Search This Blog

Thursday, 24 September 2020

Choose Hope

 Praise God.

Hebrews 6:19

We have this hope as an anchor for the soul,firm and secure.

Hope in Desperation.

In times of desperation,we have two choices.we crumble and lose sight of all hope, which, in itself, is a devastating choice. Or,we can choose faith in God like Shadrach, Meshach and Abed'nego in Daniel 3:16-18...It doesn't matter how desperate our situation is,we can still choose to believe that God has our best interests at heart.

Walking by faith is a choice.its not always the easiest choice though.It May mean leaving your comfort zone, but it always gives God the Opportunity to strengthen you.

No matter what you come up against, it is hope that feeds your faith.

Let us make the choice to put our hope in God.

Have a Blessed Day.

Wednesday, 23 September 2020

Power of Politics

 *ELEVEN PRINCIPLES YOU SHOULD UNDERSTAND ABOUT POLITICS BEFORE YOU STRESS YOURSELF:*


1. Nobody has your interests.


2. Everybody is chasing their own interests.


3. Dealing with politicians is like sleeping with tigers; you must always have your eyes wide open.


4. In any Political equation, there’s always someone being used. If you can’t find one then it is you.


5. Serving Politicians is like being a bandage on a wound. Once the wound is healed your usefulness ends. Politicians don’t recognize and reward value they recognize their own needs and you are only as useful as the lifespan of their need for you.


6. In Politics never mourn or wail more than the bereaved. They will get the reward while you inherit their enemies.


7. In Politics, in any event that other interests conflict with your own interests and you have to choose, always choose yours.


8. Never cross oceans for Politicians; you will drown and the best they will do is give a benevolent speech at your burial, lie to your widow and children and eat your food. Politicians will never cross the streets for their foot soldiers.


9. Don’t kill yourself for their ambition or put your life at risk for any politician.


10. Above all, Family and Health are things you should never use to attack a man. Politics is never that serious.


11. Lastly to all the Youths, it’s too risky to sacrifice your Career, Health, Personal Character, Social capital, and integrity in pursuit of short term and temporary rewards, offered by Politicians. 


Now you know. Let's love one another and put aside emotions and feelings. I can tell you what you are shouting about today at the top of your voice,a few years to come will not make sense and you will see that you really wasted your energy and time.


*Credited Source: Copied*

Wednesday, 16 September 2020

Keep your Promises to God

 Praise God .

Word for Today.

Psalm 50:14-15.

14. Sacrifice thank offerings to God, fulfill your vows to the Most High,

15.and call upon me in the day of trouble; I will deliver you, and you will honor me.

Thankfulness.

What can you thank God for right now?

From the gift of life,breath in my lungs to the loof over my head and to every mercy I receive today. The attention you pay to me every day, in every circumstance ,I thank you Lord.

Count your blessings name it one by one and give thanks to God.He wants us to show our devotion to Him by faithfully keeping the  promises we make.what vow and promise did you make when you asked God to help, guide and to intervene in your life? Have you fulfilled? God is waiting for you to fulfill and He is Promising he will deliver you from Trouble and show His salvation (50:15,23).

Be faithful in fulfilling your Promise to God today.

Rest: God is in control


Known to the unknown

Moving forward. 

Acts 12:7‭-‬8 NKJV

Now behold, an angel of the Lord stood by him, and a light shone in the prison; and he struck Peter on the side and raised him up, saying, “Arise quickly!” And his chains fell off his hands. Then the angel said to him, “Gird yourself and tie on your sandals”; and so he did. And he said to him, “Put on your garment and follow me.”


Herod is out on a rampage to persecute the believers. He has just put to death James the brother of John with the sword and now he has put Peter in chains in prison under heavy guard. 

But the bible says that constant prayer was being offered to God by the believers for Peter. 

Sometimes in life we feel like we are in prison and we are chained. It feels like everything we desire to do is met with opposition and we just can't seem to move forward. What then do you do?

I love the fact that though Peter was chained between two soldiers and with another soldier standing guard at the door, he still had the peace to sleep. Reminds me of Jesus sleeping in a boat in the midst of a storm. In the times when it feels like you are stuck and can't move forward, do not panic or worry, instead find the peace of God and rest in it. 

It is only when you rest in his peace that you will be able to move from the known into the unknown just like Peter did. In fact Peter was so at peace and in heavy sleep that the angel sent to rescue him had to strike him on the side to wake him up. Peter was actually broken out of prison by an angel, now that's the unknown, that's different, that's the impossible made possible by putting faith in God. 

It was such an impossibility that when he went to the believers who were at that time in prayer for him, they did not believe that he was the one at the door. 

This one thing I know, sometimes God will allow us to get stuck so that he can come through to show himself strong on our behalf. As he takes us through that journey, we must be willing to let go of what we know in order to trust him withe what we do not know. 


Reflective Thoughts. 

When you seem to be stuck, do you let worry control you or ate you confident to rest in the peace of God because you know he has got you covered?


----------------------------------------------------------------

What is the known the comfort zone that you ate afraid to let go of?


----------------------------------------------------------------

Why are you afraid to let go, is it that you don't truly trust God or you don't believe that he is able?

----------------------------------------------------------------

Monday, 10 August 2020

When God seems silent

 When God seems silent

Esther 4:16 NKJV

16 “Go, gather all the Jews who are present in [a]Shushan, and fast for me; neither eat nor drink for three days, night or day. My maids and I will fast likewise. And so I will go to the king, which is against the law; and if I perish, I perish!”


