Ngigana
JF-Expert Member
- Apr 16, 2010
- 2,106
- 1,443
Ndiyo. Unaweza kulipa kidogokidogo. Kuna account inafunguliwa hata kwa sh 50000. Unaweza kuwa unawekeza hata kwa njia ya mitandao ya simu
Ndiyo. Unaweza kulipa kidogokidogo. Kuna account inafunguliwa hata kwa sh 50000. Unaweza kuwa unawekeza hata kwa njia ya mitandao ya simuMkuu UTT unaweza kuwa unawekeza kidogo kidogo??
Na usikutane na mpangaji mchafu. Kila akiondoka unatumia gharama kubwa kukarabati nyumba. Pesa alizokulipa akiwa mpangaji almost zote unakuta umekarabati nyumba. Nyumba siyo reliable pia. Cha maana usiweke mayai yote kwenye kapu mojaHivi mfano umejenga nyumba ya ml 170 unaweza ukatoza Kodi kiasi gani kwa mwezi,na je utakua unafanya repair kiasi kila mwaka?
So, kwa iyo bonds sio investment nzuri kiviile?Naomba niongelee hapa sio kuwa naku attack Bali naongelea iyo Hali ya ubongo kila mtu anayo Ila inatakiwa ujue why una feel ivyo.
Yaani hao wamesoma economic behavioural,wanajua how human being do we behave financially or when money comes in line as Engineer understands how the materials like iron,concrete , asphalt and soil behave when subjected into heat,snow,rain or conditions that may affect them functionality.
The same hao jamaa wamesoma how to play with your limbic brain /emotions minds. Najua huwezi nielewa kwa normal brain Ila you need another eye to see into what am talking.
Sasa hapo wanacheza na your limbic brain especially amygdala ambayo Ina bypass information into thinking brain so unakuwa unaamuwa emotionally na usikute unawekewa na mwanamke hapo bonge la kifaa mazafaka sketi iko juu ya goti na paja jeupe lazima udindidindiii, titi Ilo limekubali even hata Plastic surgery liko saa sita na akaku hug ama mkakaa naye kwa sofa la watu wawili Mara hapo Kuna tv Ina movie ama nyimbo matata laini hata Celine Dion. Mtt ananunua perfume anaonekana Kama anajikomba kwako ili akufahamu anakujaza hapo kuwa unaonekana kuwa wewe Ni hard worker let say Johnson,una kazi nzuri anakuwa anakusifiasifia na kukushika bega smt.
Sasa wakisha trigger emotion fulani ndani ya ubongo wako ambayo Ni kutokana bodychemistry ambayo inakufanya unakuwa na rah,furaha mno ,unajisikia kuwa wewe ndiye kidume umependwa umeshobokewa na mtt mkali na kishakuomba namba ama amekuomba business kadi.
Iyo chemical inaitwa dopamine ambayo inakufanya una feel euphoria yaani kuwa euphoria Ni kuwa juu ya dunia ,you can walk on the water, you're better than any human being.
So iyo euphoria inafanya kazi yake inachochea na wewe unakuwa na ego Tena Ile ya kujiona kidume kuwa umeyawezea maisha u mjanja na mwerevu kuliko Elon Musk ama adani Kama sio Jeff Benzos.
Sasa ukishakamatwa na hizo two human emotions huchomoki nakuapia niga. Utashangaa umepewa interests ndogo mno even ya 4-8% per year. Unawapa hizo 500M kiulaini na huku ukapewa viji incentives fulani like crdb/nmb hat,tisheti,begi,kalamu,kikombe,n.k huku na maneno kedekede just to feed your ego those words are fodders to filll your bank accounts of your ego and euphoria yako lakini huku wao waki fill their bank accounts za hela wewe una fill bank account of your emotions ndugu. Hili Ni kweli tupu.
Sasa si umewapa hela kwa kukufanya uwe kidume na mtt mkali anapiga marashi ambayo Ana Oda uk direct yanakuja na flight yaani utadhani yametoka kuzimu na umekaa room iliyo na ac na air fresh yenye harufu nzuri kwa ajili ya ku trigger your stressors/organs sensory zako.
