#12 Youff Sportz | Carobo cup, Manchester United problems

Youff Sports is back with discussions Carabao Cup title run, Manchester United Problems. we welcome back Xolile Mpisane back to the Team. you can watch the episode on Youtube.

Youff Sportz | Sunrisers EC SA20 Final, AFCON23, Bafana Bafana, Final , Lewis Hamilton + Ferrari

Welcome to Season 2 Episode 1 of Youff Sportz! In this episode, our incredible host Hope Mbhele is joined by the dynamic duo Ayanda Nyuswa and Samkelo Biyela as they dive into some exciting sports news.

First up, they provide an in-depth analysis of the Sunrisers Eastern Cape SA20 team. Ayanda and Samkelo provide a comprehensive review of the team's journey so far, highlighting the key players, strategies, and memorable moments on the field.

Next, they shift their focus to the latest happenings in the Bafana Bafana AFCON tournament. From the thrilling matches to the standout performances, get ready to relive the excitement and hear the expert opinions from our talented panel. But that's not all – we couldn't forget about the Formula 1 fans! Our hosts also discuss the latest updates on Lewis Hamilton and the ongoing speculations surrounding his potential move to Ferrari. Hear their insights, predictions, and all the buzzing rumors in the world of motorsport.

So, whether you're a football fanatic, cricket connoisseur, or a Formula 1 fanatic, this episode has something in store for everyone! Join Hope, Ayanda, and Samkelo as they unpack the thrilling world of sports and take you on an adrenaline-fueled journey you won't want to miss. Don't forget to like, share, and subscribe to Youff Sportz for more exciting updates on your favorite sports! Let's dive into the action together.

ON THE FRONTLINE | Youff Feature

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Around this time last year, our country as we knew it changed forever. The world came into a halt and only the unsung heroes took up armor, working tirelessly around the clock, desperately trying to save lives.As the month of March is the anniversary month for the first covid-19 confirmed casein South Africa. This March, Youff took the opportunity to shine the light on the warriors who faced this battle head on.

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This issue is dedicated to the doctors, nurses, bio medics, paramedics and all health care workers nationally and worldwide. With our sincerest, and deepest gratitude, we say, thank you

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DR. LELO NKOSI

Is a medical practitioner full of life and sparkle. Dr Lelo Nkosi wears many hats and a crown at some point as Miss Ethekwini, is one of the honorary doctors we have featured in this issue.

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Growing up KwaDukuza, Dr Nkosi was a top achiever in school and the path to medicine met her at a young age. “Being a doctor just happened for me, it was a career chosen for me before I was even asked what do I want to be?” her community believed in her so much that her high school principal tore up her CAO application that did not include medicine. “My principal filled it out for me and had medicine as the first option; they even offered to pay for my CAO application.”

Dr Nkosi used this support and her parent’s

aspiration as fuel to inspire throughout her years as a medical student. “I always reminded myself that what I’m doing is a way for me to say Thank you to my parents.”

Struggling with academic pressures and trying to discover her sense of belonging, Dr Nkosi almost dropped out during her 4 th year of medical

school, but paying homage to her parents was far more important. When the country shutdown, Dr Nkosi was at work, and just like us the anxiety only kicked later. “I wasn’t really into it until it started affecting us at work. Our working environment changed, we started losing staff members and cleaners.

It felt so close.”

Despite the panic and chaos, Dr Nkosi believes the healthcare system handled the pandemic very well. “I think the health care system as a whole wasn’t ready, but what we did was sufficient. It may not have been enough, but it did manage to save lives.”

Dr Nkosi urges young matriculants to study medicine. “As a young black girl, who grew up in the township, I would say go for it. Especially girls, being a doctor doing my internship and looking at my peers also doing their internship, I feel blessed as I am able to take care of my family without feeling it that much.” It may not have been enough, but it did manage to save lives.”

Dr Nkosi urges young matriculants to study medicine. “As a young black girl, who grew up in the township, I would say go for it. Especially girls, being a doctor doing my internship and looking at my peers also doing the internship, I feel blessed as I am able to take care of my family without feeling it that much.”

