FairPlayer
JF-Expert Member
- Feb 27, 2006
- 4,145
- 733
Sielewi hii habari ya NSSF kabisa mpaka nikielezwa kama hii ni investment nzuri kwa hela za members wake! Mtu hawezi kupata compliments kwa kutumia hela za watu kutafuta sifa! Pension funds duniani kote (isipokuwa kwa nchi chache za Africa) huwa zinawajibika kwa wachangiaji wake, na sio kwa serikali i.e. kuzitumia kutekeleza ilani au order za serikali! Pity!
Hao nssf mara wemekopesha kiwira!, hao mara wamejenga soko la machinga, hao wanataka daraja la kigamboni, hao hao, magodown ya manji, haohao wamejenga nyumba zote za serikali dodoma (Area C nk), hao hao wamejenga mabweni ya UDSM mabibo, hao hao wamejenga majengo kadhaa dodoma university, nk! Hivi hii yote inareflect vipi kwenye kipato cha pensioners/members wake! Nadhani kuna haja ya kuzifanye hizi pension funds tanzania zifanye kazi kama life insurance companies ili pension iwe predetermined kama kwenye life insurance policy! Hii habari ya kuchangia hela (20% ya gross wage) bila kujua utapata nini ukistaafu (defined contribution, not defined benefit!) ni ya ajabu kabisa! KUna haja ya kufuta sheria ya pension ili watu wapeleke hela zao kwenye bima. Leo hii wastaafu wangekuwa wanajinafasi sana na pension zao kama tungekuwa na mfumo tofauti!
I hate this system and will never give a credit for anything to anyone wallowing in the pool of money - someone not seriously accountable to anyone and not being being objectively benchmarked to anyone/anything! These funds are just vehicles for theft and politics!
NHC wamefeli kabisa katika jukumu lao la kuwapatia wananchi makazi bora. Wamefeli kukusanya kodi, wamefeli kujenga makazi mapya kwa kasi inayostahili, wamefeli kutawanya ujenzi wao nje ya Dar, na sasa wamegubikwa na makashfa ya kuingia deal za ajabu na wawekezaji wa kihindi hapa Dar.
Bunge ingelivunja NHC kama shirika linalojitegemea na kuliunganisha NSSF likawa kama division ya uendelezaji makazi, ili uzoefu na efficiency ya NSSF kwenye real estate development inufaishe wananchi. Muundo huu upo Gambia, ambapo wamepunguza kwa kasi tatizo la makazi.
NHC sasa hivi ni kijiwe cha ajira za watu tu, hakina tija yeyote kwa taifa.
Nadhani mshapita pale Keko mkaona jinsi Polisi wetu wanavyoishi..wanaishi kwenye nyumba za mabati na wengine wako kwenye mahema...walio na afadhali wanaishi kwenye nyumba za namna hii
Nyumba za Polisi kabla
Hivi Polisi akiamka toka kwenye mazingira haya mnategemea atakuwa na mood gani kutwa nzima?
Wazo zuri lakini hii itabidi mpaka Act zibadilishwe unless waamue kumerge kwenye miradi fulani fulani lakini tatizo NHC wako hoi bin taaban hivyo ni too risky kufanya nao biashara...unless kuwe na Government guarantee fulani...lakini still wanawza wakawa wakorofi kama TBA na mind you NSSF investment policy yao ni ku improve and maintain a strong financial base to achieve growth rate on net assets or other wise...hiii NSSF wameweza kufanikiwa kwa sababu kwanza kama wanavyosema kwenye slogan yao kuwa WE BUILD YOUR FURTURE lakini ili kufanikiwa hilo wamekuwa wakimaintain core values zao ambazo ni Respect, Integrity, Innovativeness,Promptness, Reliability and Accountability na hili limefanikiwa kwa sababu ya vision ya CEO wao
Now compare that to CEO wa NHC au CRDB ambao mpaka leo wameshindwa kusort out kitu kidogo kama Tembo Card!
Haya yote ili kumtetea Dr Dau?
