Are smoothies good for you

Smoothies are easy to make, and kids love them. Blending or juicing fruit exposes the natural sugars in the cells. This converts sugars to ‘free sugars’ which we are advised not to consume.

The addition of sugar to your diet can cause dental decay, excess calories, and a rapid increase in blood sugar. You should eat your smoothies with other foods, especially at mealtimes. It is also a good idea to limit the amount of glass you drink. Smoothies and juices do not count towards your 5-a-day regardless of how many fruits or vegetables are used or how many glasses you consume.

Is there any difference between homemade and store-bought products?

Many smoothies purchased in shops contain less nutritious ingredients, such as juices and fruit purees. These purées concentrate sugars while removing many nutritional benefits of whole fruits such as fiber, phyto-nutrients and vitamins. Shop-bought smoothies may also come in larger sizes than the 150ml serving size. These smoothies contain added nutrients such B vitamins, vitamins C and vitamin E.

Homemade smoothies are rich in fibre, and they can be enjoyed immediately, since they’re fresh made.

Which fruit should you use?

Some nutrients, such vitamin C, may be comparable or even higher in vegetables and fruits that were frozen at harvest than their fresh equivalents. The body can convert beta-carotene to vitamin A by freezing, but it may be reduced. However, this will depend on the specific fruit or vegetable.

It doesn’t really matter whether you opt for fresh or frozen fruits in your fruit smoothie. Both count towards your 5-a-day. Frozen produce can also be used to increase your child’s daily food intake. Frozen produce is a great option for those times when it’s not possible to go to the grocery store.

Which fruit is best to make smoothies with?

Mixing fruits and vegetables can help reduce the sugar content in homemade smoothies. Fruits with stones, such as berries, peaches and plums as well as citrus fruits like kiwi, avocado, and citrus fruits are all lower in sugar. These can be combined with leafy greens such as spinach and kale as well as celery and cucumber.

How often should you drink smoothies Smoothies are a part of a balanced meal plan. But, be mindful to eat lower sugar fruits and emphasize fresh or frozen produce. Consider adding yogurt, kefir, or milk to your diet. Also, consider healthy fats like avocado, seeds, and nuts. Adults and children should eat no more than one smoothie per day.

What to Look Out For When Choosing a Retirement Annuity

Beginning your journey to save for retirement is the initial and most important first step to creating an investment portfolio. Unfortunately, many South Africans are not saving enough for retirement and it is commonly reported that, at present, only 6% of South-Africans can comfortably retire. Your retirement plan is one of your most important decisions.

As George Foreman said: “The problem isn’t about when I would like to retire, but at what level of income.”

A retirement annuity can be an excellent investment to have in your portfolio.

Annuities for retirement are a great way to fund retirement savings and provide a range of tax advantages. You can contribute a maximum of 27.5 percent of your earnings or salary that is tax deductible (capped at R350 000 p.a.) to retirement funds like a retirement annuity (RA) and enjoy tax savings on your taxable income. The growth in your retirement annuity’s investments (dividends and interest) is tax-free.

It also allows you to save for retirement by being disciplined. Annuities for retirement cannot be used before the age of 55. However there are some exceptions that permit access to the annuities earlier, e.g. in the case of permanent disability/emigration. You can make lump sum payments such as a debit order or even ad hoc contributions.

How do you take out the retirement fund you have in your account?

When you retire the first one-third of the total amount can be taken as a cash lump sum, unless the total value of the investment is less than R247 500, in which case it is deemed an amount of cash. The first R500 000 in an unintentional withdrawal in the event that you’ve never previously taken a cash withdrawal from a retirement account, is tax-free. The remainder of the amount of the fund must be used to buy an annuity in the future, which will give you a regular income subject to tax if appropriate.

Specific regulations apply to retirement annuities. The Pension Funds Act sets limits on the underlying investments that you are able to invest in. Regulation 28 prohibits investments in certain asset classes and is intended to stop investors from taking too high a risk in their retirement funds. There are various asset restrictions, including the maximum amount of exposure to 75% to equity, 40% in foreign equity (incl. Africa) 30 percent in foreign equity (excl. Africa), and 25% in property.

It is important to structure the allocation of your investment depending on your age and risk tolerance. A cautious approach to investing at an early age could be as harmful to your future as investing too aggressively towards retirement. The Easy Equities RA is an excellent choice for retirement annuities.

