• 'It’s not the years in your life that count. It’s the life in your years' – Abraham Lincoln
  • 'Education is not preparation for life; education is life itself' – John Dewey
  • 'If you don’t design your own life plan, chances are you fall into someone else’s plan. And guess what they have planned for you?
    Not much.'- Jim Rohn
  • 'Your present circumstances don’t determine where you go, they merely determine where you start' - Nido Quebein
  • 'I can’t change the direction of the wind but, I can adjust my sails to always reach my destination' – Jimmy Dean
  • 'What great thing would you attempt if you knew you could not fail' – Robert H Schuller
  • ‘Don’t simply retire for something, have something to retire to’ – Harry Emerson Fosdick

Welcome to Aspiring Views issue 5!

on .

Our theme for our fifth quarterly e-mag is inspired by Mandela Day & giving back to the community. And on the finance side, grow your wealth.

Instead of only giving 67 minutes of our time on Madiba Day we are embarking on Random Acts of Kindness during the month of July. We hope you enjoy the read!

Click on the image to read Aspiring Views Issue 05

- Featured Lifestyle - Giving Back, Taking Action & Inspiring Positive Change
- 9 Things to do for children this Mandela Day
- Top Five Steps to sustainably grow your wealth
- Enter our Book Competition
- Walk a mile in someone else's shoes
- Winter Warmth Drive for July
- Recipes - Traditional South African Comfort Food
- Your Legacy - Peace of mind for your loved one’s

We would love to have your feedback - please EMAIL US HERE

Walk a mile in someone else’s shoes

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Aspire Wealth Management would like to take this opportunity to thank each all our clients, and members of the public that contributed to our May shoe drive. We collected a whopping 188 pairs of shoes.

"Shoe Drive"








 "Golf Day"






Higher Education Enrollment

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Looking for a suitable university or need to know what the application closing dates for 2016 are? The following links provide easy access to help you plan. Note though that some institutions already have a 2016 application closing date of 30 June 2015. 

For quick access to information regarding all South Africa Universities, follow this link:

University of Johannesburg - www.uj.ac.za
Various faculties have different application closing dates, see details here: http://www.uj.ac.za/EN/StudyatUJ/StudentEnrolmentCentre/ApplicationProcess/Pages/home.aspx

University of the Witwatersrand - www.wits.ac.za
Various faculties have different application closing dates, see details here: http://www.wits.ac.za/prospective/undergraduate/apply

University of Pretoria - www.up.ac.za
Various faculties have different application closing dates, see details here: http://www.up.ac.za/en/new-students-undergraduate/article/256365/closing-dates

Unisa Online - www.unisa.ac.za 
View how to apply here: http://www.unisa.ac.za/Default.asp?Cmd=ViewContent&ContentID=23989 

University of Limpopo - www.ul.ac.za
30 September 2015 - Closing date for first entering students.
View the 2016 admission requirements here: http://www.ul.ac.za/index.php?Entity=Admission%20Requirements

University of KwaZulu-Natal - www.ukzn.ac.za
Medicine: 30 June 2015: No late applications are accepted.  
All other programmes: 30 September 2015.
View the 2016 admission requirements here: http://applications.ukzn.ac.za/ApplicationProcedures/Undergraduate-Applicants/How-to-Apply-First-Time-Applicants.aspx

University of the Free State - www.ufs.ac.za
View the full 2016 Undergraduate here: http://kovsielife.ufs.ac.za/content.aspx?uid=29

North-West University - www.nwu.ac.za
30 September 2015 – Closing date for 2016 applications for admission.

University of Cape Town - www.uct.ac.za
View the full 2016 UCT Application Directions here: https://www.uct.ac.za/apply/dates

Stellenbosch University - www.maties.com
30 June 2015 – Closing date for all 2016 applications for admission.

Milpark Education - www.milpark.ac.za
Milpark Education is a private, registered provider of accredited Higher Education (HE) and Technical and Vocational Education and Training (TVET) qualifications. Various faculties have different application closing dates for 2nd Semester admissions, see details here: http://www.milpark.ac.za/new-students/general-info/online-application

Are you considering a tax-free savings account?

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By Grace Van Zyl

There has been a lot of hype and media attention regarding tax-free savings, so before you rush out and go and get one you need to consider a few things.

How do tax-free savings work?

