Call the Loan Center at Provident Bank if you are interested in applying for a home mortgage in Rancho Mirage. They offer an assortment of tools and loan programs whether you are purchasing a new home or second …The long answer. Thank you for your email asking how you can claim your provident fund after resigning last year when your employer refuses to give you the withdrawal form. Your employer legally has to sign your withdrawal notification form to prove to the provident fund that you no longer work there, and to indicate if you resigned or …With Provident Mobile Banking, you can: Check your account balance(s) View recent transactions; Pay bills; Transfer money; View images of paid checks; Find a local …How much tax will I pay on my provident fund payout South Africa? The tax is calculated as follows: 18% of the amount by which the R45 000 is more than R25 000 = 18% of (R45 000 – R25 000) = 18% of R20 000 = R3 600 • The first R25 000 of the R45 000 is tax free while R3 600 tax is payable. On 31 January 2019, Mr T retires from the DEF ...Provident’s Mobile Banking Services allow you to check balances, pay bills, make transfers, and make check deposits. Need to find the Provident branch or ATM closest to you? … 3.75% APY *. Take your savings to the next level with Provident Platinum MoneyManager SM and earn 3.75% Annual Percentage Yield. * Hurry, this exclusive offer ends July 1, 2024. Start earning today! ProvidentConnect for Business. Choose Provident Bank for personal & business banking in Moreno Valley. We have a variety of services to meet your specific needs! Skip to Main Content phone (800) 442-5201 drafts [email protected] place Locations people Employment contact_phone Contact Us chat Chat SAFE - Send or receive money right from your Provident Bank app. EASY - Send money to almost anyone you know and trust 2 using just an email address or U.S. mobile phone number. Getting Started is Easy. 1. Download and log into the Provident Bank app 2. Select "Send Money with Zelle ® " 3. Enroll your U.S. mobile number or email address. 4. Provident State Bank now operates as a division of Summit Community Bank and will continue to use its name until we integrate our systems on September 23, 2023. Under FDIC rules, the basic FDIC insurance limit prior to the merger was $250,000 for each depositor at each bank. After Provident State Bank merged into Summit Community Bank, the two ...Click on ‘Online Services’ from the top menu bar and select ‘Claim Form 31, 19 and 10C’ from the drop down menu. Verify your bank account and proceed to ‘Claim Online’. Click on ‘PF Advance Form 31’ and fill in the details in a new form that opens up if it advance or withdrawal before retirement.You need to enable JavaScript to run this app. You need to enable JavaScript to run this app.This means that you can claim a tax deduction of up to R 66 000 (27.5% of R 240 000). You’re limited to the total of your actual contributions though, so in this case the amount of R 19 200 can be deducted from your taxable income for the year. Taxable income = R 240 000. Retirement fund deduction allowed = R 19 200.Provident is committed to providing hassle-free banking to all of our clients. Our services run the gamut, from deposits, to loans, investments, digital banking and wealth management for both consumers and businesses. Explore our website, contact us online, or call 1-800-448-PROV (7768) to discuss how we can meet your banking needs.Provident Bank has been serving the greater Riverside area for over 60 years and offers intuitive online services, worldwide ATMs, business services, competitive rates, retirement accounts, home mortgages, and more! Apply for a Home Mortgage at … Five Ways to Offer Excellent Customer Service During the COVID-19 Pandemic. VIEW Views 11592. Learn how to download, use and login to the Provident Bank mobile banking app today to access our features. If you are not an authorized user of this system or do not consent to continued monitoring, exit the system at this time. For help or support, please contact our Customer Service Department Monday through Friday 8:00 am to 6:00 pm or Saturday 10:00 am to 2:00 pm, at 800-442-5201. RETIREMENT FUND LUMP SUMS. Use our fund benefit calculator to work out the tax payable on lump sum payments from Pension funds, Provident funds and/or Retirement Annuity funds. We have the SARS tax rates tables built in - …9 ก.ย. 64 - บลจ.