This thing of LIFE INSURANCE smells fishy to me!!!
How do i give a person nearly 1.5M Shillings (6K per month), then they sit on it for 18 years ....... and then give it back to me ...... all the while knowing full well that the probability of me dying is about ZERO!!!
Looks like someone wants me to open a fixed deposit account, but with ZERO interest ..... has all the markings of a con ..... the guys intend to trade with my money and give me NON of the PROFITS!!!
I believe I would be better off with a 20yr fixed deposit account at 6% interest, in which I deposit 6K monthly .....
Better yet, I may be better off investing in money making assets or PEOPLE .... that can bring bigger returns over time and build my reputation in the process ..... afterall money is just an idea, what you do with it is what gives it value ....
Screw LIFE INSURANCE .... its technically not possible to insure a "life" .... Life is meant to end at some unknown point BY DESIGN!!!
Huma on Business
My life and times as a businessman. I truly hope I make it, so that the stuff I write here can be used as "prophecy" ;-)
Friday 11 April 2014
Tuesday 28 May 2013
Business lessons from the Maasai culture
***
Summary: The traditional Maasai,
who many may consider backward and ignorant, may actually be using very
advanced ideas within their lifestyle, and these ideas lead them to have more
cool and “satisfying” lives. Maybe we can learn some lesson from them if we
also want to be happy and cool, and have a fat bank account in the process.
***
A lot of people would say that the Maasai are backward and have refused
to change with the times. They would say that their lifestyle is unsustainable
in the modern world, and that keeping and considering livestock as wealth is a
very backward idea. They would say that money
is the new deal, and that driving in an air-conditioned car to work in an
office for nine hours is the peak of success - on and on they would go. But
have they really looked deeply into what they are doing, or to the actual
reasons why these guys (Maasai) don’t seem to be very motivated to change?
Maybe it’s because their lifestyle is actually more advanced than ours. Let me
explain.
Right now, I can confidently say that there is nothing like “African
Culture” in existence. We all think that such a thing exists; living in grass
thatched houses, being broke and without food, thinking stupid thought, fighting
your brothers while considering foreigners to be gods, dying of simple
diseases. All these things paint a picture that “African Culture”, whatever it
may be, is equal to shit that needs to be flashed down a toilet. A good thing then,
that it actually doesn’t exist; there are hundreds of different cultures within
the African continent all being very different form one another (at least there
used to be).
There is nothing like “Kenyan Culture” in existence either. That idea
is just as fictional as “African Culture”. Kenya has about 42 tribes each with
its own characteristic culture; one of those being the Maasai culture.
The Maasai have many things within their culture, but what I want to
focus on here is their habit of keeping large numbers of cows, sheep and goats,
and walking around with them all day every day - Moving from one place to another always
looking for greener pastures. It is possible that many other cultures also used
to do the same thing, but it is only the Maasai that have endured even as
modern cities are built around them.
The Maasai walk around with their cows even in big cities like Nairobi,
and they see nothing wrong with this. Many people look at them from their posh
cars and feel ashamed; they feel that the likes of the Maasai are the one that
are “pulling the rest of us down”. They feel these chaps are ignorant and “ape
like” and should be forced by all means to abandon their cows and go to school
to learn that a concrete house with AC is important, and human legs are
useless; there is a thing called “a car” these days.
I used to think like this too, until today.
It was about 12:30pm, the sun was hot and directly overhead. I was
walking to my next assignment; on Mombasa road from City Cabanas toward the
airport (Business is tough I tell you). Unlike most Nairobians, I usually walk
so that I can exercise and also save money in the process, I only have 7
clients anyway – no rush. So, somewhere in between City Cabanas and “Fair n
Lovely” (or is it “Nice n Lovely”) there is land owned by the airport, and on
this land there are no buildings at all – just grass and bushes. I usually cut
though the bushes, as a shortcut, to get to one of my clients.
As I walked through the bush I saw this large herd of animals slowly moving
through the bush, and somewhere on one end a man and a child. They seemed to be
father and son. The father was holding a long wooden stick and the son was also
holding a stick, only a lot smaller and thinner. The son seemed to be excited
about something shaking his stick and behaving as if he wanted to jump like the
Maasai normally do. The father was behaving like he is calm and only partially
interested, but I could see from the small smile hidden on his face that he was
feeling proud and excited too. I guessed that the father had been teaching the
son something new about their culture and that the son was all excited about
the new knowledge, but the father was trying to stay calm – but he was happy
that the son was absorbing the info like a sponge. What father wouldn’t be
proud if his son was swallowing his teachings whole and acting all excited
about it?
