Archive | July, 2012

WAAROM SUID-AFRIKANERS NIE KAN AFTREE NIE

Kan jy nog onthou toe ‘n brood R2 gekos het? Of miskien kan jy die dae onthou – net 10 jaar gelede – toe dit nog moontlik was om ‘n gemiddelde huis tussen 80-400m2 te koop vir net R400 000? As jy kan, sal jy verstaan wat die “tydwaarde van geld” is – en die rede waarom die meeste Suid-Afrikaners nie in staat sal wees om finansieel onafhanklik af te tree nie.

Vandag kos ‘n brood sowat R10. Die gemiddelde huis sal nou nader aan R1 miljoen kos. Die werklikheid is dat dit nie die brood, of die eiendom, is wat duurder geword het nie, maar die waarde van geld wat aansienlik verminder het.
En die waarde van geld sal voortgaan om te verminder. Oor nog tien jaar sal dieselfde brood nader aan R20 kos en dieselfde gemiddelde eiendom sal nader aan R1.8 miljoen kos.
“Die tydwaarde van geld verwys na die verskynsel dat die waarde of koopkrag van geld sowat elke sewe jaar met die helfte verminder, afhangende van die inflasiekoers,” verduidelik dr. Koos du Toit, uitvoerende hoof van P3 Investment Group. “Dit beteken dat jy oor sewe jaar met R1 slegs sal kan koop wat jy vandag met 50c kan koop.”
Die tydwaarde van geld – en die vinnige afname in die koopkrag van geld – is afhanklik van die inflasiekoers. Inflasie verhoog nie die waarde van goedere en dienste nie, dit verminder die koopkrag van geld, wat beteken dat jy elke jaar meer geld nodig het om dieselfde brood of gemiddelde grootte huis te koop. En die tydwaarde van geld is presies die rede waarom 95% van Suid-Afrikaners wat getrou bydra tot aftreefondse vir jare en jare, nie in staat sal wees om finansieel onafhanklik af te tree nie.
“Die meeste mense aanvaar nie dat hierdie statistieke op hulle van toepassing is nie, aangesien die waarde van hul aftreefonds by aftree-ouderdom aansienlik lyk in terme van die waarde van geld vandag. Maar hoeveel is jou aftreefonds werd oor 20 jaar as jy die tydwaarde van geld in ag neem?” vra dr. Du Toit. “Gestel jou aftreefonds sal R22 miljoen werd wees by aftrede in 40 jaar se tyd.
“Wat die waarde van hierdie R22 miljoen sal wees in 2052 sal grootliks afhang van die gemiddelde inflasiekoers oor die volgende 40 jaar, maar twee hipotetiese voorbeelde sal die punt illustreer.
“In die voorbeeld hier onder, as die gemiddelde inflasie 8% is oor die volgende 40 jaar, sal jou R22 miljoen aftreefonds ekwivalent wees aan sowat R850 000 in vandag se terme.

Dit beteken dat oor 40 jaar, wanneer jy aftree, jy met ‘n R22 miljoen aftreefonds in staat sal wees om te koop wat jy vandag kan koop met R850 000 – en dit is nie eens ‘n gemiddelde grootte huis nie!” sê dr. Du Toit. “Hoe lank sal jy in staat wees om jouself en jou gade finansieel te onderhou in aftrede met die ekwivalent van R850 000?”
Dit is dus dringend en krities noodsaaklik vir Suid-Afrikaners om ‘n praktiese alternatief vir hul aftreevoorsiening te vind.
“Die besit van eiendom – jou eie huis, sowel as koop-om-te-verhuur-eiendomme – maak dit baie makliker om vir jou aftrede te spaar.
Dit is omdat eiendom jaar na jaar in waarde groei, maar terselfdertyd ook ‘n maandelikse passiewe inkomste genereer wat tred hou met inflasie,” sê Du Toit.
Besoek gerus www.hope.co.za vir meer inligting oor hoe om ‘n gemaklike aftede te beplan.