Baadaye wanapata lijamaa moja wanalitembelea lenye assets na cash flow ya Mana na huyo huyo mdada Tena wanaweza wakamfuata na v8 wakamshawishi Kuna 500M jaza fomu uchukue hela tupatie 15- 20% interest kwa mwaka.
Sasa cheki wenzako waliosoma unadhani walienda kuuza sura chuo na kuwaza deodorant
We we unapewa 5/100 times 500M kwa mwaka unakitu like 25M tow 10% withholding tax bet yako Ni 22.5M ukigawa kila mwezi almost wanakuwa wanakupa kitu Kama 22.5/12 =1.875M.
Wao net yao Sasa kwa aliyekopeshwa tuje 15/100 times 500M wanayo 75M wakitoa ya kwako 25 wanabakia na 50M. Kwa miaka mitano wanayo 250M almost half bilioni huku wewe unayo 125M.
Sasa cheki ilo gepu kwa ujinga wako wa kupewa chai or tangawizi ya asali na keki ama na biscuits za asa mour. Gharama zake wewe umepoteza nyingi wao wanapata nyingi.
Financial literacy imefichwa kwa wachache mno.
Elewa Kuna automatic maneuvering among ourselves,bear in your mind people eats people always. We're no any different from how predator kills and eats prey. So where are you in financial chain are you prey or predator. Kuwa predator you've to be strong both mind, mental and brain.
Naomba mno nipate billions of dollars niajiri watu yaani Basi tu wafanyakazi wangu watakuwa wananifurahia wanagkmbania Kuja kufanya kazi kwangu.
Mana I know what people need.
So usijione kuwa u mjanja ama Ni Raha kumbe Ni vice versa. Wao wanapeleka watt wao uk Sydney Madrid Paris kusoma wa kwako unapeleka kwa mtoghole tandika wanaishia udsm unajiona u kidume.
So, kwa iyo bonds sio investment nzuri kiviile?
Pili ili nipate tshs 500,000 monthly nitahitaji niwe na mtaji kiasi gani?(kote bot na utt)Naomba niongelee hapa sio kuwa naku attack Bali naongelea iyo Hali ya ubongo kila mtu anayo Ila inatakiwa ujue why una feel ivyo.
Yaani hao wamesoma economic behavioural,wanajua how human being do we behave financially or when money comes in line as Engineer understands how the materials like iron,concrete , asphalt and soil behave when subjected into heat,snow,rain or conditions that may affect them functionality.
The same hao jamaa wamesoma how to play with your limbic brain /emotions minds. Najua huwezi nielewa kwa normal brain Ila you need another eye to see into what am talking.
Sasa hapo wanacheza na your limbic brain especially amygdala ambayo Ina bypass information into thinking brain so unakuwa unaamuwa emotionally na usikute unawekewa na mwanamke hapo bonge la kifaa mazafaka sketi iko juu ya goti na paja jeupe lazima udindidindiii, titi Ilo limekubali even hata Plastic surgery liko saa sita na akaku hug ama mkakaa naye kwa sofa la watu wawili Mara hapo Kuna tv Ina movie ama nyimbo matata laini hata Celine Dion. Mtt ananunua perfume anaonekana Kama anajikomba kwako ili akufahamu anakujaza hapo kuwa unaonekana kuwa wewe Ni hard worker let say Johnson,una kazi nzuri anakuwa anakusifiasifia na kukushika bega smt.
Sasa wakisha trigger emotion fulani ndani ya ubongo wako ambayo Ni kutokana bodychemistry ambayo inakufanya unakuwa na rah,furaha mno ,unajisikia kuwa wewe ndiye kidume umependwa umeshobokewa na mtt mkali na kishakuomba namba ama amekuomba business kadi.
Iyo chemical inaitwa dopamine ambayo inakufanya una feel euphoria yaani kuwa euphoria Ni kuwa juu ya dunia ,you can walk on the water, you're better than any human being.
