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You are here: Home / Archives for Savings

Savings

1 May 2024

Exploring Household Appliances Available for Sale in South Africa

Location: MyPR

Household appliances play a vital role in simplifying daily tasks, from cooking and cleaning to laundry and home maintenance. With a wide array of options available for sale in South Africa, upgrading or adding new appliances to your home can significantly enhance efficiency and convenience. Let’s delve into the diverse range of household appliances without …

Read moreExploring Household Appliances Available for Sale in South Africa
30 April 2024

Get cosy with big winter savings at The Crazy Store!

Location: MyPR

Embrace the winter season like never before! The Crazy Store invites you to discover the enchanting wonders of the season that go beyond just clothing. Experience the ultimate winter indulgence with our range of novelty and letter mugs, designed to elevate your coffee, hot chocolate, or tea to the next level of comfort. Don’t settle …

Read moreGet cosy with big winter savings at The Crazy Store!
26 April 2024

Revolutionising Industrial Lifting: The Power of Crane Magnets

Location: MyPR

In the realm of industrial lifting and material handling, the evolution of Magnet technology has brought forth remarkable advancements. Among these innovations, crane magnets have emerged as a game-changer, offering unparalleled efficiency and safety in lifting operations. At the forefront of this revolution are companies like Eriez Magnetics, pioneering solutions that redefine the industry’s standards. …

Read moreRevolutionising Industrial Lifting: The Power of Crane Magnets
26 April 2024

Maximising the Value of Your Annual Financial Statements with Expert Analysis and Insights

Location: MyPR

Annual financial statements provide you with quantitative data regarding specific aspects of your company’s financial performance.  Financial statements include figures from the prior fiscal year so that you and your finance team can compare performance and financial records over two years. It’s all about benchmarking. Quantitative data are data represented numerically, including anything that can …

Read moreMaximising the Value of Your Annual Financial Statements with Expert Analysis and Insights
26 April 2024

Enhancing Business Communication with Smart Call Answering Services in the UK

Location: MyPR

In the fast-paced business landscape of the United Kingdom, effective communication is paramount to success. Smart call answering services have emerged as indispensable tools for businesses striving to streamline their operations and provide exceptional customer service. These services employ advanced technologies such as artificial intelligence and natural language processing to efficiently handle incoming calls. By …

Read moreEnhancing Business Communication with Smart Call Answering Services in the UK
25 April 2024

Make financial freedom your goal this Freedom Month

Location: MyPR

April is Freedom Month in South Africa, and what better way to celebrate than by focusing on achieving financial freedom? Financial freedom doesn’t mean being rich; it means having control over your finances and being able to make life decisions without being overly stressed about the financial consequences. ‘Financial freedom is about being prepared for …

Read moreMake financial freedom your goal this Freedom Month
24 April 2024

Agricultural hubs create work and hope for hundreds

Location: News

But Industrial Development Corporation funding for the project in KwaZulu-Natal is coming to an end

Read moreAgricultural hubs create work and hope for hundreds
22 April 2024

The Role of Education Insurance for a thriving future SA

Location: MyPR

Access to quality education remains a challenge for many, particularly in the face of financial uncertainties. In this context, education insurance emerges as a powerful tool for securing the educational journey of our children and fostering a more inclusive and prosperous society; education is the cornerstone of progress, societal advancement and economic growth. Start-up Futurewise …

Read moreThe Role of Education Insurance for a thriving future SA
22 April 2024

Major improvements in Road Accident Fund turnaround strategy

Location: News

Major improvements in Road Accident Fund turnaround strategy

Cabinet says it has noted the Road Accident Fund (RAF) turnaround strategy which has resulted in major improvements in the settlements of claims within 120 days and reduced legal costs by 75 percent.

The strategy has also seen a reduction of medical costs from R3.6 billion in the 2019/20 financial year to R2.1 billion in the 2023/24 financial year.

Cabinet, in a statement on Monday, said it had received a briefing on the implementation of the turnaround strategy for the RAF, aimed at simplifying the funds system, while also improving the administration of benefits and payouts to accident victims. 

Cabinet noted that a key intervention has been the launch of the RAF contact centre which provides a platform for RAF claimants to have access to their claims information without having to solely rely on their legal representatives. 

The platform also allows claimants the opportunity to verify the payments made by RAF to their legal representatives. 

