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tinanzau

I know it’s been ages since I blogged..been caught up with exams,life and adjustments. Having finished school in July,it was a pretty hard time to really celebrate when a major pre-registration exam awaits.. Many people didn’t quite understand why I was reading for an exam after clearing with school and explaining myself over and over wasn’t easy as well.. but let’s just say that’s life in Pharmacy school.

So I’m finally done with exams and books for now (before i think of pursuing my masters)..and I don’t know whether to be excited or get a little worked up.. I should be happy that after 5 years in school things will soon look up. But me being me,I can’t help but ask myself what next?

Honestly,I wanted to finish school..I mean late night reading,endless exams,7 o’clock classes ,bulky assignments and a million and one drugs to master …the finishing part was…

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I know it’s been ages since I blogged..been caught up with exams,life and adjustments.  Having finished school in July,it was a pretty hard time to really celebrate when a major pre-regi…

Source: To New Beginnings ..

tinanzau

Its been a while since i wrote here,but hey… Glad to be on board now. Today is a such a great day and sharing something with you makes me happy..

Many are the times we feel burdened by things happening around us.. We all have ‘busy’ lives trying to strike a balance between our jobs, studies, goals, family,friendships, businesses and our inner selves. That’s some real work there.. Mostly, the day ends when you’ve hardly achieved what you set out to do.

We live each day with worries and fears, that we may wake up one day and be declared inadequate. We live in fear of being judged by our outcomes.We at times have to convince ourselves that we are better off than so and so..

We are ever fighting battles within ourselves which we’ll never win,keeping grudges over nothing and pretending not to care. We get so consumed in…

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Source: Live to your best….

tinanzau

Many days later…. some things are better acted upon early before procrastination sets in. i have been doing a lot of thinking though,i opened this blog to lighten up someone out there.. i hadn’t really figured out my genre but we are here now,we could get started..

What does it mean to live to your best? Life bears so much for us to go through in a single lifetime. We lose and gain friends,possessions,bearing of life and ultimately a rough understanding of life. We go from pits to peaks,from love to hate, trust to doubt,from not knowing to knowing. I choose to call it the cycle of life.

In order to reach our ultimate goals,to serve our purpose on the earth,i believe we have to learn a number of lessons on the way,stretch ourselves beyond our limit and move beyond our comfort zones. I mean,they say nothing good comes easy.

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Too Cool…to get such pics of colonial kenya..

Travel Diaries Kenya

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awesome works here

The WordPress.com Blog

We’re bringing you some action-packed fun on this Threeme Day!

First up, we’re bringing you a gorgeous new premium theme from our friends at Organic ThemesPhotographer features a beautifully minimal design with a focus on photography. It’s a professional portfolio and photo blogging solution for serious photographers and artists. The theme features the ability to create endless slideshows and portfolios, and is sure to satisfy the website needs of all shutterbugs.

Photographer is a premium upgrade for your blog; read more about its features on the Theme Showcase or dive right into previewing it on your blog from Appearance → Themes.

Our next theme today is Superhero, designed by yours truly. Superhero is a clean and minimal blog theme with bright pops of color and some great hidden power. If you take off its glasses, Superhero can wow your users with a truly heroic full-screen…

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I don’t know about you, but if I am to speak for myself I would tell you, my fellow readers, that I am greatly saddened by the fact that we often look back at our bygone years with a lot of nostalgia, and label them as “the good old days”.

I often ponder on this and ask myself why should this supposed good life we had 20 or so years ago, seem so much better than the present life we have, despite all the technological and sociological advancement. If you think about it keenly, 20 years ago, life was very different from the kind of life that we have today. For one thing, there were no cellphones to keep in touch with all your friends and business associates no matter what time of day; no laptops, Ipads or Galaxy devices to keep you updated on your social circles, and definitely no wifi. I don’t know about you, but I keep asking myself, how a life without wifi, cellphone, and portable hard drive would be like. I think terrible, absolutely terrible.

If my grandfather gets to read this, he will probably think I am a spoiled brat, but let’s face it – we are all spoiled brats in more ways than we realize. Many of us cling to our cellphones as if our lives depended on them. Its the last thing we look at just before we go to bed and tuck it neatly under our pillow or place it at the bedside table, and when morning comes it becomes the first thing we reach out for – most of the times to switch off the alarm.

Change is inevitable and always takes dynamic forms and ways and this lesson is invaluable for businesses. Many people who start businesses and see them succeed, see their businesses disappear into oblivion after a while because they refuse to adapt to the changing environment. A change in environment may mean a shift of customer preferences, a change in tastes, or a change in technology. Standing stiff against new advancements will cost you steeply in more ways than you can imagine. A good example would be – if the firms in your industry accept and adapt to a particular technology, because it has been proven to make processes faster and more economical. If you ignore this technology, it will give them an edge over you, and thus give them a definite advantage.

