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When assessing a consumer for credit, credit providers will not only assess a consumer’s credit report and score, but will also look to understand their affordability. A good way to assess your affordability is to work out your debt to income ratio. In summary this is your monthly debt commitments versus your income, such as your salary as well as other ongoing income streams.
To work out your debt-to-income ratio, add up all your monthly payment commitments– school fees, rent, car repayments etc. Discretionary expenses like groceries and entertainment aren’t included in this calculation. Divide this by your net monthly salary to get your debt-to-income ratio.
Subscribers of TransUnion’s monthly and annual subscriptions, can make use of the Debt Analysis Tool available on the website, to quickly determine their debt to income ratio using data in their credit report. The result can then be compared against our ranges, being:
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Overberg Agri (Pty) Ltd, with its administrative offices in Caledon, is an established player in key agricultural regions of the Western, Eastern and Northern Cape as well as Limpopo. Overberg Agri currently operates 19 retail stores, 15 grain depots and 5 convenience stores at central locations across these regions. overberg provide an extensive range of specialist retail products and services such as grain management services, agricultural resources and advice, manufacturing and marketing, precision agricultural equipment, irrigation solutions, citrus and grape packaging material and financing solutions.
Overberg Agri has its origins in two of the oldest farmers’ co-operatives in the Western Cape – the Caledon Boeren Co-operative (est. 1918) and Bredasdorp Boeren Co-operative Society (est. 1926). These co-operatives converted to companies during the late 1990’s which saw the establishment of Caledon-Riviersonderend Landbound Holdings Ltd. (CRK Landbound) in 1998 and Bredasdorp Napier Landbound Group (BNK Landbound) in 1997. In 2005 these two companies amalgamated to form Overberg Agri Limited.
On Wednesday the 2nd of May 2018, Overberg Agri Limited and Acorn Agri merged to form Acorn Agri & Food – a vertically integrated company with a presence throughout South Africa. Overberg Agri is now a part of the Acorn Agri & Food family – and is the holding company’s largest subsidiary. Acorn Agri & Food’s website can be viewed at www.acornagri.com.
overberg strive to create value through solid personal relationships based on a sound ethical foundation.
overberg stakeholders as an integral part of our business.
the creation of an environment where all employees can be successful.
the integrity of all our stakeholders.
ethical business and investments.
respect for human dignity, human rights, the rule of law and the environment.
entrepreneurship and innovation.
History
Overberg Agri has its origins in two of the oldest farmers’ co-operatives in the Western Cape – the Caledon Boeren Co-operative (est. 1918) and Bredasdorp Boeren Co-operative Society (est. 1926). These co-operatives converted to companies during the late 1990’s which saw the establishment of Caledon-Riviersonderend Landbound Holdings Ltd. (CRK Landbound) in 1998 and Bredasdorp Napier Landbound Group (BNK Landbound) in 1997.
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Mbatha Walters and Simpson has a multi-disciplinary team of approximately 50 permanent staff who have extensive experience in project cost control and project management in both building and civil engineering, as well as engineering experience in the process and mining industries. In 2008 the name changed to Mbatha Walters and Simpson and offers the following services: • quantity surveying • construction cost management • client representation • facilities planning and management • facilities procurement • lender's and donor's agency and consultancy • replacement and fire insurance valuations The firm was awarded the PMR Diamond Award for Quantity Surveyors …
Mbatha Walters & Simpson provided full quantity surveying and cost management services including the preparation of cost plans and estimates, value engineering, cost advice, administration and control, as well as the preparation of final accounts.
Mbatha Walters and Simpson believes that effective cost control is the most valuable aspect of its client services. Our cost management and quantity surveying services cover the full range of financial control for both building and civil engineering projects.
Mbatha Walters & Simpson (Pty) Ltd Quantity Surveys will ensure that all your construction functions and costs are handles with high integrity and reliability. With many quantity surveyors providing comprehensive services ranging from property and construction advice, project cost planning & management, contractual arrangement and in depth
MBATHA WALTERS & SIMPSON (PTY) LTD. Riley Road 33, 2199 Sandton, South Africa. Construction Cost Management. Select Miniyethu Solutions Wessel Road 32, 2128 Sandton, South Africa. Miniyethu Solutions company that provides tailor made solutions for the mining, automotive, construction and FMCG industries.
