SAARP Bulletin - latest copy: April 2013

Bulletin
Publication for Seniors
ISSUE HIGHLIGHTS
SAARP wins top award
Budget 2013 - how does it
affect your pocket
Nuwe aanbiedinge deur SAVA
Eat better, live longer
April 2013
Adding life to your years

SAARP-SURE MOTOR & HOUSEHOLD INSURANCE FOR
MEMBERS OF THE SOUTH AFRICAN ASSOCIATION OF
RETIRED PERSONS.
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For an obligation free comparative quotation contact your SAARP-SURE consultant.
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Tel: 021 415 1858 l Fax: 021 415 4687 l Cell: 082 789 5061 l Email: freeburyc@aforbes.co.za
MOTOR, HOUSEHOLD
& BUSINESS 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
Publishers DPI Media
Printing Paarl Media Pty (Ltd)
Team
Social Services Director
Ray Hattingh
Editor Philip Bateman
Proof-reader Julie Hattingh
Translator Hans Linde
Contributors Desi Doran
Paul Rosenbrock
Ray Hattingh
Philip Bateman
Caroline Bateman
John Benwell
Bruce Bayer
Prof. JP van Niekerk
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
Boodskap van die Uitvoerende Direkteur 2
The CEO’s note 3
NEWS / NUUS
SAARP wins top award 4
SAARP news 4
Snippets from around the world 6
FINANCES / FINANSIES
Budget 2013 - how it affects your pocket 7
Begrafnispolisse - navraag en verduideliking 9
Nuwe aanbiedinge deur SAVA ! 11
What to do if an elderly relative can no
longer handle his or her affairs 12
Why it’s sensible to value your car correctly 14
TECHNOLOGY / TEGNOLOGIE
Bulletin to move into the 21st century 16
Enjoy 3 000 top international radio stations
- in your home - free! 18
Waarom jy jou ID-nommers op jou dokumente
moet nagaan as jy ouer as 25 is 20
saarp@iafrica.com 1
7
4 30
HEALTH / GESONDHEID
Keep your brain agile - at any age! 22
Discovering the world of hearing aids 24
Eat better, live longer 28
Grow a herb garden in your kitchen 30
Buyer beware: snake oil still flourishes 32
LIFESTYLE / LEEFSTYL
Klein wonderwerke: gebruike vir
alledaagse dinge 34
Claim your SAARP benefits 36
Profile: Paul Rosenbrock 38
You’re never too old ... 39
Enjoy a vibrant social life with SAARP’s
Social Clubs 40
SAARP Social Club information 42
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.

Boodskap van die Uitvoerende
Direkteur
Gedurende die afgelope aantal maande is ons oorstroom met aansoeke vir
lidmaatskap. Dit is hoofsaaklik as gevolg van die gebruik van ons webwerf. Dit
sê vir ons twee dinge: dat mense die webwerf lees en daarop reageer, en dat die
voordele wat ons aanbied, vir voornemende lede aantreklik is.
Ons verwelkom nuwe lede in ons kring, maar ons wil nie hê dat hulle kontak
met ons moet eindig nadat hulle hulle lidkaarte en die Bulletin ontvang het nie.
Ons wil hê dat die lede ons dienste moet gebruik, wat goedkoper korttermynversekering,
wonderlike vakansies, ander versekeringsplanne en bykomende
dienste soos die verskaffing van gratis testamente insluit.
SAVA is ’n organisasie wat ’n hele reeks van dienste aan mense oor 50 verskaf, selfs al is hulle nie pensioentrekkers
nie.Ons krag om beter voordele vir ons lede te beding is van ’n hoë lidmaattal afhanklik.
Daarom moedig ons lede aan om soveel as moontlik gebruik te maak van wat ons aanbied en om vriende
aan te moedig om lede te word. Al ons dienste is daarop gemik om vir jou geld te bespaar. In hierdie moeilike
finansiële omstandighede is dit presies wat mense in ons ouderdomsgroep regtig nodig het. Word
daarom ’n ambassadeur vir SAVA en bring ons en ons dienste onder jou vriende se aandag.
Ek het onlangs ’n interessante brief van ’n lid gekry wat sy SAVA-lidkaart gebruik het om per trein deur
Europa te reis. Hy het dit getoon waar hy ook al gegaan het en dienste en reise teen ’n groot korting – en
soms selfs gratis – gekry. As ons regering maar net met soveel deernis na die belange van die senior burgers
in ons land wou omsien en vir hulle die een of ander vorm van beloning wou gee vir die lange jare van
diens wat hulle gelewer het en belasting wat hulle betaal het! As ander regerings die seniors kan beloon,
waarom nie ons s’n ook nie?
Ek kry herhaaldelik die vraag waarom ons nie ’n mediese skema teen kompeterende pryse vir ons lede
kan daarstel nie. Al ons lede voel die knyp en het probleme om mediese dekking teen billike pryse te kry.
Die probleem is dat ons meer siektetoestande ontwikkel soos ons ouer word. Daarom is ons ’n swaarder
las vir mediese skemas as die jonger, gesonder lede. As gevolg hiervan is mediese skemas geneig om hulle
tariewe te verhoog as hulle ’n groter aantal ouer lede het om sodoende die bykomende koste te dra. Dit is
dus duidelik waarom hulle huiwerig is om ons as ’n groep in te neem. Die Wet op Mediese Skemas laat
nie skemas toe om op grond van ras, ouderdom, gesondheid of geslag te diskrimineer nie. Daarom kan
hulle ons nie weier as ons as indiwidue toetree nie. Hulle kan egter weier om ons as ’n groep te aanvaar.
Daarom sal ons voortgaan om alternatiewe vorms van mediese dekking te ondersoek wat ons lede finansieel
sal help.
Ek het onlangs ’n interessante gesprek gehad met die aktuarisse van die pensioenfonds waarby ek betrokke
is. Hulle weet te vertel dat lewensverwagting in die verlede gemiddeld ongeveer 75 was, maar dat
hierdie syfer geleidelik styg. Hulle fonds het 54 mense oor die ouderdom van 100 en 12 oor 105 jaar.
Hulle het bygevoeg dat mense teen die einde van die eeu die ouderdom van 125 sou kon bereik. Hierdie
toename in lewensverwagting beteken dat daar ’n groter las op pensioenfondse sal lê omdat mense vir
veel langer voordeel trek as wat aanvanklik verwag is. Hierdie toestand skep ook vir ons ’n uitdaging.
Dit beteken dat die mark vir ons dienste geleidelik toeneem. Dit sou wonderlik wees as ons ons ledetal
oor die volgende tien jaar kon verdubbel. Jy kan help deur jou vriende van ons te vertel en hulle aan te
moedig om as lede aan te sluit.
John Benwell
2
www.saarp.net

The CEO’s note
Over the last few months we have been inundated with applications for membership
of SAARP. These have emanated mainly from traffic on our website. This
is telling us two things: that people are reading and responding to the website,
and that the benefits we are providing are attractive to prospective members.
We welcome new members into our fold but we don’t want communication to
stop after they’ve received their membership cards and the Bulletin. We want
members to use our services, which include cheaper short-term insurance, wonderful
holidays, other insurance plans and our subsidiary services such as the
provision of free wills.
SAARP is an organisation providing a whole range of services to people over the
age of 50, even if they aren’t pensioners. Our power to negotiate better deals for
our members relies on a high membership base and so we would like to encourage you to make use of
what we have to offer as much as possible and also to encourage your friends to become members. All our
services are aimed at saving you money which, in these trying financial times, is just what everyone in our
age group really needs. So, become a SAARP ambassador and sell us and our services to all your friends.
I had an interesting letter the other day from a member who used our SAARP membership card to tour
Europe by train. He produced it wherever he went and received heavily discounted - and sometimes free
- services and travel. If only our government would look so favourably on the elderly in our country, and
provide them with some form of reward for the services they have rendered by being taxpayers for so
many years. If other governments reward the elderly, why not ours?
I am repeatedly asked why we cannot negotiate a medical scheme at competitive rates for our members.
All our members are feeling the pinch and have difficulty finding medical cover at a reasonable cost.
The problem is that as we grow old, we experience more ailments, and we are therefore a heavier burden
on medical schemes than the younger, healthier members. Due to this, medical schemes tend to increase
their rates if they have a high number of elderly members, in order to cover these costs. So one can see
how they are reluctant to take us as a group.
The Medical Schemes Act does not allow schemes to discriminate based on race, age, health or gender so
they cannot stop us from joining individually. They can, however, refuse to accept us a group. So we will
continue to seek alternative forms of medical insurance which will assist members financially.
I recently had an interesting discussion with the actuaries of a pension fund with which I am involved.
They told me that in the past, life expectancy was, on average, approximately 75 years, but that this figure
is steadily rising. Their fund has 54 people over the age of 100 and 12 over 105 years.
They added that by the end of this century people could reach the age of 125 years. This increase in life
expectancy means that there will be a greater demand on pension funds, insurance and medical schemes
as members remain beneficiaries for many more years than originally anticipated.
This situation also creates a challenge for us, as it means that the market for our services is steadily growing.
It would be wonderful to double our membership numbers over the next ten years. You can help by
telling your friends about us and encouraging them to join.
John Benwell
saarp@iafrica.com 3

SAARP wins TOP AWARD
In February this year ‘GG’ Grobler, our Marketing
Officer, received this handsome trophy
awarded to SAARP as ‘Consumer Body
of the Year’ by the South African Consumer
Union in Pretoria.
The award is given annually to the body
whom they regard as having done the most
for looking after the interests of the South
African consumer. Says CEO John Benwell,
“We are thrilled and honoured to have been
recognised in this way and this award will
act as a further incentive for us to continue
and expand our efforts.”
SAARP Executive directors with the trophy
awarded for being the ‘Consumer Body of the
Year’. From left: Ray Hattingh, John Benwell
(CEO) and Paul Rosenbrock.
SAARP NEWS
New members
Last year we increased our membership by 5 180.
More than half – 2 778 - joined via our website
www.saarp.net Twenty-three per cent of these
took advantage of our discounted insurance offers
and other financial services. The average age was
just over 63 years, and nearly two-thirds provided
e-mail addresses. This is important to us as the
cost of postage has become prohibitive, and it is
far cheaper, faster and more convenient to update
our members via e-mail. We encourage potential
members to give us their e-mail addresses.
4
Hellopeter.com - plaudits
Hellopeter.com is an internet ‘platforum’ where
the public can openly complain or provide
compliments about services they receive from
companies or institutions.
It is gratifying to note that there are five posts
on hellopeter.com all praising the excellent
service given by SAARP and our linked insurance
company, Auto & General. For more information
on this ‘plaforum’ you can search for
www.hellopeter.com.
www.saarp.net

Insurance savings
Did you know that the price of commodities has
increased dramatically over the last ten years – by
up to 239%? One of SAARP’s ‘pillars’ is to bring
you quality short-term insurance at a reduced
cost. In fact, we have been able to save some
members up to R900 per month on their premiums.
The Hellopeter item bears testimony to this.
Members often tell us that they are loyal to their
brokers with whom they’ve dealt for years. If you
are prepared – and have the spare cash - to pay
R10 800 per annum for ‘loyalty’ then so be it.
(Ask yourself, would your broker pay you that for
‘loyalty’?)
Not surprisingly, we’ve received plenty of ‘thank
you’ letters from satisfied members. Here’s just
one, “I would also like to add my heartfelt thanks
to SAARP for organising my insurance. Like for
like I have made a saving of R780 per month. For
us pensioners that is a fortune. Thank you very
much. Frank Clark.”
If you would like to save on insurance, please
give us a call on 021 592 1279, and Renske
or Beverley, our insurance brokers, will get
you highly competitive quotes.
NEWSLETTER – Member interest
Nearly 30% of addressees open the newsletter
which is well above industry norms but way below
our expectations. Why, if you are a member of
SAARP, would you not want to read our communications?
We wonder how many of these emails go into
junk mail without people realising it. Set up
news@saarp.co.za as ‘always allow’ in your
address book to prevent this happening.
Some ISP’s (Internet Service Providers) are also
a problem, notably iBurst. SAARP now sends
newsletters to all iBurst members from a personal
computer as this seems to circumvent iBurst’s
‘nanny’ software. How would you feel if the Post
Office decides which mail you should receive and
which they can simply throw away?
If you don’t receive our monthly newsletter
yet, follow this link and complete your details:http://www.saarp.net/eng_newslettersignup.php
NEW BENEFIT – SAARP wills, without any
drafting costs
Many members have expressed the wish that we
assist them with the drawing up of wills and create
a system through which SAARP is nominated
as a co-executor of our members’ wills.
We have negotiated a special deal for members
that will enable you to save money on the costs
of executing a will. Depending upon the size and
complexity of your estate, the discount could vary
from 20% to 50% off the maximum legislated fees
that are normally charged. In effect, you’ll be able
to bequeath more, because any savings of this
nature translate into more assets being available
for heirs. SAARP will then do all it can to ensure
that those left behind get the most advantageous
financial deal it is possible for us to negotiate.
Help us place your estate details in the hands of
suitably qualified attorneys who will draft your
will at no cost, and execute your will at favourably
discounted rates, with SAARP looking over
their shoulder.
Request a Will Request Details Form to be
sent to you. This form may be obtained by
contacting Paul Rosenbrock at: paul@saarp.
co.za. If you don’t have e-mail access, fax
Paul at 021 592 1284 or phone 021 592
1279.
b-SMART saves members a fortune
Through SAARP, members have access to a
b-Smart card. It’s really paying dividends. The
year runs from 1 July to 30 June in the following
year. The latest bonus declaration was a massive
4.3% which means that a member spending
R42 000 on conventional items eligible for the
claim, would have received a bonus of R1 806.
It’s one of the cleanest loyalty schemes around
and has relatively few exceptions. (Pharmaceutical
spending and petrol are not claimable, for
instance.) The fees are low – and include a minor
surcharge, transaction fees and annual card insurance
of a mere R5.70, so you really score.
Start saving today! Why not? To apply for
your SAARP/b-SMART card, call Cape Consumers
on 021 409 7600 or sms “SAARP”, followed
by your area [e.g. SAARP Goodwood or
SAARP Oudtshoorn], 32005. (SMS costs R1).
saarp@iafrica.com 5

