Jakaranda en Louis Botha Kinderhuise beleef tans ‘n noodsituasie

Jakaranda Kinderhuise

‘n Groot struikelblok wat die kinderhuise tans in die gesig staar is die geweldige afneem van befondsing, as gevolg van die wêreldwye ekonomiese krisis, waarvan Suid Afrika nie gespaar is nie, Ons land se Nie Winsgewende Organisasies (NWO’s) ervaar almal befondsingsprobleme, aangesien skenkings, veral van individuele en private skenkers, aansienlik afgeneem het.

Die resessie, die huidige politieke klimaat en verskeie media berigte van korrupsie, het ook die korporatiewe maatskaplike beleggings (CSI) begrotings het verminder. As gevolg van verminderde private en korporatiewe skenkersbefondsing moes daar drastiese planne gemaak word deur verskeie organisasies om te bly oorleef.

Jakaranda en Louis Botha Kinderhuise is ook nie gespaar van hierdie afname in befondsing nie en het sowat 40% aan inkomste ingeboet net omdat individue en maatskappye daar buite eenvoudig nie meer geld het om weg te gee nie.

Alhowel die staat sowat 45% van ons jaarlikse begroting subsidieer is dit nie naastenby genoeg om ons kinders doeltreffend te versorg nie. Soos baie ander kinderhuise het ons geweldige probleme met die verkryging van staatsondersteuning, vennootskappe met maatskappye, die verkryging van befondsing wat ons sal toelaat om ons mandaat ten volle te vervul.

Jakaranda en Louis Botha Kinderhuise is 2 kinderhuise wat regtig omgee oor die welstand van kinders in nood, en juis omdat ons glo dat kinders nie net versorg moet word nie maar ook ontwikkel moet word om hulle plekke as volwaardige volwassenes vol te staan in die samelewing doen ons ‘n beroep op die publiek om opnuut diep in hulle sake te delf om ons te help om hierdie taak van omgee vir kinders namens die gemeeskap te verrig.

Ons hoor toenemend dat Jakaranda en Louis Botha Kinderhuise sogenaamde “ryk” kinderhuise is en hierdie persepsie is baie ver verwyder van die realiteit, maar wat wel die waarheid is, is dat die standaard van dienslewering baie hoog is en dat ons daarna streef om ‘n stimulerende omgewing vir ons kinders te skep.

Ons het die voorreg gehad om te kon uithelp in die tyd wat die staat se maatskaplike werkers onlangs gestaak het, deur vir 65 van die kinders wat daardeur geraak is tydelike heenkoms te bied. In hierdie proses het ons besef wat die waarde van hoë standaard dienste en ‘n stimulerende omgewing t.o.v kinders is. Ons het ook in hierdie uithelp tyd gesien dat die hoë standaard dienste nie noodwendig duurder is as minder goeie dienste nie, inteendeel het ons besef dat dit soms goedkoper is as swakker gehalte dienslewering.

Ons deel graag met u ons finansiële inligting t.o.v kosvoorsiening vir ons kinders by Jakaranda en Louis Louis Botha Kinderhuise:

Kos uitgawe per kind/per dag – R27.10
Kos uitgawe per kind/per maand – R813.67
Gesamentlike kosuitawe vir al ons kinders per maand – R187 146.00 (Jakaranda)
Gesamentlike kosuitawe vir al ons kinders per maand – R69745.83 (Louis Botha)
Gesamentlike kosuitawe vir al ons kinders per Jaar – R2 245760.00 (Jakaranda)
Gesamentlike kosuitawe vir al ons kinders per Jaar – R836 950.00 (Louis Botha)

Daar word deurentyd gepoog om die water en elektrisiteit verbruik by die kinderhuise tot die minimum te beperk, maar hierdie enorme uitgawe beloop R175 000.00 per maand by Jakaranda- en R71 000.00 per maand by Louis Botha Kinderhuis.

Personeel Salarisse was die afgelope finasiele jaar 42% van ons totale uitgawe, wat baie gesond is in vergelyking met ander soortgelyke organisasies wat tot 80% van hul maandelikse uitgawes aan salarisse spandeer.

