Podcasts about hollard

Vous avez remarqué ? En juin, dans les classes sans examen, les élèves sont parfois difficiles à « capter ». Alors comment motiver mes élèves après le dernier conseil de classe ?C'est la question qu'Entre profs a posée à Aurélie Hollard, prof de SVT en collège.Vous aussi, vous avez des questions ? Envoyez-les nous !Extra classe à partager et à écouter sur toutes vos plateformes d'écoute :https://smartlink.ausha.co/extra-classeExtra classe, des podcasts produits par Réseau Canopé. Réalisation : Simon Gattegno Interview et voix additionnelle : Myriam Jacquet Directrice de publication : Marie-Caroline Missir Coordination et production : Hélène Audard et Magali Devance Contactez-nous sur : contact@reseau-canope.fr © Réseau Canopé, 2025Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Pravin Kalpagé – CEO, Hollard SAfm Market Update - Podcasts and live stream

This evening we dive into market movements with PSG Wealth, we speak to the SA Oil & Gas Alliance about a R15bn gas deal that's raising some questions, Luno discusses a new Sars unit cracking down on crypto non-compliance, we speak to Hollard about its Africa growth strategy and concluding two major acquisitions, FNB discusses sustainability in grain farming, and we speak to E-DEED, a new online evaluation tool set to change the rural property landscape. SAfm Market Update - Podcasts and live stream

Hollard Insurance het sy borgskap van die Khomas100 hernu. Vanjaar se resies dien as beide die Namibiese nasionale gruisfietskampioenskap en die Afrika-kampioenskap. Voorts is vanjaar se wenners van ‘n plek by die UCI se wêreldkampioenskap in Europa verseker. Kosmos 94.1 Nuus het Anri Parker, organiseerder van die resies, gepraat:

The Courier Incubator, powered by Iveco, is a strategic collaboration with key partners including the Commercial Transport Academy, Hollard and host employers; The Courier Guy and Inter Town Transport.This initiative wants to create a supportive pathway for 56 young women from vulnerable communities to gain skills, experience and employment in the courier industry.  We have Delray Vosloo, Director at IVECO Trucks to tell us more about it.  See omnystudio.com/listener for privacy information.

Johann Pretorius form CRA Media - Junior Agriwriters Competition. 2024- Hollard is die Trotse borg. Hosted on Acast. See acast.com/privacy for more information.

My guest today is Christee Hollard, a two times team games athlete who is hoping to head back this year with CrossFit Torian Mayhem.As an ex field hockey player, we talk about similarities of the sports, if there is any, plus why she keeps going back to team, and her best open finish yet.As always, don't forget to like, rate and subscribe to be the first to hear all about our new episodes and content!Listen to the full chat now wherever you get your podcasts or on YouTube!For the best CrossFit equipment, head over to Murgs.com and enter ‘WOD15' at checkout for 15% off!You can support the Podcast and my work here - https://www.buymeacoffee.com/leahsherlockCheck out HAIRSTRONG for the strongest scrunchies on the planet - Use code ‘SHERLOCK' - Hairstrong.caFor all your recovery needs, head to THIRDZY - https://thirdzy.com- check out their products now, use ‘WODSleeper' for 20% off, and sleep easy!To make sure your mobility is at the top of it's game, make sure you're using pliability - get two weeks free here - https://pliability.com/targets/join?via=leahHead over to WOD Powders for the best supplements in functional fitness, get 15% off with our code 'LEAHS15' - https://www.wodpowders.co.uk/LEAHS15

Entries will open on 1st July 2023 open - Close 30th September 2023-Hollard is proud to sponsor the Farming Portal/Agricultural Writers SA junior communicator awards. Our 3rd year Hosted on Acast. See acast.com/privacy for more information.

Any South African who has spent an extended period abroad soon realizes that relative to the First World, their country's needs are great. Even modest “do-good” efforts which are likely to go unnoticed in the rich North, can make a significant difference in SA. Hollard picked up on this reality by introducing a cash-back incentive – providing a discount of up to 20% on premiums for those volunteers serving an hour a week at charitable causes. In this uplifting interview, Hollard's Warwick Bloom explains how it works, the reaction from clients and why the innovation also makes good business sense. He spoke to Alec Hogg of BizNews. Learn more about your ad choices. Visit megaphone.fm/adchoices

On Monday evening South Africa celebrated the happy reunion of eight-year-old Abirah Dekhta, who was kidnapped on November 4, when the driver of the lift-club that takes her to school was held at gun point. Abirah was found alive and physically unharmed on Monday evening after police recovered her from a shack in Khayelitsha. But research shows that kidnappings, particularly kidnapping for ransom, has become big business in SA over the past for years. Abirah's father, Aslam Dekhta, say the 11 days his family spent without Abirah were full of worry and among the worst of his life. He says, he will also be making another plan to get his child to school every day to ensure nothing like this ever happens to her again.Abirah's story is still a happy one. Over the last four years, kidnappings in SA have become increasingly deadly.Graeme Hosken, investigative reporter for TimesLIVE and Justin Naylor MD at IToo, an insurer who provides kidnapping for ransom insurance for Hollard, explain why this is. 

Speaking to Andries Wiese - former Head of Agri and currently the National Business Development Manager at Hollard. In this episode we get to touch on the following topics:How insurance works in the agri sector.Why farmers should have insurance.What to insure on your farm and why?The relationship between the farmer and the broker. Please rate and review this episode and subscribe to the podcast.Contact me at info@mbalinwoko.com

Die versekeringsmaatskappy, Hollard Namibië gaan nie vanjaar soos in Suid-Afrika die 2022 Daredevil-wedloop aanbied nie. By hierdie jaarlikse geleentheid hardloop mans in spitstyd deur die strate van Johannesburg, geklee in net pers swembroekies, om bewustheid te kweek vir testikulêre en prostaatkanker. Die jaarlikse geleentheid is vanjaar die eerste keer in twee jaar weer by die Dieretuinmeer. Sam Kauapirura, korporatiewe kommunikasiehoof van Hollard Namibië, sê aan Kosmos 94.1 Nuus hulle bied jaarliks plaaslike borskanker-en prostaatveldtogte aan.

Willie Lategan – groepshoof, Hollard

Hollard en N/a'an ku sê het ‘n vennootskap gesluit om mens-olifant-konflik in die Mangetti in die noordooste van die land te verminder. Dit behels die bou van watergate vir olifante sodat hulle nie boere se infrastruktuur beskadig in hul soektog na water nie. ‘n Navorser sal ook op die grond wees om die olifante deurentyd te monitor. Stigter van N/a'an ku sê, dr. Rudie van Vuuren, verduidelik aan Kosmos 94.1 Nuus.

Born and raised in Soweto, Thulani Sibeko is an enthusiastic, collaborative, optimistic and assertive marketer and business leader. Since graduating with a Bachelor of Science in Business Administration (Accounting Major) in 1992, Thulani has held different marketing roles in different industries and companies over the past 25 years, including Gillette, Polaroid, Procter & Gamble, Vodacom, Hollard and Nedbank. After serving as the Group Executive for Marketing, Communication, and Corporate Affairs at Nedbank for 6 years, Thulani joined the Standard Bank Group in January 2018, as the Head of Marketing and Communication for the Group. Since January 2021, Thulani has been the Chief Brand and Marketing Officer of the Standard Bank Group, leading the marketing and communication functions across 20 countries. He is a member of the Standard Bank Group Leadership Council (GLC). Qualifications: Master in Business Administration (Henley) Bachelor of Science in Business Administration (California State University, Sacramento) Graduate Certificate in Business Studies (Harvard Extension School)

