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Hallo Byron

First things first.  Don't even think about investing with interest-bearing funds, even at reduced rate.

Remember, you have to make up brokers fees, trustee fees, monthly admin fees and eventually tax before you will show profit on your investment, no need to add interest as well (big maybe, except for property).  And you assume your investment will pay off, sometimes they don't, it makes sense not to start with a negative then. Yes?

Don't leave the day job, no seriously you need f-you-money first ( http://investorchallenge.co.za/f-you-money/ ) as Patrick has so eloquently put it.  This is just as valid a point for full-time investing in whatever as for job hopping.  And if you are thinking about dipping into your pension fund, don't – pension funds should be untouchable and does not exist until you retire.

Now for what you should do:  You've already started, you're showing interest and you are investigating possibilities. Keep doing that and you'll eventually find your way, slow and easy – this takes time and calculated moves, don't rush.

You and your friends have interesting and much needed skill sets, why not come up with something on the side which incorporates all your skills, I don't know, a patent for some machine that uses alternative energy on farms which also assists with security.  (That is, if the SAP means 'police' and not 'IT-related-SAP'), but you get the idea.

Good luck and don't stop.

I'll stop preaching now. 

Someone once told me if you can't pay cash for that car you want, don't buy it.

Jip, that was my Dad.

lol, you're going to get a huge fine.

@ Supersonicbaron:  Also not an expert but look at the SFP, an increase in the interest bearing borrowings of R2 000m. Investigation into the SCF reveals a negative cash flow from operations despite the profit shown in SPLOCI.  To reverse the negative cash flow, TFG made borrowings of about R2 000m (also shown in SCF, in the cash from financing section.) This coupled with a rise in interest rates expected at the end of this year is enough to make investors fearful imo and that's why TFG is tanking. Nothing like a R2b+ interest bearing monster lurking to make you run for the hills. But yeah, no expert, just an opinion.

SFP:  Statement of Financial Position
SPLOCI: Statement of Profit or Loss and Other Comprehensive Income.
SCF:  Statement of Cash Flows

@P: arrr thanks matey.

Anybody know where I can download movies to tablet without providing my credit card details first?

The majority of South32’s selected assets are located in the southern hemisphere with its two regional centres – Australia and South Africa – linked by the thirty-second parallel south line of latitude.

Now that's original, I'll have to investigate this one, I like their approach so far.

Tsk, tsk. Et tu Brute?