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''''''
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.
Nina kiwanja nilinunua mwaka 2005 at 1.5m Tsh, Leo hii nikitaka kukiuza nitapata not less than 100m. Mind you hakina nyumba, yani kiwanja kitupu. sijajua bado ni biashara gani nifanye ya kuweza kuniingizia pesa yote hiyo within short time, na ukizingatia mimi ni muajiriwa.
Kwakweli mimi bado naamini kwenye uwekezaji wa real estate.
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''''''
Kwa ugumu uliopo bongo wa kupata mtaji, fixed assets ndizo zinaweza kutusaidia. Labda kama tunaongelea watoto wa mafisadi wanaoweza kupata mkopo benki bila security.
Kufanya uchuuzi kwa pesa ya kubahatisha kunahitaji roho ya paka...
Hata hivyo sifagilii tabia za kupenda starehe na vitu vya gharama (eg. magari n.k) kwa hela ya kuazima.
umesema kweli hapo
.....tusaidiane,hasa hapo kuturn millioni kumi into mamilioni................kwangu mie naona km impossible vileee:confused3:
umesema kweli hapo
.....tusaidiane,hasa hapo kuturn millioni kumi into mamilioni................kwangu mie naona km impossible vileee:confused3:
Natamani kila thread iwe na mvuto kama hii. Ninajifunza mengi sana! Thanks Lara 1.
Hapo kwenye RED ni janga la kitaifa, nafikiri inabidi kuwe na special forums za kuelimisha vijana. Mtu anachukua mkopo anaenda nunu gari inayokula mafuta ya 30 -50 thousand a day, sijui wanakuwa wanataka kuprove nini.
Inawezekana kabisa dada, ila ujikane sana ili kufanikiwa kuizungusha. Moja ya sifa muhimu ili kufanikiwa ni kufumba macho na kuziba masikio.
TOKA NIJIUNGE JF Hii ni moja ya topic iliyonivutia sana sana kwa sababu mm ni mwajiriwa na nalpwa vzur bt nawaambia marafk zangu nataka niache kazi nitake rsk niingie kwenye busines wanaogopa bt soon nitafanya maamuz magumu cz ukrsk kwanza unakuwa makini kwenye usmamiz...bt warning(kiwanja muhmu) binafs bado ni kijana mdogo ila nilichofanya cha kwanza baada ya kupata pesa nilinunua kiwanja changu kikubwa Tegeta na nina mpango wa kuanza ujenz soon ila skuwekeza kwenye magari..ila kwa maisha ya mjini kupata kiwanja ni muhmu dn unapanga un afanya biashara profit unayopata unajenga na kupanua biashara..ni mawazo yangu si sheria
Dada naomba usome kitabu cha poor dad, rich dad,ni kitabu maarufu kidogo nimesahau jina la mwandishi, Biashara ina factors nyingi sana for it to be successful,aina ya mtu,elimu yake ,kazi anayofanya,mazingira,miundo mbinu ya kibenki,culture ya jamii unayofanya nayo biashara na mengine mengi,so idea yako is not like 1+1=2,NO NO NO NO NO NOHahahaaaaaaaaaaaaa! Exatly the mentality NAYOIPIGA VITA!!!!!!!!!!!!!!!!!!!
Watu wenye surplus capital ndo wajenge coz wako na pesa mingi sanaaa hadi watafute kwa kuinvest! Ila Mtu una ka 20Mills unakachimbia chini. Then unaanza upyaaa kusave na kudunduliza. Ukifikisha 5M unakachimbia tenaaaa. SAD!
Hili limesababisha watu wengi wastaafu na 2 houses, 2 cars basically tunasema kastaafu Masikini!!!!!!!!!!! Ila laiti ile 20m angeiwekeza vizuri story ingekuwa ingine kabisaaaa. Mtu anaishi tegeta leo nyumba kaijenga 1990's kodi kwa nyumba standard nzuri ni 300,000/= sasa anafaidi nini wakati hilo banda ndo lifetime savings zake. Hata hakuwahi kwenda Dubai for holiday, coz hakuwa na uwezo!
Mawazo mgando yanakimaliza kizazi hiki Tz. Mji upanuliwe na waliojipanga sio kukurupuka. Nyumba moja unaijenga 10yrs afu mashambani huko!
Tuwe kama ulaya wenzetu walijua mapema sio ishu hii!
Ukipewa 10m utafanya biashara gani ifike 100m? Tupe mfano halisi
Ukipewa 10m utafanya biashara gani ifike 100m? Tupe mfano halisi
Dada naomba usome kitabu cha poor dad, rich dad,ni kitabu maarufu kidogo nimesahau jina la mwandishi, Biashara ina factors nyingi sana for it to be successful,aina ya mtu,elimu yake ,kazi anayofanya,mazingira,miundo mbinu ya kibenki,culture ya jamii unayofanya nayo biashara na mengine mengi,so idea yako is not like 1+1=2,NO NO NO NO NO NO