We saw that in the present tense, you could say "I am at..." by just using the subject concords:
Ni kazini.
A muhoni.
Fu baharini.
We know that the subject concords for things like trees are u (for 1) and mi (for several), so:
To say "I have", just add the word na, meaning with:
Nina kazi.
Una mboga.
Ana nyumba.
Funa munda.
Huna wana.
Muna ndugu.
Mana ache.
Migomba mina maizu.
Migomba mina maizu.
Exercise
Translate the following sentences: