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Good day twenties. it is my hope that you are putting time & energy into building a better and stronger version of yourself. After all, you are the only person you are competing with. Thank you very much for reading my blog. Please do follow my blog, join my mailing list and & if you like this don’t hesitate to share it with your friends.

As requested by one of the blog readers, today we are going to be discussing on the whole issue of buying assets. This is something that we will be doing sooner or later.

Today we will know basic things to note as we enter into the whole buying assets thing.


  1. There are good and bad assets.

Good assets are the assets that put money in your account. They are things like stocks, bonds, mutual funds, commodities, investment real estate, futures, options, hedge funds, and so on. All these assets have the ability to put money in your pocket. These are commonly called investments.



Bad assets take money out of your bank account. They are things like your car, house, clothes, TV, stereo, mobile phone, furniture, CDs, Xbox, boat, and so on. Bad assets take money out of your pocket in three main ways. They cost you money to buy, they usually cost you money to maintain and they have an opportunity cost, which represents the forgone opportunity and benefits that could’ve been earned or received from that opportunity.


  1. Track your net worth

You probably (hopefully) track your budget every month, but your net worth doesn’t need quite as much attention. It’s still a good idea to keep an eye on it. Do you do it?

Your net worth is the best indicator of your overall financial health. Your financial statement is the tool you can use to track your net worth (assets and liabilities). This is different than your budget, which is used to track your income and expenses.

For example, before I can decide how I should allocate my income and expenses in my budget, I need to look at my net worth. I may have the same income and expenses as the person next to me, but the person next to me may have a completely different net worth than I do.

So, before I decide which budget to use, I need to look at where I stand financially as of today and where I want to go. My financial statement, showing my net worth, shows me this. Then, I can set goals and create a budget in line with those goals.



  1. Leverage your years. At this stage there is less baggage. So making use of this despite the little income is so much better. The sooner the better as you can afford more mistakes than later.           notforsite-tanzania-shilling-1

So utilize your twenties to the fullest we all know that is what we are here for right.

Virtual hug … Yei

  1. Be aggressive. Investing in stock markets is not something I have enough knowledge on. But I think it is much better to keep your money there. OK, so maybe you don’t burn through your earnings that quickly. But consider this: The only way most people have any hope of creating real wealth is by investing in the stock market. Sure, you could invent something awesome, start a billion-dollar company or win the lottery, but let’s face it: Your chances are slim.darbourse

Slow and steady is the next-best option to a sudden windfall or wild success. Investing regularly over time gives you control over your destiny — unlike hoping to wake up one day as the heir to a vast fortune. This is much better instead of stashing your money in a freezer. Keep in mind that you should do proper research on the stock market before you invest


  1. Save more. This is as better as it gets. The only way to invest is to save more and spend wisely.


  1. Speak to those who have been there & done that. People who have been there can tell you more on where, what and when you should invest in what types of assets.

What are the other things that should bew noted before buying assets.Share with us on the comments down below.Do you have any questions , ask us in the comments below.

This is your Monday dose of inspiration. Keep up with the discussions on twitter using #20assets.

Write to you soon

Keep it smart and 20


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  1. eddaz

    October 17, 2016 at 12:09 pm

    Hi! I nominated you for a 3 days quote challenge. You are not under any obligation to participate, but I will be glad if you accept.Thank you.




  5. forever_herie

    February 21, 2017 at 6:50 pm

    You are welcome, thank you for being a part of the Twentiesco family

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Business model canvas!! Sounds like nuclear physics doesn’t it?
It isn’t.
A business model canvas is a tool used by businesses to project what their business is all about briefly.
In contrast to business plan, a business model canvas is so brief .
At the end of this article, there is a template attached, feel free to use it after you have read this article .
Now remember the way you create a business model canvas is very systematic . We have numbered this template to make it a ride on a steep slope.

1. Customer Segments
( WHO ARE YOU TARGETING) Think of your business, very few ( if there are at all) businesses target everyone. Describe your customer. Who are they? What do they want? What do they like?
How old are they?

2.Value proposition
Say you are a coffee shop. Coffee is coffee. If I sell mine packed in an ordinary cup and yours is in a instagram worthy cup. We know why millenials would buy from you.
The Unique value is not always tangible.
Sometimes it is a cause. If part of your profit goes to charity, people may use it for that sake.

Now that you know who you are trying to sell to and what is special about your product .How are you going to get to them ?
Instagram? A physical shop? An event?
Depending on what they do, find out the different ways they can access your product.

4.Customer relationships
To gain a customer is one thing . To keep a customer is a whole different entity. There are shops you go to buy something and the way a seller accomodates you, focuses on making sure you leave satisfied and not just selling you a product gets you hooked. These are the shops people go back to and tell all their friends about.

5. Revenue sources
What are your customers going to pay for? These are the different services or goods you can offer. Say you sell clothes , you could also charge for styling advice or makeover. How can your premises generate you money as well? Can your office be rented fr a day or a week or more?
Exhaust the different ways you can access money and find out ways that match your cause. For example safe space doubles as a women platform and a women co working space .

6.Key Activities
These are the things you need to do . If you are running a website, you need things like hosting, writing, photography etc.. . Include everything you have to do for your business to run and

7.Key Resources
Determine what you need to get the activities done. Funds? Space? Time? People?

8.Key partners
Patnering is the new discount. You do not need to have everything. But you can out source what you have and use it to negotiate.
Patnerships helps cut cost and share audience .

9. Cost structure
Now that you know what you will need to run the business, areas you can find partners in , list the things you will incur cost in.


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Holiday time ,

A time we have been looking forward to since school started! Blink and share this post if you can relate!

Fun holiday activities

I am a big pro-balance , i believe in late nights, early mornings and coffee but i also believe it is essential to lay back in the Bahamas and have someone bring you a Cool Mojito . So what do you do when you have a month or two of rest. Read On.
A bit Clichè right? But how many of us actually rest at least half of the time during the holiday?

While it is sometimes inevitable to reply that email, Attend that client, making time to take care of you, catch up on your favourite tv show or just sitting and breathing helps clear your brain and make you even more productive.

2. Learn a skill.

What a time to be Alive! Your next skill is literaly a few taps away. This skill can be a hobby you have been looking to get better at like sewing, singing, piano , cooking or something intergral in your career like history taking for new clinical rotation students or something you have wanted to do on the side( you have been talking about how you do not have time, and now Its here! ).

One of the founders of Afyatoon , an animation start-up that provides health education actually learnt how to animate during his summer holiday.

There are some things that are not taught in school and you are probably struggling with such as speaking in public , budgeting , dressing well, healthy living & more. Take time to train yourself on that.

3. Work on your side hustle
Balancing between studies and work is a challenge. Sometimes they are all demanding our time and energy. The holiday time therefore is a great time to focus on this thing , give it a mega push and this push will even save you the hustle when school starts.


4. Learn, explore and grow.
It is really eye-opening to learn a new thing or get to understand a certain topic . This can be a great time to do that. There is vast majority of knowledge and information on blogs, social media and in the actual world for you to learn .

Be curious, google , check out some you tube videos . But most of Enjoy your holiday .


What are you doing this holiday?


Twentiesco consultation doors are open! Book your consulation today and lets walk  this adulthood  journey together.



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If you are one amazing twenti who seeks out opportunities to learn or seek support for something you do , at some point you have to prove your worthiness of what you are applying or contesting for.


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