It’s no secret that banks charge their customers a fee for almost every service available. There is enough debate and confusion on the issue of bank charges to warrant a comparison of South Africa’s 5 major banks (Absa, First National Bank, Nedbank, Standard Bank and Capitec) as well as the various fees that customers of these banks incur on a regular basis.
For the infographic created below, Moneysmart compared standard savings accounts from the 5 banks above. While traditional savings accounts might not offer the best rates of return in terms of interest earned, they are often the first port of call in one’s financial journey.
The fees and interest rates comparison analyses what the respective outcome would be for each of these accounts if one deposited R1 000 each month over a period of 12 months. Monthly admin fees, in-branch cash deposit fees and interest rates have all been taken into account.
Moneysmart founder and CEO Tobie van Zyl has the following to say, “Financial education is non existent, Moneysmart’s core mission is to simplify complexities in finance so that people can understand the subject better and feel empowered, optimistic and enthusiastic about learning and engaging with their finances and institutions in a fresh and informed way. We put our skill’s and knowledge to work and gather as much data and do as much research and enquiries on financial products and planning methods to add value to peoples’ lives.
Cerebra, founded in 2006, is a full service award winning communications agency that helps customers build successful communications campaigns across traditional, social and digital media.
Here, we take a look inside its offices based in Fourways, Johannesburg designed by South African designer, Ivan Kirstein.
It’s clear from the images below that the space was designed to create a relaxed, inspirational and unique working environment. Interesting furniture pieces, open-plan layout (with a large glass walled boardroom in the centre) and what looks to be a great view certainly lends itself to a place you want to get up and go to every day.
We love the mix of colourful earphones hanging above each desk!
View the Cerebra office pics in the gallery below:
South Africa’s largest social networking platform Mxit, has recently launched its Developer Kickstart Programme, the company wrote in a blog post.
The programme aims to help Mxit developers get their new apps discovered by the million of Mxit’s users. This means, that Mxit will give some of the best independent developers a chance to get their apps promoted.
Here are the rules of the programme:
1. The programme is available to only newly published apps on Mxit, more specifically those published in the last 8 weeks.
2. Early-stage/independent developers only. Big companies will not be accepted. Mxit aims to subsidize developers who are just starting out and do not have the funds to buy ads in bulk.
3. As it’s only an experiment, Mxit may discontinue or change the programme at any time.
This programme seems to be the latest attempt by Mxit to assist new developers in accessing the platform. In March, Mxit launched a new set of developer APIs and a redesigned Developer Centre.
Motribe launched its JudgeME app on Mxit in early April, a mobile meeting app that provides people with a way to meet each other by uploading and browsing photos. Motribe is a platform that enables users, brands, agencies and publishers to build and manage their own mobile social communities.
For more information and to apply, click here.
Every year around this time the tech press starts to dig up supposed leaked images of the next generation iPhone, and needless to say, the news spreads like wildfire. 9to5Mac somehow got hold of next gen iPhone images, as well as parts for the upcoming model.
The most recent release of the iPhone, the 4S, did not have a lot of changes from the previous iPhone 4, and it is quite difficult to spot the changes. People were unnecessarily displeased with Apple about the more evolutionary approach, so the next iPhone will hopefully have more drastic changes.
Looking at the leaked images, a few changes are quite apparent: (more…)
The Wall Street Journal has reported that Apple Inc. CEO Tim Cook has said during an interview that the company is preparing to release some “incredible” new products in the future.
The opening interview with Cook, who took over from former CEO Steve Jobs in August, took place at the D: All Things Digital Conference in California on Tuesday. Cook, a first time attendee at the annual event revealed that ”The juices are flowing” and “We have some incredible things coming out.”
However, along with this revelation, Cook stressed that Apple will be “doubling down” on product secrecy when asked about any plans to develop a smaller iPhone or Apple television.
When pressed further about any possible developments of an Apple TV or a new type of television content service, Cook chose to rather highlight the success and growth in sales of the currently available Apple TV box, that costs $99, calling it an “area of intense interest for us”. This, as in the past, still doesn’t clarify any details about the release of a full sized flat panel Apple TV, the rumours of which continue to be covered by the media.
Although emphasizing “product secrecy”, Cook did reveal one of the ways in which he is going to lead differently to his predecessor whose legacy included a culture that prized secrecy in Apple Inc. on all fronts. Cook said that Apple will be more transparent about issues of social change including those pertaining to labour rights in China, about which Apple has recently come under scrutiny and also look to developing more product components in the U.S.
“Convergence” is one of those buzzwords we have all heard numerous times over the past 15 years, but it is now a reality in many segments of the technology market. The lines between once-disparate services such as voice and data have blurred, while the boundaries between traditional IT and telecommunications are disappearing.
Now, telecommunications users increasingly expect seamless access to a range of data and applications using any number of devices – notebooks, tablets, desktops, smartphones – using whatever access technology is most accessible and affordable – be it Wi-Fi-, 3G, or ADSL – at a specific place or time. But the convergence revolution is just beginning.
Here are a few converged applications and technologies we can expect to become important in the next year or two:
3G to Wi-Fi offloading
The move towards fixed-mobile convergence (FMC) - which is about having access to a set of consistent services through fixed or mobile access to fixed or mobile, public or private networks – is well underway. Wi-Fi offloading will be one of its next manifestations.
We can expect to see hand-off of 3G traffic to Wi-Fi campus area networks becoming a reality in South Africa as users look for ways to save money on their data bills and operators look to optimise traffic on their cellular networks. With congestion on 3G networks in urban centres growing as data prices fall, many users are having a poor user experience with cellular connectivity.
The Samsung Galaxy S3 has officially launched in 28 countries today across Europe and the Middle East. Although some retailers are saying that they will not necessarily have stock of the phone available immediately, Samsung claims that it has in fact launched the device.
Samsung has also claimed that the much anticipated Android device and follow up to the successful Galaxy S2 will be offered in a total of 245 countries by 296 carriers by July. Samsung is rolling the phone out internationally at a rapid rate – something that Apple could learn from.
There does seem to be some issues with the blue versions, so the initial batch will all be the white ones. Reports also suggest that Samsung has already hit 9 million pre-orders for the new king of Android phones – to put that in context, the Galaxy S2 reached 20 million sales after 10 months.
If you were hiding behind a rock, the Galaxy S3 is the latest smartphone from Samsung, and the specs look incredible. Expect a 4.8 inch 1280×720 display, 8 megapixel camera, 32GB storage and a massive quad core 1.4GHz “Exynos” processor. The phone also ships with some great new features like eye-tracking (which prevents the screen from switching off while looking at it), and S-Voice, Samsung’s answer to Apple’s Siri personal assistant software.
The phone will be plastered by Samsung’s skin over Ice Cream Sandwich however. If you prefer a clean Ice Cream Sandwich experience, we still recommend the Galaxy Nexus (see our review here).
Expect the Galaxy S3 to land in SA in July 2012. We will be at the launch.
There is only 1 week to go and only 20 seats left for the 2012 IMC Conference in Cape Town so book today!
In just 7 short days, the country’s top media and marketing minds will be making a big impact at this year’s third annual INTEGRATED MARKETING COMMUNICATION CONFERENCE in Cape Town.
Our eight hand-picked keynote speakers will take to the stage to present their integrated topics and delegates can look forward to gaining new marketing tools and ideas to make their next campaign an award-winning one. Delegates will also have the opportunity to tailor-make their conference experience with a wide variety of interactive workshops hosted by the industry’s top professionals.
The 2012 IMC Conference keynote presentations are as follows: