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  1. 3 points
    Great to see forum members discuss DCX10 here - we are honoured! Owning the market weighted index of the top 10 Crypto's is not the holy grail of Crypto investing, but historically it has outperformed Bitcoin by a margin of roughly 50%. Past performance is of course no guarantee of future returns, but we think the index will beat Bitcoin again. The timeframe is uncertain though. If you're comfortable with this position, 1% per annum fee for the convenience of managing the composition of the index, fades into insignificance compared to the outperformance. Happy to discuss more...
  2. 2 points
    I'll bite, and answer the questions as my first post here. First and foremost, all information is available on the ebucks website, its not a secret, just take some reading time. https://www.ebucks.com/web/eBucks/earn/earn-from-the-bank-2019.jsp #1 Does the bank account type make a difference? It does.There are certain caps on the earning. Gold for example is capped on earning ebucks on a maximum spend of R7500 in-store and online. Earn rules @ https://www.ebucks.com/web/eBucks/earn/fnb-gold-2019.jsp Premier for example is capped on earning ebucks on a maximum spend of R10000 in-store and R2500 online. Earn rules @ https://www.ebucks.com/web/eBucks/earn/fnb-gold-2019.jsp For both, your checkers earn is capped at 20% of total monthly spend and R1750 for gold or R2000 for Checkers. To get to that 15% earn for checkers, you need to be on ebucks reward level 5. To understand this, you need to look at "Maximise your points to reward level 5" on https://www.ebucks.com/web/eBucks/earn/fnb-gold-2019.jsp or https://www.ebucks.com/web/eBucks/earn/fnb-premier-2019.jsp #2 FNB Fusion Gold VS FNB Fusion Premier – Which is best for ebucks? The level account you go for, depends on both how big your income is and more importantly, how much you spend each month. The spend caps for in-store spend is a good indicator. R10k a month or less spend, then go Gold. If your spend is closer to R15-20k a month then go Premier. If your spend is less than R5k a month skip fnb/ebucks altogether. #3 Does your ebucks cover your monthly bank account fee?For me, it far exceeds my monthly account fees! I am on Private Clients which costs R390 a month (with no additional fees). I earn R2000 worth of ebucks a month, and spend it only on 40% discounted items/vouchers which means that R2000 become an effective R3334. Then there are other benefits like free lounge visits at airports, avis free point-2-point, R100 Kauai voucher each month, FNB on the wimpy voucher, 500MB data free on the FNB sim ect. I use most of those benefits, its insane to turn it down...if you spend enough each month on your card. #4 Will ebucks benefit me? You will need to make changes to your payments to make ebucks benefit you. EFTs count for 0 ebucks. You need at least 3-4 debit orders on your account to help you gain reward levels, so I would keep those as is mostly. Municipal account, instead of EFT, I would pay into the account using credit card. Even if you pay part of it, and let the co-owner pay the other part whichever way he want, or EFT to you and let you pay with card. Fuel, keep as is on card. Paypal, keep as is, its online spend. Airtime, buy with card at a retailer or online. I do online. Electricity is easy to buy online, even possible on snapscan app now, which is what I use, its conveniant. That said, its difficult to say without actual values. Anyways, you need to do some homework to really know. I do this once a year, takes me 30 minutes then I am done for the year. Thats quicker than my e-filing takes. Read through the rules on: https://www.ebucks.com/web/eBucks/earn/fnb-gold-2019.jsp or https://www.ebucks.com/web/eBucks/earn/fnb-premier-2019.jsp Then use the calculator to work out what you can do to get to level 5 and then what you can earn with your expenses: https://www.ebucks.com/web/calculator/rewardsCalculatorAction.do At a minimum, play with the calculator. Hope that helps.
