SAVA-Bulletin: Oktober 2012 - saarp

Bulletin
Publication for Seniors
ISSUE HIGHLIGHTS
• John Cleese - pensioner
actor bursting with energy
• How to slash water costs
• Mites en foute van
noodhulp
• ’n Wet wat jou teen skelms
en skelmstreke beskerm
October / Oktober 2012

SAARP-SURE MOTOR & HOUSEHOLD INSURANCE FOR MEMBERS
OF THE SOUTH AFRICAN ASSOCIATION OF RETIRED PERSONS.
Following our successful launch in July 2009 we have saved SAARP members thousands of rands in premiums.
YOU DESERVE
The lowest premiums, widest cover, least exclusions, unsurpassed service.
PENSIONERS
We guarantee to equal or better any quotation or existing insurance premium. AFI offers existing policyholders a R500 referral fee*
if they refer a friend who becomes a policyholder!
ALEXANDER FORBES ASSISTANCE SERVICES!
In the event of a Home, Roadside or Medical emergency, a 24-hour call centre provides the necessary assistance to SAARP-SURE
clients. For an obligation free comparative quotation contact your SAARP-SURE consultant.
CHRIS FREEBURY
Tel: 021 415 1858 l Fax: 021 415 4687 l Cell: 082 789 5061 l Email: freeburyc@aforbes.co.za
MOTOR & HOUSEHOLD INSURANCE
An Authorised Financial Services Provider. Licence Number 30414. * Terms & Conditions Apply.
SAARP Head Office
Postal Address
P.O. Box 13222
N1 City 7463
Physical Address
125 Vasco Boulevard
Goodwood
Contact
Tel: 021 592 1279 / Fax: 021 592 1284
Email: saarp@iafrica.com
Website: www.saarp.net
Bank Account particulars for Bulletin
Subscriptions
ABSA Bank, Cape Town, Universal Code 632005
Cheque Account Number 405 745 1765
Images Stock.XCHANGE, Dreamstime and
pbase.com
Printing Paarl Media Pty (Ltd)
Team
Social Services Director
Ray Hattingh
Editorial Consultant
Philip Bateman
Proof-reader Julie Hattingh
Translator Hans Linde
Contributors Desi Doran
Ray Hattingh
Philip Bateman
Caroline Bateman
Paul Rosenbrock
Marilyn Hallet
Design and Lay-out
Aardvark Creations
Cell: 082 650 3414
mel@aardvarkc.co.za
Advertising
mel@aardvarkc.co.za
Cell: 082 650 3414

Contents / Inhoud
8 26
Boodskap van die Uitvoerende Direkteur 2
The CEO’s note 3
NEWS / NUUS
Mahala Nuushoekie 4
Wins & Things 6
John Cleese - pensioner actor bursting with
energy 8
FINANCES / FINANSIES
How to slash water costs 10
Planning for the inevitable 14
’n Aantal minder bekende finansiële terme 16
TECHNOLOGY / TEGNOLOGIE
SAARP on-line? 22
Creating your own home office 24
16
HEALTH / GESONDHEID
Sleep tips for older people 26
The healing power of flowers 30
Mites en foute van noodhulp 32
LIFESTYLE / LEEFSTYL
Free outings in Cape Town 34
Claim your SAARP benefits 36
Hoe ’n onlangse wet jou teen skelms en
skelmstreke beskerm 38
You’ve earned it! 41
Profile: executive director, Ray Hattingh 42
Social Clubs 43
Travel Club 44
Holiday Club 46
JUST FOR FUN / NET VIR PRET
Puzzles (Word Search & Sudoku) 47
Solutions / Oplossings 48
SAARP, its suppliers, publisher, printer and contributors do not have any intention to provide specific medical or other advice but rather
may provide readers with information in terms of its rights under the Constitution of South Africa. Information provided here is not a
substitute for professional advice of any nature, more particularly medical advice, care, diagnosis or treatment, neither is it designed to
promote or endorse any medical practice or treatment, programme or product. It is placed on record that SAARP does not endorse or recommend
any product advertised or mentioned in the editorial content of the Bulletin or website or the like. Additionally and similarly,
SAARP does not offer professional advice in any area, including, but not limited to, law and finance. In all cases, should readers require
advice or treatment or the like, they should consult a properly accredited and qualified specialist in the field.
saarp@iafrica.com 1

Boodskap van die Uitvoerende
Direkteur
Een van die belangrikste doelstellings van SAVA is om geldelike bystand aan
lede te verleen deur dienste teen korting te lewer wat hulle geld spaar.
Hierdie dienste wissel tussen versekering en goedkoop vakansies. Terwyl die
winter stadig tot ’n einde kom, is dit nou die tyd om aan ’n welverdiende vakansie
te dink by een van meer as honderd oorde dwarsoor die land, teen die belaglike
lae pryse wat ons aanbied. In die Bulletin plaas ons altyd ’n lys van
besprekings wat ons gemaak het, maar daar is baie meer beskikbaar. Besluit
watter streek jy graag wil besoek en kontak ons kantoor – ons sal dan ’n bestemming
vir jou uitsoek teen ’n prys wat jy kan bekostig. Baie van die “goedkoper”
hotelle vra nog steeds R1,000 per nag – wel, jy kan ’n “mid-week” se vakansie teen dieselfde prys kry.
Dit is net een van die dienste wat jou gratis lidmaatskap vir jou meebring.
Ons kry gereeld briewe van lede wat ons bedank omdat ons hulle geld bespaar het, maar in ons ledelys
van meer as 85,000 is daar nog baie wat ons nie geskakel het om een van hierdie dienste te bekom nie.
As ons waarborg dat jy geld gaan spaar, waarom stel jy ons nie op die proef om te kyk hoeveel jy gaan
spaar nie? In hierdie moeilike finansiële omstandighede tel elke sent wat mens kan spaar, en wanneer dit
dikwels honderde rande word, is dit meer as welkom.
Ons Raad van Direkteure vergader gereeld om te kyk hoe ons ons dienste en ons lidmaatskap kan uitbrei,
maar die mense wat regtig iets daaraan kan doen om ons organisasie te laat groei, is julle, ons gewaardeerde
lede. Het jy al ons dienste aan jou vriende aangebied? Sal jy gewillig wees om ons dienste en
produkte in jou omgewing op ’n kommissiebasis te bemark? Dit is een van die gedagtes wat ons oorweeg
en ons sal graag wil hoor of jy geïnteresseerd is.
Sedert die stigting van SAVA in 1982 het ons ledetal aansienlik gegroei, en ons het ook ons tegnologiese
vermoë uitgebrei om die inligting oor ons lede byderhand te hê. Met die druk van ’n knoppie is ons nou in
staat om met enige lid enige plek in die land kontak te maak. ’n Groot probleem is egter dat baie lede ons
nie inlig wanneer hulle elektroniese adres verander nie. Maak asseblief seker dat ons jou jongste eposadres
het. Dit bring jou nader aan ons en help ons om jou ingelig te hou oor wat ons beplan.
Ons moedig ons personeel aan om ons voortdurend van idees/wenke te voorsien om ons dienste te verbeter,
maar terselfdertyd wil ons hê dat julle ons moet vertel hoe ons kan verbeter. Natuurlik moet alles
binne ons geldelike vermoë wees, maar as jy idees het, laat ons gerus weet omdat dit ons almal grootliks
kan bevoordeel.
Kersfees kom vinnig nader en in daardie tyd sal lede wat SAVA se b-Smart-kaart gebruik het, hulle jaarlikse
terugbetaling kry. Sommige kry baie honderde rande vir hulle aankope oor die jaar terug – net betyds
om geskenke aan te koop. Nog ’n Kersbonus in hierdie besondere tyd.
Ons kantore sal gesluit wees vanaf die 18de Desember 2012 tot die 2de Januarie 2013. Vir die lede wat ’n
Bulletin in 2013 wil ontvang, onthou dat ’n R30 donasie om die posgelde te dek, betaal moet word asb.
Goeie wense vir die komende feesseisoen. Mag die nuwe jaar vir almal van ons baie voorspoedig wees.
John Benwell
2
www.saarp.net

The CEO’s note
One of the prime aims of SAARP is to provide financial assistance to our members
by giving discounted services which save them money.
These services vary from insurance products to cheap holidays. With winter
slowly disappearing, and warmer weather on the way, it is a good time to think
about that much-needed holiday at one of the resorts around the country. There
are over 100 of these, and the prices we offer are ridiculously low compared with
others. Our Bulletin carries a list of bookings which we have made, however
there are many more available. Decide which area you would like to visit and
contact Renske at our office. She will then find a suitable venue for you at affordable
rates. Many of the “cheaper” hotels still charge R1 000 per night – but we
can organize an entire week’s holiday for the same price (excluding weekends).
This is just one of the services which your free membership to SAARP affords
you.
We regularly receive letters from members thanking us for saving them money as a result of the services
we provide. However, in our over 85 000 membership base, there are still many who have not made use of
them. In these trying financial times every cent saved counts. Why not avail yourself of the services on offer
from SAARP. Some members have saved hundreds of rands in this way.
Our Board of Directors meets regularly to discuss how we can expand our services and increase our membership,
however you, our valued members, are the people who really can do something to grow the organisation.
Have you mentioned our services to your friends? Would you be willing to market our services and
products in your area on a commission basis? These are some of the ideas we are considering, and would
value your feedback should you be interested.
Since the establishment of SAARP in 1982, our membership has grown substantially, and we have also
expanded the technology we use, in order to keep accurate records of our membership base. Now, at the
touch of a button, we are able to contact members who have provided us with the requisite database information,
anywhere in the country. A major problem is that there are members who have not updated us on
their details, and in particular with their e-mail addresses.
Please ensure that we have your latest e-mail address, as this brings you closer to us, and assists us in
keeping you informed of what we are planning.
We constantly encourage our staff to provide us with ideas for improvements in our services, but at the
same time we would like you to tell us if you feel we can improve. Obviously suggestions should be within
our financial means - any ideas you may have will be of great benefit to us.
Christmas is rapidly approaching and, around this time, many members who have utilised the SAARP
b-Smart cards will be receiving their annual refunds – some as much as several hundred Rands on their
purchases over the year. This is just in time for the added expenses at Christmas and is a bonus at this
time of year.
Our offices will be closed from the 18th December 2012 to the 2nd January 2013. For those members who
wish to receive the SAARP Bulletin in 2013 please remember that a R30 donation towards the costs of
postage is required.
I send you our best wishes for the festive season. May the year ahead be filled with prosperity for all of us.
John Benwell
saarp@iafrica.com 3

4
Lente
is hier!
Dis tyd om daai
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Besoek ons webtuiste by www.4mahala.com of www.mahala.mobi
op jou selfoon vir 'n volledige lys van afslagvennote. VENNOTE IN DIE KOLLIG!
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Kry tot 20% afslag asook maandelikse punte op jou subskripsie.
Jy kan tot 20% afslag by Aventura kry.
Sê vir ons waar jy jou inkopies doen en staan 'n kans om 'n Cybook E-reader te WEN!
Mahala wil graag die plaaslike vennoot nader om vir jou 'n afslag te beding. Let wel,
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hieronder in en pos dit na Posbus 9843, Centurion, 0046 of e-pos na
partners@mahalas.co.za of faks dit na 0866 314 046.
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www.saarp.net

For those who value comfort and quality
of sleep, BEYOND LINEN has an answer
for you.
Background
In the 1990’s two German textile engineers discovered a new way of processing yarn that resulted in a
bed sheet that has become known for its softness and comfort. This linen was initially used in hospitals,
particularly in intensive care, as its softness, resulting in fewer bed sores, and ease of bed making were
qualities particularly favoured by patients and hospital staff. Matrons found that the contour wrap design of
knitted linen stopped the sheets from slipping off the bed and made bed-making quicker and simpler. Soon
the demand for the linen came from the patients themselves and their families who liked the soft feel of the
linen and wanted it in their own homes.
International Acceptance
Cotton knit sheets have been available for some time in Europe and the United States, known there as
jersey-knit or interlock, but have only recently become available in South Africa. Various linen associations
have tested the sheets and have found them to last longer (less tumble dry time and no ironing which also
assist in stains not ‘setting in’) than conventional woven linen.
Benefits for you in the home
There are many types of bed linen available on the market but one of the unique differences in Beyond
Linen lies in the way it is manufactured. Cotton knit linen is knitted, not woven, and it is through this process
that results in fibres feeling softer and more stretchy. As an added benefit, this linen does not need
ironing (as creases stretch out over the bed) which fits perfectly in line with today’s trend for low-maintenance,
eco-friendly living.
People who use this range of linen soon become loyal to this type of bedding as the range of benefits
have convinced them that this is the linen of the future. The cost-effective benefits of Beyond Linen are
significant - less laundry time, no added softeners and quicker bed-making.
The Beyond Linen range includes:
• Fitted sheets
• Semi-flat top sheets
• Flat sheets
• Duvet sets
• Pillowslips – Standard and King Size
• Throws
For more info: www.BeyondLinen.co.za
or contact:
Thalia 073 655 5764 (Cape Town)
Margi 082 416 6733 (Johannesburg)
saarp@iafrica.com 5

