Too bad, that was a huge miscalculation.. lots of hints; Mexico with full home support 87K seats, opening game, ranking 14th vs Za 60th? South Africa were lucky to het away with 2 bruv, they stood no chance.. check out these craazy statsI am just pissed off 😡 coz I lost $100 betting on a draw … Southie boys were a big letdown. Bafana Bafana turned to Facana Facana …
Your still getting it wrong, There is nothing like an account(it doesnt exist) we only have ledgers to show that you have requested me to receive this much amount but not a real money, Yaani unachanganya sehem ndogo sanaUchambuzi wako ndugu stakehigh ni mzuri sana na umeenda ndani zaidi kwenye falsafa ya kifedha (Monetary Philosophy). Nakubaliana na wewe kwa asilimia 100 kwamba mfumo mzima wa kifedha duniani umejengwa juu ya misingi ya Imani na Mahusiano (Trust and Relationships). Fedha za sasa sio dhahabu, ni karatasi na namba za kielektroniki zinazopewa thamani kwa sababu serikali zimeamua iwe hivyo.
Katika post yangu ya awali sijawahi kudai kuwa SWIFT ni Database inayohifadhi fedha. Nilisema mfumo wa ujumbe (Messaging System) tu, na hapo tuko ukurasa mmoja.
Hata hivyo, screenshot yako ya kwanza uliyoweka inaeleza kiini cha hoja yangu vizuri sana kuliko maelezo yote. Naomba tuisome pamoja kwa makini pale kwenye mfano wa Bank of England:
Mfano wako unasema
Hilo neno From our account with you (Kutoka kwenye akaunti yetu tuliyonayo kwenu) ndilo linabeba ukweli wote wa kiuchumi. Ili Bank of England iwaambie Federal Reserve ya Marekani 'kateni Dola Milioni 100 kwenye akaunti yetu', ni lazima Bank of England iwe na akaunti kule Marekani, na hiyo akaunti iwe na kiasi hicho cha fedha, au iwe na makubaliano ya kukopa (Overdraft Facility) kulingana na dhamana walizonazo.
Ujumbe wa SWIFT hauji tu hewani bila kuangalia vitabu vya akaunti hizo za uwakala (Reciprocal Accounts). Kama Benki Kuu ya Tanzania (BoT) itatuma ujumbe wa SWIFT kwenda Benki Kuu ya Marekani au ya Ujerumani ikisema 'Tulipieni mabehewa ya SGR ya Dola Milioni 100 kutoka kwenye akaunti yetu', jambo la kwanza linalofanyika ni kuangalia kama salio la Tanzania (Foreign Reserves) lililopo kwenye akaunti hiyo linatosha. Kama halitoshi, ule ujumbe wa SWIFT unakataliwa kwa sababu hauna fedha za kuwianisha (Settlement Assets). Ndio maana nchi inahitaji kuwa na Akiba ya Dola (Foreign Reserves) halisi kule nje ili jumbe zetu za SWIFT ziheshimiwe (si “deni” wala “kubahatisha”. Benki ya Marekani haitakubali ahadi ya BoT kwamba “tutakulipa baadaye”. Lazima fedha ziwepo tayari).
Kuhusu masuala ya IMF, World Bank, na Nakisi ya Biashara (Trade Deficit)
A. Mikopo ya IMF haina dhamana ya majengo au viwanja (Collateral), lakini ina dhamana ngumu zaidi inayoitwa Conditionality (Masharti ya Kisera). IMF hawakupi fedha kwa sababu ya 'mahusiano mazuri' pekee; wanakupa kwa sababu umekubali kusaini masharti yao ya kubana matumizi, kuondoa ruzuku, au kupandisha kodi. Na ukishindwa kulipa, nchi yako inapoteza sifa ya kukopesheka duniani kote (Inaingia kwenye Default), jambo linaloua uchumi papo hapo.
B. Nchi 9 ulizozitaja (kama Ecuador, El Salvador, Palau, na Tuvalu) kwamba Marekani haiwezi kutuma fedha huko, ukweli wa kiufundi ni kwamba nchi hizo hazina sarafu zao za ndani; zinatumia Dola ya Marekani (USD) kama sarafu rasmi ya nchi yao (Kitaalamu inaitwa Dollarization). Marekani inatuma fedha huko kila siku kupitia biashara na misaada kwa sababu uchumi wao unategemea Dola hiyohiyo ya Marekani.
