What is the Petrol Price all about?

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PETROL PRICE – Contributing Factors

Springtime Good News

Spring is in the air and time to hit the road and enjoy the warmer weather. What better news to receive than the petrol price going down by 5.2%! After the significant fuel price increase during the past winter, South Africans can celebrate a lower petrol price of 69 cents per litre to R12.57 for 95 unleaded petrol in Gauteng, while diesel now costs R10.40 per litre for 0.5% diesel, 51 cents less. This accounts for a total retail petrol price decrease of 95 cents since 1July this year, offering great relief to both consumers and businesses.

Factors Affecting the Petrol Price

There are a number of factors influencing the determination of fuel pricing, making it no simple matter. This urges the government to revise fuel prices from month to month.

Brent Crude Oil:

The global price of the crude oil used for making petrol and diesel plays the biggest role in the petrol price. South Africa, as many other countries without any natural oil resources are at the mercy of the oil barons of the world. The price of crude oil is directly linked to the climate of foreign relations, war in the Middle East, specific seasons and of course supply and demand. For the first time in six years, the price of Brent crude oil dropped below $50 a barrel at $42.51 in August 2015, causing this month’s SA petrol price drop. For the past number of years, the crude oil prices fluctuated and mostly peaked due to the US / Iraq war and tension in the Middle East. The recent oil price decrease is due to the stronger US Dollar, global oversupply of oil and OPEC’s (Organization of Petroleum Exporting Countries) unwillingness to cut production, US nuclear deal with Iran, growing tendency for switching to alternative fuels, China’s currency devaluation and weak economic activity causing low oil demands.

Rand Value:

The political climate and health of the South African economy have a direct and profound impact on the value of our currency. The South African Rand took quite a plunge to it’s lowest point in five years, from a value of R7.26 in 2011 against the US Dollar to R13.44 on 2 September 2015. Even though the price of Brent crude oil dropped significantly, the exchange rate buffered the drop in our petrol price to some extent.

Government Fuel Levies:

According to The National Roads Act of 1971, the government of South Africa is allowed to collect a fuel levy. These taxes are a certain percentage of every litre fuel sold and are the easiest way to collect money for the failing e-toll budget systems, for example.

Petrol Price Ripple

A high petrol price has far reaching ripple effects in all areas, negatively affecting citizens from all walks of life. This all surely effects inflation too. Whether you make use of your own vehicle or public transport, you surely end up with less money in your pocket. The famous negative public saying sums it up fairly accurate: When the fuel prices go up, everything else go up too, but when it comes down, nothing else do. What most of us don’t always understand are all the factors responsible for this scenario. Even though the lower petrol price might not hold many other advantages for the moment, we might as well enjoy it as it is. We can at least go out and live a little!

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This article originally posted on http://generalcarinsurancequotes.com/ and re-posted here with permission.

The Struggle for Power

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How to handle a power struggle

I am a step mother and married for the second time to a really sweet man who has two children.  Both of these children have been baiting me for a couple of years in a ‘power struggle’.  In the beginning I was to naïve to even comprehend that children do things like this.  I soon realised that they both were playing me with the strategy of ‘who’s the boss’.

To my mind I think the both of them are defiant and according to me I believe they are lazy.  I realised that they both were working against me to make me look bad each time in front of their dad.  It took me a while to realise what was happening.  I then took the stance of not confronting them and just letting things ride.

Staying in control is my main objective so I have to stay calm, take a deep breath and wait.  In the mean time I would make a statement and say something like ‘Hmm, I see my kitchen cupboards are not wiped off.  What is happening?’  Waiting to see the reaction of the children and of course what their dad was going to do.

Needless to say ‘power struggles’ is a way of life in grown-up and children dynamics, the one thing I learned is to pick my battles.  The other thing I also learned is they gang up against me and I cannot win.  So I need to be more wise then them, when they think they will make me really angry, I laugh at them and walk away, but to be really honest I want to break their little necks.  So I pretend it doesn’t matter and give me self-permission to move on.

In the meantime I have had to learn to relax and just ignore them, I won’t get involved with ‘power struggles’.  In ignoring the situation and moving on makes them feel inferior not me.

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Author:              Yvette van Niekerk

Biography:      As a Freelance writer I love blogging and writing, I hope to become a well-known name in the      world of writers one day.

Link:                yvettevniekerk.blogspot.com

Contact:          yvettevn007@gmail.com

 

 

This article originally posted on http://generalcarinsurancequotes.com/ and re-posted here with permission.

Does luck have anything to do with it?

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What role does Luck really play?

I thought we should look at the meaning of the word ‘luck’ according to Merriam Webster Dictionary.

