You’re excited to start a business. Maybe you have an idea, or you’re just fascinated with the idea of launching and growing your own enterprise. You’re willing to take some risks, like leaving your current job or going without personal revenue for a while. But there’s one logistical hurdle stopping you: You don’t have much money. On the surface, this seems like a major problem, but a lack of personal capital shouldn’t stop you from pursuing your dreams. In fact, it’s entirely possible to start and grow a business with almost no personal financial investment whatsoever -- if you know what you’re doing. Why a business needs money First, let’s take a look at why a business needs money in the first place. There’s no uniform “startup” fee for building a business, so different businesses will have different needs. It’s important to first estimate how much you need before you start finding alternative methods to fund your company. Consider the following uses: Licenses and permits. Depending

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President Uhuru Kenyatta has called on Kenyans to preserve the country’s heritage, history and culture. The President spoke when he launched Miss Uhuru: Working for Mzee Jomo Kenyatta, an autobiography written by Mrs Elizabeth Madoka, a long-serving public servant. The author of the book won the first beauty pageant after independence, and then worked for Presidents Jomo Kenyatta and Daniel arap Moi. In his speech at the Kenya Literature Bureau, President Kenyatta said the book preserved the lessons of the past, and transmitted the wisdom of Kenya’s elders. “We must preserve these vital memories, and I am glad that she has chosen to do so,” said the President. He commended Mrs Madoka for her selfless service to the nation since Kenya’s independence, saying her life story sets an example worthy of emulation. “She served her nation honourably, and she maintained high standards of order, diligence, and patriotism,” said the President. Adding: “Kenyans need to be reminded of stories like h

Today, tens of thousands of people are considering starting a home based business, and for good reasons. On average, people can expect to have two and three careers during their work life. Those leaving one career often think about their second or third career move being to their own home. People who have been part of the traditional nine-to-five work force and are on the verge of retiring from that life are thinking of what to do next. The good news: Starting a homebased business is within the reach of almost anyone who wants to take a risk and work hard. $1,500 or less to start up 1. ACCOUNTANT Experience, training or licensing may be needed Create a flier outlining your services. Before you do that, you need to know what those services will be. Do you want to simply do bookkeeping for a small business? A more involved level of accounting would be do actually work up balance sheets, income statements, and other financial reports on a monthly, quarterly, and/or annual basis, depending

If you know you have KRA PIN Please take your time to read this because if not,dont be surprised the money you are going to pay to the Government of Kenya as fines and penalties because of your ignorance. It has come to our attention that, Kenya Revenue Authority Has not educated Kenyans about the personal Identification Number (PIN) which they require every Kenya who is above 18 years to have. Students Receiving HELB LOANS I know most of you applied for KRA PINS in cyber Cafes, THE MOST SENSITIVE PART Immediately you get KRA PIN,there is Something called TAX RETURNS Which every Kenyan with KRA PIN is supposed to submit at KRA website.It does not matter whether you are working or not.This TAX RETURNS are submitted according to the amount of money one earns per year. RECOMMENDATIONS If you have KRA PIN : 1. You need to register with ITAX at itax.kra 2. Go to tax returns form and fill NIL Returns or 0 returns Register at KRA Itax page and fill the online forms to avoid penalties PENALTIE

Because Kenya’s mainstream media and many other sources will not tell you more about the visiting South Korean Leader Park Geun-hye, let me do it here. Like Uhuru, Park Geun-hye’s father was Korea’s President in the 1960s, precisely the same time Jomo Kenyatta was President of Kenya. Her father, Park Chung-hee, ruled Korea from 1960 to 1979, when he passed away. Uhuru’s father ruled Kenya also from 1963 to 1978, when he too passed away. Often when people discuss Kenya and Korea, they end the discussion at the point where the two countries had the same GDP in the 1960s while the South Korea GDP today is almost 10 times that of Kenya. What people don’t see is how the leadership of these two countries have been markedly different. Between Park Chung-hee (president of the 2nd, 3rd and 4th republics of South Korea) and his daughter, Park Geun-hye (president of the 6th republic of South Korea), there have been seven presidents! Between Jomo Kenyatta and his son, there has only been two other

Good afternoon; Thank you all for coming. I have a number of issues to tackle today. Let me begin on a positive note. As you all know, this Wednesday Kenya marks 53 years of internal self-rule. Madaraka Day is a time for national pride and patriotism. It is an opportunity to collectively consider where we have come from, celebrate our progress, reflect on the challenges we continue to face and renew our commitment to building a peaceful and prosperous nation. The President will on Wednesday join citizens in commemorating this important national event, while presiding over celebrations that will held at Afraha Stadium in Nakuru. Every effort has been made to ensure a successful event. The grounds have been readied, the area has been well-secured and measures have been effected to ensure the organised flow of traffic. Our armed forces have also rehearsed and are ready for the celebratory parade as well as the President’s inspection. The Government wishes to invite all citizens to share i

Apart from being one of the longest- serving African heads of states, President Robert Mugabe is known for his witty and sometimes foolish quotes. Here’s a compilation of some of the hilarious quotes from the Zimbabwean President: 1. Any man who successfully convinces a monkey that honey is sweeter than banana, is capable of selling condoms to a Roman father. 2. Dear ladies, if your boyfriend didn’t wish you a happy Mother’s Day or sing Sweet Mother for you, you should stop breastfeeding him. 3. He who swallows a complete coconut has absolute trust in his anus. 4. Dear sisters, don’t be deceived by a man who texts you “I miss you” only when it’s raining, because you are not an umbrella. 5. Swimming pool is more useful than Liverpool. 6. If over 15 guys have sucked your breasts, you don’t need to call those things “your breasts”. It’s called COW BELL, OUR MILK! Repeat after me, OUR MILK! 7. It’s hard to bewitch African girls these days. Every time you take a piece from her hair to the w

“Trust is like a paper, once it’s crumpled it can’t be perfect again. You can flatten the paper and try and make it as straight as you want, but it will never be perfect again.”

There were two brothers, 8 and 10 years old, who were exceedingly mischievous. Whatever went wrong in the neighborhood, it turned out they had had a hand in it. Their parents were at their wits’ end trying to control them. Hearing about a priest nearby who worked with delinquent boys, the mother suggested to the father that they ask the priest to talk with the boys. The father agreed. The mother went to the priest and made her request. He agreed, but said he wanted to see the younger boy first and alone. So the mother sent him to the priest. The priest sat the boy down across from him at a huge impressive desk. For about five minutes they just sat and stared at each other. Finally, the priest pointed his forefinger at the boy and asked, “Where is God?” The boy looked under the desk, in the corners of the room, all around, but said nothing. Again, louder, the priest pointed at the boy and asked, “Where is God?” Again the boy looked all around but said nothing. A third time, in a louder,

BY KIRIMI SILAS CLB Am eagerly waiting for this unique opportunity that has never been witnessed before in Kenyan soil.Baba,H.E Raila Amolo Odinga the peoples',the father of democracy and the icon of Kenyan reforms will be presiding over this years Madaraka day national celebrations at Uhuru Park grounds in the Kenyan capital,Nairobi come Wednesay 1st June.The event will be attended by both local and international dignitaries.Alot will be discussed on the essential electoral reforms before 2017 and how to realise real freedom.It is the first time Madaraka celebration is regaining value after many decades.Meanwhile the IEBC president will preside over another meeting the same day in Nakuru where he feels ethenically contented.Lets meet at Uhuru Park for the historical event. RAILA FREE TO HOLD PARALLEL CELEBRATIONS-VIA THE STAR Cord leaders are entitled to hold parallel Madaraka Day celebrations as long as they do so peacefully, Interior CS Joseph Nkaissery said on Friday. Nkaissery

1. BECAUSE ANYTHING IS POSSIBLE I remember an old Adidas advert with a theme “impossible is nothing”, and really impossible is nothing. Anything is possible, but it all starts with your mind. 2. YOUR DREAMS WOULD MAKE THE WORLD BETTER Graham Bells is the father of telephone, and today the world has become a better place through telephone and telecommunication. No matter how little your dream is, it would definitely make the world a better place. 3. YOUR SUCCESS WOULD INSPIRE OTHERS When you don’t give up and then you achieve your dreams, you would be a source of inspiration to many other people that you aren’t even aware of. 4. BECAUSE YOU ARE STRONGER THAN YOU THINK A lot of people don’t know the strength they have deep within; a lot of people underrate and underestimate themselves. But the truth is — you are way stronger than you think. 5. IT’S THE ONLY WAY TO SUCCESS Giving up is the easy way to failure and not giving up is a way to success. 6. A LOT OF PEOPLE NEED YOU TO A lot of p