Sansa overhears disquieting news of the battle, has a run-in with Sandor Clegane, and learns from an elated Ser Dontos Hollard that the battle has turned as reinforcements have arrived from the east in the form of the Tyrells, Tywin Lannister, and somehow Renly Baratheon. Simon and Mackelly mourn the missed opportunities.Chapter Review:Lancel Lannister brings news of the battle. Things are not going well. As the king was pulled back to safety, the men lost heart and threw down their arms. There are enemy forces at multiple gates, Tyrion is likely dead, and the defenders are outmatched. Cersei Lannister takes all this as evidence that Joffrey should be further withdrawn. Lancel objects but Cersei insists, smacks him in a wound in his side, and storms out.Sansa tries to reassure the frightened ladies, but then uses the opportunity to go to her chamber. Figuring some distance between herself and Ser Ilyn Payne is prudent. There she finds the Hound waiting for her. He offers to rescue her and take her north, but she'd rather take her chances here. He leaves. She takes a well-earned nap.She's awoken some time later by Ser Dontos who is cock-a-hoop with joy, but barely coherent. When she calms him down enough, it transpires that Stannis' forces have been routed by an army comprising Tywin's force from the West, and the combined forces of the Reach apparently (and puzzlingly) led by Renly.Characters/Places/Names/Events:Sansa Stark - Eldest daughter of Lord Eddard Stark and Catelyn Tully. Betrothed to Joffrey Baratheon. Captive of the Lannisters.Queen Cersei Lannister - Widow of King Robert Baratheon, twin sister of Ser Jamie Lannister. Mother of King Joffrey Baratheon.King Joffrey Baratheon First of His Name - Bastard son of Jaime Lannister and his twin sister Queen Cersei Lannister.Tyrion “The Imp” Lannister - Brother to Queen Cersei. Acting Hand of the King.Ser Dontos Hollard - Last member of house Hollard. Saved from execution on King Joffrey's name day by Sansa Stark. Ser Ilyn Payne - Executioner.Ser Lancel Lannister - Cousin and lover to Queen Cersei, spy for Tyrion Lannister.Sandor Clegane, The Hound - Member of the Kingsguard and personal protector of King Joffrey.Tywin Lannister - Father of Cersei, Tyrion, and Jamie.Stannis Baratheon - Claimant to the throne as eldest surviving brother of the late King Robert.Renly Baratheon - Younger brother of Stannis Baratheon. Believed dead, but apparently involved in breaking the siege of King's Landing.Support the podcast. Buy a bit of merch from our store. Or if swag is not your bag, buy us a Cup of Arbor Gold.If you like what we're doing, please consider rating and reviewing us at Apple Podcasts, podchaser.com, and anywhere else you can leave a rate and review.Join the discussion on our Discord server! https://discord.com/invite/FTy7BExyBQWe'd love to hear from you. Send us an email at ghosts.harrenhal@gmail.com. Also, follow us on Twitter @GhostsHarrenhal, Facebook, Instagram, and YouTube.All Music credits to Ross Bugden: INSTAGRAM! : https://instagram.com/rossbugden/ (rossbugden) TWITTER! : https://twitter.com/RossBugden (@rossbugden) YOUTUBE! : https://www.youtube.com/watch?v=kthxycmF25MSupport the show

Sansa sits with Cersei as the queen gets both news of the battle and becomes increasingly drunk. Sansa's heart almost stops when Cersei says she knows of Sansa's treasons in the godswood. Finally, Cersei reveals that Ser Ilyn Payne is there to remove their heads, if Stannis should take the castle. Simon and Mackelly scan the room for exits.Chapter Review:Sansa Stark sits next to Queen Cersei in the Queen's Ballroom of Maegor's Holdfast, along with the other highborn ladies. Osney and Osfryd Kettleblack bring updates regarding the battle. Both the King's Gate and the Mud Gate are under attack. That's too close for the queen's comfort, as King Joffrey is at the giant trebuchets inside the Mud Gate. She commands that he be brought back inside Maegor's Holdfast.The two ladies pass the time by Cersei explaining what being a woman is really like to Sansa. Tears and feminine wiles are a woman's weapons, she explains. She wishes she'd been trained to wield a sword, like her twin brother Jamie, so she wouldn't have to sit here so helplessly. But, despite being the Queen Regent of the Seven Kingdoms, she has little power to do anything aside from sit here with the other frightened hens, who she has little respect for.Sansa inquires about the plan, should the castle fall. Cersei says she will give herself over to Stannis, if Maegor's Holdfast holds until he arrives. If it doesn't, they'll be in for a rough night. However, later she reveals that she's kept Ser Ilyn Payne around in the event the castle falls. If that happens, Ser Ilyn will take their heads, yes Sansa's too. Cersei will not have House Stark benefit from the fall of House Lannister.Characters/Places/Names/Events:Sansa Stark - Eldest daughter of Lord Eddard Stark and Catelyn Tully. Betrothed to Joffrey Baratheon. Captive of the Lannisters.Queen Cersei Lannister - Widow of King Robert Baratheon, twin sister of Ser Jamie Lannister. Mother of King Joffrey Baratheon.King Joffrey Baratheon First of His Name - bastard son of Jaime Lannister and his twin sister Queen Cersei Lannister.Tyrion “The Imp” Lannister - brother to Queen Cersei. Acting Hand of the King.Shae - Tyrion's lover. Handmaiden to Lollys Stokeworth.Lollys Stokeworth - recently raped member of the court. Deeply scarred and rumored to be pregnant.Ser Dontos Hollard - Last member of house Hollard. Saved from execution on King Joffrey's name day by Sansa Stark. Ser Ilyn Payne - Executioner.Support the podcast. Buy a bit of merch from our store. Or if swag is not your bag, buy us a Cup of Arbor Gold.If you like what we're doing, please consider rating and reviewing us at Apple Podcasts, podchaser.com, and anywhere else you can leave a rate and review.Join the discussion on our Discord server! https://discord.com/invite/FTy7BExyBQWe'd love to hear from you. Send us an email at ghosts.harrenhal@gmail.com. Also, follow us on Twitter @GhostsHarrenhal, Facebook, Instagram, and YouTube.All Music credits to Ross Bugden: INSTAGRAM! : https://instagram.com/rossbugden/ (rossbugden) TWITTER! : https://twitter.com/RossBugden (@rossbugden) YOUTUBE! : https://www.youtube.com/watch?v=kthxycmF25MSupport the show

Sansa bounces around the Red Keep, as the battle starts beyond the city's walls. She prays for everyone, even Tyrion and the Hound. She draws the line at Joffrey. She meets Shae and takes her place in the Red Keep with Cersei, the other women and children, and Illyn Payne. Simon and Mackelly load the trebuchets.Chapter Review:Sansa Stark speaks with Tyrion Lannister before the battle. He muses that he should have sent her to Rosby with Tommen. Too late now. She still can't read his heart but is less sure of his animosity. Joffrey calls her over like a dog. He charmingly invites her to kiss his new sword Hearteater. She obliges and goads Joffrey to prove himself in battle. The narcissistic little coward ignores the barbs.She prays in the sept, along with everyone else who isn't fighting (and some who will be very soon). She muses on how the contradictory gods can possibly heed all the prayers. But takes solace in holding hands with strangers as they pray. When prayers for Joffrey begin, she gets out of there. She heads to the Queen's ballroom. En route she meets the Stokeworths who are struggling to get Lollys to accompany them. She's freaked out about something, and not easy to reason with. Eventually Shae and Lollys' sister Falyse manhandle her into the ballroom.Within, Sansa sits with Cersei and questions why ser Ilyn Payne is present, wielding Sansa's father's sword Ice. Cersei believes that they'll be glad of his presence should Stannis' men reach the doors. We're guessing not because he would be able to single-handedly hold them at bay.Characters/Places/Names/Events:Sansa Stark - Eldest daughter of Lord Eddard Stark and Catelyn Tully. Betrothed to Joffrey Baratheon. Captive of the Lannisters.Queen Cersei Lannister - Widow of King Robert Baratheon, twin sister of Ser Jamie Lannister. Mother of King Joffrey Baratheon.King Joffrey Baratheon First of His Name - Bastard son of Jaime Lannister and his twin sister Queen Cersei Lannister.Tyrion “The Imp” Lannister - Brother to Queen Cersei. Acting Hand of the King.Shae - Tyrion's lover. Handmaiden to Lollys Stokeworth.Lollys Stokeworth - Recently member of the court. Deeply scarred and rumored to be pregnant.Sandor Clegane - The Hound. King Joffrey's personal protector. Member of the Kingsguard.Ser Dontos Hollard - Last member of house Hollard. Saved from execution on King Joffrey's name day by Sansa Stark. Now working to get Sansa out of King's Landing. Support the podcast. Buy a bit of merch from our store. Or if swag is not your bag, buy us a Cup of Arbor Gold.If you like what we're doing, please consider rating and reviewing us at Apple Podcasts, podchaser.com, and anywhere else you can leave a rate and review.Join the discussion on our Discord server! https://discord.com/invite/FTy7BExyBQWe'd love to hear from you. Send us an email at ghosts.harrenhal@gmail.com. Also, follow us on Twitter @GhostsHarrenhal, Facebook, Instagram, and YouTube.All Music credits to Ross Bugden:INSTAGRAM! : https://instagram.com/rossbugden/ (rossbugden) TWITTER! : https://twitter.com/RossBugden (@rossbugden) YOUTUBE! : https://www.youtube.com/watch?v=kthxycmF25M Support the show

