Autumn 2020
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Contents On the cover 4 BUSISWA GQULU
“Growing up, money was tight. Stability is important to me”
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SEE THE FUTURE
The powerful art of vision boarding
12 RETRENCHED?
Our experts share practical advice
16 FRIENDS AND MONEY
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Also inside
4 LIFE 10 ENTERTAINMENT 11 QUIZ
18 HEALTH 18 FULL OF BEANS
Healthy recipes with everyone’s favourite legume
22 HEALING AFTER TRAUMA
Why you need to talk about it
How cash savvy are you?
How to cope after a traumatic experience
24 CLUB 24 YOUR MEMBERSHIP
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+ Get to know a member
What does financial success look like for you? “The ability to secure a future for my son that will sustain him.”
EDITORIAL Editor Sarah Browning-de Villiers Content editor Dominique Bowen Email mag@sanlamreality.co.za Contributors Busiswa Gqulu, Cebokazi Sotobe, Lisa Katz, Lynette Botha, Melantheran Samuel, Nkateko Mabasa PRODUCTION Head of production Nicky Scheepers Traffic manager Ashleigh Tremearne CREATIVE Art director Marisa Steyn
“Being able to travel wherever I like and giving money to those less fortunate.”
CAPE TOWN HEAD OFFICE Tel: 021 487 9100 Email: mag@sanlamreality.co.za 50 Harrington Street, Zonnebloem, Cape Town, 7925 PO Box 16258, Vlaeberg, Cape Town, 8001 SANLAM REALITY PROGRAMME Head of marketing and communication Francois Uys Communications manager Lucille Moore Communications coordinator Hasina Khan
PUBLISHED BY NARRATIVE FOR SANLAM REALITY Telephone 0860 007 325
Photography: Shutterstock, supplied
NARRATIVE Managing director Gareth McPherson Business unit director Lauren Brabant Chief content officer Sarah Browning-de Villiers Account director André Nieuwoudt
“Achieving goals I’ve set for myself through conscious, consistent effort.”
SANLAM REALITY CALL CENTRE Email info@sanlamreality.co.za Website www.sanlamreality.co.za
REAL FUTURES (PTY) LTD Real Futures is a wholly-owned Sanlam Ltd company managing the Sanlam Reality programme for the Sanlam Group. Chairman Jan Steenkamp Directors Gary Allen, André Larisma, Theesan Moodley Deputy company secretary Zuko Mgawuli
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.
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 by
All content and pricing correct at time of print.
A division of Novus Holdings
Printed on paper sourced from sustainable forests.
ON THE COVER: Photography: Niquita Bento; Creative direction: Marisa Steyn; Production: Nicky Scheepers; Hair and make-up: Nomonde Ngema/The Makeup Home; Styling: Andrea Albertyn; BUSISWA WEARS: Bodysuit, Puma at Sportscene; overalls, Redbat at Sportscene; earrings, Zara; rings, H&M
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COVER STORY
Queen of Beats Singer, poet, mom and mentor, Busiswa Gqulu is all about keeping it real and inspiring others to do the same. DOMINIQUE BOWEN chatted to her about her rise from Mthatha to top Mzansi muso.
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BUSISWA WEARS, LEFT PAGE: Jacket, Zara; sports bra, Mr Price Sports; moonbag, Adidas at Sportscene; trousers, Redbat at Sportscene; socks, Cotton On; sneakers, Adidas; rings, H&M; RIGHT PAGE: Jacket and pants, Puma Select; bra top, Adidas; sneakers, YDE; necklace, Woolworths
FUN, FREE AND FULL OF ENERGY... not to mention multitalented and award-winning! These are just a few of the things we’ve come to love about Busiswa, 31, since she burst onto our airwaves on DJ Zinhle’s track ‘My Name Is’ almost a decade ago. Despite huge successes since then – including collaborating with Beyoncé for The Lion King soundtrack and two hit albums, Highly Flavoured and Summer Life – Busiswa is still true to herself. Her latest project? The launch of her own record label, Majesty Music, intended as a platform to help younger ‘queens’ realise their potential. Here she talks about mentors, music, motherhood and success.
“I found my voice on stage” “Growing up, I enjoyed reading a lot. I’ve always said, ‘A child who reads is a child who writes.’ I started writing, and then in high school, I met other people who wrote poetry. We’d go to The BAT Centre in Durban and recite to each other. That’s where I learnt to perform, to become an artist, to find my voice. I met the stage there; I was around 16.”
“Female empowerment? Say no more!” “Around that time, I met two producers who suggested that I couple my poetry with house music, so I did one or two songs with them. “The tracks were passed on to Kalawa Jazmee, Oskido’s record label. He thought I would be the perfect person for DJ Zinhle’s track. They wanted to push a female empowerment song. I thought, ‘Female empowerment? Say no more! I’m that girl!’ I ended up being signed after that.”
It’s possible to take over the world with an authentic African sound. the shows, buy the tickets, and stream my music. I enjoy connecting with people – it’s so rewarding because every show is magical. I feel like making people happy is my purpose.”
