How To Look Better In 5 Seconds

You see your crush walking towards you - you have 5 seconds to look your best. What do you do?

WHAT DO YOU DO?! Aside from running your fingers through your hair and wiping that salad dressing off your chin, the answer is: optimise your posture!

And you’d be surprised at what a massive difference it can make. Let me explain.
Beauty is in the eye of the beholder. But as a general concept, society dictates certain archetypes that stand as our current beauty standards. These do differ from culture to culture and have changed over time, but I imagine aesthetic ideals have been present since the origin of sexual reproduction. That's a long time ago.

[What these ideals are and/or whether they should exist at all is so far beyond the scope of this article. So very far.]
General examples are things like a 'nice smile', height and other body proportions (like breast/waist/thigh ratio). Some of these can be optimised with a controlled diet, exercise, or even surgery. But again - you only have 5 seconds. What do you do?
pop quiz
  1. Stand up straight! Imagine there’s a string tied to the crown of your head - now imagine it’s getting pulled up. BAM! You are now taller and appear leaner.
  2. Lift up your chest! Imagine you’re trying to touch your breast-bone (sternum) to the ceiling. WHAMMY! Your chest appears bigger and men’s shoulders will appear wider.
  3. Suck it in! Imagine you’re trying to touch your belly-button (navel) to your spine. BLAMMO! Your waist appears smaller.
So now - as you stand taller, leaner, with a larger chest and a smaller waist - time to razzle dazzle with that wonderful personality you have! But first - seriously, that salad dressing is still there...

And the nice thing is that all these tips also work for protecting your neck, back, and hips from postural injuries. Overuse of certain positions overload certain spots in the body e.g. sitting puts a lot of pressure on your glutes (*stage whisper* That’s your butt muscles). Over time, your nervous system makes those areas more sensitive (via increased receptor density, etc) which can build up for a long time. The result? An area just LOOKING for some sort of trigger to ignite a painful episode. Cue glute pain, back pain, hip pain, etc. So how can we prevent that from happening?

Stop the build-up! Vary your posture as often as you can - especially away from the typical slouched, round-shouldered, general Cro-Magnon look. You don’t have to look like you’re in the military at all times. Just often enough that your body gets a little variety. So, as often as you can:

Stand up straight! Lift up your chest! Suck in your stomach!

BOOM! Made you look good AND healthier.
By Dr Murray McDonald
Claremont Chiropractic Health Centre

Advice on financing an auction property

More and more consumers are finding it difficult to make ends meet in the current economy and property auctions are becoming more common again as a result.

However, while this might seem like a good thing for property investors hunting for ‘bargain’ buy-to-let opportunities, they should make sure that they have their finances in order before putting in the winning bid, says Shaun Rademeyer, CEO of BetterLife Home Loans, SA’s biggest bond originator.

“In most cases,” he says, “you will need to be able to pay or provide guarantees for a 10% deposit on the fall of the hammer. You will then need to come up with the balance within a certain time period – usually 30 days – and if you are not paying cash, you will need a home loan.

“And in that case, it would really be advisable for you to arrange this well in advance, with the help of a reputable bond originator such as BetterLife Home Loans, who can guide you through the process and help you obtain pre-approval for a certain amount. An added advantage of doing things this way is that you will know what your spending ‘limit’ is and be less likely to get carried away in the excitement of the auction.”

Rademeyer says the alternative for those who go to auction without arranging a home loan is to make use of personal or bridging loans – but should remember that these usually come at a considerably higher rate of interest that home loans.

“And either way, there are certain documents that you will need to have prepared – including your identity document, proof of residence, proofs of income, bank statements, a list of your assets and liabilities, and a list of your monthly regular and discretionary expenditure.

“Bearing in mind that in most cases the property you purchase at auction will not be your primary home, lenders may well look for a bigger deposit and only be prepared to approve a home loan at a relatively high rate of interest.”

Meanwhile, he says, you should try to view the property before you bid for it, and also work out the maximum bid you are prepared to make – no matter what.

“Remember, if you overbid, you will be the one that has to deal with the gap between your lenders valuation of the property and the price you have agreed to pay – and will probably have to cover the shortfall yourself.”

Contact us today and let’s get you into that dream home.

