Ivyn Sambo

Big News for JSE Investors! Guys, if you love investing in shares on the JSE, I am proud to announce the launch of my new email newsletter: The Portfolio Brief by Ivyn Sambo. When you join, you’ll get: • Daily emails on what is happening in the JSE. • Educational content on how to invest. • And much more! GIVEAWAY ALERT: Sign up today and stand a chance to win R1,000 in shares! Want more? If you invite your friends and they mention that you recommended them, you could win an additional R500. Sign up now: sawubona.everlytic.net/public/forms/h…

What are normal South Africans suppose to do swimming to the strait of hormuz and open it ourselves!

@Cerebos_SA We have been waiting

Nikhona??👀

Those people who were quick to write to Trump about farm murders need to be just as quick to write about the increase in petrol and diesel prices due to the unnecessary war with Iran. Real farmers will be struggling with this price increase.

I don’t understand the hate around Big Zulu’s music. I genuinely find it good and enjoyable. I listen to his songs when driving.

The price of diesel is up by R6.19, thanks to AfriForum and the DA’s best friend, Trump. Why isn’t AfriForum writing to Trump to ask him to stop the unnecessary war with Iran.

😭😭😭😭😭😭😭

In my first year of Law school at UWC we got Microsoft Excel classes. I thought this was the standard for all universities in South Africa.

Dear Corporate South Africa We really truly & honestly cannot afford to drive to your overpriced offices daily to sit on Teams all day on laptops we brought from home. Nothing else from my side. And I know you can see my screen. Sincerely, South Africans

Please assist us to trace Thuli 🙌🙏

The debate on illegal immigration in South Africa has been clouded by politics of denial where raising legitimate governance concerns is dismissed, rather than addressed. In this opinion piece, I unpack how the failure to confront illegal immigration honestly is placing unsustainable pressure on local government, distorting public discourse, and ultimately failing South Africans actionsa.org.za/illegal-immigr… Yes, immigration policy, things like border control, documentation, and deportation sits firmly with national government. Municipalities do not decide who enters the country or who stays.   But governance does not work in neat boxes and neither do the consequences when things go wrong.

picking the wrong residential complex can quickly turn into a nightmare 💔💔 weak security, constant noise, poor maintenance, levy increases⚠️ our BANKERX SAFEHOUSE engine helps fix this!! ✅ source deep intelligence & detect risks for any estate here: bankerx-safehouse.pages.dev

I don’t know what can be done about the poor driving of scholar transport drivers. This morning, an Avanza ran a red light and nearly hit one of the recycling guys. Mind you, it was a scholar transport Avanza with children inside. They don’t value the lives of those children!

To our loving neighbours, Batswana, you hosted an outstanding, world-class event today. On behalf of all South Africans, we warmly congratulate you on this success. This is what it means to invest in your own country and its infrastructure.

@DenzelAFC Paid by you?

@IvynSambo Paid post!!

The sad reality is that EFF people wanted Mazwi to be found dead, as that would show he was truly kidnapped. Their minds can’t process that someone can be kidnapped and found alive.

@PrincessSkhu 👍🏽 okay! Thanks

@IvynSambo You're such an opportunists Ivyn 🤣🤣🤣

@Ayandaloti I do what I want when I want!

@IvynSambo This is not a good look on you Ivyn😩 Are you still doing investment content or you've now pivoted to politics?

My mom is employed today at @JOSHCO as a Cleaner because Herman Mashaba fought for them to be insourced back when he was still the major of Johannesburg. I remember one time when she didn’t have R1 to add on for us to buy bread before she got employed. I’ll forever be grateful💚

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.

Please allow me to publicly convey Mazwi’s family gratitude to @pule_jones for connecting me with them, an intervention that eventually got majority of South Africans behind the release of Mazwi. The family also extends their deepest appreciation to all South Africans who treated Mazwi’s case as theirs. Mazwi was discharged from hospital early this morning, but still needs to recover from a month long trauma, and still needs space to be with his family and those close to him and trust. The family have put him in a place of safety and they will be advised by professional medical teams when ready to face the world again.