Spreadsheet Ranger

MR Price Group Ltd is on special I am quite tempted

Doubt they stock Acana.

Where is the cheapest place one can buy this? I would like to buy it in bulk since all the places near me are ridiculously over priced

Are you stalking Simon Brown or is it all just pure coincidence? What are you talking about? /Goes google Whaaaat. I'll be damned. This was coincidence I was looking at this post: http://mybroadband.co.za/vb/showthread.php/703228-What-ETF-s-to-buy-in-new-TFSA-account?p=18232541&viewfull=1#post18232541 And then started to go through this: http://itradedata.co.za/index/i_etf.htm

Never realized the massive difference between New Funds Govi Resi and Satrix Resi ! One is a brilliant investment the other one is a utter failure.

I get that, but to me that still comes down to budgeting in a sense? If you swipe for burgers then that is essentially Groceries and if you swipe for Spur Ribs that will be essentially eating out and so forth, so you still need to keep track of where your "swipes" go in order to make it through the month otherwise you swipe to much for one thing and realize on like the 25th of the month if you swipe to buy eggs now you will be over the amount you can pay off when your salary arrives. Stupid examples, but what I am trying to get at is that if you use a credit card or a debit card or cash you still need to know how to allocate those expenditures in order to keep track of it all if that makes more sense.

My face Twitches. I do not like that thing at ALL, I do not own one either. I assume you still need to budget for it, because if you use a credit card simply to build credit then yea sure you look at the budget you see you can pay this and then you swipe the card and then deduct it from the budget, at least that is what I would have done? Otherwise you swipe and swipe and before you know these once of occurrences got out of whack and you are in dept unnecessarily. I try to build up what I call a "Cupcake Fund" it's basically my everything else fund it sits in a sub account in my Capitec bank account and I don't touch it unless it's items that does not fir any of my other categories and thus becomes "Everything Else". Basically any odd money I have around, services rendered on a weekend or bonus here or just a surplus from the previous month I will then allocate some into that fund. This is not the same as my emergency fund, the emergency fund is set in the budget where a pre-determined amount gets allocated to it by default. Thus my "Cupcake Fund" gets allocated a variable amount per month depending on other factors since it's just a cupcake and not an life emergency.

... Hey Hey

Mmm, very interesting addition these bots. So far the only one I found that is cool is: YouTube Audio Downloader https://storebot.me/bot/ytaudiobot TempMail https://storebot.me/bot/temp_mail_bot What bots do you use post them here.

I must say I like it a lot. More the web version on the phone I think I still like whatsapp simply because I am still more familiar with it I guess, but web.telegram.org vs web.whatsapp.com there is a very clear winner and it ain't whatsapp I can tell you that much! I was impressed when WhatsApp recently included the ability to send PDF files but that is no match to Telegram’s file sharing abilities. You can share almost any file types including documents, zip, PDF etc. on Telegram along with the usual media files. Also, you can send files up to 1.5 GB, unlike WhatsApp, where you can share files up to a meagre 160 MB. I also like the Super groups and public channels which is basically groups and broadcasting in whatsapp, but without the user limit so that is a plus!! I like the stickers and GIFFs, but use it wisely I think it can become a bit of a las, Giff I like since I often send screenshots of instructions in a giff form via imger since whatsapp does not support it. Also seems I can now edit send messages as well so you can simply press hold on a message you have sent and hit the “edit” icon to start editing the text. The edited messages will have an edited banner on them. Overall I think WhatsApp Pros: Calls Backup chats Massive user base End to end encryption everywhere Cons: Limited file sharing Not as feature-rich as Telegram Telegram Pros: Secure Overall more feature-rich Bots and great file sharing Better platform compatibility Cons: No calls support or ability to backup chats lacks user base Cute error messages too

So with WhatsApp about to share all your info to Facebook and going to introduce ads I need to get everyone over to something else. Does anyone here use telegram, how is it?

http://www.sharenet.co.za/v3/sens_display.php?tdate=20160825080000&seq=6

Hammerson is going to list on the JSE it will be the biggest Property fund on the JSE Hammerson will be the JSE's largest property fund. It has a market cap of £4.5bn (R85bn) and will overtake Intu at £4.2bn.