SnIPPETS from around the world
Strike a blow for age discrimination
Sick and tired of being told that you’ve passed
your sell-by date? Tired of callow youngsters
being edged into your job – when they lack experience
and are 20 years younger? Now there’s
evidence to prove that older people are better
employees. Researchers at the University of
Mannheim in Germany studied production workers
on the Mercedes Benz assembly line. They
found that younger, and often better-educated
employees, were less productive, possibly because
they got bored more easily. Researchers believe
that where physical strength is less important,
older workers show considerable superiority. The
report stated that older workers had greater experience,
were better team-workers, and were more
flexible when things went wrong.
The Cape Argus. April 19, 2011.
Cell phone for older people
Age UK, a British-based organisation for the
elderly, has launched a no-frills cellphone called
‘My Phone’ designed to make calling easier for
those older people frustrated with excess gadgetry.
The phone is the size of a credit card and can
hold up to eight numbers which can be inserted
by the manufacturer. It has buttons labeled ‘answer’
and ‘on/off’ and has a battery life of about
five days. It is also offered in 11 different colours
– making is easier to find, for people with poor
eyesight, than the plain black version.
IOL. November 7, 2012.
Older drivers cause fewer accidents
Forget the mumblings about old dodderers behind
the wheel – researchers at the Transport
Research Laboratory in the UK have recently
completed a study in which they found older
drivers to be far more responsible and a marvellous
example to younger drivers with their cavalier
attitudes. Drivers from the age of 17 through
to over-75s were put through a stiff driving test
to check reactions. Despite the popular perception
that older drivers are slower, researchers
found that the older drivers were just as quick
to react when a vehicle suddenly appeared in a
6
side road. The researchers found that experience
outweighed any possible slowness or caution. In
the UK the over-60s account for nine percent of
drivers but only six percent of casualties. People
under 30 accounted for 20 per cent of drivers but
35 per cent of casualties. Say no more!
IOL. November 30, 2012.
Pensioner refunded for bad deal
Congratulations to the Ombudsman for Financial
Advisory and Intermediary Services for ordering
that a pensioner be refunded R815 000 after she
had been advised to invest in a property syndication
run by Sharemax Investments. The pensioner
had not been paid any income for more than two
years and had effectively lost her capital, the ombudsman
stated. He found that the adviser was
negligent because he had not applied his mind as
to how much risk the pensioner should take. Advice
has to be appropriate under the circumstances
– and older people are particularly vulnerable
as they don’t have an opportunity to catch up
again if an investment turns sour. Pensioners
beware – be ultra-cautious about switching from
a well-known branded investment into a high risk
one with a potentially higher return as it may not
be what it purports to be.
IOL. December 21, 2012
Chinese introduce strict law about visiting
elderly relatives
Chinese authorities have passed a new law stating
that relatives should pay regular visits to
their ageing family members. The Chinese have
always encouraged respect for the elderly and this
principle is enshrined in the new amendments to
the Protection of the Rights and Interests of the
Elderly legislation. Employers have to grant leave
to staff in order to enable them to fulfill their obligations.
One can understand their concern. By
2013 China will house a population of some 200
million citizens over 60 due to improved living
standards. Officials estimate that by 2050, 30% of
Chinese will be 60 years or over, against a worldwide
average of 20%.
IOL. December 29. 2012.
www.saarp.net

BUDGET 2013 – how does
it affect your pocket
by John Benwell
On 27 February the Finance
Minister presented his annual
National Budget Speech. It
was basically well received by
all concerned and addressed
the position of South Africa in
this uncertain global economy
environment.
He highlighted the fact that
the economy had grown more
slowly than in 2012, with an
expected growth of 2.7% in
2013, rising to 3.8% in 2015.
Government is committed to
large scale infrastructure investment
to the tune of R827
billion over the next three
years. It is also ready to implement
the National Development
Plan (NDP ) which will
provide reforms to improve
education, increasing urbanisation means for housing, schools, clinics, municipal services, public transport
and commercial development.
National Treasury was also busy engaging with business leaders to get private sector investment in the
economy.
Social grants were increased, with child support grants moving from R280 per month to R290 per
month, with a further increase to R300 per month in October. Old age/disability grants increase from
R1 200 to R1 260 per month, with a further additional grant of R20 to persons over the age of 75 years.
The secondary and tertiary rebates will be phased out by 2016 and all persons older than 65 will be
entitled to old age grants from then. The Means Test will be abolished from then.
Individual contributions to all retirement funds and employer contributions which constitute a fringe
benefit will be tax deductible up to a limit of 27.5% of the greater of remuneration or taxable income.
The tax deduction will be capped at R350 000.
Savings and investments will have interest exemption increasing from R28 000 to R23 800 for tax payers
under 65 years of age, and from R33 000 to R34 500 for 65 years and older.
saarp@iafrica.com 7

INDIVIDUaL taX
Personal tax (natural persons)
RebateS
8
New 2013/2014 tax year
Taxable Income (R's) Rates of Tax
0 -­‐ 165 600 18 % of each R 1
165 601 -­‐ 258 750 R 29 808 + 25% of the amount above R 165 600
258 751 -­‐ 358 110 R 53 096 + 30% of the amount above R 258 750
358 111 -­‐ 500 940 R 82 904 + 35% of the amount above R 358 110
500 941 -­‐ 638 600 R 132 894 + 38% of the amount above R 500 940
638 601 and above R 185 205 + 40% of the amount above R 638 600
The primary rebate will be increased to R12 080 per year (currently R11 440)
The secondary rebate which applies to individuals aged 65 and older will be increased to R6 750 per
year (currently R6 390)
The third rebate which applies to individuals aged 75 and older will be increased to R2 250 per year
(currently R2 130)
The threshold below which individuals are not liable for personal income tax will be increased as follows:
• For persons younger than 65, will be increased from R63 556 to R67 111;
• For persons between the ages of 65 and 74, it will be increased from R99 056 to R104 611; and
• For persons 75 years and older, it will be increased from R110 889 to R117 111.
MeDICaL SCHeMe CONtRIbUtIONS
Tax credits will increase from R230 to R242 for the first two beneficiaries and from R154 to R162 for
each additional beneficiary.
tRUStS
Old 2012/2013 tax year
Taxable Income (R's) Rates of Tax
0 -­‐ 160 000 18 % of each R 1
160 001 -­‐ 250 000 R 28 000 + 25% of the amount above R 160 000
250 001 -­‐ 346 000 R 51 300 + 30% of the amount above R 250 000
346 001 -­‐ 484 000 R 80 100 + 35% of the amount above R 346 000
484 001 -­‐ 617 000 R 128 400 + 38% of the amount above R 484 000
617 001 and above R 178 940 + 40% of the amount above R 617 000
The taxation of trusts will also come under review to control abuse with modification of the tax treatment
including that of employment share schemes and disability or income protection policies.
www.saarp.net

OtHeR MatteRS
• Increases on excise duties for alcoholic beverages vary between 5.7 and 10% .
• Increases on excise duties for tobacco products vary between 5.8 and 10%.
• The general fuel levy increases by 22.5% for both petrol and diesel, and the road accident fund levy
increases by 8 cents per litre from 3 April 2013.
• Carbon tax will be introduced from 1 January 2015 and the electricity levy will be phased out when
this is introduced.
• Vehicle carbon emission tax will be increased from 1 April 2013.
• Levies on use of plastic bags and incandescent light bulbs will increase on 1 April 2013.
• A biofuels production incentive will be introduced to support biofuel production in SA.
CONCLUSION
The minister said the budget is set in a time when there is limited room for expansion yet there are significant
opportunities for change. The budget involves a balancing act between recovery and consolidation,
economic power and social solidarity, infrastructure and human development and between encouraging
enterprise and regulating markets.
BEGRAFNISPOLISSE –
navraag en verduideliking
Ons het die volgende navraag ontvang: Ek is bekommerd
oor die werking van begrafnispolisse soos dit deur sommige
maatskappye aangebied word. Ek het in Januarie 1992 ’n polis
by X uitgeneem. Ek het pas twintig jaar voltooi en my berekenings
dui aan dat ek 44% meer inbetaal het as wat my gesin by my afsterwe
sal uitkry! Is dit in orde? As ek met meer jare geseën word, dan betaal ek geld in
wat normaalweg gebruik moet word om my voordele te verbeter. Dit sou voordelig kon wees as mens
die invloed van inflasie oor die jare in gedagte hou. Toe ek navraag doen, is aan my gesê dat die polis
nooit volbetaald word nie, dat daar nie ’n vermeerdering van die bedrag is wat uitbetaal sal word nie en
dat dit my vrystaan om die polis te kanselleer, hoewel ek dan alles sal verloor wat ek inbetaal het.
John Benwell antwoord soos volg: Dit is moeilik om volledig te antwoord sonder om volledige besonderhede
oor die polis te hê. Jy moet egter in gedagte hou dat ’n begrafnispolis ’n versekeringspolis is en
die beginsel van alle versekeringspolisse is van toepassing. Jy betaal in ’n poel in waaruit alle eise gedek
word. Jy kan dalk eers na baie jare eis, of jy kan na ’n korter tydperk eis. Dit is die basiese beginsel vir
versekering soos dit byvoorbeeld ook vir jou motor geld. Jy betaal totdat jy ’n eis het, maar totdat jy eis
is jy ten volle gedek. Jy betaal vir die gerustheid dat jy vir ’n moontlike gebeurtenis ten volle gedek is.
Die persoon wat vir baie jare betaal, subsidieer die persoon wat na ’n jaar ’n eis instel. Sommige begrafnispolisse
word as volbetaald beskou as die hooflid te sterwe kom, terwyl dekking voortgesit word vir die
ander gesinslede sonder dat verdere inbetalings gemaak word. Dit hang alles af van die betrokke polis
waarvoor ’n lid ingegaan het. Hoe jonger jy die polis uitneem, hoe laer is die premies gewoonlik. Dit is
alles wettig en aanvaarbaar. As jy ophou om in te betaal, hou die dekking ook op. Daar is gewoonlik nie
’n volbetaal-opsie nie.
saarp@iafrica.com 9

10
12032013/1
www.saarp.net

NUwE aanbiedinge
deur SAVA!
Dis ’n voorreg om u te kan inlig dat ons
twee nuwe versekeringsprodukte aan ons
lede kan bied:
PeRSOONLIKe ONGeLUKSVeRSORGING
Dit verskaf dekking met ongeluk, dood of
ongeskiktheid ten bedrae van R100 000 aan
alle persone tot op die ouderdom van 80
jaar indien beserings a.g.v. ’n ongeluk opgedoen
word. Die polis sluit R10 000 begrafnisversekering
in en hospitaaldekking van
R2 000 per dag vir ’n periode van twee weke
– DIT ALLES VIR ’N PREMIE VAN SLEGS
R65 PER MAAND.
aDMeD GeSONDHeIDSVeRSeKeRING
As ’n lid van ’n mediese skema verwag mens gewoonlik
dat jou kostes ten volle gedek sal wees
indien u ooit gehospitaliseer moet word.
Ongelukkig is dit alles behalwe die waarheid,
want mediese skemas se voordele word gewoonlik
beperk tot Mediese Skema Tariewe (MST)
wat van skema tot skema varieër.
Heelparty mediese praktisyns vra baie meer
as die MST tariewe. In werklikheid vra heelparty
tot soveel as vier maal hierdie tariewe. Dit
veroorsaak natuurlik ’n gaping of tekort wat
deur u verskuldig is aan die mediese praktisyn
wat u in die hospitaal behandel het.
MEER!
As lid sal u persoonlik moet instaan vir die verskil
wat soms ’n aardige bedrag kan wees.
Ons nuwe ADMED skema maak dit vir u
moontlik om uself teen sulke gebeurlikhede te
beskerm.
Die polis verskaf ook verskeie addisionele
ongeluksvoordele.
Bydraes word bepaal op grond van elke aansoeker
se persoonlike omstandighede soos op
die aansoekvorm weergegee word.
Vir meer inligting skakel ons kantoor by
tel. 021 592 1279.
Sien bl 36 - 37 vir ons ander voordele om ’n SAVA-lid
te wees. Maak gebruik daarvan!
saarp@iafrica.com 11