  3. 2 points
    Salutations Thought I'd introduce myself before making any wall of text posts Some people on this forum may already know me or have come across some of my activities in other communities and groups. I post under my own name where-ever I post. To everybody else the standard disclaimer is that only half of the bad things you've heard about me are true. My educational background is in law, economics and philosophy. I don't hold a degree but am a published author of peer reviewed academic articles. I was responsible for the creation of Crystal Web was ousted in 2017 from involvement of the company until needing to perform a salvage operation in the Evonet disaster. While I have every hope to rebuild Crystal Web there are quite a few hurdles to get that horse back on track. At the moment my LinkedIn short description reads: Critic of 5G silliness Advocate for 5G ecosystems and yes 5G is something I talk about A LOT, somewhat sadly more often outside of South Africa
  4. 2 points
    I have both although I may not have given Discovery a fair chance with regards to rewards so far. But that doesn't matter because their service just isn't even close to FNB. I'm sure they'll get there in time but so far Discovery Bank has been a massive waste of time for me. It's funny because people used to say eBucks is complicated - wait until you try Vitality Money. It's all relative to spend etc. but I'm on level 5 eBucks and get about R500 worth of it back every month without doing anything special. I can more than likely maximise it and get exponentially more every month but I don't go chasing rewards for the sake of good financial habits (overdrafts, revolving loans etc). Anyway, I can tell you this: If you don't fully commit to Discovery then don't bother. FNB's app and integrated services are light year's ahead. FNB's support is better I'm more than likely cancelling my Discovery card as soon as I can figure out how... So my vote is FNB + Tyme over any other banks in South Africa.
  5. 2 points
    Yes, firstly, don't overdo it with too many ETFs. Just pick a few core ones and stick with them. Otherwise you just end up with higher costs, duplication of stocks and possible over-exposure to certain stocks that is hard to control. Secondly, pick a good mix of local, international and property shares to spread your risk. If you want to stay with Satrix only, I'd recommend something like the following portfolio split: Satrix 40 (STX40) : 40% Satrix MSCI World (STXWDM) : 40% Satrix Property (STXPRO) : 20%
  6. 2 points
    What a bank I like everything about tyme to bank
  7. 2 points
    Any business with a concern about efficient and costs effective telecommunications should investigate porting over to a VOIP solution. If you have a reliable internet connection such as ADSL/VDSL, 3G/4G or Fibre, you can get a phone service delivered through your internet connection at a fraction of the cost compared to using a traditional Telkom landline. The most important takeaway from this article is that a VoIP system reduce costs, dramatically. Why will a VoIP system reduce my costs of my Telkom bill? A VoIP service provider does not require its own separate infrastructure like the PSTN of Telkom. Voice calls are simply transmitted over the same networks that power the Internet. This means that the ISP does not have to invest significant capital in laying phone lines to each and every house and business. VoIP is essentially piggybacking on the existing broadband network throughout South Africa. So, voice is treated exactly the same as normal data and media such as text and images on the Internet (like a Whatsapp). Just like sending email and pictures is practically free, voice calls also become extremely cheap. Can I move my telephone number if we change offices? Anyone who has moved a landline from one home to another knows the pain of dealing with Telkom. With VoIP, the phone number is no longer associated with a single device, residence or physical line, instead the VoIP phone number is associated with you and your account. This enables you to take the number with anywhere you go, and you can even use it to link your cell phone to your business or office – it’s a virtual number. Who is the cheapest VoIP provider in South Africa for my business? Skype has three packages For R57 per month you get 100 minutes to any South African mobile or landline number (effectively R 0.57 per minute) For R99 per month you get 400 minutes to any South African mobile or landline number (effectively R 0.24 per minute.) Then for R285 per month you get unlimited calls to any network and landline. Vox Telecom Costs between R234 and R762 per month and calls are charged at R0.46 per minute. (The monthly payment includes money for the calls.) FreshPHONE Zero sign up costs, Zero monthly costs, Zero cancellation costs. The call rates for FreshPHONE is R0.39 per min to Telkom local and national numbers and R0.69 per min to all cellular networks. MWEB Mweb have two VOIP packages a Starter package with 100 minutes at R59 per month, and a Lite package with 250 minutes at R99 per month. (59c per minute and 39.6c per minute respectively) Assuming you want a more business specific setup (multiple staff members or a call center) then a PBX system will be required. The cheapest hosted PBX solutions in South Africa IS (Internet Solutions) Ignite have a hosted PBX solution for R111 per extension (month to month) or R90 per extension (24 month contract) this gives you Ring groups, Voicemail to email, Call waiting (press 1 for sales) the full monty) and then you have to pay the per minute rates for calls you make which is R0.30 to Telkom landline calls and R0.74 to mobile numbers. Euphoria Telecom is R65 – R125 per user(extension) per month depending on features. Then their call rates are R0.34 per min to Telkom landlines and R0.79 per min to all South African mobile networks. Use VoIP for your startup business Launching your own business is not an easy task. Entrepreneurs soon find that their landline is not enough to handle the needs of the business, no matter how small. This is where VoIP comes in handy. VoIP service can provide much-needed features like auto attendant, group voicemail, multi device ring, automatic call routing etc. which normally requires an expensive building specific business line(s) setup with golden numbers and special hunting group landlines.
