Podcasts about r5000

Nuevo episodio del podcast de RUNNEA con Chiki Pérez, fondista internacional y Marcos Fernández, responsable de patrocinios de Joma Running y trail. Chiki Pérez es uno de esos atletas que no solo corren rápido, también entienden de zapatillas. Y lo demuestra en el nuevo episodio del podcast de RUNNEA, donde charla con Gorka Cabañas y Lionel Nattes sobre sus entrenamientos, sus rutinas, su futuro... y sobre la zapatilla que aún no ha salido al mercado pero ya está dando que hablar: la Joma RS9000. Un modelo de apenas 130 gramos, diseñado para volar en 5.000 y 10.000 metros, que Chiki ha estado probando antes incluso de su presentación oficial. “Es una zapatilla agresiva, que te impulsa. En cuanto te pones a ritmo, responde sola”, cuenta el atleta de Carrión de Calatrava, que ha participado activamente en el proceso de testado. Junto a él, Marcos Fernández, responsable de patrocinios de Joma Running, aporta luz sobre un proceso que no suele verse: cómo nace una zapatilla, qué fases atraviesa hasta llegar al pie del corredor y qué controles debe superar para ser aprobada por World Athletics como legal para competir. “No es solo diseñar y probar. Hay que pasar controles de altura de suela, presentar documentación técnica, enviar prototipos… Y todo con meses de antelación”, explica Marcos. La RS9000, que verá la luz tras el verano, será la zapatilla más ligera jamás producida por la marca toledana. Con una espuma de nueva generación y placa de carbono, se une a la ofensiva de Joma por plantar cara en el segmento de la competición de élite. Y Chiki, que ha corrido ya con varias versiones del modelo, se muestra convencido: “Esto no es solo una apuesta de diseño, es una zapatilla pensada para correr muy rápido”. De la pista al laboratorio, y viceversa El episodio ofrece una mirada inédita al proceso de creación de calzado de alto rendimiento. Desde la idea inicial hasta la validación por parte de las federaciones internacionales. Joma, que ya había mostrado sus cartas con modelos como la R5000 o la R6000, quiere dar ahora un paso más. “Estamos en un momento clave. La gama R ha crecido, tenemos modelos mixtos, voladoras, zapatillas con placa y sin placa… pero la RS9000 será un antes y un después”, resume Marcos Fernández. Las Joma R6000, por ejemplo, son ya una opción real para corredores que buscan una zapatilla versátil, válida tanto para entrenamientos de calidad como para competir en medio maratón. Con placa de carbono y una estructura más estable, se han convertido en una de las sorpresas de la temporada. Por debajo, las R5000 siguen siendo una opción ultraligera para quienes buscan sensaciones puras de velocidad sin necesidad de placa. Cómo entrena un fondista El otro eje del episodio lo marca la preparación de Chiki Pérez. A sus 35 años, el fondista internacional mantiene un volumen cercano a los 190 kilómetros semanales, estructurados en bloques de calidad y recuperación. “Escucho mucho a mi cuerpo. Hago pista, hago cuestas, hago días de volumen… pero el descanso lo respeto como una parte más del entrenamiento”, afirma. Durante la conversación, Chiki desgrana cómo estructura sus semanas, qué tipo de entrenamientos le funcionan mejor y cómo adapta sus sesiones a la época del año y al tipo de objetivo. También habla de su calendario, de los campeonatos que vienen y de su obsesión por seguir bajando marcas. “Ahora mismo estoy mejor que hace dos años. Y eso, a esta edad, no siempre pasa. Pero con cabeza, todo llega. Las zapatillas ayudan, pero lo importante es el motor”, dice con una sonrisa. El nuevo episodio del podcast de RUNNEA no es solo una charla sobre zapatillas. Es una lección completa sobre cómo se entrena un atleta de élite, cómo se fabrica una zapatilla desde cero y cómo se cruzan las dos realidades —marca y corredor— para hacer que un producto funcione de verdad en carrera. Disponible ya en Spotify, Apple Podcasts y en RUNNEA.COM, este capítulo confirma el rumbo del podcast: ser un altavoz riguroso, cercano y técnico para los que aman correr, ya sea en zapatillas de carbono o con las de toda la vida. 🎧 Escúchalo ya: RUNNEA Podcast – Episodio con Chiki Pérez y Joma Running

Last week were discussing playing loud music when driving into an estate, we then received a message from Nazira... "Good morning, a bit late our big debate is whether to buy a standalone house in a boomed off area or in an estate. Both have pros and cons. safety, more land and bang for your buck versus safety, community, restrictions and levies for life. Like I think levies is unsustainable long after we finishing paying the bond, there'll be a second bond called levies... I mean if levies are R5000 now what will they be in 10 year's time"See omnystudio.com/listener for privacy information.

Build One South Africa (BOSA), leader Mmusi Maimane has called for a forensic investigation into Family Tree Trust following what he calls job-killing corruption within the Gauteng Government. This follows reports of wrongdoing by large private sector companies that are allegedly abusing small businesses through unscrupulous means, particularly in the Katlehong area, in Gauteng. For more on this we are joined on the line by Build One South Africa (BOSA), Leader Mmusi Maimane  

The South Africa Red Cross Society Western Cape is honored to be able to invite you to the event of the year - a high tea and auction on 5 July at the Vineyard Hotel, from 3pm to 6pm for a fundraiser that will help thousands.  Tickets are on sale from Computicket for R530 per person and R5000 for a table of 10. Your ticket and time will go toward uplifting the most vulnerable while creating epic memories. See omnystudio.com/listener for privacy information.

The East London Regional Court has sentenced Enyobeni Tavern Owners, Siyakhangela and Vuyokazi Ndevu to a fine of five thousand rands each or 100 days in prison. They were found guilty of selling or supplying intoxicating liquor to persons under the age of 18 years. The tavern based at Scenery Park in East London, made headlines in 2022 after 21 young people mysteriously died inside the tavern. Sakina Kamwendo spoke to reporter Sidima Mfeku.. 

Thembinkosi won R5000 on Carol Ofori's show and said she wanted to spend it on swimming lessons. We decided to put a call out to swimming schools to sponsor her. Listen to how this epic moment unfolded. #CarolOforiOnECR

Technical and Sales support specialist Paul Restarick explores Epson technology for wallpaper printing. In our latest podcast we talk with Paul Restarick of Epson UK. As a technical sales support specialist his application knowledge is extensive, and his experience spans a wide range of Epson technologies. We explore his long career in print and how he uses his skills to demonstrate technology and support Epson customers. In this podcast we explore the many nuances of wallcovering production and how Epson resin technology provides high quality printed output across a wide range of applications using one machine – the SureColor SC-R5000.

The last Quick Quiz for 2022 and we got to see if Carmen from Glen Hills was able to win R5000 in cash prize.

PPS Investments is taking investing to new heights. Through their Family Network investment option, they are making it easier to build generational wealth. To celebrate PPS Investments' Family Network, this week CapeTalk and PPS Investments are giving away R5000 daily. To stand to win, all you had to do was visit capetalk.co.za and nominate someone, in your family, who has inspired you, by keeping it together in these tough times. You and that inspiring family member could walk away with R2500 each. Let's find out who today's winners are. Nominator Details: Wendy Abrahams Nominee Details: Zia Abrahams See omnystudio.com/listener for privacy information.

With 18 delicious fruity flavours to choose from it's easy to choose flavour that's full of goodness every day. Share joy with the ones you love wherever you are with 100% fruit juice with no preservatives. Choose goodness with Rhodes Quality 100% fruit juices. #GoWithGoodness

When you need to make good choices for your family this summer - Go with Goodness! With Rhodes Quality 100% fruit juices you can taste the goodness of whole apples, juicy mangos, refreshing cranberries and so much more. 100% fruit juice, 100% goodness from Rhodes Quality. With 18 delicious fruity flavours to choose from it's easy to choose flavour that's full of goodness every day. Share joy with the ones you love wherever you are with 100% fruit juice with no preservatives. Choose goodness with Rhodes Quality 100% fruit juices. #GoWithGoodness

With so much happening each weekday morning with Darren, Keri & Sky, you'd be forgiven for missing parts of the action! Here are the best bits from Darren Maule, Keri Miller and Sky Tshabalala.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc. and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc. and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Got quite a bit of cash to deposit? You'll pay less in fees if you do it at the supermarket, says Consumerwatch's Wendy Knowler. That's provided you're depositing larger amounts - R1200 or more. For smaller amounts, your bank's ATM deposit fee will probably be less than the supermarket's standard R19,95 fee. The Shoprite group has followed Pick n Pay in making it possible for customers to deposit cash directly into their own bank accounts at till points of its Shoprite, Checkers and USave stores. All you need is your card and the cash, plus a transaction fee of R19,95 - the identical amount Pick n Pay charges for the service at its grocery, clothing and Boxer stores. It's a safer, more convenient cash deposit option than using a bank ATM - especially for those who get paid in cash and live in rural areas where ATMs are relatively scarce. Shoprite caps its till-deposit amount at R3000, while PnP allows customers to deposit up to R5000 cash, still for that flat fee of R19,95. I asked Pick n Pay how shoppers had responded to the service offering and what their average deposit amount is. “Customers are absolutely loving it,” I was told. “We have seen a jump of 159% in the number of deposits from level 5 lockdown to level 1.” The average deposit amount in the last financial year was R1600, so clearly most have cottoned on to the fee issue. You pressed the lock button on your remote, but is your car really locked? Are you in the habit of locking your car by pressing a button on your remote while walking away from your car parked in at a shopping mall? Criminals use signal-blocking technology to effectively blocks a vehicle from locking properly - as you press that button on your remote, so they press their's and the result is your car isn't locked and they can help themselves to what you have stashed in your boot - often a laptop. It's not a new scam, but it's still very prevalent. ECR Consumerwatch

Got quite a bit of cash to deposit? You’ll pay less in fees if you do it at the supermarket, says Consumerwatch’s Wendy Knowler. That’s provided you’re depositing larger amounts - R1200 or more. For smaller amounts, your bank’s ATM deposit fee will probably be less than the supermarket’s standard R19,95 fee. The Shoprite group has followed Pick n Pay in making it possible for customers to deposit cash directly into their own bank accounts at till points of its Shoprite, Checkers and USave stores. All you need is your card and the cash, plus a transaction fee of R19,95 - the identical amount Pick n Pay charges for the service at its grocery, clothing and Boxer stores. It’s a safer, more convenient cash deposit option than using a bank ATM - especially for those who get paid in cash and live in rural areas where ATMs are relatively scarce. Shoprite caps its till-deposit amount at R3000, while PnP allows customers to deposit up to R5000 cash, still for that flat fee of R19,95. I asked Pick n Pay how shoppers had responded to the service offering and what their average deposit amount is. “Customers are absolutely loving it,” I was told. “We have seen a jump of 159% in the number of deposits from level 5 lockdown to level 1.” The average deposit amount in the last financial year was R1600, so clearly most have cottoned on to the fee issue. You pressed the lock button on your remote, but is your car really locked? Are you in the habit of locking your car by pressing a button on your remote while walking away from your car parked in at a shopping mall? Criminals use signal-blocking technology to effectively blocks a vehicle from locking properly - as you press that button on your remote, so they press their’s and the result is your car isn’t locked and they can help themselves to what you have stashed in your boot - often a laptop. It’s not a new scam, but it’s still very prevalent.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc. and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

May Money Madness kicks off with a R5000 win on Kfm Mornings. See omnystudio.com/listener for privacy information.

