Monday, August 3, 2009

rich dad, poor dad

nimekutana na kitabu hiki nilichokisoma miaka mitatu iliyopita kikaninyima motisha wa kusoma. hebu soma intro harafu tutaendelea kukichambua taratibu....

INTRODUCTION

There is a Need
Does school prepare children for the real world? "Study hard and getgood grades and you will find a high-paying job with great benefits,"my parents used to say. Their goal in life was to provide a collegeeducation for my older sister and me, so that we would have thegreatest chance for success in life. When T finally earned my diplomain 1976-graduating with honors, and near the top of my class, inaccounting from Florida State University-my parents had realized theirgoal. It was the crowning achievement of their lives. In accordancewith the "Master Plan," I was hired by a "Big 8" accounting firm, andI looked forward to a long career and retirement at an early age.My husband, Michael, followed a similar path. We both came fromhard-working families, of modest means but with strong work ethics.Michael also graduated with honors, but he did it twice: first as anengineer and then from law school. He was quickly recruited by aprestigious Washington, D.C., law firm that specialized in patent law,and his future seemed bright, career path well-defined and earlyretirement guaranteed.Although we have been successful in our careers, they have

8 comments:

Fadhy Mtanga said...

So interesting, lakini imalizie tujue kilichojiri.

Chacha Wambura said...

Kaka KL, ulipaswa kuiweka hii maneno baada ya mimi kumalisa shule. Unajua waweza kushtakiwa kwa uchochezi kama nikiacha shule?

Anyway,endelea na story tuone namna ambavyo hii maneno inakwenda labda twaweza kujifunza kitu ;>)

kamala Lutatinisibwa Lutabasibwa said...

n dio. kitabu ni kirefu sana kuwekwa hapa, ila nitakuwa nikichambua kidogo kidogo na kutundika baada ya muda fulani ili tupate kilichoma

Chacha Wambura said...

KL, uliishia pahala, mie naendeleza mpaka pahala pengine....

endeleen kuthoma

Chacha Wambura said...

Although we have been successful in our careers, they have not turned out quite as we
expected. We both have changed positions several times-for all the right reasons-but
there are no pension plans vesting on our behalf. Our retirement funds are growing
only through our individual contributions.

Michael and I have a wonderful marriage with three great children. As I write this, two
are in college and one is just beginning high school. We have spent a fortune making
sure our children have received the best education available.

One day in 1996, one of my children came home disillusioned with school. He was
bored and tired of studying. "Why should I put time into studying subjects I will never
use in real life?" he protested.

Without thinking, I responded, "Because if you don't get good grades, you won't get
into college."

"Regardless of whether I go to college," he replied, "I'm going to be rich."
en looking for."

Chacha Wambura said...

"If you don't graduate from college, you won't get a good job," I responded with a
tinge of panic and motherly concern. "And if you don't have a good job, how do you
plan to get rich?"

My son smirked and slowly shook his head with mild boredom. We have had this talk
many times before. He lowered his head and rolled his eyes. My words of motherly
wisdom were falling on deaf ears once again.

Though smart and strong-willed, he has always been a polite and respectful young
man.

"Mom," he began. It was my turn to be lectured. "Get with the times! Look around; the
richest people didn't get rich because of their educations. Look at Michael Jordan and
Madonna. Even Bill Gates, who dropped out of Harvard, founded Microsoft; he is
now the richest man in America, and he's still in his 30s. There is a baseball pitcher
who makes more than $4 million a year even though he has been labeled `mentally
challenged.' "

There was a long silence between us. It was dawning on me that I was giving my son
the same advice my parents had given me. The world around us has changed, but the
advice hasn't.

Getting a good education and making good grades no longer ensures success, and
nobody seems to have noticed, except our children.

"Mom," he continued, "I don't want to work as hard as you and dad do. You make a lot
of money, and we live in a huge house with lots of toys. If I follow your advice, I'll
wind up like you, working harder and harder only to pay more taxes and wind up in
debt. There is no job security anymore; I know all about downsizing and rightsizing. I
also know that college graduates today earn less than you did when you graduated.
Look at doctors. They don't make nearly as much money as they used to. I know I can't
rely on Social Security or company pensions for retirement. I need new answers."
He was right. He needed new answers, and so did I. My parents' advice may have
worked for people born before 1945, but it may be disastrous for those of us born into
a rapidly changing world. No longer can I simply say to my children, "Go to school,
get good grades, and look for a safe, secure job."

I knew I had to look for new ways to guide my children's education.
As a mother as well as an accountant, I have been concerned by the lack of financial
education our children receive in school. Many of today's youth have credit cards
before they leave high school, yet they have never had a course in money or how to
invest it, let alone understand how compound interest works on credit cards. Simply
put, without financial literacy and the knowledge of how money works, they are not
prepared to face the world that awaits them, a world in which spending is emphasized
over savings.

When my oldest son became hopelessly in debt with his credit cards as a freshman in
college, I not only helped him destroy the credit cards, but I also went in search of a
program that would help me educate my children on financial matters.

One day last year, my husband called me from his office. "I have someone I think you
should meet," he said. "His name is Robert Kiyosaki. He's a businessman and investor,
and he is here applying for a patent on an educational product. I think it's what you
have be

Chacha Wambura said...

kaherufi kanako miss in 'been waiting for.

Sasa KL, tifafanulie-ko kidogo hii maneno

kamala Lutatinisibwa Lutabasibwa said...

thanx marwa, tutaendeleza ngwe tu hapa hapa ili tuone inakuwaje juu ya utumwa akili