Podcasts about r45

This festive season, Good Morning Angles and Pick n Pay assisted single dad Jeff Matthysen in his fight to restore his son Troy's health and give his boys the best life that he can. Pick n Pay wants to create moments of magic for families this Festive Season and will help Jeff do just that for his boys with a R5,000 Pick n Pay voucher towards Christmas gifts and treats for their family. The Good Morning Angels Fund will add another R45,000 towards covering Troy's medical needs.

Clicks het vandag finansiële resultate vir die jaar tot einde Augustus aangekondig, die omset het met 9.2% na R45.4 miljard gestyg in dié tydperk. Die bestuurshoof, Bertina Engelbrecht gesels oor die resultate. Volg RSG Geldsake op Twitter

Bongani Bingwa chats with McIntosh Polela, Head of Corporate Communications at the Road Accident Fund, about the fund's R45.1 billion payout in a single year, exceptional backlogs, and allegations  that lawyers also swindle the fund.See omnystudio.com/listener for privacy information.

Stephen Grootes discusses with David McKay, Editor at Miningmx, AngloGold Ashanti's significant R45 billion acquisition of Egypt's largest gold mine, a move that signals a major expansion into the North African region.See omnystudio.com/listener for privacy information.

This audio is brought to you by Wearcheck, your condition monitoring specialist. Group wind power generation last year increased by 8% and the Lephalale solar power project is on its way to being operational in the first quarter of next year, Exxaro CE Dr Nombasa Tsengwa highlighted during the company's presentation of double-dividend 2023 results. The increased wind performance resulted in 727 GWh of high-margin of green electricity being generated into the market at a high earnings before interest tax depreciation and amortisation (Ebitda) margin - and, were it not for a fault that occurred on the distribution network of State-owned power utility Eskom, there would have been 15 GWh more. The 2023 Ebitda margin or the energy business was 80% for the second consecutive year, emphasising the stability of the renewable energy business. Additional good news on the climate change mitigation front is that the 68 MW Lephalale solar power project under construction is poised to provide Exxaro's Grootegeluk coal mine with 176 GWh/y of green energy in the first quarter of 2025 - earlier than the operational date reported by Mining Weekly in a previous report. Regarding wind energy, Exxaro FD Riaan Koppeschaar pointed out that the project financing of R4.3-billion for the Cennergi wind farms - which will be fully settled in 2031 and which have no recourse to the Exxaro balance sheet - are hedged through interest rate swops at an effective interest rate of 12.8%. Koppeschaar also noted that hedge accounting is also applied to the Lephalale solar project, which ensures limited volatility on the profit-and-loss account. The empowered coal, energy, and ferrous-linked company declared a final dividend of R10.10 a share, which is roughly R3.4-billion, and drew loud applause when it announced a special dividend of R5.72 a share, which is about R2-billion as well. Exxaro's shareholder distribution has totalled more than R45-billion over five years. Exxaro reported its second highest Ebitda performance of R13.4-billion for the financial year ended December 31, despite lower coal export prices and reduced domestic and export sales volumes of coal. Coal revenue decreased 18% to R37-million and coal Ebitda decreased by 36%. "We remain committed to our sustainable growth and impact strategy as we transition towards becoming a more diversified business," Tsengwa said. (Also watch attached Creamer Media video.) One of Exxaro's strategic priorities is to grow its energy business and become carbon neutral by 2050, while integrating environmental social governance (ESG). "We continue to benchmark above our peers on global ESG best practice," Tsengwa revealed. The R1.6-billion Lephalale solar photovoltaic power plant will provide Exxaro with a 27% reduction in Scope 2 emissions, carbon intensity has been reduced by 20% and a memorandum of understanding has been signed with the Council of Geosciences to explore carbon capture usage and storage to mitigate difficult-to-abate carbon emissions. 'WONDERFUL MARKET' During the media briefing, Exxaro Energy MD Leon Groenewald provided additional insight into the renewables business in response to Mining Weekly's questions. Regarding the Lephalale solar power, he said: "Our aim is to be operational in the first quarter of next year and it will help us, firstly for us as a business, to make some decent money, but also saving some 27% of Scope 2 emissions, and then making a healthy dent in the Eskom monthly account. "We think the renewables market is quite healthy currently, both for organic and inorganic opportunities, and we are pursuing both," he said, amid the current request for information (RFI) environment. "We're building a pipeline to participate in the RFIs that are being issued and we are in the market and awaiting feedback on some of these processes, so we're quite bullish. "On the merger and acquisition front, we're active in most of data rooms, and the moment you're in a data room, the confidentiali...

Geek Warning is back for the new year! In this week's episode, Dave and James chat about some mysterious Boa dial failures and how some pros are using gravel bikes this cyclocross season, how 3D-printing is becoming just as much a marketing tool as a manufacturing one, and what we look for in our favorite handlebar tapes.You might also just want to head out to the shed and check your disc brake rotor thicknesses, and the story of a lost bike in Colorado may help restore your faith in humanity.Timestamps:5:01 – What's going on with Boa dial failures this cyclocross season?11:54 – Even the pros don't think gravel bikes are all that different from cyclocross bikes16:35 – Everything that can be 3D-printed is being 3D-printed20:40 – Pick One! Our favorite handlebar tapes, and what we look for in them35:45 – PSA: Disc brake rotors don't last forever40:04 – A lost bike, and restoring your faith in humanity44:30 – Rotor's got a new dual-sided power meter for Shimano crankarms45:45 – Look, ma, no ears! Kask has a mysterious new aero road helmet46:30 – Bora-Hansgrohe has officially confirmed they're on SRAM and Hammerhead this year46:40 – Chris King has added a new Microspline freehub body option for its R45 hubs