Flautist Louisa Theart recently had her backpack stolen literally from right under her feet when she was in Zonnebloem.  In that backpack were her beloved flute and piccolo and she is offering a R5000 reward for their return.  See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000.     See omnystudio.com/listener for privacy information.

CAN’T BEAT CHALLENGE WITH MI-WAY Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

CAN’T BEAT CHALLENGE WITH MI-WAY Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

Every day, we’ll pit two of you against each other in a category. It could be movies, it could be music, it could be food, it could be spelling bee, etc and we want to see which listener can’t be beaten for the whole week. Each day, there is R1000 up for grabs for the winner, so if you go all the way, you could be walking away with R5000. See omnystudio.com/listener for privacy information.

We had to wait a whole week to get a winner for Stacey Norman's Big Music Challenge, it had to take two ladies, brides to be Liz and Tracey to double up to WIN the R5000 in cash

It has been four days since we last had a winner for Stacey Normans Challenge which means we will now be playing for R5000 in cash, will we end the week off on a high?

Stacey Normans Big Music Challenge was a record R5000 and Noluthando from Umlazi had a shot at taking the challenge on. But unfortunately for her, she was unable to WIN- this means we will be playing for R6000 next week! Will you be playing? To play send Stacey a WhatsApp message with the name 'Stacey' and your name to 061 792 9495

Week one of February is going to be BIG on Stacey and J Sbu! Want to be a winner on Stacey and J Sbu? The team has X 4 Competitions running on the show this week: You have a chance to WIN up to R5000 this week with Stacey Normans BIG Music Challenge Samsung has a range of prizes up for grabs including a grand prize draw of the new Samsung Galaxy S21 on Thursday Clicks is back on the show with a new competition, awarding you with R2 500 every single day AND The team will still be blasting your bills with the Budget Bill Blaster Competition! So, make sure you tune into Stacey and J Sbu between 4 and 7 pm this week to find out all the details on how YOU can be a winner!

In our second Fast Fatty, we spoke about Suzanne's PPS account. PPS felt our assessment of their product was inaccurate. We offered them a right of reply. Read their reply here. Pru has had a rough start to her investment career. She had a financial advisor she was struggling to shake off. Just as she worked up the courage to let them go, the advisor got fired for committing fraud. This shocking news encouraged Pru to take a closer look at her investments. She was not happy with what she found. Many of you have expressed your frustration at the returns you're getting from your investments this year. In this episode we help you and Pru figure out exactly what happened. As always, we explain how a high fee puts you at a disadvantage from the outset. Next, we discuss asset allocation, diversification and the general madness of the market.  Being able to read investment documents is an important skill to develop. We wrote three articles to help you make sense of these documents. You can find them here, here and here.  Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Pru  Discovery gave me a call and told me they were doing a forensic investigation into my financial advisor. It turns out they forged my signature on a policy document, as such Discovery did the heavy lifting for me and took them off my policies.  The rage regarding the forgery forced me into action. I started the process of moving my TFSA from Sanlam to Easy. This led to me scrutinising my TFSA portfolio and you two won't believe this! (Or maybe you will) My portfolio has done FUCK ALL (Sorry Sean) since I started it in 2017!!!! I have actually lost R 20 000 of my contributions!!! I am so upset!  Where I have gone wrong and what the FUCK happened????!!! Meanwhile, back at the ranch, my demo portfolio on Easy Equities has made a profit of R5000... There are not enough exclamation marks and expletives in this email to describe how I feel right now.  Thank you again for all the help. The two of you are doing the Lord's work, literally.   Dirk How can I determine how safe my investment is with respect to the investment issuer/provider/platform? Many investments are for the longer term. What guarantee can an investor have that the investment provider will still be around in the future? There seems to be an increasing number of issuers, platforms and providers. How can I determine the risk associated with them? What is the situation in the case where I buy an UT or ETF via a platform (e.g. AG/ABSAStockbrokers/EasyEquities/etc/etc/etc) that is issued by another issuer, for example, AG/Satrix/Sygnia? Rudzani Given that cash is no longer king, what is the implication for people like me who have significant equity in our bonds? Should we looking to invest it elsewhere in the meantime? The bond has served as a mechanism to reduce interest rate expense, bond term and easily accessible large sums of savings.  I have ETFs and max out my TFSAs each year. I sadly hold some unit trusts but I got those before I knew about ETFs and have just left them. What are some strategies with the cash currently sitting in the bond? Do I just leave it? Christiaan is intrigued by the new ESG ETFs from Satrix, but he's not convinced that the money will follow the ethics. He wants to know if we have any strong opinions about it. Brent I am investing in ETFs for the long haul. I'm maxing out tax free first, but I'm referring to non-tax free and non RA investments.  Say I buy shares monthly for the next 30 years and then I want to sell some, how is tax worked out on that? I will have been buying shares at different prices over time and now I'm selling them at whatever the price is at the time of sale. Will SARS tell me how much tax I should pay? Will Easy Equities? If I bought shares in Ashburton 1200 for R50 in 2020, then R300 ten years later, then R1000 another few years after that. If I sell them for R1200 the tax on the first shares I bought would be huge, but not so much on the last shares I bought. Sarel I follow the one ETF strategy, buying the world, bought Asburton 1200 and MSCI world. I have resources to add some spice to the mix. Any opinions regarding Sygnia ISO and 4th IR. Suzanne is wondering whether she should continue investing in ETFs once she's maxed out her R500,000 tax-free allowance? Guy I invest using EasyEquities and focus on ETFs primarily (I've been listening to your guidance). My main investments were Satrix Nasdaq, Emerging Markets and recently the Ashburton 1200 (you mention it so often I couldn't ignore). I invest in shares through my USD account on EE but was wondering if it would be best to move the ZAR to USD and buy the MSCI World ETF from iShares / Blackrock. Jason My question is regarding index fund platform offerings in SA. As you know, this would be different to ETFs - not trading live on the exchange - but trading like unit trusts that have updated NAV daily. The Vanguard Index funds are the prime example, having the same constituents as the ETFs but not trading live. This allows one to purchase these passive instruments on auto instruction, without worrying about losing out a spread due to the product not being live on an exchange, like an ETF would.  I have an account with EE and the recurring investment option often sees this spread resulting in some low volume ETFs being bought at a premium, which puts me off and spoils the opportunity of letting my portfolio function truly passively. Anyway, I hope you guys can help with suggestions or at least expand on the conversation about the recurring auto-invest instructions getting spreads horribly wrong from time to time.

It is time to ‘Shake Off’ 2020 with the Vodacom Summer Shake Off Competition! YOU get a chance to walk away with R5000 in cash. All you must do is tune in to this show (Stacey & J Sbu) for the #ShakeOff moment to hear the question of the day to WIN R5000 in cash. Here is the question for Thursdays competition moment, listen to Thursdays question: How many daily free shakes do you get on the My Vodacom App to participate in Vodacom’s ShakeOff 2020? CLUE: The answer is in the first parts of what J Sbu has to say to you!

Stacey and J Sbu are feeling like Oprah and Gayle on the show today as they giveaway cash, money dollar!

Last month, our producer challenged Darren and Sky to make the best infomercial advertising Fry’s 100% meat free Boerewors. Keri was disqualified because the Cake Gate Scandal is still hanging over her head The votes were split 60/40 with Darren reigning victorious with his “Wors without a name” video, even though a video of Sky eating a banana makes out the majority of the video. So, who exactly won? Now, Fry’s Family food is giving you the opportunity to win R5 000 in cash and a Fry’s Family food voucher to the value of R1500! Listen to the podcast for all the details.

KZN went all in and guessed away but one listener Devina nailed it and guessed correctly what was in the box. It was a beautiful 9ct white gold with 9 sparkling diamonds set in the shape of a flower with a 0.50ct total diamond weight, the ring is valued at R46 999, but now selling for only R13 999. What a saving! Congratulations to Devina for walking away with the R5000 sterns voucher on the show today. You deserve it mama! Listen to the full podcast to hear the whole winning moment. WIN your share of R20,500 in cash with Stacey and JSbu today!

Sterns wants to bring the excitement back into Black Friday, so we will be running the Sterns Friday Frenzy competition every Friday for the next two weeks. We want YOU to guess what’s in the box for a chance to win a Sterns voucher worth R5000! To enter to WIN all you must do is go to the ‘WIN’ page at ecr.co.za, click under the win tab and pick between the 3 guesses what the item of the week is. Today Stacey and J Sbu had a beautiful gift in studio that had diamonds all and as Stacey described can be used for a special moment or occasion. Listen to the podcast to hear how to walk away with a R5000 sterns voucher. WIN your share of R20,500 in cash with Stacey and JSbu today!

It had been a long while since we had a winner for the #StaceyNormansBigMusicChallenge but Mikhaela from Morningside came through and changed all that. After Ntwenhle from morningside came close on Tuesday afternoon to winning R5000 on Stacey Normans Big Music Challenge we thought we'd have to wait a while longer but lucky we didn't. Well done to Mikhaela! To play send Stacey a WhatsApp message with 'Stacey' and your name to 061 792 9495, using #StaceyNormansBigMusicChallenge

Ntwenhle from morningside came close on Tuesday afternoon to winning R5000 on Stacey Normans Big Music Challenge. She was agonizingly close but she unfortunately ran out of time to get the last question read out during the challenge. This means that the prize money tomorrow will be R6000! To play send Stacey a WhatsApp message with 'Stacey' and your name to 061 792 9495

Do you want to walk away with R5000 in cash and a Rhodes Quality Hamper? Make sure you listen to Stacey and JSbu today between 4 and 7 pm. To enter all you need to do is post your picture on social media, enjoying a moment of goodness with any Rhodes Quality 100% fruit juice.