BetterLife
Anne-Marie Bamber
Home Loans consultant
Tel: +27 (0)21 851 3568 | Fax: +27 (0)21 441 1494 | Cell: +27 (0)82 071 1665
E-mail: anne-marie.bamber@betterlife.co.za

AirBnB: A love-hate thing


‘AirBnB’, the internet platform that enables property owners to list rooms, apartments and houses for rental, has very fast become a familiar term although triggering mixed emotions. Understandably, where ownership in a residential estate involves living in close proximity to neighbours, the guests making use of the AirBnB facility are likely to impact to a lesser or greater degree on the usual activities in the estate and this can cause friction.  Our offices receive quite a number of queries regarding short term leasing of premises, particularly in sectional title and homeowners’ association schemes (HOA) via the AirBnB online platform.  The concerns range from irritation and queries regarding legality thereof, on the one hand, to questions regarding SARS’ interest in the activity on the other.

Is it allowed in my scheme?
The short answer is, yes, in principle, provided the scheme’s rules or governance documentation do not prohibit it.  One should differentiate between various types of community schemes in South Africa, the most common being sectional title schemes and homeowners’ association developments. 

Note the following pointers:
1.      Sectional Title Schemes are governed by both the Sectional Titles Act and the new Sectional Title Schemes Management Act and are required to have a set of rules in place when they are established. The rules are, by law, automatically binding on all owners and occupiers in the scheme.
Neither of the two pieces of legislation contain any out and out prohibition of short-term letting. So where it is not prohibited, it is in principle allowed, subject however to the notes in 3 and 4 below.
Note further that in terms of the Sectional Title Schemes Management Act, the body of owners in sectional title schemes are allowed to make their own rules or alter and amend existing rules (which, since October 2016, must be approved by the office of the Community Schemes Ombud before it is valid and binding on owners in the scheme). It is therefore possible for a scheme to decide that it wants to limit or prohibit the practice, by putting it to vote at a meeting of owners.
The Act provides that to pass amend or change a conduct rule, a special resolution is required, meaning that 75% in value and number of those at a validly constituted meeting, must vote in favour.
2.      If the community scheme is an HOA, then the position is slightly different due to the different underlying legal structure of such schemes. (For purposes of this article it is not appropriate to delve into the details of the differences between sectional title schemes and HOAs.)  In an HOA, the management and administration of the scheme is the hands of an association or non-profit company which will appoint a board of directors or trustees to attend to the scheme’s daily management.
These schemes will always have conduct and management rules which can address issues such as short term letting.  Whether or not such a rule is already in existence, owners as members of the association will be able to make or amend the rules by passing a resolution at an owners meeting. The voting procedure and percentage votes required will be prescribed in the development’s governance documents.

With or without a rule, remember:
3.      In both an HOA and sectional title scheme, should it happen that it is a tenant who is involved in the short term letting, it is necessary in addition to consider the provisions of the tenant’s lease agreement. Often such an agreement includes a provision prohibiting subletting. So even if it is not prohibited in terms of the rules or governance documentation of a sectional title scheme or HOA, if a lease agreement prohibits subletting, a tenant may not rent out the premises as he pleases.
4.      A further overriding consideration is the principles of neighbour law, which branch of law underscores the following balancing act: a property owner is entitled to enjoy, use, convert, alter, destroy or sell his property in any way that he pleases within the limits of state and local authority regulations, provided he does not interfere with the legal rights of a neighbours to the same enjoyment of their property.
A dispute between neighbours invariably involves, amongst other things, the question whether there has been an abuse of a right and the facts should be examined to determine whether the neighbour whose conduct is being complained of, acted reasonably or not. In the context of continuous short term letting  - which may go hand in hand with increased activity and use of shared facilities and amenities as well as noise -  the question that must be asked is whether the complaint is objectively reasonable. In other words, is it fair to require the complainant to tolerate the intrusion?  The answer will depend on scheme to scheme: what is reasonable in a block of flats where students reside may not be reasonable in a quiet golf estate.


Remember SARS
Many people in South Africa are making an extra income via the AirBnB and other online platforms.
It is, however, important to remember that SARS regards income earned in this way as taxable income and it must therefore be included as trading income in the host’s annual tax return (after making provision for allowable deductions). 
It is becoming harder to avoid declaring this income, as many appear to wish to do, as the AirBnB umbrella organisation is also legally obliged to provide details to local tax authorities of the earnings of all AirBnB hosts. So if you are an AirBnB host, ensure that you keep sufficient records to prove that you have declared all income received, and to substantiate all claims in respect of expenditure.


***
For assistance in management or administration of your residential scheme, contact Martin Sheard for assistance at MartinS@stbb.co.za or on www.stbb.co.za.

