Reme Le Hane

Went through some of the Stellenbosch Trail Network, hitting Mont Marie, GSpot, coetzenberg and then skietbaan. Also took a jump a side outside my limits, came out alive, which is what counts. https://www.instagram.com/p/B2Y2BLHnUqI/?igshid=jdbida7z3p37

As expected, when the rules are hidden they can be changed anytime

That is a coffee, but coffee is boring, gotta spice it up...

I am really beginning to see what others have been saying, with the most recent rules and reward changes and now with the addition of money effectively moving all our reward, vitality is become very worthless. Up until this afternoon I figured I still get a decent benefit through my life insurance, a 17.5% discount and 50% of premiums paid back every 5 years. Color me ******* stupid, by moving my life insurance I can save 45% on my discounted premium and get more benefits. This literally leaves the gym, which sad to say is actually worth it, at R950pm for my gym, I score paying the 259pm for vitality and getting my free shitty coffee each week.

More of the later, took as a training ride/challenge. Will definitely be putting the recon race and forekaster on for fedhealth though. I wasn't the only gluten for punishment, 2 in the group were ridding enduro bikes.

I took on the wannabees monster today, my first century ride and I did it in a set on minions.

Additional lid for those narlier trails I am starting to brave...

It's vitality, your getting penalised for being fit. I was very surprised I got 300pt for yesterday's ride, its normally a 0 point ride. Not sure if its something that's dinged my fitness or a set of minions really does make pedaling that much more effort.

Multiple activities is the workaround, without going endurance at least. Think about it like this, the ultra althetes go out for 10hrs+ and still only get 300pts...

Devuce booster is only applicable to hr devices.

Brilliant, big turn out so loads of fun.

Back at school I was not taught how to submit tax returns, I open the form, fill in the red blocks and submit.

Ya but that's your feet, my feet don't like them I have the liquorice all sorts ones at home and they sucked for running and sucked more for ridding. They the only socks that if I ride with them I end up with sore feet at the end.

Go put on a pair of balega enduro and see how much she complains the. [emoji23]

See, for us normal people thus is all confusing, why don't they drop silly subjects in school like history and replace it with life skills and teach us how to apply for car and home finance, how to do your taxes, what bank accounts means and when do you have to pay taxes on passive incomes like interest and investments.

I did my research when I signed up many months ago, the tax certificate I got kinda sinched it. Although, would not all savings accounts actually be tax free, what makes a tax free savings account different to a savings account. For investment accounts it makes sense, but why is account A limited to 33k per year and account B not limited, both pay interest 1 comes with a tax cert while the other now. I'm making money off interest on both accounts. Its the only non investment account I have that comes with a tax cert. Like that silly savings pocket that fnb gives you, am I meant to be declaring the like 10c in interest I make on it each year because there is like never money in it and it pays less than 1% in interest.

Let's not get started on the fruit salad vs is actually comfortable debate. Lol. Versus May look pretty but that's where it ends, they about as comfy as a shoe 2 sizes too small.

I was referring to account limits not tax free limits, which have some overlap. The account limits are also not annual limits they total limits are 100k per account, but to compmy with tax free that would be just over 4 years worth of putting in into a single savings account. So all the savings accounts are TFSA accounts, they allow you to open 10, and by TFSA law they limit that to 500k lifetime. Each individual account is limited to 100k ,they do not go into details as to closing accounts and opening new ones, so not sure if that's 10 in total or 10 at a time. So yeah 1 acc can take up to 100k, but it's still on you to ensure that your combines annual TFSA does not exceed the 33k,ao over like 4.5 years or so the 100k limit will remain tax free as well as any interest earned.

By law your allowed to put 33k per annum and up to 500k lifetime into tax free investments, assuming this is the only account you are using for tax free investing your allowed to dump the entire 33k/500k into it. If you are using other accounts then taxes will become liable at filing time. Onus is on you to manage that at this point.

Oh yes, my biggest amount sits with FNB, that's partly for eBucks requirements, real money goes to AG and annually when the FNB one anniversaries I take out what's about the min requirement and move it to AG, tyme has smaller more short term savings for testing purposes. But they are already more open and forthcoming with what's what than discovery, discovery is hiding everything behind a bait and switch, only way to know what it's worth is to open an account and pay them. Only wau to get real value is to go hole hog and move your entire banking 9ver to them and even then the rewards and requirements will change to benefit them. Even when I contacted them the refused to divulge anything and point blank stated there is no way to determine value without opening an account as if there are no rules governing the system and **** is thumb sucked by a computer per user.

My FiveTen died too young and thanks to adidas the warrenty was worthless, enter Ion.

You do know tge effort to get a banking license, not to mention the millions you need to have liquid to even think of applying. Our country may be pretty damned ******, but our banking controls and legislation is among the top in the world. Discovery is established and loaded and it still took them like 6 years to get the license. Personally I'd avoid the devil I know on this case, discoveries entire bread and butter revolves around screwing people over look at how much the value of vitality has decreased over the last 3 years.

It's 500k overall limit, 100k per account, 10 accounts. Tax free

I'm on 10% with tyme and no bank charges and no funky hoops

Saturday coming.