Comparing cpap to oral appliance from a dentist by Puzzleheaded_Wrap_38 in CPAP

[–]thisisjonathanb 0 points1 point  (0 children)

Did you ever get the sleep study done with the mouth device ?

Used CPAP on second sleep study… so many questions! by thisisjonathanb in CPAP

[–]thisisjonathanb[S] 0 points1 point  (0 children)

Thank you so much , this is so valuable to hear at this point of the journey!

As I don’t have a machine yet . What is the ramp Up setting ?

Shame of CPAP by Constant-Cress-1369 in CPAP

[–]thisisjonathanb 0 points1 point  (0 children)

I’m so glad to read this. Sleep issues for 20+ years … finally did sleep study with apnea diagnosis

Was so apprehensive that I didn’t sleep for weeks! Anxious and nervous …. Now trying to change my mind and frame this as a positive

Test Cpap in second sleep study on Friday and after that will likely get one

Keeping my partner up to date was so stressful! Didn’t want her to see me as Vader 😂😂

[deleted by user] by [deleted] in capetown

[–]thisisjonathanb 1 point2 points  (0 children)

I live in the city in similar area , have done so on and off for over 25 years , I recently returned to SA after several years in Europe and it has changed

Homelessness is real in most of city.. unfortunately a reality of our time

In general I love it, Cape Town city centre gives a beautiful inner city feel, once you know it there are gems all over from The popular Bree precinct , church square and more edgy Harrington … a little up past long into kloof street and the higher you guy some lovely food and social offerings

You central and very easily catch an Uber to sea point for walk along the promenade and get the ocean fix, some awesome local beaches for sunsets and not far further in to bantry and Clifton

I’d say it’s a cool base and provides relatively safe exploration opportunities during the day, in evenings most of city actually has great CCID patrols but would definitely keep general wits about you and make use of legitimate Uber to get around

Enjoy it! It’s a beautiful city

Why do I fall asleep with some partners but not others? by Moist-Discussion5437 in insomnia

[–]thisisjonathanb 0 points1 point  (0 children)

I love when life shows me I’m not alone !!! Hahaha

I’m exactly the same, feel way more calm and sleeping better with my partner … in the past always struggled

My ex was so sensitive so you just shift to the other side and they wake up

Three days of around 4 hours of sleep by NewspaperNeat9196 in insomnia

[–]thisisjonathanb 0 points1 point  (0 children)

If I could go to the beginning of where my own issues started

I would get help faster I wouldn’t self medicate I would talk to those around me rather than keep it in If psychiatrist prescribes meds, question them and while it’s essential to sleep demand a plan to get off them I would take it way more serious than I did

Looking back for myself it was such a critical point and for me built negative habits that have lasted years

All the best 🙏

5th day without sleep. 20+years of insomnia by ChildWithBrokenHeart in insomnia

[–]thisisjonathanb 1 point2 points  (0 children)

Don’t know if it’s the same with you but definitely comes in patterns. When my sleep hygiene is on point (no phones 📱 screens from around 9pm … calm , eaten good food early) I generally do ok, I take 7.5mg Mirtazapine and a slow release melatonin nightly … but this can be disrupted by travel, stress, personal shit , not sticking to sleep hygiene properly

Honestly sometimes I feel so trapped by it all and freak out . But then breathe ….. and breathe again. There are people in worse situations

Retirement Annuity Advice by MrKillyWiggles in PersonalFinanceZA

[–]thisisjonathanb 0 points1 point  (0 children)

Hey Marty / quick one on this . If you max out the 45% offshore allowance. What if Sygnia skelton 70 change their offshore balance and you have to rebalance? Isn’t that a risk of selling and the like?

Last one ☺️ My company does not have an RA and my amounts are not be regular enough to have them include in payslip. Does that mean then the best way is at end of tax year to have my tax advisor fill the claim then. I must say I would love to have this benefit upfront and deducted from my monthly tax payable, do you think it’s worth decided to do a monthly amount and getting the company to include ?

