 Good evening, and welcome to the Tuesday edition of the Private Property Podcast. I'm your host, Uzama Ndomo Kumalo. It's episode 171 of the Private Property Podcast, and we're quite excited. It is December. We're feeling very festive, probably tuning into us across our social media platforms, whether it's Twitter, Facebook, Instagram, or what is it, YouTube. Welcome. And if you're a first-time viewer, where have you been? We've certainly been around for 170 episodes already. So you certainly have quite a lot of catching up to do on some of the great content that we have brought on your screens. And talk about the great content on your screens. We also have other shows here on Private Property across our social media platforms. And that's, of course, the first-time home buyers show that you can watch every single Wednesday at 7.45 with S.T. Klassen, where she takes you through some of the things that you can anticipate when you buy your first home and also speaks to various people who share the experiences of buying that first home. We'll help you navigate that first purchase. We know how anxiety-inducing it can be. And we want to make sure that you have a smooth journey as much as possible. And we also have the farming podcast that played earlier on this afternoon. And it comes to your screens every Tuesdays and Thursdays at 1 o'clock, that is with Umba Lemogo. And that's such a great show if you've got great green fingers or exploring going into agriculture. And a lot of us have certainly become home farmers with growing our own herb garden and spinach and tomatoes, especially during this lockdown. Well, if you want to explore that a bit more, perhaps go at a slightly more commercial level than you certainly want to make sure that you tune into the farming podcast. And we never leave you alone over the weekend, because we also bring you the developer's show with Chad, where we profile some of the best estates that the country has on offer. And one of the shows that we're certainly very excited about is a special web series that comes to your screen every day this week, except tomorrow, because it's a public holiday. And that is building stronger homes with PPC. And that's going to be coming up shortly at 8 p.m. So that's something that you can look forward to. If you watched yesterday's episode, do let me know how that was. How did you find it? I really enjoyed having a conversation with the various experts talking cement. I love cement. I kind of have a big nerdy moment every time I think about cement and what it does and even the process of making cement. So that's certainly a show that you can look forward to the special web series that we're running here on private property. So to make sure that you tune in at 8 p.m., it promises to be very exciting. And on all things exciting, because it is a festive season and we are in a very giving mood. We are of course running a competition on our social media platforms where you stand a chance of walking away with up to 100,000 rands in cash prizes. And that 100,000 rand is split across different competitions, different awards on our social media platforms. And the very big one, where you have to be watching the private property podcast every day is of course questions for the champions. And on questions for the champions, what you essentially have to do is get four friends or family members, make sure that you form a team, give your team a name, and then you have to watch the private property podcast. It's actually that simple. What we're going to be doing at the end of the show is we're going to ask questions based on yesterday's episode. So every single time we'll ask questions based on the previous day's episodes. And the team that answers the questions correctly first stands a chance of walking away with 1,500 rand. The big thing, all team members have to be present and watching the private property podcast. All of you have to raise your hand saying, listen, we're here. We're members of hashtag team parrots or whatever you team essentially is. So you all have to be watching us. And we announce the winners the following day. And this is to make sure that we just verify that all team members were in fact watching the show live. All of you did in fact make yourselves, you know, be seen that you're watching. And then of course that you answered in time. So do check out the competition details down here below. We're very excited. There's quite a lot of money to give away. And later on in December, because we want to end the year off on a bank, you're also going to stand a chance of walking away with 15,000 rand. That is for the winning team. We will ask 10 questions and the winning team will walk away with 15,000 rand. And the second runner up or the first runner ups are going to walk away with 10,000 rand. So you want to make sure that you get your friends and family to be tuning in to the private property podcast so you can participate. Listen attentively. We love talking property. So all you have to do is just listen attentively. And I promise you the questions are not going to be that hard. I mean, it's December. I know we've had a rough year. So the team and I are making sure that the questions aren't too, you know, too difficult. And talking about things being difficult, this is something that we're exploring this evening. I know it's something that so many of us sometimes struggle with. And this is, you know, everything you need to know about community schemes. I know that we talk about community schemes so much here on the private property podcast. And that's because so many of us are slowly moving in terms of living in community schemes, whether you're renting in one or you're certainly buying in one. And with so many of us just not being familiar with how community schemes work, there's so much work that needs to be done and as just better understanding what it means to live in a community schemes, what we can and cannot do. And just almost readjusting to life in a