Podcasts about r90

Eskom has threatened to shut down the City of Ekurhuleni due to unpaid debt. The power utility says it's about to extend power cuts due to unpaid electricity bills. According to Eskom, the Ekurhuleni Metropolitan Municipality currently owes over R2.3 billion, excluding its current account of a further R1.5 billion, which will become due on the 7th March 2025. Eskom says it has tried all avenues to accommodate the city, but it has now reached the point where it can no longer do so. Eskom is currently sitting with R90 billion in debt owed to by municipalities. Jon Gericke spoke to Ekurhuleni city's MMC for finance Jongizizwe Dlabathi

In this episode of the Sunday Show with BizNews, Neil de Beer, the President of the United Independent Movement (UIM), slams Deputy President Paul Mashatile for not declaring a diamond gifted to his wife by Ponzi accused Louis Liebenberg; warns that Democratic Alliance Federal Chair Helen Zille knows where's the nuclear button to implode the Government of National Unity (GNU); and calls President Cyril Ramaphosa “spineless, gutless” and without backbone,”watermelons” and “rugby balls” for redeploying Minister Thembi Simelane. Discussing the deportation this weekend of the killer of former South African Communist Party (SACP) leader Chris Hani, De Beer comments on speculation that it was an “inside job” and that some members of the African National Congress (ANC) were part of a plot to use the Right Wing to dispose of him. He also expresses outrage over the costly training of Gauteng Premier Panyaza Lesufi's “AmaPanyaza” who are “suddenly goose-stepping in the format of Russia and of China”. As for the R90 billion rand municipal debt to ESKOM, De Beer warns: “if we don't get corporate, economic, soluble good governance in the municipal areas, we are dead. We are not going to make it.”

Spazawinkels moet sluit, en binne 21 dae geregistreer wees. 'n Kritieke tekort aan lugverkeerbeheer-beamptes stel die lugruim in gevaar. 'n R90 miljoen opgeradering van die Wits-planetarium bied besoekers 'n asemrowende ervaring.

Power utility Eskom THIS WEEK announced unprecedented plans to interrupt power supply to the City of Johannesburg at certain pre-determined times of the day from next month, citing City Power's failure to pay R4.9-billion in arrears. If Eskom goes ahead with it's plans, that will leave hundreds of thousands of households in South Africa's largest city in the dark even when many of them are fully paid up customers with City Power or have pre-paid meters. When metros or municipalities fail to pay Eskom on time or at all, it forces Eskom to borrow additional money at premiums to fund operational costs, particularly as the country's municipal debt arrears to Eskom stands at R90-billion. The power utility is expected to announce a decision on the intended electricity interruptions in the middle of December. The Organisation Undoing Tax Abuse - OUTA - plans to submit written representations on the matter. Bongiwe Zwane spoke to  OUTA  Executive Director, Advocate Stephanie Fick 

In this episode, host Mamello Mosiana dives deep into Zimbabwe's latest corruption scandal involving the Zimbabwean Electoral Commission (ZEC). The Zimbabwe Anti-Corruption Commission is investigating a shocking case of money laundering and abuse of office, centered around an over-inflated tender by South African firm Renform and the politically connected businessman Wicknell Chivayo. Leaked audio and documents reveal outrageous price inflation, with R23 million invoiced for a server worth just R90,000, highlighting a staggering 235% cost escalation. This case shines a harsh light on the pervasive state capture and corruption plaguing Zimbabwe's procurement processes. Join Mamello as she speaks with Owen Gagare, editor at News Hawks, and Michael Marchant, Head of Investigations at Open Secrets, to unpack the intricate details of this scandal. Together, they explore the implications for Zimbabwe's future and the fight against corruption. Research by Nick Donovan and Michael Marchant. Learn more about this story Open Secrets is a non-profit organisation, we do not accept funding from governments or corporations. Instead, we rely on support from generous support of individual donors and partner organisations to fund our work. Donate here to support Open Secrets.

Chapter 1What is SleepIn the intriguing book "Sleep" by Nick Littlehales, readers are invited to rethink their approach to rest. Littlehales, a sports sleep coach, dismantles the traditional eight-hour sleep myth and introduces the revolutionary concept of the sleep cycle system. The R90 technique, as he calls it, suggests personalizing cycles to vastly enhance the quality of sleep. Not only does the book dive into how to structure these cycles, but it also offers practical tips on creating the ideal sleep environment and habits, influenced by Littlehales' work with top athletes. This engaging guide transforms sleep from a nightly challenge into a dynamic performance tool, promising readers not just rest, but rejuvenation and peak human performance. Whether you're a professional athlete or a usual worker, "Sleep" unlocks the secrets to turning rest into your greatest ally.Chapter 2 Meet the Writer of SleepNick Littlehales, in his discourse on sleep, effectively employs a clear, engaging, and persuasive writing style to discuss its significance. His language is accessible yet authoritative, ensuring that concepts relating to sleep science are comprehensible to a broad audience. Littlehales often uses vivid imagery and practical examples, enhancing the relatability and impact of his messages. This approach not only helps in conveying the intricate details of sleep mechanics but also emphasizes its pivotal role in overall health and well-being. His ability to intertwaddle personal anecdotes with scientific data adds a personal touch that connects with readers, making the subject matter resonate on a deeper emotional level.Chapter 3 Deeper Understanding of SleepSleep, a universal and essential human activity, has profoundly influenced literature, culture, and society in various ways. Influence on Literature:Sleep has been a significant theme in literature across centuries and has often been used metaphorically to explore subjects like death, ignorance, and oblivity, or rejuvenation, and enlightenment. 1. Shakespeare's works often delve into the theme of sleep, from the chaotic sleep patterns in "Macbeth," symbolizing guilt and torment, to the rejuvenating sleep in "A Midsummer Night's Dream" that resolves the play's conflicts and symbolizes renewal. 2. Romantic poetry such as by Samuel Taylor Coleridge or John Keats often equates sleep to a state of peace or escapism, reflective of their larger themes of nature and sublime experiences.3. Modern literature sees sleep as both a plot and a narrative device. For example, in science fiction, sleep is explored in the context of suspended animation (cryosleep) in interstellar travel narratives. Influence on Culture:Cultural perceptions of sleep have shifted significantly throughout history and differ markedly across societies:1. Ancient cultures such as in Greece and Rome had divinities dedicated to sleep, like Hypnos, emphasizing its importance to the human condition.2. Industrial Revolution marked a drastic change in sleep patterns as societies adopted a more regimented time structure to suit factory work schedules, moving away from the segmented sleep patterns of pre-industrial times.3. 21st-century technology and culture face challenges like blue light from screens affecting sleep cycles, yet there's a growing cultural trend emphasizing the importance of sleep, evidenced by the rise in popularity of sleep trackers and a market surge in products like weighted blankets and specialized mattresses aimed at improving sleep quality. Impact on Society:1. Psychological and Health Implications: Contemporary research underscores sleep's critical role in memory retention, emotional regulation, and cognitive abilities, influencing educational approaches and workplace policies.2. Productivity and

Let's talk about alarm clocks, they're the melody we wake up and get the day started with, there is the tricky button that comes with an alarm clock…the snooze button.  Producer Liam was looking for an app for an alarm clock that doesn't let you hit snooze and he might have found it. “Wake Or Donate” alarm clock let's you hit that snooze button but when you do you donate $5 (R90) every time.  See omnystudio.com/listener for privacy information.

