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Why Your Answer Must Be Us

The first question all our prospective clients ask us is, “YAMBU? What does that mean?” And we at YAMBU are very proud to say it means YOUR ANSWER MUST BE US! Read on to find out why…… ABOUT YAMBU The heart of our business is giving all South Africans full access to quality insurance products […]

What you need to know about retrenchment

WHAT YOU NEED TO KNOW ABOUT RETRENCHMENT Retrenchment is a form of dismissal due to no fault of the employee, it is a process where the employer reviews its business needs in order to increase profit or limit losses, which lead to reducing its employees. This is commonly known as dismissal due to operational reasons […]

Road Accident Fund Claims – Unmarried Couples

Landmark Judgment on Road Accident Fund Claims for Unmarried Couples Couples who are not married but who are living together are afforded some retribution in the form of a recent Gauteng High Court Judgment delivered by Judge Colleen Collis on 23 November 2018. The Judge ordered that Brenda Jacobs, the partner of the deceased who […]

Accident in the workplace! What now???

Accident in the workplace! What now??? It is a fact that accidents can occur anytime and anywhere. Even if you do not work in a high-risk industrial environment. Therefore, that begs the question are you prepared to cover the cost of an accident in the workplace? One tragic accident in the workplace can leave an […]

Not satisfied with your tax assessment

Tax assessment making you frustrated? What do you do if you are not satisfied with your tax assessment? There are rules that must be followed when lodging a tax dispute with SARS (South African Revenue Services). These rules have been issued in terms of section 103 of the Tax Administration Act, 2011. The rules applied […]

Recognition of Muslim Marriages in South Africa

Recognition of Muslim Marriages in South Africa Muslim women in South Africa who are married only in accordance with Islamic law, are now afforded some retribution in the form of a recent Western Cape High Court judgment (“the Court”), where the Women’s Legal Center (“WLC”) launched an application for the recognition of Muslim marriages in […]

Legal use and cultivation of cannabis in a private capacity

The use and cultivation of cannabis is now legal for private use, Constitutional Court Rules The Constitutional Court (“the Court”), in a landmark ruling on, 18 September 2018, upheld the Western Cape High Court judgment (“High Court”) and decriminalized both the use and cultivation of cannabis in a private capacity. In addition to this, the […]

Constitutional Court Judgment on Labour Broking

  Constitutional Court Judgment on Labour Broking in South Africa The Constitutional Court of South Africa (“the Court”), on 26 July 2018, handed down judgment in a case concerning the correct interpretation of Section 198A(3)(b) (“the section”) of the Labour Relations Act 66 of 1995 (“the Act”), a seemingly rather controversial section of the Act […]

CONSUMER PROTECTION ACT AND RESIDENTIAL LEASES

The Consumer Protection Act and Residential Leases To learn more about the consumer protection act and residential leases, one has to refer to The Consumer Protection Act, No 68 of 2008 (CPA) which applies to the supply of goods and services within South Africa, and this Act expressly defines residential accommodation as a service. This […]

CAN I DISCHARGE A FIREARM IN A PUBLIC PLACE?

  To discharge a firearm in a public place, as anticipated, carries with it many concerns, so in order to circumvent the dangers associated with it, stringent regulations are in place. In South Africa, the Firearms Control Act 60 of 2000 governs the control of firearms , which imposes strict procedural and substantive requirements on […]

CYBER-CRIME! I HAVE BEEN SCAMMED

Cyber-crime:  Some time ago, the author of this article was scammed. Apart from my ego taking a knock (how can that happen to me), my bank account drew some punches as well.  What happened?, I hear your ask. I got gifted a brand-new iPad.  As I already had a tablet, I decided to sell the […]

DEBT REVIEW – NATIONAL CREDIT ACT 34 OF 2005

THE DEBT REVIEW PROCESS IN TERMS OF THE NATIONAL CREDIT ACT 34 OF 2005 DEBT REVIEW – INTRODUCTION Debt review, otherwise known as debt counselling, is a debt solution targeted at South African consumers who are over indebted and struggling to manage their finances. The debt review process, which was introduced by the National Credit […]

SELF-DEFENCE – WHEN MAY I USE FORCE?

Self-Defence – To shoot or not to shoot…. That is a very complicated question.  Many South Africans are confused regarding their rights to self-defense.  Before we try to answer this question, let us look at some statistics. According to the 2017 Global Peace Index, South Africa is placed at 123 out of 163 countries on […]

COIDA – ARE YOU COMPLIANT WITH THE LAW?