community scheme. You know, I always joke about how it took me so long to adjust to living, you know, in an apartment with basically strangers. And it's so quite a shock to my system. And I think it probably took me over two years to just get familiar with I can park my car and then pass somebody I don't know, but we live in the same yard. So those are some of the things that we're going to be exploring this evening. And I'm joined by Lee Ann Harrison, who is the portfolio manager at PEM Gold in Property Management Services. Lee Ann, good evening and thank you so much for joining us. Hi Zama, thanks so much for having me. Happy to be here. It's only a pleasure Lee Ann. You know, community schemes are so contentious. There's always so much conflict and sometimes it can just be such a headache. And even as we're seeing it, I think it's also just takes a bit of a mind shift because so many of us are just not used to it. When you grow up, let's say whether you grew up in a township or in a suburb with your parents or, you know, in a rural area, we didn't have community schemes. Everybody kind of lived in their own house, but now I have to adjust to this new way of living amongst each other. Perhaps tell us one of the most important things we need to bear in mind when it comes to living in a community scheme. Before we even look at when you are buying what you should and shouldn't do, just living on a community scheme. What's the one important thing that we should always bear in mind? Thanks Zama. So I think you touched on it briefly. When moving or buying into a community scheme, you must remember it's not a free standing home. A community scheme essentially is a scheme in terms of where there's a shared use of and responsibility for parts of land and buildings. You are governed by conduct and management rules, or in the case of a home owners association by a constitution. Also, you could be governed by you're part of a master property association or a property owners association. So it's always good to remember that this is not a normal suburb where you've got this one house next to the other and you can do as you please. You have to always consider that there are rules to follow and before doing anything, check those rules first. I think that's one of the most important things you want us to consider or think about. So I think one of the big things that I certainly want us to get across this evening is to help people who are either potentially going to be buying into a community scheme in the new year or viewers who perhaps are going to be rankling in a community scheme in the new year. But let's start perhaps with the buyers. You know, a lot of people want to take advantage of the historically low interest rates and buying a community scheme because of the many advantages that one essentially is able to get from living in one. In the event where you're in the market and you're viewing a property that's in a community scheme, what are some of the important things that you almost need to be aware of and ask your estate agent about? So yes, when buying into a community scheme there are many considerations that you must look at. Speak to your agent, your transferring attorney, the seller, whoever you can before you sign any offer to purchase. Look at, you know, you can send a list to your agent of what you require. The rules if it's a body corporate, the constitution if it's a homeowners association and I've sort of gone through a few items, I've made a list of a few items that you should take into consideration. The biggest ones that are always contentious, pets and short-term letting. So obviously in a freestanding home you can have as many pets as you want, cats, dogs, birds, whatever you please. But a lot of times the rules state that they may not be permitted or if they are there's a height restriction or there's a restriction how many pets you can have in a body corporate stuff like the one that I stay in, pets aren't permitted. So we actually have dogs next to us in the complex and I always wonder how it happened that they got them. But most likely what happened was as someone moved in, they didn't know but they can't just get rid of the dogs. It's always an issue. Same with short-term letting. A few years back this became a massive issue and it still today is an issue. Certain body corporates or HOAs don't allow it whatsoever for many reasons. The agents don't let you know that that's not permitted. You move in, you buy it as an investment and the next thing you can't advertise on any short-term letting platform and that creates a problem when this is the purpose for purchasing. Another consideration is the costs and like we mentioned you know you buy a community scheme and there's a bond to pay for like with any property. But along with that there comes your levies you have to pay for the day-to-day running of the body corporates. So you have your levies to fund that. You've got levies for exclusive use of the parking bay, a garage, a patio, a balcony and there's also a sea sauce levy which is which came into operation towards the end of 2016. A lot of owners when they come on board as an owner in a community scheme those are the first questions they ask you know what's this levy, what's this for, why would you pay for this. A lot of the times no one lets them know and not because they didn't ask, they didn't know to ask. You know I can't, I don't know what I don't know. So those are very much the bigger items. There are a few more I'd like to touch on but happy to be guided by you. And actually I want us to look at some of the small ones because I think the big ones you know we speak about and some and I know some of the viewers have managed to you know ask estate agents about it when they were looking at buying because we've had them say look I didn't even know about that pets is always such a big one. I live in a complex where you can have a cat but you can't have dogs which for me is fantastic because then you were not