Wa Tz Tutakufa Maskini Kwa Kimbilia Kuchimbia Pesa (Kujenga) Badala ya Kuizungusha Izae Zaidi

[businezz_oligarch]

tell him to show his tax profile if at all it is clean money, he might have done so simply because is working with the oligarchy which has hijacked the tanzania music industry, out of this oligarchy Ruge is a street hawker. His fortune is accidental like that of Adolf Hitler and the Mercedes Benz, when hitler survived a motorcade with a mercedes benz and ordered the car to adopted by the government, without that accident mercedes benz could have died long.

Ukibebwa ubebeke,lasivyo itakula kwako.....

 

[stata mzuka]

Hapa ndo nimeanzisha MKURABITA humu JF,we fatilia tu series za post zangu jukwaa hili, nitakuletea Mambo Mazito ya Watz walioanzia 0, step by step na kufikia u billionea. Logical facts! Hakuna ndumba wala magendo. Stay tuned. Lazima tutokomeze umasikini! Tunaanza kutokomeza wa Fikra kwanza.

Upo Right kabisa Lara1,,,kujenga kupo tu just imagine unajenga nyumba miaka 3 na hiyo hela ungeendelea kuizungusha je? Wakati ukiwa na hela nyumba unaijenga miezi 2-3.

 

[AshaDii]

lara 1 umeongea mambo ya msingi sana, personally kuna kitu nimepata from your post. Asante.

 

[grafani11]

Umeongea kitu cha maana sana ni kama vile ulikuwepo kwenye msuguano mkali na mke wangu miaka saba iliyopita, tulikuwa na milioni kumi mkononi huku hata kibanda hatukuwa nacho ila kiwanja kilikuwepo.

Wife akataka tuanze ujenzi mara moja, nikamwambia tuwekeze kwenye uzalishaji/biashara kwanza ili zizae maana hiyo 10M inaweza kuishia kwenye rinta tu. Baada ya msuguano wa muda mrefu nikashinda.

Baada ya miaka 3 tu tukahamia kwetu na faida endelevu mpaka leo.

 

[lara 1]

topic nzuri lakini binadamu wote tunaweza ona mto wa maji wengine wataoga wengine watakunywa wengine watatengeneza maji ya azam wauze .......nyumba ni mradi nao kama we unavyoona uchuuzi ni mradi .....faida /return zinatofautiana ........ukinunua kiwanja tegeta cha mil 20 na kujenga nyumba ya mil 50 valuation yake inaweza kuwa hata mil 150 ....utakapomaliza tu sawa hii inawezekana sio hela kwa sababu ni ripoti tuu ka we unavyosema ila ukienda kwenye vyombo vya fedha ni rahisi kuvuta mkopo wa mil 120 na zaidi kwa nyumba hii ......ukisubiri miaka 5 unaweza kopa zaidi kwa sababu valuation ya nyumba ni zaidi na kufanya hiyo miradi ......ila kingine tu ukumbuke valuation ya utajiri wa mtu sio faida anayopata .....kuna tofauti kati ya profit na how wealth you are....! kwa hiyo inategemea we malengo yako ni nini ....ya muda mrefu ....unaposema mtu mwenye nyumba 2 pengine zina worth mil 400 amekufa masikini mi sijakuelewa .....au mpaka awe na mil 400 kwenye account ? ila topic nzuri sana kuna mengi na mimi nimejifunza !

Issue ni kuwa mtu sawa ana nyumba 2, moja anaishi na ingine ndo anategemea kodi. Standard yake ya maisha bado iko chini sanaaa. Mind you huo ujenzi aliishi kwa kujibana na kuwabana familia yake.

I dont know, mimi bwana falsafa yangu maisha ni mafupi , i have to make the most of it while i can. So nitakusanya hela balaaa so as nienjoy mimi na familia yangu, holiday Dubai na nini. Nikijenga ni out of profits sio kwa saving. Lazima niwe na investments za kutosha na liquidity ya hali ya juu ili kufacilitate living large(Transactions motives) Ila sio kujibanaaaa kuishi at the edge kila skiu na kuja kuzeeka na nyumba 2. Ukifa watu watoane roho kugombea wakati wewe marehemu umetoka jasho la damu kumake that happen.

HAKUNA ALIEZALIWA NA PESA! WOTE TUMEZIKUTA HAPA HAPA DUNIANI. KUPATA WEWE NI USHAHIDI TOSHA KUWA HATA MIMI NIKIAMUA NAPATA PIA!

 

[lara 1]

Haukufikiria hiyo nyumba ambayo thamani yake imeappreciate ndio imekuwa mkombozi? Mdingi asingezika pesa hiyo, hiyo capital ingeoatikana kirahisi?