We have all been there, in situations where it seems like God is silent and sometimes we even think he has forsaken us. It seems like everything around us is getting from bad to worse and God is not interested to do anything about it, at least that how we seem to see the situation. We get to a place where we are so discouraged that we don’t even want to pray, we simply want to just give up.

Think of Esther in captivity, having gone through a lot she is now finally the queen and no sooner than it seems like there is a light at the end of the tunnel, a darker cloud seems to be cast over her and her people because now they are facing the possibility of total annihilation. It is at this point that Esther calls for a three day fast.

One of the things that fasting does is that it brings clarity. Fasting helps us disconnect from all manner of distractions and as we deny the flesh then we give the spirit an opportunity to get clarity. Fasting does not arm twist God into doing what we want; rather it helps us to gain some clarity and understanding of where God is leading or what he is saying.

At times we think that God is silent but in reality we are just distracted because of so many things that are clamouring for our attention and when we take some time off to focus on prayer as we deny the flesh then we are able to tune in to the heavenly frequency again to hear what God is saying to us. Fasting and prayer helps us demonstrate a hunger for God and it helps us get to that place where we can spend quality time with God to really express what we are going through.

Through prayer and fasting, God was able to give Queen Esther wisdom that saved the lives of her people. Though they were in captivity, God was not silent after all.

Are you in a season where God seems silent? Maybe you have a poor connection, try enhancing it through prayer and fasting, see if you get a better reception.


Reflective Thoughts

Does God seem silent or have you ever gone through a season where it felt that way? How did you feel as you went through that season?

_________________________ 

How did you handle the situation / season and what are some of the major lessons you learned?

_________________________

God promised to never leave us nor forsake us; do you actually believe that He meant what He said?

_________________________

How to deal with your wife

 TRUE SECRET ABOUT WOMEN 👩


1- When a woman is angry, she doesn't mean over half of what she says... if possible always hug her to calm her down 


2- The most difficult time for a woman is when she is away from the man she truly loves. She can get distressed 


3- It takes time for a woman to trust a man, its hard to change her mind when she does, but if you mess-up, you might just forget it.


4- A woman is such a school you will never graduate from.


5- Your wedding certificate with her is not a "driving licence", its just a "Learners permit". Continue wooing her.


6- She can be very bitter now, and a very sweet angel later on, it all lies in your approach. Yes treat her right always.


7- A woman hardly forget things, she remembers hurts more, avoid making her hurt. Avoid negative words and affirm her always.


8- A woman can be highly secretive... Most times when they prove hard to men, they go to their closet and cry to friends. Make your woman your best friend 


9- All women Love to be begged. men often miss out on this. Yes please handle them like babies sometime its all they want


10- All women have a unique character like salt, their presence might not be noticed but their absence makes all things tasteless.


10- if she loves u she can do everything u ask of her as far as it makes u happy, so never force her to love u. 


11- If you don't take care of her, she will find someone who will. They are always there only that she chose you.


12-if a woman truely loves you, even to ask money from you she will be shy, but as a gentleman don't wait to be asked and most especially if she loves you she can never leave you to spend unnecessarily...thats what makes them special... 


If you have a good woman in your life, don't take her for granted. They are expensive jewelry

who is our life ?

 “Christ, who is our life.”


Colossians 3:4 


Paul’s marvellously rich expression indicates, that Christ is the source of our life. “You hath he quickened who were dead in trespasses and sins.” That same voice which brought Lazarus out of the tomb raised us to newness of life. He is now the substance of our spiritual life. It is by his life that we live; he is in us, the hope of glory, the spring of our actions, the central thought which moves every other thought. Christ is the sustenance of our life. What can the Christian feed upon but Jesus’ flesh and blood? “This is the bread which cometh down from heaven, that a man may eat thereof, and not die.” O wayworn pilgrims in this wilderness of sin, you never get a morsel to satisfy the hunger of your spirits, except ye find it in him! Christ is the solace of our life. All our true joys come from him; and in times of trouble, his presence is our consolation. There is nothing worth living for but him; and his lovingkindness is better than life! Christ is the object of our life. As speeds the ship towards the port, so hastes the believer towards the haven of his Saviour’s bosom. As flies the arrow to its goal, so flies the Christian towards the perfecting of his fellowship with Christ Jesus. As the soldier fights for his captain, and is crowned in his captain’s victory, so the believer contends for Christ, and gets his triumph out of the triumphs of his Master. “For him to live is Christ.” Christ is the exemplar of our life. Where there is the same life within, there will, there must be, to a great extent, the same developments without; and if we live in near fellowship with the Lord Jesus we shall grow like him. We shall set him before us as our Divine copy, and we shall seek to tread in his footsteps, until he shall become the crown of our life in glory. Oh! how safe, how honoured, how happy is the Christian, since Christ is our life! 

Monday, 27 July 2020

Stop Discouraging your Spouse from Loving You

Your spouse stopped making love to you because each time your spouse touched you or made sexual advances at you, you pulled away or made excuses.

Your spouse stopped praying with you because each time your spouse requested you to pray together or asked "Is there anything you like me to pray for?", you brushed it off. 

