Insight Consumer Magazine Edition 02 by INSIGHT PUBLICATIONS

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Enlightening You

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Edition 02 | AUGUST - OCTOBER, 2015

Shoppers Trends >> Shopping Etiquette >> Who Shops Where >> Home Furniture >> Health Insight

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CONTENT Consumer Magazine Launch

Healthy Sleeping

Who Shops Where For What

Prepearation for Success at a Job Interview

Power Your Health With A Dose Of Fruits

Online Shopping Tips

Colour, Drop & Win

Published by: Insight Publication Birdi Centre, Mombasa Road P.O. Box 36106 Nairobi 00200 T. +254 (0) 735 / 725 - 350 690 e. consumer@insightpublication.org www.insightpublication.org

Editorial team Titus Korir - Chief Editor Maureen Musila - Editor

Contributors Emmanuel Mutuma Robinson Murage Elizabeth Mbugua

Advertising Joel Osebe James Nzioka

Design & Layout Smartex Creative Graffix Tel: 0721 496 922

ÂŠ2015 Insight Consumer. All material is strictly copyright andall rights were reserved. Reproduction in whole or in part without the written permission of Insight Consumer is strictly forbidden. The greatest care has been taken to ensure the accuracy of information in this magazine at the time of going to press, but we accept no responsibility for omissions or errors. The views expressed in the magazine are not necessarily those of Insight Consumer or Insight Publications.

INSIGHT CONSUMER | EDITION 02 AUGUST - OCTOBER 2015

EDITORIAL

Editor’s Note Dear Reader,

ugust is here, it is with great pleasure that I welcome you to the second edition of the Insight Consumer magazine. This is a quarterly publication that seeks to give guidance to the reader on issues pertaining consumer brands and services, healthcare, education, property management, finance and insurance. The publication is distributed freely to readers – Shoppers / Consumers through various dropping points in selected retail stores within Nairobi and adjacent town. An online platform is available from the portal: www.insightpublication.org Esteemed suppliers and solution providers are welcome to engage this platform to further build their brands and position themselves on a competitive edge among their peers. We believe that the magazine will be a useful tool in enabling you to expand your reach. Finally, I would like to extend our gratitude to all those who through their efforts have tirelessly been with us in making this project a success. As we pursue to improving the magazine and making it better for our readers’ we welcome feedback on consumer@insightpublication.org or you can fill in the feedback form, and drop it at your nearest dropping points. Happy Reading! Titus Korir,

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INSIGHT CONSUMER MAGAZINE LAUNCH

ith the complexity of the current retail market, consumers are at times confronted with a myriad of challenges while deciding on what product or service to buy. This is due to bombardment of information on products and services through various mediums that can sometimes be unreliable. It is for these reasons that, the Insight Consumer magazine was launched, to give more insight to the consumer about brands to ensure that one makes an informed decision while procuring for a product or service.

The quarterly publication was launched on 15th May 2015 at a colorful ceremony held at the Ole Sereni Hotel, Nairobi where a number of guests from the retail industry were present. Among key areas where the magazine seeks to address include: consumer brands, education, property management, healthcare, finance and insurance among other.

INSIGHT CONSUMER | EDITION 02 AUGUST - OCTOBER 2015

SLEEPING HEALTHY

leep is the mysterious shift in consciousness that our bodies require every day. It is not exactly a time when your body and brain shuts off. While you rest, your brain stays busy, overseeing a wide variety of biological maintenance that keeps your body running in top condition, preparing you for the day ahead. It is important to find a sleep strategy that works best for you. This will improve the quality of your rest and well-being. The secret to getting a good sleep every night is to find something that works for you. • Create a relaxing bed time routine. Go to bed at the same time every night. Choose a time when you normally feel tired, so that you don’t toss and turn. A peaceful bedtime routine sends a powerful signal to your brain that it’s time to wind down and let go of the day’s stresses. • Make your bedroom more sleep friendly. Make sure your bed is comfortable and you have enough room to sleep and turn with ease. Your mattress should be comfortable enough to save you from back aches and sores. It is advisable to flip your mattress once in a while, to move from the compressed area that