Wins & Things
Social clubs news
SAARP members sometimes see events advertised
for SAARP Social Club members. They subsequently
arrive at these events believing that as
SAARP members they are eligible to attend these.
This is not the case, and clubs often have difficulty
in explaining the difference.
The main difference is that the social clubs operate
independently and as they have their own
running expenses, they levy an annual membership
fee which is determined by the club committees.
SAARP is an organisation offering a range of
benefits to its members. One of these benefits is
membership of its social clubs. SAARP is, if you
like, the mother-body.
In summary:
• Membership of SAARP is free.
• Membership is open to all people over 50,
whether employed or not.
• Receipt of the Bulletin is dependent on an
annual donation of R30. This does not entitle
you to any social club benefits.
• The social clubs are one of SAARP’s member
services.
• The social clubs require a separate application
form.
• The social clubs levy an annual membership
fee.
Snippets:
• The PE West Club has a large number of apologies
at their monthly meetings. When they
were asked how they manage this the chairman
replied, “No apology, no newsletter.”
• PE West recently had 155 of their 304 members
at the monthly meeting.
6
• The Alexandra Club provides quite a spread
at the monthly gatherings. They have a simple
ruse: those members who have a birthday
that month must provide the goodies for tea.
• The Jeffery’s Bay Club has a plethora of lucky
draws every month. Their chairman does a
regular round of the local businesses and collects
gift vouchers for anything from meals to
hairdo’s.
• Most clubs arrange discounted meals for their
members. One chairman told me that - in response
to a raised eyebrow from a restaurant
manager eyeing some luxury vehicles in his
parking lot - he pointed out that their club’s
members range from, “. . . those on state
pensions to the lucky few who can’t possibly
spend all their interest every month.”
• The Hermanus Club had an outing to Napier
and they so impressed the locals with their
sense of fun and enjoyment that Napier has
started its own SAARP Social club. Hermanus
has garnered 94 new members in a short
space of time and have had to move to larger
meeting premises.
What members say:
To Errol Theron, Chairman Amanzimtoti:
“There are always top quality speakers at every
meeting who everyone can benefit from - and be
kept up to date with topics such as economics and
technology. Our events, outings and gettogethers
are always well organised and enjoyable. Our
Christmas lunch was AWESOME . . . and enjoyed
by everyone present - plus all the gifts! . . . You,
Sharon and your helpers put in a lot of hard work
and made it such a huge success . . . .”
To Ingrid Green, Chairman Hermanus [known as
Fireball 500 with good reason]:
“I wish to tell you and your team that members
are talking about all you have achieved in such
a short time. I have been a member for only five
years but - WOW - all the discounts are nothing
short of amazing, as are the lovely outings you
www.saarp.net

have arranged. Nothing remotely like this has ever
happened before. This enormous effort has rubbed
off on all aspects within the club especially the BIG
increase in membership which is still growing . . .
“GO FOR IT GIRLS.”
What they offer:
All clubs offer a wide variety of services and
things to do, not the least of which is companionship
and friendship. The following list was culled
from the clubs’ monthly newsletters to their members:
• Outings, coffee mornings, lunch clubs, breakfasts,
braais.
• Local discounts, reduced-price theatre tickets,
raffles, cash prizes, bring-‘n-buy and craft
tables.
• Entertainment, raffles, prizes, bingo mornings,
interesting and informative speakers.
• Hiking, walking, trips, holidays.
• Computer school. [Sedgefield].
• Movies [Hermanus].
• Bridge, scrabble, 10-pin bowling.
Win an LCD TV set for helping us find members
who want to save on insurance
PLUS: RECEIVE CASH AWARDS!
Fancy a smart new TV set? Well, you could win
one by simply doing us a favour.
It costs you nothing – and you will also be helping
a friend!
This will be a latest model LCD flat-screen TV set
with superb colour and sharpness – designed to
bring you years of viewing pleasure.
We’re always looking for members - not only
because we want to reach as many people as possible
but also because we want all older people
(that is, over 50-year-olds) to enjoy the benefits
that SAARP offers – especially cut-price insurance.
We want you to recommend members who are
likely to want to save on insurance through our
superb short-term insurance plan. And the beauty
is that virtually everyone can save. So we want
you to send us names of people whom you believe
could profit from lower insurance premiums on
their car, household items, portable possessions
and other valuables. Or maybe they haven’t had
insurance before.
Here’s the deal: we’ll record your and their names
in our database. We’ll ask them to become
members and when they’ve taken out insurance
through us (we’ll invite them!) your name will go
into a draw for the TV set!
PLUS: You’ll also receive R10 for each person
you’ve recommended who enrolls as a member
and another R30 when they’ve signed up for insurance.
Here’s how you can stand a chance of winning:
1. Write down the names, addresses, approximate
ages and contacts details (phone numbers,
email addresses if possible) of potential
members. They could be relatives, friends and
other older people whom you know. It’s best
to tell them you are doing this so you have
their ‘buy-in.’
2. Don’t include more than one prospect’s name
from a single household.
3. Send their details to: Membership Secretary,
Win-a-TV Member Competition SAARP,
P. O. Box 13222, N1 City 7463. You could also
email them to saarp@iafrica.com with Win-a-
TV Member Competition in the subject line.
As you can see, you have everything to gain and
nothing to lose. And, yes, it’s FREE!
Terms and conditions of the draw: 1. Anyone can
enter except staff and direct family of SAARP employees,
suppliers and others financially connected with
SAARP, as well as people under 18. 2. Entry is free.
3. The competition closes on 31 December 2013. 4.
The prizewinner for the TV set, who will be drawn
by lot from all qualifying entries, will be announced
by 15 January 2014. 5. No entry fee or purchase is
required or implied. 6. Entries qualify for the cash
reward when one or more of the people recommended
by the entrant take out insurance through SAARP. This
cash reward is not connected with the draw process.
7. The prize can be inspected at, and collected from
SAARP offices from 8.30 am on 15 January 2014 or alternative
delivery arrangements may be made. 8. The
winner will be informed by SAARP. 9. The sponsors
reserve the right to extend the closing date or alter the
terms of the competition should circumstances occur
that warrant it such as events beyond their control.
10. The winner’s name will be published on the
SAARP website. (http://www.saarp.net)
saarp@iafrica.com 7

JOHN CleeSe – pensioner
actor bursting with energy
by Caroline Bateman
Who says that by 72 one should have slowed
down, packed it all in and be dozing in front of
the fire, wearing slippers? Certainly not John
Cleese who, when I told him he must be tired
after a full day of filming, blurted out, “not tired
– not at all tired, why would I be?”
I nearly said, but didn’t, “Well because of your
age and because you have just worked a full,
hard day, that’s why” but my conditioning was
cut short by his quizzical look and casual (but
charming) tossing off of my concern.
John Cleese, world-famous actor and comedian
is in our home in Kenilworth, Cape Town, to
shoot some of his scenes as the English Master,
Guv, for the new Spud movie The Madness Continues.
His ‘school study’ is our high-ceilinged
Edwardian library, which has been transformed
magnificently, by the set-designers, into the
most delicious homely muddle of books and
papers tossed randomly on the Persian carpets,
sofas and leather arm chairs.
Cleese, highly experienced actor, comedian,
film producer, writer, family man and character
much-loved by the world’s audiences, has
an energy that seemingly knows no bounds –
and which is certainly in fairly stark contrast
to the pale faces we saw around at the end of
the day’s filming - boy actor Spud (17-year-old
Troye Sivan) and the crew (mostly in their 30s)
seemed weary and longing for their beds. (Experience
and the maturity of years sometimes
comes with a stamina which the young do not
possess.)
His enthusiasm is infectious as he plants himself
on a sofa to be photographed with our family
before being borne off to the Mount Nelson
Hotel where he was staying.
8
And when the photographer says ‘smile’, he
throws his head back and roars loudly with
fake hilarity – just the sort of thing he’d have
done in Fawlty Towers - so we have no option
but to pack up with genuine laughter, surly
teenagers included!
Maintaining a sense of humour and laughing
often has been proved, in numerous recent
research studies on the elderly, to keep people
‘young’, and healthier than their more serious
counterparts. Could it be that Cleese’s ‘profession’
as a humourist and comedian is what
has enlivened him so? His sharp wit and ‘clips’
from his films and radio shows are legendary,
and quoted the world over. He is unashamed in
what he says, open, self-critical and delightfully
politically incorrect, which is refreshing in an
increasingly prissy world!
We watch the filming on screens that are dotted
around the house and what is immediately
striking is, obviously, first and foremost,
Cleese’s smooth and elegant acting, clearly the
result of his many highly successful years in
front of the cameras, an act seemingly so effortless
though surely belying the hard work it requires
to get into the character of the grumpy,
humorous yet sensitive English master.
What is also very clear is his on- and off-screen
communication with ‘Spud’. They have become
good friends, the young boy and the experienced
and famous actor, and it is clear that
Troye admires Cleese enormously, has learnt
much from him and soaks up his energy. Having
worked with such a competent actor will
have a lasting effect on the boy’s acting career.
In the film they have a charming, easy relationship,
though he is the master and Spud the boy
www.saarp.net

– ‘Guv’ guides the young scholar but
also relates to him on a different level
and Spud becomes the confidante for
this master who has his own personal
troubles with, for example, the
headmaster and his wife, and openly
demonstrates his weaknesses and fallibility.
So a clear symbiosis exists - the mutual
need of one for the other: here
at work is art mirroring life, where
the older generation mentors and
guides the younger, yet gains emotional
sustenance from the youth who
are a support to them in their ageing
and the attendant problems this
phase of life carries. It is always so
deeply comforting to observe a member
of the older generation guide a
youngster and pass on the wisdom
they have gathered from their experience
and years. Far be it a ‘winding down’ for
seniors at this stage of life – it should be viewed
as a crucial stage of man’s existence, to be able
to pass on the skills and wisdom the years have
taught us.
Interestingly, a new and highly successful
programme has been set up in England where
‘grannies’ mentor young people who have had
difficulties. It is found that the input of the older
generation is invaluable in assisting youngsters
who have not had support from their
families to benefit from the advice and support
of a wiser, older person.
The news hot off the press is that not only
is Cleese unwilling to slow down his career
(though there are other reasons for his still
working) but his personal life gallops on unrelenting
too: he has recently married for the
fourth time, to 41-year-old Jennifer Wade.
Cleese is quite clearly an unashamed romantic
– something that has brought him joy
and heartache in equal measure. His life has
certainly not been plain-sailing: as a boy he
was bullied due to height (which set him on
his path as a comedian – he found that being
funny deflected the bullying), he had a difficult
relationship with his self-centred mother, and
has felt the pain of three divorces.
In the photo: From left to right, back: Caroline,
Raffaella and Guilietta Bateman with John Cleese
(left) and Philip Bateman sitting on the couch in
front.
His third wife sued him for (the press says) £20
million, and he is required to work for years to
pay it off. One way of doing this was his hilarious
‘Alimony Tour’, as he dubbed it, which was
necessary to fund this rather expensive divorce.
This immortal and razor-sharp comment is
typical of his humour: “It’s very easy for me
to portray a businessman,” he once said, during
the making of a set of videos, “being bland,
rather cruel and incompetent comes naturally
to me.”
Witty, insouciant, outrageous, he quite clearly
scorns political correctness, as comedians
generally do, feeling quite comfortable enough
with who he is and what he has achieved to not
worry about repercussions.
Here is a man who has cocked a snoot at the
conventional notion of ageing too. John Cleese
is still an open romantic - he is tall and elegant
and sprightly and charming, he has a commanding
presence, is openly kind and compassionate.
And he is very, very funny!
saarp@iafrica.com 9

How to slash water costs
by Philip Bateman
Smart living tips to save you money – day after
day.
Dave and Jenny Wilshaw are pensioners living
in a modest suburb of Cape Town. Their pension
is just about adequate to keep them going with a
few luxuries like the odd restaurant outing now
and again.
But a few months ago they noticed their water
costs were creeping up. In fact so much so that
they started having to forgo their ‘treats’ such as
mini-holidays and even the cinema. “The situation
was desperate, especially as we couldn’t work
out what was happening,” admits Jenny. “We unfairly
blamed the char and we cursed the Council,
even having the water meter checked out. In the
end, however, we had to admit that we were becoming
increasingly careless.”
After consulting the Web, especially the Cape
Town City Council website, they found a host of
tips on how to reduce their water costs. “They
worked so well that we saved some R500 a month
– just by changing our lifestyle,” says a delighted
Dave.
Here are some of the many lifestyle changes
they made to slash their water costs:
• If you wash dishes by hand don’t allow the
water to run while rinsing. Simply fill one sink
with washing water and the other with rinsing
water.
• Carefully position your garden sprinklers so
that the water goes straight onto plants and
not walkways.
• Don’t do mini-washes in your washing machine.
Wait until the machine is packed full.
You’ll save a fortune in unnecessary water
usage.
• Have your plumber check your house for
leaks. They’ll do this by switching off all the
taps in the house then checking to see if the
water meter is still running. It’s a once-off
small cost compared to the price of water lost
10
due to a leak. Or do your own test to see if
you perhaps have underground water leaks.
Turn off all the taps in your home, wait about
30 minutes, then take a meter reading. If your
meter is still clocking up usage with all the
taps off, then you have a leak that must be
attended to. Fix all leaks from dripping taps. A
single dripping tap can lose 60 litres of water
a day.
• Water your lawn in the morning or evening as
this will save water from evaporating and being
wasted, in the heat of the day.
• Spread organic mulch and compost around
plants as this helps preserve water.
• Adjust your lawn mower to a higher setting.
Longer grass retains water better.
• Put food colouring in your toilet tank. If you
see colour in the water in the loo, before flushing,
then you know it’s leaking.
• Install water-efficient showerheads. These can
save you thousands of litres a month.
• Soak pots and pans first rather than use running
water to clean them.
• Turn off the water when brushing your teeth
as this can save 100 litres or more per month.
• When you give your pet fresh water, throw the
old water on to plants rather than down the
drain.
• Plant low-water-use shrubs to save a huge
amount of water a year. Indigenous plants
from the region generally use less water.
• Consider installing an instant water heater
near your sink so you don’t have to run water
while it heats up. This is also very energy efficient.
• Wash your car on the lawn as you’ll be watering
the lawn at the same time.
• If you allow leaves to accumulate around the
base of trees, which is how nature arranges it,
you’ll save water as these reduce evaporation.
www.saarp.net

