Recent content by Kashman

  1. K

    Coin Evaluations

    Hi There, Hoping to get some guidance, I am trying to find a trustworthy and reputable dealer to evaluate some old R1 & other various coins that I have. I have tried to look at a few places and have absolutely no clue where to really begin. My dad has been accumulating these old R1 coins...
  2. K

    Portable solar panel laws?

    Hey all Would appreciate the clarity also, so I have a grid tied system and link to COJ, I use the battery at night and my panels charge the batteries at night… only time I draw from COJ is when I need to top up the power or battery… So do I need to register this thing now or is it only an...
  3. K

    Stock Picks - Darlings and Dogs

    Hey All Looking for some opinions… what does everyone think of dividend investing/investing for income? Is it worth considering? Most of my portfolio is in normal unit trusts, endowments, pensions, cash etc. It's a bit difficult for me to buy individual shares due to some company policies BUT...
  4. K

    Legit trading platforms to invest where money is physically out of SA?

    Hi All If you guys are buying shares and stuff directly offshore. How are you managing SITUS Tax implications? Regards
  5. K

    Should I invest in an RA or offshore ETF's instead?

    Don’t forget to add your cash component. Yes I know it will be worth nothing over time but you do need it for emergency and life… You allowed 23800 per year interest tax free, so I max out my cash reserves so I hit the threshold, the 23800 in interest I get which is about (9.2% net profit give...
  6. K

    Should I invest in an RA or offshore ETF's instead?

    Morning All Apologies for reactivating an old thread but it seemed to be the appropriate one. I see that people are recommending direct offshore ETF’s so my question is how are you getting around SITUS tax if you not in an endowment wrapper? Ultimately I want to build a dividend portfolio...
  7. K

    Financial adviser fees

    I would really negotiate with any FA but also NOT be afraid to walk away if I need to unless this is something specialised i want to invest in. I find that FA’s especially the independent ones are much more open to negotiation. I threatened to pull my entire portfolio and now I have 0.35% +Vat...
  8. K

    Investments -> Tax -> Sars

    I would also look into donations if not done so, you can deduct upto 10% of your earnings. Personally, I have just kept my interest income just under threshold and the redirect any interest into endowment or equities. Depending on your tax level endowments are taxed at 30% flat on interest...
  9. K

    Moving money offshore

    Hi All, does anyone know what the impact is on going over your SDA limit and how to rectify it? My wife and I are married COP, I have officially gone over my limit by about 20k at the most I would guess and my wife still has about 100k on hers. Regards
  10. K

    Budgeting and Investment Software

    Hi All, I was wondering how does everyone manage their finances? I am not using a Financial advisor at the moment, and use excel for pretty much monitoring my budgets and NAV every month, but i do see a lot of cool software out there like quicken, 22seven, YNAB etc.. Just not convinced on the...
  11. K

    Skilled people in their 30s and 40s are leaving South Africa

    SO million dollar question, how do I get an opportunity overseas? Mrs and I been talking and we thinking probably in 2-3 years we want to go live and work overseas. Just struggling on the how to get a role portion. We only speak English and most jobs on LinkedIn asking for you to speak the...
  12. K

    Where do you save your rainy day fund?

    So I have a just finish building my 6 month rainy day fund. No FA so I built my own conservative portfolio which I rebalance when necessary. in essence 60% in bonds, 25% in money market and 15% in ETF(equities). conservative portfolio generates anywhere from 7-9% on average annualized...
  13. K

    Holiday destination recommendations

    What about local destinations? Living in jhb, have done the whole lodges and game drive and CPT thing. Any places around JHB worth considering? thinking hartesbespoort or magliesburg but not sure. seems to be mostly spa's.. which i do enjoy :) lol.. any recommendations? looking for a nice get...
  14. K

    Holiday destination recommendations

    I went last year august, it was our 10yr anniversary. Went to rome, florence, venice and also visited Tuscany, sienna, the venice isles, PISA. All in, we paid approx 65k for the 2 of us for 6 days incl transport between cities, food, tours of Vatican, coliseum, walking tours etc, and spending...
  15. K

    Interactive Brokers vs Easy Equities

    I did see that thank you, that was going to be a backup option if I cant invest straight from the beginning. Guess I still have a lot of research to do :)
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