YEHODAYA
JF-Expert Member
- Aug 9, 2015
- 36,902
- 52,001
Sio kweli inategemea unaweka Miaka mingapiBond unakopesha bot wanakuwa wanakulipa riba. Tena riba yao iko POA like 13%
Bond ya muda gani? Wewe unaongelea bondAcha ujuaji. Unauliza. Nimewekeza UTT binafsi.
Siyo biashara kichaa wala haifanani na fixed deposit.Samahani .hizo ni biashara kichaa
Inafanana na fixed account
Mara 100 hata ukajenga lodge au nyumba za kupanga
Alimaanisha Bond Fund ya Utt nadhani. Hii ina option ya kulipwa kila mwezi.Uongo hakuna Bond inalipa kila mwezi
Okay nimekueelewa mkuuDoubt nyingine bwana Honourable CFA Russian Hooligans Oligarchy iyo ya interest rate ya 140M ya benki labda unaweza ikawa let say 15% kwa mwaka na wao wanaotaka kila mwezi wanakata hela yao.
Sasa bond interest rate unayolipwa Ni 12.8% labda ya miaka 10. Na Hawa bond wanakulipa faida quarterly/semi annually Sasa hapo itakuwaje mbona kama Kuna gepu utatoa hela nyingi benk. Mana Kuna difference ya interest rate ya 15-12.8=2.2% huoni kuwa utakuwa unatoa nyingine nje ya hiyo hela ili kui compesate.
Ama Ile hela uliyokopa ukajengea uanapata Kodi unasaidizana na bond interest rate ili kucover iyo mkopo wa bank.ama kwa vile hela ya bank itakuwa ndogo kuliko Ila riba Ni kubwa inafidiwa na hela ya bond Ni kubwa Ila rate Ni ndogo so Ina fidiana.
Ama utaongezea na Kodi ya nyumba ili kulipa mkopo. Please more explanation.
So unaamini kuwa value ya hela itakuwa Ni sawa ama uta compensate na Ile riba. Mana unaweza ukapewa 12.5% kwa mwaka na inflation ikawa Ni 3-6% kwa mwaka so hapo huoni net yako inavyoathirikait depends on how much the 10 billion will grow in value in the market
after 25 years the bond will give you the same 10 billion.
Spasiiba bolishowe druk. Ti gde seichasi a shot to delaeshi. Mnye nravitsya vash ocheniOkay nimekueelewa mkuu
1. Una bond ya 200M inayotoa 12.56% per annum, coupon ni 25M per annum
2. mkopo wako ni 100-140M - rate negotiatable e.g 15% FOR 100-140M NI (15M - 21m roughly figures), so kwenye hesabu hapa naona umekosea kidogo
3. Kuna Mkopo wa Securities lOAN, basically unalipa kwa Coupon na sio monthly , Talk to your Bank Mteja ni Mfalme
4.Nimesema utajenga House ya 140M au 100 M na sio 200M , then kama wapenda exponential growth u can reinvest income from the house again to bonds (Buy new bonds) then use proceeds again wither to reinvest kwenye other business or consumption. Hii strategy growth yake ni Balaa.....
Mkuu unanifurahisha unaelewa chimbuko langu
Oligoi means Few +Arkhein means to Rule so OligoiArkhein few to rule >> ndani ya 19th Century ikawa Oligarchy ὀλιγαρχία.
Uhaya kidogo " miaka michache nyuma nkiwa kama Mshauri wa tajiri la kirussia nilikutana face to face kwa mara ya kwanza na Yuri Kovalchuk, Billionaire la kirussi lenye roho mbayaa sana lakini pia anatambulika Kama Personal banker wa Rais Mteule Putin wa Russia, lenye mafunzo kutoka KGB sasa inaitwa FSB. Piga maanalysis kama yote huku nikisubiri percent yangu ndogo itakayonifanya nipenetrate tanzania niwe kama Rostam au niende Kenya kuwa Economic assassin ! ama kupoachikwa jina la Yellsin-era Oligachs jijini moscow palepale.
Anyways , naona natoka nje ya mada.
Mkuu natumaini umenielewa, Mambo ya kirusi niweke pembeni kwa maana naandika nkiwa vitani Ukraine
Tumefanikiwa safirisha Tani nyingi sana kuingia Urusi! Hatupigani vuta za kawaida muda wote ni vita za kiuchumi
VITA ni uchumi: Story za Eacop na Bunge la Ulaya!