Bedrag; Gemiddelde Inflasiekoers; Termyn; Waarde in vandag se terme

R22 miljoen; 5%; 40 jaar; R2 976 071
R22 miljoen; 8%; 40 jaar; R 851 425

Bron:  vaalweekblad.com

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U&S RADIO ALARMS CELEBRATE 20 YEARS

VEREENIGING. – Throughout the last 20 years of business, U&S Radio Alarms has grown to become a strong competitor in the Vaal Triangle and one of the foremost professional companies of its kind.

In October 1992, U&S Radio Alarms was established as a sub-division of U&S Power Electronics that was founded 28 years ago. In February 1993, the need for an in-house control room developed to facilitate sufficient control and monitoring of their own installations. Due to the increasing demand for efficient crime and industrial control, the further addition of a 24-hour Armed Response Unit was necessitated. U&S Radio Alarms now also do monitoring for domestic, industrial and commercial industries.
In 2011 it was decided to take more proactive means of monitoring and security to go hand in hand with the current reaction unit. Live video streaming of CCTV cameras enable us to verify alarm conditions and detects intruders prior to any criminal activities 24-hours a day.
“Our reaction and technical units are at the core of our service delivery to our clients, therefore we have six armed reaction and five technical units for any given panic and technical situations to be solved,” says Johan Steenkamp, one of the company’s two directors.
“With all the years of experience and advancement of technology and a staff membership of 81 people in total, we believe we are able to make a difference in the safety of the local community,” says Corrie Underhay, the other director.
On June 1 this year Alarms Specialist, previously Alarms International, was consolidated by U&S Radio Alarms.
U&S Radio Alarms would also like to show its appreciation to Mrs Carol Pereira with assisting the smooth transition of Alarms Specialist customers to U&S Radio Alarms.
“We would like to welcome all Alarm Specialist clients and assure you off great service and peace of mind for your safety and security”.
U&S Radio Alarms is a SAIDSA approved service provider; therefore all insurance companies accept the installations and services. They also comply with all the ICASA Regulations.
U&S Radio Alarms would like to thank all their loyal clients for the years of support and invite everybody to visit them at 36 Telford Street, Duncanville (Tel:  016 422 0760).

Source: vaalweekblad.com

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WORLD CLASS LABORATORY NOW OPEN AT SASOL

SASOLBURG – The Sasol Infrachem Laboratory at the Sasol One Site in Sasolburg, a facility that conducts process analyses for the chemical industry, was officially opened recently.
As part of the R14 billion Sasolburg Expansion Project that started in 2010, the construction of the R342 million laboratory was approved and began due to an increased demand for laboratory analyses thus a significant increase in instrumentation.
According to Managing Director of Sasol Infrachem, Louis Fourie, maintenance costs increased significantly, utilities began deteriorating and the overall safety of the building became a huge concern for Sasol. The new building is a significant investment for the Sasol One Site Sasolburg and demonstrates the company’s commitment to the South African asset base. “It is in line with Sasol’s strategy to leverage our advanced proprietary technology and is also aligned with our longer term plans to significantly grow the chemicals businesses of the Sasol Group,” he says.
The new 24/7 laboratory provides space for all Sasol Infrachem laboratories under one roof with a total floor area of an estimated 13 000m2 over six levels. The building makes provision for a 10 percent growth and creates synergy opportunities for other Sasolburg laboratories such as Sasol Wax, Sasol Solvents and Sasol Polymers.
The design of the Sasol Infrachem laboratory is based on international and modern best practices with adequate space for current and future growth and expansions.  Among other expansion plans for Sasolburg is the R8.4 billion Sasol Wax Expansion Project. The first phase of the project will come into operation towards the end of 2012. When complete in 2014, it will double the production of hard wax in South Africa.

Source: vaalweekblad.com

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