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Spreadsheet Ranger

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Spreadsheet Ranger last won the day on February 11

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About Spreadsheet Ranger

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  1. Spreadsheet Ranger

    Blue Label Telecoms

    If you take Cell C away then blue label is a money printing growth machine. The stock is incredibly cheap if they turn Cell C around. If they don't ... it might still be cheap.
  2. Spreadsheet Ranger

    New JSE listings

    I still have shares in Taste Holdings, down 90% so I really do not care anymore, I practically wrote it off as school fees. I won't follow the rights offer, I do not fully understand what the consequences of that will be.
  3. Spreadsheet Ranger

    South African Budget Speech 2019

    I did not listen to the whole budget, was away. I see businessinsider reported that government will give first-time buyers subsidies through its Our Help to Buy scheme. Anyone know where I can get info on this "Help to Buy scheme", I tried google'ing but could not find much.
  4. Spreadsheet Ranger

    South African Budget Speech 2019

    That is great news?
  5. Spreadsheet Ranger

    South African Budget Speech 2019

    I hope we see/get something exciting, but I suspect all we will get is a higher fuel levy and an increased sin tax.
  6. Spreadsheet Ranger

    Stock Watch Thread

    Probably in anticipation of the launch of the bank and the possible fallout from Solidarity regarding the excluding of whites in their black only share scheme? All I know is that I am very excited for their new bank next month. I think it is fair to assume most discovery medical aid (expensive) holders are banking with FNB/ABSA/Standard Bank and thus Discovery will shakeup the big banks whilst TymeBank and BankZero will shakeup Capitec and Nedbank. All in all we should enjoy lower fees accross the system for banking, I hope.
  7. Spreadsheet Ranger

    Anyone investing in Stadio?

    Almost Rekt.
  8. Spreadsheet Ranger

    Pembury Lifestyle Group (PEM)

  9. Spreadsheet Ranger

    How to open a TymeBank bank account

    Money is in Yesterday I transferred money from Capitec to TymeBank via an EFT at 7 pm (11 Feb 2019) the money reflected now in my TymeBank account at 7 pm (12 Feb 2019) so it took 24 hours, not impressive, but I think that has more to do with Bankserv than it has to do with TymeBank. Login page Tymebank online banking dashboard Tymebank everyday account overview Tymebank transaction details Underlying code observation The Tymebank online banking interface is incredibly smooth in terms of the layout, it's build using an off the shelf framework called Bootstrap v3.3.7, which means they used an open source front-end with some custom modifications (very startup-ish, but I like their implementation it's clean and relatively fast.). I think they are using Microsoft Azure for some data and then AWS as the main system (which explains the slow latency since the server is not in SA) and then it seems they host some of the services as a herokuapp cloud application as well, probably testing (an API of TymeBank: https://internet-banking.herokuapp.com/api) the production system I think sits on Azure and AWS (aws: ibauthprox.tymedigital.co.za and Azure: cbsaweb-sit.northeurope.cloudapp.azure.com) Potential Security Risk Besides the latency (Slow response) the only real issue I have is that they do not request a pin or OTP after you login to the website, so because their site remembers your ID and password it means if your laptop or pc gets stolen, your bank is compromised. Ditto for anyone using a public computer to access their TymeBank bank account, if you use a public PC consider your TymeBank bank account compromised.
  10. Spreadsheet Ranger

    What are you eating?

    Trying vegan for a few days. Saled made with cucumber, lettuce, pineapple, cherry tomatoes, feta cheese and some olive oil (trace amounts).
  11. Spreadsheet Ranger

