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Questions to ask before taking out debt, and is there such a thing as good debt?

Smart Debt or Bad Debt

Many people in South Africa finds themselves in debt: According to a study by the World Bank, 25 million South Africans are in debt. This includes both bad and good debt. According to the National Credit Regulator, 58% of South Africans are struggling to repay their debts. For the financially uneducated person, debt can become a trap.

However according to Billionaire investor Ray Dalio, the founder of Bridgewater Associated, the worlds largest hedge fund, advises people to make clever debt and avoid bad debt. We all know that borrowing money comes at a cost, and therefore the good purchased comes at a higher cost.

Dalio therefore suggests we ask ourselves one question: “Will the debt help you save or earn more money in the future?”

Here are the two types of debt that according to Ray Dalio are smart or good debt:

Debt that forces you to save money over time is another good debt, for example buying a house and paying off the mortgage. This is good because you are accumulating money into an asset you can later sell.

Debt that produces more cash flow than it costs is good, for example taking a loan to complete a degree that will increase your future income. Another example is buying an asset on credit that would replace a continuous and never ending expense. Examples of these are green technology such as solar panels and water recycling equipment. Also do not forget that ENJO also falls into this category. You can now convert your entire home to a chemical free home. This would be a smart move, because you will win in at least two ways:

  • Immediately stop 80-90% of all future expenses on chemicals by investing in ENJO.
  • An average home spends about R600-800 per month on cleaning consumables. On credit a full ENJO conversion of your home will work out about half of your current expenses over a two year period, and after that you will freely clean your home for at least another year before you might need to replace a fibre.

An investment in ENJO would therefore immediately put more money in your pocket, and save you money over your lifetime! Based on Ray Dalio’s criteria this would be a smart way to invest. Ask your ENJOpreneur about our credit options, and start using ENJO.

Here is how a full conversion to ENJO would typically save you money on a credit plan.

The table below compares the cash flow between a full conversion of your home to ENJO on a 24 month credit versus the current status quo of cleaning consumables which are a continuous and never ending expense. Take note that due to interest rate changes, the values could vary slightly.

Difference between ENJO and Normal Cleaning Consumables

Month and DescriptionENJOCleaning ConsumablesSAVING WITH ENJOACCUMULATED SAVINGS
Month 1R3 135.50R650.00(R2 485.50)(R2 485.50)
Month 2R350.00R650.00R300.00(R2 185.50)
Month 3R350.00R650.00R300.00(R1 885.50)
Month 4R350.00R650.00R300.00(R1 585.50)
Month 5R350.00R650.00R300.00(R1 285.50)
Month 6R350.00R650.00R300.00(R985.50)
Month 7R350.00R650.00R300.00(R685.50)
Month 8R350.00R650.00R300.00(R385.50)
Month 9R350.00R650.00R300.00(R85.50)
Month 10R350.00R650.00R300.00R214.50
Month 11R350.00R650.00R300.00R514.50
Month 12R350.00R650.00R300.00R814.50
Month 13R350.00R650.00R300.00R1 114.50
Month 14R350.00R650.00R300.00R1 414.50
Month 15R350.00R650.00R300.00R1 714.50
Month 16R350.00R650.00R300.00R2 014.50
Month 17R350.00R650.00R300.00R2 314.50
Month 18R350.00R650.00R300.00R2 614.50
Month 19R350.00R650.00R300.00R2 914.50
Month 20R350.00R650.00R300.00R3 214.50
Month 21R350.00R650.00R300.00R3 514.50
Month 22R350.00R650.00R300.00R3 814.50
Month 23R350.00R650.00R300.00R4 114.50
Month 24R350.00R650.00R300.00R4 414.50
Month 25R650.00R650.00R5 064.50
Month 26R650.00R650.00R5 714.50
Month 27R650.00R650.00R6 364.50
Month 28R650.00R650.00R7 014.50
Month 29R650.00R650.00R7 664.50
Month 30R650.00R650.00R8 314.50
Month 31R650.00R650.00R8 964.50
Month 32R650.00R650.00R9 614.50
Month 33R650.00R650.00R10 264.50
Month 34R650.00R650.00R10 914.50
Month 35R650.00R650.00R11 564.50
Month 36R650.00R650.00R12 214.50
Converting to ENJO is largely a fixed cost, making you save in the longer term. This table is based on purchasing ENJO using our credit plan. Take note that due to interest rate changes, the values might be slightly different. This table is conservative as it does not take into consideration the 8% inflationary increases in traditional cleaning consumables.

