesn’t cut deep.

A quick scroll through Instagram and you’re bombarded by other people’s perfect rows of Mason jars filled with home-made organic muesli in their idyllic, spotless, shades-of-white homes.

Meanwhile, you last fluffed your couch cushions in 2013.

A constant quest for perfection has made us

What causes mistakes?

Author, educator and chess master Adam Robinson has identified seven reasons why smart people make mistakes: Being outside of your normal circle of competence Stress or fatigue Rushing Fixating on the outcome

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Information overload Groupthink, or being part of a group where social cohesion is seen as important Being in the presence of an ‘authority’

How to bounce back 1 / Own your failure.

2 / Apologise.

3 / Accept any consequences.

4 / Learn from it.

5 / Let it go.

3 How to craft a great apology 6 COMPONENTS OF AN APOLOGY According to a 2016 study* published in Negotiation and Conflict Management Research, there are six key components in an apology: 1 / Expression of regret.

2 / Explanation of what went wrong.

3 / Acknowledgement of responsibility.

4 / Declaration of repentance.

5 / Offer of repair.

6 / Request for forgiveness.

USE THE COMPONENTS TOGETHER The study showed that the more of these components an apology contained, the more credible and effective it was perceived to be.

Ways failure makes you a better person

1youFailure teaches how

Failure 2 makes you humble

Failure 3 builds resilience

When you fail, you force yourself to think better.

You have to figure out what went wrong, why it didn’t work out, and how you can avoid making the same mistake the next time.

By acknowledging and facing up to your mistakes, you have to deal with the fact that maybe you don’t know everything….

This builds character and teaches you to trust yourself and your decisions.

If everything in your life is easy and you never fail at anything, how will you know what you’re truly capable of?

Learning from your mistakes helps you grow a thicker skin and teaches you to bounce back from setbacks.

to succeed

IF YOU DO ONE THING… Act on your words. “Our concerns about apologies are that talk is cheap,” explained the study’s lead author Roy Lewicki. “But by saying, ‘I’ll fix what is wrong,’ you’re committing to take action to undo the damage.”

Famous flops SOMETIMES FAILURE CAN LEAD TO AN UNEXPECTED BREAKTHROUGH.

Photography: Shutterstock. Source: An Exploration of the Structure of Effective Apologies

BUBBLE WRAP scared of failure; making us feel as if everybody is watching and remembering every little mistake we make, every mispronunciation, missed deadline and lost opportunity.

“Striving for perfection can be a huge burden. It doesn’t equip you to deal with mistakes, problems or

a perfectionist will be extremely hard on themselves and ‘punish’ themselves through feelings of inadequacy and doubt.”

Yet moments of failure can be the most fertile for growth, both personally and professionally. “If you are the kind of person who fears

A constant quest for perfection has made us scared of failure.

The ubiquitous stress buster was initially intended to be… textured wallpaper. When that didn’t succeed, the inventors tried to pass it off as home insulation. Eventually, it was used by IBM as packaging, which is when the light bulb finally went off.

POST-IT NOTES Scientist Spencer Silver was trying to create a super-strong adhesive and instead ended up with one so weak you could peel it off any surface. Another epically named scientist, Art Fry, realised that this was just what the world needed when he used the flops as bookmarks.

MAUVE SYNTHETIC DYE constructive criticism,” says Jo’burg-based executive coach Dr Marlet Tromp. “You expect your work to be perfect, and feel defeated when there is even a tiny mistake. Rather than learning from it,

making a mistake, your fear can become a real problem. Mistakes can only be dealt with if they happen – in which case, the process should be seen as an opportunity to learn.”

While a young chemist named William Perkin was working on developing an artificial version of quinine in 1856, one of his experiments resulted in a purple solution. The vivid colour wouldn’t wash out and led to him developing one of the world’s first synthetic dyes.

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wellness

yoga for you

What’s your

yoga?

Restorative, vinyasa, SUP, HIIT…. With so many types of yoga to choose from, how do you pick?

Start with this quiz. By DOMINIQUE BOWEN

IF YOU’RE FEELING LETHARGIC

WHY YOGA?

Besides improving flexibility, regular practice has other physical benefits.

“Strength, control and balance are the lesser known ones,” says Steven Heyman, yoga instructor at Yoga Works. The mental benefits can include a sense of calm, vitality and presence. “One of the biggest changes I’ve enjoyed is that my yoga practice has taught me to keep calm in a challenging situation; in yoga this is a tough pose, but in real life it may be a long queue at Home Affairs, for example,” shares Heyman.

TRY

Vinyasa

This is a popular contemporary style. “It connects one posture to the next using the breath, linking or flowing from one pose to the next to make a dynamic sequence,” explains Leigh Bosch, co-owner at House of Yoga. Try it if you’d like variety in your practice, Heyman adds: “The teacher selects a different focus for every session, so no two classes are the same.”

IF YOU WANT TO PUSH YOURSELF PHYSICALLY TRY

Hot yoga

Prepare to feel the heat – the studio is warmed to at least 35°C before you move through a vinyasa practice. The environment is sure to warm those muscles, increasing flexibility and allowing your body to detox.

OR

Power yoga & HIIT yoga

IF YOU’RE STRESSED TRY

Restorative yoga

“If you need to shift deep-rooted stress and tension in the body, a more nurturing class such as restorative yoga may be beneficial,” says Bosch. It is characterised by long, deep stretches fully supported by props such as bolsters and blocks. “It lets you slow down and open your body through passive restorative stretching.”

“If you’re looking for a strenuous, active workout, power yoga will get you to work up a sweat and is excellent for body and strength conditioning,” says Heyman. It focuses on fat-burning and muscle-toning results, adds Brigitta Bouwer, director and instructor at Yoga Motive. For those after an intense cardio practice, combine High Intensity Interval Training (HIIT) with your practice. “HIIT yoga is a faster-paced practice whereby practitioners perform postures in a faster sequence of moves, designed to elevate the heart rate for a cardio workout,” she explains.

Yoga with a twist

Strike a pose at home

Have you heard of these variations?

GOAT & BUNNY YOGA

SAVE UP TO 60% ON MONTHLY FEES! CHILD’S POSE

“This is a wonderful pose to do first thing after waking up in the morning, and at any time you want to ground and calm yourself,” suggests Bosch.

DOWNWARD-FACING DOG

“This is a beneficial pose for people who work at a desk or drive around a lot,” says Heyman. “It strengthens the shoulders and core, and stretches the hamstrings and muscles around the chest.”

WARRIOR 1

Photography: Shutterstock

“This strengthens and stretches both the lower (thighs, calves and ankles) and upper body (arms, shoulders and back), while cultivating a sense of personal strength, power and grit,” explains Bosch.

Pose and save when you attend yoga classes at House of Yoga, Yoga Works and other studios in our Independent Gyms & Studios network. Get up to 60% off monthly fees using your health benefit. Find out more at sanlamreality.co. za/benefit/ independent-gymsand-studios.

Furry friends up the cute factor of a standard practice by wandering around – and sometimes even on – yogis. These classes have been likened to an animal therapy variation of yoga.

PREGNANCY YOGA

“This helps moms-to-be to connect to baby and the body, both physically and emotionally,” says Bosch, who offers these classes at House of Yoga. “It helps to prepare the mind and body for giving birth and recovering postpartum – relaxing, destressing, lengthening and opening up the body in a safe manner and without pushing.”

SUP YOGA

“These sessions are taught on a stand-up paddleboard (SUP) floating on the water, and introduce a whole other level of challenge to your balance!” says Heyman.

Yoga Works offers these sessions on Emmarentia Dam in Jo’burg.

A 2018 study published in the International Journal of Preventative Medicine found that yoga has an effective role in reducing stress, anxiety and depression.

A recent study by the University of Minnesota found that young adult yogis reported healthier eating behaviours and higher levels of physical activity than those who didn’t follow a yoga practice.

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wellness

independent gyms & studios

Save 60%

on monthly fees at yoga, boxing, Pilates & functional fitness gyms and studios!

Get up to 60% off your monthly fees at any independent gyms or studios without committing to 24 months. Our gym and studio partners offer month-to-month or 12-month contracts, which means more flexibility for you with zero commitment.

+

choose a month-to-month or annual contract, or 10-class pack

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CAN I JOIN AN INDEPENDENT GYM OR STUDIO IF I ALREADY HAVE A PLANET FITNESS OR VIRGIN ACTIVE GYM CONTRACT?

% Save up to 60% every month When you sign up to an independent gym or studio that is part of our benefit network, let them know that you’re a Sanlam Reality member.

They will then apply a discount to your monthly gym and studio fees – a saving of up to 60% off each month, depending on your membership option and how frequently you visit the gym or studio.

Get a month-to-month or 25% off a 10-class pack Thanks to your Independent Gyms & Studios benefit, you can get up to 60% off your monthto-month option, meaning zero commitment. Another way to use your discount? Buy a 10-class pack, which gives you access to 10 classes at your selected studio or gym at a fixed 25% discount.

Yes! You can sign up with any of our independent gyms or studios while keeping your current Virgin Active or Planet Fitness contract. You can also sign up for 10-class packs, which give you access to 10 classes (25% off!) at any of our independent gyms or studios.

START SAVING TODAY! Visit sanlamreality. co.za/benefit/ independent-gymsand-studios to learn more about your benefit. You can also find an independent gym or studio near you using the free Sanlam Reality App. Download the Sanlam Reality App

Find your nearest independent gym or studio Photography: Shutterstock

We’ve got over 200 independent gyms and studios in our network that you have access to!

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wellness

go green

Power up your day with

plants!

The benefits of plants go beyond pretty decor – the right greenery can do everything from boost your mood to cleaning your air and reducing fatigue. By LIESL JOBSON

A

ccording to professors Rachel and Stephen Kaplan, experts in ‘restorative environments’, office designs that include plants and vistas of nature lead to fewer headaches, less fatigue, reduced coughing, and increased creativity and productivity in the workplace.

Based on these and similar findings, hospitals and care facilities are restructuring their interior spaces and activities for patients, says Dr Esther Sternberg, a doctor and professor in medicine and psychology. Quicker recovery, improved mood and immune function are all significant benefits.

Mint

Mint is rich in rosmarinic acid, a great antioxidant with antibacterial and anti-inflammatory properties. Mint tea improves bad breath, eases gastric pain, and can help relieve a common cold and sinus congestion. Chewing fresh leaves can help toothache, too.

Dr Rajinder Singh, from the University of Benghazi’s Department of Pharmacognosy, identified mint as an excellent “scavenger of free radicals”. This means it can prevent or remove reactive oxygen species before they can damage cells.

TIP

Harvest flowers and young leaves early in the day.

As the temperature rises, leaves and flowers taste more pungent. Add flowers to salads, sandwiches and to garnish pasta. Leaves make a tasty pesto sauce.

Nasturtium

GOOD FOR: REDUCING HEALTH RISKS These edible bright yellow, orange and red flowers are an excellent source of vitamins A, D and C. They contain phytochemicals that mitigate cancer and carotenoids, which promote healthy eyes. The red flowers contain lycopene, which promotes cardiovascular health.

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Gym

ANOTHER WAY TO BOOST YOUR MOOD? Enjoy a host of gym discounts to help amp up your health and happiness!

Get up to 80% off your monthly fees at Planet Fitness and up to 60% off your monthly fees at JustGym. Find out more at sanlamreality.co.za/ benefits/health.

Photography: Shutterstock

GOOD FOR: EASING ACHES AND PAINS

Spider plant

GOOD FOR: PURIFYING AIR Not only is this plant (almost) impossible to kill and thrives in pots – making it great for small, indoor spaces or your office desk – it’s fantastic for purifying air, too. According to a NASA Clean Air study, the spider plant is one of the most effective at removing carbon monoxide, formaldehyde, xylene and toluene from air.

Rosemary Bulbinella

GOOD FOR: SOOTHING SKIN Bulbinella offers first aid for sore skin, warts, rashes, insect stings, cuts, boils, pimples, cold sores and eczema. Crush the leaves and smear the gel-like sap onto the affected area as often as needed.

GOOD FOR: BOOSTING PERFORMANCE Research published in Therapeutic Advances in Psychopharmacology revealed that the aroma of rosemary can help improve concentration, accuracy, speed and performance. Place a pot plant in your immediate environment, or burn rosemary essential oil for a more concentrated effect.

Lavender

GOOD FOR: EASING ANXIETY Dr Michael J. Breus, a clinical psychologist and diplomate of the American Board of Sleep Medicine and a fellow of the American Academy of Sleep Medicine, says that lavender interacts with the neurotransmitter GABA to quieten the brain and nervous system, reducing agitation, anger, aggression and restlessness.

Snake plant

GOOD FOR: INCREASING PRODUCTIVITY Thanks to its ability to thrive with minimal watering and low light, the snake plant is ideal for office spaces. Even better: it’s one of the few plants that can convert carbon dioxide into oxygen at night. Increased carbon dioxide intake is linked to reduced cognitive skills and productivity.

Sand:

the final frontier?

Sand by numbers:

130km2 How much Singapore, the world’s largest importer of sand, has added to its land area by dumping sand into the ocean.

30%

The average percentage of sand in any concrete mixture.

15 000 tons How much sand is needed to build a 1.5 kilometre section of highway.

800 million tons

How much sand could be saved by replacing 10% of sand in concrete with ground plastic particles.

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Sand could be the next big thing on the global market. Since sand is a critical part of concrete, the ever-increasing boom in development across the globe is leading to its scarcity.

Desert sand grains are too round for most purposes (due to wind erosion), which is why construction sand is mostly dredged from riverbeds and coastlines. This has a monumental impact on the environment, including damaging coral reefs, endangering local wildlife and causing coastal erosion.

There are innovative solutions in the pipeline, including recycling concrete, crushing rocks and shredding waste plastic.

wealth 30

32

34

38

40

Why your personal brand is important

All you need to know about offshore tax

(Social media) life after death

The inside track from fund managers

CBD is creating high-flying businesses

your wealth benefits

Up to 30% off Sanlam Premier risk products Up to 20% cash-back reward with Sanlam Personal Loans Sanlam Gap Cover: extra cover for your hospital stay

Free online tax help and easy returns with TaxTim

Be financially fit with Wealth Sense Go to sanlamreality.co.za/ benefits/wealth to view your specific benefits, tier status and discount percentage.

wealth

bites

Does Twitter have the power to move markets?

3

THINGS TO KNOW ABOUT FINANCIAL TWITTER

1 / #FinTwit is a useful tool Searching #FinTwit tweets (the short, hashtag form of financial Twitter) will lead you to a wealth of knowledge.

2 / Be selective about who you follow Writer for financial media company, Trade Risk, Evan Medeiros, suggests

28

82% of respondents said they were more likely to trust a company whose CEO is on Twitter. A CEO who’s brilliant on Twitter will help build connections, boost the brand and manage PR.

in his 2018 article ‘How to Make FinTwit Work for you & Suggested Traders to Follow’ that you “follow wide but listen narrow” and that you “build lists and add related accounts together so you can effectively zoom into your stream when you’re searching for specific conversations or ideas”.

AUTUMN 2020 SANLAMREALITY.CO.ZA

3 / Be the first to know… but do fact-check News often breaks on Twitter before being reported by agencies and trusted media sites.

This instantaneous information often allows astute traders to make money before the rest of the market catches wind.

Just be careful to do a quick fact-check – as quickly as real news breaks on Twitter, so does fake news.

WHO TO FOLLOW – START HERE… Big-brand CEOs: Apple: @tim_cook Virgin: @richardbranson Twitter: @jack Forbes: @SteveForbesCEO Google: @sundarpichai Spotify: @eldsjal

Closer to home: Sanlam: @Sanlam Sanlam Investments: @SanlamInvest FA News: @FAnews_online FinWeek: @finweek Warren Ingram: @WarrenIngram Maya Fisher-French: @mayaonmoney Garth Mackenzie: @TradersCorner Simon Brown: @SimonPB Karin Richards: @Richards_Karin Nerina Visser: @Nerina_Visser

Text: Christine van Deemter, Lynette Botha; Photography: Shutterstock, supplied

If your name is Elon Musk, the answer is yes. The Tesla boss’s tweets have sent his stocks rocketing in both directions with a simple 140-character statement, ranging from personal insults against one of the Thai cave rescuers to tweeting “Am considering taking Tesla private at $420. Funding secured”, which sent stock prices skywards.

Two weeks later, he backtracked – again on Twitter – leading to shareholder lawsuits and investigations.

But is a CEO on Twitter all bad? Not if they use it wisely.

A Brandfrog study revealed that

Get cash-back when you borrow

We’ll reward you for responsible credit management.

Sanlam Reality members get up to

20%

cash-back on Sanlam Personal Loans.

For more information, go to sanlamreality.co.za/benefit/ sanlam-personal-loans. T&Cs apply.

wealth

build brand you

What’s your (personal) brand strategy?

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AUTUMN 2020 SANLAMREALITY.CO.ZA

Sanlam’s chief executive of brand, SYDNEY MBHELE, shares his tips on personal branding, leadership and the importance of authenticity.

1

First impressions count

At some point in your life you’ve no doubt been told: first impressions count. And it’s true, they do. Personal branding is that and more. It’s a consistent representation of certain behaviour, performance and attitude. It’s how you portray yourself to – and are perceived by – your peers, especially in a professional capacity.

It is an image people attach to you.

It is also about your reputation: the network of people you’ve built who can recommend you and vouch for what you do. Often someone’s first

rely on you for – these qualities are your USP. While it’s always important to be mindful of your blind spots and to continuously work on these, don’t be afraid to own your areas of strength and unique talents.

These will set you apart.

3

Don’t try to craft a brand that’s not you – it’ll show

Authenticity is the core driver of your personal brand. Don’t seek to be something that you’re not and don’t try to imitate – being authentic

Looking forward: how Sanlam’s brand is evolving Sanlam as a brand is very future-oriented. One of our recent campaigns depicted this. We’re trying to highlight that there’s never been a better time to be an investor.

We want to show that we are positive about the country and this new decade.

We’ve always maintained deep-seated trust through turbulent economic and political times and we plan to continue this legacy, while simultaneously innovating and building anew.

Leadership is an important trait in business, and how you lead will define your personal brand.

Photography: Shutterstock, supplied

impression of you is made before you’ve even met, based on what they’ve heard about you. Consider the power of your reputation, network and relationships and how this impacts the idea of you that someone may form long before they clap eyes on you.

2

Know your USP (unique selling point)

Our differences make us unique.

Our particular skills and areas of interest and expertise set us apart and define our personal brands.

Take time to reflect and understand what you’re good at, what you bring to the table and what people can

and true to yourself is what will distinguish you. Everything else about your personal brand – your digital profiles and posts, your reputation, your network – should follow organically from this and reflect your authentic personality and skills.

4

Be intentional when you lead

Leadership is an important trait in business, and how you lead will define your personal brand in a significant way. So be intentional about what you are striving for; stand for something.

Every moment is a leadership moment: you have the ability

to impact someone’s life every time you interact with them.

For example, I recently interviewed someone for a job who had a real hunger for the position. He wasn’t right for the role, but instead of getting HR to call him to say that his application was unsuccessful, I called him personally. I wanted to tell him how talented he is, that his interview went well but that unfortunately there are some areas in which he still needs to develop.

To me, that is responsible leadership – leading for good.

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wealth

offshore tax

Got interests

offshore?

Read this!

If you have financial concerns overseas, make sure you have all your tax ducks in a row.

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If you: Own equity in overseas businesses You should know: Income from a share of 50% or more is fully taxable

Text: Christine van Deemter; Photography: Shutterstock

If you: Work abroad You should know: The new tax exemption laws Perhaps you’re a contracted worker for an oil and gas company, or maybe you’re earning a few tax-free dirhams in Dubai before returning home. Before 1 March 2020, South African tax residents who work more than 183 days in a 12-month period overseas (of which 60 are continuous) were exempt from paying income tax.

But from 1 March 2020, this exemption only applies to the first R1 million of employment income, says Marc Sevitz, co-founder of TaxTim. “Often, taxpayers are sent on secondment by their employers or go work overseas for a few years on contract. Taxpayers in this situation should ensure that their employers make use of the correct foreign income source codes on their IRP5s and keep records of when they were in and out of South Africa.”

If you: Have investments offshore You should know: All interest from foreign investment is fully taxable There are many compelling reasons for investing overseas, including diversifying your portfolio, reducing risk, and investing in global blue-chip companies. Offshore investments result in income, such as interest or dividends being earned. Unlike local interest, says Sevitz, there is no exemption threshold, so all interest from foreign investments is fully taxable.

“Most foreign dividends are taxable, subject to exceptions, but the maximum they are taxed at is 20%. This is to keep the tax in line with South African dividends withholding tax.”

“Taxpayers should be very careful in setting up businesses overseas. Unless they are being managed and running actual operations in another country, SARS may take a dim view of this practice,” Sevitz cautions.

This is especially key if your investment is substantial.

“Owning shares in businesses overseas, when not just a small investment, can result in the income of that business being fully taxed in South Africa.

If South African tax residents hold more than 50% of a company registered overseas, and they run that company from here, then all the profits (and some expenses are denied) are taxed as if that company was registered in South Africa.”

GET EXPERT TAX HELP Use your TaxTim benefit – worth R599 – to get expert online help with your tax returns. Visit sanlamreality.co.za/ benefit/taxtim for more.

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wealth

your digital legacy

What happens to you digitally when you die?