“The interventions also led to cumulative legal costs savings of over R23 billion in the three years of implementing the strategy. Moreover, the strategy interventions resulted in the reduction of claims paid to claimants/ short term liability to R9.3 billion for the period ending 31 March 2023,” Cabinet said in a statement.

Cabinet was also updated on legislative amendments to the current RAF Act, which are at an advanced stage. 

“The RAF Amendment Bill will be considered by the 7th administration of government. The bill is aimed at refining the benefits and the payment of certain products in annuities and making it equitable,” Cabinet said. – SAnews.gov.za

GabiK
Mon, 04/22/2024 - 15:39

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Read moreMajor improvements in Road Accident Fund turnaround strategy
19 April 2024

Government makes progress in recovering rail services

Location: News

Government makes progress in recovering rail services

While commuter rail services have deteriorated due to criminal syndicates over the years, government is making significant strides in restoring passenger rail services that are reliable, safe, modern and affordable.

“To date, the Passenger Rail Agency of South Africa (PRASA) has restored 31 of the 40 lines nationally, with over 263 of the 463 stations that were vandalised refurbished to basic functionality,” Transport Minister Sindisiwe Chikunga said on Friday.

The Minister made these remarks after taking a trip on a train from the Nancefield to Johannesburg line, which was reopened recently.

In Gauteng, PRASA has recovered six more lines that were targeted for the 2023/24 financial year.

Trains are now running from Hercules to Belle Ombre, Pretoria to Kaalfontein, Leralla to Germiston, Germiston to Johannesburg, Germiston to Elsburg, Johannesburg to Naledi, Johannesburg to Nancefield, Johannesburg to Florida, connecting the three great municipalities of Gauteng: Pretoria, Ekurhuleni, and the City of Johannesburg - all the way to the West Rand.

“I am also pleased to tell you that since the recovery of the passenger rail services in the 2020/2021 financial year, over 70 million passenger trips have been made to date, from a low base of 7.4 million passenger trips made in the 2020/21 financial year. That is more than a tenfold increase and that makes us proud.

“Since the recovery of the Nancefield line, this service alone is making over 1 000 passenger trips per day.  Though we are not where we should be, this marks a significant improvement, and illustrates the demand for the service. It also tells the story that people are gradually choosing rail as their preferred mode of transport,” the Minister said.

PRASA anticipates that the numbers will steadily increase as more lines and stations are reopened.

“With the reopening of the Nancefield to Johannesburg railway line, we are seeing the transformative power of commuter rail services.

“Residents from Klipspruit, Mlamlakunzi, Sebokeng, Orange Farm, can now travel to industrial parks in Braamfontein, Germiston and various destinations by train. We are connecting people to places of work and economic opportunities - affordably.

“For soccer fans who enjoy watching games at the stadium, they can now travel to their favourite stadium via the Orlando station,” she said.

Chikunga said commuters have expressed that they are relieved now that the trains are back and can get to their various destinations on time, without the stress and uncertainty that came with the old PRASA train services.

“The people I have interacted with through this recovery journey appreciate the new high-tech trains, Isitimela Sabantu that we are rolling out on our corridors, proudly manufactured right at our backyard in Dunnottar, Gauteng.

“The people love the security features that come with the trains, they love the automated doors, the voice command that tells them of the next stopping stations and the air-conditioning system. More importantly, they appreciate the savings they make on travelling costs. They can now put more money back into their pockets,” the Minister said.

Chikunga said by providing affordable and efficient transportation options, government has empowered marginalised groups, improved access to opportunities, and fostered greater social and economic inclusion.

“Our people now have access to comfortable, modern trains that get them to their various destinations on time with the comfort of knowing that there is security onboard the train and on the station platforms.

“Work continues on these lines and the stations. Soon, residents from Katlehong, Springs, Midway, Roodepoort to Residentia, will be able to access these services.

“Our work now is to increase the frequency of the trains and reduce the waiting times for the next train to arrive. It is what they are asking for. The National signalling project has started in earnest,” the Minister said.

The new modern signalling system will ensure that trains run frequently and safely and this is while work continues to rehabilitate the stations.

“As national government, we made a commitment to not only empower our people but transform their lives. The investment made through our capital projects ensure that the economy continues to be the beacon of hope for many South Africans.