Geek Warning is back for the new year! In this week's episode, Dave and James chat about some mysterious Boa dial failures and how some pros are using gravel bikes this cyclocross season, how 3D-printing is becoming just as much a marketing tool as a manufacturing one, and what we look for in our favorite handlebar tapes.You might also just want to head out to the shed and check your disc brake rotor thicknesses, and the story of a lost bike in Colorado may help restore your faith in humanity.Timestamps:5:01 – What's going on with Boa dial failures this cyclocross season?11:54 – Even the pros don't think gravel bikes are all that different from cyclocross bikes16:35 – Everything that can be 3D-printed is being 3D-printed20:40 – Pick One! Our favorite handlebar tapes, and what we look for in them35:45 – PSA: Disc brake rotors don't last forever40:04 – A lost bike, and restoring your faith in humanity44:30 – Rotor's got a new dual-sided power meter for Shimano crankarms45:45 – Look, ma, no ears! Kask has a mysterious new aero road helmet46:30 – Bora-Hansgrohe has officially confirmed they're on SRAM and Hammerhead this year46:40 – Chris King has added a new Microspline freehub body option for its R45 hubs

The State Security Agency has slammed former Inspector-General of Intelligence Dr Setlhomamaru Dintwe's demand for a R6.1-million payout as built on misrepresentation - and has gone to court to block it. Dintwe - whose security clearance was pulled by then-spy boss Arthur Fraser when the intelligence watchdog chief started investigating him for alleged abuses in 2018 - is suing President Cyril Ramaphosa, the minister in the presidency and the SSA for more than R6.1 million he claims is still due to him. In papers filed at the Johannesburg Labour Court, Dintwe's lawyers accuse the minister in the presidency and the SSA of ignoring his demands that he be paid the full gratuity he was owed once his service ended (which he says the SSA miscalculated), outstanding salary amounts and nearly half a million rand for the 124 days of leave he says he never took. The SSA and minister in the presidency are, however, adamant the contract erratum Dintwe is relying on to make his demands is constitutionally invalid and not enforceable because it was based on misrepresentation by the former IGI - and have now launched their own Labour Court litigation to obtain a ruling that sets it aside. Recently resigned SSA Director-General Thembisile Majola told the Labour Court this erratum - which was signed by then-minister in the presidency Mondli Gungubele and the chairperson of Parliament's Standing Committee on Intelligence Jerome Maake two days after Dintwe's term ended - had inflated the IGI's remuneration by 52% or R1.9-million. She said in an affidavit filed two weeks before she left office: At no stage were the [SSA] and the [SSA Director-General] consulted in relation to the amendment of the employment conditions in relation to the remuneration and gratification of the [IGI] prior to the signing of the erratum. Majola further accuses Dintwe of knowing he was acting against the prescripts of the Constitution and the law when he sought the change in his contract and made the misrepresentation to Gungubele and Maake she said he used to justify it. The former IGI "cannot claim to be an innocent part of the conclusion of the erratum," she added. Dintwe was appointed by President Ramaphosa and was tasked with investigating alleged wrongdoing by state intelligence. He began his five-year term as the IGI on 15 March 2017 and ended it on 15 March 2022. Under the conditions of his employment, Dintwe was supposed to receive a salary package that is equivalent to that of the Public Protector (who receives the same salary as a Supreme Court of Appeal judge). The IGI's benefits include a "non-taxable service allowance of R73 435" a year, a "non-taxable entertainment allowance of R45 000" a year, use of a state vehicle for private use (up to 75 000km), paid travel and accommodation for his spouse, "unlimited hotel accommodation similar to that of a deputy minister" and an "operational catering allowance". Dintwe's contract also reveals, in addition to unlimited business class local and international flights, he was given 24 business class tickets for domestic travel every year, which he was able to give to whomever he chose. This benefit is not given to the Public Protector, and the SSA and IGI has refused to comment on its purpose, on the basis the dispute over Dintwe's remuneration is sub judice. Dintwe's entitlement to these airline tickets is not disputed in this litigation, however. Like the Public Protector, the IGI is entitled to receive a gratuity at the end of the term. That gratuity is calculated according to a specific formula and - as in the case of the Public Protector - typically runs into several million rand. According to Dintwe, the terms according to which his gratuity was calculated incorrectly recorded his five-year term of office as being seven years, the same as the Public Protector. As a result, he said, Gungubele and Maake signed an erratum (effectively an addendum to his employment contract) on 17 March 2022, two days after his ...

Noluthando Mthonti-Mlambo speaks to Barloworld CEO, Dominic Sewela about the company's results. Revenue from continuing operations rose 14% to R45 billion to end-September and core profit 15% to R5.5 billion, it reported on Monday. The group also slashed its net debt by almost 90% and upped its total dividend 8.7% to R5 per share. See omnystudio.com/listener for privacy information.

The National Student Financial Aid Scheme, NSFAS has promised to intervene in the ongoing accommodation crisis following widespread protests by students at several universities. Students from Wits, UKZN and TUT have been protesting over NSFAS' R45 000 cap for residence, financial and academic exclusion. For more on this, Elvis Presslin spoke to NSFAS spokesperson Slumezi Skosana

