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01 April 2021 | Story Dr Nitha Ramnath | Photo Supplied
Back: Dr Nico Keyser (editor), Dr Ivan van der Merwe. Front: Minette Weideman (Portfolio Manager at Levevis Investment and Consulting Services), Melanie Ferreira (Business Development Manager at Allan Gray), Dr Cecile Duvenhage (editor) and Lizelle Jansen van Rensburg (Lecturer). Dr Jesse de Beer (Lecturer at University of Namibia) was absent.
Two lecturers from the Department of Economics and Finance at the University of the Free State (UFS) teamed up with alumni – who were once students in their department – to write a book on personal finance. This book is the latest hands-on application of the theory in practice.

“From the book it is evident how our alumni – who once were learners – became educators and contributed to teaching and learning,” says Dr Cecile Duvenhage, Lecturer in the Department of Economics and Finance, about the book Personal Finance. The desire to write this book stems from previous studies done by Dr Duvenhage and Dr Nico Keyser, Senior Lecturer, on the financial literacy levels among young adults. 

One such study was published in the Journal of Psychology in Africa (29(4):460-465). According to the study, young adults lack the basic understanding of financial aspects. Theory can be learned by heart, but the understanding and execution of well-informed financial decisions need to be addressed. Thus, the book was written in such a way that it is easy to understand, and with the aim of changing financial behaviour and attitude in a positive manner. The book provides useful websites and appendices for additional information and reading, and is aimed at the man on the street, researchers, and practitioners. 

Acording to the authors, during the writing of the book in 2020, new challenges arose, including the dramatic impact of COVID-19 on the financial market, and these aspects were included during the final stages and editing of this book. 

“Why personal finance? ‘Money makes the world go round’, the saying goes. Good financial decision making has a positive influence on overall well-being, allowing people to maximise their opportunities and lead more fulfilling lives. Personal finance teaches individuals financial skills so that they can manage their money better. The subject, Personal finance, is an interdisciplinary subject and encompasses many areas and core topics such as decision making, cash-flow management, savings, credit, debt, housing, and planning for the future.” 

Personal Finance (first edition) was published by Van Schaik Publishers and has been available from leading bookshops since the end of December 2020.  All chapters were critically reviewed by three (3) university lecturers and a qualified editorial panel.

News Archive

Sunflowers are satellite dishes for sunshine, or are they?
2016-07-20

Eighty-six percent of South Africa’s
sunflowers are produced in the
Free State and North West provinces.

Helen Mirren, the English actress, said “the sunflower is like a satellite dish for sunshine”. However, researchers at the University of the Free State (UFS) have found that too much of this sunshine could have a negative effect on the growth of sunflowers, which are a major source of oil in South Africa.

According to Dr Gert Ceronio from the Department of Soil, Crop, and Climate Sciences at the UFS, extremely high soil temperatures play a definite role in the sprouting of sunflower seedlings. Together with Lize Henning, professional officer in the department, and Dr André Nel from the Agricultural Research Council, he is doing research on biotic and abiotic factors that could have an impact on sunflowers.

Description: Sonneblom 2 Tags: Sonneblom 2

Various degrees of deformity (bad-left
to none-right) in seedlings of the same
cultivar at very high soil temperatures.
Photo: Dr Gert Ceronio

Impact of high temperatures on sunflower production

The Free State and North West provinces, which produce 86% of South Africa’s sunflowers, are afflicted especially by high summer temperatures that lead to extremely high soil temperatures.

Dr Ceronio says: “Although sunflower seeds are able to germinate at temperatures from as low as 4°C to as high as 41°C, soil temperatures of 35°C and higher could have a negative effect on the vegetative faculty of sunflower seedlings, and could have an adverse effect on the percentage of sunflowers that germinate. From the end of November until mid-January, this is a common phenomenon in the sandy soil of the Free State and North West provinces. Soil temperatures can easily exceed the critical temperature of 43°C, which can lead to poor germination and even the replanting of sunflowers.”

Since temperature have a huge impact not only on the germination of sunflower seeds, but also on the vegetative faculty and sprouting of sunflower seedlings, Dr Ceronio suggests that sunflowers should be planted in soil with soil temperatures of 22 to 30°C. Planting is usually done in October and early November. Unfortunately, this is not always possible, as soil moisture is not optimal for growth. Farmers are then compelled to plant sunflowers later.

Impact of herbicides on sunflower growth

“High soil temperatures, combined with the herbicide sensitivity of some cultivars, could lead to the poor development of seedlings," says Dr Ceronio.

The use of herbicides, such as ALACHLOR, for the control of weeds in sunflowers is common practice in sunflower production. It has already been determined that ALACHLOR could still have a damaging effect on the seedlings of some cultivars during germination and sprouting, even at recommended application dosages.

“The purpose of the continued research is to establish the sensitivity of sunflower cultivars to ALACHLOR when exposed to high soil temperatures,” says Dr Ceronio.

 

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