Hizo ni investiments zao. By the way.. ATM..Automated Teller Machines zinatakiwa zifanye kazi kama jina lake lilivyo.. AUTOMATED! Hazihitaji wahudumu .. maybe walinzi. Banks need to update their programs! Modern ATM inajiendesha yenyewe na iko FAST!
Hizi habari za kuchaji mtu kuchukua hela toka kwenye Account yake.. ni wizi. Ni hapa kwetu tu.. neither America nor Europe utakutana na upuuzi wa aina hii.
Inabidi Banks zi-come up with new investiments ideas.. and not stealing from poor people!
nchi yetu ni masikini.. kuna opportunities nyingi zana za investiments..so waache uvivu wa kufikiri. Inabidi wawe creative!
huu ndio ubepari tuliokuwa tunauogopa. Kunyonya jasho la masikini bila hata aibu!
Kuna faida gani ya masikini kuweka hela benki ikiwa anachajiwa shs 500 au 1000 kutoa hela zake kwenye benki hiyo hiyo? Utamlaumu akiamua kutengeneza Safe Deposit box chumbani kwake akazichimbia?
United States
Prior to 1988, there was no surcharging of cardholders by ATM owners in the U.S. In 1988 Valley Bank of Nevada began surcharging "foreign cardholders" (meaning holders of ATM cards not issued by Valley Bank) for withdrawals at Valley Bank ATMs located in/near Las Vegas casinos.[19] Eventually, various regional ATM Networks, and ultimately the national networks, Plus and Cirrus, permitted ATM surcharging.
Before 1996, foreign ATM fees averaged $1.01 USD nationally, according to a 2001 report from the US-based State Public Interest Research Group.[20]
As banks and third parties realized the profit potential they raised the fees. ATM fees now commonly reach $2.00 (2003[21]), and can be as high as $6.00,[22] or even higher in cash-intensive places like bars and casinos. In cases where fees are paid both to the bank (for using a "foreign" ATM) and the ATM owner (the so-called "surcharge") total withdrawal fees could potentially reach $11. Independent sales organizations ("ISO"s) are the driving force in ATM deployment in the U.S. today representing over 60% of the 396,000 ATMs nationwide. Some have expressed concerns that the U.S. market is becoming too saturated, spreading the resulting fee pool too thin, which may result in a future net decrease in the number of machines.[23] Other media reports indicate that growth in ATM usage has decreased, possibly in relation to the amount of fees imposed by banks.[24]
Only some fees charged by ATMs are advertised at the point of transaction. This is more of a cautionary statement, as ATMs are required by law to inform users of the surcharge fees that the machine will charge the user. This information may come in the push through menu or it may be on a sticker on the machine. However, the ATM card holder's own bank may charge a "foreign ATM network" fee to the card holder for using an ATM that is not owned and operated by the card holder's own bank. Since this charge is not assessed by the machine or the owner of the machine, it is usually not advertised at the time and place of the transaction. Thus, it becomes the responsibility of the card holder to be aware of the details of their own bank's fee structure, which may also vary from state to state, to determine the total cost of an ATM transaction. In addition, the "foreign ATM network" fee may be different if using an ATM outside the U.S. versus inside the U.S.
A new charge that has come into the marketplace is the "Denial Fee", where a customer is charged a fee for attempting to withdraw more money than they are either allowed through their daily withdrawal limit or by having insufficient funds in their account.[25]
While many consumers are faced with multiple fees as described above, a number of standalone and internet banks, such as USAA and Ally, not only do not charge their customers for using another ATM but they also provide reimbursement, worldwide, of another ATM's fee. Thus, customers at some banks in the US can avoid ATM fees altogether. Another popular way to avoid paying ATM fees is to make a cashback purchase at a retail store: many retailers will allow a customer who is paying with a debit card to withdraw more than the total due the retailer and get back the difference in cash
Kutokana na faida hiyo wamelipa kodi kiasi gani?
1) 30% ya faida kama kodi ya mapato.
2) Kodi za majengo, viwanja, mabango.
3) Kodi za ongezeko la thamani kila wanaponunua vitendea kazi.
Na nyingine, kama import Tax wanapoagiza vitu na hidden taxes kibaaao.
Mkuu hiyo ndio requirement kama sikosei watuambie wenyewe au kama wewe unafahamu si unaona faida wameisema ni vizuri wakiweka figures maana hilo ndio la maana kwa walala hoi kufahamu kwamba wameilipa isije ikawa ngonjera kwamba wamelipa.
Mkanunue hisa huko nmb..
Msibakie kulalamika tu
Baada ya mahesabu yao ya mwaka kufanyiwa uhakiki (Audit), mabenki yote Tanzania na si hii tu, hutowa hesabu zao za mwaka kwenye magazeti, kinaga ubaga, hakuna siri katika hayo. Mpaka mgao wa wenye hisa huonyeshwa.
Baada ya mahesabu yao ya mwaka kufanyiwa uhakiki (Audit), mabenki yote Tanzania na si hii tu, hutowa hesabu zao za mwaka kwenye magazeti, kinaga ubaga, hakuna siri katika hayo. Mpaka mgao wa wenye hisa huonyeshwa.
Wakuu,mi sishangai perfomance ya nmb hata kidogo. Mimi kama mhasibu nikiangalia vitabu vya nmb na beki iliyopata faida kidogo kama crdb naona better crdb au std chartered. Kumbuka vitu kama window dressing na creative accounting vinajitokeza sana nmb zaidi ya benki zingne. Pia nmb inalipa kodi kidogo zaidi ya benki nyingine,kuna ruzuku ya serikali,na sapoti ya serikali. Aya yote yanaifanya ionekane iko juu. Huwa namaliza mchango wangu kwa kutoa asainimenti. Angali mwaka jana,nmb ilikuwa na net profit kubwa,rudi crdb ilikuwa na gross profit kuliko nmb,ukikata kodi basi nmb isiyolipa kodi inatangulia mbele. Hivi vitu viko too technical,usishangae angalia stability ya benki. Benki nyingi hazishindani na nmb kwanza hailipi kodi,ina sapoti ya govt,ina share asset/liquidity na govt.ina wateja wengi wakiwa watumishi wa umma,vitu vingi tu. Ila mwishowe,tunapaswa tuipongeze,mana inaweza ikawa na aya yote bado ikapata loss kwa uzembe. Nawapongeza Nmb.
Mkuu Ole.. dah long time!
Hawa jamaa wanatufanya watanzania majuha!
Huu ni unyonyaji 100% wa jasho la watanzania. i wonder Wabunge wetu, Wizara ya fedha na BOT wanafanya nini? We really need a Financial Reform kama iliyofanyika USA last year! Hali ya maisha imekuwa ngumu kwa raia..ni wakati sasa kwa serikali kuingilia kati na kupunguza makali!
ATM moja inauzwa zaidi ya million 70, watu wawili wanahitajika kwa ajili ya kuhudumia ATM, Mlinzi, karatasi zinazotumia (atm journal roll+ATM receipt), na umeme, jengo(kibanda cha ATM), je BRUTUS haya mabenk yatarudisha vipi hizi gharama walizotumia na wanazotumia kama hawatacharge kila unapotoa fedha kwenye ATM?