I have put together a short Guide for folk like me - About Retirement and Small Business.
There's a great deal to think about, and then put into practice.
Lots of Articles, Videos and Links to people who have helped me in the past.
They can help you too. I hope they do.
Click Here to check it out - Chris Wilkinson
Most people like the idea of retirement and many currently enjoy it.
What is not to like about the extra time to travel, spend time with friends and family, or finally have enough time to truly commit to that exciting hobby?
However, there may be a dark side to retirement.
The talk discusses how retirement may hold hidden dangers in the form of increased risk of cognitive problems and possibly even dementia, and how we can mitigate these dangers and still enjoy the positive aspects of retirement.
Ross is Professor in the School of Aging Studies at the University of South Florida, Tampa.
In his research, Ross has focused on identifying ways to slow age-related cognitive decline and reduce risk of dementia through diet, exercise, leisure activities and modifications to work environment.
Ross has also been involved in research to distinguish true signs of cognitive impairment from normal cognitive aging.
To date, Ross has published over 130 peer-reviewed articles and several book chapters.
This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at https://www.ted.com/tedx
I have attended a number of "Free" Webinars recently, offering me these once-in-a-lifetime offers.
About an hour plus of telling me how easy it is to make 10, 20, 50 or even 100,000 Dollars or Rands.
Of course there is a price to pay, but they only tell you about that right at the end.
"Cheap" at around R5 000. Some are even more. Paid up front.
You can learn how to do all this quickly with the "system" they offer.
Social Media is full of them.
Very soon you'll be driving the Ferrari and living in your R10m mansion in Camps Bay.
Or will you?
Have you been there? Have you done it? Are you wealthy beyond your imagination?
Believe me, trying to make money online is NOT easy. Or quick.
Luckily for me, I did sign up for a course about 10 years ago.
It was called the "Earnster Ninja" way to make a living online.
Presented by Peter Carruthers. Still presented by Peter Carruthers.
He's been around since the eighties.
I have done many of Pete's courses since then.
He is not a fly-by-night, here today, gone tomorrow webinar presenter.
He does many webinars to help his students.
My overnight success has taken me about 20 years, also online and using email as my marketing tool.
That, of course is free. So is Facebook and other Social Media.
Unless you want to throw money away by paying for "Likes".
"Likes" don't pay the rent. People who buy your products do.
You loyal, regular customers. Not the ones who only buy on price.
Or when you discount something just to get the sale.
There are plenty of people who do that.
A lot have fallen by the wayside because of being the "cheapest". Or the "Biggest". Or the "Best".
Below is an extract from an email I got from Peter just last week.
He writes so much better than I can.
Talking about his many "once-in-a-lifetime" offers.
"You create your own once-in-a-lifetime opportunity.
When you receive such an offer, it is from someone who will offer this opportunity to you once in their lifetime. (Or at least once this week.) As they will to everyone else reading their emails.
They have no idea who you are, no understanding of the complexity of your life. They could not care less about your passions, your joys, your frustrations. You should borrow money because this opportunity will never come back.
They practice every hook in the book to persuade you to muster a few dollars.
Your money helps them relieve their itch to buy a new Bugatti La Voiture Noire.
(Or the Ferrari mentioned above - Chris W) Theirs, not yours.
Giving somebody money - no matter why - is unlikely to be something you do once in your lifetime.
It's certainly likely to be something you do only once to this person.
This opportunity they offer might not be entirely in the league they profess it to be.
Chances are you will be disappointed at missing their promised nirvana.
People who make this kind of promise are not often as fast to refund your investment.
I took up another once-in the-a-lifetime offer five weeks ago.
The three-hour sales pitch was exceptional. Much better than the product, it turns out.
Hint to self. Always sleep on every once-in-lifetime opportunity. Morning always brings clarity.
I asked for a refund a few weeks later. ClickBank referred it to the seller.
He pointed out his offer of a refund could only be invoked after 12 months.
To qualify, I must keep SARS-quality records of each minute I invest in making his ideas work.
I have doubts about the process. I have no doubt I will not buy from him or ClickBank again.
And the one year warranty isn't quite as honest as it might seem.
There are no guidelines on what "reasonable efforts" might be.
Or how often Facebook must close my business account.