State advocate Billy Downer wants former president Jacob Zuma to put up an additional R1-million as security for costs ahead of his private prosecution of Downer. Zuma launched the private prosecution against Downer and News24 journalist Karyn Maughan and has apparently already deposited R90 000 at the Pietermaritzburg Magistrate's Court as security. But Downer said in papers filed in the KwaZulu-Natal High Court in Pietermaritzburg, that R1-million was necessary to "provide security that is sufficient to meet the probable costs which may be incurred in respect of my defence in the private prosecution" if the prosecution fails. Downer said he and the National Prosecuting Authority (NPA) had engaged the services of senior counsel and two junior counsels for his defence. The senior counsel's charges in the matter amount to R54 000 per day and R5 400 per hour, and the combined charges of both junior counsels are R45 000 per day and R4 500 per hour. Therefore, Zuma should fork out an additional amount as security for private prosecution, he submitted. The security should either be paid in cash or be provided using a bank guarantee, he added. "I submit that in the circumstances, a bank guarantee is not only required to secure the additional amount but that it is necessary due to the fact that this court has, as recently as August 2022, granted the curator of VBS Mutual Bank an execution order for the private prosecutor's outstanding debt that is due to VBS Mutual Bank. "I have no confidence that the private prosecutor will in future be able to settle the costs incurred for my defence in the absence of the security that I require." In an interview with Newzroom Afrika in June, Gerrie Nel, the head of AfriForum's private prosecution unit explained that Zuma would have to deposit guarantees for the costs of the accused in the matter "should the prosecution fail". The charges against Downer and Maughan relate to News24's publication of an update on Zuma's medical condition. The update was attached to court papers lodged at the High Court last year. But Zuma contends that it violated sections of the National Prosecuting Act. The former president was granted medical parole by then head of the correctional services department, Arthur Fraser, shortly after he was incarcerated in July 2021. Zuma's legal team claims Downer leaked the information to Maughan. The summons was served on Maughan and Downer this month, and they are expected to appear in the KwaZulu-Natal High Court in Pietermaritzburg on 10 October 2022. Zuma was in prison to serve a 15-month sentence for contempt of court after he refused to comply with a Constitutional Court order to appear before the State Capture Inquiry. He was sent to the Estcourt Correctional Centre. However, a month later, Brigadier Mcebisi Mdutywa wrote a letter informing prison and prosecuting authorities that Zuma had suffered a "traumatic injury" in November 2020 and needed "extensive emergency treatment" with six months to recover. Maughan wrote about the letter because it was part of court documents that had already been filed, making it public record. In June this year, Zuma cited Downer and Maughan as respondents in his court papers, and the NPA issued a nolle prosequi certificate, declaring that it would not prosecute Downer, the lead prosecutor in Zuma's corruption case. This opened the door for the charges against Maughan and Downer. The NPA has rejected Zuma's charges against Downer, calling it "an abuse of process" and reiterating that it has confidence in Downer's prosecution of Zuma.

Former top cop Khomotso Phahlane and high-ranking officers in the Crime Intelligence (CI) division were arrested in a series of raids – the fruit of an Investigating Directorate (ID) probe into a R54-million procurement scandal which has spanned years. Sources close to the investigation told News24 that swoops played out in Durban, Johannesburg, Pretoria, and Gqeberha on Monday night, with the operation stretching into the early hours of the morning. According to impeccable sources, former national commissioner Phahlane was taken into custody at his home in the plush Sable Hills Estate on Tuesday morning. Acting head of the Crime Intelligence secret fund, Major-General Obed Nemutanzhela, was arrested at the OR Tambo International Airport while attempting to board a flight to Cape Town. Colonel Godfrey Mahwayi was arrested in Pretoria. The last to be placed in handcuffs was Major General Agnes Makhele, head of CI in the Free State, who was arrested in Bloemfontein on Tuesday. The investigation centres on a procurement scandal from the State capture era, in which the cop spook division manipulated procurement processes for a R54-million splurge on social media monitoring tools and telephone encryption software. The R33-million purchase of a social media monitoring tool called RIPJAR began in December 2016, using emergency procurement prescripts, with the tool "urgently" needed to address "Fees Must Fall" university protests. These prescripts are usually used when there is an urgent need – and in this matter – the urgency is undercut by the fact that the Fees Must Fall movement and the protest action around it began a year and a half earlier. The note-so perfect source To procure the software, Crime Intelligence obtained two quotations, one from a company named I-View owned by businessman Inbanathan Kistiah, and the second from a firm called Perfect Source Solutions. Perfect Source was a human resources and recruitment company. The sole director of Perfect Source was Gevani Naidoo. Her husband, Avendra, provided the other quote Kistiah needed. The procurement was driven by Mahwayi, who in his role had no authority for procurement. He sourced the quotations and, within two days, R33-million landed in Kistiah's bank account, with no contract or agreement in place. According to investigators from the Independent Police Investigative Directorate (IPID), who first pursued the probe after they were alerted by a whistleblower, could find no evidence that the RIPJAR software was ever delivered. Several months later, Crime Intelligence looked to I-View and Kistiah to provide phone encryption software called Deadelus for R21-million. Similarly, Mahwayi obtained two quotes from the same two companies, and I-View secured their second windfall. Both deals bear the hallmarks of cover quoting, a collusive practice where the prices of counter-quotations are inflated to ensure that the deal goes to a predetermined recipient. Sources within IPID, who could not be named, alleged that the Deadelus system was purchased in order to shield Phahlane from their investigators, who were hot on his heels over a mammoth blue light tender. Phahlane and other top cops face criminal charges for this scheme and are currently before court. Criminal intelligence Kistiah and Avendra Naidoo were arrested in Durban and Gqeberha respectively. The former was said to have been boarding a plane, the destination of which could not be independently confirmed. Kistiah is central in a string of IPID investigations into high-level police corruption which have since been ceded to the ID. Another dubious deal pushed Kistiah's way was the purchase of a sophisticated spying device known as a grabber, which can intercept calls and infiltrate cellular phones. I-View was to provide such a device at R45-million, several times more than what it is worth, just days before the African National Congress's 2017 Nasrec elective conference. The deal was abandoned after pressure from IPID...

