Sergei Gurlokovich

MBDM || Follow at own risk || A$AP B.Y.M || Real Madrid

[Sergei Gurlokovich @Real_kmatang]

The worst,
@Discovery_SA has had my vehicle since April 29th, we are literally 64 days and counting, and no one ever helps.

I honestly regret adding insurance to profile of products with them. They have everything else. My bank, health, etc. here ?? They are failing.

[E @sSslik]

If only @Discovery_SA insurance was as efficient in handling claims as running that monthly debit order, I won’t feel like they try everything they can to frustrate a customer at claim time (~ 2 months later)
@dineshgovender I think this department needs your magic to fix it! 🤦🏻‍♂️

[Sergei Gurlokovich @Real_kmatang]

The us is getting ridiculous, honestly

[PlayStation @PlayStation]

Important updates:

News on physical discs for new games - https://t.co/BzZODXdWGY

News on PlayStation Store on PS3 and PS Vita - https://t.co/ev3mN6wj14

[Sergei Gurlokovich @Real_kmatang]

@_onlyscott Eto’o

Adebayor

[Sergei Gurlokovich @Real_kmatang]

@Ronieutd Isn’t that Benni McCarthy ?

[Sergei Gurlokovich @Real_kmatang]

Guess who’s baaaaccccckkkk

[Sergei Gurlokovich @Real_kmatang]

Just killed The Boss, on extreme mode.
#mgsDelta#TheBoss

[Sergei Gurlokovich @Real_kmatang]

Xabi needs to apologise to you

[Vini Jr. @vinijr]

Hoy quiero pedir disculpas a todos los madridistas por mi reacción al ser sustituido en el Clásico.

Así como ya lo he hecho en persona durante el entrenamiento de hoy, también quiero pedir disculpas nuevamente a mis compañeros, club y presidente.

A veces la pasión me gana por querer siempre vencer y ayudar a mi equipo. Mi carácter competitivo nace del amor que siento por este club y por todo lo que representa.

Prometo seguir luchando cada segundo por el bien del Real Madrid, como lo he hecho desde el primer día. 🤍 @realmadrid

[Sergei Gurlokovich @Real_kmatang]

@Camavinga Courtois needs a back up @Camavinga

[Madrid Zone @theMadridZone]

🚨 BREAKING:

Viní Jr. shirts are also available on Real Madrid official stores and website.

[METAL GEAR OFFICIAL @Metalgear]

Deep behind enemy lines, a mission to prevent nuclear war becomes a fight for survival 🐍

Take a look at the new METAL GEAR SOLID Δ: SNAKE EATER gameplay trailer❗

Releasing August 28❗- https://t.co/c52t6mlKTJ

#MGSDelta #MetalGearSolid

[Sergei Gurlokovich @Real_kmatang]

Can someone add Man City players cut outs to the faces, considering 1 win in 10 games

@ManCity

[Sergei Gurlokovich @Real_kmatang]

@Br1Porzio Come on, we know you hate Vini. You’ve posted several times against him. Calling him a joke, you weren’t even allowed to vote considering you wouldn’t be objective

[Sergei Gurlokovich @Real_kmatang]

@footballtweet For how long must Madrid be the “bigger person”. Real Madrid will no longer stand for this shit.

They did the same thing to us 2 years ago, when Madrid won the league and UCL, But was voted 3rd best team in the world, behind 2 teams we beat in the final, and Semis of the UCL.

[Ndzavi Derrick .CBA @NdzaviDerrick]

Understanding the two-pot retirement system:

South Africa’s new two-pot retirement system was signed into law by President Cyril Ramaphosa on June 1, 2024. A statement by the Presidency said the Revenue Laws Amendment Bill of 2023, which established a two-pot system, gave members access to retirement savings without having to resign or cash out their entire pension funds. It also confirmed the September 1, 2024, as the date it comes into effect.

The intention of the new retirement regime is to address the concerns related to lack of preservation before retirement and lack of access to retirement funds by households in financial distress.

The much-talked-about two-pot retirement system will have a significant impact on your retirement investments. The two-pot system gives South Africans access to some of their retirement savings in the case of emergencies while ensuring that they save most of their money in their pension or retirement fund.

The Covid-19 pandemic highlighted the need for people to access a portion of their savings or investments because of the impact of job and income losses. Consider this scenario: you lose your job and, as a result, you and your family are going to lose your home because you cannot afford to pay your rent or bond. The money in your savings pot could save your family from becoming homeless and buy you time to find another job.

The two-pot system’s implementation is a big improvement on South Africa’s retirement regulations and will aid in striking a healthy balance between access to retirement savings and preservation.

Currently, most members of retirement funds choose to access and spend part or all their funds rather than preserve their retirement savings when they change jobs. This has been a major contributing factor to people not being able to retire comfortably when the time comes.

Key questions that will help South Africans know more and better understand the new two-pot retirement system:

1. What is the two-pot system?
The two-pot system is basically a divided retirement savings into three pots: vested, retirement and savings. From the September 1, 2024, your retirement savings will be treated in the following manner:

Everything you have saved will be classified as vested and will sit in a vested pot. The scheme rules will continue to apply to the vested pot.

Two-thirds of all future contributions will go into your retirement pot and cannot be accessed until the day you retire.

A third of future contributions will go into your savings pot which you can access in an emergency, but only once every tax year (March 1 to February 28 or 29).

The above is subject to exemptions and applicable tax rules

2. What happens on September 1, 2024?
Ten percent of your retirement fund will be transferred to the savings pot, with a maximum cap of R30 000. For future contributions, a third goes to savings and two-thirds to retirement. For example, if you contribute R1 200 a month to retirement, from September, 1, R800 will go into your retirement pot and R400 into your savings pot.

3. When can I use the money in my savings pot?
Access to the savings pot is permitted once a tax year (March 1 to end February), with a minimum withdrawal of R2 000, taxed in line with your marginal tax rate which will be determined by Sars.

4. What happens if I resign or lose my job?
Funds in the savings pot can be accessed again in the same tax year if you resign or are retrenched and cease to be a member of the fund as a result. Remember, that any money in your vested pot is subject to the old rules. You cannot touch your retirement pot until retirement.

5. What happens to my savings pot at retirement?
At retirement, you can decide to take some or all the money in your savings pot as a single lump sum payment subject to applicable tax or choose to use the funds to purchase an annuity as with the retirement pot

6. How will the withdrawal affect my future?
Saving for retirement is important and when you take money out of your retirement savings, it can slow down the growth. It might feel like a small amount of money that you are withdrawing now, but it could make a big difference to the amount in your retirement fund at your retirement date. It will also limit your available lump sum value at retirement. Thus, it’s best to take money out only if it’s an emergency and you have no other options.

7. Why are people who were provident fund members and over 55 on March 1, 2021, exempt from the new rules?
There are complicated rules applicable to members which can exempt them from participating in the two-pot system. One of the main factors considers the fact that the members are close to retirement and, the introduction of the new rules might negatively impact their retirement planning, as well as ensuring that their old provident fund benefits remain protected.

As a leading provider of integrated financial and lifestyle services, we strongly advice South Africans to consult with a financial adviser so they can make a well-informed decision on whether it would be appropriate to withdraw their savings pot. We also want to emphasise that the accessed retirement funds should not be used for instant gratification pleasures such as going for a holiday or buying a luxury item.

* Published @IOL Written by Esther Ochse who is the product head at FNB Integrated Advice and Samuleko Zwane who is the head of product at FNB Wealth and Investments.

[Toni Kroos @ToniKroos]

😂❤️

[Sergei Gurlokovich @Real_kmatang]

We cannot

[Kaushik @kaushiktweetz]

The most scary day arrives today for me as a Real Madrid fan 💔 #ToniKroos

[Sergei Gurlokovich @Real_kmatang]

Vini playing nonsense

[Sergei Gurlokovich @Real_kmatang]

We need a verse from Wayne on BBL Drizzy man,

#BBLDRIZZY

[Sergei Gurlokovich @Real_kmatang]

This is that Arsenal we know

[UF @UtdFaithfuls]

Here's a really slow clip of the penalty incident.

How did VAR not see it was a blatant dive, manipulation, and cheating from Elliot?

Wan-Bissaka made absolutely NO contact with him.

Still fuming man.