- Contributions are from post-tax money
- Growth is tax-free, no tax on dividends, interest on capital growth
- You are restricted to an annual contribution of R30 000 and a lifetime restriction of R500 000
- Contribution in excess of this will face a 40% penalty
- There are no performance fees, No direct share portfolio or guaranteed or structured products

Tax-free savings accounts do not necessarily replace retirement annuities. Current legislation allows a 15% contribution of your non-pensionable salary towards a retirement annuity. Assuming you earn R240 000p.a. this would mean a contribution of R36 000p.a. (more than the annual tax-free saving contribution) which is tax deductible. Case studies performed by Acsis & Old Mutual have shown that retirement annuities/vehicles are still better for clients earning from R20 000pm for the following reasons:

- More after tax income in retirement
- You cannot access retirement savings before the age of 55
- The investment risk taken is limited
- Free from Estate Duty
- Protected from creditors

Some clients would like to open a tax-free savings account in their children’s names for education etc. Firstly your children do not earn an income so they are not taxed anyway. Secondly you would use your children’s contribution allowance which they may want to use once they leave school. Thirdly you cannot replace contributions if you make withdrawals from a tax-free savings account. So does opening a tax-free savings account in your children’s names make sense?

Some clients would like a tax-free savings account to save for short to medium–term goals. One needs to consider the fact that should you withdraw money from this account you cannot replace these contributions with the amount you withdrew. You need to understand your reasons for having a tax-free savings account and be aware of the limitations and penalties you may face if you exceed you annual limit.

Please feel free to contact Aspire Wealth should you need more information or advice regarding tax-free savings.                                                                                                                                                                   

Why we celebrate Youth Month in June?

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The youth protests of June 16th 1976 were pivotal as one of the key events that fuelled the change that eventually led to a democratic New South Africa. Nowadays June is celebrated as Youth month and the 16th of the month as Youth Day, which pays tribute to the school pupils who lost their lives during the uprising in Soweto.

One of the expectations with this is that the youth of today should acknowledge – and learn from – what their 1976 predecessors went through to fight for the freedom they are enjoying today, how the youth took to the street to fight the unfair – and below par – education system when they felt “enough is enough” and demanded a bright future for themselves and the future youth.

This Youth Month was conceived with that principle, not just of nostalgia, but of that guiding aphorism that “people who do not learn from the past are bound to repeat it”, and that today’s youth can learn a lot from that fighting spirit that characterised the youth of 1976.

What happened on the 16th of June 1976?

More than 15 000 students gathered at Orlando West Secondary School with the intention of participating in a peaceful march to the nearby Orlando Stadium. The demonstration had been planned in protest against the use of Afrikaans as the medium of instruction at schools.

However, the police and armed forces responded to the protest violently and the first fatality of the day was Hector Pieterson, a 12-year-old pupil who was shot by the police. It is believed that 175 others were also killed that day.

This violent backlash to what was meant to be a peaceful march caught the attention of the international community. After this event, many countries imposed sanctions on South Africa in an attempt to force the apartheid government to ease its repressive rule.

May the month of June remind the youth, that if they want change in their lives they should take a stand and express themselves in a way that has a positive impact in their lives and the lives of other people no matter their age, race or creed.                                                                                                                                                                                                                                                        

     Aspire Wealth Management offices will be closed on Tuesday the 16th of June 2015
             In case of emergencies; please contact Grace Van Zyl on 083 333 7766                             

Nursing as a Career

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By Heather Smithard - Managing Member of Websister

Nurses are the angels of any healthcare system. Without them there would be no healthcare system in the country. They are the go to healthcare professionals in all of South Africa’s hospitals and clinics.

While there are certainly many negative connotations associated with nurses currently, the majority of nurses believe it is their calling and go to work with pride knowing that they are going to deliver a service worthy of respect from their colleagues and patients.

In South Africa, there are different levels of nursing beginning with the entry level of an auxiliary nurse, and takes one year of full time study. They work under the supervision of an appropriately qualified nurse. The next level is the staff nurse which requires three years of full time study, and work as a general nurse. These nurses can advance their education and become midwives. Professional nurses have completed a four year degree and have the opportunity to further their education and specialise in a number of various disciplines. These specialised professional nurses are highly dedicated and respected individuals.

Notwithstanding these qualifications, nurses require additional important qualities which include empathy, attention to detail, excellent communication skills, intuition, physical endurance, emotional stability, flexibility, interpersonal skills, problem-solving skills, respect and critical thinking.

