Prof. Assad: Ni wajinga tu ndio wanaonunua ndege kwa cash

Prof. Assad: Ni wajinga tu ndio wanaonunua ndege kwa cash

Salary Slip said:
Hii ni tweet inayoombatana na video huko twitter:

Prof. Assad anasema "..You can't buy airline by cash, hakuna yeyote anayenunua ndege kwa cash...wapi umeona?..hakuna mtu ananunua ndege kwa cash. Watu wajinga sana ndio wanaweza kufanya jambo hili..."


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Kwa kauli hii huyu nguli Prof Assad,Jiwe angekuwepo lazima wasiojurikana wangefsnya yao
 
Ukweli ni kuwa haya yote yangekuwa yameshasemwa wakati jiwe yupo hai, ila kwasababu aliwatesa waliojaribu kumkosoa,, sasa ndo wanatapika yote.
Ni aibu kuwa familia imebaki na machungu ya kufiwa lakini pia marehemu wao anasemwa vibaya.
Na hasingiziwi.

Sent from my SM-A207F using JamiiForums mobile app
 
MALCOM LUMUMBA said:
Katika biashara ya anga, faida hutegemea mpango-mkakati wa biashara (Business Plan) na sera za nchi husika. Hili halihusiana kabisa na manunuzi ya ndege: Utaratibu mzuri ni kwamba nchi lazima iingie kwenye mkataba wa matumizi (Aircraft Lease Agreement) na mashirika husika kama ya kule Ireland, na siyo kwenda kiwandani na kuanza kutengeneza na kufuma ndege mpya kitu ambacho ni gharama.

Ukienda kiwandani hawakutozi tu bei ya utengenezaji wa ndege, bali wanaanza kukutoza bei ya pango (Slot) ambayo ndege yako itafumiwa na kutengenezwa. Gharama nyingine za matengezo, usajili, bima na waendeshaji wa hiyo ndege (Crew). Sasa kama huna mpango-mkakati wa kibiashara (Business Plan) lazima itakula kwako na hasara yako itakuwa kubwa kama ambavyo imekuwa kubwa hapa kwetu.

Lakini ukiingia kwenye mkataba wa matumizi ya ndege (Aircraft Lease Agreement) unaweza ukasaini mkataba mkubwa (Wet-Lease) ambapo, shirika linalokuzima wewe ndege (The Lessor) litahakikisha kwamba lenyewe ndiyo litalipia gharama za matengenezo ya hiyo ndege, bima, waendeshaj (Crew) na mengineyo ambayo mtakubaliana. AU unaweza kuingia kwenye mkataba mdogo (Dry-Lease) ambaopo kampuni (Lessor) litakupa wewe ndege lakini gharama za matengenezo, bima na waendeshaji ni za kwako wewe mtumiaji (Lessee).

Sasa huu utaratibu husaidia sana kwasababu biashara ya ndege ina matatizo mengi (High Risks) na wakati wowote unaweza kupata hasara zitokanazo na mambo kama vita, mlipuko wa magonjwa, ushindani mkubwa, mabadiliko makubwa ya teknolojia au madeni ya kimataifa. Sasa unaweza kuamua kuingia kwenye mkataba mkubwa (wet-lease) au mdogo (dry-lease) kwa muda mfupi ili uweze kupima kama unaweza kupata faida au hasara; ukiona umepata faida basi ndipo unaweza kuingia mkataba wa muda mrefu au kununua kabisa.

Kibaya zaidi ni kwamba sisi, Tanzania tuna madeni mengi ya kimataifa jambo ambalo lilipelekea kutokuwa na safari nyingi za kimataifa kama ilivyotegemewa. Ndege ikienda nje wadai wetu wanaweza kwenda mahakamani na kuzikamata kama walivyofanya kipindi kile CANADA na AFRIKA KUSINI, jambo ambalo lilipelekea sisi kupoteza mabilioni ya pesa bila sababu za msingi. Tungekuwa kwenye mkataba wa matumizi (Aircraft Lease) wasingeweza kukamata zile ndege hata kama zingekuwa zinatumiwa na ATCL kwasababu siyo za Tanzania.

