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Some topics are too important to ignore, and money is one of them. Yet in many homes, it is often left unspoken, even though it fuels misunderstandings in families, friendships, and romantic relationships.

Simply put, money is a sensitive subject. However, it is one we must discuss.

Today, we’re looking at it through Morgan Housel’s perspective in his book The Psychology of Money. Housel centres his book on how human beings behave with money, shaped by the lives they’ve lived and the beliefs they carry.

In the opening chapter, No One is Crazy, he explains that people often make unusual choices with money, but that doesn’t make them irrational. What feels reckless to one person might feel perfectly reasonable to another.

Our lived experiences shape the way we see money. As Housel puts it, “The person who grew up in poverty thinks about risks and rewards in ways that the child of a wealthy banker cannot fathom if he tried.

” It reminded me that when I don’t understand someone’s financial choices, it may be less about logic and more about the story behind their life. Do you believe in luck? Or are you among those who think success comes only from hard work? I believe in luck.

Much because of luck, or grace, if you will. Money is no different.

Luck plays a significant role. Housel puts it beautifully: luck and risk are siblings.

Every outcome in life is guided by forces beyond our effort alone. When it comes to money, you need both the grace of luck and the courage to take risks.

Housel illustrates this through the story of Bill Gates. As a teenager, Gates attended one of the few high schools with a computer lab.

There, he met his friend and future cofounder, Paul Allen. Luck opened that door, but so did their willingness to dream big and take risks.

From that combination, Microsoft was born. Gates himself admits, “If there had been no Lakeside, there would be no Microsoft.

” One of the lessons that stood out for me is around the idea of “never enough”. Housel shows how dangerous it can be to keep chasing more without ever defining what enough looks like.

There will always be someone richer, smarter, or more successful, and if we measure our happiness against that, we will always feel lacking. For me, it comes down to contentment.

To be happy, you have to learn to appreciate what you already have. The next big thing, whether it’s a promotion, a new car, or even more money, won’t necessarily make you happier if you haven’t found peace with what’s in front of you.

Having enough means refraining from comparing yourself with others. “The point is that the ceiling of social comparison is so high that virtually no one will ever hit it.

Which means it’s a battle that can never be won, or the only way to win is to accept that you might have enough, even if it’s less than those around you.” Housel argues that the highest form of wealth is not more money but the ability to control your time.

To wake up and decide how you will spend your day, that is real richness. When I think about it, the moments I treasure most are not tied to how much I had in my account but to how free I felt with my time.

Choosing to spend a slow morning with a book, or taking a walk just because I wanted to. Housel reminds us that saving is not just about buying something in the future; it is about preparing for the uncertainty of tomorrow.

Life can change unexpectedly, and having savings gives you the freedom to face those changes without losing control of your time. For example, much of Warren Buffett’s wealth came not only from smart investments but also from the fact that he started early.

By saving and investing at a young age, time worked in his favour, allowing compounding to do its magic. “His skill is investing, but his secret is time.

And that’s how compounding works,” he writes. The Psychology of Money is a book about how to earn and keep money.

It explores behaviour and mindset around money. As you reach the last page, you will see the need to pay attention to your progress, because progress happens too slowly to notice, but setbacks happen too quickly to ignore.

As you plan for your future, remember that planning is important, but the most crucial part of every plan is preparing for it not going according to plan. This book is for anyone seeking to expand their knowledge of personal finance management.

Jane Shussa is a digital communication specialist with a love for books, coffee, nature, and travel. She can be reached at [email protected].

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In education as a whole, strategy plays an unimaginably significant role. This entails strategy not only in teaching but also in the entire process of adjudging the needs, discerning educational topics and materials, in the delivery process, and in the receiving process on the side of learners.

The educational cycle feeds itself and builds on the work done in the preceding cycle. The educational needs are the societal problems, the gaps needing solution; yet to attain these, a certain amount of groundwork is needed as a foundation; hence, we have curricula to guide the whole formal process.

The delivery of knowledge to learners is not the final stage of the process, nor are the grades the learners get. After learning, there is assessment, constructive feedback, reflection, application (in context), and adaptation of the content and the preparation process.

Educationists call this the teaching and learning cycle. Despising an appropriate strategy in any of these sections irreparably affects the productivity of the whole chain, regardless of the quality of work or output in the unaffected sections of the chain.

As such, we can say that education is, by its very form, content, and function, ‘a chain reaction’, contingent on the indispensable interdependence of all players in the process. For most learners, being educated at school is about memorising.

