Warren Buffett :" 12 Things POOR People Waste Money On !"

 

 

The biggest financial asset that you have going for you by miles is the value of your own earning power over the years. 

So that's really what you should focus on. Warren Buffett has mentioned 12 things poor people waste money on. 

1. Credit Card Debt 

Credit cards do have benefits. Many providers offer incentives to spend money using their cards. Like cash-back points, airplane miles and etc. 

In this way credit cards are a smart way to spend money only if you clear the full payment every month. The problems with credit cards arise when you carry a credit balance. The interest rate of the credit card is about 20%. 

That means for every dollar you owed to your credit card company you'll pay an extra 20 cents on top of it. Every month there is an extra 200 dollars of interest on a 1000 dollars credit card balance. So never carry a credit card balance. 

This principle applies to any type of loan or financial obligation that requires paying interest. Please make sure the loan is worth it.

 2. Drinks At Bars 

Money spent on pubs and bars amounts to thousands of dollars per year. A bottle of beer usually costs up to $5 at a bar restaurant. Sometimes closer to $10. If you buy from a grocery store. 

You can expect to get a 6 pack of good beer for about $10 which is at least 3 times cheaper than getting from bars. Most people go to bars for social activities but there are many other ways to meet people. 

Bar owners know that people are willing to spend extra on alcohol as a result people spend a huge amount of money on alcohol at bars. If you want to have drinks with friends you can have a house party.

 4. Gadgets & Devices 

You want the newest and greatest technology because of all the features it gives you on your phone, you get a better camera, a thinner or bigger phone and something that looks new and it is what other people want. 

But if you think about it there is very little difference between one phone to the latest. Even if you have the money to pay for a new phone, It doesn't mean you should buy it. We should compare features and specifications carefully. 

While many shoppers justify splurging on a new device for updated specs, experts cash in that the differences between old and new may be minimal and the price to upgrade may not be worth it. We buy gadgets more often than needed. Like back massagers, cool alarm clocks, fancy toothbrushes and sound systems.

 Although cool, these items are truly not necessary. The next time you see a gadget to lust over think twice before you buy, odds are we usually don't need it. 

5. Spending Too Much On Clothes 

Bill Gates spends so little on clothes he famously wears a Casio watch which costs less than $100. It's something that rich people like. Mark Zuckerberg and Warren Buffett also practice as well as Steve Jobs wear the same New Balance trainers for years. 

Why don't they spend more? There are many things out there that billionaire don't fork over because they understand that money doesn't last forever. They know that it takes a lot of work to earn their wealth and that some things just aren't that important. 

This is not to say that you can't afford luxuries but you can perhaps make better decisions about the things you buy. Mark Zuckerberg goes for the basics to create a uniform look which simplifies his life by giving him one last decision to make in the morning. 

This allows him to focus on his work and the things that matter. Gates goes for function and practicality. So he sticks to his Casio watches and simple looks of button-down shirts and chinos. He learned from Buffet that you don't need much to dress well. 

You need to be comfortable and stay productive. The key is repetition, it's about continuing to wear what you already possessed. In different ways getting more out of your wardrobe and not wasting money. 

A lot of billionaires and millionaires stay at the top in part because they live simple austere lives. With clothes being a good place to make it a practice. 

6. Buying New Cars 

Self-made millionaire and best-selling author David Bach once told CNBC, a brand-new car looks good but it's never worth the price. Nothing you will do in your lifetime will waste more money than buying a new car. 

It's the single worst financial decision millennials will ever make. That's because the moment you drive it on the road the vehicle starts to depreciate. Your car's value typically decreases 20 to 30% by the end of the first year. And in 5 years it will lose at least 60% of its initial value. 

Bach says to make matters worse most people borrow money to buy a new car. Why would you borrow money to buy an asset that immediately goes down in value by 30%? But the good news is you can get a shiny nice smelling car without breaking the bank. 

We can buy a used car that's coming off of a 2 to 3 year lease because that car is almost brand new and you can buy it at that 30% discount. To save others from making this costly mistake, we should follow the 1/10 rule for buying a car. It's simple, spend no more than 10% of your gross annual income on the purchase price of a car. 

