1

ESTATE EMAG JULY 2016

2

A division of GLOVent Solutions www.glovent.co.za

E-mail: chandi@glovent.co.za

Disclaimer: This eMagazine is produced especially for residents of Dunkirk Estate to provide updates and useful information. It is produced by GLOVent Media, a division of GLOVent Solutions, on behalf of the Dunkirk Estate. Although every effort is taken to ensure accuracy of content, Dunkirk Estate HOA and/or the Publisher, cannot be held liable for any inaccurate information, and may not agree with all opinions expressed in this publication.

ADVERTISING ENQUIRIES

Contact our sales team

Tel: 0861017424

E-Mail: sales@glovent.co.za

CONTENTSInterview 03

10 Plant-Based Foods 06To Boost Your Immunity

Ray’s Kitchen Winter Favourite 11

Merit Award 12

Thank You 13

Rescued Duiker 15

The Buck Encounter 16

Buying A House VS. Renting And Investing In Shares 17

3

Scott, you are a well known businessman in the Estate, tell us a bit more about what you do. I’m fortunate to work in our family business, which has various in-terests in Northern Zululand, we have been been in business since 1918. My role is to look after our Spar stores. It’s a difficult business but Spar is a great brand and we have a great team at the moment.

You have just completed the Freedom Challenge, and did so un-assisted. What does the Freedom Challenge involve and explain how extreme the race is?Well it’s a non-stop 2300 km mountain bike race from Pietermaritzburg to Paarl. There are 25 check-in stations along the way, where various hosts feed and have a bed for you. The rest of your gear is in your backpack, so you can choose to sleep in or you can just keep going.

INTERVIEWSCOTT RUTHERFOORD

4

Does the Freedom Challenge have a set route?

Yes! You basically get a map and a narrative, and you navigate the

‘Freedom’ trail. It changes slightly each year, but the basic standard route

was set up in 2003 by David Waddilove. He ran it from from Cape town

to Pietermaritzburg in order to get fit and run the Comrades. It follows

a variety of dirt, jeep, old ox wagon & cattle tracks. A GPS would assist

but they banned them, so your navigation & map reading needs to be

reasonable. It’s an intrepid adventure,

What were some of the challenges?

I bought a secondhand hardtail Giant before the ride, and fortunately

I didn’t have a single mechanical issue or a flat tire the entire 17 days.

There is no denying that the hour before dawn in the Karoo can be

exceptionally cold, but I had great feather light warm kit. Riding at night

can be daunting in the wilderness, but being out in a massive expansive

space like the Karoo or in the Baviaans, alone, under a night sky filled

with sparkling stars, so exposed can be emotional. My biggest challenge

was my skinny paddler knees! The 2 of them took strain after some of the

tormenting hikes carrying the bike, the three of us had a couple of good

discussions on the side of the trail.

You have competed in many sports at World Champ level. Paddling

and SUPing to name a few. How did you come to be so involved in sport

and have you always excelled in it throughout your life?

I’m hopeless at ball sports, but the sea sports have come easier,

probably because I get such enjoyment being out there. Like anything,

if you put your mind to achieving something, and you enjoy doing it

and you persist, it usually comes easier.

Your wife is also an avid sportswoman and you have three boys at home.

Do you all enjoy being active together… do you participate together?

I love surfing with Jules, she’s a great surfer & competitive so my wave

count tends to drop when we are out in the lineup together. Knox is

starting to surf now and Harrison is mad about fishing, and exploring.

Sebastian is trying to dominate all of these and more. We try and run with

the boys a bit. The truth is if you don’t exercise them the house is manic.

SCO

TT RU

THER

FOO

RD

CO

NT.

5

Your wife, Julia, is also extremely busy as she is a sought after architect

in Dunkirk. With your family being so active and busy, what do you enjoy

doing in your down time.