  8. 2 points
    I have ordered single units as replacements which came without having to pay extra duties. Buying bulk means you definitely have to pay the duties, and also the fee to the courier company to 'process' your order and delivery. I am out of stock of Ledger Nano S devices and most likely not ordering bulk again, unless I can make it worth while. Bulk orders are not priority to them, so they sometimes take months to arrive, while the price of bitcoin changes drastically during that time period, which means your profit can disappear completely. For the end user, its faster and cheaper to just order directly from Ledger now, especially since they added free shipping for small orders to South Africa, and you might not need to pay duties. Bulk orders you still need to pay for shipping, so that is additional cost for resellers too. The time, expenses, and possibility of losing money means its just better to refer customers to them directly.
  9. 2 points
    The JSE and Msci Emerging markets index are highly correlated and emerging market index outperformed local equities the last 5 years. I would change the local exposure to STXEMG only. Less risk for similar performance and no "if" the local market bounces back scenarios...
  10. 1 point
    Any person of 16 years and over is free to make a will in order to determine how his/her estate should devolve upon his/her death. If you die without a will, your estate will devolve in terms of the rules of intestate succession (your assets will, contrary to general belief, not go to the state). What is said hereunder is not meant to replace the provisions of the Intestate Succession Act, no. 81 of 1987. The information is merely to inform the user of this site about some of the basic questions asked about intestate succession. Deceased is survived by a spouse or spouses, but not by a descendant/s. The spouse or spouses will inherit the intestate estate. In the case where the deceased was a husband in a polygamous marriage the surviving spouses will inherit in equal shares. Deceased is survived by a descendant/s, but not by a spouse. The descendant or descendants will inherit the intestate estate. Deceased is survived by a spouse or spouses, as well as a descendant/s. Each spouse will inherit R250 000 or a child's share, whichever is the greater and the children the balance of the estate. A child share is determined by dividing the intestate estate through the number of surviving children of the deceased and deceased children who have left issue, plus the number of spouses who have survived such deceased. NOTE: In case of a marriage in community of property, one half of the estate belongs to the surviving spouse or spouses and , although it forms part of the joint estate, will not devolve according to the rules of intestate succession. For more information on the Intestate Succession Act, no. 81 of 1987 please consult the act or your legal representative. The following two examples will illustrate what is said above about the child's share: Example 1: Value of intestate estate is R550 000. The deceased is survived by a spouse and 3 children. A child's share amounts to R137 500 (R500 000 divided by 4 (3 children plus spouse)). The child's share is less than R250 000. Therefore the spouse will inherit R250 000 and each child will inherit R100 000,00. (R500 000 less R250 000 to spouse, divided by 3). Example 2: Value of intestate estate is R1 250 000. The deceased is survived by a spouse and 3 children. A child's share amounts to R312 500 (R1 250 000 divided by 4 (3 children plus spouse)). The child's share is greater than R250 000. Therefore the spouse will inherit R312 500 and each child will also inherit R312 500 (R1 250 000 less R312 500 to spouse, divided by 3). Deceased leaves no spouse or descendants, but both parents who are alive. His/her parents will inherit the intestate estate in equal shares. Deceased leaves no spouse and no descendants but leaves one parent, while the deceased parent left descendants (brothers/sisters of the deceased). The surviving parent will inherit one half of the intestate estate and the descendants of the deceased parent the other half. Deceased leaves no spouse or descendants but leaves one surviving parent, while the deceased parent did not leave any other descendants. The surviving parent will inherit the whole estate. Deceased does not leave a spouse or descendants or parents, but both his parents left descendants. The intestate estate will be split into equal parts. One half of the estate is then divided among the