Sizwe Katlego Vilakazi

Rough Diamond...

[Idris Akinlabi @eedris_akinlabi]

Corporate life will teach you that knowing the job is only half the battle.

The real skill is staying calm in meetings, reading the room, managing ego, receiving vague feedback, and not replying emails with your real thoughts.

[Business Explainer @businessXplain]

WHY LENDERS ARE SAYING NO

South Africans are increasingly relying on credit to survive rising living costs, but experts warn that poor credit management is becoming a major financial trap.

New data from Experian shows demand for credit is at record levels while lenders are becoming far stricter about approvals.

Many households are using credit cards and loans to cover everyday expenses, increasing the risk of long-term debt problems.

Full analysis - https://t.co/COLTJoyCgf

Pictured - Sikhulule Mabece, Head of Legal and Compliance, Experian Africa

[David (TalkingCents) @talkcentss]

The ZAR has lost 75% of its purchasing power in the last 25-26 years.

R25.50 in the year 2000 has the same purchasing power as R100,00 today.

You’d actually need around R392 in today’s money to match R100 back then.

[David (TalkingCents) @talkcentss]

The 𝗱𝗲𝗳𝗲𝗿𝗿𝗲𝗱 𝗽𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 is a debt trap for young professionals. ‼️🚨

It’s been framed as “𝗵𝗼𝘄 𝗰𝗮𝗻 𝘄𝗲 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂” but really it is “𝗵𝗼𝘄 𝗰𝗮𝗻 𝘄𝗲 𝗵𝗲𝗹𝗽 𝗼𝘂𝗿𝘀𝗲𝗹𝘃𝗲𝘀”

I say this because if they really wanted to help, 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝘁𝘄𝗼 𝘆𝗲𝗮𝗿𝘀 𝗼𝗳 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗴𝗼 𝗲𝗻𝘁𝗶𝗿𝗲𝗹𝘆 𝘁𝗼 “𝗰𝗮𝗽𝗶𝘁𝗮𝗹” 𝗮𝗻𝗱 𝗻𝗼𝘁 “𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁”

——-

Let me explain:

The first two years go towards only repaying the interest portion on your home loan and not the capital. (𝗧𝗵𝗲 𝗯𝗮𝗻𝗸 𝗶𝘀 𝗱𝗲𝗹𝗶𝗯𝗲𝗿𝗮𝘁𝗲𝗹𝘆 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗶𝗻𝗴 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀 𝗮𝗿𝗼𝘂𝗻𝗱 𝗰𝗼𝗻𝘀𝘂𝗺𝗲𝗿𝘀’ 𝗺𝗶𝘀𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗼𝗳 𝗮𝗺𝗼𝗿𝘁𝗶𝘇𝗮𝘁𝗶𝗼𝗻).

With standard home loans, your monthly bond payment is split into two portions:

1️⃣Principal
2️⃣Interest

For example,

on a R1 million home loan at 10% over 20 years, your monthly payment would be R9,650, which is split like this:

1️⃣Principal = R1,316.88
2️⃣Interest = R8,333.33

𝗢𝘂𝘁𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗮𝗺𝗼𝘂𝗻𝘁 = 𝗥𝟵𝟵𝟴,𝟲𝟴𝟯

———

However, with the deferred principal strategy that FNB is using, it means you only have to pay the 2️⃣ interest portion on your home loan every month for 24 months. (R8,333)

That means your monthly payment falls from R9,650 ——>R8,333, increasing your cashflow. 𝗕𝘂𝘁 𝘆𝗼𝘂𝗿 𝗼𝘂𝘁𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗱𝗲𝗯𝘁 𝘄𝗶𝗹𝗹 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲 𝗥𝟭 𝗺𝗶𝗹𝗹𝗶𝗼𝗻.

For this privilege of keeping your debt the same, you save R1,317 month (R15,804 a year).

———

*After the two year “grace period” your 20 year home loan is compressed into 18 years and the loan reverts back to a standard home loan.

Now you have a R1 million home loan at 10% (Or whatever the prevailing rate is) over 18 years. So the breakdown would now be:

Monthly = R9,998

1️⃣Principal = R1,665.10
2️⃣Interest = R8,333.33

𝗢𝘂𝘁𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗮𝗺𝗼𝘂𝗻𝘁 = R998,334
(25 months in)

———-

Under a standard 20 year home loan agreement, you would pay back:

✅R2.31 million (R1.31 million interest)

——-

Under FNB principal deferred structure, where they compress it into 18 years after the two year “grace period” you would pay back

✅R2.35 million (R1.35 million interest )

You pay back roughly R43,610 more than a standard home loan,

however,

the article does not mention if the loan would be compressed into 18 years after the two year “grace period” or

if it would be an additional 20 years after the 2 year “grace period”, in that case costs can rise by at least R200,000 more.

