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

[lara 1]

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

HAHAAAAAAAAAAA! sasa coz biahsara ina mambo mengi basi ndo uikwepe? Kwa mantiki hio hata shule mtu hutosoma coz kuna mambo mengi ya kufaulu ama kufeli.

Ujue mimi mwenzio mishemishe zangi ni kkooo na kitumbini daily! So maybe nimezoea kuona watu wanakuja na 10m na kumwaga razi ndani ya mda mfupi.

Sikatai wengine wanaanguka ila kuanguka ndo kujifunza unasimama tena na tena. YAANI UNGEMUONA ZAKARIA PESA ANAYOINGIZA PALE KITUMBINI UNGELIA MACHOZI!!!!!!!!!!! Hana shule kivile wala nini.

 

[lara 1]

ni mtazamo wako, uko huru kusema, lakini usiwapuuze kwani nao ni mawazo yao. zako umezungusha toka lini na ni ngapi sasa

Mi bado mdogo wewe, nimetoka chuo 2010, nimerudi tena kuongezea, so mda huu najipanga. In the mean time niko KKO (MAHAKAMA YA UTAJIRI) nausoma mchezo kwanza na kujifunza kanuni from the inside.

If you have 8 hours to chopp a tree, Use six to sharpen your axe!!!!!!!!!

Mimi mbishi sanaaaaaa! Nimeamua kwenda kujitosa kwa mapapa na nyangumi!!!!!!!!!!! Ukijiusisha na mwizi na wewe utakuwa mwizi, so najiusisha na matajiri on the mean time kuwazungushia za kwao kutengeneza jina.

HII MBIU YA MGAMBO ALIENO JAMBO ALIFATE, ANAEBISHA BASI! NENO LANGU SIO SHERIA!

 

[kapistrano]

Hili ni wazo 2 ambalo mtu unatakiwa ulichukue na kulichambua. Maana most of wajiriwa biashara zinawashinda kutokana na usimamizi mdogo kwani muda mwingi unaishia kazini na hii inawakatisha tamaa na kuwaza swl la nyumba na viwanja km asset ktk maisha yao.

 

[Zion Daughter]

lara 1 thread yako ni very educative..Tatizo letu wabongo ni woga na lack of business ideas

 

[lara 1]

PIPS ALL IM SAYIN IS SHIT IS GOIN DOWN RIGHT NOW!!!!!! THINGS ARE HAPPENING! PEOPLE ARE MAKING THE IMPOSSIBLE HAPPEN!!!!!! PEOPLE LIKE YOU AND ME!!!!!!!!!!! JUST PLAYIN THEIR CARDS WELL! PEOPLE ARE GETTIN FLITHY RICH!!!!!! ATLEAST TRY TO BE LIKE THESE PEOPLE!!!!!!!!!! EVEN IF YOU FAIL UTAKUWA UMEWAKARIBIA! (Sio kujivua gamba kabisaaa na kutokujaribu kabisaaaa)

Ila kama mjuavyo maisha ni kuchagua!!!!!!!!!!!!!!!!

Jiulize je kwa kujenga Tegeta Salasala manini huko in 10 yrs hio investment itakufanya UISHI MASAKI/OBAY! Think big guys!!!!!!! Look at the bigger picture!

IT ALL COUNTS DOWN TO MAKIN SHIT HAPPEN! Watoto wadogo 30's wanashusha mighorofa ya hatareeeeeee! Wala hawalogi. UJASIRIA MALI (Inabidi uwe jasiri kwelikweli)

Wenzangu mmeridhika na mlichonacho! MIMI SIJARIZIKA NA NITAKOMAAA HADI KIELEWEKE! Lazima niwe among the few people residing in Obay! Failure is not an option. Who gets to decide nani afikie level gani ya maisha? (WEWE MWENYEWE)

IN THIS LIFE WE GET FEW CHANCES, IF YOU DONT GRAB THEM BY THE BALL YOU WILL END UP WONDERING HOW YOU BECAME SECOND RATED IN LIFE!!!!!!!!!!!! (GET RICH OR DIE TRYING)

Ukiamua uzeeke na nyumba 2, maisha ni yako chaguo ni lako, rember dont blame God alikupa 10Mills in a point in ya life, so he is innocent of ya blames.

MAISHA NI YENU CHAGUO NI LENU!!!!!!!!!!!!!!!!!!!!!!!!!!

 

[lara 1]

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.