One of the great things about doing a challenge like the ‘Freedom’,

is that it tends to put a lot of things into perspective;health, family and

friends…enjoying the present. So from that perspective doing little

things together, like catching sea lice or black tail, walking through

the Dunkirk forest at night with headlights, pot drumming sessions to

“thunder struck”, this can be a lot of fun.

SCO

TT RU

THER

FOO

RD

CO

NT.

6

10 PLANT-BASED FOODS TO

BOOSTWith the colder weather upon us, we all need a bit of extra help to keep the flu away.

YOUR IMMUNITY

www.dummies.com

7

Garlic - The most pungent of the plant kingdom inhabitants, garlic contains

the immune-stimulating compound allicin, which promotes the activity of

white blood cells to destroy cold and flu viruses. It also stimulates other

immune cells, which fight viral, fungal, and bacterial infections. Garlic kills

with near 100 percent effectiveness the human rhinovirus, which causes

colds, common flu, and respiratory viruses. Because allicin is released

when you cut, chop, chew, or crush raw cloves, allow freshly chopped

garlic to stand for 10 minutes and then cook it, sprinkle it over foods, drop

it into soup, or swallow bits of garlic with some water like a pill. You can

also drop a clove of garlic into some honey and swallow it immediately

for a quick dose that tastes good!

Onions - Onions, like garlic, contain allicin. They also contain quercetin,

a nutrient that breaks up mucus in your head and chest while boosting

your immune system. Additionally, the pungency of onions increases

your blood circulation and makes you sweat, which is helpful during cold

weather to help prevent infections. Consuming raw onion within a few

hours of the first symptoms of a cold or flu produces a strong immune

effect. Chopping onions into your favorite soup or cooked recipe is a

great way to enjoy them. Also, it may sound a little weird, but putting half

an onion in your bedroom while you sleep can help absorb some of the

circulating bacteria and potentially lessen the symptoms of your cold.

Ginger - Spicy, pungent, and delicious, ginger reduces fevers, soothes sore

throats, and encourages coughing to remove mucus from the chest. Anti-

inflammatory chemicals like shagaol and gingerol give ginger that spicy

kick that stimulates blood circulation and opens your sinuses. Improved

circulation means more oxygen is getting to your tissues to help remove

toxins and viruses. Research has indicated that ginger can help prevent

and treat the flu. Ginger is also extremely helpful for stomach aches,

nausea, and headaches. If you’re feeling a little sickly, a homemade

ginger tea is one of the best things you can drink. Slice some fresh ginger

BOO

ST YOU

R IM

MU

NITY C

ON

T.

8

root, place it into a pot with water, and bring to a boil. Then drop in a bit of

lemon juice or cayenne, which makes the tea that much more effective

at nourishing and purifying your system.

Cayenne - The cayenne family of hot peppers (cayenne, habanero,

Scotch bonnet, and bird peppers, to name a few) contains capsicum

— a rich source of vitamin C and bioflavonoids, which aid your immune

system in fighting colds and flu’s. It does this by increasing the production of

white blood cells, which cleanse your cells and tissues of toxins. Cayenne

pepper is also full of beta carotene and antioxidants that support your

immune system and help build healthy mucus membrane tissue that

defends against viruses and bacteria. Spicy cayenne peppers raise your

body’s temperature to make you sweat, increasing the activity of your

immune system. The fresher the pepper, the more effective it is. However,

fresher also means spicier, so choose accordingly. When you’re sick, add

organic cayenne powder to some warm water with lemon juice for an

intense immune boost.

Squash - Squash is a good source of vitamin C and carotene. The six

carotenoids (out of the 600 found in nature) found most commonly in

human tissue — and supplied by squash and other gourds — decrease

the risk of various cancers, protect the eyes and skin from the effects of

ultraviolet light, and defend against heart disease. One of them, alpha-

carotene, helps slow down the aging process. Butternut squash is the

strongest source of these nutrients, but you can also try acorn, Hubbard,

delicata, calabaza, and spaghetti squash.

