Schengen Visa Application.
Everything You Need to Know.
Please note: This thread is for educational purposes only. I am not a travel consultant. Always verify information with the relevant embassy or official sources.
A Thread 🧵
Companies you should consider having in your NSE portfolio as we watch the year slowly unwinding down:
1. KCB
2. Equity bank
3. Diamond Trust Bank
4. Co-operative Bank of Kenya
5. Bank of Kigali
6. Kenya Power
7. KenGen
8. Carbacid Investment Company
9. Safaricom
10. Williamson Tea
What should be added to the list?
Most Kenyans keep their savings in a money market fund and call it "investing."
There's nothing wrong with that, but if you want real wealth building, you need to own a piece of Kenyan businesses.
Here's how to build a serious stock portfolio on the Nairobi Securities Exchange. 🧵
NSE banking stocks — you don’t need to own all of them. Here’s how to narrow it down:
a) KCB vs Equity — pick one. More alike than different; prices often move in tandem. Little incremental value owning both.
b) I&M vs Co-op — pick one. Both walk the same tightrope between growth and income distribution.
c) Stanchart vs Stanbic — pick one. Pure dividend plays. Choose whichever yield and balance sheet you trust more.
d) BK Group — genuinely distinct. Different risk/return profile from the rest of the NSE banking pack.
e) DTB & HFCK — the laggards. Low ROE, thin-to-no dividends. If you hold either, have a clear thesis why.
The goal isn’t coverage — it’s conviction. 3–4 names, high confidence, no filler.
If you use AI for productivity today.. buckle up!
Long gone are the days of using generalized AI ChatBots like ChatGPT, Gemini, Claude, Perplexity, and Grok.
AI is shifting very fast. Today, AI competition has morphed into specialisation.
For instance, in Video generation, there's a competition between Veo, Sora, Runway, Kling, and Seedance. It's about which AI generates videos best and at a low cost.
In agentic coding, it's Cursor, Claude, and Devin. Programmers know this.
ChatGPT is left for things like solving a friend's argument about who's better; Christiano or Messi.
Wolfram and Mathematica have set themselves on a race on which AI is better at math.
Data analysts are using Julius, Camel, and ThoughtSpot.
Whatever field you are in, somebody is creating an AI bot or agent for it. If not, that's your opportunity to take the lead.
After specialisation.. we will be headed to the cocktail stage. A specialised system made of a specialised cocktail of leading AIs working together to solve a problem.
Think of a cocktail of marketing, sales, data analyst, accounting, taxation, human resources, and finance AI agents working together seamlessly to sell a product 😎.
This is the way.
Many Kenyans don't know that they can invest in global companies like Nvidia, Tesla, Meta, Amazon, Netflix, etc
In this thread I answer the frequently asked questions about investing in offshore stocks & ETFs as a Kenyan.
1/ What's the minimum investment required?
1. Money Market Funds are best for regular savings
2. SACCOs are the easiest way to access cheap loans
3. Bonds are the best option for passive income
4. Special funds are a good choice for capital growth
5. Stocks enable you to enjoy both capital gains and dividends.
What else can you add?
As promised, this is a BEGINNER GYM GUIDE for 2026. 🧵
I made a lot of mistakes in my first month because I had no guide. I’m writing this so you don’t have to go through the same confusion. i’ll also share the routines I followed as a beginner.
Let's start 2026 like this:
This link has CV templates, SOP, Research proposals, Visa Interviews, Reference letters, IELTS, TOEFL, GMAT, GRE, and Emails to Prof:
Link: https://t.co/YeQjaW4OHr
RT and tag your friends.
Oneplus Nord 5
8GB +256GB ~Kshs 52,500
Display-6.83 inch Swif AMOLED , 1B colors ,144Hz, HDR10+
Android 15 (4 yrs upgrades)
Chipset-Snapdragon 8s Gen 3
CPU -3.0GHz
Main Camera-50MP+8MP
Selfie-50MP
Under Display Fingerprint
6800 mAh battery
80 W charging speed
For sh 200,000 break it into 4 portions of sh 50,000 buy.
1. KCB at sh 57........first 50,000/-
2. Equity at sh 60....second 50,000/-
3. Safaricom at sh 28....Third 50,000/-
4. Carbacid Investment at sh 26... Fourth 50,000/-
You can always ask your bank to open a cds account for buying shares. For an online platform where you can deposit cash via mpesa and withdraw money via mpesa when you sell, consider @AIB_AXYSAfrica
Top 10 Free AI Courses to Upgrade Your Skills.
Learn from Harvard, Microsoft, Google, and more.
No payment required to build skills & advance career.
Master AI, prompting, and automation all in one place.
Here’s the full list with direct links below:
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