South Africa must reform its regulatory environment and make itself investor friendly – simple. That is the straight-forward view of Dr Mathews Phosa, who was speaking to Mining Weekly in his capacity as the nonexecutive vice-chairperson of the high-flying Jubilee Metals Group plc, a London Aim- and Johannesburg AltX-listed company that is rolling out an investment of R786-million in South Africa and Zambia. Mining Weekly has watched Jubilee being built from the ground up in the last 18 years. (Also watch attached Creamer Media video.) In Zambia, Jubilee is targeting copper and cobalt through its Project Roan concentrator commissioning and Sable Copper and Cobalt Refinery, while in South Africa, its new and expanded Inyoni Operations is exceeding chrome and platinum group metals (PGMs) throughput targets. In line with its drive to expand globally, Jubilee on Thursday announced the appointment of new South American-experienced chairperson Ollie Oliveira, as well as key executive committee changes under the leadership of long-standing CEO Leon Coetzer. Oliveira takes over from outgoing chairperson Colin Bird, who will be returning in a special projects advisory role. To give focus to its global expansion drive, Pedja Kovacevic has assumed the role of chief strategy officer, and Peet van Coller is the new group CFO. This is the gist of the question-and-answer Zoom interview with the anti-apartheid activist and former Mpumalanga premier. Mining Weekly: Jubilee is an eye-catcher but South Africa is very badly short of mining companies like Jubilee, which was prepared to launch from small beginnings in 2004 and then grow determinedly for the benefit of all stakeholders. In your view, what lessons can new mining startups learn from Jubilee's dogged journey? Phosa: Jubilee was a mere idea at some point. Leon Coetzer and I started with a company called Braemore. We just had an idea which we took to Mintek. You won't believe it. It took eight years of waiting for that idea to be validated. Tells you a story of good leadership, patience, perseverance, commitment, focus and vision. That's what drove us to be able to wait for those eight years and when it was validated with fanfare, we had to go to London in the cold winter to do a roadshow to the big investors, to sell them an idea, a concept. There was no money on the table. I think the company was only worth R45-million at the time. It was a startup, but we had hope, we had faith and confidence in what we were doing. We were driven by our integrity, honesty, transparency and a willingness to put in as much effort as possible, and to know that no one will get anything for nothing. You need to sweat and toil to create something new for South Africa. There was nothing which you could imitate or emulate. We had to create a new example for South Africa, and today I can say for Africa and for the world. South Africa is well endowed, but no longer well invested when it comes to mining. You are not only well versed with emerging miners through Jubilee, but you are also very familiar with South Africa's political and private sector environment. What does South Africa Incorporated need to do to return its minerals potential to far more positive account? First of all, I need to mention that one of the things we do, which I think government should try and encourage, we build junior miners, black junior miners, and we've built quite a few in the areas where we are in Brits. We're proud of them. We finance them because they don't have capital, but they've got assets that need to be monetised. We're doing that to ensure we never run out of feed. We rely on our own feed and the feeds of the small junior miners. I've discussed this with the Minister of Minerals and Energy that unless there's a focus on junior miners, they will not exist. It will just be a pipedream and a good-sounding political speech. South Africa needs to liberalise its mining environment. There are too many regulatory hoops to jum...

Minister of Transport Fikile Mbalula said the final pronouncement on the funding model of e-tolls is imminent. Mbalula tabled his budget vote for the Department of Transport in Parliament on Wednesday afternoon. This comes amid uncertainty around South African National Roads Agency Limited (Sanral) electronic tolling system to pay for the Gauteng Freeway Improvement Project, which has been met with public resistance. Mbalula said he was working with Minister of Finance Enoch Godongwana to help Cabinet arrive at a final determination on the funding of the Gauteng Freeway Improvement Project. He said that a decision on the matter was "imminent", although it has taken a long time. "We are alive to the adverse impact the delay in making the final decision on e-tolls has on the [Sanral] balance sheet and its ability to raise capital for its catalytic projects," said Mbalula. In his budget vote, Mbalula detailed the billions in financial support that are committed to fund programmes and stabilise Sanral and the Passenger Rail Agency of South Africa (Prasa). Prasa has been rocked by challenges, including the theft, vandalism and destruction of its rail infrastructure and instability at a leadership level. Former CEO Zolani Matthews has successfully challenged his dismissal, which has been ruled invalid by the courts. Mbalula said Sanral would continue to get support from the Department of Transport in the medium-term to help it extend its national road development programme. "An allocation of R76.4-billion goes to the South African National Roads Agency. Transfers to Sanral account for 33.5% of the department's budget over the medium term and 65.5% of the budget of the road transport programme," said Mbalula. Mbalula said Prase would also receive significant financial support in the medium-term for capital, operational and refurbishing purposes. "In recognising the centrality of providing affordable, safe and reliable public transport services, capital transfers to the Prasa will increase from R12.6-billion in 2022/23 to R13.5-billion in 2024/25," he said. Mbalula said the capital transfers would go towards refurbishing coaches, Prasa's rolling stock fleet renewal programme, signalling and other capital projects, which include security of the rail infrastructure. "Operational transfers to Prasa are expected to increase from R7.2-billion in 2022/23 to R7.8-billion in 2024/25," said Mbalula. He said R45.3-billion, or 59.3% of the allocation to Sanral, is budgeted to upgrade, strengthen and refurbish the national non-toll roads network, while R2.8-billion is allocated for Moloto Road. "A budget of R3.7-billion is allocated for the N2 Wild Coast project and R2.1-billion allocated to fund reduced tariffs for the Gauteng freeway improvement project," the minister said. Mbalula said since January, the department has produced 1 026 674 driving licence cards, with a backlog of 526 841 cards as of 16 May.

In this episode: The all-electric Volvo XC40 P6 Recharge is coming to South Africa Google to hide certain apps on the Play Store in order to keep users safer Comic Con Africa, Doritos to host online gaming tournament(s) with a R45,000 prize pool Tech Byte airs daily from 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.

I may be fangirling just a tiny bit with this guest, you guys know if you follow me on social that I'm obsessed with BeautyBio! Founder & CEO, Jamie O'Banion, is on the pod this week to give us all, and I mean *all* the details on the science behind her products and why they ACTUALLY work. Jamie walks us through her personal beauty routines, the technology behind GloPRO and R45, how to calm hyperpigmentation, all things exfoliating, her fave moments with BeautyBio so far, tips for mom guilt + so so sooo much more!You can connect with Jamie on Instagram at @jamieobanion You can connect with BeautyBio on Instagram at @beautybio You can shop BeautyBio at Sephora, Nordstrom, BeautyBio.com, and many more!To connect with me, find me on Instagram at @mackenzieejudgee Connect with the podcast on Instagram at @blondiebeautypodcast For more beauty content, head to the blog at mackenzieejudgee.comTag us with #blondiebeautypodcast on social!

What is extremely important right now? That the para surfers receive funding to help each athlete to make it to the competition. They have calculated that each team member has to raise between R45 000 and R50 000 each to cover transport, accommodation, food and competition fees. As you can imagine, this is not possible without generous donations from friends, family, partners, and businesses. Take a listen to how much they have so far

Craig Gradidge of Gradidge Mahura suggests a possible discounted value of R42 to R45/share.

