What will I do if my spouse leaves me out of their will?

July 26, 2018
Sometimes a will doesn’t blatantly contradict our law or good morals, but is still problematic for the testator’s survivors. We are taking a closer look at the Maintenance of Surviving Spouses Act.

Words Worth Reading

July 26, 2018
Words Worth Reading, July 2018.

A Successful Retirement Has Less To Do With Your Bank Balance and More To Do with You

July 26, 2018
What makes for a successful retirement? Why do some people thrive through this transition and others falter? What do you need to retire successfully?

Topline Quarterly Review: Q2 of 2018

July 18, 2018
Quaterly market review, Q2 of 2018.

What I Wish I Knew About Money…

June 28, 2018
-By Sunél Veldtman I have been pondering what to write ahead of Women’s month. Today we welcomed a niece into the world and little Julia gave me a good reason to write about all the things I want her to know about money (and a little about life). She is too young now, but one day, ...

Words Worth Reading

June 28, 2018
Words Worth Reading, June 2018.

The Finance Series for Millennials: #2 Property Investments

June 28, 2018
Property has long been considered a safe investment. There is even a Victorian saying about it: “Safe as houses,” supposedly meaning secure, with no risk of failure. In a continuation of his series for millenials, Thiart van der Merwe examines the relative attractiveness of investment properties.

The Finance Series for Millennials: #1 Building your Financial Foundation

May 30, 2018
“In this series of articles, we’re giving you the advice you need on how to set yourself up for financial freedom. Our aim is to give you practical steps each month – action points that you can take immediately. “

Who will look after my child’s inheritance?

May 30, 2018
“…of all the different aspects of our lives and estate planning, anything that relates to our minor children demands particular care. Be very clear with your bequests in your will.”

Words worth Reading

May 30, 2018
Words worth Reading, May 2018.

What’s the Hype about Section 12J investments?

May 30, 2018
We’ve had a few questions from clients on section 12J investments and whether it’s something that should be considered. Some advisors and tax consultants seem to be selling this as the next best thing.

Women, Money & Language

April 26, 2018
-By Sunél Veldtman   If you don’t understand the money world, it’s not your fault – they aren’t speaking your language. There is a vast difference between the way men relate to the world of money and the way women relate to this world. This is no surprise considering that men have dominated this industry for the past ...

Words worth Reading

April 26, 2018
This month in Words Worth Reading, we highlight an article by The Economist on women and wealth. “Investment by women, and in them, is growing” and much of the wealth transferred in the coming decades will end up in female hands. Read more here. We include a thought-provoking article by Nicola Aylward about mindfullness, seasons and cycles. ...

Who gets Grandma’s ring?

April 26, 2018
“For those with massive estates, the implications of not having a will can be disastrous. But even the poorest of poor own a trinket or two, so let’s take a look at how an estate is dissolved without a will.”

Topline Quarterly Review: A New Dawn of Hope

April 17, 2018
“With all the political noise detracting from economic fundamentals, it is easy to think we are in a downward spiral. Compared to mid-December 2017, we believe we are on the right track building South Africa up to where it should be”

Make Sure You Have a Valid Will

March 29, 2018
“Sticking to the formalities doesn’t automatically mean that your will is valid. In addition, you must also comply with common law and the stipulations of your will must be practically enforceable. But first let’s make a giant stride to understand a few definitions and get the basics right.”

The Three Biggest Lies by the Passive Industry

March 29, 2018
“Very few investors have the time, knowledge or skill to invest their own money. To suggest that investors can merely go straight to a passive product provider, select the correct product for their needs and live happily ever after, is ignoring reality. Even when investors have the skill, they most often lack time.”

Words Worth Reading

March 29, 2018
Words Worth Reading, March 2018.

Words Worth Reading

March 5, 2018
This month, in Words Worth Reading, we include an article about the decision for early retirement from the New York Times. Early retirement is not just about having enough money. It is about what you will do with your time.

When to retire from your retirement fund

March 5, 2018
Deciding when and how to retire from your retirement products can be complicated. It should not necessarily determine when and how you retire.

When is a spouse a legal spouse?

March 5, 2018
This month we are recapping what we know about the different types of marriages and marital regimes in our country. It’s first and foremost important to understand the legal definition of a spouse, because it has various legal implications – in particular on an individual’s estate.