HAHAHAAAAAAAAAAA!!!!!!!!!!! Mswahili mtaji Mpaka akope!!!!!!!!!!!!!! Its Pathetic! Mimi nikianza kukupa ushahidi wa Wa Rombo waliokuja kkoo na mabegi wakauza maduka ya watu na kukuza mitaji from 0, NITAJAZA JAMVI HILI! Ila saivi wenzio wanamiliki mali ya maana wala sio ya kukopakopa! Afu hatujua hata what is a cashflow, wala security, wala yield, na cost of capital. Sie tunajua elfu kumi ni nyekundu BAAAAAAAAAAAAAAAAAAAASSSSSSSSSSS!

Bakia hivo hivo UTUPUNGUZIE USHINDANI! (Nitakuja kupanga kwenye hizo nyumba zako kama zina hazi lakini!Lol!)

Ukitafuta sababu kwanini usifanye kitu utapata kontena na makontena ila ukitafuta kwanini ufanye ukipata moja una bahati!

SHIT IS HAPPENIN! CHOOSING NOT SEE IT DOESNT MAKE IT VANISH!!!!!!!!!!!


Bongo hii hii watu wansukuma ndinga za 2012 mwishoni(Kina Zaka), wewe umejirizikia zako kijana mdogo 25, umerizika kuwa huenda ukafa hujasukuma ndiga la 3yrs prior kama ukiendelea kufanya mambo unayofanya sasa. This is a Wake Up Call!!!!!!! Jiulize hio ajira in 20 yrs utakuwa wapi? Mimi maza wangu anafanya kazi tangia 1985 na bado anapiga mzigo, ila Cousin kaanza business juzi last year ila Maza hawezi hata kudhubutu kuota atakuja kushika pesa kama ile. Ila amerizika mwenyewe, anasema tu alifanya makosa siku nyingi so its too late for her. JIULIZE WHERE ARE YOU GOING????????? HOW LONG WILL YOU GET THERE?

 

[businezz_oligarch]

PIPS ALL IM SAYIN IS SHIT IS GOIN DOWN RIGHT NOW!!!!!! THINGS ARE HAPPENING! PEOPLE ARE MAKING THE IMPOSSIBLE HAPPEN!!!!!! PEOPLE LIKE YOU AND ME!!!!!!!!!!! JUST PLAYIN THEIR CARDS WELL! PEOPLE ARE GETTIN FLITHY RICH!!!!!! ATLEAST TRY TO BE LIKE THESE PEOPLE!!!!!!!!!! EVEN IF YOU FAIL UTAKUWA UMEWAKARIBIA! (Sio kujivua gamba kabisaaa na kutokujaribu kabisaaaa)

Ila kama mjuavyo maisha ni kuchagua!!!!!!!!!!!!!!!!

Jiulize je kwa kujenga Tegeta Salasala manini huko in 10 yrs hio investment itakufanya UISHI MASAKI/OBAY! Think big guys!!!!!!! Look at the bigger picture!

IT ALL COUNTS DOWN TO MAKIN SHIT HAPPEN! Watoto wadogo 30's wanashusha mighorofa ya hatareeeeeee! Wala hawalogi. UJASIRIA MALI (Inabidi uwe jasiri kwelikweli)

Wenzangu mmeridhika na mlichonacho! MIMI SIJARIZIKA NA NITAKOMAAA HADI KIELEWEKE! Lazima niwe among the few people residing in Obay! Failure is not an option. Who gets to decide nani afikie level gani ya maisha? (WEWE MWENYEWE)

IN THIS LIFE WE GET FEW CHANCES, IF YOU DONT GRAB THEM BY THE BALL YOU WILL END UP WONDERING HOW YOU BECAME SECOND RATED IN LIFE!!!!!!!!!!!! (GET RICH OR DIE TRYING)

Ukiamua uzeeke na nyumba 2, maisha ni yako chaguo ni lako, rember dont blame God alikupa 10Mills in a point in ya life, so he is innocent of ya blames.

MAISHA NI YENU CHAGUO NI LENU!!!!!!!!!!!!!!!!!!!!!!!!!!

Ngumu kumeza,Tamu kutema...yaan umeeleweka kupita maelezo,i refuse to die poor,haya mambo ya kuiga mwenzangu kanunua kile na mm ninunue yamepitwa na wakati,kajenga kile na mm nijenge hapana kwa kweli...

