Podcasts about outsurance

On Friday, May 30, Martin Bester gave away the final R39,000 on the Secret Sound of Music. This May, Jacaranda FM celebrates 39 years of bringing you more music you love! OUTsurance has joined the party to give four weekly winners R39,000 in cash, each! Correctly identify The Secret Sound of Music, and you could WIN!

Darren 'Whackhead' Simpson pranks Outsurance by asking them to insure his personal items that may not be safe in his current environment. See omnystudio.com/listener for privacy information.

This May, Jacaranda FM celebrates 39 years of bringing you more music you love! OUTsurance has joined the party to give four weekly winners R39,000 in cash, each! Correctly identify The Secret Sound of Music, and you could WIN!

This May, Jacaranda FM celebrates 39 years of bringing you more music you love! OUTsurance has joined the party to give four weekly winners R39,000 in cash, each! Correctly identify The Secret Sound of Music, and you could WIN!

The South African insurer Outsurance has been on the Irish market for a year selling home and motor insurance. Now business is obviously good enough to warrant hiring an additional 100 staff here. Joe spoke to Peter Broom the chief executive of OUTsurance Ireland about their business.

This May, Jacaranda FM celebrates 39 years of bringing you more music you love! OUTsurance has joined the party to give four weekly winners R39,000 in cash, each! Correctly identify The Secret Sound of Music, and you could WIN!

This May, Jacaranda FM celebrates 39 years of bringing you more music you love! OUTsurance has joined the party to give four weekly winners R39,000 in cash, each! Correctly identify The Secret Sound of Music, and you could WIN!

Sound Of The City. Your chance to win R11 000, thanks to 947 and OUTsurance. Can you guess what the sound is? WhatsApp the word “Sound” to 061 4 947 947 and tell us what it is. We could be calling you. Ts and Cs apply.See omnystudio.com/listener for privacy information.

Stephen Grootes discusses Remgro's striking 38.7% surge in headline earnings with, Chief Investment Officer, Carel Vosloo and explores the impact of Eskom's restructured residential electricity tariffs with energy analyst Chris Yelland. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.Thank you for listening to The Money Show podcast.Listen live - The Money Show with Stephen Grootes is broadcast weekdays between 18:00 and 20:00 (SA Time) on 702 and CapeTalk. There’s more from the show at www.themoneyshow.co.za Subscribe to the Money Show daily and weekly newslettersThe Money Show is brought to you by Absa. Follow us on:702 on Facebook: www.facebook.com/TalkRadio702 702 on TikTok: www.tiktok.com/@talkradio702702 on Instagram: www.instagram.com/talkradio702702 on X: www.x.com/Radio702702 on YouTube: www.youtube.com/@radio702CapeTalk on Facebook: www.facebook.com/CapeTalk CapeTalk on TikTok: www.tiktok.com/@capetalk CapeTalk on Instagram: www.instagram.com/capetalkzaCapeTalk on YouTube: www.youtube.com/@CapeTalk567CapeTalk on X: www.x.com/CapeTalk See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Carel Vosloo, Chief Investment Officer at Remgro about their 38.7% surge in headline earnings, driven by strong performances from its investee companies, including Rainbow Chicken, RCL Foods, Outsurance, and Mediclinic. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.Thank you for listening to The Money Show podcast.Listen live - The Money Show with Stephen Grootes is broadcast weekdays between 18:00 and 20:00 (SA Time) on 702 and CapeTalk. There’s more from the show at www.themoneyshow.co.za Subscribe to the Money Show daily and weekly newslettersThe Money Show is brought to you by Absa. Follow us on:702 on Facebook: www.facebook.com/TalkRadio702 702 on TikTok: www.tiktok.com/@talkradio702702 on Instagram: www.instagram.com/talkradio702702 on X: www.x.com/Radio702702 on YouTube: www.youtube.com/@radio702CapeTalk on Facebook: www.facebook.com/CapeTalk CapeTalk on TikTok: www.tiktok.com/@capetalk CapeTalk on Instagram: www.instagram.com/capetalkzaCapeTalk on YouTube: www.youtube.com/@CapeTalk567CapeTalk on X: www.x.com/CapeTalkSee omnystudio.com/listener for privacy information.

The Sound Of The City. Your chance to win R7 000, thanks to 947 and OUTsurance. Can you guess what the sound is? WhatsApp the word “Sound” to 061 4 947 947 and tell us what it is. We could be calling you. Ts and Cs apply.See omnystudio.com/listener for privacy information.

Marthinus Visser – CEO, OUTsurance SAfm Market Update - Podcasts and live stream

This evening we look at the markets with Rand Swiss, we speak to the CEOs of Thungela Resources, Sun International and OUTsurance about their respective results, and the Pietermaritzburg Economic Justice & Dignity Group explains how the proposed Vat increase will affect your monthly grocery shop. SAfm Market Update - Podcasts and live stream

Marthinus Visser, die bestuurshoof van OUTsurance, bespreek die groep se finansiële resultate. Volg RSG Geldsake op Twitter

Kokkie Kooyman – Director, Denker Capital SAfm Market Update - Podcasts and live stream

We launched a brand new sound on Friday at R1,000. SO today it was meant to be R3,000. But our friends at OutSurance said because it is our last week on the show before we take a little break, they are going to give us an extra R10,000!!! So today the sound is worth R13,000!See omnystudio.com/listener for privacy information.

