VOICE OF HOPE The Official Newsletter of Hope Restoration Ministries ISSUE

July 2010
04

It’s time to
GROW UP
Know your Rights
Why Dedicate
My Baby?
How to keep the
Fire burning in your marriage

STANDING IN THE GAP

Voice Of Hope Newsletter Voice Of Hope Newsletter

It’s time to
From the Editor
Welcome to our new look “VOH”. This has been designed to
GROW UP
give you a more professional look while providing for ease of read as
When you came into this world as a newborn baby, you

ISSUE 04
well. The articles are just as relevant and powerful. Please write to
me at editor@hrm.org.za and let me know what you think of the new had a lot of growing to do! You weighed only about two or
look and of course what you would love to see more of in your VOH. four kilograms and you were about 50 centimeters tall! How
Remember, it is your magazine HRM’ers so, get involved. The World heavy and tall are you now?
Cup is in full swing and South Africans have once again been united
by Sports. All races have been supportive of this major event with
the whole of Africa so proud to host an event of this magnitude. VOH GROWING UP is something that you are What are the signs of growth?
is behind Bafana Bafana all the way!!! doing all the time--little by little, day by day, We are to KEEP ON GROWING every day
awake or asleep. Sometimes it may not even of our Christian lives and we are never to
Some of you were concerned about the VOH being a bi-monthly seem as if you are growing, but if you are stop growing! When we fail to grow as we
Tumi publication, well, I am happy to report that VOH will continue to be a young and were to compare your height with should we are disobeying and displeasing
monthly publication again so please do call us for affordable what you were one year ago, you would God. Remember growing in one area and

JULY 2010
advertising rates. In fact, if you take space for 3 consecutive issues, see a difference.
you will receive a 10% discount. June 20th being Father’s Day, VOH
wishes all our HRM fathers a blessed day. May He keep you safe Luke 2:52 Jesus grew both in body and in
and give you wisdom in being fathers after His own heart. You are wisdom, gaining favour with God and people.
our heroes. This issue is jam packed with a looooot of great articles, There are 4 different types of growth in life
from family, to money, to legal, to the bible to all you need all in one according to Luke 2:52
magazine. Enjoy the read. Till next month...
Physical growth
Intellectual growth
not growing in another is as a problem as
not growing at all. What is the point of being
a spiritual giant and a social midget? Live a
balanced life. Here are some of the ways one
shows their growth.
• Things that used to intimidate you
don’t anymore.

What’s Editorial Team Spiritual Growth

Social Growth
• Mature people leave their comfort
zones.

inside Editor in Chief

Pastor SC Mathebula Those who are born need to grow! Those
• Grown up’s don’t have to wait to be
told what to do, they do what they
Assitant Editor who are born again need to grow spiritually! know they have to do without being
Pastor PM Mathebula
What’s on
Those who have brains need to grow in policed.
It is time to 03
Editor maturity! Those who are social beings need • Grown ups learn from their mistakes
grow up Boitumelo Shilubana to grow socially! This is called balanced and the mistakes of others.