Lakini njia nyingine rahisi kama tumenunua ndege kwa pesa taslimu ni kuhakikisha tunasajili kampuni la ndege nje ya Tanzania, kwenye nchi rafiki kama Uchina halafu hilo shirika litaingia kwenye mkataba wa matumizi (Aircraft Lease) na ATCL ili ndege zionekane siyo za kwetu. AU tungeweza kutengeneza kampuni hapa nchini ambalo itaonyesha linamilikiwa na bodi ya wadhamini (Board of Trustees) wa Kanisa kubwa kama Roman Catholic au Lutheran au yote kwa pamoja kisha wao ndiyo wakanunua hizo ndege ikaonesha kwamba ni za kwao lakini kumbe hela ni za serikali.

Hivyo mwisho kabisa watu wanaotudai hawawezi kukamata mali ya makanisa makubwa na yenye ushawishi duniani kama hayo maana siyo mali ya serikali. Hivyo haya makanisa yataamua kwamba yaingie mkataba sasa wa matumizi ya ndege na ATCL. Lakini sisi tulidhani ni sifa kujisifia mbele ya wale wazungu kwamba tunanunua ndege kwa pesa taslimu ilhali wao hawatupendi kabisa, wanatupa misaada, tunakopa kwao na wanatudai, figisu lazima wakufanyie tu. Marekani, Uchina na Urusi wanatumia sana huu mchezo kwenye biashara mbalimbali ili kukwepa vikwazo vya kimataifa visivyo vya msingi.

Kubwa zaidi mashirika makubwa yaliyofanikiwa kwenye biashara za anga kama KLM, huwa yanakuwa yanashirikiana na mashirika ya nchi nyingine (In Partnership or Joint-Venture). Kwamba nchi moja itatoa wahandisi wa ndege (Auronatic Engineers), nyingine itatoa waendeshaji (Crew Members), nyingine italipia bima na nyingine itatoa eneo la uwekezaji (Area for investment). Mwaka 1922 Urusi ya Kisovieti (The Soviet Union) ilifanya hivi na Ujerumani (The Weimer Republic) na nakumbuka hata KLM imewahi kufanya hivi na Airfrance, (Japo sikumbuki ni mwaka gani na mkataba wao ulisemaje).....

Namalizia kwa kusema mitazamo ni kitu muhimu sana kwenye maisha ya siasa, UJAMAA umedumaza fikra za watanzania. Ndiyo maana hata ukienda sehemu nyeti kama Idara ya Usalama wa Taifa, Jeshini na Vyuo Vikuu unaweza kukutana na mtu mwenye fikra finyu hadi ukabaki mdomo wazi (They are crude, dimwitted and lackadaissical ): Shirika la ndege la Tanzania haimaniishi lazima liwe linamilikiwa na serikali ya Tanzania, raia wa Tanzania wakimiliki shirikia kubwa lenye faida ni sifa njema kwa nchi.

Ndiyo maana nchi kama Marekani biashara ya ndege hufanywa na watu binafsi chini ya uangalizi mkubwa wa serikali. Hata Ulaya nako mashirika mengi yanamilikiwa na watu binafsi kwa ushirikiano na serikali. Rais Paul Kagame, naye ashaanza kufanya hivi na waarabu kwenye Air-Rwanda, na siyo muda atawashinda na kufika mbali (The Man Knows the rules of the game).

Sasa ninyi endeleeeni kusikiliza The PolePolez, The Bashiruz an The Kabudiz na wengine wote wenye COLD-WAR NOSTALGIA ambao bado wanaishi karne ya ishirini halafu muone matokeo yake.Ukiataka kuamini nachokisema wewe angalia tu kwenye teuzi: Yaani TISS kwasababu wazijuazo wao wenyewe wakaamua kupeleka kada kutoka UVCCM akaongoze TPDC (One among critical Industries of the State).