From your Facebook profile to your online banking details, what becomes of your digital legacy after you’ve passed? By EMMA SADLEIR

The Golden Rule According to Sadleir, the golden rule when it comes to digital content (both when you’re alive and when you’re six feet under) is the ‘Billboard Test’. If you wouldn’t want the content on a giant billboard with your name and surname and place of work, don’t put it on social media and don’t let it exist in a digital format.

For example, would you want your family browsing through your very private photos on your photo stream?

This test is certainly necessary to apply when thinking about who you want to access your digital assets.

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EMMA SADLEIR is South Africa’s leading expert on social media law, and founder of The Digital Law Company.

F

or most of us, our digital presence is what people look at to get a better understanding of who we are. Managing this data is important, not only during our lives, but also when we pass away. But what actually happens to our digital presence and social media profiles when we die?

Here are some things to consider...

Social media accounts Each social networking platform treats the death of an account holder slightly differently. We’ve listed some of the main ones below:

Twitter If you die, Twitter will work with a person authorised to act on behalf of your estate, or with one of your verified immediate family members, to have your account deactivated. You can also request that the account is permanently removed. Twitter will not hand over the access details of the deceased’s account to anyone.

What do you do if someone has passed away and their social media accounts are still active?

FACEBOOK and INSTAGRAM make provision for someone to report a death by submitting a photo of an obituary, death certificate, memorial card or similar documentation confirming that the person has passed away, after which the account will be memorialised.

For TWITTER, only a family member can report the death of an account holder, after which the account will be deactivated.

How do you future-proof your digital presence?

Facebook As soon as Facebook is made aware that you have passed away, your account will be memorialised.

You can choose to either appoint a legacy contact to look after your memorialised account or to have the account permanently deleted from Facebook.

If you don’t choose to have your account permanently deleted, it will be memorialised as soon as Facebook is aware of the death. A memorialised

Do you want everything deleted or to remain ‘live’ forever? account allows friends and family to post memories of the deceased on the timeline but won’t appear in public spaces such as friend suggestions or birthday reminders.

Memorialised accounts that don’t have a legacy contact can’t be changed.

Instagram Instagram also memorialises accounts as soon as it is made aware of a death, but these accounts can’t be changed and no one can log into the profile. Posts of the deceased user will stay on the site and are visible to the people they were shared with, but memorialised accounts do not appear in public spaces, like searches.

An increasing number of financial and estate planners are encouraging clients to include important information relating to their online accounts in their estate planning. Here are some things you can do to futureproof your online accounts in the event of your death: Make a list of your digital assets and online accounts, including every website on which you have an online presence.

This includes social media accounts, email accounts, photo storage and sharing sites, videogaming accounts, websites or blogs that you manage and domain names you may own.

Make a record of the usernames and passwords to each account, including answers to any security questions.

Decide what it is that you want to happen with your accounts. For example, do you want everything deleted or to remain ‘live’ forever? Do you really want family reading personal emails or accessing other personal information? Leave specific instructions with a person you trust about how you’d like your accounts to be managed.

Appoint a ‘digital executor’ – someone you trust to wind up your digital estate.

Store this information in a secure but accessible place such as with an attorney; your estate executor; in a safe online storage facility; in a new email account to which only your digital executor has the password; or in a locked filing cabinet.

Consider including reference to your ‘digital executor’ in your will.

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wealth

your digital legacy

What about your phone?

Gone are the days of printing out photos and placing them in albums, or inheriting a shoebox of photographs when a family member dies. In the digital age, probably the most valuable asset on so many people’s phones is the mass of photos stored on these devices.

If someone is not diligent about uploading photos to online storage sites or social media, or backing them up to the cloud, then all these special memories could be lost when you die.

Your phone password and any data that is on your phone, should be covered in your list of digital assets. If not, your phone will simply switch off when the battery dies along with your memories.

Email accounts Not all email accounts have the same protocols after death. Some companies, like Google and Microsoft, outline their policies really well. Apple’s iCloud doesn’t do as good a job.

Gmail allows a friend or relative to apply for the account of a deceased user and then either: submit a request for funds from a deceased user’s account (such as funds remaining in Adsense or Google wallet); obtain data from a deceased user’s account; or close the account.

Probably the most valuable asset on many people’s phones is the mass of photos.

NEED HELP PLANNING FOR YOUR FUTURE? Speak to a financial planner to ensure you’ve got the right planning in place.

You’ll also earn 8 000 tier points for meeting with them – call 0860 732 548/9 or visit sanlamreality. co.za/contact-anadviser for more.

Users also have the option of setting up an Inactive Account Manager, which either deletes or shares your account with a specifically appointed contact after a set period of inactivity.

Online banking Most bank accounts are frozen when the bank is notified of the death of the account holder, so even if someone has your login details, it’s unlikely that these would be of much value after your death. A bank is not allowed to give access to an account to anyone – including a spouse or family member of the deceased – until the executor has taken control of the account.

It’s not a bad idea to make use of an online password tracker to make sure that all of your passwords are kept in one place and are up to date. Dashlane is a highly rated password tracker. It has an ‘emergency’ feature that allows you to share all or some of your passwords with one or more contacts.

The way this works is that you set a specific ‘waiting period’ after the emergency contact requests access.

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Photography: Shutterstock, supplied

Should you use an online password tracker?

Save today, protect your tomorrow

Sanlam Reality members enjoy up to

30%

off Sanlam risk products, meaning you save big today while making wise decisions for tomorrow.

For more information, go to sanlamreality.co.za/benefit/ sanlam-life-cover. T&Cs apply.

wealth

expert insight

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AUTUMN 2020 SANLAMREALITY.CO.ZA

Things fund managers wish you knew

Those in the know explain the intrinsics of investing and share the right questions to ask your financial planner.

By ANGELIQUE RUZICKA

I

t can be difficult to get your head around financial products, as there are so many options. For example, there are over 1 000 unit trusts to invest in from a variety of sectors and asset classes – everything from global funds to property and fixed income funds.

While it’s easy to speak to a financial planner and gain insight into their investment recommendations, the same kind of access can’t be extended to fund managers – the people behind the scenes making the decisions with your money.

We spoke to a few fund managers from Sanlam to find out what they wish you knew about investing.

1

Do you know the fund manager’s mandate and why the fund was chosen?

Fund managers get given an investment mandate, and Gielie de Swardt, head of distribution in the retail business of Sanlam, believes it’s crucial that investors educate themselves on it.

“You should ask your financial planner what the fund manager is trying to achieve. Ask: ‘What can they invest in and what are the restrictions?’”

Shawn Phillips of Sanlam’s Glacier adds: “Ask your planner why they chose the asset manager and fund. Was it because of the performance of the fund or because the financial planner liked the manager’s investment philosophy?”

Photography: Shutterstock

2

How is the fund manager measuring success?

Fund managers typically measure themselves against the performance of an index (stock exchange) or against their peers.

De Swardt says investors must ask after the benchmark, the team dynamic and track record. “Find out their level of experience and how decisions are being made.

The value of a group decision is that there are many debating the options rather than just one manager waking up one morning and choosing specific stock.”

6

3

What kind of access do you have to your money?

Different types of investment vehicles allow different kinds of access.

De Swardt points out that with an endowment, for example, you’d only get access to the money at maturity, whereas a unit trust may give you access immediately. Policies like endowments may be good for you if you tend to dip into savings for frivolous reasons. But they’re not a good choice if you need money in an emergency.

4

Are you aware of the costs involved?

De Swardt says that costs should be a driver in your decision making, but not the only one.

“Ask your planner to show you a comparison to what other fund managers operating in the same sector and fund type are charging. Also bear in mind that some of them do charge performance fees if they outperform,” he says.

5

Don’t judge them only on their past performance

Your fund manager’s past performance should be scrutinised, but this should only be a part of the many factors you consider.

“Performance can give you an indication of what the manager can do in various cycles.

Look at it all in relation to the goals they’re trying to achieve. You need to make like-for-like comparisons. It’s vital to ask your financial planner to see comparisons,” says de Swardt.

SPEAK TO AN EXPERT Speak to a Sanlam financial planner by visiting sanlamreality.co.za/ contact-an-adviser.

You’ll also earn 8 000 tier points.

Know your risk profile

Investment risk is all about your willingness to take chances with your savings. While investing in stocks and shares usually provides you with a good return in the long run, your savings can be subject to the ups and downs of the stock market, which is often determined by investor sentiment, the economy and demand, among many other factors.

Usually, the riskier the investment, the better the return. But, if you’re close to retirement, you don’t want to take on too much risk. Phillips says: “It’s important to understand if you’re in the right fund for your risk profile and what you are investing in.”

De Swardt adds: “Look at your specific needs, and that will determine your risk profile.

Your financial planner will recommend products and review this on an annual basis.”

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wealth

new business

Ready to go into

READ THIS FIRST

cannabis-ness?

Changes in our law have opened up a whole new category in business – but before you invest in cannabidiol, get clued up on what you can and can’t do.

By TRACY LYNN CHEMALY

C

annabidiol is a mouthful. Even more so when you’re describing a cannabidiol-infused spiced superfood truffle. CBD is the friendlier layman’s term for this natural chemical compound extracted from the cannabis plant.

You’d better memorise those three letters fast because CBD-based products and stores are popping up around the country. We’re seeing CBD appear in chocolates, teas, pizzas, moisturising lotions and homeopathic oils (even ones for pets).

Wait, what changed with the law?

In May last year, our health ministry announced a year-long exemption that allows low-dose CBD products to be sold and consumed legally, opening up an opportunity for quick-on-the-mark entrepreneurs looking to tap into a growing wellness market.

Does using CBD affect my Sanlam policy?

“The fact that cannabis has been decriminalised does not change how we underwrite for it or how we assess claims,” explains Karen Bongers, product actuary at Sanlam Individual Life. “At underwriting stage, we ask questions around prescribed treatment for medical conditions and at claim stage our policy wording for non-death benefits states that we will not admit claims resulting from taking medicine not according to medical prescription.”

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Some studies have shown it to relieve anxiety, insomnia and arthritis.

But, although it’s legal to sell these products, PaulMichael Keichel, partner at Schindlers Attorneys and head of the firm’s Medicinal & Recreational Cannabis Law division says that making your own CBD products is not as easy. “Because you can only grow cannabis for personal or private use, you need a licence to grow it legally for commercial medicinal use,” he says.

Can CBD get you high?

Unlike the THC (tetrahydrocannabinol) component of cannabis, CBD has no psychoactive elements, and does not produce the high that whole dagga does, so any product using it only contains cannabis’ medicinal benefits. It is not addictive and is filled with healing properties. Some scientific studies have shown it to relieve anxiety, insomnia, chronic pain and arthritis. It can also aid with epilepsy and diabetes, and is used as a natural replacement for morphine in late-stage cancer.

If you want to create or sell CBD products…

Photography: Shutterstock, supplied

Be clear on the packaging Keichel warns that any CBD products sold should comply with regulations, and recommends using packaging that clearly states how many drops or pieces of a product should be consumed in line with the maximum daily dose of 20mg of CBD.