“Through the passenger rail capital projects, around R30 billion has been invested over the last two years to stimulate the economy, and over 5000 jobs have been created nationally just this last financial year,” the Minister said.

Another 312 jobs were created just on the rebuilding of the Nancefield line and16 local Small Medium and Micro Enterprises (SMMEs) appointed, boosting the local economy in these areas.

“The skills and on-job experience acquired go a long way in improving the lives of our people. The reopening of train services has also breathed in new life to the secondary/informal economy that was almost decimated when train services were suspended.

“Traders can now earn a living at our stations selling their products to commuters and visitors of various stations. We are making a positive impact on their well-being,” the Minister said. – SAnews.gov.za

nosihle
Fri, 04/19/2024 - 11:14

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Read moreGovernment makes progress in recovering rail services
17 April 2024

Revolutionising Home Comfort: The Impact of Smart Blinds and Light Switches

Location: MyPR

In the realm of home automation, two standout innovations—smart blinds and smart light switches—are transforming our living spaces into havens of convenience, efficiency, and personalized comfort. These technologies are not merely about adopting the latest trends; they’re about reimagining how our homes serve us, making everyday interactions with our environment simpler, more intuitive, and tailored …

Read moreRevolutionising Home Comfort: The Impact of Smart Blinds and Light Switches
17 April 2024

Transforming Car Ownership: Moreleta Service Centre Advocates for Timely Clutch Maintenance

Location: MyPR

Pretoria, South Africa – Every vehicle owner understands the apprehension that comes with unexpected car repairs. These inconveniences, often accompanied by significant financial strain, can disrupt daily life. Among the multitude of vital car components, the clutch stands out as a frequently overlooked yet crucial element, prone to causing sudden and unpleasant surprises. Moreleta Service …

Read moreTransforming Car Ownership: Moreleta Service Centre Advocates for Timely Clutch Maintenance
15 April 2024

Introducing Ciaran De Chaud – From garage production in Johannesburg to a top-end recording studio in Los Angeles.

Location: Entertainment, MyPR

South African music producer/engineer, Ciaran De Chaud (27) enters 1416 North La Brea Ave Hollywood for work each day. It’s the historic location of Charlie Chaplins’ 1917 studio and today it operates as Henson, one of the music industry’s top recording facilities collaborating with artists like Taylor Swift, John Mayer and The Rolling Stones. De …

Read moreIntroducing Ciaran De Chaud – From garage production in Johannesburg to a top-end recording studio in Los Angeles.
15 April 2024

What Are Unboxed Deals?

Location: MyPR

Unboxed deals are products that, for various reasons, cannot be sold as brand new but are in perfectly good working condition. They may include electronics, appliances, gadgets, and even clothing or furniture. Retailers offer these products at significantly reduced prices because the items can’t be sold at full price due to their opened or “unboxed” …

Read moreWhat Are Unboxed Deals?
10 April 2024

Explore RS Imports’ Blender Collection

Location: MyPR

In the realm of culinary creativity, blenders play a vital role in transforming ingredients into delectable delights. Whether you’re whipping up smoothies, soups, sauces, or dips, having the right blender can make all the difference in achieving the perfect consistency and flavour. At RS Imports, we understand the importance of quality blenders in the kitchen, …

Read moreExplore RS Imports’ Blender Collection
9 April 2024

Nedbank’s new Premium Banking offering delivers value that matters to all South Africans

Location: MyPR

As South African households continue to grapple with high inflation, rising interest rates, increasing petrol and food prices, as well as unrelenting electricity hikes, getting as much value as possible from finances and banking has become a priority for most people. Nedbank has responded to this need for value-adding banking with a premium banking experience, …

Read moreNedbank’s new Premium Banking offering delivers value that matters to all South Africans
9 April 2024

QUIZ: Are you a Budget Buster or a Savvy Saver?

Location: MyPR

Many reports over the past year have indicated a concerning trend among South Africans, revealing that a massive portion of the population is grappling with debt. Whilst we all know that mastering our finances is key to unlocking a more secure future, it’s often easier said than done. Samantha Pillay, Director at First Loyalty Plus, …

Read moreQUIZ: Are you a Budget Buster or a Savvy Saver?
8 April 2024

Africa Data Centres and DPA Southern Africa (SA) breaks ground on solar farm in Free State

Location: Business
Africa Data Centres

Africa Data Centres (www.AfricaDataCentres.com/) and DPA SA have broken ground on their solar farm in the Free State; The first phase will see power getting wheeled to its CPT1 facility; The second phase will see power being supplied to JHB1 and JHB2 once wheeling agreements with relevant municipalities conclude.

