voice of hope magazine - august 2010

VOICE OF HOPEVOICE OF HOPEISSUE05

The Official Newsletter of Hope Restoration Ministries

AUGUST 2010

S T A N D I N G I N T H E G A P

Cover PhotoSpecial Design

GrowingSpiritually

CelebratingWoman

Know your Faith, Know your Bible

Part 2

Can you afford to send your child

to university?

Medical Negligence.

Know your rightsPart 2

New Additionto the Family

From the Editor

What’s inside

What’s on in August?06 – 08 Women’s Conference09 Woman’s Day (Public holiday)20 – 22 Encounter weekend (R400, register at info desk)27 Night Prayer (20:00 – 00:00)

Our Services

Sunday: Worship Service 08:00 10:30Monday: Men’s Prayer 18:30Wednesday: Home Cell Groups 18:30Thursday: Women’s Prayer 18:30Friday: Youth & young adults 18:00 Saturday: Intercession 07:00

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Voice Of Hope Newsletter

Editorial Team

Editor in ChiefPastor SC MathebulaAssitant EditorPastor PM MathebulaEditorBoitumelo ShilubanaLayout DesignerThabiso Albert MonareAdvertising & SalesBoitumelo Shilubana011 024 3581PublisherHope Restoration MinistriesPrintersBhubezi Printers

Church ContactsTel/Fax 011 976 0600/1www.hrm.org.za

01 Beynon Close, Cnr Zuur-

fontein & Orange River Drive,

Chloorkop

Reception: 011 976 0600/1

Email: [email protected]

Website: www.hrm.org.za

Care Pastor: [email protected]

Ops Manager: [email protected]

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Tumi

Article by Pastor Siphiwe Christopher Mathebula who is a co-founder and Senior Pastor of Hope Restoration Ministries. He is also Editor in chief of Voice of Hope Magazine


03

Thank you for all the overwhelming responses towards the

previous VOH 4. It is always a pleasure to hear from you. Please

continue to give us feedback on the magazine and what you would

love to see more of. This issue is dedicated to women with August

being Women’s month. VOH team wishes all women a happy

woman’s day on the 9th August. We spoke to 4 phenomenal

women in various industries about who they are and what they are

about. We believe their journeys will be an inspiration to you. Pas-

tor Mathebula’s article urges us to invest time in growing our spirit

man, speaking of which, we wish him a happy belated birthday that

took place on July 21st. May the Lord continue to bless you and

your family...May the grace of the Lord Jesus Christ, and the love of

God, and the fellowship of the Holy Spirit be with you all. From me

Boitumelo, till next time…

“It’s high time that we learn to grow up in Christ so that we can become profitable servants in His house”

Growing Spiritually

One of the greatest problems that the church

faces today is that there is such a huge lack

of spiritual maturity. Too many people are

immature and unable to handle the work

that God desires them to do because they

haven’t grown up in Him. It’s high time that

we learn to grow up in Christ so that we can

become profitable servants in His house.

Paul addresses the group of Christians in

Corinth, who were behaving like children in

the things of God. – 1 Corinthians 13:11,

“When I was a child, I spake as a child, I

understood as a child, I thought as a child:

but when I became a man, I put away

childish things.”

How does a child act?

• Dependant

• Irresponsible

• Sensitive

• Malicious

• Impressionable

It doesn’t take much to impress a child. You

can offer them almost anything and they

will accept it. Likewise, when we act as

children in the things of God we are unable or

unwilling to think it through and then we are

carried away like a flag

in the shifting breeze and we flap our mouths

in whatever direction the devil pushes us.

Have you ever been around people who

didn’t know what they really believed? That

is because most have never taken the time

to grow in the Word of God and to establish

their heart and mind in His Word. They are

easy targets for Satan as he spreads every

wind of doctrine. These are the immature

Christians who cannot rightly divide, or

correctly interpret God’s Word and so every

teaching they hear can easily make an im-

pression on them and they can easily be led

astray by following other immature people.

