Mabuga.Jr

[Money Quotes @MoneyQuotesX]

If you don't respect small money, you'll never see big money.

[Sunday Victor @sundey_fx]

Muda = Utajiri.

Una saa 24 zilezile kama alizonazo Dangote.

Mtu wa kawaida hutumia siku yake hivi:

• Saa 3 kwenye mitandao ya kijamii
• Saa 2 kuangalia mpira
• Saa 1 kupiga umbea

= Saa 6 zinapotea kila siku
→ Saa 180 kwa mwezi
→ Saa 2,160 kwa mwaka

Badala yake,

[Akech Andrew @akech_andrew]

Aliko Dangote started a telecommunication company and failed.

He also started a textile company and failed terribly.

He started a Dangote Airlines and failed a few months later.

He then started a tomato sauce factory that also failed after a few months of operation.

Aliko Dangote this time started Dangote Millers which he failed to maintain and ended up selling it to South African company for $200m before buying it back at half the price he sold it.

This time Dangote started Dangote cement which became his first successful business. Sugar business followed and so did oil refinery.

Failing doesn't mean you won't succeed, it means you're learning.

[Dr. Hamisi Kigwangalla @HKigwangalla]

For Boys Only – Wale Fighters Wenzangu Tu, if you are faint-hearted ujumbe huu haukuhusu, beat it! 😆🤛🏾

1. Dream big. Believe. Think . Plan. Chukua hatua. Become. Usijizuie kufikiria makubwa. Kama unaweza kuota, unaweza kutimiza. Dunia ni ya wale wanaothubutu. #TeamBelieve

2. Marafiki wa kweli ni kama nyota – utawagundua unapozungukwa na giza. Si kila anayekusifia ni wa kweli, na si kila anayekukosoa ni adui. Jifunze kutofautisha.

3. Tengeneza thamani kwa wengine, utajikuta umepata thamani kwenye maisha yako. Ukianzisha biashara ama jambo lolote, faidisha wengi. Kubali kushirikisha wengine , hata kama unachobaki nacho ni kidogo — kama ni sehemu ya jambo kubwa, utakula kikubwa.

4. Kuna watu watahangaika kupunguza bei kwa mkulima maskini, lakini wakifika kwenye malls, bar na ama kwenye migahawa ya kifahari wanaacha na chenji kabisa. Fighter, lipa zaidi ya bei atakayokupa mkulima au mfanyabiashara mdogo. Saidia wanyonge kimya kimya, siyo lazima dunia ijue. Hii ndiyo sadaka/charity yenye utu ndani yake.

5. Ikitokea una mamlaka ama maguvu ya kumzabua mtu, jizuie kumnyima haki yake ya kulia.

6. Usionyeshe uoga mbele ya watu. Unapoongea na wakubwa kazini, usizidishe uchawa – unapojipendekeza kupitiliza, unajishusha hadhi. Unapoongea na wadogo zako kazini, usionyeshe ujuaji – badala yake, onyesha tabia njema na mtazamo chanya.

7. Ukiyapanga matofali moja juu ya jingine, unajenga ukuta. Kila hatua ndogo unayochukua leo ni msingi wa kesho yako. Usidharau mwanzo mdogo.

8. Usijifananishe na mtu mwingine. Kuwa wewe na neema zako. Kila mtu ana safari yake, changamoto zake, na baraka zake. Hujui mtu mwingine kapitia nini kufika alipo, wala anapokwenda.

9. Jifunze kuvua samaki, usiombe kupewa samaki. Ukipewa msaada leo, kesho utahitaji tena. Ukipewa maarifa, utaendelea kuyatumia milele. Kama umebarikiwa zaidi ya wengine, usiwadharau – wafundishe nao wajitegemee.

10. Piga push-ups nyingi kila siku. Piga squats na sit-ups. Uwe na strong and heavy handshake. Usimpe mtu mkono ukiwa umekaa. Simama. Kula nyama nyingi, mboga, na matunda. Lala vya kutosha ili akili yako iwe fresh, uwe mbunifu, makini na timamu. Cheka zaidi. Tabasamu. Penda sana, vumilia maumivu ya moyo. It’s okay. Soma vitabu, punguza screen time. Jifunze kitu kipya kila siku. Cheza michezo, tembea misituni, ipende nature. Fahamu historia yako. Jua utamaduni na asili ya kwenu. Wakumbuke waliotangulia mbele ya haki. Chukua muda wa kukaa kimya bila simu, bila story na mtu. Sali sana. Omba dua.