(He highlights this as a common challenge his students face).
Not a single email after the first one pointing me at the course."
At least I know what I will get from Peter's Courses.
There are many of them, by the way. From as little as R197.00. How to Start your own Business.
He even gives some of them away for free.
All to help and guide Small Business Owners in South Africa. That's his passion.
I would suggest a visit the the Academy of Business Owners.
No Promises, No Hype, No BS. Just sincere teaching and mentorship.
Roses in Jiffy 7C Case Study
The customer is a large producer of cut roses and propagate their own rose plants as well as propagating for other growers.
The challenge was to find a high quality, reproducible growing medium which did not vary between batches and year on year.
In addition, the client required ease of use and specific features such as quick rooting, a good tray system, easy transportability and very importantly, ease of transplant.
The client has used the Jiffy 7C pellet for many years and has experimented with various sizes.
The pellet size settled on was the 50 x 60mm pellet as it gave sufficient size to keep the cutting in the nursery for the required time while allowing sufficient room for root growth.
Currently, the client is conducting ongoing trials with the 40 x 60mm pellet and results are promising.
This would mean a decrease in price per plant for the customer as well as improved usage of space in the nursery, while still providing the plants with the room to develop sufficient rooting.
A number of tray systems have also been trialed and currently the Jiffy 50 x 45mm cavity tray (deep tray) is being used.
The depth of the tray is important in retaining moisture and encouraging root growth.
The following benefits were noticed:
The Jiffy 7C works well for propagating rose plants under African conditions.
The client has been able to expand their business as a result of a constant supply of good plants to the greenhouse and in addition produce plants for sale.
Not only has the Jiffy 7C proven itself when growing roses but also when transporting small plants and transplanting.
This has enabled boxing and shipment of plants to customers.
Make an Enquiry
Email Enquiries: email@example.com
WhatsApp: 082 789 3755
Situated in Muldersdrift, we install and maintain boreholes throughout Gauteng
Make an Enquiry - Contact Gerhard for a quote or more information.
Our many services include:
Roots grow through the pot wall naturally and are air pruned stimulating stronger, more fibrous root development than in plastic pots.
There is no need to ‘de-pot’ before potting on or planting out which impacts a growers labour savings.
Establishment after potting on is quicker as there is no root disturbance, so the growing period is normally reduced by several weeks compared to plants grown in plastic pots.
No recycling or disposal costs are incurred.
Quicker rooting is achieved because temperature fluctuations in the root zone are reduced and the average root zone temperature is 1 degree higher than in plastic pots.
Reduced Water Consumption
The ability to retain moisture in the pot wall can reduce water consumption by up to 20% compared to plastic pots, allowing shorter or less frequent irrigation cycles.
The Coir Jiffy-Pot provides a peat-free alternative to the standard product.
Coir pots allow even faster root penetration through the pot wall, making them ideal for short-term crops or where quick potting on is desirable.
Water distribution throughout the pot is quicker and more uniform, making them ideal for sub-irrigated beds and crops that require precise water management.
Coir Pots are suitable for use in Organic production systems.
The Jiffy-Pot is the environmentally friendly alternative to the excessive use of plastic in horticulture. Jiffy Pots are 100% bio-degradable and approved for organic production, whilst being well suited to mechanical handling in the Nursery.
Email: firstname.lastname@example.org - Or use the Enquiry Form
WhatsApp: 082 789 3755
Download and Print the Jiffy Coco Peat Pellets and Coir Pots Catalogue
Then get in touch, if you're interested.
Support Small Business in South Africa - our future depends on it.
Plastic Plant Pots from ANSup
(Chris Wilkinson: Trading as African Nursery Supplies)
Are you still schlepping to the factory to collect? Are you still paying VAT? I deliver at factory prices.
No VAT. Affordable delivery charge.
By Courier to all towns in South Africa. Standard Courier Guy Rates.
Download the Plastic Plant Pot Catalogue.
All orders are confirmed by quotation, before payment.
You order - we deliver.
Make an Enquiry
Or: Contact me by email - email@example.com
Or: Contact Me on WhatsApp at 082 789 3755
We at Myang are driven by the love of little things – especially the little creatures who occupy such a large space in our hearts.