    How to open a TymeBank bank account

    I decided to give TymeBank (TymeDigital) a try today. I am very excited for Michael Jordaan's BankZero, but TymeBank beat them to the punch and launch the first fully digital branchless bank. There were some initial hiccups with their website not working, but overall the experience was incredibly smooth. To open a TymeBank bank account simply sign up online through their website (Click here to open a TymeBank account). This process is incredibly simplified through the use of eFica they are able to FICA you without any documents all you need is your ID number (just the number, you type it into the website) and a cell phone (for OTPs and confirmations) then you set a pin and you are done, you now have a fully fledged bank account. There is a catch... In order to activate and get a debit card (visa debit card), you need to go into a Pick n Pay to the TymeBank kiosk. Take your cell phone with because when you log into the Kiosk it will send an OTP to your phone. All you need to do at the kiosk is scan your thumb fingerprints then your account will be fully verified and the machine will print your debit card. This entire process took me less than 10 minutes, registering online took 3 minutes and printing my card at the Kiosk took 4 minutes. After this, I downloaded the TymeBank app from the google play store and its impressive, very neat layout and functional. In fact, I like their app better than Capitec (and I have been using Capitec since 2008). Their app still needs some work, I think they are using some AWS instance not locally so the lag time on the app is noticeable (latency from whatever region they use), but its nothing major. Why did I get a TymeBank bank account? There are zero monthly fees, so I figured if it does not cost me anything to open the account and it does not cost me anything to have the account then why not. Something to note, SMS on TymeBank are free too, other banks should take not, especially Capitec, I know they make a killing on SMSes. The other drawcard for me was the integration with Pick n Pay (although their staff is completely clueless about how Tyme works, I went to two Pick n Pays and neither one's staff had a clue what to do when you want to add funds). Anyway, the reason I like it is that I shop mostly at Pick 'n Pay and with a TymeBank account, you can get double the smart shopper points if you use the card as your payment method and using it to swipe for the smart shopper instead of the blue pick 'n pay card. The other reason I got the account is for the interest. You get 6% interest from day one and if you leave your money you can get up to 10% interest, so I will put a few thousand bucks into this account and just leave it to earn interest, basically extra cash I will put into TymeBank as I will earn almost double the interest I get from Capitec. Another worthwhile note is that all TymeBank account holders get free wifi at all Pick n Pay and Boxer stores, not that I really need this, but for a bank account that does not cost me anything, it's a nice perk to know if I ever do run out of data I can pop into a Pick n Pay and be connected again. How to get money? It might not be obvious at first with all the digital bank and feeling like this is some special service. It's a normal bank account you get an account number so EFT some money to your TymeBank bank account. If you have cash on hand then you can go to any Pick 'n Pay. It will cost you R4 at Pick n Pay to deposit cash into your TymeBank account, which is alright. Pro Tip: The people at Pick 'n Pay will have no idea how to do it, so to avoid boiling your blood tell them this is a normal online deposit (they should understand what that means). Here is the card I got: This is a fully fledged debit card (visa), you can do online payments everything, there are no limits. The interesting bit, this card costs nothing. Capitec charged me R50 for my card.
  12. Spreadsheet Ranger

    Who is buying Multichoice shares?

    Personally, I won't touch multichoice just because they screwed over too many South Africans and played a part in the Gupta ordeal. Now with that said, MultiChoice Group Limited (MCG) will include, amongst others, MultiChoice South Africa (MCSA), MultiChoice Africa, Showmax, as well as the global digital platform security provider, Irdeto and all their subsidiaries and affiliates. Irdeto is interesting, they essentially provide the security layer for cable network services like the operating system running on your DSTV console. What makes them interesting is that they also provide security for companies using open source software like Android on their set-top boxes, thus playing an important role in the MCG group since Comcast (Xfinity, a Nasdaq listed company) and the British free-to-air television channel ITV forms part of Irdeto's portfolio. They also play a role in securing IoT devices, which will take over when 5G is fully adopted in the next few years. As for MultiChoice South Africa (MCSA) if they lose SuperSport they lose their premium subscribers, the majority of their premium subscribers already have access to the internet (above 4Mbps) and thus can and will switch to Netflix. MultiChoice Africa will be the one to carry the group in my opinion, Africa is big and technology is slow. Internet access is limited and satellite often are the only way to reach these guys. Showmax should be the main focus on MCG, the internet is the future and streaming content and more specific, content on demand is the future. Developer skill is a major problem both for Showmax and DSTV Go at this stage, they are trying to compete with Netflix and Amazon Prime, but neither Showmax nor DSTV Go has the technical ability to take these companies on, so I foresee a few years of poaching talent and upping spending (paying a premium) to higher better developers. Conclusion and personal bias aside, MCG has a lot of potential if they can lean up the company and focus on improving their technical ability, I am very interested to see their finances when they announce it.
  13. Spreadsheet Ranger

    Last seen movie and rating

    IO 2019 4/10 Better than the killing of a sacred deer and mother, but still a bad movie all around, bad acting (well was there even acting?), bad CGI (so assume low budget) and a rushed storyline. Would be better suited as a series and perhaps expanded the research for new life etc, but in all honesty, I think the story itself won't be sustainable either, so a series probably won't work. TL;DR The beginning is nice and reels you in and gets you to invest in the main character, Sam, only to be disappointed miserably as she is lifeless, and, towards the end, annoying even.
  14. Spreadsheet Ranger

    Hi there I'm a newbie investor

    25 days is a bit short, not even a money market account imo. (welcome to the forum btw.)