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ISSUE 6 WINTER JUNE/JULY 2020

Financial risks facing retirees in the COVID-19 era

How to keep your hands moisturised during the pandemic

Book excerpt: Maye Musk SA-born billionaire Elon Musk’s mother on making grey hair glamorous

SEE INSIDE FOR

READER GIVEAWAYS

SIR DAVID ATTENBOROUGH

The 94-year-old force of nature makes his ‘witness statement’

Is your retirement portfolio inflation-proof?

Pitika Ntuli’s

‘Sangoma’ bone sculptures


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Contents

6

ED’S NOTE & UPFRONT

Where to go, what to read, buy and drink.

TRAVEL 12 TRAVELLING WITHOUT MOVING

Physical travel has been impossible under lockdown, so we bring you a photographic celebration of nature at home and away.

FEATURE

to improve the sustainability of your retirement income. 23 RISKS FACING RETIREES IN THE COVID-19 ERA

24 PROVIDING SECURITY IN INSECURE TIMES

16 VOICE OF NATURE

At 94 years old, the most famous voice in natural history documentary, Sir David Attenborough, still has a lot to say.

Insight from Coronation on how investors near or in retirement can protect themselves through the times that lie ahead.

Content partnership: Finbond says safe and secure retirement investments are the key to providing for one’s silver years.

26 NAVIGATING THE ROUTE TO A COMFORTABLE RETIREMENT

MONEY 20 IS YOUR RETIREMENT PORTFOLIO INFLATION-PROOF?

With large financial decisions to be made, there are many benefits to playing an active role in your retirement journey.

Stephen Katzenellenbogen of NFB warns against making knee-jerk decisions about money at the moment.

HEALTH 28 STAYING FIT DURING LOCKDOWN

Stay fit without leaving home.

22 CHANGE YOUR LIVING ANNUITY, NOT YOUR DRAWDOWN RATE

30 HOW TO KEEP YOUR HANDS MOISTURISED DURING THE COVID-19 PANDEMIC

4

Content partnership: Johann Swanepoel of Just Retire says the current market conditions present a unique opportunity SILVER DIGEST // WINTER 2020

What to do when hand sanitisers damage your skin.

32 BOOST YOUR IMMUNE SYSTEM

Stress, bad health habits and

poor nutrition compromise the immune system. 34 ARMOUR YOUR IMMUNE SYSTEM

Antioxidants for joint pain, tinnitus and boost immunity.

LEISURE BOOKS 36 Read this extract from A

R e agdievreaway

Woman Makes a Plan: Advice for a Lifetime of Adventure, Beauty, and Success, the new memoir by Maye Musk, mother of South African-born entrepreneur Elon Musk. Plus, we have two copies to give away.

ART 40 Pitika Ntuli’s exhibition of

‘Sangoma’ bone sculptures debuts at the virtual National Arts Festival. RECIPES 42 Instagram food personality

Naqiyah Mayat’s new cookbook, The Beginning: Indian Recipes from my Home, brings together local Indian culture and food memories. MOTORING 46 The iconic Range Rover turns

50 this year. 50 CROSSWORD


Club

Join today

it’s FREE!

spend R5

earn 2 points = 20c

on Wednesday purchases ClubCard members over the age of 60 earn double points every Wednesday.

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Not yet a member? Join on the app or in-store.

Terms & conditions apply. To view, visit www.clicks.co.za. ClubCard members over the age of 60 are automatically opted in to Seniors Club.


Ed's note …

I

@SILVERDIGEST

f one thing has come to define

photographic visions from the outside

life in 2020, it has been the global

world. It’s a reminder that there is still a

COVID-19 pandemic. Our lives have

beautiful world out there!

been altered so dramatically since the last issue of Silver Digest that we can

On our cover, the inimitable Sir David Attenborough, the 94-year-old

barely recognise ourselves. The effects of the pandemic have rippled through every aspect of our lives – from our finances to our forgotten travel plans and, of course, our health. Live theatre, music, dining

adventurer, has certainly seen We would love to hear your thoughts, comments and suggestions. Mail me at Graham.Wood @newmedia.co.za I look forward to hearing from you.

out, even shopping suddenly vanished from our cultural

more of that world than most. He had planned to launch his latest film and book this April, but has postponed it until October as a result of the lockdown. He calls his latest offering a ‘witness statement’. What

Attenborough makes clear is that

landscape. So, inevitably, this issue of

his career, however inadvertently, has

the magazine reflects these changes. Our

traced the decline of the natural world.

money section is packed with insights

He insists, however, that it’s not too

to allay financial fears and provide

late to do something about it. Another

some clarity and practical advice for the

crisis can be avoided. And it’s that which

tumultuous times that still lie ahead. In

makes him so inspiring: optimistic and

our health section, we focus on immunity

determined at 94. As we re-emerge into

and staying fit and healthy, especially

a strange new world, let’s remember that

while confined to our homes. And our

there are still things we can do to leave

travel feature, rather than providing a

our legacy intact.

tantalising glimpse of the possibilities for your next trip, instead brings you

Graham

Giveaway

We have two copies to give away of A Woman Makes a Plan: Advice for a Lifetime of Adventure, Beauty, and Success, the new memoir by Maye Musk, mother of South African-born billionaire entrepreneur Elon Musk. Read the extract on page 36 and see page 38 for details of how to enter.

Winners…

In issue #5 of Silver Digest, we gave away a signed copy of Prue Leith’s new book, The Vegetarian Kitchen: Essential Vegetarian Cooking for Everyone. The lucky winner was Kevin von Berg, Waterfall, Midrand. We also had two copies of Rodney Trudgeon’s Concert Notes. The winners were: Chris Kihn and Margaret Simons, both from Muizenberg, Cape Town.

EDITORIAL EDITOR: Graham Wood Email: graham.wood@newmedia.co.za SUB EDITOR: Anita van der Merwe LAYOUT & DESIGN: Julia van Schalkwyk PHOTOGRAPHY Cover: Cate Gillon for Gallo/Getty images Unless previously agreed in writing, Silver Digest owns all rights to all contributions, whether image or text. Sources: Gallo/Getty Images, Shutterstock, supplied images, editorial staff. ADVERTISING Clive Kotze Cell: +27 (0)82 335 4957 Email: clive@mediamatic.co.za SUBSCRIPTIONS Felicity Garbers email: felicity.garbers@newmedia.co.za PUBLISHING TEAM GENERAL MANAGER: Dev Naidoo PUBLISHING MANAGER: Sandra Ladas Email: sandra.ladas@newmedia.co.za PRODUCTION MANAGER: Angela Silver ART DIRECTOR: David Kyslinger MANAGEMENT TEAM CEO: Aileen Lamb COMMERCIAL DIRECTOR: Maria Tiganis BRAND STRATEGY DIRECTOR: Andrew Nunneley CHIEF FINANCIAL OFFICER: Venette Malone CEO: MEDIA24: Ishmet Davidson Johannesburg Office: Ground floor, Media Park, 69 Kingsway Avenue, Auckland Park, 2092 Postal Address: PO Box 784698, Sandton, Johannesburg, 2146 Tel: +27 (0)11 877 6111 Fax: +27 (0)11 877 6198 © Copyright Silver Digest 2020 Published by New Media, a division of Media24 (PTY) Ltd Head Office: New Media House, 19 Bree Street, Cape Town, 8001 Postal Address: PO Box 440, Green Point, Cape Town, 8051 Tel: +27 (0)21 417 1111 Fax: +27 (0)21 417 1112 Email: newmedia@newmedia.co.za Printed by

, a division of Novus Holdings

While precautions have been taken to ensure the accuracy of its contents and information given to readers, neither the editor, publisher, or its agents can accept responsibility for damages or injury which may arise therefrom. All rights reserved. © Silver Digest No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, photocopying, electronic, mechanical or otherwise without the prior written permission of the copyright owners.

6

SILVER DIGEST // WINTER 2020


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Travel …

Travelling WITHOUT MOVING Two photographers bring us visions of nature under lockdown – images of what we’ve missed, and of what we normally don’t look at at home.

W

the iconic Table Mountain, Steven

always been a passion. Birding

has embraced the challenge of

trains me to observe nature’s

photographing these feathered

sounds and pay attention to

beauties as a way to bring joy

the smaller things. Birds are all

during these uncertain times, and

around us doing something in

he’s had some incredible results.

huge diversity. All you have to do is

hile we were under lockdown, two

stop, look and listen and they tell

local photographers brought us two

WHAT IS YOUR BACKGROUND?

you who they are and what they

very different visions of nature. For a

I’m a wildlife enthusiast with

are doing – whether it’s marking

picture of what we’ve been missing, Dr Ryan Daly

a background in Zoology and

a territory, nesting or feeding…

of the Oceanographic Research Institute shares

have worked as an underwater

they are always busy. They are so

unique underwater images of the bumper 2020

photographer, focusing on sharks,

beautiful but incredibly difficult to

sardine run on the KZN South Coast. And for a

whales and dolphins. During

photograph because they are shy

vision of the incredible wildlife right under our

the lockdown, I’m focusing on

and extremely fast. Photographing

noses, nature photographer Steven Benjamin

the birds in my garden and the

birds is a challenge but it creates

has been taking incredible shots of the resident

surrounding suburban gardens.

a mental space to observe and

birdlife in his Kalk Bay garden.

BRINGING NATURE INTO THE HOME THROUGH THE LENS OF PHOTOGRAPHER STEVEN BENJAMIN

admire nature.

HAVE YOU ALWAYS ENJOYED BIRD WATCHING? interested in birds. I was dyslexic

WHAT MADE YOU START PHOTOGRAPHING BIRDS IN YOUR GARDEN?

as a young child and I still have

I’ve always wanted to try

From the age of 5 or 6 I was

my first bird book where I ‘ticked’ backwards!