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Dr. BONGINKOSI MAFUZE

Being diagnosed with a heart condition at a young age, Dr Bonginkosi knew from as little as grade 1 that he wanted to be a medical doctor. Cardiology being the core foundation of his inspiration, Dr Mafuze eventually let go of this dream and pursued specializing in Psychiatry. Outside of work, Dr Mafuze enjoys playing sports such as cricket and indoor soccer, as well as traveling.

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Mental health being one of the biggest concerns during the lockdown, Dr Mafuze saw number patients through this difficult time. “It affected most of my clients as some of them are addicted to tobacco and alcohol but are able to use them in a contolled manner. So restricting them access to these substances really caused them to relapse, they became suicidal or depressed.” As patients were no longer coming to hospital, Dr Mafuze found new ways of reaching out to his patients using Tele-Psychiatry where they communicate telephonically with their patients. Dr Mafuze is pro vaccine and is excited to get his jab. In plight of the anxiety around the vaccine, Dr Mafuze encourages citizens to vaccine. “Fortunately we live in a world where you are allowed to make your own decisions. I can only educate you on why you should vaccine, the importance of the vaccine, the possible side effects and the expected outcome.

With conspiriciences going around I believe it’s very important for people to do their own research and educate themselves.” Dr Mafuze specializes in psychiatry which deals with mental health. He was inspired by the lack of importance of mental health within the black community and wishes to shift that narrative and highlight the importance of psychiatry.“People think we deal with people who pick papers, but it’s such a dynamic and broad field. We’ve seen people who have committed crimes while not being in the right state of mind, children with behavioral problems and sometimes people who are depressed. I think its high time the government invested in psychiatry.” Said Dr Mafuze.

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DR NOXOLO KWEYAMA

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Doctor to odado is Dr Noxolo Kweyama. Coming from a home of medical professionals, Dr Noxolo Kweyama followed in her mother’s footsteps. “I always knew I was going to be in the healthcare field, I also enjoyed life sciences at school. I’ve always gravitated towards that field.” Specializing in pediatrics, Dr Kweyama discovered new characteristics about herself. “I used to think I was not a patient person, but working with children I discovered that I am very patient and nurturing.” Dr Kweyama has found the perfect balance between her demanding work life and social life. “You need to stay true to yourself and recognize what do you need to do that will give you joy. Your job needs to adjust to your life not the other way around,”said Dr Kweyama. Having survived covid-19, the pandemic was more taxing to Dr Kweyama’s physical wellbeing, leaving her drained and confined to not exploring due to lockdown restrictions. “Mabajove abantu”, giggled Dr Kweyama. She urges citizens to understand that we are all still learning about the virus. “All the vaccines we have today all started off somewhere at some point in time.” Dr Kweyama encourages medical practitioners who wish to specialize in a certain to take time to find their calling.”It all comes with time, you may decide to work in one specialty then decide that it’s not for you. You shouldn’t mind going to work and you should put in the work to be where you want to be!”

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Tribe of Afro Mix | Youff Mix

Artist of the Month: Tribe of Afro

This month we shine the spotlight on Tribe of Afro, a musical duo consisting of Cuelindo (Lindokuhle Makhaye) and Sbonzahr (Bongumusa Mhlongo) who are both from Pietermaritzburg, KwaZulu Natal. The Afro House duo was brought together by their love for music in 2016. Since then they have released songs like “Umzilikazi” and “Umshini" which were released in 2019 and 2020 respectively. They have been performing on events and now have residency on Gagasi FM Noma Yin Mix show every Wednesday. YOUFF got to catch up with them.

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Q1. WHEN WAS THE FIRST TIME YOU REALISED THAT MUSIC IS WHAT YOU WANTED TO DO AS A CAREER AND WHAT WAS THE TURNING POINT OF YOUR CAREER?

CUELINDO: I DEVELOPED MY LOVE FOR MUSIC DURING THE ERA OF ISGUBHU WHEN I USED TO BE AROUND DJS AND PRODUCERS IN SOBANTU WHERE I GREW UP.