Kinders hoort nie in Kinderhuise nie, maar by hul ouers. Ongelukkig is die harde werklikheid dat daar kinders is wat nie by hul ouers kan wees nie, en benodig alternatiewe versorging waarvan Kinderhuise so ‘n alternatief is, maar HIERDIE ALTERNATIEWE VERSORGING KOS ONGELUKKIG BAIE GELD!!

M ERWEE
Uitvoerende Hoof – Jakaranda- en Louis Botha Kinderhuise

Christo Louw
Marketing & Fundraising Department
Project Manager: Christmas Light Festival
E-mail address: clouw@jacarandachildren.co.za
Mobile Number: 0835115238

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Make a difference… support the omdatTRUST!

OmdatTrust_logo

How did the omdatTRUST come about?
Steve van Heerden, founder of the omdatTRUST, registered the trust on 03 February 2010. He created the omdatTRUST, because he wanted to give something back to the underprivileged, and because he believed that it’s better to give than to receive. It was especially children with disabilities and also needy animals that caught his attention.

Sadly in 2011, Steve’s short and promising life came to an unexpected end, after he became a less fortunate victim of an armed robbery incident while at his home.

Nevertheless, with the encouragement and support of family and friends, it was decided to continue with the omdatTRUST. The motivation was to complete Steve’s unfulfilled motion of generosity.

Steve leaves a legacy and is an example to us all, because he had a heart of gold, because… this is who Steve was.

Beneficiaries of the omdatTRUST are, amongst:
Steve especially wanted children with disabilities and also needy animals to benefit from the omdatTRUST. Therefore he specified the beneficiaries of the trust, which included organisations which was very close to his heart:

  • The Transoranje Institute for Special Education (TOIBO)
    • Prinshof School for the Visually Impaired
    • Transoranje School for the Deaf
    • Sonitus School for the Hearing Impaired
    • Transvalia School for Epilepsy and Learning Disabilities
    • Martie du Plessis High School for the Cerebral Palsied
  • President Kruger Children’s Homes in Pretoria and Reddersburg
  • The National Society for the Prevention of Cruelty to Animals
  • Any similar school identified and nominated by the omdatTRUST

How you can get involved:

Any donations (clothing, blankets, books, goods, groceries, furniture, etc.) and financial contributions are welcome at any time!

From time to time we host fundraising events; our website has more details regarding specific areas where your help might be needed.

Please like our facebook page (omdattrust) and also have a look at our website (www.omdattrust.co.za) for more information as well as contact details.

Alternatively we can be reached by email: omdattrust@gmail.com.

 

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Ladies, Are You Thinking About Starting Your Own Business?

women-entrepreneurs-starting-your-own-business-850x476If you’ve had a dream of starting your own business, but have been sitting on the sidelines too long, below are some tips for making things happen this year.

When Starting Your Own Business …

Be Confident

Business plans, a strong network and capital are all key ingredients for any new business. However, from my experience, the single most important thing is confidence.

I’ve seen many women blessed with amazing ideas and intelligence, but they lack the confidence to take their ideas seriously and reach for what they want. Remind yourself that you can do this. I believe in you, so believe in yourself, too.

Consider Your Family and Children

If you’re the primary caregiver for your children, you’re probably attracted to self-employment/entrepreneurship, since it’s a way to earn an income while having the flexibility to run the household on your terms. It’s true that when you run the show, you can set your schedule.

However, before jumping into the new business, you need to realistically consider how much time you’ll need to spend on the new business on a daily and weekly basis. Understanding your time commitments ahead of time will help minimize the stress on both you and your family when starting your own business.

Surround Yourself with Positive, Supportive People

Judgmental, envious and other toxic individuals are emotionally exhausting to be around and can take a serious toll on your motivation and forward momentum.

When starting your own business, make a commitment to cut out these distractions and surround yourself with positive people who support you on this new journey. Join a few local business and industry associations; this will give you a strong network of like-minded people who understand your challenges and can help you grow a profitable business.

