For millions of South Africans, the Two-Pot Retirement System has changed the way we think about our retirement savings. Since 2024, members have been able to access a portion of their retirement
savings when they need financial relief. And when you're dealing with debt, school fees, household expenses or simply trying to make it through the month, that money can be very tempting. But accessing your retirement savings isn't simply a case of taking money that is sitting there waiting for you. There are tax consequences, there may be fees, and every withdrawal potentially reduces what you will have available when you retire. And beyond withdrawals, consumers also need to know
whether the money being deducted from their salaries is actually being paid into their retirement funds. So, how do you know when a withdrawal is worth considering, what are you actually giving up when you take that money now, and what should you do if the numbers on your payslip don't match your retirement fund records? Today, we're unpacking what every retirement fund member should know before making that decision.

For millions of South Africans, the Two-Pot Retirement System has&nbsp;changed the way we think about our retirement savings. Since 2024,&nbsp;members have been able to access a portion of their retirement savings when they need financial relief. And when you're dealing&nbsp;with debt, school fees, household expenses or simply trying to make&nbsp;it through the month, that money can be very tempting. But accessing your retirement savings isn't simply a case of taking&nbsp;money that is sitting there waiting for you. There are tax&nbsp;consequences, there may be fees, and every withdrawal&nbsp;potentially reduces what you will have available when you&nbsp;retire. And beyond withdrawals, consumers also need to know whether the money being deducted from their salaries is actually&nbsp;being paid into their retirement funds.&nbsp;So, how do you know when a withdrawal is worth considering, what&nbsp;are you actually giving up when you take that money now, and what&nbsp;should you do if the numbers on your payslip don't match your&nbsp;retirement fund records? Today, we're unpacking what every&nbsp;retirement fund member should know before making that decision.

METRO FM Talk with Faith Mangope

METRO FM Talk with Faith Mangope

Financial Sector Conduct Authority ( Ms. Alicia Moses - Designation: Manager: Consumer Education, FSCA )

For generations, the idea of “home” for many South African families has meant more than the house where you grew up. It could mean the rural homestead — the place where your grandparents lived,
where family rituals were performed, where the umsamo was kept, where the kraal formed part of the homestead, and where children were taught customs and traditions by the elders around them.
But South Africa has changed dramatically. Millions of us now live in cities, far away from those rural homes. We have moved for education, work and better opportunities, and many of our children
are being raised in apartments, townhouses and suburban homes where some of the physical spaces associated with traditional practices simply don't exist. So what happens to our relationship with culture when we are physically separated from the places where that culture has traditionally been practised? Can you maintain a strong connection to your heritage when the ancestral home is hundreds of kilometres away? And what happens to practices like imbeleko, family rituals and the role of the umsamo when there is no longer a rural homestead at the centre of everyday family life?
Today, we're asking whether modernisation and urbanisation are changing not only where we live, but how we understand, practise and pass on our heritage to the next generation.

For generations, the idea of &ldquo;home&rdquo; for many South African families&nbsp;has meant more than the house where you grew up. It could mean&nbsp;the rural homestead &mdash; the place where your grandparents lived, where family rituals were performed, where the umsamo was kept,&nbsp;where the kraal formed part of the homestead, and where children&nbsp;were taught customs and traditions by the elders around them. But South Africa has changed dramatically. Millions of us now live in&nbsp;cities, far away from those rural homes. We have moved for&nbsp;education, work and better opportunities, and many of our children are being raised in apartments, townhouses and suburban homes&nbsp;where some of the physical spaces associated with traditional&nbsp;practices simply don't exist.&nbsp;So what happens to our relationship with culture when we are&nbsp;physically separated from the places where that culture has&nbsp;traditionally been practised? Can you maintain a strong connection&nbsp;to your heritage when the ancestral home is hundreds of kilometres&nbsp;away? And what happens to practices like imbeleko, family rituals&nbsp;and the role of the umsamo when there is no longer a rural&nbsp;homestead at the centre of everyday family life? Today, we're asking whether modernisation and urbanisation are&nbsp;changing not only where we live, but how we understand, practise&nbsp;and pass on our heritage to the next generation.

AFTER 8 IS AFTER 8: FROM KRAALS TO CONCRETE: IS URBANISATION CHANGING  HOW WE CONNECT WITH OUR HERITAGE?