My guest today on Stories Connect People podcast is JP. JP is going to blow you away with her story and the story of her 4 women crew who are embarking on an adventure of a lifetime. They will be rowing (yes, rowing) in an eco boat for roughly 40 day, 24 hours a day (2 hours on and 2 hour off rotation) and 3,000 miles across the Atlantic Ocean. They have a dual mission. One to inspire women and two to create awareness about protecting our ocean. In fact, their boat is the only eco friendly boat in the fleet and made of 10,000 recycled plastic bottles and manufactured using renewable wind energy. You want to hear what else is fascinating? These 4 women, who are calling their team, One Ocean Crew (3 of which had never rowed before) found each other during the pandemic, online. JP will tell you the story! They are bound and determined to be the first female crew to cross the finish line. This is one of the most inspiring stories I've brought to my listeners so welcome JP to Stories Connect People podcast and I hope you will check it all out at One Ocean Crew. Guest - Janette Potgieter References: https://www.oneoceancrew.org/ 2021 Talisker Whisky Atlantic Challenge From the One Ocean Crew website - We are four women in our thirties rowing a tiny eco boat 3000 miles across the Atlantic Ocean. We represent the dreamers, the adventurers, the go-getters, the passionate, the determined and the curious. But most of all, we are four ordinary women taking on an extraordinary adventure. We are Jen, Emily, JP and Erin. We are One Ocean Crew. Our story is unique as we found each other in lockdown 1.0, in the middle of a global pandemic (virtually). Three members have never rowed before and our Skipper is scared of deep water. You couldn’t write this. But what we are setting out to achieve, to be the first female crew to row across the finish line of the 2021 Talisker Whisky Atlantic We want to inspire women world-wide to follow their dreams, to create opportunities and to achieve their potential. We want you to feel empowered to fight for what you love. One Ocean Crew has chosen to row the world's first 'Eco' R45 ocean rowing boat. The boat’s sustainable design aims to have a reduced impact on the environment, with a foam core containing around 10,000 recycled plastic bottles and manufactured using renewable wind energy. One Ocean Crew are also raising money for the Sea Ranger Service, a social enterprise tackling youth unemployment and creating maritime careers focused on working for the environment. Watch the video and see how you can support: https://www.crowdfunder.co.uk/one-ocean-crew Go to https://www.oneoceancrew.org/ to learn everything about this journey on their website, follow on IG, FB and LinkedIn. Stories Connect People Podcast Subscribe to Stories Connect People podcast on any podcast platform Visit my website at www.storiesconnectpeople.com If you enjoy the show please Like, Rate, Review and Share Engage with me on Facebook & Instagram @ Stories Connect People To potential

JSE-listed engineering and construction group Murray & Roberts (M&R) is “holding on” to its South African-aligned business unit that focuses on power, industrial and water despite the fact that its contribution to the group’s R54.2-billion order book has slumped to less than one percent, or only R400-million. By contrast, M&R’s energy, resources and infrastructure platform, which is headquartered in Australia, but also has global activities, reported a record order book of R34.4-billion at the end of June, which helped lift M&R’s overall order book to its highest level in 15 years. The group’s mining platform, meanwhile, had a backlog of nearly R19.4-billion, down from the R22.8-billion backlog reported in June last year. The sub-Saharan Africa portion of the group’s mining order book helped lift the region’s overall contribution to 24%, with the balance of the backlog associated with projects in Australasia, North America, Europe and Asia-Pacific. Orders attributable to the power, industrial and water platform, meanwhile, have been shrinking as work related to the giant Medupi and Kusile coal power stations has tapered in recent years. CEO Henry Laas says questions continue to be asked as to why the group, which has been restructured into a specialised, multinational engineering and construction group and which sold its South African building and construction unit in 2018, continues to retain its power, industrial and water platform, which operates exclusively in the Southern African market. “My standard answer is that we will hold on to this business for as long as it doesn’t cost us too much money, purely because of the opportunity that we believe exists in South Africa if we can get to a point that there is investment happening again.” Laas believes there is particular opportunity in the water sector, where billions of rand needs to be spent to repair and expand the country’s water infrastructure. Likewise, large investments are required across generation, transmission and distribution to address the country’s power crisis. “In the short-term, however, the only real opportunity that we see is in the overland transmission and distribution sector and you will recall that we have acquired, in the past year, a company called Optipower, which provides this type of service. “There is quite a big value of work that is out on tender from Eskom that hasn’t been adjudicated yet, but we believe we are well positioned to secure a sizeable portion of that.” In the medium term, M&R is also positioning itself to participate in the liquefied natural gas (LNG) developments unfolding in northern Mozambique. Despite serious security concerns, a Total-led consortium is moving ahead with a $20-billion project to develop the Golfinho and Atum gasfields and to build a two-train liquefaction plant with a yearly capacity of 13.1-million tons of LNG. The project is scheduled to enter production by 2024. “The work we are positioning ourselves for is not going to impact our business before our 2022 financial year,” Laas reports. M&R estimates its near-term project pipeline in South Africa at R9.8-billion, which remains modest relative to pipelines of R66.4-billion and R45.1-billion across its energy, resources and infrastructure and its mining platforms respectively. “Nevertheless, we are hopeful that the decision by government to invest in infrastructure as a means of reigniting the South African economy will materialise and that that will present opportunity for this platform,” Laas says. “Unfortunately, there is limited investment happening in South Africa as we speak, so we do expect that there will be a bit of a dry season maybe for the next 6 to 12 months due to a lack of project opportunity. “That is reflected in the platform’s order book which declined to R400-million from R900-million in 2019. When you compare that to the other two platforms, it really is just a drop in the ocean.”

