1.1.1  B √ Remembering, easy (Focus, p. 165; Successful, p. 181) (1)
1.1.2  A √ Remembering, easy (Focus, p. 163; Successful, p. 180) (1)
1.1.3  D √ Remembering, easy (Focus, p. 161; Successful, p. 177) (1)
1.1.4  C √ Understanding, easy (Focus, p. 77; Successful, p. 91) (1)
1.1.5  B √ Remembering, easy (Focus, p. 73; Successful, p. 82) (1)
1.1.6  D √ Remembering, easy (Focus, p. 94; Successful, p. 114) (1)
1.1.7  A √ Remembering, easy (Focus, p. 90; Successful, p. 106) (1)
1.1.8  D √ Remembering, easy (Focus, p. 106; Successful, p.128) (1)
1.1.9  C √ Remembering, easy (Focus, p. 57; Successful, p. 61) (1)
1.1.10 B √ Applying, moderate (Focus, p. 59; Successful, p. 62) (1)
1.1.11 A √ Remembering, easy (Focus, p. 126; Successful, p. 144) (1)
1.1.12  C √ Understanding, moderate (Focus, p.136; Successful, p.151) (1)
1.1.13  D √ Understanding, moderate (Focus, p.148; Successful, p.163) (1)
1.1.14  B √ Understanding, easy (Focus, p.134; Successful, p. 155) (1)
1.1.15  C √ Remembering, easy (Focus, p. 167; Successful, p. 184) (1)
1.1.16  A √ Understanding, moderate (Focus, p. 13; Successful, p. 19) (1) 
1.1.17  B √ Understanding, moderate (Focus, p. 21; Successful, p. 24) (1)
1.1.18  C √ Understanding, easy (Focus, p. 25; Successful, p. 25) (1)
1.1.19  D √ Understanding, moderate (Focus, p. 25; Successful, p.25) (1)
1.1.20  B √ Understanding, moderate (Focus, p. 35; Successful, p.35) (1)

1.2.1 C √  vii √  (Focus, p. 76; Successful, p. 90) (2)
1.2.2 B √ v √  (Focus, p. 72; Successful, p. 81) (2)
1.2.3 D √ i √  (Focus, p. 79; Successful, p. 93) (2)
1.2.4 E √ vi √  (Focus, p. 79; Successful, p. 92) (2)

1.3.1 Full title/freehold ownership √ (Foc, p. 121; Suc, p. 139) (1)
1.3.2 Transfer duties/duty√ (Foc, p. 128; Suc, p. 146) (1)
1.3.3 Title deed√ (Foc, p. 128; Suc, p.146) (1)
1.3.4 Initiation fees √ (Foc, p. 127; Suc, p.146) (1)
1.3.5 Bond/mortgage protection (insurance) √ (Foc, p. 128; Suc, p. 145) (1)
1.3.6 Home owner's (comprehensive) insurance √ (Foc, p. 127; Suc, p. 145) (1)
1.3.7 Fixed interest rate√ (Foc, p. 127; Suc, p 145) (1)
Remembering, easy

B √
D √
E √
F √
I √ (5)
Understanding, moderate (Successful, page 49–50, Focus, page 50–51)



  • The consumer price index (CPI) shows/measures a change in the price/cost√ of a group of products and services√ over a specific period.√ (Any 2)(2)
    Remembering, easy (Focus, page 167; Successful, page 185)


  • The price of bread and cereals increased as a result of the drought in the second half of 2013.√
  •  The price of poultry increased as a result of the increase in the price of maize.√/Chickens eat maize/mealies and that lead to an increase in the price of poultry.√
  • The price of fruit and vegetables increased because the abnormal high rainfall/floods lead to shortages and therefore sharp price increases.√
  • Transport costs influence delivery charges√ to rural areas which contributed to the increased prices of the three food categories (bread and cereals, vegetables, poultry).
    (Any 4) (4)
    Understanding, moderate (From extract, Focus, page 167; Successful, page 185)

2.2.1 Toilet flushing

  • Place a plastic bottle filled with water or a brick into the cistern√ to reduce the amount of water per flush.
  • Install a dual-flush toilet that uses less water to flush liquids.√
  • Make sure the toilet doesn't leak.√
  • After flushing, lift the handle to stop unnecessary flushing.√
  • Use grey water to flush toilet. √ (Any 2) (2)

2.2.2 Gardening

  • Plant indigenous and water-wise plants√ which require less water.
  • Install a rainwater tank√ and use the water for watering the garden.
  • Recycle grey water√ from the washing machine/basins/ shower/bath to water the garden/plants. (Any 2) (2)
    Understanding, moderate (Focus, page 180–181; Successful page 199)


Criteria Pyramid scheme Multilevel marketing scheme
Source of income Payments for enrolling other people into the scheme √ Supply real investment/sells products/services to the public.√
Status in South Africa Pyramid schemes are illegal.√ Multilevel schemes are legal.√


Understanding, moderate (Focus, page 162; Successful, page 178, 179
NOTE: Learners must make a comparison. TWO marks for illegal pyramid scheme and TWO marks for a legal tiered-level/multilevel marketing scheme.