How to keep the 04

in July? Layout Designer
Thabiso Albert Monare
growth. God wants every believer to
GROW UP! Suppose you met a man who
fire burning in your Advertising & Sales was 27 years old and he was still wearing May the Lord help you as you navigate
11 World Cup Final Boitumelo Shilubana diapers and drinking from a baby bottle. through life. I and my wife love you and value
marriage
15 – 18 Youth Conference 011 393 1431 Would something be wrong? your constant support. We also pray that
24 Membership Class Publisher Jesus Christ will continue to show His favour
Know your Faith, 07 Hope Restoration Ministries Being a baby is wonderful, but you should on you and your families. If you draw near to
Know your Bible Printers not stay a baby too long! In life, there comes Him, He will draw near to you, till next time,
Bhubezi Printers a time where we need to take responsibility. God bless you...
In Hebrews 11:24-26 “By faith Moses, when
Why dedicate my 08
Church Contacts he had grown up, refused to be known as
baby? Tel/Fax 011 976 0600/1 the son of Pharaoh’s daughter. 25 He chose
www.hrm.org.za to be ill-treated along with the people of God
Medical Negli- 09 rather than to enjoy the pleasures of sin for a
gence. Know short time. 26 He regarded disgrace for the
sake of Christ as of greater value than the
your rights
treasures of Egypt, because he was looking
ahead to his reward.” 03
Will your 10
funeral policy Cover Photo Article by Pastor Siphiwe Christopher Mathebula who is a co-founder and senior Pastor of
pay out? Mr & Mrs Mathenjwa Hope Restoration Ministries. He is also Editor in chief of Voice of Hope Magazine
 Voice Of Hope Newsletter
The bliss of marriage A 25 year journey.
25
Years?
Wow!
This year on November
30th, Mr and Mrs
Mathenjwa will be
celebrating their
Silver Marriage
Anniversary. When
asked how they feel
about it, they both
sighed, like I had asked
them a loaded question.
Here unfolds their story.
How it all began
We met at Shukumani Higher
Primary School in Tembisa in 1977.
We dated for 7 years before mar-
riage which we wouldn’t advise the
youth to do. Then Baba Mathen-
jwa looks at her, softly touches her
cheek and says “I used to call her
Zandi then” then they both burst
out laughing. “Now she is Ma
04 Mathenjwa or Siza. I gave her the
name Siza because she is always
The Mathenjwa Family helping people”
Back L-R: Mduduzi (1st born), Nonceba (Mduduzi’s wife), Nsizwa (2nd Born) Mid-
dle L-R: Mr T Mathenjwa, Mrs Z Mathenjwa, Buhle (3rd born)
Front: Mpumi (Last born)
The wedding
Our wedding was simple compared to
today’s weddings. We wore 2 sets of
2-piesces. A 2-piesce is a twin suit that was
used for weddings in black culture instead
of the wedding gown. We then went to
Jan Smuts airport (the now OR TAMBO int.)
Holiday Inn to celebrate with our family and
friends. It was a beautiful day.
Early struggles
in marriage
Mama: I loved my family too much and
wanted and insisted on going to see my
mother every day after work which I did for a
while. My husband didn’t like it and I never
understood why. It took me a long time
to get to the level of understanding what it
means to leave and cleave, but it was a huge
cause for fights in the early years of our
marriage. We never got any type of
counselling prior our marriage so it was
pretty much like a jungle and one had to find
their way out. Also having to ask for
someone’s opinion / permission instead of
doing things your own way used to be a
problem for me. Another issue for us was
that my husband was very vocal about things
he was unhappy about, but I didn’t say
much. He was very harsh and heartless at
times. He wasn’t receptive of correction and
it made it difficult for us to deal with our
problems. We were also struggling
financially. We lived by begging and
borrowing money. The way we used to fight,
there were times I thought of killing my kids
and walking out of my marriage because it
was heading down the drain. I would also
wish that Mathenjwa would die.
It was a hard time.
Baba: I was a horrible, heartless man.
Everybody was afraid of me and that
affected our marriage negatively. Every
time we had a fight or an argument I
would tell my wife “I’m going to divorce
you.” I told her these words so many
times, almost every day. I would even
