Saturday, July 6, 2019

Insurance (Amendment) Act, 2018 Signed into Law

9:33:00 AM  ,  No comments
On 5th July 2018, President Uhuru Kenyatta officially signed the Insurance (Amendment) Bill, 2018. This is a major development for the industry with regard to payment of premiums and addressing insurance fraud. Some of the major highlights are noted below.

Section 156 was repealed and replaced with the following:

156. (1) No insurer shall assume a risk in Kenya in respect of insurance business unless and until the premium payable thereon is received by the insurer.
(2) An intermediary shall not receive any premiums on behalf of an insurer.
(3) An intermediary who contravenes subsection (2) shall be liable to a penalty of one million shillings on each contravention, payable to the Policy Holders Compensation fund.
(4) Any officer or director of an intermediary who contravenes subsection (2) shall be guilty of an offence, and upon conviction shall be liable to a fine not exceeding one hundred thousand shillings or to an imprisonment term of three months, or to both.
(5) An insurer shall pay an intermediary insurance commission due within thirty days upon receipt of premium.
(6) An insurer who contravenes subsection (5) shall be liable to a penalty of five million shillings on each contravention, payable to the Policyholders Compensation Fund.

The act also introduced a legal provision creating offences on insurance fraud, including penalties intended to address the problem of insurance fraud that continues to be a major challenge to the stability of the insurance industry in the country. The amendment further ensures that the Act complies with International Association of Insurance Supervisors (IAIS) standards on countering insurance fraud.
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Monday, April 15, 2019

Music Streaming Services in Kenya

2:20:00 PM  ,  No comments
Thanks to the manufacturers' better understanding of the Kenyan market and the rise of internet connectivity in the country, smartphone use is growing. This means that many services that are generally mobile-first are also finding the Kenyan market more attractive. After all, the internet - especially when in your pocket - is the best way to consume all the general and sports entertainment Kenya and the world has to offer. Still, services like Spotify - the biggest mobile music streaming service today - are not present here. Luckily, there are enough alternatives, both local and international. So, let's take a look at some of the music streaming services that are available in Kenya today.

International

One of the major international music streaming services available in Kenya is Deezer, the company founded in Paris, France, 11 years ago. The service had a very limited catalog at first and only allowed downloads through iTunes (paid downloads, that is). Despite running into financial problems at first, Deezer stayed afloat, secured funding, and continued to grow, becoming a service with more than 14 million active users and 7 million paying subscribers in more than 180 countries, including Kenya.

Another major international music streaming service available in Kenya is - surprise - Apple Music. I say "surprise" because Apple Music is a service available on iPhones only, and only about 3% of the smartphone users in Kenya use an iPhone (according to StatCounter). Student ($4.99), individual ($9.99) and family ($14.99) subscriptions are available here, each one giving locals access to more than 50 million international songs.

Local

"Songa by Safaricom" is a music streaming service available to Safaricom prepaid and postpaid subscribers, in partnership with Sony Music Entertainment. For KSH 499 a month, its users can listen to its library of local and international songs (daily and weekly subscriptions are also available), plus the cost of downloading the songs on mobile. Songa also offers users the possibility to download the songs they like most and listen to them offline.

"Mdundo" is another Kenyan music streaming service founded by Martin Nielsen, a Dutch businessman who has moved to Kenya in the early 2010s. Mdundo.com was launched in 2013, later signing a deal with Airtel and Microsoft. Later, they signed with Warner Music, adding more than 1 million songs from major international artists to their library of over 150,000 African songs from artists in 37 different African countries. Mdundo has a free tier - ad supported - and a paid tier that costs KSH 199 a month.

Until Spotify - and its massive library of 35 million songs - decide to enter the Kenyan market (so far, it is only available in South Africa), there are quite a few alternatives to choose from, most of them with a free option as well. Which one do you use?
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Sunday, March 17, 2019

List of all Education Insurance Policy Providers in Kenya

8:31:00 AM  ,  No comments
An Education Insurance Policy is a type of insurance plan that allows a policyholder set aside regular payments in the form of an insurance premium with a view to funding future school fees needs.

The policy is essentially an endowment insurance policy. Education insurance policies are quite popular in Kenya with a number of insurance companies offering the plans.

The features and benefits differ from company to company. Below is a list of all the education insurance policy providers in Kenya.





