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Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! ¡Volvemos una semana más al Backstage! Hoy Monroy nos cuenta su paso por uno de los bosses más complicados del Wukong para poco después contaros la increíble odisea de la mudanza de Davidenko. Desde luego Robi se está ganando el cielo. Finalmente, comentamos de pasada el DWT de Jordi Wild y las partes que más y menos nos han gustado. ¡Arrancamooos! Redes Sociales: Instagram: https://www.instagram.com/puente4podcast/ X: https://twitter.com/Puente4Podcast iVoox: https://www.ivoox.com/s_p2_1105139_1.html Discord: https://discord.com/invite/PVJfnzBE82 Patreon: https://Patreon.com/puente4podcast Youtube: https://www.youtube.com/channel/UCgIHIhM0CmCWOFe0qWt2eBg TikTok: https://www.tiktok.com/@puente4podcast? Reddit: https://www.reddit.com/r/Puente4Podcast/Escucha este episodio completo y accede a todo el contenido exclusivo de Puente4Podcast. Descubre antes que nadie los nuevos episodios, y participa en la comunidad exclusiva de oyentes en https://go.ivoox.com/sq/1105139
Well, now the senate Democrats are getting the hang of it. Instead of just granting unanimous consent to end debate, allowing the Republicans to to ram through D'ump's horrendous cabinet nominees, it seems that they're finally getting in the fight. The debate began yesterday morning at 10:30am ET. They went all night long and are still going strong. The rules allow up to 30 hours of debate, so the Dems are apparently going to use every one of those hours to slow down the process. The judiciary branch - you know, one of the three CO-EQUAL branches of government has also begun stepping up to stop the convicted felon in the White House from gutting the 14th amendment, blocked Trump's co-president Leon from further accessing government databases, pushing tonight's ridiculous buyout offer for federal employees to resign, setting a new hearing for Monday. And the filibuster is delaying the vote on Project 2025 architect Russell Vought's nomination to be the new Budget Director. And there's more... It's Thursday, so Howie Klein joins us from DownWithTyranny.com and the Blue America PAC to weigh in on what he's writing about at DWT too.
Mich haben Maike und Ben besucht und wir haben geredet. Beide um die 30, sie oben, er unten, verheiratet, aus dem Norden.. - So simpel, so normal. Heute sind beide voll in der Szene und engagieren sich im Weser Ems e.V., einem Verein für BDSMerInnen. Der Weg dahin war definitiv ein Marathon. Noch bevor BDSM und die Frage nach der Rollenverteilung kam, musste Ben seine weibliche Seite erst ein mal zeigen. Ein Outing mit viel Herzklopfen. Natürlich gibt es das Ding der Woche und das A oder B-Spiel. Die Shownotes enthalten mehr Infos, Links und Bilder. Wenn Dein Player die nicht anzeigt, schau mal hier: https://kunstderunvernunft.de/262-maikeben Podcast-Webseite: https://kunstDerUnvernunft.de Unterstütze die Unvernunft, damit sie weiterhin vollständig und frei für alle erscheint: https://kunstderunvernunft.de/about/donate Instagram: kunstderunvernunft
Mich hat fabelARTIGwesen besucht und wir haben geredet. Sie ist 37 Jahre alt, kommt aus der Hamburger Ecke und ist ziemlich (aber nicht nur) devot. Wir sprechen über die Anfänge, Beziehungen von Vanilla bis Dramatisch und dann über eine entscheidende Änderung: Der edle Ritter, wir nennen ihn den Gatten tauchte auf und wer meint, dass es ab da ruhiger und langweiliger würde, liegt komplett daneben. Wie ging sie damit um, als der Gatte seine Seite als Elvira zeigte, wird für viele von euch extrem spannend sein. Von Elviras mentaler Beerdigung bis zur furiosen Wiederauferstehung ist alles dabei. Natürlich gibt es das Ding der Woche und das A oder B-Spiel. Bonus Der Gatte hat die Folge inzwischen selbst gehört und noch einen kurzen Audiobeitrag mit seiner Sicht ergänzt. Die Shownotes enthalten mehr Infos, Links und Bilder. Wenn Dein Player die nicht anzeigt, schau mal hier: https://kunstderunvernunft.de/260-fabelartig Podcast-Webseite: https://kunstDerUnvernunft.de Unterstütze die Unvernunft, damit sie weiterhin vollständig und frei für alle erscheint: https://kunstderunvernunft.de/about/donate Instagram: kunstderunvernunft
Como cada semana, tertulia en The Wild Project, con las noticias más interesantes de los últimos días. En este capítulo: Jordi Wild revelará la gran cantidad de dinero que le ha costado el DWT 2nd Impact y cuánto ha perdido con ello (es feliz igual); Se hablará de la barbárica revuelta pandillera de Haití; Se analiza la extraña salida del vicepresidente económico del Barça con José Elías, su ex-jefe que puso 40 millones para Laporta; Se cumplen 10 años de la desaparición de repente en el cielo del avión de Malysia Airlines, un misterio aún sin resolver; El actor que hizo de Anakin Skywalker en la precuela está actualmente en un centro psiquiátrico; Un millonario construirá el Titanic 2, una recreación del original en el que podrás ir (esperemos que sin accidentes); Debate sobre los sindicatos en directo... y mucho más. ¡No te lo pierdas! Learn more about your ad choices. Visit megaphone.fm/adchoices
Eduardo Riego habla sobre dominar el miedo en situaciones difíciles, basándose en sus experiencias personales. Su experiencia en DWT y el 3 contra 1 y destaca la importancia de controlar el miedo como una reacción fisiológica y aprovecharlo de manera efectiva
Eduardo Riego, policía y el héroe de DWT 2nd Impact que ganó a 3 luchadores a la vez, visita a Jordi Wild para un podcast en el que hablarán, y mucho, sobre la policía a día de hoy, y por supuesto del evento por el que se ha hecho conocido Eduardo. Analizarán cómo combate la violencia la policía, cómo reducir a alguien que quiere viene hacia ti armado y a punto para terminar contigo, en qué situaciones pueden disparar con pistola, lo duro que puede ser estar en el cuerpo mentalmente, casos de brutalidad policial como el de George Floyd, si es cierto que en los últimos años ha aumentado la peligrosidad en el país, el aumento de agresiones de casi un 200% en un año... Además, Eduardo contará anécdotas como policía, alguna absolutamente surrealista, que os van a sorprender. Y todo esto sin olvidar el análisis en detalle del 3vs1 del DWT 2 que ha dado la vuelta al mundo. ¡No os lo perdáis! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome to another episode of DWT where Tommy and Nate discuss Super Bowl 58, nostalgic music, and how to gauge appropriate content for their children.
Primera tertulia del año en The Wild Project, como siempre con las noticias más interesantes de los últimos días. En este episodio: La gran noticia de la semana ha sido, sin duda, la liberación de casi mil páginas del caso de Jeffrey Epstein, que ha añadido nombres (algunos muy inesperados como Stephen Hawking) a una trama terrible de trata de blancas a nivel mundial; Una chica trans llora desconsolada por redes porque un chico la ha rechazado por su condición, y se genera un debate alrededor; En un giro de los acontecimientos brutal, la manager del genio Canserbero reconoce haber asesinado al artista después de un enfado con él; Los ESLAND seleccionan DWT como uno de los eventos del año; Se encuentra el animal más viejo de toda la Tierra con más de 500 años de vida (y no es papa giorgio); Una mujer se enamora de un árbol; Una terrible novatada de un prestigioso chef alerta a toda Francia... y mucho más. ¡No te lo puedes perder! Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of DWT, Tommy and Nate discuss early childhood memories and the dangers of always being offended.
On this 50th Episode of Dads Who Try, Tommy and Nate go live on IG and TikTok and spend time talking to the DWT community responding to questions, shouting people out, and talking about the struggles of starting a podcast while being parents.
In this episode of DWT, Tommy and Nate talk about the signs of being ready to be a parent and take to their audience to hear the best ways to keep the house clean!
The largest liquefied natural gas (LNG) warehouse in Vietnam, capable of accommodating vessels of 100,000 DWT, has been inaugurated in Ba Ria-Vung Tau Province.
In this week's episode of Law.com's Legal Speak podcast, Law.com legal technology reporter Isha Marathe speaks with Vid Prabhakaran, Davis Wright Tremaine partner and member of its AI steering committee; and Dan Szabo, the firm's director of enterprise projects, about DWT's very own chatbot that looks a whole lot like ChatGPT.
In this episode of Dads Who Try Tommy and Nate discuss all the hijinx that come with being fathers and reply to questions from the DWT community.
Como cada semana, tertulia en The Wild Project con las noticias más interesantes de los últimos días. En este episodio: David Suárez se estrena como tertuliano y explica qué pasó realmente con Tiparraco y cómo fue recibido su roast de DWT; Crean una Inteligencia Artificial cuyo objetivo es la Dominación Mundial y la aniquilación de los humanos, tal cual; Un buceador graba como su pareja es mordida por un tiburón mientras nadaba en Maldivas; Laporta da la cara y explica qué pasa con el caso Negreira; Controversia al saberse los sueldos de Pedro Pascal y Bella Ramsey en The Last Of Us; Un perro tiene que ser tratado por su adicción al alcohol, de verdad; La gran polémica del Dalai Dama y un chaval... y mucho más. ¡No te lo pierdas! Learn more about your ad choices. Visit megaphone.fm/adchoices
An exploration of DWT's restoration of aqueduct cottage and its connection to Lea Woods.More info can be found at https://www.facebook.com/groups/335195166865014
In this mini episode of DWT we take a look at three ways we can stunt our children's growth.