Anyway, they proceeded to sit beside what appeared to be a huge anthill
– a tree was casting a shadow on it - and on and on they went, chatting away. I
passed barely 3 meter away from them and they didn’t even notice me, like I was
just part of the landscape.
A thought entered my head. It grew.
These two “guys” appeared to be backward, but they seemed to be way
happier and satisfied than I was, WTF! They are supposed to be miserable in
their backwardness, but these two are enjoying life. And a father is even
teaching a son the “ropes” of what it takes to do nothing but bask in the sun
the whole day!
So what’s the deal here? Why has the culture of these chaps endured,
and why do they seem so satisfied like they are not going to change anytime
soon.
What I am writing here is the result of this thought process. I didn’t
do any research into the Maasai culture or anything. I just used my assumptions
from what is stereotypic of what people think of a typical Maasai world over,
plus some observation from this particular event.
Here we go:
***
The Maasai herd cattle for a living. And it appears to be all they do.
From what I gather: for food they mostly drink the blood of the animals
and also the milk. Both of these appear to be readily available at all times.
So we could say they have guaranteed food at all times.
They wear simple garment made from leather + red shuka (I wonder why they like red, why not green or orange). So we
could say that the chance of a Maasai missing clothes is about zero.
Physically they look hardy, tough, and able to withstand all manner of harsh
situations, even outright confrontation and fights. They are almost always slim
(thin?), carry a strong wooden stick, and also a sharp knife covered in a
leather sheath. From these we can deduce that they are ready to defend their
livestock, and at the same time they have all equipment needed for a “kitchen”
and general survival. So we can also say that they travel through life light,
and with no need to own or drag around too many useless “junk”.
I wonder what the women normally do at home, I don’t know enough to say
for sure. But the women never seem to be out in the field with the cattle like
the men. Maybe they are busy taking care of the children, preparing some
vegetable soup, applying make-up, painting their nails, gossiping, engaging in
petty rivalry, and whatever else women may do at home, who knows.
Anyway, from what I observed from this particular duo, the Maasai take
life easy. They sail through it with minimal effort; engaging in only a handful
of repetitive task everyday - very boring, we could say, but quite efficient.
All these guys have to do every day is release the cows, then follow them around the whole day, maybe take
an occasional nap under a tree, then bring them back home in the evening - very
simple. And life goes on.
The cows eat grass, fatten, and
then get eaten by the Maasai. In fact the Maasai mostly don’t kill the cattle;
they just inject a blood vessel on the neck, collect the blood then let it clot
a little, after which it is prepared like meat. There is also the milk from the
cattle too. All manufactured from the grass by the cows.
(Come to think of it I wonder why no humans evolved to eat grass
directly, and cut-out the “middleman” – oh wait! There are vegetarians! I can’t
imagine how this story will compute for them.)
The cows also multiply by
themselves. While grazing, they have sex with each other and produce
offspring – automatically. All while the owner is sitting under a tree watching
from a distance.
The cows also adapt to nature automatically;
sickness, weather changes, availability of pasture, ET c. The natural processes
of evolution keeps the animals well adapted to whatever the circumstance they
find themselves in. Very little input necessary from the owner.
All the Maasai need is large
tracks of land with pasture on it. And maybe some form of birth control so they don’t become too
many and overwhelm the cattle (and in this they appear to have actually
succeeded – their population, compared to their land, seems to be manageable).
Whatever the Maasai can’t get directly from the cows, they get by
selling or bartering their cattle in exchange for currency or directly for what
they want. For example, a Maasai could theoretically trade in maybe 4 cows for
an IPhone 5.
Also they have so much time in
their hands which they could use to invent stuff, think about the “meaning”
of life (which amazingly they haven’t done – along with the rest of Africa,
shame on you!), or just do whatever their hearts desire.
