Kuwa Makini sana

The rich buy assets
The poor only have expenses
The middle class buys liabilities they think are assets.

source: rich daddy poor daddy litreture.

Sina hakika sana kama wengi tunaangalia nini ni asset na nini liability ktk maisha yetu ya ujasiriamali. Ni ngumu sana kuelezea hili,ila kama unataka kuwa mjasiriamali mzuri ni vema ukajua nini ni asset na nini ni liability.

Hii ndiyo sababu kubwa ya small businesses nyingi ku-fail, wajasiriamali wetu wengi wanakosa business management skills na hawataki kupata ushauri. Ni vigumu sana biashara ndogo kukua katika mazingira ya namna hii.

Safi sana kwa hii post. According to Rich Dad, Poor Dad, mjasiriamali anahitaji kuwa financially intelligent. Basic foundation ya hiyo financial intelligence inatengenezwa na vitu 4 vifuatavyo:

1. Financial literacy - the ability to read numbers
2. Investment strategy - the science of money making money
3. The market - supply & demand
4. The law - The awareness of accounting, corporate, state and national rules and regulations

Exav said:

Safi sana kwa hii post. According to Rich Dad, Poor Dad, mjasiriamali anahitaji kuwa financially intelligent. Basic foundation ya hiyo financial intelligence inatengenezwa na vitu 4 vifuatavyo:

1. Financial literacy - the ability to read numbers
2. Investment strategy - the science of money making money
3. The market - supply & demand
4. The law - The awareness of accounting, corporate, state and national rules and regulations

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Nilipojitazama mimi kama mjasiriamali niligundua mapungufu mengi,natamani kufikia hatua ya hapo pekundu kama rich dad anavyosema.

Malila said:

Nilipojitazama mimi kama mjasiriamali niligundua mapungufu mengi,natamani kufikia hatua ya hapo pekundu kama rich dad anavyosema.

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Mkuu Malila, nakupongeza sana kwa hatua uliyofikia. Mimi siyo mjasiriamali, lakini baada ya kusoma kile kitabu (Rich Dad, Poor Dad) nilitamani sana kuwa mjasiriamali na nimeshaanza polepole kujifunza hivi vitu na kuviweka katika matendo. Kwa kuwa wewe tayari ni mjasiriamali, pata hicho kitabu ukisome chote (kina kurasa 267 tu), naamini utapata mengi ya kukusaidia katika ujasiriamali wako. Kama umeshakisoma, kirudie - assuredly utajengeka.

Nakutakia mafanikio tele!

malila said:

nilipojitazama mimi kama mjasiriamali niligundua mapungufu mengi,natamani kufikia hatua ya hapo pekundu kama rich dad anavyosema.

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hiyo ni kweli kabisa wakuu; pia tukichungulia kidogo na rich dad guide to investing, jamaa anakwambia if u cant read numbers u cant tell whats happening in bizness,jamaa anamaanisha tujue pia na cash flow; niliwahi kuajiriwa kama loan officer kwenye bank moja ya micro finance, nikashuhudia wanaojiita wajasiria mali wasio financially literate, hawajui cash flow,profit - loss,record keeping,re-investing,net - gross margin wanavyotaabika na mabizness yao kufilia mbali. Katika rich dad guide to investing anakwambia " cash flow to bizness is as blood to human being"

STREET SMART said:

hiyo ni kweli kabisa wakuu; pia tukichungulia kidogo na rich dad guide to investing, jamaa anakwambia if u cant read numbers u cant tell whats happening in bizness,jamaa anamaanisha tujue pia na cash flow; niliwahi kuajiriwa kama loan officer kwenye bank moja ya micro finance, nikashuhudia wanaojiita wajasiria mali wasio financially literate, hawajui cash flow,profit - loss,record keeping,re-investing,net - gross margin wanavyotaabika na mabizness yao kufilia mbali. Katika rich dad guide to investing anakwambia " cash flow to bizness is as blood to human being"

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Shukeni shule hapa jamani kwa faida yetu hapa JF

kwwa wale ambao hawajaona kitabu hiki nimeattach huenda kikafumbua macho ya wengi ambao wangependa kuwa wajasiriamaliView attachment ThinkAndGrowRich.zip

Malila said:

The rich buy assets
The poor only have expenses
The middle class buys liabilities they think are assets.

source: rich daddy poor daddy litreture.