Your spouse stopped asking you out for dates or making plans for just you two because each time your spouse did so, you claimed to be busy.

Your spouse stopped telling you "I love you" because your spouse realized they were the only one saying it. 

Your spouse stopped dressing sexy for you in bed because when your spouse did so, you rarely noticed.

Your spouse stopped sending you photos and videos of themselves to share with you the events of the day because when you received the photos and videos, you didn't bother to appreciate.

Your spouse stopped cooking your favourite meal because when your spouse did so, you didn't even see it as special or you came home late already full.

Your spouse stopped chatting with you or calling you up because you kept blueticking your spouse, ignoring the messages and calls, replying with cold and short messages or assuming your spouse.

Your spouse stopped opening up to you and talking heart to heart because when your spouse did so, you looked disinterested or you used the sharing against your spouse. 

Your spouse stopped waiting for you in bed before sleeping because you seemed to not care about joining your spouse in bed or you kept finding reasons to go to bed late.

Your spouse stopped telling you goals and dreams because when your spouse did so, you wrote your spouse off and belittled his/her desires.

Your spouse stopped wanting to go to the public with you because you showed clearly you don't want to be seen with the one you are married to. 

Stop discouraging your spouse from loving you. Be careful you don't discourage your spouse to the point of no return

© Akello Oliech and Dayan Masinde 

Tuesday, 7 July 2020

*HOW TO EARN RESPECT IN SOCIETY

*HOW TO EARN RESPECT IN SOCIETY*

(1) Stop looking for who is not looking for you.
(2) Stop begging.
(3) Stop saying more than is necessary.
(4) When people disrespect you, avoid them.
(5) Don't eat other people's food more than they eat yours.
(6) Reduce how you visit some people, especially if they don't value or reciprocate it.
(7) Invest in yourself. Make yourself happy.
(8) Stop entertaining gossip about other people.
(9) Think before you talk. 80% of how people value you is what comes out of your mouth.
(10) Always look your best. Dress the way you should be addressed.
(11) Be an achiever. Get busy with your goals.
(12) Respect your time.
(13) Don't stay in a relationship where you don't feel respected and valued. Walk away.
(14) Learn to spend money on yourself. That's how people will learn to spend on you.
(15) Be scarce sometimes.
(16) Be a giver more than a receiver.
(17) Don't go where you are not invited. And when invited don't overstay your welcome.
(18) Treat people exactly the way they deserve.
(19) Except they owe you money, two call attempts is enough. If they value you they will call you back.
(20) Be good at what you do. Be the best.

Saturday, 6 June 2020

Kenyan Wealth Dream

#FlipSidePost

If it's too long, it definitely isn't for you.

The house below is a luxurious house in Nairobi The owner isn't a politician. Just a hard-working individual.

There exists something known as The Kenyan Dream. Many live it. Many dream it. And all it takes to activate it is to have a total mind shift on what you think you know.

Question. Have you ever asked yourself why, with all the money they have, rich people in Kenya never relocate? I mean, Kirubi could easily own a chatteau in France or a villa in Monte Carlo right? Why do wealthy foreigners think Kenya is amazing and want to live here? I mean schools like Turi or RVA host children of Africa's wealthy presidents, businessmen and diplomats. What Kenya is this they see that many of us don't?

Well, it's because, once you tune into a certain frequency of life, all your antennae and transmitters receive are the energies of that frequency. In other words, we are, what we attract.

Reality, is relative. What you think is true doesn't mean it's universally true. What you think is impossible is possible to someone else.

Change your frequencies. Start by changing your social circles, the things you read online and the energy you are attracted to.
The human mind is very interesting. It always finds a way to make excuse for itself when defeated.

We have a very low threshold of inspiration. For instance;

Peter Munga, the founder of Equity Bank is worth $170M.

Manu Chandaria is worth $280M.

Christian Ronaldo, a young footballer has just surpassed the $1B mark.

A musician known as Kanye West is in the ranges of $1B dollars.

A basketballer called Michael Jordan is worth $2.5B.

For objectivity sakes, let's not value politicians for now.

We love to apply our inequities and failures on others' lives and we tend to believe that whatever is impossible to us, must be impossible to others.

Examples;

When one sees a girl they used to know, who disappears and returns with some money, good looks and new possessions, the first thing they will say is that she must have found a sponsor or is a prostitute. To them, there's absolutely no way she could have worked hard on her own.

When they see a young man who was once poor and has succeeded, beyond their expectations, they'd rather assume it's because the young man is into drugs, or this other sorry excuse lazy people call 'illuminati'.

If they saw a middle aged man or someone they had thought was washed up who suddenly makes money, the best explanation will always be "ameiba pesa za tender" or that he is corrupt.

This is because, we project our own inefficiencies to others. Not here. I will show you the other side of things and speak the unspoken.

There's a picture I had posted earlier and captioned it this: Don't be salty. Live the Kenyan dream.

As usual, as with such pictures especially when anything opulent is associated with a politician, many uninformed people go on to spew uninformed commentaries on the same and would easily attribute it to ' Stolen Wealth '.

Be as it may, who told you that owning a chopper is a big deal? there are many unknown Kenyans who have worked hard and own such things. After all, man was created to conquer adversity, not to wallow in it.

I recently wrote that we need to adapt differently and change how we do things to survive post covid economic doldrums. Before we even embark on that self help journey, we must first proudly bring out the possibilities that lie in us. We must testify and evangelize about the Kenyan dream.