Why? Because that is how the system orients them to see education. Most learners view schooling as a reward system and themselves as heroes, depending on how high up the reward ladder they are ranked.

One is not considered smart, creative, or intelligent unless the grading system says so! All creativity and innovativeness have to be shrunk to fit into the demands of the spoon-feeding system, which, unfortunately, kills many dreams and talents. The question is whether learners are taught how to learn.

We cannot just presume that people, especially young people, know how to learn academically. Learning goes beyond reading and understanding books.

Learning is a process of integration, like putting together puzzle pieces until the whole picture makes sense. True learning sparks curiosity and stimulates the desire to keep exploring.

This is only possible if learners are helped to first discover their areas of interest, not just their areas of performance. A child may perform better in a subject they have no interest in simply because they like the teacher, but that interest evaporates when the teacher is changed.

The most outstanding ground for one’s interest is what they naturally feel curious about. There is no harm in exposing them to many options before making them express freely what they like to engage in, mostly in academics.

A learning process that does not involve the learner’s consent and feelings has a higher chance of achieving little or nothing by either producing uninterested experts who only do their jobs to earn a living, as what they do was never their passion. Teaching children how to learn helps them identify their interests and preferred learning styles, enabling them to become the best versions of themselves.

If the goal of education is to make people the best versions of themselves, then these considerations are of paramount importance. It is equally important to consider that times have changed, even if much of what is taught remains the same.

Worth considering is the fact that globally, the education system is handling young people who have a very different exposure, given the facility of technology, demographics, labour market demands and dynamics, and the fast-paced globalisation, among others. These factors affect the way they view education and its entire process, and even the questions they ask are different compared to questions asked by learners of the same levels 30 years ago.

The sooner we come to terms with this fact and are considerate of their worldview, the better chance we have of making education functionally relevant to them. The education system should be a means of transformation, not just a pipeline where people pass through with changed credentials yet remain untransformed.

In Tanzania, where 77 per cent of the population (about 47.5 million people) is under 35, education is the best legacy we can give them and the next generations, especially considering that the majority of the nationals are marginally represented in the national policy-making roundtables. This group is by far a ‘surviving’ group, with most of them not having life figured out due to unemployment and other systemic shortcomings beyond their control.

It is a testimony to poor planning, given that statistics obtained every year could have been used for comprehensive predictions and plans in anticipation of the problems we have now. If this had been done, we would be much further than we are, as we have a surplus of workforce in the young people of this nation.

To improve the quality of our education, we need well-articulated strategies which prioritise the role of learners, not just instructors. Shimbo Pastory is an advocate for positive social transformation and a student of the Loyola School of Theology, Ateneo de Manila University, Philippines.

Website: “underlinewww.shimbopastory.

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Dar es Salaam. Tanzania’s U-20 women’s national team, the Tanzanite Queens, continued their impressive run in the FIFA U-20 Women’s World Cup qualifiers with a 2-0 away victory over Angola last Saturday.

The result secured them a spot in the third round with a commanding 6-0 aggregate score. Although the win underlined their dominance, head coach Bakari Shime and his technical bench admitted that the encounter was a learning experience, revealing weaknesses that must be addressed if the team is to remain competitive in the tournament.

“It was a good match for us and one that gives us a clearer picture of how to prepare for the next challenge,” said Shime. “We made several mistakes across all departments–defense, midfield and attack.

We have a lot of work to do, but I believe that with better preparation time ahead of the next game, we will perform even better.” Shime stressed the importance of self-assessment and internal improvement rather than focusing solely on future opponents.

“Our biggest task is to examine ourselves and identify the specific shortcomings that need fixing. Once we strengthen our own game, it will not matter who we face.

At our best, we can handle any team that comes our way.” The Tanzanite Queens will now prepare to meet the winner between Kenya and Ethiopia, who faced off yesterday evening in Nairobi.

That match will determine Tanzania’s third-round opponent in what is expected to be a more demanding test. Shime added that his side’s success should not mask the need for consistent growth.

He said that continuous development will be crucial not only for the current qualifiers but also for the broader ambition of building a strong women’s football foundation in Tanzania. The FIFA U-20 Women’s World Cup will be staged in Poland from September 6 to 27 next year, bringing together 24 of the world’s best teams.

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Dodoma. The government has announced new amendments to the Mining (Local Content) Regulations aimed at strengthening the participation of indigenous Tanzanian companies and financial institutions in the country’s mining sector.