WhAT To Do if an elderly
relative can no longer handle
his or her
affairs
by Philip Bateman
When an elderly relative becomes incapable
of handling their financial and other affairs,
you may have to assume the role of curator
bonis. It’s a drastic move as they lose their
right to deal with their own financial affairs
but it’s very necessary to ensure their protection.
Q. What are the criteria for this?
A. The dominant principle is that if the person is unable to appreciate the nature and legal consequences
of a particular act or transaction as a result of a mental illness, the act or transaction will
be void.
Q. Does the person who is to be put under curatorship have to understand the legal
proceedings?
A. No. It often happens that they are not able to do so. In this case, a so-called ‘curator ad litem’
will first be appointed to represent that person at an inquiry into his or her condition. Once the
curator bonis is appointed, they will – obviously subject to a court order – be able to supplement,
or even completely fulfil, the mentally ill person’s lack of capacity. In this position the curator bonis
will be able to take care of property, run a household, handle bank accounts and make investment
decisions, for instance.
Q. My father is senile – how do I go about becoming his curator bonis?
A. It’s best to start with a legal advisor who will be able to complete the necessary forms, call in the
necessary expert witnesses, place the matter before the court and so on. Your medical practitioner
could also assist. The court will require a Notice of Motion which should, as far as is possible,
be supported by an affidavit by a person well known to the patient, affidavits from two medical
practitioners, one of whom must be an ‘alienist’ that is, a psychiatrist, more ideally, who has been
accepted by the courts as being competent to carry out this process.
And, obviously, the report will provide details of the nature, possible duration and reasons as to
why the patient is unable to manage his own affairs or his person.
12
www.saarp.net

saarp@iafrica.com 13

WHY IT’S SEnSIBlE TO vAluE
YOuR CAR CORRECTlY
by John Benwell
Whether you need to take
out insurance or trade in
your car, knowledge of its
value will help you make the
right decisions
When you insure or sell a
motor vehicle, the value of
the vehicle is determined by
the values listed in the Auto
Dealers’ Guide.
This guide, which is regularly
updated, is the ‘bible’
on which insurance companies
and motor dealers rely
when dealing with clients.
It shows the value of every
vehicle for each model and year. It also has the
trade-in value and the value for resale - these
are also adjusted in line with condition of the
vehicle, mileage covered and fitted extras.
This information sometimes causes problems
for more elderly citizens, who may have very old
car models in excellent condition, but which
are reflected in the guide with a very low value.
In the event of an accident, it is this book value
which is considered when a decision is made
whether or not to repair the vehicle. Often in
the case of older vehicles the insurer rather
pays out the book value to the client, which
obviously causes discontent as it is not possible
to replace the vehicle with the small payment
received.
Members should regularly update the values
of their vehicles on their insurance policies. It
makes no sense to pay insurance on what you
think your car is worth when the guide shows
that it is much more than the actual book value.
With older vehicles at some stage it is better
to rather take out a policy that covers the other
14
vehicles in an accident but not your own (extended
third party). Some time ago we had a
member with an old Renault who had a major
accident with a Porsche - thankfully she had
extended third party insurance that covered the
cost of repairing the Porsche.
It is said that, after your house, the cars we
drive are the biggest investment that we make.
It is therefore essential that this investment is
fully insured but at the lowest rate possible.
That is why we have our special insurance policies
for members.
Here are some questions and answers to help
you value your car correctly and take out the
right insurance policy.
Q: What are my options in taking out car
insurance?
A. You can choose from three progressively
cheaper options – comprehensive, balance of
third party fire and theft and, the lowest of all,
third party only car insurance.
www.saarp.net

COMPReHeNSIVe CaR INSURaNCe
Comprehensive car insurance covers your car
for more than just third party claims if you are
involved in an accident with another car. It will
also cover you for damages you accidentally
caused to your own car. It’s very wide-ranging
and will cover towing and storage of your vehicle
- provided that you use the Auto & General
towline to tow your car; accidental damage;
theft and hijacking; accidental death or injuries
of third parties; damage to third party property
and accessories.
Added to this is a range of further benefits such
as entertainment assist (gives you access to
information regarding all major entertainment
events, hotel accommodation bookings, restaurants
and bookings, and general travel arrangements)
medical assist, road assist, trauma
assist, home assist and legal assistance.
tHIRD PaRty, FIRe & tHeFt CaR
INSURaNCe
This covers your car for accidental damage
caused to a third party and covers you against
theft and fire damage caused to your vehicle.
Bear in mind, though, that any damages that
you cause to your car – or which is the fault of
another driver - will not be covered.
You will receive cover for towing and storage of
your vehicle - provided that you use the Auto
& General towline to tow your car, accidental
damage, theft and hijacking, accidental death
or injuries of third parties, damage to third
party property and accessories, as well as the
various ‘assist’ benefits mentioned above.
tHIRD PaRty ONLy CaR INSURaNCe
This is the cheapest option of all and covers
damages that you have caused to other vehicles
or their property. Bear in mind, though, that
your vehicle will not be covered against theft,
loss or damages caused by an accident. As
such, this is a money-saver if your car is very
old and of little value.
With this option you’ll be covered for accidental
third party property damage as well as death or
injury on privately-owned motor cars.
Q. Where can I find out the trade-in or
value?
A. You could phone a dealer, of course, or
you could simply go online and search using
the terms ‘book values’ and ‘motor vehicles’
or similar. One useful page of this kind is
http://book-value.co.za/ as they provide a full
online calculator which enables you to value
your car according to make, model, mileage,
age - and even condition.
Q. Have you any tips for ensuring I receive
the best trade-in value?
A. Yes. Produce your vehicle’s log book, showing
that it has been regularly serviced. Repair
any minor dings and steam clean the interior.
Replace visible damaged items - for instance
a cracked visor - but don’t ‘invest’ in repairing
invisible items like shock absorbers and so on.
Trade it in before your odometer turns the next
ten thousand kilometer increment (59 000 is
better than 60 000 etc.) Do your homework –
not only establish the Auto Dealers Guide value
but you can also check online at Auto Trader to
see the retail price of your vehicle. Accept that
you will be offered – at most – the Auto Dealers
Guide value, as the dealer has to make a profit.
Q. What about selling my vehicle privately?
A. This is an option, of course, and it could
help you achieve the retail price, but this is
a huge effort. There is a mound of paperwork
involved and you may not want to expose yourself
to risks, including receiving a dud cheque,
or even being hijacked by gangsters posing as
buyers. One attractive option that takes away
a lot of the pain is to use the Automobile Association’s
AA Autobay which provides the South
African public with a safe, secure way to buy
and sell vehicles privately. It offers a host of
features, from viewing the available vehicles for
sale to the offering of vehicle financing, insurance,
warranties and other products and services.
As a SAARP member, you may be able to save
substantially on your motor vehicle insurance by
taking our SAARP’s special member insurance,
underwritten by Auto & General. For further
information contact Renske at 021 592 1279 or
renske@saarp.co.za
saarp@iafrica.com 15

BULLETIN to move into
the 21st century
by Desi Doran
Soon you’ll be able to read the SAARP magazine
on your computer or iPad, enabling you to store
it easily and access it any time
There’s a common perception that older people
have somehow been left behind in the digital
age. Far from it! Research has shown that
older people are embracing the new technology
and enjoying the easy access that the digital
age provides. For example, they now have the
ability to enlarge type to make reading easier
and the privilege of being able to see and speak
to their children in distant countries through
Skype, which is free!
In line with this trend, SAARP has made the
decision to move the SAARP Bulletin from a
printed version to a digital format within the
next year or so.
Worldwide trends
The story of the Bulletin is no different from
that of many other print-based publications.
The Bulletin was started in 1982 and a few
years ago reached a peak circulation of 85 000.
It has now dwindled to just 7 000 and, like
many other printed publications, the Bulletin
will disappear in print format. The same fate
has befallen several print publications, including
South African magazines Cleo, Top Billing,
Shape, SA Garden/Tuin, NewsNow, Scoop and
Sports Illustrated.
Meanwhile, in late 2012, Amazon.co.uk announced
that sales of its Kindle ebooks had
outstripped its sales of printed books for the
first time. Just two years after introducing
the Kindle, Amazon customers were now buy-
16
ing more ebooks than all hardcovers and paperbacks
combined. According to unaudited
figures released by the company, for every
100 hardback and paperback books sold on
Amazon.com, customers downloaded 114
e-books (figures exclude free ebooks). E-book
sales figures have increased since then.
Moving ahead
We are currently researching the best format,
means of production and delivery for a digital
Bulletin, and once we have done that, we will
be able to provide members with details and
costs. For those of you who already enjoy your
commercial magazines on your computer, laptop
or tablet, you will have an idea of what we
have in mind. In a recent survey amongst our
newsletter readers, we asked whether pdf or
html newsletters were prefered. The response
was overwhelmingly in favour of html, a clear
indication that our readers enjoy a more ‘responsive’
digital format.
Until the Bulletin changes format, those who
have subscribed to the printed Bulletin will still
continue to receive their copy.
Benefits of digital ‘readers’
Research has shown a number of benefits digital
e-readers have over printed books, for senior
citizens. E-readers (such as the Kindle, Nook
or Sony reader) are, contrary to popular belief,
easier on the eyes than traditional books. The
contrast between the text and background is
good; the weight of an e-reader is far lighter
than a book; and one is able to enhance the
size of the font to suit one’s needs.
www.saarp.net

The storage space on an e-reader is also good
- an average e-reader can store hundreds of
books, yet is smaller and lighter than a single
book. For travelling, this means, for example,
that you don’t have to carry 10 bulky books
on holiday with you. You simply load up your
e-reader with your choice of holiday reading
material, slip it into your hand luggage, and off
you go.
Battery life is good, too. Your e-reader will last
many a novel before needing a recharge.
Digital reading options
Digital documents can be read on a variety of
hardware options: desktop computer, laptop
computer, tablet or e-reader.
‘Tablets’ generally mean products such as
the Apple iPad, the Samsung Galaxy, and the
Google Nexus. There is a variety of tablets
to choose from, and these generally come in
10-inch or 7-inch models.
‘E-readers’ generally mean products such as
the Kindle (and its numerous variations), or the
Nook, produced by Barnes & Noble.
You can read magazines and books on both
tablets and e-readers, but e-readers are – generally
speaking - better for text-heavy items
such as novels, and are said to be easier on
the eyes as they are not back-lit. Tablets are
– again, generally speaking – better for items
such as magazines, which contain images and
text.
Tablets are more flexible, and can be used for
surfing the internet, sending and receiving
e-mails, and even for working on Word or Excel
documents. The differences between tablets
and e-readers are rapidly being blurred as each
new product is released. If you set out to buy
one of these, do as much research as possible
and choose the product that best suits your
needs.
Costs
An e-reader will cost anywhere between R800
and R2 000. Once you have the reader, a newly
released novel by a well-known author will cost
around US $17 (R155), while older novels and
books can cost as little as a couple of dollars,
or nothing at all. In fact, many of the classics
are available for free download.
A tablet can cost anywhere between R1 500
and R10 000, but tablets are also available
with an MTN, Cell C or Vodacom contract (from
around R360 per month), which gives you 3G
internet connectivity.
Making the leap
Many senior citizens have not embraced technology
for fear that they will not be able to
master it. Don’t be afraid! Like many other
obstacles, this one only looks large from a distance.
Of course you may be confused at first –
anybody could be – but very soon you will have
mastered your computer, e-reader or tablet,
and you too can start to enjoy incredible access
to books and magazines covering every possible
interest you may have!
saarp@iafrica.com 17

Enjoy 3 000 top international radio
stations – in your home - free!
by Philip Bateman
Did you know that there’s a feast of radio for
you to choose from, online?
Feel like some Mozart from Austria? Health
news from China? Australia cricket? Or maybe,
the BBC news?
All this – and more – is available to you right
now through Internet radio. By simply logging
into your computer, you have access to at least
3 000 top radio stations across the world. And
the beauty is that reception is perfect, as it’s
digitally streamed.
It’s important to realise what came before this,
to appreciate the brilliance of this digital breakthrough.
Remember the old days of shortwave radio?
This was formerly the only way you could
receive international programmes. Specialised
receivers were expensive, costing up to
R2 000 or more, but they were cracking good.
In fact one of the best – the Barlow Wadley –
was invented by a South African scientist and
was adopted by a major Japanese radio manufacturer.
You needed a sizeable wire aerial – preferably
strung up as high as possible – and this provided
the best volume. You were also armed
with a list of frequencies for your favourite
programmes and would have to change these,
sometimes hourly, to catch the best reception
for the station and the locale. One of the snags
was that reception depended on a freak of nature
called ‘skip’ so it wasn’t always possible to
hear anything but hissing, or as the writer, H
V Morton put it, the sound of dwarves quarreling
in a tin mine. And at times, all you got was
silence. Rather too often, actually.
All major stations broadcast on shortwave but
the signal was bounced off the rather unreli-
18
able ionosphere and that was the reason for
the frequent absence of signals. You certainly
couldn’t bank on following a weekly series of
talks for instance.
Now all this has been supplemented (not replaced,
note) by digital radio and you have full
access to perfect reception, 24 hours a day.
There are several ways of receiving Internet
radio signals.
1. tHROUGH INteRNet
We’ll assume you have wi-fi as it’s practically
standard nowadays.
Simply go to Google and search using the terms
‘Internet radio.’ You could also use the search
terms ‘web radio’, ‘net radio’ and ‘streaming
radio,’ Up will come a rich harvest of portals
which you can use to access stations of your
choice. For example: http://www.radioguide.
fm/.
This portal lists at least 60 countries and these
in turn offer numerous radio stations. Click on
the country’s flag and you will be able to choose
programmes offered by that country. Yes, even
South Africa is listed! The number is staggering.
England, for instance, displays no fewer
than 112 stations. Then you simply click on the
station’s icon and – lo and behold – it will play.
Of course you’ll need to have a sound card in
your computer (who hasn’t?) and it’s desirable
to attach a good set of speakers or a sound system
so that you can enjoy superb hi-fi reception.
You can also sort stations via a variety of
genres - from Classical to Oldies, Latino to
News, from Soul to Disco, from Country to
Christian.
www.saarp.net

