Kasarani Business Magazine Issue #001 July 2014

Kasarani

Our business is marketing yours

July 2014

“I was a Security Company driver “

Secure Digital limited, CEO

Inside:

A tour company CEO who could not raise KES 800 for House rent.

A story of a Security Company Driver who now owns a Security Company

KES 450 | UGX 13500 |Rwf 4050 | TZS 6750 | US$ 5.5

Secure Magazine Nov-Dec 2014

Securing your World

www.securemagazineltd.com Secure Magazine | Issue #1 | Page 1

After consistently working in the security industry for four years, Mr. Peter Ngare came up with the idea to produce and print a security magazine. After plenty of research and soul-searching, he realized that there was curiosity in the security industry and the need to know more on matters related to security. Secure Magazine came into being after Mr. Ngare’s strong conviction that there was an urgent and persistent need to inform, educate and empower the masses on security matters from different perspectives. Moreover, the magazine would highlight issues and give informed suggestions on what needs to be done. The content would be based on events that have took place and everything else involving security that needs to be addressed.

SML stands for Secure Magazine Limited. The word “Secure” is derived from the word security. The magazine’s slogan is “securing your world.” This was carefully selected with the view that every individual has his or her own world. It could be your workplace or where you live. Besides, everyone wants to feel secure at all times. Thus, the phrase “your security guide” was coined to notify you that you are not only having a magazine, but also a package that gives direction, a manual that guides and provides security solutions.

•

Among others, Secure Magazine will teach and inform you about:

• • • • • • • •

Security products available Modern security systems Places where they are applicable New and emerging technology Issues that are happening Case studies Articles on security of companies, products and systems Everything else concerning the security industry

Secure Magazine will also review international products, discuss upcoming issues, products, systems etc.

Security providers will have a forum and opportunity to write about the services they offer. Security companies too will get a chance to talk about their. At the same time, the magazine will feature various clients ranging from industrial, building, financial, learning, hospitality, religion, health and other sectors. This will be captured from the horse’s mouth, as they say it. Featured clients will have a chance to discuss improvements that need to be put in place, what security firms can do and have done to achieve this.

We are confident that Secure Magazine is a product that will deliver and bring forth much needed results in the security sector.

Secure Magazine | Issue #1 | Page 51

Editorial Committee Winfred Wanjiku Nicholas Kuria

Design & Layout BIC Agency

Sales and Marketing team

Amos Kamande Susan Wacu Tony Muiruri

The Kasarani Business is published monthly by BIC Agency.

P.O.Box 51202 - 00100 Nairobi, Kenya, Cell Phone: +254 723 22 10 22/ +254 739 52 84 94 3221022@gmail.com kasaranibusiness@gmail.com facebook.com/kasaranibusiness

All rights reserved.

No part of this publication may be reproduced, adapted, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission from BIC Agency.

Disclaimer

While every effort has been made to ensure the accuracy of the information contained herein, the publisher and its agents cannot be held responsible for any errors contained, or any loss incurred as a result. Articles published do not necessarily reflect the views of the publishers. The editor reserves the right to alter or cut copy. Articles submitted are deemed to have been cleared for publication.

Advertisements, inserts and company contact details are printed as provided by the advertiser. BIC Agency cannot be held responsible for the accuracy or veracity of supplied material.

Kasarani Busines’s Key Features BIC Agency publishes Kasarani Business Magazine monthly to provide the reading community with business, products and services information and links to the broader networks. It is intended to be a tool through which business information and opportunities can be disseminated to the region’s marketplace. All the back issues can be obtained upon request in digital format (PDF file) The past, current and future news briefs and activities are summarized and featured in the magazine. The magazine offers opportunity for companies, organisations and institutions in the region and beyond to highlight their products and services. Kasarani Business Magazine monitors the formation and implementation of new

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From Editors Desk

We are glad to put the July Issue of Kasarani Business magazine in your hands. It has taken the effort of the team doing the content generation and the layout. The magazine is strategically growing and we look forward to presenting you with very informative articles and news.

Kasarani Business is a valueable advertisement tool for the business people, both the SMEs and the big companies. The magazine advertisement charges are business friendly and the readership is arguably sizeable and steadily growing.

The Kasarani Business team is working round the clock to publish more detailed magazine which cover different sectors of the market. We also look forward to making the magazine more interactive, informative and entertaining to the targetted audience.

We are open to any suggestions. Please feel free to send us an email on what you feel we could do to make the magazine better one.

God bless you

Winfred Wanjiku

businesses. From the business industry, the magazine collates information on business issues and problems for the purpose of alleviating barriers to the smooth development of business.

Circulation / Target Readership: The magazine is intended for a readership within the region by persons and companies in diverse industries.

Overall, the purpose of this publication is to stimulate and help persons in business or intending to be in business with information. It is also a tool to help the business owners raise their visibility in the market. The magazine is distributed electronically through our social media, mailing list and well packaged DVDs of back issues. We are quite strategic on the social media. The minimum size circulated is 28 pages

Content <<< A Security Company CEO who was a security company driver

The story of Peter Ngare, CEO Secure Digital Limited is quite an energizing one. He rose from alarm response askari to a CEO of his own company. He has rubbed shoulders with the high and the mighty.

How I started importing lady watches with KES 25,000 >>

Kasarani

â&#x20AC;&#x153;Every youth is looking for ways they can start a small business with the least capital.

I started importing with the little I had, and made over 100% in profitâ&#x20AC;? Tony

<<<Tour Company built from nothing.

Zack Wachira, CEO, Izrael Tours & Car Hire, KENYA take us through through his case. By the time he thought of starting his company, he was throughout by the landlord because he could not raise KES 800 for house rent.

Why Small and Medium Enterprises fail>>>>> Mwaura Kamau, CEO E Pace, explains why most of the SMEs fail. Kamau is a Lecturer at KCA University.

Email us to advertise on Kasarani Business kasaranibusiness@gmail.com

Tour Company built from nothing Case of a company CEO who could not raise KES 800 for house rent.

Zack Wachira CEO Izrael Tours & Car Hire, KENYA. Products: Car Hire Airport transfers Tours and Safaris Hotel reservarion and booking Air ticketing

A self-made man is the one who comes from unpromising circumstances, who is not born into privilege and wealth, and yet by his own efforts, by pulling himself up by the bootstraps, manages to become a great success in life. Zack Wachira, the CEO Izrael tours & Car Hire, is one such guy. The moment he decided to be captain of his own destiny, he embarked on a journey that has seen him own one of the best performing Tour Company in the region. When you meet the sharply dressed CEO, you might think he has been like this all his life. When he had a chat with Nairobi Business team, he took us through his life. “A one point in life I had come to the end of the rope”, Zack quips. Izrael Tours & Car Hire is a registered company that specializes in Tours & Travel consultancy. Zack started the company in 2007. He had moved into a small house in Umoja Estate from where he started. The office work was done in his small house. The company started with a personalized car hire, then added airport transfer services and has since grown to include travel services.

With the knowledge gained in the tourism industry in providing reservations services, the staff members are well equipped to handle single travelers to group travels, both international and local. Izrael Tours has 5 permanent employed staff members and occasionally engages contracted employees depending on the seasons.

As he goes on to give us his story, Zack believes, “Although typically associated with the rags to riches story, a self-made man is anyone who attains far greater success than his original circumstances would have indicated was possible. A self-made man often has to overcome great obstacles to achieve his goals.” The CEO puts a lot of humor as he narrates how he had to be thrown out by the landlord because he could not raise KES 800 for house rent. He had been without a job for over 8 months and no one came through for him at that time. Building the company currently worth about KES 25 millions was not easy for Zack, especially in the formative stages. The greatest challenge was building the client base and capital to expand the business.

Society loves the story of a man whose success came to him largely by chanc; from an opportunity dropped from the sky. Such stories allow unsuccessful men to excuse their failure as due to unavoidable bad luck and demerit the success of others by chalking their

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Revlon ProďŹ&#x20AC;esional plaza, Mezzannine Floor Shop no.5 P.O. Box 26508-00100 Nairobi,Kenya Phone: +254 722 84 57 51/ +254 733 84 57 51 Email:info@fgee.go.ke Dealers in :Sales of Computers & Computer Accessories,Networking Equipments,Servers,CCTV Equipments and Conference Room Equipments.

Mountain Mall, Thika Road Mountain Mall is an ultramodern shopping center situated along Thika Superhighway. The imposing building sits conveniently at the exit leading to Garden and Thome estates, approximately 20 minutes drive from Nairobi’s central business district. Within Mountain Mall’s four stories is a supermarket, beauty shops, cafes, pharmacies, a medical clinic and a banking hall. As you move from the spacious and secure basement parking to the ground floor, Naivas Supermarket beckons you. The retail chain occupies three floors on the building’s left wing giving you more shopping space under one roof. Shops such as Uniq Fashions and Eldins Collections provide a variety of men, women and children wear at friendly prices. The two stores are located on the first and third floors respectively. For the beauty conscious, visit Gorgeous Looks Salon & Barber Shop for hair treatment and makeup. For the fun seeker, Maxland Bar & Lounge offers you the comfort of a restaurant, modern discotheque, rooftop bar and an amusement park for children.

Mountain Mall has different atmospheres and experiences that will indulge your senses. A 24 hour CCTV surveillance system ensures that visitors to the mall engage in their activities under a secure environment.

P. O. Box 70310 – 00600 Nairobi, Kenya website: www.mountainmall.co.ke Email: mountainmallkenya@gmail.com

Supermarket | Beauty shops | Beauty parlors | Children recreation center | Conference facility | Banking | Bar and Restaurant | Cafes

achievements up to chance. Zack doesn’t borrow from such school of thoughts. “Sadly, too many men today believe that lounging on the shore, waiting for their ship to come in, constitutes the best pathway to reaching their goals. Instead, self-made men throughout history have made their own way in life by reaching deep inside themselves and through willpower and elbow grease, creating their own destiny.” Wachira warns. “I was thrown out of the house and I had to decide I am in charge of my own life. It is there I decided I must setup my own company”.

He strongly believes that while there are always many factors to success, all are subordinate to work, which is the great key to success.

He generously point out that, the concept of personal responsibility has greatly eroded, and too many young men today believe they are the helpless victims of their circumstances. “I had borrowed from Mama Mboga until I decided I will not a victim of the circumstance anymore”, Zack recalls. His is a story of a man who refused to be satisfied with his lot in life and instead chose a different, more extraordinary path for himself. He set a course for greatness and proceeded to work without rest until his goals became a reality.

Zack believes that right relationship is key in business. He takes time to pick friends. “You must also learn to balance your life” Zack advises. He is a man who always wants to maintain a corporate look while at work and freestyle whenever he is out with friends. The born again CEO believes, “It doesn’t matter who your parents are, where you’re born, or how much education you acquire; the difference is in your character and willingness to do whatever it takes to be the best and achieve your dreams.” He believes that every season one’s life is a learning stage. There are useful trainings he has brought along to his company from Telkom Kenya where he was a senior technician. Though he started in his small rented house, with an old car from borrowed money, he currently has a fleet of about 12 vehicles. Among this are salon cars, 4*4 and tour buses. Whatever he doesn’t have, he outsources. Unlike startup days, he can now easily get financiers to expand his business. He has advanced plans to add other products in the portfolio and cover Tanzania, Uganda and Rwanda,

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A Security Company CEO who was once a Security Company Driver

E

veryoneâ&#x20AC;&#x2122;s desire is to succeed in all they do. To some, success comes easily and to others is an uphill task. The life of Peter Ngare, the CEO Secure Digital Limited, and his success is a story interesting to always hear. His life has been marked with aggression, hardwork and determination. After form four, Ngare joined Thika Technical Training Institute to take a course in electronics. He had always desired to handle electronics from his tender age. While at Thika, he was engaged in a lot of college activities and his love for electronics grew as he discovered more and more about gadgets. The fun loving Peter would on occasions organize for discos and football matches in the institution. While at TTTI, Peter decided to enroll for part time courses in computing electronics in JKUAT, Juja. After his courses both in Thika Technical and JKUAT, Peter proceeded for internship at City park electronics. This was one of the greatest moments of exposure for him as he got the opportunity to do what he always like doing. It is at the organization that he met Patrick who trained him lot in electronics repair.

He owes a lot of respect to Patrick.