Do not be such a follower of Christ.

How will you best represent Him if you are

not growing in His knowledge? The Bible

urges us to work out our salvation with fear

and trembling. Let us invest time in the study

of God’s word, prayer and fellowship with

other mature Christians so that we grow

and begin making a difference in the king-

dom.

R150

Voice Of Hope Newsletter Voice Of Hope Newsletter

04 05

Celebrating Woman Keeping up with Woman’s month, we bring you four dynamic women who occupy not-so-common positions.

Woman in MinistryMrs SM Mathebula

What does your job entail?

I wear too many caps to work every day

which makes it sometimes difficult sometimes

to pinpoint my exact position. I manage the

finances of the ministry, oversee Human Re-

sources and manage the crèche as well. On

most days I also help with counselling.

How did you get to this position?

Well, I married a Pastor, so we are both in

full time ministry. While growing up, I never

thought that I would be in full time ministry,

I always dreamt of becoming a Medical

Doctor, but God always has his plans and

purposes.

What advice can you give those in full

time ministry as well?

Working for a ministry is different from work-

ing for a private company. Nowadays a lot of

people go into ministry with a hidden desire

to “make” money and that’s not what ministry

is all about. First your heart must be in the

right place. Ministry demands a great labour

of love and patience because it involves

people who are sometimes very difficult and

rude.

How do you go through tough times?

The Holy Spirit is a great comforter. During

my darkest hour or difficult situations, then

I draw closer to Him, He knows just what

to do, Psalms 142:3. Sometimes talking to

loved ones helps, but when no one else if

there to listen, the Holy Spirit sticks closer

than a brother.

Woman in PoliticsNtombizakhe Rubber Mcaba

Vice President – POPCRU

POPCRU stands for “Police and Prisons Civil

Rights Union”, a trade union that represents

police officers, prison warders and traffic of-

ficers. POPCRU is affiliated to COSATU. The

union ensures that the rights of the workers

are protected at their workplaces and negoti-

ates for workers benefits such as salaries

among other things.


My department is responsible for attrac-

tion and retention of new members to the

union. I also meet with Senior Management

in the various departments to ensure sound

labour relations in the workplaces. I am also

involved in the development of new policies

according to the challenges encountered at

workplaces while monitoring enforcement of

current policies.


I started off as a police officer in June 1982.

I was very much involved in the trade union

as an employee and during meetings other

employees elected me to be a shop steward.

Through serving as a shop steward, other

members identified leadership skills in me

and nominated me for higher position and so

I progressed within the movement.

What advice can you give others who

wish to follow in your footsteps?

Participate in the structures of the union in

your workplace. When you do that members

will see your potential and you will progress.

Also, it is important to study further and

develop yourself to make yourself more

marketable.

Woman in transport

Balungile Nene

Gautrain Train Driver


My job is to drive the train thus ensuring

the safety of passengers. Service delivery

to customers (i.e. Punctuality, Comfort and

information). To ensure that the delivery of

safe service is achieved under normal and

degraded situations.

How did you end up doing the job?

I love challenges and I’m an adventurous

person and since driving the train is a typi-

cally male dominated job, I wanted to prove

to myself that as a woman I can do what is

mostly believed can only be done by men.

For example my previous job was police

official which is also the kind of job mainly

associated with males.

How do you keep yourself motivated?

By not allowing negative people to pull me

down especially male colleagues when they

make nasty comments to degrade or demo-

tivate me as a woman; wanting to show that

as a woman you are incompetent. That gives

me even more drive to prove myself that I’m

good for the job and suitable for it.

Advice to young ladies wishing to follow

your footsteps

My advice to young ladies out there is that,

whenever you want to do something and you

have a passion for it, just follow your heart

and believe in yourself. Don’t allow negative

people to drag you down. There is nothing

impossible if you put your mind and your

heart to it. Don’t let anyone take that away

from you.

