charles ngamau

CEO @safesure insurance agency
Founder Bestorie Ltd company
Member of Institute of Directors
i just love football ,its my life #teamfollowback, 😉

[charles ngamau @figomastic]

Wantam

[The Kenyan Vigilante @KenyanSays]

"Ruto's regime is coming for the money you've saved in SACCOs over the years. This is a state-sanctioned raid on your private funds," journalist Tony wa Karomo claims, reacting to the Kenyan government's proposed move, which he says would allow it to access citizens' savings by force.

[The Kenyan Vigilante @KenyanSays]

"Ruto's regime is coming for the money you've saved in SACCOs over the years. This is a state-sanctioned raid on your private funds," journalist Tony wa Karomo claims, reacting to the Kenyan government's proposed move, which he says would allow it to access citizens' savings by force.

[Mzalendo Mūtemi wa Kīama @MutemiWaKiama]

By David Ndiritu Mwangi:

If your business uses Google Workspace, Microsoft 365, Zoom, Salesforce, or ANY cloud software from abroad, you NEED to read this.

The Finance Act, 2026 has quietly dropped a tax bomb that will hit your bottom line. The government has officially expanded the definition of "Royalty" under the Income Tax Act, and it now catches a broad range of software related payments.

What does this mean for you?
Previously, there was a grey area around whether software licenses, maintenance fees, and SaaS subscriptions were subject to withholding tax. That grey area is GONE.

The new law now explicitly classifies the following as Royalties:
- Payments for ANY software (whether custom-built or off-the-shelf)
-License fees, development fees, training fees, AND support/maintenance fees
- Payments related to digital payment networks (Visa, Mastercard, etc.)—even if called "service fees" or "processing fees"

The Cost Impact

Because these are now royalties, you are required to withhold tax at 20% for non-resident providers (or 5% for local providers).

Here is the painful part: Most global tech giants (like Google, Microsoft, and Salesforce) do NOT accept "net" payments. They want their full invoice amount.

As such you need to grossup the invoice amount.

Example:

Your Google Workspace annual bill: USD 1,200 (this is what Google must receive)

Withholding Tax due (20%): USD 300 (calculated on the grossed-up amount)

Gross amount YOU must pay: USD 1,200 ÷ 0.8 = USD 1,500

Amount paid to Google: USD 1,200

WHT paid to KRA: USD 300

That is a 25% increase in the real cost of your subscription!

Who is affected?

-SMEs and Startups relying on affordable cloud tools

-IT Consultants and Digital Agencies

-Banks and Fintechs using payment gateways

- Any company with a foreign software subscription

#FinanceAct2026 #KenyaTax #SaaS #DigitalEconomy #KRA #TaxUpdates #KenyanBusiness #StartupKE #Accounting #WithholdingTax #ITCosts #BusinessTips #TaxCompliance

[Cyprian, Is Nyakundi @C_NyaKundiH]

After SACCOs, Banks And M-Pesa Are Next As Kenyans Become Guarantors For A Debt Crisis They Never Ate

Kenyans must stop asking why Kenya has not defaulted and start asking who is being prepared to carry the default when the music finally stops.

Ghana was here.

Sri Lanka was here.

Zambia was here.

Argentina was here.

Lebanon was here.

The script is always the same, because a broke government borrows until lenders get tired, taxes until citizens are dry, leans on banks until credit disappears, pushes pain into pensions and domestic savings, then tells the public that sacrifice is needed to save the country.

That is why the SACCO story should scare Kenyans more than they currently seem scared, because SACCO savings are not government money, they are the private sweat of teachers, police officers, nurses, farmers, matatu people, boda riders, mama mbogas, small traders and workers who ran there after banks abandoned them.

In every default story, the government does not stand alone at the edge of the cliff, because it drags citizens there as guarantors through inflation, taxes, currency pain, bank losses, pension restructuring, frozen credit and forced patriotic nonsense dressed up as national recovery.

Banks already formed a comfortable debt circle with government, where lending to Treasury became safer and sweeter than lending to SMEs, which slowly choked biashara, starved the real economy and turned ordinary Kenyans into beggars inside their own banking system.

Now the same government that fed banks with public debt is walking into SACCOs, looking at the last pool of money ordinary Kenyans still controlled after taxes, deductions, mobile money charges, fuel prices, school fees and rent had already eaten their pockets.

The anus cannot be stitched to stop diarrhoea.

A debt crisis cannot be solved by raiding SACCOs, squeezing banks, eyeing M-Pesa, selling public assets and pretending that every desperate grab is an infrastructure plan.

Ghana called it domestic debt exchange.

Sri Lanka called it restructuring.

Argentina called it emergency controls.

Lebanon left people staring at bank balances they could not freely touch.

Kenya will give it a cleaner name, maybe national development, domestic resource mobilisation, infrastructure financing or patriotic investment, but the meaning will be the same.

The citizens are being prepared as guarantors for debts they never ate.

Kenyans are not angry enough, because if they understood where this road ends, they would know SACCOs are not the final target, they are the warning shot before banks, M-Pesa and every private pool of money still breathing outside Treasury’s hands.

The money is finished.

[Yoko @Kibet_bull]

Ruto past 2027 awatakuwa wanakutumia DCI to abduct you, it will be goons. Injure you or finish you.

Watch this space

[charles ngamau @figomastic]

Norway playing possession football like they are Brazil

[Amos Kibaru 🇰🇪 @akibaru]

Coming Soon! 🏡

Our newest 133 m² Precast Hybrid Bungalow is taking shape, and I’m still documenting the entire build process.

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[Yoko @Kibet_bull]

Haha, the right one

[Mzalendo Mūtemi wa Kīama @MutemiWaKiama]

😎😎😎

[Yoko @Kibet_bull]

Make sure you’re well planned when going to JK Live. The resurrected Jeff Koinange is something else 😂😂

He cooked John Mbadi and served him hot

[charles ngamau @figomastic]

.@WilliamsRuto opening the borders and selling out birth right is a bom waiting to explode

[charles ngamau @figomastic]

Spain playing very well today

[charles ngamau @figomastic]

@_James041 @Kibet_bull He is a what?? 🤣🤣🤣

[PlanetOfTheApesCEO @Studio9__]

@_James041 "When the madness of an entire nation disturbs a solitary mind, it is not enough to say the man is mad."

~Francis Imbuga the Playwright

[PropesaTv @PropesaTv]

Citizen TV injecting 💉

[Jim Njue @jimNjue_]

This is the best explanation why our beautiful country is in ruins under Ruto.

[SokoAnalyst @SokoAnalyst]

By January 2027, we will have a Kalenjin IG, a Kalenjin Chief Justice, a Kalenjin CS for interior, a Kalenjin CDF, a Kalenjin DCI Director.

What you do with this information, it's upto to you. Will the next general elections be democratic?

Will Ruto cede peacefully to the loss?

[Wamutahi @Son_of_Laikipia]

A mad man who is daring enough to abduct his citizens with impunity months before elections will rain hell fire on his critics if you re-elect him....he will be skinning you alive for smelling like a critic 😭😭.

[Amos Kibaru 🇰🇪 @akibaru]

🏡 Finally, the much-awaited pricing for our Hybrid Roof System is here!

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We got tired of the basics… hakuna roof design ingine isipokuwa skillion? 😄

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• Rooftop terraces
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• Water tanks
• Future expansion

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📌 Terms & Conditions apply.

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