We spend a lot of time thinking about building an asset base and which assets we should be buying.  As you approach financial independence, getting rid of assets starts to present problems. Which assets should you get rid of first? How do you manage your capital gains liability? How many of your assets should you get rid of and when? How can you use a capital loss to offset your capital gains liability? This week we consider the challenges in living off your investments. If you've spent your whole life accumulating assets, getting rid of them is bound to feel like sacrilege. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the week: Gert Was listening to your show about the confusing jargon, synonyms and abbreviations/acronyms we use, especially the term “coupon” used in describing the return on a bond.  I seem to remember reading about the etymology years ago and looked it up on Investopedia, but found a better explanation on Wikipedia: The origin of the term "coupon" is that bonds were historically issued in the form of bearer certificates. Physical possession of the certificate was proof of ownership. Several coupons, one for each scheduled interest payment, were printed on the certificate. At the date the coupon was due, the owner would detach the coupon and present it for payment (an act called "clipping the coupon").[2] The certificate often also contained a document called a talon, which (when the original block of coupons had been used up) could be detached and presented in exchange for a block of further coupons.[3] Hannes For equity investments, I've read that it's important that there is a "CSDP account" for each user of the platform. central securities depository participant  They note: "First World Trader Nominees holds a Securities Account with an authorised central securities depository participant (CSDP) admitted to Strate, in the name of FWT Nominees into which Clients' Securities are deposited or stand to be credited." So it sounds like some rights are seeded to EE here. Should I be concerned? Luan I have an RA with work which is invested in Momentum Focus 7 fund of funds which I believe has a TIC of 2.08%. Work contribute 5% and I match that – I have come to the realisation that while they will continue to contribute into that, I can choose not to and rather put my portion into something that works better for me. I do have an RA with etfSA which I have been contributing to and wondered what your thoughts were on topping up into this or whether I should rather put it into ASHGEQ type investment? I am also looking to help my sister start her own additional RA and wondered what your thoughts were on the etfSA RA or Sygnia Skeleton 70 fund? (will be starting fresh so not beneficial to do OUTvest) My sister and I will likely not retire in SA and I wondered what advice you would offer on how to safeguard our future, specifically with the value of the rand (in 15-20 years) when our RA's begin paying and we are in another country? Are we being silly contributing into personal RA's now for the tax benefits and should we rather be buying investment ETFs like ASHGEQ it STXWDM with those monthly contributions (+-R5000)? We do not have offshore investment accounts (do have a UK bank account) and am assuming for now the best route is through EasyEquities USD account until we have a more substantial amount – would you agree? I want to make sure that we are putting our money to work in the right places and can then let that compounding go wild.

JOHANNESBURG (miningweekly.com) – South Africa’s one-size-fits-all mining legislation is losing vital jobs for the country in the job-intensive alluvial diamonds space that requires regulations tailored to junior mining to survive, South African Diamond Producers Organisation (Sadpo) reiterated on Monday. Because there are so many alluvial deposits in South Africa, Sadpo is asking for alluvial diamonds to play a more prominent role in the economy in general and job creation in particular. (Also watch attached Creamer Media video.) The problem is that the regulations have always been written for the big kimberlite mines that produce a very specific population of diamonds – and the number of marginal alluvial miners are diminishing under the strain, along with worryingly high unemployment rates in rural areas. In a Zoom interview with Mining Weekly, Sadpo chairperson Gert van Niekerk and Sadpo deputy chairperson Lyndon De Meillon outlined the rich rewards South Africa could harvest with the right regulations that lowered the cost of doing business. Compared with its heyday between the 1990s and early 2000s, today’s alluvial diamond mining sector is but a shadow of its former self, but with the potential to boost many times over the 5 500 people currently employed in it, provided the legislative framework is corrected. In today’s market, one would have to typically mine 60 000 t/m of these low-grade 0.25 carats per hundred tonnes (cpht) diamonds, found routinely in the Northern Cape. To achieve that, 50 people need to be employed in a two-pan set up that will yield about 150 ct a month or about 50 stones a month, the typical production of a junior diamond miner of this kind. Displayed by Sadpo was a group of a typical monthly production output – with one large stone. “If you don’t find the one large stone, you're in trouble. The rest of the smaller stones will not cover expenses. “So, in a nutshell, that’s what our business is about – volume and special stones – but the current legislation makes it very difficult for us to mine in this way,” said De Meillon, an independent diamond producer and owner of Paleostone Mining, which has two operating alluvial diamond mines. De Meillon is a geologist with an honours degree in geology and a master’s degree in oceanography. He has been in the diamond business for 28 years. He assures Mining Weekly that South Africa’s globally unique and exceptional deposits can be successfully exploited with robust geological modelling, experience, low-cost operations and technology advances. But a faster enabling environment must be established and legislation introduced to open the way for the country’s small and junior mining sector to create wealth and jobs. Sadpo’s emphasis is that the situation should not be as dire as it has become, given the remaining widespread and voluminous alluvial diamond deposits in Namaqualand, the Northern Cape and the North West province. New technologies are now able to detect undiscovered greenfields and ensure that significant alluvial gravels that were previously unworkable are now workable and marine wise, the surface has barely been touched, Van Niekerk emphasised. “There’s a huge deposit still lying off our shores on the West Coast,” Van Niekerk said. Bulk X-ray units have made diamond recovery more efficient, and the high-tech, containerised recovery systems and closed-circuit camera systems can be observed and managed remotely. They have also assisted in limiting product theft and shrinkage. Sadpo has 130 members and is also affiliated to Minerals Council South Africa, which is campaigning for government to make it easier for new small mining entrants. “The smaller the operation, the higher the job creation ability,” Van Niekerk said. But the mere application for a small 5 ha mining permit, before the applicant has even bought a pick and shovel, costs R150000. In Sadpo’s opinion, this should not cost more than R5000. Alluvial op...

Diamond miner Petra Diamonds reports that it has concluded a one-year wage agreement with the National Union of Mineworkers (NUM). This applies to its South African operations for the financial year to June 30, 2021. Under the terms of the agreement, Petra will make a one-off, ex-gratia payment of between R5000 and R8500 to employees graded in the A and B Paterson Bands. In addition, employees in the A Paterson band will receive an increase of 5.5% in their cash earnings, effective January 1, 2021, with employees in the B Paterson band to receiving a 5% increase. Besides the wage increases, the agreement also covers various outstanding discussion points between Petra and the NUM, with clear timelines for the finalisation of these, as well as a commitment to continue discussions on a wage agreement for the following financial year to June 30, 2022. “We thank our partners in the NUM for their positive and constructive engagement that has resulted in this agreement. This now allows us to renew our focus on continuing to deliver operationally as we reposition the business in emerging from what has been a particularly challenging period,” comments Petra CEO Richard Duffy.

On Wednesday we gave listeners, a chance to take their shot at playing for the cash prize on offer in Stacey Normans Big Music Challenge. Wynand was the lucky listener on Wednesday and she was playing for R5000. Did he manage to get all 5 questions right? Have a listen to the podcast LISTEN and walk away with R5000 in Stacey Norman's Big Music Challenge today!

How would a R5000 deposit of cash help you end the week and just before payday too? Stacey and JSbu want to give one lucky KZN listener the money this afternoon. What is Stacey Norman's Big Music Challenge? It is a music-related game in which Stacey Norman takes one listener through five questions and the listener has to be able to answer the questions in under 30 seconds correctly. Every single day, there is R1000 on offer, unless it is not won on the day. If not, the money gets carried through to the next day. The last time the show had a winner was last week Wednesday, which means that today R5000 is up for grabs! JSbu has a massive clue for you today, LISTEN!

Hi team I would like to nominate my friend and colleague Gugu from Ratanda, Heidelberg. She has been diagnosed with CIN1 and if it is not removed, it could cause cancer in a later stage. Of late, she has been sick and her doctor referred her a gynaecologist who advised that it would be best for her to have the LEEP procedure done for the CIN1 to be removed since all of her test results came back unsatisfactory. The procedure will be done in November. In the meantime, the gynaecologist prescribed injections for her she has to take every month, which cost her almost R900.00 plus she needs to have R5000.00 on top of her medical aid for the procedure in November. We have managed to raise R2000.00. She tried going to the government hospital, but they told her that this is not an emergency, she will have to wait for the lock-down period to be over. It breaks my heart having to see her coming to work every day in pain. We work for a small debt collecting company and her salary is not enough for her to survive on and pay her medical bills. Any help will be appreciated. Kind Regards, Mbali Thusi. See omnystudio.com/policies/listener for privacy information.

Hi team I would like to nominate my friend and colleague Gugu from Ratanda, Heidelberg. She has been diagnosed with CIN1 and if it is not removed, it could cause cancer in a later stage. Of late, she has been sick and her doctor referred her a gynaecologist who advised that it would be best for her to have the LEEP procedure done for the CIN1 to be removed since all of her test results came back unsatisfactory. The procedure will be done in November. In the meantime, the gynaecologist prescribed injections for her she has to take every month, which cost her almost R900.00 plus she needs to have R5000.00 on top of her medical aid for the procedure in November. We have managed to raise R2000.00. She tried going to the government hospital, but they told her that this is not an emergency, she will have to wait for the lock-down period to be over. It breaks my heart having to see her coming to work every day in pain. We work for a small debt collecting company and her salary is not enough for her to survive on and pay her medical bills. Any help will be appreciated. Kind Regards, Mbali Thusi. See omnystudio.com/policies/listener for privacy information.

East Coast Radio — The man found in possession of Westville businesswoman, Sandra Moonsamy’s cellphone just months after she was abducted, has been found guilty of theft and sentenced to a R5000 fine or two years imprisonment.

Business Day TV — Nesan Nair from Sasfin Securities chose Prosus as his stock pick of the day. "You have got to go for Prosus, it certainly looks like the value add is taking place. If you take Naspers, Prosus and Multichoice, which came out of Naspers and you add them all up, you have about R5000 worth of shares in Naspers which has got to be at an all-time high."

Jacaranda FM — Radio veteran and rock musician Martin Bester hosts 'Breakfast with Martin Bester' every weekday morning from 6am to 9am on Jacaranda FM. He starts your morning off with something completely fresh and new. Martin is real, fun and apologetically South African. You'll also find the 'Good Morning Angels with Martin' feature on this channel.

Travel and Documentary photographer Paul Choy joins us in conversation on Orms Air, join the conversation and stand the chance to WIN a pair of Fujifilm KF10-42H Binoculars worth R5000.As a Fujifilm Global Ambassador and a member of the Fujifilm X-Photographer program, Paul is a big fan of Fujifilm's X series of cameras. He has a gear collection to envy shooting on the Fujifilm X-Pro3, Fujfilm X100V and a range of Fujifilm's greatest lenses giving him a creative edge you can see through his imagery. Paul joined us in our digital studio to share his introduction to the art form of photography, the mind-blowing experiences and travels his camera have actioned in his life so far and shared his thoughts on cognitive separation of us and them.To find out more about Paul Choy and his work be sure to have a look at his website and give him a follow on Instagram to go along with him on his travels.To enter our giveaway be sure to get your entries in here.