How smart is it really to convert to ENJO?

As you can see, in 24 months (2 years) you would have stopped your monthly expenses on cleaning consumables, saving every month thereafter. Over a three year period you could save a whopping R12 000 if you currently spend on average R650 per month on your current cleaning consumables in your home.

What do you think Ray Dalio would advice you to do?

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Top 9 tips for better hygiene and a healthy and safe home and office environment

The University of Canterbury did a study between the use of Chemicals and ENJO, and from their research we have identified the top nine tips for a healthier and more hygienic lifestyle.

Tip 1: Dry your hands after washing

A major pathogen source leading to ill health is incorrectly prepared or stored food – improperly cooked, stored at wrong temperatures or too high pH (not acidic enough). Cleaning with chemicals will not reduce this source of illness. Hands are pathogen sources too. Good hand hygiene – ie: washing with soap and water for long enough, using a nail brush and drying thoroughly – is a major way to avoid illnesses. Antibacterial hand washes are virtually useless (you could say “99.9% useless”!)

Tip 2: Disinfection and cleaning with chemicals is not necessary and not recommended.

Disinfection of surfaces is not necessary except in operating theatres and hospital wards with high risk patients such as: after surgery, during intensive cancer treatment, or patients with serious, infectious illnesses. Disinfection and cleaning with chemicals is therefore not recommended as it is causing antibiotic resistance – a profound problem for mankind.

Tip 3: Don’t kill bacteria.

Disinfecting with chemicals kills all bacteria, including beneficial and commensal bacteria. This is harmful to our health as there are many strains of bacteria which we need in order to stay healthy. Tolerogenic gut bacteria are vital for proper brain development, immune function and nutrient production (eg: B12). Lack of tolerogenic organisms leads to diseases such as asthma,food allergies, rheumatoid arthritis, inflammatory bowel disease and lupus. Research into tolerogenic organisms is just opening up – we barely know anything about them.

Tip 4: Keep it dry!

In “clean” but moist environments, bacteria re-grow very fast. Keeping everything dry (surfaces, cloths, hands) prevents bacterial re-grow, including pathogenic bacteria. Moist environments also lead to growth of fungal and bacterial spores, which are a serious health risk (there are plenty of alarming, current articles about this).

Tip 5: Don’t strain yourself with cleaning chemicals.

Cleaning chemicals have been linked to respiratory illnesses (eg: asthma), allergic reactions (eg: dermatitis), cancer (xenoestrogens), DNA damage, birth defects and the feminizing of boys in utero. Also, using fibre cleaning products is less of a physical strain than using conventional cloths for wiping and cleaning, eg: back strain through floor mopping or repetitive strain injury (RSI) from washing surfaces – a problem for commercial cleaners.

Tip 6: Appreciate long term and generational health effects of chemicals.

Chemicals undergo risk assessments singly, however mixtures of chemicals are more potent than single chemicals, in lower exposures. Volatile organic compounds (VOCs) are under-appreciated as sources of chemical caused illnesses. The exposure of children to chemicals in utero, and through breast milk have also not been fully appreciated. Studies hav proven that chemicals can therefore be transferred from mother to her unborn baby.

Tip 7: Keep the natural environment clean.

Cleaning chemicals pollute the environment directly (in waterways, streams, etc) and indirectly by bottles used for storage, transport, etc. Simple eco-friendly test: If you can’t pour your cleaner in a fish bowl, don’t use it. Chemicals and plastics usually end up in rivers, streams and the ocean after we have used it.