Published under Government Notice No. 563 of September 12, 2025, the amendments introduce stricter requirements for foreign companies, new compliance timelines, and additional sub-plans for local content reporting.

One of the most significant changes is the requirement for non-indigenous companies seeking to supply goods or services to mining contractors, subcontractors, licensees, or the State Mining Corporation to form joint ventures with local firms. These joint ventures must include an indigenous Tanzanian company that is 100 percent citizen-owned and operating in the same line of business.

According to the notice the local partner is required to hold at least 20 percent equity, unless the goods and services fall under an exemption which is set to be published separately. The regulations also introduce a new provision requiring the Mining Commission to publish, in the Gazette and other platforms, a list of goods and services that must be supplied exclusively by Tanzanian-owned firms.

Further, the amendments expand the scope of local content plans. Companies must now include both a banking services sub-plan and a procurement sub-plan in their submissions.

In addition, if the Mining Commission fails to respond to a revised local content plan within 50 working days, the plan will be deemed automatically approved. The updated framework also redefines thresholds for sole-sourced contracts.

Any mining-related contract valued at more than the equivalent of $10,000 will now require stricter scrutiny and compliance with local content rules. Other technical adjustments include revisions to prequalification requirements for bidders, clarification of reporting obligations, and the inclusion of the Director of the Mineral Audit and Trading Department in the oversight framework.

The notice which was signed by Minister for Minerals, Mr Anthony Mavunde aims at reforms that are intended to deepen local participation, build capacity among Tanzanian companies, and ensure the country benefits more equitably from its mineral wealth. The move comes as Tanzania continues to tighten its mining sector governance, balancing efforts to attract foreign investment with a push to maximize local benefits from the country’s vast mineral resources.

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Dar es Salaam. Tanzania Mainland champions Young Africans (Yanga) continued their strong start to the season with a 2-0 home victory over Angola’s Wiliete Benguela, securing progression to the next round of the CAF Champions League with a commanding 5-0 aggregate score.

Yanga head coach Romain Folz praised the consistency and reliability of his core squad, noting that their performance across competitions has been crucial to the team’s success. “We have a strong and reliable squad.

These players have delivered results match after match, and their consistency gives us a solid foundation to compete at the highest level,” said Folz. He also addressed the challenge of balancing squad rotation with maintaining performance.

“We rotate where necessary, but keeping a rhythm is important. Our core players have proven their quality, and the rest are developing alongside them,” he added.

In the second-leg clash at Benjamin Mkapa Stadium, Pacome Zouzoua once again stole the spotlight, opening the scoring with a brilliant display of skill. Aziz Andabwile added the second goal, cementing Yanga’s dominance over the Angolan side.

Folz singled out Pacome for his tactical intelligence and ability to unsettle defenders. “Players like him give us a real advantage, both domestically and in continental competitions,” he said.

This season, across four competitive matches–including the Community Shield win over Simba (1-0), the CAF Champions League first-leg victory in Angola (3-0), the Mainland Tanzania Premier League opener against Pamba Jiji (3-0), and the recent second-leg win over Wiliete (2-0)–Folz has relied heavily on a core group of players. Overall, Yanga’s scoring form have been impressive.

The team opened their campaign with a 1-0 victory over Bandari FC of Kenya during Mwananchi Day, followed by the Community Shield triumph over Simba. They went on to defeat Pamba Jiji 3-0 in the Mainland Tanzania Premier League and later eliminated Wiliete Benguela with a 5-0 goal aggregate.

Folz’s focus remains on leveraging squad consistency and tactical intelligence to maintain momentum across both domestic and continental competitions. “Every match teaches us something.

Our discipline, depth, and the quality of our players are what will help Yanga continue to grow,” he said. .

Kibaha. Out of 30 participants, 10 coaches have successfully passed an internationally recognised Taekwondo coaching course.

The course, held at the Olympafrica Centre in Kibaha, Coast Region, was conducted by Jun Cheol Yoon from the World Taekwondo Federation. Dr Yoon, who also serves as the Chairman of World Taekwondo referees, said he was impressed by the steady improvement in technical skills and tactics among the coaches during the training.

“Passing or failing depends on performance, but I must commend all the coaches for their effort. Each one of them fought hard from day one, even after I warned them about the toughness of the training.

Right now, every graduate is in pain, but it is productive pain. You are not leaving here the same as you came–your technical and tactical levels have improved,” said Dr Yoon.