Debt Review:

  • An affordable monthly budget
  • Restructuring debts to only one monthly repayment
  • All communication with Credit Providers will be taken over
  • For reduced payments, negotiate with credit providers
  • Legal protection

An affordable monthly budget

Your debt counselor will help you create a budget that is affordable and a debt repayment plan that suits your needs. Your debt counsellor will provide advice and guidance to help you manage your finances so that you can avoid long-term debt.

Restructuring of debts

Your designated debt counselor will assist you in restructuring your debts. Only one monthly payment is required to a payment distribution agent, which will pay all creditors on your behalf. You will be able pay your monthly debts and still have enough money to cover your daily expenses. Including your bond.

Communication with credit providers

You are not required to contact your credit providers while under debt review. All further communication will be handled by your debt counsellor.

Negotiating with credit suppliers

Your debt counselor will work with credit providers to extend the terms of your debt repayments. This will lower the amount that you have to pay each month towards your debt. This will allow you to afford your living expenses.

Legal protection

Your creditors may threaten you with legal action if you are placed under debt review. The NCA protects you during debt review. This means creditors can no longer harass you and should not communicate any further with you. All legal issues will be handled by your debt counsellor.

What is a Payday Loan?

Payday loans are short-term, unsecured loans that allow you to quickly access money when you have an emergency. These loans are typically repaid within a few weeks. After that, the repayment amount is taken from your account.


Payday loans are a short-term loan that is repaid quickly. This can make it easy to believe that they don’t pose a high risk. These loans come with higher interest rates and fees than any other loan type, which makes them very costly. South Africa’s borrowers may be charged interest rates of up to 5% per month. This might not seem like much. Add in administration fees and you can end up paying more than R400 in interest and fees on a R2000 loan.

These loans have higher interest rates and fees than any other loan type.

A payday will not solve your cashflow problems due to the high cost. This is especially true if you are already in financial trouble. You will be putting yourself in a worse financial position by taking out another loan. Your expenses will only go up, putting you at risk for more financial stress. If you have had multiple debit orders prior to taking out your payday loan the repayments could drain your account funds, which you may have saved for another debit order. A bounced debit order will almost certainly mark your credit history and make future loans more expensive.


A personal loan might be cheaper than a payday loan if you really need the money. Personal loans can be tailored to meet the individual needs of borrowers, unlike payday loans which have fixed interest rates. A personal loan is more affordable if your credit score is above or below average. It is important to calculate the cost of the loan before you accept it. You should also be sure to only borrow money from responsible lenders who will accurately score you and offer the best loan possible for your circumstances.


It’s better not to need a short-term loan . This means that you must ensure that you have enough cash even when faced with emergency expenses. This is not an easy task. South Africans don’t have much savings. However, it is important to save money for the inevitable rainy day. This will prevent you from falling into a situation where you don’t have enough money at the end to cover unexpected expenses.


Although not all strategies are applicable to you, you could save thousands of dollars each year by implementing a few.


Now I can hear my grandmother:

“If you don’t ask, you won’t know!”

She was correct. This tip saved me many thousands of dollars, and counting.

There are two possible approaches to this problem:

Act proactiv

You can call a vendor that you regularly pay for such things as trash service, cell phone carriers, cable TV, and cell phone carriers. You can thank them for their great service, and then ask for a discount.

It will take just five minutes. A five minute phone call can save you thousands of dollars over the years.


This is not an attempt to avoid paying for the service you have used.

This is illegal. It is also illegal. Do not do it.

We have been notified and are now awaiting a bill.

Yesterday my wife received a $500 bill for a test that she had agreed to take. Contrary to what she was informed, insurance didn’t cover this expense.

My wife wanted to pay the bill, and then move on. I suggested she phone me to explain her misunderstanding and ask politely for a discount.

The results?

They got $300 off

How many times have your missed a call due to being too busy? You could be missing hundreds, or even thousands of dollars.

Noah Kagan actually made $2,000 just by asking one question.

What is the worst outcome?

Absolutely nothing!

This is one of my favourite money-saving strategies. There’s no downside risk and unlimited upside.


Some people can’t let go of their expensive cars when it comes to savings money. That’s fine, as long as your financial plan is not in danger.

It is more cost-effective to purchase than to lease if the goal is to save money.

You want a reliable used car that you can maintain for the long-term.


You won’t be paying a car loan if you pay your auto loans.

However, leasing means that you won’t own your vehicle. Monthly payments will be made towards an asset that is losing value every minute.

