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COVID-19 Investment and Entrepreneurship



investment and entrepreneurship

By: Millycent Destiny Ndava

The COVID-19 pandemic has taught us a lot of things. One topic which I have heard so many times this past week is about investment. A lot has also happened in the Stock Markets across the world. This means we need to dig deeper to understand more about investment and the Stock Exchange. One thing which is obvious is what makes us wealthy is not how much we earn but how we can systematically use a proportion of the income we earn to build assets that pay us over time. Passive sources of income. Basically, there are four classes of investments.



These are for long term wealth. Invest in good companies that are undervalued. Research much about companies you want to invest in. What do you like about them as businesses? What are the fundamentals behind them? What are the growth prospects of the company in the current economic climate? Do they have any durable competitive advantage? Research on the companies past performance, historic price, dividend yields, and liquidity of the shares.

2.Money Market Instruments

These are short term securities like treasury bills or commercial paper. You can go through a broker, bank, or finance house. Treasury bills upcoming auctions are usually reported in national newspapers. The interest rate is not fixed but fluctuates based on market forces of demand and supply.

3.Real Estate

This is a long term investment with medium risk, decent cash flows, and a reasonable expectation of an increase in value. This includes residential rental property, raw land, and commercial real estate. Know that property values may go up or down so it’s possible to lose some of your principles.Keep in mind that real estate is not a liquid investment.


4.Mutual Funds

This is the pooling of funds by many investors for the purpose of investing in securities such as stocks, bonds, money market instruments, etc. Mutual funds are operated by money or fund managers who invest the funds’ capital and attempt to produce capital gains and income for the fund’s investors. Examples are Old Mutual, First Mutual, etc. This gives small investors access to a professionally managed diversified portfolio

Establish your investment goals

Why are you investing? Articulate what you want your money to do for you eg car, retirement, building assets. The reason why you are investing will determine what kind of investments you make. Write down your investment strategy to clearly articulate your thoughts eg

Putshu’s goal:Buy land

Save 20% of salary deposited in savings account until $200 000 is saved

Take the $200 000 and split:$100 000 for fixed deposits and the other $100 000 for a stock portfolio.

Repeat until you reach target amount=$1.5m. Go and buy land.

Determine your risk profile

Always know this; you can’t have both low risk and high return. So there greater the risk, the greater the return. Nonetheless, not everyone is a high risk-taker. There are three classes of investors and we all fall in one of them.

1)Conservative investor

These preserve capital and reserve regular income. They have a low tolerance for risk. Such people should invest in debt or money market mutual funds.

2)Moderately Aggressive Investor

These take controlled risk for moderate returns. They must invest in a mix of balanced portfolios.

3)Aggressive Investor

They consider risk as an opportunity and leverage their experience and knowledge to take intelligent financial decisions. These should invest in growth and equity schemes.

Questions To Ask Your Broker

1)Investment Strategy

What is their asset allocation strategy?

What will they be investing your money in?

How diversified is the investment/fund/product?

What is the asset allocation mix/ratio?


Talk to them about how much risk you are willing to take on and if you are willing to lose a portion of your principal if need be.


What are your expected returns on the investment?

Are the returns guaranteed or is there a possibility of a reduction if the market conditions change?


How much access do you have to the money invested?

Will there be penalties for premature liquidation of the investment?


How long is your money locked for?

So to quote the words of Strive Masiiwa “You might earn a lot of money working as a professional somewhere,even in the Diaspora.You might even be a very successful businessman or woman,but if you dont know how to invest,the money will pass through you like a fast moving stream of water.”

Millycent Destiny Ndava is a Personal Dvt coach, Business coach, and consultant, speaker, author, and entrepreneur. She can be contacted on 0773465425 calls and App

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14 Ways To Earn Passive Income In 2021



passive income

By: Claire Makoni

Earn Songwriting Royalties

If you love to write music, you can create passive income by recording your songs and then publishing them through a variety of channels. You earn royalties anytime your music is played on streaming services like Apple Music, or Spotify, or played on the radio. You can even license your music for TV, movies, and videos without the backing of a major record label.