Africa Data Centres, a business of the Cassava Technologies group, is pleased to announce that it has broken ground on the construction of a solar farm in the Free State in collaboration with DPA Southern Africa.

This announcement forms a crucial component of the 20-year Power Purchase Agreement (PPA) inked in March 2023 with DPA Southern Africa a joint company of the French utility, EDF. The objective of the Free State farm is to furnish renewable energy to Africa Data Centres sites, commencing with its cutting-edge, carrier-neutral data centre in Cape Town, the CPT1 facility.

According to Cassava Technologies' President and Group CEO, Hardy Pemhiwa, “This initiative positions Africa Data Centres as a trailblaser in the data centre industry in responding to South Africa's energy crisis through sustainable technology solutions. This is in line with a broader industry shift towards innovative, eco-friendly practices. The strategic use of solar power showcases technology's role in pioneering solutions for energy challenges and environmental sustainability”.

Furthermore, Tesh Durvasula, CEO of Africa Data Centres, underscores the commitment to powering all data centres with clean, renewable energy sources. "Today's announcement represents a significant stride in our initiative to energise South African data centres sustainably, advancing our objective of achieving carbon neutrality. The first phase involves constructing the 12MW solar infrastructure to power our Cape Town data centre, with subsequent phases extending to our Johannesburg data centres.”

Nawfal El Fadil, the CEO of DPA SA, states, "Africa Data Centres, as a pioneer in the data centre industry, has consistently demonstrated a strong commitment to sustainability, aligning seamlessly with our company's values. We are thrilled and honoured to contribute to Africa Data Centres' mission of achieving carbon neutrality, beginning with the establishment of this solar power plant in the Free State to serve their data centre in Cape Town. At the heart of our collaboration lies a shared understanding that the path to carbon neutrality extends beyond infrastructure—it demands innovation, expertise, and collective determination to overcome challenges. DPA SA, backed by EDF's legacy, brings a wealth of experience and a proven track record in delivering high-quality, sustainable energy solutions to this partnership."

"We take immense pride in supporting Africa Data Centres on this journey, being among the pioneers in launching a wheeling solar plant, thereby paving the way for a greener, more sustainable future in South Africa," adds Nawfal El Fadil.

This project is a key element of Africa Data Centres' ambitious plans to emerge as the most sustainable colocation provider on the continent. "Beyond procuring renewable energy, our commitment to an efficiency strategy has earned us the internationally recognised ISO50001 certification for the effective operation of our data centres," Durvasula elaborates.

"Data centres worldwide face scrutiny for their reliance on grid power and renewables, and Africa is no exception. Africa Data Centres is actively addressing this issue by generating renewable energy, alleviating strain on the local grid. Additionally, our sustainability objectives encompass achieving net-zero status at all facilities, making this project another significant stride towards reaching that goal," concludes Durvasula.

Distributed by APO Group on behalf of Africa Data Centres.

Social Media Platforms:
Twitter: https://apo-opa.co/4cKzd4r
LinkedIn: https://apo-opa.co/446fpol
Facebook: https://apo-opa.co/3TSkVGa 
YouTube: https://apo-opa.co/3NcwWnp

About Africa Data Centres:
Africa Data Centres is your trusted partner for rapid and secure data centre services and interconnections across the African continent.

Africa Data Centres is Africa's largest network of interconnected, carrier and cloud-neutral data centre facilities. Bringing international experts to the pan-African market. We are your trusted partner for rapid and secure data centre services and interconnections across the African continent. Strategically located, our world-class facilities provide a home for all your business-critical data. Proudly African, we are dedicated to being the heart that beats your business.