7 years ago, I went to see a politician in his office in regards to some digital work for his personal businesses he was offering me. He wasn't a top notch politician, however, what I realised was that he had amassed so much wealth over time. As usual, just like most of you, I quickly concluded that he had made his money from corrupt deals and having his hands in the public coffers.

As the work commenced, he introduced me to his wife who was running their businesses and we toured his facilities accross the country. The more I engaged with them, the more I had a total mind shift on what I thought I knew.

You see, he was an exporter of very expensive office furniture he made in some nondescript location. He had large commercial tree farms and this raked him hundreds of millions every turn. I soon realised that he was a smart politician. He had used his political office to traverse the country and learn it. He explored potential that many didn't even factor and executed his business diligently. To him, politics had been just a stepping stone to access information.

That was my aha moment. To many, including some of you, politics is an end unto itself while to smart ones, proximity to political power means access to information and exposure. If you have a business mind, you take advantage of this.

How many of you know what opportunities your neighbouring counties have? Have you, a Luo from Siaya, explored opportunities in Kwale that Kwale people don't appreciate? Have you, a Kamba from Makueni bothered to know what business you can do in Kisii? Have you, a kalenjin farmer known what you can do in Isiolo? I bet you don't even think of it that way. I see water hyacinth in Kisumu and I see a multibillion enterprise in furniture, bags, apparel and accessories with ready markets globally. Someone else sees a nuisance of a weed slowing down fishing prospects while meanwhile Chinese fish is thriving in Kenya. Adapt.

We can fix Kenya by fixing our individual aspirations.

Young people have what it takes to make it. There's a young man, and he's a friend both offline and here on FB who bought a new Discovery 4 less than 2 years ago out of nothing else but, blogging. He was 26. Yes, these many words we write can transform lives financially if you know what to do with them.

There's also my other associate( some of you who know me personally know who I'm taking about) who built an IT system for a foreign government and bought his Range Rover Autobiography Supercharged 5L cash, from RMA. 30M. Not on bank loans. He was 34. And of course they have many other investments. No corruption. No godfathers. No illuminati . Adaptability.

I grew up in a commercial farming area called Kericho. Many years ago, an old man called Isiah worked for an Asian businessman as a loader in his wholesalers. He later left to start his own indigenous wholesalers and ate into the market share of this Asian businessman. In few years, the old man had spread his wings far and wide. When he was about to retire, he gave his sons the reigns of the business and the sons diversified into commercial haulage. Transport. Their immediate prospects were the large tea farms. The trucks would transport tea to mombasa auction and return with other items for traders in western Kenya. In less than 10 years, the sons had grown the fleet of long haul trucks to more than 150. As they were busy running wholesalers and trucking, some of their peers had migrated to Nairobi to "seek greener pastures". One of the sons once said " I've been to Nairobi and I can't handle all that drama. The only time I'll live in nairobi is when I have a Billion in my bank ". It sounded like a funny joke. But few years later, they got lucrative transport business contracts and as they say, the rest is history. He made his Billion, moved to the most affluent areas of Karen, bought a house in Spain and Australia and lives his Kenyan dream.

There's a gentleman who was once my parents' tenant in Kericho. A very hardworking young kikuyu called Jimmy. This gentleman started as a hawker before we let him space to run his clothing business. He grew his business in strides and as we speak, drives a Porsche Cayenne, has a block of apartments etc. He knew that he couldn't compete in crowded cities...he needed to find a niche and be consistent. No godfathers, no corruption. Adaptability.

Did you know that the owners (major shareholders) of Braeburn Schools are from Kericho? In fact the director spends more time in his farm in short on horseback than in Nairobi. Kenyan Dream.

There are so many such cases I can lose count. And my friends from Kericho most definitely know these people. I have used individuals I know personally and who I can account for because I don't want to make hollow statements about the possibility of a Kenyan Dream.

5 years ago, I decided to challenge myself like the politician I met 2 years earlier. I did my research and realised that being a millionaire wasn't rocket science. During my research, I went to Gikomba in nairobi and saw how lucrative the timber industry was. I learnt about the different kinds of timber and it's uses and the farming process and patience involved.
The shortest a tree could grow for commercial benefits was about 7 years.

I realised that I had some land in rainy Kericho that I hardly used. I visited a KEFRI office and got all data I required. An acre of land could pack up up to 1800 trees with even spacing. There were two lucrative tree types to plant. Eucalyptus Grandis( Blue Gum) and Cyprus. Since Blue gum were not good near river beds, I only planted 500 of them in controlled management on a 2 acre farm. I then went to lease some 10 acres land elsewhere . Those who have done farming understand that it's cheap to lease land. At about 5k an acre per year, I could lease it for 10 years payable annually. I embarked on planting 20,000 trees and had the drama of managing the seedlings for the first 6 months as they settled into the ground. Thereafter, the trees went up by themselves with prunning each year for the first 4 years.