This audio is brought to you by Wearcheck, your condition monitoring specialist. Northern Cape mining company Copper 360, which listed on the Alternative Exchange of the Johannesburg Stock Exchange this year, took yet another leap forward on Wednesday with the announcement that it had acquired a brand new production-doubling copper processing plant next to its own central processing facility, which is about to be commissioned. "The acquisition of Nama Copper as a paradigm shifter," was Copper 360 CEO Jan Nelson's comment to Mining Weekly on a Zoom interview. (Also watch attached Creamer Media video.) This is because Copper 360, which is focused on the processing of historical mined copper rock dumps, through a procedure of environmental clean-up, and the mining of surface and shallow copper resources, gets a brand new processing plant right next door its own plant. Located adjacent to Copper 360's operations in Nababeep, Nama Copper has historically processed copper slag through a sulphide flotation plant that is almost an exact replica of the modular flotation plant that Copper 360 is currently constructing. "By buying an operating plant, there are no longer construction and commissioning issues. The plant's already there, it runs, it immediately adds to the revenue, and it will ensure that we can pay our shareholders a bigger dividend," said Nelson. The plant being acquired has a capacity to treat 20 000 t of copper sulphide ore a month at recoveries of between 88% to 92%. While it has been treating slag, it can treat sulphide concentrate. "It's got a brand new mill. We know the plant quite well and its virtually the same as the one we're building. The thing that stands out is that we get a plant that is ready to produce from tomorrow," Nelson enthused. In having the capacity to double production, it is poised to double revenue as well. "The revenue we were planning to make in 2026 financial year, we're now going to make next year because of this plant," Nelson added. The revenue of R2.2-billion planned for financial year 2026 will now be able to be delivered in financial year 2025. Nama Copper's slag operations have become uneconomical and it has not been able to replace the slag with economically viable sulphide ore resources. Coming with the deal is a large land area, as well as almost 22-million tons of tailings with a copper content of between 0.3% and 0.6% copper. Copper 360 and Mazule Resources, the shareholder of Nama Copper, have entered into an agreement to acquire all the shares and claims in Nama Copper for of R200-million. An impressive part of the transaction is that Copper 360 has signed an offtake agreement with an associate company of the seller, which is an offtaker of copper. "We've signed an offtake agreement with them on very favourable economic terms," Nelson disclosed. The offtake will be from the plant being acquired. In addition, Copper 360 is also getting the benefit of a R50-million working capital facility. Mining Weekly: How do you intend to fund this acquisition? Nelson: We're finalising two major debt agreements that we'll guide the market on in due course. There won't be any dilution to shareholders in terms of funding this acquisition. It will be debt. We have no debt on the balance sheet and we're just finalising those agreements as we speak. They will provide the necessary capital to fund this acquisition. But what shareholders must also remember is that when the two plants are in full operational mode in February, the company will be generating between R70-million and R90-million of revenue a month, so there's also significant cash flow that will come to the party, but the debt arrangements we put in place will ensure we can fund this. Why do you see the acquisition of Nama Copper as a paradigm shifter for Copper 360? The reason we see it as a paradigm shifter is because the Nama Copper property is contiguous and adjacent to our central processing facility at Nababeep. With this acquisi...

COMRADES 2023  In 17 days, over 400 athletes from South Africa and around the world will aspire to be inducted into the Comrades Marathon Green Number Club. Since 1921, a total of 13,626 runners have completed the epic ultramarathon more than ten times each, thus earning their place on the coveted Comrades Green Number Roll of Honour.  2354 international runners from 84 countries are entered into this year's Comrades Marathon with the lion's share of athletes coming from India with 403 athletes, Zimbabwe with 255, United Kingdom with 224, USA with 173 and Brazil with 142 runners.  In line with the Comrades Marathon Association's (CMA) commitment and promise to runners and the media to restore the prize money back to the levels before the Covid-19 pandemic struck, the CMA is pleased to announce that this year's prize purse will be a substantial R4.31-million, effectively a 90% increase on last year's R2.27 million.  This represents nearly a doubling of last year's 1st prize from R260.000 to R500.000 with 2nd and 3rd overall showing similar increases; from R130.000 to R250.000 for 2nd and R90.000 to R180.000 for 3rd position.

Stephen Saad, CEO at Aspen on their half-year profits dropping by 15%, their plans to expand their manufacturing capabilities and going off the national grid.     Roy Bagattini, CEO at Woolworths Group on being hamstrung by the country's power crisis, which has cost the retailer R90-million for the first six months of the year. He also spoke about their overall financial performance for the first half of the year.    Then, Emrie Brown, seasoned investment banker and CEO of RMB was a guest on our shapeshifter feature. She discussed climbing the corporate ladder to now being at the helm of RMB.See omnystudio.com/listener for privacy information.

Terwyl ons gesels met ‘n mamma en vrou wat tans baie swaar dra, omsien na vyf familie-lede en opofferings ten koste van haarself maak, sit ‘n pappa en huil, ‘n skoonma wat ondersteun, haar eie ma wat bedlêend is as gevolg van dementia en diabetes, en ‘n 12-jarige wat vir sy eksamen leer…Ashleigh van Dyk het ‘n hulpkreet aan ons gerig nadat haar man, Etienne, nie net sy werk tydens Covid verloor het nie, maar sy eie besigheid moes prysgee nadat hy twee beroertes gely het. Ashleigh van Dyk, haar man Etienne, hulle seun Owen, skoonma en Ashleigh se ma is in nood gedompel. Ettiene, wat die broodwinner was, vat elke dag stap vir stap in sy pad na genesing na hy in September-maand vier beroertes gely het. Hulle mediese onkostes strek bo R90 000, maar hulle het ‘n dak bo hul koppe. Vyf mense is afhanklik van hierdie veilige vesting, en hulle huur is ook agterstallig. Ettiene het al baie vordering getoon, en loop nie meer met sy kierie nie. Dokters-verslae toon ook geen tekens van brein- of permanente skade nie, alhoewel hy weer van voor af moet leer loop en praat. Hulle ontdek ook vier bloedklonte. Ons is dankbaar vir Ashleigh se inkomste, wat skaars die maandelikse elektrisiteit en kruideniersware kan dek. Sy is moeg en moedeloos, maar verklaar die heeltyd dat “die Here in beheer is”. Hulle gesin is ‘n gelukkige gesin, en hulle besef die pad na genesing en herstel is nog lank. Hulle is dankbaar vir mekaar, vir elke mens wat deelvorm van hulle ondersteuningsnetwerk. GROOTfm 90.5 het gaan kuier…

Terwyl ons gesels met ‘n mamma en vrou wat tans baie swaar dra, omsien na vyf familie-lede en opofferings ten koste van haarself maak, sit ‘n pappa en huil, ‘n skoonma wat ondersteun, haar eie ma wat bedlêend is as gevolg van dementia en diabetes, en ‘n 12-jarige wat vir sy eksamen leer…Ashleigh van Dyk het ‘n hulpkreet aan ons gerig nadat haar man, Etienne, nie net sy werk tydens Covid verloor het nie, maar sy eie besigheid moes prysgee nadat hy twee beroertes gely het. Ashleigh van Dyk, haar man Etienne, hulle seun Owen, skoonma en Ashleigh se ma is in nood gedompel. Ettiene, wat die broodwinner was, vat elke dag stap vir stap in sy pad na genesing na hy in September-maand vier beroertes gely het. Hulle mediese onkostes strek bo R90 000, maar hulle het ‘n dak bo hul koppe. Vyf mense is afhanklik van hierdie veilige vesting, en hulle huur is ook agterstallig. Ettiene het al baie vordering getoon, en loop nie meer met sy kierie nie. Dokters-verslae toon ook geen tekens van brein- of permanente skade nie, alhoewel hy weer van voor af moet leer loop en praat. Hulle ontdek ook vier bloedklonte. Ons is dankbaar vir Ashleigh se inkomste, wat skaars die maandelikse elektrisiteit en kruideniersware kan dek. Sy is moeg en moedeloos, maar verklaar die heeltyd dat “die Here in beheer is”. Hulle gesin is ‘n gelukkige gesin, en hulle besef die pad na genesing en herstel is nog lank. Hulle is dankbaar vir mekaar, vir elke mens wat deelvorm van hulle ondersteuningsnetwerk. GROOTfm 90.5 het gaan kuier…

