Month: November 2014

Lets get Legal – Debt Counselling

I’ve heard about debt counselling but am not sure what all it entails?

Our government was concerned about the financial future of its population in the uncertain economic times that the world finds itself in and to regulate this, they promulgated the National Credit Act No. 34 of 2005.

The portions relating to over-indebtedness and restructuring of debt came into effect on 1 June 2007.

Debt Counselling makes provision to assist over-indebted consumers by restructuring their debts so that they can afford to meet their monthly living expenses.

Creditors take legal action when a debtor’s accounts are in arrears, which leads to added costs in the form of attorneys fees and collection commission and penalty interest to any arrear amounts. Debt Counsellors can protect the debtor from collection procedures by negotiating with the creditors to reach a mutually satisfactory agreement with regard to the repayment of the debt.

A debt counsellor is a “specialist” who has completed the necessary exams and been enrolled as a debt counsellor on the NCR website.

If the debt counsellor establishes that the consumer is over-indebted, he will proceed with a debt restructuring programme whereby he renegotiates the repayments, interest rates and terms with the credit providers of each and every contract that the client has committed himself to. Once consent is reached, the consumer is presented with one affordable monthly payment which is distributed to the creditors via an authorized Payment Distribution Agency (PDA).

As long as the client maintains his monthly repayment as negotiated, he is protected from all legal action and the normal consequences of non payment. If he finds that the situations have changed again, he will have to ask the debt counsellor to again renegotiate on his behalf – but rather a renegotiation that that the entire debt counselling is set aside. It is imperative that the client maintain contact with the debt counsellor and advise him of all and any changes.

WHAT DID I SIGN FOR AGAIN?

Everyone gets so excited when they go to sign for something big – how many of us actually listen to the person explaining the small print? How many of us say – don’t worry I don’t understand it anyway!

According to the National Credit Act, the person appointed by the financial institution has an obligation to ensure that you understand each and every term and condition in the agreement that you are signing. The agreement must be in a plain and simple language of your choice.

Terms that are used in the contract have to be explained and if the person representing the financial institution is of the opinion, after explaining the agreement to you, that you are still unaware of your rights, they are under an obligation to not allow you to proceed with the contract until such time as they are satisfied that the terms and conditions that are used, are understandable to you.

Contracts for the loan of money to buy houses and cars are especially lengthy documents and still contain some latin words. If the attorney representing the bank is of the opinion that the contents are unclear to you, they are obliged to send the instructions back to the bank and ask for further information. The bank can then arrange for training and courses for the consumer to attend to enable them to gain clarity over the contents of the agreements.

Bottom line – if you are unsure about anything before you sign, please ask and if you are still unsure have them explain again and again until it is clear. Rather take a little longer at the beginning and know what you are signing for than to sign blindly and only realise later how deep you have gotten yourself into trouble.

Fiona Williamson 082 820 6428
(fiona@holaw.co.za) •

van die Redaksie

Harcourts Mbay

Redaksie

Die tyd van die jaar dink ‘n mens nogal baie oor hoe vinnig die tyd vlieg.

 

24 Uur, dis wat ons almal het om te gebruik ! Om geluk, sukses, gesondheid, plesier, geld, vergenoegdheid na te jaag en respek te verdien.

 

Maar wat maak ons met ons tyd ?
Gebruik ons tyd goed genoeg om dit waarna ons almal streef te bereik?
Besef ons regtig dat die waarde van tyd veel dieper lê as net in sekondes, minute en ure ?
Dit lê in elke dag en elke ding wat ons doen !!

 

Kry jou prioriteite reg en gryp elke geleentheid aan.
Leef vir vandag, want môre mag dalk nie wees.
Wees bedagsaam teenoor ander.
Kla minder.
Sien die mooi in alles raak.
Wees laf en dans as jy so voel.
Stap gereeld en sien dinge om jou raak.
Kry ‘n stokperdjie.
Lag baie … sommer uit jou maag.
Geniet soms lekker kos, sonder om skuldig te voel.
Hou op haat, vergewe – gaan maak reg.
Doen goeie dade sonder om iets terug te verwag,
Verras iemand.

 

Niemand kan tyd van jou wegneem nie.
So terwyl jy nog die geleentheid en gesondheid het om jou tyd hier op aarde te benut, doen dit met oorgawe.
Tyd is jou sleutel tot geluk en tot sukses…. gebruik dit wys !!

