#Momentum is paying more by not paying the widow of the deceased client. The company is bleeding goodwill and having its reputation severely damaged. It’s appearing as a company that lacks ethics and moral judgment.
— Makhosini Nkosi (@Makhosini) November 19, 2018
South Africa: the country in which it is advisable to be shot to death with brushed teeth, wearing a good suit, and with normal blood sugar levels in order to get paid out by insurance. #Momentum
— IG: richpoplak (@Poplak) November 19, 2018
— Ntokozo Tshabalala (@NtokozoTsh) November 19, 2018
Lessons from #Momentum, assume that all insurers operate like Momentum and do an audit of whether you are fully covered.
— Andile Mlondo (@AndileMlondo) November 19, 2018
*Arriving at #Momentum HQ for forensic investigator job interview*
Me: No it isn’t.
Interviewer: You’re hired!
— Jack Devnarain (@JackD157) November 19, 2018
For those who don’t know, #Momentum is refusing to pay out life cover ya some guy who got killed by a hail of bullets just because he never disclosed his high sugar levels.. 😩
— Mr Moloi to you! (@chatlas) November 19, 2018
With Summer around the corner, everyone is trying to decide what their drink of choice will be especially during the festive season. Don’t stress yourself out though, Twitter already shared the drinks we need to avoid…
— Brian Fitzsimmons (@brian_bonafitz) November 19, 2018
— Tomas Heart (@catheternebula) November 19, 2018
— The Beard is the Word (@TheBeard83) November 19, 2018
— Derrold Purifoy (@derrold) November 19, 2018
— The Beard is the Word (@TheBeard83) November 19, 2018
— Peter B (Bikini) Eberhardt (@whomeverett) November 19, 2018
Jack Devil 🖤 pic.twitter.com/z87zXPE24w
— Jus O Bells 💋🇨🇦 (@fivefortweeting) November 19, 2018
One of the happiest moments of my life no doubt. God is working his magic again 🙏🏽 pic.twitter.com/w4d74YtS8x
— IVYSON TOUR (@Nasty_CSA) November 16, 2018
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♥️ Happy 6th Anniversary to my highschool sweetheart 🥰😍 I remember being told that I was too young to know what love is. I remember being 15 and telling my mom that I love you and getting my ass whooped for it 😂 it was all so worth it babe 🥰😍 I’m so blessed to have you ♥️😘 And I love you from the tip of your toes to the top of your head, Happy anniversary my baby ♥️♥️♥️♥️♥️♥️
Before we get into the real stuff here’s all you need to know about Augmented Reality (AR).
Simply put, it sounds more futuristic than it appears. With augmented reality, your phone superimposes computerised images over a real image on your phone camera. Point your iPhone at your dining table and voila, an animated dinosaur appears. Or at the wall in your bedroom and bam! A black hole.
It’s easy to confuse augmented reality (AR) and virtual reality (VR) – AR is essentially an enhanced version of reality, whereas VR is a simulated environment completely different from your own. As both technologies progress, the aim is to make it easier to mix both of them, to move even further away from reality.
AR games haven’t progressed as rapidly as VR tech has in the last few years – technology like Oculus Rift and the HTC Vive cost a lot more to buy and the technological leap is clear – but there’s still a lot of fun to be had perusing the app store and testing out different games.
Luckily for you, that’s exactly what we’ve done. Here are some of the favourites.
You’ll no doubt have heard about Pokemon GO, the AR game from developer Niantic that took the entire world by storm a few years ago.
After blowing up into a literal modern phenomenon, Pokemon GO had hordes of people – kids, teens, adults and elderly – all seeking out cute and cuddly critters from the long running Japanese franchise. And they did it all in the real world using augmented reality.
The game itself is super simple to understand. It uses the GPS on your phone to track your location and also includes easy tutorials to get you started. Not that you’ll need to rely on them – the game has a big enough fan base that tips and tricks are easy to come by.
Other than that, it’s up to you to find and fight new Pokemon to catch for your ever growing collection – seeking out the rarest among them in unique locations.
Amon is one of our favourites on this list. It’s a neat puzzle game that takes full advantage of the AR camera perspectives to create optical tricks that you have to solve.
After summoning broken pieces of statue from your environment, you then have to begin to piece them together to create complete sculptures by working out how they align.
It starts simple enough, just to get you into the swing of using the AR perspective on your phone, but it quite quickly ratchets up the difficulty.
There’s no time limit or need to play with other people – this is a calm, solo experience, but it’s one of the neatest uses of AR to date.
Perhaps the most technologically advanced augmented reality game on the marker, The Machines is an iOS exclusive that takes the fidelity and clarity of the AR experience beyond pretty much anything else out there.
It’s extremely pretty to look at, with highly detailed maps and realistic textures and surfaces. It’s not the cheapest game at £4.99, and it takes up over a whopping 800MB of space on your phone – but it’s clear why, as it packs some gorgeous landscapes.
Playable both solo and in multiplayer, it’s a real-time strategy game that has you defending your base on one side of the map, while simultaneously trying to destroy your enemy’s base on the opposite side.
Its simple objectives are made engrossing thanks to some slick controls, immersive graphics, great battles, and decent unlockables – all of which successfully convey the frantic nature of the mechanised conflict on screen.
My Tamagotchi Forever
A little like Pokemon GO, the colourful My Tamagotchi Forever sees an older fad take a new form of life within a free to play video game.
It’s lovely to look at, with vividly stylised graphics that are simple but really crisp. And it’s very easy to understand – you just need to continue caring for your cute and cuddly creature by feeding, washing, potty training and putting it to bed at the right times. Your fundamental goal is to keep your pet alive, and happy.
