Monthly Archives: November 2012

Fog over bridge


The grim reality of the next elections: are we planning for failure?

We ought to plan for success. No room or option for failure

Financial Planning

Always learn NEVER WORK FOR MONEY, but have your money work for you.

This is the secret to Financial Planning. This is the secret I always uphold. This gives me more time to do other things on my hands. And this avoids the dreaded condition of stress or stress related conditions.

Always strive for financial freedom, Emotional Freedom, Mental Freedom and Social Freedom.

And this is what SUCCESS is all about. And helps in always never forgetting who you really are and what you really want in life as a whole.

Having full financial freedom has to do with personal financial planning. Figuring out where your money is going is the first step towards taking control of it.

With a monthly paycheck, the limit to your spending is listed in black ink. It would be better if spending was below that number,” he says.

A majority of those who earn big salaries (like members of Parliament) always tend to spend a lot of money and eventually put themselves into a big trap of debts.

“In the world of finance, there is a saying that expenses rise to meet income. And this could be true when studying how most well-paid employees spend their huge cash.

The more they earn, the more the needs and since the money they make is not enough to satisfy all their needs, they end up borrowing bad loans from banks, which take them years to repay, hence more deductions in their pay slips.”

Many of those who always complain of not having enough money are those who earn big salaries but fail to manage them properly.

“It should be understood that there is no budget or spending plan set in stone.

Adding up all the money spent on a monthly basis may be an eye-opening experience; helping to reinforce how well or poorly money is being managed. If overspending is an issue (with a possible credit card debt), figure out which categories to reduce spending and plan to start paying off the credit card.”

So do people work for money or it’s the money that works for them? Financial experts say a high number of people are made to believe that working for money is “the right thing to do” which is not.

Robert Kiyosaki, best known for his famous book ‘Rich Dad Poor Dad’ writes that “the main reason people struggle financially is because they have spent years in school but learned nothing about money.

“If you are like many — dependent on their paychecks to cover their monthly expenses — then you don’t think like the rich. The rich don’t accumulate cash. They accumulate assets that generate cash flow for them.”

If one wants to get rich, he should put the money into income generating assets, since assets earn you money and liability burns your money. “Most people who continue to struggle financially rely on their monthly paycheck.

Courage and Fear

Courage. One of the most powerful driving forces of human emotions. Courage is one of the elements that drives one to either flee or fight. That is, either do something or give up.

Lack of courage causes one to not do anything worthwhile. When we fear doing something it is usually because we are fearing the failure of its outcome. This is when courage is needed. The one element that will push us to push on ahead and to stop fearing failure. Courage. Sometimes, it is not the ability of one to work hard only that causes him to excel in whatever he/she does. The courage to even go that extra little effort does the trick. The courage of knowing that even in failure we learn a thing or two. Failure is just but a stepping stone. Failure is an element that has been used by the wise to turn “perceived” failures into very successful situations and people.

That fear can be used in a positive context too. The fear of failure itself can make one work hard for the simple fact that one does not want the failure in his or her life. So we should turn the fear of failure by just taking the failure as something to learn and get better at. We can take it as a learning experience so as to become better in the next trial at the same experience. Failure should not be taken as an end in itself. We should look at it as something that makes us get experience in whatever we have accomplished so as to get a better starting point from next time we re-try it. The key word here is RE-TRY. We ought to make failures a boost to make us better next time we do the same deed.

As the saying goes, proper experience gets the best results. And we do getter better as we go along as long as we keep a positive attitude and keep picking the positive traits along the way. Remember courage is a very rare gem which we ought to cultivate in all that we do.

Why Kenyan Ladies End Up Single For Life


Why Kenyan Ladies End Up Single For Life

The empowerment of the girl child in Kenya has led to the increased number of single ladies. The African man still remains African and he expects a woman to just like his mother despite the changing times. However, the girl  child is so empowered till she has revolutionized the marriage set up. She has taken up the man’s responsibility, can sustain herself, feed, dress, drive go out. e.t.c This has posed a major challenge to the African man, and in return made him very choosy on what woman he spends the rest of his life with. This has seen many ladies remain single.

Here is an article on why many ladies remain single:

1. Many Kenyan ladies will end up singles for life because of media exposure

It is so disheartening how a lady will glue her eyes on a mobile phone from morning to night, only to raise it up to focus on television to watch another celebrity entertainment channel. Tell me, what else will dominate this lady’s mindset aside how to live a fake celebrity life being promoted on television channels?


