Suero Podcasts

We had Tshepo Ntshole - Hall as our guest today to share her life and professional story. Tshepo is quite a house hold name for many in Botswana because of her career in radio. She shared her story on how she started as a creative and radio personality which includes her journey in TV production and event management such as the Miss Botswana 2005. Her creative and eventing work merged when she worked with the now retired O Mag in SA, bringing the first ever O Mag Tea parties to be hosted out of SA. We touched on how she grew up - and how she was raised. Touched on her as mother and wife. Her spiritual journey- and how with age, perspective and view of the world changes. We touched on how if your life is aligned with God, if you pay attention, each stage in your life transitions to who you need to be in that season. Sometimes even losing friends and gaining new ones. Tshepo has since left radio in 2016 - we tapped into her journey post radio. Her story in Business, the ups and downs of it. How alignment in values in super imperative in Business. The importance of trusting and believing in yourself. Her crash and burn story - trusting too much in Business. What a story - of a creative in Business that persevered through it all. I hope you enjoy and learn from this conversation as much as we did here at `Suero TV. Happy watching.

Today on Suero TV I am reviewing a book I read In January 2024. The name of the book is The Legend of the Monk and the Merchant by Terry Felber A book based on twelve keys to successful living- a book that addresses money and ministry in the market place. It's a story about a monk and the merchant set in Rome during the Renaissance. The story line is a grandson having his grandfather teach him how to lead a fulfilling successful life. The grandfather is a monk turned successful merchant ( Business man) in Italy. The Grandfather was into manufacturing Trading beats which were a hit during during the sixteenth century in Italy. In fact this made him very successful but always kept the basics of life to have all rounded success. He shared business basics that aligned with purpose- touched on value of having a Mentor and Hard Work, Basic money management skills such as budgeting and living below your means. The book also touched soul prosperity , how trials develop character and taking responsibility of problems that are a result of your own bad decisions. The book also touched of how lending money destroys relationships -I have discussed each principle in detail and what it meant. Sharing this wonderful read that gave good perspective to start the year. I hope you enjoy the review.

On this episode Bupelo and I discussed financial planning for 2024. Bupelo is our resident guest on everything personal finance. She is a certified financial planner and co running her own consulting firm Lima Consulting. We reflected on the year 2023 - the interest rates being reduced by 25bps to 2.40% Bank of Botswana.- What this means for you and your spending power. Inflation reduced to 3.1 in October 2023 from 3.2 in Sept 2023 within the Central Bank's preferred range of 3%-6%. VAT being increased back to 14% from 12% and why the govt needs to be doing this. We touched on why prices of goods and services still seem to be high besides the inflation going down. We touched on household budget, the need emergency funds, debt management, diversifying your income, life insurance and managing funeral covers. How to manage in these uncomfortable economic times and just get your things in order. Lastly we also touched on combining incomes as a couple and why it is so imperative for a healthy marriage. I hope this episode is helpful for you in planning and organising your finances in 2024. Link to the fill episode here https://youtu.be/SBshKlnEa6Q Happy watching- grab that cup of tea/coffee and enjoy the episode. For more enquiries - email lorato@suerococonsulting.com Follow us on Instagram https://www.instagram.com/sueroconsulting Follow us on Facebook https://www.facebook.com/sueroconsulting   Follow us on LinkedIn https://www.linkedin.com/in/lorato-erica-akpata-5444657/

We had Thato Kubu on Suero Tv today.   A little of background of who Thato is.   Thato is an insurance and banking specialist, transformational leader, innovator, market disruptor.   He started his professional journey at FNBB as a graduate trainee, he was then promoted to a Business Development Officer and then Manager Sales - Electronic Banking Division.   He then moved Metropolitan to become the Head of Operations for 7 years and then moved to BOMAID to become Chief Operations Officer for 3 and half years.   Thato is now at Key Wealth as General Manager - Training and Wellness.   Thato is also a family man with a wife and two kids- believes in a good balance in family time, hard work pursuing your passions and hobbies. He has a passion for running and golf.   With all his accolades, excellent and successful professional journey, if you know Thato you would know how passionate he is about Financial Literacy.  He preaches and lives it.   We brought him in to speak more about it in the most practical way.   General financial planning was the topic of the day. Here is what we touched on.   We touched on marriage and finances-how to plan together and align.   You lost your job – how can one manage this with all the financial responsibilities.   Have a child to support outside marriage – how to maneuver this conversation with your partner in terms of finances.   Emergency savings of 2 years vs six months – he touched on how important this is.   You are in debt – we spoke about this.   General financial planning was the topic of the day.   Happy watching.   Link to the full video here https://youtu.be/3fxugdtkhjk   If you need help with your financial planning- training for your team or individual  feel free to get in touch with us. Email Lorato@sueroconsultig.com    

This episode is an update of what’s been happening and what are the future plans. I also touched on how to navigate these economic realities with the rise in cost of living.