descendants related to the deceased through the predeceased mother and the other half among the descendants related to the deceased through the predeceased father. Deceased does not leave a spouse, descendant or parents, but only one of the predeceased parents left descendants The descendants of the predeceased parent who left descendants, will inherit the entire intestate estate. The deceased does not leave a spouse or descendants or parents or descendants of his parents. The nearest blood relation inherits the entire intestate estate. The deceased is not survived by any relative. Only in this instance will the proceeds of the estate devolve on the state. What is the position with regard to an illegitimate child of the deceased. An illegitimate child can inherit from both blood relations, the same as a legitimate child. What is the position with regard to an adopted child of the deceased. An adopted child will be deemed to: * be a descendant of his adoptive parent or parents. * not to be a descendant of his natural parent or parents, except in the case of a natural parent who is also the adoptive parent of that child or was, at the time of the adoption, married to the adoptive parent of the child. Source: http://www.justice.gov.za/master/m_deseased/deceased_intestate.html
  11. 1 point
    Coincidentally, this week is National Wills Week (or "Free will" week) at many participating attorneys in South Africa. A list of participating attorneys who will do your will for free can be found on the website of the "Law Society of South Africa" https://www.lssa.org.za/our-initiatives/advocacy/national-wills-week But many other attorneys who didn't send their names through will still do it for you.
  12. 1 point
  13. 1 point
    I'll settle for a better interest rate on my car or home loan...
  14. 1 point
  15. 1 point
    Thanks Saurus. I like the 2K a month suggestion I never even though of splitting it up like that, plus, I could then probably invest more than the 2K for the next three months. win, win.
  16. 1 point
    Man how do you keep still in a space this volatile? 1 minute I'm happy, next minute I'm really sad, then angry, happy. For amateurs like me, this dcx10 is fine for now, get to work on my feelings,
  17. 1 point
    Cheers Saurus and Bandit, appreciate the objective insight. Will be buying my first 2x ETFs in a few day time. Quick question ... is it recommended setting up monthly debit order R500 pm via EE platform or EFT transfer ( which I will have to do manually) . Debit Order suits me (,Knut maybe it’s more expensive with transaction fees) again shot for the advice .
  18. 1 point
    For local ETFs, capital gains, distributions (dividends) and REIT income is tax free. For foreign ETFs, capital gains are tax free, but distributions (dividends) and REIT income is taxed by that country, so the only tax benefit to us within a TFIA is on capital gains. Thus, in order of tax benefits in a TFIA (from biggest to smallest): Local property ETFs have the biggest tax saving Local income ETFs (high dividends) Local equities Foreign equities Foreign income ETFs (high dividends) Foreign property ETFs have the lease tax benefit
  19. 1 point
    Haven’t seen a post under here for a while nor have I said anything for a while... Anyways- I’ve decided to give my ETFs some serious thought and this is what I’ve come up with (I’m open to all suggestions). I want my overall exposure to be 70% local and 30% offshore. Then, under both local and international holdings I was thinking about having 70% equities, 20% property and 10% dividends. Or not including the dividends because most of these would be under equities anyways and then having maybe a 80/20 split? For local: Satrix Top 40 and maybe the Coreshares Smart (equally weighted) - I know these are basically the same, but I don’t want over exposure to one share nor do I just want equally weighted, so I thought that mixing the two would give a bit of a better mix. Then for local property Coreshares PropTrax10 And if dividends perhaps Coreshares Aristocrats? International I’m a bit confused about because I’d still like a bit of emerging markets as well. So maybe: 1) Ashburton global 1200 2) Sygnia S&P 500 (I know Ashburton would have quite a few American companies in it already) For international property I’m thinking about Coreshares S&P Global And dividends would be Coreshares again or maybe an ETF from Satrix. Is this too complicated of a mix and should I rather just aim for 1 or 2 ETFs for local and international? I am trying to keep the portfolio moderately simple!