 

[Mfamaji]

Napolen Hill anasema '' both poverty and riches are the offsprings of thought''

Wazo aliloleta Lara 1 linaweza kukukomboa ukilichukulia positively kuendana na mazingira uliyopo. Yaani mfanyakazi, mfanyabiashara, jobless etc. "WAZO NI USICHIMBIE HELA> ZUNGUSHA HELA UPATE HELA''

 

[ben van mike]

Tusikubali kukatishwa tamaa dada katupa motisha kwamba inawezekana si watu wengi bongo wana mawazo haya ..

 

[lara 1]

Tusikubali kukatishwa tamaa dada katupa motisha kwamba inawezekana si watu wengi bongo wana mawazo haya ..

Jaribu kadri uwezavyo kujiassociate na watu wanao sababisha mambo yatokeeee!!!!!!!!!!! We hushangai watu STD 7 wanasababisha mambo ya hatariiii! Simply because wamedhubutu!

Hatua ya 1 ni kujikubali kama mimi, nimekubali mimi ni Maskini na nikicheza naweza kuzeeka masikini bila masihara!

Then nikachambua huku kutoka kupo kweli ama ndo nashikwa wazimu? Nani katoka na katoka vipi.

Sasa ndo najipanga kwa kuangilia falni alitoka hivi, flani alianguka pale, kama hivi nausoma mchezo from the inside.

Ila ningeendelea kujidanganya, aaah! Nimejitahidi sanaaa, Kusema sijafanikiwa ni kukufuru, Si unaonaaa, nina elimu flani, nina maendeleo hutu, flani hana kabisaaaaaaaa, flani ndo usiseme kwake kunaungua (Badala ya kusema Mengi anaongeza makampuni tu wakati mi napost revenue zake hapa)

Kidogo ulichonacho simaanishi Ukidharau, la hashaaaa! Kikupe changamoto, kama umeweza kupata hiko unaweza kupata hata mara 10 ya hiko! TUSIRIZIKE!!!!!!!!!!!!!!!!!!!!

 

[bornagain]

HICHO ULICHOONGE AHAPO RED KIMENISIKITISHA SANA ,HIVI UNAJUA WATU WOTE WANGEKEWANA MENTALITY HIZO HAPA DSM KUSINGEKUWA NA TEGETA,BUNJU,HATA HIYO KINONDONI,??UKUAJI WA MJI NI WATU WENYEWE KUJIRUNDIKA SIO ISSUE SANA.

Nafikiri hujui aspects za maisha kila mtu ana mtazamo wake ,mtu aliyejenga nyumba 2008 ,huwezi mfananisha na 2012 japo ni ile ile na ramani ile ile .hali ya maisha inakuwa ngumu kadri siku zinavyoongezeka mtu huna bishara utaizungushaje hiyo hela alafu usione watu wanjenga nakununua viwanja ukadhani wanazika hela noooooooooooo ,wanavinunua nakusubiri viapriciate!!nayo ni biashara yenye faida japo inachukua muda.na ujue kwamba sio wote wenye knowlwdge ya biashara au kuzungusha pesa!!

Mchango wako ni wa 6 na nashawishika kukuambia kuwa ingawa sijafika kwa wachangiaji wengine wewe unaonekana kumaliza kiu ya majibu yote.Kusema ukweli kama watu hawajui basi inatakiwa wajue leo mpaka milele.Hakuna kitu kinachomnyima mwanadamu wa Dar raha kama nyumba ya kupanga,ukipanga nyumba unashindwa kupanga maendeleo.

Kuhusu fursa hizo si kila mtu anaziona ni mpaka apewe semina, na pia kuhusu watu kujenga nyumba na kununua viwanja nayo ni biashara tena ya nguvu,ni miongoni mwa biashara ambazo hata haziozi so long as umenunu kihalali na uwanja hauna mizengwe.Mfano mzuri ni mimi mwenyewe, nilinunua uwanja Yombo - Buza miaka ya 2006 kwa Tsh 1,200,000 nikauuza mwaka 2009 kwa shilingi Tsh 5,000,000 hapo hapo mwaka 2009 nikaenda kununua shamba la ekari 2 kwa milioni 4 kule Maji Matitu Mbagala ambalo mwaka 2011 nimeliuza kwa milioni 25 so kusema ukweli hakuna biashara kwa sasa inayolipa kama mashamba na viwanja so long as usiwe na haraka

 

[bornagain]

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

Angalia kwa sasa kama kuna nyumba imejengwa kwa zaidi ya miaka mitatu haina mtu ndani anaishi.Nyumba nyingi magofu ni zile za enzi ya Mwinyi wakati kila kitu ni ruksa sasa wakati Ben anaingia ambao walikuwa hawajazimalizia ziliishia hivohivo.Niambie chochote,niite mawazo mgando lakini mimi nilianza na nyumba kabla hata ya kufikiria chochote.Wewe hujui maisha ya kupanga ndugu yangu yanavotesa.Nilipanga mwaka mmoja tu nikaamua kuishia zangu kwenye nyumba ambayo hata plasta ilkuwa haina

 

[MBWA WA MANZESE]

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.

sijui kama unajua kuna kitu kinaitwa time value of money na inflation.