Jacaranda FM — The entry page for the Spar Women’s Virtual Challenge 2020 has a donate button for Good Morning Angels. Race entrants have so far generously donated towards Good Morning Angels causes. Spar will donate R45,000 of these funds to assist with Petrovien’s medical and other needs. You can enter here: www.sparvirtualchallenge.co.za

Vehicle exports from South Africa declined by 73 419 vehicles, or 40.3%, in the first half of the year compared with 2019, says National Association of Automobile Manufacturers of South Africa (Naamsa) trade, exports and research executive manager Dr Norman Lamprecht. This decline saw vehicle export revenue drop by R21.3-billion, from R67.2-billion in the first six months of 2019, to R45.9-billion in the same period this year. Lamprecht says the contraction can be attributed directly to the Covid-19 pandemic, as most countries imposed lockdown restrictions, which resulted in a fall in new-vehicle demand. “The significance of exports for the country’s motor industry was highlighted in 2019, when, despite a progressively declining domestic new vehicle market, reaching its lowest sales level since 2010, vehicle exports once again showed exceptional growth in 2019 to support the export-oriented industry’s overall performance.” South Africa’s automotive industry exported a record number of 387 125 left- and right-hand-drive vehicles to 105 countries in 2019 – up from 351 139 vehicles in 2018 – at a record export revenue of R148-billion. “Record vehicle exports in 2019, accompanied by continued high levels of investment in the domestic automotive industry and large-scale employment of high skilled jobs, were testimony to the largest manufacturing sector’s contribution to the South African economy,” notes Lamprecht. The Regions by Numbers South Africa’s new-vehicle exports to Central America saw a 75.2% decline in the first half of this year compared with the same period last year. However, export numbers to this region are very small, at 106 vehicles in 2020. Exports to South America fell by 29.9%, to 1 563 vehicles, with exports to North America declining by 40.6%, to 3 318 vehicles. Exports to Australasia dropped by 34.9%, to 6 144 units, with exports to the rest of Africa declining by 40%, to 6 934 units. New-vehicle exports to Asia declined by 36.5%, to 12 357 vehicles. The most significant decline, however, was to Europe, at 41.3%, with 78 520 vehicles exported to this region compared with 133 672 units in the first six months of 2019. “Considering that a significant 64.1% of South African vehicle production was exported in 2019, with Europe accounting for 73.8% of the 387 125 vehicles exported, developments in the region have a direct and measurable impact on the domestic automotive industry’s performance,” says Lamprecht. “Consequently, the 55 152 vehicles, or 41.3%, decline in vehicle exports to Europe comprised the bulk of the domestic industry’s vehicle export losses during the first half of 2020.” Volkswagen Group South Africa, with its Polo model, topped the country’s vehicle export rankings in 2019, with 89 366 of these units destined for Europe. BMW exported 67 516 X3 models to Europe, followed by 55 373 Ford Ranger models, 43 253 Toyota Hilux/Corolla models and 30 003 Mercedes-Benz C-Class models. The UK, with 101 401 vehicles, followed by Germany, with 37 152 vehicles, France, with 25 629 vehicles, Italy, with 14 624 vehicles, and Austria, with 12 675 vehicles, were the South African automotive industry’s top five European destinations in 2019. However, according to data collated by the International Organisation of Motor Vehicle Manufacturers, first-half 2020 new-vehicle sales in the UK declined by 48.4% compared with the first half 2019, while in Germany the new vehicle market declined by 33.9%. In France the market declined by 37.1%, in Italy by 45.1%, and in Austria by 35.3%. “Some positive news for the domestic automotive industry is that the major European markets reflected an improved performance since June this year, in line with the easing of the lockdown restrictions,” says Lamprecht. “Markets have also been buoyed by large financial government incentives to encourage drivers to trade in older cars for new ones. “However, the bad news is that new-vehicle sales ac...

Arm Treasure Dataでエヴァンジェリストを務める若原強が各界注目のゲストを招いて対談するシリーズ。今回のゲストは、株式会社HIKIDASHI 代表取締役であり、「スナックひきだし」という謎のスナックのママでもある木下紫乃さん。「何も計画はないのが私の人生、人生全てが実験」と豪語する木下さんのもとには続々と悩める人々が集まっています。若原をして「絶妙な場」と言わせしめる「スナックひきだし」とは、一体どんな場所なのでしょうか。 ◇バブル世代を元気づける/どういう場が求められているのか/バーのアイドルタイムをスナックに/R45でモヤモヤを抱えている人限定のスナックがスタート/何もテーマはない、というスタート/知り合いの知り合いまででギュウギュウに/「昼スナ」の誕生/120回をこえるスナック営業/「スナックやればいいってわけではない」/ママはファシリテーター/自然に本音を引き出す/今まで会うはずがなかった人たちが出会う場ができてきた/まず、どんなことで悩んでいるかを知りたかった/来た人が勝手につながる状況が出てきた/隣にいる人のリアリティから生まれる気づき/次の進路の背中が押された人も多い/自分自信の意思決定/「うまく行かなかったら変えればいいだけ」/人のチャレンジを応援する場/「無責任」/「図書館かよ」/サードプレイスの理想形？/オフィス什器のカウンターにママもセットで売る◇　 PLAZMA TALK 11 (1/3) Shino Kinoshita: President, HIKIDASHI Co., Ltd. Tsuyoshi Wakahara: Evangelist, Arm Treasure Data Recording: 14/04/2020 PLAZMA: https://plazma.red/hikidashi-kinoshita-01/ 収録はオンラインにて行っています。一部背景に環境音が入っている箇所あります。ご了承ください。