11. Kata marafiki wabaya. Kata tabia mbaya. Kata uzembe, ulevi, uvivu, uraibu, na upuuzi. Kata mwanamke anayekuzingua – maisha ni mafupi, usiyapoteze kwa drama.

#HK #Fighter #NjeYaBox

[Dr. Hamisi Kigwangalla @HKigwangalla]

Pareto Efficiency

Na Hamisi Kigwangalla.

Kuna mdau hapa X, baada ya kuandika kuhusu Game theory na Nash Equilibrium alipenda nimpe madini zaidi, nilimuahidi kuandika kitu juu ya Pareto Efficiency. Nimechelewa sababu ya kubanwa na majukumu. Hatimaye leo nimeweza kuandika kitu kidogo. Haya twende pamoja sasa!

Pareto efficiency imepewa jina hili kutokana na heshima ya mwanafalsafa Vilfredo Pareto, aliyeishi karne ya 19/20.

Pareto efficiency Inahusiana na jinsi rasilimali zinavyoweza kugawanywa kwa njia ambayo hakuna mtu anayeweza kufaidika zaidi bila kumdhuru mwingine. Hali hii inaonyesha mgawanyo wa rasilimali unaofikia usawa bora (optimal allocation).

Ili kufikia hili, hakuna mtu anayeweza kufaidika zaidi bila mwingine kupoteza kitu. Ni hali ya kusawazisha maslahi ya kila mmoja ili wote waendelee kwa amani.

Mfano Rahisi:
Fikiria kuna keki kubwa ya taifa inayowakilisha rasilimali za Tanzania - ardhi, madini, mapato ya kodi, na fursa za ajira. Sasa, vyama vya siasa vinawakilisha wananchi wenye mahitaji tofauti.

Katika mgawanyo wa keki hiyo:
1.Kuna wananchi wenye kipato cha chini (maskini), ambao wanahitaji kipande kikubwa cha keki ili kuboresha hali zao za maisha.
2.Kuna wananchi wa kipato cha kati, ambao wanahitaji keki ya kutosha kuendeleza juhudi zao za maendeleo.
3.Kuna wachache wenye kipato cha juu, ambao tayari wanayo keki kubwa lakini wanapendelea sera zinazowalinda dhidi ya kupoteza zaidi.

Katika mazingira haya, Pareto Efficiency inahakikisha kwamba mgawanyo wa rasilimali unafanyika kwa njia ambayo maskini wanapata msaada bila kuchukua fursa za kipato cha kati au kuvuruga uwekezaji wa matajiri.

Fikiria serikali ikitenga bajeti ya elimu: Ikiwa pesa nyingi zitatengwa kusaidia watoto wa maskini kupata elimu bure, familia maskini zitanufaika. Hata hivyo, kama fedha hizi zinachukuliwa kutoka kwenye miradi ya maendeleo ya uchumi, inaweza kuwazuia watu wa kipato cha kati kupata fursa za ajira.

Sisi wanasiasa kwa misingi ya vyama vyetu vya siasa tunapaswa kupigana juu ya azma yetu ya kuwahudumia wananchi kwa usawa na haki, na tunaweza kuitumia hii kusukuma wazo hili ili kuhakikisha inaweza kila kundi linanufaika: kwamba, Watoto wa maskini wanapata elimu ya bure bila ada,

Wakati huo huo, miradi ya maendeleo inaendelezwa kwa kutumia fedha zinazotokana na kupunguza matumizi yasiyo ya lazima serikalini.

Hii thinking inaendana na Ile methali kwamba: “Nyumba yenye matofali ya kila mmoja haibomoki.” Methali hii inasisitiza umuhimu wa kushirikiana kwa haki ili kila mmoja afaidike, kama ilivyo kwenye Pareto Efficiency.
#HK #Fighter #NjeYaBox #SiasaNiVitendo

[Sunday Victor @sundey_fx]

Jinsi ya kutengeneza $1,000 Kwenye biashara ya Forex Trading ndani ya siku 90 zijazo.

"Kwa kutumia smartphone yako"

-Uzi-

[LUSAJO @sajo_mwaihabi]

Mwaka huu umeplan kutoka nje ya Nchi?

If no, nakaushauri PLAN FOR IT.

If yes, anza ku-save Sasa hivi.

Tena ukiweza Anza na FREE VISA entrance Countries mf:-

1. Kenya
2. Uganda
3. Rwanda
4. South Africa (Jo'berg or Cape Town)
5. Botswana
6. Namibia

KUSAFIRI NJE NI AFYA!!

[Ndahani N. Mwenda @ndahani_mwenda]

How to Be Strong in 2025!