En el episodio 50 de Hablemos LIVE, Danny Segura contesta sus preguntas acerca del fichaje entre Beneil Dariush vs. Charles Oliveira, la victoria de Erin Blanchfield sobre Jessica Andrade, el DWT de Jordi Wild, y mucho más.
En el episodio 50 de Hablemos LIVE, Danny Segura contesta sus preguntas acerca del fichaje entre Beneil Dariush vs. Charles Oliveira, la victoria de Erin Blanchfield sobre Jessica Andrade, el DWT de Jordi Wild, y mucho más.
On this 31st episode of DWT, Tommy and Nate are joined by returning guest Zach Franklin! Tune in as they discuss parenting with confidence, building connections with their kids, and laughing a ton!
On this episode of Dads Who Try, (brought to you by Manscaped.com/dadswho), Tommy and Nate are joined on the golf course by good friend and fellow Dad Who Tries, Balem Barretto. Tune into this unique Happy Gilmore Edition of DWT!
It's Thursday, the day of the week that Howie Klein joins in. Howie was president of Reprise Records when I first met him, probably 25-30 years ago in LA. So our discussions often veer off into the music world. Just some context there. Since leaving Reprise and Warner Bros, Howie's been ensconced in progressive politics. He blogs at DownWithTyranny.com and runs the Blue America PAC along with Heather Digby Parton and John Amato. His latest piece up at DWT is "Good for American: More Ro Khanna, Less Herschel Walker." That sounds like a good place to start today's discussion...
AB tarihindeki en kötü enerji krizini ve ekonomik sıkıntıları yaşıyor. Bu iki alandaki gidişat konusunda hiçbir olumlu emareyi de göremiyoruz. Gözler Avrupa'nın tedirginlikle beklediği 2023 kış mevsimi öncesinde, Çekya'nın dönem başkanlığında, 30-31 Ağustos tarihlerinde Prag'da gerçekleştirilecek AB Gayriresmî Dışişleri Bakanları Toplantısı (Gymnich) sonuçlarına çevrildi. Toplantı öncesinde yine Prag'da 29-30 Ağustos tarihlerinde düzenlenecek ve AB'nin ortak güvenlik ve savunma politikalarındaki gelişmeler hakkında görüş teatisinde bulunulacak olan AB gayriresmî Savunma Bakanları Toplantısı da dikkat çekici. AB, enerji ve ekonomi alanlarında tarihindeki en kötü dönemi yaşarken, önceki yazılarımda dikkat çekmeye çalıştığım ve Türkiye'yi doğrudan ilgilendiren konularda AB'nin açıklamalarında görmeye alışkın olduğumuz meşhur “AB dayanışması”nın sergilenememesi durumu daha da vahim hale getiriyor. Rus petrolüyle ilgili AB yaptırımları ancak altıncı pakette ve birçok istisnalarla birlikte kabul edilirken, Yunan tankerleri Ukrayna savaşının ilk doksan gününde Rus petrol taşımacılığındaki payını üç kat arttırdı. Hatırlarsanız, 19 Mayıs tarihli yazımda, Yunan petrol tankeri filosunun 45,786 DWT tonaj ağırlığındayken (yaklaşık 400 petrol tankeri), Türkiye'nin tankerlerinin sadece 1,698 DWT tonaj ağırlığına sahip olduğunu (100 kadar), komisyon koridorlarında gezen Yunanlıların iddia ettiği gibi AB üyesi ülkelerin petrol taşımacılığı yapmadığı takdirde boşalacak alanı Türkiye'nin derhal doldurabilmesinin kısa vadede teknik olarak imkânsız olduğunu, ancak Yunanistan'ın kendi çıkarlarını korumak için Türkiye korkusu üzerinden AB'yi esir almaya çalıştığını dile getirmiştim. Yazımda, dünya denizlerinde petrol taşımacılığı yapan tankerlerin %26'sına sahip Yunanistan'ın petrol taşımacılığı sektöründen ciddi gelir elde ettiğini, bu gelirlerin büyük bir bölümünün de Rusya'nın Güney Kıbrıs Rum Yönetimi (GKRY) bankalarında açtığı sayısız hesapta işlem gördüğünü de belirtmiştim. Ayrıca, GKRY'lilerin en büyük korkusunun Ruslara ait adadaki banka hesaplarının boşaltılması olduğunu vurgulamıştım. Bu kez AB'nin kuzeydeki üyeleri Rus halkına vize yasağı koyulmasını gündeme getirince bilin bakalım vize yasağı önerisine AB içerisinde kimler şiddetle karşı çıktı? Elbette Yunanistan ve GKRY. Yunan ve Rum lobileri, Rus oligarkların Türkiye'nin kıyılarında gezerken demirledikleri yatlarının fotoğraflarını son dönemde sıklıkla paylaşıp, konuyu ABD ve AB nezdinde gündeme getiriyorlar. Ancak, Yunanistan ve GKRY'nin görmezden geldiği, bu yatların nerede kayıtlı olduğu, yatların hangi ülkelerdeki banka hesaplarından satın alındığı, bakım ve işletme giderlerinin, sigortacılık hizmetlerinin ve yakıtlarının hangi banka hesaplarıyla karşılandığı. Elbette adres GKRY bankaları. İşte bu nedenle Yunanistan ve GKRY Ruslara vize yasağına şiddetle karşı. En büyük korkuları Rus sermayesinin Rum bankalarını terk etmesi.
In this episode of the SNCJ Legislative Deep Dive, host Rich Ehisen welcomes Alexandra Barrage, a partner with Davis Wright Tremaine LLC in Washington D.C. to discuss the state of cryptocurrencies in the midst of the so-called "crypto winter," and more specifically to talk about state and federal efforts to create some form of regulatory framework for a marketplace that has often been described as the digital wild west. Barrage co-leads DWT's Crypto Working Group and counsels clients on resolution planning, regulatory risk, third-party risk management, digital assets, and bankruptcy matters. Previous to that, she was with the Federal Deposit Insurance Corporation, where she was the Associate Director of Policy for the Division of Complex Institution Supervision and Resolution. While crypto is down, it is hardly out. The industry is still raising billions of dollars in venture capital, and is in fact poised this year to top last year's record total of $26.9 billion. States are also getting into the act, with many working to grease the wheels for crypto in their jurisdictions. According to the National Conference of State Legislatures, 37 states this year collectively introduced around 150 bills dealing with cryptocurrency and digital assets. Meanwhile, governors like California Gov. Gavin Newsom are also jumping into the fray via executive order. And after years of taking a hands-off approach, there are now a handful of bills in Congress as well.
Was ist das MarketMatching Packages für R und Python? | DWT und Causal Impact vereint | Am Beispiel erklärt
Warum Keuschhaltung und die Sissification so unfassbar nahe zusammenstehen, darauf möchte ich in dieser Folge eingehen. Eine keusch gehaltene und verweiblichte Sissy-Sklavin zu sein, hat so unendlich viele Vorteile. Auf diese Werde ich genau eingehen und Dir ans Herz legen, gerade, wenn Du Deine Verweiblichung auf die nächste Stufe heben möchtest und nicht nur "einfach mal gerne Damenwäsche trägst und DWT bist". Möchtest Du Dich von und mit mir bei Deiner Reise der Feminisierung begleiten lassen? Dann besuche mich gerne auf https://www.sissy-werden.com
DWTürkçenin, İspan-ya'nın Fas'taki iki özerk şehrinden biri olan Melilla'da yaşanan katliamdan bahsetme biçimi bana hiç şaşırtıcı gelmedi. Haberi servis ettiği başlık şu: “İnsan hakları örgütleri Melilla'daki facianın soruşturul- masını istiyor.” Haberin içinde de olan bitinden “izdiham” olarak söz ediliyor zaten. Bu böyledir ve seneler içerisinde hiç değişmemiştir. Öyle ya da böyle, sınırı aşmaya çalışan insanların üzerine ateş açıldığı, 37 kişinin öldüğü, Faslı polislerin yaralı insanları dahi copladığı gerçekleri ayan beyan ortadayken, durum öyle gerektiriyorsa “katliam” yerine “facia” kelimesini kullanırsınız. Çünkü bu lanetli dünyada her şey politiktir. Hele hele işin ucu bir Avrupa ülkesine dokunacaksa çok daha fazla politiktir.
Everything you need to know about the Baltic Dry Index! What is the BDI? BDI is simply daily dry bulk shipping rates— which reflect the supply/demand of dry bulk vessels. It's an index which measures the average cost of leasing ships to transport ‘dry bulk' cargo (I.e. coal, iron ore, grains, etc). It measures costs of transporting various important raw materials by sea (e.g. coal, iron ore, grain) - It takes into account shipping routes, timing of delivery, ship capacity, and is a widely used benchmark in shipping. What are the ships? Capesize: the largest ships in the BDI with 100,000 deadweight tonnage (DWT) or greater. The average size of a Capesize ship is 156,000 DWT Panamax: have a 60,000 to 80,000 DWT capacity, and they're used mostly to transport coal, grains, and minor bulk products such as sugar and cement. Supramax/handysize: These ships have a carrying capacity of 45,000 to 59,999 DWT. Major dry bulk commodities include iron ore, coal, and grain - two-thirds of global dry bulk trade. Minor bulks include steel products, sugars, cement The BDI is good to pay attention to, but its not the whole inflation story. Its a divergence between things - so its expensive to be a human still, but its good to have pressure easing in some areas
Trending today, "Better Call Saul" star, Bob Odenkirk, back on set after heart attack. "Dancing With The Stars" announces the star dancers for their 30th season. Former E-News host Jason Kennedy now expecting after fertility issues. 55-year-old supermodel, Cindy Crawford recreates iconic 29-year-old Pepsi ad for charity. Next, "Debris" star Jonathan Tucker pops into Doug's studio, with an update on current projects. Former "Blue Clue" child voice actor, Steve Burns makes video for his now, adult fans. Also trending, one of Doug's former co-hosts, Roberta Facinelli offers an update of the hurricane damage to her home in New Orleans.