7. Not Using The Gym Membership

 According to Statistics, close to 61 million people were members of fitness centers in 2017 But some reports stated almost 70% of memberships go unused after the first few months. 

The business model of most gyms depends on people paying for memberships and not showing up. People join gyms to improve their health and physical fitness. 

Gyms and fitness centers offer members a variety of equipment to use and numerous classes to choose from. However many people join a gym membership even though they aren't committed to working out regularly. A gym membership doesn't make sense if you don't use it regularly.

 Until you can budget for a gym membership without adding more debt. Finding free workout options is a smarter choice. There are plenty of low cost and free options for gym memberships. Many people prefer to exercise outside by walking, running or hiking. 

Train your mind and be persevering until you can commit to a fitness routine program. In this situation, then you only can fully utilize your gym membership. 

8. Cancel The Cable & Unused Subscriptions 

Thanks to the technology and internet there are endless new ways to spend money. You can sign up for any subscription like a monthly delivery of beer, a new wine each month, a monthly cheese club or even the candy of the month and have it delivered to your doorstep the same day. 

You even can fully customize your television experience. Unfortunately, subscription services can inflict more damage to your finances than other types of purchases. This is because they are set up to charge your credit card automatically through this method. 

It makes them far too easy to keep in perpetuity or even forget you're paying for them all together. A 2018 study from West Monroe Partners concluded that, consumers may be spending a lot more in total than they realized on subscriptions although those surveyed by the firm did report being satisfied with their purchases. 

Overall, most people are unaware of how much they spend on subscription services. When pressed for a quick answer they dramatically underestimate the amount. This is a boon for companies operating subscription models and a bust for advocates of conscientious budgeting. 

If you're no longer sure which subscriptions you're paying for, there are several apps and services that can help some apps let you take stock of all regular and recurring charges made to your accounts including subscription services. You can also take stock of your subscriptions on your own by breaking out your last 6 months of bank statements and credit card bills. 

Then look them over for subscriptions you've paid for. From there you can figure out which ones to keep and which ones to cut then call each company you plan to nix from your budget or cancel them online. Many Personal Care Products moisturizing and cleansing are important for skin care but if you are using lots of different products you might be overdoing it. 

With the beauty and skincare market constantly evolving it may be very tempting to try every new product that hits the shelves. With so many skincare choices available people often overuse or combine products that can worsen their skin. 

Your best bet here is to keep things simple. Find a hair face and body care routine you like and stick with a handful of affordable products when you're tempted to add more products to your routine, ask if you're accomplishing anything new or just changing for the sake of change. 

9. Spending Too Much At Restaurants 

We all need to go out and enjoy ourselves from time to time. It's great to go out with your friends for a drink or go out with your partner to a movie but how much money are you spending on it that could go elsewhere? 

This is not to say that you shouldn't go out and enjoy a night now and then but you don't need to do it every Friday night or every payday. You should try to cook and eat at home instead of going out .

Almost anything you cook yourself will be far cheaper than anything you can get at a restaurant. Even a fast food restaurant, you'll see the savings immediately if you compare the price of ingredients to a restaurant bill. Over time eating healthy, home cooked food will mean lower medical bills and less misery compared to eating out. 

You'll probably use more organic ingredients and more vegetables, fruit and whole grains. If you know that your anniversary is coming up in 3 weeks and you are craving fine dining, wait and go out for it for your anniversary if your friends go to the club on Fridays Stay in and enjoy a gentle and quiet evening at home for at least 3 weeks every month. 

10. Gambling 

Gambling can be anything from going to the casino to buying a lottery ticket. Sure the chance of putting a dime into a machine and getting back $50 sounds great. 

But what will you do once you win just a little money? You think this is your lucky day and soon you're leaving a casino with less money than you came with. This doesn't mean you can't go to the casino, But you need to make sure of 2 things before you go. 

First you can afford to go to the casino? Just because you have money in your account doesn't mean you can afford to spend it gambling. 

Second, you need to have a budget. Go to the casino with 20 dollars and once you spend that money get out of there. 

11. Junk Food 

There is a myth that poor people can't buy healthy foods because they are too expensive. Have you stood back and looked at the price of fresh fruits and vegetables compared to chips, ice cream and cookies? 

When it boils down to it, junk food is more expensive as it doesn't last as long as a bag of carrots or a head of lettuce. Plus the way your body feel. Simply isn't worth the price of junk food. Many poor people think rich people will go for lobster often or that they eat in fancy restaurants. 

But the reality is that, most people who are considered rich don't do this they like to focus on eating healthy in their own home by buying fresh vegetables, fruit and raw food. Put down that nearly $5 bag of chips and pick up the bag of carrots that cost 82 cents per pound. 

12. Smoking & Vaping 

Not only is this harmful to you but poor people spend more money on smoking and vaping than any other socioeconomic status. 

Smokers will spend around $200 on a pack of cigarettes every month especially if you go through half of a pack to a whole pack every day, the cost you spent on cigarettes every year is $2,400 and the price for 10 years is $24,000. 

Now take a moment to think about what you can spend that money onsuch as repairing your car or even saving up for a new car or house. If you want to stop smoking, there are multiple ways; you can give your mouth something to do to resist a tobacco craving chew on sugarless gum or hard candy or munch on raw carrots, nuts or sunflower seeds. 

Something crunchy and tasty. Most importantly tell your friends, family and other people you're close to that you're trying to quit.t 

They can encourage you to keep going especially when you're tempted to light up.

Robert Kiyosaki: "You Will Never Be Poor Again" | START DOING THIS TODAY!!

 

They don't want what you to know out there. They'll never get those on CNBC But our school system will never tell us it does their part of the posse fake money fake future Stay back, I Know the game of the rich my rich dad taught me, you know, uh, cuz you're the banker the bankers and the rich play is different than what they teach you in school all over the world. 

What does school teach you about money? And the answer is nothing. And that's not a mistake.That's not an accident. I knew that most people know that the way to keep the poor and middle class working hard has never teach them what the rich know. 

So if you read Rich Dad Poor Dad which came out in 1997? It's what the rich teach our kids about money the poor middle class do not. Poverty hurts. I mean, I don't like it and I don't like that our academic systems so corrupt, you know, we know the banking system is corrupt. 

 We know politics is corrupt but act but academics is just as corrupt I mean one thing if it's the banking in the politics but this is where we send our children and we trust them to do the right things for them and yet they're npt bein taught something so fundamental like you asked your dad when you were a kid dad. 

Oh, yeah strategy tell teach us about money and it was just never never and they'll never will. You know something? What do you know? Share it. What is financial education? 

It's not get a job work hard save money and invest in a well-diversified portfolio, stocks bonds mutual funds and ETFs. The financial industry is two things debt and taxes. 1971 Nixon took the dollar off the gold standard and the US dollar became debt. And we still tell kids to go to school get a job. 

Work hard save money and get out of debt. Now who tells them to do that. That's the most ridiculous thing. There is the book starts and it says line number one saving money will make you rich and ever. 

Well, you know that all taught that as kids. Why would you save it? And why would you work for it if they can print it? Had faster than you can work for it. Why do you keep saving when they're printing it rich don't work for money. Don't you touch that stuff? It's very subtle. Yeah, they don't say, I'm gonna train you to be a worker the rest of your life. 

But they educate you in a way where that's what you come out, right? What else was he? What was he trying to do those first few months. Were you working for him? What was he trying to get across you? 

 Because he taught you the hard way about money, and she said if you're gonna be a successful in your lives, You've got to find the best teachers and a great teacher is somebody who comes from the inside not the outside. But in school, you don't know if your instructor is for real or not. 

That's where the fake teacher comes from. I Said I want you to teach me about money. So it was so why should I teach you? He said but if I teach you you work for me for free. And I said why for free my dad my poor debt whatnots. 

He says is if I pay you you think like an employee Your brains will your brain will change if you learn never to work for money, you'll be a rich man. And this is powerful, once you give someone a paycheck their brain turns off, right because it had been the promise of a pension. 

Right and job security which is kind of a paycheck in disguise. Correct, after you stopped give the man a fish eats for the day teach him to fish eats for a lifetime and most poor people confuse Assets and the liabilities they think their home is an asset. It's actually a liability not an asset. 

