If I understand correctly what you need, a computer may belong to many
users and one user can have many computer, right? same for phones, I
assume.
In this case, the relationship is :has_and_belongs_to_many, but you do
not need the classes OwnComputer and the other one. you just need two
tables (without id) which will contain, for each record, a couple of
id identifying one coupling (user-computer for one table, user-phone
for the other).
have a look at: http://wiki.rubyonrails.org/rails/pages/has_and_belongs_to_many
for naming conventions.