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Njia rahisi ya kukwepa soo ya ugoni

Discussion in 'Jokes/Utani + Udaku/Gossips' started by Rugas, Mar 17, 2010.

  1. Rugas

    Rugas JF-Expert Member

    Mar 17, 2010
    Joined: Jan 8, 2009
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    A married woman was having a really nice time with one
    of her boyfriends when there was a sudden knock on the
    door. Thinking that it was her husband, she instructed
    the man to jump into the ceiling only to find it was
    another boyfriend.

    When the 2nd boyfriend was about to make love to her,
    the real hubby came. Boyfriend 2 had no other option
    except to jump into the ceiling also. "How are we
    getting out of here ?" asked # 2 to #1 "I do not know
    about you, for me I am going as soon as the hubby
    starts making love to the wife.

    When the time came, # 1 jumped naked from the ceiling
    landed on the bed and said, "I am Jesus, God shall
    bless you with a baby girl! He quickly vanished

    from http://www.globalpublisherstz.com/
  2. Bujibuji

    Bujibuji JF-Expert Member

    Mar 17, 2010
    Joined: Feb 4, 2009
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    Watu ni noma........
    Wafanye zinaa zao huko, halafu wakati wa kuhitaji msaada ndio waanze kujifanya im jesus......
  3. m

    matambo JF-Expert Member

    Mar 25, 2010
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    njema kiaina
  4. Felixonfellix

    Felixonfellix JF-Expert Member

    Mar 25, 2010
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    aibu gani hiyo
  5. FirstLady1

    FirstLady1 JF-Expert Member

    Mar 25, 2010
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  6. Ndibalema

    Ndibalema JF-Expert Member

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    No comment.
  7. Dreamliner

    Dreamliner JF-Expert Member

    Mar 25, 2010
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    Hilo sio neno........
  8. Katavi

    Katavi Platinum Member

    Mar 25, 2010
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    Mmmmmmh huyu jamaa ana akili sana.

    X-PASTER Moderator

    Mar 25, 2010
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    Duh! Alafu wazinifu wanakuwa waongo wa papo kwa papo...
  10. A

    Athanas Mbelwa Member

    Mar 26, 2010
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    Top 5 Reasons Why People Go Bankrupt
    The bankruptcy statistics in America are alarming. The past few decades have seen a dramatic rise in the number of people that are unable to pay off their debts, and Congress has recently addressed the issue with legislation that makes it harder to qualify for this status. Following is a list of the most common causes of bankruptcy in America today.
    1. Medical Expenses
    A study done at Harvard University indicates that this is the biggest cause of bankruptcy, representing 62% of all personal bankruptcies. One of the interesting caveats of this study shows that 78% of filers had some form of health insurance, thus bucking the myth that medical bills affect only the uninsured.
    Rare or serious diseases or injuries can easily result in hundreds of thousands of dollars in medical bills - bills that can quickly wipe out savings and retirement accounts, college education funds and home equity. Once these have been exhausted, bankruptcy may be the only shelter left, regardless of whether the patient or his or her family was able to apply health coverage to a portion of the bill or not.
    2. Job Loss
    Whether due to layoff, termination or resignation, the loss of income from a job can be equally devastating. Some are lucky enough to receive severance packages, but many find pink slips on their desks or lockers with little or no prior notice. Not having an emergency fund to draw from only worsens this situation, and using credit cards to pay bills can be disastrous.
    The loss of insurance coverage and the cost of COBRA insurance also drain the job seeker's already limited resources. Those who are unable to find similar gainful employment for an extended period of time may not be able to recover from the lack of income in time to keep the creditors at bay.
    3. Poor/Excess Use of Credit
    Some people simply can't control their spending. Credit card bills, installment debt, car and other loan payments can eventually spiral out of control, until finally the borrower is unable to make even the minimum payment on each type of debt. If the borrower cannot access funds from friends or family or otherwise obtain a debt-consolidation loan, then bankruptcy is usually the inevitable alternative.
    Statistics indicate that most debt-consolidation plans fail for various reasons, and usually only delay filing for most participants. Although home-equity loans can be a good remedy for unsecured debt in some cases, once it is exhausted, irresponsible borrowers can face foreclosure on their homes if they are unable to make this payment as well.
    4. Divorce/Separation
    Marital dissolutions create tremendous financial strain on both partners in several ways. First come the legal fees, which can be astronomical in some cases, followed by a division of marital assets, decree of child support and/or alimony, and finally the ongoing cost of keeping up two separate households after the split. The legal costs alone are enough to force some to file, while wage garnishments to cover back child support or alimony can strip others of the ability to pay the rest of their bills. Spouses who fail to pay the support dictated in the agreement often leave the other completely destitute.

    5. Unexpected Expenses
    Loss of property due to theft or casualty, such as earthquakes, floods or tornadoes for which the owner is not insured can force some into bankruptcy. Many homeowners are likely unaware that they must take out separate coverage for certain events such as earthquakes. Those who do not have coverage for this type of peril can face the loss of not only their homes but most or all of their possessions as well. Not only must they then pay to replace these items, but they must also find immediate food and shelter in the meantime. Furthermore, those who lose their wardrobes in such a catastrophe may not be able to dress appropriately for their work, which could cost them their jobs.
    The Bottom Line
    There are many reasons why taxpayers are forced-or choose-to declare bankruptcy. But many times, common sense, sound financial planning and preparation for the future can head off this problem before it becomes inevitable. Those who are contemplating this possibility should seek a credit counselor or financial planner before choosing this alternative.