Tag Archives: Investment Ideas

Treasury bonds oversubscribed‏

HIGH demand from investors greeted the second 10-year treasury bonds attracting bids almost two times the amount offered to the market for bidding, thus ending up the
show overly subscribed.

The first 10-year treasury bonds auctioned on February, this year, attracted few bids
from investors ending the show under subscribed.

Funds raised from the sale of the long-term debt government securities are targeted to finance development projects like road and railway infrastructures that are necessary cutting down cost of transport.

Some of the key investors in government securities include pension funds, insurance firms, some microfinance companies and few commercial banks.

The second 10-year treasury bonds was auctioned last week and is expected to mature in
April 2026. It attracted bids 105.14/- compared to 49.20/- offered for bidding.

The Bank of Tanzania (BoT) auction summary shows, however, that the government retained only 21.70bn/- which is far below even the amount sought to be raised.

The weighted average yield to maturity increased slightly to 18.84 per cent compared to
18.82 per cent of the session held in February, this year.

The weighted average coupon yield also made slight increase to 17.03 per cent
compared to 17.00 per cent of the previous session.

The weighted average price for successful bids declined to 67.14 compared to 67.26.

Only seven bids that were received out of 75 emerged successful. The highest bid offered at the auction was 69.36 while the lowest is 57.50; the minimum successful bid/100 was 67.01.


Tags: , , , , , , ,

What Tim Cook didn’t tell you about the iPhone 5…

SOURCE: The Motley Fool

By now, you probably know almost everything there is to know about the iPhone 5…

And you’ve most likely already heard that:

check  Apple sold TWO MILLION iPhone 5s in the first 24 hours it was available for pre-order — which is more than double the number of first-day orders it saw for the iPhone 4S…

check  AT&T has set an all-time record for iPhone sales less than a day after making the iPhone 5 available for pre-order…

check  Industry experts, like Pipar Jaffray’s Senior Apple analyst, Gene Munster, estimate that Apple could sell as many as 170 million iPhones in the coming year — and say that 80 million sales are already “in the bag”…

check  J.P. Morgan’s Chief Economist, Michael Feroli, has gone so far as to predict that sales of the iPhone 5 could boost our country’s GDP by as much 0.5% in the fourth quarter, and…

check  A recent Wells Fargo report projects that the phone’s release will be the single-biggest consumer electronics launch in history — trumping any TV, PC, cell phone, CD player, or VCR to ever hit the shelves…

But there’s one very surprising thing you probably haven’t heard about the new iPhone…

And while it may not change your mind about whether or not to buy one, it does explain why our top technology analysts say this historic launch could lead to a unique millionaire-making opportunity — the likes of which haven’t been seen since Ronald Reagan was in office.

Yet very few investors know anything about this obscure “backdoor” opportunity — and even fewer are taking advantage of it.  

Which is why we’ve put together a special in-depth presentation that explains everything you need to know about this cash generating opportunity. Plus, shows you how you can save up to $399 on what we believe to be a cutting-edge, first-rate product — if you act in the next 35 hours.

Leave a comment

Posted by on September 19, 2012 in Finance,Taxation and Investment


Tags: , , , , , , ,

10 Books Worth Investing In

The financial services area is so deep and  so broad, there are enough good  books written about it to keep investors busy for a lifetime. If you are an  avid reader, here are 10 books you’ll want to add to your reading list. If it  has been a while since you last picked up a good book, any one of these  recommendations is well worth a trip to the bookstore or library.

“The Battle for the Soul of Capitalism” (2005) by John C.  Bogle John Bogle, a mutual  fund giant and long-time advocate for the little person, takes a  hard-hitting look at everything that ails the financial system in the United  States. From overcompensated CEOs and overpriced  mutual funds to Wall Street research scandals and the focus on short-term  results over long-term gains, Bogle lays bare the truth behind what went wrong  with capitalism. He also highlights the impact that mutual funds and their  boards of directors have on the corporate policies of the companies that they  run, and he provides a prescription for how stockholders can exercise their  will, reclaim the companies they own and put the financial system back on  track.

“Conspiracy of Fools: A True Story”  (2005) by Kurt Eichenwald Written by a senior investigative reporter  at The New York Times, this entertaining look at the Enron  meltdown introduces readers to the rogues’ gallery behind the biggest failure in  corporate history. From influencing the nation’s energy policy to misleading  investors and analysts, the audacity, arrogance and greed of these  characters is presented in a novelistic style that will keep you reading from  the first page to the last.
SEE: Business Owners: Avoid Enron-esque  Retirement Plans

“Freakonomics” (2005) by Steven D. Levitt  and Stephen J. Dubner Popular, thought-provoking and controversial  are all good words to describe this look at how a self-proclaimed rogue  economist “explores the hidden side of everything.” This is an economics text  written for the average reader, not for Rhodes scholars, and it explores a host  of real-world topics ranging from violent crime and the hierarchy of drug  dealers’ networks to backyard swimming pools and baby-naming patterns.  “Freakonomics” and its 2009 sequel, “SuperFreakonomics”are interesting  departures from the financial services genre’s usual fare.