We launched a brand new sound on Friday at R1,000. SO today it was meant to be R2,000. But our friends at OutSurance said because it is our last week on the show before we take a little break, they are going to give us an extra R10,000!!! So today the sound is worth R12,000!See omnystudio.com/listener for privacy information.

Die bestuurshoof van OUTsurance, Danie Matthee gesels oor sy agtergrond, loopbaan, die industrie waarin hy is, en wat hy doen om te ontspan. Volg RSG Geldsake op Twitter

Episode Overview: In this episode, Simon Brown dives into the current economic landscape with a focus on interest rates, inflation, and the state of the South African Rand (ZAR). He also explores asset-light businesses and why they make great investments, followed by a breakdown of the latest market activity and local company results. Rate Cuts & Inflation Outlook: South African CPI (August): 4.4%. A possible drop to 3.5% in October discussed with Johan Els, Chief Economist at Old Mutual. The need for rate cuts to stimulate the economy, with experts debating between 0.25% and 0.5% cuts. Fed decision and its potential market impact. SA Prime and CPI September 2024 ZAR Strength & Market Trends: Rand showing strength, potentially reaching sub-17 levels. Global market highs: S&P 500, NASDAQ, and JSE Top 40. Consumer confidence in the US and South Africa rising but still negative. Platinum Group Metals (PGMs) & Palladium: A strong bounce in PGM stocks, driven by oversold positions and palladium production cuts. Palladium's recent performance and its potential future breakouts. Palladium weekly chart | 18 September 2024 Asset-Light Businesses & Their Investment Potential: Definition and benefits of asset-light businesses (e.g., Santova, Nvidia). Simon breaks down why businesses with fewer physical assets can provide higher returns on equity and efficiency. Comparison to asset-heavy businesses like banks and retailers. A deep dive into asset-light models like Shein, Temu, and logistics firms. Company Updates & Local Results: Outsurance: Strong financial results and special dividends; analysis of the short-term insurance industry's ability to reprice premiums annually. Altvest IPO: Simon discusses the upcoming Altvest IPO on the JSE and why he's not taking part in it, despite its interesting SME funding model. Finbond: A look at the excitement surrounding Finbond's potential delisting and the company's moves in the US market. Noteworthy Quotes: "Rate cuts are coming, and I think we'll see a short-term sell-off as markets react." "Asset-light businesses like Santova and Shein are great investment opportunities because they don't carry the heavy burden of owning physical assets." "Outsurance continues to impress with strong numbers and dividends, proving the strength of short-term insurers." Chapters 00:00 Economic Landscape and Rate Decisions 03:09 Understanding Asset-Light Businesses 05:54 Market Psychology and Upcoming Events 09:11 Local Results and Investment Insights 11:52 Exploring New Investment Opportunities 15:10 Finbond and Market Speculations 17:59 Larry Ellison and Oracle's Rise Simon Brown * I hold ungeared positions. All charts by KoyFin | Get 10% off your order  

Independent analyst Carmen Mpelwane on OUTsurance's results, special dividend, and strong earnings. Johann Els from Old Mutual Group on central banks beginning the rate-cutting cycle. Eugene Botha from Momentum Investments on concerns over a shrinking JSE.

Die uitvoerende hoof van OUTsurance, Marthinus Visser gesels oor die groep se finansiële resultate. Volg RSG Geldsake op Twitter

Simon Brown of Just One Lap discusses the day's market movements as the JSE saw green all around, excitement for tomorrow's US rates decision and what the scenario might be after the decision, local consumer confidence, numbers out of OUTsurance, Metair deciding to exit Türkiye, platinum counters seeing another strong day, and where he's finding value. SAfm Market Update - Podcasts and live stream

Joining Bobby this week in the executive chair is Willem Roos, CEO Rain Mobile, & Co-Founder of OUTsurance - a new entrant to the Irish insurance sector.

South Africa’s Outsurance has started operations in Ireland; it says it’ll invest €160m in this country and create 230 jobs over the next three years. Will this development lead to cheaper insurance though? CEO of the Alliance for Insurance Reform, Brian Hanley, spoke to Treasa Murphy.

There has been a lot of turbulence in Ireland's general insurance market with lots of companies exiting - claiming that it wasn't profitable. But a series of reforms including the PIAB scheme and caps on payouts has seen newer entrants coming in. One of the more notable new kids on the block will be OutSurance from South Africa which launches this week. Joining Joe in studio was Peter Broome the Country Manager of Outsurance Ireland.

The Sound Of The City. Your chance to win R10 000, thanks to 947 and OUTsurance. Can you guess what the sound is? WhatsApp the word “Sound” to 061 4 947 947 and tell us what it is. We could be calling you. Ts and Cs apply.See omnystudio.com/listener for privacy information.

