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Besides the daily newspaper, what did your father bring you on Visiting Days in high school?

Posted on December 7, 2020December 7, 2020 by Kibaki Muthamia
Besides the daily newspaper, what did your father bring you on Visiting Days in high school?

Oh, the indefatigable agonies wrought by the Visiting Day.

Some students would have the extended family coming over in droves to gawk over them. Multiple cars, loud music and enough food that would turn a lackluster visiting day into a picnic that’d rival the present-day Blankets-and-Wine fiesta.

In my case, well, the story usually slid sideways on so many fronts.

I didn’t have an extended family covering a substantial section of the school grounds in colorful Maasai fabrics on a picnic.

My father was my sole guest in all the visiting days over the four high school years.

To give credit, where it’s due, father was never late. On that day, I’d spot kids staring at the gates all day long – and the sun would set with no one coming. I’d thankfully be spared that trauma.

Many a times, we’d be in the regular morning parade for the usual Visiting Day pep talk, and I’d spot him at the gate.

He’d be hard to miss, what with his signature cigar-tainted, black leather jacket and cowboy hat – with a daily newspaper clutched under his arm.

A file image of Tv personality Dennis Okari and his daughter.

I’ve since become a father, too, and I’ve understood – but in those days, I’d wonder (to myself) why father wouldn’t slice off a section of his annual tea bonus and get a new jacket.

My high school was rather liberal. Anything short of drugs was allowed on Visiting Day for students – as it was, a fair number of guests would openly engage in alcohol and various narcotics.

In my father’s mind, school was meant to be school – not alternative grounds for picnics and family bonding.

Father wouldn’t bring a single glorified Chapati, or rice dish with chicken or beef stews.

After assembly, I’d walk over to the gate.

There’d be a stiff handshake, and some inquiries on whether Miss Mutai was in good health. This lady taught Chemistry, and doubled as my class teacher. They’d been comrades in UON – when multi-party activism was a thing.

Father would grab my arm, and lead me to the school canteen. We’d grab soda, and cakes. We’d cross the soccer field to our usual quiet tree – near the church.

We had all the time in world, and not much to talk about.

The conversation never changed in all the years:

Father: Everyone is good at home. Your rabbit got puppies.

Me: Rabbits don’t get puppies. I also don’t have rabbits.

Father: Oh, shoot. I meant your dog.

Me: Wow, that’s nice.

Father: Why do you keep getting English and Kiswahili badges, and never once for Mathematics?

Me: I’ll try. I almost won in Biology.

We’d mostly read and re-read the newspaper. I’d glance at my colleagues having full-blown parties with their families with food, music and dancing.

Weirdly enough, the sight and smell of my father’s worn leather jacket gave me an inexplicable calm.

As a father, I’d like my kids to have fond memories of me. I seek to offer mentorship – socially, psychologically and financially. It’d be fulfilling to raise up my kids as all-round specimens on life and societal aspects.

To teach finance and money management, I’ve tapped into a proven financial entity with a structure built for this purpose.

The iconic Jumbo Junior Bank Account, with Co-op Bank.

Co-op Bank has a transitional account that’s a perfect for children below the age of 18 years. This is great as a financial teaching aid for kids, on the basics of money management.

The Jumbo Junior Account also grants the child automatic membership to the exclusive Jumbo Junior Club.

What’s more interesting is that the Jumbo Junior Bank Account attracts interest payable at 3%, annually.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Posted in SponsoredTagged Co-op Bank Kenya News, How to join Jumbo Junior, Jumbo Junior Bank AccountLeave a Comment on Besides the daily newspaper, what did your father bring you on Visiting Days in high school?

The Executive 11: The remarkable story of a teenage soccer team from Tanzania that won the E.A. Games (Under-17) title in 2007

Posted on December 3, 2020December 3, 2020 by Kibaki Muthamia
The Executive 11: The remarkable story of a teenage soccer team from Tanzania that won the E.A. Games (Under-17) title in 2007

Every boy is born with innate vitality.

That’s why as girls play with Barbie dolls, the boys are wrestling, pushing & fighting each other.

This exuberance is primal, and needs an outlet – contrary to which they become deviant and rebellious. If this vitality does not meet impact, it will be misplaced.

A few years ago, something remarkable happened in Tanzania.

A group of executives from the General Tires Company in Njiro pooled resources & started a youth soccer team. Njiro is an affluent suburb in the outskirts of Arusha. In Kenya, think of Muthaiga, or Kilimani.

They called the team “Executive 11“.

Rather than stationing the team in the opulent suburbs of Njiro, these men took it to an area called Ngaramtoni. This is an underprivileged settlement – its Kenyan equivalent is the sprawling Mathare Slums.

The team usually met on Sundays and the schedule was simple.

The men would play with the young boys from 11:00 am after church, eat snacks together at the end of the session (1:00 pm).

They’d then chit-chat with the boys, offer advice for various challenges – perhaps, for 30 minutes. Then call it a day.

The men understood that to change, and improve the underprivileged boys’ perspectives on life, they would need to provide an outlet for the pent up emotions & innate vitality which inevitably informs the male being – that’s what inspired them to form a team.

The boys from the slum looked forward to those Sundays.

Not so much for the snacks but the opportunity to bond and get closer to successful men that understood them. The men spoke their language – they could see close up that success could speak their language!

The soccer team – “Executive 11” – went on to participate and win the 2007 under-17 soccer category in the East African Games.

That slum team was proof that there are no bad boys. No ‘bad boy’ is born a bad boy.

If they cannot find a positive outlet, they will seek a deviant one.

For these boys, sports became the ultimate outlet. There are values that can only be forged in brotherhood: sports provided that opportunity to learn about loyalty, discipline & determination.