“Fooled by Randomness” (2004) Nassim Nicholas  Taleb Taleb draws on his experiences as a professional trader and  math professor to provide an intellectual look at the role of luck in achieving  financial success. He provides food for thought to anyone curious about the role  of skill in stock picking and the value of psychology in decision making.  Whether you believe that great fortunes are made through hard work and  persistence or merely via the fickle hand of fate, this book will bring a new  perspective to your ruminations. Fortune declared it one of “the  smartest books of all time.”

“Bull’s Eye Investing” (2004) by  John Mauldin When John Mauldin looked at the future, he didn’t see  the traditional buy-and-hold methodology  as a viable stock market strategy. Mauldin highlights the virtues of absolute  return investment vehicles, such as hedge  funds and old standbys like gold, as ways to make money in a decade that he  predicts will be marked by stagnant markets. Citing factors such as new  accounting standards and rising pension  costs, he paints a bleak vision of the future and uses a variety of studies to  make a compelling argument for his outlook and investment approach.

“A Mathematician Plays the Stock  Market” (2003) by John Allen Paulos

Most people know that numbers  play a huge role in stock market analysis, and they assume that mathematical  genius provides some hidden insight that mere mortals cannot hope to match.  Using personal insight from his own efforts to beat the Street, Paulos provides  a humorous and entertaining look at the mathematical theories and technical  analysis methods that all too often fail. If you like math, you will love  this book.

“Value Investing Today” (2003) by Charles H.  Brandes

Benjamin Graham, Warren  Buffett and Charles Brandes are all giants in the field of value  investing. Their stock screening, portfolio construction and insight into  the markets made them all famous – and rich. Brandes introduces the strategies  behind the success of the value approach. The third edition of this book,  originally published in 1989, updates supporting data and adds several new  chapters, including strategies to capitalize on international markets.

“The Millionaire Mind” (2000) by Thomas J.  Stanley

In his earlier book, “The Millionaire Next Door,” Thomas J.  Stanley collaborated with William D. Danko to provide a profile of the “average”  millionaire. In “The Millionaire Mind”, Stanley provides a detailed look at the  type of thinking that helped these millionaires amass  their wealth. Everyone who aspires to millionaire status shouldn’t just read  this book, they should study it.

“John Neff on Investing” (1999)  by John Neff The legendary manager of Vanguard’s Windsor Fund built  his reputation as a bargain  hunter extraordinaire. With a contrarian approach to picking stocks, Neff  bought low and sold high. For investors who count themselves among Neff’s many  fans, this account of how he got the job done is well worth the read. That said,  anyone reading this book in hopes of finding a shortcut to making a few bucks  will likely be disappointed – there are no quick fixes offered  here.

“The Millionaire Next Door” (1996) by Thomas J. Stanley and  William D. Danko

If you have ever had a burning desire to know “how  the other half lives,” this is the book for you. When looking for the rich, “The  Millionaire Next Door” advises us to forget the Lamborghinis, yachts and  personal helicopters and focus instead on the people who live across the street,  because the average millionaire isn’t who you might expect it to be. Many of the  folks with seven-figure bankbooks live in average suburban neighborhoods, drive  average cars and live just like the rest of us!


This list  of books is sure to broaden your perspective and may even make you question what  you already know. Regardless of which book you choose to read, when it comes to  finance and investing, a little knowledge can go a long way.

Source Investopedia


Leave a comment

Posted by on September 17, 2012 in Finance,Taxation and Investment


Tags: , , , , , , , , , ,

5 Ways Your Business Can Use Old Customers to Generate New Sales

Your Business Can Use Old Customers to Generate New Sales

Are you using your old customers to generate new sales?  If not, then odds are you’re losing out on a tremendous amount of revenue.  There are simple techniques to engage your customers to become an unpaid sales force. Here are 5 key ways to engage your old customers and generate additional sales in no time!

1. Offer New Discounts

It might seem simple to offer up new discounts to your old customers to reengage them, but the bottom line is that this technique works well.  While you might not get every old customer buying more or buying again, you will likely old customers’ attention.  This can be especially effective if the discount is truly a good deal and reminds them that you are still thinking about them.

2. Invite Them to Bring in Friends

Offering a discount is always a good way to reengage your old customers. However, giving them an even larger discount when they refer new customers to you can work like a charm. Not only does it get your old customer thinking about you again, but this process also brings new customers into your door and expands your business!

3. Offer a Referral Fee

Why not offer your old customers a straightforward referral fee?  The pitch would be something like, “I will give you X dollars for every customer you bring me that buys from us.”  If they already like your product and are a regular customer this tactic could be very effective. This will re-engage your customer and after all, who doesn’t like making money?

4. Launch New Products & Services

Telling your old customers about new products will get their attention.  You might be thinking, “I don’t have any new products.”  It doesn’t need to be a huge product launch, maybe you’ve created a new app for your company, started using a new system that has eliminate waiting at your restaurant, or launched a new website.  Any updates about your products or changes in the business could be interesting to your customers.

