This is Guka - Going Through Troubled Times..............But Still Unconquered and Unbowed..........

Field Marshal said:
It is what it is, this life.

Yo may have noticed that I have not been contributing as much as I should. Well, a chain of misfortunes have dogged me - from a health scare (curently going through some investigations), to a minor intercourse between the armoured Wingroad and a rogue lorry to Covid-related financial and social issues.

My old decrepit phones even got stolen, losing data/contacts I had accumulated over 4 years. (@Pamba 1 is there a way I can track these old phones without IMEIs if I give you the numbers I was using them with? Anyone?)

The latest hiccup I am facing is an old friend. Let's call him Bob. I want your advice about him.

I've known Bob for the last 40 years. We literally became adults together and have been absolutely good friends. Over the last two years, we have been catching drinks together at least 2 times a week.

One thing led to another (get your mind off the gutter @Cortedivoire) and about an year ago we became small business partners. I would want to pull a quick deal and he would often lend me the money to do it because my capital would be tied up elsewhere, for something like 7% pm.

Today, as I write this, I owe him Sh1.4m. It is a testament to our four decades of friendship that the debt is not written about anywhere - we trust each like that. He will get his money back as agreed to the last penny.

The problem now is, I am starting to think that my friend is starting to think of himself as my boss, or at the very least my superior. Kila saa tukicatch drinks nikunisomea under the very silliest of excuses as if he's my dad (RIP).

A few examples.

* I quarrel a little bit with a barman over a bill: Why are you behaving like a 19-year old. Huoni umezeeka? Mbona usikunywe pombe zako nne uende nyumbani? (He's an introvert, I am an extrovert, which is why he's always stressed and am a happy-go-lucky Guka).

* Wingroad has public sex with a lorry, which takes off because it was on the wrong: FMCP, hii carelessness yako itakuuwa. Act your age. You are not a Subaru boy (he knocked down a pedestrian four weeks ago, I didn't say anything).

* Phones get stolen: FMCP, I don't like the way you are doing things. Hauendi vizuri. You need to change your approach to life. Otherwise utakufa tuu. Oh, by the way, I remember four years ago bla bla mlikosana na................

No wonder hiyo siku nanii alitaka kukugonga na chupa.....

* We are catching a drink and then I think of calling a relative well-known to Bob ('Hey, I am catching WhiteKAPS with Bob, sambaza mbili tukunywe'): Honestly FMCP, do you have to call your relatives and tell them watutumie pesa ya kunywa? Ile tuko nayo tumemaliza?

ETC etc ad nauseum. It is now reaching a place I just want to pay his money and start avoiding him, but I also value the journey we have travelled. What the best way to handle this situation?

The Senate is a source of great wisdom.

Nipatieni mawaidha..........................as I sort out the other issues.
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He is getting old and not "gerring" enough anatoa stress na wewe.

Also remember mko miaka ya mbwa imefungwa (barking years) 60+ where you have to yap and no one is bothered by your noise. Vumilia his rants.
 
Field Marshal said:
It is what it is, this life.

Yo may have noticed that I have not been contributing as much as I should. Well, a chain of misfortunes have dogged me - from a health scare (curently going through some investigations), to a minor intercourse between the armoured Wingroad and a rogue lorry to Covid-related financial and social issues.

My old decrepit phones even got stolen, losing data/contacts I had accumulated over 4 years. (@Pamba 1 is there a way I can track these old phones without IMEIs if I give you the numbers I was using them with? Anyone?)

The latest hiccup I am facing is an old friend. Let's call him Bob. I want your advice about him.

I've known Bob for the last 40 years. We literally became adults together and have been absolutely good friends. Over the last two years, we have been catching drinks together at least 2 times a week.

One thing led to another (get your mind off the gutter @Cortedivoire) and about an year ago we became small business partners. I would want to pull a quick deal and he would often lend me the money to do it because my capital would be tied up elsewhere, for something like 7% pm.

Today, as I write this, I owe him Sh1.4m. It is a testament to our four decades of friendship that the debt is not written about anywhere - we trust each like that. He will get his money back as agreed to the last penny.

The problem now is, I am starting to think that my friend is starting to think of himself as my boss, or at the very least my superior. Kila saa tukicatch drinks nikunisomea under the very silliest of excuses as if he's my dad (RIP).

A few examples.

