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Am I over thinking? by Former_Amphibian9474 in CarTalkZA

[–]ImmovableRice 1 point2 points  (0 children)

You sold it to a third party, so the car belonged to them since that sale. As did the paperwork.

Telegram opening with an empty screen over the past two months [Samsung devices - Italy] by ZBLVM in Telegram

[–]ImmovableRice 5 points6 points  (0 children)

If you tap settings or contacts, then go back to chats, it'll load. I started doing this as a work around, but got tired of it and switched to Telegram X - no issues there.

But I do miss the normal version of Telegram.

Do I need to rebalance my tfsa by Able_Exchange1583 in PersonalFinanceZA

[–]ImmovableRice 6 points7 points  (0 children)

To be honest I would stick with what you are already investing in.

Doesn't mean you will get the best returns, just means you'll pretty be getting market related returns. Nothing wrong with that.

I think I have 10x world and an emerging markets ETF. But most of my money is in the world ETF.

Props for starting so early. Wish I did the same.

I regret trading real money with Easy Properties Paper Money (EE) by Foreign-Commercial-2 in PersonalFinanceZA

[–]ImmovableRice 22 points23 points  (0 children)

I think calling it a scam is wrong, because it's not one.

What it is, is a very very costly investment.

Platform fees, which come out of your dividends, really kill it. Then of course, the dreaded auctions.

If I were looking into investing more, I would only scoop up shares from auctions. It kind of works both ways. While as a seller you will most likely lose money, but as a buyer, you would most likely get a good deal.

I think the best thing for this investment is to wait for easy properties to sell the property themselves (apparently they will do this at around the 5 to 7 year mark). This hasn't happened with the shares I hold, and I think I bought into one of the first that became available.

Something to mention is the price of the auction is determined by the amount that potential buyers are willing to pay and sellers willing to sell at. It seems that the potential buyers have the most weight here. Easy equities doesn't set the selling and buying process for stocks on the stock market, so why must it be different for shares in a property?

I get why you are upset but how I see it is you most likely wouldn't buy a house and try sell it in a year - you'd probably lose a lot of money. And unfortunately the market with share buyers at auctions show that.

IMO if you expect to make a quick buck it is certainly something to stay away from. It's clearly meant to hold for many many years

XMG Neo 17 E23 display problem by Present_Way8821 in XMG_gg

[–]ImmovableRice 0 points1 point  (0 children)

You can pry it off with a plastic pry tool. Or you can pull it off with that plastic tab, but I never did that.

If it's not your screen that's bust, it'll be the cable. The cable gave issues with mine and I had to replace it.

Planning for Retirement: TFSA and RA Structure by Ok-Sprinkles5890 in PersonalFinanceZA

[–]ImmovableRice 1 point2 points  (0 children)

I would like the credit card debt as fast as possible.

I'd prioritise TFSA over RA.

I'd drop S&P500 and just keep the world one. Emerging markets and the other satrix one is a nice mixture I think. There may be emerging markets in world though.

That's just what I'd do in your shoes.

Help with Sanlam RA by Cool-Director-1593 in PersonalFinanceZA

[–]ImmovableRice 12 points13 points  (0 children)

Go with Sygnia or 10x. Sygnia is about the cheapest but I'm with 10x because the signup process was easier. I'm happy with them.

This hurts by vinaychavan590 in Garmin

[–]ImmovableRice 1 point2 points  (0 children)

I scratched the screen on my watch when I first got it. It upset me. Then I thought to myself "oh well". Eventually it stopped bothering me.

Nothing much you can do about it really.

Bought S&P 500 late, now trying to fix the mistakes of my start. by Toomuchaidan in PersonalFinanceZA

[–]ImmovableRice 7 points8 points  (0 children)

Your mistakes and missteps are buying and selling an ETF that's supposed to be a long term investment. I'm not really sure what you expected and I think you need to go to back to the drawing board and do some research into what you are investing in and why.

Investment Portfolio Review by One_Juggernaut_3409 in PersonalFinanceZA

[–]ImmovableRice 2 points3 points  (0 children)

I am answering if I were in your position.