“My job is about connecting with people”
“There is power in affirmation”
“The continuous reward of my career is when people come to
“I get my confidence from my mother and grandmother. They’d
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say, ‘You’re smart and beautiful; you better go and get whatever is out there for you!’ “It’s what my mother and grandmother left with me – I don’t want to leave it to chance and let my own kids assume I love them. I want them to know that I love them. When they go through struggles, they know that I’m there for them. Autumn 2020
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COVER STORY
“Even if you’re not going to be an artist, being able to express yourself is very important, and it’ll make you a stronger person. I feel like a lot of violence and mental illness could be curbed if all kids had the opportunity to learn how to express themselves.”
“Mentors have made a huge difference in my life” “I travelled a lot with DJ Zinhle in the first year after the song was released. She taught me about composure, and about interacting
Being able to express yourself is very important; it’ll make you stronger. with people. I get a little anxious around big crowds and people wanting to take pictures all the time. I learnt about discipline from her too – about putting in the hours. She showed me how to handle all the stuff behind the scenes so that you can be your best on stage. “Entertainment is a maledominated industry, so as a woman, you’re dealing with men all the time. She taught me about protecting my space and creating boundaries, and also how not to necessarily lose my femininity while being assertive. “Thandiswa Mazwai was the first artist I saw on TV wearing beads and true African hairstyles. She’s the first person who looked like me and made me realise, ‘Oh, you can do that? You can have dreadlocks and be on TV?’ She always made me feel like you can be yourself – you can be truly, authentically African.”
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Photographer: Niquita Bento; creative director: Marisa Steyn; hair and make-up: Nomonde Ngema/The Makeup Home; stylist: Andrea Albertyn; producer: Nicky Scheepers; BUSISWA WEARS, LEFT PAGE: Bodysuit, Puma at Sportscene; overalls, Redbat at Sportscene; socks, H&M; sneakers, Converse at Office London; earrings, Zara; rings, H&M; RIGHT PAGE: Jacket, Zara; bra top, Mr Price Sport; earrings, Zara
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grandmother and my grandfather, who hustled every day to get us through. To be in a position where my career generates multiple incomes – knowing that it can also have a very short lifespan – I’m trying my best to plan for the future.”
“Stability is important to me” “When I found out that I was pregnant, one of the most worrying things for me was the fact that I didn’t have a property. I don’t ever want my son and my niece not to have a home. I moved around a lot when I was younger, so I know that kind of instability. One of the first things I did was move into a small place and then I began saving every single rand that was left. “I also started reading up on trust funds and trust accounts, and ways to secure my financial future. It’s very important to me because I lost my mother and my grandmother – the people who put me through school. Once they passed on, it felt like I had nothing and no one. I had to work and fend for myself. I’m really trying hard to secure a future for my son that will sustain him. I also have a financial adviser; we discuss what I can do to ensure that my son will go to a good school.”
“You’re growing, you’re learning, it’s cool” “Having kids, I’ve learnt to not sweat the small stuff. Being a mom to Lakhanya is something I really love and enjoy. I’m raising my eight-year-old niece too. Between the two of them, they teach me a lot about myself and they’ve made me far more patient.”
“Growing up, money was so tight” “My grandfather was a herbalist who ran his own chemist. He would www.sanlamreality.co.za
I’m working hard to secure a future for my son that will sustain him. make medicines, sell them, and then after work buy meat for supper each night. If he didn’t come home with any meat, it didn’t go well at the shop that day. My mother was always doing odd jobs, so whatever money she made she would spend on treats, like eating out. Growing up, I realised that I don’t want to live like that. “I’m grateful for my mom, my
“Success is how many lives I’ve changed” “I’ve seen many young and talented queens who just need a platform to shine, so that they can have what I have for my family, for their families. The reason I launched Majesty Music was to help some of them. That’s my aim – a version of success I haven’t achieved yet. I’m working on it.” Autumn 2020
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VISUALISATION
VISION BOARD YOUR FUTURE
’t know where to Want more out of life but don conquer your goals start? Identify, visualise and can make yourself. with this simple tool that you
WHAT IS A VISION BOARD? A vision board is a physical representation of your dreams and goals that aims to motivate and inspire you to take daily action to achieve them. While it can take many forms, a vision board generally takes the shape of a collage of images and written affirmations on a large piece of cardboard.
WHO SHOULD CREATE A VISION BOARD AND HOW OFTEN? Anyone who has dreams and goals they want to achieve can create a vision board. Donna McCullum, who calls herself ‘The Fairy Godmother’, has helped hundreds of people through her Dream Map workshops. She suggests you develop a vision board every 12 to 18 months. Why? Because, just like financial or health goals, life goals need constant reviewing and adjusting.
THE SCIENCE BEHIND IT The power of visualisation Visualisation helps the mind know what to focus on. The biological explanation behind this is called the reticular activating system (RAS). It acts as a filter, determining what we notice and give attention to with our conscious mind. Your RAS takes note of what it believes is important and reinforces your thoughts and beliefs. To use RAS to your advantage and to notice opportunities that’ll bring you closer to your goals, you must programme it accordingly. One way to do this is by visualising your goals and then physically mapping them out. This is where vision boards come in. According to psychologist Claire Newton, by looking at your vision board every day you are more likely to choose the things on your vision board as you go about your daily life. “It’s making these choices and taking the necessary action that results in you living the life that you want,” says Newton.