Learn to Prioritize

When you’re starting your own business, you are busy all the time. However, burning the candle at both ends doesn’t necessarily mean that you’re moving the company forward. During the first year, you need to be ruthless with how you spend your time: don’t automatically say yes to every request that comes your way.

Before you begin each day, you should have a clear vision of your specific priorities for the day, and how they fit into your weekly/monthly/longer-term goals. Then, try as hard as you can to stay committed to those priorities no matter how much extra ‘noise’ comes in during the day.

Focus on Your “Whole” Self

Many women I know have a caretaker mentality; we want to make sure that everyone else around us is happy and taken care of. While this is a noble trait, there’s also the risk of putting your own needs second to everything else.

After experiencing some rather serious panic attacks, I have come to realize just how important it is to make time for myself … to relax, exercise, put my phone aside, and enjoy life. I’m a better mom, wife, and CEO when I don’t try to ‘do it all’ and take care of myself in addition to everyone else.

Create Your Own Definition of Success

It’s easy to compare yourself to others, particularly in this age of social media. You may get disheartened when you hear that someone made millions practically overnight.

But instead of getting jealous and bitter, just remind yourself that there are numerous ways to define entrepreneurial success. For some it’s all about the money, but for others success can be the ability to earn a little money and be able to pick the kids up from school. It’s important to step back and define what success means to you

As you build your business, don’t forget that many, many business ideas need both time and patience to grow. It’s the fact that you’re following your dreams, not the end goal, that matters most!

Open Image via Shutterstock

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How to Save on a Tight Budget

A strategy of saving whatever is left after spending is unlikely to succeed or get you out of the pay cheque to pay cheque scenario. You need to do the reverse of that in order to break the pattern.

Steps that can help you start saving from your currently stretched budget:

  • Pay yourself first: Put money away for saving as soon as you receive your salary. It is best if this happens automatically. If you are first going to repay debt, try to increase the repayment amount. If you are ready to start saving, put a debit order in place. And, if you are struggling to put money away at the moment, the best time to start is when you get an increase.
  • Understand where your money goes:  Keep a spending diary for a month. Split your debit orders into debt repayments, essential expenses and non-essentials like eating out, coffee or magazine subscriptions. You may be able to create room to save once you’ve taken a hard look at your non-essential expenses. You also need to be critical – clothes are essential, but perhaps not those designer heels and you don’t need to buy something just because it’s on sale.
  • Control your non-essential expenses: Most of us have a good idea of what our monthly essential expenses are, but we often don’t track our spending on non-essentials. Decide which of the non-essential are important to you and what you are willing to give up. For example, you can bring your own lunch to work, review your cell phone plan, use Wi-Fi calling or other social network calling options. Try cheaper alternatives for things you do often. For instance, if you eat out with your friends every weekend, you could replace some of these with an evening at someone’s house where everyone brings a dish or a course.
  • Reassess your debt: You will most likely find money to save when you start using debt effectively. Try to stick to good debt (e.g. house, studies) and use cash for other expenses instead of using credit or store cards. You pay high interest on short-term debt, so make it a priority to reduce it. Once that is done, save the money that used to go to debt repayment.
  • Create a realistic budget: While you need to make allowance for savings, you also need to budget for things that give you joy. Otherwise you run the risk of spending money on such things without actually budgeting for them. At least if you budget for them, you can make adjustments to your other monthly expenses upfront. It is easy to spend a lot of money on little things which you may not even be able to recall at the end of the month. Rather use your money to save for a real treat. Always make a list before you go shopping – this will help you stick to items that are in your budget and not get distracted.
  • Save toward a goal that means something to you: Whether it is the deposit on a house, your children’s education, a comfortable retirement or a dream holiday, it is much easier to save if the savings goal is real and important to you, rather than to vaguely saving because “everyone needs to save”.
By Danelle van Heerde, Head of Advice Processes and Tools at Sanlam
24 January 2017
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Legal ways to pay less tax and grow wealth

Accounting.In the National Budget address at the end of February, the Finance Minister is expected to announce tax increases. Fortunately, there are many ways to grow wealth in a tax efficient way. Speak to your financial adviser about ways to maximise your tax benefits while still meeting your investment needs.

