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What’s That, Darling?

Written by Clients in Action on . Posted in Client Story, Health. 3 Comments on What’s That, Darling?

“My wife says I should have my ears tested as I battle to hear her when she speaks. Of course, there’s nothing wrong with my hearing; it’s my wife who mumbles.”

The audiologist looked at me and raised her eyebrows.

“And I bet,” I continued, “that every married man of my age says exactly the same to you.”

“That he does,” she replied with a smile.

My ears were tested, my gosh, that was almost ten years ago, and, as usual in a case like this, my wife, Louis, was right.

I decided on the latest type of hearing aid, difficult to notice (obviously some sort of vanity was involved) and started wearing them, but not all the time. I didn’t think there was much difference (Louis did), but when I didn’t have them in during meetings, I had to ask the chair to repeat privately what had been discussed. I also noticed, when I was wearing them, that for the first time in years I could take part in a discussion around the table, especially in a restaurant with all its background noise.

I’d recently entered for an advanced music exam (I’m a wonderfully mediocre pianist) and hadn’t done quite as well as I’d hoped (I passed, though), one reason being that I had to keep on asking the examiner to repeat her instructions or even to replay certain notes so that I could determine what they were. With my new hearing aids, I could hear more acutely (and my performance also improved; well, I thought so even though I still haven’t been asked to perform at Carnegie Hall).

Oh yes, there was also a noticeable cognitive improvement.

Looking at this from the other side, I’ve observed that some men or should I say many men (they seem to be more vain than the women here – that might be for another article) refuse to admit that they’re, in the words of my grandmother, “hard of hearing” (it seems that the word “deaf” is unacceptable). I’ve spoken to quite a number of them, be they friends (or former friends), acquaintances and running mates when I’ve seen them straining to hear, sitting at a table with a fixed Mona Lisa smile and obviously not taking everything in (just as I had done), and even, when I was giving a talk at, for instance, the University of the Third Age, sitting in the front and staring at me (obviously attempting to lip-read); also if anyone dozed off, it would always be those who had difficulty hearing me spout forth wisdom or being gratuitously facile.

So, why have I decided to write this now? Well, it’s all part of outreach or community service. You see (if I recorded this, I’d say, “You hear …” or “don’t hear” as the case might be), at a recent Chartered function, I heard some of my contemporaries talking very loudly at different tables (not always to press a point but because it was a sign of their “hard-of-hearingness” that they weren’t aware of) and others sitting quietly and obviously not following what those around them were saying. When I breezed past them a few times (being sociable and, as is Louis and my wont, chatting to all and, especially, sundry), I looked at those I’d worked out had hearing problems. Yes, dear reader (as Jane Austen said), not one of them was wearing a hearing aid.

No doubt, it’s not only men who have this problem, but from what I’ve seen, they’re more susceptible to vanity here than the women, possibly because the latter can hide their hearing aids under lustrous locks.

So, men, go and get your ears tested, especially when others notice that you’re battling to hear at times. And if you’re too vain to admit your hearing loss (and I bet you’re reading this with your glasses on, so what’s the difference?), just grow your hair or wear a wig. And you’ll find that, if you’re married, your wife has stopped mumbling.

Written By,

Stephen Finn

Retirement Lifestyle Estate in Hillcrest Le Domaine

Written by Lyndsay Barr on . Posted in Client Story, Lifestyle Estates. 2 Comments on Retirement Lifestyle Estate in Hillcrest Le Domaine

For many people, the decision to move is not about property, but about timing and choice. A retirement lifestyle estate in Hillcrest offers the opportunity to plan that transition proactively. It allows you to move while you still have the freedom and independence to shape your next chapter. At Le Domaine in Hillcrest, KwaZulu-Natal, residents enjoy secure living, strong community connection and seamless continuity of care within one established estate.

About Le Domaine

Le Domaine is a highly sought-after lifestyle estate in Hillcrest, KwaZulu-Natal, offering approximately 700 residential units, along with an additional 64 en-suite rooms within its assisted living and frail care centre.

The estate is primarily aimed at the 50-plus age group, but is one of the few lifestyle estates that allows people of any age to purchase property, with family life actively encouraged. Homes range from bachelor apartments to spacious three-bedroom units, and demand remains high, with properties often selling within days of being listed.

Why Choose a Retirement Lifestyle Estate in Hillcrest?

Residents benefit from access-controlled security, extensive lifestyle facilities, on-site healthcare services, and prioritised emergency medical response.

Homes range from bachelor apartments to spacious three-bedroom units. This flexibility allows buyers to choose a space that suits their current needs while planning for the future.

Situated in the heart of Hillcrest, KwaZulu-Natal, the estate offers both tranquillity and convenience, with easy access to local shops, medical facilities and community services.

👉 Click here to read more about the estate.

Independent Living with Continuity of Care at Le Domaine

Meet Le Domaine resident Wendy Bezuidenhout

Wendy Bezuidenhout has lived at Le Domaine since 2007 and offers a deeply personal perspective on life within the estate. Her late husband, John, was the developer behind Le Domaine, and Wendy supported him in the vision that shaped it from the beginning. Today, she also works as the administrator of the estate’s care centre. As a result, she has a unique understanding of how residents’ needs evolve over time.

For Wendy, Le Domaine was never just about property or facilities. It was about creating an environment where people could transition through life’s later chapters with dignity, continuity, and choice. Living on the estate while it was being developed gave her first-hand insight into how important it is for residents to feel both secure and connected, without losing their sense of independence.

The Emotional Side of Moving Later in Life

One of the themes Wendy returns to often is identity. She has seen many residents struggle with the emotional shift that comes when careers end, children leave home, and long-held roles begin to change. Moving into a lifestyle estate can feel daunting, not because of the move itself, but because of what it represents. Importantly, it is not because of the move itself, but because of what it represents.

“Nobody likes change, and our homes are deeply tied to who we think we are. But my advice is always to make the decision for yourself, while you still have the freedom and health to enjoy this next chapter, rather than waiting for someone else to make it for you.”

Wendy believes timing is everything. Making the move earlier allows residents to really enjoy the lifestyle on offer, the social interaction, the activities, and the sense of belonging, rather than arriving only when care becomes essential.

Assisted Living and Frail Care in a Familiar Environment

A key reason Wendy chose to remain at Le Domaine after her husband passed away in 2020 was the continuity the estate provides. As residents’ needs change, they do not have to leave their familiar environment. Instead, they can transition from independent living to assisted living, frail care, or palliative care within the same community. They remain surrounded by friends, routines and familiar spaces.

This continuity is particularly important for residents whose families live elsewhere, often overseas. In addition, remaining in a known environment, with trusted support close at hand, brings reassurance not only to residents but to their families as well.

Community, Security and Lifestyle Facilities in Hillcrest

Wendy also values the balance Le Domaine strikes between privacy and community. Residents are free to live quietly and independently, or to participate in a wide range of social, educational, and wellness activities. From walking trails and fitness facilities to talks, music evenings, and group outings, the estate offers opportunities for connection without pressure.

Planning Your Next Chapter with Choice and Confidence

Reflecting on her years at Le Domaine, Wendy’s advice is clear and grounded in experience: plan proactively, make decisions while you still have choice, and prioritise quality of life. Ultimately, a lifestyle estate, she believes, should not feel like an ending, but rather a supportive foundation for the next chapter.

Picture showing the front entrance of the Le Domaine Lifestyle Retirement Estate Care Centre.
People taking a walk through the Le Domaine Estate grounds.
Front view of Le Domaine Lifestyle Retirement Estate building.
Back view of the Le Domaine Lifestyle Retirement Estate building.
Aerial view of Le Domaine Lifestyle Retirement Estate

Review of Blood’s Inner Rhyme by Antjie Krog

Written by Karen Wilson on . Posted in Chartered Library, Resources. No Comments on Review of Blood’s Inner Rhyme by Antjie Krog

South African poet Antjie Krog explores her complex relationship with her writer mother, Dot Serfontein, and anchors the book in the final few years her mother spent in a small flat with a caregiver.

Using correspondence between mother and daughter when Antjie was travelling overseas, and her visits to her mother in Kroonstad, she reflects on their connection. While they shared an abiding love for the Free State and a bond as the two creatives in their family, they had clear differences in ideology and outlook, and admiration was at times tempered with frustration. Afrikaner culture and heritage remained a sensitive area between them. Little anecdotes throughout the book illustrate Dot’s sharp intellect and feistiness, and the sense of humour of both women.

The author also reaches back to the Anglo-Boer War and draws material from Dot Serfontein’s old documents and unfinished writings. Then she blends in her own series of interviews conducted with people in inter-racial marriages in South Africa.

The timeline moves back and forth quite a lot and is punctuated with matter-of-fact extracts from the care staff’s daily log of how “the patient”, Antjie’s ailing mother, is faring. It is an unemotional but nonetheless sad background commentary on her age-related decline.

Antjie Krog’s “autobiographical novel” is her way of clarifying and finding closure on a relationship that was clearly precious to her, albeit one that was far from effortless.

A copy of Blood’s Inner Rhyme is available on short-term loan from the Chartered client library. The book is also published in Afrikaans under the title Binnerym van Bloed.

La Dolce Vita: Pam and Errol’s Italian Escapade

Written by Lyndsay Barr on . Posted in Client Story, Play. No Comments on La Dolce Vita: Pam and Errol’s Italian Escapade

From the moment Pam and Errol glimpsed Rome’s ancient skyline, their Italian journey unfolded with unforgettable moments, laughter, and discovery. Travelling with a close-knit group of American friends, they blended guided tours with spontaneous exploration, savouring history, cuisine, and the simple joy of the journey itself.

A Journey Through Italy

Their group’s journey began in Rome, where they spent two and a half days exploring iconic landmarks, including the Vatican and the Colosseum. They highly recommend pre-booking “Skip-the-Line” tickets, which allowed them to skip the long queues and make the most of their time. A private guide enriched their experience, sharing stories and historical details that brought the ancient sites to life.

From Rome, they took the train to Sorrento for five days of coastal beauty and relaxed sightseeing. One highlight was a private boat trip to Capri, complete with a swim in the Mediterranean. Although the famous Blue Grotto was closed due to the tide, the dramatic cliffs and sparkling coastline more than made up for it.

Tuscany was their next stop—a villa nestled on the outskirts of the medieval walled town of San Gimignano, surrounded by vineyards and olive groves. With a rental car, the group explored Florence and Bologna by day, and in the evenings, they gathered in the villa’s kitchen to cook simple meals from fresh local produce. These shared dinners became some of the trip’s most cherished moments.

The grand finale was Venice. Arriving by train and gliding through the canals by water taxi, Pam and Errol checked into a 500-year-old hotel near St. Mark’s Square—modernised inside, yet brimming with character. On departure, they discovered the ultimate travel hack: a water taxi straight to the airport, ending their adventure in comfort and style.

Pam and Errol’s Top Travel Tips for Italy:

  • Download Citymapper: This free app is a lifesaver for navigating Italy’s cities. It shows you whether to walk, take the metro, or hop on a bus—no guesswork required.
  • Book ahead: “Skip-the-Line” tickets for major attractions like the Vatican and Colosseum are worth every cent. Skip the queues and spend more time exploring.
  • Be firm with taxis: Italian taxis are legally required to accept credit cards. Don’t let anyone tell you otherwise.
  • Know your gondola rates: The official price is €90 before 6 p.m. and €110 after. If you’re quoted more, walk away.
  • Avoid driving in city centres: Many Italian cities have restricted traffic zones for authorised vehicles only. Entering by mistake can mean a fine of over €150.
  • Self-cater in Tuscany: Shopping for local ingredients and cooking together was one of the group’s highlights.
  • Make the most of Italy’s trains: Italy’s train system is fast and reliable and connects most major cities and scenic regions. Booking tickets in advance can save money, and travelling by train is often more relaxing than driving or flying between destinations.
  • Use an eSIM for easy connectivity: Consider purchasing an eSIM before your trip or upon arrival in Italy. It’s a convenient way to stay connected without swapping physical SIM cards, and you can activate data plans instantly on your phone. Be sure to verify that your phone is compatible with eSIMs before purchasing.

We’d love to hear your story! If you’ve been on a memorable trip and would like to share your adventure, please email Lyndsay@charteredwealth.co.za.

What ‘Enough’ really means in retirement

Written by Kim Potgieter on . Posted in Kim's Blogs, Money. No Comments on What ‘Enough’ really means in retirement

Living well with what we have, and staying focused on what matters most.

So many of us reach this stage of life and start asking new questions: Are we spending too much – or too little? Are we making the most of the years ahead? Is this the life we imagined, and will we have enough to sustain us?

One of the biggest fears people share in retirement is whether they will have enough. The truth is that almost everyone I meet has had to adjust some part of their original plan. The world has changed, the cost of living has changed, we’re living longer – and in many cases, our dreams have changed too.

Retiring in a changing world

Retirement simply isn’t what it used to be. It’s not a full stop, but a comma – a pause before we write the next line of our story.

At Chartered, our conversations have never been about when you will retire, but about what Retiremeant™ may really look like for you – what you’ll be retiring to. At the heart of this conversation is how we find meaning, live purposefully, and stay engaged with the world from a place of worthiness.

When the numbers don’t quite add up

Sometimes the numbers don’t align with the life we imagined. If you’re not where you’d like to be financially, ask: What can I do now to create the future I want – with what I have today? There’s always something we can adjust or rethink.

For some, that’s meant letting go of a larger home and discovering the relief of simpler living. For others, it’s meant continuing to work – not because we have to, but because staying connected and purposeful adds meaning to our days. And for many, it’s been about redefining what enough looks like now.

It’s not about how much we have – it’s how intentionally we live

What I’ve learnt over the years is that fulfilment comes from shaping your time, energy, and money around what matters most – and adjusting as life unfolds.

I recently spoke to Business Day TV about this very topic: how to bridge the gap between our retirement dreams and today’s reality, and why it’s never too late to reimagine the life you want.

Watch the interview here

Coming back to ‘Enough’

In the end, enough isn’t a number – it’s a feeling of alignment. It’s knowing that your money supports the life you value most. Living with purpose and gratitude helps us see that ‘enough’ has less to do with what we have, and everything to do with how we live.

The Finns Visit The Finns

Written by Clients in Action on . Posted in Client Story, Play. No Comments on The Finns Visit The Finns

By Stephen and Louis Finn

Standing naked on our terrace at our timeshare just south of Lapland, we didn’t feel awkward as we looked out at a lake and forest. The two of us, Louis and Stephen, were having a sauna in our chalet and then went outside, where it was -4 to enjoy the “Finnish experience” even though there was no snow to roll in.

“What happens if anyone walks past?” Louis asked. “Don’t worry,” I said, “the Finns do this all the time – and are used to it.”

“By “the Finns”,” Louis asked, “Do you mean us as the Finns or the Finns who actually live here?” “Both,” I responded, as a man walked by with his dog and greeted us. Both of them had jackets on.

I’d wanted to go to Finland for decades, not only because of my surname but because of its reputation as a liberal country with its tranquil forests, freezing lakes and incredible music tradition. One of our favourite composers is the fantastic Jean Sibelius. Actually, when I was in primary school and my Dad bought an LP with loads of tracks, I used to stand in front of the radiogram (as it was in those days) and conduct Sibelius’s “Finlandia”, a wonderful tone poem that underlines a desire for independence from oppression.

We’d been warned that the Finns of Finland were unfriendly, unhelpful and taciturn; they evidently don’t engage in small talk. We found just the opposite: incredibly friendly, helpful at all times and some of them more chatty than even I, Stephen, am.

So, you might well ask, what were the highlights (apart from cavorting naked near a lake). The music performances were spectacular: an opera, Animal Farm, written by a Russian in English, performed at the opera house across the road from our hotel; at the same venue the next night, magnificent ballet; the following night saw us in Lahti for a programme of Sibelius – brilliant; and the next one at the concert hall down the road of, among other works, Brahms’s Symphony No 3 – another of our favourites.

What was exciting was to see the age mix of people at all of these performances: as many youngsters were there as the more “mature”, with dozens coming along on their bicycles.

The concert hall in Helsinki is the most beautiful we have ever been to anywhere in the world, dominated by a magnificent steel sculpture that we worked out was actually the organ. It’s one of only two of its kind.

And then there was the phenomenally beautiful Sibelius monument, echoing in steel the flow of his music.

We also did a joyous parkrun along a lake, with loads of cherry trees festooned with blossoms.

As we’re vegan, we had wondered beforehand how well we’d be able to eat. Our hotel had a complete plant-based menu for breakfast and all the restaurants we went to for our suppers catered happily for vegans: Nepalese, Chinese, Italian – and Finnish, with the Helsinki train station having a fantastic restaurant.

We found something even better when we went by ferry across the Baltic Sea for a day in Tallinn, Estonia. It was very interesting, and we found a vegan restaurant just off the main square with incredible food.

Would we go to Finland again with its wonderful architecture (you should see the new library in Helsinki), where there’s no littering, everything runs to time and with its residents evidently being the happiest in the world? Of course, we’d love to but as there are so many other countries we haven’t been to yet, it’s unlikely. Is it one of our favourite of the fifty or so countries we’ve been to? It certainly is. And that’s the naked truth.

Looking Back on a Memorable 2024

Written by Clients in Action on . Posted in Events, Retiremeant. No Comments on Looking Back on a Memorable 2024

We thoroughly enjoyed seeing our clients at events around the country this year! From celebrating milestones like Chartered Wealth Eastern Cape’s 10th anniversary in Gqeberha to hosting talks by Jeremy Gardiner, Kevin Hogan, Michael Charton, and Devi Govender, it has certainly been a memorable year.

Our Bucket Wheel® Wednesdays encouraged meaningful conversations and connections with events like Vision Boarding, Women’s Day celebrations, a Mandela Day initiative, Sean Brokensha – The Music Guru Ryan Fuller’s engaging dementia talk, and our book club. We also hosted smaller, bespoke events and enjoyed camaraderie on the greens during our golf and bowls days.

As we approach the end of the year, we look forward to collaborating with our clients to pack meals for Rise Against Hunger, ensuring our festive spirit extends to those in need.

From fun to meaningful, every moment this year reinforced the value of learning, giving back, and building relationships. Thank you for being part of our journey – here’s to more incredible moments in 2025!

Each step counts toward living your best life

Written by Kim Potgieter on . Posted in Health, Kim's Blogs. No Comments on Each step counts toward living your best life

I have learned that true purpose is not found in one grand pursuit but in the quiet moments of joy, the things we love, and the dreams we allow ourselves to follow every day.

This year, at the age of 56, I ran the Berlin Marathon—achieving my ‘wildly improbable dream!’ Just six weeks later, I became a grandmother for the first time. What I’ve learned is that age doesn’t define you. It just gives you better stories to tell. Yes, running the marathon stretched me in ways I hadn’t anticipated, but when we step beyond what feels comfortable, we grow in ways we never imagined. Each step brings us closer to living a life with fewer regrets.

Dreams are rarely smooth journeys. They challenge us to push through discomfort, teach us to embrace vulnerability, and show up even when there’s no guarantee of success. For me, this year wasn’t just about preparing for a marathon; it was about navigating the shifts of midlife. With all three of my children away from home, I found myself redefining my role as a mother and adjusting to a new chapter in my life. Training for the marathon tested my physical endurance, but the emotional side of empty nest was perhaps the hardest to navigate.

Through it all, I learned the power of small steps: consistently showing up, setting clear goals, and taking it one step at a time. I also came to appreciate having such an incredible support system. Their encouragement carried me through the toughest days and reminded me that life’s journey is best done with the special people in your life.

I’ve come to believe that the best way to look back on life without regret is to align your time with what matters most. Start by knowing where you want to go, then let your actions and decisions lead you there. The beautiful thing is that one dream often leads to another. Achieving a ‘wildly improbable dream’ fills you with a sense of possibility and self-belief. You start to see that you can achieve anything you set your heart on.

Imagine what’s possible if you gave yourself permission to pursue your wildly improbable dreams. This newsletter is filled with inspiring stories of clients who have done just that—finding joy, purpose, and creating lasting memories along the way. Perhaps purpose is simply doing what you love, each experience and memory you make adding a new chapter to who you are.

Review of “Place” by Justin Fox

Written by Karen Wilson on . Posted in Chartered Library, Play, Resources. No Comments on Review of “Place” by Justin Fox

While the rest of us plan a beach or bush break or perhaps a culinary tour, Justin Fox decided to combine his passions for travel and local literature. In Place, the former editor of “Getaway” magazine, embarks on a solo quest to visit the settings of several well-known South African stories. These environments were very close to the hearts of the authors of the books and, in some cases, also evoked personal memories for Justin Fox.

He undertakes nine mini expeditions to track down the locales, farms and homesteads where the authors or their characters were said to have resided or to retrace and explore the routes they took. The works that inspire his travels are anchored in various parts of South Africa’s diverse landscape, and he wants to immerse himself in the “spirit of place” that the writers conveyed so powerfully in their stories or poems. This deep-rooted relationship that people can have with an environment is a thread throughout Fox’s book. He notes that one of the challenges of emigration is the loss of a familiar landscape with its distinctive smells, sounds, colours and connections that are locked into memory, often from childhood. Sometimes, it can be harsh terrain, but it is still an integral part of who you are.

His journeys span the Northern, Western and Eastern Cape and extend up to Mpumalanga, Limpopo and North West province. His ‘travel guides’ include classics like Olive Schreiner’s Story of an African Farm (Eastern Karoo) and Jock of the Bushveld – both of which are now faint memories from my school days! Herman Charles Bosman’s Groot Marico tales and Dalene Matthee’s Knysna Forest novels also feature in his itinerary. Those who are familiar with the Wild Coast will appreciate his pilgrimage fuelled by Zakes Mda’s Heart of Redness.

The years have wrought inevitable change, and at times, Fox is dismayed by signs of disrepair or the impact of development and greedy agendas. But at each destination, his chosen book gives him a channel into the sense of place that its author experienced.

A copy of Place by Justin Fox can be borrowed from our Chartered Client Library.

Beyond Inheritance: The Gift of Experiences

Written by Lyndsay Barr on . Posted in Client Story, Purpose. 1 Comment on Beyond Inheritance: The Gift of Experiences

When we think about the legacy we want to leave behind, it’s not always about financial inheritance or material wealth. For many, it’s about creating lasting memories, imparting values, and sharing meaningful experiences that will be remembered for generations. Chartered clients Trevor and Rina White chose a different path when considering their legacy. Instead of focusing solely on financial inheritance for their grandchildren, they wanted to create something more personal, something that would resonate with their family for years to come. Here, they share their heartwarming journey of crafting a living legacy through shared experiences.

“While discussing our estate planning, as guided by Chartered Wealth, my wife and I decided that our financial inheritance planning would be limited to our children, allowing them to decide what would accrue to their children (our grandchildren). From the birth of our two grandchildren, one now eleven and the other eight years old, we, as grandparents, have been involved in their early childhood development. We’ve taken them to and from school, sponsored and accompanied our granddaughter to piano lessons, and our grandson to jiu-jitsu lessons.

We decided that instead of leaving them money, we would find a ‘lasting experience’ that we could share with them as a family – something our grandchildren would hopefully always remember us for, as their Oumi and Oupi!

We considered a long list of possibilities, such as pleasure cruises, skiing trips, Mauritius, the Kruger Park, or even a visit to Disney World, just to mention a few. However, none of these really ticked all the boxes. We wanted to be together as a family, actively involved, while also considering the costs and ensuring the experience was fun-filled for everyone.

Having done a barge trip on the French canals nearly a quarter of a century ago, my wife and I felt that this could be exactly what we were looking for. It combined transport and accommodation in one, with the grandchildren being old enough to act as crew members when entering and exiting the many locks along the way. They helped the lock-keepers with opening and closing the manually operated locks and cycled into the towns and villages to buy fresh provisions such as bread and milk. As a health-conscious family, the grandkids cycled alongside while one of us jogged on the traffic-free cycle routes, which run parallel to all the canals, keeping up with the boat as it made its way along the waterways.

The trip turned out to be everything we had hoped for and more. The weather was perfect, everything went according to plan, and we worked together like a well-oiled machine. The grandchildren were involved from start to finish; they were never bored and seemed to love every minute. We, as grandparents, truly believe we have given them an unforgettable experience that they will carry with them into the future. And the best part? We were able to share it with them!”

Full Steam Ahead: On Track with Passion and Purpose

Written by Lyndsay Barr on . Posted in Client Story, Work. 1 Comment on Full Steam Ahead: On Track with Passion and Purpose

What began as a simple search for a unique rental unit for their property, Little Orchard, turned into a labour of love—the transformation of a forgotten train coach into a luxurious retreat. Clients, Jeff and Sue Lawrence, inspired by the magic of their past train journeys, discovered Coach 26806, a weathered sleeper coach in Ladysmith. Though stripped of its former glory, it still held immense potential.

Transporting the 34-ton coach to Wakkerstroom was no easy feat, but Jeff and Sue were determined to bring their vision to life. This wasn’t just about restoring a piece of history; it was about creating an experience that would evoke nostalgia and craft lasting memories. Every detail, from the Rhodesian teak floors to the custom windows and vintage memorabilia, was chosen with care and dedication.

Stepping inside the train, you can immediately feel the love and thoughtfulness that went into its transformation. The upcycled rail brackets, Sue’s handcrafted stained glass, and original South African Railways touches all contribute to a space that feels luxurious, personal, and full of history.

It’s easy to get caught up in the daily grind and forget to live with intention. But Jeff and Sue’s story reminds us of the importance of living intentionally. Their journey beautifully embodies so many aspects of the Wheel of Balance: Play in their nostalgic escape, Work in their dedicated restoration, Purpose in creating a meaningful space, Money in transforming a relic for income, Relationships in their shared passion, and Learn in preserving the train’s history.

For my husband and me, staying at this unique accommodation was more than just a weekend getaway—it was a chance to reflect. As empty nesters, we found ourselves asking, What is our next journey? What excites us now? The experience reminded us that pursuing passion isn’t always easy, but it is worth the ride.

Our visit to Wakkerstroom coincided with Wakkerstroom 165 Stories of the Anglo-Boer War festival. The town, known for its birdwatching, history, and natural beauty, was bustling with excitement. From vintage car parades and Zulu dancers, Transvaal Scottish Pipes and Drums to fascinating talks on the Anglo-Boer War, Wakkerstroom’s charm was on full display. The friendly people, wonderful restaurants, and lively atmosphere made it an enticing destination.

If you’re looking for a getaway that inspires and offers a unique experience, I highly recommend visiting Wakkerstroom and staying in The Train. It’s a chance to rediscover what excites you.

“Sometimes, the journey leads us to destinations we never imagined, but those are often the ones that make the ride worthwhile.”- Anonymous

Chasing My Dream, Crossing the Line

Written by Kim Potgieter on . Posted in Health, Kim's Blogs. 6 Comments on Chasing My Dream, Crossing the Line

Have you ever had a dream—something you’ve always wanted to do but hesitated to pursue, afraid you might fail? Or perhaps you were too afraid to share, worried you may not succeed. For me, that dream was running the Berlin Marathon. Two years ago, I put it on my vision board and called it my “Wildly Improbable Dream.” It wasn’t just about the race—it was about pushing my limits and proving that I could achieve anything I set my mind to.

In September this year, my dream came true. At the age of 56, I ran through the streets of Berlin in one of the largest marathons in the world. The joy on my face tells the story! Every photo along the route shows a beaming smile, no matter how tired I felt. But dreams aren’t supposed to be easy. As Kahlil Gibran said, “The deeper that sorrow carves into your being, the more joy you can contain.” The resilience it took to keep going when the road got tough made this dream even more meaningful.

Here are the lessons I learned from chasing my dream:

The first step was knowing why I wanted to do this. Sure, I wanted to test my limits, but it was more than that. This dream allowed me to combine all my greatest loves: running, travelling, and learning. Along the way, I explored beautiful cities across Europe, learned new recipes at Toscana Saporita in Tuscany, and took in the sights of Italy—a true celebration of everything that brings me joy.

Small steps, big gains
The secret to success? Consistency. I learned from Atomic Habits that improving by just 1% every day adds up to being 37 times better over time. So, I stuck to my running schedule, rain or shine. I consistently got up early and pushed through tough days—even when life tried to get in the way.

Setbacks aren’t stop signs
Of course, setbacks happen. After Covid, I had complications with my heart rate that I monitored closely throughout training. And getting into the marathon wasn’t easy either. After trying and failing to register through the organisers, the lottery, travel agents, and charities, I nearly gave up. But my support group encouraged me to try one last time, and miraculously, a spot opened, and I finally got my chance.

Your support system is everything
The night before the marathon, fear crept in. I was nervous—what if I couldn’t do it? But then came the messages from my sons, Josh and Ryan, and from my friends and Gabi, all cheering me on. Their encouragement made such a difference. As I stood at the starting line, tears in my eyes, I knew I wasn’t doing this alone. Their support carried me, step by step.

Have fun
When the whistle blew, I reminded myself of something important—I wasn’t just here to run; I was here to enjoy every minute. I kept my pace steady, only walking through the water stations, and savoured every moment. That feeling of joy and pride has stuck with me since.

One dream leads to another
Achieving a wildly improbable dream gives you a sense of limitless possibility. Once you’ve crossed that finish line, it feels like no challenge is too great, no goal too far out of reach. You start believing that you can achieve anything you set your mind to.

So, what would you do if you weren’t afraid to fail? Chase your wildly improbable dream with all your heart!

Review of “The Hitchhiker’s Guide to AI: A Handbook for All” by Arthur Goldstuck

Written by Karen Wilson on . Posted in Chartered Library, Learn, Resources. No Comments on Review of “The Hitchhiker’s Guide to AI: A Handbook for All” by Arthur Goldstuck

Thanks to ChatGPT, which put artificial intelligence centre stage in late 2022, it has become apparent that AI is and will continue to be a part of our lives. In fact, as Arthur Goldstuck points out, AI has been around for a while in various forms but didn’t grab the global spotlight the way ChatGPT has done – with Bing Chat and Google Bard losing out on the starring role.

If you are old enough, you may remember that Arthur Goldstuck published a South African guide to the Internet back in the mid-nineties. The local tech guru’s 2023 book covers the good, the bad, and the ugly of artificial intelligence. On the upside, it is being used to save time spent on grunt work – like sifting through medical records, searching for legal precedents, and picking up fraud or sales patterns. Industries as diverse as healthcare, travel, financial services, agriculture, law, manufacturing and creatives are tapping into the benefits of AI. One impressive example he gives (which has South African roots) is a company called “Aerobotics”: they use AI to analyse drone video footage to advise farmers across the continent on improving output and sustainability.

Things can get a little grey in areas like creativity and education. AI in creative writing should be a tool for ideas the human author will flesh out and fact-check (while injecting emotion, tone or personal insights). However, as in education, Arthur Goldstuck acknowledges that misuse of AI by the lazy undermines learning and creativity. He believes that while banning it isn’t the answer, schools and teachers must have clear policies on AI as an educational aid.

From grey to grimy … inevitably, AI is also being exploited by the less honourable among us. The author takes us through the more troubling possibilities, from copyright infringements and spreading misinformation to ‘deep fakes’ and ethical questions around releasing new music from deceased artists.

The book chapters are flagged with small icons to denote whether they cover general learning material or are of more targeted interest. So, if you don’t know adaptive from generative AI, and are keen to understand how AI is making itself felt in our lives, then this book could be helpful.

P.S. While I didn’t resort to ChatGPT to compile this short review, I did consult Grammarly, a form of AI, for any feedback on my grammar and phrasing … occasionally the human knows best!

Riding the Waves of Joy with the Granny Grommets

Written by Lyndsay Barr on . Posted in Client Story, Play. No Comments on Riding the Waves of Joy with the Granny Grommets

When Chartered client Ingrid Davidson and her husband Alistair retired to the coastal town of Plettenberg Bay, she was looking forward to peaceful mornings and long walks on the beach; what she didn’t expect was to find herself reliving the exuberance of her youth, thanks to an enthusiastic invitation from her dear friend, Mary Connock.

Mary introduced Ingrid to the Granny Grommets, a lively group of women who have turned the beach into their playground. Twice a week, this spirited group gathers at Robberg Beach at 10:00 in the morning, ready to embrace the waves and leave behind any cares that might have followed.

The Granny Grommets, as the name might suggest, is a group of women who have discovered the sheer joy of boogie boarding. The term “Grommet” originally referred to a young surfer or someone involved in extreme sports, highlighting this group’s youthful, adventurous spirit. But don’t let the “Granny” part fool you—this group is for anyone with a zest for life, with members of all ages joining in the wave-riding excitement.

Initially hesitant, Ingrid was quickly swept up by the group’s enthusiasm. The moment she caught her first wave, all her reservations melted away. The exhilaration of being tossed about by the ocean, the laughter that echoed across the beach, and the sense of freedom that came with every ride reminded her of the playful days of childhood.

And it wasn’t just the wave riding that captured Ingrid’s heart. After an hour of fun in the surf, the group plunks down on the beach, flasks of coffee in hand, sharing stories, solving the world’s problems, and indulging in delicious treats. It’s a time of connection, camaraderie, and simple pleasure.

Ingrid’s Wednesday and Friday mornings have become the highlight of her week. The Granny Grommets have given her a sense of community, energy, and an unexpected source of joy. Even the chilly water can’t dampen the spirits of this group—though, of course, they take a well-deserved break during the colder months when the sharks make their appearance.

So, if you find yourself near the shores of Plett, grab a boogie board and join them—all are welcome.

Filling the Gaps: How Making Appointments with Yourself Can Ease Transitions

Written by Lyndsay Barr on . Posted in Purpose, Resources. No Comments on Filling the Gaps: How Making Appointments with Yourself Can Ease Transitions

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Transitions, whatever they may be, often involve a change in routine. Whether it’s adjusting to an empty nest, retirement, or another significant life shift, these changes can leave us feeling unmoored, unsure of how to fill the time and space once occupied by familiar activities and responsibilities.

As I transitioned into an empty nest, I found myself slipping into a slump where weeks seemed to blur together. The routine and purpose once defined by my children’s needs were suddenly gone, leaving an unsettling emptiness. I realised that if I didn’t make some changes, I could easily become stuck in this rut.

To bring structure and purpose back into my life, I began making weekly appointments with myself. These weren’t about filling my schedule with busy work; they were about reconnecting with myself and exploring new interests to fill the gaps left by my children.

Last week, my self-imposed appointments included two spinning classes, evening walks with the dogs, and an embroidery class with a friend. These activities weren’t chosen because of a deep passion but rather as a way to stay accountable to myself. Some, like spinning, offered a physical outlet, while others, like the embroidery class, were a chance to try something new, even if embroidery isn’t in my future.

This week, I’m excited to dust off my camera and spend time in the garden taking pictures before dusk—an activity that reconnects me with my love for photography. I’ve also planned a date night with my husband and a visit to Exclusive Books to browse, something I’ve always loved but haven’t made time for in a while.

Through this process, I’ve learned that transitions like these can leave you feeling lost, unsure of your direction, and disconnected from the routines that once anchored you. But by committing to these weekly appointments, I’ve found a way to fill the gaps that were left behind. Even when I don’t enjoy every new thing I try, the act of making these commitments keeps me accountable, pushing me to stay active and engaged rather than slipping back into that initial slump.

Here are a few tips that might help you navigate your own transitions:

  • Try New Things: Step out of your comfort zone and explore new activities. Even if they don’t all become lifelong passions, they can help you discover new interests and keep your mind engaged.
  • Reconnect with Old Passions: Use this time to revisit hobbies or interests that you may have set aside. Whether it’s a creative pursuit, gardening, or volunteering, reconnecting with old passions can bring a sense of fulfilment.
  • Set Small, Achievable Goals: Start with small goals that are easy to accomplish. As you meet these goals, you’ll build confidence and momentum, making it easier to tackle bigger challenges.
  • Find a Community: Transitions can feel isolating. Joining a group or class related to your interests can help you build a new social circle and share experiences with others going through similar changes.

By setting aside time each week for intentional activities, you can begin to carve out a new path and find purpose, no matter what transition you are going through.

A sprinkle of luck goes a long way

Written by Kim Potgieter on . Posted in Health, Kim's Blogs. 2 Comments on A sprinkle of luck goes a long way

“What now?” is a thought that has been on my mind a lot this year as I navigate my empty nest. My role as a mother has changed – it’s different now – but there’s a space that I need to fill with something else. I have been exploring new challenges and embracing new opportunities that push me to grow, and what I’ve learnt in this process is that stepping out of your comfort zone doesn’t just require courage – it might also take a little bit of luck.

Running in the Berlin Marathon has been on my vision board for the past two years. It was meant to be a gift to myself during this empty nest year, but it has made me question my gift-giving capabilities. This gift has sometimes felt more like a punishment – just over 42km of running is no walk in the park! But there’s something about the challenge that has drawn me in. I’m spending hours training and cultivating the habit of running, and one of the pros of this time on the road is that it gives me time to think. I’ve learnt the art of perseverance and patience, but I’ve also come to realise that a sprinkle of luck can change everything.

Entry into the Berlin Marathon is via a lottery system, which I duly entered at the end of last year but didn’t get in. Very disappointed but still determined, I turned to other ways to gain entry, charities and travel agencies, with no luck. Just as I thought the dream was slipping through my fingers, a spot opened – as if the universe was giving me a nudge. Out of the blue, I received the message: I could participate.

Sometimes, the best-laid plans need a little help from the unpredictable forces of life. You can prepare, train, and do everything right, but outcomes are not always in our control. Morgan Housel beautifully writes in The Psychology of Money: “Luck and risk are both the reality that every outcome in life is guided by forces other than individual effort…The accidental impact of actions outside of your control can be more consequential than the ones you consciously take.”

It’s not that effort doesn’t matter; it’s just that life, with its infinite moving parts, has a way of surprising us. The key is to keep showing up and putting yourself out there – even if success isn’t guaranteed. Sometimes, that little bit of luck makes all the difference.

Our very own Olympic medallist, Tatjana Smith, embodies this idea perfectly. After winning her gold and silver medals, she said something that stuck with me: “On any other day, any other swimmer could have taken gold. We are not better than each other; that day was just my day.”

This isn’t to say we must depend on luck alone. It’s a reminder that when you dare to try something new, you may be surprised at how the stars can sometimes align in your favour. Preparing for the Berlin Marathon has taught me never to say “I can’t” and to challenge myself in ways I never thought possible. It’s also taught me to leave a little space for luck.

So, don’t be afraid to take the leap. Yes, there will be bumps along the way. Sometimes, things won’t go as planned. But keep showing up. Keep saying yes to new experiences. And who knows? With a bit of perseverance and maybe even a dash of luck, you might find yourself achieving something you never thought possible.

Review of “Same as Ever” by Morgan Housel

Written by Karen Wilson on . Posted in Chartered Library, Money, Resources. No Comments on Review of “Same as Ever” by Morgan Housel

You may recognise the name of this month’s author: Morgan Housel wrote the hugely popular The Psychology of Money, which we reviewed in the March 2023 edition of Inflight. In this subsequent offering, he sets out to identify what never changes in a changing world.

Morgan Housel delves into history to discover what has remained consistent over time. This includes the sobering fact that the future will always serve up surprises and, as he states in his initial chapter, “much of the world hangs by a thread”.

The book is divided into 23 short chapters, each with a punchy title, such as “Calm Plants the Seeds of Crazy”, “Risk Is What You Don’t See”, “Casualties of Perfection”, and “Wounds Heal, Scars Last”. They all revolve around human nature and motivations, as well as repeating cycles or trends – economic and otherwise.

As he does in The Psychology of Money, Housel weaves real-life stories and examples into each chapter to flesh out his concepts and includes numerous famous names – with mavericks like Steve Jobs and Elon Musk featured in the chapter entitled “Wild Minds”. Quotations from Benjamin Franklin to best-selling author James Clear (“People follow incentives, not advice.”) add credence to the topic “Incentives: The Most Powerful Force in the World”.

Compounding is a favoured theme in The Psychology of Money. In Same as Ever, it pops up in his premise that most catastrophes and major achievements result from a series of tiny events that combine to make a big impact. In another echo of his earlier book, Same as Ever also makes the point that nothing worth pursuing ever comes without a price in some form or the other. “Too Much, Too Soon, Too Fast” discusses both nature and business – and the failures produced when combined with this trio of excess.

Although the individual chapters in this book don’t seem to flow quite as well as those in The Psychology of Money, Same as Ever certainly gives you food for thought about recurring patterns and behaviours over time.

Both Same as Ever and The Psychology of Money are available on a short-term loan from our Chartered client library.

Faith and Flour: Eddie’s Journey from Finance to Baking

Written by Lyndsay Barr on . Posted in Client Story, Work. 7 Comments on Faith and Flour: Eddie’s Journey from Finance to Baking

After a distinguished 40-year career in banking, Chartered client Eddie Coetzer never imagined he would find himself deeply immersed in the world of baking. Having retired in July 2022, Eddie’s transition from financial services to sourdough starter began unexpectedly but with profound passion and purpose.

“In my wildest dreams, I never thought I would become a baker,” he admits, having never baked anything significant until recent times. His only prior baking experience was a cinnamon cake, fondly nicknamed the “Dallas cake,” during his childhood.

Eddie’s retirement coincided with a family crisis. His mother-in-law’s cancer diagnosis led him and his wife to the UK for six months. After returning to South Africa, he sought solace and a new direction. Eddie always liked the idea of a father figure baking something that the family enjoyed. His initial thought was a bread of sorts. Inspired by the prevalence of sourdough and gluten-free breads in the UK and Canada, his wife suggested he explore baking healthier bread options, particularly as she is gluten intolerant.

A course at Melville’s Crust and Crumb ignited Eddie’s passion for sourdough. “I fell in love with the whole process,” he shares. This enthusiasm quickly transformed into a small business, which he named ‘Sour Ed’s Bread’. Eddie began by baking loaves and sharing them with friends and family, who encouraged him with their positive feedback.

Recognising the health benefits of sourdough, particularly for those with gut issues and diabetes, Eddie expanded his repertoire. He took a gluten-free baking course, resulting in two popular varieties: whole grain blend and white blend gluten-free breads. These breads, praised for their taste and quality, are more affordable than store-bought options.

Eddie’s bakery operations are modest but efficient. He converted half of his double garage into a bakery with a deck oven and prover. Despite the challenges of working alone, Eddie’s dedication to his craft is steadfast. “I’ve baked over 1,200 loaves,” he proudly states, balancing his time between baking sourdough twice a week and preparing gluten-free options. In addition to bread, Eddie has recently ventured into making rusks under ‘Ed’s Rusks’. “I’ve baked 265 kilos of rusks in the past few weeks,” he says. This new product line has been well-received, adding another dimension to his burgeoning business.

His venture also includes selling at local markets and at a water shop, Agua e Vide, in Krugersdorp. Though expanding further is logistically challenging due to the thin margins and high labour intensity, Eddie is content with the current scale of his business. He maintains a Facebook page and a WhatsApp group for regular customers, ensuring a steady flow of orders without overwhelming his capacity.

A crucial aspect of Eddie’s journey is his faith. Deeply connected to his beliefs, Eddie feels that his newfound path is guided by God. His faith has provided him with the strength and clarity to navigate this unexpected career shift.

Eddie’s story is not just about a career shift but about finding joy and purpose post-retirement. His passion for baking has brought him immense satisfaction and a sense of fulfilment that was missing in his corporate life. “I never felt truly at home in the corporate world,” he reflects. “Now, I wake up excited about baking.”

His story is a reminder of the power of reinvention, faith, and the joy of finding a new calling, even after decades in a completely different field.

The Bittersweet Farewell: When Your Loved Ones Leave South Africa

Written by Lyndsay Barr on . Posted in Relationships, Resources. 4 Comments on The Bittersweet Farewell: When Your Loved Ones Leave South Africa

The thrill of opportunity and the promise of a brighter future—these are the images often painted when our children or grandchildren decide to spread their wings and fly to foreign shores. Yet, beneath the excitement and logic that propel us to cheer them on, there lies a profound and often unexpected grief. It’s a complex emotion, a bittersweet mix of pride and pain, that echoes in the hearts of countless South African parents and grandparents.

My own journey with this complex emotion began this month when my son Mike embarked on an adventure to pursue his master’s degree in international business at the University of South Carolina, a programme that qualifies him for a work visa and subsequent career opportunities in the United States, making it uncertain if and when he will return home. On the surface, it was a decision brimming with potential and excitement. Below this excitement, however, was a growing sense of emptiness. The realisation that my daily interactions, the shared laughter, and his comforting presence would be replaced by fleeting visits and digital connections was a stark and sobering truth.

It’s a grief that often feels at odds with the circumstances. Logic dictates that this is a positive chapter, a stepping stone to a fulfilling life. But the heart, it seems, has its own agenda. It yearns for the familiar, the comforting rhythms of shared existence.

This experience was amplified when I considered the impact of Mike’s departure on my parents. The passage of time, with its inherent fragility, casts a different light on these farewells. While I can still plan and anticipate future visits, their ability to do the same is limited by the uncertainties of age, making the goodbye even more heart-wrenching.

My mother found comfort in the words of Kahlil Gibran, which she shared with me. His poignant reflection on children as “arrows loaned to you by life” resonated deeply with her. As he writes, “They come through you but not from you, and though they are with you, yet they belong not to you.” These words, while offering little comfort in the moment, provided a broader perspective on the cyclical nature of life.

So, how do we navigate this complex landscape of emotions?

  • Acknowledge your feelings: It’s essential to give yourself permission to grieve. This isn’t about denying the opportunities or minimising the achievements; it’s about acknowledging the depth of your love and the changes that accompany this new chapter.
  • Build a support network: Connect with other people who are experiencing similar emotions. Sharing your feelings can be incredibly therapeutic.
  • Embrace technology: While it can never replace physical presence, technology offers invaluable connections and can help bridge geographical distances.
  • Create new rituals: Establish new traditions to mark special occasions. Whether it’s a weekly video call, a WhatsApp group, or a virtual family gathering, these rituals can provide a sense of continuity. My son created a WhatsApp group for the extended family where he posts videos, pictures, and daily ramblings.
  • Don’t be afraid of social media: If your grandchildren/children are on Instagram or TikTok, go ahead and create an account and follow them. This can be a great way to stay connected and up-to-date with their lives.

Remember, this is a journey, not a destination. It’s about finding a balance between celebrating their successes and honouring your own emotions. With time, the pain will soften, and the joy of their accomplishments will continue to grow. Hopefully, one day, the distance will feel like a bridge rather than a barrier, cultivating a deeper and more meaningful connection.

Your Lifeline – The Rest is Still Unwritten

Written by Kim Potgieter on . Posted in Kim's Blogs, Relationships. No Comments on Your Lifeline – The Rest is Still Unwritten

By now, we are well-acquainted with the notion that nothing in life is constant except for change (and taxes, of course!). While it’s tax season, don’t worry, that’s not the focus today. Instead, I want to talk about the kind of change that transforms your life and demands that you reassess your path forward.

I recently presented a workshop where I shared my insights from Chip Conley’s Learning to Love Midlife course. What struck me about this phase of life, which Conley suggests can last up to the age of 75 – or even longer – is how many transitions we navigate. It’s rarely just one change at a time – but a convergence of many shifts all at once. Many participants struggled with significant transitions intertwined with unexpected changes and emotional turmoil. These ranged from relocation and relationship changes to physical and psychological challenges, losing loved ones, changes in how we approach work, and often, a deep search for meaning and purpose.

Navigating difficult situations

Do you sometimes feel overwhelmed by a transition, as if you’re drowning in doubt and uncertainty – wishing someone would throw you a lifeline? The good news is that you have your very own lifeline – filled with the lessons and wisdom you’ve accumulated and applied throughout your life. Imagine your life as an unwritten book, with each new day offering a blank page waiting for your mark. Your past experiences provide the inspiration to write your future, helping you navigate the complexities and challenges of trying times. Of course, music can also be a great companion for finding solace.

Drawing your Lifeline

To give you an idea of what this exercise is about, here is a snapshot of the most recent part of mine. It involves reflecting on your life so far and identifying the stories that shaped who you are today. Include all the key moments of your life, from birth to the present day. Everything above the middle line represents high points, and everything below the line represents low points that made you feel unhappy or challenged.

Reflect on your Lifeline

What lessons can you take from your timeline?
Are there any significant themes?
What (and who) helped you through your lows; what (and who) supported you during your highs?
What strengths did you find to help you through your lows?
Is there anything you could or would have done differently, knowing what you know now?
Can you document all the lessons and wisdom you have gained?

Embrace your Inner Strengths

When I look at my lifeline, I reflect on what each story is teaching me and what I can learn from every transition. I consider the strengths that helped me through previous difficult situations and think about how I can draw on those strengths now. It’s often your inner strength that pulls you through.

I do believe that things happen for a reason and that the story of your life is a powerful teacher. And then there’s always music! In times of change, I often turn to music. Natasha Bedingfield’s song Unwritten reminds me that there are always ways to find comfort and strength in the unwritten possibilities ahead.

I hope the lifeline exercise benefits you as much as it’s helping me right now. If you’re looking for a song to draw, reflect on, and work to, here’s a link to Unwritten: https://www.youtube.com/watch?v=b7k0a5hYnSI

A Leisurely Road Trip to the Fairest Cape Rally

Written by Clients in Action on . Posted in Client Story, Play. No Comments on A Leisurely Road Trip to the Fairest Cape Rally

By Terma Kussman

Although our intention was to attend the Fairest Cape Rally, we decided to turn the journey into an adventure, visiting new places and making memories with good friends. Joining the rally with our Pretoria Old Motor Club (POMC) companions, Hylda and Tinus Steenkamp, made the trip even more special.

We kicked off our journey early in the morning, celebrating the start of our adventure with a Wimpy breakfast, complete with milkshakes and cappuccinos.

Our first stop was Britstown, where we booked into a charming guest house – the owner was quite the talker! We all agreed that a relaxing evening stroll was needed, so we ventured out to the hotel for a delicious buffet dinner featuring a leg of lamb and springbok pie.

Our destination for breakfast the next morning was Loxton, a charming town in the Karoo region of the Northern Cape Province and a two-hour drive from Britstown. It was the perfect choice! We enjoyed a scrumptious breakfast, and the locals thoroughly entertained us with the most interesting conversations. We were spoilt for choice with lovely spices with intriguing names like “Varkerig” and “Oorlams.” From there, we ventured over the escarpment and entered Vanrhynsdorp to spend the night. Vanrhynsdorp is a small town with a distinct Victorian character, famous for its Nama Karoo vegetation, succulents and fynbos, and offers a wide range of cultural and historical experiences.

It was time to slow down our journey, and the following day was spent exploring the beautiful Cederberg. We visited Lamberts Bay, stopped by Leopoltsville, and finally reached Hermanus, where we booked into The Esplanade Apartment Hotel for four nights. We savoured long walks among the wildflowers, enjoyed the stunning sea views from a beachside bench, and dined at outstanding restaurants like Dutchess, Fick’s Pools, and Bientang’s Cave.

We arrived at Goudini Spa for the Fairest Cape Rally six days into our adventure.

We were warmly welcomed by Leon Stander, the scorekeeper, and settled into the Slanghoek Luxury Villas for three nights. On our first evening, we enjoyed a beautiful view over the Breede Valley and a good old South African braai.

The rally kicked off the next morning with over 70 entries, most of them veteran motorcycles. Fortunately, a few classic cars and a touring class for newer cars were also allowed to enter.

We participated in the fastest speed category (80km/h), driving without instruments but finding opportunities to accelerate, primarily through the beautiful Bainskloof Pass.

After a stop at Riebeek Kasteel and lunch in Tulbagh, we headed back for a relaxing soak in the warm water pool at Slanghoek, taking in the breathtaking view after a long day on the road.

We rallied again the next day, embracing the thrill of the open road. Later, we drove to Ceres for a delightful lunch, where we shared countless stories about motorcycles, reminiscing with laughter and, at times, tears as we connected over our shared passion and all our memories.

The last evening was a highlight, with a gala dinner and a prize-giving celebration. It was wonderful to meet so many new friends, but the time eventually came to part ways.

This road trip was a journey of camaraderie, stunning landscapes, and unforgettable memories. If you ever have the chance to join the Fairest Cape Rally, don’t hesitate – it’s an adventure you won’t want to miss!

Review of “Still Breathing”, a novel by Marita van der Vyver

Written by Karen Wilson on . Posted in Health. No Comments on Review of “Still Breathing”, a novel by Marita van der Vyver

Our May 2024 Book of the Month is a fiction pick written by a well-known local author. Published in 2023, the novel is set on the Cape West Coast, a region that will be familiar to many South Africans.

The book’s theme is friendship and connection that spans decades and distance. The main characters met one another as university students in South Africa from the late 1960s into the ’70s, or through early jobs. In 2020, they have a long-awaited reunion to celebrate two 70th birthdays in their circle—the first time in 25 years that they have all managed to get together.

Of course, “life happens”, as it inevitably does: a few had left South Africa for another country; others had divorced or lost their partners; some now had adult children plus recent grandchildren; a less-traditional family unit had taken shape; and a couple of them were dealing with life-threatening illness and traumatic events.

The story also embraces the dreams, hopes, and trials of the next generation attending the celebrations at the St Helena Bay beach house—their young lives intertwined because of their parents’ enduring bond.

While the book essentially covers a celebratory weekend in early March 2020, in the looming shadow of COVID-19, the personal journeys of the various characters emerge throughout the book.

And for those wondering about the book title, it was the whimsical name they gave to their reunion-planning WhatsApp group!

Our Chartered client library has a copy of this relatable novel, which can be borrowed on a short-term basis.

Time for a Geriatrician?

Written by Clients in Action on . Posted in Health. 1 Comment on Time for a Geriatrician?

By Stephen Marcus Finn

Many of us have had to cope with elderly or really old family members who have fallen into decrepitude. They have not been able to meet physical or cognitive demands and were unprepared to move into that new phase of life. The result was that we have had to take on all the responsibility.

And now many of us are reaching that stage, too, and we’re reasonably sure that none of us would want to put that burden on our children or even grandchildren.

So how should we prepare? One way is to visit a geriatrician. Babies and children have needs different from adults; hence, there are medical doctors who specialise in this field: pediatricians. Similarly, older adults have medical concerns different from those they had when they were younger; and here the specialists are geriatricians.

At this stage, my wife, Louis and I, are physically, cognitively and emotionally healthy, still working and working out, still having a hectic cultural life, still travelling a lot, and relishing our family. We realise, however, that this might hit a hiccough, or something more permanent, at some stage, whether it’s in a few months or several decades. We felt we needed a baseline to compare ourselves to ourselves as we get older.

We have been going to a physician annually for over thirty years and, excellent though he is, he is not an expert on those who are not in the first flush of youth, the more mature, the elderly. It’s time for a geriatrician whom we went to a few months ago. She questioned us in detail about our lifestyle (from what we ate to what medications we were on to how we occupied ourselves to whether we lived in a house with stairs or not), looked at our blood results, examined us physically, and tested our cognitive skills with a series of tasks that ranged from memory to vocabulary to arithmetic skills to drawing. She then gave us a frank assessment of our state of being and arranged another appointment for next year.

She will also watch us closely and in the event of either or both of us slipping in any way, we will be able to make plans as to what to do, where to go, how to manage ourselves, before our children have that burden. And that is another important aspect of going to a geriatrician: not to leave the arrangements for care to others; to do it all ourselves while we can. In this way we can be in control of our lives for longer. However, we must all be frank and honest with ourselves about this. Don’t say: “I’ll know when it’s time to move into a retirement home; I’ll know when I should stop driving; I’ll know when I can’t hear that well anymore.” By the time you should know it, you might not be capable of managing it. You might not know anymore what you should know. This is also where geriatricians are important: they will lead you to this realisation in time.

All of us have taken the first important, even vital, step towards planning for our lives as we age by our being part of Chartered Wealth, who have a number of people who are gerontologists, who manage and advise us on our lifestyle and finances.

You might ask what the difference is between a geriatrician and a gerontologist. Gerontologists are professionals who are qualified to work with the elderly; they can be nurses, psychologists, social workers and financial planners. All geriatricians are gerontologists, but not all gerontologists are geriatricians. South Africa has about twenty registered geriatricians in the Western Cape, Gauteng and KwaZulu Natal.

It’s important that we go not only to gerontologists but to geriatricians before our get up and go has got up and gone.

Click here for a list of geriatricians as provided by the South African Geriatrics Society.

Beyond Forgetfulness: Understanding and Supporting Someone with Alzheimer’s

Written by Lyndsay Barr on . Posted in Health. No Comments on Beyond Forgetfulness: Understanding and Supporting Someone with Alzheimer’s

Chartered client Sarah knows all too well the long shadow Alzheimer’s disease can cast on families. Witnessing her father’s decline has been a heartbreaking journey, filled with frustration and a deep sense of loss.

“It started subtly,” Sarah recalls. “Misplaced keys, forgotten appointments, struggles to find the right words. We brushed it off as normal forgetfulness that comes with age.” But as time passed, the forgetfulness morphed into something more concerning. Simple tasks became overwhelming, and conversations repetitive. “My dad fell prey to scams,” Sarah shared, “which left him feeling vulnerable and embarrassed to admit his mistakes.”

Sarah’s attempts to discuss her father’s condition were met with resistance. “He wouldn’t accept there was a problem,” she explains. “It was incredibly frustrating. How do you talk to someone about a disease they refuse to acknowledge?” This is a common challenge for families facing Alzheimer’s. The disease’s insidious nature can cloud judgment and make admitting vulnerability difficult. But Sarah’s story emphasises a crucial message: early conversations about future care, even before any signs of dementia, are essential.

Wall of Denial

One of the hardest aspects was dealing with her dad’s denial. He adamantly refused to discuss his condition or accept help. This extended to finances, daily responsibilities, and his overall deteriorating state. His pride and stubbornness made constructive conversations nearly impossible. Sarah’s attempts to discuss planning and support were met with resistance, sometimes anger.

The Burden of Responsibility

As the signs became undeniable, Sarah’s concerns grew not just for her dad but also for her disabled brother, who depended on him entirely. The realisation that her dad’s declining ability to manage finances could jeopardise her brother’s future added immense pressure. He managed his own investments, paid for his son’s medical aid, and handled all financial affairs. If he were to pass away or become incapacitated, Sarah would be left to untangle the financial mess.

Taking Action

Over time, Sarah took incremental steps to secure her dad’s and brother’s future. This involved gathering information about his assets, creating a folder with important documents, and gaining third-party access to his medical aid. She managed to set up a trust for her brother.

Emotional Toll

The emotional toll of this journey cannot be understated. Witnessing her dad struggle with cognitive tests was heartbreaking. The frustration of his denial, coupled with the immense responsibility of managing his affairs, strained her relationships with him. It was difficult not to become resentful as her time and energy were consumed.

Practical Advice

For those in similar situations, here are some practical steps to consider:

  • Legal Preparedness: Understand the limitations of the power of attorney and consider appointing an administrator or curator for someone who loses mental capacity.
  • Financial Planning: Ensure all financial documents are organised and accessible. Gain access to bank accounts, medical aid, and other essential services.
  • Seek Professional Help: For guidance and support, consult financial planners, legal advisors, and medical professionals.
  • Emotional Support: Don’t underestimate the emotional burden. Seek support from family, friends, or professional counsellors.

