Why Kenyan Men Fear Marrying Kikuyu Women

Kenyan men fear marrying Kikuyu women – better known as the iron ladies –  according to an article in the Crazy Monday pullout.

We posed this topic to our listeners on Maina and King’ang’i in the morning and the response was overwhelming. Kenyan men are giving reasons why they would date  a Kikuyu woman but NEVER settle down with her.

According to the article, statistics show that most of the single mothers in Kenya are Kikuyu. Isn’t this just an assumption and a stereotype? If every man in Kenya has dated a Kikuyu woman before, why can’t the women find husbands?

Check out the responses on twitter

“@njuguna254 Kikuyu women are self-reliant and choose to be single when their spouse r irresponsible and don’t provide”

“@ZANBONNIEY its a notion with the men that Kikuyu women all they care about is money & what you have, they get it ‘n go”

“@Maleckmayende2 They are too expensive, and So demanding. MONEY being there first priority. LOVE follows.”

“@Anthonykamitu they demand equality not knowing that the man whom married her is the head of the family.”

“@LuccieKay Being married to a Kikuyu woman, means that there are 95% chances that the richer u get the closer u get 2 ur death”

“@ItsMainaKageni Statistics show that most single mums in Kenya are …yup, you guessed it …Kikuyu”

One of our callers says that Kenyan men hate marrying Kikuyu women because the women are too goal oriented and cannot stand lazy men. According to her a Kikuyu woman needs a hard working man who will take care of the family and if he is not upto the task, they leave.

Men, would you date a Kikuyu woman? Kikuyu women, is it true that potential husbands are scarce for you? The stereotypes are crazy, listen to this hilarious confession.

Reasons why women should have a financial plan

As a woman the best thing you can ever do for yourself is have your own money no matter how small it is.

It will not only act as security but will also go a long way in making life much easier for you to deal with.

As a woman there are five major reasons why you should be save.

Retirement – On average, women make less money than men, are more likely to leave the workplace to raise children, and often save or invest less aggressively than men.

For these reasons it’s wise to start early. If you have the means have a financial advisor assist you in planning your finances. If you plan on leaving the workforce to raise children, it’s important to save as much as possible while you’re working. Financial experts advise women to work as long as possible, at the highest salary possible, to ensure they save enough for retirement.

Emergency fund – If you don’t have an emergency savings account, it’s time to open one ASAP. Financial experts recommend saving three to six months of expenses in the event that you suddenly lose your job or have an unforeseen medical emergency.

The key is to start off small. A few thousands a month can add up to a nice safety net a few years down the road. Consider savings options outside of your bank. Money market accounts and CDs offer higher interest rates and take several days to access, which will keep you from using the funds for impulsive purchases.

Marriage – In 2013, the average couple spent 1 Million on their wedding. These extravagant behaviors have caused many couples to enter marriage with debts.

To avoid this, it’s best to create a budget with your partner, stick with it, and start saving immediately. Avoid maxing out taking out loans. If you fall short of your budget, ask family members or even ask your guests to contribute some money. DO NOT set amounts for them to give. But it is always best to work with what you have.

Maternity leave – It’s not uncommon for first-time parents to take extra time off from work. Before that happens, it’s important to plan with your partner how you’ll support your family while on leave.

Employers are required by law to offer parents at least 12 weeks of paid, job-protected maternity and paternity leave, statistically, mothers spend more time away from the workforce after the birth of a child than fathers do. But this is not enough to cater for your needs, so it’s always advisable to plan ahead.

Taking care of ageing parents – Studies have found that daughters take care of aging parents twice as much as sons do. Even if your parents have their retirement savings in place, it’s important to plan on how you’ll assist them when they get older – whether through financial support or at-home care. It may also be wise to consider getting long-term-care insurance to prevent future health costs from becoming a burden down the road.

Is wealth and power synonymous to infidelity?

Behind most powerful men, there is a woman being cheated on, how true is this statement? A man will work hard and even get a wife in the process before making it to the top. The woman will also be toiling with him to ensure his success, but once he has achieved something according to societal standards he starts disregarding his wife. Men and women regardless of age or gender will cheat but why do powerful men with so much to lose, good families, reputation, risk it all for a fling? Here are a few reasons why that man may be philandering.