you usually sleep in and also, to dust off the mattress. Avoid using light bulbs; you can instead opt for bulbs with lighter watts. Noise in the bedroom should be on the low this is because when you sleep, your brain continues to pick up sounds and this could interfere with your slumber. Most people prefer sleeping in slightly cool rooms. Bedroom temperatures should however not be too high or too cool. • Eating right at night is another key determinant of how well you will sleep. Avoid heavy, rich foods within two hours of bed. Fatty foods take a lot of work for your stomach to digest and may keep you up. Also be cautious when it comes to spicy or acidic foods in the evening, as they can cause stomach trouble and heartburn. To some, alcohol reduces your sleep quality, thereby waking you up late into the night. Be aware that caffeine also causes insomnia. • Manage your anxiety and stress level. The day’s event could harm your sleep pattern and cause you to turn and toss in bed before you finally get to sleep. If this happens, you can indulge in an easy activity that could help you unwind like reading a book, watching television among others. • However it is vital to note that you

INSIGHT CONSUMER | EDITION 02 AUGUST - OCTOBER 2015

should limit yourself while doing this or you might end up exhausting the whole night trying to catch some sleep. Avoiding naps in the afternoon could also help especially if you have trouble finding sleep. • Postpone worrying and brainstorming. If you wake during the night feeling anxious about something, make a brief note of it on paper and postpone worrying about it until the next day when you are fresh and it will be easier to resolve. Similarly, if a brainstorm or great idea is keeping you awake, make a note of it on paper and fall back to sleep knowing you’ll be much more productive and creative after a good night’s rest. If you are still finding trouble to sleep, even after the tips, it may be time to seek your doctors attention. Sleep plays a major role in the way we think and learn. Lack of sleep hurts these cognitive processes in many ways. First, it impairs attention, alertness, concentration, reasoning, and problem solving. “It is a common experience that a problem difficult at night is resolved in the morning after the committee of sleep has worked on it - John Steinbeck.