Yaani hili linchi tumekuwa kama Pakistan (A Diabolical Mafia State), kila sehemu nyeti kuanzia mashirika ya umma yanaongozwa na mijasusi na wanajeshi, lanchi haliendi mbele, huku wenzake India wanapiga hatua kubwa kiuchumi. Nilikuwa nakasirika sana zamani, lakini baada ya kujua kwamba hii nchi iko kwenye AUTO-PILOT na kuko salama kwasababu ya NEEMA ZA MUNGU, nimeamua kufanya mambo yangu na familia yangu.

HII NCHI BADO TUNA SAFARI NDEFU SANA, HIVYO KILA MTU ATABEBA MZIGO WAKE.......
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Umeandija maelezo mengi sana,ila hujaonyesha gharama ya ku-lease na gharama ya kununua cash,yaani unataka kutuaminisha kwamba lessor hataweka profit kufidia yote hayo anayosema,acheni ujinga
 
Huyu mzee ajengewe sanamu ya makumbusho ni shujaa wa mahesabu alimuumbua baba Jeni hv hv .
 
Sasa hata kama uchukue kwa Mkopo huo mkopo badae hutoulipa? Ukitia sign kuchukua kitu hata kama ni kwa mkopo ni lazima malipo yake yakamilike tu.

Tatizo kila mtu Mjuaji kuwa Prof haina maana unajua kila kitu. Ni ajabu kushabikia sababu kaongea Prof bila kutafakari kwa kina.
 
50thebe said:
Prof Assad kasema mengi ya ukweli.

Lakini Dr Magufuli alikuwa na mboni Kali zaidi. Duniani kote, maendeleo ya vitu yaliambatana na kudorora kwa haki za binadamu. Hii sacrifice ndio ilikuwa lengo la Dr Magufuli.

Hugo Chavez wa Venezuela alitumia hii njia, lakini madhara aliyopata ni makubwa mno.
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Shida ni hatujui wengi wetu tunakurupuka kutokana na mapenzi au chuki
 
Prof. Atalisha matango wengi sana ila wengine tulishaga kataa kulishwa ujinga. Atawapata vilaza tu. cheki link hii chini alafu eti prof anakuja na matapishi akiaminibyeye ndio source ya taarifa sahihi..


Best Way to Buy an Aircraft: Cash vs Leasing vs Financing - Blog post by Guardian Jet



Taarifa hii hapa chini;

Should you pay cash or lease or finance your next aircraft? It’s a great question and one that we often answer for our clients here at Guardian Jet.

Below we’ll compare the different options for aircraft financing in an effort to help you understand its impact on your fleet plan.

But first, let’s see what the industry is doing, domestically here in the U.S., and abroad.
​

​

Survey Says . . .​

Cash is king.

At least when it comes to buying a new aircraft in the U.S., according to Michael Chase, principal at Chase & Associates.

In his report, nearly three-quarters (73%) of new aircraft owners purchase their planes outright. And this is a statistic that’s remained largely constant since 2006.

But, internationally, things are different when it comes to aircraft finance.

When JETNET iQ’s Quarterly report surveyed 500 aircraft operators globally, only about 45% shared that that they prefer cash—or cash followed by financing—as their preference.

Where international buyers are concerned, financing is more popular.

Yet leasing is gaining considerable traction, thanks to record demand and strong liquidity. It’s an aircraft financing option that creates more efficient risk management of aircraft residual values.

In Boeing’s 2018 Current Aircraft Finance Market Outlook, aircraft leasing continues to grow in absolute size while maintaining a 40% global market share.

So, what is your best option when it comes to aircraft finance?

How do you factor in aircraft residual values? And should you let someone else take on the risk while you use your cash to fund other projects or assets?
​

​

Pros and Cons: Cash vs Lease vs Financing​


Let’s get down to it and discuss the pros and cons of the different purchasing vehicles. Then we’ll go into an actual example of buying or leasing a $10M airplane.