Si wote wenye uwezo au muda na guts za kufanya biashara wakingali waajiriwa. So kuzika mil. 2 ndio investment au saving if you may. Kuna rafiki yangu ambaye alijenga huku na mjini, kamaliza kazi kauza nyumba ya huku karudi mjini na mtaji wa 80m.

Dingi alikuwa anaona hio nyumba ni bonge ya utajiri na keshafika. Jamii yote tulikuwa tumeganda mawazo kwa kuona nyumba si kitu cha kuuza blah! blah!

Laiti dogo angesema jamni mi nauza hili banda, Wallah! ningeshiriki kumsomea Itikaf. Haiwezekani atake kuuza urithi wa maana. Hii ni ushahidi tosha jamii tulikuwa tumeganda kimawazo

Baada ya kumake shit happen wote tumekubali alicheza kama pele. So mda mwengine unaweza kuwa na nyumba ila ndo umasikini wako.

 

[Makirita Amani]

Mada nzuri sana hii na kila mtu ana la kujifunza iwe anakubaliana ama anatofautiana na mtoa mada.

 

[The Monk]

Sasa utajuaje uhalisia wa biashara bila kuijaribu???????? Raha ya ngoma uingie ucheze. WOGA WAKO UMASIKINI WAKO!!!!!!!!!

Naunga mkono thread kwa upande wa kutumia kile tunachokipata wisely japo bado naamini kuwa na nyumba/ makazi ni hatua muhimu sana kwenye harakati za kujikwamua kiuchumi. Sio lazima tufuate kila kitu anachosema lara 1 ila naamini kidogokidogo huu uzi utafungua kwa kiasi kikubwa sana jinsi tunavyo tumia rasilimali zetu.

Na ndio maana utajiri na shule havikai pamoja! Mkuu Young Tanzanian, tuwe wa kweli, wafanyakazi wengi tulioajiriwa tumefungwa sana na mambo ya kutaka ku apply mambo ya shule kwenye real life, ndo maana mara zote tunakuwa waoga sana, na kwa sababu hiyo wenye pesa wengi wana shule ndogo sana.

 

[The Monk]

Issue ni kuwa mtu sawa ana nyumba 2, moja anaishi na ingine ndo anategemea kodi. Standard yake ya maisha bado iko chini sanaaa. Mind you huo ujenzi aliishi kwa kujibana na kuwabana familia yake.

I dont know, mimi bwana falsafa yangu maisha ni mafupi , i have to make the most of it while i can. So nitakusanya hela balaaa so as nienjoy mimi na familia yangu, holiday Dubai na nini. Nikijenga ni out of profits sio kwa saving. Lazima niwe na investments za kutosha na liquidity ya hali ya juu ili kufacilitate living large(Transactions motives) Ila sio kujibanaaaa kuishi at the edge kila skiu na kuja kuzeeka na nyumba 2. Ukifa watu watoane roho kugombea wakati wewe marehemu umetoka jasho la damu kumake that happen.

HAKUNA ALIEZALIWA NA PESA! WOTE TUMEZIKUTA HAPA HAPA DUNIANI. KUPATA WEWE NI USHAHIDI TOSHA KUWA HATA MIMI NIKIAMUA NAPATA PIA!

Nadhani nimeanza kukupata, unaweza toa mfano wa hizo investiment za kutosha kwenye red?

Be blessed.

 

[ngoshas]

Ukitaka raha ya JF njoo huku mambo ya uchumi.
ulichokisema Ni sahihi, ushahidi mkubwa majumba mengi ambayo hayajakamilika kwa miaka Mingi. Mtu alipata kinafasi Tu kaanzisha jumba, kesho amekikosa jumba linasimama sbb hana kianzio kingine cha hela, km angefungua biashara Ni hakika mjengo ucngesimama. Mindset ndo ttzo. Uzuri WA nchi zinazoendelea opportunities zipo nyingi za kuinvest, tofauti na huko kwa wazungu

 

[Ulukolokwitanga]

IGWEEEEEEEEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Watanzania wengi haswaaa vijana wa sasa na vijana wa zamani wengi watakufa maskini ama kuzeeka maskini kwa kuendekeza Ucommunist na sera za kizamani za utajiri ni kumiliki nyumba na gari.

Sikatai nyumba ni a very valuable asset, na ina appreciate in value with time lakini this is not necessarily the case always. Appreciation na returns za hio nyumba zinaweza zisiwe reasonable enough kujustfy wewe kufkia 40Mills au 30Mills leo hii. Hio initial investment inaweza kuchukua hata 20yrs kujirudisha tu bila kujilipa. Imagine hio 40Mills ungewekeza kwenye opportunity zingine zenye large returns, na kuhakikisha unachukua calculated risk in 20yrs si unweza kujikuta una 400Mills na mijumba ya kumwaga!

