Karabo Kerzer Seane

Exploring energy, food, and money. I watch all three + soccer. Been on it here on X since 2009. ⚡🌾📈 ⚽️No fluff, just feed! All Opinions are mine

[MR. HiMSELF @pushinM15]

Same TFSA. R800,000 difference. Here's why.

Most South Africans don't know there are actually two very different types of TFSA. And picking the wrong one is one of the most expensive financial mistakes you can make.

A Bank TFSA puts your money into a fixed deposit or money market account inside a tax-free shell. Your capital is safe. You earn around 7% a year. No nasty surprises.

An Investing TFSA holds ETFs, unit trusts, or equity funds inside the exact same tax-free wrapper. More volatility short-term. But South African equity has historically returned around 10 to 12% a year. Over decades, that gap is brutal.

Real numbers:

Contribute R46,000 a year for 11 years. You've hit the R500,000 lifetime cap. Leave it untouched for 9 more years.

Bank TFSA at 7% = roughly R1.6m
Investing TFSA at a conservative 8% = roughly R2.4m

Same wrapper. Same contributions. Same tax protection. R800,000 difference.

And equity has historically done better than 8%.

Then there's fees. Bank managed TFSAs often charge over 2% per year. Low-cost platforms like EasyEquities or Sygnia Skeleton charge 0.25 to 0.45% per year. A 1.5% fee difference over 20 years can quietly eat 30% of your final wealth.

The TFSA is just a box. What you put inside determines the size of your future.

Don't waste a R500,000 lifetime tax-free allowance on a 7% fixed deposit.

[Karabo Kerzer Seane @RealKerzner]

@tidisoccer Gents can you stop blaming players
It’s absurd

[Karabo Kerzer Seane @RealKerzner]

@Yanga_Co @SizzleThobile Askies man

[Random Feed @ipostrandom21]

Daphne Joy leaves fans speechless with shocking claims, saying Akademiks will pay her $100k a month to be with him while The Rock paid her $300k last week for a one-night stand, claiming her leaked video changed her life 😳

"Aka baby is paying me $100k a month."
"Dwayne is a nice guy too."

[Vebjørn | VJN @VJNCapital]

I love buying great companies on sale

Here are 10 of the best companies in the world that are down a lot the last month

1/10 $MSFT

[Numan @Numan_Ai12]

BREAKING: These 12 careers will quietly dominate the next 10 years.

Most people won’t notice until it’s too late.

The people learning these skills today will be impossible to ignore by 2030

[Patient Investor @patientinvestor]

5 Quality Stocks Trading Near Their Lows🧵

1. Microsoft $MSFT -25%

[Lwammie @AladyPL]

USpononi makaxole this man is gone for good… they are very much in love

[Shams Muhammad @ShamsETubriz]

Let me reintroduce myself.

I'm a senior software engineer who has worked fully remote for the last 7 years.

Today, I'm helping train a team of 20 overseas engineers, fully aware that one of them could replace me tomorrow.

That's not bitterness. It's reality.

The reason I value remote work isn't working in sweatpants.

It's family.

I get to drop my kids off at school in the morning and pick them up in the afternoon.

Most opportunities I see would require giving that up and spending 2–3 hours a day in DFW traffic.

I wasn't willing to bet my family's future on a job that could disappear overnight.

So I built a side business.

Today it generates about $9,000/month in revenue and $4,000–$6,000/month in profit.

But for years, I was stuck in classic analysis paralysis.

Then I found @ShannonJean through the Korner Office podcast.

He runs a $5/month mastermind with 3,000+ resellers who openly share wins, losses, mistakes, and real numbers.

So I stopped overthinking and spent the $5.

My first Costco liquidation auction from @bstocksol cost $1,700.

Inside:
- Pressure washers
- Ice machines
- Water cooler/dispenser 
- And a pile of other returns

I sold everything on Facebook Marketplace.

→ Got my money back in 2 weeks
→ Doubled my investment in 5 weeks

I was hooked.

Since then:
22 Costco liquidation auctions won
Hundreds of items sold

Furniture, appliances, rugs, lighting, luggage, exercise equipment, and more

Operated entirely from my garage and a single 10x30 storage unit

Today is Day 44 of documenting the journey publicly.

My next challenge is live selling on TikTok and Whatnot.

The goal isn't to get rich.

The goal is freedom.

To build something that can replace my tech salary before my tech salary disappears on its own.

No office.

No boss.

No anxiety about the next round of layoffs.

This account is where I'll share the journey:

Real auctions . Real numbers . Real wins . Real mistakes.

Zero guru fluff.

If you're in tech—or any 9-to-5—and building something on the side, I'd love to hear what you're working on.

Follow @shamsetubriz and let's build

[Nandi 🤍💜🤍 @pallnandi]

Never give the cookie away!

[Karabo Kerzer Seane @RealKerzner]

@EMukumbo 👌🏻👌🏻

[Man Tonai @MTonai62045]

Watch how he moved the car. This might help you.

[Karabo Kerzer Seane @RealKerzner]

���‍♂️🙆‍♂️🙆‍♂️

[Gergely Orosz @GergelyOrosz]

Went to NVIDIA HQ today.

Two interesting observations:

1. Snacks and coffee are not free: you have to pay for them. This would be unusual at Big Tech, but no big deal for devs here. "We use this thing called salary to buy stuff we actually need." Food for thought (literally!)

[Gergely Orosz @GergelyOrosz]

Everything about NVIDIA feels different to most of Big Tech I know, in the tactical stuff they seem to do.

But then the team I met operates more nimble and faster than most startups would do. I'm just not used to seeing this inside a public company. Ofc this was just one team.

Oh, and "Jensen" comes up every few minutes. He seems to be such a big driving force behind a lot of things there.

I will probably get more details and do a more in-depth writeup on NVIDIA. It's overdue anyway!

[Karabo Kerzer Seane @RealKerzner]

@EMukumbo Impressive

[MR. HiMSELF @pushinM15]

There's a legal provision buried in South Africa's Income Tax Act that lets qualifying taxpayers slash a massive chunk of what they owe SARS. Most people have never heard of it.

It's called Section 12B.

Section 12B lets you deduct 100% of the cost of qualifying solar energy assets from your taxable income. In year one.

One shot. Not spread over five years like most asset write-offs. All of it. Gone from your taxable income.

But here's the part that makes this accessible.

You don't need to go buy solar panels yourself. You invest into what's called an en commandite partnership. This is a legal fund structure where a group of investors pool capital to acquire solar assets. The fund generates electricity, signs long-term contracts (Power Purchase Agreements) to sell it to businesses and municipalities, and distributes profits back to investors twice a year. Individuals, trusts and companies can all participate.

Now add gearing. The fund borrows against your capital. Invest R200,000 and the structure can deploy R400,000 worth of solar assets. Section 12B lets you deduct that full R400,000 from your taxable income.

If you're sitting in the 45% tax bracket, that's R180,000 back from SARS. On a R200k investment.

Your net out of pocket becomes R20,000. And you still earn 8 to 10% a year from electricity sales on top of that.

This is not a loophole. It is a government incentive designed to pull private capital into renewable energy. Legal. SARS-approved. Binding class rulings exist on it.

But not all 12B funds are equal. Due diligence is non-negotiable.

Some people spend their whole careers handing SARS the full invoice.

Others find the section.

[Karabo Kerzer Seane @RealKerzner]

@randzodlamini @KingMntungwa Simple