In an aircraft lease, the pros are as follows:
​
  • You preserve your capital outlay. You don’t put anything up front, you just start making payments.​
  • You have fixed monthly payments. You know your budget for the term of the lease agreement or your ownership period of the airplane.​
  • You have no residual value risk. The residual value risk is born by the lessor.​
  • You have some degree of flexibility. This is because you can write into the lease deal an EBO (Early Buy Out) or an ETO (Early Termination Option). This can be favorable to you if the market does better than what the leasing company anticipated. You usually don’t impact your P&L in the year of the transaction like you would paying $10M for an airplane.​
  • You aren’t impacted negatively in the year of replacement.​
  • You might have flexibility. At the time of sale, the bank may allow you to enter into new lease agreement for your next purchase.​
The cons of an aircraft lease:
​
  • Your tax benefits are assumed by the lessor. You’re giving the residual value risk to the leasing company, and they’re getting the tax benefits. So the lessor gets the depreciation.​
  • You pay more to own your airplane. Over the life of the agreement, you’re paying interest and you don’t get the same tax benefits as mentioned above. Also, when you want to sell the aircraft, the optimal timing for buying a replacement may be limited, depending on your lease term and/or exit strategy.​
  • You will have usage restrictions. You can only fly it so many hours a year or you affect the return conditions on a lease. A lessor usually has requirements for hours flown, insurance, and being on an engine program.​
The pros of financing an aircraft:
​
  • You will save more money. When financing through a bank, you’ll save the most money from a net present value cost. Aircraft financing is the less expensive option over the life cycle of your ownership from a net present value perspective.​
  • You get significant tax advantages. You can accelerate the depreciation of the airplane. (In the example below, we use the current 100% bonus depreciation in year 1, so you’ll reap considerable tax benefits.)​
  • You have more flexibility to resell. There are no restrictions on how you use the airplane. And you’ll be able to sell the plane more easily, without lease penalties.​
The cons of financing an aircraft:
​
  • Your capital is tied up. Let’s say you pay 10% for a $10M jet. That means you’re going to put $1M down, and you can’t use that for other business needs—the way you could if you were leasing the airplane.​
  • You assume the residual value risk.​
  • Your P&L might be impacted negatively.This is because you’re spending $10M in the year of the transaction.​
The pros of purchasing an aircraft with cash:

You get great tax benefitsfrom owning your own airplane. You will save money over time. Cash is the less expensive option over the life cycle of your ownership from a life cycle cost perspective. You have the most flexibility when you sell. If your corporate travel mission changes, you can sell more quickly without lease penalties, and there’s no loan to pay off. You have no transaction costs. You have no restrictions. This enables you to use the aircraft as you wish, and choose whether to add an engine program (it’s not required). Excessive wear and tear is not an issue (at least to the lessor).

The cons of purchasing an aircraft with cash:
​
  • You will have a significant capital expenditure. ​
  • You assume the residual value risk. ​
  • Your P&L might be impacted negatively.​

​

Financial Analysis Case Study – After-Tax Cash Flow​

In the following case study, we looked at financing options for a nearly new aircraft that’s less than three years old and has fewer than 1,000 hours. The purchase price is $10M, and we outlined both the 10-year life cycle cost and the net present value.

Our assumptions for a 10-year cash flow example:
​
  • Compared the cost of capital over a 10-year term calculating after-tax​
  • Sales tax rate of 8.25%​
  • Residual value decrement of 8% per year​
  • Federal and State corporate tax rate of 35%​
  • Net present value discount rate of 10%​
  • 100% business use​
  • Lease rate factor of 0.9%​
  • Financing interest rate of 4%​
  • 100% bonus tax depreciation for after-tax analysis​

​

10-Year Life Cycle Cost and Net Present Value Case Study – $10M Jet Purchase​

net present value - 10-year life cycle costs - helps whether to buy aircraft with cash vs lease vs finance


Ok. Now, let’s get into the specifics. Looking at the chart above, the blue lines represent the life cycle costs of owning the airplane over 10 years.

