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In this episode, we spotlight Awdalia – a 100% youth- and black women-owned agribusiness rooted in resilience and driven by purpose. Founded in 2016 by the passionate Njabulo Mbokane, this enterprise began in abandoned school gardens and has grown into a diversified operation managing two farms in Mpumalanga. Awdalia now produces maize, soya beans, and high-quality merino sheep wool and carcass. Through strategic partnerships with industry giants like SAB, SACTA, AFGRI, BKB, and Randagri, Njabulo and her team are proving that dedication, mentorship, and long-term vision can transform humble beginnings into award-winning success.
Aubrey profiles Njabulo Mashigo, Executive Director of Human Resources (HR) at Vodacom, about what fuels her passion for people. How did her journey lead her to the top? As the Executive Director of HR at Vodacom South Africa, Njabulo is shaping the future of work, championing inclusivity, and ensuring that businesses don’t just grow but thrive through people-centred leadership.See omnystudio.com/listener for privacy information.
Old Mutual SMEgo is a Fintech platform dedicated to empowering Businesses with the tools and resources they need to run successful South African businesses within a competitive business landscape. As a part of Old Mutual, a trusted name with a rich history in financial services, SMEgo is focused on delivering tailored solutions that simplify business management and enhance operational efficiency for entrepreneurs and business owners. TAP to PAY: With the introduction of the TAP to PAY feature, SMEgo makes it easier for business owners to manage transactions. This cutting-edge payment solution allows businesses to accept contactless payments quickly and securely, using their Android NFC enabled phones for a low transaction fee of 2.75%. Designed with ease of use in mind, TAP to PAY ensures that SMEs can keep up with the rapid shift towards cashless transactions, staying competitive in a dynamic market. Old Mutual SMEgo is committed to supporting businesses in achieving their business goals and adapting to technological advancements with these new offerings. By integrating forward-thinking solutions, SMEgo continues its mission to empower businesses with the flexibility and agility needed to succeed. Whether you're a start-up or an expanding enterprise, SMEgo is here to be your partner in success. NJABULO SKHOSANA Njabulo is a former tech entrepreneur with additional experience in the corporate and management consulting spaces. He holds the position of Solutions Owner, Old Mutual Corporate. He currently leads SMEgo's access to markets initiatives leveraging his expertise in aligning technology with business strategy for SMEs to enable growth and drive operational efficiency.See omnystudio.com/listener for privacy information.
Join Njabulo James NJ in this powerful live masterclass as he speaks to students, budding entrepreneurs, and employees about how to transform their lives using proven business principles. Discover how to treat yourself like a business, unlock your potential, and take control of your personal and professional growth. Whether you're starting your journey, scaling your ambitions, or striving for success, this keynote is packed with actionable insights and inspiration to help you achieve your goals. Don't miss out—watch now and take the first step towards becoming the CEO of your life!
In this episode of African Travel Now with Trevor, host Trevor Chomumwe interviews Njabulo 'Safe Energy' Mthikhulu, a multidisciplinary artist and member of the band Nto Zabantu. They discuss the band's formation, how COVID-19 impacted their creative process, and their upcoming one-year anniversary celebration. The conversation concludes with Safe Energy offering travel tips for Johannesburg visitors and encouragement for audience engagement with artists.
Journey to the smallest country in Southern Africa to find out more about the people and poetry of Eswatini (Formally known as Swaziland). In this fortnight's episode Gyles and Aphra Brandreth meet writer and poet Njabulo N, Njabulo Tumelo Nkambule, who shares his story and some of his early love poems. Poems this episode include: Dear Fatima; The Sky is Blue; and Time O'clock, all by Njabulo Nkambule.
E ae!Welcome to Deep Space Podcast! Many thanks for listening. Much thanks to my new good friend, Spatial Listener and Twitch subscriber GranGoddessa from Victorville, California!Thank you so much as well to all the other Twitch subscribers Ed Muschamp, MioMayatee, Qixtand, Holger Witt, Zeb, Dealernine, Njabulo, Vic Correa, Hershaba, Lance, Pull My Fingah, BS Creative Life, Darnella, Felippe Barreto! Please check many ways to support my podcast at:https://deepspacepodcast.com/subscribe Enjoy the week447! Playlist:Artist – Track Name – [Label] 1) Goose - Ambient Studies 022) kvrskpx - Morning Beat3) Hooksie - Square Break - [Palate]4) Boo Williams feat. Jamiel Patton - Chicago The Place - [Chiwax]5) Genius of Time - 909 Day - [Aniara]6) Glo Phase - We Hardly Speak - [Whiskey Pickle]7) Genius of Time - Stream - [Aniara]8) Tako Mizutani - Haze - [Slope Point]9) Benedek - Lost Groove - [Hotmix]10) Scott Grooves feat. Salaka Star - She Dances Her Story - [Modified Suede]11) Glo Phase - First Light - [Whiskey Pickle]12) T-Polar - Saturn Sisters13) Cristobal Paz & Franco Cinelli - Encuentro 1 - [caramba]
Bret interviews St. Louis City SC player Njabulo Blom.
City SC Radio Analyst Dale Schilly joins Tom Ackerman talking about City's win in Minnesota, big game from Blom and game against KC.
On this podcast, Maanda Tshifularo interviewed Njabulo Mashigo who is an Executive Director for Human Resources at Vodacom South Africa. Njabulo is an international award-winning executive with over 21 years in HR experience across various industries.
The Man. The Myth. The Stopper. Get to know CITY Midfielder Njabulo Blom in this episode of the CITY Voice. Lean about his South African roots, Kaizer Chiefs dreams, style of play, CITYPARK & more!
Meet STL City SC's Njabulo Blom!
To maintain a sense of momentum we need to feel appropriately challenged in our roles. The key is achieving the right balance. Feeling a little outside of our personal comfort zone is a good place for personal growth as we have to engage our wider potential to succeed. If this goes too far, we will retreat into survival mode, where we resist change and new demands. CHRO of the year and board advisor Njabulo Mashigo discusses the association between challenge and employee happiness.
