The features of small businesses that succeed || Tonnie Mello

[@walternyabaro6602]

One thing have learnt in this life is dont take advice from someone who has not done what you want to do

[@Mr.Principle-J]

For me this is the most realistic conversation i have ever heard in business. This man knows his stuff! Leta yeye tena.

[@beatricewangari1801]

Thank you Kingori for the content you are giving us. How many people will tell you to kill the business when it sops sustaining itself.

[@heisyangii]

I finished reading poor dad and Rich Dad and Rich Dad's CashFlow Quadrant by Robert T Kiyosaki. Now I fully understand this conversation. I'm honoured manze❤

[@movies-now01]

😅weweee Kingori the Super Useful info on your channel its only God who can reward you man.. Very serious Channel

[@JobNdungu-pt2ie]

Tonnie Mello nailed it completely by using football terms to explain most of the concepts.🙌

[@pixelsted]

As you watch this fascinating conversation.....don't just skip the ads moja au mbili...patia King'ori shukran through earnings....

[@sylviakorir9748]

Dr.king'ori,am one of your silent diehard follower and fan, I never miss any of you show post❤have been mentored here so much,now kindly I would like you to bring us Etica capital manager, I would be glad to know more about mmf investment, thank you

[@mrmwa5061]

I second you on this. @king'ori please

[@ericmurithi6662]

😊😊😊😊😊

[@sylviakorir9748]

@@mrmwa5061 thank you 🥰

[@centstowealth8184]

Follow finance coach,s like Coach Susan Wanjiku , and you will know all this infor.

[@mcboosterkings3177]

Kindly @kingori

[@sylviawairimu630]

Leo nimechangamka mbaya i love this conversations ❤

[@stellarombe9614]

Wow I will search for Tonnie when am in Kenya......he is real👌

[@evansasena1653]

This is a masterpiece

[@naomiwanjiru6211]

The interview was worth every second..good job doctor

[@calebkemei1361]

Kindly do for as ETICA CAPITAL manager..... There's a lot we need to know on money market fund

[@mercyk2672]

Here in America there's something we call old money, these people have generational wealth and most often they drive old reliable cars, even if they can afford the best. New money shows off by buying the most luxurious cars and wearing designer clothes. Unfortunately, most of us Kenyans are still in the new money mindset 😆 🤣

[@Komu254]

Also tuned here in Seattle

[@fredkangethe7497]

​@@Komu254greet all the Kenyan friends there.

[@WilsonAkama]

True

[@jamesnyorotha8961]

The issue of owning house is quite controversial but I feel we just look at this only from a financial point of view, which is a valid view. However, our country has a lot of economic shocks that can take individuals from Grace to grass in no time. Take for example the example of a unseen terminal illness that comes up in a family. On top of that, you have rent that is burdening the family. My feeling is that home ownership isn't a luxury and everyone should be encouraged to own one. However, the issue is usually the cost. I argue, if the advise is owning a car that one is able to manage, why not encourage home ownership of the same level. Guys in reserve use locally available material to build their homes. We should mimic such a model to own homes. Who said that brick and mortar is the only way out. I have a friend who built a house in Ruiru eastern bypass using recycled plastic MDFs and then insulated using gypsum boards. Guy was paying 20k in rent. Life isn't straight forward and homeownership gives some sense of security, regardless of the times.

[@richardmwambanga2423]

Actually before "building a home" there's "owning land"

[@jamesnyorotha8961]

@richardmwambanga2423 Of course you wouldn't build a house on water. It includes owning land

[@reinhardbonnke3313]

Owning land is actually an investment on its own the house might not appreciate, but the land automatically appreciate

[@jamesnyorotha8961]

@reinhardbonnke3313 exactly. When I hear people say that building a house is losing money, my heart cringes. You're building on land that appreciates over time. If you ever want to dispose of it in the future, it will accrue some form of capital gains. No. 2 that is overlooked is the form of insurance a house takes. We really underestimate this aspect.

[@georgemusembi8424]

​@@jamesnyorotha8961That land appreciation is usually too low. Time value of money or basically inflation will wipe out that little appreciation. Home ownership is largely a scam that people don't know

[@sylverdance8807]

I have learnt aloooooot manze, thank you Sir for this channel. One day I will be interviewed in your podcast.

[@nicklaus8536]

Tonnie Mello is a class act by himself !!! How do these guys get all this knowledge just by teaching themselves? Kingori is too smart cause he always gets the best !!!