Renowned for his captivating underwater imagery of South Africa’s marine animals,

I was trying to identify the birds

photographing birds but just never had the time. We have always had a bird feeder but never filled it regularly, so, when we started the

that flew into my

lockdown, I put white sugar in the

wildlife enthusiast Steven

pre-school class

feeder every morning and enjoyed

Benjamin has had to pivot

and begged

seeing the local bird community

his focus to his Kalk Bay

my mom to let

visit us. I took a few GoPro

garden during lockdown,

me mark off

video clips and posted them on

where he has been taking incredible shots of Cape Town’s resident birdlife. Located near 12

SILVER DIGEST // WINTER 2020

what I’d seen, so birding has

Instagram, which garnered quite a bit of attention.


LOCAL

COULD YOU EXPLAIN YOUR UNIQUE BIRD IMAGERY? I started thinking more about how to create a setting where I could capture simple yet interesting images that highlight the bird’s beauty. I also wanted to use this project as a way to be creative and escape the confines of the lockdown by enjoying the freedom of the birds. Sharing this on social media helped inspire others and prompted me to keep adding to the project – bringing digital joy to those watching. By isolating the birds against a black background with crystal-clear focus, I’m able to show these birds in a new way.

did all the gardening possible and

of a male Malachite Sunbird in

brushed my dog a lot! Finally, I

full plumage yet. There are a few

HOW DID YOU TAKE THESE IMAGES?

settled on this project, which I work

females and immature birds that

on every day. I’m always adding

visit, but none in full plumage.

I placed the feeder outside in

something new to the scene and

a sunny spot with a shadowy

there are always new birds and

background and started

interactions happening. It’s made

photographing. I use high shutter

the days fly by!

speeds, over 1/2000 of a second, to

WHAT ARE YOUR PLANS FOR THIS PROJECT? I’m working towards an exhibition in Cape

in the bill and fine feathers. I

WHAT HAVE BEEN THE HIGHLIGHTS AND CHALLENGES OF THIS PROJECT?

changed the perch a few times

During lockdown,

to add interesting colour to the

there has been

information about

images. This is a studio setting for

only one male

Steven Benjamin’s

wild birds that are free to come and

Cape Sugar Bird

go as they please.

with a full tail that

freeze the birds, which also makes the background dark. I used lights mounted separately to backlight the birds and bring out the details

has landed. This

Town after all of the restrictions are lifted. But, in the meantime, the prints are available for sale. For more

work or to find out more about the images available for sale, contact

WOULD YOU HAVE CREATED THESE IMAGES IF NOT FOR LOCKDOWN?

spectacular bird is Africa and mostly only found in

@animal_ocean, or visit www.

No. The lockdown has made me

the Western Cape. I was lucky to

stevenbenjamin.co.za.

relax and take the time to do things

get some incredible shots of the

I would never have gotten around

bird and its fully extended tail

to doing. I archived all my past

glinting in the sunshine. I haven’t

wildlife images, worked on a book,

been able to get any good shots

endemic to the fynbos of South

Steven on email steve@ stevenbenjamin.co.za, Instagram

Continued …

WWW.SILVER DIGEST.CO.ZA

13


T R AV E L

USCT SHARES UNIQUE UNDERWATER IMAGES OF BUMPER 2020 SARDINE RUN ON THE KZN SOUTH COAST The cold spell in June saw sardine activity increase on the KwaZuluNatal (KZN) South Coast and Ugu South Coast Tourism (USCT) has been able to share some breathtaking under-water footage of the #GreatestShoalonEarth. These

commercial fishing and shifts

images and videos were taken by

in the way animals respond to

Dr Ryan Daly of the Oceanographic

environments, many scientists

netted enough sardines for

Research Institute whilst out

were worried that bumper sardine

themselves but that there were

spearfishing near Scottburgh.

runs were a thing of the past,

still so many sardines beyond

“What a bonanza of fish we

so it’s fantastic to see the

saw, it was overwhelming with so many sardines! As both a scientist and

surge in activity. It should bode well for a great season.”

as couta fish, tuna and snoek. “It was great to see that people

those that could be netted – what a bounty for the community and wildlife along the coast! It’s been amazing to witness the

someone who has

He said

change in people’s attitudes to the

been following the

the COVID-19

sharks over the years as well,” he

sardines for many

pandemic meant

continued. “People were releasing

years, it was amazing

that, unlike

sharks from the nets and showing

to see the volume of

previous years,

respect for these important

sardines,” explained

there hasn’t been

aquatic animals. This area is

Daly. “Certainly, it’s the most sardines I’ve ever seen on the KZN South Coast. With climate change, potential pressure from

anyone closely following sardines on the Wild Coast. “We don’t actually know how much activity there was on the Wild Coast and whether this is just a pocket

SILVER DIGEST // WINTER 2020

particular, which are endangered, and it was so special to see these sharks and the respect people have for them.” Check out the ‘South Coast

that showed up on the South Coast,

Tourism’ Facebook page and

or if it was preceded by a much

@infosouthcoast on Twitter for

larger volume. We’ll just have

breath-taking images of seine

to wait to see, over the next few

netters on the shore; aerial footage

weeks, if this is followed by even

of shark activity by drone pilot

more sardines. We certainly are

@saltywaveslider; and underwater

way overdue for a big run!”

footage by Dr Ryan Daly. For

Commenting on the recent

14

a nursery for dusky sharks in

more information about the KZN

predatory activity, Daly said the

South Coast and USCT, visit

sardine volume had attracted dusky

www.visitkznsouthcoast.co.za or

sharks, bronze whaler sharks

download the free ‘Explore KZN

and spinner sharks to feed on the

South Coast’ app to find a local

shoals, as well as big game fish such

supplier. •


LOCAL

WWW.SILVER DIGEST.CO.ZA

15


Feature …

Voice of

nature At 94 years old, the most famous voice in natural history documentary, Sir David Attenborough, still has a lot to say.

CLICK TO WATCH THE PREVIEW

16

SILVER DIGEST // WINTER 2020


S I R D AV I D AT T E N B O R O U G H

D

uring the lockdown, the legendary 94-year-old broadcaster Sir David

Attenborough was as busy as

Statement And Vision For The Future,

ever, if not doing what he had

which was originally scheduled

planned. He was teaching

to premiere on 16 April at the

geography lessons on the BBC’s

Royal Albert Hall, but is now

Bitesize Daily, an online learning

being launched, along with an

platform helping children being

accompanying book, in October.

whole of the planet is threatened

The film will be released on

by humanity’s return to its usual

UK’s lockdown as a result of the

Netflix, which is a departure from

ways. If we do not heed warnings

global COVID-19 pandemic. He

his long association with the BBC,

like Attenborough’s, the zoo might

was also fronting a campaign to

where he started his career in

be the only place any of the world’s

help save the London Zoo, which

TV at the very inception of the

natural wonders survive.

was closed for 12 weeks, putting

medium. For this new installation

its survival in grave danger.

in Attenborough’s extraordinary

schooled at home during the

“A zoo is a very

portfolio of work, he considers

important thing

today’s issues – climate

scientifically,” he

change, pollution,

said. “London was the first

Funnily enough, the London Zoo played a major role in launching the veteran broadcaster’s extraordinary career. After working for a few years in educational

extinction – through

publishing, Attenborough applied

the lens of his own

for a job in radio, which he didn’t

scientific zoo

career, and his own

get, but was later invited to try out

in the world,

experience on the

a new thing they were launching at

founded nearly

planet, as possibly the

the BBC: television.

200 years ago,

human being who has

and has been at the forefront

witnessed first-hand more of the natural world

He took that up, and as a young exec in the 1950s was central to introducing and

of technology and

than any other person alive.

commissioning some of the

advances ever since

“I’ve had an extraordinary

ground-breaking programmes

then. If this country can’t

life,” says Attenborough. “It’s

that played such a definitive role

support it, it would be a scandal.”

only now that I appreciate how

in establishing the new mass

extraordinary.”

media, from Kenneth’s Clarke’s

What he actually had planned for the lockdown period was

It’s a terrifying prospect that, just as the zoo was threatened

Life On Our Planet: My Witness

during the COVID-19 pandemic, the

Monty Python’s Flying Circus. Continued …

PHOTO: LEV RADIN / SHUTTERSTOCK.COM

the launch of his latest film, A

era-defining series Civilisations to

WWW.SILVER DIGEST.CO.ZA

17


F E AT U R E

While dabbling in some mostly studio-based broadcasting himself, his personal breakthrough on screen came when he presented a programme called Zoo Quest, a documentary series in which he accompanied zoo employees on expeditions around the world to find animals for the London Zoo. People simply hadn’t seen the creatures and places he was showing them before, and along with his unique style of presentation, the show was a hit.

