Mortgage refinance simply means consolidating all your outstanding mortgages into one mortgage then repaying all your mortgages as one.Unknown to many,this is the simplest way to avoid the hassle which comes with servicing several mortgages at the same time.
Mortgage refinancing is a practise which has been around for several decades especially in developed countries.Doing a mortgage refinance is easier as doing a debt consolidation.It involves approaching your mortgage provider and requesting for a bigger mortgage which will repay all the outstanding mortgages.
In Kenya,Mortgage Refinance has taken root especially on Real Estate investors who are taking the advantage of this practise to enable them do several investments at the same time.Companies like S & L,and Housing finance do encourage this practise in order to assist their customers reduce the rates of Mortgage repayment since all outstanding rates are consolidated and paid as one .
The main reason why several people are considering this practise of Mortgage Refinance is that it reduces the amount of rates paid to mortgage lenders while at the same it give a peace of mind since now you get to concentrate on repaying only one mortgage.
Mortgage Refinancing will also help the lenders to do a fair lending practise in terms of repayment rates since the customer does feel the full pinch when doing a repayment since all rates are calculated at the time of mortgage refinance and could be affected if inflation rates takes on the country's economy
Stopping Spam From Your Inbox
There is nothing disgusting like waking up one day and having your Gmail Account disabled because it cant hold the number of messages coming in.Having the correct Anti Spam software's and filters on your network can help you arrest spam messages and delete them automatically.
Anti Spam Software's work closely with mail provider companies to identify messages which are potential spam by checking on how far that message has spread on the Internet and the kind of Keywords contained in that message.
Most Spam originate from Western Africa Countries spreading scam although there is a white spam originating from developed countries like the US which purport to give out free coupons,TV's and Free and free Pay TV connection
Once a spam message has been arrested,it should either be deleted or sent to a spam folder inside your email box.ISP's also can block that user account if its suspected to be sending spam messages to their clients
There are several Anti spam Software's you can use to stop spam messages which you can download on the Internet today.Download and install them at your local machine.Thy will help you to arrest spam in your inbox
Anti Spam Software's work closely with mail provider companies to identify messages which are potential spam by checking on how far that message has spread on the Internet and the kind of Keywords contained in that message.
Most Spam originate from Western Africa Countries spreading scam although there is a white spam originating from developed countries like the US which purport to give out free coupons,TV's and Free and free Pay TV connection
Once a spam message has been arrested,it should either be deleted or sent to a spam folder inside your email box.ISP's also can block that user account if its suspected to be sending spam messages to their clients
There are several Anti spam Software's you can use to stop spam messages which you can download on the Internet today.Download and install them at your local machine.Thy will help you to arrest spam in your inbox
forex trading in Kenya
Kenyans have not been left behind in forex trading business.Walk into major streets on Nairobi and you will really witness the mushrooming of forex bureaus in the city.This business is not knew as it has taken root in almost all major cities in the world.
Currently,the business has taken a new route,nowadays most Kenyan's operate their businesses online.Being a virtual online forex trader is very easy and does not require much capital to start.In fact,most companies which are operating online,volunteer to give you starting capital and also will give you free training to ensure you dont loose your money before you recover your investment.
Forex trading is a lucrative business and you can make thousands of dollars a day for just assisting others to exchange their currencies in return for commissions and fees.I know some guys who are in the business and they are doing very well.All you need is a laptop with a fast Internet connection to get you started.
Sign up with any major forex trader online like forex.com,gcitrading.com or finexo.com.These guys will give you the necessary training to get you started including free trading platform and capital.
I wish you all the best as you try out
Currently,the business has taken a new route,nowadays most Kenyan's operate their businesses online.Being a virtual online forex trader is very easy and does not require much capital to start.In fact,most companies which are operating online,volunteer to give you starting capital and also will give you free training to ensure you dont loose your money before you recover your investment.