Full Definition of ‘LUCK’

1a:  a force that brings good fortune or adversity

1b:  the events or circumstances that operate for or against an individual

2:  favouring chance; also:  success <had great luck growing orchids

So ‘luck’ is supposedly ‘a force that brings good fortune’. We will leave the ‘adversity’ for now.  It could also be ‘the event or circumstance that operates for you’.  Let’s not focus on the negative.

In other words, to become successful and have great ‘luck’, you need to enjoy the ‘force’ of favour. Who is the ‘force’? It is obvious to me, God of course.  To you it may be the ‘universe’ and to others, maybe ‘other gods’.

As a believing Christian I believe the ‘force that brings good fortune’ is my Lord.  I know that when I pray and am specific about any given situation and circumstances I am sure that it will be resolved in my favour.

I think ‘luck’ doesn’t have anything to do with it, I believe it is my attitude and my circumstance and where I find myself in life.

To my mind, ‘luck’ sure doesn’t have anything to do with it, we all need ‘good fortune, supernatural favour and success’ in whatever we aspire to be doing right now.  I confess boldly that I am blessed and I have supernatural favour with God and with man.  It is something I say and believe because it is true in my own life.

To enjoy supernatural favour with God and with man it is important; you will find that whatever you are working on will run smoothly.  You have that special anointing going for you.  People just seem to like you and that is what ‘Luck’ truly is.  Favour!

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This article originally posted on http://www.facts-about-insurance.com/ and re-posted here with permission.

TAKE CARE OF YOUR OWN ECONOMY

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BEWARE THE “PETTY THIEVES” – TAKE CARE OF YOUR OWN ECONOMY

Meaning, beware of those little rascals keeping us from living a life of abundance and prosperity in all areas, not only financially. Life has become more difficult in recent economical times, locally as well as globally and we need to take charge of our own economy. We can at least make some definite decisions and changes where necessary. No job, business or income is ever secured anymore. Life as we knew it is changing and the only way to survive/ thrive is to adapt.

It’s actually all in the mind. The beliefs we acquire during the years, will determine the outcome of our lives. If we can get our minds in place, the rest will follow.

Here are some of the little pipe dream stealers you might recognize, keeping us in debt and robbing us of our joy:

1. FEAR:

Mostly we commonly have a deep seeded fear of failure, right? No-one would like to fall on their faces, so to speak. Due to fear, we hesitate to start a new business or live the life of our dreams. Strangely, many have an unconscious fear of success as well. The fear of the necessary life changes and uncertainty accompanying that success can also prevent us from taking positive action towards a better life. We human beings like things to be stable and comfortable, right? In the curious little book: “Who moved my Cheese”, Dr. Spencer Johnson shows us how devastating stagnation can be and how necessary it is for us to adapt and embrace new changes. No-one knows everything when deciding on a new business. Don’t find yourself all alone and terrified. Seek the help you need to get you going, learn as much as possible and team up with the right people.

2. TIME (MIS)MANAGEMENT:

It is so easy (and popular) to blame time, or the shortage of it, for not achieving the success and lifestyle we want. If we can just tame the “time monster”, not only our finances will be better, but our whole lives really! We tend to spend way too much time on trivialities such as gossiping, watching the news and then complaining about it to others, instead of reading and learning to our advantage. We can’t do anything about it anyway. Complaining and worrying won’t make any difference, but taking positive action just might.

3. KEEPING UP WITH THE JONES’:

Now this can be really exhausting, equally so to you and your credit card! Trying to keep up with the Jones’ was the downfall of many over the years. You might have the best intentions of getting out of debt, just until the neighbours bought their new car or the newest television set, etc. This is a dangerous game to play and will almost always urge you to spend more than you earn. In turn, the neighbours might want to top your newest purchase or holiday and the vicious cycle spirals lower and lower down.

4. BELIEFS:

As children, we learn the beliefs of our parents, teachers and other influential adults. Unfortunately, some of those beliefs aren’t always correct or serve us well in our own lives. We have to be aware what is holding us back and deal with it before we can move forward.

LAW OF ATTRACTION IN ACTION

There is enough help available for starting your long wanted business or generating your own income and so securing your financial future. INDIVINEUR will be your trusted partner and adviser and will do just that for you! Bookstores are also jam-packed with books from the best teachers up for grabs. They all have one thing in common: they walked the road themselves and teach from personal experience. All we have to do is to take it to heart and live by those teachings and our lives and finances will prosper. It is as easy as that!