In the first column, the cash purchase has a very low life cycle cost.

But when you apply the cost of money or the net present value (NPV), it’s very high. In fact, it’s much higher than the life cycle cost because in the beginning of that term, you paid $10M.

Life cycle cost explained:

You buy the airplane and pay for it, including all the operating costs. You get the tax benefits, if any, and then you sell the airplane. Or, in the case of the lease, terminate the lease at the end. And then you look at your total costs.

Net present value explained:

The value of a sum of money in today’s market, in contrast to some future value it will have when it has been invested at compound interest.

In an aircraft lease, you’ll have high life cycle operating costs because you’re paying a lot of money over time to lease this airplane.

But, unlike in the purchase, because you’re paying it over time (and it becomes a discount rate), you actually have a lower NPV than your life cycle costs.

It’s much less expensive to pay with cash than to lease, but you can see the difference, and remember that there are some advantages to leasing.

In the third column, you’ll see that financing the airplane clearly comes out ahead from a net present value perspective. This is due to the lower capital outlay combined with the ability to reap the benefits of the 100% bonus depreciation.

With all of that said, every aircraft ownership decision is unique to the corporate or high-net-worth individual.

We’re always more than happy to discuss your particular needs. To learn more, visit our financial projections page or give us a call at 1-203-453-0800. We’d love to help you out.

​
 
Kwahiyo ndiyo kusema mwendazake alikuwa mjinga?
Salary Slip said:
Hii ni tweet inayoombatana na video huko twitter:

Prof. Assad anasema "..You can't buy airline by cash, hakuna yeyote anayenunua ndege kwa cash...wapi umeona?..hakuna mtu ananunua ndege kwa cash. Watu wajinga sana ndio wanaweza kufanya jambo hili..."


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Hii report ingetolewa kabla mwendazake hajazikwa tusinge lia na kuzunguka naye vile na tungezika haraka haraka. Warudishe machozi yetu
Salary Slip said:
Somo:

Wenye mamlaka/madaraka, tumieni vizuri mamlaka mliokabidhiwa ili mnapotangulua mbele za haki, msiwaache ndugu na jamaa zenu na maumivu mara mbili: kufiwa na Marehemu kusemwa vibaya.
Click to expand...
 
Nyamatare1987 said:
Umeandija maelezo mengi sana,ila hujaonyesha gharama ya ku-lease na gharama ya kununua cash,yaani unataka kutuaminisha kwamba lessor hataweka profit kufidia yote hayo anayosema,acheni ujinga
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Unataka nikueleze zaidi kibiashara, Basi iko hivi: Biashara ya ndege inaendeshwa kwa gharama kubwa sana duniani kote. Lakini kitaalamu biashara ya ndege kama yenyewe haingizi faida ya moja kwa moja. Kinachofanyika ni kwamba usafirishaji wa anga kama miundombinu mingine, hutumika katika kufanikisha shughuli za kiuchumi ambazo zenyewe sasa ndizo huleta faida kwa nchi.

Mfano, mashirika kama Fly-Emirates yanasaidia sana kwenye biashara ya utalii na shughuli nyingine kubwa za kiuchumi. Hivyo basi, faida inayopatikana kutoka kwenye hizo shughuli kama utalii ndizo hutumika katika kufanya fidia kwenye gharama za uendeshaji wa hilo shirika la usafirishaji wa anga. Sasa wataalamu walipouliza Serikali yetu tukufu kwamba mpongo-mkakati wa kibiashara (Business Plan) iko wapi hawakuwa wajinga.

