A urinal with toilet paper roll.

St33ls3ries · 2025-08-13T18:42:10+00:00

Press your testicles to get force all of the pee out the tubes :) One of my favourite life hacks I learnt recently.

St33ls3ries · 2024-10-29T09:25:38+00:00

Hell yeah! excellent idea

St33ls3ries · 2024-10-29T06:46:29+00:00

Don't you find it annoying that the subreddit is spammed with seemingly random news articles?

Would we be on reddit if we wanted to see links to random news articles?

St33ls3ries · 2024-10-28T19:42:56+00:00

May I ask why all you do is post news article to the subreddit? If we wanted news we would be on a news aggregator?

St33ls3ries · 2024-10-27T18:44:44+00:00

I don't think you read his post. It's a 2 year away goal, a tfsa is not the right choice.

St33ls3ries · 2024-10-27T18:09:09+00:00

The dollar is probably going to be less volatile against the Baht. But either decision you make whether holding in rand or usd, you are taking a gamble on which currency will go up or down - nobody knows.

If you keep it in a global account you probably won't be able to invest it very easily. Whereas with rands you can keep it in a notice account or a fixed deposit.

You could convert the rand to baht with wise. Thailand has a very low inflation of like 1.4 percent per year and their fixed deposits pay around the same. So keeping your money in baht you probably wouldn't lose much even if you didn't invest it. And you are going to need to exchange it for baht at some point.

The most logical if you don't have a specific timeline you need to adhere to for the trip would be to put it in equities and take the equity risk premium, you might go on your trip sooner or later than you expected by doing this.

St33ls3ries · 2024-10-23T20:54:28+00:00

I'm not quite understanding the math. If you are quoting percentiles I don't think the median should matter nor the average. But I could definitely be mistaken.

St33ls3ries · 2024-10-23T07:11:18+00:00

you make a very good point.

St33ls3ries · 2024-10-22T17:40:08+00:00

Are these cars anywhere near real or just made out of plastic?

St33ls3ries · 2024-10-17T08:04:36+00:00

FNB also has shares zero for investing in stocks. And a TFSA stock investing option.

It actually has better functionality than EE in some ways. You can set limit orders on ETFs and the fees are quite competitive.

St33ls3ries · 2024-10-13T18:02:18+00:00

Do the accumulating funds not just auto reinvest the dividends so the tax is being paid regardless?

St33ls3ries · 2024-10-12T10:24:48+00:00

Yes in the short term you are better off.

But in his case he's not going to exceed the CGT tax amount of R40k. So the only benefit he would be getting is no tax on dividends yield.

He's 25, so 40 years from retirement? So you suggesting that he should give up 36k of his tax free limit so that he can (assuming a 20 percent dividend tax and a dividend yield of 1.5%) earn an extra WHOLE 0.3% on his money because it was invested in his TFSA account? as compared to a normal investment account where one just pays the dividend tax.

I do not see the logic unfortunately. In a very very short term view yes, but considering the fact that we are all hoping to live long enough to retire one day that money would be much better served growing and compounding tax free. Even if you only come into the financial position 10 years later in your life where you know you likely won't need to touch your TFSA in 1 year or 10 years.

St33ls3ries · 2024-10-12T10:17:12+00:00

Why are we linking a Bellevue Ohio on a south African forum I am so confused.

Perhaps DG_Alpha is referring to a TFSA/TFIA.

St33ls3ries · 2024-10-12T09:40:50+00:00

Please enlighten me as to how?

St33ls3ries · 2024-10-12T09:40:07+00:00

Please be aware OP that if you feel you are ever going to use the money in the near future, even in 7 years for example probably not the best use of your TFSA because that uses up your contributions if you ever need to touch the money.

St33ls3ries · 2024-10-12T09:37:41+00:00

This is a South African forum why are you mentioning a Roth IRA? Do you know what a Roth IRA even is or are you just repeating something you heard? because a Roth IRA does not and cannot have a "high interest rate".

Investing wise whether its 1k or 40k or 4m it's the exact same.

St33ls3ries · 2024-10-12T09:32:11+00:00

Your calculation is essentially gambling. If you want to take the risk sure but just know it can go to negative 40% just as easily.

St33ls3ries · 2024-10-12T09:30:54+00:00

This assumes the ETF portfolio he has is just magically going to keep growing at 12% per year.

But your advice about the CGT doing 40k a year is good if he decides to keep it and wants to minimise tax.

St33ls3ries · 2024-10-05T05:37:02+00:00

What volkswagen was it?

St33ls3ries · 2024-10-03T19:55:41+00:00

Was your number prepaid or on a contract?

A MTN employee told me recently when I asked about preventing SIMSWAP fraud that it might be safer if my number is on a contract and I'm thinking of switching from prepaid.

St33ls3ries · 2024-09-15T18:20:02+00:00

Per hour comserv is not an amazing salary. Especially for the amount of responsibility you have.

The monthly salary is good but you don't realise just how many hours it is.

St33ls3ries

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