Ian Pringle reads some articles from the Derbyshire Wildlife Trust Membership magazine. www.ianpringlevoiceover.comOpening music by Sarah Matthews and Jo May of Intarsia https://www.facebook.com/IntarsiaFolk/You can find out more about DWT at https://www.derbyshirewildlifetrust.org.uk/
This week MLVC is happy to welcome dancer, choreographer and recording artist Anthony Rodriguez to the podcast. Anthony performed in Madonna's Drowned World Tour and was featured prominently in the iconic flamenco dance solo during La Isla Bonita. Anthony talks about his background in dance, reminisces about the NYC club scene, shares some stories from the DWT and also talks about his career as a singer and releasing new music under the name Antaeuz. Follow Anthony on Instagram: @worldofantaeuz Follow MLVC on Twitter & Instagram: @mlvcp
Nach einem zweiwöchigen Sabbatical kehren Frau Liebe und Monsieur Beer zurück ohne dabei ein Stück sauberer geworden zu sein. Aus diesem schöpferischen Hiatus entspringen so grenzgeniale Kunstwerke wie der Titel dieser Episode.Diese Folge wird wieder einmal bunt, das Thema Farben hat sich wie ein Regenbogen oder ein hübscher Tropfen Benzin in einer spätwinterlichen Matschepfütze in den Content ergossen.Auf Seite drei erfahrt ihr dann, ob Frau Liebe eine DWT ist oder nicht. Und ob Monsieur Beer gerne ein DWT wäre. Oder nicht.
We are still running our survey. Please take two minutes to help us here. Around the beginning of every year we notice a strange phenomenon. Energised by the holidays and inspired to turn life into an everlasting vacation, investors start searching for the investment Holy Grail. “What is the one, hot thing that will finally liberate me from the shackles of employment?” The opportunity that generates the most excitement changes every year, but the pattern is the same. Newbies and impatient veterans alike flock to alternative assets, penny stocks or underdog listed companies believed to be the next hot thing. This is an especially alarming tendency in first-time investors who have no other savings or investments to fall back on. Some of the questions we've seen this year are: Is it wise to buy Aveng shares now? Has anyone invested in the alternative stock exchange on the JSE? If you have, how does it work ? I'm looking to invest in penny shares through my bank FNB, how do I go about that? How do you buy "Doge Coin"? I don't know a lot about it but I just wanna try it out. What makes this question complicated is that there are sometimes hot things that run forever. By the time the rest of us wake up to the opportunity, it's over. How can we tell what has the potential to be the next hot thing and what is sure to wipe out our investment? Here are a few tips we identified throughout the course of our conversation: Do you have an investment strategy unrelated to this opportunity? If you have an existing investment strategy, have you confirmed that this purchase fits into your long-term investment plans? Why are you considering this? If it's only because someone else said so, do more research. Can you afford to take this risk? Only consider it if you can afford to lose 100% of your money. Are you considering this because a company called you about it? If it were really that great, would it need a marketing strategy? Is it listed? If it's a penny stock (a stock whose share price is only a few cents), has the price been steadily increasing over a period? Remember, for something to be a ten-bagger, it first needs to be a one-bagger. What are the fees on this investment? Your fees have to be deducted from your returns before you get your real return. What is your investment horizon? If this is part of your long-term investment strategy, will this product be around for long enough? How do you get out of this investment? Some over the counter (OTC) products can only be sold under certain conditions. A 100% profit is worth 0 if you can't cash in your investment. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the week: Wesley W Hey Buckles (better combined name than Chubbles...) If one assumes a dividend yield of +- 2% and you pay foreign DWT of 30%, then the effect would be a DWT of 0.6% (30% of 2%) of your total investment. If you were to have this in your TFSA you could almost treat this as an additional cost to your TER for comparison sake. If the index did poorly and no dividends were paid the extra cost of DWT wouldn't apply, but based on a long-term investment that yields the 2% dividend average, you could factor in what you're losing out in tax as per the below. E.g if you were choosing between MSCI World vs Ashburton 1200 you could compare the costs as follows: Ashburton = TER = 0.55% p.a MSCI World = 0.6% DWT + 0.35% TER = 0.95% p.a I initially went for the MSCI world in my tax free account based on TER difference and assuming the DWT might be minimal but now that I look at the numbers it seems I might have been mistaken. Vincent Will the government increase the 1/3 of the lump sum value withdrawal on maturity of an RA? What is 500k going to be worth in 40 years? It seems pointless to take out an RA when the withdrawal amount is not adapting with inflation each year or at least increasing to cater for the cost of living? I'm doing the RA thing, but only until my TFSA lifetime limit is reached via all my rebates from SARS [13 years to go]. Thereafter I'll stop contributing to the RA. RAs aren't podium investments, but should I set the quality of growth in an RA aside and see the tax break as the big win? Would you say that having an enormous amount of money well distributed in ETFs is the way to go when debts, TFSA, RA and emergency funds are sorted? You'll have this major asset base ready to sell when the tekkie hits the tar. You'll pay CGT and Dividend tax at most, and both will be lower than your marginal tax rate. Dividend payouts or general interest/capital gain can be used as your monthly income, versus monthly annuity payouts as you'll probably outlive your RA and never use/see the full value. Stephen I see Long for Life have an aggressive share buyback strategy. Berkshire Hathaway and others also utilise this mechanism to boost their share price - I assume. From my observation it normally illustrates that the company believes their share is undervalued. However, can this not also be seen as insider trading? What's to stop a company initiating a share buyback when they know there is something big in the pipeline? Are there corporate governance processes in place to stop this happening? I just don't know if we as investors should see a share buyback as a buying opportunity. Hendrik I am trying to understand the NFGovi ETF. I am looking for a high as possible risk-free income yielding investment for my in-laws, whose capitec 49-month deposit at 10.25% is about to lapse. The renew options look very poor under current circumstances and I am struggling to find anything north of 8% that defends capital. I am aware that nfgovi etf does not guarantee capital and there is price movement risk. I would just like to wrap my head around that option and understand all factors. Wesley Instead of two RA accounts which was my plan, rather a much larger single account. At 55, immediately convert this large RA to a living annuity. Growth in the account is still tax free, as is income and Dividends. Adjust asset allocation of this big LA to get more international diversification. (I expect a significant amount of my spending to be in other currencies so global is a basket of currencies, which is ideal.) If I don't want additional income and tax burden, set the distribution to the minimum percentage allowable eg 1.5%. Contribute to a new RA account to offset the tax burden of this excess income. My LA + RA asset allocation in aggregate can have geographic diversification, can be better matched to my spending and I have control of my income / tax. If the tax free lump amount is adjusted upwards, check if I need to contribute extra so that 1/3 takes advantage of the adjusted tax table, then retire from this RA the following month. Repeat as necessary. This will get the significant tax free lump sum(s) out as soon as possible, which seems ideal to me. I can spend this lump sum cash initially while deferring higher withdrawals and therefore higher tax from the LA(s) to squeeze out a bit more tax free compounding. Craig Despite my attempts at getting them to increase it sufficiently enough so I don't need to go through it every month, I fail. It seems it might all be automated with fixed rules, as the “agents” never really seem to read or acknowledge my pleas / questions. They just ask for payslips and bank statements then I get an email saying it's all sorted. Rinse & repeat the following month. Have you guys heard anything about this process? How would you suggest I explain to them why the percentage they have chosen should not apply to me, as previous attempts of mine have all failed? I'm wondering if once your portfolio hits a certain size or if your monthly contributions are over a certain size, if it might be better to go with another provider? Do you know if other providers also make you jump through these hoops to spend your money on ETFs? Brett I have just been sent an email from the money transfer company I use. I am not sure if this is new regulation that has been put in place. I am a SA tax payer, but am starting to rethink this decision. Can you confirm that this new tax has in fact been put in place?
Cheers and nerdy beers, future boy! We've got some beer science with future and past themed beers, we're cleaning out our cellar, talking Super Bowl prop bets, and getting drunk at school.Ally kicks off the hydration with a local beer from her hood; she's drinking Lethe, a Kellerbier from Solaris Beer & Blending.The crew talks about a pop-top fundraiser that's perfect for drunk people. Ally finds out that not only are girls drunker than guys, but they are loved by dogs more as well. Greg talks about the horrible Pliny the Younger shopping experience and his big cellar cleanout. Scott is sipping on Simtra TIPA from Knee Deep Brewing.In Tech Talk: Apple is finally making it possible to unlock your phone while wearing a mask. Look out for iOS 14.5.In Sports News:•Kansas City is still favored to win over Tampa Bay.•The big Super Bowl prop bets.•Jason Witten retires (again).•MLB has issued a 154 game season proposal.Greg is putting on the lab coat and conducting some critical beer science! He's rocking a two-part collaboration from Topa Topa Brewing Ventura, CA, and Casa Agria Specialty Ales from Oxnard, CA. First is Topa Topa's The Way Forward Is Back, a clear East Coast IPA. Next up is Casa Agria's The Way Back Is Forward, a Hazy West Coast IPA. And for the final touch, a combo of the two, great Scott!In Booze News:•Anheuser-Busch has cut all Budweiser Super Bowl ads.•Boulevard Brewing is in hot water over sexual harassment. •A substitute teacher is arrested for a DWT.Cheers to Thousand Oaks, CA, for being our top listening city for last week!Don't forget to check us out at www.theunfilteredgentlemen.com and follow us on our social medias for some great beer shots: www.facebook.com/theunfilteredgentlemen, @unfilteredgents on Twitter, and TheUnfilteredGentlemen on Instagram! We want you to drunk dial us at (805) 538-BEER (2337); we'd love to hear from you! Make sure to follow @ally.in.cally.