SBONZAHR: I STOPPED BEING A LISTENER AND STARTED TO APPRECIATE MUSIC AS AN ART IN 2010. I REALISED I HAD TALENT FOR IT WHEN I STARTED PRODUCING AND BEING A DJ IN 2012.

THE TURNING POINT FOR TRIBE OF AFRO WAS PERFORMING AT THE PIETERMARITZBURG JAZZ FESTIVAL. THE RECEPTION FROM THE CROWD (WHICH WAS THE BIGGEST CROWD WE’VE EVER BEEN IN FRONT OF) WAS UNBELIEVABLE AND THE MOMENTUM WE TOOK FROM THERE IS WHAT HAS BROUGHT US TO THIS POINT.

Q2. DO YOU THINK TALENT ALONE CAN HELP YOU SUCCEED IN THE  MUSIC INDUSTRY OR DO YOU THINK GETTING EDUCATION TO BACK UP TALENT IS AS IMPORTANT?

TALENT WILL GET YOU MAKING MUSIC, BUT EDUCATION WILL KEEP YOU IN THE MUSIC BUSINESS. YOU CAN MAKE MUSIC AS A HOBBY BUT IF YOU WANT TO DO IT AS A CAREER AND MAKE MONEY FROM IT, EDUCATION IS REALLY IMPORTANT BECAUSE THERE ARE SO MANY ELEMENTS AND DIFFERENT ASPECTS TO THE BUSINESS OF MUSIC THAT YOU NEED TO KEEP EDUCATING YOURSELF ON. THERE ARE MANY EXAMPLES OF PEOPLE WHO ARE NO LONGER IN THE INDUSTRY BECAUSE THEY THOUGHT BEING TALENTED WAS ALL IT TAKES.

Q3. IF THERE WAS ONE THING YOU COULD CHANGE ABOUT SOUTH AFRICAN MUSIC INDUSTRY, WHAT WOULD IT BE? WHY?

THE NEED FOR ARTISTS TO HAVE AN ESTABLISHED NETWORK OR KNOW AT LEAST ONE PERSON WHO BACKS THEM AND OPENS UP HIS NETWORK IN ORDER FOR THEM TO MAKE IT. THERE IS A LOT OF CRONYISM THAT HAPPENS IN THE BACKGROUND WHERE MANY “LESS DESERVING” ARTISTS GET THE SPOTLIGHT VS THE UNDISCOVERED GEMS.

DJ MZU MIX | YOUFF MIX

“I’ll pay you back…” What’s your score and why should you care? | Youff Mag

Decisions, decisions, decisions…Welcome back to another months issues of finance, with me Khaya Langa. It’s early stages of the year and it’s time to put the years financial objectives into 1st gear. 

Most of us have decisions to make based on our needs and preparations for the year. Is it buying your first car, buying a house or deciding on which career path to venture in to? Regardless of what it is, what do all these decisions have in common, you might ask? The simple answer is, they need money. If you have cash for all this, well good for you, we are really happy for you, but like the average Jabu or Jennifer, we all will need assistance from the bank in the form of loans or in corporate(channel 410 upwards) lingo,  CREDIT. Credit can either make you or break you. Unfortunately I find most people don’t know half enough of what they should. Which is why I am here, to guide you and basically hold your hand to the promised land.(You’re welcome) Let’s dive right in!

What is credit?

Simply put, it is the transacton of borrowing money and paying it off over a period of time with small amounts with a little bit more on top, called interest. That makes sense right, we all know the concept  because Grade 9 maths should of covered that. I hope. But the application of it in your adult life is more important than what you would’ve thought. Now follow me closely here. 

