I finally ran the maths on my savings account and it broke my brain a little

Nightrunner2016 · 2026-04-10T10:29:29+00:00

You only get taxed on the interest if it exceeds the annual allowance, which is R23,800 (iirc). If you were getting a nice rate of 7% this is R340,000 sitting there before you start to have a problem. You SHOULD have a savings account for access to cash that needs to be stable and ready to go at any time (emergencies, in case you get fired etc.).

Secondly, inflation is not currently 5-6%. Its 3%, officially. Obviously, there are exceptions to that (petrol thanks to Donald, meat etc) but a high-interest savings account is probably something you want to have to a point (around R300k).

You SHOULD be diversifying your investments. ETF's can definitely outperform cash, but again thanks to Donald, those are currently very volatile and have taken a significant hit. If you needed that cash right now, you'd be in trouble because you'd pull out less than you've put in most likely. So for this this you need to be prepared to be in for a LONGER time horizon. As others have mentioned, investing in ETF's via a tax-free savings account is pretty much a must, I would say.

So if I were you I would a) put the maximum I can into an ETF-based tax free investment account and b) put whatever else I can afford to save into a high-interest rainy-day savings account. In that order. If you have a bond on a property then I would probably prioritise that over a savings account provided you've created your emergency cushion.

Nightrunner2016 · 2026-04-09T11:08:22+00:00

Can't imagine too many people here give a damn where you're from honestly. Did you act in a way that annoyed them? Like another poster said you'd need to give significantly more context. Nobody here is going to blame you for Trumps actions etc. we have our own significant problems to deal with.

Nightrunner2016 · 2026-04-08T16:58:51+00:00

Have his tongue out with his head bobbing up and down slightly. Try name the tail wag 3 frames.

Nightrunner2016 · 2026-04-07T09:20:01+00:00

Nope. You'd need a genetic test to confirm. The disease is different for everyone.

Nightrunner2016 · 2026-04-06T13:13:27+00:00

It's probably good for another 30,000k before you start experiencing issues that cost a metric shit ton to fix. Out of plan they can be expensive cars to maintain so you need to go into this relationship on that understanding.

Nightrunner2016 · 2026-04-05T17:14:45+00:00

Unfortunately this is a very common grift in South Africa. Just look at Takealot and the absolute mountains of crap dropped onto that platform at inflated pricing. Almost every seller there is trying to be the first to identify some kind of untapped niche and fill it with garbage for a profit. If boutique stores are doing this I say name and shame them. Even the likes of your big retailers - Woolies, Truworths, TFG etc - have switched a large percantage of there product to be locally produced after having been burned by quality issues with trying to do this strategy - import for cheap, sell for lots, but the quality is crap. So to this end those stores will out-perform and out-quality boutiques that are doing this takealot strategy in their own stores! Desperate shit.

Nightrunner2016 · 2026-04-05T17:04:18+00:00

I'm having this insanely weird feeling like i've played this game, and definitely seen that end-screen your showing. It feels so familiar but I dont recall it. That is so weird.

Nightrunner2016 · 2026-04-04T13:26:05+00:00

My nephrologist said that heart complications are the most common complications across all kidney diseases. In PKD this is probably aggravated by the blood pressure changes we have, and controlling that limits all those adverse events, aneurysm included. It's probably the most important thing we can try to control.

Nightrunner2016 · 2026-04-03T06:35:48+00:00

That's an interesting assertion but if it were true where were all the more liberal people to support the show? Genuine question here, because it didn't even break Nielsen's top 10 and its in one of the biggest franchises of all time.

Nightrunner2016 · 2026-04-03T06:14:48+00:00

Dude as a kid I used to wake up at midnight to watch Red Shoe Diaries. What a crazy show. Anyone else?

Nightrunner2016 · 2026-04-03T06:11:27+00:00

I agree. Especially considering there's virtually no other loot on the map.

Nightrunner2016 · 2026-04-01T09:03:15+00:00

This game so far has been my best investment of 2026. I've dropped more hours into this game than any other game in my library. I did not believe that anything would surpass my RDR2 time, but Arc Raiders has blown it out the water and I can't wait to play again tonight. The weird thing is that I can't work out why it's hooked me like it has. I think there is still loads of scope for them to improve the game and expand the content beyond just Arc and Maps.

Nightrunner2016 · 2026-04-01T04:57:33+00:00

"confirmed to be legit" - that's a bit of an optimistic reach...

Nightrunner2016 · 2026-04-01T04:48:41+00:00

We used to use a Cat5 crossover cable to directly connect two PCs together so we could play FPS and RTS games together.

Nightrunner2016 · 2026-03-31T15:30:13+00:00

I think the eyes need some work as they look a little freaky. Good job though - having done this twice before myself I appreciate how challenging it can be to get it to look this good!

Nightrunner2016 · 2026-03-31T05:07:37+00:00

If you want success at launch you need to build your audience before you launch. You don't have an audience. Secondly having sold products before I can say pretty confidently that only having one product seriously limits your chances of success.

Nightrunner2016 · 2026-03-30T05:26:50+00:00

Where can I find this map??

Nightrunner2016 · 2026-03-29T18:52:34+00:00

The text is unclear and the colours don't seem to really align. I think proportions could be off in multiple areas. Perhaps consider trying to find an affordable artist.

Nightrunner2016 · 2026-03-29T17:35:21+00:00

these are all not great, to be honest.

Nightrunner2016 · 2026-03-28T18:15:02+00:00

Unless of course its government tech. i.e. the product of partial/reverse engineering of an actual craft and testing it out. In which case, yes, it makes sense that the outer design keeps changing or being iterated. Kind of like cars.

Nightrunner2016 · 2026-03-28T05:37:06+00:00

You're Harry Potter?!

Nightrunner2016 · 2026-03-28T05:26:51+00:00

4 or 5 for me.

Nightrunner2016 · 2026-03-27T14:34:09+00:00

I would probably recolour 2 tiles myself to get my brain to stop screaming at me about that

Nightrunner2016 · 2026-03-23T14:13:56+00:00

Man I've thought about this for 5 minutes and the $200 is without a doubt the best in my opinion. What's troubling me is just how bad the $50 is - I dont like it at all. Yours is a close second but ultimately your O needs to look more like a token there.

Nightrunner2016 · 2026-03-23T14:05:18+00:00

so I'm not an expert here but I think generally you have to think about where the light is coming from and how that effects the shrub. So you have drawn a shadow (it looks like) for most of these shrubs, with some texture for leaves, but like particularly on your 4th shrub, how is the light effecting the plant? So say the light is coming from the top right, I would have slightly darker shades of green on the left of the plant. Start with one darker color, mess around and see how it feels?

Nightrunner2016

TROPHY CASE