If you own a home or are thinking of buying one, home owner’s insurance is a necessary evil and can even save your investment one day. But there are many different types of policies out there that can be confusing to the average home owner.
Below, we have gathered seven different kinds of home owner’s insurance to help you make sense of it all.
The question on every potential purchasers lips when considering a real estate investment is how best to time the market. Values are still declining in a down market, and the question is — how low can they go and how long should one wait?
Interest rates are bottoming out. In fact they are near an all-time low. They are unlikely to drop any further and if you wait too long you may not be able to afford to buy a home at any price.
At the other end of the scale the rental market is characterised by steadily rising rentals, driven by rising demand.
Local artist Ronald Martin West was born in Stellenbosch, Western Cape, in 1974 and his formal art training started in 1989 when he joined the PJ Olivier Art Centre with sculpture as his main subject.
“I love Italy, the Italian and French way of life, food, wine, street and café scenes, Tuscan scenery, the cobble stone streets, the vibrant colours, tango and lambada, bicycles and old cars.
Although I wasn’t around to experience the 1950’s and 1960’s, I think (or dream) that it must have been an amazing era to have lived in Italy or France.
When I close my eyes, I can smell the fresh roasted coffee, the freshly baked baguettes, and the sound of the chef, on his old bicycle, doing his daily deliveries.”
He studied briefly at the Cape Technicon Graphic Design School while working for a very well-known office automation company. In 2002, after a vivid dream, he resigned from the world of commerce and took up his brushes and paint as a full-time career. Ronald says from that point on he never looked back (12 photographs). Continue reading Ronald West’s Artwork Is All Vibrant Colours And Love Of Life→
Like most South Africans of my generation, as a schoolboy I learnt that the recorded history of Southern Africa started in the mid 17th century with the arrival of the European explorers.
Did ancient Dravidian Seafarers establish the first gold mines in Southern Africa?
We studied detailed accounts of these early settlers and their exploits as well as the references to the Portuguese explorers, such as Bartolameu Dias, who preceded them by about 100 years.
According to this history the Khoisan or San people inhabited the Southern African region and preceded the Bantu people who gradually displaced them as they migrated south into the coastal regions of what is now known as the Cape. In a previous post, which you can find here, we covered the many languages spoken by the Khoisan.
In this short video clip the dancers, from Rythm-in-Line based in Hermanus, are strutting their stuff at the Two Oceans Hermanus Whale Festival 2011.
This world-renowned event takes place over 5 days, from 30 September through 4 October. Literally hundreds of thousands of visitors come to enjoy the local Hermanus hospitality.
Hermanus is known as the best land-based whale watching destination in the world and the whales are always the star performers of the festivities. This year is the 20th festival and it looks set to break records with the number of visitors peaking at an estimated 200 000 on Saturday.
One beautiful sunny morning, a few days ago, while walking the long stretch of beach named Grotto Beach near Voëlklip on the Hermanus coastline, I came across this amazing sight — the after-birth of a Southern Right Whale, washed up on the beach. At least, that’s what I think it was.
The whale that is seen most often in Walker Bay is the Southern Right Whale, so my assumption is that it once belonged to a Southern Right. However, other species do make an appearance occasionally so one can’t be certain.
I didn’t know what this was at first. It looked alien lying there half buried in the sand. I took these photographs and it was only a few days later, after doing some on-line research that it finally dawned on me — it was a whale’s placenta.
An alleged US spy drone crashed into Pakistani territory last week.
Strangely, it looks like nothing seen in that theatre before. Stranger still, it looks a lot like the Festo SmartBird an amazing robotic bird.
The thing is, there are some significant differences. For one thing the Festo SmartBird flaps it’s wings while the drone that crashed in Pakistan is thought to have had some form of propulsion — like a propeller perhaps.
Internationally renowned artist, and local Hermanus resident, Derrick Dickens’ aviation artwork featuring aircraft of the Royal Navy’s Fleet Air Arm, as seen here, is the subject of a recently published book.
This magnificent work of 168 pages is entitled Illustrated History of the Fleet Air Arm – Stringbag to Shar 1938 to 2006. It features paintings of every type and mark of fixed-wing front line aircraft to serve in the FAA from 1938 to 2006.
The forward was written by the Admiral of the Fleet, HRH Prince Philip, Duke of Edinburgh. Prince Philip also chose the painting Swordfish, on page 6 of the book, which now hangs in Buckingham Palace.
One of the advantages for buyers of property in the current economic climate in South Africa is the increased availability of Bank Repossessed homes on the market.
When borrowers default on the payment terms of the mortgage loan, eventually this will lead to legal action by attorneys instructed by the mortgage holder.
A judgement is obtained in the High Court and the property is then attached and sold by the Sheriff of the High Court at a sale in execution. If the auction fails to achieve the bank’s reserve price, then the property will be bought by the Bank and placed on the market again. This is called a Property in Possession (PIP). Continue reading Top 10 Tips for Buying A Bank Repossessed Property→