What is saving? Saving is the act of keeping aside some amount of cash for the sake of the future. That is my definition not exactly what commerce text books are saying. I have decided to write this article with question headings
Who can save?
Apparently everybody can save all u need to do is save percentage wise; either rich or poor you can still save. The best percentage is 10% it is so small for you to feel and then again, if you are a Christian 10% isn’t a new number……continue reading
There are millions of ways to make money online but to choose the right one is a big the challenge; to know whether or not its a scum aint easy… Mostly you only believe when a person you know or trust earns.
They include
• online research
• data entry
• data profiling and
• multilevel marketing
Not everyone can do online research neither can they do data entry but anyone can easily do multilevel marketing.
So my main focus is multilevel marketing something that’s working for me and costing me a mere hundred shilling
So
Step 1
Visit www.nisambazie.com/?id=37 and the following page will be displayed
Stage Two.
Click on the tab JOIN NOW and the following form will be displayed
Feel it and make sure the sponsor name is hilary mbute (ID:37)
After feeling the blanks click on join the nisambazie.com club
NB
STEP 3
Once you feel the form you will receive an email informing you that your account has been created but in order for it to be activated you have to send a hundred shillings via the method of payment chosen i.e mpesa/airtel money/orange cash to a specified number
STEP 4
Send a hundred shillings to the no. given, when you receive the confirmation text you also receive an email informing you that your account has been activated and u are assigned a membership ID mine is 37
Once your account is activated you can make other people join via your sponsor link like http://www.nisambazie.com/?id=37
NOTE
• Never give a person a url without your id; you wont earn
• All the down-line payment add up to 100/= so realistically all the money is distributed to all customers
• This is not a pyramid scheme it’s a club and membership fee is 100/=
• The website has digital products that it sells which go at a discount to members
• The website is legally registered with the government of Kenya under the international law
Once you have done this invite your friends and family; all payments are done on Friday so that you never go broke on a weekend.
STEP 5
You get a back office like this one
The back office gives you a track of your down-lines and their down-lines you even get their emails so u can communicate to them and inspire them to work harder
I wish you all the best as you make money with www.nisambazie.com/?id=37
Please free to ask questions and to comment
It’s so hard
1. Its so hard,
So hard to find love,
So hard to make money,
So hard to stay sane.
2 Every day I wake something goes wrong,
The girl I was in love with gets married,
My employer complains that my report is tainted,
My landlord hikes my rent,
My neighbour says am making radio noises,
Its so hard.
3 my food burns in the kitchen,
My debtor s phone is off,
My creditors are always calling,
Am running out of my shopping,
Its so hard.
4 I am going mad,
Yet am just a young lad,
Whose got no land,
At least I can write my problems on this pad,
But still ITS SO HARD.
this is the story of a saudi Arabian friend who was poor in English but still wanted to study in the US enjoy
Language barrier in a foreign land
For centuries language has been the link between tribes and economies; that is why, as an international student I was eager to learn English. When I arrived in the USA, I was confident enough with the little English that I knew. My English was both distasteful and incomprehensible. It came without question when I became the campus laughing stock. Most are the times that people understood me differently, this affected my self esteem which in retrospect brought about negative consequences to my social life; I would regularly suffer stress but again it was hard to relay my problems to anybody close.
In a land where the population consisted of descendants of people who had escaped religious persecution from their country of birth, I had not fathomed language barrier ridicule. The forefathers had joined up to create a world of new order; they chose English to be their unifying language, and now I was all alone just because my words had a few grammatical errors. I was familiar with the discrimination of the black man but more so aware of the transformation USA had gone through for the four hundred years of her life. America had started from enslaving blacks to crowning them to presidency, Barrack Obama, yet they were not ready for the likes of me. I knew English; my only problem was my low level command which even under personal judgment I would say it was awful.
It became difficult for me to answer questions let alone ask, in class, yet the teachers did not notice my case. Some students branded me a retard; I felt both humiliated and disgusted. My grades then started to decline, and this was clear evidence that my brain could not grasp anything, let alone the white man’s words. Hoping to join the advanced English class; I found myself rotting in the intermediate one. This adversely affected my self esteem.
It became harder for me to interact with the opposite gender. I do not have the Machoman looks that make girls follow a man like a fly follows a stench, yet I didn’t have the words to convince a girl that I liked her. The only words i could utter were ‘hi’, so universal but not enough to lure a girl to your arms. Babes would feel sorry for me, touch my beard and then leave without saying a word.
I love the American education system, but at one point, all I wanted was to go back home back to my people those who understood me, tolerated me, cared for me and loved me; but that would be at the expense of my future carrier. All my life I wanted to be a biomedical researcher. I had an internal struggle going on between personal comfort and my future and comfort was almost winning, especially when I would receive an overseas call from my girlfriend back home. We would talk for hours I shared my problems with her and fortunately she was extremely supportive and encouraging. She told me, in order to achieve stellar results there must be sacrifice and to suffering.
