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Taking Care of Your Health Before & After getting the Covid-19 Vaccine

On the 19th of August, President Cyril Ramaphosa’s cabinet announced that it will open Covid-19 vaccines to all South African adults from Friday (20 August 2021). According to the World Health Organisation (WHO), the COVID-19 vaccines produce protection against the disease, as a result of developing an immune response to the SARS-Cov-2 virus. ( https://www.who.int/ )

Whether you, or your family are planning on getting vaccinated, it is important to understand the Do’s and Don’ts of ensuring your vaccination preparation and recovery is as smooth as possible. Here are some of the things you need to consider when getting the COVID-19 vaccine:

DO:
● Drink a lot of water: Staying hydrated is extremely important both before and after your vaccination.
● Eat a well-balanced diet: To avoid serious side effects, a well-balanced diet is essential.
● Get at least 7 to 8 hours of sleep: When you get vaccinated, the body relies on immune responses to develop protection.
● Do some light exercise/physical activity: Listen to your body. Exercise supports blood circulation that can help in reducing vaccine side effects.
● Consult your doctor before the vaccination if you are on steroids or blood thinners.
● Continue with COVID-19 appropriate behaviour-The most important thing to do post-vaccination is to continue wearing masks, regularly washing, or sanitizing your hands, maintaining physical distance, avoid crowded places and avoid touching surfaces.
● Apply a clean, cool, and wet cloth (or some ice) over the arm after the vaccination to reduce the pain.

DON’T:
● Consume excessive amounts of alcohol and tobacco: Although there are no approved scientific studies that quantify the effect of alcohol or smoking on vaccination, it is advisable to avoid tobacco or alcohol consumption as it may aggravate and worsen vaccine side effects making the experience more stressful and unpleasant.
● Think that you are completely immune to COVID-19 after vaccination: No vaccine has a 100 percent success rate. You may contract COVID-19 even after being vaccinated but chances are the infection would be much milder.
● Delay consulting a doctor if you experience COVID-19 symptoms even after vaccination.
● Partake in strenuous physical activity for at least 2-3 days post vaccination: As your body needs time to recover from the side effects of the vaccine, avoid putting it in stress.

Source: https://www.unicef.org/

If you have not registered, visit: https://vaccine.enroll.health.gov.za/#/ to register for the COVID-19 Vaccine

For more information, visit:

The latest COVID-19 news and resources, as well as tips to protect you and your family.

Vaccines and immunization: What is vaccination?

COVID-19 Coronavirus vaccine myths and facts

*Disclaimer: The information in this blog is purely factual and does not constitute advice. Members should seek individual medical advice.

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What to consider when planning your Estate?

What to consider when planning your estate?

Having to plan for what happens to you after your death is not the number one topic that everyone wants to discuss, however, it must be if your family is your number one priority. Planning your estate does not simply involve drawing up a will. It includes thorough planning in which all your assets are accounted for and ensuring that their transfer is as smooth as possible once you die so that the people and entities you want to receive them do not need to worry. You need to make sure that your wishes are clear enough for everyone to understand.

Here is a checklist of things to consider when planning your estate:

1. Check your Will.

Probably the most important step is to make sure that your will is up to date. Anyone over the age of 18, and who have assets in their name, should have a will drawn up. This is where you will state how your assets will be distributed after your death.

2. Itemise your inventory.

To start the process, we advise that you take a walk through your home (inside and outside) and make a list of all valuable items. These could include jewellery, televisions, collectible items, cars, art, and your house itself. You can even start marking which items you want to go to who.

3. Add the non-tangibles.

Once the above list has been finalised, it is time to start adding your non-physical assets such as bank accounts, life insurance policies, health insurance, investments, and other policies you may have taken out. Ensure that account numbers are written down, as well as the location of the physical document for these items.

4. Review your family’s needs.

The next step is to review whether your family’s needs will be accounted for once you have died. Check whether your life insurance policies are up to date according to your lifestyle status. You should also name a guardian, and a back up guardian for your children, as well as document how you want your children to be cared for. Do not presume that your named guardian will know what your goals for your children are.

5. Establish your directives.

An estate plan is not complete unless it includes legal directives such as:

– A living trust: you can designate portions of your estate to go toward certain things while you are still alive. This is important if you find yourself ill or incapacitated and you need someone to take care of your needs.

– A medical care directive: this is part of your living trust and includes your desires for how you want your medical care to play out if you become incapacitated.

– A financial power of attorney: you can assign a person to look after your financial needs if you become medically unable to do so. However, make sure you choose someone that you trust to make the right decisions, and follow your prerequisites.

6. Select a trusted estate administrator.

These people are going to play a vital role in making sure your directives are followed through with. Your estate administrator is going to oversee administering your will, so ensure that you trust them fully. This person should be responsible and in a good mental state.

7. Name your beneficiaries.

Make it clear who you want to inherit what in the event of your death. You do not want your assets landing up in the states hands or fighting to take place over your assets.

8. Cover funeral expenses.

Put a policy in place that will allow you to save efficiently for your funeral costs. Your family will be in mourning, so take that financial burden away from them.

9. Get professional help.

We understand that this can be very overwhelming, which is why we have a team of experts on hand to assist you with planning your estate. We are on hand to give you the best advice and take some of the stress away. We treat you as if we were putting our own estate in place.

Contact Pogir on 011 879 7200/7250 or email info@pogir.co.za

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How to deal with Coronavirus

Info and Tips on how to deal with Coronavirus.

