Posted in book review, Business, entrepreneurship, finance, inspiration, my library, personalgrowth, reading

Rich dad, poor dad: Book review 3) …go

Here is 1👉On your mark and 2👉Get set now to my final summary👏

4) Work To Learn- don’ t work for money
Workers work hard enough not to be fired and owners pay just enough so that workers won’t quit. Job is an acronym for Just Over Broke. If you want to be rich and happy, don’t go to school😏😏. I didn’t say that! Questions to ask oneself are “where does this daily activity take me?” What does the future hold?
Management skills for success that you need to equip yourself are:

  • Management of cashflow
  • Management of people
  • Management of systems

5) The Rich Invent Money
Inside each one of us is brevity, brilliance and daring character. Grasp the idea that money is not real. The idea in anything is to use your technical knowledge, wisdom and love of the game to cut the odds down to lower the risk. Skills of financial intelligence you need are:

  • Find an opportunity that everyone has missed
  • How to raise money
  • How to organize smart people. They should be more intelligent than you.

6) Know the History of Taxes and Power of Corporations
The idea of taxes was made popular and accepted by the majority by telling the poor and middle class that taxes were created to punish the rich. Masses voted for the law but in reality it wound up punishing the very people who voted it; poor and middle class. The Robin Hood deal make poor and middle class get taxed more.
People say you got to find your way through the corporate ladder. Why not own the ladder? Financial IQ is made up of 4 broad areas of expertise:

  • Accounting- ability to read and understand financial statements
  • Investing- science of money making money. Strategies and formulas
  • Understanding markets- supply and demand
  • Law- knowledge of tax advantages and protection of corporation.
    Hurray🙌 we are done reviewing the book. Take notes and buy the book if you can.

PS: Am watching CNN and house just passed bill to replace Obama care! Trump is happy for this first achievement. Well Americans what are your thoughts on this?

Posted in book review, Business, entrepreneurship, finance, inspiration, my library, personalgrowth, reading

Rich dad poor dad: Book review 2) …get set

Yesterday we did 1 in case you missed it 👉On your mark. Today we explore more. 

Most people live their lives chasing pay checks, pay raises and job security because of the emotions of desire and fear, not really questioning where those emotion driven thoughts are leading them. To spend your life living in fear, never exploring your dreams is cruel. To work hard for money thinking that money will buy you things that will make you happy, is also cruel. To wake up in the middle of the night terrified about paying bills is a horrible way to live. To live a life dictated by the size of a paycheck is not really a life! Thinking that a job will make you feel secure is lying to yourself.
Majority of us are in rat race. This is where you work for the government paying taxes, work for owners of companies, work for banks paying off mortgages and credit cards. You offered more money but continue the cycle by increasing your spending. Well my most valuable lessons learnt from Kiyosaki are here….get set….
1) The Rich Don’t Work for Money
If you want to be rich, you have to learn to make money. The poor and middle class work for money while the rich have money work for them. If you’re the kind of person who has no guts, you just give up every time life pushes you then you live all your life playing it safe, doing the right things, saving yourself for some event that never happens. So you die a boring old man, have a lot of buddies who really like you because you were such a nice hardworking guy. You spent life playing it safe, doing the right things but truth is you let life push you into submission.
Learn to use your emotions to think not think with your emotions. Use your emotions and mind in your favor not against yourself. Example: when you say I need a job it’s most likely an emotion doing the thinking. Fear of not having money generates that thought. Life is the best teacher of all. Most of the time, life does not talk to you. It just sort of pushes you around. Each push is life saying “wake up. There’s something I want you to learn.”
Poor dad said: I’ll never be rich, money doesn’t matter. Rich dad said: am rich, money is power, I don’t work for money, money works for me.
2) Keep It Simple Stupid(KISS)
People have been getting richer and richer, but in the long run it’s not how much you make; it’s how much you keep and how many generations you keep it. Students work harder but don’t get ahead. What is missing from their education is not how to make money but how to spend money- financial aptitude ( what you do with the money once you make it, how to keep people from taking it from you, how long you keep it and how hard that money works for you.)
Know the difference between an asset and a liability and buy assets. In short invest in more assets that generate income than expenses that take away from you. Have those Japanese powers that are most valued: sword(weapons), jewel(money) and mirror( self knowledge). Fear of being different prevents people from seeking new ways to solve their problems. Financial problems are caused by going along with the crowd and trying to keep up with what everyone is doing. There is need to look into the mirror and be true to our inner wisdom.
3) Mind Your Own Business
What is your business? I call it side hustle. Do not confuse profession with business. Hmmm how frequent we mismatch the two. The mistake in becoming what you study is that too many people forget to mind their own business.
You can mind this business by investing in real assets those that do not require your presence, anything that has value, produces income or appreciates and has a ready market. Examples of assets can be stocks, bonds, mutual funds, income generating and real estate, royalties, notes(IOUs) etcetera. Buy luxuries last not first. Did your hear me? Last!