  A must-listen episode for anyone who is interested in integrating ESG (Environmental, Social & Governance) into their investments and taking an active, strategic approach to ensuring investee and portfolio companies drive forward the Global Sustainability Agenda. Yellowwoods is an investment firm and business-builder. They are driven by purpose and we explore how they're leveraging a range of tools, including procurement, supply chains, youth and inclusive employment initiatives, and regenerative agriculture to drive impact across entire industries. All of Yellowwoods' businesses were born in South Africa and many are now global multinationals and household names. This episode inspires, informs and serves as a call to action for investors and grant-makers alike to leverage commercial models and multi-sectoral partnerships for good.  Thank you for downloading this episode. For information on nearly 150 other podcast interviews, we invite you to visit our website at Lidji.org  

Our winner of the 2021 Junior Agri writers competition Gareth Wicks --- Send in a voice message: https://anchor.fm/johannpretorius/message

Skrywers jonger as 28 kan deelneem en die doel van die kompetisie is om landbou joernaliste te ontwikkel. Gareth Wilks het eerste gekom met sy “Poultry in motion: a chicken's guide to good choices” artikel. --- Send in a voice message: https://anchor.fm/johannpretorius/message

Skrywers jonger as 28 kan deelneem en die doel van die kompetisie is om landbou joernaliste te ontwikkel. Karen Truter was derde met haar " AGRICULTURE: WHO ARE YOU RAISING TO REPLACE YOU? artikel. --- Send in a voice message: https://anchor.fm/johannpretorius/message

For the last show of 2021, Kevin and Craig are joined by Shane Pride Radebe and Letsi Mailula from Ground One Coffee, a South African owned coffee business, an innovative coffee full-service distribution that were selected for Hollard's Insurance Big Ads for Small Business Campaign. _____________________________ Hosts details: Kevin Britz Lunchtime Series Host Business Owner, Leadership Facilitator, Training Specialist and Coach Leadership by Design Website: www.Leadershipbydesign.co Facebook: https://www.facebook.com/leadershipbydesignsa LinkedIn: https://www.linkedin.com/in/kevinbritz-leadership/ Instagram: https://www.instagram.com/kevin_britz/ LMI Licensee - www.lmi-smi.co.za Craig Page-Lee Facebook: https://www.facebook.com/craigp.l LinkedIn: linkedin.com/in/craig-page-lee Email: cpagelee@gmail.com Guests: Shane Pride Radebe & Letsi Mailula Website: www.groundone.co.za Email: info@groundone.co.za _____________________________ #kevinbritz, #CraigPageLee #LunchtimeSeries, #LTM, #Leadershipbydesign, #LTS

Guest: Liezel Van Der Westhuizen | Presenter at Talk Radio 702 / 567 CapeTalk With the Covid-19 pandemic still affecting so many industries, including Sports, Media, and fitness, our resident fitness enthusiast Liezel van der Westhuizen discusses the welcome awards that shine a light on warriors who did what they could to keep the spirit of sports and campaigns alive. She joins Wasanga to talk about the Hollard Sport Industry Awards and the amazing creatives, and teams that kept life in the vein of sports, media, fitness, and the hearts of many.   See omnystudio.com/listener for privacy information.

Hij is Indo van origine en groene baret gebrevetteerd. In 1961 wordt hij als KCT officier op vrijwillige basis toegevoegd aan het Papoea Vrijwilligers Korps. Lang verhaal kort: deze kerel is een man naar mijn hart. Lichting 53-2 in deze aflevering van de Mutsdas Podcast het levensverhaal van majoor buiten dienst Ben Hollard.Support 'Jouw Verhaal': https://stichtingjouwverhaal.nl/nl/jouw-verhaalSee omnystudio.com/listener for privacy information.

My guest is Olympian Tristan Hollard. I wanted to get him into the podcast to talk about his experience in qualifying, his training, and racing at the Olympics. 01:42 Holy Hollard!! 05:36 Reaching The Potential 04:01 Developing Discipline And Routine 07:56 It's Not Easy 09:43 It Changed My Life Completely 11:51 Is This What's Best For Me? 14:14 Changing The Attitude Towards The Program 18:45 Changing Your Headspace 20:37 Making It To Team 24:33 After Qualifying For The Olympics 28:38 Lessons From The Olympics 30:00 Expectations 32:44 Having The Best Swimmers In The World Around You 38:51 Mentally Reflective/Overthinking 40:58 Future Plans    

Olivia Curlewis, Registered Nurse & Service specialist at (The Cancer Association of South Africa (CANSA) on the importance of prostate cancer awareness in light of this past Friday's Hollard Daredevil Run in partnership with CANSA and the Prostate Cancer Foundation of South Africa towards awareness and screening of prostate and testicular cancer. See omnystudio.com/listener for privacy information.

Hollard said it had to implement a second premium increase as result of mortality experience exceeding expected experience across our entire funeral portfolio, over a period of more than a year. It affects the insurer's direct book of business - that's policies taken out over the phone and policies sold under the Kaizer Chiefs brand, but excludes any business sourced from partners such as Edgars and Jet. Phumi's policy document reads: “Hollard may increase the benefit premiums from time to time by giving you 30 (thirty) days' written notice of such increase.” “Unfortunately,” Hollard said, “the combined effect of the re-rating and the increase have resulted in a substantial overall increase. We realise that policyholders may be facing financial challenges in these tough times, and fully understand if anyone wishes to decrease cover in order to lower premiums. Take a listen as Wendy Knolwer thoroughly explains the importance of checking you funeral policy documents: ECR Consumerwatch

Hollard said it had to implement a second premium increase as result of mortality experience exceeding expected experience across our entire funeral portfolio, over a period of more than a year. It affects the insurer's direct book of business - that's policies taken out over the phone and policies sold under the Kaizer Chiefs brand, but excludes any business sourced from partners such as Edgars and Jet. Phumi's policy document reads: “Hollard may increase the benefit premiums from time to time by giving you 30 (thirty) days' written notice of such increase.” “Unfortunately,” Hollard said, “the combined effect of the re-rating and the increase have resulted in a substantial overall increase. We realise that policyholders may be facing financial challenges in these tough times, and fully understand if anyone wishes to decrease cover in order to lower premiums. Take a listen as Wendy Knolwer thoroughly explains the importance of checking you funeral policy documents:

In this special Women's Day edition of the BASA Podcast, we're putting the spotlight on the BASA Awards and conversations surrounding this year's them RISE. Womxn Rising brings together four fabulous women who have careers in the creative sector and business to talk about where women find themselves now and what is ahead as we take stock of the impact of the pandemic. How will we RISE? We asked children and women's rights activist, television producer and businesswoman Carol Bouwer, Hollard's Chief Marketing Officer Heidi Brauer, BASA Awards Chairperson, Khanyi Mamba and award-winning musician Thandi Ntuli.

In this special Women's Day edition of the BASA Podcast, we're putting the spotlight on the BASA Awards and conversations surrounding this year's them RISE. Womxn Rising brings together four fabulous women who have careers in the creative sector and business to talk about where women find themselves now and what is ahead as we take stock of the impact of the pandemic. How will we RISE? We asked children and women's rights activist, television producer and businesswoman Carol Bouwer, Hollard's Chief Marketing Officer Heidi Brauer, BASA Awards Chairperson, Khanyi Mamba and award-winning musician Thandi Ntuli.