Wayne McCurrie of FNB on latest results from Sun International, the JSE, and OUTsurance. Dr Roelof Botha shares insights into the Afrimat Construction Index, and whether we are still seeing green shoots? Megan Fraser, tax manager at Allan Gray, discusses residency tax. Who pays and when do you pay?

Danie Matthee, Chief Executive Officer at OUTsurance discusses Pointsmen Initiative, Primedia Broadcasting as their new media partner and How can motorists request pointsmen at a specific intersection and how How can motorists request pointsmen at a specific intersection.See omnystudio.com/listener for privacy information.

Lester Kiewit speaks to Danie Mathee, the CEO of OUTsurance about how they are bringing relief to motorists stuck in a traffic nightmare, with extending their pointsman project.See omnystudio.com/listener for privacy information.

Gary Booysen from Rand Swiss talks OUTsurance's strong results and the special dividend paid. Rhandzo Mukansi of Future Growth on whether financial repression policies could solve SA's fiscal woes. SAVCA CEO Tshepiso Kobile on private equity trends and the growth in infrastructure investments.

Marthinus Visser, OUTsurance's CEO on their annual financial results and the factors that helped them see an increase in their earnings.    On The Money Show Explainer, we looked at the business of running a music and food festival with Tom Pearson-Adams, founder and CEO of Massive Management and Delicious Festival.   For our Friday File, Mark Smyth, freelance automotive journalist looked at Four Season Hotels taking luxury to another level - the ocean.See omnystudio.com/listener for privacy information.

Episode 410."Eye In The Sky" Movie Composer: Paul Hepker.Paul Hepker is a talented composer whose "Eye In The Sky" remains one of my most favorite movie scores. It is also Alan Rickman's last movie. His other credits include Rendition, Tsotsi and so many more.Born in Zimbabwe and raised in South Africa, Paul Hepker trained as a concert pianist under Adolphe Hallis. He worked as a Musical Director at the National Theatres in Pretoria and Cape Town (The Rocky Horror Show, Joseph) and has performed or recorded with a number of prominent South African and international artists such as Shirley Bassey, Miriam Makeba, Ice Cube and Vusi Mahlasela. He wrote the voter education theme “Make Your Mark” for the first democratic elections in South Africa, which gave birth to a National TV gameshow of the same name. In the mid-1990's he toured the world as a member of Grammy-nominated band Johnny Clegg and Savuka (Juluka) before moving to Los Angeles in 1997 to pursue a career in composing for stage and screen.A long-time member of acclaimed Los Angeles theatre company Circle X, Hepker garnered an Ovation Award, two LA Weekly Awards, and numerous nominations for his work as composer or Musical Director on productions such as Grendel, Laura Comstock's Bag-Punching Dog, and Romeo & Juliet: Antebellum, New Orleans, 1839.In 1999 Hepker was a Finalist in the inaugural John Lennon Songwriting Competition and has had songs featured in, and included on the soundtracks for Eye In The Sky, Tsotsi, Permanent Midnight, Soul Survivor, The Bird Can't Fly and Into The Light.Paul's latest project is Official Secrets (Starring Keira Knightley, Ralph Fiennes, Matt Smith) – his fourth collaboration with director Gavin Hood. Paul also co-composed the music for Tsotsi (which won the 2005 Academy Award for Best Foreign Film), Eye In The Sky (starring Helen Mirren, Alan Rickman) and Rendition (starring Reese Witherspoon, Jake Gyllenhaal, Meryl Streep). Along with fellow South African composer Mark Kilian, Paul scored The Bird Can't Fly (starring Barbara Hershey). His score for Into the Light – a documentary exploring the AIDS crisis in Tanzania, featured Kenyan singer Ayub Ogada.Paul was series composer on numerous Discovery, History and National Geographic Channel series, including Deadliest Catch, IRT Deadliest Roads,  Crash Files, Impact, America's Deadliest Season, Into the Firestorm, Raw Nature, Iditarod, Herrings – all for Original Productions – and Shark Taggers (NBC).Paul returned to South Africa in mid-2012, where he has been involved in music production (Ard Matthews), writing music for commercials (Nedbank Private Wealth, OUTSurance, Spar, Nissan, Serengeti Beer)  and film-scoring: he recently composed the music for Kite (starring Samuel L. Jackson) and Shepherds and Butchers (directed by Oliver Shmitz and starring Steve Coogan) both for visionary South African producer Anant Singh.Welcome the awesome, Paul Hepker.Monday Morning Critic: Instagram, TiKTok, YouTube and Facebook.www.imdb.com/title/tt12597724/www.mmcpodcast.com

In light of the recent Santam and OUTsurance updates, Mia Kriegler from Kruger International looks at whether long or short-term insurers are offering opportunity. Karen Lowe from 4 Day Week SA talks their pilot 4-day work week project. Wandile Sihlobo from the Agricultural Business Chamber of SA talks agriculture export forecasts for the year after a record 2022.

Wendy KnowlerSee omnystudio.com/listener for privacy information.