The mentality of the “good old days” nostalgia is a common attribute of many entrepreneurs, many of whom belong to the older generation. It is usually triggered by arrogance and fear at the same time. Arrogance of believing they have the best business process out there, since that is what got them to where they are today. The fear is mainly caused by the feeling that they may become a zero in an industry where they once dominated. These two reasons affect all the industry players across all boundaries, and thus one should try and be open to change and new ideas.

You should however note, that this doesn’t mean that you should let go of all your memories and experiences from these nostalgia filled days – after all, they are what makes us what we are today.

If you had the chance to chat with a bank CEO, what would you talk about? As if that is not mind boggling enough, what if you got the chance to do this every week with a different CEO?

All of you, probably, have it on your minds that I am talking about speaking to their P.A.s, and if not, probably through their facebook fan pages. If this is what you think I did, then my dear reader you are dead wrong. This is so because I truly had a one-on-one conversation with an actual CEO just today. Do you know how I did this? I did this through a chat service that is dedicated to the Kenyan Bankers association website.

The project called “15 min CEO Chat” is a month-long Kenya Bankers Association (KBA) event during which the Chief Executive Officer of a bank hosts on-line chat sessions. During these sessions, the bank’s chief engages other users who are logged in where they gives his/her’s views and also seeks and gives advise on various aspects of banking. Some of the topics that have featured in the group chat include interest rates and why banks charge interest the way they do, SME opportunities and challenges, and how banks can support financial inclusion and employment creation among many others. Since its inception late last year, the event has attracted a lot of public attendance and media coverage but the best part of it is that you will get to talk to that CEO on an one-on-one level.

During today’s chat, the topic of discussion was on agency banking models that took place between Mr. Peter Munyiri, Managing Director and CEO, Family Bank, and users logged in on the forum at the time scheduled. I was certainly impressed at the level of maturity on the group, and the intense nature of handling items on the table. You really get the feeling that you are part of something good, and something that builds value for the country. I immediately went ahead to create an account, and subscribed to their on-line newsletter as well, so that I would never again miss the opportunity to come face to face with a bank CEO.

My message to all those young people out there fixated on social chat sites to catch up and keep in touch with their friends, to also bookmark this group bankers’ group chat, and in the process be a part of the process of spreading ideas worth sharing, and learning a lot from experts in the industry.

ImageThe Chicago Commodities Exchange is by far the biggest of its kind in the world, and among the first to be created. Just exactly what is a commodities exchange?

To answer that question, we have to first shed some light on the agricultural sector in Kenya, and Africa in general. In today’s method of agriculture, it has become the norm to use the same age-old agricultural practices that were passed on to us by our forefathers, and we have since adopted that as the only way to do it. But, their agricultural methods, however, was only useful for that particular age it was created for. The old methods have become obsolete and they would not be economical in the present day. You may ask what are my reasons for making such a claim.

The farmers are normally accustomed to growing a variety of food crops that generally grow well in a particular season, and after harvesting they sell off the produce at the market. You will notice a couple of problems that arise from this situation – the first one is that this farmer would definitely not be the only one selling the particular crop in the market, and so there will be a glut in the market. Our basic economics tells us that this will mean the prices automatically go down – supply versus demand. The second problem is that these small and marginal farmers who are left at the mercy of the middle men and brokers are forced to sell at a lower price. These middle men and brokers, who buy from the farmers re-sell in the cities and major towns at a much higher price.

So, how do we get to the root of this issue and solve it? In the course of my readings, I stumbled upon a very interesting story from Ethiopia, where one woman, Dr. Eleni Gebre Medhin, a former senior economist for the World Bank helped establish a commodities exchange in April of 2008.

The Ethiopia Commodity Exchange (ECX) as of the last year handles commodities such as coffee, sesame, haricot beans, maize and wheat. It has over 256,000 mobile subscribers who are connected via instant messaging, the radio, TV and print media. The price and date is transmitted in real time to outdoor electronic ticker boards in 32 rural sites all over the country, and you would be surprised to know that in September 2011, the service received more than 1 million calls for the month, with 70 percent being from rural callers.

What does this type of market do? It usually trades future contracts on commodities. A deal is signed with a contract to receive something, say beans or any other commodity, in a certain month in the future – probably months or even years away – even before the crop has even been planted. The farmer who will plant and grow the beans sells the future contract on his beans to the market, where after harvesting, he will receive a guaranteed price that will be paid to him when he delivers. And, on the other side, you have the buyer – who maybe a canned bean manufacturer – who after buying the future contract from the farmer, is also guaranteed a pre-determined price at the time of harvest. This protects the farmer and the buyer from price fluctuations.

Adoption and establishment of such a concept in the Kenyan market will reduce losses to the buyer and the seller. When you enter into a future contract, you can only grow an exact amount of produce that you are assured you will sell and thus save on costs, and maximize the use of resources available. This will save you the opportunity cost that would have been lost if you had diverted that capital to unproductive farming.