C. Shilingi ya Tanzania kupoteza thamani sio mchezo wa mabenki ya biashara tu (Commercial Banks Scheme). Mabenki ya biashara ni wafanyabiashara wa rejareja wa fedha. Kama nchi inapitisha miradi mikubwa inayohitaji kununua vifaa nje kwa Dola (kama SGR au Miradi mingine mikubwa), mahitaji ya Dola yanakuwa makubwa kuliko Dola zinazoingia nchini kutokana na mauzo ya dhahabu au pamba. Mabenki yakiona wateja wanaotaka Dola ni wengi kuliko Dola zilizopo, yanapandisha bei ya Dola. Hiyo ndiyo sheria ya asili ya soko (Supply and Demand) inayoshusha thamani ya Shilingi yetu.
Nakupongeza kwa uchambuzi wako wa kifalsafa. Ni kweli mifumo ya kibinadamu imeundwa kwa mambo mengi changamano (Complexities). Lakini pamoja na uchangamano huo, ili reli ya SGR ikamilike na mabehewa yaje, ni lazima BoT ihamishe Dola halisi zilizopo kwenye akiba yetu ya nje kwenda kwa muuzaji. Maelezo yako yanatupa picha nzuri sana ya jinsi mifumo ya kibenki inavyowasiliana kwa siri, lakini maelezo yangu yanatupa uhalisia wa jinsi uchumi wa nchi unavyoathirika mtaani pale Dola inapoadimika. Huu ni mjadala mzuri sana na wa kiwango cha juu mno!
MUNGU IBARIKI TANZANIA NA WATU WAKE
ASANTE KWA KUNISIKILIZA
hakuna unacho compete na ethiopia, wako mbali vibaya mno, well arranged city, electric trains kwa kifupi huyo sio ligi lako tafuta vinchi vingine vyenye slumsAddis ET buzzin!
The true Nairobi competitor in EA
View attachment 3605943View attachment 3605944View attachment 3605945
wap na wapAddis ET buzzin!
The true Nairobi competitor in EA
View attachment 3605943View attachment 3605944View attachment 3605945
msinishambulie jaman sjasema mmAddis ET buzzin!
The true Nairobi competitor in EA
View attachment 3605943View attachment 3605944View attachment 3605945
If you are serious inbox me …Living in America for too long got me lost a little bit on soccer .Its hard to predict when you have no inside knowledge of the current game situation . I only watch Kenyan national teams online, so I am behind current soccer developments . I am an expert though in baseball ⚾️ , basketball 🏀 and American football 🏈…On a serious note, I can help you with betting tips.
Check me out.
Sorry, I got blinded by the payout 🤣🤣🤣Too bad, that was a huge miscalculation.. lots of hints; Mexico with full home support 87K seats, opening game, ranking 14th vs Za 60th? South Africa were lucky to het away with 2 bruv, they stood no chance.. check out these craazy statsView attachment 3605942
It’s one of those chances you take . If Harambee stars was playing Spain 🇪🇸. I am sure the odds for Spain would be up to 90%…. I can bet $100 for Spain to win and the payout is $120 or take the risk and pick Kenya and by the grace from above , Harambee stars squeeze a 1-0 victory. Thats $100 turned into $10,000 in 90 minutes. Greed is to human …🤣🤣🤣🤣🤣Too bad, that was a huge miscalculation.. lots of hints; Mexico with full home support 87K seats, opening game, ranking 14th vs Za 60th? South Africa were lucky to het away with 2 bruv, they stood no chance.. check out these craazy statsView attachment 3605942
