OK,nimekuelewa vzuri,nafatilia pia kuna mdau alileta hiki kitu kimo humu jf cha UTT nafatilia pia,ahsante sna ndgBetter SACCOS nzuri, UTT AMISS au Treasury bills au bond za muda mfupi.
Au kwa urahisi zaidi fixed deposits.
Kwanza uko mkoa gani?OK,nimekuelewa vzuri,nafatilia pia kuna mdau alileta hiki kitu kimo humu jf cha UTT nafatilia pia,ahsante sna ndg
PutinUkitaka biashara ya chap tafuta nyingine ila biashara ya nyumba ina ela ila ya slow na ukijenga umejenga na faida yake ni non stop
Ahsante ndg,nimetoka uko wiki mbili zilizo pita nina kajishamba kangu ka Miti,kijiji cha Lucas nimejionea wakulima wa parachichi wanavyo angaika,wanunuz wanakuwa na yale matrey yao wana soti yale mazuri alafu wana nunua kwa bei ya maumivu sasa wanakuachia yale madogo wanakuumizia hapo unajikuta unauza mzigo mkubwa kwa bei ndogo.unawaza ata ukibaki nayo yatakuozea tu unaamua kuuza kwa gharama ndogo.alafu wao wanunuz wanaenda ku grade kwa size kule kiwandani wanapiga hela tu.Nenda njombe mkuu, kwa hiyo hela kilimo cha parachichi, unaweza nunua kijiji kizima.
Kwa sasa nipo mbeyaKwanza uko mkoa gani?
Nadhani hiyo ni Kodi ya mwakaYan mil 330 ujenge nyumba 11 af upangishe kwa mil2.5
Labda vibanda, kujenga ni gharama sana
Ndio mana Jenga nyumba utapumzika mkuu, pia Tenga Kama 10M uwe unawasagia wanakuachia senetihii kazi ninayo fanya unatumia msuli sna na pia mda uliotumika ni wa jasho na damu.kwa sasa mataka nipumzike ktk style ya utaftaj nibadili.ndo maana yakurudi hapa chanzo cha madini mengi.kuna watu watanielewa kazi za uchimbaj ni ngumu sna na kilicho nifanya nibadili aina ya kazi nikuona wengi wanapata 800m,500m,150m sasa baada ya muda unakuta hawapo tena ktk ramani.inabaki historia tu sasa niliona nahitaj badiliko.
Nakushauri usinunue nyumba liliyoko tayari sababu huwezi jua ujenzi wake ni WA ubira kiasi gani unaweza Lia.Wenye uzoefu mnisaidie msinichoke mmi mafanikio yametokana na familia hii ya jf.mwenye kufahamu ABC za kununua nyumba alafu unaikarabati unaiuza.changamoto zikoje wenye uzoefu au wamesha ona ahsante.
Umeharibu uzi kwa kuweka ccm upuuzi,Mkuu mie nakushauri usirudi nyuma narudia Tena usirudi nyuma narudia Tena usirudi nyuma kwa sababu zifuatazo:
1-risk Ni ndogo
2- hakuna kushuka thamani ya bidhaa yako i.e Iyo nyumba ukisema uje kuuza after 10yrs utaweza uza like 600M.
3- both mental and financial capital ziko salama mno hakuna usumbufu na watu ama wafanyakazi otherwise like ukinunua coaster ama hiace ama bizness ingine.
4- unaweza ukazichukulia mkopo wa kujenge zingine tano Sasa ukawa na nyumba 15 so zote hizo 15 zikawa zinatumika kulipa mkopo. You've to leverage with others money, time, and all resources ili usonge mbele.
Sasa unazo 15 kwa 3m kwa mwaka unazo 45M Kama umechukua mkopo wa 160M utaulipwa nadhani ndani ya 5yrs umemaliza mkopo wao mkuu.
Baada ya hapo unachukua Tena mkopo wa nyumba 10 ambao Ni 350M unajenga zingine 10 jumla una nyumba 25 so kwa mwaka 75 Ni ndani ya miaka mitano unamaliza mkopo wao, yaani unaendelea ivyo ivyo mkuu kikubwa discipline ndio kila kitu. Fungua akaunti kwa ajili ya huo mradi yaani hela ya Kodi ya nyumba usiishike ikiwekwa huko benki wanachukua Chao ama ufungue loji uweke CCTV kamera uwe unazifuatilia japo zinahitaji close monitoring.