‘It is in your hands to make of our world a better one for all’ - Nelson Mandela

On the 18th July South Africa’s most cel-

ebrated person enjoyed his 92nd birthday.

Tata Madiba as he is affectionately known is

loved and respected by many both locally

and internationally. Mr Mandela has spent

67 years making the world a better place. He

has been making a mark on the world for 67

years, beginning in 1942 when he first started

to campaign for the human rights of every

South African. In celebration of Mandela

Day, the world was called upon to celebrate

Mandela’s birthday by offering 67 minutes of

one’s time doing some form of community

work or spend the time making a difference

in someone’s life. In line with this, The HOH

ministry visited All Starts homeless centre in

Kempton Park on Saturday, 17 July.

All Starts Homeless Centre, a non-profit

making organization depending on donations

and sponsors, is currently hosting 15 teenage

boys whose ages range from 7 – 21 who

have one thing in common and that is being

homeless. Hands of Hope Members, more

than 50 church members, seven visitors from

the United States of America and 25 students

and youth from the neighbouring areas joined

story continues on the next page

Woman in Dietetics

Lerato Radebe

Dietician


Typically there are three sectors in which

dieticians can work

• Clinical – which involves working in the

hospital/ health facility, visiting patients

and based on their diagnosis calculating

a diet for them. For example in patients

with renal failure, their bodies struggle

to process among other things sodium,

potassium, fluids and protein so based

on the patients weight and other health

conditions, the dietician must them plan

a low sodium, potassium and fluid diet.

• Community – which is based mostly

on nutrition education, when that patient

goes home he goes back to a com-

munity.

• Food Service – this involves working

in food service industries, whether in

hospitals or hotels or school hostels, to

plan menus that are nutritious and also

deal with related matters like delivering

meals or ordering utensils.

I myself though work in the training area,

where I train health professionals in nutrition

related matters.


I studied Dietetics (a four years Honours

degree at the University of Pretoria (need

maths, science to apply)) after that I did a

compulsory community service at Tambo

Memorial Hospital, at which point I was called

by the University of Pretoria who offered me a

lecturing position. And recently I was offered

the position of Chief Training Officer by the

Department Of Health.

What advice can you give others who

wish to follow in your footsteps?

Dietetics is a very interesting field, we take

for granted that we can eat anything we like,

but disease and other conditions often limit

what other people can eat. It’s very rewarding

to assist other people in these challenging

times. Because food and nutrition are part of

almost everything in life, it creates an oppor-

tunity for one to decide where and how they

would like to work.

How do you deal with difficult times?

For me I have always felt my calling from the

Lord was to help others, so often when I face

challenges I go back and consult my biggest

supervisor (The lord) on what to do. The bible

always renews my strength, passion and

patience such that I can continue.

A Godly WomanPastor SC Mathebula

In all literature, one of the greatest tributes

to women is found in the 31st chapter of

Proverbs. This beautiful acrostic Poem is

attributed to king Lemuel, and was taught

to him by his mother. I dedicate it to all the

women at HRM. Happy Woman’s Day!!!

1. A Godly woman is a woman of value

(Proverbs 31:11, 12, 15, 20 & 28)

• She is worth far more than rubies.

• She is valuable to her household

• She is also valuable to the homeless.

2. A Godly woman is a woman of virtue

(Proverbs 31:15, 15, 17, 25 & 26)

• Her virtue shows as she shuns

sinfulness

• Her virtue shows as she speaks sweetly

• Her virtue shows as she strives

steadfastly

3. A Godly woman is a woman of vision

(Proverbs 31:25 - 27)

• She has a vision of faith

• She has a vision for the future

• She has a vision for her family

It is my prayer for all women at Hope Res-

toration Ministries to develop to be women

God created you to be and that you will fulfil

your purpose in life. WOMAN, stand up and

influence your family and your community, for

you are the pillar of society.