Welcome to Episode 56 of the ByoPodcast Ingxoxo99. Info: https://linktr.ee/Inkampani_Enkulu Email:Byopodcast99@gmail.com Follow us on Instagram: https://instagram.com/byo_podcast?igshid=YmMyMTA2M2Y= ------------------------------------------------------------------------------------------------------ Guest: JB (Njabulo) - Radio Personality Host: Mgcini Cohost: Ralph Producer: Given Sound: Mayibongwinkosi ------------------------------------------------------------------------------------------------------ Join our membership to support the channel : https://www.youtube.com/channel/UCrJFvubYBiqw7cPQ63wgbOw/join
The Weekly Recap is back for the new year to cover the Njabulo Blom signing along with Ben Lundt, the status of Indiana Vassilev, and our roster so far. Our full 2023 preseason schedule was also released this week and we look at every match and spotlight two CITY Academy players who have received call ups to the U17 and U19 USYNT January camps. On the Weekly Recap, Matt Baker covers all of the latest CITY SC news, from on field action to player news and rumors, to the stadium and more. If you want to stay up to date on all the latest news related to St. Louis CITY SC, this one is for you.
What is it like to be a resilient leader in South Africa? What are the cultural aspects and external factors that play a role? What is the meaning of Ubuntu philosophy, its key attributes, and what can we learn from that? In this episode, our guest is Njabulo Sithole, CEO of Resilience Institute South Africa. Connect with Njabulo LinkedIn | https://www.linkedin.com/in/njabulo-sithole-0291012/
Work, especially hard work is something many run away from and are scared of. However, I haven't heard of anyone who is uber successful, admired and revered who did not work their face off. Many people have a dream, goal or ideal they are after. However, they do not really want it as they are not willing to put in the work to make it a reality. There is a great mantra from a friend of mine, Grant Senzani, that says “we honour the dream by doing the work.” Honour is to regard with great respect or fulfil (an obligation) or keep (an agreement). Work is to be engaged in physical or mental activity in order to achieve a result; do work. A dream is a cherished aspiration, ambition, or ideal. If you have a dream, it will require work to make it real. If you are to honour your dream, you will have to work for it. You will have to be fully committed to your dream far more than anyone else will be. You cannot expect anyone to give to your dream more than you; don't expect others to invest in your dream when you are not willing to honour it yourself. I hear stories of aspiring entrepreneurs who ask for a funding runway for their idea when they haven't put in a minimum themselves. Asking for the runway, “where are you running?” Some have a dream to attain a certain body goal, but they quit after four months. Some have a dream to get a qualification but quit after the first assignment. Some have a dream to build a business but quit after the first major loss. In all these cases, the person dishonoured the dream because they stopped putting in the work. Something to know about a dream is that it is going to be a dogfight, it is going to be difficult - if it isn't then I'm not sure it is a worthy ideal. The dream needs to be compelling and require everything you've got. There is a saying, ‘you've got what it takes but it is going to take everything you've got.' Once you understand this, you will keep working. Some say, ‘well we need to rest and take a break.' Yeah, this is true but the rest is for those people who have put in the work. “For six days though shall work...by the sweat of your brow you should work.” You will face roadblocks, you will be ridiculed, and you will want to quit but you should not. Winners never quit and quitters never win. When you are tired, learn to rest after work, not quit. When you quit once, it becomes a habit so never quit, not ever. Elon Musk is one of the greatest men of the modern era. From Pretoria South Africa, to Silicon Valley, he founded PayPal, sold it, and started SpaceX and Tesla. Then when he faced three failed rocket launches in a row, he was in financial trouble and almost lost both his companies. In an interview he was asked, “after the third failure, did you not think it was time to pack it in?” He said, never! “Why?” “I don't ever give up, ever!” Even his heroes didn't believe in what he was doing and it broke his heart. But Elon has a dream and he honours it every single day of his life. He works “super hard.” 100 hours a week! Now he is one of the wealthiest men in history with his wealth having reached an all-time high of 300 billion USD. You need to work no matter what happens. Theo Baloyi of Bhatu shoes understands this. Theo has definitely faced resistance, rejection, and ridicule on the path to success. He was first rejected 13 times before he got a meaningful partnership. Even at the zenith of success, he is still facing resistance, rejection, and ridicule. In spite of this, he has what I call his ‘work no matter what philosophy.” They hate...You Work They criticize...You Work They speak ill of you...You Work They copy...You Work They sabotage...You Work They Say No...You Work They Plot evil...You Work In favourable and unfavourable times...You Work Work when things don't go well, work when you don't have money, work when you don't have a favour, work when things go well, work when you...
Rules serve as a guidance system for how we can live our lives. There are many of them and I share 5 rules we can live by. https://www.youtube.com/hashtag/personaldevelopment (#personaldevelopment) https://www.youtube.com/hashtag/inspiration (#inspiration)
The people you surround yourself with make a huge impact on your life. There are 5 types of people that will make your life better. #people #inspirational
Life has its dualities - good and bad, pleasure and pain, and positive and negative experiences. What we know about these dualities is that it can turn. At any moment, your success or failure can turn. Life is based on opportunities mixed with difficulties. Success and failure are not permanent. Life is seasonal. Change your mindset and be encouraged that your situation can turn. https://www.youtube.com/hashtag/personaldevelopment (#personaldevelopment) https://www.youtube.com/hashtag/inspirational (#inspirational) https://www.youtube.com/hashtag/speaker (#speaker) https://www.youtube.com/hashtag/author (#author) https://www.youtube.com/hashtag/creator (#creator) https://www.youtube.com/hashtag/njabulojames (#njabulojames)
Here is a cautionary tale of Aunt Martha I meditated on when listening to Brian Tracy. What are you waiting for before you go after a better life? Successful people just commit. https://www.youtube.com/hashtag/personaldevelopment (#personaldevelopment) https://www.youtube.com/hashtag/inspirationalspeech (#inspirationalspeech) https://www.youtube.com/hashtag/speaker (#speaker) https://www.youtube.com/hashtag/motivation (#motivation)
A great question to ask yourself when you start a new job, venture or relationship is ‘not what am I getting here' but ‘what am I becoming here.' Happiness does not come from what you get. Happiness comes from what you become. This video is based on life lessons and the likes of Jim Rohn. Personal development before professional achievement is a motto we should live by. https://www.youtube.com/hashtag/personaldevelopment (#personaldevelopment) https://www.youtube.com/hashtag/powerfulmotivation (#powerfulmotivation) https://www.youtube.com/hashtag/njabulojames (#njabulojames) https://www.youtube.com/hashtag/speaker (#speaker) https://www.youtube.com/hashtag/author (#author) https://www.youtube.com/hashtag/creator (#creator)
Njabulo Mashigo Executive Director | International HR Executive | Non Executive Director of Vodacom part of the Vodafone family sits down with Matt Phelan to discuss everything from employee happiness through to how to build a successful career in HR. Matt Phelan the Co-Founder of The Happiness Index and host of the Happiness and Humans podcast asks Njabulo the following questions. What makes you happy? What is your number one career learning? What's been your biggest mistake in your career? What tips do you have for someone starting a career in HR? How important is employee happiness to you?