The Gupta family on Saturday said that no charges have ever been brought against them, referring to comments allegedly made by Finance Minister Pravin Gordhan to Treasury staff on Friday. Gordhan allegedly told Treasury staff at a meeting that the Guptas were attacking him because of the work the department was doing. Gupta family spokesperson, Gary Naidoo, said in a statement that the family is disappointed by the comments. “We have repeatedly pointed out that our family is a victim of a political campaign against it,” the statement reads. The family says it believes that “narrative has been constructed” against them and accused media houses of contributing to a “flawed perception” of them. “We repeat the challenge to our detractors – if you have evidence against us, please bring it,” the family’s response states. It further goes on to say that the family has no interest in politics - only business - while also requesting that the media leave the family alone. The Guptas say they fully believe in the rule of law and would gladly answer to any allegations made against them. News24 reported on Friday that Gordhan apparently also explained to staff that the Hawks had a faulty legal reading of the charges against him and there was no legal basis for their investigation. Gordhan's staff meeting came days after it emerged that the Hawks had asked him, his former deputy at Sars Ivan Pillay and four other senior former Sars officials to provide warning statements which can be viewed as a precursor to a suspect being charged criminally. News24 - http://www.news24.com/SouthAfrica/News/guptas-respond-we-have-never-been-charged-20160827

http://www.fin24.com/Economy/Eskom/nersa-appealing-eskom-tariff-judgment-20160825

JOHANNESBURG – South African President Jacob Zuma said on Thursday he has full confidence in Finance Minister Pravin Gordhan, who is under police investigation over a suspected spy unit at the tax service. Zuma said he could not intervene in the investigations despite the negative impact the probe has caused on the economy, according to a statement released by the presidency. The rand, which had tumbled since Tuesday in response to the investigation, extended gains to 1.3% after Zuma’s statement.

Ahh man! That is super! I hope Fin24 updates it.

What are Dividends

Better than being down double digits! Yay us!

Totally my DbXWD and dbxJP is finally making some movement! @Hamster how is your Dbx doing?

Same page!

100% agreed, my opinion; the sars unit uncovered dirt on now high ranking officials and thus needs to be silenced. As for the ratings agency, totally agree, this must be the last straw we deserve a downgrade our government has shown it has zero regard to the well-being of the economy and is only focused to protect themselves. I foresee a dangerous road ahead.

your CCO should be saying thank you Mr Gordan and the Hawks Indeed!! Whooop Whoop, however I am afraid the far greater effect of this will not be good as the Pravin is the only guy the markets trust and without him my money wont be worth much.

