| Welcome: Nompu Siziba – Moneyweb Market Watcher: Nesan Nair – Portfolio manager, Sasfin Securities Spotting a crypto scam: Ciaran Ryan – Moneyweb journalist CoJ prepaid customers in for tariff surprise: Ronald Chauke – portfolio manager for energy, OUTA Secondary home buyers increased by 49% in 2020 – FNB: Hayden Giger – growth head, FNB Private Bank Lending The importance of re-evaluating an investment: Jaco van Tonder – director of Advisory Services, Ninety One Nearly 50% of estate agents fell short in 2020 – Lightstone survey: Esteani Marx – head of Real Estate, Lightstone Property | 