Maryka Coetzee is op 13-jarige ouderdom met totale nierversaking in ‘n hospitaal in Johannesburg opgeneem. Sy was die hele jaar in die hospitaal en het die dag voor Kersfees haar eerste nieroorplanting gekry. Op haar 22ste verjaarsdag kry sy haar 2de nieroorplanting. Na haar eerste huwelik geweldadig raak vlug sy met haar dogter, Jhanyka na ‘n plek van veiligheid. Daar loop sy ‘n jarelange vriend, Ronnie weer raak. Ronnie het ook nierprobleme gehad en was in dieselfde hospitaal se kinderafdeling as sy. Ronnie help vir Maryka en haar dogter om weer op hulle voete te kom en help Jhanyka om haar regte pa op te spoor en vrede te maak voor haar pa in ‘n gru trok-ongeluk sterf. Maryka en Ronnie is getroud en hulle seuntjie, Bjorn is in 2006 op 29 weke en ‘n skamele 1.6kg gebore. Sy bloeddruk was van geboorte af gevaarlik hoog en toetse wys dat hy een groot en een klein nier het wat swak is. In 2007 het Ronnie baie siek word. Hy was in en uit die hospitaal met nierversaking en toe later ook hartversaking. In 2010 is hy oorlede. Maar Maryka kon nie gaan lê nie! Sy en haar twee kinders het baie rondgetrek om ‘n dak oor hulle kop te probeer behou. Sy ry steeds elke dag bus om by die werk te kom en sal oorleef op koffie sodat haar kinders net nie honger is nie. Bjorn se een nier is intussen in 2014 verwyder en hy is op die vooraand van ‘n hartoperasie volgende week. Hulle wil die gaatjie toemaak en die ander skade probeer regmaak. 2014 is ook die jaar wat 21-jarige Jhanyka ‘n dubbelde beroerte gehad het. ‘n Pragtige jongmens wat op vyf haar pa en op 11 haar stiefpa verloor het en steeds probeer sy sterk wees vir haar ma en daar wees vir haar broer. Sy hou skool by die Jad Jahwe Leersentrum in Pretoria-Wes waar Bjorn ook skoolgaan en dis waar ons hom gaan verras het met ‘n hospitaaltas gepak met warm pajamas en pantoffels aangesien hy dit al as ‘n koue plek leer ken. Ons kon ook vir die gesin ‘n SPAR geskenkkaart en R5000 bydrae gee hetsy vir onvoorsiene uitgawe

You want to invest, but don't know where to start? Whether you have R500, R5000 or R50 000 to invest, the principles remain the same. In this podcast discussion Maya and Mapalo are joined by personal finance blogger StealthyWealth to share their collective wisdom on how to start investing. The bottom line? Just start 

Candice Badenhorst (37) was 19 jaar oud toe sy met ‘n vorm van beenkanker gediagnoseer is. Na 5 sessies chemoterapie het hulle die gewas uitgesny, maar kort daarna was daar weer ‘n knoppie op haar been. Na die opvolgoperasie het die wond nie gesond geword nie en 4 maande voor haar 21ste verjaardag is haar been geamputeer. Die verlies van haar been, 16 jaar gelede, het Candice nog nooit ondergekry nie. Sy het wél een groot droom: Om eendag hand-aan-hand met haar kinders te kan loop... Iets wat sy nog nooit met haar krukke kon doen nie. Candice en haar man Francois het twee seuns – 5 en 7 jaar oud - en hulle, saam met die ondersteuning van haar ma, is die grootste rede hoekom sy nie sal gaan lê nie. Haar briefe aan ons was ook nie vir hulp vir haarself nie. “My ma is die wonderlikste mens. Sy het alles opgeoffer om my beter te kry, skuld aagegaan vir doktersrekeninge en nog baie meer. Sy kan self nie meer werk nie as gevolg van haar gesondheid en bly in ‘n woonstel in ons erf. Al wat ek vra is ‘n bietjie bederf, want sy sal haar laaste gee vir mense al het sy self niks nie.” Ons span het met Candice afgespreek om haar ma by ‘n koffiewinkel te verras. Candice het vir haar ma gesê sy moet gaan vir ‘n werksonderhoud... Danksy Chris van SkinPhD in Mall@Reds kon ons die tannie bederf met ‘n reuse R5000 geskenkbewys vir van hare en naels tot produkte en grimering! Die tannie was so dankbaar en Candice het gedink ons is klaar... Maar toe kom haar man Francois en 2 seuntjies, almal met blomme in die hand en die GROOTfm span met balonne om die hoek en kom staan om die tafel waar Candice se ma nog effens oorbluf voel na die lekker verrassing... En na ons Candice uitgevra het oor haar droom en sy tussen deur die trane probeer verwoord, tree Ben Prinsloo van Prinsloo Ortopedies en Simoné Weyers van Weyers Ortopediese Dienste vorentoe met die nuus dat hulle, in samewerking met ӦSSUR wat die parte voorsien vir Candice.

GROOTfm 90.5 — Candice Badenhorst (37) was 19 jaar oud toe sy met ‘n vorm van beenkanker gediagnoseer is. Na 5 sessies chemoterapie het hulle die gewas uitgesny, maar kort daarna was daar weer ‘n knoppie op haar been. Na die opvolgoperasie het die wond nie gesond geword nie en 4 maande voor haar 21ste verjaardag is haar been geamputeer. Die verlies van haar been, 16 jaar gelede, het Candice nog nooit ondergekry nie. Sy het wél een groot droom: Om eendag hand-aan-hand met haar kinders te kan loop... Iets wat sy nog nooit met haar krukke kon doen nie. Candice en haar man Francois het twee seuns – 5 en 7 jaar oud - en hulle, saam met die ondersteuning van haar ma, is die grootste rede hoekom sy nie sal gaan lê nie. Haar briefe aan ons was ook nie vir hulp vir haarself nie. “My ma is die wonderlikste mens. Sy het alles opgeoffer om my beter te kry, skuld aagegaan vir doktersrekeninge en nog baie meer. Sy kan self nie meer werk nie as gevolg van haar gesondheid en bly in ‘n woonstel in ons erf. Al wat ek vra is ‘n bietjie bederf, want sy sal haar laaste gee vir mense al het sy self niks nie.” Ons span het met Candice afgespreek om haar ma by ‘n koffiewinkel te verras. Candice het vir haar ma gesê sy moet gaan vir ‘n werksonderhoud... Danksy Chris van SkinPhD in Mall@Reds kon ons die tannie bederf met ‘n reuse R5000 geskenkbewys vir van hare en naels tot produkte en grimering! Die tannie was so dankbaar en Candice het gedink ons is klaar... Maar toe kom haar man Francois en 2 seuntjies, almal met blomme in die hand en die GROOTfm span met balonne om die hoek en kom staan om die tafel waar Candice se ma nog effens oorbluf voel na die lekker verrassing... En na ons Candice uitgevra het oor haar droom en sy tussen deur die trane probeer verwoord, tree Ben Prinsloo van Prinsloo Ortopedies en Simoné Weyers van Weyers Ortopediese Dienste vorentoe met die nuus dat hulle, in samewerking met ӦSSUR wat die parte voorsien vir Candice.

Candice Badenhorst (37) was 19 jaar oud toe sy met ‘n vorm van beenkanker gediagnoseer is. Na 5 sessies chemoterapie het hulle die gewas uitgesny, maar kort daarna was daar weer ‘n knoppie op haar been. Na die opvolgoperasie het die wond nie gesond geword nie en 4 maande voor haar 21ste verjaardag is haar been geamputeer. Die verlies van haar been, 16 jaar gelede, het Candice nog nooit ondergekry nie. Sy het wél een groot droom: Om eendag hand-aan-hand met haar kinders te kan loop... Iets wat sy nog nooit met haar krukke kon doen nie. Candice en haar man Francois het twee seuns – 5 en 7 jaar oud - en hulle, saam met die ondersteuning van haar ma, is die grootste rede hoekom sy nie sal gaan lê nie. Haar briefe aan ons was ook nie vir hulp vir haarself nie. “My ma is die wonderlikste mens. Sy het alles opgeoffer om my beter te kry, skuld aagegaan vir doktersrekeninge en nog baie meer. Sy kan self nie meer werk nie as gevolg van haar gesondheid en bly in ‘n woonstel in ons erf. Al wat ek vra is ‘n bietjie bederf, want sy sal haar laaste gee vir mense al het sy self niks nie.” Ons span het met Candice afgespreek om haar ma by ‘n koffiewinkel te verras. Candice het vir haar ma gesê sy moet gaan vir ‘n werksonderhoud... Danksy Chris van SkinPhD in Mall@Reds kon ons die tannie bederf met ‘n reuse R5000 geskenkbewys vir van hare en naels tot produkte en grimering! Die tannie was so dankbaar en Candice het gedink ons is klaar... Maar toe kom haar man Francois en 2 seuntjies, almal met blomme in die hand en die GROOTfm span met balonne om die hoek en kom staan om die tafel waar Candice se ma nog effens oorbluf voel na die lekker verrassing... En na ons Candice uitgevra het oor haar droom en sy tussen deur die trane probeer verwoord, tree Ben Prinsloo van Prinsloo Ortopedies en Simoné Weyers van Weyers Ortopediese Dienste vorentoe met die nuus dat hulle, in samewerking met ӦSSUR wat die parte voorsien vir Candice.

Mauritz Meiring was ‘n hardwerkende gesinsman wat alles in sy vermoë gedoen het om sy vrou, Salomé en twee kinders, Derek (18) en Christelle (15) in alle opgesigte te ondersteun. In 2018 het hy eers sy been by die werk gebreek, toe gangrene in sy linkervoet gekry en later moes sy linkerbeen as gevolg van ‘n groot bloedklont net bo die knie geamputeer word. Hy het sy werk verloor, maar dadelik roomys-ysies van die huis af begin verkoop en naweke, ten spyte van ‘n lomp rolstoel al sy aflewerings gedoen. Salomé se salaris van R5000 was nie genoeg vir hulle gesin se behoeftes nie en almal het ingespring om te help. Tydens die Junie vakansie het Derek saam met sy pa gewerk en Christelle saam met haar ma. Tot die aand van die 15de Julie toe Mauritz so ongeveer 20:30 by die huis gekom het en skielik dood is aan ‘n hartaanval. Dit het hierdie baie hegte gesin geweldig geruk. “Ek probeer my bes om my twee wonderlike kinders gelukkig en veilig te hou. Die verlange is erg en dis baie moeilik sonder ons Pappa, maar Boetie en Sussie staan my ongelooflik by. Ons dank die Vader vir elke dag wat Hy ons spaar vir nog ‘n dag, met ‘n dak oor ons kop en kos om te eet en dan die belangrikste vir die liefde wat ons het in die huis wat Pappa ons geleer het,” sê Salomé. Haar whatsapp status sê steeds: “My man ek mis jou ongelooflik baie… lief jou nog ontsettend baie.” Een vir een breek die eerstes aan sonder hulle pa… Derek se 18de verjaarsdag was op die 24ste Oktober en Christelle se 15de verjaarsdag vandag. Ons wou graag hierdie dag vir hulle gesin so klein bietjie beter probeer maak…

