1
ESTATE EMAG JULY 2016
2
A division of GLOVent Solutions www.glovent.co.za
E-mail: [email protected]
Disclaimer: This eMagazine is produced especially for residents of Dunkirk Estate to provide updates and useful information. It is produced by GLOVent Media, a division of GLOVent Solutions, on behalf of the Dunkirk Estate. Although every effort is taken to ensure accuracy of content, Dunkirk Estate HOA and/or the Publisher, cannot be held liable for any inaccurate information, and may not agree with all opinions expressed in this publication.
ADVERTISING ENQUIRIES
Contact our sales team
Tel: 0861017424
E-Mail: [email protected]
CONTENTSInterview 03
10 Plant-Based Foods 06To Boost Your Immunity
Ray’s Kitchen Winter Favourite 11
Merit Award 12
Thank You 13
Rescued Duiker 15
The Buck Encounter 16
Buying A House VS. Renting And Investing In Shares 17
3
Scott, you are a well known businessman in the Estate, tell us a bit more about what you do. I’m fortunate to work in our family business, which has various in-terests in Northern Zululand, we have been been in business since 1918. My role is to look after our Spar stores. It’s a difficult business but Spar is a great brand and we have a great team at the moment.
You have just completed the Freedom Challenge, and did so un-assisted. What does the Freedom Challenge involve and explain how extreme the race is?Well it’s a non-stop 2300 km mountain bike race from Pietermaritzburg to Paarl. There are 25 check-in stations along the way, where various hosts feed and have a bed for you. The rest of your gear is in your backpack, so you can choose to sleep in or you can just keep going.
INTERVIEWSCOTT RUTHERFOORD
4
Does the Freedom Challenge have a set route?
Yes! You basically get a map and a narrative, and you navigate the
‘Freedom’ trail. It changes slightly each year, but the basic standard route
was set up in 2003 by David Waddilove. He ran it from from Cape town
to Pietermaritzburg in order to get fit and run the Comrades. It follows
a variety of dirt, jeep, old ox wagon & cattle tracks. A GPS would assist
but they banned them, so your navigation & map reading needs to be
reasonable. It’s an intrepid adventure,
What were some of the challenges?
I bought a secondhand hardtail Giant before the ride, and fortunately
I didn’t have a single mechanical issue or a flat tire the entire 17 days.
There is no denying that the hour before dawn in the Karoo can be
exceptionally cold, but I had great feather light warm kit. Riding at night
can be daunting in the wilderness, but being out in a massive expansive
space like the Karoo or in the Baviaans, alone, under a night sky filled
with sparkling stars, so exposed can be emotional. My biggest challenge
was my skinny paddler knees! The 2 of them took strain after some of the
tormenting hikes carrying the bike, the three of us had a couple of good
discussions on the side of the trail.
You have competed in many sports at World Champ level. Paddling
and SUPing to name a few. How did you come to be so involved in sport
and have you always excelled in it throughout your life?
I’m hopeless at ball sports, but the sea sports have come easier,
probably because I get such enjoyment being out there. Like anything,
if you put your mind to achieving something, and you enjoy doing it
and you persist, it usually comes easier.
Your wife is also an avid sportswoman and you have three boys at home.
Do you all enjoy being active together… do you participate together?
I love surfing with Jules, she’s a great surfer & competitive so my wave
count tends to drop when we are out in the lineup together. Knox is
starting to surf now and Harrison is mad about fishing, and exploring.
Sebastian is trying to dominate all of these and more. We try and run with
the boys a bit. The truth is if you don’t exercise them the house is manic.
SCO
TT RU
THER
FOO
RD
CO
NT.
5
Your wife, Julia, is also extremely busy as she is a sought after architect
in Dunkirk. With your family being so active and busy, what do you enjoy
doing in your down time.
One of the great things about doing a challenge like the ‘Freedom’,
is that it tends to put a lot of things into perspective;health, family and
friends…enjoying the present. So from that perspective doing little
things together, like catching sea lice or black tail, walking through
the Dunkirk forest at night with headlights, pot drumming sessions to
“thunder struck”, this can be a lot of fun.
SCO
TT RU
THER
FOO
RD
CO
NT.
6
10 PLANT-BASED FOODS TO
BOOSTWith the colder weather upon us, we all need a bit of extra help to keep the flu away.
YOUR IMMUNITY
www.dummies.com
7
Garlic - The most pungent of the plant kingdom inhabitants, garlic contains
the immune-stimulating compound allicin, which promotes the activity of
white blood cells to destroy cold and flu viruses. It also stimulates other
immune cells, which fight viral, fungal, and bacterial infections. Garlic kills
with near 100 percent effectiveness the human rhinovirus, which causes
colds, common flu, and respiratory viruses. Because allicin is released
when you cut, chop, chew, or crush raw cloves, allow freshly chopped
garlic to stand for 10 minutes and then cook it, sprinkle it over foods, drop
it into soup, or swallow bits of garlic with some water like a pill. You can
also drop a clove of garlic into some honey and swallow it immediately
for a quick dose that tastes good!
Onions - Onions, like garlic, contain allicin. They also contain quercetin,
a nutrient that breaks up mucus in your head and chest while boosting
your immune system. Additionally, the pungency of onions increases
your blood circulation and makes you sweat, which is helpful during cold
weather to help prevent infections. Consuming raw onion within a few
hours of the first symptoms of a cold or flu produces a strong immune
effect. Chopping onions into your favorite soup or cooked recipe is a
great way to enjoy them. Also, it may sound a little weird, but putting half
an onion in your bedroom while you sleep can help absorb some of the
circulating bacteria and potentially lessen the symptoms of your cold.
Ginger - Spicy, pungent, and delicious, ginger reduces fevers, soothes sore
throats, and encourages coughing to remove mucus from the chest. Anti-
inflammatory chemicals like shagaol and gingerol give ginger that spicy
kick that stimulates blood circulation and opens your sinuses. Improved
circulation means more oxygen is getting to your tissues to help remove
toxins and viruses. Research has indicated that ginger can help prevent
and treat the flu. Ginger is also extremely helpful for stomach aches,
nausea, and headaches. If you’re feeling a little sickly, a homemade
ginger tea is one of the best things you can drink. Slice some fresh ginger
BOO
ST YOU
R IM
MU
NITY C
ON
T.
8
root, place it into a pot with water, and bring to a boil. Then drop in a bit of
lemon juice or cayenne, which makes the tea that much more effective
at nourishing and purifying your system.
Cayenne - The cayenne family of hot peppers (cayenne, habanero,
Scotch bonnet, and bird peppers, to name a few) contains capsicum
— a rich source of vitamin C and bioflavonoids, which aid your immune
system in fighting colds and flu’s. It does this by increasing the production of
white blood cells, which cleanse your cells and tissues of toxins. Cayenne
pepper is also full of beta carotene and antioxidants that support your
immune system and help build healthy mucus membrane tissue that
defends against viruses and bacteria. Spicy cayenne peppers raise your
body’s temperature to make you sweat, increasing the activity of your
immune system. The fresher the pepper, the more effective it is. However,
fresher also means spicier, so choose accordingly. When you’re sick, add
organic cayenne powder to some warm water with lemon juice for an
intense immune boost.
Squash - Squash is a good source of vitamin C and carotene. The six
carotenoids (out of the 600 found in nature) found most commonly in
human tissue — and supplied by squash and other gourds — decrease
the risk of various cancers, protect the eyes and skin from the effects of
ultraviolet light, and defend against heart disease. One of them, alpha-
carotene, helps slow down the aging process. Butternut squash is the
strongest source of these nutrients, but you can also try acorn, Hubbard,
delicata, calabaza, and spaghetti squash.
