Disability Insurance Policy

Many people don’t comprehend how costly becoming permanently disabled can be. Not only could you be rendered unable to work in your current job, but you could also be saddled with extra medical bills. On top of this, you still have to be able to afford your regular bills and expenses. If you don’t have reliable Disability Cover to back you up in these unfortunate circumstances, you run the risk of plunging yourself and your loved ones into financial hardship. Researching and implementing an effective Disability Cover scheme is wise, especially if you’re the primary breadwinner in your family. Equally important is researching life insurance.

Some reputable insurance providers will pay out a cash lump sum of up to R5 000 000 if you’re disabled and unable to work in your current job or any job for which you are trained, qualified or educated. You can use this money to pay debts, adjust your lifestyle or use it to supplement your future income.

Why Disability Cover is a good idea

To best explain the advantages of having disability cover, you should look at the consequences of becoming disabled and being unable to earn a living (without having an effective cover scheme in place) could entail:

• Lack of employer coverage – Some businesses don’t offer their employees any kind of disability cover. While some may continue to pay your salary in the hopes that you will recover and return to work, a permanent disability could leave you completely unable to work in your current position. How long would your employer continue to pay you if you’re unable to work? If your employer decides to hire a replacement while you’re out of commission, you should be prepared for the possibility that they won’t be able to keep your position indefinitely.

• Wasted savings – Hypothetically, if you’ve saved 10% of your income each year, one year of disability could eradicate 10 years’ worth of savings. If you can’t afford to lose that much, then a disability policy is a good option.

• Burden on spouse or partner – It’s a large burden for your significant other to be expected to support you financially, be a parent, and help you to adjust at the same time. This can put unnecessary strain on the relationships that are the most valuable to you. This financial burden can be compared to that of a household losing a breadwinner and missing out on the financial aid of life cover.

• Selling investments – Although selling off assets or liquidating investments is an option, it may not be the best time to do so. As a result, you may not realise their true value. Relying on the hopes that your investments will be enough to cover you if you’re disabled is a risk best avoided with Disability Cover.

Looking at the consequences of becoming permanently disabled, you can see that Disability Cover is in both your and your family’s best interests.

Source: http://www.saindustries.co.za/the-benefits-of-a-direct-disability-insurance-policy/

A side order of traditional room-service

Anyone who has ever worked in the hotel management industry is aware of the basics of service. However while the fundamentals are understood and similar in all spheres of the service industry, there are some new additions to traditional room-service that are being adopted by some of the best hotels in the world with more emphasis placed on the menu. Studying event management courses and hospitality management courses in South Africa will give you a great head start, with in-depth market knowledge allowing you to see and deliver the kind of food and service that people want.



Chefs are becoming increasingly popular with many of them presenting TV shows and publishing recipe books – a market that was previously inundated with very traditional cooks like Julia Childs. Now a day chefs are in constant competition with one another to improve traditional meals and present them in ways that are more outlandish than the next.

It’s due to this constant pushing of the proverbial ingredient filled envelope that many hotels and lodges are turning their attention to the food on their room-service menus. Many hotels are now offering food straight off the menu of their in-house restaurants, forming a synergy between the two menus. This move is giving many chefs the opportunity to put a gourmet spin on traditional room-service classics and giving guests the chance to enjoy more of the hotel from the comfort of their rooms.

This also means that many firm favourites and comfort foods that many travellers enjoy due to their propensity for reminding them of home and family, are revamped and reworked to be the same traditional meal but with a gourmet flavour, look and feel. Especially desserts which have seen a comeback in recent years as chefs turn their attention to them, mixing flavours that wouldn’t normally be considered in traditional cooking of the past.

However while comfort foods are popular in the world of room-service, people are becoming more concerned with where their food comes from, how it’s made and what effect its production has on the environment. This ties in with many hotel’s commitment to turning to greener methods to clean, grow food and reduce their overall carbon footprint. The Mount Nelson Hotel in Cape Town is one example of this as they were one of the first hotels in Africa to set up a worm farm in Africa.

As many more hotels offer in-house restaurants with a famous chef attached to them such as chef Nobu and Reuben Riffel for example at The One and Only, the room-service menu’s are getting a piece of chef’s artistic flair as they become a prominent component of a hotel’s offerings.

Original Source: Smaak Hospitality

Accommodation in Green Point

If you are coming to Cape Town for a holiday, green point accommodation is definitely by far one of the best places to stay as it is within walking distance to the V&A Waterfront.  Green Point is one of the best places to be in if you are in Cape Town as it has all the best attractions nearby.

With FZP they also offer you discounted package tours as well as they always have special offers available. The best part about it is that if you are coming down for one or two weeks you can choose the green point holiday rentals, which is much cheaper than booking into a hotel. Green Point is surrounded by restaurants, lively pubs and coffee bars.

My family and I came down from Johannesburg for a holiday and I came across FZP’s website and was very impressed with all they had to offer. We chose the green point holiday rentals as we were staying for two weeks. My family had never been to Cape Town before so by having all the best attractions nearby it really helped a lot as we could even walk to the V&A Waterfront.

For those of you that are coming down to Cape Town I highly recommend you going through FZP as they have a lot to offer and have holiday apartments in Green Point and their prices and services are outstanding.

Exercise for moms

No one knows this better than Mary who went from bombshell volley ball player to soccer mom with two kids, a mortgage and Life Insurance.

The faster you walk, the faster your beat and being a low-impact exercise you can walk for long periods and get great benefits from it.

By walking up a hill or doing a few minutes of speed walking between slow stepping you can enjoy a great work out with maximum benefits and effect.

It couldn't be easier than to just jiggle your hips to your favourite song - as easy as acquiring Life Cover.

Source: 2013: Year of exercise for moms

Retirement Communities

Our children ultimately move out of the house and start their own lives leaving us in a home which is too large for one couple and we then realise that it's time we move out ourselves.

It's around this time that we start having a look at various retirement communities and consider making the move to one of the finest retirement villages in the country.

Why wouldn't you? Now-a-days retirement villages offer some of the most luxurious and beautiful accommodation in the country.

A smaller home means you will be able to clean it faster - giving you more time to enjoy the many activities retirement communities have to offer.

Source: The Benefits of a Small Space

Exploring Johannesburg

Johannesburg found its name as the City of Gold due to the abundance of gold that can be found in the earth in and surrounding the city.

Johannesburg car hire offers tourists the opportunity to freely explore what Johannesburg has to offer while giving you the opportunity to plan and organise your holiday to suit your agenda.

Whether you choose to utilise Johannesburg car hire, make use of your hotels' transport or ask a local friend to drive you around, you'll have the time of your life and will get to know more about South African culture, history and gees.

Source: Exploring the City of Gold

Helicopter Tour Cape Town

I was once lucky enough to take a helicopter flight as part of a tour of Cape Town and it was an experience that changed my view of a city that has been my home for the majority of my life.

They had asked me recommend several tours of Cape Town which as I had not been back for very long did with little enthusiasm and even less knowledge, a helicopter flight did not even cross my mind, as far as tours of Cape Town were concerned I was not even aware that this was possible.

What a helicopter tour of Cape Town provides is a renewed sense of appreciation for my home town.

The helicopter flight with NAC Makana took us on a tour of Cape Town the likes of which you can only imagine.  

Source: Our beautiful Cape Town