Amupolo Mvula (@C63problems) profile picture

metallurgical engineer

Namibia, OTT
Joined July 2023
Photo by Amupolo Mvula (@C63problems)Photo by Amupolo Mvula (@C63problems)Photo by Amupolo Mvula (@C63problems)Photo by Amupolo Mvula (@C63problems)
Amupolo Mvula retweeted
Yes. Affordability does stop people, but Banks are just selling you the property at a repayment (sum) based on future projections of what the value will be by the time (20, 15, 5 years later) you make your last payment, because that is the point when you've actually bought the property. If it's a depreciating asset, by the time you finish paying it, it's worth way less than the price of those years ago, therefore they charge only the price + the cost (interest) of having their outstanding money (loan). (Interest in layman's terms is birthed from the principle that there is a foregone opportunity to make money elsewhere with my money that you have, so you may as well be that opportunity.) If it's an appreciating asset, by the time you finish paying it off, it's worth way more than the price of 20, 15, 5 years ago, therefore they make sure you buy the property at today's price, not at the price of 20, 15, 5 years ago. We need to understand that we don't buy the property at the first installment, but the last. Then you get to realize the price you're paying is what that property is worth at that point when you settle the last $. If you're buying cash, you pay N$800k right now as that is what it's worth right now. If you're going to finish your payment in 2046, that's the point you'll buy the house, so you'll pay around N$1.8 million - the projected value that property will be by that time. You'll see that when you pay cash, you only pay the price at that point. When you pay in a short period, say 10 or 5 years, the repayment sum is also less than the one for 20 years. You'll get why if you compare how much a property was worth in 2020, 2015, 2010 and 2005. Those who bought properties in 2005, 2006 would tell you the properties they are paying off this year, that are worth, say around N$1.8 million today were worth around 500k in 2006. The question is, should I (Bank or Markus) leave you (Shikongo) with a property worth N$1.8 million that you're only finishing to pay off now (buying only now), and I must benefit only N$500k? That's the whole meaning of Appreciating and Depreciating Asset. We should interrogate the Affordability of properties as it goes back to that. If we question the payment period, we may as well include the repayment period of furniture, TVs and phones (2 years, 1 year, 6 months) in the conversation and ask why we aren't allowed to pay off houses and cars in 12 months if we can pay off beds in such a period.
On the question by Nudo MP on 5 years for a car loan vs 20 years for a home loan. And I’m asking genuinely, is there anything that stops people from paying off their houses off in 5 years?? Do banks prohibit people? 🤔 #NamSONA2026
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Amupolo Mvula retweeted
Replying to @namibiansun
Mostly Namibian, you ladies shall join their colleagues at this event. They are undercover sex workers hiding behind "girlfriend allowance and will you pay for my hair if I come to you." You ladies, please join your colleagues. It will benefit you all.
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If you FAILED and did not hold PREVIOUS Presidents and Governments ACCOUNTABLE in the Past when you had a chance to do that, it has NOTHING to do with US. We were in Primary/High School leading our peers . We are here NOW and we take our work seriously. ACCEPT this reality or step aside because we will not stop. History is a place of LEARNING and REFLECTION but NOT a place of RESIDENCE.
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Amupolo Mvula retweeted
Kids today will never understand this
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Amupolo Mvula retweeted
A man who expects a 50/50 with a woman is a softie, and can be seen as less of a real man, in our cultural perspectives, a man is expected to provide for his woman (not cooking & nails shandies though), provided that she is respectful, supportive, and committed to the relationship.
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Amupolo Mvula retweeted
BREAKING: According to shipping data, there are at least 150 tankers waiting outside the Strait of Hormuz. The UKMTO has said a vessel north of Oman and east of the strait "has been struck by an unknown projectile above the waterline" Latest: trib.al/LbdT4FF 📺 Sky 501
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New proposed Psemas contribution for Higher Option will be N$500 for main member and and N$240 per dependant. Standard Option will be N$240 for main member and N$120 per dependant. Better proposal indeed.
