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Spreadsheet Ranger

Platinum Wealth Club Member
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Everything posted by Spreadsheet Ranger

  1. Spreadsheet Ranger

    Blue Label Telecoms

    Do any of you own Blue Label shares? What do you guys think about the future of Airtime? I owned some, but I then sold them for a profit, but back then I bought Blue Label purely based on a recommendation from a friend, but this time round I am looking more and more into the tech space in South Africa and thought since we have threat for Adapt IT, I might as well add one for Blue label.
  2. 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.
  3. 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.
  4. Spreadsheet Ranger

    Stock Watch Thread

    If you want to discuss individual stocks or ETFs then this will be the thread to do it. Anything related to the stock market really.
  5. 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.
  6. Spreadsheet Ranger

    South African Budget Speech 2019

    That is great news?
  7. 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.
  8. 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.
  9. Spreadsheet Ranger

    Anyone investing in Stadio?

    Almost Rekt.
  10. Spreadsheet Ranger

    Pembury Lifestyle Group (PEM)

  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

    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.
  13. Spreadsheet Ranger

    What are you eating?

    SO made a delicious pasta chicken and bacon.
  14. 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).
  15. Spreadsheet Ranger

    Best Ethereum Wallet

    Since the other tutorial on how to buy Ethereum I have been looking for a reliable wallet so I decided to test drive a few Ethereum wallets to see which one is the best in my opinion. The first wallet I used was the official Ethereum wallet - Ethereum + Mist I like the wallet is has all the bells and whistles and for that reason I do not recommend this wallet if you just want to own some Ether right now. Ethereum is very different to bitcoin. The first thing about Ethereum is that it is not just a digital currency. It is a blockchain-based platform with many aspects. It features smart contracts, the Ethereum Virtual Machine (EVM) and it uses its currency called Ether for peer-to-peer contracts. Ethereum’s smart contracts use blockchain stored applications for contract negotiation and facilitation. The benefit of these contracts is that the blockchain provides a decentralized way to verify and enforce them. Thus enabling you to create applications that run exactly as programmed without any possibility of downtime, censorship, fraud or third party interference. Ethereum’s smart contracts aim to provide greater security than traditional contracts and bring down the associated costs. The smart contract applications are powered by ether, Ethereum’s blockchain based cryptocurrency. Ether, as well as other crypto-assets, are held in the Ethereum Wallet, which allows you to create and use smart contracts. You as Joe Public just want an easy way to buy, store and send Ether. Enter the world of Jaxx, I ended up using this wallet for my Ethereum storage. It is incredibly easy to set up on your phone, tablet, desktop or Apple device. I installed it on my phone first and then paired it with the desktop app and it worked seamlessly. All keys are created on your local device and never sent to any servers. This means you have full control of your wallet and Jaxx neither holds nor has access to your funds. Before I ended up with Jaxx I tested Coinbase as well. Coinbase supplies an Ethereum wallet as well as a Bitcoin wallet. Coinbase’s wallet is simple to set up and very easy to use, however it has a few limitations you’ll need to be aware of: The company holds the private key of the wallet for you. This means you’re not in control of your funds and Coinbase can decide to shut down your account if they want to. There were cases in the past that Coinbase shut down user accounts do to illegal activity. The Coinbase ETH wallet doesn’t support ETC (Ethereum Classic). The Coinbase wallet was easy to use, but the risk is too much I would not recommend it. Another wallet that I tested was the Exodus wallet, Exodus is a Bitcoin and Altcoin desktop wallet with a beautiful design and an intuitive interface. When it comes to limitations for exodus keep in mind that it’s not 100% open source. Many components inside Exodus are open source, but not all of them. This means that the code doesn’t get reviewed in full by the community. Also the wallet is currently available only in a desktop version (no mobile version yet). Like Coinbase, Exodus does not support ETC only ETH. However, unlike Coinbase, Exodus is an independent wallet that stores the private key on your machine and not on any external sever. This means you have full control (and full responsibility) for your coins. Even though Ethereum has been around for a few years, as you can see from the variety above it’s not as popular as Bitcoin (yet). However, since Ethereum’s price is on the rise lately I guess we will be seeing more Ethereum wallets and exchange support for this currency soon. I am sure @BitcoinZAR will be able to give some feedback on what hardware wallets to use for storing Ethereum.
  16. 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.
  17. Spreadsheet Ranger