• Aerate your lawn once a year to allow maximum
water penetration and efficiency.
• Turn off the water while you shave rather
than keep rinsing your razor under a running
tap.
• Consider installing a grey water system which
captures discarded water from basins, baths
and sinks and uses it to water your garden.
• Use a broom instead of a hose when cleaning
pathways.
• Install water-efficient toilet systems. You can
reduce water consumption with each flush by
putting a displacement device or ‘hippo bag’
in your cistern – half a brick might do the job
also.
• Consider replacing your lawn with grass that
requires half the amount of water. Droughtresistant
Buffalo grass or couch grass are
good examples.
• If you have a swimming pool, install a cover.
This can save most of the up to 1cm a day of
water that is lost through evaporation.
• Adjust your gardening watering schedule each
month to match weather conditions.
South Africa is experiencing a water crisis and we
all have a duty to minimise usage.
By following these simple steps – and being aware
of water conservation – you will not only help the
country and preserve its scarce resources, but
you will also save money.
Useful source: Enter ‘Cape Town City Council’
and ‘Smart Living Handbook’ into Google and
you will be able to download a really useful
publication on saving water, electricity and
more.
saarp@iafrica.com 11

12
www.saarp.net

saarp@iafrica.com 13

PlAnnInG for the
inevitable
by Ray Hattingh
“To be reconciled with the inevitable with good
grace is wisdom.” - Rabindranath Tagore
A lifelong friend suddenly took ill, was diagnosed
with a virulent form of cancer and told
that he had six weeks to live. Two weeks before
he died he handed a slip of paper to his sister
and brother-in-law saying, “Here are the work,
home and cell numbers of the undertaker. All
you have to do when I die is phone him. Everything
has been arranged and paid for.”
His considerate example relieved his family of
many burdens at a time when they were grief
stricken.
Knowing that death is inevitable, how prepared
are you? Isn’t it time that you discussed this
with your children? You must have preferences.
For example, do you want to buried or cremated?
Where would you like to be buried or where
do you want your ashes scattered?
If you are one of those who are not churchgoing
believers, you may not want some impersonal
minister, who never knew you, to
mutter inanities in a place you had never been
to. Perhaps you would prefer a small service,
conducted by a friend or a child, to be held in
your, or their, home.
If you would prefer a church service you may
want to prepare detailed instructions on the
type of coffin, the type of service, the prayers,
the hymns, the music or any other readings
you would like. Would you want mourners to
send flowers or make a donation to a charity
of your choice? Whom do you want contacted
when you die? What about your pets? Have you
14
thought of writing your own obituary as a final
message to your friends and family?
If you become ill, do you want to be kept alive
on machines or is this not an option for you?
Another friend, when diagnosed with terminal
cancer said, “You are not doing any chemo or
radiation. If I have pain or nausea, treat those,
that’s all.”
Would you prefer a care-giver to tend to you so
that you can stay on and die in your own home
or would you prefer to move to an institution?
Many people would prefer to stay in their own
homes, even when they need assistance. Home
care-givers are an option.
After all, it is not as though you are planning
for the unexpected. Death, like taxes, is inevitable.
You can relieve your family of many burdens
through thorough forward-planning.
It is very important not to plan this on your
own but to do so with your children. Keep the
conversation light and try to make it a pleasant
experience. Do not lay down the law at the
initial meeting but discuss your ideas and ask
for their input. Perhaps a holiday gathering may
be a good opportunity to commence the discussions.
You could introduce it by sharing an experience
like the one in the opening paragraph
of this article.
It is not easy to give up your independence but
what if failing eyesight makes driving impossible?
Or there is a significant security risk in the
area where you live? What would you like the
children to do if your mind control goes, due
to something like Alzheimer’s? You could reach
a stage where you may not always recognize a
problem; ask your children to be on the lookout
www.saarp.net

for any deterioration in you and
to discuss this frankly and openly
with you.
When you die, your spouse will
need extra social support to cope
with the loss of a life-long partner.
What would you like the children
to do to help?
Make sure that your children, or
a trusted friend or relative, know
where to find the details of your
accounts, investments, shares and
policies as well as your important
documents like birth and marriage
certificates. Make sure that
they also know where your will
is lodged. A word of advice, never
alter it without advising those who
should know.
Make a list of the services that
must be cancelled on your death.
Find out how your children may
respond if you or your wife forms
new relationships after the death
of the other.
Consider making your own funeral
arrangements, and paying
for them in advance, to lighten the
burden on your family.
To ensure that your family and
your doctors know your wishes, write down
who you’d like to:
• make health-care decisions for you when
you can no longer make them.
• what kind of medical treatment you want
and don’t want and
• how you want people to treat you.
In addition, you may consider establishing a
general power of attorney and a living will to
ensure that your wishes are carried out if you
are unable to do so.
Finally, address the inevitable with humour,
love, and compassion towards your children
but with a firmness that says this must be
done.
USEFUL CONTACTS AND |INFORMATION
1. Dying and the law. http://www.hpca.
co.za/pdf/legalbook/Chapter12.pdf
2. Funeral guide is about being prepared..
http://funeralguide.co.za/
saarp@iafrica.com 15

’n Aantal minder
bekende finAnsiële
terme wat pensioen-
trekkers moet verstaan
deur Paul Rosenbrock
Omgekeerde verbande? Lewensannuïteite? Dit
is ’n paar van die groot woorde wat rondgegooi
word.
Hier is jou kans om te wete te kom wat hulle
beteken.
ANNUïTEITSINkOMSTE
Dit is ’n belegging wat inkomste meebring wat
lewenslank of vir ’n spesifieke tydperk gewaarborg
is. Dit stel jou in staat om terug te sit en
te ontspan met die wete dat ’n sekere inkomste
per maand (of per jaar) jou kant toe gaan kom,
maak nie saak wat voorval nie.
Klink soos ’n finansiële hemel, of hoe? Dit is egter
nie so eenvoudig as wat dit klink nie en die
struktuur (die manier waarop dit saamgestel is)
kan baie krities wees as dit gemoedsrus moet
verskaf.
’n Annuïteit kan nie daargestel word sonder die
uitruiling van waarde waardeur die inkomste
onderskryf of gewaarborg word nie. Dit word
gewoonlik verkry deur ’n transaksie wat kontant
(’n belegging) vereis wat belê word met die
16
oog op ’n inkomste op spesifieke voorwaardes
en terme.
Onder hierdie terme en voorwaardes kry mens
gewoonlik die volgende keuses:
• ’n Annuïteit – ’n kontrak waaruit inkomste
op gereelde of kontraktuele tussenposes vir
’n spesifieke tydperk betaal word.
• ’n Lewensanuïteit – ’n Kontraktuele inkomste
wat op gereelde of kontraktuele tussenposes
vir die lewensduur van die kliënt
aan hom oorbetaal word. Dit hou op met die
dood van die kliënt en daar is geen kapitaal
terugbetaalbaar nie.
• ’n Gesamentlike lewensannuïteit – Dit
beteken maar net dat as ek ’n bepaalde
bedrag belê het, ’n maatskappy (gewoonlik
’n lewensversekeringsmaatskappy) waarborg
dat hulle die ooreengekome inkomste
met tussenposes sal betaal solank ek of my
egmaat lewe. Dit hou op wanneer die laaste
egmaat te sterwe kom en geen kapitaal is
terugbetaalbaar nie. Dit word ook soms ’n
lewensannuïteit genoem.
• ’n Toenemende lewensannuïteit – Die inkomste
sal van tyd tot tyd met ’n bedrag
www.saarp.net

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for transactions you use. Pay no monthly management fee and get a host of free or discounted transactions when
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provider in terms of the National Credit Act (NCR Reg No NCRCP16).
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NET#WORK BBDO 8014625
saarp@iafrica.com 17

18
of ’n persentasie opwaarts aangepas word
soos onderling ooreengekom. Dit kan op ’n
enkele of gesamentlike lewensbasis wees en
vir die lewensduur of vir ’n termyn waaroor
ooreengekom word.
• Aftree-annuïteit – ’n Kontraktuele bydrae
wat uiteindelik voordele voorsien wat net betaalbaar
is wanneer jy die ouderdom van 55
jaar bereik. Die ooreenkoms word gewoonlik
aangegaan op ’n baie vroeër ouderdom wanneer
die kliënt nog werk. Daar is voordele
soos belastingaftrekbaarheid van bepaalde
vlakke van bydraes en van die opbrengs
wanneer die polis begin uitkeer. Natuurlik
verander die reëls en die bedrae van die belastingvrystelling
soos wetgewing van tyd tot
tyd voorskryf. Daar is ook ’n maandelikse
(of jaarlikse) betaling wat by aftrede gewaarborg
word gebaseer op die annuïteitstariewe
ten tye van die uitbetaling.
OMGEkEERDE VERbANDE (ook meer korrek
bekend as Waardevrystelling)
Hierdie term verwys na ’n spesiale kontrak wat
met ’n vaste eiendom in verband staan. Geld
word deur ’n finansiële maatskappy beskikbaar
gemaak op grond van ’n verband wat op
die eiendom geregistreer word wat as die eerste
woonhuis van die aansoeker en sy egmaat dien.
Die gedagte is redelik nuut in Suid-Afrika,
hoewel dit al lank oorsee gebruik word.
Dit is nie terugbetaalbaar nie tot met die dood
van die langslewende. Dan word dit uitbetaal
(met al die opgehoopte rente tot die finale dag
van uitbetaling). Daar is ’n aantal belangrike
faktore wat oorweeg moet word voordat hierdie
finansiële instrument gebruik word, en
ons beveel aan dat dit net oorweeg word na ’n
omvattende finansiële ontleding deur iemand
wat behoorlik gekwalifiseer is om sulke advies
te gee.
Die bedrag wat vir die aansoeker beskikbaar
gestel word, word deur ’n aantal faktore beïnvloed,
ouderdom onder andere. (Die statistiese
lewensverwagting van die eienaar speel ’n
belangrike rol.) Meer inligting is beskikbaar by:
www.saherpa.org.za.
HUISOMkERING
Dit is nie baie bekend in Suid-Afrika nie en
daar is baie min verskaffers van hierdie instrument
in ons land. Die beginsel van hierdie
kontrak berus daarop om die eiendom in twee
dele te verdeel:
1. Die blote eiendomsreg. Dit verwys na die
geregistreerde eienaarskap en die persoon of
organisasie wat in die amptelike dokumente
as die eienaar van die eiendom verskyn. Dit
vertoon ook ’n verswaring wat teen die eiendom
geregistreer is en wat as
2. Die vruggebruik bekend staan. Dit is die
reg op die vrug van die eiendom, met ander
woorde die reg om die eiendom te bewoon
of aan iemand anders te verhuur en die
huurinkomste te ontvang solank die ontvanger
leef.
Die belangrikste verskil tussen die kontrakte
vir huisomkering en waardevrystelling is die
feit dat die eienaarskap van die eiendom by
huisomkering dadelik na die finansier oorgaan,
terwyl daar by waardevrystelling geen verandering
van eienaarskap is nie.
Dit is ook ’n produk wat eers na betroubare en
kundige finansiële advies deur ’n toepaslik gekwalifiseerde
raadgewer gebruik moet word.
TRUST
Daar is twee hooftipes van trusts waarna gewoonlik
verwys word as hierdie finansiële instrumente
bespreek word:
1. Mortis Causa – As gevolg van dood. Dit verwys
gewoonlik na ’n trust wat geskep word
as gevolg van die dood van die erflater (die
persoon wat die trust gestruktureer het).
Dit word gewoonlik gebruik as deel van die
beplanningsgereedskap om mense in staat
te stel om hulle wense te laat uitvoer nadat
hulle dood is, en om aanwysings daar te stel
om met bates en erfgename te handel.
2. Inter Vivos – Gedurende die lewe. Hierdie
soort trust word gebruik om ’n entiteit daar
te stel wat nie sterflik is nie en as ’n voertuig
gebruik word vir ’n hele aantal redes soos
www.saarp.net

die vermindering van belastingpligtigheid
by afsterwe, om bates binne ’n beheerbare
wetlike afsonderlike regspersoon uit te bou,
of om ’n voertuig te skep wat ’n sake-onderneming
in staat sal stel om na die dood van
die trustee voort te gaan om ongehinderd
sake te doen, en so meer.
Weer eens, daar moenie ligtelik met hierdie instrumente
omgegaan word nie en dit moet net
in samewerking met toepaslik gekwalifiseerde
finansiële beplanners gebruik word. Niemand
het kennis oor alles nie, en ons gaan ook nie
tandarts toe om ’n blindederm te laat verwyder
nie. Ons wil die beste persoon vir die spesifieke
taak hê, en dit geld ook wanneer ons vir die res
van ons lewe beplan. ’n Stuk beplanning deur
iemand van die straat af sal net nie werk nie!
bRUIkbARE bRON
Jy en jou regte. http://www.legalcity.net/
Index.cfm?fuseaction=rights.home
saarp@iafrica.com 19

