Thursday, March 21, 2024

"Maximizing Your Money: Investing in Money Market Funds for Low-Risk Growth"

 Investing in a money market fund can be a smart and low-risk way to grow your money. Money market funds are a type of mutual fund that invests in short-term, high-quality debt securities like government bonds, treasury bills, and commercial paper. They are considered to be very safe investments because they typically have a stable net asset value (NAV) of $1 per share.



To start investing in a money market fund, the first step is to do your research and find a reputable fund that meets your investment goals. Look for funds with low expenses and a history of strong performance. Once you have chosen a fund, you can open an account with a brokerage firm or directly with the fund company.

Next, you will need to decide how much money you want to invest in the money market fund. You can typically start with as little as $1,000 or even less, depending on the fund. Once you have invested your money, the fund will automatically invest it in a diversified portfolio of short-term securities.

One of the key benefits of investing in a money market fund is that they offer liquidity, meaning you can easily access your money when you need it. This makes them a great option for short-term savings or as a place to park your cash while you decide on other investment opportunities.



Overall, investing in a money market fund is a simple and low-risk way to grow your money. By doing your research, choosing a reputable fund, and monitoring your investments, you can set yourself up for financial success. So why not consider adding a money market fund to your investment portfolio today?

Friday, June 23, 2023

Top 6 lesson learned from the book-" You Are a Badass


 Top 6 lesson learned from  the book-" You Are a Badass " 


1)Why You Must Live in the Present Moment


You must practice living in the present moment because, according to Jen Sincero, living in the present unites you with Vortex/God and raises your frequency. A higher frequency enables you to attract higher-frequency experiences such as abundance, joy, laughter, and bliss.


2)You Have a Shadow Self and a True Self


Your shadow self, the Ego, is guided by your limiting beliefs, and it either lives in the past or future. It is unaware that you are connected to your surroundings, and it loves praise and validation.


Conversely, your true self is in alignment with God/Spirit, and it often strives to attract a reality that matches your true potential.


3)Trust Your Intuition


Always trust your intuition because your intuition is your inner guidance that has all the answers you need. Stop taking people’s advice and rely on your intuition when making decisions or taking action.


4)Why You Must Meditate


Meditation enables you to fall in alignment with Source Energy/Universal Energy. This alignment strengthens your intuition, relaxes you, puts you in a good mood, raises your frequency, and brings you in the present moment.


5)The Importance of Gratitude


According to Jen Sincero, you must practice gratitude because it moves you nearer to Source Energy/God and makes it easy for you to manifest the things you want. You must also practice gratitude because when in gratitude, you release positive energy which comes back to you.


6)How to Practice Gratitude


The best way to be thankful is to practice seeing the positive side of everything that happens. Always find reasons to make every occurrence a good one. If you lose your job don’t focus on how life might be hard without a salary. Instead, realize that being jobless will allow you to go after what you truly want in life

Thursday, June 15, 2023

Baic HTML

 HTML stands for Hypertext Markup Language. It is the standard markup language used for creating web pages and applications on the internet. HTML uses a series of tags to structure the content and define the elements of a web page.

HTML documents consist of a series of nested elements, also known as tags, that are enclosed within angle brackets ("<" and ">"). These tags define the structure and presentation of the content on a web page. For example, the "<p>" tag is used to define a paragraph, the "<h1>" to "<h6>" tags are used for headings, and the "<a>" tag is used to create links.

Here's a simple example of an HTML document:

html
<!DOCTYPE html> <html> <head> <title>My First Web Page</title> </head> <body> <h1>Welcome to My Web Page</h1> <p>This is a paragraph of text.</p> <a href="https://www.example.com">Click here</a> to visit Example.com. </body> </html>

In the example above, the "<html>" tag represents the root of the HTML document. The "<head>" element contains meta-information about the document, such as the title displayed in the browser's title bar. The "<body>" element contains the visible content of the web page, including headings, paragraphs, and links.

