FOM Investments

FOM Investments Group of individuals with same mission and goals.

04/12/2024

Purchasing shares has both positive and negative impacts, depending on various factors such as market performance, personal investment goals, and external economic conditions.

Positive Impacts:

1. Potential for Growth: Shares can increase in value over time, offering capital gains.

2. Dividend Income: Some companies pay regular dividends, providing an income stream.

3. Ownership in Companies: Buying shares gives you partial ownership in a company, allowing you to participate in its growth.

4. Liquidity: Shares are relatively easy to buy and sell in the stock market, providing financial flexibility.

5. Diversification: Investing in shares can help diversify your portfolio, reducing overall risk.

Negative Impacts:

1. Market Volatility: Share prices can fluctuate widely, leading to potential losses.

2. Risk of Loss: There's no guarantee of returns; investments can lose value.

3. Emotional Stress: Watching share prices rise and fall can lead to stress or emotional decision-making.

4. Transaction Costs: Buying and selling shares can incur brokerage fees and taxes.

5. Dependence on Market Conditions: The value of shares is influenced by market and economic conditions, which can be unpredictable.

Understanding your risk tolerance, investment horizon, and financial goals can help you weigh these impacts effectively.

07/09/2024

DON’T JUST BUILD A HOTEL, BUILD A HOTEL.

Sam Walton the founder of Walmart once said, “If you build it, they will come.” I say to you, what do you want to build? What drives you? What inspires you? What are the most important matters in your life? How you handle these matters will make you a great success or a successful failure.

This article addresses some of the many failures in our lives as well as the missed steps to success.

Yesterday I took a drive to two buildings. One is a Hotel less than six months old. Another a hotel that is over twenty years old. The purpose of this visit was to sight see and to view life from a different angle. To see what wealthy people do and how they spend their money.

I was shocked at the levels of excellence with one and the levels of mediocrity with the other. It is amazing how two people can have the same opportunities (the same amounts of money) yet one delivers excellence beyond measure and another delivers mediocrity incomparable.

How can a six month old hotel look like a thirty year old place? What secretes have the other people incorporated that have allowed them to survive and to flourish? Permit me to submit to you the six reasons why I think it is so;

1. OVER AMBITION; the size of the six month old hotel is huge. The thirty year old hotel is four times smaller. Have you noticed how the square kilometers of Europe in general are smaller than the square kilometers of Africa? Yet size does not mean you are better.

2. POOR DESIGN; we must think through everything we do. It is one thing to want a twenty bed-roomed house. But if those twenty bedrooms will look like a secondary school dormitory then you are better off building a two bed-roomed house that is designed like a mansion.

3. CHEAP THINKING; I used to think that poor workmanship was the problem. A tool does not speak. It is the thought behind that tool that speaks.

4. PHOTOCOPIED IDEAS; some people just copy ideas but never copy the value system behind the ideas. I want to know the why more than the when and the why not rather than the how come. Many people are lazy to study so they just copy. Ideas that are copied are never productive.

5. OVER DELEGATION; some things start well. Along the way we delegate responsibility to people who should not be doing what we give them. The six month hotel has glass everywhere. It is wonderful to design a building with glass. But if you don’t clean glass it looks pathetic, dirty and frankly disgusting.

I was heartbroken. Who is the manager of this hotel? Does it have a general manager? Does it have a house keeping manager? That place needed help.

Sometimes you don’t just tell a driver this is how I want you to drive by drawing on the board. You actually jump behind the wheel and drive. Then you spy on him to see how he drives in your absence. That is your bus, your name on it and your responsibility to make sure it is driven well.

6. REDEFINING SUCCESS; just what is success? Is success the generation or the birth of an idea or is success the ex*****on of the idea?

CONCLUSION
Don’t be a mistaken identity or a copy of a person. You are a great leader who is a fantastic original. You do not have to imitate anyone. Just be yourself.

You are a man of quality. You are a woman of greatness. Redefine your success and see success define you.

Are you building a Hotel or a Hotel?

16/04/2024

12 Interesting Lines that Will Keep You Going When Times Get Tough.

1. “Challenges are what make life interesting and overcoming them is what makes life meaningful.”—Joshua J. Marine

2. “Accept responsibility for your life. Know that it is you who will get you where you want to go, no one else.”—Les Brown

3. “The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.”—Martin Luther King, Jr.