Today on Suero Podcasts we had Lorato Boakgomo-Ntakhwana Presently, Lorato Edith Boakgomo-Ntakhwana is Managing Director of Gravitas Investment t/a Sally Dairy and an Independent Non-Executive Chairman at Botswana Telecommunications Corp. She also serves as Chairperson of LEA and a non Executive of Metropolitan. In her past career she held the position of Chief Executive Officer & Executive Director at First National Bank of Botswana Ltd. and Deputy Chief Executive Officer at FNB International. She received an MBA from Loyola University Maryland, Inc. and an undergraduate degree from the University of Botswana. Lorato and I were having a conversation about leadership. I was a picking her brain on her leadership skills and how she does it. We discussed the important values she demonstrates as a leader and her greatest strengths. We also discussed failure as a leader how can one handle it. We also touched on the challenges that many leaders are facing in leading in a pandemic. Leading the latest generation as our future leaders is another challenge that Lorato and I touched on and the best way to handle. How she gets a team to buy into an organization’s vision is what Lorato also shared. We had a fulfilling conversation, be prepared to be inspired. Don’t forget subscribe to Suero TV on YouTube so you don’t miss these conversations.

Retirement Planning – Why should you have a Pension Plan? Today on Suero Podcasts we had Bupelo Moalosi, a certified financial planner and MD of of Lima Consulting. Bupelo and I discussed the importance of planning well for your retirement, Pension being the main conversation. We basically touched on the importance of having a pension plan as soon as you start working whether your employer has it as a benefit or not. It’s imperative to understand your retirement and pension plan are your responsibility not your employer’s. Is it a good idea to dip into your pension before it fully matures? We touched on this. Is it ever too late to have a pension plan? No, it’s not. Even if you are 45, you can still have one, we talked about this at depth. Retirement anxiety is a common one especially when approaching retirement age. What is it and how can we avoid or deal with it? This is a conversation for all working and almost retiring class as well as the retired. We have these conversations at Suero TV to help you make your financial planning easier. Don’t forget to subscribe to Suero TV on YouTube to watch more of these conversations. Happy Listening.

How to save, invest and earn more for a better 2022 Podcast and Video out. I spoke about debt and how clear it using the snowballing method. Touched on saving & investing by shopping around for best interest rates and how to get a pension plan if you don’t have it already. Engaging your employer or create a side hustle to increase your income is what I also touched on.

What are the steps in buying Property? Today on Suero TV we had Sethebe Manake, she is the founder and CEO of Vantage Properties, the visionary and driver of an automated property valuation and information online platform Gosmartvalue. Sethebe passionate about helping people build wealth in real estate, which is why she built a company focused on providing the necessary relevant information for investment in the country, and ultimately a technology platform that makes property valuations and information on real estate accessible for the ordinary Motswana. Sethebe and I spoke about the process of buying property-  the steps to follow. We touched on the best way to negotiate when buying and what causes property prices to be high. We spoke on the best property to buy when starting out. We spoke about the pressure of buying vs renting. Super informative conversation, I hope you enjoyed it as much as I did. Happy listening.

An Incase I Die File is a file to help you organize and keep all of your most important financial files and documents in one place. Why is this file? It is super important to have it because it will make your family’s life easier to know where everything is incase you die suddenly. It’s also gives you peace of mind. Creating your in case of death file is a serious process. So you want to start by planning first. Being as organized as possible during the process — especially at the beginning — can help, as it will likely take a few weeks to gather. In this video I spoke about the basic documents to have in this file, such as Life Insurance and Funeral Cover Policies. Is the Life cover is enough for your dependents? Are the payments up to date? I touched on this. Happy Listening 

On this episode on Suero TV we had Wabo Moswate, Head of Secured Lending at Stanbic Bank. Wabo and I had a conversation about savings, the importance of it and how to plan for it. We touched on our savings culture as a nation in Botswana and ways on how Stanbic Bank is cultivating this to be a good culture to have. If you are wondering how you are going to save with a tight budget, Wabo shared with us a Savings Plan that one can use to ensure that savings are prioritized monthly and how to create that extra cash to save. Our conversation also touched on strategies to not only have savings plan, but how to maintain it using the different Stanbic Savings accounts. I think you will enjoy this refreshing conversation because of the solutions we have for you brought to you by Stanbic Bank Botswana Happy Listening. 