There's nothing like lockdown to induce a bad case of wanderlust. 11 months into the biggest bummer of many of our lifetimes, it's wonderful to hear some ordinary good news. Remember weddings? Lady Kablo certainly does. She got married in December. Lockdown is giving her a little time to think about what she'd like for her perfect honeymoon. Many of us striving for financial independence hope to travel once we no longer have to work. Every time I take a trip, be it abroad or local, I'm reminded travel money works differently from ordinary money. While I'm extremely frugal in my day-to-day life, when I travel I don't think about money. I also don't worry about how much I eat or drink, I never check my phone and in general I'm just a much cooler person. In this week's episode we help Lady Kabelo think about her honeymoon. In the process, we reminisce over some of our own adventures and dream about a time when we can do exciting things like visit friends and go to the shops. Hopefully this episode delivers a spot of whimsy to your lockdown. Please take our survey here. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Lady Kabelo I got married in December. Having spent the last 3 or 4 years following your savvy advice to tackle debt, emergency fund, insurance, retirement and medical aid, the time may have arrived for an international honeymoon trip (Yes, Covid is also a factor. I'm hoping when it's over some hard-hit places will be a little cheaper in an effort to attract visitors.) Every overseas vacation I've taken has been with my parents, so I've never considered the planning and budgeting that goes into an international vacation. My biggest nightmare is running out of money in a foreign country. As a result, I am leaning towards all-inclusive packages - even if we overspend, we'll at least have food. The downside is you're in a resort removed from the "real" place and people but then you can get cabs into the nearby towns for daily excursions. But I'm not sure if this is the most cost-effective way to travel. So, my questions: Are the all-inclusive packages a good way to travel? What are the hidden costs people commonly forget to plan for? What are the biggest financial mistakes people make with regards to travelling? Any additional tips for cost-effective travel? Win of the week: Charlene Thank you from the bottom of my heart for the financial education. I've been reading and listening to all your advice since lockdown in March and it has really made a HUGE impact on my financial decisions. I cannot thank you enough. I live in Mossel Bay. Should you ever be in the area I would love to offer lunch/dinner to thank you both for everything. I've been getting my financial house in order ever since. I have identified ETFs that I have invested in and I am very happy with the performance. I have invested in Satrix Emerging Markets(20%), Ashburton Global 1200 (60%) , Sygnia 4th industrial revolution (10%) and Satrix Nasdaq 100(10%). I have now sold a property and have money I want to invest. I want to invest it in the overseas markets directly. I'm currently using EasyEquities and I see I can use their platform for international investments as well. I had a look at their fees and I see they charge a brokerage fee of 0.25%. This whole world story is a bit intimidating and scary... so I am thinking to approach it using EasyEquities even though I know it's a bit more expensive. What are your views on this? My next hurdle is choosing what to buy. I want to buy similar ETFs to those I currently have, but don't know where to start. I saw Vanguard has a Total World stock ETF etc etc. Could you please kindly point me in the right direction? Dylan I was wondering whether a RA can be paid out to more than one person? In a family where the wife was a stay at home mom for most of their life and they only really have the husband's retirement fund to live off when he retires, would it be possible to pay the fund out to both people in order to split the retirement income between two incomes to save on income tax? I read the blog on Tax on lump sums in retirement. It states that if you have discretionary investment funds available at retirement, it's a good idea to hold on to your retirement savings and rather use your discretionary savings to cover expenses. It explains that by doing this, you allow your retirement savings to grow some more. Now this got me wondering, why would you want to cash out discretionary investments to have your retirement savings grow more? It seems the wrong way around to me. If your retirement savings grow larger, sure you save on the CGT and DWT inside the retirement product for the time your discretionary savings last you, but now you will probably pay more income tax on the extra retirement income than you ever would pay on CGT if you did it the other way around. My gut tells me it would be more efficient to take your retirement income when you start needing it and supplement that with your discretionary savings where required while trying to minimize the CGT of the investments you cash out. Jean We have been saving for our son's tertiary education and now have a sum in our bank account earning pathetic returns. We will need to start drawing from this in about 9 months time. We have been thinking of Satrix world as we really need better returns. Are ETFs/ international ETFs, too risky for this application? Chad I am a great fan of 1 share to rule them all. (Vanguard total world in my case). However, your recent podcast wrt the dangers of too much exposure offshore got me thinking about Rand-hedging. What would you say is the best ratio of Offshore vs Local equities in a total equity portfolio (apart from 20% which is Reg28 compliant)? Then there is the question of which is the most diversified local ETF? I have been investing in the Satrix 40 when the Rand is really weak but realise now that this might not exactly be a Rand-hedge ETF. Is the Sygnia itrix SWIX 40 ETF a good rand hedge option? Please help? Martin My brother sent me a link to one of your shows when I took an interest in my finances and I've been hooked ever since. Thanks for all the education, even if the majority goes over my head at the moment. But I can confidently say there is a huge difference now in comparison to when I started a few months back. I follow the Dave Ramsey baby steps: I am currently saving my emergency fund and up to two months-worth of expenses. It is a decent amount but I feel it is being wasted in a savings account. I keep hearing everyone say put the money in a money market account. I have been looking around with no luck. I bank with FNB and for example the one they propose I open is one with an opening amount of 100k. I also came across one from Old Mutual which seems reasonable and you get a card as you would want to have easy access to the funds when needed. What are the options out there and which do you guys use?
We use my long-awaited holiday to catch up to some user questions for the next three weeks. We hope you enjoy the shorter episodes as much as I plan on enjoying my break! IM I have an Old Mutual Endowment policy that matures in November 2020.. I also have a lump sum in a TymeBank account in various GoalSaves, which I don't need to use any time soon. I have another lump sum in an African Bank account. I'm not sure whether I should pool all the money and put it into a fixed deposit account with African Bank for 5 years (the interest rate is very attractive at 10.01% annual interest payout) and have the interest payout annually, so that it doesn't go over the R23,800 tax exemption. Or should I take the money and invest it into ETFs, split 50/50 into local and international. With the idea of investing for dividends and growth. I know that I won't be sheltered from taxes if I do this. I was thinking of splitting it between the following ETFs (I use the same ETFs for my TFSA): Coreshares Preftrax Coreshares DivTrax Satrix Divi Coreshares Top 50 Coreshares Property Income Coreshares Global DivTrax 1nvest Global REIT Satrix MCSI World Satrix S&P500 Sygnia 4IR If I decide to do the fixed deposit, then I was thinking of using the interest payout each year and invest it in ETFs (and be subjected to taxes). My wife doesn't know anything about RA/TFSA tax benefits or investing, and has absolutely no interest in using her TFSA. I even helped create and set up one for her on Easy Equities. I could use the fixed deposit interest payout and then fund her TFSA each year and then top it up to max it out as well. However, the disadvantage is that on death, then the TFSA will form part of her estate. And then lastly, I could also put it into my RA, which I currently have with Sygnia (Sygnia Skeleton Balanced 70). I won't benefit from a tax return, but will possibly benefit from CGT, DWT and tax on interest earned. I'm finding it difficult to make a decision on what would be most beneficial. Any suggestions on what I could do with this lump sum? Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Ash I switched the Sygnia MSCI USA to their new Health Innovation fund. This is an active fund (with performance fees
The Trump clown show fight against the will of the American people rages on today with his lead so-called attorney Rudy Giuliani at the helm of a group of misfit lawyers still claiming that Trump has a path to victory in the 2020 elections. This is opposite world on steroids. I'll attempt to explain what's transpired since we last met yesterday, though I'm not sure I fully grok what's going on. It's Thursday, so Howie Klein returns, just as DWT migrates to its new home at downwithtyranny.com.
The NewsThe BEEB dropped some images for the upcoming "Revolution of the Daleks" story and Doctor Who is getting some video game action early next year. The MerchStock update for figures in B&M stores plus https://www.bbcchildreninneedshop.co.uk/products/2020-limited-DWT (10th) and https://www.bbcchildreninneedshop.co.uk/products/2020-limited-DW (13th) Doctor teddies for Children in Need. Review story this episode: The Sensorites"Hmmmm, hmmmmm!!!" Yes, it's a Hartnell week as we travel to Sense-Sphere to see treachery and deceit forming within the ranks of the dudes with the wispy beards. Coming next week: Torchwood - MeatRhys learns the truth about Torchwood and aliens! We've mostly liked series 2 so far so let's see about this one. Thank you all for listening, and until then have a great week, take care of yourselves, stay healthy and remember – Allons-y! Support this podcast
It's almost always a good time on a Friday, it's that little jolt that kinda helps you push through the day because we are so close to the weekend.... Anyway, in this episode I talk about some interesting Friday night plans, have a slight panic about everyone driving with Friday vibes including someone with Sunday vibes (gross) and ponder what's next for DWT. I hope you enjoy episode 35!
