Thursday 26 April 2018

Renunciation of Inheritance


Renunciation of Inheritance

Form Review

This form allows a beneficiary to renounce their legal right to benefit from an inheritance (either under a will, trust or through intestacy. There are a number of reasons why a person might wish to avoid an inheritance, particularly if the proceeds would only go to their creditors, or if it would drastically affect their income tax liabilities. This was a sensible option if the disclaiming party was an beneficiary by descent, whose own children would then take in his place and without the imposition of a gift tax. 
Once done, you cannot recover from this renunciation.  It may be wise to consult counsel before taking this step. At a later time in your life you may indeed regret this action.  So think carefully before giving your inheritance rights up.  Laws vary from state to state and change over time, especially on the subject of partnerships.  Before using this document, have a lawyer review it. Make multiple copies.  Keep one in a transaction file you should set up on the subject, if you do this. You can also modify this form for other forms of renunciation.




Renunciation of Inheritance


TO: Estate of Full Name of Deceased

The undersigned renounces any and all right, title or interest in and to any gift, inheritance, bequest or other property or assets of the Estate of __________________ ("Estate").

The undersigned acknowledges that the executors of the Estate will rely on this Renunciation of Inheritance in distributing the property and assets of the Estate.

This Renunciation of Inheritance shall be binding upon the undersigned, and his or her heirs, executors, legal representatives and assigns.


_________________________
Renouncer

Date:

_________________________

Witness
_________________________

Witness

_________________________

Witness

AID

That awkward moment when you need aid, approach places that fund young emerging entrepreneurs only to get hit on every time.

I am so over it. Like take us seriously.
By    |  April 19, 2018 10:32 AM EST 
Jessica Dime and Shawne Williams -Photo Credit Jonell Media PR
“Love and Hip-Hop Atlanta” cast member Jessica Dime has been getting much attention lately with her growing baby bump. I’m sure this trumps the past attention she was getting from bickering with former cast member Joseline Hernandez, known as the “Puerto Rican Princess,” who referred to Dimepiece as “dime/penny.”
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Recently, she celebrated her baby shower with her fiancĂ© Shawne Williams. There’s something different about their love. It seems very old fashioned and real.
Momma Dee, Deelishis, Stevie J, Mimi Faust, and Cierra – Photo Credit Jonell Media Pr via Steed Media
It wasn’t surprising that most of the cast of the show, including Mimi Faust, Rasheeda Frost, Melissa, Karlie Redd, Cierra, Bambi, and Karen KK King, showed up for this all white themed shower that took place at a very posh event space in Gwinnett county, Georgia. Shawne’s BFF Glen “Big Baby” Davis flew in for this event but someone didn’t give him the “all white” memo. Special guest Deelishis was also looking great and in the building. Karlie Redd was the life of the party and someone appointed her to be in charge of the girls when it came to the games. I’m not surprised; she had the girls playing pregnant Twister in stilettos. We can always depend on Karlie to keep things fun and entertaining.
Mimi Faust and the girls playing twista –Photo Credit Jonell Media PR via Steed Media
The food was provided by Atlanta’s Chef Isaac, who started his career providing deliveries of his speciality drinks to the rappers at their video shoots and on location for most private productions. He now has a private location in Atlanta and provides full catering services.
Yung Joc, Stevie J and Scrappy -Photo Credit Jonell Media PR via Steed Media
The decor was amazing and the pretty in pink theme was easy on the eyes and came as no surprise as this baby shower followed a big reveal party Jessica and Shawne had a week prior to the all white shower with the cast. Jessica Dime’s proud daddy was in the building along with Shawne’s mom, the proud grandmother-to-be and lots of their family members. Stevie J, Yung Joc, Sean Garrett and Lil Scrappy looked great and were being very supportive cast mates during the event.
Source:https://rollingout.com/2018/04/19/lhhatls-jessica-dime-celebrates-baby-shower-with-cast/#5