go the extent of locking her out of
the gates if she had made me angry.
This was the language used by my parents
when I was growing up and it seemed ok
to me. I used to be so cheeky and moody
that no one could talk to me and that made
me proud that people respected me. Even
my colleagues at work never believed that I
was married and had children the way I was
harsh.
How it all
changed
Baba: It is such a long story we could write
a book, but my wife’s God made all the
difference. My wife got saved and contin-
ued to pray for me. I started seeing a lot
of changes in her conduct that I wanted to
go with her to this prayer group that she
kept mentioning. It was an old women’s
only prayer group, but I still went. I wanted
to see and hear what they were saying to
my wife that brought all the difference in
our marriage. I found old grannies crying
and calling on God the whole night once a
month. I continued to go even on days when
she wouldn’t go. Those old ladies taught
my wife and I how prayer can sustain a mar-
riage. I got saved a few months after that.
One day, many years after our marriage, I
was praying and God told me that before he
addressed my needs, he needed me to go
and ask for forgiveness from my wife. He
showed me ALL the wrongs I did her most
of which she didn’t remember. This was a
difficult task for me, but the minute I asked
for my wife’s forgiveness, I was baptised
with the Holy Spirit and received the gift of
speaking in tongues there and there. When
the bible says in 1 Peter 3:7 “Husbands, in
the same way be considerate as you live
with your wives, and treat them with respect
Voice Of Hope Newsletter
as the weaker partner and as heirs with you
of the gracious gift of life, so that nothing will
hinder your prayers.” God means business.
Mama: If I say salvation kept my marriage, it
will sound like such an understatement, but
it is true. We used to travel by train to go to
work. I would go into the church couch and
Mathenjwa would go into the “mzabalazo”
couch. There was a young man in the train
called Siphiwe who used to preach the word
of God every morning in the train and this
was my daily food. Little did I know that one
day that young man would be my Spiritual
father and that I together with my husband
would be part of Hope Restoration Ministries.
The seeds of hope he laid in my heart that
many years ago in the train, continued to
grow. The prayer group my husband men-
tioned, those old ladies taught how to care
for a man and what marriage was all about.
Thank God for praying women.
Both: We took a day out one day and wrote
all the things about our individual families
we loved and made another list of all things
about our individual families we didn’t like,
and then we drew up our own list of things
we wanted to incorporate in our marriage.
We also used this time to pray for all those
curses over our families that they wouldn’t be
a part of our lives anymore.
Dealing with
conflict
Always attack the problem and not the
person. Two wrongs don’t make a right. If
your partner does or says something hurtful,
you do not help the situation by doing or
saying something worse it is vital to talk to
each other with respect and humility. Just
like the bible says, “submit one to another.”
Remember that at another time it will be you
needing to be treated with grace. Building
a successful marriage doesn’t take a day. It
is a life long journey. In your anger, do not
sin. We used to spend three weeks without
a word when we had had an argument, but
now even 6 months go by where we don’t
have an altercation, so be patient with one
another. 05
 Voice Of Hope Newsletter
Roles in the
home
Baba: Most men force the idea that they are
heads in the homes but they do not live as
such. A father, husband, needs to listen to
God for direction for the family. The wife and
children need to hear you in God’s presence
and hear you praying for them. God also
expects us husbands to love our wives like
He loved the church. If you love your wife,
you will treat and talk to her like a queen
not an enemy.
Mama: The wife should submit to the
husband, that is the word of God. I have
seen God fight battles for me when I chose
to submit even at times when I believed my
husband was wrong. Do good to your
husband even if he does you wrong. Be
humble at all times. Live a life of prayer.