Founder of the Arco Project Louise Lansdown and double bass student Njabulo Nxumalo speak to online editor Davina Shum about the long-distance teaching partnership between Royal Birmingham Conservatoire and the Morris Isaacson Centre for Music in Soweto, South Africa. Louise shares her vision for the project, as well as the challenges and importance of the scheme, while 21-year-old Njabulo shares his first-hand experiences of growing up with the project, from starting on the violin, to winning competitions and studying double bass at Stellenbosch University. Check out thestrad.com for the latest news and articles on all things to do with string playing. Register and subscribe to access exclusive archival content from 2010 onwards. Student discount! Get 50% off an online subscription! Check it out here: https://bit.ly/3eQ75AB Find us on social media: Facebook.com/thestrad Twitter: @TheStradMag Instagram: @the_strad_
Caption: Today we are hosting Mr Njabulo Masinga, a young Gospel Artist. He will share the importance of reading scriptures in the bible in order to help reveal solutions to your daily challenges and life problems.
We spoke SABC Sport Commentator Brian Mofokeng after former Bafana Bafana coach Molefi Ntseki was appointed as Head of Technical and Youth Academy at Kaizer Chiefs. We also spoke to The Guardian Deputy News Editor Ed Aarons about Chelsea winning the UEFA Champions League. New Frame Editor Njabulo Ngidi about tennis star Naomi Osaka refusing to do interviews at the tournament after her revealing that she has been suffering from depression. Osaka has since withdrawn from the tournament. See omnystudio.com/listener for privacy information.
People of Note with Richard Cock on Classic 1027.
People of Note with Richard Cock on Classic 1027.
In this episode we talk to three incredible campus students and get to hear their stories of faith. We talk about their motivation for becoming Christians, their wrestles in the faith, some of their failures and what keeps them in the faith through all the ups and downs. If you'd like to get in touch with me. Please shoot me an email at: tlaleremo@gmail.com
In this week's episode, We chatting on Building a system Njabulo's trading plan/system Entry, Stops, Targets, and trailing stops Why I liquidated my portfolio Sign up with ThinkMarkets here and enjoy Zero commissions, low spreads, and no minimums Join Simon Brown and Njabulo Nsibande trading live CFD accounts every Wednesday 17:30 Join here Follow us on socials media @VillageTraderZA @mbotsoe @njabulo_goje @tumi_koma TradingView YouTube Podcast also available on Spotify Google play iTunes Subscribe to our mailing list
Tune into the first digital edition of #InTheStudio with #ArtAboveReality as we visit the studio workspace of GreatJoy Ndlovu (@ngreatjoy1) tonight at 6p! *pacific. • #InTheStudio: The series offers an inside look into the studio practice of the visual artist. From fabricated materials and works in progress to exhibition preparation, viewers get a chance to understand and experience the process firsthand. • The Artist: Greatjoy Njabulo Ndlovu is a fine artist based at August House Studios, Johannesburg. Njabulo, who does the dripping technique, says art to him as a lifestyle did not come easy. He had to fight for his first love instead of the easy route of a conventional career. • Through his fascinating and exceptional talent, Ndlovu has won the hearts of many visual arts enthusiasts, as his artworks revolve around emotions and expressions. • #artabovereality
In this episode of the Village Trader podcast. We chatting with Vungani Nkuna Applying value principles with trading Trading without a stop loss Trading fundamentals Join Simon and Njabulo trading live CFD accounts every Wednesday 17:30 Join here Follow us on socials media @VillageTraderZA @njabulo_goje @tumi_koma @Vonks TradingView Podcast also available on Spotify Google play iTunes Subscribe to our mailing list
In this episode of the Village Trader podcast. We chatting forming a trading plan Our views on setting a trading plan Join Simon and Njabulo trading live CFD accounts every Wednesday 17:30 Join here Follow us on socials media @VillageTraderZA @njabulo_goje @tumi_koma Trading break Subscribe to our mailing list
In this week's episode of the Village Trader podcast. We chatting Trading errors Refining a trading system A trading system weakest link. My expensive Shoprite trading error. Join Simon and Njabulo trading live CFD accounts every Wednesday 17:30 Join here Follow us on socials media @VillageTraderZA @njabulo_goje @Tumi_Koma https://www.tradingview.com/u/VillageTraderZA
This episode is produly brought to you by Vertex Media. They provide Marketing Strategy, Content Production & Distribution and Community Management. Check them out on veterxmedia.co.za As we are commonly told that "the trend is your friend". We decided to talk about Trend following, swing trading and the lazy system. Njabulo gives some great analogies and also guides us on how he trades the Lazy System. Resources Boot camp by Simon Brown Simple Vs Exponential Moving averages Find us on Twitter: https://twitter.com/VillageTraderZA Twitter:Njabulo https://twitter.com/njabulo_goje Twitter:Joseph https://twitter.com/Tumi_koma Facebook Page: https://www.facebook.com/Village-Trader-106913034344876 Email: njabulo@villagetrader.co.za or info@villagetrader.co.za Visit the website at: https://villagetrader.co.za/
The rise of the South African black opera singer may be a surprise to some, but this maestro believes that the nature of South African social culture is to sing in choirs, so where better to find and breed talent? The lack of patronage for South African artists has driven Njabulo to help South African artists by starting the Voices of South Africa International Opera Singing Competition. Yes, there's prize money to be won, but there's a far bigger prize for those who are scouted, and it's truly life-changing. Bravo Maestro! www.cliffcentral.com
CliffCentral.com — The rise of the South African black opera singer may be a surprise to some, but this maestro believes that the nature of South African social culture is to sing in choirs, so where better to find and breed talent? The lack of patronage for South African artists has driven Njabulo to help South African artists by starting the Voices of South Africa International Opera Singing Competition. Yes, there's prize money to be won, but there's a far bigger prize for those who are scouted, and it's truly life-changing. Bravo Maestro!