A lease exchange service is a great option if you are stuck in a contract and want to get out.

Bottom line: If you want to save money, get rid of your lease and buy a used car with low miles.


Budgeting is often the focus of all attention. However, tracking your spending is the secret to saving money that no one talks about. I have found that the most financially successful people know exactly where each penny goes every month.

You can make informed decisions when you know where your money is going.

Knowledge is power.

Is this good or bad?

It depends!

Golf is very important to me. To maintain my golf expenses, I am willing to sacrifice in other areas.

My wife and I decided, however, that $3,000 per annum spent on cable TV was not meaningful.

We were able to reduce our bill by more than 60% with this knowledge.

You don’t know where your money goes if you don’t keep track of your expenses. This makes it difficult to know where and how to save money.

This is a 3-step process to track your expenses and save money.

  • Choose a tracking system that suits you. You could use Mint, YNAB or our free fillable spreadsheet.
  • Keep track of your expenses for at least three months. Do not make judgments about your spending or rush to make changes. Keep track.
  • Take action and review your options. This knowledge will allow you to start by identifying the highest cost first, and then determine if it aligns with your goals. If it is not, you should take action.

We were concerned that this exercise could slip through the cracks so my wife and me hired a bookkeeper who would track our expenses. We meet every quarter to review our finances and to discuss any changes or goals.

It is important to develop a repeatable, reliable system that works for your business. Keep at it, and you will see magic happen.


Is it worth spending money to have fun? Sometimes, it does.

To get to a concert you must pay and no one is giving away free food.

There are many ways to have fun, even if you don’t have the money.

You can save money by setting aside $0 per month for entertainment. You can have as much fun as you like without spending money.

These are some great free entertainment ideas that will get you started.

  • Learn yoga on YouTube
  • Find Meetup groups that match your interests
  • Register for free trial to try the various streaming services
  • Play a board game, or the daily NY Times Crossword Puzzle mini!
  • You can start a small garden using seeds from your local seed sharing program

There are many ways to save money while still having fun. Don’t be fooled by anyone.

Food History

Food Any substance that provides nutritional support to an organism. Food can be of animal, plant, or fungal origin and includes essential nutrients such as vitamins, carbohydrates, fats, protein, vitamins, and minerals. An organism ingests the substance and its cells absorb it to produce energy, sustain life, or stimulate growth. Different animals have different feeding habits that meet their individual metabolisms. These behaviours are often designed to fit specific ecological contexts.

Food for Humans

Omnivores are adaptable and can find food in many ecosystems. Humans have always had two main ways to obtain food: hunting and gathering, and agriculture. Humans settled in agriculture as a lifestyle, influenced by their geographic location and the agricultural opportunities available. Many cuisines and culinary arts have been created due to cultural and geographic differences. International trade and globalization have made it easier for ingredients to be available from other cultures, leading to a more diverse exchange of food traditions and practices.

The Development of Food

The majority of food energy needed by an ever-increasing global population is provided by the industrial food sector. This industry produces food using intensive agriculture and distributes it via complex food processing and distribution systems. The conventional agricultural system relies heavily upon fossil fuels. This means that 37% of global greenhouse gas emissions can be attributed to the food and agriculture system. [1] The global response to climate changes requires mitigation measures that address the carbon intensity and food waste.

The food system has significant effects on many other social and political issues, including sustainability, biodiversity, economics and population growth. Water supply and access to food are also important. The International Covenant on Economic, Social and Cultural Rights, which recognizes the “right to food” as a human right, also acknowledges the “right to a decent standard of living, including sufficient food” and the “fundamental right not to be hungry”. Food security is an important international policy priority because of these fundamental rights. For example, Sustainable Development Goal 2 “Zero Hunger” is intended to end hunger by 2030. International agencies such as the International Association for Food Protection and the World Resources Institute monitor food safety and security. They also have oversight over the Food and Agriculture Organization and the International Food Information Council.

What is Car Insurance?

Car coverage covers you and other drivers while your vehicle is being driven. Car insurance can help you pay for third party costs in the event that you cause damage, injury, or death.

Some policies will pay for repairs or reimbursement of stolen or written-off cars.

Depending upon your policy, you might be covered while driving another person’s car.

What happens to my car if I don’t own insurance?

The rising cost of fuel, and the high cost of living make car insurance a significant expense. In certain countries, like the UK where car insurance is mandatory for all drivers, it can be legal.