* I quarrel a little bit with a barman over a bill: Why are you behaving like a 19-year old. Huoni umezeeka? Mbona usikunywe pombe zako nne uende nyumbani? (He's an introvert, I am an extrovert, which is why he's always stressed and am a happy-go-lucky Guka).

* Wingroad has public sex with a lorry, which takes off because it was on the wrong: FMCP, hii carelessness yako itakuuwa. Act your age. You are not a Subaru boy (he knocked down a pedestrian four weeks ago, I didn't say anything).

* Phones get stolen: FMCP, I don't like the way you are doing things. Hauendi vizuri. You need to change your approach to life. Otherwise utakufa tuu. Oh, by the way, I remember four years ago bla bla mlikosana na................

No wonder hiyo siku nanii alitaka kukugonga na chupa.....

* We are catching a drink and then I think of calling a relative well-known to Bob ('Hey, I am catching WhiteKAPS with Bob, sambaza mbili tukunywe'): Honestly FMCP, do you have to call your relatives and tell them watutumie pesa ya kunywa? Ile tuko nayo tumemaliza?

ETC etc ad nauseum. It is now reaching a place I just want to pay his money and start avoiding him, but I also value the journey we have travelled. What the best way to handle this situation?

The Senate is a source of great wisdom.

Nipatieni mawaidha..........................as I sort out the other issues.
Click to expand...
Three things
1. Lipa
2. Grow up
3. Appreciate there is someone telling you as it is on your face. Those people are rare. Nowadays we have loads of two legged snakes who will smile with you and once your antique bottom leaves he tells non concerned/intersted parties.
 
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@Field Marshal i recommend you try this
 
You will die poor Guka no wonder that guy is sitting on you. 7%pm translates to 84%pa,no wonder the guy considers you stupid and inferior. Get your acts right and avoid him.
If I get 3 idiots like you, I will go reside in zanzibar and rent out my Karen house.
And Finally, you don't deserve to call yourself FM, better stick with Waru only.
 
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7% per month. Are you senile already?? :ROFLMAO: :ROFLMAO:

Clearly, he is a smart shylock and you are the customer.

At that rate he needs only five fools like you and he will never work again.

You will remain his "bicth" until you pay the last shilling.

At your age you should already know that men who owe each other money cannot remain friends. The relationship dynamics change instantly and you become his KYM. It is unfortunate that you are learning this late in life.
 
Nefertities said:
Your friend is right. You need to grow up.

And everyone b!tching about 7%, hebu tell us when you last took a loan. I'm pretty sure the last bank loan I saw being offered at 11% was in the late 2000s. After that, they went as high as 21% till CBK put their foot down at 13% as a cap.
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Amesema 7% per month!!
 
bigDog said:
7% interest per month? Imekua deni ya 1.4m? Either unatuchukulia mafala ama wewe ni fala. Why can't you offload that debt using a bank? That interest rate is crazy! That's not a friend. Ni kupe!
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I don't know where you live but 7% is considered a very good rate for a personal loan in Kenya and very many other places, as a matter of fact, an incredibly very good rate for unsecured loan.
 
Tiriitiondo said:
You will die poor Guka no wonder that guy is sitting on you. 7%pm translates to 84%pa,no wonder the guy considers you stupid and inferior. Get your acts right and avoid him.
If I get 3 idiots like you, I will go reside in zanzibar and rent out my Karen house.
And Finally, you don't deserve to call yourself FM, better stick with Waru only.
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Meeen you gotta Fertile imagination 😂
 
Snowball said:
I don't know where you live but 7% is considered a very good rate for a personal loan in Kenya and very many other places, as a matter of fact, an incredibly very good rate for unsecured loan.
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I live on planet earth sir. Gathee said his interest rate was 7% PER MONTH! Not per annum or per per year. There could be some other rules being abused in this case like interest on interest.

Promise me you will learn to annualize monthly interest into annual interest. 1% per month(pm) translates into 1x% per annum (pa). It follows that 7% pm translates into 7y% pa. Give it a try my friend.
 
bigDog said:
I live on planet earth sir. Gathee said his interest rate was 7% PER MONTH! Not per annum or per per year. There could be some other rules being abused in this case like interest on interest.

Promise me you will learn to annualize monthly interest into annual interest. 1% per month(pm) translates into 1x% per annum (pa). It follows that 7% pm translates into 7y% pa. Give it a try my friend.
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7% compounded every month means the loan will most likely outlive guka.
 
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