Den 11. februar 2020 var det nøyaktig tretti år siden Nelson Mandela slapp ut av fengsel. Da apartheidregimet falt, gikk Mandela inn for tilgivelse som strategi. Men slapp de ansvarlige for apartheid for lett unna? Tok apartheid egentlig slutt? Og hvor står Sør-Afrika i dag?Njabulo Ndebele vokste opp under apartheid og er en av Sør-Afrikas ledende forfattere og intellektuelle. Han er tidligere viserektor ved University of Cape Town, forfatter av skjønnlitteratur og sakprosa og kanskje mest kjent for den banebrytende boka The Cry of Winnie Mandela. Koleka Putuma er født i 1993, og dermed tilhører hun generasjonen som i Sør-Afrika kalles «Born Free». I debutdiktsamlingen Collective Amnesia, en av de mest oppsiktsvekkende og kritikerroste debutene på flere år, kan man ane sinne og frustrasjon over svekne løfter og et land hvor idealet om en regnbuenasjon langt fra er oppfylt. Putuma og Ndebele møtte kulturjournalist Elise Dybvig til samtale om Sør-Afrika i skyggen av Mandela. Samtalen fant sted på Litteraturhuset 11. februar 2020. Litteraturhusets podkast presenterer bearbeidede versjoner av samtaler og foredrag i regi av Stiftelsen Litteraturhuset. Hold deg oppdatert på Litteraturhusets program. Meld deg på vårt nyhetsbrev.
Njabulo Ndebele grew up during the apartheid, and is one of South Africa's leading writers and intellectuals. He is the former vice principal at the University of Cape Town, and the author of the groundbreaking book The Cry of Winnie Mandela, in which he blends essay and novel, fact and fiction in an exploration of women’s position in the freedom struggle. Koleka Putuma was born in 1993, and belongs to the generation in South Africa known as «Born Free». She is behind one of the most critically acclaimed poetry collections in years, Collective Amnesia, in which the anger of broken promises is acutely felt. Hear Koleka Putuma and Njabulo Ndebele in conversation with journalist Elise Dybvig. The conversation took place on the 11th of february 2020. LitHouse is the English language podcast from the House of Literature in Oslo (Litteraturhuset), presenting adapted versions of conversations and lectures from our program.
Radio TMI, Where Leaders Talk! In this 6th Episode of Coffee With Toastmasters, Wendy Khumalo chats to Njabulo Nkosi, DTM (Distinguished Toastmasters) and author about what really inspires success, why we should treat ourselves as businesses and the transferable skills to business from Toastmasters International. Njabulo James Nkosi is a project management professional, certified life coach, speaker and Distinguished Toastmaster. He was born and raised in Benoni and graduated from Rhodes University. He is passionate about growth and development for himself and others. He is the author of two books. The first one is Inspired Success: The Five Keys To Reaching Greater Heights of Achievement which was launched in 2017. His second and latest book is You Are A Business, Treat Yourself Like One! The Five Business Essentials For Personal Transformation and Building a Better Future, which was launched in December 2019. He is launching a podcast titled ‘The NJ Podcast’, which aims to share inspiration through lessons and conversations with people about reaching true success. His favorite tagline is ‘Success is the progressive realization of a worthy ideal.’ And this week, he is giving away his book Inspired Success to two people with impressive definitions of what his favorite tagline means to them. Listen till the end to receive instructions about the competition and listen in as Njabulo gives his inspiring advice to aspiring authors. To purchase Inspired Success, The Five keys To Reaching Greater Heights of Achievement, visit: https://www.amazon.com/Inspired-Success-Njabulo-Nkosi-ebook/dp/B073WFG581 To purchase You Are A Business, Treat Yourself Like One! The Five Business Essentials For Personal Transformation & Building a Better Future, visit: https://www.takealot.com/you-are-a-business/PLID65080967 To find a Toastmasters Club near you, visit: https://www.toastmasters.org/find-a-club Music : Music : Myk Nich | Radio TMI Theme Song https://soundcloud.com/myknich Engage with us on Facebook http://www.facebook.com/RadioTMI/ When you're ready to produce your own podcast, contact the podcast experts at
SAfm — The Discussion in studio about the state of Football reporting by Journalist in South Africa with New Frame Sports Editor Njabulo Ngidi , SABC Senior Sports Reporter and Sowetan Sports Editor Nkareng Matshe . Guest : Velile Mnyandu (SABC Sports Reporter) Guest : Njabulo Ngidi ( New Frame Sports Editor) Guest : Nkareng Matshe ( Sowetan Sports Editor )
Njabulo Mdaka is the author of a book called Business Ideas for everyone. He is a brilliant guy that has spent over 2 years researching on different business ideas that would work for everyone. He brought so much value to the podcast and gave great examples about some of the ideas in the book. If you want to learn more about important ENTREPRENEURSHIP topics such as how to raise money for your first business, how to use social media to get investors, customers, e.t.c follow this link for courses taa-tomondo-capital.teachable.com
In this episode, Njabulo Shobede shared some great knowledge with Dumo and Nzuzo. They spoke about South Africa's economic prospects, gun laws, the minimum wage and immigration. Disclaimer: The views expressed in this podcast by the hosts and the guests are their own respectively. Become a Citizen and get early access to the podcast among other benefits: https://www.patreon.com/join/ManPatria? Webstie: https://www.manpatria.com/ Social Media: Dumo Denga's Twitter: https://twitter.com/DumoDenga ManPatria's Twitter: https://twitter.com/ManPatria_za Instagram (Dumo) : https://www.instagram.com/dumodenga Instagram (ManPatria) : https://www.instagram.com/manpatria_za Facebook: https://facebook.com/ManPatriaza
In this episode, Njabulo Shobede shared some great knowledge with Dumo and Nzuzo. They spoke about South Africa's economic prospects, gun laws, the minimum wage and immigration. Disclaimer: The views expressed in this podcast by the hosts and the guests are their own respectively. Become a Citizen · Dumo's Twitter · ManPatria Twitter · Facebook · Instagram
Fine Music Radio — The “Voices Of South Africa National Opera Singing Competition” returns to the Hugo Lamprecht Concert Hall in Parow at 3pm on Sunday 28 July. This is the sixth project in the series enabling the training and nurturing of young South African musicians, especially singers. The concert is preceeded by a series of masterclasses in the Baxter during next week. The project is spearheaded by the award winning South African-born, London-based opera singer NJABULO MADLALA.
