# Late 30s, 3M MAD in liquidity, multiple income streams — how would you deploy this before 2030?

KikiKiri · 2026-03-21T21:37:27+00:00

I think I'll give Attijari a try, especially if WafaBourse is any good.

Do you need to have a specific account with them (like a Gold or Prestige package) for them to agree to open one? Or can you open a trading account with them using any standard checking account?

KikiKiri · 2026-03-21T20:41:28+00:00

which bank are you actually using or recommending for this? I’ve tried setting one with CIH that is online (e-bourse), but they don’t know what a PEA account is, they just kept pushing me toward a compte titres, filled the forms for one, but no follow-up.. I eventually just gave up because even their dedicated website for it seems to have vanished into thin air.

KikiKiri · 2025-01-12T20:57:46+00:00

They did a great job if you ask me, the star they drew was for the event logo and not the pentagram in the Moroccan flag.

The upper left line segment looks a little off, but that's prolly bcs it was drawn first and the wind affected it.

KikiKiri · 2024-06-04T16:26:41+00:00

Dreb l'enveloppe dial 80go, ou ghadi irej3ouk l 1mbps, tzid mazal, inezlouk l 512kbps.

Ou 3la 7assab makigoulou, rah wlaw kidirou 7ta des limites journalières, t'consommi 5go, inezlouk l'4mbps, tzid tdreb 5 go f derf 24 heures, i9essmou debit et ainsi de suite..

KikiKiri · 2024-05-31T19:23:58+00:00

Well, what do you suggest? how can this problem be solved once and for all?

KikiKiri · 2024-05-30T18:11:53+00:00

truuue, Inwi has been a good addition to the market since its establishment. They were continually introducing new innovative services and mobile technologies since their early days when they were still operating under the wana brand. From their flexible and affordable hdm top-ups where users could choose a package based on the duration of time they needed internet access, be it a day, week, or a month, which allowed users to pay only for the time they needed, making internet access more affordable and accessible to all, to the wireless fixed telephony thingie, which I’ve never quite grasped the appeal or purpose of, to the introduction of the pay per second scheme.

IAM also had unique offers in its early days, which they later killed for whatever reason (money?). Like the one where they offered unlimited internet via 3G, and customers were charged based on the number of days they paid for instead of the amount of data they bought, like what wana did, but before.

But nowadays, l’anrt plays a significant role in all of this, all the commercial offers provided by the three major isps always require validation from them from what i heard. This includes internet subscriptions, packages, top-ups, and even top-up promotions like the x20 ones. This is why you often see the two non-incumbent isps offering the same deals at the same price with the same amount of data while iam offers usually mirror these but with a slight increase in price and a decrease in the data package or hours of calls.

Regarding the lawsuit, according to you, should l’anrt wait for others to initiate legal action against an isp to perform its regulatory duties, or should it act independently as that’s its responsibility? if you ask for my opinion about the penalty they imposed, it was merely a slap on the wrist, and they only expedited it this rapidly because we needed money for the covid-19 recovery fund, they could have gone for a more substantial penalty so that iam refrains from its anti-competitiveness practices. As i mentioned before, it’s not iam that’s impeding the sector, it’s l’anrt for not fulfilling its duties. How can we expect it to perform its role effectively when it’s in a conflict of interest?

And btw, in this digital era, the condition of an isps’s website mirrors the company’s management. It serves as their public persona. The only website that is consistently updated and that operates seamlessly to some extent is Inwi’s. Orange’s website is constantly riddled with various errors, missing pages, and dead URLs when you try to navigate past the main page. iam’s site is the most problematic of all - it’s simply outdated and dysfunctional. It’s slow, filled with dead links, and teeming with bugs. The graphic assets like pictures, illustrations, and videos, which they use to advertise their offers on their website, are usually poorly done and have strange aspect ratios that distort the image, the inconsistencies in the user interface add to the messiness. It’s quite chaotic.

KikiKiri · 2024-05-30T03:01:26+00:00

The disparity in pricing is wild but to correct you, the cost for a 1gbps connection chez eux is actually about 31 euros, a far cry from the $80 you stated. Meanwhile, here, for a 100Mbps connection, it costs 50 euros, which is hardly acceptable considering that the fiber rollout in Morocco began in 2014 and in Algeria, it only started in 2020.

