South Africans are complaining that we are taking their jobs and that there are no jobs. FIFA has given you a job on the field too you couldn’t do.
#México#SomosMéxico#VivaMéxico
@GodsonKankani When This Strategy Actually Works
It works if:
Your loan rate is BELOW your investment return
(Example: 8% loan, 15% investment, positive spread)
Or you have access to high-yield business returns (not T-bills)
Or inflation is very high and eroding your loan in real terms.
DONT LOSE FOCUS OF TJIS POST📌📌
You guys are making noise with the T-Bill ignoring the essence of the post.
The motive of the post is to open your eye on spending money upfront to buy a car where you can actually keep your money, INVEST and pay for the car in bits.
Find a credible venture, invest the 150k and use the interest you generate to settle the loan, is that simple.
MORE I just use the T-bill as an example.
You spread the repayment of the loan in a long term. I made mentioned of five years.
There is 60 months in 5 year, and if you are settling 4000 every month on the loan for five year, that sums up to 240,000 Ghana cedis. Which is more than enough to cover the loan and it interest.
Note, paying upfront, you lose your whole money but choosing the channel, you turn to still have your money and the car as well - meaning you bought the car for free.
Learned something new about money today 📍📍
If you make your first GH₵150,000 and plan to buy your first car, here's a smart move instead of paying cash upfront:
1. Deposit the full GH₵150,000 into your bank account.
2. Use that deposit as collateral to secure a car loan from the same bank (many Ghanaian banks allow this for fixed deposits or similar assets).
3. Take the loan to buy the car outright.
4. Spread loan repayments over 5 years or more (negotiate with your bank).
Your original GH₵150k stays in the account, accessible and earning interest. Invest it wisely in a low-effort way:
- Do Lazy man's investment: Treasury Bills
Split the GH₵150k into three parts (GH₵50k each).
Invest GH₵50k each month for 3 months in 91-day Treasury Bills (current rates ~9.9–10% as of Feb 2026).
Roll over (reinvest) principal every 3 months.
Right after the third month of your investment, you will get GHc3000 interest every month thus based on the current interest rate. Use the interest to service the loan every month till you finish settling the loan.
In theory, you would end up with both the car and your original money - essentially getting the car "for free".
Reality check (Feb 2026 rates):
- 91-day T-bills: ~9.9–10%
- Car loans: Typically higher (often 15–25%+ effective rate).
It works best if your loan rate is low (thanks to collateral) and you roll T-bills diligently.
🚗💰
If this was helpful, SHARE😊
Physiological Truths About Men Who Treat Their Birthdays Like a Normal Day
1. They’re used to doing life alone.
From childhood, nobody really made a big deal out of their special moments — so they learned not to expect anything.
2. They’re naturally low-maintenance.
Gifts, parties, noise — it’s never been their thing. Peace is their real celebration.
3. They pour into others more than they receive.
They’re the “strong one,” the one everyone calls… but when it’s their turn, they don’t want to feel like a burden.
4. They’ve learned to make themselves happy.
A quiet meal, a prayer, a moment alone — it’s enough. They’re used to creating their own joy.
5. They measure life in progress, not dates. To them, a new year is not about cake 🎂 it’s about whether they’ve grown, improved, or achieved.