Approaching the Conversation

Planning for the future empowers you to make informed decisions when the time comes. That’s why having open conversations, however difficult, is essential. They require a great deal of empathy and a willingness to navigate challenging emotions. Most importantly, they need patience, as reaching an understanding may take several conversations.

Remember, you don’t have to navigate this journey alone; organisations https://www.dementiasa.org/ and https://www.adasa.org.za/ are there to help.

What’s missing in your health routine?

Written by Kim Potgieter on . Posted in Health. No Comments on What’s missing in your health routine?

Check-in with your check-ups

During my time with Chip Conley at his Learning to Love Midlife workshop at the Modern Elder Academy (MEA), I realised that I may still have half my life ahead of me. At 55, it’s certainly not the time to start thinking about slowing down or stepping back. I have more life left than I thought! But it also made me realise that it was time to check in with my health.

Am I keeping fit? Check. I’m running half marathons and train regularly.
Am I eating healthy? Check. Apart from my sugar cravings, I do my best.
Do I have any outstanding medical check-ups? No.
How am I doing emotionally and mentally? I’m doing the best I can. Midlife can get messy, and with so many changes to navigate in this “messy middle” part of my life, the one thing I can do is make sure I take time out when I need to – to reflect, do the introspection, be grateful and be open to embracing wisdom and intuition.

So, what part of my health have I neglected? My teeth.

I needed braces as a child, but as my dad did not have medical aid, it was never an option. As an adult, getting braces was also never a priority for me (I was never going to be that beauty queen with perfect teeth anyway!) Now, in my mid-50s, the dentists tell me that the overcrowding in my mouth could cause my bite to go out of alignment if left untreated. I wish I’d known earlier in my life that braces are not just for aesthetic reasons. One of the most important reasons for getting braces is to correct your ‘bite’ and ensure the long-term health of your teeth.

Honestly, it’s hard getting braces in your 50s. Not only has the first week been extremely painful, but it’s also a mental adjustment that I need to make. Holistic health means looking after every part of our bodies, minds and hearts (including our teeth) and preparing well for our longer lives.

Is there any part of your health you’ve neglected or just haven’t gotten around to? A check-up that you’ve been putting off? A hip or knee replacement that feels too daunting? Perhaps it’s time to take action sooner rather than later, remembering that our bodies and minds are our most valuable assets.

Taking care of our health is a continuous journey, especially as we age. By prioritising our well-being, we can try our best to live our remaining years with vitality and purpose. So, whether it’s a dental check-up, a fitness routine, or a procedure you’ve delayed, let’s commit to our health today. Your future self will thank you.

Review of “Think Again” by Adam Grant

Written by Karen Wilson on . Posted in Learn. No Comments on Review of “Think Again” by Adam Grant

Think Again is the work of organisational psychologist Adam Grant, a Wharton University professor. In this 2021 publication, he lays out the merits of going through life with an actively open mind about rethinking anything and everything – from knowledge (especially if you consider yourself an expert on a topic) to beliefs, biases and prejudices, best practices, business models, careers, and relationships.

He cites humility, doubt, and curiosity as the three essential ingredients for productive rethinking, leading to learning and progress. This book even has a chapter entitled “The Joy of Being Wrong”!

According to Adam Grant, there are four mental models that people adopt: Preacher (you think you have all the answers), Prosecutor (attacks the other side), Politician (advocates whatever wins favour with others), and Scientist (rigorously and regularly examines data and different perspectives and adjusts accordingly) – the latter being what we should all be striving towards.

He relates stories of exceptional teachers whose approach to education encouraged rethinking amongst their students and celebrating three or four attempts at something rather than just ‘getting it right’. He also details experiences at world-renowned organisations like Google, the Gates Foundation, Amazon, and NASA, where embracing rethinking improved processes, communication, and innovation – and in the case of NASA, probably saved some lives.

He points out that the key to opening the minds of others is to listen more than you talk, recognise common ground, and acknowledge the shades of grey in so many emotive and polarising issues.

Adam Grant’s message is that we should all maintain a flexible and humble mindset in a rapidly evolving world. And whilst we all need supportive people in our lives, having a ‘challenge network’ is equally important to keep us learning and moving forward. The book closes with a handy summary called “Actions for Impact”, in which he lists thirty practical takeaways from his book.

A copy of Think Again can be found in our Chartered Client Library.

South African Masters Swimming

Written by Clients in Action on . Posted in Client Story, Health. 2 Comments on South African Masters Swimming

Inspired by fun, friendship and fitness

by Sandy Murray, Chartered client.

Swimming is a great way to keep mentally and physically fit. Many of us, however, need considerable motivation to take the plunge – so to speak.

South African Masters Swimming is a fraternity of aqua enthusiasts who enjoy keeping fit and setting their sights on maintaining or shaving seconds off their previous personal best times. The year’s highlight is the Masters National Championships, which brings together swimmers across South Africa and beyond for a 4-day gala. The excitement of the 379 swimmers – aged 20 to over 90 – is invigorating; everyone is decked out in their club colours, greeting their comrades and competitors, and eyeing the 50m pool with apprehension – or eagerness to clinch bronze, silver, or gold medals.

I met Marion Hollander at Chartered, and we both swim for the largest team, Wahoo Masters. Our section of the stand is generally the most festive, with a swathe of 120 purple t-shirts, banners, silly hats, and other festive paraphernalia.

The 2024 Masters Nationals was a first for Marion: “This was the first time I swam in a gala since primary school – let alone a Nationals Masters Gala! It was terrifying, and I was completely out of my comfort zone. However, I managed to swim in all my races and even got a bronze medal for coming third in one of them. It ended up being a fantastic experience. I met many people, including Sandy, whom I recognised from Chartered Wealth! What a wonderful four days!”

I have swum with Masters for many years, inspired by my teammates who, well into their senior years, continue to relish their sport and strive to break South African records. Our oldest swimmer, Patrick Galvin, a 91-year-old Australian, holds breaststroke world records in his age group and South African Colours. Hosting our American team members added a bonus social dimension to the event for my family. Each member of my relay team earned a silver medal, a proud memento of the event.

Marion and I, fuelled by the fun, friendship, and fitness of Masters Swimming, are ready to set the bar of our achievements even higher for the 2025 40th Masters National Championships.

Saying Goodbye to the Familiar: A Daughter’s View

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Moving Matters. 4 Comments on Saying Goodbye to the Familiar: A Daughter’s View

Moving is listed right up there as one of life’s most stressful events – and having been witness to my parents’ relocation, I wholeheartedly agree. None of us thought it would be a daunting experience. My parents weren’t hoarders and were simply moving to their already-furnished holiday home, so the planning seemed straightforward. Sounds simple, right? Wrong.

No matter how decluttered you believe your life to be, moving is never straightforward and demands detailed planning. While the larger items were accounted for, it was the little things that took the most time. Here is what I learned in the process:

The Challenge of Letting Go: Sentimental Treasures and a Lifetime of Memories

You’d be surprised at how much you can accumulate over the years, even when you think you’re living simply. My seemingly uncluttered parents had shelves overflowing with outdated medical textbooks, endless photo albums, and keepsakes like my dad’s graduation and wedding suits. Each item held a memory, a story from the past. My husband couldn’t fathom why, as a non-smoker, I insisted on bringing home the ashtrays that were scattered around the house in my youth. Eventually, he wisely let it go. However, he drew the line when I wanted to pack the enormous puncher I loved using during countless hours of playing school-school. Packing forces ruthless efficiency. Deciding what to keep and what to let go of is a challenging but necessary part of the process. That’s the reality of moving – sometimes, sentimentality, however painful, has to take a backseat.

The Myth of the Helpful Child

I naively thought I could jump in and make decisions, but that plan fell flat pretty quickly. As much as I wanted to help, it was really up to my mom to face each item, revisit their memories, and decide whether to keep, let go or rehome them. My job was to support her, not take control.

Planning is Key: A Lesson Learned (the Hard Way)

Hindsight is 20/20. Here’s what I wish we’d done differently: planned ahead. Discussing what to keep, donate, or sell well before the moving date would’ve saved a lot of stress. We ended up with limited time, leading to a whirlwind of last-minute decisions. “Donate to Hospice” piles grew rapidly, but we could have sold more with better planning and more time.

Saying Goodbye: Leaving Hometown Roots

Sure, my parents were moving to a beautiful seaside haven, but leaving the town they’d called home for decades was a wrenching experience. Vereeniging, or “VTown” as it’s affectionately known, had been their home for their entire married life. My father practised there as a GP and my mother as a psychologist. Their three daughters were born there, and it was even where I met and married my husband. Our roots run deep, and saying goodbye to the familiar was incredibly hard.

Perhaps the most emotional moment for my mom was when Lizzie, who had worked for our family for over 50 years, came to say goodbye to my parents. These goodbyes made the move seem that much more difficult.

Embrace the Help (Yes, Even When You Think You Don’t Need It)

In hindsight, getting professional help would’ve been a lifesaver. The emotional weight of going through a lifetime of belongings was overwhelming. We also realised the benefit of having experts who specialise in decluttering and facilitating the sale of items. The medical textbooks were a prime example. We thought about donating them to a medical library but fortunately, a doctor friend visited to say goodbye, saw the books, and showed interest. It was comforting to know that these symbols of my father’s love for his profession wouldn’t just end up in a landfill.

The Underestimated Physical Toll

Don’t underestimate the physical toll of moving, either. In the days leading up to the move, my mom’s fitness tracker clocked an average of 16,000 steps a day – and that’s not including the lifting, sorting, and manoeuvring.

On a more positive note, my parents have now settled into their home, surrounded only by physical things that really mattered. It’s a beautiful and inspiring new beginning.

Don’t sweat the big goals!

Written by Kim Potgieter on . Posted in Health, Kim's Blogs. 1 Comment on Don’t sweat the big goals!

Small Habits – Big Impact

I just crossed the finish line at my second Two Oceans Half Marathon! It may seem like a small victory, but it’s a big win for me and one that I celebrate proudly. Running a marathon was never really my main goal – but exercise and fitness have always been important to me. Don’t misunderstand me; when I first started running, it didn’t go exactly as planned. It’s tough getting up early mornings, and it’s much easier to hit the snooze button, especially on cold winter mornings or lazy weekends.

James Clear’s book Atomic Habits profoundly impacted my life, and his words deeply resonated with me:

“If you want to predict where you’ll end up in life, all you have to do is follow the curve of tiny gains or tiny losses and see how your daily choices will compound ten or twenty years down the line.”

So, I followed James Clear’s advice to cultivate smaller, achievable habits rather than pursuing big, audacious goals. Instead of setting out to run a marathon, I focused on tiny gains (consistent, small habits) and became a habitual runner. And the best part is that habits become part of your lifestyle over time.

I truly believe that the only way to look back at your life without regret is to align your time with what’s most important to you. So firstly, know where you want to go, and then make sure that your actions, decisions, and the time you spend on them allow you to achieve that goal.

Too often, we convince ourselves that big success requires big actions. But success is the product of small, repeated actions or habits – no matter what your dreams are, you can achieve them with the right habits. It’s the same principles I teach my midlife clients about investing: accumulating wealth is not a skill; it’s a habit. If you persevere, consistently save, and live below your means, you can cultivate the right habits to build wealth.

Reflect for a moment on the path of your life and where your daily actions are leading you. What you don’t want is to look back and wish you’d spent more time doing the things you love. When you decide what’s most important in your life, you can start making small daily changes to ensure you align your time without regrets. It’s the tiny steps you take that will eventually change everything!

Once I established a consistent routine around my health and fitness goals, it opened the door to stacking other important goals – like learning and travelling. I am busy planning to participate in the Berlin Marathon in September. It’s quite a stretch, seeing that I’ve only run 21km races so far (I really have to up my game to run this 42km marathon), but this isn’t just about the run. It’s about combining my broader intentions of travelling and learning with destination runs.

Let every tiny step be a celebration of moving closer to the life you envision.

OUTLIVE by Dr Peter Attia

Written by Pat Blamire on . Posted in Chartered Library, Health, Resources. No Comments on OUTLIVE by Dr Peter Attia

“Outlive – the Science and Art of Longevity” is a compelling exploration of longevity, health, and the science behind ageing gracefully. Dr Attia draws upon his extensive experience in medicine and research to provide readers with practical insights and strategies for extending lifespan while maintaining optimal health.

He talks about the Four Horsemen, being the four main chronic diseases that afflict us as we get older: heart disease, cancer, diabetes and Alzheimer’s disease. In trying to live longer, and live better for longer, he maintains that we need to step in sooner rather than later to try and stop the Horsemen in their tracks.

The objective is not to live to 120 or 150, but rather to start thinking about our later years now and taking action to improve the quality of these years.

Dr Attia delves into the underlying mechanisms of ageing and covers topics such as genetics, diet, exercise, sleep, and mental well-being. He has tried to simplify complicated subjects to enable the layman to understand them. He does not offer quick-fix solutions or gimmicky trends and does not believe there is a one-size-fits-all; longevity requires a personalised approach. He discusses the importance of nutrition and exercise, encouraging readers to take a proactive role in optimising their well-being.

There is no “magic pill” that he comes up with. He maintains that the most potent longevity drug is exercise. No other intervention does nearly as much to prolong our lifespan and preserve our cognitive and physical function. However, he believes that most people do not do nearly enough of this.

Overall, “Outlive” is a thought-provoking and informative book for anyone interested in maximising their lifespan and improving their quality of life. It empowers readers to make informed choices that align with their unique needs and goals and offers a roadmap for achieving longevity and vitality well into old age.

A copy of Dr Peter Attia’s “Outlive” is available for short-term loan from the Chartered client library.

Finding Purpose on the Beach: My Life-Changing Journey with SMART

Written by Clients in Action on . Posted in Client Story, Give Back. 1 Comment on Finding Purpose on the Beach: My Life-Changing Journey with SMART

My journey with SMART (Stranded Marine Animal Rescue Team) began after our retirement and move to Mossel Bay. This non-profit, established in 2015, rescues stranded marine mammals and turtles. Our role is to respond quickly to animals on beaches, prioritising their well-being.

While Cape Fur Seals basking on rocks is normal, pups washed ashore during storms need our help. When pup strandings are reported, the SMART teams immediately respond so that the pups can be picked up and taken to a place of safety. We reunite them with their island home as soon as possible. Sadly, three sick Sub Antarctic Seal Pups we found resting last year didn’t survive.

Similarly, dolphins, whales, and turtles on beaches are unnatural occurrences requiring our immediate response. For live animals, we keep them safe, educate onlookers, and ensure they aren’t touched or fed. Resting animals don’t need water or covering! Injured animals are evaluated by a vet for possible treatment. SMART even supports global research by collecting data from stranded or deceased animals.

We believe ocean education starts young. SMART educates children through school visits with Sammy, our entertaining turtle mascot. Dressing up as Sammy also provides us with many giggles trying to get in and out of the costume!

Joining SMART fulfilled the “give back” section of my Bucket Wheel® and has enriched my life beyond measure. It has given me a renewed sense of purpose, and the best part is that I get to learn, play, and work in the most incredible office ever – the beach!

Granting Ourselves the Grace of Self-Permission

Written by Lyndsay Barr on . Posted in Purpose, Resources. No Comments on Granting Ourselves the Grace of Self-Permission

Inspired by Kim’s blog.

The Permission Slip Exercise

We all harbour thoughts, ideas, or beliefs that hold us back. Ask yourself:

  • What are the qualities, thoughts, or inner voices you need to banish?
  • What new beliefs and qualities can you focus on to allow yourself to thrive?

Answer these questions and jot down the limiting beliefs to banish alongside the ones to embrace.

Examples of Self-Permission

Granting ourselves permission takes many shapes; here are a few examples to explore:

  • Permission to Say No: It’s okay to decline requests that don’t align with your values or current priorities. Permit yourself to prioritise your own needs.
  • Permission to Rest: Prioritise your well-being! Grant yourself permission to recharge without feeling guilty.
  • Permission to Celebrate: Celebrate moments and achievements, whether big or small.
  • Permission to Change Your Mind: We’re constantly evolving. Give yourself the flexibility to change your opinions or plans as you gain new insights or experiences. It’s okay to pivot when necessary.
  • Permission to Pursue Passion: Make time for activities that bring you joy, even if they don’t seem practical.
  • Permission to Disconnect: In our hyper-connected world, grant yourself permission to unplug from technology to reconnect with yourself and your surroundings.
  • Permission to Ask for Help: You don’t have to do everything alone. Allow yourself to seek support when you need it.
  • Permission to Prioritise Self-Care: Make your physical, mental, and emotional health a priority. Grant yourself permission to invest in self-care practices that nourish and rejuvenate you.
  • Permission to Set Boundaries: Give yourself permission to set boundaries that protect your time, energy, and emotional well-being.
  • Permission to Just Be: Sometimes, we just need permission to exist peacefully in the present moment without striving or needing to achieve anything. Give yourself space to breathe, be comfortable in your own skin, and simply “be.”

Sticky Note Reminders

Writing your permission slips on sticky notes and placing them on your mirror, fridge, or above your desk serves as potent reminders and often helps silence the inner critic.

Your Turn

So, what are you going to give yourself permission to do this year? Share your permission slip ideas in the comments below.

The Freedom to Be … with permission, of course

Written by Kim Potgieter on . Posted in Kim's Blogs, Purpose. No Comments on The Freedom to Be … with permission, of course

Have you ever found yourself standing on the edge of a decision, just waiting for someone to say it’s ok before you take the plunge? To give you the approval for what you’d like to do? Or stop yourself from doing something because it feels unfamiliar? You’re not alone. It’s human nature. We all hold ourselves back sometimes.

But what if the only permission slip you truly need is from yourself? Why not write yourself a ‘permission slip’ and give yourself the freedom – and permission – to feel, behave, and live exactly as you want to? Within reason (and your spending plan), of course…

Brené Brown uses the term’ permission slips’ as a way to allow yourself to feel (or do something) that might be out of your comfort zone or that’s new to you. It’s similar to the ones we, as parents, received from school, allowing our children to go on school outings. Last week, I was immersed in the Learning to Love Midlife workshop presented by Chip Conley at the Elder Academy. I was completely taken aback when a ‘learning to surf’ activity was suggested! I’m 55 and have never surfed before! Why try now? My initial response was quickly followed by another voice: what if I hurt myself? And then, “What if I can’t do it – and embarrass myself?”

What I really needed to do was give myself permission not to think about everything that could possibly go wrong but rather to focus my energy on thinking how cool it would be to actually feel what it’s like to surf, to try something new, and to expand myself instead of limiting what could be possible.

So yes! I surfed! Loved it and even managed to stand on the board and ride a wave! Of course, I had an instructor who helped me each step of the way – and in all honesty, the wave was very small! But I surfed in Mexico; more than that, it’s given me the confidence to try new things.

Sometimes, we hold ourselves back, waiting for permission, or do things just to gain approval. Other times, we avoid doing them completely for fear of disappointing someone close to us. This behavioural pattern often plays out within our closest relationships. Asking for permission can also become a convenient excuse – “We would have loved to, but our children advised us against it.” Deep down, we’re actually just looking for a reason not to.

It seems that at Chartered, we’ve become quite the go-to when it comes to tricky financial requests from the family. Next time the question of lending money to your adult children comes up, have your answer ready: ‘Sorry, we’d love to help, but Kim and Jason looked at the numbers and advised us not to.’ And yes, when it’s time to treat yourself and go on that trip, count on us to cheer you on: “Of course, financially, you are absolutely able to take that trip!”

As we promise to give ourselves permission to try new experiences, it’s important to consider the impact on our financial planning. Sometimes, we all need objective advice, especially regarding our money and financial security. Your Planning Specialist knows exactly how your actions will impact your planning and will always be available to give you objective advice and guidance without compromising your financial wellness – ensuring that your money is aligned with your life.

Review of To Walk It Is To See It by Kathy Elkind

Written by Karen Wilson on . Posted in Chartered Library, Purpose, Resources. No Comments on Review of To Walk It Is To See It by Kathy Elkind

(1 Couple, 98 Days, 1400 Miles on Europe’s GR5)
Reviewed by Karen Wilson

After American Kathy Elkind and her husband Jim moved to Vermont and became empty nesters, they decided to plan a grand walking adventure. In her late fifties and moderately fit, Kathy selected the Grande Randonnée Cinq (GR5) route, starting in Hoek van Holland in The Netherlands and finishing in Nice, France, a distance of 2300 kilometres. Her rationale was that this route would be more refined than rugged, offering a better chance of her making it through to the end!

The official trail winds through Europe’s Vosges, Jura and the Alps mountain ranges, so it is not just a leisurely stroll. On longer days, they walked up to 37 km, overnighting in gîtes (simple country lodgings for travellers) or occasionally a hotel as a treat and a chance to rest up in comfort. At times, kind strangers stepped in to find them somewhere to sleep. Along the way, they befriended different local walkers for the brief time that they had a path and destination in common.

Kathy’s richly descriptive writing invites you along for the walk. She brings the scenery, villages, and walking conditions to life and shares her highs and lows as the three-month trek unfolds.

For Kathy, walking the GR5 was also a journey of introspection and discovering who she was as she approached her sixth decade. She looks back on her struggles with dyslexia (that she became a teacher and wrote this book is a huge achievement) and comfort eating, and reflects on her 28-year marriage – did she marry Jim for the right reasons, and how compatible are they, particularly as they enter a new phase of their lives? Seemingly, both she and Jim came away with more clarity and connection, thanks to that Alpine air!

It is an enjoyable read that may inspire sedentary individuals to rush out and buy their first pair of sturdy walking shoes.

A copy of To Walk It Is To See It by Kathy Elkind is available in the Chartered client library for short-term loan.

Riding into a New Life: From Jozi to George

Written by Clients in Action on . Posted in Client Story, Play. No Comments on Riding into a New Life: From Jozi to George

Dreaming of escaping the Johannesburg hustle for open roads and scenic vistas, Chartered clients Huida and Granville set out on a motorcycle trip with a twist: Granville had a secret agenda – to scout potential semigration destinations. Little did they know, George would capture their hearts with its charm, natural beauty, and a hidden gem of a house waiting to be discovered.

Their initial odyssey wound through towns like Prince Albert and Tulbagh, each offering unique flavours of life. While Port Owen’s remoteness didn’t resonate, Gordons Bay, a place they loved, didn’t offer any houses that suited them. Montagu’s historical allure tempted them, but having a Woolworths within a 5km radius remained a dealbreaker for Huida.

Reaching George, they met up with friends who had already made the leap, and their glowing experiences about George ignited a spark. The town’s clean, friendly atmosphere left a positive impression. But the true magic unfolded on a breathtaking motorbike ride up Outeniqua Pass. Lush valleys, ancient forests, and panoramic vistas unfolded with each turn, sealing their desire for a change.

Back in Johannesburg, the “what if?” echoed. Inspired by a vision of their ideal home and a couple they met on their travels encouraging a “just do it!” attitude, they took on the challenge. The search for their perfect George haven began.

Despite initial hiccups – a damp property and limited options – they persevered. A serendipitous discovery led them to a magnificent house in Welgelegen Estate, ticking all the boxes, even the motorbike-friendly location.

With an accepted offer and their Johannesburg house sold, their semigration dream materialised. Moving in November 2022, the timing was perfect. Today, nestled in their haven, they’ve embraced the George lifestyle, made new friends, and explored the Garden Route’s wonders.

Their journey is a testament to open hearts, serendipity, and the courage to take a leap of faith, proving that sometimes, the best destinations are discovered on two wheels and with an open mind.

Conversation Starters: Are You Avoiding ‘The Talk’ About End-of-Life Plans?

Written by Lyndsay Barr on . Posted in Estate Planning, Resources. No Comments on Conversation Starters: Are You Avoiding ‘The Talk’ About End-of-Life Plans?

For many families, the mere thought of discussing end-of-life plans sends shivers down their spines. Laden with anxieties and unspoken worries, these conversations often get pushed aside, creating an even heavier burden down the line. Parents might grapple with a mix of emotions – fear, anxiety, even guilt at needing support or burdening their children. Children, in turn, may worry about upsetting their parents by raising the topic. But here’s the truth: discussing end-of-life plans isn’t a morbid exercise; it’s a gift of clarity and peace of mind for everyone involved.

Let’s explore the contrasting stories of two clients and the valuable lessons they offer.

Client A: Open Dialogue

Sarah and her parents have had open conversations about their wishes for the future. Legal documents are in order, care preferences shared, and even funeral plans discussed. This transparency eliminates last-minute scrambling, eases anxieties, and, most importantly, allows Sarah to cherish each present moment with her parents, free from the weight of unknowns.

Client B: Uncertainty Across Continents

Now, consider Emily’s situation. Her attempts to initiate similar conversations with her parents, living miles away, have felt like pushing against a wall. Despite numerous efforts, the discussions haven’t led to concrete plans or answers to her pressing questions. Unanswered questions linger: Who makes decisions if one parent passes? What are their preferences for care and final wishes? Though named executor, Emily grapples with future logistical hurdles: time zones, legal complexities, and unfamiliar systems. These uncertainties amplify her worries.

While Sarah and Emily’s situations differ, they both highlight the critical role of open communication. Talking now, not later, is the key to avoiding future stress and confusion. Having conversations now provides clarity and reduces future anxieties. Open communication ensures your loved ones’ desires are understood and respected.

Starting the Conversation

Remember, this doesn’t have to be a single, daunting discussion. Take it one step at a time:

  • Begin with shared values: Start with broader questions about their priorities and future aspirations. What matters most to them? What legacy do they wish to leave?
  • Focus on present concerns: Talk about their current preferences for healthcare and living arrangements. This establishes a foundation for future discussions.
  • Listen actively and validate feelings: This is a collaborative effort, not an interrogation. Acknowledge their emotions without judgment.
  • Respect their pace: Understand that these conversations may take time and emotional processing. Be patient and supportive, creating a safe space for open dialogue.
  • Frame it positively: View the conversation as an act of love and preparation, ensuring a smoother transition for everyone.

Talking about mortality isn’t easy, but avoiding it carries a heavier cost. Remember, a little courage and open communication goes a long way. As Brene Brown reminds us, courage is not about daring to jump off a cliff. It’s about having tough conversations about our lives and relationships, showing up when we’re afraid, and doing hard things that matter.

Additional reading: The Importance of a Legacy Folder

REVIEW of “The Lost Art of Dying – Reviving Forgotten Wisdom” by L.S. Dugdale, MD

Written by Karen Wilson on . Posted in Chartered Library, Purpose, Resources. No Comments on REVIEW of “The Lost Art of Dying – Reviving Forgotten Wisdom” by L.S. Dugdale, MD

Dying is a subject that many of us skirt around, finding it morbid and unsettling, especially when it concerns ourselves or close family and friends. Lydia Dugdale, Associate Professor of Medicine and director of the Center for Clinical Medical Ethics at Colombia University, is an internal medicine primary care doctor who believes that our approach and attitude to dying have changed to our detriment in the modern world.

Dugdale was inspired to write her book after coming across literature originating in the 15th century. The genre was known as ars moriendi (the art of dying) – a handbook for dying well, to be learned while still in good health, in an era when average human lifespans were relatively short. She concluded that we no longer anticipate and prepare well for our mortality for various reasons. She attributes this partly to advances in medical technology and facilities since the early 20th century, which enable us to distance ourselves from death. We are now also inclined to view medical interventions and hospitalisation as a tool to stave off death, even under the direst circumstances. She deems that sometimes such interventions aren’t beneficial and can add to the suffering of the dying.

Some of the topics she covers are finitude (accepting that there are limits to human life), community (staying connected to and supported by others throughout life and at the end of life), hospital vs home (understanding when hospitalisation and/or resuscitation may not be the best choice) and confronting fear of death and degeneration. Whilst the book is not intended to be religious, she also examines the role of spirituality and ritual in preparing for and navigating death.

The author draws on her own experiences, both negative and positive, with frail and terminally ill patients and shares other stories and trends that lend credence to her views. She encourages people to practice patience, hope, humility, faith, and less attachment to material things during their lives as a way of preparing themselves for the eventual end of life – and she asserts early in the book that “The art of dying well starts with the art of living well”!

A copy of “The Lost Art of Dying – Reviving Forgotten Wisdom” by L.S. Dugdale, MD is available in our Chartered client library for short-term loan.

Chartered’s Year in Review: Making a Difference Through Give Back Initiatives

Written by Lyndsay Barr on . Posted in Give Back, Resources. No Comments on Chartered’s Year in Review: Making a Difference Through Give Back Initiatives

Give back is one of the key components of the Wheel of Balance. It’s important to note that giving back goes beyond charity work; it’s about making a positive impact and establishing a lasting legacy. This can take various forms, including volunteering, mentoring, or supporting causes that align with your values. At Chartered, we strongly believe in giving back, not just during retirement but throughout our lives. That’s why we promote integrating giving back into the lives of our clients and staff. We provide numerous opportunities throughout the year for staff members to participate in give back activities.

This year, we partnered with the Sunshine Association, an organisation dedicated to supporting children with intellectual, developmental, and physical disabilities, as well as their families and communities. The organisation offers a wide range of services, including early intervention, therapy, training, and support groups.

Our initial project involved establishing a thriving vegetable garden that helps provide food for the children and their families. Following this, we designed and constructed a sensory garden for the children. Sensory gardens offer many benefits for children with intellectual, developmental, and physical disabilities, including sensory stimulation, motor development, cognitive enhancement, social and emotional growth, relaxation, and stress reduction. The sensory garden has been a tremendous success, and the children thoroughly enjoy exploring it. Finally, we sanded and painted the jungle gym in the playground.

Some of our staff members spent a wonderful afternoon at the Johannesburg Children’s Home, where they painted the pool fence. The Johannesburg Children’s Home provides a safe haven for up to 64 children who have been deemed in need of care by the Children’s Court. JCH cares for Orphans and Vulnerable Children who have been identified as disadvantaged due to physical, sexual, or emotional abuse, severe neglect, or abandonment.