“CBD offers an innovative opportunity for entrepreneurs” Goodleaf is a premium CBD brand that opened stores in Menlyn Park (Pretoria) and Tiny Empire (Cape Town) soon after the regulatory exemption kicked in, selling high-quality CBD-based products from around the world.

“It is an interesting opportunity that allows me to combine my retail experience with a new and innovative product, which adds value to people’s everyday lives,” says co-founder and CEO Jonni Katz, who is also the founder of clothing brands Earthchild and Earthaddict. “Being part of the cannabis and wellness movement has exposed me to a new and exciting industry that I don’t doubt will have a positive impact on society for generations to come.”

He stresses the importance of having a regulatory framework in place before starting your business, and says that having previously run other retail brands doesn’t make it any easier. “Founding Goodleaf reminded me of the complexity of starting a brand from scratch,” he says, suggesting that you get up to speed with the constant shifts and developments in product marketing, as well as the impact that social media can have on a business. Visit goodleaf.co.za.

Be upfront with SARS “If sourcing from overseas, don’t be clandestine – ensure you have an importer’s licence and are cleared by SARS.”

Quality is key As with any product, Keichel recommends you investigate the CBD quality. “Be sure it’s not extracted with any harmful chemicals,” he says.

Know your CBD sources

Don’t make any misleading health claims

“If starting your own business, know the source of your CBD,” he advises, “and make sure it is licensed.”

Regulations dictate that CBD products may not claim to cure or treat any condition.

Does CO2 offsetting for flights work?

The Duke and Duchess of Sussex, HRH Prince Harry and HRH Meghan Markle, made headlines when they used four private jets in 11 days. Their defence: they paid an organisation to offset the CO2 emissions.

But does that work?

Not really, says climate-change scientist Kevin Anderson. “For an offset project to be low-carbon, it must guarantee it doesn’t stimulate further emissions over the subsequent century.”

Take tree-planting: fuel combustion plays a role in the planting process, as does getting the trees on site. According to a 2017 European Commission study, 85% of offset projects used by the EU failed to reduce emissions.

The answer? Fly less and plan routes carefully to avoid inefficiencies.

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travel 46

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The power of the pilgrimage

Pack like a pro with these tips

Places to visit before they disappear

Fly me to the moon... yes, really!

your travel benefits

Get up to 30% off Mango flights.

Up to 25% off Emirates flights (Reality Health & Reality Plus).

Save up to 30% on Protea Hotels by MarriottÂŽ.

Pay from R240/day on Tempest Car Hire, including unlimited mileage and Tempest’s Super Cover.

Save up to 30% on Uber trips.

Access Bidvest Premier Lounges at airports for free (Reality Health & Reality Plus).

Go to sanlamreality.co.za/ benefits/travel to view your specific benefits and discount percentage.

bites

ASK

ASK YOUR HOTEL CONCIERGE

AWAY! NEVER BE AFRAID TO ASK THESE QUESTIONS TO MAKE THE MOST OF YOUR TRAVEL EXPERIENCE.

“There are often specials in the food and beverage outlets you can benefit from,” says Thuthukile Moloto, general manager of Protea Fire & Ice! by Marriott® Durban uMhlanga Ridge.

ASK YOUR TRAVEL AGENT

ASK YOUR UBER DRIVER “What’s your name?”

“Ask for your driver’s name and check the in-app photo,” says Uber’s Samantha Fuller. “No matter how much of a hurry you may be in, don’t feel pressured to accept streethail solicitations from anyone claiming to work for Uber.”

“Can you suggest a spot for lunch?”

“What promotions are currently on offer?”

“Because drivers are in the business of connecting people to places, they know a thing or two about where locals like to go,” says Fuller.

If a baby makes an early arrival, before week 36, “the captain will initiate an immediate landing, with support medical staff, if necessary,” says Mango airline’s Benediction Zubane. “Staff will then find out if a doctor is on board to assist.

There’s also a crew manual with instructions that explain how to handle stages of birth,” he adds.

Swipe your Sanlam Money Saver credit card when booking with Flight Centre and you’ll get up to 5% cash-back!

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T&Cs apply.

“What tours and excursions do you suggest?”

“Book excursions with your travel experts for preferential rates,” suggests Flight Centre Travel Group’s Sue Garrett.

“What support do you provide?”

“Your travel consultant is

What happens on an airplane if…?

A BABY IS BORN

GET 5% CASH-BACK WITH FLIGHT CENTRE

SOMEONE DIES “Crew will first try to resuscitate the passenger. If unsuccessful, they will note details of the death. If a doctor is on board and has declared the passenger dead, crew will prepare the deceased and put the body in a body bag, which is stored in a locked lavatory,” says Zubane. The airline provides counselling services for crew and passengers’ welfare.

more than just a booking agent – they’re your planning partner,” says Garrett.

“A good consultant should be available throughout your journey to assist with unexpected complications.”

SOMEONE GETS TOO DRUNK Think twice before you imbibe – if things get out of hand, you could wind up behind bars. “Crew can refuse to serve alcohol to passengers that seem intoxicated,” says Zubane.

By law, disorderly passengers can be fined and/or imprisoned for up to six months, if convicted.

GET UP TO 30% OFF MANGO FLIGHTS Save as much as 30% on Mango flights to destinations all across South Africa.

Visit sanlamreality. co.za/benefit/ mango-flights for more.

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Text: Dominique Bowen; Photography: Shutterstock, supplied

travel

Broaden your bucket list

25%

Save up to

on Emirates flights.

For more info, go to sanlamreality.co.za/benefit/emirates or call 0860 732 548/9. T&Cs apply. Exclusive to Reality Plus and Health members.

travel

pilgrimages

Get away to find yourself Ancient rites of spiritual growth and awakening, pilgrimages could help you to find peace by walking the road many have trodden before.

By CHRISTINE VAN DEEMTER

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T

hink of Elizabeth Gilbert’s Eat, Pray, Love or Cheryl Strayed’s Wild – two writers’ epic searches for meaning, as they plunged themselves head first into self-designed pilgrimages. While Gilbert spent a year living in Italy, India and Bali, Strayed walked the 1 900km Pacific Crest Trail solo. After their journeys, the women found themselves healed from emotional traumas, more at peace with themselves – and each with a book deal.

Not all of us will walk our way out of heartbreak and into a movie starring Julia Roberts or Reese Witherspoon, but everyone can benefit from taking a journey inwards.

While ancient pilgrimages are rooted in religion, with Buddhists travelling to Lumbini in Nepal, Muslims to Mecca in Saudi Arabia, Jews to the Western Wall, and Christians to Lourdes in France, you don’t have to walk to a shrine in order to have a life-changing experience. Be inspired by one of these well-trodden paths...

REMOTE AND REWARDING:

JAPAN

Kumano Kodo Trail

This ancient Japanese network of trails was once reserved for emperors and samurai. And it’s easy to see why: verdant rolling hills give way to Buddhist and Shinto shrines shrouded in mist in the mountainous Kii Peninsula, just south of Osaka. Having been tread for over a millennium, there are a variety of routes to choose from.

The reward? Japan’s highest waterfall, forming a majestic backdrop to the Kumano Nachi Taisha shrine.

HOW LONG Three to six days.

WHEN TO GO The trail can be walked year-round, with the most popular times being March and April for cherry blossom season and October and November for autumn.

GOOD TO KNOW Stay at one of the onsen – hot spring villages – ideal for soothing aching muscles.

VISA REQUIRED? Yes – a single-entry visa costs R360.

HOW TO GET THERE Emirates flies from Jo’burg to Tokyo for around R15 000 return. From there, you can take a short domestic flight or two-hour train to the Kii Peninsula. Walkjapan.com

WELL-TRODDEN AND WONDROUS:

Camino de Santiago

SPAIN

Who wouldn’t want to meander their way from one delightful European village to the next, your only sustenance the fresh bread and cheese you picked up that morning, your only companion the steady sound of your own footfall? The most popular route, the Camino Francés, starts close to the French-Spanish border, crosses the Pyrenees and continues across Spain to the end point of Santiago de Compostela, where the remains of Saint James are said to be buried.

HOW LONG The Camino Francés takes about 30 days.

WHEN TO GO May to June and September, when the weather is mild and it’s not as crowded.

GOOD TO KNOW Get your ‘pilgrim passport’ (bought at the start of the route) stamped once a day in order to get first-come-first-served access to the public hostels.

VISA REQUIRED? Yes; a Schengen visa costs about R1 100.

HOW TO GET THERE Fly from Jo’burg to Paris for around R10 000 with Emirates.

From there, take a seven-hour train journey to Saint Jean Pied-de-Port. Caminoways.com

travel

pilgrimages

PERU

WASH IT AWAY:

Lagoons of Huaringas

For practically eons, people have been snaking up the mountains of Huancabamba in Peru to visit a complex of 14 sacred lagoons, hoping for a cleanse or a cure.

The mystical shamanistic ritual involves various cleansing rites, followed by a trek to the lagoons for a healing bath.

WHEN TO GO During the dry months of May to November.

GOOD TO KNOW The water of Laguna Negra, the most sacred lake of this UNESCO World Heritage site, is usually 5C°.

VISA REQUIRED? Yes; South African passport holders get a 90-day visa on arrival.

HOW TO GET THERE Be prepared for an arduous trek, but a worthwhile one. Emirates flies to Lima via the US or Chile from around R22 000. From Lima you can take a domestic flight to Piura GET 25% City, followed by a bus to Huancabamba City.

OFF FLIGHTS Laguna Negra is two hours by car from the city Reality Plus and and another hour on horseback. Peru.travel.

Reality Health members can get up to 25% off Emirates flights.

Visit sanlamreality. co.za/benefit/ emirates for more.

THE SACRED FOOT:

Adam’s Peak

At the base of Adam’s peak stands a rock formation variously believed to be the footprint of Buddha, Shiva or Adam. Six trails go up the 2 243m high conspicuous conical mountain – also known as Sri Pada – with typical climbs starting at night in order to catch the sunrise from the summit.

WHEN TO GO The dry months between January and May. Try to avoid the crowds during full moon and the Sri Lankan new year in April.

GOOD TO KNOW It’s 5 500 steps to the top – take a pair of trekking poles to help protect your knees.

VISA REQUIRED? Yes – apply for your electronic visa at Eta.gov.lk/slvisa at a cost of US $35 (around R500).

HOW TO GET THERE Fly to Dubai with Emirates and hop on a four-hour flydubai flight to Colombo. From there you can take a train or taxi. Bestoflanka.com.

ITALY

THE ONLY WAY IS UP:

Madonna del Ghisallo

According to legend, an apparition of the Virgin Mary saved a medieval man from being robbed on the road. Set on a steep hill on the shores of Lake Como, the Church of Madonna del Ghisallo has since become a must-stop for cyclists – to such an extent that Pope Pius XII made the Madonna del Ghisallo the patron saint of cycling in 1949.