Ili kuondoa kabisa hili kutokuelewana na kuweka mambo sawa kitaalamu, ni muhimu kubainisha kuwa maelezo yako kuhusu uwepo wa daftari la mahesabu (Ledger System) na ukweli kwamba hakuna "fedha taslimu halisi" inayosafiri baharini ni sahihi kwa asilimia mia moja. Benki zote kuu duniani kwa sasa hazitegemei uwepo wa noti au vyumba vya kuhifadhia dhahabu ili kufanya miamala; badala yake, mifumo yote inafanya kazi kidijitali kwa kupitia mabadiliko ya namba kwenye screen.Your still getting it wrong, There is nothing like an account(it doesnt exist) we only have ledgers to show that you have requested me to receive this much amount but not a real money, Yaani unachanganya sehem ndogo sana
I have worked there and its upon you sasa kuskiliza nachokwambia ama what you want to believe, the process is simple
You want to buy SGR wagons from Korea: Before anything else you must have a working relationship with korea, after that you send a SIGNED SWIFT message to the central bank there, we need 100 wagons for the price of $1B, and thats all you need
Central bank of korea will automatically credit that company inaouza wagons real korea money and thats the end of the transaction, you dont need to have any amount nor any balance anywhere, likewise korea might want to buy fruits from tz , they will do the same to BOT
Hii ndo practical process, Nothing much or less than this, Take time nenda kachat na AI atakueleza the whole thing kama hauamini then sasa apo kazi kwako
🤣 I totally understand that you want it to make sense kwamba, Tanzania akituma ela kwenda korea there is an account somewhere yenye pesa za tanzania kwa dola zinatumika, sasa things dont work that way! You are explaining it in a way that you want it to make sense but dont try to understand it because it doesnt work that wayIli kuondoa kabisa hili kutokuelewana na kuweka mambo sawa kitaalamu, ni muhimu kubainisha kuwa maelezo yako kuhusu uwepo wa daftari la mahesabu (Ledger System) na ukweli kwamba hakuna "fedha taslimu halisi" inayosafiri baharini ni sahihi kwa asilimia mia moja. Benki zote kuu duniani kwa sasa hazitegemei uwepo wa noti au vyumba vya kuhifadhia dhahabu ili kufanya miamala; badala yake, mifumo yote inafanya kazi kidijitali kwa kupitia mabadiliko ya namba kwenye screen.
Hata hivyo, mtego mkubwa wa kiufundi unaoleta mkanganyiko katika mfano wako wa SGR ni dhana kwamba "akaunti hazipo" na kwamba Benki Kuu ya Korea itamlipa tu mzalishaji wake fedha za ndani (Won) kwa sababu ya kupokea ujumbe wa SWIFT kutoka Tanzania bila kuangalia salio lolote. Katika ulimwengu wa kweli wa usafishaji wa mahesabu ya kimataifa (International Clearing and Settlement), mfumo huo haufanyi kazi kwa mtindo wa "kula na kuaminiana" kiasi hicho, na hapa chini kuna ufafanuzi wa kina wa jinsi Practical Process inavyokwenda
1. Daftari la Mahesabu (Ledger) Haliwezi Kuwa na Namba Hewa
Ni kweli kuwa hakuna akaunti ya Physical Vault, lakini kuna akaunti za kisheria za uwakilishi zinazojulikana kama Nostro na Vostro Accounts. Benki Kuu ya Tanzania (BoT) inamiliki daftari la mahesabu (Akaunti) ndani ya Benki Kuu ya Marekani au mabenki makubwa ya kimataifa (kama JP Morgan au Citibank) ambapo namba za Dola za Marekani zinasomeka. Unapotuma ujumbe wa SWIFT (ambao ni mfumo wa ujumbe tu na sio fedha), ujumbe huo unakuwa na maelekezo ya kisheria yanayosema: "Kateni Dola Bilioni 1 kwenye daftari la akaunti yetu (Nostro Ledger) na mzipeleke kwenye daftari la Benki Kuu ya Korea". Kama daftari la BoT kule nje likionyesha kuwa salio letu la Dola ni sifuri au halitoshi, ule ujumbe wa SWIFT unakataliwa palepale kwa sababu hauna kile kinachoitwa Settlement Asset (Rasilimali ya Kusafishia Deni).