Nurses have a tough job and wear many hats, and are definitely not appreciated enough. Communication is an important skill to ensure that patients know what is happening at all times. Although they are dealing with patients on a daily basis, nurses need to remain cool, calm and collected even during tragic and stressful periods. Their ability to empathise with patients is crucial, and need to have physical endurance to handle whatever the day throws at them. The ability to think quickly on their feet, utilise their problem-solving and critical thinking skills is vital. Good interpersonal skills equip them in dealing with doctors, colleagues and patients alike. At the end of the day, no matter how intense it gets, a great nurse will always pay attention to their patients, from the smallest aspect to the largest issue. 

For more information visit www.websister.co.za 

Acsis 'How Much is Enough?' Event

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Written by Grace Van Zyl

“For what is money without happiness? What is wealth without wellbeing? And what is life without meaning?” extract from How Much is Enough?.

We recently co-hosted a successful and enjoyable client event with Acsis in May at the Balalaika hotel. Clients gave us positive feedback and it was great to catch up with all who attended.

Guest speaker, Andrew Bradley, CEO of Acsis and Old Mutual Wealth, touched on the importance of wealth and happiness and finding the right balance between the two. We all think at some point that if we had enough money we’d be happy. For most of us, money and happiness are among the biggest issues in our lives today. In Andrews latest best-selling book How Much is Enough?, he explains that the answer lies beyond the balance sheet, in the mind, heart and spirit of an individual investor. For those of you who have not read the book yet, I highly encourage you to read it soon (or if there is a father’s day present that still needs to be bought….).

Andrew touched on an array of themes, but the ones that stood out most for me were:

• Effectively planning for one’s finances is becoming more essential as our life expectancy is increasing and we continue to be prone to making poor financial decisions
• Planning for one’s money in isolation is more likely to lead to sub-optimal outcomes

• Planning for one’s life first, and only then the money, is likely to lead to better outcomes and increases the chance to leading a more fulfilled life
• The latest international research shows that a key determinant of successfully managing one’s finances is our level of happiness!

Andrew has built up this experience over many years and, because we are working closely with Acsis, we have seen the significant benefits to our clients of applying these principles. I look forward to further exploring these aspects with you in future.


Father's Day Treats!

on .

Hearty Potato Skins

By Cara Lyons
Photo: Maya Visnyei

We've taken your classic potato skins and given them a hearty makeover, using black beans, spring onion and a kick of spicy jalapeño. Both the potatoes and the filling can be made in advance and simply assembled and baked the day of your party.

Serves: 8
Hands-on time: 30 minutes
Total time: 2 hours, 20 minutes

Olive oil cooking spray
Medium / Large potatoes, scrubbed
1/3 cup chopped red onion
1 small jalapeño chili pepper, seeded and minced
1 clove garlic, minced
1 large tomato, diced
1/2 cup cooked or BPA-free canned black beans, drained and rinsed
1/2 cup frozen corn kernels
1 1/2 tsp ground cumin
3/4 tsp chili powder
1/2 tsp sea salt
3/4 cup low-fat shredded cheddar cheese
1 cup low-fat sour cream
1/4 cup finely chopped spring onions
1/4 cup finely chopped fresh coriander leaves

1. Preheat oven to 220°C. Line a large, rimmed baking sheet with foil and mist with cooking spray. Prick each potato several times with a fork and transfer to sheet. Bake for 50 minutes, turning once. Cool completely, about 1 hour.
2. Meanwhile, mist a large skillet with cooking spray and heat on medium-low. Add onion and jalapeño and cook for 3 to 4 minutes, stirring occasionally, until softened. Add garlic and cook for 1 minute more, until fragrant. Add tomato, black beans, corn, cumin and chilli powder. Increase heat to medium and cook, stirring occasionally, for 5 more minutes.
3. Preheat broiler to high. Slice each potato in half lengthwise. Scoop out flesh, leaving a 1/4-inch shell, reserving flesh for another use. Place potatoes skin side up on a foil-lined baking sheet. Mist with cooking spray and sprinkle with salt. Broil for 4 to 5 minutes, or until crisp and golden.
4. Remove potatoes from oven, using tongs to carefully flip over. Fill each potato skin with bean mixture and top with cheese, dividing evenly. Return to oven and broil for 4 to 5 minutes more, until hot and bubbly. Remove from oven. Top each with sour cream and sprinkle with spring onion and coriander, dividing evenly.

