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If you were to start again, what would you do different
Rank: Elder Joined: 9/23/2009 Posts: 8,083 Location: Enk are Nyirobi
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enyands wrote:sparkly wrote:@Jon Jones, @Aljazeera, @enyands cut to the chase. What are you selling?
There is no living 23 year old with financial circumstances/ problems that you described. What we are selling is if you have no help you want to give him it's better you leave him to figure it out than tell him something like what you did.you make it sound like here in wazua we have rude breed of people. Pole if I sound mean but it's what I see. @rjaz, @aljazeera, @jon Jones, @enyands are multiple handles of one person. Life is short. Live passionately.
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Rank: Elder Joined: 12/25/2014 Posts: 2,301 Location: kenya
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sparkly wrote:enyands wrote:sparkly wrote:@Jon Jones, @Aljazeera, @enyands cut to the chase. What are you selling?
There is no living 23 year old with financial circumstances/ problems that you described. What we are selling is if you have no help you want to give him it's better you leave him to figure it out than tell him something like what you did.you make it sound like here in wazua we have rude breed of people. Pole if I sound mean but it's what I see. @rjaz, @aljazeera, @jon Jones, @enyands are multiple handles of one person. U just made my evening .. 
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Rank: New-farer Joined: 6/22/2015 Posts: 51 Location: Nairobi
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enyands wrote:sparkly wrote:enyands wrote:sparkly wrote:@Jon Jones, @Aljazeera, @enyands cut to the chase. What are you selling?
There is no living 23 year old with financial circumstances/ problems that you described. What we are selling is if you have no help you want to give him it's better you leave him to figure it out than tell him something like what you did.you make it sound like here in wazua we have rude breed of people. Pole if I sound mean but it's what I see. @rjaz, @aljazeera, @jon Jones, @enyands are multiple handles of one person. U just made my evening .. @Sparkly How did you come to your conclusion ?Anyway am outta this thread! A Theory of Everything.
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Rank: Elder Joined: 9/23/2009 Posts: 8,083 Location: Enk are Nyirobi
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enyands wrote:sparkly wrote:enyands wrote:sparkly wrote:@Jon Jones, @Aljazeera, @enyands cut to the chase. What are you selling?
There is no living 23 year old with financial circumstances/ problems that you described. What we are selling is if you have no help you want to give him it's better you leave him to figure it out than tell him something like what you did.you make it sound like here in wazua we have rude breed of people. Pole if I sound mean but it's what I see. @rjaz, @aljazeera, @jon Jones, @enyands are multiple handles of one person. U just made my evening .. Gland I did. Let's not forget the basics in the rush to advise... Age 21-27: Age of starting careers. moving out of home. most income goes into buying stuff- households, electronics, first car. Best investment is in further education, professional courses. Age 28-35: Age of growth. Established in career, moving into management, gets married, young family, upgrade car and neighborhood. Age 36-42: Age of stability. career and earnings peak, probably gets a mortgage/constructing. Age 43-49:Age of maturity. Kids in school, big household budget, mid life crises. Age 50-56: Achievement. Kids in campus/moving out, completes mortgage, about to retire. Age 57-69: Retirement, end of active income, holidays, grand kids, most expenses are health related. 70+ Bonus. Bottom line is that a 23 yr old earning 100k net with a 8-5 job and 75k to spare will be busy moving out of his parents house, furnishing the house, shopping for a Subaru and enjoying freedom. Best thing to do would be to save for self improvement/further studies. move into a bed sitter/studio apartment conveniently located near the workplace. This eliminates need to buy a car. Furnish it minimally, stuff he can give away or sell in case he wants to relocate for further studies. Life is short. Live passionately.
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Rank: New-farer Joined: 6/22/2015 Posts: 51 Location: Nairobi
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sparkly wrote:enyands wrote:sparkly wrote:enyands wrote:sparkly wrote:@Jon Jones, @Aljazeera, @enyands cut to the chase. What are you selling?