2. Kosa la Kufikiri Benki Kuu ya Korea Inalipa "Bure"
Katika mfano wako, umesema Benki Kuu ya Korea itamlipa mzalishaji wake wa mabehewa fedha za ndani (Won) papo hapo na muamala unaisha. Swali la msingi la kiuchumi ni hili: Je, Benki Kuu ya Korea inapata faida gani au inafidia wapi zile Won Bilioni kadhaa ilizompa mzalishaji wake? Benki Kuu ya Korea haifanyi kazi ya kutoa hisani kwa nchi za kigeni. Inamlipa mzalishaji wake Won kwa sababu upande wa pili, kwenye daftari la kimataifa, akaunti ya Korea imepokea umiliki wa Dola Bilioni 1 zilizokatwa kutoka kwenye Akiba ya Nje (Foreign Reserves) ya Tanzania. Korea inazihitaji hizo Dola Bilioni 1 kwenye daftari lao kwasababu kesho yake nchi ya Korea yenyewe ikitaka kununua mafuta ya ndege kutoka Saudi Arabia, haitatumia fedha yao ya ndani (Won), bali itatumia zile namba za Dola Bilioni 1 ilizozipata kutoka Tanzania kusafirishia deni lao kule Saudi Arabia.
3. Uaminifu (Trust) Unasimamiwa na Ukwasi (Liquidity), Sio Maneno
Ikiwa kila nchi ingeweza kutuma tu ujumbe wa SWIFT bila kuwa na salio halisi la Dola kwenye mabenki ya uwakilishi kule nje, nchi yoyote maskini duniani ingeweza kutuma ujumbe wa SWIFT wa Dola Trilioni 100 kwenda kununua ndege, meli, na silaha kisha ikasema "mabenki yaandikishane tu madeni kwenye Ledger kwa uaminifu wetu". Mfumo hauko hivyo. Uaminifu unaouzungumzia unakuwepo kwasababu kila Benki Kuu duniani inajua kuwa mwenzake ana akiba ya kutosha ya Dola (Foreign Reserves) ya kuweza kusafisha (Settle) lile deni mwisho wa siku.
Uko sahihi kabisa kuwa mchakato mzima ni wa kielektroniki na ni namba kwenye daftari (Ledger). Lakini marekebisho makubwa hapa ni kwamba huwezi kuandika namba hasi au ya kufikirika kwenye daftari la kimataifa bila kuwa na salio la rasilimali inayokubalika duniani (Dola) ya kuunga mkono namba hiyo. Shilingi yetu inapoteza thamani kwa sasa kwa sababu kila tunapotuma ujumbe wa SWIFT wa kulipia miundombinu kama SGR, tunalazimika kupunguza namba halisi za Dola zilizopo kwenye kapu letu la Akiba ya Nje, jambo linalofanya soko la ndani lianze kukosa ukwasi wa Dola na kupandisha bei yake dhidi ya Shilingi wetu mtaani.
MUNGU IBARIKI TANZANIA NA WATU WAKE
ASANTE KWA KUNISIKILIZA
Understand this screenshot hereumezoea commercial banks ukitoa ela ama kutuma ela lazima kue na pesa ndan but huku its different
alafu kingine a ledger is simply an excel sheet not a software tracking balances, Yaani kukuelewesha vizuri labda ni hivi
3. Uaminifu (Trust) Unasimamiwa na Ukwasi (Liquidity), Sio ManenoIli kuondoa kabisa hili kutokuelewana na kuweka mambo sawa kitaalamu, ni muhimu kubainisha kuwa maelezo yako kuhusu uwepo wa daftari la mahesabu (Ledger System) na ukweli kwamba hakuna "fedha taslimu halisi" inayosafiri baharini ni sahihi kwa asilimia mia moja. Benki zote kuu duniani kwa sasa hazitegemei uwepo wa noti au vyumba vya kuhifadhia dhahabu ili kufanya miamala; badala yake, mifumo yote inafanya kazi kidijitali kwa kupitia mabadiliko ya namba kwenye screen.
