Bookworms of JF, what's your favorite book (s) and why?

Asante City Owl.
Nakiweka kwenye wishlist zangu
 
Paula, sioni tofauti kabisa ya The richest man in babylon na Rich dad poor dad, hata Kiyosaki amekirecommend mara nyingi tu kwenye rich dad series zake, anasema kabisa..

If you want to learn the basic principles about money, read The richest man....

To cut a long story short, ni vitu gani ni faraja tu kwenye rich dad, ambavyo unaona havifai kuigwa au kutekelezwa ili mtu afanikiwe?
 
"A woman is never looking for an individual who is lesser. Therefore putting yourself in a position to appear awkward, tells her that you are a lesser man. Lesser men are at the bottom of the food chain. Therefore, you have slim to no chance to receive large amounts of attention from females. I hope I’m explaining this in a way you can understand.

Women have options therefore they learn at a certain age that it’s important to weigh those options. They do this by applying the standard generalized test. If you are an incredibly awkward individual in any of the ways mentioned. You’ve already failed a portion of the test. Simply because you made this woman uncomfortable.

Why do you think women go after rich men. Because they know these men can make them incredibly comfortable. They don’t have to pay for anything. They don’t have to worry about bills. They don’t really have to worry about anything. Why do you think women stay in relationships with horrible individual. It’s because they become incredibly comfortable within that situation. Once the situation becomes too uncomfortable, that’s when they start to search for another situation that’s more comfortable" by GUY BLAZE.
 
1.kama ulisoma my last quote niliyokuquote niliongelea suala la nyumba ( kumiliki nyumba) . una kumbuka?
Ni kweli nyumba unaweza isiwe investment na literally alikuwa anasema ni bora kupanga na kuwekeza kwenye real estate (RE).
Tuje kwenye uhalisia nikutolee mfano wewe, kama una familia yako mke na watoto. Maana yake ukisema usijenge ili kupanga nyumba nzuri itakuhitaji kulipa kodi ya shilingi ngapi kwa mwezi? Kwa mwaka jee? Haitoshi kununua au kujenga nyumba?

Okay alisema kwamba kumiliki nyumba ni expenses , itahitaji ulipe maintainance cost. Lakini kwani gharama ya maintainance ni shilingi ngapi na inafanyika Mara ngapi baada ya miaka mingapi?
Expences kama bills za maji , umeme hizo hazikwepeki kwa sababu hata uki rent a house lazima ulipe.
Nilikwambia kilichotokea kwa watu ambao walikuwa wanachota kila kitu ambacho kiyosaki anasema, bila kuchuja na kujua sio vyote vina work kwa kila mtu na kwa maisha ya kitanzania au ya kiafrika, Leo wamefilisika kwenye miradi waliokuwa wamewekeza, na nyumba za kuishi hawana zaidi sana wameishia kurudi vijijini baada ya kushindwa kumudu hata kodi.

Kwangu Mimi naona kumiliki nyumba unasave cost nyingi sana tofauti na ukipanga nyumba. Na ninaweza kumshairi Mtu kwa proper utilization za hela ni bora ajenge nyumba, halafu aanze kusave excess money ambazo angekuwa anapigwa kwenye hizo za kupanga.

2.Issue ya Elimu. Huwa anaishusha hadhi sana elimu na kufanya vijana wengi wasitamani kusoma. Ana msemo mmoja kwamba wenye C wamewaajiri wenye A. Yaani kwa maana nyingine ni kwamba wasomi wameajiriwa na ambao hawajasoma. Kwahiyo kwa kifupi haoni umuhimu wa shule. Na vijana siku hizi wameshikilia huo msemo sana tena baada ya kushindwa kufanya vizuri shuleni.

Lakini wanashindwa kujiuliza bila shule wangeweza kweli kusoma hata this rich dad and poor dad? Bila shule wa naweza kuelewa concept zote alizoziandika kwenye kitabu? Proper management ya fedha inahitaji pia elimu. Well na kama kweli shule haina maana kwanini huyo aliyefeli inabidi amwajiri msomi ili afanikishe mipango yake?.