On Family &
Ministry
We teach our children that all we have is from
God. God is a priority in our lives then family.
When God is a priority then all other things
tend to fall into place. We pray that through
our way of serving God and the children
seeing the fruits of this, they themselves will
be encouraged to live a life pleasing to God.
Children can also make you fight by running
to a “softer” parent. Do not allow this. Both
of you should agree on discipline methods
and carry them out the same. Don’t be
comfortable with the children loving you and
not loving their father / mother the same way.
How to keep the
fire burning
Baba: Do not compare your partner to
someone else’s partner. If you do that, you
slowly kill the fire in your love. When you
see someone else as better than your own
06 partner, you will not see their good or beauty
anymore. Ask the Lord to help see your
partner is a new way every day. Don’t stop
playing with each other. It keeps you young
- and you don’t get bored. Pray together for
your marriage.
Mama: protect each other from children,
family and others. When you have done
wrong and your partner protects you instead
of exposes you, it raises a new level of love.
Wives, serve your husbands well in all things
from the kitchen to the bedroom.
Message to
newly wed’s
Baba: Number 1, if the Lord does not build
your house, your labour is in vain. You need
the Creator of marriage to be a priority in
your lives and your marriage. Number 2,
patience-remember none of you are perfect.
It will take time to get to know each other.
Mama: Communication is important. It
doesn’t help to keep things bottled up. The
couple MUST lead a life of prayer. I
encourage couples to attend marriage
seminars and learn from others. These
helped our marriage a lot.
Advice to young
people
Young people get themselves involved in
relationships while too young. This is not a
good thing as they get into relationships that
cause permanent damage to themselves
and their future marriages. Old hurts are
brought into the marriage and bring in extra
baggage. Most young people have also
taken God out of their life partner decision.
When people connect only physically and
not spiritually it brings a lot of unnecessary
burden on the relationship. They also marry
unbelievers because they are short sighted.
Young people should stay pure and create a
relationship with God so that they can hear
from Him about their life partner. Marriage is
not for kids!
Things you
didn’t know
about the
Mathenjwa’s
Baba: He used to play professional soccer
with some of the clubs in the NPSL (currently
known as PSL) like Witbank Black Aces,
Dribbling Wizards (Swaziland) and Orlando
Pirates. He also played for, founded and
coached Classic FC based in Tembisa.
Mama: she is a mean cook. Any dish is
child’s play to her.
We hope this article has helped bring hope
and healing to your marriage. Let us know
how it impacted on your own marriage,
editor@hrm.org.za.
Know your Faith,
Know your Bible
What sets us APART as born again CHRISTIANS
– A brief comparison with Islam
The Christian faith and its value
proposition is best showcased when
contrasted with some of the alternate faiths
that are on offer elsewhere in the world. It is
when we know what we have in relation to
the precepts of other faiths that we truly
appreciate the gift of fellowship with Christ
that has been afforded us.
It is estimated that the two most popular
faiths in the world are Christianity and Islam
with 2 and 1.3 billion followers respectively
across the world. The Islam faith with its
followers (referred to as Muslims – Sunni and
Shiite) is based on the teachings and life of
Prophet Muhammad and these teachings
are contained in a number of writings, these
include the Qur’an, the Hadiths and Sira (life)
of the prophet the latter two forms what is
called the “Sunnah – the way of the prophet”.
On the other side the Christian faith is based
on the teachings of Jesus Christ and is
fundamentally based on writings as
contained in the bible which is firmly and
justifiably believed to be the word of God.
History informs us that Christianity was
founded before Islam.
Christianity and Islam do carry some
similarities, amongst these is the belief that
there is one creator (referred by Muslims as