In our Cape Town office, the giving-back initiative took the form of creating Santa Shoe Boxes. The Santa Shoebox Project is an organisation that collects and distributes personalised gifts consisting of essential items and treats for underprivileged children across South Africa and Namibia. Each year, the project aims to bring joy to over 150,000 children in need.

Meanwhile, staff from our Eastern Cape office assembled care packs for Vistarus Mission Station, an organisation that provides a safe haven for impoverished, homeless, and addicted individuals, with the goal of reintegrating them into society.

These give back initiatives served as a reminder of the profound difference we can make in the lives of others, demonstrating that even the smallest acts of kindness can have a ripple effect, creating a more compassionate and connected community.

Are you involved in any give back initiatives? If so, please get in touch, as we would love to share your story.

Transforming Zoo Lake One Clean-Up at a Time

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Zoo Lake, a cherished oasis in Johannesburg, owes its origin to banker and mining magnate Herman Eckstein. In the late 19th century, Eckstein envisioned a lush city oasis, initially naming it Sachsenwald after Otto von Bismarck’s estate. After his death, his partners donated land to the Johannesburg City Council in 1904, leading to the creation of Herman Eckstein Park and a zoo. In 1906, an artificial lake, aptly named Zoo Lake, was added, becoming its centrepiece. The Coronation Fountain was added in 1937 to honour King George VI and Queen Elizabeth’s coronation and remains a famous landmark of Johannesburg.

Over the years, Zoo Lake has evolved into a vibrant hub for community gatherings, sporting events, and cultural celebrations. Its sprawling lawns provide ample space for picnics. In recent years, Zoo Lake has faced the challenge of litter, a common issue in many public spaces.

Stuart Norman, a Chartered client, has lived in Parkview for 17 years. Like many residents, his busy life prevented him from doing more than just using the park for recreational walks and bike rides.

One day recently, while walking around Zoo Lake, Stuart was struck by the amount of litter everywhere. Stuart had an idea and was determined to make a difference. He had been so impressed by the cleanliness of Rwanda on a recent trip, and he was convinced that if Rwanda could be cleaned up after its turbulent history, surely Zoo Lake could be cleaned up too.

Stuart’s initiative took flight when he reached out to a residents’ group, inquiring about the availability of a skip for an upcoming clean-up effort he had planned. The response was overwhelmingly positive, prompting him to establish a dedicated WhatsApp group exclusively for residents eager to rejuvenate Zoo Lake. Stuart then forged a partnership with the Zoo Lake Users Committee, setting the wheels in motion for their inaugural clean-up event.

The event was a success, with 13 paid staff and four volunteers participating. They filled 155 bags of rubbish, waste and glass. The second clean-up was even larger and more successful, collecting 210 bags of litter. It’s important to note that these clean-ups are not focused solely on picking up the litter left behind, as the council already employs staff for this purpose. Rather, the emphasis lies on revitalising the general area, the lawns and the lake itself. To clean the lake, volunteers are equipped with pool nets, allowing them to retrieve discarded bottles and plastic from the water.

Stuart has managed to raise R19,000 in donations to date, and local businesses have stepped in to help. The money raised is used to provide lunch and refreshments for staff and volunteers, buy equipment needed and pay the staff hired to help with the clean-up. Several of the individuals employed to clean the lake reside in nearby shelters and appreciate an extra day of work and pay.

Stuart is committed to making Zoo Lake a clean and beautiful place for everyone to enjoy. He believes that the key to sustainability is to have a long-term strategy. Stuart’s vision extends to involving all the suburbs around Zoo Lake, mirroring the successful approach that transformed Central Park into the beloved destination it is today. You can’t help feeling inspired by Stuart’s story as it really proves that change begins with you and that you need to be the change you want to see in the world.

Spotlight on San Sereno

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Resources. 1 Comment on Spotlight on San Sereno

Nestled amidst the tranquil surroundings of Bryanston, Johannesburg, lies San Sereno, an idyllic haven for people seeking a vibrant and fulfilling lifestyle. San Sereno was acquired in 2017 by Auria Senior Living, a company focused on setting a new gold standard in senior living and care and providing the best quality of life to their residents. This award-winning retirement village offers a harmonious blend of sophisticated living, personalised care, and a wealth of amenities, catering to the diverse needs of its residents.

San Sereno’s elegant apartments and villas provide a sense of spaciousness and comfort, each meticulously designed to foster a warm and inviting atmosphere. Residents can choose from a variety of layouts, ranging from cosy one-bedroom units to spacious villas, all equipped with modern conveniences and tasteful finishes. For residents who require some help daily, their Assisted Living Suites provide a welcoming living environment where their Care Team are always close at hand, ready to assist as and when required.

Residents have a variety of services at their disposal. They provide an array of daily services that cater to their every need. On-demand services include laundry, housekeeping, golf cart shuttle, concierge, and round-the-clock emergency response.

Air-conditioned cinemas, fascinating talks, inspiring cultural and social events and entertainment are just a few of the many social events. Residents have access to a state-of-the-art wellness centre, gym, heated swimming pool, as well as a wide range of activities such as strength and balance classes, aqua aerobics, cardio workouts, Pilates and yoga. Biokineticists, physiotherapists, sought-after geriatricians, audiologists, optometrists, podiatrists and more are available to all residents.

San Sereno operates on a Life Rights model. You pay an upfront amount, which secures the right for you to occupy and enjoy your unit for the remainder of your life/lives. During this time, a monthly levy is payable to fund general operating and common area maintenance costs. This levy allows Auria Senior Living to take care of community management, maintenance, security and the provision of services in the senior living community.

Click here to read more

Meet San Sereno Resident– Vicky Lavagna-Slater

Vicky moved to San Sereno in May 2022 after having called Vanderbijlpark home for many years. Her husband had passed away, and she craved companionship. She particularly appreciates the friendly residents and staff, as well as the property itself, particularly the meticulously maintained gardens by the dedicated staff and residents alike.

Vicky has an active social life at San Sereno and plays bowls regularly, a pastime that has brought her immense joy and well-being. She also makes use of the heated pool to do aqua aerobics classes and enjoys a vibrant social calendar filled with art classes, bingo nights, and social gatherings organised by San Sereno.

Vicky describes San Sereno as a happy place where conveniences are close at hand, like a coffee shop, hairdresser, restaurant, and cinema. Adding to its charm is its prime location, making shopping excursions to Nicolway, Sandton City, or Fourways Mall hassle-free.

Vicky highly recommends San Sereno for anyone seeking a secure, welcoming, and impeccably managed community to call home.

Beyond wrapping paper, The presence and the past

Beyond the wrapping paper
The Present of Presence

Written by Kim Potgieter on . Posted in Give Back, Kim's Blogs. 1 Comment on

Beyond the wrapping paper
The Present of Presence

It’s November, and the holiday season is just around the corner – another year gone by in the blink of an eye. It’s been a whirlwind year, and I am slightly apprehensive about the possibility of getting lost in the fluster of holiday shopping and the quest for the perfect gift. Don’t get me wrong, I absolutely love shopping and find no greater joy than spoiling my special people with beautifully wrapped presents. But what if the most precious gift we can offer can’t be wrapped? What if the true essence of giving lies in something far more valuable than a tangible gift – our presence.

We’ve had a wonderful year together as you joined me in embracing the present moment, stepping out of our comfort zones and going on many first-time, brand-new adventures! It’s been an absolute privilege sharing all my new experiences with you, and I loved hearing all your stories of new roads travelled, slow and easy excursions venturing into undiscovered places, moving to new homes, cities and provinces, and forgotten hopes and dreams turning into realities.

As we wrap up this year, I have one final challenge for you and myself: to prioritise ‘Presence over Presents.’

This year has taught me that the moments we share hold more value than the things we own and the dreams we accumulate. But creating these memories can be challenging as it calls for the most personal of gifts – our time. Something we often don’t always have enough of. And this is the hard part – and certainly one of my most significant challenges: giving my time and being fully present with the people I love while juggling a busy schedule.

So, let’s promise to try our best to give ourselves – and others – the gift of time and presence this holiday season. I am very excited about a two-week beach holiday with my family and friends, spending uninterrupted time with them and spoiling all my special people with delicious meals. This is my chance to make up for all the moments missed and create new memories.

Just in case you need more ideas: Why not invite your best friend for a delicious dinner instead of buying a gift? Spend the evening fully engaged, actively listening, and giving them your full attention. Or dedicate one device-free hour every evening for family time or self-reflection. Spend an afternoon helping at your favourite charity or schedule activities with your loved ones that you know they would love. If your granddaughter loves art, why not do pottery with her? Or arrange a movie and ice cream day with a grandson … build a bonfire and roast marshmallows. Write a heartfelt letter to someone you love or take a long walk with a family member.

Rick Warren, author of The Purpose Driven Life rightfully says: “Time is your most precious gift because you only have a set amount of it… When you give someone your time, you are giving them a portion of your life that you’ll never get back.”

Let’s embrace the true gift of connection, shared experiences and each other’s presence this festive season. Wishing you a wonderful holiday filled with joyous moments and the present of presence.

Review of FINDING ME by Viola Davis

Written by Karen Wilson on . Posted in Chartered Library, Purpose, Resources. No Comments on Review of FINDING ME by Viola Davis

Viola Davis would probably not be the first name that comes to mind for most people if asked to specify an award-winning actress. My only acquaintance with her work was a random discovery of the TV series How to Get Away with Murder when it was screened on eTV a few years ago. Something about the gritty legal thriller and its imposing female lead had me engrossed.

Since reading her 2022 autobiography, I now know that Viola Davis has won all the prestigious performance awards – the Tony, an Emmy, an Oscar, as well as a recent Grammy for the audio narration of her memoir; to date, only 18 actors have achieved all four and earned the distinction of becoming an “EGOT”. She is also a graduate of the Juilliard School’s 4-year drama programme, although she felt that she didn’t really fit into the euro-centric training. That’s a truly impressive list of accomplishments, but reading her story leaves you in awe of what she had to overcome and how hard she worked to reach the pinnacle of her craft and a place of self-love.

Viola was born into poverty in the US and grew up as one of six children in a home where alcohol abuse and domestic violence were her backdrop. She describes rat-infested living conditions in buildings that were fire hazards, no heating or hot water in bitterly cold winters, and regular hunger. As a child, her dark skin and chronic bed-wetting added to her torment. Fortunately, there have been a few guiding lights in her life: her oldest sister loved school and encouraged Viola to learn and work towards something better, a teacher and a counsellor urged her to enter an arts talent competition as a teenager, there were friends and mentors as she pursued her acting career, and (after a friend told her to get down on her knees and pray for the kind of man she wanted) her husband of the past 20 years.

In her book, Viola shares her long, gruelling journey to success and self-acceptance, including therapy in later years as she struggled to embrace the traumatised child she had been and to see herself as worthy.

A copy of FINDING ME by Viola Davis is available in the Chartered Client Library for short-term loan.

From Priest to Painter – Gill’s journey

Written by Clients in Action on . Posted in Client Story, Purpose. 2 Comments on From Priest to Painter – Gill’s journey

After being diagnosed with Parkinson’s disease, Chartered client and former priest, Gill Bowman, discovered a new purpose in art. She had always been passionate about art, even studying it after matric, but her faith and community work took precedence. When she was put on disability leave due to her diagnosis, she realised it was time to rekindle her passion for art.

During a life planning session at Chartered, Gill realised how much she wanted to get back into art. She started doing mandalas and found the process both meditative and healing, describing it as getting the thoughts in her head out onto paper. During lockdown, Gill took online courses from the Learn to Paint Academy and the ETCHR Studio, as well as motivational courses from Jessica Serran.

Gill primarily works with acrylics, occasionally dabbling in watercolours. She soon began selling her art and displaying it at local galleries, spending up to six hours a day in her studio creating her paintings. In December this year, Gill will exhibit her work at “Art on the Veranda” in Bushman’s River. She has also been invited to showcase her art at the prestigious Grahamstown National Arts Festival in 2024.

Gill has turned her art into a new side hustle and also finds it beneficial in managing Parkinson’s symptoms. She says that painting helps to calm her hands and body, as well as her overall anxiety.

Roy, her husband, has been a great supporter of her journey in the world of art. He helps with the framing and other tasks, and she fondly refers to him as her assistant.

When asked about her new purpose in life, Gill said that she had two choices when her purpose as a priest was taken away by Parkinson’s; she realised she could either choose the tomb and see this as the end of her life – or choose the womb, an opportunity to start a new one. Her choice is obvious.

Gill’s story is an inspiration to us all. It shows that we can always find new purpose and meaning in life, even when faced with seemingly insurmountable challenges.

To see Gill’s art, you can follow her on Instagram or Facebook.

The Never-Ending Journey of Learning

Written by Lyndsay Barr on . Posted in Learn, Resources. 1 Comment on The Never-Ending Journey of Learning

At Retire Successfully, we believe that lifelong learning is essential for a fulfilling retirement. Life is a tapestry of many threads; neglecting one can unravel the others. That’s why we’ve identified eight essential elements that weave together a balanced and meaningful retirement: work, give back, relationships, money, learning, health, purpose, and play. This month, we’re focusing on the “learn” element.

What is Lifelong Learning?

Lifelong learning is the continuous pursuit of knowledge and skills throughout one’s life. It is driven by a desire to grow and develop personally and professionally. Lifelong learning can take many forms, including formal education (such as attending college or university), non-formal education (such as taking online courses or workshops), and informal learning (such as reading books, watching documentaries, or engaging in conversations with experts).

The Benefits of Lifelong Learning

The benefits of lifelong learning are far-reaching – it keeps the mind active and engaged, which can help protect cognitive function and reduce the risk of dementia in later life. Learning new things can be an enriching experience, giving people a sense of accomplishment and purpose and helping them live more fulfilling lives. A wonderful added benefit is that continuous learning creates new opportunities for people to connect with others with the same interests.

Lifelong Learner: Meet Stephen Marcus Finn

Chartered client Stephen Marcus Finn is the epitome of a lifelong learner. Although Stephen, who’ll turn 75 next month, has a Master’s in English and a doctorate in Communication, he insists – and persists – in studying further – all the time.

In his mid-sixties, he returned to the piano to do his Grade 8 (the highest level) practical with the Royal Schools of Music, having to start from Grade 4. He did this in one year and, in the same period, went from Grade 1 to his Grade 8 theory exam, which he passed with distinction.

Six years ago, he completed his third year in Film at the Open Window and was also involved in acting at a private institution.

To celebrate his 70th birthday, Stephen gave a piano recital that included works by vegan composers, including the notoriously difficult Alexander Scriabin.

Three years ago, he obtained his Honours in Drama and Film Studies at the University of Pretoria, specialising in Research, Writing and Directing, and earned his degree with distinction. When he obtained his first Honours degree in English, he was the youngest student in his programme at the university; this time around, his fellow students were young enough to be his grandchildren.

Straight after a double-knee replacement, Stephen started writing an academic book on animal rights, Farmed Animals on Film: A Manifesto for a New Ethic, which took him a year to complete and was published by a major company in the USA. He has currently resumed his passion for writing novels, plays and poetry, but intends to continue (in the next year or two) with studies in … whatever he wants to do.

Stephen’s journey is proof of the endless opportunities for growth and fulfilment through lifelong learning. His story shows that it’s never too late to embark on a path of curiosity, discovery, and self-improvement.

Spotlight on Negester Onrusrivier

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Resources. No Comments on Spotlight on Negester Onrusrivier

Negester Onrusrivier is a lifestyle estate for the over-50s, situated in a tranquil coastal town near Hermanus, Western Cape, South Africa. It offers a range of property options, including full-title homes and sectional-title apartments within the care centre. The estate’s architectural design draws inspiration from Cape Malay houses, Stellenbosch’s Dorp Street, and modern farmhouses.

Residents of Negester Onrusrivier enjoy a range of amenities, including a modern care centre with 50 residential units, a lunchroom, a living room, a small library, a hair salon, and a clinic. The estate also offers different care packages to suit individual needs.

Negester Onrusrivier offers the perfect retirement lifestyle for those seeking a secure and serene environment with easy access to amenities and attractions.

Click here to view their website

Meet Negester Residents Peter and Jackie Mellowship

Peter and Jackie moved to the Negester North Estate in August 2014. Their primary reason for the move was downsizing to a more manageable property. Peter and Jackie were both in their sixties, and their children had all moved away (two of the three to overseas locations) and had their own families. They had a large property all to themselves with only occasional visitors.

Their part of the estate is purely residential, with no medical or care amenities, restaurants or communal facilities. It is a gated complex with 24-hour security and access control.

The bulk of the estate was designed with a 55+ theme featuring smaller, more manageable properties; in their case, their home is on one level, with wheelchair-friendly touches such as easy-access showers.

Socially, Peter and Jackie enjoy occasional lunches and dinner parties hosted by fellow residents at their homes. Having lived in the Hermanus area for 19 years, they most often socialise with friends made over the years rather than just in the estate.
Peter and Jackie have sound advice for others considering moving to an estate: carefully consider the type of facilities you will require in the future. Estates vary widely, ranging from purely gated communities to those providing comprehensive medical and care facilities. They know of several instances in which couples relocated to their estate, only to move once again shortly afterwards, because one partner needed access to medical care facilities. “Before making your decision, ask yourselves those tough questions,” recommend Peter and Jackie.

From rugby fields to empty nests

Written by Kim Potgieter on . Posted in Kim's Blogs, Relationships. No Comments on From rugby fields to empty nests

And the promise to tackle foreboding joy in the scrum of life

I have shared all my first-time, brand-new, and exciting experiences with you every month this year. This month, I am standing on the edge, waiting for a significant change in my life – becoming an empty nester for the first time. My daughter, Gabi, will embrace her next chapter of studying Civil Engineering at Stellenbosch University next year. While I have so many mixed emotions ranging from pride, love and anticipation – to fear, dread and anxiousness, I remind myself to stay focused on the present and enjoy the time we have now, rather than be overwhelmed by the worries of next year.

Have you ever spent so much time worrying about the what ifs that the beautiful, joyous moments of the present pass you by? Do you find yourself constantly worrying about things that haven’t happened yet?

I’m incredibly proud of Gabi’s achievements and her choice to pursue a career in engineering. I love every minute of my time with her. Still, I constantly guard myself not to be overly concerned about everything that could possibly go wrong or pre-empting the dread of an empty home and losing those daily moments with her.

In a wonderful social media post, Brent Lindeque (The Good Things Guy) reminded me of a term called anticipatory grief – when you worry or grieve about things that haven’t happened yet (like many South Africans did 70 minutes into the Springbok-England Rugby World Cup Semi-finals). At the very least, we were all panicking just a little bit! I am convinced that only the bravest of us resisted grieving ahead of schedule!

But rugby aside, Brent makes a good point when he shares that South Africans may be in a constant state of anticipatory grief – waiting for the next corruption scandal, waiting to hear more bad news, waiting for load-shedding, more potholes, inflation, another war … Similarly, the concept foreboding joy, coined by Brené Brown, captures the internal conflict we feel when joy is immediately followed by worry and fear. We end up catastrophising, wasting our time worrying about things that haven’t happened, and in the process, we have no time or space left to embrace the joy and happiness of our present.

I’ve seen how the initial excitement of retirement can be replaced by fears and questions like “What will I do with my life?” or “Will my money last?” and “What if my health fails?” I have spoken to many people whose children are emigrating, and the fear and worry for their future start way before they leave the country. I’ve noticed how fear and worry can deter people from trying new things. It seems we are all constantly worrying, letting the impending fear of loss and change overshadow the potential joy of living in the present moment.

So, how do we move past this cycle of anticipatory grief? The answer, I believe, lies in being present. Embrace each moment fully and focus on gratitude, all the positive aspects of change, and the many new adventures that change will bring.

So, no anticipating grief this Saturday during the World Cup Rugby Final! No foreboding joy allowed! This is the 8th Rugby World Cup tournament that SA is playing; we’ve won the Cup three times and have never lost a final! There’s nothing to worry about.

Review of The Good Life and How to Live It

Lessons from the World’s Longest Study on Happiness by Robert Waldinger and Marc Schulz

Written by Karen Wilson on . Posted in Chartered Library, Relationships, Resources. No Comments on Review of The Good Life and How to Live It

Lessons from the World’s Longest Study on Happiness by Robert Waldinger and Marc Schulz

The authors of this book (published in 2023) are the current programme directors of a Harvard research project that has been ongoing for an impressive 84 years. It has followed the lives of diverse participants, from their early teens through their senior years, incorporating a second generation along the way – all in a quest to deliver what the title of the book promises.

They aren’t, however, promising a shortcut to euphoria, and the authors do clarify that they are referring to eudaimonic happiness, which is “a state of deep well-being in which a person feels that their life has meaning and purpose” despite the inevitable disappointments, trauma and loss that we all experience over a lifetime.

It all comes down to relationships; other studies over the years also back up the data from the Harvard Study, i.e., quality relationships play a pivotal role in supporting our health and happiness. The Harvard Study participants who fared best in terms of happiness had strong relationships and were in better mental and physical shape into their 80s. Quality of and satisfaction with your relationships count and provide ‘armour’ when life delivers hard knocks.

The message is that all relationships – spanning spouses, family, colleagues, and friends – need effort towards embracing openness, offering and asking for support, facing into challenges, taking time to pause and understand emotions and situations better, paying attention (especially to long-term relationships that have shifted into autopilot) and showing genuine curiosity. Even interacting with a stranger can boost mood and open up opportunities. Loss of friends following retirement is quite common, and the authors encourage being purposeful about maintaining and creating social connections as life progresses.

The book provides some mini-Harvard-Study tools to gauge your ‘Social Fitness’ and plot your ‘Social Universe’, as well as a ‘W.I.S.E.R.’ model for dealing with challenging relationship events. Several life stories and comparisons among individuals who have participated in the Harvard project are included and add the human element to the research data.

A copy of The Good Life and How to Live It – Lessons from the World’s Longest Study on Happiness is available for short-term loan from our Chartered Client Library.

Reinventing Retirement – Cheryl and Duncan’s Journey

Written by Clients in Action on . Posted in Client Story, Work. 1 Comment on Reinventing Retirement – Cheryl and Duncan’s Journey

In the serene heart of Eswatini (Swaziland), Chartered Clients Cheryl and Duncan are embracing retirement as a time for rejuvenation and self-discovery. Their story shows how retirement can be a time for reinvention and new possibilities.

Cheryl and Duncan’s backgrounds were as diverse as they were successful. Duncan had spent his career in the meat industry, while Cheryl owned an industrial laundromat. After retiring, they embarked on what they thought would be a leisurely chapter in their lives. However, after just 18 months, they realised that retirement wasn’t about slowing down; it was about finding new avenues for stimulation and growth, so they took over the lease of a coffee shop in a nursery in Malkerns, Swaziland.

Despite working seven days a week and managing six staff members, Cheryl and Duncan love their new venture. Duncan has always loved baking and cooking, so he spends much time creating new recipes and training staff on how to make them. His latest additions to the menu have been well-received by customers.

Cheryl uses her skills honed during her years in the laundry business to manage the back end and bookkeeping. Cheryl and Duncan spend a lot of time mingling with customers, most of whom they know personally since they have lived in Ezulwini, Swaziland, for 32 years.

Despite their full-time commitment to the coffee shop, Cheryl and Duncan recently took a well-deserved break to visit their newborn grandson, Max, in Zimbabwe. This cherished family time was a reminder for them that retirement is about finding a balance between work and life’s other joys.

Cheryl and Duncan are inspiring examples of how to reinvent oneself in retirement. They found something they are passionate about and are now running a successful business. They are actively involved in their community and continue to grow, learn, and contribute to the world around them.

Cheryl and Duncan’s story reminds us that:

  • It’s never too late to reinvent yourself.
  • Find something you’re passionate about and pursue it.
  • Don’t be afraid to take risks.
  • Be active in your community.
  • Enjoy your life!

U3A – A Look Over the Fence

Written by Karen Wilson on . Posted in Learn, Resources. 4 Comments on U3A – A Look Over the Fence

Although I still have two feet in the working world, it seemed like sensible pre-planning to find out what social options lie on the other side of the fence for my next (and not-so-distant) life chapter. And so I joined U3A.

I first heard about the rather quirky-sounding University of the Third Age from my neighbour, a fit and feisty 70-something with whom I do a 5 km walk on Sundays – which gives us a lot of time to talk! She explained that U3A is a worldwide organisation that aims to provide mature people, many retired or semi-retired, a forum for continued learning, interaction, and knowledge exchange; there are around 30 branches in South Africa. She belongs to a smaller branch and, in addition to attending some of their talks, she participates in a photographic interest group and one for birding enthusiasts.

I selected one of the bigger branches – for its proximity to work and on the assumption that bigger would mean better when it comes to monthly talks. Upon arriving to attend my first talk and seeing the busy car park, I did have fleeting second thoughts about making a solo entrance. However, in the foyer, I met a friendly lady also on her own who bought me a “welcome” coffee and chatted to me about her part-time work in education; shortly afterwards, I also bumped into a couple of Chartered clients.

Over the past few months, the topics have included conservation, personal stories, and township economics, all delivered by engaging speakers. There are also various special interest groups that one can join, which cover art, computers, writing, hiking, theatre, history, philosophy and – for the poetic at heart – even Shakespearean sonnets! That’s quite an array of options to keep the brain cells firing and meet new friends.

The annual membership fee ranges from around R80 – R200, and the various branches’ monthly talks are usually held on a Tuesday morning in a community/church hall or auditorium in the respective areas. Membership is branch-specific, but most have a nominal visitor’s charge if you want to attend a talk at a branch other than your own.

While online information about the branches and contact persons is currently sparse, an umbrella website is under construction to list all the South African U3A branches with their essential details. For now, a Google search will bring up limited results for U3A Johannesburg, Johannesburg East, Johannesburg North and Pretoria, as well as Cape Town, George, Plett, East London and Durban if you are keen to join or find out more.

Spotlight on Eastlands Mature Lifestyle Estate

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Resources. No Comments on Spotlight on Eastlands Mature Lifestyle Estate

Eastlands Mature Lifestyle Estate in Benoni North combines luxurious sectional title investment homes with premium wellness, healthcare, and frail care services within a secure and picturesque setting. Geared towards active and self-reliant individuals aged 50 and above, Eastlands offers a valuable asset promising a rewarding lifestyle and long-term financial returns. The Lifestyle Centre prioritises health and fitness with amenities like pools, a gym, and a bowling green, while the Healthcare and Wellness Centre, managed by CareLife, ensures residents’ future healthcare needs are met with a homely touch. Eastlands also provides convenient services such as pet-friendly units, a restaurant, and robust security measures, making it an appealing choice for retirees and property investors alike.

Click here to read more

Meet Eastland residents – Nico and Ellen Martins

Nico and Ellen Martins, residents of Eastlands Mature Lifestyle Estate in Benoni North, moved to this over-50s community in March 2018 after thorough research on retirement choices. They were attracted to the peaceful countryside environment of the estate, as well as its proximity to both the airport and city amenities. The flexibility of choosing from various building plans, ranging from one and two-bedroom units to three and four-bedroom free-standing houses, was another factor in their decision-making process. Nico and Ellen also considered the estate’s comprehensive facilities, including home-based care, health and frail care services, security, home and garden maintenance, and a restaurant.

Before becoming Eastlands residents, Nico and Ellen had spent 31 years in their Glenvista, Johannesburg home, cherishing that period in their life journey. However, recognising the need for lifestyle changes in preparation for the future, they moved to Eastlands. Despite their attachment to their former area, the absence of Mature Lifestyle Centres comparable to Eastlands led them to make the move.

They particularly appreciate the beautifully maintained gardens with ponds and walkways and the convenience of housekeeping, laundry, and gardening maintenance services. The estate’s friendly residents and the opportunity to enjoy walks in the adjacent farming areas are added bonuses. The estate offers a well-established library, a boardroom for business meetings, and a restaurant with an extensive à la carte menu, daily buffet meals, and a bar service. The restaurant also hosts regular functions for entertainment and private resident gatherings.

In terms of their social life within the estate, while they continue to work from home several days a week, Nico and Ellen find comfort in knowing that numerous social activities are available when they choose to partake. They often go on motorcycle rides with a small group and frequently organise dinner gatherings with their close friends from the estate at the restaurant.

The estate offers a wide range of activities, including bowls, table tennis, bingo, quiz nights, card games, and fitness classes. There are also opportunities for gardening and crafting, including a hobby room for sewing, knitting, and crafting enthusiasts. When time allows, Ellen enjoys attending the Courage Girls, who arrange coffee mornings and host interesting speakers.

When asked if they had any additional insights to offer, they recommended that anyone contemplating a move to Eastlands should start by visiting the estate and enjoying a meal at the restaurant. For them, living in the countryside is a blessing, although shopping centres may be a bit farther away. However, the estate offers a weekly shuttle service to a shopping mall and an airport drop-off service. Eastlands is ready for possible water issues with large water tanks, and the Lifestyle Centre is not affected by loadshedding as it has its own generator and solar power.

Age ain’t nothing but a playlist track!

Written by Kim Potgieter on . Posted in Kim's Blogs, Relationships. 1 Comment on Age ain’t nothing but a playlist track!

My first-time not-unusual Delilah-cious encounter with Tom Jones

Okay, my article heading may be a bit too much! But if you’ve seen Sir Tom Jones perform “It’s Not Unusual” and “Delilah” live on stage, you might also find yourself humming to “Green Green Grass of Home” while watching the Springboks play in the Rugby World Cup.

Every year, Jean and I plan an overseas trip together, and we always add something new – a fresh experience that we’ll both enjoy. Just as we’ve done in the past by adding a Rod Stewart and Billy Joel concert to our itinerary, this year we chose a show featuring none other than Tom Jones in Germany.