[@josephmwenda6619]

This is one of the greatest interview you have ever made. Tonnie is such a brilliant mind and real.

[@peterkamiri68]

My bundles are worth watching your videos asante sana .

[@bethndungu6508]

Waoh what's information good one

[@muthamathedesigner]

Worth every second...very insightful kazi safi Dr 🔥🔥🔥

[@mavenmedia256_epodcast]

Dr. I don’t know what keeps happening to this excellent work of content, it stops at different intervals

[@JesusIsMyKing-abc]

yeah, there are periodic pauses, then it resumes

[@PeterJosh-m5n]

This channel can transform your mindset down up in the shortest time possible.

[@Ndoto.Adventures]

Aaah, Shaman , vida inakatikatika in very important places.

[@jacksonogwindi1653]

True

[@annymwangi5846]

I like 👍before watching

[@josephtitus4081]

keep going uncle tonny

[@slpnbeauty]

Tonnie Mello is spot on! 💯

[@IngeniousSide]

The conversation is very insightful and worth every second, that egg analogy is everything you need to know in life

[@royfordmboroki8808]

Kingori bring someone to talk about pan Africansm

[@nickagnum]

Keep up the good work my guy🎉❤

[@beatricekinyua3952]

very very insightful a master class in financial literacy

[@gakuozero1954]

Dr king'ori much respect for the change u bring to my business life❤❤❤

[@morgankirauma7343]

Am grateful what I have learnt ..use what you have to get where you want to be it's a continuous process but eventually worthy🎉❤

[@chrizpylot4852]

Profound! Worth paying attention to.

[@albertojuka7304]

This is the best money advice I have listened to!!

[@CounselorKen]

Great convo out here.

[@beatricewangari1801]

I would encourage mostly young people on payslip to buy plots/land as many as they can. Will expound on this later.

[@keziahmanthi]

Very great conversations Dr. Kingori ...Your shows 👌👌👌👌

[@stanleyotieno1629]

i am on the right track,,,, savings ni muhimu

[@speaklifeafrica]

Favorite channel

[@Tiler254]

Best advice

[@JovinAgrrey]

on point realistic TIPS here!

[@akisso100]

Odoo never called back when I reached out..

[@duniabahati]

Tonnie is talking reality

[@mercyk2672]

Interest rates in Kenya are just out of control. I remember my siblings urging me to borrow money to build but I couldn't imagine paying 25% Interest. I started saving money in mutual funds for 10 years and was finally able to build using cash. My siblings on the other hand are stuck paying loans. My project was a bit smaller than theirs but I still wouldn't do it any other way. For perspective, we're all based in America.

[@ichooseviolence2532]

Why take loans in Kenya with exorbitant interest rates when you can take loans in America which I think is 3-5% since y'all in America??

[@mercyk2672]

​@@ichooseviolence2532true, they could have done that, or just worked and saved. They could have been able to save enough money in 3-4 years.

[@nakelu]

​@@ichooseviolence2532 This question is too hot. Please allow her to not answer. She us a student of zakayo

[@simplygoodfood]

Totally agree, borrowing in Kenya is a no no!

[@MwangoF]

Great discussions. Thank you

[@jacksonogwindi1653]

I have done that timber business, it's one of the most tricky business, the dishonesty in that business is out of the roof,trade carefully.

[@naftalmosioma2273]

Good insights!

[@myyke-o4u]

KEEP UP MAN WE ARE GAINING ALOT

[@harrisonmarex]

Interesting and educative

[@david_kariuki]

Great content

[@akinyiokeyo4618]

Classical case of cutting coat according to size....

[@ericmacharia5158]

Good stuff!

[@whytemanh]

So nice🎉

[@mercyk2672]

I think a good education can serve some people well based on what field they go into and where in the world they are. In America, engineering tech and Healthcare fields are in high demand. My friend studied electrical engineering and got a high paying job with Boeing with only an undergraduate degree. I have a masters degree in a different field and I'll never be able to match his earning potential

[@akinyiokeyo4618]

Thief of joy right there....comparison!

[@dionnavalia3754]

😂😂😂dr kingori is my twin am building na house home to sleep in when am there...n for retirement

[@brianmwangi3543]

Msee wa Sound in the last 2 episodes kuna hiccups sana

[@dishon_jesse]

Weh jamaa wa sound... bado.