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MAKE YOUR OWN VISION BOARD What you’ll need: • 2–3 (uninterrupted) hours • 10 magazines • Scissors • Glue • 2 pieces of A1 cardboard • Prestik • Pen
Method: To start, lie down on the ground; just breathe and relax for a few minutes. Then, page through your magazines and tear out any images, words or symbols that immediately grab your attention. Don’t think about it, just tear. Work from your first instinct – don’t try to rationalise anything at this point. Cut out what you’ve chosen and lay the cuttings out in front of you. Choose one image or word that represents you the most and stick it in the middle of your board. Glue the rest of the cuttings wherever you want to around the central image or word until you’ve filled your first A1 board. Once complete, use Prestik to mount it on a wall. Now, spend a few moments looking at it to identify your goals and dreams. Visualise yourself achieving each of them and how it feels. Then, on your next piece of A1 cardboard, make notes on each goal and any feelings that may arise.
Text: Lisa Katz; Photography: Shutterstock
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NOW FUND YOUR DREAMS USE YOUR SAVINGS CALCULATOR See how much cash you need to set aside to reach your savings goal with our free savings calculator: www.sanlamreality. co.za/wealth-sense/ savings-calculator.
USING YOUR BOARD TO ATTAIN YOUR DREAMS Look at your vision board every day Your vision board should serve as a daily reminder to work towards the goals you’ve set. Life coach Thembi Hama suggests that you put it up in a place where you can see it first thing in the morning and last thing at night.
Work to achieve your goals
You’ve identified your goals, now to sort the finances to make them happen! With the help of Theesan Moodley, General Manager: Sanlam Financial Advisers, we’ve outlined tips to help you fund your vision.
+ DETERMINE HOW MUCH MONEY YOU’LL NEED Do some research to determine how much your dream is going to cost. Take a look at your finances and work out how much money you are able to contribute towards it each month. Work this into your monthly budget. + START A ‘DREAM’ FUND Dedicate an account or savings pocket to the money you save to fund your dream. + HAVE A TIMELINE (BUT BE FLEXIBLE) Establish a timeline of the progress you’d like to make to achieve your dream financially. Edit your timeline if necessary; don’t put too much pressure on yourself if you’re not quite on track. + PUSH THROUGH THE TOUGH TIMES Reaching key money milestones can take time and commitment, but when you see the fruits of your labour, you’ll realise it’s worth the energy.
For each of your goals identified, visualise the steps you need to take to achieve them. Write down these steps and set out to achieve them daily. “Your vision board is not merely to look at. It takes constant work to achieve your goals,” says Hama.
Document your progress Pair your vision board with a journal and document the action you’re taking to make your dreams come true, along with any progress you’ve made. (This is important, especially for when you review your vision board and goals in 12 to 18 months’ time.)
Celebrate your success When you notice progress towards your vision, no matter how small, celebrate it. This will keep you motivated to continue your journey.
SPEAK TO AN EXPERT Get expert advice to help you achieve your financial dreams and goals. Speak to a trusted financial planner by visiting www.sanlamreality.co.za/contact-anadviser or calling 0860 00 7325.
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ENTERTAINMENT
It’s movie time! Get R30 movie tickets at Nu Metro, just for being a Sanlam Reality member. WATCH THESE FOR ONLY R30!
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PAY R30 FOR MOVIE TICKETS Pay just R30 for a 2D ticket and R35 for a medium refreshment combo at Nu Metro using your benefit. Book via the free Sanlam Reality App, or call 0860 00 7325.
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2 / ARTEMIS FOWL Follow 12-year-old genius Artemis Fowl on his mission to discover the reason behind his father’s disappearance. Filled with magic, mystery, fairies and criminals, this adaptation of the much-loved children’s book will entertain you and the kids alike. Release date: 29 May 3 / TOP GUN: MAVERICK This sequel is one of 2020’s most hotly anticipated films. Tom Cruise is joined by Miles Teller and Jon Hamm in this high-action movie. Release date: 3 July
HOLIDAY FUN FOR EVERYONE! When you buy a Computicket ticket for up to R80, you get another to the same event free. ROCK DA SHADES GARDENS AT THE LAKE, GERMISTON LAKE Dress your best and get a taste of island life at Ekurhuleni’s Hawaiian-inspired music festival. Tickets: from R70 (cooler box entry) When: 4 April WE LOVE SOCCER! Catch these Absa Premiership League matches at a stadium near you. Pay just R40 for adults and R20 for kids. 11 April: Kaizer Chiefs vs Stellenbosch, Soccer City, Gauteng 24 April: Kaizer Chiefs vs Bidvest Wits, Bidvest Stadium, Gauteng 6 May: Kaizer Chiefs vs Chippa United, Soccer City, Gauteng.
SAVE ON TICKETS You can buy one, get one free on Computicket (up to R80/ticket) as part of your Reality Club benefit! Book at www.sanlamreality.co.za/benefit/ computicket or by calling 0860 00 7325.
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Text: Dominique Bowen; Photography: Shutterstock. Pricing correct at time of print.
1 / THE NEW MUTANTS X-Men enthusiasts, listen up! The 13th and final instalment in the series is here. What happens when the superheroes-intraining have to get to grips with their superpowers while being held captive in a secret facility? You’ll have to watch to find out! Release date: 3 April
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QUIZ
life
How cash savvy are you? Are you thrifty or do you throw caution to the wind when it comes to handling your cash? Take this quiz to find out.