There is something called Secured Debt and Unsecured Debt. What’s the difference? As the adjectives describes respectively, Secured debt is debt given to you with the purpose of attaching an asset to it so that should you not be able to make repayments, the borrower can repossess the asset and try recover their debt. (Like a scene from Operation Repo). In this case, the borrower “owns” the asset until you can pay them back at which point you would have settled the debt. Imagine a house and car for ease of reference. Great, still with me right? Good.  Now this is less risky to the borrower because they know there is something they can get should you pull a Payment Houdini. This is why you will generally find that the interest rate is generally lower than Unsecured debt. Now Unsecured Debt on the other hand is given to you without being attached to an asset but as you will find, what is attached to it is your overall credit score and the health of your credit, which if you are younger and don’t pay attention, will negatively affect your future debt needs. i.e buying a house with your beautiful or handsome partner. Unsecured debt can be one of the most dangerous things to your financial well being. Store accounts and credit cards, though useful, have created bigger problems for most people than if they had not gotten it.

What is a Credit rating?

It is a snapshot of your credit history that determines whether you are responsible and dependable at being able to pay off debt. Do you pay debt back late? Do you default (pulling a Houdini)? Here’s the interesting part, there are actually institutions that compile all reports on all your credit transactions. Please help yourself and get to know them. In South Afrcia, they are referred to as credit bureaus. Experian, TransUnion, Compuscan XDS are the four main ones. “Their reports are compiled through information sent to them by credit providers. They highlight and draw upon you’re

• A two-year history of all the credit you’ve applied for

• The credit accounts you have and your payment history with them (including any late or skipped payments)

• Any court judgments or defaults you may have against you

Very important to know. Why? They all affect your standing. And the amount and interest rate you can get.  Before you even look at a house or car, consider the above and do some research. Most credit bureaus rate your credit score between 300 and 850:

• A low score is generally considered to be between 300 and 579

• A fair score is between 580 and 669

• A good score is anything above 700

I can hear what you thinking, “okay Khaya, I get it! How do I build a healthy credit profile?” As has become our financial tango for the last few months, I have a solution. (You’re welcome.)

Building a healthy credit profile”

Read the below, that I “borrowed” from the Investec website. I’ve put the link and reference for you for your convenience

(https://aheadofthecurve.investec.co.za/personal-finance/whos-keeping-score-practical-tips-to-create-a-good-credit-score/ Additional sources: Briefly.co.za; Transunion.co.za, BusinessTech.co.za)

“

• Check your credit report regularly to see that all information is up to date.

• Make repayments on any credit accounts by the due date. A good way to be disciplined in doing this is to set up standing debit orders where the payments are made automatically each month.

• Make sure you pay the full instalments every month. For example, only paying half the instalment one month and then the remaining payment the following month will prejudice your credit score.

• Have a repayment plan you can realistically manage. If you’re struggling to repay your debt each month, try and negotiate a new repayment plan with your credit provider – for example by reducing the monthly repayment amounts while increasing the length of the loan.

• Close any credit accounts that you’re not using, such as store cards from a shop you no longer buy from regularly, or old credit cards.

• Limit the amount of credit you’re using. Aim for a ratio of 35%, where if you have a credit card with a R10 000 credit limit, you aim to keep the balance at R3 500 or less on any given month.

• Avoid too much unsecured debt: Secured loans like a home or car loan are always preferable to unsecured loans, so make sure that the balance is weighted this way in your financial portfolio.”

The importance of managing your debt (which we went through on last months issue) is by far the major factor in solving  what we have looked at today. Essentially at all stages of life, whether to begin your financial journey or to navigate the position you are in currently, it is highly likely that you will require debt. And because you understand this is true, the information above has not only been vital to give you a birds eye view of what you will need but has also added a strong sense of desire in you now choosing to find out how you can better help yourself. Yes, through this articles and future articles to come. The more you read these words again and again the more it becomes clear to you that being in control of seeking the right advice is paramount! I will see you again next month.

There are four main credit bureaus in South Africa: Experian, TransUnion, Compuscan XDS. Every month, credit providers send transaction details to these bureaus, who then compile the information into a credit report, consisting of a consumer’s credit history and habits.

When you apply for credit, the financial institution you’re applying through will pull a credit report from one of these four bureaus. The report typically includes:

• A two-year history of all the credit you’ve applied for

• The credit accounts you have and your payment history with them (including any late or skipped payments)

• Any court judgments or defaults you may have against you

There are two types of credit: secured credit means borrowing against an asset such as a home or a car, while unsecured credit includes things like store cards, credit cards or personal loans.