Many of us know about the Law of Attraction and inspiring quotes like the following,

mentioned just for a little motivation:

  1. “What you resist persists.” – Carl Jung
  2. “Whatever you think about you bring about.” – Dr. John F. Demartini
  3. “Where attention goes, energy flows”. – James Redfield
  4. “What you sow, you’ll reap.” – The Bible
  5. “This is no time for ease and comfort. It is time to dare and endure.” – Winston Churchill.
  1. “It is not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki
  1. “The mind is everything. What you think you become.” – Buddha

So why not take action and manage your own economy, because life will do it for you.

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This article originally posted on http://cheap-short-term-car-insurance.com/ and re-posted here with permission.

The Importance of Reading

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The Importance of Reading for Pleasure

Many believe that the pinnacle of relaxation is sitting down with a good book and a cup of tea, or reading before going to bed. However, only a small percentage of the population (even in developed countries) read for pleasure. The importance of reading is often given little attention to, especially with the lack of libraries in South Africa. I agree that, “if you don’t like reading, you’re not doing it right” and that reading for pleasure should be cultivated. Many are ignorant of the enormous variety of genres and authors available today.

While people can be told that reading is important, the true importance of reading – and reading widely – is much too often overlooked. Reading is not simply staring at a page with letters on it; it is a window into another world, into the minds of others, into stories you would otherwise never know of. For this reason it is important to read various genres and authors to find which type of stories you personally enjoy. The freedom to choose what you want to read will ensure that you enjoy reading, simply because it’s stories you truly care about and fires up your imagination. Brandon Sanderson wrote: “The purpose of a storyteller is not to tell you how to think, but to give you questions to think upon” and this encapsulate why reading will improve a person’s reasoning, empathy and knowledge. Reading a story puts you in another person’s shoes, showing not only how others live or think, but why they live or think in that way. It gives you the chance to “Open your eyes and then open your eyes again” (Terry Pratchett).

Neil Gaiman said that by reading fiction “You learn that everyone else out there is a me, as well. You’re being someone else, and when you return to your own world, you’re going to be slightly changed”. Reading also gives you an escape from everyday drudgery and problems. “Escapism” is often used as a way to say “you should only focus on the here and now, not dreaming about change, not finding out if the world can be made a better place, not realizing that you can escape the crab bucket”, but I, like many, see it as one of the most positive things about reading and exactly why reading must be encouraged. JRR Tolkien said: “Fantasy is escapist, and that is its glory. If a soldier is imprisoned by the enemy, don’t we consider it his duty to escape? If we value the freedom of mind and soul, if we’re partisans of liberty, then it’s our plain duty to escape, and to take as many people with us as we can!”. And that, I believe is of the greatest importance; giving each who use books to go on adventures, to read about the past or to think about the future the freedom to dream of a better world and use the knowledge and understanding they receive through reading to change the world for the better. That is why reading for pleasure should be imperative in each life and why it is so extremely important to make books and libraries available to all. That is why the importance of reading must not be underestimated.

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This article originally posted on http://cheap-short-term-car-insurance.com/ and re-posted here with permission.

Timeshare and Holiday clubs

Family on holiday sunset

Pressure selling of Timeshare and Holiday clubs

The marketers of Timeshare and Holiday clubs are well trained and smooth talkers. They have a way to make everything sound like an idyllic fantasy world of sun, surf and cocktails, all around the world. When it comes to paying though, you are totally on your own. Nobody in their office can help you get rid of what you bought but can’t afford! Be careful, don’t get caught.

Holiday clubs are a reinvention of the dodgy schemes that have long blighted the timeshare industry, particularly in the 1980s. Usually, you get a phone call at home, or are approached while on holiday.

Definition of Timeshare and Holiday Clubs

Timeshare is the annual right to use accommodation during one or more specified weeks in a holiday property or several properties.


A holiday club is where you pay an affiliation fee which allows you to reserve and pay for holidays through the club at a discounted price.

Caution when offered Timeshare or Holiday Clubs

A few tips to prepare you:

1. Be wary of forceful sales

Timeshare and Holiday Clubs are often sold using aggressive techniques, some even illegal. Sometimes you may be offered a scratch card which regularly wins a prize. To receive the prize, you’ll be enticed to a presentation and bullied into signing a contract. Be suspicious of people approaching you on the street whilst on holiday.

2. Be wary of Timeshare and Holiday Clubs resale offers

When you are in trouble and need to sell your ownership, a company may offer to resell it on your behalf for an upfront fee, which you can’t really afford, but desperation kicks in. Once you paid the fee, sales rarely happen or where they do, it is at a selling price that barely covers the fees.

Timeshare marketers may also try to convince you to buy another ‘better’ property, promising that they will sell your existing property. These sales may never happen and you’ll sit with two timeshares!