I went back to Nairobi to continue with my hustle and shamba ya mawe brokenness. The politician had taught me something. He had taught me to look at lumbering the trees and selling them as timber and furniture strips but not as logs. This way, one could easily make about 15k per tree instead of 5k per log. I did the math. I bought few logs, and lumbered them and converted them into finished timber products and I actually sold them to wood work workshops and saw the profits. That was in 2014. So I had the confidence to start the journey. 15k per tree multiplied 20,000 times was 300M. Take out all costs and all inputs and you're still in the hundreds of millions. I realised that if I was lazy and didn't want to lumber them personally, I'd still sell them as logs straight from the farm at 5k per log and still make 100M. And the tree stumps would earn some few more millions in charcoal. All one needed was to sit still for few years. He told me " you'd rather run around for 7 years looking for opportunities and markets and doing other jobs knowing that you've literally grown your money".
So, now you know, in 3 years time, look for me we eat mbuzi in Abu Dhabi. Lol

This is a reality many commercial tree farmers understand.

But wait, we love quick fix solutions. Patience is a virtue we hardly bother with.

An accountant buddy of mine surprised friends a year ago with a brand new BMW X5. We knew he was probably paid by a good auditing client.

Wrong.

He had been saving his money and started a kienyeji chicken business. In a span of a year he had rared 3000 birds. As he went around auditing businesses, he marketed his chicken and soon, he got 4 consistent orders of 320 chicken per month. It was a good number because by the time he exhausted the last one he'd have replenished the flock to meet the monthly demand. At a wholesale price of 800Bob a chicken. He was making 256k per month consistently from his chicken side hustle.

Now back to politicians. In rift valley, other than the commercial agricultural towns, land is cheap and arable. Jackson Kibor has more than 5000 acres. He plants maize. Ruto has thousands of chicken and thousands of acres of land. Farming records alone rake these men hundreds of millions per harvest. Buying houses and choppers are not a big deal, asit's within the income range. Plus, as a business man, owning a chopper is another commercial venture. One can net you a million bob per day, so buying one and managing it professionally has good returns on investment. Here's the funny truth, they're not the most successful farmers.

Bhimji Depar Shah an unknown Kenyan businessman is worth $700M while Kenyatta is $580M.

Reality is relative.

The purpose of this very long post is to prove something, that there are few people who come online to look for inspirations. They need to know that even from villages away from the city, billionaires are made everyday. Don't be too embarrassed to own your story. Remember, swag never fed a man.

The likes of Karume, Kirima, Michuki etc are all villagers who came to the city to conquer... So can you.

The quickest way to depression is to look at your qualifications and academic indoctrination and try to apply it to wealth creation.

Right about now, your education won't make you wealthy. Education will inform you, expose you, train you but your adaptability and astutenes will make you survive the tides.

Khaligraph Jones was recently a broke boy from Kayole. Right now he lives well and can fend for his family. He lives the Kenyan dream.

Negativity will slow you down.

There is a Kenyan dream. Try to find it.

Tuesday, 26 May 2020

Building Wealth Gradually


The process involves commitment and resilience as well as Enjoying life 
How you can grow your money with just Sh. 5,000 only!
============================================================
Kenyan Money: Very often people underestimate the power of money that is within their grasp, argues Waceke Nduati Omanga in this feature that was first published in the Centonomy personal finance online journal:

We find ourselves perpetually waiting for bigger amounts of money as that is what we feel is adequate to start saving or investing with.  We feel that it is only with these huge amounts that we can actually do something significant. And while we are waiting for these big amounts we are usually recklessly spending small amounts of money everyday without realising their value or the alternative use of the money. Secondly we are letting opportunities pass us by.


I think sometimes the disease of instant gratification filters down to our saving or investment mentality.  We want to immediately be able to say we have Kes 50,000 to put aside without realising it is also small amounts over time that build up to Kes 50,000.  Today, we explore the power of Kes 5,000. You might be wondering where to get Kes 5,000 given that your bank account is usually empty by the end of the month.  Well, do you easily spend Kes 170 a day without thinking about it? If you left your house with Kes 170 in your wallet, would it be there at the end of the day?

Ndindi Nyoro: Why employment may never make you rich


Right there is your Kes 5,000 at the end of the month.  Maybe you are spending it on lunch, snacks, drinks but you can make a choice to ensure you have Kes 5,000 every month.  So what can this Kes 5,000 actually do?


You can have a savings account with Kes 5,000.  You can opt to put this money in a savings account.  Many banks will be able to provide this to you and these days even some mobile service providers are offering a solution for these savings. At the end of one year you will have at least accumulated Kes 60,000 plus some interest in this account.

This is money you can use to pay school fees or even go on a holiday. Even if you are not sure where to invest, start here.  Open this savings account even as you research on various areas to invest.  Don’t wait to have the perfect investment to start putting aside your Kes 5,000.  Starting this way will actually start creating the discipline of saving that many of us need to foster.

You may even opt to put this money aside in a SACCO every month and at the end of the year earn dividends on the shares you have accumulated. Just using an example from one of my SACCO clients, you would have earned Kes 6,000 shillings at the end of that year.  This 6,000 can be used to reinvest in something further or enable you to pay your utility bills that month.

Your Kes 5,000 has started making money work for you. Accumulating this amount of money in a SACCO will enable you to borrow up to three times what you have saved.  This means after one year of saving you can borrow Kes 180,000 to do further investment such as a business and in some areas you can buy a plot of land with this. Remember to ONLY borrow for investment and not consumption purposes.  Ensure that the return you will get will exceed the interest you are paying.  Your Kes 5,000 has therefore enabled you to leverage and access good debt for investment purposes.

