Issue 3.0 // 004
Sep // Oct // Nov '19
growth, together. Our mission is to deliver value-adding products and services to the agricultural and related industries and to the communities in which we operate.
I am often asked the question, ‘where are you based?’, and people wait with an expression of anticipation to receive an answer. But where are we all really based? Where do you find yourself? Is it at a crossroads or a new opportunity? A stale environment, yearning for something new, or something fresh, a cool breeze on a long, hot summer’s day? Where is it that you find yourself? We are often caught up in our phones, going from one end to the other, sometimes missing the obvious message, passing opportunities, grabbing the next coffee on the go, one milk two sugars, being too late, being too early, eagerly checking our social status and reviewing our post likes. But where do you find yourself? Are you there, connected to your social network, rather than to a real social life, containing real people with real lives instead of likes? We get trapped in a cycle of repetition, and before you know it, your time is up, and you are left half empty. Here today, gone tomorrow. But one thing is always there: choice. It’s when we choose to listen that we really start to notice the things around us. Having tender hearts and open eyes – that’s when we truly start seeing the worth of this world, and there is so much of it. We are creatures of habit. Break the cycle. Don’t let your stale environment transform you into something you are not. Break the habit if you must ... but be you. Be the best you can ever be. You are more than you give yourself credit for. And most important of all, be present. Our mission with the TWK Radius is to be present, to be constant and to be a living, tangible piece of TWK Agri. A gentle reminder that we are here: we are here to support, to give advice, to help change for the better and to serve. Our magazine has come a long way, and we would like to thank all those who have contributed, encouraged and guarded the TWK Radius in its transformation. It has been quite a journey. Every edition is very special, and each page is treated with lengthy care and attention. So now, over to you. We hope that you enjoy our spring edition and that we can be of service in
TWK Agri (Pty) Ltd. PO Box 128, Piet Retief 2380 Tel: 017 824 1000 Email: email@example.com www.twkagri.com RADIUS Editor in Chief: Wessel van Zyl Editor: Louise Johnson Graphic design: Louise Johnson Editorial Assistant: Wilna Liebenberg Accounts: Annamarie Roodt Invest in TWK www.twkagri.com/invest firstname.lastname@example.org Facebook:@TWKAgri//Instagram:twkagri Twitter: @TWK_Agri//LinkedIn:TWK Agri TWK YouTube-channel: http://bit.ly/twkvideos Advertising: Ruth Shultz, (Schmiltz Media) 081 480 6413 | 083 583 5243 email@example.com Contributors: Elmien van Schalkwyk, Marius van der Watt, Nick Grantham, Ecki Kohlmeyer, John Swaine, Annica Venter, Garth van Rensburg, Desiré du Plessis, Jaco Jacobs, Alex von Houwelingen, Claire Lagerwall, Letitia Coetzer, Claudine Klingenberg, Riaan Snyder, SanMarie Brauckmann, Wendy McSeveny, Chantell Grobler, Angus Buchan. Distribution: Prosource Technologies Printing: Pinetown Print Editorial Enquiries: Tel: 017 824 1150 Email: firstname.lastname@example.org
some way or another. TWK Agri (PTY) Ltd and / Radius nor any of its officials, members, employees, agents, representatives, shareholders or directors shall not be liable for any loss, damage, or any liability of whatsoever nature which may arise to the reader as a consequence of this publication or as a result of the reader or any other person acting on the strength, accuracy or correctness of the content provided in this publication.
Louise Johnson Editor: Radius
Radius makes no representation, furnish no warranty or guarantee, actual or implied or otherwise that the content, information or data in this publication are free from errors, omissions or inaccuracies. No information, ideas, opinions, views or other data available in this publication should be regarded as professional advice or the professional opinion of Radius or any of its members, employees, agents, representatives and shareholders and all readers are informed to obtain professional advice before taking any course of action relation to anything contained in this publication.
TWK Nursery, Piet Retief
CONTENT Standard Bank Agribusiness: Transformation Programme With UFS - June 2019 TWK Pietermaritzburg
CRISPR Gene Editing For Crop Development
BedRock Mining Timber Production
Pulp Market Lookout
Mpumalanga Landbou Kongres 2019
Conduct Of Financial Institutions Bill
Oesversekering, Neem 'n Ingeligte Besluit
My Companion: The Australian Cattle Dog Knowing More About The Dams And Reservoirs Of South Africa: Wagendrift Dam Building A Deck, What To Consider
The Battle Of Isandlwana My Smart Money: Strategies For Successfull Investing Passionate About Pets
Basjan Se Boomhuis: Die Suigstokkieboom
The Legend Of The Well And The Ring Going From Couch Potato To Completing Your First 10 KM Race New Legend 50
07 08 12 14 19 22 24 26 28 33 34 36 40 46 48 58 60 64
TWK Opens Haval Dealership DIY Met (Ons Eie) Riaan: 'n Blommerakkie Vir Lente Piet Retief Open Gardens 2019
Mandela Day 2019
CafĂŠ Welverdiend: Gebottelde Slaai
City Hall, Pietermaritzburg
67 70 72 76 80 82
STANDARD BANK AGRIBUSINESS TRANSFORMATION PROGRAMME WITH UFS JUNE 2019 Standard Bank, Free State Department of Agriculture and Rural Development and the University of the Free State combine forces to bring transformation to local agriculture
five-year, multi-pronged programme that brings
The factor making the programme more relevant is that participants
together the government, academia and the
in Free State farming activities are ageing, the number of people
entering the sector is declining, and food security relies primarily
launched in the Free State. The programme aims to
on production from large commercial farming operations. ‘The
enhance the delivery of crucial skills to black farmers involved in
development of this sector and the creation of medium-sized
the production of crops and livestock. The programme, believed
enterprises is therefore vital to the future of food production in
to be the first of its type to be introduced in the country, is funded
South Africa,’ says Groenewald.
by Standard Bank, supported by the faculties of Agriculture and Entrepreneur Development at the University of the Free State, and
Once its success in the Free State has been gauged, the
focused on farmers identified and supported by the Free State’s
programme is intended to be introduced in other provinces.
Department of Agriculture and Rural Development.
Provinces earmarked are the Northern Cape and Eastern Cape. To date, 25 farmers have undergone a selection process,
In a unique approach to transformation and development,
supervised by the university, for the current programme. As the
commercial farmers involved in primary and secondary agriculture
programme progresses, they will be offered skills training and
who receive grants from the Department of Agriculture are being
practical support on their farm – a process that will allow what
given the opportunity to hone their skills both on and off their
they have learned to be applied and tested in a ‘live’ situation.
farms, says Nico Groenewald, Head of Agribusiness at Standard
Specially selected mentors will work with farmers to identify and
Bank. ‘The objective of the programme is to ensure that farmers
close the operational gaps existing in their day-to-day activities.
receiving financial assistance become sustainable to the point
These could vary from financial and administrative skills through to
where they can source funding for growing their operations from
crop and livestock production.
the traditional banking sector.’ ‘The programme is unique in that it provides “end-to-end” support. ‘The University of the Free State has designed several modules
The farmer, instead of being given some training and then being
that address current weaknesses that are obstructing the farmers’
left to his own devices, can farm – secure in the knowledge that
ability to become viable commercial enterprises. The Agribusiness
advice is always at hand. He can access the experience required
Transformation Programme is aimed at impacting 60 farmers
to boost his skills to the point where he becomes a confident,
engaged in primary agriculture and 15 in secondary agriculture
independent operator,’ says Groenewald.
– an activity that includes processing outputs from contracted farmers, small-scale milling, the operation of feedlots and similar activities,’ adds Diale Mokgojwa, Senior Manager for Enterprise Development at Standard Bank.
‘The project is seen as a launchpad to increased involvement in agriculture around the country. The intention is to fill agriculture’s “missing middle” and enable small-scale farmers to become viable commercial enterprises that have the potential for further growth. At present there is a dearth of these medium-sized operations in South African agriculture,’ Diale concludes.
By Louise Johnson
n every weekly visit to Pietermaritzburg I always
outdoors section and â€“ newly added â€“ a regional administration
get that same feeling: Welcome. TWK Trade
hub, which includes Trade administration staff, TWK Insurance and
Pietermaritzburg displays the most beautiful spring
TWK Corporate Services.
spread and colourful appeal one could imagine,
making their storefront most inviting.
The branch manager, Marius van der Watt, along with his assistant
From left: Marius Van Der Watt, Freedom Dladla, Kumaree Sukai, Nomhle Zuma, Very-Fine Mkhize, Mandisa Ncwane, Morne Klopper, Thuli Dlamini, Pam Bower, Shahir Makhan, Banale Masiko, Joseph Thusi, Ernest Kriel, Mbusiseni Shezi
With the unmistakable cow at the entrance gate, one cannot
manager, Ernest Bricout, and his team of 25 staff members have
help but smile. This magnificent store boasts a hardware store, an
recently renovated the Trade store with new shelving and some
TWK Trade, Pietermaritzburg
TWK TRADE // PMB
TWK Trade Outdoor, Pietermaritzburg
The outdoors section has a great layout of camping equipment, gas pellet guns, clothing for kids and adults, and with knowledgeable and friendly staff to assist, you cannot go wrong in making a stop there. Kit your next camping, or glamping, experience out the right way and let these guys guide you from your gas bottle to your tent.
From the outdoors section, Marius guided me
TWK Trade Nursery, Pietermaritzburg
other small finishing touches to provide more efficient space
to the shed, where six very hardworking men
usage, a better-structured store layout and just an overall better-
were loading and unloading stock, zooting past on their forklifts
Carlo Bezuidenhout and his team assisted with the layout of the store and the hardware, sorting and placing items of the same nature together. Johan Greeff and his team added support for the whole process
new items on the TWK system - a mammoth of a task in itself. Thank you to these teams for making our store renovation possible.
don't you pop in there and see for
From left: Welcome Majola, Victor Malust, Sanele Nene, Dumsane Bhengu, Michael Mchunu
getting the products out and loaded in an orderly, efficient
manner. These hardworking hands are a crucial part of the Trade store.
On the opposite side of the building stands the new Regional Hub. Once inside, the modernly renovated offices are quiet and serene. With staff such as Carina Pretorius at Cashless Cards and Neels Nel at
From Left: Kino Govender, Fikile Ndlovu
Camperdown, Wartburg, Cato Ridge, Eston, Richmond and Hillcrest. Typical products that TWK customers can expect are irrigation systems, fencing material, gardening equipment, animal feed and medicine, to name a handful. While browsing through the aisles, I have come to notice some rather unique products at very competitive prices that spark new ideas of creativity. The customer base is also very well balanced, with 50% agricultural and 50% private consumers. So, you can expect to find whatever you are looking for there. TWK Regional Hub, Pietermaritzburg
TWK RADIUS Insurance, service cannot get any better, and it cannot get any
rekindling event. The TWK Agri Classic is an exciting event where
more comfortable having all your business discussions done on
customers and clients are invited to join TWK for a day of golf,
followed by an awards function. In 2019, Jacobus Silwer provided live entertainment for the evening, which everyone thoroughly
The team at the Maritzburg Trade Branch are a proud lot, and
it is evident in their facial expressions that they love serving their clients and customers.
Maritzburg is centrally situated between the Drakensberg and the East Coast, which makes it a perfect place to call home. Many
TWK also held auspicious golf days in Maritzburg over the past
of the Maritzburg residents will tell you that they will not swop this
two years – the TWK Agri Classic. This lovely golf tournament
is accompanied by a staff function the previous night, with most of the executive management attending, making this a
Some interesting facts about Maritzburg: The annual ultramarathon, the Comrades, is approximately 89 kilometres long and is run between Pietermaritzburg and Durban. It is the world’s largest and oldest ultramarathon.
Maritzburg is recognised as Africa’s bike city. They are internationally known for hosting the most varied events in history.
The Maritzburg Royal Show, an annual trade show, is held at the show grounds with from 5 000 to 20 000 visitors expected and somewhere between 100 and 500 exhibitors. The Royal Show is generally around May and June.
The City Hall is a well-known landmark in the area. It is the largest brick building in the southern hemisphere. Some noticeable features are the phoenix, and – most impressive - the largest pipe organ in the southern hemisphere: a Brindley and Foster with 3 806 pipes, ranging in size from 11 metres long to that of a knitting needle.
I think the most exciting fact of all is that the building that TWK Trade now operates from used to be the old Nestlé factory. Nestlé moved to Estcourt round about 1927 due to an increase in product demand. To meet these demands, they purchased the South African Condensed Milk Company Ltd in Donnybrook, and the Estcourt and Franklin factories of Joseph Baynes Ltd. TWK Trade, Pietermaritzburg │ Tel: (033) 342 1530 Email: email@example.com │ Address: 50 Winston Road, Dorpspruit, Pietermaritzburg
TWK TRADE // PMB
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CRISPR GENE EDITING
FOR CROP DEVELOPMENT
By Nick Grantham
lustered regularly interspersed short palindromic
which enriched those desirable genes’ presence in the gene
repeats, or CRISPR, and the CRISPR-associated
pool. In the 1930s researchers realised that they could use DNA-
protein, Cas, together form a type of microbial
damaging chemicals or ionising radiation to accelerate the rate
immune system that causes targeted DNA breaks
of mutation with a technique called induced mutation. The DNA
in viruses that infect bacteria. In 2012 Jennifer Doudna and
from plants developed by this technique is indistinguishable from
Emmanuelle Charpentier realised that they could re-engineer this
those that were developed by the older method, and so they are
system to target any gene and in any organism. This had profound
considered to be perfectly safe to eat. Some 3 300 varieties have
consequences for agriculture, and almost overnight plant
so far been developed in this way for nearly every single species
breeders were provided with a tool that could safely produce
of cultivated plant.
new varieties of crops with improved agronomic traits and consumer appeal. This could be done more precisely, cheaply,
While this process is faster than its forerunner, it is not an easy
more easily and faster than any method of crop development
process to implement and many hundreds of thousands of plants
that had existed before, namely cross-pollination, hybridisation,
are subjected to the mutations, grown to maturity and then
induced mutation or genetic modification.
selected from there in the hope that something attractive may appear. However, it cannot be predicted where in the DNA,
Mutations sometimes arise spontaneously. They may be caused
or what exactly this induced change may be. Plants edited
by sunshine, exposure to certain chemicals, or simply a mistake
with CRISPR-Cas carry these same types of mutation and are
that gets made during the copying of genetic material. This
indistinguishable from those mutations that occur naturally or by
slight bumbling of DNA replication over long periods of time is
the process that eventually provided us with the crops we farm today – things that are now fundamentally different from their wild
Gene editing is often thought of as a new breeding technique
ancestors and better suited to grow according to man’s needs.
in its own right, but it is essentially just the next step in a system of plant breeding and selection that has existed for as long as
Whenever a mutation occurs it may slightly change the way a
agriculture has. Gene editing allows the mutations to be caused
plant grows. Sometimes this causes plants to grow faster, or to be
at very specific positions within the plant’s DNA and therefore
easier to harvest. Early farmers therefore used those plants with
eliminates the random nature of breeding and the need for large
desirable traits as breeding stock to produce the next generation,
trials. An existing variety can simply be gene edited to ensure
CRISPR-Cas gene editing is more precise than any form of induced mutagenesis that has existed previously. It is more reliable, easier to use, more versatile in target site selection, and cheaper than other forms of gene editing that currently exist. In a process referred to as the democratisation of biotech, the formerly restrictive field of plant breeding and variety development has been opened to anyone with a decent understanding of molecular biology. The system has two components: CRISPR functions as a guiding mechanism to shuttle Cas along to specific DNA regions. Once there, Cas cuts through both strands of the DNA. After the break has been made, the cell’s DNA repair machinery begins to function. The repair process is error prone and will randomly insert or delete DNA bases during the reconnection of broken ends, which generally has the effect of inactivating the gene in question. This targeted method of DNA cleavage allows for specific genes to be inactivated in a way that is indistinguishable from naturally occurring mutations.
Using CRISPR to develop new agricultural varieties is very appealing when it is considered how cheaply and easily it can be implemented. Almost all that is needed is a good knowledge of which genes cause which undesirable traits and what their DNA sequence is. These can then be silenced and the resulting plant should be free of that trait. Fungus-resistant wheat, higher-yielding rice, late-flowering and bigger soybeans, albino watermelons, disease-resistant citrus, and more easily harvestable tomatoes are but a few types of plants that have already been developed with this method of genome editing.
As this process does not require foreign DNA to be inserted or integrated into the new variety, the developed plants are not considered to be GMOs, but are rather treated as conventionally bred plants. They do not require to be specially labelled and have avoided the lengthy and burdensome compliance with GMO legislation, although this does depend on the laws of the country in question. The arrival and widespread applicability of CRISPR is an unprecedented leap in agricultural technology, and it holds great promise to make an even bigger advance than the Green Revolution of the sixties did. It would be unwise to pay heed to arguments from a position of ignorance that the technology should be regulated and to make the same mistake that we did with excessive legislation around genetic modification in the 90s. ■
Elize Bruwer │ Manager: Crop Insurance │ firstname.lastname@example.org │ C: (082) 371 2891
proverbial haystack after the random induction of mutations.