A noun like a house? Cash flow is a verb, so to understand if it's an asset a liability. It takes a noun + verb So if the cash is flying out of your pocket, it's a liability If the cash is flowing into your pocket has it burn? 

 That's it. So I own 7,000 rental properties also assets every month the cash flows in. Whereas many people have the big house of the hill and the cash is flowing out right now. They're going broke, right? It's like a frame of mind. 

The other thing the poor don't understand is the number one expense for most people as taxes and. Yet we don't even see it. Isn't that weird you walk around and you look at the paycheck and say oh that doesn't seem right and you don't realize that the government's got a huge hand in your pocket and you are doing nothing to minimize that again. 

 This is what was very different about the rich and the poor. The rich don't work for money is number one expensive tax. See, there's three kinds of income earned. Portfolio passes. So earned income is, if I get a job that's earned income if I'm a doctor or a programmer. That's burning because I'm working for it. 

If I buy US by pilots an apple for ten dollars I sent over 20, that's Portfolio income capital gains. Yeah But passive income which is cash flow Is never taxed? That's all of these guys are screaming right now in America tax, too Rich as a good luck Because most of the guys complaining they don't know the three kinds of income and the rich don't have jobs. 

Anyway, they have assets. And so the average small out there poor guy, you know sent the kid to school. They don't learn this. You see very few people will buy what I do Make a million dollars and pay zero tax and my rich dad taught me that playing Monopoly that's how it started, you know for green houses, one red hotel. Or the McDonald's for me. I write about it McDonald's Ray Kroc. Yeah McDonald's is in the real estate business. 

 So they sell hamburgers, but they buy real estates. They pay no taxes. You know this guy Bezos, but he's sixteen billion dollars how much tax did append a 16 billion? And that's all legal anyone can do it it everybody could to put everyone most people lack the education. So once you learn how to use debt as money you can never say I can't afford it.

 Because the banks will give you. So the banks after the crash of 2008, The banks gave me 300 million dollars tax-free when they asked the average guys that can you why don't you use a debt? They can't even get a loan because there are scores their FICO scores when only we have them here are so bad. The schoolteachers will never tell you about because they don't know it my poor dad. 

Never knew that. You don't know if something is an asset or liability Until you can see which way the cash flows. So a house is that it hasn't a liability. Well, if it's taking money from your pocket, it's liability. It's putting money in your pocket It's an asset. 

The US government wants me to provide housing Wants me to provide jobs wants me to borrow money because that's how money is created through debt. I get huge tax breaks. Everybody can do the same thing if they had the financial education to do it. 

If people understood the tax code we'd be more prosperous but can poverty be passed through genetic? Yes, because it's some type of way of thinking it's an attitude. It's very simple when I wanted people ask. How do I stop it? I just never say I can't afford it ask yourself How can I the reason I have so much money is because I don't say I can't do it I just got how can I do? 

And I guess one to it. I make a lot of mistakes. But that's how I learned, how can I and poor people like my poured that always that I can't afford it. You think I'm made of money? I'm a school teacher. I can't do that. And I picked that up and my rich dad never said those words. So when I make poor people that use the words I can't a lot. 

So the people that said I can't afford it. I can't do this. I can't get to college the rich. Are you able them? I choose not to participate in that and that's one thing people could change today. Right now is that dialog in their head to stop saying the word can't I can't right. So, how can how can I especially as in I can't afford it. 

How can I afford that because that opens them up to looking at it as an investment to a greater future? Right, you know when I borrowed three hundred million dollars, I couldn't do it when I told I went to ask and I got turned down so many times as a hill and every time I showed the back of my financials they go, Sorry, I said look do me a favor. Why did you turn me down? You tell me, You business out. 

The numbers are out here. So I get these numbers fixed. Can I come see you again? Because sure so it's called rejection same as my wife rejected me for six months. It's just a matter of personal willpower was a spiritual to signal if they can do it. I can do it And how can I? how can I and I think it's you once said words become flesh. Yep. I was a Bible. 

Intelligence increases through your mistakes through the ups and downs of what you've learned. Real Estate's real estate what I learned made me enricher not the money. You don't need money to make money. You know, I think all of us every human being has at low point in their life and if they get the message, a new life begins. If you don't get the message they keep going down. 