Our products are lovingly created by an all-woman team, many of them coming from disadvantaged communities, where we hope to make a real difference.
We hope that the love of our craft will show in every design, pattern and texture and bring you great delight.
'Govt's NHI will kill the private health sector', says DA as it presents Sizani
Jan Gerber - News 24
The DA, which strongly opposes the government's National Health Insurance (NHI) plan, believes it can provide universal health care without pooling private and public funds as well as creating another state-owned enterprise (SOE).
"The global trend in public health is to move toward providing universal health care. It is crucial that South Africa follows suit. With an accumulative budget of more than R222bn across all provincial departments and its entities, this is a possibility for our country, but the devil is in the detail," said DA MP and spokesperson on health Siviwe Gwarube on Wednesday.
This policy was outlined at a media briefing by Gwarube, DA spokesperson on finance Geordin Hill-Lewis and deputy spokesperson on health Lindy Wilson.
Gwarube said South Africa's current two-tier health care system was unsustainable and had over the past two-and-a-half decades created an environment of insiders and outsiders - with 16% of South Africans having health care coverage and over 80% "relying on the crumbling public health system".
While committed to the principle of universal health care, the DA has been staunch opponents of the NHI.
Two weeks ago, the Cabinet approved a new version of the NHI Bill, which will soon be tabled in Parliament and referred to the portfolio committee on health.
The bill provides for the establishment of an NHI fund as a public entity reporting to the minister of health, to be governed by the Public Finance Management Act.
Health Minister Zweli Mkhize has been adamant the NHI will be implemented.
The DA's objections to the NHI include that it will nationalise health care and could possibly eradicate medical aids; its funding is not sustainable; it threatens provincial service delivery and the NHI pilot projects - into which the Department of Health has pumped R5.9bn - have failed.
"We want to state it clearly and unequivocally: The DA supports quality, universal health care for all South Africans, but we don't need to follow the NHI model - which will ultimately nationalise health care, lead to a brain drain and cripple the economy - to bring that about," Gwarube said.
The DA calls their scheme Sizani, and it will allocate a universal subsidy for every eligible person in South Africa, irrespective of whether or not they are covered by the public or private health systems.
- Every person will be able to choose whether to buy public or private sector cover with their subsidy, with rules against opportunistic movements between the two.
- The value of the subsidy will be set in relation to an affordable and comprehensive package of services available within the public health system. Within medical schemes, benefits will be standardised for the main package, while medical schemes will be allowed to offer top-up cover.
- Public services will be free at the point of service for both those who have medical aid membership and those who do not.
"Ultimately, Sizani will not kill the private health sector like the NHI. Instead, it will offer a sustainable private-public partnership that will offer comprehensive coverage for all South Africans and we would be able to do this within five to eight years," said Gwarube.
"This is mainly because we would not be creating a large SOE in the form of pooled public and private funds and we would be able to roll this out within the current budget envelope."
R222bn budget across SA
Hill-Lewis explained how the party's proposal would be funded.
"The total accumulative budget of more than R222bn across all departments and its entities will be reallocated to ensure universal health care," he said.
Furthermore, the DA proposed bringing medical tax credits into the main budget and reallocating two items from the national health department budget.
This would free up R27bn and R3.3bn, respectively.
This means taxpayers who get a tax credit from the South African Revenue Service (SARS) for belonging to a medical aid will no longer receive it.
This money will be used to cross-subsidise the universal health care plan.
When asked to explain what the standardised package of care would include and how much this would cost, Gwarube could not provide an answer.
She said it would be "completely ill-advised" for them to say how much primary health care would cost per person.
How much would this cost?
"So what we would do is put together a team of experts - a team of people who are medical experts but also people in the medical field - to say how do we price this standardised package of care.
"We believe with the current budget, which is R222bn, with the tax credit that will be fed into it, with the realignment of the programmes within the health budget, we believe we would be able to roll out universal health care," Gwarube said.
"The issue has not been money, the issue is bad policy making, the issue is ideological marrying to the establishment of a state-owned enterprise. The issue is not entirely money here. So, we are saying we will be able to rejig the system so that people can get the universal health care they need. But it doesn't necessarily need pooling of funds from public and private health care systems."
