Kupitia UTT, Ninahitaji milioni 2 kila mwezi

Kupitia UTT, Ninahitaji milioni 2 kila mwezi

Kwanza ukiingia bank wanakupa na chai na cake. Kuwa na hela raha sana
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.
 
Mkuu sina hakika kama unazifahamu vizuri hizi bond fund?
Invest pesa yako katka tangible things. Hakuna watu waliotajirika kupitia hiyo mifuko. Yaani umpe mtu 200 M aizungushe mwaka mzima halafu aje akupe 20-18 M ?? Huu ni ukichaa wa kiwango cha SGR.

Nunua residential property ikarabati halafu uza kwa thamani kubwa, nunua viwanja halafu uza kwa thamani kubwa ...unaweza hata ukavitumia kukopea mikopo ya pesa nyingi ukafanya uwekezaji mkubwa.
 
Invest pesa yako katka tangible things. Hakuna watu waliotajirika kupitia hiyo mifuko. Yaani umpe mtu 200 M aizungushe mwaka mzima halafu aje akupe 20-18 M ?? Huu ni ukichaa wa kiwango cha SGR.

Nunua residential property ikarabati halafu uza kwa thamani kubwa, nunua viwanja halafu uza kwa thamani kubwa ...unaweza hata ukavitumia kukopea mikopo ya pesa nyingi ukafanya uwekezaji mkubwa.
Ila yeye Ana shida ya kupata 2M kwa mwezi so awekeze wapi na kiasi gani.nadhani Hana shida ya kuwa tajiri Ila kuwekeza kwa government bond inakubalika sema lazima anunue ya 5/10/25 yrs Sasa hapo Kuna value ya hela nadhani itapungua thamani so iyo hela anaipata. Ila wazo la mwisho umemshauri viZuri. Jenga nunua na uza assets
 
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.
 
Ila yeye Ana shida ya kupata 2M kwa mwezi so awekeze wapi na kiasi gani.nadhani Hana shida ya kuwa tajiri Ila kuwekeza kwa government bond inakubalika sema lazima anunue ya 5/10/25 yrs Sasa hapo Kuna value ya hela nadhani itapungua thamani so iyo hela anaipata. Ila wazo la mwisho umemshauri viZuri. Jenga nunua na uza assets
Ukiweka milioni 200 leo hii kama ilikuwa na uwezo wa kununua V8 basi baada ya miaka 10 haitakuwa na uwezo tena wa kununua V8..unaweza kukuta baada ya miaka 10..milioni 200 ikawa na hadhi ya kununua IST. Ila uki invest kwenye majengo...mfano milioni 200 ikakuwezesha kupata nyumba 4 za 50M....baada ya miaka kumi nyumba hizi ukiziuza zinaweza zikawa na thamani ya 1.2 B
 
Kuna watu wametajirika hapo kariakoo..mwaka 2000 ulikuwa unaweza ukapata nyumba k/koo kwa sh 100M tuila sasa hivi umepata rahisi unaweza ukaambiwa 2-3B. Real estate ndio biashara kubwa inayofanywa na matajiri. Unaiwekeza pesa yako sehemu salama
 
Ukiweka milioni 200 leo hii kama ilikuwa na uwezo wa kununua V8 basi baada ya miaka 10 haitakuwa na uwezo tena wa kununua V8..unaweza kukuta baada ya miaka 10..milioni 200 ikawa na hadhi ya kununua IST. Ila uki invest kwenye majengo...mfano milioni 200 ikakuwezesha kupata nyumba 4 za 50M....baada ya miaka kumi nyumba hizi ukiziuza zinaweza zikawa na thamani ya 1.2 B
Mie nakumbuka 96 nikiwa la Pili Kuna mganda alikuja dukani anahitaji sabuni ya protex ilikuwa Ni sh 300 alikuwa na dola ,mida Iyo kulikuwa na bar jirani nachomoka nacheki tv taarifa kwa Iyo bar najificha kwa nje ivi kukiwa na mtu dukani.
Sasa bana nikawa nacheki forex nilikuwa najua dola moja Ni sh 600. Sasa huyu Jamaa kidogo akose huduma nilikuwa na dingi old school. Nikamwambia mpe hiyo moja Ni sawa na sh 600 so akapewa sabuni mbili ambazo jumla Ni sh 600tzs.

Kesho nilienda banki nikawapa wakanipa sh600 nikaileta dukani.




Baada ya kutoa iyo info ili niweze kukuongezea kwa hoja yako.


Ina Mana mtu mwenye aliyekuwa na laki 6 mwaka 96 Kama aliiweka banki bado mpaka saivi Ni laki sita inagwa anapewa interest kila mwaka Ila Ile value ya hela sio Mana. Mana iyo laki 6 ya mwaka 96 saivi kidola Ni 2332000. Mana iyo ilikuwa Ni dola alfu moja ,saivi cheki na value ya dola alfu moja Ina thamani gani.