06 07

Know your Faith, Know your BibleWhat sets us APART as born again CHRISTIANS?– A brief comparison with Islam

In the previous edition we looked at high

level differentiators between the two biggest

faith systems in the world these being Islam

and Christianity. In summary we highlighted

the few similarities that exist between the two

faiths and further suggested that the

acknowledgement of Jesus Christ as the

Son of God and Saviour of the world from its

sins as the key point of departure. Further-

more, we suggested that there is a general

appreciation of peace in human relations

meanwhile there is an explicit motivation of

violence within the Islam faith. Let us delve

further into the other aspects that differentiate

these two faith systems.

In as far as the Islam faith refers to

marriage and the treatment of woman, there

is permission for a man to marry up to 4

wives if the man so desires (Sura 4:3), the

man is also permitted to beat up his diso-

bedient wife (Sura 4: 34 and Bukhari (8:68).

There is record in the Sahih Muslim Hadith

number 2127 of Muhammad himself beating

his wife (note, the Arabic name for beat is the

same word for how you’d treat a camel or

slave). It is further important to state that

Mohammad himself had 13 wives, 2

concubines and four women of uncertain

relationship. One of his wives was only 9

years old when he consummated his

marriage with her. It is also of interest that

records show that Mohammed also married

his daughter in law Zainab (Bukhari 9: 516-

518) after he arranged for this adopted son

Zaid to divorce her Sura 33 gives account of

how Mohammed declared that there was no

evil in a man marrying his daughter-in-law as

was revealed to him by Allah.

The above account is a far out cry from the

behaviour and precepts as taught by Jesus

Christ (a man considered less by Muslims

compared to Mohammed)-

- in as far as it related to how women should

be treated, the bible acknowledges that

women are a weaker vessels that needs to

be treated with respect, furthermore men are

advised to love their wives however it is clear

in the bible that things such as polygamy are

not of God (Mark 10:5-12) and not permitted

by Jesus Christ. It is also fair to state that

the bible does also elevate a man to a higher

position as the head of the family as Christ is

a head of the Church, however there is

condoning of practices that oppress women.

The Qur’an and Hadiths teach that it is

morally correct to force women to have sex

with their captors (Sura 70:29-30; Bukhari 3),

interestingly Islam teaches that the

majority of people in hell are women as

revealed to the Prophet Mohammed (Bukhari

1:28; 1:3012:161). Christianity through Christ

himself raises women as important and equal

heirs in the kingdom of heaven.

Let us briefly look at how these two faith

systems view the nature of God.

Christianity views God as Godhead revealed

in three persons God the Father, the Son and

Holy Spirit whilst Islam deny this blasphemy

(Sura 4:171; 5:17; 5:72-75), in Islam

accepting the Christian view of the nature

of God is the only unpardonable sin and

condemns one to hell. While Islam has a high

regard of Jesus as a prophet, it denies him as

a Son of God (Sura 9:30; 10:68; etc).

Another aspect relating the nature of God as

seen by these two faith systems relates to

the fact that the God of the bible is HOLY –

that is perfect in all aspects (Hebrews7:26)

whilst the God of the Qur’an does not always

come across as holy, he changes his mind,

changes his promises and does not offer

assurance of salvation. Allah is arbitrary

(Suras 4: 116; 5:18; 9:15), also Allah

deceives people (Bukhari 8:577; 9:532).

Compare this to the God of the bible with

whom it is

- in on the outreach. The house was found

to be in a very dilapidated state and not fit for

human dwelling. After a touching worship

service and prayer, the team immediately got

to work as they cleaned up, helped prepared

a vegetable garden, fix broken taps, windows

and doors and giving the house a fresh new

coat of paint. Among other others the follow-

ing items were donated; a television set, 33

blankets, 15 pairs of brand new shoes, winter

clothing, 10 doors, carpets and curtains.