The richer I got was because I didn't need any money I could use this to make money, but how did I get there? So I made a lot of mistakes. People are afraid of making mistakes and all those for fear of failing.Nice nice so very nice. So many people are trapped in the same device.

What Causes Eye Dryness?

Do your eyes feel gritty and tired all the time? You may be suffering from dry eye syndrome. This common problem can cause a lot of discomfort, and it is advisable to seek treatment if you are experiencing symptoms. 

Tears are essential for maintaining healthy eyes. They help to clean the surface of the eye and keep it moist. Without adequate tears, the eyes become dry and irritated. 

While tears are necessary for healthy eyes, sometimes you don't produce enough of them. There are various factors that can contribute to dry eye. Some of them are: Age: Bodies produce fewer tears as we age. 

This is why dry eye is more common in older adults. Gender: Women are more likely to suffer from dry eye than men. Medications: Certain medications can decrease the production of tears. These include antihistamines, antidepressants and anti-hypertensives. 

Medical conditions: 

Dry eye can be a symptom of another underlying condition, such as Sjögren's syndrome or rheumatoid arthritis. Environmental factors: Dry, windy, or dusty conditions can contribute to dry eye. 

Wearing contact lenses: 

Contact lenses can irritate the eyes and cause dryness. Lifestyle choices: Smoking and drinking alcohol can also lead to dry eye. Spending time on the computer or reading can also make symptoms worse. Symptoms associated with dry eyes

Dry eyes can cause a lot of discomfort. 

The symptoms may include: A burning or stinging sensation Itchy eyes Red, watery eyes Sensitivity to light Discharge of mucus around the eyes A gritty feeling Blurry vision that may improve with blinking Treatment options for dry eyes include: 

Artificial tears 

Artificial tears are a popular treatment for dry eyes. They are available over the counter and can be used to relieve symptoms. Artificial tears work by lubricating the surface of the eye and providing moisture, which will reduce inflammation and irritation. In addition, artificial tears can also help to flush out any irritants that may be present on the eye surface. 

Artificial tears are safe for most people to use, but reading the label carefully and following the directions is important. Some artificial tears may contain ingredients that could cause an allergic reaction, so it is always best to be advised correctly about the choice.

If you experience any redness, swelling, or other irritation, discontinue use immediately and consult your doctor. 

Prescription eye drops Dry eyes are common and can cause symptoms like itchiness, redness, and excessive tear production. While over-the-counter artificial tears can effectively relieve these symptoms, some people may need prescription medication to help treat their dry eyes. 

One type of prescription medication that is often used to treat dry eyes is called cyclosporine. Cyclosporine is an antibiotic that reduces inflammation in the eye and increases tear production. It is typically taken as a drop or ointment that is applied to the eye several times a day, and should only be prescribed short-term. 

Punctual plugs These small plugs are inserted into the tear ducts to prevent tears from draining too quickly. This can help increase the amount of moisture on the surface of the eye and reduce the symptoms of dry eyes. Surgery

Surgery for dry eyes is an option that an ophthalmologist or eye doctor may recommend if other treatments have not worked. There are different types of surgery that can be performed, and the kind that is right for a person will depend on the severity of their dry eyes. 

Surgery can help improve the quality of tears, increase tear production, or reduce tear drainage. Change in lifestyle Making some simple changes to your lifestyle can also help to reduce the symptoms of dry eyes. 

These changes include: Avoiding smoke and dusty environments Resting your eyes often Using a humidifier in your home Drinking plenty of water Dry eyes may seem like a minor nuisance, but if left untreated, they can lead to a host of long-term problems. 

Without adequate moisture, the eyes become susceptible to inflammation and infection. Untreated dry eyes can also cause corneal ulcers and scarring, which can lead to vision loss. In addition, dry eyes can be extremely painful, making it difficult to perform everyday activities such as reading and working at a computer. 

If you are suffering from dry eyes, it is important to see an eye doctor so that you can get the treatment you need. With proper care, you can avoid the serious complications associated with this condition.

Why You Should Not Deny Your Man Sex as A Form Of Punishment.