1. Ding! You just got your salary notification. You…
4. When it comes to the kids’ school fees, you…
A Immediately click ‘checkout’ on that payday spoil saved in your online basket. B Pay rent, then watch those store card payments deplete your funds. C First pay future you by transferring 10% of your salary into a savings or investment fund, then sort out everything else.
A End up paying the interest on top of the late payments. B Pay in monthly instalments and generally always on time. C Try to pay the year upfront in full for that early-payment discount.
2. How do you budget meals monthly?
A More like ‘How do my credit cards
A I wing it until I’m eating whatever’s
left in the cupboard. B I don’t really keep check on prices, but somehow, I make it every month. C I’ve become a coupon collector – it pays off in a big way!
3. What investments do you have? A *Crickets chirping* B No investments, but I do have
Text: Dominique Bowen; illustration: Shutterstock
a savings account that I try to top up. C I have a retirement annuity, a policy or two and a 32-day notice account, just in case.
5. How do you handle your credit cards? handle me?’ B I aim to pay mine off before 55 days are up, to avoid interest. C I’m consistent with my instalments, and I get money back too!
6. Whoop! Guess who got a tax refund from SARS? You did! You… A Splash out on a new wardrobe – not that you have cupboard space for it…. B Make a dent in your debt with one half, and take your friends out for lunch with the other. C Put it into your tax-free investment to save even more.
Answers*: MOSTLY As: Saving is not a priority for you. Lineo BlueStar financial planner Sechaba Bolofo says: “Before spending your salary, allocate your savings first. You don’t have to start off with a big amount.”
MOSTLY Bs: Oh dear, it seems debt is absorbing your cash. “You need to get to a point where you put yourself first,” says Bolofo. “Clear as much debt as possible, especially short-term debt, including retail accounts.”
MOSTLY Cs: Impressive! Now share your knowledge. “It’s great to adopt a savings culture with your partner or children so that you can all keep an eye on each other and motivate and encourage each other to save more,” says Bolofo.
*This quiz is not intended to replace the advice of an expert, a professional financial planner or a debt counsellor. For advice and information about managing your debt, visit ncr.org.za or call 0860 627 627.
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WAYS TO USE SANLAM REALITY TO HELP YOU BUDGET + START SAVING Work out how much interest you’ll earn or how much cash you need to set aside each month to reach your savings goal with our free savings calculator: www.sanlamreality.co.za/ wealth-sense/savingscalculator.
+ BECOME A COUPON ADDICT Did you know that you get monthly discount coupons for your grocery shop at Checkers or Shoprite thanks to Sanlam Reality? Visit www.sanlamreality.co.za/ benefit/discount-coupons or dial *134*20019# from your cell phone. + PLAN FOR RETIREMENT Use the retirement calculator tool to find out how much you need to save monthly to enjoy your golden years in comfort: www.sanlamreality.co.za/ wealth-sense/retirementcalculator. Autumn 2020
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money
RETRENCHMENT
You’ve been
NOW WHAT?
RETRENCHED As the country’s economy struggles, retrenchments are becoming increasingly familiar. Here’s what to do if it happens to you. By CEBOKAZI SOTOBE
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ACROSS INDUSTRIES, THE RISK OF RETRENCHMENT HAS BECOME COMMON. “The South African economy is not doing well at all, which means businesses and households aren’t doing well. So companies are taking extreme measures to stay afloat,” says economist Thulani Jojwana.
How retrenchment works According to the ‘Basic Guide to Retrenchment’, published on the Department of Labour’s website, employers must consider alternatives to retrenchment, consult all the relevant parties when considering it and, if unavoidable, fair procedures must be followed. Daniel Zantsi, a legal practitioner, explains that the most critical step is ensuring that the process is procedurally and substantively fair throughout.
What is ‘substantively’ fair? “Substantively fair means that the company needs to give good reason for the retrenchments. For example, the company could explain that given the economic or industry conditions, the business has embarked on a cost-saving exercise that has resulted in retrenchments. “The company would also need to explain the alternatives to retrenchment that were considered, and explain why these options were rejected.”
GET FREE LEGAL HELP As a Sanlam Reality member, you have access to free legal help over the phone, 24/7. Call 0860 732 548/9 or visit www.sanlamreality.co.za/benefit/legal-assist for more.
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What is ‘procedurally’ fair? Part of the procedurally fair process is to inform all workers that the company is considering retrenchment. Companies that do not adhere to the Labour Relations Act in retrenchment processes can find themselves at the CCMA (Commission for Conciliation,
HOW TO DEAL WITH DEBT IF YOU’VE BEEN RETRENCHED It’s been three months since Thabo Mngoma, 35, was retrenched from his job. Due to this, he has been unable to pay his rent or car payments, resulting in a poor credit score. He’d like to consolidate his debt but he can’t due to his rating. Piet van der Walt, business head for Sanlam’s credit and transactional products, says: “Thabo won’t get a consolidation loan while he is unemployed, as he won’t be able to afford the instalment without steady work.” 1 NEGOTIATE WITH YOUR CREDIT PROVIDERS Van der Walt suggests that Thabo approach each of his credit providers and explain his situation. “He could qualify for an instalment holiday for a few months, or a reduced instalment. Be honest with credit providers if you cannot pay them rather than skipping payments.” 2 CONSIDER DEBT COUNSELLING As a last resort, he can consider debt counselling – here, there will be intervention on his behalf with credit providers, as well as advice and guidance supplied on how to get out of debt.