It molded them into productive men.

Presently, mentorship in all aspects is just as important for kids – irrespective of their backgrounds – whether slums or affluent neighborhoods.

Mentorship is vital in social circles, academic, political and most importantly, and which gets to determine the scope of their future – the financial aspect.

Teachings on finance and money management ought to start early in a child’s life. The good thing is, modern financial firms have in place financial mentorship program that aim to drive this agenda home.

For instance, Co-op Bank offers the flagship Jumbo Junior Savings Account.

Co-op Bank has a transitional account that’s a perfect for children below the age of 18 years. This is great as a financial teaching aid for kids, on the basics of finance.

First off, the account offers automatic membership to the Jumbo Junior Membership Club, which is packed with lots of benefits.

There’s a free, funky ele-bank for the kid for every new account.

The Jumbo Junior Account also allows discounted bank cheque’s for fee payments to the child’s school.

What’s more interesting is that the Jumbo Junior bank account attracts interest payable at 3%, annually.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Also Read: https://www.ghafla.co.ke/sponsored/whats-the-most-remarkable-story-youve-heard-from-a-long-distance-truck-driver/

Posted in SponsoredTagged Co-op Bank Kenya News, Executive 11 FC news, How to join Jumbo Junior, Jumbo Junior Bank Account, Mathare slums news, MYSA newsLeave a Comment on The Executive 11: The remarkable story of a teenage soccer team from Tanzania that won the E.A. Games (Under-17) title in 2007

What does it really mean to be a ‘Bazu’?

Posted on November 27, 2020November 27, 2020 by Kibaki Muthamia
What does it really mean to be a ‘Bazu’?

‘Bazu’ the term, from a street’s perceptive, refers to someone who’s true to oneself.

Someone confident enough to live life in accord to one’s own values. While this is a salute to absolute independence, it pays no tribute to the actual career of a person – it could be a run-of-the-mill street hustler peddling confectionery to make an honest living.

Someone working hard to make the world a better place.

A ‘Bazu’ is not overly concerned with the trappings of success, especially those linked to a hereditary origin. Wealth, position, fame, status of self and spouse, et al.

This term salutes someone with morals, convictions, and an independent and fiercely open mind. It’s a definite plus to possess a strong work ethic, and fuses all these as guiding principles in life.

Sauti Sol (file image)

A ‘Bazu’ does in life what they feel called to do.

Someone invests in a fun and optimistic perception about life and the future.

How then, can one be optimistic about life and the future if they do not party in moderation and responsibly?

A ‘Bazu’ doesn’t emotionally manipulate and fleece partners to make a living.

It’s wise to invest in self-improvement – evening classes to earn a coveted promotion at work – as compared to pulling tribal strings. That’s a definite ‘Bazu’.

To be a ‘Bazu’ means observing a healthy lifestyle. A regular, and steady exercise regime. A careful diet, with, perhaps, occasional splurges to self-treat and medicate.

While at it, drugs are a no-no. At least not within the excesses of getting in trouble with the government, or their mother.

When things go sideways, as they sometimes will, a solid ‘Bazu’ has no excuses. Time wasted blaming others, or the faceless government is better spent accepting failure and learning one more way of not failing.

A ‘Bazu’ doesn’t need to own a building – but, pays rent on time, and doesn’t randomly pick pegs owned by neighbors from the hanging lines.

A ‘Bazu’ will water and feed the neighbor’s cat in their absence – and, will ignore the new pair of high heels on the door across the hall.

This is someone who respects the mantra: Not my circus. Not my monkeys.

Simply, someone who minds their business.

A ‘Bazu’ combines working smart, with working hard as this fuels the baseline ambition to achievement.

On matters family, a ‘Bazu’ respects the basics of family and upholds the integrity of that unit. Their first priority is their spouses, and their children.

A ‘Bazu’ invests in their kids.

To grow gainfully, kids need an all-round mentorship. There’s the social aspect, like people skills. But, then, all these pale if unsound financial basics aren’t imparted.

One of the fundamental basics of financial mentorship is the need to teach the culture of savings in money management.

In this sense, a reckoning ‘Bazu’ embraces new technology.

In days gone by, people would save in holes and nooks in walls and tree trunks.

Presently, there is a banking institution that’s got a structure specifically meant to handle kids.

The Jumbo Junior Bank Account, with Co-op Bank.

Co-op Bank has a transitional kid’s account. It’s designed for children below the age of 18 years, for the safe keeping of money.

Besides, it offers automatic membership to the elite Jumbo Junior Club.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Related: https://www.ghafla.co.ke/sponsored/this-is-a-tribute-for-everyone-navigating-the-torturous-and-bumpy-age-27-35-years/

Posted in SponsoredTagged Co-op Bank Kenya News, How to join Jumbo Junior, Jumbo Junior Bank Account, Kaka Empire, Sauti Sol newsLeave a Comment on What does it really mean to be a ‘Bazu’?

If you ain’t a parent, you have no moral authority to advise anyone on parenting. Kwa ground vitu ni different…

Posted on November 23, 2020November 28, 2020 by Kibaki Muthamia
If you ain’t a parent, you have no moral authority to advise anyone on parenting. Kwa ground vitu ni different…

I’m sitting at a wide, polished table looking at a colorful hotel menu. It’s a garden café, with 9 tables spaced out in three’s. There’s some hidden speakers playing country rock.

On the table directly behind, there’s a family of 4 – a relatively young couple with two boys, perhaps four and six, or seven.

The kids are noisy. They hardly keep at their seats. The first born leads the younger one all over the lawn, raising a circus.

I can hardly concentrate on amazing photos of pudding on my menu.

