KingOligarchy
Senior Member
- Sep 28, 2013
- 130
- 351
Greetings wana Jamii forum,
Your Financial Advisor is here again, Naonda iphone 15 pro max imetoka. mtaani watu hawakai kwa amani mabinti wanasumbua na pia ppo want to get it chap chap, but quick question is Can u afford it. i will make an assumption that it cost 5,000,000 per 1 piece. inawez ikawa sio exact amount but let me use this to teach something.
sawli la Msingi:
can u afford buying iphone 15 pro max? answer is may be or it depends so to check this kama u can afford it ni kwamba ukinunua leo then ukaibiwa kesho how long will it take u to recover it? so for a simple way to check is when stolen or damage is unauwezo wa kununua nyingine chap hapo hapo.......... so am expecting u uwe na kama 10m za kuspend on mobile phone. but on the other scenario is uwe na uwezo wa kuilipia insurance kila mwaka mpaka thamani yake inapoisha , wenye tasnia za insurance wanajua calculation xao zikoje kwa mwaka.
such a liability right? a topic for another day.
Kwenye hii topic tukubalian vitu viwili , definition ya neno asset na definition ya neno liAbility
asset= kitu kinachoingiza hela
liability= kitu kinachokutoa hela
as simple as that , lets not add alot of nonsense kuchanganya watu, tukishakubaliana na hili turudi kwenye concrete formula ya how to buy a liability:
HOW TO BUY A LIABILITY:
SCENARIO 1: SOMEONE will take HArd earned cash na kununua straight iphone 15 (majority) , end of story the rest leave it to god:
SCENARIO 2: Acquisition of liability through asset income + preservation of wealth
Najua watu wengi wamekimbia hesabu ila kwa hapa tiwe pamoje,
if value of iphone is 5,000,000 (70% of X) ili wewe uwe na uwezo wa kuipurchase lazima uwe na atleast 100% of X
so by calculation x= 5,000,000 x 100/70
x= 7,143,000 approx 7,200,000
so this means lazima uwe na angalau 7.2 million kununua iphone 15 pro max, usiogope sijamaliza i will explain kila kitu.
ukiwa na 7.2 million utaenda kununua asset class moja ( kuna debt na equity ) lakini preferabke ni 25 years Bond
25 years bond woth of 7.2 million itakupa interest of 12.56% kwa mwaka. then utaenda kwenye commercial bank utanegotiate for security Loan ambapo watakupa only 70% ya value ya thamani ya bond yako , we say 7.2 maana yake ni 5m , hii tunaiita haircut kwa wale wa Financial institutions . so now ukipata hyo hela unaenda nunua iphone 15 pro max yako, after 6-8 years , loan inaisha bado unakuwa na iphone na bado unakuwa hela yako, so u just preserved your wealth .
All the rich people in the world use this technique to preserve wealth ndo maana rahisi sana kununua vitu expensive kwa kutumia hela za asset classes na sio hard earned money.
so formula iko hivi:
cash >>>>>>> Asset>>>>>> either debt or Asset income used to buy Liabilities.
with this formula kila ikifika mwezi wa kumi na mbili huwa najilipua sanaaaaaaa, na sababu nimeanza muda kila mwaka kuna hela inakuwa inamature so it becomes a circle , if i can you can do it.
THE OLIGARCHY
Your Financial Advisor is here again, Naonda iphone 15 pro max imetoka. mtaani watu hawakai kwa amani mabinti wanasumbua na pia ppo want to get it chap chap, but quick question is Can u afford it. i will make an assumption that it cost 5,000,000 per 1 piece. inawez ikawa sio exact amount but let me use this to teach something.
sawli la Msingi:
can u afford buying iphone 15 pro max? answer is may be or it depends so to check this kama u can afford it ni kwamba ukinunua leo then ukaibiwa kesho how long will it take u to recover it? so for a simple way to check is when stolen or damage is unauwezo wa kununua nyingine chap hapo hapo.......... so am expecting u uwe na kama 10m za kuspend on mobile phone. but on the other scenario is uwe na uwezo wa kuilipia insurance kila mwaka mpaka thamani yake inapoisha , wenye tasnia za insurance wanajua calculation xao zikoje kwa mwaka.
such a liability right? a topic for another day.
Kwenye hii topic tukubalian vitu viwili , definition ya neno asset na definition ya neno liAbility
asset= kitu kinachoingiza hela
liability= kitu kinachokutoa hela
as simple as that , lets not add alot of nonsense kuchanganya watu, tukishakubaliana na hili turudi kwenye concrete formula ya how to buy a liability:
HOW TO BUY A LIABILITY:
SCENARIO 1: SOMEONE will take HArd earned cash na kununua straight iphone 15 (majority) , end of story the rest leave it to god:
SCENARIO 2: Acquisition of liability through asset income + preservation of wealth
Najua watu wengi wamekimbia hesabu ila kwa hapa tiwe pamoje,
if value of iphone is 5,000,000 (70% of X) ili wewe uwe na uwezo wa kuipurchase lazima uwe na atleast 100% of X
so by calculation x= 5,000,000 x 100/70
x= 7,143,000 approx 7,200,000
so this means lazima uwe na angalau 7.2 million kununua iphone 15 pro max, usiogope sijamaliza i will explain kila kitu.
ukiwa na 7.2 million utaenda kununua asset class moja ( kuna debt na equity ) lakini preferabke ni 25 years Bond
25 years bond woth of 7.2 million itakupa interest of 12.56% kwa mwaka. then utaenda kwenye commercial bank utanegotiate for security Loan ambapo watakupa only 70% ya value ya thamani ya bond yako , we say 7.2 maana yake ni 5m , hii tunaiita haircut kwa wale wa Financial institutions . so now ukipata hyo hela unaenda nunua iphone 15 pro max yako, after 6-8 years , loan inaisha bado unakuwa na iphone na bado unakuwa hela yako, so u just preserved your wealth .
All the rich people in the world use this technique to preserve wealth ndo maana rahisi sana kununua vitu expensive kwa kutumia hela za asset classes na sio hard earned money.
so formula iko hivi:
cash >>>>>>> Asset>>>>>> either debt or Asset income used to buy Liabilities.
with this formula kila ikifika mwezi wa kumi na mbili huwa najilipua sanaaaaaaa, na sababu nimeanza muda kila mwaka kuna hela inakuwa inamature so it becomes a circle , if i can you can do it.
THE OLIGARCHY