The social media is definitely one online space that has got the world going; it has added its own bit to the communication industry on a global level, it has made news and gossips fly round like wildfire, and it’s been a go-to place for people — where they keep in touch with the world, have fun and then retire for the day. I mean the social media is a very important media and the world would feel very empty without it, but it also has its ills, and there should be careful consideration before you post certain things on social media. 1. YOUR WEALTH You are a successful business executive or very successful in your chosen career, you have the world at your feet and you feel very satisfied and then you flaunt your wealth on social media. You should be wary of such an act because not everyone is happy at your success; some would hate you for your success and some would go beyond words to show their hatred. 2. YOUR RELATIONSHIP It’s pretty normal to share your relationship on social media,

While you were ignoring her on Whatsapp I was giving her more attention. . While you were out with your friends I was with Her. . While you couldn't take her calls I phoned Her. . While you were busy I was giving her all of my time. . While you were not available I was her shoulder to Lean on. . While you were never there for her I offered to spend some tıme wıth her.. . While you slept without sending her a text I wrote her a Love Poem telling her how Beautiful she is. . The more i made her smile the more I Won her Heart. . The more I gave her joy the more useless you became to her. . She didn't cheat on you But She got tired of You . She tried to phone you to give you one last chance but as usual you never listen so She gave me what was yours. . If you want to know how I got your girlfriend...... . * I learned to listen to Her. . * I learned that smaller things makes one happy. . * Most of all I learned to Love Her the way She wanted to be Loved. . MEMBERS, Male and Female...

The cornerstone of every successful startup and the launch of the company is actually a great and carefully thought out social media strategy. We can’t escape the fact that social media isn’t just for fun anymore. For the longest time, companies have seen the potential of social media platforms and used it to their advantage. But how? Stimulate Your Audience with Your Brand Social media enables you to not only introduce your new brand to the public but if it’s carefully packaged it is supposed to get your audience excited about your company and products. It’s a powerful and effective way to create a unique experience that will get the audience engaged and share your products or services with the rest of the world. Whether it’s a beauty brand selling makeup products, or a florist selling get well soon hampers, they can all use their unique brand vision and coin a story that’s going to attract clients and get them excited. This can boost your popularity in a matter of days or even hours,

Every man has a woman they wish they could be with and there’s nothing absolutely wrong with that. But one mistake most men make is that they fail to make themselves desirable. If you want the woman of your dreams, you have to make yourself the man of her dreams. Below are 5 ways to get the woman you have always desired 1. BE PREPARED TO BE JUST A FRIEND Many men are not ready to be just friends with a woman they desire and I honestly think this is wrong. Just because she turned you down is no reason to stay away from her. Remain friends with her and you might end up winning her heart as she gets to know you better. 2. DON’T MAKE PROMISES YOU CAN’T FULFILL Many men ruin their chances with women because they fail to fulfill promises. This attitude is so wrong and it will only take you far away from the woman you desire. Learn to stick to your words. 3. BE FINANCIALLY COMFORTABLE I had to add this because most men think a woman needing a man who is comfortable financially is a gold digge

Media personality Caroline Mutoko has called out KTN investigative journalist Mohammed Ali over how he conducted his analysis of Jacob Juma’s death. In the Monday, May 23 Jicho Pevu expose titled: Kaburi La Wazi, Mohammed Ali delved into a number of issues including chronological movement of Jacob Juma on his last day, May 5. However, what stood out and sparked social media discourse is how Mohammed Ali unveiled the name and face of the mysterious lady who was in the company of Jacob Juma at his apartment in Westlands, Brookside Drive. Right away, the lady became an object of ridicule on social media with Kenyans on Twitter calling her a “gold digger”. Photos of the young woman were circulated online, and within moments her name shot to the top of social media trends. Caroline Mutoko says Mohammed Ali’s expose concentrated too much on a non-issue. She contended that the story failed to unearth information that could help lead to the arrest of Jacob Juma’s assassins. Below is Caroline M

Across the globe, small and medium enterprises (SMEs) are the lead drivers of job creation and economic development. In Rwanda, the statistics are on par. According to the Rwandan Ministry of Trade and Industry, 98% of businesses are considered SMEs, contributing 41% of all private sector jobs in the nation. Rwanda’s government has created a supportive environment for these SMEs to thrive. Often cited are Rwanda’s policies which speed entrepreneurs through an online formal business registration at a record four hours. Protections for investors, practically non-existent corruption, infrastructure for online payments, access to energy, and an increasingly educated workforce are all hallmarks of a nation that is both smart and serious about economic development. Yet, we know that small business growth is downright hard. Businesses fail. Entrepreneurs fail. Ideas fail. But, by overwhelming majority, the spirit of innovation and tenacity is practically baked into the Rwandan attitude toward

