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Month: April 2015

MHI HOU POTJIEKOSKOMPETISIE

MHI HOU POTJIEKOSKOMPETISIE

Die Personeelkomittee het vir hierdie kwartaal se spanbousessie ‘n Potjiekoskompetisie uitgedink! Ons is in 3 spanne verdeel en moes self naam kies.

Die Anni Brand span, die Bush Babies en die Kokkedore is gebore!

Ons het Vrydagnamiddag by die PP Smit gronde die vure aangesteek. Elke span sou beoordeel word op hulle spanwerk en gees, hul gasvryheid en netheid van werkspasie  en natuurlik die smaak en aanbieding van die eindproduk.

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Die Anni Brand span bestaande uit (agter) Stefanus, Deon Meyer (beoordeellaar), Michelle, Cecil de Wet (beoordeellaar), Catherine, (voor) Aletta, Jessica, Ursula Scholtz van Combined Finance (beoordeellaar) en Vikki  moes ‘n beesstertpotjie maak. Hulle het reeds uit die staanspoor die beoordeellaars probeer beinvloed.

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The Bush Babies with (back) Marcelle, Jurgens, (front) Ansie, Ursula of Combined Finance (judge), Mariska, Bonita, Liaan and Muneeb had to make a lamb potjie. They brought their tents and camping equipment to set their scene.

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Die Kokkedore moes in Chris se afwesigheid voortgaan en het ‘n ongelooflike lekker hoenderroompotjie opgetower. Hier hard aan die werk is (agter) Noleen, Estelle, Zelda, Reinett, Kestrel en (voor) Vicki, Elizna en Michelle Z. Die Kokkedore het baie meer gees gehad en het deurentyd almal vermaak met slagspreuke en dansbewegings.

But after all the fun and games and friendly banter, it was time for the judges to sit down and taste the food. We had to call in an additional judge being Bee de Klerk, seen here in the middle with Cecil and Ursula.

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Daar was spanningsvolle oomblikke tydens die beraadslaging en die beoordelaars het werklik hulle goed van hul taak gekwyt.

En die wenspan is die KOKKEDORE!!

Baie geluk aan my mede wenspanlede!!

Ons sê ook baie geluk aan Stefanus wat Sondag sy verjaarsdag gevier het! Al het sy span nie hierdie keer gewen nie, glo ons daar sal nog baie kanse wees om te wys wat in hom steek.

HOME OWNERS’ ASSOCIATION: RATHER FRIEND THAN FOE

HOME OWNERS’ ASSOCIATION: RATHER FRIEND THAN FOE

MHI_A2BAfter months of searching, Phillip and Kate finally found their dream home … only to be told that membership of the Home Owners Association (HOA) will be compulsory. What exactly does this mean and what will this involve?

A HOA consists of all property owners in a particular housing scheme / development. The owners, who form the HOA, will usually elect Trustees at the annual meeting who, among others, look after the owners’ interests, apply the rules and handle the finances on behalf of the owners. The HOA’s management is not governed by law and any HOA therefore has it’s own Constitution which bound the owners in the housing scheme.

It’s easy to immediately link a negative connotation to a HOA. Who would want to live in a house, but still have to adhere to rules and regulations and pay levies, as in a sectional title complex?

Before Phillip and Kate turn away discouraged, they should carefully consider the benefits of membership in a well-managed HOA.

One of the most important factors to consider is safety. With the rising crime rate in South Africa, naturally the safety of you and your family should be a prime consideration when viewing potential properties. The costs related to the security of a home should be considered carefully. An advantage of some HOAs is the fact that the property is located in a closed complex. The complex may have some degree of security, such as an electric gate and electric fence, to strict security features where guards control access to the complex.

Furthermore, the aesthetics should be considered. A HOA’s Constitution, which all owners are bound to, often determine the aesthetics of the houses. This may include guidelines from the architectural style of the houses, to the shades of paint that should be used. This ensures that all the houses form a neat unit and all owners are obliged to keep their property in a good condition. It does not matter how well you take care of your house and garden, if your neighbor’s property is dilapidated and his garden overgrown with weeds, your good maintenance will not have the same effect as in a well-managed environment.

As mentioned, a HOA’s constitution provides rules that owners must adhere to. The rules ensure that all residents live in harmony and that offenders are prosecuted appropriately. If you reside in a non-governed neighborhood, for example, and your neighbors have wild parties for nights on end, your defense as “neighbor” is fairly limited and it may take weeks before the problem is solved. On the other hand, the trustees of a well-managed HOA will be able to handle such conflict quickly and in a civilized way.