Let’s imagine you’re driving happily along your route, your car uninsured. And then you get in an accident. If the other driver was not at fault, and you aren’t covered by their insurance, you may be able to collect money from them. For uninsured drivers, you could sue for damages.

If you were at fault for the accident, all the passengers in the vehicle you struck can seek compensation or take your assets. This can include your savings, a part of your paycheck, and possibly even more depending on the extent of damage. Insurance premiums for your future insurance will be higher for you than for someone similar to you.

It’s possible that cancelling your insurance, or even not taking out any, is still a way to save some money.

What type of insurance do I need for my car?

There are three levels available in car insurance: third party; third person, fire and steal; and complete coverage. The links will take you directly to videos explaining each cover.

How do you determine the cost of your car insurance?

To find the best deal, compare policies from several insurance companies. While it can take some time to do so, the upside is that you will be able to save significant money.

You will pay more for car insurance if you have a specific make and type of vehicle, the location you live in, the security of the parking spaces you use (home and work), and your demographics. Also, you can influence the premium calculation by determining how your claims history and your claims history. Check out this link to see if speeding tickets could increase your car-insurance premium.

What is excess?

An excess is by definition the initial amount that you will be liable for in an insurance claim being settled. It is normally paid to the repairing agency responsible for your automobile after an collision. The excess is paid to them after the damage is repaired and before the vehicle can be driven away.

This amount is paid to you regardless of who caused the damage. This process is in place to prevent customers submitting fraudulent or minor claims.

Advice: Paying a higher excess will reduce your premium when you compare car insurances. A small claim is not worth the risk. To get a no-claim discount/ bonus, you should pay for repairs yourself.

The best places I’ve worked on a Superyacht

Being able to work abroad means you can experience some of the most beautiful and charming destinations you’ve never heard of. This is one of many great benefits of working on a superyacht. Yachting is the perfect job for anyone who loves to travel, see different cultures, and immerse themselves in the diverse parts of the globe.

Working In Spain

Palma de Mallorca, Spain, was the place where I had my best job while working as a superyacht captain. Mallorca is only 35 minutes from Spain’s mainland. It is home to some of the most stunning beaches, crystal-clear waters, delicious food, and great places to party. Its people are what makes it so special. They are friendly and will make you feel at ease. Because you are an island, it is a tight-knit community. It is possible to experience it in small towns and villages outside of Palma.

Atmosphere and Culture

Palma is famous for its historic center. You can find beautiful architecture in the old town, as well as the Santa de Maria Cathedral. Tapas Tuesdays are a strong tradition in Spain. Tapas Tuesdays sees restaurants and bars selling small, delicious finger foods and being accompanied by a special drink. This is the place to go in Palma on a Tuesday. The cobblestone streets are the place to be for the night. You will find great bargains on clothing and niche products in the old town.

Where to be

The Bourne is in Palma, which is the next best place. This is the place to spend any tips you’ve earned. Here you will find most of the top-brand shops. Shop till you drop. The Bourne is home to beautiful flower markets, coffee shops, well-known restaurants, and is known for hosting concerts and festivals. They decorate the street with a giant tree during Christmas. Christmas lights hang between the trees and around them. The Bourne is a wonderful place to visit during Christmas.

Palma is a paradise for food market lovers. Nearly every day is a different day at the market. These markets offer a taste of Spanish culture through their food. At these markets, the popular Spanish paella is a hit. It’s a wonderful experience when you combine all of this with a good Spanish red or cerveza (beer).


The Balearic islands are home to some of the most spectacular beaches, beaches clubs, crystal-clear waters, cliff diving, and other unique activities. It is worth taking the time to explore these incredible beaches and enjoy some downtime. Relax and enjoy some of the most famous beaches clubs.

Working In The Bahamas

The Bahamas were a totally different place than the Mediterranean. It is a paradise for tourists, with a wide variety of culture, food, and islands. The weather is great and it has the most relaxing feeling. I have never seen such turquoise water, white sandy beaches, endless palms, or coconuts. It was an incredible experience that I will never forget.


Bahamians have a vibrant, joyful and vibrant culture. Their hospitality and exquisite dress are a testament to their warmth. You will be amazed at the food. The sky juice, jackfruit tacos, conch salads, and jerk chicken are all amazing. It is here that you can experience the Bahamian cuisine and clothing. You will find a number of restaurants with different colours that serve a wide range of cuisines. This is definitely a must-see.

