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Bandit

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Everything posted by Bandit

  1. Bandit

    Buy wood Cape Town :: Khaya Fire Wood

    I'll monitor the thread just in case you open a JHB North branch
  2. Bandit

    Google Sheets share value

    Google finance uses their own "exchange code". On Google "JSE" means the Johannesburg Stock Exchange. The same thing nn Bloomberg, for example, would be SJ. https://www.google.com/search?q=jse:+mrp https://www.bloomberg.com/quote/MRP:SJ To get a share prices you need to know 1) where it is trading (JSE, Dow Jones, Nasdaq) and 2) the ticker on that exchange for it. Example: if I ask you Naspers' share price how would you know if I am talking about the JSE or A2X price? Or Lonmin who is trading on the JSE and the LSE: https://www.google.com/search?q=jse:+lon https://www.google.com/search?q=lse:+lmi
  3. Bandit

    Bloomberg Watchlist

    Assuming you mean this: https://www.bloomberg.com/markets/watchlist There is a pie diagram at the top. You can click on it (the center or outer segments) to either drill down or up one level. Below it you'll see a couple of tabs defaulted to "Summary". If you click on the "Edit" one you can add a new lot with the date and price (in cents).
  4. Bandit

    Your ETF portfolio

    I'm interested to know why and how you chose the ETFs you did. Most of us probably went on a similar journey of buying, selling and settling on a few. Some of us might jump on the "latest and greatest", others might open a Google finance graph, zoom out to 5 or so years and see a general upward trend which is good enough for a buy. So which ones do you own, do you know how they work, was it a mistake?
  5. Bandit

    Building a share portfolio

    So I'm looking to build a share portfolio (dividend or capital growth focussed...or both). I've got my ETFs, Unit Trusts, emergency funds etc. all sorted out and play with cryptos on the side. What I do not have is ownership of a single share to my name. So my new project is to set one up and split a monthly fee evenly between them as a start. My shortlist so far includes: DSY WHL NPN I'm looking for a couple more so any thoughts or reasoning behind some of those you hold will be appreciated PS: Shoprite and Redefine maybe?
  6. Bandit

    Your TFIA/TFSA

    So we're in our second year of Tax Free Savings/Investment Accounts being available. Would be interested to know what everyone is doing with theirs: their holdings/savings, strategy etc.
  7. So, a while back when CoreShares launched their own online platform I did a few tests, compared fees etc. and found a bug that they fixed. All good, and it turned out that they are cheaper than EE for bigger trade amounts. In the end I didn't use them any further because I already had EE and ABSA. But, since I think EE is a shiny Candy Crush Saga UI on a very manual platform and ABSA decided they hate smaller investors and introduced penalty fees I've been looking for an alternative. CoreShares came up again and I really like it as a platform to use for long term fuss free investment. But, I have concerns: 1. I picked up the issue where they were charging VAT or something (can't remember exactly) where they shouldn't, alerted them and they fixed it. 2. The UI back when they launched had an issue where once you reload/refresh the page you have to log in again. First I thought this part of growing pains and they'll fix it. Yesterday I logged in and the above issue is still there. 3. Yesterday I scheduled debit order to go off on the 3rd... they didn't. Not sure if I was too late or if it is broken. EDIT: Answer to this can be found in T&Cs - "New debit orders must be received by the 10th day of month to be effective the 25th of the month and the 20th day of the month to be effective on the 1st working day of the following month." 4. Some of their images do not display, instead there is a big grey box. Now, like I said, I like the platform and its potential but I have to question if CoreShares actually care about it or if it is just sitting there gathering dust and all their focus is on OUTvest. I can't be the only one picking up these issues. So, are any of you using them or is there somebody from CoreShares that can give us reassurance that this platform is a priority (or if we should migrate to OUTvest)?
  8. Bandit

    Black Friday 2018: The best deals in South Africa

    @Spreadsheet Ranger - a bit late but this might be a good deal (not that I think the retail price is R2000, but it still looks like a good deal) https://www.bidorbuy.co.za/item/387852035/Palsonic_12_Litre_Convection_Oven.html
  9. Bandit

    After Hours Banter

    A forum is not a forum without a thread where anything goes.
  10. Bandit

    Discovery Bank Account

    All the other banks breathed a sigh of relief. Apparently whites hold all the money in SA and after that I'm sure most won't rush to open an account. Funny thing though: there is white outrage (and f*cking rightly so) on Twitter but I do not see blacks taking joy in it or slamming the whites for being "racist" etc. Anyway, I just finished moving my life insurance to them not too long ago but in the past I've felt like moving my medical aid away from them. Won't do any knee jerk reaction but the case for exploring alternatives is much stronger than before where Discovery was seen as the defacto standard. Deep inside me I feel "filthy" knowing I'm helping to fund a company with racist policies - whether those policies come from a place of them trying to do something good or just a political cheapshot (bets on getting more black customers and get the whites anyway despite their outrage).
  11. Bandit