The members of the HOA can contribute to it’s effective functioning by ensuring that all residents are aware of the Constitution and receive a copy thereof, so that they know what is expected of them. On the other hand, Trustees can on their side ensure effective management by applying the rules consistently and treat all residents in the same way and punish them when rules are broken. Furthermore, the trustees of a well-managed HOA, for example, first talk to offenders before proceeding to issue a penalty. This will prevent the residents from developing a negative feeling toward the HOA and in the end be unwilling to give their co-operation.

Should you consider to purchase a property where you are required to become a member of a HOA, it would be wise to ask for the financial statements to ensure that the funds are well managed and that the Association is financially strong. Furthermore, you can also ask for the Minutes for the last few meetings held. This will give you insight to the type of problems experienced by owners in general, and how these problems are solved.

Trustees should manage a HOA in such a manner that dealings with them creates a positive feeling and is to the benefit of all owners in the housing scheme.

Author: Riëtte Smuts

This article is a general information sheet and should not be used or relied on as legal or other professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your legal adviser for specific and detailed advice.

HUISEIENAARSVERENIGING: EERDER VRIEND AS VYAND

HUISEIENAARSVERENIGING: EERDER VRIEND AS VYAND

MHI_A2BNa maande se gesoek het Phillip en Kate uiteindelik hulle droomhuis gevind…net om te hoor dat hulle lid van die Huiseienaarsverening (HEV) sal moet wees. Wat presies beteken dit en wat gaan dit behels?

‘n HEV bestaan uit al die eienaars van eiendomme in ‘n bepaalde behuisingskema/ontwikkeling. Die eienaars, wat die HEV vorm, sal gewoonlik tydens die jaarvergadering Trustees verkies wie onder andere namens die eienaars omsien na die eienaars se belange, die reëls toepas en die finansies hanteer. Die HEV se bestuur word nie deur wetgewing bepaal nie en elke HEV het dus sy eie Grondwet waaraan eienaars in die behuisingskema gebonde is.

Dit is maklik om dadelik ‘n negatiewe konnotasie aan ‘n HEV te koppel. Wie wil nou in ‘n huis woon, maar steeds aan reëls en regulasies voldoen en boonop heffings betaal soos in ‘n deeltitelkompleks?

Voordat Phillip en Kate mismoedig wegdraai, moet hulle deeglik besin oor die voordele van lidmaatskap van ‘n goed-bestuurde huiseienaarsvereniging.

Een van die belangrikste faktore wat oorweeg moet word is veiligheid. Met die stygende misdaadsyfers in Suid-Afrika is dit vanselfsprekend dat jou en jou gesin se veiligheid aandag moet geniet wanneer potensiële eiendomme besigtig word. Die kostes verbonde aan die beveiliging van ‘n woning moet noukeurig nagegaan word. ‘n Voordeel van sommige HEVs is die feit dat eiendom in ‘n geslote kompleks geleë is. Die komplekse kan oor ‘n mate van sekuriteit beskik, soos ‘n elektriese toegangshek en elektriese heining, tot streng sekuriteit deur middel van wagte wat toegang tot die kompleks beheer.

Verder moet die estetika oorweeg word. ‘n HEV se grondwet bevat dikwels riglyne oor van die argitekturele styl van die wonings, tot die kleurskakerings wat gebruik moet word. Sodoende vorm die wonings ‘n netjiese eenheid en alle eienaars is verplig om hulle eiendom in ‘n goeie toestand te onderhou. Dit maak nie saak hoe goed versorg jou huis en tuin is nie, as jou buurman se eiendom vervalle is en sy tuin oorgroei met onkruid, sal jou goeie instandhouding nie dieselfde effek hê as in ‘n goed onderhoude omgewing nie.

Soos genoem, bepaal ‘n HEV se grondwet die reëls waaraan eienaars moet voldoen. Die reëls verseker dat alle inwoners in harmonie saamleef en oortreders op toepaslike wyse vervolg word. Indien bure in ‘n ongereguleerde woonbuurt byvoorbeeld aand na aand wilde partytjies hou, is jou verweer as “buurman” redelik beperk en dit kan weke neem voordat die probleem opgelos is. Aan die ander kant sal die Trustees van ‘n goed-bestuurde HEV konflik vinnig en op ‘n beskaafde wyse oplos.