www.cadizstreet.co.za
20
How well do you
your rand?
The cost of living has significantly increased in the last decade, posing a greater challenge than before to make ends
meet. Fortunately there are ways to maximise your money – and doing so may be far easier than you think!
Before you dash off to cut back on your budget, consider that you could be saving as you go about your day to day
spending. In fact, you could be getting as much as 5% cash back on your shopping simply by being smart and paying
for your purchases with a SAARP endorsed b-Smart card from Cape Consumers.
For the past 65 years, Cape Consumers has negotiated discounts with retailers and passed these onto b-Smart
cardholders. With the combined purchasing power of some 50 000 loyal cardholders, Cape Consumers has been
able to arrange discounts at more than 5 600 popular retail stores and service providers across South Africa.
These include Shoprite, Checkers, Woolworths, Ackermans, Game, Mediclinic, DionWired and Builders
Warehouse.
In the Western Cape, some additional stores offer up to 5% cash back including selected Spar, Pick
n Pay family stores and Fruit & Veg City stores, as well as PNA, Ranch Meat Centre, Shoerama,
Supa Quick, Tygerberg Animal Hospital and many others.
Every time you shop and pay with a SAARP/b-Smart card, your discounts accumulate.
Together with interest, these are credited to your account as an annual bonus every November,
giving you a welcome financial boost ahead of the festive season.
In 2011, Cape Consumers paid out almost R40 million in cash bonuses to
cardholders. You, too, could enjoy a bonus next year… just by paying for your
purchases with a SAARP/b-Smart card.
The benefits go on…
As a SAARP/b-Smart cardholder, you may apply for personal loans and obtain
budget facilities (after six months’ membership) for payment over a longer term
at competitive rates. You may also use your card to tender payment at selected
petrol stations and pharmacies (no bonus is earned on petrol and pharmacy
purchases).
The card that pays you back
www.saarp.net

Take our quiz!
Complete our fun quiz to find out how well you maximise
your money – and whether you could benefit by obtaining
a SAARP/b-Smart card from Cape Consumers.
When it comes to banking, do you:
A shop around for the cheapest bank charges
B loyally stick to your bank, as service is important
C prefer your SAARP/b-Smart card to any bank card
D visit an ATM – only to draw cash.
When it comes to buying Christmas gifts, you:
A buy as and when there are specials and discounts
B swipe your credit card and deal with the conse-
quences later
C use your annual b-Smart bonus in November to pay
for the extra expenses
D start making gifts six weeks before Christmas and
hope to finish in time.
When seeking medical care, you:
A visit Mediclinic
B visit your doctor to get a referral to a specialist
C visit a pharmacy and buy generic medicine
D conduct research on the internet and self-diagnose.
Your birthday is approaching so you:
A draw up a menu and go shopping. After all, your
guests love your cooking
B book a table for 10 at your favourite restaurant
C order food platters from Checkers. You’re going to
throw a feast and get cash back on your spend!
D book a trip out of town for that day.
Do you regularly save some of your income?
A yes, every month
B only now and then
C I sign up with loyalty schemes and spend wisely
D can anyone really afford to save these days?
When it comes to monthly payments, apart from
service providers I pay:
A nobody else – I don’t have debt
B my credit card balance in full
C my SAARP/b-Smart card balance in full
D the minimum monthly payment on my credit card.
(R1/SMS)
Learn about your money habits
Mostly A’s and C’s: you tend to look after your
money wisely and stretch your rands wherever possible.
While careful about spending, you know when and
where to spend and can save while making the most of
any occasion. When it comes to debt, you are cautious
and manage it well. You are firmly in charge of your
money.
If you are not already a SAARP/b-Smart cardholder,
apply now to get up to 5% cash back on your shopping,
an annual bonus paid in November, specials from
retailers and a wide range of stores which to shop. You
can use your b-Smart card together with other store
loyalty cards, so you can still earn W-Rewards from
Woolworths and Pick n Pay Smart Shopper points from
selected Pick n Pay stores.
Mostly B’s: it is important that you set yourself a
monthly budget and keep to it to ensure you are spending
wisely. Although you may be keeping up with expenses
now, you should put plans in place to manage your
finances into the future.
For starters, ensure that you are swiping the right card
to accumulate an annual bonus. If you aren’t fond of
budgeting, the monthly limit on your SAARP/b-Smart
account will help you stay within your budget. You can
check your balance at any time via SMS or online. You’ll
also love the fact that the silver SAARP/b-Smart card is
widely accepted.
Mostly D’s: sometimes taking a ‘cheaper’ option is not
more cost effective and if you don’t manage your finances
correctly, you may miss out on many of life’s ‘sweet’
occasions. If in debt, make a plan to become debt free as
soon as possible and check whether your decisions are
stretching your rands.
The SAARP/b-Smart card’s discounted monthly
administration fees make it even easier to get up to 5%
cash back. If you prefer not to have credit, the card is also
available as a pre-funded option. Furthermore, using a
card means you won’t need cash to shop and you’ll pay
less in ATM cash withdrawal fees! Get more for your
money - apply for your SAARP/b-Smart card today!
To apply for your SAARP/b-Smart card,
call Cape Consumers on 021 409 7600 or
SMS “SAARP”, followed by your area, to 32005
www.capeconsumers.co.za “LIKE” us on Facebook
saarp@iafrica.com 21

SAARP on-line
by Desi Doran
SAARP’s online presence consists of the
SAARP website, the SAARP forum, and our
Facebook page.
SAARP website
Our website has proved successful and many
new members are now joining via the website,
using the online forms. A total of 1 655 people
have filled in online membership forms this
year alone.
In the last two months, we have had problems
with the servers on which the SAARP website
was hosted. The old servers were failing, and
the website had to be moved to new servers.
This hampered our efforts to keep information
updated and fresh, but with the website now
on new, faster servers, you can once again look
forward fresh and interesting content on the
website.
22
The website address is now www.saarp.net –
although www.saarp.co.za will still lead you to
the same place, as we have redirected this to
the new servers. You should, however, change
your bookmarked site to www.saarp.net
We welcome feedback and suggestions from our
members. If you have a suggestion for the website,
or a contribution to make, please drop us
an e-mail at news@saarp.co.za We may not be
able to accommodate all suggestions and contributions,
but we will try to use what we can.
The thinking behind the website
The SAARP website was designed and is maintained
by me and my philosophy on websites
is simple: keep things as clean and simple as
possible. Given that our audience consists
of people over 50, one needs to consider that
many are not technologically inclined, and that
many still have dial-up internet connections,
www.saarp.net

my philosophy works particularly well in this
case.
The website aims to be clean, clear and easy
to make your way around, while still offering a
lot of information. Things we take into account
are:
• Legibility – dark text on a white background,
font size and the use of colour;
• Images - kept to a minimum to keep the
website small in size;
• Navigation - nothing is more than one click
away from the home page.
Technology changes on a daily basis, and the
website is a constant work in progress. The fact
that something works today does not mean that
it will still work tomorrow. This old dog often
has to learn new tricks!
Behind the
scenes
DESI DORAN is the person behind the
scenes who looks after SAARP’s website, forum,
Facebook and the distribution of Ray’s
and Julie’s monthly electronic newsletters.
Desi’s runs her own one-woman company,
Walrus Media, and you may have received
an e-mail from Walrus Media if you have
enquired about the website or newsletter for
some reason.
Desi’s marketing and communication experience
is truly varied: she has worked in
financial services, plastics, nuclear power,
HIV/AIDS, homewares, travel, nature conservation
and retail. Desi had more than 20
years’ experience in large corporates before
deciding to ‘do her own thing’ and work from
home.
“I love working with SAARP and the SAARP
members. Although I am just a little young to
actually be a SAARP member, the first time I
touched a computer was at university.
Statistics
Stats provided by Google Analytics reveal this
for our website (based on figures for 1 January
2012 to 31 August 2012):
Visits: 12 222
Unique Visitors: 8 284
Pageviews: 44 880
Pages / Visit: 3.67
Avg. Visit Duration: 00:05:34
This is an average of 1 527 visitors per month,
who spend average of 05:34 minutes on the
website.
“Today, youngsters are using computers
at the age of two. I have largely learnt
to control this technology beast (although I
still cannot program the DSTV recorder!), and
now I really enjoy the challenge of trying to
make the website and electronic communication
easy to use, enjoyable, and informative
for the SAARP members.
“I would love to see more SAARP members
and clubs sending us comments and questions,
and getting involved in discussions on
the forum.
“The biggest challenge is reaching those
SAARP members who are not on e-mail or the
Internet. The cost of printed communication
means that we are not able to communicate
with these members frequently. I would love
to see all our SAARP members with access to
the internet and e-mail, so that they can also
join the ‘online SAARP community’ and get
talking to us!”
saarp@iafrica.com 23

Creating your own home office
by Philip Bateman
Retirement opens a great opportunity for you to
earn income through establishing an office in your
house – but make sure you are up to date with
digital technology.
barbara Castelain, 63, was a busy Johannesburg
PA until two years ago. When her firm got
into financial difficulties, they offered her early
retirement and she now heads her own minicorporation,
working from home. “I’ve never
looked back,” she says. “It gives me reasonable
income – including regular work from my former
employer - and I am able to order my own
life.”
Barbara is one of hundreds of thousands of
South Africans – many of them so-called ‘retired’
- who have discovered how pleasurable
and profitable it is to work from home.
Here are some tips on how to make this
work:
kEEP RECORDS. The tax authorities fully
recognise that people working from home engender
legitimate expenses in the production of
income. To make this work you need to keep
meticulous records of everything businessrelated
- including stationery, computer expenses,
phone bills motor vehicle costs, postage
and so on. “The trick is to ensure that the
items you claim are used 100% for business,”
explains Cape Town accountant, John Bakerson.
“If you have a shared expense – say a
car – then you must apportion a percentage for
business. Fairness is the rule of the game.” At
the end of the tax year, you will make a consolidated
account showing these expenses and will
be able to deduct them against your income. Of
course it’s best to do this on computer rather
than have paper records which can be lost.
bUY A SMARTPHONE. Clients today expect
you to be on call – at nights, at weekends – and
a great way to do this is by using a smart-
24
phone, which enables you to look at emails on
your phone and be in touch 24/7.
bEHAVE AS IF YOU WERE AT THE OFFICE.
It’s tempting to work while you’re in pyjamas
and to adopt a more leisurely attitude. “Don’t
do this,” advises Castelain. “By doing so you
lower your standards and change your mindset.
You should employ the same disciplines
as if you were going to work – being smartly
dressed and working regular hours. Otherwise
your two lives blend into one, and you become
less effective as a consultant to be respected.”
SET ASIDE A DESIGNATED WORk SPACE.
A home office should be no different to a work
space in a business. You need a comfortable
chair, a large desk, a dedicated telephone, and
probably an additional work table on which you
can spread out and sort papers, a computer,
printer and WI-FI connectivity. You will also
need to having a working Skype connection to
enable you to take part in remote meetings as
well. Don’t forget to set up a laptop which you
can take to clients’ premises as necessary. Remember,
portability and flexibility are the keys
to running a home office.
TAkE bREAkS. In an office situation, your
day is punctuated by interaction with other
workers, tea breaks, meetings and the like.
While working from home, you should get off
your chair at least once or twice an hour, walk
around, stretch and break the tedium.
SET bOUNDARIES. One of the problems with
working from home is that people somehow
don’t recognise you’re actually working. So
friends will drop in for tea or ask favours such
as helping with lift clubs. You have to steel
yourself to be able to say that you have certain
www.saarp.net

working hours and can’t be interrupted during
these.
E-MAIL. Much of your client interaction will be
through email. Make sure you have
a proper ‘logo’ and letter-heading that looks
professional – and don’t be tempted to toss off
quick emails that don’t have this heading. This
is your business ‘face’ and you need to be constantly
alert as to you image. Obviously items
like business cards should be professionally designed
and reflect your image.
WEbPAGE. It almost goes without saying
that you will need a webpage. This can be set
up for a R1 500 or so, providing you don’t do
something too fancy. A typical web site would
contain this information: who you are, what
you do, why you are different (and better!) than
others in the same field, the benefits of using
you, what you’ve done for others, case histories,
testimonials and a contact page. If you’re
brave, you can buy a programme such as
Dreamweaver and do it yourself.
bACkUP. Whatever you do, you must ensure
that your computer data is protected at all
times. This means not only having the appropriate
security system in place, such as a
password-protected network, but also ensuring
that you have daily and monthly backups in
case your system goes down.
MEETINGS. It is inevitable that you will have
meetings in your home. If you have a diningroom,
this provides a quick solution for a meeting
space. Before clients come though, take
out any signs of domestic use this will create a
more professional atmosphere. “A Wi-Fi connection
is terribly important for meetings to
take place efficiently,” says Castelain. “Clients
usually come to me armed with laptops and expect
to be able to go online – even print – while
they are having meetings with me at home.”
FILING. One thing you’ll find is that a home
office generates vast quantities of paperwork.
Keep as many computer records as possible
rather than get too bogged down with paperwork.
A good system is to only keep papers
near you that relate to current jobs, says
Castelain. “My solution is to file all tax documents
on computer, by tax year, and also store
client files or job bags in large stackable plastic
storage boxes in the garage so that I can access
them when necessary. Each box has a large
numbered label on the side, so I can easily
identify it where necessary. Otherwise you will
simply drown under files and papers.”
RATES. “One of the problems with working for
yourself is that clients often come to you with
sob stories about low budgets and so on,” says
Peter Christiaan, a Cape Town based consultant.
“One is tempted to do favours for friends
but it’s not good business practice. To avoid
this, set up a standard charge sheet - charging
by hour, project or whatever and a set of
terms and conditions that contains things like
bills must be paid on demand and so on. Then,
armed with this, you can offer friends or small
businesses a ‘discount’ on your standard rate
where necessary. But don’t start too low because
you won’t be able to negotiate upwards
later. You will need to cost into your charges
things like time off for illness, meetings, administration
time and so on. In effect, at the end of
the day, you’ll find that you are unlikely to be
able to bill out for more than three hours a day
because of all the other things that go into running
a business that sap time.”
A recent survey found that about half of South
Africa’s workforce spend a large part of their
working day away from the office. The survey
was commissioned by flexible workspace provider
Regus, who found that such a working
style produced less stress, avoided time-wasting
commutes and even reduced their carbon
footprint.
Those who have made this break swear that it’s
the only way to go. “It particularly suits retired
people who still have the necessary skills, enthusiasm
and aptitude – but who would not be
able to enter the formal work force,” says Ray
Hattingh, Director of SAARP.
saarp@iafrica.com 25

