MP JAMES

Positivity and everything human, Kenyan and child of God

Caveat: RT does not equal endorsements

[𝘿𝙀𝙉𝘿𝙊 @ni_dendo]

I wasn’t expecting to cry over a mole today, but here we are. 😭 Watch how this little guy protects the chick from a snake and then leads his whole family to safety. Nature is truly incredible! 🦉🐍

[Papi Tito @tito_tttttttttt]

I have ONE humble request, Please monitor your financial life very strictly. Brother, It's hard to find help when you're broke. VERY hard.

[A Kareem Maina @AtradesGold]

KRA comes audits you then finds a discrepancy and you get fined if no proof provided.

Tax payer has no choice and pays

The AUDITOR GENERAL does an audit for your TAXES, Finds discrepancies (STOLEN) raises the flag .

Tax payer is shocked but continues to pay taxes.

[Alfred Mathu @MathuAlfred]

This is the story of how I cleared a 10-year mortgage in 2 years

In the year 2000, I signed for my first mortgage KSh 2.7 million, repayable over ten years, with a monthly installment of about KSh 37,000. At the time, it felt significant but manageable. Like many young professionals, I believed the difficult part was getting approved. Once the bank said yes, I was ready to sit back and relax knowing that in 10 years i will be a home owner.

That is what traps most people.

When many people secure a mortgage, they celebrate the approval rather than confront the obligation. They upgrade furniture, expand their lifestyle, and slowly adjust their expenses until the monthly payment blends into routine existence. Ten years quietly becomes normal. The loan stops feeling temporary and starts feeling permanent.

I had a mentor who refused to let that happen. Stewart Henderson, who was serving as CEO of Old Mutual at the time told me something that permanently changed my understanding of debt: a mortgage is not a commitment it is an emergency.

Then he introduced a rule that, at the time, felt extreme. Every month I earned commissions, I had to bring my statement to him before spending any money. We would sit down together and allocate it.

The bank required KSh 37,000.
Stewart ignored that number.

Instead, he focused on capacity. Whenever income rose, payments rose. Whenever earnings improved, we attacked the loan. He called it 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐠𝐠𝐫𝐞𝐬𝐬𝐢𝐨𝐧, treating debt as something to eliminate quickly rather than manage comfortably.

The first few months were uncomfortable. The natural instinct after earning more money is to reward yourself. Income creates a feeling of entitlement to enjoy what you worked hard for. But discipline does not negotiate with feelings. Every additional shilling was assigned before it reached my pocket.

Something surprising happened. As my income grew, but my lifestyle did not.

Because expenses stayed controlled, every increase in earnings accelerated repayment. The balance started shrinking visibly not yearly, but monthly. What had been structured as a ten-year obligation began to feel temporary.

Two years later, I made the final payment.

Now here’s the surprise, after I serviced the mortgage to completion, my mentor did not congratulate late me. He simply told me to start looking for the next property.

Most people follow a familiar sequence: earn, spend, then save what remains. I learned to earn, allocate, then live on the balance. The house was not paid off by income alone; it was paid off by priority.

Over the years, advising many individuals, I have noticed a consistent pattern. Nearly everyone wants financial freedom eventually, but very few accept financial discipline immediately. The distance between the two is not measured in years it is measured in habits.

Your path does not have to begin with a mortgage. In fact, for many people the smarter starting point is elsewhere, structured savings & investments, or disciplined accumulation strategies that eventually position you for homeownership without pressure.

[MP JAMES @Jamring95_]

@ItsblessingM 😂😂😂

[ALASIRI MOTORS @alasirimotors]

Do not drive from the showroom without the following documents

1) customs Single administrative document capturing duty paid to KRA

2) KRA import declaration form

3) KEBS certificate of road worthiness inspection

4) Bill of lading

5) Export Certificate from Japan

6) Logbook

[MP JAMES @Jamring95_]

@FGaitho237 😄😄

[VELWIN COLLEGE @Velwintraining]

https://t.co/mufKtQ1UVR

[VELWIN COLLEGE @Velwintraining]

Learn Computer Oackages Today

#computers
#DigitalTransformation

[VELWIN COLLEGE @Velwintraining]

If you wanna be a master in programming then the first key is to get started at Velwin Training College

#Programming
#learning #Students #DigitalSkills

[Oyaro Factfiles @ItsOyaro]

Senator Crystal Asige: "If what you see is all you see, then you don't see what has to be seen"

Very brilliant 👏

Let's show her love by Retweeting.
Sifuna
Deputy President

[MP JAMES @Jamring95_]

INFORMATION OVERLOAD means if the volume of available information increases, individuals and organisations become overwhelmed by the plethora of information. This can reduce productivity and performance, hinder learning and innovation, affect decision making.

[MP JAMES @Jamring95_]

@osoroKE The fruits choices If blend well it can make a tasty cocktail 🍹

[MP JAMES @Jamring95_]

Accountability is a major source of disagreements. It has never been anything beyond there

[MP JAMES @Jamring95_]

@KenyaPower_Care @Mugambi24 I have a quote of 1.4M. I was told to buy new transformer 😁

[Harry Petsanis @harrypetsanis]

"It’s irrelevant if it’s a New Year if you continue to be the OLD YOU."
—Ep. 280 by Harry Petsanis

[Debby🇰🇪 @sangdebby]

NEXT -OF- KIN in banking sector.

When death occurs, the NEXT- OF - KIN WILL NOT HAVE ANY ACCESS TO THE MONEY IN DECEASED ACCOUNT So many people think that their next of kin is the automatic heir to their account. But the truth is that if your next of kin is not a signatory to your account, and you don’t have a written will to determine that person’s legitimacy, the person will not have access to that money at all.

Your bank will have to go through a process called a LEGAL PROBATE. This probate period helps them determine who gets the money in your account.

This is a very lengthy and expensive process. Even after the whole process is done, your family will have to forfeit some reasonable amount of the money for legal fees. But if you want to avoid this , simply request for your bank to give you something called a POD form. POD stands for PAYABLE ON DEATH. The name of the person you fill in that POD form will determine who will get your money. All the person needs to bring is a death certificate to get that money out.

With a POD form, you will save your family the stress of going through all that lengthy legal process and even loosing some money to the law.

Repost to create awareness ✌️🙏
#copied

[Abuga Makori EGH, MBE @abuga_makori]

Not even CS Matiang'i could achieve this! Chasing Nyayo House cartels, extending the crackdown to regional offices, reducing passport backlog from 100,000 to 44,000. To clear the remaining within 14 days. CS Kithure Kindiki is a man on the mission. A new printing machine coming, a new passport to be processed within 72Hrs! @KindikiKithure