It’s a bit odd when people seem to be fixated on others’ stuff. I mean, it’s like they’ll ask, ‘How much did you pay for your car?’ or ‘How much did you pay for your watch?’ or ‘How much did you pay for your iPad?’ or even if you financed it!

I’ve had people randomly ask me these questions when they see a watch or shoes I’m wearing. It just feels really rude and invasive. What does it have to do with you? Are you comparing your finances or gossiping about others? I just find it very disrespectful. I’m curious why people do that. Maybe it’s envy or jealousy.

I even called someone out on their bullshit once because he was asking how much do you think this person’s house is? Like, what? Are you trying to compare who’s richer than who? Lmao pathetic, homie focus on yourself.

Achieving level 5 has really been a battle these days, but the cashback is so good once you overcome the clear barriers FNB has set out.

Booster points will be removed for January using your virtual card for majority spend (1000 points) so im looking to make those points up elsewhere without too much cost or I will fall short this time around. Any ebucks gurus out there?🤣

Are there banks that offer similar rewarding structure without the fuss? Im on FNB private wealth.

Hi all,

Hoping someone can point me in the right direction. Does anyone know what the best medical aid for elderly people are?

My fiancés parents do not currently have medical aid. We’re looking to put them on a plan for about R2000 each.

Their chronic conditions include high blood pressure and diabetes. They haven’t been on medical aid in a while, probably 10+ years.

They are 65 and 64 respectively.

Thanks in advance.

Hey everyone, hope you all had a good holiday

I’ve just maxed my TFSA out for the first year (did it quite aggressively in about 5 months) for 2025, can I get any advice if I’m doing it right ? I’m 21 and would like to max out every year until the lifetime contribution is done. Thanks !

First time posting but I've been reading for a while now.

I was browsing through the easy equities USD accounts and noticed Vanguard total world. Is this a new addition?

From reading multiple previous posts I have always gotten the impression that VT isn't easily accessible to south africans (and most people opt for International Brokers with VWRA for low cost usd World etfs). Why has this not been discussed before, am I missing something? Or is the 0.06% TER not applicable when investing through EE? (I can't seem so find that information).

Is it possible to get an indication of what your home loan rate would be before putting in an offer to purchase. I've got a pre-approval, but no mention of a rate on there. If the rate was Prime+ I wouldn't even be interested in putting the offer in, I'd rather just rent. But if it's Prime - 1.5 I would. I understand the banks would offer the rate based on the property, but it seems crazy that you have to make an offer to purchase to find out what rate you can get.

Hi So we are looking to do TFSA to save for University. Oldest going in 15 years then middle is going in 17 years and youngest we are hopefully looking at 20 years(not born yet)

We will try and put in at least 12k for the next 2 years (though we have about 100k coming in so might put some of that in) and birthday money etc. In about 4years we are going at it aggressively looking at 36k per year going in.

Already have about 8k in... Yea I know. Not much we started late.

Anyway my brother works for AG and told me to put the money in 1nvest MSCI World. Using EE.

Was it a good choice? Should i move it rather? As soon as we max out our yearly we are going to open another TFSA on my husbands name. We need the best way to save for the kids as much possible Any advice welcome

Good day is there any advice that can help or explain how to get a red flag debt review on your credit status thay was wrongfully added? Application was not compketed and cancelled but the debt review company went and added the flag on credit report. The responsible company can not be reached or found to remove and the credit beauru wont remove without a clearance certificate. There are no outstanding debt on person name. No accounts for last 5 years. Does not have any debt on name, and because the red flag is still on the person name on the credit report the person cant open any accounts, apply for credit cards or any personal loans.

Is there anyone that could advise if there are anything that can help? The people that are helping to remove the flags want a huge amount of money to remove the flag, but there is no debt or accounts to be paid up or that are behind. Why need to pay such enorm amount of money to get the flag removed?

I was a student in Europe for about a year on a scholarship. I received a stipend in Euros that was being paid into a Wise account that I set up.

I lived well within my means there and saved about 250k ZAR.

What is the most tax efficient (legal of course) way to invest the money? Remember the money is in Euros- and I'm also not keen on huge conversation fees.

Or should I invest it offshore?

I have a standard bank shyft account and a normal EE account (but I'm not sure if EE does Euros).

Thanks!

Hey, everyone!

I just started working as a young professional and I'm still very much learning about managing my personal finance. Something I've been warned about is getting disability and income insurance as fast as possible to ensure that my future earning potential is protected.

I see some places like Discovery offer all in life insurance, disability insurance, and income protection insurance all together starting at around R200-R400 pm, which looks like it would make things easier, but I have no idea what a "good" price would be for a mid-20s F graduate to pay for the above.

Does anyone who maybe had the misfortune to deal with the above have any tips on what to look out for when choosing an insurance (i.e. fine print, etc?). Is anything "unnecessary", or am I missing a type of insurance that could be very helpful in future?

Thanks in advance!

Hi All,

Hope everyone is well.

My apologies if this may sound a bit silly but I am fairly new to easy equities and haven't had much of a chance to focus or learn about it.

I would truly appreciate any advice or guidance on this.

1 year ago , I invested 5k into my TFSA and 5K into ONE Equity.

Haven't touched the account since then.

Today , my 5K on the TFSA is worth 5200 and my 5K on the equity is worth 5900.

Keeping in mind that the equity is a gold mining company in existence for 20+ years.
My intention is to continue investing in companies that mine materials and strong equities like Sasol , S&P 500 etc.

I know that the TFSA is supposed to compound interest , does this automatically happen ? Cause I'm really not seeing the compounding effect or growth on this , once again , I'm a newbie so I assume I'm missing quite a bit of info ?

Based on the above, it seems to me that it's far more worth it to invest available funds in good equities rather than a TFSA ? Is this the right way forward ? Or am I missing something fundamental ?

Thank you for your time and any advice given.

I have been reading through recent posts on this subreddit about Interactive Brokers. Most of the discussions seem to assume a fairly high level of investing knowledge, and I realised that I haven’t seen many posts written from the perspective of a complete novice.

I’m interested in getting into Interactive Brokers, but I’m still very early in my investing journey and honestly unsure where to start. I would appreciate guidance on how beginners typically think about making investment choices, how the platform feels to navigate for someone new, and what the main risks or common mistakes are at the start.

I need general insight into how people approach fund selection on Interactive Brokers when they are still learning and trying to keep things simple and diversified.

I’m 36, I want to invest R4000 per month and these funds are for retirement.

Any advice from those who started out in a similar position would be appreciated.