OUTsurance and Kfm 94.5, in partnership with the Drakenstein and Stellenbosch Municipalities, are proud to announce the expansion of the OUTsurance Pointsmen initiative into Paarl and Stellenbosch.See omnystudio.com/listener for privacy information.

This week we got a look at two reports into economic activity in Ireland, one from Enterprise Ireland and the other from Bord Bia. Eoin Burke Kennedy explains what we learned about the performance of homegrown businesses and within the growing food sector.But first, Joe Brennan explains what the arrival of a new insurer, the South African company OUTsurance, into the Irish car insurance market means for the industry and for motorists. Will their presence drive down premiums? Hosted on Acast. See acast.com/privacy for more information.

This week we got a look at two reports into economic activity in Ireland, one from Enterprise Ireland and the other from Bord Bia. Eoin Burke Kennedy explains what we learned about the performance of homegrown businesses and within the growing food sector.But first, Joe Brennan explains what the arrival of a new insurer, the South African company OUTsurance, into the Irish car insurance market means for the industry and for motorists. Will their presence drive down premiums? Hosted on Acast. See acast.com/privacy for more information.

  Oil below US$ 80, the first time this year. OPEC+ made no production changes. EU price cap on Russian oil. Done via insurance, but will it work and if it does will oil not move higher? Simon Shares Nampak (JSE code: NPK) results and book build. Worth a speculative punt after the rights issue is done? Solid Sygnia (JSE code: SYG) results and strong dividend. RMI becomes Outsurance on the JSE, code OUT. China zero-covid. Local GDP, better than expected. Worst ETFs of 2022 Position your portfolio for 2023  

After the results, are any FAANGs worth buying? FAANGs, a mixed bag with Meta (NASDAQ code: META) the biggest loser. Is it worth buying or what of the other FAANGs? Apple (NASDAQ share code: AAPL) and Amazon (NASDAQ code: AMZN) would be my picks. Why buy the losers? Simon Shares RMI, I got confused between RMI and RMH last week. Former is becoming Outsurance. Capital & Counties (JSE code: CCO) trading update shows strong leasing activity at Covenant Garden. Octodec (JSE code: OCT) results, discout to NAV +50%, dividend yield ±14%. Sasol (JSE code: SOL) convertible bond issue essential a back door right issue. Bonds expire in five years and convert into Sasol shares at US$20.3863. RSA Retail Savings bonds now offer 11.5% fixed for five years.

Clement is joined by TMPD superintendent, Kuki Tshabalala  and two OUTsurance traffic controllers, Johnson Dlamini and Nthabiseng Moloto, understanding and appreciating the work they do to manage traffic on our roads.   See omnystudio.com/listener for privacy information.

Kruger International's Mia Kruger talks Friday's selloff that saw the JSE at new lows for the year. OUTsurance CEO Marthinus Visser on the insurer's listing process and growth prospects in Australia. Craig Gradidge from Gradidge Mahura talks Old Mutual's Bula Tsela BEE scheme details and value.

In this Episode we have the pleasure of having the CEO of DISRUPT X, Gidyon Lankers on the show. He is 26 years old, grew up in Nelspruit and studied at Vega in Durban. He started his digital marketing business in 2020 and has worked with brands like Investec, Old Mutual, OUTsurance, The Glenlivet. He is passionate about content marketing, lead generation and brand building. We talk about how Gidyon got into his business and what is digital marketing. Gidyon explains how he creates content, defines earch engine optimization and talks about the importance of keyword research. We chat about the challenges that are faced when starting a digital marketing business and dive into lead generation and how it works. CHAPTERS 0:00 - Intro 1:16 - Gidyons Business 3:10 - What is digital marketing 5:50 - Creating Content 7:28 - Search Engine Optimization 9:07 - Keyword research 13:49 - Challenges when starting a business 20:50 - Lead Generation 23:35 - Advice to people who want to start a digital marketing business 25:33 - Hustlers Global 28:53 - Outro Check Out our other episodes here:

Victor Mupunga, Senior Research Analyst at Old Mutual Wealth Private Client Securities discusses RMI's financial results with Simon Brown of Moneyweb Radio. He explains why the OUTsurance business remains attractive and represents a great opportunity for investors when it lists as a standalone unit.

Wayne McCurrie on the Tencent results and what he expects from the MPC.Victor Mupunga, Senior Analyst at Old Mutual Wealth on RMI results and the OUTsurance listing. Sean Sanders, Revix on the surge in DeFi crypto investments and products.

Re RMI, ‘I think it's becoming more and more difficult for management teams to justify the holdco structure' – Victor Mupunga of Old Mutual Wealth Private Client Securities.