 

Denying a man sex is a big issue. I have an ex-wife who did that to me. ''Alikuwa na excuses ''(She was full of excuses)and made it seem like sleeping with me was doing me a favor.

 I have a policy that when we have an issue, we solve it na mwenye amekosea anasema pole(and whoever is wrong appologise) and we move on. But with her, she used to use sex as a weapon. 

When I thought we are done with the issue, I would realize that she is still holding a grudge and any attempt to initiate sex was met with an excuse. I had legally married her and paid dowry so it seriously hurt. 

One day I got tired and swore to never ask for sex from her again. I never cheated but kinda turned off that switch. Nikifika home(once i get home), we had the normal family time and when we go to bed I just slept. After one week without touching her she started asking why I never initiated sex. I told her she could initiate too and because of pride, she didn't. 

We would just have our normal and the family life was okay but i totally avoided the sex topic. She became so suspicious and started accusing me of cheating. She said that because I had not been sleeping with her, I must be getting it elsewhere.

 I rubbished the claim and I remember that night when we got to bed she started to touch me in an attempt to initiate sex. I didn't respond. All my feelings for her had vanished and been replaced by deep hatred. I remember I got so mad. I pushed her hand away forcefully and she looked at me shaking with fear.

 I guess she thought I was gonna hit her. I told her to never touch me again. The next weeks she was so eager to talk so that we solve the problem. I told her point blank that her habit of denying me sex had made me lose interest in her and that I never thought I could love her again. This broke her. She asked both parents to intervene but no matter how hard I tried, I couldn't forgive her and to be honest, no matter how hard I tried, I couldn't make love to her. 

The sexual attraction had gone. I could begin so well then after some minutes, I couldn't go on. She tried so hard to fix the marriage. She cried, apologized a million times and she lost weight due to stress. I was like "haiya, kumbe ulikuwa na haja na ndoa"( ooh, so were interested in the marriage). We separated and later divorced a year later.

 Ladies, you would rather find other conflict resolution skills rather than deny a man sex. That's like the only thing we marry you for. To a man, it hurts and the moment ''mwanaume amekutoa kwa roho'' that's it. Some of you lost your men to other women and you started accusing other women of using witchcraft. To be honest, there is rarely witchcraft involved.

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Chemelil Sugar Company CEO Leaves Office After Court Ruling.

 

Photo: Chemelil Sugar company files

Chemelil Sugar Company's CEO Gabriel Nyangweso has officially handed over office to a newly appointed Acting CEO.

Gabriel Nyangweso was appointed in 2017 as the CEO of the miller by the ministry of agriculture. He joined Chemelil sugar when it was on its knees. Through his hard work and determination, he was able to plough and plant sugarcane on the nuclear estate which had been fallow for many years.

He was loved by farmers because he was able to pay the farmer's dues on time as agreed but was always at loggerheads with the employees because the company could not serve both the salaries and the farmer's proceeds.

Mr Nyangweso’s promotion and that of the Head of Finance, Mr Emmanuel Ngala, were quashed following a petition filed by Caleb Gichana.

Mr Gichanga challenged the legality of their stay in office on the grounds that they had not been recruited under a competitive process.

According to the petitioner, the duo’s stay in office was unlawful, and unconstitutional and was done without proper gazette notices - a violation of Articles 10 and 232 of the Constitution.

“Mr Nyangweso was incompetent and had run down the company through malpractices and irregularities, including nepotism and corruption,” he claimed.

Justice Stephen Radido of the Employment and Labour Relations Court, while delivering the ruling, said the Ministry of Agriculture was guilty of negligence of duty and failing to constitute a board for Chemelil Sugar Company.

Justice Radido, therefore, ordered the ministry to appoint or advertise for the recruitment of the board of directors and ensure the advertisement and recruitment of a competent CEO.

In accordance with the law, the board will then embark on the recruitment of the next CEO of the sugar miller.

The court decision comes a year after the Kenya Union of Sugarcane Plantation and Allied Workers (Kuspaw) accused the two of engaging in financial impropriety and failing to remit statutory deductions, among others.

In addition, sugarcane farmers have raised concerns that the lack of substantive boards has threatened the operations of Sony, Chemelil and Nzoia sugar companies.

