Property international issue 012 nov dec online by Property International Magazine

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OCT-NOV, 2015 | ISSUE No. 12 ISSN - 1821 - 987X

PIL partners with Karat18 to build a business incubator

AVAILABLE www.propertyinternationalltd.com

Properties | Investments | Lifestyle | Business | News

PSPF TOWERS

Tallest completed structure in East and Central Africa Officially launched by His Excellency, Dr. Jakaya Mrisho Kiwete, former President of the United Republic of Tanzania

My Home

My City

My Country

Read more on page 22

My Country

New Plots for

Palms Sale

Kigamboni

Q&A: Eng. Ngwisa Mpembe

TIPS : Sustainable Home Building

20 24

Green Economy President at Tanzania Green Building Council

and Renovating

WATUMISHI HOUSING

Secures acclamation as provider of most affordable homes in Tanzania

Home Insurance: Many Tanzanians

are not in the habit of securing themselves,

The expensive cost of cheap building materials

Save Energy and Money

While making your home more Comfortable

Published & Distributed by Property International Limited, P. O. Box 45548, 8th Floor Mariam Tower, Songea Road, Shaurimoyo Road, Dar es Salaam, Tanzania www.propertyinternationalltd.com Copyright © 2015. All rights reserved

PIM. Issue no.12, Oct-Nov 2015

My Home

Welcome note Dear Readers

reetings from Property International Magazine. This is our 12th issue and in a way marking one year since the birth of this Magazine. First and foremost we would like to thank Ms. Zohra Moore who has been a key anchor in the Property International magazine. For better Prospects, Ms. Moore has moved onto other ventures and her initial foot print remains eternally embedded in the conceptualization of the Property International Magazine. This year, the country (Tanzania) saw the unveiling of the “Tallest completed structure in the East and Central Africa” – the PSPF Towers officially launched by His Excellency, Dr. Jakaya Mrisho Kikwete, former President of the United Republic of Tanzania. Also featured in our magazine is a first of its own kind, the Property International initiative -”Tanzania Business Incubator & Center Forum”. The forum was officially opened by former Vice President of the United Republic of Tanzania, His Excellency Dr. Mohamed Gharib Bilal. We remain very grateful to our stakeholders such as Karat-18 of Portugal, the Ministry of Science, Communication and Technology and the Commission for Science and Technology (COSTECH) and many other institutions that was able to part of the dialogue on business incubation in Tanzania. To our esteemed partners – Amana Bank, Tanzania Postal Bank, PSPF, Bayport among others we would like say a BIG THANK YOU for your faith in us and the joint business model on land financing. To our beloved readers once more: Yes, it is now official the Tallest completed structure in East & Central Africa – the PSPF Tower, is in the land and specifically in the “City of Heaven” - Dar es Salaam. This is how we describe this 12th issue. Team Property International Magazine

Team ADVERTISING info@propertyinternationalltd.com DESIGN & LAYOUT Joseph Steven Archie +255 717 733 303 SALES TEAM George Colyvas +255 755 323 909 Hayat Abdul Aziz +255 688 888 898 Maria Mwaluko +255 784 099 007 Latifa G. Cynthia +255 717 143 753 DISTRIBUTION Kudula Ramadhani +255 712 162 437 EDITORIAL Property International Magazine PUBLISHED & DISTRIBUTED BY

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PIM. Issue no.12, Oct-Nov 2015

My Home

PIL partners with Karat18 to build a business incubator “We encourage this initiative and we look to support it through the private public partnership to share best practices,” former Vice President of the United Republic of Tanzania, His Excellency Dr. Mohamed Gharib Bilal said at the launch earlier in October. “The trend of urbanisation is already sending jittery signals to the planners and economists and this brings the need to de invest our cities,” he said.

Former Vice President of the United Republic of Tanzania, His Excellency Dr. Mohamed Gharib Bilal

Property International Ltd (PIL) has partnered with Karat18 to build a business incubator park on the outskirts of Dar es salaam. The initiative is supported by the government as a catalyst to help speed up economic development of the city by nurturing business ideas to implementation point and creating employment opportunities especially for the youth. Setting up of a Business Incubator will also help the youth to be self - employed and to decongest the city center by availing basic services at the incubator that is to be built on the city peripherals. Karat18, an international services company Head-quartered in Portugal and with over 20 years experience in creating and managing business incubators is the firm overseeing the proposed project.

Speaking at the same event, Property International Ltd (PIL) CEO Abdul Haleem Zahran expressed commitment to the partnership to realize the proposed business incubation center. “PIL is committed to developing the real estate industry in the country through new products and partnership that bring services closer to the people,” he said. He explained that in the project, PIL would handle land surveying and construction of the proposed business incubator center. He said the structure would serve to decongest the city center by attracting business to the center that is to be constructed on the city peripherals.