Forex trading is a lucrative business and you can make thousands of dollars a day for just assisting others to exchange their currencies in return for commissions and fees.I know some guys who are in the business and they are doing very well.All you need is a laptop with a fast Internet connection to get you started.
Sign up with any major forex trader online like forex.com,gcitrading.com or finexo.com.These guys will give you the necessary training to get you started including free trading platform and capital.
I wish you all the best as you try out
long distance learning takes root in Kenya
Nowadays,most Kenyans are shelving their plans of going abroad to get top certifications from some of the renowned universities in the world.Thanks to the Internet and what is currently known as long distance learning.Currently,you can get your Bachelors and Master degree by enrolling yourself for online classes in a university of your own choice in the US,UK or Canada.
From Languages,arts to science degrees,it seems long distance online learning is gaining popularity day after day.US Universities and Colleges are leading the pack of those institutions which have established virtual classrooms online.They have several clients in Kenya and are getting much more by the day.Kenyans too like their programs because its said they are a bit cheaper than traveling to the US.
The other main reason why so many Kenyan are falling for log distance online training is that classes are flexible and you can take your classes at any time of the day much to your personal convenience.Universities like Harvard,Oxford and MIT have online portals which are so advanced making your interaction with your tutor much more easily ie you can ask your question and get them answered in Real time.
Long distance learning has also enabled those in the working class to keep their jobs as they are schooling.Apart from making their classes flexible,they can educate themselves using their own salaries rather than go overseas which is more expensive and the likelihood of loosing their jobs when they depart the country.
With the anticipation of landing of the optic fibre we expect much more Kenyans to take online distance courses and the rate of those going overseas for their higher education to reduce significantly
From Languages,arts to science degrees,it seems long distance online learning is gaining popularity day after day.US Universities and Colleges are leading the pack of those institutions which have established virtual classrooms online.They have several clients in Kenya and are getting much more by the day.Kenyans too like their programs because its said they are a bit cheaper than traveling to the US.
The other main reason why so many Kenyan are falling for log distance online training is that classes are flexible and you can take your classes at any time of the day much to your personal convenience.Universities like Harvard,Oxford and MIT have online portals which are so advanced making your interaction with your tutor much more easily ie you can ask your question and get them answered in Real time.
Long distance learning has also enabled those in the working class to keep their jobs as they are schooling.Apart from making their classes flexible,they can educate themselves using their own salaries rather than go overseas which is more expensive and the likelihood of loosing their jobs when they depart the country.
With the anticipation of landing of the optic fibre we expect much more Kenyans to take online distance courses and the rate of those going overseas for their higher education to reduce significantly
Plunging youself into loan consolidation
What many people don't understand is how they can tame their debts and live a humble life when everything seems to be unbearable.Just like student loan consolidation,debt or loan consolidation can help you take grip of your finances as you struggle to adjust your financial life.
What keeps many people at bay away from engaging in this professional practise is that they don't understand the concept of consolidation ie how it can be employed in their financial life and what benefits it holds for them.
Loans consolidation has been around for centuries across the world and it entails the use of bigger loans from funding institutions to counter small several loans which had been taken from the same institutions like banks
There are several reasons why people go for this practise but the main reason is for one to get financial rest from several lenders and will prefer to deal with only one of them.For many people especially the small business owners,at one point they are forced to approach a number of lenders who dispatch small loans to them,and you find that servicing those loans at the same time,in itself is a stress.When this happens..they end up approaching a bigger lending institution which extends it helping hand and gives a bigger loan which in turn is used to service all other floating loans
Debt or loan consolidation its a practise that yo should emulate when you realise that all is not well in your financial life.Its advisable to see a financial counsellor before trying this service.All the best
What keeps many people at bay away from engaging in this professional practise is that they don't understand the concept of consolidation ie how it can be employed in their financial life and what benefits it holds for them.
Loans consolidation has been around for centuries across the world and it entails the use of bigger loans from funding institutions to counter small several loans which had been taken from the same institutions like banks
There are several reasons why people go for this practise but the main reason is for one to get financial rest from several lenders and will prefer to deal with only one of them.For many people especially the small business owners,at one point they are forced to approach a number of lenders who dispatch small loans to them,and you find that servicing those loans at the same time,in itself is a stress.When this happens..they end up approaching a bigger lending institution which extends it helping hand and gives a bigger loan which in turn is used to service all other floating loans
Debt or loan consolidation its a practise that yo should emulate when you realise that all is not well in your financial life.Its advisable to see a financial counsellor before trying this service.All the best
Best E-Commerce Websites In Kenya
Today am just bored and dont have a good plan for my day.Yesterday i received an Email from one of my readers asking me to cover on some of the best designed E-commerce Websites used by Kenyan's.I have been looking at some of those websites since morning ie the quality of the domain name,where the website is hosted and who actually designed the website.These are the top three Ecommerce websites in Kenya
1.Ourupower.com
Very sleek with a unique design.Contains all features which you can only expect to find at Amazon or Ebay.Gives customers User Accounts,Shopping History with upto three Addresses where your goods can be delivered to.Used by Kenyan's abroad especially by those who come from Nyanza Province.The Website is hosted at Secure Servers n the USA and is designed by a Kenyan from Nairobi only Known as Okari.We believe this is number:+254728243885.It does well with search engines and ranked number 2 on Google Page rank.
2.Babawatoto.com
Though very well designed,it takes some time to load.Caters for Kenyan's especially those in Europe.One thing or feature which caught my attention is that you cn send money by MPESA to your kin in Kenya from anywhre on the globe.The site is hosted in the USA and they dont mention the guy who designed it.
3.Duka.biz
Actually this website is the oldest in Kenya's Ecommerce market.Though it seemed they lacked focus at one point,they have some following who shop through them.Well ranked in Google but i think they should redisgn it to create a brand of its own.
Do you of any which might be better than these?Hit my comment link
1.Ourupower.com
Very sleek with a unique design.Contains all features which you can only expect to find at Amazon or Ebay.Gives customers User Accounts,Shopping History with upto three Addresses where your goods can be delivered to.Used by Kenyan's abroad especially by those who come from Nyanza Province.The Website is hosted at Secure Servers n the USA and is designed by a Kenyan from Nairobi only Known as Okari.We believe this is number:+254728243885.It does well with search engines and ranked number 2 on Google Page rank.
2.Babawatoto.com
Though very well designed,it takes some time to load.Caters for Kenyan's especially those in Europe.One thing or feature which caught my attention is that you cn send money by MPESA to your kin in Kenya from anywhre on the globe.The site is hosted in the USA and they dont mention the guy who designed it.
3.Duka.biz
Actually this website is the oldest in Kenya's Ecommerce market.Though it seemed they lacked focus at one point,they have some following who shop through them.Well ranked in Google but i think they should redisgn it to create a brand of its own.
Do you of any which might be better than these?Hit my comment link
Mombasa,Kenya Encounters
Some people who visit the coastal town of Mombasa usually don't know how to get maximum pleasure and luxury at low cost at this port city.From cheap Hotels at the coastal City to renting of used cars and having maximum at beach cottages,you must be smart to navigate your pleasure on this town.
Though many say that its easier to go into Mombasa than coming out of it...the saying may be true because we have heard many cases of use of hard drugs and cheap sex at the coastal beaches.You must be careful on this otherwise you will be drowned by the same.
South Coast is dominated by luxury Villas and Hotels facing the Indian Ocean.The area is less populated and is common to foreign tourists led by Italians.There is a number of renowned Hotels Hotels in this region led by Alliance Hotel group.The only problem with this area is that its perceived to be the area reserved for the elite class of the society
I like the North Coast because here you get a chance to interact with the community,learn their culture and even taste the famous Mnazi.Malindi is one of this region.From Malindi you can easily visit Vasco Dagama Pillar and the Fort Jesus.The area is dominated by Italians who also happen to own much property here
Mombasa is very humid hence you can walk out at night an have some fun at beaches like Jomo Kenyatta Public Beach.Life in Mombasa town isn't that expensive because with only $20 you can have a decent meal in a serene environment.