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

A wealth tax won't be able to raise enough revenue to potentially fund a basic income grant (BIG) in the same way an increase in VAT or personal income tax (PIT) could, says Treasury's acting director-general Ismail Momoniat. Momoniat was speaking at the Tax Indaba hosted virtually by the South African Institute of Taxation on Wednesday. He weighed in on various tax matters – whether it be raising revenue or dealing with issues like climate change and health. Momoniat also noted that taxes would have to be adjusted to make way for the changing energy landscape, a challenge many countries face. He noted new UK Prime Minister Liz Truss's goals to cap energy bills (amid rising gas prices) while also lowering taxes. "She sounds to me like a great magician if she achieves that. She will probably need a Nobel prize. But I have my doubts," he quipped. Momoniat described the tax as a "blunt tool" which people do not want to see changing much every year. In the last budget, none of the taxes were raised, barring carbon and sin taxes. He added that such punitive taxes would likely keep going up. As for taxing the wealthy, Momoniat noted that globally and domestically, there is a strong view that people should pay their "fair share" of taxes. However, the issue with a wealth tax is that it can't be imposed every year – as a person would have to realise a certain amount of value after a few years to be taxed. Importantly, Momoniat said that a wealth tax wouldn't raise nearly enough as an increase in VAT or PIT. For a major spending programme like a BIG – tax will have to be imposed to fund it. A grant of R90-billion could be funded by a 3% increase in VAT or PIT. "The other taxes simply do not raise enough," he said. A wealth tax imposed every 10 years, for example, wouldn't raise enough either. "You have to go back to VAT and PIT," said Momoniat. Raising corporate income tax is not on the government's cards either – because it would go against the trend of what is happening globally and will negatively impact investment and jobs." On the other hand, VAT increases will hit poor households, and an increase in PIT will also pressure households with low-paying jobs, he said. Momoniat, however, emphasised that a big expenditure item like the BIG would definitely require a tax hike. "Don't fool yourself by thinking you can have a step change in expenditure and not raise one of the two big taxes, and that does have an impact on growth. You need to understand the trade-offs."

It is impossible to draw a direct comparison between South Africa and other countries that have adopted strategies to push the uptake of electric vehicles (EVs), warns Frost & Sullivan research director Craig Parker. He says that South Africa's economic structure and demographic profile are unique, with a significant disparity in wealth. “This will have direct implications on how government and the private sector can drive the uptake of EVs. It also means that strategies that have been implemented in developed economies may not be relevant in the South African context.” In Europe, incentivising EV uptake through city-level initiatives that directly impact the consumer has been successful ­­– for example, implementing an incentive or penalty that directly correlates to the number of kilometres driven in a specific city area, explains Parker. “These are usually the most effective as they hit the pocket of the consumer who drives the most, and there is a direct use-to-cost reward or penalty involved. “However, the South African conundrum comes into play as people from different economic classes share the same roads. “Imposing a blanket penalty on kilometres driven in, or to, a city centre [in a vehicle powered by an internal combustion engine] will have a significantly greater negative impact on the poor than those with higher income. “Also, the major difference between South Africa and other countries is that our ‘public' transport services are not entirely ‘public',” adds Parker. “It is dominated by the taxi industry, which is not governed by local city budgets. “This means that while public transport policy may shift to EV technology, moving the taxi industry to EVs will require substantial buy-in from the associations and this may not be feasible.” But how should South Africa then drive its EV initiatives – if any? “It will be important to focus on the logistics industry and public transport initiatives,” says Parker. “The last-mile delivery sector has significant potential for minimising carbon output and shifting to renewable EV solutions. “Similarly, cities can adapt their own public transport systems and convert them to EV fleets. “The shift from internal combustion engines (ICEs) to EVs in private transport and in the taxi industry would then be a natural process as EVs become more affordable and charging infrastructure more accessible.” Fuel and Renewable Tax National Treasury estimates that there will be a R90-billion yearly loss to the fiscus as fuel use and, therefore, government income from the fuel levy, finally disappears. In the run-up to that day, fuel tax revenue will systematically decrease because of a decline in demand, says Parker. During this period of limited demand, government may be able to take advantage of the fact that lower oil prices could allow them to increase the fuel levy. “This, however, is not a sustainable scenario. Another, more controversial scenario is that government may institute a renewable generation tax that will target solar and wind generation by private individuals to power their homes and vehicles to replace the fuel levy.” Many countries currently have renewable energy tax credits that incentivise the use of renewable energy, notes Parker. In South Africa this is also the case. Since January 1, 2016, an amendment to Section 12B of the Income Tax Act (Act 58 of 1996) allows for depreciation in the year of commissioning of the full (100%) cost of a grid-tied solar photovoltaic system of less than 1 MW that is used for electricity generation by a business for use in its operations. Current taxation related to renewables is mostly concerned with tax breaks and credits to drive installation. But, once renewable generation becomes the norm and carbon cannot be taxed effectively, it is very likely that renewable generation will be taxed, says Parker. “In terms of revenues associated with the fuel levy, such as for the Road Accident Fund, other alternatives, such as mandatory public ...

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

The appointment of mining stalwart Sipho Nkosi to cut red tape is crucial to encourage new investment and expand existing investment in South Africa, says Menar MD Vuslat Bayoglu, whose private investment company has about R1.5-billion worth of investment being delayed by regulatory processes. While Nkosi was appointed to reduce government red tape in general, Bayoglu believes that his background and skill would be better used in the mining regulatory space. (Also watch attached Creamer Media video.) “There are huge bottlenecks in mining approval processes, from prospecting rights, where it is relatively easy, to water use licences (WULs) and environmental authorisation, where things get harder,” said Bayoglu in a Zoom interview with Mining Weekly. “Often, different government entities contradict each other. Some NGOs take advantage of the red tape to block mining investment. They don't care about the taxes that the state is losing when it delays mining investments, exploit this to their own advantage and to the detriment of the country,” said Bayolu, who pointed to Minerals Council South Africa's members having R90-billion worth of ready-to-execute projects being stalled by red tape. “South Africa cannot afford to lose out on the current upswing in the commodity market. It is only during such times that investors have appetite to expand existing operations and develop new mines from scratch. “If we don't take advantage of this now by cutting the red tape, we should kiss goodbye to employment creation and the prospect of reducing poverty and inequalities – all of which are the key priorities of President Cyril Ramaphosa's administration. The President clearly knows this. We hope various departments will support him,” said Bayoglu. His second takeway from last month's State of the Nation Address (Sona) is that reforms are under way in the field of logistics. “Allowing third party access to the rail infrastructure is key to solving the logistics bottlenecks. While Transnet has performed better than many SOE's over the years, it has experienced challenges lately and this has impacted on mining exports. So, the President's initiatives, which Transnet has already embraced, are also a welcome development,” Bayoglu added. His third Sona takeway was the President firmly stating that business is responsible for creating jobs and the government should create an enabling environment. “I think if he can act on this statement and ensure that government takes decisions quickly, then we can succeed in creating economic opportunities,” he said. GROWTH STRATEGY DEVELOPMENTS The company's latest growth strategy development includes the commencement of mining at Kangra Coal's Udumo mine in February, marking the beginning of the extension of the life-of-mine (LoM) at Kangra, through the mining of the Kusipongo reserve of around 41.9-million tons, which could extend the LoM by more than 20 years. Kangra is targeting a production rate of 1.5-million tons a year from the underground mining sections for the duration of the LoM, with 360 000 t/y of anthracite being produced from available opencast areas. Located in Saul Mkhizeville, Mpumalanga, Kangra employs 549 people including contractors. The extension of the LoM of Kangra is described as being critical for local communities that derive employment and business opportunities from the mine. In addition, negotiations are continuing with stakeholders at Canyon Coal's fully licensed but yet to be developed Gugulethu colliery, which will create 430 jobs. Through Canyon, some R600-million is being invested in the Phase 1 development of Gugulethu, which is near Hendrina, also in Mpumalanga. The project has an estimated LoM of more than 35 years based on a run-of-mine (RoM) production of about 200 000 t/m from opencast areas and 150 000 t/m from underground sections. Mining will take place through underground and opencast methods. Phase 1, which will entail opencast mining, has a reserve of 14.3-million...