1. There are ample opportunities
Some ladies are very materialistic, they get wet in their pants by just the sight of wealth or a man with power. They will go to any lengths to try and lure this man. This man will mostly be away from home on business meetings and work related treat he will tend to be bait for this ladies. Loneliness will drive him up the wall.

2. Powerful men feel that rules don’t define them
Men of authority will always feel that the norm doesn’t define them. They will cheat with the notion that they won’t get caught and if they do get caught money will cover up for their infidelity. They have a sense of entitlement and expect that their wives should bend over to accommodate their behaviours. It is very easy to list influential men with money with well-known mistresses even to their wives.

3. Women enable powerful men
A woman will stay with a man despite the fact that he is unfaithful just because he has money. She will turn a blind eye on his behaviour and pretend that the affairs don’t happen right under her nose. Most often than not she lives in fear that if she challenges the man to drop his mistress he may decide to leave her thus losing his wealth. Because his wife is a yes woman, he will have no limits.

These reasons however, are not excuses that men with wealth should be adulterous because he can always practice restraint. They just focus on challenges faced by powerful men in regard to women.

Facebook messenger set to include cash transfer service

Facebook Messenger will soon be able to send and receive money between friends.

The new feature will begin to be rolled out in the US over in the coming months and will be free to use.

A dollar sign icon will be added below the text entry box, next to where users tap to add audio notes, images or emojis.

Once the icon has been tapped, users will be able to enter the amount they wish to send and transfer it via their debit card.

It is unknown if the feature will be extended outside the US.

Facebook reassures users that the system will be secure, siting that some financial transactions have been taking place on the site for years.

Facebook processes more than one million transactions daily on the site and also handles all the payments processed on Messenger, that’s according to their spokesman.

Facebook uses secure systems that encrypt the connection between you and Facebook as well as your card information when you ask us to store it for you.

The payment systems are kept in a secured environment that is separate from other parts of the Facebook network and that receive additional monitoring and control.

There is also a team of anti-fraud specialists monitor for suspicious purchase activity to help keep accounts safe.

The first time users access the service they will have to add a debit or credit card to their Facebook account.

Users will then be able to create and use a pin code to complete transfers.

Facebook confirmed that iPhone users will be able to use the Touch ID fingerprint scanner to send money.

The feature will also be accessible on desktop computers.

Money holds relationships together; Love is for the birds

One of the women callers on Maina and King’ang’I In The Morning insists that although you may be with someone for love, once that feeling fades only the money can hold the relationship together.

According to this woman, love is a short lived emotion.

Others even claim that love doesn’t exist. “The idea of love belongs to the birds”, they say.

However there are those who still believe in love. Their argument is that even in cases where gold diggers are involved they are usually looking for money to sustain the people they deeply and truly love since they aren’t financially stable.

What is love? The answers to this question vary based on people’s experiences.

Listen to the various opinions below.

Do not be fooled; all women are about money

According to an article by blogger Njoki Chege, all women love money, and no man should be made to believe otherwise.

In the article, Njoki goes on to say that women love, adore and are turned on by money, loads of it. “Your woman’s presence is dictated by your money. It’s your money that’s working for you” she writes.

Many women argue that at the end of the day “love” will not pay your bills.

Others however feel that a man with potential is better as he can grow financially. Which simply means that money is still important to them, only that it doesn’t have to be instant.

Listen to this conversation as it happened on Maina & King’ang’i in the morning.

Pimping your spouse

A man called in on our morning discussion with Maina and King’ang’i from Mtwapa saying that he pimps out his wife to ‘mzungus’ for  money. He says that in Mombasa pimping is a common occurrence all you need is to make an arrangement with your wife pretending to be her brother and you are good to go.

Our callers confessed that they would actually hire their wives if given some money. Would you consent to your wife sleeping with a stranger for cash and especially doing it in your presence no matter how much you are offered? Listen to the crazy callers refuting that this is prostitution and instead ‘hustling hard’.

Money Matters Most to People in This Age Group

Can money buy you happiness? It might depend on your stage of life, finds a new study in the journal Psychology and Aging. The link between life satisfaction and income is strongest in 30-50 year-olds, while it’s only weakly correlated in older people and young adults, the study shows.

Researchers looked at life satisfaction survey data from more than 40,000 people in Germany, the United Kingdom and Switzerland, taken over the course of many years. The results were consistent in all three regions.