Mr. Abdul Haleem Zahran Chief Executive Officer PIL

incubator is a center where business ideas are developed from conception to implementation and actual application. “This is very important to supporting persons with business ideas to be able to actually turn them into businesses and roll them out into the economy,” he said and emphasized that; “...the business incubator would in that way also create opportunity for graduates to be selfemployed, a vital aspect to the country that is facing huge youth unemployment rates.” “The business incubator will also be surrounded by business centers offering various services and products ranging from legal services to basic consumer goods,” he said. “So people will not be forced to travel to city centers to seek these basic business services this will effectively reduce traffic lines and decongest the city centers,” he summed up.

Adding to the explanation, Charles Delbrassine, the Karat18 Founder and its Managing Director said as business incubator, the center will help speed up economic development of the city. He also expounded that a business

Mr. Charles Delbrassine Managing Director, Karat18

PIM. Issue no.12, Oct-Nov 2015

My Home

Mr. John Mngodo Ag. PS, Ministry of Comm., Science & Technology and Welcoming Chief Guest

Business Incubator Forum Audience

Present of this event were George Mulamula the CEO of the Dar es salaam Teknohama Business Incubator (DTBI) and who is also the government senior advisor in ICT and Entrepreneurship and Dr. Hassan Mshinda Director General, COSTECH, both of whom seconded the value of business incubators to boosting economic development and creating jobs. “Maximalipo is a good example, the idea was in incubated, developed and implemented and it now has revolutionalised e-transactions in the country and beyond,” said the DTBi CEO Mulamula.

includes small and large property investors both in commercial and residential sector. Our clients range from private property owners and homeowners to major developers in the private companies, government agencies (Local Government Authorities) and foreign investors, PIL strives to support property owners, developers and buyers in the Tanzanian market through innovative advisory and support services.

“The investment made in incubating Maximalipo was 42bn/- but the business has generated over 100bn/- in just four years,” added Director General of COSTECH Dr. Hassan Mshinda.

As a property facility, PIL brings together prominent professionals from diverse fields of town planning, urban design, surveying, architects, infrastructural engineers and environmental scientists to generate informed analyses and responses to contemporary challenges in land development, urban planning, valuation services and commercial and

residential property asset management. To enhance its capacity and outlook, PIL has established working relationships reputable institutions including Dasan Consultants of S. Korea and Sapphire Engineering (T) Limited among others. As leading Chattered Surveyor firms, PIL provides a wide range of services in connection with land and buildings. PIL boasts of modern town master planning, urban design and surveying equipment thus differentiating the company from the rest of competition. Assignments that traditionally take six months to deliver has been delivered within half period i.e. 3 months with great success. it has recognised that the key to success lies with its work force, and all employees are skilled.

As did Vice President Bilali, both Costech officials welcomed the initiative to construct a business incubator as proposed as key to curbing youth unemployment and boosting innovation as well as decongesting the city center. Property International Ltd (PIL) is a full service town master planning, land and property development and advisory firm based in Dar es Salaam, Tanzania, East Africa. With dedicated and competent work force in the property industry, the company boasts of a large clientele base which

From left Mr. Charles Delbrassine Managing Director - Karat18, Mr. Abdul Haleem Zahran Chief Executive Officer PIL, Mr. Hashim Thabit PIL’s Director, Mr. Masoud Khalfan PIL’s Director, Mr. George Obado PIL’s Chief Operating Officer.

PIM. Issue no.12, Oct-Nov 2015

My Home

Global warming Africa paying the price

By Staff writer

hurricanes on the other desertification and devastating heat waves. To mitigate the effects of global warming, nations came together under the Kyoto Protocol, an international treaty that sets binding obligations on industrialized countries to reduce emissions of greenhouse gases particularly, carbon dioxide. There are 192 parties to the convention but of all these, developed countries like Canada and the United States have refused to join. The United States signed but did not ratify the Protocol and Canada withdrew from it in 2011.

lobal warming that is wrecking havoc across the world was for a long time and still is treated by many nations as a whim of scientists that has little to no practical effects in real life, at least their policies seem to imply this.

greenhouse gases produced by human activities. Green house gases are so called because they trap heat rising temperatures. Worse, these gases also damage the ozone layer which protects Earth from harmful ultra violet rays emitted by the sun and which can among other things cause skin cancers.

One would think that least developed countries that suffer high illiteracy rates and generally low education level even for the educated few would be the ones caught up in this denial of scientific facts, but no, on the contrary it is the most developed countries across the world that are reluctant to listen to the scientists.

Scientists warn that each of the last three decades has been successively warmer at the Earth’s surface than preceding decades.

