Interview on the importance of home business ownership to a Zambian

A third and final year social worker  student interviewed  me on the importance of owning a home. Below is a text of our  interviews.

In this interview, I will share with you the benefits/importance of owning a home.

I will break these benefits into  the following sub headings:

  • Universal dream for any Zambian
  • Future investment
  • Security and social gratification
  • Parenting
  • Incentive for educational achievement
  • Health and wellbeing motivator
  • Civic participation

Universal dream

Home ownership holds a special place in Zambian Psyche. Buying a home is a very important goal, it is a universal dream for any progressive and ambitious person, not only in Zambian community, but every person living on earth.


Owning a home is a big investment that Zambian makes. In fact Zambians strive to build/buy homes from their own savings without relying on mortgages from the banks in our home country. Owning a home here is even much easier because we have opportunities to borrow from the banks. This is viewed as a good debt, because it allows us to avoid paying what we call, “dead rent” to land lords and when you leave or die, you have nothing to leave for your children. This is why we are motivated to buy our own homes as we perceive it as a form of enforced saving which appreciates over time.

Security and social gratification

A material home represents a strong expression of security where one can boast of a piece of land with a garden as his own, to which one can withdraw, in which we can enjoy with our family, friends and into which a stranger can come against our will.

A home ownership provides a Zambian with a sense of physical and emotional security and safety. Where ever you go, you can come back to a home, “home sweet home!” It’s a personal space for us! Owning a home gives us the power, achievement and control over our environment we live in. It gives us the sense of control and authority.

On the social gratification, home ownership provides   a sense of belonging and acceptance. People who do not have their own homes are viewed as lazy, homeless, unproductive and have no place in Zambian society. Therefore owning a home enhances the sense of connection with broader community. And this provides social stability, economic reliability and community assurance, individual aspiration for independence and future security.

Home ownership and parenting

A stable home environment provides a good parenting. It is a well-known fact that owning a home encourages parents get involved in school activities, for example there is a tendency of reading to children, there is control of children’s TV time and imparting good behaviours within the home and in the neighbourhood. This enhances positive children outcome!

Education and achievement

When we migrated to New Zealand, our main motivation was to have our children receive a better education and be responsible for their future. So when buying a home, we look at the neighborhood if it can support and contribute to our children’s’ education. So we undertake a financial commitment to buy a house in a good area, free of crimes, violent behaviors and other vices. We also want to transfer financial commitment and behaviors to our children so that they will grow into responsible children in future.

With this in mine, home ownership provides good educational outcome for our children in that it reduces teenager pregnancies, bad behaviors because of the available quality of life maintained by home owners.

Health and well-being

Zambians always look at home ownership as a special place for retirement. So we buy houses so that one day when we retire, we want to be in our own place which is familiar to us, where we feel in control of ourselves rather than being pushed by the land lords. As mentioned earlier on in this article, we develop interrelationships with our neighbors and government agencies, we therefore want to be in a familiar environment where they know us and when we need help, it is readily available. This gives the peace of mind and enhances the health and well being status as opposed to renting a home in advanced age. There is no security and not possible to make modification. Culturally, Zambian believes that it is more honorable to die in your own home than in a rental house. This gives us Zambian the desire to buy our own home.

Civic Participation

Owning a home provides us with the opportunity to get involved and participate in community activities such as, elections, neighborhood watch, garden competitions, and community projects. We develop group network where we exchange ideas and skills, hence building lasting interpersonal relationships.


Owning a home gives us individual autonomy; accumulate wealth and social status which in turn brings social, economic, family and civic outcomes.

Home ownership provides educational performance of our children, encourages participation in civic and voluntary activities. It also enhances and improves health care outcomes.

Home ownership reduces crimes rates in communities and people become less dependency on welfare income from the government.

Home ownership comes with pride and sense of belonging in the community because there is financial stake in good neighborhood. Therefore, there are more social benefits in owning a house than renting one for life.

I have even gone further in  owning a  travel membership for life where I can go for  holiday as many times as I  can at a reduced price. There are no added  fees, once you buy the  membership it is for life and there  are  also financial benefits if you share it with  friends and work mates.

Get your membership right here, it takes a few minutes to complete and very secure

How to raise kids to become entreprenuers

How to raise kids to become entrepreneurs



Mark Hoverson and his Adventurepreneur

If  you don’t know Mark, today you will learn who he is  because of his ability to  create wealth online  from simple  ideas.

Mark Hoverson is an 8-Figure Adventurepreneur, Info-Marketer, and Dad of 4 rambunctious kids. His marketing & lifestyle “how to” videos have been viewed over 1,000,000 hours online. Full show notes & other curiosities at:

Today we are  featuring  one of his  famous quotes:

We are in a new era where almost every idea of
when & how we should ‘work’ is able to be redefined.”