How Our Identity Shapes Retirement Plans

January 30, 2018
-By Sunél Veldtman   In our Encore years – the new term used for those in later life, which is anyone after fifty and now includes me – we are faced with new challenges. For the corporate professional it could be looming forced-retirement or even unexpected retrenchment. For the entrepreneur, it could be the sale of your business ...

Don’t Make These Mistakes When Planning for Your Retirement

January 30, 2018
-By Elke Zeki   Over the years we’ve often come across the same issues affecting retirement when dealing with new clients.  These common mistakes are not always obvious.  Unless you run the numbers and do proper cash flow analysis, it’s not easy to see how your choices will impact your retirement. We hope that these practical examples of ...

Words Worth Reading

January 30, 2018
As the ageing population is growing, innovative ways of retiring and living is being invented. In words worth reading, we include an article on a new model of aging in your own home.   Read the article here.    

Topline Quarterly Review: Political Shifts and Renewed Optimism

January 26, 2018
-By Thiart van der Merwe     As we ended off 2017, the headlines were dominated by the ANC leadership race. It came down to two candidates who represented different factions within the ANC. In the end Ramaphosa edged out a marginal victory over Dlamini-Zuma. The Rand subsequently strengthened by more than 11% as investors welcomed a business-friendly ...

2017 and the case for a low return environment

December 7, 2017
-By Thiart van Der Merwe A prolonged, low-growth environment and no real returns from our market were the main talking points as we entered 2017. With constant negative press on corruption and a deteriorating political landscape, one can understand the inclination to be pessimistic. Up to the midway point the pessimists were right. The stock market surprised ...

Gifts full of mindfulness and meaning

December 7, 2017
-By Elke Zeki & Sunél Veldtman There is too much unwanted stuff on the planet. Too much stuff polluting our oceans, our soil, our water and the air. Christmas is ahead of us and many are thinking about gifts for our family and friends. Many will mindlessly buy another pair of unwanted socks wrapped in pretty ...

More Words Worth Reading

December 7, 2017
The Secrets of Sleep Sleep is becoming fashionable again. And so it should be. It is vital to our wellbeing. “Sleep, according to the Sunday Style section of The Times, is a new status symbol, a sign of prosperity and control in a frenetic world.” This from an article from The New Yorker, The Secrets of Sleep. Read ...

Kruiwa Community

December 7, 2017
– By Sunel Veldtman A while ago I mentioned to my husband that I didn’t like the taste of lamb cooked on our gas braai. I prefer the smoky flavour of lamb done on a real wood fire. And so, the ‘kruiwa’ was born. (Kruiwa is the Afrikaans word for wheelbarrow.) He pulled out an old ...

A worthwhile New Years’ resolution

December 7, 2017
-By Sunel Veldtman New Years’ resolutions are so tiring. Few people stick to them. Loose weight. Spend less. Be more organised. And then we carry on after a few days or weeks just as we did before. Better budgeting is high on the list of new years resolutions. Prioritising and limiting spending is key to financial freedom ...

Words Worth Reading

December 6, 2017
Productivity Is Really About What You Don’t Do “The best productivity tip I ever got was the idea of a “stop-doing list” from Jim Collins. In this Age of Distraction, we’re all dodging and weaving between so much incoming information that what you don’t do on a daily basis has become as important—if not more—as what you do execute on.” Here’s ...

Words Worth Reading

October 30, 2017
This month we enjoyed these articles. Happiness is Other People The happiness industry has been teaching us that we should cultivate happiness by ourselves through self-reflection and self-actualisation. It has left our generation lonely, sick and anxious. It turns out that research is clear – the single biggest contributor to our happiness is spending time with other ...

The REAL value of a financial advisor

October 30, 2017
-By Elke Zeki   Many people believe that financial advisors add significant value by fund & product choice, asset allocation and budgeting. What concerns us is that research shows (and has for a long time) that there are algorithms that can do this much better than any human being can. Yet advisors are slow to embrace this ...

The secret to happiness in retirement

October 30, 2017
-By Elke Zeki   Planning for retirement is one of the most interesting aspects of financial planning. Despite our vastly different circumstances and financial situations, we generally have the same underlying goal: to retire happily and in good health. The desire for happiness and health is not just exclusive to retirees though. In our later years these things ...

Topline: The Market This Quarter

October 20, 2017
By Thiart van Der Merwe Quarter 3 Review     There’s been a rally in SA equities in the last quarter. Some sectors have done really well. If we compare the returns to the rest of the world however, we are lagging. Why? Own goals on the political front. Against our Emerging Market peers, we have underperformed by more ...