SleeP tips for older people
by Philip Bateman
Use these simple techniques to ensure you get a
good night’s sleep.
Some recent US studies found several disturbing
facts:
• More than half of elderly people living in
their own homes were suffering from sleep
disorders.
• Two-thirds of elderly people living in institutions
were experiencing sleep problems.
“Unfortunately so many of these go untreated
as the sufferers do not recognise that something
is wrong, and the problem is compounded
by the myth that older people require substantially
less sleep,” says a prominent Cape Town
physician. “It’s far more complicated than that
and an older person might require as little as
20 minutes less than a middle-aged person –
but that’s about it. A good night’s rest is essential
for anyone, at any age.”
Luckily many of the solutions are not complicated
and do not involve medication or hospitalisation.
Here are some tips for getting a good
night’s sleep.
Keep it dark
Try to stabilise your sleeping conditions, especially
as far as light is concerned. Don’t vary
your waking hours as it confuses the body
clock – keep a constant dark environment, say
the experts. When you wake up, light is picked
up by your eyes which sends a signal to your
brain. This, in turn, releases hormones that
prepare you for action. One good way to trick
your brain into night mode, is to have heavy
light-excluding curtains (or linings) in your
bedroom so you don’t wake earlier in summer
because your room is light.
Try to create an atmosphere of total darkness.
26
Don’t leave your computer monitor on and
switch off your cellphone. Night lights are bad
for sleep. Even rotate your beside radio dial
away from you to keep the light away. Experts
say that any light inhibits the secretion of
melatonin – the sleep-regulating hormone.
Watch your night diet
Avoid coffee, tea and caffeine cool drinks before
bedtime. Caffeine, in particular, blocks the
production of adenosine – a brain substance
that promotes sleep. You should also cut back
on evening alcohol. Even though alcohol is regarded
as a relaxant, it does in does not assist
you gain deep restorative sleep, in fact quite the
opposite.
A great tip comes from Australian researchers
who found that eating a high-carbohydrate diet
four hours before bedtime can halve the time it
takes you to fall asleep.
Milk is a key sleep aider as it contains tryptophan
which makes you feel sleepy. A tip is to
stir in some honey or have it with a biscuit, as
the body requires carbohydrates to process the
tryptophan effectively.
buy a proper mattress
This is one of the key ingredients for sleep but
so many people make bad decisions in this
respect, often duped by salesmen who throw
around technical terms. Take your time to
choose and try out as many beds as you can,
remember even after you’ve received the mattress
and tried it at home, you may still be
entitled to return it if it doesn’t do the job it’s
meant to do. A final refinement for a mattress
is a foam rubber overlay which you can buy
at shops who supply hospital and home care
equipment. It looks like an egg box and the
numerous foam supports provide extra comfort.
www.saarp.net

QuatroFlora
KEEPS THE COLON HEALTHY
Gastro-intestinal problems affect all of us at some time or
another. Diarrhea, constipation, bloating and the like are often
caused by over-indulgence or eating something that doesn’t
agree with us, and quickly clear up of their own accord.
Distressing and unpleasant conditions such as these
can however become chronic – and that can be caused by
a bacterial imbalance in the intestines.
A normal healthy gastro-intestinal tract contains approximately
1.5kg bacteria and other micro-organisms. Factors
such as disease, increasing age, treatment with some
medications, and colon cleansing for colonoscopy or certain
radiological procedures to detect polyps, greatly reduce this
number of micro-flora.
Some groups of bacteria can cause acute or chronic
illness, but another group of bacteria offers protective and
nutritive properties. Imbalances between the two can lead
to a number of unpleasant conditions such as diarrhea,
constipation, bloating, IBS, allergies, poor digestion and
poor nutrient absorption. In laboratory investigations,
some strains of of LAB (Lactobacillus bulgaricus) have
demonstrated anti-mutagenic effects thought to be due
to their ability to bind with heterocyclic amines, which are
carcinogenic substances formed in burnt red meat.
Beta Pharmaceutical 041 - 378 1189
The two most important groups of friendly intestinal flora,
or probiotics, are Lactobacilli – found mainly in the small
intestine, and Bifidobacteria – found mainly in the colon.
Probiotics are live micro-organisms which, when consumed
in adequate amounts, have strong health benefits.
❖ Beneficial bacteria in the gut are known to:
• Prevent and stop diarrhea or constipation
• Aid digestion and break down toxins
• Produce vitamins B12 and K
• Stimulate the immune system
QuatroFlora capsules contain the following strains of probiotic
bacteria for improving gastro-intestinal health and well-being:
Bifidobacterium, BB-12 ® , Lactobacillus acidophilus, LA-5 ® ,
Lactobacillus bulgaricus, LBY-27, Streptococcus thermophilus, STY-31
This product is not intended to diagnose, cure or prevent any disease.
Clinical documentation available on request.
saarp@iafrica.com 27

Start a bedtime routine
A US survey showed that 60% of
housewives were working right
up to the moment they climbed
into bed. If you can somehow
relax – perhaps with a drink of
milk, watching some TV perhaps
as this sends signals to
the brain to wind down and you
will probably fall asleep immediately.
Don’t harbour worries
Many people are bad sleepers
because they are constantly
fretting about things that have
not been done. This releases
stress hormones. Experts advise
you to clear your mind before
you go to bed, easier said than
done, of course, but relaxation
methods such as meditation or
yoga can help.
Also, research shows that if you
really have work to do, it’s better
to go to bed at the normal time
and rise early in the morning to
accomplish it, rather than work
late into the night. Somehow
the brain works better immediately
after a good night’s sleep.
Research is unclear about
whether the hours before midnight
are really better for you, but many in the
know say these hours are crucial and count for
far more than the hours you may attempt to
catch up by rising later in the morning. Quality
sleep should begin before midnight to help
preserve heart health, according to a Japanese
study which was presented at the 2009 American
College of Cardiology conference. The study
found that men who went to bed before midnight
had significantly less arterial stiffening,
an early sign of atherosclerosis, than men who
went to bed after midnight.
Have a siesta
Research has shown that a 20-plus minute af
28
ternoon nap can provide huge benefits. A short
sleep between 1pm and 4pm will give you more
energy, boost your performance and reduce
your sleep debt. Best of all, it doesn’t make you
any less sleepy at night, so does not disturb
your nocturnal sleep pattern.
These are just some of the many techniques
you can use to boost your life. “The more you
are aware of these the better,” states an expert.
“By bringing these into your life, you’ll enjoy a
better health, improved mental ability and derive
more pleasure out of living.”
Read more: http://www.livestrong.com/
article/70927-sleep-hours/#ixzz220jfzyew
www.saarp.net

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saarp@iafrica.com 29

The HeAlING power of flowers
by Caroline Bateman
There is blooming good news for the elderly,
and it is perfuming the air right under our noses!
Fresh flowers are the ultimate healers for our
senior citizens, new research has shown, proving
what we instinctively knew: a simple bunch
of flowers can work miracles and has emotional
benefits with far-reaching effects.
Since early times humans have been drawn to
the intangible yet joy-inducing power of flowers
and relied on them for feelings of well-being and
even to cure ‘melancholia’, and it is certainly not
for the first time mankind has proved that flowers
not only lift the mood but offer a myriad of
other health benefits too.
Mankind has for centuries harvested flowers, in
some cases for their physical healing properties
when processed, but also to give as gifts for celebrations,
symbols of love and tokens of sympathy,
and using them to enhance religious sentiments
(in some religions they are even considered
the direct route for spiritual communication).
Studies on flowers are not new either: a wellknown
18th century study conducted on labourers
on a farm showed that those working with the
flowers were happier and healthier than those
working in stables, the kitchen or the fields.
Proof of our faith in flowers abound. Roses were
gathered by Arab physicians and European
healers as early as the Middle Ages to ‘alleviate
melancholy and cure hopelessness’. And during
the 1600s John Evelyn, English writer and
avid gardener, wrote about lemon balm flowers
as a spirit-lifting tonic and lemon verbena flowers
appeared in European healers’ kits in the
late 1700s specifically to soothe nervousness and
ease depression.
The art (or science) of gathering flowers and
plants, making essences, teas and tinctures and
using them for medicinal purposes to cure a multitude
of ailments is well-documented. Nature’s
apothecary is vast and well-stocked and its patients
will emerge healed or at least healthier and
stronger for their visit, but it is not necessary to
head for the health shop in order to benefit from
God’s bounty.
30
The stresses of modern living weigh heavily on
all of us, and particularly on the older generation.
Common complaints during older age include
feelings of depression, regret, hopelessness,
social withdrawal memory loss and, of course, a
myriad of physical ills (which are often exacerbated
by emotional lows). The excellent news is that
you can merely pluck or choose a bunch of flowers
and feel the enormous emotional and mental
benefits immediately.
Jeannette Haviland-Jones, researcher at Rutgers,
the State University of New Jersey, conducted
a six-month study on the positive effects fresh
flowers had on a group of senior citizens. In the
group of 100 seniors who participated in the
study, some received flowers and others did not.
The participants who were given flowers showed
a significant lifting of mood and increased levels
of happiness while their flowers were present. An
astonishing 81% of the participants reported a
great reduction in feelings of depression.
Simple memory tasks were given to all the participants
and those who had been given flowers
performed better in these tests and experienced
enriched personal memories compared with the
control group, with 72% of them scoring very
highly on the tests. Memory recall for recent
events was enhanced in the presence of flowers.
Finally, the research found that the seniors who
received flowers began to re-engage with members
of their communities and widened their
social network by including more neighbours, religious
contacts and even medical personnel, and
their communion with close relatives improved,
indicating the importance of flowers as ‘helpers’
in broadening elderly folks’ social lives.
The wider implications which obviously cannot
be measured specifically are that happier, less
depressed people have fewer health problems and
live longer, more contented lives.
Other interesting research has shown that in the
presence of flowers we communicate better with
each other, we eat more slowly when flowers are
www.saarp.net

“Flowers have spoken to me
more than I can tell in written
words. They are the hieroglyphics
of angels, loved by all men for the
beauty of their character, though
few can decipher even fragments
of their meaning.” Lydia M Child
on the table (which is good for dieting, digestion
and the social aspect of sharing a meal). Flowers
also enhance self-esteem and reduce mental
and emotional fatigue. Another side-benefit is
that certain potted plants as well as their growing
mix remove various air-pollutants from the
room, as well as reducing some effects of dry air
(for example sinus or lung troubles) by increasing
humidity.
Apart from the mood-enhancing effects of flowers,
particular feelings of compassion and kindness
towards others have been noted in a study
by Dr Nancy Etcoff of Massachusetts General
Hospital and Harvard Medical School. She surrounded
a group of people with flowers for a week
and noted the long-term effect. As in the abovementioned
study, she discovered that people
across all age groups were visibly uplifted and
had more contact with family and friends after
the tests than they had had before. “Flowers are
a perfect pick-me-up for ‘non-morning’ people
– a small bouquet set out in the kitchen, or
where everyone eats breakfast, boosts energy for
the whole day. What I find interesting is that by
starting the day in a more positive mood, you are
likely to transfer those happier feelings to others.
It’s what’s called mood contagion,” says Etoff.
Interestingly, flowers in the home have a carryover
effect in the work-place too: people are happier
and more enthusiastic at work if they have
had flowers out at home, and have more energy
for their work.
“A flowerless room is a soulless room, to my way
of thinking; but even a solitary little vase of one
living flower may redeem it,” Vita Sackville-West
once said. So take note of all the positive scientific
research - go out, gather yourself some flowers,
set them out, and appreciate the joy and
healing they will most certainly bring to you!
saarp@iafrica.com 31