At 83, Tom Jones is still rocking on! Thinking back on my first-time experiences this year, this one really hit home. Age is just a number, right? Not that anyone’s counting, but here was Tom Jones, who began his career in the 1960s, still performing his classics to a crowd of over 10,000 people – all loving his music. 83 is a number that may make many want to slow down or take things easy. But not him. He’s still busting the age myth, one tune at a time! It made me question the constraints I sometimes impose on myself due to age. Do I use my age as an excuse not to do certain things?

My father was a huge fan of Tom Jones, which is how I was introduced to his songs. This experience has reminded me of a dream I once had: to run in the Comrades Marathon using my late dad’s double green number. In fact, 81-year-old Johannes Mosehla broke a 34-year-old record this year by becoming the oldest runner to complete the Comrades. Still, running the Comrades is not for everyone, and for now, I am very happy with my achievement of having completed my first 21km race.

One thing that I was certainly not too old – or too young – to try was beer! An unusual choice for me. Beer is certainly not my preferred drink, but whilst at a Beer Festival, I thought, “Why not?” and gave it a go. The result? An unforgettable memory – one I will cherish and laugh about for years to come.

The true magic of this trip was sharing it with Jean, a truly special friend. I’ve mentioned Robert Waldinger’s Harvard research before, which finds that the secret to a long and healthy life lies in connections and close relationships with significant people. This may just be what inspired Tom Jones and Dolly Parton to write “Islands in the Stream.” Without our special people, the ones we love and those who make our souls sing, we are simply islands adrift in the stream of life.

Let’s promise ourselves not to let age hold us back and to cherish our connections in the flowing river of life,

Review of I am Ella by Joanne Jowell

Written by Karen Wilson on . Posted in Chartered Library, Purpose, Resources. No Comments on Review of I am Ella by Joanne Jowell

Reviewed by Karen Wilson

Ella of the book title is now 102 years old, just a few years after a series of interviews with author Joanne Jowell, in which she shared her remarkable life. Remarkable that, despite tragic loss and suffering as a young woman, she found the strength to rebuild her life from zero and to thrive.

Ella was born into a close-knit and prosperous Jewish family in Poland. The advent of the Second World War and the Nazi occupation of her home country snatched away anything resembling normality for Ella, who was then in her late teens. She recounts their living conditions after they were forced into the Warsaw Ghetto, the extermination of twenty-three of her beloved family members, and her miracle survival of the Majdanek, Auschwitz and Bergen-Belsen concentration camps, along with her niece.

When Ella emerged from this horror in 1945, she was 24. It is a testament to her faith, optimism, and resilience that she started a new life in Paris soon after, then moved to Palestine/Israel, where she met her husband and followed him to South Africa mere weeks later – knowing nothing about her new country and speaking very little English. She and her husband ran a retail business in Brakpan for many years and raised four children who became successful professionals.

For decades, she rarely spoke about what she had endured but gradually began giving small talks to niche audiences. Joanne Jowell had the privilege of spending time with Ella in Cape Town (where she now lives close to her daughter) and documenting her life story. Joanne’s commentary on her interactions with Ella intersperses the narrative and provides more insight into Ella and her experiences. There are also some helpful footnotes explaining the Yiddish words and Jewish traditions that Ella references as she unpacks her memories.

Ella’s fighting spirit and determination to get the most out of life shine through in this book, along with her sense of humour – and the lessons she no doubt hopes humanity has learned from the tragedy of the last World War.

A copy of I am Ella is available for short-term loan from the Chartered Client Library. We also have a copy to give away. To stand a chance to win, email Lyndsay, and you will be entered into our lucky draw.

Spotlight on Sondela Senior Lifestyle Estate

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Resources. No Comments on Spotlight on Sondela Senior Lifestyle Estate

Nestled in the picturesque bushveld of Limpopo, Sondela’s over 50 Lifestyle Estate offers an idyllic retirement haven for those seeking a peaceful and secure living environment. With its close proximity to Pretoria, the estate provides easy access to city amenities while immersing residents in the breathtaking beauty of nature. Sondela is a premier Bela-Bela resort, offering a family-oriented atmosphere and a deep commitment to preserving and nurturing the natural environment. From rare game sightings to educational programmes and rehabilitation initiatives, Sondela embraces a holistic approach to life and nature. The estate’s retirement homes are thoughtfully designed, allowing residents to enjoy the convenience of nearby facilities and an array of activities, including game drives and access to the acclaimed Iketla spa. Whether you’re planning for retirement or already retired, Sondela Nature Reserve and Spa offers a sanctuary where residents can connect with nature, find tranquillity, and create cherished memories for a lifetime.

Click here to read more about the estate

Meet Sondela Residents Shirley and Philip Roach

The Roaches moved to the estate after starting the construction of their house in early 2021 and completing it towards the end of the same year. The allure of living amidst nature’s beauty, coupled with their desire to embrace a peaceful retirement away from the city, led them to make the decision to call Sondela home.

Having always been city dwellers and previously resided in bustling Centurion, the Roaches now revel in the tranquillity that Sondela offers. They thoroughly enjoy observing the diverse wildlife that meanders through their gardens and value their neighbours’ shared appreciation for nature. With Bela-Bela conveniently nearby for shopping needs and Pretoria within reachable distance, they have found the perfect balance between the African bush and necessary amenities.

Even though the estate is still relatively small, there is a great sense of community, and the Roaches have developed close relationships with their neighbours, enjoying get-togethers every so often. Additionally, they belong to a Pilates group that travels to Bela-Bela twice a week for exercise.

As residents of Sondela’s Senior Lifestyle Estate, Phillip and Shirley take advantage of the various amenities. They frequently explore the extensive bicycle trails, enjoying walks and bike rides amidst the picturesque surroundings. The swimming pools offer refreshing leisure options, especially during the summer months. They appreciate the privilege of going on game drives within the reserve, something they often do. Residents are encouraged to have friends and family visit them on the estate, and Shirley and Phillip have created special memories, particularly with their granddaughter.

Asked what advice they would give those considering moving to an estate, the Roaches emphasised the importance of familiarising oneself with the estate’s rules. They suggested carefully reviewing and understanding the regulations to ensure they align with personal preferences. Sondela’s strict rules are designed to protect and maintain the core values of the estate, ensuring unspoiled natural surroundings, a rustic farm-style experience, safety and security, comfortable living, an active outdoor lifestyle, good governance, financial sustainability, and competitive market value.

How balanced is your life in retirement?

Written by Lyndsay Barr on . Posted in Resources, Retiremeant. No Comments on How balanced is your life in retirement?

We firmly believe that achieving balance is fundamental to a successful retirement. Life encompasses various facets, and neglecting one can have a ripple effect on others. In the hustle and bustle of life, attaining balance often feels like an uphill battle; some areas are given more attention than others.

There is a fantastic quote by Jana Kingsford that says, “Balance is not something you find; it’s something you create.” Achieving balance is not passive; it requires active effort and conscious choices.

That’s why we have identified eight essential elements that form the foundation of a more balanced and meaningful retirement: work, give-back, relationships, money, learning, health, purpose and play.

It’s often a good idea to check in with yourself and reflect on how balanced your life is. As a reminder, let’s dive deeper into each area of the Wheel of Balance and explore what they encompass.

1. Work

Work in retirement goes beyond financial rewards and working 9-5! It’s about finding meaningful engagements that bring a sense of purpose to your life. Whether pursuing a passion project, starting a new venture, mentoring people or starting a side hustle, work adds structure and a sense of contribution to your retirement journey.

2. Give-back

Giving back is not limited to charity work; it’s about making a positive impact and leaving a legacy. It can involve volunteering, mentoring, or supporting causes that resonate with your values. Giving back to others lifts our spirits, makes us happier and makes our lives richer.

3. Relationships

True wealth lies in the people you share your life with. Cultivating and maintaining meaningful relationships and nurturing connections with family, friends, and community all lead to a fulfilling retirement.

4. Money

Money plays a significant role in retirement, but it’s not just about accumulating wealth. It’s about understanding your financial resources, managing them wisely, and aligning them with your desired lifestyle. Is your money serving you, or are you serving it?

5. Learning

Retirement is an ideal time to continue learning and expanding your knowledge. It could involve pursuing new interests and acquiring new skills. Embracing a curious and growth-oriented mindset keeps your mind active.

6. Health

Prioritising your physical and mental well-being is crucial. Regular exercise, healthy habits, and self-care practices ensure you have the energy and vitality to fully embrace life’s adventures.

7. Purpose

As we navigate through the various stages of life, our sense of purpose naturally evolves and transforms. With each stage, our priorities, values, and aspirations transform, guiding us towards new paths and allowing us to embrace the ever-changing nature of our purpose.

8. Play

Embracing play and leisure activities brings joy, relaxation, and a sense of rejuvenation. It’s about engaging in hobbies, creative pursuits, and experiences that bring you happiness and allow you to fully embrace the present moment.

Want to know how balanced your life is? Click here to take the Balance Test.

How things can change in the blink of an eye

Written by Kim Potgieter on . Posted in Kim's Blogs, Relationships. 4 Comments on How things can change in the blink of an eye

Earlier this month, on a seemingly ordinary Saturday evening, on our way to meet our family for dinner, my husband Gys and I were involved in a car accident. Despite my car being written off and being very shaken, Gys and I escaped unscathed.

While the accident only took seconds, it felt like an eternity, and during those split seconds, I genuinely thought it might be the end for us. It was a terrifying wake-up call that reminded me how the course of our lives can be forever altered in a single second.

The following day, as I pondered the events, three crucial questions surfaced in my mind. Firstly, I asked myself, “Are my relationships in order? Have I expressed love and gratitude to those who mean the most to me?” And, in that moment of reflection, I found comfort in the fact that I had no unfinished business with those I hold dear. My children know how much I love them, and there’s no one important in my life who doesn’t know how I feel about them. It was a poignant reminder that, at the end of the day, it’s our relationships with others that enrich and adds meaning to our lives. We often neglect our relationships, putting off picking up the phone, spending time with family and friends, or telling people how we feel because we are busy. We assume we will have ample time, but this experience taught me that time is a gift we shouldn’t take for granted. We must take every opportunity to strengthen our bonds with family and friends, for we never know when those opportunities may be taken away from us.

The second question I asked was, “Am I doing everything I want in life?” Life is fleeting, and we must grab the opportunities when they present themselves. I firmly believe in living life intentionally, saying yes to experiences that bring me joy and fulfilment. While there are things I still want to do, I have no regrets about the things I have done and the experiences I have had.

The final question that came to mind was, “Are my affairs in order?” I found solace in knowing that my will was up to date, ensuring my family’s security. It is so important not to procrastinate when it comes to getting our affairs in order. Taking the necessary steps to prepare for the future is a responsible and caring act toward our loved ones.

I wholeheartedly encourage you to cherish your relationships, expressing your love and gratitude openly. Embrace life’s adventures. Don’t live a life looking back thinking “if only”; say yes to the things you genuinely desire. And most importantly, take the necessary steps to put your affairs in order, providing peace of mind for yourself and your family.

A review of 1000 Ultimate Travel Experiences: Make the Most of Your Time on Earth

Written by RS Editor on . Posted in Chartered Library, Play, Resources. No Comments on A review of 1000 Ultimate Travel Experiences: Make the Most of Your Time on Earth

Reviewed by Karen Wilson

Most of us will chalk up just a few of the 1000 travel experiences in this book, but it will undoubtedly inspire those wanting to create new travel memories. If you prefer armchair travel, you’ll find the mini write-ups fascinating.

The book is divided into geographical sections and numbered experiences that are first-hand accounts from various travel writers. Some options are not for the unfit or faint-hearted, but if zip-lining across the Spain-Portugal border, hiking up Peru’s multi-coloured Rainbow Mountain, or facing off with Komodo dragons in Indonesia is not for you, there are plenty of alternatives!

History enthusiasts can consider a stay at Hever Castle in Kent, the childhood home of the ill-fated Anne Boleyn, and a therapeutic visit to the Thermae Bath Spa in the World Heritage town of Bath, England. In Italy, outdoor concerts, from opera to contemporary music, are held in the Roman-era Verona arena.

If history and hiking are your preferred pairing, the path of the old Berlin Wall is now a 160-kilometre (divided into 14 sections that can be tackled individually) hiking and cycling trail. Several much longer hikes are featured if Machu Picchu or a Camino are on your bucket list.

Plane, train or automobile? Train choices include the Beijing – Shanghai Express, Eastern & Oriental Express between Singapore and Bangkok, and the Australian Ghan, which travels across the vast Outback from Adelaide – Darwin.

For some, the highlight of any trip is sampling a region’s food and beverage. The book notes Belgium’s claim to beer and chocolate fame and will tell you where in the world to find the best coffee, bourbon, and local speciality dishes.

Those who don’t mind the cold and the dark may enjoy a December visit to Kiruna in Sweden to see the Northern Lights and sleep in an Ice Hotel.

The list of natural wonders and cultural experiences is long, and South Africa also gets several mentions – from Bo-Kaap architecture and Cape Malay cuisine to Table Mountain. Whilst whale-watching in Hermanus didn’t make the pages, did you know that the Dominican Republic and Mexico are whale-watching hubs?

Rough Guides publishes 1000 Ultimate Travel Experiences. The font size is reasonably small, so good reading light is essential! The 2007 copy in our Chartered Client Library has been replaced with 2022’s fifth edition.

AnneArtz: A Story of Creativity, Resilience, and Inspiration

Written by Clients in Action on . Posted in Client Story, Purpose. No Comments on AnneArtz: A Story of Creativity, Resilience, and Inspiration

Chartered client Anne Holden has always been driven by her passion for creativity. With a BA in Fine Arts and a PGCE from Unisa and Wits, she began her career coordinating events and designing decor for weddings and corporate functions. Later, Anne transitioned to teaching Visual Art to Grade 10 to Matric and Arts & Culture to Grades 8 & 9. After dedicating 15 years to teaching, she retired in 2021 at the age of 65, ready to explore new artistic ventures.

Unfortunately, in late 2021, Anne was diagnosed with oesophageal cancer, which led to her spending a significant portion of 2022 in and out of the hospital. Despite these challenging circumstances, in between medical treatments, Anne found solace and a means of self-expression through her creative pursuits, specifically mosaic work and painting.

In 2023, Anne decided to embrace her passion fully and established her own art business called AnneArtz. She now teaches painting in retirement homes, provides private lessons, and hosts monthly workshops at her home in Risidale. These workshops explore mosaic work and ceramic painting, offering participants a chance to create their own artwork to take home.

Anne’s commitment to nurturing young talent led her to host a delightful kiddies’ holiday workshop featuring various art activities over five mornings.

Beyond teaching and workshops, Anne showcases her art at Lifestyle Garden Centre and Hadeda, offering ready-made products such as pots, plaques, and stepping stones. She also takes on commissions and recently transformed a nursery school’s firepit with beautiful mosaic scenes. She is currently working on a large mosaic garden “dance floor” for a client.

As a personal project, Anne created a stunning Mexican-inspired wall in her garden, painted in a brilliant blue and adorned with her own mosaic work.

Please visit Anne’s Facebook page for more details about her workshops and art.

Retirement Villages Spotlight – The Retreat Retirement Estate, Hazeldean, Pretoria

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Resources. No Comments on Retirement Villages Spotlight – The Retreat Retirement Estate, Hazeldean, Pretoria

We will be interviewing clients who have chosen to live in various retirement estates around the country to learn more about their experiences. Please note that Chartered Wealth Solutions is not affiliated with, or sponsored by, any of the featured retirement villages, and the opinions expressed are that of the clients who live in these retirement villages.

Spotlight on The Retreat Retirement Estate – Hazeldean – Pretoria

The Retreat is a popular and well-established retirement estate in the lush and serene heart of Hazeldean in Pretoria East (adjacent to the Silver Lakes suburb). It offers 1, 2, and 3-bedroom Sectional Title free-standing homes with individually allocated exclusive use areas for gardens. The Retreat allows the keeping of reasonably sized dogs in fenced-off properties. In addition, there are spacious one and two-bedroom apartments available for a comfortable retirement lifestyle.

The estate boasts 24-hour security with a well-secured perimeter and one entry and one exit at the guardhouse, ensuring the safety and security of all residents.

For residents who require medical care, The Retreat has a Frail Care Centre with 52 beds and a team of medical professionals on hand to provide comprehensive care. The on-site medical services include 24-hour emergency services, personal health advice, and rehabilitation.

The Retreat also offers a range of social and recreational activities through its Social Club, which aims to foster a sense of community and provide entertainment for residents. There is something for everyone, from music evenings to the book club, bridge, snooker, happy hours, and even braais at the Lapa.

The Clubhouse offers facilities such as a gym, indoor (heated) swimming pools (3), and a steam room. There is also a well-established library, a beauty boutique, as well as a restaurant (unlicensed) which provides daily sit-down or delivered meals.

The estate’s beautiful gardens and walking trails showcase over 116 bird species and 40 indigenous tree species, allowing nature lovers to connect with the environment. Protected wildlife such as steenbok, rabbits, guinea fowl, and others are free to roam the estate.

The retirement estate homes at The Retreat are available to residents who are older than 50 years. Currently, there is a new development underway, which is approximately 80% complete. This expansion aims to add around 75 new fenced-off homes with 2 or 3 bedrooms.
Click here for more information.

Meet The Retreat Residents Ronél and Charles Piani

Charles and Ronél moved to the estate in September 2017. Their previous home, a comfortable double-storey house with a beautiful garden, became a concern as they grew wary of using the stairs and the risk of falls and injuries. While in their late 60s, they began searching for a replacement and came across The Retreat’s advertisements for ongoing developments. They found an ideal site to build a 3-bedroom home initially intended for rental purposes. However, as Ronél made choices regarding fittings and flooring during the construction process, she convinced Charles that this was meant to be their own home. Fortunately, they were able to sell their existing home at a good price within three weeks and moved into their new home immediately upon completion.

There are many features at The Retreat that Charles and Ronél appreciate, including the free-standing concept of the houses, the beautiful gardens teeming with vibrant flora, birds, and other wildlife, as well as the inviting walking areas and nature park of The Meadows. However, the availability of 24/7 medical support and the use of the Frail Care facility, if needed, was the ultimate clincher for Charles and Ronél. They also take advantage of the on-site gym, restaurant, meal delivery services, hair salon, and medical services.

Charles and Ronél have an active social life within the community on the Estate. They enjoy their daily walks and often engage in intermittent chats with fellow residents along the way. They partake in social activities such as braais, especially with their close friends and neighbours. They regularly attend weekly teas and lectures that pique their interest. Ronél is involved in charity knitting and crocheting activities, while Charles takes an active role in the Retreat’s management as the Chairman of the Architectural Review and Compliance Committee.

Residents at The Retreat benefit from its close proximity to the Hazeldean shopping centre, situated only around three kilometres away. This convenient location provides easy access to a range of amenities, including Pick ‘n Pay, Woolworths, restaurants, and the Intercare Medical Centre with several doctors available. Furthermore, the Wilgers Hospital is conveniently situated six kilometres away.

Reflecting on their experience, Charles and Ronél believe that moving to The Retreat was the best decision they made.

Say yes to life! Live every minute … every second

Written by Kim Potgieter on . Posted in Kim's Blogs, Play. 1 Comment on Say yes to life! Live every minute … every second

This week I came across a beautiful inspirational story on Facebook about our very own Margaret Kearns, and to my surprise – Brent Lindeque (Good Things Guy.) Can you imagine inviting a complete stranger and famous influencer to your 70th birthday party? Someone who reaches over four million people every month on social media. Margaret’s daughters did! They knew how much their mom loved Brent and asked him as a surprise for her birthday. And best of all, Brent Lindeque said yes! He attended her 70th birthday party last year and celebrated her 71st birthday with her again this year!

This story made me realise how powerful the courage to ask is. If you don’t, ask, you’ll never know – right? And with that comes the courage to say YES to life … to live every minute and every second to your utmost. You never know where saying ‘yes’ will lead – you may make new friends, learn new lessons and perhaps experience more pockets of joy in every day.

I met Margaret quite a few years ago when she joined Chartered and immediately loved her optimistic outlook and attitude to life. She inspires wherever she goes; is one of the bravest women I know and a personal role model. Margaret took over running the finances when her husband passed away, enrolled and obtained her Degree in Anthropology and Sociology in her mid-60s, and still holds her family of three adult daughters together.

Inviting Brent Lindeque out of the blue to their mom’s 70th birthday is a testament to how Margaret’s courageous and adventurous spirit rubbed off on her children. Brent is the founder of Good Things Guy (launched in 2015) – a platform dedicated to telling good stories and sharing things that inspire. He shared a beautiful post on social media about his time spent with Margaret, her family and friends. “It was time spent perfectly,” he said. “I stepped out of my comfort zone and leaned in that day when I went to a birthday lunch with 29 random strangers. I spent the afternoon in the spectacular autumn sun, drinking champagne while listening to incredible women sharing stories of their time. It was beautiful. And a stark reminder that we only have so much time.” This year, Brent again shared the lesson he learnt from Margaret at her birthday party – to find a pocket of joy in every day.

I’ve reflected on all my first-time experiences this year to fulfil my goal of trying something new and different every month. Each encounter has brought a lesson – or shared one. This month I tried my awkward, non-artistic hand at ceramics with a friend and our daughters. We spent a wonderful day at the Prison Break Market Clay Café where I made a semi-decent piggy bank. Our housekeeper’s daughter, Abby, is turning one this year, and my goal is to start teaching her how to save – a lesson we taught our children from a young age.

If you feel motivated to say yes to life more often, to find more pockets of joy every day, or fill more time with fun and laughter, start by taking a small step out of your comfort zone. You don’t have to invite a famous influencer to your birthday or embark on the grandest of all adventures, just take a small step that sits comfortably with you. Try hopping on to Good Things Guy on Facebook for inspiration! Fun and laughter are contagious, and the more time we spend on good things, the more time we’ll invest in happiness and joy.

A review of Breathe (Strategising Energy in the Age of Burnout) by Dr Ela Manga

Written by Karen Wilson on . Posted in Chartered Library, Health, Resources. No Comments on A review of Breathe (Strategising Energy in the Age of Burnout) by Dr Ela Manga

Review by Karen Wilson

Dr Ela Manga is a Johannesburg-based doctor who found her calling in integrative medicine. Burnout from the stress and challenges of modern-day life and technology was the crux of many patient ailments, and she has focused her work on ways to address this energy crisis.

As Dr Manga explains, many people now live in a persistent state of adrenalised energy. Whilst this serves the purpose of dealing with short-term stressful or demanding situations, it is crucial to balance out this high-energy state with a rest and recovery mode – what she refers to as authentic or natural energy, when the body’s parasympathetic nervous system is activated. If energy balance is out of kilter for years, symptoms such as insomnia, panic attacks, extreme fatigue, depression, recurrent infections, and heart disease will start to show up.

The book is divided into three sections – Body Intelligence, Mind Intelligence and Heart Intelligence. A selection of her patient stories depicts how their lifestyles, habits and beliefs eventually landed them either in the Danger Zone (more wired than tired) or the Burnout Zone (more tired than wired), signs of which Dr Manga describes in her Energy Zone Map. The third zone is the Optimum Zone, where we should ideally be – at least most of the time!

In the context of the stories, the book covers areas such as diet, rest, exercise, mindfulness, connecting with nature, and conscious breathing as antidotes to energy imbalance and burnout. Dr Manga has a particular interest in the breath and how it can be harnessed for authentic energy, and she shares some simple breathing techniques to incorporate into daily life. She talks about the importance of regular ‘recovery loops’ – these can be as brief as a good sigh and a stretch or as long as a weekend getaway – to help restore a sense of calm and well-being.

A copy of Breathe is available in our Chartered Client Library for short-term loans. You can find more information on Dr Ela Manga and her ‘Breathwork’ on her website, www.drelamanga.com.

Unleash Your Creativity and Boost Your Mental Health with Neurographic Art

Written by Lyndsay Barr on . Posted in Client Story, Learn. No Comments on Unleash Your Creativity and Boost Your Mental Health with Neurographic Art

Are you searching for a new way to boost your mental health and express yourself? Consider giving neurographic art a try. The technique was developed by Russian artist and psychologist Pavel Piskarev in the early 2010s as a way to help people express themselves and overcome creative blocks. Today, neurographic art is popular around the world as a simple and accessible way to engage in a mindful and enjoyable activity that can benefit mental and emotional health.

Some of Gill van Rooyen’s Neurographic Art

Neurographic art is an excellent way to reignite your creativity. As we age, our creativity can fade, but this art form offers a chance to discover a new outlet for self-expression. Neurographic art is accessible to all, regardless of artistic skills, and has no rules or guidelines for what your design should resemble.

To begin your neurographic art, start by gathering the necessary materials: a pen or marker and a piece of paper. You may also choose to have additional colouring supplies such as coloured pencils, markers, or paint on hand.

Next, find a quiet and comfortable place where you can focus on your drawing. Choose a starting point, such as a dot or a small shape, and begin to draw continuous lines and shapes that flow spontaneously. Allow your pen to move freely, without lifting it from the paper, and see where the lines take you.

As you draw, try to focus on the present moment and allow yourself to be in a meditative state. Pay attention to the sensations you feel in your hand and body as you create your design. You may find it helpful to take deep breaths and allow yourself to relax into the process.

Repeat the pattern until you feel that the piece is complete. You can add colour if you like, using markers, coloured pencils, or paint. Remember that there are no rules or expectations for what your pattern should look like, so allow yourself to be playful and creative.

Don’t be concerned about your artistic ability or the final outcome of your design – the process is what counts. So why not give neurographic art a try and see how it can benefit you?

Client Story Gill Van Rooyen

The Healing Power of Neurographic Art

Last year, Chartered clients received a retirement tip from us about neurographic art and the many benefits it can offer. One of our clients, Gill van Rooyen, who had always been interested in art, was intrigued by the concept and decided to give it a try. Since then, she hasn’t looked back.

Gill has no formal art training but enjoys oil painting and acrylics. What she found most appealing about neurographic art was the combination of art and mindfulness. Gill can sit for hours and let her creativity flow, which helps her find clarity and peace of mind. She is guided by her energy, which allows her to create beautiful art that is unique to her.

Gill shared her newfound passion with a friend whose brother was diagnosed with acute leukaemia. It became a healing practice for both her friend and her brother. They spent many hours in the hospital doing neurographic art, which proved to be a therapeutic and helpful activity. It helped Gill’s friend deal with her grief, and her late brother’s artworks were framed and cherished.

For Gill, neurographic art is more intuitive than colouring in. She did a lot of research, including looking on Pinterest and YouTube for inspiration and techniques. The practice of neurographic art allows her to be in the moment, focusing on the lines and shapes she creates. It’s a meditative process that allows her to express herself freely and without judgment.

Here are some links that Gill suggests to help you get started:

https://betterhumans.pub/how-i-use-neurographic-art-to-meditate-aab05663b771

Retirement Villages Spotlight – Amber Ridge, Howick, KZN

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Resources. No Comments on Retirement Villages Spotlight – Amber Ridge, Howick, KZN

Amber Ridge Estate, situated in Howick in the beautiful province of KwaZulu Natal, offers residents a luxurious and peaceful lifestyle. Amber Ridge was released in August 2011, and construction was completed in 2014. Designed to emulate the successful look and feel of its bigger neighbour, Amber Valley, Amber Ridge is a separate development catering mostly to the retired market at affordable prices. However, it also shares many of Amber Valley’s, Amber Lakes’ and Amber Lee’s facilities by arrangement, while still having its own Body Corporate.

The large Community Centre is a significant feature of Amber Ridge, which represents the estate’s contribution to the concept of the “Greater Ambers.” The facility is shared by Amber Ridge, Amber Valley, Amber Lakes, and Amber Lee, and includes an auditorium and a string of Assisted Living Units (ALUs). The 350-seater auditorium is one of the many wonderful features of Amber Ridge, with a separate bar area and an 80-seater functions room. The auditorium has a suspended acoustic ceiling, a substantial stage area, audio-visual facilities, sophisticated stage lighting, and a high-quality sound system. The auditorium opens onto a large, covered patio overlooking a dam, adding to the serene and peaceful atmosphere of the estate.

Click here to read more about Amber Ridge

Meet Amber Ridge Residents Errol and Pam Cunningham

Chartered clients Errol and Pam Cunningham moved to Amber Ridge in 2013, seeking a quieter environment than the busy surroundings of Johannesburg. Having lived previously in Boksburg, Gauteng, they were drawn to the beautiful mountain view from their home and the various services offered by Amber Ridge, such as excellent frail care facilities. The facilities on the estate that they use include the dining room, library, and auditorium for presentations and concerts. Errol particularly benefitted from the high-quality frail care services. They also appreciate their close proximity to everything they might need – doctors, hospitals, lawyers, restaurants, supermarkets and shops. For those considering a move to Amber Ridge, Errol and Pam advise reaching out to the administration to receive answers to any questions. Amber Ridge is well-managed, and residents are kept well-informed about all aspects of the estate, as well as security issues in and around the town.

First time running the Two Oceans Marathon

Written by Kim Potgieter on . Posted in Health, Kim's Blogs. No Comments on First time running the Two Oceans Marathon

Yes! You read that right! I just completed my first time ever 21km half-marathon. The Two Oceans is known as “the world’s most beautiful marathon,” and running against the backdrop of the breathtaking Cape Peninsula must be one of the most exhilarating moments of my life. And this is the new experience I’m sharing with you this month.

I have learnt that having a clear goal is essential to trying something new or doing something for the first time. Running a half-marathon has been on my vision board for a few years, and you may remember me sharing it with you – even in Covid times. Two words stand out for me in achieving this goal: persistence and consistency. Believe me, getting up every single morning to run, especially in winter, is not easy. And your aim does not have to be easy either. You may decide to take up art or learn a musical instrument. You may want to walk the Camino de Santiago – or the Cape Camino. But every journey begins with one single step. And the first step is setting your goal. In my experience, persistence and consistency get you where you want to go.

Sometimes, trying out something new is a deeply personal journey you may want to go alone. But a lot of times, having special people join you – or support you – makes it so much easier – and enjoyable. I had many partners on my running journey, including my 22-year-old niece, Robyn. And thank goodness for Robyn! I was initially intent on running a 42km marathon, and Robyn convinced me to start slightly smaller – we agreed on the 21km instead. It turned out to be great advice! Running up and down the hills was much harder than I thought it’d be.

One of our Planning Specialists at Chartered, Craig Harrison, also ran with me. He could have finished the marathon in a much better time but opted to stay back and support me, for which I am so grateful. Although you’re the one doing the work, you end up not running alone. Running in the Two Oceans felt like being embraced in a wonderful community of people helping and supporting you to the end. And it was lovely to see my husband Gys, my son Josh and his partner Rachel waiting for me and welcoming me over the finish line.

Sometimes you may have to call in extra people to help you reach your goal. I have a great running trainer and teamed up with a functional trainer who helped me exercise the right muscles to get me over the steep hills.

It really does help to have a support system when trying new things. Whether planning a unique adventure, a fresh learning experience or a new venture, having people who believe in you and encourage you along the way can make all the difference. But more than that, trying new things often calls for stepping out of our comfort zones. It’s easy to get stuck in a routine and shy away from something new. But new experiences can lead to personal growth and a sense of accomplishment.

Remember, trying something new does not have to be a grand gesture but something small that pushes you out of your comfort zone. And the rewards are often worth it!

A review of The Psychology of Money by Morgan Housel

Written by RS Editor on . Posted in Chartered Library, Money, Resources. No Comments on A review of The Psychology of Money by Morgan Housel

Reviewed by Karen Wilson

Morgan Housel provides some sage commentary on how our behaviour affects our financial outcomes. Our individual worldviews, the times we’ve lived through, and our experiences invariably colour the investment and spending decisions we make.

He cautions against trying to duplicate another individual’s path to success and advises that people rather focus on broad patterns of success. For Housel, this translates simply to living below his means, not succumbing to greed or rampant materialism to impress others, maintaining risk at a level that lets him sleep at night and trusting compounding to do its work over the longest time possible. He illustrates his points with true stories, including one about the (mis)fortunes of Richard and Ronald. One man was Harvard educated, had an MBA and retired early from an executive position with a prestigious firm. He borrowed heavily to expand one of his showpiece homes – with eye-watering monthly maintenance costs. The other man held two lowly jobs his entire working life, lived in the same 2-bedroom house, and invested the little he could save into blue chip shares over several decades. One man slid into bankruptcy after the 2008 financial crisis; the other died in 2014, leaving $8 Million. These are extreme examples, but they make his point.

The author asserts that money is governed by odds and not certainties, therefore everyone should “Plan on your plan not going according to plan”; things do go wrong because of unforeseeable events or risks (there is a quirky little anecdote about field mice vs German tanks in the book), so have a margin of safety. He advocates a life-long savings habit, even if you are not saving for anything specific, because enough money will give you options and flexibility when you need it.

Some other takeaways from the book: Luck and risk are both real and hard to identify; Less ego, more wealth; Define the cost of success and be ready to pay it – because nothing worthwhile is free. The book is an easy read, with mention of many well-known figures – including a few financial felons. And on the topic of luck, would Bill Gates be where he is today if he had gone to a different high school? Read the book, and you decide.

A copy of The Psychology of Money by Morgan Housel is available in our Chartered Client Library.

Garden Route Slackpacking Adventure Trip

Written by Clients in Action on . Posted in Client Story, Play. No Comments on Garden Route Slackpacking Adventure Trip

By Louis Marcus Finn

Having undergone a double knee replacement in 2021, my husband Stephen and I decided to relish his remarkable and wonderful rehabilitation and cash in on this golden period of our lives together.

I did some research and found a fantastic option on the Garden Route. Mark Dixon, an outdoor enthusiast with a magnificent protean knowledge of ecology, biological science and nature conservation led our hike. We were joined by a UK couple in their early sixties, enjoying an outdoor adventure in South Africa. Mark organizes trips and highlights the incredibly rich fossils on our coastline, the indigenous trees, geology, insects, marine life and avian specimens. We learnt such a great deal about a myriad of impressive elephant, crocodile, buffalo and hominoid footprints found on the coastline ranging from Wilderness to Brenton-on-Sea. Touching and beholding these 120 000-year-old remnants was indeed a huge privilege.

We covered about 60 kms by foot, nearly all on pristine beaches and traversed the Garden Route and Goukamma National Parks, sleeping in private and Cape Nature reserve accommodation.

The route also encompasses 15 kms of kayaking on the Touws and Goukamma rivers. Much fun and many enjoyable experiences were had, and at one stage, our kayak capsized, and Stephen, Mark and I fell in the temperate river. We laughed our way back to the bank and continued canoeing in high spirits seeing a magnificent Fish Eagle soaring overhead and then roosting on the banks of the river. Being outdoors, enjoying perfect weather and seeing unspoilt conservation coastline was a huge inspiration, physical experience and treat for both Stephen and me.

Garden Route Coastal Meander can be reached at gardenroutetrail.co.za or followed on Instagram. It is well worth the effort if you would like to expand your physical and intellectual horizons.

Preserving Our Legacy: The importance of recording memories

Written by Lyndsay Barr on . Posted in Purpose, Resources. No Comments on Preserving Our Legacy: The importance of recording memories

As we grow older, we often reflect on the memories we have created throughout our lives. These memories are an integral part of who we are, and they have shaped us into the person we are today. For many of us, the idea of writing down our memories can seem overwhelming, but it is essential to recognise the value of documenting our life experiences for future generations.

Recording our memories allows us to preserve a piece of our personal history for future generations. Our experiences, both good and bad, can provide valuable lessons for our children, grandchildren, and even great-grandchildren. Our stories can help future generations understand where they came from, the struggles their ancestors faced, and the legacy they have inherited. Our memories are a gift we can pass down to future generations to ensure our legacy is not forgotten.

Writing down our memories can also be therapeutic. Recalling our life experiences can bring back long-forgotten emotions and feelings. By documenting our memories, we can process and make sense of the events that have shaped us. This process can be incredibly healing and help us find closure on past experiences.

Everyone has a story to tell. No matter how ordinary our lives may seem, we all have unique experiences. We often underestimate the value of our memories and assume that they are not worth documenting, but our stories are essential to understanding the human experience. We can all learn from each other’s experiences and find comfort in knowing we are not alone in our struggles.

Understandably, the idea of writing down our memories can seem overwhelming, but many resources are available to help make the process more manageable. Some people may use technology to document their experiences, such as recording audio or video diaries. Many books and online resources are available that guide how to write down our memories. Jackie Lee-Son created a beautiful framework called A Place for Stories to help guide people through the writing process. Short chapters cover general themes (e.g., Education & Teachers, Careers & Work) to help you organise your memories. Click here to access her guide, which she generously shared with us. Print it out, bind it and start recording those memories. Future generations will treasure them.

Retirement Villages – Spotlight on Waterfall Valley Mature Lifestyle Estate

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Resources. No Comments on Retirement Villages – Spotlight on Waterfall Valley Mature Lifestyle Estate

We will be interviewing clients who have chosen to live in various retirement estates around the country to learn more about their experiences. Please note that Chartered Wealth Solutions is not affiliated with, or sponsored by, any of the featured retirement villages, and the opinions expressed are that of the clients who live in these retirement villages.

About Waterfall Valley Mature Lifestyle Estate

Waterfall Valley has 241 free-standing houses within the gated estate. Waterfall Valley enjoys full reciprocity with Waterfall Hills, so residents have access to their frail care centre and a wide variety of lifestyle facilities just around the corner, including scenic walking trails along the Jukskei River, which link Waterfall Valley with over 35km of hiking and biking trails on the rest of the Waterfall City estates.

Click here to read more about the estate.

Meet Waterfall Valley Mature Lifestyle Estate residents Ronelle and Brian Baker

In around 2012, Ronelle wrote an article for Inflight explaining her and her husband Brian’s view on why they did not want to live in a retirement village. At that time, they believed they were young and strong enough to check into any facility they wanted when they felt the need. However, they soon realised that it was not as simple as it seemed.

Their decision to move from their home in Lonehill to a retirement village in Waterfall was triggered by Brian’s only sibling requiring immediate and life-threatening surgery in 2014, which resulted in her needing significant care. As a result, they realised they would be in trouble if either of them experienced something similar. They decided to live in an area close to where they had lived for the last 34 years, close to friends and their church, which brought them to the Waterfall/Kyalami area.

They have been living at Waterfall Valley Mature Lifestyle Estate since August 2015, and it has been a rewarding and life-changing decision. It is important to note that their Estate is not officially considered a retirement village, as they do not have the required services, such as frail care and assisted living, available to residents. Instead, their estate encourages residents to live in their homes and recommends making use of carers in case of incapacity or illness. However, Waterfall Valley Mature Lifestyle Estate does enjoy full reciprocity with Waterfall Hills, so residents can access their frail care centre if need be.

Purchasing property in their estate is on a lease basis, with the land owned by a landowner, and they have a “99-year lease” on the property. They do not have life rights or other retirement purchase mechanisms in place. The estate has levies, City of Joburg rates and taxes, and Eskom bills, but living on this estate is still cheaper than living in a suburban home. Many homes have installed solar panels to ward off the never-ending load shedding.

Homes in their estate have the same architectural look and feel, but each home and garden has its individual characteristics. The estate has a committed and enthusiastic Residents Association with volunteers covering areas of finance, security, leisure, healthcare, infrastructure, and maintenance, among others. The estate management team is closely monitored and assisted by the association and a board of directors, who ensure everything is managed correctly and financially appropriately. The gardens are managed and maintained by a gardening service, the security systems are exemplary (soon to be facial recognition), and residents have access to a fully equipped gym with a steam room, sauna, Zumba, ballroom, line dancing and aerobic classes, an Olympic-sized swimming pool, ballroom, auditorium, a well-equipped library, and a partially subsidised restaurant on the premises.

Numerous activities are available to residents who wish to participate, such as social bridge, pool, table tennis, Kaluki, wine club, bird club, U3A, Mah Jong, French conversational sessions, cycling, hiking, craft and sewing/knitting mornings, and many more.

First time welcoming new members into our family

Written by Kim Potgieter on . Posted in Kim's Blogs, Relationships. No Comments on First time welcoming new members into our family

As first experiences go, becoming a mother-in-law and gaining a new daughter in the family – and of course, seeing the first of my children and my oldest son get married, is pretty epic. And this is my unique and new experience for March!

Adding a new experience to your month does not have to be something large, audacious or expensive. It could just be saying ‘yes’ to something you would not have considered doing before. What I’ve learnt from the three first-time experiences I have shared with you this year is that it always goes hand-in-hand with learning and something new to be grateful for.

Apart from having the best and most joyous time with family and friends at Ryan and Nix’s wedding at the beautiful Webersburg Wine Estate in the Cape, I feel incredibly blessed and privileged to see our family size increase with the very special and much-loved Nix. Still, becoming a mother-in-law for the first time can be daunting, and I’m sure Nix feels the same way about her becoming a wife and daughter-in-law. Getting married is a significant life-changing transition as you move into a new, unexplored and wonderful stage of life.

A few days before the wedding Nix and I chatted about our new future roles. We’ve all heard some horror mother-in-law stories – from criticism, stopping by unannounced to rearrange the furniture without being asked, and coercing the daughter-in-law to have children. Nix and I both felt that it would be helpful for us to set boundaries upfront so we don’t make assumptions about what we each value, trust and respect.

I realise that Nix and Ryan will live their new life together on their terms and in their own way – different from how we live our lives in our family. But I also know that we share common values which gives me a great sense of pride and joy.

Setting boundaries are not only important with in-laws; they are essential for creating trust and respect in any healthy relationship. And honouring the boundaries of others builds a strong connection where each one feels heard, seen and valued and where both your needs are met.

Boundary discussions are brave conversations to have. It’s talking about how you want to be treated and your expectations in the relationship. It also defines what’s acceptable and what is not. It’s brave because by setting boundaries, you value yourself, prioritise your needs and create space to thrive and grow. I love the fact that Nix and I understand each other’s boundaries. It makes me feel safe and secure knowing what she expects of me and what she values and appreciates. These discussions may seem hard at first, but it’s better than the resentment when boundaries are overstepped.

I found a helpful article on PositivePsychology.com written by Jo Nash, who obtained her PhD in Psychotherapy Studies and lectured in mental health at the University of Sheffield. She masterfully explains what boundaries are and how to set healthy ones. I love this explanation of the different boundaries involved in relationships.

READ: How to Set Healthy Boundaries & Build Positive Relationships

Do you have relationships in your life that may need redefined boundaries? Relationships change and evolve, and it may require an adjustment of boundaries. Remember, having boundaries are not selfish or self-centred. It really helps those you love with clear guidelines of how to treat and love you in a way you appreciate.

Cleaning up your Mental Mess by Dr Caroline Leaf

Written by RS Editor on . Posted in Chartered Library, Health, Resources. No Comments on Cleaning up your Mental Mess by Dr Caroline Leaf

Reviewed by Karen Wilson

The workings of the human mind and the brain (Dr Leaf explains the distinction) make fascinating and complex subject matter. The author of Cleaning up your Mental Mess tells us that people are not totally at the mercy of their thoughts, and that anxiety, stress, trauma, and toxic thinking can be addressed with some mind management techniques. In her words, “events and circumstances can’t be controlled”; however, “we can control our reactions”.

Throughout the book Dr Leaf highlights the neuroplasticity of the brain – how it changes in response to positive or negative thought patterns that also impact our physical health. Her solution for “mental mess” is a five-step learning process she has dubbed ‘the Neurocycle’, which is designed to make you more aware of your thinking/feeling/choosing around an issue, reflect on it, write it down, reconceptualize, and take action steps to implement your new thinking.

According to Dr Leaf’s extensive research, her Neurocycle needs to be practised consistently for at least 63 days (the widely held belief that it takes 21 days to form a habit doesn’t apply here!) to produce real change. She claims that toxic stress and anxiety can be reduced by up to 81% using her five-step Neurocycle and, since your mental landscape is not static, suggests that the ideal approach would be to make this an ongoing lifestyle. She also refers to an app (not free), which she developed to complement the book.

The book is divided into two parts, with the first half focusing on clinical research data that may prove heavy-going for readers who don’t want to learn about the finer points of alpha and beta brain waves or the effects of unmanaged stress on blood measures and chromosomes. This forms the foundation for the Neurocycle that she elaborates on in Part 2. Her writing is inclined to be a little repetitive.

Dr Caroline Leaf is a US-based communication pathologist and neuroscientist who has done research in her field for over 30 years. Her book is available in our Chartered client library for short-term loan.

Winemaking in your Backyard

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Written by Errol Allcock

Like many wine lovers, my interest in all things wine began while as a student at university and studying microbiology was an added catalyst. I joined a wine club which assisted me in gaining exposure to a more diverse range of wines. As time progressed, I soon realized how little I knew and signed up for the wine courses offered by the KWV and, later on, by the Cape Wine Academy. These were wonderful learning opportunities and a great place to meet new friends, especially on the practical courses. Holiday destinations were carefully chosen in wine regions both locally and internationally.

As our combined knowledge and confidence grew, we started visiting key wine regions in France, Italy and Spain … these will always remain as highlights of our travels. Visiting and tasting wines at these Holy Grails of world wines was very special. On one of these trips, I met Graham De Villiers, the new owner of Mont Rochelle Vineyards in Franschhoek. He sensed my interest in wine, and by invitation, I spent three harvests working in the Mont Rochelle cellar doing odd jobs but learning all the time as well as making lifetime friends.

We were fortunate to have a wine cellar at home which provided more than a place to store wine, it was often somewhere to entertain friends and, of course, solve the problems of the world. Wine cellars are interesting places where one can develop a special relationship with the wine styles that you prefer.

We undertook a major renovation of our home in Somerset West in 2016, and it was then that the idea of developing a micro vineyard on the property was conceived. We had roughly ¼ of an acre to develop, and this was large enough to plant 110 vines which, by my calculation, could yield sufficient grapes to make a standard barrel of wine. The vineyard development took just over two years and included a soil analysis and preparation, water availability, trellising design and cultivar selection. Our “stokkies” were planted in September 2018, and then the work of training the vines began. We decided on a Shiraz scion grafted onto a robust 101-14 root stock. Each year the vines became stronger as they developed, and we had our first full harvest last year (2022). Following nine months in oak, this vintage was bottled in late January 2023. I am very pleased with the final product which shows typical varietal characteristics, a good colour and soft tannins. No resting for now though; the 2023 harvest will be ready for picking at the end of February. Thanks to my family and friends for their continued support and encouragement.

Retirement Villages Spotlight – Woodside Village

Written by Lyndsay Barr on . Posted in Lifestyle Estates, Resources. No Comments on Retirement Villages Spotlight – Woodside Village

One of the major decisions people face when retiring is where they will live. The decision to move is an emotional one. Once the decision is made, many of our clients opt to move to retirement villages or estates. The traditional concept of retirement villages and estates has changed dramatically over the years, and the range of lifestyle activities and easy access to medical care and security now makes them an attractive option.

We will be interviewing clients who have chosen to live in various retirement estates around the country to learn more about their experiences.

Please note that Chartered Wealth Solutions is not affiliated with, or sponsored by, any of the featured retirement villages, and the opinions expressed are that of the clients who live in these retirement villages.

About Woodside Village

Woodside Village is situated on nine hectares in the sought-after Cape Town suburb of Rondebosch. This complex offers residents a peaceful and secure lifestyle, surrounded by natural beauty and modern conveniences.

Woodside comprises of 155 independent living garden villas and 52 apartments, as well as an assisted living facility. To the extent possible, they are able to deliver most care and support services in residents’ homes. The 1-bedroom or 2-bedroom garden villas range from 85m2 to 190m2 in size and come with attached garages and patios leading onto the garden. The apartments range from 75m2 to 120m2 and have a single garage alongside the apartment block. The complex is pet-friendly, so residents can enjoy the company of their furry friends.

The village is designed with residents’ needs in mind, and a range of amenities and services are available to make life easier and more enjoyable. These include a swimming pool, a clubhouse, a laundry, a gym, a cinema and a library.

One of the most significant advantages of living in Woodside Village is its location. The complex is located close to a range of shops, restaurants, and other amenities, as well as some of Cape Town’s most beautiful natural areas. Click here to read more on their website.

Meet Woodside Village Resident Barbara Gillman

Barbara and her late husband, Jon, moved into Woodside Village in 2019. They had already downscaled and were living in a lock-up and go near Cavendish, but when the opportunity arose to purchase a Life Right at Woodside Village, they jumped at the chance and moved into their two-bedroomed cottage with a beautiful garden.

One of the major drawcards was the security offered by the estate. Barbara loves the fact that she feels safe and that she can lock up and go and visit two of her sons who live overseas.

Barbara still has an active social life outside the estate; she plays bridge regularly and belongs to a book club. While she hasn’t chosen to get too actively involved in activities within the estate, she says there are ample options to do so. Friday night happy hours, Sunday teas, mid-week pub nights, air-conditioned cinemas, fascinating talks, inspiring cultural and social events and entertainment, to name a few.

Another plus for Barbara is the comfort of knowing that should she ever need it, Woodside Village has a step-down facility and assisted living should she require it.

When asked, Barbara says she has absolutely no regrets about moving to Woodside Estate. It suits her lifestyle perfectly. She advises anyone considering moving to Woodside to put their name down early on the waiting list.

If you live in a retirement estate and would like it to be featured in Inflight, please get in touch with Lyndsay@charteredwealth.co.za.

Click here to read the brochure.

A first-time experience – learning in Africa

Written by Kim Potgieter on . Posted in Kim's Blogs, Learn. No Comments on A first-time experience – learning in Africa

I do believe that our experiences add to the richness and fullness of our lives, and that’s why I included new and unexperienced opportunities in my dreams for this year. I have made it my personal purpose to inspire all of you – our clients – to join me in this endeavour and hope that as we move through this year, you will also share your fresh new experiences with me. Who knows, we may end up with a novel guide to experience the unexperienced by the end of 2023.

My new experience in January was travelling to Africa on a learning excursion for the first time. Five of us from Chartered were invited and partly sponsored to participate in the Stanford Seed transformation programme – a Stanford Graduate School of Business-led initiative that provides management training to entrepreneurs in India and Africa. Their aim is to deliver world-class business training and resources to help entrepreneurs from promising start-ups and established companies take their businesses, countries and regions to the next level and transform lives.

The benefit to Chartered is immeasurable as we are trained in all aspects of running a business, from finance and Human Resources to strategy and developing a transformation plan for taking our company forward. As the programme leader whose role is to attend the actual training sessions and bring the learning back to Chartered, I have the magnificent added bonus of journeying and discovering Africa.

The first in-person immersion week took place in Nairobi, Kenya and in June this year, I will attend training in Accra, Ghana and then later in Botswana. I was slightly surprised when I realised that I’d never considered Africa as a learning destination before. I’ve been all over the world to attend courses: America with Brené Brown, Seth Godin, David Krueger and Chip Conley; and the UK with Mitch Anthony and George Kinder. But never Africa.

For me, spending time in Africa, our very own and second-largest continent in the world, was the most inspiring part of the training – a sentiment sincerely shared by the Stanford lecturers who said that coming to Africa and experiencing the beauty of not only this incredible continent but also its people, is the most rewarding part of their work.

Did you know that Africa contains 54 countries and is home to 3 000 indigenous tribes and around 2 000 languages and dialects? I remember telling people in America about Africa and thinking they were slightly uninformed when they knew nothing about our continent. But whilst in Nairobi, I realised that I didn’t know much about Africa either, apart from visiting game reserves. We spent time with people from cities all over the continent, some of which I had to find on the world map and others I’d never heard of before.

They do say that it’s not always the place you fall in love with, but the people – I can attest to that! I have never before spent time with a group of people who are so humble, so grateful for the international learning opportunity, and so enthusiastic about their work and this experience. Meeting so many aspiring entrepreneurs creating successful businesses has also left me with a profound sense of hope for Africa.

I love the fact that I’ve experienced a part of the world that I’ve never visited before, that I’ve met people I’ve never engaged with before and that I now see incredible opportunity and potential in the continent I live in.

Trying new things and immersing yourself in different opportunities broadens your horizons. And there really are no downfalls – if you don’t enjoy it, leave it at that. But at least you’ll have another interesting story to tell.

If you have any new or unique experiences to share, please send them to me. In the meantime, I look forward to sharing my next adventure with you.

Review of Atomic Habits by James Clear

Written by Karen Wilson on . Posted in Chartered Library, Health, Resources. No Comments on Review of Atomic Habits by James Clear

Reviewed by Karen Wilson

If your 2023 resolutions to exercise more, smoke less and eat better are already looking somewhat shaky, then James Clear’s Atomic Habits may well be the book that gets you back on track.

Clear shares a simple four-step model (Cue, Craving, Response, Reward) to describe how habits, both good and bad, are formed – and our brains follow this pattern every time. He also explains in uncomplicated terms how human nature, as well as culture, values, personality, and environment all come into play. The book is interspersed with fascinating stories of individuals, sports teams, and companies that have harnessed the power of great habits.

Based on his four laws of behaviour change (Make it Obvious, Make It Attractive, Make It Easy, Make It Satisfying), the author then guides you through setting up effective systems to build good habits and break bad ones. These include tools like habit stacking, motivation rituals, the two-minute rule and reinforcement for creating good habits, along with some inverse strategies for banishing the bad ones.

Clear firmly believes that setting up sustainable good habits is not about giant shifts, getting mired in too much detail or aiming for perfection. It all comes down to small actions that compound over time. If you’re just not getting to those one-hour three-times-a-week French lessons that you’ve been planning since you went to Paris five years ago, start by spending just two minutes daily on a language app. Ditto for an exercise programme – even if all you do for a while is roll out a yoga mat and take a deep breath every day. Frequency makes the difference and will fuel the habit.

The book is practical and an easy read, with a summary at the end of each chapter and a handy ‘cheat sheet’ grid of his four laws of behaviour, which he updates as the book progresses.

A copy of James Clear’s bestseller Atomic Habits is available in our Chartered client library for short-term loan.

Phinda, pangolins and a once-in-a-lifetime experience

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Barbara and Andrew McGregor’s recent visit to Phinda private game reserve was a Bucket Wheel® item for them. With so many interesting and varied sightings, it was an experience that didn’t disappoint.

Phinda is in northern KZN, situated between the Mkuze Game Reserve and the Greater St. Lucia Wetland Park. Covering an area of 170 km², it features seven distinct ecosystems, resulting in an unusually rich diversity of fauna and flora, including many species endemic to the Phinda area.

Having not been to Phinda before, endemic sightings were “lifers” for the McGregors. They included a “flutter” of Black Swordtail butterflies having fun in a pool of muddy water on the road, Tonga red squirrel, Bell’s hinged tortoise, Neergaard’s Sunbird, Pink-throated Twinspot, along with several trees and bushes.

Other highlights included a close encounter with a herd of elephants (in a vehicle that refused to start) and excellent cheetah, rhino, and leopard sightings. However, all these were outdone by a fabulous encounter with a pangolin.

Pangolins, also known as scaly anteaters, are unique mammals found in various parts of the world, including South Africa. They are known for their distinctive scales, which cover their entire body. These scales are made of keratin, the same material that makes up human hair and nails. They are known for their keen sense of smell, which they use to locate ants and termites, their primary food source.

They are nocturnal creatures and spend most of the day in burrows or termite mounds. This sighting in broad daylight was, therefore, extra special. They watched it for over an hour as it moved along the side of the road, seemingly oblivious to their presence and very engaged in sniffing out dinner.

There are two species of pangolin in South Africa, both of which are endangered due mainly to illegal hunting for their meat and scales. Pangolin scales are highly valued in traditional medicine and are used to treat a variety of ailments. Their meat is also considered a delicacy. Pangolins are a sought-after commodity on the illicit wildlife market.

Barbara and Andrew’s visit to Phinda was a once-in-a-lifetime experience. They were able to see some of the most elusive and endangered species in their natural habitat, all while enjoying the luxury and beauty of the reserve. They left with a reinforced appreciation of the incredible biodiversity of South Africa’s natural heritage.

Fancy a game of padel, anyone?

Written by Lyndsay Barr on . Posted in Play, Resources. No Comments on Fancy a game of padel, anyone?

This year we are focussing on trying new things and having different experiences because if we have learnt anything these past few years, it’s that life is too short not to live it fully.

Have you heard people obsessing over their newfound passion for padel and noticing padel courts popping up all over the place? So did we, so we decided to try it and can confirm that it’s devilishly fun.

Padel is a mix between tennis and squash. It’s usually played in doubles on an enclosed court surrounded by walls of glass and metallic mash. The court is one-third of the size of a tennis court.

Padel is a sport which combines action with fun and social interaction. It’s a great sport for players of all ages and skills, as it is both quick and easy to pick up.

Padel is not as dominated by strength, technique and serve as it happens in tennis and therefore is an ideal game for men, women and people of all ages to play together.

The game is quick and easy to learn, making it a fun and addictive sport to play. The service is made underarm using a short, stringless racquet with an elastic surface with holes and a low-compression tennis ball.

Shots are played either before or after the ball bounces off the surrounding glass walls, adding a unique dimension to the sport over conventional tennis. The scoring and rules are very similar to tennis, with the biggest difference being that the serve in padel is underarm and that balls can be played off the glass walls, similarly to squash. The rules allow for the use of the back and sidewalls, which results in longer rallies than in a conventional tennis match. Points are won rather by strategy than by strength and power.

Not many sports allow people of all ages to play together, but the good news is that padel is one of them! It is truly a cross-generational game.

If you would like to explore padel further, we suggest identifying padel courts in your area and finding out how to book a court and rent a racquet.

Do you play padel? Or is there another sport or physical activity you have discovered? If so, we would love to hear your story so that we can share it with other clients. Please get in touch with Lyndsay@charteredwealth.co.za.

Retirement Villages – Spotlight on Randjes Estate

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One of the major decisions people face when retiring is where they will live. The decision to move is an emotional one. Once the decision is made, many of our clients opt to move to retirement villages or estates. The traditional concept of retirement villages and estates has changed dramatically over the years, and the range of lifestyle activities and easy access to medical care and security now makes them an attractive option.

We will be interviewing clients who have chosen to live in various retirement estates around the country to learn more about their experiences. Please note that Chartered Wealth Solutions is not affiliated with, or sponsored by, any of the featured retirement villages, and the opinions expressed are that of the clients who live in these retirement villages.

About Randjes Estate

Randjes Estate in Highlands North, Johannesburg, offers a variety of independent and assisted living accommodation in their beautiful well established 42-acre estate. There are 204 Life Rights units on the property and 70 rental studio apartments. Their Mid Care (assisted living) accommodation can house up to 42 residents, and their Frail Care facility can accommodate 43 residents who require 24- hour nursing care.

Their Estate provides residents with a secure, vibrant, stress-free way of life amongst other like-minded people.

Their homes offer a lock-up-and-go lifestyle for independent residents while also providing the convenience of a range of support services. Click here to read more on their website.

Meet Randjes Estate residents Barbara and John Hyde

When Barbara and John put their names down for Randjes Estate, they were told to expect to be on the waiting list for anywhere between six and 10 years. However, 18 months later, they received a call to say that new apartments were being built, and the wheels were set in motion. Despite it being during the height of Covid in 2020, everything fell into place, and they managed to sell their house that they had lived in for 31 years and moved to Randjes Estate in July 2020.