This got me started on a second journey, a journey to self liberation, I put on extra effort in my intermediate class and was no longer in fear of asking questions. My peers laughed at my innuendo, but at long last they laughed no more; my guess they got used to it. The teachers understood me and continued to offer me extra tutoring lessons. Life was now smooth and bearable I was no longer in fear of my peers; we got along so well others would even attempt to correct my grammatical mistakes. After a long struggle I had finally fit in, I was now a part of the USA community. I am now in the advanced level of English. I have conquered the language barrier; I am a true international student.
*******
Feel inspired other people should not bring you down
part4
It was on the afternoon of 7th July 2011 when Tony, a former Mocality.com Moderator called me on phone and informed me that I was among the 6best mocality agents in Kenya. He continued to say that we were to be honoured at hotel 680 the following day; I was thrilled at the same time excited. The first and most expected thing I did was to pass the sweet news to my heart winner. She was so proud of me that you could see it in her brown eyes.
I only had 4days to prepare for the great day, The main requirement for me to attend this once in a lifetime occasion was to have a Mocality agent ID; If you have been reading the previous parts of this story you will realize that I had been identifying myself with my school ID. So the next day I was to rush to qualigrifix a shop in town where they would process my Agent ID. It was some work to locate the business not until I called mocality help line and was advised to check the business on mocality.” Why hadn’t I thought of that?” I asked myself. It was piece of cake the biz was right there on the map.
Then came the day 11th July 2011. I woke up at the crack of dawn, so did my roommate and his girlfriend. Apparently she was also among the six. I could not believe it; two people in my crew were to be honored. I was actually proud of myself; she prepared breakfast for us and then we all left the house, looking smart of course, and headed for the terminus. We boarded an express matatu to town and walked the rest of the way to hotel 680. We were among the very first to arrive this is when we realized that the meeting was actually an annual mocality conference for both agents and business people. I sent a text to my love asking her to join me.
At about 11am we were all, the six of us, ushered to a private room. Later to be joined by Tim Harper (mocality product leader) and Einstein (leader of customer service) it felt great to meet the big fish behind this online directory. Our mocality agent accounts were upgraded to super agent and we were briefed on our new responsibilities; apparently we would make more money but the downside was that we were now under the mercies of the taxman whereby we would be paying 10percent income tax. But, come to think of it our money would be used in the construction of the super highway.
At about 2pm we all joined the businessmen and women of Nairobi in the conference room. Many people whom we had only interacted with on phone were introduced to us. They included Moses and Gerald both product ambassadors of mocality. Then came the auspicious moment when Josh, the Kenyan Mocality Manager, presented prizes for the 6 best. Each of us received a brand new Huawei ideos phone with 1000 worth of airtime and 600mb free. There is no feeling as sweet as when you feel appreciated. From that moment I knew Mocality was not just an ordinary online directory it was made of caring personnel. I have posted several photos that were taken that day.
By the time we were going home I felt ready to work but it wouldn’t be as easy as Vybes Kartel would put it.
Problems of a super agent
Soon, I will post an article to do with the responsibilities of a Mocality Super Agent and the later continue my story.
Thank you, for taking your time to read.
I taught for several months before campus finally reopened; it was announced in the papers that all students should report back on that September. We had less than two weeks to prepare for our pending exams; personally I had not touched any of my college books during the long holiday.
After reporting back we would gather together, study in discussion groups and on our own burn the midnight candle. After the two weeks we were confident enough to seat for the exam and to say the least it wasn’t as hard as we expected.
We were allowed to go home for two weeks and reported back to begin our second semester on that very same September.
Times were hard for me and my two roommates we used to stay in Githurai and would commute everyday to The university, transport was cheap as we would pay only 10shillings but that didn’t mean that we didn’t suffer there were times I would have nothing in my pocket and walk all the way to Kenyatta university to attend a seven o’clock class. These were times that I thought that self sponsored students are those who believed in the value of education but had been denied the chance most of my classmates proved me wrong as most of them were actually from well to do families. Wealthy parents even to date prefer to have their sons and daughters report to campus immediately after their K.C.S.E results are out. These children don’t have to waste time hustling out there they are spoon-fed from kindergarten to university but I knew I was different. I had to do something about my life, but what?
The 5 shilling lunch
The good thing about universities in Kenya is that there is a mess facility (it’s a kitchen where food prices are subsidized for poor students to afford meals.) Most students queue hear , the rich students as they refer to themselves would take their lunch at the shopping center or the various cafeteria found in the articulated areas of the campus ground.
I was definitely a member of the mess together my roommate and another friend by name Kelvin, sorry we were a little extra ordinary kind of members, as other people would afford a 20shilling meal we couldn’t so we would line up buy Ugali at a cost of 5shillings and take it with the free mushroom soup . As this continued there is this chef who kind of grew fond of me she knew I didn’t eat this out of choice so she would always add bean soup at least to improve my diet; up to this day I still feel grateful to her.
When 2010 came I became a second year no longer a fresher but my troubles didn’t cease this is when I decided to act , I admired the girls and I wanted to date, but how could I date if I couldn’t afford to take a girl out. How could I date if I didn’t have something to entertain her with if incase she visited, yes girls liked me but I knew I couldn’t afford them.
When I said we were 3guys sharing a room in Githurai I forgot to mention who the three were: one was a former teaching colleague who was out of employment, he was a hohehahe like me the other was a coursemate .
Mtu wa mjengo(A construction worker)
On one weekend we were all seated on the floor of our room wondering what we would have for supper that’s when Kariuki the teacher produced a 200shilling note and said, “This is your supper amigos”
We looked at each other and wondered, ‘where did Kariuki get this?’
“Mjengo I was looking for a school to teach when I found construction workers shot of one guy, I told them I would give it a try, it wasn’t that hard and by evening I was had earned this.” He flashed the old note like a kid wishing to buy peanuts.
There was the answer to all our problems. I checked my timetable and realized I had only one class on Friday so I decided to be skipping the class and be working on Fridays and Saturdays, I started making money 400 to 500 shillings every weekend. Combine this with what my parents would send me and I was a ‘rich man’ so to say.
Obviously as a Christian I would go to church on Sunday and spend the rest of the day cleaning.
Being a mjengo man I hardened and developed muscles and my course mates would say that I had joined the gym. I could only smile at them; they wouldn’t want to hear my story. There were occasions when I would bow my head down after seeing college mates passing by the construction site, especially if they were girls. But the best victory of them all is that today I can stand up and point to you a house I constructed brick to brick. It’s so unfortunate the owner and the tenants of the plot can’t recognize me, there is a saying that goes, it doesn’t take long before a child forgets the napkins.
By December 2010 blessing were falling; We managed to move from Githurai to Kahawa , Kahawa was a little bit expensive but closer to the university a place considered to be of a higher class . Kariuki had gotten himself a job but since the two of us still couldn’t afford a single room we accommodated a needy classmate of ours.
I managed to get myself a girlfriend , somebody who truly loved me; I remember this day she kissed me out in public, I was fresh from the construction site you can guess how sweaty I smelled but that wasn’t a bother to her. She was my neighbor, she loved me and I loved her too she would cook pancakes to the three of us and we would munch them good. I feel hungry already as I write this. I have to confess I haven’t seen a woman who can cook like her, her chapattis and her broccoli. I haven’t eaten a broccoli since we broke up. Yeah we broke-up a few months ago. Dont ask why, some things just end. My grandfather told me ‘love doesn’t always win’
That December I bought Christmas gifts for every member of my family all thanks to ‘mjengo’
2011 mocality year
I was a third year Bachelor of Commerce Student when I discovered this goldmine called mocality.com
I decided to retire from mjengo as my girlfriend always encouraged me to; she would tell me that I could do better stuff. I had heard of people who had made millions by doing online research so I decided to give it a try but ‘didn’t have a computer nether did I have a modem and the free computers in our library were so in demand that one had to queue for hours in order to get a sitting. So what I did, I redeemed my bonga points to 200MB data, and then borrowed my roommates modem and my friends laptop.
I was facebooking when I sow this Mocality add saying ‘make money with your phone’ I signed with facebook and was registered as an agent …
Mocality is an online directory which pays agents who help in increasing their database of businesses, its currently operating in both Kenya and Nigeria soon to expand to either Uganda or South Africa.
…I tried to enter a test business but the system recognized that I was using a PC I needed a smart phone and I didn’t own one but my roommate did , so on the Saturday that followed I exchanged my phone with jimmy , told him I wanted to take some photos and would return it in due time. I bought all the necessaries: a biro and a notebook and headed for Githurai where I knew businesses were rampant.
The first businessman I interviewed didn’t want to hear a thing about his business going to the internet neither did the second, others being illiterates sorry to say were even scared of the name mocality. So I had to device another means so I told them that I was a student doing a business project, this worked out so well since I had my school ID which clearly identified me as a faculty of commerce student.