Today we welcome world-renowned sleep coach, Nick Littlehales, to the podcast

Die Arbeidshof beslis dat Denel binne tien dae R90-miljoen se salarisse aan Solidaiteit-werknemers moet uitbetaal. Die begrotingsrede ontlok gemengde reaksie van opposisiepartye.

Mining company DRDGold has launched 41 programmes to take its communities out of poverty. Cutting red tape will release R90-billion worth of mining projects out of their starting blocks. Yet another company has announced that it is taking steps to generate its own electricity. Sakina Kamwendo presents another Update From The Coal-Face with Martin Creamer, publishing editor of Engineering News and Mining Weekly.  

With South Africa's one and only driver's licence print machine out of order and in for repairs in Germany, this Kfm Mornings listener says she outright refuses to cough up the R90 fee for a temporary driving permit.  See omnystudio.com/listener for privacy information.

Happy New Year everyone and welcome back to the Flip Side! In today's fresh episode, Krishn and Andy got an exclusive masterclass from the elite sports sleep coach Nick Littlehales! Nick Littlehales is a renowned recovery coach with high-profile clients such as Cristiano Ronaldo, Bradley Wiggins, and more! In today's episode, Nick shares his expertise on how to improve the quality of our sleep, performance, and well-being. He also spills some secrets to his recovery game-changing R90 technique! To find out more about Nick Littlehales, visit https://sportsleepcoach.com/ 00:00 Intro 00:25 Nick Littlehales' Sleep Journey 02:50 Becoming The Elite Sports Sleep Coach 07:45 The Wrong Place At The Right Time 09:35 Sports Science Revolution 12:55 Dehabilitation Explained 14:30 Double Up Training 15:40 Natural Chronotypes Explained 17:40 Marginal Gains 18:30 Coaching Ryan Giggs 20:40 Natural Circadian Rhythms 22:58 Polyphasic Sleep Approach 24:15 Controlled Recovery Period (CRP) 29:30 Dilemma Of Controlling Sleep 32:20 The Importance Of Sleep Education 36:00 The 30% Recovery Period 38:00 Why We Need The Sun 41:20 The Power To Adapt 43:00 Tracking Sleep 47:30 The Benefits Of Blue Light 55:30 Tracker Dependency Syndrome 58:05 The Great Shift 01:01:50 We Need To Talk About Sleep 01:04:55 Sleep Restriction Technique 01:06:15 The 90 Minute Cycles 01:08:40 Little Recovery Breaks 01:12:00 Healing Recovery Performance 01:13:40 The R90 Technique 01:18:30 Comfortable Sleeping Position 01:23:00 Aggregation Of Marginal Gains 01:26:00 Daily Consistency 01:28:15 35 Cycles A Week 01:33:00 Deep Sleep Cycle 01:36:00 Chill Out Mode 01:37:50 Shifting Around Schedules 01:39:10 Scheduling Adjustments 01:42:30 Listening vs Spacing Out 01:43:30 Nap Pods & Napsercise 01:44:00 Toilet CRP 01:45:20 Siesta Time 01:45:50 Outro

Refilwe Moloto speaks to Michaell Liffmann, General Manager of the Winchester Hotel, which recently reopened to the public after undergoing a R90-million renovation in time for it's upcoming centenary year. See omnystudio.com/listener for privacy information.

When it comes to quality sleep, you may say, I know! Sleeping eight hours a night is enough. But you know what? The eight hours of sleep theory has not been scientifically proven, and if you are constantly obsessing over getting a full eight hours of sleep every night, you might end up more stressed about not sleeping enough on the days you are too busy. So why is eight-hour sleep time illogical? According to this book, sleep is different from one person to another, and it is not necessary to focus on the length of sleep but to view sleep as a process of restoring the body and mind 24 hours a day, seven days a week. How can we achieve this? We will elaborate it later. This book provides us with a program to improve the quality of sleep, which will overturn the traditional 8-hour sleep theory and help us adjust our sleep in all aspects, starting from the R90 sleep cycle. You will learn to monitor your sleep quality by days, weeks, and months, reducing unnecessary anxieties and enabling you to get quality sleep even in stressful situations.

Die Minister van Gesondheid, Zweli Mkhize, word betrek by korrupsie van R90-miljoen. Die VSA gaan omvattende sanksies teen Ethiopië instel.

