“The Real Estate industry is going through significant change for the first time in my 20-year history in this business. And it is technology-driven,” Paul Stevens, CEO of Just Property, says. “I expect that more and more, players in our industry will adapt their business models to ensure that they stay relevant in times to come. And this includes the developers, who will need to meet the tech-driven demands of a new consumer – one who, very interestingly, while located in the Boomer, GenX or millennial grouping, has very similar needs.” Emerging Trends in Real Estate: United States and Canada 2020, a recent publication by PWC, echoes Stevens, saying that “we may be about to see a shift of generational proportions toward [an]… array of real estate demands, ironically induced – at least partially – by technology. Overcoming isolation is becoming increasingly imperative, as seen in such trends as coworking and co-living.” While South Africa may lag the US with regard to some trends, Stevens notes that co-working is established in the country, with more and more of the population taking on freelance jobs, “side hustles” or “gigs”. But it’s not enough to simply fill a room with hot desks and supply good Wi-Fi. Stevens advises businesses offering shared workspaces specifically for the gig economy, to include areas for collaboration – these users regard networking as an essential. Better still, locate your workspaces near where they live and play, or can live and play, says Stevens. “South Africans have embraced live-work-play environments and as a result, these have enjoyed good real estate investment returns. Interestingly, there is a generational shift happening in the US, and I believe it has gained momentum in South Africa too. “Just as co-working environments are not only populated by the young, we are finding older people being driven by very similar needs when it comes to living arrangements. The generations are not as different as they like to think,” …
2020 Investments – An Expert’s Take On What We Can Expect
It seems to be standard practice that at the end of every year, financially savvy investment guru’s give us their take on what they think the investment landscape for the following year will yield. Predicting the future direction of financial markets is fraught with left and right turns. This year is no different, and even though nobody has a crystal ball, based on what 2019 has yielded to date, Daniel Kibel, Founder of CM Trading, gives us his take on what he thinks 2020 will look like. Looking abroad, massive events have been dominating the global investment landscape for the last few years. These events are going to substantially change the way investors approach investment. The election of Boris Johnson has cemented the fact that Brexit is definitely going to happen. What is important to consider now, is how this will fundamentally change your investment journey over 2020. The second important global event is the 2020 Presidential elections, and amidst impeachment woes, whether Trump will still be a key player? Both of these international events are sure keep the markets interesting, to say the least, for 2020. Closer to home, investors must keep in mind the Eskom issues, SAA and the future of the South African president Cyril Ramaphosa. Moving away from the news making events that will dominate 2020, an aging worldwide population coupled with the rise of a middle class in emerging markets leads me to believe there will be a shift in consumer habits and tastes over the next 10 years. As things go generally, aged investors are more sensible, more investment savvy and they usually have more money to invest. With pension plans around the world falling short of the lifetime expectations of those who have paid them their entire lives, investors will need to be much wiser in their choices. Both locally and globally, people must ensure that they have a long-term plan for their financial stability in retirement. Consumers are increasingly focused on the many …
FF News: Bitcoin SA and Forex SA, get set??
https://www.youtube.com/watch?v=O1FCAODMHcI Bitcoin SA and Forex SA, ‘get set,’ for dollar buying, reports The Omar Abdulla Group. by Mustafa Mohammed (14 January 2020) Bitcoin SA and Forex SA are jet set for another solid season this January 2019, with the current President Trump impeachment campaign, the recent freshness off the new year, and The South African Rand, becoming stronger against all major currencies. Speaking to The Saturday Star, The “Wolf of Wall Street,’ Mr. Omar Abdulla says that the dollar is ready to appreciate within the current year, with strong investments into shares including Coca Cola, Wal-Mart, Apple, Ferrari, Trump Construction, and other indices and instruments. “If you were to look at the yearly chart we would anticipate strong returns from these companies, hedging with European currencies and markets.’ On a hot Saturday afternoon in Los Angeles, Abdulla is said to have arrived within the week, meeting with executives from Instagram SA and Facebook SA, shelving these companies, with investments into Bitcoin SA and Forex SA. ‘We anticipate the price of Bitcoin, reaching above $10, 000 in March 2020, and could reach It’s 2018 high of $21000-00.’ noted an actuary from Times of New York. The New York Times reported that although all Republican voters will vote for President of The United States, Mr. Donald Trump, to remain as president for the s e c o n d term, the rand will get stronger breaking R12-00 to dollar by June 2020. ‘The rand is said to get stronger with stronger economics from South Africa, the election of President Ramaphosa and better job opportunities in the country.’ wheeled an MTN Ceo. Image result for the omar abdulla group Abdulla who took pictures with The Muslim Times, growled that "The Omar Abdulla Group,' was now focused on building $10 000 accounts for trading Forex, Bitcoin, and other financial instruments on their …
FFNews: Omar Abdulla ‘arrives in LA”
(10 January 2020) Billionaire Businessman, Mr. Omar Abdulla is set to arrive in Los Angeles this afternoon, after meeting with executives in Miami for the un-bundling of Instagram SA and Facebook SA on their share sheets. “These companies are now causing major losses for The Omar Abdulla Group, and our aim is to sell these shares back to the holding company, with the purchase of new found applications including Tik Tok SA and Likee SA.’ groomed a spokesperson for Footprints Filmworks. Image Abdulla who invested over three years ago in these shares says that the market is now saturated after Facebook had purchased Instagram and WhatsApp. “After Facebook had purchased these companies, we knew it was just a matter of time, before we see Instagram, Facebook and WhatsApp fall.’ looped a South African resident. Acting Ceo of Instagram SA, Mz. Mishka Dawood who spoke to The Laudium Daily, cooled that The Omar Abdulla Group was one of South Africa’s fastest growing companies, and sees the company investing into more secure investments including the insurance and finance industries. “If you were to Google the companies breaking headlines they would probably be your Albarakha Bank, Naspers, Prime Media and Footprints Filmworks.’ However, the icy cold Los Angeles weather has not been too friendly for Mr. Abdulla as him and his wife, had to make bitter decisions regarding the release of Instagram SA and Facebook SA. “These social media companies just want to take control of the market by introducing new strict policies including hiding likes and creating fake robotic software that will eventually kill the algorithm of the media.’ kissed a Brits resident. Concluding his remarks to The Los Angeles Times, Abdulla pooled that he was excited to have that extra free time and money to invest into shares that will grow beyond market dividends. CLICK HERE to submit your press release to …
Who is Buying up Our Small Towns?
