Gomano

Yanga//Chelsea...

[Gomano @DGomano]

@Buberwa_ @shibobo___ @spireafrica Huyu anachambua mpira, achana na hao wanaochambua mpira, wanachambua viwanja, wanachambua Iriza na kila kilicho mbele yao…

[Gomano @DGomano]

@classymusictz @ayubu_madenge Kitendo cha Mama kwenda Russia kesho ni sababu tosha Tanzania kukosa sifa…. Tujiandae kwenda kenya

[Gomano @DGomano]

@PresenterNoah Mfuko ni dhamana yako mteja, mfuko nao ni bidhaa unauzwa kama bidhaa zingine

[Gomano @DGomano]

@mananajr_ Inaonekana pana mzunguko wa pesa mzuri

[Gomano @DGomano]

@goodlucknkinda @ayubu_madenge Iran wanaweka vitu wazi ili Dunia ione udhulumati wa Marekani, na hilo limewasaidia sana kuungwa mkono na ulimwengu..Maana wasingeenda zingepigwa propaganda za ajabu kuichafua Irani

[Gomano @DGomano]

@INFLUENCERjr @PresenterNoah @MtotoWaEliza Na Ukimsikikiza Jemedari vizuri haya maswali yake ni kama anaihoji wizara, kwamba ni faida gani nchi inapata kwa ujio wa huyu mtu….Ayo na Jemedari lao moja ila mmoja kashuka kunhogesha mjadala

[Gomano @DGomano]

@Sisimizi3 @_zack255 Mnafanya mkakati akumbukwe na CCM sio.

[Gomano @DGomano]

@ayubu_madenge Hakuna kinachotokea kwa bahati mbaya, kila kitu kimepangwa kwa ustadi

[Gomano @DGomano]

@mad_genius6 Changamoto alizozipata kwenye kiwanda cha Saruji ndio zilizomfanya ageukie Kenya

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@Rydx_017 @athanas_pius @Balyx_ @MissChelsea1221 @DullahTheking2 Ukiambiwa kuna fursa jua wewe ndio fursa

[Gomano @DGomano]

@TBoundBuses @LatraTZ Pale wanasiasa wanapokuwa ndio wamiliki wa mabasi

[Gomano @DGomano]

@HildaNewton21 @AbroadTanzania Binafsi nashauri Chadema waongee na John Marwa wamrudishie hela aliyolipia hiyo akaunt ili irejee mikononi mwao….kumsakama Marwa ni kumwonea hasa ukizingatia jamaa ni mwanamabadiliko mzuri tu

[Gomano @DGomano]

@Buberwa_ Pipi, bigijii, Biskuti zipo aina nyingi sana zinazouzwa 50…

[Gomano @DGomano]

@KagsLutty Hukuna hospitali unayoweza kuzuia kifo, muda ukifika utakufa tu…

[Gomano @DGomano]

@Mmaryjohnson1 @noeli_mbilinyi Kwa uzoefu wangu biashara ukianzisha January na ukafanikiwa kufika May, uhakika wa biashara hiyo kudumu na kusonga mbele huwa ni mkubwa sana

[Gomano @DGomano]

@AfricaFirsts @tzDiscovery Mwl Julias Kambarage Nyerere

[Gomano @DGomano]

@mombasa_mzee @Adventure_36 Kuna makubaliano nje ya mahakama, kifupi yanaongeleka

[Gomano @DGomano]

@DevanDarius @Narrowbeeflying 😂😂😂

[Gomano @DGomano]

@Infantry47 @TravisKitengo_ Kauli inatia hasira mkuu...

[𝕭𝖍𝖆𝖟𝖊𝖓𝖌𝖆 @bhazenga_]

I agree with your perspective, but ngoja nikupe perspective tofauti, sio ya kupingana kabisa, bali ya kuipanua akili kidogo.

Kwanza, asset sio lazima iwe cashflow today. Kuna assets za strategic positioning. Ardhi inaweza kuwa option, sio income. Ni kama insurance ya muda mrefu dhidi ya urban sprawl, population growth, na future infrastructure. Wengine hawainunui kwa cashflow, wanainunua kwa optional value.

Tatizo sio kununua kiwanja, tatizo ni kununua bila plan.

Kiwanja kikikaa pori miaka 10 bila matumizi yoyote, hiyo ni failure ya strategy, sio failure ya asset. Ardhi ni raw material. Haitakiwi kukaa tu, inataka kufanyiwa kitu. Lease, joint venture, warehouse ndogo, parking yard, container storage, farming ya mpito, hata telecom mast. Watu wengi hawajui hizi plays.

Pili, kwa mazingira ya Afrika, ardhi ni store of sovereignty. Mfumo wetu wa kifedha bado ni weak. Currency risk, policy risk, bank risk ni real. Kwa watu wengi, ardhi ni njia ya kusema “at least this one thing iko nje ya mfumo”. Sio optimal, lakini ni psychological hedge.

Tatu, si kila mtu anapaswa kuanza na cashflow assets. Kama huna stable income, high-risk liquidity assets zinaweza kukuchoma vibaya. Ardhi inawalazimisha watu wasiguse pesa ovyo, forced discipline. Ndiyo maana watu wengi wamefanikiwa kujenga nyumba baadaye kwa sababu walishaanza na kiwanja mapema.

Nne, comparison na hati fungani ni sahihi ki-theory, lakini kwa ground reality, si kila mtu ana access, trust, au uelewa wa instruments hizo. Ardhi ni simple, unaiona, unaishika, unaelewa. Behavioral finance matters.

Kwa hiyo conclusion tofauti ni hii:

Ardhi sio kaburi la pesa, ni tool. Inaweza kuwa asset au liability kulingana na strategy, timing, na uwezo wa mmiliki. Cashflow assets ni muhimu, yes. Lakini long-term land banking, ikiwa imefanywa kwa akili, pia ni sehemu ya wealth stack.

Shida yetu sio ardhi. Shida yetu ni kutokuwa na mfumo wa kufikiria kwa layers.

2026 haihitaji “cashflow only mindset”.
Inahitaji portfolio mindset. Cashflow, growth, protection, na optionality vyote vina nafasi yake.

Mtu anayemiliki kiwanja + ana income stream ana nguvu. Mtu anayemiliki kiwanja tu ana ndoto. Mtu mwenye cashflow tu bila assets ana stress ya kesho.

Balance ndio game.