going to have you know the the noise from the dogs and I think with short-term letting I've certainly seen a lot of owners complain with that one because one of the primary reasons why they bought into that particular community scheme was to put their property up on Airbnb and then for them to find out that actually you you can't do that because they don't want strangers you know in the estate and you know new people all the time sometimes it's loud rowdy parties so instead they just decided look rather not have short-term letting what are some of the we'll say slightly smaller things that we probably don't quite think about but we should actually be very aware of. There's two that I want to touch on and it's mostly financial because it does I mean financial aspects you know money makes the world go around and this is exactly what happens at Body Corp but you you don't realize the levy you are paying and when you get your first levy statement you get a good of a shock so before even thinking about it and you found a unit at a complex that you really really like has got a lovely view it's a lovely apartment so what two things I always think about is special levies and insolvency of the complex so a lot of the times we raise special levies for projects or if there isn't enough money to fund anything in the body corporate so usually an owner should ask the seller or a buyer should ask a seller. Has there been special levies in the last 12-24 months? Is there plans to have a special levy and this ties in with insol the solvency of the body corporate or HRA a lot of potential buyers request a copy of the last altered financial statements and that can show you what's the current financial status and if they are indeed solvents if they expend if how much were the expenses of previous year what their collection of levies are and what's the at the end of the financial year how much money that I have did how much liquid cash have they got left to cover any items should there be a massive first pipe on the common property and the entire paving has to be replaced or the entire that they want to upgrade the security cameras or the electric fencing if say it breaks so always look at the solvency because it would affect you if say for instance it's they aren't that solvent or that there's not a lot of money in 12 months time they may have to raise a special levy to cover even the day-to-day expenses also they may need it you know look at the maintenance of a body corporate how much they spend how much have they spent and how much they spent to look over a period of the past 24 months if they didn't spend a lot then they might be a possibility they're going to spend money if they haven't got money they've got to raise it somewhere so it's good to ask the agent what has been the financial case in the last 12 to 24 months that's very important that owners don't actually ask that I've seen it and and and you know I certainly I think that's probably one of the mistakes that I made earlier on in my property journey that when I bought the first you know a couple of properties that also wasn't a question that I bought to us and in I think in some of the transactions was fortunate enough that it didn't you know affect my investment in any way but unfortunately in other instances it did affect my investment where you you know buy into a particular you know community scheme and then only realize that look there's quite a lot that needs work and so you almost need to take into thinking about whether or not you want to stay and be part of that work being done because you think it's going to be worth it or you just don't want to be a part of it so being able to just know that that's potentially something that could happen is such a big thing and I think some oftentimes we don't quite realize it but it really is one of those things that we need to always be aware of yes we're going to go for a quick break and when we come back I sort of want to hear from views at home some of the mistakes that you found yourself making when you bought into a community scheme and you know what were the questions you asked or didn't ask and did the questions that you didn't ask come to buy to once maybe or even years later do you share your experience with us down here below and something to also look forward to later on on the show we're going to be kick starting of course the questions for the legends competition and that for the champions rather competition and that's something that you can look forward to we're going to be asking questions based on yesterday's episode so if you watch yesterday's episode of course you did when we're talking with Michelle Dickens the empty of TP in credit bureau those are the questions that we're going to be asked so in the event where you didn't watch while you're going to have to be tuned in certainly going to have to try and find out from the you know from yesterday's episode what some of the potential answers are which is probably going to be impossible because you're watching this episode meaning the big thing is to be watching us alive because that's how you and of course your team of five can stand a chance of walking away with 1500 grand in cash that we're going to be paying out at the end of the week in the event that you win we're going to go for a quick break and we'll be back just after this 171 of the private property podcast I'm your host was a man don't want to malo if you've just joined us we're talking all things community schemes and we're looking at you know things that you should certainly be aware of in the event where you're looking at buying a new property into the new year in the new year rather that is in a community scheme and if you're a tenant looking to rent in a community scheme then we've also got a few tips up our sleeves that we'd like to share with you at home but before we get to that one we are of course running a great competition across our social media platforms and a really big one right here on the