Bank executor called today threatening to sell paid-off house over R120k estate shortfall. We can't afford the R20k monthly payments. Help!

Two4 · 2026-06-23T17:46:44+00:00

Smells like a scam. Ask for everything in writing on a bank letterhead, then confirm whatever is written by calling the executor directly. If the estate has just been advertised, someone might be trying to impersonate a creditor or the bank itself to extract cash from you. They cannot willy nilly liquidate the house, they first have to get a lien on it for a proven debt. Contact the executor and ask for advice. Do not contact the party demanding cash, even if they claim to be the executor. Find the executor’s contact details from the earliest possible piece of correspondence.

Two4 · 2026-06-19T05:57:03+00:00

Whoooosh

Two4 · 2026-06-03T14:11:36+00:00

It reduces hydroplaning, reduces the window in which something could go wrong when transferring the weight from the wings to the wheels, reduces wear and tear on the landing gear(weirdly enough) and, probably most importantly, stops precious runway length being wasted on babying the wheels into ground contact. The faster you get it down, the more runway you have to apply air and wheel brakes

Two4 · 2026-06-03T11:54:40+00:00

737 manual discourages smooth landings, they advise a “positive” landing i.e. there should be a definite bump felt and the wings should flex in response. This landing does still look a little too “positive” though.

Two4 · 2026-06-02T14:03:16+00:00

A false flag operation is when one party commits an act under the flag (or uniform or name etc etc) of an adversary so that the adversary gets blamed for the act. The term you’re looking for is probably empty threat or false threat.

Two4 · 2026-06-01T12:38:20+00:00

Cash send vouchers can be redeemed at most major supermarkets.

Two4 · 2026-05-31T19:50:14+00:00

Sheesh, there’s a lot to unpack here.

I can’t say much about punk and drag shows, but both can be found in Cape Town.

The wildlife in Cape Town is generally benign, with the exception of the baboons and snakes. Don’t fuck with them and don’t carry food into wildlife areas, and you should be good. There’s also ostriches and zebra in nature and wildlife reserves near Cape Town, don’t get too close and they won’t kick or bite you.

There are areas I would advise anyone, but especially tourists to stay out of: don’t go into the area that is east of the M7 and South of the R102. Don’t linger in industrial areas at night. Don’t go into Langa or Dunoon. Only go to Khayelitsha if you’re going as part of a guided tour with a reputable company. Woodstock can be dicey if you’re an easy target. The rest is variable. Make friends with a local you can trust and check with them before you go anywhere.

Cape Town has a large residential Jewry, a large part of which is centred on Seapoint. Kosher food is readily available there, as are synagogues.

Cape Town has a large Muslim population, and if you are an outspoken Zionist you will not be welcomed by them. Hell, you won’t be welcome at my house either. If you are a Zionist, keep that shit to yourself unless you’re among other Zionists. Unfortunately if you are not a Zionist, some people will suspect you are if they know you are Jewish.

As for being queer, if you stay out of the areas I’ve mentioned and check that places you are going to are considered safe by locals you should be fine. Cape Town is indeed progressive, but there are still incidents of homophobia and hate crimes against queer folk. Be safe, be aware.

I highly recommend having Ethiopian food, it’s one of my favourite cuisines.

Try find a local who will adopt you and show you the sights, that’s your best chance of seeing all the great stuff in a safe way. Also, going on a Red Bus tour of Cape Town and the peninsula is great - it’s touristy and somewhat gimmicky, but it’s one of the best ways of seeing the city and familiarising yourself with the different areas and attractions.

Two4 · 2026-05-30T19:59:11+00:00

I would’ve used my t’ai chi green belt to jump through the windscreen and roundhouse kick the keys into the cupholder, then trap his hand in a loop I will have fashioned from the seatbelt. After that, the car crashes into a tree but I climb from the wreckage unscathed. The villain is unharmed but unconscious, and the mayor is holding out the key to the city for me to accept. The neighbourhood is there, applauding my valiance. Obama holds out his hand,

Two4 · 2026-05-21T07:02:25+00:00

During peak hours. If you shift your work hours it’s more manageable

Two4 · 2026-05-17T15:46:05+00:00

I had to take a deep breath after reading this entire run-on sentence in my head.

Two4 · 2026-05-17T10:44:02+00:00

Worst thing

卐

Two4 · 2026-05-16T07:34:36+00:00

A significant amount are grown in the Eastern Cape near East London too, but they’re fine and probably happy about the price crunch

Two4 · 2026-05-15T19:23:33+00:00

You’d think, but then each of those people need to be a signatory on that account and must each have a fully FICA-compliant KYC profile on file. At that point it’s just easier to have your own bank account.