Sina hakika sana kama wengi tunaangalia nini ni asset na nini liability ktk maisha yetu ya ujasiriamali. Ni ngumu sana kuelezea hili,ila kama unataka kuwa mjasiriamali mzuri ni vema ukajua nini ni asset na nini ni liability.

Click to expand...

point kubwa kaka, mfano mtu anaenda benki anakopa mishahara yake ya miezi 12 then ananunua gari - gari ni liability lakini yeye anaona ni asset. Matokeo yake anakatwa kodi ya mkopo na pia gari lake linahitaji mafuta, services etc..
Baada ya miaka 3 anapomaliza mkopo benki, gari limechoka na yeye mwenyewe keshakuwa liability.

Kama umeanzisha kitu na kina generate income let say 60k per day, ukienda benki kopa pesa then make that thing to produce more profit.

http://www.middleastpost.com/uploads/(eBook%20Self%20Improvement)%20Robert%20T.%20Kiyosaki%20-%20Rich%20Dad,%20Poor%20Dad.pdf

Nimewapostia wadau wanaotaka kupata hii kitu kwenye PDF.. Ahlan Wasaalan

Exav said:

Mkuu Malila, nakupongeza sana kwa hatua uliyofikia. Mimi siyo mjasiriamali, lakini baada ya kusoma kile kitabu (Rich Dad, Poor Dad) nilitamani sana kuwa mjasiriamali na nimeshaanza polepole kujifunza hivi vitu na kuviweka katika matendo. Kwa kuwa wewe tayari ni mjasiriamali, pata hicho kitabu ukisome chote (kina kurasa 267 tu), naamini utapata mengi ya kukusaidia katika ujasiriamali wako. Kama umeshakisoma, kirudie - assuredly utajengeka.

Nakutakia mafanikio tele!

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Mkuu nimeanza kukisoma,kwa sasa ni miongoni mwa vitabu vilivyo mbavuni mwangu kila niendako. Kupitia hicho kitabu kuna mambo nilikuwa sahihi na mengine nayafanyia polishing.

AmaniGK said:

http://www.middleastpost.com/uploads/(eBook%20Self%20Improvement)%20Robert%20T.%20Kiyosaki%20-%20Rich%20Dad,%20Poor%20Dad.pdf

Nimewapostia wadau wanaotaka kupata hii kitu kwenye PDF.. Ahlan Wasaalan

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Mkuu asante sana,tusaidiane

ELNIN0 said:

point kubwa kaka, mfano mtu anaenda benki anakopa mishahara yake ya miezi 12 then ananunua gari - gari ni liability lakini yeye anaona ni asset. Matokeo yake anakatwa kodi ya mkopo na pia gari lake linahitaji mafuta, services etc..
Baada ya miaka 3 anapomaliza mkopo benki, gari limechoka na yeye mwenyewe keshakuwa liability.

Kama umeanzisha kitu na kina generate income let say 60k per day, ukienda benki kopa pesa then make that thing to produce more profit.

Click to expand...

Ndivyo ilivyo huko uswahilini kwetu,Mungu apishie mbali. Tusaidiane ili tusifikie hapo pekundu.

Ni kweli elimu ya Ujasiriamali na utafutaji bado kabisa hapa kwetu, mtu anakopa ili aongeze mke wa pili balance ndo anafanyia biashara aloombea mkopo, tutafika? Watu wanahitaji elimu zaidi kuliko pesa. Sisi tunatakiwa tutumikiwe na pesa na sio pesa itutumikishe sisi kama alivyo narrate rich/poor daddy.