The culmination of these

mistake – and how, if we act now,

extraordinary decades of

we can yet put it right. We have

broadcast brilliance, however, in

one final chance to create the

Attenborough’s six-decade-plus career in

Attenborough’s ‘witness statement’,

perfect home for ourselves and

broadcasting, but laid the template for the

raises the dark shadow of all the

restore the wonderful world we

nature documentary as we know it today.

wonder he has shown us: how

inherited. All we need is the will

He blended the sheer wonder of wildlife

documenting the natural world,

to do so.”

footage with an approach that had its roots in

through no design of his own, has

something like Clarke’s Civilisations, applied

taken the shape of a narrative of

introspective and retrospective

to the natural world: visual spectacle given a

the destruction of the planet and

actually reveals itself to be future

clearly and easily digestible narrative shape.

the extinction of species.

focussed, and concerned less with

Not only did that series launch

The nature documentary, and a star, was

“As a young man, I felt

And so what might initially seem

himself than with everyone (and

born, and the wonders of the natural world

I was out there in the wild,

have been beamed into living rooms around the

experiencing the untouched

world to those inimitable vocal intonations ever

natural world – but it was an

the world. Then make it better –

since. Attenborough’s catalogue stands as a roll

illusion,” says Attenborough.

neatly sums up Attenborough’s

call of classics such as Life on Earth (1979), and

“The tragedy of our time has

approach. To care enough to save

The Living Planet (1984), the epic The Trials of Life

been happening all around us,

the natural world, you first have

(1990) and explorations into the less spectacular

barely noticeable from day to

to be aware of it, and awestruck

(but utterly fascinating) The Private Life of Plants

day: the loss of our planet’s wild

by it. For decades, Attenborough’s

(1995). The new century didn’t slow him down

places, its biodiversity. I have

films and series have enchanted

at all, with The Blue Planet (2001), Life of Mammals

been witness to this decline. A

us first, but have ended with the

(2002), Planet Earth (2006) and more recently

Life on Our Planet is my witness

warning that everything we’ve

2018’s Blue Planet II and Dynasties, proving the

statement, and my vision for the

just been marvelling at on our

ongoing popularity of the man and the appetite

future. It is the story of how we

screens is being taken away, and

for the subjects he is passionate about.

came to make this, our greatest

will disappear forever unless we

18

SILVER DIGEST // WINTER 2020

everything ) else. The new books’ slogan – See


S I R D AV I D AT T E N B O R O U G H

I have been witness to this decline. A Life on Our Planet  is my witness statement, and my vision for the future.

do something to stop it.

For a sense of the urgency of his message, consider this documentary he narrated just two years ago: Namibian-based conservationist Maria Diekmann’s Pangolins: the World’s Most Wanted Animal, in which Attenborough helped uncover the world’s illegal rare animal trade, particularly the smuggling of vast quantities of pangolin flesh and scales in the East. What if we had listened and

PHOTOS: CHRIS J RATCLIFFE, GALLO/GETTY IMAGES; MIRRORPIX, GALLO/GETTY IMAGES; TONY EVANS, GALLO/GETTY IMAGES

acted more swiftly and decisively? For one thing, we’d probably all have watched A Life On Our Planet by now! But in a world in which the issues of the day seem to be driven by youth activists, from Malala Yousafzai to Greta Thunberg, the depth and cumulative insights of a 94-year-old just might be what is needed to give their youthful zeal some substance, and their urgency some real scope. Attenborough has his eye on the future and, at 94, it’s clear it’s not for himself. Let’s hope the children of the future have been watching his output, or all the wonders he’s seen first-hand might be consigned forever to the BBC archive and the London Zoo. As he told Gideon Rachman in an interview for the Financial Times last year, “The whole of our civilisation is dependent on the health of the natural world.” It’s not just the natural world that is at stake. • WWW.SILVER DIGEST.CO.ZA

19


Money … Insight from Coronation on how investors near or in retirement can protect themselves through the treacherous times that lie ahead.

T

IS YOUR RETIREMENT PORTFOLIO INFLATION-PROOF?

he environment facing

domestic growth assets, this has

will effectively be taxed through

long-term investors

meant that in the five years to end

negative real interest rates.

is treacherous. We

May 2020, cash or near-cash funds

are in uncharted waters for

(lower risk income and money

our generation.

market funds) have outperformed

WHAT ARE RETIRED INVESTORS TO DO?

the average South African balanced

Now more than ever, inflation

At the same time, we are witness to an unprecedented monetary experiment, coupled with a relentless

fund, as well as the average South African equity fund. The response from

protection should be a priority when constructing your long-term investment portfolio, meaning

increase in indebtedness

investors was to de-risk

that real assets should form the

around the world. The bill

portfolios by switching

cornerstone thereof. Real assets

to this experiment will

from long-term funds

consist of select growth assets, such

have to be paid back at

with more growth assets

as equities and property (that have

some point. In the absence

into short-term funds with

pricing power and that can grow

only fixed-interest assets as

earnings at or above inflation), or

of extraordinary growth, taxes and financial repression (in the form of higher prices and

they settled for the certainty of achieving reasonable real

lower interest rates) will be the

returns without having exposure to

key solutions.

more volatile assets. This strategy

As a retiree, the threat of an

turned out to work thus far.

increase in your inflation rate (off

traditional inflation-hedged asset classes, such as inflation-linked bonds and certain precious metals. Practically, this requires retirees to invest in a fund that has the correct mandate and allows the fund manager to diversify

with a low expected return from

TIME TO RECALIBRATE EXPECTATIONS

cash, should be enough reason to

However, since the start of

combination of real assets. At

revisit your investment portfolio

2020, the South African Reserve

Coronation, we deliberately

to ensure you have sufficient

Bank has cut the repo rate by a

construct robust balanced portfolios

protection against these risks.

cumulative 275 basis points. This

that incorporate a wide variety of

a historically low base), combined

exposure into the most appropriate

was to provide relief to an already

asset classes in order to achieve

CASH OR NEAR-CASH FUNDS HAVE BEEN THE DARLING OVER THE LAST FEW YEARS

struggling economy, exacerbated

inflation-beating returns over the

by the lockdowns imposed due

long term. The Coronation Balanced

to the COVID-19 pandemic. It

Defensive and Capital Plus funds

In the recent past, South Africans

has been at the expense of cash

are our flagship multi-asset funds

were in the fortunate position of

investors. When adjusting for

that are managed specifically with

saving in a market where cash and

tax on interest, investors in cash

the retiree in mind.

fixed income assets provided yields

can expect to earn net returns

in excess of inflation – quite unique

below the current inflation rate.

To find out more about the Coronation

in a global context. Together with

This can also be viewed as a form

Balanced Defensive and Capital Plus

underwhelming returns from

of financial repression when

funds, visit www.coronation.com or

considering how long savers

speak to your financial adviser.

20

SILVER DIGEST // WINTER 2020


SURANCE

Life

Invest more without paying tax hƊȁǞȺ‫׈ׅ‬ƊȁƮǘƊȺª‫׀׀׀׀ׅ׃‬ǞȁɨƵȺɈƵƮǞȁ˛ɮƵƮƮƵȯȌȺǞɈȺƊȁƮ ɩƊȁɈȺɈȌǞȁɨƵȺɈǿȌȲƵ‫خ‬RƵƧȌɐǶƮȺƊɨƵɈƊɮȌȁǞȁɈƵȲƵȺɈǞȁƧȌǿƵ ɩǞɈǘɈǘƵIǞɮƵƮ„ÇÀƧȌǿƵ0ȁƮȌɩǿƵȁɈǏȲȌǿ„ÇÀɨƵȺɈ‫خ‬

Like Jan, you can sign up at OUTvest.co.za or give us a call on 0860 688 837 Underwritten by OUTsurance Life, a licensed insurer. Policy linked to a Fixed Deposit with Absa and not guaranteed by Insurer. The proceeds of endowments are exempted from personal income tax. OUTvest is an authorised FSP. Ts, Cs and standard rates apply. For more information visit OUTvest.co.za.


MONEY

C O N T E N T PA R T NE R S H I P

CHANGE YOUR LIVING ANNUITY, NOT YOUR DRAWDOWN RATE BY JOHANN SWANEPOEL, PRODUCT ACTUARY, JUST SA

T

he relatively poor market

movements. And this does not

to re-invest, and you can maintain

returns over the last

require you to reduce your

discretion over the balance of the

five years, coupled with

drawdown rate.

assets to maximise the long-term

the devastating crash in March

A combination of market

capital growth to meet flexible

this year, has exposed the risks

factors caused long-term interest

financial needs or to leave a legacy

associated with standard living

rates on bonds to increase (and

to beneficiaries.

annuities where pensioners carry

is a rare opportunity not seen in

all of the investment and longevity

many other countries around the

do not allow you to split your living

risk on their own.

world). This is really good news for

annuity after retirement. So, in

As part of its response to

As it stands, current regulations

pensioners looking to secure an

order to make your retirement

the COVID-19 crisis, National

income for life. Life annuity rates

income more sustainable, you may

Treasury announced a change

improved significantly, which

want to consider the following:

in living annuity drawdown

meant a guaranteed retirement

• If you are already invested in a

restrictions where pensioners will

income was cheaper compared to

blended living annuity, consider

be allowed to temporarily adjust

before the market crash. Great –

increasing your allocation to

their drawdown rate to as low as

but you may be asking what that

the lifetime income portfolio

0.5% or as high as 20%, even if it

has to do with sustaining an

to secure a higher guaranteed

is not the anniversary date of the

income in a living annuity.

living annuity. Many commentators suggest

No guarantees are provided

income for life • Transferring your entire living

in a standard living annuity.

annuity to a blended living

living annuity investors do

The good news therefore only

annuity to access a lifetime

nothing in a tumultuous market,

really applies to living annuities

and there may be merit in that.

that have the ability to access

• Converting your entire living

Others suggest you reduce your

a guaranteed income within a

annuity to a guaranteed life

drawdown rate, which makes

single vehicle. And there are only a

annuity, especially if you are

sense on paper, but is not a possibility for most pensioners. Insights from Just’s retirement-focused study in 2019 revealed that two in five

handful available in the market – referred to as ‘blended’ living annuities. Recent research has proven that a

respondents said they cannot

combination of a living annuity

afford to lose any retirement fund

and a guaranteed income for

money before it seriously affects their retirement plans. But current market

life offers a more optimal solution than either on its own. A blended living

income portfolio

drawing at a rate higher than the recommended drawdown rates • Remaining in a standard living annuity and effectively selfinsuring against volatile markets and outliving your capital. The age-old investment advice is stay invested for the long term. But if your time horizon

conditions present a unique

annuity will allow you to

is shorter, you should also focus

opportunity to improve

maximise consumption

on additional options to secure a

the sustainability of your

by securing lifetime

sustainable long-term solution to

income in retirement

income to cover

protect yourself (even partially)

despite the recent market

essential expenses, or

from the next market crash. •

22

SILVER DIGEST // WINTER 2020


MONEY

WE A LT H

RISKS FACING RETIREES IN THE COVID-19 ERA BY MICHAEL PRINSLOO, HEAD: PRODUCTS AT ALEXANDER FORBES

T

he worldwide COVID-19

within each broad category. More

pandemic has cast a

recently there are hybrid options

spotlight on the risks

that combine the best features of

facing those about to retire or

each. A higher starting income

already retired. But no matter

may set you up for low or no

the economic environment,

increases and severe financial

preparing for one’s best possible

hardship later. On the other

retirement takes careful planning

hand, a flexible pension is not

and consideration of the available

guaranteed to last for life, and how

retirement options, as well as the

long your money (or rather level of

risks of each.

income) will last depends on how much income you take, as well

There are three main risks facing retirees:

as the growth of your underlying

• Outliving your retirement

investments. The law allows you to draw a pension of between 2.5% to

savings

17.5% of your money per year, and

• Having your spouse or

a financial adviser can help you

dependents not taken care of

decide how much you can afford to

when you die • Your income does not increase as fast as your expenses.