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your passions; your passions you.” on themselves. You don’t choose to forcechoose an interest ‘Am IAmazon.com, doing whatyour I am most passionate I always Jeff Bezos, Founder & CEO CRACKING passions; yourabout?’ passions chooseask you.” CUSTOMER myself this question every single day I wake up. & CEO Jeff Bezos, Amazon.com, Founder LOYALTY ‘Am I doing what I am most passionate about?’ I always ask CRACKING CUSTOMER have written forI doing Insight Retail frequently, purely myself this question every single day I am wake up.passionate ‘Am what most about?’ I always ask LOYALTY from an external point as every someone who myselfview this question single dayisI wake up. absolutely passionate about the retail industry where have written for Insight Retail frequently, purely love to shareview my thoughts ideas towho the other from Ian external asand someone is frequently, purely havepoint written for Insight Retail avid readers of this magazine. Up and till now, I was not absolutely passionatefrom aboutan theexternal retail industry where view point as someone who is actively involved in the retail industry directly. But that I love to share my thoughts and ideas to the other has now changed. absolutely passionate about the retail industry where avid readers of this magazine. and now, I was not love Up towe share my As human beings, IIbelieve all till have athoughts purpose inand life.ideas to the other actively involved in defines the industry that avidretail readers thisdirectly. magazine. Up and till now, I was not A destiny that who weofare, what we But do and who has now in the retail‘Iindustry wechanged. become. Myactively personalinvolved life purpose is that, exist in directly. But that As human wechanged. all a purpose in life.my now orderbeings, to makeI believe ahas difference to have the lives of my family, A destiny thatmy defines who we are, whatI we do and As human beings, believe we who all have a purpose in life. people, customers and my suppliers.’ we become. My personal life purpose is that, ‘I we exist in what we do and who A destiny that defines who are, order to a difference to the My lives oflooking my family, my Formake a very longwe time, I have been at the retail is that, ‘I exist in become. personal life purpose people,business my customers and my suppliers.’ modelorder in order to fulfil my life’stopurpose. to make a difference the livesI of my family, my believe there is people, no greater to touch andmy impact the myway customers and suppliers.’ so many onelooking go. Retail myretail passion For a lives very of long time, Ipeople have at been at isthe andmodel I will use desire to create atime, ‘Revolution in Retail.’ business inthis order fulfil my life’sI have purpose. I looking at the retail For a to very long been is my destiny. believeThis there is no greater waymodel to touch impact the my life’s purpose. I business in and order to fulfil lives of so many people at one go.isRetail is my way passion believe there no greater to touch and impact the I amuse therefore delighted say that my new company and I will this desire toof create a ‘Revolution Retail.’ lives sotomany people atinone go. Retail is my passion Stores has launched its first retail store in Kenya This isSociety my destiny. and I will use this desire to create a ‘Revolution in Retail.’ through the acquisition of Leens Supermarket located in is my Thika. This willThis be the firstdestiny. of many outlets to come as I am therefore delighted to say that my new company we look to position ourselves as one of the ‘Best Retailers SocietyinStores has launched its first retail store to in say Kenya I am therefore delighted that my new company Africa.’ through the acquisition of Leens Supermarket located in retail store in Kenya Society Stores has launched its first Thika.This Thishas willbeen be the first ofthe many outlets to Leens come acquisition Supermarket located in athrough lifelong dream that has of come trueas and we look to position ourselves as one ofbe thethe ‘Best Retailers Thika. This will first of many I look forward to sharing my journey with you as weoutlets to come as in Africa.’ weisn’t look to about position as oneand of the ‘Best Retailers grow. To me retail just theourselves huge turnovers in Africa.’ profit margins that one can make. It is beyond that. It is This has been a lifelong that has that comehas true about focusing on adream business model theand ability I look to forward to influence sharing my journey with you as we positively thebeen lives of millions of people whohas come true and This has a lifelong dream that everyday shop theabout retailthe outlets, the thousands of with you as we grow. To me retail isn’t just huge turnovers Iinlook forward to sharing my and journey jobs that that are created this industry directly profit margins one canby make. It is beyond isand grow. To me retail isn’tboth justthat. aboutItthe huge turnovers and anda finally business on which suppliers can about indirectly focusing on business modelthat that hascan the abilityIt profit amargins one make. is beyond that. It is thrive and also grow businesses. to positively influence the their lives of millions of peoplemodel who that has the ability about focusing on a business everyday shop in the retail outlets, the thousands to positively influence the lives ofof millions of people who Retail change entire landscape a country. That the thousands of jobs that arecan created bythe this industry and everyday shop inboth theofdirectly retail outlets, is my vision, mya wish and my which hope that this business indirectly and finally business suppliers can jobs that areoncreated by this industry both directly and thegrow starttheir of something amazing that has a huge thrivecan andbe also businesses. indirectly and finally a business on which suppliers can impact on our Society. It is about leaving a legacy behind. thrive and also grow their businesses. Retail can change the entire landscape of a country. That is my vision, my wish andcan mychange hope that this business Retail the entire landscape of a country. That INSIGHT RETAIL | ISSUE 08 | OCTOBER - DECEMBER 2014 can18 be the start of something amazing that and has amy huge is my vision, my wish hope that this business impact on our Society.can It isbe about legacy behind. the leaving start of asomething amazing that has a huge impact on our Society. It is about leaving a legacy behind.

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“One of the huge mistakes people make is that they try to force an interest on themselves. You don’t choose “One of thepassions; huge mistakes peoplechoose make is that your your passions you. ” they try to force interest on themselves. choosemake is that they try Jeffan Bezos, Amazon.com, CEOdon’tpeople “One of Founder the huge&You mistakes

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Founder & CEO – Tria Group TRUSHAR KHETIA @trushark Founder & CEO – Tria Group @trushark

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SHOPPERS TRENDS

Understanding The African Retail Landscape:

Who Shops Where For What?

