Podcasts about r36

Siyamthanda Majozi from Burlington will soon be heading to India to play cricket. The rising star has a story that will motivate sports lovers all around. Siyamthanda just got back into cricket after a brief hiatus following his father's passing. The young man has shown promising progress and improvements in his performance, which resulted in his selection to travel overseas. He has been playing cricket since the age of nine after being introduced to the sport by a friend in Grade 3. "I come from an area where cricket is not often played. Most people are interested in playing soccer," he told East Coast Radio. He was informed about the trip to India in March and has been preparing ever since. According to the young sports star, he was selected after he made improvements to his performance. Queensburgh High School's Sports Co-Ordinator Nhlakanipho Sibisi said it was an emotional moment when he received the news from Siyamthanda. "Two years ago, he came to me and said he is a good cricket player. He asked me to bring cricket back and now he's opening doors for others who want to play the sport," he said proudly. The trip to India costs a mind-blowing R36,000 and the school is trying their best to facilitate the young man's dream. According to principal Mr NJ Phungula, Siyamthanda continues to make the school proud. "We are very very proud of him. He just recently went on a tournament in Benoni and he's been selected twice for KZN cricket," said Mr Phungula.

Siyamthanda Majozi from Burlington will soon be heading to India to play cricket. The rising star has a story that will motivate sports lovers all around. Siyamthanda just got back into cricket after a brief hiatus following his father's passing. The young man has shown promising progress and improvements in his performance, which resulted in his selection to travel overseas. He has been playing cricket since the age of nine after being introduced to the sport by a friend in Grade 3. "I come from an area where cricket is not often played. Most people are interested in playing soccer," he told East Coast Radio. He was informed about the trip to India in March and has been preparing ever since. According to the young sports star, he was selected after he made improvements to his performance. Queensburgh High School's Sports Co-Ordinator Nhlakanipho Sibisi said it was an emotional moment when he received the news from Siyamthanda. "Two years ago, he came to me and said he is a good cricket player. He asked me to bring cricket back and now he's opening doors for others who want to play the sport," he said proudly. The trip to India costs a mind-blowing R36,000 and the school is trying their best to facilitate the young man's dream. According to principal Mr NJ Phungula, Siyamthanda continues to make the school proud. "We are very very proud of him. He just recently went on a tournament in Benoni and he's been selected twice for KZN cricket," said Mr Phungula.

Returning host and executive honcho-at-large Robbie Thomson is joined by Andy Scott and Jonathan Johnson and they discuss the gripping battle for 2nd between Lens and OM, Paris Saint-Germain's instability in the face of a record 11th Ligue 1 Uber Eats title and Nantes' survival bids which looks like it will go down to the wire.  There's also our weekly Déjà Who quiz, with your chance to win a Ligue 1 Uber Eats jersey, plus the panel's red-hot tips on which R36 matches to check out in France's top flight! All this and more on Le Beau Jeu, the official Ligue 1 Uber Eats podcast in English!

A radical ramp-up of renewable energy and green hydrogen capacity will be needed by 2040 to take South Africa towards a net-zero climate change commitment, the Coal & Energy Transition Day heard on Wednesday. On the coal-fired power front, South Africa would from the 2040s/2045s need to have exited coal-fired power generation with the exception of this country's two newest Kusile and Medupi power stations. In addition, a fork-in-the-coal road future is foreseen owing to the need of all coal-fired power stations to comply with air quality and emission standards, , the event covered by Mining Weekly was told. While some Eskom power stations are heading for retrofitting of flue-gas desulphurisation and other technologies used to remove sulphur dioxide from exhaust flue gases of fossil-fuel power plants, air quality compliance for those coal-fired power stations approaching the end of their lives is unlikely owing to the prohibitive cost of R36-billion to R46-billion per power station. The hybrid in-person and online audience heard that all modelling is pointing to a radical dropping off of the coal market in the 2030s and particularly after 2035 amid several Western countries imposing carbon border taxes and several Asian countries signing net-zero targets. Having built all the local industrial capacity to drive the production of batteries and the renewable energy transformation, key country China, for example, is approaching the transition away from fossil fuels in what was described as “a very systematic way” that pointed to a major move away from fossil fuels going forward. Meanwhile, South Africa's carbon emission intensity of twice that to China and 75% that of India has to be rapidly descaled to avoid serious long-term economic risk. “We want to urgently start working with the coal industry to plan what we call the just transition,” Presidential Climate Change Commission executive director Chrispian Olver emphasised at the Coal & Energy Transition Day, chaired by mining stalwart Bernard Swanepoel. Olver described the just energy transition as a process including economic diversification and the comprehensive exploitation of the Mpumalanga province as a renewable energy and green hydrogen hub. Describing green hydrogen being South Africa's long-term energy carrier of choice, Olver spoke of South Africa's “two very serious advantages”, the one being having among the best renewable resources in the world, and the second being the number of major companies with the technical and managerial capacity to make that the gren hydrogen industry a reality. The Presidential Climate Change Commission, Olver revealed, was doing detailed research to understand exactly when South Africa would be able to attain net-zero status, with recommendations on a feasible carbon budget targeted for 2023. “South Africa is well endowed with minerals and we need a vast amount of minerals for the future green economy. “We've got vanadium, cobalt, iron and steel, copper, manganese, rare earths, and all of this is going to be in huge demand as we go into the future green economy, and we need to be sorting out how we properly exploit that,” said Olver, in raising the need to fix the cadastral system to support minerals exploration, come up with energy solutions for mining operations, and help the sector with the security issues being experienced at some mines. Olver expressed the willingness of the commission to “roll up our sleeves” and work productively mining to help solve its problems, in the hope that reciprocity would ensue around discussion on South Africa's just energy transition. Seen as being a crucial part of the energy transition is the the reskilling and retraining of mineworkers, the identification of their path into future jobs, and the aligning of diversification strategies.