Pay off high-interest bearing debt:

  • Consumers will not have to pay the high interest if debt is paid off.√ Consumers will then have more disposable income.√
  • An increase in the interest rate√ can result in more money to be paid if money is borrowed in January.√

Pay next year's school fees:

  • When paying off school fees in advance, most schools give a discount.√ This leaves consumers with extra money that can be used for other necessities.√

Pay extra on your home loans:

  • Paying extra on your home loan reduces the number of instalments to be paid√ and the amount of interest that must be paid on the outstanding home loan balance.√

Share holidays accommodation and food expenses with family or friends:

  • If every family contributes when holiday accommodation is shared, it reduces every family's cost for accommodation√ and water and electricity.√
  • If families buy food together when on holiday, they can buy in bulk and this is normally cheaper√which leaves each family with more money for January.√ (Any 3 x 2) (6)

Analysing, difficult (Focus, page 167–168; Successful, page 184–186)



  • Bacillary dysentery is spread through contact with faeces of an infected person.√ This can happen through food, water.
  • Flies may also play a role in transmitting the bacteria.√
  • It could be contracted by swimming in infected water.√
  • Amoebic dysentery is passed on if hygiene/sanitation is poor√ and when contaminated food and drinks are consumed without adequate cooking or boiling.√
  • Can spread through salad washed with contaminated water.√
  • Not washing hands after using public toilets.√ (Any 5) (5)
    Remembering, easy (Focus, page 90; Successful, page 107)


  • Stay hydrated/drink safe chlorinated/boiled water.√
  • Oral rehydration fluids must be taken to replace loss of fluid and electrolytes.√
  • Dysentery caused by Shigella bacteria can be treated with antibiotics.√
  • Medication can be taken for amoebic dysentery. (Any 3) (3)
    Remembering, easy (Focus, page 90; Successful, page 10)


  • Excessive/too much salt intake√
  • Consuming too much fat/refined carbohydrates/over indulgence leads to overweight or obesity√
  • Excessive/too much alcohol√
  • Insufficient intake of dairy, fruit and vegetables (calcium, potassium and magnesium)√ (Any 3)(3)
    Remembering, easy (Focus, page 77; Successful, page 87)

High blood pressure is known as the silent killer√ as there are no warning signs or symptoms.√ Uncontrolled high blood pressure can lead to a heart attack/ stroke/kidney failure/damage to the eyesight.√ If people do not test their blood pressure, they will not know that they have the condition and may suffer the consequences.√ If people test their blood pressure, they will know if they have high blood pressure and can then make lifestyle changes/exercise more/stop smoking/make dietary changes.√
(Any 3) (3)
Understanding, easy (Focus, page 77; Successful, page 87)
NOTE: If a paragraph format is not used, ONE mark will be deducted.


  • Anorexia√
  • She thinks her son is starving√
  • He has become thin/comes home so thin/constantly lose weight√
  • Starving√ and being very thin√ are characteristics of the disorder. (3)
    (NOTE: ONE mark must be allocated for anorexia and TWO marks for reasons.)
    Understanding, moderate (Focus, page 82; Successful, page 94)


  • Asthma√
  • Skin rashes√
  • Swelling√
  • Itching/running nose√
  • It can possibly cause hyperactivity in some children.√ (Any 3) (3)
    Understanding, moderate (Focus, page 95; Successful, page 113)


  • Allergens are food proteins/substances√ that cause/trigger an allergic reaction/response if consumed.√ (2)
    Remembering, easy, (Focus, page 79, Successful, page 92)


  • There is gluten in the crumbs (contain wheat flour)√ and in the batter (contains wheat starch).√ (2)
    Understanding, easy (Focus, page 81; Successful, page 93)


  • The herbs and spices were irradiated as they may contain an unacceptably/very high bacterial load.√
  • They must be irradiated to prevent them from contaminating the fishcakes/foods to which they are added. OR If the herbs and spices are not treated, the fish cakes/all food to which they are added also become contaminated.√ (2)
    Understanding, easy (Focus, page 105; Successful, p 128)


