Recent content by zerocool2009

  1. zerocool2009

    Loot.co.za Fragrances

    Is it local or import fragrances ? I see anything from the USA has a order time of 2 weeks
  2. zerocool2009

    Tips to Boost your eBucks - 1 July 2019 to 30 June 2020

    Did you buy anything else with the "withdraw" ?
  3. zerocool2009

    Anybody signed up with Tymebank?

    Ebucks guys (including me), dont hi-jack the TymeThread (at least have respect for that). If anyone wants to rave or complain about how good or bad ebucks is ... start a new thread.
  4. zerocool2009

    Anybody signed up with Tymebank?

    LOL My reply was related to your post #3807 (and it wasnt even related to a TFSA account, that came only later)
  5. zerocool2009

    Anybody signed up with Tymebank?

    Like I have said, if you are starting now to save and max the R100 000 in month 3, all good. If you have investments of R2 000 000 and earn more than the max interest of R23K, then review what you have as SARS will hold their hand
  6. zerocool2009

    Body Corp Question ...

    Its a monster of an estate. I must honestly say, it aint bad that we have so much savings, but the SARS leg is putting me off big time :( I cant really say our levels are to high. If we have a paint project, it cost roughly R7 000 000
  7. zerocool2009

    Body Corp Question ...

    Lets say the BC have a nice big reserve fund, and pay R250 000 to sars per year (for interest earned) Cant the BC do better things with that money (rather to pay SARS) ? 1) Cant the BC buy apartments and rent it out (but then it is again rental income) 2) Maybe buy shares ?
  8. zerocool2009

    Anybody signed up with Tymebank?

    LOL, if you have 1 goalsave you are save. If you have R2 000 000 in a money market, its another story So my advice, work out what you have invested where (and say just just below the SARS cap)
  9. zerocool2009

    Anybody signed up with Tymebank?

    Related to Tax Free accounts. I moved my one TFSA from a big bank to buy ETF's. In one week I made more than before (dont go the bank route with that honestly). Much better vehicles out there (and take EVERYTHING abroad)
  10. zerocool2009

    Anybody signed up with Tymebank?

    Just take into consideration ... Just having one account at 9% is dumb. So spread out (to max the R23K a year) overall (open up money market accounts with good rates also) Thats my motto now. I wasnt really into the savings (earn interest before). Tyme changed my view on that
  11. zerocool2009

    My decision to move my RA and the calculations

    Section 14. Its very easy. Get a new firm to move to, complete the admin, and wait
  12. zerocool2009

    My decision to move my RA and the calculations

    The only penalties payable are the one's stated in the contract itself. Even if you left it paid up, its a lower cost (without a doubt), BUT you can still do better. I doubt there will be penalties for stopping a RA (but find out). I had a rude awakening, a MEGA fight with a big firm. I did a...
  13. zerocool2009

    Anybody signed up with Tymebank?

    That is my motto too. Looking at shares, well, doing 9% per week now with ETF's and that is something in my mind ... why settle for 9% per year vs 9% per week. L O L
  14. zerocool2009

    Anybody signed up with Tymebank?

    Rule 99 in my view : Dont do full banking with a startup bank (not even in years). The 5 big banks are great for everyday accounts, but sucks at savings :( So, use a bank wisely for one purpose
  15. zerocool2009

    Home Loan Rates - Standard Bank

    Did your banker told you that, or FNB HL's ? There are alot of factors going into a review. What you currently have, for how long, your credit score (ag, the list goes on and on ...)
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