cheruiyotkb @cheruiyotkb
~ NSE ~ Insurance ~ Personal Finance ~ Retirement Planning ~ SACCO ~ Unit Trusts ~ abojani.com Nairobi, Kenya Joined October 2013-
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Lifestyle Creep Parkinson's Second Law: It says that expenses will always increase in proportion to income growth. This means that a person will always increase his spending on something if his income also increases.
In economics, there’s a concept called the Subjective Theory of Value. It says “value” is derived from the importance an individual places on a good or service.
I'm a financial advisor and I can confirm that this account is equivalent to, if not more than a Havard Finance class. I learn alot from you,Sir. May God bless you abundantly.
I'm a financial advisor and I can confirm that this account is equivalent to, if not more than a Havard Finance class. I learn alot from you,Sir. May God bless you abundantly.
Good debt is the money borrowed to acquire assets that have the potential to increase in value or generate income over time. An example of this is taking out a loan to buy assets such as machines that will increase the efficiency of your business operations thus generating more…
I was recently counting the last decade and I noticed I put in over 100,000 hours of computer related skills. Leveling up permanently. Lifetime learner.
I was recently counting the last decade and I noticed I put in over 100,000 hours of computer related skills. Leveling up permanently. Lifetime learner.
You have worked a decade, thereabouts; and are probably earning a higher salary. You have become a master in your craft so you can leverage on that for more income. Review the money decisions made long ago, like joint ownerships, plots, insurance policies, businesses, etc. Do…
An ideal personal financial plan should look more or less as follows, •Get a job, increase earnings over time •Build a 3-6 month emergency fund •Have medical and life insurance •Enroll in a retirement fund •Invest the rest as follows, ~money needed under 5 years put in…
If you invest Ksh 3 million for your mum in infrastructure bond at 18% pa as siblings, she will be getting Ksh 540,000 per annum or Ksh 270,000 every 6 months which is like a salary of Ksh 45,000 per month. #MothersDaygiftideas #AMothersLove ❤️
Safaricom and associates control 74% of the 🇰🇪 mobile loans market.
Nothing ever prepares you for life after college. You are a graduate, you want to secure a good job, gain financial stability, marry/get married, etc. You want to secure your future and there are people dependent on you. Adulting is finding your groove in a maze of uncertainty.
On your journey to #1Milli, get your first Sh 100K. The first hurdle most people fall at is they want to be rich NOW. But a goal like this is not something that can be achieved in a short time. Instead, aim at getting your first Sh 100K. Whether you save it or invest it, just…
Worried about making the wrong investment decisions? Investing shouldn't be a gamble. You deserve a clear roadmap to success. Our Masterclass equips you with the right mindset, skillset and the toolset to make informed investment choices and build a secure financial future.
Consistency builds momentum. You can commit time and effort to building your business, while being market-wise and practicing delayed gratification. A step towards building a better future starts with a small monthly percentage. Once you can invest Sh3000, it becomes easier to…
You know you have made it in life when you find something that you never want to retire from. You cannot work a salaried job forever, however well paying. Most people who retire when they get to 60 die out of boredom, or loneliness, or both. Work on a passion, eg. farming.
NCBA has 27,215 shareholders with 100,000 shares or less, 85% of whom have 5,000 or less shares. A Kenyan company is building wealth for these guys, but we are trying to spin the NSE as a playground for big fish. Then we'll complain about the youth betting instead of investing.
Every new month, normalize using your income to, √Pay bills √Pay off debts √Build social capital √Add to investments √Add to emergency fund √Keep the rest for yourself This is the formula to derive job satisfaction & enjoy the journey to wealth as well as the destination.
If you invest in dividend-paying stocks, bonds, or money market funds; consider reinvesting the dividends or interests you receive. This reinvestment allows your investments to compound over time, potentially increasing your overall returns. #1MilliChallenge2024
Investing for beginners made easy. The @TheAbojani May Masterclass breaks down investment basics, from setting financial goals to choosing the right investments. Get started on the path to financial success! Call: 0763 682 116 or email: [email protected] to register.
Moe @moneyacademyKE
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Abojani Investment �.. @TheAbojani
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Moe @moneyacademyKE
295K Followers 5K Following Market insights to help you invest wisely. Get free business news updates via WhatsApp ➡️ 0769000111
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Mwango Capital @MwangoCapital
118K Followers 989 Following |❤️Financial Research & Analysis on East Africa Markets| |🗞️Newsletter: https://t.co/vXkqHKrslm| |💬WhatsApp: https://t.co/aiPsJmwtqB…|
Abojani Investment �.. @TheAbojani
68K Followers 782 Following Abojani for everyday investor. Empowering retail investors through investor education || Contact us: [email protected] Telegram https://t.co/sK9t9VIeeL
TurboDiesel @alexmwanzo
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SokoAnalyst @SokoAnalyst
362K Followers 7K Following Lawyer. Industrialist. Entrepreneur. Poet & CEO of @SokoDirectory Which publishes Business News, Does Social Media Campaigns & Market Research & Investments.