[@jacksonogwindi1653]

Nunua simu, please 🙏

[@dishon_jesse]

@@jacksonogwindi1653 Why? Why should I buy a phone? Hujui sound unaniambia nini.

[@beatricewangari1801]

Kingori, I totally disagree with the idea of looking for a place sleep when you go gichagi. If you are able build a decent inexpensive hse to sleep in.

[@jakapundakhakipapers2571]

Such good classes should not have ads😂😂😂

[@nicomutua]

ADs are how we pay him for giving us such valuable conversations.

[@jacksonmichael5603]

Damn😖🤯

[@joshuaetyang1790]

Good stuff Kingori but work ok your audio,it has hiccups

[@danielmaina1588]

Wanjigi said *you never borrow for the current*

[@sassxaax6559]

Daktari please can we get 1 episode per day kama mwalimu wa maths

[@ichooseviolence2532]

I'm 27 and just started investing in MMF with 400k but on the other hand my guardians are trying to choke me with Black Tax. What to do mehn!

[@j.mnjoroge336]

1. "No is a sentence", be firm when you say no especially on cash ment for investment (A part of what you earn is your to keep/by investing). 2. Have a budget and stick to it no matter what! It's good to support your guardian if you have the means but don't let it go above what you have budgeted.

[@akinyiokeyo4618]

Wewe ushaomoka...good for you

[@ainejoan]

I would advise that use the Hebrews method of 5 pots ,where you did you salary according to 50%expenses 20%savings 10%tithing 10%giving. It's not fixed you can change according to your budget

[@ainejoan]

10% on wants/splashing on yourself

[@morgankirauma7343]

Have a goal each month on how much you intend to save in the mmf firstly, secondly put the black tax in banks accounts in that you will slash from therein 😂that's what keeps me moving

[@daviewarari7348]

I'm curious.. How does buying a car with a SACCO's loan save you? Car loan 1,000,000, dividend say 12% p.a, thats 120k p.a. Yet the interest is about 12%.

[@davidgachoka]

That was relative to using a Bank loan which is more expensive.

[@PeterXyzdlv]

hapo kwa putting money in sacco and later come and take loan, boss ... ask us

[@mosalahwonders5577]

what happened

[@EssayAcademic]

Doing what you are passionate about is not business advice. Do you mean that the guy manufacturing cement loves cement so much or that Devki's boss loves metal? No, it is about identifying a niche where you can fit and pursue it.

[@wanjirumuturi]

My little understanding of passion and business. Your example if cement . The person is so passionate about construction engineering and that line. The person also sees a niche that cement is a struggle in the construction industry. So his passion works still played a part in the niche. If he lacked the interest in construction he would not have noticed the niche. Again before a business stands and becomes successful the first year or years is hell . That calls for the determination and if the determination is money then will you stay when you making losses? But with passion you keep reinventing and figuring out okay I still want this same thing but how do I make it better?

[@Avaricumstudios]

Sijai fika mapema ivi

[@PeterJosh-m5n]

Same here

[@JackMweru]

😓Hi , ODOO SYSTEM Disclaimer !! I have just onboarded Oddo for my accounting System after your video and other influencers marketing lakini !! (Not so User friendly, their team is rude hawataki kusumbuliwa na ukizidi maswali wanataka ulipie extra basic assistance.Weeeh! my 3-month payment itapotelea chini aki 😤

[@ladyru2616]

I bought land that I've never even gone to see. ..anyone in Kajiado Shekina kuja we talk

[@rbmedia4188]

Please host Coach Roy Okonji

[@TheWickedEditionDrKingori]

Thank you, we'll take that into consideration.

[@SpiceFmCuts]

Advice, know the algorithm and trends, sai maneno ya bad governance na minerals ndo wasee wanadai kuskiza, look at how lynn ngugi is making at, bring the real time issues

[@jacksonogwindi1653]

Achana, tuko sawa na mambo ya biz,doh.

[@strickygeminienfp_1395]

If you read the laws of nature you won't be here complaining about changing the system to serve your emotional needs .....just watch Lynn Ngugi she serves your interests​@@jacksonogwindi1653

[@barrytirop7485]

King'ori you need a new editor. Too many breaks. I'm offering to do it for free for a while

[@AfriTechChronicles]

Wueeeh Awsomeness: kzbin.info/www/bejne/bWWmlIdmlL57osU