Die lede van die HEV kan bydra tot die doeltreffende funksionering daarvan deur te verseker dat alle inwoners bewus is van die Grondwet, asook ‘n kopië daarvan ontvang, sodat alle inwoners weet wat van hulle verwag word. Aan die ander kant kan Trustees die effektiewe bestuur verseker deur die reëls konsekwent toe te pas en alle inwoners op dieselfde wyse te behandel en te straf wanneer reëls oortree word. Verder sal die Trustees van ’n goed-bestuurde HEV byvoorbeeld eers met oortreders gesels voordat oorgegaan word na die uitreik van ‘n boete. Dit voorkom dat inwoners ‘n negatiewe gevoel teenoor die HEV ontwikkel en later onwillig is om hulle samewerking te gee.

Sou jy oorweeg om ‘n eiendom te bekom waar daar van jou vereis word om lid te word van ‘n HEV, sal dit verstandig wees om die finansiële state van die HEV aan te vra en sodoende te verseker dat die fondse goed bestuur word en dat die Vereniging finansieël sterk is. Verder kan jy ook die laaste paar vergaderings se notules bekom. Op diè manier sal jy insae verkry oor die tipe probleme wat eienaars oor die algemeen ervaar, asook die wyse waarop hierdie probleme opgelos word.

Trustees behoort ‘n HEV op so ‘n wyse te bestuur dat handelinge met hulle ‘n positiewe gevoel skep en tot voordeel van alle eienaars in die behuisingsskema is.

Skrywer: Riëtte Smuts

Hierdie is ‘n algemene inligtingstuk en moet gevolglik nie as regs- of ander professionele advies benut word nie. Geen aanspreeklikheid kan aanvaar word vir enige foute of weglatings of enige skade of verlies wat volg uit die gebruik van enige inligting hierin vervat nie. Kontak altyd u regsadviseur vir spesifieke en toegepaste advies.

SUCCESSION PLANNING

SUCCESSION PLANNING

MHI_A3BOwning a business requires careful succession planning and is part of your estate planning as you have to determine who will succeed you, or who will purchase your shares, or who will be entitled to the income after your death. The future ownership of your business is at stake.

A Partnership automatically dissolves upon the death of a partner and the remaining partners will then have to dissolve it and divide the assets amongst them.

In the case of a Company the shareholders may agree that:

  1. The remaining shareholders have a right of first refusal to purchase the deceased shareholder’s shareholding, as opposed to dealing with it in a will.
  2. The future of ownership of shares can be regulated by a written agreement between shareholders that is referred to as “buy and sell” agreement and has an influence at the death of a partner or shareholder.
  3. The buy and sell agreement compels the executor of the deceased to offer the shares at a pre-determined price, and life policies between shareholders normally cover the purchase price.
  4. The remaining shareholders are the beneficiaries of the policy on the life of the deceased and use it to purchase the shares, normally pro rata to the shares they already own.
  5. Buy and sell policies fall outside the deceased estate and are not subject to estate duty provided that three requirements are met:
    • None of the premiums should have been paid by the deceased;
    • The shareholder relationship must have existed at the time of death;
    • A written agreement must exist.
  6. When the skill and knowledge of a partner is essential for the survival of the business, “key man insurance“ can be taken out on the life of such a partner or shareholder. The premiums are paid by the business and the benefit is paid to the business to prevent financial loss or to appoint and train a replacement.

In the case of a “sole proprietor”, succession planning is dealt with in the Last Will and Testament.

  1. All the value of the business vests in the deceased estate.
  2. Planning is essential as the business terminates at death, although the executor may sell it as a going concern.
  3. It is a good idea to grant a right of first refusal to an associate, who can purchase the business and intellectual capital at the time of the death.
  4. A life policy can provide for cover on the life of the owner, with the associate being the beneficiary, and the proceeds at time of the death utilised to purchase the business.
  5. It deserves no debate that planning increases the benefit for the estate as opposed to closing the business down, where the assets will be worth far less.

Continued succession planning must be part of your business strategy to ensure your hard work benefits the right people.

This article is a general information sheet and should not be used or relied on as legal or other professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your legal adviser for specific and detailed advice.

OPVOLGBEPLANNING

OPVOLGBEPLANNING

MHI_A3BDie besit van ‘n besigheid vereis noukeurige opvolgbeplanning en is deel van jou boedelbeplanning, omdat jy moet bepaal wie jou gaan opvolg, of wie jou aandele gaan koop, of wie geregtig sal wees op die inkomste na jou dood. Die toekomstige eienaarskap van jou besigheid is op die spel.

‘n Vennootskap word outomaties ontbind by die dood van ‘n vennoot en die oorblywende vennote moet dan die vennootskap ontbind en die bates onder mekaar verdeel.