3. Contract cancellation: holiday clubs

If you are already affiliated to a holiday club and want to cancel, check the terms of your contract carefully and request cancellation immediately. There may be a cooling of time written into the small print, which allow you to walk away scot-free  in the early days.

Regulations for Timeshare and Holiday Clubs

Regulations now incorporates both Timeshare and Holiday Clubs, replacing innumerable complex systems. A cooling-off period is now stipulated. During this time, it is illegal to ask you for any money, such as a deposit or administration fee.

The regulations also state that payments are once a year and the contract can be terminated when any payment becomes due.

To avoid being scammed twice, if you want to sell your Timeshare and Holiday Clubs affiliation, only use an accredited resale broker.

VOASA, or Vacation Ownership Association of Southern Africa promotes ethical and fair trading since 1990.

Don’t be caught by pressure selling of insurance policies!

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Ref.: http://www.ukecc.net/

         http://www.moneywise.co.uk/

         http://www.voasa.co.za/

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This article originally posted on http://www.car-insurance-south-africa.co.za/ and re-posted here with permission.

Reasons for a dead car battery

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Dead Car Battery?

Dead car battery at the most impossible time?

It’s Monday morning and your car won’t start. That horrible sound echoes in your ears and eventually you just hear click … click … click.

What causes a dead car battery?

The following 10 reasons are the most prevalent causes of finding a dead car battery when you really don’t need it.

1 Headlights

You may have left the headlights on, causing the battery to go flat.

2 Inside Light/s

The car’s inside lights or radio may have been left on and this will also cause a dead battery.

3 Electrical Connection

There may be a loose or damaged Electrical connection.

4 Ignition Switch

A faulty ignition switch may cause the problem.

5 Starter

If your starter is out of order, your battery may appear to be flat and the car won’t start.

6 Coil

A faulty coil will cause problems when trying to start your car.

7 Distributor Cap

If your distributor cap is faulty, the car won’t start.

8 Fuel Pump

Take a look at your fuel pump. If damaged, the fuel won’t be able to flow.

9 Fuel Filter

A clogged fuel filter will cause problems when you want to start your car.

10 Open door or Trunk

Door or trunk left open and lights burning.

10 Ways to guard against a dead car battery

The best way to guard against a dead car battery is to take the proper precautions. The following precautions will help you keep your car battery charged and in good order:

1 Battery fluid should be maintained at the correct level

2 Check the charging system regularly

3 Keep the battery clean of dirt, grease and build-up

4 Ensure that all internal switches and lights are kept in working order – defective dashboard switches may drain the battery.

5 Ensure that your batter is sealed correctly.

6 Never overcharge your battery.

7 Do not charge your car battery for longer than 12 hours.

8 Remove build-up from your dead car battery by mixing one to two teaspoons of baking soda with two cups of water. Clean  the terminals carefully and charge the battery.

9 Have your battery water checked regularly.

10 Always carry a battery charger lead in the trunk of your car.

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.Ref:

http://www.women24.com/HomeAndAway/Motoring/10-reasons-for-a-dead-car-battery-20120416

http://www.women24.com/HomeAndAway/Motoring/Car-battery-maintenance-tips-20110519

 

This article originally posted on http://www.car-insurance-south-africa.co.za/ and re-posted here with permission.

 

The Best way to find the man of your dreams

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Love is not finding someone to live with it is finding one you can’t live without” Anonymous

What is the best way to find the man of your dreams?

It is a common need to desire a partner that suits us best. Our own uniqueness presents us with different personalities, quirks and habits. Is it possible to make sure the next relationship steers clear of the rocky patches to a peaceful island?  Let’s assume you have had a few relationships and none of them worked out the way you aspired. Your friends have moved on to husbands, long term partners and relationships.  But you are still on the playing field waiting for the home run.

Know yourself               

You have done your homework starting with soul searching; you know your strong points and weaknesses. Psychologists say the way you perceive a potential partner is hugely influenced by your personal preferences, your previous relationships and your expectations of a long term relationship.ht

Your strategy

According to Hannah Fry from TED talk, you can calculate it mathematically.  It might be an odd way at finding your perfect partner but everything is changing and this may be the best way to do it. According to her studies it all comes down to patterns and equations.  Apparently fish do the same thing in finding their mates and if we look at their population, with great success.

For example you started dating at the age of 15 and at 35 years of age you want to get married and settle down.  If you do the math the best possible strategy will be to reject the first 37%. Now after you have rejected all the other guys the next suitable guy that is better than the ones you have dated before will be the best choice for you.

