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mkeiy
#21 Posted : Friday, February 07, 2014 11:25:25 AM
Rank: Member


Joined: 1/27/2012
Posts: 851
Location: Nairobi
stockshunter wrote:
Swenani wrote:
Richmondo wrote:
@Am..got me wondering what looks got to do with it. this Swenani chap seems to be a joker, and I am certain he's older than me....what with 'bombastically dedicating' stupid songs in this forum?...Swenani grow up or get out of here.


I would have insulted you but I don't insult strangers.
The only funny thing is that you can tell my age without asking but you can't invest you on money without asking too

Pray beggars have no choice but to humble themselves, if you weren't one you would not be soliciting for cheap advice on investment. How come you got 200k without any plans or it was a harambee? Then organize another one with 200k and you will come back still as an upcoming investor asking how to invest 1M.


@Stockshunter. Are you saying any penny that is not spend but not planned for should be squandered?
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PeterReborn
#22 Posted : Friday, February 07, 2014 12:24:47 PM
Rank: Veteran


Joined: 1/3/2014
Posts: 1,063
stockshunter wrote:
Swenani wrote:
Richmondo wrote:
@Am..got me wondering what looks got to do with it. this Swenani chap seems to be a joker, and I am certain he's older than me....what with 'bombastically dedicating' stupid songs in this forum?...Swenani grow up or get out of here.


I would have insulted you but I don't insult strangers.
The only funny thing is that you can tell my age without asking but you can't invest you on money without asking too

Pray beggars have no choice but to humble themselves, if you weren't one you would not be soliciting for cheap advice on investment. How come you got 200k without any plans or it was a harambee? Then organize another one with 200k and you will come back still as an upcoming investor asking how to invest 1M.
Applause Applause Applause Applause
Consistency is better than intensity
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kasibitta
#23 Posted : Friday, February 07, 2014 3:27:16 PM
Rank: Member


Joined: 2/7/2014
Posts: 155
@wendz advise seems the best so far.
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mkonomtupu
#24 Posted : Friday, February 07, 2014 3:35:28 PM
Rank: Veteran


Joined: 2/10/2010
Posts: 1,001
Location: River Road
webish wrote:
Wendz wrote:
mkonomtupu wrote:
Richmondo wrote:
I am an upcoming investor seeking to invest some 200k, but I'm torn between buying T/bonds and buying land in kajiado. Your rich advise is highly appreciated. Many thanks.


if you are upcoming put the cash in your sacco learn to leverage


Best advise ever! 200k would be 600k in another like 6 months and that is assuming you dont save anything else between now and that time... then you can do 2 times what you can do with 200k. Do not fear loans. Love them, but only good loans. food for thought.


@Wendz , which are the good loans? Anyone?


A good loan is one taken to purchase an appreciating asset. e.g. If you were to take a loan in 2012 of 600k to purchase an undervalued stock like KCB when it was at 23/- would give 25,000 shares. Total repayment of the sacco loan including interest at 12% p.a. and repayment period of 3 years would be 720K or about 20,000/= per month repayment. If you sold those 25k shares at current price of 44, that would work to 1,075,000/=. That's basically a good loan.

If you were to buy a depreciating asset e.g. a car for 600k, consider the costs of running it and you resell it for 300k. Now that's a bad loan
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mkonomtupu
#25 Posted : Friday, February 07, 2014 3:50:42 PM
Rank: Veteran


Joined: 2/10/2010
Posts: 1,001
Location: River Road
faa wrote:
Wendz wrote:
mkonomtupu wrote:
Richmondo wrote:
I am an upcoming investor seeking to invest some 200k, but I'm torn between buying T/bonds and buying land in kajiado. Your rich advise is highly appreciated. Many thanks.


if you are upcoming put the cash in your sacco learn to leverage


Best advise ever! 200k would be 600k in another like 6 months and that is assuming you dont save anything else between now and that time... then you can do 2 times what you can do with 200k. Do not fear loans. Love them, but only good loans. food for thought.


@wendz.nice advise for this jamaa.to join a sacco.

Let me ask you though...Would you advise him to put the 200k in a sacco and 6 months down the line achukue loan ya around 600k and invest in stocks with it?


Leverage works best when buying undervalued assets where the future value of the asset bought will be greater than the total cost of the capital i.e. debt + interest

If the guy can get undervalued shares whose future value would be above 720k assuming 12%p.a. interest repaid over 36 months and he has alternative means of repaying the loan at 20k per month. If the shares will not be valued less than 720K then do not leverage.

If you buy an expensive asset then the price comes down then you end up bankrupt unless you have alternative means of repaying the loan
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stockshunter
#26 Posted : Friday, February 07, 2014 7:42:13 PM
Rank: Member


Joined: 1/16/2014
Posts: 114
mkeiy wrote:
stockshunter wrote:
Swenani wrote:
Richmondo wrote:
@Am..got me wondering what looks got to do with it. this Swenani chap seems to be a joker, and I am certain he's older than me....what with 'bombastically dedicating' stupid songs in this forum?...Swenani grow up or get out of here.


I would have insulted you but I don't insult strangers.
The only funny thing is that you can tell my age without asking but you can't invest you on money without asking too

Pray beggars have no choice but to humble themselves, if you weren't one you would not be soliciting for cheap advice on investment. How come you got 200k without any plans or it was a harambee? Then organize another one with 200k and you will come back still as an upcoming investor asking how to invest 1M.


@Stockshunter. Are you saying any penny that is not spend but not planned for should be squandered?

definitely not. From his/her statement this is not a normal occurrence and that rule out earnings in excess of 200k if then it was savings s/he would have had an endstate in mind and s/he wouldn't solicite blank advice. Now to serious issues let the person invest his/her time in reading earlier investment threads in this site. There are numerous of them which contains tons and tons of valuable Information. s/he needs not to be lazy or else let the person pay somebody to read for him/her. I rest my case
fear makes people live a miserable life.
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icecube
#27 Posted : Saturday, July 19, 2014 4:44:37 PM
Rank: Member


Joined: 1/2/2008
Posts: 268
Location: Nairobi

Did this thread die? I was enjoying it.

@Richmondo, what did you eventually do with your Sh200K?
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