HTML allows you to structure and format text, add images, create lists, embed multimedia, and much more. It is the foundation of web development and is often combined with CSS (Cascading Style Sheets) and JavaScript to create interactive and visually appealing websites.


Wednesday, May 31, 2023

PSYCHOLOGY FACTS


 Here are some interesting psychology facts:

  1. The mere act of smiling can elevate your mood, even if you don't feel particularly happy at the moment.

  2. People who spend money on experiences rather than material possessions tend to be happier in the long run.

  3. Multitasking is a myth. Our brains are not designed to focus on multiple tasks simultaneously, and attempting to do so can decrease productivity.

  4. Studies have shown that spending time in nature can reduce stress, improve mood, and enhance mental well-being.

  5. Writing down your thoughts and feelings in a journal can help reduce anxiety and promote self-reflection.

  6. The "Zeigarnik effect" states that unfinished tasks tend to stay in our minds until they are completed. This can lead to a preoccupation with unfinished business.

  7. The "bystander effect" refers to the phenomenon where individuals are less likely to help a person in need when others are present. This is because of the diffusion of responsibility.

  8. Eye contact plays a crucial role in social interactions. Sustained eye contact can promote feelings of trust and connection.

  9. The "placebo effect" is a phenomenon where a person experiences a perceived improvement in their condition after receiving a treatment that has no therapeutic value. This highlights the power of the mind in influencing physical well-being.

  10. Our brains are wired to remember negative experiences more vividly than positive ones. This is known as the "negativity bias" and can contribute to anxiety and pessimism.

  11. Physical exercise has been shown to have numerous mental health benefits, including reducing symptoms of depression and anxiety.

  12. Sleep deprivation can significantly impair cognitive functions, such as attention, memory, and decision-making.

  13. The "Hawthorne effect" occurs when individuals modify their behavior in response to being observed. This can result in improved performance or changes in behavior.

  14. The "confirmation bias" is the tendency to seek and interpret information in a way that confirms our preexisting beliefs or hypotheses, while ignoring or dismissing conflicting evidence.

  15. Human memory is highly susceptible to distortion and can be influenced by external factors, leading to false memories.

Remember that these facts are generalizations and may not apply to every individual. Psychology is a complex field, and indi

Thursday, March 30, 2023

The Rise of African Nationalism in Kenya

 

The Rise of African Nationalism in Kenya

Introduction: What is African Nationalism? Nationalism can be defined simply as a feeling of belonging and commitment; by an individual or groups of people to the geopolitical area they defined as their motherland. A nationalist therefore is an individual who has such strong feelings for his country that he or she is ready and willing to defend that country and keep out foreigners who might want to occupy it or interfere with it in any way. If the country has already been occupied by foreigners, the nationalist will do everything possible to get them out: This feeling of belonging to one country may be based on shared cultural, historical, political and other experiences which bind the people in a country together and make them feel that they have something unique in common which makes them different from others. Although nationalism has been said to have begun in Europe after the collapse of feudalism, it is quite evident that nationalism as defined above has existed among different societies and communities through the ages. For example, members of an ethnic group occupying a distinct geographical area and having their own government usually develop a strong feeling of belonging to that group as opposed to any other group. This could be called ethnic nationalism. Nationalism has to do with one's identification with people with whom he shares similar geographical, political, cultural and other experiences such as history. In the African context, nationalism has been defined as a feeling of national consciousness, awareness by people that they are members of a nation state created by the colonial powers. These people have been subjected to the same colonial experience, an experience that made them develop a feeling and sense of belonging to one and the same group. Nationalism in Africa was expressed in anti-colonial terms as the desire for freedom from colonial rule. Colonial powers had imposed an alien rule over the African people and this was rejected right from the start as an illegitimate system. Besides its illegitimacy colonial rule was also harsh and repressive and this made it even more detestable. All these experiences made Africans come together in defiance of the imposed system.

 In the Kenyan context the people of Kenya, though from diverse etlmic backgrounds had a strong feeling of belonging to the colonial nation state of Kenya, They felt committed and proud in this nation and developed a strong desire to liberate it from colonial power, Britain. This nationalism developed among the people of Kenya because they shared the same colonial experience, the same geographical area and adopted many aspects of English culture. Several factors accounted for the rise of African nationalism in Kenya, namely:

 

 

The Kipande System

 The Kipande system, which compelled all adult male Africans in the country to carry an identity card wherever they went, was introduced in 1915. However it was not enforced until 1920 by the Native Registration Ordinance.

 It was racist in the sense that only Africans had to carry it. Moreover, it had to show the name of the carrier's employer and this was seen as an attempt at forcing the Africans to provide cheap labor to the European settlers.

The great Depression

The 1920's and 1930's witnessed the Great Depression, which resulted in serious economic hardships in the country. Prices of many commodities rose, and yet the colonial government proposed wage reductions for African workers of up to thirty per cent. This caused hardships to Africans. Redundancies were rampant, unemployment rose further worsening the situation.

Forced Labour

From the beginning of the colonial rule compulsion had been used in order to obtain cheap labour for the construction of colonial government administrative posts, roads and for the    European settlers. The in 1918 the Governor Sir Edward Narthey, issued a circular to the effect that all chiefs must supply a given number of force to obtain the required number. This policy made Africans resistant and rebellious to colonial chiefs.

 

 

Rapid Change of Currency

 Between 1920 and 1921 the official currency changed twice.

The rupee was first changed to the florin and then shortly after, the shilling was introduced.

This not only caused anxiety among the people but also led to loss of savings.

The Change of the Country's Status

In 1920s the British government changed the official status of the country from the British East Africa Protectorate to Kenya colony. The Africans were uncertain about the future and they felt more insecure in a colony than in a protectorate.

The issue of female circumcision

The issue of female circumcision contributed a lot towards African nationalism in the 1920s and 1930s; the missionaries expelled circumcised girls from their schools together with other African people who supported the practice and other traditional values like polygamy. Africans had no alternative but to establish their own independent schools and churches. This movement was stronger among the Agikuyu.

 

 

 

 

 

There was by then a large number of mission educated Africans, to organize the nationalist political association. These educated young men working and living together in the urban included the wage earners and the elite urban dwellers.

Political Organisations The kikuyu Association (K.A)

 This was formed in 191.9 by Paramount Chief Kinyanjui (Patron) and Chief Koinange wa Mbui (President). Its aim was to ask for the return of the alienated Agikuyu lands and to seek an assurance that no more of their land would be alienated. In 1921, the association sent a memorandum to the government asking for a meeting to discuss the two issues. They were granted a baraza on June 24' 1921 at Dagorett at which the speaker also condemned forced labour, but and poll taxes and Kipande System. They also asked for land title deeds as a means of ensuring security of tenure. The Kikuyu Association was basically a grouping of conservative colonial chiefs. It was mild in its demands and wished to restrict itself to constitutional method in attempt to improve the conditions of the Agikuyu.

The Young Kikuyu Association (YKA)

It was formed in June 10, 1921 by Harry Thuku in order to present the views of the younger generation at the June 24 Dagoretti baraza. It demanded land title deeds, abolition of the Kipande System and opposed the reduction of African wages.

The Young Kikuyu Association differed with the Kikuyu Association over the latter co-operation with the colonial government and was more radical. YKA changed its name to East African Association.

 

Alienation of Land

In addition to the already alienated white highlands, the colonial government alienated land around Kakamega following the discovery of gold in that area in the early 1930s. This was a thickly populated African Reserve. The colonial government dispossessed many people from the area as they embarked on the exploitation of the precious mineral. This stirred great discontent among the people.

Compulsory Destocking

 In the mid-1930s the colonial authorities introduced compulsory destocking campaigns in some parts of the country particularly in Ukambani. This was a soil — conservation exercise but many Africans viewed it as a measure aimed at supplying cheap livestock for slaughter to the newly opened meat factory at Athi River town.

Other grievances pre-dating 1920s In addition to the above factors there were other grievances predating the 1920s e.g. the discriminatory but tax and the ban on the Africans from growing cash crops and raising grade cattle.

Furthermore there was racial discrimination and segregation against Africans. Africans were denied civil and political rights e.g. they were not allowed to vote .they were not represented in the Leg Co. they were denied employment as middle or senior civil servants. They were segregated in school, hospitals residential areas, restaurants etc.

 

 

 

The East Africa Association (EAA)

 It was formed on 1st July 1921 by former members of the Y.K.A as the first nationwide political party in the country. Among other things, it addressed itself to the change of the country's status from protectorate to colony, the reduction of the wages of African workers, forced labour, but tax, the Kipande System and land alienation.

It also demanded African representation in the Legco, election on a common voter's roll and an expansion to the education facilities for Africans.

The colonial government was so alarmed by the radicalism of the EAA that on March 14th 1922 they arrested its president, Harry Thuku and charged him with incitement and sedition. Violent demonstrations broke out in Nairobi, with people demanding Thuku's release. Many were shot dead outside the central police station and others wounded. Thuku was deported to kismayu and the EAA banned.

The association, however, had some achievements: the authoritarian governor„ Sir Edward Northey, was withdrawn from the country; a missionary Dr. John Arthur was nominated to represent African interests in the Legco.

And the Devonshire White paper recognized that Kenya was an African country and the interests of Africans were paramount. Besides, the massacre of demonstrators attracted international attention to the country and forced the colonial government to at least pay up service to African interests.

 

The Young Kavirondo Association

 It was founded on Dec, 23rd. 1921 at a meeting held at Gem by the teachers and former students of the Maseno School. The officials were Jonathan Okwiri (President) and Benjamin Owuor (Secretary and Simon Nyende (Treasurer).

They sent a petition to the Chief Native commissioner over the following demands: autonomy for Nyanza province, abolition of the Kipande system, reduction of but and poll taxes, title deed for African land owners, an end to forced labour and the disbandment of labour recruitment coups in the region; the rescinding of the new colony Q1 Status for the country an expansion in education facilities for the Africans and the appointment of paramount chiefs.

The colonial government expressed concern over these demands. In July 1923, following request from the government, Archdeacon Owen of the Maseno Diocese assumed the presidency of the YKA and transformed it from a political party to a mild welfare association.

The Kavirondo Tax Payers Welfare Association (KTWA) It was formed in July 1923, when Archdeacon Owen of the CMS Maseno Diocese took over the presidency of the YKA. The P.0 and DCS in Nyanza were the other officials in addition to J. Okwiri et al. The KTWA concentrated its attention on social and welfare issues like education on and hygiene. It also called for a demarcation of African reserves and the provision of title deeds to African land — owners. The association further opposed forced labour. It sought co-operation with the colonial authorities and appeared for racial harmony. It shed away from mass political rallies and used only memoranda in its demands.

 

The Kikuyu Central Association

 This was the most dynamic of all the inter-war African political Associations. It was founded in 1924 at Kahula in Muranga by Joseph Kangethe (president), Jesse Kariki (Vice President), Henry Gichuru (secretary) and Job Muchuchu (Treasurer). Its demands included the return of lienated land, an end to the restriction on the growing of cash crops, the need for the translation of laws into the Gikuyu language, the expansion of medical and educational facilities and the release of Harryg Thuku. In 1927 nthe association transferred its HQ to Nairobi. Jommo Kenyatta became its secretary in 1928 and in 1929 editor of its magazine Muigwithawa.

 In 1929 and again 1931 Kenyatta was sent by the association with petitions to the colonial Secretary in London. During the 1930s, the KCA actively involved itself in the establishment of independent schools and churches.

The Ukamba Members Association (UMA)

It was formed in Dec. 1937 by Muindi Mbingu (President) and Elijah Kavula (Vice President) and Isaac Mwalonzi (secretary) at Ngelani in Iveti. Its most celebrated activity was tge 1938 opposition to compulsory destocking as a means of controlling soil erosion. On 29th July, 1938, Muindi led over 2000 people with their livestock in a long protest march from Machakos to Nairobi.

 The Akamba interpreted destocking as an unfair means of forcing them to supply slaughter cattle to Liebig Meat Factory ast Athi River town. On 4th October, 1938, Muindi was arrested for his part in the protests march and deported to Lamu, where he was confined until 1946. However, the destocking campaign was officially abandoned on 1st Dec. 1938.

 

The Taita Hills Association (THA)

This was formed at Voi by Mengo Woresha (President) and Jimmy Mwambichi (Secretary) to demand the return of alienated Taita lands and economic development. In Feb 1940, the THA organized a four-day strike at Voi to protest against a proposed destocking campaign. The association leaders were arrested and deported to Kapenguria. However, destocking was abandoned.

The Coast African Association

 It was formed in 1943 in Mombasa to champion the welfare of the Africa people in Coast Province. Between 1943-1948 the CAA sent several memoranda to the government demanding: the placement of illiterate chiefs with educate Africans in the LNCS, appointment of African administrative officers, and expansion of African education, especially the upgrading of Shimo-la-Tewa to a high school with the exception of KTWA, these associations were proscribed in May 1940 because of the Second World War.

The Struggle for Independence in Kenya (1939-1963)

 Kenya experienced a sharp increase in Africa nationalism after the Second World War; resulting in an intensification of the struggle for independence several factors were responsible for this.

1.      The Atlantic Charter. Signed in 1941 between the British prime Minister, Sir Winston Churchill, and the President of the U.S.A., Franklin Roosevelt, stated that from the end of the War all peoples of the world should have the right to choose the type of government under which they would wish to live.

 

2. The experience of the African Soldiers in the Second World War. These greatly increased their political awareness, after the war, the demobilization of the soldiers left thousands of unemployed and disgruntled Africans who took the lead in political agitation

 3. The Independence of India and Pakistan in 1947. This encouraged Kenyans in their determination to de free.

4. The emergence of new Super-powers. The U.S.A. and the USSR emerged as the new most powerful nations and campaigned for independence of the colonized countries.

5. The emergence of the UNO: through this body many countries lobbied for independence of the colonized people.

6. The unbanning of African political activity. Africans were allowed again to inform political associations after the war.

Political and Military Organization

The Kenya African Study Union (KASU) and the Kenya African Union (KAU)

The Kenya African union was founded on Oct. 1st, 1944 by Harry Thuku (president). Its aims were two-fold: to advise Eliud Mathu on the grievances of Africans which he could rise in the Legco, and to provide a country wide organization for the advancement of African interests.

 In Nov. 1944, the Governor persuaded Thuku to change the name of the union (KASU) making it a mere debating club to discuss African social welfare. This annoyed some members and in January 1945 they denounced Harry Thuku as a loyalist and forced him to resign.

 

At the second annual delegate's conference held in Feb, 6th 1946, KASU reverted to its original name and declared its new aims as being to:

 > Unite all the African people in the country.

 > Demand the introduction of democracy.

> Fight for equal rights for all Africans.

On 1st June 1947, Jomo Kenyatta was elected President of KAU. He revitalized the union by making it a mass political party with branches all over the country; its aims and demand were expanded to include the following for Africans:

Self-government.

> More seats in the Legco.

> More land for their use.

> Abolition of the Kipande System.

 > Improvement of the working and housing conditions.

  Equal pay for equal work.

On June 10 1951, KAU demanded independence within three years and Achieng Oneko represented the Union at a UN conference in Paris, where they called for an urgent solution to land shortage for an urgent solution to land shortage for Africans in a petition entitled "Land Hunger in Kenya". In 1951, radical members of the branch of KAU began to administer oaths to its members to join the Mau Mau liberation struggle. On October 20, 1952 KAU leaders were arrested and charged with managing Mau Mau movement and emergency was declared. On June 8, 1953, KAU was proscribed.

"Maximizing Your Money: Investing in Money Market Funds for Low-Risk Growth"

 Investing in a money market fund can be a smart and low-risk way to grow your money. Money market funds are a type of mutual fund that inve...