Being a ministry that has its heart entrenched

in restoring hope to the world, mentors will

be identified to mentor these youths on an

ongoing basis to help them develop a sense

of identity and belonging. Transport has

also been arranged for these teenagers to

be picked up from the shelter and dropped

at church every Sunday for a service. The

outreach was very emotional for all who were

involved and HOH will continue its support

towards the shelter on a periodic basis.

-primarily implies my ‘right’ to consider what

makes me happy. I cherish that right and I

want to exercise it and if possible

to the fullest.

Here’s something to ponder on; ‘only a

dead fish goes with the flow’

Much as it’s within my Biblical right to consid-

er what makes me happy, that consideration

is not without perspective and such should

be a beneficial one. What benefit will this be

to me? I need to sincerely ask myself. Mean-

ing, ‘does this characterize a life of honor

worth emulating? Does investing and acting

on my consideration (of what makes me

happy) reciprocate good, improved character

and sound reputation?

So, for purposes of getting a greater

understanding of clubbing, I visited a club

in Sunnyside, Pretoria. I observed in interet

as young ladies and young men, some too

young in my opinion, some dressed in next to

nothing, drank and danced, “having fun.” Yet

something didn’t settle about this fun in my

spirit. I sensed an overwhelming atmosphere

of lust and debauchery, and realised that

though clubbing may not be wrong in itself,

one exposes themselves to so many spirits

operating in such environments.

Lastly, it is not only about what makes me

happy (permissibility) and desirable harvest

(beneficial) but how does it link to my assign-

ment and purpose (constructive)? I live not

only on the basis of what makes me happy

but I understand that true happiness is found

in my pursuit of my God ordained assign-

ment and purpose. These (assignment and

purpose) are my blue print and define who

I am. Therefore, there are places I choose

not to be in primarily not because it’s wrong

of me to go there but because it does not

enhance and harness who I am. I will enjoy

life and have fun; fun that will not tarnish my

relationship with the Lord and compromise

my assignment and purpose.

In a world categorized by instant

gratification and sensual indulgence it’s highly

likely for one to give in and conform to these

attractions. The luring to go with the flow

is at times difficult to resist such that many

a Christian youth are faced with important

choices and decisions to make in view of the

showbiz. The appeals of leisure in any form

or shape are on the rapid increase. Come

weekends and holiday seasons people go

‘clubbing’ kuzekuse (from sunset to sunrise).

Poor, helpless parents and guardians only

hope and pray for safe home return. Being

a Christian youth in a world fashioned after

this mannerism can be challenging. I have

often eavesdropped youth in conversation

with each other and was intrigued by their

assertions about the entertainment industry

in relation to them as Christians who have to

live by Christian values.

“No, hang on, Jesus came that I may

have and enjoy life…”

(John 10:10) argued one youth

“Yeah, after all we are no longer under

the law” (Gal. 3:25) reckoned another

“Guys I disagree because what

fellowship can light have with

darkness?” (2 Corinthians 6:14) another

vehemently objected;

It’s in view of such that we need to apply our

minds to words that will aid us in making

informed choices and decisions in how to

live circumspectly. In the above Scripture

passage the Apostle Paul is chatting around

Christian freedom and the perspective

thereof. Freedom comes with responsibility

to live a disciplined life in choices and

decisions one makes. A general human

tendency is to be careless and irresponsible

in the exercise of freedom such that freedom

enslaves than empowers one to act

responsibly. The permissibility of everything

impossible to lie (Hebrews 6:18) or to treat

people unfairly, God of the arbitrary but rather

perfect in his justice.

Muslims today say that Allah is merely an

Arabic name for God, while this is true is not

the whole story. There is substantial evidence

that Allah has roots in the pre-Islamic

paganism. At the time of Muhammad there

were 360 idols that were being worshipped in

Mecca with the supreme god of the Quraish

tribe (Muhammed’s tribe) called Allah. Finally,

Islam holds a very strange view of heaven,

as the faith believes that paradise is carnal

and very sensual, whilst alcohol is prohibited

here on earth by the Islam faith, it is the order

of the day in heaven. Men will be rewarded

with dozens of virgins devoted to sensual

enjoyment (it is not clear what women get in

heaven) see Suras 2:25; 4:47; 13:3536:55-

57, etc. The above is not appreciated by

Christians as this faith system believes that

heaven is unmarred by carnal systems, in

fact the bible teaches that the kingdom of

God is not about eating or drinking (Romans

14:17), in heaven people will not be married

but will be like angels (Matt 22:30) heaven is

a place of perfect joy for men, women and

children equally.