[MK Fraud Insights @MKFraudInsights]

In Midrand, Tshepo Madula was earning just over R3.3 million a year as Director of Procurement for one of South Africa’s largest FMCGs, responsible for sourcing raw materials and packaging for one of the country’s top-selling beer brands, and by the time a R248m supplier contract was awarded across three sites, the decision had already moved beyond commercial evaluation into a part of his life no governance framework was built to defend.

A Case Study.

[Rendani (MBA - Wits) @Rendani666]

Looting Eskom for the girl child

[Compounding Dividends @CompoundingW]

Financial Modelling : Debt Financing

[A F I K A @AfikaSoyamba]

I built a database of 1,248 South African businesses funded by the IDC and NEF.
856 from the IDC. 392 from the NEF. Every company name. Every amount. Every province.
The data tells a story the public needs to see.
NEF UPDATED: https://t.co/nb2oR3LdAC
IDC: https://t.co/B7nHWtxKAq

E&O expected.

[MduCeramicist @MduduziMats]

I will tell you my story about them and NEF! I wouldn't wish for that experience and treatment for any up and coming entrepreneurs!

[Koshiek Karan @iamkoshiek]

Basani Malukele became the first Black woman CEO of a commercial bank in SA

She now looks after 25 million clients as Personal Banking exec @CapitecBankSA

I spent time with Basani to discuss fintech & financial inclusion 📊🛠️

really cool stuff loading in her portfolio!! 🚀🚀

[𝕾𝖎𝖗 𝕮𝖍𝖗𝖎𝖘 @eagleseyeinc]

this is arguably one of the most dangerous ways to live as a man even if it looks strong on the surface.

i started working in mining straight out of school, remote sites, long rotations and harsh conditions and out there, weakness gets exposed fast, you carry your own weight, you fix your own gear, you eat what you cook, no one babysits you underground... that environment trains you to rely on yourself or get crushed, literally.

after a few years, that mindset followed me home. i paid my bills early, handled repairs, made my own food, kept my emotions locked up tight and independence became identity. if something broke, i fixed it. if something hurt, i buried it. i didn’t need anyone and i wore that like armor.

but here’s the part nobody tells you: when you build a life where no one is needed, you also build one where no one fits. relationships started feeling inefficient, emotional conversations felt unnecessary, vulnerability felt like handing someone a pickaxe and hoping they wouldn’t swing.

self sufficiency and independence is powerful, yes it makes you competent, steady and hard to shake but if your not careful as a man, it turns into emotional isolation disguised as strength... and unlearning that, learning to let someone stand beside you instead of always proving you can stand alone is harder than any shift underground.

[Rufybaba @Rufyb]

Hmmm, people wey don take position go cry o.

Context: in the hedge fund world, there is a common strategy called "merger arbitrage".

Merger arbitrage is a strategy with a relatively predictable return spread (typically 3%–7%) depending on the deal-specific risks. Approximately 70%–90% of announced mergers in the United States eventually close successfully, but there is always a possibility of a deal failing for various reasons.

Merger arbitrage can be seen as selling insurance on the acquisition. If the acquisition is successful, the investor collects the spread for taking on event risk. However, if the acquisition fails, the investor faces losses in the long and short positions. The payoff profile of the merger arbitrage strategy resembles that of a riskless bond and a short put option. Additionally, the merger arbitrage investor can be viewed as owning an additional call option that becomes valuable if another interested acquirer (White Knight) makes a higher bid for the target company before the initial merger proposal is completed (for example, the whole Paramount involvement).

In summary, merger arbitrage is a strategy that seeks to profit from the outcome of mergers and acquisitions. It offers relatively predictable returns but carries left-tail risk if deals fail.

[Rendani (MBA - Wits) @Rendani666]

Guys, the Investec guy DIDNT LOSE R2.3m in gambling. He is a financial advisor and knew what he was doing. Hollywood was just an intermediary to get the money out of the card because the error only allowed that transaction type.

The money was withdrawn into a different account. Classic money laundering scheme.

