VETEH

Anime👹

Data analyst

[VETEH @Waruingih]

It's nice to be important BUT it's more important to be nice

[Mwaks @Realmwaks]

Payday without a girlfriend.

[VETEH @Waruingih]

@absjskels Kwani zinafaa zitupwe wapi

[Gichuki Kahome @kahome_steve]

The scramble for Kenya's banking sector intensifies with fresh M&A.

Absa Group has launched a tender offer to lift its stake in Absa Bank Kenya from 68.5% to up to 85%, at KES 34.50 per share

This comes while the Nedbank–NCBA deal is still open.

Moreover, Standard Bank currently Kenya's #6 lender via Stanbic has recently said it wants the #1 spot by 2030, with acquisitions "on the table."

No target named yet. So the question stands: which bank do they buy?

We expect more M&A activity in the banking sector as Kenya's core-capital requirement has risen tenfold to KSh 10bn by 2029.

That's forcing consolidation, and the region's giants are circling.

[CRIX @OnyChr2020]

Me switching my nationality from Mexican to Brazilian..

[6.3 V8 ( 25/26🏆) @chanandler_k]

Kenya has never received 2 red cards in a single match at the WC

[سهم @1SMi_]

المقطع الاكثر انتشارًا!!!!!!!!!!!

استوديو قناة في جنوب إفريقيا بعد خسارة منتخبهم في افتتاح كاس العالم أمام المكسيك 🇿🇦💀💀💀💀

[VETEH @Waruingih]

@maria_tausi Thats sad but wewe ni tausi ngl

[Talikithegreat🇺🇬🇬🇧 @Talikithegreat7]

@javisstunner

[Gabbar @Gabbar0099]

Just found out that in 2021, the UN tried to declare food a human right, two countries voted against it.

The United States and Israel.

[TashKen @Peacementation]

@AmbokoJH He just said, corrupt individuals stole billions and they assumed the billions were circulating in the country and to mop it up, hardworking citizens had to suffer high taxes and interest rates, that money might have been in offshore accounts. Mopping it up means robbing Kenyans

[Julians Amboko @AmbokoJH]

Former Governor of the Central Bank of Kenya, Micah Cheserem, reflects on the hyperinflation & FX crisis of 1992/93.

He speaks about the bungled export compensation scheme & the Goldenberg scandal, the liquidity mop up that was put in place to rein in inflationary pressures & the liberalisation of the FX regime.

Full recording - https://t.co/zgWgcFdUc1

Credit: Central Bank of Kenya (@CBKKenya)

[ms.hndrxx 🤷🏾‍♀️ @shugafreebiscu1]

I wanna learn how to do crypto or whatever but the problem is I’m also really gullible😭😭😭😭😭

[ms.hndrxx 🤷🏾‍♀️ @shugafreebiscu1]

Amazing things happening in Kakamega😭😭😭

[ms.hndrxx 🤷🏾‍♀️ @shugafreebiscu1]

Ok, I don’t wanna hear anything about Monaco for the next 50 years

[VETEH @Waruingih]

@jitagwoshiku Howww

[VETEH @Waruingih]

@jitagwoshiku Hii ni maajabu

[ıɹn⊥ @OnlyOneTuri]

@Lervina_9 She’s a runner, she’s a track star

[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.

[VETEH @Waruingih]

@justChinks @screenshot979 screenshot this tweet

[Chinx @justChinks]

I need World War 3 to happen immediately
Blow us all into dust or back to 1523. No flushing toilets, no AI, no BMWs. Just misogyny and disease. Peace again.