Gazza - Lets get Together (Namtunes)

Namibian Music namtunes.com Gazza - Lets get Together (Namtunes) Namibian kwaito Music

[@andreasmwahafa6515]

Who's with me here 2024 🙋‍♂️

[@kaushitwakafidi]

This Gazza was different 💯

[@namwandipaultangi4113]

Never gets old,this makes me proud to be Namibian it truely does

[@nam_music_giants]

I'm still rocking this in 2023 😂❤

[@shikushonelly7476]

ECLIPES was ahead of his time,.

[@kelvintsikwa9792]

One of the namibian artest tht still hustles i saluut u gazza

[@tjiuoviojekahimise3072]

Missing the elegant Chi-Chi 😢RIP my love.

[@MJFortune-ry7bp]

Hitman, gal level, chi-chi, pontie, rogger, streetkidz the track was meaningful.

[@jamaicanaibab3971]

Omaruru men. 11nce b4 rettire. Here, I recognized as General Jamaica, please come and we differentiate Omaruru,,,,in the name of Mighty Swapo...Erongo General request 😢

[@AlexKanganga]

Gmp tot laaste for hustler mentality 💪 its nambashu uutinda all the way from Onesi ...currently in walvisbay soo this is the mentality i grew up in focusing on my hustler salute peace 🐐

[@jdjeremih4391]

still one of the big hits in 2019....

[@angelineafrikaner9055]

I dnt get tired of ths song 😍❤

[@nandesimon3538]

Gazza was spitting punchlines on this track

[@phillipmbudhi7387]

He Always Does

[@vikriah527]

Eish, this was lit 🔥 🔥

[@simplyunwindwithe]

Still a hit 😊

[@jackeyandima2042]

still one of my top Gazza songs after Tanauka

[@shakezmoover]

Still Gold, November 2021. Waiting on Messiah

[@blandinpofadder1279]

My day One song!!!

[@lxckie3189]

2023📌 HITS!!!!

[@sarahnehemia1171]

Ashike Gazza,aaye na tu efeni ashike maaan. Im still a fan 2023

[@berthaswartz8079]

This song is fire🔥🔥🔥👌

[@nakanyalaketu2750]

Please perform this song the next kasi vibe

[@sheefenimathias7947]

Gazza should remix this song man 🔥🔥

[@robertjika7784]

Classics..🔥🔥🔥

[@rabymbara6669]

2024 we rocking

[@staceybooqueen]

2020 ♥🇳🇦🇬🇧

[@juanitesianusuiseb3475]

Fav🎉🎉years are gone but menories

[@BryanStephanus-kb2bx]

Time of the converse....

[@ndapewa_t]

lit🔥🔥🔥

[@josephshipikita4977]

I like this song. #GMPisBlessed

[@tangenibenjamin7947]

on repeat

[@johnnyalarkie7304]

on repeat love the song lyrics on point

[@mandyjod6729]

🔥✌️

[@niahkustaa995]

I love gazza mahn

[@paulusamutenya-gc2zm]

gazza oshiima shakula

[@GD00701.]

My girlfriend said she doesn't like this song she's single now GMP4LIFE❤

[@romileynaris794]

2019!!!

[@karlfuture_9548]

It’s a classic 💽

[@jeransaunders5127]

Also one of my favourites

[@sondiwerner9831]

Corona het niks oppie hit nie

[@parnellap]

november 2018 nou nog taaf

[@WhyteDestiny]

2024❤

[@Tommy-ss9yh]

September 2024 anyone?

[@Don_Patron785]

2025 and still a hit🔥🔥

[@kampunguromanus7898]

still coming here.

[@lilongeninakale4104]

Pontie 2:40 🔥🔥🔥🔥

[@onkemetsemonde7201]

Still💥🔥🔥

[@akunauusiku79]

What Ponti did on this song from 02:41 - 03:35 can never be replicated?

[@amapolotv5201]

2020 approves

[@garthbrandt1019]

2021???😭🔥

[@devitchi]

LEGEND

[@theatmosphere1229]

2019

[@kaunambili1173]

🔥🔥🔥🔥🔥🔥🔥🔥

[@georgekuhlmann8730]

Daai is my ou

[@presleykauejao4478]

🖤🖤🖤🖤💯💯💯💯😎

[@immobr_vke9555]

Another1

[@ahamundjebo]

What is the name of the guy singing the chorus again? The light in complexion one?

[@richardkabo7086]

Ponti

[@quonjanambahu]

I skip a beat every time i see the late Chi-Chi🥺

[@ssnekomba]

2024🎉🎉🎉

[@prettypeyalimon6097]

🇳🇦❤️💕🔥💝🔥🥂

[@rahherman8525]

Seeing this jus missing chichi

[@monikasakarias7360]

Who is here for Roger's vocals?

