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@spiritwarrior7 You can’t just pick a random starting point to compare asset class returns. The 20year return is only relevant if you invested in that date 20 years ago. What we are interested in is how will the asset perform going forward. Current global and local macroeconomics are very...

@luaulucy The cheapest smartphone is circa R500, why do you need that particular phone (which you clearly cannot afford?) from your parents?

@jacklemyapple The best way to use a credit card is to pay off the full balance every month.