 ​​ ​​ ​​ ​​ ​​​​ Policy/Plan Name
Insurance Company
Pru Super Seven Prudential Life Assurance Kenya

Elimika ​​ Education Policy​​
UAP Old Mutual Insurance

Premier Education plan
UAP Old Mutual Insurance

Career Life Lite​​
Jubilee Insurance

Academia Education policy
CIC Insurance

Elimu Bora education plan
Britam Insurance

APA Elimu
APA Insurance

Scholar Education Plan
Liberty Insurance

Educator education plan
Liberty Insurance

Bima ya Karo
Madison Insurance company

Usomi Bora education policy
Insurance Company of East Africa (ICEA)

Educator Plan
CFC Life Assurance Ltd

Education Plan with profits
Apollo Life Assurance Limited

Career Life Gold Education Plans
Jubilee Insurance

Madison Uniplan​​
Madison Insurance Company

E-Plus Policy
Britam Insurance
FlexiEducator Plus Sanlam Life Insurance
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Saturday, September 1, 2018

List of Licensed Saccos 2019

11:24:00 AM  ,  No comments
The following is the official list of licensed and registered Saccos for 2018.



  1. 2NK SACCO SOCIETY LTD P.O BOX 12196 – 10109, NYERI.
  2. AFYA SACCO SOCIETY LTD P.O.BOX 11607 – 00400, NAIROBI.
  3. AGRO-CHEM SACCO SOCIETY LTD P.O BOX 94 – 40107, MUHORONI.
  4. AINABKOI SACCO SOCIETY LTD P.O. BOX 120 – 30101, AINABKOI
  5. ALL CHURCHES SACCO SOCIETY LTD P.O BOX 6957 – 01000, THIKA.
  6. AIRPORTS SACCO SOCIETY LTD P.O. BOX 19001 – 00501, NAIROBI
  7. AMICA SACCO SOCIETY LTD P.O.BOX 816 – 10200, MURANG’A.
  8. ARDHI SACCO SOCIETY LTD P.O. BOX 28782 – 00200, NAIROBI.
  9. ASILI SACCO SOCIETY LTD P.O.BOX 49064 – 00100, NAIROBI.
  10. AZIMA SACCO SOCIETY LTD P.O.BOX 1124 – 01000, THIKA.
  11. BANDARI SACCO SOCIETY LTD P.O.BOX 95011 – 80104, MOMBASA.
  12. BARAKA SACCO SOCIETY LTD P.O.BOX 1548 – 10101, KARATINA.
  13. BARATON UNIVERSITY SACCO SOCIETY LTD P.O BOX 2500 – 30100, ELDORET.
  14. BIASHARA SACCO SOCIETY LTD P.O.BOX 1895 – 10100, NYERI.
  15. BIASHARA TOSHA SACCO SOCIETY LTD P.O BOX 189 – 60101, MANYATTA.
  16. BI-HIGH SACCO SOCIETY LTD P.O.BOX 90 – 60500, MARSABIT.
  17. BINGWA SACCO SOCIETY LTD P.O.BOX 434 – 10300, KERUGOYA.
  18. BORESHA SACCO SOCIETY LTD P.O.BOX 80 – 20103, ELDAMA RAVINE.
  19. CAPITAL SACCO SOCIETY LTD P.O BOX 1479 – 60200, MERU.
  20. CENTENARY SACCO SOCIETY LTD P.O.BOX 1207 – 60200, MERU.
  21. CHAI SACCO SOCIETY LTD P.O.BOX 278 – 00200, NAIROBI.
  22. CHUNA SACCO SOCIETY LTD P.O.BOX 30197 – 00100, NAIROBI.
  23. COMOCO SACCO SOCIETY LTD P.O. BOX 30135 – 00100, NAIROBI
  24. COSMOPOLITAN SACCO SOCIETY LTD P.O.BOX 1931 – 20100, NAKURU.
  25. COUNTY SACCO SOCIETY LTD P.O.BOX 21 – 60103, RUNYENJES.
  26. DAIMA SACCO SOCIETY LTD P.O.BOX 2032 – 60100, EMBU.NO.
  27. DHABITI SACCO SOCIETY LTD P.O.BOX 353 – 60600, MAUA.
  28. DIMKES SACCO SOCIETY LTD P.O.BOX 886 – 00900, KIAMBU.
  29. DUMISHA SACCO SOCIETY LTD P.O BOX 84 – 20600, MARARAL.
  30. ECO-PILLAR SACCO SOCIETY LTD P.O. BOX 48 – 30600, KAPENGURIA
  31. EGERTON SACCO SOCIETY LTD P.O.BOX 178 – 20115, EGERTON.