So iyo euphoria inafanya kazi yake inachochea na wewe unakuwa na ego Tena Ile ya kujiona kidume kuwa umeyawezea maisha u mjanja na mwerevu kuliko Elon Musk ama adani Kama sio Jeff Benzos.
Sasa ukishakamatwa na hizo two human emotions huchomoki nakuapia niga. Utashangaa umepewa interests ndogo mno even ya 4-8% per year. Unawapa hizo 500M kiulaini na huku ukapewa viji incentives fulani like crdb/nmb hat,tisheti,begi,kalamu,kikombe,n.k huku na maneno kedekede just to feed your ego those words are fodders to filll your bank accounts of your ego and euphoria yako lakini huku wao waki fill their bank accounts za hela wewe una fill bank account of your emotions ndugu. Hili Ni kweli tupu.
Sasa si umewapa hela kwa kukufanya uwe kidume na mtt mkali anapiga marashi ambayo Ana Oda uk direct yanakuja na flight yaani utadhani yametoka kuzimu na umekaa room iliyo na ac na air fresh yenye harufu nzuri kwa ajili ya ku trigger your stressors/organs sensory zako.
Baadaye wanapata lijamaa moja wanalitembelea lenye assets na cash flow ya Mana na huyo huyo mdada Tena wanaweza wakamfuata na v8 wakamshawishi Kuna 500M jaza fomu uchukue hela tupatie 15- 20% interest kwa mwaka.
Sasa cheki wenzako waliosoma unadhani walienda kuuza sura chuo na kuwaza deodorant
We we unapewa 5/100 times 500M kwa mwaka unakitu like 25M tow 10% withholding tax bet yako Ni 22.5M ukigawa kila mwezi almost wanakuwa wanakupa kitu Kama 22.5/12 =1.875M.
Wao net yao Sasa kwa aliyekopeshwa tuje 15/100 times 500M wanayo 75M wakitoa ya kwako 25 wanabakia na 50M. Kwa miaka mitano wanayo 250M almost half bilioni huku wewe unayo 125M.
Sasa cheki ilo gepu kwa ujinga wako wa kupewa chai or tangawizi ya asali na keki ama na biscuits za asa mour. Gharama zake wewe umepoteza nyingi wao wanapata nyingi.
Financial literacy imefichwa kwa wachache mno.
Elewa Kuna automatic maneuvering among ourselves,bear in your mind people eats people always. We're no any different from how predator kills and eats prey. So where are you in financial chain are you prey or predator. Kuwa predator you've to be strong both mind, mental and brain.
Naomba mno nipate billions of dollars niajiri watu yaani Basi tu wafanyakazi wangu watakuwa wananifurahia wanagkmbania Kuja kufanya kazi kwangu.
Mana I know what people need.
So usijione kuwa u mjanja ama Ni Raha kumbe Ni vice versa. Wao wanapeleka watt wao uk Sydney Madrid Paris kusoma wa kwako unapeleka kwa mtoghole tandika wanaishia udsm unajiona u kidume.
60mil kwa bot na 60mil kwa utt.jumla kuu 120milPili ili nipate tshs 500,000 monthly nitahitaji niwe na mtaji kiasi gani?(kote bot na utt)
Ipi ni better bonds za bot au za utt?
Thanks
Pili ili nipate tshs 500,000 monthly nitahitaji niwe na mtaji kiasi gani?(kote bot na utt)
Ipi ni better bonds za bot au za utt?
Thanks
60mil kwa bot na 60mil kwa utt.jumla kuu 120mil
Mzee baba umetisha sana..kwa muda wako dondosha andiko huku tuongeze maarifaFALSAFA ZA OLIGARCHY:
MY 2 CENTS:
Kiufupi, Nipo kwenye uwekezaji zaidi ya miaka Kumi,
Wakuu nimesoma comments nyingi sana, mara real estate mara UTT mara Hatifungani, Concept ni nyingi lakini naomba nitoe njia yangu iliyonipa mafanikio kwa kiwango cha compounding.
Tujikumbushe:
Tajiri wa kwanza duniani Elon Musk, ni co founder wa makampuni mengi makubwa duniani including TESLA, SPPACE X, The Boring company. Pamoja na Utajiri wake wote Huu Hisa zake asilimia 50% zimekuwa PLEDGED kama COLLATERAL ya LOAN.