Sio kwamba wa tz wengi hatushiki mbesa, no! tunashika sanaaa sema priority ndo zinatuangusha haswaa waajiriwa wa white collar jobs. Ile breakthrough ya msomi kutoka maisha ya kawaida na kuwa mwekezaji anae ajiri watu asilimia kubwa hawaifikiii. Mtu akishika tupesa tudogo anakimbilia kutuzika mashambani huko!

Vijana wenzangu unashika tu 10mills unawahi kutuzika Mbagara kiburugwa sijui huko au Mbezi maramba mangapi sijui. Unaongezea kuzika mamilioni hadi yafike hata 50 in 4 yrs hadi umalize jumba hilo. Kisha kodi unapoke 100,000/= in 10 to 20 years haiendi mbali na hapo. Watu waliojenga Tabata in 1990's nyumba mpaka leo Tbt ni 200,000 kwa mwezi?????

Tubadilike tuwe capitalistic. Ukishika 10m ujipange izungushe ushike 50m. It all about opportunity and risk taking this is the only key kuwa billionea. Ruge keshasema fursa ziko nyingi mnoooo! Tabia ya kuzika tuiache. Nyumba ziko kibao Sinza, Masaki, Obay, Knyma kwanini uende porini? Hio 10Mills izungushe hadi ifike 300Mills ununue nyumba ya uhakika Kinondoni. This is the bigger picture!

Thanks you all!

Daah, wewe dada una akili sana, kichwa yako iko vizuri sana. Keep it up kama una practice haya uliyoyasema.

 

[King Kong III]

MAISHA YAKO! CHAGUO NI LAKO!!!!!! WOGA WAKO UMASIKINI WAKO!!!!!!!!!!!! Hizo appreciation in value calculated sio sawa na real value ukitaka kuuza. Juzi kuna mdau kanunua plot 9m, low density, kimepimwa na kina hati tbt lakini valuation ya ile plot si chini ya 25m je ukitaka kuuza yuko mtu standby wa kununuaaaaaa? Money in documents n publications ain't real money! Walio uza nyumba recently watakubaliana na mimi.

Lonya zimewatoa kina Shirima (R.I.P) walikuja mjini na begi! Wachina wanaleta lonya wanaondoka na mibegi ya hela! Chezeya! Biashara ni biashara mradi iwe inalipaaaaa!

Afu ujue mambo kuingiza mambo ya uchunaji wakati mwenzio niko busy na Mkurabita sifagilii wala nini.

haa ha ha nami nitafutie kiwanja cha kupimwa tabata offer yangu 12m,siwezi uza lonya wala makubanzi kutoka china labda kidogo kuwa amijei.

 

[Moses Pened]

xawa kijana hiyo ni idea nzuri but the thing ni kwamba most of us hatuna get ways za kujua ni namna gan ya kupata hizo opportunities, hw comes kibongo bongo umejipanga umekusanya mil 10 then ukatake risk isirudi na ukichek mshahara wako ni laki 5. lazima udate xo dats y mtu anaamua kwenda mdogomdogo.........

 

[Mfamaji]

Real estate ni biashara nzuri hata kama umejenga miaka iliyopita. Tatizo ndio hilo , watu hawjaui kutumia sasa hizo nyumba kupata capital wawe matajiri. Wengine wana hulka ya kununua mashamba kila mahali halafu hayazalishi kivile. Sasa kama una mashamba ya sh. 200 mil halafu hayazailishi hata 10 mil kwa mwaka yana faida gani? Halafu hawauzi hata pale bei inapopanda, mwisho wanakuja kufa maskini wakiwaachia watoto na ndugu zao kufaidi. Kuhodhi mashamba yasiyozalisha na yasiyouzwa ni ushamba na ukosefu wa fikra za utajiri. Kujenga nyumba na kukaa nayo tu bila kuitumia kupata mikopo benki ni umaskini mtupu. Nakubaliana nawe Lara 1. Leta hiyo thread , mm nitakuunga mkono kwa maarifa ya jinsi ya kuwa tajiri.

 

[dav22]

IGWEEEEEEEEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Watanzania wengi haswaaa vijana wa sasa na vijana wa zamani wengi watakufa maskini ama kuzeeka maskini kwa kuendekeza Ucommunist na sera za kizamani za utajiri ni kumiliki nyumba na gari.