ทิสโก้ เปิดช่องทางใหม่ “Freedom by TISCO PVD” เพิ่มความสะดวกให้สมาชิกกองทุนสำรองเลี้ยงชีพของทิสโก้ จำนวน 646,000 ราย สามารถตรวจสอบยอดเงิน - ขอรายงาน ...Mr. Rosario Aguilar Government Social Security Service Pasig, Manila January 28, 2014 Dear Sir: Good day! This is in line with my application for a provident loan last December 5, 2014. I have passed all the requirements pertaining to it for the approval but I wonder that its been a moth now, but I haven`t received any feedback about my application.The best weapon in your arsenal is knowledge: you’re at an immense advantage if you know how to save early and a lot, budget, and live within your means. The second best is Provident: we can help you reach your savings goals! So whether you are looking for a CD account with competitive interest rates or a simple savings account or a money ...Important Information for Hoag Patients Hoag patients should continue to use Hoag Hospital MyChart to manage hospital appointments through August 5, 2023.ProvidentConnect: Connecting YOU to Your Accounts – Anytime. ProvidentConnect’s benefits are comprehensive. You can: Pay Bills: Pay one-time and recurring bills such as …6 days ago · 2.61%. $100,000. 2.628%. 2.66%. A) This account (Membership Savings, Youth Savings, or Business Savings) is required for Provident Credit Union membership. B) Terms and Conditions: The Annual Percentage Yield (APY) is variable and subject to change. The floor rate is 1.96% APY and guaranteed through December 31 of the current year on all new ... The home office of Provident Bank in Riverside allows you to take advantage of the helpful, advanced solutions for managing your personal banking at this Riverside bank. …The Employees’ Provident Fund (EPF) is a compulsory savings and retirement fund for eligible employees. The Employees Provident Fund Organisation (EPFO) has fixed the interest rate at 8.15% for the financial year 2022-23. There was a hike in the EPF account interest rate by 0.05%. The interest rate for the EPF account was …Tax on R1m will then be R141 750 plus R19 800 (36% on R55 000) = R161 550. Tax payable on dismissal/resignation lump sum benefits: • Tax free portion: As per the prescribed tax table, the tax free portion amounts to R22 500. • The prescribed tax table for resignation benefits is as follows: • Your example: If you exit your provident fund ...You need to enable JavaScript to run this app. You need to enable JavaScript to run this app.Provident is committed to providing hassle-free banking to all of our clients. Our services run the gamut, from deposits, to loans, investments, digital banking and wealth management for both consumers and businesses. Explore our website, contact us online, or call 1-800-448-PROV (7768) to discuss how we can meet your banking needs.Provident Financial Holdings, Inc. 3756 Central Avenue Riverside, CA 92506 (951) 686-6060. Investor Relations Contact Mr. Donavon P. Ternes [email protected]. Transfer Agent Computershare Trust Company, N. A. 250 Royall Street Canton, MA 02021 (800) 368-5948Provident’s Mobile Banking Services allow you to check balances, pay bills, make transfers, and make check deposits. Need to find the Provident branch or ATM closest to you? …Apr 9, 2024 · Provident Credit Union knows that security is important to you when it comes to online transactions, and we take every safeguard to protect your accounts. Provident's online banking supports the latest 128 bit encryption to ensure a secure environment for your account access. Unauthorized access is prevented by limiting the number of incorrect ... Simply use your existing Provident Bank Online Banking Sign-On ID to get started. • Manage your accounts. • Check your balances. • View transaction history. • Manage account alerts. • Make check deposits. • Snap a photo and deposit from your mobile device. • View deposit details. • Pay Bills.To check your EPF account balance, you have to send an SMS to 7738299899. The message needs to be sent in this format: EPFOHO UAN. To receive this message in any other language other than English, the first three characters of the preferred language need to be added along with the message. The facility is available in 10 languages, with … To get started, log into Provident Bank's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle. Provident Bank offers online banking, mobile banking, loan payments, ATM access, and more. Find out about the complimentary shred event and the fraud alert at Sun City branch.RETIREMENT FUND LUMP SUMS. Use our fund benefit calculator to work out the tax payable on lump sum payments from Pension funds, Provident funds and/or Retirement Annuity funds. We have the SARS tax rates tables built in - …On a typical loan of $766,550.00, with a rate of 7.125%, and an APR of 7.596%,120 monthly payments of $5,164.39; then 240 monthly payments with a rate of 8.125% and payments of $5,569.56. Rates are subject to increase at the end of the fixed rate period, may adjust