The Daily Mirror Chief Cricket Correspondent Dean Wilson spoke to us about ICC Cricket World Cup as we lookes ahead the semi-finals. We also spoke to blind cricket commentator Dean du Plessis onhis career. New Frame Editor Njabulo Ngidi previewed Bafana Bafana's last 16 AFCON clash against hosts Egypt.
Hektic Paperz is the first black owned rolling paper company in South Africa. I sat down with the man (Njabulo Nyoni) behind it all and we talked about what it took to get this going.
We spoke to Mamelodi Sundowns winger Thapelo Morena about their 5-0 victory over Al Ahly in CAF Champions League. We also discussed opposing views on whether all South Africans should be supporting the team that is playing in the champions league with sports commentator Thabiso Tema and New Frame Sport Editor Njabulo Ngidi. Afrikaans musician Robbie Wessels spoke to us on the song he has dedicated to former Springboks flyhalf Pat Lambie.
The tax-free investment case is so appealing, it's almost always a good idea to do your tax-free investing before anything else. Even fancy algorithms like this one finds that. Sadly, life happens to our money and a full tax-free allocation isn't always possible. This week, we help a father of four figure out how to balance his educational priorities with his tax-free allocations. The good news is there's no one right answer. You have many options, including pausing your tax-free contributions and taking it up again later, as Njabulo pointed out in this podcast. The bad news is sometimes two options have more or less the same benefits and shortcomings. In that case, it's time for the soft sciences. I always talk about the importance of knowing what you want your money to do. Since Tinus chose to have four children, we can assume his family and children are his top priority. His finances should reflect that. Secondly, a great education will empower his children and offer them a greater likelihood of being financially secure themselves. Tax-free is important, but it's not the be all and end all. Tinus I try to max the contributions for myself, my wife and my four kids every year, even if it means I need to sell from my existing portfolio to get the required cash. I hope that I'll be able to teach my children enough about finances that they'll handle their TFSAs with care once they turn 18. My initial idea was that they would pay for their own studies from the TFSA, but it would probably not be very smart to start withdrawing from the TFSA as the real opportunity of compound growth is just massive if they can keep the investment going. Projecting the value of a maximum annual contribution up to the R500,000 level and 8% annual return, the account at age of 18 would sit at around R1.2m. This R1.2m becomes R31m by the age of 60, which should allow them a comfortable retirement from the TFSA alone. Surely this “asset” in the child's balance sheet would make getting a study loan much easier if required, especially if the TFSA is then moved to a provider that also give study loans (type of a soft security). How do you balance the contributions made to your child's TFSA and provide for their studies? I'm leaning towards maxing out the TFSA and face the music to pay for studies when the time comes. I have always believed in choosing stocks with good momentum. For this reason, I initially chose the Satrix Momentum Unit Trust for two of my children's TFSAs and I've been contributing to them all along with TFSAs at Satrix directly. I noticed that there is now a Satrix Momentum ETF, that seems to be exactly the same as the unit trust, just lower cost. ABSA NewFunds also have a momentum-based ETF. I am considering moving these two kids TFSAs over to EasyEquities for easier admin and future flexibility, but would like to stick to a momentum type fund for now. How do these options compare (the methodologies are not the same as is evident from the current holdings in each fund). For my two youngest children I chose the Sygnia 4th industrial fund (mainly because it sounded cool and I thought choosing technology for my 0 and two-year-old can't be a bad idea). Their investments have done very well (just lucky timing to be honest). From your recent podcast I could pick up that you are not a massive fan of this fund (it invests in guns etc) and I know that there are performance fees as well. What would be other options in the technology space, just a simple Nasdaq ETF? Find our house view on tech ETFs here. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Sign up here to receive an email every time a new show goes live. Win of the week is Hannes for sharing a great car financing tip. For anyone interested in calculating car affordability (because some of us love cars and it's also our hobby, not just a means of transport), Dave Ramsey has a cool rule stating that you can afford the car ONLY if you can tick off all three of the following: - You are able to pay a minimum of 20% deposit on the car. - You are able to finance it for a maximum of four years (48 months). - The monthly repayment (after 20% deposit and a max four-year term) is less than or equal to 10% of your gross monthly salary. I've done the math like this and it removes a lot of the thinking involved in buying a car, especially if you're a petrolhead. Use it / don't use it. :) Alistair I received my very first dividend from my Ashburton 1200 in my TFSA today (yay), but I was quite shocked to see I paid 26.76% tax. That seems like an extremely high price to pay for a tax free account - I was under the impression it would be much lower. I do know we are subject to foreign dividend tax, but considering this is how much tax one is paying... is it even efficient to put ETFs like the Ashburton 1200 in a TFSA? Surely (if your finances allowed it) it would be significantly better to fill your tax free with local ETFs and all foreign ones outside of it? Or is the advantage of not having to pay capital gains tax so great that it completely out-shadows the tax on dividends (and the growth that taxed amount would have had)? I'm curious what difference this tax would make over a period of 40 years, conservatively assuming the growth of the Ashburton 1200 was the same as that of the Satrix 40 (and assuming dividends are reinvested). Anne I have an offshore investment with Allan Gray. The money split between Orbis Sicav global balanced fund and Nedgroup Investments Core Global fund. I wanted to make an additional contribution, and had a relook at the fees. TER 1.08 and admin fee of 0.5%. It the investment worth the fees? Should I rather stick to ETF in EasyEquities? Ned