Mbatha Walters & Simpson Pty Ltd Sunninghill, Sandton. We provide initial cost advice and preliminary budget estimates, help with cost targets and cash flow projections, advise on contract and procedures, prepare tender enquiry documents and bills of quantities, and supply cost monitoring, reporting and control throughout construction.
Mbatha Walters & Simpson January 2001 – Present 18 years 10 months. Cape Town. Besides the region and office management activities, all aspects of quantity Surveying and cost …
33 Riley Road,Woodmead,
2191
Total Botswana (Pty) Ltd (TBO) was registered on 3 December 1980 to operate in Botswana as a fuel and lubricants marketing company. TBO is part of a global energy company and is a wholly owned subsidiary of Total South Africa (Pty) Ltd.
In May 1991, the company opened its depot facility in Gaborone and this depot has fuel storage facilities as well as lubricant storage. The depot has rail and road transport facilities to receive stock while all the deliveries are made via road transport. The depot building was upgraded in 2004, adding an additional floor.
The company’s regional office is located within the depot premises and operates in the retail and commercial sectors. TBO has about 12 service stations and two general dealer sites across the country. The company is in the process of rolling out the new T’air norms to enhance the brand within the country.
TBO has 13 staff members, of which 92% thereof are citizens of Botswana.
Managing Director: Diego Mtshali
Depot Manager: Norman Somolekae
Sales Manager: Kabo Semausu
SPAR LOWVELD DISTRIBUTION CENTRE
SPAR South Africa has six SPAR distribution centres and one Build it distribution centre. These are supported by a number of satellite warehousing hubs, which assist in reducing transport costs on certain routes.
SPAR, are a part of the community and community is like family. We strive to give you the highest quality produce, the freshest meats, and granny-approved baked goods, all at the right price, every day.
SPAR 6 distribution centres, servicing over 850 stores, allow us to offer our communities exactly what they need at just the right price.
From spar fresh produce to our meat and baked goods, spar constantly strive to source the best quality products at affordable prices. After all, you’re a part of our SPAR family and family deserve the best.
In the 1960’s with the emergence of grocery chains in South Africa, a group made up of 8 wholesalers were given exclusive rights to the SPAR name and brand in 1963, and serviced 500 small retailers.
Over time and through many mergers and takeovers, today the SPAR Group Ltd operates 6 distribution centres and 1 Build it distribution centre, supplying goods and services to over 1 000 SPAR stores across Southern Africa.
There’s something different about shopping at SPAR, that’s because we’ve created a culture of caring and community to ensure our customers have a consistently enjoyable shopping experience in a uniquely friendly and family orientated store. Nothing means more to us than our valued customers and we believe in going the extra mile to give them the best. From sourcing the finest products to providing willing and efficient staff who take a personal interest in our customers’ needs.
while striving to give our customers an enjoyable and memorable shopping experience, we also offer more than 1000 exclusive SPAR Brand products, available at stores nationwide.
Using only the best and freshest ingredients, we make premium quality products at very competitive prices. To ensure we keep ahead of brand standards, we have our products tested by an independent laboratory on a monthly basis. Because we are so sure of our quality, we offer customers a ‘Double Your Money Back Quality Guarantee’ on all our SPAR Brand products, including fresh produce purchased from us.
SPAR goal is to provide our customers with unwavering quality of the highest standards, complemented by excellent and personalised service in a warm and inviting, community environment.
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SPAR SOUTH RAND DISTRIBUTION CENTRE
SPAR South Africa has six SPAR distribution centres and one Build it distribution centre. These are supported by a number of satellite warehousing hubs, which assist in reducing transport costs on certain routes.
SPAR, are a part of the community and community is like family. We strive to give you the highest quality produce, the freshest meats, and granny-approved baked goods, all at the right price, every day.
SPAR 6 distribution centres, servicing over 850 stores, allow us to offer our communities exactly what they need at just the right price.
