Hospitalisation is generally physically depressing, and can turn into a financial tragedy if you’re not well prepared. Lately,medical care is so expensive and has made access to quality health care a luxury, and even then, the quality is arguable. While you can’t predict sickness or accidents, there are certain things you can do before and after hospitalisation that help you greatly reduce your medical expenses….
Read More“An Investment operation is one which, upon thorough analysis promises safety return of principal (amount invested), and an adequate return. Operations not meeting these requirements are speculative” – Benjamin Graham. The Intelligent Investor An investor’s focus should be learning and implementing strategies that ensure security of the capital, and an adequate return. Anything that is not focused on these two objectives is considered speculation…
Read MoreMost of us tend to overspend on furniture, and in most cases end up regretting because it doesn’t last as long as it should. We’ve all heard (or experienced) horror stories where someone buys a fantastic looking table/bed/sofa, and within a year, they have to replace it because it’s broken or no longer works. As Team Frugality, we want to spend as little as is…
Read MoreAbout beating the market… Most books will claim that they can teach you how to beat the stock market, i.e how to invest in such a way that you will earn better returns than the general market. No one can teach you how to beat your market, and beating the market shouldn’t be your goal. Focus on maximizing the chances of achieving sustainable gains. About…
Read MoreI love land and have invested in it to a small degree, but I hesitate to write about it as an investment option, because my love for it is based more on emotion than fundamentals, but in subsequent posts, I’ll be enumerating rational reasons why I think it’s wise to invest to include small real estate in your…
Read MoreWell… The fundamental truth about all nations is that they have ambitions. It is never written anywhere but its in the “psyche” of the nation. They can be big ambitions or small ambitions, and the education systems in countries mutate to match the ambitions. We (Kenyans and our leaders) are lazy. We dont want to be a great nation,we just want to get by and as…
Read MoreMy reading has really suffered of late, and while it’s easy to blame technology and social media, I think lack of discipline has been the reason. Distractions have been there and will always be there, it’s up to us to develop internal discipline and foster habits for success in life.I bought Good To Great about 3 years ago, but it remained unread on my bookshelf…
Read MoreLast night, I got into a very spirited argument discussion with a close friend on education systems. He was of the opinion that education systems are part of a larger societal dynamic, and one person cannot change systems within which society operates; for that reason he didn’t see the need to take children through a different system, which would turn them into societal rejects (paraphrased)….
Read MoreI love gadgets, just as much as the next 21st Century person, but I’m also a frugal person (or I try to be), for that reason I don’t spend much, if at all on gadgets. Right now, I have the iPhone 4, Galaxy Tablet, and I need one more phone, so I’ve been looking for HTC One deals hoping to find a reasonably priced phone. Over the last…
Read MoreAs I mentioned in this post (Why I chose To Work In A Start Up Over A Corporation), not everyone thrives in a start up, there are certain inherent qualities that make you a great start up employee. I expound on a few of them on this post. 1. Does lack of structure excite you? Most start ups lack structures and in most cases will depend…
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