REST ASSURED THAT YOUR CROP IS INSURED THE RIGHT WAY.
it carries a certain desired trait, rather than searching for it in a
MINING TIMBER PRODUCTION By Elmien van Schalkwyk and Ecki Kohlmeyer
During 2017 TWK acquired a strategic equity stake in BedRock and welcomed BedRock to the TWK group of companies.
edRock Mining Support is a fully integrated timber-
and safety management system) to promote a safe and healthy
based support company supplying underground mine
work environment by providing a framework that allows them to
support to South African gold and platinum mines. The
consistently identify and control health and safety risks, reduce the
company operates three mining-timber sawmills in
potential of accidents, aid legislative compliance and improve
close proximity to the timber source. BedRock also has a presence
on the premises of our customers across the gold and platinum mining areas.
The company employs a unique blend of professionals from the operational, financial and mining disciplines who pride themselves
The company provides mine safety support cost-effectively,
on their entrepreneurial roots as well as great relationships with all
consistently and reliably. It optimises the timber and support value
their stakeholders. The ingredients for great relationships are what
chain from plantation to stope, which enables us to delight our
they hold dear â€Ś
customers with quality, on-time, in-full delivery â€“ every time. BedRock embraces the ISO 18001 OHSMS (occupational health
BedRock provides a comprehensive suite of timber-based products for most applications in support of underground mining operations as well as dunnage for industrial and export purposes. Our products are complemented by an extensive array of on-site services, ranging from fire-retardant treatment, underground monitoring and the loading of material cars on the shaft bank. TIMBER COMPOSITE
A timber composite is a configuration made from trims (square chocks) and concrete bricks, spun together with wire in order to reduce the costly timber components. This is mostly used in the gold-mining sector. The composites are stacked from the hang wall (floor) to the footwall (roof) and pre-stressed, mostly with a bag pumped with concrete pressing the upper section of the composite against the roof (footwall).
CLOSURE METER USED WITH TIMBER/BRICK COMPOSITE
A closure meter is an instrument used to measure the yielding (reducing in height) of the product as the load from the footwall (roof) increases.
SOLID MAT APPLICATION USED IN STOPES
A solid mat is a configuration made from chocks (pole slabbed two opposite sides) spun together with wire. It is used mostly in the gold-mining sector, where very strong support is required.
Solid mats are produced at the Rutlands, Glenthorpe and Piet Retief mills.
SATURN PROPS USED WITH PRE-STRESSING POT
Saturn props are produced at the Rutlands, Glenthorpe and Piet Retief mills. Saturn props are produced from poles with a specific diameter turned down to a required diameter. These turned poles are then cut on the ends and wirebound to specific dimensions to avoid cracks and also to provide better yielding (crumbling) on the yielding end.
PENCIL PROP APPLICATION WITH PRE-STRESSING STEEL POT
Glenthorpe and Piet Retief mills. They are mostly used in the platinum sector. A pencil prop is manufactured from a pole with a specific diameter and a sharpened point at one end.
The sharpened end will start to crumble (yield) as the load increases.
Chocks are also produced at the Rutlands, Glenthorpe and Piet Retief mills. They are used where very strong support is required (deep-level mining). Chocks are produced at a larger rise (height of the chock), which makes stacking underground faster and more versatile. The product is produced from poles with two opposite large bearing faces.
Typically, timber dunnage is used to secure and protect cargo from moisture, contamination and mechanical damage during transportation. Dunnage is an integral part of our business, as it consumes a part of the tree that would otherwise have been sent to the pulp market.
Dunnage has many uses, but is mainly used in ships, trucking, containers and in the steel industry. Dunnage used in ships is mainly utilised as hull protection to lift the cargo off the floor to prevent water from coming into contact with the cargo. Dunnage used in the steel and trucking industries is used as a â€˜spacerâ€™ to separate layers of steel and/or products for ease of storing, loading, unloading and transportation purposes.
Dunnage products can be manufactured to meet specific requirements, but are mainly manufactured in lengths between 1,0 and 2,4 m, with a thickness varying between 50 and 80 mm.
Timber dunnage supplied to the shipping industry
insect pests from moving offshore and/or entering foreign countries.
Glenthorpe and Piet Retief mills.
Pack support is generally used as permanent passive support away
2009 – Consolidation of B-BBEE partner with the introduction of Shalamuka Capital;
from the working face and on gullies to provide areal cover in the
2010 – Acquisition of 30 000 ha of plantations from Mondi;
stope. Examples are chock packs, modular mat packs, C-packs,
2014 – Sale of 30 000 ha of plantations to MTO Forestry;
spaced mat packs, end-grain mat packs, timber-composite mat
Secured a 10-year renewable timber supply contract with
packs and brick-composite mat packs. Pack support is commonly
used in deep-level gold and platinum mines.
Established a modernised shareholding structure, poised for future growth; 2016 – Creation of a staff investment company called
Elongate support is generally used in shallower gold and platinum
OLANDELAYO, colloquially meaning ‘the next in line’,
mines where conditions allow. Elongate support can vary
through which the future level management will acquire an
from basic mine poles that allow minimal deformation to more sophisticated designs of pencil props, Saturn props and other
equity stake in BedRock; •
2017 – BedRock concluded a sale-of-equity agreement with
higher-yielding elongates, with design yielding of up to 400 mm
TWK Agri (Pty) Ltd, whereby TWK acquired a strategic equity
stake in the business.
Technical and logistical services
BedRock’s major clients include:
BedRock has established itself over the years as a leader in
platinum group metals (PGMs), accounting for about 40% of
the provision of technical services associated with its products. Backed by a management team, including mining engineers,
the world’s newly mined platinum; •
Groundwork Consulting external link provides technical services, including support-design optimisation, to all our customers. This relationship has endured and prospered for many years and has earned accolades for the value it adds to the cost-effective support management within our customer base.
Logistical services The movement of a strategic product such as timber-based mine support over long distances and ultimately down a mine shaft requires some sophisticated logistical and holding systems. Products are bundled, where possible, and delivered at the shaft head in material cars, with minimal re-handling. The emphasis of all logistical systems is primarily on ergonomic handling and making life easier for the end user.
History and milestones The modern-day BedRock has its roots firmly embedded in the mining and forestry industries, with a strong focus on corporate governance, without neglecting our entrepreneurial foundation. Milestones •
1998 – Awarded supply contract for timber-based support to Gold Fields Group of mines, now Sibanye Gold;
1999 – Awarded supply contract for timber-based support to Anglo Platinum Group of mines;
Awarded supply contract for timber-based support to Lonmin Platinum Group of mines;
2000 – Management buy-out of Sappi Mining Timber;
2002 – BEE deal with Mmakau Mining;
2006 – BEE deal with RMB Corvest;
2008 – Official formation of BedRock Mining Support in its current format;
Anglo Platinum: the world’s leading primary producer of
Lonmin: a primary producer of platinum group metals (PGMs);
Sibanye Gold: the new gold champion for South Africa.
We understand agriculture because we understand growth. In a relationship spanning over half a century, Total has developed a deep understanding of the agricultural sector. An understanding that drives us to develop better, more customer-centric solutions as we continue to support our farmers with the innovative products and expert advice they need.
By John Swaine
sia is the top pulp- and paper-producing region in the world, with China being the largest pulp- and paper-producing country in the world, which effectively means that China has a big impact on pulp demand and pricing.
There has been a significant downward trend in the price of pulp over the past 12 months, which ultimately also has the potential to affect the woodchip market. This article provides some insight into the cause and potential impacts of this trend. There are two pulp price indices that are used in this article to depict pulp price trends: one for Europe, where pulp prices are on average $100/ton higher than pulp cycle theforsame…but can However, still learn delivered to China, and No the pulp priceis index pulp deliveredwe to China. both follow the same trend. 1,400
Pulp prices have been cyclical in nature, as can be seen by the six
distinct cycles between 1991 and 2018, depicted in Figure 1 below.
delivered to Europe.
List prices,US$/t, cif Europe
Figure 1: Pulp price history: pulp
6 1 2
• These pr that the s restored
• In short-t inventory expectati
• Prices in both dire
600 400 BEKP (Hardwood)
Source: PPPC, J.P. Morgan.
Source: Europulp, J.P. Morgan.
This bear cycle follows 2 years of record-high pr as producers’ balance sheets are stronger and hen shut down high-cost production
Prices move up on the basis of perceived pulp shortages, and down again when the market is perceived to be oversupplied. Figure 2 below shows the pulp price trend for hardwood pulp delivered to China for the period from May 2013 to May 2019.
Figure 2: Hardwood pulp price history: pulp delivered to China ($/ton)
Figure 10: Historical Hardwood Prices ($/t)
Figure 11: Historical Softwood Pri
550 Equity Research Latin America 24 July 2019
rid 50-3524 email@example.com
Source: FOEX, J.P. Morgan.
The pulp market
Source: FOEX, J.P. Morgan.
Our expectation of lower prices for longer is supported by i) weak seasonal demand until September; ii) record high pulp inventories; iii) is unfavorable There a generalglobal market expectation that supp is currently in a downward price cycle where The average annual growth in the world demand for pulp has supply/demand in 2H19-1H20; and iv) our analysis of historical price/cost data.
improve next year (vs. a long-term bearish view in prices as thitpulp could mean high-cost willing with a price decline more than 16%side, in May/June, accounts for 34% of global demand, from 14% tensuppliers’ years Onofthe softwood we note that that being prices last fell to below the 100 percentile ofup the production is lower (e.g., high-costPulp producers do cashthe curve theAccording global financial crisis. ago, and Chinese the sharpest drop over pastduring 10 years. to the pulp buying patterns remain unpredictable. prices to recover). market analysts, hardwood pulp prices are expected to average inventories at Chinese and European ports, as shown in Figure 3 the year-on-year pulp price dropped, as per Figure 2, by 33%
been 3% per year, equivalent to 1,2 million tons per year. China
Looking forward, we expect the hard-softwood price spread dynamics to play an below, have increased significantly to an all-time important role on the direction of softwood pulp prices.
26% year-on-year lower in 2019 and -2% in 2020.
high from an
average of 2 million tons to nearly 4 million tons, representing
The price increase from 2017 to 2018 occurred despite 4,8 million
two years of incremental demand growth. This is driving the We expect softwood pulp price spreads to nearly increase from the current low levels of tons of new hardwood pulp capacity: current pulpend price turn, high-cost pulp mills are starting $20-30/t to a more normalized level of $70/t by the ofdown. 2020.In In this scenario, would average $565/t over theproduction next 12 months andcosts at $640/t in • 2017 Oki mill insoftwood Indonesia, pulp with aprices 2,8 million ton pulp capacity to curb and reduce by reducing the purchase 2020 (vs. spot at $555/t). • 2018 Fibria 2nd line in Brazil, with a 2 million ton pulp capacity of high-cost fibre.
Suzano’s Commercial Strategy a Key Driver of Prices in the Short Term the utilisation rates of some pulp mills, with some taking extended However, during this period there was a historically high drop in
We some estimate there is 2.5Mtpa of downtime, which offset of the increased capacity.
excess inventories on pulp sellers’ hands, with 60% of that excess in the hands of major producer Suzano. Figure 3: Chinese and European ports pulp inventories (k tons)
4,000 3,500 3,000 2,500 2,000 1,500 1,000 500 0
Figure 6: Chinese and European Ports Pulp Inventories (kt)
Source: EuroPulp, J.P. Morgan.
Suzano (Neutral rated) has adopted a strategy to hold back sales to China in 4Q18-
The following new pulp totalling 4,65offers. million tons have been approved for implementation in 2021/2022. 1Q19 as capacity it did notexpansions agree with buyers’
Buyers have refused to pay above market prices to Suzano, and the company kept production running, which resulted in an unprecedented inventory build-up. To put things into perspective, we estimate Suzano finished 2Q with 3Mt of inventories (flat q/q, figure 7 below), which is 2.0x higher than normal and equivalent to 115 days of 20 TWKsales. TIMBER Suzano’s excess inventories is also equivalent to ~15 months of global incremental demand growth.
Pulp capacity (million tons)
Pulp capacity (million tons)
With no new market pulp capacity expansion in 2019 and 2020,
low pulp prices. However, the economics of pulp production vary
pulp prices are expected to start stabilising in 2020, while the
significantly depending on the grade of pulp (kraft, dissolving, or
above capacity expansions will start affecting the pulp market
high yield), the location and age of the pulp mill, and whether
again from 2021/2022.
pulp is integrated with paper production or supplied to the market (either dried or as wet-lap).
So how will this impact the woodchip market? In the short term, mills that do not have their full production capacity integrated
Although China's growth in the pulp and paper industry is
will reduce the purchase of high-cost woodchips for market pulp
still in its early stages, it is already impacting other parts of the
production. This will in turn lead to a softening of the woodchip
world. Given the nation's size and dense population, a small
percentage of change in the China market can have wideranging consequences worldwide. As an example, China is the
In the medium to long term, fibre availability remains a challenge
world's biggest producer of tissue, yet consumption is less than
for Asian pulp producers, where 15 m t/y of Asian pulp production
half of more developed countries. If China’s economy and
is largely dependent on imported woodchips. Demand is heavily
consumer wealth grow as projected it will need to increase its
concentrated in Japan and China, where imports of hardwood
tissue production from the current 11 m tons to 23 m tons to just
chips were 10,7 m bone dry metric tons (BDMT) and 12,5 m BDMT
reach the current Japanese production equivalent.
respectively in 2018, with China now having the largest demand. The Japanese paper industry is mature, with Japanese companies
So how big can China get? It is estimated that the country could
having established overseas plantations and integrated supply
easily account for a third of all global pulp, paper, and tissue
chains. Japanese chip imports have been rising incrementally
production in just 10 years’ time.
since 2012. Chinese pulp production continues to increase and Chinese companies are trying to secure an increasing proportion of their fibre needs on long-term contracts and have moved away from purchasing significant quantities on a spot basis.
Availability of wood chips is getting tighter due to supply-side issues. Australian exports will decline by as much as 30% by 2024 due to lack of new planting, with land being returned to agriculture. Vietnam’s chip exports grew to 10 m BDMT in 2018, but are not likely to increase much further, as the government is encouraging domestic businesses to add value to wood products. The new pulp capacity that will be added in Chile and Uruguay will reduce the availability of chips after 2021. The new 2,8 million ton Oki pulp mill in Indonesia has also run into fibre-supply problems as a result of a significant portion of their plantations in Indonesia having been planted on peat lands, making them vulnerable to flooding, fire, subsidence and disease. The Indonesian government has placed a moratorium on further expansion on peat soils, meaning burnt areas may not be re-planted. They have therefore started importing woodchips, which is likely to increase.
The tightening woodchip market is driving prices higher and certain Asian mills are increasingly vulnerable during periods of
Mpumalanga Landbou se jaarlikse Kongres het op 6 Junie 2019 te Ingwenyama Lodge buite Witrivier plaasgevind.
Deur Elmien van Schalkwyk
ie tema van die Kongres was Grond En Water, Wat
Nou? Die sprekers vanjaar was professore Anthonie
Laeveld – Barend Janse van Rensburg
van Nieuwkerk, Johan Kirsten en Anthony Turton. Vier
Onderberg – Wilscott Radley
sprekers, Dan Kriek, Annelize Crosby, Janse Rabie en
Hoëveld Noord – Gert Smith
adv. Johan Boshoff, het aan ons paneelbesprekings deelgeneem.
Hoëveld Suid – Francois Martins
Bedrywe – Leon Hiestermann
Korporatief – At van Schalkwyk
Die boodskap was baie duidelik: daar is nog geen gewaarborgde politieke stabiliteit binne ’n verdelende regerende party nie. Daar is nog steeds plunderaars wat die ekonomie en stabiele regering
Al die ampsdraers is eenparig verkies. Dank word uitgespreek
saboteer. Die litigasieproses van geïmpliseerdes voor die Zondo-
teenoor die uittredende president, Oubaas Malan van Volksrust,
kommissie sal nog jare duur. Met ’n oneffektiewe regering sal die
vir twee jaar diens aan Mpumalanga Landbou se lede. Meyer de
taak vir volhoubare landbou-ontwikkeling ’n spanpoging tussen
Jager, uittredende verteenwoordiger van Hoëveld Noord, word
verskeie rolspelers binne die waardeketting van die landbousektor
verg. Hierdie landbou-ontwikkeling is uiters noodsaaklik ter wille van stabiele plattelandse gemeenskappe.
Tydens die dinee is die Provinsiale Jongboer-wenner aangewys. Die twee finaliste was Hendy-Hein Mathews van Davel BV en Rian
Water kan nie meer word nie. Die water wat ons het, is ’n gegewe.
Maree van Sulphur Springs BV. Die wenner is Rian Maree.
Ons moet dit slimmer benut, en die manier waarop ons water
beoordeel, gaan bepalend wees vir voldoende beskikbaarheid
TWK Agri wens Tommy geluk en voorspoed toe, asook baie geluk
van water vir toekomstige landbouproduksie. Ons moet verstaan
aan Rian met die uitstekende prestasie. ■
dat water nie voorraad is nie, maar iets wat binne tyd en ruimte bestaan en oor en oor benut moet word.
Tydens die Kongres is Tommy Ferreira (wat ook op TWK se direksie dien) van Piet Retief as president verkies. Die ander ampsdraers wat verkies is, is:
Rian Maree, Jongboer van die jaar wenner saam met Stoffel Coertze van Santam.