From spar fresh produce to our meat and baked goods, spar constantly strive to source the best quality products at affordable prices. After all, you’re a part of our SPAR family and family deserve the best.
In the 1960’s with the emergence of grocery chains in South Africa, a group made up of 8 wholesalers were given exclusive rights to the SPAR name and brand in 1963, and serviced 500 small retailers.
Over time and through many mergers and takeovers, today the SPAR Group Ltd operates 6 distribution centres and 1 Build it distribution centre, supplying goods and services to over 1 000 SPAR stores across Southern Africa.
There’s something different about shopping at SPAR, that’s because we’ve created a culture of caring and community to ensure our customers have a consistently enjoyable shopping experience in a uniquely friendly and family orientated store. Nothing means more to us than our valued customers and we believe in going the extra mile to give them the best. From sourcing the finest products to providing willing and efficient staff who take a personal interest in our customers’ needs.
while striving to give our customers an enjoyable and memorable shopping experience, we also offer more than 1000 exclusive SPAR Brand products, available at stores nationwide.
Using only the best and freshest ingredients, we make premium quality products at very competitive prices. To ensure we keep ahead of brand standards, we have our products tested by an independent laboratory on a monthly basis. Because we are so sure of our quality, we offer customers a ‘Double Your Money Back Quality Guarantee’ on all our SPAR Brand products, including fresh produce purchased from us.
SPAR goal is to provide our customers with unwavering quality of the highest standards, complemented by excellent and personalised service in a warm and inviting, community environment.
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SPAR WESTERN CAPE DISTRIBUTION CENTRE:
We are a part of the community and community is like family. We strive to give you the highest quality produce, the freshest meats, and granny-approved baked goods, all at the right price, every day.
SPAR as 6 distribution centres, servicing over 850 stores, allow us to offer our communities exactly what they need at just the right price.
From spar fresh produce to our meat and baked goods, we constantly strive to source the best quality products at affordable prices. After all, you’re a part of our SPAR family and family deserve the best.
In the 1960’s with the emergence of grocery chains in South Africa, a group made up of 8 wholesalers were given exclusive rights to the SPAR name and brand in 1963, and serviced 500 small retailers.
Over time and through many mergers and takeovers, today the SPAR Group Ltd operates 6 distribution centres and 1 Build it distribution centre, supplying goods and services to over 1 000 SPAR stores across Southern Africa.
There’s something different about shopping at SPAR, that’s because we’ve created a culture of caring and community to ensure our customers have a consistently enjoyable shopping experience in a uniquely friendly and family orientated store. Nothing means more to us than our valued customers and we believe in going the extra mile to give them the best. From sourcing the finest products to providing willing and efficient staff who take a personal interest in our customers’ needs.
While striving to give our customers an enjoyable and memorable shopping experience, we also offer more than 1000 exclusive SPAR Brand products, available at stores nationwide.
Using only the best and freshest ingredients, SPAR make premium quality products at very competitive prices. To ensure we keep ahead of brand standards, we have our products tested by an independent laboratory on a monthly basis. Because we are so sure of our quality, we offer customers a ‘Double Your Money Back Quality Guarantee’ on all our SPAR Brand products, including fresh produce purchased from us.
SPAR goal is to provide our customers with unwavering quality of the highest standards, complemented by excellent and personalized service in a warm and inviting, community environment.
7750
Southern Wind’s carpentry department constantly strives to build the lightest furniture, guarantees the Bluewater durability and seaworthiness that Southern Wind yachts are known for.
Southern shipyard and founded luxury sailing yacht builder Southern Wind. With a shipyard and a full staff with over 320 people, Southern Wind went on to produce composite sailing yachts with a combination of advanced technology and quality craftsmanship. Notable Southern Wind Shipyard Builds.
Southern Wind Shipyard’s most popular owner’s cabin forward layout with three comfortable guest cabins amidships and crew quarters and galley aft. The crew area is an efficient working environment for five/six and includes an en-suite Capitan’s cabin.
Southern wind has been commissioned by a performance-oriented owner who is very attentive to market trends. This first time sailing superyacht owner was looking for the latest in yachting technology.
