One of my loyal readers asked this question on the previous post. Saving vs investing. Which is more prudent?

Most people associate a budget with a restricted lifestyle, no fun, and generally figures which most people have an aversion for. Sadly though, for your personal finances to make sense, you’ve got to have a plan of how you will spend your money once it’s earned. This doesn’t have to be some fancy Excel or Quickbooks document, it can be in a notebook, but everyone…

Every so often (for most of us at mid month when our cash is out) we will look at our personal finances and wonder, ‘where does it all go?’. We do our annual tax returns, look at the money we took home as net pay, and we can’t account for most of it, and we resolve to budget and plan the next year. The question…

I’m no expert in matters of  investing at the bottom of the pyramid, but looking at the statistics below, it seems like a no brainer to me. Half  the world ( 3 billion people) live on less than $2.5 a day. 80% of all humanity lives on less than $10 a day. 20% of the richest people account for three quarters of the world income….

I will preach customer care till the kingdom come. Reason being, Kenyan businesses have a way of treating customers as a necessary evil, to be exploited and thrown into the trash can at the earliest opportunity.

This is a cross post from Kaboro (thanks for letting me post). Thought it was  a good read. KPLC are you listening?

…to walk out of employment. This post will be more personal than the previous ones  because I feel the need to share a journey I have been and still am walking. When is the best time to walk out of employment?

Darius asked me how the Kenyan scene was in terms of Angel financing. According to Wiki, an Angel Investor is is an affluent individual who provides capital for a business start-up, usually in exchange for convertible debt orownership equity. Well, opportunities for an Angel to invest are boundless, the question is if the investors are available in Kenya.

It is fair to say not all of us are created entrepreneurs. Some (most) of us are better off managing other people’s businesses and the thought of the responsibility and stress in running our own businesses isn’t worth it at all. Other than stocks, how can these people make their money work for them? There are many investment options out there, but for the individuals…

Pic courtesy of Flickr If you are a mass customer you had better get used to queues and congestion. Whether it is in retail, banking, telephony or travel: you will often be treated no better than cattle. You will stand around in long lines for hours, or hang on incessantly for an operator; you will sit on hard, tiny, uncomfortable seats; you will have your…