Another sad love song

Since you been gone
I been hangin' around here lately
With my mind messed up
Jumped in my car tried to clear my mind
Didn't help me
I guess I'm all messed up now baby
Soon as I jumped into my ride
Those memories start to play
A song comes on the radio
And there you are baby once again
Image result for toni braxton sad love song
It's just another sad love song
Rackin' my brain like crazy
Guess I'm all torn up
Be it fast or slow
It doesn't let go
Or shake me
Image result for toni braxton sad love songAnd it's all because of you
Since you been gone
I keep thinkin' about you baby
Gets me all choked up
This heart of mine keeps
Dreamin' of you and it's crazy
You'd think I'd had enough
As soon as I get you out my head
I'm in your car again
Just one request from the radio
I'm back in love sugar once again

Wednesday 25 April 2018

6 mistakes

6 Mistakes That Smart People Never Make Twice

by:Piyush Sharma

Everybody makes mistakes, as it is only human. But there are a very few among us who actually learn from our mistakes. The first step is to accept your mistake and make peace with it, and only then can you expect yourself to make a change.
This is what celebrated author Paulo Coelho has to say on repeating your mistakes,  “When you repeat a mistake, it is not a mistake anymore: it is a decision.”
Here are few mistakes that smart people never make twice, something that the rest of us can learn from:

1. Repeating The Same Mistake Again & Again And Expecting Different Results

Mistakes Smart People Never Make Twice That You Can Learn From© The Quote
As the founder of Amazon, Jeff Bezos has said, “If you double the number of experiments you do per year, you are going to double your inventiveness.”
You cannot get a different result if you put the same constants in the same equation. If you know smoking or drinking is making your health worse, then you need to quit it and not keep dreaming about quitting someday. If you want to change the end result, you need to change the input as well.

2. Spending Over The Budget

Mistakes Smart People Never Make Twice That You Can Learn From© AZ Quote`
Your friends might be planning a trip, but if you join them even though it is out of your budget, then you are in trouble. You might be having a serious problem of always being in debt. In simple words, you need to learn how to live under your means. Smart people never make that mistake twice. If they know skipping a latte can help them save Rs. 6,000 a year, then they will save it and will take the advantage of an opportunity of investing when it knocks on their door.

3. Losing Sight Of The Ultimate Goal

It is easy to lose sight of the big picture when you get busy in the daily schedule of your work life. You may skip working hard once in a while, come late to office or take a leave without informing on time. These could be some of the factors that may be taken into account at the time of your appraisals. Now, maybe getting a 50 percent raise this year was your particular goal but you lost the motivation to chase down the dream somewhere in between.

4. Playing The Victim

Mistakes Smart People Never Make Twice That You Can Learn From© Thinkstock
Take this particular relationship for instance. A partner in a relationship always acts as a victim and another one acts as the one who is given the responsibility to solve his partners’ problem. Do you think this relationship can thrive? Can someone solve your problems for you? No. The person who is trying to solve the problem in such situations often fails, as he is doing it for the sake of being acceptable or liked in favor of solving that problem.
After learning a lesson the hard way, smart people do not indulge in such a relationship or consider using such metrics to measure their happiness.

5. Trying To Be Someone Else Or Being A People Pleaser

Everyone knows that it is practically impossible to make everyone happy, also that it is a toxic practice. However, smart people know the importance of authenticity and very rarely change their behavior for the sake of pleasing the ones before them. The more authentic your behavior is, you’ll find yourself in a better circle of people who respect you.
For example, in Russia, people often speak out what they have in mind and not what they are expected to say, as per the culture followed in western countries. They prefer keeping it straight and honest, even if it sounds rude at first. They believe in speaking their mind and not what others want to hear. Now, you might be thinking how does that help them? Shouldn’t one be always polite? Well, such a level of honesty helps them in developing trust. They don’t tend to fake it just to be liked.

6. Trying To Change Someone Else

Smart people are fully aware that no one can change them besides themselves, nor do they possess the ability to bring about a major change in someone else

Verse of the Day

God has chosen you to make known among the Gentiles the glorious riches of this mystery, which is Christ in you, the hope of glory. We proclaim him, admonishing and teaching everyone with all wisdom, so that we may present everyone perfect in Christ.

Thoughts on Today's Verse...

Christ lives in me. Until I can become completely like him through the power of the Spirit (2 Cor. 3:18), he lives in me. Until I can go home to be with him he lives in me (John 14:1-21). Everywhere I go and everything I do, he is in me. Our goal is to have him formed more perfectly in us, not just live in us. Of course, that will be done by his power and through the gift of his Spirit!

My Prayer...