  • The preservative/potassium sorbate prolongs/lengthens the shelf-life√ of the crème fraiche by protecting it against deterioration caused by micro-organisms/inhibiting/retarding/ preventing/slowing down growth of micro-organisms/spoilage caused by micro-organisms.√ (2)
    Understanding, moderate (Focus, page 113; Successful, page 94)


  • Baking is beneficial for an obese person as no extra fat/oil√ is added.
  • This means that no extra energy/kilojoules√ are added.
  • Reducing/restricting the intake of fat/energy/kilojoules assist with weight loss.√ (Any 2) (2)
    Applying, moderate (Focus, page 83; Successful, page 98)


  • The saturated fat content in the fishcakes is low √
    (2,5 g/100 g or 2 g/80 g). Fat, especially saturated fat, should be decreased/restricted/used sparingly√ as it causes an increase in low-density lipoprotein (LDL).√
  • The fish cakes have a low trans fat content√ (0,1 g/100 g or 0,1 g/80 g). The intake of trans fat should be restricted√as they raise the low-density lipoprotein (LDL)-cholesterol levels √which increase the risk of coronary heart disease.√
  • The fish cakes have a high unsaturated fat content√ (mono-unsaturated fat: 5,8 g/100 g or 4,6 g/80 g and polyunsaturated fat: 2,2 g/100 g or 1,8 g/80 g) that will increase high-density lipoprotein (HDL) and lower the blood-cholesterol levels.√
  • The fish cakes are high in omega 3 fatty acids (578 mg/100 g or 462 mg/80 g).√Omega 3 fatty acids will help to reduce blood cholesterol levels/protect the heart and blood vessels√.
  • The fish cakes have a low cholesterol content √(36 g/100 g or 29 mg/80 g).The intake of foods high in cholesterol should be limited.√
  • The fish cakes contain a moderate amount of fibre√ (2,9 g/100 g or 2,3 g/80 g). Fibre has a cholesterol-lowering effect.√
  • Obesity is a risk factor for coronary heart disease.√ A reduced intake of fat will assist with weight loss√ and an increased intake of fibre will assist with weight loss.√
  • The fish cakes contain no sugar,√ which will help with weight loss.√
  • The fish cakes contain a moderate amount of sodium (338 mg/100 g or 270 mg/80 g).√High blood pressure is a risk factor for coronary heart disease.√ Salt/Sodium must be restricted/used sparingly to manage high blood pressure.√ (Any 9)
  • Conclusion: The fish cakes are suitable for the management of coronary heart disease because they are baked and not fried/have nutrients that will benefit a person with coronary heart disease.√ (1)
    Evaluating, difficult (Focus, page 73–75, page 77; Successful, page 83–85)
    NOTE: The conclusion could also be at the start of the learner's response.



  • The original manufacturers lose income/sales.√
  • The image of the brand is harmed/negatively affected.√
  • Consumers may lose faith in brands.√
  • It prevents the registered trademark owners from entering the markets where pirate brands are popular.√
  • It disadvantages retailers selling legitimate products, resulting in lower income/sales, √ which may lead to actual job losses.√
  • It deprives national economies of custom duties and tax revenues.√
  • There is no competition in the market.√ (Any 3) (3)
    Remembering, moderate (Focus, page 64; Successful, page 72)


  • The fashion is introduced.√
  • The fashion leaders either accept or reject the style.√ (2)
    Remembering, easy (Focus, page 49; Successful, page 50)


Fashion cycles overlap because consumers are bored with the old trend/less consumers wear the old trend as interest is decreasing. √ A new trend/fashion is introduced/begins/launched/celebrities are photographed wearing the trend.√Fewer consumers wear the old trend, until no one wears it any more.√While the old trend declines, interest in the new trend increases.√Clothing stores advertise the new trend in magazines and in window displays and is produced in growing numbers. √By this time a new fashion trend has established itself and is well on its way to its peak.√ (Any 2) (2)

Understanding, easy (Focus, page 50; Successful, page 50)


  • The vertical stripes will create the illusion that the person wearing the shirt is taller √ and slimmer√ as the eye will move up and down.√ (3)
    Applying, easy (Clothing Grade 11)


  • It is a classic style√and can be worn for many years/will not date easily/timeless.√
  • It has neutral colours√ that make it versatile/can mix and match√ easily with other clothing items.
  • It looks formal/professional.√
  • 100% cotton is comfortable to wear√ in winter and summer/all seasons.√
  • The easy-iron finish makes it easy to care for.√ (Any 4) (4)
    Analysing, moderate (Focus, page 56–58; Successful, p 61–63)