You name it – it’s there.
Today, Internet radio is fast and immediate
– as simple as searching for a
news item on Google. You’ll love it.
2. VIa a DeVICe
Any device that can go online will
provide you with the same service,
although size does play a role. For instance,
sound on a Blackberry cannot
compare with that of a self-standing
computer with additional speakers. So
you can listen via an iPad, cell phone,
laptop and more.
And, of course, as a DSTV subscriber,
you can you use your TV to listen to a
variety of radio programmes.
3. VIa aN INteRNet RaDIO
You’ll probably have noticed that devices
are increasingly overlapping in function.
Computers can act as telephones, iPads
can become cameras and so on.
In this struggle for supremacy a new creature
has emerged - the Internet radio. These are
devices that look and act like traditional radios
but are in fact, largely dedicated to receiving
Internet radio signals. The only thing is that
you can’t tune in like a normal radio as they
are actually computers dressed up to look like
radios.
The Pure One Flow asks you to log into their
website and register your radio. Having done
so, you can then access thousands of possible
stations. You simply click through the menu
(you can sort by genre) and the device will
remember the ones of your choice so that you
can call them up at a touch of the button. This
particular radio, which is widely available in
the UK, cannot receive standard radio signals
but offers superb tone and instant access to
Internet stations. It is either plugged in to the
mains or can become a portable with its optional
extra rechargable battery. The UK price
is about £100. (R1 400).
wi-fi radios like these enable you to pick up thousands
of international stations with perfect digital reception.
while they look like radios, they are, in fact, computers in
disguise.
Another model – now available in South Africa
- is the Roberts Stream 205. Looking a
bit old-fashioned, it is deceptively hi-tech. It
conceals an extremely versatile Internet radio
providing access to thousands of international
programmes and up to 15 pre-set stations for
instant access.
Unlike the Pure One Flow it takes standard
batteries so is as portable as an Internet radio
could ever be (remember, you have to be in a
wi-fi zone to receive signals).
An added advantage is that it also houses a
standard FM radio and is also equipped to pick
up direct digital radio signals – perfect when
digital radio is introduced into South Africa. By
using its Listen Again feature you can listen to
previously broadcast material from the BBC.
The digital world moves fast and the Internet
radio concept is a remarkable breakthrough,
dooming the handsome and costly shortwave
radios of yesterday into collectors’ pieces – but
providing you with access to thousands of superb
radio programmes.
saarp@iafrica.com 19

Waarom jy jou ID-nOmmERS op jou
dokumente moet nagaan as jy ouer as 25 is
deur Ray Hattingh
Die verandering van alle Suid-Afrikaanse IDnommers
in die jare 80 kan meebring dat jou
dokumente soos versekeringspolisse “verkeerde”
ID-nommers op hulle het
Jy dink waarskynlik dat al jou sake in orde is.
Jou testament is opgestel en geteken en al die
volmagte toegeken.
Om die waarheid te sê: jy is waarskynlik oortuig
dat daar nêrens iets skort nie. Veral nie
met daardie versekeringspolisse wat jy 25 jaar
gelede uitgeneem het nie.
Dink weer. Het jy geweet dat alle Suid-Afrikaanse
ID-nommers in die jare 80 verander is
– en dat jy dokumente mag hê wat iewers in ’n
bank of elders bewaar word wat die “verkeerde”
ID-nommer op hulle het.
Die rede daarvoor is dat nommers tot in daardie
stadium ’n rasseklassifikasie gehad het wat
jou in een van agt rasgegronde kategorieë geplaas
het. Met die aantog van demokrasie is dit
in daardie stadium verwyder en as gevolg daarvan
het almal ’n nuwe ID-nommer ontvang.
Mens vertrou dat niemand sal argumenteer dat
die twee verskillende nommers aan twee verskillende
persone behoort nie, maar dit is beter
om aan die veilige kant te wees en seker te
maak dat al jou dokumente die korrekte huidige
nommer bevat.
’n Kaapse eksekuteur stel dit so: “Dit is baie
beter om alles in orde te kry terwyl jy nog lewe,
omdat jy nie daar sal wees om enige onreëlmatigheid
te verduidelik nie. Dit kan moontlik die
afhandeling van jou boedel vertraag. Jy moet
in elk geval alle dokumente hersien wat jy jare
gelede opgestel het, omdat hulle ’n magdom
foute kan bevat, sommige waarvan deur die
verloop van tyd alleen veroorsaak is.”
20
Wat jy op jou versekeringspolisse moet
nagaan:
• Die ID-nommer
• Die spelwyse van die name
• Die begunstigde
ID-NOMMeR: Na 1987 is alle bestaande IDnommers
heruitgereik met nuwe syfers in die
laaste twee velde. Dit beteken dat jou polisdokument
003 in die laaste syfers mag hê
terwyl jou huidige nommer op 083 eindig. Die
versekeringsmaatskappy sal bewys wil hê dat
dit een en dieselfde persoon is.
NaMe: As jou polisdokument jou naam weergee
as Johann Jacob Lemmer en jou ID-dokument
gee dit weer as Johan Jacob Lemmer, sal
die versekeringsmaatskappy bewys wil ontvang
dat dit een en dieselfde persoon is.
beGUNStIGDe: Uit die aard van die saak sal
jy moet seker maak dat besonderhede oor die
begunstigde korrek en op datum is. Menige
huidige vroue het al byvoorbeeld skade gely
omdat die begunstigde nooit van die eerste
vrou af verander is nie. Wat het gebeur as die
benoemde begunstigde voor die polishouer
oorlede is? Of getroud is en ’n naamsverandering
ondergaan het?
Verskille tussen die inligting op die polisdokument
en die oorledene se ID-boek kan lang
vertragings in uitbetaling van voordele veroorsaak.
(My laaste drie syfers het van 003 na 083
verander.)
As jou polis as sekering gesedeer is, en die
skuld is intussen afbetaal, maak seker dat die
sessie gekanselleer is en die polisdokument aan
jou terugbesorg is. Banke verloor gereeld hier-
www.saarp.net

die dokumente en jy sal ’n duplikaat van die
versekeraar moet aanvra. (Ek moes dit doen.)
HOe OM beSONDeRHeDe VaN DIe beGUN-
StIGDe te WySIG
• Gaan al jou polisse na en maak seker dat
daar in werklikheid ’n begunstigde by elkeen
geregistreer is.
• Sommige polishouers het gereël dat sekere
van hulle polisse direk in hulle boedel inbetaal
moet word. Dit skep fondse vir die
betaling van “laaste uitgawes” wat betaal
moet word, insluitend die eksekuteur se
vergoeding.
• Dit word ook aanbeveel dat ’n begunstigde
vir die boedel aangewys word.
• Bel jou versekeringsmaatskappy se inbelsentrum
en versoek dat ’n verandering of
korreksie aangebring word of dat ’n beguns-
tigde geregistreer word (hou jou polisnommer
en ID-besonderhede byderhand) of lê
besoek af by een van die takkantore van die
maatskappy.
• Sommige maatskappye sal besonderhede
oor die telefoon verander. Ander sal die
voltooiing van ’n nuwe begunstigde-vorm
vereis.
• As ’n nuwe vorm vereis word, vra dat hulle
dit vir voltooiing aanstuur.
’N PaaR INteReSSaNte WebWeRWe
1. Suid-Afrikaanse ID-nommers in die apartheid-era:
http://africanhistory.about.com/
library/bl/blIdentityNumber.htm
2. Hoe om die geldigheid van Suid-Afrikaanse
ID-nommers vas te stel: http://geekswithblogs.
net/willemf/archive/2005/10/30/58561.aspx
• Syfer 11 dui burgerskap aan. 0 verwys na ’n Suid-Afrikaanse burger. 1 verwys na ’n
nie-SA-burger met permanente verblyfreg.
• Syfer 12 is tans 8 of 9. Tot 1987 was dit ’n rasaanduider. Na 1987 is alle bestaande
nommers heruitgereik met nuwe syfers in die laaste twee velde.
• Syfer 13 is ’n kontrolesyfer.
Jou Suid-Afrikaanse
ID-nommer verduidelik
• Syfers 1-6 verteenwoordig jou geboortedatum.
• Syfers 7-10 is ’n volgnommer geregistreer met
dieselfde geboortedatum (waar vroulikes die volgnommers
in die reeks 0000 tot 4999 ontvang en
manlikes van 5000 tot 9999).
As ons die ID-nommer 8001015009087 as voorbeeld gebruik, lees dit soos volg:
Die ID-nommer dui ’n manlike persoon aan wat op 1 Januarie 1980 gebore is. Hy was die
tiende manlike persoon wat op daardie dag geregistreer is. (Die eerste manlike persoon wat
op daardie dag geregistreer is, sou die nommer 5000 ontvang het.)
saarp@iafrica.com 21

Keep your brain agile –
at any age!
by Philip Bateman
You can do a great deal to stave off declining
brain function
• At 93, Joe Levy, a former Johannesburg attorney,
jogs each day and is an enthusiastic
member of his bowling club. He also lectures
regularly.
• Mary Hobhouse, an 89-year-old retired Durban
teacher, runs a busy nursery school, is an
avid reader and helps out at her church.
• 86-year-old Capetonian, Russel Fourie, who
worked in the accounts department of a motor
company before retiring at 65, goes to gym
daily and attends the University of the Third
Age regularly.
All of these active senior citizens have discovered
that mental and physical activity is the key to
keeping their brain active. Researchers have confirmed
that vital people like this live healthier and
more fulfilling lives – and live longer.
Here are some tips to keep your brain cells
pumping:
exercise your body
Whether we like it or not, exercise is the key to
keeping your brain active. Exercise forestalls
mental decline and may even reverse some of the
effects of ageing.
Numerous animal studies have shown that aerobic
exercise improves capillary development in
the brain, resulting in better nutrition and oxygenation.
It certainly helps prevent heart disease,
diabetes, obesity and other ailments that increase
the risk of brain decline.
Dr Mark McDaniel, Professor of Psychology at
Washington University in St Louis, suggests a
combination of aerobics and weight training.
22
exercise your brain
“There’s no point in eating correctly and exercising
if you don’t use your brain as well,” advises a
Cape Town physician. “Research has shown that
your brain starts a natural slowing down process
when you are about 30, but that you can reverse
much of this through using your brain correctly.”
You can find online training programmes that can
help you do this. Some even show regular graphs
that demonstrate improvement in, for instance,
speed and accuracy. Nintendo has a game called
Brain Age: Train your Brain in Minutes a Day
which has sold more than two million copies in
Japan alone.
You have nothing to lose by taking on activities
that stimulate neurons. You have hundreds of
choices including chess, bridge, jigsaws, learning
new languages, taking courses, to name just
a few. Most of these can be done online, enabling
you to interact with others at all times, day and
night.
If you don’t have a computer, there are also other
ways to exercise your brain the ‘old-fashioned’
www.saarp.net

(but equally good) way. Books of crossword puzzles,
Sudoku, mental arithmetic and other puzzles
are available at most bookshops and are a
marvellous way to keep the grey matter in shape!
Get enough sleep
While some recent studies have shown that older
people might need marginally less sleep, many
are sleep-deprived. The truth is that while you
might think you can get by with less, you may be
depriving your brain of the healing and regeneration
that takes place during sleep.
Researchers have shown that sleep reduces
oxidative stress, restores energy and promotes
the growth of neurons. An added bonus is that
sufficient sleep sparks creativity: it appears that
the brain tackles complex problems at night and
may even provide you with a ready-made solution
when you wake.
eat properly
Over the years doctors have echoed the value of a
balanced diet and now, more than ever before, we
recognise the benefits of this.
Eat food rich in antioxidants as these neutralise
dreaded free radicals. Pick food high in these
including colourful fruits and vegetables as well
as certain beans, nuts, berries, spices and whole
grains. Here are some of the key foodstuffs used
in these studies: blueberry, strawberry, spinach,
boysenberry, cranberry, black currant, pomegranate,
dried plum, grapes and Vitamin E.
Make sure your weight is within normal limits. If
you have a weight problem, then see a dietician or
adopt a weight reducing programme such as the
Atkins Diet.
Reduce stress
Research has shown that stress can have a detrimental
effect on brain integrity. “Stress upsets
activities such as memory and learning,” says a
Cape Town psychologist, which reduces performance.
All this can be measured through psychometric
tests.”
A part of the brain called the hippocampus, which
is responsible for memory formation, is affected
the most.
All this can be minimised through exercise (which
relieves stress) as well as meditation, yoga or
relaxing into a pastime that really involves you,
such as painting.
Laugh a lot
We know that happiness is good for the general
well-being, which includes brain functioning. But
laughter stimulates the parts of the brain that
produce dopamine – the ‘feel good’ chemical. We
know that you function better intellectually when
you’re feeling relaxed and happy so there’s a
pretty good chance that humour is good for your
brain. Researchers are still investigating this but
a study of university students at the University of
New Mexico showed that those with higher intelligence
had a superior sense of humour.
Recognise the power of wisdom
Against the popular notion that we lose brain
power as we get older, certain aspects of intelligence
actually increase as we age – for instance,
vocabulary. This factor is so pronounced that
intelligence tests actually mark down older people
in certain areas. On the other hand certain skills
do deteriorate – such as the speed of processing
maths problems – but this can be improved
through practice. Accept that age has given you a
superior ability to synthesise and integrate information,
as well as a vast databank of facts to
draw on, so you will be able to work out solutions
far faster that your younger counterparts. We also
know that merely thinking that you have mental
ability increases brain performance.
“We can do an enormous amount to keep stimulating
our brains, no matter how old we get,”
says a 68-year-old Cape Town businessman who
regularly wins international cognitive championships.
“It’s just a matter of keeping your brain
cells stimulated.”
saarp@iafrica.com 23