Daniel L. Hollar, Ph.D. in Clinical Psychology, Chair of the Department of Behavioral and Social Science at Bethune-Cookman University and CEO of Daninger Solutions Inc., expounded on the impact of adopting main stream values while rejecting indigenous cultural values. He proffered solutions that can protect citizens from negative images of dominant cultures. He touched on various topics including traumas in the Black communities, benefits of building culturally competent officers, and the need to address mental health and suicides in the community. For immediate help, call 800-273-TALK (2755). Dr. Hollar can be reached at HollarD@cookman.edu "Racism, white supremacy is a criminal enterprise that's organized against Black people. And that kind of surmises it. So, no matter where you go in the world, the system is the dominant system that we are all operating under currently" - Daniel L. Hollar, Ph.D.

Commonwealth Bank says it would sell its Australian general insurance business to South Africa's biggest privately-owned insurer Hollard Group, marking the completion of a multi-year divestment strategy following a series of scandals.Australia's largest lender says it will sell CommInsure General Insurance, for an upfront cash consideration of A$625 million ($468 million), plus deferred payments.The lender says it expected the sale would deliver a post-tax gain of A$90 million and further increase its common equity tier 1 capital by about A$400 million, which according to analysts ups the odds that CBA will return extra cash to investors.CBA also expects to get a pre-completion dividend.

Never say die - those accounts that defy closure In last week's Consumerwatch we talked about the many Edgars account holders who've been battling for quite some time to close their accounts - in some cases those accounts suddenly came to life again last year with amounts for club membership, and service fees, when the account holders thought the account had been closed quite some time ago. The account chaos is the result of a whole lot of dramatic change for the 92-year-old iconic South African retailer, behind the scenes. Edgars has been sold by Edcon, which is currently in business rescue, to the Durban-based Retailability group, and its accounts management has been outsourced to RCS. As if that wasn't enough fragmentation, Hollard underwrites the insurance policies which Edgars has sold many of its account holders, their monthly premiums being paid via their monthly accounts. All in all, for many accountholders, settling the amount owing in order to close their accounts seems like an impossible task. That's mainly because those extra monthly charges, which get added to their account whether they buy goods or not - service fee, club fee, insurance premiums - keep being added for as many months as it takes for the company to process their cancellation request. Many just don't have the time or the energy to get to the closed account stage, and for many, especially the elderly, the stress and aggravation is dramatically affecting their quality of life. The issues include: Account was closed in store or via email, but not actioned Club fee memberships not being cancelled, despite requests Long delays in responding to account closure requests, with the result that the “value adds” keep on being added to their accounts” Being sent “from pillar to post” in trying to get closure So at the end of last week's show, after recounting a particular bad case of an elderly woman who had been handed over to debt collectors for an Edgars account she closed at a store. ECR Consumerwatch

Never say die - those accounts that defy closure In last week's Consumerwatch we talked about the many Edgars account holders who've been battling for quite some time to close their accounts - in some cases those accounts suddenly came to life again last year with amounts for club membership, and service fees, when the account holders thought the account had been closed quite some time ago. The account chaos is the result of a whole lot of dramatic change for the 92-year-old iconic South African retailer, behind the scenes. Edgars has been sold by Edcon, which is currently in business rescue, to the Durban-based Retailability group, and its accounts management has been outsourced to RCS. As if that wasn't enough fragmentation, Hollard underwrites the insurance policies which Edgars has sold many of its account holders, their monthly premiums being paid via their monthly accounts. All in all, for many accountholders, settling the amount owing in order to close their accounts seems like an impossible task. That's mainly because those extra monthly charges, which get added to their account whether they buy goods or not - service fee, club fee, insurance premiums - keep being added for as many months as it takes for the company to process their cancellation request. Many just don't have the time or the energy to get to the closed account stage, and for many, especially the elderly, the stress and aggravation is dramatically affecting their quality of life. The issues include: Account was closed in store or via email, but not actioned Club fee memberships not being cancelled, despite requests Long delays in responding to account closure requests, with the result that the “value adds” keep on being added to their accounts” Being sent “from pillar to post” in trying to get closure So at the end of last week's show, after recounting a particular bad case of an elderly woman who had been handed over to debt collectors for an Edgars account she closed at a store.

Sansa rendezvous with a would-be rescuer. Her Florian is not quite who she'd imagined but he'll have to do. On the way back, she bumps into Sandor Clegane drunk as a lord (the Hound, not Sansa). He tells her that a dog can always smell a lie, and she's the worst liar in King's Landing. Mackelly and Simon consider the canine polygraph test. Chapter Review: Sansa Stark has received a note telling her to come to the Godswood if she wants to go home. She's uncertain, but she really wants to go home. A maid almost spots the note, which Sansa then burns. She bides her time and sneaks out when the coast is clear. She imagines it will be some handsome knight determined to free her and right the wrongs. It turns out to be drunken Ser Dontos Hollard. She's not impressed. But he gives an impassioned speech about how she reminded him of what a true knight should be, and that he's determined to repay her by getting her home. He compares himself to Florian, the legendary knight who wooed Jonquil. Sansa is swept away and agrees to Dontos' as yet unfinished plans. On the walk back, she bumps into a drunken Hound. He escorts her back across the drawbridge into Maegor's holdfast. He says that he'll have a song from her eventually, and she agrees to sing for him one day. He calls her a liar and tells her that everyone in King's Landing is a liar and she is the worst of them. Characters/Places/Names/Events: Sansa Stark - Eldest daughter of Lord Eddard Stark and Catelyn Tully. Betrothed to Joffrey Baratheon. Captive of the Lannisters. Queen Cersei Lannister - Widow of King Robert Baratheon, twin sister of Ser Jamie Lannister. Mother of King Joffrey Baratheon. King Joffrey Baratheon First of His Name - Bastard son of Jaime Lannister and his twin sister Queen Cersei Lannister. Sandor Clegane - The Hound. King Joffrey's personal protector. Member of the Kingsguard. Ser Dontos Hollard - Last member of house Hollard. Saved from execution on King Joffrey's name day by Sansa Stark. Ser Preston Greenfield - Member of the Kingsguard. Ser Boros Blount - Member of the Kingsguard. Check out our merchandise store:  https://ghostsofharrenhal.threadless.com/If you like what we're doing, please consider rating and reviewing us at Apple Podcasts, podchaser.com, and anywhere else you can leave a rate and review.We'd love to hear from you. Send us an email at ghosts.harrenhal@gmail.com. Also, follow us on Twitter @GhostsHarrenhal, Facebook, Instagram, and YouTube.Join the discussion on our Discord server! https://discord.com/invite/FTy7BExyBQ All Music credits to Ross Bugden: INSTAGRAM! : https://instagram.com/rossbugden/ (rossbugden) TWITTER! : https://twitter.com/RossBugden (@rossbugden) YOUTUBE! : https://www.youtube.com/watch?v=kthxycmF25M Support the show