Though many say that its easier to go into Mombasa than coming out of it...the saying may be true because we have heard many cases of use of hard drugs and cheap sex at the coastal beaches.You must be careful on this otherwise you will be drowned by the same.
South Coast is dominated by luxury Villas and Hotels facing the Indian Ocean.The area is less populated and is common to foreign tourists led by Italians.There is a number of renowned Hotels Hotels in this region led by Alliance Hotel group.The only problem with this area is that its perceived to be the area reserved for the elite class of the society
I like the North Coast because here you get a chance to interact with the community,learn their culture and even taste the famous Mnazi.Malindi is one of this region.From Malindi you can easily visit Vasco Dagama Pillar and the Fort Jesus.The area is dominated by Italians who also happen to own much property here
Mombasa is very humid hence you can walk out at night an have some fun at beaches like Jomo Kenyatta Public Beach.Life in Mombasa town isn't that expensive because with only $20 you can have a decent meal in a serene environment.
Just why you need a business plan
Drafting a business plan before taking any step to start your own small business is very important step in actualization of your business dream.
A business plan is like its your own resume.Any time you will be going out to source funds for your business--it will help you to identify yourself to lenders and others who may be willing to work with you.
It will help you to for see what you are doing and even when problems occurs,its easier to solve them when you have your business plan with you
In many times,a business plan is used to illustrate the vision and passion you have for your own business and hence helps you to persuade others help you to support your business
It helps to understand that actually you have a concept which when acted upon can yield required results
There are two types of business plans
1.Concept Presentation Plan
Typically they hold between 10 to 24 pages.They describe your vision basically in terms of concept,products,your principles,targeted market and the trends in the industry you want to venture in.This kind of business plan does not project the foreseen profit margins
2. Full Financial Business Plan.
Usually used by entrepreneurs who start their own business by borrowing capital from lenders.Can consist between 25-100 pages.Usually contains all the elements of a concept presentation plan but will include your total cost of your intended business and the return of investment from your business in terms of profit
So next time when you want to start to start your own business,consider preparing your own business plan
A business plan is like its your own resume.Any time you will be going out to source funds for your business--it will help you to identify yourself to lenders and others who may be willing to work with you.
It will help you to for see what you are doing and even when problems occurs,its easier to solve them when you have your business plan with you
In many times,a business plan is used to illustrate the vision and passion you have for your own business and hence helps you to persuade others help you to support your business
It helps to understand that actually you have a concept which when acted upon can yield required results
There are two types of business plans
1.Concept Presentation Plan
Typically they hold between 10 to 24 pages.They describe your vision basically in terms of concept,products,your principles,targeted market and the trends in the industry you want to venture in.This kind of business plan does not project the foreseen profit margins
2. Full Financial Business Plan.
Usually used by entrepreneurs who start their own business by borrowing capital from lenders.Can consist between 25-100 pages.Usually contains all the elements of a concept presentation plan but will include your total cost of your intended business and the return of investment from your business in terms of profit
So next time when you want to start to start your own business,consider preparing your own business plan
Most profitable business oportunities in kenya
If there is one challenging thing when you are ready to start a small business here in Kenya is where,when and how profitable the business will be.Starting a small business is not an easy thing.From legislation by authorities to finding the required capital,this means that you must be be smart for you to hit the right target.
The important thing though is that you must be well versed with the kind of business you want to indulge in.In Kenya,there is money.....but getting the right connections is all what you need in order to succeed.
