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Portfolio Balancing: Avoid Over Exposure To Financial Sector
Rank: Elder Joined: 7/22/2009 Posts: 7,657
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obiero wrote:MaichBlack wrote:Is this new information? Was there a time it was otherwise? Are you aware the homework that goes it lending you 5m? What about billions? What are the chances if the top 3 borrowers defaulting. What us the rusk profile of each?? Check with Greece and come back here. Never say never Can I start with the other 194 countries first?? 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: Elder Joined: 6/23/2009 Posts: 13,962 Location: nairobi
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Core capital requirements increasing, rates declining, defaults on the rise. Watch and learn https://www.businessdail...nking-subsidiary-5202504
KQ ABP 4.48; MTN ABP 5.20
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Rank: Elder Joined: 6/23/2009 Posts: 13,962 Location: nairobi
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obiero wrote:MaichBlack wrote:obiero wrote:MaichBlack wrote:VituVingiSana wrote:obiero wrote:Only one bank makes the YTD top gainers list  Coz "other" banks (except HF) pay dividends for a better Total Return  and not only in YTD 2025 but in 2024 Wachana na @Obiero @VVS. You know he bought and still owns all these stocks!!! And @Obiero said he doesn't get sarcasm. I'm being sarcastic!!!Easy to post such stuff AFTER it happens. Not helpful at all!!! Everyone knows what happened. Tell us before it happens like @Stockmaster, the guy who predicted KPLC going through the roof when it was was just chillin - at 1.xy or something (I forget his name) among others. It's unfair to state my portfolio and recommended picks are unknown. Nyani haoni kundula http://m.wazua.co.ke/for...amp;m=914370#post914370 ^ Only HFCK is there and that was a topic for all us anyway. Remember @VVS advising me to get the rights issues when I was 50 - 50? Any other stock in this list here in your recommended picks?? If anything, you warned people against buying HAFR. Ama we look at the list selectively?? HAFR, KURW and Olympia etc are very illiquid stocks. Meanwhile, it will be helpful if you also share your picks. I'm not a deity. I'm just a trader sharing my own views. Take it or leave it! My trading advisory/caution on HAFR stands. HAFR remains a skunk. Nyani ikipakwa rangi bado ni nyani 
KQ ABP 4.48; MTN ABP 5.20
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Rank: Veteran Joined: 12/11/2006 Posts: 908
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MaichBlack wrote:obiero wrote:MaichBlack wrote:Is this new information? Was there a time it was otherwise? Are you aware the homework that goes it lending you 5m? What about billions? What are the chances if the top 3 borrowers defaulting. What us the rusk profile of each?? Check with Greece and come back here. Never say never Can I start with the other 194 countries first?? MPs to Consider Interest Cap So Borrowers Don’t Pay More Than They Borrow. https://kenyanwallstreet...s-dont-pay-more-borrow/
“Invest in yourself. Your career is the engine of your wealth.”
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Rank: Elder Joined: 6/23/2009 Posts: 13,962 Location: nairobi
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ngapat wrote:MaichBlack wrote:obiero wrote:MaichBlack wrote:Is this new information? Was there a time it was otherwise? Are you aware the homework that goes it lending you 5m? What about billions? What are the chances if the top 3 borrowers defaulting. What us the rusk profile of each?? Check with Greece and come back here. Never say never Can I start with the other 194 countries first?? MPs to Consider Interest Cap So Borrowers Don’t Pay More Than They Borrow. https://kenyanwallstreet...s-dont-pay-more-borrow/
Time and tide waits for no one. I speak in code
KQ ABP 4.48; MTN ABP 5.20
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Rank: Elder Joined: 12/4/2009 Posts: 10,792 Location: NAIROBI
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ngapat wrote:MaichBlack wrote:obiero wrote:MaichBlack wrote:Is this new information? Was there a time it was otherwise? Are you aware the homework that goes it lending you 5m? What about billions? What are the chances if the top 3 borrowers defaulting. What us the rusk profile of each?? Check with Greece and come back here. Never say never Can I start with the other 194 countries first?? MPs to Consider Interest Cap So Borrowers Don’t Pay More Than They Borrow. https://kenyanwallstreet...s-dont-pay-more-borrow/
Rent seeking and bribe demands by MPs from commercial banks Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
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Rank: Elder Joined: 6/23/2009 Posts: 13,962 Location: nairobi
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Rank: Elder Joined: 12/7/2012 Posts: 11,929
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[quote=obiero]Capping Safaricom https://www.businessdail...-cash-transfers-5209918[/quote] Safaricom mpesa charges ni uwizi tupu! In the business world, everyone is paid in two coins - cash and experience. Take the experience first; the cash will come later - H Geneen
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Rank: Elder Joined: 6/23/2009 Posts: 13,962 Location: nairobi
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Angelica _ann wrote:Safaricom mpesa charges ni uwizi tupu! The truth. But I doubt whether the move will succeed. The goose that lays the golden eggs for GoK
KQ ABP 4.48; MTN ABP 5.20
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Rank: Elder Joined: 7/22/2009 Posts: 7,657
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I beg to differ. They came up with a product. They priced it. People are free to use or not use it. I think we are too entitled as a society. My product/service, my price. Your money, your decision to spend it or not spend it on my product/service. 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: Elder Joined: 7/22/2009 Posts: 7,657
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MaichBlack wrote:I beg to differ. They came up with a product. They priced it. People are free to use or not use it. I think we are too entitled as a society. My product/service, my price. Your money, your decision to spend it or not spend it on my product/service. We have barbers for example charging 2k for a shave. We don't go there to complain and demanding for government intervention. If one feels they can get better value somewhere else, they vote with their feet!!! 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: Elder Joined: 6/23/2009 Posts: 13,962 Location: nairobi