Wilson said as soon as the NHI Bill was introduced in Parliament, the DA would ask the chairperson of the portfolio committee on health, Sibongiseni Dlomo, to analyse it.
"Should the fundamental problematic elements we have highlighted still be in the bill, we will work to oppose those sections and fight for amendments in line with the Sizani universal health care plan," she said.
Wilson added the DA would work with the other opposition MPs in the committee, one each from the EFF and FF Plus, to bring about the reforms.
The whole world is anti plastic nowadays.
Isn't it time to start using Jiffy 7C Pellets in the propagation and growing of seeds and cuttings?
Used by the pro's all around the world.
Spread the eco-friendly, organic word.
Download a Catalogue/Brochure. Tell me what you need, and I'll give a quotation.
If you're happy with that, just make the payment, and I'll send the goods.
The short video below shows how they work. Very Simple.
We do not sell the kits advertised on the video, though. Just the Pellets and Trays.
According to the Catalogue or Brochures.
Have a Good Day.
PS. Still not sure whether Jiffy will work for you? Don't take my word for it.
Try a "Starter Pack" and experiment. We learn by DIY.
All the Brochures, Catalogues and Manuals are on the page
Download them and Make an Enquiry using the short form.
We are here to help, not just sell as much as we can to you. We'll leave that to others.
Contact Sharn by email (form) or 'phone - Click Here.
Plastic Plant Pots from African Nursery Supplies.
Make an Enquiry
Don't like Email? Contact me on WhatsApp (082 789 3755). We can do it from there.
I am a service provider, not a hustler (salesman). At your service.
Advantages of using Jiffy 7C pellets
Interested? Email me at firstname.lastname@example.org. Or use the Enquiry Form
Don't like Email? Contact me on WhatsApp (082 789 3755). We can do it all from there.
Jiffy 7C Pellets are used extensively by growers all over the world to propagate a wide variety of seeds and cuttings.
The pellets are made of coco-peat (hence the 7”C “ designation) and are shipped directly from our Sri Lankan factories to distributors all over the world.
The compressed nature of the pellets ensure ease of transport.
Media and container in one:
The Jiffy-7C pellet is built on the principle of container and media in one and comes in the form of a compressed dry disk in a partly degradable netting.
This means Jiffy –7C will get you the same logistical and storage advantages as with all other Jiffy pellet systems.
All Jiffy 7C pellet sizes come with their own tray systems, however the pellets are often used without trays, either in crates or on plastic sheets.
Pellet Composition, Sizes and Features:
How to use Jiffy 7C pellets.
Jiffy 7C in Africa
Jiffy 7C pellets have proved their mettle in Africa.
Their compressed nature makes them easy to transport and ensures competitive pricing.
They have a long shelf life and are well packaged for our conditions and their easy application suits remote and tough conditions.
They save water and labour as well as setup time of nurseries.
Advantages of using Jiffy 7C pellets
Jiffy-7C is used by many professional greenhouse growers, Nursery men, foresters and others involved in growing and has become a favourite choice for the modern plant propagator.
The 100% coir pellets are available in many different sizes and tray configurations.
They should be the preferred option when looking for a rooting media to be used under highly stressing conditions.
Or as an alternative when searching for a 100% guaranteed functioning peat free plant propagation solution.
Interested? Email me at email@example.com. Or use the Enquiry Form
Or Contact me on WhatsApp - 082 789 3755
Standard 100% Virgin Material - Used by professional Growers - SANA Approved.
Factory Price - No VAT - Delivered within 2-5 days from payment.
Make an Enquiry
Don't like Email? Contact me on WhatsApp (082 789 3755). We can do it from there.
I subscribe to Peter Carruthers' Petes Weekly. Have been doing so since the 80's.
Everybody should. Many pearls of wisdom, every week.
Here's an extract from last weeks message.
I am not a brand. I am a "Peter".
I have been a "Peter" offline since 1958. And online, since 1999.
I raise this because people say I have a "brand". No. I am Peter, and whatever I do is congruent with that, not with some image I want to create.
I tried to change my signature this past week to better reflect my "Peter". I realised most of my work has been serving people, rather than trying to get famous. The point of a "brand" is to get famous fast for folk to find you faster.