After he was successfully through with internship, Ngare went to advance his course at Kenya Christian Technical Training Institute, in Nairobi. He also did a short course in computer repair and maintenance and introduction to software development from the same institution. The proximity of the institution to town saw him start partime job at Luthuli Avenue. He could go there during his free time to repair speakers and other electronics. He would later on start repairing computers at FGEE Technology.

One day he successfully setup PA system in an event and Pastor Mwangangi, a pastor with a Nairobi Church, offered to employ him to be doing repairs and Technical support in audio visual department of his church. This he did for a while and he started looking for better job after he was disappointed with the working conditions and violated terms of work. When he was contemplating on the next move, he got a job advert on one of the local daily. Security Group Africa was offering a job. He applied and secured a driverâ&#x20AC;&#x2122;s

Peter Ngare, CEO Secure Digital Limited

MAXLAND RESTRAURANT

Services: Services include: • Bar and restaurant • Butchery • Car wash • Barbershop • Conference facility

Contact: info@clubmaxland.co.ke Phone:+254 738 422 964 P.O BOX 70310-00400 Nairobi

Mr Ngare on Business Trip. On the Right Side is Matthew Hikvision Technical Manager, To the Left Side is Mr. Sean The Sales manager Hikvision.

Mr Ngare displaying the range of products he sells.

job that doubled as a guard. After a three day guard training session, he was given a vehicle, uniform and off course a rungu ready for alarm response. He worked for 24 hours and rested for 24 hours. On occasions, he would have the privilege to drive Cash in Transit vehicles. Later on, he was promoted to the position of a technical driver and started doing 12 hours shifts.

His assignment was simpler now. He would drive the technicians to the site of duty and assist them in their work.

After working in this position for a while, he decided to forward his papers to the General Manager and was given a chance to join the technical workshop within the company. He started repairing transmitters, radio call, CCTV within the company; do company lighting systems and access control. Later on, he started installations outside the company which gave him exposure. Out of the hardwork, he was promoted to technical controller. By this time, he had registered Ngareleo ElectroSystems, his first company.

would organize for a place to meet ‘serious’ clients in town since he could not bring them to his house. Any client who wanted to see his company office was taken to his friend’s shop for a meeting. For the clients who like to see “serious looking” supplier, Ngare would often drive his friend’s car to get that corporate look.

The ambitious Ngare, resigned to a better position in SecuPro Limited as a manager. The company deals with supply & installation of security products. His stay here was limited too. He registered his second company, Secure Digital Limited and then resigned from SecuPro Limited. His resignation coincided with a training organized by Security World Technology in Uganda for HIK Vision, a major security products manufacturer. He attended the training within two days of resignation.

He was trained on the security products and travelled back to Kenya. He bought a table and a chair from his saving and put them in his house. Ngare started buying a few items from Security World Technology as he started to grow his clients. He would report in his sitting room every morning. For 1 year and 4 months, Peter was aggressively marketing his company online.

His efforts eventually started to bear fruits. He was now getting “big” clients. As the client base grew, he

Later on Ngare moved from his house to CBD and later on moved to Vision Plaza on Mombasa Road.

Then one day he got a tender that saw him travel to China to source for the equipment from the manufacturer, and that was his turning point. The tender gave him enough money to buy the first company car. He is now an importer, distributor and installer of security products and solutions. The born again CEO believes that God has endowed us with unique gifts and talents. He asserts that we need work hard to realize the talents and utilize them. Peter believes in doing anything to make the ends meet. He is currently setting another company which will be publishing a security guide magazine for East Africa market. contact Secure Digital limited Vision Plaza, Mombasa Road, 2nd Floor, Suite 57 P.O.Box 55986 - 00200 Nairobi, Kenya, Tel: +254 20 2622944 / +254 20 828 994 Cell Phone: +254 727 909 060 / +254 786 909 070 / +254 721 212 967 info@securedigitallimited.com info@securedigitallimited.co.ke securedigitallimited@gmail.com www.securedigitallimited.com

Our range of services includes but is not limited to:• Wedding cards • Branding • Banners • Stationery • Promotional materials • General supplies • Diaries

Contacts For business inquiries and how we can make you shine, do not hesitate to contact us on:Email: inspiredconcept@hotmail.com Cell phone: +254 722 496 026, +254 721` 582 145 Postal address: P.O. Box 495 - 00605 Uthiru, Kenya

WHY SMALL AND MEDIUM ENTERPRISES (SMEs) FAIL

I

n the recent past there has been a tremendous increase in the number of Small and Medium Enterprises (SMEs). This can be attributed to facts such as lack of formal employment by the youths , desire to have a flexible schedule that formal employment does not offer and availability of opportunities such as the current 30% tender reservation for the youths.

Despite the rapid growth in SMEs and their major contribution in the economy through job creation and revenue generation, most SMEs don’t live to celebrate their fifth birthdays. In fact most registered business remain just ‘paper businesses’ with no real revenue to show and support its growth. The failure in such businesses is attributable to a number of factors some of which include: Lack of managerial skills by the owners All SMEs start out as small and progressively grow to become market leaders if all resources are well managed. At the start of business a lot of skills are not required but as the business expands, it becomes important to professionally manage the business. The success of SMEs can be linked to how well they are managed, if it is well managed then it will be able to control all other challenges it faces. Most business owners do not have formal education that can help them manage businesses and lack the necessary skills such communication skills and conflict resolution skills. As such they may not have a clear understanding of the environmental changes that take place and how to respond to the threats and opportunities that emerge every day.

As the business owners plan to expand their business, they should also plan on sharpening their business skills. This can be done by attending short courses, seminars and business training and surprising some of this are free.

Financial constraints Requirements on collateral and security are other restrictive policies that hinder SMEs development. The SME sector has generally been considered as risky and so most financial institutions are not willing to advance credit to SMEs unless collateral has been pledged against such credit advanced. Also most banks don’t give credit to start ups as they are not sure about the direction that such start ups would take and also most start ups lack collateral. Whereas such collateral serves as security to the financial institution, it seriously hinders SME entrepreneur fro Since most SMEs do not have retained earnings as the money they make is either spent on operation expenses or loan repayment, it becomes very hard to expand the business based on internal fund sources, obtaining credit for start-up, for expansion or working capital purposes. Most owner –managers Nairobi|16

Mwaura Kamau, CEO, Epace Consultancy.