2. Many Kenyan ladies now dislike cooking and home chores

Just because they had been totally brainwashed by movies showcasing men playing the role of women in a family, and due to excessive exposure to modern media that promotes gender-equality in a destructive way that’s aimed at destroying the unique African family setting that made our previous African marriages everlasting and envious to the westerns. Now, with this attitude, how do you expect a Kenyan man to desire to marry when he knows he is only buying more headache and trouble than helper for himself?


3.  Modern fashion and craze for gadgets is a great barrier to most ladies finding love and marriage. How do we explain a single lady whose only desire in life is to acquire the latest clothe in town, the latest mobile phone and pad to the detriment of her woman worth? How can a single lady maintain this lifestyle for long without bowing low to immoral lifestyle? How do you expect a man from a responsible family background, and who is in his right senses to propose marriage to a lady whose utmost desire and concern in life is to acquire costly electronic gadgets, clothes, jewelry, perfume, etc? Of course, majority of men would like to date such a trendy lady for fun and show-off, but wouldn’t want to propose marriage to such a lady even if she is earning the money herself because her expensive lifestyle already is a big turn off to most responsible serious-minded single men. Only men that are out to catch fun will be closely attracted to her, and her chances of getting a marriage proposal from them is as slim as a camel passing through the eye of a needle.


4.  Excessive makeup turns most decent and serious-minded men off

if you have observed, you will discover that most men dislike excessive makeup, and more don’t even like it at all; reason they often times discourage their true loved ones to do away with it cos it speaks ill of a lady even though so many men will applaud and complement you for looking like an Egyptian mummy. A slight makeup is okay; but if you are out for marriage, try always to look simple and natural, it will attract better men, decent and serious-minded, except you are still living in your high school life and not thinking towards marriage.


5.  Cut Down Your Participation in social network sites

If possible, close your facebook and twitter accounts because they may be doing you more harm than good, but you wouldn’t know until you hit 35yrs plus and still single and searching.  If you cannot maintain a sizeable number of vital friends and family members as friends on your facebook, twitter, etc accounts, then you need to close the account and focus with your offline life. No man would want to marry a lady who jumps from one social network site to another because it is a clear sign of an unfaithful lady or about to be unfaithful lady, yes, that’s how men view it. Who are you to have a thousand friends on facebook, same on twitter, maybe on wassap, 2go, twoo, BBM, badoo, eskimi, etc?


6.  Stop Giving Your Number Out To Every Dick & Harry!

No man would want to propose marriage to a lady whose phone is always talking and laughing with unserious calls. You may not be a playgirl, but he would judge you as one, and will likely flee at the slightest chance or disagreement.


7.  You Don’t Bring Any Value Into The Life Of Men You Date or Are Dating

Because your best friend married without contributing anything to the man that finally married her, doesn’t mean it will work for you that way. Think, work towards equipping yourself so that you can be a value and also add value to his life to convince him that you are worth committing to. Adding value to his life isn’t by giving him money, or material gifts, nope….good counsels, being his best friend, helping him attain his goals in life, lending him moral, mental and spiritual support, and by not just being a liability that only bring requests and problems to be solved.


8.  Your Friends Run Your Life

How do you expect to find a husband when you still allow your clique of friends to be dictating which man you meet is worthy of your love and which is not? When will you wake up and face the fact that those your best friends even though they cherish you, wouldn’t want you to marry before them or to marry the best man?


9.  You Move Around In Group

Often times, you miss the advance of a good decent man when you move in group, be wise. Again, men don’t always fancy ladies that move around in group because most ladies can only be reasonable when you separate them from their group of friends.


10. You Give Everything Out During Dating

As a single lady who has not been taken to the altar, you need to reserve some things for your husband to be, especially your body, respect it and preserve it at all cost. In the past, men rushed to marry to get certain things or privileges they had been constantly denied while being single. Such privileges include and not limited to: constant sex and companionship, good food and tidied home, etc. But today, a single man gets even the best and of course more of constant sex, good food and excellent home-keeping more than his married counterparts, so tell me how the hell you want him to desire to marry you when you have given him virtually everything he desires from a wife while being his girlfriend? And the most painful part of it all is that he knows that you are prepared to cut down on sex supply, cooking, home-keeping, etc once he marries you, so why would he not want you to remain his girlfriend for life?


For instance, everywhere you go today, you hear majority of single ladies crying that they won’t be a cook for their husbands, that their husband must know how to cook and must be participating equally in cooking and home-keeping, that they cannot marry a man who cannot cook or keep the home clean and all of that, but these single ladies are doing these things happily for their boyfriends and perceived fiancés without complain, but they keep complaining that they won’t do it when they finally marry, and the single men are hearing all these.