People in the middle of their lives likely value income because of increased financial responsibilities, including the need to support a family, the study authors say. Young adults may place less value on income because of support from their parents, and older people are more likely to have resources outside of income like retirement savings, they explain.

Other research has suggested that money doesn’t do anything to make people happy, and, if it does, its influence is fairly subtle. But this study suggests that looking at the aggregate data without teasing out different age groups won’t necessarily provide the most relevant view.

“Our findings suggest that if money does buy happiness, it does so to different degrees for different people,” the study says.

– This article written  by Justin Worland was published on Time Magazine.

Does money make you happy?

A research group, led by psychologist Kostadin Kushlev, looked into whether there is a relationship between money and  happiness.  They looked at  data for 12,291 people, paying attention to income and reported levels of happiness in the article ‘Higher Income Is Associated With Less Daily Sadness but not More Daily Happiness’.

They found that a higher income doesn’t affect how happy you are day to day. But wealthier people reported feeling sad less often. The group concluded that happiness and sadness are two separate states and money can help you manage unhappiness.

Money’s great for handling bad situations as they happen. Your car breaks down? You lose your job? Money means you can get by.

More than that though – if you have money you know that you don’t have to worry so much about bad things happening in the future. You have a safety net.

So surrounding yourself with bling and the trappings of wealth doesn’t make you happy – but having a cash safety net means you’re less stressed out about what might happen.

Ways to avoid letting money affect your relationships

One of the challenges that is experienced in a relationships is usually money, not necessarily the lack of but also the pursue and use of money may also create an issue.

Relationships will always have challenges and victory can be achieved only if matters are solved amicably, this includes financial challenges.

There are some golden rules that one should follow in order to maintain a cordial relationship not only with your partner, but also in business.

1. Avoid debt –  If you can avoid borrowing money by all means do so, this will not only help you avoid issues but will keep your relationships drama free. Use whatever you have unless and unless its really necessary, don’t borrow money.

2.Pay your debts – Simple rule but hard to follow for most people, once you borrow cash from someone ensure that you return on the agreed date. If you are unable to do so on time, communicate in advance and give an alternative date or mode of payment eg. instalment if you are unable to clear.

3. Humility – You may have a ego that you think will protect you, but it actually works in the opposite way. Learn to accept people without judgement, no one is beneath you in as much as you may have a better house ,education etc. Look at people the way you would want them to look and see you.

4. Be present – Giving your time and attention to people goes a long way in building relations. Even If you give expensive gifts, without a personal connection it feels empty. Time, attention, thoughtfulness, and interest in someone make  much more impact.

5. Spiritual self righteousness –  This habit  fools you into thinking you are better than others. Spiritual ego is what causes wars, holocausts, and prejudice and destroys relationships. It helps to remember that Spirit can hide in unique and clever costumes. Those you judge may well have the most to teach you. When someone talks about the virtues of Jesus or Buddha, they push others away.

When they behave with the virtues of Jesus or Buddha they draw people in. Similarly, when someone talks about the importance of making money, being in integrity and having clear communication they may intrigue others with these principles. But when someone demonstrate the value of an agreement, the ability to handle money responsibly and respectfully, and shows respect in their communication, they do far more to spread the message than talk ever will. Talking without the walking only creates distrust and disbelief.

 

 

 

Mother douses 12-year-old girl in paraffin, sets her on fire over Sh20

A 12 – year- old girl is recuperating at the Mtito Andei sub – district hospital after she was burned by her mother for allegedly stealing Sh 20.

According to the hospital’s Medical Superintendent Dr.Kevin Maweu the girl was admitted on Saturday after suffering 15 percent of second degree burns on her chest, abdomen and thighs.

Maweu said the girl was in stable condition but revealed that plans were under way to transfer her to Makindu Level Four Hospital for specialized treatment.

“Since admission the girl has greatly improved but the burns require grafting and that is why taking her to Makindu hospital was necessary,” said Dr.Maweu.

Speaking from her hospital bed, the girl said her mother, Stella Mwikali tied her hands with a rope, doused her in paraffin and set her on fire for allegedly stealing Sh 20 from her purse at their home in Misuuni Village Makueni county.

Somalia gets its first ever ATM

Somalia’s first-ever cash withdrawal machine has been installed in the capital, Mogadishu.

The Mogadishu-based Salaam Somali Bank installed the machine in a hotel used by diaspora, foreigners and government officials.