The potential arrest of finance minister Pravin Gordhan would be a disaster for South Africa, the Democratic Alliance (DA) and analysts have warned. “The fact that the minister has reportedly been requested to appear before the Hawks suggests he may be informed about possible charges and may face arrest”, said DA MP David Maynier. “The arrest of the finance minister would shatter investor confidence, risk a sovereign ratings downgrade and be a disaster for the already fragile zero growth, zero jobs economy in South Africa,” he warned. Maynier said the only option to get to the bottom of the allegations relating to the “rogue unit” is the appointment of a Judicial Commission of Inquiry in terms of Section 84 of the Constitution. The African National Congress (ANC) reformists seeking to stave off a ratings downgrade have been dealt a major blow by news. That is the reaction from economists Dawie Roodt and Peter Montalto, as well as political commentator Daniel Silke on Tuesday. The rand declined nearly 3.5% to R13.96 and is at a three-week low as a result of the news. “This is very bad news for us,” said Roodt. “The rand is reacting badly. This is not good for us.” Nomura emerging markets economist, Montalto told Fin24 that the rand will hit R17/$ by the end of the year. “There is no way the SARB will cut (interest rates) in a political climate like this,” he said on Tuesday. Treasury confirmed that Gordhan was summoned to “present” himself to the Hawks by 10:00 on Thursday, EWN reported. Former Sars deputy commissioner Ivan Pillay, group executive Johann van Loggerenberg and initial head of the investigative unit, Andries van Rensburg were also asked to report to the Hawks, Daily Maverick reported. Zuma is not directly linked to who the Hawks investigate, but political analysts believe the investigation has a political dimension to it ahead of next year’s ANC elective conference. It also comes as some members within the ANC – the reformers – attempt to keep South Africa from sliding into junk status, which would be disastrous for the country as an investment destination and would see an increase in inflation and unemployment. Silke said South Africa is “entering a danger zone for the reformers”. “We knew it would come down to the reformers to really act and provide concrete measures for ratings agencies not to downgrade us later this year,” he said. “These look like they are conflicting with those with who retain the status quo, Zuma and his inner circle.” Silke said the election put this all on ice, and with the dust hardly settling it has started again. “The danger is that any attack on the finance minister can plunge the country into a Nenegate scenario,” said Silke. “It means an extreme loss in confidence in our capacity to deliver a coherent economic policy. “Any attack on the finance minister just a few months ahead of ratings agencies could very well push us to junk status. They have repeatedly warned us against this kind of political meddling in Treasury and the position of finance minister. “If there is action taken against Gordhan or serious attempts to limit his power to keep him from restructuring the SOEs, it could signal to the ratings agencies a negative stance on SA,” he said. Montalto agreed. “It’s a pipe dream that the elections are positive for SA in the short to medium run,” he said. “The status quo survives and means … patronage and low growth. That is not positive.” Montalto said the factional war within the ANC was never over. “This is just the next step,” he told Fin24. “However the key thing to bear in mind is that this links with the SOE control move done (on Monday).” A report on Tuesday said Zuma would head up SOEs, but government said late on Tuesday that this was misunderstood. “To avoid any confusion, it is confirmed that the Inter-Ministerial Committee chaired by Deputy President, Mr Cyril Ramaphosa is responsible for overseeing the stabilisation and reform of state-owned entities,” Minister Jeff Radebe confirmed on Tuesday. Be that as it may, Montalto said the market does not understand that Zuma has the power. “He has the backing of the majority of the NEC to act (i.e. his own faction) and is swiftly seeking to stamp authority. He has the power to reshuffle Pravin Gordhan, but knows post Nenegate that he needs a narrative to do it (downgrades, Hawks case, etc) now but his power is there to do it still.” Montalto believes the “war” has some immediacy to it, as South African Airways – which Gordhan oversees – has a deadline to submit its annual financial results to Parliament on September 15. ‘No rift with Gordhan’ On Sunday, the Presidency said rumours of Zuma’s rift with Gordhan over a new board for SAA were false, after a report claimed that Hong Kong is about to ground all flights in the next two weeks due to the crisis at SAA. The allegation being reported is that Gordhan is withholding a R5bn Treasury guarantee – that will allow SAA to table its annual financial statements – until a new board that excludes controversial chairperson Dudu Myeni is approved by Zuma. “The Presidency and the National Treasury are working well together on this issue and are seeking solutions together,” it said. Montalto said Treasury will now “attempt to get popular, press and market support onside”. http://www.fin24.com/Economy/gordhan-blow-hits-rand-as-junk-status-fears-return-20160823