Mites en foute wat by
NOODHUlP vermy moet word
deur Philip Bateman
Wanneer het jy laas ’n kursus in noodhulp
deurloop? Was dit dalk 20, 40 of selfs 50 jaar
gelede? Is jy toegerus om ’n slagoffer te behandel
of gaan jy meer skade berokken?
“Dinge het geweldig verander van 50 jaar
gelede af en sommige van die ou metodes kan
herstel belemmer of selfs noodlottig wees,” sê
’n vooraanstaande Kaapstadse medikus. “Ons
beveel aan dat almal ’n kursus oor noodhulp
loop en die jongste metodes leer ken. Na alles
kan jy dalk ’n lewe red.”
Hier is ’n paar van die ou mites, gevolg deur
die jongste aanbevole metodes.
MITE 1.
Behandel
neusbloei
deur die
kop agteroor
te
hou.
Nee, buig
die slagoffer
se kop
vooroor en
nie agteroor
nie en sê
hom aan om
liggies druk op die sagte deel van die neus uit
te oefen. Dit bevorder stolling. Hou die pasiënt
dop en as die neus na tien minute nog nie
opgehou het met bloei nie, moet mediese hulp
ingeroep word. Sommige mense is bloeiers en
hulle kan probleme ontwikkel as die bloeding
nie gestop word nie.
32
MITE 2. Smeer botter aan brandwonde.
Dit is duidelik ’n gevaarlike gebruik. Olie bevorder
hitte en jy gooi in werklikheid olie op die
vuur. Botter kleef aan die aangetaste dele, verhinder
dat suurstof die wond bereik en dit kan
ontsteking veroorsaak. Gooi skoon varswater
oor die wond en kry die pasiënt by ’n dokter.
MITE 3. As ’n kind ’n skoonmaakmiddel
inkry, ’n bleikmiddel of iets soortgelyk,
laat hom braak.
Moenie! As die vloeistof bytend is, mag dit
brandwonde op pad af veroorsaak het – en dit
sal herhaal word op pad op. Behoorlike mediese
versorging is noodsaaklik en die maag moet
uitgepomp word of ’n neutraliserende vloeistof
moet ingegee word. Jy kan klein hoeveelhede
melk gee om verligting te bring of die bytmiddel
te neutraliseer voordat mediese hulp beskikbaar
is.
MITE 4. Plaas ’n lepel in iemand se mond
wat ’n toeval kry, want dit sal keer dat hy
sy tong byt.
Verkeerd, maan die kenners. Dit kan in werklikheid
skadelik wees om ’n vinger of ’n houtlepel
in die mond te druk van iemand wat
byvoorbeeld ’n epileptiese aanval kry. Op hierdie
manier kan jy die tong of tande beskadig
of onwetend die lugweg blokkeer – en jy loop
gevaar om self gebyt te word.Jy moet ten minste
’n kussing of iets soortgelyk onder die persoon
se kop sit om te verhinder dat hy homself
op hierdie manier beseer. As die aanval ’n paar
www.saarp.net

minute langer as gewoonlik duur, kry
hom dan by ’n hospitaal.
MITE 5. Moenie vir ’n diabeet suiker
gee nie, want dit sal hom nog meer
skade berokken.
Daar is twee soorte diabetiese probleme
wat noodhulp nodig maak. Die
eerste is hiperglikemie – dit is wanneer
bloedsuikervlakke te hoog is. Aan die
ander kant is daar hipoglikemie – wanneer
die bloedsuikervlakke te laag is.
Albei se simptome is dieselfde. Die
waarskynlikste is ’n aanval van hipoglikemie
en die behandeling hiervoor is
gewoonlik om vir die pasiënt ’n bietjie
suiker of glukose te gee. In die ander geval
sal die bietjie ekstra suiker waarskynlik geen
kwaad doen nie omdat die bloedsuiker reeds
hoog is en die behandeling daarvoor dieselfde
sal wees.
MITE 6. Suig die gif by ’n slangbyt uit.
Teen die tyd dat jy daar aankom, sal die gif
reeds deur die bloedstroom versprei wees. Die
gif kan jou ook kwaad doen omdat die vel in jou
mondholte baie dun en absorberend is. Probeer
vasstel watter soort slang dit is en kry die
slagoffer so gou moontlik by ’n dokter.
MITE 7. Gebruik hitte by ’n verstuiting, verdraaiing
of breuk.
Verkeerd! Hitte veroorsaak bymomende swelling.
Wend liewers koue aan. Dokters beveel
die RYDO-behandeling aan – rus, ys, druk en
opligting. Jy kan ’n drukverband gebruik om
die besering te verbind. Hitte kan baie later ’n
rol speel.
MITE 8. As iemand verstik, gee hom ’n
bietjie water of droë roosterbrood.
Weer verkeerd! As jy dit doen, kan jy die versperring
vererger en jy sal groter probleme
veroorsaak. Probeer die persoon laat hoes. As
hy nie kan nie, gee hom vyf houe op die rug
tussen die skouerblaaie. As dit nie help nie,
oefen druk op die ingewande uit. Doen dit deur
agter die persoon te staan en plaas ’n gebalde
vuis tussen die naeltjie en die onderste ribbe.
Bring jou ander hand om sy lyf en gryp jou
gebalde vuis vas en trek dan binnetoe en boontoe
met ’n vinnige beweging. As dit ook nie help
nie, kry hom so gou moontlik by mediese sorg.
MITE 9. Moet nooit ’n haartangetjie gebruik
om ’n bysteek te verwyder nie.
Dit maak nie saak wat jy gebruik nie. Moet net
nie druk op die geel gifsakkie uitoefen nie
MITE 10. Gee alkohol aan koue of verkluimde
pasiënte.
Moenie alkohol gee nie. Al veroorsaak dit aanvanklik
’n warm gloed, laat dit jou uiteindelik
meer hitte verloor as wen. Alkohol vergroot die
are. Gee liewers ’n warm drankie, komberse of
bykomende klere.
“Almal behoort ’n nuwe noodhulpkursus te
doen,” beveel die medikus aan. “Tegnieke en
kundighede het oor die jare verander. As jy
iemand met ’n onlangse noodhulpsertifikaat in
jou huis het, sal jy baie beter in staat wees om
’n noodgeval te hanteer.”
bRUIkbARE ADRES
St Johns Ambulance bied dwarsdeur die land
noodhulpkursusse aan.
http://old.stjohn.org.za/copy/about/contactus.
asp
saarp@iafrica.com 33

free outings in
CAPE TOWn
by Philip Bateman
South Africa’s capital city is pure delight – and the beauty is that there’s so much to do without
you having to spend a cent.
Start with the Company’s Gardens, for instance. This was the site of Van Riebeeck’s original vegetable
garden – used to grow food for the Dutch fleet. Relax under the trees and feed the squirrels and
birds. You might even play a game of chess if invited - or simply watch the fun.
Right alongside is the magnificent St George’s Anglican cathedral with its interesting crypt and
soaring choral evensong on Sunday – and right next door to that is another hidden treasure, the
National Library of South Africa. It is the intellectual depository for all South African-related publications
and documents – and they generally have a fascinating exhibition on the go. Entrance is, of
course, free.
Remember that many of Cape Town’s wonderful museums are free on public holidays, so it’s best
to time your visits to these days of you really want to save. Notable museums in Cape Town are the
Holocaust Museum, Slave Lodge, Koopmans De Wet House the Bo-Kaap Museum, Old Town House
(with its magnificent art collection) and the District Six Museum – all reflecting different aspects of
our rich and diverse cultural history. Not forgetting the splendid South African Museum in Gardens
which features a host of interesting material and exhibitions on indigenous people.
Newlands Forest is another great place to visit. There’s plenty of parking and you can stroll along
winding pathways with freshwater streams, lovely tropical-like glades, and every variety of tree.
There have been some muggings there in recent years so it’s best to walk in a group. During summer
there are plenty of joggers, ramblers, dogs and children, so it’s not a bad idea to walk when
there are lots of others around.
Cape Town has the most wonderful shopping centres and the prime place, is, of course, the Victoria
and Alfred Waterfront. Enjoy great window shopping and a host of free entertainment – especially
at weekends including free concerts, jugglers and mime artists. And, of course, the sight of boats
steaming and sailing in and out.
Enjoy stunning open air markets – like the City Bowl Market in Hope Street, and the Neighbourhood
Market at the Biscuit Mill in Woodstock. It’s Cape Town’s very own Covent Garden, and you’ll
enjoy wonderful window shopping and a host of eccentric people selling home-made produce.
Yes, whether you like browsing the Victorian shops in Long Street, or want to simply chill out along
the Sea Point promenade and feed the gulls, there’s plenty to do and see in Cape Town - much of it
absolutely free.
34
www.saarp.net

St George’s Anglican Cathedral
saarp@iafrica.com 35

Claim your SAARP benefits!
At SAARP we continually seek out new opportunities
and benefits so that members get
the most out of their membership. Here are just
some of our current benefits. Make sure you
use them as you could save a great deal!
INSURANCE
• SAARP SHORT TERM INSURANCE POLI-
CIES. Members have saved up to R10 000 a
year on their SAARP policies. Contact Renske
or Beverly at SAARP 021 592 1279 or
renske@saarp.co.za beverley@saarp.co.za
• SAARP FAMILY PROTECTION PLAN. Funeral
insurance at reduced rates. Contact us at
SAARP 021 592 1279 info@saarp.co.za
SHOPPING DISCOUNTS
• GUARANTEED DISCOUNTS. Get up to a
5% annual bonus on all your purchases
with SAARP’s new b-Smart Card. The bonus
is payable in November in time for your
Christmas purchases. Contact us at SAARP
021 592 1279 info@saarp.co.za or Gert du
Plessis at: 021 409 7600 or 083 284 8671
Gert.duPlessis@capeconsumers.co.za
HOLIDAYS AND TRAVEL
• SAARP HOLIDAY CLUB. Get discounted off
peak holidays at amazing prices that can
save thousands. Contact Renske at SAARP
at 021 592 1279 or renske@saarp.co.za
• CAR HIRE. AVIS. This company offers SAA-
RP special rates. Book at any AVIS office but
quote the SAARP Discount number J871801
to qualify for the lower rates.
• CAR HIRE. FIRST CAR. Click on the First
Car Logo on www.saarp.co.za and follow
the instructions. Otherwise contact them
on 0861 178 227 and quote their referral
36
account number of SAA004R and their rate
code of **SAARPH. [** = asterisk, asterisk]
• CAR HIRE - HOLIDAY AUTOS. Contact 0860
100 565. IMPORTANT: Quote your SAARP
membership number.
HEALTH
• SPECSAVERS. Their REVISED 2012 Offer
is valid until December 2012. In order
to qualify for this offer, all members need to
display their SAARP membership cards up
front.
Their Cash & Credit Card Offer is:
• Single Vision package: R606
• Bifocal package: R1 209
• Multifocal package: R1 920
NOTE: NO CLAIM FROM MEDICAL AIDS VIA
SPECSAVERS.
FINANCIAL PLANNING
• FREE WILL SERVICE through Warwick
Trust & Administrative Services (PTY) Ltd
Tel: 0800 50 50 50.
• SIMPLE WILLS AT LONG DISTANCE.
Fully qualified attorney offers simple and
quick solutions for uncomplicated estates.
Contact Piet Matthee on 021 913 4204 by
fax or 021 913 8924 by phone.
SAARP AND GENERAL BENEFITS
• SAARP MEMBERSHIP CARD. This is used
all over South Africa, and the world, to obtain
age-related discounts. It also offers you
a variety of discounts through Mahalas. Ask
us for details or go to the Mahalas website
www.mahalas.co.za and follow the instructions.
www.saarp.net

• BI-ANNUAL BULLETIN. This is published
in April and October. To secure
your copy please donate R30 to SAARP
to cover postage costs. You may pay this
direct to our bank account. Account
name: SAARP. Bank: ABSA Cape Town.
Account No: 4057451765. ABSA univers
a l c o d e f o r e l e c t r o n i c b a n k i n g : 6 3 2 0 0 5 .
In the reference section of the deposit slip,
or the similar section on electronic payments,
please quote your initials, surname
and SAARP membership number, this is
your ID Number. We require PROOF OF
PAYMENT. You may fax, e-mail or mail it
to any of these: Fax: 021 592 1284 e-mail:
info@saarp.co.za P O Box 13222, N1 City,
7463.
• FREE MONTHLY e-NEWSLETTER. If we
have your e-mail address we will send you a
free monthly e-newsletter.
SOCIAL BENEFITS
• SAARP SOCIAL CLUBS. Thousands of our
members enjoy the camaraderie and outings
offered by these clubs. Contact us for details
or go to our website www.saarp.co.za to
find a club in your area.
PLEASE NOTE
• When contacting service providers
directly, be sure to tell them that you
are a SAARP member, in order to qualify
for the benefits.
• If you want to sign up as a member
or want to change your contact
details contact Anne at SAARP on
tel: 021 592 1279.
saarp@iafrica.com 37

