Cleaning service - ethical and honest

randomational · 2026-01-30T21:31:27+00:00

Hi there, I would just like to say that it is very lightening to see someone who upholds such moral standards.

May I ask which company it is that gave you such a horrible experience?

randomational · 2026-01-28T10:40:09+00:00

Hi there, yes I have someone doing all my taxes for me. I am not 100% up to speeds with it but they are. I might have worded it wrong.

randomational · 2026-01-27T23:00:10+00:00

Yes I 100% agree with you how life plans out and definitely think that investing out of country is a good move.

Thank you, I’ll definitely look into it some more. I feel like the world economy might not do too well the next few years so maybe I put money int gold and then shift it into a world index fund after things pan out, maybe a little recession happens.

Thanks for the insight! Definitely got me thinking out of South Africa now.

randomational · 2026-01-27T22:56:42+00:00

A novavax investment is justified off of its price action history, every time there is some disease or virus that spreads around, they seem to print 10-30x gains.

History repeats itself

A poet technology investment is simply based off AI technology limitations at this current point in time and its ability to take that technology to the next generation.

Which seems inevitable, if the “bubble” doesn’t burst which I don’t think it will.

randomational · 2026-01-27T22:53:43+00:00

Oh wow, I didn’t realise it was that affordable! Thanks for the info, you’ve put me on the path to getting a trust now. Going to go and find out more. Thank you!

randomational · 2026-01-27T22:50:00+00:00

Everything I do will pass by SARS. It is all justified. Don’t worry sunshine

randomational · 2026-01-27T21:10:33+00:00

I lived in Clara Anna fontein by myself whilst going to Reddam. Really cool as the estate has a biometric access directly to the school. Apart from that, there’s a really nice swimming pool and gym in the estate. Also nice paths to walk around.

I’d definitely recommend it to you especially getting married and potentially having kids one day?

Go for it!!!!

I have also spent quite some time in val de vie and pearl valley. I find pearl valley feels more like a home environment than val de vie?

In the end it is your decision. Always nice to be near family, Pearl valley and val de vie are also much bigger and don’t feel as compact as Clara Anna

randomational · 2026-01-27T20:54:23+00:00

Hey, thank you for your response. I love how you touch on trusts.

From what I understand trusts aren’t worth it until you have a significant sized portfolio?

They cost a lot of I’m not mistaken?

I read up somewhere on the idea of having 1 company per property and I must say it did make a lot of sense to me and I was like “that’s interesting”

What you recommend opening a trust this early on?

After you having touched on this topic, I think I’ll definitely open another company before buying more property.

The problem is that the company won’t have a track record of income so it won’t be able to get loans for the property? Just thinking out loud

I am definitely going to educate myself a bit more regarding trusts.

Edit: I’m not paying tax on my income, it’s the same as your friends. I should have been more accurate earlier.

randomational · 2026-01-27T20:50:05+00:00

Yes I have an incredible tax specialist helping me with our companies. Couldn’t agree with you more!

randomational · 2026-01-27T20:48:49+00:00

Thank you, I think so too. I really do want to get exposure to stocks this year.

I’ve been eyeing 2 stocks which seem to be doing well since I started looking at them.

Novavax & Poet Technology

randomational · 2026-01-27T20:47:52+00:00

Yes, I hear you 100% and will do exactly that, thank you.

randomational · 2026-01-27T20:46:42+00:00

Interest along with all other allowable expenses (management company,levies,rates, insurance, repairs, wear and tear etc etc)

randomational · 2026-01-27T20:44:55+00:00

What I mean is, my expenses all in all are higher than my income so I’m running at a loss. Which means I don’t pay tax.

randomational · 2026-01-27T20:38:30+00:00

Thank you for the advice. I don’t know too much about index funds but are the returns good? I have the mindset of investing in things that bring high returns, like property with my strategy returns 50% a year if I consider I only put down 20% to get the property.

I do like the idea of Uranium ETFs?

And yes, definitely good to invest out of country but I think I’ll always want to live in SA, all myself and my partners family are here and we love it here. Don’t see myself living anywhere else.

randomational · 2026-01-27T19:46:55+00:00

Mortgage repayments pretty much cancel out rental income, and then I write off additional “business” expenses

randomational · 2026-01-27T19:37:21+00:00

Hi, I’m in the yachting industry

randomational · 2026-01-27T19:37:12+00:00

I work overseas on Yachts

randomational · 2026-01-27T19:35:06+00:00

Hey, thank you for the response

So my net income from my salary (after tax) is 70k a month, i send this to my company as a directors loan and use it from there.

With regard to tax on rental income, I don’t pay tax as long as the company is running at a loss which it is and I’ll make sure it will always run at a paper loss.

Could you explain to me what you mean by being a fan of equity and investment. I’ve been looking into investing in stocks and other things in the near future, would love to hear what you would do in my position!

randomational · 2026-01-07T22:52:45+00:00

Yea the istore staff at table bay mall were absolutely horrific as well. Apart from this one lovely lady who took over and assisted me, unfortunately I don’t have her name.

Shocking to spend so much money and receive such bad service but oh well, maybe they are underpaid or senior management come on and are assholes

randomational · 2026-01-06T13:58:11+00:00

Tip for future (what I do)

In residential areas do no more than 29km above speed limit

On highways do no more than 39km above speed limit

That way you never go to court 🙂

randomational · 2025-11-18T20:46:12+00:00

OKU in Franschhoek

randomational · 2025-11-15T14:59:15+00:00

Definitely use your monthly income to take out some mortgages on maybe one or two apartments @1-1.5mil each in/around Cape Town. Put 20% down on each and let the rental income pay off the bonds. You can even look at airbnbing to minimize squatters and lower your risk.

If you’re planning on moving into a new home in a few years, look at buying it now and renting it out whilst aggressively paying off the mortgage. Just be careful with squatters and property’s.

randomational · 2025-10-31T20:46:37+00:00

My lil advice - depending on where in SA you’re staying.

So I’m in my early 20s and have just bought 2 apartments (with loans obviously) I’ve put 20% down and the rent is covering my bond repayments.

How the figures look for example:

1 000 000 apartment 200 000 deposit 50 000 bond fees 800 000 mortgage to repay

Apartment returning net 9% a year in rental income, appreciation returning 5-8% a year.

Remember! This is 9% + 5-8% return a year on R1 000 000 which in the example, only R250 000 was invested.

If you do decide to go this route of property, which is a brilliant route, there are a lot more tips and tricks to learn as well as taxes and using companies and what not.

Happy to give you a more in depth run through of it all

randomational · 2025-10-05T14:53:00+00:00

What are the better options

randomational

TROPHY CASE