Hata hivyo, mtego mkubwa wa kiufundi unaoleta mkanganyiko katika mfano wako wa SGR ni dhana kwamba "akaunti hazipo" na kwamba Benki Kuu ya Korea itamlipa tu mzalishaji wake fedha za ndani (Won) kwa sababu ya kupokea ujumbe wa SWIFT kutoka Tanzania bila kuangalia salio lolote. Katika ulimwengu wa kweli wa usafishaji wa mahesabu ya kimataifa (International Clearing and Settlement), mfumo huo haufanyi kazi kwa mtindo wa "kula na kuaminiana" kiasi hicho, na hapa chini kuna ufafanuzi wa kina wa jinsi Practical Process inavyokwenda
1. Daftari la Mahesabu (Ledger) Haliwezi Kuwa na Namba Hewa
Ni kweli kuwa hakuna akaunti ya Physical Vault, lakini kuna akaunti za kisheria za uwakilishi zinazojulikana kama Nostro na Vostro Accounts. Benki Kuu ya Tanzania (BoT) inamiliki daftari la mahesabu (Akaunti) ndani ya Benki Kuu ya Marekani au mabenki makubwa ya kimataifa (kama JP Morgan au Citibank) ambapo namba za Dola za Marekani zinasomeka. Unapotuma ujumbe wa SWIFT (ambao ni mfumo wa ujumbe tu na sio fedha), ujumbe huo unakuwa na maelekezo ya kisheria yanayosema: "Kateni Dola Bilioni 1 kwenye daftari la akaunti yetu (Nostro Ledger) na mzipeleke kwenye daftari la Benki Kuu ya Korea". Kama daftari la BoT kule nje likionyesha kuwa salio letu la Dola ni sifuri au halitoshi, ule ujumbe wa SWIFT unakataliwa palepale kwa sababu hauna kile kinachoitwa Settlement Asset (Rasilimali ya Kusafishia Deni).
2. Kosa la Kufikiri Benki Kuu ya Korea Inalipa "Bure"
Katika mfano wako, umesema Benki Kuu ya Korea itamlipa mzalishaji wake wa mabehewa fedha za ndani (Won) papo hapo na muamala unaisha. Swali la msingi la kiuchumi ni hili: Je, Benki Kuu ya Korea inapata faida gani au inafidia wapi zile Won Bilioni kadhaa ilizompa mzalishaji wake? Benki Kuu ya Korea haifanyi kazi ya kutoa hisani kwa nchi za kigeni. Inamlipa mzalishaji wake Won kwa sababu upande wa pili, kwenye daftari la kimataifa, akaunti ya Korea imepokea umiliki wa Dola Bilioni 1 zilizokatwa kutoka kwenye Akiba ya Nje (Foreign Reserves) ya Tanzania. Korea inazihitaji hizo Dola Bilioni 1 kwenye daftari lao kwasababu kesho yake nchi ya Korea yenyewe ikitaka kununua mafuta ya ndege kutoka Saudi Arabia, haitatumia fedha yao ya ndani (Won), bali itatumia zile namba za Dola Bilioni 1 ilizozipata kutoka Tanzania kusafirishia deni lao kule Saudi Arabia.
3. Uaminifu (Trust) Unasimamiwa na Ukwasi (Liquidity), Sio Maneno
Ikiwa kila nchi ingeweza kutuma tu ujumbe wa SWIFT bila kuwa na salio halisi la Dola kwenye mabenki ya uwakilishi kule nje, nchi yoyote maskini duniani ingeweza kutuma ujumbe wa SWIFT wa Dola Trilioni 100 kwenda kununua ndege, meli, na silaha kisha ikasema "mabenki yaandikishane tu madeni kwenye Ledger kwa uaminifu wetu". Mfumo hauko hivyo. Uaminifu unaouzungumzia unakuwepo kwasababu kila Benki Kuu duniani inajua kuwa mwenzake ana akiba ya kutosha ya Dola (Foreign Reserves) ya kuweza kusafisha (Settle) lile deni mwisho wa siku.
Uko sahihi kabisa kuwa mchakato mzima ni wa kielektroniki na ni namba kwenye daftari (Ledger). Lakini marekebisho makubwa hapa ni kwamba huwezi kuandika namba hasi au ya kufikirika kwenye daftari la kimataifa bila kuwa na salio la rasilimali inayokubalika duniani (Dola) ya kuunga mkono namba hiyo. Shilingi yetu inapoteza thamani kwa sasa kwa sababu kila tunapotuma ujumbe wa SWIFT wa kulipia miundombinu kama SGR, tunalazimika kupunguza namba halisi za Dola zilizopo kwenye kapu letu la Akiba ya Nje, jambo linalofanya soko la ndani lianze kukosa ukwasi wa Dola na kupandisha bei yake dhidi ya Shilingi wetu mtaani.