The younger one grabs a passing waitress by her apron, and demands some kind of strawberry ice cream. There’s an altercation, as she asks for the nod from their dad. He’s on his phone.

The mum shakes her head.

“I said no ice cream today”, she says.

In real time, an almost similar couple arrives. Two girls, roughly the same age as the loud ones behind me.

None of the parents whip out their phones immediately they take their seats. The kids keep still on their seats. They order a fruit pudding.

That pudding is a standard pudding. None of that celebrity magnificence on the colorful menu.

I order fried corn with French white beans garnished with organic Guacamole.

Anyways, the family silently dig into their bowls, with tooth picks.

Meanwhile, behind me, I catch lines like:

“Why can’t you be like those kids kwa ile meza? Wanakula bila kelele ama kuranda randa?”

Immediately they finish their pudding, the elder one picks up two bowls, the sibling picks the others. They leave the table and head towards the kitchen. It’s a bit to the left, but, their waitress appears. They hand over the bowls.

She thanks them.

The younger one quips: Welcome, anytime.

Am tongue-tied. I glance back at their parents to catch them fist-bumping. That’s when it hits me.

This, right in this café with me, is what’s up with modern parenting.

There’s no sure way. Most people are just swinging it.

You are either doing it right – or stumbling through the maze.

By varying parenting degrees, you are either awesome, or doing miserably.

Well, being a parent and talking of being a parent – are two worlds apart. If you ain’t a parent, get a kid first – and see how different things are – on the ground.

Don’t be mistaken. Kids are the best thing, but with a disclaimer: Kama Wako Na Tabia.

If not, your spouse will always be stressed, tired and irritable.

Modern generation parents have a crisis. The mother is the official disciplinarian, the dad falls back as the ‘cool parent’. Or, vice versa.

Talking of kids, at least mentor them on money management, and good financial discipline. Because that’s one aspect of their future that’s definite.

If in future they suffer poor people or social skills, it pays if they are financially smart.

Luckily, there’s a financial partner coming through.

Co-op Bank, with the iconic Jumbo Junior Bank Account.

Co-op Bank has a transitional account for children below 18 years.

First off, the account offers automatic membership to the Jumbo Junior Membership Club, which is packed with lots of benefits.

The Jumbo Junior Account allows discounted bank cheque’s for fee payments to the child’s school.

This account also attracts interest payable at 3%, annually.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

P.S. – It turns out that “Fried corn with French white beans garnished with organic Guacamole” is just fried Githeri with avocado.

Related: https://www.ghafla.co.ke/sponsored/five-hassle-free-and-profitable-hobbies-for-kids-that-are-also-very-good-sources-of-income/

Posted in SponsoredTagged Co-op Bank Kenya News, How to join Jumbo Junior, Jumbo Junior Bank AccountLeave a Comment on If you ain’t a parent, you have no moral authority to advise anyone on parenting. Kwa ground vitu ni different…

What’s the ideal birthday gift for a daughter turning into a teenager?

Posted on November 22, 2020November 23, 2020 by Kibaki Muthamia
What’s the ideal birthday gift for a daughter turning into a teenager?

Thirteen, is not the perfect age to be.

A lot of unfamiliar emotions kick in at this age. This age shapes or breaks a lot of teens.

For her 13th birthday, it can be confusing to pick an ideal gift.

It depends on her personality, and interests. What does she like?

Is she the outdoorsy type? Is she artsy? Is she into electronic gadgets? Is she a fashion and style fanatic?

Think of what she mostly talks about. Check out her social media pages, and see what she and her friends are gagging about. It’s almost always about latest trends in clothes, gadgets and whatnot.

Teens are fragile. If you ain’t sure what’s best, pick the ‘mediator choice’.

The mediator choice in gifting is to go for two gifts. One gift is what you think would be her choice.

The second gift is what you’d want for her. This is what makes the real impact. You want something to last, something with a bodily and interpersonal impact on her life.

Here’s some suggestions:

An Experience

At some point, this has gained relevance. A special treat on a special day leaves everlasting memories, which far outlives tangible gifts.

You can treat your teen to a lunch or dinner in a fancy restaurant you wouldn’t normally dine in. A memorable drive together, perhaps to the park or to a mall she fancies.

This choice works well – one, you get to talk on life values and what’s expected of her as she enter puberty. She’ll remember how you took time off a busy work schedule to be with her, or let her skip school to spend time together.

A Painting Portrait

This is becoming trendy and not overly pricey.

There’s a rich cast of talented canvas and online artists who’d create a timeless piece of art at little cost. This would be framed, and hung in her personal space. At this stage, it’s most likely her bedroom.

Scour her social media pages for her most liked photo, or pick from the family album. That’s timeless.

Also Read: https://www.ghafla.co.ke/sponsored/building-your-own-home-from-scratch-versus-purchasing-a-finished-home-from-a-developer-whats-the-wiser-choice/

Lifetime jewelry

Not every girl likes chocolate. A wiser choice is some timeless jewelry.

An iconic pendant, picked from her most-likely preferences set on a silver chain would be an excellent choice. With teens, price shouldn’t be exorbitant – she’s prone to losing it in some future party – so, attention should be paid to detail, not price.

Some trendy studs, perhaps. A bangle, or an anklet?

Legal tender

For a teen, money never goes out of vogue.

There will always be fancy things that’ll catch your daughter’s eye at the mall, at the fair, under the street light on the pavement – money will always nail it.

However, when gifting money to a teenager, it pays to be cautious.

The ideal way to gift a teen, and teach at the same time, is to introduce her to the basics of banking and savings. Create a savings account for your teen – and slowly impact lessons of money management – and encourage her to work and save for whatever she craves. It’s easy, with the right support.

