The March school holidays were around the corner but nobody could have envisioned the sudden staycation South African families are now finding themselves in the midst of. We’re all on a mission to flatten the CoronaVirus curve, through self-isolation and social distancing. So while the eight-hours of available child care many of us take for granted is no longer available, as schools and day-care facilities have closed – it’s time to put your game plan together for the next four weeks or so of being under home quarantine. To start, develop a #StayatHome Family Charter highlighting each other’s strengths and weaknesses - as well as defining each person's expectations during this time of being in each other’s space, while trying not to be in each other’s space. It will go a long way to stem any upcoming cabin fever. If you haven’t done so already, it’s important for you to discuss the situation truthfully with your family, especially your younger kids who might have a lot of questions. We may think they’ve been properly informed at school – but sit down as a family, stem the panic by watching useful videos - What is Coronavirus Covid19, How can we stop it from spreading and What are the Symptoms is a good place to start. South Africa’s official Coronavirus Covid-19 hotline – 0600 123456 - is the best source of contact and factual information to follow. Make sure you are doing this in an age-appropriate manner. Also, don’t be like Trump! Nip any discrimination or stigma about the virus in the bud. This is a great opportunity to teach our kids about tolerance. As the next couple of weeks loom large, try a few of these suggestions to make the most if. Set your daily routine! Many have advocated to keeping to a routine of waking up early and being productive, as per normal. Don't succumb to the natural urge of snacking on all the stock-piled treats, all at once. If you’re up for it try one of the many #StayatHome challenges doing the rounds on social media. Ratchet up 3 000 burpees in 30 days. If you can’t do 100 all in one go, break it up into four sets of 25 that you and the family can tackle together during the course of the day. Or you may just want to teach them the Art of Yoga. Get a couple of stretches in first thing in the morning. Balancing the act of working from home Defining your office work space is a good start. While it will be difficult to keep the little ones at bay most of the time - setting this up, together with a workable routine that includes a couple of the below suggestions is going really help those parents who have to work from home. Have older kids? Why not encourage their inner master chef by getting them to get a head start on cooking the family meals. Do they love pizza and pasta? No better time to learn to make it fresh at home. Sure, it will be messy but that will be half the fun. Schedule your entertainment From Netflix to DSTV Now, streaming services that allow logins on more than one device are going to really come in handy. Three-hour long The Irishman? No problem. But what else is good to binge on? Create a WhatsApp review group to share the top shows and series you’re watching. Also check out this jam-packed entertainment guide from News24. You can't go outdoors! reviously we advised walks on the beach - this is no longer possible stick to your yard and stay safe - sunshine and vitamin D are instrumental to maintain a good immune system and can certainly help in the fight against Corona. Go green in the garden It’s the ideal time to transition your garden for the change of seasons from summer to autumn. You can all get your hands dirty mulching the soil or preparing bulbs. Show the kids how easy it is to create a terrarium or teach them about the wonders of spekboom. Over the next couple of weeks, you can drive home the soil to table concept by getting some easy-to-grow veggie seedlings in the ground - and then harvesting them a bit later down the line. Reading books is a lost art While you might have your own personal must-read list of books to get through, you can certainly spend a couple of hours reading with your younger ones. For your older kids why not stimulate their critical thinking by first getting them to read a popular book and then watch the movie version. Get them to share the changes they've noted; which version they preferred and why. Free write some poetry or keep a journal Taking the time to journal is a great means of self-reflection, as well as working through things we think we’re not equipped to deal with. Poetic expression could also be a creative outlet for a rather bleak time in the world right now. Make an evening of it as you all recite what you've come up with to each other. No judgies, no pressure. It certainly can be an interesting point of reflection once all of this is over. Play “Elaborate reminiscing” Similarly, the art of conversation tends to take a back seat to virtual chats and online things. Tap into developing your children’s memories creatively by setting a specific play time to include reminiscing. Get them to describe various holidays or notable experiences they’ve shared in the past. Where were they, what did they see, can they describe the sights and sounds. How did it make them feel and why? Ultimately, it will give you all the opportunity to relive the moment. Organise all your digital photos If your phone's memory is taking strain, then this is a must-do. Delete the unflattering selfies, keep the good-hair day ones or quirky smile shots. Sort them according to the then-and-now moments you actually want to have printed and framed. Take a tik-tok challenge Yes, it’s the latest craze amongst tweens these days, but since you're getting them to experiment with things that you mostly prefer, there is no reason you can’t join in on their fun. From doubling up in a dance duo to landing a cool bottle flip in the most unusual manner – your home quarantine will give you enough time to perfect it. Learn a new language While you might have had to put an international trip on hold this school holidays, and with good reason – you can still keep the excitement flowing by learning the mother tongue of the destination you planning to visit at a later date. Download Duolingo – and practice the simple sayings with each