Walter.

- compare SA interest rates
- does anyone know?

[Walter. @ratecompare]

[Stock Broker Fees]
If you buy two shares a month of R5k each, it will cost you
- R409 in total monthly fees* at Standard Bank OST
- vs R62 in total monthly fees* at @EasyEquities

* brokerage + settlement + monthly platform fees.

#FeesMatter

Source: https://t.co/xnpro44FVI

[Mario Zechner @badlogicgames]

yeah, going back to gpt-5.3-codex. 5.5 doesn't read stuff anymore, neither in pi, nor in codex CLI.

[Walter. @ratecompare]

@badlogicgames That continues to be the most annoying thing.

Agent: Done.
Me: nope. Please run it. Append files.
Agent. Done.
Me: nope

Question does codex cli have some additional system prompt to tell it agent to execute?

PS. Enabled pi codex profile and that largely works well.

[Walter. @ratecompare]

@boringmarketer Can one use Claude agent SDK with @sawyerhood's dev-browser?

[Walter. @ratecompare]

@WendyVerwey That's the best way to handle it, agree . Thanks 👍

[Walter. @ratecompare]

How would you respond to this kind of email?

[Walter. @ratecompare]

PS. Nedbank Platinum Fixed Deposit account.

[Walter. @ratecompare]

@WendyVerwey Their contracts are crazy.

[Walter. @ratecompare]

Adobe! I am trying to find the bloody cancel subscription button on your accounts page for the last 30 minutes.

Are you playing some evil game of hide and seek?

[Walter. @ratecompare]

@sama No.

[Simon Brown @SimonPB]

Horror story

±R300k illegally taken out of a RSA Retail Savings Bonds account.

They story seems that a request for change of bank account was successfully made. Then a request for early withdraw of over R300k was successfully deposited into the scammers account.

1/n

[Walter. @ratecompare]

@adamwathan I hated CSS until tailwind came along.

[Walter. @ratecompare]

South Africa: "TFSAs are great. You can invest up to R36k per year!"

UK: "Hold my tea..."

UK annual limit is £20k. About R450 000.

[Walter. @ratecompare]

Ended up with a yoda health warning 🤣...

[Walter. @ratecompare]

Should I add this health warning to the "Tax implications of withdrawing from an RA" calculator, I am working on?

[Walter. @ratecompare]

PS here is the tax calculator with no health warning. https://t.co/DsGIVjjArE

[Walter. @ratecompare]

Should I add this health warning to the "Tax implications of withdrawing from an RA" calculator, I am working on?

[Walter. @ratecompare]

@swartsrh Luckily there are some good, low cost index RAs. Sygnia, 10x, prescient. Costs can be below 1%.

[Walter. @ratecompare]

Here is the best way to reduce tax on your bonus.

Salary: R50k pm
Bonus: R50k 😀
Tax on bonus: R18k 😢
Bonus after tax: R32k

If you take 20% of your bonus and invest in a retirement annuity, you reduce your tax payable to R14.4.

https://t.co/HbXF7D6Y1C

[Walter. @ratecompare]

@swartsrh I wish it were CGT. That would make the case for RAs very easy. Unfortunately not that easy

[Walter. @ratecompare]

@swartsrh Nope. No CGT.

[Walter. @ratecompare]

@DarylReuben @Tbo_Toush @ndizwanga @mommy_moneyza The other one is dividend tax and tax on any interest earned. Although you could assume no interest. That would further compound your RA investment

[Walter. @ratecompare]

@DarylReuben @Tbo_Toush @ndizwanga @mommy_moneyza Is that Income tax on retirement based on today's tax tables? or are you assuming that tax tables will be adjusted over time with inflation?