Introduce her to the iconic Jumbo Junior Bank Account, with Co-op Bank.

Co-op Bank has a transitional account that’s a perfect for children below the age of 18 years. This is great as a financial teaching aid for kids, on the basics of money management.

First off, the account offers automatic membership to the Jumbo Junior Membership Club, which is packed with lots of benefits.

The Jumbo Junior Account Club comes through for their member’s birthday anniversaries with a funky birthday card, and intermittent clubbing events. How cool is that?

What’s more interesting is that the Jumbo Junior bank account attracts interest payable at 3%, annually.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Posted in SponsoredTagged Co-op Bank Kenya News, How to join Jumbo Junior, Jumbo Junior Bank AccountLeave a Comment on What’s the ideal birthday gift for a daughter turning into a teenager?

Five hassle-free and profitable hobbies for kids that are also very good sources of income

Posted on November 18, 2020November 18, 2020 by Kibaki Muthamia
Five hassle-free and profitable hobbies for kids that are also very good sources of income

Did you know your kids can easily pay for their school fees when school resumes?

Besides earning an income, hobbies keeps kids busy at home. No more worrying about which corner of the neighborhood they are hanging out with friends. Talking of hanging out, are they even with the right company?

Here are five awesome suggestions:

Rabbits

This is an all-time kid’s favorite. It requires an easy set-up, and very flexible. Rabbits do not need lots of capital, or space. A standard balcony works just fine.

First, get a rabbit-rearing-book for the kids. Then, make a decision on type of hatch to buy – or build. Depending on your area, guide kids on how to feed them. Feeds can be purchased in grocery markets or picked from the fields, in case of a rural set up.

Chicken

Most homes already have poultry. In that case, it’s a matter of allocating a section to the kids. Make it known that the birds are their responsibility and teach them the basics of chicken-rearing. Chances are they are farmers already. Insist on management, and how to make it a profitable past time.

Doves

Besides adding ambience to the home, doves and pigeons are very hassle free. Just a basic wooden structure hung from the eaves of the family house. They need little daily inputs. Birds always have a commanding market, so income is assured.

Toys

There are a TON of homemade toy ideas floating around on the internet. Toys for babies, toddler toys, toys for preschool boys and girls. Toys made from old furniture or from items in your recycle bin, toys made from stuff you already have around the house. Within your circle, you’ll find a lot of families willing to buy toys from your kids.

Cooking lessons

This can easily translate to future career choice for your kids. It’s a lot of fun and bonding moments teaching basic cooking skills to your kids. Because of the general life style shift to working from home, lots of people would like home-delivered cakes and pastries. Skills in cooking are essential, and within a short time, will translate to a much sought after brand.

It’s awfully understated, plus for these and similar hobbies, is that they come in handy when teaching kids about money management. A kids learns how to balance priorities, make budgets and handle responsibilities. Besides, with articulate mentorship, the savings culture is instilled early.

Nothing makes a kid glow brighter than achieving a financial goal by saving for it. A coveted bike, perhaps?

Luckily, there’s a financial partner aligned to this cause.

Co-op Bank, with the iconic Jumbo Junior Bank Account.

Co-op Bank has a transitional account that’s a perfect for children below the age of 18 years. This is great as a financial teaching aid for kids, on the basics of money management.

First off, the account offers automatic membership to the Jumbo Junior Membership Club, which is packed with lots of benefits.

The Jumbo Junior Account allows discounted bank cheque’s for fee payments to the child’s school.

What’s more interesting is that the Jumbo Junior bank account attracts interest payable at 3%, annually.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Posted in SponsoredTagged Co-op Bank Kenya News, How to join Jumbo Junior, Jumbo Junior Bank AccountLeave a Comment on Five hassle-free and profitable hobbies for kids that are also very good sources of income

The story of an astute neighbor who used doves and pigeons to serve life-transforming lessons

Posted on November 17, 2020November 17, 2020 by Kibaki Muthamia
The story of an astute neighbor who used doves and pigeons to serve life-transforming lessons

When you pray, do you remember to beseech and plead with the gods for a good neighbor?

Because, well…..

A neighbor can be The Deity’s way of leading an angel into your life, or, a neighbor can be the real personification of The Devil.

The saying: You cannot choose family but you can choose neighbors? Ignore that misleading cliché.

Neighbors will sometimes test your patience, and keep your nerves on edge.

Once in a while, though, there’s that one neighbor who becomes family. This one blends so much into your life that you want to weep with grief if they have to move.

When I moved to Rongai, I was looking for someplace quiet. A cross between urban and rural. A place friendly to kids, and pets. Neither too far from the city, nor too rural.

In Rongai, we picked a three-bedroomed house in a new, two-house block. A short hedge split the front and back yards. I settled in quite easily, just about the time the adjoining house got its tenant.

Soon, I realized we had a lot of similarities with our neighbor. We both had spouses, and kids. We both loved pets. I kept dogs, and the other family kept cats, chicken and pigeons.

Keeping pets in rental houses is tricky. They are a constant source of antagonism.

My dogs would sometimes squeeze through the hedge and crap in their backyards. The family wouldn’t get hysterical over that, and we also didn’t mind if their pigeons flew into our kitchen garden and pecked our vegetables.

Well, this family taught me a lot of values, especially on parenting volatile teens.

As we got to know each other, I became aware that the doves and pigeons belonged to the teenage boys in the family. The two boys kept roughly 20 to 30 birds at a time.

The birds gave our homes great ambience and lively sounds. It’s soothing and therapeutic listening to pigeons cooing at dawn. At some point, I decided to buy some for my kids. My kids and I had to read up on the birds, though.

Did you know that there’s no difference between DOVES and PIGEONS?

