Frazer

29/11/2025

29/11/2025

Enjoying the moment. ZRA Hackathon 2025

03/09/2025

CORE PRINCIPLES FOR SME GROWTH

1. VISION AND AMBITION - Know where you want your business to go

2. STRONG LEADERSHIP AND TEAM BUILDING - Success is a team effort you can't do it alone

3. NAVIGATING CHALLENGES - Business is full of ups and down stay resilient

4. MANAGE WORKING CAPITAL STRATEGICALLY - Cash flow is king, SME fail not because of lack of profit but due to the cash flow mismanagement

5. COMMITMENT TO EXCELLENCE - Long term success isn't about quick win, it's about sustained excellence

29/08/2025

THREE (3) THINGS YOU MUST LOOK AT BEFORE INVESTING YOUR MONEY

Before you put your hard-earned kwacha into any investment, check these three things 👇

1. Capital Appreciation

Will it grow in value over time? For example, farmland near Solwezi or Chongwe often appreciates as development expands. Shares in solid companies on the Lusaka Securities Exchange (LuSE) can also increase in value. Growth is important—but remember, growth alone won’t pay school fees or day-to-day expenses.

2. Cash Flow

Does it bring in regular income? Cash flow is king. Rentals, poultry farming, or government bonds provide steady returns. Without cash flow, you risk selling your asset too early just to survive.

3. Liquidity

If an emergency comes, how quickly can you get your money back? Treasury bills and savings accounts are highly liquid, while real estate may take months or years to sell. Balance your portfolio so you have both long-term and quick-access investments.

✅ If your investment gives you growth, income, and flexibility, you’re on the right track.
❌ If it fails in all three areas, the best time to exit was yesterday. The second-best time is now.

👉 Invest wisely today, so tomorrow your money works for you—not the other way around.

HAVE a productive day 🙏

14/05/2025