Links: Coenie Dafel, Visepresident Hoëveld, Tommy Ferreira en Moorrees du Toit, Visepresident Laeveld & Onderberg
Visepresident Laeveld – Moorrees du Toit
Visepresident Hoëveld – Coenie Dafel Rian Maree en sy wederhelf saam Stoffel Coertze van Santam en Cindy Muller van Toyota SA.
SASOL KAN 28
How will the COFI Bill affect me as the customer?
By Annica Venter
he Conduct of Financial Institutions (COFI) Bill 2018
within the law.
(hereinafter referred to as the Bill) was submitted for
The principles are designed to be:
public comment ending 1 April 2019. It is the next
Principle-based: This approach seeks to set a standard in
phase in the legislative reform of the South African
relation to the intention of the regulation, instead of a set
financial sector. Poor market conduct and outdated legislation
of rules to be complied with. This will enable the regulator to
were some of the factors considered in drafting the new legislation
enforce and monitor the outcomes achieved, and will ensure
and created a need for stronger market conduct regulation.
that their actions are geared towards attaining the principles and not only towards technical compliance with the law.
The legislation aims to strengthen the regulation of how the financial service sector treats its customers, and its implementation is aimed
at improving outcomes for- and fair treatment of customers.
Outcomes-focused: The Bill provides for monitoring the extent to which outcomes are being achieved, supports the delivery of the required policy outcomes, and provides interventions for
Background to the Bill:
poor outcomes. This allows financial institutions to be tested on
The Bill follows on the Financial Sector Regulation Act (FSRA)
their delivery of the outcomes, as well as the financial sector’s
No. 9 of 2017, which gave effect to the Twin Peaks model and
effectiveness in support of the economy and the customer.
established two new authorities, the Prudential Authority (PA) and the Financial Sector Conduct Authority (FSCA). Both regulators
became operational on 1 April 2018.
Activity-based: and an
The PA regulates financial health and operates within the
administration of the South African Reserve Bank, while the FSCA
Shifting Bill by
away rather the the
from takes sector,
regulates market conduct risk, which includes investment funds and managers. The latter body replaced the former Financial
Services Board (FSB).
Risk-based and proportionate: This framework will enable the regulator to monitor the financial sector, identify the areas that pose a greater market conduct risk, and use
The FSRA defines the roles of the regulators, while the Bill outlines
its regulatory capacity proportionately to address these
the conduct and expectations of the financial institutions. The
risks. This will affect the regulator’s guiding approach, the
Bill aims to streamline the legal framework and to give legislative
enforcement of the action and the standards it sets.
effect to the market conduct policy approach. This also includes the implementation of the Treating Customers Fairly (TCF)
The risk-based approach will allow for a fairer environment to
principles that currently enjoy little legal support.
develop and grow and foster transformation.
The Bill makes it
easier for new entrants to enter the market through the different Strong market conduct policy:
licences to be applied for the different companies.
The COFI Bill is outcomes-based, supporting and facilitating better competition and participation in the financial sector, which also
What will this mean for me as the customer?
includes emerging black-owned financial institutions.
Customers can be confident that they will be treated fairly,
It is based on a set of key principles that will not follow the tick-box
will be well-informed, and receive better outcomes not only
approach to compliance, but rather focus on the achievements
for them, but for the economy as well. Customers will benefit
from a strengthened market conduct framework through the consolidation and solidification of the existing laws of market conduct. This will improve transparency and suitability and the costs of financial products and services.
In conclusion, the Bill strengthens the protection of customers by establishing a single, comprehensive market conduct law in the financial sector, resulting in the more consistent application of the consumer protection principles across the entire section.
Conduct of Financial Institutions Bill 2018
Protect financial customers;
Promote the fair treatment of financial customers by the financial institutions;
Support efficient and fair financial markets;
Aims to establish a comprehensive, consolidated and consistent regulatory framework for the conduct of financial institutions that will:
Promote the development and investment in innovative technologies,
processes and practices;
Promote financial inclusion;
Promote transformation of the financial
Gee die mees ekonomiese vleisbeesafronding met die laagste koste per kg massatoename.
Stimuleer voeromset en groei as gevolg van die groeibevorderaar.
Verminder voedingsteurnisse en koksidiose.
Verseker maksimum wins.
Met spesifiek-geformuleerde proteïenkonsentraat, Beesvet 33+, is dit nie net jou beeste wat gaan spog met bultende spiere en massatoename nie ... ook jou beursie gaan bult met die ekstra wins.
JOU BEESTE EN JOU WINS SAAM
BEESVET 33+ GROEI
Vir meer inligting oor Molatek se spesifieke voere en dienste, kontak: RCL FOODS: www.rclfoods.com MOLATEK: +27(0)13 791-1036 | www.molatek.co.za | firstname.lastname@example.org Beesvet 33+ (V17357) (Wet 36 van 1947)
Samewerking lei tot prestasie
uppe marketing A20671/TWK
THE OBJECTIVES OF THE BILL
Mielieboere in Suid-Afrika kan deesdae tussen 'n hele paar oesversekeringsprodukte van ’n verskeidenheid versekeraars kies.
olgens Schalk Schultz, Bestuurder:
versekeringseis te verklein nie.
Besigheidsontwikkeling by Santam Landbou, is dit
Jy wil tog sekerlik dekking geniet teen die verskil tussen jou
belangrik om seker te maak hoe jou versekerde
eie langtermyn- gemiddelde opbrengs en die opbrengs
verlies op die einde van die dag bepaal gaan
wat jy tydens oestyd realiseer? Jy wil tog nie hê dat jou
word alvorens jy ’n keuse maak.
verlies bereken word volgens die gemiddelde opbrengs van al die boere in jou spesifieke omgewing net omdat
Schultz meen die volgende kriteria kan jou help om ’n ingeligte
jou versekeraar die koste wil vermy om jou eie individuele
besluit te neem:
verlies te bereken nie?
As mielieprodusent verdien jy jou inkomste uit die
“Uit ervaring weet jy dat daar jaarliks groot verskille in
produksie en verkope van mielies. Dit is dus sinvol om ’n
opbrengs tussen die onderskeie mielielande op jou plaas
versekeringsproduk te kies wat jou opbrengs beskerm
is. Hoeveel groter sal die verskille dus nie wees tussen jou
pleks van slegs enkele van die talle faktore wat saam tot
opbrengs en dié van die ander boere in jou omgewing
die uiteindelike oes bydra. “Dit baat jou niks om dekking
nie? Dit is gevolglik nie realisties om te verwag dat almal
teen slegs sekere oorsake soos ‘onvoldoende reënval’ of
in dieselfde omgewing in enige gegewe seisoen presies
‘onvoldoende vegetatiewe groei’ te geniet nie. Al is een of
dieselfde opbrengs per hektaar sal realiseer nie,” sê Schultz.
albei van dié faktore gunstig, waarborg dit jou nog nie ’n goeie opbrengs nie,” verduidelik Schultz.
As produsent gebruik jy die beste produksiemiddele wat in die wêreld beskikbaar is en jy wil tog ook hê dat jou
Wanneer die mielieprys in jou guns beweeg tydens
versekeringsproduk aan dieselfde standaard voldoen.
produksiejare waarin jy ’n opbrengsverlies het, wil jy nie jou pryswins met die versekeraar deel nie. “Jy wil tog sekerlik
Laastens wil jy jou oes verseker by ’n Suid-Afrikaanse
die volle prysvoordeel vir jouself neem, nie waar nie? Jy
versekeraar met ’n bewese rekord wat oor baie jare
verkies om vir jou opbrengstekort vergoed te word teen die
mielieprys wat jy ten tyde van versekering gekies het en waarop jy jou premie betaal het,” sê Schultz. Mielieboere
Santam Landbou se Multirisiko-versekeringsproduk vir
wil nie hê hulle prysvoordeel moet verreken word teen
somergraanboere voldoen aan al jou vereistes. Kontak ons of jou
die opbrengstekort wat hulle gely het om sodoende die
makelaar sommer vandag nog.
Trust the agriculture insurer that’s acres ahead.
As the leader in short-term insurance for over 100 years, Santam understands the business of farming. That’s why we cover everything from your crops and livestock to your personal and farming assets under one umbrella. Santam. Insurance good and proper.
For more information, call your broker or visit www.santam.co.za/products/agriculture. Santam is an authorised financial services provider (licence number 3416).
Dierevoeding wat by veranderende weerstoestande aanpas.
Weerbestande fosfaat-spoormineraalaanvullings en -konsentrate vir jou beeste, skape en bokke.
PhosSure 6/12 & PhosPro 17: • Noodsaaklik vir groei, optimale aktiwiteit van die mikrobes in die grootpens en reproduksie op weiding met ’n fosfor-tekort. • Die melasse-neweproduk verbeter smaaklikheid om voldoende P-inname te verseker. • Bevat verhoogde vlakke van noodsaaklike spoorminerale in die korrekte verhouding tot fosfor. • ’n Unieke kenmerk is die harde kors wat om die produk vorm sodra dit aan vogtigheid blootgestel word. Dit beskerm die produk teen reënskade.
uppe marketing A19504/R
Vir daardie ekstra hupstootjie wanneer jou diere dit die nodigste het. www.yara.co.za/animal-nutrition email@example.com Tel: +27 (0)31 910-5100
PhosSure 6 – Reg. Nr. V11350 (Wet 36 van 1947) PhosSure 12 – Reg. Nr. V12858 (Wet 36 van 1947) PhosPro 17 – Reg. Nr. V24441 (Wet 36 van 1947) Yara Animal Nutrition Suid-Afrika (Edms) Bpk. Reg. Nr. 2001/025850/07
ou might be familiar with this breed by one of
The Australian Cattle Dog is extremely active,
his other common names: Australian Heeler,
both physically and mentally. He needs a regular
Blue Heeler, Queensland Heeler, or Halls Heeler.
job or activity to keep him busy, tired, and out of
Officially, however, he's the Australian Cattle Dog;
the "heeler" moniker comes from the fact that the dogs were
Nipping and biting is the Australian Cattle Dog's
bred to herd cattle by nipping at their heels.
natural instinct. Proper training, socialisation, and The Australian Cattle Dog is a high-energy working dog. He is
supervision help minimize this potentially danger-
not a couch potato â€” we repeat: he is not a couch potato. He
wants to be active and busy most of the time. His energy must be directed, or he'll become bored and will resort to entertaining
The Australian Cattle Dog is a "shadow" dog;
himself, usually by doing something you consider naughty, like
intensely devoted to his owner, he does not want
digging in the trash or digging up your flower garden.
to be separated from him or her.
The Australian Cattle Dog is also highly devoted to his owner and
The best way to help the Australian Cattle Dog
family. He usually attaches himself closely to one person and
get along with children and other pets is to raise
bonds less closely with others. He's often called a "Velcro" dog
him with them from a young age.
because he attaches so firmly; he likes to be in close physical
To get a healthy dog, never buy a puppy from an
contact with his chosen person all the time.
irresponsible breeder, puppy mill, or pet store. Because the Australian Cattle Dog was bred to herd, and herd
Look for a reputable breeder who tests her breed-
with force, by biting, he is a mouthy dog. His instinct is to nip
ing dogs to make sure they're free of genetic
cattle, children, pets, cars, anything that moves. He has a strong
diseases that they might pass onto the puppies,
tendency to bite, even in play. This tendency must be properly
and that they have sound
directed with socialization and training when he's a puppy, or it
can turn into dangerous behavior.
Another part of the breed's instinct is his strong prey drive. He's
when he grows up.
fascinated by squirrels, cats, and other small animals. If the Australian Cattle Dog is raised from puppyhood with other pets,
Like every dog, the Australian Cattle Dog needs early
including cats, he can be trusted to live peacefully with them in
socialisation — exposure to many different people, sights, sounds,
his home. He's likely to consider those outside his household to be
and experiences — when they're young. Socialization helps
fair game, though.
ensure that your Australian Cattle Dog puppy grows up to be a well-rounded dog. Enrolling him in a puppy kindergarten class
The Australian Cattle Dog is generally friendly, but he is
is a great start. Inviting visitors over regularly, and taking him to
protective of his family and home turf, and he tends to be wary
busy parks, stores that allow dogs, and on leisurely strolls to meet
neighbors will also help him polish his social skills.
There is a toughness about the Australian Cattle Dog — he had
to be tough to handle the high temperatures, rough terrain,
Australian Cattle Dogs are generally healthy, but like all breeds,
and long distances involved in his job on ranches — that
they're prone to certain health conditions. Not all Australian
makes him both highly tolerant of pain and intensely focused.
Cattle Dogs will get any or all of these diseases, but it's important
He'll keep working even when he's injured. Owners must pay
to be aware of them if you're considering this breed.
careful attention to this breed to make sure he stops working or
If you're buying a puppy, find a good breeder who will show
competing if he gets hurt.
you health clearances for both your puppy's parents. Health clearances prove that a dog has been tested for and cleared of
a particular condition.
Males stand 45 to 50 cm tall, and females stand 43 to 48 cm tall. Progressive Retinal Atrophy (PRA): This is a family of eye diseases
Weight ranges from 13 to 22 kg.
that involves the gradual deterioration of the retina. Early in
the disease, affected dogs become night-blind; they lose sight
The Australian Cattle Dog is an extremely active dog who needs
during the day as the disease progresses. Many affected dogs
constant mental and physical activity. If he's bored or lonely,
adapt well to their
he can be destructive. He's apt to chew and tear up items he
as long as their
shouldn't. If you choose to live with an Australian Cattle Dog,
remain the same.
be prepared to keep him busy — and tired. If he's tired, he's less Hip Dysplasia: This
likely to get himself into trouble.
is an inherited The Australian Cattle Dog is protective of what he considers his
condition in which
territory, and he'll defend it. He's also reserved (not necessarily
unfriendly) with strangers. But he's devoted to his owner and
doesn't fit snugly into
family. Once he bonds, he likes to go wherever his owner goes;
the hip joint. Some
in fact, punishment to the Australian Cattle Dog is physical
dogs show pain and
separation from those he loves.
lameness on one or both rear legs, but
He's smart, but at times he can be willful and stubborn.
Consistent, positive training helps control his independent streak.
Temperament is affected by a number of factors, including heredity, training, and socialization. Puppies with nice temperaments are curious and playful, willing to approach people and be held by them. Choose the middle-of-the-road puppy, not the one who's beating up his littermates or the one who's hiding in the corner. Always meet at least one of the parents — usually the mother is the one who's available — to ensure that they have nice temperaments that you're comfortable with. Meeting siblings or other relatives of the parents is also helpful for evaluating what a puppy will be like
limited or lost vision, surroundings
outward signs of discomfort. (X-ray screening is the most certain way to diagnose the problem.) Either way, arthritis can develop
The Australian Cattle Dog's coloring is blue or red speckle. Blue
as the dog ages. Dogs with hip dysplasia should not be bred
or blue-mottled includes black, blue, or tan markings on the
— so if you're buying a puppy, ask the breeder for proof that
head; partially tan on the forelegs, chest, and throat; and tan
the parents have been tested for hip dysplasia and are free of
on the jaw and hind legs. Sometimes the undercoat is tan with a
blue outer coat. Red speckle means red all over, including the undercoat, and sometimes including dark red markings on the
Deafness: This is an inherited condition in the Australian Cattle
Dog, but it can be tested for while the puppies are very young. Deaf dogs should not be bred. Research indicates that deafness
The Australian Cattle Dog doesn't require much primping, but
is color-linked; genes that cause pups to be born white, or with
some grooming is necessary to keep him clean and healthy.
white hairs in the coat that cause a roaning pattern, are linked
Brush him periodically, say four times a month, to distribute oils
and remove dirt. When he sheds, though, brush frequently to remove the dead hair. Bathe him as needed — basically when
he's really dirty or smells bad.
The hardworking Australian Cattle dog is best suited to an environment where he gets plenty of physical and mental
Brush your Australian Cattle Dog's teeth at least two or three
stimulation. He's not well suited to living in an apartment or being
times a week to remove tartar buildup and the bacteria that lurk
left alone for long periods of time. He's destructive when bored,
inside it. Daily brushing is even better if you want to prevent gum
and he tends to chew — a lot. He needs a home with a securely
disease and bad breath.
fenced yard, or a country farm or ranch. Trim nails once a month if your dog doesn't wear them down If you are considering an Australian Cattle Dog, make sure you
naturally. If you can hear them clicking on the floor, they're too
can provide him a proper outlet for his natural energy and bright
long. Short, neatly trimmed nails keep the feet in good condition.
mind. Because he was bred to herd and chase, that's exactly
Dog toenails have blood vessels in them, and if you cut too far
what he will do: herd and chase just about anything, including
you can cause bleeding — and your dog may not cooperate
cars. If you're not a sheep or cattle farmer, consider canine
the next time he sees the nail clippers come out. So, if you're
sports. This dog loves the activity and challenges associated with
not experienced trimming dog nails, ask a vet or groomer for
The Australian Cattle Dog needs early socialisation and training.
His ears should be checked weekly for redness or a bad odor,
Like any dog, he can become timid if he's not properly socialised
which can indicate an infection. When you check your dog's
when young. Early socialisation helps ensure that your Australian
ears, wipe them out with a cotton ball dampened with gentle,
Cattle Dog grows up to be a well-rounded dog. His propensity to
pH-balanced ear cleaner to help prevent infections. Don't insert
mouth, chew, nip, and bite must be handled carefully. He must
anything into the ear canal; just clean the outer ear.
be taught not to put his mouth on people, only on appropriate
Begin accustoming your Australian Cattle Dog to being brushed
chew items, such as sturdy toys.
and examined when he's a puppy. Handle his paws frequently — dogs are touchy about their feet — and look inside his mouth.
