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  1. PhreakBoy

    Advice - solar expansion

    LoL - the link doesn't even work.... sarcasm at it's best.
  2. PhreakBoy

    Snyper's Solar Farm

    Congrats on your install. I had a 8KW Sunsynk with 1x Hubble AM2 installed in May and got 9x540w panels added last week. Very happy. Next time you post this graph, do you mind adding the SOC line too? If you click Parameter next to the date, there is a tick box for SOC. Here's mine for today...
  3. PhreakBoy

    Tax Directive help

    Need some assistance please from an expert if possible. In the last tax year I moved an RA from Old Mutual to Sygnia via section 14. Old Mutual issued a tax certificate and Sygnia applied for a tax directive. Unfortunately OM issued tax certificate for an incorrect (lower) amount, Sygnia...
  4. PhreakBoy

    Armed response disabling gate

    I think people's expectation of what guards can actually do is unreasonable. They are not armed and generally alone. Thus if they do find a problem at your house they need to run away in order to get back up. If the criminals already gained access to your house, then what difference does the...
  5. PhreakBoy

    Is it really worth having a pension/provident fund?

    Well just based off the (lack of) information provided, I am assuming that UPF product has some kind of insurance element to it, either to try and guarantee returns or guard against excessive losses. And I personally don't like products that try and combine too many things, if I want insurance...
  6. PhreakBoy

    Is it really worth having a pension/provident fund?

    UPF seems to be an acronym for Untaxed Pooled Life Policy. Unfortunately I have had no luck in finding information on what a UPF is. The fund fact sheets don't offer an explanation either...
  7. PhreakBoy

    Greetings Possums!!

    It lives! Hey Wayne - sincerely hope you're well sir. Thought about you a year or two back and wondered how live in the US is treating you. Can't recall why I was thinking of you though. Cost of living has certainly changed here in SA. Some things had inflationary increases, but as mentioned...
  8. PhreakBoy

    Financial decision; would this be a mistake?

    If I were in your position I would pay off the credit card now using the money from the access bond for two reasons: 1. The interest on the bond is likely lower than 21% 2. I'd like to remove the risk of currency fluctuations. The ZAR is relatively strong now. If it is an access bond, then...
  9. PhreakBoy

    Altron Systems Integration and Cisco Survey – R2,000 Cash Giveaway

    Done PS: what does your share of R2,000 cash mean? R50 each? :P
  10. PhreakBoy

    How much money do you earn? And how do you spend it?

    I find the expense breakdowns in here of a lot more interest than the earnings side. Helps a lot with perspective. Had a massive perspective shake last week. I have a retirement savings goal based on the 4% rule. Then last week FB served me an advert for a house in an affluent estate near...
  11. PhreakBoy

    First job

    Listen to this - it's an hour. If you like the format you can listen to some of their other shows. https://justonelap.com/podcast-five-concepts-will-make-rich/
  12. PhreakBoy

    Tips to Boost your eBucks - 1 July 2020 to 30 June 2021

    From what I've read the Fusion account has the credit card "built" in. This was part of the reason why I was hesitant. I use my credit card for all expenses and would want that to reduce the balance in my cheque account. If I understand you correct, you have a Fusion account and a separate...
  13. PhreakBoy

    Tips to Boost your eBucks - 1 July 2020 to 30 June 2021

    A FNB consultant phoned my wife now trying to give her advice on how to improve her eBucks earn. This has now caused a bunch of conFusion (pun intended). Could one of the experts here please guide us? My wife and I both have non-Fusion Premier accounts. My son's y-Account is linked to my wife's...
  14. PhreakBoy

    Foreign buyers snap up R40m-plus Cape properties

    Or is it? Are these properties only up for sale due to the current owner not being in a position to keep it?
  15. PhreakBoy

    Home Loan - Available Amounts

    Yes, or opening balance x my interest rate / 365 * number of days in month. There will still be a small difference as I think interest on bonds is calculated daily.
  16. PhreakBoy

    Prepaid Electricity - where to buy

    Ok, apologies, seems it is not a SPAR fee, but a municipality fee: From https://www.ekurhuleni.gov.za/residents/tariffs/tariffs-2020-21/4653-schedule-2-of-electricity-tariffs-2020-21-1/file.html
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