MUNGU IBARIKI TANZANIA NA WATU WAKE
ASANTE KWA KUNISIKILIZA
Ndugu yangu stakehigh , ninafurahia sana jinsi unavyosimamia hoja yako, na naelewa vizuri sana unachokimaanisha unaposema kuwa mabenki ya kati yanatengeneza fedha (Money Creation) kupitia mabadiliko ya daftari (Ledger) na kwamba mchakato huo unategemea imani (Trust) bila kusafirisha fedha taslimu. Hapo uko sahihi, na ndio maana screeshot yako uliyoweka inathibitisha kuwa miamala ni mabadiliko ya kidijitali kwenye Computer.🤣 I totally understand that you want it to make sense kwamba, Tanzania akituma ela kwenda korea there is an account somewhere yenye pesa za tanzania kwa dola zinatumika, sasa things dont work that way! You are explaining it in a way that you want it to make sense but dont try to understand it because it doesnt work that way
Understand this screenshot here
View attachment 3605950
HAKUNA PESA YOYOTE INATEMBEA, BOT wakisema korea walipe yerpi merkez $2B then Korea has to do so, but its ebcause wana imani ya pamoja not because there is any money inside 🤣🤣, dont use the commercial bank narrative kwenye central bank, it doesnt work that way!
When the central Bank sends a swift message to any patner: THEY ARE CREATING MONEY not CREDITING,.... understand neno CREATING
Neno "Deduct" maana yake ni "Kata". Huwezi kuiambia Benki Kuu ya Marekani "kata Dola milioni 100 kutoka kwenye akaunti yetu tuliyonayo kwenu" kama kwenye akaunti hiyo huna salio la kutosha (Digital Balance). Ledger sio karatasi ya Excel ya kawaida ambayo mtu anaandika tu namba anazojisikia bila kuwa na rasilimali (Asset) inayounga mkono namba hizo.Ilisema "The Bank of England sends a SWIFT message saying: Please deduct 100 million dollars FROM OUR ACCOUNT WITH YOU."
I great at soccer.If you are serious inbox me …Living in America for too long got me lost a little bit on soccer .Its hard to predict when you have no inside knowledge of the current game situation . I only watch Kenyan national teams online, so I am behind current soccer developments . I am an expert though in baseball ⚾️ , basketball 🏀 and American football 🏈…
still can't be the biggest in Africa!3 wards ni your own imaginations we mzee.
Kaka stakehigh Kuna kitu kidogo sana unachanganya hapa - unachanganya uhuru wa benki kutengeneza sarafu ya ndani (Local Currency Credit) na vizuizi vya kisheria vya kufanya usawazishaji wa kimataifa (International Settlement Constraints).President of China we have just talked 0.001% of the banking industry itself, however even in the commercial banks it almost happens the same but in a slight different way! Think of it this way
If you ever went to take a loan at a bank, lets say $100M , in reality the BANK doesnt have that money, and it doesnt exist but what they will do is, just type it into the system that president of china has been approved of $100M loan, and you will go and use it pay for lets say workers, bills whatever way you think of it, the same same loan you took and paid to the workers, will be banked at the bank again maybe the same bank or maybe a different one
But after Banking it, Now the bank has $100M of the loans you took + another $100M deposited from the payment you made to pay bills which will also be used to loan to another person $100M, and the process continues till the initai deposit of the first person now means $1B in the economy and whats funny is, THEY CAN ALL SPEND IT because its LEGAL money! but where did the economy get the extra $900M from?
SIMPLE... NO WHERE!!
but even the last receiver of the payed amount can use it because its real money, he can buy for things and even send outside the country if he wants,
And now whats more FUNNY:
If everyone paid all the debts or central banks decided they want to use true accounts like you want, all the money on earth is gone, Because what was transfered before wasnt money but promises
Are all Kenyans this stupid ?We ni pumbavu, Serikali ya Singapore inaongozwa na Prime Minister, the president ni kama flower girl tu. Bongolala hamunanga akili, unadhani ju President anachagua PM eti sasa PM hana powers, read books bana, mupunguze ujinga. 😂 😂 😂