They always knew that they wanted to live in a retirement estate. They never wanted to burden their children, and after suddenly looking for a place for John’s parents to stay years prior, they felt strongly that they wanted to choose where to spend their retirement years. They have two sons and two young grandsons, so moving to an estate close to their family was a deciding factor in choosing Randjes Estate.

Despite moving during the height of lockdown and not knowing anyone in the estate, as restrictions eased, they started getting involved in activities and have subsequently formed a tight-knit social circle. John always worried that when he retired, he would be bored, but their days are filled with activities that include long walks around the estate, playing bridge, and attending lunches and lectures. Their young grandchildren love visiting and riding their bikes around the estate.

Barbara and John have no regrets about moving to Randjes Estate. For them, it wasn’t an investment decision but rather a lifestyle one. Randjes Estate meets all of their needs and more. They couldn’t be happier.

If you live in a retirement estate and would like it to be featured in Inflight, please get in touch with Lyndsay@charteredwealth.co.za.

Dare to experience the unexperienced

Written by Kim Potgieter on . Posted in Kim's Blogs, Purpose. No Comments on Dare to experience the unexperienced

I am so grateful to welcome you into 2023, feeling refreshed and optimistic for what the year holds. A new year often brings new beginnings, renewed hope and a fresh perspective. I hope that you enjoyed a restful holiday period and filled your memory jars with many joyful and loving moments with your family and friends.

My habit has always been to start my new year by creating a vision board, and this year, I added something completely different – new dreams. My wish for the year is to step outside of my comfort zone and try something new and different every month.

You may remember reading the article about Jeff Lawrence who took early retirement to turn his passion for baking and bread into a business. He and his wife Sue moved to Wakkerstroom, where Sue now owns the Village Bakery and coffee shop, and Jeff runs Country Bread, supplying bread to local businesses and offering workshops on artisan bread-making.

Jeff is a true example of Retiremeant™ – living his life on his terms and in his own time. Doing what he loves. Not only does Jeff love bread – and to be honest, I don’t know anyone who can resist the smell of freshly baked bread – his passion shines through in everything he does. I was so inspired by Jeff and Sue’s story, coupled with my dream to experience different adventures and learn something new, that I booked a bread-making workshop for my family.

It was an absolute treat! And I’m not just talking about the smells and tastes. Bread-making, as we discovered, is quite a scientific process, and we learnt both the theory and techniques to bake the perfect loaf. Jeff was a wonderful host and teacher and managed to turn a workshop into an intimate bonding and fun-filled experience for our family.

With Gabi, my daughter going into Matric this year and my son Josh entering his final year at university, my dream of trying out, learning and experiencing something new every month perfectly fits into our family dynamic. For me, it does not have to be a learning experience. It could be doing something completely different just for the fun of it. As long as it’s something fresh and different – something I’ve never done before.

Maybe you have new dreams for 2023 too? I know many clients, like me, spend time at the beginning of the year drawing up their wish lists and goals, and editing their Bucket Wheels®. Why not add something completely different? Something unfamiliar and unexperienced? It may just enrich your world and add a fresh spice to life.

We have made some changes to our Inflight newsletter this year. In keeping with the theme of trying new things, we are introducing a segment where we share new experiences to try or things to learn. We are kicking off with padel since it’s taken the country by storm. We are also introducing a segment on retirement villages, and we will interview clients living in retirement villages across the country. Our book of the month is back, and we will review a new book, available in our client library, each month.

Wishing you many new adventures, fun, learning and fresh experiences this year,

Chartered events – 2022

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At the beginning of 2022, we were looking forward to hosting a combination of in-person and online events, and connecting with our clients – and the year didn’t disappoint.

We kicked off the year with a client vision boarding event which was a fantastic opportunity to set our goals and vision for the year. This was followed by The Jeremy Gardiner roadshow, which began in February with in-person events held in Johannesburg, Pretoria, Cape Town, Durban and Knysna.

Our first planned hybrid event was with Gareth Crocker; however, the Covid numbers increased dramatically, and the decision was made to make it online only, much to everyone’s disappointment. We have certainly not been short of great speakers this year, and clients enjoyed talks from Sean Brokensha — The Music Guru; Steven Sidley, who unpacked the world of Bitcoin for us; and Bruce Whitfield, who discussed how to thrive on the edge of chaos. Our Women’s Day event was a talk from author Helen Nicholson about her book Mindfulness: How to Stay Sane in an Insane World. Peter van Kets: adventurer, inspirational speaker and author inspired clients, regaling them with tales from his numerous extreme adventures and reminding us about the importance of leaving a legacy.

Financial markets have been a great cause for concern, so twice we hosted Victoria Reuvers, Managing Director, Morningstar Investment Management South Africa, who gave us market updates. Jeremy Gardiner, Director at Ninety-One, closed off the online events for the year in November, where he shared his insights into what the real concerns and opportunities are, and what is just noise.

It was wonderful to see our clients on the bowling green and golf course again this year. Bowls have once again proved very popular, and we have enjoyed three bowls days at the Bryanston Sports Club. A few clients have subsequently taken up bowls, which has been so encouraging to see. Our golf league is gaining momentum again, and we hosted golf days at Parkview, Wanderers and Randpark.

A new addition to our events this year was Bucket Wheel® Wednesday which we launched in June. We wanted to host smaller, more intimate events centred around the Balance Wheel, and they have proved extremely popular. Our first guest speaker was Alistair Meredith from Strauss & Co. who discussed a century of South African art in ten pictures. This was followed by a morning spent making sandwiches for Mandela Day in July, a walk around the Wilds in August, a writing workshop with Hamilton Wende in September, and a musical trip down memory lane with Sean Brokensha in October. Our final Bucket Wheel® Wednesday event for the year is a book club with Kate Sidley, where she will share her top picks for December reads, just in time for the holidays.

We are ending the year with a nostalgic trip around Johannesburg on the Red Bus, followed by lunch at Chartered.

We look forward to seeing you at our events in 2023!

Bread – one of life’s simple pleasures

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When Chartered client Jeff Lawrence took early retirement from Nedbank in 2016, it marked the start of turning his passion into a business. When he and his wife, Sue, decided to retire, there were three things they knew for sure.

Firstly, they wanted to remain physically and mentally active; secondly, they wanted to live off the money they earned in retirement; and thirdly, they would move permanently to Wakkerstroom, where they owned a property. So began Jeff’s journey from city to country, banker to baker.

Jeff has always loved baking and eating bread, and let’s be honest, the smell and taste of freshly baked bread are hard to beat. He decided to take his passion for bread and turn it into a business, and Country Bread was born. Initially, he wanted to master the art of bread-making so that he could supply local establishments with fresh bread. Over the years before retirement, Jeff read books and took bread courses locally and overseas to expand his knowledge, and a post-retirement highlight was spending his 60th birthday in the UK doing a four-day course for professional bakers.

His business soon expanded, and he began running bread-making courses in addition to supplying bread to local establishments. Currently, he offers fifteen artisan bread-making courses designed specifically to teach all the theory and techniques to make the perfect loaf. Think of any bread, and Jeff has likely developed a course in it ranging from sourdough bread to ciabatta to croissants; he’s got them all covered. He also has a course designed for families and friends as he believes that baking bread together as a family or with a group of friends is an excellent way of spending quality time together and learning a life skill simultaneously.

There is another side to his business as well —business consultancy. Jeff trains restaurants, bakers and boutique hotels in the art of bread making. These courses are customised to meet the business’s specific needs, typically lasting three to four days.

Sue and Jeff’s other activities are their holiday cottages in Wakkerstroom that they rent out, and Sue owns Village Bakery – the local bakery and coffee shop. Sue roasts her own coffee and also makes beautifully handcrafted leather bags.

When asked why he chose Wakkerstroom, he is quick to tell you about this hidden gem in South Africa. Wakkerstroom is the second oldest town in Mpumalanga and has become one of the prime bird-watching venues in South Africa. It is also well known for its cycling and walking routes, quaint shops and restaurants.

Jeff’s passion is contagious. Teaching the art of bread making is not a job for him; it’s his purpose and combines all the things he loves. But it’s not all work and no play. Jeff and Sue work on their own terms. They love exploring and visit the Drakensburg and Mozambique frequently. They like to go away at least every two months. Family is important to them, so they see their seven grandchildren as often as possible.

We always encourage clients to find balance in the areas of work, give back, relationships, money, learn, health, purpose and play. Jeff is undoubtedly someone who has achieved this balance. As Sheryl Sandberg says, “It is the ultimate luxury to combine passion and contribution. It’s also a very clear path to happiness.”

You can read more about Jeff’s courses at www.countrybread.co.za

When What If becomes If Only

Written by Kim Potgieter on . Posted in Purpose. No Comments on When What If becomes If Only

Instead of focusing on the ‘what-ifs’ that could possibly impact our lives in this second chapter post-Covid, I have found that clients are talking about ‘if onlys’. And not in a way that implies regret – these are conversations about living a more wholehearted life.

I have personally found this quote by New York Times best-selling author and host of the Rise Together podcast, Dave Hollis, extremely helpful:

“In the rush to return to normal, use this time to consider which parts of normal are worth rushing back to.”

Many clients do not want to revert to their old ways of being in the world. Values have shifted, visions have changed, and clients are talking and thinking about life differently. Life changes can be exciting, but it is essential to take time to properly and objectively plan the transition with a solid financial plan to enable it.

Tom and Linda are clients who embraced the concept of pausing, giving them time to reflect and plan their next chapter towards significance. Post-Covid, they were both ready for change. Tom no longer found his architecture business fulfilling, and Linda wanted to move on from her bookkeeping position. They both knew what they no longer wanted to do but were unsure about what to do next.

Often, in the search for significance, clients feel lost, unsure and overwhelmed with emotion. When you’re feeling overly emotional, you simply have to stop and pause, as the decisions or actions you take will almost certainly be flawed. Start by enlisting the advice of your Retiremeant™ Specialist, who will guide you objectively and help you plan the best way forward from a money and life perspective.

I shared the suitcase exercise with Tom and Linda. You may have done it before, but it is such a valuable exercise in times of change.

Imagine you are going on a trip and you can only pack the things that serve you into your suitcase. What you leave behind is as important as what you will take. This exercise helps you recalibrate and get a clearer picture of what is essential as you move forward. It’s about identifying more of what you want by editing what’s not working – and making space for new things. It’s also about reflecting and being grateful for what you do have.

The first thing Tom and Linda packed was their relationship. They are happily married and want to spend more time together. Tom decided to edit out being an architect and sell his business. Linda crystallised a new dream of becoming a life coach. To their surprise and after doing the maths, the Financial Plan showed that they had enough money to take a year-long sabbatical to figure out their next steps.

If you’re having If only thoughts, such as if only I could … change my work, live somewhere else, or do something that really inspires me – it may be time to meet with your Specialist and make your If only a reality.

I truly believe that life is too short not to live intentionally. Let’s make ours count.

In the month of December, you can read about clients embracing their retirement and turning their passion into purpose, ticking off Bucket Wheel® items along the way. We have also included a feature on the various hybrid and in-person events we hosted this year. Enjoy the read.

Return to self – Margie’s weight loss journey

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Chartered client Margie Kennard Davis reached a point where she was tired of feeling miserable. She disliked her body and felt conscious of how she looked; she was living off Gaviscon to try and control her heartburn; she had a sore body and couldn’t sleep. Hearing about someone her age suffering from a stroke and realising her high-risk factor, given her co-morbidities, should she get Covid was a tipping point for her, and she decided to do something about it.

Margie knew all about dieting and had tried every diet in the book. A few years ago, she signed up for the Real Meal Revolution Hero programme, which she began but stopped because she wasn’t committed. However, she was still on their mailing list, and after reading inspirational stories, she decided to give it a second chance.

She admits that, at first, she was sceptical and wondered what a group environment’s benefits could be. She was pleasantly surprised. She didn’t expect anything as structured and liked the intellectual and psychological approach to food and weight loss. As a curious person, she loves researching, so she felt she had a good understanding of nutrition, but the programme gave her the tools to implement it. The group environment was a non-judgmental, intellectual and supportive space.

A significant part of this journey for Margie was changing her identity and her relationship with food and, more importantly, believing that she wasn’t a failure because she had failed to lose weight in the past.

And it worked. Margie lost 27 kilograms in 27 weeks and is now the weight she was at 27! Margie was very active as a youngster and feels she has come full circle and is back in a healthy space. She has undone all the damage she did and described her transformation as returning to her true self. Her new physique is now part of her identity. She has been given her life back and shines; she likes how she now sees herself. What a gift that is.

Margie walks for an hour five to seven days a week; she does two pilates and two to three yoga classes weekly. She feels stronger, fitter, happier and healthier than she has in decades.

Click here to watch her interview with RMR on YouTube

Mindfulness – a way of perceiving, thinking, and behaving

Written by Lyndsay Barr on . Posted in Health. No Comments on Mindfulness – a way of perceiving, thinking, and behaving

Life can feel overwhelming, frantic and exhausting at times. Just think of everything going on right now, our unstable economy, load-shedding, and interrupted water supply, to name a few. And it’s impacting our happiness and health.

As our minds fill with chatter, our worldview becomes tainted and distorted, and our ability to be present is lost. Mindfulness is a way of paying attention to the present moment. You would be forgiven for thinking that mindfulness is just an activity; in fact, mindfulness is a way of perceiving and observing, and it can be developed using various tools. Some of these tools include meditation, exercises, and breathing.

Mindfulness takes us beyond coping and making do. To be mindful means paying attention to what is happening in the mind, body, and immediate environment and remaining present. It improves in response to a straightforward meditation practice that increases awareness of thoughts, sensations, and feelings.

Moreover, mindfulness is not complicated. The practice can be as simple as an awareness of a simple daily task, and it doesn’t have to take long. Feeling unsure how to start, try these simple one-minute mindfulness exercises.

Mindful breathing

This is a chance for you to step out of the daily grind and allow time to be present with yourself; that is, being present with yourself and whatever arises in your mind and body. Take a minute to observe your breathing. Breathe in and out as you usually would: notice the time between each inhalation and exhalation; notice your lungs expanding. When your mind wanders, gently bring your attention back to your breath.

Mindful walking

You can practice mindful walking any time as you go about your day. It’s good to try it slowly at first, but once you’re used to it, you can practise it at any pace – even when rushing. Walk slowly: become aware of the sensations in the soles of your feet as they make contact with the floor and any sensations in the muscles of the legs. You don’t have to look down at your feet. When your mind wanders, use the contact of the feet on the floor as an anchor to bring you back into the present moment. Just take a minute to focus on the sensations generated by walking.

Mindful eating

Eating mindfully can take us out of autopilot, helping us appreciate and enjoy the experience more. The next time you eat, stop to observe your food. Give it your full attention. Notice the texture: really see it, feel it, smell it, take a bite into it – noticing the taste and texture in the mouth – continue to chew, bringing your full attention to the taste of it.

Mindful listening

Taking this time out to tune in to your environment and listen to what it tells you will help you bring mindfulness into the rest of your life – bringing your awareness as you move through the day. Take a minute to listen to the sounds in your environment. You don’t need to try and determine the origin or type of sounds you hear; just listen and absorb the experience of their quality and how it resonates with you. If you recognise a sound, label it and move on, allowing your ears to catch new sounds.

As Thich Nhat Hanh said, “With mindfulness, you can establish yourself in the present in order to touch the wonders of life that are available in that moment.”

Breathe in. Breathe out.

Written by Kim Potgieter on . Posted in Health. No Comments on Breathe in. Breathe out.

I am often asked where I find the time to do everything I do: from being a wife and mom, running a business, doing talks and workshops, writing books, and going on fun adventures with my family. You may not buy into my answer at all, and when I tell people that one of my top life tips is meditation, I can almost feel them switching off. Most people believe that it won’t work for them.

Sometimes I do wish it was possible to stop time or hit the pause button on the speed of life. But we all know there’s no stopping time. Still, there may be a way to buy time by focusing on the present and reducing the repeating background noise in your mind.

To me, meditation is one of the most valuable tools in our fast-paced, modern-day life. I like to use the Chopra meditation App, but I’ve often heard people say the Headspace App works really well. It’s about quietening the thoughts that my brain can’t switch off. Remember that your thoughts become your reality, and you cannot allow the spiralling negative messages of worry, fear, anxiousness and despair to take control of your life.

The benefits of quietening the voices in your head are endless and there are many ways to still your thoughts: going for long walks, consciously finding joy in everyday moments, and simple deep breathing. These are all forms of meditation. As long as you’re prepared for a process rather than a quick fix. It takes practice. Don’t expect to be perfect at it. If you accomplish just being conscious of the thoughts in your mind and not allowing them to control you, you have made a good start.

Like you, I also did not think that meditation was for me when I first started and it did not work perfectly for me in the beginning. I struggled to see how I was ever going to quiet the voices in my head, from to-do lists, worries and stories that my mind made up. I decided to give it a good go, and each time I meditated, my brain got slightly quieter. I still don’t always get it right, and the to-do lists still pop into my head – even when I’m trying to block them out. But now I feel the difference when I’m not meditating.

I like to meditate early in the morning before my day gets busy, and I put aside 15 – 20 minutes to sit quietly. Most days, I use the Chopra guided meditation and other days, the transcendental meditation technique of repeating a mantra until my mind stills. My husband, Gys, has watched my morning ritual for years and now also meditates daily. He says it’s helped him look at his business differently with a more strategic outlook. Josh, my son, has also started and finds he can control his anxiety around exams much more.

I encourage you to give meditation a go! Just remember that you don’t need to be perfect at it. It may feel impossible at first but it gets easier over time.

Ladles of Love

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Chartered Client Claire Claasens firmly believes that if you have been blessed in life, you must support those less fortunate, and it’s a motto she has always lived by. For three and a half years (before Covid), she volunteered at one of the local schools in Vredehoek. Four mornings a week, she would assist in making breakfast for four hundred pupils, ensuring they got one balanced meal a day.

When Covid hit, and schools closed, Claire began assisting an organisation called Ladles of Love, something she still does today at the age of seventy-seven. Twice a week, she makes sandwiches that she delivers to a central depot and are then distributed in the community.

In six years, Ladles of Love has grown from serving seventy meals at their soup kitchen to one of the most prolific food charity organisations in South Africa. Today, they support numerous other community kitchens, schools, social enterprises, and NPOs with much-needed groceries and other goods, allowing them to reach out further and touch the lives of the vulnerable who need it now more than ever. They recently expanded and currently serve the communities in Cape Town and Gauteng.

Ladles of Love provides numerous opportunities for people to get involved. One way is through their Feed The Soil programme. Feed The Soil is a programme in which compost is made from household organic waste. Feed The Soil addresses the need for “zero-landfill” food waste and the need for Community Farmers to enrich their soil. This helps them grow better and more nutritious produce. You actively form part of their new urban farming ecosystem by purchasing and using their Food Waste Kit for R200.

People can also support the organisation through their sandwich campaign, by donating groceries or by actively volunteering. There is something for everyone.

If you would like more information about Ladles of Love, please visit their website.

Do you have something that you are doing to give back to society, or are you passionate about an organisation or cause you would like to share with us? We always love sharing your stories, so please email us if there is something you would like us to feature.

The gift of preparation

Written by Lyndsay Barr on . Posted in Retiremeant. No Comments on The gift of preparation

Growing up, my mother was always organised. She filed everything, never kept things she no longer needed, or thought we no longer needed (my childhood cuddle bunny being one of them) and generally has a practical outlook on life. Her name is Patricia, and she is often appropriately called Practical Pat. None of her daughters have inherited this trait, and she often despairs when she visits me, and there are only two toilet rolls in the cupboard, no long-life milk as a backup, and three lonesome teabags in the tin. We often laugh at her extreme practicality, but in truth, it’s one of the greatest gifts she gives our family.

Her practicality means that she is organised and prepared for most eventualities, including her and my father’s eventual death. Just writing those words sends shivers down my spine and makes me want to close my computer and walk away from my desk, but it’s inevitable, and I could not be more grateful that she is prepared. Being prepared has taken an enormous strain off my and my siblings’ shoulders. When the time comes, we know that she has done everything she can to make the transition to life without them as easy as possible by allowing us to focus on our grief and healing.

My parents became Chartered clients just after I started working there in 2020. My mother spent a lot of time collecting all the relevant documents and putting everything together in the Legacy File that Chartered gave her. Her preparedness means that no matter what happens in their old age, when the time comes, we will not have to worry about where important papers are kept or what they want us to do regarding their care and even their wishes for when they die. This allows us to be fully emotionally present with them now and in the future. This is such a blessing because there are no uncomfortable conversations to be had, only memories to be made.

On the other hand, I have a friend who lives overseas, and her parents live in South Africa. Her parents aren’t well, so she visited them recently. While we were having lunch, the topic turned to their death and what happens when they die. Her answers broke my heart. She has no idea. She has no idea what would happen to the surviving parent, no idea what money is set aside (if any ) for their care, no idea where they keep any important documents, no idea who the executor of the estate is, no idea if they want to be cremated or buried and no idea what the financial implication on her would be should they need care.

They are the most loving and kind family who have always communicated openly except about the uncomfortable topic of death. This is the time when my friend should be soaking up spending time with her parents and making memories; instead, it’s an anxious time filled with uncertainty and fear.

Please have these uncomfortable conversations and give your children the gift of being prepared; they will be forever grateful.

National Wills Week – don’t be daunted by relooking at your Will

Written by Kim Potgieter on . Posted in Retiremeant. No Comments on National Wills Week – don’t be daunted by relooking at your Will

September brings the gift of new beginnings, new life and renewed energy. I love immersing myself in the wonders of Spring that bring fresh rain, warmer days, and a bouquet of smells to my garden as the flowers bloom. It’s also a time for family gatherings and outdoor picnics, not to mention lovely candle-lit dinners (not a result of Spring of course, but our relentless load-shedding schedule).

The warmer weather and brighter days are reminiscent of the wonderful gift of families and loved ones. And with National Wills Week falling in September, we are also reminded that the greatest gift we can leave behind for the people we love is our legacy.

This month, even if this is the only thing you get done, I want to encourage you to ensure you have a signed and valid will and talk to your loved ones and adult children about your wishes. It brings so much peace of mind when your children know that your affairs are in order and that your wishes are in place.

Did you know that your will is invalid if you have not signed it? Surprisingly, only 30% of people proactively sign their wills. I recently listened to an interesting podcast on Maya on Money and learnt that 70% of all adults write up their will but neglect to sign it. There may be various reasons for this, but Maya believes that the mere thought of signing a will brings about a sense of mortality. Most people find it far easier to ignore this step altogether rather than bring death into their lives.

Part of being financially responsible is planning for death, and having your affairs in order is the biggest gift you can give to those dependent on you. I always recommend compiling a legacy file or ‘in-case-of-death’ folder. Having all your affairs in order, updated and valid, and sharing this with your family, should reassure you and should bring peace of mind to everyone close to you.

If you’re in any way hesitant or feel daunted by the prospect of relooking at your will, here are some tips to help you get started:

  1. Try not to complicate matters. Wills don’t have to be overly detailed, and the best wills are clean and simple. Reach out to your Retiremeant™ Specialist and work with the Legacy & Trust Team to assist you.
  2. Draw up or update your letter of wishes. There may be many details important to you – whether it’s something sentimental you would like to leave for someone special or instructions about your pets. All these very personal and often emotional instructions can be written down in your letter of wishes.
  3. If your will contains sensitive or personal information you would not like to share, don’t be afraid. Your will is not a public document until it is registered upon death.
  4. Think about the cost of winding up your estate and make sure you have the liquidity to cover your debt, executor fees and property transfer costs.
  5. Don’t burden anyone but a professional with the appointment as executor of your estate.
  6. Make sure to have an original printed will and sign it correctly with two witnesses (they may not be beneficiaries or your executor).

Lastly and most importantly: be courageous enough to have this brave conversation with the people you love. These conversations are so important, no matter how difficult they may be. This is your opportunity to outline your wishes, explain your thoughts and eliminate surprises.

Wishing you all the wonderful gifts of Spring,

Cold Water Swimming

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Article by Lise Day

As we grow older and realise that, in certain ways, we are turning into our parents, we may view this as a positive or a negative. My mother was not gracious about accepting help in her old age, so I am determined to accept help when it is offered. But there is another inheritance from my mother that I am embracing gladly. She was Danish, of Viking stock, and all through the freezing Orange Free State winters, she would swim ten laps of her pool every morning. Now at seventy-eight, I find myself in the Camps Bay tidal pool two mornings a week and have been through this winter. Apart from the well-documented effects of swimming in cold water, this pool is in such a beautiful setting that it is good for the soul as well as the body. The Twelve Apostles rise majestically in the North; Signal Hill is in the East, and the pool lies, an emerald jewel between the boulders and the ocean. I love it because it has a flat sandy bottom, you enter from the beach so there are no slippery rocks to negotiate.

It is important to keep moving in cold water. We “water blommetjies” have an aqua-aerobics instructor, the delightful Florence Poretti, who keeps us active with vigorous exercises. At the end of every class, she lines us up for a photograph in the style of a synchronised swimming team, sometimes with our noodles balanced on our heads, or whirling them around like a circus act. On Freedom Day, she brought rainbow-coloured umbrellas to support our nation. The pool itself is so varied according to the weather. Some mornings we are shrouded in mist which swirls around us, making the rest of the world disappear. On bright sunny days, the pool sparkles so clear, and we can see tiny fish and anemones below. The seagulls, cormorants and oyster catchers accept us as fellow wild things as they perch on the sea wall. One morning the pool was full of foam; we watched an Egyptian goose chasing her chicks out of the water as they looked as though they were going to get lost in the white billows. When I posted pictures of us swimming in the foam, some of my friends thought it was ice and snow and were really impressed!

It is much easier to do this in an encouraging group. There is a lot of laughter. We bob around in the middle of the pool while the serious swimmers training to swim to Robben Island, or such like, do smooth laps around the circumference. Although I have a wet suit top with a zip down the front, I have never worn it. It was made for me by Coral Wetsuits after a vaguely humiliating shop at the surf stores in Muizenberg that don’t really cater for large seventy-eight-year-old swimmers. Also, by the time you have got into a wet suit and contorted yourself to pull up a back zip, you will be far too exhausted to swim at all. I have a “scratch vest” to keep the sun off in summer and a “shark skin” top to wear in winter. The important thing in winter is to get warm after the swim. We have had gowns made with a secret pocket for car keys, long front zips and large enough to wriggle out of a wet costume underneath. Then I drive home with the car heater on high, and fine music playing loudly on the radio; it’s really exhilarating.

Recipe

Frozen Blue Daiquiri

Ingredients:

  • Fresh seawater at 9 degrees
  • (preferably high tide, but any tide will do)
  • Nine maidens, well-aged
  • A South-easter
  • Noodles
  • Bubbles
  • Madness
  • Mixologist

Method

  • Shell the maidens, peel back towelling.
  • Add the maidens to the sea quickly
  • Add the noodles
  • Listen to mixologist tending the bar
  • Balance the maidens on the noodles
  • Whip to a frenzy with the South-easter
  • Bubbles of laughter will rise to the top
  • Add a dollop of madness.
  • Beat for 30 minutes
  • Remove sluiced maidens
  • Wrap well
  • Enjoy!

When last have you embraced your childlike spirit?

Written by Kim Potgieter on . Posted in Purpose. No Comments on When last have you embraced your childlike spirit?

As my children grow older, each year brings new experiences and lessons. It’s almost a rediscovery of who they are and what they’re about – and I’m loving the process. As they grow and develop, I find myself growing too. We talk about new topics, we explore ideas more passionately, and we definitely experience things with added wonder and joy!

I spent the past ten days in Paris with my daughter Gabi, who turned sixteen not long ago. We decided to do, and share with each other, whatever makes our souls happy. Our purpose was to have as much fun as we could possibly fit into a day and embrace our childlike spirits.

Gabi’s dream was a daring adventure. She convinced me to reconnect with my inner child – and the scooter! I have not scootered in many years – but scootering through the inner city of Paris, weaving in between cars and pedestrians with Gabi by my side, made me feel like a teenager again. I have not laughed so much for so long in a really long time. Yes, we had some crazy scary moments, but being one hundred percent responsible and predictable was not on my agenda. I loved sharing this experience with Gabi, and in return, Gabi joined me in learning how to make macaroons. I’ve always had a passion for baking and cooking – and our macaroons did not have to be fancy. They just had to be fun!

Gabi also shared her passion for art with me. I gladly joined her on a visit to the Picasso Museum, and watching her immerse herself in her own art during our train journey to Amsterdam was a joy to see.

I have learnt that the simplest way to uncover what brings you the greatest joy and brightens your life, is to start thinking about what you loved to do as a child. Your inner child is very much a part of you. In fact, everyone has an inner child tucked away in their unconscious mind – that may very well resurface from time to time. But as grown-ups, we are often so busy doing grown-up things that we forget to nurture our minds and souls with all the things that made us laugh out loud as children.

So think back to when you were a child. Back when you did not have to be ‘responsible’, or overly serious, disciplined or practical. Back then you knew exactly what made you happy and what made your soul smile. Then you did not worry about societal expectations of what it means to be all grown up. Think back to those times – and then – do exactly that!

Finding joy does not have to be complicated. It could be the simplest things in life, like the smell of freshly baked bread, dancing in the rain or listening to your favourite song. We all did things as children that made us feel just right, exhilarated, or simply just peaceful.

Close your eyes and think back: what did you do as a child that made your heart sing? What made you laugh out loud?

It could be that reconnecting with your childlike self will bring you more joy – and laughter – than you ever imagined!

Freehold Title, Sectional Title or Life Rights – what’s best for you?

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When considering moving into a retirement village or estate, understanding the different types of ownership is essential before deciding what’s best for you.