  32. ELGON TEACHERS SACCO SOCIETY LTD P.O BOX 27 – 50203, KAPSOKWONY.
  33. ELIMU SACCO SOCIETY LTD P.O BOX 10073 – 00100, NAIROBI.
  34. ENEA SACCO SOCIETY LTD P.O.BOX 1836 – 10101, KARATINA.
  35. FARIDI SACCO SOCIETY LTD P.O. BOX 448 – 50400, BUSIA.
  36. FARIJI SACCO SOCIETY LTD P.O.BOX 589 – 00216, GITHUNGURI.
  37. FORTUNE SACCO SOCIETY LTD P.O.BOX 559 – 10300, KERUGOYA.
  38. FUNDILIMA SACCO SOCIETY LTD P.O.BOX 62000 – 00200, NAIROBI.
  39. GITHUNGURI DAIRY & COMMUNITY SACCO SOCIETY LTD P.O.BOX 896 – 00206, GUTHUNGURI.
  40. GOOD HOPE SACCO SOCIETY LTD P.O.BOX 158 – 20500, NAROK
  41. GOODWAY SACCO SOCIETY LTD P.O BOX 626 – 10300, KERUGOYA.
  42. GUSII MWALIMU SACCO SOCIETY LTD P.O.BOX 1335 – 40200, KISII.
  43. HARAMBEE SACCO SOCIETY LTD P.O.BOX 47815 – 00100, NAIROBI.
  44. HAZINA SACCO SOCIETY LTD P.O.BOX 59877 – 00200, NAIROBI.
  45. IG SACCO SOCIETY LTD P.O.BOX 1150 – 50100, KAKAMEGA.
  46. ILKISONKO SACCO SOCIETY LTD P.O BOX 91 – 00209, LOITOKITOK.
  47. IMARIKA SACCO SOCIETY LTD P.O.BOX 712 – 80108, KILIFI.
  48. IMARISHA SACCO SOCIETY LTD P.O.BOX 682 – 20200, KERICHO.
  49. IMENTI SACCO SOCIETY LTD P.O.BOX 3192 – 60200, MERU.
  50. JACARANDA SACCO SOCIETY LTD P.O. BOX 1767 – 00232, RUIRU.
  51. JAMII SACCO SOCIETY LTD P.O.BOX 57929 – 00200, NAIROBI.
  52. JOINAS SACCO SOCIETY LTD P.O.BOX 669 – 00219, KARURI.
  53. KAIMOSI SACCO SOCIETY LTD P.O BOX 153 – 50305, SIRWA.
  54. KATHERA RURAL SACCO SOCIETY LTD P.O BOX 251 – 60202, NKUBU.
  55. KENPIPE SACCO SOCIETY LTD P.O.BOX 314 – 00507, NAIROBI.
  56. KENVERSITY SACCO SOCIETY LTD P.O.BOX 10263 – 00100, NAIROBI.
  57. KENYA ACHIEVAS SACCO SOCIETY LTD P.O. BOX 3080 – 40200, KISII.
  58. KENYA BANKERS SACCO SOCIETY LTD P.O.BOX 73236 – 00200, NAIROBI.
  59. KENYA HIGHLANDS SACCO SOCIETY LTD P.O.BOX 2085 – 20200, KERICHO.
  60. KENYA POLICE SACCO SOCIETY LTD P.O.BOX 51042 – 00200, NAIROBI.
  61. KIMBILIO DAIMA SACCO SOCIETY LTD P.O. BOX 81 – 20225, KIMULOT.
  62. KINGDOM SACCO SOCIETY LTD P.O.BOX 8017 – 00300, NAIROBI.
  63. KIPSIGIS EDIS SACCO SOCIETY LTD P.O BOX 228 – 20400, BOMET.
  64. KITE SACCO SOCIETY LTD P.O.BOX 2073 – 40100, KISUMU.
  65. KITUI TEACHERS SACCO SOCIETY LTD P.O.BOX 254 – 90200, KITUI.
  66. KMFRI SACCO SOCIETY LTD P.O.BOX 80862 – 80100, MOMBASA.
  67. KOLENGE TEA SACCO SOCIETY LTD P.O BOX 291 – 30301, NANDI HILLS.
  68. KORU SACCO SOCIETY LTD P.O. BOX PRIVATE BAG, KORU.
  69. K – PILLAR SACCO SOCIETY LTD P.O.BOX 83 – 20403, MOGOGOSIEK.
  70. K – UNITY SACCO SOCIETY LTD P.O.BOX 268 – 00900, KIAMBU.
  71. KWETU SACCO SOCIETY LTD P.O BOX 818 – 90100, MACHAKOS.
  72. LAINISHA SACCO SOCIETY LTD P.O. BOX 272 –10303, WANG’URU.
  73. LENGO SACCO SOCIETY LTD P.O.BOX 1005 – 80200, MALINDI.
  74. MAFANIKIO SACCO SOCIETY LTD P.O BOX 86515 – 80100, MOMBASA.
  75. MAGADI SACCO SOCIETY LTD P.O.BOX 13 – 00205, MAGADI.
  76. MAGEREZA SACCO SOCIETY LTD P.O.BOX 53131 – 00200, NAIROBI.
