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Rank: New-farer Joined: 11/16/2015 Posts: 39 Location: Nairobi
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@Ebenyo u have hit the nail by the head and thank you.Your analysis is spot on, i dont think i would breakdown this way as yet, hope to get to this level of analysis soon. Am no expert in this field and wazuans have moulded me in many aspects and for that am deeply greatful @Enyands, i have already, thanxs to wazuans i boarded SIC, i believe sometime in may last year. I read all your posts on the the SIC thread. Barikiwa tufanane
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Rank: Elder Joined: 7/22/2009 Posts: 7,640
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snifadog wrote:i agree with you, but i advise that you leave some responsibilities to 'specialists' i.e. the insurers. it is not advisable to manage all the aspects of your financial planning.
re: insurance policy returns, using football as an analogy, insurance is the defence/keeper, savings are the midfield, stocks/investments are the strikers. so, set your finances up accordingly. Sounds like phrase straight out of the one week training for Insurance sales people. But it is true. Certain insurance policies - like health, motor vehicle etc. - can protect you from financial ruin! Never count on making a good sale. Have the purchase price be so attractive that even a mediocre sale gives good returns.
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Rank: Veteran Joined: 4/4/2016 Posts: 1,997 Location: Kitale
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@Emerger and @Enyands,thanks for your compliments.Im still learning,hopefully i will grow as times goes by. Towards the goal of financial freedom
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Rank: Veteran Joined: 4/4/2016 Posts: 1,997 Location: Kitale
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@maichblack,can u please share your current portfolio with us? its nice for learning purpose.Everyone holds the final buy/sell decision though. Towards the goal of financial freedom
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Rank: Veteran Joined: 4/4/2016 Posts: 1,997 Location: Kitale
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merkava wrote:@Ebenyo u have hit the nail by the head and thank you.Your analysis is spot on, i dont think i would breakdown this way as yet, hope to get to this level of analysis soon. Am no expert in this field and wazuans have moulded me in many aspects and for that am deeply greatful
@Enyands, i have already, thanxs to wazuans i boarded SIC, i believe sometime in may last year. I read all your posts on the the SIC thread. @Markava,welcome my brother.As i said earlier,im also still learning.I will only get better as time goes by.Im only three months old here but i have really learnt a lot.I wish ningejua this site earlier.Its good to learn from each other. The idea of saccos does not work for me.I want my money to work for me.Not to give someone else my money to invest on my behalf.That way i loose my sense of creativity and freedom.My two other passions beside stocks are Treasury bond and Real estate. Towards the goal of financial freedom
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Rank: Elder Joined: 12/25/2014 Posts: 2,301 Location: kenya
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Ebenyo wrote:merkava wrote:@Ebenyo u have hit the nail by the head and thank you.Your analysis is spot on, i dont think i would breakdown this way as yet, hope to get to this level of analysis soon. Am no expert in this field and wazuans have moulded me in many aspects and for that am deeply greatful
@Enyands, i have already, thanxs to wazuans i boarded SIC, i believe sometime in may last year. I read all your posts on the the SIC thread. @Markava,welcome my brother.As i said earlier,im also still learning.I will only get better as time goes by.Im only three months old here but i have really learnt a lot.I wish ningejua this site earlier.Its good to learn from each other. The idea of saccos does not work for me.I want my money to work for me.Not to give someone else my money to invest on my behalf.That way i loose my sense of creativity and freedom.My two other passions beside stocks are Treasury bond and Real estate. Ebenyo you are right about saccos though on my side I use it for stability purposes.an example is like safaricom inv. sacco.3 yrs ago they gave us a whooping return of 31%.they retain a certain percentage and hand you the rest .Last year was 21%.With that I can comfortably plan for my kids school fees every year hence (stability planning ). With stocks when it goes down no gains and when it goes up then you get much gain . So with sacco they deal with core or fundamentals of investing.they are rarely affected by the bear nor are they affected by the bull. But as I said it's everybody's prerogative how they invest but what works for me is investment saccos as a cushion against stocks shocks when they head south
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Rank: Veteran Joined: 4/4/2016 Posts: 1,997 Location: Kitale
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enyands wrote:Ebenyo wrote:merkava wrote:@Ebenyo u have hit the nail by the head and thank you.Your analysis is spot on, i dont think i would breakdown this way as yet, hope to get to this level of analysis soon. Am no expert in this field and wazuans have moulded me in many aspects and for that am deeply greatful
@Enyands, i have already, thanxs to wazuans i boarded SIC, i believe sometime in may last year. I read all your posts on the the SIC thread. @Markava,welcome my brother.As i said earlier,im also still learning.I will only get better as time goes by.Im only three months old here but i have really learnt a lot.I wish ningejua this site earlier.Its good to learn from each other. The idea of saccos does not work for me.I want my money to work for me.Not to give someone else my money to invest on my behalf.That way i loose my sense of creativity and freedom.My two other passions beside stocks are Treasury bond and Real estate. Ebenyo you are right about saccos though on my side I use it for stability purposes.an example is like safaricom inv. sacco.3 yrs ago they gave us a whooping return of 31%.they retain a certain percentage and hand you the rest .Last year was 21%.With that I can comfortably plan for my kids school fees every year hence (stability planning ). With stocks when it goes down no gains and when it goes up then you get much gain . So with sacco they deal with core or fundamentals of investing.they are rarely affected by the bear nor are they affected by the bull. But as I said it's everybody's prerogative how they invest but what works for me is investment saccos as a cushion against stocks shocks when they head south Your point is good.The rule of thumb in wealth creation is to diversify.No one single investment is a sure thing.My ultimate goal in roping in returns will be like this: Investment %return 1.Stocks 4 2.T.bond 13 3.Real estate 18 Total 35 Annual average returns 12 with inflation rate at 6% my purchasing power will be fine. So if you will have 1.stocks 2.Sacco and 3.one other investment. you will be fine. Towards the goal of financial freedom
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Rank: Elder Joined: 12/4/2009 Posts: 10,786 Location: NAIROBI
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http://www.businessdaily...16236-10fjpem/index.htmlWealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
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Rank: Elder Joined: 7/21/2010 Posts: 6,192 Location: nairobi
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Ericsson wrote:http://www.businessdailyafrica.com/Corporate-News/KCB-takes-over-Mombasa-tycoon-company-in-Sh1bn-bad-debt/539550-3316236-10fjpem/index.html i was salivating at nic,could this bring it down abit for me to get at 25?i don't think nic is doing well on that loan book "Don't let the fear of losing be greater than the excitement of winning."