 

[Herg]

nimetaka kuilike hii post lakini sikioni kidude cha like...in short mtazamo wako ni mzuri lakini hicho unachosema ni kingeni kwa watanzania...chamsingi watu tunatakiwa tuwe na assets sio tunanunua liability halafu tunadhani kwamba ni asset..kujenga nyumba then kuhamia humo na kukaa ni liability coz kuna maintenance costs etc vitu kibao..KWA ushauri wangu someni kitabu hichi kitawasaidia tu nyie wenye fikra mgando..za kupenda kujenga nyumba na kuhamia pembezoni mwa miji..search google.com/richdadpoordad pdf ukisoma wiki moja tu huwezi kufkiria kama mnavyowaza sasa hivi over..!!! Via Lazima ninunue Land Rover LR3..4.0...!!!

Kuna kitabu kingine kinaitwa the richest man in Babylon, theme yake ni karibu sawa na rich dad poor dad. One of the secrets ktk hicho kitabu inasema.....
"To a man's heart it brings gladness to eat the figs from his own trees and the grapes of his own vines. To own his own domicile and to have it a place he is proud to care for, putteth confidence in his heart and greater effort behind all his endeavors. Therefore, do I recommend that every man own the roof that sheltereth him and his.
"Nor is it beyond th

 

[lara 1]

sijui kama unajua kuna kitu kinaitwa time value of money na inflation.

Je hio time vale na inflation ni reasonable enough kujustfy wewe kufanya sunk costs? Kuzungusha kunaweza kuwa na yield kubwa sana kujustfy inflation na TMV!!!!!!!!!!!

 

[Herg]

sijui kama unajua kuna kitu kinaitwa time value of money na inflation.

Kwenye inflation nadhani ndio muafaka zaidi kuinvest ktk real property than anything else.

 

[anjnr]

This thread is very challenging and educative. Imetugusa wengi, muhimu ni kuchukua hatua kwa kuanzia unapoona panafaa.

 

[lara 1]

Kwenye inflation nadhani ndio muafaka zaidi kuinvest ktk real property than anything else.

Hahahaaaaaaa! Inflation ni moja ya factors za kuconsider! Je kama retrn za kuzungusha zina rate kubwa sanaa kuliko hako ka inflation? Huwezi tu kuanalse inflation ngapi, basi ndo unaamua bila kuangalia huko kuzungusha kutakulipa nini?

Kweli sio kila mtu ana maarifa ya business!

 

[MBWA WA MANZESE]

Kwenye inflation nadhani ndio muafaka zaidi kuinvest ktk real property than anything else.

we need to train them to see this fact, our currency is a near toilet paper currency it is more valuable today than tomorrow

 

[Jodoki Kalimilo]

Hahahaaaaaaaaaaaaa! 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!

Mdau umeongea point ila wanaojenga wengi wao huwa hawazichangi mpaka zifike hizo 5milion au 20 million (hawa nadhani itakuwa haki kama watafuata mawazo yako maana ni kweli kabisa investment ni muhimu), lakini ukiangalia walio wengi ni design ya ana laki zake 3 ana mwaga tripu ya mchanga alafu baada ya miezi 2 ananunua cement baada ya miezi 6 anakuja anapiga msingi anatulia. Na wanafanya hivi kwa kuwa vipato vyao havitabiriki na kodi kila siku ni issue pia uhakika wa investment kwa hapa kwetu kuna mazingira ni challenging hasa kwa mtu anaefanya kazi maana itabidi uwe na mtu anaekusaidia kufanya on your behalf (mwisho wa siku anakuchakachua maana kwa mtu anaeanza business lazima atakuwa anai-operate in local context ndio maana mtu anaamua kujilipua na kukomaa na mjengo mpaka kuvaa anasahau ili mradi awe na uhakika na pa kukaa), fursa zipo ila kunahitaji system ambayo ipo wazi na isoyoruhusu ujanja ujanja maana fitina za kushushana hapa kwetu ni nyingi sana.