A credit report is a snapshot of your financial behaviour that reflects how you manage your debt and reflects how much of a credit risk you’re likely to be.

Most credit bureaus rate your credit score between 300 and 850:

• A low score is generally considered to be between 300 and 579

• A fair score is between 580 and 669

• A good score is anything above 700

It’s worth noting that credit providers will also look at other factors. like your debt to income ratio – so even if you have a good credit score, a high level of debt can negatively affect your credit risk.

How can you build credit?

Having a good credit rating can save you money in the long run, as you’re likely to be offered a good interest repayment rate.

Since financial institutions consider how long you’ve had access to credit for, not having any or enough credit can affect your rating and overall score. So, how can you build good credit? Here are five possible ways to start building credit if you have not held credit in the past:

• Apply for a credit card or loan with your bank with whom you already have a savings, cheque or current account

• Get a retail credit card, such as an account with a clothing store

• Open a joint account with your spouse or partner as the co-signer (you could ask your parents if you are single)

• Increase your existing credit limit

• Maintain a healthy mix between unsecured and secured credit

Here are some guidelines for doing this:

• Remedy any negative listings: If you have any defaults or judgments against you, settle these outstanding amounts as soon as you can. After this is done, make sure that you get proof of settlement, which you can then use to clear the negative listing with the relevant credit bureau.

• Check your credit report regularly to see that all information is up to date.

• Make repayments on any credit accounts by the due date. A good way to be disciplined in doing this is to set up standing debit orders where the payments are made automatically each month.

• Make sure you pay the full instalments every month. For example, only paying half the instalment one month and then the remaining payment the following month will prejudice your credit score.

• Have a repayment plan you can realistically manage. If you’re struggling to repay your debt each month, try and negotiate a new repayment plan with your credit provider – for example by reducing the monthly repayment amounts while increasing the length of the loan.

• Close any credit accounts that you’re not using, such as store cards from a shop you no longer buy from regularly, or old credit cards.

• Reduce your overall credit balance as much as possible. If, for example, you receive an unexpected lump sum or a bonus at the end of the year, use part or all of it to reduce the overall credit amount that you owe.

• Limit the amount of credit you’re using. Aim for a ratio of 35%, where if you have a credit card with a R10 000 credit limit, you aim to keep the balance at R3 500 or less on any given month.

• Limit the number of credit applications you make. Keep in mind that your credit report shows how many credit applications you’ve made in the last two years. It may sound counterintuitive, but if you shop around for too much credit at once, it may look like you’re struggling to manage the amount of debt you currently have.

• Avoid too much unsecured debt: Secured loans like a home or car loan are always preferable to unsecured loans, so make sure that the balance is weighted this way in your financial portfolio.

Editors' Note | Youff Mag Mar 20

Hope & Zisto

We can’t believe it’s been a whole year since the coronavirus vaccine rocked the world. If anything, the last 12 months have shown us just how precious life is and that all we have is today because tomorrow isn’t guaranteed. It also taught us to be grateful for what we do have and of course our frontline workers. Man, these men and women who have been dealing with patients first hand and putting their lives at risk are truly remarkable. Which is why this issue is the Frontline issue. We sat down with a team of doctors and found out how the pandemic has impacted them, the learnings they got from this devastating virus and found out more regarding the coronavirus vaccine.

Not only are they doctors but they are young black doctors. As the youff family, we just want to thank all health workers for their selfless service and efforts. They inspire us and we hope that as the youth you are also inspired to make the most of whatever field or career you choose to follow. Here’s to defeating the odds. God bless you and your families at these times and as much as we are on Level 1, don’t stop taking extra precautions and stay safe.

Love,

Hope and Zisto

Editors-in-Chief

The Youtubers: Skits by Sphe & Dawud | Youff Feature

Creators Corner!

Durban top YouTuber’s talk content creation and making it to the top! Skits by Sphe and Dawud

Phungula give us a glimpse of the life of being a creative.