~ Create multiple income streams
~ Spend less than you earn
~ Learn new skills to be relevant
~ Focus on buying assets, not expenses
~ Stay away from bad loans
~ Create a strong network
~ Invest at least 10% of your income monthly
#AskMwenda

[SA @SalumAwadh]

FAMILY OFFICES

Why do Tanzanian and African rich families (financially) need to start thinking about family offices?

Family office is an entity that is established to help high networth individuals grow, preserve, and transfer their wealth to the next generations

What role does it play?

1. It provides wider wealth protection beyond trusts and wills
2. It manages estate planning and inheritance matters
3. It invests family assets
4. It takes care of all family tax issues
5. It takes care of all family legal matters
6. It takes care of succession planning of family businesses
7. It takes care of all charity work and family lifestyle.

Why is it important?

1. It helps reduce family disputes on who becomes the next CEO of the family business through proper grooming programs
2. It reduces/eliminates potential inheritance/estate disputes and court cases
3. It helps to plan and organize for proper and impactful charity work and giving back against this common showbiz.
4. It protects the future generations, you dont want your family to become destitute when you die. Do you?
5. It helps you planning and managing your tax matters
6. It helps protect your assets through onshore and offshore structures

Today there are 8,030 family offices worldwide, managing an estimated $3.1tn in assets. This figure is expected to grow 73% to $5.4tn by 2030, only 60 are in Africa.

[Dr. Hamisi Kigwangalla @HKigwangalla]

Juzi tulikuwa mitaa ya O’bay tunapiga chai kidogo na marafiki. Ikaja mada ya ushindani kwenye biashara, kwenye soko kubwa kama Dar Es Salaam. Tena kwenye Sekta ya burudani. Nikawaambia kuhusu John Nash na Game theory, na inavyoweza kusaidia biashara zao, wakafurahi sana kujifunza namna inavyoweza kuwa practical.

Wakati nasoma moja ya Masters zangu nilichukua additional courses za Strategy & Security, Decision making under uncertainty na The psychology of games and decisions. Zilikuwa kozi ngumu sana, zenye hesabu na theories ngumu ngumu sana based on complex algorithms and assumptions.

Moja ya theory iliyonisumbua kuelewa na niliyoipenda sana ilikuwa “Game theory” ya John Nash. Acha leo nikumegee kidogo.

Msingi wa Game Theory ya John Nash ni kuelewa jinsi watu au taasisi wanavyofanya maamuzi kwa kutegemea matendo ya au hatua wanazochukua wengine.

Nash Equilibrium ni hali ambayo kila mshiriki amechagua mkakati bora kwake, na hakuna mwenye motisha ya kubadilisha mkakati wake. Theory hii imeleta mapinduzi katika uchumi, siasa, na hata biolojia, kwa kuchanganua jinsi watu ‘wanavyoshirikiana’ au ‘kushindana’ katika mazingira tofauti.

Kwenye theory hii kuna msingi mmoja muhimu ujulikanao kama ‘Nash Equilibrium’ (ama kwa Tafsiri sisisi, ‘Usawa wa Nash’).

Nash equilibrium hutokea pale ambapo kila mshiriki kwenye mchezo (player in a game) huchagua mkakati bora zaidi kwake, kwa kuzingatia mikakati ya washiriki wengine.

Kwenye Nash Equilibirum, hakuna player ana motisha ya kubadili mkakati wake kwa sababu ya hofu ya kwamba, kubadilisha mkakati wake kunaweza kusababisha matokeo mabaya zaidi kwake mwenyewe. Mfano: kwenye biashara kila kampuni huweka bei ya bidhaa zake kulingana na bei za mshindani wake. Iwepo kila kampuni haina sababu ya kubadilisha bei zake, maana yake hapo wanakuwa kwenye Nash Equilibrium.

Mfano maarufu na rahisi zaidi wa Nash Equilibrium hujulikana kama ‘Prisoner’s Dilemma.’ Pengine huu mfano utawafanya hadi wenye vichwa vizito kuelewa. 😆

Katika Prisoner’s Dilemma, washiriki wawili wanakamatwa kwa uhalifu na wana nafasi mbili:
1.Kusalitiana, ama
2.Kukaa kimya.

Matokeo ya uchaguzi wao ni matatu:

Mosi, wote wakikaa kimya: Adhabu ndogo kwa wote.

Mbili, mmoja akisaliti na mwingine akae kimya: Msaliti anaachiwa, mwingine anapata adhabu kubwa.

Tatu, wote wakisalitiana: Adhabu kubwa kwa wote.

