Maneno ya Robert Kiyosaki kwako mjasiriamali wa Tanzania!

TANMO said:
Wakuu Mzuvendi na VoiceOfReason: nimependa mtiririko wenu wa majadiliano. Nimejifunza kitu kwa kweli kwenye majadiliano hayo.
Thanks Guys.....
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TANMO,

You are welcome to join. This is the only place where differencies in religion, nationality, race or political creed do not play significant role.
 

Basically we are talking the same issue but we are looking it from different angles. First of all what I mean with Talent (Kipaji) An exceptional natural ability to do something. (e.g. we can all learn to play football, probably through hard work I can even become as good as Peter Crouch or Jermaine Defoe....., But am sure no matter how hard I try I can never be has good as Messi... Because the boy has got Talent).

Now in business there are people who have vision, they see problems they turn it into solutions, like they might see scarcity of water and they build a well and start selling water; or they might plant trees in order to sell it after few years to come. Now our main argument is you dont have to have natural ability or exceptional skills to become rich. Anyone and I mean anyone with the right attitude can change their living ways and boost up their income, ofcourse we dont have to listen to a word from Kiyosaki to become rich, but so long as what Kiyosaki is saying is true and he is not advocating getting rich quick schemes, making money from what he is saying does not make what he is saying to be false.

Now in America of course you can not become rich easily..... Its very hard bacause the country has matured as a Capitalist Country, Competition is Stiff, Most Business are saturated and there are big guns... Big supermarkets (walmart etc) so in this case people can use other means like buying shares and playing the stock market, or use their creativity to come with something new or find some niche market (in simple terms in America is like in every field there are Tigos, Vodacom, and Celtels).

Now in Tanzania there is no excuse because competition is not stiff yet; even if you can not get money there are means of raising funds like through your relatives, friends and saccos.

Also about your point Asians and Arabs were successfully because they new where to get products, there is some truth in that but even in those times all of us did not need to sell exotic things, we could even have sold natural things like crops e.t.c just buying from point A and sell to point B, Buying Wholesale and selling retail.

The bottom line getting and staying rich is a way of life.... Its how we treat and value money... and since most of us have got bad habits when it comes to money, and its very hard to change ones habits, thats why most of us can not make it.
 
Zakumi said:
Hizo formula zinafaa kwake sio kwa wanunuzi wa kitabu chake. Watu walifanya utafiti kuhusu hao baba zake na wakakuta patupu. Walipomuuliza akajibu Is Harry Porter real?
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ww hao bb anaosema mmoja ni dingi yake aliyemtumia kama poor dady coz alikuwa na elimu ila alishindwa kuitumia kuwa tajiri na mwingine ni dingi wa rafiki yake ambaye alikuwa na pesa japo hakuwa amekwenda shule.soma vizuri uelewe
 
The Biggest IQ said:
ww hao bb anaosema mmoja ni dingi yake aliyemtumia kama poor dady coz alikuwa na elimu ila alishindwa kuitumia kuwa tajiri na mwingine ni dingi wa rafiki yake ambaye alikuwa na pesa japo hakuwa amekwenda shule.soma vizuri uelewe
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TBIQ:

Kuna watu wamekwenda kutafuta records za hao dingi zake wawili. They don't exist.
 
Zakumi said:
TBIQ:
Kuna watu wamekwenda kutafuta records za hao dingi zake wawili. They don't exist.
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Na hao watu walifanya hivyo tu, ili wawe critical na wenyewe wamake some quick bucks....... Dunia hii kila mtu is looking for Numero Uno
 
that is y I alwayz appreciate Jf_mim cjasoma kabisa biashara, nimesoma technical school_pamoja na kuajiriwa, lakin pia nimejikita kwenye ujasiliamali ktk low level_mwaka jana nilishawishika kufungua kampuni(limited) ambapo viosk vyangu nilihamishia kwny kampuni na tayari ninae Accountant_among objectives za kampuni ni kukoboa na kusaga na kusindika nafaka(mainly mchele na unga)_hiv sasa nipo kwenye ujenz wa godown, M/mungu akipenda iliwe_ku_install 4machines_naweza kumalizia ujenz kwa fedha yangu mwenyewe lakin 4machines worth of 30m ndo cna fweza_nina dhamana ya nyumba ambayo ndo ninaish worth of 50_60m LAkin ndg zangu hapa nchin kwetu kuna Bureaucracy ya hatari_nashindwa kabisa kupata mkopo, wakati fulan nimeenda Nbc ambako ki ukwel mzunguko wangu c mzur kutokana na mtaji kuwa mdogo_wakanikatalia mkopo_naomben ushaur wataalam kwan mpaka sasa sijaona faida ya kampuni tofaut na kuongezeka kodi as compared to when I waz operating locally_nisaidien wana Jf
 

Yes, we are talking the same issue from different perspectives. Does it matter? Yes, it matters. For many years, we rush to invest in many expensive projects because our intellectual understanding has prompted us to do so, but by the end of the day we produce nothing. For example, Ujamaa policies were intellectually doable. Nevertheless, they weren't easy to implement and follow. Perhaps, instead of doing what our brains have told us to do, we should have open discussions and elicit diverse view points.