semi-annually thereafter, and are based on an index plus a margin.Debbie Ryan, certified financial planner, at the Financial Coach responds: Currently, as the law stands, you may not apply for a loan from your provident fund, but there are a few things to consider. Unfortunately, being in a financial bind these days is not uncommon. That, coupled with losing half your salary, is a recipe for tough times. Phone: (800) 554-8969. Provident Bank - New Loans. Direct Loan Center. Phone: (800) 250-1713. Provident Bank - Existing Loans. Phone: (800) 686-3756. Contact our bank in Riverside County for an exceptional personal and business banking experience! Visit a branch near you to get started today. PF Letter Format: The PF (Provident Fund) Letter Format is a standardized format used to communicate information related to an employee’s Provident Fund account to the relevant authorities. The PF scheme is a social security scheme implemented by the Government of India that aims to provide financial stability to employees during their …The Employee Provident Fund (EPF) is a long-term retirement savings scheme mandated by law for eligible employees in the formal workforce across Nepal. The EPF operates as a contributory pension scheme that aims to: Provide financial security and adequate income to employees after retirement. Enable employees to accumulate tax-free retirement ...This means that you can claim a tax deduction of up to R 66 000 (27.5% of R 240 000). You’re limited to the total of your actual contributions though, so in this case the amount of R 19 200 can be deducted from your taxable income for the year. Taxable income = R 240 000. Retirement fund deduction allowed = R 19 200.Jan 30, 2024 · About this app. Start banking wherever you are with MyProvident Mobile™ from Provident Bank. View balances and recent activity, deposit checks, schedule and pay your bills, move money, and more. Simply use your existing Provident Bank Online Banking Sign-On ID to get started. You must be an existing Provident Bank customer enrolled in Online ... 26 April 2021 – The Guide on how to complete, submit and cancel a recognition of transfer was updated with additional fields for the annuitisation of Provident and Provident preservation Funds and with the additional fields for the second transfers of public sector benefits to another approved fund. The purpose of this guide is to […]The Employees’ Provident Fund (EPF) is a compulsory savings and retirement fund for eligible employees. The Employees Provident Fund Organisation (EPFO) has fixed the interest rate at 8.15% for the financial year 2022-23. There was a hike in the EPF account interest rate by 0.05%. The interest rate for the EPF account was …ผู้ลงทุนที่ใช้บริการ K-Cyber Invest อยู่แล้ว สามารถซื้อขาย สับเปลี่ยนกองทุนได้ทันที ภายในวันและเวลาทํารายการของแต่ละกองทุน. หาก ...Apr 17, 2024 · Provident Credit Union - Checking, Savings, Mortgage, and Auto Loan. Provident will never contact you to ask for verification of your account and security information. If you are contacted by someone claiming to be a Provident employee, ignore the message or hang up immediately. If in doubt, contact Provident directly at (800) 632-4600 to confirm. Telephone Banking is FREE and easy! Just dial 800.448.7768 and you’ll be guided through the menus to the information you need to manage your account (s). To access your personal account information, you must enter your 4-digit Personal Identification Number (PIN). If you don’t have a PIN or have forgotten your PIN, contact a Customer ... Access to 55,000 Allpoint ATMs. No Foreign ATM Fee. MyProvident. MyProvident Mobile. Enjoy the convenience of personal checking from Provident Bank! Visit a local bank Riverside, Temecula, Redlands, Rancho Mirage, Moreno Valley, Hemet, and Corona.Now that you’re eligible, it’s time to initiate the process of claiming your provident fund. Contact Your Employer: Start by reaching out to your former employer. They will provide you with the necessary forms to start the claim process. Completing the Forms: Carefully fill out the forms provided by your employer.You could send a copy of the letter to the employer and the HR person. If you do not get a satisfactory answer from the provident fund within 30 days, you can complain to the Pension Funds Adjudicator (PFA), including your letter to the fund and their reply. The Adjudicator gives the provident fund 30 days to reply, and then makes a decision.Provident Bank's team of lending professionals offers Commercial Real Estate loans on multifamily and commercial real estate properties located in Southern California and the Bay Area as primary markets. We offer adjustable rate financing at