What are the implications of buying two ETFs that have similar holdings? Raesetsja is trying to figure out if they should add MSCI World to a portfolio of S&P500 holdings. In this week's episode, we show you how to figure out what doubling up would mean for your portfolio using local Satrix ETFs as an example. Remember, you can find the minimum disclosure documents (MDDs) on each issuer's website, or find everything in one place on the etfSA.co.za website. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Raesetja I currently hold the Satrix S&P 500 ETF in a TFSA, into which I make R500 monthly contribution. I have another R500 to invest monthly. Often you guys suggest the Satrix MSCI World ETF.  I just had a glance at the MDD and the top 10 equity holdings in the S&P500 and the World are exactly the same. Is it worth buying the World if my exposure (at least of the top 10) is the same as in the S&P 500? Should I rather invest R1000 a month into the S&P 500? Win of the week: Javier I discovered your Podcast and just listened to the last 40 of them — that's 40hours of questions which have been awesome and fun. Though I'm extremely lucky and I have quite a few things already lined up, your podcast has made it clear how to make it even better. Johann  I have a few dollars in a local USD account. If the government loses its mind and confiscates part of people's savings like the Greeks did a few years ago, will this money be safe? Leonora I am 59. Retired at 57. I have a living annuity with Momentum, invested in Deutsche Bank Coreshares S&P 500 at a 2.5% drawdown. I have other income for the time being and wanted to escape regulation 28. I am looking for lower admin costs. 10X could not assist me in 2017 and on enquiry now, they still seem to be unable to do so. Any other suggestions?  Sygnia? Ruben I invest in the Satrix MCSI world ETF and the dividends are automatically reinvested. When the time comes and I one day reach FIRE can I change the way the dividends are paid out, or do I need to sell the ETF shares? Jorge I am currently investing in PTXTEN and have done so for the past three years or so. However, the PTXTEN seems to be going one way and that's down. Is it not time to move to another property ETF and if so, what are the options and if not, why should I continue with PTXTEN. What is the largest liquor company listed on the JSE as SA Breweries is no longer listed? I have found Distell (DGH) on the JSE but they only registered in 2018. Mike Given the short/medium and longer-term risks in the SA economy, what are your thoughts about the % of offshore exposure in a portfolio (medium to high risk)? If I backtest a portfolio of 20% Fairtree income fund and 80% Satrix MSCI world index I get 6.5% above inflation for 5 years annualised (11.5% gross) and 6.2%  above inflation (11.6% gross) for 10 years. In ZAR. That's well ahead of my long-range target of inflation plus 4%. Dave My plan is to live off the cash I have saved until I am 60 or older. At that time I'll decide if I convert any of my annuities to a pension draw-down. How do I invest my current cash savings, which I will use as income for the next couple of years?  I will obviously be drawing from this on a monthly or quarterly basis, but would like to preserve as much as I can. My thoughts are to just transfer all the funds to a Coronation Money market account.  What is the best vehicle to use from a tax perspective? I'm currently in the highest income tax bracket.  Aubrey I am building emergency fund for at least six months to a year. Which cash account or investment options I can use to grow my savings? I have a seven days notice saving account with one month salary for emergencies. I want to open another account where I can put my six months emergency account. I was  thinking of money market account or should I open another Tax Free? Another question is safe to have all your TAX FREE with one organization? Nico-Ben  A few people have written you about student loans and the very low interest rates. I had a student loan. The interest rate is low (8% in my case), but you start paying interest immediately.  By the time I finished studying, my loan capital was just short of R90,000. By that time I already paid R45,000 in interest without paying a single cent on capital. I struggled for a while to get a stable job and was only able to pay the absolute minimum.  The loan period is so long that the cost multiple looks worse than a home loan. It was only after four years of working that I finally managed to aggressively settle the loan. On the upside, working through the loan, and listening to your podcasts made me learn about finances and looking at these costs.  One expects a high salary with a degree, which I have seen in my field (engineering) is not the case. The point is that the interest rate is not the only factor. Just as with any compounding a long-term loan is expensive, even if the interest is lower. I had no alternative but to take a loan, but if you can avoid it I would strongly recommend it. The repayment period does put a hamper on you ability to fully utilize a TFIA and/or RA. Jack I started listening to your show a few months after I read the book Expat Millionaire — where cost of funds and fund damagers was highlighted. I don't mind sitting in traffic anymore. Since then my wife complains that I have become a little obsessed with personal finance and budgets. If a very nice family member wants to give another family member a lump sum of between R500k and R1m to assist in paying of his home loan. What are the tax implications? What is the best way of doing this?

本ポッドキャストでも対談させていただいた、岩本麻奈さんの新著『永遠美貌(エターナルマドンナ) R45編 女医が実践する いつまでたってもキレイの事典』をご紹介しながら、アキが日本で岩本麻奈さんのクリニックで受けた施術について語っています。 オープニングでは、東京での髪質改善サロン体験のお話をしています。 オフィシャルサイトは、http://projectsparis.com/ akigoto143.mp3

本ポッドキャストでも対談させていただいた、岩本麻奈さんの新著『永遠美貌(エターナルマドンナ) R45編 女医が実践する いつまでたってもキレイの事典』をご紹介しながら、アキが日本で岩本麻奈さんのクリニックで受けた施術について語っています。 オープニングでは、東京での髪質改善サロン体験のお話をしています。 オフィシャルサイトは、http://projectsparis.com/ akigoto143.mp3

Vanoggend het Ilse-marie drie van haar vriendinne by Caffe Frescatti in Brooklyn Mall ontmoet. ‘n Span van 16 mense het skelm by die tafeltjies om hulle posisie ingeneem en gewag dat Su-an uit die ateljee bel. Ons wou simboliese vir Ilse-marie wys hoe vreemde mense wat van haar gehoor het, uit alle rigtings kom om te probeer help... Een vir een het hulle opgestaan en nadergestap met ‘n koevertjie in die hand en dit dan voor haar neergesit: “Caffe Frescatti het die ontbyt vir julle geborg...” “Ons vriende van SPAR gee graag vir jou ‘n geskenkkaart vir kruideniersware...” “'n Anonieme borg wil graag betaal vir die herstel van jou Bakkie sodat jy hom ook kan inspan in jou besigheid of vir aflewerings vir ‘n ekstra inkomste...” “Iemand wat omgee, skenk vir jou twee goeie tweedehandse skootrekenaars vir jou werk of besigheid en ‘n playstation vir jou kinders saam met 17 games...” Moeggesukkel se spysenieringspan het reeds al die platters vir die begrafnis gemaak “maar,” sê Jacques Papenfus, “ons wil ook help met die herstel van jou ander voertuig sodat jy hom dalk kan verkoop om te help met van die onvoorsiene uitgawes...” “'n Anonieme borg wil graag jou kragrekening betaal vir die volgende 3 maande...” “En vir Dandré se kleuterskool (R4500...” “En vir die huur van jou huis vir die volgende 3 maande (R16 200)...” “En dan die bedrag afrond na R30 000 met ‘n verdere R4700 skenking wat jy kan gebruik hetsy vir kruideniersware of ‘n kersgeskenkie vir die kinders...” Baie, baie dankie vir almal wat hierdie groot geskenk ter waarde van ongeveer R45 000 moontlik gemaak het en sommer net hulle arms om Ilse-marie kom gooi het sodat sy die liefde en omgee van ‘n hele gemeenskap in hierdie baie moeilike tyd, aan haar lyf kon voel...