particular outlet. Grocers and supermarkets are visited relatively infrequently by consumers wishing to stock up on packaged goods, home and personal care products. They offer consumers a wide range of products, including new products, and offer more competitive pricing. But they can be hard to get to for the many consumers who do not have their own transport. In contrast, consumers often shop daily in the informal outlets that serve their neighborhoods in order to stock up on dayto-day items. They are familiar with both the vendor and the products, and the products are helpfully sold in decanted or single servings and in rounded denominations (e.g., 100 Kenyan shillings). By Elizabeth Mbugua, AC NIELSEN - Kenya

he promise of Africa’s economic progress has put it firmly on the growth agenda of global consumer packaged goods (CPG) companies. Today, there are an estimated 350 million middleclass consumers on the continent. Many companies have already mobilized to capture this emerging demand, but nearly as many have had to recalibrate their growth expectations, discovering that delivering strong growth in Africa’s markets is not as easy as merely being present with an otherwise solid brand, awaiting demographic tailwinds. Beyond the well-known infrastructure constraints, one of the more overwhelming challenges is the complexity of the retail environment. Modern trade is growing, but it is still small and underdeveloped outside South Africa. In most African countries, the percentage of CPG sales made through modern trade outlets is exceptionally small. Even in Kenya, regarded as one of Africa’s most developed retail markets, traditional trade still accounts for 70% of sales. It is true that large African and international retailers such as Shoprite, Woolworths, and Carrefour are making investments in modern trade formats. But traditional outlets will continue to be a significant channel for reaching consumers for some considerable time to come.

...in Kenya, shoppers make an average 38 shopping trips in a month, visiting the same outlet two or three times a day. Within the traditional trade environment there is considerable diversity. In Kenya, for instance, 95% of shoppers frequent dukas (66% of the store universe); 92% patronize kiosks (24% of the universe); and 89% shop at supermarkets (less than 1% of the store universe). The remainder of the universe is represented by table tops and pushcarts, and specialty outlets such as pharmacies. The prevalence of these different types of outlets differs by country. In some, the various convenience outlets—table tops, kiosks, market stalls, etc.—are most heavily represented. What a retailer stocks, how much, the price, the supplier and how often stocks are replenished—all fundamental considerations for a manufacturer—will vary according to the outlet format, which in turn reflects the purpose of a visit to any

INSIGHT CONSUMER | EDITION 02 AUGUST - OCTOBER 2015

So while the shop itself may be no more than a table or countertop, its products unbranded and the product range small— many might sell no more than four different items—these outlets perfectly meet consumers’ needs. They offer familiar goods at the desired price and size, they offer convenience, and they are trusted. Consumers shop at different outlet types for different reasons. Using Kenya as an example; consumers visit grocers mainly to top up, and because they know they will find what they want (availability). When it comes to table tops, location is the main attraction. The reason for visiting a particular type of outlet also affects the frequency with which consumers shop. A Nielsen consumer survey found that in Kenya, shoppers make an average 38 shopping trips in a month, visiting the same outlet two or three times a day. This represents a huge opportunity to connect with potential customers on their frequent shopping visits. But seizing the opportunity depends upon identifying from among hundreds of thousands of outlets those most likely to promote sales growth Upon establishing who shops where and for what, manufacturers must then identify the best retail outlets for a given product, and then turn to helping retailers build demand.

SHOPPING ETIQUETTE Rule number four: Be sure of what you are intending to purchase before going into a retail store. A budget in hand could save you time and money, not forgetting the embarrassment you could escape at the pay point when the cashier realizes that your funds are insufficient. Sometimes impulse shopping is inevitable but it is wise to check if you have money to pay for the purchase first. It is good to window shop but also important to handle items with care. Flipping through stands, doing fittings and picking items that you do not plan on buying is not good manners. Also, return things exactly as you found them, this makes it easier for the next shopper to easily trace and find them in good shape.

Rule number five: Be at ease to make inquiries on things that you do not know or understand. You can ask for directions, advice, how to handle and operate a particular thing and so on. n every facet of the society, there are rules that govern how people should conduct themselves.

This is not limited to shoppers who frequent different retail outlets on a daily routine for their purchasing demands. Many see shopping as therapeutic: a way of passing time and treating themselves to something nice. This is why retail stores can be a breeding place for an avalanche of emotions leaving you dissatisfied and annoyed all at the same time. How we conduct ourselves however, may present a worthwhile outcome.