Africa Data Centres' aim is to unveil various business opportunities and to develop a strategic network of partnerships. This will further strengthen Africa Data Centres' superiority in providing our customers with the highest standard of interconnected, carrier and cloud-neutral data centre facilities throughout Africa. www.AfricaDataCentres.com/

About Cassava Technologies:
Cassava Technologies is a technology leader providing a vertically integrated ecosystem of digital services and infrastructure enabling digital transformation. Launched in 2021, the company was born out of a need to create a digitally connected future that leaves no African behind.  Through its subsidiaries, namely, Liquid Intelligent Technologies, Liquid Dataport, Liquid C2, Africa Data Centres, Distributed Power Africa, Sasai Fintech and Telrad, Cassava is a multinational technology company that has operations across key growth markets like Africa, the Middle East, Latin America and the United States of America. Cassava provides its customers in 94 countries with offerings that will help them grow, transform, and expand their operations. https://apo-opa.co/3U7rdmB   

About DPA Southern Africa:
DPA Southern Africa, a joint company of the French utility EDF and Distributed Power Africa, is at the forefront of the Southern African renewable energy market for businesses, laying the foundation for a sustainable and environmentally conscious future in South Africa and beyond.

Our commitment is to assist companies in achieving carbon neutrality and cost savings simultaneously by providing tailor-made renewable energy solutions that meet the specific needs of businesses. Our comprehensive offerings include on-site, wheeling, and storage solutions, offering businesses a holistic approach to sustainable energy management.

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4 April 2024

Pratley’s Pratliperl® ensures energy efficiency in the fight against global warming and climate change

Location: MyPR

Pratliperl® has been developed by Pratley to promote sustainability in the construction industry. “We have always been committed to sustainability and energy efficiency, especially in terms of infrastructure development and energy savings,” comments Pratley Marketing Director Eldon Kruger. Pratliperl® is a naturally occurring mineral aggregate for plaster and screeds that can assist contractors and developers …

Read morePratley’s Pratliperl® ensures energy efficiency in the fight against global warming and climate change
4 April 2024

Stay and Play: Tips for The Ultimate Golfing Getaway

Location: MyPR

Autumn is the perfect time to book a golfing getaway with your golfing buddies or your partner if they enjoy golf. The weather is cooler, and rain is less likely but the fairways remain lush and inviting. Shaun Lamont, Managing Director of First Group Hotels and Resorts, and avid golfer, shares some great tips to …

Read moreStay and Play: Tips for The Ultimate Golfing Getaway
2 April 2024

Elections 2024: What the major political parties say about social grants

Location: News

We sent questions to the ANC, DA, EFF, IFP, FF Plus, ActionSA, PA, MK Party and RISE Mzansi

Read moreElections 2024: What the major political parties say about social grants
27 March 2024

Thinking Of Buying Your First Home? These Are The Steps To Follow

Location: MyPR

Paul Stevens, CEO of Just Property, demystifies the journey with this step-by-step guide to buying your first residential property in South Africa. Buying a property in South Africa is a significant financial commitment, and the process can feel overwhelming. The good news is that with the current market leaning in favour of buyers, it’s a …

Read moreThinking Of Buying Your First Home? These Are The Steps To Follow
27 March 2024

Smart Home Forecast: What’s in store for 2024?

Location: Business
CBI-electric: low voltage

Nowadays, the phrase ‘home is where the tech is' defines modern living, as South Africans increasingly (https://apo-opa.co/3TSowVR) adopt smart home innovations. These advancements are continuing to adapt and evolve in their capabilities which not only improve convenience and security but can also decrease energy consumption, contributing to cost savings.

This is according to Dr Andrew Dickson, Engineering Executive at CBI-electric: low voltage (www.CBI-LowVoltage.co.za/), who says that, in 2024, homes will become even more high-tech in terms of the efficiency, functionality, and personalised living experiences they provide. “We may still be a few years away from homes resembling those dreamed up by sci-fi movies, but we are already heading in the direction of smart technology becoming less of a luxury and more of a staple in modern homes.”

Below, he shares four trends that will help make South African homes smarter this year:

  1. Improved Internet Speed: In the early part of the year, the Independent Communications Authority of South Africa (ICASA) will hold another auction (https://apo-opa.co/43wkAO1) for radio frequencies including 5G. What the rollout of more 5G will mean for smart homes is lightning-fast internet speeds, instantaneous communication between devices, and the ability to connect even more gadgets within a smart home ecosystem for seamless integration and control. It will also allow for greater stability and reliability which will prove particularly useful when it comes to monitoring and controlling critical systems remotely in real time. Ultimately, the rollout of 5G is poised to elevate the capabilities of smart home technologies, making them even more intelligent and efficient.