Discovering the world of
HEaRING aIDs
by Bruce Bayer
A SAARP member shares his experiences on
buying hearing aids – and provides some firsthand
tips
Loss of hearing is a common ageing problem.
My hearing deteriorated to the point where I
needed some kind of aid. Hearing loss is said to
be harder to cope with than loss of eyesight.
Not being able to hear makes life really uncomfortable
and cuts one off from society most terribly.
It’s very tough on the person involved and
also on family members and friends as they
struggle to communicate – tougher, I would
say, than if it were the eyesight that had gone.
When I started exploring the field of hearing
aids, it seemed to me that it was something
like the landscape gardening industry. Anyone
could become a provider of hearing aids. A sort
of get-rich quick industry where all you needed
was an audiogram (a measuring device to establish
the degree of hearing loss in each ear)
and - hey presto – we have a business! Choose
an instrument for inside or outside the ear,
pay a lot of money and your hearing troubles
are over! How naïeve I was at the outset of my
investigation!
People should be advised that there are two
kinds of hearing aid advisor. One is the audiometrist
who is technically trained to provide
and service hearing aids, and the academically
trained and qualified audiologist who can treat
hearing loss and deficiency. Choosing where to
go and the right one is not so simple – there are
many different types, as I’ve said!
My experience was not very good. My feelings
about the first audiometrist I went to was that
it was a seedy operation focused on benefitting
the supplier rather than the customer. Eventually
I went to an audiologist. This was an
24
impressive experience and I acquired two hearing
aids (in-the-ear devices) that served fairly
well for several years and I assumed any of the
problems I experienced were normal.
My hearing improvement was not all that great
but there seemed to be no way that the audiologist
could detect any problem unless I explained
it in detail. Even now I cannot articulate
the discomfort and hearing difficulties I
experienced. Then I lost one of the two devices.
When I replaced it, I found that my existing
system was now out of date, and I was given
one new model.
I accepted all the warnings about changed
technology, ageing of the one device I still had
etc, but it was the new device that I found quite
useless. It did have added technology of extra
functions (switches for use of telephone and for
conversational hearing in crowded places) but
even standard hearing was unsatisfactory and
for two more years I just relied on my single old
instrument.
Eventually that gave problems and it was sent
away for repair. Meantime what happened to
the second, newer one?
The problem was that I was not consulting
only one audiologist, but each time I visited the
practice, I found myself seeing another recruit
to the practice – sometimes inexperienced
people, more anxious to meet the requirements
of the owner, it seemed, than to solve my problems.
The most difficult part of all is one’s inability to
articulate what you hear and what your needs
are when you are ignorant about the technology,
what aids are available, what add-on gadgetry
they have, and how affordable they are.
So all I got out of this process was increasing
www.saarp.net

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saarp@iafrica.com 25

frustration and distrust of all levels of the audiology
profession, despite their best efforts.
Eventually, when it became so bad that my wife
could not work out if I was wearing my aid (the
original one) or not, I went to another audiologist
- this time he turned out to be a true professional
- though with great misgivings did I
enter that door, due to my past experience.
It was the best thing I ever did. This is because
I asked specifically if I could expect experience
and knowledge.
What a surprise to find someone who could
confidently and credibly explain just what the
new technology was all about, and consider
ways to meet my needs. The new technology
enables the audiologist to monitor what a
hearing aid needs to deliver across the seven
frequency bands for which each ear is tested.
On delivery of the aids, a follow-up is scheduled
where a test is done to check if that delivery is
OK and that you are satisfied with it. No promise
is made that you will re-gain 100% of your
normal hearing, obviously, because your body
is ageing, and outside help in the form of an aid
can only do so much.
26
BRUCE BAyER, who describes himself as a ‘retired
idealist’, lives with his wife on a smallholding in Kuils
River in the Cape.
His hobby is his interest in plants and he has a
passion for exploring what they tell him about ‘where
science should really be taking us – if we truly practised
it.’
He asserts that old people are ‘a vast source of wisdom
and experience and should be recognised as
such’ and his motto is: ‘what you can do tomorrow, do
today, and what you can do today do NOW.’
Here are my tips for people wishing to buy
hearing aids:
• Ensure that the person you see is experienced
and competent.
• Be aware that it’s not necessary to have all
the various switches and modes on offer as
this can double the price and not add anything
to the end result.
• Check that the technology to test your hearing
aids is up to date and also available
after fitting.
• Be sure what the guarantee is and any
follow-up treatment or consultations that
should be offered.
• Be aware that there are ‘in the ear’ and ‘behind
the ear’ devices. Their price is about
the same except that with ‘behind the ear’
ones you get a free trial whereas ‘in the ear’
devices are a once-off and no trial is available
as the moulds are made to fit the individual’s
ear canal.
Follow this advice and you will stand a good
chance of acquiring a device that can improve
your lifestyle and not break the budget.
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

Eat better, live longer
by Philip Bateman
Choose carefully what to eat – and avoid – and
you’ll add healthy years to your life
People are living longer. In the last half century
average life expectancy in the western world
has extended from 70 to 80 years. Researchers
expect it to rise to 90 in the next 50 years.
The reason includes better medical care and an
awareness of lifestyle factors that affect health,
including diet.
“By becoming aware of how eating habits determine
your health, you can add years to your
life,” says a Cape Town physician, Dr Albert
Richterson. “Nothing’s guaranteed, of course,
but you give yourself a far better shot at not
only living longer but also enjoying an improved
quality of life. Diet plays a large role in achieving
this.”
Here are some of the key dietary tips that can
help you achieve this.
Eat less
While studies on humans are still in progress,
researchers have shown that mice, rats and
monkeys can double their life span when their
food intake is reduced by a third. Researchers
believe that this puts less strain on the metabolic
system, with fewer damaging free radicals
being produced.
Look out for potassium-rich foods
Bananas provide as much as 4.7 grams of
potassium – exceeding the recommended daily
dose and more than enough to help lower blood
pressure. Eat dried fruits and drink fruit juice
as they are high in potassium, which helps
counteract the damage caused by salt, lowers
blood pressure and the consequent risk
of strokes and heart problems. Incidentally,
it’s best to keep fruit out of the fridge as this
28
intensifies its healthy properties through allowing
it to ripen fully.
Eat onions
Onions have been described as one of Nature’s
best-kept secrets. They are believed to lower
the risk of colo-rectal, ovarian and laryngeal
cancer. They contain high levels of quercetin,
an antioxidant that helps reduce inflammation
as well as sulphur compounds which boost immunity.
Protect your eyes
Make sure you have a regular intake of lutein
and zeaxanthin which can be found in grapes,
broccoli, spinach and kiwi fruit.
Floss your teeth daily
It’s not only eating the right foods that helps
combat ageing, but certain personal hygiene
habits help as well. For instance, daily flossing
can actually increase longevity, says Dr Michael
Roizen, a top US anti-ageing researcher.
Claiming that small food particles constantly
stuck between teeth can take as many as six
years off your age, he goes on to explain that
bacteria that cause tooth decay can set off arterial
inflammation which is a precursor of heart
disease. Research indicates that flossing may
also help against diabetes and dementia.
Prefer bacon to sausages
One way of extending your life is to cut your
intake of saturated fat which can increase
your risk of heart disease and dementia. Lean
trimmed bacon is preferable to sausages.
Choose red items
Red peppers are desirable as they are packed
with Vitamin C – more than in oranges, in fact.
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Tomatoes contain lots of lycopene, a powerful
antioxidant. Cooking enhances the strength.
Red grapes, too, are valuable as they contain
resveratrol, believed to protect you from cancer
and heart disease.
Eat prunes
Natural health fundis often punt the virtues of
blueberries, blackberries and pomegranates because
of their high antioxidant content. But did
you know that the common prune tops the list,
so is undoubtedly a key ‘super food’ – as well as
being among the cheapest?
Drink the right stuff
Harvard researchers suspect that tea helps
blood vessels relax. Tea does indeed reduce the
impact of stress hormones, and may even increase
survival rate after heart attacks by more
than 20%.
Milk is rich in vitamin D which has anti-inflammatory
properties. This can help treat and prevent
rheumatoid arthritis which results from an
inflammatory response.
It’s almost a cliché that a glass of (red) wine at
night is good for you. But avoid drinking more
than that as this will increase your chances
of developing mouth, throat, oesophageal,
breast and bowel cancer. A single glass will
provide you with optimum amount of flavonoids
and resveratrol – substances which could
lessen your risk of contracting certain cancers
and stave off neurological diseases such as
Alzheimer’s.
Eat foodstuffs that boost cardiac
functioning
Ensure you obtain sufficient nutrients to ward
off heart disease. These should include omega-3
fatty acids and vegetable oils, soluble fibre
(which is high in oats, peas and beans), Vitamin
B12 and potassium, found in root vegetables
and bananas.
Concludes Dr Richterson, “The simplest way of
making sure you are eating properly to optimise
your chances of living longer is to maintain a
balanced diet – at the same time, concentrating
on key, proven foods we have identified here.”
saarp@iafrica.com 29

Grow a hERB GARDEN in
your kitchen
by Caroline Bateman
No matter where you live, you can enjoy the
health benefits of fresh herbs all year round
“Here’s flowers for you; Hot lavender,
mints, savoury, marjoram…” Shakespeare
Who better to listen to on the subject of
herbs than Jamie Oliver, who says, “Herbs
are the cornerstone of all genius cooking
– it’s all about herbs. And if you use them
on a regular basis you will be a healthier
person.” Herbs can transform an average
dish into something sublime. “You will
notice loads more flavours, sensations and
dynamism in your cooking,” continues Jamie,
and certainly to watch his TV cooking
programmes (you can also catch his You-
Tube clips), what he does with herbs is most
enticing.
What is so delightful, and what Jamie points
out too, is that you can grow your own herbs,
whether you have a garden patch, or live in a
block of flats and use the windowsill. All they
need is care, several hours of sunlight and
regular watering.
The so-called ‘soft’ herbs are basil, tarragon,
chervil, parsley – these are fragile and need to
be re-started each year. The woody, hardier
ones such as bay, saffron and rosemary will
keep going all year round (they may die back
a little but one can take cuttings from them
to re-plant). Chives and parsley have low sun
requirements and are easy to grow. Oregano,
rosemary and thyme are relatively easy to grow
too, though these need abundant light, as they
grow naturally in sunny, Mediterranean climes.
It is far easier and less time-consuming to grow
herbs from plants rather than seeds. Use a pot
or container at least six inches or larger, and
with drainage holes. The larger the pot, the
30
more space for roots to grow - a big plant yields
a larger harvest! Use a fast-draining potting
mix as garden soil will compact in containers
and smother the roots. A liquid fertiliser every
four weeks will ensure good growth.
Which herb for which dish?
basil - Delicious in pasta sauces (the basis for
pesto), salads, soups or with meat poultry and
fish.
Chives - These have a mild, oniony flavour.
Chop and add to salads, egg and cheese dishes,
mashed potato and sauces.
Coriander - Very good flavour in curries and
Thai dishes. The dried seeds crushed are also
used in curries or dusted over meat.
Mint - A must-have herb ideal for garnishing
puddings or to float in ice-cold drinks. Mint
sauce is excellent with lamb, and mint leaves
chopped add a fresh kick to salads, too.
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Parsley - Can be used in most dishes – salads,
soups, stews and omelettes. Also as a fresh
garnish with meat, fish and poultry dishes.
Sage - Excellent as an ingredient in stuffing,
for poultry. Also used with pork, lamb and in
cheese dishes and omelettes.
thyme - Also used in stuffing, this herb is
good with all meat dishes, soups, stews and
goes well with potato dishes. Tea can be made
by pouring boiling water over some thyme,
rosemary and mint.
A couple of Jamie
Oliver’s dishes using
herbs…
• For a marvellous dish of roasted vegetables, lay out cut
peppers, onion, butternut, leeks, courgettes, aubergine
and tomatoes on a roasting pan. Sprinkle some garlic
cloves over everything, together with salt and freshly
ground pepper. Then decorate generously with sprigs of
rosemary and thyme. Drizzle all over with olive oil. Roast
in the oven on high until well done and even slightly charred.
Lavender -Makes a delicious flavour for icecream!
Traditionally used in potpourris or in
sachets to keep laundry smelling fresh. Decorate
your puddings with a sprig of it, too!
Rosemary - Tasty with meat dishes (especially
lamb), fish, sauces and wonderful with potato.
Rocket - With its peppery flavour, rocket is
ideal with pizza, pasta and in salads. The more
you pick the more it will grow (as with basil).
• For delicious roast potatoes, peel potatoes and cut to good-sized pieces. Par boil on stove
for about ten minutes, then drain in colander and allow to dry a little. Shake the colander
to chuff up the potatoes, which will help with crisping later. Place in a roasting pan with olive
oil and a little butter. Season the potatoes well with salt and pepper and baste with oil,
then roast for 30 minutes. Remove from oven and squash each potato with a masher –
the more surface area in contact with the fat the crisper they will eventually become. Now
in a small bowl mix together some olive oil, a bunch of fresh rosemary (OR thyme and bay
leaves), a bulb of garlic, broken into cloves and a splash of red wine vinegar. Mix up well
and add to potatoes, then replace in oven to roast for a further 40-45 minutes. Drain on
paper towel.
saarp@iafrica.com 31