DIY Ant Deterrent Spray


Do you have invading ants?
Are they showing up in a thin little line from the back door into your kitchen? 

Instead of using chemicals in your homes, start making your own Ant Deterrent Spray that works like a charm and smells good too! No nasty chemicals or ants!

YOU WILL NEED:

  •  A spray bottle
  • Distilled water
  • Witch Hazel 
  • Peppermint essential oil

METHOD:

  • Fill your spray bottle two-thirds with distilled water
  • Add some Witch Hazel
  • Next, add some Peppermint essential oil
  • Shake well to combine your mixture

USAGE:
Spray around your home wherever ants are coming in.

They won't come near it...for some reason, most insects (and spiders) detest the smell of peppermint. The witch hazel will kill them if they do try to pass through, making this mixture perfect for keeping the creepy crawlies at bay!



Thanks goes out to Jessica at Moms4Real for this great tip, http://www.hometalk.com/mom4real


Norgarb Properties Agents Andre and Lucia (Intern Agent), who specialise in the Claremont area, will be sharing some household tips and handy home hints with you every month.

Andre Ter Moshuizen: 082 602 1367   |   andre@norgarb.co.za  |  www.norgarbproperties.co.za
Lucia Salters (Intern Agent): 082 806 4619  |   lucia@norgarb.co.za




"COPROPHAGIA - THE ACT OF EATING FEACES"


This is probably one of the most revolting behaviours a dog owner will have to deal with and we are often asked why some dogs, particularly young dogs do this. So here are some explanations.

CURIOSITY KILLED THE………..

It could just be inquisitive behaviour!
All dogs discover the world around them with their noses and territory mark along the way. Smells are important, as they give your dog a lot of information. Faeces is strong smelling (something that is not at all off-putting to your dog) and may even give off the odour of previously digested food. This may be enough for your dog to investigate further!

• Small puppies may be influenced by their mother, who constantly licks and cleans her pups. But this behaviour is soon forgotten.

Scavenging
Most dogs, if given the opportunity, will steal food, dig up and eat the cats poop, roll and ingest the Hadada droppings and basically roll  in, chew and eat things that we would find disgusting! This is normal dog behaviour.

Punishment
If a dog is punished repeatedly for soiling in the house or in an area that isconsidered inappropriate, it may resort to faeces eating to avoid getting into trouble.

Medical conditions
There are some medical conditions that can lead to coprophagia, so if  poop  eating is a relatively new behaviour for your dog , it is a good idea to get him/her checked out by your veterinarian who can,  if necessary , run tests to  rule out any underlying cause.

• Malabsorption, malnutrition and certain gastro intestinal problems are just some conditions that could contribute towards this behaviour.

What can you do?
“Coprophagia can best be corrected by preventing access to stools, by thorough cleaning of the pet's property, and by constant supervision when the pet is outdoors.”

Start with the basics.
• Make sure that your dog is eating a well balance diet
• Get him checked by the vet and keep your vet informed as to how he is getting on
• Wait with your dog while he poops and clean up straight away
• Discourage your dog from investigating other dogs poop by distracting him with a treat or a pull on the lead.
• Never punish your dog for this behaviour, he will not understand. Rather use commands such as ‘leave it’ or call him to you and give a treat.

Some dogs never learn and will always have their noses (and mouths)  in the wrong place! If you don’t want to keep your dog on the lead during those forest walks and are at your wits end, consider the use of  a box or cage muzzle. A box muzzle enables a dog to drink and pant but not to pick up and chew any undesirable items!

Speak to your vet for more information.


“You wouldn't think training your dog would include teachings to stop eating poop, but this relationship is full of all sorts of adventure.”

Kenilworth Veterinary Hospital

Making a Love Themed Dish

Do you want to skip the crowded restaurants this year and make your own cosy Valentine's Day dinner at home? Here is a delicious Valentine’s menu to show your loved one just how special he/she is to you!