In conclusion it is clear that Islam and

Christianity are not professing the same God,

as it is advocated by the treatment of women

and views of God and the matters relating to

heaven. We are indeed honoured to be called

children of the highest God – Yaweh! Join us

in the next edition as we look at the

differences between African faiths and

Christianity. The author can be contacted at

[email protected] for further

clarity on issues contained herein.

Johnson Makhubu is a zonal pastor responsible for the Birch Acres area and enjoys spending time in the study of various faiths including their fundamental writings.

Pursuing the beneficial and constructive Boitumelo Shilubana (VOH Editor)

‘Everything is permissible”- but not everything is beneficial. “Everything is permissible”- but not everything is constructive.’ 1 Corinthians 10:23

A look atNight Clubs

“At the time of Muhammad there were 360 idols that were being wor-shipped in Mecca”

PART 2


08 09

Medical Negligence 10 LIES PEOPLE BELIEVE ABOUT MONEY

Know your rights!

Article written by G Phungula, Associate Pastor at HRM, Practicing Attorney and conveyancer and founding member of lawyers voice. www.lawyersvoice.co.za

How does a patient prove medical

negligence?

The only legal way to establish that medical

negligence has occurred is to hire an expert

medical witness, usually a medical doctor

operating in a similar capacity as the one

allegedly negligent, to examine the case and

make an expert opinion.

What amounts to damages or compen-

sable injury?

A person’s damages may include compensa-

tory and punitive damages. Compensatory

damages are both economic and non-eco-

nomic. Economic damages include financial

losses such as lost wages (sometimes called

lost earning capacity), medical expenses

and life care expenses. These damages

may be assessed for past and future losses.

Non-economic damages are assessed for

the injury itself: physical and psychological

harm, the reduced enjoyment of life due to a

disability or loss of a loved one, severe pain

and emotional distress.

Punitive damages are only awarded in the

event of wanton and reckless conduct by a

doctor.

Can patients contribute to medical

negligence?

When accidents happen, one of the first

questions people typically ask is “who was at

fault in the accident?” or “who was the cause

of the accident?” The concept of contribu-

tory negligence addresses this question and

provides a way to allocate fault between

parties when the answer to this question is

not entirely clear.

What is contributory negligence?

The term “contributory negligence” is used to

describe the actions of an injured person that

may have also caused or contributed to his

injury. For example, if you were hit by a car

while crossing the street, but you jumped into

the street without looking first then your care-

lessness will be taken into consideration and

any compensation money that you receive

may be discounted based on the degree of

your own carelessness.

The relevant example in the medical negli-

gence case would be where for example, if

a patient is admitted to the emergency room

for treatment and they fail to inform the physi-

cian that they are allergic to a medication or

tell them about a pre-existing condition, they

may be guilty of contributing to the negative

outcome of the treatment they received. If

you are found to have contributed to your

own injury, the judge or magistrate will

consider the degree of fault of each party in

determining whether an award is justified in

the case and what amount the award will be.

Contributory negligence applies solely to the

conduct of the injured person. It means that

there has been some act or omission on

the injured person’s part which has materi-

ally contributed to the injuries sustained and

is of such nature that it may properly be

described as negligence. This means that the

injured person was partially to blame for the

accident.