Rule number one: Although the customer is always right, it is admirable to treat the retail workers with respect. Exercise patience while you wait to be attended to and if you seem to find that something is not working right, a polite request of explanation could save the day as opposed to being temperamental. It is outright inappropriate to interrupt a sales person when he or she is attending to another shopper. Wait for your turn or it could be better if you found another sales person who will give you the attention you need. After a good customer service, it is proper to

acknowledge whoever attended to you and thank them. Rule number two: Going by the words of one author named Hazrat Ali “courtesy costs nothing but buys everything”. Respond to greetings upon entering the shopping mall. This creates a good impression and sets a good tone for your shopping experience. Having a helpful nature or being considerate and gentle to others will cost you zero. For instance, if you are on the queuing line with an elderly person, you can let the person go ahead of you or assist him or her to carry her shopping basket. Rule number three: Mobile phone etiquette should be thoroughly observed. These are simple guidelines which seek to ensure that mobile phone users do not cause distractions or offend others. For example, Calls of a personal nature are, by definition, private and should not be made within the hearing of other people. It is important to respect other people’s space as the information disseminated could be distasteful to others. It is also good to make sure that your ringtone is not too loud to demand everybody’s attention.

Remember the Chinese proverb, he who asks a question is a fool for five minutes; he who does not ask remains a fool forever. However, soliciting for special favors is unacceptable and could deem you in bad lighting. Social skills contribute civility to the society. It advances the quality of life and happiness, creating an environment that is more vibrant and enthusiastic. This in turn creates more worthwhile relationships which enjoy good communication and brings efficiency to the work place. How you present yourself is vital too, good manners attract positive attention and this builds you confidence level. We should always thrive to be better, to live a place better than we found it. It is therefore, truthful to say… Etiquette is indispensable.

After a good customer service, it is proper to acknowledge whoever attended to you and thank them.

INSIGHT CONSUMER | EDITION 02 AUGUST - OCTOBER 2015

CAREER INSIGHTS

Prepearation For Success At A Job Interview

he 21st century has been met by new challenges for many that are looking to get into the job market. Unemployment continues to etch itself in our history as the struggle to find the right kind of job intensifies. With few jobs in Africa, job seekers have to strategically set themselves up in this rather competitive market. Not many people will have the opportunity to an interview hence the need to maximize on any opportunity that knocks on their door. With the above in our rear view, Brighter Monday, Kenya’s leading job site, that prides itself in matching talent to opportunities shares an insight in the do’s and don’ts on how to prepare and succeed in an interview. Preparation Successful job seekers invest time and effort in preparation for an interview. Have all your documents in order; samples of work done and achievements cannot be over emphasised. More so, make yourself familiar with the vacancy and take time to think, practice and rehearse the typical questions asked in an interview such as; why you are looking for the new job, what your main achievements have been to date, etc. Lastly, appearance is very critical. First impressions matter so invest in a nice look relevant to the position you are interviewing for.

PREPEARATION FOR SUCCESS AT A JOB INTERVIEW Interview Etiquette

Arrive slightly earlier than the stated interview time so that you can have time to complete any preliminary formalities without hurrying, for instance, receiving a security pass. Be prepared to wait if you are asked to do so. If you do not have much time at your disposal, or have another meeting afterwards, be sure to let the interviewer know beforehand.

explain why you feel that your previous salary was too low, and what you can offer the company. You should come across as deserving a better salary rather than just seeking an unjustifiable pay increase.

Answering questions

Be open. You may say that you were expecting a specific salary figure. However be aware that the interviewer will definitely want to find out why you named that amount, you should be ready to answer. . At the end of the interview, you are likely to be asked about your impressions and whether you have any questions concerning the vacancy or the company.

Try to be concise when answering the interviewer’ s questions, but avoid one-word answers unless it is deemed appropriate. If you don’t understand the question, ask the interviewer to clarify what they mean.

If you think of any additional questions once you have left the interview, reach out to the recruiter through email or a phone call to ask. Be sure to ask the recruiter if they have any reservations in hiring you.

When you are discussing your achievements with your interviewer, use definitive quantities rather than vague generalizations. For instance, it is better to say “within a month” rather than “ for a long time”.

You can address their concerns ensuring you finish the interview demonstrating your interest in the opportunity and your ability to be successful in the role.