  • Fashion fad:
    The floral bow tie is blue and white and will outdate quickly/normally lasts for one season.√ (1)
  • Classic style:
    The white shirt/dark blue jacket are classic styles√ and will be timeless/last for many seasons/remain popular for a long time.√ White is a neutral colour/dark blue is a shade of blue.√
    (Any 2) (2)
  • Contemporary style:
    The skinny pants is modern/in fashion√ and light blue/tint of blue. √ (2)
  • Conclusion:
    The floral blue and white bow tie, white shirt, dark blue jacket and light blue skinny pants create a harmonious blue and white colour combination.√ (1)(6)
    Analysing, difficult (Grade 11/Focus, page 56–59; Successful, page 61–65)



  • The applicant should be a South African citizen or have a permanent residence permit.√
  • The applicant should be at least 21 years old/legally competent to enter into a contract.√
  • The applicant's monthly income cannot exceed R3 500.00./Proof of income must be submitted.√
  • Nobody in the household may have received a housing subsidy from the government previously, except for disabled people and people who qualify for the consolidation subsidy.√
  • The applicant must be a first-time home owner/must not have previously owned a house, except for disabled people and people who qualify for the consolidation subsidy.√
  • The applicant must be married or must live with a long-term partner. A single or divorced person with financial dependants such as children and family members may also apply.√ (Any 4) (4)
    Remembering, easy (Focus, page 130; Successful, page 149)


  • Electricity/energy consumption. √
  • Water consumption. √
  • Impact on the environment/carbon footprint. √ (3)
    Remembering, easy (Focus, pages 133–134; Successful, page 155)

5.3.1 (a)

  • A lease/rental agreement√
  • Deon should adhere to the lease/rental period.√
  • Adhere to rental fee√
  • Adhere to rental conditions e.g. Having pets, maintenance, alterations to the unit.√ (4)
    Understanding, moderate (Focus, page 117 and 118; Successful, page 137)


  • Date on which Deon can move into the unit.√
  • Length/duration/expiry date of the lease.√
  • Deposit that should be paid (in addition to the first month's rent).√
  • Terms and conditions regarding the refund of the deposit.√
  • Conditions regarding the subletting√ of the unit.
  • Conditions regarding the inspection√ of the property.
  • Conditions regarding the entry to the unit by the owner.√
  • Who is responsible for the payment of water and electricity.√
  • Whether pets are allowed.√
  • The condition that the landlord must approve any changes Deon wants to make to the unit.√ (Any 5) (5)
    Remembering, easy (Focus, page 117–118; Successful, page 138)


  • Rental Housing Act√ (1)
    Remembering, easy (Focus, page 118; Successful, page 137)


  • It gives the landlord a sense of security and independence.√
  • The property can be used as security for a bank loan.√
  • It is a sound investment because the value of the property increases over time/can be sold for a profit.√
  • The landlord is renting the property out for an income.√
  • The landlord has less administration to do because the body corporate administers the complex.√
  • He/she saves on the costs for maintaining a larger property and garden.√ (Any 4) (4)
    Understanding, moderate (Focus, page 123; Successful, page 141)


  • Deon should have read the contract before signing it.√ He should have done inspection of the property together with the landlord√ and made a list of defects√ before moving in. (3)
    Applying, easy (Focus, page 118; Successful, page 137)


  • There was a problem with the light fittings and electrical connections/broken rubber seal of the oven could have led to the use of more electricity.√ The oven loses energy √and could increase the cooking time.√
  • The toilet kept on running after flushing, therefore water was wasted.√
  • The kitchen tap was leaking, therefore water was wasted.√
  • Deon had a barber business, using more electricity when the hair clipping machine was switched on/used.√
  • Deon's customers could have washed their hair, resulting in more water usage.√
  • Deon had a friend living with him, therefore more water and electricity was used.√
  • They held many parties and this could have increased the water √and electricity usage√ as music is played/food prepared. (Any 5) (5)
    Applying, moderate (Scenario)


  • Deon had proof/took video clips/pictures√ with the date√ when he moved in.
  • This shows that he was not responsible for the tiles that were already broken/iron burn mark on the carpet/leaking kitchen tap/broken toilet flushing system/broken seal of the oven.√ (3)
    Applying, moderate (Scenario)