O God, may the presence of Jesus within me stir me to do your work today. May your abiding grace, through the presence of your gracious Son, call me to your character and your concerns. O Jesus, please make my heart like our Father's. Amen.
The Thoughts and Prayer on Today's Verse are written by Phil Ware. You can email questions or comments to phil@verseoftheday.com

Monday 23 April 2018

Dr Judy Dlamini

Dr Judy Dlamini Profile

Image result for Judy DlaminiDr Judy Dlamini (full name: Nobuhle Judith Dlamini) is a qualified medical doctor, an accomplished businesswoman with an MBA and PhD in business leadership, and an author who recently published a book title: Equal but Different. She is also the founder and executive Chairperson of the Mbekani Group, a company that has investments in different sectors of the economy such as health, pharmaceuticals, surgical instruments management, property, facilities and property management, tourism, and luxury fashion retail. Mbekani Group currently has a direct staff complement of over 150. Mbekani Group celebrated 20 years in business in 2016 as it was started in 1996.
Dr Judy Dlamini has held many different leadership roles in her business career including that of Chairperson of Aspen Pharmacare Limited (Aspen) a JSE-listed South African pharmaceutical manufacturer with an extensive global presence with product distribution in more than 120 countries.
Dr Judy Dlamini was born on the 06th July 1959 in Westville, Natal to parents who gave the qualities and values of hard work and resilience, but more especially the value of education as a way out of poverty.
The qualities they instilled would prove instrumental to her success. She learnt a lot from both her parents. From her father, she attributes the lessons in self-reliance and building one’s own destiny. The spirit of giving was another important quality taught by her parents which inspired her to make philanthropy an important part of her life.Image result for Judy Dlamini
She spends a great deal of time working on community projects, her family’s two latest projects Sifiso Community Centre named in her late son’s honour and Mkhiwa Trust.
The young Nobuhle Judy Dlamini knew from a very young age that she wanted to be a successful woman. She wanted to own property for capital appreciation and income, the example set by her father who apart from running a small painting business, also invested in property, building flats that could be rented out for income.
Her mother was a teacher who also supplemented her income with a second job running a tuck shop at a soccer field over weekends, with Judy and her sister assisting.
These secondary jobs were to shape her future business ventures, influencing her foray into both retail and property.
Dr Judy Dlamini qualified as a medical doctor in 1985 from the University of Natal. She achieved being a Doctor while already married to her high school sweetheart, Sizwe Nxasana and raising their firstborn child. She practised as a family practitioner for many years before consulting in Occupational Health for various companies, including Rainbow Chicken, Divpac (a NAMPAK subsidiary) and National Ports Operations.
Both Judy and her husband Sizwe Nxasana were passionate about business. Their first business venture was a bakery, located next door to her medical practice. They experienced a number of challenges in this venture and one of their major obstacles was raising capital. Dr. Judy Dlamini had to cede medical aid payments from her practice as well as the couple’s life policies to raise the R120 000 for bakery equipment.
After a successful career in the medical field spanning over 10 years, she felt a need to explore new terrains and get out of her comfort zone as a medical doctor. As she was contemplating that career move, something happened which clearly showed that it was indeed time to change. That change came in 1996 when she was mugged outside her medical practice.

In her late 30s, she enrolled for a Master of Business Administration (MBA) degree at Wits Business School, majoring in Corporate Finance. Upon completion of her MBA she joined HSBC Investment Bank, Johannesburg division, in Corporate Finance.
In 2012 tragedy struck the family when their son, Sifiso Nxasana (22 June 1984 to 3 Feb 2012) passed away. Following the passing of her son Sifiso, the family embraced the notion that life was too short to live in half measures. And it was then that Dlamini pursued her PhD.
She obtained Doctorate in Business Leadership from UNISA where she investigated the intersection of race, gender and social class in women CEOs’ career progression and strategies for gender transformation at leadership level. One of the academic contributions from her research is the WHEEL Theoretical Model. Her PhD also inspired her to write her book, Equal but DifferentEqual But Different is based on life story interviews from fourteen women from diverse backgrounds, all of whom have risen to top leadership positions. These include Phuti Mahanyele (exec chairman Sigma Capital), Coco Cachalia (CEO Grounded Media), Cora Fernandez (Head of Sanlam Investment Management), and Siza Mzimela (first black woman to lead a commercial airline company). It does an excellent job of illuminating the similarities as differences in the women’s experiences in their struggle to the top.
While this book is mainly aimed at women, it also calls upon men to play an active role in encouraging aspiring female leaders.
“It is my strong belief that people are born equal but different. It is a belief that equity across gender, race, social class and sexual orientation will be attained in my lifetime.” – Dr. Judy Dlamini
Equal But Different is featured in Exclusive Books’ Homebru 2017 Selection (a list of the best in South African writing), and it has already been reprinted to satisfy demand. Some of the books find their way into the educational arm of the business, like those donated to matric students in Umzimkhulu, KwaZulu-Natal, and to the schools that she and her husband, Sizwe Nxasana have established.