Welcome to the #RunPainFree Podcast! In today's episode, Coach Jessica Marie Rose Leggio speaks with leading elite sport sleep coach Nick Littlehales. It sounds like a unique professional title, well, that's because he invented it!  Nick's career spans over 20 years. He has been a true innovator in bridging the divide between sleep science and creating actionable steps that athletes can implement to improve their rest and recovery. He is also the author of the international bestselling book "Sleep: The Myth of 8 hours, the Power of Naps, and the New Plan to Recharge Your Body and Mind." In this episode, he shares his knowledge and techniques underpinning his R90 Technique to increase your rest and performance. If you have been basing your recovery on the adage of getting eight hours every night, this episode is going to give you something to sleep on.  Step 1: Circadian rhythms  The first thing you need to do to improve your sleep is developing your understanding of circadian rhythms. Circadian rhythms are physical, mental, and behavioral changes that follow a 24-hour cycle. Like animals and plants, we humans (yes, it turns out we are animals after all!) also respond to changes in daylight.  Our melatonin increases in darkness and is suppressed in daylight, whereas serotonin rises during the daytime. Melatonin is most known for its role as a sleep hormone, and serotonin is the "feel good" hormone.  So, in the world of COVID lockdowns, make sure you get outdoors every day; it will do more for you than slamming another coffee. In the evening, getting off your phone and computer and avoiding blue light will help you sleep.  Step 2: Chronotypes.  Chronotypes relate to your natural inclination to sleep at a particular time. Optimizing your approach to sleep relates to understanding your chronotype. So, the question is, are you an early bird or a night owl?  While you can't deliberately change your chronotype, it is good to be aware of your pattern and know that it shifts over your lifetime. That's why that lazy teenager who can't get out of bed in the morning ends up waking up at the crack of dawn in their 80s. If you want to achieve prime performance, base your sleep on your body's natural rhythm.  Step 3: Think about sleep in cycles rather than hours. Alert! This information is the golden nugget of Nick's R90 Technique.  Start thinking about your sleep in terms of the number of cycles throughout the week instead of just getting eight hours a night. If you don't achieve optimum sleep one night, that okay; like one day rolls into the other, you too can move your recovery into the next.  The eight hours a night idea is an outcome of the modern world. Before that, humans slept several times throughout 24 hours or were polyphasic sleepers rather than monophasic.  On any day, you want to aim to hit five 90 minute cycles. Your sleep cycle includes: dosing off, light sleep, deep sleep, and REM – you need all of these to gain the restorative powers of sleep.  How you split that up can be determined by you. If you are someone who crashes mid-afternoon, take that nap, it all counts. Nick's book highlights that naps are magical for your wellbeing. But the key is to hit 90 minutes, as this completes an entire sleep cycle.  Step 4: Pre and post-sleep routines. To aid your ability to dose off into neverland and hit the day running, Nick emphasizes the importance of pre and post-sleep routines. You are developing a standard time to go to bed, and waking up will help in this regard. But don't beat yourself up if you have a sleep-in after a long week; you're human after all.  Pre-sleep routines may include: Getting off your phone. Lowering the temperature in your bedroom. Dimming the lights. Writing down your to-do list for the next day. Post-sleep routines can include: avoiding technology, aka don't look at your phone first thing and freak out over a work email because your cortisol levels are already high enough in the morning. Instead, do some light exercise and a brief mental challenge such as reading the news, sudoku, or a podcast.   Step 5: Balanced activity and recovery. Recovery doesn't just mean you should be sleeping or doing nothing. Throughout the day, you will have periods of intense physical and mental activity. So it is important to incorporate rest throughout the day. As Nick highlights, it's a simple as, 'pointing your brain in a different direction, and visualizing something different." Nick discusses how looking at the horizon on the sea can be restorative. But if you don't have that option available, getting up from your computer and gazing out your window will also do the trick.  Step 6: Environment. Improving your sleep environment is far more helpful than tracking your hours of sleep. Ideally, you want to create your bedroom in a way that is only associated with rest. Okay, we know what you are thinking; there are exceptions; you are human after all. Aim to minimize bright lights and leave your phone outside your bedroom.  Step 7: Products. People trying to improve their sleep quality typically reach for a product; Whether it be a new mattress, eye masks, a sleep tracker, white noise machines, or blue lights. Nick deliberately puts products in the final position in his R90 Technique; while helpful, they have the most negligible impact overall. If you are in the market of replacing your mattress, Nick says the key is to have a bed that adequately supports your neck, hips, and spine while sleeping in the fetal position. His website has further information on selecting a suitable mattress.  Take away lesson. Sleep should be considered an intrinsic part of the way you approach running. Running is intensive, and as you ramp up miles, you also need to ramp up your recovery. Performance gains won't just occur as a result of pushing harder during your training. A massive chunk of your performance relates to the way you approach to sleep and recovery. Particularly for our marathoners, if you have done a long run on the weekend, factor in having a nap afterward; you've earned it.  TIMESTAMPS 00:32 ­– Introduction and biography 02:37 ­– Nick's unlikely career journey  16:09 – How Nick developed the R90 sleep technique 19:17 – Five 90 minute cycles vs. 8 hours sleep per day 22:21 – Circadian rhythms and chronotypes 25:34 – Shortcomings of sleep products  KEY LEARNING POINTS Aim to achieve five 90 minute cycles a day instead of 8 hours per night Napping has a powerful effect on your recovery, memory, performance, and overall mood Develop pre and post-sleep routines Optimize your sleeping environment by eliminating bright light LINKS MENTIONED Marathon Training Summit: MarathonTrainingSummit.com Get an Assessment With Jessica: https://www.runpainfreenow.com. Resources & Programs To Run Injury-Free: https://www.runpainfreeacademy.com #RunPainFree Bootcamp: https://www.runpainfreebootcamp.com/ Get a copy of Nick Littlehale's book, Sleep: The Myth of 8 hours the power of Naps and the New Plan to Recharge Your Body and Mind: https://www.sportsleepcoach.com/collections/sleep-by-nick-littlehales/products/sleep-by-nick-littlehales. Thanks so much for tuning in this week! It was great to have Nick on the show and share his knowledge on optimizing sleep for athletes. We know sleep is something people often struggle with, but we hope that Nick's practical advice helps you get a good night's rest so you can hit the day running! Have some feedback you'd like to share? Please leave a note in the comments section below! If you enjoyed this episode, please share it with your friends.  Don't forget to subscribe to the show on iTunes to get automatic episode updates for our "#RunPainFree Podcast!" And, finally, please take a minute to leave us an honest review and rating on iTunes. They help us out with the show's ranking, and I make it a point to read every single one of the reviews we get. Keep running and keep dreaming!

Nick Littlehales is a leading elite sport sleep coach and founder of the R90 Technique used by elite athletes, players and coaches to redefine sleep for improved performance in work, sport and mental wellbeing. Nick is also author of SLEEP The myth of 8 hours, the power of naps and the new plan to recharge your body and mind. Eat to sleep is one of our most popular webinar/seminars, and I wonder if over the last year has your sleep pattern changed? I asked Nick about: 90min sleep cycles and stages of the cycle Tips for falling asleep after getting into bed Nick mentions during the episode: His book SLEEP read or listen https://www.sportsleepcoach.com/collections/sleep-by-nick-littlehales His 10 session audio coaching course https://www.sportsleepcoach.com/products/redefine-your-approach-to-sleep-10-step-course The R90 Technique + Nick explains video https://www.sportsleepcoach.com/pages/about-r90-coaching Dawn Wake Simulator SAD Lamps light therapy https://www.lumie.com/ Hi tech light therapy https://humancharger.com/ Blue Blockers light therapy https://www.swanwicksleep.com/ About Nick Sport Sleep Coach was founded by Nick Littlehales, after many years working within sleep and elite sport, with the aim of providing a simple and achievable technique that any individual can apply to their life for improved sleep. Later named the R90 Technique, this approach has been beneficial in improving not only sleep, but recovery, performance and mood. The R90 Technique consists of the 7 Key Sleep Recovery Indicators (KSRIs) that contribute to an improved sleep approach. Outlined in Nick's book Sleep, this revolutionary technique has been helping elite athletes, sports teams, high achievers, businesses and individuals all over the world.  Nick's previous experience working within the mattress industry has also led him to develop the R90 SleepKit, the perfect product combination to compliment the R90 Technique. The SleepKit can be built up, layer by layer, to suit each individual and with a mattress that is personalised to your body type, your perfect sleeping environment is now possible. Travel SleepKits are also available, so you can take your R90 set up with you, wherever you go. Follow Nick on the following social media channels: Website: www.sportsleepcoach.com Twitter:@sportsleepcoach Instagram: @_sportsleepcoach FB: sportsleepcoachuk YouTube: Sportsleepcoach