A brand is a fallacy, an illusion. People can have integrity. Companies cannot. A company's integrity, that brand it tries to build, depends on the behaviour of the leader. The person at the top drives how the people in the firm behave. It's the behaviour that reinforces the image it tries to create.
You can read the full piece on Pete's Blog Here.
Just like Peter, I too am not a "brand".
I have been serving the people in the Nursery and Landscaping industry since the 1970's.
I even have a SANA Gold Medal and Honorary Membership, for my service to the industry.
I am not going to bore you with the details, you can read all About Me here.
This is my website, not my "brand".
About 1 700 people "Like" my Page on Facebook. Very few have ever bought anything from me since 2013, when I started ANSup (African Nursery Supplies).
The majority of my customers come from the subscribers on the weekly ANSup News
Which I started in 2014. Seems like yesterday.
Or from my monthly letter sent out to all customers, just to stay in touch. Recently revived.
But very, very few as a result of Social Media.
In fact I have closed all my media accounts like Twitter, LinkedIn and the like.
Waste of time and very often money.
Too much noise, politics, snot en trane, doom and gloom. BS.
Thank you for being my customer, I hope I can serve you for many years to come.
A message from Jiffy Worldwide
Jiffy International AS, headquartered in Kristiansand Norway is the leading worldwide supplier of environmentally friendly propagation systems, hydroponic systems, growing containers and substrates for the horticultural industry.
Utilizing renewable resources and bio-based materials such as peat, coir, pulp and other bio-mass and plant starches, Jiffy has been on the forefront of sustainability for many years.
Jiffy is a globally operating company and has manufacturing locations strategically located near peat bogs in Canada, Denmark and Norway, producing peat pots and Jiffy-7 pellet propagation systems.
Jiffy also manufactures a complete line of coir products at our three manufacturing facilities in Sri Lanka.
Jiffy abides by the highest standards both in safeguarding the environment as well as providing the highest quality, in many cases certified products, to its customers. The professional grower of today relies on the best technical assistance for the products chosen as inputs in their businesses.
Download the Jiffy Catalogue from ANSup.....Then Make an Enquiry, if you're interested.
All the brochures, case studies etc are also there.
Delivered through eMail Order throughout South Africa. Convenient, Simple, Quick and Easy.
Wholesale - No VAT - Working together we can change the world.
Success starts with self-awareness
Be open and honest with yourself.
Your strengths and weaknesses.
As a Small Business owner, you need different skills.
Bigger does not mean better.
Find your own level and don't let a few failures deter you.
If something doesn't work, change the way you do it.
Don't discard every idea.
Tweak it until you get the right mix.
Failure is a reason to learn and grow. School Fees.
Sport is a great teacher. You can't win every tournament or game. Somebody always has to come second.
That's not a bad place to be.
Much better than not even taking part.
If you don't buy the ticket, you'll never win the lottery
You have to stay the course.
You can't score a goal if you aren't on the field. Only "own goals".
Even if you lose, there'll be another game tomorrow or the next day.
It's nobody else's fault if at first you don't succeed. Don't blame.
Pointing fingers never solved a problem.
Doesn't help you to find the solution.
You may not be able to control what happens to you, but you can control how you respond.
Remember that pointing one finger at someone else, means there are three pointing towards you.
Mahommed Ali said "It doesn't matter how many times you get knocked down. It's how many times you get back up that's important".
Don't use your business only to make money.
Of course money is important, but it is to business what petrol is to a motor car.
Without a little we can't get going.
It's fuel to keep you (and your business) moving forward.
Life gives back to those who keep trying to make a difference.
Darren Hardy suggests that we need 3 things for a successful business:
Have a passion for what you do, by all means.
And always "give" before you "take".
Honesty and integrity will win in the end.
The whole world is moving away from plastic nowadays.
Especially for the propagation and growing on of seed and seedlings.
The early methods - Sowing trays, seedtrays, pots, soil. Labour intensive.
Jify products are environmentally friendly and bio-degradable.
The whole unit is transplanted into the garden or container - no transfer shock or root damage, giving the plant a much better chance of healthy growth.
Because the coir retains water at a much better rate, 30% less water is needed for the plant to thrive.
Excellent in drought conditions.
The 7C Pellets are also labour saving. No need to fill plastic pots with soil. No fertilizer required.