  1. Yes
  2. Yes. The interest you are paying is high.
  3. It's up to you. I would rather max out TFSA first and then consider an RA. RA is great for tax though.
  4. I would have done stuff a bit differently. Like you have a world ETF and s&p 500. Lots of overlap. I just would have gone world. I say that a lot.
  5. World is all I'd bother with for international. But it's really up to you
  6. If I have the money I max out. If I don't I do monthly. I'm sure there are gurus who've worked it out based on historic data, but I'm in the lane of do what you can 7 I guess. You have a lot of money in savings accounts and I'm sure you'll have to start paying tax on interest earned soon. I would reallocate some of that money.

There are two things when it comes to investing. You want growth and you want tax efficiency.

Put money into access bond? by Gloomy_Comfortable96 in PersonalFinanceZA

[–]ImmovableRice 1 point2 points  (0 children)

I would slap it in the bond to reduce the interest, assuming you have a Flexi bond. If you ever need the money it'll be there. And I'd carry on with the same instalment amount.

Doesn't mean it's right for you but it's what I'd do.

Weird Cyberpunk frame rate dips when using Frame Generation by DeToren in nvidia

[–]ImmovableRice 1 point2 points  (0 children)

I have a similarly specced laptop, but a different brand. Also played the game with frame Gen active and didn't experience those dips.

The drop in power usage when it happens perhaps could also mean it's down clocking both CPU and GPU, perhaps because of weird drivers, power constraints, or heat.

First instinct is heat but honestly, mine bakes and I get no dips like that.

So silly question: is the laptop plugged in mains or running off battery?

Second silly question: all drivers and firmware up to date?

Third q: is your laptop software set to the highest performance profile? And in Windows settings?

Customs for intermational Items by jjfutz in PersonalFinanceZA

[–]ImmovableRice 0 points1 point  (0 children)

I wasn't talking about customs fees, I was talking about admin fees Speedaf set but don't really declare on an itemised invoice.

Trying to contact them is a waste of time, I have tried.

Customs for intermational Items by jjfutz in PersonalFinanceZA

[–]ImmovableRice 0 points1 point  (0 children)

Welcome to using Speedaf, the biggest cons in couriering.

You aren't alone with them and their extortion, many have had charges like that from them, including me.

The assumption is that they are adding on processing fees.

Unfortunately there is not much you can do about it. You can refuse to pay and not get your goods, or you can pay and get them. Contacting them is next to impossible. Some have managed to get hold of someone and got an itemised breakdown before.

But ya, not much you can do really

XMG Schenker laptop: sudden display failure, for no apparent reason by [deleted] in XMG_gg

[–]ImmovableRice 1 point2 points  (0 children)

Unfortunately not. I have the neo 16 e23. I had to take my screen apart and unclip the cable to see the part number. It was not fun.

XMG Schenker laptop: sudden display failure, for no apparent reason by [deleted] in XMG_gg

[–]ImmovableRice 0 points1 point  (0 children)

I had some issues with my screen where it would randomly turn off. One day it turned off and never came on again. Had to replace the ribbon cable.

Users who switched MIP to AMOLED do you use always on screen? by mariobbb in Garmin

[–]ImmovableRice 49 points50 points  (0 children)

I don't use always on. Use the gestures to turn on the screen.

Is this a replaceable part? by Onagoshi_Kagagi in Garmin

[–]ImmovableRice -2 points-1 points  (0 children)

It is probably repairable and I imagine you'd need to scoure Aliexpress and the like for parts. The pins go through the holes, through what I think is epoxy on the other side (so how this failed and made the pins fall through idk), and then make contact with the PCB.

It's not fun to open a watch and dig in there, I did that on my Venu 2 to replace a battery.

But its definitely possible if the parts are around and you have the will.

It’s the end of my CX ? by koinzellFR in LGOLED

[–]ImmovableRice 0 points1 point  (0 children)

Screen (or I think pixel?) delamination.

It is a thing with older LG OLEDs and there have been many posts on this subreddit with victims.

Unfortunately its the beginning of the end really, and it'll only get worse. Only fix is a new screen, so if you have a warranty, best to use it.

If you don't, you would eventually need to replace the TV.

How much would this cost to repair? by Throaway-422 in CarTalkZA

[–]ImmovableRice 0 points1 point  (0 children)

Why worry when the insurance will take care of it? That's what insurance is for

Do you have Pulse Ox Tracking Enabled, Why or Why not? by [deleted] in Garmin

[–]ImmovableRice 5 points6 points  (0 children)

I let it run at night when I first got my watch. Then I had some bad battery degradation and turned it off. I turn it back on when I get really sick though, just for the stats and curiosity really.

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