COIDA – Health and Safety is a crucial part of any business.  No matter what type of business you are operating, the reality is that people can get injured while at work.  An office worker can trip and fall down the stairs, a factory worker can lose a leg while operating a machine.  A driver […]

The PIE Act – Eviction of unlawful occupants

Having a slice of PIE (Act) – Eviction of unlawful occupants It is now the third month in a row the tenant has failed to pay his rental, and it does not look like this tenant will ever be in a position to make up the outstanding rent. Can you quickly evict the tenant and […]

YOUNG ADULTS AND INSURANCE – NOT ONLY FOR OLD PEOPLE

IS INSURANCE ONLY FOR ‘OLD’ PEOPLE? Young adults and insurance – “It never really crossed my mind,” 23-year-old Julie Kronick said about life insurance when she got her first job out of college at a non-profit in New York.  They don’t offer insurance, it didn’t come up and I didn’t particularly care,” Kronick said. This […]

SALARY OR WAGE – THE RIGHTS OF THE EMPLOYEE

WHAT IS A SALARY OR WAGE? Salary or Wage – A salary is a fixed regular payment, typically paid on a monthly basis made by an employer to an employee. A wage, on the other hand, is money that is paid or received for work or services calculated by the hour, day, or week. According […]

Damage or loss caused by domestic employee

Damage or loss – We love our domestic workers and gardeners. They look after and assist us with the things close to our hearts. We trust them with people and the items dearest to us. However, things happen and at times they cause damage or loss.  Mostly it does not happen that often, I mean, […]

AWOL – MY DOMESTIC WORKER IS CONSTANTLY ABSENT

AWOL – Those of us privileged enough to have a domestic worker will know, they become part of the family and they keep things in shape while we are at work.  Luckily the law has been amended to include domestic workers, even though it is far from perfect and needs more amendments to ensure domestic […]

VOETSTOOTS CLAUSE IN A SALE AGREEMENT

What is a voetstoots clause? A voetstoots clause is a standard clause, usually found in agreements of sale, in respect of the purchase of property. It is a clause which states that the purchaser is purchasing the property in the condition in which it is found or viewed, in other words with defects and all. […]

Important Announcement regarding Yambu Legal Protection Premium Increase!

Due to the statutory VAT increase effective 01/04/2018 and increases in the fees we pay our service providers, your Yambu Legal policy premium will increase to R149 per month. To continue our approach to offer value for benefits, this increase will only commence on 01/05/2018. For any queries you may have please contact the Yambu […]

CONVEYANCING – WHAT DOES IT COST?

Conveyancing and Bond Registration – Property is seen as an investment.  That is immovable property, like a house, or a piece of land.  First time home buyers need to get into the market and are often unaware of the hidden costs of buying property. SHOPPING AROUND FOR A HOME You have saved up for a […]

TRIBUNALS IN SOUTH AFRICA

Tribunals – A tribunal is defined as a court of justice or a body established to settle certain types of disputes. When someone hears the word tribunal or tribunals one may automatically think of the courts that we have in South Africa. However, there are other smaller courts that settle certain specific types of disputes […]

HELP! – I’M EXPERIENCING DISCRIMINATION

Given our history, the word ‘discrimination’ features highly in the vocabulary of many South Africans. While some have experienced it more than others, the reality is that despite our progressive constitution, discrimination still manages to rear its ugly head from time to time, especially in the workplace. WHAT EXACTLY IS DISCRIMINATION? Discrimination is the unjust […]

CONSUMER PROTECTION IN SOUTH AFRICA

Consumer Protection – We have all been there.  Saw the ‘professional quality’ power tool at a very reasonable price, bought it, used it for a few hours, only for it to break down.  I have personal experience in buying an item from a large Cell Phone Operator, the item did not work as advertised, and […]

ATTORNEY – HOW DO I AFFORD ONE?

Hiring an attorney is expensive. The perception is that only the rich can afford one when the proverbial pumpkin hits the fan.  We see so many movies where the character ‘lawyers up’, and we wonder, how on earth do they afford that?  Do they have legal insurance? If so, how does it work? WHY WILL […]

CAR INSURANCE AND ACCIDENTS – THE IN’S AND OUT’S

We all watch too many American movies where the cop pulls over a driver and demands:  “licence and registration please’.  While we in good old SA must be licensed to drive a vehicle, car insurance is not a legal requirement in this country – yet. CAR INSURANCE – WHEN MUST I INSURE MY VEHICLE? The […]

BULLYING – HOW IS YOUR CHILD AFFECTED?