competitive rates for loan amounts starting at $350,000. We provide financing for many income property ...Provident Bank offers online banking, mobile banking, loan payments, ATM access, and more. Find out about the complimentary shred event and the fraud alert at Sun City branch.To check your EPF account balance, you have to send an SMS to 7738299899. The message needs to be sent in this format: EPFOHO UAN. To receive this message in any other language other than English, the first three characters of the preferred language need to be added along with the message. The facility is available in 10 languages, with … Provident Bank offers MyProvident Mobile ® Banking, allowing you to easily perform all of your banking 24/7 from your smartphone, tablet, or computer. With this intuitive feature, you can: View balances and recent activity. Deposit Checks. Pay your bills. Move money. Make a loan payment. On a typical loan of $766,550.00, with a rate of 7.125%, and an APR of 7.596%,120 monthly payments of $5,164.39; then 240 monthly payments with a rate of 8.125% and payments of $5,569.56. Rates are subject to increase at the end of the fixed rate period, may adjust semi-annually thereafter, and are based on an index plus a margin.Where: Redlands Office, 125 E. Citrus Ave. , Redlands, CA 92373. RSVP: (909) 793-2992. Get the personal and business banking services you need in Riverside, Temecula, and beyond at Provident Bank, your independent local bank.Provident Bank provides personal and business banking services from its 90+ locations throughout New Jersey, New York & Pennsylvania.What is SSS Mandatory Provident Fund 2021? December 17, 2020 by admin. Facebook Tweet. SSS recently released the SSS Contribution Table for 2021 which will take effect on January 1. With the new table, there is also this new row for the Mandatory Provident Fund. Only individuals with a Monthly Salary Credit of Php 20,000 and above …Provident Bank ATTN: Bank Operations. Box 59998. Riverside, CA 92517-1998. or by calling us at 1 (800) 442-5201 (See our fee schedule for the related expense). You also can withdraw your consent to ongoing electronic Communications in the same manner, and ask that they be sent to you in paper or non-electronic form.Photo Tips. Make sure you have properly endorsed "Mobile Deposit Provident Bank" OR "For deposit only to Provident Bank Mobile." Ensure that you have good lighting. Place the check on a dark surface. Show all four corners of the check in the camera frame. Hold the mobile device as steady as possible to avoid blurring.Jan 30, 2024 · About this app. Start banking wherever you are with MyProvident Mobile™ from Provident Bank. View balances and recent activity, deposit checks, schedule and pay your bills, move money, and more. Simply use your existing Provident Bank Online Banking Sign-On ID to get started. You must be an existing Provident Bank customer enrolled in Online ... The backing of Provident Bank, the oldest state-chartered bank in New Jersey; FIND OUT MORE . Digital Banking. LET'S BANK! With your days so busy and life so full, you need a bank that can keep up with the lightning pace of change. At Provident, banking revolves around you. Our digital banking technology is fast, secure, and, best yet, convenient.Provident Bank's team of lending professionals offers Commercial Real Estate loans on multifamily and commercial real estate properties located in Southern California and the Bay Area as primary markets. We offer adjustable rate financing at competitive rates for loan amounts starting at $350,000. We provide financing for many income property ...Phone: (800) 554-8969. Provident Bank - New Loans. Direct Loan Center. Phone: (800) 250-1713. Provident Bank - Existing Loans. Phone: (800) 686-3756. Contact our bank in Riverside County for an exceptional personal and business banking experience! Visit a branch near you to get started today.Secure Area | © 2012 Provident Bank All Rights Reserved. Provident Bank | 3756 Central Ave., Riverside, CA 92506 | Phone: (800) 442-5201Bidvest South Africa. Retirement Funds. The Bidvest Retirement Funds provide retirement fund benefits for members employed by companies within The Bidvest Group Limited or Bid Corporation Limited. This website will help you, the member, understand how your retirement benefits are structured and how your retirement fund works. Request a Call …EPFO NEVER CALLS ANY MEMBER TO DEPOSIT ANY AMOUNT IN ANY BANK. PLEASE DO NOT RESPOND TO SUCH CALLS. Filing of nominations by members is mandatory as per para 33, 34 and 61 of EPF Scheme,1952. It is also required for filing online Death Claims (Form10-D, 20 and 5-IF). E-Nominations can be filed and updated …K-Cyber PVD Member. *กรุณาระบุรหัสผู้ใช้งาน. รหัสผู้ใช้งาน. *กรุณาระบุรหัสผ่าน. รหัสผ่าน.Activate UAN: Make sure the Universal Account Number (UAN) is active and that your KYC information is up to current with the Employees’ Provident Fund Organisation (EPFO). Log in to the EPFO Website: Login to the EPFO member portal with your UAN and password. Pick the ‘Claim’ Option: After login in, navigate to the ‘Online Services’ page …Provident Bank ATTN: Bank Operations. Box 59998. Riverside, CA 92517-1998. or by calling us at 1 (800) 442-5201 (See our fee schedule for the related expense). You also can withdraw your consent to ongoing electronic Communications in the same manner, and ask that they be sent to you in paper or non-electronic form.Manage Account Information. Update your contact information and password. Review your account balance and transaction history. Receive email or text alerts 011 about your account. Enroll in eDocuments and view account statements. View your credit score and set up monitoring alerts. Integrate with Quicken and other financial software.scbam. กองทุนสำรองเลี้ยงชีพ บริษัทหลักทรัพย์จัดการกองทุน ไทยพาณิชย์ จำกัดThe changes in the laws relating to retirement investments, which came into effect on 1 March 2021, are designed to synchronise how provident funds and pension funds are managed and used, so that they’re easier to understand and regulate. If you were 55 or older on 1 March 2021, then these changes do not apply to you, and you’ll be …EPFO NEVER CALLS ANY MEMBER TO DEPOSIT ANY AMOUNT IN ANY BANK. PLEASE DO NOT RESPOND TO SUCH CALLS. Filing of nominations by members is mandatory as per para 33, 34 and 61 of EPF Scheme,1952. It is also required for filing online Death Claims (Form10-D, 20 and 5-IF). E-Nominations can be filed and updated …Step 4: Add your accumulated EPF balance, if you are aware, along with your employer's contribution and your contribution as a percentage. Step 5: Enter 12% in the box for employee’s EPF contribution and employer’s EPF contribution. Step 6: Enter the current EPF interest rate and hit 'Calculate'. Our Healthcare Banking Firm. For over two decades, we have provided healthcare investment banking services to privately-held companies across the United States. By staying true to our core values of creating strong and lasting partnerships, Provident has emerged as one of the most respected healthcare investment banking firms in the country. Download this app to manage your Provident Bank accounts, pay bills, deposit checks, and more. Read reviews, see …Eswatini National Provident Fund [email protected] (+268) 2508 2000 TOLL FREE: 800 6002 Facebook Twitter Linkedin Instagram HOME ABOUT US Who We Are Meet The Board Management CSR PROPERTIES MEMBERS Benefits Siphephelo Funeral Cover EMPLOYERS INVESTMENTS Investment Information Investment Portfolio … LET'S BANK! With your days so busy and life so full, you need a bank that can keep up with the lightning pace of change. At Provident, banking revolves around you. Our digital banking technology is fast, secure, and, best yet, convenient. Because with all you’ve got going on, you need to be able to bank whenever, wherever—on your schedule ... Step 1: Gather The Required Information. Before initiating the process of claiming your provident fund online, you must gather all the required information. The information you need includes: Your South African ID number. Your bank account details. Your employment history and previous employer details. LET'S BANK! With your days so busy and life so full, you need a bank that can keep up with the lightning pace of change. At Provident, banking revolves around you. Our digital banking technology is fast, secure, and, best yet, convenient. Because with all you’ve got going on, you need to be able to bank whenever, wherever—on your schedule ... R114 300 + 27% of taxable income above R660 000. R990 001 and above. R203 400 + 36% of taxable income above R990 000. At retirement, individuals are entitled to R500 000 tax-free. This means that ... Savings Plus. $1,000 Minimum Opening Deposit. $12 Monthly Service Charge. $14 Monthly Service Charge w/Paper Statement. $1,000 Minimum Daily Balance to Waive Charge. Earns Interest. If You Need Assistance. Please call our Loan Service Department at: (800) 686-3756. Service Representatives are available Monday to Friday 8:00 a.m. to 5:00 p.m. P.S.T. Please have your loan number available for reference whenever you write or call us. Calls received by our Loan Service Department may be monitored for training purposes.Option 1: Withdrawing Pag-IBIG Contributions In-Person (Walk-in) Submit the requirements to a Pag-IBIG office, ideally, the branch that keeps your membership record. Your provident benefits claim will go through an evaluation. Once your application is approved, you’ll be given a claim stub for your check pickup.The Employee Provident Fund (EPF) is a long-term retirement savings scheme mandated by law for eligible employees in the formal workforce across Nepal. The EPF operates as a contributory pension scheme that aims to: Provide financial security and adequate income to employees after retirement. Enable employees to accumulate tax-free retirement ...
