which experts claim, By the way is the time given to the people who generally arrive 4 hours late. Not everyone can arrive late though because the host is not able to light the braai by himself. This can only happen one beer as soon as first guest arrives, This is so that you do not have to pay private mortgage insurance. It will also leave you a margin of money in case you ever require to move. If you leave no equity at all in your residence, It may become next to impossible to sell it and you will be left with no money }