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  1. K

    Hair Loss products

    @abzob @maxxis @WaxLyrical lol thank you all for the feedback but it is not useful, i am looking for information related to people using lasers vs stem cell. Yes shaving is the next option but I am not keen on that.
  2. K

    Hair Loss products

    Hi all I am male starting to experience hair thinning and loss so am looking to treat that. I was at Advanced Hair Studio and they say it is androgenic alopecia. I was recommended either laser or stem cell treatment, and was told that the laser treatment is simply slower at producing results...
  3. K

    Sonoff T3US1C replacing existing switch help

    Hi guys This might have been asked before but i honestly am a bit lost. I have the Sonoff TX T3US1C. In my light switch i have a blue, red and a bare wire(earth). It is currently connected to a simple 1 gang switch which takes a neutral and a live. That works fine. I am not sure though how to...
  4. K

    Lost Drivers License - How To Handle

    Thanks, 2 important points for me 1. Getting to the enatis website at 8am on Monday morning, didn't know about that, thanks. 2. Had no idea about the first come first approach thing on the day of booking, I can understand why that can happen but I am not sure what exactly this new system made...
  5. K

    Lost Drivers License - How To Handle

    Hi guys My Drivers license got lost and I am not quite sure how to handle this. I looked at https://www.gov.za/services/driving-licence/replace-lost-driving-licence?gclid=Cj0KCQiAnb79BRDgARIsAOVbhRojWOk1Uz3c0i2HePKn_FEO2glXBoIZ69RdrnqY3_VXmPdSxSBhheIaAsBbEALw_wcB This site gave me indication...
  6. K

    ABSA Home Loans applications delays and Expected Interest Rates

    They told me putting a deposit wont make a difference... They do seem pretty inconsistent. 1 week is pretty good compared to what my experience is. I am on 2 weeks now, still waiting for a quote and I have to secure a bond by Monday, not much negotiating room. :rolleyes:
  7. K

    ABSA Home Loans applications delays and Expected Interest Rates

    Hi zerocool, thanks man. I sent an email to ABSA's actionline and to their twitter(they usually respond). I have complained to the agent dealing with my bond but am not sensing any urgency, hence why i brought up this thread, not sure if they are trying to play me by minimizing the time I...
  8. K

    ABSA Home Loans applications delays and Expected Interest Rates

    Hi guys I have 2 questions. 1. Was just curious if anyone applied for a home loan with ABSA recently and what was your experience. My issue is that I submitted an application to ABSA about 2 weeks ago, but I am still waiting for the approval quotation. This is obviously messing with my...
  9. K

    Rain refunds customers after billing issues

    I cancelled after 7 days. I did some analysis on their network and there are numerous routing issues which I reported to them. They don't communicate or give feedback. I returned the device within 7 days and was promised a refund. More than a month later, still waiting for refund and everytime I...
  10. K

    Moving away from Liberty Retirement Annuity

    Fair point. The one did get me a good deal on life cover. :cool:
  11. K

    Moving away from Liberty Retirement Annuity

    I have to disagree, take the 10 year investment for example, thats a huge loss. It doesn't make sense to leave it. It's more hurdles to overcome because first you have to make up for the huge loss incurred and then try catch up on where you expected to be, so you basically are hoping for a dip...
  12. K

    Moving away from Liberty Retirement Annuity

    Agreed. I think we need to assess these every few years more actively as clients because the financial advisors have proven not so trust worthy from my experience.
  13. K

    Moving away from Liberty Retirement Annuity

    What recommendations would you give? Take my gf's investment for instance, 10 years long, if she put the money under her mattress she would have about 40% more than what there is now. Her fees are crazy high. My thing is, if you are paying for someone to manage your account to ensure its ok...
  14. K

    Moving away from Liberty Retirement Annuity

    I know the markets are not good, but i disagree that i wouldn't be better off, just on the fees alone, is already an improvement.
  15. K

    Moving away from Liberty Retirement Annuity

    Just got feedback from Liberty on the section 14 move fees: Investment value: R296765.62 Less activity fee: R280.00 Less early termination fee: R5955.31 Section 14 transfer value: R290 530.31 Expensive lesson in fees with Liberty, stay away! Will be moving this to either Allan Grey or Sygnia...
  16. K

    Moving away from Liberty Retirement Annuity

    With active, like Liberty, that will increase costs to right?
  17. K

    Moving away from Liberty Retirement Annuity

    yeah, thats sounds like a good idea, i have absa bonds, paid off but the bonds are open, can use that money however i like. Will look into it.
  18. K

    Moving away from Liberty Retirement Annuity

    lol, i have no idea what regear bonds means?
  19. K

    Moving away from Liberty Retirement Annuity

    From my experience with property, the sooner you pay it off, the better, the interest there is another killer. I am lucky to have my properties where they are now, paid off quickly, saved huge amounts on interest.
  20. K

    Moving away from Liberty Retirement Annuity

    10x and sygnia use index trackers, as i understand it, alot is offshore which probably explains why they are doing so well and have low fees. And from what i think i know, liberty for example is managed, so becomes expensive? If anyone knows better on this, please comment.
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