RETRENCHMENT
Mediation and Arbitration; www.ccma.co.za). “Consultation – discussing the retrenchment process and its reasons – is a key part of the procedure,” says Zantsi. Your company should be sharing all
pay for each completed year of continuous service. In addition, you should be paid out for any leave owed to you – for example, if you have five days’ leave owed to you, and you will no longer be able to take
The company also needs to advise what help they will offer, such as giving you time off to attend job interviews. of this information with you in order to adhere to a procedurally fair process. You have the right to ask questions and seek outside, expert help if you wish.
Will I get paid out? A company must also let employees know about what form their severance pay will take. Severance pay – or your retrenchment package – must be equal to at least one week’s
these days off, these days must be paid out to you. The company also needs to advise what help they will offer, such as giving you time off to attend job interviews or assistance in finding work in other parts of the business. Zantsi adds that you will receive many documents during the process; it’s important to read and keep all those documents, should you need to provide evidence that you were retrenched.
CLAIMING FROM UIF
Cebile Xulu, a Jo’burg-based HR director, says the Unemployment Insurance Fund (UIF), will assist during periods of unemployment. Every month, all employees working for more than 24 hours per month must be registered by their employer to contribute 2% of their basic salary towards UIF. One percent of this contribution is deducted from the employee (you) and the other is a contribution by the employer.
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The UIF is administered by the Department of Labour, and people who are temporarily unemployed can apply for income from the fund.
Who can claim? The Department of Labour stipulates that all workers must be registered to contribute to the fund unless they work less than 24 hours a month for an employer, are learners, public servants or foreigners who will return to their country at the end of their contract.
GET EXPERT HELP Speak to a financial planner to discuss income protection, as well as your financial needs if you are facing retrenchment. Visit www.sanlamreality.co.za/ contact-an-adviser or call 0860 00 7325.
How to prepare for the worst While the prospect of losing your job is frightening, Zantsi stresses the importance of preparing. “Income protection insurance policies are one example of a way to prepare for the unexpected loss of your job,” he says. He also suggests that you constantly consider improving your skills so that you remain employable. Keep your professional profiles, such as your LinkedIn profile, up to date so that you’re growing a strong network even when your job feels secure… just in case.
However, simply having made contributions to the fund doesn’t mean you will be eligible to claim benefits, as there are exclusions, which include: those already receiving benefits from the Compensation Fund, or those that became unemployed through their own fault (you voluntarily resigned, absconded or were found guilty of fraud, for example). Xulu adds that workers who voluntarily resigned as a result of constructive
dismissal (when your employer changes the nature of your job or responsibilities in order to encourage you to resign) have a right to claim from the UIF. You will need a legal body such as the CCMA to prove that you resigned for this reason though.
How to claim Claiming can be done for free online via uFiling; visit www.ufiling.co.za and register for a uFiling account.
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Photography: Shutterstock
money
HOW TO FIND A NEW JOB Leigh La’Fember, Head of Recruitment at Accsys Recruitment and Talent Management agency, shares her tips: + Edit your CV according to the key points highlighted in the advertisement for the vacancy. This allows a recruiter to easily match your CV to the job specification. + Use CV builders to modernise your CV. Try a free online design tool like Canva (www.canva.com). + Keep your CV as visual as possible and keep key info to the front page. Avoid a CV that’s longer than two pages. + Establish a relationship with recruiters by seeking feedback on the jobs you’ve applied for and didn’t get. + Use multiple platforms to apply for jobs, as not all companies use the same platform to advertise vacancies.
WHERE TO LOOK? Google the search term ‘recruitment agencies’ and include keywords describing your industry, skills, specialisations and your location to find relevant recruitment sites and companies. You can also try: PNet – www.pnet.co.za LinkedIn – za.linkedin.com Careers24 – www.careers24.com Job Monster – www.jobmonster.co.za Professionals Connect – www.professionalsconnect.co.za
You will need your UIF registration number, South African ID number, an email address and banking account details in order to register. Once registered, additional documentation may be required to process your claim, such as a signed UI19 form from your previous employer stating why you are no longer employed with them or the company. You can also claim via your nearest Department of Labour office.
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CONVERSATIONS WITH FRIENDS
How to have
MONEY conversations with friends Take things from awkward to all good with these tips.
“Money is a big part of managing any type of relationship, and being able to have conversations about finances means that your friends know what your boundaries are,” says Nicolette Mashile, founder of Financial Fitness Bunnies. Here’s how to tackle those conversations without ruining friendships.
Splitting the bill The situation:
Settling the bill fairly at the end of the night often depends on who you are out with. Splitting the bill equally isn’t always fair. Mashile explains: “For example, if you didn’t drink alcohol, and people have ordered bottles of champagne.”
