mlefu,i dont quite get it...look at it this way and confining ourselves to the ndinga and the debt....vehicle worth is 1.4m...debt is 0.4m...your net worth based on the vehicle is 1.0m. in 2010 it will be worth 1.1m
consider selling it at 800k. lipa 400k that you owe. your net worth will be 400k. start growing this money....in 2010 it will be worth 1.2m and you will have a much better/newer ndinga (KBZ) and you will be owing nobody nothing....
forget about 'my fist owning' business. i had a pair of shoe which i had kept in my house for 12 years ati because i wanted to remember how i 'tarmaked' before i landed my fist job...one day things were thick and i did not have any fare to take me to town...an old shoes buyer just happened to be in the neighbourhood and i sold the shoes for ksh 35. i got to town and came back in the evening with money....
NEVER TALK OF A RHINO IF THERE IS NO TREE NEAREBY - ZULU PROVERB
...besides, the presence of a safe alone does not signify that there is money inside...