[Dr Nasiphi Moya @nasiphim]

We are pleased to announce that a landmark agreement has been reached with IMATU & SAMWU. We have secured a sustainable 3.5% salary increase (eff. 1 March 2026) and a full settlement for backpay, protecting the City’s financial stability while honouring our 21,089 employees.

Through constructive engagements with IMATU and SAMWU, we managed to reduce the backpay liability from R1.55 Billion to R1.08 Billion, this is a R466 million reduction.

Backpay will be staggered over 3 years to ensure sustainability:
• 2026: TASK levels 1-6 (June, Aug, Oct)
• 2027: TASK levels 7-10 (Feb, May, Dec)
• 2028: TASK levels 11-18 (Apr, Aug, Nov)
• 2029: TASK levels 19-22 (Feb)

[Dr Nasiphi Moya @nasiphim]

Today, we are formally announcing the implementation of the 3.5% wage agreement.

The 3.5% wage dispute dates back to the 2021 SALGA agreement with SAMWU and IMATU.

After arbitration and court processes, a final ruling on 31 October 2025 obliges the City to implement the 3.5% increase, backdated to 1 July 2021 with a potential R1.55 billion backpay exposure if paid as a lump sum.

An immediate payout of that scale would severely strain our finances, impact commitments to Eskom and other creditors, and put our 1 July 2026 funded budget at risk.

This administration inherited both the legal obligation and the financial consequences. We had a choice: prolonged litigation and uncertainty, or accept the ruling and work with organised labour on a responsible solution.

We chose resolution.
@CityTshwane @IMATU_Media @SAMWU_CoT_METRO

[Sizwe Katlego Vilakazi @SizweKat]

@nasiphim @CityTshwane @nasiphim where can one download the report? Or it's not yet available on to the public because it's not available on the City of Tshwane official website. I'd love to read it 😅

[robertmarawa @robertmarawa]

🔴 NAZOOOOOOOOOOO!!!!🔴

💥CAF SANCTIONS FOR SENEGAL AND MOROCCO.

💥Unprecedented.

💥Senegal fined a total of $615,000 while Morocco gets a total of $315,000.

💥Pape Thiaw suspended for 5 official CAF matches PLUS $100,000 for bringing the game into disrepute.

⚽️ Senegal are Afcon CHAMPIONS!! 🏆

Full sanction here..👇🏾👇🏾

https://t.co/EUvo7XHJSN

[Gauteng Department of Education @EducationGP1]

🕊️ IN LOVING MEMORY 🕊️

We remember with deep sadness and heavy hearts our beautiful learners, the cherished sons and daughters of our communities, whose lives were taken far too soon during an unfortunate scholar transport incident that took place on Monday, 19 January 2026 in Vanderbijlpark.

You were the future of our province. Your dreams, smiles, and potential will forever remain part of our collective memory. You will always be remembered, honoured, and loved.

🕊️ Buhle Radebe – Grade 11, Hoërskool Vanderbijlpark
🕊️ Bokamoso Mokhobo – Grade 8, Hoërskool Vanderbijlpark
🕊️ Sibongile Madonsela – Grade 10, Hoërskool Vanderbijlpark
🕊️ Leano Moiloa – Grade 8, Vaal High School
🕊️ Lesego Sefatsa – Grade 2, Oakwood Primary School
🕊️ Letlotlo Katlego Makwe – Grade 2, Vaal Triangle Primary School
🕊️ Ofentse Jayden Vinger – Grade 1, Oliver Lodge Primary School
🕊️ Lindokuhle Mabaso – Grade 5, Noordhoek Primary School
🕊️ Pheello Motaung – Grade 11, El-Shaddai Christian School
🕊️ Puleng Maphalla – Grade 11, El-Shaddai Christian School
🕊️ Naledi Motsapi – Grade 10, El-Shaddai Christian School
🕊️ Bohlale Lekekela – Grade 1, El-Shaddai Christian School

To the families, school communities, educators, and classmates, we extend our deepest condolences and continue to hold you in our thoughts and prayers during this difficult time.

🕯️ May Your Souls Rest in Peace 🕯️

[Times LIVE @TimesLIVE]

Rhodes University has elected retired Constitutional Court justice Mbuyiseli Madlanga as its new chancellor with effect from October 10. https://t.co/A43vzm1jFc

[Matt Mogotlane @Matt_Mogotlane]

Playing mobile games is currently the most popular way to make money online right now. I made $585.98 (R10 176.00) in August 2025 playing mobile games on multiple gaming apps. Check the thread for apps I used to make this amount.