As we have experienced the first month of Spring we all have the desire to look and feel good. In this issue you will find tips not only for physical wellness but also mental wellness. We hope you enjoy the read!
Click on the image to read Aspiring Views Issue 06
- Featured Lifestyle - Depression & Stress in the Workplace
- Check your Mental Health
- EQ rather than IQ?
- Check if you are Left or Right Brain Dominated
- Discovery Vitality Screening Mini Wellness Day
- Introducing Vitality HealthyFood Switch
- 5 Foods to Boost your Brainpower
- Your Legacy - Peace of mind for your loved one’s
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By Grace Van Zyl
1. Forgiveness: The most important step is the way you feel about money. So no matter what money mistakes you have made in the past, they are irrelevant. Once you have got rid of the emotions surrounding your money mistakes you are in a position to move forward and get your financial house in order.
2. Reality Check: You have to know where your starting point is before you can move forward. Record all your assets, liabilities, income and expenses. Take the time to draw up a budget, your credit card and bank statement should record most of your expenditure.
3. Manage your credit card spend: Unlike interest rates, inflation etc. credit card debt is completely in your control. If you have more than one credit card try and move the debt from the high interest bearing account to a lower interest bearing credit card. Try and pay off the balance outstanding faster. Always pay the minimum amount due on time, and where possible pay extra. Do not use the credit card again for new purchases. Continue doing this until all credit cards are paid off.
4. Save: No money left at the end of the month? You need to evaluate your spending habits, you need to take a hard look where you are spending money and try and decrease spending. There are innovative ways to do this i.e. increase your home’s energy efficiency, drive your car longer and avoid leasing. Reassess the premiums you pay on car and household insurance as well as on life cover.
5. Know your credit score: Ideally you would like a credit score of above 720. If your score is below this you can improve this by always paying your debt on time, never missing a payment and reduce credit card debt as fast as possible. To get your free credit score go to https://mytransunion.co.za
6. Evaluate your Retirement Funds: If you are ten years or more away from retirement you should be holding the maximum allowed in equities, as it is equities that produce returns above inflation over time. As you get older it is important to balance the risk by having a fair amount invested in lower risk asset classes.
7. Diversification: A well-diversified portfolio can give you returns of 6-8% above inflation, whilst at the same time managing your investment risk.
8. Don’t rely on lifestyle assets: Buy homes and cars you can really afford and see it as a lifestyle assets and not the road to wealth. These assets will not fund your holidays, special goals or retirement.
9. Protect and Preserve: If you have dependents – parents, children – spouse it is vital that you have life insurance. This is also the time to relook at your Will – Are the terms valid, are the beneficiaries correct? Remember a Will is your legacy of love.
10. Rainy Day account: Everyone should have an emergency slush fund of at least three months living expenses (ideally 8 months).
For more information or assistance in giving your financial life a spring clean call us on 011 979 7017 or email email@example.com
Spring is the time for new beginnings it is seen as a period of growth, renewal of new life and an opportunity to start all things on a clean slate. This period of cleansing doesn’t have to be expensive, or fancy or be challenging, it should be a simple decision to let go of bad habits that no longer serve us or giving up objects that are no longer of use to us.
1. From a health perspective the first step is to eliminate or reduce the consumption of foods and beverages that contribute to an unhealthy lifestyle, common culprits are sugar, alcohol, refined carbohydrates and tobacco. If all you do is to avoid these foods for a period of 3 weeks, at the end of this we’ll feel lighter, brighter and full of vitality.
2. Our finances can also use a spring clean every bit as much as our body, start by reviewing your portfolio, look at your goals and your lifestyle and chat to your financial advisor if these have changed or if you have other aspirations that you have not spoken about.
3. Okay so the year is already three quarters over, but check your spending! Know what it costs you to live and what you spend and what you over spend on. Try something new, how about saving first, then spending!
4.While you’re dusting all areas of your life, it’s a great time to have a traditional spring clean of household clutter.
Not only will this give you space for more useful things, but decluttering will also boost your mental health.
5. Time is our most valuable asset. How do you spend your time?
Many of us go through lie wasting precious hours on things that don’t matter and then complain that we don’t have enough
time to fit in things that really do. Instead write down everything that you do and how much time you spend on it, once
you have this written out its easier to identify how to maximize your hours and what to cut back on to make room for valuable activities.