  • Employers should know their employees housing circumstances and help them to improve their homes.√
  • Employers can assist their employees by offering a monthly housing allowance/subsidy√which will help in paying monthly instalments on a property/home improvements.√
  • Subsidise part of the interest on an employee's home loan.√This could lead to lowering bond expenses.
  • By paying a living wage/salary that will enable employees to pay rent√and to save towards buying their own house/property/improve existing property.√
  • Give employees an option of staying in company-owned houses√ at a lower rent while employed by the company.√
  • Arranging home loans√and assisting in the purchasing of building materials.√
  • Helping employees to use their pensions√ as collateral security for loans/offer guarantees to lenders.√
  • Help with relocation costs/providing transport for relocation resulting in more money available for possible home improvements.√
  • Providing solar panels for employees' homes√reducing electricity costs.√This results in saving money which could be used for the purchasing of household appliances. √
  • Provide housing consumer education and advice to employees.√ (8) [40]
    Analysing, moderate (Focus page 132; Successful page 150)



  • Attract attention/colourful/legible.√
  • Create awareness about a product or service.√
  • Arouse/generate customer interest.√
  • Creates desire for a product/service.√
  • Persuade customers to buy/leads to buying action.√
  • Expand the market to new customers.√
  • Announces a modification or expansion of a business.√
  • Gives customers a telephone number/e-mail address/information.√
  • Announces the location of a business.√
  • Maintains sales/reminding customers continuously about a business. √ (Any 4) (4)
    Remembering, easy (Focus, page 30; Successful, page 30)

6.2.1 Sustainable profitability

  • Sustainable profitability is the business's ability to maintain a stable level of production and sales√ without depleting available cash.√
  • A profitable business is one that has a plan to ensure that it will grow√ and still show a profit in the long run.√ (2)
    Remembering, easy (Focus, page 35; Successful, page 34)

6.2.2 Mark-up

  • The amount/percentage added to the cost price√ of goods to cover overhead expenses√ and still leave money for profit.√ (Any 2) (2)
    Remembering, easy (Focus, page 37; Successful, page 39)


  • To protect the product.√
  • Keep the product safe and hygienic.√
  • It could act as a 'silent salesman'/attract the attention of consumers.√
  • Well-designed packaging can reflect well on a business image.√ (Any 3) (3)
    Remembering, moderate (Focus, page 30; Successful, page 29)


  • Regular maintenance prevents unexpected breakdowns during production√and ensures continuous production flow.√
  • It reduces repairs√and unscheduled maintenance.√
  • Corrective maintenance will result in a stop of production when sewing machines break down, √therefore time will be wasted√and garments will not be delivered on time. √
  • Corrective maintenance will increase major repairs and unscheduled maintenance√resulting in extra money spend (Any 4) (4)
    Understanding, moderate (Focus, page 25; Successful, page 25)

Maya pays special attention to each customer.√Customers do final fitting of the garments√(and customers can give feedback after every fitting) √which Maya uses to improve the garments/service/ business.√Maya therefore meets the needs of her customers.√ The garments are always ready on time/two weeks before the delivery date√that can result in customer satisfaction.√She serves refreshments to her customers which makes them feel important and thus ensures that they enjoy doing business with her.√ (Any 6) (6)

Understanding, difficult (Focus, page 7–9; Successful, page 10–12
NOTE: If it is not written in paragraph format ONE mark is deducted.


  • Maya has natural talent for sewing and will produce good quality items.√
  • Maya pays special attention/interest in her customers and ensures that their needs are met.√
  • She had capital/start-up money√as she earned a salary.√to buy sewing machines and an over locker.√
  • She had time√ as she is entitled to fourteen days off in a month√
  • She had a place for the business√she converted a room into a sewing room.√
  • She produces garments for formal events.√ (Any 6) (6)
    Applying, moderate (Focus, page 13; Successful, page 25)


Total cost of production = cost of raw materials + other expenses = R35,00 + R150,00 = R185,00√
Selling price = total production costs + mark-up
= R185,00 + (50/100)/50% = R92,50√
= R185,00 + R92,50√
= R277,50√
= R277,50 ÷ 100√
= R2,78 rounded off
= R3,00√ (6)
Applying, moderate (Focus, page 37; Successful, page 39)


  • In January Peter spent R1 500,00 on ingredients as fewer doughnuts were produced and sold.√There were only two weeks of school due to the December school holidays.√
  • Sales increased during February√because the bakery closed down and Peter's business attracted more customers.√
  • March had the highest product sales√ because of the big order for the sports day.√
  • In April sales dropped√due to school holidays.√
  • In May there was an increase in sales√as a result of the wider variety of products Peter started selling.√ (Any 7) (7)
    Analysing, difficult (Scenario, Focus, page 40–41; Successful, page 42)
    TOTAL: 200