Tip 8: Invest in proper quality fibre and eco-friendly alternatives.

University of Canterbury’s experiment and many experiments in academic literature, demonstrate that fibre cleaning products can clean as well as chemicals, if not better, using only water.

Tip 9: Fibre cleaning products are cheaper.

According to calculations made by ENJO on the average cleaning chemical use, per family, per year – using ENJO fibre cleaning products works out cheaper and more productive than buying cleaning chemicals and detergents, cloths and associated cleaning items. Many companies using ENJO report long term labour savings of up to 50%, and cost savings on cleaning products of between 30 and 40%.

Why the Trial between Chemicals and ENJO?

University of Canterbury covers 87 ha of suburban land in Christchurch, it has 240 buildings and 120 cleaning staff. There is an effort to green up their cleaning, although to date this has focused on choosing, for example, ‘biodegradable’ chemicals where possible, however non-chemical cleaning features in their draft Sustainability

Strategy 2012-2022. Hence they decided to allocate resources to a Summer Sustainability Scholarship to research the efficacy of fibre technology as compared to their current cleaning practice.

A Brief Overview of the Trial

The primary objective of this project was to do microbiological sampling in a real setting, to see if there was any difference in bacterial and fungal loadings, after two daily cleaning regimes. The two cleaning regimes were, firstly the University of Canterbury’s current regime which uses standard cleaning products containing chemical cleaning agents and disinfectants and secondly, a regime which used only fibre-based cleaning products (using ENJO fibres). The samples were taken on two floors of the English Building at the University of Canterbury.

The major find was that there was no significant difference in bacterial or fungal loadings between the two cleaning regimes. There is an increasing body of evidence which highlights how the routine use of harsh cleaning products and disinfectants is having serious adverse affects on the environment, on biota and on people. The adverse effects on people include DNA damage, brain and immune system impairment, asthma and allergic reactions to products. Because routine use of harsh cleaning and disinfecting chemicals is not necessary and because they have serious adverse effects, we should be questioning our use of them.

Information sourced from: ‘A Report and Practical Microbiological Experiment for the Sustainability Office, University of Canterbury’ – Kate Henry, 2011

Why is this important?

  • From a top university – University of Canterbury is in the top 200 universities worldwide

  • FULL Scientific study

  • 9 swabs/2 sites/ 2 floors/ 2 x weekly

  • No difference between chemicals and ENJO

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Removing versus Killing Germs

What do you prefer? Removing germs or killing them? Perhaps it is better to remove them, don’t you think? Lets quickly analyse this.

Lets say we kill the germs and bacteria with the strongest chemicals we can find. As you will note, on the store bought cleaners it is often advertised that 99.9% of germs are killed. Ok, so that leaves 0.1% of germs alive. Does not sound that bad, does it? That 0.1% of germs or bacteria may have been exposed to the chemicals, and did not die. That is one of the ways in which bacteria begins to become immune to the chemicals. So chemical manufacturers have to make stronger chemicals. Lets say we don’t care about that for now, so that leaves us with the 99.9% dead bacteria. Where are they after they are killed?

Normally when we spray our chemical cleaner on a surface, we wipe with a cloth. We assume that it wipes it away, don’t we? Well, some of it is wiped away; some are still on the surface. If you recall the study by Dr Dingle, the cloth being used and the method used to clean makes a big difference. To clean properly with chemicals, you have to leave your chemicals after spraying the surface for at least 30 mins before wiping. Even after wiping a large number of bacteria (although dead) will remain there. It is a perfect breeding ground for the 0.1% bacteria not being killed and new bacteria being added, because you left some food out with your cloth!

Ok, now your surface is a morgue with bacteria lying there. There is also a chemical layer that becomes sticky. Yes chemical cleaners are sticky. These cleaners now attract dust and other dirt like bacteria. That is why Dr Dingle and his team found that after 6 hours, your surface is no longer clean, and on the other hand that the ENJO surface is still clean.