Coat Color And Grooming:
Make grooming a positive experience filled with praise and
The Australian Cattle Dog's weather-resistant outer coat is short
rewards, and you'll lay the groundwork for easy veterinary exams
and straight; he has a dense undercoat. The typical Australian
and other handling when he's an adult.
Cattle Dog doesn't shed year-round, but instead he "blows" his coat once or twice a year (think of a snowstorm). In just a few
As you groom, check for sores, rashes, or signs of infection such
weeks, the undercoat sheds in clumps.
as redness, tenderness, or inflammation on the skin, in the nose,
mouth, and eyes, and on the feet. Eyes should be clear, with no redness or discharge. Your careful weekly exam will help you spot potential health problems early.
Children And Other Pets The Australian Cattle Dog is good family dog, but he does best with children if he's raised with them and accepts them early on as members of his household. In such cases, he's very playful and protective. The breed's tendency to be mouthy — even to nip and bite — can be a problem with kids, however. He may want to herd them with sharp nips, or bite when youngsters play too roughly.
An adult Australian Cattle Dog who has had little exposure to children will not know how to treat them and may be too rough. Some dogs are suspicious of children; because they don't act like adults, dogs sometimes perceive them as threatening. Most problems can be solved by carefully socializing the Australian Cattle Dog puppy to children, and by teaching him bite inhibition.
As with every breed, you should always teach children how to approach and touch dogs, and always supervise any interactions between dogs and young children to prevent any biting or ear or tail pulling on the part of either party. Teach your child never to approach any dog while he's eating or sleeping or to try to take the dog's food away. No dog, no matter how friendly, should ever be left unsupervised with a child.
The Australian Cattle Dog gets along with other dogs in his household, especially if he's been raised with them from puppyhood. However, because he is so devoted to one person in a family, there can be jealousy or squabbles between the Australian Cattle Dog and other dogs.
Now, about cats and other small animals that the Australian Cattle Dog usually thinks of as prey: if he is raised with a cat or other animal from the time he's a puppy, he'll probably consider it a member of his houseshold and leave it alone. If not, he's likely to chase, catch, and even kill.
References: https://dogtime.com/dog-breeds/australian-cattle-dog#/slide/1 ■
Say hello to my
LITTLE FRIEND... Uiteindelik die regte wapen om ornamentele plante in jou tuin te beskerm teen menige peste en plae. PLAE, WEES GEWAARSKU!
VIR DIE BEHEER VAN
SAGTE BRUIN DOPLUISE
Registrasiehouer: Agro-Serve (Edms) Bpk. Reg. Nr. 1973/000868/07. Versprei Deur: Efekto Care (Edms) Bpk. Reg. Nr. 2009/006357/07, Posbus 652147, Benmore 2010. Garden Gun™ Reg. Nr. L6346 N-AR0518 Aktiewe bestandele: Esbiothrin (Piretroiid) 1,0 g/l, Deltametrien (Piretroiid) 0,2 g/l. VERSIGTIG. Produk is geregistreer deur Wet 36 van 1947.
Kliëntediens tel.: 086 133 3586 firstname.lastname@example.org www.efekto.co.za
PRESIES WAT DIERE NODIG HET. By EPOL verstaan ons dat ’n boer se lewende hawe sy bestaan is ... sy toekoms. As een van die leiers in die dierevoerbedryf, verskaf ons topgehalte, wetenskaplikgeformuleerde en gebalanseerde voer vir ’n reeks spesies, insluitende braaikuikens, lêhoenders, suiwel, varke, wild, perde, skape en volstruise. Daarbenewens, verskaf ons navorsings- en ontwikkelingspan, verkoopspanne en gekwalifiseerde dierevoedingkundiges uitstekende diens, tegniese advies en pasgemaakte oplossings om te verseker dat jy en jou diere net die beste uit ons reeks produkte kry.
uppe marketing A20675
Innoverende voer- en voedingstegnologie. Wetenskaplik-geformuleerde presisiediëte. Optimale koste gebaseer op die produksiedoelwit. Diereprestasie en -gesondheid.
Kontak jou naaste tegniese adviseur om jou te help om die beste oplossing vir jou behoeftes te bepaal. Vir meer inligting oor ons spesifieke voere en dienste: EPOL: +27 (0) 31 242-8600 | email@example.com | www.epol.co.za RCL FOODS: www.rclfoods.com
KNOWING MORE ABOUT THE DAMS AND RESERVOIRS OF SOUTH AFRICA Level this week: 98.3% │ Level last week: 98.5% │ Level last year: 100.3%
(Information retreived on 16 August 2019) agendrift Dam, found 6Km outside Estcourt, takes
transport wagons used to travel through the area alongside the Bushmans River, as they
returned from Port Natal to the gold fields of the Witwatersrand.
The Wagendrift Dam is a multi-arch type dam located on the Bushman's River, upstream of Estcourt, in the KwaZulu-Natal province of South Africa. It was completed in 1963 and serves mainly for irrigation purposes, domestic water supply and industrial demands. The hazard potential of the dam has been ranked high (3).
Irrigation and domestic
Department of Water Affairs
Dam and spillways
The dam is set within Wagendrift reserve, a 980 hectare protected area which incorporates Moor Park Reserve. It is a quiet, picturesque resort within easy reach of other Drakensberg holiday areas.
Type of dam:
Height: 41.15 m Constructed during South Africa's golden era of dam-building in
Length: 281 m
the 1960s, Wagendrift Dam, in KwaZulu-Natal, is a showcase for
local engineering ingenuity.
That Dam App
Wagendrift Dam Reservoir
55 900 000 m3
Timber Decking Substructure Regulations and Preservative Treatment This guidance note addresses the importance of using properly preservative-treated timber in the construction of substructures for timber decks and compliance of the timber with the requirements as stipulated in the Building Regulations and relevant SANS Standards.
n important factor often overlooked when a deck
fungal decay in accordance with the requirements of SANS 10005
is installed is the substructure on which the deck
and shall bear the product certification mark of a body certified
is being built. Most of the attention and thought
by the South African Accreditation System’.
generally goes into the upper decking material, and
In Clause 12 SANS 10005 addresses the use of preservative-treated
not into the load-bearing structure that is going to carry the load,
timber in specific areas of South Africa and the qualification of
and its exposure to the challenge of the elements. As a result,
the two main species, i.e. softwoods and hardwoods, as being
there have been numerous failures of decks due to unscrupulous
adequate for their purpose as structural load-bearing components
contractors using materials not capable of withstanding the
used in a permanent building. Clause 12.2 deals specifically with
the use of preservative-treated softwoods (pine), mainly focusing on use in the coastal municipal areas, but the last paragraph
In most cases the material, e.g. the upright poles/posts planted
clearly states; ‘Sawn timber used in the erection of an exposed
into the ground, is of acceptable preservative-treated quality (H4
loadbearing structure, i.e. the substructure of decks, shall be
to H5), but the horizontal beams and bearers are often constructed
treated in accordance with 12.4 when used within the borders of
structural pine, while the upper decking itself consists of correctly preservative-treated pine (H3) or hardwoods of varying natural
This reference specifically addresses the protection of all load-
durability. Any moisture, whether from precipitation or irrigation
bearing decking substructures constructed of softwoods against
mechanisms, will accumulate between the intersecting upper
fungal decay and subterranean termite attack – not just in the
decking boards and load-bearing beams, causing a moisture
coastal municipal areas, but in all inland areas. This means that
trap and forming the perfect environment for fungal decay. If the
a decking substructure constructed from untreated or incorrectly
load-bearing beams and bearers used in the substructure are not
treated timber does not comply with the Building Regulations.
made up of at least H3 treated structural pine, the rate at which
Your attention is also directed to various guidance notes, including
decay could set in and lead to failure of the deck structure may
Understanding the Hazard Classes and Natural Durability of Wood,
be rapid and could lead to injury for those walking on the deck.
available on the SAWPA website.
Decks are regarded as load-bearing structures on which people
For more information on preservative-treated timber, contact
walk and gather, and as such they must be designed and
SAWPA at 011 974 1061 or
constructed in accordance with the Building Regulations and
firstname.lastname@example.org, or visit our
relevant SANS Standards. The Building Regulations, specifically
website at www.sawpa.co.za.
Regulation A13 (1)(b), stipulate that ‘All timber used in the erection of a building shall be treated against termite and wood borer and
now available at TWK Computer Services Inquire in-store for pricing and available drone models. 11 De Wet Street, Piet Retief, 2380 T: (017) 824 1507 E: email@example.com
By Garth van Rensburg
You will remember from Part 1 of this article that the Zulu commander, Ntshingwayo, gave the call for the main body of his warriors to move into action from atop the Nyoni Heights at approximately 12:30, only 45 minutes after their hiding place in the Ngwebeni Valley had been discovered by Lieutenant Raw.
22 January, 1879 – Part 2 ust prior to this, the Rocket Battery, which was part of Durnford’s No 2 Column under Major Francis Broadfoot Russel, had arrived at the camp. This weapon was an early
form of mortar that could send a 9 pound rocket off a crudely set up trough. Their performance during the 9th Frontier War had been hopelessly erratic and even dangerous to the crew. Durnford’s Rocket Battery had lagged behind the mounted troops, and so on arrival at the Isandlwana camp, Major Russel assumed that he should follow his commander onto the field. He chose to ascend the Nyoni Heights via the notch alongside Ithusi. On the way up he came across the retreating carbineer, William Barker. Barker warned him against ascending Nyoni, as there were thousands of warriors of the Mbonambi regiment heading straight at them. For all the criticism directed at British officers, one cannot criticise their bravery, which often entered the realms of stupidity. In this tradition, Russel signalled his men forward, and within minutes the Mbonambi appeared on the notch only a few hundred yards ahead of the
beleaguered Rocket Battery. Evidence shows that the battery was
2nd 24th ordered his 170 men to move down to the donga to go
only able to fire one rocket that sailed harmlessly over the heads
to his assistance. At that very moment – and this wasn’t Durnford’s
of the advancing warriors and exploded against the side of the
fault – Durnford ordered his men to mount and retire on the camp.
notch. Caught out in the open, the men were literally trampled
It was a disaster. As Pope’s group moved down towards the donga,
and slashed by over two thousand warriors. By some miracle,
the Ngobamakhosi and the Uve rose up and charged, decimating
three of the men survived and managed to crawl off the field to
Pope and his men out in the open. Spotting the men of one Britain’s most famous regiments being annihilated by Zulu warriors, Captain Lonsdale’s NNC company to the left of Pope turned and bolted from the field. With Durnford retired, and Pope and Lonsdale’s NNC out of the picture, there now lay a huge hole for the left horn to flood through and attack the camp.
The second incident occurred among the Zulu regiments lying in front of the British line. It appears that the warriors had been pinned down for some time in a depression just forward of the line. Their commanders could not motivate them to move, and in some cases warriors were even retreating off the field. The catalyst of change turned out to be a Zulu induna who moved down from the commanders’ rocks and simply walked through the men lying in the depression, lecturing them about not being cowards and reminding them that they were here to fight. As he reached the front of the Zulus, he turned to face them and took a Martini round to the head. This simple act of sacrifice and bravery galvanised these warriors, and rising in union they charged at the British line only 100 yards to their front. On safety and fight another day.
Survivors tell us that the Zulu regiments descended into the valley in disciplined lines towards the British line, which was just 1 000 strong. As they came into the line’s range, they were stopped by both rifle and artillery fire. Let’s take stock of the situation. On the eastern edge of the line, down in Durnford’s Donga, with the help of one of the seven pounders, the left horn is pinned down and taking a beating. To the north on the main line the situation is similar.
This battle could very easily have had a different result, but for two incidents that changed matters completely. Men in the camp noticed that fire down in the donga had slackened and that Durnford was running out of ammunition. But Durnford had an even more pressing problem. The Uve regiment at his front right were beginning to outflank him, and if this happened, the regiment would have got in behind the British line and into the camp itself. Noticing Durnford’s problem, Lieutenant Pope of the
the knuckle of the L-shaped line, Captain Barry’s NNC reacted just as Lonsdale’s men had and bolted off the field, leaving a gaping hole through which the emboldened warriors now flooded.
In a matter of minutes the battle at Isandlwana had turned irreversibly. With the left horn now in the camp, chasing Colonel Durnford and his men, Durnford called a number of the colonial mounted men to his side and made a last stand under the koppie just opposite Isandlwana. His body, along with those of 29 of these men, was found months later when the British returned to bury the dead. On the breaching of the front line, the men of the 24th now began a disciplined retreat in defensive squares back towards the camp. The hundreds of NNC fleeing off the line ran straight through the camp and out, taking the hundreds of civilian contractors with them over the neck onto the track behind Isandlwana to Rorke’s Drift. And imagine what was waiting for them? The forgotten right horn who, with exact timing, were moving up the hill into the back of the camp to link up with the left horn. These fugitives were forced to the left of the track and down the
regulations that in the case of an infantry attack on a camp, the
Manzimyama Valley towards the Buffalo River seven miles away
tents should be struck. Again, the Zulu evidence shows that when
on what today is known as the Fugitive’s Trail. That is a story for
the men of the 24th reached the tents, the battle was essentially
over. The squares were split up by the jumble of tent ropes, camp equipment and canvas and the battle descended into a number
Zulu survivors recount that the retiring British troops were
of individual last stands that only the mass of Zulu warriors could
impregnable while they still had ammunition and were out in the
win. Captain Younghusband on the extreme left of the line had,
open. In yet another blunder, Pulleine had ignored standard military
on the breaching of the line, fought a rearguard action up the shoulder of the mountain. His was to be the last stand of the 24th on the field. Eventually, however, his men too ran out of ammunition. A Zulu induna involved in the last attack tells of an officer pulling out his sword and charging down at them.
Younghusbands’ men charged down at the Zulus the sky went dark. In a bizarre circumstance at the very end of the battle, a solar eclipse occurred. It is important to note that although timelines are difficult, the eclipse took place at around 13:15 to 13:30, which means that from the time that Lieutenant Raw discovered the Zulus in the Ngwebeni Valley to Younghusband’s last stand, the time elapsed was just an hour and three quarters.
And what of Lieutenant Colonel Pulleine? There is very little evidence of Pulleine’s actions throughout the battle. Legend has it that he called his ADC, Lieutenant Melvill, to his tent and ordered him to take the regimental colours off the field and was then killed in his tent. No one can enlighten us, as not one member
of the 24th Regiment of Foot survived the battle.
Isandlwana was, and remains, the greatest colonial defeat in British military history. The British lost 727 imperial regulars, including 52 officers. On the colonial side, 133 were killed, and it is believed over 340 NNC and NNH soldiers died. Of those who managed to get off the battlefield, approximately 300 members of the NNC and NNH and only 50 imperial and colonial soldiers made it back into the colony – a number that included only five imperial officers. They were beaten by what their own officers termed ‘savages with sticks’. The Zulus took not one prisoner, and most of those killed were slashed and disembowelled in the Zulu tradition in order to allow the spirit of a vanquished foe to be released.
It is not difficult to unravel what went wrong. The bottom line was that the British underestimated the Zulu army as a fighting force and made two elementary blunders. The first was that no attempt was made to laager or barricade the camp. Considering that the leadership had over 200 transport wagons at their disposal and that the battlefield was particularly rocky, it makes no sense at all that the camp wasn’t fortified. Perhaps Chelmsford viewed the camp as a temporary base, and we know that he and his command firmly believed that the Zulu army would have to be drawn into a fight. Secondly, at the first sign of the Zulu attack, Pulleine and Durnford should have brought all their forces back onto the side of the mountain (front and rear), moved their ammunition onto the shoulder and struck the tents. This, I believe would have brought about an entirely different result. However, one cannot detract from the brilliance of the Zulu commander, Ntshingwayo, who, with no modern communication or modern weapons, managed to sneak up to within three miles of the camp and then execute a textbook version of the head, shoulders and horns of the buffalo strategy. As a commander at Isandlwana, Ntshingwayo was simply way superior to his British counterparts. ■
My Smart LIFE
SUCCESSFULL INVESTING By Desiré du Plessis
Is the thought of investing your money overwhelming and intimidating? Does it seem that you need a degree to understand the many financial terms and different investment vehicles and options? Exactly you say – what the heck is an investment vehicle?
Do you want a good future, to take care of your family, a home, to feel secure, and a fabulous retirement? Then investing is a good way to preserve and accumulate wealth so that you have enough money to pursue your future options. You need a plan and the first step is to learn as much as you can about investing. The better equipped you are, the easier it will be to make effective decisions.
LET’S START AT THE BEGINNING...