Richly blessed with world-beating nature trails, my first dose of outdoorsy soft adventure was on New Plymouth’s universally feted Coastal Walkway, the envy of many a New Zealand town. It was the perfect balmy autumn’s evening, and the shoreline trail was a hot ticket, with hundreds of folk lustily embracing a twilight stroll, as the slanting light of day’s end gilds the shoreline.The award-winning path which skims the Tasman Sea for 13km, not only offers celestial coastal vistas and world-class surf breaks, but is crowned with some compellingly large works of art. Keep walking north of the city to encounter the dramatic wave-like Te Rewa Rewa Bridge (freshly repainted), while Len Lye’s iconic breeze-bending kinetic sculpture, the Wind Wand, remains a much-adored city landmark.A botanical oasis at any time of year is the time-honoured sanctuary of Pukekura Park. Previously, I’ve savoured the city’s annual illuminated extravaganza, the TSB Festival of Lights, which transforms the park into a spangled wonderland. Transcending the summer holidays, Pukekura Park comes alive after dark with theatrical lighting installations and ingenious artworks.But regardless of the time of year, this inner-city paradise boasts exquisitely landscaped gardens, the lustrous Fountain Lake and a staggering variety of native and exotic plant collections. Change it up with an anecdote-rich guided tour to ensure you don’t miss the park’s star specimens and hidden gems, like the 2000 year old Puriri tree, the oldest hospital still standing in New Zealand, and a major film location for Tom Cruise’s The Last Samurai.Ever since our pioneering days, Taranaki has been nicknamed the Garden of New Zealand and I revelled in some of the region’s botanical stars, including Tūpare. Nearly 80 years old, the restored Chapman-Taylor Arts & Crafts homestead and garden is a stately sight to behold. Sculpted from a hillside overlooking the Waiwhakaiho River, walk the winding paths cut into the hillside for sigh-inducing vistas and intimate garden rooms.Grand coniferous trees such as dawn redwoods, kauri, rimu and giant redwoods set the framework for the garden. They are supported by beautiful deciduous specimens such as the dove trees, tulip trees and liquidambars – the autumn show at Tūpare is very special. Smaller trees, typically maples and magnolias, are favoured alongside rhododendrons, camellias, azaleas and hydrangeas, all carefully planted by Sir Russell Matthews in 1932.Further afield, in the shadow of Taranaki Maunga, Hollard Gardens is a botanical bucket-lister, a Garden of National Significance that was established in 1927 by Bernie and Rose Hollard, now in public ownership. Bernie believed that the best plants were the ones worth waiting for. The plant that he bred and was well known for was the Rhododendron Kaponga which took 12 years to flower.The gardens remain an abiding legacy of almost a lifetime of tireless work by a private individual. It is a quintessential woodland garden, a joy to leisurely free-roam. Head gardener, Shannon, led me around its finest features, from the mature and intimate Old Garden to the buzzing diversity of the New Gardens. Hollard has recently been accentuated by the wonderfully popular family corner, complete with playground, free barbeques and kitchenette.Just east of Eltham, I ventured to the barnstorming conservation success story at Lake Rotokare. Home to the Lake Rotokare Scenic Reserve, this sublime 230 hectare predator-free environment is a cradle of native and endangered flora and fauna. It is the largest lake and wetland protected by a ring fence, which was constructed in 2008. (Rotokare translates as “rippling water.”) Alongside the8km long fence, their pest-trapping programme has eradicated 12 million mammals, allowing 9 threatened species to be reintroduced to the sanctuary.They include the North Island brown kiwi, North Island saddleback, North Island robin and the Hihi/Stitchbird. The kiwi r...

On this episode we chat to Heidi about the Daredevil Run and what Hollard contribute to the fight against cancer in South Africa

Company updates from Sanlam, Standard Bank and Famous Brands reveal the impact of Covid-19 in Africa. Hollard Insurance in Namibia refuses to pay business interruption claims, despite the outcome of recent court battles.

Company updates from Sanlam, Standard Bank and Famous Brands reveal the impact of Covid-19 in Africa. Hollard Insurance in Namibia refuses to pay business interruption claims, despite the outcome of recent court battles.

In this episode of CISO Talk, James Azar hosts Grae Meyer-Gleaves, CISO at Hollard Insurance joins the show to talk about the cybersecurity talent pipeline and how internal training is critical to fill cybersecurity job gaps. Grae talks about attitude, problem solving and hard work as well as sharing the complexity on the supply chain. Grae shares how education, awareness and training are creating cyber resiliency within the human workforce.   Tune in to this amazing podcast and make sure to subscribe and comment Bio: Over 20 years experience across multiple industries in ICT leadership, consulting and management. Specialising in information security, risk management, business continuity, disaster recovery, infrastructure and architecture. Held senior positions with leading Global and Australian organisations such as Allianz, Fortinet, Westpac, QGC – A BG-Group business, BoQ, Data#3, Brisbane City Council and Wesley Mission Queensland. Career started with the Australian Army. Recent achievements include: • Implementation of full lifecycle threat and risk management for 3rd parties. Assessment, contracts (cyber terms) and attestation; • Establishment of an ANZ Security Operations and Intelligence Centre; • Gamified education and awareness programs including traditional supporting elements; • Leadership & management teams of people during crisis and incidents; and • Established and grown IT Risk, Compliance and Security teams & capabilities. Linkedin Profile: https://www.linkedin.com/in/graem/   CISO CONVERSATION WEBINAR SERIES:  https://mailchi.mp/cyberhubpodcast/whistic-webinar     The Practitioner Brief is sponsored by: KnowBe4: https://info.knowbe4.com/phishing-security-test-cyberhub  Whistic: www.whistic.com/cyberhub Whistic Solarwinds survey: https://www.whistic.com/solarwinds     **** Find James Azar Host of CyberHub Podcast, CISO Talk, Goodbye Privacy, Tech Town Square, Other Side of Cyber and CISOs Secrets James on Linkedin: https://www.linkedin.com/in/james-azar-a1655316/ James on Parler: @realjamesazar Telegram: CyberHub Podcast ****** Sign up for our newsletter with the best of CyberHub Podcast delivered to your inbox once a month: http://bit.ly/cyberhubengage-newsletter ****** Website: https://www.cyberhubpodcast.com Youtube: https://www.youtube.com/channel/UCPoU8iZfKFIsJ1gk0UrvGFw Facebook: https://www.facebook.com/CyberHubpodcast/ Linkedin: https://www.linkedin.com/company/cyberhubpodcast/ Twitter: https://twitter.com/cyberhubpodcast Instagram: https://www.instagram.com/cyberhubpodcast Listen here: https://linktr.ee/cyberhubpodcast   The Hub of the Infosec Community. Our mission is to provide substantive and quality content that's more than headlines or sales pitches. We want to be a valuable source to assist those cybersecurity practitioners in their mission to keep their organizations secure.

It's King Joffrey's nameday! He celebrates by being cruel and unpleasant. Sansa saves the hapless Ser Dontos Hollard with a little help from the Hound. The celebration is curtailed by the arrival of Tyrion with his mountain tribes. Simon and Mac join the festivities. Chapter Review: Sansa is escorted by Ser Arys Oakheart to the tourney for Joffrey's name day. En route, they speculate as to the meaning of the red comet that dominates the sky. The tourney is a pale shadow of Ned's tourney a few months earlier. The royal family is confined to the Red Keep for safety and so it's held in the small outer bailey. Since many of the noble houses are now in open or covert rebellion, the list of participants is also much diminished. The feeble jousts are enlivened by drunken Ser Dontos Hollard's arrival, sans pants and sans horse. Joffrey aims to kill him for sport but Sansa saves Hollard's skin with a bit of quick thinking, oddly backed-up by Sandor Clegane. Ser Dontos is pegged as Joffrey's new fool. Tyrion arrives with his mountain clans. He gives Joffrey some grief and offers and receives apologies from Sansa for the behavior of their respective families. Sansa is touched by his kindness, but reminds herself that he's still a Lannister, they're good at appearing kind. Characters/Places/Names/Events: Sansa Stark - Eldest daughter of Lord Eddard Stark and Catelyn Tully. Betrothed to Joffrey Baratheon. Captive of the Lannisters. Queen Cersei Lannister - Widow of King Robert Baratheon, twin sister of Ser Jamie Lannister. Mother of King Joffrey Baratheon. King Joffrey Baratheon - Bastard son of Jaime Lannister and his twin sister Queen Cersei Lannister. Currently King Joffrey Baratheon, First of His Name. Ser Arys Oakheart - Member of the Kingsguard, in King's Landing. Sandor Clegane - The Hound. Prince Joffrey's personal protector and now member of the Kingsguard. Tyrion Lannister - Youngest son of Tywin Lannister. Brother to Queen Cersei and Jamie Lannister. Bronn - A sellsword who fought and won Tyrion's trial by combat. Now Tyrion's friend and bodyguard. Timett son of Timett - Member of the Burned Men clan from the Mountains of the Moon. Confederate/captor of Tyrion Lannister. Catelyn Stark - Lady of Winterfell. Wife of Lord Eddard Stark and daughter of Hoster Tully, the Lord Paramount of the Riverlands. Jamie Lannister - Lord Commander of the Kingsguard. Twin brother to Queen Cersei and older brother to Tyrion. Nicknamed the "Kingslayer" for killing King Aerys Targaryen. Robb Stark - Eldest son of Eddard (Ned) and Catelyn (Cat) Tully. Newly minted King in the North. Check out our merchandise store:  https://ghostsofharrenhal.threadless.com/If you like what we're doing, please consider rating and reviewing us at Apple Podcasts, podchaser.com, and anywhere else you can leave a rate and review.Join the discussion on our Discord server! https://discord.com/invite/FTy7BExyBQWe'd love to hear from you. Send us an email at ghosts.harrenhal@gmail.com. Also, follow us on Twitter @GhostsHarrenhal, Facebook, Instagram, and YouTube.All Music credits to Ross Bugden: INSTAGRAM! : https://instagram.com/rossbugden/ (rossbugden) TWITTER! : https://twitter.com/RossBugden (@rossbugden) YOUTUBE! : https://www.youtube.com/watch?v=kthxycmF25M Support the show

