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@Patrick, is your Compound interest calculator coded to compound monthly or annually?
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Shares / Re: TFSA vs Homeloan
« on: March 03, 2016, 12:01:50 am »
Was in the same boat as you and we chose to pay bond off first in 5yrs. Do the maths and calculate exactly what interest you are really paying.
A tip and something that helped us in tricking ourselves into seeing progress was every month we paid extra into the access bond was to reduce the installment accordingly based on the outstanding balance so you actually get to see the return you're "earning" every month you see the reduced installment debit order come off your account.
What are your future goals, bond balance, kids, other debt etc?
A tip and something that helped us in tricking ourselves into seeing progress was every month we paid extra into the access bond was to reduce the installment accordingly based on the outstanding balance so you actually get to see the return you're "earning" every month you see the reduced installment debit order come off your account.
What are your future goals, bond balance, kids, other debt etc?
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Shares / Re: Look out, we are heading for a crash again
« on: February 24, 2016, 09:22:23 pm »
STXIND currently at price it was a year ago. Looks like now's the time to pile in and start picking up stock at discounted prices.
SUI at half the price it was a year ago. Only know this because I received an email from SBSA OST this morning of which Stuart Thompson will be hosting a webinar on Friday morning about it.
Surely this is the time to be finding gems at discounted prices for the long term?
What methods does one use to find discounted stock in these times?
As the saying goes when there's blood on the streets...
SUI at half the price it was a year ago. Only know this because I received an email from SBSA OST this morning of which Stuart Thompson will be hosting a webinar on Friday morning about it.
Surely this is the time to be finding gems at discounted prices for the long term?
What methods does one use to find discounted stock in these times?
As the saying goes when there's blood on the streets...
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Shares / Re: Investing in SA or taking/leaving money overseas
« on: February 10, 2016, 09:47:12 pm »
Very informative thread. How did you open a US bank account Patrick?
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Shares / Re: TFSA vs RA vs Satrix - Calculator
« on: November 29, 2015, 09:58:07 pm »
Have I said how cool this spread sheet is again? Been wanting something like this for ages, and too dumb with excel to be able to do it myself 
. Ok, I changed the homeloan payment to 1 cent for the time being
Thanks. Adding the value of the investment on the summary page would be way cool
Is there somewhere in the sheet to see what the monthly contributions to RA, TFSA(R2500) and Equity contributions are monthly/annually till FI is reached based on the inputs? This just to verify how close this is to reality.
Hmm, ok I understand that & why you did it that way, and that it's a way to reverse engineer using those numbers because who in reality can save 100% of their salary. But would you somehow be able make it work without the "reverse engineering"only when you input 100%, for someone that wants to be able to commit 100% or through other means can do so(lets pretend they can live without touching their earned salary during this growth phase
) but with an expectation that after FI is reached they want that income inputted in "Monthly Spending buffer after FI" without it affecting the calculation? Hope that makes sense? You see the idea is the 900,000k "Once off spending buffer at FI" is to settle a rental property for instance that will then provide another portion of income, hence the lower "Monthly Spending buffer after FI" figure which will complement this income to make up for the "real" requirement once FI is reached.
Quote
never a bad questionSorry to be tearing it apart
seems like you uncovered a possible bug added recently, i will try and correct it when time allows. Trying your values, the Div/0 error comes in when you enter the homeloan and car values. For now make it R100 per month for a year - it should be basically ignored for most of the calculations.
. Ok, I changed the homeloan payment to 1 cent for the time being Quote
If you want to see the value of the investment at certain periods, you will need to go to the worksheets - unfortunately the summary page shows the salary that can be drawn from that investment ( a further step down the line)
in all sheets this is located at a row labelled current
F:29,G:29,H:29 for the first period (after 5 years in your example - seems like i left it highlighted yellow just below , so should be easy to locate)
F:78,G:78,H:78 for the second period (10 years)
F:127,G:127,H:127 for the third period (14 years)
F:176,G:176,H:176 for the last period (19 years)
Thanks. Adding the value of the investment on the summary page would be way cool
Is there somewhere in the sheet to see what the monthly contributions to RA, TFSA(R2500) and Equity contributions are monthly/annually till FI is reached based on the inputs? This just to verify how close this is to reality.
