Dingaan Ndlovu

I'm like that closed book....

[Clement Manyathela @TheRealClementM]

Njani guys? Shouldn’t the section 27 complaint inform the investigation? How could an investigator only have sight of section 27 referral after commencing an investigation.

[Bhut' uNduuh @Nduuh_Masondo]

My movie site is no longer working...where do you guys stream latest movies?

[Mzala Tom @RealMzalaTom]

1. SOSHANGANA'S GASA KINGDOM 🇲🇿🇿🇼🇿🇦

King Soshangana was born in present day KwaNongoma in KwaZulu to Zikode kaGasa, a chief of the Ndwandwe empire under King Zwide kaLanga. The Gasa occupied the Mkhuze region around the eTshaneni mountain.

[Judaeda Blanco @Judaeda3]

Best TV hack🤔🤔

[It’s Sho time @ShoMadjozi]

I have the English😊 Let’s go🧵

“Tsonga” clans have lived in Southern Africa for almost a thousand years.

When Shaka defeated the Ndwandwe, 200 yrs ago, a Ndwandwe general called Soshangane fled to “Mozambique,” where he unified various Tsonga clans and formed the Gaza empire

[Me @thulanimsindo]

@JamesChego9 https://t.co/gzYVEWuVgw i have every sport here

[Siphiwo Khumalo @khumalosgb]

@akreana_ This is it

[Nancy's Kitchen @NancysKitchen1]

@akreana_ @10SixGun How it started and how it’s going

We do catering for all type of events 0686962962 WhatsApp only!!

We also sell home cooked meals Monday- weekends ONLY

We host events every second week of the month SUNDAYS

We are located 29332 Ext12 Meadowlands near Tshepo Themba hospital

[The Investing for Beginners Podcast @IFB_podcast]

How Does Mastercard Work?

$MA, the 2nd part of the payments duopoloy with $V, has earned 28.9% CAGR since IPOing in 2006.

Most of us have heard of the company, but how many know how it works?

Let's fix that right now.

Like Visa, and contrary to popular belief, Mastercard is not in the credit card business. Mastercard is part of the duopoly, along with Visa, connecting consumers and merchants globally, enabling the moving of money easily.

Mastercard helps provide the infrastructure that allows banks (financials) and merchants to communicate with each other.

As the second biggest player in the duopoly, Mastercard enables us to use our debit cards, credit cards, and prepaid cards in more than 150 currencies in over 210 countries globally.

Mastercard processed over 164 billion transactions in 2022, with $8.5 trillion in gross volume.

So, how does Mastercard make money? Let's walk through the graphic below to help better explain the model.

In any of Mastercard's transactions, there are four players:

· Cardholders
· Issuing bank (cardholder)
· Merchant
· Acquirer (merchants bank)

As we can see from above, Mastercard is in the middle of the process, acting like a toll operator, responsible for the authorization, clearing, and settling of the payments.

When Mastercard processes any payment over its rails, the banks will pay:

1. A fee per transaction (transaction fee)
2. % of the gross dollar volume (volume fee)

The customer starts the transaction by buying your new AirPods for $100; I know what a great deal! Once we swipe our credit card at the Apple store, a signal will route from Apple through Apple's merchant bank for authorization.

Our bank will check our credentials and whether we can fund this purchase. Once we approve, Apple's bank will give the store the green light to finish the transaction. Apple's POS (point-of-sale) will print a receipt, and we can go home with our new AirPods.

After we leave the store, the clearing process of the transaction continues. Apple's merchant bank will send the purchase details to our bank to update our account and the merchant's accounts and determine how much our bank will pay.

Finally, the settlement process continues with the acquiring bank (Apple's), and the Apple store gets paid by our bank.

If you notice the graphic above, you might see that the Apple store only received $98 instead of the $100 charge we paid for the AirPods.

That difference of $2 is the merchant discount rate that Apple's bank collects from the Apple store to enable payment. The acquiring bank must pass along part of the $2 to other players in the ecosystem, known as an interchange fee.

Our bank gets a bigger cut of the $2 because they take the credit risk they extend to us, and Mastercard collects a small portion to act as the toll operator between the two banks.

Here are some ideas to consider when considering the above process.

First, the process takes seconds to accomplish some things, which is an amazing feat.

Second, Mastercard's two cents may seem puny, but when you consider they process upwards of 164 billion transactions a year, it all adds up.

Mastercard classifies its revenues into four segments:

· Domestic assessment fees
· Cross-border assessment fees
· Transaction processing fees
· Other revenues

Below is a breakdown of Mastercard's four revenue streams for 2020:

The company has an extremely wide moat because of how Mastercard works and its network effects. The more consumers use Mastercard's network, the more attractive the network becomes for merchants, which makes the network more convenient for consumers, and round and round we go.

At this point, Mastercard and Visa realize universal acceptance in most developed markets.

The highly scalable nature of Mastercard's payment processing leads to huge cost advantages for large payment networks, which helps further entrench their competitive advantage.