Kwa kuwa binadamu naturally ni kiumbe selfish sana, tukija kwenye Nash Equilibrium; kila mfungwa huchagua kusalitiana kwa sababu hilo ndilo suluhisho salama, hata kama ingewezekana kupata adhabu ndogo zaidi kwa kushirikiana (kukaa kimya). Binadamu atamsaliti tu mwenzake. Hii inaonesha jinsi watu binafsi hufanya maamuzi ya faida binafsi badala ya ushirikiano wa pamoja.

Ukijua theory kama hizi unakuwa unamjua vizuri binadamu na unakuwa na busara za kufanya maamuzi sahihi kwenye maisha yako ya kila siku, lakini unapata kuelewa wengine kwa nini wanafanya maamuzi kadri wanavyofanya.

#HK #Fighter #NjeYaBox

[SA @SalumAwadh]

My selected investment performance in 2024

1. Bitcoin: 124%
2. Commodities (coffee): 46%
3. NVIDIA stock: 182.3%
4. Emirates REIT: 138.6%
5. Twiga cement: -17.43%
6. TOL gases: 1.52%
7. Dow Jones Sukuk Index: 3.43% (USD)
8. S&P Global High Yield Sukuk Index: 7.60% (USD)

[Samatime Car Dealers Co Ltd @samatimemagari]

🎆Yes it a New YEAR 2025 we thank God for it..
.
Only For Subaru Lovers wa gari ndogo, unique + Economy hii inawahusu..
.
Nakuletea as a gift for New Year Subaru XV machine iliyofanya vizuri USA + Ulaya hasa U German na Canada..
.
Andaa kijiko tu supu hii hapa nyama ziko chini👇

[Benjamin Fernandes 🇹🇿 @Benji_Fernandes]

How to set goals for 2025 -- Thread ⬇️

Every year, I reflect on the importance of setting goals. It’s a practice that not only shapes my future, it keeps me focused and also ensures I’m not wasting the most precious resource of all: time. Wasted time, after all, is worse than wasted money. You can always earn back the money, but time? That’s a one-way street.

[SA @SalumAwadh]

Opportunities in construction industry in Tanzania (NBS)
- A multi-billion dollar industry.

1. 14.3m buildings, all these need repairs, maintenance, etc
2. Annual housing demand is 200,000+ units, all these need building materials
3. 3.4% are commercial buildings, all these need property managers
4. 90% are residential buildings, potential for turning some of these into airbnb
5. 12.8% of all buildings in Tanzania need major repairs
6. 67% of all buildings have been built on un-surveyed areas, opportunity for affordable housing on surveyed plots?
7. 83.3% of buildings are resided by owners, with only 9.2% for rentals, low awareness on “build to rent” opportunities
8. Professional services highly needed.

Grab your opportunity.

Visit us at Masaiti area, Mbweni A, Dar es salaam for tiles, sanitary ware, roofing, bathroom fittings, and kitchen cabinets.

Or call 0714 118 388

[SA @SalumAwadh]

Co-founder/Co-partner for your business.

Before bringing in a new co-founder /co-partner into your business when starting, make these things clear from day one.

1. Finances : Who makes the final financial decision

2. Hiring - Who makes the final decision on hiring

3. Ownership - Are you giving the new partner free shares? do they have to earn them? is it properly documented? clear that.

4. Spokesperson: Who speaks for the company, and who responds to investors? make it clear.

5. Vision - Is the new co-founder/partner buy into your vision? lack of common shared vision is a recipe for partners conflicts

6. Dividends- is the new partner ready to wait longer before you start paying yourself dividends? if they want instant gratification, dont bring them on board.

7. Do you have a proper way to fire them and reclaim your shares if they misbehave? sort that out first.

8. Skills: Do they bring complimenting skills? dont bring in your replica.

If they cant agree with these principles, start on your own, otherwise wait for conflicts and taking each other to court when business starts making money.

Dont fall into the trap of joint-decision making.

Once you grow, set up the board and graduate from founder’ syndrome

[LUSAJO @sajo_mwaihabi]

GOD IS REAL GUYS!!

MUNGU YUPO, TENA YUPO KAZINI! 🙌🏾🙌🏾🔥

Hustles zangu zote na mafanikio yangu yote ninazopata kwa NEEMA tu 🙆🏾‍♂️🙆🏾‍♂️

Sio Akili yangu, sio Ujuzi wangu, Wala Elimu yangu. Ni NEEMA NA KIBALI CHA MUNGU PEKEE!

We Muweke Mungu kwanza utaona matokeo yake.

[Ndahani N. Mwenda @ndahani_mwenda]

How to succeed financially?