DWT(m)S update from John's wife, Rachel. Kanye West is doing Kanye West things. Cardi B's WAP is a free agent now. We recap NBA and NFL. This podcast is making you MONEY 4-0. The crew does VERSUS?!?! and one of the topics is Eating with your Butt vs Eating with your Mouth. Why wouldn't you listen?
There's more guesswork involved in retirement planning than we'd like to admit. If you've ever gone through the retirement planning process with a financial advisor, you know what I mean. To calculate how much money you'll need for retirement, you need to factor in the expected inflation rate as well as the expected growth rate of your investments. If you had the ability to know those things with any degree of certainty, you wouldn't need to do any retirement planning because you'd be psychic. One of the most crucial guesses you have to make is how much money you'll need in retirement. It's hard for us to imagine our lives a week from now, much less decades into the future. How do we tackle this dilemma? The Financial Independence, Retire Early (FIRE) movement offers a useful rule of thumb to help here. To ensure you have enough money to retire and never run out of money, you need 300 times your monthly expenses. This is an excellent shorthand, because it forces you to put as much effort as possible towards controlling what leaves your account every month. However, using your current expenses would be to over-prepare. Some of your current expenses go towards preparing for your retirement. Your long-term savings and your long-term insurance products exist solely for this purpose. Once you reach financial independence, you go from having to look to others for an income to paying yourself. That means your cost of living will automatically reduce by the amount of money you put towards retirement the minute you reach financial independence. Once you've accumulated enough assets, self-insurance becomes a reality. Stealthy Wealth does an excellent job of explaining how that works in this post. That's another expense you can take off the list. But what about the hobbies you plan to take up once you have more time? How should you plan on paying for those? What if you wanted to take a holiday? In this week's episode, we talk through how you can think about your expenses in retirement when you're working out your financial independence number. We are once again so grateful to OUTvest for funding this week's episode. If you're looking for a place to save towards your retirement goals, have a look at their excellent product here. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the week: Joy I think another example of upside risk is in studying. It is possible to work so hard at school and university to get top grades which give you a suite of distinctions and awards, but at what cost to friendships, hobbies, physical and mental health? I know many adults who because of the sacrifices they made to achieve those things have always had that as a huge part of their identity. I'm sure you know, for example, middle aged men who are still called by their nickname from school or are part of the old boys club. Really? Your qualifications are only important so far as you can actually make practical use of them. Who cares if you qualified as a doctor cum laude from Cambridge university if you are unprofessional, unkind and thoughtless? Or if you can't even balance your personal finances
This week’s episode of JSE Direct is courtesy of OUTvest, our preferred supplier in retirement products. Simon Shares April was the best month for equity markets since 1987! Local ten year bonds are on a tear, just a week after we exited the World Government Bond Index the yields are back at pre-junk levels and even better as they trade below 8%. This is the search for yield playing out. If their mandate allows investors want yield, the rest they don't care about. This has also seen the Government Retail Bonds locally drop their April rate of 11.5% to 10% for May and likely will fall further in June. PMI shocker. The headline number was fine but that was due to some oddities. The real kicker was the business activity index that collapsed to an all-time low of 5.1 index points in April. During the 2008/9 crisis the lowest levels were low 30s. Oil bouncing higher, albeit at US$30 Brent is still over 50% off the January levels. Comair (JSE code: COM) went into business rescue less than a week after an update detailed no flying until October / November. They hope to be able to restructure and come back by then, but the airline industry globally is in melt down and locally we have three airlines in some form of bankruptcy (SAA and SA Express the other two). Metrofile* (JSE code: MFL) updated the market on their proposed 330c delisting and the short answer is that it is still on but is delayed indefinitely. Pratically trying to raise capital and get all the Is doted and Ts crossed is largely not practical under lockdown. But the buyer also wants to get a better understanding of the business post lockdown. I hold the stock and am happy to continue holding as I'd rather it not be delisted. But price had dropped to 220c on the news, currently 250c. Lockdown does hurt the company a little, most work in contractual. But the issue is how many clients don't survive and of those who do will they require less boxes? In very tough times for REITs Equites (JSE code: EQU) results really shone. Debt is low, distributions solid and they have very few clients not able to pay rentals as they state "since 29 February 2020, we have collected 92.8% and 100% of the contractual rental due in terms of our lease agreements in SA and the UK, respectively". This is largely as they are in the business of fancy logistics. No retail, no offices and many online customers, especially in the UK which os some 25% of their business. Upcoming events; 13 May ~ Know your derivatives: CFDs, indices and FX 20 May ~ Trading 101: Getting started in trading 21 May ~ Solvency and liquidity in the time of COVID-19 28 May – Managing risk as a trader with Garth McKenzie Subscribe to our feed here Subscribe or review us in iTunes Property losing REIT Status A REIT ~ Real Estate Investment Trust is essentially a special purpose vehicle for listed property stocks. In South Africa the most notable requirement is that 75% of 'distributable income' is paid to shareholders as a taxable dividend. This absolves the REIT of tax liability but that dividend received by shareholders is taxed as income, not the 20% dividend withholding tax (DWT). So depending on your marginal tax rate, it cold be higher or lower than DWT. With this in mind I asked Redefine CEO Andrew Konig about this on my show on Tuesday. The company had some 33c per unit of distributable income due to investors but did not declare it rather saying they'd decide at yearend in August 2020. This is perfectly legal as this was an interim distribution and they only need to be paid annually. Now that 75% rule is a SARS issue as it regards taxation, it is not a IFRS concept and as such it is a murky issue. So the REIT industry is engaging SARS in case some REITs can't pay the distribution. There could be lots of options such as delaying the payment and maybe spreading it our over a number of years. But if they lose REIT status frankly the property companies would unravel as the tax advantage from that status is huge and how they operate. As such I expect industry and SARS to come to some sort of agreement. But what Andrew Konig said was that liquidity issues were of more a concern for REITs. Frankly their ability to actually pay anything and liquidity is a part of the companies act so is more immovable than the SARS REIT definition and allowances. This is the bind property stocks find themselves in. Debt that needs to be paid, income (rentals under pressure) and legal requirements to pay distributable income. There is going to have to be lots of clever thinking to get through this crisis. * I hold ungeared positions. JSE – The JSE is a registered trademark of the JSE Limited. JSE Direct is an independent broadcast and is not endorsed or affiliated with, nor has it been authorised, or otherwise approved by JSE Limited. The views expressed in this programme are solely those of the presenter, and do not necessarily reflect the views of JSE Limited.