HOW FAR The climb to the top is about 10km.

GOOD TO KNOW The church is the proprietor of cycling relics and the museum next door showcases the sport’s history.

VISA REQUIRED? Yes; a Schengen visa costs about R 1 100.

HOW TO GET THERE: You can fly with Emirates from Jo’burg to Milan for about R9 000. Rent a car for the hour’s drive to Madonna del Ghisallo, or take a two-hour train trip. Italia.it.

Photography: Shutterstock, supplied. Pricing correct at time of print.

SRI LANKA

TANKWA KAROO FIRESTARTER:

AfrikaBurn

LOCAL IS LEKKER:

Cape Camino

CAPE TOWN

If you can’t make it to Spain but still want to travel on foot in a meditative journey, you can head to the Cape Peninsula for a 160km circular route taking in mountains, sea and our multicultural history.

You can start anywhere on the route, with many people beginning at Schoenstatt Shrine in Constantia. The route takes in breathtaking Cape views, as well as Khoisan paintings and shrines of Islam.

HOW LONG There are nine legs, each between 12 and 25km long.

The three different routes are the First Way (seven to nine days), the Hoerikwaggo Way (five days) and the Community Way (three days).

NEED TO KNOW The route is open all year round, but stick to spring and autumn for the mildest weather.

MUST DO Walk the fynbos labyrinth in Glencairn, the biggest one in the country (if not on the continent). Labyrinths are found in many ancient cultures and religions as a tool of meditation.

COST From R1 972 for a three-day package. Capecamino.co.za

The healing power of a pilgrimage Whether you’re looking for emotional healing, spiritual growth or insight into your psyche, taking a pilgrimage could help.

Jungian psychology sees pilgrimage as an important part of the human experience, with Carl Jung describing his explorer archetype as one who seeks the freedom to find out who they are by exploring the world.

Whether you undertake a pilgrimage to recover from trauma and heartbreak,

honour your faith, celebrate something lifeaffirming, like beating cancer, or simply to have an adventure far outside of your comfort zone, some of the benefits can include: • Feeling closer to your chosen deity.

• A renewed sense of wonder and awareness.

• Clarity on your life’s purpose.

• A greater appreciation of life.

• Learning how to be adaptable and to go with the flow.

While AfrikaBurn – modelled on its famous cousin, Burning Man in the Nevada Desert – might not be a pilgrimage in the ‘laceup-your-hiking-boots’ mould, it is nonetheless rooted in the rituals of one. This annual familyfriendly event takes place in the middle of the Karoo, with revelers coming together to create art, music and ‘mutant vehicles’.

WHEN Monday 27 April to Sunday 3 May. NEED TO KNOW AfrikaBurn is ‘decommodified’ – meaning if you want it, you’ll have to bring it yourself (or barter with festivalgoers). The only facilities are basic infrastructure like toilets, roads, signage and health and safety officers.

COST From R1 985 per person, with kids under 14 paying R250 and people over 70 going for free.

Afrikaburn.com

HIRE A CAR FOR JUST R240/DAY Enjoy Tempest Car Hire from just R240/day including unlimited mileage and Tempest’s Super Cover.

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travel

pack like a pro

Pack like a pro

GROUP FROM HEAVY TO LIGHT Shoes and heavy or bulky items like hairdryers and extra handbags should be placed at the bottom of your luggage. The top layer should comprise of lightweight, delicate fabrics prone to wrinkling.

Whether you’re off on a quick business trip or a two-week holiday, these packing tips will help you to travel smarter.

AVOID WRINKLES Roll clothes made of delicate fabric to avoid creasing.

BE SMART WITH COLOUR Choose a clear travel palette and coordinate everything to match.

For example, choose neutral base items and a few pieces in matching accent colours. This way everything works together, meaning you can pack less. Section by outfit to ensure every item you pack is versatile and serves a purpose.

GO DIGITAL Replace heavy books with a Kindle, keep key files loaded on your laptop and store electronic travel documents (like travel insurance and hotel confirmations) on your phone using e-docs.

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DIVIDE AND CONQUER Use divider bags (soft material compartment bags) to split items by category (underwear into one, shirts into another). This helps you limit what you pack and makes items easier to find when in transit; it also reduces creasing.

TRANSPARENCY IS KEY THINK SMALL Buy travel-sized toiletries to save space and weight; look for multi-purpose products like an oil suitable for face, body and hair.

Tip: Pick up a few beauty product samples at pharmacies and department stores – you’ll save room and money!

Transparent toiletry and make-up bags keep liquids contained if they burst, and make it simple for you to find things quickly.

Used in hand luggage, they speed things up during security checks.

CONSIDER THE WEATHER Ensure you have a neutral lightweight and waterproof jacket, and one good pair of walking shoes. Pack

Practise the 1-2-3-4-5-6 rule 1 hat

2 pairs of shoes

4 shirts or tops

3 pairs of pants or skirts

5 pairs of socks

6 sets of underwear

a light, waterproof bag (like a grocery bag) to store wet items when in transit.

location. Keep any chronic medication in your hand luggage in case your check-in bags go missing.

PACK MEDICAL ESSENTIALS

SEPARATE LAUNDRY

Carry a basic first aid kit, especially if you’re travelling to a remote

Carry a light, foldable, material laundry bag for dirty clothes.

Photography: Kirsten Mackrill; Styling: Nadia Windt; Production: Nicky Scheepers

GET 5% CASHBACK WHEN YOU SHOP!

USE EVERY INCH OF SPACE Tuck socks, accessories and small items into shoes to protect them and maximise space.

Use your Sanlam Money Saver credit card at Edgars – one of our Reward Partners and where all the items on this page are from – and you’ll get up to 5% cash-back!

The cash-back will be paid directly into your savings account.

Find out more at www.moneysaver.cards.

T&Cs apply.

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travel

must-see places

Places to see before they disappear

Maldives, Indian Ocean 1 The This archipelago of islands resides atop an expansive underground mountain range. The 1 190 islands and sandbanks are surrounded by crystal-clear waters, a reef structure and spectacular underwater life.

A rise in water temperatures has impacted the sea levels, leading to an adverse effect on the very lowlying islands, which could be completely submerged in the future. Conservation efforts and sustainable tourism coexist with luxury at various resorts to provide an opportunity for visitors to explore the marine protected areas sustainably.

Best time to travel: November to April.

Visa: South Africans can buy a 90-day visa on arrival.

Flights: There are no direct flights to the Maldives, but take an Emirates connect flight from R15 000.

GET UP TO 25% OFF EMIRATES FLIGHTS Reality Plus and Reality Health members can get up to 25% off Emirates flights – visit sanlamreality.co.za/ benefit/emirates for more.

Photography: Maldives Marketing & Public Relations Corporation (MMPRC); Shutterstock, supplied. Pricing correct at time of print.

As climate change and urbanisation continue to impact our surrounds, some things are worth sliding to the top of your bucket list, before they disappear forever. By HITEKANI MBATSANA

Francis Bay, Africa 5 StSouth

Great Wall of China, China 2 The Made up of fortifications built from as early as 7BC to the 17th century, The Great Wall spans 20 000km.

Seasonal soil erosion and exposure to wind and rain have seen at least 30% of the wall disappear. Add to this the impact of people: foot and motor vehicle traffic, urbanisation and visitors stealing bricks all contribute to the degradation.

Best time to travel: Spring (April to May) and autumn (September to November).

Visa: You’ll need to apply for a visa online prior to travelling.

Flight: Fly from Jo’burg to Beijing for around R12 000 on Emirates. The Wall is about a two-hour drive from Beijing.

Great Barrier Reef, Australia 3 The Off the coast of Australia, the Great Barrier Reef is made up of 3 000 individual coral reefs. It’s the largest reef system in the world, teeming with vibrant marine life.

Coral bleaching, caused by an increase in water temperatures, strips algae from the coral, which it uses to obtain its nutrients in order to stay alive. This, in turn, reduces its vivid colour. Some fear that the Great Barrier Reef could disappear completely within three decades.

Best time to travel: June to October: rainfall is unlikely, making it ideal to dive.

Visa: Apply for a visa online prior to travelling.

Flight: Fly with Emirates to Australia; flights start from R16 000.

The Eastern Cape boasts an array of small coastal towns, offering a pristine escape with unique features. St Francis Bay and Cape St Francis are home to the St Francis canal system (known as ‘Little Venice’), the largest man-made web of canals in the country.

While this is a great place for a family holiday, it is heavily impacted by continuous coastal erosion and overdevelopment. Even though rock buffers and revetments separate the town from the open sea, waves continue to inch away at the beach as storm surges become stronger.

Best time to travel: School holiday periods are busy but lively, and nothing beats summer by the sea.

Flight: Fly to Port Elizabeth with Mango, from around R1 600; it will take about an hour by car to reach St Francis Bay.

SAVE UP TO 30% ON MANGO FLIGHTS Enjoy up to 30% off Mango flights – visit sanlamreality.co.za/ benefit/mangoflights for more.

Alpine Glaciers, Switzerland 4 The Glaciers form through years of snow thickened and compacted into ice masses. Each day glaciers are receding due to an increase in temperatures and declining snowfall. Locals have taken to covering glaciers with blankets to slow down the melting, but it’s not a permanent fix. Experts predict two-thirds of the Alps’ glaciers will melt by the close of the century.

Best time to travel: For snow, mid-January to mid-March. Otherwise, April to June and September to October, as it’s quieter and the weather is more moderate.

Visa: South Africans require a Schengen visa to enter the country.

Flight: Fly to Zurich with Emirates for around R15 000, then catch the Glacier Express train – an eight-hour scenic trip to the Alpine glaciers.

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travel

out of this world

t u o s ’ t a h t l e v a Tr is world! of th

COMING SOON!

ace ip to sp S r t a e k ta BÉ BRIT ind and y ELSA rth beh B a . r E e n v e o es tive for our car perspec r Leave y u o y e hang that’ll c

MEET YOUR TOUR GUIDE ELSABÉ BRITS is an award-winning science journalist with more than 25 years’ experience.

She covers most scientific fields including astronomy, palaeontology, genetics and medicine.

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I

magine travellin g from Jo’burg to London in 32 minutes, shavin g off 11 hours of flying time. Th is is the speed at which space tourists w ill travel in Elon M usk’s Starship.

His company, Sp aceX, is develo ping the Starship spac ecraft and the reusable Super Heavy rock et to carry both crew and cargo to Ea rth’s orbit, the Moon, Mars and beyo nd. Starship will be the world’s most po werful launch vehicle ever developed.

It will be able to carry 100 space travel lers at a time.

SpaceX is still the only private co mpany serving the Inte rnational Space Station (IS S), and has been since 2012.