This game isn’t designed for complexity. That said, there’s a good level of depth here, incorporating throwaway arcade games and lots of opportunities to earn in-game cash to help fund your Tamagotchi ownership.
Another good thing about My Tamagotchi Forever is that its AR features aren’t vital to play the entire game – so you’re not expected to be waving your phone around in the air constantly, as with some other games.
According to experts all debt should be cleared by the age of 45? Sounds difficult? A financial advisor provides tips on how to get rid of debt.
Liberty financial adviser Phillip Kassel says heavily indebted income earners need to be debt-free by the time they retire.
Kassel says, “Most employees earn approximately 480 pay cheques in their working lifetime between the ages of 25 to 65. The average person can expect to live until at least 85. This means they need to use these limited pay cheques to fund a retirement income of at least 240 months.
At this rate it is hard enough to meet basic day-to-day expenses in retirement without being saddled with debt repayments – so any successful retirement savings strategy must include a debt repayment plan.”
Ideally, all debt should be cleared by age 45. This allows enough time to boost your retirement fund contributions instead of paying interest over to the bank. In the worst-case scenario, the aim should be to have no debt by the age of 60. This means that, from at least the age of 45, debt repayments should be a top priority.
Kassel says you need to bear the following in mind if you are aiming for a comfortable retirement:
1. A home loan shouldn’t be an ATM
By the age of 45, there are only 15 years left to achieve the goal of being debt-free. Individuals buying a home at the age of 45 should ensure that the loan term does not exceed 15 years. Investors with an existing bond should not be drawing down capital from an access bond, unless there is a plan in place to settle this debt in a shorter time. This is particularly important for those people looking to use this capital to pay for home renovations or children’s education.
2. Eliminate short-term debt
Short-term debt could derail retirement planning, so paying these off is highly important. Draw up a list of all the short-term debts and calculate the date the last debt will be paid off. Those who find that their debts will not be paid in time for retirement, should make significant lifestyle changes now in order to accelerate debt repayments. Debt consolidation might be a solution as it reduces multiple payments to one payment over a shorter period of time. It is absolutely essential that no further debts are taken during this time.
3. Be realistic about university fees
During this time, bread winners will be sending their children to university. If there are no savings and investments set aside for tertiary education, don’t be tempted to make additional debt. Be realistic about affordability because children should not have to carry the burden of financially supporting their parents during retirement.
Kassel says, “Children could apply for bursaries, apply for student loans or turn to family for financial assistance. Of course, the main bread winner could assist in paying off the interest on these loans, but the child should take full responsibility for the student debt when they start working.”
4. Don’t cash in pension savings to pay off debt
It may be tempting to cash in investments that are growing at 10 to 12% per year to pay off debt with higher interest rates. However, this will result in the individuals missing out on the power of compound growth on the retirement investments.
Kassel explains, “You may be tempted to cash in R100 000 of your investments to repay short-term debt. If you rather focused on paying off the debt by budgeting and cutting back on your lifestyle, you could probably pay off the debts within five years with a payment of R2 900 per month, or by using your bonuses and tax rebates to pay it off even faster.”
“Over five years at an interest rate of 25%, you would spend R174 000 to settle the R100 000 of debt. It takes discipline to start saving R2 900 a month once those debts were paid off. In the meantime, if the R100 000 is growing at 10% a year, it doubles in value every seven years. So, after seven years it is worth R200 000, after 14 years it is worth R400 000 and after 21 years, it is worth R800 000.
“The same applies to home loans. While cashing in your retirement fund to be mortgage-free means you don’t have a mortgage repayment, you still need retirement funds to pay for your day-to-day expenses. Don’t pay off debt with your nest egg – make the necessary lifestyle changes instead.”
After all, if you decide to take the leap and move into a new home together, it’s hard to go back to simply being partners if it doesn’t work.
According to dating coach and relationship expert James Preece, you’re ready to move in together “when you both agree the time is right and you not because you feel you ‘should.’ You both need to really want to do it and for the right reasons.”
So don’t move in with your boyfriend or girlfriend just because your respective tenancy agreements finish at the same time – you shouldn’t decide to live together out of convenience.
And before you do make the move, Preece says there are some important things to consider to avoid trouble later. “Firstly, do talk about budgets and who will be paying for what. Money can be something that breaks up relationships if you aren’t clear from the start,” he tells The Independent.
“Secondly, moving in will bring you closer but it can also make existing problems even bigger. If you are having difficulties with something, it’s better to resolve them before you move in and then spend each day and night together with no escape. If you are ready for what lies ahead, moving in together can work well.”
According to relationship expert Madeleine Mason, there’s no set amount of time you should be together before moving in – but there are certain boxes you should have ticked. When these happen is up to you, as all relationships move at different paces.
Mason says there are four key steps to achieve or discuss first:
- You must be dating exclusively (or at least both be clear on the nature of their relationship) and have met each other’s family and friends.
- You must have talked about the future – what you want to achieve, what kind of life you want, whether you want to get married and have children or not.
- You must have talked about finances. “Each should know what their financial situations are and what it might look like in the future,” Mason told The Independent, adding that you should discuss whether you plan to buy a home together further down the line.
- You must both agree and want to move in together without coercion, the use of ‘guilt trips’ or because it makes financial sense – “Find a roommate instead if needs be,” Mason advises.
So if you both really want to move in together and you’ve got finances sorted, go forth and make your boyfriend or girlfriend your housemate.