You can invest in the stock market with Kes 5,000 a month. The minimum number of shares you can buy on the stock exchange is 100, hence as long as you are buying shares that are trading below Kes 50, you can invest. There are actually many fundamentally strong companies that are trading below Kes 50 at the moment that you could actually be accumulating ownership in with this Kes 5,000.

Let’s use an actual scenario.  I have picked one of the banking shares and assumed in the last one year, you had been investing Kes 5,000 per month accumulating this share. In the last one year you would have accumulated 1,800 of these shares.  You would have spent Kes 60,000 (Kes 5,000 x 12) in total but the value of your shares would have been Kes 75,000 (after brokerage commissions).  Of course past performance is not necessarily an indicator of future performance with shares and you would have to do further research on the particular share you are buying but this goes to show that with Kes 5,000 you can actually activate the process of growing the value of your money.


You can invest in Treasury Bonds with Kes 5,000 saved for 10 months.  The minimum investment in a Treasury Bond is Kes 50,000.  You can put aside your Kes 5,000 in a savings account and when it accumulates to Kes 50,000 you simply go and purchase a Treasury Bond.  Depending on the rate offered at the time, this bond will pay you some interest every six months.

You can create or join an investment group with Kes 5,000.  Do you have 10 friends who can join you in this venture to save Kes 5,000 a month? Being able to pool your money with other people will significantly multiply the impact of Kes 5,000.  If there are 10 of you, that means you can put aside Kes 50,000 a month!  In a year you can collect Kes 600,000 (as a group).  You can buy more shares, you can buy larger property, you can start larger business etc.  As a group you can accumulate a significant investment portfolio if you each commit to putting aside Kes 5,000 a month.

Kes 5,000 a month over time is a very significant portion of your Retirement Plan.  Kes 5,000 a month saved over 10 years and earning just 10% p.a. will accumulate to just under Kes 1 mn. Do not hesitate to start with or put an extra Kes 5,000 in your pension fund.


You can eliminate your debts with Kes 5,000. Say you had a loan of Kes 500,000 for 5 years and you were being charged 18%.  If you put an extra Kes 5,000 towards your repayments you will pay off this loan in 3 years instead of 5 and save Kes 100,000 in interest costs in the process.

I could go on and on.  This is just simply an introduction to what you can do with Kes 5,000. When you start taking notice around you of what can be done, more and more ideas will open up.  I know people who have started poultry farming, vegetable trading, catering and various other ventures with this amount of money. Remember that a bird builds its nest one twig at a time.  The nest just doesn’t appear. Let that Kes 5,000 be your first twig. Kenyan Money.

 
©️ 2019 Bizna Digital Services | All rights reserved.

Friday, 22 May 2020

From The Worlds Most Famous


*LESSONS FROM 15 CONTEMPORARY PROMINENT MEN & WOMEN!!!* 1. *Dr. Ben Carson said,* "I struggled academically throughout elementary school yet became the best neurosurgeon in the world in 1987." *LESSON:* Struggling is a sign that you are on a verge of success. Don't quit yet. 2. *Oprah Winfrey said,* "I was raped at the age of 9 yet I am one of the most influential women in the World." *LESSON:* Don't let your past decide your future. 3. *Bill Gates said,* "I didn't even complete my university education but became the world's richest man." *LESSON:* School does not make you rich. School is only supposed to polish what will make you rich, not make you rich. 4. *Joyce Meyer said & I quote,* "I was sexually, mentally, emotionally and verbally abused by my father as far back as I can remember, until I left home at the age of eighteen, yet I am one of the most influential preachers in the world." *LESSON:* Let your past push you, not define or limit you. 5. *Christiano Ronaldo said,* "I told my father that we would be very rich but he couldn't believe me. I made it a reality." *LESSON:* Your words rule your life. If you mean what you have said, each word will come to pass. You get what you say. 6. *Hear Lionel Messi!,* "I used to serve tea at a shop to support my football training and still became one of the world's best footballers." *LESSON:* Believe in your dream. Don't let your pain tell you how your future will look like. 7. *Steve Jobs penned,* "I used to sleep on the floor in my friends' rooms, returning coke bottles for food, money, and getting weekly free meals at a local temple, I later on founded Apple Company." *LESSON:* That you are small today doesn't mean you will be small tomorrow. Keep trusting God. 8. *Former British PM, Tony Blair said & I quote,* "My teachers used to call me a failure, but I became a Prime Minister." *LESSON:* Don't let someone else's opinions of you become your reality. 9. *Bishop David Oyedepo said,* "I started Living Faith Church from a lawn tennis court with three members only & preached prosperity. Many of my friends criticised me, but today we have the largest church auditorium in the world & two world-class universities." *LESSON:* Believe in yourself even if no one does & never think of quitting. 10. *Nelson Mandela said,* "I was in prison for 27 years & still became president." *LESSON:* You can be anything you want to be no matter where you have been or what you have been through. 11. *Mike Adenuga said,* "I drove a taxi to finance my university education but today I'm a billionaire." *LESSON:* Don't let your past decide the kind of future you need to have. 12. *Harland Sanders, Founder of KFC said,* "I was on the verge of suicide when an Idea of opening a restaurant hit me after I retired as a cook in the Navy." *LESSON:* Nothing is ever too late. "Too late" is a language of failures. Your future can begin at any age. Don't ever let AGE limit you. 13. *Aliko Dangote said,* "I worked for my uncle since I was a small boy, people looked down on me. I later on took a loan from my uncle to open a tiny shop. I worked hard to make ends meet. Now I am the richest Man in Africa. *LESSON:* Failures or limitations of the past have no control over the greatness in you. To him that believes, all things are possible. 14. *Barack Hussein Obama said,* I am a son of a black immigrant from Kenya, I graduated from Harvard and later on became a Senator in Chicago. I was also the President of the most powerful nation on Earth. *LESSON:* Never design your life like a garden where anyone can walk in and out. Design it like the sky where everyone aspires to reach! 15. *Arnold Swarzzenegger said,* I traveled to America in search of financial independence when I was 15yrs old. I became the world's strongest man 7 times and Mr Universe. I then got my Economics degree, then I became one of Hollywood's best actors before I was voted twice as governor of California." *LESSON:* Don't wait for everybody to believe in your ability and dreams. *KINDLY SHARE TO MOTIVATE OTHERS.*