Bank official Moalim Abukar told VOA Somali Service the machine will allow customers to withdraw money from their foreign accounts.

Abukar said that the installation of the ATM was “a big step forward” and it represents the growth and strength of Mogadishu’s business community.

Somalia has a rudimentary banking sector, with many people relying on remittances from abroad.

The national currency, the shilling, is almost worthless and many businessmen and foreigners deal in U.S. dollars.

 

Man charged with violent robbery

A 19 year old man was yesterday arraigned before a Thika Court where he denied 3 counts of robbery with violence. Morris Omondi Oganda appeared before Chief Magistrate Stephen Mbugi.

The accused was charged that on September 10 within Juja, jointly with others not before the court and while armed with a pistol, he violently robbed Agnes Njeri Waceke of property valued at Sh134,000.

The second count stated that on the same date and place, jointly with others not before the court, while armed with a revolver firearm, he robbed Daniel Wamakia Ndung’u of 2 laptops, 2 mobile phones and a TV set all valued at Sh125,000 and threatened to shoot him.

The case will now be heard on November 11.

Before you divorce…think about these

Marriages have challenges and sometimes it gets to a point that a couple decides to end things.

When it gets to the point that a couple opts for a divorce, there are certain things that one needs to put into consideration before signing the papers.

In the event that there are children involved decisions will have to be made in regards to who they will live with, how their expenses will be catered for etc.

In the event that a couple have no children and also depending on the laws under which they were married, certain rules have to be followed.

Most  times divorces end up leaving people bitter. As said earlier if you may have joint businesses or investments there are things you need to factor in.

Read more on: http://divorcesupport.about.com/od/maritalproblems/tp/What-To-Do-Before-You-File-For-A-Divorce.htm

Relationship and money

When in a serious relationship finances play a major part in how you relate to each other. It can either make your relationship better or make it worse.

How we use and plan for them as individuals will eventually affect our spending habits as a a couple. We may all have different ways of spending and saving as individuals but once in relationships we have to learn how to share. Sometimes its not as rosy as most would expect because some partners are financially controlling.

This is normally common with partners who share bank accounts.

You may find that one of the partners will be the one calling the shots on how the money is spent and everything has to go through them for approval.  There are signs that your partner is financially controlling .

Read more on: http://www.sheknows.com/living/articles/1051705/financial-control-behaviors-that-are-red-flags-for-relationship-abuse

Finance CS Rotich says uptake of Uwezo Fund still low

Finance Cabinet Secretary  Henry Rotich says uptake of the Uwezo Fund remains  low

Rotich says the government will speed up disbursement of the Fund to more qualified groups countrywide.

He further admitted that there has been a prolonged delay in the disbursement of the funds because of logistical, training and capacity of building programmes going on at the county level.

The CS said the government had eased most of the requirements which hindered youth groups from applying for the funds.

4 Costly Debt Mistakes You May Be Making Right Now And How To Avoid Them

Its the beginning of a new month, and money is in the bank and your feeling flush with cash but before you take that loan,secure that mortgage , make that purchase… read about these common debt traps and how to avoid them below:

BUYING A HOME YOU CANNOT (COMFORTABLY) AFFORD

In general, you should not spend more than 28% of your gross income on housing expenses, and your total debt-to-income ratio (including car payments, credit card bills, student loans, etc.) should not exceed 36% of your gross income. 

Next, figure out the maximum down payment you can make. Try to put 20% toward your new home to avoid paying private mortgage insurance. You also need to factor in closing costs, which typically range between 3% and 5% of the home price. Case in point:

You want a home that costs Kshs 5 million;  Then you would need to budget at least Kshs 1,000,000(20% deposit) plus Kshs 250,000 (5% closing cost) which would mean to comfortably afford to pay the mortgage for a Kshs 5 million home, you would need to have savings of Kshs 1,250,000 at the very least.

It is also important to account for home-owners insurance and real estate taxes, both of which can alter your debt-to-income ratio dramatically add in money for decorating and any unforeseen emergencies.

 

Bottom line: If you’re not yet there financially, KEEP SAVING. It’s best to buy a home only when you can truly afford it. 

CO-SIGNING A LOAN

Attaching your name to someone else’s debt is tantamount to taking on the debt yourself. If the borrower doesn’t follow through on payments, it is left up to you to foot the bill. And if late fees pile up or there is a default on the loan, your credit rating could be damaged and you might even wind up in court. Worse, if you suddenly find yourself in need of extra money, you could be denied a loan simply because lenders deem that you already have too much debt due to the co-signed loan. 