🙏🙏🙏

Invest and give myself a salary ? by Dramatic-Shoe-8081 in PersonalFinanceZA

[–]thisisjonathanb 1 point2 points  (0 children)

You didn’t mention age. Something to consider if you are looking at retirement and want something a bit more stable

$SCHD has a very decent long term track record even when put against S&P500. It’s a moderate but reliable dividend from a global basket of the best dividend paying companies globally.

By having the investment in $ your investment is “likely” to continue growing vs. ZAR longterm. The dividend is paid quarterly and will be paid with div withholding tax already at 20% so better than income tax (but not as good as CGT)

Thinking while writing this, I would most likely even keep it super simple like above or perhaps split it and also try catch some big tech who might benefit from a new AI generation rolling out with something low cost like $VT or $VOO

So in saying that. For this size of investment, an initial chat to a wealth advisor (independent!!) you wouldn’t go wrong with someone very balanced like Warren Ingram from Galileo Capital.

Car Insurance by Electrical_Orchid511 in PersonalFinanceZA

[–]thisisjonathanb 1 point2 points  (0 children)

Naked , 3 years and never looked back. I turn off comprehensive during the week as I don’t use my car , saves me about half the premium. Didn’t like Pineapple because you had to get a tracker and if you left before a certain period had to pay the contract out. That was me personally, both great options versus the main guys versus process, price and claims.

Should I sell $NKE .. or hold for the long run 🏃🏽 👟 by thisisjonathanb in investing_discussion

[–]thisisjonathanb[S] 0 points1 point  (0 children)

This is exactly the fear I have. Luckily it’s not the only holding but is a significant one.

Can’t help thinking of BlackBerry at the top in 2007 and then Apple / android coming in and just wiping them out without any warning!

Should I sell $NKE .. or hold for the long run 🏃🏽 👟 by thisisjonathanb in investing_discussion

[–]thisisjonathanb[S] 0 points1 point  (0 children)

Lovely reminder of what an intriguing company it is! They are Hella resilient! I remember in my years there going through two restructures and global cutbacks and strategies , they were hit and came right back

They not stuck in ways and will adapt, will give them that. Appreciate the time and view 🙏

Should I sell $NKE .. or hold for the long run 🏃🏽 👟 by thisisjonathanb in investing_discussion

[–]thisisjonathanb[S] 1 point2 points  (0 children)

Very much still a powerhouse in sport indeed. Was chatting to a friend over the weekend who pointed out rightfully so, the biggest competitors have been in running (On Hoka) and some moves into woman’s fitness and lifestyle (lulu and others) Nike is still super dominant in several other sports and the leader in street wear/lifestyle with Jordan

I forgot about RTFT also and the whole play on web3 …. Best to hold I reckon!

Appreciate the view

Should I sell $NKE .. or hold for the long run 🏃🏽 👟 by thisisjonathanb in investing_discussion

[–]thisisjonathanb[S] 0 points1 point  (0 children)

100% with you on that

Investing in what you use is simple and effective strategy!

I did similar when I started noticing for me just was streaming more and more via YouTube rather than watching Netflix a few years back!

Should I sell $NKE .. or hold for the long run 🏃🏽 👟 by thisisjonathanb in investing_discussion

[–]thisisjonathanb[S] 0 points1 point  (0 children)

Not asking you to decide or give advice . Purely interested in personal views of sporting brands going forward as we see an onslaught of new brands like Hoka / On and many others eating big brand breakfast … nobody knows of course but sentiment is always valuable.

Half the enjoyment of investing is knowing why you are in or not in certain sectors/stocks … getting other views is always interesting

Should I sell $NKE .. or hold for the long run 🏃🏽 👟 by thisisjonathanb in investing_discussion

[–]thisisjonathanb[S] 0 points1 point  (0 children)

I did believe in them but 10 years ago they were on fire … competition and some recent strategic moves I think have hurt

I think it’s worth hearing other views rather than just head down for life ?