Generally speaking, global warming is the overall increase of average temperature on Earth caused by emission of green house gases. The Intergovernmental Panel on Climate Change (IPCC) reports that more than 90% of global warming is being caused by increasing concentrations of

They also warn that ocean levels are rising as a result of melting ice caps, in this regard, Mount Kilimanjaro is losing most of its glacial ice as a result of increasing temperatures and experts warn that the summit’s glaciers are likely to be gone within a few decades. All over the world countries are also witnessing unpredictable weather, on one hand early unexpected rains, storms and

These gases are produced mostly through the burning of fossil fuels in other words, by cars and factories mostly. There we find the answer to the dilemma as to why developed countries like the US are reluctant to join the band wagon. As part of the Kyoto Protocol, developed countries agree to reduce their emissions of greenhouse gases which means either reducing factory productivity and cutting down the number of cars or finding alternative energy sources to run factories and cars. In his speech early this week during the Climate Summit plenary at the UN Headquarters in New York President Jakaya Kikwete, who is also the Chairman of the Committee of African Heads of State on Climate Change, conveyed the continent’s position on Climate Change: ‘The world’s top emitters of carbon must take action by committing to curb greenhouse gas emissions, and not leave Africa to confront climate change consequences single handedly but assist Africa to meet adaptation and mitigation.’ It remains to be seen whether his sown word will bear fruit but what is for certain, until that seed starts to germinate, Africa and other developing continents will continue to suffer the consequences of a menace that they had no part in creating.

HAYAT RESIDENCE “The jewel of kigamboni” Hayat Residence a haven of peace, strategically located in Kigamboni, at the heart of explosive development projects. Exquisite plots for sale for both development projects and residential houses. Development scope of multi-million dollars projects (Mosque, Hospital, Education center and Hotel) with an aggressive competition of investors and developers wanting the shopping mall site and H.E sites. Express your interests before we shut this beautiful window of opportunity. All primary services are available on site i.e. Electricity, water and infrastructures.

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PIM. Issue no.12, Oct-Nov 2015

Properties FOR 20,000 SALE Tsh Per SQM

Royal Palm is a project consisting of 99 plots. Mostly Residential, a few Commercial and two Housing Estates. It is situated by the main road to Mwasonga, on the left side exactly facing the Dar es salaam zoo which is on the opposite side of the road. The Royal Palm project is an exquisite one, a bit elevated and slopes down to a calm stream that flows alongside its longer inner flank. The site will give you all the happiness you need because you will be there just by the zoo. The diverse wild life for the eyes to enjoy and the cool dairy products you need for your tastes. Seeing this project and its placement you will never like to be not part of it, to be not among its Dwellers, so hasten to it and regret not being late. Location: The Project is located 21 kilometers from Kigamboni and as said previously just by the road. FOR ENQUIRIES PLEASE CALL: +255 684 633 333

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PIM. Issue no.12, Oct-Nov 2015

Q&A

My Home

Business Minds

and quantity measurements. Decrease of embodied energy through efficient design, natural ventilation, day lighting, thermal performance of building envelope and renewable energy.

Eng. Ngwisa Mpembe President TZGBC

1. Why use ‘green materials’ or have ‘green buildings’ Green materials are environmentally friendly. We are now promoting Green Building because of the current cost the society is incurring to combat global warming. Green building is intended to help building owners and operators to be environmentally responsible and use resources efficiently and in sustainable way.

2. What other standards make a building green. There are 5 components that are normally considered in Green Building. • Energy Efficiency (EE). Building orientation optimization and thermal insulation quality

• Water Efficiency. Efficient fittings, usage and leak detection, rain water harvesting, irrigation system and landscaping. • Material and Environmental protection. Promoting the use of environmentally friendly materials as well as sustainable construction, greenery, environmental management practice, green transportation and storm water management. • Indoor Environment Quality (IEQ). Achieving good IEQ through visual and thermal comfort, improved indoor Air Quality, Acoustic and minimizing air Bourne pollutants. • Innovation and Regional Priority. Encouraging the use of other Green features, practices and innovations.

3. What are the monitorial benefits? Please be specific e.g. a regular building uses or loses X amount of power but a green building uses or saves Y amount of power which equals XX in money. In case of Energy saving from an appropriately design Green Building, up to 20% of energy consumption shall be saved by using a well design cooling system which is within a well oriented building in terms of architectural design. Up to 30% savings of water uses can be achieved which includes recycling aspect and re-use.

With Green Economy President at Tanzania Green Building Council (TZGBC) Eng. Ngwisa Mpembe

By Staff writer

4. Can you estimate how much a city like Dar es Salaam is losing by not enforcing green buildings? The city of Dar es Salaam is losing a lot by not enforcing Green Building. The losses can be quantified in terms of; - Energy Consumption. 20% more of Energy in form of Electricity is produced to run cooling system of poorly design buildings due to poor insulation materials, wrong Glass materials for window panels, poor lighting etc. thus causing thermal discomfort. - Besides other physical losses approximately 30% of water consumed in Dares Salaam is lost through poor fitted and oversized toilet cistern, showers

5. Who manages certification of buildings as green? Green Building Certification is a voluntary process. There is now a proliferation of standards, rating, and certification programs in the marketplace to help guide, demonstrate, and document efforts to deliver sustainable, high-performance buildings. Common standards related to building practices are created through consensus processes by organizations such as ANSI, ASTM, or ASHRAE. Supporting the governance of standards and certifications is the International Standards Organization (ISO), which defines and develops worldwide standards that frequently become law or form the basis of industry norms. ISO defines a standard as: “a document, established by consensus, approved by a recognized body that provides for common and repeated use as rules, guidelines, or

PIM. Issue no.12, Oct-Nov 2015 characteristics for active certification is a confirmation that a product meets defined criteria of a standard. ISO defines certification as: “any activity concerned with determining directly or indirectly that relevant requirements are fulfilled.”Green product certifications are intended to outline and confirm that a product meets a particular standard and offers an environmental benefit. Many product labels and certification programs certify products based on lifecycle parameters, making them multiattribute programs. These parameters include energy use, recycled content, and air and water emissions from manufacturing, disposal, and use.

The program outlines a six step scheme that also offers cash incentives to developers, especially focused on addressing improvements to existing construction in areas such as energy use reduction and materials conservation. C) Green Star SA—was developed by The Green Building Council of South Africa, and is based on the Australian Green Building Council tools to provide the property industry with an objective measurement for green buildings and to recognize and reward environmental leadership in the

My Home

6. Is there a law requiring use of green materials. Currently we don’t have a law requiring Green materials or Green Building. The Government is currently in the process of establishing building codes. This will be preceded by a review of Construction Policy. In the Policy we expected through input of various stakeholders, to include specifically elements supporting Green Building Technology and application. There after

Others focus on a single attribute, such as water, energy, or chemical emissions that directly impact the environment. After building Capacity and support from our Global partners like Singapore Green building, TZGBC will from now onward be responsible for certification of Green Building in Tanzania. Due to Climatic similarities (Tropical weather) and other factors we shall start by using Green Mark There are many international green building design systems that also set up their criteria through a nationalistic focus, keeping local standards and codes in mind. They include; A) BEAM—Based in Hong Kong, BEAM is a comprehensive standard and supporting process covering all building types, including existing and newly constructed mixed use complexes. BEAM is an initiative that assesses, improves, certifies, and labels the environmental performance of buildings. It is a voluntary program developed in partnership with, and adopted by the industry. B) Green Mark—Based in Singapore, Green Mark was launched by the Building and Construction Authority (BCA) in January 2005 to promote environmental awareness in the construction and real estate sectors. The BCA Green Mark Scheme rates buildings according to five key criteria including: energy efficiency, water efficiency, environmental protection, indoor environmental quality, and other green and innovative features that contribute to better building performance.

The first one from your left is Ipyana Moses, executive Officer of TZGBC, second is Farizan d’ Avezac de Moran-Vice president of TZGBC, Eng Ngwisa Mpembe-President of TZGBC, Arch Mike T’chawi, Vice President of AAT

property industry. Each rating tool reflects a different market sector (office, retail, multi-unit residential, etc.). The objectives of the Green Star SA rating tools are to: establish a common language and standard of measurement for green buildings, promote integrated, whole building design, raise awareness of green building benefits, recognize environmental leadership, and reduce the environmental impact of development. LEED(Leaders in Environmental and Energy Design-Green building rating and certification system through independent third-party verification for New Construction (NC), Existing Buildings, Operations & Maintenance (EB O&M), Commercial Interiors (CI), Core & Shell (CS), Schools (SCH), Retail, Healthcare (HC), Homes, Neighbourhood Development (ND).

laws and regulations shall come into forces defining the implementation of green building as a sustainable way of designing and operating our buildings.

7. What are some of the details entered in the two MoU’s signed in Singapore last year. The MOU describes relationship between the Councils through the sharing of tools, research and information regarding green building as well as the promotion of Green Buildings in Tanzania through capacity building programs focused on Training, outreach programs and information dissemination.

Tips

PIM. Issue no.12, Oct-Nov 2015

My Home

For Sustainable Home Building and Renovating By Staff writer

September was a big month for sustainable building and renovations, since September 21 through to the 27 was the Green Building Week

TIPS FOR SUSTAINABLE HOME BUILDING AND RENOVATING Waste Management It is absolutely vital to reduce the impact of your building or renovations on the environment. Whether you are building a new home or renovating your old one, there will be waste rubble, bricks, timber and metal. Some waste management companies simply take skips directly to the dump for disposal, while others have material recovery plants where they recycle what they can, and take only what is necessary to the dump. Also see building with construction waste page

Work with a Green Contractor Working with a green contractor may seem obvious, but how can you be sure the contractor didn’t adopt the language without the credentials? A green contractor will not only be familiar with legal rules and regulations but they will have certifications and training as well. In Tanzania, a good example of green contractors is the Dar es Salaam Glass Works.

Use Sustainable Building Materials Every part of your house like counters, cabinets, insulation for the flooring, your roof material, etc. should come from environmentally friendly products which utilise renewable materials. Consider the toxicity levels of materials as well. For example, natural flooring can eliminate VOCs and are more likely to be biodegradable.

Smaller is Often Better It is much easier to build a small home with eco-friendly techniques. A large home will not only cost a great deal to heat and cool; it will use more resources. Focus on design when creating floor plans, so that every square inch is utilised.

Utilities Consider environmentally friendly power sources, such as solar panels and hyrdronic heating. Check to see if your electricity retailer offers Green Power, an option to power your home with renewable energy sources.