Former Agriculture Cabinet Secretary Peter Munya, while dissolving the boards of the three firms on July 16, 2020, said the aim was to give room for the leasing process and handing over of the management to private entities.

The absence of the boards has complicated the operations of the firms as CEOs have no one to account to.

“The move has led to the management of the three sugar factories resorting to making unilateral decisions, which could be detrimental to the companies,” he said.

To protect public assets against misuse and pilferage, the government to conduct an audit of the public mills.

Mr Nyangweso has defended his reign at Chemelil, saying the company has managed to update the remittance of statutory deductions.

“Further, in respect to National Social Security Fund (NSSF) contributions, where there had been arrears of prior years, we have an agreement with them on settlement and we have not defaulted in our obligations,” he said.

He also noted that the management has been honouring an agreement that requires them to pay farmers for cane delivered within 10 days.

The miller’s Quality Assurance Manager, Jacqueline Kotonya, will be in charge for the next one month as the Ministry of Agriculture sources for a substantive office holder.

How Leah Wambui Rose From The Position A Receptionist To Owning Ksh.17M Worth Real Estate Firm.

 

For many people, failure to pursue further education is a matter that has the potential to negatively affect their lives.

However, Leah Wambui seems to have turned the pain of missing out on university education due to financial constraints into establishing herself in the real estate venture.

She is the current CEO of Cheriez Properties Limited located in Kitengela. The firm boasts of 200 houses each valued at ksh17 million.

When she was 16, she lost her mother and this forced her to stay with her aunt. She helped her in managing her shop especially during the holidays.

Wambui owes her business success to sheer hard work, patience and mentorship from her maternal aunt who was successfully operating a business in Mombasa.

“Even when I was a little girl, I always wanted to be like her. I admired that she would travel the world and she looked nice and had nice things,” Wambui told a popular YouTube channel.

At one point, she thought of starting a wines and spirits business and reached out for financial help from her aunt.

“I talked to my auntie, I said I wanted to start something like what she was doing. I wanted to start out in Nairobi but the amount of money that she could get was only enough to start out in Kiambu,” says Wambui.

Her business was successful and she even managed to save part of the profits in table banking groups popularly known as chamas. Her burning ambition to grow forced her to borrow a car in a move to spread the business tentacles to nearby towns and maximize on profits.

In 2009, she bought 8 acres of land in Kitengela after selling their house, shares and topping up the money with savings. Wambui found new ambition  to invest in real estate.

At the start, she sank a borehole and constructed the boundary wall. By the end of 2015, she had set up 10 houses and planned to sell each at 17 million.

However, what was an ambitious project turned to be more stressful as potential buyers would visit the site, ask her countless questions then leave never to return.

“We had our first show house and we invited people to come. I thought that the moment we had the show house we would get clients. I got into a rude shock. People came – and the questions that followed; are you an architect? Are you an interior designer? How many projects have you done?” she recalls.

She resorted to marketing the houses internationally, but she still couldn’t get the first buyer until the end of 2016 when two customers came in. Wambui, a deeply religious woman owes success to her prayerful tendency.

By the end of 2017, she had received enough money to expand her real estate venture and built more houses. Her first project named ‘Royal Finesse Homes’ with 78 houses was fully sold out by 2020.

Wambui successfully rolled out the second housing project, a gated community home with 78 four-bedroomed houses each with a detached SQ, private garden and fully fitted kitchen. Additionally, the gated community has swimming pools, equipped gyms and kids playing area.

She attributes her fruitful venture to prioritising quality and paying attention to the smallest of details and researching more on what the market wants.

“Our products sell for themselves, we go over and beyond and make sure that we have cut out a niche in the way we deliver our products. We try to wear the shoes of the person who is going to buy and live here,” she says.

4 Secret Websites To Promote Your YouTube Channel For Free & Get Views

I know You have been trying so hard to get views for your yutube channels and almost losing hope cause its not bearing any fruits. 

So today i want to show you four secret websites that you can use to promote your youtube channel for free and get a lot of views. Now honestly i personally prefer to grow my youtube channels organically through the youtube algorithm to optimize my videos properly so that the youtube algorithm actually promotes those videos to more people and that's how we grow them and that's how we get the most of the views. 