South Africa's most accessible consumer technology podcast tries hard to not talk about the Google Pixel 4 that won't be coming here, laments the state of Cell C, is happy that Standard Bank was stopped from selling dodgy data, and gives you the best sub-R5000 smartphone options for 2019. Also, Gavin raves about Rocketbooks. Best budget phones: http://techmagazine.co.za/best-of-budget-phones-2019/ Rocketbooks: https://getrocketbook.co.za/collections/the-notebooks?gclid=Cj0KCQjw_5rtBRDxARIsAJfxvYDJvunYL3bJ2uChgDYFYCjHh6IfNfU1UihKut-KZDLPICRXoXRq5k0aAnaNEALw_wcB Follow Gavin at https://facebook.com/TechMagazineZA/ Find Lindsey at http://thatopinionguy.co.za or @SharpSchutters on twitter. Email us at overclocked@gmail.com Produced by Lindsey Schutters Music by Lindsey Schutters Mixed on Samsung Galaxy S10 Recorded on iPad Pro + Samson Go Mic

In Mei 2019 is ‘n biopsie gedoen op ‘n groeisel op 36-jarige Jessica Liebenberg se rug. Die chirurg het bevestig dat dit ‘n kwaadaardige melanoom is en aanbeveel dat hulle ‘n groter gedeelte van die tumor uitsny en dan ‘n middel in haar limf spuit wat bepaal of die kanker versprei het. Jessica se werksituasie was onseker in daardie tyd en die eerste kwotasie wat hulle gekry het was meer as R40 000. Jessica is deur Cansa na Triomfkliniek in Pretoria-Wes verwys en daar het Dr Meyer haar dienste aangebied. Hulle moes net self vir die hospitaal en nucleur medisyne betaal wat ‘n bedrag van ongeveer R10 000 was. Jessica se tannie, Sylvia het dadelik die dringendheid van die volgende operasie besef. Sy het die familie begin bymekaar maak en ook vir ons ‘n briefie gestuur met ‘n verduideliking van Clarke level 4 en ‘n versoek of ons nie asseblief kan help met die uitstaande bedrag nie. Die familie het in daardie stadium al R4000 bymekaar gemaak, maar daar was nog ‘n stewige bedrag uitstaande. Jessica het Donderdag 26 September gehoor dat die operasie Dinsdag 1 Oktober by Pretoria-Oos hospitaal sal wees en ons hart was toe om daardie oggend by Jessica in te loer en dan die balans wat nog uitstaande was te betaal, maar teen die Maandagmiddag 16:00 het nog twee familielede ingespring om die laaste gedeelte te skenk. Ons kon Jessica darem so vinnig voor haar operasie sien en ‘n geskenkkaart van SPAR saam met ‘n Faith Durie gebedskussing vir haar gee om haar vir altyd te herinner aan ‘n gemeenskap se omgee. Haar man, Chris het namens hulle gesin en ook hulle twee kinders, ‘n 13-jarige dogter en 8-jarige seun dankie gesê vir almal wat gehelp het. En toe het hulle beide se opregte dankbaarheid vir die R5000 bydrae van Capital Singers, ons almal met ‘n ou groot knop in die keel gelaat... Ons kan almal Chris se woorde beaam: “Daar is nog soveel goeie mense…”

Operation #OkaeMolao by Johannesburg Metropolitan Police Department (JMPD) stopped Chinese nationals who they suspect are in the country illegally. While being interrogated on the spot they confirmed to have paid R5000 for the documents they had in their possession. Operation Okae Molao has uncovered corruption at some testing stations around the city of Joburg. Here is an audio recorded at one of the road blocks....

The biggest challenge in supplementing a parent's retirement income is whether to save in their name or your own. This week, we help Kim and her sister think through their options to help their mother in retirement.  Kim I cannot describe to you how empowering The Fat Wallet Show has been in my life. You have made such a profound impact I can't thank you enough. I grew up in a home with ZERO financial education. Throughout my engineering degree there were no lectures or exposure to the topic of personal financial management.  As a result of your show, I now have a financial strategy for myself, I feel I am in control and I sleep well at night! I can find and read an MDD and understand it, without feeling overwhelmed and confused. A few months ago I struggled to distinguish between financial products, all these names I didn't know - TFSA, RA, ETF etc. Now I can eat them for breakfast :) You have helped me bring a real sense of peace and security into my life and I will always appreciate it. I recommend your podcast to anyone whom I think would find it beneficial.   Her mom is turning 60. She started her discretionary investments late, because she was in a marriage where she didn't have an eye on her finances. When she finally did, she realized she owed SARS a lot of money, which she has paid back.  She has a company pension fund and started saving some money in a tax-free account, but at a very high fee over over 3%.  Kim is concerned that her mother will fall short in her investments based on the rule of 300, by about half. My sister and I want to both invest on behalf of my mother, to improve her circumstances going forward.  I know you have both said go into safe investments as you near retirement, but my mother needs good growth. We can collectively invest a lump sum of R80,000 and then a further monthly sum of R10,000/ month. Invest heavily into local equity.  If the SA market dips / crashes in the next  5 - 10 years, we're screwed. However, if we assume that mom keeps this for a full 10 - 15 years and only withdraws it when she is 70 - 75 yrs old, perhaps it will provide a nice boost for her later.  Invest heavily into foreign equity to avoid a local crash. Is an offshore ETF that invests in international equity still based on the JSE? In the case of an SA Stock Market crash, will this ETF still hold its' selling value ? OR if we want foreign, is it better to invest in USD? We are worried about currency conversion & fees the EE USD option. Invest 50% in equity and 50 % in bonds. If the stock market crashes / SA politics goes south, is there be a risk of the government not being able to repay its' retail bonds? Don't do so much investing on her behalf If both my sister and I focus on building our portfolios, we can reach a point in five yrs where our dividends/ growth can be withdrawn and given to mom. This is of course not the best idea i.t.o. compound interest so more practically we will stop contributing to our investments and pay mom out of our salaries.  My mom has no other assets. Even though it will be a huge drain, my sister and I are considering buying her flat to give her security and reduce her expenses. In a TFSA, if you keep reinvesting your dividends, in addition to your annual contribution, won't you end up exceeding your maximum contribution? If you're in funds that don't pay dividends, your growth will also push above the threshold. I am assuming the limit is on your contribution and not the value of your account? Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Christoff When you invest offshore directly, you only pay CGT on the investment's gain, not on the currency devaluation.  If you on the other hand invest indirectly like with an offshore ETF, you WILL pay CGT on both the investment growth AND the currency devaluation. Lethabo I have an RA and TFSA with the same broker. I have noticed that some of my ETFs in my TFSA had dividend payments (yay!!) but the same ETFs in my RA did not. I am not sure if I am missing something but it just seems kinda strange. How do dividends work with RAs? Brent I have my TFSA ETFs amounts and allocations bedded down. I am now reviewing my provident fund. Is one able to cash out a provident fund and put it into an ETF? Will there be tax implications for the early cash out?  Would it be better to decrease the % contribution and start my own ETF investments on the side. My employer does not contribute towards the provident fund. I don't have an RA. Nicky  In an attempt to diversify my portfolio fully, I thought I would buy some bonds. The fixed rate bond (5 years) is currently at 8.25 % according to treasury website, which is very similar to interest rate offered by Capitec for I think > 100K for 49 month term. Any advantage of the one over the other? How are bonds handled in your estate? How are bonds treated in terms of tax? If no gov retail bonds have no tax advantage, why would people choose them over fixed deposit? I am worried I am missing something as surely the government would tempt people into lending them money by making bonds in some way more attractive than fixed deposit. Keegan Do you guys suggest using an IG account and buying foreign shares listed on other stock markets? or Should I open an online account as a citizen of an EU Country?  What are the tax implications?  I have some extra cash I'd like to invest. The ROI on my investments have been greatest in my business although it is somewhat high risk. Do I reinvest in the business and buy more equipment and try expand or do I look for ways to build up a stronger financial portfolio while I am still young? Rahzia I plucked up the courage to stop two debit orders for an RA that I held at Sygnia and a unit trust at Coronation (which charges -1.74% fees). I wanted to contribute to my tax-free account only. I do contribute to a pension fund with the organisation that I work for (8% employee and 15% employer). My husband and I want to get out of our car and home loan debt within the next six years. We bought the house this year.  The extra money after the debit orders are cancelled will go towards the debt repayments. We do have about 2-3 months worth of expenses as an emergency fund. Is it better to put all money into getting rid of debt and then focus on saving/investing as much as possible thereafter? If we were to do this, it would mean no ETF investing for six years. However, all extra money after the debt has been repaid will go into saving and investing as much as possible. What about the time aspect? If we don't put all the extra money we have into paying debt, we won't meet such an aggressive target of six years to eliminate the debt. Candice My husband and I have historically had a terrible relationship with cash and anything finance-related. We have recently had a baby. My one requirement for having this baby was that we do it debt-free. We are in our last month of paying off debt and then we are free. We don't own our cars (corporate cars) and we currently rent our home. Do I use a broker to start off with or do I try to go at investing on my own and figure it as I go? We both currently have RAs (with the big green company you despise) and medical aid. We have a savings account with 24 hours access for emergencies and a 32-day call.  I would like to get a tax free savings open for our baby now and then stop contributing to the above savings and rather invest the cash elsewhere, but have no idea where to start? How do I know where to invest, what to invest and how to trade? Is it not better to use a broker who can advise better? Anne I managed to save R100,000 in a savings account. Finally got brave enough to transfer the money to my brokerage account. The plan was to buy Satrix Msci World and Satrix 40. Now I'm just staring at the money. What's the best plan? Invest all the money on one day? R5000 per month or per week in each fund? Second question is FNB or Capitec? I earn a salary, have a few debit orders, card transactions draw money once or twice a month and have an emergency fund. Theresa I opened an ETFSA investment account six years ago and have a monthly debit order of R500.   The account is in my seven-year-old grandson's name, but I pay the debit order and his mother is listed as his parent/legal guardian and she has to sign any transaction forms.   I know it would make more sense to contribute to a TFSA, but I don't know what to do with the existing account. Should I sell off R33000 worth this tax year and the rest next year to close the account? My daughter has never declared the ETFSA account to SARS. I'm told I can't contribute directly into a tax-free account unless it's in my name.  I wanted to have a little nest egg for him for later but now I'm thinking there must be a better way to invest for him.  Should I open a TFSA in my name and leave it to him in my will (which would require a trust if he is still a minor when I die) or should his mother open an account for him and pay into it every month from money I give her.   I already assist with his expensive therapy costs every month as she doesn't earn much and I am aware there is a limit of R100,000 allowed before tax is payable on donations.