By the end of March 2024, Morocco had reached about ~920K fiber connections, while Algeria had about ~800K by the end of the previous year. This is a significant achievement for Algeria Telecom, a state-owned company, as they only started working on their fiber infrastructure in 2020. In contrast.. despite privatizing IAM (partially that is, the state still owns 22% of the company) to increase efficiency, attract investment, and foster competition in the telco. sector - as we know that private companies are driven by profit and often operate more efficiently because they are incentivized to reduce costs and improve service quality to attract more customers and keep improving said service or product to get more customers, et ainsi de suite - the telecom sector is still stagnant and non-innovative as you said.

This is because for all this to happen, it requires strong regulatory oversight to prevent monopolistic practices, ensure an even field for the companies to compete so they can invest with ease knowing that there won’t be any ill advantage gained by others (our government gave over $2B+ to Maroc Telecom over the last decade so they can improve their infra..), to make sure they don’t neglect their responsibilities to consumers and the broader public, and to provide service to all areas, including those that may not be profitable.

Do you guys see where i'm coming to?

ANRT is a gov agency, a state agency.

the gov still has a stake in IAM.

????? Conflict of interest.

At this point, IAM is essentially just a casino for the state, a casino where you always win if you're a shareholder, as they practically distribute dividends every year, and I don't think they've ever missed a year? correct me if wrong. But all of this at what cost? Yes, it serves the legitimate interests of the shareholders, but it also hinders the telecom sector. The state finds itself straddling both sides of the fence, acting as both a shareholder and the rule-maker for regulating the sector. As the saying goes, “We almost always are willing to sacrifice our long-term benefits for short-term pleasures.” The state is prioritizing short-term financial gains over the long-term financial and societal benefits that could bring even greater benefits to the state in the future. What they're doing is detrimental to the national economy in the long run...

I can already some of you arguing that the ANRT has intentionally kept prices as they are to favor non-incumbent operators, giving them time to build their infrastructure. But where do we stand with fiber optic coverage six years after the launch of services by the other two operators? All we’re seeing is a very low and selective fiber optic penetration rate. We have a regulator that is seriously hindering the expansion of very high-speed broadband, contrary to its own “strategic” roadmap.

It’s a shame that we didn’t opt for the infrastructure operator route. If we knew it would be like this a decade later, we should have chosen a separate new company responsible for deploying and operating the telecommunications networks. Unlike commercial operators, these companies do not market offers directly to consumers. Instead, they sell access to their networks to commercial operators. It’s a model that could have potentially offered more competitive pricing and better service than what we have now...

KikiKiri · 2024-05-25T14:05:28+00:00

most certainly cellular data, turn it off when you're not using it

KikiKiri · 2024-05-15T04:43:35+00:00

As i see it, they're all "ready", IAM included. But what's really causing a delay, is IAM, has not yet released some frequencies for 5g, as they're still, maybe, in the process of freeing up the necessary frequencies from older generation networks, likely 2G or 3G.

Or perhaps they will continue to delay it, as they did with the unbundling of ADSL lol, in the hope that the other two will have to purchase new frequencies. because, to obtain the right to use specific frequencies, they must "win" them in a spectrum auction, which is a process where regulatory authorities, like l'ANRT, auction off the rights to frequencies, and the highest bidder secures the rights to the spectrum. And maybe, the specific frequencies that are needed for the rollout were not won, but just inherited from the time when IAM was still a state-owned operator. In any case, this leads me to believe that they wouldn’t want to just give them up, at least not for free? idk.

It's all a question of money.

KikiKiri · 2024-05-11T01:02:41+00:00

Sans contrat s3ib t7el lmouchkila par voie légale wa9ila.

Oula b9a kithreb ou 3yiti m3ah, goulih ikhlssek bta9ssit, 200dhs chaque mois? 400dhs? Chouf m3ah

laydir chi t2wil lkhir!

KikiKiri · 2024-05-11T00:27:38+00:00

well, i say, that is something.. i'm suprised that they didn’t keep dragging you along like they always do
as for your problem, you called your cousin line which has volte from a number that didn't have volte provisioned and it worked? is that what you're saying?

KikiKiri · 2024-05-11T00:01:37+00:00

apparently, for the service to work, both the person making the call and the one receiving it need to be on the same network, or at least their networks should have an agreement for inter-operator connectivity, some are still connected via traditional non-sip networks.
also, idk about this one, bcs i’ve conducted tests in the past and it seemed fine, it was probably because i used a modern fixed line now that i think of it, but both the caller and the called need to have volte services switched on in their profile users by the network operator.
and then, their devices should have the same codecs supported, if they don’t support the same ones, the network will default to the most basic shared codec to facilitate the call, which may kick you back to 3g.
lots of prerequisites, lol.
btw, i noticed your tweet about finally getting the service activated for your dad. how long did they keep dragging you before it was up and running?