[@heiston3]

where the background vocals rogers?

[@shikushonelly7476]

is that not ponti@@heiston3

[@heiston3]

@@shikushonelly7476 but which vocal’s are rogers or he backed up?

[@militarygang5824]

Let's get together

[@nelawrencesomseb7408]

2020 2021 2022 2023 2024 and forward still the best till I am a old tate

[@davidshivute2648]

Introduction to customers and customer lending Question 1 In your own words explain the following terms and give their significance. Real Estate underwriting is a real estate loan evaluation . In a real estate underwriting,in addition to assessing the borrower, the property itself is scrutinized. Underwriters When trying to and figure out whether the property is capable of redeeming its own value or not they use most of the time the debt service coverage ratio. Reference revised on (definitions.uslegal.com/r/real-estate-underwriting/) Insurance underwriting Refers to the process of issuing insurance underwriting means receiving remuneration for the willingness to pay a potential risk. # How much coverage the client should receive is decided by the insurance company ,how much the client should pay for this coverage , or whether even to accept the risk and insure them. measuring the risk exposure and determining whether the premium that needs to be charged to insure that risk. Revised on reference (en.m.wikipedia.org/wiki/Underwriting) Forensic underwriting This is the process used by lenders to assess what went wrong with the mortgage or loan taken by the client. Not only examining Post funding loan and also uncover potential fraud and misrepresentations, but it also helps identify opportunities for improvements in the loan origination process. Revised on reference (definitions.uslegal.com/f/forensic-underwriting/) Impaired credit Debt to income ratio Debt to income is a personal finance measure that compares the amount of debt you have to your overall income.while credit to income ratio is a measure of how much credit you’re using compared with how much you have available. The significance of debt to income ratio is a big factor to lenders ,they use this to decide whether to lend to you because it indicates how able you are to take on an additional financial obligation.credit to income ratio is used by lenders who want to determine if a client is maxing out thier credit cards. Reference (www.investopedia.com/terms/d/dti.asp) revised Question 2 A loan is defined as a sum of money that individuals of businesses borrow from financial institutions and they are expected to be paid back with interest. Loans are classified into different categories; explain different loan classification Long-Term Loans These are loans were repayments can last for a few years up to several years such as 10-15 years . They are often used for business expansion, acquisition, refinancing, or working capital. Long-term loans are typically repaid on a monthly basis, and tend to be in larger amounts and with lower interest rates than short-term loans. * Bonds * Lease obligations or contracts * Contingent obligations. * Student loans * Mortgage loans Reference (www.fool.com/knowledge-center/accounting-examples-of-long-term-vs-short-term-deb.aspx) Short-Term Loans A loan scheduled to be repaid in less than a year. Rather than requiring monthly payments, short-term loans are due, in full, at the end of the agreed-upon term. These loans are often used for shorter term needs to build up inventory, raise cash for accounts payable, or complete small projects. Eg *Working Capital Loans. ... * Invoice Discounting. ... * Business Line of Credit. Reference (www.wallstreetmojo.com/short-term-financing/)

[@naftalgideon4380]

U still going ùnpupih u ouuh

[@wolfsheimshafuda7694]

2022

[@edy.edwards]

Who's the other guy?

[@joytjombonde4583]

Ponti

[@uksumthngwrng2805]

Hola 2024

[@teoposeckou4368]

2022🔥🔥🔥

[@tangenielectricalbash5652]

Miss chichi

[@ndapewashetunyenga9812]