Lets consider some of the small businesses you can give a hand
1.Import Business
The pros will tell you that this is the best business so far which you can start and succeed easily.Kenyan's are looking unto India,China and Dubai for import of Electronics,Clothes and even used Computers.If you have capital,try this....but be well educated about the taxation at the Port Of Mombasa ie how KRA taxes on all imported goods.Getting the right brokers will also boost your business
2.Kenya's ICT Industry
If you have interest with computers,Kenya is yearning for your business.From cyber cafes,repair shops,BPO's,manpower training-there is great potential in this industry in Kenya
3.The Matatu Idustry
Though loosing flavour nowadays,this industry still performs well.All you need is second hand vans from japan and Dubai and you are set to go.If you move your vehicles away from Nairobi and Central Kenya region,the more it will perform.There are crooks in these regions who are waiting for your vehicle on the road to help them make a living through illegal taxation.
4.Nairobi Stock Exchange
Commonly known as the lace for the haves,currently even the little mama mboga can venture into this business of selling and buying shares.All you need is information about minute to minute happenings at the NSE.Buy when shares have dipped low then sell them when they appreciated in value
The important thing though is that you must be well versed with the kind of business you want to indulge in.In Kenya,there is money.....but getting the right connections is all what you need in order to succeed.
Lets consider some of the small businesses you can give a hand
1.Import Business
The pros will tell you that this is the best business so far which you can start and succeed easily.Kenyan's are looking unto India,China and Dubai for import of Electronics,Clothes and even used Computers.If you have capital,try this....but be well educated about the taxation at the Port Of Mombasa ie how KRA taxes on all imported goods.Getting the right brokers will also boost your business
2.Kenya's ICT Industry
If you have interest with computers,Kenya is yearning for your business.From cyber cafes,repair shops,BPO's,manpower training-there is great potential in this industry in Kenya
3.The Matatu Idustry
Though loosing flavour nowadays,this industry still performs well.All you need is second hand vans from japan and Dubai and you are set to go.If you move your vehicles away from Nairobi and Central Kenya region,the more it will perform.There are crooks in these regions who are waiting for your vehicle on the road to help them make a living through illegal taxation.
4.Nairobi Stock Exchange
Commonly known as the lace for the haves,currently even the little mama mboga can venture into this business of selling and buying shares.All you need is information about minute to minute happenings at the NSE.Buy when shares have dipped low then sell them when they appreciated in value
Delta Airlines threatens to cancel the Kenyan deal
Kenya is in doubt whether the much anticipated virgin flight which was to be made by Delta Airlines early in June will be there.According to insiders at the PM office and at the American Embassy in Nairobi,Delta Airlines may be forced to cancel the deal which could have made it the first airline to operate directly from their hub in Atlanta to Nairobi via Dakar in Senegal.
Citing frustrations about Jomo Kenyatta International Airport security arrangements,George Muhoho is again on the spotlight over his failure to fulfill requirements proposed by the American Government on the security provison at the JKIA.
Cancelling the deal will cost Kenya dearly as it would have enabled tourists and other passengers to get direct flights from Nairobi to major cities in the US via Delta Airlines hub in Atlanta.This would have boosted our ailing tourism hence leading to growth of our economy.
If at all the virgin flight will not materialise on June 2,then all of us will have to direct our anger to one and only George Muhoho for letting the country down.For many of us who are foes to him and who feel the man should have been retired,it will indeed confirm our fears that the man could nolonger govern the affairs of our international airport.
Citing frustrations about Jomo Kenyatta International Airport security arrangements,George Muhoho is again on the spotlight over his failure to fulfill requirements proposed by the American Government on the security provison at the JKIA.
Cancelling the deal will cost Kenya dearly as it would have enabled tourists and other passengers to get direct flights from Nairobi to major cities in the US via Delta Airlines hub in Atlanta.This would have boosted our ailing tourism hence leading to growth of our economy.
If at all the virgin flight will not materialise on June 2,then all of us will have to direct our anger to one and only George Muhoho for letting the country down.For many of us who are foes to him and who feel the man should have been retired,it will indeed confirm our fears that the man could nolonger govern the affairs of our international airport.
