Man City ยฉ2008 | Finance & Investments | Risk Manager | Business Strategist, Intelligence & Governance | SC Toastmasters Club VPPR | D&I Council Member.
This countryโs economy just canโt allow someone on a salary to date a person that wants to be spoiled. For me it just canโt work. This country fits couples who want to work together and prioritise their little resources to develop themselves. Have honest financial conversations
For us planning to only have two kids, here is something more like a game changer. Get K250,000 or more, invest in a 15year bond and watch the coupons pay your kids school fees all the way to University.
Maturity value = Capital for their business start up. A future sorted โ
From the day he was born he yearned for adventure. The captain of his life, a true pilot of destiny.
Aug 13, 2024. Happy Birthday Mate. So so proud of you ๐ฅณ๐ฅณ
Invest ZMW2,700,000 in a 15year govt bond (26.5%) and youโre guaranteed a monthly income of ZMW50,085 from coupon payments. Net of tax with zero operating costs. You can even sit at home doing other bines or enjoying Netflix and money will be coming ๐ค๐
A few cupcakes ๐ง ainโt bad to navigate through what looks like a sconnie day. Grab yours and letโs deliver on our aspirations. Donโt lose focus ๐งโ๐ป
Iโm baked for greatness ๐๐พ๐จโ๐ณ
Did you know? If you invest ZMW126,000 15year govt bond youโre set for annual returns of ZMW28,000 net of tax. Do this for each month and thatโs a good income made for yourself.
Put your money where more money is made guys. 05/2024BA coming soon. ๐ค
1. 8hrs load shedding with no tangible long term solution - cuts on production
2. Fuel price increase - impact on cost of production/cost of goods
3. Currency depreciation - increases cost of imports/decreases the purchasing power
Economic recovery for Zambia remains a myth โน๏ธ
This generation has normalized a lot of things that are gonna cost us a lifetime of regrets. I hope we will be brave enough to face and accept the consequence of the actions and choices of the life weโre living today
LONG TERM PLAN: JOURNEY TO A DECENT LIFE IN RETIREMENT
K5,000,000 investment in bonds at retirement with a coupon rate of 14% earns you K350,000 in coupons - bf tax, every 6 months.
Aprox K58,000/month, with you just sitting at home ๐
Worth the effort and work starts now๐จโ๐ปโ
The best time to invest is when you are young, single and other obligations haven't yet kicked in. Make asset growth a priority and diversify across different portfolios. Life feels much better when you're free from financial stress. ๐ฐ๐ฐ๐ฐ
FAMILY LEGACY. There is something Iโm looking to learn about the Mwanakatweโs, Musokotwaneโs and the Chibesakundaโs. Something unique about them and how they blend their families into generational wealth, education standards and family values that have remained inspiring to me.
Crush babe!! listen, Iโm not gonna sponsor a lifestyle and I mean it ๐. But come to me with a business proposal that can support your life, letโs have a look at it and Iโll fund it better than CEEC ๐ค๐
In Zambia, growing your worth and making it to the wealthy ladder is a mountain to climb that requires maximum discipline. For example
Net pay 20,000
Rent (4,500)
Grocery (4,500)
Fuel (2,000)
Utilities (1,000)
Hse help (1,000)
Weekend Ent (2,000)
Misc (2,000)
Net savings 3,000
Elon Musk announced he was investing $44bn in Twitter. You simply watched him do his thing.
Malume says heโs investing K50k in Shoprite stocks and somehow you have heart palpitations
Ba Guy how is that even normal for you to have selective emotions ๐คทโโ๏ธ๐
Looking at $10,000 which was ZMW176,000 a few months ago become ZMW223,000 today.
Sometimes opportunities emerge from difficult economic times. You just have to play your numbers right ๐ค
#HardCurrency
Given K350,000 on the table. Other than investing in govt securities, what business opportunities are out there that would provide better returns at an acceptable risk appetite?
Take in mind this is capital injection from a risk averse person. ๐ฑ๐ฐ
Working on a Business Project soon to be launched. Iโll be your plug in the following services:
-Business advisory
-Investments (Bonds, T.Bills, Stocks, Mutual Funds)
-Tax Advisory/Audit
-Debt Management/Finance Resourcing
Will need a tweep good with logo designs/branding ๐ค
The target is to make an investment of ZMW100,000 this year. I have 343days to make it happen. It will happen โ .
For now, letโs put in the work ๐ผ๐ค
Yโall have a good one ๐
Dear Bachelor,
You have no idea whatโs coming. But hereโs a clue (scoreboard). Letโs keep working ๐ค
1. CEC
2. Zambeef
3. Shoprite
4. Stanchart
5. โฆโฆโฆโฆโฆโฆ..
This is not about bonds ๐
You inject ZMW500,000 initial capital in a farm project. Someone breakdown how you would allocate this money. Account for:
1. Construction of farm house/units
2. Farm equipment
3. Purchase of livestock (cattle, goats, pigs and chickens
4. Maize & Vegetables
Location: Mazabuka/๐ค
You cannot use baddies as a benchmark to quantify which money is small and which one is not. What jobs do they do, whose income do they feed on? We know the labor market and economy weโre operating in. Letโs just be honest with ourselves guys ๐
Dear Bachelor,
Unless itโs business, property, family or health concern. Let go of things that leave you broke after spending money on them. Itโs ok to look away from things we canโt afford even if we want them so bad. Be cautious and intentional with your progress in life.
With the way rentals keep going up in Lusaka, I might just embrace staying in this flood zone and not wish for a rainy day. Because how did we get to K6,000 for an empty 2 bedroomed house with modern fittings that scream nothing but basic fittings ๐คทโโ๏ธ๐
#Livestock
Twitter. How many herds of cattle ๐ can one buy in an amount of around ZMW50k - ZMW100k. Whatโs the breed to go for on the Zambian market. Suggestions for goats are also welcome.
Thanks ๐ค๐
K25,000 is no small money. Your appetite/relationship with money may just be different.
If you bought shares on the London Securities Exc with K25,000 in Jan 2023 at price GBP4.23 today youโll have 318 shares @ GBP7.32 = GBP2,327.76 (K74,674.54)
This was my K36,000 subscr๐
For example this is what Iโm looking to do for my future kids.
1. A K100,000 bond investment for each child immediately they are born.
2. K50,000 worth of shares on each of their 5th birthday intervals
A lot more can be done. We just have to be responsible parents๐งโ๐ป
Malume, investing in ourselves means investing in the future and wellbeing of our children too. My understanding is that to create and get the full benefit of generational wealth we need to invest resources in skills training and acquire assets for our children early enough.
If I gave you K50,000 today and you have to give it back to me in 3 months. What would you do with the money and how much would you give back on top of the initial amount?
FINANCIAL LITERACY WEEK.
Mine is to subscribe to a future makers mindset. In doing so I take pride in planning and securing my future, creating an ability to meet short and long term financial goals through savings and investments. Happy Savings Month 3๐ฐ
#TheFutureOfInvestments
If fuel โฝ๏ธ prices go up my dating range automatically adjusts to a 500m radius. Anything beyond that will be considered as a long distance relationship. ๐ค๐
Birthdays bring us to a new reality where we simply celebrate growth and take up a new challenge. Iโm glad to have put my health stature in check and the challenge for me now is to maintain that physical and mental balance. Investing in my wellbeing is the word moving forward ๐งโโ๏ธ
The FIC reports actually confirms my view that very few individuals in Zambia make a LEGIT wealth list. Majority are born from these schemes weโre seeing being unearthed. They were there even in previous govts, we just didnโt have the machinery to expose them.
Here we go!! new age comes with big smiles. Happy Birthday ๐
Life is a beautiful adventure - how sweet that sounds. Creating an atmosphere that sees us grow in so many things.
The power to drive growth and model a life rests with us. โ
13th Aug 2023, Destiny amplified ๐๐ฅณ
The state was tasked with carrying out an investigation on the whereabouts of this individual. Fact that the individual has been found does not mean he is free from the threats he encountered on his life, therefore the state remains with the responsibility to safeguard his life.
The State has moved Emmanuel J. Banda to Maina Soko Military Hospital from privately run Medland Hospital, against the will of his family. The State has cited security concerns.
October 13, 2023. It is with great honour that I announce my election to the office of Vice President (PR) - Toastmasters Zambia SC.
A step forward to unlocking and creating great entrepreneurship and leadership minds. A toast to greatness ๐ฅ๐ฅณ
#Toastmasters
If Iโm gonna have a girlfriend Iโll need her to be business minded. When Iโm stressing about girlfriend allowance it must be things to do with clearing her stock with customs or financing an order where she is in short supply. Not money for nails, hair and what not ๐๐
Few weeks ago I was setting out a plan to run a project with capital injection of ZMW100k by mid 2025. Happy to say implementation is closer than I thought. December this year we going ahead to get 50% of it done โ๏ธ. Thatโs just how I want my life shaped. Assets on assets ๐๐ฐ๐ค
Iโve seen a very nice house kuma G-Greens area but now guys if a 2bedroomed house is being rented at K4,000 and above, how much are 3 and 4 bedroomed houses? How are people with families surviving in Lusaka on these rented houses ๐ก๐ณ
Building the next generation of millionaires. Imagine your child at 20 already worth over a million in investments. Thatโs the responsibility you and I need to take pride on. We are a construction sight for future generations ๐ง๐๏ธ๐งโ๐ป
You cannot use a pretty face to exhibit the value I desire in a potential partner. Iโll be attracted by that but will always prioritize your moral standards and what sits and comes out of your mind. You can be a pretty face outside but garbage inside. And thatโs not for me. ๐
Why are you waiting for Friday to get into groove mode when you can fellowship at free will.
A catch up with mwisho
@ShiMutale98
. The juices juice ๐ป
๐Grandaddys
That guy is not ok and someone needs to sit down and have a talk with him. There must be something he is mentally battling with and everyday he seems challenged by it. Such social media stunts are just not it and an innocent soul may end up paying lifetime price.
Looking at my life in the 30s with an 8 ASSET CLASS Investment challenge.