There is no living 23 year old with financial circumstances/ problems that you described. What we are selling is if you have no help you want to give him it's better you leave him to figure it out than tell him something like what you did.you make it sound like here in wazua we have rude breed of people. Pole if I sound mean but it's what I see. @rjaz, @aljazeera, @jon Jones, @enyands are multiple handles of one person. U just made my evening .. Gland I did. Let's not forget the basics in the rush to advise... Age 21-27: Age of starting careers. moving out of home. most income goes into buying stuff- households, electronics, first car. Best investment is in further education, professional courses. Age 28-35: Age of growth. Established in career, moving into management, gets married, young family, upgrade car and neighborhood. Age 36-42: Age of stability. career and earnings peak, probably gets a mortgage/constructing. Age 43-49:Age of maturity. Kids in school, big household budget, mid life crises. Age 50-56: Achievement. Kids in campus/moving out, completes mortgage, about to retire. Age 57-69: Retirement, end of active income, holidays, grand kids, most expenses are health related. 70+ Bonus. Bottom line is that a 23 yr old earning 100k net with a 8-5 job and 75k to spare will be busy moving out of his parents house, furnishing the house, shopping for a Subaru and enjoying freedom. Best thing to do would be to save for self improvement/further studies. move into a bed sitter/studio apartment conveniently located near the workplace. This eliminates need to buy a car. Furnish it minimally, stuff he can give away or sell in case he wants to relocate for further studies. @Sparkly you have finally said something good to the young man. A Theory of Everything.
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Rank: Elder Joined: 12/25/2014 Posts: 2,301 Location: kenya
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aljazeera wrote:sparkly wrote:enyands wrote:sparkly wrote:enyands wrote:sparkly wrote:@Jon Jones, @Aljazeera, @enyands cut to the chase. What are you selling?
There is no living 23 year old with financial circumstances/ problems that you described. What we are selling is if you have no help you want to give him it's better you leave him to figure it out than tell him something like what you did.you make it sound like here in wazua we have rude breed of people. Pole if I sound mean but it's what I see. @rjaz, @aljazeera, @jon Jones, @enyands are multiple handles of one person. U just made my evening .. Gland I did. Let's not forget the basics in the rush to advise... Age 21-27: Age of starting careers. moving out of home. most income goes into buying stuff- households, electronics, first car. Best investment is in further education, professional courses. Age 28-35: Age of growth. Established in career, moving into management, gets married, young family, upgrade car and neighborhood. Age 36-42: Age of stability. career and earnings peak, probably gets a mortgage/constructing. Age 43-49:Age of maturity. Kids in school, big household budget, mid life crises. Age 50-56: Achievement. Kids in campus/moving out, completes mortgage, about to retire. Age 57-69: Retirement, end of active income, holidays, grand kids, most expenses are health related. 70+ Bonus. Bottom line is that a 23 yr old earning 100k net with a 8-5 job and 75k to spare will be busy moving out of his parents house, furnishing the house, shopping for a Subaru and enjoying freedom. Best thing to do would be to save for self improvement/further studies. move into a bed sitter/studio apartment conveniently located near the workplace. This eliminates need to buy a car. Furnish it minimally, stuff he can give away or sell in case he wants to relocate for further studies. @Sparkly you have finally said something good to the young man. @aljazeera, me you and the gentleman to sparkly eyes are assumed to be the same person in different user names .anyway he has given the young man good advise and let the case rest .
