Thursday, April 6, 2017


Current and future challenges and opportunities in Tanzania.

Tanzania has undergone impressive political and economic developments and improvements in social welfare in recent years. However, the country continues to face considerable development challenges, not least in essential areas such as economic distribution, population growth, corruption and a stronger division between party and state. At the same time, new opportunities are arising which have the potential to become decisive for the necessary changes and reforms.

Tanzania has been a macro-economic success story for nearly two decades. The rate of economic growth increased from 3.5 pct. in the 1990s to 7 pct. in the 2000s. Despite the global financial crisis, growth rates have been remarkably stable over the last decade, and they are expected to continue or even increase in the foreseeable future. At the same time, the country has experienced high population growth – from 11 million people in 1963 to around 45 million in 2012. Population growth remains high, at nearly 3 pct. annually. If this growth rate continues, there will be 53 million Tanzanians in 2018 and 100 million in 2042.
Economic growth and decades of massive international aid have created many good results, but it is important to recall that the growth began from a very low starting point and that poverty in Tanzania has proven extremely stubborn. With an annual GDP per capita of USD 532 (2011) and a Human Development Index rank among the lowest 20%, Tanzania is one of the poorest 15 nations in the world. More than two-thirds of the population live below the internationally recognized income poverty line of USD 1.25 per day and almost 90 pct. live on under two dollars per day. Around one-third live below the "basic needs poverty line" corresponding to around USD 0.96 per day.1 Measured by this limit, official poverty levels declined slightly from 39% of the population in 1992 to 34% in 2007, to 28% in 2012. Due to population growth, however, this relative decrease still means that the actual number of people living below the poverty line has remained relatively constant level of 11-12 million Tanzanians. Official surveys show a constant level of inequality from 2001 to 2007 (Gini 0.35). Other calculations, however, show a 20% increase in inequality in the same period.2 the degree of inequality can be illustrated by the fact that the richest 20% of Tanzania’s population accounts for 42% of total consumption, whereas the poorest 20% consume only 7%.

Tuesday, January 3, 2017


The economy is tight, yet people are still buying cars. People are opening new businesses. People are expanding new frontiers.

Stop complaining! You are the driver of your destiny. I have never seen anytime in the history of the human race when there are no hard times. Yet people made waves and affected their generation.

If you see anybody complaining, you see a frustrated lazy man or woman looking for cheap answers and solutions.

Nothing in life will ever come easy. I believe what we need in this period of recession is the drive to push until victory comes. FOCUS- Follow One Course Until Successful.

Many successful people had tried one thing or the other before they became successful.

Keep trying. If you fail, try again. If you fail again, try again. And as you keep trying in the right direction and at the right things, success will surely come.

I Have Never Seen A RICH Person Who Has Never lost Money But I Have Seen A Lot Of POOR People Who Have Never Lost A Dime and you know one too

The Primary Difference Between The RICH & The POOR Is How They Handle FEAR in Investment

Have a Positive mindset about investment. You can NEVER be Rich if you are too SCARED of losing Money

SALARY alone can not solve your money problems. You need Secondary Source of income to balance

SALARY is the MEDICINE for managing POVERTY, it doesn't CURE it. Only your BUSINESS or INVESTMENT Cure Poverty


Sunday, January 1, 2017


New year.
New habits.
New blessings.
New opportunities.
New chances.
New risks.
New conversations.
New energy.
New you.

Thursday, November 24, 2016


The strongest factor for success is self esteem. Believing you can do it, believing you deserve it, and believing you will get it!!

Thursday, November 17, 2016

Quote Of The Day

Believe that life is worth living and your belief will help create the fact.

~William James

(Read more at:

Sunday, December 13, 2015


Investment Analysis:

First Principles 

Invest in projects that yield a return greater than the minimum acceptable hurdle rate. The hurdle rate should be higher for riskier projects and reflect the financing mix used - owners’ funds (equity) or borrowed money (debt).
Returns on projects should be measured based on cash flows generated and the timing of these cash flows; they should also consider both positive and negative side effects of these projects. Choose a financing mix that minimizes the hurdle rate and matches the assets being financed. If there are not enough investments that earn the hurdle rate, return the cash to stockholders. The form of returns - dividends and stock buybacks - will depend upon the stockholders’ characteristics.

What is an investment or a project?

Any decision that requires the use of resources (financial or otherwise) is a project. Broad strategic decisions
  • Entering new areas of business
  • Entering new markets
  • Acquiring other companies
Tactical decisions
  • Management decisions
  • The product mix to carry
  • The level of inventory and credit terms
  • Decisions on delivering a needed service
  • Lease or buy a distribution system
  • Creating and delivering a management information system
What is Risk?

Risk, in traditional terms, is viewed as a ‘negative’. Webster’s dictionary, for instance, defines risk as “exposing to danger or hazard”. The Chinese symbols for risk, reproduced below, give a much better
Description of risk. The first symbol is the symbol for “danger”, while the second is the symbol for “opportunity”, making risk a mix of danger and opportunity

 A danger results into opportunity that create a living in a means of mind blowing/thinking on the way to earn a living.

"Think, Innovate, Create"

Wednesday, October 1, 2014


An investment opportunity is any situation where you have the option of purchasing something that has a chance to gain value in the future. Investment opportunities are different from investment prospects, which refer to possible future investment opportunities. The key to making money through investing is knowing which opportunities to take advantage of and how to manage them.

Investors who seek out investment opportunities will find no lack of options. Stock markets stay in business by marketing investment opportunities to buyers who put their money into companies with hopes that they'll grow. Government bonds are another source of investment opportunities, allowing buyers to loan money to the government in exchange for interest. Real estate is another type of investment opportunity, with the prices of homes and land constantly rising and falling. Other investment opportunities include classic automobiles, collectibles, foreign currencies and commodities, such as agricultural products and precious metals.
One of the ways to differentiate between investment opportunities is by examining the amount of risk each one represents. Economists refer to a given investment's likelihood to change its value as volatility. For example, stocks are highly volatile since new products and financial reports can make investors more or less willing to own shares in a company, causing the price to drop or rise. Government bonds, on the other hand, have a very low volatility and represent safe investment opportunities that have limited room for growth. Predicting volatility and accounting for risk are essential to making money consistently by investing.