The importance of Gap cover, especially for parents-to-be
The importance of Gap cover, especially for parents-to-be

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Moonstone Monitor | 4 March 2021
From the Crow's Nest
Your Practice Made Perfect
Debarments - Don't put your head in the sand
FSCA - Various Exemption Extensions
POPIA - Information Officer plays important role
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Family planning - Gap cover helps beyond birth and every step of the way
Gap cover provides additional protection for medical expense shortfalls that are not covered by medical aid. Tony Singleton of Turnberry Risk Management Solutions explains the importance of Gap cover, especially for parents-to-be, as this should be a time of joy and not of increased stresses as a result of the extra burden of medical shortfalls.
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Debarments – Don't put your head in the sand
In a recent Tribunal case, the FSP adhered to all processes and avenues at its disposal to inform a debarred person of its decision. The representative, using the same email address which was used by the FSP, approached the Tribunal to have the decision reviewed on the grounds that he was never informed.
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FSCA – Various Exemption Extensions
On 26 February 2021, the Financial Sector Conduct Authority (FSCA) released various FSCA FAIS Notices that deals with exemption extensions.
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POPIA - Information Officer plays important role
A good starting point in any POPIA compliance journey is the appointment of an Information Officer for your organisation. But what is the role and obligations of an Information Officer?
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Tough economic conditions fertile soil for criminals - New tactic to watch out for
The Southern African Fraud Prevention Service (SAFPS) has warned consumers to be vigilant against rampant fraud, especially impersonations, which have increased substantially as desperate criminals seek to defraud their victims in a tough economic climate.
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POPIA Specialist: Moonstone Compliance, Stellenbosch. We have a position for a POPIA Specialist. The successful candidate will be appointed as a specialist regarding regulatory compliance and risk management as it pertains to the POPI Act. They will be responsible for the development of a POPIA regulatory compliance service offering, and the building and maintenance of our POPIA client base.
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Student Acquisitions Administrator: Moonstone Business School of Excellence (MBSE), Stellenbosch. We are looking for a candidate who will be responsible for implementing the MBSE Sales Strategy for inbound sales activities, establish contact, develop, and maintain relationships. To qualify for this position you will need a Grade 12 certificate, Call Centre or tele service experience and must have the ability to interact with clients and communicate effectively.
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Administrative Assistant / Relationship Manager: Galileo Capital (Pty) Ltd, Johannesburg. Galileo Capital is looking for a self-managed, self-motivated, and coachable young individual to join as a personal assistant/relationship manager. The role incumbent will work in a team and assist the financial planner and para planner with all administrative tasks in respect of managing client relationships and be responsible for all service requirements from clients.
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The curious case of Ronald Opus

The case was originally told by Don Harper Mills, then president of the American Academy of Forensic Sciences, in a speech at a banquet in 1987. After it began to circulate on the internet as a factual story and attained the status of urban legend, Mills stated that he made it up as an illustrative anecdote "to show how different legal consequences can follow each twist in a homicide inquiry". It is not clear when the date changed, but here is the story.

On March 23, 1994, the medical examiner viewed the body of Ronald Opus and concluded that he died from a shotgun wound to the head.

Mr. Opus had jumped from the top of a 10-story building intending to commit suicide. He left a note to that effect indicating his despondency.

As he fell past the ninth floor, a shotgun blast passed through a window, killing him instantly.

Neither the shooter nor the decedent was aware that a safety net had been installed just below the eighth floor level to protect some building workers. As a result, Ronald Opus would not have been able to complete his suicide the way he had planned.

“Ordinarily,” Dr Mills continued, “a person who sets out to commit suicide and ultimately succeeds even though the mechanism might not be what he intended” is still defined as committing suicide.

That Mr. Opus was shot on the way to what he believed was certain death nine stories below at street level, even though he probably would not have been successful because of the safety net, caused the medical examiner to feel that he had a homicide on his hands.

The room on the ninth floor from where the shotgun blast came was occupied by an elderly man and his wife. They were arguing vigorously, and he was threatening her with a shotgun. The man was so upset that when he pulled the trigger, he completely missed his wife, and the pellets went through the window striking Mr. Opus.

When one intends to kill Subject A but kills Subject B in the attempt, one is guilty of the murder of Subject B.

When confronted with the murder charge, the old man and his wife were both adamant. They both said they thought the shotgun was unloaded. The old man said it was his long-standing habit to threaten his wife with the unloaded shotgun. He had no intention of murdering her. Therefore, the killing of Mr. Opus appeared to be an accident; that is, the gun had been accidentally loaded.

The continuing investigation turned up a witness who saw the old couple’s son loading the shotgun about six weeks prior to the fatal accident. It transpired that the old lady had cut off her son’s financial support, and the son, knowing the propensity of his father to use the shotgun threateningly, loaded the gun with the expectation that his father would shoot his mother.

The case hence became one of murder on the part of the son for the death of Ronald Opus
Now comes the exquisite twist.

Further investigation revealed that the son was in fact Ronald Opus. He had become increasingly despondent over the failure of his attempt to engineer his mother’s murder. This led him to jump off the ten-story building on March 23rd, only to be killed by the shotgun blast passing through the ninth story window.

The son had actually murdered himself, so the medical examiner closed the case as a suicide...

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