Nonprofit organisation the Motsepe Foundation has launched two large-scale agricultural and farming projects involving rural and traditional communities in Limpopo and Mpumalanga, in partnership with agriculture industry association Agri SA and established commercial farmers and agribusinesses. Owing to legal and tax requirements and because of the commercial nature of the two projects, the Motsepe Foundation has facilitated about R70-million in funding for the projects through a company established by the Motsepe family called the Motsepe Company. “It is imperative that traditional communities, poor rural and urban communities, black farmers and other historically disadvantaged communities participate in and benefit from the agricultural and farming industry in South Africa. We have a lot of urgent work and measures to implement to make this happen,” Motsepe Foundation founder Dr Patrice Motsepe said at the launch in Sandton on June 15. He said it was important that commercial banks and other financing institutions stepped in to provide commercial loans to these traditional and historically disadvantaged communities and farmers. “The banks have a duty to provide funding that makes commercial sense. However, because some of the farming and agricultural ventures are classified as high risk, the interest rates are very, very high. It makes it very difficult to back the loans and also to retain some of the profits,” Motsepe said. MPUMALANGA The agricultural project in Mpumlanaga involves the Hhoyi Traditional Authority, led by Inkhosi Sandile Ngomane, the Siboshwa Traditional Authority led by Inkhosi Nicholas Ngomane and the Matsamo Traditional Authority led by Inkhosi Mduduzi Shongwe. The project involves three sugarcane joint ventures covering 10 456 ha, which were established for the benefit of the Hhoyi, Siboshwa and Matsamo traditional communities. The project is being carried out in partnership with consumer foods producer RCL Foods. RCL Foods and the Motsepe Company are each providing soft loans of R36-million at 3% interest. RCL has a long history with this project and the communities. In addition to its shareholder loans, RCL has taken over high-cost loans from commercial banks and the Land Bank. About 200 permanent and 1 000 seasonal jobs are being saved as a result of the funding provided by the Motsepe Company and RCL. The soft loans by the Motsepe Company and RCL will rescue a land reform project that was funded by the South African government and handed over to the Hhoyi, Siboshwa and Matsamo traditional communities. This land reform project failed, however, because the traditional communities did not have the capital, financial and technical resources, nor the requisite skills and expertise for the sustainability and long-term success of the project. LIMPOPO The agricultural project in Limpopo is a citrus farming project – the Majeje project – which is being established for the benefit of the Majeje traditional community led by Hosi Ntsanwisi. The project is being carried out in partnership with fruit producer Komati Fruit Group and financial institution Absa. The Mostepe Company will be providing a R30-million long-term soft loan to help fund the project, which will see citrus fruits planted on 457 ha of irrigated land. The expectation is that the project will create about 50 new permanent jobs and 300 seasonal jobs. The Majeje citrus project will use community land adjacent to the existing successful Komati citrus farms. The land is underdeveloped because of the lack of capital, financial and technical resources and the appropriate skills and expertise. The R30-million long-term soft loan that is being provided by the Motsepe Company has facilitated the unlocking of about R90-million of funding to the Majeje citrus project from Absa. Motsepe said the establishment of mutually beneficial partnerships between traditional and other historically disadvantaged communities, black farmers and established farmers woul...

Tax season is coming to a close at the end of Feb!  In today's episode, Warren Ingram speaks to tax guru, André Bothma, on Tax-Free Savings Accounts, tax tips on your RA, side hustle provisional tax, the best time for bonus payouts, how tax works with portfolio diversification, and more about  André's journey on becoming the Tax Maverick.Topics/ Questions: TFSA Limits: How does SARS know I've invested the R36,000.00 limit or lifetime R500,000.00 in my tax free investment account?Investing in TFSA: I understand the tax year ends at the end of Feb, would it be advisable to max out the R36,000.00 before then and continue with a R3000 contribution p/m from March?Individual tax tips on RA's and how it helps with tax rebatesTax tips on side hustles and provisional tax Tips on bonus payouts during February for businesses Understanding how admin fees on your policies can affect your investments Diversification and how it can help you The Tax Maverick: André's journey  Tax advice for entrepreneurs: what software will assist with the tax return process  Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode: Twitter Spaces can now be recorded for later playback TikTok gets a tip jar to support creators Apple's M1 Pro/Max MacBook's priced from R36,300 Tech Byte airs daily on Monday to Friday. For the latest tech news, be sure to follow Stuff on Twitter, Facebook and Instagram or head on over to our website.

A morte do carro popular: o fim do Sandero é só o início? Nova geração R36 do Nissan GT-R: o que ele precisa ter, fazer ou ser para conseguir o mesmo impacto que o Godzilla teve em 2007 - e os desafios de imagem por ter ficado tanto tempo no mercado. "Never meet your heroes" - carros que a equipe guiou que contrastaram muito com a expectativa. Estas são as principais rodas de discussão do FlatOut Podcast 58, além é claro, das matérias de destaque do site, o Desafio do Ronco e as músicas que sugerimos na Rádio FlatOut!