A firm handshake with the interviewer speaks a whole load of volumes about your confidence and personal status.

Be prepared for questions about your previous salary and expectations during the interview. When asked such questions, be as truthful as possible. You may feel that the salary you were earning previously was too low and could give the wrong impression of your worth, or indeed, would set the threshold for negotiation too low. If this is the case,

INSIGHT CONSUMER | EDITION 02 AUGUST - OCTOBER 2015

At the End of the Interview When the interview is completed thank the interviewer for his or her time. Ask when you can expect the result, and try to determine what the next steps will be. Finally, smile, give a firm handshake and repeat the process at your next interview. Article by Emmanuel Mutuma - Marketing Manager, Brighter Monday Kenya.

HEALTHY INSIGHT

Power Your Health With A Dose Of Fruits The Spectacular stories of people who got their health restored by a regular diet of fruits is enough confirmation that fruits can be medicinal. Not only do they prevent or cure diseases but also improve on the general health of an individual like lowering depression and increasing self esteem. More importantly, Fruits are the most natural foods that offer you a wide variety of diet to choose from. You can either take your fruit: 1. As a Smoothie - a mixture of blended fruits with a cold or warm drink of milk or Yoghurt. 2. As a Beverage - from freshly blended fruits. Where you can mix a variety of fruits to Make a cocktail. 3. As a Dessert - delicious fruit favorites like fruit pies, cakes, cherry bars among others. 4. As Fruit Salad - a mixture of fresh, ripe and nicely cut fruits that are always pleasing for the eyes 5. As a whole fruit - however it is important to wash the fruit first before eating it.

ust how regular do you take fruits? Is it a compulsory component of your daily diet? Well, perhaps you’ve heard this elsewhere. It doesn’t hurt reminding you now. Taking fruits as a regular part of your daily diet may lower your risk of contracting the debilitating lifestyle diseases of the 21st Century namely: cancer, diabetes, hypertension and other cardiovascular diseases.

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This is because fruits are rich in phytonutrient, which have the potential for reducing your vulnerability to such chronic diseases. • Fruits are a good source of fiber for our digestive systems. Foods containing healthy fibers help in reducing the chances of corpulence, high blood pressure, and any other factor that might increase the chances of heart diseases. • Fruits consist of the largest part of water in food. It is for this reason that, it takes less energy and time to burn, since it contains natural sugars which are easier to burn. • Unlike animal products and other fatty foods, fruits are 100% cholesterol free. Foods that are low in calories, sodium and fats are good especially if you are trying to prevent weight gain or lose weight. • Fruits like Oranges and strawberries are the best known for vitamin C. These are Important for growth and repair of all body tissues and keeps teeth and gums healthy and makes you feel energized. • Fruits also contain Foliate or folic acid, which is essentially important for expectant mothers because it helps to form red blood cells which are paramount in the development of the unborn child.

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ONLINE SHOPPING TIPS

nline shopping is currently the in thing. With the availability of various Apps, It is not just fast and convenient, but also offers a wide range of mind boggling products and services to choose from.

is to say that, you should not share your account information or any purchase information through an email. Install antivirus software on your computer to protect against attackers like viruses, spyware and identity theft.

dealing with online shopping.

There are however, numerous risks that come with the trade, and one should stay alert when making a purchase. Here are some tips on how to go about it.

On payment, it is important to only transfer cash using secure payment platforms like, Lipan na Mpesa, Paypall or the use of a credit card. Credit cards represent an extension of credit, while debit cards draw directly from your bank account.

Check the private and return policy and ensure that you get all the fine details. Paying a person for retrieving, packaging and shipping an item that you’ve purchased online is already built into a retailer’s costs. But if you return the item, it still has to be repackaged and replaced, causing an extra cost to the retailer. This could cost you a sizable amount which can wound your finances especially if you were unaware.

