Umoja continues the talk on personal finance from the previous episode. Joined by guest and friend Caroline who is a charted accountant as well as Osvaldo , a banking professional and entrepreneur . The conversation goes into topics of income streams out there and the different investment approaches people have as well as the various banks available to get into the habit of saving which will later be discussed in part two of episode 4.Intro and outro supplied by long time friend Colin aka the Local Ghost Check out The Local Ghost on #SoundCloudhttps://soundcloud.com/the-local-ghostOther links includeWebsite - https://www.umojabingwa.co.za/Facebook - https://www.facebook.com/umojabingwa/Instagram - https://www.instagram.com/umojabingwa/Twitter - https://twitter.com/umojabingwaSpreaker https://www.spreaker.com/show/umoja-t...YouTube - https://www.youtube.com/channel/UCeip...

Umoja introduces the concept of personal finance and its importance in the conversation of being able to champion that aspect of our lives. Joined by guest and friend Caroline who is a charted accountant. Caroline shares her experiences with personal finance as a daughter , student and career driven woman. The conversation touches on the many themes of personal finance within developing nations which will be later discussed in more episodes to come.New intro and outro supplied by long time friend Colin aka the Local Ghost Check out The Local Ghost on #SoundCloudhttps://soundcloud.com/the-local-ghostOther links includeWebsite - https://www.umojabingwa.co.za/Facebook - https://www.facebook.com/umojabingwa/Instagram - https://www.instagram.com/umojabingwa/Twitter - https://twitter.com/umojabingwaSpreaker https://www.spreaker.com/show/umoja-t...YouTube - https://www.youtube.com/channel/UCeip...

Live at Waterfall Toastmasters Breakfast Club.Completing a level 4 project at Reddam house while engaging the audience.All the way up to the self actualizing peak of Maslows hierarchy of needs. Intro and outro supplied by the Local Ghost Check out The Local Ghost on #SoundCloudhttps://soundcloud.com/the-local-ghostAlpha Jay link Listen to 02 Victim of the City by Alpha Jay on #SoundCloudhttps://soundcloud.com/j-j-mtuse/02-victim-of-the-cityWebsite - https://www.umojabingwa.co.za/Facebook - https://www.facebook.com/umojabingwa/Instagram - https://www.instagram.com/umojabingwa/Twitter - https://twitter.com/umojabingwaSpreaker https://www.spreaker.com/show/umoja-talksYouTube - https://www.youtube.com/channel/UCeipHwm_WnF1Y78RXj49pZQ

We are discussing Africanism referencing the linked article African of the yearhttps://www.umojabingwa.co.za/african-of-the-year/Joined with Josephine Katumba [email protected] songProduced by Fela KutiTitle - Lady Album - ShakaraRelease date - Lagos Nigeria 1972Label: EMIProduced By Fela KutiTitle - Beast of no Nation LP - Beast of no NationRelease Date 1989