Retirement fund: A retirement annuity or company retirement fund remains one of the most tax-efficient ways to save for retirement. Both your contributions and growth within the fund are tax-free. Depending on your marginal tax rate, over a twenty-year period the tax benefit could double the amount you have available at retirement. You can contribute up to 27,5% of the greater of taxable income or remuneration capped at R350 000 per annum.

  • An individual paying 18% tax on his taxable income of R180 000 per annum will save R8 910 should he contribute the maximum amount of 27,5% of his taxable income, which is R49 500.
  • An individual paying 36% tax on his taxable income of R500 000 per annum will save R49 500 should he contribute the maximum amount of 27,5% of his taxable income, which is R137 500.
  • An individual paying 41% tax on his taxable income of R1 million per annum will save R112 750 should he contribute the maximum amount of 27,5% of his taxable income, which is R275 000.

Tax-Free Saving Account (TFSA): You can invest up to R30 000 in a TFSA each year and pay no tax on any interest or dividend income, as well as no capital gains tax within the fund. Over a period of 20 years this tax saving could boost your final return by as much as a third. Currently there is a lifetime cap of R500 000, however, that is expected to be revised in line with inflation.

If a 25-year-old invested R30 000 each year into an interest-bearing bank account, by the age of 65 they would have just over R1,5 million after tax. In comparison, a tax-free savings account with the same interest rate would be worth R2,7 million, as no tax is payable.

Endowment: For higher-income earners with a marginal tax rate above 30%, endowment policies can be a very tax-efficient investment, not only because tax is paid within the fund and not in your personal capacity, but because they don’t attract executors fees should the policy have a nominated beneficiary. Tax is paid by the fund at a rate of 30% on interest income and 12% on capital gains. The proceeds are therefore tax-free upon surrender in the hands of the policyholder and when a death benefit is paid to a beneficiary. Keep in mind, however, that should the policy be ceded to a new owner, it becomes a second-hand policy and will attract capital gains tax upon disposal by the new owner.

Estate duty abatement: When it comes to estate planning, ensure you use your estate duty abatement effectively. The first R3,5 million of your estate doesn’t attract estate duty and can be left to your children or other heirs. Currently, you’re able to leave your entire estate to your spouse thereby not attracting estate duty. Should you do this, the R3,5 million abatement would roll over to your surviving spouse who would, on their death, now have R7 million abatement.

Donations: You’re able to donate up to R100 000 a year without attracting donations tax. This can be a tax effective way to transfer wealth to the next generation.

Charitable donations: You can also get a tax-break by helping those less fortunate. You can donate up to 10% of your taxable income each year and receive a tax deduction. However, this only applies to donations to approved and registered public benefit organisations.

Article written by:  Faeeza Khan, Legal Marketing Specialist at Liberty

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Time Management Rules of a Millionaire

time-management-rules-of-a-millionaire-e1477974899438

What if we said there was a single habit that led to success?

Yes, one.

Seriously, though. Just one.

It’s time management. It’s the ultimate skill that everyone needs — regardless of your industry or position. And the single most skill that most of us fall behind on. As entrepreneurs, we often collide with the misconception that owning a business allows us the freedom to do as we please. While this may be true in some cases, it also places full responsibility on yourself.

To be successful in business, you need to manage your time with a laser-focused attitude. It also requires for you to be strategic in your systems. Today, our ActionCOACH shares time management rules of a millionaire. We hope you’re able to practice it in your daily life and drive your endeavors on forward to success!

Install a gate…keeper.

Incoming phone calls and burn through chunks of your day. Have someone screen your calls or take advantage of an operating system. When the caller interacts with this, they mentally have to justify why they’re calling you. Take it a step further and provide the option of scheduling a meeting or leaving a message. This cuts times to “chat” and focuses your conversations on action.

You’ve got mail.