SW105#01 features generously wide aft sections and an open transom. These ensure an ample deck area and abundant interior volumes, elements that are a real plus for any performance cruiser.
The uncluttered sightlines of this Raised Saloon blend a sleek coachroof with high ceilings and light which floods into the interior through panoramic windows and hull portlights.
Southern Wind Shipyard yachts are synonymous with contemporary Italian design and elegance. These unique and stylish attributes are combined with traditional South African craftsmanship, performance and comfort.
Southern Wind Shipyard was founded in 1991 by Italian entrepreneur Willy Persico. Located in the beautiful city of Cape Town, South Africa – known affectionately as the mother city – the shipyard specialises in high-performance composite sailing yachts from 25 to 35 metres, designed for both relaxed cruising and high-octane sailing.An history of passion
Southern Wind Shipyard (SWS) combines cutting-edge technology with five centuries of South African naval craftsmanship. High-tech and comprehensive, the shipyard is fully equipped to produce all elements of superyacht construction under one roof.
PO Box 24415 ,landsdowne 7780
SFT Energy (PTY) Ltd is an energy and resource distributor backed by reputable suppliers with superb sales and service. We commit to deliver quality products on time and build lasting relationships and to be a fuel partner of choice for all subsidiaries in Southern Africa – Growth through Technology.
We are a licenced wholesale petroleum company whom is focused on a credible customer base and a multi-faceted enterprise incorporating distribution and logistics. This bedrock on which the ethos of SFT Energy is built is based on the principle of Broad Based Black Economic Empowerment and complete customer satisfaction.
As an SMME SFT ENERGY embrace the following values:
We value our country’s main asset – Our People
We are customer orientated
We are focused on quality and safety
We value the aims and objective of our clients
We pride ourselves in being a competitive petroleum market leader
Our vision present and towards the future is to become a large and viable Broad Based Black Empowered Company providing petroleum products and energy resources to the transportation and mining industries for the entire Southern African Continent while employing skills transfer and BBBEE ethics.
In line with change and transformation, SFT Energy (PTY) Ltd, ultimately wishes to transform the company into a very successful empowerment business, so that skills and expertise is transferred to individuals who were previously disadvantaged and were not given lucrative employment opportunities.
To actively pursue the highest standards and goals in the petroleum industry while continually producing results that will always favour our customer’s aims and objectives while offering comprehensive, personalised, and costeffective services. We intend on being the service provider with committed and motivated employees providing efficient delivery methods, with the highest levels of safety and uncompromised quality as our approval.
SFT Energy (Pty) Ltd supports economic empowerment by developing and promoting government initiative programs and creating job opportunities for individuals from previously disadvantaged sectors of the community.
SFT ENERGY economic empowerment plan is based on the following deliverable:
Skills Development
Infrastructure development
Administrative Training
Economic Development
Profit Sharing
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About Plett River Lodge
Set within private tree-lined gardens with unobstructed river frontage and a lavender-filled courtyard, Plett River Lodge offers comfortable accommodation for discerning guests who want a relaxed holiday with all the creature comforts. Panoramic views of the local countryside and access to the many activities of nearby Plett and the Plettenberg Bay Game Reserve make the guesthouse a sought-after destination.
Witness an exquisite morning sunrise over the Bitou River and listen to the sound of a Fish Eagle calling in the distance. Keep your binoculars close by to identify the prolific birdlife as you savour a continental breakfast on the vast deck which extends over the river. At sunset unwind with a glass of wine on the deck or in the comfortable lounge where guests are encouraged to make themselves at home.
Tea and coffee are available all day in the guest lounge where there is also an honesty bar.
We welcome children and have provided swings and a jungle gym for them in the garden. Our friendly, experienced staff will babysit for you should you wish to enjoy an evening out on your own.
Guests of Plett River Lodge enjoy a discount at our sister establishment, Plettenberg Bay Game Reserve, for guided two-hour game drives in a game viewing vehicle and horse safaris. Just 10 minutes' drive from Plett River Lodge, Plettenberg Bay Game Reserve is one of the largest game reserves in the Western Cape with more than 35 species of game roaming freely.
Gouritsmond
Albertinia
Western Cape
6600