Bitcoin: The good, the bad & the ugly

October 4, 2017
– By Thiart van der Merwe    Bitcoin and cryptocurrencies are a hot topic at the moment. Everyone wants to know whether they should invest in Bitcoin. It is not surprising given that $100 invested 18 months ago, would be worth $1000 now. This kind of growth attracts attention. What is Bitcoin and what is the fuss ...

Words Worth Reading

September 27, 2017
Why Your Morning Ritual Is So Important To Your Success “There is a reason that most successful people have routines. It’s not because they’re OCD or eccentric. Successful people develop routines for a simple reason: they want to reduce friction in their lives so they can focus on what they do best. As you become successful, whether ...

The Cost Of Old Age Care

September 27, 2017
– by Michelle le Roux   It’s fun to be young and have big dreams. We leave school and the security of living under dad’s roof; we start working and have a lifetime of salaries and bonuses ahead of us. Retirement is far into the future – after all 40 years is a long way away. But ...

The Good News You’re Missing

September 8, 2017
– Sunel Veldtman   Recently, I have noticed how many conversations about the world lead to a conclusion that the world is a mess. We seem anxious and insecure about the future. If I look at my social media feed, it is no wonder. Bad news abounds. Korea is angling for war. Trump plans to block immigration. ...

Bubbles and Ice

August 29, 2017
By Elke Zeki   I’m a bit of a wine snob so I almost had heart failure the first time I saw a couple putting ice in their champagne! I thought I knew about wine trends, but watching this pair pour a R700 bottle of Moet Chandon over a large pile of ice was just too much ...

What is it with women and money?

August 29, 2017
By Sunel Veldtman   Almost one out of three women believe that men are better at handling financial matters than women are. This is according to The Old Mutual Savings Monitor (2012) – one of the few surveys that have studied the attitudes of South African women towards money. Even worse though, is that 65% of men ...

Behavioural Finance: Investors are their own worst enemies

August 29, 2017
By Elke Zeki I heard a great analogy the other day from world-renowned researcher and storyteller, Brene Brown. She explained how often Thought and Behaviour sit in the back while Emotion drives the car. There are few things in life that stir up emotion the way money does. Even experienced investors are at risk of letting ...

Words Worth Reading

August 29, 2017
“Can fairness really exist for women in the workplace?” – Business Day A brilliant read by Prof Anita Bosch – a registered master HR practitioner and associate professor at the University of Stellenbosch Business School (USB) where she researches women at work. She also teaches in the human capital management and leadership tracks of the USB ...

Words Worth Reading

July 28, 2017
Sometimes The Best Thing You Can Do For Yourself Is Nothing  The brilliant author, coach and mentor Judy Klipin writes about taking time-out, to take stock.   “Next time you are feeling over-worked, over-committed and overwhelmed, take some time to stop. To breathe. To come back to yourself.” Read more here.

Encore!

July 28, 2017
-By Sunél Veldtman Our first Encore workshop was a huge success given the positive response from attendees. We covered all aspects about planning for the second half of life, including emotional well-being, purpose and health and we took a thorough journey through the financial preparation for retirement. We hope that the workshop contributed to new plans and ...

Quarter 2 Review 2017

July 28, 2017
By Thiart van der Merwe A captured state exposed by a trail of emails in the hundreds of thousands. The #GuptaLeaks made headlines almost every day in major newspapers throughout the quarter. Shocking revelations of kickbacks received to Gupta-linked companies and generous gifts and holidays paid for to secure more lucrative deals just highlighted the corrupt ...

The New Old – Challenges and joys of longevity

July 28, 2017
By Elke Zeki This month we launched our Encore workshop, specifically aimed at people approaching retirement and the challenges the “New Old” face today.   There is a distinct phase of life (we argue between 55-70) where many of the old are still young. They are active, relatively healthy, want to work (although flexibly) and spend money. ...

A week in Provence – a step closer to a dream

July 28, 2017
By Sunel Veldtman Many years ago, I read the book ‘A Year in Provence’ by Peter Mayle. It kick-started my love affair with the ‘let’s go live somewhere else’ idea but it also watered a small seed within me. I guess that seed has been there all along: from my early childhood on a Karoo farm ...