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Rank: Elder Joined: 3/29/2011 Posts: 2,242
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Jon Jones wrote:Hello Wazua Veterans. I am a young person aged 23yrs...salary around Ksh 100,000 net. I believe that most of you were once here at some point. Single, and not ready to mingle. I have been having many thoughts on how to use my extra cash because my expenses hardly reach 25k. Sometimes I think of buying a car, other times I think of land, matatu, etc. Please note that I have a full time job 8-5. I figured that since most wazuans have been at this point before, I can get some insight in things they would have done differently, and then apply them in my own life. Thanks in advance! @Jon Jones, I was where you are 20yrs ago, earning 60k then. Here is my "old Mans" wisdom. 1. Before you get to 25, "settle down",i mean marry or get married, if you even plan to take that route. Don't hussle alone. Life is tough and one is too small a number for impact! 2. Look for a plot and build a home, where you can raise a family. This helps develop a long term view of life. The idea of renting and Kuhama hama , which i call a "pastoralists idea" is not good. 3. Build your career: Get all the requisite papers in your career line b4 you get to 30. After the papers, then solidify your career by identifying where you like to work and stick there. That way you become an authority early and the rest will be nyweeeeeee like in mteremko. 4. Avoid side hussles that are time and cash consuming. By the time i was 30, i had lost money in all money of biasharas- online catalogue ( never picked up), export of a unique product- used to make like 10times profit but conmen gallore and quit, Chicken farming--- imagine walking to wakulima market at 4.00am dressed in a suit to make a delivery and then move to woork before it. Side hussles were not worth it and lost cash. 5. Pack extra cash in cheap land where there potential of growth. Do the assessments yourself and don't relly on Saccos and land selling companies. They sell land at 2-5times what land in the same neighborhood goes for. 6. Avoid get rich schemes: Don't trust your barber shop guy to give you advice on gold. 7. Join several Saccos: They say it's illegal to be a member of more than one, but no one ever checks. Banks are a rip-off all the time, but Saccos can easily bail you out when you need cash. Come back after 20 yrs and thank me. "Things that matter most must never be at the mercy of things that matter least." Goethe
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Rank: Member Joined: 1/20/2015 Posts: 489 Location: Nairobi
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Gathige wrote:Jon Jones wrote:Hello Wazua Veterans. I am a young person aged 23yrs...salary around Ksh 100,000 net. I believe that most of you were once here at some point. Single, and not ready to mingle. I have been having many thoughts on how to use my extra cash because my expenses hardly reach 25k. Sometimes I think of buying a car, other times I think of land, matatu, etc. Please note that I have a full time job 8-5. I figured that since most wazuans have been at this point before, I can get some insight in things they would have done differently, and then apply them in my own life. Thanks in advance! @Jon Jones, I was where you are 20yrs ago, earning 60k then. Here is my "old Mans" wisdom. 1. Before you get to 25, "settle down",i mean marry or get married, if you even plan to take that route. Don't hussle alone. Life is tough and one is too small a number for impact! 2. Look for a plot and build a home, where you can raise a family. This helps develop a long term view of life. The idea of renting and Kuhama hama , which i call a "pastoralists idea" is not good. 3. Build your career: Get all the requisite papers in your career line b4 you get to 30. After the papers, then solidify your career by identifying where you like to work and stick there. That way you become an authority early and the rest will be nyweeeeeee like in mteremko. 4. Avoid side hussles that are time and cash consuming. By the time i was 30, i had lost money in all money of biasharas- online catalogue ( never picked up), export of a unique product- used to make like 10times profit but conmen gallore and quit, Chicken farming--- imagine walking to wakulima market at 4.00am dressed in a suit to make a delivery and then move to woork before it. Side hussles were not worth it and lost cash. 5. Pack extra cash in cheap land where there potential of growth. Do the assessments yourself and don't relly on Saccos and land selling companies. They sell land at 2-5times what land in the same neighborhood goes for. 6. Avoid get rich schemes: Don't trust your barber shop guy to give you advice on gold. 7. Join several Saccos: They say it's illegal to be a member of more than one, but no one ever checks. Banks are a rip-off all the time, but Saccos can easily bail you out when you need cash. Come back after 20 yrs and thank me. I agree with most of the tings that you have written above, but i disagree on the one that says that you should marry or be married. So according to you, you are marrying in order to get a helper and not because you are in love? i think for most of us who live in nairobi, marrying should be an affair of people who are 30 and above! at 25 you will be restricting yourself so much with a wife and a kid Enjoy every moment of your life, you never know when your time will come.
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Rank: New-farer Joined: 8/23/2015 Posts: 64 Location: nairobi
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Jon,
Join a good sacco,contribute as much as you can, actually, put a standing order if u can.
also,start buying plots in the range if 400-700 on the outskirts of Nairobi.
forget about the transport business for now and concentrate on real estate.
*Nairobi chiqs will milk u dry!! forget them!!
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Rank: Elder Joined: 12/25/2014 Posts: 2,301 Location: kenya
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point wrote:Jon,
Join a good sacco,contribute as much as you can, actually, put a standing order if u can.
also,start buying plots in the range if 400-700 on the outskirts of Nairobi.
forget about the transport business for now and concentrate on real estate.
*Nairobi chiqs will milk u dry!! forget them!! Groom one from oocha. U don't need to marry her right away but be friends. when the time is ready for you to marry,then u marry your friend than bed associate. Look for long term investment goals like joining several saccos .this a good point from above . If I could take my years back to where you are I would have made better choices .but learn from guys above . I rest my case and tell us your success later .
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