Cape Town – The African National Congress (ANC) reformists that are seeking to stave off a ratings downgrade have been dealt a major blow by news that Finance Minister Pravin Gordhan must present himself to the Hawks on Thursday. That is the reaction from economists Dawie Roodt and Peter Montalto, as well as political commentator Daniel Silke on Tuesday. The rand has fallen nearly 3.41% to R13.96 and is at a three-week low as a result of the news. “This is very bad news for us,” said Roodt. “The rand is reacting badly. This is not good for us.” Nomura emerging markets economist, Montalto told Fin24 that the rand will hit R17/$ by the end of the year. “There is no way the SARB will cut (interest rates) in a political climate like this,” he said on Tuesday. Treasury confirmed that Gordhan was summoned to "present" himself to the Hawks by 10:00 on Thursday, EWN reported. Former Sars deputy commissioner Ivan Pillay, group executive Johann van Loggerenberg and initial head of the investigative unit, Andries van Rensburg were also asked to report to the Hawks, Daily Maverick reported. Zuma is not directly linked to who the Hawks investige, but political analysts believe the investigation has a political dimension to it ahead of next year’s ANC elective conference. It also comes as some members within the ANC - the reformers - attempt to keep South Africa from sliding into junk status, which would be disastrous for the country as an investment destination and would see an increase in inflation and unemployment. Silke said South Africa is “entering a danger zone for the reformers”. “We knew it would come down to the reformers to really act and provide concrete measures for ratings agencies not to downgrade us later this year,” he said. “These look like they are conflicting with those with who retain the status quo, Zuma and his inner circle.” Silke said the election put this all on ice, and with the dust hardly settling it has started again. “The danger is that any attack on the finance minister can plunge the country into a Nenegate scenario,” said Silke. “It means an extreme loss in confidence in our capacity to deliver a coherent economic policy. “Any attack on the finance minister just a few months ahead of ratings agencies could very well push us to junk status. They have repeatedly warned us against this kind of political meddling in Treasury and the position of finance minister. “If there is action taken against Gordhan or serious attempts to limit his power to keep him from restructuring the SOEs, it could signal to the ratings agencies a negative stance on SA,” he said. Montalto agreed. “It’s a pipe dream that the elections are positive for SA in the short to medium run,” he said. “The status quo survives and means … patronage and low growth. That is not positive.” The worst part of this newest Gordhan mishegos is how South Africans have spent so much time lately proving we don't deserve this. A report on Tuesday said Zuma would head up SOEs, but government said late on Tuesday that this was misunderstood. “To avoid any confusion, it is confirmed that the Inter-Ministerial Committee chaired by Deputy President, Mr Cyril Ramaphosa is responsible for overseeing the stabilisation and reform of state-owned entities,” Minister Jeff Radebe confirmed on Tuesday. Be that as it may, Montalto said the market does not understand that Zuma has the power. “He has the backing of the majority of the NEC to act (i.e. his own faction) and is swiftly seeking to stamp authority. He has the power to reshuffle Pravin Gordhan, but knows post Nenegate that he needs a narrative to do it (downgrades, Hawks case, etc) now but his power is there to do it still.” Anyone prepared to take a bet on one year of our respective incomes: Hawks will never secure a criminal conviction against Pravin Gordhan. 'No rift with Gordhan' On Sunday, the Presidency said rumours of Zuma’s rift with Gordhan over a new board for SAA were false, after a report claimed that Hong Kong is about to ground all flights in the next two weeks due to the crisis at SAA. The allegation being reported is that Gordhan is withholding a R5bn Treasury guarantee - that will allow SAA to table its annual financial statements - until a new board that excludes controversial chairperson Dudu Myeni is approved by Zuma. “The Presidency and the National Treasury are working well together on this issue and are seeking solutions together,” it said. Montalto said Treasury will now “attempt to get popular, press and market support onside”. The potential arrest of Gordhan would be a disaster for South Africa, warned the Democratic Alliance (DA) on Tuesday. "The fact that the Minister has reportedly been requested to appear before the Hawks suggests he may be informed about possible charges and may face arrest", said DA MP David Maynier. "The arrest of the finance minister would shatter investor confidence, risk a sovereign ratings downgrade and be a disaster for the already fragile zero growth, zero jobs economy in South Africa," he warned. Maynier said the only option to get to the bottom of the allegations relating to the “rogue unit” is the appointment of a Judicial Commission of Inquiry in terms of Section 84 of the Constitution. Fin24 http://www.fin24.com/Economy/gordhan-blow-hits-rand-as-junk-status-fears-return-20160823