‘My child is being bullied and the school does nothing about it’.  A phrase often heard in casual conversation.  Is this a perception or a reality?  Let us start by finding a definition for bullying. The Oxford English Dictionary describes a “bully” as “a person who deliberately intimidates or persecutes those who are weaker”.  Poor […]

SCHOOL FEES AND WITHHOLDING REPORT CARDS

OUTSTANDING SCHOOL FEES – MAY THE SCHOOL WITHHOLD YOUR CHILD’S REPORT CARD? It’s tough out there.  Husband lost his job, landlord put up the rent, and the family budget is in tatters.  Things are not looking good, even the school fees are behind in payment.  The only child is expected to do well in her […]

MINIMUM WAGE – FOR DOMESTIC WORKERS IN 2018

MINIMUM WAGE  – ANNUAL AMENDMENT TO THE SECTORIAL DETERMINATION 7 – DOMESTIC WORKER WAGES Apart from the obligation to have a proper contract in place, the Sectorial Determination 7 is amended each year to announce the new minimum wage that must be paid to domestic workers in South Africa.  The Sectorial Determination referring to domestic […]

Employment Contract – is your domestic worker lawfully employed?

HOW DOES APPLICABLE LEGISLATION AFFECT ME AS A DOMESTIC EMPLOYER? Many people employ a domestic worker and / or gardener, some even without an employment contract.  They work for them for a long time and even become part of the ‘family’ at times. Then, on top of it, they make use of small contractors to […]

Ombudsman in South Africa – Know more about them

Ombudsman – What is it? An Ombudsman is an official appointed to investigate individual’s complaints against a company or an organization, especially a public authority. Their role is to facilitate informal conflict resolution by providing advice, suasion, mediation, to follow up with actions and referrals. They also act as agents for change of systemic issues […]

CONSUMER PROTECTION ACT OF SOUTH AFRICA

CONSUMER PROTECTION ACT 68 OF 2008 The Consumer Protection Act 68 of 2008 aims to provide protection to consumers in terms of goods or services that are delivered or rendered by a provider during the course of business. Who is a “Consumer?” A consumer, as defined by the ACT is a person to whom goods […]

ROAD ACCIDENT FUND – WHO CAN CLAIM?

The Road Accident Fund (RAF) in South Africa exists to provide financial compensation to South Africans who have been injured in vehicle accidents on public roads. The RAF is primarily funded by a fuel levy. ROAD ACCIDENT FUND – WHO MAY CLAIM? In broad terms, if you are involved in a road accident and require […]

THE SOUTH AFRICAN ID BOOK CONUNDRUM

The old South African ID Book…. Is it dead?  The South African Department of Home Affairs has started a process of replacing the old Green ID Book with a Smart ID Card.  This is quite a good idea in a country where corruption and ID theft are a reality. Unlike the ID Book, which can […]

Restraint of Trade – protecting a Company’s Trade Secrets

What is Restraint of Trade Contractual agreements that contain a restraint of trade has been a practice that seeks to protect employers against employees who would take up new employment with companies and are likely to divulge their trade secrets.  The principle behind “restraint of trade” is the protection of a company’s trade secrets, trade […]

What you need to know about Conveyancing

What you need to know about Conveyancing: Conveyancing is the transfer of a legal title of real property from one person, company, close corporation, or a trust to the registered new legal owner of an immovable property and includes the registration of a mortgage bond. The Yambu Legal Protection policy will cover the payment of […]

Child Support – how does it work in foreign countries?

IS THE FATHER OR MOTHER OF YOUR CHILD/CHILDREN LIVING IN A FOREIGN COUNTRY?   HOW DO YOU ENSURE YOU GET CHILD SUPPORT FROM THEM? Child Support – South Africa has Reciprocal Enforcement Maintenance agreements with many foreign countries.  Those countries currently include: Australia Botswana Cananda Cocoa Islands Cyprus Fiji Germany Hong Kong Isle of Jersey Isle […]

Bail Application – important things to know

BAIL APPLICATION OF THE ACCUSED IN COURT Section 60 (1) (a) of the Criminal Procedure Act provides that an accused who is in custody in respect of an offence shall be entitled submit a bail application to be released on bail at any stage preceding his or her conviction in respect of such offence if […]

