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🎆🎇

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Posted in communication, management, planning

Visit to the Visitors Book

The book we didn’t go to the bookshops looking for. The book we didn’t sit and discuss our notions out in our bookclubs. The book you didn’t need a library card to go find it. The book you never found in anyone’s bookshelf. The book we all read and wrote like signing an “i was here” permanent mark on it. The book that keeps lying around on tables in every office reception. The book they keep on producing in exhibitions to showcase the number of guests who had an interest in their products as if that is what really matters than the sales! The book where the title never changes despite the numerous décors designed for it. The book that has been making me think out loud and ponder why the good welcome, good work, keep up vibes that make go blah😛. Nothing more, nothing less. That book, the visitors book is what am talking about.

We buy into what the book has to say and toast to the company’s reputation as if a 5-30minute visit made you go through all records before pouring out your comments. We believe that our employees have adhered to the rules and regulations; while an end of year party does the talking. Hurrray!🎇

Come to those who hide their books for God knows what and a new one is produced when VVIPs make an appearance. The masking makes me wonder what muffin is in the oven that doesn’t want to be out while we smile to show how pleased the visit was before normalcy resumes.

17300701
The kinda look we give when we hide the old book and produce the new one

I spared my ink and fingers in that book unless I knew my comments would make sense. I stopped blinding institutions in the competitive globe where a spade is a spade and not spoon. Let’s us be real, let’s be honest and give the visitors book the kind of visit it deserves!

📝📖📒

PS: Am thinking in our blogs there needs to come a theme with the visitors book or an app we can add to our blogs. Anyone with a clue😕?

 

Posted in #life, African literature, book review, inspiration, my library, Pages, personalgrowth, planning, reading

Reading Challenge

This year i decided to read one book each month amounting to 12 books. The stakes could have gone higher but with a project, report and work at hand that balance could not go beyond that. I started, i laughed, i felt teary, i dozed off, i felt that some authors needed to redo their books; to some the suspense they left me with needed a book 2 to it and to another i gave up! At times a month would wind up without finishing a book and i had to squeeze it as another was awaiting.

Am glad that this year has been my year so far since i have been able to achieve most of my resolutions and hope the trend continues. As for 2017 i double the books, 2 books a month to make it to 24. Yey and then i shall be the nerd that reads a book each week. Gods speed.

Back to the books I’ve read this year i can summarize them as follows:

Most comic book: Blackass by Igoni Barrett

Most emotional book: Finding me. A decade of darkness, a life reclaimed. A memoir of Cleveland kidnappings by Michelle Knight

Most boring book: The Prague Cemetery by Eco Umberto

Re-do your books: And the mountains echoed by Khaled Hosseini and The Prague Cemetery by Eco

Book 2 please: Blackass by Igoni Barrett

Supernatural book that made me feel in a movie: Zoe (Earthen Witch World Shorts #2) by Sarah Doughty

Inspirational books: The Alchemist by Paulo Coelho and Who will cry when you die by Robin Sharma

Relationship book: Men are from mars, women are from venus by John Gray

Best memoirs: The Glass Castle by Jeannette Walls and Long Walk to Freedom by Nelson Mandela

Best African, feminism, racism books: The Heart of a Woman by Maya Angelou and Americanah by Chimamanda Ngozi

What is your reading challenge goal?

Here’s the link to my good-reads:

https://www.goodreads.com/user/show/47539056-eva

 

Posted in finance, management, personalgrowth, planning

Money Matters

I had my money well accounted for to take me through for two weeks. Then I met a shoe, a trouser, skirt of my liking and then that accounting discipline was washed away by my impulse buying. Came 1 and a half week and the difference between me and a church mouse was the term POOR. In fact the only coin left on my wallet was transport money to take me to and fro to my destination. How the next day journey would be, only my head knew best from the vigorous thinking and scratching I had made it to. This was not a one-time thing but it had occurred to me on several occasions

Accounting for money requires one major SELF-DISCIPLINE. After realizing that I needed to grow up and not squander money aimlessly I came up with a practical plan.