Nick Littlehales is a leading elite sport sleep coach and founder of the R90 Technique used by elite athletes, players and coaches to redefine sleep for improved performance in work, sport and mental wellbeing. Nick is also author of SLEEP The myth of 8 hours, the power of naps and the new plan to recharge your body and mind. Eat to sleep is one of our most popular webinar/seminars, and I wonder if over the last year has your sleep pattern changed?  I asked Nick about: What should you do to get back to sleep if waking in the night Suggest things to do/take the following day to boost energy if they've had a bad night sleep? Understanding chronotypes Kids sleep Nick also mentions during the episode: His book SLEEP read or listen https://www.sportsleepcoach.com/collections/sleep-by-nick-littlehales His 10 session audio coaching course https://www.sportsleepcoach.com/products/redefine-your-approach-to-sleep-10-step-course The R90 Technique + Nick explains video https://www.sportsleepcoach.com/pages/about-r90-coaching Dawn Wake Simulator SAD Lamps light therapy https://www.lumie.com/ Hi tech light therapy https://humancharger.com/ Blue Blockers light therapy https://www.swanwicksleep.com/ About Nick Sport Sleep Coach was founded by Nick Littlehales, after many years working within sleep and elite sport, with the aim of providing a simple and achievable technique that any individual can apply to their life for improved sleep. Later named the R90 Technique, this approach has been beneficial in improving not only sleep, but recovery, performance and mood. The R90 Technique consists of the 7 Key Sleep Recovery Indicators (KSRIs) that contribute to an improved sleep approach. Outlined in Nick's book Sleep, this revolutionary technique has been helping elite athletes, sports teams, high achievers, businesses and individuals all over the world.  Nick's previous experience working within the mattress industry has also led him to develop the R90 SleepKit, the perfect product combination to compliment the R90 Technique. The SleepKit can be built up, layer by layer, to suit each individual and with a mattress that is personalised to your body type, your perfect sleeping environment is now possible. Travel SleepKits are also available, so you can take your R90 set up with you, wherever you go. Follow Nick on the following social media channels: Website: www.sportsleepcoach.com Twitter:@sportsleepcoach Instagram: @_sportsleepcoach FB: sportsleepcoachuk YouTube: Sportsleepcoach

象總開講：《高效人生：14 天啟動 2021 能量計畫》https://bit.ly/3dDBToj 本集「象總武功秘笈」分享跑緩坡配速與跑國道馬拉松的訣竅。再來聊聊象總對於睡眠效率與時間安排的心得，高品質睡眠的關鍵，讓你把握時間好好休息和修復。 本集重點 - 緩坡怎麼配速 - 睡眠三寶哪三寶 - 90 分鐘的睡眠循環 - 看到象總要打招呼喔 ☕️ 請我們喝杯咖啡吧！https://pay.firstory.me/user/nonstoprunning 魁哥推薦的《世界第一的 R90 高效睡眠法》https://www.books.com.tw/products/0010876257 Powered by Firstory Hosting

Much has been said about Referendum 90, concerning the implementation of comprehensive sex ed curriculum. Crystal sits down with Liezl Tomas Rebugio and Patricia Flores, two advocates for approving R-90, to get to the heart of what R-90 is meant to do, and dispel some myths surrounding it.

In conjunction with Indivisible Plus Washington, we present a panel discussion on Referendum 90, or R90, a ballot measure that would affirm a state senate bill that would mandate teaching age appropriate, comprehensive sexual health education in schools. Featuring: - Joseph Lachman, Policy Analyst, ACRS (Approve R-90 advisory committee) - Lillian Lanier (NARAL Pro-Choice Washington) - Annie Forsman-Adams, WomenSpirit Coalition (Indi+WA admin) - Katherine Cleland (AAUW) - Larry Behrendt (Indivisible Whidbey Island) https://www.approve90wa.org/

SEATTLE SPIRIT: The same media groups that will not show the actual curricula of R90, is the same media promoting the hatred of police officers. Advocates for Youth teaching students to hate police // The global death count lies, the propaganda of the New York Times and here come the cases. Trump made an important statement on lock downs that’s being overlooked from the debate. //JUST A FEW MORE THINGS – CNN attacks the Proud Boys See omnystudio.com/listener for privacy information.

Development Bank of Southern Africa (DBSA), which recently disbursed loans worth R4.5-billion to two Gauteng metropolitan councils to support ongoing infrastructure delivery amid coronavirus-induced liquidity constraints, reports that it is gearing up to support several other municipalities to help close funding gaps that have arisen during the pandemic. Between June and July, the State-owned development finance institution disbursed a R3-billion loan to the City of Johannesburg and R1.5-billion to the City of Tshwane for the roll-out of infrastructure programmes, including the construction and upgrade of electrical, water, sanitation, refuse, road and stormwater facilities, as well as to support human settlements projects. Group executive for client coverage Mohan Vivekanandan tells Engineering News that, while municipalities typically comprise about one-third of the bank’s yearly financing activities, more funding may be directed towards the sector this financial year. The DBSA has shored up its own lending position with the help of international development finance institutions, which are also seeking to play a countercyclical financing role in economies hit by the Covid-19 virus. “The DBSA is stepping in to plug market deficiencies as other infrastructure lenders and investors are pulling out of capital programmes due to market uncertainty. The funding will go a long a way in cushioning the blows and ensuring that municipalities are not interrupted in delivering much-needed support to residents,” Vivekanandan explains. He says the DBSA has responded to the mandate from its shareholder to assist municipalities during the pandemic, and the bank’s response to the mandate has been carefully managed to mitigate concentration risk. That non-performing loans in the municipal market remain low. “We do not lend to all 257 municipalities in South Africa, our focus is municipalities that generally have a record of good corporate governance and financial management. Over and above the financial support, we have continued to offer non-lending support to most municipalities in the form of capacity building through training,” Vivekanandan outlines. Separately, the DBSA has also made R150-million available for a Covid-19 response programme, which is being deployed across seven provinces, and in some SADC countries. Vivekanandan also stresses that the demand in the non-municipal sector remains strong both inside South Africa and in the rest of Africa. As at September 2019, about 30% of the DBSA’s R90-billion in assets was associated with investments in the sub-Saharan Africa region, particularly in Zambia, Angola, Mozambique and Ghana. In South Africa, the bank expects strong demand from the energy sector, including from renewable-energy independent power producers. Its near-term deal pipeline also includes projects in the areas of student accommodation, healthcare and digital infrastructure, as well as funding activities with State-owned companies. In the rest of Africa, the DBSA has already confirmed financing of $120-million for the $20-billion-plus liquefied natural gas project being developed by a Total-led consortium in northern Mozambique. The bank’s investments on the continent include Ghana and the Democratic Republic of Congo, and this is projected to grow. It is also expecting to participate, later this year, in the funding of a large solar project in Angola. “So while the amount of resources being directed towards the South African municipal sector is being ramped up in the short term, there is also strong demand from other sectors, which we believe will ensure that our portfolio remains balanced over the medium- to long term,” Vivekanandan avers.