Services:

~Strategic plan development. ~Strategic leadership training. ~Change management training. ~Conflict Resolution ~Youth Programs

don’t have other sources of income and they rely on their businesses as the only source of income to pay for their personal and family expenses. As such financial management becomes very hard. Lack of finance also hinders innovation in SMEs as there is no finances to carry out research and development and also to engage the services of professional consultants. This being the case, it becomes practically hard for SMEs, to explore new markets or improve the quality and design of the products and services that they offer to the market.

Bureaucratic government procedures Government regulations on SMEs may take different forms, it maybe regulations governing business startup, regulations governing business activity, regulations on labour practices, payroll changes, health and safety standards, taxation and foreign trade. Registration requirements and procedures , permits and licensing laws, laws and regulations on choosing business activity, form of business ,business location, choice of production process and machinery. These policies may turn out to be very restrictive and therefore hinder SME development.

Competition Competition refers to the number of other businesses offering the same line of service as a particular business.

The level of competition in an industry is determined by the attractiveness of the industry in terms of profitability and also the ease of entry into that particular industry; mainly financial investment requirement, government regulation and skills requirement. SMEs face a lot of competition from other SMEs and also large scale businesses which are well established and can take advantage of economies of scale to produce at low costs. Foreign firms also threaten SMEs by locating their production plants in the country through either Foreign Direct Investments or through licensing and joint ventures . Trade liberalization between countries also poses a great challenge to SMEs as cheaper products can be imported from the member states of a particular trade block.

Human resources management Human resources are the human capital that make it easier to run the business. They provide the skills and expertise needed for the business to run effectively.

Due to the small nature of most SMEs, it becomes very hard to attract and retain well qualified personnel to be in charge of running the business. Staff turnover is usually very high as employees seek better employment opportunities from other players in the industry. These means the management will spend a lot of resources on new employee training. Such staff turnover may confuse the customers more so in the service sector.

E-Pace Consultants is a duly registered company by the government of Kenya.

The firm comprises of professional practitioners who are fully qualified and compliant with the Governmental and professional bodies requirements. Within its operations, the firm has registered a remarkable client sign-up record, thanks to the diligence and commitment of its dedicated workforce.

Our VISION is to be the preferred partner in offering management solutions in a dynamic environment.

Our MISSION is to Deliver innovative and sustainable management solutions through excellence and commitment.

Our CORE VALUES are: • Customer focus • Honesty • Professionalism • Team work • Transparency.

E-Pace consultants offer a wide range of strategic management services and training. Our major services are: • • • • •

Strategic plan development.

Strategic leadership training.

Change management training.

Conflict Resolution Youth Programs

Contact us any time for our services P.O.BOX 45711-00100 NAIROBI Phone:+254 727 991 278 Email: mwaurakamau@gmail.com

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Social Media Strategy

Whatever the content is needed, we have a team that is able to generate Search Engine Optimized one. We create content for blog, websites, Press Release, Magazine publication and any other content the client may specify.

We create and manage social media platform for Clients. In the course of the implementation of the social media strategy, we help the client: • Clarify your business’ social media goals • Audit your current social media status • Develop your content strategy • Use analytics to track progress • Adjust your strategy as needed

Graphics & Design

Content Creation

Digital Publications

Digital Signage

We are designers and publishers of a range of magazines. Most of our magazines are distributed in electronic media to have a wider readership. We also design magazines for a range of clients.

We have a depart Digital Signage design and implementation. We have stand alone and networked solutions. We also implement remotely located solutions. Our target clients are the Shopping Malls.

Airports and high human traďŹ&#x192;c areas.

BIC Agency P.O. BOX 51202-Nairobi, Kenya +254 723 22 10 22 +254 739 52 84 94 Email: bicmarketers@gmail.com Mombasa Road, 2nd ďŹ&#x201A;oor, Suite #57

How to improve your Wi-Fi

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lmost all people who use computers require Internet access to link up to online networks or search engine listings etc. If your pc is in a fixed position then a LAN connection is normally utilized.

However, if you use a notebook, laptop and netbook then a wireless link is frequently adopted to connect to the net. Wireless WI-FI Online connections are usually slow and unreliable in particular when the wireless router is quite some distance from your computer. The WiFi transmission coming from the router will reduce in power by any kind of metals near or in between the aerial and the WI-FI receiver. Before picking a position for the router, hunt for any metal items or fabrications that may reduce the transmission. A sizable mirror is going to act as a metal object mainly because it has a silver backing.

Some users put it at the rear of or on top of a computer; do not do this since the pc includes a metal case and leaks electronic digital interference that can further interact with the transmission.You should never locate the wireless router near microwave ovens, wireless telephones, as well as other transmitters, particularly when it works at 2.4 GHz because this is the frequency employed by the

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majority of WiFi networks. In addition, while setting up the settings, opt for a different station compared to the one established as the standard. This will make sure that you are not running on the same channel as other nearby sources. When checking the configuration ensure that the transmit strength is set to maximum and the type of transmission is fixed to wireless 802-11N, 802-11G or 802-11A since this should provide the greatest distance.

If following undertaking all the suggestions above, the signal power is still too low, look at installing a Wi-Fi booster that can re-transmit the signal enhancing the distance. Alternatively, you might wish to experiment with placing aluminium foil at the rear of the antenna, such that it reflects the signal in the direction of portable computer system. This can certainly enhance the signal, but you will likely need to experiment with the curve and angle of the aluminum foil for the best outcome. Cabled LAN interconnection should always perform at 100Mbps, however 802-11A and 802-11G have a theoretical utmost performance of 54 Mbps but will almost never operate greater than 25 Mbps. The newest 802-11N mode might work at about 100Mbps yet is at the mercy of electrical interference because it fuses two stations. As electronic devices improve superfast more dependable WiFi routers may become available enabling improved network data transfer speeds than achievable from todayâ&#x20AC;&#x2122;s LAN connection. Nearly all notebook, laptop and netbook everyone want the convenience of a WI-FI network but are unhappy with the speed and stability that results. A cabled LAN connection will always produce a lot more dependable, speedier internet connection. Itâ&#x20AC;&#x2122;s not always too crucial if you are just using online communities and emails however, if you intend to look at streaming videos then a wired LAN connection will be necessary.

