Chose promise, chose due
A thing promised is a thing owed.
Долг платежом красен, а займы отдачею.
The beauty of a debt is its payment
Alternative translation: A debt is beautiful when it is paid off, and loans when repaid.
Pacta sunt servanda
Agreements must be kept (an important principle of international law)
口說無憑
Spoken words are no guarantee.
Your word is your bond
Silaha za siku hizi ni kalamu na karatasi.
- Methali ya Kiswahili
"Ukinipa picha, nitakupa vita."
- William Randolph Hearst
(Mwandishi wa habari na mchapishaji wa magazeti, Marekani)
Dhibiti kinywa chako kwa uangalifu ...[ILIKATA]... na ufanye moyo wako kuwa mzito(?), kwa maana neno linalosemwa ni kama ndege, naye alitamkaye ni kama mtu asiye na ...[ILIKATA]... ufundi wa maneno una nguvu zaidi kuliko ufundi wa ...[ILIKATA]...
- Hadithi ya Ahikar, Ukurasa wa 171/274
Kwa maana neno la Mungu ni hai, tena lina nguvu, tena lina ukali kuliko upanga uwao wote ukatao kuwili.
Waebrania 4:12, Biblia
Wengi wanaovaa panga huogopa kalamu.
-William Shakespeare
Tamthilia ya Hamlet, Sehemu ya 2, Onyesho la II (ukurasa wa 59)
CC BY Unaruhusiwa kunakili & kusambaza mchoro huu na makala hii bila idhini, ukitaja tu chanzo (www.maktaba.org)
A penny spar'd is twice got.
- Outlandish Proverbs by George Herbert (1640)
Necessary Hints to Those That Would Be Rich
The use of money is all the advantage there is in having money. For six pounds a year [interest] you may have the use of one hundred pounds [a loan], provided you are a man of known prudence and honesty.
He that spends a groat [4 pence] a day idly spends idly above six pounds a year, which is the price for the use of one hundred pounds.
He that wastes idly a groat's [4 pence] worth of his time per day, one day with another, wastes the privilege of using one hundred pounds each day.
He that idly loses five shillings' worth of time loses five shillings, and might as prudently throw five shillings into the sea.
He that loses five shillings not only loses that sum, but all the advantage that might be made by turning it in dealing, which by the time that a young man becomes old will amount to a considerable sum of money.
Again, he that sells upon credit asks a price for what he sells equivalent to the principal and interest of his money for the time he is to be kept out of it, therefore, he that buys upon credit pays interest for what he buys, and he that pays ready money might let that money out to use, so that he that possesses anything he has bought pays interest for the use of it.
Yet in buying goods it is best to pay ready money, because he that sells upon credit expects to lose five per cent by bad debts; therefore he charges on all he sells upon credit an advance that shall make up that deficiency. Those who pay for what they buy upon credit pay their share of this advance. He that pays ready money escapes, or may escape, that charge.
"A penny saved is twopence clear;
A pin a day's a groat a year."
'Who chooseth me shall gain what many men desire;'
'Who chooseth me shall get as much as he deserves;'
'Who chooseth me must give and hazard all he hath.'
'Who chooseth me must give and hazard all he hath.'
'Who chooseth me shall get as much as he deserves.'
'Who chooseth me shall gain what many men desire.'
All that glitters is not gold;
Often have you heard that told:
Many a man his life hath sold
But my outside to behold:
Gilded tombs do worms enfold.
Had you been as wise as bold,
Young in limbs, in judgment old,
Your answer had not been inscroll'd:
Fare you well; your suit is cold.
A penny spar'd is twice got.
Senti iliyookolewa hupatikana mara mbili.
- Outlandish Proverbs by George Herbert (1640)
Matumizi ya pesa ndiyo faida zote zinayopatikana ukiwa na pesa.
Kwa pound [£] sita kwa mwaka [yaani riba] unaweza kutumia £ mia [yaani kupitia mkopo], kama unajulikana kama mwaminifu na mwenye busara.
Anayetumia groat [senti 4] kwa siku bure, hutumia pound £ zaidi ya sita kwa mwaka, ambazo ni bei ya kujipatia matumizi ya pound £ mia moja.
[Kwa hivyo] Anayepoteza muda wake wa thamani ya groat [senti 4] kwa siku, siku moja na nyingine, anapoteza fursa ya kutumia pound mia moja kila siku.
Anayepoteza muda wa shilingi tano kwa uvivu hupoteza shilingi tano, ni kama amezitupa tu baharini.
Anayepoteza shilingi tano sio tu kwamba anapoteza kiasi hicho, bali anapoteza pia faida yote ambayo ingeweza kupatikana kwa kuzitumia katika shughuli zake, ambayo, akiwa kijana, wakati wa uzee ingefikia kiasi kikubwa cha fedha.
Tena: anayeuza kwa mkopo huongeza bei ya kile anachokiuza kwa kiasi sawa riba angaliingiza na pesa hizo kwa kipindi ambacho atazikosa. Kwa hivyo, anayenunua kwa mkopo hulipa riba kwa kile anachonunua, na anayelipa pesa mara moja kwa kila anachonunua hukoa fursa ya kuzikopesha kwa wengine, kwa hivyo aliye na kitu alichonunua ameshalipa riba kwa matumizi yake.
Hata hivyo nasema kulipa mara moja unaponunua ni bora, kwa sababu anayeuza kwa mkopo anatarajia kupoteza asilimia tano ya mikopo; kwa hivyo anaongeza bei ya kile anachokiuza kwa asilimia ileile ili kuzuia hasara. Wanaolipa kwa mikopo hulipa kodi mara moja. Anayelipa kwa pesa mara moja anaweza kuzuia kodi hii
"Senti iliyohifadhiwa ni senti mbili hakika;
[haba] kwa siku ni [nne] kwa mwaka."