You can find the Satrix webinar we mention at the top of the show here. Isn't it odd how few money conversations centre around mundane financial choices? Surely our net worth is a reflection of the small financial decisions we make every day. A rather typical experience with a contractor has me questioning my decision-making this week. Do I need to think differently about the intersection between price and quality? I asked your help and got some really excellent ideas. Simon and I think through many of them in this week's episode of The Fat Wallet Show.  I loved all the feedback we got. Unfortunately my favourite new way of thinking came in after we recorded the show, but here it is: Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Your feedback: Figure out the average price and look 10-20% above that and compare features/requirements. I usually end up with something on the upper end of mid range, with the reliability of the higher end, but none of the "its the best" tax. Cost per use is the other dominant factor. — z3llin (@z3llin) June 25, 2020   Oscar: If the price difference is marginal, I'd go for convenience, or for good service, or both. If the price difference is sizable, there is bound to be third party published material where this difference is explained [in detail]. Tamara: Depends on the thing. Some things are worth paying more for because they yield a better experience or last longer than cheap alternatives (e.g. decent tools, leather boots). Other things, I take the best price I can get (e.g. refill on my gas bottle, cat scratching block)... There's also an element of risk that gets factored in to value equations on some stuff. I'm not going to go hunting for cut-rate medical specialists or the cheapest backyard mechanic. I'll willingly pay more if I believe it translates to better care. Duke of Prunes: Generally the cheapest thing with the most favourable reviews possible. Manus: My problem is to figure out if I really do need the thing, if I do need the thing I have to figure out how important the quality is. If quality is important I will overpay if need be. Overpaying because it is pretty isn't reason enough to overpay. Daniel: How much I will be using it will also determine how much Im willing to spend. The more I will use something the more Im willing to pay for better quality versions. Rudi: If it separates you from the ground, go for quality (shoes, bed, tyres) Facebook: Sheila: Depends .. may buy cheapest item, find it is inefficient, and revert to an expensive product. For instance - dishwashing tablets. Wilhelm: Some brands offer amazing quality products but also at a increased price. If I know the product will last a lifetime, I don't mind paying extra (Stanley Flasks, LED lenser headlamps). Greg: I generally go for quality, my big exception is cell phones, in my mind they do the same job, so I just buy the cheaper Chinese brands for cash; I just can't justify shelling out 15k plus for a cellphone. Wynand: Here I actually differ. I feel I interact with this device for HOURS everyday so I soend money to make that experience a pleasant one. Shane: in the kitchen i can tell the difference between a R1000 pan and R90 pan. the latter is so wobbly it barely touches the stove. no more skimping on kitchenware for me , no matter what the cost

Nick Littlehales is one of the the worlds leaders in in sleep and recovery for athletes. Having worked with teams such as Manchester United, Arsenal, Team Sky cycling team and even athletes such as Cristiano Ronaldo.In this episode we talk about the work that Nick did with these teams, how he got them to view sleep and recovery differently and the creation of the game changing R90 technique that stems from the idea of the aggregation of marginal gains, the 1%ers that make you that little bit better. We go into understanding your chronotype, sleep cycles and using moments throughout the day to rest and recover. All of this to help you have a different relationship with sleep and recovery.Contact Nick viasportsleepcoach.comInstagram - @_sportsleepcoach Nick's Lockdown Sleep EbookThe Sport Yogi app is coming soon!It will be a place for those in sport, where you can access simple to follow and understand sessions to improve flexibility, strength balance and more. As well as tools to manage your mind with issues such as stress, anxiety, nerves, frustration.To become one of the first to get it. Subscribe for updates at thesportyogi.comThe Sport YogiInstagramYoutubeTo get in touch with me visit lewishatchett.comInstagramTwitter LinkedinYoutube

Eradication of Child Marriage through Effective Girl Child Education and Ambitious Goals | Mullangadu | Thondamuthur Village Rathinavani 90.8 CR visit Mullangadu, Thondamuthur Village near Coimbatore's iconic place Isha Yoga. R90.8 documents the needs of girl child to improvise their vision through education. How child marriage makes chaos to their social life. We did perform mock calls to 1098 to show the girls 'How the child helpline number helps to stop Child marriage or any abusive behavior from the elders?' and more in this show Chutties Express 2 @ Mullangadu, Thondamuthur Village, Coimbatore.

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

“It’s time we educate the world on sleep.” Hey, hey family! On this episode of the , delighted to say on today’s show we are joined by sleep expert, author of the best-selling book ‘sleep’ and coach to the elite Nick Littlehales @_sportsleepcoach. Nick has one of the most decorated CV’s you could imagine, having coached elite athletes along the likes of Team Sky’s record breaking athletes, premier league football stars and elite level athletes such as Cristiano Ronaldo. In this episode, you will learn: - How bad the sleep crisis really is - Why society should be more adapted to your circadian rhythm & how you can optimise your life by knowing yours - The effect caffeine has on sleep - Why 8 hours sleep is a ‘myth’ and we should focus on 5-6 cycles of R90’s - Why the quality of our sleep is hugely impacted by the sun - Nick’s app recommendations for tracking light - Much, much more! PS. Check out the productivity planners from our friends over at intelligent change. These guys have put so much effort into the design, I’ve been using it every day for the last 2 months and it makes an enormous difference to how effective I am! https://www.intelligentchange.com/?rfsn=2583960.cf7e48 Joe Instagram: @josephnewtonpd Lewis Instagram: @lewisedwardcoach Nick Instagram: @_sportsleepcoach

R90.8 CR International Volunteer Day Special ! Rathinavani 90.8 CR Broadcast Interview with Mr. Padmanaban Gopalan, No Food Waste - Co-Founder on Volunteering Practice among Coimbatore People & the path-breaking success stories through Social Media Networking. International Volunteer Day (IVD) mandated by the UN General Assembly, is held each year on 5 December. It is viewed as a unique chance for volunteers and organizations to celebrate their efforts, to share their values, and to promote their work among their communities, non-governmental organizations (NGOs), United Nations agencies, government authorities and the private sector. Apart from mobilising thousands of volunteers every year, the United Nations Volunteers (UNV) programme contributes to peace and development by advocating for the recognition of volunteers and working with partners to integrate volunteerism into development programming.

Nick Littlehales is a sleep coach to some of the most popular athletes and sports' teams in the world. His famous R90 approach changes the way we can develop a personal relationship with sleep no matter what our schedules may be. I love his polyphasic approach and his emphasis on pre and post sleep routines. In this discussion he specifically gets into things like sleep cycles, caffeine, pre and post sleep routine, morning light and much more. Be sure to check out his book: Sleep - https://amzn.to/2CYa0G8 This easy, yet extremely practical book gets right to the point! There is no way you won't walk away with a better personal relationship with sleep and your routines after reading it. Also check out his site: www.sportsleepcoach.com Thanks to Nick. I really appreciated the chat.

On episode 4 of For the Love of Afrobeats #FTLOApodcast, Industry insiders Adesope Olajide (@Shopsydoo) & Dignified Sorinolu-Bimpe (@Mr_Schmooze) discuss the following headlines; Is AKA's Beam World app really worth R90 (£4)? Does King Wole have a case on DJ Cuppy? Is E.L really the best African rapper? Omotola Jalade being honoured by the UN For more curated Afro-urban content, visit iDEY.me/

R90.8 Broadcast World Smile Day Special Talk - Ms. Bharathi, Asst. Prof @ Dept. of Psychology , Rathinam Educational Institutions. World Smile Day is celebrated on the first Friday in the month of October every year. The idea of was coined and initiated by Harvey Ball, a commercial artist from Worcester, Massachusetts. He is known to have created the Smiley Face in 1963.

R90.8 Broadcast World Smile Day Special Talk - Dr. Vellaisamy Sir ! World Smile Day is celebrated on the first Friday in the month of October every year. The idea of was coined and initiated by Harvey Ball, a commercial artist from Worcester, Massachusetts. He is known to have created the Smiley Face in 1963.