Janet Machuka @janetmachuka_
223K Followers 12K Following Social Media & Content Marketing Expert l Co-founder @AfricaTweetChat @Sparks_Corp l #SpacesHost: #AfricaTweetChat Wed 9pm EAT. Journalist. Loves documentaries
Mihr Thakar @MihrThakar
86K Followers 2K Following Analytical mind, finance, politics, philosophy and business. Funny, mood changes etc. Telegram channel: https://t.co/BFT2ax7Hns
Michael @JaMtoka
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Rufas Kamau ⚡ @RufasKe
48K Followers 8K Following 🇸🇻 🇰🇪 Research & Markets Analyst @FXPesa_Official ; Senior Contributor @forbes; I love trading in the financial markets; #Forex #Stocks #Bitcoin #ETFs
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Besides exercising self control, young adults should normalize the following finance lessons, 1. Start saving/investing in low hanging fruits eg. MMF 2. Rent - don't stress, downgrade quickly when you can't afford. 3. Marriage/wedding - do what works for you; not for your…
If you cannot pay it in cash, you cannot afford it. If you cannot buy it twice, you cannot afford it. If you cannot afford it, you should think twice about buying it. If you are going to borrow money, it better be for something that makes money or grows in value, or both.
The "next of kin" title used in banks cannot be used to lay claim to a relative's funds in case of demise. But banks don't educate their customers on this. If there is no will, your money will need lengthy legal procedures to be released to your kin. Avoid such situations: 1:…
Plan your moves before the money hits the account. When it hits, you just move it quickly. Idle money attracts bad spending. If you are getting paid this week, you should spend today or tomorrow planning your expenses. Doing this will help you reach most of your money goals.
Waking up to dividend alerts, payment notifications, etc. lifts up your spirits. Also, ~When you can pay off your expenses. ~When you have different income streams. ~When you have more assets than liabilities. Money works for you when you build streams of passive income.
Put an oxygen mask on yourself first before trying to help others. Get an emergency fund first before trying to rescue everyone in your family from their financial troubles. Playing Father Christmas on a weak asset base will soon get you in a financial rut and no one will care.
@georgediano A man is like the bulldozer that builds a road so well but when the road is completed, they bring a low loader to carry the bulldozer away, claiming it will spoil the road. Men, work smarter, save and invest for yourself alone because poverty in old age is like a death sentence.
In your financial independence journey, balance your present and future needs. You will never be 20 again. What was exciting at 20 will not make sense at 40. Create memories today while you invest for tomorrow. Assets are valuable but memories and experiences are invaluable.
Some of the most effective ways to grow wealth from your 20's, • Invest in your education • Learn and monetize skills • Allocate and manage money • Create more income streams • Focus on your personal goals • Plan and work long term goals • Reduce unnecessary expenses
It's completely normal for people in their 20's to feel the pressure - aging parents, diminishing circle of friends, career uncertainties, etc. Life isn't a race. Your journey is unique, and there's no expiry date on starting anew or pursuing your dreams. Keep pushing forward,…
Twenty-somethings? There's nothing wrong living on a budget: 1. Move to a lower living cost area. 2. Rent a house for under Sh 6000. 3. Learn to prepare cheaper but healthier meals, and eat out less. 4. Don’t spend money to impress other people. They don't care. 5. Cancel…
Your salary is the motivation you receive to keep working. Without it, poverty is almost guaranteed for many from poor backgrounds. The idea is to use that salary wisely up to an extent that you will not rely on it alone. Don't blame the circumstances. Start with what you have.
If you are standing on a shaky resource base, never introduce yourself to a lifestyle you can’t afford. And never assume a lifestyle that is dependent on someone else’s money.
As you get older, it's advisable to plan for the future. Work on your career, save and invest money, and find a partner who shares your dreams. Don't waste time on things that don't matter in the long run. Focus on stability, loyalty, and peace of mind.
Black tax is so deep that when you marry someone, you marry their family too. This can bring resentment especially when one side of the family is benefitting more. The danger with this is that a new marriage may not be strong enough to provide for the extended family.
If you've just started investing in bonds, know that you don't become wealthy by investing Ksh 100K once. You repeat the process, over many months or years, until the returns are enough to cover recurrent expenses or buy other asset classes eg. real estate.
If you removed money from your friendships and relationships, 99% of phone calls would cease. The money we pretend not to worship affects how you are seen by friends and foes alike. No one tells you the power money has to strengthen, weaken, or destroy relationships.
My investing strategy is quite simple: Top up MMF, SACCO BOSA, and accumulate dividend stocks, every month; for the long term. Transfer Sh 100K every few months from MMF to new bond positions. That's all. It's boring, but it works. What's your investment strategy?
Being able to have money and not have a constant urge to spend it is the highest level of discipline and personal relationship with money.
You will never get to a point where you feel that you earn enough. If you don't start with the little that you earn, expenses will creep up and eat all your money no matter how much you earn. Saving, investing, and paying off debt is a matter of choice, not size of income.
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