Words Worth Reading

June 30, 2017
This month, we feature an article by our friends Dave Park and Anne Livingstone. They are enthusiastic travelers who blog about their many adventures on ‘My Very Long Weekend, Every day is Saturday’. The title alone gives away the high value they put on travel, brought about by financial freedom. We include one of their ...

The randomness of returns

June 30, 2017
By Elke Zeki Financial planning is not an exact science, nor is it about getting everything right. It is about creating a plan that accounts for uncertainty and allows you to adjust quickly and easily. One such area of uncertainly, especially when planning for retirement, is expected returns. When doing a cash flow analysis, we always assume ...

Beyond The River: A model for socioeconomic transformation

June 30, 2017
-By Erol Zeki   Beyond The River is a beautiful, true-life South African film that opened in cinemas a few weeks ago. Inspired by the story of two men from vastly different backgrounds – Piers Cruikshanks and Siseko Ntondini – and their determination to win a gold medal at the one of the contintents toughest canoe races ...

At Last: Its About Time

June 30, 2017
By Johann Coetzee Wednesday arrived with the promise of late afternoon rains, a hint of early morning sunshine and some cumulous clouds already building up from the east. I lingered for a while in bed, contemplating the beauty of this day and the consistency of creation. This also happened to be the last day of my official ...

Encore! Workshop

June 28, 2017
YOU ARE INVITED TO ENCORE! If you’re thinking about slowing down, exiting corporate life or retiring, this workshop is for you! This is the new retirement and we’ve called these years – “The Encore Years” because they start long before you finally take your bow. The traditional picture of retirement looked like golf days, beaches and books, ...

Scaling Down – The Road To Retirement

May 31, 2017
– By Mareo Bekker   Sunél asked me to jot down a few thoughts on how I understand and experience “semi-retirement”. Before I address the subject, I have to provide some background and context to my story. After starting my working career, my wife Lizel and I were blessed with four sons. It changed the dynamics of our ...

Words Worth Reading

May 31, 2017
Retirees Are Too Pessimistic on Their Investments – And It’s Costing Them … “Adults in retirement are less optimistic than younger groups about future economic growth, stock-market returns and long-term personal financial well-being, new research shows. This may lead them to shift out of stocks too soon and cut spending more than needed, shortchanging their lifestyle and ...

Active, Passive or Both?

May 31, 2017
-By Elke Zeki This debate is on-going and some are very passionate about it. In the South African market, quality active managers have been relatively successful in outperforming equity benchmarks over the long-term. However, recent low returns from the market (and active managers) has brought a renewed interest in passive solutions from investors. Why is this, ...

Memories of the Kgalagadi

May 2, 2017
We recently had the privilege of touring Mabuasehube in Botswana and the Kgalagadi Transfrontier Park. We were aware that it had rained up to 300mm in the area since January. But nothing could’ve prepare us for the spectacle that awaited us: millions of butterflies, metre tall grasslands, pans filled with water and beautiful clouds everywhere. ...

Words Worth Reading

May 2, 2017
Words Worth Reading, April 2017.

A quarter marred by political instability: First Quarter 2017 Review

May 2, 2017
A quarter marred by political instability: First Quarter 2017 Review.

Cry my Beloved Country

March 31, 2017
In a cabinet reshuffle that has been on the cards for some time, Zuma has finally pulled the trigger on Finance Minister, Pravin Gordhan and his deputy Mcebisi Jonas. He also changed 18 other positions. Late Thursday night the finance minister was replaced with Home Affairs minister, Melusi Gigaba. The Rand has plunged 7.5% since ...

Reflecting on the first 5 years of Foundation Family Wealth.

March 30, 2017
– By Sunel Veldtman   Foundation celebrated our fifth anniversary last month. It feels like just the other day when I walked into our office with my laptop and a bag full of hope. Foundation Family Wealth has been a dream unfolding for me. In the years leading to my departure from corporate life, I started seeing that ...

Ease the pain for those you leave behind. Plan for death.

March 30, 2017
Losing a spouse is always traumatic. What can add to the distress even more is the tying up of financial loose ends – especially if the deceased was the one who always handed those affairs.

Words Worth Reading

March 30, 2017
This month, both articles in the Words Worth Reading section of our newsletter come from the inspiring thought-leaders at Tomorrow Today Global. The first is an incredible article by Keith Coats following a series of recent workshops he ran with business execs in the UK. The workshops were entitled – “Leading in a changing world”. Keith ...