inherited R2m. With such a large amount of money, the fear of investing is damn real. My biggest fear is that I find myself fiddling around with my money until I find myself in a “ah fuck” situation. As a result, I have over R1.9m just sitting in cash. I realise this is a bad thing and I plan to move it all to EasyEquities, minus the emergency fund. The real fear comes in with my discretionary investments. I'm 29 and a major career improvement is imminent if all goes well. This will bring with it a MASSIVE change in salary. The plan is to continue dumping all my excess salary into tax free and thereafter discretionary investments. I'm not too sure about an RA at this stage as this is something else I've been putting off. The only real investments I have outside of the tax free are about R18k in Ashburton 1200, top 40 and mid cap ETFs through FNB which I've been contributing to since about 2014/15. Investment fear is a very real, very scary thing. It just gets worse when there's more money. I realise now how important it is to start early and when you don't have so much money to stress over. I wish more people would realise that investing isn't only for rich people. It's the best thing you can do for yourself. John In SA we have the Top 40, so an equal weight equates to 2.5% per share. Our biggest share is Naspers which is about 22.5% of the index, so Naspers is 9 times bigger than the equal weight. (22.5 divided by 2.5) In the USA they have the S&P500 so an equal weight is 0.2% per share. The biggest share is Apple which is about 3.6% of the index, so Apple is 18 times bigger than the equal weight. On a relative basis Apple is twice as concentrated as compared to Naspers in our market. Now I am guessing but I believe most of the data to validate the equal weight model has come from the USA and not from SA. This could mean the the equal weight model is not effective in SA. When the expects say "over the long term shares have outperformed the other asset classes" I guess that they use the the overall index to validate their statement. I guess they are not referring to some bespoke index with smart beta components. To me any "smart or not so smart beta" is moving away from passive investing towards active investing even if the costs are lower. Passive investing should be no more complicated than reproducing the index. Is it cheaper for CoreShares to change the methodology of an ETF compared to launching a brand new ETF with a different methodology? My guess is that it is. I believe that CoreShares must stick with their model or front up and tell the market their model is broken. Martin I am a 26-year-old Mountain Guide living in Somerset West. I have a wife and a one 1.5 year old little girl dinosaur. My wife doesn't work. I am busy studying and I hate traffic so I leave home at 04:30 most mornings to avoid traffic to Cape Town where I then have 1.5 hours to listen to your shows and do other studies while I wait for my clients to arrive. I finish work at 11:00 and can spend most of the rest of the day with my wife and daughter. Recently I started my own business and make a reasonable income during the summer months and then eat only putu in winter. I save a fair amount of my income, mostly because we live very basic with no debt. Anyway my questions are the following: I don't plan on living in South Africa for very long, another four years, at most. What impact will this have on my TFSA? Will I be able to keep it growing and fill it while we travel? I don't plan on emigrating anywhere, so my bank accounts should stay in SA for the moment. Would it be smart to start investing in a RA if I'm not going to be in SA. Can I transfer my RA across borders later in life? I know you did that blog post on the global property ETF, but I was wondering if that is a good investment into my TFSA? I thought I will only get tax exemption on local property like the satrix property ETF. Will I get dividends on those two global ETFs? What Property ETFs should I be looking at?
Billy K is our Guest Dj: Hailing from the North of KZN Bergville to be precise, the duo namely Jabulani "Jabzin " Zibula and Njabulo "Njabster " Mazibuko are Dj's who grew up together in the village went to the same primary school and high school but for few years though as they both moved to Jo'burg without seeing each other for about 5years, we then met in Jozi park station exchanged numbers we continued where we left off with our friendship. Then Jabu met up with a local Dj who calls himself Billy K (Billy Nkateko Kamsenza) who stays in Soweto Meadowlands zone 4. Njabster and Billy K were already DJ’s by then so luckily Jabzin also liked House Music, Jabzin started collecting music from Njabster and he gave him a few tips regarding mixing and perfecting the art, Jabzin also went with Billy K to some of his gigs and watch closely as he was mixing and blending the music. Jabzin then worked on sharpening his skills, he got some gigs for himself and pushed hard. When we (Njabster and Jabzin) had one on one sessions for quite some time that we caused havoc and then we decided that we form a duo by the name of The Jargons, but we saw that the was something missing then we asked Billy K to join the team. Track list: SculpturedMusic - Sing My Blues Dwson - Nobody Else (feat. Sio) Ralf Gum ft. Monique Bingham - Take Me To My Love (Enoo Napa remix) YOLA_Thando_Original_Mix_Ft_Toshi Black Coffee Feat. Msaki - Wish You Were Here (Guy Mantzur Remix) Malumz on Decks - Inhliziyo (feat. Toshi) Kato Change & Winyo - Abiro (KingTouch's Voyage) Ed-Ward - Hypnosis Infinite Boys - Resurrection (Original Mix) Dafro - The Drum from Hiroshima (Original Mix) Ed-Ward - Illusionist Enjoy you!!!!! MELODY of Craft
Bebe Oyegun-Adeoye in conversation with Njabulo Mashigo, Director Human Resources at Heineken
Bebe Oyegun-Adeoye in conversation with Njabulo Mashigo, Director Human Resources at Heineken
Business of Sport feature: We looked at the Business Of Sport & tonight we talked about the historical factors of pay disparities between Banyana Banyana & their male counterparts. Director of Nielson Sports in Africa & the MiddleEast Kelvin Watt joined us. Also joining the conversation was Sasol SA brand Specialist Brenda Mopeli, Njabulo Ngidi, Norway players' Association President Joachim Walltin and Solly Moeng.
For Business of Sport Thursday – We discussed the State of the National First Division. New Frame Sports Editor Njabulo Ngidi, Santos boss Goolam Allie and Director of TransAfrica and chairman of Sport Industry Group Sgwili Gumede all joined us to drive the conversation.
