Author Archives: Wycliffe G. Makworo

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Obama’s Farewell Speech to the Nation that has Made the Audience Cry Again

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Hello Skybrook!

It’s good to be home!

Thank you, everybody!

Thank you.

Thank you.

Thank you so much, thank you. Thank you. Thank you.

It’s good to be home.

Thank you.

We’re on live TV here, I’ve got to move.

You can tell that I’m a lame duck, because nobody is following instructions.

Everybody have a seat.

My fellow Americans, Michelle and I have been so touched by all the well-wishes that we’ve received over the past few weeks. But tonight it’s my turn to say thanks.

Whether we have seen eye-to-eye or rarely agreed at all, my conversations with you, the American people — in living rooms and in schools; at farms and on factory floors; at diners and on distant military outposts — those conversations are what have kept me honest, and kept me inspired, and kept me going. And every day, I have learned from you. You made me a better president, and you made me a better man.

So I first came to Chicago when I was in my early twenties, and I was still trying to figure out who I was; still searching for a purpose to my life. And it was a neighborhood not far from here where I began working with church groups in the shadows of closed steel mills.

It was on these streets where I witnessed the power of faith, and the quiet dignity of working people in the face of struggle and loss.


I can’t do that.

Now this is where I learned that change only happens when ordinary people get involved, and they get engaged, and they come together to demand it.

After eight years as your president, I still believe that. And it’s not just my belief. It’s the beating heart of our American idea — our bold experiment in self-government.

It’s the conviction that we are all created equal, endowed by our creator with certain unalienable rights, among them life, liberty, and the pursuit of happiness.

It’s the insistence that these rights, while self-evident, have never been self-executing; that We, the People, through the instrument of our democracy, can form a more perfect union.

What a radical idea, the great gift that our Founders gave to us. The freedom to chase our individual dreams through our sweat, and toil, and imagination — and the imperative to strive together as well, to achieve a common good, a greater good.

For 240 years, our nation’s call to citizenship has given work and purpose to each new generation. It’s what led patriots to choose republic over tyranny, pioneers to trek west, slaves to brave that makeshift railroad to freedom.

It’s what pulled immigrants and refugees across oceans and the Rio Grande. It’s what pushed women to reach for the ballot. It’s what powered workers to organize. It’s why GIs gave their lives at Omaha Beach and Iwo Jima; Iraq and Afghanistan — and why men and women from Selma to Stonewall were prepared to give theirs as well.

So that’s what we mean when we say America is exceptional. Not that our nation has been flawless from the start, but that we have shown the capacity to change, and make life better for those who follow.

Yes, our progress has been uneven. The work of democracy has always been hard. It has been contentious. Sometimes it has been bloody. For every two steps forward, it often feels we take one step back. But the long sweep of America has been defined by forward motion, a constant widening of our founding creed to embrace all, and not just some.

If I had told you eight years ago that America would reverse a great recession, reboot our auto industry, and unleash the longest stretch of job creation in our history — if I had told you that we would open up a new chapter with the Cuban people, shut down Iran’s nuclear weapons program without firing a shot, take out the mastermind of 9-11 — if I had told you that we would win marriage equality and secure the right to health insurance for another 20 million of our fellow citizens — if I had told you all that, you might have said our sights were set a little too high.

But that’s what we did. That’s what you did. You were the change. The answer to people’s hopes and, because of you, by almost every measure, America is a better, stronger place than it was when we started.

In 10 days the world will witness a hallmark of our democracy. No, no, no, no, no. The peaceful transfer of power from one freely-elected President to the next. I committed to President-Elect Trump that my administration would ensure the smoothest possible transition, just as President Bush did for me.

Because it’s up to all of us to make sure our government can help us meet the many challenges we still face. We have what we need to do so. We have everything we need to meet those challenges. After all, we remain the wealthiest, most powerful, and most respected nation on earth.

Our youth, our drive, our diversity and openness, our boundless capacity for risk and reinvention means that the future should be ours. But that potential will only be realized if our democracy works. Only if our politics better reflects the decency of our people. Only if all of us, regardless of party affiliation or particular interests help restore the sense of common purpose that we so badly need right now.

And that’s what I want to focus on tonight, the state of our democracy. Understand democracy does not require uniformity. Our founders argued, they quarreled, and eventually they compromised. They expected us to do the same. But they knew that democracy does require a basic sense of solidarity. The idea that, for all our outward differences, we’re all in this together, that we rise or fall as one.

There have been moments throughout our history that threatened that solidarity. And the beginning of this century has been one of those times. A shrinking world, growing inequality, demographic change, and the specter of terrorism. These forces haven’t just tested our security and our prosperity, but are testing our democracy as well. And how we meet these challenges to our democracy will determine our ability to educate our kids and create good jobs and protect our homeland.

In other words, it will determine our future. To begin with, our democracy won’t work without a sense that everyone has economic opportunity.

And the good news is that today the economy is growing again. Wages, incomes, home values and retirement accounts are all rising again. Poverty is falling again.

The wealthy are paying a fair share of taxes. Even as the stock market shatters records, the unemployment rate is near a 10-year low. The uninsured rate has never, ever been lower.

Health care costs are rising at the slowest rate in 50 years. And I’ve said, and I mean it, anyone can put together a plan that is demonstrably better than the improvements we’ve made to our health care system, that covers as many people at less cost, I will publicly support it.

Because that, after all, is why we serve. Not to score points or take credit. But to make people’s lives better.

But, for all the real progress that we’ve made, we know it’s not enough. Our economy doesn’t work as well or grow as fast when a few prosper at the expense of a growing middle class, and ladders for folks who want to get into the middle class.

That’s the economic argument. But stark inequality is also corrosive to our democratic idea. While the top 1 percent has amassed a bigger share of wealth and income, too many of our families in inner cities and in rural counties have been left behind.

The laid off factory worker, the waitress or health care worker who’s just barely getting by and struggling to pay the bills. Convinced that the game is fixed against them. That their government only serves the interest of the powerful. That’s a recipe for more cynicism and polarization in our politics.

Now there’re no quick fixes to this long-term trend. I agree, our trade should be fair and not just free. But the next wave of economic dislocations won’t come from overseas. It will come from the relentless pace of automation that makes a lot of good middle class jobs obsolete.

And so we’re going to have to forge a new social compact to guarantee all our kids the education they need.

To give workers the power…

… to unionize for better wages.

To update the social safety net to reflect the way we live now.

And make more reforms to the tax code so corporations and the individuals who reap the most from this new economy don’t avoid their obligations to the country that’s made their very success possible.


We can argue about how to best achieve these goals. But we can’t be complacent about the goals themselves. For if we don’t create opportunity for all people, the disaffection and division that has stalled our progress will only sharpen in years to come.

There’s a second threat to our democracy. And this one is as old as our nation itself.

After my election there was talk of a post-racial America. And such a vision, however well intended, was never realistic. Race remains a potent…

… and often divisive force in our society.

Now I’ve lived long enough to know that race relations are better than they were 10 or 20 or 30 years ago, no matter what some folks say.

You can see it not just in statistics. You see it in the attitudes of young Americans across the political spectrum. But we’re not where we need to be. And all of us have more work to do.

If every economic issue is framed as a struggle between a hardworking white middle class and an undeserving minority, then workers of all shades are going to be left fighting for scraps while the wealthy withdraw further into their private enclaves.

If we’re unwilling to invest in the children of immigrants, just because they don’t look like us, we will diminish the prospects of our own children — because those brown kids will represent a larger and larger share of America’s workforce.

And we have shown that our economy doesn’t have to be a zero-sum game. Last year, incomes rose for all races, all age groups, for men and for women.

So if we’re going to be serious about race going forward, we need to uphold laws against discrimination — in hiring, and in housing, and in education, and in the criminal justice system.

That is what our Constitution and highest ideals require.

But laws alone won’t be enough. Hearts must change. It won’t change overnight. Social attitudes oftentimes take generations to change. But if our democracy is to work the way it should in this increasingly diverse nation, then each one of us need to try to heed the advice of a great character in American fiction, Atticus Finch, who said “You never really understand a person until you consider things from his point of view, until you climb into his skin and walk around in it.”

For blacks and other minority groups, that means tying our own very real struggles for justice to the challenges that a lot of people in this country face. Not only the refugee or the immigrant or the rural poor or the transgender American, but also the middle-aged white guy who from the outside may seem like he’s got all the advantages, but has seen his world upended by economic, and cultural, and technological change.

We have to pay attention and listen.

For white Americans, it means acknowledging that the effects of slavery and Jim Crow didn’t suddenly vanish in the ’60s; that when minority groups voice discontent, they’re not just engaging in reverse racism or practicing political correctness; when they wage peaceful protest, they’re not demanding special treatment, but the equal treatment that our founders promised.

For native-born Americans, it means reminding ourselves that the stereotypes about immigrants today were said, almost word for word, about the Irish, and Italians, and Poles, who it was said were going to destroy the fundamental character of America. And as it turned out, America wasn’t weakened by the presence of these newcomers; these newcomers embraced this nation’s creed, and this nation was strengthened.

So regardless of the station we occupy; we all have to try harder; we all have to start with the premise that each of our fellow citizens loves this country just as much as we do; that they value hard work and family just like we do; that their children are just as curious and hopeful and worthy of love as our own.

And that’s not easy to do. For too many of us it’s become safer to retreat into our own bubbles, whether in our neighborhoods, or on college campuses, or places of worship, or especially our social media feeds, surrounded by people who look like us and share the same political outlook and never challenge our assumptions. In the rise of naked partisanship and increasing economic and regional stratification, the splintering of our media into a channel for every taste, all this makes this great sorting seem natural, even inevitable.

And increasingly we become so secure in our bubbles that we start accepting only information, whether it’s true or not, that fits our opinions, instead of basing our opinions on the evidence that is out there.

And this trend represents a third threat to our democracy. Look, politics is a battle of ideas. That’s how our democracy was designed. In the course of a healthy debate, we prioritize different goals, and the different means of reaching them. But without some common baseline of facts, without a willingness to admit new information and concede that your opponent might be making a fair point, and that science and reason matter, then we’re going to keep talking past each other.

And we’ll make common ground and compromise impossible. And isn’t that part of what so often makes politics dispiriting? How can elected officials rage about deficits when we propose to spend money on pre-school for kids, but not when we’re cutting taxes for corporations?

How do we excuse ethical lapses in our own party, but pounce when the other party does the same thing? It’s not just dishonest, it’s selective sorting of the facts. It’s self-defeating because, as my mom used to tell me, reality has a way of catching up with you.

Take the challenge of climate change. In just eight years we’ve halved our dependence on foreign oil, we’ve doubled our renewable energy, we’ve led the world to an agreement that (at) the promise to save this planet.

But without bolder action, our children won’t have time to debate the existence of climate change. They’ll be busy dealing with its effects. More environmental disasters, more economic disruptions, waves of climate refugees seeking sanctuary. Now we can and should argue about the best approach to solve the problem. But to simply deny the problem not only betrays future generations, it betrays the essential spirit of this country, the essential spirit of innovation and practical problem-solving that guided our founders.

It is that spirit — it is that spirit born of the enlightenment that made us an economic powerhouse. The spirit that took flight at Kitty Hawk and Cape Canaveral, the spirit that cures disease and put a computer in every pocket, it’s that spirit. A faith in reason and enterprise, and the primacy of right over might, that allowed us to resist the lure of fascism and tyranny during the Great Depression, that allowed us to build a post-World War II order with other democracies.

An order based not just on military power or national affiliations, but built on principles, the rule of law, human rights, freedom of religion and speech and assembly and an independent press.

That order is now being challenged. First by violent fanatics who claim to speak for Islam. More recently by autocrats in foreign capitals who seek free markets in open democracies and civil society itself as a threat to their power.

The peril each poses to our democracy is more far reaching than a car bomb or a missile. They represent the fear of change. The fear of people who look or speak or pray differently. A contempt for the rule of law that holds leaders accountable. An intolerance of dissent and free thought. A belief that the sword or the gun or the bomb or the propaganda machine is the ultimate arbiter of what’s true and what’s right.

Because of the extraordinary courage of our men and women in uniform. Because of our intelligence officers and law enforcement and diplomats who support our troops…

… no foreign terrorist organization has successfully planned and executed an attack on our homeland these past eight years.

And although…

… Boston and Orlando and San Bernardino and Fort Hood remind us of how dangerous radicalization can be, our law enforcement agencies are more effective and vigilant than ever. We have taken out tens of thousands of terrorists, including Bin Laden.

The global coalition we’re leading against ISIL has taken out their leaders and taken away about half their territory. ISIL will be destroyed. And no one who threatens America will ever be safe.

And all who serve or have served — it has been the honor of my lifetime to be your commander-in-chief.

And we all owe you a deep debt of gratitude.

But, protecting our way of life, that’s not just the job of our military. Democracy can buckle when it gives into fear. So just as we as citizens must remain vigilant against external aggression, we must guard against a weakening of the values that make us who we are.

And that’s why for the past eight years I’ve worked to put the fight against terrorism on a firmer legal footing. That’s why we’ve ended torture, worked to close Gitmo, reformed our laws governing surveillance to protect privacy and civil liberties.

That’s why I reject discrimination against Muslim Americans…

… who are just as patriotic as we are.

That’s why…

That’s why we cannot withdraw…

That’s why we cannot withdraw from big global fights to expand democracy and human rights and women’s rights and LGBT rights.

No matter how imperfect our efforts, no matter how expedient ignoring such values may seem, that’s part of defending America. For the fight against extremism and intolerance and sectarianism and chauvinism are of a piece with the fight against authoritarianism and nationalist aggression. If the scope of freedom and respect for the rule of law shrinks around the world, the likelihood of war within and between nations increases, and our own freedoms will eventually be threatened.

So let’s be vigilant, but not afraid. ISIL will try to kill innocent people. But they cannot defeat America unless we betray our Constitution and our principles in the fight.

Rivals like Russia or China cannot match our influence around the world — unless we give up what we stand for, and turn ourselves into just another big country that bullies smaller neighbors.

Which brings me to my final point — our democracy is threatened whenever we take it for granted.

All of us, regardless of party, should be throwing ourselves into the task of rebuilding our democratic institutions.

When voting rates in America are some of the lowest among advanced democracies, we should be making it easier, not harder, to vote.

When trust in our institutions is low, we should reduce the corrosive influence of money in our politics, and insist on the principles of transparency and ethics in public service. When Congress is dysfunctional, we should draw our districts to encourage politicians to cater to common sense and not rigid extremes.

But remember, none of this happens on its own. All of this depends on our participation; on each of us accepting the responsibility of citizenship, regardless of which way the pendulum of power happens to be swinging.

Our Constitution is a remarkable, beautiful gift. But it’s really just a piece of parchment. It has no power on its own. We, the people, give it power. We, the people, give it meaning — with our participation, and with the choices that we make and the alliances that we forge.

Whether or not we stand up for our freedoms. Whether or not we respect and enforce the rule of law, that’s up to us. America is no fragile thing. But the gains of our long journey to freedom are not assured.

In his own farewell address, George Washington wrote that self-government is the underpinning of our safety, prosperity, and liberty, but “from different causes and from different quarters much pains will be taken… to weaken in your minds the conviction of this truth.”

And so we have to preserve this truth with “jealous anxiety;” that we should reject “the first dawning of every attempt to alienate any portion of our country from the rest or to enfeeble the sacred ties” that make us one.

America, we weaken those ties when we allow our political dialogue to become so corrosive that people of good character aren’t even willing to enter into public service. So course with rancor that Americans with whom we disagree are seen, not just as misguided, but as malevolent. We weaken those ties when we define some of us as more American than others.

When we write off the whole system as inevitably corrupt. And when we sit back and blame the leaders we elect without examining our own role in electing them.

It falls to each of us to be those anxious, jealous guardians of our democracy. Embrace the joyous task we have been given to continually try to improve this great nation of ours because, for all our outward differences, we in fact all share the same proud type, the most important office in a democracy, citizen.

Citizen. So, you see, that’s what our democracy demands. It needs you. Not just when there’s an election, not just when you own narrow interest is at stake, but over the full span of a lifetime. If you’re tired of arguing with strangers on the Internet, try talking with one of them in real life.

If something needs fixing, then lace up your shoes and do some organizing.

If you’re disappointed by your elected officials, grab a clip board, get some signatures, and run for office yourself.

Show up, dive in, stay at it. Sometimes you’ll win, sometimes you’ll lose. Presuming a reservoir in goodness, that can be a risk. And there will be times when the process will disappoint you. But for those of us fortunate enough to have been part of this one and to see it up close, let me tell you, it can energize and inspire. And more often than not, your faith in America and in Americans will be confirmed. Mine sure has been.

Over the course of these eight years, I’ve seen the hopeful faces of young graduates and our newest military officers. I have mourned with grieving families searching for answers, and found grace in a Charleston church. I’ve seen our scientists help a paralyzed man regain his sense of touch. I’ve seen Wounded Warriors who at points were given up for dead walk again.

I’ve seen our doctors and volunteers rebuild after earthquakes and stop pandemics in their tracks. I’ve seen the youngest of children remind us through their actions and through their generosity of our obligations to care for refugees or work for peace and, above all, to look out for each other. So that faith that I placed all those years ago, not far from here, in the power of ordinary Americans to bring about change, that faith has been rewarded in ways I could not have possibly imagined.