Proper Insulation Insulation is an important thing you need to consider when you are building a sustainable home. Approximately 50% of your home’s energy consumption is from heating and cooling. Heat loss occurs when there are air leaks such as around doors, windows, and duct work. Don’t let your efforts to heat and cool your interior spaces be wasted because of improper insulation. Insulating correctly will reduce your energy consumption and

your electricity bills. Consult with your home builder to ensure they are utilising an expert insulation contractor.

Location When you are building or renovating, it’s important to evaluate the compass orientation, the water flow and the direction that high-activity areas face. Depending on where you live, you might want to avoid creating rooms with windows facing the sun at high-heat times of day to keep your home cool without need for A/C, whereas in other areas you may want to take advantage of the warmth of the sun to heat your home. Or other areas again, you may want to position windows to catch the sun’s rays to heat your solid mass flooring in the winter, but install louvres, screens or awnings to block the sun in the summer months to keep the indoors cool. This is what is known as passive solar design – when you want to leverage the sun’s rays to heat your home at certain times and not in others, and when done right it is one of the cleverest ways you can make your home greener.

PIM. Issue no.12, Oct-Nov 2015

My City

Watumishi Housing Company Secures acclamation as provider of most affordable homes in Tanzania House loans for public servants WATUMISHI Housing Company (WHC) a low-cost housing real estate firm has secured its place as a provider of most affordable homes in Tanzania thanks to the pact it has inked with four commercial banks to extend mortgage to public servants. WHC signed the memorandum of understanding (MOU) with the Azania Bank, Bank of Africa, NMB and Exim Bank.

Fred Msemwa

Watumishi Housing CEO

“Under the pact, public servants would have a chance to access houses built by the Watumishi Housing Co. through loans,” said WHC Chief Executive Officer Fred Msemwa after the signing event late last month (Sept) in Dar es Salaam. “The move will help bridge the demand gap for public servants housing,” he said noting that the annual demand for houses is more than 150,000 but the capacity of social security funds is to construct only 5000 houses annually. “Construction of 1000 houses in Dar, Mwanza and Morogoro is already in progress,” he said and went on to reveal that the company has already received 1,300 orders for houses. “This implies the company has to go an extra mile to meet the increasing demand,” admitted the CEO who nonetheless remained confident that the MoU would act as a catalyst to meet this growing demand.

Speaking on behalf of the participating banks, Azania Bank CEO Andulile Mwakalyelye said the move to cooperate with WHC is meant to ensure public servants acquire quality houses at affordable costs. He said with affordable quality houses, then the efficiency of public servants would also increase; “this is a benefit for the whole country,” he noted. In his comments, Deputy Permanent Secretary in the Ministry of Lands, Housing and Human Settlement Development Dr Selasie Mayungs commended the pact describing it as timely and saying it would serve to increase availability of houses for public servants; “ this is in line with government goals,” he said.

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PIM. Issue no.12, Oct-Nov 2015

My City

Home Insurance

By Staff writer

Many Tanzanians are not in the habit of securing themselves, their families and property against unforeseen risks.

personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

Multiple insurance policy Home-owner’s policy is referred to as a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks.

What is premium This refers to the monthly payment you make to the insurance company to remain covered against potential risks. The cost or rather the premium of home-owner’s insurance often depends on what it would cost to replace the house and which additional endorsements or riders are attached to the policy.

What is home insurance It is coverage for when damage or destruction occurs on your house from fire, natural disaster such as storms or any other damage as specified by the insurance provider and the covered party which is you. He in insurance is also commonly called hazard insurance or home-owner’s insurance (often abbreviated in the US real estate industry as HOI), and as its name suggests, it is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use (additional living expenses), or loss of other

Term This refers to the agreed period of coverage time that is usually on a monthly basis. The insured must pay the insurer the premium each term as agreed to keep their coverage viable. The home insurance policy is usually a term contract, i.e. a contract that is in effect for a fixed period of time. In general, property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways—open perils and named perils

Measuring Premium

Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station or is equipped with fire sprinklers and fire alarms; if the house exhibits wind mitigation measures, such as hurricane shutters; or if the house has a security system and has insurer-approved locks installed. Perpetual insurance, a type of home insurance without a fixed term, can also be obtained in certain areas.

What is an insurance policy The insurance policy is a legal contract between the insurance carrier (insurance company) and the named insured(s) which is you. It is a contract of indemnity and will put the insured back to the state he/she was in prior to the loss.

Extent of coverage Typically, claims due to floods or war (whose definition typically includes a nuclear explosion from any source) are excluded from coverage, amongst other standard exclusions (like termites). Special insurance can be purchased for these possibilities, including flood insurance. Insurance is adjusted to reflect the cost of replacement, usually upon application of an inflation factor or a cost index.

Open perils This refers to cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism, and war.

Named perils

In this case, the coverage requires the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, explosion, and theft.

The ultimate in luxury and Style

PIM. Issue no.12, Oct-Nov 2015

Cover Story

Towers

PIM. Issue no.12, Oct-Nov 2015

His Excellency, Dr. Jakaya Mrisho Kikwete, former President of the United Republic of Tanzania Cutting off the ribbon to symbolize official launch of the PSPF Towers in Dar es Salaam (16th Sept. 2015). Others are PSPF Director General Mr. Adam Mayingu (2ndL), PSPF Board of Trustees Chairperson Mr. George Yambesi (3rd L) & Regional commissioner Dar es Salaam Said Meck Sadick (R).