BOO
ST YOU
R IM
MU
NITY C
ON
T.
9
Kale - Like other leafy greens, kale offers up a good dose of vitamin E.
This immunity-boosting antioxidant is known for increasing the production
of B cells, those white blood cells that kill unwanted bacteria. Whether
you eat kale raw in a salad, steam it, or lightly sauté it, you’ll reap all of its
wonderful benefits.
Citrus Fruits -Adding a bit of citrus to your diet goes a long way toward
fending off your next cold or flu. Packed with vitamin C, oranges and
grapefruits help increase your body’s resistance to nasty invaders. The
best way to enjoy citrus fruits is to eat them whole. Otherwise, you can
make fresh juice yourself (stay away from the premade stuff in cartons or
in the freezer section at your supermarket).
Green Tea - Green tea is a potent source of antioxidants called polyphenols
— especially catechins. Some studies have found that catechins can
destroy the influenza and common cold viruses. Sipping a hot cup of
green tea when you’re feeling under the weather can really help you
come alive again. Try adding some honey or lemon to kick it up a bit.
BOO
ST YOU
R IM
MU
NITY C
ON
T.
10
Miso Soup - Miso soup is the plant-based version of chicken-noodle soup. It
has wonderful healing properties that are amazing at boosting immunity.
As a living food, miso is loaded with enzymes and healthy bacteria that help
fight infection and keep your cells thriving. All you need is one teaspoon
of miso paste stirred into a mug or bowl of warm water, and you’re set. Sip
this down, especially at the first sign of a cold or when you’re just feeling
“off” with a stomachache, headache, or something like that. This is sure
to hit the spot and make you feel good all over.
Mushrooms - For centuries, people around the world have turned to
mushrooms for a healthy immune system. Contemporary researchers
now know why. Studies show that mushrooms increase the production
and activity of white blood cells, making them more aggressive. This is a
good thing when you have an infection. Shiitake, maitake, chaga, and
reishi mushrooms appear to pack the biggest immunity punch. Experts
recommend eating a quarter ounce to an ounce a few times a day for
maximum immune benefits.
BOO
ST YOU
R IM
MU
NITY C
ON
T.
11
Ray’s Kitchen Winter Favourite
ROASTED RED PEPPER AND TOMATO
This delicious bowl of yumminess is finished off with a glug of cream, some basil oil, a few seeds, and health toast on the side. This is definitely one for a cold winter’s day!
12
Merit Award
A few months ago, a massive tree branch had fallen onto the Estate’s perimeter fence, causing some damage. Lucky noti-fied management about the incident. He took the initiative to contact Alarm Fencing (fence contractor). By the time man-agement got to site, the fence was already being repaired. His initiative and actions assisted in getting the fence repaired in a couple of hours. As you can imagine, having a damaged fence makes the Estate vulnerable, and Lucky’s quick actions made sure that this was kept to an absolute minimum. To add to this, Lucky used his own personal phone to make the calls, he was subsequently reimbursed.
13
THANK YOUGumede is one of our long-term guards at the Dunkirk gate. He recently had an electrical fire break out in his house damaging a large protion of his home and belongings. We sent out an email informing residents and we had incredible feedback from the Homeowners donating food vouchers, furniture, appliances, etc. Dunkirk also replaced his electrical meter. He is so appreciative and completely humbled with all the support and love he has received.
14
THA
NK YO
U C
ON
T.