Its Dragon spac ecraft takes huge payl oads to the ISS. The fir st career astrona uts will fly to the IS S with the Crew Dragon in the ne xt two years.

Fancy becomin g a space tourist yourself? We ta ke a look at your current options .

Experience six days of starry delight with SpaceX

WHEN? 2023 PRICE TAG: Free (if you’re a famous artist) The first-ever private lunar eX mission will be undertaken by Spac onaire billi nese Japa the by in 2023. Funded first ld’s wor the be it’ll a, zaw Mae Yusaku Moon. the nd space tourism venture to fly arou the on s seat the Maezawa bought all unt, and mission for an undisclosed amo ous artists fam t eigh to six te invi to s he plan to fly with him – for free. and, The mission will last for six days t orbi n’s Moo the r ente ’t while they won it. ent umv circ will they , or land

rill 90-minute th Embark on a e of space with dg ride to the e ic ct la a Virgin G illing

Photography: Shutterstock, supplied

(if you’re w WHEN: Now list) to the waiting to be added $250 000 PRICE TAG: million) 73.

R (around tic says it wants n’s Virgin Galac ss to the stars.

Richard Branso ore people acce m ng vi gi 00 ft e’, ac e sp altitude of 45 0 to ‘democratis ty, is taken to an ni U S e VS e Th . th , wo tT Its spacecraft raft WhiteKnigh the carrier airc peak altitude, its to (about 13km) by fly to ne ignites its engi the altitude VSS Unity then e Kármán line: th d lle ca is is Th . m 0k 10 st pa . gins. bought tickets where space be le have already op pe ke off.

0 ta 60 ly al an More th r years to actu have waited fo of em e th nc of y rie an pe But m while the ex s. minutes long, e view? Priceles The flight is 90 m x si inutes. Th st ju s st la ss weightlessne

Broaden your horizons with an 11-minute Blue Origin experience WHEN? 2021 PRICE TAG: TBC Amazon.com founder Jeff Bezos is the owner of Blue Origin, which is developing the New Shepard. first-hand They say: experience the ‘overview effect’ rd.

Shepa New when you fly to space onboard as the The overview effect is described by astronauts : a tiny space in Earth of y realit the g seein of experience

The Aurora Space Station Hotel – your best (and only) choic e

WHEN? 2022 PRICE TAG: From $9.5-million (ar ound R139-million) for 12 days The Aurora Space Station is developing the first space hotel, and to be on the waiting list for 2022 you’ll need to fork out $80 000. Pricing for your stay starts at a cool $9.5-m illion for 12 days.

It’s a modular design and will be built on Earth and launched as a comple te unit.

COMING A LITTLE LESS SOON!

Want g hin s o m et o r e a tad mrm? lo n g te

Try Mar s!

It will be possible to settle and trav el to Mars in decad to come es – but the journey to get th ere is still a long one, esp ecially w ith the u of half-w se ay points to store heavy pay loads.

Three ye ars ago E lon Musk estimate d that it would co $10-billio st n per pers on to trav to Mars. el He could lower the to $200 0 cost 00, less th an Virgin quick pe ’s ak of Eart h, by sen 100 peop ding le at a tim e.

Such an interplan etary transport system co nsists of a space ship that is ‘parked’ in space and then sup plied seve ral times fro m the Ea rth in quick successio n.

From its parked p lace it travels to Mars, when the plan et is in it s closest o rbit to Ea rth.

any is said ball of life ‘hanging in the void’. The epiph ring. to be humbling and awe-inspi l float At the apex of your 11-minute flight, you’l gaze upon and e spher atmo the of limb thin the above Earth below. and each The capsule is designed to fly six people, ience exper also l You’l seat. ow one will have a wind se becau d) soun of speed the times (three 3 Mach ng maki t, the spacecraft is powered by a rocke . it a more authentic ‘astronaut’ experience

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Time to reflect

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Bringing large-scale pieces to life through drawing, painting and collage, Neo Matloga’s works play with surrealism and perspective to consider the healing properties of family and home. Just as his use of mixed media draws on fragments of different mediums, so his pieces reflect on the fragments of happiness amid the struggle against Apartheid.

Born in Limpopo, now based in Amsterdam, Matloga recently completed a two-year residency at De Ateliers and won the 2018 Koninklijke Prijs voor Vrije Schilderkunst (Royal Award for Modern Painting).

Take this rare opportunity to enjoy a solo show of his in SA at Jo’burg’s Stevenson gallery from 9 May to 19 June.

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See, do, read this month

Recipes that hero veggies

5 Minutes with Irina Kolesnikova

your

entertainment

benefits

Pay R30 for a 2D movie ticket (R50 for 3D; Reality Plus and Reality Health only) and R35 for a refreshment combo at Nu Metro

Buy one ticket, get one free for up to R300 on Computicket (Reality Plus and Reality Health only)

Six months worth of free music streaming from simfy africa

1GB free data every month with AlwaysOn Go to sanlamreality.co.za/ benefits/entertainment to view your specific benefits, tier status and discount percentage.

Pricing correct at time of print.

entertainment

things to do

Watch 1 / THE SECRET GARDEN

2 / TROUBLE

Follow Mary Lennox, a troubled 10-year-old, as she and her sickly cousin Colin heal one another through the discovery of a secret garden on the grounds of her uncle’s stately home in Yorkshire. Based on the classic English children’s novel by Frances Hodgson Burnett.

RELEASE DATE: 8 May

This is a comedy the whole family will enjoy. Trouble, a pampered pooch, must adapt to a whole new way of life in the real world… all while trying to escape his former owner’s greedy kids. You’ll likely recognise the voices of Snoop Dogg, Pretty Little Liars’ Lucy Hale and Jason Mraz.

RELEASE DATE: 24 April

3 / ARTEMIS FOWL 12-year-old genius Artemis Fowl is on a mission to discover the reason behind his father’s disappearance, battling mystical creatures along the way. If adventure and sci-fi fantasy are your thing, this film will keep you hooked right until the end. Starring Ferdia Shaw and Dame Judi Dench.

RELEASE DATE: 29 May

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SAVE BIG AT THE MOVIES! You pay just R30 for Nu Metro tickets, and R35 for refreshment combos. Reality Health and Reality Plus members also enjoy 3D tickets for just R50. Book your discounted tickets directly via the free Sanlam Reality App. Download the Sanlam Reality App

Read

Go

BUY ONE TICKET, GET ONE FREE Reality Plus and Reality Health members can buy one ticket, get one free (up to R300) on Computicket. Visit sanlamreality.co.za/ benefit/computicket for more.

1 / DURBAN: QUEEN: IT’S A KINDA MAGIC

The latest novel from this New York Times bestselling author delves deep into equality and identity as 17-year-old American Muslim, Khayyam, finds herself drawn into a parallel life within a 19th-century poem. Out to prove that the subject is based on a real person, she faces hard decisions in her own life.

Listen

Prepare to sing, clap and foot-stamp to rock anthems like ‘We Will Rock You’, ‘We Are The Champions’, ‘Radio Ga Ga’ and ‘Another One Bites the Dust’ at this tribute to Queen.

Watch as up-and-coming star Dominic Warren owns the lead in Freddie Mercury’s original key.

WHEN: 10-26 April WHERE: iZulu Theatre, Sibaya Casino

3 / CAPE TOWN & JO’BURG: SWAN LAKE – ST PETERSBURG BALLET THEATRE

2 / CAPE TOWN: 1999: THE ULTIMATE PRINCE EXPERIENCE Are you ready to groove? Prepare for a world-class performance of the late prince of pop’s chart-toppers: ‘Kiss’, ‘I Wanna Be Your Lover’, ‘Purple Rain’ and others at this tribute show.

WHEN: 27-31 May WHERE: Artscape Theatre

Do

The Cape Town Philharmonic Orchestra and Johannesburg Festival Orchestra will join the stellar talent of St Petersburg Ballet Theatre to stage Tchaikovsky’s classic ballet, promising an unmissable experience.

WHEN: 8-19 April (Cape Town); 22 April to 2 May (Jo’burg) WHERE: Artscape Theatre (Cape Town), The Teatro at Montecasino (Jo’burg)

7 1

1 / IN THE DARK Journalist Madeleine Baran sates true-crime fans’ appetites for a meaty story as she delves into a different real-life case each season in this awardwinning podcast. A great way to turn your commute into the favourite part of your day.

STREAM MUSIC FOR FREE You enjoy six months of free music streaming via simfy africa. Use your benefit by visiting sanlamreality.co.za/ benefit/simfy.

3

3 9

8

See solution on p3.

Text: Dominique Bowen; Photography: Stevenson, supplied Soduku source: memory-improvement-tips.com/printable-sudoku-puzzles-medium. Pricing correct at time of print.

1 / MAD, BAD AND DANGEROUS TO KNOW BY SAMIRA AHMED

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entertainment

meat-free recipes

Plant

Power(ed)!

Meat-free is no longer reserved for Mondays.

Be inspired to consume more plant-based meals all week long with these delicious recipes that make veg the star of the show…

Food styling and recipes: KATELYN ALLEGRA Photography: KIRSTEN MACKRILL

STAR INGREDIENT: CHICKPEA FLOUR Za’atar chickpea pancakes with grilled avocado and coriander dressing

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Not only is chickpea flour super easy to make (see tip, right) it’s packed with many benefits that other wheat flours lack, including containing more than double the amount of protein. It’s also naturally gluten-free.

Za’atar chickpea pancakes with grilled avocado and coriander dressing SERVES: 4–6 | PREP TIME: 45 MIN COOK TIME: 5-10 MIN • 230g (2 cups) chickpea flour • 60ml (¼ cup) olive oil, divided • 10ml (2 tsp) salt • 500ml (2 cups) water • 60ml (¼ cup) za’atar spice • 1 lemon, juiced • 30ml (2 tbsp) olive oil • 2 ripe avocados • 4 baby leeks, halved and rinsed CORIANDER DRESSING: • 30ml (2 tbsp) tahini • 30ml (2 tbsp) olive oil • 1 lemon, juiced • 30ml (2 tbsp) water • 1 clove garlic • 20g fresh coriander • ¼ tsp salt

TO SERVE (optional): • Roasted chickpeas • Chilli flakes • Micro herbs

To make the pancakes, combine the chickpea flour, half the oil, salt, water and za’atar spice in a large bowl and whisk until smooth. Set aside for 30 minutes.

Mix the lemon juice and remaining olive oil. Peel and halve the avocado, removing the pit. Place a griddle pan over high heat. Brush the avocado with the lemon mixture and place in the pan as it starts to smoke. Grill for 3-4 minutes or until slightly charred.

Take the avocados off the heat and brush with the lemon juice mixture and season well.

Repeat the same process with the leeks.

For the coriander dressing, blitz all the ingredients in a blender until smooth.

To fry the pancakes, heat 5ml oil in a non-stick frying pan. Pour in the batter (about ¼ cup) and swirl the pan so it coats the base evenly. Fry for 2-3 minutes per side, or until crispy. Repeat with the rest of the batter.