Lessons from the Maasai:
As a budding businessman these are some of the lesson that I got from
this. Maybe they are completely useless, but time will tell:
- 1. The Cows: Invest in or create small business ventures that are self-sustaining and have a “life of their own”. By life of their own I mean the businesses can reproduce by themselves, evolve in relation to their environment, and most importantly have a built in sense of self preservation. Have a lot of these cows, not just one.
The “Cow” part seems to be the most complex to put together, since it appears
to be the equivalent of the creation of new life. It involves mastering all the
things that make a business work; product development + R&D, sales and
marketing, market research and business plan development, accounting, public
relations, human resource management + motivation, outcome mapping, politics,
et c.
- 2. The Grass (pasture): This is the target audience that partakes of whatever it is the businesses have to offer. There are pastures that are greener and more nutritious that others, they fatten the cows faster and so make you to be able to eat meat more often (who said you have to be thin anyway). So you have to continuously be looking for greener pastures and then you direct your cows there to go and feast, and get fat.
A lot of people may not be comfortable with the idea that they are
actually grass for some business to eat, but that is just the reality of the
situation; specialization. We can’t
do everything or get all that we desire by ourselves, many of the things that
we want are very complicated to make (like a Samsung GS4). So the things you
can’t do yourself some business somewhere can do for you – at a fee. So you are
grass for some cows, while your cows are feeding on the owners of the cows that
are feeding on you ;-)
- 3. Land (where the grass grows): the country. You most definitely need some level of control over the environment within which your grass and cows exist. That way you can exercises some level of control over the “weather” and “natural events”.
What this means is that geographical territories are not yet relics of
the past, they are here for a few more decades – at least until humans can
think more along the same “productive” and “objective” line. Until we build
this heaven on earth, it is very risky to operate completely without
boundaries; too many unknown. It also means that businesses cannot ignore
politics – this is the weather that can either make the grass grow or die.
- 4. The Meat and Milk: This is the bottom-line, the reason you work so hard – Big money, ideas, property, toys to play with, offspring galore, ET c.
It is here that I must mention my little theory where I propose that
the only thing important in this world is:
- a. Producing offspring and
- b. Generating new knowledge and tools to make the lives of said offspring easier than yours.
That’s all. All the other toys and distractions are just means to these
ends. If you don’t do those two things then you are a total failure, no matter
what you say, what you do, where you live, the toys you possess ET c.
If you don’t have offspring you will be forgotten (there is no heaven after
death by the way!), and if you don’t produce new knowledge and tools then
whatever offspring you produce are doomed to repeat the shit that you did – and
maybe do a lot worse than you.
Anyway that’s just me; it’s open to debate (NOT!).
Back to the issue at hand; if you can create numerous cows, then all
you have to do is release them upon the world and guide them to green pastures.
And watch as they eat and convert the grass into juicy meat for you to eat!
They multiply and adapt automatically, while you sit and enjoy all the free
time in your hands – pursue your “productive” hobbies (along the lines of the
“two golden objectives”).
You job will be simple: follow silently behind and chase off any
dangers that might want to take advantage of your hard work. That’s all.
***
Why then, you may ask, don’t I just get actual cows and live the simple
life? The answer is simple; I have seen enough to continue believing that the
mobile pastoralist lifestyle is not sustainable. I know enough about modern
fighting techniques to confidently say that the Maasai are not equipped to deal
with the dangers that lie ahead.
Modern people rarely fight with rungu
and spears, they fight using tools like economics, psychological warfare, complex
manipulation tactics, and automated (wildly destructive) devices. The Maasai’s
land will be taken away from them by some hawkish/hyena/vulture business types
who will slowly squeeze them and feed on them bit by bit until there is no more
land for them to graze their cattle on.
The clever Maasai should apply their “advanced” model into a more
modern infrastructure, like a ranch. Only then, maybe he can survive.
***
Obviously in this world that we leave in there are people who have
already figured this whole thing out. These are the kinds of people who build
big businesses, fund startups, invest in stock market, sit in this and that
board, and lobby favorable laws to come into force, ET c. They have fat cows
that produce meat and milk for them continuously, while they lie and misdirect
the rest of us down the wrong paths so we can be unwitting labor force in their
businesses. They use various devices, appeals and tactics to numb our senses;
religion, “capitalism”, “work ethic”, “thinking positively”, ET c. We follow
their advices to no avail. Our children and grandchildren do the same shit we
did, and the wheels on the bus go round and round.
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