NDIO MAANA NIKASEMA KIMEKAA KUTOA FARAJA BADALA YA NJIA SAHIHI.

NB, kumbuka haya ni mawazo yangu yanaweza kuwa sahihi au sio sahihi.
 
Ok, Paula, sasa tunaenda vizuri..

Moja ya vitu vilivyosababisha kitabu chake kikataliwe hadi akichapishe mwenyewe ni hoja tatu,

1)Saving money is foolish.
2)Dont work for money na ya tatu ni uliyosema
3)Your house is not an asset, tuijadili',

Nafikiri unakubaliana na definition yake ya asset na liability, na unakubali pia kwamba ili utajirike unatakiwa kununua asset badala ya liability...

Kwamba, badala ya kununua nyumba uishi wewe, nunua nyumba upangishe, hesabu inatakiwa kuwa kwamba, gharama utakayokuwa unatumia ulikopanga iwe ndogo kuliko pesa unayoingiza ulikopangisha, ina maana utapokea rent ambayo itacover pango lako na kubakisha, hiyo unayobakisha ndio profit..

Sijui kama ninaeleweka, inambna hiyo nyumba ungeishi mwenyewe, usingeingiza kitu na ungeilipia kodi na maintainance, tayari ingekuwa liability, ingekuwa ni expenditure, badala ya income.

Mtu mwenye nyumba ya kupangisha anafilisikaje ili hali inamwingia pesa kila mwezi?

Mimi nadhani mwenye nyumba ya kuishi ndio anafilisika maana haiingizi na inamgharimu pesa..

Kwa mfano, watu hawa wawili wakipoteza kazi, mmoja ana nyumba ya kupangisha mwingine hana, nani atasurvive?

Tofauti iliyopo kati ya asset na liability, When you lose your job an asset will feed you, but a liability will eat you!

Suala la elimu Kiyosaki halipingi, lakini anasema elimu ya darasani(formal education)ina mapungufu, inatoa
1)Academic education
2)Professional education
Lakini haitoi
3)Financial education.

Ninadhani yuko sahihi, wewe unaonaje Paula?
 
Thank you for this Mjuni.
Umeelezea vizuri sana na vingine nilishavisahau kanisa na kwa maelezo yako nimepata mwanga kabisa.

Nakubaliana na definition ya Asset and liability.
Ukilinganisha kujenga nyumba au kununua nyumba na kuipangisha na wewe ukapange kwa gharama zilizo chini na mapato unayoyapata kwenye nyumba uliyopangishia watu hapo ni kweli nakubaliana nayo, na asante sana kwa kuielezea kwa ufasaha. Japo ndio pia inategemea umejenga nyumba ya ukubwa gani na gharama gani.
Kumbuka tukiongelea Maisha Halisi naongelea Maisha ya Mtanzania.

Mfano maisha ya Mtanzania , mtu ambaye sio tajiri ndio anajipiga piga ili atoke kimaisha..(mchicha ulianza kama mbuyu). Unadhani hii concept itakuwa applicable kwake? Kumbuka hata kama anauwezo wa kujenga mfumo wa nyumba za kupanga, anaweza akaanza na vyumba kadhaa.. Au 'self' ndogo tuu ya wastani. Ambao itakuwa ni ngumu yeye kupata nyumba ambayo ambayo atakaa na familia yake kwa gharama chini ya ile labda ajibane sana. (Naomba neno lako hapa).

Kuna kitu najaribu kukisema hapa ila napata tabu kidogo.

Speaking kuhusu wanaofilisika wanarudi kijijini, umeniambia MTU mwenye nyumba inayomwingizia kodi kila mwezi anafilisikaje.

Ipo hivi, RE kibongo bongo ni bado ni shughuli hususani kwa watu ndio bado ni wachanga, lazima atapambana awekeze kwenye mabiashara mengine ili sasa zikiwa nyingi anunue nyumba kwa ajili ya RE. (NAKUONA UTANIAMBIA ACHUKUE MKOPO)😊Tofauti na mtu anayetaka nyumba ya kuishi hana haja ya kusubiria hela ataanza kujenga hata chumba kimoja kimoja ahamie hata kabla haijaisha ili kukwepa gharama nyingine.