Shanray van Wyk is a comedian, actor, and writer. While he says he's lazy, his output says otherwise. We hear what it was like to manage the Melville Comedy Club, how lockdown brought everything to a halt, and what the journey of getting back on stage has been like for him. Shanray kept busy during lockdown, and thanks to his nightly Instagram Live shows, he is currently the face of Outsurance. Run George, a short film he wrote with Bongani Dube, was also finished during the pandemic and has been picked up by festivals around the world. Shanray shares the particularly brutal criticism they got about the first draft of the script from an older comedian. Enjoy. Keep up with Shanray on Instagram: https://www.instagram.com/shanrayvwyk/ Follow Almost Perfect Media on Twitter: https://twitter.com/almostperfectza Support the podcast: https://www.patreon.com/almostperfect Sign up to the newsletter: https://bit.us19.list-manage.com/subscribe?u=2531d05c0dd107158fa4a540a&id=bd1021fc47

Danie Matthee – uitvoerende hoof, OUTsurance

RMI is to drop Discovery and OUTsurance, and Telkom aims to list Swiftnet – with each company's share price rising dramatically as a result: Schalk Louw from PSG Old Oak.

Survivor South Africa RHAPup hosts Mike Bloom and Shannon Guss discuss the chaotic episode 13 of Immunity Island with Survivor SA finalist Jeanne Michel, diving into the double flip, fiery and literal fire tribal council, Outsurance loved ones visit and a difficult Chissy week. The post Survivor South Africa: Immunity Island | Episode 13 RHAPup & Exit Interview | Jeanne Michel appeared first on RobHasAwebsite.com.

Survivor South Africa RHAPup hosts Mike Bloom and Shannon Guss discuss the chaotic episode 13 of Immunity Island with Survivor SA finalist Jeanne Michel, diving into the double flip, fiery and literal fire tribal council, Outsurance loved ones visit and a difficult Chissy week. The post Survivor South Africa: Immunity Island | Episode 13 RHAPup & Exit Interview | Jeanne Michel appeared first on RobHasAwebsite.com.

As part of the ‘Staff Helping SA OUT' initiative, OUTsurance delivers food to KwaZulu-Natal and helped clean up Gauteng after the recent unrest. OUTsurance Chief Marketing officer, Carl Louw joined Breakfast with Martin Bester on Monday morning.

After over a year without OUTsurance Pointsmen guiding traffic in the City of Gold, the free service to motorists has returned!

The crew discusses 'Cancel Culture' in light of South African TV Presenter and face of insurance company Outsurance, Katlego Maboe, losing his job and other endorsement deals after his wife exposed his cheating on social media, with allegations of physical abuse also coming from close family members.

Podcast Sundays are back and the boys dive right into it with a lengthy discussion about the #cheating scandal involving public figure and face of #Outsurance, #KatlegoMaboe (2:25). In the second half of the show, the boys debate about what they'd deem to be a more desirable economic and political landscape (37:35). All this and more on this week's episode of Your Girlfriend's Favourite Podcast! Music Segment: Vusi's pick - Joda Kgosi | "Lunatic" Sizwe's Pick - SEAL | "Fly Like An Eagle" --- Send in a voice message: https://anchor.fm/yourgirlfriendsfavourite/message

Danie joined OUTsurance in 2002 as a sales advisor, rapidly working his way up through the ranks. He was appointed to the EXCO in 2005 as the company's Head of Sales. With over 20 years' experience in the insurance industry, he was appointed as Chief Executive Officer for OUTsurance in 2017.

See omnystudio.com/policies/listener for privacy information.

See omnystudio.com/policies/listener for privacy information.

See omnystudio.com/policies/listener for privacy information.

See omnystudio.com/policies/listener for privacy information.

See omnystudio.com/policies/listener for privacy information.

BizNews — This week a Western Cape High Court ruled in favour of a Cape restaurant, Café Chameleon. Insurance Claims Africa, fighting for 500 business in the country to get their claims paid out, says the decision is precedent-setting. But the country’s biggest short-term insurer, Santam, announced yesterday that it is sticking to its policy of separating the lockdown from the Covid-19 pandemic and is not paying out. It will wait for its court case in September to get further clarity on its position, but Chief Executive Officer, Lizé Lambrechts said the insurer is confident it has taken the right stance. There is a storm brewing globally over how the insurance industry has reacted to Covid-19 claims, with billboards in New York urging the worldwide industry to do “the right thing”. In South Africa, there is one insurance company, OUTsurance (which is majority owned by Rand Merchant Insurance Holdings) that is an outlier in the industry. Chief Executive Officer, Danie Mathee told BizNews that its brand and reputation is more important than fighting against claims. - Linda van Tilburg

BizNews — This week a Western Cape High Court ruled in favour of a Cape restaurant, Café Chameleon. Insurance Claims Africa, fighting for 500 business in the country to get their claims paid out, says the decision is precedent-setting. But the country’s biggest short-term insurer, Santam, announced yesterday that it is sticking to its policy of separating the lockdown from the Covid-19 pandemic and is not paying out. It will wait for its court case in September to get further clarity on its position, but Chief Executive Officer, Lizé Lambrechts said the insurer is confident it has taken the right stance. There is a storm brewing globally over how the insurance industry has reacted to Covid-19 claims, with billboards in New York urging the worldwide industry to do “the right thing”. In South Africa, there is one insurance company, OUTsurance (which is majority owned by Rand Merchant Insurance Holdings) that is an outlier in the industry. Chief Executive Officer, Danie Mathee told BizNews that its brand and reputation is more important than fighting against claims. - Linda van Tilburg