Purchase Music Royalties

Perhaps your talent isn’t to write music. That’s ok, you can still get into the music royalty game by purchasing the rights to song catalogues owned by other artists. Royalty Exchange is an online auction that allows you to bid on existing music catalogues. These are songs that are already earning regular, passive income for their current owners. When you purchase music royalties, you’re buying the future cash flow, which is purely passive income.

Photo Licensing

Photographers can build passive income by selling stock photos online. You’ll need to produce lots of content to earn a decent amount of money, but it can be a nice supplement to other, more labor-intensive work, like wedding or family photography. One benefit to stock photo licensing is that you can sell the same pictures to many different buyers. There is no shortage of stock photo websites where you can sell your work. Dreamstime and Snapwire are just two of the more popular stock photo sites out there.

Record an Audiobook

One of the best ways for content creators to increase their income is by releasing their content in as many formats as possible. For example, if you’ve written a paperback book or even an ebook, you’ll want to consider recording an audiobook version. There is no shortage of people who prefer listening to books instead of reading them. You can record the audio yourself, or pay someone else to do it for you. Once your audiobook is ready to go, it can be available for purchase online for years, making it the ideal passive income source.


Buy and Sell Domain Names

Buying and selling domain names is a bit like trading on the stock market. The goal is to buy low and sell high, but there can be some risk involved. There are people who earn good money buying domain names that they believe will increase in value over time, with the hopes of selling at a profit.

Start a Blog

Over time, it’s possible to create multiple passive income streams with a blog, through affiliate marketing, or display advertising, for example. But building a blog from scratch is anything but passive. You’ll need to be consistent in creating new content, and spend time promoting your blog. One of the best things about blogging is the low barrier of entry. If you have a computer and a wifi connection, you can get started for as little as a few dollars per month.

Start a Podcast

It seems everyone has a podcast these days, and while many people do it out of pure enjoyment, there’s a lot of money that can be made. As you build a reliable following, you can begin selling advertising via sponsorships to brands that wish to get in front of your audience. Make no mistake, there’s a lot of work involved in finding guests and conducting interviews, but the opportunity to build a passive income stream is there.

Start a YouTube Channel

If you can consistently create videos that people want to watch, you can build an audience on Youtube. This is important because, with an audience, you can begin to make money, by joining the YouTube Partner Program. Most of your earnings will come from ads, which are aired within your video content, however, there are more ways to make money. YouTube can also drive traffic to your website and social media channels, making passive income opportunities endless.

Sell Digital Products/Downloadables

Thousands of people earn passive income by creating digital products that people can download and use. From spreadsheets to productivity tools, calendars, and checklists, the possibilities are endless. Once you’ve created your winning product, you can make it available for download on your own website, or through a third-party platform.

Develop an Online Course

If you have expertise in a specific area, rest assured there’s someone out there willing to pay you for your knowledge. You can create an ebook on the topic, or develop an online course, and then sell it on your own website, or on an online learning marketplace like Udemy. No skill is too small to share with others. You could sell a course on creating a killer resume, starting a podcast, or how to travel hack a trip to Europe. With online courses, most of the hard work happens early on, when you’re creating the content. From there, with an effective marketing strategy, you’ll have yourself a nice, passive income stream.

Run Website Display Ads

If you have your own website, you can sign up to have ads displayed within the content on your site. The most well-known ad service is Google Adsense. Adsense displays ads that are relevant to your site content and that match your visitor’s preferences. When guests engage with an ad, you make money. Also, the higher your site traffic, the higher your income.

Affiliate Marketing

If you have your own blog or website, one of the best ways to make passive income is through affiliate marketing. Affiliate marketing involves promoting someone else’s product or service, and earning a commission whenever a sale is generated directly from your recommendation. The most well-known affiliate program may be the one run by online retail giant Amazon, but there are thousands of other companies with programs of their own. Affiliate income takes time to build, but if you’re successful, it can be one of the best ways to make passive income.