Ishu nyingine Ni kununua stocks za kampuni zinazofanya vizuri Ila hapa lazima awe ana elimu na stocks Kama Hana Bora ajenge.
 
Mie nakumbuka 96 nikiwa la Pili Kuna mganda alikuja dukani anahitaji sabuni ya protex ilikuwa Ni sh 300 alikuwa na dola ,mida Iyo kulikuwa na bar jirani nachomoka nacheki tv taarifa kwa Iyo bar najificha kwa nje ivi kukiwa na mtu dukani.
Sasa bana nikawa nacheki forex nilikuwa najua dola moja Ni sh 600. Sasa huyu Jamaa kidogo akose huduma nilikuwa na dingi old school. Nikamwambia mpe hiyo moja Ni sawa na sh 600 so akapewa sabuni mbili ambazo jumla Ni sh 600tzs.

Kesho nilienda banki nikawapa wakanipa sh600 nikaileta dukani.




Baada ya kutoa iyo info ili niweze kukuongezea kwa hoja yako.


Ina Mana mtu mwenye aliyekuwa na laki 6 mwaka 96 Kama aliiweka banki bado mpaka saivi Ni laki sita inagwa anapewa interest kila mwaka Ila Ile value ya hela sio Mana. Mana iyo laki 6 ya mwaka 96 saivi kidola Ni 2332000. Mana iyo ilikuwa Ni dola alfu moja ,saivi cheki na value ya dola alfu moja Ina thamani gani.



Ishu nyingine Ni kununua stocks za kampuni zinazofanya vizuri Ila hapa lazima awe ana elimu na stocks Kama Hana Bora ajenge.
Au awekeze ktk kununua dhahabu na silver. Hapo ndipo thamani haishuki
 
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.
Human financial behaviour I can call it, Well narrated article, nimekuelewa bro
 
Invest pesa yako katka tangible things. Hakuna watu waliotajirika kupitia hiyo mifuko. Yaani umpe mtu 200 M aizungushe mwaka mzima halafu aje akupe 20-18 M ?? Huu ni ukichaa wa kiwango cha SGR.

Nunua residential property ikarabati halafu uza kwa thamani kubwa, nunua viwanja halafu uza kwa thamani kubwa ...unaweza hata ukavitumia kukopea mikopo ya pesa nyingi ukafanya uwekezaji mkubwa.
Mkuu nashukuru lakini tambua hiyo ni knowledge yako si kila mtu ataweza management ya hayo maswala, kukabiliana na changamoto zake.

Lakini kwa namna ulivyo andika, it sounds interesting
 
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.
This is nice. Natamani ungeshusha uzi kuhusu hiki kitu na pia kuweka list ya vitabu ambavyo vinaweza kumpa mtu pathway ya ku achieve hivi vyote. Najua most Africans dnt like to read, but kuna baadhi ambao watabenefit.
All in all hongera sana kwa haya maelekezo. Yamenikumbusha kuhusu kitabu cha "contagious."
 
Wekeza ktk real estate na weka benki kiasi kidogo cha dharura. Real estates (majengo ya kupangisha,mashamba, viwanja n.k) hapo ndipo thamani ya pesa huwa haishuki.

Ila unapowekeza kwenye hiyo mifuko kwanza una risk pesa yako kukatwa kodi, kushuka thamani n.k kumbuka 200m ukiiweka leo kwenye hizo fixed accounts au bonds ukija kuitoa inakuwa imeshashuka thamani.

Jielimishe kidogo juu ya UTT

Unatulisha tangopori
 
Au awekeze ktk kununua dhahabu na silver. Hapo ndipo thamani haishuki
Kuna muda nilitaka nimwambie kuwa awe ananunua financial instruments like Kama hizo hata pesa za kigeni sema hii Ni hatari kwake kama iyo elimu na Ni elimu kubwa Ni sawa kumwambia la Saba ama fomu foo food na sio fomu foo zero kumbuka zero Ina nguvu Sasa Kuna food kuwa akafanye uparesheni ya ubongo ama watt wametengana vichwa.


Mfano saivi dhahabu inazidi kushuka na USd Ina nguvu mno kuliko currency zote za dunia. Hata paundi imeshuka tokea nianze kujifunza hizi cfd industry sijawahi ona paundi moja inabadilishwa kwa 1.2352 kwa Bei ya leo ilipotolewa news na FoMc ama federal open market committee ya USA about the interest rate ya USD imebakia still 3.25% mnamo muda wa saa tatu kwa hapa home tz.
Hata paundi kwa tzs saivi ukicheki boy daily update bid and ask price inasoma 2658 so mtu akinunua paundi zake Kama 100k. Muda si mrefu yaani mwaka ujao lazima paundi isome 3000+ yaani hautoisha.

So Kama mtu Yuko poa ina Mana ukianza kusoma 3160 kwa paundi moja anauza hakosi 50+M sema hii Ni hatari weka mbali na watt isn't the child's play it's the men's game
 
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