MAKE AHEAD: Recipe can be prepared through Step Two up to a day in advance. Cover and refrigerate potatoes and black bean filling separately.

Nutrients per serving (2 Hearty Potato Skins): Calories: 104, Total Fat: 5 g, Sat. Fat: 2 g, Monounsaturated Fat: 0 g, Polyunsaturated Fat: 0 g, Carbs: 9 g, Fiber: 4 g, Sugars: 4 g, Protein: 6 g, Sodium: 257 mg, Cholesterol: 18 mg. Nutritional Bonus: If you skip the deep fryer, potato skins can be loaded with health benefits. They contain immune-boosting vitamin C, muscle-supportive potassium and heart-healthy fiber!

Spicy Chicken Wings with Blue Cheese Dip

By Linda Melone
Photo: Edward Pond

Try our hot 'n' spicy wings, which rival the ones you'd find at your local sports bar, on Rugby weekends, movie nights or even for simple weeknight suppers – and don't forget the Blue Cheese Dip!

Serves: 4
Hands-on time: 10 minutes
Total time: 1 hour (including marinating time)

12 bone-in, skin-on chicken wings (about 500grams), trimmed of visible fat
4 tbsp hot sauce
1/4 cup low-fat cottage cheese
1/4 cup low-fat plain yogurt
1 tbsp crumbled low-fat blue cheese
2 tbsp extra-virgin olive oil
1 tbsp paprika
1/4 tsp ground cayenne pepper
1/8 tsp fresh ground black pepper
1/4 tsp sea salt, divided
Pinch fresh ground white pepper
Olive oil cooking spray

1. Place chicken wings in a large resealable plastic bag. In a small bowl, stir together oil, hot sauce, paprika, cayenne, black pepper and 1/8 tsp salt. Pour mixture into bag with chicken, seal and set aside to marinate at room temperature for 30 minutes.
2. Prepare dip: In a small bowl, blend cottage cheese, yogurt, blue cheese, remaining 1/8 tsp salt and white pepper with a fork. Refrigerate until serving.
3. Preheat oven to 220°C. Line a baking sheet with foil and lightly coat with cooking spray. Remove chicken from bag, discarding marinade. Arrange chicken on sheet in a single layer and bake for 15 minutes. Flip chicken and bake for 15 more minutes or until chicken starts to brown. Serve with dip, removing chicken skin before eating, if desired.

Nutrients per serving (3 skinless wings and 1/4 cup dip): Calories: 203, Total Fat: 13 g, Sat. Fat: 2 g, Monounsaturated Fat: 6 g, Polyunsaturated Fat: 1 g, Carbs: 3 g, Fiber: 1 g, Sugars: 2 g, Protein: 23 g, Sodium: 605 mg, Cholesterol: 53 mg


The Origins of Father's Day

on .

On July 5, 1908, a West Virginia church sponsored the nation’s first event explicitly in honour of fathers, a Sunday sermon in memory of the 362 men who had died in the previous December’s explosions at the Fairmont Coal Company mines in Monongah, but it was a one-time commemoration and not an annual holiday. The next year, a Spokane, Washington woman named Sonora Smart Dodd, one of six children raised by a widower, tried to establish an official equivalent to Mother’s Day for male parents. She went to local churches, the YMCA, shopkeepers and government officials to drum up support for her idea, and she was successful: Washington State celebrated the nation’s first state wide Father’s Day on July 19, 1910.

Interesting Trivia On Father's Day

In most of the countries around the world, like USA, UK, India, Canada, China, France, Greece, Japan and even Hong Kong, Father's Day is celebrated on the third Sunday of June.
The declaration of 3rd Sunday of June as Father's Day was signed as a law, and made permanent, by President Richard Nixon, in the year 1972.
One of the most common gifts associated with Father's Day comprises of a necktie, followed by flowers.
Rose is the official flower for Father's Day. Wearing a red rose signifies a living father, while white one represents deceased father.
It has been claimed by Hallmark, the renowned greeting card maker, that Father's Day makes up the fifth-largest card-sending holiday in the world.
Greeting cards make up the number one gift item on the occasion of Father's Day.
It has been estimated that more than one-third of the cards sold on Father's Day are funny in nature.
It is believed that the word "Dad" dates back to as early as the sixteenth century.

To all the Dad’s out there, we wish you a very Happy Father’s Day filled with quality time with your children.

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