Ki-who

[Edwin H. Dande @ehdande]

Key takeaways on more Kenyans cashing out pensions earlier after losing their jobs:

1.More than half of the benefits paid by pension schemes last year went to individuals accessing their savings before reaching official retirement age. These individuals, referred to as "leavers" who exited employment due to resignations, redundancy, or company closures, accounted for Sh74.57 billion, or 53 per cent of the total Sh141.76 billion paid by sector players.

2.The amount of money Kenyans cashed out from retirement savings surged by 10 per cent in 2025, pointing to severe difficulties in retaining formal employment amid broader economic pressures.

3.Instead of deferring their savings or transferring them to new schemes, many workers are using these early withdrawals as an immediate survival mechanism to meet their basic needs.

4.Although retirement benefit laws legally permit employees exiting a job to access up to 75 per cent of their retirement savings, 100 per cent of their contribution & 50 per cent of the employer’s matching contribution before retirement age, this heavy reliance on early cash-outs presents a major hurdle for the government’s push to grow overall national savings.

It will take a more robust economy for retirement savings to grow.

[cheruiyotkb @cheruiyotkb]

Fortifying your 40's - a guide to financial independence

As you approach your 40's, strategic financial planning becomes paramount for a secure future.

Here's a list of essential actions to undertake before hitting this significant life milestone:

1. Invest long-term: utilize your years of earning to invest in long-term instruments aligned with your financial goals.

2. Clear debts: entering your 40's free of bad debt not only lightens your financial burden but puts you in good standing with creditors.

3. Obtain insurance: early insurance not only safeguards your financial well-being but also enhances your understanding of its long-term benefits.

4. Build an emergency fund: prepare for the unexpected by saving for unforeseen situations.

5. Automate payments: streamline monthly payments by setting up automatic transactions.

6. Invest in self-development: continuous self-education, classes, and health investments contribute to personal growth and long-term financial success.

7. Embrace self-reliance: strive for independence by establishing your personal space and territory, fostering financial management skills and self-sufficiency.

8. Curb impulse spending: avoid impulsive spending to safeguard investments and savings from unnecessary depletion.

9. Diversify investments: mitigate risk by diversifying investments, avoiding putting all your financial assets in a single venture.

10. Maintain liquid assets: have liquid assets for emergency situations, ensuring rapid conversion to cash if needed.

[Simons @Simon_Ingari]

Boss announced today that the company is introducing a Performance Improvement Plan (PIP) for everyone.

One employee asked, "Why?"

The boss replied, "It's to comply with company policy. Nothing to worry about."

Then one Gen Z employee asked:

"Why the hell do we need a PIP if the company's profits doubled and every employee exceeded expectations?"

Silence.

Gen Z workplace energy is exactly what corporate deserves.

[The married man @marriedmn]

Marriage becomes dangerous when couples start keeping score.

“I did this.”
“You never do that.”
“I sacrificed more.”

A healthy marriage is not a competition.

The goal is not to beat each other.

The goal is to beat life’s challenges together.

Be a team.

[George T. Diano @georgediano]

As a man, after you cross 30, sit down and study the patterns in your family. Look at what distracted, delayed, or derailed the men before you. Look at what destroyed them. Your father, his brothers, your uncles, older cousins etc... is it booze, is it gambling, is it women, is it recklessly siring everywhere, is it poor financial decisions, did they struggle with deep anger issues, domestic terrorists, did they practice witchcraft and all that.

Sit down and study those patterns,, then make intentional decisions to break those cycles. Remember some of these things are normal vices. Look for a recurring or deep recognizable patterns that are plastered all over men in your family. What brought them down. Do you see a pattern? Now that!

As Joshua Selman always says “As a man, number one thing that will help you live to your potential is knowing what can bring you down”. And you may not run away from your family tree. Refuse to be a victim of repeated patterns. Because they are there.

Whether you know it or not. Whether you recognize them or you don’t. They exist. They didn’t have the knowledge and resources we now have. Honor your progeny. Break out of them. Be made of Gold.

[Grace Wilson @Hey_GraceWilson]

Cervical mucus changes.

[The married man @marriedmn]

Marriage is not all happiness and love, ask married men;

-some of them sleep on couches
-Some of them go weeks without s-x
-Some of them don't talk even to their wives for days
-some don't eat in their homes; they eat in hotels and come home to sleep.
-Some sit in their cars for a couple of minutes before walking in the house because there is no peace

It is a very technical institution.

[Llewellyn Ouya @LlewellynOuya]

Key differences between Money Market Funds and Special Funds;

1. Minimum Investment;
Mmf - sh 100, sh 1,000 or sh 5,000
Special Funds - 100k, 250k or 500k

2. Minimum topups;
Mmf - sh 100 or sh 1,000
Special Funds - 50k or 100k

3. Lock-in period;
Mmf - None
Special Funds - 6 months

4. Interest rates p.a;
Mmf - 6-14%
Special Funds - 18% plus

5. Compounding frequency;
Mmf - Daily
Special Funds - Quarterly (3 months)

Similarities;
- Both offer Compound Interest
- Both have a fund manager, trustee and custodian
- Both are regulated by CMA
- Both require personal info, Id/Passport, photo, bank/mpesa details and KRA PIN to open an account
- Both accommodate those in Kenya as well as Diaspora
- In both, some have mobile apps and websites while others require physical visits to branch

[Data Of Statistics @DataOfStats]

The Best-Selling Smartphone Brands in the World (2025)📱

1. 🇺🇸 Apple — 240 M
2. 🇰🇷 Samsung — 238 M
3. 🇨🇳 Xiaomi — 163 M
4. 🇨🇳 vivo — 105 M
5. 🇨🇳 OPPO — 101 M
6. 🇨🇳 Honor — 65 M
7. 🇨🇳 Realme — 58 M
8. 🇺🇸🇨🇳 Motorola / Lenovo — 50 M
9. 🇨🇳 Huawei — 45 M
10. 🇨🇳 Tecno — 44 M
11. 🇨🇳 Infinix — 30 M
12. 🇺🇸 Google (Pixel) — 15 M
13. 🇨🇳 itel — 14 M
14. 🇨🇳 ZTE — 9 M
15. 🇨🇳 TCL — 8 M
16. 🇫🇮 HMD (Nokia) — 7 M
17. 🇯🇵 Sony — 3 M
18. 🇬🇧 Nothing — 2.9 M
19. 🇯🇵 Sharp — 2.5 M
20. 🇹🇼 ASUS — 2 M

📊 Source: IDC, Counterpoint, Omdia.

[Grace Wilson @Hey_GraceWilson]

Partner Yoga Poses.
Stretch, balance & grow stronger together 💕

[Eric @amerix]

Taking a healthy fish and drowning it in deep-frying seed oils is a nutritional tragedy.

Fish is prized because it contains high-quality protein and Omega-3 fatty acids,

Omega-3 fatty acids are:

• EPA: Eicosapentaenoic Acid

• DPA: Docosapentaenoic Acid

• DHA: Docosahexaenoic Acid

They support the brain, heart, and blood vessels, and help regulate inflammation.

While growing up, we were told that Luos were brainy, with healthy eyes, because they ate fish from Lake Victoria. This is because of Omega-3 in fresh fish.

So, what happens when the fish is submerged in a pot of hot industrial seed oil?

The fish absorbs the seed oil, which is full of Omega 6 (Linoleic Acid and Gamma-Linoleic Acid).

The higher the temperature and the longer the frying process, the more the nutritional advantage begins to diminish.

The rancid, heat-unstable Omega-6 displaces Omega-3 leaving the fish empty.

The result is a fish that has lost part of what made it special in the first place.

That is why grilled fish, smoked fish, boiled fish, sun-dried fish, or fish cooked gently in a stew often preserve more of its natural nutritional value than deep-fried fish.

Babies, children and teenagers require plenty of Omega-3 from fish and fish broths.

Today, many people consume seed oils through chips, snacks, fast foods, biscuits, pastries, fried foods, and restaurant meals, and are therefore deficient in Omega-3

Food is not just about taste.

It is about what remains after digestion.

A fish that swims in seed oil is no longer the same fish that came out of the lake.

Protect the nutrients by cooking wisely and correctly.