 

 

 

 

 

MOSSEL BAY RETAINS CROWN AS GREENEST IN THE WESTERN CAPE

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Mossel Bay won the annual Greenest Local Municipality competition in the Western Cape for the second consecutive year. This was announced at a function in Stellenbosch on 3 November 2014.

Mossel Bay snatched the first prize of R130 000 for 2014 away from sixteen participating local municipalities out of 24 local municipalities in the Western Cape. Mossel Bay will now also represent the Western Cape in the national competition for greenest municipalities.

Apart from being the overall winner, Mossel Bay also won the categories for Air Quality Management and Leadership, Compliance, Institutional Arrangements and Public Participation.

The Hessequa Municipality was the first runner up while Knysna came third in the category for local municipalities. The Eden District Municipality won the category for district municipalities out of four participating district municipalities.

“We are of course very proud of this latest achievement of the Municipality as the competition is getting tougher by the day. To have been the winner twice and runner up once in the four years that the competition has been held, is proof of the Municipality’s commitment to the environmentally friendly management of our beautiful town.

“The competition is judged according to strict criteria which cover waste management, energy efficiency and conservation, biodiversity management, coastal management and beautification, water management and conservation, air quality management and leadership, compliance, institutional arrangements and public participation.
“This could only have been achieved through an excellent team effort involving everybody, from the Municipal Manager, Dr Michele Gratz and the management team of the Municipality through to the most junior person at the Municipality. They must all receive the credit for this achievement,” said the Executive Mayor, Alderlady Marie Ferreira in her comment on this success of the Municipality.
The competition is arranged by the Western Cape Department of Environmental Affairs and Development Planning. It was previously known as the Cleanest Town competition. It aims to promote improved service delivery that restores community pride and commitment in caring for the living environment. It also focuses on improved integrated sustainable development strategies in municipalities.

MOSSELBAAI BEHOU KROON AS GROENSTE IN WES-KAAP

Mosselbaai is gisteraand (Maandag, 3 November 2014) op ‘n onthaal in Stellenbosch vir die die tweede agtereenvolgende jaar as die groenste plaaslike munisipaliteit in die Wes-Kaap aangewys.
Mosselbaai het die eerste prys van R130 000 voor die neuse van sestien deelnemende plaaslike munisipaliteite uit 24 in die Wes-Kaap weggeraap. Dit sal nou ook die Wes-Kaap in die nasionale kompetisie vir groenste munisipaliteite verteenwoordig.
Benewens dat Mosselbaai as die algehele wenner aangewys is, het die Munisipaliteit ook die kategorieë vir luggehaltebestuur asook vir leierskap, institusionele reëlings en gemeenskapsdeelname gewen.
Die Hessequa Munisipaliteit was tweede, en Knysna derde in die afdeling vir plaaslike munisipaliteite. Die Eden Distriksmunisipaliteit het die kompetisie vir distriksmunisipaliteite gewen uit die vier deelnemende distriksmunisipaliteite.
“Ons is uiteraard baie trots op hierdie jongste prestasie van die Munisipaliteit aangesien die kompetisie al strawwer word. Om twee eerste pryse en een tweede prys te wen in die vier jaar dat die kompetisie gehou word, getuig van die Munisipaliteit geïntegreerde volhoubare ontwikkelingstrategieë by munisipaliteite.se verbintenis tot omgewingsvriendelike bestuur van ons pragtige dorp.
“Die kompetisie stel ‘n streng toets aan deelnemende munisipaliteite want hul afvalbestuur, energiedoeltreffendheid- en bewaring, biodiversiteitsbetuur, kusbestuur en verfraaiing, waterbestuur en –bewaring, luggehaltebestuur asook leierskap, institusionele reëlings en gemeenskapsdeelname word gemeet.
“Dit getuig van uitnemende spanwerk, van die Munisipale Bestuurder, dr Michele Gratz, bestuur tot die mees junior personeellid van die Munisipaliteit. Hulle moet saam die eer kry vir hierdie groot prestasie,” het die Uitvoerende Burgemeester, Raadsdame Marie Ferreira in haar kommentaar op hierdie sukses van die Munisipaliteit gesê.
Die kompetisie word deur die Wes-Kaapse Departement van Omgewingsake en Ontwikkelingsbeplanning gereël. Dit het vroeër jare bekend gestaan as die Skoonste Dorp-kompetisie, en het ten doel om dienslewering wat gemeenskapstrots en ‘n verbintenis tot die versorging van die lewende omgewing te bevorder. Dit fokus ook op verbeterde •