YouTube has seen an influx of ‘||SA YouTuber’ uploading content on their

platform, but what sets these two channels apart from the rest is the amount of success they

have garnered in a short space of time. With Dawud sitting at just over 60k subscribers and

Sphe at a spectacular 210K subscribers, and both doing it in vernac, it is no doubt that they

deserved to be the cover stars for the Digital era.

Skits by Sphe

KwaDengezi,24-year-old Youtuber, Skits by Sphe, started creating content during college days

after drawing inspiration from a friend of his and a crush. Unluckily, he didn’t get the girl but

secured the bag by becoming an online sensation across Mzansi. His channel focuses mainly

on comedy skits and content in which he wishes to diversify in the near future. “I’ve always been

a class clown, and the skits thing were created in school, it was the easiest route to take.” It is

often rare to have content curators in SA taking it up as a full-time job. However we have seen

this change in the past couple years. With great freedom comes great responsibilities and for

Sphe, it means putting in the work and working through the challenges. “The biggest challenge

when I create content is that I can get 100 000 views on one video, the only get 10 000 on the

next. That is very demotivating. It’s very important to know which content people like to view.”

When Sphe creates content he ensures it’s something his viewers can relate to and resonate

with. “There’s a series called roomza, it’s about student living at Res. It has 25 million views, so

my content is something I’ve been through. I don’t like creating content that I have no

connection with or I can’t relate to.” Sphe has featured the likes of DJ Tira, Babes Wodumo,

Mapintsha and his favorite skits are with actor SK Khoza. Skits by Sphe urges new content

creators/youtubers to make sure to capitalize at every opportunity they may get, especially if

they go viral.

Dawud TV

Dawud Phungula aka the king of south is a graduate from the Durban University of Technology

who delivers entertainment news on his channel, focusing on local music genre, uMaskandi.

Phungula always aspired to be on TV, but due to lack of opportunity in KZN, he paved his own

way to stardom through his YouTube channel. Choosing his niche came with a lot of challenges

but Dawud has mastered his audience and gives them exactly what they want. “My niche is so

controversial! I have to make sure that the content I put out is correct and I do have proof of

what I’m informing my viewers. There’s no room for allegation stories or hearsay. My

subscribers would easily unsubscribe and furthermore tell others to unsubscribe if I’m uncertain

about my sources.” Phungula initially started his channel doing entertainment news in English

but decided to take a break. Upon his return it was harder for him to break into the market as

more YouTubers were producing the same type of content as his. This is what led him to

rebranding. “Changing my brand to focus on Maskandi and presenting in vernac is what makes

my channel stand out as there aren’t a lot of people producing this type of content for the

Maskandi market. Nabantu bayasho ukuthi sike siwabone amaYoutuber kodwa lecontent

oyenzayo nale channel ekanje, siyaqala ukuyibona le,” said Phungula. Phungula advises

content creators to market their content as much as they can. “I use social media platforms, I

have 60k subscribers but I still go to Facebook and ngiphushe into yami!”

Youtube 101 from the guys

Q: what is the YouTube channel starter kit?

Dawud: “We all have smart phones, those smartphones have editing apps. Unless you can

afford, but there’s no need to stress yourself over equipment. Your phone, Kuphelile!

Sphe: “Setting up a YouTube channel, you can do overnight. Maintaining it is expensive,

especially with shooting when you have to offer essentials for the crew. Also uploading the

video is expensive.”

Q: Can I make money on YouTube?

Dawud: “Yes, you need 1000 subscribers and 4000 hours watch time. To give you an estimate,

my first paycheck was R13 000.”

Sphe: “You get paid as much as you create. You need 1000 subscribers and 4000 hours watch

time. You need to qualify first then apply, then you can add ads because that’s how we make

money.”

Q: is there anything else you do besides Youtube?

Dawud: “There's nothing that I do besides YouTube, and I am the bread-winner at home.”

Sphe: “No, I’m a full-time content creator”

Both creators see their brands being named alongside giant media entities and corporations

from across the country.

By: Nontando Mhlongo

Manifest Moment Jan 21 | Youff Mag