  1. Piggy bank- this is not that pink pig that kids are excited to drop a coin they receive but I needed my own custom made “piggy bank”. One of my girlfriends asked me what I did with the balance I got from buying things. To me that change was a bonus to buy airtime, sweets,a snack or top up to the rest of the money. Then she told me to be keeping it separately from the rest of the money and all my balances would go there. So I improvised a “balance wallet” that would not be touched till maybe end of the month or when I was really broke. I tried it and to my utter surprise that has been one saving method right there.
  2. Fixed savings bank account – you don’t need to be earning a lot of money but that little savings in a day can be deposited in your bank account that of course limits your withdrawal rates and on the other hand earns you interest.
  3. Close my eyes and block my ears – temptations are everywhere and the hunger cannot be satisfied unless you buy or eat that thing you like. So whenever I bump into something and someone says it’s my type or it would look good on me I just assume I didn’t hear or see it. I only buy necessities and luxury things will have to wait until am earning real good or when it’s that time to pamper myself.
  4. Mobile banking – the gadgets we carry around are a useful tool especially the M-shwari in the MPesa in my country that is. Upon receiving money and you have no idea on its usage just take it to the M-shwari account. At least it’s safer there plus the more you save, the more your loan borrowing rates increases.
  5. No loan – have you ever borrowed money as little as it is and after it’s over you wonder why you borrowed it in the first place? That is because it did not benefit you and instead it ended up satisfying your ego rather than handling constructive issues. Well, never ever borrow unless it’s EMERGENCY.
  6. Tag my money – I once saw it in a movie and I do not know how applicable this may be. So you see when you have all your money at the table and take different envelopes let’s say each bearing a name of the things you want to do. E.g. envelope 1 write bills, 2 food, 3 clothes etc. then on each envelope you allocate a certain amount before saving the rest. Take note that if the entertainment one runs down, you are not allowed to go to the bills one to top up. At the end of the month you are able to account on your spending habits and cut down on it. (that can work, right?)
  7. Chama – let me enlighten you, you digitized, proud folks who think that been in the so called “wamama” /women savings group is old fashioned. Am not talking about the merry-go-round groups where you have to wait until the calendar tires from been turned due to the big number of people in it; and at the end of it all maybe paying debts and family expenses is the best thing that can ever happen from it. No. Am talking of those chamas where you save up to buy a portion of land somewhere and build apartments or resell it, those where you start businesses, those that you shall learn from and see the world from a different angle. BIG investments. Doesn’t necessarily have to be a women group but even workmates or youth mates who share same sentiments as you to avoid its end before it starts. (Am searching for one or start one)

That is my nitty gritty on my money handling. What about you, how are you handling it?

Posted in communication, management, planning, technology

Dormant Websites

A website is meant to attract clients, speak out across nations and market an organization. However, lately as I’ve been interacting with some I noticed that the response never happens no matter how proudly they indicate “you will be replied within 24hours” or “24/7 attendance.” Moreover, the last time a website underwent upgrading was years back making it even more annoying, its conversations are outdated and others vanished into thin air “this website no longer exists.”

This speaks in volumes that either an organization doesn’t exist, is fake or they lack a qualified IT expert. Either way everything good turns ugly. We in the 21st century where digital platforms make conversations easier from the comfort of any corner in this planet. If you cannot engage clients through the “contact us” widget then that company is doomed.

Dear enthusiast entrepreneurs, first of all change that copyright of your website-we in 2016. Secondly, learn to engage with your website because am pretty sure some have no idea whatsoever of how they look like and make changes whenever they pop up. Thirdly, communicate regularly with clients and never leave them in doubt. Fourthly, if the website still is the same as the day it came to being then you need to change its looks maybe once or twice a year to keep it all attractive. Fifthly, hire a qualified technician.

I rest my case.