South Africa, December 18 2019 - Semigration is a continuing trend affecting property investment. Whether for work, investment, cost-savings, quality of life or retirement, buyers are continuing to invest in smaller towns. We look at two very different regions that are attracting buyers for very different reasons and proving that there are great opportunities available away from the madding crowds. The Swartland, Western Cape The population of the Swartland in 2016/2017 was recorded as 129 573, which was 29,1% of the total population of the West Coast. At that time there were 39 139 households, 94,6% formal dwellings and 65% of those are owned. Major towns in the area are Malmesbury, known for its wheat fields and vineyards, Moorreesburg, which offers a variety of outdoor activities such as 4x4 trails, bird watching, horse riding, cycling/mountain biking, and clay pigeon shooting, and Darling, which with more than 300 flowering species in four reserves hosts the spring Wild Flower show. Riebeek Kasteel and Riebeek West are quaint and picturesque villages at the foot of the Kasteelberg, overlooking the valley and distant mountains. Vineyards and wheat fields provide a kaleidoscope of colour throughout the year. Koringberg is a small farming village surrounded by wheat fields. Malmesbury, Moorreesburg and Piketberg all have high schools, that children from surrounding towns attend. Ronald Brink of Just Property says some of the trends affecting movement to the Swartland include the rise of the “super commuters” – professionals who live in small towns and commute to the cities and business hubs, and the concept of “remote working”, where professionals work from small towns, patching-in to city offices and avoiding the negatives of city life, such as heavy traffic and escalating crime. Retirees and empty nesters looking to scale down and live a quieter life are also attracted by the Swartland’s good municipal governance, and income opportunities. …
12 Tips How to Keep Your Home Safe Over the Festive Season
Johannesburg, December 10th 2019:- Whether you live in a house or flat, if you’re going away soon, then follow these tips.So it’s finally December and you’re going on holiday after the nightmare demanding year that was 2019. Such joy! Such relief! But what happens to your home while you’re away? It’s no secret that many people go on holiday at this time of year and their homes might be more susceptible to break-ins. We’ve rounded up a few tips so you can have peace of mind while you’re away on holiday. “Christmas season is the best time of the year. It’s a time for family, friends, and lots of merriment. Sadly, statistics also indicate that burglaries around this time of the year spike exponentially. This has a lot to do with the fact that burglars are aware that there are lots of gifts in the house and probably extra money lying around. “Says Shaun Rademeyer, CEO of MultiNET Homeloans. Keeping all of that in mind, we’ve put together a list of tips for you to protect your home and keep it secure during the holidays. Make Sure Gifts Aren’t Visible From Outside It’s such a common sight during this time of the year – a frosted window from which you can see a beautiful Christmas tree all lit up, with dozens of gifts underneath it. This sight is enough to make a potential burglar size up your house. With all those gifts in plain sight, how are they supposed to resist? That’s why you need to make sure that your tree and the gifts underneath it are not visible from outside. Remove temptation and you reduce the chances of becoming a burglary victim. Watch What You Post on Social Media Potential burglars are like hawks on social media. They look through posts seeking out information on the types of gifts people have gotten, or when they plan to leave their homes for Christmas shopping or for vacation. The information you choose to post online can be used against you. Therefore, take care not to post about valuables that may be in your home …
Apply for funding for your business before 13 Dec and stand to win R500 000 for your business
How could R500 000 impact your #business? Your #FriendsInFunding (that's us!) are making it happen for one South African business. Complete a funding application before 13 December to enter. Apply now... https://www.lulalend.co.za/?a=W3ApGj7o What are my Business Funding Options with Lulalend? Depending on your business needs, and eligibility, we offer multiple options for you to access working capital quickly and easily. We offer fixed term loans of up to R1,5 million that can be repaid over 6 or 12 months through our flexible repayment options. An added benefit is no early repayment fees. For eligible customers we also offer a Credit Facility that gives you the opportunity to withdraw funds, up to your agreed credit limit, as and when needed without having to re-apply. This highly convenient option provides you piece of mind, knowing you have immediate access to funding whenever you need it. To apply for funding your business needs to have been operating for at least 1 year and be making an annual turnover of R500 000. If your business has been operating for 1 year with an annual turnover of 500 000.00 and you require funding please feel free to apply. Fast and easy Small Business funding What will I pay? We've simplified the lending process with our 6 Month Plans. Every month, for six months, you pay back 1/6th of the total advanced amount plus the monthly cost. Costs are 5% - 12% of your selected amount for the first 2 months and 1% for each of the remaining 4 months. You can pay early and save. N.B: We will require a copy of your company's incorporation / registration as well as last 3 to 4 month's bank statements & a colour copy of your national ID Apply now https://www.lulalend.co.za/?a=W3ApGj7o To your success, Mark Waite Mobile & WhatsApp: +27 81 271 4228 Email: markjw1959@gmail.com https://za.linkedin.com/in/markjohnwaite …