Martie se gesondheidstryd het 2 weke na haar geboorte begin toe sy ‘n bloedoortapping moes kry. Daar was komplikasies wat Atetose meegebring het en Martie se balans, gehoor en spraak aangetas het. Sy is op 19 jarige ouderdom - 29 jaar gelede - die eerste keer met kanker gediagnoseer: o.a. baarmoederkanker, borskanker, maagkanker tot waar sy die afgelope 4 jaar geen meer vaste kos kan eet nie. In 2018 het die kanker na haar kliere en die res van haar liggaam versprei en verloor sy die gebruik van haar dominante hand, maar sy bly die mees positiewe mens wat jy in jou lewe sal ontmoet. Ons vriende van SPAR het gesorg vir ‘n R1000 geskenkaart, ‘n anonieme borg het gehelp met die koste van ‘n week lange limfdreineringbehandeling vir verligting van haar pyn en met ‘n vinnige oproep na ons vriende van Binnelanders kon ons een van haar groot drome help bewaarheid – ‘n besoek aan die stel van Binnelanders. Hoor bietjie wat het sy en haar vriendin Ria van hierdie belewenis gedink en dan die ekstra goeie nuus: Vision Properties wat R5000 skenk vir Martie se huur!

Martie se gesondheidstryd het 2 weke na haar geboorte begin toe sy ‘n bloedoortapping moes kry. Daar was komplikasies wat Atetose meegebring het en Martie se balans, gehoor en spraak aangetas het. Sy is op 19 jarige ouderdom - 29 jaar gelede - die eerste keer met kanker gediagnoseer: o.a. baarmoederkanker, borskanker, maagkanker tot waar sy die afgelope 4 jaar geen meer vaste kos kan eet nie. In 2018 het die kanker na haar kliere en die res van haar liggaam versprei en verloor sy die gebruik van haar dominante hand, maar sy bly die mees positiewe mens wat jy in jou lewe sal ontmoet. Ons vriende van SPAR het gesorg vir ‘n R1000 geskenkaart, ‘n anonieme borg het gehelp met die koste van ‘n week lange limfdreineringbehandeling vir verligting van haar pyn en met ‘n vinnige oproep na ons vriende van Binnelanders kon ons een van haar groot drome help bewaarheid – ‘n besoek aan die stel van Binnelanders. Hoor bietjie wat het sy en haar vriendin Ria van hierdie belewenis gedink en dan die ekstra goeie nuus: Vision Properties wat R5000 skenk vir Martie se huur!

Cathy van Rensburg het 13 jaar gelede haar projek in Elandspoort begin. Kefilwe Thusano het o.a. 'n kleuterskool, naskoolsentrum en vrouegroep, help minstens 50 gesinne met kospakkies en gee elke dag vir ongeveer 150 mense 'n bord gekookte kos. Toe ons laas week vir Cathy gaan kuier, het Annemarie Pretorius van ons Bloudruk Mediaspan wat self 'n mamma en boonop 36 weke swanger is, gesien dat die kleuters net blokkies het om mee te speel. Sy het in haar hart gevoel om iets te doen, maar geweet as jy selfs net 'n voorstel by GROOTfm 90.5 maak, word dit deurgevoer! Annemarie en haar man, Barend het voelers uitgesteek na hulle verskillende kollegas en hulle seuntjie se Kwetterkousies Kleuterskool en teen gisteroggend kon ons 2 karre stampvol gepak met opvoedkundige speelgoed en wintersklere vir die kleuters vat saam met splinternuwe items vir kunsaktiwiteite en selfs 'n R2000 geskenkkaart vir kruideniersware! Een van ons luisteraars wat al 'n paar jaar lank oorsee werk en self in Pretoria-Wes groot geword het, het weereens met 'n verdere R5000 skenking sy waardering vir die werk wat mense soos Cathy doen, gewys. Ons projekte soos #JouMenseMyMense is nooit net 'n uitstalling om op 'n afstand te bekyk nie, maar 'n uitnodiging om deel te word van dit waarmee ons glo God besig is in ons gemeenskap. Ons is dankbaar vir hoe Annemarie en Barend en elkeen wat hulle ondersteun het asook luisteraars soos Johan se betrokkenheid en bydraes hierdie waardes waarvoor ons staan, lewe gee!

Cathy van Rensburg het 13 jaar gelede haar projek in Elandspoort begin. Kefilwe Thusano het o.a. 'n kleuterskool, naskoolsentrum en vrouegroep, help minstens 50 gesinne met kospakkies en gee elke dag vir ongeveer 150 mense 'n bord gekookte kos. Toe ons laas week vir Cathy gaan kuier, het Annemarie Pretorius van ons Bloudruk Mediaspan wat self 'n mamma en boonop 36 weke swanger is, gesien dat die kleuters net blokkies het om mee te speel. Sy het in haar hart gevoel om iets te doen, maar geweet as jy selfs net 'n voorstel by GROOTfm 90.5 maak, word dit deurgevoer! Annemarie en haar man, Barend het voelers uitgesteek na hulle verskillende kollegas en hulle seuntjie se Kwetterkousies Kleuterskool en teen gisteroggend kon ons 2 karre stampvol gepak met opvoedkundige speelgoed en wintersklere vir die kleuters vat saam met splinternuwe items vir kunsaktiwiteite en selfs 'n R2000 geskenkkaart vir kruideniersware! Een van ons luisteraars wat al 'n paar jaar lank oorsee werk en self in Pretoria-Wes groot geword het, het weereens met 'n verdere R5000 skenking sy waardering vir die werk wat mense soos Cathy doen, gewys. Ons projekte soos #JouMenseMyMense is nooit net 'n uitstalling om op 'n afstand te bekyk nie, maar 'n uitnodiging om deel te word van dit waarmee ons glo God besig is in ons gemeenskap. Ons is dankbaar vir hoe Annemarie en Barend en elkeen wat hulle ondersteun het asook luisteraars soos Johan se betrokkenheid en bydraes hierdie waardes waarvoor ons staan, lewe gee!

Huis Gideon se hoofdoel is die skep van ‘n liefdevolle en veilige omgewing waar getraumatiseerde kinders wat slagoffers van erge mishandeling en verwaarlosing was, geborgenheid en stabiliteit kan vind en sodoende weer kan leer om te vertrou. Die 6 kinders wat hier woon, het almal ouers, maar is weens hulle haglike omstandighede verwyder. Een van die 10-jarige dogtertjies was al in 4 verskillende kinderhuise, maar die een na die ander huis het toegemaak en elke keer moet sy weer van vooraf begin… Die span van Huis Gideon en huisma, René Odendaal, probeer ‘n huis skep wat so na as moontlik aan ‘n normale gesin funksioneer, ten volle geïntigreer in hulle gemeenskap - hulle gaan skool toe en kerk toe, doen huiswerk en speel sport, leer belangrike lewensvaardighede, maar ook hoe om net weer kind te wees en hoe om ‘n lewe van sin en betekenis te leef. “Ons ontwikkel leiers wat doelwitte stel en vorentoe kyk,” sê sielkundige Tia Gruenenfelder, wat op die diereksie van Huis Gideon dien. “ En ook as huisgesin kyk, dink, beplan en werk hulle saam vorentoe ten opsigte van die behoeftes in die huis. Hulle ontvang ‘n minimale subsidie van die staat en skenkings en donasies van kerke en ander organisasies, maar soos gereelde donateurs self begin sente draai en bydraes verminder, moet hulle nog verder sny en nog meer planne maak. Hulle is glad nie bang vir moue oprol en harde werk nie – of dit nou die mooimaak van die tuin is of die fondsinsamelings wat hulle al laas jaar begin het toe hulle besef hulle voertuig is nie meer so betroubaar nie. Hulle is nog nie by daardie doelwit wat nodig is vir die voertuig nie en wil ook nie sien dat water en ligte rekeninge daardie neseiertjie wegvreet nie. Dankie aan ons vriende van SPAR vir die skenking van ‘n duisend rand se kruideniersware en vir ‘n anonieme borg se R5000 bydrae om die tekort van hierdie maand se uitgawes te dek! René sê: “Ek hoop om die kinders eendag hier uit te stuur as warriors, niks hoef hulle terug te hou nie.

GROOTfm 90.5 — Huis Gideon se hoofdoel is die skep van ‘n liefdevolle en veilige omgewing waar getraumatiseerde kinders wat slagoffers van erge mishandeling en verwaarlosing was, geborgenheid en stabiliteit kan vind en sodoende weer kan leer om te vertrou. Die 6 kinders wat hier woon, het almal ouers, maar is weens hulle haglike omstandighede verwyder. Een van die 10-jarige dogtertjies was al in 4 verskillende kinderhuise, maar die een na die ander huis het toegemaak en elke keer moet sy weer van vooraf begin… Die span van Huis Gideon en huisma, René Odendaal, probeer ‘n huis skep wat so na as moontlik aan ‘n normale gesin funksioneer, ten volle geïntigreer in hulle gemeenskap - hulle gaan skool toe en kerk toe, doen huiswerk en speel sport, leer belangrike lewensvaardighede, maar ook hoe om net weer kind te wees en hoe om ‘n lewe van sin en betekenis te leef. “Ons ontwikkel leiers wat doelwitte stel en vorentoe kyk,” sê sielkundige Tia Gruenenfelder, wat op die diereksie van Huis Gideon dien. “ En ook as huisgesin kyk, dink, beplan en werk hulle saam vorentoe ten opsigte van die behoeftes in die huis. Hulle ontvang ‘n minimale subsidie van die staat en skenkings en donasies van kerke en ander organisasies, maar soos gereelde donateurs self begin sente draai en bydraes verminder, moet hulle nog verder sny en nog meer planne maak. Hulle is glad nie bang vir moue oprol en harde werk nie – of dit nou die mooimaak van die tuin is of die fondsinsamelings wat hulle al laas jaar begin het toe hulle besef hulle voertuig is nie meer so betroubaar nie. Hulle is nog nie by daardie doelwit wat nodig is vir die voertuig nie en wil ook nie sien dat water en ligte rekeninge daardie neseiertjie wegvreet nie. Dankie aan ons vriende van SPAR vir die skenking van ‘n duisend rand se kruideniersware en vir ‘n anonieme borg se R5000 bydrae om die tekort van hierdie maand se uitgawes te dek! René sê: “Ek hoop om die kinders eendag hier uit te stuur as warriors, niks hoef hulle terug te hou nie.