But sometimes in the beginning it's hard to get those initial views, so i'm gonna show you how you can promote your youtube channel for free to start getting views to start growing your channel so that you can create a snowball effect and then just get the algorithm to promote more of your videos inside of youtube so that you don't have to constantly promote your videos across different platforms which i'm going to share with you in this article. 

 Now before we begin i do want to let you know that if you want to get your youtube channel monetized so that you can make money from ad revenue and now i offer a full done for you service where my team and I will actually promote the channel for you and get the channel to meet the monetization requirements in less than seven days and get approved for monetization so that you can start making money from ads showing up on your videos. 

The link to this service will be in the description box down below for a very limited time. Anyway, the very first platform that you can use to promote your youtube channel for free is going to be a platform that is being visited by almost 8 million people every single month and this is actually the smallest secret website that we will be using to drive traffic so stick with me to see even bigger platforms where you can get even more views. 

So according to similarweb.com they're getting almost 80 million views per month and the platform in question is going to be me`We`. 

So this is me`We`.com and this is another social media platform just like facebook so as you can see, this is a social network built on trust control and love so you can create an account by entering your first name your last name, your email address, create a password you will have to be at least 16 years old to use it. Just create your account and get started. It's absolutely free forever and then you can simply log into your account and once you login. 

It basically looks just like facebook feed so when logged in you can see other people sharing different posts and maybe dot com and what you can do isto think of a niche of your channel. let's say for example the niche of your channel is make money online. You're making ‘’make money online videos ‘’ you can go to the search bar and you type in ‘’make money online’’. 

If your video is about weight loss and fitness you just go search for weight loss and fitness and you will find groups with hundreds of thousands of members so as you can see for example if a search for make money online. 

The group has 4.9 000 members, 1000 members 400 members or 200 members so you can start promoting your videos in those specific groups. Find people who are actually interested in that specific topic and get hundreds if not thousands of clicks on your videos if you do it correctly. 

 The next website that no one is talking about but you can use it to promote your channel grow and get views it's gonna be answers.com which is being visited by only 6.2 million people every single month and it is a platform where people come to ask and answer specific questions. 

So if your channel is talking and teaching people how they can get six-pack abs or lose weight or it's it's talking about how to prepare food, you can just go and search for questions like, hey how do i prepare or how do i make a cake? Or if your channel is about how to lose weight, You can type in how do i lose weight ? 

And you can find people who have asked those questions like how to lose weight you can find people who are asking those questions and then you can reply to them and you can give them a link to one of your videos and that way you can promote those videos organically to people who are actually interested in that topic. 

By doing so you can get real viewers on your videos that might potentially subscribe and watch your future videos as well and also when you attract targeted people to your channel they will give a signal to your youtube algorithm that they should promote your videos to that type of audience that is interested in those types of videos which will ultimately help you promote their channel even more and the reason promoting your youtube channel on external platforms like these in the beginning is extremely important is because youtube is a social media platform and as every other business they're trying to grow as much as possible. 

 So if you can give signals to youtube that you're bringing people from other platforms to their platform, that will be a huge bonus because obviously they are competing with all of these social media networks so if they see you driving traffic from let's say me’We’.com, they will be like all right he's bringing people from that social media platform to our social media platform let's reward these videos and let's reward the channel so you are basically being really really good in youtube's eyes by promoting your channel on external platforms like these. 

 Anyway, let's go to the third website. The next website that you can use it has a lot more views. 

This one is getting 61 million views every single month and the platforming question is going to be slideshare.net. Slideshare.net is a platform where people are sharing different pdf documents. For example there is a document which was shared one year ago and it already got 12 million views. this what you can simply do is you can sign up to slideshare.net for free. Log into your account and then once you log into your account and you will be able to upload documents right over there and those pdf documents can be about the videos that you are making. I have been using slideshare.net to also promote different affiliate links. 

 The next platform that is actually very similar to YouTube itself is going to be beat shoot and beat shoot is being visited by 32 million people every single month. 

Basically beach shoot is as i said very similar to YouTube where you can share different videos. You can register an account and start sharing short clips short or inserts from your videos. If you learned something new in this article, make sure to drop a like below and share.