  20. 1 point
    Hi. Not just yet, but it's on our road-map for release with e-commerce within the second half of this year.
  21. 1 point
    ...this stock is in freefall. Stellenbosch accounting? To think TON and EOH where both stocks Sanlam's (Sanlam Private Wealth) analyst Alwyn van der Merwe said where the stocks to buy.
  22. 1 point
    Welcome to forum Vinnie!
  23. 1 point
    Line of Duty (Netflix). About events in the Police Ant-Corruption Unit. Season 1 has 5 episodes and I believe Season 2 will be making its way to South Africa. Really worth watching. 9.5/10
  24. 1 point
    Come, move to JHB. It's the best city in SA. You won't miss the mountain....
  25. 1 point
    I cant view it because its behind a paywall that I wont pay...but ja, I dont trust those guys one bit
  26. 1 point
    Happy to be here! Thanks for the warm welcome.
  27. 1 point
    We don't have a release date for that at the moment. We'll let our customers know as soon as we have an update.
  28. 1 point
    Hello everyone. I'm Cheryl, founder of pedlar.co.za Nice to meet you
  29. 1 point
    Hi There, I'm Ahmed, Longtime mybb lurker, and about to sign a contract with one of the big 4 mobile networks in their graduate programme as a software engineer. Thought Id lurk on this forum too, and get my finances right from the start ; ) hopefully.. Hope I can learn and contribute meaningfully.
  30. 1 point
    The education system seems to be going through changes. There is a trend towards home schooling and small colleges in some sectors of the community, away from the formal uniform wearing "conventional" schools. Teacher education is in a bad shape and the quality of teachers seems to be deteriorating. The discipline in the conventional schools is going from bad to worse. Yes the private school system is facing an uncertain future but it seems to be a better bet than the state schools and even the old model "C" schools which are going the same way as the majority. Affordability of the private schools is a problem especially in the light of the current low economic activity prevalent in the country. Pembury claim to be more affordable than the groups mentioned above. As far as retirement homes are concerned I have noticed a trend for emigrated children to arrange for their aged parents to join them overseas thus reducing the pool of tenants for these homes. Time will tell what happens to this share.
  31. 1 point
    I only do CFDs for resources, because they're cyclic so long term doesn't make sense for me with resources. But I've had CFDs in Anglo American Platinum (AMS) for about 3-4 months now. Best return I've ever made on a trade!
  32. 1 point
    We had a cat but found it a new home (a proper cat lady). He was bored, couldn't really go outside and tore birds apart in the home every other day. Wife's allergies didn't help either... but I kinda miss the guy Anyway, I've been wanting to get a small dog to double as an alarm but the thought of cleaning up the lawn, booking him into a kennel every time we go away for more than two days and the potential noise/complaints from neighbours in the estate just puts me off. Can get a "quiet" dog like an Italian Greyhound but... meh. So no pets for me. It silently kills me inside because I grew up in a house with many many dogs
  33. 1 point
    I've been tracking the amount of money I spend on my cats for the past 3 or so years now and thought it might make for a cool thread. Do any of you own pets? Do you budget for your pets? How much do you spend on your pet(s) in a month? We have 3 cats (Lilly, Meow Meow and Bubbles (Full name Hollywood Luxury Bubbles)) initially I fed them Hills and Royal Canin and mainly wet food, but that got terribly expensive really quick. I found what appears to be great dry food at Spar, it's their home brand called Pro Balance Cat Food. The Pro Balance (Spar depending) costs R77 for a 2KG bag compared to Hills Cat Food which is R229 for a 2Kg bag and there was a time I fed them Acana which was around R450 for a 1.8Kg bag. Then I would feed some meat whenever we braai so won't add that to the calculation. The cat litter we got a great deal on through the years. We use bentonite (none lethal type) which