Dr. Dlamini serves on the Anglo American plc board as an independent non-executive director. Previous board engagements include Discovery Holdings, a JSE listed financial services company where she chaired the Remuneration and Transformation Committees, and Woolworths Holdings (JSE listed retail company). She is past chairman of the CEPPWAWU Development Trust, a public benefit trust. She and her husband are the founders and trustees of Mkhiwa trust, a family public benefit organisation with a focus in rural development and education. She is married with two grown up children.
Today Dr Judy Dlamini Dlamini owns and operates luxury retail stores Luminance and is chairperson of Mbekani Group, the business she founded more than 20 years ago.
That fledgling business – offering executive medicals to business people – has since grown into a diverse and successful entity with operations and investments in property, retail, facilities management, health management and medical devices. Mbekani Group now directly employs 120 people, the bulk of them being women.
The family’s education business, Sifiso Learning Group is led by her high-school sweetheart and husband Sizwe Nxasana, former CEO of FirstRand. It includes the online education business Sifiso Edutech, Sifiso Education Properties, Sifiso Publishers and other divisions.
What the future holds 
True to form, Dlamini has a five-year plan, both for herself and her business.
The bulk of this year, she says, will involve road shows for Equal but Different.
“It is easy to sell something you completely believe in, and that’s what I am selling; a conversation about gender equality. It’s a passion of mine that the book has allowed me to live.”
Next year, another book (on entrepreneurship) is on the cards.
“At a personal level I would love to spend some time lecturing and writing books. I would especially like to lecture on entrepreneurship and women issues.”
That doesn’t mean a sabbatical from the business. “When, for instance, you lecture at a business school, you are best as a lecturer when you are still active in business,” she explains.
Switching to her plans for her business, Dlamini says she would like property and facilities management to be the main contributors on the operational side. “With people on the ground, both are relatively easy to manage as opposed to the other aspects of the business,” she says.
The bulk of the business in terms of value is property, comprised primarily of commercial assets located in Gauteng. That might soon extend to residential assets.

Future Nation Schools Book Fair and Literary Festival

On the 30th September 2017, the founders of Future Nation Schools, Dr Judy Dlamini and her husband who is also chairperson of NSFAS and the National Education Collaboration Trust, Sizwe Nxasana, donated more than 25,000 books worth more than R12.5 million to Walter Sisulu University (WSU). The donated books focus on business sciences and computer sciences, as well as genres ranging from fiction, action and adventure, self-help, health, religion and spirituality, history, poetry, and encyclopaedias, dictionaries and biographies.
“The effect of this generous gift is immeasurable. It constitutes an entire library collection which will supplement our holdings across four campuses and will open fresh opportunities for our students to explore. Walter Sisulu University is most grateful for this kind gesture,” said Professor Rob Midgely the vice chancellor of Walter Sisulu University.
In addition to the WSU donation, Future Nation Schools also donated a total of R220,000 towards bursaries and the purchase of books to five schools in Alexandra Township who are part of the Vincent Tshabalala Education Trust (VTET). The schools are, Alexandra High School, KwaBhekilanga Secondary School, East Bank High School, Realogile Secondary School and Minerva Secondary School. The five schools each received R20,000 which is in addition to the R120,000 that Nxasana donated towards the Vincent Tshabalala Education Trust. The teachers of Future Nation Schools also donated books to the five schools.
Paul Mashatile, the chairperson of the Vincent Tshabalala Education Trust said, “We are truly grateful to Future Nation Schools for partnering with us in support of teaching and learning in Alexandra Township. We are also delighted that Future Nation Schools is donating money towards the bursaries and the purchase of books which will encourage and inspire our young people. This donation will strengthen the work we are already doing as a trust to support the culture of reading by supplying schools in Alexandra with books that tell South African and African stories, our history and who we are as a people. We look forward to our continued partnership with Future Nation Schools for the benefit of learners from Alexandra.”