Therefore in cases of medical negligence by

doctors, contributory negligence is primarily

relevant in limiting the extent of the medical

practitioner’s liability and is thus of consider-

able importance in law. It is regulated by the

apportionment of damages act 34 of

1956. Section 1 (1) a) of the

apportionment of damages act 34 of

1956 stipulates that “where any person suf-

fers damage which is caused partly by his

own fault and partly by the fault of any other

person, a claim in respect of that damage

shall not be refused by the reason of the fault

of the claimant but the damages recoverable

in respect thereof shall be reduced by the

court to such extent as court may deem just

and equitable, having regard to the degree in

which the claimant was at fault in relation to

the damage”

Prosperity is simply having enough of God’s

provision to complete his instruction for your

life. One of the tools satan uses to destroy

incentive, goals and joy of accomplishment is

financial difficulty. Success or failure depends

on your believing a lie or the truth. In mar-

riage, in health, in spiritual matters and even

in finances, what you believe makes all the

difference. Thousands live unfulfilled and frus-

trated lives because they do not understand

the truth about money.

1. Money is unimportant.

2. Money is evil.

3. Money never hurt anyone.

4. Money will cure your problems and

guarantee personal happiness.

5. Some Are Gifted For Wealth And Some

Are Destined For Poverty.

6. God does not want you to be financially

prosperous.

7. There Is Nothing You Can Do About

Your Financial Situation.

8. Regularity Of Giving And Amount Of

Your Seed Does Not Really Matter To

God.

9. Money Is An Unspiritual Subject And

Not To Be Discussed In Church.

10. It Is Selfish And Wrong To Give Expect-

ing To Receive More In Return.

A full article of this teaching can be down-

loaded from our website, www.hrm.org.za

Mike Murdock

Dr Mike Murdock is a noted author of 250 books including the best sellers, Wisdom for winning,

Dream-Seeds, and Secrets of the richest man who ever lived. He is also the founder and Senior Pastor

of “The Wisdom Centre”, a Church with interna-tional ministry around the world.

With Fundisa unit trust, everyone should now be able to send their child to university. Fundisa

is the initiative between the Department of Education and the unit trust industry to help par-

ents save for the higher education of their children. R34 million bonuses have been set aside

to reward parents who save for the education of their children. The Fundisa fund was set up in

November 2007. In 2008 the Fundisa Fund paid out up to R390, 000 in annual bonus payouts.

The bonus increased to R1.2million in 2009. The bonuses are paid in October each year.

If you save R200 a month for 12 months, you would have saved R2 400 by the end of the year

and the fund gives you a bonus of R600 each year. So your savings instantly grow by R600 from

R2 400 to R3000 before market related returns. R600 is the maximum bonus that you can get

each year. You can save from as little as R40 a month. If you save only R100 a month, you would

get a bonus of R300 at the end of the 12 month saving period. There are no penalties if you fail

to make the the monthly premium.

Fundisa is a domestic income fund that invests mainly in fixed interest instruments as well as

longer-term instruments such as bonds. For the year ended October 2009, the fund earned a

return of 9.5%. According to Janete Nel of the Association for Savings and Investments SA, this

translates to a total return for the year of 34.5% on an investment of R2 400. Only the first R2

400 invested each year qualifies for the bonus.

You can open a Fundisa account for your nieces or nephews and even your house helper’s child.

If the child does not study at a university, you can switch the benefit to another child. The learner

must be under 35 years of age to use the funds.

The annual fee is 1.25% and it is cheaper for you to go direct than to use an independent

financial adviser. You can invest directly with Standard bank, ABSA or Nedbank or you can call

Fundisa Fund on 0860 386 3472. Make sure you don’t miss out on the opportunity to make

your child’s dreams a reality. Get Fundisa now. Source www.fundisa.org.za.

The method of determining who should

bear which portion of the damage involves

a comparison of the respective degrees

of negligence of the parties involved i.e.

physician and patient. Each party’s degree

of negligence is determined by expressing

its deviation from the standard of the

reasonable person as a percentage, the

two percentages are then compared in order

to allocate responsibility in respect of the

damage in question.

What does the term “reasonable person”

mean?