3 more lessons to go. Yippee. Next we gonna look at our financial IQ. Yes we all got that genius factor. Keep it right here for that👐

Posted in book review, Business, entrepreneurship, finance, inspiration, my library, personalgrowth, planning, reading

Rich dad, poor dad: Book Review 1) On your mark

“Go to school, get good grades and look for a safe secure job,” our parents told us and even some continue to tell the bad advice even in this era. Old advice no longer works with the millennial generation who now know success no longer comes from good education and those gorgeous grades. Well, the child excels with good grades but with a poor financial programing mind set they end up in a rat race or a dairy cow ready for milking.
One day we got to arguing with my buddy who was astonished that I don’t like self help books. I do real motivational books from people I have had a rough idea about their lives I must have uttered out. That debate went further when we went to Two Rivers TBC and as I gazed at books he kept moving from one corner to another and I asked what he was looking for? He went to the business segment and too bad he didn’t find his treasure. Rich dad, poor dad was the book he really insisted that I should give a shot at. As a good girl I promised I would since this is the book that changed his mindset and he attributes his personal achievement to it. Now he is the CEO and founder of Freelance  Y’all who love writing and want to convert PayPal transactions to your Mpesa account he is the guy you need to hook up with (this advertising you doesn’t come for free Simon😉).
Any who, I got the book from a book club member and hallelujah!!! Just the sense I needed kicked in into my brain and a lot of you need it too. So don’t panic, we just getting started in lifetime lessons I gained from Richard Kiyosaki. Well my summary shall be subdivided into a number of posts probably 3.
GETTING STARTED
Our financial genius is asleep waiting to be called upon. It is asleep because our culture has educated us into believing that the love of money is the root of all evil. You sick and tired of getting up, going to work, paying bills and the cycle never ends? Well here are 10 tips on how to prove your proficiency at both accounting and investing:
1) Pay yourself first- Power of self discipline.
Don’ t go to large debts positions that you have to pay for. When you come up short, let the pressure build and don’t dip into your savings or investments.
2) Pay your brokers well- Power of good advice. Find a broker who has your best interests at heart. They are professionals and the more money they make, the more money you get.
3) Need a reason greater than reality- Power of the spirit.
4) Choose daily- Power of choice
5) Master a formula and then learn a new one- Power of learning quickly. You become what you study.
6) The need for heroes- Power of myth. They make things look easy even when they don’t.
7) Be an Indian giver- Power of getting something for nothing.
8) Assets buy luxuries- Power of focus. To be the master of money, you need to be smarter than it.
9) Choose friends carefully- Power of association.
10) Teach and you shall receive- Power of giving. If you want to learn about money, teach it to someone else. (I guess am already doing the effect on you☺).
Fully equipped with the start ignition, shall we now look at how to drive this money thing?
SOME TO DO’S
1) Look for new ideas – investing ideas
2) Take a break and assess what is working and what is not working
3) Learn from history
4) Take classes and buy tapes
5) Know what you looking for and look in the right places
6) Jog, walk or drive a certain area once a month
7) Make lots of offers
8) Take someone who has done what you want to do. Ask for tips.
Hold onto that brake as this ride ain’t smooth as you think! Bumpy huh! Yes so rough. Obstacles come our way and in the money business it is even more risky.

OVERCOMING OBSTACLES
1) Fear- Know how to handle it. That makes the difference. Many people want to go to heaven but do not wanna die. Many people want to be rich but are afraid of losing.
2) Laziness- This is by pretending or been busy. The cure for this is having some little greed. Greed😕! Yes when money speaketh you have to and be armed with the WII-FM slogan (What’s In It For Me.) Do what you feel in your heart to be right for you will be criticized anyway. You will be damned if you do and damned if you don’t.
3) Arrogance- Ego+ ignorance. When you know you are ignorant in a subject, start educating yourself by finding an expert in the field or find a book on the subject. (Ooh stop the know-it-all act! In my land we call one ‘mjuaji’ and in my mother tongue ‘ kimenyi’.)
4) Overcoming cynicism- We all got chicken little minds; unchecked fear and doubt that makes us play the “what if” game. Solution to this is by frying it!
5) Habits- Our lives are a reflection of our habits than education. Pay yourself first before the bank or government. It makes you financially stronger- mentally and fiscally.

