Olivia
Online
caleb khang'ati
@khangati
Poetry and music above all
Joined August 2012
336 Following
109 Followers
3K Posts
بدلاً من قضاء ساعتين في مشاهدة نتفليكس الليلة.. شاهد هذا الفيديو التاريخي! 🎬
🚨 ملياردير جلس لمدة 42 دقيقة واستعرض كل الحيل النفسية التي تجعل الناس يفقدون أموالهم.. مجاناً بالكامل!
📌 شاهد المحاضرة الآن، احفظ التغريدة، وشاركها مع غيرك! 🔖👇
Instead of watching a 2-hour movie, watch this masterclass on wealth creation
Book mark it!!
@alan6_K @rundaStep12313 @VansoJ @bravinouko1 @mseemsima01 Accidents do not happen in slow motion. Average time is usually 5 seconds. How then would you determine this exact moment to jump off and in which lucky direction?
Harvard needs 8% return every year just to keep the lights on. 5% spending plus 3% inflation. Miss that number and buildings stop, professors leave, research dies.
40% of the operating budget comes from one portfolio. Not tuition. Not grants. One fund.
Jake Xia manages that fund's public markets. He also teaches the math behind it at MIT for free. One of the top five most-watched courses on OpenCourseWare. Millions of views. Almost nobody changed how they invest.
Every year he hands students a blank page. Build a portfolio. No rules. Someone writes 100% Apple. Someone writes rare coins. Confident picks. Same blind spot, every time.
Not one student asks the only question that matters: how much goes in each position. They all pick what to buy. Nobody sizes it.
Sizing is the entire job. The answer won the Nobel Prize. It's called the efficient frontier. Xia draws it on the board in under a minute.
Five equations sit underneath it. Compound growth. Present value. The geometric mean. The Rule of 72. Real return. All older than any bank on earth. All fit on a napkin. None behind a paywall.
A "guaranteed 5% bond" during 4% inflation is a 1% return. The industry doesn't hide this. It just hopes you never run the equation yourself.
The lecture is free. The napkin is free. The only thing that costs anything is not knowing.
How to invest KES 1M in Kenya?
1M in an Infrastructure bond yielding 13% will give you 130K per annum.
1M in a dividend king like BAT at the NSE will give you 118K per annum after taxes. (Current div yield of 12.5%)
1M in a MMF with an annual yield of 10% will give you a return of 87K after taxes.
1M in a special fund with a net return of 17% will net you a return of 170K after taxes
1M in SACCO savings with a rebate of 10% will give you 95K after taxes.
1M in the average rental property in Kenya (8% return from rental income, with 90% plus occupancy) will give you 75K after taxes.
1M in your bank savings account will earn you a very big ZERO after a whole year
Where are you investing your money?
Instead of spending 2 hours on a movie...
Spend 1 hour watching this Anthropic Claude for Finance lecture.
It might be the most valuable free resource on quant AI available right now.
Bookmark it, make time for it today, and thank yourself later.
To Watch
INSTEAD OF WATCHING NETFLIX TONIGHT. Spend 2 hour with this.
Claude AI FULL COURSE that teaches you how to BUILD and AUTOMATE anything.
The people who watch this tonight will wake up tomorrow with a new skill. Watch it and bookmark it now.
Cc : Respective Author
Ten million people have watched an MIT professor accidentally destroy the executive coaching industry.
He filmed the lecture once in January 2018 and died eighteen months later.
Executive coaches charge fifteen thousand dollars a session to teach a third of what he covered in one hour for free.
His name was Patrick Winston. He ran the MIT Artificial Intelligence Laboratory from 1972 to 1997 and wrote the AI textbook every computer science major in the world read for thirty years.
Every January for four decades, he gave a lecture called "How to Speak."
His entire framework fits on a napkin.
Do not read. Be in the image. Keep images simple. Eliminate clutter. Start with an empathetic connection. End with a punch line the audience can repeat over dinner. Never open with a joke. Never end with "thank you."
That last rule alone has probably cost the executive coaching industry a hundred million dollars.
"Your success in life will be determined largely by your ability to speak, your ability to write, and the quality of your ideas. In that order."
That is the actual opening line of the lecture. Winston believed it strongly enough to spend fifty years teaching computer scientists how to talk.
Founders spend $80,000 on an MBA and then hire a communications coach to teach them the same material Winston filmed once for free. Engineers write brilliant code and lose promotions to teammates who watched this lecture on the train.
The lecture is free on MIT OpenCourseWare. The textbook is free on his page.
Winston died in 2019. Almost none of the ten million viewers have actually implemented the four rules on the napkin.
The napkin is free. The willingness to actually use it in your next meeting is the entire edge.
this...
A billionaire went on stage and explained in 42 minutes how the entire economy works. for free. Wall Street spent the next decade pretending nobody saw it.
he didn't sell a course. he didn't plug a fund. he stood at a whiteboard and drew three lines that explain every crash, every recovery, and every rate decision since 1929.
MBA programs charge $200,000 to teach frameworks he covered in the first 15 minutes. six of the models he drew on that board are still classified as proprietary at three major banks. he gave them away on YouTube.
the part nobody talks about: he predicted exactly what happened in 2020, two years before it played out. interest rates hitting zero, the central bank running out of tools, the money printer. he drew it on a whiteboard in 2018 like he was reading tomorrow's newspaper.
a portfolio manager at a top-five firm told me every new analyst on his desk watches this before they're allowed to open a terminal. not the CFA prep. not the internal training. this one lecture.
40 million people have seen it. almost none of them can name the three forces he draws in the first ten minutes.
it is still free.
@_onlypatriot @ookojarongo @Bossyator You cannot be an engineer without being intelligent. It demands a lot of thinking and creativity to be literate to a level of engineering.
Dr. Andrew Mullei recalls being put on the spot by President Kibaki, a fellow economist, to explain how you determine a supply curve and passing. He also revisits the IMF's warning that converting a coffee-export windfall straight into shillings would stoke inflation.
This is very insightful
KRA claimed a company had promised to pay 300,000 tax. The company swore it never did.
The High Court had to intervene.
There is a company called Gebery Limited.
KRA officers from Thika station visited Gebery for a random tax compliance check. They forcefully tried to enter the premises, but the owner resisted and denied them entry.
They retreated.
In the evening, KRA sent Gebery an offence notice. Claiming that, when officers had "accessed" the premises, they found the company not keeping proper accounting records.
The director protested the offence in writing.
KRA then summoned her to the Thika station and ordered her to bring the company's accounting records. She sent her tax representative, Mapesa, with the documents.
A week later, KRA called again, inviting Gebery for a meeting to "close the file."
When Mapesa arrived, he was handed a form to sign. It reads 'Request for Settlement'.
As Mapesa is about to sign the form. Akaona Mapesa zimeandikwa hapo ndani. 300,000 shillings. Akaanza kutetemeka mikono. Mapesa akasimama.
He refused to sign. Saying he had no instructions from the director to request a settlement, and immediately walked away.
For context, when KRA believes a taxpayer has committed a tax offence, it may prosecute them in court. However, the taxpayer can admit the offence and request to settle it out of court. That's what is called a settlement or a plea deal.
• Lesson 1: Names are powerful. Choose your sons' and daughters' names carefully.
When Mapesa left, KRA became even more dramatic.
It posted the 300,000 settlement into Gebery's iTax account and demanded payment.
The director objected, arguing that the company had never admitted committing any offence or authorized anyone to request a settlement.
KRA rejected the objection, insisting that Mapesa had signed the settlement form and that the penalty was final.
Gebery ran to the High Court, arguing that KRA had imposed the 300,000 fine without following the law.
The law requires four things before KRA can issue a tax settlement order:
- The taxpayer must admit the offence in writing.
- The taxpayer must request KRA to settle the matter.
- The request must be reviewed by a KRA committee.
- KRA must issue a written settlement order.
The judge asked KRA to produce Gebery's written letter requesting for settlement. It wasn't there.
The judge asked for the committee minutes approving the settlement. They did not exist.
The judge concluded KRA's order for settlement and the subsequent objection decision to be unfair, unreasonable, procedurally flawed, illegal, and unconstitutional.
Gebery was ordered to pay nothing.
KRA was ordered to delete the 300,000 demand from Gebery's iTax account.
Case closed.
• Lesson 2
- Never sign any document at KRA simply because an officer asks you to.
Seek tax advice first.
- If you send a representative, give them clear instructions on what they can and cannot sign.
- Sharp boys and girls are everywhere. Be watchful.
For lessons, reference, cosnistency
Investing in the stock market is not that hard
Picking the stock to buy is not also hard
Tafuta ile inagrow its earnings by 5-15%
Tafuta ile inapeana dividend consistently
Tafuta ile inapeana dividend iko above 7%
You will never go wrong.
Make it a habit to buy 1000 shares every month. Liwe liwalo. In a year you will have 12000 shares. In 10 years you will have 120,000 shares.
Assume in those 10 years the share now costs 200 Bob. You will have Kshs 24 Million
Ama mtasema 24 Million itakuwa pesa kidogo 2036!
We learn everyday
I watched a video done by a cancer researcher on why one shouldn’t spray their perfumes on the neck and it was worth it. The neck is one of the highest blood flow on the body. Its skin is very thin which means fragrances and chemicals get absorbed faster and deeper. She explains most of the perfumes and cosmetic products have endocrine disruptors which mimic or block our hormones. Most studies link them to infertility, respiratory problems and cancer.
Dear Beginner Investor,
Look for GEMS when choosing investments
G - Growing industry - Is the company operating in a sector with strong future potential?