BOO

ST YOU

R IM

MU

NITY C

ON

T.

9

Kale - Like other leafy greens, kale offers up a good dose of vitamin E.

This immunity-boosting antioxidant is known for increasing the production

of B cells, those white blood cells that kill unwanted bacteria. Whether

you eat kale raw in a salad, steam it, or lightly sauté it, you’ll reap all of its

wonderful benefits.

Citrus Fruits -Adding a bit of citrus to your diet goes a long way toward

fending off your next cold or flu. Packed with vitamin C, oranges and

grapefruits help increase your body’s resistance to nasty invaders. The

best way to enjoy citrus fruits is to eat them whole. Otherwise, you can

make fresh juice yourself (stay away from the premade stuff in cartons or

in the freezer section at your supermarket).

Green Tea - Green tea is a potent source of antioxidants called polyphenols

— especially catechins. Some studies have found that catechins can

destroy the influenza and common cold viruses. Sipping a hot cup of

green tea when you’re feeling under the weather can really help you

come alive again. Try adding some honey or lemon to kick it up a bit.

BOO

ST YOU

R IM

MU

NITY C

ON

T.

10

Miso Soup - Miso soup is the plant-based version of chicken-noodle soup. It

has wonderful healing properties that are amazing at boosting immunity.

As a living food, miso is loaded with enzymes and healthy bacteria that help

fight infection and keep your cells thriving. All you need is one teaspoon

of miso paste stirred into a mug or bowl of warm water, and you’re set. Sip

this down, especially at the first sign of a cold or when you’re just feeling

“off” with a stomachache, headache, or something like that. This is sure

to hit the spot and make you feel good all over.

Mushrooms - For centuries, people around the world have turned to

mushrooms for a healthy immune system. Contemporary researchers

now know why. Studies show that mushrooms increase the production

and activity of white blood cells, making them more aggressive. This is a

good thing when you have an infection. Shiitake, maitake, chaga, and

reishi mushrooms appear to pack the biggest immunity punch. Experts

recommend eating a quarter ounce to an ounce a few times a day for

maximum immune benefits.

BOO

ST YOU

R IM

MU

NITY C

ON

T.

11

Ray’s Kitchen Winter Favourite

ROASTED RED PEPPER AND TOMATO

This delicious bowl of yumminess is finished off with a glug of cream, some basil oil, a few seeds, and health toast on the side. This is definitely one for a cold winter’s day!

12

Merit Award

A few months ago, a massive tree branch had fallen onto the Estate’s perimeter fence, causing some damage. Lucky noti-fied management about the incident. He took the initiative to contact Alarm Fencing (fence contractor). By the time man-agement got to site, the fence was already being repaired. His initiative and actions assisted in getting the fence repaired in a couple of hours. As you can imagine, having a damaged fence makes the Estate vulnerable, and Lucky’s quick actions made sure that this was kept to an absolute minimum. To add to this, Lucky used his own personal phone to make the calls, he was subsequently reimbursed.

13

THANK YOUGumede is one of our long-term guards at the Dunkirk gate. He recently had an electrical fire break out in his house damaging a large protion of his home and belongings. We sent out an email informing residents and we had incredible feedback from the Homeowners donating food vouchers, furniture, appliances, etc. Dunkirk also replaced his electrical meter. He is so appreciative and completely humbled with all the support and love he has received.

14

THA

NK YO

U C

ON

T.