Pia kumbuka mapokeo ya hiki kitabu ni tofauti ndio maana nilikuambia watu walikuwa fooled. Hawakuwekeza Kwenye RE waliwekeza kwenye biashara nyingine ambazo zikitia hasara zimetia.

Mjuni nimependaje? Umenipa hamasa ya kutamani kurudia hiki kitabu maana nilikisoma kitambo kidogo.

Kuhusu elimu ya darasani haitoi financial education sidhani kama ni kweli. Au labda mimi sielewi financial education kivipi na wakati siku hizi kuna course kama Entrepreneur and small business, kuna financial management, kuna risk management, kuna business adminstration and management.
Huko madarasani kuna kusoma vitabu vya Pandey ya Financial management. Ambayo yote anayoyazungumzia yapo kwenye hivi vitabu na darasani pia kwa watu walio opt course za Biashara na Uchumi.
Naomba mwanga kidogo hapa Mjuni.
 
Paula Paul said:
Ametuambia "flip the switch in your female brain, so you can beat men at their own game" ili tu "become the type of woman that commands respect from men".

Kuna hicho Why Men Love Bitches itabidi nikipata muda nikisome na mimi nijue mbinu zenu.
Click to expand...
Nimemwelewa sana alipose sisi wanaume we are sexual by nature and you are emotional by nature. She says a woman is a woman. You are different but inside you operate the same.

Hicho cha why men love bitches sijakisoma nippasie ukikipata.
 
Hapa sasa ndio uzi unanoga this is what need kwenye huu uzi
Cc Paula Paul
 
Paula Paul said:
Wow, hadi wewe[emoji4][emoji4][emoji4][emoji4][emoji4][emoji4][emoji4][emoji4][emoji4][emoji4]
Click to expand...

Nasoma juu ya dhana na mada za aina zote Paula. Ila pengine sababu ya kusoma vitabu vingi kwa muda mrefu nime develop in built detector for trash.
Kuna vitabu ambavyo siwezi kuviangalia mara ya pili au waandishi ambao sishughuliki nao kabisa. Hiki kitabu cha Kara King kama mlivyokijadili hapa kimeamsha udadisi wangu kwasababu hata nyumbani Tz kuna watu walishajua na kuitumia hiyo nguvu ya ‘P’ kitambo ingawa wenyewe husema “P ni mali/asset”.
Alafu kwa muda huu mfupi ambao mimi na wewe tume interact hapa JF nimekuaminia kwa usomaji wa vitabu vyenye kuchangamsha akili.
 
Paula Paul na Mjuni Lwambo
Kuna kitu sielewi mnavyoiongelea Real estate business.
Real estate ni biashara ya kununua na kuuza nyumba na sio kujenga nyumba na kuipangisha kwa ninavyojua.
Naombeni somo.
 
City owl said:
Ni kitabu kizuri sana boss. Kitafute.
Click to expand...
Tayari nimesha kisoma na nadhani nimevuna kitu na kuishia hapo niliposoma. Nimetoka na vitu kadha hapa.

Kuna sehemu Alagamish alimwambia Arkad kwamba he has Learned to seek advice from those who were competent through their own experience to give it.

Hii sentensi imenifungua sana.
 
Paula Paul said:
Sawa Nowonmai.
Unapenda vitabu vya Romance pia?
Click to expand...

Ile typical romance nimepunguza kidogo.
Uzuri wenyewe siku hizi waandishi wanachanganya dhana nyingi kwenye utunzi mpaka inafurahisha. Ndio kwanza nimemaliza kusoma sehemu ya tano ya A Song of Ice and Fire(hadithi ya series za Game of Thrones). Kuna kila dhana huko: science fiction, adventure, romance, vita, the supernatural, na nyingine nyingi tu.
Yaani nakuwa so absorbed mpaka yule mwenye ‘ power’ yake anisitue kwamba yeye ndio kipaumbele cha kwanza!
 