Moneyweb Radio — Danie Matthee –uitvoerende hoof, OUTsurance

Warren speaks to Natasha Kawulesar, Head of Client Relations at OUTsurance, about how you can optimise your monthly insurance and save money. Follow Honest Money on twitter for more news and updates: @HonestMoneyPod

Business Day TV — Jean Pierre Verster from Protea Capital Management chose Progressive Corporation as his stock pick of the day and Rowan Williams from Nitrogen Fund Managers chose Naspers Verster said: "My stock pick is a short-term insurer listed in the US called Progressive Insurance the share code in the US is PGR and they're almost like the OUTsurance equivalent in the US. Like I explained short term insurance is very low risk at the moment, people still pay their premiums so I think it's a share that is a good one for the long term where you won't be negatively impacted from dividend cuts." Williams said: "I'm going to be conservative and just say stick with Naspers. You've got a rand hedge there and you've got an asset in Tencent which is certainly going be a beneficiary from the changes we're going to see in consumption patterns and human behaviour. You get a 50% discount NAV, it's not a difficult decision to make and that to me makes a lot of sense."

MultimediaLIVE — In this edition of Business Day Spotlight, we look how how a new player in the insurance industry is attempting to reduce the cost and waiting times for insurance in SA through technology. Our host Mudiwa Gavaza joins Ernest North, co-founder at Naked, the artificial intelligence based insurance platform at their offices in Parktown, Johannesburg. In an insurance market dominated by large players like Hollard, Outsurance, Liberty and Old Mutual amongst others, Naked, has now entered the home cover market with its building and contents products as it continues its efforts to disrupt the traditional business model. The discussion also explores trends that will likely shape insurance over the next decade, economics pressures currently facing consumers, the role of technology in changing how businesses work and the advantages of using AI to detect fraud. Listen in to hear the full discussion and thoughts around these and other questions. Business Day Spotlight is a MultimediaLIVE Production.

Business Day TV — Ian Cruickshanks from SAIRR chose US Corporate Bond ETF as his stock pick of the day and Rowan Williams from Nitrogen Fund Managers chose Rand Merchant Inv Hldgs. Cruickshank said: I'm still bearish on the rand and South African economy so any protection for that I'd go to a dollar priced ETF and would be happy to be there for a year or two on the S&P 500. Williams said: "I'm going for RMI and it's kind of hedging your bets, it's a holding company and it's also moved to a wider discount. It's actually got a mix of local assets which I guess is somewhat interest rate sensitive Discovery, Momentum, MTN and then also OUTsurance which is actually a fantastic asset and business and has sort of been in a little bit of a lull. So a bit of a mixed balance at a fairly good discount to NAV."​

Business Day TV — Drikus Combrinck from Capicraft chose Grindrod as his stock pick of the day and Rowan Williams from Nitrogen Fund Managers chose Rand Merchant Investment Holdings Combrinck said: "I chose Grindrod Shipping, a company that spun out of Grindrod around a year and a half ago and it plummeted from the listing price of around R130/R140 to about R80 per share recently. A lot of it has to do with the spin off, where share holders did not want to be part of this volatile and cyclical part of it. It's trading at 60% to its NAV which is tangible NAV (ships that they can sell) and get hard currency for it. Williams said: "Mine is RMI, a portfolio of insurance assets so, Discovery has been somewhat depressed, so you're getting in at a better level. MTN has also been somewhat depressed, so has Metropolitan. Hastings is a UK insurer on OUTsurance which they recently came with results, a little bit depressed but we are seeing value at these levels. It is a portfolio so it is a player to a large extent on South Africa, but it looks like it's offering value here and I think you're getting in a decent entry price."​

MultimediaLIVE — In this edition of Business Day Spotlight, our focus is on start-up Black Beard which recently rebranded to Basalt. Our host Mudiwa Gavaza is joined on the line by Wayne Zwiers, Basalt CEO and founder. Founded in 2017, Basalt has added a number of corporate clients to its roster, including: Standard Bank, Discovery, Westbrooke Alternative Asset Management, Investec Property, OUTsurance, Capricorn Fund Managers, NewzroomAfrik, Neopak and Buyisa Private Equity Fund. In this discussion, Zwiers takes us through Basalt’s history and foundation, the rationale behind the rebranding, as well as current projects and plans for the future. He takes time to explain how Bizank, a robo-advisory platform backed by Anchor Capital, was first created and how it came about. Bizank uses Anchor Capital’s active asset manager to manage its investments. Robo-advisers are automated — typically web or app based — and are associated with lower costs. Start-up businesses can take a long time before reaching profitability. Zwiers says Basalt has been profitable since its first year and gives some tips on how entrepreneurs can structure their businesses in ways that help them to be efficient, while remaining focused on creating and delivering the best possible product or service. Currently employing about 30 people, the company has operations in Johannesburg, Pretoria and Cape Town, with plans to establish a presence in Ukraine, the UK and Australia. Listen in to hear thoughts around these and other questions. Business Day Spotlight is a MultimediaLIVE Production.