INTRODUCTION TO FINANCIAL STATEMENTS 1.1 Five areas that financial ratios concentrate on are. a) liquidity, profitability, debt, efficiency, market related. b) profitability, strategy, liquidity, auditing, share prices. c) liquidity, current ratio, quick ratio, interest cover, dividend cover. d) market related, share prices, dividend policy, debt policy, strategy. e) none of the above. 1.2 Ratios that measure the ability of the company to pay its short-term debts are called: a) debt ratios; b) cover ratios; c) liquidity ratios; d) profitability ratios; e) none of the above. 1.3 Current assets divided by current liabilities is the definition of the: a) interest cover ratio; b) dividend cover ratio; c) quick ratio; d) current ratio; e) none of the above. 1.4 The quick ratio is defined as: a) current assets divided by current liabilities; b) current assets divided by total debt; c) current assets less inventory, divided by total liabilities; d) current assets less inventory, divided by current liabilities; e) none of the above. 1.5 Return on sales ,return on assets and return on equity are examples of . a) liquidity ratios b) profitability ratios c) debt ratio d) efficiency ratio e)market related ratios 1.6 return on assets is defined as: a)operating income divided by owners’ equity; b) operating income divided by sales; c) operating income divided by total assets; d) operating income divided by long-term assets plus debt; e) none of the above. 1.7 Net income divided by shareholders’ equity is the definition of a) return on sales; b) return on assets; c) return on equity; d) asset turnover; e) none of the above. 1.8The debt to equity ratio measures; a) the likelihood of the company going bankrupt in the short term; b) the efficiency of the company; c) the relative proportions of debt and equity in the capital structure; d) liquidity; e) none of the above. 1.9 The interest cover ratio measures: a) the leverage of the company; b) the efficiency of debt; c) the weighted average cost of capital; d) the relationship between interest and profit; e) none of the above. 1.10 Total asset turnover, receivables turnover and inventory turnover ratios measure: a) liquidity; b) profitability; c) efficiency; d) debt; e) market related factors. 1.11 The receivables turnover ratio is defined as a) sales divided by receivables; b) receivables divided by sales; c) receivables divided by one days’ sales; d) receivables plus bad debt allowances. e) none of the above. 1.12 To measure the efficiency with which inventory is used the following ratio should be used: a) inventory turnover ratio; b) inventory holding period; c) lower of cost or market valuation of inventory; d) a or b, but not c; e) a,borc. 1.13 Earnings per share is affected by: a) net income; b) number of shares; c) dividends; d) a & b, but not c; e) a, b & c. 1.14 The price to earnings ratio measures: a) the rationality of the stock market; b) the liquidity of the company; c) the public’s perception of the company; d) the ethics of the company; e) none of the above. 1.15 The dividend cover ratio is defined as: a) dividend divided by net income; b) dividend less interest paid and taxes; c) operating income divided by dividend; d) net income divided by dividend; e) none of the above. Question 2 2.1 How is financial accounting information communicated to users? Financial accounting reports are communicated through financial statements such as balance sheet,income statement and cash flow statements compiled using generally accepted accounting principles. These reports are used by investors, business owner ,government and also different financial institutions such as banks ,these help them find out about the operations of the business whether it is safe to invest in ,and whether the business is running efficiently in order to pay the loan or lease they applied for. 2.2 Define liability and equity and give appropriate examples for each. Liability is an obligation, that is legal to pay like debt or the money to pay for the services or the goods utilized. They are settled over a particular time period.Some of the examples of Liabilities are Accounts payable, Expenses payable, Salaries payable, Interest payable. Reference (www.investopedia.com/terms/l/liability.asp) Equity refers to the amount of capital contributed by the owners or the difference between a company's total assets and its total liabilities.Examples include common stock and preferred stock, retained earnings and also accumulated profits. Reference (www.wallstreetmojo.com/owners-equity-examples/) 2.3 Answer the below questions with regard to current assets in a firm. (a) What is current asset? (Just Define) a current asset is any asset which can easily be sold, consumed, or exhausted through the normal operations of a business within the current financial year. Reference (www.investopedia.com/terms/c/currentassets.asp) (b) What does current assets include, give examples. * Cash and equivalents. * Short-term investments * Accounts receivable. * Inventory. * Prepaid expenses. * Any other liquid assets. Reference (www.fool.com/knowledge-center/how-to-find-total-current-assets.aspx) (c) Why are current assets so important to any firm? It is important because it affects the liquidity of a company. Cash is the source of income of a company to be able to operate. No matter how asset rich a company is, it still requires sufficient cash flow to pay all their employees and suppliers on time and avoid bankruptcy. Reference (www.quora.com/What-are-the-characteristics-of-current-assets-Why-are-they-important) Question 3 Based on the below Balance Sheet, Profit & Loss Statement as well as the Cash flow statement, calculate the following ratios for 2006: 4.1 Gross Profit Margin 𝑃𝑟𝑜𝑓𝑖𝑡 𝑀𝑎𝑟𝑔𝑖𝑛 = 𝑆𝑎𝑙𝑒𝑠 − 𝐶𝑜𝑠𝑡 𝑜𝑓 𝑔𝑜𝑜𝑑𝑠 𝑠𝑜𝑙𝑑 ÷ sales × 100 2 676200 -2 072000 ÷ 2 676200 × 100 = 22.57% 4.2 Net Profit Margin (4) 𝑁𝑒𝑡 𝑃𝑟𝑜𝑓𝑖𝑡 𝑀𝑎𝑟𝑔𝑖𝑛 = 𝑁𝑒𝑡 𝐼𝑛𝑐𝑜𝑚𝑒÷sales × 100 182200 ÷ 2 676200 ×100 =6.8% 4.3 Return on capital employed (ROCE) (4) Operating profit ÷ capital employed × 100 4.4 Dividend per share (4) 4.5 Earnings per share (4) 4.6 Average settlement period for debtors (Assume a 365 days year) (4) 𝐴𝑣𝑒𝑟𝑎𝑔𝑒 𝐶𝑜𝑙𝑙𝑒𝑐𝑡𝑖𝑜𝑛 𝑃𝑒𝑟𝑖𝑜𝑑 = 𝐴𝑐𝑐𝑜𝑢𝑛𝑡 𝑟𝑒𝑐𝑒𝑖𝑣𝑎𝑏𝑙𝑒÷ 𝐴𝑛𝑢𝑎𝑙 𝑠𝑎𝑙𝑒𝑠 ÷ 𝑛𝑢𝑚𝑏𝑒𝑟 𝑜𝑓 𝑑𝑎𝑦𝑠 𝑖𝑛 𝑎 𝑦𝑒𝑎𝑟 2052000 ÷ 2 676200 ÷365 = 2.1 days 4.7 Sales per employee Sales ÷ total number of employees in 2006 2 676200 ÷30 = 89206.66 per employee 4.8 Current ratio 𝐶𝑢𝑟𝑟𝑒𝑛𝑡 𝑟𝑎𝑡𝑖𝑜 = 𝐶𝑢𝑟𝑟𝑒𝑛𝑡 𝐴𝑠𝑠𝑒𝑡 ÷𝐶𝑢𝑟𝑟𝑒𝑛𝑡 𝐿𝑖𝑎𝑏𝑖𝑙𝑖𝑡𝑖𝑒𝑠 5070000 ÷ 1572000 =3.22 4.9 Quick (acid-test) ratio 𝑄𝑢𝑖𝑐𝑘(𝑎𝑐𝑖𝑑 − 𝑡𝑒𝑠𝑡)𝑟𝑎𝑡𝑖𝑜 = 𝐶𝑢𝑟𝑟𝑒𝑛𝑡 𝐴𝑠𝑠𝑒𝑡 − 𝐼𝑛𝑣𝑒𝑛𝑡𝑜𝑟𝑦÷𝐶𝑢𝑟𝑟𝑒𝑛𝑡 𝐿𝑖𝑎𝑏𝑖𝑙𝑖𝑡𝑖𝑒𝑠 5070000-2950000 ÷ 1572000= 1.34 4.10 Gearing ratio