To End Corona Feed the Hungry


In as much as science will help us to win the fight against Covid-19it is the social science approaches that will stop the deaths. One such approach is feeding the hungry. The Current situation Two main pandemics we are fighting at the moment are: 1. Coronavirus 2. Hunger virus. Two main groups of people at the moment fighting the pandemics are...... 1. The Rich and 2. The Poor. The global irony and the African outlook... The rich is afraid of the virus. The poor is afraid of hunger. The rich wants the poor to stay at home to avoid the spread, but hunger won't allow the poor to stay at home. The poor fears that if they stay at home, the hunger virus will kill them. The rich fears that if they also come out of their homes the coronavirus will kill them... What a delicate situation we have ....... Opinion: In order to restore the world to its normal social equilibrium: The rich should assist the poor with food, so that they can stay at home. When the rich succeeds in keeping the poor at home by providing enough food, The spread of the coronavirus which the rich fears the most will be chased out! This is common sense.....Yet because some people have the microphones, all you hear is ...... “stay at home”.......... “stay at home” . How can they stay at home when the hunger virus is at home. Fight coronavirus Fight Hunger. Stay safe.

Respect Everyone


Everyone Matters *WHO KNOWS TOMORROW??* Raila was the prime minister in the other regime and Uhuru Kenyatta was his deputy but now. Raila calls Uhuru Mr president. Munyes thought that he had done away with Ekwee after a successful defeat in 2013 but Ekwee later became his boss. Obama mocked Trump as self defeat man- during the election period now Obama calls him Mr president. 👉Life is like a COIN thrown up in the air. You can't really predict which side will turn up. 👉NO ONE STAYS ON TOP FOREVER. IT'S JUST A MATTER OF TIME AND SEASON. 👉Treat everyone with respect and show some kindness because there will always be a tomorrow. Be good to all! 👉A Boss today might become a Subordinate tomorrow bacause there's no parmanent state in life. 👉ALWAYS USE YOUR POWERS AND POSITIONS CAUTIOUSLY AND FOR THE BENEFIT OF ALL. 👉Always stand for what is right always

Monday, 18 May 2020

The Power of Prayers and Worship


The real worship that connects us to God Its good to worship in truth and in spirit Good morning. Word for the Today. Acts.16;25-26. 25.About midnight Paul and Silas were praying and singing hymns to God, and the other prisoners were listening to them. 26.suddenly there was such a violent earthquake that the foundations of the prison were shaken.At once all the prison doors flew open, and everybody's chains came loose. Pray until chains are loosened. Paul and Silas were beaten and put in prison for preaching the Gospel of Christ and delivering a girl from demon possession. They were chained in the inner cell. They decided to pray and worship God in their situation.They did not lament or complained but chose to Pray. We are imprisoned and chained in various and very difficult and painful let us not complain or lament over the the pains but like Paul and Silas, Let us purpose to pray and worship God until He opens the prison doors and loosen our chains. We are chained by Covid-19 through curfews, lockdown, family separation, financial strains,floods, sicknesses job losses, alcoholism,drug addictions deaths of our loved ones and many others. God answers Prayers. Have prayerful Life

Mercedes Benz -Lesson to Honour Your Wife


The Real women who help their husbands they help themselves The Mercedes Benz brands represents a legacy of its founder, Karl Benz. The near genius Mechanical Engineer was born in Germany. After graduating from university, he started a mechanical engineering shop where he would invent the first ever three wheel car that was internally powered by use of gasoline. Largely uncredited in Benz's mercurial success was his wife. Benz opened the factory with a friend and procured a loan together, unknown to him, the friend was like the modern day Pwagus, who escaped with most money, leaving Benz behind to be auctioned. Benz was auctioned shortly after marrying and paying dowry. In her wisdom, the wife went back for the dowry. Her father did not oppose. But the wife wasn't as dumb too, rather than give Benz the money, she invested in Benz factory and acquired stocks. Her injection to the company gave Benz a new lifeline. That officially marked the start of Mercedes Benz. Karl Benz invented the first ever internally powered car, but it was his wife, with kiherehere, who drove it first. Benz had went to fix some mechanical issues in the factory, when the wife put his two sons on the three wheel car and drove it for over 60 miles. Before that, Benz wasn't sure his invention would travel that far. As she drove to meet her relatives 60 miles away, she lost control akaingia kichaka, after pulling the three wheel vehicle out, she passed over a shoe cobbler, and advised him to fix a heavy leather to the wheel to prevent the quick rotation of the wheel. That was the first invention of break pads, which she patented. It was a great marriage. As Benz demonstrated his ingenuity in the factory with groundbreaking inventions, it is Bertha who pioneered the marketing. Their car brand still carries a mark of prestige globally.