Now with regard to the book, I don't want people to regard this book as a panacea to their financial woes. But I agree that it's a good book which falls under the category of placebo medicine. For example, in my household, we have two copies of the book. However, the financial well being of individuals who bought the book today is worse than it was five or ten years ago. And whenever I instigate a discussion about the usefulness of the book, the owners come well armed to defend the book. They think to be financially independent requires you to be rich and own your own business.

In the US, more than a half of start-up businesses cease to exist within the first two years. One might argue that to start a successful business in the US is harder than in Tanzania because there are a lot of competitions. However, competition and monopoly are not the only factors that hinder new or any business ventures. Other factors that are equally important are absence of risk management, unsound business model, corruption, taxation, electric power failure etc.

If you take all factors mentioned above into consideration, you might find that running a legitimate business enterprise in Tanzania is not an easy feet. Many Tanzanians don't want to pay taxes. Corruption is rampant. The frequency of electric power outage is higher than expected normal. Therefore, anybody who tells me that doing business in Tanzania is easier than in the US, I regard him as a dreamer and unrealistic individual.

In you early posts, you mentioned doing business in Tanzania is something wealth to explore. My question is if you have business there, are you planning to follow the rule of laws?
 
VoiceOfReason said:
Na hao watu walifanya hivyo tu, ili wawe critical na wenyewe wamake some quick bucks....... Dunia hii kila mtu is looking for Numero Uno
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Lol,

Yes there is a truth about being Numero Uno. However, people are doing their homework out there. There is a book, I forget the author and the title, in which the author explains how s(he) survived the holocaust. It's a very moving book which sold many copies. However, two years ago it was discovered that it was a hoax.
 

Umekwenda benki hili u-raise capital. Lakini kuna njia nyingi za ku-raise capital bila kupitia benki. Moja wapo ni kuingia ubia. Ustake kumilikia 100%.

Vilevile unaweza kubana matumizi. Tanzania sasa hivi ni fashion kuwa na gari lako mwenyewe. La mke na la kupeleka watoto shule. Unaweza kuyauza yote na kupunguza expenses.
 
Mzuvendi said:
than a half of start-up businesses cease to exist within the first two years. ?
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You know am not advocating to start a business in a sense of starting your own registered company, just for the sake of it. What we look for are advantages like if in America and your income is high then defenetly there is a need of starting a Corporation due to tax benefits.

Now am a great believer in Low Overheads, and to me if you dont have big tenders and all that, you dont even need a company just a license will do. Lets take a leaf from our neighbours from Uganda, even when it comes to renting an office they share office space about 5 to ten of them just to decrease overheads. Now there still this was my point earlier about spending more than you earn and not cutting costs (someone starts a business rents an expensive office, buys expensive cars machines etc) Just for the sake of people seeing him that he has a business, people forget that you need to walk before you can run (even Microsoft and Apple started from a Garage), I know a chap in Dar is doing very well in business (clearing and forwading) and all he has is his vehicle and his mobile phones for contact.

Now I suggest to everyone every book no matter who the author is must not be taken as be all end all, you just get some good points from everybook, and there is no magic pill / holy grail in life, someone just tells you the good ways to follow and its up to you to walk the walk. As they say "Business is like a Wheel Barrow, It Stands Still Unless Someone Pushes It"

Also am still of the opinion anyone in the right frame of mind and good money habits can make it in the world of business, and being rich is not a destination its a journey and a long journey which need step by step to complete
 
From my personal experience i will give 5 points for Budding Businesspeople.

1. IDENTIFY YOUR PASSION
2. DO YOUR RESEARCH
3. HOLD OFF ON EXPANSION
4. SET FIXED GOALS
5. HAVE AN EXIT STRATEGY
 
Bootstrapping is a great idea of raising capital when you are starting a business, reducing cost of overheads is one prime example, also hiring/leasing tools of trade instead of owning can be advantage and save you a lot of money while you are trying to stand on your feet.
This woman here bootstrapping,funding,startups suggests very useful tips.
 
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