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    Decent Coffee

    Thanks for the in depth response! Will keep my eyes on the second hand market. I know my current machine is very entry level, but always reading that the grinder is the most important, so just looking for something adequate in that department.
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    Decent Coffee

    So I am looking for some advice. Currently I am using a Saeco Pico Baristo for my morning coffee. I bought this for a small office initially, but since the start of lock down it has been at home. Good for convenience and to grab a cup between meetings. I have one of these (mainly because it was...
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    Offer to purchase question

    Thanks! Before yesterday I was a bit two minded but the visit settled me more than anything. Hope your transfer goes through soon and you can get settled in. Must be a nervy period balancing the notice on rental and transfer. If the sellers are ready to move, don't you have the option of...
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    Offer to purchase question

    Also went for a second viewing and had a long chat with owners. We had a proper look around and the owners are really cool. This is a holiday house and they offered to keep an eye and help with some maintenance as they are downscaling in the same complex. Also found out things that we did not...
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    Offer to purchase question

    Yip, transfer duty and costs line up. Yeah, but @bokka1 mentioned this earlier in the thread and said that they charge exorbitant fees. Just an update, I mailed the attorneys and said the costs are slightly more than budgeted according to the estimates. I asked if they would consider...
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    Offer to purchase question

    So I just received the pro-forma invoice for the transfer leg of my property purchase. The Registration fee and Transfer duty are in line with Ooba but the "other" fees add up to a few thousand more: From Ooba: Does this look correct? Will try my luck with asking for a discount, but there's...
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    Buying my first house

    Correct thanks! I don't disagree with you, just stating that low interest rates in isolation should mean more buyers. Though there are many other factors that means this is not the case. If you are buying property now, I think you should base your affordablity on 10%-12% rates. Banks will base...
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    Buying my first house

    In a recent purchase, there were clauses about the buyer being liable for commission in certain scenarios. I removed all of them when I made my offer, the agent had to run it by the principal agent (or whatever they are called) and it got the ok. With exchange rates this low, does that not...
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    Advice: Investec Private v. FNB Premier

    FNB is currently checking what they can do about my rates. All my properties are below prime, 0.5%-0.75%. My current bonds are with investec and they won't improve on that, FNB seem to be looking to improve on it while paying all costs, so looking at the move. I'll see what interest rates I'm...
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    FNB Private client vs Private wealth

    100% agreed, hence the last line in my post. It won't work for all and if it doesn't work for you walk away. My other point was, the level 2's and 3's would be paying that banking fees anyway, they likely not there for eBucks even though they might even out on their fees anyway (+/- R200). The...
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    FNB Private client vs Private wealth

    I don't get the fix. So the people on levels 1-3 are not benefitting from the rewards? They pay their banking fees which go to overhead for the bank. If they have loans, they pay their interest which they would have elsewhere. How do they subsidise the eBucks of others? Genuine question. This...
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    Advice: Investec Private v. FNB Premier

    Ok very large deposit which lowers risk for the bank so that rate makes sense. What doesn't make sense is that FNB wouldn't finance you. I'm battling to get better than prime minus 0.5% but the LTV is 100% and it's an investment property. FNB is looking to take over other bonds though and...
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    Advice: Investec Private v. FNB Premier

    How are people getting these rates? Some context would be good, large deposits, price well below market? I'm on investec and might be moving to FNB PW due to better rates on bond. I don't really use the banker and frills but the bond rates are important to me.
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    Financing/buying my first car. Am I getting ripped off?

    Negotiate so that you don't pay the on the road costs. Some dealers are willing to waive that fee if you take the finance with them. Dealers get commissions from the bank for finance deals secured through them, it varies based on your risk profile to the bank, but its likely more than the admin...
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    Four killed in Cape Town as car crashes into wall and bursts into flames

    Well they didn't clog up the emergency room, so presumably yes.
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    Tips to Boost your eBucks - 1 July 2020 to 30 June 2021

    Seems random. My "proven track record" moved from green to orange. Never missed payments. Debit order is green though, never missed one either.
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    Tips to Boost your eBucks - 1 July 2020 to 30 June 2021

    Rewards diminish over time, once the reward has received its desired effect. Therefore checkers reducing caps or not offering 40% vouchers cannot be attributed to abuse, when it might have happened anyway. Examples: Makro 40% vouchers were popular but fell away yet Makro is still a partner. FNB...
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    Tips to Boost your eBucks - 1 July 2020 to 30 June 2021

    Guessing this will count once the time you pay for it, provided you purchased it directly from Showmax.
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    Tips to Boost your eBucks - 1 July 2020 to 30 June 2021

    The credit status might be working for some, but seems quite inconsistent for me. Last month my savings on hand indicated red and time with FNB amber. I could understand both (although I've been with FNB +/-4 years now. Roll on the new month and new rules and proven track record shifted from...
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