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Lets face it, Anything thats tax free is definitely better right? An of course if i ask you the question : What's better, a Unit Trust or a Tax free Unit trust? The answer might seem obvious BUT it's not that simple. The reason its not simple is that up to this day there are many people with tax free accounts but they don't really know why they have them or how they fit in their plan with money and by not understanding that they are setting themselves up to waste their tax free investment. Differences between the two: 1. One is taxed on Interest, DWT and CGT and the other is free of all those taxes. 2. A unit trust has unlimited contributions, money that you can put into the investment account and tax free accounts have limitations to the amount of money you can contribute each tax year and in total over your lifetime. Those limitations are currently R 33000 per year and R 500 000 over your lifetime. 3. Withdrawals. If you are only allowed to put in 500k over your lifetime what you put in counts toward the R500k irrespective of whether you take money out VS in a unit trust you can contribute and withdraw with no limit on contributions. Money Talks with Nabeel Khan where we start a real conversation about anything money for you to build the right mindset habits and education in your journey to financial freedom! #financialLiteracy #Money #Education I'm interested to know if this helped you? Let me know in the comments below! QUESTION — Have a question about Financial Planning, Savings, Investing, Wealth Habits, Money Mindset or Anything Else? Post in comments section of this video! Music by: Joakim Karud - Rock Angel __FREE DOWNLOAD__ Subscribe to MONEY TALKS WITH NABEEL KHAN Here: https://www.youtube.com/channel/UColm_SI-cNv0o5KJVriLX9Q/videos Nabeel Khan on Social Media: http://www.mrnaby.com https://instagram.com/mrnaby https://www.facebook.com/nabsk DISCLAIMER: This channel is hosted by me and I am licensed to give advice but this channel and what we talk about is not constituted as advice to you. Reason being in order to give advice I need to understand where you are in your life and conduct an analysis before I can give you advice so if you would like my advice go and visit my website and send me a mail. The scenario in this video assumes a return of 10% every year between the two investments and accounts for tax of 1,5% each year. Investments do not behave this way but in order to create an example for you to understand the concept of acting without purpose all factors such as return and tax have to be fixed. The best I can do is to raise the awareness and your understanding as well as the value of working with a professional to help you navigate this stuff. Thank you for the support! --- Send in a voice message: https://anchor.fm/nabeel-khan0/message
Greta Thunberg is a sixteen-year-old activist trying to save the planet and being picked on by Donald J Trump the Fake President that doesn't understand Man-Made Climate Change! Donald Trump is a Fake Baby Bone Spur that loves to pick on women and children! He always meets his match cuz they're Smarter and Stronger than he is! Sad! So SAD LOVE! G-20.inThank You, Greta Thunberg, you are AWESOME! At present, 197 countries—every nation on earth, with the last signatory being war-torn Syria—have adopted the Paris Agreement. Check out my book called (Man-Made Climate Change. Made Super Easy to Understand) on Amazon. We all must do something to save the planet!https://www.amazon.com/dp/109937782X/ref=cm_sw_r_tw_dp_U_x_Dwt.DbCY030GP via @amazon
Desi Workk talk show is a short weekly podcast that talks about jobs and career targeting Indians around the world aka Desi, focusing on interview tips, work experiences, immigration experiences, of any working professional, any desi around the world. It is co-hosted by Suddan, an entrepreneur, and Biyanka who is a passionate content marketer, and writer. This week DWT show, Suddan and Biyanka talk about the recent state of jobs in India after the current Lok Sabha election. Here the discussion mainly revolves around the government initiatives taken for solving the huge unemployment situation. They talk about the significant skill gap between jobseekers and company expectations. Harini, a guest from the US shares her struggle and experience regarding the immigration process and visa issues for which a flow of people moving out of the US who are on visas trying to move in Canada or want to go back to India. If you are interested to learn about the current issues regarding the unemployment in India and immigration challenges in the US and how we have planned a solution to that. Visit us www.mintly.in You can follow us on facebook.com/mintlysocial twitter.com/mintly_social instagram.com/mintlyllc/ linkedin.com/company/mintly/
Desi Workk talk show is a short weekly podcast that talks about jobs and career targeting Indians around the world aka Desi, focusing on interview tips, work experiences, immigration experiences, of any working professional, any desi around the world. It is co-hosted by Suddan N Shanmugasundaram, an entrepreneur, and Biyanka Bhattacharya who is a passionate content marketer, and writer. This week in the 2nd episode of DWT show, Suddan and Biyanka talk about the current trend of Work from Home jobs In India and how the women in India balancing their personal life and work life by taking WFH jobs as an opportunity to earn and practice their skills professionally. Women in India prefer to work in a flexible schedule and hence many married women, mothers approach working from the environment of their houses. We have welcomed Rainy Sarmistha, a guest in this episode, who works as a content writer and inspires others to work remotely. She has shared her personal views and experiences on efforts and difficulties regarding WFH jobs. Guest Contact: Rainy Sarmishta https://www.linkedin.com/in/rainy-sarmistha-9b1845172/ Visit our website www.mintly.in to apply for some WFH jobs You can follow us on facebook.com/mintlysocial twitter.com/mintly_social instagram.com/mintlyllc/ linkedin.com/company/mintly/
Education is a tough nut to crack. It's an investment, to be sure, but just like any other investment, the rewards need to outweigh the risks. Unlike other investments, however, risk and reward are extremely difficult to measure in education. Private school kids could be doing better later in life because of their education or because they come from wealthy families that have access to everything from better nutrition to more free time. Parents will spare no expense to give their kids whatever they can to ensure their future success. Does that mean private schooling should be the goal for every parent, no matter the cost? I'm not convinced. In this episode, Simon and I try to put our childlessness to good use to try and answer whether a single kid's education should cost more than R100,000 per year. Our discussion was prompted by this excellent question from Edwin: I have three wonderful children and very high expectations that they will have better opportunities in life than I did. This I suppose is a normal aspiration for any parent. Is it worth spending large sums of cash to get my children premium private school education? The most expensive boarding schools cost over R200k per year and the premium day education can set one back about R100k per year. All figures per child! In the public system one can get away with costs that range between 50-70% less than this per child. Is it worth throwing everything at getting the kids this premium experience? Or maybe just get them an education that's good enough with a focus on getting into a University rather? The opportunity cost vs saving and investment is high. I attended one of these premium establishments and having it on my CV means it has opened a lot of doors and served me well. However, some of my classmates are in jail. One became a bank robber. Just not sure. Is it worth it? Win of the week is Tshembi. I have been listening since September 2018 and you have inspired me to get started on my financial freedom journey.I've always wanted to be an investor, but it was hard to find the right information and I was always scared of losing money. Listening to your show has given me confidence and I have gained knowledge on different types of investments products. I like sharing the information with my younger brother, because I don't want him to be left behind. Thank you for making it easy for me to learn and to be able to teach others. The OUTstanding money series of articles has really helped me. For my birthday last year I decided to buy myself assets (Ashburton top40 & Ashburton MidCap ETFs with FNB Tax free shares account) instead of a gift. I'm so proud of myself for taking the first step to my financial freedom. However I have an Easy Equities account and I'd like to move my FNB TFSA to EasyEquities because its cheaper and you always talk about it in the show. I also want to be able to buy Ashburton Global 1200 ETF to get the international market exposure and since i'm just starting out i think this is the best ETF to choose. Will I be taxed for Ashburton Global 1200 ETF on a TFSA since it gives the international market exposure? How do I go about transferring my TFSA from FNB to Easy Equities? Helen also wanted to know about moving her TFSA from Capitec to EE. Nico took out a policy to pay for his kids' education and made a terrible discovery regarding his fees. He took out a Classic Saver Endowment Plan with Clientéle. He received his annual fee increase notification. Now that I know what to look for (thanks to your podcast) I saw that my fees are around 5.5%. I bought this policy 12 years ago through IFA, but about a year ago asked them to remove the IFA franchise fee of R65 and deposit that amount into the account as well (now directly from Clientele). I would like to have your input on the following. My son will be in GR 11 next year (2019). Is it wise to move the money to an ETF now or should I keep the policy running? If I must move the money, which funds would you suggest, keeping in mind the short time span until I will need it. If I move, will the fees I save make a noticeable impact on the end amount? I have an account with Easy Equities. Should I rather deposit extra money in that and leave the police as is? Donal needs to make a decision about his kids' studies. I'm an Irish citizen who is now a Permanent Resident, married with kids and a homeowner (well actually I'm a bond owner!). I have a very decent job, a healthy pension plan and both my wife and I max out our TFSA allowances (thanks to you guys!). I'm approx 15-25 years from retirement depending on how patient I am and/or how rich I become in the meantime. I have concerns about my kids' future prospects, especially when it comes to tertiary education. I'm planning for the worst case scenario that they have to go overseas for University. That brings the possibility that my wife and I may decide to move with them. I have been looking at starting to send some cash to Ireland on a monthly basis for investment for the next 15+ years so that we have a nest-egg for that possibility. Of course it's also a handy way of diversifying my current investment portfolio. I still hold an Irish bank account so I can easily use that account as my base for such an investment. My wife recently resigned from her job and started working with a new company. Her provident fund has now become available. I did get one of those light bulb moments and thought to myself - what a wonderful instant Irish nest egg this would be!! How cool would it be to just whack this lump sum over to my Irish account and invest it in an ETF so I don't have to worry my little head about sending monthly amounts over to Ireland for the next shitload of months! Am I crazy to even consider this or is it a good idea? I know there are a million and one different variables at play here which makes it such a difficult decision. For starters we would lose approximately R100,000 to tax if we were to withdraw the fund now. I know I would also be liable to pay CGT to SARS on any foreign investment growth. But the possibility of having an instant emergency fund available overseas is a nagging temptation that I can't get out of my head. Nakedi is 25, just completed her degree and got a three-year internship. She's starting her career with some student debt in the bag. She needs help on planning her future. She has student debt from the National Student Financial Aid Scheme (NSFAS). I did the math on my salary and expected expenses which leaves me in the red which is something I don't want. NSFAS is quite reasonable when it comes to repayments and interest (at 80% of the repo rate), unlike a bank. Now should paying off my loan be top priority or start saving to build up my asset base? The job requires that I have a car, which means more debt. I may do the work without a car for the first few months but as time goes by I will need it. In my current financial position it's highly unlikely that I would qualify for car finance, so how do I go about building a good credit record without drowning in debt? Don't make the mistake I made here. Go second-hand immediately. The job is in the corporate world which means formal wear, which means I have to go shopping. Since my cash resources are limited I thought of getting a clothing account which means more debt, your thoughts? Look up capsule wardrobes and put one together from second-hand clothes. To avoid further costs I will staying at home but the house is in bad conditions so it will need major renovations which will require more money. Should I save up this or incur more debt? A friend told me recently the best thing about staying in your own place is that you decide when you want to do things. Unless there's a structural issue like a leaky roof or a burst pipe, this can wait. Both parents are unemployed which means I must chip in to help around the house. Have a discussion with your folks about their expenses now and agree what you'll give them, instead of just giving money whenever. It makes it much easier to keep control of the money you have left. Since you live with them, just think of this as rent. Lastly, every now and then everybody likes to go on a holiday, how do I save for this and still be able to invest for the long term. Any book recommendations on investing and personal finance, because there are thousands of books if not millions on the topic. Manage Your Money Like a Fucking Grownup, by Sam Beckbessinger Brian wants to know how his advanced voluntary contributions will be taxed. Advanced voluntary contributions is when you make additional contributions to your pension fund at work. How will advanced voluntary contributions paid into my defined contribution pension fund be treated in my tax breakdown once I retire? I expect to retire in 24 months. About ¼ of his pension fund is made up of AV contributions. If I cash in the allowed one third at retirement in full, will the AVC (which was after tax contribution) be tax free in this allowance? Ben is turning 30. He thinks it's time to be a money ninja. I had an epiphany over the holiday in needing to take better charge of my finances. I came across your site and then the podcast which is amazing, thank you so much! I'm trying to work through about one episode per day properly with notes etc. but still have a loooooooong way to go. I've done the "normal" thing up until now, as I haven't had a clue how any of this works. I have two voluntary investments, one with PSG and one with STANLIB, an RA with STANLIB, and a joint company with high school friends where we contribute monthly and pool that into something or other at Allan Gray. I'm sitting with excess money in my savings account (over and above my emergency fund) that I need to decide what to do with. Of that I'll probably do the R33 000 into an easy equities TFSA and go with the Ashburton 1200 for now (one ETF only to monitor and figure out like you suggested in episode 91). I'll probably monitor that and when I'm more comfortable invest a similar amount elsewhere through easy equities. What's annoying me at this point are the fees on the managed investments. Do I keep either of these? As I see it I have four options: Keep both these investments and see how things are going forward, in terms of markets and my literacy, and take it from there; Move the PSG funds over to the STANLIB account for now where the fees aren't as much, and monitor as above; Move the PSG funds over to the easyEquities platform where I can manage them myself, or Drop both of these investments and reinvest elsewhere. Always Abundant has a great question about dividend ETFs. I have never taken the time to understand dividend-focused ETFs e.g. Coreshares Dividend Aristocrats ETF. However, since the dividends in a TFSA are not subject to DWT, I wonder if they would then have a greater impact on making a TFSA more profitable overall? If so, how much of it is too much i.e should it replace your General Equity ETF? He also wants to know how the rand depreciates against the dollar. I've heard people mention an accepted overall rate of depreciation of the ZAR against USD over x years in the future. I don't recall the details so if you know it please share? Is this known with certainty that is must happen? Or is there an equal chance that it could go the other way too? Nadia has a question about the nationalisation of the Reserve Bank. Could you please how investments would be affected? I have a RA and Unit Trust with 10x. I also have a Tax free savings with Easy Equity. If government takes over everything, what does this mean for these investments? Should we all be taking our money overseas instead or will it be safe? I also have a fixed deposit at Capitec and savings at FNB and I know these will probably be vulnerable but I'm not too clued up on how things would go if the reserve bank was nationalized. Any clarity and advice from you guys would be super amazing! Subscribe to our RSS feed here. Subscribe or rate us in iTunes.