After you have worked out your correct formula according to your own dating timeline will you be willing to take a chance on love the mathematical way or are you still feeling optimistic about waiting for that special connection to come first and going on second and third dates before you make your choice.

 

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This article originally posted on http://www.car-insurance-south-africa.co.za/ and re-posted here with permission.

Author: Suzette Bartlett

Freelance writer available for guest post and articles can be contacted at bartlettsuzette@yahoo.com

Is mentorship for you?

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Mentorship and your future

Mentorship is a concept that in South Africa has been around for many years, but yet many companies have not embraced it for the incredible opportunity and career advancement and indeed nation advancement that it deserves.

You may not be one hundred percent certain of what mentorship is. Wikipedia describes mentorship as being a personal developmental relationship in which a more experienced or more knowledgeable person helps to guide a less experienced or less knowledgeable person. The person in receipt of mentorship may be referred to as a protégé or a mentee.

Mentoring in Europe has existed since at least Ancient Greek times. Since the 1970s it has spread in USA mainly in training contexts, and it has been described as ‘an innovation in American management’.

This is not a specialised skill. It involves one person with business knowledge, generalist or specialist in nature, transferring their knowledge on to somebody less experienced. It is about a relationship of trust and knowledge transfer. It has a starting point, and must be governed by guidelines agreed to by both parties, inter alia how long will the relationship last, which party will be responsible for meeting dates, meeting venues etc, what the goals and objectives for each party will be.

Start-up companies and SMMEs in particular can benefit from such a relationship, but so can employees within an organisation, in career advancement and indeed personal development. Managers, CEOs and MDs, in the same vein, can benefit as they learn from those who have been there and done that.

It is not archaic, it is not soft, it is indeed vital! Research this, read more about it, and explore the amazing world of mentorship toady.

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This article originally posted on http://www.free-quote-for-car-insurance.com/ and reposted here with permission.

Power Cuts at Home

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How to Cope with Power Cuts at Home

Now that power cuts and loadshedding are almost a part of daily life, we’re all trying to find the best way to cope. It is probably a good idea to learn a few breathing exercises to use when the power is cut – even when it is scheduled. While having a braai with friends or a romantic candlelight dinner is an option for the odd power outage, it is coping on a normal work or school day that is at the top of everyone’s lists. There are some relatively easy steps that you can take without feeling as if you’re preparing for doomsday or a zombie apocalypse.

The sun always shines on… solar panels

If your budget allows you, invest in solar heating, gas appliances or a generator for your home. You must keep in mind that you will be required to use qualified technicians to install these options. Another option is a battery or solar charger for your cellphone and/or laptop.

Watch your batteries

Make sure that your cellphone, laptop or other electronics are always fully or almost fully charged. Carry an extra charger for your cellphone with you if you can. This is especially important when you need your laptop or phone for work. Be sure to unplug all your appliances and electronics when there is a power outage or loadshedding.

Turn a light on

The local camping store is a great place to look for different lighting solutions to suit different budgets. While candles are most probably one of the cheapest ways to light your home during a power outage, you can also use lanterns, solar lights, rechargeable LED lights and torches.

If you do use candles, be sure to keep them away from flammable materials, children, and pets. Don’t leave candles burning unattended. For more illumination, you can put candles in front of a mirror. If work or homework needs to be done, be careful not to get wax on the books – or set them on fire!

Think of Food

Unless you have a gas fridge, generator or solar power, you must keep food storage during a power outage in mind. Food will still be safe to eat if the power was only cut for a few hours, but you should keep your fridge and freezer closed as much as possible. Don’t keep a lot of meat in your fridge, as it can be extremely dangerous to eat meat that wasn’t stored correctly. Do not refreeze meat after it has defrosted. You should also try to keep food in the house that needs no or very little cooking to prepare. You can also keep long life milk in the cupboard to ensure that you have some fresh milk available.

Take a breather

Take the time to dig into your list of “to-read” books, or go and get some books at the local library. If you have speakers that work with batteries, you can also listen to audio books or music. You can always get out some board games (or invest in some), or get crafting with some hobbies you don’t need electricity for. Or you can simply take the time to chat and catch up with everyone. And, if you need to, you can do some more breathing exercises.

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Author: Carin Marais

Carin Marais writes web articles, guest and blog posts, and fiction. With interests ranging from pop culture and technology to literature, mythology and archaeology, her writing covers diverse subjects. To contact Carin for articles and guest posts, or to read her work, go to her home page, her blog Hersenskim or follow her on @CarinMarais.

This article originally posted on http://cheap-short-term-car-insurance.com/ and reposted here with permission.