CJ (@CiACephas) header
CJ (@CiACephas) profile picture
Africa
Joined January 2013
How about a consideration of Privacy-by-Design and Default across business practices, DevOps and governance. From key principles; technical techniques; and the "softer" issues that are typically under-considered. JOIN ME and @TanzaniaPPA SIGN UP: lnkd.in/drxJfWC4
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Dear Salaried Professional, ☑️Invest your salary to earn passive income. ☑️Don't waste money on liabilities. ☑️Always have an emergency fund and enough savings for at least 6 months to a year. ☑️Time is finite so there's no point in being rich when you're 75+ years old. Monetize your time.
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If you are an alcoholic, plan to avoid alcohol and alcohol events for 3 months. All those so-called friends will disappear. Or get broke, or jailed, or sick, You won't see them. That should be a wake-up call to stop drinking. Alcohol is bad. No friends. Just pests.
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Golf clubs are NOT for upcoming folk, join Rotary Club, Lions Club, Red Cross, Toastmaster, Red Cross. You will find awesome networks, skills and actually help society
Ukipata 60k, sacrifice uchukue membership ya golf clubs mamae hutawahi regret networking iko huko utameet na MDs,directors,ceo s, generational wealth itakufuata
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Learn to be strict with yourself. Your time. Your resources. Your business. Your discipline. The moment you become mediocre, others will take advantage of you and mess you up. It is better to be called a bully because being afraid to say NO will cost you a lot.
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Louder omwami. Kama kuna mtu ameona izi contracts, aziweke hapa online we read for ourselves 1. Bomas 2. Affordable housing 3. SHA 4. Rironi mau summit 5. Talanta On top of the ones they promised to release 1. SGR 2. Expressway
Article 35 (1) Every citizen has the right of access to information held by the State. Article 35 (3): The State SHALL publish and publicise any important information affecting the nation. Disclosure of information is a Constitutional imperative not something left to the whims of one person. The era of secretive deals negotiated in the dark will end when we kick this current regime out and return our country back to the rule of Law.
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President Ruto & Dangote are promising Kenyans 60,000 jobs for a KSh 2.2 trillion Lamu refinery. But how many of those jobs will actually be permanent Kenyan jobs? Look at the Lekki precedent. Look at who is getting the contracts. Look at what Kenya stands to put at risk. Before we trade our sovereignty, jobs & environment, Kenyans deserve the full story. @NetoAgostinhoMP @kattoloo @dkmaraga
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Sharp boys are getting very courageous. They want campaign cash so that they can all win their parliamentary seats & they want to impress. They are keen to curve Kenya as a country of evilness beyond redemption. Witchcraft + Wash Wash + Money Laundering+ Protection from the State. The good guys need to get serious or this country will be lost to the most vile people we can Imagine. If you value this country , then start getting serious with our politics before it's too late.
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Focus on your financial wellness, •Get a job, or •Start a business •Save some money •Invest in unit trust funds •Invest in bonds and stocks •Build a positive credit score •Buy a plot or land •Borrow on the title deed •Develop the property Happy New Week 🌹
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It's not just about making money — spending is what makes making money worthwhile. 1. Spend on necessities and things necessary for sustenance. 2. Spend on your physical, mental, and spiritual health. 3. Spend on uplifting others. Help people as much as you can afford. 4. Spend on experiences that are good for your mind. 5. Spend on skills upgrade and on learning resources. 6. Spend on creating a buffer against uncertainties/emergencies.
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Paybill: 3033049 Acc No: You phone number Mmecome through sana
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Unprecedented! People are donating cash to our Sifuna for President campaign.. – at Chwele, Kenya
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The following people are still missing. We demand their release and immediate end to abductions in our country. The police and the government will be held liable for any harm on these individuals. #FreeLichuma #FreeZizou #FreeEzekiel
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If you are an observant person, A man who is keen, and concerned about his consciousness, You will realise something unusual is happening, There is a silent shift going on, We are moving from an OWNERSHIP ECONOMY to a SUBSCRIPTION ECONOMY. In a subscription economy, you own nothing, but you pay for goods and services which you consume, For example, Back in the 90s, We bought and owned music hardware like cassettes and discs, This ensured that the music hardware was yours and nobody would charge you a recurring monthly fee to play music, We owned newspapers and kept them, We bought and owned books, We owned letters written to us, We bought, and claimed ownership, But this is changing, and it is concerning, In a subscription economy, you own nothing, but you pay for it. MKOPA phones and Electric bikes are examples of how we have lost ownership of what we have bought. It will reach a time where, • You won't make a call, unless you subscribe to a calling service, on top of buying airtime, • You won't send an email unless you subscribe, or you will lose all your emails, • You won't listen to music unless you pay a monthly subscription fee for streaming, • You won't send a text or a WhatsApp message unless you subscribe to a monthly plan, or get used to annoying advertisements, • You won't cook food unless you pay for a monthly gas subscription plan or pay double for electricity, • You won't drink clean water unless you subscribe to a monthly water delivery plan. Ultimately, you won't own land or a house or a cow, You will own nothing, and you will never be happy. You will become a slave of the subscription economy. That day is coming. If you are wise, • Go to a rural area, • Own land, • Get solar, • Sink a borehole, • Keep poultry, cows, goats and sheep, • Grow your food. Don't sit in the city like sheep. Freedom will be given to those who will defeat the subscription economy. WAKE UP! #ManDay
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How does a jobless father in the village, struggling to feed his family, become a debtor on his own ancestral land? - Octopizzo
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Always ensure you operate with goals and timelines. For example, if you want to buy a house in 5 years, start saving for a down payment now. If you want to pay off debt, set a timeline and stick to it. Timelines help you achieve your goals sooner.
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Own more stocks when you’re younger. Own more bonds when you’re older. If you’re 20, consider allocating 80% to stocks and 20% to bonds. If you’re 60, consider allocating 40% to stocks and 60% to bonds. Using the "100 minus your age" rule helps guide your asset allocation.
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1. Get money 2. Convert money into assets Repeat until you achieve financial freedom.
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You cannot build your finances from the middle and expect them to hold. If you are carrying high-interest debt, jumping straight into investing ignores the pressure already working against you. Saving for a trip without an emergency fund leaves you exposed the moment something unexpected happens. Money works best when it follows order, where stability comes first, then protection, then growth. Skipping steps may feel faster in the moment, but it usually leads to setbacks that force you to start over properly anyway.
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The economy is hard for everyone right now. Customers are scared. Businesses are slowing. Payments are delaying. Survival itself is now strategy. Protect your cash flow like your life depends on it.
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KRA says it will not monitor personal M-PESA transfers, only business payments through PayBills and Till numbers. But Kenyans are right to ask: where is the line between tax compliance, privacy, and State overreach?
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