In addition, WiFi-7 is set to roll out in the country this year which will improve internet connectivity to devices in the home, extend range and promises to deliver nearly five times the speed of Wi-Fi 6. This, however, is also reliant on the release of more spectrum and regulatory approvals.

  1. Incorporation of Artificial Intelligence (AI): Leveraging its data analysis and processing capabilities, AI discerns user patterns, utilising these insights to anticipate and implement homeowners' future decisions and choices. By integrating AI into smart home devices, these products can learn and adapt to a user's habits and preferences, optimising efficiency, intuitiveness, and responsiveness. Consequently, homes become attuned to the unique needs and preferences of their inhabitants. A practical illustration of this is a smart lighting system employing AI to automatically adjust the lighting throughout the entire home in accordance with the time of day or the user's activities. AI will also assist homeowners who may not be tech-savvy by offering them the opportunity to implement advanced automation with their smart devices without the need for manual programming.

In the future, generative AI will make smart homes even smarter. Soon, these tools will not only help to identify appliances that require preventative maintenance but also set up appointments with service providers for their upkeep based on the homeowner's schedule and availability.

  1. Smarter security: Technological innovations are becoming increasingly incorporated into various smart home security systems. Take, for example, the evolution of smart locks, which are now activatable through various interfaces such as fingerprint recognition, PIN codes, voice recognition, and phone apps. Blockchain is also set to play a crucial role in fortifying smart home security systems, rendering them more resilient and resistant to potential hackers. Additionally, AI has the potential to analyse residents' behavioural patterns, promptly notifying homeowners and their security companies if there are deviations or unusual activities within the premises.
  1. Energy optimisation: Anticipating a 20,200MW (https://apo-opa.co/43CvWQp) energy shortfall in 2024, homeowners are turning to smart home technologies like those in the CBI Astute Range (https://apo-opa.co/43yQJEu) of products to monitor and manage energy consumption. These technologies collect and analyse vast amounts of data, helping users identify areas for improvement. Plus, automation can assist them in adjusting their usage, even when they're not at home.

Additionally, as more South Africans embrace rooftop solar (https://apo-opa.co/3IUS6DT), smart technology enables the effortless integration of renewable energy sources to combat the impacts of load shedding while also ensuring that the power produced is used effectively and efficiently.

“In 2024, smart homes will become sanctuaries of innovation, enriching the lives of South Africans and heralding a future where homes understand, adapt and even pre-empt the unique needs of their residents," concludes Dr Dickson.

Distributed by APO Group on behalf of CBI-electric: low voltage.

For more information, go to https://CBI-LowVoltage.co.za or follow CBI-electric: low voltage on Facebook (https://apo-opa.co/3vvHgRW), Instagram (https://apo-opa.co/43Cr9hY), LinkedIn (https://apo-opa.co/4atY8Y6), X (https://apo-opa.co/4aw8czw), Threads (https://apo-opa.co/3VBbqxv) or YouTube (https://apo-opa.co/3IWb2Ce).

About CBI-electric: low voltage:

  • Established in 1949, CBI-electric: low voltage is a manufacturer and supplier of quality low voltage electrical distribution, protection, and control equipment. Previously known as Circuit Breaker Industries or CBI, the company specialises in the design, development, and manufacturing of circuit breakers, residential current devices, surge protection, wiring accessories, and metering products.
  • Head quartered in Johannesburg, South Africa, the company is a subsidiary of renowned JSE listed industrial group Reunert (https://www.Reunert.co.za/), with international operations across Africa, Asia, Australia, Europe, and USA.
  • CBI-electric: low voltage can be found in almost every home and has firmly become a market leader over the last 72 years while supplying products to authorities, utilities, manufacturers, commercial property developers, industrial, mining, telecommunications, and general power distribution applications.
  • In 2021, the brand launched its smart IoT (internet-of-things) home automation range, called the Astute Range.
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27 March 2024

Pension funds and emigration: Tax could be the make-or-break factor

Location: MyPR

Investing in an offshore retirement fund is one way of growing your wealth in a stable economy over the longer term, or even gaining residency in a foreign country. However, for South Africans, this scenario presents as many challenges as it does opportunities, and should only be considered after consulting with a financial adviser and …

Read morePension funds and emigration: Tax could be the make-or-break factor
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