In today's podcast episode we talk to Wadzanai (Wadzi) Garwe, originally from Zimbabwe, she now lives in Rome, Italy; she is the founder of African Conversations with Self and an economist that works for the United Nations. Wadzi is also a mother of 2 who takes us through her journey of building generational wealth for her children. She starts off the podcast by explaining to us that in Zimbabwe, owning property is a right of passage to be considered an adult.  So when she got married and had kids, it was only normal that she would get property, but she and her then-husband decided to buy land so they could build a house and also turn part of it into a business. They decided from the beginning that they were going to do everything cash and not take on bank loans.    They bought 6.5 hectares of land for US$13,000 (R186,462) from a British couple in the late 90s and negotiated a 12-month payment term.   As soon as they owned the land, they sectioned off parts of it for different uses. They started planting trees and other plants to make sure that the land was profitable from the very beginning.  They also build a 1 bedroom cottage on the property (they would later use this space to host and cater for events), and started building their house cash. The house cost them US$250,0000 to build in total - walls, foundation and finishings. Over time they planted more trees and added more income streams and turned the land into a business with multiple streams of income. That business is now registered in Wadzi's children's names and is now valued at US$2.5 million (R36 million). Her children are not yet 30 and they are already dollar millionaires because of the decision she made to utilize land to create generational wealth. In this podcast, Wadzi shares how she was able to do all this without taking on debt and gives us tips on how we can also do it moving forward.   Get your pen and paper and click play because you're in for a treat.   Start your property investing journey in 10 easy steps! Get the Property Magicians Podcast 10 step guide to help you start investing in real estate so you can get your first, second or even third property. Go to this link to download the book: wealthy-money.com/propertyguide PPS: If you love the book, spread the word and share the link and if you really wanna thank us, please leave the Property Magicians Podcast a 5 star review on iTunes. 

The South African government has set aside R36 billion financial assistance and incentive relief to businesses hardest hit by the recent riots in Gauteng and KwaZulu-Natal with the aim of helping them get back on their feet. See omnystudio.com/listener for privacy information.

Treasury has announced a R39bn package to provide relief to the poor and to support business, which won't require new finance and will therefore not lead to additional debt. The package will be funded by higher-than-expected tax revenue, with R36.3bn being new money and R2.65bn from  adjusting the budgets of the departments of trade, industry and competition, and small business development.

Inwoners van Beaufort-Wes in die Wes-Kaap is gekant teen die hidroelektriese boor vir skaliegas in die gebied. Die FAK het 'n kunstenaar opdrag gegee om 'n replika te skep, om die brons borsbeeld van generaal Koos de la Rey te vervang. 'n Plaasboer van Mpumalanga, Fritz Louw, het 'n klag by die Openbare Beskermer ingedien oor die swak toestand van die R36-pad.

Candice Paine, of PR Financial Services, explains the benefits of tax-free investments. 'The longer you save, the bigger the tax saving', says Paine. An individual can contribute a yearly amount of R36,000 - up to a lifetime maximum of R500,000. 'As the money grows, all the returns on that investment are tax-free'.

Candice Paine, of PR Financial Services, explains the benefits of tax-free investments. 'The longer you save, the bigger the tax saving', says Paine. An individual can contribute a yearly amount of R36,000 - up to a lifetime maximum of R500,000. 'As the money grows, all the returns on that investment are tax-free'.

Ray White speaks to Kurt Moore, CEO at South African Liquor Brand owners Association about the effects on the three alcohol bans on the industry and the R36.3 billion revenue lost. The Foschini Group invests in local manufacturing development. On The Side Hustle, Nic Haralambous takes us through building a small business slowly and tells us about the hour audit  See omnystudio.com/listener for privacy information.