BUyER BEWARE: snake oil
still flourishes
by Professor JP van Niekerk, Dean Emeritus,
Faculty of Medicine, University of Cape Town
Snake oil remedies
Nowadays the term ‘snake oil’ is associated with
dubious products often peddled by unscrupulous
marketers, with excessive and false claims about
the benefits of their wares. The word originates
from the late 19th century when Chinese workers
on the American railways used oil from the
Chinese water snake to relieve painful muscles,
joints etc.
It did not take long for salesmen to concoct their
own mixtures of cure-all remedies that they promoted
with dramatic demonstrations in travelling
medical shows. Snake oil equivalents and their
sales people continue to flourish and a gullible
public continues to fall for their unbelievable
claims.
Some big swindles
Laetrile is the name of a product derived from
apricot kernels that has been promoted as effective
in curing cancers since the 1950s. However,
investigations by the US National Institutes of
Health gave the warning: “Patients exposed to
this agent should be instructed about the danger
of cyanide poisoning, and their blood cyanide
levels should be carefully monitored. Amygdalin
(Laetrile) is a toxic drug that is not effective as a
cancer treatment”. It was banned in the US but
desperate sufferers then poured over the borders
to Mexico to receive treatment. It is still readily
available via several websites that also list it as
Vitamin B17 (it is not a vitamin).This has been
described as one of the most successful and money-spinning
cancer quack promotions in medical
history.
the Virodene affair is one of the darkest episodes
in South Africa’s health history. The then
President Thabo Mbeki was an AIDS denialist
and medical treatment was withheld from a large
number of sufferers in South Africa. However,
32
he and his cabinet enthusiastically endorsed a
presentation of an illegally tested claimed cure
for AIDS called Virodene. The Medicines Control
Council (MCC) that regulates what drugs may be
used in the country refused permission for human
experimentation of the product as it was a
poison (toxic solvent) with no proven benefit.
This led to the head of the MCC, Prof Peter Folb,
being fired from his post, for political reasons.
Patients kept calling for Virodene to be made
available as treatment, despite it being demonstratively
harmful, and the ANC was incensed at
being thwarted on medical and scientific grounds.
Another dark cloud descended when the then
Minister of Health, Manto Tshabala-Msimang
pronounced that HIV AIDS could be managed by
dollops of beetroot, garlic, olive oil and the African
potato. This made South Africa the laughing stock
of the world and provided material for a frenzy of
cartoons in the newspapers. She also supported
the activities of Matthias Rath, who claimed that
his programme of vitamins could cure AIDS (and
also diabetes, cardiovascular disease and cancer).
A subsequent Cape High Court judgement put
an end to this, firmly establishing the duty of the
state to enforce the scientific governance of medicines.
These gross cases illustrate the power of beliefs
on humankind. We are programmed to look for
patterns and solutions to life’s problems and
readily fall prey to unscrupulous claims that we
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desperately would like to believe. We are programmed
to believe - or as a friend put it ‘mense
wil verneuk word’ (people want to be conned).
Preying on our desires: flim-flam is alive and
well
For most of us life is hard and ordinary day-today
living is demanding. Generally we all want
to live longer, healthier and happier lives. And
comparisons with others who seem to have these
desirable characteristics in abundance invite
envy with our apparently lesser lot in life. The
advertisers are fully aware of this and are paid
handsomely to promote products that are said
to enhance our lives. Products and programmes
have been developed and promoted to meet all
our desires and lull us into the belief that we can
buy ourselves into better lives.
It is no accident that the beauty industry is one
of the largest in the world, after the worldwide oil
industry. Beauty depicted in magazines, television
and the movies, and at public entertainments
where celebrities abound, creates the powerful
desire to emulate what we see. One of the leaders
of the cosmetic industry when challenged
about the beauty-enhancing and age-reducing
claims that were made for his products conceded
that there was no evidence for this but famously
stated that he was ‘selling dreams’.
Another multi-billion dollar enterprise is the food
supplement industry that claims to improve our
health and add years to our lives.
Most people on the planet hardly look like models
and obesity is one of the main problems. Thus the
massive industry of diet books and all the weight
loss devices and slimming ‘medicines’ that promise
to rid the customer of kilograms without his
having to try.
Even young and very healthy athletes wish to do
better. The recent case of the fallen cycling idol,
Lance Armstrong, who confessed to drug doping
and was stripped of his honours and sponsorships,
is but the tip of the iceberg of a huge
worldwide sporting drug-enhancement scandal.
Clues on how to spot nonsense
beware excessive claims
Products that claim to cure complaints such as
high blood pressure, diabetes, dry skin or enhance
sexual performance are likely to be bogus.
Pseudo-scientific language hides ignorance
Beware peddled products that claim to ‘enhance
the body’s immune system’ or are strong ‘anti-oxidants’
or claim other pseudo-scientific statements
– their producers usually have no clue themselves
what it all means but hope to impress our similar
ignorance.
‘Natural’ does not necessarily mean good
Claims that a product is ‘natural’ and therefore
must be good is nonsense - arsenic is natural
and so is snake poison but neither is good for us.
Many ‘natural products’ have unknown substances
and concentrations that may be detrimental
to people’s health. A common problem at our
hospitals is the admission of desperately ill babies
as a result of treatment with unknown traditional
remedies.
Personalities do not equal proof
Advertisers know that having prominent sports
personalities endorse a product enhances its appeal
for many people. But personal endorsement
is a far cry from proof of benefit. Far more important
is proof from properly supervised scientific
trials.
More expensive does not necessarily mean
better
Fancy packaging, higher prices and outrageous
claims of benefits manage to con us that
this therefore must be better than the standard
product. This is dramatically illustrated in the
cosmetics industry where, for example, expensive
skin creams are most likely no better that the offthe-shelf
products at the local supermarket.
Finally
Huge health enhancing benefits to the world’s
population have resulted from general measures
such as improved food supplies, clean drinking
water (including chlorination to remove bugs and
fluoridation to prevent dental caries), clean and
uncrowded living spaces, and vaccination against
common infectious diseases. At an individual
level, most of us need to add more exercise to our
daily routines. Unless there are good specific indications
for medicines, we would do well to take
fewer rather than more (our society is generally
over-medicated). So-called beauty and healthenhancing
products are mostly a waste of money
and are more likely to be harmful than helpful.
saarp@iafrica.com 33

Klein wonderwerke:
gebruike vir alledaagse dinge
deur Caroline Bateman
Ons loop ons dikwels vas met ’n ding in of om
die huis. Dit kan iets klein of onbenullig wees,
maar dit word ’n reuse probleem as jy nie weet
hoe om dit te hanteer of reg te stel sonder om
winkels toe te hardloop en die gewone selfdoenoplossing
ten duurste te gaan koop nie.
Hier is ’n paar prettige maniere om dinge wat jy
reeds het op vreemde en ongewone maniere te
gebruik. Algaande leer jy “’n boer maak ’n plan”
met die minste gesukkel en uitgawe!
Hier is gebruike vir gewone middels wat jy
in jou huis het:
• Het jy ’n aaklige kneusplek? ’n Bietjie asyn
kan die blouheid verminder. Gebruik dit ook
in jou borrelbad om gis-infeksies te verminder
(appel-asyn ruik minder skerp).
• Om blase in jou nuwe stylvolle skoene te
voorkom, smeer ’n bietjie Vaseline aan die
moontlike probleem-areas voordat jy die
skoene aantrek.
• Listerine-mondspoel is ’n kragtige ontsmetmiddel
en nuttig om aan ’n pynlike blaas
te smeer wat oopgegaan het, of om sny- of
skaafplekke te behandel.
• As jy die kleur van naellak wil beoordeel,
plak kleefband oor jou vinger en verf die
naellak daaroor om te kyk of dit jou pas.
• ’n Hare-ontkruller is ’n nuttige stuk gereedskap
om tussen die knope van ’n hemp of
rok te stryk, of enige klein of onhanteerbare
kledingstuk wat jy wil stryk.
• ’n Klein bietjie hande- of lyfroom op jou
hande sal balhorige hare tem as jy jou
hande oor jou hare vryf.
• As jy nog nie gereed is om gimnasium toe
te gaan nie en jou middel het uitgesit, is ’n
noodprosedure soms nodig! Ryg ’n rekkie
34
deur die knoopsgat van jou broek of romp
en haak die ander kant om die knoop vas.
(Onthou om ’n top te dra wat bo-oor hang!)
Hier is ’n paar nuttige gebruike vir
Alka-Seltzer:
• Alka-Seltzer is nie net goed vir maagprobleme
nie! Dit maak ook wonderbaarlik
skoon. As ’n houer se nek te nou is om dit
behoorlik skoon te maak, vul dit halfpad
met water en gooi twee tablette in. Wag tot
die bruising ophou en spoel uit. Die aanpaksel
sal stilweg verdwyn. Dit werk ook vir
kookware van glas.
• Soek jy ’n veilige toiletskoonmaker sonder
chemikalieë? Alka-Seltzer bevat sitroensuur
en is baie doeltreffend. Gooi twee in die bak
en wag 20 minute. Maak dan skoon met ’n
borsel.
• Lyk jou juweliersware vaal? Gooi dit in ’n
bak met bruisende Alka-Seltzer vir twee
minute. Dan sal dit opnuut weer skitter.
• Maak ’n verstopte drein oop deur twee
tablette daarin te gooi gevolg deur ’n koppie
asyn. Wag ’n paar minute en gooi dan warm
water daarin af om dit oop te maak. Dit is
ook ’n goeie manier om slegte reuke in kombuisdreine
te bestry.
• Behandel insekbyte deur twee tablette in
’n halwe glas water te gooi en die oplossing
met watte aan die bytplekke te smeer. Pasop:
moenie dit doen as jy vir asperien allergies
is nie. Alka-Seltzer bevat asperien.
Gebruik aluminiumfoelie so:
• Aluminiumfoelie het baie gebruike. Hou
broodrolletjies en brood vir jou uitstappie of
www.saarp.net

ete warm deur die gebak in ’n servet toe te
draai en foelie daaronder – en selfs daarbo –
te plaas. Dit sal die hitte binne hou.
• Hier is goeie raad as julle op pad is na ’n
hotel toe maar laat gaan aankom. Maak ’n
paar kaastoebroodjies voordat jy vertrek
en draai hulle in foelie toe. As julle daar
aankom, hoef jy net die hotel se strykyster
te neem en die toebroodjies daarmee te
stryk. Groot pret: ’n geroosterde happie vir
die laataand!
• Is aangeslaande silwer vir jou ’n probleem?
Wel, foelie kan jou help. Voer ’n pan met foelie
uit, vul dit met water en gooi twee teelepels
sout daarin. Plaas die aangeslaande
silwerware daarin en laat dit staan vir twee
minute. Spoel dit dan en droog dit af. Die
aluminium tree as katalisator op in ’n molekulêre
reaksie wat ioon-uitruiling genoem
word. Jy kan silwerware wat pas skoongemaak
is, op ’n laag foelie bêre om die aan-
slaan te verhoed. Vir silwerware wat lank
vry van aanslaan moet bly, draai dit in
kleefplastiek toe, druk soveel lug as moontlik
uit en draai dit dan in foelie toe.
(Waarskuwing: Daar is bevind dat dit nie wys is om
jou oorskietvleis in foelie toe te maak nie, veral nie
as dit in tamatiesous is of bedek is met sous wat
baie suur of sout bevat nie. Hierdie kos oksideer die
aluminium en kan dit met verloop van tyd in werklikheid
deurvreet. Dit kan van die aluminium in die
kos laat beland wat die smaak kan aantas en ’n
gesondheidsrisiko kan inhou. Draai dit liewers eers
in kleefplastiek of waspapier toe en dan in foelie.)
So kan jy tandestokkies benut:
• Om te keer dat ’n pot oorkook, plaas ’n
tandestokkie tussen die pot en die deksel.
Dit laat genoeg stoom ontsnap sodat die pot
nie oorkook nie. Dit werk ook vir ’n kasserol-gereg
in die oond.
• Maak aartappels vinniger in die mikrogolf
gaar deur vier tandestokkies aan een kant
van elke aartappel in te druk en dit op
hierdie vier “pote” te laat staan. Op hierdie
manier sal die mikrogolwe al die dele van
die aartappels tegelyk bereik en dit gouer
gaar laat word.
st George’s anglican Cathedral
• As jy kos met naeltjies of knoffel marineer of
kook en die naeltjies of knoffel wil verwyder
voordat jy dit bedien, maak hulle makliker
om raak te sien deur vooraf ’n tandestokkie
deur elkeen te steek sodat hulle makliker
verwyder kan word.
Wenke wat met tandepasta te doen het (nie
die gel-soort nie):
• Dit behandel skaafplekke op leerskoene.
Druk bietjie op die skaafplekke uit en vryf
dit met ’n sagte lap en vee dit dan met ’n
klam lap af.
• Maak ’n klavier se klawers met tandepasta
en ’n tandeborsel skoon. Vee dan met ’n
klam lap af.
• Maak die onderkant van jou strykyster met
’n bietjie tandepasta skoon as die yster koel
is. Vryf dit met ’n lap en spoel af.
• Dit maak die bakke in die badkamer en die
kombuis se chroomwerk doeltreffend skoon.
• Maak die onwelkome puisie tot niet. Druk
pasta saans op die puisie uit en dit sal die
volgende oggend uitgedroog wees.
• Slegte kosreuke kan van jou hande verwyder
word deur jou hande met tandepasta te
was.
Nog twee nuttige wenke:
• Gebruik orige knope om pare oorringe
bymekaar en veilig te hou.
• Vir gekoekte skoenveters, garingdraad of
halskettings, vryf ’n bietjie mielieblom in die
knope in. Dit gee ’n beter greep en beheer.
bRUIKbaRe bRONNe
1. ’n A-Z van ongelooflike gebruike vir alledaagse
dinge. http://www.guardian.co.uk/environment/2007/may/07/ethicalliving.lifeandhealth
2. Buitengewone gebruike vir alledaagse items.
http://www.chicagotribune.com/classified/
realestate/chi-100418-super-products-pic-
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 an up
to 5% annual cash back bonus when
using your SAARP/b-Smart card at
more than 5 600 suppliers nationwide.
The bonus calculated on purchases made
between 16 June and 15 June of the following
year is payable in November, just in
time for your Christmas purchases. Contact
us at SAARP: 021 592 1279 info@saarp.
co.za or Cape Consumers/b-Smart at: 021
409 7600 capecon@capeconsumers.co.za
or SMS “SAARP” followed by your area [e.g.
SAARP Goodwood or SAARP Oudtshoorn] to
32005 and a b-Smart consultant will contact
you.
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 HIR - AVIS. This company offers
SAARP special rates. Book at any AVIS office
by phoning 0861 021 111 and quote the
SAARP Discount number J871801 to qualify
for the lower rates.
36
• 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
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 2013 offer
is valid until December 2013. In order to
qualify for this offer, all members need to
display their SAARP membership cards up
front. This offer applies to cash and Credit
card purchases only, not applicable to Medical
Insurance claims.
What does this OFFeR entail?
• Single Vision Package Deal: R646
• Bifocal Package Deal: R985
• Multifocal Package Deal: R1 505
It will consist of the following benefits:
• One consultation, Vision Fields and Intra
Ocular Pressure
• One pair of Aquity clear prescription
lenses
• A grey sticker frame - should a member
not want a grey sticker or free frame, the
member must pay the value of the frame
opted for in full.
• All SAARP members qualify for the normal
2.5% My Own Loyalty similar to all
other SpecSavers customers.
In the event of a member not requiring spectacles a
consultation fee of R365 will apply.
(Note: it is important to note that this offer is
available to SAARP members who pay for the
service in cash and does not apply to members
www.saarp.net