    Last seen movie and rating

    As described in the title... What is the last movie you saw and what rating would you give it?
  18. 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.
  19. 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.)
  20. Spreadsheet Ranger

    JSE Stock picks for 2019

    Following below is a selection of stocks that various industry professionals have picked to be their shares to buy for 2018. Please note this post in no ways endorses their selection of JSE stocks to invest in, but that is to be seen as an informative post for you to use in your own research. Mr Price - (JSE:MRP) Sasol - (JSE:SOL) Life Healthcare - (JSE:LHC) Shoprite Holdings - (JSE:SHP) Telkom - (JSE:TKG) Woolworths - (JSE:WHL) British American Tobacco - (JSE:BTI) Wescoal - (JSE:WSL) Aspen Pharmacare - (JSE:APN) Distell - (JSE:DGH) City Lodge - (JSE:CLH) Coronation - (JSE:CML) Sources: https://businesstech.co.za/news/finance/291986/8-long-term-stock-picks-for-2019-and-beyond/ https://www.fin24.com/Finweek/Investment/five-shares-for-2019-20181218 http://www.702.co.za/features/1/money/articles/49/buy-these-three-stocks-if-you-love-large-dividends https://www.businessinsider.co.za/this-is-the-best-place-to-invest-r10000-now-experts-say-2018-5 https://www.moneyweb.co.za/moneyweb-radio/stocks-to-watch-in-2019/ https://www.businesslive.co.za/bd/markets/2018-12-13-watch-stock-picks--sasol-and-jse-all-share-index/ http://www.capetalk.co.za/podcasts/201/the-best-of-the-money-show/172007/3-best-jse-shares-to-buy-at-the-start-of-2019 I want to add the Platinum Wealth Community picks as well. So suggest stocks that you believe will do great in 2018 and I will add them below. (I am adding L4L) Long4Life - (JSE:l4l) Discovery - (JSE:DSY) Dis-Chem - (JSE:DCP) ... Type the name of the share followed by down vote and it will be removed from the community list.
  21. Spreadsheet Ranger


    If you come accross any documentaries worth watching please post them here. This was quite nice to watch: [video=youtube]
  22. Spreadsheet Ranger

    What property ETF to buy?

    I am looking to add property to my portfolio again, in the past I owned PTXTEN, the TER on that ETF is 0.54% vs 0.25% for the Sygnia itrix global property ETF. What is the best property ETF to own going into 2019 for the next 10 years.
  23. Spreadsheet Ranger

    Socially responsible investing

    Socially responsible investing (SRI), or Social investment is also known as sustainable, socially conscious, "green" or ethical investing, is any investment strategy which seeks to consider both financial return and social good to bring about a social change. Do any of you take this into consideration when investing, example I know some people who refuses to invest in mines due to the bad conditions the workers are put through majority of the time as an example. Just curious to know what most think about this and if you feel this is your responsibility to be conscious about these things it normally feels a bit counter intuitive to me since I want the highest possible "legal" return on my investment since at the end of the day it is my future so if the company is operating legally then I feel I am allowed to invest in said company without the feeling of being judged. That said if the company refuses to pay workers and have a track record of shady dealings then of course I won't invest, but then again should that company be allowed to list in the first place? Surely there is a vetting process done before listing and during to ensure that a company needs to uphold certain principles to ensure me as an investor can sleep soundly knowing I invested in one of the JSE listed companies. Just curious what the general opinion is out there how do you approach this if at all?
  24. Spreadsheet Ranger

    DBX Japan (DBxJP)

    I have had the DbxJP ETF now since late 2013 and it has been a stunning ETF, but this past year the shine seemed to wear off and now I am just wondering where I can get more information about the Japanese Economy and what impacts them since I will be honest I bought this eft back then without much knowledge just based on recommendations and I was lucky as this was a stunning performer, but now being a little bit more grown up and having slightly more money at my disposal I want to learn/ understand more about this ETF and what makes it tick. Do any of you own JSE : DBxJP Benchmark Index The Index is a free float-adjusted market capitalisation index that is designed to measure developed market equity performance in Japan, representing companies with a total market capitalisation of approximately US$3 trillion. The MSCI Japan Index is recognised as a barometer of the Japanese economy and as the holder of db x-trackers MSCI Japan Index ETF; an investor will essentially track the Japanese equity markets. Top 10 holdings Sector allocation