E- Earnings growth - Is the business consistently growing its profits?
M - Management credibility - Are the leaders competent, trustworthy, and focused on creating value?
S - Superior products & services - Does the company offer products or services that customers value and demand?
KRA has graduated to a magician.
There was a real estate company called Bristol Estate limited. They excelled in flipping real estate.
By 2020, cash had dried up. They could not continue. Worse still, they owed KRA 475 million shillings.
The directors called for an emergency meeting. Then one director stood up and proposed. Let's dissolve the company.
They all said, perfect. Kill the company. Do it. Fast.
As they are doing all this, they are not aware of one dangerous sentence, sitting quietly in the companies act. It says:
• A company that has applied for dissolution must immediately give a copy of the notice to its creditors.
Why? Because the law gives creditors a chance to object before the company disappears. To protect themselves from losses.
Bristol quietly dissolved the company. They never informed their hungriest creditor, KRA.
The clock started ticking. Bristol tax returns stopped hitting KRA servers. KRA became suspicious.
KRA called the company. No answer. Eventually they reached one of the directors.
The greetings were warm. Until the caller said: This is KRA.
The director immediately switched to his Italiano: Fratello KRA, non ti capisco.
KRA replied: Hizo ni gani tena umeanza bro? We were talking just fine. Let's continue in English.
The director insisted: Non ti capisco.
KRA ignored the drama: We want our 475 million that your company owes us.
Director responded. Which company? We closed it years ago. Didn't you read the Kenya Gazette?
KRA asked: What are you saying? How can you close with our money? 475 million? Aje?
KRA rushed to the gazette. It was true. Bristol Estate Ltd had officially ceased to exist.
KRA retreated to Times Tower and embarked on a fault finding mission.
How can a company die with Caesars money?
In 2023, KRA remembered that one dangerous sentence. You remember it?
• A company applying for dissolution must notify its creditors.
KRA had never received that notice.
They immediately ran to court.
They argued: My lord, we were owed 475 million. We were a legit creditor. Bristol could not lawfully dissolve itself without notifying us. Please resurrect it.
The court agreed. The company had been dissolved through a defective process.
The judge ordered the company registrar to bring Bristol Estate Ltd back from the dead.
Not so it could sell houses. But so KRA could collect its 475 million in taxes.
Case closed.
Lessons.
- Closing a company does not automatically erase its tax debts.
- Before dissolving a company, notify all creditors. Including the hungriest creditor of them all, KRA.
- If the dissolution process is defective, the court can resurrect the company.
KRA has graduated to a magician.
There was a real estate company called Bristol Estate limited. They excelled in flipping real estate.
By 2020, cash had dried up. They could not continue. Worse still, they owed KRA 475 million shillings.
The directors called for an emergency meeting. Then one director stood up and proposed. Let's dissolve the company.
They all said, perfect. Kill the company. Do it. Fast.
As they are doing all this, they are not aware of one dangerous sentence, sitting quietly in the companies act. It says:
• A company that has applied for dissolution must immediately give a copy of the notice to its creditors.
Why? Because the law gives creditors a chance to object before the company disappears. To protect themselves from losses.
Bristol quietly dissolved the company. They never informed their hungriest creditor, KRA.
The clock started ticking. Bristol tax returns stopped hitting KRA servers. KRA became suspicious.
KRA called the company. No answer. Eventually they reached one of the directors.
The greetings were warm. Until the caller said: This is KRA.
The director immediately switched to his Italiano: Fratello KRA, non ti capisco.
KRA replied: Hizo ni gani tena umeanza bro? We were talking just fine. Let's continue in English.
The director insisted: Non ti capisco.
KRA ignored the drama: We want our 475 million that your company owes us.
Director responded. Which company? We closed it years ago. Didn't you read the Kenya Gazette?
KRA asked: What are you saying? How can you close with our money? 475 million? Aje?
KRA rushed to the gazette. It was true. Bristol Estate Ltd had officially ceased to exist.
KRA retreated to Times Tower and embarked on a fault finding mission.
How can a company die with Caesars money?
In 2023, KRA remembered that one dangerous sentence. You remember it?
• A company applying for dissolution must notify its creditors.
KRA had never received that notice.
They immediately ran to court.
They argued: My lord, we were owed 475 million. We were a legit creditor. Bristol could not lawfully dissolve itself without notifying us. Please resurrect it.
The court agreed. The company had been dissolved through a defective process.
The judge ordered the company registrar to bring Bristol Estate Ltd back from the dead.
Not so it could sell houses. But so KRA could collect its 475 million in taxes.
Case closed.
Lessons.
- Closing a company does not automatically erase its tax debts.
- Before dissolving a company, notify all creditors. Including the hungriest creditor of them all, KRA.
- If the dissolution process is defective, the court can resurrect the company.
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