It’s just linguistic origins.

The word dove came into English from the more Nordic languages, whereas pigeon came into English from French.

Have you also wondered why despite seeing thousands of pigeons on the streets, there’s never any baby pigeons?

These birds haven’t survived several millennia through shoddy parenting. The squeakers or squabs leave the nest when they are ready to fly and cater for themselves.

That’s a basic principle we should apply to raising kids.

I saw it up-close, with my neighbor, and his kids.

Each of their teenage sons had a savings account for all the sales they made on the birds. They’d sell a pair of the birds at Kes. 1000….over time, it’s a tidy sum piling up.

Both teens had a Jumbo Junior Bank Account, with Co-op Bank.

Co-op Bank has a transitional account that’s a perfect for children below the age of 18 years. This is great as a financial teaching aid for kids, on the basics of money management.

As teens, these kids could pay their own school fees from the sale of their birds!

The Jumbo Junior Account allows discounted bank cheque’s for fee payments to the child’s school.

What’s more interesting is that the Jumbo Junior bank account attracts interest payable at 3%, annually.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Related: https://www.ghafla.co.ke/sponsored/have-you-had-a-debtor-skip-payment-but-instead-has-a-story-that-slides-sideways-immediately-it-starts/

Posted in SponsoredTagged Co-op Bank Kenya News, How to join Jumbo Junior, Jumbo Junior Bank Account, Rongai newsLeave a Comment on The story of an astute neighbor who used doves and pigeons to serve life-transforming lessons

The choices one makes on the first week in high school makes or breaks all future prospects

Posted on November 11, 2020November 12, 2020 by Kibaki Muthamia
The choices one makes on the first week in high school makes or breaks all future prospects

Well, that iconic first day in high school.

Ain’t we all bursting with energy, ambition and purpose-driven desire to make our folks proud? Grand dreams to achieve and rise as a trail-blazer for younger kids we have left behind in the village?

You are giddy and high on inspiration from pep talks from a successful uncle. It matters little that he’s had the godfather role thrust upon him for the virtue of being the sole doctor in the region. Oh, he ain’t a medical doctor, just that he’s some PHD.

One is truly psyched to conquer the world.

Machakos High students in celebration after a past KCSE exam release. (file image)

Barely into the first week in high school, you realize that life and the world aren’t possibly orbiting on the same line.

No laws of God or Science can explain what happens on the first week in high school. It’s just a week in real time, but the week leaves a complete paradigm shift on an entire life’s trajectory.

A naïve, innocent lad from some tiny village in some obscure village learns entire life basics in a week.

Like, being mean for no reason can make you the bigger person. Not necessarily a better person, but the bigger person. For high school life is akin to life in the kingdom of apes – bigger is better than better.

For some reason, older boys will forfeit rest and sleep to make yours impossible.

Is this really an institution of learning, or did you make a wrong turn to end up in a boot camp for imbeciles, bullies and child soldiers?

What intellectual gain is there in making fake calls to your relatives from a smelly shoe? How boring will life in school be, if a crowd of seniors will find it funny enough to burst in laughter for every word you utter in a feigned call?

The first week teaches one the benefits of association.

It pays to make connections and network with influential people in the society.

On that first week, to be familiar with someone influential saves you loads of pain and discomfort. If the main school bully comes from your village, or shares the same last name – you are safe. It’s fruitful on first glance, but that association may end up messing your entire future – not just in high school.

It pays to have money, or exist from a lineage with money.

However, very few people are born into a rich lineage. The good thing is that it’s not an exclusive class. One can always work from scratch, or poverty to be rich. One first becomes rich, then works on to become wealthy.

It requires financial discipline and money management skills to be successful. The basic rule is always earn more than you spend – and the balance is secured in savings. The saving discipline is hard to teach, and requires infinite patience and ambition.

The best way to instill or learn the saving discipline is to teach it to kids early. Once this concept is grasped at an early age, the values are carried onto adulthood.

Presently, there is a financial institution with an incentive that’s proved to be a useful tool in imparting financial knowledge to kids.

The Jumbo Junior Bank Account, with Co-op Bank.

This is a transitional account from Co-op Bank that’s designed for children below the age of 18 years.

It’s an ideal teaching tool in the general basics of finance, and the value of building savings.

This account also gives your kids instant membership to the elite Jumbo Junior Club.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Posted in SponsoredTagged Co-op Bank Kenya News, How to join Jumbo Junior, Jumbo Junior Bank Account, Kenya high school news, Machakos Boys School news, Sekenani Girls secondary School newsLeave a Comment on The choices one makes on the first week in high school makes or breaks all future prospects

The three kinds of people that the irritating morning alarm brings out!

Posted on November 10, 2020November 10, 2020 by Kibaki Muthamia
The three kinds of people that the irritating morning alarm brings out!

It’s a simple thing, really, but nothing defines personality better than the sound of the wake-up alarm.

Human beings are wired differently.

The morning alarm sound evokes feelings and temperaments. It’s at this moment that the day’s mood is set – and, largely, general life enthusiasm.

Case study: An important meeting at 0700hrs. The alarm is set for 0500 hrs.

There are three kinds of people:

  • The first kind of people will spring out of bed like it’s infested with soldier ants.

Herein lies the ambitious lot. This is the kind that will have four gigs happening in a single day. Someone will be in college, attending morning classes, then a regular job as a babysitter in the afternoon. In the evening, they will freelance as a karaoke host or resident DJ at the local pub.

All this while, they are supervising sibling’s homework at home, regular volunteers at the local orphanage and running a home-based charity foundation named after a deceased grandparent.

This lot has endless energy, and has little time to spare for life essentials, like dating, or clubbing. Their single ambition in life is to be successful and tag along their entire clan.

