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@jr54669 I find it worth it. Especially for partner bonuses like Kauai and Starbucks benefits

@unbelievable That's really up to you and your preferences. Keep in mind a RA / Provident fund should not be drawn upon prior to retirement. I would look at doing a mixture of the following (in no specific order): Tax Free savings account - save R30k per year tax free, Easy Equities -...

@unbelievable I think you also need to weigh up the benefits of your accruing interest on the bulk amount of your savings and the amount of interest that you may have to pay for a bond. Additional concerns I would have in this situation include: Restoration / renovation costs that may be...

@unbelievable For your smaller loans, did you request settlement figures and close the loan that way? As I understand it, your settlement figure will include an amount for the lender as a recovery for the interest that they have lost given that the time-frame is reduced. If you go for a...