This term means a person has acted neg-

ligently if he or she has departed from the

conduct expected of a reasonably prudent

person acting under the same or similar

circumstances.

The duty of proving contributory

negligence

Where the physician in a case of professional

medical negligence raises the defence of

contributory negligence on the part of the

patient, he has to prove such a defence on a

balance of probabilities.

Article written by Phumelele Ndumo – Vilakazi; author of the book, 7 Secrets why the rich own their homes and founding MD of ThuthukaSA. Remember to visit our

website www.thuthuka-sa.co.za for more money tips.

Can you afford to send your child to university?

PART 2


10

Akani is a TV programme that tackles the challenges that students face at University. We explore the cause of the challenges and seek help for those students who are willing to share their stories on television to help others.

Akani seeks to solve the huge problem of university drop-outs. Don't miss it on SABC2 at 11am, Thursdays!

011 452 2429 • 083 988 7881 • [email protected]

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@11h00am

on SABC

2

from 5th

August

2010Akani is produced byAkani is produced by

Watch Akani every

Thursday for

26 weeks

Mr. Peter Segale, a soft spoken man is no

stranger to Hope Restoration Ministries. He

has been a member of HRM for seven years

and has served in the executive board for

three years. Mr. Segale has also served as

an Elder in the ministry for a few years. He

is also a Zonal Pastor for the region Norkem

Park. Effective 1st July 2010; he has become

part of HRM Corporate in the capacity of

Operations Manager and brings with him

a wealth of knowledge and experience on

management acquired over the years from

various workplaces.

Mr. Segale will be looking after the operation-

al running of the ministry including, building

maintenance, some level of Human Re-

sources, security and suppliers relationships.

Ensuring that the ministry runs smoothly and

eases the burden from the Senior Pastors will

be his primary concern. He is married for 14

years to Nancy Segale and they are blessed

with two beautiful daughters. In his spare

time Ntate Segale (as he is affectionately

known) enjoys watching soccer both at the

stadium and at home. Senior Pastors SC

and PM Mathebula, HRM Corporate, VOH

and the whole HRM community welcome you

to the family and wish you a time of learning

and growth.

So many times as women we expect too

much from ourselves and our husbands,

some of which only God can give. This can

bring up in so much frustration and bitterness

because of a lack of understanding. Some-

times we look for certain things from God

that He has already given unto us. This book

will help women to understand their God, the

men in their lives and themselves better. A

must have for all women. Available at most

credible book shops.

THE LADY, HER LOVER AND HER LORD BY- Bishop TD Jakes.

“The Youth Choir who performed at the Youth Conference”

Hope Restoration NewsThe month that was…

BirthdayHappy belated birthday to our Senior Pastor SC Mathebula who celebrated his

birthday on Wednesday, 21 July. May the grace of Christ Jesus continue to

become your strength. We continually pray for you, your family and the ministry.

Many more years of health to you!!! We love you…

Code of ConductOn Saturday, 10 July, a leadership breakfast was held to introduce the new HRM

Code Of Conduct. Leaders in respective departments / ministries were taken

through the code and signed to agree that they will abide by it. Leaders who have

not yet signed the code should call Mr. Segale on 011 976 0600 or email him on

[email protected].

Hands of Hope gets a faceliftHands of Hope as we know it will no longer be known as such. The new name

and look “HANDS OF RESTORATION” will be unveiled soon. Hands of Restora-

tion (HOR) is now the new name of the ministry previously known as Hands of

Hope. Hands Of Restoration is now an officially registered NPO and will be able

to cater for a wide range of services. People from the church and general public

will also be able to donate directly into this organization’s account so that this

ministry can make a stronger impact in the community and the church. More on

this in the next issue of VOH.

Youth ConferenceWell done to the Youth for hosting such a successful youth conference. You are a

generation that will make a difference for Jesus – YEYE!!

New addition to the family

BOOK REVIEW

voice of hope magazine - august 2010

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