is clamping, but it's used in construction so it's cheap as in we pay roughly R130 for a 25Kg bag which lasts 2 months between the three cat litter boxes we have. If it was not for this I do not think I would have been able to afford cats considering the traditional cat litter costs around R170 for 3Kg and it and I will probably need 3 to 4 bags a month. What does a cat cost per month: Pro Balance Cat Food R77 per bag x 2.5 ( we normally use two, but have used 3 some months). Cat Litter Bentonite 25Kg bag R130 x 1 (we try to buy one each month to be safe because it's not available when it is the rainy season (no construction sites)). Pro-Balance Cat Food Pouches R7.49 x 6 (Wet food as a treat, normally buy each cat one every now and again). Total cost per month: R367.44 Total cost per cat per month: R122.48 Other cat expenses we had: Meow Meow had to be taken to the vet for an emergency which ended up costing R400. Bubbles and Meow Meow are neutered which was R550 each (R1100 total). Lily is still a kitten. but she will also be neutered and it will be R550 as well. We had a company design a custom cat jungle for them which cost us R7004 (but worth every penny, will post pictures). Cat litter boxes x 4 which were R50 each (R200 total). Cat poop scoopers x 2 which were R25 each (R50 total). Bought Lily for R100 when she was a puny little kitten (less than a month old). Cat carriers x 2 for R300 each (R600 total), great tip: go to Plastic World, the pet shops are overpriced. Drinkwell water fountain (they loved it) which was R674. Drinking bowls, stainless steel x 3 which were R80 each (R240 total). Cat leashes/harnesses to walk them with like in the movies x 2 at R80 a pop (R160 total). Total cat expenses: R11 078 Our cats' costs R4 409.28 per year which comes down to R1 469.76 per cat per year. This is just living costs, it excludes toys and travel and vet visits. I thought as a hypothetical I would like to see if I can afford to feed my cats the ideal nutritional diet that I would want which would consist of Hills or Royal Canin using the above portions it would mean that I need to spend R774 per month or R258 per cat. That is an increase of 71.23% in my spending which means I need to increase my monthly budget for the cats by R406.56 which is possible but will be cutting it very close. I mean if I invest the difference or put the difference in a Tymebank goalsave account at 10% I would have R31 745.17 after 5 years. Suddenly that Hills diet looks a lot more expensive. Now for the fun bits Bubbles (very christmassy) Meow Meow Lily
  34. 1 point
    Yes, they only listed on 22 November. Still hard to find info.
  35. 1 point
    Here's the official JSE index codes (although Google Finance uses different ones): All share is J203 and the Top40 is J200.
  36. 1 point
    I'm right here Ranger. With My "Snortfolio".
  37. 1 point
    We want to do some research into the consumer behavior of prepaid users. Where do you buy airtime? Do airtime discounts play a role, would you change providers if they offered a discount?
  38. 1 point
    I see Google finance had a rewamp and now functions as a mobile app. I only saw this now so I'll be playing with it a bit and add my actual stocks to you. Can be really useful to get a quick glance at your portfolio, watchlist and the market as whole. It has relevant news articles in a feed as well.
  39. 1 point
    Jumia to list on the NYSE, aiming to become Africa’s first tech unicorn. Active in 14 countries 4 million active users 81.000 active sellers 13.4m deliveries per year €130.6m revenue in 2018 €862m consolidated loss since inception Source: Techcrunch MTN owns a share of Jumia
  40. 1 point
    They keep posting on Twitter, but I have not seen a launch date yet. I am curious to see what Micheal and the rest ex FNB guys can come up with, TymeBank is really incredible and Capitec can adapt if they must. So is that 'unbanked' space big enough for another entrant? Bankzero will never compete in the FNB level, at least I doubt it and there Discovery Bank is going to make a dent. I am very excited about their launch and to see what they can offer and if they will enter the business banking space currently dominated by FNB.