Spending some time Njabulo from Njabz Adventures
It is the job of a salesperson to convince you you can't live without the thing they're selling. This is as much true in personal finance as in consumer products. If engaging with your money scares you too much, your only hope is finding someone whose approach to your money happens to be legitimate, effective and affordable. If you hope to manage your own money, collecting information on the best thing to do with your money is also tricky. If you ask someone with a vested interest in a product, they are going to try to convince you it's the best product. If you ask someone who recently over-committed to a certain type of investment, they are going to try to convince themselves it's the best decision by trying to convince you it's the best decision. This week's episode of The Fat Wallet Show is very special for two reasons. First, we recorded it live at the JSE as part of our JSE Power Hour series. Secondly, One Lappers Njabulo Nsibande and De Wet de Villiers joined us as guests. Our hope for this episode is to illustrate that there are many ways to construct an investment portfolio and all of them can be right. De Wet doesn't manage his own investment portfolio and he's happy with that. Njabulo manages three investment portfolios and he's happy with each one. What matters most is that you understand your portfolio, that you have a strategy and that you remember what it is. We're all making it up as we go. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the week: Roxanne. A year ago I was retrenched, sitting on my couch, wondering how I was going to get through the next month as I was living pay check to pay check. My husband was earning a gross income of R18,000 a month and things were looking grim. We had medical bills, store accounts and a student loan. A truck had also hit the side of my car - we had reached rock bottom. I started listening to your podcast all day, every day. My family started to think I had joined a cult! I started putting a plan in place and started working on my FINANCIAL INDEPENDENCE to not be at the mercy of any employer, bank or creditor again! Since then I have done the following: Found a new job and career path Started an emergency fund Drew up a budget and started budgeting every single rand! I discovered EasyEquities thanks to your show and started investing I have paid off R40,000 in debt. I still have a student loan of R33,000 left which I am attacking - Balls to the wall on this one! I cut up my credit card and lived without it. I cut up all my store cards and have lived without those. I never thought the day would come for this. I have eaten a lot of peanut butter and 2 min noodles - thanks Shoprite! Used every student discount I can find. Shoprite is good with this But where to from here!? I would like to invest in a tax free account but don't know where to start - if I choose the coreshares S&P 500 - how do I work out the fees I would be paying? The naspers weighting in the Top 40 index makes me weary. How much insurance is enough insurance? Life cover, dread disease cover, home contents insurance, retrenchment cover, car insurance, gap cover, cellphone insurance, pet insurance - why are there so many products!!
We're 100 episodes old*, so we might as well talk about death. Edwin is turning out to be our most philosophical user - you'll remember him from before. This week, we help him figure out what will happen to his investments when he dies. We know for sure every investor, trader, RA holder and homeowner will die. Why has it taken us 100 episodes to talk about the impact of death on wealth? Mostly because it's scary and we don't like to think about it. Estate planning is a huge part of financial management, especially for those who have already managed to accumulate some assets. It's moving up our list of priorities in a big way. Thanks, Edwin. *We did also smash an entire bottle of champagne while recording this episode to celebrate 100 weeks of The Fat Wallet Show. This podcast has been a transformative experience - personally, professionally and for our business. You guys surprise us with your frankness, insights and thoughtful feedback every week. You're a constant reminder that world is full of intelligent, sincere people who care about those around them, despite what we might think after 30 minutes on Twitter. Thank you 100 times over. You should come party with us on Wednesday to celebrate! Win of the week: Leonora thinks we could do better in the swearing department. Coming from the Cape, I find your swearing vocabulary very limited. A four year old down here might know more choice words than the two of you combined.
Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Sign up here to receive an email every time a new show goes live. We spend so much time talking about bad financial products. Is there such a thing as a good financial product? If so, where would you find them? Listener Bronwyn got badly burned with financial products in the past. She's been paying 15% fees on an Old Mutual education policy and took out a Discovery retirement annuity that hasn't returned anything above her contributions for the past six years. Now her financial advisor wants her to invest in Body Corporate Bridging Solutions, which apparently guarantee a return of 17.5%. In this episode, we provide a checklist for buying financial products. When comparing similar financial products, think of the following: Fees Let this be your point of departure. As winner of books and life, Ronel, explained last week, “If I get 10% growth, and inflation is 6%, there is only 4% left for growth and compounding. If I pay 3% or 4% in fees, I will only get back what I put in, adjusted for inflation.” Guaranteed returns far above retail bond rates As Simon points out, the government is the only party that can realistically guarantee returns, because the government owns the printing press. You can check government retail bond rates website here. Counter-party risk Investments are for the long-haul. As winner of books and real life, Lesigisha, pointed out, the principles of compounding relies on time, not money. If there's not much information available about the company taking your money, be very careful. Counter-party risk should be considered alongside fees, though, in the case of older, bigger corporations who probably won't go bust but happily pocket your investment returns. Active or passive Simon and I spend a bit of time discussing this point. The SPIVA report indicates that actively-managed funds underperform the market year after year. However, if an actively-managed fund makes you feel more comfortable, don't forego it just because we say so. It's your money, after all. Win of the week: Sean worked out if you'll be better off at Absa or EasyEquities. He also worked out how many years it would take him to make back the penalty. ABSA's new inactivity cost is essentially R40.25 per every two months, but only charged five times as there would be a trade in the beginning of the year, This adds up to R201.25 per year for the next 14 years (R2 817.50 excluding compounding or about R6 780.98 at 15% growth adjusted back with 6% inflation). After that the fee is R241.50 per year until you remove the money, which assuming my daughter is financially savvy will be a long time as she is only 18 months old