MO DEWJI KUNUNUA HISA ZA SIMBA
Mwaka 2016 Mo dewji aliwasilisha pendekezo lake la kwanza kuinunua simba, Fuatilia uzi Huu BILIONEA MO DEWJI AWASILISHA RASMI BARUA YA KUINUNUA KLABU YA SIMBA | Rundugai Blog , Lakini zoezi la kuilipa simba halikufanyika.
Tukiangalia Hapo chini , tunaona cheki imelipwa kwenda Kwa Simba sports club Endowment Fund.
Dhumuni la hii sio kuongelea simba bali ni kuwafundisha Financial Decision making na Utofauti kati ya Watu wenye fedha na watu wasio na elimu ya fedha.
View attachment 2364472
MY 2 CENTS:
Financial Assets classes zinazotoa yield PIA zinatumika kuhedge maamuzi ya biashara yanayofanYika , Elon musk alitaka kuimiliki twitter, ili kufanya maamuzi yake kwenye playbook ile ilibidi akope kupitia hisa za kampuni anazomiliki ili anunue Twitter (Musk says he has secured $46.5 bln in funding for Twitter bid) . Hii inaonesha hajatumia pesa yake kumiliki kampuni ya twitter kwa term nyingine tunasema amemiliki Twitter kupitia Other peoples Money (OPM). Funzo: Ukitaka kununua vitu itengenezee asset Hisa au Hatifungani ambayo itakuwa kama Backup yake
Mfano:
Nina Tsh 200,000,000 nataka ninunue Gari/Nyumba ya kuishi (Liability) ya Millioni 100, Way forward is Buy a Treasury Bond then ikopee utapigwa haircut 70% roughtly 140M lakini wewe chukua 100M nunua unachotaka kufanya may be a car (liability) au nyumba then Mkopo uliochukuliwa utajilipa na Coupon za hatifungani, after 6-8 years utakuwa na vyote Gari/Nyumba uliyonunua Plus Bond ya 200M plus Coupon ya kila semi annual
Insteas ya ungenunua kile kitu then value ingepotea.
Je unadhani Mo dewji alishindwa kulipa Mil 200 cash kuinunua simba? Hapana sio kweli kwenye ulimwengu wa kifedha kama angetoa pesa ile cash ni upuuzi wa hali ya juu. from 2016-2021 ni 5 years, kama angewekeza hzo hela kwenye Hatifungani maana yake angepata coupon za Estimated 80% value (15.95% estimates x5) so kuweka hyo hela kwenye asset classes ingemaanisha ameipata simba + ameretain value ya hela yake.
Maana ya Endowment Fund:
Huu ni mfuko wa uwekezaji ambao unasimamiwa na fund manager, hela zinawekwa halafu wanainvest kwenye both Traditional na Altenative Investments. Kwenye kila returns za kila mwaka ,kuna kuwa na withdrawal policy ila nyingi hela zinakuwa utilized nyingine zinarudishwa mfano:
Bil 20 za dewji wakanunua 25 years Bond 12.56% per annum maana yake kila mwaka watapata coupon za (12.56%*20) =2.5 Billion , ambapo 1 billion anaweza akairudisha kuinvest , so next year mfuko utakuwa na 21B instead of 20 halafu 1.5B ikatumika kwa kazi nyignine za simba.
Tafakari why endowment Fund? if you buy a share where does the money Go. (discussion for another time)
View attachment 2364497
So Quick Killer points:
1. Kuna utofauti baina ya uwekezaji na Biashara, msichanganjye hizi mambo
2. Ukiwa na mtaji unaweza ukauwekeza ili kuulinda halafu ukaukopea baada ya hapo ndo ukafanya Biashara unayoitaka, Jiwe moja ndege mia
JIULIZE HALAFU FANYA MAAMUZI:
Una Milioni 200 ni bora ujenge nyumba ya kupangisha hela yote then kazi iishe? kumbuka return ya real estate kwa mwaka ni Single Digit
au
Kuwa Mjanja , chukua Milioni 200 Nunua Bond ikopee pata 140M , Jenga nyumba ya 140M pangisha
Mapato ya kupangisha mengine rudisha kununua bond,afetr 8 years Rudia njia ile ile. (Exponential Growth ndo kila kitu)
Soma: THE RICHEST MAN IN BABYLON , POOR DAD RICH DAD,
Jifunze: Utofauti wa asset na liabilities, Kusoma na kutengeneza Financial Statement (Personal).