Monday, 11 May 2020

New Songs of Joy


Psalm 126: When the Lord brought back the captives to Zion, we were like men who dreamed. Our mouths were filled with laughter, our tongues with songs of joy. Then it was said among the nations, “The Lord has done great things for them.” The Lord has done great things for us, and we are filled with joy. Restore our fortunes, O Lord, like streams in the Negev. He who goes out weeping, carrying seed to sow, will return with songs of joy, carrying sheaves with him.

Thursday, 30 April 2020

Who really Killed Samson: Himself, Delilah or Philistines


The Answer is himself *WHO KILLED SAMSON?* *Delilah or the Philistines? None of these options is correct. Permit me to tell you how* *Even if there were 10,000 Philistine soldiers, they couldn't have defeated Samson. Do you know why? Samson's strength was not of this world; it was divine. As long as no one can defeat God, no army could have defeated Samson no matter how strong or many* *Samson was raised a terror for the Philistines. He killed a lion with his bare hands, lifted the gate of a city on his shoulder and walked over 46 miles; he killed 300 Philistines soldiers with a jaw bone. What if he got a spear or sword?* *So, who killed Samson? The answer is Samson. Yes! Samson killed himself! A man is his greatest enemy. What an enemy cannot do to a man, he would do to himself. Samson killed himself. He delivered himself to the lap of Delilah and used his own mouth to tell the secret of his power. His life promised so much but delivered so little* *The Bible says, "People ruin their lives by their own stupidity, so why does GOD always get blamed?" (Proverbs 19:3. MSG)* *Nobody can ruin your life except you do with your own hands. Although you can blame it on God or parents or government, you're the architect of your life; you are your greatest enemy. Even if your grandparents had done any evil, until you press the trigger it won't explode on your face* *No Satan or witch has the power to destroy you no matter how much they hate you, you're the only one who can kill yourself by your actions* *When the enemies try in vain to kill you, they lie in wait and allow you to kill yourself by your actions.* *Goliath, the champion couldn't hurt David but adultery destroyed his family. The gentile nations couldn't hurt Moses, but anger killed him. When king Jeroboam stretched his hand against the prophet, his hand dried up; he couldn't hurt him, but his own disobedience turned him to a prey for a lion. Your greatest enemy isn't outside there, it's in you* *Millions are killing themselves with their own mouth by what they eat and drink. Millions die of sexually transmitted diseases every year. Would you blame a witch for that?* *Hundreds of thousands of divorce and breakup happen every year because people destroy their own marriages and homes with their own hands. Like Proverbs 14:1 says "Every wise woman builds her house, but the foolish one tears it down with her own hands.* *If you fail, don't look far away, look inwards because what's killing you is inside of you. What you yield yourself to will either kill or save you. If you continue yielding yourself to fornication, that's what will kill you both spiritually or physically* *Everyone has a seed of sin deposited in him through his Adamic nature. True repentance kills that seed but if you don't kill that anger, pride, jealousy, greed, lust, it won't just kill you in the future, it might have been killing you already. That's why no matter how much people die of cancer and diabetics people won't stop smoking and drinking because a man signs his own death warrant* *Kill that seed before it kills you. Quit that habit, now! Because your greatest enemy isn't a man or a spirit or Satan but you. Yes, You!* *Bless someone with this message today.*

Wednesday, 22 April 2020

Communion with Holy Spirit


Psalm 34:1-11 I will extol the Lord at all times; his praise will always be on my lips. My soul will boast in the Lord; let the afflicted hear and rejoice. Glorify the Lord with me; let us exalt his name together. I sought the Lord, and he answered me; he delivered me from all my fears. Those who look to him are radiant; their faces are never covered with shame. This poor man called, and the Lord heard him; he saved him out of all his troubles. The angel of the Lord encamps around those who fear him, and he delivers them. Taste and see that the Lord is good; blessed is the man who takes refuge in him. Fear the Lord, you his saints, for those who fear him lack nothing. The lions may grow weak and hungry, but those who seek the Lord lack no good thing. Come, my children, listen to me; I will teach you the fear of the Lord.

Wednesday, 15 April 2020

You are Amazing


There’s Something Amazing about You “...But Moses said to God, “Who am I that I should go to Pharaoh and bring the Israelites out of Egypt?” (Exodus 3:11, NIV) So often we look at others and think, Wow, they are so amazing, and I’m so ordinary.They’re so smart, and I’m so average. She’s so beautiful, but I’m so plain.While it’s true that they may be amazing in certain areas, you have to realize there’s something amazing about you as well. You are talented, you are attractive, and you have been fearfully and wonderfully made. While God wants us to celebrate others, He wants you to be celebrated as well. You didn’t get left out when God was handing out the gifts, the talents, or the looks. He put something in you that will cause you to shine. You can be a great businessperson, a great teacher, a great mother. Don’t get so focused on what somebody else has that you don’t realize what you have. You have to know who you are. God breathed His life into you. You are His masterpiece. Don’t compare yourself. Celebrate yourself.You are blessed and favoured!