[Jabulani Macdonald ⚡️ @Jabu_Macdonald]

Here’s a thread of some of Mamzobe’s funny moments 😂🤭 #UmkhokhaTheCurse

[Lord of Knives🔪® @Rathipa_Rampedi]

Siblings
😭😂😭

[𝑻𝒉𝒆 𝑺𝒂𝒍𝒕 𝑶𝒇 𝑻𝒉𝒆 𝑬𝒂𝒓𝒕𝒉 @Shadaya_Knight]

DON'T BE A WILL SMITH

Will Smith could have easily been remembered as one of the best actors of his generation but he will now be remembered as the poster boy for simping. His image is ruined beyond repair, all because he picked a damaged woman for a wife. This is why it is very important to avoid damaged women

Many men suffer from the "save a damsel in distress" syndrome. This is a result of being programmed that women are these innocent beings, if they're damaged in any way, a man must step up to save them. What this mentality fails to recognize is, these women are not victims but architectures of their own misery

There's a saying, water seeks it's level, meaning guys who think or tell women with bad men things like "he doesn't deserve you, you're better than this" are too stupid to realize that's her actual type. She doesn't need any saving, she's right where she should be

Will Simp formerly Will Smith made the mistake of trying to save Jada Pinket, this was a woman who had been around a thug, fascinated, obsessed with this thug, Tupac. He thought it was his chance when Tupac died to prove to Jada, how much of a better man he was.

This was his biggest mistake ever, because if a woman has a history of rewarding evil, she'll not appreciate goodness. Sure she may accept the good gestures but she will not appreciate them. And eventually, sooner or later, she'll punish you for it. It's not a matter of IF but WHEN

There's that saying never take a wounded stray home, because once it's healed, it will bite you and go back to the streets where you found it. In simple terms, yes a damaged woman can be with you, the good guy (out of desperation) and she'll be accepting of your good gestures, treating her like a queen. But in reality she'll always thirst for that bad boy who treated her like shit

She doesn't want to be pedestalized but objectified. As twisted as that is, that's just how it is, she will reward the sins of strength and punish the good deeds of weakness. Now with this knowledge, don't try to go and about trying to be captain save a thot, let damaged women be

You will never be a damaged woman's greatest lover, she'll always compare you to that shitty guy. She's emotionally cold to kindness, care or love, she'll interpret it as weakness. Her emotions can only be triggered by the opposite of that. Meaning if you want to deal with a damaged woman (which I strongly disagree with) then you will have to match or overshadow the toxicity of every other man she's been involved with

But is it worth it, instead you can just go for a woman who hasn't been damaged. Learn OR perish!!!

[John Constas @JohnConstas]

Vitamin Cheat Sheet

Vitamin A = Skin + eye + liver + immunity
Vitamin B1 = metabolism/stress
Vitamin B2 + B3 = energy
Vitamin B5 + B6 = neurotransmitters
Vitamin B7 = hair and nails
Vitamin B9 (Folate) = supports liver detox
Vitamin B12 = blood health
Vitamin C = antioxidant
Vitamin D = immunity & sex hormones
Vitamin E = antioxidant
Vitamin K2 = arteries & bone health

Mineral Cheat Sheet

Boron = hormones/metabolism
Calcium + Phosphorus = Bone health
Chromium = blood sugar
Copper = iron metabolism
Iodine = thyroid hormones
Iron = oxygen transporter
Magnesium = sleep/anxiety
Manganese = sugar metabolism
Molybdenum = iron metabolism/Detox
Potassium/Sodium = heart health
Selenium = mitochondria (energy)
Zinc = immunity/testosterone/stomach

Functionally Essential Nutrients

Carnitine = Mitochondrial health
Carotenoids = Eye health
Choline = Memory + gastric function
Coenzyme Q10 = Energy production
Inositol = Sleep + brain health
Lipoic Acid = Antioxidant

[The Instigator @Am_Blujay]

If you don't know the conflict between Israel and Palestine let me summarize is for you in this thread.

[Matt Allen @investmattallen]

One of the greatest investing speeches ever:

[Mrs Fox 🕊️ @CaliforniaFrizz]

Saturday’s Story:

I had just spent an hour in the bank with my father, as he had to transfer some money. I couldn't resist asking:

"Dad, why don't we activate your internet banking?"

"Why would I do that?" he replied.

"Because then you wont have to spend an hour here for things like that transfer.

You can even do your shopping online. Everything will be so easy!"

I was so excited about introducing him to the exciting world of online banking.

He thought for a minute, then answered "If I do that, I wont have to step out of the house?"

"Yes, yes" I said. I told him how even grocery can be delivered to your front door now, and how Amazon delivers everything!

His answer left me speechless.

He replied "Since I entered this bank today, I have met four of my friends. And I have chatted for a while with the staff who know me very well by now.

You know that I am alone. This is the company that I need. I like to get ready and come to the bank. I have more than enough time, it is the physical touch that I crave.

Two years ago I got sick, The shop owner, where I buy my fruit, came to see me and sat by my bedside and cried.

When your mum fell down few days ago during her morning walk, our local grocer saw her and immediately brought his car to rush her home, as he knows where I live.

Would I have that 'human' touch if everything became online?

Why would I want everything delivered to me, forcing me to only interact with my computer?

I like to know the person I'm dealing with and not just the 'seller'. It creates bonds and relationships.

Does Amazon deliver all this as well?"

Technology isn't life. Spend time with people. Not with devices.

#SpendTimeWithPeople #CashIsKing #TheImportanceOfConnection

[Daniel Mahncke @MnkeDaniel]

Understanding Risk is key to successful investing.

Howard Marks has done a phenomenal job at explaining what risk actually is.
Spoiler: It's not Volatility!

I believe every investor should hear Marks' ideas on risk:

[🍔🍗🍟 @TheburgeryardZA]

Weekend enkhulu 🚀🚀🚀🚀

[Dhaval (Investment Books) @InvestmentBook1]

Charlie Munger's Investing Principles Checklist from Poor Charlie's Almanack