3. Work out how long you will be much you will need each month.

To deal with these risks, it is of

take each month.

able to pay your bills and how 4. Once you understand your

GET GOOD ADVICE The value of good advice cannot be

no use worrying about things you

financial position, you can start

underestimated, especially at an

cannot control. One needs to focus

planning.

important and often irreversible

on things within your control: you

5. Starting a good habit. Now that

decision point like retirement.

need to manage your expenses

you have a budget and a plan,

It helps you decide which goals

within your budget, choose the

stay on top of your finances

and needs to prioritise, while

best type of annuity for your needs,

by recording your expenses,

understanding your options and

and get good advice.

comparing them to your budget

the costs and benefits of each. This

every time you spend money, and

means you are fully informed to

checking your plan every month.

choose the option that best meets

MANAGING YOUR EXPENSES

your needs. With large financial

We believe there are five simple

decisions to be made, there are

and thus your income needs:

CHOOSING THE BEST TYPE OF ANNUITY (PENSION INCOME) FOR YOUR NEEDS

1. Know where you spend your

There are two broad categories of

You are not a passenger on the

money and what resources you

annuity types – a ‘guaranteed’ or

journey, but the driver.

have. Make lists.

life annuity and a ‘flexible’ or living

steps that can be followed to make sure you understand your expenses

many benefits to playing an active role in your retirement journey.

2. Find out which expenses can be

annuity. Each has its benefits and

This article first appeared on www.

reduced, delayed or stopped.

drawbacks, plus a host of options

moneymarketing.co.za on June 9, 2020

WWW.SILVER DIGEST.CO.ZA

23


MONEY

C O N T E N T PA R T NE R S H I P

PROVIDING SECURITY IN INSECURE TIMES Safe and secure retirement investments are key to ensuring the best possible provision for one’s silver years.

W

hen considering an

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MONEY

NAVIGATING THE ROUTE TO A BY STEPHEN KATZENELLENBOGEN, SENIOR EXECUTIVE AND PRIVATE WEALTH MANAGER AT NFB PRIVATE WEALTH MANAGEMENT

O

ur lives as we know them

uncertainty around the impact of

income while at the same time

have been overturned

COVID-19. However, before you

saving as much as you can.

in recent months as the

start panicking, what’s important

While professional advice is

COVID-19 pandemic takes root

to remember is that markets have

a good idea, it’s just as important

around the world. Markets globally

sold off before but over time they

that you spend time educating

have been hard hit, including in

recover.

yourself so that you know to ask

South Africa. Locally, the economy

When planning for your

the right questions and have

is estimated to be losing around

retirement, you should evaluate

a good idea of the available

R13bn a day during the lockdown.

how much money you need to

alternatives. Take your time

replace your current lifestyle. If

regarding the decisions you make

economy and provide both

the answer is that you don’t have

and make sure that all decisions

households and businesses some

enough money to retire, this is not

are based on good information,

relief, the South African Reserve

the time to bury your head in the

given that it’s going to be almost

Bank (SARB) has in recent weeks

sand like the proverbial ostrich

impossible to undo the choices

announced two significant rate

and hope the situation rectifies

you make now in a decade’s time.

cuts. While this is good news for

itself of its own accord.

In an effort to stimulate the

those with debt, it is not such good

The topic of frequent news

news for retirees dependent on

articles, the reality is that most

interest from savings, particularly

South Africans have not saved

as further rate cuts have been

sufficiently for their retirement.

mooted for later in the year. For

The South African Saving

both investors and retirees who

Institute (SASI) attributes this

have exited the market in recent

to a high level of domestic

weeks as a result of alarming

indebtedness, leaving little

volatility and utilised bank-deposit

disposable income over for the

accounts, these interest rate cuts

purposes of saving. Most people

are similarly concerning.

have a natural aversion to having

For those planning to retire

to ask their offspring for help, but

imminently, the recent market

what can you do to address the

declines don’t bode well for their

situation?

future plans. Even those who

If you have not put aside

have been saving for the last 35

sufficient savings for retirement

to 40 years and have seen their

and your retirement is imminent,

investments traditionally deliver

you have two choices: the first is to

a healthy return will have seen

cut your income needs to a point

their investments devalued when

where your retirement capital

compared to the beginning of the

can sustain the drawdowns; or

year. The reality is that the JSE,

secondly, you extend your career,

and probably most global markets

thus providing time to allow

too, are likely to continue a period

your capital to grow – or you do

of low returns as we ride out the

something to supplement your

26

SILVER DIGEST // WINTER 2020

My advice at this point is to focus on what you can control. Avoid making any short-term,


WE A LT H

COMFORTABLE RETIREMENT knee-jerk or emotional decisions.

a portfolio outside of a living

side of financial planning. This

Ideally, a retirement plan needs

annuity, the principles remain

means having adequate insurance

to be approached with a sensible,

relevant.

in place should you become

long-term attitude. The plan itself

You don’t have to have the

disabled or suffer some kind of

needs to include a detailed, yet

ultimate equity allocation in your

event that impacts your health.

flexible investment strategy. It

portfolio from the outset. What’s

Consider getting life cover to offset

does not need to be rolled out

more important is that you have

any liabilities.

immediately but can be rolled out

a plan that includes a targeted

over a period of time.

allocation, and that you know how

at retirement age is to upgrade

you are going to ultimately achieve

cars and to take a holiday. For

strategic asset allocation – this

that allocation. This could mean

the time being I would suggest

should include your exposure to

slowly adding cash to your equity

parking this idea. Taking too

cash, bonds, property and any

assets over a certain period of

much income and capital out of

equity investments, both local

time.

your nest egg at the outset has a

Start by mapping out a

and global – which has exposure

While it may be tempting to

A common mistake made

negative long-term impact on your

to growth assets. Your asset

invest into markets while they are

capital’s sustainability. Any large

allocation will play a significant

low, I would still advise a cautious

upfront drawdowns in the current

role in your investment and

approach, given that markets and

environment will crystallise any

retirement outcome. Ultimately,

currencies are likely to be volatile

market losses. Instead, adopt

what you want to be aiming for

for at least the next while.

a conservative approach to

is a well-diversified investment

Think carefully about your

spending and try to avoid any big-

portfolio that is tax efficient

product blend, as you need

and optimises any available tax

to ensure you have sufficient

benefits. It’s a tricky balance

liquidity during retirement and

utilising a conservative approach

formulating a portfolio strategy

prepare for the fact that you may

is sequencing risk. This is the

that complements your income

live for 30 years post retirement.

risk that occurs as a result of

and growth objectives, as well

Make sure you have sufficient

ticket expenses. Another good reason for

retirement calculators, assuming

as considering unforeseen

cash in your reserves in order

your returns occur in a straight

circumstances.

to avoid the need to make

line – in other words, by a certain

unnecessary drawdowns on long-

percentage every year. Assuming

a living annuity, according to

term investments. It’s always a

a conservative annual return

research conducted by Ninety One

good idea to have some cash in a

overcomes some of this risk.

Asset Management – previously

portfolio, despite knowing that,

Market volatility is not an

known as Investec Asset

over time, the long-term return

unusual phenomenon. Key to a

Management – is a consistent 20 to

on cash results in capital erosion

successful retirement strategy is

35% exposure to offshore equities,

– in other words, the return after

the ability to rise above the noise

irrespective of the size of the

tax could be below inflation. A

of market volatility and focus

initial income drawdown levels.

rule of thumb is to have up to

on the high level and long-term

While Ninety One’s research is

three month’s income in a quickly

strategy. Only once this is in place

focused specifically on living

accessible investment.

can you adapt it for the current

The ideal asset allocation in

annuities and does not consider

Don’t forget to factor in the risk

environment. • WWW.SILVER DIGEST.CO.ZA

27


Health …

To minimise the impact on you and your family’s well-being while cooped up at home, consider these novel ways of staying fit without leaving home.

STAYING FIT DURING LOCKDOWN

D

uring the nationwide lockdown, you were obliged to stay at home unless

venturing out for groceries and medical supplies. Staying at home is still recommended where possible, particularly for over-60s. Because keeping active is key in maintaining your physical health – and boosting your mental health, too – consider adding some of these to your lockdown exercise repertoire. In fact, if you’ve been postponing that exercise programme for months, this is the perfect time to start a healthy routine.