Ok, that did not sound nice, but what happens with the bacteria cleaned with the ENJOtex fiber? ENJOtex fibers has a bigger surface area. It is basic science and mathematics. Each fiber is a 100th the size of a hair. These fibers are also much longer than the store bought microfibers and cloths. Having longer and finer fibers, ensures that firstly, the fibers enters the smallest of holes on the surface you clean, removing the bacteria from there. The long fibers add to the surface area, absorbing more bacteria than a normal cloth.

Now think about it, as it is very logical:

  • Longer fibers, gives us a bigger surface area for the cloth, even though it is smaller than a normal store bought cloth or microfiber.

  • Finer and longer fibers enter smaller holes, than other cloths can, cleaning it out.

  • Fibers are more absorbent and robust.

So that brings us to these benefits:

  • We clean faster, because the fiber is ergonomically designed, more absorbent, and reach into areas normal cloths don’t. Due to the absorbency and design of the ENJOtex fibers, you have fewer trips to the basin, in so much that you can clean a 100 square metre floor without rinsing your floor fiber!

  • We clean cleaner, because the fibers are more absorbent, and reach into those small areas, without leaving a sticky residue (we only clean with water.

  • ENJO is healthier to use, as there are no chemical fumes that enters your lungs and blood stream, that can cause all kinds of future illnesses and allergies such as asthma!

So where are the bacteria then?

Well, they are absorbed in the ENJOtex fibers. They are released into the drain when you rinse or wash your ENJOtex fibers with warm water. The fibers release the bacteria at 60 degrees Celsius! So the bacteria go into your sewerage system, where they are actually useful, and which chemicals that you wash down in your drain actually damage.

Therefore ENJO has an advantage in terms of environmentally friendliness inside your own home, as well as within the ecosystem, which chemical cleaners do not have. And besides, your home will be 6x cleaner, and will stay cleaner for longer due to no sticky residue being left over!

Note: It takes ENJO approximately a month of regular and continued use to remove all the layers of the chemicals you had used in your home over the years!

So who are ENJO very good for:

  • Everyone, including,

  • Pregnant woman,

  • People suffering from allergies and asthma

  • People who care for the health of their families

  • People who care for the environment

  • People who want a cleaner clean

  • People who have housekeepers, and they care for their health and safety

So do you still want to kill germs?

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Are you exposing your unborn to toxic chemicals?

Over 70 years we have experienced a dramatic increase to the exposure of toxic chemicals within our environments, including the home (Sutton, 2012). A study by Currie and Schmieder (2008) had found over 232 chemicals in the umbilical cord of infants that may have lifelong consequences. In a separate study by Sutton (2012) found that every pregnant woman are exposed to toxic chemicals due to their environment. Thus preventing environmental exposure to chemicals should reduce the number of chemicals transferred to the unborn child.

According to these studies the toxic chemicals in our environment has several sources, including what we eat, such as processed foods. However, other factors may be out of our control such as air pollution caused by industries in the area or working environment contributes the toxic chemical exposure. Having said that, one of the most important ways in which we are exposed to toxic chemicals are our cleaning habits.

Yes that is correct, we induce our own intoxication through the chemicals we use to clean our homes. In fact, if you can smell it, you have inhaled it, and the chemical molecules are entering your body, often crossing the placenta to the unborn baby.  Besides the health risks it yields to the adults in the home, there are a myriad health risks to the infant.

Several fertility risks had been identified by Sutton (2012) and these risks includes a decline in the age of reaching puberty, a declines in fertility and fecundity of the child reaching adulthood; increased rates of poor birth outcomes such as babies born prematurely or stillborn babies, small for gestational age, and with certain birth defects.

Health risks that increases with toxic chemical exposure as indicated by Sutton (2012) are the increased rates of childhood diseases such as autism, certain types of cancer, and obesity; and declines in life expectancy with some communities having life expectancies already well behind those of the best-performing nations.