private property podcast and that one of course we want you to ask four of your friends or family members to form a team of five in order to participate give yourself a great name whatever name it is and make sure that every time we come on live here on the private property podcast you come on with your team members and indicate down here below we always love getting some love from you so do make sure that you make your presence known and also then watch out for the questions at the end of the show and those questions are going to be based on the previous day's episode so we give you enough time to kind of digest and you know be sure that you're kind of you know what's going on and then we're going to be going through questions that are not going to be that hard I think we've been we've actually been quite lenient and made try to make it as easy as possible and of course the team that gets the first that gets the five questions correct first is the team that's going to walk away with that 1,500 cash prize look at me I'm talking about numbers so much that it's even slipping up how much money it is but one of the other big things because I love talking about money is that then at the end of the month we're going to be giving away 15,000 rands to the team that's going to be able to accurately answer the top 10 questions that we're going to be asking so do make sure that you hop on our forms we've already shared all the competition rules and details make sure you get your friends and family to join your team give yourselves a great name hop on to the live and show some love but also of course participate in the competition so you can walk away with that money you know we love giving away money we know how easily we make it for you to be able to win that money so do make sure that you don't miss this opportunity because we are in a very festive and giving spirit now to get to our conversation of course I'm speaking to Lee Ann Harrison who's a portfolio manager at Hem Golden property management services and to go to your questions and comments on our social media page we've got one from one of the top fan gang members on Facebook who asks in a newly developed in a uniformed body corporate how do you determine the levy and set up the system um very good question and very valid question whenever I look at preparing a budget for a scheme that's already been established for a few years it's easier to to do a budget because you have figures to work from for the previous year with a new development there are no figures you don't know how much it's going to cost in a year's time to fix electric fence or to fix the gate so we try really do our best when we are preparing the budget and terminating the levies to work on schemes that are similar and just to give an idea you'll know when a scheme is established and sectionalized that there are certain um already determined uh expenses security gardening uh if you're going to have an employee that does um maintenance on site or a building manager if there are any other projects lined up or um if there is any painting to be done so you know like if I take painting for an example of a body corporate it's usually every five to ten years that's almost established if I look at maintenance we're not certain when a pipe is going to burst or a gate's gonna go and you'll have to replace it but generally we look at what we can determine now based on what whatever contracts we into into and we just base it all for what's a similar scheme that we manage or work on so that's that's sort of the considerations that we look at hey you know Leanne I mean I mentioned earlier that we've been speaking a lot to potential buyers who are looking at buying in the new year let's look at renters who are going to potentially be renting in a community scheme what should renters be aware of um when it comes to renting in a community scheme yeah I've got a few points um the biggest one again I think is parking bays and garages now in a bigger scheme or where there's more common property and there may be more parking garages or parking bays and another item to look at is visitor bays so if you are if you if it's a scheme of a hundred units most likely each unit will have a parking bale garage now if depending on how big the common area is there may not be enough visitor bays so when you have your parents visiting or a friend where will their park something to consider again pets big thing to consider are they permitted always speak to your landlord before you before you move in you may have a pet you move in and then you can't have the pet so that's always something massive to look at and then just the rules in terms of noise uh you know if you if you are generally a sociable person and you like to have people over for a bride or or dinners um it's always good to think of remain cognizant of your neighbors look at the positioning of the apartment are you are you close to everybody else is the balcony or patio where you're going to have your party or dinner close to other neighbors look at and how noise could travel same with if you're a smoking if you're a smoker uh where you would where you where you where you can smoke um it's not always permitted on the common property but the most like in your apartment um that's something to take into consideration and then also insurance I know this is more for buyers but look at I know geysers are generally covered in terms of insurance however look at the excess payable if there is any excess payable for a geyser or any other and claim uh if you you know if you have a geyser claim what the excess is so that when it when a claim pops up you'll have to pay that it's not for the body corporate or h2o to pay uh another item that I just um remembered if you're living as a tenant uh have a look at the rules what the finances finding system is if you offer if an owner is fined generally they will pass a fine on so if you've paid a deposit or you one month you pay more than you said that you