  41. 1 point
    I did not see this coming !! Both Std Bank and JPMorgan launching blockchain payment solutions....wow These events matter because it makes moving money around much cheaper and faster....it benefits us the consumer ultimately Standard Bank builds blockchain for international payments "The platform aims to increase the speed and transparency of international payments and trades by providing an instantly-available record of documents and settlements stored in the cloud. " https://mybroadband.co.za/news/banking/297786-standard-bank-builds-blockchain-for-international-payments.html JPMorgan's move into crypto puts the rest of the industry on notice "Blockchain is particularly appealing because it could allow banks to clear payments faster and more securely, using technology that CB Insights said would dramatically cut processing times and reduce the need for third parties to get involved with transactions." " With the launch of JPM Coin, JPMorgan has shown it wants to get out in front of this transition, despite its previous skepticism. That could push other banks to show they're in the game, too. Singh said banks that have a large number of institutional clients, such as Citigroup (C), will feel the most pressure." https://edition.cnn.com/2019/02/19/business/jpmorgan-jpm-coin-banks-blockchain/index.html
  42. 1 point
    Hi e4et That's a pretty solid core portfolio. A few thoughts though... Your 55% global ETFs, I'd keep exactly in the percentages they're in - 40% world and 15% US feels well diversified. No criticism here. Your local ratios might do with a little tweaking in my opinion though. In a bull market, momentum shares thrive (like Satrix Top 40, SWIX Top 40 and CTOP50). In a bear market such as we had in 2018, value/quality shares do better (like Satrix Divi and STXQUA). This is why your Divi ETF is doing much better (or much less badly, to be precise) than your other ETFs (that's of course putting aside the World ETF which is up because of the weak Rand). However, when the JSE starts going up again, you may miss out on the rapid growth that momentum shares usually experience. In my opinion, now would be the ideal time to even out your local shares ratio and go half value (Satrix Divi (STXDIV)) and half momentum (like Coreshares top 50 (CTOP50)), since momentum ETFs are really cheap at the moment. My biggest concern is that SWIX T40 is 28% Naspers at the moment and that percentage is getting bigger and bigger. With the uncertainty in Tencent at the moment, the future of Naspers is unclear. Fortunately you only have 15% in SWIX T40 at the moment, but I wouldn't invest more in SWIX if I could avoid it. What I feel you should have instead of SWIX top 40 is a well rounded local core momentum ETF that doesn't have excessive Naspers exposure. Due to your already high exposure in Naspers, I'd go for the Coreshares top 50 ETF (CTOP50) as it is capped at 10% in any one company, limiting further exposure to Naspers. If it were me, I'd keep your current portfolio as it is and use the 3k to buy CTOP50. After that, I wouldn't buy more SWIX T40 (rather continue buying CTOP50) but maybe keep the SWIX anyway as it is a small enough percentage of your portfolio to warrant the risk and it may shine if Naspers recovers. Then in the long run, try and get your portfolio to something like: Local (45%): CTOP50: 20% STXDIV: 20% SWIX Top 40: 5% Global (55%): Sygnia MSCI US: 15% Sygnia MSCI World: 40% In summary, the only real long term changes I'd make is to eventually move away from the SWIX Top 40 and replace this with a capped local core ETF like CTOP50 (which is much better balanced and much safer), and then drop your Satrix Divi to only half of your local exposure.
  43. 1 point
    Bird Box 6/10 Nothing particularly wrong, but they could have done so much more. The trailer is somewhat misleading with regards to time line.
  44. 1 point
    Personally I would by the Xbox One, I have a PS3 and will be the new PS5 if it ever gets released just because I own it since the PS one and love the remote. Anyway the reason I say buy the Xbox over the switch is because it will end up in your living room as the home entertainment system with netflix and 4k streaming. Dad and his new toy (disguised as a gift for the boys) The Nintendo switch is like a upgraded version of the PlayStation Vita, which was nice at the time, but you have mobile phones now packing more detail. If I was you, I would go to Cash Crusaders and buy a Xbox One plus 2 controllers plus a ton of games all for less than what the Switch would cost new. I don't think I would've been able to tell the difference between new and used when I was 8 years old. (Being a financial focused forum, I had to include the "don't buy new at inflated prices" comment.)