What’s the difference between saving, investing, and trading? You may have heard the terms saving, investing, and trading being used many times but have you ever wondered what on earth is the difference between these financial activities? Generally, we tend to use saving and investing interchangeably but there is a difference between these two activities. Saving simply means setting money aside for future use. Typically, when you save you deposit money in a bank and the bank promises to pay you interest on your money (after a specified time). You save for shorter-term needs such as keeping an emergency fund or saving up to buy something. When you save, you’re able to access your money easily (finan-
Safeguard your money… One of the safest options is putting your money in a fixed deposit at the bank. This is an investment account and a type of savings account in which money is deposited for a specific period of time. A fixed interest rate is paid at the end of that period. This type of account provides you with a higher rate of interest than a regular savings account. The downside is that your money may be locked in for a time and you may not be able to get returns that are ahead of inflation - and your money won’t be worth much more than you put in when the fixed deposit matures.
cial professionals call this "high liquidity") and the risk of your money losing value is minimal. At the same time though it mostly offers low returns (often even lower than the rate of inflation) and your savings won’t earn you much in interest.
When you invest, it is over the long term (anything from two to 30 years) and the goal is growing your money, and growing your money faster than inflation. Specific financial ”vehicles” that allow your money to grow are put to use, such as buying assets such as stocks, bonds, mutual funds, or real estate with the expectation that your investment will make money for you. With investing, the risk of losing money is almost always higher than saving but the potential to grow your money and build wealth is typically also much higher. It also usually takes longer to access cash. Trading involves the buying or selling of assets to achieve a profit from the trades, for example, by trading shares on the JSE. The primary aim is to profit from the change in the price of an asset. You can make fantastic returns within a short space of time when you trade but it requires taking on high risk. You can become an overnight financial success when you trade, but it is also possible to lose all your money quickly. 40
You do not have to be a financial expert to invest but it is important to understand your
Know your Investment
options and to have as much knowledge as possible to make informed decisions. Each type of investment has its opportunities and downside risks. The investments you choose may change over time in response to your goals, risk tolerance, and investment goals. You must be prepared to review and adjust your strategy over time. Finding a balance that is most appropriate for your situation takes time and effort.
Here are some popular investments for you to consider: Annuities are insurance products that provide a source of income during retirement. Whereas life insurance pays a benefit if an insured person dies, an annuity
makes payments as long as an insured person lives. Annuities are often use as an investment option by:
Exchange-traded funds (ETFs) are perhaps the cheapest way to start investing. ETFs are similar to
Employees in organisations that do not provide a pension or provident fund;
Employees who earn a significant amount of non-pensionable income and wish to increase their savings towards retirement.
Annuities can also be used to house the proceeds of your pension or provident fund when terminating your employment and are tax-friendly investments.
mutual funds and are a basket of securities
However, unlike mutual funds, they are traded on a stock exchange. The advantage of ETFs is that they are highly affordable to invest in and have very low fees. This means that
Bonds are loans or IOUs. The difference is that you are the lender. You loan your
even if you are investing on a
money to a company, a municipality or the government, and they promise to pay
budget, you can still get a piece
you back in full, with regular interest payments. The interest is paid at frequent
of the action.
intervals such as every six months, quarterly or annually. These fixed interest rate The disadvantage of ETFs is that,
payments are called bond dividends.
because they are traded on the A municipality may sell bonds to raise money to build a bridge, while the govern-
stock exchange, they can be
ment may issue a bond to finance debts. Corporations issue bonds to raise money
more volatile than some invest-
to finance operations. Bonds are a safe and conservative investment. You can buy
ment vehicles such as mutual
into them at a relatively low cost, they provide a predictable stream of income
when stocks perform poorly and are great savings vehicles for when you don’t want to put your money at risk. The major drawback of investing in some types of bonds is that you’re locking your cash up – there are often strict rules governing the early withdrawal of your cash.
Mutual funds are professionally managed pools of stocks, bonds and/or other instruments that are divided into shares and sold to investors. The fund's professional money manager (or team of managers) researches, selects and monitors the performance of the fund's portfolio. As an investor, you share in the fund's income, expenses and any gains or losses the fund makes on its investments. The advantages of investing in mutual funds are that the funds are professionally managed and affordable for the average investor. You can diversify, the funds are flexible and you can exchange your share from one fund to another in the same family and it is easy to withdraw some or all of your money. But, if you invest in a fund, you give up all control of your portfolio to the mutual fund money managers who run it. Be sure to understand the tax you pay when you sell (capital gains).
When people think about investing, they often think in terms of stocks. Stocks are issued by a company to raise money for it. When you purchase stocks in a compa-
ny, you gain a percentage of ownership in that company. The amount of ownership is proportional to the number of stocks you own. This ownership allows you to benefit from the company as it performs well. If it
does, the stock price will increase and this allows you to make a profit. For exam-
nature and risk of any investment
ple, if the stocks of company X were at the value R25 a stock when you purchased
offered to you. Always read the
them, and they increase to R45 a stock five years from when you bought them, you
offering documents for details
make a profit of R20 per stock.
Property is regarded as the classical way to build wealth. It rarely depreciates and
is a good way to protect your money from inflation. Commonly an investor will buy a property that is leased out to tenants. But there are several other ways to invest in property. You can opt to “flip" homes buy rundown houses at cheap prices, renovate them and sell at a profit. You can buy developments, which is a property that is still in the process of being built. You can buy at a cheap price and sell for a profit once the development has become completed. Alternatively, you can purchase land and develop it into real estates such as apartment blocks and office spaces. Once your development is
UNDERSTAND WHAT IT MEANS
complete, you can sell them for a profit.
The products or methods investors
A strategy used to reduce the uncertain-
Interest income is the revenue earned by
(individuals or businesses) use to invest
ty of investing and managing the risk
an investor on their investment over a
and grow money. There are a wide
that comes with investing. By mixing or
period of time. This revenue is typically
variety of investment vehicles and each
spreading your investments around, you
type has its risks and rewards. For
can limit exposure to any one type of
example, investing in bonds is consid-
asset. For example, if you put all your
ered low risk, while investing in stocks or
money in stocks, you risk losing
futures can carry a greater degree of
everything if the stock market crashes.
The same applies to the real estate market, commodities markets, curren-
INVESTMENT PORTFOLIO This is a collection or “basket” of financial assets such as stocks, bonds, real estate, cash, and more, that are owned by an investor (private or business) and/or managed by financial professionals and money managers. A portfolio is a long-term approach to diversify your investments, deliver better returns, and minimise risk. As an investor, you should construct your investment portfolio in accordance with your risk tolerance and investing objectives. Investors can also have multiple portfolios for various purposes. It all depends on your objectives as an investor.
cies, and any other investment. However, all markets hardly crash at the same time, in the same manner.
ASSET An asset is anything of value or a resource of value that can be converted into cash. Individuals, companies, and governments own assets. Your personal assets include: •
equivalents, certificates of
The same applies to investments in the
deposit, checking, and
same asset class. For instance, two
savings accounts, money
stocks of different companies in different
market accounts, physical
sectors fluctuate differently. By diversifying, which is just putting your money in various investments across different
entire investment is very low. Thus the
permanently attached to it •
different kinds of investments yield higher returns on average and also pose a lower risk.
Personal property – boats, collectibles, household
rationale behind diversification is simple: investment portfolios composed of
Property or land and any structure that is
sectors, the probability of losing a significant amount of money or your
Cash and cash
furnishings, vehicles •
Investments – annuities, bonds, the cash value of life insurance policies, mutual funds, retirement funds
TWK RADIUS RISK
UNDERSTAND WHAT IT MEANS
Risk is the possibility of losing something
Saving or investing which should come first?
of value. Every type of investment brings
Both saving and investing have their place in financial planning and many people
with it a certain amount of risk and when
will do them simultaneously. When you are deciding whether it's time to save or
you invest, there is a probability or
invest, keep the following principles in mind:
likelihood that you could lose all of your money, and in some cases, even more than you invested.
The golden rule: save first, then invest. Protect yourself first by setting up an emergency fund with six to nine monthsâ€™ worth of living expenses to
The rule of thumb is the higher the risk, the better the return. It is important that
cover yourself in case of unforeseen events; 2.
Once your emergency fund is set up, get rid of high-interest debt. If you
you always understand the risks involved
have debt and the interest you're paying is higher than what you can
in investing, and whether you are
earn in a savings account or may potentially earn from investments, pay
comfortable with taking the risk. As an investor, you have to put in place efforts
off that debt first; 3.
Look at the big picture. And do your homework before you invest. Make
to minimise these risks. Risks, if left
sure you are on top of your overall financial situation, examine your debt
uncontrolled, can easily engulf all of your
obligations, tax situation, your ability to fund retirement accounts, your
insurance coverage, etc; 4.
Set your goals and be clear about your priorities. Are your most important financial goals short-term, such as buying a car, or long-term, like retirement? Consider when you will use the money - saving often makes the most sense for short-term needs;
Know how much risk you are willing and able to tolerate. Understanding how much risk you're comfortable with can help guide your decisions about saving and choosing lower-risk or higher-risk investments;
Be realistic about expected returns. Get-rich-quickly schemes with improbable returns are exactly that, improbable;
Think long term. Select and hold good investments for the long-term and do not bail when things look bleak. Markets go up and down and even the best investments go through depressed periods;
Diversify tour portfolio. To lower your risk, experts agree a good strategy is to hold a variety of investments. For example, if you choose to invest in stocks, invest boot locally and overseas, and diversify by investing in real estate;
Where possible, minimise fees. The more you pay in commissions and management fees, the greater the drag on your returns will be. Make sure you understand what a fair commission and management fee is;
Educate yourself and hire advisers carefully. It is your money, so make sure you keep the power in your hands by understanding as much as you can. This will allow you to better evaluate your financial adviser and track the performance of your investments. Understand your own needs and do not be afraid to question the performance of your portfolio â€“ and adviser - when need be.
Most of us have specific short-term goals for which saving is appropriate as well as long-term objectives where investing may make more sense 43
Compound interest or how to make money on your money. Strategies for
When you save and invest, you are using your money to grow itself. This happens through a simple concept called compound interest and it is one of the most important concepts to grasp in your quest to building wealth. When your money compounds, it means you are making money on your original investment, as well as earning interest on interest. Think of it as growth on your money’s growth. When you invest, time allows your invested money to grow and compounding makes your money work harder for you. Given a long enough period to work, compounding can dramatically multiply the value of your investment so that less of your total investment will be from your contributions and more from growth.
SAVING WITHOUT INTEREST
“Compound interest is the
eighth wonder of the world. He who understands it, earns it... he who doesn’t... pays it.”
Let’s look at what happens if your money does not earn interest. It is not difficult to work out that if you put R400 in a shoebox under your bed, leave it there for a year, then open it, you will still have R400. Good on you for saving R400!
- ALBERT EINSTEIN
SAVING WITH SIMPLE INTEREST
Simple interest is the return or interest you get when you take your money from the shoebox and put it into a financial institution like a bank. The bank pays you “fixed” percentage of every cent you have sitting in your savings account. Calculating simple interest:
If you deposit the R400 (called the principal amount) from your shoebox into your savings account and you invest it for a year at an annual interest rate of 6%, you would earn R24 in interest for the year, and at the end of the year, you will have R424 in the bank. R24 more than if you just left it in the shoebox! The formula for calculating simple interest is: I=pxrxt I (Interest) = p (principal amount) x r (rate in the decimal) x t (time) I = R400 x 6% x 1 year I = R400 x 0.06 x 1 I = R24 * The calculation does not reflect bank charges and inflation.
SAVING WITH COMPOUND INTEREST
Now that you have a grip on simple interest, you are ready to get to grips with compound interest: the magical calculation that shows the real workings of the time value of money. Compound interest is calculated on both the amount of principal and any interest earned but not withdrawn. Calculating compound interest: If you leave the same R400 that you invested in year one plus the interest of R24 in the bank for another year, you again earn 6% on the principal amount of R400, but also 6% on the interest you earned in year one. In other words, your interest earns interest. At the end of year two, you now will have earned R25.40 in interest and have R449.04 in the bank. If you do not touch the money and leave it for another year, you will earn R26.96 in interest in year three and have R476.40 in the bank at the end of the year. And this is compound interest in action; as long as you reinvest your money and the interest you’ve earned, it will continue to accrue interest. 44
Publication3.pdf 1 11/19/2018 2:46:06 PM
The formula for compound interest is:
018 011 8888 018 011 8888 www.nutrifeeds.co.za
A = P (1+ r/n) ^ nt
A (amount of money calculated after n years) = p (principal amount) (1+ r (annual rate of interest as a decimal) / n (number of times the interest is calculated in a year) ^ n x t (the number of years the amount is deposited for).
To benefit from compounding, you first have to start saving and
investing and the sooner you start the better. You have to disciplined and not spend the money your investment makes before you reach your savings or investment goals. Remember, good things come to those who wait and this is especially true when it comes to compounding!
Use the power of the internet, go online, find a compound interest calculator tool, and see first-hand how your money grows over time!
DIE FORMULE VIR SUKSES / THE FORMULA FOR SUCCESS DIE FORMULE VIR SUKSES / THE FORMULA FOR SUCCESS
Passionate dog owners want to be sure that they are offering their pets a delicious, balanced meal, with quality ingredients that will help their dogs to thrive. An exciting new pet food plant in Randfontein means that Optimizor dog food can now create world-class formulations, right here in South Africa.
Optimizor Premium Adult range is made using high-quality poultry
commissioned in 2018 by RCL Foods, the parent
meal, guaranteeing optimal levels of protein to ensure strong,
lean muscles, while rice aids with digestibility. At the same time,
transformed what used to be an old animal-feed
VitaCARE, prebiotics and antioxidants promote a healthy immune
mixing plant into the world-class facility it is today. Their dream
system, while omega 6 supports a healthy skin and shiny coat.
was to produce quality pet food that could easily compete with the rest of the world, right here on local soil.
Another exciting innovation is Optimizor’s new Premium Adult 2-in-1 range. The new Premium Adult 2-in-1 Gravy Coated Chunks
The RCL Foods team paid meticulous attention to incorporating
offers a delicious, gravy-coated feast by simply adding hot water,
the best technologies and product recipes. The R150-million plant
while the Premium Adult 2-in-1 Moist Meaty Chunks offers both
shows off exciting features like a 43-metre gravity-fed vertical
regular kibble and mouth-watering chewy bits with an increased
plant – as high as a 14-storey building. Because of this facility, the
team now has the ability to move away from plain, boring pet food products and play with creative product formulations.
Not just for adult dogs, Optimizor also has something for puppies. With 26% protein and easily digestible milk proteins, Optimizor
‘With world-class capability now on our side, gone are the days
Premium Puppy 2-in-1 with Milky Bones now offers increased
of round and brown,’ says Randfontein’s operational executive,
calcium in the form of ‘milky bones’. Together with VitaCARE,
Gustav Nel. ‘The inclusion of fresh meat, real vegetable extract,
antioxidants, prebiotics, as well as omega 3 and 6, Optimizor
increased calcium, gravy-coated kibbles, and vacuum-coated
Premium Puppy 2-in-1 with Milky Bones contains everything
technology to lock in flavour, means that for the first time ever
puppies need for healthy development and growth.
we can truly claim revolutionary innovation across our pet food ranges, proudly produced right here in South Africa.’
All Optimizor products can now be found at a TWK outlet near you.
Optimizor recently renovated their entire look and feel with improved formulations and sleek new packaging. They have
introduced higher protein content across the range to meet
the specific demands of active dogs and puppies. The new
Visit us in store for our last 2019 Isuzu KB 300, on sale now!
Our sales team is the best in the business, visit us today for competitive prices on Isuzu Trucks.
N DIE TWK G VA R EL
OUR SALES TEAM Danie Voges Tel: (079) 102 8323
Leon Swart Tel: (084) 880 5530 R THE TW K G
Riaan Neethling Tel: (082) 363 3830
Kinderstorie deur Jaco Jacobs Illustrasies deur Alex van Houwelingen
Op Basjan-hulle se plaas is ’n boom. ’n Groot ou boom met digte blare. Dis die perfekte boom om kaalvoet in rond te klouter. En in hierdie boom is Basjan se boomhuis. Basjan se boomhuis is die beste plek op aarde om te speel, skatte weg te steek, te dagdroom, planne te maak … of weg te kruip as Ma jou roep om huiswerk te kom doen! Maar vandag dink Basjan nie aan huiswerk nie. Dit is ’n heerlike lentedag. Hy en Nandi en Neville speel in die boomhuis. Nandi en Neville is ’n tweeling. Hulle pa boer op die buurplaas. Dit is glad nie ver nie – die tweeling kom kuier amper elke dag by Basjan in sy boomhuis. “Hmmm,” sê Nandi. “Ek dink die groenes is die lekkerste.” “Jy’s laf,” sê Neville. “Ek hou van die rooies. Die groenes is so suur dat my oë skoon skeeftrek as ek daaraan proe.” Hy laat sy oë oorkruis kyk en trek ’n snaakse gesig. Basjan lag. Nandi en Neville is nou wel ’n tweeling, maar hulle stem amper NOOIT saam oor ENIGE IETS nie.