Quote
a note on this - the calculator takes the reverse of the 100% to determine your current living expenses ( expenses + savings = salary). Thus savings will/should always be less than 100% ( unless you got a big heritage somewhere)
sample output follows :
this takes savings as 90% ( thus expenses per month is +-R5193 initially)
Hmm, ok I understand that & why you did it that way, and that it's a way to reverse engineer using those numbers because who in reality can save 100% of their salary. But would you somehow be able make it work without the "reverse engineering"only when you input 100%, for someone that wants to be able to commit 100% or through other means can do so(lets pretend they can live without touching their earned salary during this growth phase
) but with an expectation that after FI is reached they want that income inputted in "Monthly Spending buffer after FI" without it affecting the calculation? Hope that makes sense? You see the idea is the 900,000k "Once off spending buffer at FI" is to settle a rental property for instance that will then provide another portion of income, hence the lower "Monthly Spending buffer after FI" figure which will complement this income to make up for the "real" requirement once FI is reached.
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Shares / Re: TFSA vs RA vs Satrix - Calculator
« on: November 29, 2015, 06:48:46 pm »
Overwhelming is an understatement 
I'm trying to figure a few things out, if you don't mind me asking?
-Where do you see the values of each vehicle after the various FI periods invested?
-When I input 100% of salary, it messes up the calculations somewhere and doesn't output the data in the 4 Results(FI test after X Years) as per attached. You know why?
I'm trying to figure a few things out, if you don't mind me asking?
-Where do you see the values of each vehicle after the various FI periods invested?
-When I input 100% of salary, it messes up the calculations somewhere and doesn't output the data in the 4 Results(FI test after X Years) as per attached. You know why?
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Shares / Re: How does the satrix indi do so well?
« on: November 26, 2015, 08:00:48 pm »
Unbelievable how well stxind does. Will it ever see a huge correction?
What will happen to it if naspers takes a huge dive?
What will happen to it if naspers takes a huge dive?
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Shares / Re: TFSA vs RA vs Satrix - Calculator
« on: November 26, 2015, 07:54:15 pm »
What a great piece of work erwintr. Thanks very much for sharing.
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Shares / Re: 888 experiment.
« on: September 16, 2015, 09:03:31 pm »
Why did you choose APF over the other REIT's with them being fairly new to market?
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Shares / Re: My Beginner's Portfolio Blog(Experiment)
« on: September 16, 2015, 09:01:33 pm »
What software or website are you using to monitor the 3 MA's for triggers? Take it your using the monthly MA's and not the daily?
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Shares / Re: justOneLap.com
« on: April 19, 2015, 08:45:29 pm »
great source of education that justonelap.com site.
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Shares / Re: My retirement blog.
« on: April 19, 2015, 08:44:21 pm »
This too is my path I wish to follow. 35. House is paid off, 3 rentals (2 are townhouses(bonded) and 1 is cottage on paid off property), in the process of acquiring a 2nd easy to run small business. I'm all for easy to manage passive income streams with minimal effort. I'm starting to realize it's rare where you see the returns else where like in profitable small businesses started or bought at the right price, although let me say finding them is a task on it's own. Stock market and property included.
I think a separate early retirement thread is a great idea Patrick, especially for those that have done it. Would love to hear Mr_Dividends story too and ask questions as they come to mind.
I wish to follow. 35. House is paid off, 3 rentals (2 are townhouses(bonded) and 1 is cottage on paid off property), in the process of acquiring a 2nd easy to run small business. I'm all for easy to manage passive income streams with minimal effort. I'm starting to realize it's rare where you see the returns else where like in profitable small businesses started or bought at the right price, although let me say finding them is a task on it's own. Stock market and property included.I think a separate early retirement thread is a great idea Patrick, especially for those that have done it. Would love to hear Mr_Dividends story too and ask questions as they come to mind.
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Shares / Re: Great stock webinar.
« on: March 05, 2015, 09:20:24 pm »
Yes it is Orca, I watched it last night.
Another good one, and I'm probably going to start my own portfolio like this, was this Momentum portfolio of his http://www.justonelap.com/webinarDetail.asp?intWebinarID=246
Another good one, and I'm probably going to start my own portfolio like this, was this Momentum portfolio of his http://www.justonelap.com/webinarDetail.asp?intWebinarID=246