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Amupolo Mvula retweeted
A minister’s first date with Okuryangava clinic On 1 April – a date usually reserved for pranks – an honourable minister arrives at the Okuryangava Clinic with a limp. The timing is exquisite: barely 24 hours after President Netumbo Nandi-Ndaitwah effectively told Psemas members that private hospitals are now a fond memory. There are few things more romantic than a first date. The nervous anticipation. The careful wardrobe choice. The hope that reality will match the promises made in WhatsApp chats. Our minister arrives at the clinic dressed for resilience – comfortable, casual footwear, a belt from which his stomach hangs dangerously, and papers of previous medical treatments held under the sweaty armpit. The first thing he encounters is not a receptionist. Not a nurse. Not a VIP entrance. It is a queue. Not a queue in the polite, apologetic suburban tradition. This is a queue that snakes past the gate and curls around a pothole. No bodyguard: only Moses pushing his wheelbarrow of dry mealies from yesterday. Here, queue etiquette is Darwinian. The last arrival may be the first to enter, especially if accompanied by a fake cough and the confidence of someone who fears neither germs nor consequences. “Jou ma se k***”, he shouts at those questioning his behaviour. “Dis Tura hierso, gaan terug na jou leafy suburbs!" For the first time in adult memory, the honourable finds himself behind a grandmother who clocked in at 04:30 sharp and ahead of a man with a camping chair. The grandmother monitors her pulse. The minister monitors his dignity evaporate in the scorching sun – because he didn’t know he had to come with an umbrella. After three hours, the minister tries to gently explain who they are. The queue responds with the warmth of a broken freezer. Rank here is determined by arrival time, not by Cabinet portfolio. Eventually, entry is achieved. The doors did not open automatically. Only a shove that would have floored Jacques Burger in a rugby contest swung it wide. Inside, the air is a layered experience: antiseptic, damp files, and the faint perfume of baby poo. It smells like a budget speech that promised glory during Richard Kamwi’s time and was then quietly shoved under Luvindao’s office chair. By the sixth hour – after completing forms that require information already provided on other forms – the minister finally reaches the pharmacy window. That is it. The climax. The triumphant resolution of a long administrative pilgrimage. The pharmacist does not look up – not immediately. When she does, it is with the tranquil authority of someone who has mastered acceptance. The medicine is – of course – out of stock. This is the same minister who had once described supply chain chaos as a minor alignment issue. Now he is served the concoction of his own medicine – the pills of empty rhetoric. He blinks. The pharmacist blinks back. The grandmother from 04:30 collects her diabetes pills and departs like a seasoned champion. The honourable briefly considers calling his family doctor. Then he remembers the new rules. Public servants must use public facilities. Outside, the mielie vendor is doing brisk business. The queue has not shortened, it has reproduced. When the minister finally emerges – untreated but deeply oriented in the realities of his new world – something has shifted. The long queues are no longer an abstract statistic. The medicine shortage – no longer a line item. The smell of baby poo – no longer a rumour. It is real. It clings to his suit. It lingers in his hair. It follows him back into the black Mercedes-Benz like a policy memo demanding attention. Happy April Fools!
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Amupolo Mvula retweeted
Replying to @FNBNamibia
@FNBNamibia, I do not understand your position at all. When funds are stolen from a customer’s account and transferred electronically to another account, such transactions are traceable. It is possible to identify the receiving account and its rightful holder. Despite this, customers are repeatedly informed that there is nothing that can be done. If a bank cannot adequately safeguard its customers’ funds or take decisive action to trace and recover stolen money when traceability exists, it raises serious concerns about its effectiveness and reliability. Customers entrust banks with their hard-earned money on the expectation that it will be protected. This situation is becoming increasingly alarming. If financial institutions are unable or unwilling to assist customers in recovering stolen funds under such circumstances, customers may be left with no option but to place their trust in banks that are secure, responsive, and committed to protecting their clients’ interests like @NedbankNam @Nedbank.
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Amupolo Mvula retweeted
Imagine being mad because another man enjoyed his wedding, cleared the dancefloor and ate his celebration in the mouth??? Some of you need to log off, go outside and TOUCH GRASS. Your jealousy is leaking at the mouth braave, foaming ass nigga. TOYEYA NAYI!! Sies 😂😂😂😂
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Amupolo Mvula retweeted
The same thing happens to me. Who else does this happen to???😂😂😂
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Amupolo Mvula retweeted
MINISTRY OF HEALTH TO RECRUIT OVER 2000! 👏🏿 Strengthening health services & reducing congestion. 1,713 clinical & 337 non-clinical staff needed. Fast-track recruitment measures in place. Qualified health pros, apply now! #YourHealthOurPriority"
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Amupolo Mvula retweeted
Buying a house ANYWHERE in the north for anything over 1.5 million is mad business.
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Beautiful 😍
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Amupolo Mvula retweeted
I love being feminine, I love being led by my man
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Amupolo Mvula retweeted
After a certain age,...
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To live without any health condition is a blessing, No high BP No diabetes No heart problem No kidney problem No liver problem and most importantly No HIV or Cancer We must thank God every day koliks 🙏🙏🙏
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Don’t let people shame your progress just because it doesn’t match their timeline. It's your win and you shall be proud of it.
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Dear TRANSNAMIB Corrupt CABAL, okaBloka Nale 😉🤟🏿🤸🏿
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Amupolo Mvula retweeted
It was a blessing attending school during Sam Nujoma’s administration. Never once parents had to queue up all day in Waltons, we got all necessary stationeries we needed from school. Never once I went to a clinic and I was told “no medications”. Atu pandula Sam ya Nujuma 👏🏽👏🏽
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