Allah and by Christians as Jehovah), these
faiths mutually believe in the existence of
demons and angels, furthermore both
religions believe in the virgin birth of Jesus.
Both these religions believe in the existence
of heaven as a place of reward of the in the
afterlife and in hell as a place of punishment
in the afterlife. In as much as there are these
similarities, there are striking differences
which differentiates the Christian (to Islam)
faith in ways that are irreconcilable.
Let us look at these at a very high level.
Johnson Makhubu is a zonal pastor responsible for the Birch Acres area and enjoys spending time in the study of
Firstly Muslims reject the fact that Jesus
Christ is the Son of God, God incarnate and
Saviour of the world. This off course is the
gateway to eternal life; it is a pre-requisite
according to the writings and the
pronunciations of Jesus Christ whilst on
earth. The Islam faith belief holds the view
that Jesus Christ was another prophet of
God whose message has been corrupted;
furthermore it is a held view that Jesus was
not crucified but was rather ascended bodily
into heaven (as in the case of prophet Elijah)
and that a disciple died in his place. The
latter would therefore lead followers of the
Islam faith not to believe in the resurrection of
Christ since he did not die – the resurrection
of Christ in the Christian faith is the pinnacle
of the victory that Christ received for the
Saints and manifests the power of the Holy
Spirit (a member of the Godhead) who
resurrected him from the dead.
The points of departure as out lined above
are irretrievable and causes for eternal
borders to exist between these two faiths.
The Christian faith is set apart in the main by
Jesus Christ the son of the living God – the
Saviour to the world engulfed in sin.
It is also important that one notes the fact
that the Christian faith holds true to the bible
as the word of God – a bible which is a
consistent scientifically proven set of events
corroborated by a number of scribes writing
over different periods of time, whilst the
Qur’an is an account of one man’s
experience and his recorded life.
It would be impossible to complete the
contrast between these two faiths without
raising the overall tone contained in these
various faiths including their fundamental writings.
Voice Of Hope Newsletter
-systems of belief. Most Muslims are
exceptionally gracious and peace-loving
people and Islam has many elements of
peace in it. However, anyone who wants to
commit violence has perfect justification for
doing so from the Qur’an. Many passages
in the Qur’an exhort Muslims to hate or kill
or terrorise non-Muslims wherever they find
them (See Suras 2:190-193; 2:216; 2:244,
3:56, 3:151, 4:56, etc). There is an overall
tone of violence and intolerance in the Islam
faith (See Suras 8:7, 33:1; 58:14-15; 60:1
and 60: 13) which is further from the
teachings of Jesus Christ relating to peace
(in fact he is referred to as a Prince of
PEACE). Indeed the bible does contain
elements of violence as articulated in
numerous chapters and verses of the old
testament however with the coming of Christ
to bear God’s judgement, the warfare of
God’s people as described in the Old
Testament was converted to spiritual warfare
in the New Testament (Eph 6:10-18). In the
present warfare Christians are commanded
not to curse but to bless their enemies,
overcoming all evil with good.
There is nothing like the Christian concept of
“love your enemies” or “turn the other cheek”
(Luke 6:27-37) found in Islam. While
Christianity says to love your neighbour as
yourself (Matt 19:19), the Qur’an instructs
its followers not to even take Christians or
Jews as friends (See Suras 3:118, 5:51; 64;
60:1-3).
As Christians we are privileged in following
Jesus Christ, a man who preached PEACE
and LOVE, a man who sacrificed his life unto
death and was resurrected by the power
of the HOLY SPIRIT and is now reigning in
Heaven with the Father and he will one day
return to gather his Church, a church that
received him as the Son of the living God.
Join us in the next edition as we look at how
Islam differs from the Christian faith in how it
perceives the treatment of women, salvation,
heaven and the overall nature of God.
07
 Voice Of Hope Newsletter Voice Of Hope Newsletter