#FoodFriday

[Seduction King @seduction__king]

THE 5 BEST TIMES FOR INTIMACY

• Morning energy (7-9 am) — hormones peak, bodies wake up, connection feels effortless
• Afternoon surprise (3 pm) — unexpected, playful, desire quietly rises
• Evening vibes (8-10 pm) — relaxed minds create deeper emotional connection
• Night routine (10-11 pm) — comfort, closeness, and consistency build intimacy
• Early morning bond (6-8 am) — better mood, more stamina, stronger emotional bonding

Intimacy isn't about when it feels right... it's about when you make it feel right.

[Men's Wardrobe @mens__wardrobe]

Types of watches .

[Eric @amerix]

One of the most underrated foods in traditional African nutrition is OX TAIL SOUP.

We buy expensive, yet useless supplements, protein powders, collagen drinks, and laboratory-made products while ignoring foods our grandfathers ate regularly.

OX TAIL is rich in collagen, gelatin, amino acids, minerals, and healthy fats.

• The gelatin supports joint health.

• The collagen supports connective tissues, tendons, ligaments, skin, and blood vessels.

• The amino acids, especially glycine, support sleep, recovery, and tissue repair.

For men above 35, whose joints ache after exercise or whose backs hurt after long hours of work, or who are recovering from illness, ox tail soup is the preferred medicine for healing and recovery.

Ox tail soup is also good for Mothers who have just given birth and are just about to breastfeed colostrum to the newborn.

Babies who have just started weaning should be given Ox tail soup in plenty.

Our ageing parents don't need calcium supplements, they need nutrient-dense foods like the ox tail soup.

The strongest men in history did not build themselves on processed foods.

They built themselves on nutrient-dense traditional foods.

Sometimes the solution is not in a pharmacy, it is in our kitchen.

#FoodFriday

[Eric @amerix]

Cow foot soup, also known as KIGERE or MLOKONI, is one of the most nutritious traditional broths.

Before collagen powders were sold in fancy containers, our grandparents were drinking KIGERE.

When most people see the hoof, they walk away!

The tendons, cartilage, ligaments, skin, and connective tissues in the cow's foot are rich in collagen, gelatin and calcium.

When cooked, these compounds dissolve into the soup, creating a thick, nourishing broth.

Cow hoof soup is traditionally given to recovering patients, postpartum mothers, babies and the elderly.

Collagen and gelatin provide amino acids that support the repair of joints, tendons, ligaments, cartilage, skin, and connective tissues throughout the body.

For men whose knees crack when climbing stairs, whose backs ache after a long day, or whose recovery after exercise takes longer, then kigere is the traditional broth for healing and recovery.

#FoodFriday

[Elle Lookbook @EvaLovesDesign]

What each time of day is actually called

[Unfiltered @quotesdaily100]

15 WORKPLACE HABITS THAT GET YOU NOTICED:

1. Arrive before everyone else → Sets the tone
2. Solve before complaining → Leaders do this
3. Follow up on everything → Trust builds fast
4. Volunteer for hard projects → Growth accelerates
5. Meet every single deadline → Reputation stays solid
6. Speak up in meetings → Visibility increases
7. Help colleagues without asking → Culture shifts around you
8. Keep inbox clean daily → Nothing falls through
9. Document your wins quietly → Appraisals become easy
10. Learn your boss's priorities → Alignment gets rewarded
11. Stay calm under pressure → Everyone notices this
12. Dress slightly better than required → Perception shifts instantly
13. Never gossip about anyone → Character speaks loudly
14. Ask for feedback proactively → Growth becomes visible
15. Leave every room better than you found it → Legacy builds quietly

[Co-op News @Coopnewsmedia]

Many people think they need a lot of money to build wealth. The truth is that financial growth often starts with consistent saving, not large deposits.

When Peter joined his SACCO, he started small. Every month, he saved what he could afford. Over time, those savings built a strong financial record and increased his borrowing power.

When an opportunity came, Peter qualified for a SACCO loan and invested in a poultry business. Today, that business generates income, supports his family, and continues to grow.

📌 The lesson: Save before you need money. Consistent savings create opportunities, improve access to affordable credit, and provide capital for investment.

Your savings are not just money set aside—they are the foundation for future opportunities.

💡 If your SACCO approved a loan for you today, what investment would you make?