Investing history teaches us success is all about asset allocation, as Grant Locke explains in this presentation. History is unfortunately annoyingly silent on what precisely the best asset allocation would be. Where does that leave those of us investing for the long haul? Should we pick a mix and stick to it? Should we adapt our asset allocation mix to suit the current market conditions? While Ash asks this important question in relation to a retirement product, it's a question each DIY investor would have to answer for themselves. This is an excellent way to end our Fat Wallet year, because we're once again reminded that intentionality and mindfulness matter when it comes to money management.  2020 gave us all a lesson in having high expectations of a new year, so this year I won't toast 2021. Instead, let's all raise a glass to the end of 2020 and have that be that. Thanks for listening! Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Ash I get that you partner with Outvest and their Coreshares offering based on their incredibly low fees. I have since been looking at the passive balanced funds available in the market and have picked up that they are not all the same. Could you possibly comment on what is termed a "hard-passive product" which invests in ETFs like the Coreshares OUTmoderate Fund that has a Fixed Asset Allocation? vs a "soft-passive fund" like the Sygnia Skeleton Balanced 70 that is able to adjust its asset allocation on a regular basis however it still uses ETFs and low cost passives in its portfolio. When reading multiple articles online it's seems asset allocation brings in the bulk of your returns over stock picking, so wouldn't it be beneficial being in the Sygnia portfolio that is able to adjust its asset allocation to market risks over time? A prime example being that Sygnia currently doesn't hold any property in its portfolio vs Outvest with 15% exposure to Property (Domestic and Local). When looking at their returns it seems that Sygnia may be more expensive by roughly 0.2% per annum but has managed to deliver far better performance because of its flexibility over the last few years making the 0.2% difference probably worth it. Win of the week: AN I started a Stanlib Unit trust when I was 23 and had stable employment. I injected approximately R100k p.a averaged over the 8 year period. The average returns have been about 7%. However, I suspect that I am being too risk averse and losing out on many opportunities. Please can you help me decide how to progress from this into more diversification. I have opened a TFSA with EE and I will be purchasing ETFS. What amount of my current unit trust should I move over to ETFs as a guideline and what would be the best 2 or 3 ETFS for me to start with? Pascal When you guys mention Interactive Brokers, you imply that it's totally off limits to anyone with less than 100,000 USD. There is no minimum account balance with interactive brokers. Only a small monthly "inactivity" fee if your balance is less than 100K. It costs 10 dollars a month, minus the cost of each trade made in that month (at 1 dollar a trade). So if you buy shares of 2 ETF's each month as I do, your monthly fee is 8 USD (excluding the trades). In other words, aside from the 10 dollars a month, you can buy and sell ETFs for free, up to 10 trades a month, so you're never paying more than ~R160 (at current rates) a month. R160 does not seem like that much for access to global markets though such a feature-rich platform. To put that in perspective, that's less than the fee for some current accounts in SA. When you consider EasyEquites USD fee is 0.56% of each trade value, a 10 dollar fee equates to a trade value of (I think) ~1785 USD. So, IBKR actually becomes cheaper than EasyEquities anytime you invest more than 1785 USD a month. (if my math is correct? Please feel free to check this). Magan If one passes on with a living annuity, can the spouse transfer the amount that is due to her to her own living annuity? What will the tax consequences be, if any? Andy I would like to believe that I was listening before the famous Wilhelm stole the limelight. I was also on the ships and scratched my head on similar issues faced by some of your doctor listeners. I've made so many of the mistakes you have spoken about in your show, but I can certainly say I have learnt some lessons and am getting better. From a horrid financial advisor who had never even heard of ETPs, to being invested in some kak expensive funds on Alan Gray. (Said advisor had also not heard about TFSAs). A lot has transpired since then. I now run my own portfolio except a minimal amount for my RA with GEPF (which I can't control) and 10x, which I am kind of okay with. I'm now 5 years into TFSA. The majority of my other investments are in ETFs and I've had some success (read luck) and some failures (read Woolies) in single stocks. I'm also teaching interns who want to listen about the pitfalls of getting a good starting salary with little financial background and I find this really rewarding. What is the difference between dividends and distributions. What are the tax implications? Which products would be better to hold in the tax free space, one that reinvests distributions or one that pays the dividend?  On a similar vein- if an etf like satrix world reinvests distributions, what are the tax liabilities? Santosh I understand the argument on fees, but one has to also acknowledge that service is worth paying for. When I sold the last lot of my Satrix Property, I experienced the same as most ie. no response to emails, ineffective and incompetent staff on the other side of the telephone, when one could actually speak to an individual. Ask practically any question unrelated to that day's share price and you're greeted with a stunned silence. Then there's the JSE process and it's associated fees and processing times I decided never again!  The level of service, competence and responsiveness of Allan Gray and Coronation, for example, is stupendous to the point where I'm willing to pay a premium. When I have had questions, I've directed it to the individual fund managers themselves and have received detailed, well thought-out responses. Before I invested with Prescient, one of the fund managers actually took the time to meet me over coffee and today still answers my questions directly. Would an ETF provider do this ? Never - not in a million years. The funds are expensive, but the service by the asset managers is worth paying for that is if that is important to you. In 2018 after I met with 10X and he was "blown away" with my interaction with Allan Gray and how professionally and attentive Allan Gray was. Any transaction—irrespective of complexity, local or international—is handled either on the day or 24hrs and really, they respond to EVERY email.  Furthermore, the level of staff knowledge at any of the Asset Managers is incredible! Irrespective of who answers the phone, the competence is assured. I really don't know how these asset managers are able to find and train staff to this level. It seems to be something unique to the asset management industry. Even performance-wise, the Ash1200 is not without its competitors. The 1-year performance of the Ash 1200 against the Coronation Optimum growth fund is practically identical after fees and in this case, the Optimum Growth fared marginally better. Taya I have been contributing to an RA since 2014 through one of the dreaded 'old school' companies. I blame this on a younger, stupider version of me. I am investigating the fees I am paying and will most likely move this to another provider such as 10X / Outvest.  My employer is dead set against RAs. He knows his way around tax (he has a Masters in Tax law and worked for SARS for some time), so I am inclined to give his advice some thought. His view is that by the time I am of retirement age, the government would've gotten their hands on RAs through prescribed assets. In addition, RAs don't typically perform very well. His advice is to take the tax knock and invest your money elsewhere. What are your thoughts on this? If I am going to continue investing in an RA I need to seriously figure out how to contribute more to it monthly, but I am questioning whether this is something I should even be figuring out in the first place.  Laurence We're on the bus to Portugal, due to roles that allow remote working and passports for EU access. I have a question around CGT on offshore funds (e.g the Vanguard.VT USD fund) when becoming a non-tax resident in South Africa.  We plan to become non-tax residents in South Africa, and not financially emigrate (even though we assume we won't return to the country).  I currently own the Vanguard USD fund through Easy Equities. I plan to do a position transfer from EE to Interactive Brokers. I would sell up any remaining South African funds (e.g. Ashburton 1200) and convert to Irish domiciled Vanguard funds. I know that Vanguard is US domiciled and there's some concerns about Estate Tax above $60K without tax treaties, but I'd like to think I can manage it based on the fact that Portugal may not be our final destination.  I've (somewhat) come to terms on taking the CGT hit on the SA funds when leaving, but what happens to the offshore funds (e.g. USD VT) from a CGT perspective when becoming non-tax resident of South Africa? Do you have any insights around the need to pay the CGT on the VT gains (to date) in South Africa when becoming non-tax resident, or would the double taxation agreement with another country mean you only pay CGT in Portugal/EU when selling off the fund in e.g. 15 years time?   Alternatively, am I just complicating the hell out of it and should I sell the VT fund whilst it's of moderate size and take the CGT hit now?  Garry  I am in my early fifties, married and dad to two high-school kids. My wife doesn't earn an income.   I have a good pension fund through work. I have also been contributing to an RA since 2005.   The RA with Momentum is offshore denominated, which avoids over-exposure to section 28 regulations. I have stopped the 10% annual escalation on this so will now pay a fixed amount until my 55th birthday.  We have an additional discretionary investment into unit trusts.  We also have an emergency fund in a USD account. I think by and large we have been doing the right sort of things.  Here are a few things I would like to correct: We have been investing in Unit Trusts rather than Tax Free investments first!   On my older Unit Trusts I have a financial adviser associated with them and I am annoyed that he is getting free money without adding value.  The Unit Trusts are in my name rather than my wife's. She is a stay at home mom, so it seems sensible from a tax perspective that these investments should be in her name.  The Momentum RA is USD denominated. 2 years ago I stopped the annual automatic increase and paid a penalty for that.   I also have a few small paid up RAs from back in the day when I was young,  naïve and exploited. Can you please comment on my proposed corrections: Open tax free investment accounts for my children, my wife and myself (last) before further funding other discretionary investments.  Sell off my unit trusts in annual tranches, keeping the capital gains below the R40k annual limit and use this money to fund the TFIAs. This will have the additional benefit of reducing the free money to my financial adviser. Top up the TFIAs on a monthly basis, keeping below the annual limit.  Put any additional funds into an ETF like an MSCI World fund from one of the providers Do you have a recommendation for what to do with my Momentum RA?  When I reach 55 it seems best to take my various RAs as lump sums and add them to my discretionary savings.  Any thoughts on that?  Mary I wonder if there is such a thing as tax free converting, where you take R36,000 from your retirement annuity to deposit in the tax free account without being penalized. I read this is possible in the US with their version of tax free accounts they call Roths accounts. You transfer money from a 401K to a Roth IRA or Roth401k. It all sounded very interesting. I wondered if you two knew something similar existed here at home.