The Carnival and Church Hill Show
Have you been at the recording session of the renowned program on Kenyan Television-Church Hill live?Then you must be understanding what i mean.The Carnival Restaurant on Nairobi's Langata Rd has been the hunting ground recently and the hunted seems to like it.Young women flock to the recording Hall not to watch Church Hill Antics on stage but to get hooked with sugar boys attending the concert.And do you know the end result?The crazy 'celebrations' usually end up in posh hotels at the Nairobi's CBD
For many who have been observing this program on TV,you can bear me witness that there is a clique of girls who never miss on the show.It has now been revealed that some of these girls are mere prostitutes who are out to hook Clients at Church Hill Show.And to many unsuspecting guys.....what started as a mere request at Face book...end them up in crazy situations with no alternative but to sleep with these girls in restaurants and hotels in Nairobi.
We also have some information that there is a an apartment around Dagoretti Corner which is usually booked on the recording day of the show and which is now suspected to be used by these guys to offer a night to guys who attend the show.Before you get ripped off of your Ksh.10000 on Church Hill Next Show be on the look out....especially from Facebook Pals.
For many who have been observing this program on TV,you can bear me witness that there is a clique of girls who never miss on the show.It has now been revealed that some of these girls are mere prostitutes who are out to hook Clients at Church Hill Show.And to many unsuspecting guys.....what started as a mere request at Face book...end them up in crazy situations with no alternative but to sleep with these girls in restaurants and hotels in Nairobi.
We also have some information that there is a an apartment around Dagoretti Corner which is usually booked on the recording day of the show and which is now suspected to be used by these guys to offer a night to guys who attend the show.Before you get ripped off of your Ksh.10000 on Church Hill Next Show be on the look out....especially from Facebook Pals.
The rot at UN Offices In Nairobi.KENYA
So you had applied for a job at the Nairobi's UN Offices... or at least your company is seeking for a tender to renovate some buildings or supply some vegetables or meat to the offices.There is one thing you are not aware.........you wont be getting that tender or job soon because of a web of cartels that have been operating at the United Nation's Gigiri Offices in Nairobi.
Personally i have encountered the cartels on several occasions in a bid to have my company supply the offices with Laptops.There is one person whom i cannot name here who works under UNEP's IT Department.This guy told me that in order to get a tender of supplying the offices with Laptops,i should use somebody who is well connected at management level.To make matters worse,he told me that i had to part with $ 1000 as good will in order to get the tender....of coz when i refused,i have never had any tender with these guys sice then.
The same is happening in their recruitment section.If you don't know anybody working at the offices...your application to the offices may as well termed as an exercise in futility.Although getting a job at any UN office worldwide requires that you must have a degree,at the Gigiri offices i know several people sitting in high offices with mere Diplomas.With this happening with full knowledge of the United Nations Management Council in New York,then we dont expect any fairness in any of the dealings with the UN.No wonder why Former UNEP Director was demoted under very unclear circumstances
Personally i have encountered the cartels on several occasions in a bid to have my company supply the offices with Laptops.There is one person whom i cannot name here who works under UNEP's IT Department.This guy told me that in order to get a tender of supplying the offices with Laptops,i should use somebody who is well connected at management level.To make matters worse,he told me that i had to part with $ 1000 as good will in order to get the tender....of coz when i refused,i have never had any tender with these guys sice then.
The same is happening in their recruitment section.If you don't know anybody working at the offices...your application to the offices may as well termed as an exercise in futility.Although getting a job at any UN office worldwide requires that you must have a degree,at the Gigiri offices i know several people sitting in high offices with mere Diplomas.With this happening with full knowledge of the United Nations Management Council in New York,then we dont expect any fairness in any of the dealings with the UN.No wonder why Former UNEP Director was demoted under very unclear circumstances
Kenyan lawyers can Be Tricksters
There is nothing disturbing like being defrauded by somebody whom you believed can assist you get what is rightfully yours.There has been numerous complaints from the public that Kenyan lawyers have been stealing from them unknowingly.
