From the time we are born until the time we die, we constantly change. Change is part of life. Sometimes change is never what we expect, it often comes as a surprise. Change can sometimes be painful. Depending on the context, whatever form or shape a change introduces itself to us it can work out for good if accepted in a critical yet optimistic fashion.

I am saying that each change should be examined and the effects of it be understood and perhaps be manipulated for the benefit of the body or everyone. This is all governed by the nature and the context of a given change.

Capitec

I believe that Capitec brought change in the banking sector. In the reality where the poor were bullied by the major banks such as ABSA, Standard Bank, First National Bank and Nedbank with their ridiculous charges, Capitec came in with a system that allowed those who could not afford a bank account to have access to banking facility.

A few months ago I had inquired from Capitec if they have any Business Solutions. The response was quite disappointing but the consultant I spoke to, gave me hope that there is a plan even though at that stage they could say much. Yesterday I twitted Capitec and said to them “bring us Business Banking” and I was given a link that enlightened me. Capitec has been given the go-ahead to purchase 100% of Mercantile Bank. Now Capitec will be able to offer Business Banking and also offer to fund Businesses.

The promise Capitec is giving is that they will offer an affordable business solution. With the excellent service I had received so far from Capitec on my account, I am eager to see what they have to offer in the business sector.

Festive Season

We are approaching that crazy time of the year. People are getting their 13th cheques. Those who were putting their money into stokvels for the whole year are in line to get it back with interest. School teachers are looking forward to their long holidays as the schools will be closed for the year. Black Friday is next week, a lot of people are gearing to take of the specials that will be offered then.

In the midst of all this thieves, robbers, and scammers are getting ready to get busy. They will be pick-pocketing, snatching women’s handbags, confronting and robbing people by threatening them with knives and guns. The scammers will be using the silver tongue to manipulate people’s greed for money and dupe simpletons into handing out their hard-earned money with baseless hopes of getting more money.

While money will be stolen by all means possible, another breed of criminals will have their eyes on careless human beings. They will be stealing children, teenagers and the rich people, with the intention of either releasing them for a ransom or selling them offshore as slaves of all sorts.

What saddens me is the number of teenagers that will be drunk this festive season, especially those who are completing their high school life this year. they run the risk of being raped, kidnapped or even killed.

My advice to all people is to be alert at all times and to avoid places where they might get into trouble. Try walking in groups rather than alone. Always be safe.


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Gambling

Hundreds of thousands of people worldwide are addicted to gambling. They carry this burden with them each and every day. They take their hard earned money and gamble it away. Upon realizing what they have done, they venture into debt trying to make up for the money they have lost. While trying to make ammends, they manage to deceive themselves into thinking that they can win and so they take the money they have borrowed and gamble it away. And this is just a beginning of their miserable life.

Unless intervention is made many will either be killed by illegal loan sharks for failing to pay or they will end their own lives. This is a life one should avoid altogether, should they wish to have a promising life .

Pyramid Schemes

Another financial virus which in a way is illegal, is pyramid schemes. These things were formulated by clever people who wanted to get hold of people’s hard earn money. They offer great earnings or profits without any work involved. They turn their victims into perpetrators of the crime by ordering them to recruit other people with the promise of getting a los of money.

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This is a rant caused by the constant nicknaming of January as “Janworry” by people who are often broke during this time of the year as the result of their over-spending in December. Lungisa N Joctrey took it upon himself to give a piece of his mind on the issues.

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