Former President Kikwete leads other delegates up an escalator in the new PSPF Towers, the tallest completed structure across East and Central Africa.

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PIM. Issue no.12, Oct-Nov 2015

My City The

Business Minds

expensive materials cost of

cheap building

The dilemma of short-long cuts One fine afternoon, my father in law Ken and I were in rush to the hospital, my wife was in the delivery room, Ken at the wheel. Assuring me for the hundredth time that we will make it in time, he flipped the indicator switch, threw a glance into the review mirror and hugged the right shoulder turn, Wood leaf St became Joint Lane, he snickered, we were home free. Ken had just taken a successful short-cut and saved us considerable time and fuel however, his exhilaration was less from the economic aspect of the fit, rather, it was more like the mischievous glee of a child chuckling after getting away with stealing sugar. This is because Ken, like all of us, knew very well that short cut could have been a dead end, then we’d have to turn around and spend twice the time and fuel.

By Staff writer

Don’t take short cuts

Iron sheets and Tiles

We have all being warned not to take short cuts or forever be damned thieves and cheats for beyond the literal sense, shortcuts cover a whole range of vices from cheating in exams to bribing and stealing.

There are now many types of iron sheets and tiles for roofing solutions (also see Roofing solutions) however, many building materials are substandard or out right fake.

The dilemma is, each of these ugly vices come camouflaged as beautiful virtues promising quick, better and cheaper options.

Because these materials are usually bough in bulk, it is very difficult to hand check the integrity of each tile or iron sheet in the consignment.

A long short cut

In his regard, the owner f the house relies entirely on the contractor they have hired for the job and similarly, the contractor relies on the brand he or she picks for the job.

What would have happened if the short cut that Ken took did not work? We would have to turn around and go back and it would have taken us longer to arrive and chances are, we would have missed the delivery.

This is where short cuts come in. Reliable brands (including reliable contractor firms) are usually of a slightly

PIM. Issue no.12, Oct-Nov 2015 higher price this is because their products are of higher standards of which to achieve, they underwent a more rigorous production process in comparison to the fakes and substandard counterparts. So, should the contractor choose to pocket more money for himself and buy cheaper substandard products, then your house would be roofed with low quality iron sheet or tiles such that, instead of two decades, your iron sheets would need replacement in only a few months. Likewise, tiles you paid for thinking you are getting water proof bitumen end up leaking after only a little short rain, again demanding replacement. The end result is that you spend double the amount of money not to mention the trouble you go through before you can complete the replacement. The shame when guests come to find your new roofing is rusted after only a few months or ugly blotches staining your ceiling because your tiles are leaking, very embarrassing. Caution: Here the warning goes to you, the house owner, in many cases, the contractor suggests good reliable brands they trust yet the house owner attempts to take short-cuts believing they are saving money by buying cheaper brands. Be warned it is these cheaper brands that are usually substandard or fake altogether, granted not all. Beware the cheap price short-cut may turn out to be an expensive long cut. Why we buy cheap products: Instant gratification This is the dilemma shoppers face every time they stand in front of shopping aisle and are confronted with rows upon rows of colourful consumer products. The rainbow array of options renders the consumersâ&#x20AC;&#x2122; defensive wall of reason obsolete and they are left to the mercy of their instinct. (See Malcom Gladwell: How we decide) This is where branding comes in. Advertisers capitalize on the natural human response to take comfort in the familiar when confronted by uncertainty.

My City

Earlier, it was wrongly assumed that increasing variety would expand the client base of a particular products because the client had more options; if you donâ&#x20AC;&#x2122;t like the off paint, you have the option to take the off white. However, when faced with rows and of options, the question of choice becomes a formidable maze and the consumer is stranded. To escape the maze of choices, the client naturally picks the familiar brand because familiarity equals trust. It could be a colour, a photo or a name, but the client will reach for one container and not another for no other reason than its familiarity. The reason we go for one brand and not another is simple, trust. When we use a product and gain the desired utility each and every time, we afford it our utmost trust such that when we have so many options to choose from we go for the colour, photo, or lettering that we are familiar with. This is why companies protect their brands with fervour because if their brand is compromised, customer trust is compromised and so are sales and subsequently profits. The black market, non-compliance and collapse of an industry While legitimate traders spend millions on research to understand the behaviours of their market, unscrupulous ones reap the lions share These traders operate in the black market where as the name suggests, it is a dark and vile scheme that knows no rule and respects no law. It does not observe any standards and abides by neither code nor regulation. While the country and the international community at large have set standards and operating guidelines to promote fairness among traders and ensure safety of consumers, the black market disregards legitimate traders and endangers the consumer.