Rob and Matt discuss suicide, a leading cause of death in teens and young adults and on the rise in children. Suicide Clusters, College Mental Services Suck, Ketamine Cures, DWT, Blue Zones in Okinawa, 13 Reasons Why, Pediatric Funerals, PHQ9A, IS PATH WARM, Guns, Safety Plans, The Office, Sleep, Bullying. Suicide is complicated and it […]
The Nation's John Nichols joins Nicole Sandler at the top of the show to talk about the blatant GOP power grab going on in WI, MI, OH & NC. Howie Klein of DownWithTyranny and the Blue America PAC returns to tell us about last week's Berniepalooza, and his DWT series on "The Worst Democraps Who Want To Be President"
Simon Shares Metrofile* (JSE code: MFL) results were a mixed bag with the reduced dividend expected but they are essentially going to almost halve the cover ratio over two years and that is more aggressive than expected. Growth was modest, but the results commentary was even ore modest. Two analysts I know spoke to management and both came away very confident of the stock and its prospects. A lot of talk is about the move to digital and the cloud and firstly Metrofile is well positioned there and secondly I have been hearing about paperless office for over 30 years. ADvTech* (JSE code: ADH) purchase of Monash University looks great but expensive. On a PE of around 39x that is chunky. However will be able to remove a fair bit of costs plugging central services into existing infrastructure the company has. It also gives them degree levels offerings which is a great step and so while not cheap I like the deal. * I hold ungeared positions. Practical trading setups and rules with Petri Redelinghuys Understanding MAPPS growth ETF Moving your RA Subscriber to our feed here Subscribe or review us in iTunes Shares or cash for dividend? Often a company will offer you shares instead of receiving a cash dividend. Assuming you still like the stock (if you don't, then why haven't you sold it?) I always take the shares. The exception could be if I think valuations are crazy and there are other stocks with much better valuations to buy. Then I'll take the cash. By taking shares you save on brokerage, likely very saving but further often times a dividend is not enough to actually reinvest economically. My brokers minimum of R100 brokerage for a trade at 0.5% means that I need to do a R20k trade to get an effective 0.5% brokerage. Sure I can save up the dividends or add them to other cash I may have in the account - but taking the shares is easy and brokerage free. For tax purposes the free shares reduces your base cost price as the new shares come in at zero cost, so you have same total base cost but extra shares effectively meaning average purchase price is now lower. When you sell this new lower base cost will be used for tax purposes. However you'll save a little on tax as DWT is 20% (this is what you would have paid on the dividend) and maximin CGT is 18%. JSE – The JSE is a registered trademark of the JSE Limited. JSEDirect is an independent broadcast and is not endorsed or affiliated with, nor has it been authorised, or otherwise approved by JSE Limited. The views expressed in this programme are solely those of the presenter, and do not necessarily reflect the views of JSE Limited.
Growing up, investments weren't often a topic of conversation. Even so, I knew that people got rich from property. I don't ever remember someone telling me this outright. I knew for sure we weren't the people getting rich. Still, it's just one of those “universal truths” I absorbed as a kid. Looking back, I realise it's because I grew up during a property boom and a lot of people really did get rich from property. Share investments weren't accessible or easy to understand. Financial products were sold by unscrupulous insurers who gorged themselves on the hard-earned cash of their clients. The vast majority of the population were excluded from the financial system. Property was a great way to accumulate assets and build wealth under these circumstances. That is no longer true. The market has changed. Legislation has changed. Easier, cheaper, less risky ways of building assets are now available to everyone with a proof of residence and identification. Property is suddenly one of many ways to get rich. In this episode, Simon and I discuss the role non-share investments can play in your portfolio. We think through two listener questions - one around S12J companies, the other, property. Garth wants to know what we think about venture capital investments. Since I started listening I have opened an account with Easy Equities. I've set up a budget, started with a financial plan, and invested in ETFs & normal shares. My question is around Venture Capital Companies. Is it wise to buy Private equity, and get the tax relief? Or is it only for high income individuals? There is a lock in period of 5 years I see as well. This is similar to the MTN BEE shares bought a couple of years back. I am trying to diversify my portfolio and looking at all avenues to spread the risk with the bulk being in Shares/ETF's of course. Ros has a property investment success story. I bought my first home - a small 3-bed townhouse in which I still live - in 1999 for R180,000 - got a loan from my dad and paid him off (including interest which he did charge me!) in two years. Then I bought a rental property in the same complex for R370,000 (including all costs of purchase) in 2004 - got a bond for R280,000 which I paid off within 3 years. I then bought a second rental property (mistake!) for R707,000 (incl. all costs) in late 2013 for which I liquidated some Satrix Top 40 and accessed the remaining capital in the existing bond, which I decided to pay off at the end of 2017. I've left the bond open and use it as my emergency fund or to help with short-term cashflow issues if a client pays me late (I'm a freelancer). The rental income that I get from the two properties means I hardly have to work at all to cover my monthly expenses. But with the property market currently where it is, I do agree with you that it makes no sense to buy an investment property today. The first rental property has seen capital growth of around 127% over 14 years (approx 9% pa), and then there's all of the rental income. The second property has seen capital growth of around 13% over 4 years. The two properties are of similar size in the same complex, so the difference is purely down to timing - the first was bought when property values were still going through a high-growth phase, the second when property growth had plateaued out. We talk about this excellent JSE Power Hour presentation by Magnus de Wet in this episode. Jonathan made the best case I ever heard for not swearing on the podcast. So good, in fact, that I'm actually considering it. Personally I don't mind that you swear. I understand the need for creative and relaxed expression on the podcasts, which is breath of fresh air compared to radio shows. The only problem is that it excludes mothers who have children in their cars. Yes, there are some dads that take their kids to school but invariably it's the mom. The result is that mothers don't end up as being financially literate in the household. As a husband, I can't get my wife to listen to your podcast because she won't listen to the swearing. As a household, we have shared decision-making. It's very difficult to convince my wife to listen because driving in the car is probably the only time she has to listen to the podcast. I would very much like to improve the financial literacy of moms, especially stay-at-home moms (my wife by the way is a professional and still works) but alas, she is excluded from your otherwise excellent podcast. I could even suggest that you take a poll in which you ask your listeners whose wives won't listen to the podcast because of the swearing and thus you could gauge from your listeners themselves. If we are to create gender equality in financial literacy, let's get more women involved. I take the point on kids in the car. I disagree with the view that women are more offended by the swearing than men. In fact, every email we've ever received about swearing has been from a man. That said, I'd love to hear from you on this. This show is about inclusion, which, ironically, is why we swear in the first place. We want to feel comfortable ourselves, and we want our users to feel comfortable. Richardt let us know about a very cool tool for Sygnia investors. Sygnia has this excel sheet which allows you to select all the funds you like on the first tab for a Reg 28 compliant investment, and then once you click Generate, on the second tab it will show you the complete breakdown of fees and total asset class allocation! It has been updated following the budget speech. It's very cool. It includes the actual rand amounts too, so you're not just working with a percentage. If you contact customer service they send it to you. Nicole is following up on the tax issue on global funds in tax-free savings. You made a comment on having global funds in your tax free savings account. The issue is that you pay dividend tax on dividends issued in the countries where the shares are held. The tax gets deducted from your dividends before they're paid out to you or reinvested. If you receive dividends in a TFSA, you don't pay local DWT, but you can't avoid the international tax. I have the Ashburton global 1200 and the sygnia 4th industrial revolution in mine and I'm trying to figure out if these would result in the problem you identified. When I received local top 40 dividends last week, my offshore dividends were a line item. I hold these outside of my TFSA and I noticed that I paid local DWT on those. That's also a line item in my statement. What we're trying to work out is if there's an offshore tax that was already deducted and not included as a line item in my statement. Getting an answer to this question is proving to be really hard. Jacques has a question about his retirement tax break. Is the 27.5% on the total pay you receive, i.e monthly salary + overtime + bonus + ...... or is it my basic cash salary before all those extras only? My company contributes 15% of my BASIC salary (+ my 7.5%). If SARS gives us a tax break on 27.5% on total salary, that means my current contribution is much less than the "22.5%" shown on my payslip. If I could spare enough to save the full 27.5% of my total earnings, what do I do with the extra money? Retirement annuity or Tax Free Savings account? Is there something else? HR seems to be unsure about increasing my contribution deducted directly from my pay. Denzil wrote us in episode 94 about his Liberty RA. We made a fire under him. He also has a question about moving TFSAs. I decided it's time to kick these guys to the curb. I've started the process to transfer my RA from Liberty into my 10X RA. The FA was not too pleased and tried all the tricks in the book. He even then asked me who I'm moving to. I informed him about 10X. He had no idea who they were!! I even told him about this a year ago, so much for keeping tabs on the disruptors!! I've also started the process to withdraw my the other investment from them. I'll be maxing out my Easy Eq TFSA for the year. 50% to my Emergency fund (taking it to my comfortable 6 month level). The rest will go into my Trading Easy Eq account. Again, crazy FA not happy, and has all excuses. So all is good and here's to my money actually now growing(well lets hope so!!!). When you transfer a TFSA from one account to another TFSA Provider, do the contributions count in the year I added them, or does a transfer count for this years R33k cap? Gerhard knows he missed the boat to win the book, but he wanted to contribute his mind-blowing financial fact anyway. The single biggest tip I have on finances: never ever buy anything that someone is trying to sell you. If you didn't initiate contact the answer is always no, no matter how awesome the deal. Saves you from being overcome by superior salesmanship and buying something you didn't want all the way to being scammed.
