Joshua

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Joshua

Joshua

@JoshuaMwaba25

REAL, ALL DAY EVERY DAY

LSK Katılım Haziran 2022
354 Takip Edilen44 Takipçiler
Joshua
Joshua@JoshuaMwaba25·
@Tuff__Crowd Yet you say he's on the same level as KD
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Brandon Jennings
Brandon Jennings@Tuff__Crowd·
Kawhi 4th quarter was not good at all Smh
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Brandon Jennings
Brandon Jennings@Tuff__Crowd·
Might be time for that D Book conversation. Donovan Mitchell I apologize
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Dingindaba Jonah Buyoya
Dingindaba Jonah Buyoya@BuyoyaJonah·
Beautiful AFCON story ending for the Mane of the moment!!!
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Joey_Jay
Joey_Jay@Joey_Mukando·
Imagine him playing demamade, washomba walowa, chiyato or wider with kids in the ghetto. Even if it's for 10mis with how competitive he is it would be engaging. Zambians have this natural vibe and we have to bring in out in ways that are authentic to us.
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Joey_Jay
Joey_Jay@Joey_Mukando·
Thing is speed thrives off of authentic/thrilling experiences. I think we're prioritising 'cool looking' activities over stuff he finds engaging. Let him dance with the makishi, play football at a dust ground, extreme bike guys, circus zambia, gorge swing, obstacles at kuzipa
TGM@TGM_007

Nuhhh the activities Speed is doing in South Africa? The only thing we can do when he comes to Zambia is show him the Victoria Falls and feed him nshima. We cannot compete 🙏🏽

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Joshua
Joshua@JoshuaMwaba25·
@Peter_Kays Speed loves sports.. he can go pa nasdec and he will find us hoopers we can play some hoops and soccer too . He loves food and love's visiting restaurants he can go pama tebeto uko fast fast. Like we have a lot lmao
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Joshua
Joshua@JoshuaMwaba25·
@Tuff__Crowd Bro always comes up with a list lmmfao you don't need a list to say this one is better. Top genius? TF?
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Brandon Jennings
Brandon Jennings@Tuff__Crowd·
Draymond Green is a top 10 high IQ (genius level) NBA player of all time. 1.magic 2. Bron 3. MJ 4. Steph 5. Kobe 6. Jkidd 7. Duncan 8. Kg 9. Jokic 10. Draymond Rondo, KD, Pistol Pete, wade, harden, bill Russell, Nash….
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SonkoScenes🎬
SonkoScenes🎬@1SonkoScenes·
10/10🍿 Recommended Military Movie🎬
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Joshua
Joshua@JoshuaMwaba25·
@Malik_ZMB How can I explain this to my friends in simple terms lol
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𝒦𝒶𝓁-𝐸𝓁
𝒦𝒶𝓁-𝐸𝓁@Malik_ZMB·
Government Bonds and the Illusion of Wealth Creation By Malik I saw a tweet last week of someone asking if they could buy GRZ Bonds for K500. In recent years, Zambia has seen a noticeable shift in how government bonds and treasury bills are marketed. What were once instruments largely reserved for banks, pension funds, and institutional investors are now actively promoted to ordinary citizens. Individuals with modest savings are encouraged to invest, often under the promise of safety, steady returns, and participation in national development. While this shift may appear financially inclusive, it raises a deeper concern: for most Zambians with limited resources, government bonds are not a pathway to growth, but a constraint on it. At the heart of the issue is opportunity cost. The average Zambian does not have surplus capital. Savings are usually small, hard-earned, and meant to improve daily living conditions. When such savings are invested in government bonds, they are effectively locked away for fixed periods, mostly 10-15 years. During this time, the investor earns interest, but loses flexibility. That same money could have been used to start or expand a small business, acquire a skill, or support informal trade activities that generate cash flow and build resilience. In an economy dominated by small and medium enterprises, diverting scarce capital into passive instruments weakens grassroots productivity. Inflation further complicates the picture. Zambia has experienced persistent inflationary pressure, driven by food prices, fuel costs, and currency volatility. Bond yields may look attractive on paper, but when inflation approaches or exceeds those yields, real returns are minimal or even negative. For a low-income investor, this means that the purchasing power of their money does not meaningfully improve. In practical terms, the interest earned may not keep pace with the rising cost of mealie meal, transport, or rent. What appears to be saving is often just delayed consumption with no real gain. There is also a structural problem in how bond proceeds are used. Government bonds in Zambia are frequently issued to finance budget deficits, service existing debt, or support recurrent expenditure. While these may be necessary for fiscal management, they do not always translate into productive investment that expands the economy. When citizens lend money to the state under such conditions, they are not funding new industries or broad-based job creation. Instead, they are helping the government stay afloat. For the investor, this creates a disconnect: their savings support the state, but the state does not necessarily generate new opportunities in return. The promotion of bonds to ordinary citizens also risks reinforcing a passive economic mindset. Bonds reward waiting, not building. They teach people to rely on interest payments rather than enterprise, effort, or innovation. For wealthier individuals, this is acceptable; capital preservation and portfolio stability matter. For citizens struggling to improve their economic position, however, passivity is costly. Zambia’s economy grows through informal trade, agriculture, services, and small-scale manufacturing. These sectors are driven by active participation, not fixed-income instruments. Currency risk adds another layer of vulnerability. The kwacha has experienced periods of sharp depreciation, eroding the value of nominal returns. Even when bond payments are made on time, their real value may be significantly lower than expected. For low-income investors, this is not a technical issue; it directly affects living standards. A return that fails to protect against currency weakness does little to secure the future. This is not an argument against government bonds themselves. Bonds serve a legitimate purpose in public finance. They are essential for managing cash flow, funding infrastructure, and stabilising the budget. The problem arises when they are presented as a meaningful wealth-building tool for citizens who lack the financial cushion to absorb low or negative real returns. In such cases, bonds preserve money but freeze potential. Zambia’s economic reality demands a different approach for ordinary citizens. Small businesses, farming, skills training, and local trade may carry risk, but they also carry growth. They generate income, create jobs, and build experience. Most importantly, they give individuals control over outcomes. Bonds offer none of this. They require trust in macroeconomic stability that low-income investors cannot afford to assume.
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Chad Johnson
Chad Johnson@ochocinco·
AJ isn’t trying to hurt him at all, wide open shots & he’s holding back, purposely not cutting the ring off & the minimal pressure he’s applying has Jake overwhelmed. Commend him for trying though 🫡
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Joshua retweetledi
Fiona
Fiona@heyfionaai·
I don't understand why people don't just lock in on YouTube My faceless YouTube channels make me $120,000+/mo (long form only) There is 𝗻𝗼 𝗹𝘂𝗰𝗸 involved. Let me send you a free course on exactly how to do it. Just Retweet and Comment "YouTube" (must follow)
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NoLifeShaq
NoLifeShaq@NoLifeShaq·
Loved the NF Ep. But for some reason it made me sad 😔
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Joshua
Joshua@JoshuaMwaba25·
@ochocinco It was expected... They are really good
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Chad Johnson
Chad Johnson@ochocinco·
Club Brugge is giving Barcelona fits 😱
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Barça Worldwide
Barça Worldwide@BarcaWorldwide·
He's truly back, what a player!
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