  77. MAISHA BORA SACCO SOCIETY LTD P.O.BOX 72713 – 00200, NAIROBI.
  78. MENTOR SACCO SOCIETY LTD P.O.BOX 789 – 10200, MURANG’A.
  79. METROPOLITAN NATIONAL SACCO SOCIETY LTD P.O.BOX 5684 – 00100, NAIROBI.
  80. MMH SACCO SOCIETY LTD P.O.BOX 469 – 60600, MAUA.
  81. MOMBASA PORT SACCO SOCIETY LTD P.O.BOX 95372 – 80104, MOMBASA.NO.
  82. MUDETE TEA GROWERS SACCO SOCIETY LTD P.O.BOX 221 – 50104, KAKAMEGA.
  83. MUKI SACCO SOCIETY LTD P.O BOX 398 – 20318, NORTH KINANGOP.
  84. MWALIMU NATIONAL SACCO SOCIETY LTD P.O.BOX 62641 – 00200, NAIROBI.
  85. MWIETHERI SACCO SOCIETY LTD P.O. BOX 2445 – 60100, EMBU.
  86. MWINGI MWALIMU SACCO SOCIETY LTD P.O BOX 489 – 90400, MWINGI.
  87. MWITO SACCO SOCIETY LTD P.O.BOX 56763 – 00200, NAIROBI.
  88. NACICO SACCO SOCIETY LTD P.O.BOX 34525 – 00100, NAIROBI.
  89. NAFAKA SACCO SOCIETY LTD P.O.BOX 30586 – 00100, NAIROBI.
  90. NANDI FARMERS SACCO SOCIETY LTD P.O BOX 333 – 30301, NANDI HILLS.
  91. NATION SACCO SOCIETY LTD P.O.BOX 22022 – 00400, NAIROBI.
  92. NAWIRI SACCO SOCIETY LTD P.O BOX 400 – 60100, EMBU.
  93. NDEGE CHAI SACCO SOCIETY LTD P.O.BOX 857 – 20200, KERICHO.
  94. NDOSHA SACCO SOCIETY LTD 95.  P.O.BOX 532 – 60401, CHOGORIA – MAARA.
  95. NG’ARISHA SACCO SOCIETY LTD P.O.BOX 1199 – 50200, BUNGOMA.
  96. NOBLE SACCO SOCIETY LTD P.O.BOX 3466 – 30100, ELDORET.
  97. NRS SACCO SOCIETY LTD P. O BOX 575 – 00902, KIKUYU.
  98. NSSF SACCO SOCIETY LTD P.O.BOX 43338 – 00100, NAROBI.
  99. NUFAIKA SACCO SOCIETY LTD P.O BOX 735 – 10300, KERUGOYA.
  100. NYALA VISION SACCO SOCIETY LTD P.O BOX 27 – 20306, NDARAGWA.
  101. NYAMBENE ARIMI SACCO SOCIETY LTD P.O.BOX 493 – 60600, MAUA.
  102. NYAMIRA TEA FARMERS SACCO SOCIETY LTD P.O. BOX 633 – 40500, NYAMIRA.
  103. NYATI SACCO SOCIETY LTD P.O. BOX 7601 – 00200, NAIROBI.
  104. NEW FORTIS SACCO SOCIETY LTD P.O.BOX 1939 – 10100, NYERI.
  105. OLLIN SACCO SOCIETY LTD P.O BOX 83 – 10300, KERUGOYA.
  106. PATNAS SACCO SOCIETY LTD P.O BOX 601 – 20210, LITEIN.
  107. PRIME TIME SACCO P.O. BOX 512 – 30700, ITEN.
  108. PUAN SACCO SOCIETY LTD P.O BOX 404 – 20500, NAROK.
  109. QWETU SACCO SOCIETY LTD P.O BOX 1186 – 80304, WUNDANYI.NO.
  110. RACHUONYO TEACHERS SACCO SOCIETY LTD P.O. BOX 147 – 40332, KOSELE.
  111. SAFARICOM SACCO SOCIETY LTD P.O.BOX 66827 – 00800, NAIROBI.
  112. SHERIA SACCO SOCIETY LTD P.O.BOX 34390 – 00100, NAIROBI.
  113. SHIRIKA SACCO SOCIETY LTD P.O BOX 43429 – 00100, NAIROBI.
  114. SIMBA CHAI SACCO SOCIETY LTD P.O.BOX 977 – 20200, KERICHO.
  115. SIRAJI SACCO SOCIETY LTD P.O.BOX PRIVATE BAG, TIMAU.
  116. SKYLINE SACCO SOCIETY LTD P.O.BOX 660 – 20103, ELDAMA RAVINE.
  117. SMART CHAMPIONS SACCO SOCIETY LTD P.O BOX 64 – 60205, GITHONGO.
  118. SMART LIFE SACCO SOCIETY LTD P.O BOX 118 – 30705, KAPSOWAR.
  119. SOLUTION SACCO SOCIETY LTD P.O.BOX 1694 – 60200, MERU.
  120. SOTICO SACCO SOCIETY LTD P.O.BOX 959 – 20406, SOTIK.
  121. SOUTHERN STAR SACCO SOCIETY LTD P.O BOX 514 – 60400, CHUKA.
  122. SHOPPERS SACCO SOCIETY LTD P.O. BOX 16 – 00507, NAIROBI.
  123. STAKE KENYA SACCO SOCIETY LTD P.O.BOX 208 – 40413, KEHANCHA.
  124. STIMA SACCO SOCIETY LTD P.O.BOX 75629 – 00200, NAIROBI.
  125. SUBA TEACHERS SACCO SOCIETY LTD P.O. BOX 237 – 40305, MBITA.
  126. SUKARI SACCO SOCIETY LTD P.O BOX 841 – 50102, MUMIAS.
  127. SUPA SACCO SOCIETY LTD P.O.BOX 271 – 20600, MARALAL.
  128. TABASAMU SACCO SOCIETY LTD P.O. BOX 123 – 80403, KWALE.
  129. TAI SACCO SOCIETY LTD P.O.BOX 718 – 00216, GITHUNGURI.
  130. TAIFA SACCO SOCIETY LTD P.O.BOX 1649 – 10100, NYERI.
  131. TAQWA SACCO SOCIETY LTD P.O. BOX 10180 – 00100, NAIROBI.
  132. TEMBO SACCO SOCIETY LTD P.O.BOX 91 – 00618, RUARAKA NAIROBI.
  133. TENHOS SACCO SOCIETY LTD P.O.BOX 391 – 20400, BOMET.
  134. THAMANI SACCO SOCIETY LTD P.O.BOX 467 – 60400, CHUKA.
  135. TRANSCOUNTIES SACCO SOCIETY LTD P.O. BOX 2965 – 30200, KITALE.
  136. TRANS NATION SACCO SOCIETY LTD P.O.BOX 15 – 60400, CHUKA.NO.
  137. TIMES U SACCO SOCIETY LTD P.O.BOX 310 – 60202, NKUBU.
  138. TOWER SACCO SOCIETY LTD P.O.BOX 259 – 20303, OL’KALOU.
  139. TRANS – ELITE COUNTY SACCO SOCIETY LTD P.O BOX 547 – 30300, KAPSABET.
  140. TRANSNATIONAL TIMES SACCO SOCIETY LTD P.O. BOX 2274 – 30200, KITALE.
  141. UFANISI SACCO SOCIETY LTD P.O. BOX 2973 – 00200, NAIROBI.
  142. UKRISTO NA UFANISI WA ANGLICANA SACCO SOCIETY LTD P.O BOX 872 – 00605, NAIROBI.
  143. UKULIMA SACO SOCIETY LTD P.O.BOX 44071 – 00100, NAIROBI
  144. UNAITAS SACCO SOCIETY LTD P.O.BOX 38721– 00100, NAIROBI.
  145. UNI–COUNTY SACCO SOCIETY LTD P.O BOX 10132 – 20100, NAKURU.
  146. UNITED NATIONS SACCO SOCIETY LTD P.O.BOX 30552 – 00100, NAIROBI.
  147. UNISON SACCO SOCIETY LTD P.O BOX 414 – 10400, NANYUKI.
  148. UNIVERSAL TRADERS SACCO SOCIETY LTD P.O.BOX 2119 – 90100, MACHAKOS.
  149. VIHIGA COUNTY FARMERS SACCO SOCIETY LTD P.O BOX 309 – 50317, CHAVAKALI.
  150. VIKTAS SACCO SOCIETY LTD P.O BOX 2183 – 20300, NYAHURURU.
  151. VISION POINT SACCO SOCIETY LTD P.O.BOX 42 – 40502, NYANSIONGO.
  152. VISION AFRICA SACCO SOCIETY LTD P.O BOX 18263 – 20100, NAKURU.
  153. WAKENYA PAMOJA SACCO SOCIETY LTD P.O.BOX 829 – 40200, KISII.
  154. WAKULIMA COMMERCIAL SACCO SOCIETY LTD P.O.BOX 232 – 10103, MUKURWENI.
  155. WANA – ANGA SACCO SOCIETY LTD P.O.BOX 34680 – 00100, NAIROBI.
  156. WANANCHI SACCO SOCIETY LTD P.O.BOX 910 – 10106, OTHAYA.
  157. WANANDEGE SACCO SOCIETY LTD P.O.BOX 19074 – 00501, NAIROBI.
  158. WASHA SACCO SOCIETY LTD P.O.BOX 83256 – 80100, MOMBASA.
  159. WAUMINI SACCO SOCIETY LTD P.O.BOX 66121 – 00800, NAIROBI.
  160. WEVARSITY SACCO SOCIETY LTD P.O BOX 873 – 50100, KAKAMEGA.
  161. WINAS SACCO SOCIETY LTD P.O.BOX 696 – 60100, EMBU.
  162. YETU SACCO SOCIETY LTD P.O.BOX 511 – 60202, NKUBU.
  163. JITEGEMEE SACCO SOCIETY LTD P.O. BOX 86937 – 80100, MOMBASA.
  164. NANDI HEKIMA SACCO SOCIETY LTD P.O. BOX 211 – 30300, KAPSABET
  165. NANYUKI EQUATOR SACCO SOCIETY LTD P.O. BOX 1098 – 10400, NANYUKI.
  166. UCHONGAJI SACCO SOCIETY LTD P.O. BOX 92503 – 80102, MOMBASA.


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Saturday, July 21, 2018

Best Things to Do with a Girlfriend in New Jersey

9:45:00 AM    No comments
The state of New Jersey is situated on the territory of the beautiful peninsula. It is considered one of the most colourful and contrasting states of America. There are also large industrial cities, amazing tourist areas, and surprisingly beautiful nature. In any area of the state, you can find interesting sights, but the highest “concentration” of sightseeing objects is on the east coast of the peninsula.

1. Atlantic City 

A significant part of tourists staying in New Jersey goes on vacation in the colourful Atlantic City. It is often called the “second Las Vegas” as the main attractions of the resort town are numerous casinos. The main part of them is concentrated on the central street of the Boardwalk. With the onset of darkness, the street lights up with colourful neon signs and there can be seen incredibly beautiful buildings – real masterpieces of modern architecture.

2. Pinelands National Park 

Particular attention should be paid to the natural attractions of the state. The excursion program will be incomplete without visiting them. The unique natural object in all respects is the Pinelands National Park. It was recently recognized as an object of world significance. A lot of interesting routes are laid along the territory of the reserve. It can be visited only with the help of a guide.

3. Ocean City 

Travellers, who prefer to rest in a more relaxed environment, should go to Ocean City – the resort with a unique aristocratic atmosphere. It attracted the attention of travellers a hundred years ago. Today the resort has an impeccable infrastructure and pleases even the most demanding guests. The choice of entertainment facilities here is no less than in the noisy Jersey City, however, the atmosphere is always very calm and relaxing. Ocean City is considered an elite family resort, so tourists with children are the main visitors of the local beach.

4. Atlantic City Aquarium 

This is the place where you can see the inhabitants of the Atlantic Ocean and exotic seas in all their stunning diversity. More than 100 species of bright fish, several species of sharks that can even be touched, molluscs and arthropods are ready to appear before visitors in several huge reservoirs. Every day, there is a show of feeding of sharks and stingrays, in which you can participate (not as food, of course). And the Atlantic City Aquarium is interesting with its historic building of the late 19th century, in which once the management of pleasure crafts was located.

5. Six Flags Great Adventure 

This amusement park is loved not only by tourists but also by Americans themselves. Today it consists of 11 thematic areas, four of which are built for children. This amusement park is considered to be one of the largest in the world. It also includes the famous safari park Wild Safari. The park also offers a wide variety of water activities. Fans of water parks will be happy – there are pipes, waves, and high slides. Every year, the amusement park is visited by about 30 million people. Most visitors come to the park for the coolest roller coaster called Kingda Ka. By the way, not everyone dares to ride on it. Would you try?

6. New Jersey Botanical Garden 

The New Jersey Botanical Garden, better known as Skylands, is located in the small town of Ringwood, in a mountainous area. Not every tourist comes here and yet there is something to see. This is a unique attraction and just a very beautiful, pleasant place. As a rule, there are no crowds of visitors in Skylands, which means that you can wander around the garden in silence and enjoy the unity with nature.
So, take one of the Russian brides or any other girl and go together!
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Friday, July 6, 2018

Financial Advisor Jobs

8:58:00 AM    No comments
A leading insurance multinational that has created thousands of world-class successful Financial advisors across the globe – in UK, US, Asia, Europe and Africa is seeking Financial Advisors.

What is in for you as a Financial Advisor?


  1. Commissions and benefits: Attractive performance-based earnings and benefits.
  2. Training: We offer best-in-class, structured and results-based training to equip you with the necessary knowledge.
  3. Rewards and Incentives: We have designed and customised rewards and incentives to reward sustained results.
  4. Support: We will offer support, integrated marketing, efficient back office and client service support.
What are the Minimum Requirements to be a Financial Adviser?

    1. 22 years and above.
    2. Minimum of D+ in KCSE. Degree, Diploma or certificate. Additional Tertiary qualifications will be an added advantage.
    3. Strong business focus with an entrepreneurial mind.
    4. Self-driven, passionate and excited about making money

How to apply.

Complete this online https://docs.google.com/forms/d/e/1FAIpQLSf6lUYB7wv3qe389yAj00yh91J-asIYCIZ-PhP9X1Qe5mTSlw/viewform

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Thursday, May 10, 2018

Why You Should Avoid Safaricom's PayPal to Mpesa Like the Plague

10:57:00 AM  , , ,  No comments
I rarely contribute to this site, I have other people do it due to time constraints. However, I am so vexed today I must get this off my chest. I am almost foaming at the mouth because of the antics of Safaricom, PayPal and another company known as TransferTo.

In case, you aren't already aware, Safaricom, PayPal, and TransferTo entered into a partnership a few weeks ago to provide a PayPal to Mpesa money transfer service. In essence, you can now withdraw funds from PayPal and load your Mpesa account via TransferTo. This, as expected, was received positively by the millions of Kenyans who work online.

So, I quickly set up an account on the TransferTo website and did my first transaction for $136.73 on 17th April. It went smoothly. TransferTo's onscreen message advised that I was to receive the funds within three hours and, I did! I was elated! In fact, as soon as you click "Submit" on the TransferTo site, Safaricom also sends you a message letting you know how long to wait for your money and the amount to expect.

A few days later on 27the April, 1st May and again on 4th May, I did three more transactions, all without a glitch.

The Unthinkable...

And then, on May 8th, the unthinkable happened. Having gotten accustomed (somewhat) to the process, I withdrew $181.09 and got the usual onscreen message from TransferTo and a text message from Safaricom, both advising me that I would receive the money within two hours. Safaricom's message read, "Your withdrawal of USD 181.09 from your PayPal is being processed. You should receive 17, 616 in your M-PESA in 2 hours." For those familiar with TransferTo, you are also aware that their onscreen message usually provides a specific ETA. In my case, it said, "within two hours".

Identifying the Problem

I withdrew the funds around 5:20 pm on 8th May 2018 and was, therefore, expecting the funds to hit my M-pesa latest 7:30pm that evening. At around 8pm, I retrieved my phone from the charger and was surprised to find my M-Pesa uncredited. Curious, I fired up my computer and logged into PayPal to check if the transaction had failed (or something). The transaction record didn't show anything amiss. See the screen capture below. The transaction cleared smoothly from PayPal to TransferTo.