OLIGARCHY, CFA
FORMER KGB TRAINEE,
мне нужен снимок Столичной , Zhizn' korotka moy drugSpasiiba bolishowe druk. Ti gde seichasi a shot to delaeshi. Mnye nravitsya vash ocheni
Amesema Bond Fund ambayo ni mfuko wa UTT unaitwa hivyo na inalipa gawio kila mwezi, miezi 6 au mwaka inategemea na kiasi ulichowekezaUongo hakuna Bond inalipa kila mwezi
That's how the system works. Wanabeba risk kubwa kuliko wewe unayewapa hela.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.
Nyumba inategemeana na mambo mengi lakini UTT naijua vizuri hamna kitu ni very iliquidy assets.
Hivi kwanini watz hatuwazi uwekezaji wa kidunia ,sio lazima uwekeze tz.
Apple tangu 2004 imepanda 46000%
And tesla is going to do the same
inaongezekaje mkuu?Ukiwa na Bond Fund
Mtaji 200M
Kwa mwezi utapata hio 2M bila shida kabisaaa tena itakuwa inaenda inaongezeka
Sent from my 220333QAG using JamiiForums mobile app
Kiongozi oligarchy, napenda sana maandiko yako huwa hayachoshi kusoma mixer story za urusi , natamani ungefungua uzi humu jamii forum au hata channel telegram uwe unafundisha/unatoa elimu kusiana na masuala madogo madogo ya kiuchumi.Wengi wa watanzania suala la elimu ya kiuchumi na uwekezaji ni ZERO.Okay nimekueelewa mkuu
1. Una bond ya 200M inayotoa 12.56% per annum, coupon ni 25M per annum
2. mkopo wako ni 100-140M - rate negotiatable e.g 15% FOR 100-140M NI (15M - 21m roughly figures), so kwenye hesabu hapa naona umekosea kidogo
3. Kuna Mkopo wa Securities lOAN, basically unalipa kwa Coupon na sio monthly , Talk to your Bank Mteja ni Mfalme
4.Nimesema utajenga House ya 140M au 100 M na sio 200M , then kama wapenda exponential growth u can reinvest income from the house again to bonds (Buy new bonds) then use proceeds again wither to reinvest kwenye other business or consumption. Hii strategy growth yake ni Balaa.....
Mkuu unanifurahisha unaelewa chimbuko langu
Oligoi means Few +Arkhein means to Rule so OligoiArkhein few to rule >> ndani ya 19th Century ikawa Oligarchy ὀλιγαρχία.
Uhaya kidogo " miaka michache nyuma nkiwa kama Mshauri wa tajiri la kirussia nilikutana face to face kwa mara ya kwanza na Yuri Kovalchuk, Billionaire la kirussi lenye roho mbayaa sana lakini pia anatambulika Kama Personal banker wa Rais Mteule Putin wa Russia, lenye mafunzo kutoka KGB sasa inaitwa FSB. Piga maanalysis kama yote huku nikisubiri percent yangu ndogo itakayonifanya nipenetrate tanzania niwe kama Rostam au niende Kenya kuwa Economic assassin ! ama kupoachikwa jina la Yellsin-era Oligachs jijini moscow palepale.
Anyways , naona natoka nje ya mada.
Mkuu natumaini umenielewa, Mambo ya kirusi niweke pembeni kwa maana naandika nkiwa vitani Ukraine
Tumefanikiwa safirisha Tani nyingi sana kuingia Urusi! Hatupigani vuta za kawaida muda wote ni vita za kiuchumi
VITA ni uchumi: Story za Eacop na Bunge la Ulaya!
OLIGARCHY, CFA
FORMER KGB TRAINEE,
Hasara inakuja vipi? ikiwa huo mkopo unaulipa kutoka kwenye mshahara...maana yake baada ya muda wa mkopo kuisha,utakuwa na hela uliyowekeza yote na zile faida unazopata.UTT ni watu was kati.
Yaani ukiwapa pesa yako, wao wanaiwekeza kwenye makampuni wanayoonanyatafanya vizuri DSE, Treasury bills na Bonds.
Hakuna muujiza wala maajabu hapo.
Kwanza ukiwa na kuanzia 200M unaweza kuwekeza mwenyewe kwenye kampuni nzuri tu bila kuweka UTT.
Pili, usikope kuweka pesa kwenye bonds au TB kwasababu ni biashara kichaa.
Banks hazikopeshi chini ya 15% per mwaka kama interest, wakati faida ya Bonds au Tb kwa mwaka siyo zaidi ya 12%
In short, utakula hasara kinoma.
Kwahiyo pesa ya mkopo unakuwa umeokota, siyo?Hasara inakuja vipi? ikiwa huo mkopo unaulipa kutoka kwenye mshahara...maana yake baada ya muda wa mkopo kuisha,utakuwa na hela uliyowekeza yote na zile faida unazopata.
[emoji23][emoji119]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.