Every time we see the South African flag flying, particularly during Heritage Month, we’re reminded of the country we became in 1994 — a country emerging from apartheid and attempting to build a new national identity. But how much do we actually know about the history behind the flag
itself? The official historical account credits the late State Herald Frederick Gordon Brownell with designing the flag that was unveiled in 1994. But an independent researcher, Bandile Magibili, has spent years investigating the process that led to the flag’s adoption, and he says there are still questions that deserve closer examination. Among them: what happened to the designs submitted by members of the public during the transition to democracy, how were those submissions assessed, and how exactly did the final design emerge? At the centre of his research is Eastern Cape artist Thembani Hastings Mqhayi, who maintains that he submitted five designs during that public process. Magibili is now taking the research into international academic spaces, including Mauritius, arguing that the documentary evidence should be subjected to independent scholarly scrutiny. So today, we're asking a fascinating question about one of the most recognisable symbols of our democracy:
what does the evidence actually tell us about the origins and authorship of South Africa's national flag?

Every time we see the South African flag flying, particularly during&nbsp;Heritage Month, we&rsquo;re reminded of the country we became in 1994&nbsp;&mdash; a country emerging from apartheid and attempting to build a new&nbsp;national identity.&nbsp;But how much do we actually know about the history behind the flag itself?&nbsp;The official historical account credits the late State Herald Frederick&nbsp;Gordon Brownell with designing the flag that was unveiled in 1994.&nbsp;But an independent researcher, Bandile Magibili, has spent years&nbsp;investigating the process that led to the flag&rsquo;s adoption, and he says&nbsp;there are still questions that deserve closer examination. Among&nbsp;them: what happened to the designs submitted by members of the&nbsp;public during the transition to democracy, how were those&nbsp;submissions assessed, and how exactly did the final design&nbsp;emerge?&nbsp;At the centre of his research is Eastern Cape artist Thembani&nbsp;Hastings Mqhayi, who maintains that he submitted five designs&nbsp;during that public process. Magibili is now taking the research into&nbsp;international academic spaces, including Mauritius, arguing that the&nbsp;documentary evidence should be subjected to independent&nbsp;scholarly scrutiny. So today, we're asking a fascinating question&nbsp;about one of the most recognisable symbols of our democracy: what does the evidence actually tell us about the origins and&nbsp;authorship of South Africa's national flag?

REVISITING THE FLAG DEBATE ON HERITAGE DAY ( Bandile Magibili )

South Africa is a country that has experienced a tremendous amount of loss. We lose people to illness, accidents, crime, suicide and violence — and for many families, one loss can come before
they have even had the opportunity to process the one that came before it. Yet life carries on. We go back to work, we raise our children, we pay the bills and somehow, we are expected to keep
functioning. So what does all of this loss do to us emotionally? Are we actually processing our grief, or have we become accustomed to simply carrying it? And is there such a thing as a country becoming
collectively exhausted from grief? Today, we want to look at how we are grieving as a nation — the
ways we deal with loss, the things we don't talk about, and whether some of us are carrying unresolved grief without even realising it. We're joined by psychologist, author and mental-health advocate Dr. Better, whose new book Reflections of a Grieving Therapist draws on her years of helping people navigate pain and loss, as well as her own experience of grief.

South Africa is a country that has experienced a tremendous&nbsp;amount of loss. We lose people to illness, accidents, crime, suicide&nbsp;and violence &mdash; and for many families, one loss can come before they have even had the opportunity to process the one that came&nbsp;before it. Yet life carries on. We go back to work, we raise our&nbsp;children, we pay the bills and somehow, we are expected to keep functioning.&nbsp;So what does all of this loss do to us emotionally? Are we actually&nbsp;processing our grief, or have we become accustomed to simply&nbsp;carrying it? And is there such a thing as a country becoming collectively exhausted from grief?&nbsp;Today, we want to look at how we are grieving as a nation &mdash; the ways we deal with loss, the things we don't talk about, and whether&nbsp;some of us are carrying unresolved grief without even realising it.&nbsp;We're joined by psychologist, author and mental-health advocate Dr.&nbsp;Better, whose new book Reflections of a Grieving Therapist draws&nbsp;on her years of helping people navigate pain and loss, as well as&nbsp;her own experience of grief.

Financial Sector Conduct Authority ( Ms. Alicia Moses - Designation: Manager: Consumer Education, FSCA )

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