Having established there was nothing wrong with PayPal's end, I took to Twitter and asked @Safaricom_care. I have embedded the tweets below.




Flaccid Support

Note the last tweet. After I tell them the expected wait time, they ask me to be patient and to expect a confirmation message without offering, at the very least, an indication of how long that will take. So, I ask...

And, they respond...

Essentially, they wash their hands of the matter and direct me to PayPal. I fire off one more comment but they refuse (run away) to respond, so I take the fight to PayPal and TransferTo via Twitter. I also log into TransferTo and send them a support request via their site and a message on Facebook Messenger. Screenshots follow:




PayPal and TransferTo totally failed to respond despite several additional tweets and emails until 9th May at around 4am. I woke up and found a response to my Tweet and FB from TransferTo.



PayPal also requested further information via DM.

So, I did exactly that. I provided PayPal with more information and waited for further communication from TransferTo.

It Gets Interesting...

The answers I received left me in total shock. See below.

First, TransferTo came back and blamed Safaricom.


And, just I was reading this message from TransferTo, blaming Safaricom for a technical issue, my phone buzzed and I saw a DM from PayPal stating as follows:


Utter Confusion!

So, what is the true position? Is Safaricom the problem or did PayPal's internal security system place a hold on my money? I'm I unreasonable to expect a unified position given that these three firms are partners in this PayPal to Mpesa thing!

To make matter worse, a few minutes later on 9th May 2018 at 10:30 am, Safaricom sent me a text message advising me that the transaction could not be completed and advised me to contact paypal-mobilemoney.com (TransferTo)...further confusion. My money was effectively in no man's land!

The Takeaway 

The events described above have taught me three hard lessons about the PayPal to Mpesa service by these three firms:

  1. Safaricom is clueless - They will give you canned responses and avoid giving you any straight answers. When you push them, they run for the hills and refer you back to PayPal. 
  2. Support from all three is Flaccid - Flaccid means weak, ineffective. When you use this service and have a problem, you should expect nothing more than weak and ineffective support. 
  3. Deceptive and unprofessional communication - don't believe the onscreen message from TransferTo giving you a timeline (in my case 2 hours). From my experience, that message simply isn't true. They will refer to you to their fine print which says three days when you complain. 



Viable Alternatives

Stick to Equity Bank. I have used them in the past without incident. They take three days but the fee is only 1.5% compared to Safaricom's 3%. There are also individuals and small companies such as ExchangePesa by Martin Karugu that offer an instant service and have proven reliable.

Have you encountered something similar? Please share in the comments section.


Update: The money was eventually refunded and I withdrew it instantly via ExchangePesa.

Kihara Kimachia



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Friday, May 4, 2018

Jumia Launches Crazy TV Deals!

7:46:00 AM  ,  No comments
In a campaign dubbed 'TV Mania" Jumia is offering rock bottom prices on a wide range of TV models. The campaign will run from May 21st, 2018 to June 2nd, 2018. Customers have the opportunity to acquire TV and Decoders sets at heavily discounted prices of up to 50%.

Check out some of the deals below or visit the Jumia Website.




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Friday, April 27, 2018

List of Swimming Pool Contractors in Kenya

9:00:00 AM  ,  No comments
Are you looking for a swimming pool contractor to put a pool for you? Whether you are looking for a commercial pool or a pool for your dream home, the following are some of the best swimming pool contractors in Kenya that money can buy.

Constructed by Aqua Blue Ltd


  • Karani Swimming Pool Services
  • Kisio Swimming Pools
  • Pool Shop East Africa
  • Ecoliff East Africa
  • Waterways Africa


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Tuesday, April 3, 2018

List of Mpesa Agents Abroad

8:00:00 AM  , ,  No comments
Do you want to send money home from abroad? Safaricom's M-Pesa service is the fastest way to send money home. All you need is to locate and M-Pesa agent abroad. The following is a list of Mpesa agents in the UK, US, Europe, Australia and other places abroad.


Azimo

MoneyGram

MTN Rwanda

MTN Uganda

P2P Cash

Post Finance

Rocket Remit

Skrill

SkyForex

Transfer Galaxy

Vodacom Tanzania

Western Union

WorldRemit

XendPay

Xpress Money

Source

Safaricom

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