Captain Fastbastard Mayhem

LOL. http://www.kappit.com/img/pics/201503_1428_becea_sm.png Seriously though. You made it. Now do it again. Do more like it. It'll get a little bit easier every time, I promise you. A little less on the brakes, more time OFF the saddle (yes, don't sit down - makes it MUCH worse) and with the saddle a bit lowered... Bit by bit, it helps.

It's to make a caramel glaze. But yeah. No thanks...

Should have tried it in the wind there was last week... Yoikes! But LOL. It's all good, man. All about progression, and that ride marked the beginning of the confidence coming back. As rutted, loose & windy as it was, it was perfect.

Lekker mix, but then the sugar!?!!?

NICE!!! How's the tire on there? WHere'd you get them?

good luck finding slimmer profile at a decent cost. Closest I've found so far have been the Spank Spikes (12mm vs 17 on the Saints) but eeesh. $$$ Giant have a good looking premium offering (different to the ones we've seen here) that are also 12mm, but I'm not sure how much they are. Most common width is approx 17mm. And TBH I'm not sure how well a 5mm reduction in platform size would work - 2.5mm each side. That's not exactly a large saving... You'd still have issues.

Spinnekop, what other Discovery products do you have? As for the rest - go to Clicks / Dischem and get an HIV & screening test done. That'll get you to Gold instantly. As many, many others have said - the rewards are worth it, and if you're a Discovery Life policyholder, there's even more reason to get to Gold status. Reduced premium increases, increased benefit increases, more Payback every 5 years from your policy and so on. Then there are the partner store discounts, flight discounts, gym discounts and healthy food etc etc. I'd recommend a sit down with your broker to actually help you understand this product properly. At the moment, it seems as if all you're doing is racking up points with no clear intention of actually USING the product.

Lol. How to Train Your Dragon on the telly... Not entirely sure, tbh. Need to check it.

I *think* it's active from 1st March. Need to check though.

yeah, but you can get around that by using the Global Shipper from Aramex. Stipulate shipment address as a chinese depository, and Aramex ship for you at a radically reduced price to LB

they offer loads of options, if you chat to them. On the front of the site, for that particular wheel, thehy offer Novatec, Bitex & Powerway, though they have access to DT, etc etc for a special order, AFAIK. Of course, you could always order the rims and have them built locally with the hubs you want Here's the source for the WHEEL build. OP was looking at rim only originally. http://www.light-bicycle.com/U-shape-45mm-depth-Hand-built-700C-carbon-25mm-wide-clincher-road-bicycle-wheels-for-tubeless-compatible.html

good blog...

Yes. Was going to phone you on monday... Got all the figures. Same time / place as last time?

Agreed fully. And checking out international brokers this weekend. Will give a run-down next week, if fortune favours.

Yep, allowance is R 1m once off per person before SARB get involved (counted as Discretionary travel allowance) Otherwise it's R 10m per year per person.

already done that. Burger & castle lite draught. Making friday arvie more bearable. Just

Oh - to answer which one would be best, it depends on your term. Short term = minimal volatility, longer term = higher volatility allowed. Given that the options are offshore, and therefore you're already hedging the MOST volatile segment (currency fluctuations) - it's kinda like flipping a coin. Esssentially, you need to remove the currency portion from it when you're investing offshore. As in, totally. It's very, very difficult to do (the Rand has gained more than 10% on the USD in the past 10 days alone) but it's imperative. Again, comes down to term, and how much of your portfolio you're looking to put in to each of those options. The lower the % of your portfolio going offshore, the more risky you can be. And vice versa. Generally speaking, that is.

They're good options, though they have been underperforming of late as they are one of the true contrarian investment houses, and tend to look for value over the longer term. Only in the last year or so have their backings really come home to roost, and their longer term assessments are being proven right. That said - you need to have a minimum of $ 10,000 to invest offshore as a lump sum, and they won't accept debit orders. So it's not an option that a lot of people have when they're starting off. I use Orbis for portions of my offshore clients' portfolios though.

Ah. The one I was looking at, then. It'd essentially be the same as investing through AG direct, as there are also management & admin fees on that platform. Admin fee is higher than AG's, management fee is also higher. So it would be better to invest through AG on the MSCI world index feeder fund by an amount of approx 0.15% p/a or so (going on my cursory check and memory of the platform)

the Allan Gray platform is, IMO, fantastic. They're charging a 0.46% (incl VAT) p/a admin fee for the platform, so as far as I see it, it's as close as darnit to being free. Having said that - if you can invest through Db X trackers directly, it'd be cutting out on an additional layer of management costs, given that SANLAM (the managers of the Satrix ETF's and such) charge an additional 0.57% (incl VAT) Another plus is that you're able to put a debit order into it. Can you do that on the xtrackers platform? EDIT: a link to the place you're quoting would be good...

Just to clarify. Me, myself, due to the fact that I already have RA & pension (my wife's from her resignation) and so on, I'm doing the above through Allan Gray. MSCI World Index Feeder Fund is available on their platform.

Oh, I know. But you need a good understanding of what you're doing! Otherwise it's like a blind man choosing what tie to wear...

Yeha, you have to be on the ball all the time for that to happen though. Or set up automatic buy/sell alerts for your portfolio, and that requires software to do properly (AFAIK)

Yes. This in particular. Stock picking is a dangerous game, and you would be well advised not to do it unless you have a LOT of experience in evaluating companies' financials the same way that, for example, Allan Gray / Coronation does with their 4 fund managers per fund and huuuuge research teams. My advice is that retail investors should steer clear of individual company shares and rather take the cheap and easy sector and geographic diversification offered by exchange-traded products (an umbrella term for exchange-traded funds and exchange-traded notes). Which, btw - I have started to do myself. Just small amounts, but yeah. Built up in a local investment first, until I have sufficient capital to buy enough units to overcome the minimum charges that these products normally have.

Looking at it for the 155mm cranks. Tired of pedal strikes