4. “Our greatest glory is not in never falling, but in rising every time we fall.”—Confucius

5. “When you come to the end of your rope, tie a knot and hang on.”—Franklin D. Roosevelt

6. “To be tested is good. The challenged life may be the best therapist.”—Gail Sheehy, Author

7. “When the going gets tough, the tough get going.”—Joseph Kennedy

8. “You may encounter many defeats, but you must not be defeated. In fact, it may be necessary to encounter the defeats, so you can know who you are, what you can rise from, how you can still come out of it.”—Maya Angelou

9. “The brick walls are there for a reason. The brick walls are not there to keep us out. The brick walls are there to give us a chance to show how badly we want something. Because the brick walls are there to stop the people who don’t want it badly enough. They’re there to stop the other people.” —Randy Pausch

10. Life may be hard, but resilient people are harder.

11. Mirror is your best friend, because when you cry, it never laughs.

12. But remember that real situations reveal fake friends.

20/03/2024

DHL SUCCESS STORY AND LESSONS

September 25, 2023, DHL celebrated 54 years in business.

In 1969, Adrian Dalsey, Larry Hillblom, Robert Lynn, whose surnames formed the acronym DHL started a door-to-door delivery service in San Francisco, USA

DHL is the initials of the surnames, Dalsey, Hillblom and Lynn.

After 54 years, DHL has over 550 000 employees,32 000 vehicles, 250 planes.

DHL has presence in almost every country and city on earth more than any other company.

During its 50 years anniversary, the Global CEO of DHL Express in an interview was asked what has sustained DHL for the past 50 years.

His response was that DHL treasures every single customer.

He said that it gives them great pain for every unfulfilled courier service experienced by a customer.

After reading through his interview, I asked myself one question.

“If a company as big as DHL can feel the impact of a dissatisfied customer, how much more me?”

Let's look at few lessons here, shall we?

📌 That small business you are handling anyhow may be the starting point of a multi-national.

📌 Alliance is business is far greater than solo journey. It is better to own 10% of 1 billion than 100% of 50 million.

📌 Every business has ONE CUSTOMER.

Yes!

That customer you refused to respond his chat.

That customer that can't afford your premium product but can afford your product of 10k.

Treat every customer right because he/she is the only one that can sustain your business.

Cc: thesalesguru

27/02/2024

Business idea for Middle Entrepreneurs.
Capital base 10 to 40 million .

Key
You need a business that provides cash dairly. Not tomorrow not next week coz u have to multiply ur finances fast unlike the rich who can invest today and make money in 5 years . They won't complain they have other cash to cushion. You need money everyday.

Problem.
Malawi border has no serious food center . Travelers both leaving and entering Malawi suffer same issues . No serious resting place for a nap

Opportunity
Malawi has boarders . Vibrant boarders . Mwanza , songwe , Dedza , mchinji , Jenda just to mention a few .
Kamange an open food center . Grass thatched is usually preferred as it controls temperature. Music ensure u play both Malawi and those from neighboring countries . No one is there at this level yet u will be the best

Food center business in boarders never make losses .It's impossible for you not to have customers.

Strategy
Allow both currencies Malawian and the neighbor country .
Ensure the place is just a long the road within boarder environment not far . A walkable space . Must be the first place visible second from boarder offices .
Add decoration lights for visibility at night
Run it 24/7 Don't close
Mount a very Big Televiaion and ensure sports channels are live
Brand it in both national colours not Malawi only

Competition
Just some small entrepreneurs selling chips and low class restaurants that usually have hygiene issues so the chances are very high u will be noticed from a distance and enjoy the monopoly as well .

Set up.
Ensure u have a different games like pool , draft , chess , table tennis , non exhaustive games . Customers will prefer passing some time awaiting meals and their departure .

Technology
One should be able to order food online .
Add all payment options .
Allow electronic feedback from customers on ur website

Other services

Sell everything. Wifi a must . Even draft add a charge , pool add a charge , Washing rooms. Travellers have money they won't complain.
Have some mattress at an open place with good garden where one would just relax and spread off awaiting their departure

Cash flow.
This one should be able to ensure u break even within a year

You will never go wrong . Try this

FOM INVESTMENTS, is the business group of Malawians entrepreneurs who believe in team work. Do you have what it takes to...
25/02/2024

FOM INVESTMENTS, is the business group of Malawians entrepreneurs who believe in team work. Do you have what it takes to be part of the team?

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