Words Worth Reading

March 1, 2017
A few interesting articles that we have come across this month.

Budget 2017 – let them pay for their sins.

March 1, 2017
axes for the wealthy have been rising steadily in recent budgets. This year was no different. The budget had one overriding theme – make the wealthy pay. The top tax rate is now 45% for those earning above R1.5million and for trusts. In addition, dividend tax increased to 20% from 15% with immediate effect.

Divorce and money matters

February 17, 2017
Too many times I’ve sat across the table from a sobbing woman going through divorce. Divorce is always heart breaking – but divorce involving a woman who has sacrificed her career, her financial power and sometimes her identity is particularly traumatic.

What keeps you going?

February 1, 2017
-By Sunél Veldtman   Some thoughts for those of us in the later stage(s) of our career Watching Federer and Nadal battle it out for the Australian Open Title, I marvelled at both men’s endurance. I have to confess, I am a Federer fan. There he is, late in his career, in better shape than ever and at ...

Why should you update your balance sheet every year (and discuss it with your financial planner)

February 1, 2017
This can be one of the best financial decisions you make. Make the time, it will be worth it.

Market Overview: Q4 of 2016

February 1, 2017
“There are decades where nothing happens, and then there are weeks where decades happen.” Vladimir Lenin.

Is your Financial Advisor CFP® qualified? Look for the CFP® mark

February 1, 2017
The CERTIFIED FINANCIAL PLANNER®/CFP® certification is the premier financial planning accreditation in the world and is recognised in 26 different countries.

Words Worth Reading

February 1, 2017
Words Worth Reading, January 2017

Certainty vs. scenarios: All the ways in which we get the future wrong

December 9, 2016
What Brexit & Trump and all that erroneous forecasting teaches us about investments and financial advice…

Seven reasons why SA is in a better state than ever

December 9, 2016
As South Africans we tend to look at our glass half empty. We over-exaggerate the bad stuff and gloss over the good. In light of this, we decided to look at seven reasons why we are in a better place as a country than we’ve ever been. So pour yourself a glass half full (at least) ...

Cheers 2016! Pair your wine with your year.

December 9, 2016
In true Foundation Family Wealth tradition Elke Zeki writes about the wines you need to try this December. Her inspiration? 2016 at a glance.

Plan for these five things in 2017

December 9, 2016
This article looks at the simple things we can do with our time and money to make us happier. Why happy? Well, we’ve lost the art of happiness. The research on happiness is unambiguous about the basics. They say: plan for these five things and you’ll be happier. Yet few people get these basics right.

Words Worth Reading

December 9, 2016
Words Worth Reading, December 2016.

Words Worth Reading

November 28, 2016
A brilliant read by Carl Richards from The Behavior Gap…   Uncertainty Scares Us, But You Can Do Something About It Can I be honest with you for a minute? I’ve struggled to write my column this week. Given what happened in the presidential election and the response I’ve heard and seen around the world, I have no idea ...

What to do with the fear of the future?

November 22, 2016
I have never really been gripped by fear. Until recently. Donald Trump and Brexit; the potential of Marie le Pen; and the rise of the right and the step backwards of Putin has gripped my heart with fear. Locally, there is much to be fearful about.

US Presidential Election 2016

November 10, 2016
We haven’t paid much attention to US elections in the past…Democrats, Republicans, Bush, Clinton or Obama – there has been a broad acceptance of neo-liberal capitalist policies supported by globalisation. Yesterday, that changed.

Fees and Investments

October 25, 2016
For many, investing can be intimidating. We tend to seek out people with more knowledge than we have, to sort out our finances and invest on our behalf. This is perfectly acceptable. But, why is it that people do not know what they pay for this investment advice?

Market Overview: Q3 of 2016

October 25, 2016
This quarter we faced unanswered questions on Brexit, entered a new era of politics in the USA, and changed guard at local, municipal level.

Words Worth Reading

October 25, 2016
Words worth reading, October 2016.

What’s going on with world growth?

September 12, 2016
Despite years of unprecedented stimulus from authorities all over the world, the global economy is sluggish. Global growth expectations are continually adjusted downwards and are still well below long-term averages. This year the World Bank adjusted its global growth forecast downwards to 2,4% from 2,9% in January. So, what’s happening with economic growth and why is ...