ผู้ลงทุนที่ใช้บริการ K-Cyber Invest อยู่แล้ว สามารถซื้อขาย สับเปลี่ยนกองทุนได้ทันที ภายในวันและเวลาทํารายการของแต่ละกองทุน. หาก .... Openai translator
Take a picture of both the front and back of the check. Make sure there is a strong wireless or data signal. Try the convenience of mobile banking with our bank in Riverside County. Enjoy the convenience of mobile services or stop by a location near you. EMPLOYEES’ PROVIDENT FUND, No.13, Sir Baron jayathilaka Mawatha, Colombo 01. The eligible members will be delivered the Password/PIN through registered post. If you have any further clarification please contact the EPF Department of the Central Bank of Sri Lanka. Online Balance Inquiry. Telephone : 011-2206636 or 011-2206640.Simply use your existing Provident Bank Online Banking Sign-On ID to get started. • Manage your accounts. • Check your balances. • View transaction history. • Manage account alerts. • Make check deposits. • Snap a photo and deposit from your mobile device. • View deposit details. • Pay Bills.A taxpayer wants to know more about withdrawing some and then transferring the rest of her provident fund value over to her new company. She writes: I have resigned from my current company. My provident fund value is currently sitting at R240 222. I would like to take some money and use it and transfer some money to the provident fund scheme of ...The FSCA can provide you with the contact details of the pension or provident fund to enable you to claim unclaimed retirement fund benefits. Visit the FSCA's Unclaimed benefits page here or use its online search. In order to claim from a fund you will need certain documents: If you are a former member: Any document that will show which pension ...Provident Financial Holdings, Inc. 3756 Central Avenue Riverside, CA 92506 (951) 686-6060. Investor Relations Contact Mr. Donavon P. Ternes [email protected]. Transfer Agent Computershare Trust Company, N. A. 250 Royall Street Canton, MA 02021 (800) 368-5948Now that you’re eligible, it’s time to initiate the process of claiming your provident fund. Contact Your Employer: Start by reaching out to your former employer. They will provide you with the necessary forms to start the claim process. Completing the Forms: Carefully fill out the forms provided by your employer. About Us. Provident Bank was founded in 1956 by Gordon A. Blunden who was Chairman and CEO for more than 30 years. His son, Craig G. Blunden was then the CEO and was with the company for more than 48 years. Upon his retirement on January 1, 2024, Donavon Ternes was appointed as President and CEO. Apr 17, 2024 · Provident Credit Union - Checking, Savings, Mortgage, and Auto Loan. Provident will never contact you to ask for verification of your account and security information. If you are contacted by someone claiming to be a Provident employee, ignore the message or hang up immediately. If in doubt, contact Provident directly at (800) 632-4600 to confirm. Call the Loan Center at Provident Bank if you are interested in applying for a home mortgage in Blythe. You will find an assortment of tools and loan programs whether you are a first-time homebuyer or are purchasing a new home. Secure Area | © 2012 Provident Bank All Rights Reserved. Provident Bank | 3756 Central Ave., Riverside, CA 92506 | Phone: (800) 442-5201The home office of Provident Bank in Riverside allows you to take advantage of the helpful, advanced solutions for managing your personal banking at this Riverside bank. Provident Bank offers MyProvident …Individuals investing in a PPF can withdraw funds from their account when it matures after 15 years from the opening of this account. One can also choose to make partial PPF withdrawal, after 6 years from account opening under certain special circumstances. The withdrawal amount is capped at 50% of the accumulated corpus in the fund at the end ...This means that you can claim a tax deduction of up to R 66 000 (27.5% of R 240 000). You’re limited to the total of your actual contributions though, so in this case the amount of R 19 200 can be deducted from your taxable income for the year. Taxable income = R 240 000. Retirement fund deduction allowed = R 19 200..