Daddy Medical Negligence

Defined
Why dedicate Know your rights!

Being a husband is not a prerequisite to
being a father...(And I’m not permitting
pre-marital sex)”Even though you have
10,000 guardians in Christ, you do not have
many fathers...” (I Cor. 4:15) “And he will turn
the hearts of the fathers to the children, and
the hearts of the children to their fathers, lest
I come and strike the earth with a curse.”
(Malachi 4:6)
God is our Father in Heaven, and He wants
more people like Him. I believe He is looking
to & fro throughout the earth for people with
hearts like His own. He is a Father, and He
lovingly disciplines us like a Father. He holds
us as a Father. We can sit in His lap as a
child does with his or her father. However,
many fathers today have abandoned their
families, whether physically, emotionally or
verbally. Maybe even spiritual things have
led him astray. The devil is tricky, but not as
my baby?
“A Baby Dedication is a ceremony in which believing
parents, and sometimes entire families, make a
commitment before the Lord to submit a child to God’s
will and to raise that child according to God’s Word and
God’s ways”
Responsibilities Involved in Baby Dedication
Christian parents who dedicate a child are making a promise to the Lord to do everything within
their power to raise the child in a godly way, prayerfully until he or she can make a decision on
his or her own to follow God. Parents who make this vow of commitment are instructed to raise
the child in the ways of God, and not according to their own ways. Some of the responsibilities
include teaching and training the child in God’s Word, demonstrating an example of godliness,
disciplining according to God’s ways, and praying earnestly for the child.
At Hope Restoration Ministries we believe on a strict policy in baby dedication: Parents need to
be guided in fulfilling this Christian duty and the responsibilities accompanied by it.
Why dedication?
Legal claims for reasons of medical negligence by doctors
This article was necessitated by the growing oversight primarily by lay persons who are not
conversant with the law and the rules applicable to medical negligence cases and therefore end
up not initiating legal proceedings in a court of law because of lack of knowledge. In the book of
Hosea 4: 6, God says “My people are destroyed for lack of knowledge”.
What then is medical negligence?
Medical negligence is also known as medical malpractice. It is defined as an Improper, unskilled,
or negligent treatment of a patient by a physician, dentist, nurse, pharmacist, or other health
care professional. The negligent conduct by such professional may cause injury or death to the
patient.
Medical negligence occurs when the care provided by the professional deviates from the accept-
ed standards of practice in the medical community. In other words it is the failure of a physician
or other medical personnel to meet the standards of professional conduct for duties relating to
the medical profession. Those standards are based on what a reasonable doctor or professional
with the requisite knowledge and skills would or would not do.
A person who alleges negligent medical malpractice must prove
four elements:
1. A duty of care was owed by the physician: This legal duty exists whenever a hospital or

Skin Care
powerful as those who walk according to health care provider undertakes care or treatment of a patient.
Christ. For we have overcome him through 1. Children are an inheritance from the LORD. They are a reward from him. The children born 2. The physician violated the applicable standard of care: In order to prove this element the
our Big Daddy. to a man when he is young are like arrows in the hand of a warrior. Blessed is the man patient must show that the doctor failed to conform to the relevant standard of care. The

It’s difficult for many to even comprehend

God as a loving Father, because of their
experiences with unloving ones. With
abortion rampant & accepted, men are able
to abandon their families much earlier. Men,
we will be held more responsible for abortion
than women. We are the leaders and the
heads of households.
If we are held responsible for this
atrocity, then what should our response
be? If we are to begin living as Godly
fathers, then what does this look like?
Is adoption a practical answer that God
is giving us to redeem the fatherless?
“I rescued the poor who cried for help and
the fatherless who had none to assist him.” -
Job (Job 29:12) “[Jesus] defends the cause
of the fatherless and the widow... giving him
food and
clothing.” (Deut. 10:18)
08
Kenny miracle is a freelance video and journalist
based in the USA. This article was published with
permission.
who has filled his quiver with them. He will not be put to shame when he speaks with his
enemies in the city gate. Psalm 127:3-5
standard of care is proved by expert testimony or by obvious errors (the doctrine of res ipsa
loquitur or the thing speaks for itself).
during winter
2. We do not know how to raise them. Jdg 13:8 Then Manoah pleaded with the LORD, 3. The patient suffered a compensable injury: Without damages (losses which may be financial
“Please, Lord, let the man of God you sent come back to us. Let him teach us what we or emotional), there is no basis for a claim, regardless of whether the medical provider was Because of the cold winter we experience
must do for the boy who will be born.” negligent. in South Africa, winter can cause dry,
3. The attacks from the Evil One are vile. Mat 2:13 after they had left, an angel of the Lord ap- 4. The injury was caused in fact and proximately caused by the substandard conduct. irritated skin. When skin becomes dry and
peared to Joseph in a dream. The angel said to him, “Get up, take the child and his mother, irritated, eczema can flare. Here are some
and flee to Egypt. Stay there until I tell you, because Herod intends to search for the child The burden of proving the above elements is on the plaintiff (i.e. the patient) in a malpractice tips to care for your skin during winter or
and kill him.” lawsuit. Physicians, as professionals, owe a duty of care to those who seek their treatment. anytime the air is dry:
4. The purpose of the child is known only by the Lord. Jdg 13:12 Then Manoah asked, This element is rarely an issue in malpractice litigation, because once a doctor agrees to treat a
“When your words come true, how should the boy live and what should he do?” patient, he or she has a professional duty to provide competent care. More important is that the 1. Switch to an oil based moisturizer
5. We want to connect our children with the Lord at an early age: Jdg 13:24 so the woman plaintiff must show some actual, compensable injury that is the result of the alleged negligent and apply it immediately after bath
had a son and named him Samson. The boy grew up, and the LORD blessed him. care. Proof of injury can include the physical effects of the treatment performed by the physician, or a shower to seal in moisture.
6. The people of God will always be spiritual beings. Jdg 13:21 The Messenger of the LORD but it can also include emotional effects. The amount of compensation at issue is usually a highly 2. Continue using sun protection
didn’t appear again to Manoah and his wife. Then Manoah knew that this had been the contested part of the litigation. during winter.
Messenger of the LORD. They believe in supernatural powers, and generally have accepted 3. Don’t neglect your lips,
that no human being can live on his/her own. In the Next Edition: hands and feet.
7. This is a first step towards baptism. As a grown up, the child will be told of his/her child- • How does a patient prove medical negligence 4. Drink lots of water to keep hydrating
hood and of who he is and where he comes from. Pro 22:6 Train a child in the way he • What amounts to damages or compensable injury yourself. In winter we tend to drink
should go, and even when he is old he will not turn away from it. We grow and progress in • Can the patient contribute to medical negligence? less water because we thirst less.
our faith. The ultimate is to be soaked in the Holy Spirit for eternal life. 5. Take a multivitamin and
antioxidants supplement to help your
Article written by G Phungula, Associate Pastor at HRM, Practicing Attorney and skin regain its energy and strength.
conveyancer and founding member of lawyers voice. www.lawyersvoice.co.za Most important antioxidants for the 09
skin are Vitamin C, B, E, Zink and
Article written by Pastor Henry Skosana who is a care pastor at Hope Restoration Ministries. Magnesium
 Voice Of Hope Newsletter

