Funzo kutoka kwa Rich dad Poor dad

[Royal Warrior]

Assalaam Alaykum.

nafahamu wengi wetu ni wavivu wa kusoma vitabu, ila mie nimejikaza na kukisoma hiki kitabu cha Robert Kiyosaki cha Rich dad Poor dad. kwa kweli nimejifunza kitu kikubwa sana, na ningependa na nyie ma hustlers wenzangu tuweze kujikwamua kiuchumi na kifedha.

tuweke utamaduni wa kununua Assets na sio kufikiria kuongeza kipato (income, hasa mshahara).
najua wengi hapa mtakua hamuelewi inakuwaje tusiwe tunahangaika kuongeza kipato (income) ?

kuongeza kipato hakutakutajirisha, muda ambao kipato chako kitaongezeka basi na pia expenses (gharama) zako zitaongezeka hivyo utajikuta unalipa kodi (tax) zaidi, unatumia zaidi kulipa gharama za maisha kama rent,vyakula,mavazi, ada, nk. mwisho wa siku unakua upo pale pale kwenye vicious circle.

badala yake jitahidi kuongeza Assets zako,, nikisema assets namaanisha ni kitu/biashara inayokuingizia pesa bila ya ww binafsi kuwepo mahali ilipo hiyo asset physically. yaani kama ukiwa na Asset Dar, unaweza kwenda Mwanza kupumzika ila huku dar bado asset inakufanyia kazi ww (inakutengezea kipato).

hii ndio namna ya kuifanya pesa kuwa mtumwa wako. pesa inakufanyia kazi wewe na sio wewe kuifanyia kazi pesa.(ifanye pesa kuwa mtumwa wako, na sio wewe kuwa mtumwa wa pesa) na uzuri wa pesa inakufanyia kazi usiku na mchana. na hizo pesa zinazo zalishwa na hiyo asset. zitumie kuwekeza kwenye asset nyingine. yaani wewe kazana kwenye kuongeza assets zako kadri uwezavyo... and time will tell... (its just a matter of time).

Pia tujue kutofautisha kati ya Asset na liability.

najua hapa baadhi ya wahasibu hawatakubaliana 100% na jinsi Robert Kiyosaki alivyozi elezea. ila kwa ufupi.

Asset ni kitu kinachokuingizia pesa mfukoni (kinatengeneza pesa). kwa mfano hisa, biashara ambayo haihitaji uwepo wako, nk.

Liability ni kitu kitu kinachotoa pesa mfukoni mwako. mortgage (mkopo wa nyumba),
Gari (service, mafuta, insurance, na gharama nyingine zinazoambatana na gari) nk.

hii haimaanishi kwamba usiwe na gari, hapana. gari unatakiwa kuwa nayo, ila tu pale ambapo utakuwa umewekeza asset za kutosha kuweza kuihudumia hiyo gari. sijui kama mmepata picha kidogo.

Hivyo unapopata pesa fikria kwanza kuwekeza kwenye asset na sio kununua liabilities.

Ahsanteni, (wenye maswali mnakaribishwa).

 

[akhilly]

Ahsante sana mzee...nime gain kitu hapa..

 

[Jodoki Kalimilo]

Ahsante mkuu

 

[Kanungila Karim]

Mimi nakisoma cha RICHEST MAN IN BABYLON

 

[Duke Tachez]

Safi

 

[TAECOLTD]

Tatizo kuu la least developed countries ni kwamba most of their people wanakua highly motivated wanaposoma au kusikiliza inspirational videos ila soon yaaan veeeeery soon after that everything evaporates in short hakuna utekelezaji na most of vitu hivyo ni non applicable kwa most of our countries.... Hapo unaweza kuwa motivated simply sababu umekisoma hivi karibuni, all in all soma vitabu kupata knowledge ila sio kuwa na mtete kutokana na unachokisoma hutusui....be calm and set your goals, every human being have got their own ways of success

 

[Royal Warrior]

Mimi nakisoma cha RICHEST MAN IN BABYLON

mkuu hicho kitabu nakitafuta sana ila sijakipata bado,, unayo soft copy au?

 

[Royal Warrior]

Ahsante sana mzee...nime gain kitu hapa..

pamoja mkuu

 

[Royal Warrior]

Ahsante mkuu

pamoja boss

 

[Royal Warrior]

Tatizo kuu la least developed countries ni kwamba most of their people wanakua highly motivated wanaposoma au kusikiliza inspirational videos ila soon yaaan veeeeery soon after that everything evaporates in short hakuna utekelezaji na most of vitu hivyo ni non applicable kwa most of our countries.... Hapo unaweza kuwa motivated simply sababu umekisoma hivi karibuni, all in all soma vitabu kupata knowledge ila sio kuwa na mtete kutokana na unachokisoma hutusui....be calm and set your goals, every human being have got their own ways of success

financial literacy is the key to financial freedom.

hizo inspiration talks zimekua biashara siku hizi, kila mtu anataka kuwa speaker.. ila kuna motivational speaker kama kina Tony Robbins, Brian Tracy nk. wapo vizuri,, sometimes mtu unakua hujui what potential you have, the moment unapokuja kugundua how capable you are, na ku unleash potential ulokua nayo,, magic start to happen.

 

[baiser]

Mm pia nimesoma rich dad poôr dad na increase your financial iq aisee unaweza acha kaz

 

[Bujibuji Simba Nyamaume]

Nafanya tahajudi

 

[Bashatu]

Tatizo kuu la least developed countries ni kwamba most of their people wanakua highly motivated wanaposoma au kusikiliza inspirational videos ila soon yaaan veeeeery soon after that everything evaporates in short hakuna utekelezaji na most of vitu hivyo ni non applicable kwa most of our countries.... Hapo unaweza kuwa motivated simply sababu umekisoma hivi karibuni, all in all soma vitabu kupata knowledge ila sio kuwa na mtete kutokana na unachokisoma hutusui....be calm and set your goals, every human being have got their own ways of success

Unamaanisha when someone tells you to buy more assets than liabilities kuna nchi hazina assets??
R. Kiyosaki anafundisha personal financial management, like buy more assets use your assets to finance your liabilities, don't use your earnings kama mshahara to buy liabilities bali badili mshahara kuwa passive incomes.
Pia anafundisha matumizi bora ya mikopo.
Mfano halisi, kuna watumishi/waajiriwa wanakopa mikopo ili kununua magari ya kutembelea au kujenga nyumba za kuishi na kisha kulipa mikopo kwa kukatwa mshahara, hivyo kupunguza mapato yao. This is not good sababu ni kuongeza liability list, bali anayekopa akanunua gari ya biashara au akajenga nyumba ya kupangisha ambayo inamwingizia kipato na kujilipia mkopo hana shida.
Mpaka hapo what is not applicable kwa nchi yetu?
Rule of thumb niliyojifunza kwa R. Kiyosaki ni: if you take big risk, make sure someone is going to pay for your risk and you are being paid for taking risk.

 

[king suleman]

kwa cc wavivu wa kusoma tumepata kitu tnx