On this episode I had Ngodya Chimbwete Private Equity Transactor at Africa Lighthouse Capital. We spoke about investing at depth as a continuation of our investing theme that we started last week. He shared his journey on investing starting off as a young professional, to being a married man with a child. The dynamics of investing change as we grow and as our lives change, we spoke about this and how to align accordingly. We talked investing in the Stock Exchange and a niy about Unit Trusts and investing for your kids. Private Equity is also a topic spoke on. This is a loaded one, I think you will enjoy it. I hope this episode helps you in your investing journey. Happy watching.

Marriage and Money. Lame and I spoke about our views and experience on Marriage and Money. We are both fairly still fresh in this journey about six years into it, but still have a lot to share. We touched on the importance of pre marital counselling that includes personal finance for marriage. The importance of having marriage mentors who have been in this for while was discussed in this video. Knowing that your partner has different money blue print from yours is an important factor to know and learn how to work together before you get married- we touched on this. The wedding budget, how to navigate that- we spoke about this. Happy Listening. 

What is your Money Blue Print ? On this episode I hosted Lame-Pheko Molomo again and we discussed The Money Blue Print. This is referencing author of Secrets of the Millionaire Mind, T Harv Eker’s theory on why we view and use money the way we do. He called it our money blue print. (Please read this book, it is life changing :-) ). Basically, the way we use money is caused by our money print. In this video we explained what this means and how you can work on it. We also shared our individual journeys with money and how our blue prints has affected the way we view and spend it. I really hope you find this helpful to work on your personal finances. Grab a cup of coffee and enjoy this thought provoking conversation.

Today I had Lame Molomo- Head of Client Services at Imara Capital Securities breaking it down for us. We touched on how best to diversify your portfolio when you had invested already and had been receiving your dividends. Lame and I discussed the costs involved that we would normally not know about when investing in the stock market. We also touched on how you can start investing as a first timer, I found this on quite Happy Listening

In this episode I interviewed Kaone Kebonang- Research Analyst from Imara Capital Securities to explain to us what this reduction means for our pockets and businesses. We touched on what BOB’s economic strategy is and what our role is a citizens in the greater scheme of things. Inflation and how it will be affected by this interest rate reduction was also part of the discussion.

Can businesses save for Rainy Days or Invest to Grow the value of their business? Today I brought Thato Kgasa from Bifm back, to speak on how businesses can save for a rainy day or even invest to grow the value of their businesses. The one thing I always talk to my SME clients on is having at least a 6-12 months emergency fund savings for rainy days to cover fixed costs such as salaries and rent on days when payments from clients are delayed or there is no cash inflow for whatever reason. One thing about running a business is that rainy days occur more often than not. Now that COVID19 hit, most businesses were hit had because there were no emergency fund savings for rainy days. We spoke on the how you can save and how much to put aside. Emergency Fund Savings is not only for Personal Finances but for Business Finances too. We also spoke on how a business can invest a part of their revenue for different reasons, such as raising a deposit for business growth. Thato and I spoke on the different products that Bifm to offer for the businesses that need to be making those emergency funds savings or invest for any other reason. I hope you find this conversation valuable to help you plan better for your business. Happy Listening. Link here https://youtu.be/dCKtK9ZgM8o. More of our videos are on Suero TV YouTube Chanel, feel free to hop there and subscribe. Have a good one.

Today we had Refilwe Lesolle, Senior Sales Consultant from Motswedi Securities. Motswedi Securities is a broker that helps people invest into the stock market. Our conversation was about as a Stock Broker, how do they help you invest into the Botswana Stock Exchange?  She shared the process of it, the risks and benefits as well as roughly how much one needs to invest. We also discussed the costs involved to invest in the stock market. Who can invest in the stock market? She answered this question. Happy Watching and Listening, I hope this content is helpful to you. The purpose of these recordings is to educate you as much as possible on how you can grow your money.

How the Stock Market Works with Thapelo Moribame Today we interviewed Thapelo Moribame, Head of Market Development at the Botswana Stock Exchange. We had a conversation about what the Stock Market is, The Botswana Stock Exchange and how it works. Thapelo explained how a company lists and how can invest on listed companies. We also discussed the benefits and risks involved. This conversation was to enlighten you on how to invest in Stocks and Bonds and as well encourage you to invest. Companies that were affected by the COVID19 Economic challenges, this would a good one for you as well.

Discussion around how we creatives can make income when business is quiet.