NTASHUSHA ANDIKO SOON : THE BANK & OPM STRATEGIES (OTHER PEOPLES MONIEEEEEE)
- Kama makampuni yana Financial statement pia katika individual lvel lazima uwe na financial statement na Auditor wako ni mke wako 😉😉😉😉
-kama kwenye financial world watu wanahedge Liability, at individual level pia u can hedge your liabilities (Eti nyumba ya kuishi ni Liability au asset? Na nyumba ya kupangisha je ? liability au asset?🙄🙄🙄
- Interest Rate Arbitrage * Ngoma hapa ntaongelea namna ya kupiga hesabu zilizomfanya simba kuwa Mfalme wa pori na kumwacha mdomo wazi Tembo mwenye mwili mkubwa! eti ukienda mbuga za wanyama unataka umwone Simba au Tembo?
- OPM vs Geo investment Opportunities- Vuka border hujazaliwa Tanzania umezaliwa duniani
Nimeongea Kimafumbo vitu vingine ila natumaini umepata kauelewa kidogo.
OLIGARCHY, CFA
(Tanzania hatufiki 10 Accredited CFA Holders) "Nina uhaya ndani yangu, relax kabla hamjaanza kunipiga nyundo"
SureMzee baba umetisha sana..kwa muda wako dondosha andiko huku tuongeze maarifa
😂😂😂🙌🙌Naomba niongelee hapa sio kuwa naku attack Bali naongelea iyo Hali ya ubongo kila mtu anayo Ila inatakiwa ujue why una feel ivyo.
Yaani hao wamesoma economic behavioural,wanajua how human being do we behave financially or when money comes in line as Engineer understands how the materials like iron,concrete , asphalt and soil behave when subjected into heat,snow,rain or conditions that may affect them functionality.
The same hao jamaa wamesoma how to play with your limbic brain /emotions minds. Najua huwezi nielewa kwa normal brain Ila you need another eye to see into what am talking.
Sasa hapo wanacheza na your limbic brain especially amygdala ambayo Ina bypass information into thinking brain so unakuwa unaamuwa emotionally na usikute unawekewa na mwanamke hapo bonge la kifaa mazafaka sketi iko juu ya goti na paja jeupe lazima udindidindiii, titi Ilo limekubali even hata Plastic surgery liko saa sita na akaku hug ama mkakaa naye kwa sofa la watu wawili Mara hapo Kuna tv Ina movie ama nyimbo matata laini hata Celine Dion. Mtt ananunua perfume anaonekana Kama anajikomba kwako ili akufahamu anakujaza hapo kuwa unaonekana kuwa wewe Ni hard worker let say Johnson,una kazi nzuri anakuwa anakusifiasifia na kukushika bega smt.
Sasa wakisha trigger emotion fulani ndani ya ubongo wako ambayo Ni kutokana bodychemistry ambayo inakufanya unakuwa na rah,furaha mno ,unajisikia kuwa wewe ndiye kidume umependwa umeshobokewa na mtt mkali na kishakuomba namba ama amekuomba business kadi.
Iyo chemical inaitwa dopamine ambayo inakufanya una feel euphoria yaani kuwa euphoria Ni kuwa juu ya dunia ,you can walk on the water, you're better than any human being.
So iyo euphoria inafanya kazi yake inachochea na wewe unakuwa na ego Tena Ile ya kujiona kidume kuwa umeyawezea maisha u mjanja na mwerevu kuliko Elon Musk ama adani Kama sio Jeff Benzos.
