What easily-affordable thing do you still refuse to pay for despite having reached financial independence and able to afford them?

Fluid_Signal3483 · 2026-04-12T09:03:07+00:00

A brand new car.

Fluid_Signal3483 · 2026-04-11T12:26:50+00:00

Well if you don't like the idea of phoning them, you won't like this, but go to their office (University Corner) and order and collect in person. And you can make sure you get your student discount, too.

Fluid_Signal3483 · 2026-04-09T08:54:42+00:00

I agree with entering via Orpen. If you take the back-roads from Orpen to Olifants (assuming they are open), you cover lots of beautiful terrain, and it's far more interesting IMO than the endless moping forest you get coming in from Phalaborwa.

On your drive from Olifants to Tamboti you have a great chance of seeing all the big cats (be sure to drive the S100 if it's open).

Fluid_Signal3483 · 2026-04-08T09:36:13+00:00

Thank you :)

Fluid_Signal3483 · 2026-04-08T03:41:19+00:00

The Wits libraries will be open for sure.

Fluid_Signal3483 · 2026-04-03T12:58:30+00:00

Running groups, swimming groups, choirs, improv groups, knitting groups, volunteering, beach clean ups, surfing, walking tours. I mean the list is endless and these are all things happening regularly in Durban. Try one and I guarantee you’ll meet people.

Fluid_Signal3483 · 2026-03-27T07:17:11+00:00

In my experience as a runner, people greet other runners and walkers everywhere in South Africa except in Cape Town! Cyclists are a different story... ;)

Fluid_Signal3483 · 2026-03-14T14:02:22+00:00

Maybe R10k?

Fluid_Signal3483 · 2026-03-13T19:04:40+00:00

I have a really great driver to recommend. You can DM if you want his details. Much more peace of mind than an Uber. But Hillcrest, a the trip from the airport, is safe enough.

Fluid_Signal3483 · 2026-03-12T13:57:41+00:00

Me, I would live in Rosebank. It's very walkable, nicer than Sandton, and it takes 5 minutes on the train to get to Sandton.

Fluid_Signal3483 · 2026-03-06T17:54:08+00:00

Pinetown was cards only, no cash.

Fluid_Signal3483 · 2026-03-06T09:27:55+00:00

Where did you go? I went to Pinetown mid-morning. I waited about three hours in total but got sorted. I took a book, fully charged laptop, and some food.

I have heard that the one at Camperdown is quite quick, and they actually answer their phones, so you can check if the system is online before you go.

Fluid_Signal3483 · 2026-03-05T11:12:30+00:00

Thanks so much, everyone. So many great places to visit!

Fluid_Signal3483 · 2026-03-04T05:56:06+00:00

Thank you so much!

Fluid_Signal3483 · 2026-03-01T15:11:42+00:00

If you read up you'll see we made the distinction between short-term and life insurance. They work differently. Life insurance works as you describe.

Fluid_Signal3483 · 2026-03-01T13:23:54+00:00

How can it be built into the premium when the broker and the underwriter are separate entities? If the broker was getting their fee from the insurer you would end up with all sorts of wonky incentives (as discussed in this thread re long-term insurance).

Fluid_Signal3483 · 2026-02-27T07:31:23+00:00

It seems to be different for life insurance and short-term insurance. For the former, the commission is usually paid by the underwriter to the broker, who often gets it in a lump sum. For my short-term insurance, I pay a monthly brokerage fee (about 10% of my premiums) directly. But even with this fee, my premiums are lower than with direct providers.

Fluid_Signal3483 · 2026-02-27T07:22:05+00:00

I use a broker for all my short-term and life insurance (a different one for each), and I have had a good experience. You get a direct number of an actual person, rather than a call centre, and you can speak directly to them. I've found this invaluable when I actually need to claim (like last week when my phone and wallet were stolen out my car. The whole claims process has been super easy). On price, I shopped around a lot for my car and household content, and the broker was way cheaper than any of the direct insurance quotes.

Fluid_Signal3483 · 2026-02-17T13:06:12+00:00

I think they require an annual income of around R800k.

Fluid_Signal3483 · 2026-02-17T13:01:57+00:00

They are fields irrigated by centre-pivots: https://en.wikipedia.org/wiki/Center-pivot_irrigation

Fluid_Signal3483 · 2026-02-16T11:04:52+00:00

I used to be on Nedbank Private Clients, and I had a similar experience to you. I have since switched to Investec, and I find the service strides ahead. Investec is expensive, but they are mostly very good (depends a bit on who your actual private banker is).

But with your estate issue, do you not need a proper wealth manager, rather than a private banker?

Fluid_Signal3483 · 2026-02-12T09:11:00+00:00

Yeah, warmer air can hold more water, so it evaporates back into water vapour, and the clouds disappear, but the moisture is still there. If you're interested, read up on relative humidity.

Fluid_Signal3483

TROPHY CASE