Hoe ’n onlangse wet jou teen skELms
EN skELmstrEkE beskerm
deur Philip Bateman
Het jy al ooit iets direk oor die pos bestel en dan
vasgestel dat dit nie presies is wat jy bestel het
nie? Of ’n gebrekkige item teruggeneem winkel
toe en hulle het geweier om dit om te ruil of jou
geld terug te gee? Ken jou regte en jy kan jou geld
terugeis.
Om eerlik te wees: tot ’n paar jaar gelede is baie
verbruikers in Suid-Afrika sleg behandel.
Daar was skelm skemas wat reuse rentekoerse
beloof het en waarin pensioentrekkers al hulle
spaargeld belê het – en dan stort hulle in duie.
Mense het vir motorherstelwerk betaal wat nie
regtig nodig was nie. Mense het in uitkeerpolisse
“belê” en na drie jaar moes hulle vasstel dat hulle
nog steeds ’n “lening” teen die polis afbetaal waarmee
die agent se kommissie betaal is en dat hulle
polis in daardie stadium nog geen waarde gehad
het nie.
Die meeste van ons is al op een van hierdie
maniere gevang – maar vandag kan jy bietjie
ontspan. Die onlangse Verbruikersbeskermingswet
(VBW) gee vir jou groot bedingingsmag en
skelm handelaars mag op die vlug slaan as hulle
die groot hand van geregtigheid op hulle sien
neerdaal.
Die VBW help mense om kontrakte beter te verstaan
omdat dit nou in gewone en verstaanbare
taal opgestel moet word. “Dit gee groot beskerming
aan die kwesbares, veral aan bejaardes,” sê ’n
segsman van die Departement van Handel en Nywerheid
(DHN). “Dit is die mense wat ons probeer
beskerm.”
“Ken en verstaan hierdie wet en by wie jy moet
kla en jy sal selde of ooit in die nag hoef wakker
te lê en wonder of jy jou geld verloor het,” ver-
38
klaar Paul Rosenbrock, direkteur van SAVA, wat
’n kragtige vegter vir ouer mense se regte is. “Bejaardes
in hierdie land het baie meer regte as ooit
tevore, maar hulle is dikwels nie daarvan bewus
nie.”
Hier is ’n aantal belangrike vrae en antwoorde
oor die VBW:
Vraag: Kos dit my iets?
Antwoord: Nee. Die VBW is daargestel om kwesbare
mense te beskerm. Een rede in die verlede
was dat skelm verkoopsmanne maar net kon gesê
het: “Praat met my prokureur,” en dan geweet
het dat die saak nie verder gevoer sou word nie
omdat die slagoffer dikwels nie ’n regsgeding
kon bekostig nie. En ouer mense was dikwels
traag om hof toe te gaan as gevolg van die smart
daaraan verbonde en omdat hulle bang was dat
hulle die koste sou moes betaal as hulle verloor.
Daarom is die VBW ingebring om vir jou regte te
gee en om ’n verhoog daar te stel waar die geskil
bygelê kan word.
Vraag: Dit het waarskynlik net met goedere te
doen, soos klere, toestelle en so meer …
Antwoord: Nee, jy geniet ook beskerming vir dienste.
As ’n elektrisiën na jou huis toe kom en sê
dat jou hele bedrading vervang moet word en later
blyk dit dat die fout net by die uitskopskakelaar
gelê het, en – erger nog – dat die vorige eienaar
die bedrading net twee jaar tevore vervang het,
dan het jy ’n saak dat hy jou geld moet terugbetaal.
Jy het nie nodig om die dienste van ’n prokureur
in te roep nie. Jy kan reguit na die DHN toe
gaan. Ons gee later die adres.
www.saarp.net

Stop struggling to get out of your seat
Swivel
Cushion
Available from
1 2 3
• Makes it easy to swing legs and lower body around
• Flexible – works on fl at surfaces and contoured bucket seats
• Soft & comfortable for long trips
• Ideal for aged, people recovering from injury or with reduced
lower back strength
Contact us at offi ce@abil4u.com
Order on line at www.Abil4U.com or call us on 0861 102075
saarp@iafrica.com 39

Vraag: Watter dokumente het ek nodig om ’n
klagte te lê?
Antwoord: Hou alles – datums waarop jy met die
verskaffer gepraat het, bewysstukke van wat hy
gesê en waarop julle ooreengekom het, fakture,
kwotasies – alles. Jy moet ook aandui dat jy eers
probeer het om die saak met die verskaffer uit
te klaar en nie daarin geslaag het nie. Jy sal jou
saak duidelik en sonder emosie moet stel en al
die bewyse voorlê. Natuurlik moet jy afskrifte hou.
Vraag: Nou die dag het ek ’n kontrak van sestien
bladsye ontvang om te teken. Ek het die
mense op hulle woord geneem omdat ek dit
nie verstaan het nie. Was dit korrek?
Antwoord: Nee, jy moet nooit ’n kontrak teken as
jy dit nie volledig verstaan nie. Die ander party
moes dit volledig aan jou verduidelik het en dit
moes in gewone Afrikaans of Engels gewees het
sodat jy dit kan verstaan. Ja, dit beteken geen
ingewikkelde wetstaal nie maar iets wat vir jou
verstaanbaar is. Hulle was dus verkeerd en die
kontrak sal waarskynlik nie geldig wees nie.
Vraag: Ek het aan ’n kompetisie van ’n groot
kleinhandelgroep deelgeneem en niks verder
gehoor nie. Dit het ook nie gelyk of daar
enige reëls was nie.
Antwoord: Dit klink nie wettig nie. Ongelukkig
hou baie kompetisies deesdae nie by die wet nie.
Daar is ’n afdeling in die VBW wat hieroor handel.
Jy moet presies weet wie die kompetisie aanbied,
watter pryse aangebied word en waar jy die reëls
kan lees. Jy moet ook weet waar en wanneer die
pryse afgehaal kan word. As enige van hierdie
inligting ontbreek, is die kompetisie onwettig.
Tussen hakies, hulle mag nie inskryfgeld vra nie
– afgesien van redelike koste om die inskrywing
per pos, SMS of hoe ook al aan te stuur. As jy dus
moes betaal om deel te neem, was dit onwettig.
Vraag: Ek het gister ’n kontrak by ’n direkte
bemarkingsmaatskappy geteken om ’n hoë-
40
troustel te koop, maar ek het van plan verander.
Ek wil uitkom! Wat kan ek doen?
Antwoord: Maak gou! Die VBW gee jou vyf dae
om ENIGE ooreenkoms vir watter rede ook al te
kanselleer. Dit word ’n “afkoeltyd” genoem. Sê dus
vir hulle dat jy dit kanselleer.
Vraag: Ek het ’n ketel by ’n kleinhandelaar
gekoop en twee maande later het dit ingegee.
Wat is my regte?
Antwoord: Die VBW gee jou die reg tot veilige
kwaliteitprodukte. Jy is geregtig om dit sonder
benadeling op onkoste en risiko van die verskaffer
terug te neem – tot ses maande na die aankoop as
die item van minderwaardige kwaliteit of onveilig
of stukkend is. Die kleinhandelaar is verplig om
jou geld terug te gee of om die item te herstel of
vervang. Jy moet die aankoopstrokie as bewys
van aankoop wys en ideaal gesproke ook die
oorspronklike verpakking omdat dit deel van die
produk is. Natuurlik val dit weg as jy die item
deur jou eie nalatigheid beskadig het, byvoorbeeld
as jy dit laat val het.
bY WIE OM TE kLA:
Die verbruikershulplyn by een van die volgende:
• Die kliëntekontaksentrum van die DHN: 0861
843 384
• Die kliëntebeskermingskantoor (KBK) van die
DHN: (012) 394 1436 / 1558 / 1076
• Die epos-adres van die DHN: contactus@thedti.
gov.za
• Die webwerf van die DHN: www.thedti.gov.za
’n Nuttige verbruikershandboekie “Ek ken my
regte. Ken jy joune?” kan verkry word van die
bostaande kontakgegewens of afgelaai word
van: http://www.rmi.org.za/wp-content/themes/
et-starter/docs/CPA-UsersGuide.pdf
www.saarp.net

YOU’VE EARNED IT!
A guide to discounts and benefits for
boomers, seniors and retirees
by Marilyn Hallett
If you believe that it’s too late to take a risk and chase a dream,
meet Marilyn Hallett, Baby Boomer on a mission and founder of
You’ve Earned It (YEI), South Africa’s directory of benefits and discounts
for boomers, seniors and retirees.
Following Juta’s publication of her book You’ve Earned It (or YEI)
in 2008, she took the business online in 2011. The website, You’ve
Earned It or YEI was launched on 23 September 2011. YEI wishes
to be seen as a company who values and nurtures the senior market.
To this end, the YEI website showcases advertisements that are
of interest to this age group as well as companies offering discounts
and benefits to seniors and retirees. YEI also features interesting
and informative articles geared at the over 50’s, as well as an online
forum, sounding board and meeting place for this sector. We heartily
welcome comment and discussion.
Marilyn believes that timing is everything. YEI launched in the same
year that the first of the Baby Boomers were starting to retire. “Seniors
and retirees are well-looked after and nurtured in many other
countries. It’s time that we, in South Africa, do the same. The YEI
ethos is such that boomers, seniors and retirees should feel valued,”
she says.
Even though we are still in our infancy, YEI has some wonderful advertisers
on board. Companies such as Nedbank, Shoprite/Checkers,
Primi Piatti, Auto and General and Run Walk for Life have already
identified with YEI’s potential, vision and mission. Many other companies
who have come on board to offer good value and great discounts
- too many to mention, and more in the pipeline. It has been
very heart-warming to see these companies come on board, knowing
that they share in YEI’s vision in valuing our senior citizens.
To view the discounts and benefits, comment on articles and advertisers,
and participate in discussion as well as receive monthly YEI
e-Newsletters, YEI readers do need to register (it’s FREE) on the YEI
website – www.youve-earned-it.co.za.
YEI’s biggest challenge is to attract more members which will result
in YEI being able to negotiate discounts and benefits with many more
companies. We also need more advertisers on board in order to satisfy
the readers. All of this will be to the benefit of boomers, seniors
and retirees in South Africa.
saarp@iafrica.com 41

PrOfile: executive director,
Ray Hattingh
In this and subsequent issues, we are publishing
one of the short biographies of our three executive
directors, so that you can get to know them better.
Here’s the first.
I was fortunate enough to grow up in a small
Karoo town with a school that provided a wellrounded
education – and produced many rugby
Springboks in the early years of last century. A
love of nature, books and an enquiring mind are
by-products of those years.
At 29, I changed from my banking career to computer
programming, with Liberty Life.
The invaluable experience of being a systems, as
well as a business analyst, led to my being offered
consultancy posts at accounting firms.
After that I spent 15 years consulting on my
own before being recruited by the old ARP&P (an
association for retired people) as their General
Manager in 2003. To be frank, it soon became
obvious that they were on a road to nowhere
and I suggested to their Board that they accept
SAARP’s offer to take over the social clubs. At
SAARP, my IT background soon led to my managing
the database as well as the social clubs.
Two years ago we built a house in the beautiful
rural retreat of Riebeek Kasteel and my wife Julie
and our daughter Alison moved there. That
Karoo blood still courses strongly. I commute
from there, daily, and it’s a great pleasure to do
so.
I’m constantly aware of the changing seasons as
we move from wheat production to grapes and
back again. One sees a new view every day. Our
son Grant, while living in Cape Town, also has
a ‘get-away’ cottage on a farm close to Riebeek
Kasteel. He is the owner and driving force behind
African Urchin – a manufacturer of jewellery created
around sea urchin shells.
I am chairman of the Pinelands Writers’ Circle,
as well as the secretary of the Cape Town branch
of the SA Military History Society. I am also a
member of the Friends of the SAAF Museum and
42
the Railway Society. I have always had a deep
interest in aviation and should probably have
chosen a career as an aeronautical engineer.
This interest naturally involves a curiosity about
UFOs. I have learned that experiences in this
field are best kept to oneself!
The single greatest influence on my later years
has been a little book entitled Freedom from
the Known, a compilation of lectures by Jiddah
Krishnamurtui.
I’ve long since learned that one cannot change
society, one can merely influence by example.
I’ve always said that the best epitaph is, “He
tried to be decent.”
My best SAARP memories are the lunches after
the regional meetings and the various club
year-end functions I’ve attended. It is on these
occasions that you really get to know people and
their feelings and desires.
I would like to see SAARP develop along the lines
of the American AARP, who have a paid lobby in
Washington, so that we can acquire the clout to
become a voice for the older people of this country
whom I feel have been side-lined by the likes
of Madiba and Bishop Tutu with their concentration
on the youth. The youth did not build this
country. We ‘oldies’ did.
I guess that many people came to know my
approach to life after I lost the bottom of my
right leg in a motorcycle accident about four
years ago. I developed a skit on Jeremy Clarkson’s
tame racing driver, The Stig, in Top Gear.
I signed my e-mails to friends, “Some say he
hasn’t a leg to stand on. And that he’s footless
and fancy free. All we know is that he’s called,
The Stump.”
www.saarp.net