The old idea of waking up (way too tired),
slamming a donut and coffee on the run,
and then huffing and puffing as we race to
a unfulfilling job…to do boring tasks…while
wearing uncomfortable clothes…dealing with
people we’d rather not deal with, and working
for people we’d rather not work for…for a wage
with an impenetrable ceiling (a low ceiling btw).

Those days…for a growing number of creative
people…are ending abruptly.

To listen to a deeper convo on this whole subject
of rewriting how work-life can be done, feel free to
glean whatever you can from my most popular podcast
episode yet: Adventures in Android Earning
But the funeral can feel awkward for some of
us…me included.Let me explain:#1- Today I woke up in a splendid island villa
(we paid around $500 for the week while everyone
around us either bought a $15-20K timeshare plus
$700/yr in usage fees, or they rented on Expedia
for about $3K).

***Sponsored Link To take a peek at exactly the
product that I made my first million with…and still
use several times every year…watch this video…
and it also pays you $2K every time you make a sale:

#2- We ate a breakfast of exotic island fruits and
meats…while sipping green tea in the Hawaiian sunshine.
We go to farmer’s markets almost every day on the island.

#3- Then, did a brief little bit of reading and a quick
10-minute of yoga/stretching on a cliff facing the
Pacific Ocean.

#4- Then…here is where it can feel awkward…we check
our deposits from education & travel products that
we sell…which totaled several thousand in the last few days.

#5- Then…we go to this little eatery and type this email
before we go surfing for the a few hours.

So why does this feel awkward?

Because it’s so violently unlike the past way of
working and earning and living.

It’s a sharp break. It feels vastly more meaningful.
More fun. It’s hard to measure how much more profitable
it is. And it’s inspiring instead of draining.

But a new age is dawning, not for everyone, but
it is for many creative entrepreneurs who can see
there is a serious and permanent exit from the old
ways of working.

Okay this is getting a little long but let me explain:

#1- Because of the internet and attraction marketing
(AKA- targeted ads and email follow-up to targeted people)
you can predict almost with certainty the type of person
you want to work with…exactly the kind of person you
want to sell to, partner with, etc.

EXAMPLE 1: while on this trip, we had a new buyer
of our Renaissance membership (it’s the travel membership
I market…link above). He lives in Hollywood, California and runs
a consulting company. He’s a cool dude. He’s already
banking 6-figures in his company, but wants to expand
his influence deeper online. He pays a few thousand
for our product. He’s coming to attend our INVISIBLE
EMPIRE event in a couple of weeks: <–check out Invisible Empire LIVE here.

It’s fun to integrate him into our network.

EXAMPLE 2- Sri, who I mentioned the last week. Immigrated
to Canada from India for more freedom. He’s a multiple-six-figure
entrepreneur as an accountant. And now he went online.
Through tenacity in learning and action, he’s made several
thousand dollars online and just landed his first $50K client.

He’s also cool. Ambitious. Fun.

THE BIG SECRET: There are thousands upon thousands
of free-spirited, talented, driven people who are now
CONSTRAINED in their current job or business but they
also have the COURAGE to do something about it.

These are my entrepreneurial soul mates.

Imagine what it would feel like to integrate yourself into a

Lifestyle Design Network

Lifestyle Design Network

network of people who are creative, ambitious, and bold.

Imagine marketing products and services that are so linked
to your passions that they are almost an incarnation of your
heart? That’s been my aim for the last several years.


Free Scholarships to New Zealand

Academicians wanted

Academicians wanted


New Zealand Development Scholarships are  open  to eligible African countries including Zambia and  Zimbabwe.

The  scholarships are  offered to Africans who are  motivated to  make a change  in their  own countries after  completion of the courses. The  free  scholarships include financial support for  tuition, living cost while in New Zealand and  free airfares.

Courses being offered  are as follows:

  • 6 months post-graduate Certificates
  • 1 year post-graduate Diploma
  • 1-2 years masters degree and
  • 3-5 years PhD

Preference will be given to those interested in one or more of following disciplines:

  • Agricultural development and
  • Renewable energy.

The deadline for applications  are, 15 April 2016, if paper application and 30 April 2016 applying online.

If you know  anyone, send  this article to them as soon as possible!

For  more  details, click here now…

All the  best and see you when you  come to New Zealand!

-Charles Kaluwasha




Eric’s Insider Traffic Secrets!

Eric left it ALL out on the table last night:

If you want to know the SECRETS to:

==> Supercharge Any Network Marketing or Home Based Business With Traffic Authority.

==> Launching Massive Teams In The Home Business Arena.

==> Engineering MASS DUPLICATION.

Watch The Replay To Get Eric’s SECRETS before we take it down for good!



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