Business Day TV — Gary Booysen from Rand Swiss chose Equinix as his stock pick of the day and Jean Pierre Verster from Protea Capital Management chose Progressive Corp Booysen said: "I'm going with Equinix, it's essentially a large listed property REIT, so it's a property company but it actually creates data centers so it's another way to play cloud computing without actually holding the computing section of the the business. They essentially then rent out server racks and server space to different people and have many partners. Among their clients are about half of the Fortune 500 companies so it's a company that's growing very rapidly. It is fairly expensive at this stage to take a sell off as most things did overseas into December, so the year to date return on the stock looks incredible, at almost 50 percent up for the year. That is because you're buying off a low base (if you started at the 1st of January) but it is expensive. It's trading on forward PE of about 23 so it is high but at the same time if you look at its data equity ratio - that's been falling quite aggressively so the balance sheet is getting stronger while the company is growing which is positive. It's very cash generative and all around it's it's not only a dividend play which which mode with most REITs are. Verster said: "My stock pick is called Progressive Insurance, they are roughly the OUTsurance of the US, they really started direct insurance through the telephone, before we had the internet and then started via the internet, selling their policies as well. It also started with pay as you drive insurance which means that your premiums escalate with how far you drive so, very good in terms of really pricing for the risk which is also what direct insurance is all about. Getting good underwriting information rather than going through brokers - not knowing exactly what the identities are of the people and their risk profile. So, Progressive Insurance is listed in the US, large insurance player in the sho

Do you resent seeing the same TV ads over and over? Ray White interviews branding and advertising expert Andy Rice.

I had barely landed my first job when I bought a car. I had no deposit, no idea how interest worked and did whatever it took to get wheels. Thankfully my mother had recently bought a car exactly like mine. I assumed that I couldn't afford anything bigger. In retrospect I probably could have gotten away with a much fancier car. Thank goodness for my own stupidity. I agreed to pay a fixed interest rate of 16.01%, paid the bare minimum instalment the entire time and ended up paying R138,527.46 for a car with a sticker price of R66,578.95. I also realised early on that I couldn't really afford services and tyres. Thankfully I've learned a thing or two about money in the eleven years since I bought the car, which is why I still drive it. Terence almost fell into a car trap, but then came to his senses. Last year my double cab bakkie was stolen and after a few months, I replaced with a shiny new Ford Ranger. The insurance payout was only ¼ of the price of a new car. I got caught up in the hype, bells and whistles of a new car and proceeded to buy one of the high-end models. After a year, the first license renewal came and I went off to the Post Office to renew it. When they gave me the amount, I had to leave and draw more money, because the license was R1200. I was mortified and went home a different person. I calculated how much EXTRA this car is costing per month than if I bought a small second-hand car for R120,000 Interest Lost: R1,700 (R300k in a 32 notice account at 6.7% interest) Extra on Insurance R800 Extra on Fuel R400 Extra on Licensing R 40 That's R 2940 p/m or R 35 280 p/a. 95% of the time I was in the car alone, so it made no sense at all to drive a car with 4-5 seats. I must've used the bells, whistles and ‘Voice commands' 3 or 4 times, after that it was just a car. That was when I made the decision to sell the car. I've taken a hell of a financial knock. I'm now looking for a second hand two-seater bakkie to do my DIY projects. It would do the job just fine at a fraction of the cost. Having this BIG expensive bakkie wasn't practical anymore because of the pressure experienced from three directions : Maintaining an expensive car. I think parts are priced at the “balancing point” where it's extremely expensive but not enough to justify replacing the car. The government will charge more for fees, tax and fuels costs get you too. Thieves are out there to steal the expensive cars (mostly), because of the high resale value of the parts. A friend also decided to trade his car for a double cab because they went on a road trip and the car was a bit small for all the holiday goodies. That only makes sense if you go on holiday for 6 weeks or more a year. If I hired a car for 10 days with Thrifty car hire it would cost between R4,900 and R7,700 depending on the car I got. The most expensive option is about 22% of the savings per annum and the R27 580 saved for the year could then be Invested. I think hiring would be more fun, because I can choose a different car every time. This is only for self-drive holidays, because when you're flying somewhere, you have to hire a car anyway. What would be the approximate financial gain in 10 years compared to the devaluation of the a car? I've made the mistake and taken a knock for it, so if anyone could benefit from this by thinking it through, running the numbers and making the right decision. Then my financial stupidity (loss) will not be in vain. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Matome is our winner. He took two years to sort out his finances, mailed an accountant for an answer (which he didn't get), took two days to draft an email to us, found the answer and then sent us another email. Even though he found his answer and he's now on the right track, I thought we could discuss his original question. He wanted to use his tax rebate to fund his TFSA, like I do. Are there different benefits (tax refunds) for the different savings vehicles like a pension fund VS a retirement annuity. He later discovered that his tax return doesn't reflect his current pension contributions, because I enjoy the tax relief on a monthly basis. I'd recommend he finds out what that tax relief impact is and save that amount. Ben  I wanted to know what you think about Easy Equities' EasyFX facility? Is it worth using based on fees and is it worth it to convert some of my hard-earned randelas into dollars? Also, after the misleading campaign of ABSA's 13% interest product left a bad taste in my mouth I am considering government bonds even though I am fairly new to that. Is there a recommended platform where I can pick those up? Get Down Adam figured out insurance premiums aren't as objective as he thought. In the spirit of decreasing my costs, I figured I would give OUTsurance a call. My car insurance was R900pm, which felt like too much. I got the insurance when I lived in the crime-infested city, so I figured now that I was being a rural doctor my costs should drop. I called them up and spoke to a lovely lady who registered my change of address and ran the magic computer. As it turns out, I now had to pay more. Crime isn't a problem in the sticks, but potholes are. Needless to say I was quite sad. The agent transferred me to her supervisor. I explained to him I was a bit shook. I told him Momentum short term insurance had offered me a better deal. Suddenly the game changed. I was thanked for my brand loyalty, for being claim free and for being a happy person on the phone. Suddenly, the computer system had also had a change of heart. The supervisor told me he wouldn't increase my premium. So that was nice. But then... he reduced my premium to R550pm (from R900) and asked me to continue being the good Outsurance customer I was. On top of that, he backdated the new premium by three months. Lesson is these companies make us pay made up amounts. There is money to be saved. Petrus has two very expensive pugs. I have two highly spoilt pugs, Oreo & Lili. We love them to bits and we don't have kids so they are like our kids. However, a couple of things to consider: Pets are expensive (obvious one that I am sure you already considered) If you ever move to another country be prepared to spend a fortune to move them (cost me around R40k) unless you are willing to give them up or even worse (and people do this) have them put down. Having guests over is quite challenging as some people don't like animals (makes me like them less). Biggest thing for us is how limiting pets are, you can't just pack up and go somewhere. You have to always think about your pets. Shall you take them along (AirBnB should be pet friendly then), you cannot travel by air, you have to leave your pet with someone else or pay a premium for a decent kennel (in SA I highly recommend: http://www.skyviewkennels.co.za/) Don't get me wrong, we absolutely love having Oreo & Lili in our lives, but the money is only a very small consideration for owning a pet. But if you get one, you'd better call him “ETF”…