COASTAL CLEAN-UP

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But why?
Ocean and waterway pollution is one of the most serious forms of pollution in the world. In 1986 Ocean Conservancy recognized the need to clean the marine environment and launched a campaign called International Coastal Clean-Up. This event has been running every year and is solely run by willing volunteers.
The Pinnacle Conservation team was asked to help out again with the beaches of Mossel Bay. The team geared up with their gloves and plastic bags and tackled De Bakke, Santos and Point. From a distance, our beaches seemed fairly clean to the naked eye. When the team started picking up candy wrappers and other small plastic items, it didn’t seem that concerning but when a few candy wrappers became a lot of candy wrappers, the concern became evident.
In total the team managed to pick up 20kgs of litter with most items being things that the average person might consider harmless to the environment. Some of the unusual items that were found on the beaches included two dead seals, a knife and a condom.
According to the International Coastal Clean-Up Report of 2014 approximately 648 000 volunteers partook in this campaign and over 5500 ton of litter was retrieved on beaches all over the world which really stresses the concern of litter on beaches. The number one most collected item in Mossel Bay and also worldwide is cigarette butts with over 2 million collected globally.
The Pinnacle team is glad that they were able to partake in this campaign and really hope that people would reconsider before littering on the beaches.
“Trash in the ocean doesn’t fall from the sky – it falls from people’s hands.”
Article: Pinnacle Conservation

 

Wellness Event for Community

As part of the annual 16 Days of Activism programme, the Mossel Bay Municipality, in conjunction with the Department of Health and various community organisations, plan a Wellness Event for the community at the Indoor Sports Centre in Sampson Street, Extension 23, on 20 November 2014 and 21 November 2014.
Providers of health products and services are hereby invited to become involved by promoting their products or services at the event through exhibitions or displays.
The purpose of this event is to demonstrate the Municipality’s commitment to community wellness and to raise awareness in the community of the benefits of physical and emotional wellness. This year’s theme is “Survival of the Fittest.”
Various accredited Medical Schemes, in collaboration with the Department of Health, will conduct free medical screening tests of their members and the community.
The Municipality’s main goal is to involve other public and private health-service and product providers that can make a contribution of any kind to the health and emotional wellness of the Mossel Bay community. These include local gymnasiums, eye care enterprises, dieticians and providers of anti-smoking products, to name but a few. Participants will be given the opportunity to exhibit their products and/or services by way of information brochures, pamphlets on special offers and product samples.
Interested providers can contact Ms Alma Kritzinger at (044) 6065251 or e-mail at akritzinger@mosselbay.gov.za before 7 November 2014 if they are interested in promoting their products or services at the event. •

 

BUSINESS FOCUS – C&C CELLULAR

Describe your business in a short paragraph:
We do Repairs to Cellphones as well as Network unlocking and Selling of accessories.

When did you start your business?:
We started the business in February 2002

What prompted you to start / buy your business?
The fact that my dad and I could do something together, and have the same passion for something was quite exciting.

My business is aimed at?
Helping the community where I can. I am not only a shop owner but also a friend to most and making it my duty to keep them happy.

What products / services are you offering?
We do repairs to handsets, network unlocking as well as selling accessories.

Personal achievements:
Is to just wake up and keep loving what I do.

What makes your business stand out in the crowd?
The fact that I try my best and help where I can.

Complete the following
statements:
“ Through
experience, I’ve learnt that…..”
You have to appreciate the smaller things in live (namely helping the elderly for free) and having patience. Without that you have nothing.

What is the most important message you wish to send to the community?
For the best and friendliest service…visit us at the address below:

Contact details:
Name- C&C Cellular (Cheryldene Pullinger)
Tel – 084 615 8509
Hartenbos Arcade
24 Kaap de Goedehoop Laan

GROOT STRAATPARADE BEOOG VIR DIASFEES

Die doelwit is om die straatparade wat op 31 Januarie 2015 as deel van die 2015 Diasfees gaan plaasvind, ‘n geleentheid van groot jolyt en gees vang te maak, en die Munisipaliteit nooi skole asook besighede om vlotte vir die geleentheid in te skryf.

Die 2015 Diasfees sal van 29 Januarie 2015 tot 1 Februarie 2015 gehou word, en daar word reeds fluks gevorder met die reëlings vir die fees wat deur die Munisipaliteit gekoördineer word as ‘n projek om die dorp te bemark, en die plaaslike ekonomie te stimuleer. Die Santoskaravaanpark sal weer die feesterrein wees.

Daar was vanjaar prysgeld van R10 000 vir die beste skolevlot, en dit word beoog om ook prysgeld vir ander vlotte in 2015 beskikbaar te stel. Optogte per voet is ook welkom.