GENERAL GUIDELINES According to the World Health Organisation (WHO), adults should do at least 150 minutes of moderate-intensity aerobic physical activity a week, or at least 75 minutes of vigorous-intensity aerobic physical activity. At least two days a week, you should do some muscle-strengthening activities. Consider breaking your exercise up into 10 minute sections: 10 minutes in the morning, 10 in the afternoon, and 10 in the evening. When you’ve established that as a daily routine, your day will be better structured as well.

28

SILVER DIGEST // WINTER 2020

GET INTO THE GARDEN If you’re fortunate enough to have access to a patch of greenery, make a concerted effort to keep it – and your physique – in tip-top condition during lockdown. Not only will your garden reap the benefits of weed-free beds and well-composted soil, you’ll be toning your arms and shoulders. Just mowing the lawn in said to burn up to 280 calories an hour – and squatting while weeding is a great workout for your glutes

Yoga is particularly suitable for anyone who is feeling anxious, as the need to focus on your breathing will transport your mind elsewhere.

TRY THIS FOR SIZE: Yoga with Adriene (www.yogawithadriene.com) Actress and international yoga teacher Adriene Mishler publishes free yoga and mindfulness videos. With a library of over 500 videos, you’ll be inspired no matter what

and quads.

your age and stage.

RUN A MARATHON

GET YOUR GROOVE ON

Nope. You won’t be breaking the rules. The Mzansi Lockdown Marathon encourages you to run 2kms a day for the 21 days while you’re confined to your home. Round the garden. Run to the front door and back. Run on the treadmill. Or simply run on the spot. You’ll be clocking up the kilometres without even realising it.

GO ONLINE Many fitness gurus – from yoga and Pilates instructors to personal trainers and dance teachers – are offering their classes online, some of them for free. Just grab a mat or a clean towel and stream via a reliable internet connection. 

A sure-fire way to relieve stress and boost endorphins? Pump up the volume and dance to your favourite playlist. Do it solo or with the family – and if you’re busting some proper moves, why not share your brilliance? Create short dance videos on TikTok, the Chinese video-sharing social networking service. Who knows? You might even go viral. • This article was first published on www.mediclinicinfohub.co.za on 27 March 2020.

TRY IT! CLICK TO PLAY VIDEO


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H E A LT H

HOW TO KEEP YOUR HANDS MOISTURISED DURING THE COVID-19 PANDEMIC Hand sanitisers have become a must-have ingredient during the global COVID-19 pandemic but they can cause damage to the skin of your hands.

living on the skin’s surface and within the outermost skin layers. Research has shown that a

S

healthy skin microbiota provides

ince the outbreak of the

coronaviruses. This protein is

an environment for the skin to

coronavirus, the most

vital for a virus’s survival and

thrive and even to fight unhealthy

searched-for ingredients on

thus multiplication. But a hand

pathogens. An imbalance in

internet have been ethyl alcohol,

sanitiser needs to have at least 60

skin microbiota leads to ageing,

carbomer, propolis and aloe vera.

to 70% alcohol in order to kill most

sensitivity and dryness.

And it is obvious why – all of

viruses,” says Brown. “Anything

these are used to formulate hand

less than this is less effective and

sanitising, while killing dangerous

sanitisers, both commercially and

may not kill germs outright but

viruses such as the coronavirus,

at home.

rather just reduce their growth.”

also affect the good bacteria on

Handwashing and hand

the skin. “We need to therefore

While washing hands with soap and water remains the

DAMAGE TO SKIN

pay attention to using products

recommended and preferred

She also warns that alcohol-free

that will help strengthen, repair

prevention for the spread of the

sanitisers – which use ingredients

and to some extent maintain the

virus, it is not always accessible,

such as benzalkonium chloride –

integrity of the skin,” says Brown,

therefore hand sanitisers have

while not as harsh on the skin, work

particularly in light of the fact

become the best alternative –

mostly on bacteria and are not ideal

that hand sanitising needs to be

although not as pleasant to use and

for the current viral situation.

repeated every 20 minutes when

harsh on the hands. Cosmetic chemist and owner of

Regardless of what hygiene methods are used, be it

exposed to high-risk situations. She says that formulators

Botanichem, Robyn Brown, warns

handwashing or using hand

are starting to look at ways of

that not all hand sanitisers are

sanitisers, what is without

including moisturising agents and

created equal.

question is that it will cause

ingredients in sanitisers, which will

damage to the skin.

reduce the drying and damaging

“While I see most hand sanitisers that are available

“Both excessive handwashing

effects of the high levels of alcohol.

have 60% alcohol content, 70%

and use of hand sanitisers disrupt

However, based on the immediate

is actually preferable. Alcohol,

the fragile microbiome of the skin,”

demand, new ‘safe’ formulations

whether it be isopropyl alcohol or

explains Brown.

may take a while to reach the

ethanol (ethyl alcohol), attacks and

The microbiome refers to the

shelves as these need to be tested

destroys the envelope protein that

ecosystem comprising the skin

for efficacy and performance

surrounds most viruses, including

and related microorganisms

before they can be taken to market.

30

SILVER DIGEST // WINTER 2020


WATER CONTENT IN THE SKIN

barrier function and improve the

reduction of transepidermal water

According to BASF Care Creations,

skin’s defence system – all of which

loss (TEWL) and the improvement

it is important to moisturise

will strengthen skin defence and

of ‘normal’ barrier function of the

immediately after washing and

improve protection.

skin, can be incorporated into

as often as possible. The right

BASF Care Creations has a

sanitiser formulations and will not

amount of water content in

number of ingredients that can

compromise the effectiveness of the

the skin is mandatory for the

be used in formulations. Suitable

sanitiser.

enzymatic functions required

products should contain nourishing

www.botanichem.co.za

for lipid synthesis and skin

components, such as Hydrasensyl

barrier restoration.

Glucan from BASF Care Creations,

The term ‘moisturiser’ also

to help moisturise, smooth and

does not indicate moisture is

soothe the skin. Hydrasensyl Glucan

being added to the skin. A properly

combines the beneficial properties

formulated moisturiser or repair

of hyaluronic acid and collagen,

cream contains the right occlusive,

and is effective at combining

humectant and emollient

large amounts of water in the

ingredients, all of which help to

skin like a natural water-

maintain healthy skin.

superabsorber.

Hand creams and hand masks

This article was first published on www.pharmacos.co.za on 11 June 2020.

Inca Omega Oil from

that contain probiotics help

Cobiosa, which has been

moisturise, soothe, assist with

proven to be effective in the

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31


H E A LT H

Despite millions of rands invested into medical research, a cure for the common cold or the flu has yet to be discovered.

BOOST THE IMMUNE SYSTEM

W

hile a wide range of

grains. It is equally important to

of haemoglobin, the substance in red

medicines are available

reduce your stress by getting enough

blood cells that carries oxygen from

to reduce the symptoms

sleep and exercise.”

your lungs to transport it throughout

of the common cold and the flu,

She suggests considering adding

your body. Haemoglobin represents

antibiotics are useless against the

vitamin C and zinc supplementation

about two thirds of the body’s iron. If

bugs responsible for these illnesses.

to boost the immune system

you don’t have enough iron, your body

The immune system is the body’s

when a balanced lifestyle and diet

can’t make enough healthy oxygen-

only line of defence. But stress, bad

aren’t enough.

carrying red blood cells.

compromise the immune system’s

VITAMIN C

VITAMIN D

ability to keep the cold and flu at bay.

A well-known immune booster, this

Usually associated with building

powerful antioxidant helps to maintain

strong bones, a growing body of

Terblanche, Medical Officer at

collagen function and heighten the

research suggests that vitamin D is

Samwumed Medical Scheme, who

body’s ability to repair wounds.

vital for the proper functioning of

said that while general healthy

Along with its immune supportive

the immune system. A fat-soluble

living is the best way to give your

function that helps the body fight

vitamin, vitamin D is created

immune system the upper hand,

against bacteria, viruses and other

when the skin is exposed to solar

due to our busy lifestyles this isn’t

sources of infection, vitamin C

ultraviolet rays.

always possible.

also assists with iron uptake

health habits and poor nutrition

This is according to Dr Anél

“While we know what we should be doing to keep healthy, it’s not easy to balance our health and the demands of day-to-day living.” Dr Terblanche said prevention

Doctors suggest we need to

in the body. Iron is an

be exposed to approximately 15

important component

minutes of sunlight per day to create enough vitamin D. It is important to know that supplementation of vitamin

is better than a cure. “Ideally, to

D should only be prescribed

improve your immune system and

and controlled by a doctor,

prevent getting sick, it’s important to get good nutrition by eating enough fruit, vegetables and whole 32

SILVER DIGEST // WINTER 2020

and only in patients who have proven low levels of Vitamin D.


T

TAKING CONTROL For most people and most colds, the usual course and duration of illness is up to one and a half

ZINC

weeks. People who only have mild

Present in every tissue, organ,

symptoms generally do not require

fluid and secretion of the body,

any symptomatic treatment. Those suffering various

zinc is essential for proper

symptoms associated with the

immune function. time in the body. This means that

common cold should treat them

believes zinc deficiency is the

we need to get a constant supply

accordingly:

leading cause of digestive tract

of quality zinc either in our diet

• Analgesics may be used to

infections among children.

or by supplements. Meat and

relieve associated symptoms (e.g.

Critical for immune system

chicken are excellent sources of

headache, ear pain, muscle and

function, low zinc levels is

zinc, as are nuts and lentils. In a

associated with increased

Western diet, food products such

susceptibility to pneumonia and

as breakfast cereal are fortified

nasal symptoms that have

other infections in the elderly.

with zinc and these products

moderate evidence of efficacy

provide an increasingly important

include combination products

source of zinc.

containing an antihistamine and a

The World Health Organisation

Unlike certain vitamins, zinc is not stored for long periods of

joint pains, malaise and sneezing) • Symptomatic treatments for

decongestant • A cough associated with the common cold may be caused by nasal obstruction or postnasal drip. To relieve these symptoms, it is recommended that a cough suppression with dextromethorphan is used. Although zinc sulphate lozenges and syrup may decrease cold symptom severity and duration, Dr Terblanche advises against using these because of uncertain benefits and known toxicities, including irreversible anosmia (loss of the sense of smell) for some of these products. She adds that people are encouraged to take hygienic measures such as handwashing, which can prevent the spread of respiratory viruses, especially from younger children. • This article was first published in the June 2020 issue of Pharmacy Magazine.