Eat a lot of Fruits!

against disease, lower rates of heart disease, stroke and high blood pressure. However, eating fruit carelessly without any nutritional knowledge could bring on more problems to our health than benefits. Here is the major rule about eating fruit: Fruit should be eaten alone or with other fruit on an empty stomach.

T

here’s no doubt that eating fruit is important to our overall health and wellbeing. Fruit is healthy for you, we all know that, but, it’s good to know that eating it should follow some general guidelines to fully benefit our health. It’s just not as simple as putting it into our mouths whenever we feel like it. Learn about the proper ways to eat fruit and your whole body will thank you with less digestive

problems energy.

and

tons

more

Incorporating fruit into our diet, the proper way, gives our digestive system more powerful benefits through vitamin intake and improved digestion.

Looking at the nutrition of fruit, most fruits are a great source of fiber, potassium, vitamin C and folate and so much more.

Their nutrients help guard

This is because when fruit is eaten, the digestive process works very quickly and our body uses different enzymes to digest the fruit. The simple sugars contained in fruit need time to be completely absorbed by your body. When fruits are eaten alone, your stomach can more easily process all of the nutrients, fibre and the simple sugars contained in the fruit. This is the optimal ‘proper way’ to benefit from the fruit you eat. If you eat fruit close to a meal, especially right after a larger meal and combine with other foods, it’s held in the stomach too long along with other foods and

will rot and ferment in the gut.

If you experience indigestion, heartburn, burping and and other digestive discomforts and you blame on the meal - it could be the combination of the food, the fermentation with fruit that causes your upset stomach. If left uncontrolled it could lead to other health problems that stem from the digestive tract.

Applying this rule is very simple.

We eat approximately 3 large meals a day, so space out your fruit servings in between. If this means you need to glance at the clock occasionally and calculate when you could eat the apple you brought along with you, then you do that. And aim to have it about 1 hour before a meal, or 2 hours after your meal.

For heavier meals, like pasta or burgers, you need to let that food digest for even longer before you add fruit with all its acid into your stomach, about 3-4 hours. If you’ve just had a mixed green salad for lunch, same rules apply but for a much shorter time, about 1.5 hours.

VICOVER GREEN GROCERIES KASARANI

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Fresh Fruits, Vegetables and Cereals

The 7 Top Ways Millionaires Become Wealthy There are 7 common factors to those who build net fortunes of one million dollars or more. In America, there has never been more personal wealth than there is today; yet most American’s are not wealthy. Amazingly, a mere 3.5% of our households own almost onehalf of the wealth in the United States! Although we may be hard working, educated, moderate to highincome earners, why are so few of us affluent?

In studying the affluent, I found a pattern that the wealthy follow. It is more often the result of planning, hard work, perseverance, and self-discipline that determines who become wealthy. The factors compiled here are summarized from the research done by Thomas Stanley Ph.D. on over 1,100 actual millionaires (many are multi-millionaires) in the U.S. today.

You can do these!

1) Live Well Below Your Means Don’t be fooled. The ‘average’ millionaire doesn’t look like a millionaire! The key word here is frugal, frugal, and frugal. The typical person is America is a consumptionist. It’s in our blood. We work hard, make money, and spend it well. Not the typical millionaire! They play great defense (saving and investing) as well as Nairobi|22

offense (making money). Just like in football - great offense is exciting...but great defense wins games.

An interesting note: Millionaires on average claimed their spouses were as frugal or more than they were.

It’s a family affair: Sacrifice high consumption today, for financial freedom tomorrow.

2) Spend Your Time, Energy, and Money in Ways that Build Wealth.

Although the road to Millionaire’s Ville takes a frugal path, they pay well for training and advice. Do investment planning. Go to seminars. Hire good attorneys, tax accountants, mentors and coaches. Learn to identify and invest in assets that produce income.

The wealthy spend money when the investment will protect and grow their assets. Millionaires also know the details: How much is spent each month and on food, clothing, and shelter. The non-wealthy say they don’t have time to plan, while the wealthy make time to plan. But here’s the shocker: The average millionaire spends 8.5 hours per month planning, while the non-affluent spend 4.5 hours or less planning. How can 4 more hours per week impact your future? Make it happen and the odds are in your

favor of joining the truly wealthy!

6) Become Proficient in Targeting Market Opportunities Find your niche, like the wealthy do. Follow where the money flows, and look for specialized opportunities. Why not target the wealthy themselves? Yes, they are frugal, especially first generation self-made wealthy. BUT...they spend openly on investing in themselves and their families. Investment advice and services, business training, software, tax advice, legal, medical, dental, health, real estate, and education are top priorities. They pay well for products and services that protect and grow their assets. Remember the majority of the wealthy are self-employed entrepreneurs, followed by medical professionals and business executives.

3) Choose Financial Independence over Displaying High Social Status The wealthy run highly efficient operations both in business and at home. Most live in average neighborhoods, and drive average cars. They’re not interested in keeping up with the Jones’ - because the Jones’ aren’t financially free. It takes lots of energy to consume big mortgages, change homes every few years, buy the most recent model cars, and wear the latest fashions. The wealthy drive typically American made cars! Japanese cars come in 2nd place; half of these are Toyota Camrys. Yes, significant value per dollar is the key here. The Millionaire’s Motto: You aren’t what you drive. The status cars - Lexus, BMW’s, Mercedes? At 7) Choose the Right Occupation 6.4% or less per each brand.

You now have a good idea of what the affluent do.

20% are retirees. Of the remaining 80%, most of 4) Don’t Accept Economic Support from Your Par- these are self-made businessmen and women. Keep ents once Outside the Home in mind that entrepreneurs are 4 times more likely Sounds painful don’t it? It’s a fact that has taught to become millionaires than those who work for the wealthy how to earn, keep, and invest money. others. There is no one business or group of business Parents of the wealthy do not, or cannot, provide more likely to breed millionaire-hood. Some are lec“economic outpatient care”. The results are clear: turers, others medical professionals, farmers, small The more dollars the adult children receive, the manufacturers, and corner mom and pop stores. fewer they accumulate. Those who are given less are The most important predictor is the characteristics motivated to accumulate more on their own merits. of the owner, than the type of business. It’s the winAn amazing fact: 80% of millionaires are first gen- ning combination of skills and attitude that hit’s the eration millionaires; they have made their money on wealth target. their own, in their lifetime. Many of these folks have NOTE: The affluent attribute being honest with all been immigrants to the U.S., starting out with mini- people as the most important characteristic in their mal cash on hand. Work hard to learn and generate businesses, tied with being well disciplined. The vast wealth-it CAN be done, and happens in America ev- majority of the wealthy were not stellar students, or ery day. born into money. They have made it through following a few simple principles and being consistent.