We use my long-awaited holiday to catch up to some user questions for the next three weeks. We hope you enjoy the shorter episodes as much as I plan on enjoying my break! Willem  I have an endowment in my portfolio which was a five year investment which started in July 2003 with the last payment in July 2007 which matured July 2008.  Tax was deducted on all these investments for this endowment at ACSIS/OLD MUTUAL as per quarterly reports, as well as capital gains tax. When inquiring at Old Mutual recently, they presented me with a figure for CGT if the investment is drawn upon. The investment was 4 payments of R30,000 and the the last one R36,000. The value as at February 2020 was R572,089. Would you be kind enough to let me know how else can I get this investment to work for me in the light of being able to access this investment like a conventional discretionary investment without tax complications. I have a discretionary investment, as well as a living annuity in the same portfolio. 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. Veronica You guys seem to be big fans of ETFs but when I looked into buying one they all recommend an investment period of at least 5 years or more (i.e. they're high-risk and therefore long term investments).  My husband and I are looking to potentially emigrate in about 4-5 years from now. In light of that, where would the best place be for us to invest our savings? I currently have a money market emergency fund and am putting away a bit into an Allan Gray Balanced Fund (both recommended by a financial advisor, although the more I listen to your podcast the more I'm thinking to start handling investments on my own ☺).  ETFs sound like the best place to invest but are suited for way long term, in which case we might be out of the country before the product matures. Is the solution then to keep the savings in something like the money market? Is it still worth opening a tax-free savings account for 5 years? James is wondering about Zambezi preference shares. Can you please discuss the place of this product in a portfolio for someone that is on pension.   Will it help with cash flow during pension? Pieter  The thing people miss about the 4% rule is that the study didn't work on the principle that your money should last forever. Success was measured on the fact that you would have more than $0 after 30 years at a 50:50 equity:bond allocation. That might also mean you have $1 left for year 31 which accounts for the 95% success rate. Another caveat is the study was run during a high interest period in America.  Also just on a correction how the 4% rule worked in the study. You withdraw 4% in year one. After that, you withdraw what you did the year before plus inflation, not 4% of your asset base. Josh I plan to emigrate to the UK at the end of the year.  I have been maxing out my TFSA and contributing to a Provident fund. When I maxed out my TFSA for this year, I started setting aside that cash monthly that was going to the TFSA, and reduced the amount going into my Provident fund monthly with a view of investing it when I got to the UK (after having converted it to pounds obviously). The UK equivalent of a TFSA allows contributions of a max of £20,000 per year (with single shares allowed). I plan to liquidate my TFSA when I move, cash out my Provident fund when I resign (and take the tax hit), and chuck all of that cash into a stocks and shares ISA, probably a Vanguard all world ETF. Also, I'll be using a broker called Trading 212 if anyone is interested. Do you think this is a silly idea? Cashing out of a TFSA and Provident fund is a big decision. And just something separate: I wish I hadn't bought a property now that I'm immigrating. I just want to sell the stupid place but am struggling. Wish I just rented a place.  Conrad  I've requested  information on the OUTvest investment options for a preservation fund. I am not happy with these just by looking at the top 10 holdings in most of these options. I agree with your view on simplified broad-based ETF investments and wondered if these are the only options that Outvest offers or if I can structure a more simplified ETF based combination that will be Regulation 28 compliant. Sean I WAS one of those people who has religiously put monthly money away with a broker who was smiling all the way to the bank from the tender age of 15. I am now 29. In the past three years I have been paying a lot more attention to where my money goes. Thanks to you guys, I had that awkward conversation with said broker and have taken all of my funds away from them and reinvested in a much cheaper, passive investment group. Although this new firm is cheaper, it's not as cheap as Easy Equities, so I have been splitting my monthly contributions for the past year with EE. Things have been going so well that I recently started looking into the TFSA on the EE platform. I have been able to max it out for the last three years. If I had known about it earlier it would have been longer but it turns out they aren't very profitable for high rolling fund managers. With this being said, I did some deeper research on EasyEquities, and I was shocked! I have had a great experience with them so far, however I have not tried to withdraw any of my money yet.  This seems to be a huge problem on the platform, if you have a look at Hello Peter.  It's a scary prospect to have your hard-earned money on such a platform that “doesn't pay out withdrawals and doesn't answer any emails or phone calls” the dreaded word “scam” is even mentioned by one of the disgruntled users. I know Purple Group is a legitimate, listed company that has legal obligations in place but other people's VERY poor experiences are something I cannot look past. It has been an amazing platform for me so far, but there is a big BUT in the back of my mind now.  Is there anything from your side that could put an innocent investor's mind at ease?