Smoked Salmon with Horseradish Dill Dip & Beetroot


Serves 2 

Ingredients:

· 8 tbsp. low fat plain cottage cheese
· ½ tbsp. horseradish (can use the hot one)
· Pinch dried dill
· Salt and pepper to taste
· 2 tsp. white wine vinegar or lemon juice
· 2 tbsp. olive oil
·  2 tsp. honey
·  60g cooked beetroot (not in vinegar), finely diced
·  2 large slices smoked salmon
·  6 red-leafed lettuce
·  15g baby rocket leaves
·  Few snipped dill sprigs 

Method:

1.  Mix the cottage cheese, horseradish, dill, salt and pepper in a bowl.  Chill.
2.  In a bowl, mix together the vinegar or lemon juice, olive oil and honey. Toss half the dressing through the beetroot and chill until ready to serve.
3.  Before serving, divide the slices of salmon between 2 plates, then top with a spoonful of the dip and bring up the sides of the salmon to make a ‘flower’.
4.  Arrange the salad and beetroot round the salmon, scatter with the dill. Grind over some black pepper and drizzle with the remaining dressing.

Spiced Lamb with Lemon & Herb Quinoa

Serves 2 

Ingredients:

·   ½ tbsp. cumin seed
·  ½ garlic clove
·  ¼ tsp. red chilli or pinch of chilli flakes
·  Juice ½ lemon
·  2 tbsp. olive oil
·  4 lamb chops
·    ½ cup dry quinoa
·  3 spring onion, sliced
·   small handful coriander
·  steamed stem broccoli to serve

Method:

1.       In a pestle with a mortar crush the cumin seeds then add the garlic clove, chilli and some salt and pepper. Mash to a paste. Stir in the lemon juice and olive oil and pour half the mix over the lamb chops and leave to marinate. Set the other half aside.
2.       Rinse the quinoa in cold water then place in a saucepan with twice the volume of water. Place on the heat and bring to the boil then turn down the heat slightly and boil gently for 10 minutes. Turn the heat off and stir through the reserved dressing. Cover and leave for another 10 minutes.
3.       Meanwhile heat a pan to high and cook the lamb for about 3-5 minutes on each side or until cooked to your liking.
4.       When ready to serve stir the spring onions and coriander through the quinoa and serve with the lamb and steamed stem broccoli.

Chocolate Pear Pudding

Serves 2 

Ingredients:

·  50g butter
· 75g caster sugar
·  1 large egg
·  20g plain flour
·  12.5g cocoa powder
·   ¼ can pear halves in juice, drained
·  25g plain dark chocolate (70% cocoa solids)
·  10g flaked almonds (optional) 

Method:

1.  Heat the oven to 190°C. Lightly grease a roughly 10 x 15cm shallow ovenproof dish.
2.  Put the butter in a large saucepan and place over a low heat until just melted. Remove the butter from the heat and stir in the sugar until well combined.
3.  Whisk the eggs together in a large bowl. Gradually add the eggs to the butter and sugar, beating well with a wooden spoon in between each addition.
4.   Sift the flour and cocoa powder on top of the egg mixture, then beat hard with a wooden spoon until thoroughly combined.
5.  Pour into the prepared dish and nestle the pears into the chocolate batter.
6.  Cut the chocolate into chunky pieces roughly 1.5cm with a large knife. Scatter the chocolate pieces over the batter and sprinkle with almonds.
7.  Bake in the centre of the oven for 30 minutes or until the mixture is crusty on the surface and lightly cooked inside. Do not allow to overcook, as the cake will become spongy rather than gooey in the centre.
8.   Serve warm with cream or ice cream if desired

Phone: 021 674 4666
Cell: 084 206 2715



False Alarms - The HVCID



There has unfortunately again been a steady increase of false alarms in the Village. This is when an alarm system is triggered and activated by causes OTHER than a burglary, or an attempted burglary, or a panic button, or duress code activated with genuine intent.

Should this occur, residents are urged to:

CANCEL the false alarm activation immediately by entering your user code,

CONTACT the ADT Control Room (086 12 12 300) immediately to avoid them deploying an Armed Response vehicle to your property unnecessarily, as it takes an Armed Response Officer a minimum of 15 minutes to attend to each call out.

Why it is important to prevent false alarms?
  • Repeated false alarm triggering could lead to longer reaction times on positive incidents
  • Armed Response vehicles are obliged to attend to ALL false alarm signals, sometimes to the detriment of people with real life threatening situations.
  • Repeated false alarms can make you reluctant to use your system, leaving your home and family unprotected.
  • Excessive false alarm reactions can lead to a situation where you are charged per false alarm.
What causes a false alarm?
·         Open windows
·         Pets
·         Insects
·         Air conditioners
·         Shrubs & trees
·         User error and abuse – familiarise yourself and your staff with your system
·         Technical faults

THE HVCID TEAM
admin@hvcid.co.za            +27 (0)81 412 6109

The HVCID