Unpacking the taxation of trusts

September 12, 2016
The taxation of trusts has been a grey area for some time. The proposed changes in legislation was published for comment recently.

Splashing out on a car or investing in your future?

September 12, 2016
Our Wealth Analyst Thiart van der Merwe writes the first article in our series on general financial planning for yuppies. Thiart is passionate about the everyday decisions we make, and how these affect our futures much more than our investment returns.

Words Worth Reading

September 12, 2016
Words worth reading, September 2016.

Market Overview: Q2 of 2016

July 25, 2016
“Every once in a while, the market does something so stupid it takes your breath away.” This famous saying by Jim Cramer pretty much sums up the second quarter of 2016, more specifically the last week of June.

Robo-Advisors: The financial planners of the future

July 22, 2016
There’s much talk about jobs like financial planning and wealth management becoming careers of the past. Futurists like Graeme Condrington are even suggesting that by 2025, these jobs, as we know them will be gone. Replaced by algorithms.

Words Worth Reading

July 22, 2016
We’ve found these articles fascinating. From a well-diversified portfolio, to growing old happy, and life in an accelerated age. Let us know what you think of these?

Market Overview: Q1 of 2016

April 15, 2016
While it is always difficult to predict where we were heading at the beginning of 2016, we could feel a bit more optimistic than we were at the start of the year. The constitution held up and a big victory for our democracy as the message was clear, no one is above the law in ...

Tax Update: Property REIT Structures

April 8, 2016
Since April 2013 most listed property companies converted to internationally recognised REIT structures from property loan stocks and unit trusts. This move brought South African listed property companies in line with global standards which also offered certain tax benefits to the structures. How does this affect the shareholder? Historically income distributions from property shares were primarily declared ...

Budget Review – A Step in the Right Direction

April 6, 2016
Minister Pravin Gordhan managed to keep most parties happy with a sound budget that contained fiscal consolidation targets and suggested commitment to growth. While it is a step in the right direction, South Africa still faces a likely downgrade by a least one of the rating agencies by December. Treasury has opted not to increase top ...

Looking Back, Taking Stock and Setting Goals – An Annual Review

March 4, 2016
An annual review of one’s life is such a healthy practise. Looking back gives you a sense of achievement and taking stock highlight growth areas and new goals. On a personal finance level, an annual review of your balance sheet is also a good practise. Have you made progress in your net asset value over the ...

The United States, a Declining Power or the “Indispensable Nation”?

March 3, 2016
PortfolioMetrix’s Brandon Zietsman wrote an interesting piece on the possible shift of power away from America to the likes of China, and whether you should look at size in isolation or is there more to a power shift than just the production numbers of a country. An interesting read. American exceptionalism has defined the way Americans ...

Market Review 2015

January 27, 2016
2015 was a tough year for markets around the world. The Rand crumbled to an all-time low. The currency lost 35% during the year and as at 31 December one dollar could get you R15.58 (compared to R11.56 at the beginning of the year). The only upside of this was that global investments held in dollars ...

Travel Ideas for a Weak Rand

January 27, 2016
I always plan my next holiday as soon as I get back from one. It takes a few days to ease back into a daily routine once I’ve become accustomed to late lunches and afternoon naps. So here I am, like every year, back from December holiday checking out all the public holidays, flight specials ...

Significant tax changes finalised in Taxation Laws Amendment Act

January 27, 2016
Earlier this month, the Taxation Laws Amendment Act was passed in parliament. The Act included significant retirement reforms. Although these reforms follow years of negotiations, it has still been met with resistance especially by labour unions. What do these reforms mean for high net worth individuals and families? We believe these changes go some way to simplify ...

Capital Gains Tax on Foreign Assets

January 26, 2016
As the tax season is upon us and we see an increasing amount of assets being bought offshore we want to shed some light on the Capital Gains Tax implications of these assets.

No ordinary revolution

December 3, 2015
Ahead of the festive season, we have put together a few ideas for different drinks, either as gifts or to enjoy at sunset. These refreshingly different drinks are all locally produced. Craft Beer There has been a huge revolution of craft beer in South Africa over the past few years. Many restaurants and bottle stores now offer ...

Resolutions and Reflections

December 3, 2015
It is the time of year for reflection and resolutions. As we head for the annual summer holidays or enjoy an opportunity to slow down a bit, there is time to think. We review the past year and think ahead. We think about what we can do differently for a happier life. Is that not what ...