Young, energetic, curious and restless are just some of the adjectives used to describe people belonging to this crucial age cohort. They have just finished school or have just landed their first job(s). They are at a stage in life where they barely know what to do or who to talk to. Save for classroom education, most of them don’t have much experience in anything. They are broke or literary surviving on meager resources. So is it possible to start investing at this age? If yes, how should a person in their 20s invest? Let me talk about how you can make good investment-driven choices at a young age. 1. Look For Skills Not Money Just because you failed form 4 or you have just graduated from college doesn’t mean you should stop looking for more knowledge. Likewise, just because you are in campus pursuing a degree and dreaming of getting a big job one day doesn’t give you the ticket to slumber. This is the perfect time to acquire an additional skill. This is the...

Bitter truth If you usually put more sugar in your tea when in a hotel than you'd do at home,  You're corrupt. If you use more tissue in a public washroom than you do at home, you are a thief who is devoid of opportunity to steal more. If you serve yourself food until you leave some food in a plate when taking buffet meals, you're not only bad mannered, you're greedy. If you usually jump queues, you have potential for abuse of office if given a powerful position. You're a dyed in wool tribalist if your first concern is the tribe/ surname of the person treating/serving you. Its even worse when you ask somebody's name then ask, "that is which tribe?" If you overlap while on traffic to wherever you're going earlier than others, then you'd embezzle public fund if you're given a position at a public office to get richer faster than others; you are corrupt. If you channel waste and dirty water from your compound rather than managing it and...

Which matter most in wealth Creation?  *A good friend encourage you ,invite you for dinner & can spoil you just to make you feel appreciated*   *Great Friends connect you with their   networks for wealth Creation ,ideas development ,opportunities connections ,learning & making new more great friends*    *The power of association state that  those  you associate with its either they increase you ,neutralize you or decrease you*     *A Wiseman once said " when you win watch keenly those who will not congratulate you*"  *Thank me later*   Real wisdom is when one understand in practice the difference between friendship and networking  . Who can define the art of friendship ? Who can define networking ?   The art of Friendship and Networking  are worldwide confused  or misunderstood .   Just like ...   -Arrogance and confidence/courage  -Sycophancy & Loyalty .   -Rich & Wealthy ...

Do you ever think of starting a small business of your own? You`re a right thinking person. Now is the right time to start that business. But I don`t really know how to go about starting a business? Well, that`s the reason why I’m here. I will discuss below with you in two parts. First, things you have to do before starting that little business. Second, thing you have to do when you`re running your business, so as to make money from your business Before you start that business. 1. Understand what business is. I think the best place to start our discussion on this topic is to try and explain what business is. I know you will feel insulted if I ask you, “do you know what business is?” All of us assume that we know, yet most people don`t know what business is. Some people see business as a place to make money. That`s half-true. Some see business and as a venture where we sell products and services. That`s as well not completely true. Business is a venture through which we solve people`s p...

Becoming a millionaire is not easy. There are different things you need to do in order to make your dream a reality. You won’t become wealthy if you keep doing things the same way others are doing them. Here are four things you should do right now to become a millionaire. 1. Develop a written financial plan A financial plan is necessary if you want to become wealthier in future. You will not attain your financial goals if you lack a financial plan. A plan acts as a guideline to wealth creation. 2. Focus on increasing your income A single source of income is not enough to make your wealthy. Focus on creating different sources of income. You can start a business in town to supplement your income. Conduct proper research before opening doors of any business in town. 3. Live below your means Wealthy persons live below their means. Do not spend more than what you earn. Ensure that you save something at the end of the month. 4. Associate with millionaires Do not waste time ...

The richest man in babylon

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I feel obliged to throw here some random thoughts, observations and lessons I have picked in life. 1) If you stay in rental flats,don't play loud music.Try to limit the volume of the music within the confines of your house. Don't assume you are entertaining your neighbor with ur latest collections,it is ANNOYING,he could be reading for exams or has a toddler who is trying to sleep. 2) If you are above 30yrs old,never participate in a road race to try and out-compete other presumably inferior cars.That's stupid and boyish. Stick to the maximum speed limit of 100km/hr. 3) The most naive thing you can do when buying a 2nd hand car in Kenya is to look at its mileage.There is no way a 2008 car can have a mileage of 49,000,don't be silly. 4) If you want to live long, don't take Kenyan politicians seriously. NEVER EVER....that is my humble piece of advice. 5) If you want to venture into agribusiness, make sure it is large scale. This is one sector that thrives on economies...