To serve, top the pancakes with the avocado halves and leeks, drizzle with the coriander dressing and finish off with roasted chickpeas, chilli flakes and herbs.

CHICKPEA HACKS Make your own flour: Blitz dried chickpeas in a food processor until it has a fine texture. Ta-da!

As an egg replacer: Mix 3 tbsp chickpea flour with 3 tbsp water to make a paste and add it to pancakes or muffins (use in recipes where eggs are used as binders).

STAR INGREDIENT: QUINOA Quinoa’s popularity isn’t only attributed to its nutty flavour, but also because it’s a complete protein – meaning it contains all 9 essential amino acids. It’s also low GI and naturally gluten free, with high levels of iron and magnesium.

Smoky quinoa and mushroom ‘meatball’ curry SERVES: 4-6 | PREP TIME: 45 MIN | COOK TIME: 25-30 MIN ‘MEATBALLS’: • 250g (3 cups) portobello mushrooms, sliced • 30ml (2 tbsp) ground flaxseed or 2 vegan eggs • 1 x 400g tin cannellini beans, drained and rinsed • 60g (¼ cup) quinoa, cooked • 2 leeks, finely chopped and rinsed • 2 cloves garlic, finely grated • 60ml (¼ cup) rolled oats • 10ml (2 tsp) nutritional yeast • 10g mint, finely chopped • 10g parsley, finely chopped • 5ml (1 tsp) sea salt • 90g (¾ cup) chickpea flour • ½ lemon, juiced • Olive oil to drizzle CURRY: • 2 onions, finely sliced • 10cm piece ginger, grated • 2 serrano chillies, deseeded and thinly sliced • 4 garlic cloves, finely grated • 10ml (2 tsp) ground turmeric • 2 x 400g tin coconut milk • 10ml (2 tsp) liquid smoke

Place a large frying pan over high heat and drizzle with olive oil. Sauté the sliced mushrooms for 5 minutes or until cooked. Season well and set aside.

Make the flaxseed eggs by whisking 2 tbsp of ground flaxseed with 6 tbsp of water, or make a vegan egg according to package instructions.

Place all the ingredients in a food processor and pulse ⅔ of the mix until just combined, and roughly chop the rest of the mix. Combine them and refrigerate for 30 minutes.

Using a tablespoon as a measure, roll the mix in your hands and shape into balls.

Wipe out the pan you used for the mushrooms and drizzle with more olive oil, place over a medium-high heat and fry the quinoa balls until crispy on both sides, about 3 minutes each side. Season well and set aside.

CURRY: Place a large pot over medium-high heat, drizzle with olive oil and sauté the onion until soft. Lower the heat and stir in the ginger, chilli, garlic and turmeric. Stir for 5 minutes before adding in coconut milk and ½ cup water. Cook, stirring occasionally, until slightly thickened.

Stir in the liquid smoke and season. Over a low heat, add the quinoa balls and cook for 5 minutes.

Serve with warm rice, fresh coriander, a dollop of yoghurt and lime wedges.

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meat-free recipes

STAR INGREDIENT: NUTRITIONAL YEAST

Considered ‘poor man’s meat’, red kidney beans are anything but! They’re rich in fibre and starchy carbs, as well as being low GI.

Vegan nachos with bean ‘chilli con carne’ SERVES: 4-6 | PREP: 15 MIN | COOK TIME: 2 HOURS 15 MIN • 1½ cups red kidney beans, soaked overnight • 1L water • Olive oil • 1 onion, rinsed and roughly chopped • 2 cloves garlic, finely grated • 1 red serrano chilli, deseeded and sliced • 1 carrot, peeled and grated • 15ml (1 tbsp) sweet smoked paprika • 2 star anise • 5ml (1 tsp) Marmite • 5ml (1 tsp) Worcestershire sauce • 2 chipotle chillies in adobo sauce, chopped • 1 x 400g tin diced tomatoes • 100g sundried tomatoes, rehydrated • Sea salt and cracked black pepper, to taste • 30g fresh coriander • 15ml (1 tbsp) toasted cumin seeds, optional

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TO SERVE: • Vegan cheese, avocado, nachos, chopped chilli and extra-fresh coriander

Drizzle a generous amount of olive oil in a large pot and place over medium heat. Sauté the onion, garlic, serrano chilli and carrots until soft, about 10 minutes.

Add the spices and cook for another 5 minutes or until fragrant.

Stir in the Worcestershire sauce, chipotle chillies, tinned tomato and sundried tomatoes along with the red kidney beans and 2 ½ cups of water. Stir and reduce the heat to a gentle simmer. Leave to cook for 2 hours or until the beans are nice and tender.

Season to taste, then tip into a serving bowl. Serve with nacho chips, avocado, vegan cheese, chillies and fresh coriander.

Penne pasta with pickled fennel, preserved lemon, garlic olive oil and ‘vegan Parmesan’ (nutritional yeast) SERVES: 4-6 | PREP: 35 MIN | COOK TIME: 10-15 MIN PICKLED FENNEL: • 200ml apple cider vinegar • 100g caster sugar • 5 pink peppercorns • 2-3 baby fennel bulbs, finely sliced GARLIC OLIVE OIL: • 250ml (1 cup) olive oil • 2 cloves garlic, sliced • 225g penne pasta, cooked • 1 preserved lemon, insides removed and finely chopped, or lemon zest • 100g nutritional yeast • 20g flat leaf parsley, finely chopped • Fresh shaved baby fennel

Heat the apple cider vinegar and sugar together in a small pot with a generous pinch of salt and the peppercorns. Stir until the sugar has dissolved.

Add the fennel and leave to cool in the fridge until ready to serve.

Place the olive oil and garlic in a small pot and gently heat, then take off the heat and set aside to infuse for 20 minutes.

To serve, combine the pasta, pickled fennel, preserved lemon and nutritional yeast.

Generously drizzle with the oil, sprinkle with parsley and top with fresh shaved baby fennel.

Food stylist’s assistants: Cassandra Upton and Sophia-Maria Eygelaar

STAR INGREDIENT: RED KIDNEY BEANS

This gets its name from the protein, vitamins, minerals and antioxidants it contains. Being particularly high in vitamin B12, it aids in preventing B12 deficiencies, especially in vegans. It is also naturally low in sodium and calories, fat-free, gluten-free and vegan. It has a cheesy flavour similar to parmesan.

Carrot and amaranth falafel with flaxseed hummus SERVES: 4-6 PREP: 15 MIN COOK TIME: 55 MIN FALAFEL: • 55g (¼ cup) amaranth • 5ml (1 tsp) salt • 250ml (1 cup) water • 2 carrots, finely grated • 10g (¼ cup) fresh mint • 10g (¼ cup) coriander • 15ml (1 tbsp) ground flaxseed or 1 vegan egg • 45ml (3 tbsp) water • 30ml (2 tbsp) olive oil • 2 cloves garlic, grated, divided • 5ml (1 tsp) ground cumin • 5ml (1 tsp) sea salt • 60g (½ cup) chickpea flour • 1 x 400g tin chickpeas, drained and rinsed • 1 leek or small onion, rinsed and finely chopped • 1 lemon, juiced • 2L cooking oil, for frying FLAXSEED HUMMUS: • 1 x 400g tin chickpeas, drained and rinsed, reserve 80ml (⅓ cup) of the liquid • 60ml (¼ cup) olive oil • 45ml (3 tbsp) ground flaxseed • 2 cloves garlic, finely grated • 2.5ml (½ tsp) ground cumin • 1 lemon, juiced • 2.5ml (½ tsp) salt

Combine the amaranth, salt and water in a small pot, place over a high heat and bring to the boil.

Lower the heat and simmer for 20 minutes.

Allow to cook down to a thick porridge and remove from the heat. Make the flaxseed egg by whisking 1 tbsp of ground flaxseed with 3 tbsp of water, or make a vegan egg according to package instructions.

In a food processor, combine the amaranth,

STAR INGREDIENT: AMARANTH Highly underrated yet very versatile, amaranth is high in protein and contains your daily requirement of three key micronutrients: manganese, magnesium and phosphorus. Amaranth can be used in salads, cooked like porridge or risotto, and even be popped like popcorn.

TO SERVE: • 4 pita breads • Cucumber ribbons and coriander

carrots, mint, coriander, flax egg, oil, garlic, cumin and sea salt (leave some to season).

Blend until combined. Add in the chickpea flour, chickpeas and leeks, and pulse until just combined. Refrigerate for 30 minutes or until firm.

Meanwhile, place all the ingredients for the hummus in a food processor and blitz for 30 seconds or until smooth.

Adjust the consistency by adding the reserved chickpea liquid or water. Scrape the sides down and blend for

another 2 minutes, season well and refrigerate until serving.

Preheat a large pot of oil or deep fat fryer to 160°C. Using a tablespoon to measure, roll balls of the falafel mix between wet hands and carefully drop them into the pre-heated oil. Fry for 5 minutes or until golden brown. Drain on paper towel. You might need to do this in batches until all the mix has been used.

Serve with pita breads, chopped fresh coriander and cucumber ribbons.

SAVE WHEN YOU BUY GROCERIES If you use the new Sanlam Money Saver credit card when you buy ingredients, you could add up to 5% of your spend to a dedicated savings account. Visit www. moneysaver.cards for more information.

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entertainment

5 minutes with

Balancing act 5 Minutes with ballerina Irina Kolesnikova

Ballet has kept Irina Kolesnikova on her toes since the age of 10, and she wouldn’t have it any other way. Ahead of her performance in St Petersburg Ballet Theatre’s staging of Swan Lake in South Africa, the award-winning ballerina, teacher, wife and mother shares the joys and challenges of her demanding profession.

“One of my earliest memories is attending a children’s gymnastics class. My teachers saw that I had an ear for music.

They recommended that I audition for St Petersburg’s Vaganova Choreographic Institute, and I was accepted.

So my decision was made at the age of 10, and I have never once regretted it.”

“I enjoy the challenge every performance presents” “I also like the discipline that my profession demands; the routine of daily ballet classes, and getting to travel while doing something I love, too.

“Of course, I also enjoy the applause: it’s tremendously satisfying to know that the two hours of physical and emotional effort I go through on stage are

appreciated by those who have bought tickets to see the show.”

“At last count, I had performed Swan Lake nearly 1 000 times” “In that fact lies the biggest challenge. I need to keep each performance fresh and unique. When I’m sitting on the floor stretching my muscles, I think about what elements from that day’s experiences I can bring to the stage.”

“I love every stage door that I walk through” “Performing at the London Coliseum to over 50 000 people was beyond exciting, as was playing at the Théâtre des Champs-Elysées in Paris… and equally, travelling to the other side of the world to dance in Sydney, Auckland, Hong Kong and Johannesburg.

They are all favourites.”