Belangstellendes wat meer inligting oor deelname aan die straatparade wil hê, kan vir Gordi Smit by die Munisipaliteit by (044) 606-5089 bel of per e-pos by bsmit@mosselbay.gov.za kontak.

CHILDREN GALORE AT PETROSA NATURE RESERVE

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It has been a very busy week (20-24th October) for the Pinnacle Conservation team, with a total of about 600 learners (from Ridgeview Primary School) visiting the PetroSA NatureReserve over the course of five days.
Ridgeview Primary School brought out their Grade R’s all the way through to the Grade 4’s, for an educational outreach to the PetroSA Nature Reserve. Each day a specific Grade came out to the reserve, where they were hosted by the Pinnacle Conservation team. The group (which was approximately 120 learners per day) was divided into smaller groups, of approximately 30 learners in order to manage the activities better and to make interaction easier. The reserve was divided into five education stations, and each group had an opportunity to visit each station during the outreach. The five stations were namely: Feeding Area; Aloe Valley Hiking trail; Medicinal plants; Snake Presentation and Activities. The Pinnacle Conservation team tried to incorporate the school’s curriculum, by creating an activity specific to each Grade’s requirements.

The grade 4’s (the oldest group) got to experience the reserve a bit different to the rest of the grades, by taking part in the reserve’s first Amazing Race. The goal of the race was to collect as many animal pictures as possible, in order to complete their ‘Different Habitats’ poster at the end of the day. The Ridgeview learners remained in their class groupings, and were accompanied by their teacher from station to station. Each station had several challenges that needed to be completed, which would then earn the group an animal picture before moving on to the next station. This proved to be a very fun way of teaching the learners about the environment and the children. The Pinnacle Conservation team really thoroughly enjoyed educating the children. Afterwards the learners were all spoiled with a lunch pack sponsored by PetroSA, which was received with much appreciation.

It was a very successful week and the learners enjoyed the visit to the PetroSA Nature Reserve. There was loads of positive feedback from Ridgeview’s teachers, and the outing proved to bring value in terms of conservation education of each learner. •

Whale of a sign for Mossel Bay

A new project from Pinnacle Conservation will make information about the whales of Mossel Bay more easily accessible to the public – and has already brought the information to large numbers of school children.

The ‘Mossel Bay Tourism Legacy Marine Signage Project’ will see information signboards erected at each of seven different conservancies along the coast between the Gourits River and Great Brak River mouths. The project was piloted for Pinnacle Conservation by Kay Prinsloo and Kelly-Jane Peo – both of whom work at the PetroSA Nature Reserve at the company’s Mossel Bay Refinery. It was funded by the Mossel Bay Environmental Partnership (MEP).

“It turned out to be a bigger project than we had planned, because we discovered that most children in Mossel Bay – and many adults, too – had no idea that the whales visit the Bay. We also found that many of them didn’t even have a concept of what whales are, or how big they are,” said Ms. Prinsloo.

The pair therefore decided to include an outreach programme into the project.

“We visited almost a thousand children at primary schools in the area, and used both technology and quizzes to stimulate their interest: we showed them a PowerPoint presentation and videos, and also had them line up next to a tape measure so that they’d get a perspective of the size of a southern right whale.

“We made rubber stamps and stamped the kids’ wrists – which they really enjoyed; we distributed gifts of whale bracelets and whale key rings; and we ran a colouring-in competition, with lucky draw prizes of free boat-based whale watching safaris with Romonza, who sponsored the tickets.”

Ms. Prinsloo said that Pinnacle Conservation is currently seeking planning permission from the Mossel Bay Municipality for the erection of the signboards.

“We’re hoping to place one each in the Fransmanshoek-, Dana Bay-, St. Blaize-, Mossel Bay-, Hartenbos-, Mid-Brak-, and Great Brak Conservancies,” she said.

“We’ve also printed a brochure which will be distributed via Mossel Bay Tourism, and through other channels.”

Mossel Bay Tourism’s Marcia Holm congratulated Pinnacle Conservation on the project, and thanked its sponsors and supporters.

“We completely support the principle of responsible travel, which is defined as ‘creating better places to live in, and better places to visit.’ This places the onus on both consumers and suppliers of the tourism experience: our visitors on the one hand, and the people of Mossel Bay – the host community – on the other.

“For tourism to work at its best – and to provide the greatest benefits for everybody – the members of the host community have to understand the things that are unique about their hometown, and why those things attract visitors.