He asked for this message to be passed on: “Thanks a million to the
residents of Dunkirk Estate, who made donations for me to fix the
damage to my house, I can’t believe that my kitchen & lounge is now
back to normal, electricity meter has now been installed, also wall
painting has been done. I have really appreciated the past 8 years in
Dunkirk. Once again, thanks to Dunkirk residents and management,
God bless. “ Dunkirk Management and Gumede wish to thank the
following residents who assisted Gumede in his time of need (anyone
else that might have assisted whose name is not on this list, we thank
you for your support. There might be some residents who helped him
out directly without notifying the office):
Dunkirk Real Estate (Pty) Ltd
Jenny & Alan Le Vieux
Robyn & George
Constantinou
Greg &Rosena Fish
Robin & Ann Streit
Susan Dallas
Rob & Elaine Philipson
[Kim Parsons
Natalie Smith
Brandon & Avril Diamond
Peter Bendall
Kurt Radzom
SebHerscovitz
Paula Owen
Jackie & Sergio Mendes
Kim & Richard Noyce
Ashley Noyce
Clarkson Family
Leigh Hammerton
De Robillard Family
Beverly Noble
Greg &Rosena Fish
Sarah Fitzgerald
Pottinger Family
Neville Shotland
Dunkirk Home Owners Association
15
RESCUED DUIKEROur Estate Manager and one of our residents rescued a baby Blue Duiker at the beginning of July. This beautiful animal was taken to CROW - Centre for Rehabilitation of Wildlife to be properly looked after and is doing well.
16
THE BUCK
ENCOUNTER The Management team was having a meeting with the Security Area
Manager inside the office and were startled by the the fence activation
alarm suddenly going off. Within seconds the guards were on the radios
and on their way to investigate. We also had alarm fencing technicians
on site doing repairs so, Muzi, the technician went down to investigate
with the guards. Upon reaching the activation point, Muzi and the guards
were in utter shock. Lying on top of the fence was a carcass of what we
can only presume to be a Duiker. Everyone was extremely confused as
to how the animal reached the top of the fence. Management went to
investigate the scene after being notified, and the guards had to push the
body just beyond the boundary fence in order to get the alarm to stop.
Upon getting closer to the scene, Muzi pointed out where the carcass was
and on the ground next to it was a giant bird of prey. It had already started
nibbling on the dead animal and was obviously disturbed and it took off.
The bird was so large, and its wingspan was so enormous, watching this
bird take off was like a scene out of the movie Jurassic Park. The bird then
tried to pick up the carcass but it dropped it mid-flight. What we assume
had happened is that the large bird (later identified as possibly being a
Crowned Eagle) had in fact been eating the animal and must have tried
to move it and dropped it on the electric fence. Needless to say we were
all shocked and couldn’t believe what we had witnessed! Never a dull
moment on our beautiful Estate.
17
Any analysis of the issue is complicated by the fact that there are numerous variables to take into account that can change over time, that buyers’ circumstances are different and that the future is unknown. Yet, there are some interesting insights to be gained by comparing an investment in a primary residence with renting and investing in shares.
www.moneyweb.co.za
BUYING A HOUSE VS. RENTING AND INVESTING IN SHARES
18
A model - A primary residence does not provide an investor with an
income yield and as a result the only return component that has to be
considered when doing a comparison is capital growth, a Johannesburg-
based analyst says. Since 1966 average annual house price growth
after inflation has been 0.9%. Adjusting the annual average returns of
the JSE All Share Index (Alsi) for inflation, the Alsi has provided investors
with a real (after-inflation) return of around 15% per annum over the
past 10 years, 9% over the past 20 years and 11% for the past 30 years,
he says.
The cash case - Consider buying a house or investing in shares with
this data in mind. If a house was purchased for R1.5 million today, the
property would be worth R1.87 million in 25 years’ time after adjusting
for inflation (i.e. in today’s money). Using a long-term average of the
historic JSE returns of 10% (after inflation), the initial share investment
would grow to be worth R16.25 million during the same time period,
he says. However, not many people have the initial capital to commit
R1.5 million upfront to finance their choice of shares or property. Most
consumers borrow from the bank.