Lending people money can ruin relationships. It’s best to set boundaries early. What to do: Be honest early on It helps to set the right expectation before you and your friends start spending. Prior to going out, let your friends know you’re trying to cut back and won’t be splitting the bill or sharing a bottle of wine. This way you avoid
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disagreements several glasses of wine later. “Be open with your friends and tell them you are unable to afford what is expected,” says Sechaba Bolofo, a financial planner at Lineo BlueStar.
Month-end outings The situation:
When you’re caught in a tug-of-war between your bleak bank account and serious FOMO, it’s often hard to turn down invitations.
What to do: Suggest a Plan B Mapalo Makhu, founder of a personal finance education platform called Woman & Finance, and author of You’re Not Broke, You’re Pre-Rich, advises: “Invite friends to your place. Let them bring some bubbly and you offer to cook whatever’s in your fridge. You’ll still have fun, but with minimum cost.”
Budget so that it doesn’t happen again If you constantly find yourself strapped for cash, it’s time to review your budget. www.sanlamreality.co.za
My friends and family know that I don’t spend money that I don’t have and I’m not ashamed to let them know. “You need to allocate monthly funds for entertainment so you don’t feel too much strain when going out,” says Bolofo.
The forever lender The situation:
“Lending people money can ruin relationships,” says Mashile. “It’s best to set boundaries early.”
What to do: Protect your friendship “Sit down with your friend to discuss the behaviour. Let them know that you value their friendship and therefore you will no longer be lending them money, for the sake of the relationship,” suggests Makhu.
Text: Dominique Bowen; Illustrations: Shutterstock. Pricing correct at time of print.
Gift them the right help (not your help) “Perhaps gift them with an online course, a book or a financial coaching session to help them manage their money better,” says Makhu. “Assist them to work out a budget so that they are able to manage their finances independently.” Bolofo agrees: “Suggest that they seek financial advice in order to follow the basic steps of budgeting and prioritising things.” Help them set up a meeting with a financial planner to show them your support.
Win!
Win one of three copies of Mapalo Makhu’s best-selling book You’re Not Broke, You’re PreRich, packed with tips to help you live your best financial life. To enter, use any of your Sanlam Reality benefits between now and 30 June 2020. Three winners will be drawn at random and notified directly. T&Cs apply.
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Protect yourself “If you are adamant that you trust your friends with a loan, then I suggest drawing up a simple contract,” says Mashile. It should include the lender and borrower’s full names, how much was borrowed, the date it was borrowed, the date the borrower has agreed to repay the outstanding amount, and both of your signatures.
Contributing to their wedding/ party The situation:
You’re invited to a weekend wedding, which means it includes costs like travel, accommodation, an outfit and a gift. Expensive! Or, you’re invited to a party but your friend or family member asks you to contribute to a part of it, for example catering or decor.
What to do: Be okay with saying ‘no’ While we all want to celebrate and support our friends and family, few events are worth going into debt over. It’s okay to not be able to afford everything, and the sooner you’re honest about this, the better. “My friends and family know that I don’t spend money that I don’t have and I am not ashamed to let them know,” says Makhu.
Communicate clearly ahead of time “One of my friends was getting married and as a bridesmaid it came with many additional expenses,” explains Makhu. “There was one expense I just couldn’t pay for without dipping into my savings, which I was not really prepared to do. So I told her and she paid for it on my behalf. A few months later I took her out for a lovely lunch to say thank you for paying for the portion that I couldn’t cover.”
SAVE WHILE HAVING FUN! Why not use your Sanlam Reality benefits to save while spending time with friends? You get R30 Nu Metro tickets and buy one, get one free (up to R80) on Computicket. Call 0860 00 7325 or book Nu Metro movie tickets in the free Sanlam Reality App.
Autumn 2020
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health
RECIPES
Delicious dinner ideas with
baked beans Think baked beans are boring? Think again! Here are two great ways to add this affordable ingredient to your meals. Baked beans and salsa wraps Serves: 4 Ingredients • 2 medium tomatoes, deseeded and finely cut • 30ml (2 tbsp) fresh coriander, chopped • 4 soft flour tortillas • 1 can (410g) Koo Baked Beans in Chilli Sauce • 250ml (1 cup) lettuce, chopped • 50g (½ cup) cheddar cheese, grated • 125ml (½ cup) sour cream • 125ml (½ cup) storebought salsa or All Gold Mexican Style Diced Tomatoes Method Preheat oven to 180°C. Place 2 tortillas onto a baking sheet and warm in oven for 10 minutes. Alternatively, place between a paper towels and warm in the
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microwave for 20 seconds on high. Repeat with the remaining tortillas. In a small bowl, mix together tomatoes and coriander. Set aside. Place baked beans in a small saucepan and heat through. To serve, spread ¼ cup of the baked beans on 1 tortilla. Top with ¼ cup lettuce, ¼ cup of the tomatocoriander mixture and 2 tablespoons of cheese. Fold the sides and the bottom of the tortilla up over the filling and roll up to close. Garnish with 1 tablespoon of sour cream and 2 tablespoons of salsa. Repeat with the remaining tortillas and serve immediately.
DID YOU KNOW? Baked beans are a great source of fibre and protein, and contain folic acid – especially good if you’re pregnant or trying to conceive.