After convincing about 12businesses I went back to the house tired and exhausted spent the evening uploading the data and hoping mocality wasn’t just another internet bluff. Monday came and nothing happened, I forgot mocality and continued attending my lectures as usual. Something amazing happened on Tuesday. I had an afternoon lecture 2-4pm having not taken lunch the lecture was just boring to me I couldn’t understand a single thing our accounting professor was saying I was just numbly seated writing everything he said but comprehending zero; that’s when it happened. That loud sound made by china phones, those that dont have vibrator in their system, after receiving a text. The lecturer was furious, “I thought in your first year tutorial you were advised to switch off your phones during lectures” You could hear the anger as his pitch rose.
I was at the verge of apologizing when I read the content of text
“You have received ksh 1200 MIH Internet East Africa your mpesa balance is 1210”
Instead of saying a thing I picked my bag and shot out of class. ‘Today I would eat at the shopping centre together with the other rich kids’ I withdrew the money and bought myself a burger, called my girlfriend who apparently was at her place. We had a night of celebration and from that day henceforth mocality became a part of our lives.
During the summer holiday my roommate, my girlfriend and his girlfriend all became agents of mocality and I must say we made good money believe me , we could now afford a one bedroom each of us with his own bed.…………..
To be continued
The other part will have to do with the reign of the super agent
Somebody asked me why am writing this story and I answered I want to inspire you with my story
RISE FALL AND RISE AGAIN
As a watchman I bought myself an internet phone, I, therefore, developed a fancy for the internet and technology.
I partly worked as a ‘Pendo’ service marketer (a safaricom sponsored love text subscription) and could earn some fair amount of commission which I received via mpesa(This is a mobile phone money transfer). This service didn’t go for long as safaricom put a hold to it. It was unfortunate, but I could do nothing about it.
In 2008, May, I accepted a position as a teacher at Plainsview academy Mwea, I had prepared to teach Maths but the school had enough Maths teachers fortunately; they needed a class eight C.R.E. teacher. Without much thought, I offered to take up the offer despite not having the aptitude. Moreover, I did not take C.R.E back in high School. This really worried the director but lucky enough, he gave me the chance to prove myself.
Days later, a colleague offered to give me his Maths lesson in class four
TEACHING C.R.E
Innocent bright faces, eager warm smiles and sharp eyes welcomed me upon opening the class eight door. At that very instant, I fell in love with the class. After a few days of orientation, a cordial and mutual rapport was created. The bond made it even easier to begin with my teaching. I studied the bible late at night, this being the major C.R.E text. This not only built my spiritual life, but it improved the bond between me and my students; I woke up as early as 4 AM prepared for an hour got the school compound around 4 30 AM, where I woke the students waited for them to prepare and by 5 20 AM we would all be in class enjoying a cup of C.R.E.
I enjoyed my time as a teacher. I had found peace, and I felt I was doing something worthwhile in my life. I would spend my weekends in school; I was not just a teacher but also a friend, to some parents whom I had bonded with during visiting days. I have something to confess, being a teacher gave me an inner comfort, but it was the only time I earned the least. I was making KShs 3OOO per month i.e. US$ 36.
LETTER TO CAMPUS
I was preparing my students for the big exam KCPE, when I received a letter to campus. My letter delayed. I, therefore, was to join the high institution of learning in two weeks. I was in a dilemma, to leave my students at such a time. I reported to Kenyatta University and was fortunate to be informed that I could actually call off a semester and start my studies the following year.
I was happy not to be separated with my kids whom I had natured and reared both spiritually and educationally. We revised all KCPE papers for the previous years. Apart from just teaching the students, I was also gaining knowledge. We would have sessions where my students would share ideas, plus I encouraged an interactive class.
During recreation, a bunch of other teachers and I would join the student’s football teams. Life was fun; life was sweet.
On November 24th, my students sat for C.R.E. It is usually the last paper in KCPE. It was the big day. I was happy when my kids came out of the class smiling and others actually hugged me, saying they would make it, but deep inside, I had that feeling that a mother feels when her daughter is getting married, the feeling that she is not yours anymore.
2009 KENYATTA UNIVERSITY
This is a whole different story altogether.
I was so happy to report to campus, beautiful surroundings, which marked an incredible art work and so many pretty ladies. I felt at home and just wanted to be here; I felt I was in the right place. Days went by and just when we were about so sit for our end of semester exams, the worst happened. Kenyatta university students went on strike. I went back home. Little did I know I had become a celebrity in Kirinyaga District.
Apparently, the KCPE results were out and my class had scooped position 1 in the whole of Kirinyaga District. I was overjoyed on that auspicious day, when I received the first trophy in my life, the news spread like bush fire and almost all private schools were calling me promising a better pay. Since we were on strike, I decided to go back to teach but I chose to join a different school. The wise Shepherd Academy, the very place I schooled.
I guess I was effective as I helped improve the discipline and also C.R.E
…………..To be continued
******
Part 3 will be the end it will have a lot to do with Kenyatta University and my life as a Mocality agent come super agent.
Papallary 