Vanoggend het Ilse-marie drie van haar vriendinne by Caffe Frescatti in Brooklyn Mall ontmoet. ‘n Span van 16 mense het skelm by die tafeltjies om hulle posisie ingeneem en gewag dat Su-an uit die ateljee bel. Ons wou simboliese vir Ilse-marie wys hoe vreemde mense wat van haar gehoor het, uit alle rigtings kom om te probeer help... Een vir een het hulle opgestaan en nadergestap met ‘n koevertjie in die hand en dit dan voor haar neergesit: “Caffe Frescatti het die ontbyt vir julle geborg...” “Ons vriende van SPAR gee graag vir jou ‘n geskenkkaart vir kruideniersware...” “'n Anonieme borg wil graag betaal vir die herstel van jou Bakkie sodat jy hom ook kan inspan in jou besigheid of vir aflewerings vir ‘n ekstra inkomste...” “Iemand wat omgee, skenk vir jou twee goeie tweedehandse skootrekenaars vir jou werk of besigheid en ‘n playstation vir jou kinders saam met 17 games...” Moeggesukkel se spysenieringspan het reeds al die platters vir die begrafnis gemaak “maar,” sê Jacques Papenfus, “ons wil ook help met die herstel van jou ander voertuig sodat jy hom dalk kan verkoop om te help met van die onvoorsiene uitgawes...” “'n Anonieme borg wil graag jou kragrekening betaal vir die volgende 3 maande...” “En vir Dandré se kleuterskool (R4500...” “En vir die huur van jou huis vir die volgende 3 maande (R16 200)...” “En dan die bedrag afrond na R30 000 met ‘n verdere R4700 skenking wat jy kan gebruik hetsy vir kruideniersware of ‘n kersgeskenkie vir die kinders...” Baie, baie dankie vir almal wat hierdie groot geskenk ter waarde van ongeveer R45 000 moontlik gemaak het en sommer net hulle arms om Ilse-marie kom gooi het sodat sy die liefde en omgee van ‘n hele gemeenskap in hierdie baie moeilike tyd, aan haar lyf kon voel...

CliffCentral.com — The Bulls have a bit of a mess on their hands as Morne Mellet is suing them for R45 million after he was forced into early retirement. Usain Bolt takes his football dream to Australia now, the Ajax Cape Town football mess worsens, Barcelona reports record revenue, and Kevin Anderson up to no.5 in the world.

Andile Mazwai, CEO of the National Stokvels Association of South Africa tells Tim Modise that stokvels have played an important role in the lives of the black community for decades and continues to do so for many citizens who work in the informal sector. He says NASASA provides members with an opportunity to speak with one voice when dealing with the financial institutions and the government. He estimates the membership of stokvels to be 11 million and the size of savings at R45 billion.

Magnetite (Fe3O4) plays a significant role in geophysics and mineralogy and it is a potential spintronics material. Additionally, it exhibits interesting catalytic properties. As both in nature and technology, these catalytic reactions typically take place at the interface with water, it is important to gain a fundamental understanding of these processes at the atomistic level. This work comprises the first systematic investigation of the water adsorption on the Fe3O4(001) surface based on large scale density functional theory (DFT) calculations. The influence of electronic correlations was explored within the LDA/GGA+U approach. A variety of concentrations and configurations of H2O molecules on the surface with and without defects were studied to explore the underlying adsorption energetics. The DFT results were extended to finite temperatures (T) and pressures (p) of the surrounding gas phase molecules by compiling a surface phase diagram within the framework of ab initio atomistic thermodynamics. This phase diagram reveals a dissociative mode of adsorption for an isolated H2O molecule, especially at oxygen vacancies. With increasing coverage, a crossover from dissociative to partial dissociation of H2O molecules on the surface is predicted. This is attributed to adsorbate-adsorbate interactions stabilized by hydrogen bond formation between the linear chains of alternating H2O and OH groups. This partially dissociated termination is stable across a wide range of water vapor and oxygen partial pressures and confirmed by a quantitative low energy electron diffraction (LEED) analysis. In addition, the LEED pattern also indicates a lifting of the (sqrt(2)X sqrt(2))R45 surface reconstruction. The DFT results reveal that defects and adsorbates induce a unique charge and orbital order (CO/OO) on the Fe3O4(001) surface. This provides a novel way to alter the catalytic properties of the Fe3O4(001) surface. While the CO/OO in the sub-surface layers lead to an insulating character of the clean surface, a transition to half-metallic behavior with the adsorption of H2O molecules is predicted. This insulating to half-metal transition can be explored for applications in spintronics. The calculated surface core level shifts are used to interpret the X-ray photoemission spectroscopy data, disclosing the major contribution of the screening effects.

A LEED intensity analysis is reported for the c(5√2 × √2)R45° structure, which is formed by a dense lead monolayer on the (100) surface of copper. Evidence was found that the adsorbate atoms do not arrange pseudo-hexagonally (i.e. without sixfold intra-layer coordination) as expected for a dense two-dimensional package. It was confirmed that the lead atoms still tend to occupy the hollow sites of the (100) surface and arrange in the narrow domains of a strained c(2 × 2) structure. These domains are regularly intersected by dislocation lines, so that adjacent domains are in antiphase position. Within this arrangement the adsorbate atoms are mutually equidistant with closer spacings than in bulk lead. The growth of the monolayer and the epitaxial growth of lead on copper (100) in Stranski-Krastanov mode are correlated to this structure.