Future Nation Schools Book Fair and Literary Festival

Future Nation Schools celebrated the conclusion of Heritage Month by embracing African literature at its book fair and literary festival on Saturday, 30 September. According to Nxasana, “The aim of the Future Nation Schools Book Fair and Literary Festival is to showcase African literature, writers, poetry and arts. This feeds into the Future Nation Schools vision of spearheading the African education revolution through driving content that is relevant to the continent. We believe ensuring all children experience the joy of reading is a vital aspect to developing enquiring minds in our youth and a knowledge of our African heritage.”
Here are some of the powerful speakers and authors who were part of the inaugural Future Nation Schools Book Fair:
  • Dr Judy Dlamini – author of Equal but Different – facilitated by Baba Gqubule
  • Sipho Sithole & Athabile Masola on The Importance of Creative Arts in Education – facilitated by Sizwe Nxasana
  • Kiprop Kimutai on Developing Pan-African Writers – faciliated by Katleho Mogase
  • Thandeka Gqubule – No longer Whispering to Power – facilitator was Baba Gqubule
  • Prof Thapelo Otlogotswe, Dr Mpume Mbatha & Siya Masuku on Saving African Languages – Facilitator was Sizwe Nxasana
  • Sipho Noko on The importance of Writing Academically in our African Languages – Facilitator was Dr Hleze Kunju
  • Bra Hugh Masekela on the Importance of Heritage, History and Genealogy – Facilitator was Sizwe Nxasana
  • Youth Panel Discussion – Does Shakespeare have a place in African Literature? – Facilitator was Marian Wilkins
  • Unathi Magubeni, Jade Jacobson – Distribution For African Books – Facilitaor was Yamkela Khoza Tywakadi
  • Mandla Langa – Dare not Linger – Facilitator was Sizwe Nxasana
  • Khosi Xaba & Athabile Masola – The story of Noni Jabavu – Facilitator was Cathy Mohlahlana
  • Malaika Wa Azania & IMBALETHU KGAME – Young Female Authors in Africa – Facilitator was Kim McFarlane
  • NATALIA MOLEBATSI – Come as you are: Poems for Four Strings; Natalia Molebatsi & The Soul Making – Facilitator: Xolisa Dyeshana
  • BABA BUNTU – Know Thyself: AfrikanCentered Education; Needs and Possibilities – Facilitator: Noluthando Mthonti
  • DR LYNETTE HLONGWANE, YAMKELA KHOZA TYWAKADI, NALEDI NOMALANGA MKHIZE – African Content for Basic Education – Facilitator: Yandiswa Xhakaza
  • MUKONDELELI MULAUDZI, PULENG SIRENGQE, BOTLHALE RADEBE – Decolonizing Everything: Youth Perspectives on the Role of Education – Facilitator: Baba Buntu
  • SIZWE MPOFU-WALSH – Democracy and Delusions – Facilitator: S’onqoba Maseko
  • MORISHE MOTLEJOANE, MICHAEL MUTOMBO, GABRIEL TEMUDZANI – Indigenous story telling for Film and TV – Facilitator: Zama Mkosi
  • ELINOR SISULU, PHEHELLO MOFOKENG – Unleashing the African writing revolution – Facilitator: Sizwe Nxasana
  • THABISO MAHLAPE – Publishing, Books and Access – Facilitator: Cathy Mohlahlana
Dr Judy Dlamini, has been a recipient of multiple accolades and awards, including the African Economy Builder Lifetime Achievement Award. She remains soft-spoken and humble. She remains a committed, hard-working, resilient woman who keeps pushing boundaries and inspiring many people, young and old, women and men.
PROFESSIONAL DETAILS
CURRENT POSITIONS
  • Chair | ASPEN PHARMACARE HOLDINGS LTD – 2007 – present
  • Non-Executive Director | Imithi Investments (Pty)Ltd – 2005 – present
  • Non-Executive Director | RRL Holdings (Pty) Ltd – 2005 – present
  • Non-Executive Director | GIJIMA GROUP LTD – 2005 – present
  • Non-Executive Director | ASPEN PHARMACARE HOLDINGS LTD – 2005 – present
  • Non-Executive Director | NORTHAM PLATINUM LTD – 2004 – present
  • Managing Director | Mbekani Group  – 1996 – present
  • Consultant | Portnet – Transportation and Logistics
  • Consultant | TRANSNET FREIGHT RAIL – Transportation and Logistics
  • Chair | Mbekani Investment Holdings (Pty) Limited
  • Consultant | Divpac