Life is a flexible episode that takes the shape and path to which it is tilted to…. With many adopting the plastic comfort, living a lie and trying to scratch where their hands seldom touch while others living a true reflection of their resources, ability, means and potential. This in a broad way affects the kind of relationships youngsters embrace to compliment their lifestyle a key focus to romantic relationships. The campus dating has taken a new tangent from generations long back to our grandparents’ time and evolved from time to time adjusting to the wave of modernity, perceived civilization and trendy happenings to the real time now existing generation ,the generation of sponsors. This is the new and most relaxed way for the campus lady to get easy, lumbsum and un accounted for money. Money that her parents and maybe relatives cant afford to give her because of more pressing wants and needs than pleasure. Its true that campus life can be an uphill for everyone especially for thos

In this twenty first century, do not be taken aback to learn that your man is seeing a 35+ woman out there, just to ensure that he is financially stable to support your needs that creep in with seamless continuity. Cougars (Sugar mammies) , just so you know, there are here to stay, and each day they up their game to wooing young chaps.Ever wondered why? 1.Weighted pay cheques. They are not struggling to gain financial freedom.Money is all they got. Moreover, they ate mentally independent. I mean, they will take you for dinner in VillaRosa Kempinski, lavish you with cash to shop for Gucci jeans in Garden City. Its a def, you won’t turn down such an expensive offer, considering your parents back in the village can only afford 2000 bob for your upkeep, and your HELB application hit the rock bottom. 2: Companionship. Cougars are struggling with cheating spouses, substance abusing husbands and marriage failures. That young man who is less cautious, less nagging, less demanding and take thin

If there is a region that has paid the ultimate price for politics in post-independence Kenya with the lives of its people, it’s arguably Luo nation. There is not a single region in Kenya where graves of political victims are numerous than in this region. Young men and leading politicians have all succumbed to the bullets fired for political reasons. July 5, 1959, is edged in the mind of many but for wrong reasons. What was later to be known us the ‘Kisumu massacre’ is still fresh in the minds of Kenyans at large at large. What series of events triggered the Kisumu massacre? Four months before the fateful day, Tom Mboya who was a leading light of the community was gunned down in Nairobi in what was suspected to be a well-orchestrated move to lock out the Luo community from the presidential succession race. Another leading light of the community, Argwings Kodhek had been gunned down too. Jaramogi, Kenya’s first vice president had also resigned following a fall out with Jomo Kenyatta to

“I think I bring some fresh air to the mining business,” said Guinea-born Tiguidanke Camara on the sidelines of the 2016 Investing in African Mining Indaba in Cape Town this month. The event, attended by thousands of mining executives from across the globe, is generally characterised by suits and ties – representing an industry mostly headed by middle-aged men. But Camara stands out. Not only is she one of the youngest mining executives in Africa, but she is also the only woman in Guinea to own a mining company, and one of the few in the industry. She runs Tigui Mining Group (TMG) a company involved in mostly mining and agriculture operations in West Africa. Its subsidiary, Camara Diamond & Gold Trading Network, owns mining licences in gold, diamond and associated minerals spanning 356km² in Guinea. These include five semi-industrial gold exploitation licences on the Birimian Belt in the northeast of the country, and three exploration licenses along the Guinean Diamond Triangle in

Kenya’s leading online retailer, Jumia has launched its second white paper on mobile trends in Kenya at a press conference held at the Laico Regency in Nairobi. The launch coincides with a week-long sale with huge discounts on mobile phones, in partnership with manufacturers; Infinix, Tecno, Wiko, X-Tigi and Innjoo. It takes place between May 30th and June 3rd. The paper, takes a look at mobile trends across Africa and Kenya. In particular, the paper looks at how mobile penetration, massive growth of internet connectivity and e-commerce have converged to change consumer behaviour and retail in Kenya. The paper thus offers quantitative insights into the usage patterns, consumption, choices, lifestyle and habits of mobile phone users in Kenya through a survey conducted by Jumia. Parinaz Firozi, MD Jumia Kenya said, “Kenya’s digital landscape proves beyond doubts that the time is ripe to make mobile the first priority in every business strategy.” The conference also saw a hamper of six ne