Give yourself three weeks to transform your way of living and truly spring clean your life. Generally 3 weeks is a great
place to start and if you are feeling great, continue to make this way of living a lifestyle.
Written By Yariva Ramdhani
Financial Planning Coach at Old Mutual Wealth
“THE BEST TIME TO PLANT A TREE WAS TWENTY YEARS AGO; THE SECOND BEST TIME IS NOW” ~ CONFUCIUS
In South Africa, Arbor Day was first celebrated in 1983. The event captured the imagination of people who recognized the need for raising awareness of the value of trees in our society. As sources of building material, food, medicine, and simple scenic beauty, trees play a vital role in the health and well-being of our communities. Collective enthusiasm for the importance of this issue in South Africa inspired the national government, in 1999, to extend the celebration of Arbor Day to National Arbor Week. From 1 to 7 September every year, schools, businesses and organizations are encouraged to participate in community "greening" events to improve the health and beauty of the local environment and propose a green future for South Africa. Visit your nearest nursery as many will be having something special lined up for Arbor Day and many specials on trees.
This couscous salad is adorned with a colourful medley of herbs, cucumber and tomatoes
Serves: 8 people
Prep Time: Less than 1 hour
1 garlic clove, crushed
60 ml freshly squeezed lemon juice
60 ml olive oil
5 ml cumin
5 ml cinnamon
5 ml paprika
375 ml couscous
375 ml boiling water
80 ml flat-leaf parsley, chopped
80 ml mint, chopped
80 ml spring onions, chopped
80 ml chopped coriander, chopped
3 diced tomatoes, seeded and diced
1 cucumber, seeded and diced
50 grams toasted almonds, chopped
100 grams pomegranate rubies
1 dash salt, to taste
1 dash milled pepper, to taste
Mix garlic, lemon juice, spices and olive oil in a bowl. Set aside.
Pour water over couscous, cover, and allow to stand for 20 minutes before fluffing with a fork.
Toss with dressing and other remaining ingredients, and season to taste.
Avocado and Egg Salad
A great side dish to accompany your Braai and a hit amongst Banters
Prep Time: 30 minutes
1 Ripe Avocado
1 Hard-Boiled egg
2 Tablespoons Mayonnaise
1 Teaspoon Garlic Powder
Salt and Pepper to taste
1/8 Teaspoon Lemon Juice
Boil water for pasta; have it ready.
Heat olive oil and melt butter in large skillet over medium heat.
Add onions and garlic and cook for two or three minutes, or until onions are translucent.
Add shrimp, then stir and cook for a couple of minutes. Squeeze in lemon juice.
Add wine, butter, salt and pepper, and hot sauce. Stir and reduce heat to low.
Throw angel hair pasta into the boiling water. Cook until just done/al dente.
Drain, reserving a cup or two of the pasta water.
Remove skillet from heat. Add pasta and toss, adding a splash of pasta water if it needs to be thinned.
Taste for seasonings, adding salt and pepper if needed.
Top with grated Parmesan and minced parsley and serve immediately.
Serve on a bed of lettuce for salad, on a freshly toasted ciabatta, or in a pita.
Sprinkle a little paprika on top for colour and add crispy bacon bits for extra kick.
By: Nadine Guisti-Oberholzer
To celebrate Aspire Wealth’s 4th Birthday a senior image consultant from Chata Romano presented a three hour workshop to the staff at Aspire Wealth. The workshop dealt with color, corporate wear, hair styles and much more. Some ‘secrets of the trade’ were shared with the ladies and they were all given their own personal color chart, a vital tool for those shopping sprees.
Below see some before and after photos and what the ladies gained from this experience. Be sure to pop in for a cup of coffee to witness the transformation, not only in the staff but also in our office environment.
Sandy’s Before Picture: Sandy’s After Picture: Comment:
"I am happy because this
changed the way I looked
and I feel like a new Sandy."
Nadine’s Before Picture: Nadine’s After Picture: Comment:
“I learned that I can in deed
wear many more outfits that I
have never dared to wear before
and still look great and feel confident!”