  45. 1 point
    Service/Product Description: Freepaid’s API provides seamless, real time access to a wide range of pinned and pinless prepaid products at our transparent, competitive prices. This state-of-the-art programming interface does all the heavy lifting for you. It puts the programming power into your hands, freeing you to put your energy into your own development. You can order PINLESS airtime (direct recharge) or data through this API or you can order a PINNED airtime voucher which is sent to you in the form of a PIN number. Location: 301 Building Three, Tygervalley Chambers, Willie Van Schoor Drive, Bellville, Western Cape About us: Freepaid has been providing state-of-the-art Airtime solutions to innovative South African businesses, large and small, since 2007. Links (optional): Our API https://freepaid.co.za/airtime-api.php
  46. 1 point
    Webchain is a web-mineable blockchain platform that makes the most of the unused CPU resources of internet-connected devices to secure Smart-Contract-powered DApps. This is done by registering public transactions through an egalitarian Proof-of-Work consensus mechanism based on CryptoNight, which uses the community of website users as the low-impact processing grid for applications. Below are some of the features: With Webchain, It’s possible to use resources of Internet of Things or any device that can render JavaScript to mine. Decentralized and ASIC-Resistant. Since ASIC operators sell coins to pay for expenses, they also drive coin prices down. We designed and implemented our own fully customized version of Cryptonight hashing algorithm. To stay ASIC-resistant in future, we will keep updating it regularly. Very fast transactions Our on-chain transactions are among the fastest - only 10s. Adding off-chain solutions will make them instant. Transparent, botnet unfriendly The transactions made on our blockchain are entirely public, so Webchain won’t be a friendly place for botnet attackers or any sort of illegal activities. No Initial Coin Offerings: Since this project is meant to be for everyone – not only for those with deep pockets – we decided not to hold Initial Coin Offerings. For details on how to get started, please visit the main site. https://webchain.network
  47. 1 point
    Who wants to compare the interest rates of each of these accounts and make a list for us?
  48. 1 point
    Welcome to Wills and Testaments 101 Why is a will important? A will instruct how you estate must be dealt with as per you last wishes. Clear instructions will make it easy for your relatives and you will avoid unnessary family disputes. What will happen if I do not have a will? Will all my assets go to the government? No, there are certain rules that must be followed for a intestate succession. You can read more about it here. Most South Africans do not have a will.... We want to create an interactive series showing members what the process is of drawing up a will and testament, consider the following scenario below which will act as the basis of this series. Joe wants to draw up a will for himself but are not sure where to start and how the process will work. We want to gather information about Joe from the forum. So it will be random information that will make up his estate. We will then work through the process on the forum with lots of time for questions and suggestions. The result will be a final will, but we will even go further and do an estate planning also. With the estate planning we will be able to see how the estate play out in rand value, what costs there will be, who will inherit what, etc. The process will be as follow: Part 1: Gather information - This post. Please post any facts of Joe here that you want to be added. Part 2: Facts of estate - All facts will be added here. Part 3: Gather questions - Any questions about the facts can be posted here. - WE ARE HERE NOW! Part 4: Prepare will - Published will can be seen here. Part 5: Questions on will - Any questions about the will can be posted here. Part 6: Prepare estate planning - Published estate planning can be seen here. Part 7: Wills and Testaments 101 - Questions on the estate planning Any questions/information can also be emailed to sa[email protected] or posted in this thread.
  49. 1 point
    Any questions about the estate planning can be posted here when we get to that part in the series. Process: Part 1: Gather information - This post. Please post any facts of Joe here that you want to be added. Part 2: Facts of estate - All facts will be added here. Part 3: Gather questions - Any questions about the facts can be posted here. - WE ARE HERE NOW! Part 4: Prepare will - Published will can be seen here. Part 5: Questions on will - Any questions about the will can be posted here. Part 6: Prepare estate planning - Published estate planning can be seen here. Part 7: Questions on estate planning -Any questions about the estate planning can be posted here.
  50. 1 point
    The final will and testament will be added here when we get to that part in the series. Process: Part 1: Gather information - This post. Please post any facts of Joe here that you want to be added. Part 2: Facts of estate - All facts will be added here. Part 3: Gather questions - Any questions about the facts can be posted here. - WE ARE HERE NOW! Part 4: Prepare will - Published will can be seen here. Part 5: Questions on will - Any questions about the will can be posted here. Part 6: Prepare estate planning - Published estate planning can be seen here. Part 7: Questions on estate planning -Any questions about the estate planning can be posted here.
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