[@davidshivute2648]

Question 4 Distinguish between a capital market, money market, bond market, stock market and commodity market. [25] Capital markets Are markets where savings and investments are channeled between the suppliers who have capital and those who are in need of capital. The entities that provide capital include retail and institutional investors while those who need this capital such a businesses and people. Reference (www.investopedia.com/terms/c/capitalmarkets.asp) money market refers to trading in very short-term debt investments. At the wholesale level, it involves large trades between institutions and traders. www.investopedia.com/terms/m/moneymarket.asp Bond markets The bond market broadly describes a marketplace where investors buy debt securities that are brought to the market by either governmental entities or publicly-traded corporations. Reference (www.investopedia.com/terms/b/bondmarket.asp) stock market The stock market refers to the collection of markets and exchanges where regular activities of buying, selling, and issuance of shares of public companies take place. Reference (www.investopedia.com/terms/s/stockmarket.asp) Commodity markets A commodity market involves buying, selling, or trading a raw product, such as oil, gold, or coffee. Reference (www.investopedia.com/terms/c/commodity-market.asp) QUESTION 5 (a) Explain the concept of “hedging” with examples. [8] A risk management strategy used in limiting or offsetting probability of loss from fluctuations in the prices of commodities, currencies, or securities. For example, if a homeowner takes up insurance, the homeowner is hedging the property against fires, break-ins, or other unforeseen disasters. Reference (www.businessdictionary.com/definition/hedging.html) (b) What is a “foreign exchange market” [7] The foreign exchange market is a global marketplace that determines the exchange rate for currencies around the world. Participants are able to buy, sell, exchange and speculate on currencies. An example of foreign exchange is a Namibian based company doing business with a company in Japan and paying them in Namibian currency. In addition to examples a Namibian family planning to take a vacation to the United states of America they first have to change the currency of the money they have to USD in order to be able to purchase goods and services in the US . Reference (www.investopedia.com/terms/forex/f/foreign-exchange-markets.asp)

[@diazsangeve]

What's the coloured guys name

[@bridgetuiras3188]

Ponti

[@homeboyempirecowbornrecord5076]

Gazza

[@thulasizwekubheka2384]

Channel O Oboma show was uniting Africa, then they cancelled it.

[@edwardmanya7523]

Gmp

[@IsakAmunkete]

2017

[@tangenielectricalbash5652]

Still my favorite

[@sondiwerner9831]

Co rona kaak

[@slaying4satan]

April winter is coming too early this year; lets get together 😆

[@nashiekaronga211]

2020

[@kenny9871]

🔥🔥🔥🔥

[@tjazinuuyoma1475]

2022

[@mikepetrus]

2019

[@marthalevenha7738]

2019

[@charlestrum]

2020