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‎BOZ REVEALS NEW K100 AND K50 BANKNOTES.

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The Bank of Zambia (BOZ) has unveiled the new K100 and K50 banknotes in Copperbelt Province, as part of the country’s updated currency series.
‎BOZ Governor Denny Kalyalya presented the new notes to Copperbelt Province Minister Elisha Matambo this morning in Ndola.
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‎Dr. Kalyalya said the new banknotes will be introduced into circulation starting Monday, August 31, 2025.
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TIPS ON BUYING LAND WITHOUT TEARS, SHARED BY DICKSON JERE.

Buying Land? Supreme Court Guides
By Dickson Jere

Are you buying land or real property? The Supreme Court has valuable advice for you as you undertake that decision.

The Court ruled thus;

“In purchasing real properties, parties are expected to approach such transactions with much more serious inquiries to establish whether or not the property in question has encumbrances. Buying real property is not as casual as buying household goods or other personal property,” the Judges said.

If you did not do your proper due diligence, you cannot rely on the defence of bonafide purchaser of land without notice in case the property is tainted.

Case citation - Nora Mwaanga Kayoba and Another v Eunice Ngulube - SCZ Appeal No.35 of 2001.

Lecture Notes;

1. You must first trace the route of the title. This is a process of tracing on how the title of the particular land has changed hands previously up until to the current owner or seller. By tracing the route, you will be on notice if there was something unusual that require further inquiries especially if you find that there was a reentry on the property from the previous owner at some point.

2. Do the physical inspection of the property and ask questions especially if you find someone on the property. Is he tenant or claiming an interest in the property? If there is a some developments, find out who built the structures to be sure it is not someone else.

3. Do the search at the lands registry at the Ministry of Lands to verify the ownership of the land. The printout will also give you the history of the land in terms of previous ownership and transactions such as mortgages or court decisions registered on it. It is also prudent to do the physical search on the actual file “green file” to be sure that what is on the computer printout matches with what is on physical file.

4. Verify the NRCs of the vendor especially if there are red flags. NRCs are being forged to match the names on a title and people have lost money through such transactions. Always meet the vendor in person even when using the agent. You must personally see the person selling.

5. Get the Surveyor to verify the beacons and size of the plot. The measurements on the diagram attached to the title must match the measurements on the ground. Only the registered surveyor can do that for you and produce a detailed report. This is to make sure you are not buying land that encroaches on someone land or road reserve.

6. If you are buying land from the administrator or the estate of someone who died, always ask for the court order that allows that administrator to sell. If you buy without court order, just know that the entire process is illegal and invalid transactions.

7. Only pay after you have exhausted the due diligence or else you will will lose your money. Land is serious business and there is no rush to purchase without checking all the documentation.

8. It is advisable to use the Contract of Sale under the LAZ General Conditions 2018 as most of the details are already covered in that document even if you omit them in the main contract. However, you must have an idea as to what is contained in the LAZ General Condition before you can refer to it or adjust in the Special Conditions of the contract.

Finally, It is prudent to hire a Lawyer for due diligence as this process is usually legal and require a legal mines especially when there are other documents involved such as Power of Attorney or proposed subdivisions that are not yet on title or indeed where they are many owners.

New K100 and K50 banknotes will be released into circulation on September 1, 2025 as earlier stated by BoZ

LUSAKA SECURITIES EXCHANGE SHARED 👇🏾

So, IS EDUCATION THE KEY TO SUCCESS?

Yes. Education is paramount. Having a certificate of education is not always the same as BEING educated. You could be educated via apprenticeship (on job training) or via exploration/experimentation and be more educated in a matter than a certified practitioner. However you learn a craft in school or in the field, the important thing is the effective application of knowledge. That is what education is.

Follow IGNL if you are a Business Person or career professional interested in continuous self improvement. Be at the top of your game. Attend our webinars and stay sharp in your field if interest.
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IS EDUCATION IMPORTANT?

try going to court without a lawyer.
Try allowing your barber to conduct that much needed surgery.