Mandela Day – our 67 minutes for this great legend

 MANDELA Day 2017   Mandela Day. The true spirit of Mandela day was alive and well among our staff this year! The team at Yambu who we affectionately refer to as the Yambu family have a true spirit of giving back. They take part in the Santa Shoebox initiative every year, taking of their own […]

The Law and Automatic Termination Clauses in South Africa

Automatic Termination Clauses in South African Law are not always clear cut. If you apply for a job and do not disclose any criminal charges that have been brought against you, or in fact any criminal record that you may have, which the company uncovers during a routine background screening, can they automatically terminate your […]

Domestic Violence is Always Unacceptable

What is Domestic Violence?             According to the Domestic Violence Act No. 116 of 1998, domestic violence is: Any form of abuse which includes physical, sexual, emotional, psychological or economic harassment Damage to property Stalking Entry into a person’s property without their consent Any other abusive or controlling behaviour where […]

947 Radio Ad

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Winter Hamper Winner

Congratulations to Chaunice Natia Kock, who won the competition and received her hamper!

Legal Capacity – Do you know what what the law says about this?

DID YOU KNOW – LEGAL CAPACITY In terms of the South African law, legal capacity is determined by looking at two components, which are Age and Status of the individual. 1. Age: the age component is determined by law, which would confer certain rights and obligations on individuals. Full legal capacity in South Africa is […]

Domestic Worker – focus on safety in the workplace

Your domestic worker need Yambu Domestic Care… As a responsible employer, you have the best interests of your domestic worker at heart.  The gardener, childminder or domestic staff come to work, just like the employer him or herself goes to their place of work.  At the employer’s ‘formal’ workplace it is expected that all safety […]

Roadblocks in SA -Know your rights

 Roadblocks Know your rights As inconvenient as they may seem, roadblocks exist to ensure the safety and well-being of all road users, especially during peak traffic hours, holiday periods and over weekends. Knowing your rights as a road user as well as the best approach to dealing with the situation is critical in SA. Read more Here. […]

Know your rights as a rape victim

RAPE AS DEFINED BY THE ACT In terms of Section 3 of the Sexual Offences and Related Matters Act. A person is guilty of the offence of rape if he or she has unlawfully and intentionally commits an act of sexual penetration with a complainant, without the consent of the complainant.   SEXUAL ACTS WITH […]

Safety tips that all domestic workers should Know

You need Yambu Domestic Care The sad truth is that many domestic workers spend more time with other people’s families than they do with their own. What’s worse is that even though they work very hard, they have little to leave their dependents if they pass away, and have nothing to fall back on if […]

You and Your Domestic Worker

Domestic work within our households continues to be undervalued and is invisible, yet in reality, it forms the backbone of our daily lives. Our trusted domestics, be it a person working in a private home, a gardener or a caretaker of children, the aged, disabled or frail members of our families eases our burden to […]

Don’t wait to report sexual assault on children

Why child sexual assault is under-reported  Children who have been sexually assaulted go through shame and fear of retaliation.  Where the assault has been perpetrated by a family member, loyalty conflicts between the child and the perpetrator are more often than not the largest reason for non-reporting. A very small percentage of incest victims reveal […]

Parental Rights and Custody of a Minor Child

  A child in terms of the Children’s’ Act 38 of 2005, is a person under the age of 18 years The Act envisages that when a decision is made regarding any issue that would affect the child, it is important to take into account the principle of “in the best interest of the child”. […]

Same Sex Marriages and the Law in South Africa

  Same sex marriages also known as gay marriage or Civil Unions became legal in South Africa on 30 November 2006 when the Civil Union Bill was enacted after having been passed by the South African Parliament earlier that month. South Africa granted unregistered cohabitation in 1999.     What does the Civil Union Act […]

Customary Marriages in SA – governing Laws

  Through the recognition of Customary Marriages Act, South Africans in customary or traditional marriages were finally given the same protections as those enjoyed by people in civil marriages. This Act came into effect in November 2000.     Read more:  The Act recognises all customary marriages that were concluded before the year 2000 and […]

Marriage Out of Community of Property and the Law

  In a Marriage Out of Community of Property, there is no joining of the separate spousal estates.  Each spouse has his or her own separate assets, liabilities, debts  and each administer their own estate and have full control over their own property. This form of marriage is achieved by drawing up a antenuptial contract.   […]

Child maintenance and what you need to know

Child Maintenance and the Common Law of Duty    Child Maintenance, or Duty of Care, is a legal obligation to provide support to a child.  This duty is a reciprocal duty that has to be offered to the child by both parents jointly, irrespective of whether the child was born in or out  of  wedlock […]