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Autumn 2020
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health
RECIPES
Spicy mince and baked beans in curry sauce Ingredients • 45ml (3 tbsp) sunflower oil • 1 large onion, finely sliced • 15ml (1 tbsp) ginger and garlic paste • 3 sticks cinnamon • 2 bay leaves • 1 star anise • 3 green or black elaichi (can also use cardamom) • 4 whole cloves • 15ml (1 tbsp) chilli powder • 30ml (2 tbsp) Kashmiri masala • 5ml (1 tsp) turmeric powder • 5ml (1 tsp) ground coriander • 5ml (1 tsp) ground cumin • 1 kg mutton or beef mince • 3 sprigs of thyme • 2 sprigs of mint, chopped • 3 curry leaves • 4 green chillies, chopped (deseeded for less heat) • 2 medium tomatoes, grated • 2 cans (820g) of Koo Baked Beans in Curry Sauce • 5ml (1 tsp) garam masala • Salt, to taste • Fresh coriander, to garnish Method In a large, heavy-based saucepan, heat oil and sauté the onion, garlic
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and ginger paste, until onion is golden brown. Add the whole spices; cinnamon, bay leaves, star anise, elaichi and cloves. Fry for 30 seconds. Add chilli powder, Kashmiri masala, turmeric, coriander, and ground
cumin powder. Fry for 30 seconds. Add the mince with the thyme, mint, curry leaves, green chillies, tomatoes and salt. Mix well so that the mince is well coated. Cook for about half an
hour. Add a little warm water if necessary. Add baked beans and cook for a further 5 minutes. Garnish with garam masala powder and fresh coriander. Serve with hot rice and roti or naan bread. www.sanlamreality.co.za
Recipes and photography: courtesy Koo with Melantheran Samuel Naidoo
Serves: 4-6
competition
win
your share of R20 000 in shopping vouchers! There are 100 vouchers, each worth R200, up for grabs. Winning is easy!
HOW TO ENTER • Log in to the Sanlam Reality website www.sanlamreality.co.za/benefit/discountcoupons or dial *134*20019# and follow the prompts to request your discount coupons. Competition closes 30 April 2020. • Once you’ve requested your discount coupons, you will automatically be entered into the competition. • 100 winners will be randomly drawn and contacted once the competition has closed. Good luck!
Competition closes 30 April 2020. Terms and conditions apply – for full T&Cs, go to www.sanlamreality.co.za/terms-and-conditions.
www.sanlamreality.co.za
Winter 2019
21
health
HEALING AFTER TRAUMA
How to HEAL AFTER TRAUMA Traumatic experiences are a part of life, but they need not hold you back. Finding the right help and advice after an incident is paramount. By LYNETTE BOTHA and NKATEKO MABASA
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Trauma is defined as a deeply distressing or disturbing experience. For example: the death of a child, being raped or having been involved in a hijacking. One result of these terrible experiences can be post-traumatic stress disorder (PTSD), a mental health condition. Symptoms include flashbacks, nightmares and severe anxiety, as well as uncontrollable thoughts about the event. Dr Eugene Allers, a leading psychiatrist, believes that up to six-million South Africans could suffer from post-traumatic stress disorder. But it’s not all doom and gloom – there are coping strategies to overcome traumatic events.
SITUATION: robbery or hijacking Thloki*, 33, was the victim of a hijacking at the age of 31. “I thought I was going to die. I still have visions of the attacker breaking through my car window with a brick,” she says. Thloki didn’t know what to do or where to seek help – so she didn’t. “I became withdrawn; I stopped going anywhere except to work – and even that I skipped often, because I was afraid something similar may happen to me. I started drinking to forget, until
a few months ago when I got help through SADAG (the South African Depression and Anxiety Group).” How to begin healing: Immediately after the incident, get to safety and then report the crime to the police. In the days following, seek professional help, don’t isolate yourself, join a support group and avoid substance use.
SITUATION: sexual assault or rape
Photography: Shutterstock; Source: SAPS Report 2019
Over 50 000 cases of sexual assault and rape were recorded between 2018 and 2019 in South Africa*; an average of 114 cases per day – and these
I locked those memories away; I was not aware that they were a source of trauma. are only those that have been reported. Tleho, 23, was just five years old when she became a victim of rape. “I locked those childhood memories away for many years; I was not aware that they were a source of trauma. A recent trigger at a party brought everything flooding back. “When I was little I had convinced myself that I had done something to cause the rape. My guilt made me suppress the memory,” she explains. A friend suggested that she see a therapist, and following her first consultation, the therapist recommended she be admitted to Akeso Psychiatric Hospital
in Jo’burg’s Parktown, where she stayed for 21 days. “It was lifechanging. I was taught helpful techniques and tools to handle various situations. I was challenged to revisit the trauma and accept that it wasn’t my fault.” How to begin healing: Get to a safe place, contact a trusted friend or family member and go to a hospital or doctor within 72 hours for medication or an emergency contraceptive. Ask for referral to a rape forensic unit – a unit at selected government hospitals where doctors provide specific tests to care for rape victims, as well as collect evidence
GOT HIV? THERE IS GOOD NEWS Being diagnosed with HIV can also cause trauma, but the diagnosis is not as terrifying as it was years ago. Sibulele Sibaca, founder of Colour My HIV, believes that it’s time to change how we see HIV. In an interview with UNAIDS, she says, “I want to get to a point in South Africa where being HIV-positive is like having any other chronic disease – diabetes, high blood pressure. It’s a manageable illness. “People think that when you contract
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HIV it is a death sentence. It’s no longer that at all. South Africa has one of the most well-implemented HIV treatment programmes in the world.” Treatment is recommended as soon as you are diagnosed, as antiretroviral drugs allow you to live a long, normal life and can help prevent HIV transmission to your children if you become pregnant. For more information and resources: www.aids.org.za or www.unaids.org.