The finance case - Assuming that the house would return 6.9% per
annum and that it was fully funded by debt for 25 years with interest
of 10% per annum, the buyer would have a monthly installment of R13
630,50. At the end of the period, the net asset value of the house would
be R1.82 million (adjusted for inflation), the analyst says. If the individual
had instead chosen to rent over the 25-year period, had paid rent of
R10 000 a month and invested the balance of R3 630,50 in shares at an
average annual return of 16%, the net asset value of the investment
would be R2.94 million. “You would thus be approximately 62% better off
in real terms by investing in shares with your residual income,” he says. A
monthly rental value of R10 000 equates to R120 000 per annum – an 8%
yield on the R1.5 million cost of the property. This would be a reasonable
income yield for a residential landlord of a property and affordable
for the person who prefers to rent instead of buy, the analyst says. It
should be noted however, that the assessment depends on various
assumptions and does not account for interest rate changes, inflation
in the rental charge or salary increases – but assumes maintaining the
real rate of savings at R3 630,50.
BUYIN
G A
HO
USE V
S SHA
RES C
ON
T.
19
BUYIN
G A
HO
USE V
S SHA
RES C
ON
T.
Costs - While an assumed average annual return of 16% on share
investments, might be considered too high, there are also other factors
to take into account. Many assessments fail to take transaction and
holding costs associated with property and share ownership into
account, the analyst says. “Typically, it costs a retail investor 0.5% to
purchase shares through a bank (index funds may be even cheaper)
while your costs to purchase a property often add up to as much
as 5% of the cost of the property (transfer duty, legal fees, etc.). “It
would generally cost an investor in an index fund 0.5% for annual
administration and management of the investment. One often spends
a lot more than this on security, house upgrades and changes – in the
case of my parents, this has been far more than 1% of their property
value annually,” he says. The costs involved in disposing of shares also
amount to around 0.5% and could be even more than 6% of the value
of a property on sale given the additional marketing costs required to
find buyers, he says. “Bear in mind that it often takes more than two
months to sell a property where shares can be sold on the day when
one may require capital. This timing or liquidity element is also a cost.
“These costs will likely have a significant detrimental impact on your
potential return and will likely push property returns into negative
territory on an inflation adjusted basis with a 25-year view,” he says.
Diversification - Owning shares in the JSE is equivalent to owning
small pieces of many different companies. This provides you with a
significant amount of diversification to reduce a number of different
risks, the analyst says. “The majority of the JSE earnings are derived
from sources outside of South Africa – you are hence afforded
geographical diversification and currency protection from the rand
continuing to slide (whatever your view on this might be). “Investing in a
single property (or an additional ‘investment property’) will never provide
the average investor with the same degree of diversification,” he says.
20
BUYIN
G A
HO
USE V
S SHA
RES C
ON
T.
To each his own - The model highlights that share investments can
outperform the gains in property values significantly in the long run,
but investors should also consider whether they would have the
discipline to invest in stocks consistently over an extended period of
time. While failure to pay a monthly bond installment will ultimately
result in repossession, suspending an exchange-traded fund debit
order for a month or six when times are tough won’t have the same
immediate impact on an investor’s lifestyle. At the same time, investors
should note that while the banking industry is quick to point out that
renting is “paying off someone else’s bond”, repaying a bond over 25
years would entail paying more than double the original selling price
while the bank will be the party to profit. Ultimately, investors need
to consider their own circumstances, goals and risk profiles before
making a decision.
21
R E A LE S T A T E
WE’VE GOT IT COVERED.
BUYING, SELLING OR RENTING?
Nobody knows Dunkirk Estate better than we do. That’s because we’ve been here since the first property was built nearly 10 years ago. So whether you’re looking to buy, sell or rent property at this unique coastal forest estate, contact the specialists. Contact Dunkirk Real Estate.
Dunkirk Real Estate (Pty) Ltd
Robin Streit: +27 72 279 7535 | [email protected]
22
The Application is designed to, amongst others, improve management efficiency and ensure an effective and easy to use communication channel between residents and Estate administration.
FOR MORE INFORMATION CLICK HERE
WE HAVE EXCITING NEWS!The Gloportal Residential App is Ready to be Downloaded.