5) Teach your children to be economically self-sufficient to foster a “Wealth Mind-Set” About the Author - The 7 Top Ways Millionaires BeProvide your children fish and they will eat for a day. come Wealthy. Steven has writing and teaching othTeach them to fish and they will eat for a lifetime. ers on the special topics of wealth, health, and huAs you might guess, children who grew up to be af- man potential. fluent, who had affluent parents, were taught to be disciplined and intentional with their money. Robert Kiyosaki, author of Rich Dad Poor Dad, didn’t cave in when his son asked for a car at 16 years old, even when the neighbor kids were being given cars by their parents. He gave his son $3000, and a subscription to the Wall Street Journal, and a few books on investing in the stock market. Now Rich Dad’s son watches more CNN than MTV. He has the motivation, and is getting an education that will provide him for a lifetime, well beyond his first car purchase.

Nairobi|24

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done, then agent packed confirm the exact count of the watches and noted the weight. When you ship by air, you are charged based on weight as opposed to shipping by sea where you are charged by volume.

How I started importing lady watches with KES 25,000 capital It is the dream of everyone to be involved in something profitable. Unfortunately, it doesn’t happen to many.

There are so many youths who are struggling with life and they don’t know how to stay afloat. There are so many of them who are interested in starting a business but the challenge is how to raise the capital that is needed. A few of them don’t know the way out.

They can’t raise capital, they can get loan simply because they have no collaterals. It is my believe that people, especially the youth, can begin small and grow.

I was in such a situation but I kept on thing what I could with capital as little as KES Nairobi|26

20,000. I started searching online what I could get from China. I would very much encourage the youth to embrace the use of internet especially to understand how other parts of the world work.

There is quite much we can learn online. I started going through websites in China because I wanted to see what I could buy there and sell here in Kenya. I was looking for electronics, unique gadgets and beauty accessories. I went to alibaba and whatever good and interesting I would put in the favorite folder and then later classify then into different categories. I then settled on some interest-

ing lady watches that has long strips that goes round three times.

After settling on the watches that were going $2.1 per piece, I went ahead to check what would be the way to ship the watches atleast 100 that was the sellers minimum order quantity. It was then only made sense to me that I should ship by air. I exactly can’t remember what was the weight of the small package but I remember I paid KES 3400 for the shipping of the luggage. Then I checked around and I got a reference of a Kenyan guy in China whom I could pay purchasing fee of 4% of the total invoice cost or $50, whatever would be higher.

So I paid $50 dollar. I gave him the reference of the company I had identified and wanted him to confirm the company existed. After all was well confirmed, I sent the money for purchase $230 and added $50 purchases fee for the agent.

After the purchase was

After 7 days I was called by the shipping agent in Nairobi to pick my package in the Nairobi office. The whole cost of 100 watches was KES 24980 already in Nairobi. That translated to KES about 250 per watch.

Well, that is how I got myself into watch business.

Before the watches were shipped, I started marketing them online on the social media since I had the photos. I was selling them for KES 750 per watch for 5 pieces minimum wholesale and KES 1000 per pieces. By the time the watches were in Nairobi, I had enough orders to cover the invested capital. Since I was working in an office in employment, I was marketing on the social media and I had a casual worker deliver in town for a fee. For the clients out of Nairobi, I would arrange for courier services for delivery.

I strongly believe that anyone can start with as little money as they have and grow from that. Since then, I have been imported other things too. It is possible for the young to start import business.

Author of the Article: Tony M tonyblessmarked@gmail.com

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By Jack Daly

Jack Daly (pictured above) is an expert in sales and sales management inspiring audiences to take action in customer loyalty and personal motivation.

He delivers explosive keynote and general session presentations.

Jack has 20 plus years of field proven experience from a starting base with the CPA firm Arthur Andersen to the CEO level of several national companies.

W

e can’t expect different behavior than what we offer as an example. “We are the message” in our companies.

Business leaders today must develop ways to thrive during times of constant change. Below are ten specific actions designed to gain peak performances from our most important resource- our employees.

Never before have we seen companies put so much pressure on their employees to work long and hard. John Hinrichs, president of the consulting firm Management Decision Systems, observes that “10 or 15 years ago we used to talk about job enrichment. Now we talk about job engorgement.” Reasons for this stress-inducing tendency include: • Corporate restructurings which have wiped out layers of managers without reducing the amount of work they used to do; • New technologies - which eventually will lessen the need for supervision - currently are causing tough transitions for managers and employees; • Increased competition coming from both large, efficient players and niche opportunists. Our challenge as leader/mentors is two-fold. First we must energize our associates so they can optimize their performance now.

Secondly, we need to maintain balance and perspective in our own lives in order to have a proper working relaNairobi|28

tionship with our associates. YOU ARE THE MESSAGE Communication is based more on action than on words.

If we come in Monday morning out of sorts, walk straight to our office without saying “hello” to anyone, and then shut the door - in what manner will our associates answer the phone that morning? We can’t expect different behavior than what we offer as an example. “We are the message” in our companies. Here are the ten things to think about, and then proactively implement. If you think some of these ten “energizers” need to come from the top of your organization to be successful, we remind you that leaders start where they are. Do these on your own, and then see what happens around you.

1 - Energizers set direction for their units by writing quarterly mission statements. As part of this process, the team commits to established values. Enthusiasm is generated within departments as they formulate their shared missions. Revising those statements quarterly rekindles that energy and commitment, while also providing an opportunity for each person to develop appropriate short-term goals. Planning’s value is in the process, more than in the plan itself. Once your associates have “bought in” to your shared mission, you’re on your way to success!