How many of us are guilty of checking our emails all day? Five minutes here, seven minutes there really adds up. Brad Sugars recommends checking your inbox at the start of the day and at the end of your day so you can focus on vital matters.

Make a list and check it twice.

One of the most notable time management rules of a millionaire is discipline. Delegate as needed and you’ll notice your schedule beginning to clear. Block off specific parts of the day (or the week) for dedicated focus on projects. Our ActionCOACH team recommends starting your day with a to-do list and breaking it down into 3-5 action items. It keeps you on track and allows you to measure success. Plus, who doesn’t enjoy checking off those boxes?

Protect it like it’s food.

Meetings are tricky to schedule and one of the hardest things to predict. Try to keep them to a “necessary” and opt for alternative forms of communication. Better yet, establish check-in points where you share the progress of a project. Not only does it hold you accountable, but keeps your partner in the loop. Organizing your meetings more efficiently frees up your time and saves you a lot of headaches in the long run.

Our conclusion.

Time management is easy to practice — and to break. But by breaking it down into prioritization, delegation, and focus, your schedule will begin to clear and you’ll be able to take on projects or partners.

Brad Sugars  Brad Sugars is the world’s leading Business Coach and leads the world’s number one business coaching firm, with more than 1,000 offices in 65 countries. Every day, the coaches at ActionCOACH help tens of thousands of business owners grow their companies with hundreds of simple yet powerful business development techniques and strategies.
PIeter du PlessisPieter du Plessis is a South African Franchisee of the global business coaching company – ActionCOACH.  He is a Chartered Accountant and an accredited Business Coach assisting business owners to significantly grow their profits and develop their entrepreneurial skills. To find out more about Business Coaching or to receive a complimentary coaching session,call 012-0040379, email PieterduPlessis@ActionCOACH.com or visitwww.pieterduplessis.co.za

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Copyright © 2016 ActionCoach, All rights reserved.
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Reap the rewards when client expectations are exceeded

Image_Business_Success_Relies on moeCome to think of it, it all seems simple enough – clients will consider our product or service if we help them solve a problem or address a need they have.

But is this all there is to attracting clients to our business? The qualified answer is “no”.

Potential clients have unspoken expectations from a prospective business.

These include, but are not limited to the following:

  • If we are requested to quote for business, we actually need to pitch up at the agreed upon time to do the quote. This might be said tongue in cheek, but there is a tendency among businesses to not be diligent in this respect.
  • Communication should be open – especially when things are not going according to plan.
  • Use plain and simple language to ensure that clients understand contractual terms and considerations.
  • Clients expect honesty – if we cannot do the job, be up front about it and rather walk away from a deal than tarnish our reputation.
  • Clients mostly expect good value for their money and not necessarily the cheapest price.
  • Refrain from loading prices merely because a client might be living in or coming from an upmarket neighbourhood.
  • People want a good quality product and excellent service.
  • Product and service providers need to hit deadlines or negotiate postponements when needed.
  • Respect the property of a client if work is done on site – if something is broken, even by accident, clients will take us to task.
  • After sales service is of the utmost importance – we need to implement our product or service to meet and exceed client expectations.

Here are some of the benefits we will reap if we meet and exceed client expectations:

  • Positive word of mouth – prospective clients will start to contact us
  • We will receive positive affirmations that can be used in our public relations endeavours, on our website and in brochures. Always remember to request clients to consent to the use of their testimonials.
  • It is easier to upsell or resell products and services to a satisfied client.
  • Clients might use us in their personal capacity and a positive experience in this context may spill over into their businesses, or to an employer needing a similar product or service.

Business is simple, but not easy. If we can get the basics right it will go a long way in enabling our success.

To support business owners with the important task of business planning, Sanlam gives you free access to the book Your Annual Business Game Plan for Success, which provides an easy and straightforward framework needed to draft a well-crafted game plan that will create the positive change and growth necessary for business success.

Go to www.sanlamgameplan.co.za to download your free copy.

Article written by Jannie Rossouw, Head: Sanlam Business Market

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