“These are some of the reasons why Pinnacle Conservation’s project falls perfectly in line with the idea of responsible travel,” she said.

Ms. Prinsloo said the outreach side of the project has come to an end for this year. “But whales are my passion, so I hope we can pick it up again next year.”•

Upturn in demand for stands & homes at Pinnacle Point Beach & Golf Resort in Mossel Bay

The past 18 months has seen a marked increase in residential property activity at Pinnacle Point Beach & Golf Resort, set on 420 hectares in Mossel Bay on the Garden Route.
Keith Murray, Pam Golding Properties area principal in Mossel Bay says: “There has been a dramatic upturn in enquiries and sales at Pinnacle Point, and in the 12 months since October 2013 Pam Golding Properties has sold a total of 40 properties comprising 23 stands, seven lodges, five homes and five villas.”
The vacant stands, which range from 450 to 807sqm in size, fetched prices between R300 000 and R1.6 million, lodges sold for R850 000 to R1.8 million, houses from R3.2 million to R4.2 million, while villas fetched between R800 000 and R1.6 million.

“Most of these purchasers were from around South Africa, including Johannesburg, Pretoria, Cape Town, the Northern Cape and Free State. We have however seen a growing number of enquiries from international buyers, with two recent sales transactions concluded with Americans, and a further two sales to a German and British buyer respectively. Currently a further two British and two Germany buyers are in the process of acquiring properties at Pinnacle Point,” says Murray.

“Generally, property at Pinnacle Point is acquired for a mix of holiday, retirement and investment purposes. While the estate is popular for second homes, positively, we find that approximately 35-40 percent of home owners live permanently on the estate or are planning to do so on retirement, while there are a number of ‘swallows’ from Sweden, Germany and the UK who spend several months a year in residence. The fact that there are good private and public schools in the area, extensive medical facilities at Life Bayview Private Hospital and a clubhouse, hotel, wellness centre and restaurants on site, adds to the appeal for families and other buyers.

“There is also a growing demand for homes to rent for holiday purposes, being mainly lodges and villas, which vary from a rate of R1200 to R4000 per day, depending on the facilities. This demand is not surprising as the development is geared towards a family friendly lifestyle with new tennis courts, a beginner golf academy and plans for a swimming pool, gym and conference facilities on the cards. Architectural plans have already been completed for the present clubhouse to accommodate these new facilities.”

In addition, a small game reserve of approximately 300ha which is situated alongside the Garden Route Casino at the main gate is to be incorporated into the estate. Including small game, with the largest being zebra, the reserve will form part of the common space and be available to residents for walking or biking.

This year Pinnacle Point added a peak performance centre as well as a SNAG (Starting New At Golf) facility. The performance centre has state of the art equipment to help the avid golfer with swing and stance, while the SNAG facility encourages beginners and children to get into the game. The new training tool was designed by Jack Nicklaus with youngsters in mind. He believes in making the game less challenging for them – using clubs with enlarged heads, tennis balls and brightly coloured targets, with exciting training aids encourage the correct movements.

Construction progress on site

Adds Murray: “We’ve seen a major turnaround in the residential property market in Pinnacle Point. At present, construction of 12 new homes is well under way while plans for a further three homes have been submitted for approval.

“With two prime golfing destinations – Pinnacle Point Beach and Golf Resort and Mossel Bay Golf Estate, this area has become a sought after, upmarket investment destination. At Pinnacle Point, the international standard Peter Matkovitch-designed golf course is in very good condition and is well managed by the Homeowners Association – which itself is in a positive financial position.”

Prices of plot and plan properties currently available at Pinnacle Point range from two, three and four bedroom lodges, two and three bedroom villas and four and five bedroom homes encompassing a broad price range from R850 000 through to R2.8 million, with penthouses priced between R3.2 million and R6 million. Vacant land is currently priced between R200 000 and R5.5 million.

According to Mossel Bay Tourism, Pinnacle Point Caves, which were declared a Provincial Heritage Site in December 2012 – together with a number of other sites around South Africa – form part of an application to UNESCO (United Nations Educational, Scientific & Cultural Organisation) to be declared a collective World Heritage Site. Pinnacle Point Caves reveal the earliest evidence for modern human behavior, with Middle Stone Age middens discovered there during the environmental impact assessment for the development of the Garden Route Casino and Pinnacle Point Beach & Golf Resort.

For further information contact Pam Golding Properties Mossel Bay on 044 691 3844 or email keith.murray@pamgolding.co.za

www.thegremlin.co.za •