This group’s standard dress is smart khaki trousers and fitting shirts, checked or plaid.

  • The second kind will turn around, feel for the phone in limbo – eyes closed – and hit the snooze button.

Well, in this group, lies a significant section of the world’s problems. This group of humanity is content with their status quo.

Not attain the cut-off point for entry to campus? Daddy will pay for my parallel degree. No offense, but lots of modern day Kevoh’s and Brayo’s are smack in this category.

They’ll gladly use rent money to re-subscribe cable and internet. After all, the landlord is a long-time family friend. They do not shop for groceries: they take weekly trips to their homes and raid their parent’s pantry.

This group’s biggest personal asset is their smart phones. How else will they follow the latest Insta-trends and who’s who getting married or linked to the latest socialite?

After hitting the snooze, Brayo will subsequently re-hit it till its 10 minutes to the appointment time. Then, it doesn’t really make sense: No sleep has been gained for the entire snoozing time.

  • The third kind of person will seek to reset, not just the time, but, all other rules.

This person has the same meeting at 0700 hrs, but sets the alarm for 0645 hrs.

Here lies the smartest, up-worldly class of people. They are organized, though at first glance, it seems unlikely.

They have articulate plans for everything.

Clothes are laid out, breakfast is skipped, transport arranged, etc. They are most likely to be the first ones at the 0700 hrs meeting.

******

In cue, it’s paramount to make plans for the future, and organize your affairs to handle any eventuality. Especially for people with young families, these plans are usually shaped by kids, and their future. Kids need guidance, mentorship and leading by example.

Take, financial mentorship, for example.

It’s a good start to enroll your kids for The Jumbo Junior Bank Account, with Co-op Bank.

Co-op Bank has a transitional account that’s a perfect financial mentorship tool for kids. It’s designed for children below the age of 18 years, for the safe keeping of money.

Besides, there’s a load of unbelievable benefits, like, automatic membership to the elite Jumbo Junior Club.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

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Why on earth does everyone miss those miserable days in high school?

Posted on November 8, 2020November 9, 2020 by Kibaki Muthamia
Why on earth does everyone miss those miserable days in high school?

Life in high school was, at best, a miserable time.

It’s a wonder, and one of life’s greatest mysteries why everyone misses it.

Is it the food, whose broth was indefinitely afloat with black weevils? That daily bread would be eternally damned as food not even fit for death row prisoners, but, still……

The administration would go one rung lower on the ladder of humanity by garnishing the weevil-infested meals with a dash of kerosene.

H_Art the Band, role play. (file image)

Is it the crazy hours for the morning preps?

In high school, there was none of that patronizing line: “Hey, am kind of a morning person, you know…”

The penalty for missing the 4.30 AM call (and, getting caught), was hauling bedding to the central parade square, and spending the day tucked in. Forget the hot overhead sun for a moment, the load of judgmental stares from schoolmates would be unnerving, and haunt you for weeks.

Not all gloom, though.

High school had two categories of people: the grumps, and, the life enthusiasts.

If you loved high school, and didn’t kind of wish the intermittent teacher’s strikes to go on forever – you were the former. A grump.

The others would be life enthusiasts.

Different things helped people get through this phase.

For once, high school was flush with books to read. Yes, pun intended. Fun books to read, not the complex, tiresome arithmetic books. Novels.

The favorite books were the inspirational kind.

Books like Think Big, by Ben Carson. An incredible brain surgeon’s story of humble beginnings in a single-parent household fraught with challenges to conquer the world of medicine. That book would leave your head throbbing. For a week or so, you’d be so high and psyched on inspiration that you’d actually attempt Physics assignments.

The second week, you’d be back to copy pasting Mark’s assignments.

Mark was a celebrated, self-confessed Grump. School heads of departments would almost get into physical fights to have him as a prefect or captain in their departments.

Another book that ranked closely was Rich Dad, Poor Dad, an emasculate rendition of bad and super-bad parenting by Robert Kiyosaki, and Sharon Lechter. On paper, it advocates the importance of financial literacy, and education.

In reality, the book Rich Dad, Poor Dad would be an orthodox scale we’d use to gauge our parents – and they’d always be found wanting. They’d hopelessly fall short of the ideal and accepted levels of parenting.

Not once, did I see a high school kid content, as appertains to parenting levels. The levels were inadvertently raised by these inspirational books!

There’s no proof yet, but this generation has spawned the modern inspirational speakers, and entrepreneurs.

A motivational speaker cum entrepreneur up on stage, in a sharp, rented Italian suit will go:

“I own a multi-million dairy business with hundreds of dairy cows and employs thousands of workers on a daily basis. I started all this – pause for effect – with a pair of gumboots….”

Well, as a parent now, take it as a task to teach your kids the mathematics of money.

If so inclined, every kid should learn financial accounting, and perfect it. Then, savings discipline. Luckily, there are structures and banking partners helping you to start as early as possible.

The Jumbo Junior Bank Account, with Co-op Bank.

Co-op Bank has a transitional account that’s a perfect tool to teach the saving culture to kids, and financial discipline that will be beneficial in their adulthood. It’s designed for children below the age of 18 years, for the safe keeping of money.

Besides, there’s a load of unbelievable benefits, like, automatic membership to the elite Jumbo Junior Club.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Posted in SponsoredTagged Ben Carson news, How to join Jumbo Junior, Jumbo Junior Bank Account, Kenya high school news, Robert Kiyosaki newsLeave a Comment on Why on earth does everyone miss those miserable days in high school?

This is a tribute for everyone navigating the torturous and bumpy age: 27 – 35 years

Posted on November 5, 2020November 6, 2020 by Kibaki Muthamia
This is a tribute for everyone navigating the torturous and bumpy age: 27 – 35 years

Sit up, shut up, and read.

The acne-ridden, teenage phase is not the most turbulent in life.

That age from 27 to 35 years is a soul crusher. It’s the phase that serves the realities of life as they are. Un-peppered. No padding.

In the teenage phase, anything stupid and ridiculous is patronized with:

“Hey, they are teens, what do you expect? It’s their time to be young and reckless.”

At 27 to 35 years, you’ll miss this apathy.

At this stage, you are dealing with ego, first. There’s a lot of self-examination when dealing with accepting your list of friends getting smaller, and smaller. Suddenly, your Do-or-Die gang is no longer so much Do-or-Die. Who turns down the gang at the last minute before the road trip of the year?

Did I get boring at some point?

At this stage, you get busy cleaning up the messes you made in your late teens and early 20’s. Suddenly, spontaneous weekend-long raves and out-of-town drives that made Monday classes an automatic miss start to bite. Oh, all the drugs.

“Drugs?” the alter ego will ask. “We just did base-line drugs.”

Well, talking of base-line, that standard ‘pass’ in your finals is a stumbling block. Newbies with an ‘upper credit’ mark, or ‘distinction’ keep getting the nod for vacant upstairs offices.

At this age, career demands are at the peak. Long hours, dawn to dusk. You need to log in as many hours at work as you possibly can. A lot of times, work spills over into weekends. It’s a busy phase.

At this stage, most relationships are touchy, fragile and demanding. A lot of people convert their heady college relationships into new marriages. That’s fine. What’s not fine is expecting the carefree, happy-go-lucky college moods follow you into the new marriage.

At this age, the probability of a toddler (or, toddlers), in the mix.

A toddler is a bundle of joy.

At this age, that line seems a tad too colorful when it gets into the overall matrix. It’s not a piece of cake balancing parenting with tight finances. To plump out the finances, you need more hours at work, sometimes second and third jobs.

This burns out fickle virtues you saw in your significant other, like patience.

“You don’t spend time with the baby.”

Aaaargh!!

Since work and family takes up lots of time, exercise is non-existent. The finance angle doesn’t allow any chance of joining a decent gym. Health issues start to knock.

The 27-35 year phase is the hardest stretch to navigate.

However, it’s not all doom. You can still atone yourself, make some good choices. You can line a good narrative for the kids, at the very least.

Offer, or attempt to give better mentorship than you had as a kid. Especially on the financial point – on the social front, the kid’s fate lies with choices they make later.

A little like all the wrongs one you made in college.

Teach them the basics of finance, and money management. The age-old, surefire way of building savings. Luckily, there’s structures to help you along.

The Jumbo Junior Bank Account, with Co-op Bank.

Co-op Bank has a transitional account that’s a perfect tool to teach the saving culture to kids, and financial discipline that will be beneficial in their adulthood. It’s designed for children below the age of 18 years, for the safe keeping of money.

Besides, there’s a load of unbelievable benefits, like, automatic membership to the elite Jumbo Junior Club.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

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The rich Arabic teachings and inspiration in The Tale of the Arab and the Camel

Posted on October 21, 2020October 22, 2020 by Kibaki Muthamia
The rich Arabic teachings and inspiration in The Tale of the Arab and the Camel

One cold night, as an Arab sat in his tent, a camel gently thrust his nose under the flap and looked in.

‘Master,’ he said, ‘Let me put my nose in your tent. It’s cold and stormy out here.’

‘By all means,’ said the Arab, ‘And welcome’ – as he turned over and went to sleep.

A little later the Arab awoke to find that the camel had not only put his nose in the tent but his head and neck also. The camel, who had been turning his head from side to side, said, ‘I will take but little more room if I place my forelegs within the tent. It is difficult standing out here.’

‘Yes, you may put your fore legs within,’ said the Arab, moving a little to make room, for the tent was small.

Finally, the camel said, ‘May I not stand wholly inside? I keep the tent open by standing as I do.’

‘Yes, yes,’ said the Arab. ‘Come wholly inside. Perhaps it will be better for both of us.’

So the camel crowded in.

The Arab with difficulty in the crowded quarters again went to sleep.

When he woke up the next time, he was outside in the cold and the camel had the tent to himself…………..

The Tale of the Arab and the Camel.

***********

The recent lifestyle changes have brought other subtle challenges. Parents have to get ingenious and more innovative with the increased time they spend with their kids. The western culture has also gradually crept in – like, the bed time stories thing.

Kids no longer get banished to their rooms.

It then dawns to the parent how astonishingly little they know about folklore, or cultural stories. The solution is over-the-counter children’s books. They may pass, but they lack the authenticity and richness of local folklore….

Kind of explains why kids would fall asleep mid-story, anyways!

A rich cultural story would have a kid gripping covers – knuckles white, eyes wide open and a thumping heart! That certainly doesn’t lead to slumber!

The Arabian culture has largely retained its glory over the years. While they have infused some of the West, Arabs have passed their culture from generation to generation.

Folk tales, proverbs, tribal sayings – name it.

As an integral part of life in Arabia, the camel features heavily in these tales. There are lots of teachings in Bedouin proverbs and sayings.

The Story of the Arab and the Camel.

Besides a myriad of uses as a proverb or metaphor in this tale, the camel describes an ambitious, progressive individual. The nerve, the courage and the drive to achieve what one desires, or get to unprecedented heights.

For the parent seeking ways to teach and still values in a kid, this is a rich proverb to source for inspiration.

In teaching kids financial values and cultivate a saving culture, it’s always better to start early. It’s also prudent to have an understanding, capable partner with aiding structures.