Sasa ukishakamatwa na hizo two human emotions huchomoki nakuapia niga. Utashangaa umepewa interests ndogo mno even ya 4-8% per year. Unawapa hizo 500M kiulaini na huku ukapewa viji incentives fulani like crdb/nmb hat,tisheti,begi,kalamu,kikombe,n.k huku na maneno kedekede just to feed your ego those words are fodders to filll your bank accounts of your ego and euphoria yako lakini huku wao waki fill their bank accounts za hela wewe una fill bank account of your emotions ndugu. Hili Ni kweli tupu.
Sasa si umewapa hela kwa kukufanya uwe kidume na mtt mkali anapiga marashi ambayo Ana Oda uk direct yanakuja na flight yaani utadhani yametoka kuzimu na umekaa room iliyo na ac na air fresh yenye harufu nzuri kwa ajili ya ku trigger your stressors/organs sensory zako.
Baadaye wanapata lijamaa moja wanalitembelea lenye assets na cash flow ya Mana na huyo huyo mdada Tena wanaweza wakamfuata na v8 wakamshawishi Kuna 500M jaza fomu uchukue hela tupatie 15- 20% interest kwa mwaka.
Sasa cheki wenzako waliosoma unadhani walienda kuuza sura chuo na kuwaza deodorant
We we unapewa 5/100 times 500M kwa mwaka unakitu like 25M tow 10% withholding tax bet yako Ni 22.5M ukigawa kila mwezi almost wanakuwa wanakupa kitu Kama 22.5/12 =1.875M.
Wao net yao Sasa kwa aliyekopeshwa tuje 15/100 times 500M wanayo 75M wakitoa ya kwako 25 wanabakia na 50M. Kwa miaka mitano wanayo 250M almost half bilioni huku wewe unayo 125M.
Sasa cheki ilo gepu kwa ujinga wako wa kupewa chai or tangawizi ya asali na keki ama na biscuits za asa mour. Gharama zake wewe umepoteza nyingi wao wanapata nyingi.
Financial literacy imefichwa kwa wachache mno.
Elewa Kuna automatic maneuvering among ourselves,bear in your mind people eats people always. We're no any different from how predator kills and eats prey. So where are you in financial chain are you prey or predator. Kuwa predator you've to be strong both mind, mental and brain.
Naomba mno nipate billions of dollars niajiri watu yaani Basi tu wafanyakazi wangu watakuwa wananifurahia wanagkmbania Kuja kufanya kazi kwangu.
Mana I know what people need.
So usijione kuwa u mjanja ama Ni Raha kumbe Ni vice versa. Wao wanapeleka watt wao uk Sydney Madrid Paris kusoma wa kwako unapeleka kwa mtoghole tandika wanaishia udsm unajiona u kidume.
✍️Kila kitu kinachoshikwa na serikali kinageuka kuwa kodi! Invest katika vitu ambavyo serikali havina mkono navyo...invest kwenye mifugo, majumba ,viwanja,biashara n.k ila usiweke pesa yako ktk fixed deposit au ktk govt treasury bonds...unawekezaje sehemu ambayo pato lako bado linakwenda kukatwa kodi na kumbuka kila pesa inavyokaa benki ndivyo inapoteza uthamani wake.
I can call you mr.contentMkuu we ni PM haina tatizo, Lakini ukianza kuongelea kuhusu mikopo ya Multi currency , hapo ni kuna changamoto na kunarisk mbalimbali za kuhedge mfano tu exchange rate rISK maana yake lazima uicover na forward contract. close look to impact ya kenya airways due to hedging failure A close look at the role of fuel hedging in Kenya Airways’ Sh26bn loss.
So nisiweke mambo mengi, what i wanted to say is "in a nut shell" wewe ni muajiriwa? upo kwenye vicoba? saccos? if theres a way u can get a loan/mkopo wa single digit interest mfano wafanyakazi wa mabenki wanakopeshwa hadi 5%, Saccos nyingine zinatoa 4 times amount uliyoweka plus 7% interest. unachofanya unaangalia tofauti kati ya TBond ya 25 years na Mkopo rate unayopewa , for example TBond 12.56 vs Saccos 7% difference 5,56% , so take the biggest amount utakayoweza kupata hata 1 Billion baba then nunua bond the interest + principal bond itajilipa bila wewe kufanya kitu baada ya miaka michache we ni mbuzi choma kwenye viti virefu.
