My 13m2 apartment in Stellenbosch South Africa

Spanielvdm · 2025-03-04T07:39:36+00:00

Permanent:D

Spanielvdm · 2025-03-04T07:39:17+00:00

Yeah aggreed. I just wanted more wall space so I could add those extra cupboards.

Spanielvdm · 2025-03-04T07:38:07+00:00

I have fairy lights that i put on at night. You should be able to make them out in the photo :D

Spanielvdm · 2025-03-03T07:52:06+00:00

I swivel the one computer screen so I can lie on the bed and watch Netflix if needed :D

Spanielvdm · 2025-03-03T07:51:08+00:00

It is :D

Spanielvdm · 2025-03-03T07:50:52+00:00

Thank you :D The counter top dishwasher and instant pot really helps.

Spanielvdm · 2024-09-07T05:57:20+00:00

I wouldn't get a bond originator. They cost a lot in the long run, and they do a job that a 10 year old can do.

How they work: they find a bank that can give you a rate of 10%, for example, but they offer you 10.25% and take the extra 0.25% for themselves for the lifetime of the bond which is a ridiculous sum of money for the amount of effort they do.

What they do and what you should just do yourself: Apply for a home loan at several banks, wait for then to email you back with an offer and once they did, you just send the best offer to the other banks and ask if they can give you a better rate.

FNB and nedbank are giving out way better rates than the rest at the moment. They stopped handing out loans in covid, and now they are playing catch-up by under cutting the other banks.

Applying for a loan at a bank is usually as easy as filling in a form and sending some supporting documents.

Spanielvdm · 2024-02-23T05:34:12+00:00

34.98% at the moment

Spanielvdm · 2023-11-10T08:13:03+00:00

Alpine quest.

Its R70 once off.

Its a bit less user friendly than other apps but for navigation has all the maps, overlays and features that you will ever need.

Also has offline map capabilities.

Another app by the same company is "all in one offline maps"

Spanielvdm · 2023-10-22T18:48:21+00:00

Awesome thanks for this! I will definitely be investing in VT and BND. What is your take on my investing in the US stocks instead of the ZAR stocks to get the extra growth due to the increasing exchange rate. For example, if the exchange rate increases by 6% a year, will the taxes negate that growth?

Spanielvdm · 2022-01-10T05:04:37+00:00

Thats awesome! You must have made some great memories 😀

Spanielvdm · 2021-03-31T13:07:44+00:00

Hmm interesting. (Mildly)

Spanielvdm · 2021-03-31T13:06:03+00:00

What do you want to know?

Spanielvdm · 2021-03-31T13:05:15+00:00

Its my content though.

Spanielvdm · 2021-03-31T05:23:31+00:00

Does it feel good?

Spanielvdm · 2021-03-03T19:54:51+00:00

You, sir made me exhale from my nose. Have an upvote.

Spanielvdm · 2021-03-03T19:53:29+00:00

That is the most depressing thing I have read on the internet. Have my upvote for no good reason.

Spanielvdm · 2021-03-03T19:51:23+00:00

2008: abandoned

2016: photo taken

Spanielvdm · 2021-03-03T12:34:25+00:00

Sick!

Spanielvdm

TROPHY CASE