Act Broke, Act as a Poor man!

Act like you can't afford bread until they find out you own a bakery.

#AskMwenda

[Cinema 4 You @cinema4yu]

Sio mbaya tukakumbushana kabla ya mwaka kuisha.

Men,

Umewahi kujiuliza ni nini inachukua kuwa mwanaume bora?

Jifunze kanuni 10 kama mwanaume.

Open Thread 🧵 👇🏾

[SA @SalumAwadh]

Shilingi kuongezeka thamani katika mabadilishiano na dollar (TZS appreciation).

Kwa kipindi cha mwezi mmoja, TZS ime appreciate kwa 10%+ vs USD.

Kwanini tunafuatilia?

1. TZ bado ni "net-importing country", kwamba tunaagiza zaidi kuliko kuuza nje. Mabadiliko yoyote yana athiri hifadhi yetu ya fedha za kigeni
2. TZ tuna "import" mafuta (petroleum products), mbolea (>70%), Ngano (90%), mafuta ya kupikia (>50%), n.k kwa kutumia dollar. Dollar ikizidi kupanda, inaleta “imported inflation”.
3. Mkopo wa nje (external debt) tunalipa kwa dola. Ikipanda, deni linaongezeka, TZS ikipanda, we spend less. U need less TZS to pay same amount of $ debt (the opposite is true).

TZS kupanda (dola kushuka) ni nzuri kwa uchumi.
Kwanini?
1. Kuvutia zaidi uwekezaji toka nje (currency risk is the biggest investors turnoff)
2. Kupungua kwa deni la taifa katika ulipaji, ku release pesa inayobaki kufanya shughuli nyingine za kijamii kama
afya na elimu. 67% ya deni la nje lipo in USD
3. Mtu binafsi aliyekopa kwa dola anapata nafuu kulipa, hasa yule anayepata mauzo kwa TZS
4. Kupungua kwa mfumuko wa bei wa kuagiza (imported inflation).

Hasara?
1. TZS ikizidi kupaa vs USD in the long run, "exports" zetu zinakuwa expensive. It favors more imports than exports
2. Importers walionunua vitu kwa USD, na ku "peg" faida katika "higher dollar exchange, kupata faida less au kupata hasara, as new imports will
be cheaper
3. Speculators against TZS be losing more blood in the street. Watch or stop the bleeding.

Kwanini TZS imepanda (dola kushuka)?

Possible factors.

Sababu za ndani (Possible internal factors)

1. Kuongezeka kwa uwekezaji (FDIs), zaidi ya $7B inflow in 2024.
2. Kuongezeka utalii (17% ↗️ in Oct)
3. Mauzo ya dhahabu nje (47% of all goods exports)
4. Mauzo ya mazao ya kilimo nje ($1.14B in Oct)
5. Kupungua kwa TZS Katika mzunguko??? dd vs ss?

Sababu za nje (Possible external factors)

1. Kushushwa kwa riba marekani (cutting interest rates), kumefanya dola ije nchi zinazoendelea kwa wingi kutafuta uwekezaji wenye faida zaidi. Increasing more dollar flow.
- Also reducing $ appeal
2. Trump effect? Favoring low valuation to boost exports in the long run? dollar dumping by holders?
3. $ lost by 2.5% against all major currencies in Q3, slight gain recently after jobs report
4. Post-covid recoveries not favoring $ as the only safe haven.

TZS inaendelea ku gain vs other major currencies pia.

Swali: Is this sustainable? bado tuna kazi katika ku invest zaidi kwenye fundamentals ili kupunguza dollar demand and volatility in the long run.

[Paul Bonaventure @Phbhimself]

Kuna kipindi niliwaambia kwamba mtawala yeyote ili afanikiwe ni lazima awe na maono, yaani utake usitake, ni lazima uwe na maono, usipokuwa na maono, unakuwa Mtawala Mpumbavu kuliko wote

Viongozi wengi katika dunia ya sasa hivi wamekosa maono, yaani wanaongoza tu bila kuwa na chochote kichwani, hawaangalii mbele kitatokea nini, iwapo kitatokea hiki, nini kifanyike?

Ukiona umekuwa kiongozi na huna hiki kitu kiitwacho maono, basi jua wewe utakuwa mmoja wa viongozi wapumbavu kuliko wote.

Wakati Marekani inaanza kupata nguvu, iliona kabisa adui yangu mkubwa atakuwa USSR hivyo ilikuwa ni lazima kuusambaratisha, walijua ndani ya umoja huo kulikuwa na nchi zaidi ya kumi.