Just add water, plant the seed. and watch them grow
Download and Print the Jiffy Coco Peat Brochure
Download and Print the JiffyPot Brochure
Still not sure? Begin with a "Starter Pack" and grow from there. Download the Catalogue
Or Click Here to make an Enquiry from the website.
Start small and grow slowly. We all have to start somewhere.
Thank you for being my customer.
WhatsApp: 082 789 3755
A few of my subscribers and friends have asked me whether they can build their own hydroponic garden.
My answer is, of course you can. I can't tell you how, so I cruised over to YouTube to see what's there.
Loads and loads of videos showing exactly how to do that.
It has even inspired me to build my own. So far, I have a pump and a reservoir. Just need to go and buy some piping, tubing and a bucket or two, and away I go. Just as soon as I make enough money. Won't be long..
Doesn't look too difficult or expensive to do either. Which suits me.
I'm happier using a laptop than a few tools, though.
But I will get going very soon. I have already got a few seeds in the Jiffy 7's, so I will need to get a move on.
Mind you, If I don't the rooted plants will just go straight into the garden or my existing old-fashioned veggie patch.
I still enjoy that, although not always successful at it. I think I have Brown fingers, not Green ones.
We'll just keep on trying. It'll come. One day at a time. Start small, grow slowly.
Squeaky wheels - by Seth Godin
Do you really want the grease?
Or would you rather make things better?
The best way to contribute to a community or a brand isn’t by complaining.
It’s by making things better.
Taking responsibility (without authority) and creating a positive cycle of generous action.
Leading by example.
Finding a small corner where you can make a difference–and then making a difference.
We keep optimizing our systems for squeaky wheels.
But often, all we get is a patch, not a fix.
Yet another note of encouragement from a subscriber to ANSup News: And my response to him.
I have taken out the personal info.
Inspiring email Chris and I know the feeling. I have been in small business for 30 years. Most great, but some not so great.
We employ over 20 people, who with their families, depend on us, but it has been over three years since I last drew a salary. That puts serious strain on one's savings.
But we persevere, and bring in new products, differentiate ourselves and our services from the big boys, new sales strategies, new ideas and do what we can to survive the difficult times and to shine in the good.
It is said an Eastern monarch once charged his wise men to invent him a sentence, to be ever in view, and which should be true and appropriate in all times and situations. They presented him the words: "And this, too, shall pass away."
True words indeed
Thanks again for your regular pearls of wisdom
Thank you for your input AJP, I really appreciate it. My answer to it?:
Thank you for your email, I am grateful for the encouragement and your "words of wisdom".
I had a business for 13 years, with 20 employees and the rest. Closed for me in 2008.
Unfortunately one of the "big boys" liquidated my business. I had to pay all the bank overdrafts plus other creditors out of my own pocket.
Including a partner who decided the money was more important to him than our friendship.
And, a so-called friend who ripped me off left, right and centre.
That took care of all my savings and increased our bond.
Had to sell our "retirement" flat in Fishhoek too.
They all got their money and I was left with the debt. Not one thank you from anyone. Nobody.
I don't know what happened to all of them (actually, I don't care either), but I still have good health, a wife of 42 years and children who still speak to me.
Those few things make me very, very rich. One can always make more money, albeit a little at a time.
Every day above ground is a good day. Doesn't matter what happens.
Thank you for staying subscribed. And for your encouragement.
I've often asked myself: "Who motivates the Motivator?".
I guess it's a DIY job.
I'll keep going as long as I can.
Have a good one.
So, that's a few "Pearls of Wisdom" for today. I hope you'll have a good one too.
PS. I have said this many times before, but if these emails have no relevance for you, or you're simply not interested, you can easily unsubscribe, and I won't bother you any more. Subscribe Here if you want to.
As Abraham Lincoln (US President) said: "You can fool all the people some of the time, and some of the people all the time, but you cannot fool all the people all the time"
A little bit before Donald Trump, but Abe was a wise man. Some politicians need to make a note of the quote!
Elon Musk - the boykie from Pretoria. Pretoria Boys High.
Well done Elon, we're very proud of you.
How much did Elon Musk make selling PayPal? A Question on Quora....
in South Africa.
Join the Club
Membership is Free!
Click a Pic
Make an Enquiry
IF you're interested