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Have FUN through sAArP social clubs
A B C D
CLUB PHONE NAME EMAIL
WESTERN CAPE
Panorama 083 280 2676 Richard Anders annieanders@gmail.com
Bellville 021 919 1671 Johnny Hing jonaghing@telkomsa.net
Clarewyn 021 761 7855 Erica Faure efaure@cybersmart.co.za
Constantia 083 582 5332 Riny Veraar r.veraar@vodamail.co.za
Fish Hoek 021 782 2719 Brenda Murrell bgmurrell@telkomsa.net
Groote Schuur 021 681 2821 Victoria Paterson patvic21@gmail.com
Helderberg 021 855 2218 Chris Marshall seal0@absamail.co.za
Hermanus 028 316 2390 Ingrid Green ingridgreen@hermanus.co.za
Milnerton 021 556 9576 Margaret Beekman
Muizenberg 021 788 7886 Beryl Thorpe
Pinelands 021 434 1230 Merle Byworth mbyworth@telkomsa.net
Silvermine 021 789 1065 Ext 2065 Enid Stephens asoule@netactive.co.za
EASTERN CAPE
Jeffery’s Bay 042 296 0193 Louis Opperman arpjbay@lantic.net
PE East 041 581 3267 Brian Waxham briaels@telkomsa.net
PE West 041 365 4671 Lynne Crothall zs2mm@telkomsa.net
FREE STATE
Bloemfontein 051 522 7535 Judy Mitchell charlesjudy.mitchell@gmail.com
KWAZULU-NATAL
Alexandra 039 975 9612 Pam Colvin pamandstan@vodamail.co.za
Amanzimtoti 031 903 4182 Maureen Proctor
Margate 039 312 6348 Lucas Barnard lucashester@telkomsa.net
Pinetown 031 709 1959 Brian Humphrey brianh@telkomsa.net
PMBurg 033 346 2449 Roy MacBean angus.r@vodamail.co.za
Umhlanga 031 572 4421 John Young young@absamail.co.za
Upper Highway 031 765 4762 Gloria Humble wayneh@ninian.co.za
GAUTENG
North Rand Jeff Hollingdale asdic@mweb.co.za
Temba 012 717 2931 M C Mhlongo
SOUTHERN CAPE
George 044 873 2125 Adrian Green algreen@axxess.co.za
Sedgefield 044 343 1877 Ros Macmillan racmacmillan@hotmail.co.uk
HOLIDAY FLATS available at half the price!
Holiday accomodation available: overlooking the Hermanus Golf Club, also in Somerset West,
Plettenberg Bay and in Port Alfred!
Fully furnished, microwave, tv & DSTV. linen and bath towels provided.
Current “Pensioners Special” available at an AMAZInG 50% discount until end of
November 2012: Terms and Conditions apply.
Contact Sandra Davies 028 313 0312 for more details on prices.
saarp@iafrica.com 43

44
FEATURED TOURS
Moscow to St Petersburg
9 nights on-board M/S “litvinov”
In 2013 experience the real Russia on a relaxing river cruise on the mighty River Volga from Moscow
to St Petersburg, with some fascinating stops on the way. Both cities are explored in depth and on a
typical trip with two full days to explore Moscow, and St Petersburg. There is a full programme of excursions
throughout. The journey between the two mighty cities takes in some of Russia’s historic socalled
‘Golden Ring’ towns - many of which pre-date Moscow and St Petersburg. You’ll also stop off at a
number of villages on the journey, giving you a taste of life in Russia away from the hustle and bustle of
the two primary cities.
sailing dates from moscow
12 May, 31 May, 19 June, 8 July, 27 July, 15 August, 3 September, 22 September, 2013. For reverse
sailings from St Petersburg please ask us for dates
& prices.
Price guide
• Cruise prices start from R11,800 per person
sharing a double cabin.
Your cruise price includes
• Accommodations in all outside cabins, each
with private bathroom facilities, individual temperature
control and large picture window
• Three meals (breakfast, lunch and dinner)
per day in the ship’s restaurant with the same
menu for all passengers irrespective of cabin
category; meal service begins with dinner on day of embarkation and ends with breakfast on day of
disembarkation.
• Captain’s welcome Cocktail Reception
• Gala farewell Dinner aboard
• Full sightseeing programs in each of the ports of call, transfers for groups upon arrival/departure.
• luggage handling to/from the ship
• lectures, Russian language and song lectures
• nightly entertainment and dancing, Daily aerobics, tour of the ship’s bridge.
• Orthodox cruise director and staff.
• Port taxes
There are a number of factors which will influence the price of your travel arrangements, including the
standard of cabin and the departure date of your cruise.
www.saarp.net

AVAILABLE TOURS
Experience South America with Costa Cruises
Costa Fascinosa - Brazil, Argentina, Uruguay - 12 Days
Catch the sensual spirit of South America on this cruise. This faraway land is a place of drama, passion
vibrancy and beauty, where life is lived to the full. Admire the love of dance and music which brings out
the sheer joy of being alive.
Sailing dates from Rio de Janeiro
18, 27 Dec. 2012 , 5, 14, 23 Jan. 1, 10, 19,
28 Feb. 9 Mar 2013
Visit Rio de Janeiro, Buenos Aires (2 days)
Punto de Este (Uruguay), Portobelo & Santos
(Brazil).
Price guide
Prices start at R34,400 for an inside cabin
and R37,345 for an ocean view cabin.
Your Cruise/Holiday price includes
• Return economy class flights with SAA
from Johannesburg to Rio de Janeiro
• Airport taxes & fuel surcharges
• Private transfers Airport/Hotel/Ship/Airport
• One night’s accommodation in Rio at 4 star Windsor Excelsior Hotel including breakfast
• Costa Fascinosa cruise for 9 nights in your chosen cabin
• All meals and entertainment
COnTACT XL MiLLEnniUM TRAvEL:
Johannesburg: Melinda Letchman on tel: 011 453 1401 or
e-mail: Melinda@millenniumtravel.co.za
Cape Town: Letitia Muller on tel: 021 590 7900
e-mail: letitiam@milllenniumtravel.co.za
saarp@iafrica.com 45

46
Holiday Club
Did you know that you can obtain holiday accommodation at a fraction
of its normal price through SAARP? And that the accommodation is in
glorious places throughout southern Africa? That’s just one of the many
benefits you enjoy as a member.
RESORT DATE SIZE UNIT PRICE FOR PERIOD
LIMPOPO
MABALINGWE 11 - 15 FEB STUDIO R 1,400.00
MABALINGWE 18 - 22 FEB STUDIO R 1,400.00
RIVIERA ON VAAL 28 JAN - 1 FEB 1 BEDR R 1,800.00
RIVIERA ON VAAL 4 - 8 FEB 1 BEDR R 1,800.00
SOUTH COAST NATAL
PEBBLE BEACH 28 JAN - 1 FEB 1 BEDR R 1,400.00
PEBBLE BEACH 11 - 15 FEB 1 BEDR R 1,400.00
SUNTIDE HOTEL MARGATE 4 - 8 MARCH 1 BEDR R 1,600.00
NORTH COAST NATAL
UMHLANGA CABANAS 11 - 16 FEB 2 BEDR R 1,600.00
UMHLANGA CABANAS 4 - 9 MARCH 2 BEDR R 1,600.00
DOLPHIN VIEW 4 - 8 FEB 1 BEDR R 1,400.00
DOLPHIN VIEW 18 - 22 FEB 1 BEDR R 1,400.00
DOLPHIN VIEW 4 - 8 MARCH 1 BEDR R 1,400.00
CHAKAS ROCK 4 - 8 MARCH 2 BEDR R 1,200.00
BREAKERS 28 JAN - 2 FEB 1 BEDR R 1,400.00
BREAKERS 25 FEB - 2 MARCH 1 BEDR R 1,400.00
DRAKENSBERG
KIARA LODGE 4 - 8 FEB 1 BEDR R 1,800.00
KIARA LODGE 18 - 22 FEB 1 BEDR R 1,800.00
DRAKENSBERG SUN 28 JAN - 1 FEB 1 BEDR R 1,800.00
DRAKENSBERG SUN 4 - 8 MARCH 1 BEDR R 1,800.00
MIDLANDS SADDLE&TROUT 4 - 8 MARCH 1 BEDR R 1,400.00
MIDLANDS SADDLE&TROUT 11 - 15 FEB 1 BEDR R 1,400.00
WESTERN CAPE
ROYAL ATLANTIC 18 - 22 FEB 1 BEDR R 1,600.00
TABLEVIEW CABANAS 28 JAN - 1 FEB 1 BEDR R 1,400.00
TABLEVIEW CABANAS 18 - 22 FEB 1 BEDR R 1,400.00
CASTLETON 28 JAN - 1 FEB 1 BEDR R 1,600.00
Any cancellations MUST be made at least 10 WEEKS prior to check in date.
For more information and bookings contact RENSKE on tel: 021-592 1279
www.saarp.net

Just for FUn!
BULLETIN 3
Philip Bateman
Word hunt puzzle for SAARP Bulletin 3
WORD SeARCH
e l s y m p h o n y l
re gl vs y i m o p l h i o n ry hl y
ur eg nv i t o h l wi gn ar yh y p n
su ce n t i h ow eg ta ry sp n a x
s i e e s i a a u r c
s c n i o e t r s a x
e r u t l u c i r g a
s i e e s i a a u r c
r t n i r c o s i o b
e r u t l u c i r g a
p g m b w w y h o e b
r t n e i kr c io rs ci o e b g a
ap g f m c b aw cw ty uh so e i b
g
t e n n o s g u u b e
r t e k c i r c e g a
a f c a c t u s i b g
t e n n o s g u u b e
SUDOkU
AGRICULTURE
SYMPHONY
LYNX
CABBAGE
HOUSING
CRICKET
GEOGRAPHY
MILITARY
PRESSURE
TWO
CACTUS
BICYCLE
FEBRUARY
WIT
INTO
VIOLIN
RAT
SONNET
4 5 9 2 7
9 3 2 8
4 3
1 3
6 8 3 1
9 6
6 5
1 3 9 8
7 2 1 9 4
saarp@iafrica.com 47

Solutions / Oplossings
Did you know:
• 11% of people are left handed?
• August has the highest percentage of
births?
• unless food is mixed with saliva you can’t
taste it?
• the average person falls asleep in
seven minutes?
• an ostrich’s eye is bigger than its brain?
source: http://www.did-you-knows.com
48
r b q h t k a n t g s i s w
f e u r i l z l i o f f e r
a r e l z e d y r t s a p a
o i l p r g g a n v r f l z
o q l u i d t s r i c o p o
p e t f f t j s n c g i o r
b a t t l e m e n t i i t e
n e c a r g s i d o s s r b
d v m s r s v u i r a h l o
r u e e r b d d n e v a e h
s y w o l l e y f z n m o y
y a c h t a b l e k p m t s
k e d s i m p l e i e e b m
a l i o n b l t o c i r p a
for / vir April 2012
battlement home table
origin idea useful
yellow jersey victor
apricot kill weariness
blanket lamb yacht
celebrate malt zero
disgrace nature essay
offer feast pastry
gifted quell hammer
razor sad simple
heaven to
www.saarp.net

Enjoy your freedom
with our special
SAARP rates
Finally you have the time to travel locally and abroad, discovering new destinations and enjoying your new-found freedom.
As a SAARP member, you qualify for the best rate of the day less 5%, allowing you to enjoy your break even more!
Making you reservation
When you reserve your Avis car, please remember to supply the following information:
• The full name of the driver
• The car group required
Conditions
Only SAARP members qualify for these discounted rates. Reservations may only be made through Avis Central Reservations on 0861 021 111. These rates are subject
to the Avis Standard Terms and Conditions. Payment must be made with an Avis honoured charge card such as Diners, Mastercard, Visa or American Express.
Avis offers Point 2 Point, a transfer service
that takes people from point A to B, any day
of the week and at all hours of the day.
• Collection and delivery locations
• Your credit card number, expiry date
Visit www.avis.co.za or call 0861 021 111
Want to break away to the great outdoors?
MANGWENI PRIVATE GAME RESERVE is just 40 kilometres west of Mookgopong,
in the World Heritage site that is the Waterberg. It is just 2.5 hours from Johannesburg
Enjoy the tranquil view of the river whilst preparing your meals in our Communal Thatch Lapa
with a fully equipped kitchen, dining room, lounge and deck with a Jacuzzi. Gather socially with
the other guests around the fire, appreciating the bright stars whilst attending to your braai.
For more information:
Call: 082 335 8501
e-mail: kelly@mangweni.co.za
website: www.mangweni.co.za
Avis Breakdown and Emergency, will
assists anytime of the day or night if
you need help, 0800 001 669.
• SAARP discount number J871801
Optional GPS units are available on request
ensuring you always stay on route to your
destination.
Our rates are very reasonable
and we offer reduced rates from
Monday to Thursday.

Key nutrients per dose
Fish oil 843mg
with Omega-3 fatty acids 500mg
of which DHA 350mg
Lutein 10mg
Zeaxanthin 2mg
Zinc 15mg
Vitamin C 180mg
Vitamin E 30mg
Ask your pharmacist for new OCUVITE ® Complete
– the leading nutritional eye health supplement.*
www.ocuvite.com
* Data on fi le
Reduce the risk of agerelated
sight changes with
OCUVITE’S ®
SCIENCE-BASED
nutritional supplements
Omega-3 fatty acids
essential for the maintenance of normal
vision and only obtained from food
and supplements
Lutein and zeaxanthin
form the protective macular pigment that
helps filter harmful blue light
Antioxidants and zinc
help neutralise excess free radicals
Omega-3
Protecting sight with science
Applicant: Sofl ens (Pty) Ltd. Reg. No.: 68/11787/07. Marketed by: Bausch & Lomb (SA) (Pty) Ltd. Reg. No.: 1996/003931/07.
14 Voyager Road, Linbro Business Park, Johannesburg 2090, Gauteng, South Africa.
Tel: +27 11 372 5600 Fax: +27 11 372 5605. ordersa@bausch.com, www.bausch.co.za, www.bausch.com, www.bauschonline.com.