In die geval van ‘n Maatskappy mag die aandeelhouers ooreenkom dat:

  1. Die oorblywende aandeelhouers ‘n reg van eerste weiering het om die oorlede aandeelhouer se aandeelhouding te koop, in teenstelling met ‘n bemaking in ‘n testament.
  2. Die toekoms van eienaarskap of aandele gereguleer kan word deur ‘n skriftelike ooreenkoms tussen aandeelhouers en word na verwys as ‘n “koop- en verkoopooreenkoms”, wat ‘n invloed het met die dood van ‘n vennoot of aandeelhouer.
  3. Die koop- en verkoopooreenkoms verplig die eksekuteur van die oorledene om die aandele aan te bied teen ‘n voorafbepaalde prys, en lewenspolisse tussen aandeelhouers onderling dek gewoonlik die koopprys. Die oorblywende aandeelhouers is verplig om te koop.
  4. Die oorblywende aandeelhouers is die begunstigdes van die lewenspolis op die lewe van die oorledene en gebruik dit om die aandele te koop, normaalweg pro rata tot die aandele wat hulle reeds besit.
  5. Koop- en verkooppolisse val buite die boedel van die oorledene en die opbrengs is nie onderhewig aan boedelbelasting nie, op voorwaarde dat die volgende drie vereistes nagekom is:
    • Geen van die premies moes betaal gewees het deur die oorledene self nie;
    • Die aandeelhouers-verhouding moet bestaan ten tye van die dood;
    • Daar moet ‘n skriftelike ooreenkoms wees.
  6. Wanneer die vaardighede en kennis van ‘n vennoot essensieel is vir die voortbestaan van die besigheid, kan “sleutelmanversekering” uitgeneem word op die lewe van sodanige aandeelhouer of vennoot. Die premies word betaal deur die besigheid en die opbrengs word betaal aan die besigheid self om finansiële verlies te voorkom of om ‘n plaasvervanger aan te stel en op te lei.

In die geval van ‘n eenmansaak behoort opvolgbeplanning in die Testament behandel te word.

  1. Die volledige waarde van die besigheid vestig in die bestorwe boedel.
  2. Beplanning is essensieel omdat die besigheid by dood termineer, alhoewel die eksekuteur dit mag verkoop as ‘n lopende saak.
  3. Dis ‘n goeie plan om ‘n reg van eerste weiering te gee aan ‘n vennoot, wat dan die besigheid en intellektuele kapitaal na die dood kan koop.
  4. ‘n Lewenspolis kan uitgeneem word waarin die eienaar se lewe verseker is, die vennoot die begunstigde is en die opbrengs by dood aangewend word om die besigheid te koop.
  5. Dit is voor die hand liggend dat beplanning die voordeel vir die boedel verhoog, in teenstelling met die sluiting van die besigheid waar die bates veel minder werd sal wees.

Deurlopende opvolgbeplanning moet deel wees van jou besigheidstrategie om te verseker dat jou harde werk die regte persone bevoordeel.

Hierdie is ‘n algemene inligtingstuk en moet gevolglik nie as regs- of ander professionele advies benut word nie. Geen aanspreeklikheid kan aanvaar word vir enige foute of weglatings of enige skade of verlies wat volg uit die gebruik van enige inligting hierin vervat nie. Kontak altyd u regsadviseur vir spesifieke en toegepaste advies.

VINNIGE EGSKEIDINGS IN KAAPSTAD

VINNIGE EGSKEIDINGS IN KAAPSTAD

MHI_A4BEgskeidings kan baie hartverskeurend, duur en tydrowend wees wanneer partye nie op ‘n skikking kan ooreenkom nie.

Tog is alle hoop nie verlore nie. Baie jong paartjies kies om te trou in terme van ‘n huweliksvoorwaardekontrak (hierna verwys as “hvk”) waarin hulle hul eiendom verklaar, asook watter bates buite rekening gelaat moet word. As ‘n paartjie nie ‘n hvk geteken het voor hul getrou het nie, kan hulle steeds op ‘n skikkingsooreenkoms besluit teen die tyd wanneer hulle paadjies skei, en kan hulle dit op skrif stel. Hierdie skikking word ‘n Skikkingsakte genoem en vorm deel van die finale egskeidingsbevel.