Sikatai nyumba ni a very valuable asset, na ina appreciate in value with time lakini this is not necessarily the case always. Appreciation na returns za hio nyumba zinaweza zisiwe reasonable enough kujustfy wewe kufkia 40Mills au 30Mills leo hii. Hio initial investment inaweza kuchukua hata 20yrs kujirudisha tu bila kujilipa. Imagine hio 40Mills ungewekeza kwenye opportunity zingine zenye large returns, na kuhakikisha unachukua calculated risk in 20yrs si unweza kujikuta una 400Mills na mijumba ya kumwaga!

Sio kwamba wa tz wengi hatushiki mbesa, no! tunashika sanaaa sema priority ndo zinatuangusha haswaa waajiriwa wa white collar jobs. Ile breakthrough ya msomi kutoka maisha ya kawaida na kuwa mwekezaji anae ajiri watu asilimia kubwa hawaifikiii. Mtu akishika tupesa tudogo anakimbilia kutuzika mashambani huko!

Vijana wenzangu unashika tu 10mills unawahi kutuzika Mbagara kiburugwa sijui huko au Mbezi maramba mangapi sijui. Unaongezea kuzika mamilioni hadi yafike hata 50 in 4 yrs hadi umalize jumba hilo. Kisha kodi unapoke 100,000/= in 10 to 20 years haiendi mbali na hapo. Watu waliojenga Tabata in 1990's nyumba mpaka leo Tbt ni 200,000 kwa mwezi?????

Tubadilike tuwe capitalistic. Ukishika 10m ujipange izungushe ushike 50m. It all about opportunity and risk taking this is the only key kuwa billionea. Ruge keshasema fursa ziko nyingi mnoooo! Tabia ya kuzika tuiache. Nyumba ziko kibao Sinza, Masaki, Obay, Knyma kwanini uende porini? Hio 10Mills izungushe hadi ifike 300Mills ununue nyumba ya uhakika Kinondoni. This is the bigger picture!

Thanks you all!

umeongea point mtoto weye leo mpaka basi aisee..

 

[anjnr]

mitihani ya maisha kila mtu na njia yake.

 

[Mfamaji]

Naunga mkono thread kwa upande wa kutumia kile tunachokipata wisely japo bado naamini kuwa na nyumba/ makazi ni hatua muhimu sana kwenye harakati za kujikwamua kiuchumi. Sio lazima tufuate kila kitu anachosema lara 1 ila naamini kidogokidogo huu uzi utafungua kwa kiasi kikubwa sana jinsi tunavyo tumia rasilimali zetu.

Na ndio maana utajiri na shule havikai pamoja! Mkuu Young Tanzanian, tuwe wa kweli, wafanyakazi wengi tulioajiriwa tumefungwa sana na mambo ya kutaka ku apply mambo ya shule kwenye real life, ndo maana mara zote tunakuwa waoga sana, na kwa sababu hiyo wenye pesa wengi wana shule ndogo sana.

Kabla hujajenga piga hesabu ya kukodi nyumba against kuwa na yako. Wengi hawafikirii gharama za ku own nyumba ya maana.

 

[ngalelefijo]

It sound good.tatizo ni kasumba tu nothing else.una gari huna nyumba hueleweki.let us make a u turn.Lara ur right

 

[Senior Boss]

IGWEEEEEEEEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Watanzania wengi haswaaa vijana wa sasa na vijana wa zamani wengi watakufa maskini ama kuzeeka maskini kwa kuendekeza Ucommunist na sera za kizamani za utajiri ni kumiliki nyumba na gari.

Sikatai nyumba ni a very valuable asset, na ina appreciate in value with time lakini this is not necessarily the case always. Appreciation na returns za hio nyumba zinaweza zisiwe reasonable enough kujustfy wewe kufkia 40Mills au 30Mills leo hii. Hio initial investment inaweza kuchukua hata 20yrs kujirudisha tu bila kujilipa. Imagine hio 40Mills ungewekeza kwenye opportunity zingine zenye large returns, na kuhakikisha unachukua calculated risk in 20yrs si unweza kujikuta una 400Mills na mijumba ya kumwaga!

Sio kwamba wa tz wengi hatushiki mbesa, no! tunashika sanaaa sema priority ndo zinatuangusha haswaa waajiriwa wa white collar jobs. Ile breakthrough ya msomi kutoka maisha ya kawaida na kuwa mwekezaji anae ajiri watu asilimia kubwa hawaifikiii. Mtu akishika tupesa tudogo anakimbilia kutuzika mashambani huko!