Was wondering at our age how much tax benefit there is if we only reach our R500k limit just before age 60 – will it do much appreciation to justify any tax benefits? This question was posed to me a few days ago. Using the TFSA is a great savings vehicle that I encourage every single South African to have. Your contributions are capped at R500 000, but the growth is unlimited. Thinking by way of example to show you the benefits, see below with some assumptions: An investor contributes R36 000 per annum (current limit). It will take approx. 14 years to reach the (current) limit of R500 000. I say current, as the lifetime limit will increase (but to keep it simple, let's assume not). Now if that investor has growth assets in their TFSA, like an offshore ETF, with a yield of 12% per annum, in 14 years, their TFSA could have a balance of R1 240 620. However if that investor leaves their funds until they are 60, which is 17 years away, that pot could now be worth, R1.8m and if they left it to 65 it could be worth R3.5m – ALL TAX FREE

Modified Lifestyle, your weekly automotive podcast! In today's episode we talk about the new Hennessey Maximus Jeep Gladiator, a 1000HP off-road Jeep Gladiator, discuss a R36 concept that's been floating around and Treelon Musk! This week's Car of the Week is probably the most hated Lamborghini Huracan on the internet owned by the one and only Alex Choi (@alex.choi). This Huracan has made it's way around the internet with its absolutely ridiculous off-road and performance modifications. Do you have a brand, small business or automotive service you want to promote? Get in contact with us! Email northsidewhips@gmail.com or DM us on Instagram @northsidewhips. Also send us some car meets and shows to promote! NEW EPISODE EVERY SUNDAY!

“I have a wonderful dream where everyone values the preservation of nature and we are inspired to protect it.” ~Meera Sulaiman-Photographer, Artist, Lover of Wildlife  I had such a great time speaking with this week’s guest, Meera Sulaiman. It was like speaking to a long time friend, we have so much in common. Our conversation went on for well over an hour where we talked about our passions, Meera’s many projects and life. Because I wanted this episode to focus on the conservation of Trumpeter Swans, I edited out a piece of the conversation to include as a bonus track.  Bonus track and interview audio can be found at www.beprovided.com/blog In this bonus track Meera talks about a current threat to Double-Crested Cormorants; they also need our help right now! This is worth listening to to learn more about these birds. If they are all killed off, the ecosystem of other water birds they form colonies with are negatively affected. Another reason why we should not mess with Mother Nature. Meera Sulaiman is a Sri-Lankan born artist and photographer now living in Ontario, Canada. I was introduced to Meera’s beautiful photographs on Instagram, specifically her photographs of Trumpeter Swans. I knew I had to hear her story and learn more about these beautiful birds. A few years ago as she approached La Salle Park, she heard loud chaotic trumpeting sounds like many horn musicians each blowing in a different pitch. As she approached the park she realized it was hundreds of Trumpeter Swans. (Meera included this wonder example of trumpeting! https://www.instagram.com/p/BrkfPQhBp8f/ . ENJOY!) Meera’s curiosity led her to form relationships with Beverly Kingdon of the Trumpeter Swan Coalition and Harry Lumsden, leader of Trumpeter Swan restoration in Ontario. She soon found herself immersed in one of the greatest conservation stories in history. For more than 100 years, there were no trumpeters in the area until biologist Harry Lumsden and a group of volunteers began working on restoring these birds back to Eastern Canada in the 1980s. Presently there are an estimated 1000 swan individuals in the province with approximately 130 breeding pairs.  Enjoy Meera’s story and feel inspired by her work to promote the existence of these beautiful swans and other wildlife. In this episode, Meera tells us how she became involved, how she is inspired to educate the world about wildlife, how people can help in any way and what gives her hope.  Here is the audio with the bonus track below along with her beautiful photographs. (go to www.beprovided.com/blog to see a gallery of Meera's photographs). Here is a story by Meera about the swans in the photograph below! Aphrodite and Ares Family Trumpeter Swan Family, two adults and their eight offspring after sunset in Ontario, Canada. The two adults in this photograph is known by their tags as 131, the female also fondly called as Aphrodite, and the male R36 fondly named as Ares. Aphrodite is the only Trumpeter Swan on record anywhere that had managed to fledge 10 Cygnets in a single breeding year with her former mate 902, who has since passed away. It was also reported that Aphrodite and Ares got separated at the end of 2017 winter due to an illness with Aphrodite. Aphrodite after being nursed back to health was reported dating few swans that winter, and her partner Ares seemed to have moved on. However, it was reported this year that she is reunited with R36 and is back this year with her new family. How to find Meera: Link to trumpeter swan conservation event pictures: https://www.youtube.com/watch?v=xDxqahXoWII Website: www.washofblack.com | Instagram: https://www.instagram.com/meera.sulaiman/  