Digest that first as next time we shall cover on the 6 lessons that make up the Rich dad, poor dad book. Be ready to know how the rich continue to be rich while the poor continue to be poor. At the end of this maybe you shall let me know if you think you are the rich dad or poor dad.
Happy New Month🎆🎇

Posted in community, personalgrowth, social work

Good Deeds Day

Fresh air, pomp and colour filled the air in the not so crowded city under the sun on a Sunday mid morning (Sunday is actually the best day for walking in Nairobi). KICC was the place to be as the international day of volunteering went down in a terrific way. Good deeds marked every 2nd April is a day of doing good for a better society. Launched by Shari Arison, an Israel businesswoman and philanthropist, her remark during the launch summarizes what this event unfolds:

I believe that if people will think good, speak good and do good, the circles of goodness will grow in the world. Good Deeds Day has become the leading day of giving and this year individuals, school children, students, soldiers and employees from many businesses are joining in for the annual Good Deeds Day with the aim of doing a good deed for others

An invitation from my boss in our work WhatsApp group(one of the many reasons we love her), made me mark my calendar to a must attend event. All alone, I visited tent to tent interacting with the many organizations that had come to showcase their works. I was impressed by artists who make a living from their unique designs, internationals who had just got to the country and already had mastered our national lingo( Swahili ain’t hard after all), youths who were having different initiatives in uplifting our communities through advocacy, securing food security, changing street children lives to persons with disabilities who had embraced that disability is not inability and so much more.

My favorite segment was getting to ask questions, having one on one discussions made me go yay on my confidence, public speaking abilities and the part where cards are exchanged was a better way to create links. I got to add more on my knowledge plus embrace organizations I never knew. Can’t wait for the next one.

What did you do on this day?

For a collection of cards and fliers I got visit my Instagram page evanyambu for those details. PS: its is a private account, a request first will do the talking 😉.

 

Posted in African literature, book review, gender, humour, Lifestyle, my library, personalgrowth, reading, sexuality

Hairdresser Of Harare

What happens when everything you have believed in, the praise, pride and entire attention finally disappears in a snap? Faint probably. Vimbai was a known hairdresser in Mrs. Khumalo’s hair salon who believed in making her clients look like white women since they all wanted a style that mimicked so and so from magazines. She rubbed shoulders with the who is who in Zimbabwe and she took comfort in been the best.  The setting takes place in Zimbabwe during Mugambe’s reign which depicts the rising useless dollar currency as citizens try to make ends meet. Not until one day Dumi, a young man appears from the bush and gets the city talking. He takes over as the best hairdresser, promoted to manager and at one time the other hairdressers receive their first pay rise thanks to unending clients. He even starts selling condoms and the salon changes its talks to sex!

When I read the book my guts told me the lad was gay and this had me read it all and bum- he was gay. This is proven when he moves to Vimbai’s house since his expenses are cut off from his accounts by his father who found out he had an affair with a white guy. She seduces him but nay women ain’t his brood. At a church service the pastor preached on homosexuality and Dumi opted they leave for the salon. Next prove is when Vumbai found him with MR.M in her house and it is shrugged off as a business talk not forgetting the glances at the salon were strange. To the real prove of all this is when Vimbai in love finds his dark diary under his bed and shoot-trouble looms.

Before all this truth in the last chapter😉yeah, i started with the last bits ,Tendai shows how culture shuns one off in the inheritance of property especially when women get it all. When Vimbai’s elder brother died in the UK,  his big mansion was left to Vimbai creating a will contest amongst her brothers but she won the case and ended up been hated by family apart from her younger brother Fungai who bothered to check up on her.

Like any other naive girl, Vimbai fell in love with a sugar daddy who pampered her with gifts but we know how the game gets played. Philip was the old bastard who raped her and Chiwoniso was born. Even today we clearly see young girls taking off with older men for luxury and good upkeep only for a lonely poor future when they hit the road.

Another disturbing element is misconduct towards house helps. There is always the notion that village girls don’t know a damn about housekeeping and city girls will strike you dead with their cunning ways.  Another fear factor is that you never allow her to wash your kids because abuse is everywhere and from doing it yourself you testify if indeed molestation happens when you away. Mandei wa Vs’s help who doesn’t receive praise but ridicule from her boss till one day she decides to treat her well; out of love frustrations.