Businesses in the hospitality and leisure sectors are finally set to receive business interruption pay-outs after a long, ugly battle with the big insurers. There are more large bills in sight for Santam, Guardrisk, Hollard and other insurers as owners of businesses in other sectors join the fight. Ryan Woolley of Specialist public loss adjuster, Insurance Claims Africa, has been at the front of the battle against short-term insurers on behalf of 'bullied' smaller companies. He speaks to Jackie Cameron of BizNews about what's next in the war between short-term insurers and their clients who thought they were protected by insurance policies.

Businesses in the hospitality and leisure sectors are finally set to receive business interruption pay-outs after a long, ugly battle with the big insurers. There are more large bills in sight for Santam, Guardrisk, Hollard and other insurers as owners of businesses in other sectors join the fight. Ryan Woolley of Specialist public loss adjuster, Insurance Claims Africa, has been at the front of the battle against short-term insurers on behalf of 'bullied' smaller companies. He speaks to Jackie Cameron of BizNews about what's next in the war between short-term insurers and their clients who thought they were protected by insurance policies.

Why celebrating collaborations that facilitate opportunities is more critical than ever. As South Africa tentatively adjusts to Level 1 of our national lockdown, BASA CEO Ashraf Johaardien remarks his surprise at the rapidity at which it occurred, with Hollard CMO Heidi Brauer echoing this and applauding South Africans' collective capacity for care and our gift for embracing change. This was the tone of the latest episode of the BASA Awards' podcast. When Samm Marshall sat down to speak to Ashraf and Heidi about their Awards partnership, front of mind were with the keen adjustments both organisations were compelled to make in light of current crucial needs and changes. This sensitivity to the appropriateness of an Awards ceremony during a time of great need in the creative sector was paramount to ensuring the Awards sustain their focus on being a platform that recognises success stories in business and arts partnerships. Concomitant to this was BASA and Hollard's overarching mandate to the arts sector, evidenced by both BASA's Artist Relief Fund and its associated fundraising efforts, as well as Hollard's redirecting of 50% of its sponsorship fund to the ARF. Listen to how these partners have tirelessly worked to present the 2020 BASA Awards as being truly representative of the overall tone of the creative sector today.

Why celebrating collaborations that facilitate opportunities is more critical than ever. As South Africa tentatively adjusts to Level 1 of our national lockdown, BASA CEO Ashraf Johaardien remarks his surprise at the rapidity at which it occurred, with Hollard CMO Heidi Brauer echoing this and applauding South Africans' collective capacity for care and our gift for embracing change. This was the tone of the latest episode of the BASA Awards' podcast. When Samm Marshall sat down to speak to Ashraf and Heidi about their Awards partnership, front of mind were with the keen adjustments both organisations were compelled to make in light of current crucial needs and changes. This sensitivity to the appropriateness of an Awards ceremony during a time of great need in the creative sector was paramount to ensuring the Awards sustain their focus on being a platform that recognises success stories in business and arts partnerships. Concomitant to this was BASA and Hollard's overarching mandate to the arts sector, evidenced by both BASA's Artist Relief Fund and its associated fundraising efforts, as well as Hollard's redirecting of 50% of its sponsorship fund to the ARF. Listen to how these partners have tirelessly worked to present the 2020 BASA Awards as being truly representative of the overall tone of the creative sector today.

BizNews — Insurance companies have refused to pay up for business interruption insurance, insisting that they are not liable for Covid-related shutdowns. But, a court has ruled against them. Instead of giving their clients what is owed, insurers have offered relief payments to some - with the caveat that they are not legally liable. In this interview BizNews founder Alec Hogg asks Willie Lategan, Hollard CEO, to explain the Hollard stance - and whether he thinks the insurance sector can survive this scandal.

BizNews — Insurance companies have refused to pay up for business interruption insurance, insisting that they are not liable for Covid-related shutdowns. But, a court has ruled against them. Instead of giving their clients what is owed, insurers have offered relief payments to some - with the caveat that they are not legally liable. In this interview BizNews founder Alec Hogg asks Willie Lategan, Hollard CEO, to explain the Hollard stance - and whether he thinks the insurance sector can survive this scandal.

BizNews — In today's news headlines: * SAA’s rescue plan is ready for implementation say the state-owned airline’s administrators. But funding still needs to be found, that’s according to Reuters which says the plan needs R10bn in new funds to work. * South Africa’s economy is likely to contract by 7.2% this year as a result of Covid-19 shutdowns - and growing debt repayments will hamper its recovery, says the International Monetary Fund. * Kenya’s biggest telecoms operator Safaricom - part-owned by South Africa’s Vodacom - has launched a programme in partnership with Google that allows its customers to pay for 4G-enabled phones in instalments. * RMB Attorneys – a legal firm representing over 340 business interruption claimants countrywide and those insured by South Africa’s biggest insurers including Santam, Hollard, Old Mutual and Guardrisk has slammed “interim once off” payments as a PR ploy.

BizNews — In today's news headlines: * SAA’s rescue plan is ready for implementation say the state-owned airline’s administrators. But funding still needs to be found, that’s according to Reuters which says the plan needs R10bn in new funds to work. * South Africa’s economy is likely to contract by 7.2% this year as a result of Covid-19 shutdowns - and growing debt repayments will hamper its recovery, says the International Monetary Fund. * Kenya’s biggest telecoms operator Safaricom - part-owned by South Africa’s Vodacom - has launched a programme in partnership with Google that allows its customers to pay for 4G-enabled phones in instalments. * RMB Attorneys – a legal firm representing over 340 business interruption claimants countrywide and those insured by South Africa’s biggest insurers including Santam, Hollard, Old Mutual and Guardrisk has slammed “interim once off” payments as a PR ploy.

Moneyweb Radio — Hennie Nel - finansiële hoof, Santam & Willie Lategan – uitvoerede hoof, Hollard Insure

BizNews — A deeply frustrated Duncan Heafield, owner of Bellezar Restaurant in Umhlanga, speaks to BizNews founder, Alec Hogg, about the bizarre state of affairs the hospitality industry has found itself in since the lockdown was imposed in March. Heafield has submitted claims against Santam, Old Mutual, Hollard and Guardrisk - referred to as 'the offenders'. All of these claims have been repudiated by 'the offenders' who are sticking to their guns that the lockdown was not caused by Covid-19, but rather that it was caused by the government. Having paid monthly premiums for business interruption insurance in excess of R8,500, Heafield cautions anyone considering taking up insurance to understand their policies very clearly and to ask the 'what if' questions. - Nadya Swart

BizNews — A deeply frustrated Duncan Heafield, owner of Bellezar Restaurant in Umhlanga, speaks to BizNews founder, Alec Hogg, about the bizarre state of affairs the hospitality industry has found itself in since the lockdown was imposed in March. Heafield has submitted claims against Santam, Old Mutual, Hollard and Guardrisk - referred to as 'the offenders'. All of these claims have been repudiated by 'the offenders' who are sticking to their guns that the lockdown was not caused by Covid-19, but rather that it was caused by the government. Having paid monthly premiums for business interruption insurance in excess of R8,500, Heafield cautions anyone considering taking up insurance to understand their policies very clearly and to ask the 'what if' questions. - Nadya Swart