Ili tuende vizuri inabidi tujadili jambo moja kabla ya jingine,

Naomba nianzie suala la elimu,

Mifumo ya elimu kote duniani ipo kwa ajili ya kutengeneza wafanyakazi(labour force), Lengo la elimu ya darasani ni kukufanya wewe uwe mtumish(mtumwa?).


Na kwa maana hiyo ni vigumu sana kujiajiri, hata kama umesoma biashara(bussness) au ujasiliamali(entrepreneurship), nitaelezea ni kwa nini...

Mitaala ya elimu iko facilitated na matajiri wakubwa(tycoons) ili kupata wafanyakazi kwenye viwanda na makampuni yao, hivyo, elimu hiyo haina dhamira ya kukufundisha wewe kuhusu pesa. Kwani ukijua kuhusu pesa utakuwa tajiri na hautakubali kuajiriwa tena, hivyo watakosa mfanyakazi.

Ukisoma kuhusu Bussness Adminstration, unasoma kuhusu KUSIMAMIA PESA TU.

Ukisoma kuhusu FINANCE, unafundishwa mambo yahusuyo, HISTORY OF FINANCE, TYPES OF FINANCE, utasoma hadi FOREX ya ONTARIO.

Money management jina linajielezea, ni kumanage pesa tu, hakuna la ziada...

Fani zote tajwa hapo zinakufundisha wewe kwa namna moja ama nyingine kusimamia pesa katika kampuni ya mtu and it rarely teaches you how to start your own company na Hufundishwi kabisa kitu cha muhimu kabisa, HOW TO MAKE MONEY/HOW TO MAKE MONEY MULTIPLY, kitu ambacho ni muhimu kabisa ili kutajirika..

Naomba niazime maneno toka kwenye The richest man in babylon, "I decided that i have to learn the principles on how to accumulate wealthy, make it my duty and do it well.." huyo ni Arkad aliyeamua hivyo, and that is the key,

Cha kusikitisha, hata usome finance au biashara, you are never taught, how to accumulate wealthy!

Unafundishwa kusimamia wealthy ambayo iko accumulated!
 
mzee toboa said:
Paula Paul na Mjuni Lwambo
Kuna kitu sielewi mnavyoiongelea Real estate business.
Real estate ni biashara ya kununua na kuuza nyumba na sio kujenga nyumba na kuipangisha kwa ninavyojua.
Naombeni somo.
Click to expand...
Conventionally, wengi wanajua hivyo, na wengine hadi madalali tu wanasema ni real estate bussness, real estate inarange hadi kwenye mashamba na viwanja, na kama una nunua ili kuuza wewe ni mlanguzi, you are not investing!
 
Wakuu Mujuni Lwambo na Paula Paul shukrani nyingi kwa analysis yenu ya Rich Dad, Poor Dad.
Kwa maoni yangu Kiyosaki yuko sahihi kwenye concepts za assets na liabilities, uwekezaji kwenye RE lakini hasa kwenye umuhimu wa kila mtu kuwa na financial literacy. Mahali ambapo natofautiana naye ni pale anapoiponda sana formal education. Ni ukweli ulioko wazi kabisa na tafiti nyingi zinasapoti kuwa kwa wastani, watu waliopitia shuleni wana kipato kikubwa zaidi kuliko wale ambao hawajasoma. Naona kama hii nadharia yake (ya kukandia shule)ina apply kwa watu wachache sana mf. kina Bakhresa etc. huko kwetu. Alafu hata hivyo, kwa kila billionaire mmoja si kuna wasaidizi wengi tu walioenda shule kisawasawa na wanaolipwa vizuri sana ambao ni mameneja na technicians wa hao mabilionea,? Hebu nisaidieni kwenye hilo maana baada ya kusoma Rich Dad, Poor Dad vijana wengi wanataka kuwa Kalumekenge!
 
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