  1. Freehold title
    Freehold or full title describes the transfer of full ownership rights when you own a property, including the building and the land on which it is built. These kinds of properties include free-standing houses, cluster houses, residential properties used for business purposes, and smallholdings. The freehold owner is responsible for all the bills and maintenance of the property, including taxes, insurance, upkeep, security, electricity and water bills. In addition, within gated communities like retirement estates/villages, there will be a monthly levy to cover services such as maintenance of the common areas, security, catering and healthcare. Some developments will retain a certain portion of the profits on resale to subsidise the levies owners pay.

  2. Sectional title
    Sectional title describes separate ownership of units or sections within a complex or development. When you buy into a sectional title complex, you purchase a section or sections and an undivided share of the common property. This is similar to a sectional title in a non-retirement development, where a monthly levy funds rates, insurance and maintenance of the complex. The scheme will have a board of trustees and a body corporate, through which all owners have a say in decision-making. As with a freehold title scheme, the developer carries no responsibility for the ongoing maintenance and cost management aspects once the development has been built; the onus falls on the owners or residents to do so.

  3. Life right
    You buy the right to live in a dwelling for your life and that of your spouse – you don’t own physical property. There are no legal costs, transfer duties or other taxes payable. You may dispose of your life right, or it will be sold on your death, in which case you or your estate will, depending on the contract, receive the purchase price plus a percentage of the profit. When a life right transfers to a spouse on the death of the first-dying spouse, it does not form part of the first- dying spouse’s estate. Residents, who pay a monthly levy to cover running costs, enjoy similar privileges to those in sectional title homes; the developer, however, remains the sole owner and is responsible for the upkeep of the village.

Watch Kim Potgieter in conversation with Rob Jones from Shire Retirement Properties discussing the different options. Rob founded Shire Retirement Properties in 2010 in response to a clear need for independent specialist consultants in the South African retirement industry. For more information, visit Shire Properties.

Where should I live- taking yourself with you

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A few years ago, I read this comment, which resonated with me, “When we question or think about where we will live in the next season of life, be reminded that happiness is an internal process, and we can be happy wherever we are if we have done the inner work”.

As a retirement life coach, the question of downsizing, buying into a retirement estate or staying where you are, is one I am often asked. It is one of the biggest financial decisions we make in this season of life, so it can’t be taken lightly.

Each person is unique, and circumstances differ for each of us. Here are some questions to consider and tips for making this decision.

  • Be clear about why you want to move and what options you would like to investigate.
  • Ensure that you and your partner agree with the options.
  • Discuss the possibilities with your Retiremeant™ Specialist
  • Are you ready to let go of some of your possessions and downsize?
  • Understand the different legal offerings.
  • Life Rights is a long-term lease with many benefits, but not all contracts are the same. Read carefully and understand the pros and cons.
  • If the possibility exists, experiment by selling your primary residence and renting in an area to ensure you are making the right decision. Many people have a romantic illusion about living at the coast, only to find it’s not for them.
  • Ask yourself the question about friends and family as these relationships form part of your life in a more profound sense during this season of life.
  • Analyse your current living costs versus the levies you will be paying.
  • We are living longer than our parents’ and grandparents’ generation. Are you looking to have two seasons in the same place? Firstly, as a lock-up-and-go and then settling into a community lifestyle supporting you as you age.

I sold my home and moved from Hartbeespoort Dam to Somerset West in late 2020. I decided to rent in a Retirement Estate so that I could understand the culture and the complexity of this move at this stage of life. I am 65, still working and wanted a lock-up-and-go environment, a safe place to sleep at night and an opportunity to experiment living in a new city and community. I have appreciated the support of the staff in finding highly recommended service providers and having access to some of the readily available support services like a laundry, a clubhouse, fibre, gardening, and cleaning. I live a full life outside the gates of the community but value the support of the staff in the community. The move was not easy, the early days were a challenge, especially since I knew no one, but I made an effort to treat this as an adventure and push through. Change gets harder as we age, so don’t leave it too late. I am happy I moved out of my comfort zone and into a wonderful new adventure, and I look forward to many more happy years ahead in the Cape.

Retirement Estates – Understanding your options

Written by Jason Appel on . Posted in Money. No Comments on Retirement Estates – Understanding your options

One of the major decisions people face when retiring is where they will live. The decision to move is an emotional one, especially as many people have lived in the same house for years, raising their families, so the thought of moving seems like severing ties with an old friend. Making the decision to move is often spurred on by health reasons, high maintenance costs, the desire to relocate to a different province, or the need for property equity to fund their retirement income.
 
Once the decision is made, many of our clients opt to move to retirement villages or estates. The traditional concept of retirement villages and estates has changed dramatically over the years, and the range of lifestyle activities and easy access to medical care and security now makes them an attractive option.

When deciding to move into a retirement village or estate, where applicable, one needs to decide on the form of ownership. The pros and cons of an outright purchase versus life rights and the long-term impact on one’s financial plan must be carefully considered.

There are upsides and downsides to both. Investing in a sectional title property allows an individual to remain in the property game. Life rights is an investment in a retirement development, which guarantees the holder a safe and secure home for the rest of their life. In the case of couples, the right to use the unit ceases upon the death of the second spouse or partner, and this right is inalienable.

There is often confusion about the differences. A Life Rights scheme differs from a Sectional Title or Full Title property in that ownership of the property is held by the Life Rights scheme owner/operator. Even though legal ownership of the property is not transferred to the occupant, a Life Right is sold under a secure legal framework, which essentially provides the occupant with all the legal protections of full ownership of the property during their lifetime.

Clients are often initially hesitant to consider Life Rights as they are concerned that it will be financially detrimental to them or their heirs in the long run, as units cannot be inherited. However, often after running the numbers, it becomes apparent that this is not necessarily the case. Because purchasing into a Life Rights scheme does not involve any transfer of property, no bond registration, transfer fees or VAT is payable, meaning there are very few cost barriers to entry. While residents of a Life Rights scheme enjoy similar benefits to sectional title owners, they have the added advantage that the developer remains the sole owner of each unit and therefore carries the responsibility for maintenance and upkeep.

Life rights are regulated in terms of the Housing Development Schemes for Retirement Persons Act 65 of 1988 (HDSRP), which also stipulates that the minimum age for purchase of Life Rights is age 50; however, some schemes have a higher minimum age. The terms of your life rights contract are extremely important, especially regarding the terms of re-sale. Your life rights contract must state what percentage of the purchase price will be paid to your estate in the event of death, bearing in mind that terms vary significantly from development to development.

Some schemes can include a refund of your initial investment plus a percentage of the profits on re-sale, while others provide for the repayment of a percentage of the purchase price.

The decision of if, when and where to move is hugely personal, and there is no one-size-fits-all approach, so we strongly encourage clients to start having this conversation sooner rather than later. Due to their increased popularity, Life Rights schemes often have a long waiting list. Some retirement villages and estates have an upper age limit, and some don’t offer the option of an outright purchase, so research is essential in finding what works best for you to ensure not only your return on investment but also your return on lifestyle.

Please get in touch with your Retiremeant™ Specialist if you have any questions or would like to explore your options further.

Where will you live in retirement?

Written by Kim Potgieter on . Posted in Money. No Comments on Where will you live in retirement?

You may not be ready for this conversation at all. Very few of us are. In fact, most clients I talk to dread this conversation. It conjures up the exact opposite of how we feel. We are human. We are all different, and we approach our thinking and planning differently. But having a plan for living on your own terms, in a place you choose, without having to depend on family to support you, will give you comfort and one less thing to worry about.

As part of planning your next chapter, I usually bring the topic of ‘where you see retirement villages in your plans’ to the table after age sixty – and it is not always well received. I am often told ‘absolutely not!’ Many clients have lived in their family homes all their lives. Home is where our memories are kept, our happiest moments are held, and our life stories are told. It’s an emotional decision and a very personal choice.

Because of their experiences looking after elder parents, some clients are apprehensive of becoming a burden to their children and are more willing to talk about it. But not now -when the time is right. In many conversations, I find one partner willing to consider the move while the other is against it.

There is no right or wrong answer. Where and how you will transition is ultimately up to you and how you see yourself living in future. To guide your conversations, I have put together the most important insights I have learnt from talking to my clients:

  • If you choose to move into a retirement village, don’t leave it too late. Make sure you have enough energy to pack up your home and enough vitality to make new friends. I have a client whose wife suddenly fell ill, and packing up all their belongings and memories alone turned out to be a very traumatic experience.
  • Do your homework and research your options well in time. None of us wants our adult children to decide where we should live.
  • Consider a life right property if you don’t have huge capital. Retiremeant™ Specialist Jason Appel wrote a very informative article in this newsletter explaining this option.
  • Moving house can be expensive with many costs: transfer, agent, packing and moving fees etc. But there is also an upside to downscaling. Living in a retirement village may also mean saving on rates and taxes, security, maintenance and living expenses. Consider your options and talk to your Retiremeant™ Specialist about the financial impact.
  • Consider allocating money for carers to assist you (if needed) when you decide to live independently or with your adult children.

We are all different. Don’t mould yourself into a living arrangement that does not suit your lifestyle – or your values. I have clients who long for a peaceful, quiet life out of the city, and other clients who feel rooted and comfortable exactly where they are. Some clients choose to emigrate or semigrate. Lynda Smith, who contributed to this newsletter, moved to a different town and has found immense joy moving from her comfort zone to a brand new adventure.

You may also find that you and your partner think and plan differently. Your timing may be off, and you may disagree on where to live. Don’t get impatient with each other, and keep the conversation flowing. Take the time that’s needed for both of you to feel comfortable and valued in the process.

Thinking about this transition also does not mean you have to move right now. It really is just about having a plan. Do the research, discover your options, explore possibilities and weigh the benefits and pitfalls. And above all else, make sure you are always surrounded – and interacting – with new friends and the people you love.

Make sure the road you travel and the home you choose are where you feel you belong,

Radical Acceptance

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Have you heard of the term radical acceptance before? In a nutshell, radical acceptance is a distress tolerance skill designed to keep pain from turning into suffering by accepting the facts rather than fighting them. In other words, it is what it is. By radically accepting things out of our control, we prevent ourselves from becoming stuck in unhappiness, bitterness, anger, and sadness.

Last year Chartered Client and retired psychologist Patricia O’Hare wrote an article for Inflight about radical acceptance; however, it was something she had to really put into practice recently when her husband, Kevin, fell ill. Kevin went from working as a doctor, something he loved doing, to being unable to work in a very short time. Overnight their lives turned upside down.

Patricia admits that there have been moments of self-pity, and it’s easy to forget radical acceptance, but when this happens, she reminds herself about the importance of mindfulness by maintaining a moment-by-moment awareness of her thoughts, feelings, bodily sensations and surrounding environment.

There are also things she does daily and weekly that keep her grounded and mindful – these are her tips:

Yoga

Patricia is a qualified Kundalini yoga teacher. Kundalini yoga is a form of yoga that involves chanting, singing, breathing exercises, and repetitive poses. She teaches several classes a week.

(Don’t be afraid to try yoga, you can start slow and build up – so no, it’s never too late to start.)

Podcasts

In the evening, while exercising, she listens to podcasts. She has always been a huge fan of music, and while she still loves it, she has found recently that podcasts make her reflective and give her things to ponder. She is particularly enjoying Oprah’s Super Soul podcasts and Brene Brown’s Unlocking Us.

(There are endless free podcasts on Spotify; best of all, Spotify works on Android and Apple products.)

Connecting with nature

Few things are as good for the soul as spending time in nature. When spending time at their home in Zimbali, Patricia goes for long walks daily, often off the beaten track, but this connection to nature keeps her grounded and gives her strength to face the uncertainty in her life.

What do you do to remain grounded in times of uncertainty? We would love to hear your tips to share them with all our clients.

Click here to view Patricia O’ Hare’s interview with Kim Potgieter on The Chartered Show

Don’t close the book when you can start a new chapter

Written by Kim Potgieter on . Posted in Relationships. No Comments on Don’t close the book when you can start a new chapter

If your life was your favourite Netflix series – would you stop watching halfway through? Will you put down a book by your favourite author and not read the sequel? If you loved Tom Cruise in Top Gun, would you watch the follow-on?

Most people I know would binge-watch a series on Netflix and were the first in line to buy tickets for Top Gun. There’s a certain amount of excitement and anticipation in knowing or seeing what happens next. But so often, when it comes to our own lives, especially after midlife and as we enter our later years, the enthusiasm and enjoyment seem to dwindle.

I believe it’s because of how we think and the words we use to describe this phase of life. Our words hold unimaginable power, and we achieve or become what our minds conceive and believe. If you are considering winding down your life and waiting out retirement, think again. This is not the time to close the book on your life. This is not the time to think that you don’t have an award-winning sequel in the making. Turn your thoughts around and start using words that will inspire you to eagerly anticipate what the future will bring.

I met a lovely couple in their mid-sixties last week who were busy winding down and waiting to retire. They were stuck in limbo – somewhere between having lived a good life and waiting out the rest. Sometimes all you need is a new perspective to turn around the lacklustre words in your vocabulary into a language that makes you want to turn the page. Midway through our conversation, the mood in the room visibly shifted when my clients said: Instead of just waiting to retire, we need to get excited about the new possibilities of our second chapter and write a sequel with a new beginning.

I love watching the shift in people when they realise that retirement is not the end but a new adventure in living – and the words they start using follow suit. I want to remind you how the words you use and the language you speak when it comes to your second chapter can impact what you achieve:

  • You are not old. You are a holder of knowledge and experience – and the keeper of wisdom.
  • You are not insignificant. Why not find ways to share your talents, skills and wisdom with the world.
  • Retirement is not the end. You have the rest of your life to live on your own terms.
  • Your purpose is not defined by your work. Your purpose can be whatever you want it to be in your second chapter.
  • Retirement does not mean you will never earn again. You can keep adding value, working and earning for as long as you want.
  • Don’t tell yourself you can only rely on one source of income. In this phase of life, it is possible to turn a passion into work, a hobby into a business and a dream into potential.
  • Retirement is not an ‘all or nothing’ scenario. Many people in the second chapter start to bring in other income streams and look at other ideas of work, like part-time work, charity work, mentoring or consulting.

When you start thinking and using words to describe the second half of your life as a new beginning, a world of possibilities opens up to you – new ways of adding value and renewed purpose. Choose your words carefully. How you think creates what you feel and become.

Your second half is the perfect opportunity to turn the page, start a new chapter and edit an unrivalled sequel for yourself.

Perfectly balanced

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When Chartered client Ronel Eloff took early retirement in 2005, she moved to Sedgefield and opened a B&B. After running the B&B for five years, she decided that it was time for a change and to focus her energy on something else. Always one keen for adventure, Ronel decided to take up line dancing, a hobby she enthusiastically pursued for a few years.

Next, she decided to try her hand at bowls, and it is here that she has found her niche. Bowls has opened up a whole new world for Ronel, and she has met so many people that she would never have otherwise met. Ronel is curious by nature (the number of books she reads is a testament to that), so whenever she meets new people, she makes an effort to get to know them. She is a firm believer in the fact that everyone has a story worth sharing.

Ronel practices or plays bowls daily, and this is because she was inspired by Malcolm Gladwell’s, The Outliers, a book given to her by her nephew. In the book, Gladwell proposes that 10,000 hours of practice is needed to master a skill, even for prodigies like Mozart. She is certainly making a good dent in clocking up those hours.

When it comes to The Wheel of Balance, Ronel is an excellent example of someone who strives to achieve it. She gives back through volunteering at the hospice shop every Monday; this is also something that gives her purpose. She stays fit and healthy by playing bowls and doing pilates. She explores her creative side by making quilts and nurtures her relationship by spending time with all the important people in her life. She never stops learning as she is always engrossed in some or other book.

Perhaps the segment of the wheel that stands out the most is the segment of play. Ronel loves life, having fun and trying new things. Recently she bought and learnt to drive a scooter, at 67 years old! The state of the roads was frustrating her, which spurred her decision to buy. Now she zoots around Sedgefield, easily avoiding the potholes.

Ronel is grateful for the life she leads. Furthermore, she is proud to say that she lives in paradise, which also happens to be the mosaic capital of South Africa.

Extract from The Last Road Trip

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Below is the letter that was read at Paul John Edward’s funeral, inspiring four friends to take their last road trip.

My name is Paul James Edwards, like most of us here, I was fortunate to live a life in which I managed to accumulate a certain amount of wealth. Enough at least to allow me the privilege of living in a place like this. There is no question that in almost every respect, Stone Well Estate is an Eden for people who have worked hard and now wish to live out the remainder of their lives in peace and comfort.

If not downright luxury. For those of you who don’t know, I came out here many years ago following the death of my wife. The truth is that her death hit me harder than seemed possible. So hard in fact that I was convinced that I would follow after her in no time at all. The way I saw it, there was no way I could carry on without her. Writing those words now, I realise how feeble that makes me sound. Like an old and sentimental fool. But it’s still the truth and I figure it’s too late in the day to start lying now. And so I waited to die. But the days still blurred into weeks. And the weeks soon came and went like autumn leaves being swept away in the wind.

One Christmas became another. And then another, for eighteen long years I waited. When I finally fell ill a few months ago and discovered the nature of my diagnosis, I felt only one thing; relief. My long wait was finally over. You see, I stopped living the day I came here, I made this place my prison.

Of course, I know what some of you are thinking. How can a retirement estate as beautiful as this one ever be considered a jail? But others among you will know what I mean. Trust me when I tell you that prisons can be made out of just about anything. Even a designer golf course, as it turns out.

It was only once I started to get really sick that I began to see things differently. I started to notice things that hadn’t occurred to me before. When I was young, retirement estates – or retirement homes, as they were more commonly called – were reserved for the authentically elderly. For the frail and lonely.

Folk who, for the most part, had become surplus to either their family or society’s requirements and could no longer care for themselves. But looking around at the people of Stone Well, a very different picture became clear to me. So much so that I began to question what I was seeing. I even decided to do a little research. Do you know that the average age of folk in our estate is sixty-three? The waiting list – and I know because I’ve seen it – has people listed in their late forties.

A few weeks ago, my condition forced me into the frail care unit for the evening. The nurse told me I was her tenth patient. I was a little confused by her statement, so I asked her to clarify. Was I her tenth patient of the day? The week? No. it turns out she had been working in the unit for four months already and I was only the tenth patient she had seen.

So what, I’m sure you’re wondering, is my point? Well, firstly, I’d like you to know how sorry I am for never really participating here. For not taking the time to get to know more of you. It’s no excuse, but you see, I was always waiting to leave. One does not bother making friends at a train station. Of course, now that it is too late to do anything about it, I realise how wrong I was and what a waste I made of my time here.

I like to believe that I am a better person than the one you barely knew. That the quiet man you saw sitting in his garden day after day was just a poor facsimile of someone who once had a great deal more to offer the world. But I guess you’ll have to take me at my word on that.

So why have I written this letter? Well, now that I have finally lifted my head, I can see that some of you aren’t so different. Maybe you think you are hiding it so well, but I see you, after all, I know the signs so well enough.

You’re waiting just like I’ve been. Maybe not for the reasons I was, but some of you have stopped living. There’s no question about it. And I’m asking you not to make the same mistake that I did. Sixty-three – hell, eighty-three – is too young for you to be waiting for the clock to stop if you still have health on your side. I can’t tell you how much I regret these past years. It burns me so badly now that I can barely sleep anymore.

Of course, maybe you are genuinely happy here. Maybe you enjoy your daily routines and have made close friends. Perhaps you have peace in your life. In that case, I am pleased for you and wish you well, but if you are anything like me and you’ve come here for the wrong reasons, then I urge you to do something about it. If you are living with regrets – with things that you have put away in a box but that maybe keep you awake at night – I want to tell you that you still have time enough to make things right. I was given eighteen years – it’s a damn lifetime – and I spent most of these days staring up at the sky. I can only imagine how it must have broken my wife’s heart to see me out on the porch, just waiting.

Thank you, Jack, for agreeing to do this for me. I was pleased to learn about your upcoming trip, I sense you have some unfinished business of your own. I hope and pray that you find the peace you are searching for, if that’s what your journey’s about. I also really enjoyed our brief time together and, of course, I’m sorry we never spoke more or shared a drink occasionally. I have a feeling that I missed out on a friendship that could’ve really meant something. Just one more thing to add to my list of regrets.

I know life isn’t a storybook. I also know that some of our mistakes are too far gone to be hauled back in. That maybe you lost things that will remain beyond your grasp. But I also know that my life would’ve been so much better spent if I had just been trying for something. And that, really, is the point of this letter. My final wish for all of you is that you realise, while you still have time, that it’s the trying that matters. Maybe It’s all that matters.

Here’s to life. And here’s to you. Thank you for listening.

Book Review

The Last Road Trip by Gareth Crocker
Reviewed by Jane Layzell Scully

Following the poignant death of a man they barely knew, four friends decide to make the most of what’s left of their lives. Abandoning the humdrum routine of life at their retirement estate, they embark on a thousand-mile road trip that will take them from the furthest corner of the Kruger Park to the blazing stars of Sutherland for the biggest adventure of their lives and one last hurrah together.

This book brings to life the characters who display so much compassion and empathy for each other’s struggles on this trip. They find joy in the small things they experience, knowledge about the places they visit across Soth Africa, and a deep and unexpected connection to each other.

This is a worthwhile read and made me think about what have I missed in my life and what can I change before it’s too late. I highly recommend this book.

Copies of The Last Roadtrip are hard to get hold of at the moment, but we are chatting to Gareth Crocker, who is trying to get hold of some copies. If you would like to get a copy, you can email Lyndsay@charteredwealth.co.za. Alternatively, you can download a copy from Amazon. There is also a copy available in our client library.

What are you waiting for?

Written by Kim Potgieter on . Posted in Play. No Comments on What are you waiting for?

If there’s one thing we’ve learnt from Covid, it’s that we don’t want to wait anymore. Realising how short and precious life is rocked us to our core. Waiting to hug, see our loved ones, visit our favourite restaurant, go to the movies or on holiday is hard. The restrictions to waiting are now finally over – for some.

I met Paul James Edwards on my recent road trip in the Karoo. It’s not that I met him in person – but I would have liked to have. Gareth Crocker, author of The Last Road Trip introduced him to me in his latest novel. Paul spent eighteen years of his life waiting after his wife passed away, and in his eulogy that Gareth shares with all of us in this newsletter, he talks about his deep regret of spending such a large part of his life simply existing – instead of living. It is a deeply personal, harrowing letter and a stark reminder not to put life on hold.

I read The Last Road Trip, while ironically being on a road trip in the Karoo this past April. Roadtripping is fast becoming my favourite way to travel. I just love the wonder and adventure, the feeling of complete freedom and how you can connect with the places and the people you meet along the way.

On this trip, we spent a few nights on an olive and sheep farm in the quaint, historic town of Prince Albert, situated at the foot of the Swartberg Pass. Surrounded by soaring cliffs, astonishing rock formations and vast open spaces, I cuddled up in front of a warm fireplace and immersed myself in this beautifully told story. The book starts with the death of Paul James Edward and tells the story of five friends living in a retirement village who decide to go on a road trip and make the most of their lives – and do everything they’ve always wanted to do, but never did.

It is a heartwarming life story that holds a powerful message for every age: many people are so busy waiting, planning for tomorrow, and holding off till the time is right that they forget to live for today. It challenges us to consider this poignant question: what are you waiting for?

Apart from this powerful message, I also found some beautiful reminders to live engaged – to live fully:

Make time for child-like fun.
One of the characters, Samuel, reminds us to liberate our inner child as he throws caution to the wind and absorbs himself in the music when he dances on top of a hill with his friends to Bruce Springsteen’s “Working on a dream.”

Time is precious.
In another section of the book, Samuel shares that there is no time to wait, especially when it comes to spending time with people you love. He says: “Friends we always want more time. Time to do the things we promised ourselves when we were young. To say the words that need saying. But so often our time runs out before we get the chance. Our deepest regrets are always the things we leave between ourselves and those we hold most dear to us. Our thoughts. Our fear. Our love.”

Find wonder in the stars.
Samuel’s stargazing experience makes you want to look up at the night sky. He describes it as: “the deep, black sky was now pulsing with colour, oscillating and twinkling like a jeweller’s mat daubed with gemstones.” There is wonder to be found in looking at the night sky and seeing a part of the universe. I also learnt that the best time and place to see the stars are in the Karoo at 4 am in the morning. Fortunately for me, that’s exactly where I was and what I did when I read The Last Road Trip.

Your life is waiting to be lived – what are you waiting for?
Paul, in his eulogy, encourages us to live fully when he says, “I know my life would have been so much better spent if I had just been trying for something.”

So, let’s have no regrets! Let’s stop waiting! Let’s plan our next trip, have that important conversation, spend more time with people who are important to us, look at the stars, dance on mountaintops and make each moment count!

Wishing you no more waiting and lots more doing,

BirdLife South Africa’s 2022 FLOCK CRUISE TO MARION ISLAND

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In January 2022, Lindsay and I were fortunate to be part of a cruise on the MSC Orchestra to the Prince Edward islands in the Sub Antarctic Indian Ocean, some 1920km southeast of Cape Town.

This was the “2021” BirdLife’s four-yearly gathering of bird-watching enthusiasts. The cruise liner MSC Orchestra can take over 3000 passengers, but it is believed that some 1400 passengers were on the cruise. A stressful part was ‘passing’ a PCR test some 48 hours before embarkation time and then testing negative in an antigen test at Cape Town docks! Our trip was not guaranteed until these steps had been successfully accomplished.

This, together with the rich diversity of birds and cetaceans in the area and surrounding ocean. Marion Island was declared a marine protected zone in 2013. The only permitted human inhabitants are the staff of the meteorological and biological research station run by the South African National Antarctic Programme. The MSC Orchestra was only allowed to sail up to 12 nautical miles from the island’s coast, and sadly we did not see the island because of low clouds!

The theme for the cruise was to raise awareness and funding for the ridding of Marion Island of mice that attack ground-nesting birds and threaten future breeding patterns.

The project entails air-dropping mouse bait capsules over the island using helicopters. The belief is that the mice, in turn, carry the bait into their burrows and expire there, thus not being seen as contaminated food by the seabirds. Similar successful projects on Gough and South Georgia islands provide impetus for the venture. While fund-raising has been in progress for some time, a total of R2,2 million was pledged on the cruise.

The large ship handled the Roaring Forties very well, with only minor sideways rolling. There was some rain and very high winds requiring the closing of decks. Though gloves, beanies and a rain jacket were worn, extreme cold weather clothing was not utilised though diligently packed as instructed!

Every day from 05h00, expert bird guides manned points on the outside decks and called in birds as they appeared on the horizon. A typical deck scene is shown here with ever expectant birders poised to catch a glimpse of a seabird as it zooms past the ship. The large ship enabled good photographing positions. The grey sea and fast flight of birds made photography difficult, and many blank and out-of-focus frames had to be confined to the dustbin!

A photographic lecture was delivered on board in which more appropriate and ultimately useful camera settings were proposed. The range of camera lenses on board was mind-blowing, with my 400mm lens being puny by comparison! A new development in mirrorless cameras was also very much in evidence. However, the jury is still out on whether the quality can equal the tried and tested single-lens reflex versions.

Daily lectures were presented by experts on various topics relevant to the nature of the cruise. The most prominent of these was by Peter Harrison MBE, widely known as the ‘David Attenborough of the Oceans’.

All in all, 58 seabird species were sighted and verified. There was always vigorous debate amongst the experts about some of the rarer species, and only clear photographic evidence was the decider. The voyage southwards went through the Atlantic Ocean convergence, where the warmer south-flowing currents mix with, the colder Sub Antarctic currents.

Given the abundance of food brought to the surface by the convergence, the large variety of seabird species made sightings highly rewarding. One widely-travelled seabird expert was heard to effuse about the “best albatross birding day he had ever had” and was quick to repeat ornithologist Robert Cushman Murphy’s 1912 quote: “I now belong to a higher cult of mortals for I have seen the albatross”.

Ten species of albatrosses were sighted, of which four were first sightings for us. It is a truly humbling experience to observe these majestic birds as they glide seemingly effortlessly above the waves.

The excitement of seeing a new species of albatross is profound and even more so when a rare species is seen. A particularly rare albatross that made two appearances was the Tristan Albatross (pictured here), which is more usually observed in the vicinity of Tristan da Cunha Island in the Atlantic Ocean. Its sighting caused great excitement amongst the ornithologists on board.

The photos shown below is an Indian Yellow-nosed Albatross which came close to the ship. Observing albatrosses taking off from the water is always a photographic treat to capture. They create puddles as they ‘run’ on top of the water to gather enough speed to take off.

Small numbers of King and Macaroni penguins were briefly sighted as they porpoised through the waves. Though not small in size, the penguins looked tiny given the height of the deck above the water.

In addition, petrels, storm petrels, diving petrels, shearwaters, and prions were sighted in the deep southern oceans, as well as jaegers, phalaropes, oystercatchers, terns, gulls and gannets closer to our local shores.

We were able to see 14 new species on this trip which took our total of photographed birds to 589 of the more than 900 species on the South African bird list.

Also observed in abundance were various cetaceans – six confirmed species of dolphin, eight species of whales, and two species of seals, together with sharks, manta rays, flying fish and even some turtles. Here is one of those lucky shots of a striped dolphin out of the water.

Our voyage into the southern ocean was a further viewing of the abundance of nature and how privileged we are to visit this domain. Given the dearth of landmasses in the south for nesting, action to rid Marion Island of mice to protect nesting sites and thus ensure the perpetuation of the magnificent array of seabirds is sorely needed. We were able to participate in the sponsorship of the Mouse-free Marion Project, and now our sincere hope is that sufficient funds can be raised to realise this. BirdLife SA is at the forefront of this initiative.

So, for us, Flock 2022 to Marion was a life-enriching experience fulfilling so much more than the Learn, Play and Give Back segments of Retire Successfully’s Life in Balance Chart!

Graham and Lindsay Wells
February 2022.