Huis Gideon se hoofdoel is die skep van ‘n liefdevolle en veilige omgewing waar getraumatiseerde kinders wat slagoffers van erge mishandeling en verwaarlosing was, geborgenheid en stabiliteit kan vind en sodoende weer kan leer om te vertrou. Die 6 kinders wat hier woon, het almal ouers, maar is weens hulle haglike omstandighede verwyder. Een van die 10-jarige dogtertjies was al in 4 verskillende kinderhuise, maar die een na die ander huis het toegemaak en elke keer moet sy weer van vooraf begin… Die span van Huis Gideon en huisma, René Odendaal, probeer ‘n huis skep wat so na as moontlik aan ‘n normale gesin funksioneer, ten volle geïntigreer in hulle gemeenskap - hulle gaan skool toe en kerk toe, doen huiswerk en speel sport, leer belangrike lewensvaardighede, maar ook hoe om net weer kind te wees en hoe om ‘n lewe van sin en betekenis te leef. “Ons ontwikkel leiers wat doelwitte stel en vorentoe kyk,” sê sielkundige Tia Gruenenfelder, wat op die diereksie van Huis Gideon dien. “ En ook as huisgesin kyk, dink, beplan en werk hulle saam vorentoe ten opsigte van die behoeftes in die huis. Hulle ontvang ‘n minimale subsidie van die staat en skenkings en donasies van kerke en ander organisasies, maar soos gereelde donateurs self begin sente draai en bydraes verminder, moet hulle nog verder sny en nog meer planne maak. Hulle is glad nie bang vir moue oprol en harde werk nie – of dit nou die mooimaak van die tuin is of die fondsinsamelings wat hulle al laas jaar begin het toe hulle besef hulle voertuig is nie meer so betroubaar nie. Hulle is nog nie by daardie doelwit wat nodig is vir die voertuig nie en wil ook nie sien dat water en ligte rekeninge daardie neseiertjie wegvreet nie. Dankie aan ons vriende van SPAR vir die skenking van ‘n duisend rand se kruideniersware en vir ‘n anonieme borg se R5000 bydrae om die tekort van hierdie maand se uitgawes te dek! René sê: “Ek hoop om die kinders eendag hier uit te stuur as warriors, niks hoef hulle terug te hou nie.

I liked the idea of doing a podcast on inheriting a large sum of money. I've dreamed about that kind of good fortune many times, as I'm sure you have. I hope this episode allows you to daydream about the kind of life you would lead if someone left you a small fortune. (Hopefully someone you'll miss fondly, but not deeply. It's hard to be happy about anything with a broken heart.) I've said this before, but the most important question you ever have to answer about your money is, “What do I want my money to do?” If you can't answer that question, your financial life will always feel somewhat unsatisfying. I've written about it here. It's especially important to be armed with the answer to that question when you inherit a small fortune. To be safe, perhaps think of the the answer now. You never know what might happen tomorrow. If you're not sure what you want money for, you'll likely watch it disappear before you can work out your strategy. Ken inherited R3m. Here's his story. Upon hearing you get an unexpected inheritance you really don't know what to do. Googling to look for podcasts really didn't bring up too many good ideas. Most articles very generically state that you need to pay off any debt, pay of your house, have an emergency fund etc etc etc. I'm in my early 30s. I'm self-employed. At this stage I'm single, no children so I don't have to take anyone else into consideration. I earn a decent salary, I have no debt. I despise debt and was raised in a house where debt was the sworn enemy. Even buying my house a few years ago I felt sick that I had to borrow money. My house is paid off.  Obviously there are maintenance costs and levies, but I'd rather do this than pay off a bond. I have money invested in Satrix. I only started contributing to ETFs and not just my RA about two years ago. Before that I made some lump sum deposits when I could. Due to trying to diversify I now own way too many different ETFs, but I'm now more focused on why I buy certain ETFs. I have an RA with a life insurer (not 10x at this stage). I have an emergency fund in an interest-bearing 24hr notice account. I'm currently saving for a new car in a multi-deposit fixed term savings account at Capitec with 7.6% interest. I don't intend buying a new car with the inheritance. I drive what you'll call a “sensible car”. I lead a pretty simple life. Fat Wallet has definitely reminded me that keeping your costs down is the best investment you will ever make. I do have a few vices that money gets spent on but I've been fortunate to do so over the last few years. I intend for the inheritance to provide me with lasting security. Most of it will be invested and I will continue to rely on my own financial strategy (which is basically ETFs) to build my wealth. I will probably spend about R200,000 of it on a trip of a lifetime - this is ridiculous, but given my circumstances I feel it can be justified. I'm thinking a lot about offshore investments due to the current conditions and political uncertainty in our country. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the week: Jenny Pigeon, who wrote back in episode 92. She got in touch with her friend and advisor after that episode and managed to renegotiate her fees. “My advisor subsequently dropped her initial fee and halved her annual fee. So this was a good outcome for me.” But she wrote us a great email that made my day: I've started a happiness journal and there is a 21 day instruction to send out letters to friends and people that have had a positive effect on your life. It struck me that my happiness levels have really moved up since I have become a regular listener. I think the reason is the sense of empowerment, enthusiasm and curiosity  that this kind of information imparts. You and Simon turn dry subject matter into something very digestible. Thank you for making a positive contribution to my happiness. Gerhard's wife is about to become an entrepreneur. They are trying to figure out what to do about her pension. My wife is leaving the comfort of a steady income and starting her own thing. She has a pension with her current employer. When she leaves her job that pension will be paid out to her; what in your opinion will be the best option? Here is the list of what we have made while lying in bed awake at three in the morning:       Pay of our debt and start the new adventure with a clean slate       Use that money it to fund the start-up       Open an Easy Equities account for her and save it in RA Carel wants to know where his fees go when he buys a share. What are the transaction fees when doing a trade on the JSE? Does all of it go to JSE? Is JSE Ltd a private company, i.e. would they charge as much as the market would allow, or are there other factors involved? I personally think that transaction fees are the biggest barrier to entry to the JSE. How much of this is physical labour (infrastructure maintenance) and how much of it is just settlement trust? Francois wants to know if it's worth moving an RA for a few percentage point saving. I am wondering if it's worth changing my RA provider again? I'm currently with etfsaRA, paying 1% fees. Easy Equities RA charge 0.6% exl. Vat. Will it be worth changing to save 0.3% on fees? Will I pay a penalty if transferred? A few years ago I section 14 transferred from Sanlam RA to etfsaRA (after listening to Simon). They penalised me, but well worth the saving in fees. Here's the spreadsheet Hendrik made for us to help you figure it out. Miles is upset about fee sliding scales. Why do the likes of Allan Gray, PPS, 10x and most other fund managers charge lower platform fees the more the client invests? Surely the admin will be the same for a R100,000 client and a R3,000,000 client? So prejudiced IMHO. They have us by the proverbial genitals  and it really makes me the moer in. Greg has been paying over 4% for his Sanlam RA, so he decided to move it. When he requested the move, they refused to move the last contribution he made. This week I broke the news to my Sanlam RA "financial advisor" that I want to transfer to 10x. I was given a quote. Surprisingly it said there's only a 0.13% about transfer charge, but my previous monthly contribution of R5000 was also outstanding. I queried why this R5000 was deducted and they said it had been received, but did not yet reflect on the system due to the general standard 25 days clearance period and that it would not be deducted from my transferable amount. I could be wrong, but 25 days clearance period just sounds like taking the piss, to me. So I asked them to then amend the quote to therefore say that this R5000 will not be deducted from my transferable amount. They said they can't do that since the system does not give them that option and "let's see mid next with a new quotation." Jaco is earning dollars abroad. He's got some offshore accounts and local accounts. I have Isle of Man account and transfer most of money into this account. I still have monthly obligations in SA and have to transfer some money to SA. My financial situation is as follows: I have two paid-off properties from which I earn a monthly income. I have a TFSA for both me and my wife. I have dollars invested in the Prescient Global Funds (Integrity) in an offshore account in Ireland through SA Integrity Asset management I have money invested with Allan Gray in various unit trusts. I have dollars in Sasfin offshore funds I have two RAs - OM and Sanlam. I also have some rands in shares, but feel that I need to get out of it. The money in Isle of Man account will be invested into the First world hybrid real estate fund through Marriott The other money I want to invest offshore, but not through a broker in SA. I am interested in investing with Vanguard World - It appears to be a great fund and everyone invests in it. How do I invest in this fund from Saudi Arabia? I want to buy Apple shares but don't know a broker overseas - any advice? I am not paying income tax at the moment apart from the tax on the rental income. Other income is not taxable at the moment due to me being out of the country. How do I invest the rest of the income I have in the Isle of man account? Any other advice on how and where to invest would be appreciated. This is the Moneyweb article I was referring to in the podcast.  Ian has made some great changes to his personal portfolio since listening to the show. He's considering a few more and wants to know if he should have a pension fund and a provident fund or just one or the other. The funds are both administered by the same company, and our group requires us to be on them so I can't move. Nipun has some ETFs in the US and has questions about the impact on his estate. I have a Webtrader account with Standard Bank and have purchased USD denominated ETFs listed in the US in this account. Would estate taxes be paid for this investment in SA or US & the rate of tax? I understand that assets over $60000 are taxed in the US. Do I require a Will in the US or is my SA Will applicable? What's the most tax efficient way to invest offshore, can I continue with Webtrader of find another vehicle for investments?

GROOTfm 90.5 het op 23 Julie ons #handsakvolliefde Vrouedagprojek saam met voormalige Mev. Suid-Afrika, Lynne de Jager, Bella Tydskrif en Menlopret afgeskop. Ons maak handsakke bymekaar wat ons volmaak met “liefde” in die vorm van shampoo, ‘n sepie en ‘n waslap, tandepasta, ‘n tandeborsel en roll on en - as jy wil - dalk ‘n ekstra bietjie liefde van lip ice, kougom, sneesdoekies, ‘n haarborsel of kam en ‘n hangertjie of serp! Ons eerste mikpunt is om 100 handsakke te pak wat ons op 7 Augustus tydens ‘n lekker koek-en-tee kuier saam met die mammas van Booysens Beertjies Kleuterskool in Pretoria-Wes sal uitdeel! Retha Ingenbleek van SPAR Northrand het sommer dadelik 100 opknappers en 100 onderarmrolle te waarde van R5000 geskenk plus Lindie Strydom het by Monumentpark Superspar gaan kyk hoeveel hierdie 10 items sal kos as jy ‘n handsak sou pak!

GROOTfm 90.5 het op 23 Julie ons #handsakvolliefde Vrouedagprojek saam met voormalige Mev. Suid-Afrika, Lynne de Jager, Bella Tydskrif en Menlopret afgeskop. Ons maak handsakke bymekaar wat ons volmaak met “liefde” in die vorm van shampoo, ‘n sepie en ‘n waslap, tandepasta, ‘n tandeborsel en roll on en - as jy wil - dalk ‘n ekstra bietjie liefde van lip ice, kougom, sneesdoekies, ‘n haarborsel of kam en ‘n hangertjie of serp! Ons eerste mikpunt is om 100 handsakke te pak wat ons op 7 Augustus tydens ‘n lekker koek-en-tee kuier saam met die mammas van Booysens Beertjies Kleuterskool in Pretoria-Wes sal uitdeel! Retha Ingenbleek van SPAR Northrand het sommer dadelik 100 opknappers en 100 onderarmrolle te waarde van R5000 geskenk plus Lindie Strydom het by Monumentpark Superspar gaan kyk hoeveel hierdie 10 items sal kos as jy ‘n handsak sou pak!

East Coast Radio — We discuss Video Assistant Referees, Nedbank Cup final and Bruce Bvuma's alleged R5000 monthly salary.

We talk to Quentin Harley, the "crazy inventor" behind the locally built Morgan 3D Printers This episode is brought to you by OfferZen, a South African recruitment startup for developers. OfferZen inverts the normal recruitment process. Instead of applying for jobs, 350 tech companies in Cape Town, Johannesburg and Pretoria, send developers interview requests with upfront salary info. For developers it’s completely free to signup and use. In fact, you get R5000 if you take a job through them. Visit offerzen.com to sign up. Kenneth & Len chat to Quentin about the how the Morgan 3D printers came to be, building the impossible in 2 weeks, and how to the unique form factor of the Morgan came about in a dream! Quentin shares a lot of fascinating insights into the history of the printer and demystifies a lot of terms for us, including how you measure print quality & resolution, different types of filaments, the technology behind these printers, open sourcing the hardware and how 3D printing as a whole can be scaled up to the point of printing buildings. We also learned that the popular PLA filament is organic and a fully renewable material! Find and follow Quentin & the Morgan 3D printers online: * https://twitter.com/QuentinHarley * http://www.morgan3dp.com/ * https://github.com/qharley * https://github.com/RepRapMorgan Here are some resources mentioned in the show: * House4Hack - http://www.house4hack.co.za/ * E3D-v6 Hotend - http://e3d-online.com/E3D-v6 * XTC-3D - https://www.smooth-on.com/product-line/xtc-3d/ * RAPDASA - http://www.rapdasa.org/ * GAP (Gauteng Accelerator Program) - http://www.theinnovationhub.com/opportunities/gap-innovation-3 * Thingiverse - https://www.thingiverse.com/ * OpenSCAD - http://www.openscad.org/ * RapCAD - https://github.com/GilesBathgate/RapCAD * SketchUp - http://www.sketchup.com/ * Inventor - https://www.autodesk.co.za/products/inventor/overview * Simplify3D - https://www.simplify3d.com/ * MakerCon - http://themakerspace.co.za/makercon/ And finally our picks Len: * OneOps by WalmartLabs - http://oneops.com/ * Electrode - http://www.electrode.io/ Kenneth: * Art of Synergy - http://www.artofsynergy.co.za/ Thanks for listening! Stay in touch: * Website & newsletter - https://zadevchat.io * Socialize - https://twitter.com/zadevchat & http://facebook.com/ZADevChat/ * Suggestions and feedback - https://github.com/zadevchat/ping * Subscribe and rate in iTunes - http://bit.ly/zadevchat-itunes

We talk to Kevin Trethewey about his history and building up Driven Alliance and putting people before technology. This episode is brought to you by OfferZen, a South African recruitment startup for developers. OfferZen inverts the normal recruitment process. Instead of applying for jobs, 350 tech companies in Cape Town, Johannesburg and Pretoria, send developers interview requests with upfront salary info. For developers it’s completely free to signup and use. In fact, you get R5000 if you take a job through them. Visit offerzen.com to sign up. Kevin Trethewey is one of the pillars of the local software development community, and has built up a great company and a talented team at Driven Alliance. We had Kevin on the show before talking about the Spine Model. This time round we learn more about his history, how Driven got formed, and the kind of thinking behind building the company. We hope you enjoy the show and learn as much from Kevin as we did. Find and follow Kevin & Driven Alliance online: * https://twitter.com/KevinTrethewey * https://twitter.com/DrivenAlliance * http://drivenalliance.com/ And finally our picks Kenneth: * Code Retreat - https://www.meetup.com/coderetreat Kevin: * Google Cloud Platform - https://cloud.google.com Chantal: * Have I been pwned? - https://haveibeenpwned.com/ * KeyPass - http://keepass.info/ Kevin Trethewey: * Scott Adams: How to Fail at Almost Everything and Still Win Big - http://blog.dilbert.com/post/102964983301/how-to-fail-at-almost-everything-and-still-win Thanks for listening! Stay in touch: * Website & newsletter - https://zadevchat.io * Socialize - https://twitter.com/zadevchat & http://facebook.com/ZADevChat/ * Suggestions and feedback - https://github.com/zadevchat/ping * Subscribe and rate in iTunes - http://bit.ly/zadevchat-itunes

Live from DevConf 2017! Four conversations on the day. This episode is brought to you by OfferZen, a South African recruitment startup for developers. OfferZen inverts the normal recruitment process. Instead of applying for jobs, 350 tech companies in Cape Town, Johannesburg and Pretoria, send developers interview requests with upfront salary info. For developers it’s completely free to signup and use. In fact, you get R5000 if you take a job through them. Visit offerzen.com to sign up. Kenneth & Len were invited to DevConf 2017 to cover the day. Kenneth got four recordings in for the show while Len worked the floors and collected stories we shared on the day via social media. We hope you enjoy these conversations! - On bad computers and other things The first interview is with Rebecca Franks & Terri Burns about their presentations. It is rumoured Rebecca had people standing in the passages! Terri delivered a great keynote on algorithmic biases and what we should watch out for as developers. Resources: * https://twitter.com/riggaroo - Rebecca on Twitter * https://twitter.com/tcburns - Terri on Twitter * https://speakerdeck.com/riggaroo/android-things-the-iot-platform-for-everyone - Rebecca's slides * https://techspeak.email/ - Technically Speaking * https://developer.android.com/things/index.html - Android Things - Melting PI's Second is a chat with Gareth Stephenson about his Raspberry PI compute cluster, why and how he built it and how you too can get started with Raspberry PI's. Resources: * http://www.twitter.com/GarethStep - Gareth on Twitter * https://github.com/garethstephenson - Gareth on GitHub * http://netdev.co.za/blog/cluster-computing-using-apache-spark-on-raspberry-pis/ - Slides - In through the open window Matt Cavanagh from RogueCode delivered a chilling talk on responsibly breaking into systems and working with the owners to plug the holes. If you got a message from Have I Been Pwned about the Ster-Kinekor breach, thank Matt. Resources: * http://www.twitter.com/roguecode - Matt on Twitter * http://blog.roguecode.co.za/sterkinekor-vulnerability-download-millions-accounts - Blog post on the Ster-Kinekor hack in detail * https://haveibeenpwned.com/ - ';--have i been pwned? - Meet the makers Last, and definitely not least, a longer chat with organisers Candice Mesk and Robert McLean on how they pulled it off and what DevConf means for them. As is tradition, there was an aircon failure too! They hint to the possibility of another location next year to broaden the reach, and you'll need to listen to find out where. * https://twitter.com/rmaclean - Robert on Twitter * https://twitter.com/candicemesk - Candice on Twitter Find and follow DevConf online: * https://twitter.com/devconfza * https://facebook.com/pg/devconf - Including 500 photos on the day * http://www.devconf.co.za * https://onedrive.live.com/?authkey=%21ALSlbGe_qlfi-vs&id=84DD6CE2DA273835%21543757&cid=84DD6CE2DA273835 - Most of the slides Thanks to the DevConf team for hosting us and encouraging us to shove microphones into willing faces! Thanks for listening! Stay in touch: * Website & newsletter - https://zadevchat.io * Socialize - https://twitter.com/zadevchat & http://facebook.com/ZADevChat/ * Suggestions and feedback - https://github.com/zadevchat/ping * Subscribe and rate in iTunes - http://bit.ly/zadevchat-itunes

We venture out into Python country only to discover a healthy, diverse and growing community. This episode is brought to you by OfferZen, a South African recruitment startup for developers. OfferZen inverts the normal recruitment process. Instead of applying for jobs, 350 tech companies in Cape Town, Johannesburg and Pretoria, send developers interview requests with upfront salary info. For developers it’s completely free to signup and use. In fact, you get R5000 if you take a job through them. Visit offerzen.com to sign up. Chantal, Kenneth & Kevin are joined by Simon Cross, Neil Muller and David Sharpe to talk about the popular PyCon ZA conference and the local Python community in general. Together this experienced, yet humble trio organize PyCon and are involved in various other local Python communities. Simon has a decade of Python under his belt, worked on the Square Kilometer Array and is currently based at Praekelt. Neil is the organizer of the Cape Town Python User Group (CTPUG) and works on medical image processing systems. David started off as an electrical engineer and embedded C programmer and has since "crossed over to the dark side" (his words) as he started using Python more and more. Despite the technical difficulties of recording this show, it is packed with amazing content and well worth your time. Follow Simon online: * https://twitter.com/hodgestar * http://hodgestar.za.net * https://github.com/hodgestar Follow Neil online: * https://github.com/drnlm Follow PyCon ZA online: * https://za.pycon.org/ * https://twitter.com/pyconza Here are some of the other great community projects listed in the show: * Cape Town Python User Group - https://ctpug.org.za/ * Gauteng Python User Group - https://www.meetup.com/Gauteng-Python-Users-Group/ * Software Carpentry - https://software-carpentry.org/ * Django Girls - https://djangogirls.org/ And finally our picks Kevin: * 144Hz monitors for gaming * Ubuntu Desktop Linux - http://www.ubuntu.com Chantal: * TYCHO - http://tychomusic.com/ Kenneth: * The Hundred-Foot Journey - http://www.imdb.com/title/tt2980648/ * FOKOFPOLISIEKAR - http://www.fokofpolisiekar.co.za/ * Rokoff CD+DVD * MK Hoordosis Simon: * Conflict-free Replicated Data Type, or CRDT - https://en.wikipedia.org/wiki/Conflict-free_replicated_data_type Simon & Neil: * Sphinx documentation - http://www.sphinx-doc.org/ * Read the Docs - https://readthedocs.org/ David: * Radiooooo - http://radiooooo.com/ Thanks for listening! Stay in touch: * Website & newsletter - https://zadevchat.io * Socialize - https://twitter.com/zadevchat & http://facebook.com/ZADevChat/ * Suggestions and feedback - https://github.com/zadevchat/ping * Subscribe and rate in iTunes - http://bit.ly/zadevchat-itunes

NUUS Lekota kry R5000 boete vir vinnigry Hoerskool Ermelo se appel van die hand gewys vir Afrikaans alleen onderrig Top skerpioen gearresteer vir dronkbestuur - saam met bendebaas Diana - ongeluk: lyfwag vertel hof hy onthou niks nie JURIESAAK Moet Kuruman oproermakers skuldig wees aan strafbare manslag EN openbare geweld? ANDER SAAK Die Appelhof le die reg neer wanneer beslag gele kan word op 'n voertuig as straf vir verkeersoortreding

NUUS Lekota kry R5000 boete vir vinnigry Hoerskool Ermelo se appel van die hand gewys vir Afrikaans alleen onderrig Top skerpioen gearresteer vir dronkbestuur - saam met bendebaas Diana - ongeluk: lyfwag vertel hof hy onthou niks nie JURIESAAK Moet Kuruman oproermakers skuldig wees aan strafbare manslag EN openbare geweld? ANDER SAAK Die Appelhof le die reg neer wanneer beslag gele kan word op 'n voertuig as straf vir verkeersoortreding