today. Anyway before getting myself worked up about ABSA essentially stealing a month's income from my daughter, I decided to objectively look at the numbers (boring Excel attached to check calcs) and do a comparison between EasyEquities and ABSA For my family it's cheaper to use the EE platform by quite a bit, We will pay off the moving of the two ETFs in just under two years. For someone using a monthly deposit it may be better to pay into ABSA until the TFSA allowance is maxed out and then only move to EasyEquities. Hope this helps some peeps. Click on the link below to download the spreadsheet. ABSA vs EE Shout-out to Lean, who recently started listening and seems to be going through the episodes front to back. They wrote about tax on whisky, from many moons ago. Claire wrote to say my newsletter editorial really hit her in the feels. Your "editorial" this morning really struck a chord with me... Of course that's how they make their money. And the same goes for any of the other things we buy, oh so complicated: wine, perfume, cars, homes blah blah ~ have a great week! Chas wants to know if we have transcripts. I have listened to most of #96, then I was interrupted by a phone call so I lost the thread. I am 78 and a bit deaf so I battle to keep up with your rapid delivery. Do you provide a transcript that I can study in my own time or is there a way I can pause to digest what you just said and then go on again? I always want to learn more about investing. Thanks for a lively intelligent show. Transcripts are for one day when we grow up. It is our highest priority in terms of this show. Thinus has a question about structuring his pay cheque. When allocating your salary to different "pockets", should you use gross or nett salary? Alexander sent this great email about selling his house. When selling a primary residence does one pay CGT for the amount above R40,000 regardless of what you have spent on the house? We sold our house for R50,000 less than we bought it for about four years ago. We paid more than R500,000 towards our loan (which was mostly interest of course) We spent about R100,000 on renovations before we moved in. After the sale we end up with R70,000 in our pocket. Of the R500,000 (paid into the bond) R120,000 went to the principal amount. We sold for R50,000 less than the principal amount. In my book, it's a loss of R530,000 (500k + 100k -70k). Or may I only deduct the renovations? Which is still more than the 70k, but in principle can one only deduct physical improvements? Living there cost us a fuck-ton of money. Obviously we are getting very little out of this deal, but even if we made R600,000, I would be able to prove that it cost us much more to live there so there is no "gain". What can I deduct from the money we get from selling a primary residence? How does this compare to a buy-to-let property? If you can deduct a bunch more for a buy to let, would it be worth it to buy and let to yourself? We've had a few more emails from people who are upset about Absa's fee increases. John says this is not the first time. I bought a small amount of the Absa NewGold ETF years ago and had never done anything else with them. They sent me a letter (in the POST) about 18 months ago telling me about a new minimum admin fee, payable quarterly. On my pretty small account it amounted to an admin fee of something retarded like 10% a year! After querying it and getting a shrug of the shoulders, I thought FUCK THEM!! I did some research found EasyEquities, sold my ETF, was below my CGT threshold and reinvested two days later with my newly minted Easy Equities account at a newer, much higher base cost. With EasyEquities being such a user friendly, reasonably-priced platform, I've subsequently invested multiple times what I originally had with ABSA. Their, EasyEquities' gain. We foolishly forgot to pick a winner for Sam Beckbessinger's book Manage your money like a fucking grownup. Njabulo, who writes for us, snuck in his submission. Whatever your investment or savings plan is, it is important to consider inflation and fees. If the investment can't outperform inflation after fees, that investment is making you poorer. Jen was the Win of the Week in episode 90 for figuring out that people who don't earn a steady income can still structure their savings by doing it by invoice paid instead of by month. As a self-employed person without a fixed income, I can't structure a pay cheque because I don't get one. But I can apply the same methodology to each amount that I receive. Since my last email to you about this, it has been going well (although April has been a kak month so it has not been easy). On the odd occasion when I have been tempted to forget about my system in favour of instant gratification, I just listen to beginning of episode #90 again where you discuss my email. Straight away I am committed all over again, like I would be letting you down if I didn't stick to my guns. I know I should be motivated by how happy future me will be, but sometimes it is hard to think for two people at once. The second brain wrinkling fact, and this isn't mine but a repeat of what you said, is the idea that our total income over a lifetime is a finite amount. Every time you spend money on something, there is something else you can't spend money on. Has that bit of information affected my spending habits! You are changing my life and I have turned into a bit of a fanatic about all this. I am constantly annoying the crap out of everyone I know because I am trying to convert them all to The Fat Wallet Show, for their own good. This, as well as iTunes reviews and mentioning us when you deal with any financial services provider really helps us. Thanks!
Catch Lekkey live each Tuesday night from 8-10pm BST on http://pressureradio.com This weeks extended 3 hour session we keep the soulful vibe flowing throughout, it's time to kick back in the summer sunshine and enjoy some great music. 01. Vick Lavender - First Kiss (feat. Carla Prather) 02. Worker Union - Hope Square 03. Danny Clark & Kenny Bobien - The Writing's On The Wall 04. Stephanie Cooke - Sing 05. Wayne Gardiner - Remember When (feat. DJ Inertia) 06. Spiritual Blessings - World, Listen (feat. MJ White) 07. Nathan Soul - Under Spot Light (feat. Njabulo) 08. Terry Hunter - We Are One (feat. Jay Adams) 09. Earl Tutu & John Khan - Lean On Me (feat. Emma Diva 10. Soulfunktion - Legendary Lovers (feat. Chad Saaiman) 11. Mario Marques - Get Out Yo Box (feat. Nicole Mitchell) 12. Kings Of Soul - If You Take My Love 13. Demarkus Lewis - Poppin Fresh 14. Nabiha - Bang That Drum 15. Tony Momrelle - What You Waitin’ For 16 . Anane - Eu So Amor 17. Groove Assassin - All Of U 18. Vick Lavender - Portegeuse Love 19. The Layabouts - Let Me Go (feat. Shea Soul) 20. Hallex M, Djeff, Mr. V & Miss Patty - Let's Get It 21. Logistix - I Feel (feat. Deon Nathan) 22. Magnetic Man - Getting Nowhere (feat. John Legend) 23. Jon Cutler - Living (feat. Pete Simpson) 24. Deep City Soul - We All Fall Down (feat. Jacqui George) 25. MdCL pres. Lady Alma - Far Away 26. Nathan Adams - Sweetness In Your Soul 27. Fanatix & Assurance - I Trust You 28. Jon Cutler - I'll Take You 29. The Layabouts - Do Better (feat. Portia Monique) 30. Bah Samba - Moonlight 31. Blaze pres. UDAUFL - A Wonderful Place (feat. Ultra Nate)
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