Bond za kununua ni 20 na 25 Years tu ! PERIOD
So hakuna kununua bond zaidi ya hizo kama wewe ni retail, kumbuka LIQUIDITY ndo mpango mzima
Rejea: Buying 25 years Bond haimaaniishi ukae nayo miaka 25 unaweza nunua leo ukauza kesho... sasa kama ndo hyo why are u buying 10Y Tbond? Seriously....
milioni 7 to milioni 100 per annum bilashaka usawa huu labda unauza unga😀😀The same to me .sijui kwanini watu wanakuwa waogo .mimi i love adventures
Naupenda sana ujasiriamali hata nikifeli nainjoi the lessons ambazo nimejifunza .Nashangaa sana mtu anayetafuta security.
Kitu ninachojifunza vijana tujifunze kutake risk wakati tukiwa bado wadogo ili tuwe guru kwenye biashara uzeeni.
Ukizoea ku take risk inafika point ambayo hakuna kitu kinakutisha kwenye biashara kwa sababu unajua hata nikianguka nitainuka tena.
Kama mwaka nimepiga Tsh mil 100+ kutoka kwenye mtaji wa mil 7 na Mwakani natarajia kukunja mil 200+.
Ndo mtu aniambie niwekeze kwenye bond[emoji16][emoji16][emoji16][emoji16][emoji16].
“Uoga wako wakupoteza ,utakukosesha hela nyingi sana”-Fred Vunjabei
600mlUkiweka utt million 50 Kwa miaka 20 utavuna bei gani
Mfuko gani chief?.600ml
Kwa njia ya mtandao wa simu sishauri mtu atumie njia hii kwa sababu ina makato, Mfano ukideposit 50000 sio chini ya 1000 service charge, hapo hapo kumbuka huko UTT mpaka hiyo 50000 ulioweka ije kuzalisha 1000 ni mziki kweli kweli inaweza ikachukua hata zaidi ya mwezi ,so wakatI wakufanya deposit kwenye account zako za UTT ni bora kutumia njia Bank kupitia account zako za Bank NMB au CRDB kwa simu banking kupitia menu au app hii njia haina makato kabisa especially ukitumia App na ni rahisi sanaNdiyo. Unaweza kulipa kidogokidogo. Kuna account inafunguliwa hata kwa sh 50000. Unaweza kuwa unawekeza hata kwa njia ya mitandao ya simu
Habari za wakati huu wapambanaji na msio wapambanaji. Naomba mwenye uelewa zaidi anisaidie katika hili hasa kupitia hii mifuko ya uwekezaji wa pamoja.
Ni kupitia mfuko gani wa UTT nitaweza kupata shilingi milioni 2 kila mwezi na kwa mtaji kiasi gani. Pia niliwahi kusikia unaweza kukopa bank kwa kupitia malipo haya ya kila mwezi.
Msaada wapambanaji
AsanteKwa njia ya mtandao wa simu sishauri mtu atumie njia hii kwa sababu ina makato, Mfano ukideposit 50000 sio chini ya 1000 service charge, hapo hapo kumbuka huko UTT mpaka hiyo 50000 ulioweka ije kuzalisha 1000 ni mziki kweli kweli inaweza ikachukua hata zaidi ya mwezi ,so wakatI wakufanya deposit kwenye account zako za UTT ni bora kutumia njia Bank kupitia account zako za Bank NMB au CRDB kwa simu banking kupitia menu au app hii njia haina makato kabisa especially ukitumia App na ni rahisi sana
Kumbuka UTT ina faida kwa malengo ya muda mrefu kuanzia 5 years kuendelea
Ukiweka utt million 50 Kwa miaka 20 utavuna bei gani
Vipi kuhusu repair and maintenance?Samahani .hizo ni biashara kichaa
Inafanana na fixed account
Mara 100 hata ukajenga lodge au nyumba za kupanga