This week Nick and Raymond are back on the podcast where they discus what engine a Nissan GTR R36 would have.Spotify: https://open.spotify.com/show/2QtJAgCA5Y2S5yjLE3hqHE?si=I3R2qvM8Qt-ZTT-7I124mgiTunes: https://itunes.apple.com/ca/podcast/engine-failure/id1406396960?mt=2Google Play: https://play.google.com/music/listen?u=0#/ps/Izw2ly2zyngjm3fi3wsqle5prauStore: https://store.ar12gaming.com/ Follow Engine Failure:YouTube https://youtube.com/enginefailure Twitter: https://twitter.com/Engine_Failure_ Instagram https://instagram.com/engine_failure Follow Nick:YouTube: https://youtube.com/ar12gaming Instagram: https://instagram.com/nickandy1/ Follow Ray:Twitch: https://twitch.tv/rayvision420Instagram: https://instagram.com/rayvision420/

Finance Minister Malusi Gigaba says the revenue shortfall of R50bn came in marginally lower at R48 billion for 2017/18. Gigaba has added that the shortfall still reflects poor economic outlook and challenges at revenue organisation, SARS. The question many are asking is whether SARS will live up to the challenge of collecting an additional R36 billion in revenue from tax increases. Sakina Kamwendo spoke to Group Executive for Research at SARS, Dr Randall Carolissen....

我们的节目每周四周日更新，还有我们的视频节目 GeekCar 大酱汤 每周三周六都在各大视频平台播出。 大众的车很多，但是真正能点燃人们激情的却不多，而这股激情能一烧就是10年的，就更少了。在中国可能只有这么一款，就是大众的R36。让资深的旅行车粉，十年的大众车主，来给我们聊聊为什么R36，在中国成了神车。 本期人物介绍： 大尧——GeekCar 最具洞察力的运营官。北京土著外加 UK 留学背景，专业性极强又超接地气，一个能顶俩！记住：跟他聊什么都行，但就是千万别提吃饭的事儿，谁提谁 S*B！ Jony——GeekCar 最严肃的内容官。思维活跃但极其内敛，热爱汽车但不热衷于逗逼。记住：千万别让他碰篮球，在篮球场上，他会突然化身为相声表演艺术家，防不胜防。 逍遥——GeekCar 叨逼叨驻德国分部部长（名字当然是瞎起的咯！）。跟他聊天就像眼前开过了一列火车·····「污污污污污污污污·····」 Mia ——GeekCar 最美丽的女记者。身高，貌美，天然萌。播音主持专业的萌妹纸。不要乱开车，人家可是一个淑女。 ...

The Mangaung Metropolitan Municipality has reportedly incurred refreshment expenditure of R36,000, for the procurement of 240 bottles of water (500ml each) at a unit price of R150 each. This is the same Metro that owes millions for water provision which is in arrears. Elvis Presslin spoke to the Municipal spokesperson, Qondile Khedama...