meant to because there's a fine and it could be a small amount or it could be a big amount but if you if these are continuous breach of the rules the owner may pass a fine on to you and make you pay it so that's something to look at as well and I think you know and if I actually think about you know managing or dealing with tenants sometimes I find that owners don't do a great job of sharing the rules of the estate or conflicts or the building with the tenant and the tenant only finds out retrospectively or after they've committed that particular offense oftentimes you know a landlord especially perhaps if it's a DIY landlord will have the lease agreement in place with the various rules but lease agreement won't necessarily include all the rules obviously of the of the complex or the state so you almost need to actually just share those rules in the entirety and perhaps you didn't have to find that they agree to you know abide by these rules in the event where they don't then there's going to be the penalty share with them what the penalty fee is then in the lease agreement you can have a clause that says that that's the addendum and you know the these they've stipulated what the potential costs are going to be because that's also a way that oftentimes the landlord and their tenant tends to you know but it's quite a bit because you didn't know that you couldn't do certain things I think the big ones we all know about noise you know ending at 10 or whatever the time period is but some of the the smaller ones you're probably not as aware of them and it does actually become quite a contentious one now before I let you go you know Leigh Ann probably you know tips on based dealing with potential conflict in community schemes because we also know that there is quite a lot of conflict that tends to arise sometimes I mean I know for example instances where a partner of mine was saying that in one of the their properties they always get you know the owner living above the tenant's unit always complains about noise and they're on the grant unit and it could be the smallest thing your TVs on and it's not even on loud and then they're complaining just because they can hear it if you have a friend over and you're talking you're not even loud and then they complain so what are some of the best ways that we can manage conflict in community schemes? Yes I as a managing agent I deal with it on a daily basis you know complaints regarding noise and the dog barking the whole day and night smoking how the smoke sort of penetrates another unit parking in another person's bay whether by accident or not so generally a lot of body corporates or home and associations will have a dispute resolution process in terms of their rules or their constitution whereby let's say me and you live with your neighbours and your dog was barking for the entire night and I wasn't happy about it and it kept me up and now I want to do something about it so I would firstly approach the manager approach the if I was a tenant or the owner approach the managing agent and then I would say listen I'd like to raise this complaint please can you inform the owner that this is not acceptable or the like which the managing agent would then do they'll write a letter or they'll pick up the phone and listen if you do it again there'll be consequences in terms of the in terms of the conduct rules you can only follow what's in the rules so if the rule says a warning then a fine that's the step to take so if if it happens again within a week or two weeks the dog's barking again then I would inform the managing agent once more listen it's still continuing what are you going to do about it and the next step would be a fine if in terms of the rules it's a breach if it's continuous and there's no and there's no um on part of the defending party to reduce the noise or do something about it uh usually you can then approach what's called the community schemes ombud service which is the ombudsman that was created in 2016 to deal with dispute resolution in community schemes prior to that you could well even now you can approach courts to um for a damages claim or whatever the case may be but the c-sauce for me is the most uh obvious choice at the moment because it's also a cheaper service I think to file at the moment I'm not I might be wrong but it's about 150 Rand to file a dispute an application for dispute resolution and follow the process so I just think the first step is always to approach the portfolio manager or managing agent that you have a complaint and follow the process in terms of the conduct rules or constitution of the community scheme we've got a question here coming through from YouTube it is from utsapam of a body who asks let's say your tenant or visitor breaks the rule of the complex or estate and is fine who is liable for the payment so because the owner is an owner by virtue of ownership is bound by the conduct rules every every act or breach of a conduct rule is attributable to the owner so let's say I'm the tenant and I break a rule of noise often midnight we had a massive party and there was we we um disturbed a few of our neighbors yes the tenant broke the rule but the landlord is ultimately responsible for that tenant so the managing agent would find the owner and the owner then has the they could find the tenant or they could pay themselves but ultimately the owner will be the one that will receive the final receive the fine whether by the levy account or a separate bill for the fine and they will ultimately be responsible to pay that fine well I think before I let you go the and any final tips whether to renters or potential home buyers or perhaps people who are really home buyers when it comes to like living in a community scheme yeah yeah um one thing I think I picked up on which is it's usually an issue um if you look at the scheme of 10 units versus the scheme of 100 units both parties have the same security guard 24 hours a day now the scheme of 10 units has to