WWW.SILVER DIGEST.CO.ZA

33


H E A LT H

ARMOUR YOUR IMMUNE SYSTEM

I

n the animal kingdom,

body’s immune system but also

can be a stress unto itself. With

most animals are born with

reduces inflammation.

social distancing and sanitation

elaborate armour that helps to

It was specifically developed

protocols in place, this doesn’t mean

protect them from the elements

by scientists in the USA to support

we shouldn’t add an extra line of

and from a hostile environment.

the American soldiers in Iraq

defence for our health and safety.

Unfortunately, as humans our

against stress and stress-related

armour, the immune system, is

diseases. The antioxidant formula

available at all Ear Institutes and

internal and therefore needs to be

boosts the immune defences

other leading audiologists. •

properly maintained.

and helps with a wide range of

As the world tries to find balance

conditions, including joint pain,

from the ripple effects caused by the

tinnitus, balance disorders and

COVID-19 pandemic, our internal

general health.

armour needs an extra level of

Tinnitus sufferers now have

assistance, because our defences

an alternative that works in

are more vulnerable than usual.

conjunction with the immune

There is a significant link between

system, offering a ‘blanket of

stress and oxidative damage –

protection’ and relief. BioArmor

caused by toxins called free radicals

is more than just a multivitamin;

that are produced by our bodies

it’s a comprehensive health and

during the process of turning

hearing supplement with an

oxygen into energy. The

estimated 85% success rate

free radicals causes

in decreasing tinnitus.

inflammation and

In fact, BioArmor is

affects your whole body,

so powerful that it is

including your joints,

recommended that no

hearing and balance.

other supplements or

BioArmor Hearing Health has one of the best available

multivitamins should be taken. So with our body’s

antioxidant formulas

ability to fight off

on the market, with

free radicals being

a host of benefits

compromised, trying

that not only

to navigate the current

nourishes your

pandemic conditions

34

SILVER DIGEST // WINTER 2020

BioArmor Hearing Health is

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“Since taking BioArmor, my immune system is much stronger, my motion sickness has dramatically improved and I get much less flu.” Jan Grobbelaar

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Leisure …

A WOMAN MAKES A PLAN: ADVICE FOR A LIFETIME OF ADVENTURE, BEAUTY, AND SUCCESS Read this extract from the new memoir by Maye Musk, mother of South Africanborn entrepreneur Elon Musk, published by Jonathan Ball Publishers.

W

hen Maye Musk decided to make grey hair glamorous, she

Maye shares hard-earned wisdom and frank, practical

and a worldwide speaker in her

advice on careers (“the harder

sixties – a far cry from the young

you work, the luckier you get”),

divorcée living and working in

family (“let those you love go

Durban to make ends meet to

their own way”), health (“there

provide for her three children.

is no magic pill”), adventure (“make room for discovery, but

easy for the mother of South

always be ready for anything”),

African-born entrepreneur Elon

and more.

Musk. She struggled emotionally

SILVER DIGEST // WINTER 2020

In her compelling memoir,

became an international model

Things have not always been

36

cities over and over again.

With an indomitable spirit,

and financially as a single mom to

Maye overcame her hardships

Elon, Kimbal and Tosca, battled

with a no-nonsense attitude

weight issues, and she had to

and the firm belief that while

restart her life and her practice

one cannot control everything,

as a dietician in numerous new

you can always make a plan.


BOOK EXTR ACT

EXTRACT

Funny enough, when I see the

a dress, you walked around the

At fifty-nine years old, I let my

wrinkles on my face – and after

room, you went home. Why would

hair go silver. Two years later, I

sixty, wrinkles on my thighs and

that be well-paid? But it was,

was pregnant on the cover of New

my arms – I find them amusing.

especially for a girl my age.

York magazine. (Well, I wasn’t

I’m just so happy to be in good

really pregnant, but it looked

health.

I had no idea back then that I would still be a model at seventy-

pretty convincing.) At sixty-seven,

***

one. You just had to look around

I walked in my first runway show

I started modelling as a

the room at these things to

at New York Fashion Week with

teenager in Pretoria, South

understand that all the models

women who were a third of my

Africa, because a friend of my

were very young. I knew it was

age. At sixty-nine, I became a

parents’ ran a modelling school

temporary, and it didn’t bother me

CoverGirl.

and agency. Her name was Lettie,

at all. I was just happy to get paid.

and her husband had a plane, like

My goal wasn’t to model; it was to

I would never have predicted

my father. Every Sunday night,

go to university.

that letting my hair go grey

they would have dinner with our

would be the secret to becoming

family. Lettie was very beautiful

to my surprise. As planned, I got

a supermodel. I first walked a

and graceful, and she had a quiet

my degree, and then I got married:

runway at fifteen, and they told me

confidence that made you want to

another surprise. My goal wasn’t to

I’d be done at eighteen. As a model,

do what she asked you to.

have children so quickly either. I

Can you imagine? I never did.

I never expected to be carrying on

When my twin sister, Kaye, and

I still modelled in university,

didn’t realise I could fall pregnant

this long – and certainly not in my

I were fifteen, Lettie invited us to

on a honeymoon and have three

prime at seventy-one. But here I

do her modelling course for free,

kids in three years. Elon, Kimbal

am, fifty-six years later, and I’m

which we did without giving it

and Tosca were three more

still just getting started.

much thought. For the final walk,

surprises. With each child, I added

the one that would get us our

a few blond highlights to my hair.

down as they age. I’m running

diplomas, I made myself a pink

After Tosca, I was completely

like a speeding bullet. Exploring

suit in the style of Chanel. I had my

blond.

everything, having fun, working

brown hair done, and I did my own

more than ever, working on social

makeup.

Women don’t have to slow

media to make sure that I’m

Lettie was the one who started

I started modelling again after I’d had my three kids, because Lettie asked me to. Her

working more than ever, and having

hiring me to model, too. I would

agency needed somebody to do

the most fun. Did I mention fun?

do runway shows on Saturday

mother‑of‑the-bride runway

mornings in a department store

shows, and they couldn’t have an

we shouldn’t have to either. Don’t

when she asked, or print jobs. I

eighteen-year-old do it. All the

let aging slow you down or stop

didn’t feel special or privileged

other girls were too young. So she

you from moving ahead. Look after

about being a model. It was just a

asked me, because I was a very

yourself as best you can by eating

job. It was better paying than other

grown‑up twenty-eight. In this

well, smiling, and being active,

jobs, which was nice, but when I

way, I became the oldest model in

happy and confident. I have never

found that out, it surprised me.

South Africa.

been afraid of aging.

You went somewhere, you put on

If men don’t have to slow down,

*** WWW.SILVER DIGEST.CO.ZA

Continued …

37


LEISURE

By the time I was in my fifties,

BOOK EXTR ACT

doesn’t matter what colour hair

I was living in New York. I did a

you have, as long as you’re good.

few great campaigns, then signed

On the advice of my best friend,

with a bigger agency, because

Julia Perry, I cut my hair very

I thought it would increase my

short. It was an edgy, exciting look,

exposure. It did the opposite. I

nothing like I’d ever done before.

went from sometimes modelling to barely modelling. I’d email and say I didn’t join

After I went grey, the agency didn’t send me out for six months. It was a very painful period. It

them to stop modelling. They

started to seem as though there

would write back to say that there

would be no more opportunities

was no work for me.

for me there, that perhaps this was

I’d call. They’d say, “They just don’t want to see you. They prefer

the end of my modelling career. Then something interesting

the other models who are better

happened. A casting director

known than you.”

called my agency to book me for

I would think, “But they’re not that well-known either.” I couldn’t understand why the

the cover of Time magazine. This time my agency couldn’t say that I was not available, as the director’s

clients never wanted to see me

office was a block away from my

anymore. I’d been modelling for

home and she saw me walking my

decades, but maybe it was time. I

dog every morning.

was told that nobody liked my look anymore. By chance, I would run into some people who worked in the business. They would stop me in

Then they had to book me for the job. That was how I wound up in Time magazine, on the front

say, “We’ve been trying to book

my look. It was about my agency. I needed a plan. Everybody has their own

say, “People have been trying to

agenda. I wanted to take advantage

book me.”

of whatever work opportunities

“No, they haven’t. They’re

existed for me. My agents should

getting you mixed up with

have been promoting my career,

somebody else.”

but for some reason, they weren’t.

That was when I decided on

Once I understood this, I had to

my own to stop colouring my

deal with it. I couldn’t just stand

hair. I thought, “Well, I’m barely

by and let someone else keep work

modelling. I might as well see what

from me.

colour I am underneath.” My hair started to grow out,

I went down to the agency to speak my mind, because if you

and it looked terrible. There was a

want something, you have to ask

white patch on top and blond hair

for it.

at my shoulders. As a dietitian, it

38

SILVER DIGEST // WINTER 2020

To stand a chance to win, send an email to info@silverdigest.co.za with 'Maye Musk' in the subject line.

I realized that there was work out there for me. It wasn’t about

I would go to the agency and

We have two copies to give away of A Woman Makes a Plan: Advice for a Lifetime of Adventure, Beauty, and Success, the new memoir by Maye Musk, mother of South African-born billionaire entrepreneur Elon Musk.

page of the Health section.

the street or in a restaurant and you, but you’re never available.”