Walitaka kufahamu mambo kama haya; Lengo haswa la kufufua hili shirika ni lipi ??? Pia shughuli za kiuchumi ambazo mnalenga kuzifanikisha ni zipi ??? Kama ni Utalii mbona, Utalii umeanguka sana tangu alipoingia mzee kutokana na sera zake za KIKOMUNISTI ambazo sijui alizitoa wapi kwakweli. Kama ni biashara za kimataifa, tuna kiwango gani cha biashara ambacho kinalazimu muingiliano mkubwa kimataifa hadi kuweza kufanikisha ATCL iende masafa marefu ??? HAYA NDIYO MAJIBU AMBAYO WATANZANI TULITAKIWA KUPEWA MAPEMA, siyo LIP-SERVICE.....

Lakini mwisho sasa nashangaa jinsi uelewa wako ulivyo butu: mikataba ya manunuzi taslimu (Outright Purchase) inatofautiana duniani kote (Itategemea unanunua ndege kwa nani na ndege ya aina gani). Vivyo hivyo mikataba ya matumizi (Aircraft Lease) hutofautiana kutokana na matakwa ya mteja hivyo kulazimisha niweke bei ni umaamuma usiyo na mashiko, maana itategemea unakuwa na WET-LEASE au DRY-LEASE......

Haya leta jingine,.......
 
Tulimumu said:
Hii report ingetolewa kabla mwendazake hajazikwa tusinge lia na kuzunguka naye vile na tungezika haraka haraka. Warudishe machozi yetu
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Mkuu usipende kuongea vitu vya ukweli maana humu tuna ma mizimu hatari hata uyaelekeze vipi hayaamini na hayakubali kama mazombi tu
 
barafuyamoto said:
Prof. Atalisha matango wengi sana ila wengine tulishaga kataa kulishwa ujinga. Atawapata vilaza tu. cheki link hii chini alafu eti prof anakuja na matapishi akiaminibyeye ndio source ya taarifa sahihi..
​
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Sasa bwana barafuyamoto huwa nakuonaga mtu mwenye busara kuliko hao wenzako kumbe na wewe ni walewale tu. Hebu nisaidie labda wewe mwerevu kulimo Prof Assad, hayo mashirika yanayonunua ndege kwa pesa taslimu yanamilikiwa na serikali au mashirika binafsi ???

Lakini pia, hiyo makala imetoa tofauti nzuri kabisa kwenye (Leasing, Financing, Purchase) na wakazungumza kitu kimoja cha msingi ambacho wewe na wenzako nadhani mnakiacha aidha kwa makusudi au kushindwa kufahamu. Hiyo makala iko wazi kabisa kwamba wametaja faida (Pros) na hasara (Cons) za njia zote tatu (Leasing, Financing, Purchasing). Kwanini wewe umeangalia tu faida (Pros) za njia moja (Purchasing) tu, bila kuzingatia faida ya njia hizo mbili zilizobaki ???

Mwandishi wa makala kasema ndege nyingi huwa zinanunuliwa na kumilikiwa na mashirika binafsi siyo kwa lengo la kuanzisha biashara ya usafirishaji wa anga, bali hata kwa lengo la kuazimisha na kutumia (Aircraft Leasing and Financing) kwa wateja wengine. Lakini akaenda zaidi akasema ukinunua ndege kwa fedha taslimu inakuwa rahisi sana kwako kuuza, kitu ambacho wengi hukifanya kutokana na sababu mbalimbali.

Mbali na uhauheni kwenye kodi na uwezo wa kuuza kwa haraka bila kuacha madeni mwandishi hajatuandikia chochote kile kuhusu faida za muda mrefu za kibiashara, hivyo siyo uungwana kukisia na kusema kitu ambacho mwandishi hajasema. Kununua ndege kwa fedha taslimu ni kitu kimoja na kuendesha biashara ya ndege ni kitu kingine...........

Nadhani itakuwa ni makosa kutaka kusema kwamba kila anayefanya manunuzi taslimu ya ndege, basi lazima atakuwa ni serikali au ana lengo la kuanzisha biashara usafirishaji wa anga kama sisi. Hebu wewe mtaalamu tueleze zaidi sisi vilaza na mbumbumbu ambao hutuelewi vizuri haya mambo kama nyie wenzetu......
 
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