The only sure way to dodge this debt trap is to just say no when asked to co-sign a loan. 

 

MISMANAGING CREDIT CARDS

One wrong turn down the credit path can haunt you for a long time. Start with a late payment, which can result in a higher annual percentage rate. If the payment is more than 30 days late, it will likely damage your credit score, too. Once your score takes a hit, so does your future borrowing potential. Now, as your balance swells each month, it becomes harder for you to pay your bills, which dramatically increases the amount of time it takes you to retire the debt. Further, a damaged credit score makes it difficult to secure new lines of credit, which could force you to charge more on your current card or take out a cash advance.  By using up more of your available credit, you could further damage your credit score. That cash advance also comes with a high price: Interest starts accruing from the day you withdraw the money. Now you have dug yourself deeper into debt, trashed your credit score and are left with fewer borrowing options.

Pay in Cash where you can, or Save . If you must use a credit card, MAKE SURE ALL YOUR REPAYMENTS ARE ON TIME

 

STARTING A MARRIAGE IN DEBT

Money squabbles are a leading cause of divorce, so it makes sense that newly-weds should limit the number of financial obstacles that arise in the early years. It might be hard to think of the big financial picture when you’re first starting out, but a wedding is just the beginning. Many couples will quickly yearn for a house and kids, but if you’re too busy paying off the wedding bills, it will be difficult to set aside money for a mortgage and a college-savings plan, too. So when deciding what kind of wedding to have, first make a list of other major expenses the two of you will be facing in the next year, five years and even ten years.

Overspending on a wedding is a choice — and a poor one at that. 

 

 

 

 

4 Of The Most Outrageously Expensive Dishes From Around The World

Most people don’t mind paying a little extra for a really good steak, especially if it’s made from delicious Kobe beef. Sometimes you may even be willing to fork out a little extra cash for a gourmet lobster dinner… but would you still do it if that lobster came with flakes of edible gold leaf and set you back more than a thousand dollars? Read on to learn more about some of the world’s most outrageously expensive dishes.

1. Chocolate Pudding — Lindeth Howe Country House Hotel, England

ex1

This one is made with the best quality chocolate on the planet which is moulded into the shape of Fabergé egg and served with layer upon layer of champagne jelly. It’s then topped with edible gold leaf and served with champagne and caviar. The whole thing is then topped off with a diamond. Don’t think you can order this à la carte though… you’ll need to pre-order this dessert at least two weeks in advance.

PRICE: $ 35,000

2. Golden Opulence Sundae — Serendipity 3, New York City

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his creation from Serendipity 3 on New York City’s Upper East Side is definitely not for children: this opulent dessert is decadent Tahitian vanilla ice cream infused with Madagascan vanilla beans and chunks of rare Chuao chocolate from Venezuela. It’s then drizzled with one of the world’s most expensive chocolates from Amedei Porcelana, and decorated with gold-covered almonds, chocolate truffles, marzipan cherries, and covered with 23-carat edible gold leaf. Then, let’s not forget the mother of pearl spoonful of Grande Passion caviar and gilded sugar flower. Think all this is served in a regular sundae glass? Think again… it comes in a Baccarat crystal goblet with an 18-carat gold spoon.

PRICE: $ 1000

3. White truffle and Gold Pizza — Margo’s, Malta

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A few years ago, Margo’s Pizzeria in Valetta, Malta, set the world record for the most expensive pizza on the planet. The gourmet pizzeria’s concoction consisted of a thin-crust base with buffalo mozzarella, white truffles, and sprinkled with 24-carat edible gold leaf.  No tomatoes allowed — it apparently clashes with the taste of the truffles, of course.

Price: $2,420

and Finally

4. Strawberries Arnaud – Arnaud’s New Orleans

arnauds strawberry

If you were planning on popping the question, this is a great dessert to do it with… if you can afford it! These plump Louisiana Strawberries are stewed in ruby Port, Burgundy-style wine, cloves, cinnamon, and sugar. They’re then topped-off of with scoops of vanilla ice cream and a dollop of lightly whipped cream. And the proverbial cherry on top? Well, that’s a 7 carat pink diamond ring. The acceptance of your marriage proposal is, unfortunately, not included in the price.

Price: $3.95 million