We explain your insurance premium increases
By Katherine Liese, Marketing Head at 1Life Everything you need to know about when, why and by how much your insurance premium will increase. To help you plan ahead for your insurance premium increases we’ve found out all you need to know so you can have some clarity when it comes to your insurance policy. What is a premium increase? A premium increase - also sometimes called an escalation - is the amount your monthly premium will increase by on a certain date. This may be a set amount such as R100, or a percentage such as 5%. An example: You pay R250 a month for R750 000 life cover. Your premium increases by 5%, so the premium increases by R12.50 to R272.50. Why do premiums increase? There are two main reasons: 1. Your risk changes Your long-term insurance premium is calculated by your insurer based on the risk (probability) of you having an accident, becoming disabled, suffering a dread disease or passing on earlier than expected. Insurers will look at your age, health, occupation and other factors to determine this risk. If your risk changes, your premium may change. An example of this is aging – we are more likely to become ill as we get older, so premiums are increased to cover this risk. Another reason your risk may change is if you take up smoking, which can reduce your life expectancy. Of course, if you give up smoking you may qualify for a lower premium! So, risk is why most long-term insurance premiums increase over time. 2. Your cover increases When your sum assured increases you have more cover, and this increased amount of cover will cost you a little more. Some policies have built in annual increases in cover such as the sum assured increasing by 3% each year. There are pros and cons to this. The pro is that it means your cover can increase without you having to undergo any further underwriting. However, the con is that the increase percentage may not reflect your true insurance needs. For example, your cover may increase by …
Tax Returns
Earning interest - Make sure that all sources of income are disclosed to SARS and that there is a workings table to arrive at the totals submitted to SARS. Use a tax practitioner as the fees paid to tax practitioners may be and probably will be deductible against your taxable interest. Make sure you are a registered as a provisional taxpayer. Submit your provisional returns each August and each February and don’t be late Pay your taxes before the deadline which is the last working day of August and the last working day of February each year. Getting this wrong could mean a penalty. Submit your provisional return using a reasonable calculation but at least use the basic amount as when this is done, your risk is lower. Don’t try and pay the above amount when filing the return after year end (which is when returns are filed) as this could mean a penalty of up to 20% + interest. Claim any tax practitioner costs incurred in filing your return if the fee is not more than the taxable portion of the interest. CLICK HERE to submit your press release to MyPR.co.za. …
10 Reasons Why Africa Will Set the Pace for Bitcoin Adoption.
Johannesburg, November 25 2019: As it stands at the moment, Africa is lagging behind the rest of the world when it comes to the adoption of Bitcoin and other cryptocurrencies. View Bitcoin Price to South African Rand. Africa’s interest in the currency is not translating into real-life use, and there are a variety of reasons why this is the case. Crypto experts are noticing something that could change this current start of cryptocurrency and there are even economists who are predicting that these currencies will be the next big economic innovation that will have a positive disruptive influence. The many advantages that the average African will experience are the exact reason why widespread adoption of Bitcoin is a likely reality. Open a Free Bitcoin Wallet here. 1. Pegged against the dollar Even the strongest currencies in Africa struggle against the US dollar, the primary currency in which Bitcoin is traded. The Rand, in particular, is struggling more than ever, depreciating as the country tries to solve its current economic woes by simply creating more. Many Africans are looking for a way to add more value to their money and by converting cash into cryptocurrency, or by taking the extra step and mining it themselves, they can do just that. 2. Instant payment between people Awaiting payment slows down businesses and often some of the biggest banks on the continent have a delayed payment protocol while they do offer instant payment at an additional cost. Instant payment benefits both the payer and the payee and with cryptocurrency, this aspect is greatly beneficial to e-commerce in particular, which in emerging economies can go a long way towards encouraging entrepreneurship. 3. Secure encrypted wallets More than 2 million people already have a secure Bitcoin wallet, which means there are already 2 million people ready to trade. Unlike the risks involved with cash and card transactions, Bitcoin and other cryptocurrencies are safe to …