He added that in the first week he observed that each trainee had unique strengths that could contribute to the development of Taekwondo. Of the participants, 10 coaches managed to pass the entry-level stage of the program, which was organized by the Tanzania Olympic Committee (TOC), sponsored by the International Olympic Committee’s Olympic Solidarity (OS) and coordinated by the Tanzania Taekwondo Federation (TTF).

TTF President Ramoudh Ally described the achievement as a major boost for the sport’s growth in the country. “If these 10 qualified coaches each establish a Taekwondo club in their areas and recruit 30 players, we will gain 300 new athletes.

That’s a promising start for the development of our sport,” said Ally. He encouraged the coaches to reach out to the Federation for support with training equipment if needed.

Ally said that the ultimate goal is to prepare the next generation of Taekwondo athletes capable of qualifying for the 2032 Olympic Games, through short-, medium- and long-term plans. For those who did not meet the passing grade, Ally assured that arrangements would be made for them to access additional international courses through the World Taekwondo Federation.

“We will issue an update soon, as the goal is to increase the number of certified coaches. Those who passed will be issued national coaching licenses while awaiting approval of licenses from the World Taekwondo Federation,” he said.

Closing the program, TOC Vice Chairman Henry Tandau urged the graduates to apply their knowledge for the betterment of the sport. “We must ask ourselves, where will Taekwondo be 10 years from now? If you have a vision and work towards it, such as preparing for the 2032 Olympics, you can achieve it,” he said.

Tandau, however, cautioned that the success of only 10 coaches is not enough. He urged them to pursue higher levels of qualification.

“You must be ambitious. Whenever I attend major tournaments, I don’t see many Tanzanian coaches or referees.

We must organize ourselves. Without proper planning, you cannot progress,” he stressed.

One of the graduates, Janeth Oscar from Dar es Salaam, expressed appreciation for the training program, which was delivered by Grandmaster Yoon alongside Master David Samson. “The program was transformative.

We will put the skills we have gained into practice, although Taekwondo still faces challenges such as a shortage of equipment and lack of modern training halls,” she said. During the course, Dr.

Yoon highlighted Rashid Yahaya Rashid as a coach who displayed exceptional performance. .

Arusha. The government has reiterated its call for citizens to acquire formal land titles as a means of safeguarding their rights and minimizing ownership disputes.

Speaking yesterday while handing over land title deeds to members of the Police Force through the Usalama wa Raia Savings and Credit Cooperative Society (Ura Saccos), Mr Frank Mlinzikutwe, the Assistant Land Commissioner for the Arusha Region, stated that proper documentation provides legal protection for landowners in the event of conflicts. “When you possess a title deed and a dispute arises, you have a document that proves ownership, rather than just claiming the land as yours.

A title also enables you to access loans and undertake development projects,” he explained. Mr Mlinzikutwe added that title deeds create opportunities for citizens, including access to financing from financial institutions, while reducing common disputes that arise from inadequate documentation.

He encouraged the public to purchase land in planned and surveyed areas to ensure that they can be issued title deeds, which promote legal security and orderly development. “We do not want police officers to abandon their core duty of protecting the country to spend time resolving land ownership paperwork.

With proper titles, they can focus on their work and avoid being defrauded on the streets,” Mr Mlinzikutwe said. He revealed that the Ministry of Lands, Housing, and Human Settlements Development has digitized the title application process, allowing citizens to apply online and, once all documents are in order, receive their title deed on the same day.

Corporal Chiunda David, the regional manager for Ura Saccos in Arusha, mentioned that the cooperative, which has over 47,000 members nationwide, signed an agreement in April with Tanzanite Crater City to assist members in purchasing surveyed plots at discounted prices. “More than 30 members have already acquired plots, and we are pleased to hand over the first batch of title deeds today,” he said.

Mr Chiunda explained that since its establishment in 2006, Ura Saccos has focused on improving the economic well-being of police officers and their families, enabling them to own properly surveyed and titled plots. Senior Superintendent of Police Alphonce Bandya, representing the Arusha Regional Police Commander and other members, expressed gratitude for the initiative.

“I am pleased to receive these title deeds on behalf of my fellow officers. In the past, it was difficult for many police officers to own property like this.

We are happy to have the opportunity to secure land and build homes,” he said. He added that members are looking forward to benefiting from future projects and pledged to encourage others to participate once more details become available.

Mr Deogratias Michael, Director of Tanzanite Crater City, noted that the project, located in Oljoro Ward of the Arusha District Council, covers more than 1,000 acres and includes plots for residential, mixed-use, commercial, and social services such as schools. He emphasized that the prices were established at affordable rates in consultation with the local authorities.

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