5- hakuna Cha economic crisis i.e inflation kwako ujue.
6- urithi mzuri kwa kizazi chako kwa baadaye na unaweza ukawa na real estate business ya uhakika baadaye ukaifnaya ikawa ama ukaisajili na abnb kwa ajili ya kupata wateja wa nje.
Naomba usirudi nyumba. Wekeza kwa basic needs za binadamu like houses aka shelter ,foods iwe isiwe lazima watu watakula ama watalala hakuna ku spare hizo basics.
Yangu Ni hayo mkuu.
Waza for 30 yrs to come utakuwa mbali mno yaani Ile uko like 60/70s wenzako wanakutamania mno yaani mno.
Yaani utashangaa unakuwa na jina na unapewa uenyekiti ccm mkoa ama wilaya Mara mbunge,kumbuka like attracts likes.
Hapo ndipo utachukua mkopo wa bilioni plus na kushusha vitu vyako kila mji mkubwa hapa tz.
Nakuombea uendelee ivyo ivyo yaani uwe litajiri ili utoe ugali kwa vijana wengi mno mtaani.
Vijana wangekuwa waaaminifu ningekuambia agiza boda zako like 150, halafu wape vijana kila boda now mktaba halafu usiwe na tamaa wewe waambie kuwa unahitaji profit ya laki sita kila boda hizi unaagiza direct from China. So kwa hizo boda zako 150*.6 unazo 90M kwa mwaka ukifanya like 10 yrs you're untouchable sema Sasa sie wazembe tunapenda kula asali pasipo kung'atwa na nyuki ujue.
Ama tunawaza kuiba ,na ndio Mana afrika matajiri Ni wachache ambao sio politicians or sio wezi ama wa magendo
The person with the negative attitude thinks “I CAN’T.”Umeharibu uzi kwa kuweka ccm upuuzi,
UpuuziThe person with the negative attitude thinks “I CAN’T.”
The person with the positive attitude thinks “I CAN.”
The person with the negative attitude dwells on problems.
The person with the positive attitude concentrates on
solutions.
The person with the negative attitude finds fault with
others.
The person with the positive attitude looks for the good
in others.
The person with the negative attitude focuses on what’s
missing.
The person with the positive attitude counts his or her
blessings.
The person with the negative attitude sees limitations.
The person with the positive attitude sees possibilities.
I could go on and on with examples, but I’m sure you
get the idea. When I talk to audiences about attitude, I
often like to use word pictures. They help people to understand and remember what I said. Let me paint this picture
for you: Your attitude is your window to the world.
Everyone Starts With A Clean Mental
Window.
So kwa uko sahihi mkuu kulingana na huyu hapa jamaa mie sijakukatalia so keep going on or keep it up with. Since attitude is everything.
Aisee kweli una matatizo sio bure....,Hivi Unajisikia Unachoandika Rudi kasome vitabu Vya Robert Kiyosaki Tena Umeandika Madudu
Hawawezi kukuelewa wanadhani ukishajenga ni kupokea Kodi tu.Kama ni real estate business.. hiyo return ya kama 8 to 9% kwa mwaka ni sawa kabisa..
Faida yake kubwa utaiona kwenye capital gain endapo value ya hizo nyumba ikipanda thamani..
Na faida nyingine ni kwamba kama una biashara nyingine hizo utazitumia kama collateral ya kupata mkopo.
So unaweza kutumia hiyo 330 million ila ukifanya valuation hapo unaweza kushangaa unapata hata mkopo wa milioni 500 then unai leverage kwenye uwekezaji mngine..
Ndo wealth creation inavofanya kazi hivo..
Sasa yeye na wewe anayeandika madudu si wewe?Achana na kiswangilishi Jaribu kuongea Lugha Moja Inayoeleweka kama Ni English tupu Ama kiswahili Madudu Unayoandika Yanatia Uvivu Atakuyasoma Kiufupi Sijasoma Ulichoandika Mangi Ni Upuuzi