5. Follow-up Quickly After a Sale

Sometimes the best way to get your customers to help you attract new business is to get them to give you a recommendation in writing. Your best opportunity to do this is right after you sold them something. Within 7-10 days after a sale, you should contact your customers with a handwritten note or email to thank them and ask them for a recommendation your request should include a link to your LinkedIn account, Yelp profile, Facebook fan page or Google+ local listing.  You want to make it easy for your customers to tell their contacts how much they enjoyed doing business with you. They are far less likely to give you their time or recommendation if they have to hunt for a link to do so.


Leave a comment

Posted by on August 14, 2012 in Articles


Tags: , , , ,

Exchange Rate: Tanzania Shilling Vs. US Dollar – as of JULY 2012

USDTZS – Tanzania Shilling Exchange rate

The USDTZS spot exchange rate appreciated 5.0000 or 0.32 percent during the last 30 days. Historically, from 2009 until 2012, the USDTZS averaged 1476.3800  reaching an all time high of 1813.5000  in October of 2011  and a record low of 1277.9000  in June of 2009. The USDTZS spot exchange rate specifies how much one currency, the USD, is currently worth in terms of the other, the TZS. While the USDTZS spot exchange rate is quoted and exchanged in the same day, the USDTZS forward rate is quoted today but for delivery and payment on a specific future date. This page includes a chart with historical data for USDTZS – Tanzania Shilling Exchange rate.



Tags: , , , , , ,

Loss leader Strategy


What Is a Loss Leader?

A business strategy in which a business offers a product or  service at a price that is not profitable for the sake of offering another  product/service at a greater profit or to attract new customers. This is a  common practice when a business first enters a market; a loss leader introduces  new customers to a service or product in the hope of building a customer  base and securing future recurring revenue.

The loss leader strategy is more than just a nifty business trick – it is a  successful strategy if executed properly. A classic example is that of mobile phone company giving away a free network Locked Mobile phone knowing that you will need to use their network only on that Mobile phone. Cool huh!?

This startegy can be used for retail shops as well, At the shop kwa Mpemba he offers a kilo of Sembe at half a price; and doubles prices on other products, we all run kwa mpemba cause sembe price is very low and assumes everything else is cheaper at Mpemba’s shop, more sales and more profits for mpemba.

On International marketing; The Lower price of Amazon kindle Fire is one of the the Loss Leader strategy; Even if Amazon pays more to build the $79 Kindle than it sells it for, the company has several other ways to bring in money from the device. This Kindle model includes ads that show up as screensavers and at the bottom of the device’s home screen. And Amazon sees all the devices in the Kindle family — and the free Kindle apps it offers for mobile devices and computers — as a way to spur more sales of its digital e-books, music, games and apps. Definately It is making its money back through media content.



Tags: , , , , , , , ,

Facebook buys Instagram for $1 billion

Facebook buys Instagram for $1 billion

Mark Zuckerberg posted this in his page 22hours ago “I’m excited to share the news that we’ve agreed to acquire Instagram and that their talented team will be joining Facebook. For years, we’ve focused on building the best experience for sharing photos with your friends and family. Now, we’ll be able to work even more closely with the Instagram team to also offer the best experiences for sharing beautiful mobile photos with people based on your interests….”Being a huge fan of Instagram this caught my attention, Why did Facebook pay such a massive price for Instagram a company with a life of less than 2 years!!

Facebook users already upload an average of more than 250 million images daily, making it the most popular photo-sharing service on the Web; Not the best though. ” But it’s not the best by far and not the most mobile, which is Facebook’s biggest weakness — that has been accomplished many others, especially Instagram, the favorite of power users who scoffed at Facebook’s weak tools. (The horror of no filters!)” ~Kara Swisher, All Things D.



Facebook and Instagram are two distinct companies with two distinct personalities. Instagram has what Facebook craves – passionate community. People like Facebook. People use Facebook. People love Instagram. It is my single most-used app. followed by Twitter and BBM 🙂   I spend an hour a day on Instagram. I have made friends based on photos they share. I know how they feel, and how they see the world. Facebook lacks soul. Instagram is all soul and emotion. Facebook promises no kill, but will Instagram make it stronger? i hope they remain separate apps altogether.

On the business side point of view; Seeing the Instagram acquisition as merely quashing a potential competitor to one aspect of Facebook’s offering is far too narrow an outlook, though. Better, surely to view the deal against the increasingly familiar backdrop of Facebook’s “It’s complicated” relationship with Google and Apple. One of the things people like most about the Google+ social network is its photo-sharing features. Buying Instagram not only bolsters Facebook’s capabilities on that front – photo filters in its official app within a few months, anyone? – but also keeps the startup out of Google’s clutches, should it have been tempted to make its own acquisition bid.  says Stuart Dredge, The Guardian

Goodluck to Mark Zuckerberg, I think its a smart move. if you can not bet them join them.. at a huge cost!.




Tags: , , ,

%d bloggers like this: