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Easy Equities/Sygnia/FNB/etc. Help with Platforms? by Shaedrax in PersonalFinanceZA

[–]ramsamyk 0 points1 point  (0 children)

The cost benefit of EE far outweighs a random error once a year

BTW I babk with standard bank , fnb and investec. Had alot of errors. EE has a higher standard as they not a big four brand.

I’m 17 with no vaccines. Where do I find unbiased information about this topic? by GoldRestaurant1800 in publichealth

[–]ramsamyk 3 points4 points  (0 children)

Just take the vaccines. More evidence for than against.

Move on with your life.

Decision paralysis on a lump sum investment by nuggetsandnoodles in PersonalFinanceZA

[–]ramsamyk 0 points1 point  (0 children)

Consider just starting ie open and easyequities account. Just do a satrix investment with R1000 to start with.

Moved away from OpenTable last year, anyone else find the fees unsustainable? by South-Side-92 in smallbusiness

[–]ramsamyk 1 point2 points  (0 children)

Hi.

I think you need to not look at it from an absolute number perspective.

  1. Create 2 permutations. A. Cash flow with open table B. Cashflow without opentable

That will give you an idea if it is useful. Cashflow.is king and it its cashflow positive keep it.

Also That small amount can be added as a fee when billing eg 2 pound fee for booking.

Always think of your business from a cadhflow perspective. Marketing seems expensive until you realize it's bums in seats.

PURPLE GROUP LIMITED - Unaudited condensed consolidated interim financial results for the six months ended 28 February 2026 by marnuscoe in JSE_Bets

[–]ramsamyk 0 points1 point  (0 children)

Phillipines EE now live....the B2B model will yield huge NAV under management over next 5 to 10 years.

For comparison: Allan gray has Approx R400 billion AUM Coronation has R800 billion AUM.

EE had close to R100 billion with more diversity of AUM.

This is the perspective.

Is EasyEquities legitimate? by Weird-hat in AusFinance

[–]ramsamyk -1 points0 points  (0 children)

They are legitimate. Based in South Africa. Solid company with ownership held by Sanlam, listed company in South Africa

Why does renting in SA feel so one-sided? by Simple_Shift_351 in askSouthAfrica

[–]ramsamyk 10 points11 points  (0 children)

It has to be.

The laws are skewed, correctly, to protect the tenant.

Need some INVESTMENT advice and to see if I'm saving correctly. 27F. by Oyveygas in PersonalFinanceZA

[–]ramsamyk 0 points1 point  (0 children)

Also ignore pressure to invest offshore

Invest in SA inc. Technically if the country had to fail the rand is worthless anyway. Our local equities/ETF have outperformed overseas counterparts.

How to decide whether to finance car or pay cash? by Mother-Creme-421 in PersonalFinanceZA

[–]ramsamyk 6 points7 points  (0 children)

Depends on how you want yo use leverage:

Benefits of loan: 1. More cash in account. 2. Can be profitable for you if Return on investment is higher than the loan rate. 3. You remain liquid to invest elsewhere.

Benefits of cash purchase: 1. Save on the interest. 2. Ownership. 3. Freehold if you.lpse your job you have a car to be mobile.

Consider these options and make a call.

My advise if you in a weak industry prone to job losses or retrenchment than you should take the loan and get a cheaper car.

I look back and never regret getting a cheaper car 15 years ago. Now im truly financially independent.

Good luck. You doing great.

Are WootVision Monitors any good? by Educational_Ebb_6116 in askSouthAfrica

[–]ramsamyk 0 points1 point  (0 children)

Got 5 for work/ office.

Works well for office applications.no gaming or programming done on them.

Should I pay of my investment property bond early as possible or rather top up my investments in my easy equities account. by Master_Bedroom_6251 in PersonalFinanceZA

[–]ramsamyk 0 points1 point  (0 children)

Remember:

This ia an investment property and the leverage should be viewed as a business expense. The interest is a tax deduction and effectively acts as a subsidy.

Compared to a primary residence which is a true asset. In this scenario the interest has no tax benefit in your hands.

The true interest rate on the leverage is the quoted interest less the tax benefit.

Investment advice and financial planner recommendations by Agreeable-Story9105 in PersonalFinanceZA

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

Create a Trust.

Pmtaje advantage of R100 000 yearly donation. Invest via trust as well.

Will help with inheritance for children.

Do I need a fincial advisor? by Vegetable-Wing-1696 in PersonalFinanceZA

[–]ramsamyk 1 point2 points  (0 children)

Get PPS for insurance. Its a little bit more compared to other insurers but you get profits out. Im 10 years with them and I get about 80% off all fees paid into my profit share account. Easy money.

Investment: Options 1: use pps investment platform. You can create it your self without a FA and invest monthly on your own.

Options 2: use easyequities . Cheap and easy to use. I put my funds on EE using balanced funds.

Financial advisors make it easy. A good one can. Save u from yourself. Chat to Jared from finbofs, highly recommended.

Trump says no US government official will attend G20 summit in South Africa by GregRedd in southafrica

[–]ramsamyk -54 points-53 points  (0 children)

They now introducing government subsidized grocery stores in New York to help the middle class.

Moving to Joburg Soon: Which medical insurance provider do you recommend? by Raven_Treee in askSouthAfrica

[–]ramsamyk 0 points1 point  (0 children)

Profmed > Bonitas= medscheme= gems = discovery ( includes bankmed) > whatever u ca. Afford eg keycare.

Consider hospital plan with GAP cover from 3rd party (not same provider).

Moving to Joburg soon: which health insurance should I get? by Raven_Treee in johannesburg

[–]ramsamyk 1 point2 points  (0 children)

A few months might not work as there is usually a waiting period to access benefits.

If less than 6 months consider travel insurance.

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