2 - Energizers truly listen and thus are plugged in to reality. They are both open and inquisitive, and their search for ideas is never-ending and boundless. Useful suggestions come from competitors, suppliers, customers, front-line associates, trade groups, and your own mentors. Don’t assume that listening is one of the things you do best. Our booked calendars, busy travel schedules and constant phone calls don’t help us become better listeners. And as an opportune occasion for listening occurs, too often we are talking. So ask yourself, “How much time did I spend truly listening?” Good listeners practice “zero-based thinking,” which requires that we forget the way we’ve always done things, and instead look at situa-

tions in new light. One way to judge how much we value input is to figure the amount of time we spend in our offices, sitting safely behind our own desks. But energy new ideas emanate from where things are happening.

Most of us thus need to spend more time in the field. You can start this process by talking with your customers, and then acting on their suggestions.

3 - Philosopher John Gardner refers to what he terms “tough-minded optimism.” Energizers possess such a spirit, which combines hope and realism as the driving forces in building a business. Again, focusing on customer needs helps make this happen. A leader is more interested in serving his customer than in worrying about what the board of directors will think. “If it’s meant to be, it’s up to me” is the rallying cry for energizers who nevertheless remain prudent and balanced. They are neither foolish dreamers nor impassioned extremists. Instead, leaders are positive cheerleaders who each day provides a message of optimism for those they work with.

4 - Energizers are forever thinking about and articulating their company mission and values. At least once a year give a speech reinforcing what you and the company stands for. Nearly every successful Jack Daly * 23 Calle Pacifica, San Clemente, California, 90720 * 888-298-6868 * www.jackdaly.net leader relates the concern of repeating the same message too often. Yet his or her supporting team usually feels they can’t hear such a message often enough. Providing an over-all mission statement helps each unit to construct its own specific mission. Studies have shown that 74 percent of employees rank information sharing as very important, whereas only half of all executives felt this was what their associates wanted.

5 - Where procedure manuals give rules, company stories offer morals. “Storytelling’s power is timeless,” says author Tom Peters. “The marketplace is demanding that we burn the policy manuals and knock off the incessant memo writing; there’s just no time. It also demands we empower everyone to constantly take initiatives. It turns out stories are a - if not, the - leadership answer to both issues.” Stories which in a simple manner describe “who we are and what we do” influence thinking and action more than procedure manuals do Storytelling is one of the oldest forms of communication, and the energizer turns it into a powerhouse management tool which works in both large and small companies.

6 - Energizers are bureaucracy busters. “It’s no wonder we manage our way to economic decline,” says Stanley Davis. “Our managerial modes don’t suit today’s business.

We are still using the model GM founder Alfred Sloan developed for organizing corporate America back in the Twenties. As a result we have industrially-modeled organizations running post-industrial businesses.” Energizers know the value of the motto, “If it’s not broke, break it.”

They work outside normal rules, and thus stand out in the eyes of customers and their own associates. By unleashNairobi|30

ing your creativity, you can spark the energy within your organization. Even simple changes can mean a great deal to your unit or company.

7- Great benefits can be found in delegating without abdicating. Remain accountable for your group, but don’t allow a decision to be made at a higher level in the organization than it needs to be. Your associates know the daily specifics of their jobs better than you do. Foster an environment in which they design their function in a framework consistent with the company mission and values.

8 - Energizers understand the Pygmalion Effect. People usually accomplish what they believe they are expected to do. If we have high expectations as leader / mentors, our associates probably will show excellent productivity. Ambitious expectations are built by energizers who believe in their own abilities to train and motivate their associates. Simply being demanding is insufficient. Your associates actually will rise to the level of your trust, or fall to the level of your mistrust.

9 - Energizing and leading people are more powerful than managing a process. By building trust with associates and customers, a leader / mentor puts together the team described in his or her mission statement. Effective leaders usually are appreciated for their interpersonal skills, rather than for their managerial abilities. People care more about what’s in a manger’s heart than about what is in his or her head.

10- An energizer surrounds himself with associates who are positive and realistic, rather than negative. A “can-do” attitude characterizes the energized leader / mentor it is seen in the unwillingness to take “no” or “it’s never been done before” for an answer. To make this possible, an energizer’s mission statement should include minimum production standards and continual training of staff. You also should spend most of your time assisting your best producers, rather than motivating and supervising marginal performers. Good recruiting practices are the basis of a productive office. In addition, consider hiring an administrator to handle your routine paperwork, so that most of your efforts can be given to increasing production. The characteristic of energizers which moves organizations to their highest levels of performance is that of a dreamer. Fred Smith’s college term paper was graded “impractical” - but he used it as the basis for building Federal Express. Steven Jobs acted on his dream of having personal computers in every home and classroom. Energizers mange their dreams; and each of us has a like capacity with regard to our business. If we resist change, we will only fall further behind. If we merely go along with change, then we will just keep pace with it. But if we create change, we will be the ones who lead it.

Beyond the Grace Fellowship facebook.com/beyondthegracefellowship twitter.com/beyondthegrace

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Focus On Relationships And Multiply Opportunity, BY DAN SULLIVAN, Strategic Coaching.

80 percent of your income comes from 20 percent of your customers, while 80 percent generate only 20 percent of your income. Ironically, those 80 percent who provide so little also dominate 80 percent of your time. A small core of your client base represents the kind of people you want to work with in the future as you grow. One approach that’s worked well for entrepreneurs in the Strategic Coach program is zeroing in on that core—the top 20 of their very best relationships, those current clients or prospects who truly appreciate what they do and are willing to reward them for it. These are the people who won’t just use you as a source of free information or as a provider of commodities; they’ll value you for your wisdom, and see you as a partner in making some important part of their life better or easier.

So once you’ve identified your top 20, you can systematically find ways to delegate or download all the other relationships, freeing yourself up to devote focused time and attention where it will be best rewarded. Whatever income might be lost initially will be soon replaced many times over by the remaining, more valuable, more profitable clients. Many entrepreneurs are just one relationship or 20 away from an incredibly great opportunity, but they have to be willing to focus their attention on maximizing their best relationships to get there. These are the clients, customers, prospects, connections, suppliers, centers of influence, and strategic partners who will respect your efforts, reward you for them, and refer you to other people like them. Another very important set of relationships we encourage entrepreneurs to invest in are the ones they have with their spouse and family.

At the outset, these are the most important — the ones we actually stand up in public and commit to.

Yet with all the demands of running a business, it’s all too easy to let these slip into the background.