My mom is a gift-giver. Each and every Christmas growing up, there would be a pile of presents under the tree. My mom was a blue-collar, hardworking, single mom. We didn’t get much during the rest of the year as we were so busy surviving and working and running to and from our various activities. Yet each Christmas, we felt rich. One Christmas, there weren’t as many presents. Just two or three to my sister and me. And then one present had both of our names on it. My sister and I were puzzled, but my mom never disappointed. We saved that one for last, and when we opened it, we shouted and jumped up and down. It was a SEGA Genesis. An expensive game console at the time. It had to have cost her at least a month’s wages. It was an extravagant gift. Two years ago, I remodeled our master bathroom. With the help of my neighbor Eric, I ripped out everything, down to the studs. We then spent the next 4 months building it back. I learned how to tile and drywall. It was aggravating and wonderful. I grew closer to Eric and learned so much about him and his life. We spoke about the things that troubled us and more about our hopes and our dreams. A week after we had completed our work, a big package arrived in the mail. It was a towel warmer from my mom. I was surprised by this gift. I then ran up and couldn’t find a place to plug it into. And who really needs a towel warmer anyway? The warmth of the towel lasts for half a second and this thing could burn the kids if they played with it. It’s a waste of energy. And it’s just not energy conscious and I’m energy conscious! I have R36 in my attic, we’ve replaced leaky windows with energy efficient windows, I drive a Volt… A towel warmer is a waste of energy. I called my mom and briefly thanked her and then complained about all the ways the gift just wouldn’t work. I wrangled over my words. After I hung up, my sister rightly called me up and yelled at me, “Who are you right now?! Don’t you know that when you receive a gift, you say ‘Thank you!’ and then you shut up!” I felt lower than low. I was one of the nine lepers. Or worse, I would return and complain to Jesus about being healed! There is great wisdom found in the writing of Lewis Smedes in his memoir about gift giving and gratitude. He writes, “I have learned about real gifts is that they always come with a person attached. My gift to someone always comes with an unwritten message: I want to be part of your life; take my gift, take me. And I know that when someone gives me a gift, she too is saying: I want to be in your life. And knowing that she is attached to it makes her gift doubly precious.” My mom gave a gift in celebration of the bathroom remodel. A remodel we spoke so much about, and she made sure to ask after each time we talked. She gave not just a towel warmer, but she attached herself to it. And I didn’t see it. I rejected her and in a way said, “I don’t want you in my life.” How hurtful. I believe we learn most from our failings rather than our successes. I have since tried to be overly gracious and grateful. I practice writing three thank you notes a week to people in my church who have done good work. From preparing a great meal, to showing up and helping with the teens. Their presence is enough. Gratitude is important in the life of faith. Meister Eckhart, the medieval mystic once said, “If all you ever pray is ‘Thank you’ it is enough.” I have come to understand life as a gift. It is a gift I didn’t ask for. One that I find myself in. It is a gift that has an expiration date. It is a gift given to me not just by my parents, but God. I find myself participating in a cosmic love story: the love that flung the stars, made the galaxies, created the processes that would result in stellar evolution, biological evolution, and over the course of 13 billion years; created us. Created you, and me. Created here and now. We, by our very existence are participating in the life of God! The church is a group of learners who learn about God's love and work in themselves, their community, and then seeks to tell the good news to others. That is what we’re about in response to knowing this love story revealed to us through Jesus. So we seek to find unity within diversity. We strive to be honest, peaceful, and compassionate as God is. We are inclusive of all people seeking to serve the whole world. Our goal is to become Christ. Everything in the life of the church, from our worship to our fellowship to our outreach; should serve to shape us to live like Christ. For we are part of our family story. All the joys and concerns. It is a gift. This day is a gift. Every gift given comes with a person attached. And that person is the Triune God, ourselves, and our neighbors, especially the ones we’d rather not acknowledge. When Jesus healed the ten lepers, he was saying “I see you. I love you. I want to be a part of your life.” Everyone was telling these lepers the exact opposite. Get out of our family, you are a disgrace. Get out of our town, lest you infect us. Get out of our life, we don’t want to help you, we don’t love you. Who in our world is being told such a thing or in our day and age? Are there any among us today, or in your personal lives? Yet there is one leper who returns. A Samaritan. Even in the group of lepers, this man would be the outcast of the outcast. Samaritans were not well regarded in Jewish society. They were sort of Jewish, but not really. And that’s worse than being a Gentile to be sort of Jewish—to follow a bastardized version of the faith. Yet it is this one who shows gratitude. The leper who returns recognizes that he is participating in a bigger story, in this case, Jesus' Story--literally, he gets a special place in Luke's Gospel. That's what gratitude is. In contrast, the other lepers just think Jesus is participating in each of their stories--which are paramount to them. They miss the bigger story. Yet my experience in the UCC feels like this group sees the bigger story. The UCC sees those who aren’t seen in our society and works with them toward healing. Many of them have return in gratitude. Those ministries to the poor and homeless, the hungry and the naked. The oppressed minorities, those yearning to breathe free. This past summer, a couple called me up and asked if I could perform their wedding. I found out that they were a young couple, in their early 20s. The woman was not even of drinking age. We agreed that we would be a good fit and so we made plans to meet. Before I hung up, I asked, “How did you get my name?” I was expecting them to say through a wedding website that I am on. Instead they said, “Your church gave us a gift. When our baby died, the nurse brought in a burial gown.” We participate in Gabriel’s Gowns, a project that turns wedding dresses into bereavement gowns for babies who don’t survive. It is a way to take symbols of love; a wedding dress, and wrap families in love in one of the hardest times in their life. The couple said, “On the tag there was a prayer and then the line, 'with love from your friends at Sylvania United Church of Christ.' That’s when we decided that we should get married. Your light showed that if we can get through that dark time, we can get through anything. We had to get married at your church. ” We have made over 500 of these gowns. Yet this couple was the only one to return. A gift of healing, given in love. A gift that comes with a people attached. A gift that says, “I want to be part of your life; take my gift, take me.” Sometimes these gifts will look like a SEGA Genesis or towel warmers, and Gabriel’s Gowns--tangible objects. Sometimes it will look like work: like my neighbor Eric helping me remodel. Sometimes it will look like just showing up, like those who show up at the various church events, but especially to youth and children’s activities or anything that directly serves people. May we give of ourselves in such a way. May we run around saying, “I want to be a part of your life!” starting with the lepers and going to the ends of the earth. May we realize that God is saying the same thing to us! How can we not be overcome with joy? How can we not say, “Thank you?”