Verdens største campingmessen finder sted i Düsseldorf i Tyskland og i det et program ser Campingmagasinet på de 2017 campingnyheder, der er på vej til det danske campingfolk. I Campingmagasinet september giver vært Anne-Vibeke Isaksen[...]
Pasión Por Ariana Grande - Mar 26En este programa:-Otro incidente en el Dangerous Woman Tour - te contamos que pasó-El rumor del 11 de Julio - comentamos a respecto-Una canción que cumple 4 años - te contamos cual es-YouTube bloquea videos de la ardilla - comentamos cuales y porqué-Censuran mercancía del DWT debido a las críticas - te contamos que pasóMúsica y mucho más!!!
Pasión Por Ariana Grande - Ene 1En este programa:-La nominación que podría complicar el inicio del DWT - te contamos porqué-Ariana en un videojuego - tenemos los detalles-La música navideña de la ardilla se mete en el Billboard Holiday - te contamos porqué-Ariana con tres albums en la cima de iTunes - te contamos de cuales se trata-La música de la ardilla entre las más pedidas en las radios de USA - tenemos detalles-Como terminó el 2016 para los vídeos de Ariana? - aquí te lo contamosMúsica y mucho más!!!
Pasión Por Ariana Grande - Nov 6En este programa:-Como le fue a Ariana en los EMAs - aquí te lo contamos-Sigue la historia, dos años de otro tema icónico de la ardilla - te decimos cual-Ariana obtiene otra certificación en Sudamérica - aquí te decimos que y donde-La ardilla entre las mejores en iTunes y Spotify - te contamos porqué-Siguen agregando conciertos al DWT - te decimos donde-Una presentación especial en los AMAs - te decimos que sucederá-Maafer vuelve con las redes sociales de la ardillaMúsica y mucho más!!!!
Pasión Por Ariana Grande - Oct 30En este programa:Ariana en la elite que logra #1 en iTunes - tenemos los detallesCertificación Platinum para DW - te contamos dondeAriana en la casa del terror de Ellen Degeneres - te damos los detallesLa ardilla sigue de viaje - te contamos donde estuvoQue vídeo es el mas visto de la era DW? - aquí te lo contamosSe siguen agregando fechas al DWT - te contamos dondeAriana sigue rompiendo marcas en Spotify - te contamos cualMúsica y mucho mas!!!
Pasión Por Ariana Grande - Oct 17En este programa:-Ariana impresionante en el Billboard Hot 100 - te contamos porqué-Una gira sorpresa en diciembre antes del DWT - tenemos los detalles-Dangerous Woman con impresionantes números de venta - te decimos como va-Como se mueve la música de la ardilla en el Billboard? - aquí te contamos-La polémica de la nominación de Ariana en los AMAs - te contamos que pasó-Más noticias sobre el DWT - tenemos los detallesMúsica y mucho más!!!!
Simon Shares Minister Gordhan delivers his budget speech next Wednesday, what can we expect in terms of new or higher taxes? STT, DWT and CGT? Remember, remember. The end of February is end of the tax year and you have until then to fill in your R30k limit for TFSA. If you already have hit your limit new year starts on 1 March 2016. We have recommended portfolio and my picks here. Anglo America (JSE code: AGL) announced their restructuring. The big, but not unsurprising was the exiting of Kumba Iron Ore (JSE code: KIO). But how? They could just unbundle to shareholders, or try sell it. Latter will not be easy and former would put serious pressure on the KIO share price if the almost 70% AGL holds hit the market. ARB Holdings (JSE code: ARB) remains ungeared with R190,9m net cash on hand. I first discovered this company in about 2008 when they had some R300m. They've been spending it very very cautiously, too cautiously? Discovery (JSE code: DSY) update has spooked the market. We've seen this before. Latest Boot Camp Video, trading the news flow is online and next month we're looking at FX and index trading and again we'll include some trading systems. You can book here. Garth McKenzie TradersCorner.co.za Ketef (via Twitter) asks "Simon from experience-have you made more money trading short term compared to longer term? Any correlation btn timeframe & profits?" The answer is more than just about returns. It is about sleeping well at night, time required to manage the trades and experience in the market. There is no get rich quick here, but a well balanced portfolio of money split between trading and investing can boost returns while we learn and sleep well. === JSE – The JSE is a registered trademark of the JSE Limited. JSEDirect is an independent broadcast and is not endorsed or affiliated with, nor has it been authorised, or otherwise approved by JSE Limited. The views expressed in this programme are solely those of the presenter, and do not necessarily reflect the views of JSE Limited.
Nicole continues talking about the shootings in AZ. She speaks with Mark Potok of Southern Poverty Law Center, Howie Klein of DWT, and The Political Carnival's Gotta Laff. Also, an interview she did with right wing talk show host Steve Kane.
A Way with Words — language, linguistics, and callers from all over
We're continuing our look at some of the words of the year of 2008. Last week we talked about words that came from the 2008 Beijing Olympics.Gas prices have been all over the place, but worse still than high gas-prices are accidents caused by DWT, which is short for 'driving while texting.'Legislation and rules were considered in municipalities across the country to stop people from sending text messages on their phones while driving, though few bills seem to have passed.Thanks to high fuel prices, the word gas-sipper made a comeback in 2008. It's the opposite of a gas-guzzler. If a car sips gas, it consume less.Another approach to conserving fuel would be hypermiling. This word, created in 2004, was Oxford University Press's word of the year for 2008.It means to take extraordinary measures to conserve fuel, things like turning off the engine when going down hills, avoiding the brakes, and drafting behind larger vehicles. Drafting means riding up close where wind resistance is less.This approach to fuel economy is stock in trade for the carborexic. That's a person who is energy anorexic, meaning they do things like never use air-conditioning, turn off their refrigerators when they go a way for the weekend, and fill the few lights they use with low wattage bulbs.And that's it for our word-of-the-year minicasts. You can find more words of the year at the web site of the American Dialect Society, at americandialect.org.Also, on our web site at waywordradio.org, you can find more minicasts, news about language current events, and full episodes of our call-in show, all at no cost to you.--Get your language question answered on the air! Call or write 24 hours a day: (877) WAY-WORD/(877) 929-9673, words@waywordradio.org, or visit our web site and discussion forums at http://waywordradio.org. Copyright 2008, Wayword LLC.
Keeping up with key IT standards and trends, Google checkout, 32GB flash drives in laptops, evaluation of pirated software purchased in China (Windows XP, Windows Vista, Office 2007, and Macromedia Dreamweaver 8), Silly Worm infects flash drives, new Facebook platform enables innovative applications, text messaging in the news (exorbitant bills, driving while texting (DWT), cheating during exams), text message email gateways, text message lingo, and Russian Trojan Gozi is a keylogger. This show originally aired on Saturday, May 26, 2007, at 9:00 AM EST on Washington Post Radio (WTWP) Radio.
Keeping up with key IT standards and trends, Google checkout, 32GB flash drives in laptops, evaluation of pirated software purchased in China (Windows XP, Windows Vista, Office 2007, and Macromedia Dreamweaver 8), Silly Worm infects flash drives, new Facebook platform enables innovative applications, text messaging in the news (exorbitant bills, driving while texting (DWT), cheating during exams), text message email gateways, text message lingo, and Russian Trojan Gozi is a keylogger. This show originally aired on Saturday, May 26, 2007, at 9:00 AM EST on Washington Post Radio (WTWP) Radio.
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