who want the payment to be made by their
medical schemes. This offer excludes all other
offers.)
• HEARING AIDS Get discounts on these from
Impact Hearing. Phone 012 348 9350
FINaNCIaL PLaNNING
• FREE WILL SERVICE through Warwick
Trust & Administrative Services (PTY) Ltd
Tel: 0800 50 50 50.
• SAARP WILLS without drafting costs. Many
members have expressed the wish that we
speed up the establishment of the relationship
of trust whereby SAARP is nominated
as a co-executor of our members’ wills. As
a result we have negotiated a special deal
for members that will enable us to ensure
savings on the costs of executing a will.
Depending upon the size and complexity of
your estate, the discount could vary from
20% to 50% off the maximum legislated fees
that are normally charged. You may request
that a Will Request Details form to be sent
to you by contacting Paul Rosenbrock at
paul@saarp.co.za or if you don’t have e-mail
access, by fax to Paul at 021 592 1284 or by
telephone at 021 592 1279.
SaaRP aND GeNeRaL beNeFItS
• SAARP SENIOR CITIZEN MEMBERSHIP
CARD. This is used all over South Africa,
and the world, to obtain agerelated
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.
• 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: SAA-
RP. Bank: ABSA Cape Town.
Account No: 4057451765.
ABSA universal code for electronic
banking: 632005.
In the reference section of the deposit slip,
or the similar section on electronic payments,
please quote your initials, surname
and SAARP membership number as 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 or e-mail: info@
saarp.co.za or address it to: 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

PROFILE: Discovering
Paul Rosenbrock
This enterprising saaRP director is a man of many
dimensions
I grew up on a smallholding in Honeydew,
Johannesburg, and it was wonderful. My Mom
and Dad didn’t have money, but they were
seriously morally straight people who taught
us that money is one of the last priorities in
life – usually the very last in terms of true and
enduring human values.
I learnt that the Lord is all that counts in the
final analysis – the rest is packed into the bag
that remains here when you leave life.
In the face of stiff opposition in the previous
century, I won my wife’s hand and got married
in 1968. The wedding took place in Carletonville.
It was symbolic in the sense that she had
been the first baby born in Carletonville when it
was still a brand new little mining town.
We have two sons. Johann is a BCom LLB and
currently lives in Canada working at developing
a master franchise and a franchise operation
in movement education for kiddies called Monkeynastix.
Paul is National Sales Manager for
Paarlmedia.
My own career spanned several professions. I
was in real estate in the early 1970s, President
of the Pinetown Chamber of Commerce and
also in municipal politics - eventually Mayor
of Queensburgh, Natal from 1978 – 1980.
Then I was involved in life assurance for some
20 years – from 1975 – 1995. Through this,
I became Regional Manager for Sanlam in
Pinetown building the business into a regional
one in which I had about 40 representatives on
the road and another 15 or so administrative
support staff and then Marketing Manager for
Sanlam Group Schemes,
I transferred to SANLAM Head Office in 1991
38
and went on early retirement in 1995 at my
own request because I could see changes approaching
due to the country’s political shift.
I then built and operated Bell Rosen Guesthouse
in Welgemoed between 1995 and 2005.
It had 15 bedrooms and two conference centres
plus a facility we called The Lord’s Lounge – a
Gospel coffee lounge.
Part of the reason for this was that I wanted to
create a family business. My younger son had
studied Travel and Tourism at the Cape Technikon
and was taught to look at an ‘own’ enterprise
as a way of using his skills. I wasn’t ready
to sit back yet and this was a way to be able to
build a family enterprise in a sector of the
www.saarp.net

economy that was under-developed at that
time. It also allowed us to build a business
based on Christian principles.
From 2002, I was a non-executive director of
SAARP and an executive director from the end
of 2005.
I have dreams for SAARP which include a
kibbutz-style retirement village, an ‘Eezy Retirement’
plan, an expansion of Old Gold – job
opportunities for seniors and even a franchise
system.
I enjoy computers, travel, video editing and
good wine (especially red) with good friends.
I’m also keen on genealogy – family history –
and have visited the original family home in
Germany and made contact with family members.
Above all, I’m a fairly rabid Christian. It’s quite
a long story and I’ve had a few mind-blowing
experiences. Let’s just say it guides every part
of my life and I try to be an active Christian.
Membership of a church doesn’t make you a
Christian any more than Sports Club membership
makes me a sportsman.
I write poetry (metaphysical mainly) and other
philosophical things, especially about God’s
role in our lives. I’m still apprenticed to learning
to trust Him fully in everything.
We – my wife and I – live in a retirement village
called Othello. Yes, and I still love my wife! I
hope to slowly ease into retirement one day in a
long process (about six of seven years.)
Finally, I’m planning for an extremely long and
pleasant eternity with my family one day!
you are nEvER TOO OlD ..
by Philip Bateman
When Nelson Mandela, one of South Africa’s most famous sons,
stepped out of prison, he was already 71 years old. He went on to
become South Africa’s first democratically elected president and a
Nobel prizewinner.
Throughout history some of the world’s greatest achievers have
been late bloomers. Politicians are renowned for ignoring age
prejudice. Golda Meir was 70 when she became the fourth prime
minister of Israel, emerging from retirement to do so. The average
age of presidents of the USA is nearly 55 years. Back home, former
President De Klerk, at 77 is actively involved in his foundation to
protect the Constitution, and Desmond Tutu, at 81, is an active
and outspoken champion for human rights.
The commercial world is packed with older winners. The founder
of Kentucky Fried Chicken, Harlan David Sanders (better known
as Colonel Sanders) was 65 when he started his business. His idea
of selling chicken dinners to clients at his service station grew into
an international franchise.
Amazingly, there has even been an Olympic champion who was 72 years old! Oscar Swahn won
his first and second Olympic gold medals at 60 in the deer shooting event (no deer were actually
shot). In 1920 he won his final award, winning the silver medal at the age of 72.
As Mark Twain said, “Age is an issue of mind over matter. If you don’t mind, it doesn’t matter.”
saarp@iafrica.com 39

Enjoy a vibrant social life with
SAARP’s Social Clubs
How many members know that the association
offers wonderful club opportunities across the
the country?
Would you enjoy fascinating talks by experts
in their field? Or outings with like-minded
people - including stay-overs in game reserves?
Luncheons? Golf?
All this – and more – is yours through SAARP
Social Clubs – a network of clubs designed to
allow you to get more out of life.
Says Ray Hattingh, the SAARP Director responsible
for clubs, “We are social creatures and
usually find that ‘a pleasure shared is a pleasure
squared.’ We are living longer and staying
healthy due to better medical facilities and
knowledge of the benefits of diet and exercise.
Social interaction is vital in maintaining that
health.”
The social clubs meet this need through
monthly meetings, entertainment, lunches and
outings. In addition, pastimes such as bingo,
scrabble and bridge form part of their activities.
“Regular interaction between the clubs allows
new ideas and experiences to be shared and
this is facilitated through regional meetings
which are held at least once a year in each area
except in the Western Cape where there are
four meetings per year.”
Membership of a club is open to any person
over the age of 50. A low annual membership
fee is levied to pay for the running of the club.
The main groupings of clubs are in the Western
Cape, the Southern Cape, the Eastern Cape
and Kwa-Zulu Natal.
These are some excerpts from recent club minutes
in the Western Cape, showing the wide
range of stimulating activities and achievements:
40
Groote Schuur:
• Subsidised Christmas lunch at the Mowbray
Golf Club, with lucky draws.
• Slide presentation by John Britz on tours he
has led to the Grand Canyon and Nepal.
Fish Hoek
• Christmas Lunch at Clovelly Country Club.
• Membership now at 855.
• Outing to Evita se Peron in Darling for
lunch and a show.
• Speaker from Kalk Bay Shark Centre.
Clarewyn
• Talk by Louis Hartley on family history.
• A talk on the Cape Mountains by Tony Heher.
• Line dancing with Elfie Tomlinson and her
ladies.
Hermanus
• Christmas function at La Vierge Estate with
130 members in attendance.
• Informal picnic braai at Fisherhaven Yacht
Club.
• Three-day/two-night trip to Montagu and
environs.
www.saarp.net

Panorama
• Slide show on Intaka Island.
• Bus trip to Babylonstoren and Fairview in
Franschhoek.
• Christmas lunch at Schoongezicht Restaurant
in Brackenfell.
Pinelands
• Eight-day tour to the Kruger National Park
(26 May – 5 June.)
• A successful move to the Pinelands Bowling
Club, which has been very accommodating;
and a Christmas lunch at the same venue.
• Outing to ostrich farm in Blouberg.
Milnerton
• Theatre and ballet outings including to Coppelia,
Night and Day, Nutcracker Suite and
Dirty Dancing.
• Games mornings.
• Talk by David Davidson on South Africa’s
stand at the Chelsea Flower show.
Tygervalley
• A musical evening entitled “Musical Interlude”
by members Mary and Rosemary.
• Braai at Voortrekker Hall
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 from 1 May - November 2013
(excluding September 2013 in Hermanus). Prices from R272.5O per day (4 sleeper flat).
Contact sandra Davies 028 313 0312 for more details on prices.
Members of Pinelands social
Club on a two-week tour in
sept 2012, seen here at mouth
of one of the tunnels on the
Hexpas Ecotrek.
This provided a stimulating
and unique railway experience
on the old railway
route between De Doorns and
Matroosberg across the Hex
River Pass.
saarp@iafrica.com 41

saaRP social Club information
Whether you live in Bloemfontein, Hermanus, Margate or Gauteng, you can find a SAARP social club.
“We really want to encourage this and it’s amazing how well this idea has caught on,” says Ray Hattingh,
SAARP’s Director of Social Clubs. Ray has a personal (and passionate) commitment to making clubs
work, and regularly travels across South Africa to meet members and start new clubs.
Clubs have regular meetings - typically one a month - as well as arranging outings and other events.
‘We’re constantly looking to set up new clubs as there is so much enthusiasm for this,” adds Ray. “So
if you’re interested in having something in your area, let us know and we’ll set it up for you – with your
assistance, we hope!”
SAARP has a Public Relations Officer in Gauteng who will do a free presentation on SAARP to your
complex, church group, village or club. Phone GG or Bets: 082 377 0939 or e-mail: gg@saarp.co.za
42
CLUB
WESTERN CAPE
NAME PHONE EMAIL
Bellville Johnny Hing 021 919 1671 jonaghing@telkomsa.net
Clarewyn Erica Faure 021 761 7855 efaure@cybersmart.co.za
Constantia Riny Veraar 021 799 7253 r.veraar@vodamail.co.za
Fish Hoek Brenda Murrell 021 782 2719 bgmurrell@telkomsa.net
Groote Schuur Victoria Paterson 021 681 2821 patvic21@gmail.com
Helderberg Chris Marshall 021 855 2218 seal0@absamail.co.za
Hermanus Ingrid Green 028 316 2390 ingridgreen@hermanus.co.za
Milnerton Joy Miles (Acting) 021 972 1638 jm15365@gmail.com
Muizenberg Beryl Thorpe 021 788 7886
Napier Monique Bentall
(Acting)
028 423 3370 Moniquebentall49@gmail.com
Panorama Richard Anders 083 280 2676 annieanders@gmail.com
Pinelands Merle Byworth 021 434 1230 mbyworth@telkomsa.net
Silvermine Enid Stephens 021 789 1065 asoule@netactive.co.za
x2065
EASTERN CAPE
Jeffrey’s Bay Louis Opperman 042 296 0193 arpjbay@lantic.net
PE East Brian Waxham 041 581 3267 briaels@telkomsa.net
PE West Lynne Crothall 041 365 4671 zs2mm@telkomsa.net
FREE STATE
Bloemfontein Judy Mitchell 051 522 7535 charlesjudy.mitchell@gmail.com
KWAZULU-NATAL
Alexandra Henk Barmentloo 039 978 3561
Amanzimtoti Maureen Proctor 031 903 4182 em.maureen@gmailcom
Hillcrest Gloria Humble 031 765 4762 wayneh@ninianh.co.za
Margate Lucas Barnard 039 312 6348 lucasbarnard@lantic.net
Pietermaritzburg Roy MacBean 033 346 2449 angus.r@vodamail.co.za
Pinetown Brian Humphrey 031 709 1959 brianh@telkomsa.net
Umhlanga John Young 031 572 4421 young@absamail.co.za
SOUTHERN CAPE
George Pam Hodgson 044 884 0351 mwpamhod@mweb.co.za
Sedgefield Ros Macmillan 044 343 1877 ramacmillan@hotmail.co.uk
GAUTENG
North Rand Jeff Hollingdale asdic@mweb.co.za
Temba S Llale 012 717 3103 /
084 671 1080
www.saarp.net