Be wary of online fraudsters. These are unscrupulous individuals who want to swindle unsuspecting clients off their money: Find a reputable retailer from a trusted source. Establish their physical address and telephone contact. Also check their reviews and comments about their products and services. The number one online shopping secret is to find the lowest price bargain. This can be through perusing catalogues and circulars to find discounts and offers. Check out different sites and compare. Ensure the link to the online shop is secure, look for a tiny padlock icon, usually found at the top right corner of your browser’s URL bar. The web address should begin with https://. The (S) on the URL address (https ://) actually means security. Do not shop through an email link. This

Once in possession of your banking information, hackers can do much more damage to your finances than with your credit card number. Confirm your order before paying. Also make sure that you read and understand the terms and conditions of sale. The currency, postage, handling charges and other charges involved. Double check your details of purchase before paying. That is, the final cost. Read the description of the product carefully: size, quantity, colour, and safety of the product. Also make sure you know if the product is genuine by checking the expiry and the warranty of the product. Do not reply to unsolicited emails that you do not recognize. It is always wise to keep your transactions within the website and avoid private contacts when you are

INSIGHT CONSUMER | EDITION 02 AUGUST - OCTOBER 2015

Also make sure that you read and understand the terms and conditions of sale. The currency, postage, handling charges, VAT and other charges involved.

The earlier you make your purchases, the greater chance they’ll ¬arrive on time. To cut down on shipping fees, try to order many items at once from a single retailer. Keep records. Always write down any reference numbers and keep copies of the order form and receipts. Check the receipts against your credit card statement, merchant statement or bank account statements. Ecommerce provides a virtual auction where information is readily available at any time, and can be accessed within second. It cuts down on costs, reducing traffic at the stores and products can be available everywhere.

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Where Wheredigital digitalmeets meetspaper paper Magazines • Annual Reports • • Magazines • Annual Reports Catalogues • Newsletters • Flyers Catalogues • Newsletters • Flyers • Brochures • Posters • Wall, Table • Brochures • Posters • Wall, Table andand Shipping calendars • Note Shipping calendars • Note Pads • Desk Diaries • Book printing Pads • Desk Diaries • Book printing • Labels. • Labels.

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Guidelines on how to Win a Prize… Insight Publication has introduced kid’s Coloring Competition Inside our Insight Consumer magazine which Parents / Guardians will help their Kids to drop the same at our nearest dropping zone – while doing their routine shopping in the nearest supermarket listed The following Terms will apply for participating kids: • Ages of kids participating should be below 10 years. • Deadline of submission will be on 30th September, 2015. • Parents / Guardian must feel the feedback form behind the colouring page Kids’ Name:

• Photocopies of this page will not qualify. • Winners will be contacted for their prizes - Gift Vouchers from the participating Supermarkets as follows: • Winners Kshs.1,500/= • 1st Runners Up – Kshs.1,000/= • 2nd Runners Up – Kshs. 500/= *Terms & Condition apply

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FEEDBACK FORM Dear Reader, We value your time to share your views and feedback to help us improve our next edition… 1. Where did you access our publication from? __________________________________ 2. Was it easy to access the magazine Yes______ No_______ a. Comment on how to Improve our delivery ________________________________________________________________________ b. Do you wish to subscribe to get the magazine for Free delivery Yes_____ No________ ____________________________________________________________________ (If yes share your contacts for follow up)

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3. On content of our magazine, a. Which topics were of value to you? ________________________________________________________________________ ________________________________________________________________________ b. Which topic(s) was NOT of Value to you? ________________________________________________________________________ ________________________________________________________________________ Magazine

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Mlolongo town • Highway • Mtaani Emali branch Tala branch

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• Langata

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• Kerugoya

• Kiambu

• Langata

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• Ongata - Rongai • Kiambu

• Kitengela

• Nyahururu

Branches:

Machakos town

• Pioneer Mlolongo town • Express • Highway • Masaa • Mtaani Emali branch Tala branch

Mlolongo town • Highway • Mtaani Emali branch Tala branch

• Kajiado

• Tassia • Mfangano

• Mwea

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• River Road

Tumaini

• Kajiado • River Road • Mwea

• Mfangano • Eastleigh Section 3 • Tala

• Kajiado

Do not take measurements from this drawing: All measurements must be checked during work.

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Branches:

• Mfangano Machakos town • Tala • Pioneer • Tom Mboya • Express

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