This has been occasioned because we have several backstreet 'lawyers' who want to make a quick buck from their clients.Most affected are those seeking insurance claims from several insurance companies around the city ie Nairobi.
Today we have complied a list of five lawyers who have proofed to work to their clients aspiration.We have not heard any public complaint about these lawyers and we believe that their services are genuine and you can engage them in your future dealings without any fear of conning you
1.Jesse Kariuki and Company Advocates
Cell: +254-721-552643
2.J.M.Waiganjo and Company Advocates
Cell: +254-722-303 779
3.Ahmednasir Abdikadir & Co. Advocates
Phone: +254 20 2217886
4.H M Ongeri & Associates
Phone: 952-697-3690
5.Kabiru & Co. Advocates Nairobi, Kenya
This has been occasioned because we have several backstreet 'lawyers' who want to make a quick buck from their clients.Most affected are those seeking insurance claims from several insurance companies around the city ie Nairobi.
Today we have complied a list of five lawyers who have proofed to work to their clients aspiration.We have not heard any public complaint about these lawyers and we believe that their services are genuine and you can engage them in your future dealings without any fear of conning you
1.Jesse Kariuki and Company Advocates
Cell: +254-721-552643
2.J.M.Waiganjo and Company Advocates
Cell: +254-722-303 779
3.Ahmednasir Abdikadir & Co. Advocates
Phone: +254 20 2217886
4.H M Ongeri & Associates
Phone: 952-697-3690
5.Kabiru & Co. Advocates Nairobi, Kenya
Phone: 254-020-221903
How to repay your Helb loan easily in kenya
Unknown to many Kenyon's is that the"Free" loans given to them by the Higher Education Loans Board will at one time come to haunt them.Student loans can make you live a desperate life especially if you don't know how gonna pay them
Many Kenyon's especially the youngster who have left college recently don't what is termed commonly in the western world what is commonly known as student loans consolidation programs.......although many will be posturing around as graduates who carry Bachelors in several business courses.
This is how Student loan consolidation can work for you if you are in Kenya
1.If you have finished your college recently and you were lucky that you got a job somewhere immediately,then you are on the right track to repay your loans
2.If i were you at this moment,i will certainly approach my banker and request for a soft loan which can cover all HELB loan.I will immediately handover the cash to HELB and say bye to them.I belief Ksh.600,000 will do
3.Approach your banker once more,tell him that you want to repay your loan at the shortest time possible.Saying this to them ...they will end up being enticed and being soft on you.Give them a half of your salary for at least six months before you knock at them once more
4.This time round as for a more vigorous loan.Repay the current remaining loan balance and use the rest to start yourself a small business venture.Doing this you could have set yourself for a more smooth ride
5.Having done this,you could have consolidated your debts.Agree on a soft percentage you will be paying to your banker,improve your small business and the ride of your life i in Kenya will be smooth forever
Many Kenyon's especially the youngster who have left college recently don't what is termed commonly in the western world what is commonly known as student loans consolidation programs.......although many will be posturing around as graduates who carry Bachelors in several business courses.
This is how Student loan consolidation can work for you if you are in Kenya
1.If you have finished your college recently and you were lucky that you got a job somewhere immediately,then you are on the right track to repay your loans
2.If i were you at this moment,i will certainly approach my banker and request for a soft loan which can cover all HELB loan.I will immediately handover the cash to HELB and say bye to them.I belief Ksh.600,000 will do
3.Approach your banker once more,tell him that you want to repay your loan at the shortest time possible.Saying this to them ...they will end up being enticed and being soft on you.Give them a half of your salary for at least six months before you knock at them once more
4.This time round as for a more vigorous loan.Repay the current remaining loan balance and use the rest to start yourself a small business venture.Doing this you could have set yourself for a more smooth ride
5.Having done this,you could have consolidated your debts.Agree on a soft percentage you will be paying to your banker,improve your small business and the ride of your life i in Kenya will be smooth forever
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