7885
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unresolved disputes, support resolution through the Ombudsman for Banking Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NCR Reg No NCRCP16).
saarp@iafrica.com 43

44
ACCOmmODATIOn:
FeatUReD tOURS
COnTACT Xl mIllEnnIum TRAvEl:
Johannesburg: Melinda Letchman on tel: 011 453 1401 or e-mail: melinda@millenniumtravel.co.za
Best Of Kenya – 7-day safari
• Combination of Safari lodges and a luxury tented camps.
This tour showcases the snow-capped peaks of Mount Kenya, the arid but beautiful northern Samburu district, the
world famous Masai Mara National Reserve, Lake Nakuru, home to over one million flamingos, and an overview of
the lakes and volcanoes of the Great Rift Valley.
ITInERARY:
Cape Town: Letitia Muller on tel: 021 590 7900 or e-mail: letitiam@milllenniumtravel.co.za
Day 1, Friday - The slopes of Mount Kenya: After being collected from your Nairobi hotel (or the airport), you will
be driven across the plains of Mount Kenya and up into the foothills and forests of the second highest mountain in
Africa. Arriving in time for lunch at the Serena Mountain Lodge, you are free to spend the afternoon watching the
game around the water hole, taking a forest walk or visiting the photo-hide. One of the world’s highest National
Parks, Mount Kenya is an extinct volcano some three and a half million years old. Straddling the equator, the
mountain offers a unique mosaic of forest, moorland, rock and ice and is crowned by the glittering twin peaks of
Batian (5,199 m) and Nelion (5,188 m).
Day 2, saturday - North to samburu: After breakfast, drive north to ‘Born Free’ country where Joy and George
Adamson raised Elsa the lion cub in the wild and beautiful Shaba National Reserve. Arrive in time for lunch at the
luxurious Sarova Shaba Game Lodge. Spend the afternoon discovering the unique wildlife of the reserve, which is
famous for its elephants and lions.
Day 3, sunday - On safari in shaba: Spend all day on safari (breakfast and lunch at the lodge) in the reserve,
which offers sanctuary to large herds of elephants, healthy numbers of lions, leopards, cheetahs, plentiful plains
game, reticulated giraffes, rare Beisa oryx, kudus and gerenuks.
Day 4, Monday - To Lake Nakuru: After breakfast drive to Lake Nakuru, the most famous of the Great Rift Valley
lakes and home to a shifting population of over one million flamingos. Arrive in time for lunch at the Sarova Lion
Hill Game Lodge. Spend the afternoon on safari in Kenya’s first and largest rhino sanctuary.
Day 5, Tuesday - To the Masai Mara: After breakfast, drive to the world-famous Masai Mara National Reserve,
backdrop to ‘the greatest wildlife spectacle on earth’, the annual migration of over one million wildebeest. Arrive in
time for lunch at the Sarova Mara Game Camp, a luxury tented camp, before spending the afternoon on safari in
Kenya’s most popular reserve.
Day 6, wednesday - On safari in the Mara: Spend the whole day on safari in Africa’s richest wildlife viewing
arena. Historically teeming with wildlife, the Mara hosts Kenya’s largest lion prides and elephant herds. Spend the
evening in camp where Masai dance performances are offered nightly.
Day 7, Thursday - Up the Rift Valley to Nairobi: After breakfast drive back down the Great Rift Valley to Nairobi.
PRICE:
• US$ 2250 per person sharing. Single supplement on request.
• Price includes: 6 nights’ accommodation, all transfers, all meals, all game drives. Price excludes: Flights,
insurance.
• No visas required for South African passport holders.
TRAvEl DATES:
• August and September 2013. Tour departs every Friday and returns every Thursday.
www.saarp.net

Prague, vienna & Budapest - 10 days
Day 1, arrive Prague, Friday: You will be transferred to your hotel. Dinner with folklore in a local restaurant
Day 2, in Prague, saturday: Morning tour of the old part of the city to view the Old Town Square, the famous
Astronomical Clock, the Jewish Quarter, St. Nicholas Church, Charles Bridge and more. The rest of the day is at
leisure. Tonight, enjoy an opera performance.
Day 3, in Prague, sunday: Today, cross the Vltava River to visit the Royal Castle of Hradcany and St. Vitus
Cathedral. Your afternoon and evening are at leisure.
Day 4, to Vienna, Monday: Travel by motor coach to Vienna, the “City of Waltz”. The rest of the day is free.
Dinner tonight will be in a typical local Heurigen restaurant.
Day 5, in Vienna, Tuesday: On your morning sightseeing tour, visit the Hofburg Palace, once the seat of the Austro-Hungarian
Empire, and view the Belvedere Palace, Prater amusement park, the UN buildings, St. Stephen’s
Cathedral and other vivid reminders of the city’s imperial history. After a free afternoon, enjoy an evening concert
of Strauss’ and Mozart’s music.
Day 6, in Vienna, wednesday: Take a guided visit to the Kunsthistorische Museum in the morning. The rest of the
day is at leisure.
Day 7, to Budapest, Thursday: Today, journey takes you eastbound by motor coach to Budapest, often called
“Paris of the East”. The afternoon is free for independent activities or optional excursions.
Day 8, in Budapest, Friday: Situated on the opposite banks of the Danube River, the former cities of Buda and
Pest are linked by a series of graceful bridges. Your morning sightseeing tour includes views of the decorative
Parliament building, seat of the National Assembly; Vaci Utca, a pedestrian street lined with shops and restaurants;
Heroes’ Square with the Millennium Memorial, 118 foot high Corinthian column dedicated to the Roman Catholic
Church, and the Tomb of the Unknown Soldier. The rest of the day is at leisure.
Day 9, in Budapest, saturday: Sightseeing tour this morning focuses on the Castle Hill area, the 13th century
Matthias Church, Fisherman’s Bastion and Royal Palace. Afternoon is free for last minute shopping or independent
exploration. Tonight, enjoy dinner with entertainment in a typical Czardas restaurant.
Day 10, Depart Budapest, sunday: After breakfast, transfer to the airport for your departure flight.
PRICE: Per person in twin: US$ 1,890. Single room supplement: $ 795. Price includes:
• 9 nights in first class hotels, rooms with private facilities, service charges and hotel taxes
• Breakfast daily. Dinner with folklore in Prague, entertainment in Grinzing suburb of Vienna
• Farewell dinner with entertainment in typical czardas restaurant in Budapest
• Opera performance in Prague, Strauss & Mozart Concert in Vienna
• Inter-city travel by modern motor coach
• Arrival and departure transfers, Professional English speaking tour director and Luggage handling
• Headsets will be provided for included sightseeing tours, so you can easily hear your guide’s commentary
• Price Excludes: Flights, visas, insurance tipping and meals that are not stipulated.
SIGHTSEEInG TOuRS InCluDED:
• Prague: Royal Castle of Hradcany, St. Vitus Cathedral
• Vienna: Hofburg Palace, Kunsthistorische Museum
• Budapest: Fisherman’s Bastion, Coronation Church
TOuR DEPARTuRES 2013: 10 May, 19-May, 07 Jun, 16 Jun, 05 Jul, 14 Jul, 02 Aug, 11 Aug
(Sept & Oct on request).
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
NAMIBIA
SANDPIPER DUNES 29 JUL-2 AUG 2 BEDR R1 200
WESTERN CAPE
ROYAL ATLANTIC 21-25 OCT 1 BEDR R1 600
TABLEVIEW CABANAS 14-18 OCT 1 BEDR R1 000
GARDEN ROUTE
SUNSHINE BEACH 19-23 AUG 2 BEDR R1 000
FORMOSA BAY 9-13 SEPT 1 BEDR R1 000
PLACID WATERS 9-13 SEPT 1 BEDR R1 000
SOUTH COAST
SUNTIDE MARGATE 18-22 NOV 1 BEDR R1 400
DURBAN SPA 25-29 NOV 1 BEDR R1 200
PEBBLE BEACH 18-22 NOV 1 BEDR R1 400
NORTH COAST
CHAKAS ROCK CHALETS 18-22 NOV 1 BEDR R1 200
DOLPHIN VIEW 25-29 NOV 1 BEDR R1 400
DRAKENSBERG
DRAKENSBERG SUN 11-15 NOV 1 BEDR R1 800
MIDLANDS SADDLE%TROUT 4-8 NOV 1 BEDR R1 400
GAUTENG
RIVIERA ON VAAL 21-25 OCT 1 BEDR R1 800
MPUMALANGA
SUDWALA LODGE 9-13 SEP 1 BEDR R1 000
FALCON GLEN 9-13 SEP 1 BEDR R1 000
HAZYVIEW CABANAS 7-11 OCT 1 BEDR R1 000
NORTH WEST
MOUNT AMANZI 26-30 AUG 1 BEDR R1 000
MAGALIESPARK 26-30 AUG 1 BEDR R1 000
LIMPOPO
WATERBERG GAME PARK 7-11 OCT 1 BEDR R1 000
Any cancellations MUST be made at least 10 WEEKS prior to check in date. Please note that the prices
include 14% VAT. For more information and bookings contact RENSKE on tel: 021 592 1279.
www.saarp.net

C H M O C R R A P N D N P M P A
Just for Fun!
I N F L U E N Z A N R F Q J L J V
B K C Z G Q R T R E E L Q N T D K
H P I F L O T S I P T Z D K N D R
W R L N G R H H D X E J K D U G T
www.WordSearchMaker.com
H M E N M E N T N M M K L F O R R
J T G H T A N D L M I M Q B M A M
F Q N Y E M N I E J R T Y J A N Q
H Q A C Z U F M V E E R Z R R D R
T D O E T Z O F T I P M L Q A F B
C H M O C R R A P N D N P M P A N
N B R V A N G G A L N D B R P T D
H M I B G I A L S H O I K R T H J
B T L C V M K D S N T V T Y P E B
T E Z A Y M N W I I R G E H G R B
N R N Y Z C R K O O E T U L F V P
L T K T J Z L N N H V F W R T H R
M F D L R G D E L H Y A V N K F P
www.WordSearchMaker.com
Angelic
Avoidance
Bicycle
Divine
Flute
Grandfather
Influenza
SUDokU
Love
Memorable
Navigate
Ocean
Paramount
Passion
Perimeter
Pistol
Rotund
Tree
T D O E T Z O F T I P M L Q A F
N B R V A N G G A L N D B R P T
H M I B G I A L S H O I K R T H
B T L C V M K D S N T V T Y P E
T E Z A Y M N W I I R G E H G R
N R N Y Z C R K O O E T U L F V
L T K T J Z L N N H V F W R T H
M F D L R G D E L H Y A V N K F
WoRD
SEARCh
Ambition
Angelic
Avoidance
Bicycle
Divine
Flute
Grandfather
Influenza
Love
Memorable
Navigate
Ocean
Paramount
Passion
Perimeter
Pistol
Rotund
Tree
saarp@iafrica.com 47
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Solutions / oplossings
48
October 2012
BULLETIN 3
Philip Bateman
Word hunt puzzle for SAARP Bulletin 3
e l s y m p h o n y l
r g v i o l i n r h y
u e n t h w g a y p n
s c n i o e t r s a x
s i e e s i a a u r c
e r u t l u c i r g a
r t n i r c o s i o b
p g m b w w y h o e b
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
You are proudly South
African when you call:
• a bathing suit a “kossie”
• a traffic light a “robot”
• an elevator a “lift”
• a car trunk a “boot”
• a pickup truck a “bakkie”
• a barbeque a “braai”
VIVa!
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AGRICULTURE
SYMPHONY
LYNX
CABBAGE
HOUSING
CRICKET
GEOGRAPHY
MILITARY
PRESSURE
TWO
CACTUS
BICYCLE
FEBRUARY
WIT
INTO
VIOLIN
RAT
SONNET
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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
Avis Breakdown and Emergency, will
assists anytime of the day or night if
you need help, 0800 001 669.
Visit www.avis.co.za or call 0861 021 111
• SAARP discount number J871801
Optional GPS units are available on request
ensuring you always stay on route to your
destination.

7891
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Nedbank Limited Reg No 1951/000009/06, VAT Reg No 4320116074, 135 Rivonia Road, Sandown, Sandton, 2196, South Africa. We subscribe to the Code of Banking Practice of The Banking Association South Africa and,
for unresolved disputes, support resolution through the Ombudsman for Banking Services. We are an authorised fi nancial services provider. We are a registered credit provider in terms of the National Credit Act (NCR Reg No NCRCP16).