He asked for this message to be passed on: “Thanks a million to the

residents of Dunkirk Estate, who made donations for me to fix the

damage to my house, I can’t believe that my kitchen & lounge is now

back to normal, electricity meter has now been installed, also wall

painting has been done. I have really appreciated the past 8 years in

Dunkirk. Once again, thanks to Dunkirk residents and management,

God bless. “ Dunkirk Management and Gumede wish to thank the

following residents who assisted Gumede in his time of need (anyone

else that might have assisted whose name is not on this list, we thank

you for your support. There might be some residents who helped him

out directly without notifying the office):

Dunkirk Real Estate (Pty) Ltd

Jenny & Alan Le Vieux

Robyn & George

Constantinou

Greg &Rosena Fish

Robin & Ann Streit

Susan Dallas

Rob & Elaine Philipson

[Kim Parsons

Natalie Smith

Brandon & Avril Diamond

Peter Bendall

Kurt Radzom

SebHerscovitz

Paula Owen

Jackie & Sergio Mendes

Kim & Richard Noyce

Ashley Noyce

Clarkson Family

Leigh Hammerton

De Robillard Family

Beverly Noble

Greg &Rosena Fish

Sarah Fitzgerald

Pottinger Family

Neville Shotland

Dunkirk Home Owners Association

15

RESCUED DUIKEROur Estate Manager and one of our residents rescued a baby Blue Duiker at the beginning of July. This beautiful animal was taken to CROW - Centre for Rehabilitation of Wildlife to be properly looked after and is doing well.

16

THE BUCK

ENCOUNTER The Management team was having a meeting with the Security Area

Manager inside the office and were startled by the the fence activation

alarm suddenly going off. Within seconds the guards were on the radios

and on their way to investigate. We also had alarm fencing technicians

on site doing repairs so, Muzi, the technician went down to investigate

with the guards. Upon reaching the activation point, Muzi and the guards

were in utter shock. Lying on top of the fence was a carcass of what we

can only presume to be a Duiker. Everyone was extremely confused as

to how the animal reached the top of the fence. Management went to

investigate the scene after being notified, and the guards had to push the

body just beyond the boundary fence in order to get the alarm to stop.

Upon getting closer to the scene, Muzi pointed out where the carcass was

and on the ground next to it was a giant bird of prey. It had already started

nibbling on the dead animal and was obviously disturbed and it took off.

The bird was so large, and its wingspan was so enormous, watching this

bird take off was like a scene out of the movie Jurassic Park. The bird then

tried to pick up the carcass but it dropped it mid-flight. What we assume

had happened is that the large bird (later identified as possibly being a

Crowned Eagle) had in fact been eating the animal and must have tried

to move it and dropped it on the electric fence. Needless to say we were

all shocked and couldn’t believe what we had witnessed! Never a dull

moment on our beautiful Estate.

17

Any analysis of the issue is complicated by the fact that there are numerous variables to take into account that can change over time, that buyers’ circumstances are different and that the future is unknown. Yet, there are some interesting insights to be gained by comparing an investment in a primary residence with renting and investing in shares.

www.moneyweb.co.za

BUYING A HOUSE VS. RENTING AND INVESTING IN SHARES

18

A model - A primary residence does not provide an investor with an

income yield and as a result the only return component that has to be

considered when doing a comparison is capital growth, a Johannesburg-

based analyst says. Since 1966 average annual house price growth

after inflation has been 0.9%. Adjusting the annual average returns of

the JSE All Share Index (Alsi) for inflation, the Alsi has provided investors

with a real (after-inflation) return of around 15% per annum over the

past 10 years, 9% over the past 20 years and 11% for the past 30 years,

he says.

The cash case - Consider buying a house or investing in shares with

this data in mind. If a house was purchased for R1.5 million today, the

property would be worth R1.87 million in 25 years’ time after adjusting

for inflation (i.e. in today’s money). Using a long-term average of the

historic JSE returns of 10% (after inflation), the initial share investment

would grow to be worth R16.25 million during the same time period,

he says. However, not many people have the initial capital to commit

R1.5 million upfront to finance their choice of shares or property. Most

consumers borrow from the bank.

