<prompt> Translate the following text to EnglishUamuzi wa kupata na kushikilia ruzuku mapema unategemea dhana kwamba ruzuku huonekana kama mali ambayo lazima ipate angalau faida halisi ya asilimia 8.  <response>: The decision to earn and hold early allowances is based on the assumption that allowances are viewed as an asset that must earn at least an 8 percent real return. 