Join me on the 14th of June for a Masterclass on Email Marketing – brought you by Heavy Chef

“The money is in the email list”

I’m sure you’ve heard this before. And it’s true. But you’ve got to know how to unlock that money… which is why I’m partnering up with Heavy Chef and presenting a half-day Masterclass on Email Marketing on the 14th of June 2018, here in Cape Town.

You’ll learn about:

  • Email marketing has the highest engagement of any marketing channel.
  • How to design a newsletter that sticks.
  • How to kickstart and clean your database.
  • How to optimise your emails for success.
  • What software package you should use.
  • And much more.

Tickets are R1480 per person. You can book online here.

Really looking forward to seeing you there!

Use Authy instead of Google’s authenticator – it’s safer if anything goes wrong!

TL;DRMake sure you have 2FA setup. Secondly, use Authy instead of Google Authenticator as it’s safer. Lastly, if you’re using Google Authenticator already, then switch to Authy.

When I bought my first bitcoins and altcoins, I immediately setup 2FA (2 Factor Authentication) to protect my Luno and other accounts that I use that have some form of value to me. Most of these sites say “we support Google Authenticator” and off I went to install the app and used that to add that additional layer of protection. Great! Well, not so fast…

Google Authenticator only supports a single device. If I lost my phone, and I never screenshotted/saved/backed-up the backup key that most of these services give you when setting up 2FA, I’d be royally screwed (sidenote, I had no idea where I saved these backup keys!). With Authy though, they support multiple devices as well as cloud backup (encrypted!). If I lost my phone, I could log in to Authy and I’d still have access to all my accounts wherever I’d setup 2FA.

But the app says they only support Google Authenticator – how can I use Authy then?

2FA is just a QR code or long string of characters. If the website or app says they support Google Authenticator, that means it also supports Authy!

If any website or service you use offers 2FA, set it up!

If you’ve setup 2FA with Google Authenticator and want to switch (like I did), it’s really easy. Login to the apps and sites, disable 2FA (using Google Authenticator) and then setup 2FA again using Authy. Took me 5-10 minutes to change over all my accounts and now I feel a lot safer knowing that my phone isn’t the only device that holds all the keys to my castle.

Need more convincing? Read Authy’s blogpost on their comparison to Google Authenticator.

Stop throwing away free money and get yourself a tax-free savings account!

We have all complained over the past few years about corruption, high taxes, e-tolls, the list goes on. Surprise surprise that our government have actually done some (good) work recently though by creating something every South African must take advantage of and that is…

The Tax-free savings account!

You might have heard of it on the radio and seen flyers and newsletters from your bank about it, but you haven’t really taken proper notice. Well I’m going to tell you that you NEED to get onto this today. Why? Because you are throwing away FREE MONEY!

Free money Jason? How is that even possible living in South Africa paying tax on every direction we turn here?

It’s pretty simple. The government knows South African’s don’t save enough. The problem is there is no incentive for us to save because the day we do withdraw that money from our investments, the tax-man puts his hand into our money bag to take his portion for Nkandla’s fire pool. They have realised that when everyone starts retiring and stops paying taxes, there will be a massive number of retired elderly folk that will want hand-outs from government and that is a big no-no as there won’t be any money to then top-up that fire pool.

That’s where your tax-free savings account comes in handy. It really is tax-free! No income tax, no capital gains tax, no dividend withholdings tax, no nothing tax!

If you stick to the following 2 rules of the tax-free savings account, you’ll have the pleasure of sticking a big middle-finger to government when withdrawing your hard-earned savings.

So what are the 2 rules?

Rule 1: You can only invest R30 000 a year into your tax-free savings account
Rule 2: Your overall life-time investment into the tax-free savings account is R500 000.

What happens if I break one of these rules?

Mr. tax-man will take a 41% cut of anything you invest over those amounts. Eina! (The tax-free savings accounts will make sure you don’t break these rules, so there isn’t anything to worry about really.)

Here is an example of what you could save using a tax-free savings account.

James invests R2500 a month for 16 years and 8 months. (That’s R30k a year and R500 000 in lifetime savings). If his investment earned 25% per annum for those 16 years, and he cashes in during year 17, he would receive a fat cheque for R5 736 108! He also saves R828 765 in tax that normally would have gone to Nkandla’s fire pool, but not with a tax-free savings account.
Over R800k in free money people!

  • James saved R500k of his hard-earned cash
  • James would receive R5 736 108 (assuming 25% growth p.a.) after 17 years
  • James would NOT be paying a tax bill of R828 765 (That would have been more than his initial investment!)

Ok, you have my attention and I want in! Where do I sign up?

All the banks and “authorised financial services providers” have tax-free savings account options. Another thing that is really great about these tax-free savings accounts is you can also invest in ETFs (Exchange Traded Funds – think Satrix, Top 40 JSE listed companies etc. has a great breakdown of all the ETFs you can invest in with a tax-free savings account) which, over the long-term, will outperform any of the bank’s “savings” accounts.

My suggestion is do a little research and stay away from the big banks. No one has ever become rich by saving their money in a bank.

Personally, I’ve opened an account with Emperor Asset Management but take a look at SatrixStanlib, Momentum or Sygnia for alternative options to the money grabbing banks.

Another tip is if you have less than R30k currently invested in an ETF that is covered by the tax-free savings plan, cancel that investment and get that money back into the fund using the tax-free savings account. I opened an account with Satrix for my 1 year old daughter and have just recently cancelled it to move the money into a tax-free savings account and back into the very same ETF. She can thank me later. :)

Opening a tax-free savings account is a no-brainer for your kids as well as anyone looking to save over the long-term – 10+ years.

“The best time to plant a tree was 20 years ago. The second best time is now.” – Chinese Proverb

Disclaimer: I’m not a financial advisor, so please get advice from someone that is, before investing your hard-earned money.

Do the most important and most urgent. The rest can wait.

You know what is ok? It’s ok to not to be successful by the time you turn 30. It’s ok not to own the house you live in, not have any kids and not be married by 30. (Although I strongly suggest you get moving on the kids thing, but that’s for another article.) It’s ok to only start figuring out how to actually run your own business after turning 30. It’s ok to aim to be truly successful by the time you’re 40, heck, 50 even. These are the things that I’ve come to realise only after turning 30.

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