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Bandit

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Everything posted by Bandit

  1. Everything foreign, but not because the Rand is going to tank. Your house, RA, pension etc. are all either completely or almost completely in South Africa and with your TFSA being (relatively) such a small portion off your wealth you can just as well push it all offshore. Think I may have mentioned that a couple of times before so I might be starting to sound like a broken record.
  2. Opened mine on the 19th of November and moved my R1,500 to a Goal Save account. Started at 6% interest and then moved to 7%. Waiting for the 19th of this month and then I should be on 9%. Not sure what happens when I deposit more money into that account (if the interest rate resets, carries on at 9% or if there is some other mechanism keeping track of deposits and their respective interest rates). Do I trust them with my money? Well... I guess. Not planning to put to large a percentage of my money there but 9-10% interest beats almost everything out there. It even makes you wonder if it is worth buying Solar panels via FedGroup
  3. You are either trolling or having a brain fart.
  4. I'll monitor the thread just in case you open a JHB North branch
  5. 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
  6. 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).
  7. @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
  8. 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).
  9. 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...
  10. 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.
  11. Anybody else noticed a drop in eBucks earnings the last two or so months?
  12. I have it on VERY good authority that Bidorbuy's link will be: http://bidorbuy.co.za/dotw/11411/BlackFriday
  13. 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
  14. 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).
  15. If they were older they'd have suggested the PS4
  16. 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).
  17. 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.
  18. 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).
  19. 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.
  20. 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.
  21. 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 ?
  22. How long does a change last on one of these?
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