R90.8 October 2nd Gandhi Jayanti Special - Gandhi Film Talk! Gandhi is a 1982 epic historical drama film based on the life of Mahatma Mohandas Karamchand Gandhi

R90.8 CR Broadcast Listener Shabir's Theft Case & Solution ! காவலர்கள் என்பவர்கள் மக்களுக்கு உறுதுணையானவர்கள். நாம் நமது பிரச்சனைகளை நம்பிக்கையுடன் முன்வைத்தால் நிச்சயம் நமக்கு உதவிகரம் கொடுப்பர். இப்போதைய நவீன உலகத்தில் Whatsapp இணையம் என்று காவலர்களை அணுகும் முறை மேலும் எளிதாக உள்ளது. இருப்பினும் இணையம் வசதி இல்லாத போன்களை பயன்படுத்துவர்கள் தங்களுடைய பிரச்சனைக்களுக்கு காவலர்களை அணுக தயக்கம் கொள்கிறார்கள். அந்த வகையில் கோயமுத்தூர் குறிஞ்சி நகர் பகுதியில் இருந்து திரு.சபீர் அவர்கள் தன்னுடைய பிரச்சனையை இரத்தினவானியில் பதிவு செய்தார். இவருடைய பிரச்சனைக்கு தீர்வு காண இரத்தினவானியின் முயற்சியும் திரு.சபீர் அவர்களின் மகிழ்ச்சியும் ஒலிதொகுப்பு. திரு.சபீர் அவர்கள் காவலர்களை அணுக சமுதாய வானொலியை ஊடகமாக பயன்படுத்தியது பாராட்டதக்கது. மற்றும் இந்த பிரச்சனைக்கு தீர்வு காண உதவிய காவல் துறைக்கு இரத்தினவானி சமுதாய வானொலியின் நன்றிகள்.

R90.8 CR Broadcast Friendship Day Special Talk about Nature! First Sunday of August, India celebrate Friendship Day. இரத்தினவானி 90.8 சமுதாய வானொலியில் நண்பர்கள் தினத்தை முன்னிட்டு, நண்பர்களுக்கு இடையேயான உரையாடல் என்றால் சினிமா, விளையாட்டு, அரசியல், கிசு கிசு போன்ற பெருபான்மையை தவிர்த்து இரத்தினவானியில் இரண்டு நண்பர்கள் புது அறிவாக உலக நன்மை சார்ந்து இயற்கை சார்ந்து உரையாடிய ஒலிப்பதிவு.

R90.8 CR Broadcast Breastfeeding Week 2018 - Campaign Talk 3rd Episode Rathinavani 90.8 Community Radio Broadcast Breastfeeding Week 2018 Campaign Talk - Episode 3 about Feeding Tips in Outsides among every motherhood about Breastfeeding. இரத்தினவானி 90.8 சமுதாய வானொலியில் உலக தாய்ப்பால் வாரத்தை முன்னிட்டு தாய்ப்பால் மகத்துவம் மற்றும் தாய்ப்பால் விழிப்புணர்வு குறித்து கோயமுத்தூர் Parenting Network மற்றும் Bond & Beyond சார்பாக தாய்ப்பால் ஆலோசகர் (Lactation Counselor) திருமதி.ஸ்வாதி அரவிந் அவர்களின் சிறப்பு பதிவு. Special Thanks To Coimbatore Parenting Network & Bond & Beyond, Lactation Counselor Ms. Swati Aravindh New Knowledge on Breastfeeding Awareness Talk.

R90.8 CR Broadcast Breastfeeding Week 2018 - Campaign Talk 2nd Episode Rathinavani 90.8 Community Radio Broadcast Breastfeeding Week 2018 Campaign Talk - Episode 2 about Thought Process & Awareness among every motherhood about Breastfeeding. இரத்தினவானி 90.8 சமுதாய வானொலியில் உலக தாய்ப்பால் வாரத்தை முன்னிட்டு தாய்ப்பால் மகத்துவம் மற்றும் தாய்ப்பால் விழிப்புணர்வு குறித்து கோயமுத்தூர் Parenting Network மற்றும் Bond & Beyond சார்பாக தாய்ப்பால் ஆலோசகர் (Lactation Counselor) திருமதி.ஸ்வாதி அரவிந் அவர்களின் சிறப்பு பதிவு. Special Thanks To Coimbatore Parenting Network & Bond & Beyond, Lactation Counselor Ms. Swati Aravindh New Knowledge on Breastfeeding Awareness Talk.

R90.8 CR Broadcast Awareness about ATM + Bonus Untold Story! இரத்தினவானி 90.8 சமுதாய வானொலியில், இரத்தினம் கலை மற்றும் அறிவியல் கல்லூரி மாணவன் செல்வன்.பிரவீன் அவர்களின் ATM குறித்த பதிவுகள் மற்றும் காட்சி தொடர்பியல் துறை முதலாமாண்டு மாணவன் செல்வன்.கவி அவர்களின் அனுபவ பதிவுகள் ஆகியவற்றின் தொகுப்பு. Mr. Praveen, Rathinam College Student talks about ATM Center Awareness & Mr. Kavi - VisCom Student shares his untold day by day life experience near Echanari Temple, Coimbatore.

“Brought to you by Absa ETFs”  Simon Shares Discovery* (JSE code: DSY) results were top notch and complicated as they always are. I own this stock as the business model really works, but as I have mentioned before the complexity adds risk. Risk I am happy with as most stocks I own have real simple business models. JSE (JSE code: JSE) results show HEPS down 6%. But look at value being traded these days. R25billion a day has become a regular feature, last year average was around R15billion. That equals lots of extra revenue in this financial year. Mining charter back to the drawing board. Good for local miners (of which we have very few). January CPI dropped to 4.4%, interest cuts coming to a prime rate near you? But budget may add to inflation (fuel being the one, not directly but will increase transport costs so food inflation). Up coming events; ABSA NewFunds ETF seminars (DBN, CPT, JHB and webcast) * I Hold ungeared positions #Budget2018 Firstly I think Cyril Ramaphosa may have played it real smart by letting Malusi Gigaba deliver the budget. He can now spend the next year claiming it was not his budget but a Zuma legacy budget. Overall not the train smash expected but still lots of tax increases with R36billion of extra tax. Lots of cuts to spending, R86billion over three years and which has to actually happen. VAT increased to 15% (first change since 1993), with 19 basic food items being zero-rated. Cue everybody suddenly caring about how this will hurt the poor. “Wealthiest 30% of household contribute 85% of VAT revenue”.  "The Old age, disability and care dependency grants will increase on 1 April 2018 from the existing R1600 by R90 to R1690 and by a further R10 to R1700 on 1st October 2018." GDP growth 1.5% in 2018 and rising to 2.1% in 2020. I hope they are very wrong on this. No changes to; Dividend withholding tax (DWT) CGT (40% inclusion rate with first R40k exempt) Tax-free limits (annual or life time) No Nuclear. Retirement funds will be allowed to invest up to 40% outside of SA - 30% "offshore" and another 10% elsewhere in Africa. JSE added 1.25% during the speech, USDZAR 8c and government bonds back at 8%, bond levels last seen three years ago. For our investments. Consumers being taxed, no surprise. But with inflation dropping leading to prime rate likely heading lower I still like the SA Inc. investment thesis. Overall - a good balancing act albeit still a tough budget. But could have been much worse and I think Moodys will not downgrade us on the back of it. Subscriber to our feed here Sign up for email alerts as a new show goes live Subscribe or review us in iTunes. JSE – The JSE is a registered trademark of the JSE Limited. JSEDirect is an independent broadcast and is not endorsed or affiliated with, nor has it been authorised, or otherwise approved by JSE Limited. The views expressed in this programme are solely those of the presenter, and do not necessarily reflect the views of JSE Limited.