The finance case - Assuming that the house would return 6.9% per

annum and that it was fully funded by debt for 25 years with interest

of 10% per annum, the buyer would have a monthly installment of R13

630,50. At the end of the period, the net asset value of the house would

be R1.82 million (adjusted for inflation), the analyst says. If the individual

had instead chosen to rent over the 25-year period, had paid rent of

R10 000 a month and invested the balance of R3 630,50 in shares at an

average annual return of 16%, the net asset value of the investment

would be R2.94 million. “You would thus be approximately 62% better off

in real terms by investing in shares with your residual income,” he says. A

monthly rental value of R10 000 equates to R120 000 per annum – an 8%

yield on the R1.5 million cost of the property. This would be a reasonable

income yield for a residential landlord of a property and affordable

for the person who prefers to rent instead of buy, the analyst says. It

should be noted however, that the assessment depends on various

assumptions and does not account for interest rate changes, inflation

in the rental charge or salary increases – but assumes maintaining the

real rate of savings at R3 630,50.

BUYIN

G A

HO

USE V

S SHA

RES C

ON

T.

19

BUYIN

G A

HO

USE V

S SHA

RES C

ON

T.

Costs - While an assumed average annual return of 16% on share

investments, might be considered too high, there are also other factors

to take into account. Many assessments fail to take transaction and

holding costs associated with property and share ownership into

account, the analyst says. “Typically, it costs a retail investor 0.5% to

purchase shares through a bank (index funds may be even cheaper)

while your costs to purchase a property often add up to as much

as 5% of the cost of the property (transfer duty, legal fees, etc.). “It

would generally cost an investor in an index fund 0.5% for annual

administration and management of the investment. One often spends

a lot more than this on security, house upgrades and changes – in the

case of my parents, this has been far more than 1% of their property

value annually,” he says. The costs involved in disposing of shares also

amount to around 0.5% and could be even more than 6% of the value

of a property on sale given the additional marketing costs required to

find buyers, he says. “Bear in mind that it often takes more than two

months to sell a property where shares can be sold on the day when

one may require capital. This timing or liquidity element is also a cost.

“These costs will likely have a significant detrimental impact on your

potential return and will likely push property returns into negative

territory on an inflation adjusted basis with a 25-year view,” he says.

Diversification - Owning shares in the JSE is equivalent to owning

small pieces of many different companies. This provides you with a

significant amount of diversification to reduce a number of different

risks, the analyst says. “The majority of the JSE earnings are derived

from sources outside of South Africa – you are hence afforded

geographical diversification and currency protection from the rand

continuing to slide (whatever your view on this might be). “Investing in a

single property (or an additional ‘investment property’) will never provide

the average investor with the same degree of diversification,” he says.

20

BUYIN

G A

HO

USE V

S SHA

RES C

ON

T.

To each his own - The model highlights that share investments can

outperform the gains in property values significantly in the long run,

but investors should also consider whether they would have the

discipline to invest in stocks consistently over an extended period of

time. While failure to pay a monthly bond installment will ultimately

result in repossession, suspending an exchange-traded fund debit

order for a month or six when times are tough won’t have the same

immediate impact on an investor’s lifestyle. At the same time, investors

should note that while the banking industry is quick to point out that

renting is “paying off someone else’s bond”, repaying a bond over 25

years would entail paying more than double the original selling price

while the bank will be the party to profit. Ultimately, investors need

to consider their own circumstances, goals and risk profiles before

making a decision.

21

R E A LE S T A T E

WE’VE GOT IT COVERED.

BUYING, SELLING OR RENTING?

Nobody knows Dunkirk Estate better than we do. That’s because we’ve been here since the first property was built nearly 10 years ago. So whether you’re looking to buy, sell or rent property at this unique coastal forest estate, contact the specialists. Contact Dunkirk Real Estate.

Dunkirk Real Estate (Pty) Ltd

Robin Streit: +27 72 279 7535 | robin@dunkirkestate.co.za

22

The Application is designed to, amongst others, improve management efficiency and ensure an effective and easy to use communication channel between residents and Estate administration.

FOR MORE INFORMATION CLICK HERE

WE HAVE EXCITING NEWS!The Gloportal Residential App is Ready to be Downloaded.