Vanmiddag stry hulle oor suigstokkies. Die tweeling se ma het ’n hele sak suigstokkies saamgestuur. Basjan kan nie besluit of hy die meeste van die geles of die bloues hou nie. Strepies kyk verlangend na die sak suigstokkies. Dit lyk of hy ook graag wil proe watter kleur die lekkerste smaak. “Jammer, Strepies,” sê Basjan. “Suigstokkies is nie goed vir muishonde nie. Maar hier is vir jou ’n stukkie biltong.” Skielik roep ’n stem onder die boom: “Basjan! Nandi! Neville!” Dis Basjan se ma. “Klim af, julle drie, ons het kuiergaste.” Basjan en die tweeling klim ondertoe. Basjan kreun toe hy sien wie aangestap kom. Dis Wilhelm, sy nefie. Wilhelm is baie jonger as Basjan. Maar hy kan vreeslik spog en grootpraat. Basjan se ma kyk kwaai na hom. “Oom Thinus het by Pappa kom kuier,” sê sy. “Gaan wys julle drie vir Wilhelm die kalfies en die lammertjies en die nuwe trekker.” Basjan sug. Sy ousus, Karlien, is gelukkig – sy hoef nooit vir Wilhelm besig te hou as hulle kom kuier nie. “Jy ken mos al vir Nandi en Neville, nè, Wilhelm?” sê Basjan se ma. “Toe nou, lekker speel! Ek bring nou-nou vir julle koeldrank.” Toe Basjan se ma wegstap, grinnik Wilhelm en kyk na die tweeling. “Watter een van julle is Nandi een watter een is Neville?” vra hy, asof hy kamstig nie kan sien nie.
Nandi en Neville rol hulle oë. “Baie snaaks, Wilhelm,” brom Basjan. “Kom nou, wil jy die kalfies sien of nie?” Hulle begin kalwerhok toe stap. “Jammer,” fluister Basjan vir Nandi en Neville. Hy wil regtig nie hê die tweeling moet hulle vervies vir Wilhelm se flou grappies en huis toe gaan nie. Dan gaan hy die hele middag ALLEEN met sy nefie moet speel. Maar hy weet ook hulle mag niks leliks vir Wilhelm sê nie, want dan gaan hy by die grootmense klik. Hy doen dit elke keer. Strepies draf stert in die lug saam. Wilhelm kyk na hom en frommel sy neus asof hy iets slegs ruik. “Basjan, wanneer gaan jou pa nou vir jou ’n regte hond koop?” vra hy. “Dan hoef jy nie meer ’n muishond vir ’n troeteldier te hê nie.” Basjan byt op sy tande, maar hy sê niks. Strepies piep vererg. In die kalwerhok lê die kalfies uitgestrek in die middagsonnetjie. Wilhelm maak of hy gaap en lyk vreeslik verveeld. “Wat is nou so wonderlik aan julle kalfies?” brom hy. “My pa het BAIE meer kalwers op die plaas. En ons s’n is BAIE mooier ook.” Basjan voel hoe sy wange warm word soos hy hom vervies, maar hy sê niks. “Wel, ek dink die kalfies is pragtig,” sê Nandi. “Kyk daai oulike enetjie met die kol voor die kop!” Volgende stap hulle na die kampie waar die lammerooie wei. Die lammertjies is spelerig. Hulle bokspring rond en bont in die gras en jaag mekaar. Basjan en die tweeling lag. “Kyk daai bont enetjie,” sê Neville. “Hy lyk amper soos ’n foksterriër!” Maar Wilhelm lyk glad nie beïndruk nie. “Ons boer nie met sulke bont skape nie,” sê hy. “My pa het laas jaar vir ons BAIE duur stoetskape gekoop. Ons lammertjies is BAIE ouliker.” Basjan voel hoe sy ore begin gloei van kwaadgeit, maar hy sê niks. Hulle stap verder. Daar is ’n harde gedreun. Basjan se pa se splinternuwe blou trekker is op die landerye. Almal is hard aan die werk, want dit is planttyd. “Sjoe, is dit julle nuwe trekker?” vra Neville. Hy lyk baie beïndruk. “Jip,” sê Basjan trots. “Regtig?” vra Wilhelm en rol sy oë. “My pa het vir ons ’n BAIE groter trekker gekoop. Dit het BAIE meer geld gekos.” Nandi fluister iets vir Neville. “Ons is nou-nou terug,” sê sy vir Basjan. “Ons gaan solank … e … koeldrank kry,” sê Neville verskonend.
Die tweeling stap haastig weg. Strepies draf agter hulle aan. Dit lyk of selfs die arme muishond nou genoeg gehad het van Wilhelm se gespog. Agge nee! Basjan kan nie glo hulle los hom alleen saam met Wilhelm nie. Hoe verder hulle stap, hoe meer spog Wilhelm. Die skuur op hulle plaas is BAIE groter as Basjan-hulle se skuur. Op hulle plaas is BAIE meer vrugtebome as op Basjan-hulle se plaas. Die dam op hulle plaas is BAIE groter as Basjan-hulle se dam. Basjan is nou sommer al BAIE keelvol! Uiteindelik stap hulle terug huis toe. Nandi en Neville sit op ’n piekniekkombers op die gras vir hulle en wag. Hulle het elkeen ’n glas koeldrank. Basjan en Wilhelm se koeldrank staan ook gereed. Nandi glimlag toe sy hulle sien. “Kom kry koeldrank!” roep sy uit. Sy knipoog geheimsinnig vir Basjan. “Neville, ek is lus vir ’n suigstokkie,” sê sy. “Wil jy nie gou in die boom klim en vir ons elkeen ’n suigstokkie pluk nie?” “Reg so,” sê Neville. Hy begin dadelik in die boom opklim.
Wilhelm frons. “Wat bedoel jy? Suigstokkies groei nie aan bome nie.” Nandi se oë rek. “Haai, sies, Basjan! Het jy nog nooit vir jou nefie die suigstokkieboom gewys nie?” Sy beduie boontoe. “Basjan se boomhuis is in ’n suigstokkieboom. Dit dra net in die lente suigstokkies.” Wilhelm lag ongelowig. “Ek glo dit nie,” sê hy. Nandi trek haar skouers op. “Kyk self,” sê sy. Wilhelm kyk op. Sy oë rek en sy mond val oop. Oral aan die boom se takke hang suigstokkies. Dit lyk soos bont vrugte. Neville hang deur die boomhuis se venster en pluk een van die suigstokkies. “Vang!” roep hy en gooi dit ondertoe. Basjan vang die suigstokkie en gee dit vir Wilhelm. “Is … is dit ’n regte egte suigstokkie?” vra hy.
Basjan trek sy skouers op. “Proe self,” sê hy. Net toe Wilhelm die suigstokkie in sy mond steek, roep sy pa hom. “Kom, Wilhelm, ons gaan ry!” Wilhelm stap weg met die suigstokkie in sy mond. Hy loer oor sy skouer na die boom en skud sy kop verslae, asof hy steeds nie sy oë kan glo nie. Basjan-hulle waai vir oom Tinus en Wilhelm. Toe die bakkie by die plaashek uitry, bars Nandi en Neville uit van die lag. Hulle rol behoorlik op die gras rond soos hulle skater. Basjan skud sy kop. “Wilhelm dink wraggies daar groei suigstokkies aan die boom!” sê hy. Neville proes. “Ja,” sê hy. “Dit was Nandi se slim plan.” Nandi grinnik en lyk baie trots op haarself. “Basjan, alles op Wilhelm-hulle se plaas is dalk BAIE groter en beter en mooier en duurder as op julle plaas …” Sy lek aan ’n groen suigstokkie. “Maar ek wed jou Wilhelm is BAIE jaloers omdat daar nie ’n suigstokkieboom op hulle plaas groei nie!”
What did the snowman say to his friend? That’s strange, I keep smelling carrots.
What’s the fastest vegetable in the garden? A runner bean Knock, knock. Who’s there? Lettuce. Lettuce who? Lettuce in, it’s freezing out here! What vegetable is never welcome on a boat trip? A leek
Fun Fruit Facts Strictly speaking, tomatoes, pumpkins, cucumbers, peas and beans are not really vegetables, but fruit. The difference between a fruit and a vegetable is that a fruit is not really part of the plant itself. A fruit is something that the plant produces as a way to spread its seeds. Durian is often called the world’s stinkiest fruit. This large fruit is native to certain Asian countries. Some people say it smells like rotten onions, stinky socks or even sewage. Yuck! The colour orange is named after the fruit – not the other way round! A banana plant is not a tree, but rather the world’s largest species of herb (a kind of plant without a woody stem). There are more than 7 500 different apple cultivars. Popular ones include Golden Delicious, Granny Smith and Pink Lady. 55
HET JY GEWEET? Mathias Willemijns van België het in 2016 die wêreld se grootste pampoen gekweek. Dié bielie van ’n pampoen het 1 190 kg geweeg. Hy kon seker vir AL sy familie en vriende pampoenkoekies bak!
So groen soos gras, so wit soos was, so rooi soos bloed, so suikersoet. Wat is ek? ‘n Waatlemoen
Skryf ’n vrugteversie!
Probeer ’n rympie oor jou gunstelingvrug skryf. Hier is drie voorbeelde om jou te help. Waatlemoen
Die lente is hier,
Onder ’n turksvy
’n Hele somer se sonskyn
die sonnetjie skyn.
se dik doringskil
is goudgeel vasgevang
Ek en my boetie
skuil die soet lekkerte
in elke rondewangperske
werk hard in ons tuin.
waaraan ek graag smul!
wat aan die perskeboom hang.
Ons trek bossies uit, ons hark en ons spit. Versigtig plant ons elke waatlemoenpit.
Van nou af gooi ons dit elke dag nat. In die somer gaan ons eet dat die sop so spat! 56
Die name van elf soorte vrugte verskyn onder die blok. Probeer die name dwars in die letterblok invul sodat ’n woord in die groen kolom verskyn. Gebruik ’n potlood en uitveër, want dit gaan heelwat meet en pas kos om dit reg te kry!
LIETSJIE AARBEI APPELKOOS PERSKE TURKSVY PRUIM PIESANG LEMOEN GRANAAT NARTJIE APPEL
Springtime is here! Can you find five words
in this word search that remind you of spring? S F S U B W S F V O W L
P R L S N S N W R I G J B U R E Y P N C S S K M
F W F F Q I T A O U U N
L G F R M Q T B C W N E
R W L E A V E S A A S U
W E O W Z N R R L O H A
F L W S B T F O O R I P
S E E G H H L E E T N R
N R S C R S B G Z A I R Y D E E E N E A E P G M
Achieving together 57
P M C P R A M I O G W S
By Claire Lagerwall
The legend had haunted him since he was a boy, but Michael had never let it on to anyone. The stigma around his kind was that of being tough and stoic, and sharing thoughts of ghosts was not something he would readily do.
From boyhood, he had heard whispers of the legend. At the bottom of the land, just after the old pine forest, was a well. It hadn’t been used for decades, and most had forgotten about it. The story held that there once was a farmer that had lived on the land, who had given his heart to a girl who he should not have been with. Each evening he would walk his dog down to the well, and sit and wait for her to arrive. She would sneak out from her home, wearily tip-toeing across the crunchy country grass, hoping that they wouldn’t be caught.
Night after night they would meet, talking of love and possibilities that would never come to pass. He gave her a ring, which she never took out until they were together. The old hound would guard them as they sat hidden in the shadows, whispering their gentle music in each other’s ears. And then one evening, she never tip-toed down to the well. He would sit each night for months, through the heat of the summer and the child spring, hoping that she would come back. He asked of her occasionally, never letting on what the community already knew. But he never found out where she went. The legend goes on to say that one morning as the sun rose, his body was found slumped against the well. His hound could be heard across the district, telling everyone that a young lover had died from a broken heart.
Of course Michael never really believed it to be true. One afternoon there was a breakdown with a tractor on the far side of the pine trees. Michael sent the staff home, and continued to tighten and tweak what he thought would fix the engine. Soon enough it had grown dark and he thought it best to head home. He packed up his tools and made his way back to his bakkie, which was parked on the other side of the well. As he got closer, he started to feel a little off. Perhaps a chill down the spine, or maybe just his imagination playing games with his patience. He trudged past the well barely giving a look, when he heard running. The sound was of crunching grass, despite it being soft and fresh - he knew he had to turn to look. There was nothing, but as he climbed into his bakkie he swore he heard the sound of the hound howling. He felt shaken, the sound of paws racing through the grass had seemed so real. He spent the rest of the evening convincing himself that he had simply let the sun get to him, and it was all in his head. But by morning he needed to be sure, and so he drove back down through the land to the other side of the old pine trees. He climbed out his bakkie slowly, telling himself he was a fool, and walked down to the well. There was no sign of life or that anyone other than himself had been there, he felt silly. He turned back to the bakkie, when something caught his eye. His heart felt like it had stopped, his breath suddenly seemed caught in throat. He leaned against an old fence post to steady himself. There on the edge well, where there had been nothing the night before, was the most remarkable ring. Her ring. And in the distance he heard the howling of the hound. ■
VISIT TWK NURSERY TO ADD SOME COLOUR TO YOUR SPRING GARDEN! (017) 826 6907 firstname.lastname@example.org Plot Welverdiend, Piet Retief www.twkagri.com 59
H E A L T H Y H A B I T S ENCOURAGING HEALTHY CHANGE
By Letitia Coetzer and Claudine Klingenberg
Have you ever thought of completing a 10 km race, but feel that it is beyond your capability? Most of us start at point zero, but with slow and steady progress you can accomplish this goal! Here are the steps to take you from being a couch potato to completing your first 10 km race. Find what motivates you, set realistic goals, be consistent, stay motivated, reward yourself and enjoy being a new, healthier version of yourself!
ind what motivates you
makes all the difference. Change starts with something you do
With all the access to social media platforms and fab
differently today. Having a great-looking, healthy body takes hard
pics of fitness trainers on Pinterest we find ourselves
work and commitment. Getting fit doesn’t happen overnight.
constantly comparing ourselves to others, thinking:
wow, I would really like to look like that. Or you may be looking at
Set realistic goals
old photographs and think to yourself: those were the days. Some
Start with a vision of what you want to achieve. Take out those
of us have already completely transformed ourselves in the past,
old photographs or cut out the picture in the magazine and stick
but somehow life happened, and you are no longer the healthy
them where you can look at them regularly. Also set a measurable
version of yourself. Before you take this too far: a person does not
fitness goal, for example being able to complete a 10 km race
need to look like a supermodel to be healthy and feel great. ‘A
within 12 weeks. Find a fitness trainer or partner – accountability
healthy mind in a healthy body’ – this Latin phrase emphasises
can help you stay motivated throughout the programme.
the importance of exercise as an essential part of mental and physical well-being.
Become aware of what your body looks like today, and follow the same approach of taking a picture and placing it in a strategic
The truth is, life happens to everyone – we all have setbacks. Move
place. Look at your picture every day, and remember your
on, forgive yourself and look forward. It is how you get up that
goal. The mirror and the scale are not the only way of tracking
TWK HEALTHY HABITS
transformation – try other methods like measuring centimetres
Getting fit is definitely not a one-day affair. Decide on what
weekly or fitting clothes that did not fit prior to your new-found life
activity you are likely to stick to. This is important – not everyone
changes. Be aware of what you are allowing yourself to think of
is a natural-born runner. Cycling, cross-training and swimming are
yourself, as this holds the key to your daily emotional well-being.
also good examples of exercise. Ensure that your training efforts
Don’t overindulge or lose hope. There are other people also
are supplemented in the kitchen with good-quality nutrition and
struggling with this, but they have decided to do something about
dieting principles. Eating a hamburger after a run will not help you
it. Measure your current fitness and make a note of it – you will
to shed the extra kilos if that is your goal. Follow a nutritious eating
soon become aware of how much stronger and fitter you have
plan in conjunction with your exercise routine to obtain results. If
you have fallen back with your programme, don’t lose all hope. Get up and try again!
Keep it up, be consistent
Now that your goal is set, how do you achieve it?
12-week training programme – complete a 10 km race within 12 weeks Each person is unique when it comes to their natural running ability: some people take to it like a duck to water, while others take a little longer for their bodies to adapt and adjust to the physical demands.
Training should be challenging, but not to the point of draining you of all your energy. The following plan is only a guideline and you should listen to your body. If you feel it is too easy, you can run a little faster, or if you feel it is too difficult, it is OK to walk for a bit or even reduce the duration of the session.