pay 30k a month the scheme of 100 units also has to pay 30k a month for that guard now if you look at the difference in levies the 100 unit 100 unit scheme will pay less for that guard in terms of how much per um the contribution per owner whereas the 10 unit will pay more that also influences your levies so look when looking at buying always look at how big the scheme is and what your current expenses are because that will influence your levies the levies will never be reduced if you're a smaller scheme but you have the same expenses as a bigger scheme so that's something to take into consideration as well and that's a great note to end on and thank you so much for joining us this evening thanks so much Dhamma it was lovely and that is the Ann Harrison who's a portfolio manager at Pemgolding Property Management Services we're going to go for a quick break when we come back we will be going through tonight's five questions for of course the questions for the champions competition that we're running across our social media platforms I'll tell you a little bit more about it just after this. Come back to the Tuesday edition of the Private Property Podcast I'm your host Usamanto Muakumalo well it's that time of the evening where we go through this evening's questions for the champions now if you still don't know about this great competition that we're running we're asking you at home to get four of your friends or family members and to form a team of five gives you give yourselves a unique name so that you're able to make yourselves known make sure that you tune into the Private Property Podcast every weekday at seven o'clock and of course when you're tuning in during the live let yourselves be known do certainly check in so that we know that your team is in fact watching us live and then of course you're going to wait until the very end of the podcast which is right now when we get to ask you five simple questions based on yesterday's episode the team that gets the first correct answer so the first five answers correct walks away with one thousand five hundred grants it's that simple get your friends to come on let us know what your team name is all of you must say I'm from team pirates team teams team sundowns and we're watching live and when you answer the question and this is a very important one also share the name of your team so if your team pirates and we ask you a question and let's say the the answer of the question is number two then you must say number two hashtag team pirates so that we're able to verify you know which team answered all the questions on time the big thing to note about this one is that we're going to be announcing the winners the following day that's just so that we verify that all team members were in fact you know watching us live and also to verify which team said all the answers on time so we want to make sure that we get all our ducks in a row so you can get to walk away with that cash prize it's that simple I'm sure you you know get the gist of it you said you want to make sure that you walk away with as much money as you can during this festive season and that's something that I'm sure a lot of us want now to get started we are going to be asking I'll be asking five questions and they're based on yesterday's episode and that's of course the episode that was with Michelle Dickens who's the managing director of tpn credit bureau and the first question based on yesterday's episode is paying your debt on time will not have a negative impact on your credit score true or false so that's paying your debt on time will not have a negative impact on your credit score so all they have to do is answer true or false and of course hashtag the name of your team and you're going to potentially stand a chance of walking away with that 1500 grand all of you have to answer five questions correctly or rather we have to have five correct answers from your team so you don't all have to answer at the same time you can choose one person who's the one who types the answers for us and you're going to be like this is from our team but all of you do have to be watching us live in order to stand a chance of winning the second question here is you can get you can get three free credit reports per annum from any credit bureau true or false so you can get three free credit reports from any credit bureau per annum true or false remember to share your answer down here below with the hashtag uh the name of the team that you are in so that we're able to track those great answers and stand a chance of walking away with that cash prize and in an event where we don't somehow get a winner this money is just going to keep rolling over and rolling over so you want to make sure that you get it as quickly as you can and you don't miss out so do make sure that you and your team are shocked you watched the previous day's episode and when you tune into this uh to you know to tonight's episode or certainly the other nights that are coming along that you are alert and you're ready to answer those questions i did say they're going to be easy and if you're watching yesterday's these are a walk in the park and the third one is tpn does not just look at your credit bureau information but they additionally supplemented with their transactional data that they have on you true or false so i'll repeat that one it says tpn does not just look at your credit bureau information but they additionally supplemented with their transactional data that they have on file that they have rather on you true or false so you can see these questions are easy i did say it's a festive season and it is a season of giving so we're not going to make it hard i think we've had enough hardships this year so we want to give away this money like i said we have up to a hundred thousand rounds to give away during this festive season so you want to make sure that you get your hands on some of that money and it's so easy to win you know whether it's on our social media platforms or