    Discovery Bank Account

    Now, if FNB doesn't penalise me via my home loan interest rate for moving my salary deposit to another bank and Discovery doesn't get weird with Vitality requiring a blood test to get a better interest rate, then I might move banks after being with FNB for years. But we'll wait and see...
  12. Bandit

    Thoughts on Bank Zero

    You can thank Bankserv for that
  13. Bandit

    FNB eBucks

    Anybody else noticed a drop in eBucks earnings the last two or so months?
  14. Bandit

    FNB eBucks

    I can tell you this: The more you spend the more eBucks you earn I've cut my spending by quite a bit and my eBucks *just* barely covers my banking fees atm. Some guys really get into it and earn a ton of them every month. Chasing eBucks reward levels can be a financial death trap, let me explain: To earn enough points (not eBucks) a month to reach the higher levels you need to meet certain criteria. Some are good (have x amount in investments accounts), some are easy (make sure you update your contact details) and other are pure evil (make use of your overdraft... WTF?!). So my "advice" would be this: Pick a bank that works for you. FNB is a great bank, everything is convenient, features like cardless cash withdrawals, nav >> Home/Vehicle etc. become essentials. Fees are important but put it into perspective: what is R100/R200 really? Investec is overkill but really, FNB gold/premier is great. NEVER CHASE LOYALTY POINTS. They're a nice extra.... just let it happen. Besides, the only thing I really do with my eBucks is buy lotto tickets.
  15. Bandit

    Black Friday 2018: The best deals in South Africa

    I have it on VERY good authority that Bidorbuy's link will be: http://bidorbuy.co.za/dotw/11411/BlackFriday
  16. Bandit

    Black Friday 2018: The best deals in South Africa

    https://en.wikipedia.org/wiki/Halogen_oven It was made to cook chicken! It's basically a table-top convection oven. Uses a halogen light for heat and air to bake/"fry" your food. No oil, nothing. Wife and I are on our third - both of us had older ones and then we got this bad boy (but I see the price is significantly less atm): https://www.pricecheck.co.za/offers/80927182/Homemark+Milex+Hurricane+Air+Fryer EDIT: It's loot running a special: https://www.loot.co.za/product/milex-hurricane-air-fryer-11-litres/czzd-5756-g990
  17. Bandit

    Black Friday 2018: The best deals in South Africa

    Skip the air fryer and get a halogen oven instead. Some of the more expensive ones like Milex's are called "air fryers" as well. Either way, it is the best thing you can buy for your kitchen. ...and then get the slow cooker. But skip the Air Fryer (Philips one?) and skip the pressure cooker (if you were so inclined as to get one).
  18. Bandit

    XBOX One vs Nintendo Switch

    If they were older they'd have suggested the PS4
  19. Bandit

    What effect will financing a vehicle have on my home loan

    Made no difference when I applied for my home loan. You list your monthly costs etc, they check how much disposable income you have left and if enough you get the loan (depending on other factor of course).
  20. Bandit

    What effect will financing a vehicle have on my home loan

    Why would this be any different from having a financed car while applying for a home loan? I stand corrected but it will only be relevant when it comes to the affordability calculation.
  21. Bandit

    JSE nears worst monthly performance in 10 years

    I've stopped buying SA ETFs altogether and sold them all (except for RA and pension). Last I checked STXQUA was down more than what it gains in a good year. Personally, I've got no faith in the JSE for the foreseeable future (this might mean you should buy because the opposite of what I plan for always happens).
  22. Bandit

    Satrix Momentum ETF

    EE definitely had an impact on the industry in the same way Cell C disrupted data bundle prices about 8 years ago. We thank them for it but that doesn't buy loyalty.
  23. Bandit

    Red Dead Redemption 2

    So who's got their pre-order downloaded and ready to go? The first RDR was one of my all time favourites! Been waiting forever and tomorrow is the day we get to play
  24. Bandit

    Satrix Momentum ETF

    I had to go fetch my "log" of the EE issues: 2016: Charged extra fees on ETFs they shouldn't have. Refunded clients after clients complained. 2016: Amount of shares in portfolio was less that trading statements showed it should be. 2017: Charged extra fees on ETFs they shouldn't have. Refunded clients after clients complained. 2017: Screwed up a corporate action and inflated the holdings of their "yousers". They only realised their mistake two months later. 2018: Processed dividend reinvestment a month late causing some users to have a zero balance. If they were a bank they'd get the full brunt of it from their clients, but I assume shares are a "foreign" concept for most so they get away with it. It's an appalling track record and just shows how manual (another assumption) their system really is.
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