Beaches and Islands

The Bahamas are known for their beautiful beaches and crystal clear waters. I have never experienced water this clear before. This is the best place to free dive. The visibility is amazing and there are plenty of shipwrecks and statues. Ocean Atlas, one of the most impressive underwater statues, was placed here to support the weight of oceans and divert tourists away from endangered coral reefs. Made from sustainable materials, she is specifically designed to promote coral growth. Exuma islands offer a unique experience. There are 365 islands you can visit. It is an amazing experience to walk the waters with the swimming fish, feed the iguanas, or take free diving lessons in the Bahamas. You can take a day off and enjoy a glass or two of wine on the beach while taking in the Bahamian sunshine.

You can explore the world through superyachts. We can help you get started on your yachting journey.

Online Shopping for Groceries

Shopping for groceries is a difficult task. There are many things that frustrate shoppers: the crowds, noise, people and out-of stock items. And, to make matters worse, the constant changes in store layouts.

The last thing you need to do if your schedule is jam-packed with appointments, school runs, extra mural schedules, etc., is to shop online. The wonders of technology and online shopping can save you and your sanity.


Online shopping for groceries is the best option because of its convenience. Online grocery shopping and delivery is possible at any time of day.

You may forget to add an item to the shopping list, or someone calls to let you know they are finished with the milk. Online shopping makes it easy to add or subtract items as necessary.

It’s easy to get groceries delivered right at your home. Delivered directly to your home, all you have to do now is to unpack. It’s time saved!


Inclement weather and crowded parking lots are not encouraging factors to make a trip to the shops. All of this can be avoided with online shopping. These are time-consuming and frustrating. Add to that the expense of petrol and parking. This can add up quickly over a long period. It is better to avoid frustration


What proportion of people only buy the items on their shopping list? You have to admit that we all are tempted by the tempting snack or promotion aisles and will often just buy what is on our shopping list. Shopping when you are hungry is worse than shopping. This is when your hunger takes over. Online grocery shopping can help you avoid impulse buying.

Instead of worrying whether you’re out of something and buying more, or wondering if it is in stock, you can use the internet to check your grocery store to see if you have an item you require.

Impulse purchases can be made when we are stressed or want to get out of the grocery store. It’s easy to shop online from the comfort of home. You can browse the products, look up ingredients and compare prices. Save Time and Money!

Online shopping allows you to save time so you can spend your time doing what you love and enjoy. It is not worth waiting in a long queue. Shop online at Wildsprout now!

The most to Trade in SA

When traded correctly and at the right time, offers, ETFs and commodities, CFDs, and Cryptocurrency all show extraordinary returns. South Africans are finding it easier and cheaper to trade online because a lot of these exchanging resources are available online.

Having so many options can lead to certain problems. How do you conduct web-based exchanging in South Africa? What is Online Trading in South Africa? You can find more information here. We will attempt to give you however much data as could reasonably be expected in this article.

What is Online Trading?

In the past, traders and financial backers had to trade face-to-face or via telephone. This meant that there were more workers and higher expenses. This also meant that the interaction was slower.

The web and innovation have made it possible to find simpler options in the modern age. Web based Trading is one of those components. This permits traders to trade online in South Africa utilizing exchanging stages web and application structure. These stages must be enrolled FSPs so that they can work with enlisted dealers.

This means that exchanging is faster and more cost-effective.

These are two benefits of Electronic Stock Exchanges that can be obtained from standard bank records:

* It reduces the risk of contributing by providing a simple valuing tool to trades.

* All recorded organizations are inspected. A stock trade works in a severe administrative climate and organizations need to agree with a severe rundown of necessities.

There are many benefits that can be derived from this:

* Lower costs and commissions

* Easier for users

* Easier to use

* Access to the Internet

This is the best way to verify that the stage is real

This is an important question that must be answered, given the number of tricks available. South Africa has very strict monetary laws that protect you, the shopper, from scammers and trick craftmen. These stages are managed in South Africa by various associations, with FSCA as the principal controller. Investing in South Africa.

This body ensures that monetary foundations are properly enlisted and managed, and it takes a strong stance against those who may not be genuine. You can check here to see if a specialist or specialist organisation is enlisted.

How to trade on the internet effectively

It takes a lot of practice to exchange on the internet. A few traders require a long time to dominate the specialty of exchanging. You should not put off learning and focus on using demo records and courses to help you. Large numbers of the enlisted stages for internet exchanging South Africa offer free demo records to help you in beginning.