Inaelekea na wewe hujui unachokizungumza...kwa kuanza nakushauri ufanye yafuatayo:
Kasome NSSF act
kasome NSSF Corporate plan
Kasome Policies and regulations of the fund kama vile financial regulations NA Investment Policy
Kisha nenda katazame madudu wanayofanya pension funds zingine kama vile PPF,PSPF,LAPF,GEPF,ZSSF na NHIF tofauti yao na NSSF ni sawa na mbingu na ardhi
kwa maneno yako its obvious kuwa hujui ulisemalo...lakini changamoto ninayokupa ni tuletee data zifuatazo: member numbers,Contributions in terms of figures,Investment Income,Benefits payments,Total Assets,Total Investments na Net Assets..kisha uje tuoanishe na NSSF hapo ndipo utajua kuwa kama huna CEO mwenye vision kama Dr Dau then the whole corporation itakuwa kichekesho tuuu mfano mzuri ni TRA ambao mpaka leo wanashindwa kukusanya mapato kama inavyotakiwa na wameshindwa kuwa bold enough kuwa at par na watu wanao evade Tax kisa? Kitilya kahemewa kule
Ninachokisema nakijua - sihitaji approval yako. Act na investment policies za NSSF na pension funds zingine nimesoma isipokuwa ya GEPF ambayo siyo relevant sana hapa kwa sababu ya nature ya obejectives na assets zake. Hata hivyo investment policy ya NSSF is so simplistic - haiko specific kwenye asset allocation - inatoa myanya mingi sana ya kuabuse matumizi ya hela!
Ugovi wangu uko kwenye social security system ya nchi - sio madudu ya Dau! Unachotakiwa ni kuonyesha performance ya NSSF - anagalau kwa kuangalia investments performance zake na satisfaction ya members wake na wala sio picha ya manjengo - ambayo mengi wanayajenga kwa inflated costs! NSSF hawapo kwa ajili ya kumjengea nyumba kila mtu - wapo kwa ajili ya kuserve interest za members wake! PPF are far better katika investment - PSPF nao wana matatizo kama ya NSSF - kuinvest blindly! Management za pension funds zinatakiwa ziwe answerable kwa members ndio utajua kama huyo jamaa yako kama kwa kuzamisha hela kwenye real estate za serikali na kutoa mikopo kwa akina manji, kagera sugar, kiwira nk ange wa-amuse wenye hela!
PPF wamejenga majengo mengi sana 8(mwanza, arusha na Dar) tena very prime properties ambazo zinaingiza income sana! Na ukilinganisha assets na contributions za NSSF na PPF utashangaa kwa nini uwalinganishe! Pamoja na kublame system bado nina reservation (bifu) sana na jinsi NSSF wanavyo abuse hela za watu! Poor Tanzanians - mtalishwa ugali kwa mboga ya picha ya samaki mpaka lini! Unadhani pensioners wakiona hizo nyumba wanacheka!
naona unaleta blah blah nyingi tuu nimekwambia lete data ili tujadiliane kwa data lakini naona unaendelea kuandika riwaya
hii yote kwa sababu ya Dr Masau? Get over it
Sielewi hii habari ya NSSF kabisa mpaka nikielezwa kama hii ni investment nzuri kwa hela za members wake! Mtu hawezi kupata compliments kwa kutumia hela za watu kutafuta sifa! Pension funds duniani kote (isipokuwa kwa nchi chache za Africa) huwa zinawajibika kwa wachangiaji wake, na sio kwa serikali i.e. kuzitumia kutekeleza ilani au order za serikali! Pity!
Hao nssf mara wemekopesha kiwira!, hao mara wamejenga soko la machinga, hao wanataka daraja la kigamboni, hao hao, magodown ya manji, haohao wamejenga nyumba zote za serikali dodoma (Area C nk), hao hao wamejenga mabweni ya UDSM mabibo, hao hao wamejenga majengo kadhaa dodoma university, nk! Hivi hii yote inareflect vipi kwenye kipato cha pensioners/members wake! Nadhani kuna haja ya kuzifanye hizi pension funds tanzania zifanye kazi kama life insurance companies ili pension iwe predetermined kama kwenye life insurance policy! Hii habari ya kuchangia hela (20% ya gross wage) bila kujua utapata nini ukistaafu (defined contribution, not defined benefit!) ni ya ajabu kabisa! KUna haja ya kufuta sheria ya pension ili watu wapeleke hela zao kwenye bima. Leo hii wastaafu wangekuwa wanajinafasi sana na pension zao kama tungekuwa na mfumo tofauti!