“We are a true modern-day partnership” “I get wonderful help from my husband, Konstantin Tachkin.

We both work hard and share the load of family and work.

“It helps that we are in the same profession, even though

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BUY ONE TICKET, GET ANOTHER FREE Swan Lake runs from April 2020 in Cape Town through to May 2020 in Jo’burg; tickets start from R250. Reality Plus and Reality Health members can buy one ticket and get another free (up to R300) on Computicket. Book at sanlamreality.co.za/ benefit/computicket or call 0860 732 548/9.

I’m on the stage and Konstantin is in the office, managing the business of the St Petersburg Ballet Theatre.”

“Teaching is tremendously satisfying” “I enjoy passing my experience on to younger dancers in our company and coaching those who are preparing to dance major roles.”

Text: Dominique Bowen; Photography: supplied

“I couldn’t imagine doing anything else”

Quickfire Qs Age: 39 Born: St Petersburg, Russia Swan Lake is so popular because: “It has everything you could wish for from a classical ballet.

There’s Tchaikovsky’s music, the traditional Russian choreography, the story of glorious love and unimaginable betrayal – what a mix it is!”

Favourite part of Swan Lake: “My dual role. Odette and Odile are so familiar to me. I now revel in the freedom of knowing the physical needs and boundaries that the choreography dictates.”

Fans would be surprised to know…

“Time to confess...

I love chocolate!

(Actually, chocolate and almond croissants.)”

Y

C E EL A EB R R AT IO N

Celebrating 10 years of Reality magazine!

At the close of last year, Reality magazine turned 10 – that’s a decade of tips, ideas, articles and insights to empower you to live your best life, from health and wellness to your finances. Vote for your favourite cover and win! Turn to p.13 to find out how to enter.

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real world 68

71

72

Celebrating a decade in print

The scary state of retirement plans in SA

All your Sanlam Reality benefits and discounts

how to earn tier points

Tier points matter because the higher your tier status, the better the discounts you receive on benefits!

Every year you have the opportunity to increase your tier status to qualify for bigger discounts the following year.

You can earn more tier points in various ways, from downloading the free Sanlam Reality App to updating your contact details.

Go to sanlamreality.co.za/ earn-points to view your tier status and learn how to increase your points.

real world

a decade in print

10 years

of rewarding

YOU

REALITY MAGAZINE CELEBRATED A DECADE IN PUBLISHING LAST YEAR. WE TAKE A TRIP DOWN MEMORY LANE TO ACKNOWLEDGE SOME OF THE BRAND’S BIGGEST MILESTONES DURING THIS PERIOD.

2010

2009 Reality magazine launched!

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The print title was bolstered by the launch of digital communication, including newsletters and an interactive and informative website.

2014

The magazine won the prestigious Best-Written Corporate Publication award at the SA Publication Forum Awards.

N IO

R AT A BR YCEELE

2015

Member benefits changed and were improved to include more savings, assistance and discounts, the result of which is the muchloved offering you enjoy today.

2016

Another SA Publication Forum Award was scooped up, this time for Best Corporate Website.

SEE WHY OUR WEBSITE WON AWARDS! Enjoy free tools and calculators, like our savings, loan and tax calculators, plus a host of financial education that empowers you to live your best financial life in our Wealth Sense section. Explore it at sanlamreality.co.za/wealth-sense.

2017

The first Sanlam Money Saver card was introduced and the award-winning website underwent a revamp, making it even better than before.

Research: Lynette Botha; Photography: Shutterstock, supplied

2018

A momentous milestone as the innovative and interactive Sanlam Reality App was launched. The free app allows you to access benefits 24/7, on the go – everything from booking discounted Nu Metro tickets to interacting with your Personal Assistant became available at the tap of a button.

The brand was rated best overall for customer satisfaction and value for money in the South African Customer Satisfaction Index (SAcsi). Additionally, another Best Corporate Website award was added to our trophy collection.

2019

The Sanlam Money Saver card progressed to the next level by transforming into the Sanlam Money Saver credit card, the first credit card that gives you up to 5% cash-back every time you spend. It’s all part of our promise to reward financially responsible behaviour: today, GET 5% credit is inevitable, but CASH-BACK responsible credit is intentional.

Swipe your Sanlam It’s why we launched our credit Money Saver credit card, to help you save every card at our Reward time you swipe.

Partners and you’ll At the inaugural Loyalty get up to a 5% Awards South Africa, we took cash- back at no home the coveted award for extra cost to you.

Best Use of Data Analytics/ Genius! Head to CRM Application – in a nutshell, www.moneysaver. we were recognised for how cards for more. we talk to you and offer relevant benefits and content that make your life more rewarding.

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Start an adventure today

Hire a car from Tempest Car Hire and pay from as little as R240 a day. Plus, get unlimited mileage and Super Cover!

Go to sanlamreality.co.za/benefit/tempest-car-hire or call 0860 732 548/9 for more information. T&Cs apply.

retirement

46%

real world

Of South Africans don’t have a retirement plan

JUST 6% HAVE A THOUGHT-THROUGH PLAN THAT THEY’RE EXECUTING. BENNIE WESSELS, SANLAM PRODUCT ACTUARY, SHARES SOME MUST-KNOWS TO BETTER PREPARE YOU. SOUTH AFRICANS AND RETIREMENT

RETIREMENT ANNUITY

46%

Say they don’t have a plan for retirement.

6%

Say they have a thoughtthrough plan that they are actually executing.

WHAT?

72%

Who have a plan are unsure if it’s enough.

WHY AREN’T SOME PEOPLE SAVING FOR RETIREMENT?

55% 36%

WITHDRAWING FUNDS

2%

Are expecting a family member or spouse to take care of them.

1% 1%

Are planning to rely on the government.

TAXES

Are relying on their business to take care of them.

13%

PROVIDENT FUND

Usually a condition of employment of many employers to provide retirement benefits to employees.

Pension/provident funds are sometimes slightly more cost-effective due to economy of scale.

Changing jobs makes no difference to your RA: it continues, unchanged.

With a pension/provident fund, you may need to transfer your accumulated fund value to a preservation fund or to your new employer’s fund.

A retirement annuity is similar to a pension fund in that you must use at least two-thirds of the fund to purchase an annuity when you retire.

Unlike a pension/provident fund, you cannot cash in a retirement annuity before retirement (minimum age 55).

A maximum of 1/3 of the proceeds of a pension fund can be paid out as a lump sum; the rest must be used to provide you with an income during retirement.

Say they simply can’t afford to.

Say it’s not a priority for them right now.

Photography: Shutterstock; Source: 10X South African Retirement Reality Report 2019

CHANGING JOBS

Primarily designed to provide retirement benefits to selfemployed people, although anybody can contribute to a retirement annuity (RA) fund – even a person who belongs to their employer’s pension or provident fund or a person who has already retired. They typically offer much wider investment fund choice than pension/ provident funds.

PENSION FUND

A provident fund allows you to take all of the proceeds out as a lump sum at retirement.

All of them allow you to take a maximum tax deduction of 27.5% of total gross remuneration (subject to an annual ceiling of R350 000).

They are all governed by the Pension Funds Act. The growth and income within all three is tax-free.

Tax is only payable when you access your funds.

Aren’t planning to retire at all.

PLAN YOUR RETIREMENT WITH AN EXPERT Speak to a qualified financial planner to work out the best retirement plan for you. Visit sanlamreality.co.za/ contact-an-adviser to set up a meeting.

Plus you’ll earn 8 000 tier points!

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benefits

Sanlam Reality

benefits table

All you need to know about your benefits and discounts as a Sanlam Reality member.

Reality Health

Reality Plus

Reality Core

Sanlam Life Cover

Up to 30% off

Up to 30% off

n/a

Sanlam Gap Cover

Extra cover for your hospital stay

Extra cover for your hospital stay

Extra cover for your hospital stay

Sanlam Personal Loans

Cash-back reward of up to 20% Cash-back reward of up to 20% Cash-back reward of up to 20%

Wealth

Wealth Sense

Online financial platform

TaxTim

Complimentary tax assistance Complimentary tax assistance Complimentary tax assistance

Online financial platform

Online financial platform

Funeral cover

For Fedhealth members only

n/a

For Fedhealth members only

Pet Accident Cover

For Fedhealth members only

n/a

For Fedhealth members only

Virgin Active

As much as 60% off

n/a

n/a

Planet Fitness Gym

As much as 80% off

As much as 80% off

As much as 60% off

JustGym

As much as 80% off

As much as 80% off

As much as 60% off

Independent Gyms & Studios

As much as 60% off

As much as 60% off

As much as 40% off

Mango flights

As much as 30% off

As much as 30% off

As much as 20% off

Emirates flights

As much as 25% off

As much as 25% off

n/a

Health

Travel

Protea Hotels by Marriott

As much as 30% off

As much as 30% off

As much as 20% off

Tempest Car Hire

Pay as little as R240 per day

Pay as little as R240 per day

Pay as little as R240 per day

Uber trips

As much as 30% off

As much as 30% off

As much as 30% off

Bidvest Premier Lounges

Up to 20 visits/year

Up to 20 visits/year

n/a

International Travel Insurance

For Fedhealth members only

n/a

For Fedhealth members only

Nu Metro movies & refreshments

R30 for 2D or R50 for 3D; R35 for refreshment combo

R30 for 2D or R50 for 3D; R35 for refreshment combo

R30 for 2D; R35 for refreshment combo

Computicket shows and sport

Buy one ticket and get one free up to R300

Buy one ticket and get one free up to R300

n/a

simfy africa music streaming

Six months’ complimentary; save 7.5% thereafter

Six months’ complimentary; save 7.5% thereafter

Six months’ complimentary; save 7.5% thereafter

AlwaysOn Wi-Fi

1GB data/month

1GB data/month

n/a

Reality magazine

Three times a year

Three times a year

Three times a year

24/7, 365 days a year

24/7, 365 days a year

24/7, 365 days a year

Adds up to 5% of spend to your savings

Adds up to 5% of spend to your savings

Adds up to 5% of spend to your savings

®

Personal Services Personal Assistant Day-to-Day Sanlam Money Saver credit card

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AUTUMN 2020 SANLAMREALITY.CO.ZA

Pricing correct at time of print.

Entertainment

You don’t need to fly overseas to go on an adventure

Get a discount of

as much as

30%

on Mango flights

To book, go to sanlamreality.co.za/benefit/mango-flights or call 0860 732 548/9 for more information. T&Cs apply.

Your favourite benefits

in your pocket The free Sanlam Reality App is here!

Simple. Convenient. 24/7.

Download or find out more The Sanlam Reality App makes enjoying your benefits even easier – and more rewarding. Access benefits including discounts on Nu Metro bookings, Uber trips and Independent Gyms & Studios. Plus, chat to your Personal Assistant, access your digital membership card, store credit cards for payment and track your tier points. T&Cs apply.

Visit sanlamreality.co.za for more.