Giveaway

* This is an edited extract. •

CLICK AND ENTER


LEISURE

BOOKS

YOUR WINTER READING LIST AFTERLAND BY LAUREN BEUKES The new novel by international-award-winning South African author Lauren Beukes is set in a future where most of the men are dead and Cole and her twelve-yearold son Miles are on the run from the most dangerous person she knows: her sister. Miles is one of the lucky survivors of a global pandemic. But, in a world of women, that also makes him a hot commodity. The Department of Men wants to lock him away in quarantine, forever

THE ASIAN ASPIRATION BY GREG MILLS

maybe. A sinister cult of neon nuns wants to claim him for its own – the answer to their prayers. And boy

In 1960, the GDP per capita in South

traffickers are close on their heels, thanks to Billie, Cole’s

East Asian countries was nearly

ruthless sister, whom Cole thought she left for dead. In

half of that of Africa. By 1986, the

a desperate chase across a radically changed America,

gap had closed and today the trend

Cole will do whatever it takes to get Miles to safety.

is reversed, with more than half of

Because she’s all he’s got.

the world’s poorest now living in

CLICK TO SHOP BOOKS

Sub-Saharan Africa. Why has Asia developed while Africa lagged?

FIFTY INVENTIONS THAT SHAPED THE MODERN ECONOMY BY TIM HARFORD

The Asian Aspiration chronicles the

Who thought up paper money? How did the

lifted a billion people out of abject

contraceptive pill change the face of the legal

poverty within a single generation

profession? Why was the horse collar as important

– the largest such shift in human

for human progress as the steam engine? How

history. The relevance of Asia’s

did the humble spreadsheet turn the world of

example comes as Africa is facing a

finance upside-down? The world economy defies

population boom, which can either

comprehension. A continuously changing system

lead to crisis or prosperity; and as

of immense complexity, it offers over ten billion

Asia is again transforming, this time

distinct products and services, doubles in size every

out of low-cost manufacturing into

fifteen years, and links almost every one of the

high-tech, it leaves a void that is

planet’s seven billion people. It delivers astonishing

Africa’s for the taking. But far from

luxury to hundreds of millions. It also leaves

the determinism of ‘Africa Rising’,

hundreds of millions behind, puts tremendous

this book calls for unprecedented

strains on the ecosystem, and has an alarming

pragmatism in the pursuit of

habit of stalling. How can we make sense of this

African success. •

untold stories of explosive growth and changing fortunes: the leaders, events and policy choices that

bewildering system on which our lives depend? WWW.SILVER DIGEST.CO.ZA

39


LEISURE

SANGOMA BONE SCULPTURES Pitika Ntuli’s exhibition debuts at virtual National Arts Festival.

TEST DIGITAL AND ART REALMS

F

poets and writers can be heard and read while viewing wrap-around footage exploring the details of the haunting animal bone sculptures. This makes for an unforgettable visual and audio experience. The first of its kind, it has been

‘contemporary’ and

produced and conceived by the

‘primitive art’ have

Melrose gallery, Ntuli and curator

haunted African art history.

Ruzy Rusike. It was motivated by

Launching on June 25 at the

the limits COVID-19 and social

National Arts Festival, Pitika

distancing have placed not only on

Ntuli’s novel exhibition Azibuyele

South Africa’s annual art festival

Emasisweni (Return to the Source),

but the viewing of art in person. As a proclaimed healer, Ntuli

(each with their own praise song)

aims to use the animal bones to

challenges and tests these terms,

explore and ‘treat’ contemporary

as well as how art can be enjoyed

problems: from issues plaguing

virtually.

the state of the nation to the strife

Ntuli’s chosen material, animal

caused by COVID-19. The eighty-

bones, and approach – that of a

year-old artist has been circling

sangoma allowing the material

pertinent issues as an academic,

to guide him – invokes ancient

writer, activist and teacher but as

African indigenous and spiritual

the title of the exhibition suggests,

knowledge systems. However,

he is returning to ‘the source’

the viewer’s engagement

of his expression. In turn, he is

with the sculptures

encouraging society to return to

takes place virtually on

the ‘source’ of African spiritualism

a multimedia platform,

and knowledge as the means

where images of them

of resolving corruption, greed,

are seamlessly paired with

slavery and poverty. Above all, the

words, songs and voices.

bone sculptures – a result of Ntuli

The words and voices of Sibongile Khumalo,

SILVER DIGEST // WINTER 2020

and other respected musicians,

ixed definitions of

presenting 45 bone sculptures

40

Gcina Mhlope, Napo Masheane

teasing out human features from the animal skeletons – articulate

Simphiwe Dana, Zolani

his desire for humankind to

Mahola, Yvonne Chaka Chaka,

reconnect with nature.


ART

“I do not copy nor work like

– which also include Ngugi wa

on the spiritual wasteland that

nature. I work with nature. Bones

Thiong’o, Homi Bhabha, Albie

might define this era, thereby

are vital, as in imbued with life,

Sachs, Shado Twala, Ari Sitas,

collapsing those hard lines that

and it is the life they possess that

Nduduzo Makhathini, Ela Gandhi,

were thought to divide ancient and

possesses me when I work. We are

Buti Manamela, Kwesi Owusu and

contemporary concerns and art.

partners. Bones, like wood, have

Lallitha Jawahirilal – to engage

definite forms to work with. I do not

with his art, contributing poems,

oppose their internal and external

songs, thought notes, essays

Azibuyele Emasisweni (Return to the Source) will

directions, I externalise their

and dialogues to complement

run until August 2. The exhibition can be viewed on

inherent shapes to capture the

the sculptures in the online

www.themelrosegallery.com and other content on

beauty and the truth embedded in

viewing room.

www.nationalartsfestival.co.za

them – in other words, I empower

It is anticipated that these

the bones to attain their own ideal,”

‘artistic replies’ will greatly enrich

observes Ntuli.

the viewers’ experience of the

Given the novel sculptures

exhibition. In light of the COVID-19

and haunting anthropomorphic

pandemic that is impacting so

shapes and Ntuli’s standing as

profoundly, it is likely some of

a respected artist, activist and

the responses will contribute

academic – he was awarded the

to ongoing discussions and

lifetime achiever award in 2013 by

debates about healing.

the Arts & Culture Trust – Azibuyele

“Bones have a special

Emasisweni (Return to the Source)

potency and subtle spiritual

was expected to be one of the

energies; their endurance

main highlights on the visual arts

is legendary. We know who

programme at the National Arts

we are, and where we come

Festival, which usually takes place

from as a result of studying

in Grahamstown.

bone fossils. Bones are the

When it was announced the

evidence that we were alive

festival would have to transform

3.5 million years ago, and

into a virtual one, the Melrose

they are carriers of our

gallery, Rusike and Ntuli worked at

memories,” says Ntuli.

delivering more than just a gallery of images of sculptures. Pitika turned to his

VIEW ONLINE NOW

Azibuyele Emasisweni doesn’t only lead the viewer back in time but through a unique

contemporaries, inviting 33

and original use of material,

thought and creative leaders

form and symbolism reflects WWW.SILVER DIGEST.CO.ZA

41


LEISURE

THE BEGINNING: INDIAN RECIPES FROM MY HOME

A new cookbook by creative entrepreneur and Instagram food personality Naqiyah Mayat brings together local Indian culture and food memories in 240 pages of Indian family cooking at its best.

T

he narrative of South

later the shared experiences of

understanding and an overlap of

Africa’s Indian cuisine is

cooking for my children.”

food and culture, there are vast

set to get spiced up with

As a self-styled food

differences when it comes to

the release of Naqiyah Mayat’s new

personality, entrepreneur and

spices and methods of cooking,”

cookbook, The Beginning: Indian

mother of four, Naqiyah has

Naqiyah explains. “Growing up, my

Recipes from my Home, a glorious

taken the vivid memories from

mum used dry masala spice; but

walk through the modern kitchens

her Hindu upbringing and

Mohamed was raised on freshly

of South African Indian culture –

interwoven them with the fabric of

ground wet masala. So, when we

combining the spices, memories

her husband’s Muslim faith. The

got married, I discovered a way that

and traditions of both Hindu and

result: a tapestry of over 80 recipes

we could meet in the middle.”

Muslim kitchens.

that reflect a convergence of the

“For me, food has a magical

Naqiyah is an avid strategiser

two rich and diverse cultures.

when it comes to food – spending

way to connect and unify us. It’s

Mutton dhal gohst, red masala

at least 45 minutes each Sunday

the invisible thread that connects

chicken, crab curry, parata, roti,

morning planning a week’s worth

us all,” says Naqiyah. “From the

samoosas and masala tea are just

of meals and listing grocery

start, I wanted to publish a book

some of the delights to be found

items that need to be purchased

that harnessed the power of my

between the covers of this culinary

alongside it. Her book also gives

food memories – from growing up

treasure trove.

practical advice on meal planning

in a Hindu household, to the new

“Although my husband and

for your family, and special

discoveries that I had made when I

I come from a central point of

occasions: from menus and pre-

married into a Muslim family; and

‘being Indian’ and there is an

planning to tablescapes and décor.

42

SILVER DIGEST // WINTER 2020


RECIPES

Butter chicken SERVES 6 PREP TIME 15 MINUTES COOK TIME 45 MINUTES A rich cashew nut sauce with smoky notes gives this butter chicken recipe an authentic flavour profile reminiscent of your favourite North Indian/Pakistani restaurant. It takes a little effort to introduce the smoking coal to the pot to achieve this effect. However, the end result of a satisfying dish with layers of complex deliciousness is well worth the effort!