Day 1 – Run 1 min, walk 2 min, x8
Day 1 – Run 9 min, walk 3 min, x3
Day 2 – Run 1 min, walk 2 min, x6
Day 2 – Run 8 min, walk 2 min, x3
Day 3 – Run 1 min, walk 2 min, x10
Day 3 – Run 10 min, walk 3 min, x3
Day 1 – Run 2 min, walk 2 min, x7
Day 1 – Run 15 min, walk 5 min, x2
Day 2 – Run 2 min, walk 2 min, x6
Day 2 – Run 15 min, walk 5 min, run 10 min
Day 3 – Run 2 min, walk 2 min, x8
Day 3 – Run 20 min, walk 5 min, run 15 min
Week 9 – Easy
Day 1 – Run 3 min, walk 2 min, x6
Day 1 – Run 10 min, walk 3 min, run 16 min
Day 2 – Run 3 min, walk 2 min, x5
Day 2 – Run 15 min, walk 5 min, run 10 min
Day 3 – Run 3 min, walk 2 min, x7
Day 3 – Run 15 min, walk 5 min, x2
Day 1 – Run 5 min, walk 3 min, x4
Day 1 – Run 20 min, walk 2 min, run 20 min
Day 2 – Run 5 min, walk 2 min, x3
Day 2 – Run 25 min
Day 3 – Run 5 min, walk 3 min, x5
Day 3 – Run 40 min
Week 5 – Easy
Day 1 – Run 3 min, walk 2 min, x6
Day 1 – Run 45 min
Day 2 – Run 3 min, walk 2 min, x5
Day 2 – Run 25 min
Day 3 – Run 5 min, walk 3 min, x4
Day 3 – Run 50 min
Day 1 – Run 8 min, walk 3 min, x3
Day 1 – Run 40 min
Day 2 – Run 7 min, walk 2 min, x3
Day 2 – Run 30 min
Day 3 – Run 8 min, walk 3 min, x3
Event day – Run 10 km
It is advisable to cross-train for at least 30 minutes on off days and take one complete day of rest during the
Get some new gear
Getting some new gear will
week. Cross-training includes cycling, swimming, spinning
get you fired up for training in
no time at all. Get those shoes you
Benefits of cross-training:
have been drooling over or buy the fitness
Balances your muscle groups
tracker your heart desires – after all, no price is too high for
Maintains and improves cardiovascular fitness
your well-being. If you are struggling with finances: don’t let
Reduces your chance of injury
that hold you back. Shop for the previous season’s shoes
Helps avoid boredom by following the same running routine
– they are just as good. Remember to get advice before
You can continue to train with certain injuries while giving
purchasing just any shoe: there are different types of shoes
them proper time to heal
for different feet. Some are made for high mileage and others for walking. The right size is not the same as your
Motivate yourself 1.
normal foot size – you may end up losing toenails.
Find an accountable partner 4.
If someone is counting on you to train with them, chances
Use the 80/20 principle
are you’ll probably show up. The extra benefit is that the
The result you achieve is determined by what you do 80% of
kilometres will just fly by while you’re conversing. Exercise =
the time. If you stick to your programme most of the time,
you are likely to be successful.
Keep it simple
Don’t overcomplicate things. You may find it hard to stay
Remember why you started and your vision of where you want to
motivated because your goals are set too high. Rather set
end. The link between having a goal and reaching it is ACTION.
yourself smaller, obtainable goals and avoid getting in your own way by being too ambitious.
TWK HEALTHY HABITS
Keep your future self in mind
A C T I O N
– – – – – –
Any Change Towards Improving One’s Nature
Park runs are now available in most areas of South Africa. Find your closest park run and aim to improve on your personal best on a weekly basis until you reach your peak performance. If there is no park run in your area, start one.
For more info visit: https://www.parkrun.co.za/.
Reward yourself Make sure to reward yourself for all you have achieved. Make it memorable – go for a photo shoot, take a selfie or buy yourself that outfit that you could not fit into earlier.
Enjoy being the new healthier version of yourself!
Happy running! Remember the goal! Be consistent!
H E A L T H Y H A B I T S ENCOURAGING HEALTHY CHANGE
YOUR IDEAS LED Marketing Service
N2 Piet Retief Corner of N2 and N11 Ermelo
Be it your small business or group of companies, let us take your marketing to the next level.
(017) 824 1675
By Elmien van Schalkwyk
TOUGHER-ER – Tough from every angle, the Hilux is for those who are ready to take on the challenge of life – the bakkie for those prepared to take on the toughest terrain with a fearless attitude. With a formidable design, featuring an aggressive grille and a front bumper that accentuates its bold, masculine lines, and with unrivalled performance, the Hilux Double Cab will no doubt leave an impression.
oasting both technological and design updates,
either a four-litre V6 petrol engine offering maximum muscle or a
while staying true to its tougher-er heritage, the
2.8-litre turbo diesel loaded with always-on torque, as well as the
Legend 50 features an even more aggressive grille
option of 4x2 or 4x4 drivetrains, the Legend 50 ensures confident
and front bumper, a bold new wheel design, a larger,
off-road handling and braked towing capacity between 2 750
integrated multimedia display, keyless entry and push-start, a
and 3 500 kg. From mountain path to motorway – you own the
black styling bar, side steps and Legend 50 badging both inside
and out. With over a million sold to date over the past 50 years, from Mondays to Fridays, the Hilux is the bakkie that has helped
The Hilux Legend 50’s sure-footed off-road traction and advanced
build South Africa. And over weekends and holidays, it’s delivered
4x4 features enable it to take on even the most extreme of
50 years of unforgettable family memories; 50 years of exploring
terrains, while always keeping you in control. The 2.8 GD-6
and 50 years of throw-a-dart-at-a-map adventures. Powerful and
turbodiesel engine produces peak torque of 420 Nm at 1 400–2
efficient engines, with the choice of 6-speed manual or automatic
600 r/min when fitted with its 6-speed manual transmission, ideal
transmissions, combined with a rigid, robust ladder-frame chassis,
for overtaking or towing. Things are even better with the 6-speed
ensure the ongoing legendary status of the Hilux. And with a total
automatic transmission, where the 2.8 GD-6 engine offers 450 Nm
of 13 models to choose from, in Double Cab, Xtra Cab and Single
at 1 600–2 400 r/min. Maximum power is rated at 130 kW @ 3 400 r/
Cab derivatives, you can be sure that there’s a Hilux Legend 50
min for both transmissions.
2.8 GD-6 LEGENDARY POWER
The 2.8 GD-6 turbodiesel engine produces peak torque of 420 Nm at
While it’s important to know your own power, what makes you a
1 400–2 600 r/min when fitted with its 6-speed manual transmission
true legend is knowing exactly how to harness it. With a choice of
– ideal for overtaking or towing. Things are even better with the
6-speed automatic transmission, where the 2.8 GD-6 engine offers
shifting seamless. The Drive Mode Select switch allows the driver
450 Nm at 1 600–2 400 r/min. Maximum power is rated at 130 kW
to choose between three preferred drive modes to suit the terrain
@ 3 400 r/min for both transmissions. In Double Cab versions the
conditions or the mood.
engine returns an impressive average fuel consumption cycle of 7,6 ℓ/100 km, with a corresponding CO2 emissions figure of 200 g/
DRIVE MODE SELECT FEARLESS EVERY DAY,
km (manual transmission models) and 8.5 ℓ/100 km and 224 g/km
BOTH ON AND OFF THE ROAD – THE LEGEND 50
(automatic transmission models).
EFFORTLESSLY MAKES THE MOST OF ANY SITUATION
4.0 V6 The die-hard 4.0 V6 petrol engine develops a prodigious 175 kW
@ 5 200 r/min and torque of 376 Nm @ 3 800 r/min. Average fuel
For a more relaxed drive, Eco Drive reduces acceleration input,
consumption and emissions are measured at 11,8 ℓ /100 km and
using less power and less fuel when using the air conditioner for
280 g CO2/km.
heating or cooling. POWER MODE
INTELLIGENT MANUAL TRANSMISSION (iMT)
This option is suitable when an aggressive application of maximum
Developed to optimise the engine’s abundance of torque, the
power is required, and is delivered through a sharpened throttle
slick-shifting 6-speed manual transmission puts the power at the
driver’s fingertips, no matter the road surface or the speed. Fitted as standard on all manual transmission-equipped Legend 50s, iMT
JUST LIKE THE HILUX LEGEND 50, A TRUE LEGEND
matches the engine speed to the transmission speed, resulting in
CAN ADAPT TO ANY ENVIRONMENT, NO MATTER THE
gear changes with minimal disruption. Changing up, the engine
speed is matched to the next gear – no jerks, no jumpiness. During downshifts, the same happens, keeping the revs smooth and the
The Legend 50’s sure-footed off-road traction and advanced 4x4
features enable it to take on even the most extreme of terrains,
black Legend 50 styling bar gives the vehicle a whole new look.
while always keeping you in control.
Its strong styling is taken even further with new and uniquely styled
DOWNHILL-ASSIST CONTROL (DAC)*
18-inch alloy wheels, while a tow bar is fitted as standard.
Preventing the wheels from locking while manoeuvring extreme descents, this system simultaneously manages engine braking and
SAFETY FEATURES INCLUDE:
brake pressure, maintaining a stall-free and super-stable vehicle
ANTI-LOCK BRAKING SYSTEM (ABS)
BRAKE ASSIST (BA) ELECTRONIC BRAKE-FORCE DISTRIBUTION (EBD)
HILL-START ASSIST CONTROL
VEHICLE STABILITY CONTROL (VSC)
This feature prevents the vehicle from rolling back on steep CONTACT TOYOTA TODAY FOR INFORMATION OR A TEST DRIVE
ascents during take-off.
TWK TOYOTA PIET RETIEF 017 826 2314
TRAILER SWAY CONTROL (TSC)
TWK TOYOTA STANDERTON 017 712 1341
When towing, TSC, through the use of the vehicle’s stability control system, stabilises the connection between your Hilux and a trailer
so that the effect of potentially destabilising crosswinds, under-
winds and variations in the road surface are neutralised. Steering
operations are also more pronounced: TSC suppresses extra lateral
movement before it gets beyond your braking or steering range,
making sure the trailer is steady and stays completely within your
control at all times.
TRACTION CONTROL (TRC) * When driving off-road or in slippery conditions, TRC applies brake pressure to prevent wheels from spinning during acceleration. On the Double Cab 4X4 AT models, this is detected automatically, thanks to TRC (traction control).
RANGE SELECTOR DIAL * Simply turn the dial on the electronic transfer switch on the centre console to easily swap between 4WD, 4WD LOW and 2WD.
DIFFERENTIAL LOCK Get out of any traction-limited situation with complete ease by temporarily locking the rear axle for maximum grip.
SUSPENSION Up front, double wishbones with rigid shock absorbers provide driving comfort and stability, and super-strong leaf springs at the rear ensure maximum load-supporting ability. *Available on selected models
LEGENDS DON’T COMPROMISE While toughness comes standard on all Hiluxes, the Legend 50 also exclusively sports an accentuated black interior trim, perforated partial leather seats and a high-gloss black instrument panel. Air conditioning takes care of the worst temperature extremities, while the easy-grip, four-spoke leather steering wheel is fitted with switches to control your information display, mobile phone and audio.
Legend 50 badging extends to the doors and tailgate, while the
By Elmien van Schalkwyk
WK recently opened a Haval dealership in Ermelo. It
Haval is GWM's new professional SUV brand, and covers both city
is situated on the corner of Oosthuizen and Jan van
and cross-country SUV products.
Riebeeck Streets, and you will be amazed at what this brand has to offer. Hannes Smit, Manager, and his
The Haval range consists of the H1, H2, H6 and H9.
friendly team are ready to meet you and share all that Haval has to offer.
This renowned SUV brand made its formal arrival on local shores on 31 May 2017, when Haval unveiled the H2 – a vehicle that
Haval is an automotive marque owned by the Chinese automaker
Haval Motors South Africa believes will take the South African
Great Wall Motors, which specialises in crossovers and SUVs. It was
market by storm.
launched in March 2013. The Haval brand has been launched in Australia, Argentina, Bangladesh, New Zealand, Russia, South
The H2 competes against the likes of Honda’s HR-V, the Hyundai
Africa, Benin, Tunisia, Côte d'Ivoire, Chile, Paraguay, Ecuador,
Kona, and Mazda's CX-3. Being Chinese, the H2 is more affordable
Guatemala, Bolivia, Peru, Malaysia, Saudi Arabia, UAE, Iraq, Iran
than its rivals.
and other countries.
Haval H2 2018: Premium (4x2) • • • • •
Safety rating: Five stars Engine type: 1.5 l turbo Fuel type: Premium unleaded petrol Fuel efficiency: 9 l/100 km Seating: 5 seats
Haval currently has 75 000 employees worldwide, has the capacity
Haval Motors South Africa introduced its entry-level Haval H2,
to produce more than one million vehicles per annum, and has
known for being the premium and superior SUV brand of China,
been the best-selling SUV brand in China for 14 consecutive years,
for sale with an eye on succeeding in what is known as one of the
says Tyrone Alberts, the national sales manager of Haval Motors
South African automotive industry’s most competitive segments,
the compact SUV range. Haval China is fully dedicated to supporting the South African Being internationally recognised for its premium levels of luxury,
market and is expecting to make serious inroads into the local SUV
only a spectacular and glittering unveiling of the Haval H2 seemed
market, selling quality vehicles at extremely reasonable prices.
fitting for the brand. And that’s exactly what took place. Emphasising the basis that Haval Motors South Africa is looking to Reassuring quality
become a cornerstone of the South African SUV segment, Alberts
Garnering years of experience, Haval Motors spent years analysing
made no secret of Haval Motors South Africa’s intention.
the South African market to better understand the consumer’s needs and expectations so that Haval Motors South Africa may
‘We at Haval Motors South Africa are very proud of our brand, and
meet and surpass the expectations of the market. And with some
appreciate just how important our customers are. It's imperative
of the following amazing features, it’s clear that the Haval H2
that they know they can have peace of mind purchasing a Haval,
will make great strides in the highly competitive compact SUV
which we expect to become a brand to be reckoned with on the
As the Chinese SUV leader, Haval upholds the brand concept of
For more info or to book a test drive, call: The Manager at
‘specialisation’, focuses on SUV development, and aspires to be a
(082) 373 6185/(017) 811 1827
worldwide top SUV expert brand.
Great Wall Motor Company Limited (GWM) has been listed among
Forbes Asia Fabulous 50 three times. In March 2014, it made the
list of 2013’s most valuable Chinese brands, ranking 40th. In 2014,
GWM was listed among the top 100 car brands of the world, and
ranked among China's 500 most valuable brands.
BLOU TWK RADIUS
IS 'N 7-LETTER-WOORD. en daardie 7-letter-woord is Willard. Die nuwe beperkte uitgawe WillardÂŽ BLOU Battery is nou beskikbaar by geselekteerde afsetpunte. Koop vandag jou WillardÂŽ BLOU Battery en lewer jou bydrae om die bedreiging wat plastiek aan ons oseane en strande veroorsaak, te beperk.
Willard. Die laaste woord in aansitkrag.
et jy al ooit gedink aan jou eie spasie waar jy ’n verskeidenheid groente
dalk wil jy nie jou hele agterplaas opspit net om jou drome te verwesenlik nie? Wel in hierdie uitgawe slaan ons ’n maklike opsie aanmekaar vir al jou plantjies en potjies wat die hele huis vol staan sodat jy jou eie spasie en iets unieks kan skep, en wat jy dan eenvoudig kan wegbêre soos die seisoene verander.
besoek om die houtlym, paneelspykers, houtskroewe en ronde houtpenne te kry, asook vernis en sproeiverf om sodoende ons opsies vir die eindproduk oop te hou.
Meet jou penne af en besluit hoe breed jy jou staanspasie vir jou plante wil maak. Sny die penne die geskikte lengte (neem ook in
Eerstens het ons die palette uitmekaargehaal en versigtig al die
ag hoeveel spasie jy gaan benodig waar die penne binne-in die
gate wat vroeër geboor is, moet pas). Plaas houtlym in die gate en laat die penne set.
Ons het Brummer se houtvuller gebruik (ook by handelstakke beskikbaar) om al die gaatjies wat deur die spykers gemaak is,
Merk die punte van die penne aan die buitekant uit en sit dit met
op te vul en die planke so ’n bietjie meer vertoonbaar te maak.
die houtskroewe vas (4 mm-skroewe word verkies, aangesien houtpenne maklik met te veel druk kan split). Berei volgende die
Volgende meet ons die middel en diagonale merke uit vir die gate
plankoppervlakte voor. Sit die punte vas met klein stroke hout
wat ons gaan boor om die penne mee in plek te hou. Gebruik ’n
wat vanaf die palette verkry is. Gebruik die paneelspykers om die
boorpunt met die korrekte deursnee wat dieselfde deursnee as
punte aanmekaar te heg.
die penne het, en boor ’n gat wat ongeveer 0,5 cm diep is op die uitgemerkte area aan elke sy. Let ook op dat die een kant van
Vir die verstelling gaan ons slegs ’n 15 mm-gaatjie boaan boor,
die raam smaller gaan wees as die ander een om dit sodoende
waardeur ons ’n tappen kan insit wat vrylik kan beweeg om die
’n opslaanstuk te maak.
raam ’n oop-en-toe-opslaanopsie te gee. Daarna kan jy die pen deurskuif en die punte met ’n breër bottelprop verseël om
TWK │ DIY MET (ONS EIE) RIAAN
te voorkom dat dit uitgly. Jy kan dit ook net so los, aangesien dit heeltemal stabiel genoeg is om tot en met 40 kg te kan ondersteun.
Begin nou die konstruksie en sit alles aanmekaar. Kies jou vernis of kleur soos beplan en versier soos jy wil.
Jy het nou jou eie rak waarop jy potte volgens jou styl kan rangskik. Geniet die lente met jou eie handewerk en DIY-vernuf!
DIY met (ons eie) Riaan is met trots geborg deur:
By SanMarie Brauckmann and Elmien van Schalkwyk
iet Retief, or Mkondo 09H00 - 17H00 (meaning On 19 & 20 October stream), is situated in the Tickets At R50pp countryâ€™s timber You Are Welcome To Bring belt in the southA Picnic Basket eastern corner of Mpumalanga. Piet Retief is blessed with a moderate climate and a high rainfall, hence the beautiful gardens on show! The open gardens vary from the more traditional country or parkland gardens to more modern-styled gardens, each having its own charm. Well worth the visit! Country gardens at their best! The Piet Retief Open Gardens will start at Welverdiend Guesthouse and Function Venue at 09:00 on 19 and 20 October, where tickets can be purchased and a roadmap with GPS coordinates to each garden will be provided. You will see from smaller town gardens to large farm gardens, all worth a visit â€“ do not miss one!