Currently our workplaces, homes and shopping centres contains high concentrations of toxic chemicals, exposing ourselves, families and children. At least we have control over what we use in our homes and what we put into our bodies and the bodies of our children. Here are few examples of what we can do:

  • Use BPA free plastic containers (such as baby bottles)

  • Buy and eat organic (pesticides used on crops enter the produce, and therefore your body by eating it)

  • Only use natural cleaning products (where you reduce toxic chemicals, such as ENJO Fibres)

  • Switch over to natural brands of toiletries such as shampoo and toothpaste (Environmental Working Group has a List)

  • Avoid using artificial air fresheners, dryer sheets, fabric softeners, or other synthetic fragrances

The above list is by no means exhaustive, but should help you as mother to reduce toxic chemical exposure to your baby. Watch the following video that will elaborate the “toxic home syndrome” that were broadcasted in Australia

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It all began in Spring 1985…

The ENJO success story began in Spring 1985 when Friedrich Engl, a pragmatic, inventive person, who was constantly creating new business ideas, witnessed a large oil spill on the waters of Lake Constance, whose shoreline forms the borders of Austria, Switzerland and Germany. AS he watched the local fire brigade’s arduous endeavours to remove the envornmentally damaging oil slick he came to the conclusion that there must be a better way of tackling such messy accidents, not only in a sensitive “tourist” locations but in many other situations, for example: in the factory, office and in the home.

Having had many years of practical experience in the textile industry, Friedrich began to develop a solution that would solve the problem without having to rely upon additional input such as corrosive chemicals or damaging detergents. After five years of extensive product refinement and market testing, his vision had evolved into a technologically advanced matrix of woven fabric. At first sight, what appears to be a simple “cloth” is in fact an ultra effective and efficient, environmentally-friendly, cleaning tool.

At that time, the founder of ENJO, Friedich’s son, Johannes Engl, was working as a chef, but his father’s infectious enthusiasm encouraged Johannes, to dramatically change careers. He began to demonstrate this new product to people he knows in the catering industry.

That very first afternoon, he had sold 7 “cleaning gloves” and was indeed very proud of his “sales” achievement. To his genuine surprise his customers were extremely enthusiastic about the gloves’ performance – reporting significant savings in both the time taken to clean up messy spills and the reduction in the cost of their cleaning materials.

Encouraged by this early success and his girlfriend’s 100% support (she later became his wife), they experienced rapid growth. Soon, they were supplying a network of customers from their personal contacts in the manufacturing and hospitality industries.

As the humble ‘cloth’ started to attract a much broader audience, both his mother and wife found themselves sewing for hours, producing cleaning gloves made out of his father’s extraordinary material.

By 1990, many different marketing techniques had been tested throughout the whole of Austria. What became immediately apparent was that the truly remarkable cleaning capability of our ‘cloth’ had to be personally demonstrated to be believed and loved.

Initially Johannes had grave reservations about the prospect of direct marketing which in the eyes of most domestic consumers federated all the wrong perceptions re expensive poor quality products from ‘here today – gone tomorrow’ suppliers.

Nonetheless, he was absolutely convinced and determined that the ‘personal demonstration’ was the right route for our products, so he started to develop an ‘ENJO’ way of doing it right – with honesty and integrity!

It is now 31 years later, and ENJO South Africa aim to build forth on the foundation of ‘honesty and integrity’ played down by Johannes, and well established by each and every ENJO distributor in over 20 countries!

ENJO South Africa intent to create lucrative business opportunities for savvy women and men, who wish for a flexible work environment, where they are in control of their own earnings and performances.

This short video will present to you briefly the manufacturing of ENJO products.

Around the world our ENJO Consultants, dubbed ENJOpreneurs are organising their time around their family, creating a healthy family environment!

They do this not only by removing chemicals from their own homes, but also create a career and a business helping others to remove the harmful chemicals and soaps used for cleaning from their homes.

The story of Fiona Edwards, ENJOpreneur

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