I hate this system and will never give a credit for anything to anyone wallowing in the pool of money - someone not seriously accountable to anyone and not being being objectively benchmarked to anyone/anything! These funds are just vehicles for theft and politics!
Mkuu;
Kwani nyumba za keko si zilikuwa mpya hapo mwanzo.
Nyumba lazima kuiangalia leo inatatizo gani una repair sio kujenga unaiacha miaka kibao bila matengezo mkuu.
Hata hizi mpya mda si mrefu zitakuwa kama za keko tuuuu.
jibu: hii sio investment nzuri kwa member wake
NSSF investment facts
48% govt bonds (hapa ndio utaona majengo kama udom, polisi, PCCB na miradi mingineyo ya serikali)
18% properties( hapa utakutana na vitu kama ubungo plaza, quality ambayo ukusanyaji wake wa rent ni tata na majengo mengi)
govt bonds zinajulikana duniani kote kama ni safe kwa hiyo interest yake ni ndogo sana..... na kama interest ni ndogo pia returns zake ni ndogo pia, na kwa ajili return ni ndogo kwa hiyo pengo la pension linajengeka ndani ya nssf (kwa lugha ya kigeni "pension black hole"), na mjenzi wa hili pengo si mwingine bali ni dr dau...
kama dr dau ame invest nusu ya nssf kwenye govt bonds hii ni dhairi kwamba nssf haiko diversified, serikali ya TZ ikikumbwa na misukosuko na ku default on payments kampuni ya kwanza ku bust itakuwa NSSF
wataalamu wanasema america lives on china credit card, china wameivest savings zao nyingi kwenye american bonds, lakini american bonds ni safest bonds in the world, pamoja na mtikisiko wa uchumi america haja default bonds zao, ukae ukijua TZ sio marekani wao wata default tuuu......
kwa kifupi juu ya NSSF, bonds na serikali (udom, polisi na mengineyo ni mikakati ya serikali, NSSF ni credit provider na watu wanaolipia interest ya hiyo credit ni walipa kodi wa TZ)
mambo yakifanywa na america kwa kupitia mauzo ya bonds zao kwa china huwezi kusema china ndio wamefanya unasema marekani
na mambo yakifanya na TZ kwa kupitia mauzo ya bonds zao kwa NSSF, crdb, nmb huwezi kusema NSSF ndio wamefanya unasema serikali ndio imefanya.....
wakati umefika NSSF kukopesha wanachama wake ambao wanahela zao pale na hizo hela zitumike kama security
Semilong!
Nakushukuru kwa kuwapa elimu hawa akina GT who are easly convinced na nimemwambia kama yuko kwenye pay roll ya Dr. Dau fine!! Serikali kwenda kukopa pesa za wafanyakazi na poor management ya mafuko zinakwenda sambamba. Of course kule UDOM na kadhalika with proper management wanaweza kujilipa kwa muda wa matarajio lakini kwa Police it could be a national debt!!! You are right ugomvi wetu ni kwamba waliochangia pesa zao NSSF hawafaidi period. GT tuambie je mafao ya watu wa NSSF YANAZINGATIA kuporomoka kwa TSHS na uchumi? Wastaafu wana kinga ipi mafuta yanapopanda kila siku mind you those are senior Citizens hata kama alikuwa korokoroni they deserve our protection na kuenziwa!!Jibu ni hapana!! Kama mafao yao i.e. Pension zao zingekuwa based kwenye USD au hata Chinese money which has maintained stability during the financial crunch hapo GT could take me for a ride otherwise abakie na wajinga wenzake kumsifia DR. Dau na mawakala wake!!!
JMK aka Matonya hawezi kuendelea na usanii wa kuzindiua majengo ya Takukuru bila kuangalia mafao ya wastaafu. You know hofu ya maisha baada ya kustaafu ni one of the big reasons of grand corruption kama hilo halijaingia kichwani kwake aandike maumivu because hata hao anti corruption nao watakuwa corrupted kama aliovyo EDWARD HOSEA who is verry corrupt kwani hakumbuku alivyosema kwamba hapakuwepo na harufu ya Rushwa Richmond na bado ameshindwa kumpiga chini wacheni usanii!!! Yaliyoendelea ni sawa na usiku na mchana you don't need data GT!!!