1. Govt Bonds
2. Corporate Bonds
3. Local & Foreign Equity
4. Pension & Insurance
5. Property
6. Livestock
7. Foreign Currency Term Deposits
8. AOB
Taking responsibility to actualise the dream ๐งโ๐ป
Malume, youโd be here thinking of a ZMW500,000 investment in livestock as a game changer kanshi for rich people this is just money for livestock feed.
@MoneyHasbulla
should have just left that thread in the drafts ๐คฆโโ๏ธ๐
That Milingoโs $24m left me with lots of questions. Just one case among the many dealings from the people we entrust to serve the country. A person amassing $24m from a less than 5 year service to the mine yet our people struggle to get even just K100,000 from CEEC. Iโm bang
2024 PERSONAL DEV PLAN (LONG TERM) NO.1: K50,000 investment in bonds annually. Doable โ
10years later: K500,000 secured in bonds. Aprox K536,000 received in coupon payments by 2033.
Savings on coupons + inv amount = K1,036,000 worth by 2033. Coupons continue beyond 2033 โก๏ธ
The 3C Principle: Choice, Chance and Change. You must make a Choice to take Chances if you want anything in life to Change. Letโs always aspire to grow and take that as a personal responsibility โค๏ธ๐ธ
Give me 10 more years of life and Iโll be able to raise an additional ZMW1,000,000 worth of investments. Break that down and itโs ZMW100,000 per year capital put into investments. A dream not far fetched. Supported by numbers in sight.
Letโs get back to this tweet in 2034 ๐ค๐
Yโall have an awesome and blessed week ahead. Itโs our universal given opportunity to make good of those things we hope to see and be part of. ๐๐ป
Lusaka is not a real place. 3 shows in 3days and someone has already chowed rent and upkeep money this side. Last hope ni 50odds on todays EPL closing fixtures.
The headache to make a living is wild ๐
So this here was my victory move. I dreamt of who I needed to transform into, took the step and made sure every move was a mark of greatness. Did I get it right? Damn!! Yes I did.
And Boy Oh Boy, I love you so much ๐
Dear Gents, you donโt owe anyone lobola money. Weโre all raised by parents and no one grew up in the hands of the government. There is no need for one side of the family to feel the need to be paid during the process of marriage. Itโs selfish.
Anyways snack throats are open ๐ค๐ค
And this looks like it for the first phase of my 5ha assignment
-Farmhouse (small unit) - 100,000
-Livestock - 70,000
-Crops - 25,000
-Equipment - 50,000
-Fencing - 20,000
-Piggery - 30,000
-Ops Expenses - 50,000
Total: K345,000 (balance K155,000 for contingencies)
Moving from a liability to an asset, aligning expenditure in order of priority, focus on growing the balance sheet and creating a stable cash flow. That has been me in 2023.
K150,000 secured in (retirement & health insurance) voluntary/personal savings. My job is not yet done.
Reserving myself a K10,000 for my upcoming birthday until I figure out what I need to do.๐ฐ๐ซก
Thereโs more reason to celebrate the things that have happened in this age before I transition into another space of life. The energy, the transformation and all. โจ๐ซ
Grateful ๐คฒ๐
Just because you grew up from a poor background doesnโt mean poverty is your calling. Understand that someone tried to raise you under difficult conditions. Youโre on your own now and all that can change. Pick up the right tools and apply the right mindset. You can fix this ๐งฐ๐ ๏ธ
Iโm about to take a shot. A ZMW130,000 additional investment shot into Govt bonds by 31st May. The objective is to create more real value for money, drive growth in the asset, healthy cash flows and a system for capital preservation on future investments. Yes, it will be done ๐ค
These days you have to be extremely careful and sensitive to who you date and decide to settle down with. Itโs the only way to try and keep yourself sane and mentally healthy if you canโt handle being single.
Thereโs a lot of stuff going on with this generation.
Listen Young King ๐, thereโs so much noise on the outside. And a lot other stuff going on. Donโt let any of that disturb your vibe and the will to give life to the dream that sits burning inside of you. Give it life, keep it alive
Being Malume, Iโm super proud โจ๐งโโ๏ธ
Dear Bachelor,
In the grand theatre of life, there is no excuse for men to remain complacent. We must be in constant pursuit for growth, self improvement and sustainability. Itโs a challenge on us and we have no other option if we are to live and enjoy life. Have a good one Kings
Itโs one thing to share a light moment with people but itโs another to remain aware that your life and society at large demand some level of input from you to drive growth and make an impact. Can we strive to be people who are passionate about driving positive growth
BENEFITS OF INVESTING IN BONDS
1. Employed Persons
-Provides additional income (coupons)
-Capital reserve for future investments
-Retirement income
2. Business Persons
-Additional capital Reserves
-Coupons to support business growth & stability
-Revenue to cover fixed costs
Etc
If 10 years of savings can give you ZMW1,000,000, imagine 10 years of investing. Thatโs a whole different story in the making. Letโs begin to develop good relations with money and soon we will have a wealth of life where money will begin to respond in our favor๐ฐ๐งโ๐ป