Why fake, substandard and black market goods are cheap The answer is very simple, their cost of production is equally cheap. Do not pay taxes denying the government need revenue for development projects They do not register endangering the safety of the consumer Warning Purchase of fake and/or substandard products is not only very costly, it is also extremely dangerous to you and those you care for. A house whose building material is fake or substandard, be it the cement or the building blocks, the timber or roofing and all the way to the electrical wiring, if any of these vital parts are fake or substandard, then in the event of a minor accident say an earth tremor or heavy rains, this house can easily collapse in part or in whole. Similarly, if the electrical wiring of the house is not to set quality and safety standards then the result could be a circuit fault ignited fire that can consume the entire house placing you and your family at great risk. As such, beware of the short-cut that can easily turn into an a long cut, or rather be wary of cheap housing products because they can turn out to be very expensive disasters.

25â&#x20AC;&#x201A;

LIPIA 20% YA THAMANI YA KIWANJA

ARDHI NI MTAJI, MILIKI ARDHI LEO UTIMIZE MALENGO YAKO Mradi wa african palm upo km 27 kutoka ferry na km 12 kutoka katika daraja jipya la Kigamboni ni viwanja vilivyopimwa vyenye hati miliki. Eneo lipo katika mandhari ya kifahari na mvuto wa kipekee lenye maji, umeme na barabara. Viwanja vinapatikana kwa mkopo. Unahitaji kulipia asilimia 20 tu (20%), usipitwe na nafasi hii ya kipekee.

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PIM. Issue no.12, Oct-Nov 2015

LAND FOR SALE IN KIGAMBONI

Properties

3.5 ACRES. SEVEN HUNDRED METERS FROM DEGE ECO VILLAGE.

WARD: SOMANGIRA, KIGAMBONI STREET: SHIRIKISHO PRICE: SERIOUS OFFERS WILL BE CONSIDERED With the completion of ultra modern kigamboni bridge which will easy transport between kigamboni and Dar es Salaam CBD, Housing estate projects such as Dege eco village and Avic Town together with the Governmentâ&#x20AC;&#x2122;s commitment to ensuring the realization of Kigamboni New City, Kigamboni, is soon to set a new standard of a modern world class city for Africa. Located just eighty meters from tarmac main road side, the land is 22 kilometres (a 15-20 minutes drive) from Ferry and a mere 10 minutes drive to nearest beach front, the land is suitable for a variety of business investments from banks, shopping malls, social halls, Hotels, Motels, Hospitals, School, Residential apartments, Offices to Amusement parks etc. You will also get an opportunity to enjoy social recreations and amenities such as swimming pools, banks, shops, supermarket, restaurants, gym, bar, movie theatres, garden parks, kids play grounds and many others from the surrounding housing projects. For instance the land is just 3 minutes drive to Dege Eco Village.

For Site visit arrangement and further details contact Mr. Riwa Marealle or Mr. Rogers Evarist

Mobile: 0762 438 372, 0714 131 339 29â&#x20AC;&#x201A;

BOKOTIMIZA KIBAHA Viwanja vya Makazi na Biashara

- Viwanja vilivyopimwa vinapatikan Tumbi (Kibaha). - Vyenye maji, umeme na barabara zimechongwa. - Vipo umbali wa kilomita 6.5 toka barabara kubwa ya Morogoro, - 30km kutoka Dar es salaam 4km kutoka Hosipitali ya Tumbi.

Tsh. 12,000

kwa mita ya mraba LIPIA 20% YA THAMANI YA KIWANJA “ WAHI SASA, VIWANJA NI VIZURI NA UTAWEZA KUPATA MKOPO USIO NA RIBA”

0684 633 333 / 0655 323 909 P. O. Box 45548 | 8th Floor Mariam Tower, Songea Road / ShauriMoyo Road Dar es Salaam, Tanzania E mail: info@propertyinternationalltd.com

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NUNUA SASA

PIM. Issue no.12, Oct-Nov 2015

My Country Save Energy and Money while making your home more Comfortable Home Tips

By Staff writer

turning it off and then on or replace the fuse. A central air conditioner should be on a dedicated 240-volt circuit. 2. Make sure the furnace power switch is turned on and that the outdoor condenser’s power switch, which is mounted on the outdoor unit, hasn’t been shut off. Also be sure the 240-volt disconnect next to the compressor, which is in a metal box usually mounted on the house wall, hasn’t been shut off. With this type of electronic thermostat, you pull off the body to access the baseplate and wires.

y keeping your AC unit working well, you can save energy and, as a result, money. If a central air conditioner is in ill repair, it probably won’t work when you need it most. In addition, if your central AC works but doesn’t cool well, you’re bound to use far more energy than necessary to keep your house cool. Several different kinds of problems can occur with a central air-conditioning system. For example, you may find your central AC : • Doesn’t work at all • Runs but does a poor job of cooling • Allows dramatic changes in room Temperature • Drips or leaks water • Makes strange noises

3. Turn off the power to the air conditioner and check the thermostat. Remove the thermostat’s cover from the base (usually by pulling straight out) and replace the batteries (if it has batteries). Replace the cover and wait 3 or 4 minutes and try the system again.