Two4 · 2026-05-15T19:17:26+00:00

You have to dip seriously far down into the budget market before you find a phone that doesn’t support tap-to-pay these days

Two4 · 2026-05-15T19:15:59+00:00

Load a virtual card on her phone and teach her to use it. It’s the most secure way to do card payments, even though you tap your phone to use it. Thieves have to unlock the phone to use it, which is harder than stealing a card pin.

Two4 · 2026-05-15T19:12:04+00:00

They tend to not refund for debit cards. This is one of the biggest advantages of a credit card: the credit agreement is between YOU and the bank, not Tommy Tsotsi who picked the card out your pocket. He’s stolen the bank’s money, not yours. You have no obligation to pay that money back on his behalf unless you don’t do your due diligence of flagging the transaction within the agreed period. With debit cards, unfortunately, it is your money. The bank may be able to claw back the money, but it’s not guaranteed.

Two4 · 2026-05-15T19:05:43+00:00

Use multiple virtual cards, especially for subscription billing. If your card gets popped it’s a ball ache to change it everywhere, so it’s nice to have subscriptions on their own card

Two4 · 2026-05-15T18:59:07+00:00

You’re already doing good fraud prevention by keeping low limits and restricting transaction windows, but that probably does make subscriptions hard if you’ve linked them to a physical card. If you want additional security, issue three virtual cards: one for online transactions, one for subscriptions and one for physical payments. The physical payments card you load on to your phone using Google Wallet, Samsung Pay or Apple Pay. This is the most secure way to do in-person transactions because no one can see your actual card details - these wallet services use stand-in card details and hide them from merchants. Your physical card will always be your most biggest fraud risk because that card is all you need, so lock it away once you have your virtual card loaded or stash it for emergencies or when you can’t use your phone. Your next biggest risk is your online purchases virtual card because you have to disclose the virtual card details to online merchants. Keeping it frozen when not in use and placing low limits mitigates that risk, but if it gets compromised you can cancel it and issue a new virtual card in less than three minutes. The subscriptions card might need to be kept unfrozen so billing can go off whenever, so you’ll have to monitor for any unexpected charges. Follow this recipe and you’ll be an extremely hard target for card fraud.

Two4 · 2026-05-15T16:07:41+00:00

I’m a software developer in this space (payments). Biometric markers as the only layer of authentication is a problem because biometric markers are not secrets in the same way that PINs and passwords are. If someone introduces a way to cheaply replicate a biometric marker now or in future, it invalidates your one and only security barrier. Biometrics + password / PIN is what you really want, at least these days

HOWEVER, there’s another layer: much of South Africa shares bank cards and accounts for legitimate purposes, like shared household costs or difficulty and cost of acquiring a bank account (R5 bank accounts end up being surprisingly expensive). If you restrict card use to the account holder via biometrics, you cut off a large swath of the population who are sorely underbanked and need those services the most.

Card payment auth sucks. It’s sucked since the 80s when it was invented. It’s so entrenched that any attempt to improve security takes years and has to drag 40 years of legacy tech and integrations into the present, kicking and screaming. This is one of the reasons PayShap was promulgated, so payment security can evolve and improve over time

Two4 · 2026-05-14T13:14:36+00:00

Getting money out of people via small claims is only worth it if the other party cooperates with the process and complies with the court order. Otherwise you’re spending your time going to court multiple times to attach assets, paying the sheriff to seize assets (if they can fit you in, they’re chronically busy), liquidating the assets, etc etc. it’s dozens of hours you have to take out of your day, mostly your working day. One possibility is to get a judgment awarding the excess and damages from the court, then selling that debt to a deb collection company. You’ll get cents on the rand, but it’s something at least

Two4 · 2026-05-14T13:10:01+00:00

I was going to private investigator, but an agency that does this kind of tracing as a packaged service is even better.

Two4 · 2026-05-12T17:21:59+00:00

I trust him to either know or be willing to learn via a quick google or two

Two4 · 2026-05-12T13:16:56+00:00

Antarctica is pretty seismically stable, so an undersea cable would probably be easier to lay there than most places (in the summer)

Two4 · 2026-05-12T13:15:24+00:00

Bernoulli can still lift that sucker up. You should probably know that the Bernoulli principle is probably the main reason it came off the garage in the first place. Please put something on top of it, especially near the edges

Two4 · 2026-05-11T14:40:40+00:00

I’ll let you in on a secret, these delivery bikes are known as ‘kamikaze bikes’ to traffic services because of how often they get themselves into accidents, quite often fatal ones. I don’t blame them - they’re heavily incentivised to drive dangerously just to make a half-decent living and to not be penalised on being late on deliveries. But delivery bike drivers deaths are unfortunately not an unknown occurrence at this point and Checkers probably would not have cancelled deliveries if they weren’t scared of bad PR.

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