Focusing and restricting your time and attention with clients has the strategic byproduct of giving Nairobi|34

you more time to spend on the personal relationships that bring some of life’s greatest rewards.

Many people who own and run a business think they have to choose among their relationships, and in a sense they’re right: You have to choose to have good quality relationships—in every aspect of life. The old saying goes, “Time equals money,” but this is not true. Time has never written you a single check. Rather, relationships equal money.

All the checks you’ve received and all the new opportunities you’ve been offered have been because of the relationships you’ve developed.

Adopted from; How to get to the top and remain there by Dan Sullivan.

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Spiritual Corner

Jesus now a High Priest based on an Indestructible Life

Pastor Joseph Munene, Overcomers Hope Ministry

“And what we have said is even more clear if another priest like Melchizedek appears, one who has become a priest not on the basis of a regulation as to his ancestry but on the basis of the power of an indestructible life. For it is declared: “You are a priest forever, in the order of Melchizedek” (Hebrews 7:15-17) The Levitical priesthood was a lifetime position.

Once a person became High Priest this position was retained until death (Numbers 35:25). However, each time the priest died a new priest would be appointed, so in another sense you might say Nairobi|36

this priesthood never had any permanence, death always interrupted it.

Jesus’ priesthood greatly contrasts this because death could not hold him captive and therefore the grave did not interrupt His appointment as High Priest. His resurrection from the dead solidified this position permanently.

“For we know that since Christ was raised from the dead, he cannot die again; death no longer has mastery over him” (Romans 6:9).

Since the priesthood is a lifetime position, Jesus’

resurrection guarantees that He eternally holds this position. “Now there have been many of those priests, since death prevented them from continuing in office; but because Jesus lives forever, he has a permanent priesthood.

Therefore he is able to save completely those who come to God through him, because he always lives to intercede for them” ( Hebrews 7:23-25 ).

This is good news for us because it means the sacrifice made for sin worked, the first and only time it was given. In other words the payment for sin completely wiped out and nullified the debt that sin created. Which is why death had no power to hold Jesus captive, the account had been settled and closed, permanently. And if the power of sin and death had no claim to Jesus after He died, it also means that it can hold no power over Him while he’s alive.

Therefore we know that Christ will live eternally. In the same way the power of sin is also broken over us who put saving faith in Jesus (Hebrews 7:24, Hebrews 9:12, Hebrews 9:14, Hebrews 10:10, Hebrews 10:14, Hebrews 10:18).

“For this reason Christ is the mediator of a new covenant, that those who are called may receive the promised eternal inheri-

tance—now that he has died as a ransom to set them free from the sins committed under the first covenant” ( Hebrews 9:15 ).

All of this becomes clear when we understand that Jesus is after a completely different line than what was established through the Levitical priesthood.

The book of Hebrews records four times that Jesus became our High Priest fashioned after the order and with the rank of Melchizedek ( Hebrews 5:10, Hebrews 7:11, Hebrews 7:15, Hebrews 7:21 ). This is extremely significant because Melchizedek had no record of beginning or end. The beginning of Hebrews 7 records “like the Son of God he remains a priest forever” (Hebrews 7:3). It had nothing to do with ancestry but everything to do with the power required to sustain life indefinitely. Jesus holds this power which is why there has been a change in priesthood (Hebrews 7:11) and subsequently a change in the law (Hebrews 7:12).

Pastor Susan & Joseph Munene Departments: Men’s Fellowship Women Fellowship Youth Church Teen’s Church Sunday School

Sunday 1st Service 9.00-11.00am Sunday 2nd Service 11.00am-1.30 pm Wednesday Word Digest 7.00-8.30pm Friday Holy Communion 7.00-8.30pm Friday overnight prayers 10.00pm-5.00am

Seasons Stage, off Kasarani-Mwiki Road, Warren Avenue Phone: +254 722 47 49 92 or +254 707 12 63 64 Email: overcomershopeministries@ymail.com facebook.com/overcomershopeministries

How to behave in the event of a fire: Preparedness tips

E

very year, fires destroy property worth millions of shillings. In worst case scenarios, fire disasters cause death. In majority of fatalities, victims succumb to the effect of smoke and harmful gases emitted by burning objects. Home fires are quite common in the crowded residential areas.

Normally, this is as a result of illegal power connections that are rampant in slums. Carelessness and human error also contributes to house fires. Business premises are no exception. Majority of these cases can be avoided if people were more careful. Here are useful tips on how to behave in the event of a fire:

Raise an alarm Most buildings are fitted with fire alarm systems. Quickly locate the nearest one and trigger the alarm. If you cannot find any, persistent shouts of “fire!” will help alert other people. Soon as you have done this, do not go towards the direction where you see smoke coming from. Find your way out of the building. Notify the fire brigade immediately. Do not assume that other people noticed the fire before you and called the fire brigade.

Call them if you can. It is also Preparation advisable to notify the police It is important that you familiarize and ambulance crews. yourself with your surroundings. Make sure you understand the layout of Leave the building the building you work in. This is easy If you find the building you considering that you go to work in the work in is on fire, do not try to same building every day. Always be regain entry. Simply walk away aware of where the fire exits are and and proceed to the designated how to get to them in the event of an fire assembly point. Never try emergency. Most people use lifts to to go back for your personal get to their offices. This is okay and belongings. Doing so could put convenient especially if you happen to your life and that of others in work in an office situated several floors jeopardy. This is because, while up. Nonetheless, in a fire situation, you everyone else is in a hurry to realize that you cannot use lifts. Also, leave and save their souls, you thick smoke can lead to reduced visibility. could cause panic and confusion You may have to crawl in order to safely if you try to go in the opposite escape. Your knowledge of where the direction. Besides, you risk exits are located will come in handy. inhaling toxic fumes or being trapped inside the building.

Avoid using the lifts Never attempt to fight fires unless they are small and Never try using the elevators whenever a you have been trained on fire building you are in catches fire. Instead, fighting skills. If a fire appears walk to an exit and use the stairs. There big enough, activate the alarm, are many risks associated with elevators. leave the building and notify You might get stuck and suffocate in fire emergency personnel. there. It is best you avoid them and take Always wait until the fire has the stairs. been contained, your building inspected and declared before making your way back.

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