certainly of course by making sure that you watch the private property podcast now for the fourth one it is it takes one year for the credit bureau to remove judgment against your name once the date is settled true or false and i'm going to repeat that one it takes one year for the credit bureau to remove judgment against your name once the date is settled once the date rather is settled true or false again it's very simple make sure your team members are watching all of you are watching whoever answers it's fine make sure you use the hashtag of your team name so that we know how to track it and make sure that you know we give the points to the right team the team that scores the highest points is going to be the team that walks away with that 1500 rounds it really is that simple so you want to make sure that you tune in and ready to win that cash prize and the last one is you can get your credit score from the nearest police station true or false so you can get your credit score from the nearest police station true or false so winning across our social media platforms is literally that simple you watch the private property podcast get four friends or family members to be part of your team give yourselves a unique name i mean i've already been making examples with chiefs and pirates and sundowns don't choose that because i think too many people might actually choose that one and make sure you're watching us live all the questions for this competition are going to be based on the previous nights episode just like tonight's questions were based on last night's episode and we're going to be um awarding the or rather announcing who the winners are tomorrow evening so it's very important for you to bear that in mind we're certainly excited to give away this cash prize every single day except on public holidays and of course over the weekend because we don't have the private property podcast we're going to be giving money away so you certainly want to make sure that you can almost budget this you know you get your friends to watch you like listen this is money that we want let's just watch this thing let's make sure that we pay attention the questions are easy enough and you'll be able to get the prize so fastest fingers certainly with surprise correct answers of course and all the best to all of you i certainly look forward to seeing you faces on as you get your friends and family to watch the private property podcast and really get them part of our great community we do this every night at seven o'clock let's see how we can make the circle bigger and also of course help them along their property journey well that's a wrap from Miza Matunga Kumalo here on the private property podcast as well as the rest of the team we are back on your screens tomorrow rather on Thursday see i keep forgetting because tomorrow's a public holiday it's the 16th so we're not going to be live on the 16th and so we're going to be back on the 17th am i getting my dates correct today is in fact the 15th right so we're going to be back on your screens um on the 17th so that's after the public holiday and that's when we'll also be able to announce the winner and the questions on the 17th are going to be based on tonight's episode so if you weren't very ready make sure you watch tonight's episode get your friends and family to watch tonight's episode but then of course on Thursday you must all join in in order to stand a chance of walking away with that 1500 rand while this evening i do not leave you alone of course at eight o'clock you can tune into building stronger homes with ppc um that is a great web series that we are running we're very excited about it we've been working on it for quite a bit and now that it's finally ready we certainly want to make sure that we make your home ownership journey as seamless as possible and also of course those who already own homes there's so many things that we like doing with our homes so in the event where you might perhaps have a remodeling um that's going to be coming up that's one of the things that you want to be mindful of and this evening the topic is a checklist same time with home developments or renovation projects and I had a great conversation there with the technical rep from ppc uh Rohan Harness who really was great and better explaining some of the things that we always need to be very um aware of when it comes to whether it's a home renovation project or you're building your home from scratch so do make sure that you tune into building stronger homes rather a special web series brought to you by ppc but that's a wrap from us do you hope that you're going to have a fantastic evening do tune into that show at 8 p.m and I'll be back on Thursday hoping you're going to enjoy tomorrow and stay safe I live in belito where my partners in our run a business called uni as a family we chose to move here about six years ago what attracted us to the area was the safe and relaxed lifestyle of the north coast we surrounded by so much natural beauty and we love that it's so casual it's just not as intense as a busy city in fact that's one of the main reasons there's so many people moving into the area there's some amazing lifestyle estate center we've got some barley breadingwood estate and some beauty to name a few the belito lifestyle center caters to everyone's needs there's also some smaller commercial centers like tiffinies and salt rock there's some excellent restaurants to choose from and there's a really wide variety of activities on offer from mountain biking out on the trails to surfing at any one of the beaches there really is something for everyone this quiet little town really comes alive over the weekend the live concerts in the farmers market with the new international airport just 15 minutes down the road and the unmatched lifestyle that this place offers it's no wonder that the north coast is the fastest-growing town in south africa my family and I absolutely love it and this is how I'm able to do it