Central Air Conditioner doesn’t work at all Be sure the thermostat is set to “Cool” if your AC won’t go on. Shop for programmable thermostats now. If your central air conditioner doesn’t go on automatically when the thermostat signals the need for cooling, it’s quite likely that the thermostat isn’t working properly or the unit is receiving electrical power. Before you do anything else, be sure the thermostat is set to COOL and its temperature setting is well below the ambient temperature. Then do the following: 1. Check the main electrical panel and any secondary circuit panels for a tripped breaker or blown fuse. If you find the problem there, reset the breaker by

4. If that doesn’t do the job, open the thermostat again and unscrew the wire from the Y terminal. Turn the power back on. Holding the wire by its insulation only, touch the bare end to the R terminal and hold it there for about two minutes. If the compressor kicks on, the thermostat is faulty. If the compressor doesn’t go on when you hold the two wires together, turn the power back off and call an air-conditioning technician. Air Conditioner Doesn’t Cool Well? If you can hear your central air conditioner running, but it doesn’t cool well, the problem can be caused by a couple of issues. The very first thing to do is make sure the filter in the air handler is clean so that it receives proper air flow.

Our magazine Distribution Coverage We would like to inform you that, PROPERTY INTERNATIONAL MAGAZINE

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For any additional information or assistance, Please contact us on +255 684 633 333 Email: info@propertyinternationalltd.com

PIM. Issue no.12, Oct-Nov 2015

My Country

Sudoku, Word Search, Jokes

Competition

Element Word Search Directions: Hidden in the puzzle below are the names of 40 common elements. The names may be spelled vertically, horizontally, backwards or diagonally. Some letters may be used in more than one name.

A small real estate broker was dismayed when a brand new corporate chain much ALUMINUM like his own opened up next door and erected a huge sign which read BEST ANTIMONY ARGON AGENTS. He was horrified when another competitor opened up on his right, and BERYLLIUM announced its arrival with an even larger sign, reading LOWEST COMMISSIONS. BORON CALCIUM The small real estate broker panicked, until he got an idea. He put the biggest sign CARBON of all over his own brokerage-it read...MAIN ENTRANCE.

GOLD HELIUM HYDROGEN IODINE IRON KRYPTON LEAD LITHIUM MERCURY NEON

CHLORINE COPPER FLUORINE

Hidden in the puzzle below are the names of 40 common elements. The names may be spelled vertically, horizontally, backwards or diagonally.

Some letters may be used in more than one name. ALUMINUM GOLD NICKEL SILICON ANTIMONY HELIUM NITROGEN SILVER ARGON HYDROGEN OXYGEN SODIUM BERYLLIUM IODINE PALLADIUM SULFUR BORON IRON PHOSPHORUS TIN CALCIUM KRYPTON PLATINUM TITANIUM CARBON LEAD

PLUTONIUM TUNGSTEN CHLORINE LITHIUM POTASSIUM URANIUM COPPER MERCURY RADIUM ZINC FLUORINE NEON RADON ZIRCONIUM

NICKEL NITROGEN OXYGEN PALLADIUM PHOSPHORUS PLATINUM PLUTONIUM POTASSIUM RADIUM RADON

SILICON SILVER SODIUM SULFUR TIN TITANIUM TUNGSTEN URANIUM ZINC ZIRCONIUM

U M

U M D

M O

D M

M O

K M

N M O

M N

H Y

M G

M U

H M

M G

M N

A M

W A

M U

N W

M M N

M U

W O

Thomas Jefferson National Accelerator Facility - Office of Science Education http://education.jlab.org/

VIKURUTI HILLS-KIBAHA VIWANJA VYA MAKAZI NA BIASHARA LIPIA VINAPATIKANA

YA THAMANI YA KIWANJA 15

UPATE KIWANJA

CEMETARY

PB NS

HOUSING ESTATE

10 RELIGIOUS SITE 20 HOTEL SITE

OS 15 15

15 20 15

10 RELIGIOUS SITE

PETTY TRADING

COMMUNITY HALL

NUNUA SASA MARKET

PARKING

SHOPPING MALL

DISPENSARY

OS RELIGIOUS SITE

HOUSING ESTATE

15 15 20

20 20 OS

10 15 OS HOTEL SITE

CHILDREN PLAY ROUND HOUSING ESTATE CEMETERY

PROPOSED SECONDARY SCHOOL 15

Tsh: 6,000 kwa mita ya mraba

Viwanja vilivyopimwa vinapatikana Mlandizi (kibaha). Vipo umbali wa km50 kutoka Dar es salaam km6.5 kutoka barabara kubwa ya Morogoro. Vina barabara zilizochongwa, maji na umeme .

“ WAHI SASA, VIWANJA NI VIZURI NA UTAWEZA KUPATA MKOPO USIO NA RIBA”

0684 633 333 / 0784 099 007 PROPERTY INTERNATIONAL LTD

P. O. Box 45548 | 8th Floor Mariam Tower, Songea Rd / ShauriMoyo Rd Dar es Salaam, Tanzania, E mail:info@propertyinternationalltd.com,www.propertyinternationalltd.com

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