Bandit

If they were older they'd have suggested the PS4

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).

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.

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).

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.

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.

From a MyBroadband post:

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 ?

How long does a change last on one of these?

I was hoping it was a typo: *30c

Well we didn't go down last year ? Bidorbuy: TBA

I cannot tell how little I care for South African focussed ETFs. Rather bring us more international ones. It's the one thing CoreShares is missing: a "focussed" offshore ETF like the Nasdaq 100. Once they have that I have no reason to be on EE anymore (seen their latest screw up? Can't wait to get off that platform....stupid Thrive emails filling up my inbox as well)

Project Finale (2018) Netflix Follows the hunt, arrest and trial of Eichmann (Ben Kingsley). 7/10

EDIT: I give up on this F**** forum leaving my posts blank and having to retype everything *sigh* Lemmer try again 1. Everything dropped this week 2. ETFs are a high risk investment so you need 5+ years to make it worth your while unless you mix it up with more conservative investments like bonds, cash etc.

Just be careful with using this as the default DNS on your router. A DNS service has: 1) access to your browsing history because you are asking them to resolve an IP for you and 2) can in effect return any site they wish for the name you provide, ie: you ask them for absa.co.za and instead of returning the correct IP they point you to an IP of a phishing site. Not saying that is the case here but if you are going to make use of a service like this (to bypass the law) you best be careful and restrict it only to the device you are watching Netflix on and not all your devices including your phone, laptops etc. which you use to share private details with and manage finances with.

ASHGEQ - Global 1200 companies. Includes some emerging markets. Most all round. STXWDM - Focussed on developed markets. Most people will buy this. STXNDQ - Nasdaq 100. Companies like Facebook, Tesla, Amazon etc. More focussed, more potential gain, higher risk.

If it reaches R11 a lot of people (including myself) are going to feel very poor...

180 on ETFs 180 on hedge funds 180 on Twitter...no wait, that was a 360

A paid off car is the best type of car...

9.85%. FNB and Nedbank came to the party, Standard Bank tried and ABSA...well, let's just say they don't want to do homeloans. Prime +2 something. Anyway, sold my SUV and bought a Swift. Payments and insurance came down substantially. So if you're driving an expensive car that you really don't need let it go (after making sure it will actually work the way you planned of course).

I do. Got int late so only up +3.07% My best so far: FFB: +32.20 % CLS: +14.96 % ILU: +10.58% Worst: RES: -58.21% KIO: -23.83% ADI: -17.81% Luckily we're talking about very small amounts ETFS are doing better: STXWDM: +8.25% STXNDQ: +7.73%

Bloomberg: https://www.bloomberg.com/markets/watchlist

If you look at the fact sheets for most balanced funds you'll see that they all seem to have a lower offshore exposure than domestic. Probably because most of the JSE is getting money from offshore anyway. EDIT *non reg 28 balanced funds

Nothing is 100% certain but the chances of ASHGEQ producing better income than GLODIV is highly unlikely. If you read up on the index GLODIV tracks it'll provide you with some insight. Where our local DIVTRX checks a company's 5 year history, GLODIV goes back 10 years within the S&P500. I speak under correction but I think it rebalances once a year but reevaluates the existing constituents every six months. More info: https://eu.spindices.com/indices/strategy/sp-global-dividend-aristocrats?geographicalregion=europe&compliancelevel=esma