Marriage In Community of Property and the Law

South African law provides for two different types of marriages; marriage in community of property and marriage out of community of property (with or without the Accrual System).  If you have become engaged and are wrapped up in the euphoria of planning the wedding, take a while to consider which system of marriage will be […]

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New Property Practitioners Bill to be Gazetted

Cabinet has announced that the new Property Practitioners Bill is to be gazetted for public comment within the next few weeks. The Bill if successful will repeal the current Estate Agency Affairs Act, which is more than 40 years old.  The bill is in response to the changing market conditions and dynamics, in order to […]

Winner of R10K Competition 2017

Winner: Rebecca Letlhake Employer: Margie Knap Nestled in the leafy suburb of Berario, we discovered a real life “Madam and Eve” story. Four years ago, Margie Knap a wife, mother and full time business women with two adult children at home, Michael and Morgan, needed some help in the kitchen, to ensure there were wholesome meals […]

Not having Disability Cover Could Result in Financial Ruin

When you are young and carefree, the last thing you think about is taking out a policy for the possibility that you may be disabled in some way, If you were working for a big corporate, you would have group cover. BUT, for someone who works for themselves, runs a small business, is a domestic […]

Drunk Driving and the Law in South Africa

Drunk Driving….. the narrative: Michelle:  “Babe, I think I should drive home”. David:  “I have been doing this for years”. Michelle:  “Yes I understand, but you have had more than the legal limit, maybe you should give me your keys”. David: “No man, do you think I am an idiot, I can drive”. Michelle:  “I […]

R500 Fuel Voucher – 18 February 2017

Christmas spending left you flat? Let Yambu fill up your petrol tank with a R500 fuel voucher. Like and share our page using #YambuCares and leave your email address in the comments so we can let you know if you won this months prize! Winner announced at end of January!

Can I or can’t I Change my Matrimonial Contract?

Can you or can’t you Change your Matrimonial Contract? “My husband and I were married in community of property many years ago. We now however feel that it would be better for the management of our family and separate business interests if we were rather married out of community of property. Can we change our […]

Pension Interest and Divorce

If I get divorced what happens to the interest on our Pension? “I’ve been married for 20 years, but my marriage is in trouble and I’m facing the very real possibility that I may get divorced soon. My husband has a good pension that we’ve planned to use for our retirement, and I am worried […]

Farewell to that pesky salary attachment order?

Is it really farewell to that pesky salary attachment order? “I have read a recent article that says that due to a recent court judgement, salary attachment orders are no longer allowed. Is this correct and does that mean that the order against my salary is no longer valid?” It is not correct that attachment […]

Valentines Hamper -14 February 2017

Celebrate the month of Love, like and share our page using #YambuCares and leave your email address so we can let you know if you have won our Valentines Hamper. The draw takes place on the 14th February. Good Luck!

Nibble Hamper – 9 December 2016

Yes you guessed it! It’s another one of our weekly competitions! This week we giving away this delicious nibble hamper! All you need to do is like and share our page and comment below #WinWithYambu and your contact details. Winner announced Friday 16th December. Good Luck!

Christmas Hamper -2 December 2016

Its that time again to #WinWithYambu! All you need to do is like and share our Facebook page! Comment below #WinWithYambu and provide your email address so we can get hold of you and you could be the lucky winner of this family Christmas hamper filled tons of goodies! Ready, set, go!  

Chocolate Hamper – 25 November 2016

What’s better than a hamper filled with chocolate! We giving you another chance to win this week. The prize up for grabs this week is this delicious Lindt Chocolate hamper! All you need to do is like and share our Facebook page! Comment below #WinWithYambu and provide your email address so we can get hold of you […]

Sorbet Power Pedicure – 21 November 2016

YAMBU is giving you the chance to WIN every week! This week you could WIN this amazing power pedicure from sorbet! All you need to do is like and share our page and comment below #WinWithYambu. Winner announced at the end of the week!

Power Manicure – 15 November 2016

We are giving you more chances to #WinWithYambu. Share and like our Facebook page and you could WIN this power manicure voucher from Sorbet. Winner to be announced at the end of the week!  

Facebook 3000 Like Competition

Winner: Mavarara Nyiko Vasco We are just a few likes away from having 3000 likes! And to say thank you for all the support, we will be giving this amazing YAMBU hamper to the person who is lucky number 3000! Tell your friends to like the page and they could be walking away with this […]