INGREDIENTS • 2 tbsp ghee • 1 small cinnamon stick • 2–4 cloves • 2–4 cardamom pods • ½ tsp whole cumin seeds • 1 onion, finely chopped

METHOD

FOR THE CHICKEN

• ½ cup unsalted (raw) cashew nuts

1. Toast cashew nuts in a pan to

1. Cut 1 chicken into bite-size

release a nutty aroma, then

pieces. I prefer using the

grind to a fine powder.

• 1 tbsp ground green chilli • ½ cup reduced fat cream • 1 cup fat-free or low-fat milk • ½ cup water • Salt

• 1 chicken cut into bite-size pieces • 3 tbsp lemon juice • 1 tsp fine black pepper

meatier pieces and adding

browned, empty the

in two chicken fillets to

chicken into the sauce and

heat on medium heat.

make up a full kilogram.

3. Add the cinnamon stick, cumin seeds and onion. 4. Sauté until golden and translucent. 5. Add the ground cashews and

• 1 tsp turmeric

incorporate them into the

• ½ tsp ground cumin powder

ghee and onion mixture.

• ½ tsp ground coriander powder • 3 tbsp butter • 3 pieces of charcoal • Fresh coriander, to garnish

this stage. 7. Once the chicken has

2. In a pot, add the ghee and

cloves, cardamom pods,

FOR THE CHICKEN

yellow-coloured sauce at

6. To this, add the ground green chilli (to taste) and mix well. 7. Add the cream, fat-free or low-fat milk, and water. 8. Add salt to taste and allow to thicken. 9. Using a stick blender, purée and blend the sauce.

stir well.

I omit the wings and

8. Light three pieces of

drumsticks altogether.

charcoal and empty into a

2. Add the lemon juice, fine black pepper, turmeric,

foil-lined small dish. 9. Place in the middle of

ground cumin powder and

the pot containing the

ground coriander powder.

sauce and chicken. Add 2

3. In an oven-safe pan, add

tablespoons of sunflower

the butter. Seal the outside

oil to the charcoal and

of the chicken.

close the lid immediately.

4. Remove from the stove-top

10. Switch the stove off and

and char under the grill in

leave the coal in for 10

the oven. 5. Pour the liquid from the

minutes. 11. Discard the coal and

grill pan into the sauce

garnish with fresh

and mix well.

coriander and crushed

6. You should achieve a

cashew nuts, if desired. WWW.SILVER DIGEST.CO.ZA

43


LEISURE

RECIPES

Mielie meal roti SERVES 15

METHOD

PREP TIME 15 MINUTES

1. In a thick base pot, add the 2½

COOK TIME 30 MINUTES

cups of water, oil and salt. 2. When the water starts boiling

Now that you’ve tried your hand at making roti (ideally, you should make it at least three times before advancing to mielie meal roti), let me guide you through the steps of making this roti. This yields a super soft roti once toasted, which has a soft and floury smell and texture. It is thinner

TIP

Ratio is 2 cups 1 cup ie m lie meal to u use yo If . ur cake flo meal, lie ie m of ps cu 4 of ps cu 2 e then us cake flour.

Mother-in-law’s punch

rapidly, add 2 cups of creamy maize meal. Stir well. 3. Now add the ¼ cup of water, cover and leave to cook for 5 minutes. 4. Reduce heat. The steam will cook the maize meal. 5. Empty into a dish. Add a full cup of cake flour. 6. At this stage, you can use your

than the traditional roti and

food processor or hand-held

best suited to eating with gravy

beater with a dough hook to make

curries like fish curry, yam or

the dough.

madumbi curry, banana curry

7. If you prefer using your hands to

or even on its own (as I prefer,

bring the dough together, break

with a cup of tea).

the dough into pieces and bring it together again into one ball and

INGREDIENTS • 2½ cups water

knead thoroughly until you get a smooth, velvety dough.

• 1 tbsp oil

8. Break into 15 equal-sized balls.

SERVES 8

• 1 tsp fine salt

9. Manipulate each ball into a disc

PREP TIME 15 MINUTES

• 2 cups creamy maize meal

There is no large family gathering that can go without

• ¼ cup water

a large bowl of this delicious mother-in-law’s punch,

• 1 cup flour

and roll it flat until it is slightly bigger than a side plate. 10. Toast on a griddle on medium

cooling in the freezer a few hours before. If left in the

heat, turning once. You can add

freezer for too long, it becomes almost slushy – which

butter or ghee to toast.

my children say is never a bad thing. It’s difficult to stop at one glass. I love having to slurp out the stray bits of grated apple as I sip through this summer staple.

INGREDIENTS • 1½ cup Oros concentrate • 1 cup Wild Island Granadilla & Mango concentrate • ½ cup Halls Guava concentrate • ½ cup naartjie juice • 8 cups water • Pulp of 2 granadillas • ½ tsp ground cardamom • 1 tbsp rose syrup, for colour • 1 apple, grated • Mint leaves Mix all the ingredients in a large jug and serve chilled. 44

SILVER DIGEST // WINTER 2020


INSPIRING SOUTH AFRICA’S KITCHENS Go to FOOD24.COM for over 20 000 easy recipes + how to cook them


LEISURE

RANGE ROVER TURNS

50

This June marked 50 years since the first Range Rover was revealed, but the story goes back even further.

D

uring the mid-1960s, in a bid to revolutionise the growing 4x4 leisure market, the Rover car company’s engineering chief for new vehicle

projects, Charles Spencer ‘Spen’ King (nephew of the founders of Land Rover), hatched a plan to combine the comfort and on-road ability of a Rover saloon with the off-road capability of a Land Rover. Development of the first 100-inch station wagon

prototype began during the late 1960s, with the first model being released to the world’s media to critical acclaim in 1970. Its blend of ability – motorway cruising, off-roading, and even towing in style and comfort – ensured its instant popularity. The original Classic model was cited as an ‘exemplary work of industrial design’ when it became the first vehicle to be displayed at the world-famous Louvre Museum in Paris in 1971. The first-generation Range Rover (1970-1996) was originally only available as a two-door when it went on sale in 1970. During its 26-year lifespan, the Classic continued to evolve with the introduction of the fourdoor model in 1981 and an automatic gearbox in 1982. The first diesel Range Rover arrived in 1986. The second-generation Range Rover, known as the P38A, arrived in 1994 and was instantly recognisable thanks to its familiar

46

SILVER DIGEST // WINTER 2020


M O TO R I N G

THE DARIEN GAP RANGE ROVER The Darien Gap is a 250-mile stretch of swamp and impenetrable jungle that prevents road traffic passing between the north silhouette, floating roof, clamshell bonnet, practical

and south parts

split tailgate and continuous waistline; all of which

of the American

continue to this day. The vehicle also displayed an even

continent. Local action

more luxurious interior, without compromising on its

committees suggested

on-road ability and off-road capability. It also featured

attracting publicity for

enhanced height-adjustable suspension, as well as a

the problem through

2.5-litre diesel and 3.9- and 4.6-litre versions of the V8

an expedition to cross

petrol, providing greater performance than ever before.

the Darien Gap by road

The third-generation Range Rover (2001-

vehicles, and the idea

2012) delivered a wealth of improvements on all

was enthusiastically

predecessors during its 11-year period. Engineering

taken up by the British

innovations included a stiffer monocoque body

Trans Americas

(replacing the traditional 4x4 ladder frame) and fully

Committee.

independent suspension with interconnected air

British Leyland

springs (at the time nearly all 4x4s had rigid axles).

supplied two Range

The interiors of these vehicles were inspired by high-

Rovers as transport

end yachts, fine furniture and first-class airline seats,

for the expedition,

providing more space and luxury.

which was led by Col

In 2012, the fourth-generation and most recent

John Blashford-Snell.

Range Rover debuted. It was the first SUV to feature

Between December

lightweight all-aluminium construction, saving 420kg

1971 and June 1972,

in weight compared to its predecessor. Featuring a

they drove the full

wealth of new off-road innovations, such as automatic

18 000-mile length

Terrain Response™ 2 and All-Terrain Progress Control,

of the American

it has evolved to include efficient new electrified

continent from

Ingenium engines, a plug-in hybrid electric version

Alaska to Cape Horn.

and innovative infotainment and safety technologies.

It took 99 days for

For the last five years, the Range Rover

the vehicles to fight

SVAutobiography has been at the pinnacle of the model

their way through

line-up, with the most powerful and refined vehicles

the Darien Gap itself,

in Range Rover’s history. Produced by Land Rover’s

but the expedition’s

Special Vehicle Operations division, customers can also

success contributed

choose from the Range Rover SVAutobiography and

enormously to world-

SVAutobiography Dynamic – which feature powerful V8

wide esteem for the

engines and finely crafted cabins.

Range Rover. • WWW.SILVER DIGEST.CO.ZA

47


LEISURE

PUZZLES

PUZZLES & SOLUTIONS SUDOKU: Enter numbers into the blank spaces so that each row, column and 3x3 box contains the numbers 1 to 9.

SOLUTION TO LAST ISSUE'S CROSSWORD

48

SILVER DIGEST // WINTER 2020

SOLUTION TO LAST ISSUE'S SUDOKU


IN PARTNERSHIP WITH

WE HAVE EMPTY RESTAURANT KITCHENS … BUT MORE AND MORE HUNGRY SOUTH AFRICANS WE’RE RAISING FUNDS FOR RESTAURANTS TO FEED THOSE IN NEED

DONATE AT HELP.EATOUT.CO.ZA


LEISURE

PUZZLES

CROSSWORD

CLICK FOR THESAURUS

50

SILVER DIGEST // WINTER 2020


and downs, and for every day to come, we’ll never stop working to earn your trust and grow your money. Since 1993, Coronation has stood by this country. And we will always continue to do so. By supporting the Solidarity Fund you’re supporting the nation, www.solidarityfund.co.za.

Profile for New Media B2B

Silver Digest June/July 2020  

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