Will your funeral

policy pay out?
Did you know that some funeral policies do
not pay out when the person insured dies
Book
Review
after the age of 65? Whenever you take out a
policy of any kind, make sure that you receive
a policy document and that you read the
policy document and understand it. You have
a 30 – day “cooling off” period to cancel your
policy if you are not satisfied with the terms.

Many people take out policies and when it’s

time to claim, their claim is refused. If this
happens to you, ask the insurance company
to give you the reasons in writing. If you are
unhappy about the reasons provided and
We will showcase a book every month read by the
your insurer will not assist you, you can write editor. This month’s book is “The case for Easter” by Lee
to the Ombudsman for Long-term Insurance. Strobel. This must be one of the most outstanding books
The Ombudsman resolves disputes between
I have ever read on the subject of the cross. A must have
you, the policy holder and your insurer free of
charge. The Ombudsman contact details are:
for every Christian and an evangelistic tool to non believers.
The book is available at local Christian Bookshops.
Private Bag X45
CLAREMONT
7735
Telephone No.: (021) 657 5000
Fax No.: (021) 674 0951
E-mail: info@ombud.co.za
Source: Website: www.ombud.co.za

Another tip when it comes to funeral policies

is that it is often cheaper for you to take out
one policy for your whole family than to take
a policy for each member of your family. A
good example of this is a colleague of mine
Dudu. Dudu comes from a big family of 7
sisters and brothers. She was paying over
R1 000 in funeral policy premiums monthly.
When she decided to take out a single
policy for all of her sisters and brothers, her
premium was reduced to just over R500.
She saved herself 50% in premiums and also
saved on debit order charges!

10 Article written by Phumelele Ndumo – Vilakazi;

author of the book, 7 Secrets why the rich own their
homes and founding MD of ThuthukaSA. Remem-
ber to visit our website www.thuthuka-sa.co.za for
more money tips.