Dropshipping is a form of e-commerce where the seller doesn’t hold the product, instead, it’s shipped to the customer directly from the supplier. The seller’s job is to find products to buy at a wholesale price, and then sell them at the retail price, by advertising them through an e-commerce store, like Shopify. When orders are placed, they go directly to the supplier who ships the product to the customer. The seller profits from the spread between the retail and wholesale price. Dropshipping has become very competitive, but if you can find a product that people want, and sell it at a profit, there’s lots of passive income to be made.

Learn to Outsource

If you’re an entrepreneur, chances are you have a tendency to want to control all aspects of your business. After all, no one else understands it as you do, nor is anyone else as invested as you are. But the problem with doing everything yourself is that the money you make becomes anything but passive.

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Dr. Vere’s Coat of Many Colours



By Gilbert Sikanyika

Doctor Kudzanai Vere belongs to the group of African young Turks determined to conquer the world and leave permanent foot-steps on the sands of life.


I have known Dr. Vere through social interactions over the years and I have come to know him as a pragmatic, hard-working, and purpose-driven person. He sets high goals and when he attains those goals, he sets even higher goals. He places a high premium on his aspirations. He challenges himself to challenge challenges in his life. He does not take “no” for an answer…He knocks, knocks, and keeps knocking until doors of opportunities fling open before him. He is tenacious and aggressive in his daily operations. He does not wait for opportunities; instead, he creates opportunities for himself. He is a workaholic if ever there was one.

He was compelled to stop school in form 4 due to family financial constraints but that could not deter him from pursuing his dreams. He started working as a Receiving and Costing Clerk at Redstar in Nyanga in Zimbabwe and he rose through the ranks to become Branch Manager within a spell of three years. He was arguably the youngest Branch Manager heading a Blue Chips Company when he was only 22 years old.

Doctor Vere has “A coat of many colours.” He is an entrepreneur, Author, and Speaker of international repute. He enjoys developing people in areas such as Entrepreneurship, Personal Development, Practical Business Management, Organizational Development, Financial Literacy, and Leadership Development.


Just what makes him tick

He gets inspiration from motivating himself and others. His life gets better when he impacts lives in Business related issues. He was born in a family of 10 in a remote area of Zimbabwe in Nyanga. He went to Maereka primary school, Nyatate school, and Mapako High School. He has also attended: Zimbabwe Open University, British College Of Professional Management, Coppetstone University among others. He has:

  • Diploma in Accounting
  • Diploma In Accounting In Business Management
  • Bcom Accounting
  • Certified Public Accountancy
    -Master of Arts in Leadeship and Management
    -Registered Public Accounting
    -Certified Forensic
    -Doctorate in Phylosophy in Entrepreneurship among others.

Dr. Vere is also a notable and versatile writer whose books such as Becoming A Person Of Impact and Exceed Beyond The Ordinary have blessed multitudes of people. It seems he is a “Jack of all trades and master of everything.”

His books have impacted the hordes of people from all walks of life because of the nuggets of life they carry. His presence is being felt almost everywhere and so far so good. Although he never completed formal education, he is a self-made man who has managed to school himself and has acquired a string of diplomas and degrees and was recently conferred with a Doctorial degree in recognition of his teachings and passion for entrepreneurship.

“The whole of my adult life I have been learning business at times passively and at other times actively. I have vast years of business management, ” he said. His ultimate goal in life is to become an oasis of inspiration in Business circles. He is married to a lovely lady Fortune who is the Managing Director of the family business empire. Doctor Vere is also blessed with a wife and five children.

Gilbert Sikanyika is a Writing Prophet based in Zambia

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Developers/ Programmers (Graduate Trainees) Wanted X 3 : YPPZ



Young People’s Program Zimbabwe Youth Association (YPPZ) is recruiting graduate trainees from the following disciplines:

  • Information Technology & Information Systems
  • Software Engineering
  • Computer Sciences

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