S’miso

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S’miso

S’miso

@simisokn32

- views are my own.🇿🇦

Johannesburg Katılım Eylül 2011
643 Takip Edilen633 Takipçiler
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S’miso
S’miso@simisokn32·
I can’t wait to be handling the braai whilst the wifey whipping up the salads, and at the same time I’m leading my son 8-0 in a game of 1v1 ⚽️ in yard.🕯🥺
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David de Gea
David de Gea@D_DeGea·
👹🔱
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Manchester United
MAN. OF. THE. MOMENT.
Manchester United tweet media
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Dlayisa
Dlayisa@madlokovubiz1·
Mina I have traveled in these countries, Mozambique, Malawi, Madagascar, Zambia, Burkina Faso! Everytime I step outside the hotel, it was a requirement that I must have my documents and valid passport! They are very strict in their countries!!
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ツ Lord Ori
ツ Lord Ori@Lord_Ori_·
Menzi Ngubane 🕊️ and Nimrod Nkosi were cooking here 😭🔥 #GetNimrodAJob
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Petite Ebony Girl 🇵🇸
Petite Ebony Girl 🇵🇸@PetiteEbonyGirl·
The aim of this bill is to reduce the pay disparity that exists between white and black workers. The DA is trying to stop this bill from being passed, just as they opposed the increase of the minimum wage. The DA is an enemy of the black working class. Vote responsibly.
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EuroFoot
EuroFoot@eurofootcom·
🥹🇵🇱 This is incredible. 40-year-old Lukas Podolski just won the Polish Cup with Górnik Zabrze. He previously said it was his DREAM to end his footballing career playing for them. Incredible moment. 🏆❤️
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Justice, Crime Prevention and Security
#RT [INTENSIVE SEARCH FOR A KIDNAPPED 2 YEAR-OLD GIRL] Police in Tinmyne have opened cases of housebreaking at residential and kidnapping following the disappearance of a 2 year-old girl from her home in Ga-Mabuela village in the early hours of Saturday 02 May 2026. It is alleged that at about 02:00, the victim’s 52 year-old grandmother woke up to visit a bathroom and took her granddaughter, Omphile Sethole with her before returning to bed. When the grandmother woke again at around 06:00, the child was missing, and a window of the room was open. Family members and neighbors conducted an immediate search of the area but could not locate the child. The matter was reported to the local police who have since launched a massive search operation for the missing toddler and the unknown suspect. At the time of her disappearance, Omphile Sethole was wearing a pink jersey and black tights. Anyone with information on the whereabouts of Omphile Sethole or the suspect is urgently requested to contact the Investigating Officer Sergeant Moshe Mashaba on 082 319 9448 or crime stop number 08600 10111 or nearest police station or MySAPS App. Police investigations are continuing.
Justice, Crime Prevention and Security tweet media
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Michael Morton
Michael Morton@MMORTON6·
Darren “Popeye” Keet announces his retirement from professional football after winning the Nedbank Cup. 🏆 What a way to go!
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🎀Strawberry Cheesecake🎀
Mazwi has been missing since 02 April… and somehow the country moved on like nothing happened. 💔 Imagine if this was your brother, your child, your friend. We would not sleep. We would not be quiet. Let’s make noise until he is found. Mazwi is NOT forgotten. #FindMazwi #BringMazwiBack
🎀Strawberry Cheesecake🎀 tweet media
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T S O N G A K I N G 🤴🏾
T S O N G A K I N G 🤴🏾@MbazimaThomason·
Help us find Amanda Mofokeng (28) was last seen on 27 April 2026 in Malvern, JHB. She was reportedly catching an e-hailing taxi on her way to work but, sadly, never reached her destination. any info that could help locate her, please contact 08600 10111 immediately.
T S O N G A K I N G 🤴🏾 tweet media
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David (TalkingCents)
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.
David (TalkingCents) tweet media
News24 🇿🇦@News24

SPONSORED: FNB launches South Africa's first interest-only home loan for under-35s, allowing graduates and young professionals two years of reduced repayments with loans up to 110% of property value. news24.com/brandstory/par…

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Blessing in Xhosa
Blessing in Xhosa@sirbrokenfaucet·
@Okay_Wasabi Hood PS2 rotation. Need for speed, Whatever WWE and most importantly Fifa.
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Geist
Geist@TysonCreme·
@Okay_Wasabi niggas died by FIFA, Tekken, GTA & WWE
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