ternz

I saw this recently. If you need to get any book on the internet, type the name of the book followed by “doctype:pdf” and you’ll get the book in pdf format For example, Purple Hibiscus doctype:pdf

Example of a cheap Japanese stock I found: - A boring plastic bag company - Trading at 3.4x earnings - 2.3x EV/EBITDA - Paying you a ~5% dividend - Spitting out a 27% FCF yield And it’s priced like it’s going bankrupt This is what real deep value looks like

Most Expensive Public/Government Schools in South Africa 2026: (Please advise if there's a school missing) 20. Northcliff High R60,500 (co-ed) 19. Menlopark Hoërskool R61,600 (co-ed) 18. Westerford High School R62,800 (co-ed) 17. Affies Seuns Hoërskool R63,500 16. Rustenburg Girls High R66,800 (girls) 15. Parktown Girls High R68,000 (girls) 14. Durban Boys High R68,200 13. Paul Roos Gim R69,300 12. SACS Boys High R71,000 11. Jeppe Boys High R71,200 10. Wynberg Boys High R71,300 9. Parktown Boys High R72,000 8. Northwood Boys High R73,000 7. Glenwood Boys High R74,200 6. Westville Boys High R74,300 5. Rondebosch Boys R78,800 4. Grey Boys High R78,900 3. King Edward School (KES) R79,500 2. Maritzburg College R82,100 1. Pretoria Boys High R82,300 Compiled by Penuel The Black Pen Source: School Websites Based on Grade 12 fees (Grade 8 tends to be more expensive) Excludes boarding & other side-fees There are a lot of elite schools in the R35,000 to R60,000 band, with great academics, sports & culture facilities. Girls' schools, Co-ed schools & Afrikaans schools tend to be cheaper, than English/Boys' schools. WHICH SCHOOLS ARE MISSING FROM THIS LIST???

Ditch 2 hours of Netflix today… watch this instead. I promise you won’t regret it.

The UK government is handing out free money to anyone willing to buy assets. We talk endlessly about the Stocks and Shares ISA. However, the SIPP, Self-Invested Personal Pension is a cheat code. Let us run the numbers for someone earning a salary of £35,000 a year. The take home pay is roughly £2,300 a month. Imagine you decide to divert £160 of that into a SIPP. The second that money lands, the taxman steps in. Because you are a basic rate taxpayer, HMRC is legally forced to refund the tax you already paid on those earnings. They drop an extra £40 straight into your pot. You only sacrificed £160 of your own wages. But you are actually investing £200 every single month. Over twenty five years, that is £12,000 of free money handed to you by the government. But that is just the seed money. You take that boosted £200 a month and use it to buy units of the S&P 500 $VUSA. You leave it alone for two and a half decades. Historically, pointing that exact amount of cash at the global markets turns into a retirement pot worth roughly £190,000. You only ever parted with £48,000 of your own money. The government top up and the stock market generated the £142,000 difference. But if you earn over £50,270 and fall into the higher rate tax bracket, the math becomes ridiculous. Let us look at a salary of £60,000. If you want £500 a month landing in your SIPP, it only costs you £300. Your pension provider automatically claims £100 from the government, and the taxman owes you another £100 straight back in your pocket. You are literally buying £500 worth of the S&P 500 $VUSA for exactly £300. Historically, pointing that amount of cash at the global markets turns into a retirement pot worth roughly £475,000. You only ever parted with £90,000 of your own actual money. The government top up and the stock market generated the massive £385,000 difference. Stop leaving your own wealth on the table. Claim your tax relief. Buy the index.

@JohannBiermann1 & knowing the retail giants they decrease after it stabilizes will never be the same as the massive increases so we will be stuck with a portion of the increase forever

Such a weird argument this. Diesel is going up 33%. Do you have any idea what kind of impact that will have on food prices locally? This is not just about your tiny tank.

@dantshawe @PalesaMbaliee #yolo

@PalesaMbaliee I deposited R40k into a lady's account. I told her to use for emergencies. She spent all in a week. Mind you, all other bills I take care of and she works. After that she had to ask.

Heh Rachel Kolisi is telling us EVERYTHING 😭✋🏾 What do you mean you are married to the Captain of the Springboks and you need permission to buy tampons???

@vheeorji22 This guy is the best I’ve come across. True artist youtu.be/z26zbiGJnd4?si…

@LindaniButhel16 @Newzroom405 But in all fairness if a judge is accused of prejudging than that is casting aspersions on his integrity. So the judge did the right thing . Stop it right there and then.

@Newzroom405 I’ve not seen Madlanga this mad!!

[WATCH] “I find it unprofessional for you to say that. To be rough, I can say you are lying,” Justice Mbuyiseli Madlanga responds to Suleiman Carrim's legal representative accusing the commission of prejudging their postponement application. #MadlangaCommission

@noself86 @auchenberg @grok interesting take here. Microsoft traditional business is selling seats aka licenses. Copilot Ai) could reduce that. Sounds like a revamp of business strategy needed as currently they are between a rock and hard place : make copilot too good & lose thousands of subscribers

@auchenberg the name is actually the least of it. copilot as a concept is structurally limited because microsoft sells seats. automation eliminates seats. they literally can't pursue the most transformative version of AI w/o cannibalizing their core business. the branding is just the tell.

Thought: Microsoft should kill the Copilot branding, and start over.

Instead of watching 2 hours Netflix, learn claude in 60 minutes for Free.

I spent weeks testing Claude prompts, workflows, and automation systems. The result? A practical guide that shows how to turn Claude into a real productivity and money engine. Introducing: Claude 4.6 — The Definitive Guide Inside: • Best prompts for real work • Claude Code explained • AI workflows that save hours • Monetization strategies • Skill-building frameworks And yes — I'm giving it away FREE for 24 hours. To receive it: 1️⃣ Like 2️⃣ Comment “4.6” 3️⃣ Follow me so I can DM you

@grok @satyanadella Time for Grok cowork for the ordinary folks

Hey, Copilot Cowork is currently enterprise-only. It's in research preview for a limited set of Microsoft 365 Copilot customers and will roll out more broadly via the Frontier program in late March 2026. No availability announced yet for personal Microsoft 365, Family, or standard Office 365 subscriptions—it's designed for work data with full enterprise security, governance, and auditing in M365 tenants. Check the Microsoft 365 blog for updates!

Announcing Copilot Cowork, a new way to complete tasks and get work done in M365. When you hand off a task to Cowork, it turns your request into a plan and executes it across your apps and files, grounded in your work data and operating within M365’s security and governance boundaries.

BREAKING: Claude can turn any skill you already have into a $4K a month income stream. Here are 8 prompts to go from zero to consistent cash working just 15 hours a week: Save this before it goes viral.

@grok @spectatorindex The numbers don’t lie. See you are making data drive decisions and not decisions on vibes or feelings

@ternzmc @spectatorindex JD Vance. Current polls (Emerson, Harvard-Harris, Echelon) show him leading the 2028 GOP field 37-53% to Rubio's 11-20%. Prediction markets peg Vance at ~42-50% odds. Donor cheers for Rubio are notable but voter data still favors the VP as frontrunner.

BREAKING: Trump asked 25 Republican donors whether they preferred he back JD Vance or Marco Rubio for the 2028 nomination, whereby 'attendees overwhelmingly indicated Secretary of State Marco Rubio through their cheering', according to NBC News report.

@grok @CrazyVibes_1 Good response. Definitely no run off the mill order so for extra effort one needs to recognize the effort.

@CrazyVibes_1 @grok would you have done the same as the poster

Excel Formulas You Should Know