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MaichBlack wrote:MaichBlack wrote:I beg to differ. They came up with a product. They priced it. People are free to use or not use it. I think we are too entitled as a society. My product/service, my price. Your money, your decision to spend it or not spend it on my product/service. We have barbers for example charging 2k for a shave. We don't go there to complain and demanding for government intervention. If one feels they can get better value somewhere else, they vote with their feet!!! That comparison of Safaricom with a barbershop is utopian. The greed by Safaricom is beyond bounds. Unfortunately greed is insatiable
KQ ABP 4.48; MTN ABP 5.20
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Rank: Elder Joined: 7/22/2009 Posts: 7,657
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obiero wrote:MaichBlack wrote:MaichBlack wrote:I beg to differ. They came up with a product. They priced it. People are free to use or not use it. I think we are too entitled as a society. My product/service, my price. Your money, your decision to spend it or not spend it on my product/service. We have barbers for example charging 2k for a shave. We don't go there to complain and demanding for government intervention. If one feels they can get better value somewhere else, they vote with their feet!!! That comparison of Safaricom with a barbershop is utopian. The greed by Safaricom is beyond bounds. Unfortunately greed is insatiable It shouldn't matter. Safaricom don't owe anyone their invention, MPesa services. MPesa is neither a natural nor a national resource. Let them be greedy. Let them price themselves out of the market if they so wish. If one has a better option, let them go there. I thought we were in a capitalist economy last I checked. If it can be done better and cheaper, let anyone else do it. And if people choose to stick with Safaricom for whatever reason, so be it. Safaricom have done a lot to get where they are including building the brand, networks (physical and operational), logistics etc. Whoever thinks it is easy can replicate!! 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: Elder Joined: 7/22/2009 Posts: 7,657
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Capitalism is a double edged sword. Bidii yako, akili yako, resources etc. ndio bahati yako. Mwenzako akikuzudi, shauri yako!!! Market determines prices. Not wishful thinking. You are either capitalists or socialists. You can't be invoking whichever is convenient at different times. 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: Elder Joined: 7/22/2009 Posts: 7,657
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And how is a barber charging more than 10 times (based on some randamom base value - may be what "other" barbers charge) not greed but Safaricom's is greed?? Why not cap barber, hairdressers, nail techs etc. charges? Why not curb lawyer fees? Restaurant food prices?.Etc. Tutofautishe socialism na capitalism. The government can ensure medical care, education etc. are affordable and NOT by capping prices by private providers but by investing, improving quality of and charging an affordable amount for those services effectively pulling prices down Read about private schools in Rwanda and how they went out of business without being forced out. 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: Chief Joined: 1/3/2007 Posts: 18,265 Location: Nairobi
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obiero wrote:MaichBlack wrote:MaichBlack wrote:I beg to differ. They came up with a product. They priced it. People are free to use or not use it. I think we are too entitled as a society. My product/service, my price. Your money, your decision to spend it or not spend it on my product/service. We have barbers for example charging 2k for a shave. We don't go there to complain and demanding for government intervention. If one feels they can get better value somewhere else, they vote with their feet!!! That comparison of Safaricom with a barbershop is utopian. The greed by Safaricom is beyond bounds. Unfortunately greed is insatiable KQ is pricier than most competition. Greedy. And still makes a loss. Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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Rank: Elder Joined: 6/23/2009 Posts: 13,962 Location: nairobi
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VituVingiSana wrote:obiero wrote:MaichBlack wrote:MaichBlack wrote:I beg to differ. They came up with a product. They priced it. People are free to use or not use it. I think we are too entitled as a society. My product/service, my price. Your money, your decision to spend it or not spend it on my product/service. We have barbers for example charging 2k for a shave. We don't go there to complain and demanding for government intervention. If one feels they can get better value somewhere else, they vote with their feet!!! That comparison of Safaricom with a barbershop is utopian. The greed by Safaricom is beyond bounds. Unfortunately greed is insatiable KQ is pricier than most competition. Greedy. And still makes a loss. 98% loss on your past KQ shareholding is really a significant loss and I would be as unhappy with that matter as you, but time should heal you chief. let it go 😄
KQ ABP 4.48; MTN ABP 5.20
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Rank: Elder Joined: 6/23/2009 Posts: 13,962 Location: nairobi
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MPC reduces bank lending rates by further 25bp https://x.com/MwangoCapi...9smPwra0axrX0KQ&s=19
KQ ABP 4.48; MTN ABP 5.20
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Rank: Veteran Joined: 11/13/2015 Posts: 1,625
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Our asset-based lending at around 17%
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Rank: Chief Joined: 1/3/2007 Posts: 18,265 Location: Nairobi
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wukan wrote:Our asset-based lending at around 17%
Easier said than done in a country like Kenya with folks with dodgy accounting and multiple accounts. Even banks with "assets" as collateral get screwed over all the time. Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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