TYPES OF TRAUMA These include bullying, physical, mental and emotional abuse, natural disasters (like surviving a flood), and being involved in a car crash. Witnessing tragic events can also cause trauma (like seeing someone being beaten up or die in an accident).
on behalf of police, which may help your case. Report your attack to the police, who can refer you to free counselling and medical assistance. *Name has been changed
GET FREE TRAUMA CARE You have free access to Trauma, Assault & HIV Assist as one of your benefits. Get 24-hour medical assistance and counselling telephonically by calling 0860 00 7325.
Autumn 2020
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club
GET REAL
MEET THE
MEMBER
LATEACIA BARNES, 35, is a mother of two from Bishop Lavis in Cape Town. She’s been a Reality Club member for over a year.
Make the most of your Reality Club membership These are all the benefits and discounts available for you to enjoy.
“It means more family time spent together. My youngest daughter enjoys ice skating, and we love our family movie time too. The Nu Metro movie and refreshment combo discounts make it easy to save on these outings. The Sanlam Reality App also makes booking easy.”
“It’s not only about savings – there is so much more at my fingertips” “I get health and wealth tips on Sanlam Reality’s Wealth Sense online portal about making the right decisions with my finances, and advice about how to budget, save and invest.”
BENEFIT PAY R30 FOR MOVIES Use the free Sanlam Reality App to book R30 2D tickets and R35 refreshment combos at Nu Metro or call 0860 00 7325.
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Autumn 2020
Sanlam Gap Cover
Extra cover for your hospital stay
TaxTim
Easy tax returns with TaxTim
Wealth Sense
Online financial assistance
Day-to-Day savings Discount Coupons
Savings at Shoprite and Checkers
Discounted magazines
Get up to 45% off magazine subscriptions
Health Planet Fitness Gym
20% Off a 12-month contract
JustGym
Up to 60% off a 12-month contract
Travel Intercape Bus
Get 50% off; two tickets per year
Entertainment
GET FREE HOMEWORK HELP Your children enjoy free access to homework help. Visit www. sanlamreality.co.za/ benefit/dial-a-teacher or call 0860 00 7325.
“Get homework help in a flash” “My children have easy access to assistance with research, school projects and mathematics using the Dial-A-Teacher benefit. As a working mom
OFFER
Wealth
I don’t always have time for day-to-day admin activities. So when I need quotes or errands run the Personal Assistant benefit really helps me with this.”
Nu Metro movies and refreshments
R30 a 2D ticket, R35 a refreshment combo (10/month)
Computicket shows and sport
Buy one ticket, get one free (up to R80)
Reality Club magazine
Three times a year
Personal services Personal Assistant
On call, 24/7, 365 days a year
Dial-A-Teacher
Educational help and call-back service
Legal Assist
Legal helpline (office hours)
Trauma, Assault & HIV Assist
Expert assistance helpline (24/7)
Use this benefit in your Sanlam Reality App. For more, call 0860 00 7325, visit www.sanlamreality.co.za or email info@sanlamreality.co.za. Benefit T&Cs apply. www.sanlamreality.co.za
Interview: Xxxxxx; Photography: Xxxxxxx Supplied, Shutterstock Interview: Dominique Bowen; Photography: Shutterstock. Pricing correct at time of print.
“The Nu Metro benefit is my favourite”
Your Discount Coupon benefit just got even better! You already enjoy discount coupons to save on your shopping trip. But we’ve just made your benefit even better – here’s how.
How the new process works Access your coupons via your mobile device or the Sanlam Reality website: What’s changed? • You get monthly discount coupons, which you can use at Shoprite or Checkers. • They will be available via your mobile phone and the Sanlam Reality website www.sanlamreality. co.za/benefit/discount-coupons.
Good to know • Discount coupons that you’ve selected must be used within 30 days of receipt via SMS. • Coupons can only be redeemed once. • Need help? Call 0860 00 7325 and an agent will assist. • Ensure we have a mobile phone number on record for you. If not, update your details via the website or by contacting 0860 00 7325.
1 2
Make sure your contact number on record with us is correct
4
Dial *134*200019# and enter your ID number to view the coupons available to you
Log into the Sanlam Reality website to select the coupons you wish to redeem
%
OR
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Select the coupons you would like; they will be sent to you via SMS
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Your chosen coupons will be sent to you via SMS
To find out more, go to www.sanlamreality.co.za/benefit/discount-coupons
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Redeem by showing the SMS at the till before you pay at your next Shoprite or Checkers shopping trip
KINGJAMES 48706
That’s why Sanlam pays most valid funeral claims in 4 hours. Terms and conditions apply. Excludes Sanlam Employee Benefits Funeral Insurance.
SMS “Funeral” to 37166 for a callback.
Sanlam is a Licensed Financial Services Provider.