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Rank: Veteran Joined: 4/4/2016 Posts: 1,997 Location: Kitale
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Ericsson wrote:http://www.businessdailyafrica.com/Corporate-News/KCB-takes-over-Mombasa-tycoon-company-in-Sh1bn-bad-debt/539550-3316236-10fjpem/index.html Good news indeed! the increase of NPLs was alarming indeed.Now thats a sigh of relief! Towards the goal of financial freedom
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Rank: Elder Joined: 7/21/2010 Posts: 6,192 Location: nairobi
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Ebenyo wrote:Ericsson wrote:http://www.businessdailyafrica.com/Corporate-News/KCB-takes-over-Mombasa-tycoon-company-in-Sh1bn-bad-debt/539550-3316236-10fjpem/index.html Good news indeed! the increase of NPLs was alarming indeed.Now thats a sigh of relief! i have changed my mind on nic,i will buy very cautiously "Don't let the fear of losing be greater than the excitement of winning."
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Rank: Veteran Joined: 4/4/2016 Posts: 1,997 Location: Kitale
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mlennyma wrote:Ericsson wrote:http://www.businessdailyafrica.com/Corporate-News/KCB-takes-over-Mombasa-tycoon-company-in-Sh1bn-bad-debt/539550-3316236-10fjpem/index.html i was salivating at nic,could this bring it down abit for me to get at 25?i don't think nic is doing well on that loan book You will have to stop buying now.Wait untill you hear some development. If kcb will recover the 1 billion,The Npl will reduce to 29 bilion.They should move with speed and go full throttle for the balance. Towards the goal of financial freedom
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Rank: Chief Joined: 1/3/2007 Posts: 18,254 Location: Nairobi
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KCB Kenya and union in dispute over staff plan http://www.theeastafrica...323584-yy7b9q/index.htmlGreedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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Rank: Elder Joined: 7/21/2010 Posts: 6,192 Location: nairobi
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[quote=VituVingiSana]KCB Kenya and union in dispute over staff plan http://www.theeastafrica...23584-yy7b9q/index.html[/quote] I guess this is kenya staff and south Sudan is fresh war with all staff idle,this lion is seriously rained on "Don't let the fear of losing be greater than the excitement of winning."
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Rank: Elder Joined: 6/23/2009 Posts: 13,889 Location: nairobi
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news just in at the exchange bar 
COOP ABP 15.85; IMH ABP 35.55; KQ ABP 5.76; MTN ABP 5.20
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Rank: Elder Joined: 1/21/2010 Posts: 6,675 Location: Nairobi
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Ebenyo wrote:mlennyma wrote:Ericsson wrote:http://www.businessdailyafrica.com/Corporate-News/KCB-takes-over-Mombasa-tycoon-company-in-Sh1bn-bad-debt/539550-3316236-10fjpem/index.html i was salivating at nic,could this bring it down abit for me to get at 25?i don't think nic is doing well on that loan book You will have to stop buying now.Wait untill you hear some development. If kcb will recover the 1 billion,The Npl will reduce to 29 bilion.They should move with speed and go full throttle for the balance. All is not well at NIC.. They've taken a few corporate hits this year! Mark 12:29
Deuteronomy 4:16
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Rank: Elder Joined: 6/23/2009 Posts: 13,889 Location: nairobi
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We wait..
COOP ABP 15.85; IMH ABP 35.55; KQ ABP 5.76; MTN ABP 5.20
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Rank: Elder Joined: 6/23/2009 Posts: 13,889 Location: nairobi
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Ukiona vyaelea.. http://www.businessdaily...470576-cy8ymd/index.html
COOP ABP 15.85; IMH ABP 35.55; KQ ABP 5.76; MTN ABP 5.20
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Rank: Elder Joined: 7/21/2010 Posts: 6,192 Location: nairobi
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[quote=obiero]Ukiona vyaelea.. http://www.businessdaily...70576-cy8ymd/index.html[/quote] so this lion has been limping? "Don't let the fear of losing be greater than the excitement of winning."
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Rank: Chief Joined: 1/3/2007 Posts: 18,254 Location: Nairobi
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There is something about KCB that worries me. I do not trust their numbers. I think the CBK & Treasury are protecting KCB but the rot will show up some time! If KCB went through a thorough review of all its loans, I think the NPLs will jump. My gut feeling. Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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