‘n Skikkingsakte sit die voorwaardes uiteen in terme waarvan die partye kies om hul eiendom, wat hulle tydens hulle huwelik bekom het en steeds het, te verdeel. ‘n Skikkingsakte vervat ook bepalings rakende die onderhoud, kindersorg, mediese sorg en enige ander probleme wat kan ontstaan met betrekking tot hul minderjarige kinders. ‘n Skikkingsakte kan ‘n onbeperkte aantal kere verander word voor dit deur die Hof geëndosseer word, solank beide partye op die veranderinge ooreenkom. Sodra die partye so ‘n Skikkingsakte aangegaan het en die dagvaarding alreeds beteken is op die Verweerder, kan die partye binne ‘n week ‘n finale egskeidingsbevel bekom. Dit is belangrik om daarop te let dat waar minderjarige kinders betrokke is, dit eers deur die Gesinsadvokaat geëndosseer moet word ten einde te verseker dat die reëlings rakende die minderjarige kinders ooreenstem met die Kinderwet. Indien daar geen probleme is met die reëlings rakende die minderjarige kinders nie, sal die Gesinsadvokaat slegs sowat twee dae neem om dit af te handel.

‘n Egskeidingsbevel wat ‘n Skikkingsakte inkorporeer, kan in die Streekshof of Hooggeregshof verkry word. Die Kaapse Hooggeregshof het jurisdiksie oor die Wes-Kaap en is ‘n vinnige hof wanneer dit kom by die finalisering van ‘n egskeidingsaak. Die partye kan hul eie datum in die Kaapse Hooggeregshof kies, solank dit op ‘n hofdatum val, en al wat nodig is, is ‘n kennisgewing van ter rolle plasing. Hierdie kennisgewing dien as ‘n bespreking vir daardie datum en as kennis aan die Verweerder dat die saak op dié datum aangehoor sal word.

Een of albei party moet teenwoordig wees by die hof op die datum soos aangedui in die kennisgewing van ter tolle plasing. Dit word sterk aanbeveel dat die partye van ‘n advokaat gebruik maak om die proses so vinnig en pynvry as moontlik te maak.

‘n Egskeiding is nooit aangenaam nie, maar ‘n mens moet onthou dat dieselfde partye wat nou om ‘n egskeiding vra eens op ‘n tyd beloftes aan mekaar gemaak het om mekaar te versorg. Egskeidings hoef nie jare en baie trane te kos nie; dit kan vinnig en hoflik afgehandel word. Selfs al het die huwelik nie gehou nie, sal die herinneringe vir ewig bly.

Hierdie is ‘n algemene inligtingstuk en moet gevolglik nie as regs- of ander professionele advies benut word nie. Geen aanspreeklikheid kan aanvaar word vir enige foute of weglatings of enige skade of verlies wat volg uit die gebruik van enige inligting hierin vervat nie. Kontak altyd u regsadviseur vir spesifieke en toegepaste advies.

FAST DIVORCES IN CAPE TOWN

FAST DIVORCES IN CAPE TOWN

MHI_A4BDivorces can be heartbreaking, painful, costly and time consuming when parties cannot reach a settlement between themselves.

However, all hope is not lost. Many young couples choose to get married in terms of an antenuptial contract, which states what each party declared to be excluded from the matrimonial estate and will remain each party’s exclusive property. If a couple does not have an antenuptial contract when they choose to go their separate ways, but already have a settlement in mind, whether it be with regard to property or children, they have the option of entering into a Consent Paper.

A Consent Paper states the terms on which the parties choose to divide their property or items that they have accrued over time. A Consent Paper should also deal with the maintenance, child care, medical care and any other issues that can arise with regards to minor children. A Consent Paper can be edited many times before it is endorsed by the Court, as long as both parties are in agreement. Once the parties are in agreement and summons has been served on the Defendant, the parties can obtain a final divorce order as soon as the following week. It is important to take note that where there are minor children involved, the Consent Paper must first be endorsed by the Family advocate in order to make sure that the arrangements regarding the care of such minor children are in line with the provisions of the Children’s Act. If there aren’t any issues with the arrangements as set out in the Consent Paper the Family advocate usually only takes about two days to endorse the Consent Paper.

A divorce order incorporating the Consent Paper may be obtained in the Regional Court or the High Court. The Cape Town High Court has jurisdiction over the Western Cape and is a speedy court when it comes to divorce matters that have been settled. The parties can choose their own divorce date in the Cape Town High Court provided that such date falls on a court date. This notice serves as booking for that date and as notice to the Defendant of such date.

One or both of the parties have to be present in court on the date as set out in the Notice of Set Down. However, it is advisable to use the services of an advocate in order to make the process as efficient and painfree as possible.

A divorce is never pleasant, but one should remember that once upon a time, the same parties that are asking for a divorce now, made promises to each other to take care of each other for better or for worse. Divorces don’t need to cost many years and tears, it can be finalised amicably and quickly. Even though the marriage itself was not meant to be, the memories will last forever.

This article is a general information sheet and should not be used or relied on as legal or other professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your legal adviser for specific and detailed advice.