The Ncubes, Dumi’s family get to know V after she attends Patrick’s wedding as Dumi’s plus one. Chemistry clicks off and she is liked by his entire family for saving their son. They even pamper her with trips, she gets a passport thanks to Mitchell corrupted ways and on her birthday she gets a salon of her own. Talk of heaven blessing her abundantly. It is not all rain and sunshine in her world when Dumi’s dirty diary is found and she alerts Mrs.M who sends out her mob to kill Dumi. With his life on the verge of death, Vimbai blames herself for letting the cat out of the bag but Mr.M assures Dumi of an escape to the UK. Mrs.M however has all Dumi’s belongings including his passport and no way can he leave. It is up to V to trade her life with the passport for Dumi’s safety.

This book has got a lot of comparison from then and now:

1) Back in the days hairdressers were women and a man who took up the task was regarded a sissy. Look at the best salons in today’s world all accumulating young men with creativity and passion that takes them to higher heights. I also want my hair done by a man, who doesn’t?

2) In the African culture homosexuality was a taboo and believed to be Westernized. The white people were regarded as the masterminds who corrupted our morals. Not blaming anyone in the present, the numbers of homos parading themselves in our streets is alarming and all I can say is quote Fungai’s philosophical thinking……….

The question of what the human body may or may not be used for is one that is as old as time itself. The question of what is termed human sexuality is perhaps even older. We assume that there are two types of sexuality since everything is made in pairs. Therefore,  when you look at what you think is a man and what you think is a woman, you fail to recognize or acknowledge other ambiguous possibilities eg. Hermaphrodites. ( What he says next might contradict me)😉

3) It was disturbing for a young man to be in a relationship with an elder woman who had a child. However, from the book the Ncubes are OK with it as long as their son’s secret is not revealed. Today we don’t hide secrets and it is very alright for one to love whoever. Age is just a number any who and kids are a blessing, we tell ourselves!

4) Racism was still present as a commotion  between white and black clients erupted in the salon. Power ruled and a group of guerrillas beat the color out of you. Today not so much is evident but we can smell it from a distance.

5) You should know people. People to run to for favors by chunking away a lumpsum to get deals done. Vumbai had no passport and to avoid the long queues, longer processes, Mitchell would jump in and help her secure one in a day! The wealthy speaketh in communities. Nowadays if you don’t have a godfather somewhere things might take eternity for fulfillment but hey I always think only the lazy go for godfathers. Why would you need one anyway?

6) Jealousy, anger, hatred and betrayal consume us when one challenges our careers. Vimbai had the right to be jelo but what was she not doing right? From the black diary, Dumi wrote that she lacked creativity from the soul-she was too mechanical. Today, we do things to please people, for the sake of it not taking into considerations how it makes them feel in the long run. Learn to do things from the soul.

7) On the inheritance issue customary law did not include women in the right to property. However, the law states that women have a right to equal inheritance as their male counterparts. The argument in the book and today is that the woman leaves her father’s home and is married elsewhere where she finds land. What if she doesn’t find land there? As long as the will includes or doesn’ t include her, she has a right to contest for her share. Period! Never argue with the law.

8) Rejection of men. Why is it that when a lady rejects your wooing the next thing that splits itself from your mouths is hate speech? V rejected many and all she got was “you ugly, you will die alone” naysay. Flashforward, it still happens and they hate to be turned down. If I  don’t like you, I simply don’t like you. Why is it hard to swallow that?

9) Punch lines. I would not be a-ow-kay if I don’t write this. We all get wooed but the lines this pot bellied man on the streets said to Vimbai got me thinking of DJ Khaleed and how he would put them across. Never mind me am that hiphop lady. This works out today I think…

God must be missing an angel because girl when I saw you, I knew you must be one of his angels. You must be a hell of a thief because you stole my heart just by the way you walk. Hell, baby, you are hard to get but let me be your Romeo and I’ll treat you like the princess you are.

10) Music. Rhumba is what people loved- Kofi Olomide , Awilo Longomba, Papa Wemba and this proved how people were loyal to their culture till  Dumi changed all that to urban grooves. The transition of music shows how it has progressed from then to now. Which genres do you like?

11) Pastors, pastors, pastors! Getting their flock pregnant was another but blaming it on the holy spirit was outrageous! Patricia a hairdresser got impregnated by Pastor Chasi making her get fired from her post. Is it not true even today we see pastors who are the holiest of hollies going contrary to their teachings?

12) Lastly, a book is not a book if it does not take you into the moment and let you feel you in the scene already. I was in Zimbabwe riding on kombis (buses I presume), taking tanganda tea, eating matemba and sadza, learning the traditional  greetings of makadini henyu, selling maputi and freezits,  walking on streets bearing Mugambe’s names to talking the Shona lingo. Not forgetting the worthless currency that is still present in the country.

…..and Mugabe is still president😮