With the global spread of the 2019 Novel Coronavirus(COVID-19), it’s crucial for everyone to be equipped with information on how to avoid getting the virus and what to do if you, or a colleague, may have contracted the virus.

Read on to find out what’s known and all the tips you need to keep yourself, your colleagues, and your family safe.

What do we know?

  • COVID-19 is a highly transmissible, respiratory illness that can provefatal under certain conditions.
  • There is no vaccine available to provide protection from the virus.
  • The best method of prevention is avoiding exposure.
  • The virus most commonly spreads through:
    breathing in droplets coughed or exhaled by someone who is ill; close personal contact such as shaking hands or touching others; touching an object or surface on which the virus is found and then touching the mouth, nose, or eyes; and in rare cases, through fecal contamination.
  • Most people (over 80%) infected with COVID-19 experience mild symptoms and recover.
  • Up to 5% of people go on to experience more serious illness, possibly requiring hospital care.
  • Up to 2% of cases result in death. Risk of contracting the virus is based on age
    (with people over 40 appearing to be more vulnerable than those under 40) and a weakened immune system (where those with diabetes, heart, and lung disease are more vulnerable to serious illness).
  • Those who have contracted the virus may take up to 14 days to develop symptoms and no medication can be given during this period to combat the virus.

Symptoms:

Symptoms include a fever, cough, or shortness of breath.
Note that these symptoms could be the result of a cold or flu.

For more info:

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Why use a broker?

The middleman you want to keep.

“For enquiries press 1. For claims press 2. For the operator, please hold.” “Thank you for your patience, our call volume is high at the moment, but one of our operators will be with you shortly”. “Your call has been disconnected. Goodbye”. Do you dread those longwinded calls you have to make to the call centre? Rather ask your trusted broker for their assistance.

Not only this, but when deciding where to invest your money, or which medical policies to take out for you and your family, having sound, professional help will always come in handy. It is easy to look online and compare and analyse different policy options, but when it comes to understanding the nitty gritty details, your broker is the middleman that you don’t want to cut out.

Benefits of using a broker include:

  1. Personalised service: it is your broker’s job to have a deep understanding of your financial needs so that they can present only the best policy options that will benefit you.
  2. Expertise: your broker is qualified to understand, analyse, and advise you on how to reach your financial goals. They are financial professionals and have industry knowledge and insight that will benefit you greatly.
  3. Trusted relationships: being able to pick up the phone and immediately get through to your broker who knows and understands your needs makes financial planning and development a lot easier than hanging on a call waiting for a call centre agent. That one-on-one dialogue between broker and client helps build a trusted relationship, ultimately benefitting both parties.
  4. Time and money saving: taking out insurance and financial planning can be a scary area to enter when you do not understand what to look for. Brokers have this knowledge and understanding and can therefore advise you quicker than you sifting through different policies yourself. They will also help find you the best viable financial offer.
  5. Claims assistance: your broker will assist you with your claim’s preparation and settlements. They will advocate on your behalf to ensure that you get the best possible settlement.

With over 50 years of experience in the industry, at Pogir, we live by our motto of being #SmartwithHeart. We take an invested interest in our clients and their needs, providing only the best service to them, which can only come from always keeping up to date with the latest industry information and trends. We are a family practice that brings this through to each of our dealings and clients – no matter how big or small your policies are with us. To find out more how we can assist, contact us on 011 879 7200/7250 or email info@pogir.co.za.

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Prioritise your savings for 2021

Prioritise your 2021 financial habits.

If there is anything that 2020 has taught us, it is to expect the completely unexpected, and that saving for the unpredictable can be the financial lifeline that you did not even realise you needed. It pushed us to reassess our priorities, particularly our spending priorities, with the need to become more frugal. However, saving money takes discipline – and a certain amount of sacrifice.

Saving money is one of the most basic financial obligations that we can take on, however, it is important to understand why you need to save to be able to create, and stick to, an optimal savings plan.

Here are seven tips on how to start saving efficiently.

Budget, budget, budget

Probably the most important step in saving efficiently is to set yourself a budget. Check your credit card statements and bank statements to figure out where your spending is happening as this will help you find a balance between what you are earning, what you are spending, and how much you can be saving month on month.

Bid adieu to debt

Paying off your monthly debt payments will free up your income, giving your more money to save. Start off by paying off your smallest debts first and then move to the larger ones. You can also look at refinancing existing debts when interest rates are low.

Develop saving goals

One of the best ways to figure out how much you should be saving is to set short term and long-term spending goals. Whether it is for your wedding, your retirement, a down payment for a new car, or a vacation, knowing what you are saving towards always helps.

Track your spending

You have developed your budget, but are you sticking to it? It is important to track all spending month on month to make sure you aren’t spending more than you are earning, and that you still have enough money to save.

Save automatically

Open a savings or investment account and set up a monthly debit order. This way the money you want to be saving monthly will automatically transfer to an account that you do not have open access to. Having this type of account in place takes away any urges to spend the money you should be saving.

Unsubscribe from emails

All those emails you have subscribed to from your favourite stores that send daily emails about all their specials – unsubscribe immediately to remove any temptation to buy unnecessary items.

Meal planning

Take time every Sunday to plan what you are going to eat each week. This includes work lunches! Not only will you cut down on spending by only buying the necessary food, but you will save money by not buying take out every day for lunch.

Speak to your Pogir advisor on how they can help you prioritise your spending habits for 2021.