Now, a particular single man has three to four girlfriends who comes and cook, clean the house for him happily, and they also supply him with constant sex even when he doesn’t ask, and he is aware that once he marries any of them, she would stop or reduce the rate at which she cooks for him and would want him to be participating in the cooking, say; 60-40% of the time, and he knows too that if he marries any of them, she would start to deny him sex whenever she deems fit in the name of ‘I’m not in the mood’ or ‘I’m exhausted at work or business’ etc, but she was never tired to do any of the aforementioned things while dating the man, so tell me sincerely, how do we expect single men of today to still desire to marry like their fathers and forefathers desired to marry, with all these shabby scenarios surrounding our today ladies?


11. You Package Yourself Wrongly

In your attempt to look sexy, adorable and maybe appealing to guys, you have derailed from appealing to appalling. In fact you look more whorish than modest; more distractive than attractive, and more disgusting than adorable. Your dressing style determines who gets attracted to you most times. If you dress high school, only high school-thinking guys will be attracted to you, and if you dress excessively sexy and provocative, only randy men will come to you for urgent satisfaction of their immediate sex urge, so don’t be fooled by media hyping of certain kinds of dressing, they are meant for certain set of ladies you wouldn’t like to be associated with, be careful. Remember, not all clothes that look sexy are good for a seriously searching for a soul mate single lady.

12. You Lack Manner, Character, Wisdom and Good Home Upbringing

Definitely, your ‘hot girl’, ‘pretty girl’, ‘sexy girl’ looks will win you so many men; both the good, and the bad, but your inner beauty, your character and manner are the things that will determine whether any of those men would stay or run after accomplishing their evil missions. In order words, do away with nagging, being possessive, challenging with men in negative ways, the mentality of ‘what a man can do a woman can do better’, a lie devil has used to deceive and destroy so many ladies today, please do away with it.


13. You Are A Liability

In as much as we know that the present economy of Kenya and the world in general is harsh, men and society in general careless about how you react to this situation, how do I mean? Read on.

You are from a poor family background, and you have no job or you are earning below $1000 a month but you want to wear designer clothes, shoes, jewelry, perfume and also carry Prada and Gucci hand bags. You want to use the most expensive gadgets- mobile phones, pads, etc. you are from a poor family background, or average family, etc is not a justifiable reason for you to be depending on men for virtually everything you need in life. Show yourself some respect. And don’t think you can split your exorbitant expenses amongst different men, by dating different men so that you won’t be demanding from that one you truly love amongst them, so that he will be convinced that you are a good girl who doesn’t demand, fallacy! A man knows when his woman is sleeping around with other men to meet her needs, most men only decide to keep mute for reasons, don’t get it twisted, but hardly will they marry you- that’s why you see a lot of pretty ladies complain; “after giving him my love, my body, my heart, and did everything for him, etc, he paid me back with heartbreak, God will punish him, blah, blah, blah” says who? Of course you don’t expect a man in his rightful senses to marry an unrepentant whore, do you? Would you welcome your own brother bringing home a playgirl as his would-be wife, be honest please?


There are zillions of decent and honorable things you can do as a single lady to at least meet your own financial needs without sleeping around with men or depending on one man to supply all your needs. Finally, cut your skirt according to your length. You are from a poor family, your parents earn below $3000 a month, but you want to look like Rihanna, wear the same clothe she wears, you want to live a similar life Beyonce, Genevieve and Tiwa Savage lives, and you want to dine in the costliest hotels and restaurants, and you are jobless or earning below $2000 a month. Now tell me sincerely, how is it possible to achieve this foolish goal without patronizing immoral lifestyle to meet the insatiable demands?


14.  Your Role Models Are Totally Strange And Bad!

If you want to be a great woman tomorrow, start now to emulate great women- study their foot parts, their lifestyle, their ways and try to inculcate their lifestyle into yours. Stop looking up to music stars and fake celebrity ladies, etc as your only role model in life. What happened to looking up to women like- Ngozi Okonjoiweala, Oby Ezekwesili, Chimamanda Ngozi Adichie, Sen. Dabiri, Sang Suu Kyi, Hilary Clinton, Michele Obama, etc? Stop glueing your eyes on fashion TV, Fashion One, Big Brother TV Show, E! etc, and start now to build interest in economy issues, current affairs, economy and business news, watch more of CNN, National Geographic channel, Channels TV, ESPN, Discovery World, Animal Planet, Aljazeera TV, Super Sports, etc, these are what men love to see women do because only a handful of women show interest in these, and those few women are those ones that end up being great women in future. Movie Magic, Africa Magic will only inculcate bad habit, poor manner and laziness in you, please wake up before you end up single for life, which I pray not.