Welverdiend Guest House and Function Venue This spacious garden is a showstopper. Surrounding Welverdiend Guest House and Function Venue, this established garden boasts magnificent trees, a variety of plants and a large koi pond. Visitors will be inspired to take a long walk along the pathway meandering between flowerbeds, enjoying the tree canopies and birdlife.
Directions: Take the N2 from Pongola towards Ermelo, turn left into Kruger Street, continue on the R543 towards Wakkerstroom. After the overhead train bridge, look out for Welverdiend on the right.
GPS: -27.007083 30.787589
Time to view: 45 min
Refreshments: Tea Garden
Why visit: Come and enjoy a peaceful atmosphere in a beautiful setting
Bakenkop Farm – Ferdie en SanMarie Brauckmann A garden redesigned and planted over the past five years. Old, majestic trees surround the property and flowing pathways lead one through the peaceful and harmonious rooms of sun and shade-loving annuals and perennials. Propagation of seedlings and cuttings enabled abundant plantings with splashes of red focus points throughout the garden.
Time to view : 45–60 min
Info: Refreshments available
No dogs allowed
Why visit: Surprise nestled in the depths of the plantation!
Charity: Percentage of ticket sales will be donated to local charities
Ecki and Venita Kohlmeyer This is a medium-sized garden that has been about 45 years in the making.
The garden is extremely refreshing to your soul and a place of beauty. The shady trees invite you during the summers, while the sunny lawns catch your eyes in the winter.
The garden is a delightful mix of fragrance that is brought alive by the sounds of nature and enhanced with colours that only Mother Nature herself can create.
Time to view: 30 minutes
Info: Bonsai display, Mica display for all your gardening needs.
Why visit: To be inspired and get some amazing ideas for your own garden
Eddie and Magdel Fivaz You will be surprised by two sections in this garden: the boxed vegetable garden and the children's fairy corner. Big trees call for a shaded garden that the owner executed in a very interesting way with a wood-chip pathway and special focus points. This garden is simply a joy.
Time to view: 30 minutes
Info: Not wheelchair-friendly
Why visit: You cannot fail to be enticed to sit on one of the garden benches and take in your beautiful surroundings
JP and Sonja du Toit A vast, expansive parkland garden established in 1950, but refined and modernised by the present owners, who are the third generation of the family living on the property. A feature of this garden is the impressive majestic trees, but detail and a variety of plants are not lacking, and many subtropical elements are also present. This is a gem not to be missed.
Time to view: 20 min
Info: No dogs allowed
Gin and snack bar available
Why visit: An interesting garden.
Charity: Langfontein farmworkers' development fund
Loraine and Piet Roodt This charming garden is set against a backdrop of old oak trees. The curvy lines of the flower beds create a sense of playfulness, inviting visitors to explore focal points, such as a cosy garden studio.
The vast variety of plants creates points of interest, depth and texture, leaving visitors with a sense of peace and calm – soothing the inner soul.
Time to view: 20 min
No dogs allowed
Picnic site/refreshments: tea/coffee on sale
Why visit: Timeless celebration of tranquillity
Charity: Ian Bouwer – disabled young man. Products on sale to raise money for a new electric 4x4 wheelchair
Langfontein Garden – Ralph And Anneke Rabe Langfontein farm garden is an eclectic garden with a park-like feeling. It is eclectic because of the different styles of different generations blended into a beautiful green harmony of plants, water and trees. It is an inviting garden with beautiful old trees and many different little corners to sit and enjoy nature.
Time to view: 1 to 2 hours or longer to see garden
Info: Not wheelchair-friendly everywhere
No dogs allowed
Garden talk: 11:00 on Saturday, 19 October
Refreshments: Tea garden
Plants for sale
Why visit: Beautiful, tranquil green park
Charity: Uzwelo Children’s Home
Röhrs Farm Guesthouse, Kleinfontein Farm – Remo and Heidrun Kleinfontein is a guest farm situated on the Wakkerstroom road with a beautiful view overlooking a valley of grasslands. The garden has well-established trees and blends gently into the surrounding farmland. The established farm garden is surrounded by manicured sweeping lawns and large colourful beds.
Time to view: 1 hour
Refreshments: German Kaffeestube, coffee/tea will be available
Why visit: Come and enjoy our beautiful views while relaxing with a cup of coffee or tea
Bali Biasa Guesthouse – Theo And Zyllia Rossouw With time, our garden’s style became recognisable, was then copied and is now fused into a tropical garden with the true Balinese style for every Bali lover. The atmosphere is always cool and tranquil and gives a quiet sense of calmness. Defining features are the koi pond, big old trees, the Bali pots and antique wooden teak doors that allow good focus points for a photographer.
Time to view: 30 to 40 min Info: Not wheelchair-friendly Dogs allowed Refreshments available Why visit: Come and enjoy our Balinese garden’s rustic charm in a relaxing atmosphere.
‘There is no passion to be found playing small, in settling for a life that is less than what you are capable of living. Without consistency nothing amazing happens.’ - Nelson Mandela By Elmien van Schalwyk and Wendy McSeveny
or Mandela Day 2019’s 67 minutes, TWK Agri decided
staff as well as medication. With the support of peer educators
to partner with TTN Ministries, expressing their vision as
(community members), TTN has a link between the mobile clinics
a company to get involved in the rural communities in
and the community. The peer educators convey important
and around Piet Retief.
information to the communities, and encourage them to be tested for HIV/Aids and to visit the clinics to receive their medication.
TTN/Fontana Missions is a local NGO that operates mobile clinics, the Asidlale Boxes, Galilee Training Centre (Heyshope Dam) and
the Active Youth Programme (rural high schools).
This rapidly growing division is based on ‘disciple making’ and linked to the DMM (Disciple Making Movement), which is a worldwide
The TTN network covers a wide area of southern Mpumalanga and
network. The Missions team has focused on the extremely rural
includes Piet Retief, Amsterdam, Sheepmoor, Iswepe, Driefontein,
villages, with a five-point plan built on the foundation of the DBS
Panbult, Commondale, Braunschweig, Moolman, Sulphur Springs
(Discovery Bible Study). This approach allows rural, traditional
and parts of southern Swaziland.
people to discover God for themselves, while at the same time being supported to begin a process of upliftment and self-
The TTN network is made up of two divisions
sustainability, encouraged by the discovery process. The DBS also allows us to introduce our access ministries to the
communities, whereby we train communities to become self-
This division began with HIV and Aids education, but immediately
sustaining and alleviate poverty through:
went on to establish a strong mobile clinic operation. We have •
five mobile clinics that visit over 200 sites per month, and record in excess of 60 000 patient visits per year. This division is strongly
and pigs •
linked to the Department of Health, which supplies the nursing
FOOD PROVISION – Galilee Farming with vegetables, crops
EARLY CHILDHOOD DEVELOPMENT – Asidlale 'Playbox'
HEALTHCARE – Mobile clinics
distributed to community members waiting for the clinics. Those
SKILLS TRAINING – Crafts, carpentry, and crocheted bags.
who visited Mobile 2 and the Cotlands Toy Library donated books
Workplace skills training (Pastel)
to the kids and were also able to play with them and learn a little about the toy library’s operation with Mobile 2.
At Galilee Training Centre a vegetable garden was planted by TWK Timber Department – TWK donated cabbage and spinach seedlings as well as trees. They also helped to make wooden benches that will be donated to schools where the Active Youth Programme is running. They kindly organised a braai for everyone at the centre as well!
The Asidlale Box Project took TWK’s Debtors Department out to Thoko’s crèche at Vezinyawo (outside Amsterdam), where they painted the little crèche, which is made of plain timber
It was quite a challenge preparing and coordinating Mandela Day 2019. Lists were made,
requested and the activities for the day finely planned and organised.
TWK/TTN Mandela Day started at 07:30 at the Fontana Church, Piet Retief. TWK and TTN employees had a quick coffee and something to eat before departing to the mission fields for their 67 minutes of community service.
Over 60 TWK employees participated on the day, undertaking to visit and assist communities at a total of eight TTN sites.
planks. The ‘before’ and ‘after’ pics tell it all – the crèche is now a brilliant blue colour with bright yellow accents and a lovely striped door! The kids all received cupcakes and a packet of sweets, and
TWK Insurance Division joined with the mobile clinic sites, where
the workers also enjoyed cupcakes while they painted.
seedlings, fruit, bottles of water and sweets (for the kids) were The Active
Programme had a truly
memorable day! With three teams from TWK – Human Resources, Finance and Grain Division – visiting the Kemp Siding, Cana Combined and Vezinyawo schools. There was much work to be done! Trees were planted, a garden perimeter fence was laid out, vegetable gardens were planted, and the kids were given hula hoops, skipping ropes, balls and other games to play with. We hope that everyone involved returned a little changed by what they had seen and accomplished. The fact that you are alive today
means that there is a mighty call on your life – do something with it. Have the courage to take a stand. Use your mind, hands and heart to build something bigger than yourself.
Mandela Day at Pietermaritzburg Mandela Day was once again filled with touching moments and helping hands extended to those in need.
TWK Trade, Pietermaritzburg, joined the Christian Social Services at St David’s Church on 18 July 2019 where they made boerewors rolls for about 70 families, all from the Maritzburg area.
The Christian Social Services Centre is under the leadership of the Reverend Jamie Rheeder. Through 12 social services offices from Kokstad to Pongola, seven child and youth care centres from Newcastle to Durban, two homes for the aged in Durban and a wide range of partners, KZN CMD (Christian Social Services) strives to create communities of excellence by bringing hope to those in need.
After the families ate and recharged, they were each handed a box of necessities to take with them on their journey. Some of these items were tinned food, basic toiletries, and more.
Here at the Maritzburg CMD, they also make it their mission to help homeless citizens learn how to read and write – a necessary life skill that one often takes for granted.
Thank you to Marius van der Watt, branch manager at TWK Trade, Pietermaritzburg, and his team for organising the day’s activities. It was a great success.
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Deur Chantell Grobler
Aarbei-lemmetjievinaigrette (sien resep hieronder – gebruik omtrent 2 eetlepels slaaisous per bottel)
4 aarbeie gehalveer
Afhangend van hoe sappig die aarbeie is, mag jy hulle dalk laer in die bottel wil pak om te voorkom dat die sap van die aarbeie die spinasieblare pap maak.
Aarbei-lemmetjievinaigrette Bestanddele: •
2 e olyfolie
1 e vars lemmetjiesap
1 e witasyn
Sout en peper na smaak
Meng al die bestanddele in ’n houer met ’n lugdigte deksel. Maak toe en skud goed totdat alles geëmulsifiseer het. Maak omtrent 4 eetlepels slaaisous (genoeg vir 2 bottels).
2 k opgekapte koolblare
½ k gedroogde bosbessies
Granny Smith-appels, opgekap
½ k opgekapte pekanneute
1 k rooi druiwe
Vir die slaai: •
Sout en varsgemaalde swartpeper
ontbeende, vellose hoenderborsies
⅓ k gewone Griekse jogurt
¼ k gekapte rooi uie
vars gedrukte suurlemoensap
Geur hoenderborsies met sout en peper na smaak. Braai in ’n pan vir ongeveer 3 tot 4 minute per kant tot gaar. Laat afkoel voor dit in kleiner happies opgesny word. In ’n medium-grootte bak, meng hoender, Griekse jogurt, rooi uie, seldery, mayonnaise, amandels en suurlemoensap saam. Geur met sout en peper na smaak. Om die slaai saam te stel, pak die hoendermengsel, kool, bosbessies, appels, pekanneute en druiwe op mekaar in ’n bottel en seël met lugdigte deksel. Genoeg vir 4 porsies.
gekapte rooi ui
1 k rooikool en babaspinasie
6-8 gekookte garnale
opgesnyde gekookte eier
gewone Griekse jogurt lemmetjiesap
¼ t vars gedrukte lemmetjieskil
Seesout en peper na smaak
In ’n klein glasbak, meng al die slaaisousbestanddele saam. Pak die slaaibestanddele in lagies in ’n bottel. Begin met die slaaisous onder, kool en spinasie, tamaties, komkommer, feta, garnale en dan die eier. Seël in bottel met lugdigte deksel indien jy dit nie dadelik wil bedien nie. Kan vir tot 3 dae in die yskas gestoor word.
Welverdiend For any occasion that needs to be celebrated in style, contact us today! • Weddings • Birthdays • Anniversaries • Baby Showers • Conferences • Year-end Functions We can cater for any group up to 250 people.
Chantell Grobler at (082) 370 4180 or firstname.lastname@example.org
he Bible tells us that 'you shall know them by their
dogs would have those wild sheep walking around our feet
fruit'. The Lord says very clearly that we shall know
in minutes. Many years ago, sheepdog trials were held on our
a tree by its fruit. A thorn tree can't produce apples
farm at Shalom. I remember chuckling to myself when I heard
and an orange tree won't produce figs – we too
Afrikaans sheepdog handlers giving commands to their dogs in a
should be known by our fruits. When it comes to agriculture,
Scottish accent. These dogs obviously came from Scotland.
one of the most important 'fruits of the spirit' is patience. It is amazing how tribulation produces patience (Romans 5:3–4). The
The Bible tells us very clearly that patience is a virtue and we
most impatient people you will ever meet are people who have
need to work on that fruit of the spirit. In fact, patience executed
never been sick or who have never been short of anything. For
correctly will not only save us much time and energy, but money
example, when we see an old car chugging up the road, we
as well. There is an old saying that the fruit does not fall far from
automatically think of it as an old piece of scrap that should
the tree. In other words, we will find that a child invariably grows
be taken off the road. However, to the driver of the car, it is
up with the same tendencies as his or her parents. I choose to
all he can afford and that is what will get him to work. People
believe that the more time we spend in the presence of the
who stop for someone who has broken down on the side of the
Almighty God, the more we will become like Him.
road are often people who have been through those situations themselves – they have compassion and understanding. That is
I was taught a wonderful lesson of patience as a young man,
something that I am really working on, because by nature I am a
when I went to buy a Simmental bull from a great stockman,
very impulsive person. An impulsive person does not always make
Cederick Taylor. He farmed in the Underberg area right at the
a good stockman or farmer. Most good stockmen are extremely
base of the Drakensberg mountains. He was one of the old
school: he had hands the size of shovels and he was a quiet and gentle person. After I had purchased the bull, we had a cup of
One of the real inspirations in my life was my uncle who lived in
tea and then we went down to the loading ramp to load the bull
Scotland. He was a shepherd. He had never had much schooling
onto my truck. The bull was giving some of the young men a lot
because he was an asthmatic. He had spent most of his school
of trouble – he would not get onto the truck. I remember how,
life at home, but he had an amazing ability with sheepdogs
very quietly, Mr Taylor told his staff to stand back. He walked up
– Border collies. He was probably the most patient man I ever
to the bull and put his hand on the rump of this massive beast
knew. My uncle had a reputation for his skill with sheepdogs.
that probably weighed a ton. Then he spoke to him firmly but
On my weekends off from agricultural college in the north of
kindly and said 'Come on, boy'. That bull changed his whole
Scotland I would go and spend time with him. I would watch
character in an instant because he felt safe in the hands of his
him work with the dogs – those dogs literally did everything but
breeder and he walked straight onto the back of that truck. I
speak. He had incredible patience with them, and they would
have never forgotten that.
take orders from no one else. When the dogs had puppies, he would train the puppies and then sell them. Nine times out of ten
Shouting and swearing and losing your cool will not help,
the puppies would be returned to my uncle, as they would work
but being patient and speaking firmly but gently will move
for no one other than my uncle.
mountains. Let's start to imitate our Lord Jesus Christ. It will make a huge difference not only in our business operation, but more
My uncle was able to bring a flock of sheep into pen within 15
importantly to life at home.
minutes, when it would take other handlers a couple of hours. He used mostly sign language to direct the sheep dogs. I don't
remember even hearing the dogs bark at the sheep, but the
is back at TWK agri We are proud to announce that Neutrog returns to the South African market after a four year absence. A selected range of our biological fertilisers will be relaunched from October 2018; the first being Neutrog’s flagship fertiliser, Bounce Back. Bounce Back is a unique blend of organic materials specially formulated for all your fertilising needs. A highly concentrated natural product, Bounce Back also promotes faster, healthier, sustained growth for all plants. Bounce Back encourages the development of earthworm and microbial activity leading to healthy, well-structured soils. Bounce Back is composted and steam treated and is then pelletised for easier and cleaner handling. These processes stabilise the nutrients, maximise nutrient availability and ensure the product is free of any parasites, pathogens and weed seeds. Most importantly, the resultant product retains the microbiology necessary to provide a ‘living’ fertiliser. Neutrog Bounce Back has been widely used by professional horticulturalists throughout South Africa in the successful production of commercial crops of vegetables, flowers, fruit and plants.
Neutrog Biological Fertilisers SA Pty Ltd Umlass Road, KwaZulu Natal Telephone: 031 782 3105 or 031 782 0002 Fax: 031 782 1431 or 086 641 2589 Facebook: www.facebook.com/NeutrogSouthAfrica/ Email: email@example.com Web: www.neutrog.co.za
September - October - November 2019