The average age of first-time bond applicants is between 34 - 37 and the average a home loan grant amount ratio was 90%.The Comcorp Mortgage Software data for May 2022 shows that 71.3% of property buyers were first-timers.

Meet Thapelo Nkgabe, a former colleague of mine while working at a large bookstore franchise in South Africa, during our undergraduate years at university. A first time home buyer at nearly a decade before the average age of a home buyer.

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Intro and outro supplied by long time friend Colin aka the Local Ghost Check out The Local Ghost on #SoundCloud https://soundcloud.com/the-local-ghost

Umoja continues the talk on personal finance from the previous episode. Joined by guest and friend Caroline who is a charted accountant as well as Osvaldo , a banking professional and entrepreneur . The conversation goes into topics of income streams out there and the different investment approaches people have as well as the various banks available to get into the habit of saving which will later be discussed in part two of episode 4.

Intro and outro supplied by long time friend Colin aka the Local Ghost Check out The Local Ghost on #SoundCloud
https://soundcloud.com/the-local-ghost

Other links include

Website - https://www.umojabingwa.co.za/

Facebook - https://www.facebook.com/umojabingwa/

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Umoja introduces the concept of personal finance and its importance in the conversation of being able to champion that aspect of our lives. Joined by guest and friend Caroline who is a charted accountant. Caroline shares her experiences with personal finance as a daughter , student and career driven woman. The conversation touches on the many themes of personal finance within developing nations which will be later discussed in more episodes to come.

New intro and outro supplied by long time friend Colin aka the Local Ghost Check out The Local Ghost on #SoundCloud
https://soundcloud.com/the-local-ghost

Other links include

Website - https://www.umojabingwa.co.za/

Facebook - https://www.facebook.com/umojabingwa/

Instagram - https://www.instagram.com/umojabingwa/

Twitter - https://twitter.com/umojabingwa

Spreaker https://www.spreaker.com/show/umoja-t...

YouTube - https://www.youtube.com/channel/UCeip...

Live at Waterfall Toastmasters Breakfast Club.
Completing a level 4 project at Reddam house while engaging the audience.

All the way up to the self actualizing peak of Maslows hierarchy of needs.

Intro and outro supplied by the Local Ghost Check out The Local Ghost on #SoundCloud
https://soundcloud.com/the-local-ghost

Alpha Jay link Listen to 02 Victim of the City by Alpha Jay on #SoundCloud
https://soundcloud.com/j-j-mtuse/02-victim-of-the-city

Website - https://www.umojabingwa.co.za/

Facebook - https://www.facebook.com/umojabingwa/

Instagram - https://www.instagram.com/umojabingwa/

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Spreaker https://www.spreaker.com/show/umoja-talks

YouTube - https://www.youtube.com/channel/UCeipHwm_WnF1Y78RXj49pZQ

We are discussing Africanism referencing the linked article African of the year
https://www.umojabingwa.co.za/african-of-the-year/
Joined with Josephine Katumba [email protected]

Introduction song
Produced by Fela Kuti
Title - Lady
Album - Shakara
Release date - Lagos Nigeria 1972
Label: EMI

Produced By Fela Kuti
Title - Beast of no Nation
LP - Beast of no Nation
Release Date 1989