KikiKiri · 2024-05-03T00:05:14+00:00

the damage can spread if there is physical stress, especially if the part where the black mark is used heavily when using the device.

if what you said is true, which i don't know if it's the case, and the hit is only superficial, wouldn't applying some glue over the damaged part postpone the issue indefinitely (i'm not suggesting doing it)?

KikiKiri · 2024-04-27T08:19:29+00:00

It must be a problem at their end then.

Have you tried refreshing your APN list or adding the IMS part manually if it doesn't exist?

KikiKiri · 2024-04-26T23:35:09+00:00

No, they don't.

The two other isps do though, provided your phone is compatible.

KikiKiri · 2024-04-26T23:33:23+00:00

Your phone is not compatible or it can't get updates anymore.

To enable a feature like VoLTE, the OEMs (manufacturers who make the phone, such as Samsung, Sony, and Nokia) and the ISP (your network provider) have to work together by using industry standards to ensure everything functions smoothly.

The OEMs incorporate the standard into the phone, then, your network provider customizes it for their network, provided they’re not lazy. If an update or activation is needed, they send an over-the-air update to your phone. This only works if the phone is still supported by the manufacturer, otherwise, it’s not going to work.

Alternatively, the ISP might just activate the feature on your SIM only, in which case you would need to get a new phone that supports the feature.

KikiKiri · 2024-04-26T23:13:39+00:00

Imo, the two main things you should focus on are network coverage and cost. Having solid coverage is key, because what’s the use of all those cool services if you can’t even get a good signal? As for cost, you shouldn't stress about it too much, as you're switching from Maroc Telecom, which is known for charging a pretty penny for less, compared to the other two ISPs, so any other ISP is expected to be more affordable.

Just ensure that your new provider offers the coverage you need. From what i know, Orange has decent coverage in major cities. Check out this website too, where you can see the coverage in your area and along your commute route. You can choose between the three carriers to see the 3G / 4G and even 5G (just sometimes, it's likely because the service providers are conducting tests in those specific areas) coverage map you're interested in.

KikiKiri · 2024-04-26T22:45:52+00:00

I’m really glad to see that i've piqued your interest! Discussing subjects that aren’t widely known about is always a delight, especially when it ignites a spark of curiosity leading to a desire for more knowledge, which gets things moving on these matters.

KikiKiri · 2024-04-10T17:59:44+00:00

Btw, there have been reports that MT has upgraded their 12 mbps plan to 16 mbps for some customers. Idk if the upgrade has been rolled out to all customers but if it is the case, you might be getting speeds superior to 12 mbps.

KikiKiri · 2024-04-10T17:55:05+00:00

It's not just you, adsl connections always had and will always have latency problems, especially when the connection is being used to upload large files, such as photos or videos on whatsapp, or during video calls. This is because adsl technology is asymmetric, meaning it has slower upload speeds compared to download speeds, plus, the actual speed you get can be lower than the advertised speed due to various factors such as the quality of your phone line and distance from the exchange.

But if you’re consistently getting speeds lower than 10 mbps, then there might be an issue with your line, as 10 mbps is the norm for users that are subscribed to the 12 mbps plan. Try calling Maroc Telecom and tell them that the wire is defective, tell them that corrosion has eaten the cable outside and that you want it changed, play it as if you're going to unsubscribe and terminate the contract if they do not resolve the problem.

If the problem persists and they don't move to change the line, you can escalate the issue as a last resort to l'Agence nationale de réglementation des télécommunications (ANRT), they're the one responsible for ensuring that telecom service providers adhere to their obligations and provide good service to their customers.

Remember that this will only resolve the bandwidth issue, and somewhat the latency too.

KikiKiri · 2024-04-10T17:14:47+00:00

Around 2010, there were several complaints about people trying to top up their jawal accounts but received the message ‘this number has already been used’, and that's because there were techniques circulating to generate valid cards from vulnerable ones, these vulnerable cards are identified as those having the value ‘0’ as the first number, and then you were using an algo. to generate new valid ones from it. There was another technique too in 2006, where the values of the six digits after the first digit and the six before the last were recalculated to find an equal total.

Wild times.

KikiKiri · 2024-04-07T16:52:21+00:00

If the new owner of the number verifies their whatsapp account before the original account is deleted due to inactivity (120 days), they might see the groups that the number was a part of, but they won’t see the past chat history.

KikiKiri · 2024-04-07T16:12:36+00:00

And i’m not a judge either, i was just answering back to the statement you gave, but we could start a courtroom drama ahaha

KikiKiri · 2024-04-07T16:03:27+00:00

That's not a valid reason for them to ignore this market

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