PREVIOUS POSITIONS
  • Non-Executive Director | Wits Donald Gordon Medical Centre
    2004 – 2005
  • Non-Executive Director | DISCOVERY LTD – 2002
  • Senior Manager | HSBC Investment Bank – Johannesburg | 2002 – 2003
  • Consultant | HSBC Investment Bank – Johannesburg | 2001 – 2002
  • Director | DISCOVERY LTD
  • Director | WOOLWORTHS HOLDINGS LTD – Consumer Goods, Fashion and Retail
  • Chairperson | Transformation and Remuneration Committees | DISCOVERY LTD
  • Consultant | RCL FOODS LTD

TERTIARY EDUCATIONAL HISTORY
  • University of KwaZulu-Natal – Completed 1985 – MBChB
  • University of the Free State  – Completed 1996  – Diploma in Occupational Health
  • University of the Witwatersrand – Completed 1999 – Master of Business Administration

Dr Judy Dlamini’s ACHIEVEMENTS
  • Intellidex Richest Women in South Africa List | 2012

Sources:
  • https://www.mbekani.co.za/
  • http://www.angloamerican.com/about-us/leadership-team/leadership-team-members/judy-dlamini
  • https://www.exclusivebooks.co.za/product/9780620725866
  • http://www.leader.co.za/article.aspx?s=6&f=1&a=6693
  • http://whoswho.co.za/judy-dlamini-5006
  • http://www.afropolitan.co.za/articles/just-judy-4687.html
  • https://www.iwfsa.co.za/index.php/iwf-members/members-gallery/item/199-dr-judy-dlamini
  • http://www.oja.co.za/wp-content/uploads/2013/06/OJ_NEWSLETTER_APRIL_2012.pdf
  • http://www.e-doc.co.za/modules.php?name=News&file=article&sid=4155
  • https://www.moneyweb.co.za/in-depth/fnb-business-leadership/series-2-episode-2-the-judy-dlamini-business-leadership-journey/
  • http://www.bizcommunity.com/Article/196/627/168242.html
  • http://www.bizcommunity.com/Article/196/627/168242.html
  • http://fnsbookfair.africa

Thursday 19 April 2018

'Bring it on bloody racists', Malema tells AfriForum

'Bring it on bloody racists', Malema tells AfriForum

File: EFF leader, Julius Malema has challenged AfriForum to go ahead with a private prosecution relating to On-Pointing Engineering contract. Video: eNCA
JOHANNESBURG – AfriForum Advocate, Gerrie Nel says he's not going to respond to Julius Malema's tweet on the decision to privately prosecute him.
The EFF leader challenged the lobby group to go ahead with the case.
“You must know that we have dealt with the matters where most people say I want my day in court please give me my day in court when that happen there is a lot of representation and attempts to avoid it. I will not get into personal discussion with everybody that I have prosecuted. I only do my job. I am a prosecutor I look at the law. I will not respond to any of those matters even if they are very personal and challenging.”
AfriForum said on Thursday that they will prosecute Malema for fraud and corruption linked to On-Pointing Engineering contract.
In 2015, however, Malema's corruption case was struck off the roll.
The EFF said it was fully behind its leader and accused AfriForum of deflecting the party attention on land expropriation.
“It is not a secret that the EFF is at the forefront of the struggle for land expropriation without compensation and that Afriforum is one of its right wing opponents. Instead of engaging in a democratic debate and engagement on the land question, Afriforum does what their colonial and apartheid forefathers did to Freedom Fighters, which is criminal persecution and prosecutions for political reasons. There’s no doubt that Afriforum’s private prosecutions is part of an onslaught against the EFF,” the party said in a statement.
eNCA