The PSL is seeking legal advice after SAFA refused to budge over their referee sponsorship with Outsurance. Sponsorship Expert Steward Masela gave us insight into how these things work and what's causing the disagreement. City Press writer Daniel Mothowagae also joined in. Later we were joined by SA Batsman Temba Bavuma to come talk about the great work his foundation is doing.

When the now hugely successful business called Outsurance opened shop in 1998, those running South Africa’s short-term insurers lost little sleep. Slowly but surely, however, the disruptor ate away at the establishment and is today one of the country’s Big Three alongside Santam and Mutual & Federal – with a flourishing business called Youi in Australia. The group is now branching out into savings and investments, using algorithms, technology and ETFs to slash costs and open up opportunities for the general population. With its investment plans starting at a modest R100 monthly, the new OUTvest is reaching into a sector that had little option outside low yielding savings accounts.

TechCentral — In this episode of the podcast, Duncan McLeod interviews Rain Mobile CEO Willem Roos on the launch of the wireless operator's mobile offerings last week. Roos explains the packages, how they work and who they are targeted at. Roos, who is former CEO of Outsurance, explains why he took up the offer to lead Rain, what his plans are for the business and where it’s going. Will Rain launch traditional voice calls on its network? How does its agreement with Vodacom work? And what are its plans to grow its network coverage? Roos also talks about building a network of scale in a competitive industry and how it plans to differentiate itself. It’s a great discussion about South Africa’s fifth – and newest – mobile operator. Don’t miss it!

So much of what we discuss on The Fat Wallet has to do with investing for some future date. We never really get around to what to invest in if you need money right away. Unfortunately the first thing you need, for those of you who suddenly perked up, is capital. Listener (and great guy) Daniel Jacinto is paying for his parents' medical aid with income from a buy-to-let property. Since discovering The Fat Wallet, Daniel has realised there's more than one way to skin a cat, and if that way doesn't have to involve levies and maintenance it's probably more fun. This week we discuss Daniel's options, as well as the cool new products we love and we get to peek inside a very decent investment portfolio. Since we haven't recorded a Fat Wallet in two weeks and haven't really had a chance to hang out since Simon's return from holiday, this one seems to get to the one hour mark without us. Links and sources At the beginning of the episode I get a bit lyrical about Stash.  We also talk about a new robo advisor from OUTsurance. Find OUTvest here. We didn't think it was possible, but our Listener Love Index seems to be doing worse than before. Kris 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.

One of the SA financial services sector's brightest minds, 45 year old Herman Bosman, has been in his new office for just over a month. CEO-designate of RMI (market cap: R45bn) and RMH (R72bn), he was hand-picked by FirstRand's founding trio GT Ferreira, Laurie Dippenaar and Paul Harris. In this interview with Biznews.com's Alec Hogg, Bosman explains how he intends engaging more actively with the underlying companies - FirstRand, Outsurance, Discovery and MMI - and his intention to build not only a new division for RMI, but a thriving business incubator.