The firm representing the businesses has calculated that Virus-related claims from just over 500 small South African firms battling insurers who have rejected them are worth up to 4 billion rand ($232 million). Loss adjustment firm Insurance Claims Africa (ICA) is pushing a host of big South African insurers including Santam, Old Mutual, Hollard and HIC Underwriting Managers to make payouts under business interruption policies sold to its clients. ICA CEO, Ryan Woolley, told journalists on Wednesday that its calculations showed the claims by the firms ICA is representing amounted to between 3.5 billion rand and 4 billion rand, though it had offered the relevant insurers reduced amounts to settle the matter. Learn more about your ad choices. Visit megaphone.fm/adchoices

MultimediaLIVE — In this edition of Business Day Spotlight, we look how how a new player in the insurance industry is attempting to reduce the cost and waiting times for insurance in SA through technology. Our host Mudiwa Gavaza joins Ernest North, co-founder at Naked, the artificial intelligence based insurance platform at their offices in Parktown, Johannesburg. In an insurance market dominated by large players like Hollard, Outsurance, Liberty and Old Mutual amongst others, Naked, has now entered the home cover market with its building and contents products as it continues its efforts to disrupt the traditional business model. The discussion also explores trends that will likely shape insurance over the next decade, economics pressures currently facing consumers, the role of technology in changing how businesses work and the advantages of using AI to detect fraud. Listen in to hear the full discussion and thoughts around these and other questions. Business Day Spotlight is a MultimediaLIVE Production.

CLB3X3 Basketball is coming to the Darwin Waterfront . Matt Hollard joined Matt Bern to talk it up. This will be great for Darwin. More details at www.territoryfm.com

DormStories speaks with Naomi Hollard, the leader of Sunrise Columbia. Sunrise is a climate change activist movement. They have an upcoming town hall this Saturday on the Green New Deal. We talk about the creation of Sunrise Columbia, Hollard's path into activism, and the fact everyone has something to lose from climate change.Subscribe on iTunes or Spotify.Support the show (https://www.paypal.com/pools/c/8aMaDhinpj?_ga=1.244341637.1251929505.1532452461)

Moneyweb Radio — Saks Ntombela - CEO, Hollard Group

On today’s episode we are joined by Lynette Hundermark all the way from Cape Town, South Africa! With over 20 years of experience in the tech, digital marketing and mobile solutions space, Hundermark co-founded specialist mobile solutions consultancy Useful & Beautiful. With a passion for developing digital products that are aligned to business goals, Hundermark’s appetite for keeping abreast of the latest industry trends has established her as an expert in digital, and is regarded as an opinion leader in Africa making her one of top 30 most influential women in SA digital marketing. She has appeared in Fast Company, Forbes, and is currently a finalist in the Regional Business Woman of the Year Awards (run by the Business Women’s Association of SA). Hundermark has created some of the most successful mobile solutions in Africa and has previously worked in the UK as an enterprise developer. Hundermark’s experience spans the petrochemical, retail, financial, entertainment sectors, with clients that include Engen, Ster-Kinekor, bidorbuy, Hollard, and General Electric. Currently she works with her company guiding leading brands in their digital and customer experience initiatives. Hundermark also speaks regularly at a variety of local and international tech conferences and is frequently quoted in SA and African media. She also spends her spare time supporting “Women in Tech initiatives” and mentoring app students at the University of Western Cape. We explore these hot topics! Pursuing a career in the male dominated industry of tech Motherhood redefining the kind of work Lynette wanted to do The importance of mentorship Work/life balance is “making all your worlds work!" “Give it 1000 days!” - On the length of time it takes to really figure out your path The landscape of technology in South Africa (Only 50% smartphones and extremely high data costs prompt development of very different tech solutions vs. USA) Connect with Lynette Hundermark: Website Useful and Beautiful Blog Twitter Facebook Instagram LinkedIn Join the Tribe! The wind is in your sails boss lady, but those waves are getting bigger and the beach is out of sight. As you shift out of the start-up phase, you’re feeling the pressure to continue growing, while needing to catch your breath at the same time. We’ve been there, have gotten through, and can help you get there too. From cultivating your client base, growing your team, managing finances, achieving the elusive work/life balance, or whatever keeps you up at night, our Members Circle community has your back. Join a group of smart, savvy and straight-shooting women who are here to answer your burning questions and help you take your business to the next level. Become a Member today! https://members.hatchtribe.com/ Connect with Hilary Johnson and Hatch Tribe: Website Members Circle Instagram Facebook

JacPod — In Brand Famous this week we welcome and interview marketing guru Heidi Brauer, CMO of Hollard and ex-CMO of Kulula, both great examples of off-beat brands that have achieved fame.

We're 100 episodes old*, so we might as well talk about death. Edwin is turning out to be our most philosophical user - you'll remember him from before. This week, we help him figure out what will happen to his investments when he dies. We know for sure every investor, trader, RA holder and homeowner will die. Why has it taken us 100 episodes to talk about the impact of death on wealth? Mostly because it's scary and we don't like to think about it. Estate planning is a huge part of financial management, especially for those who have already managed to accumulate some assets. It's moving up our list of priorities in a big way. Thanks, Edwin. *We did also smash an entire bottle of champagne while recording this episode to celebrate 100 weeks of The Fat Wallet Show. This podcast has been a transformative experience - personally, professionally and for our business. You guys surprise us with your frankness, insights and thoughtful feedback every week. You're a constant reminder that world is full of intelligent, sincere people who care about those around them, despite what we might think after 30 minutes on Twitter. Thank you 100 times over. You should come party with us on Wednesday to celebrate! Win of the week: Leonora thinks we could do better in the swearing department. Coming from the Cape, I find your swearing vocabulary very limited.  A four year old down here might know more choice words than the two of you combined.

Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Sign up here to receive an email every time a new show goes live. This is another themed-by-serendipity episode. Last week Edwin mailed with a dilemma: how do you choose between being a good citizen or family member and having money? Whatever you spend on your family, kids or pets or donate to charity is money not going towards your savings goals. Does that mean you should forego those things altogether? Money and morality are closely linked, but so is money and health, as Christoff pointed out. Having a lot of money but never having any fun is completely pointless. A lot of money at the expense of having children is not going to make you happy (if you want children). Sitting on a mountain of money and never helping anyone else is going to bankrupt you morally. Spending your life trying to get rich but neglecting your health is going to lead to sickness in retirement. What's the point of that? We discuss strategies to navigate these questions and completely fail to choose a winner for Sam Beckbessinger's Manage Your Money Like a F*cking Grownup giveaway. Something to look forward to next week! Win of the week: Jacques Kasselman. He found us by accident on iTunes and immediately panicked. After reading his mail I realised that he actually didn't need to panic at all. Where to start to get on track? I think the best thing would be to get rid of my debt of over R1500 a month, excluding interest on my vehicle loan. I started paying off my debt by having a liberty investment I had for 6 years (R500/pm - 1.67% growth above what I put in) pay out and pay off my most expensive debt first. That's R700 that can go to the next card/account and then the next and so on. Is this the right strategy or should I rather look for somewhere else to invest that money, eg. TFSA, ETF and slowly pay off the debt over time? The way I understand from what I have learned from you guys so far is get rid of debt, then create an emergency fund while simultaneously slowly starting to save/invest and increasing the savings/investing part as the emergency fund gets closer to 3 months salary. TFSAs SARS gives us R23,800 tax free interest already. Is it still beneficial to contribute to an TFSA at possibly lower returns if we are still far from reaching that limit? Saving the R500,000 cap for when one day we pass the R23,000 limit? Reaching the R500,000 limit would take about 15 years if you contribute the max of R33,000. As I am 34, I still have 31 years left if I am unable to retire early. PENSION My employer requires 22.5% pension contribution monthly, deducted from my salary (me=7.5% company=15%). At the moment its split between Allan Gray and the company fund. I plan on increasing the percentage towards retirement to max as soon as I can get the rest in order, or at least a little better. Stefan responded to Frank, who wanted to know where to keep his Lazy system cash while he waited for entries. I have four EasyEquities accounts and I get interest on all cash in my accounts. There's a cash management fee, so it's not the best cash account, but it's not like I'm getting nothing. Fred has an interesting question about TERs. He is invested in an Allan Gray Balanced Fund through a financial planner. The TER of the fund is 1.44%. In addition to that, he pays an admin fee of 0.40, an advisor fee of 0.50% and a management company fee of 0.79%. Just for the privilege of buying the fund he's paying 1.69%. I looked up the fund costs on the Allan Gray website, and I have some bad news. The TER is 1.45%, but excludes “other expenses” of 0.02%, VAT of 0.15%, and transaction costs of 0.07%. 3.38% total cost. The problem is, you don't see the TER. It costs you money, but you don't see the money. Pieter is putting his emergency fund to work. He banks with FNB, and he's really made the most of that infrastructure. I have a cheque account that my salary gets paid in. I have a bit of extra money to cover the "shit I did not budget for". I move most of my expense money to my credit card so it is positive. This earns me a tiny bit of interest and I win back quite a lot in ebucks. I have a linked savings pocket with 1 months expenses in it. It earns interest, has no account fee and money is available immediately. I am building up 3 months living expenses in a 32 day notice account that also earns interest and has no account fee. So the plan is: for small unplanned things, you just use money in your account. If the paw paw hits the fan I can live a month with my savings pocket money. When I start touching that money I can request "next months salary" from the 32 day notice account without incurring costs. If I can build up > 3 months in my notice deposit, I will move that to bond ETF or something that gives better return. This way I have no fees and costs, acceptable interest and money available now. Gerhard needs help with life insurance. I love your war on fees. It's helped me a lot in making my decisions around investing. Is there a similar type of thing in the life insurance side of the world? My life insurance is with Liberty, and it is fully a grudge purchase, but I do have 100s of children so kind of have to have something. Are there new style life insurance companies that you guys are aware of, like a 10X but for life insurance? I asked the 10X team and they didn't know of anyone. However, I did get some suggestions. Have a look at brightrock.co.za. It looks like a new school type of business, but it's majority shareholder is Sanlam. The other suggestion was FMI. They're a division of Bidvest Life. Craig Gradidge from Gradidge-Mahura investments said: The insurers who are "traditional" and reasonably transparent are Sanlam, Old Mutual, Hollard, PPS.  The 2 that integrate are Discovery and Momentum. With Brightrock benefits structure is still something they need to work on...as always, the answer of which is best is usually determined by client requirements, their lifestyle and health conditions, etc etc Poor Josh is stuck between a rock and a hard place with his RA. I recently started working at a Big Four bank I come from a company that used 10X as a provider. I didn't know how lucky I was back then. I am 26, so I need an aggressive portfolio. The fund options we have are somehow administered/managed by Old Mutual and the options are: Allan Gray global balanced portfolio - 51% equity allocation, 1% fee on SA based assets, and performance related fees of between 0,5 and 2,5% for foreign assets. I'm staying fucking far away from this one. Assholes. Coronation global houseview portfolio - 49% equity allocation, looks like a fund of funds so fees on fees will apply here, but doesn't look that bad. Still shitty though. Investec balanced fund - 41% equity allocation, 23% bonds allocation. Fees are reasonable at 0.54% for local assets and 0.75% for international assets. I ended up choosing this one due to the lower fees, but it's so conservative, so shitty. Nedgroup core diversified fund - 50% equity allocation, 7% bonds. Fees are good at 0,58%. But again, lower equity exposure. Actually looking at this now, this option looks the best out of a shit bunch. The rest are so shit they aren't worth mentioning. Think old mutual, Tanquanta cash pooled fund (yes, seriously). So, my question is - do I bite the bullet and just throw as much as I can at the Investec/Nedgroup funds, or maybe lower contributions to the least I can and then open a portfolio with a better RA provider like a Sygnia/10x etc in my personal capacity? I'm leaning towards the latter. But this would probably mean some complications come tax return time? I don't suppose I can go to a massive corporate's benefits department and tell them that my options are terrible, give me better ones? Jorge wants to invest in a living and guaranteed annuity, but he wants to know how to make that decision. What are the practical implications and values considerations should be taken into account when opting for both a guaranteed and living annuity? We have an excellent article on justonelap.com/retire about the difference between these products. Entries to win Manage your money like a fucking grownup by Sam Beckbessinger. We asked you for the one fact that changed the way you thought about your finances. Christoff's point is about health. When you realise that you need to save up for a potentially very long retirement (30+ years these days!), we do all this planning to ensure that we're “taken care of” financially, but what about our physical health? If we're going to live for another 30+ years after retirement, we'd be enjoying those years a lot more if we're fit and healthy, right up to nearly the end. I'm 43 and take good care of myself, but I look around at my peers (school friends, cousins, colleagues, etc of the same age-group) and a LOT of them already suffer from heart problems, hypertension, cholesterol, various forms of cancer, diabetes, and what have you!  It's very depressing to think of having the benefit of living in the 21st century, with enough technology to keep us alive for so many more years, when most of those years are going to suck! Just as compounding works for/against your finances, it does the same with our health.  Poor daily habits will eventually catch up with you, so we need to keep our attention on this very important factor if we're going to enjoy our hard-earned and cleverly-invested wealth. Phemelo found The Fat Wallet Show in January and has made massive strides in his financial life. I'm not all over the show. I have a financial plan and taking on the challenge of keeping the lifestyle cost the same to avoid lifestyle creep. My huge eye-opener was there are no shortcuts to this thing - baby steps. I've closed my overdraft, I'm starting to slowly chow the credit card debt, and I started paying my student debt. The next step is starting to slowly build the emergency fund. Ronel had an a-ha moment about fees If I can lower my fees on my Retirement Annuity, I can have sooo much more money. It blew my mind that if I get 10% growth, and inflation is 6%, there is only 4% left for growth (compounding) and if I pay 3% of 4% in fees, I will only get back what I put in (adjusted for inflation).  That is not my idea of a comfortable retirement .... So I moved my Retirement Annuities from Sanlam and Old Mutual to 10X. I am now on a fee witch hunt to cut ALL fees to the bare minimum :) John Morrison (our retired unicorn) submitted a vote for Khuliso, I think. When people speak about money I have realized that I must first determine their anchor point and their biases. Then I can adapt this information to my anchor point and confront my biases. Someone investing for future retirement is at a different point to another living off investments in retirement. I am truly inspired by Khuliso and their kota. Such an understanding of compound interest, time and lowering the cost of living. Really amazing! You can't help it if your parents were poor and you start poor, but with compound interest in a single generation everything can change. Well done Khuliso! With ABSA's WTF new minimum brokerage fees in ETF accounts (which is by the way more than a kota) we need to get behind EasyEquities and give them huge support. Is EE the only company that understands not to rip off the poor? Links to be included in show notes: Adam sent a link about the three biggest lies about passive investments. They are: People can't make their own decisions about which products to buy Very few investors have the time, knowledge or skill to invest their own money. The fees aren't as low as they claim Passive products available to retail investors in South Africa are still relatively expensive and not that much lower than actively managed funds. You don't get market return It is easy to compare the JSE/FTSE All Share Index returns with active manager returns and conclude that active managers are not worth their fees. The comparison is flawed. It does not consider risk and it also does not take into account that most of the growth from that index has come from one share – Naspers. I'm not going to tell you what to think about this. If you understand how these products work, you can make up your own mind.

Steve Eastin shares stories from his acting life, from his birth in a fatal car accident...to his movie career...to voicing a handyman named Red Hollard.

Les sciences dites exactes utilisent couramment des expériences de laboratoires pour produire des connaissances nouvelles. En sciences sociales les choses sont moins simples. Faire des expériences est plus difficile mais néanmoins possible. Il existe maintenant toute une série de techniques expérimentales, qui vont des expériences de laboratoire à la neuroéconomie. L'objet de cette intervention sera de montrer à travers des exemples simples les enjeux et les difficultés associés à l'utilisation des techniques expérimentales en économie.