Vijana wenzangu unashika tu 10mills unawahi kutuzika Mbagara kiburugwa sijui huko au Mbezi maramba mangapi sijui. Unaongezea kuzika mamilioni hadi yafike hata 50 in 4 yrs hadi umalize jumba hilo. Kisha kodi unapoke 100,000/= in 10 to 20 years haiendi mbali na hapo. Watu waliojenga Tabata in 1990's nyumba mpaka leo Tbt ni 200,000 kwa mwezi?????

Tubadilike tuwe capitalistic. Ukishika 10m ujipange izungushe ushike 50m. It all about opportunity and risk taking this is the only key kuwa billionea. Ruge keshasema fursa ziko nyingi mnoooo! Tabia ya kuzika tuiache. Nyumba ziko kibao Sinza, Masaki, Obay, Knyma kwanini uende porini? Hio 10Mills izungushe hadi ifike 300Mills ununue nyumba ya uhakika Kinondoni. This is the bigger picture!

Thanks you all!

Cash is Trash miss...It depreciates every single day by the time unapata hzo 300, 400, 500 mils still itakua haina value with the current economic situation due to infaltion, ( Hapo kwenye red ungetoa mifano ningekusoma vyema zaidi.) Njia moja wapo nzuri ya kutunza utajiri/fedha ni kununua a fixed asset i.e Land, house etc NOW. cz it appreciates overtime as it won't be of the same value tomorrow. Hata ukiuza utauza at a reasonable price/value. Good example: Kuna mzee mmoja namfahamu sana na ni tajiri alinunua kiwanja maeneo ya mawasiliano towers mbele kidogo na mlimani city kama unaenda ubungo kwa 15 Million Tshs in the late 1980's / early 1990's. Ni eneo la 7 Acres opposite kabsa na barabara ya lami. At that time akafungua kiwanda cha matofali aina mbali mbali. Amekuja kuuza a part of that land for 11 Billion Tshs na pesa yake amepewa na world bank in dollars. Imagine all that time amekua akifanyia biashara eneo hilo ile 15 million alishairudisha na faida juu with his business and still kauza kwa pesa nyingi sanaa !! Get my point ??

Kuna game moja ya financial expert Robert Kiyosaki inaitwa "cashflow Board Game" find some time to know it and play it...Uta panuka ubongo kwa vitu vingi sana relating to financial matters.

Pia kununua Land/House any place iwe urban or rural areas....u don't need to have your very own money to do that, hata kama pesa unayo finance experts don't advice you to do that. It's not good for business & your financial health. Ndio maana hata matajiri na pesa zao zote, still unakuta wanadaiwa bank. We call that "Good Debt". All you need to do is have a good cashflow statement in a particular period of time and leverage on bank's money to buy that house/land. Banks are very good people to do business with, people have this negative image of them...and banks are very willing to lend you money to buy a fixed asset i.e house/land all they need is to be sure that you will pay back their money. How ? By having a good cashflow statement. Hata uwe na akili kama computer na vyeti vya shule vyenye A+ masomo yote. Bank haikukopeshi hela kama huna a good cashflow statement. Cashflow statement ndio CV yako when it comes to business. Tembea bank zote unazojua wewe uliza. Ukitaka kujua utajiri wa mtu/company ni wa magumashi/strong we omba cashflow statement yake. (Ndio maana inashauriwa ni lazima kila mtu awe na bank a/c, Only if unapenda financial success) Hence u pay in installments while also investing in that asset you bought.

Note: Cash is Trash. It's just a medium of exchange.

 

[Delegate]

Mimi ni mwana Darisalama mzaliwa wa Kinondoni ndo maana hoja yangu imebase Dsm. All im sayin is WATU WAJENGE BAADA YA KUJIJENGA KIUCHUMI! Pesa ndogo wanayoipata kwanza waitumie kujijenga kiuchumi then wakisimama kiuchumi ndo wafukie mahelaaaa!

Lasivo it doesnt make sense mtu alieweza kujenga jumba la 60mills in eraly 2000's leo hii awe anaishi kwa kudunduliza kadi! That is a bad investment strategy.

WATU WADHUBUTU SIO KUENDEKEZA WOGA WA KUTAKE RISK!

Labda unafikiri kila mtu ni business minded'biashara ina watu wake dear'ndio maana hata yale mafisadi yakistaafu yanakufa haraka kwa sababu hawawezi speed za kibiashara'wanaopata fedha kukimbizia kujenga wana akili sana'kumbuka kuna watu hawawezi kutunza fedha kabisa'yaani mil5 ndani ya week moja zimekatika kwenye mambo unnecesary''kujenga ndio njia pekee ya kutunza hela,binafsi nawaunga mkono ila point yako itagusa watu wachache sana wale wenye uwezo wa ku mantain business''''''