other from standard greetings to simple questions like, “Have you washed your hands?” Finger paint or learn to do origami From little paper butterflies to the symbolic crane, it will keep little hands busy. Anything that stimulates the mind will go a long way in helping to ease the frustration and boredom of being in the same space for an extended period of time. Pick one room to do a complete make-over With all the beautiful, creative keepsakes you’ll be making – you can take it a step further. Throw-out the things that no longer ‘spark joy’ and replace them with the things that do. Before tackling the room, have fun by creating a DIY vision board. Solidify the theme and style and then assign an element of the make-over to each family member so it can be a family project to be proud of. Find a way to give back Many of us have the luxury of working from home or being more in control of this crisis facing us than most. It’s still possible to help out during this social distancing phase. #CoronaKindness has taken on a life of its own and you can get in on it too. If possible, start by giving your char paid time off so they too can self-isolate without worrying about paying the bills. Get all family member hands on deck to do the daily chores. Otherwise, check on an elderly neighbour to see if you can get their shopping list done for them – they’re said to be most at risk right now. The next couple of weeks won’t be easy, but we can do this. Article referenced from: https://www.property24.com/articles/how-to-keep-your-family-happily-busy-during-home-quarantine/29337
0 Comments
The arrival of the Corona virus COVID-19 to South Africa’s shores, as confirmed cases escalate, will only add to SA’s stalled economy, say experts. The economy shrank by 1.4% in the fourth quarter of 2019 – as consumers remain under pressure. This with an interest rate cut in January, with the possibility of a further rate cut in March (with a COVID-19 fallout to intensify this prospect) - as Moody’s is set to make a call on downgrading SA’s credit rating on 27th March. "We expect the virus' impact on the residential property market to be relatively small when compared to its effect on other key sectors,” says Andrew Amoils, Wealth Analyst for New World Wealth. He says sectors expected to be hardest hit by the virus will be “tourism, retail, mining, manufacturing and transport". Erwin Rode, CEO of Rode & Associates property consultants also added the virus that has already affected the world economy as productivity suffers - largely due to China's shutdown - is sure to be "bad for the property market" too. “In South Africa, it will affect some of our crucial commodity exports. What is bad for the economy, is bad for the residential and non-residential property markets, so it now seems likely that house prices will decline in nominal terms this year." “The only good news is the price of oil that has collapsed,” says Rode. A price war has erupted between Saudi Arabia and Russia, with Brent Crude down some 30% a barrel on Monday. Fuel prices dropped by 19 cents a litre and diesel by 54 cents a litre on 4 March – but it is expected to be short lived as Finance minister Tito Mboweni announced an increase in fuel levies for South African motorists during his Budget 2020 speech. The general fuel levy will be increased by 16 cents a litre for petrol and diesel, while the Road Accident Fund (RAF) levy will also increase by 9 cents a litre for petrol and diesel on 1 April 2020. Overall, Investec forecasts SA's economic risk has increased in the face of rate cuts and a poor credit ratings. Covid-19 is now expected to have a much greater impact on global economic growth than previously thought - with the International Monetary fund saying last week "global growth would dip below last year's rate of 2.9%". While Investec’s severe down case for SA includes the impact of a severe global pandemic, it says a number of other factors must be considered as well in the scenario, "which remains an international led scenario impact on SA". It would reassess the impact once more conclusive data becomes available at the start of April. "A global recession would necessitate a more severe downwards revision to SA’s expected case economic outlook. Moody’s includes a peer comparison basis in its rating of SA, and so an environment where all countries’ growth rates drop, and the IMF steps in with financial assistance, would likely need to be newly factored into Moody’s considerations." "We continue to believe that it will be a very close call whether Moody’s downgrades SA’s credit, but marginally lean towards the chance of no downgrade." Referenced from: https://www.property24.com/articles/coronavirus-in-sa-what-the-expected-impact-is-on-property-sales/29309 Working out how much you can afford when buying a property is simple. Use a bond affordability calculator to understand what you can afford when buying a home. An affordability calculator works out the home loan amount you can apply for. Your salary after tax, total monthly expenses, interest rate and loan term (years over which you will pay off your bond) are used to estimate the total loan amount you can afford with the monthly repayment amount. Using the affordability calculator As a general rule, you should look at spending no more than a third of your monthly income (after tax and deductions) towards your monthly bond repayments. Make use of a bond affordability calculator to understand what you can afford when buying a property. Calculate what you can afford using the Affordability Calculator. Using the bond calculator A bond calculator is used to calculate the monthly home loan installments and the interest added over the loan period. This will determine your affordability level by calculating your income against main bond variables and other monthly expenses. Calculate your monthly mortgage repayments using the Bond Calculator. Article referenced from: https://www.property24.com/property101/buyers-guide/what-home-can-you-afford/15278 |
SO WHY US?....1. Our core values of communication and transparency means that clients are never unpleasantly surprised during the process and what you see is what you get - great results, fast and friendly Archives
February 2021
Categories |