ITS ALWAYS TIME FOR BUSINESS
‎Let memes, birthday wishes be fillers and not the bulk of your communication on your socials including your what's app & never silence.
‎You have what's app business but the status has:
‎No product updates.
‎No client testimonials.
‎No pinned catalog.
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‎Dont sleep on your socials!
‎Reach Further, Reach Farther

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‎COMMUNICATE LIKE A PRO
‎Tip1
‎PHONE CALLS
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‎1. Be in a quiet area with minimal distractions or background noise. Do not be talking to some one else whilst you are on a call, it comes off rude and indicates you do not value the time and attention of the other party.
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‎2. Know the Purpose: Have necessary documents or information ready as you get on the call.
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‎3. Have a Notepad/Device: Be ready to take notes if needed.
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‎4. Greet Clearly and Warmly:
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‎“Good morning, [Company Name], this is [Your Name]. How may I help you?” when answering a call.
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‎When making a call, introduce yourself ask whether you have the right person or company on the call and state the purpose of your call after, do not engage is small talk, stay focused.
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‎E.g "Good afternoon, this is Mr IG calling from IGNL, I was hoping to speak to some one in sales I would like a quotation for a number of products but need clarity.
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‎5. Use a Friendly, Calm Tone: Smile – it can be “heard” in your voice.
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‎6. Avoid Slang or Informality: Stay courteous and professional.
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‎7. Listen Actively: Don’t interrupt. Let the caller finish their sentence.
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‎8. Be Concise and Clear: Respect the other person’s time.
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‎9. Speak at a Moderate Pace: Avoid rushing your words.
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‎Follow IGNL if you are a Business Person or career professional interested in continuous self improvement. Be at the top of your game. Join our webinars and stay sharp in your field if interest.
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‎During the Call
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‎Use Professional Language: Avoid filler words like “um,” “you know,” or slang.
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‎Always use official language to begin conversation unless the other party demonstrates an inability to communicate effectively and clearly in that language.
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‎Use the Person’s Name (if known): It builds rapport.
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‎Clarify If Needed: Don’t pretend to understand; ask politely.
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‎Avoid Eating or Drinking: It’s distracting and unprofessional.
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‎PUTTING SOMEONE ON HOLD
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‎1. Ask Permission:
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‎“Would you mind holding for a moment while I check that for you?”
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‎3. Thank Them for Holding: When you return
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‎TAKING MESSAGES
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‎1. Get Key Details: Name, phone number, time of call, and message content.
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‎2. Repeat Back the Message: To ensure accuracy.
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‎ Ending the Call
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‎Summarize Key Points: Briefly confirm any action items.
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‎ End Politely:
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‎“Thank you for calling, have a great day!” “It was nice speaking with you. Goodbye.”
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STRONG TEAMS BUILD STRONG BUSINESSES
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‎At IGNL, we believe that teamwork isn't just a buzzword—it's the foundation of any successful organization. That’s why we offer professional team building facilitation services designed to boost collaboration, trust, and motivation in your team.
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‎Whether you're a small business, NGO, startup, or corporate—our team building packages are built to match your goals, energy, and vibe.
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‎What we offer:
‎Engaging Speaking Sessions – leadership, communication & mindset
‎Board Games – strategy, fun, and bonding
‎Outdoor Activities – challenges that build unity and confidence
‎Flexible Locations – at your office, a retreat space, or off-site venues
‎Advisory Services – we help you design and plan a program that fits your team culture
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‎Let IGNL help you transform your workplace into a space where people don’t just work together—they win together.
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‎ contact us to book a session or learn more :
‎Email - [email protected]
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‎SOMETHING NEW IS COMING!

‎IGNL is about to launch a fresh and engaging lineup of online courses and live event experiences – built with you in mind.
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‎One new topic every week – practical, relevant, and tailored for ambitious minds young & old.
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‎Here’s a taste of what’s coming:
‎Diplomatic Protocols & Social Etiquette
‎ Winning as a Purchasing & Supply Contractor
‎Business Negotiation Masterclass
‎ Dating & Relationships for the Modern African
‎African stock exchange markets - Lusaka, Kenya, Johannesburg
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‎Whether you're looking to level up professionally or personally, there’s something for you.
‎Some courses will be free, others affordable and worth every kwacha.
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‎ Stay tuned – we’re going live soon!
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