Introducing the iconic Jumbo Junior Bank Account.

Co-op Bank has a transitional account that’s teaches the financial discipline kids need to nurture a saving culture to kids. It’s designed for children below the age of 18 years, for the safe keeping of money – and, loaded with unbelievable benefits.

To sign up, or learn more about Jumbo Junior account, visit the nearest Co-op Bank branch, or click here.

Posted in SponsoredTagged Bedouin news, Coop Bank news, Jumbo Junior Bank AccountLeave a Comment on The rich Arabic teachings and inspiration in The Tale of the Arab and the Camel

Learn how polygamous elders back in the day would handle affairs to keep love and harmony!

Posted on October 18, 2020October 21, 2020 by Kibaki Muthamia
Learn how polygamous elders back in the day would handle affairs to keep love and harmony!

Mind picture a polygamous, sprawling compound dotted with wives, in smoky huts.

The family’s pillar of strength and unity wouldn’t indulge in small talk over the family breakfast. One, there wasn’t a family breakfast – real men ate alone in their solitary huts – middle of the yard.

Two, what would be the discussion?

Kimani, how many rabbits have you caught this week?

Wanjohi, how many fights do you have to lose to Chege to prove to be a man?

No, such talk was reserved for smoky women huts. Real men dabbled in matters of survival, war, life and sustenance.

At some point every year, the man summons a meeting – outside his mystic Thingira. It wouldn’t be a comment in passing, and neither would he make the summon himself. He’d send the senior wife, and space out the meeting for a few days, perhaps even a week.

South African President Jacob Zuma marking 70th birthday flanked by his wives. (file image)

No brat in the entire household, or their mothers or resident relatives would have an excuse for missing the family AGM. What would’ve been the excuse, anyways?

“Am sorry, Ithe wa Kimani, I was with the midwife…..”

“I was nursing your youngest – 12th – son who’s got the small pox….”

Thou shall not poke a napping lion.

Come D-Day, the king of the household keeps the subjects waiting – protocols, hello.

Or, he’s snoring off a dreadful hangover from a potent herbal beer pot he’d smashed the previous night.

No one dares be late – oh, wait, the youngest (and, favorite) wife still hasn’t got the hang of affairs in this kingdom. She enjoys some enviable length of amnesty. The older wives make faces and exchange knowing smiles.

“Enjoy your youth while it lasts…..”

Presently, the king emerges. He surveys his subjects. Its bad luck to make an actual head count – but, some cursory scan instantly ticks all as present. Even toddlers are quiet – some are getting a glimpse of the great man for their first time!

The meeting is short. He knows affairs of his dynasty are presently grounded: Simmering pots need to be simmering. Mud walls and floors need to be re-walled. Millet farms need be guarded. And, wives need their time to be wives.

The kids are lined up. The oldest is appointed the de facto Prime Minister, and subsequent authority handed down in regard of age and gender. The boys naturally get aligned to livestock, and girls find grounding in the farms and their mother’s kitchens.

The boys are given goats, and young cattle. The animals are their own – to take to pasture, manage, calve, milk and all it pertains. Each nurtures a specific household. If there’s a wife without a son, the household is merged with the strongest.

Or, gets an ‘extra’ son from another house assigned to her.

The ruler of the household (it was a dynasty – not a democracy) didn’t break down the basics of finance, but it was a sustenance plan for each unit in the homestead.

It was a way to save for the future, and teach young ones the mechanics of trade, and exchange.

Fast forward to the present generation of parenting, and childhood. The basics of finance haven’t changed, just the modes of saving and instruction.

Introducing the iconic Jumbo Junior Bank Account.

Co-op Bank has a transitional account that’s teaches the financial discipline kids need to nurture a saving culture to kids. It’s designed for children below the age of 18 years, for the safe keeping of money – and, loaded with unbelievable benefits.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

Posted in SponsoredTagged Coop Bank news, Cooperative bank news, Jumbo Junior Bank AccountLeave a Comment on Learn how polygamous elders back in the day would handle affairs to keep love and harmony!

This is how kids nurture a saving culture and have fun as members of the exclusive Jumbo Junior Club

Posted on October 16, 2020 by Kibaki Muthamia
This is how kids nurture a saving culture and have fun as members of the exclusive Jumbo Junior Club

It is never too early to cultivate a savings culture in your child.

Let us make savings measurable again. Open a jumbo junior account today to start the journey of teaching your child the joy of savings and financial security.

It’s a transactional account designed for children below the age of 18 years for the safekeeping of money.

The account brings a bag of interesting goodies for the kids:

  • Automatic membership to the Jumbo Junior Club, whose members are gifted with a new, funky Ele-bank on opening a new account.
  • Jumbo Junior Club members also receive a free birthday card on the birthday anniversaries – how cool is that?
  • The account allows discounted bank cheque’s for fee payments to the child’s school. This means a little bit more savings on the long run.
  • What’s more interesting is that the Jumbo Junior bank account attracts interest payable at 3%, annually. That certainly beats interest terms for lots of other accounts.

The requirements are basic, and minimal:

  • Parent’s or the guardian’s original ID card, plus a copy.
  • The copy of the child’s birth certificate.
  • A minimum account opening, or operating balance at only Ksh. 500.00
  • A copy of the parent’s or guardian’s KRA Pin.
  • The account has a debit card on offer – optional – at an additional Ksh. 600.00 only.

The revolutionary saving and financial teaching tool for kids, The Jumbo Junior Bank Account.

To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.

The Big Bank Account….For Little People!

Posted in SponsoredTagged Coop Bank news, Jumbo Junior Bank AccountLeave a Comment on This is how kids nurture a saving culture and have fun as members of the exclusive Jumbo Junior Club
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