And I hope your faith has too. Some of you here tonight or watching at home, you were there with us in 2004 and 2008, 2012.

Maybe you still can’t believe we pulled this whole thing off.

Let me tell you, you’re not the only ones.


Michelle LaVaughn Robinson of the South Side…

… for the past 25 years you have not only been my wife and mother of my children, you have been my best friend.

You took on a role you didn’t ask for. And you made it your own with grace and with grit and with style, and good humor.

You made the White House a place that belongs to everybody.

And a new generation sets its sights higher because it has you as a role model.

You have made me proud, and you have made the country proud.

Malia and Sasha…

… under the strangest of circumstances you have become two amazing young women.

You are smart and you are beautiful. But more importantly, you are kind and you are thoughtful and you are full of passion.


… you wore the burden of years in the spotlight so easily. Of all that I have done in my life, I am most proud to be your dad.

To Joe Biden…

… the scrappy kid from Scranton…

… who became Delaware’s favorite son. You were the first decision I made as a nominee, and it was the best.

Not just because you have been a great vice president, but because in the bargain I gained a brother. And we love you and Jill like family. And your friendship has been one of the great joys of our lives.

To my remarkable staff, for eight years, and for some of you a whole lot more, I have drawn from your energy. And every day I try to reflect back what you displayed. Heart and character. And idealism. I’ve watched you grow up, get married, have kids, start incredible new journeys of your own.

Even when times got tough and frustrating, you never let Washington get the better of you. You guarded against cynicism. And the only thing that makes me prouder than all the good that we’ve done is the thought of all the amazing things that you are going to achieve from here.

And to all of you out there — every organizer who moved to an unfamiliar town, every kind family who welcomed them in, every volunteer who knocked on doors, every young person who cast a ballot for the first time, every American who lived and breathed the hard work of change — you are the best supporters and organizers anybody could ever hope for, and I will forever be grateful. Because you did change the world.

You did.

And that’s why I leave this stage tonight even more optimistic about this country than when we started. Because I know our work has not only helped so many Americans; it has inspired so many Americans — especially so many young people out there — to believe that you can make a difference; to hitch your wagon to something bigger than yourselves.

Let me tell you, this generation coming up — unselfish, altruistic, creative, patriotic — I’ve seen you in every corner of the country. You believe in a fair, and just, and inclusive America; you know that constant change has been America’s hallmark, that it’s not something to fear but something to embrace, you are willing to carry this hard work of democracy forward. You’ll soon outnumber any of us, and I believe as a result the future is in good hands.

My fellow Americans, it has been the honor of my life to serve you. I won’t stop; in fact, I will be right there with you, as a citizen, for all my remaining days. But for now, whether you are young or whether you’re young at heart, I do have one final ask of you as your president — the same thing I asked when you took a chance on me eight years ago.

I am asking you to believe. Not in my ability to bring about change — but in yours.

I am asking you to hold fast to that faith written into our founding documents; that idea whispered by slaves and abolitionists; that spirit sung by immigrants and homesteaders and those who marched for justice; that creed reaffirmed by those who planted flags from foreign battlefields to the surface of the moon; a creed at the core of every American whose story is not yet written:

Yes, we can.

Yes, we did.

Yes, we can.

Thank you. God bless you. And may God continue to bless the United States of America. Thank you.


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The Art of Generosity: How God Wants us to be

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On a TV show, a competition had reached the peak, and $20,000 was up for grabs!! Only 6 constants are remaining: owner of a chain of restaurants (Gilberts), an unemployed woman whose husband had lost job (Mary), and the other 4. Mary had prepared the best meal, but had forgotten to pick the most crucial ingredient from the grocery. As they progressed, Gilberts and 2 contestants won free trips to the grocery.

Realising the trouble Mary was going through, and that possibly she only needed that one ingredient to win, Gilberts gave Mary the trip to the grocery, freely. Of course she won the $20,000 because of the trip, and her financial difficulties were levelised. The story went viral across that country (not here in Kenya), and such an act of generosity branded Gilberts’ restaurants a home of virtues with a consequent abnormal increase in market share.

Proverbs 11:25 says, “The generous will prosper, those who refresh others will themselves be refreshed”. This is evident in the case of Gilbert. Perhaps he would not have won the cooking competition at last, another contestant might have won. Thus, Mary would have remained with her troubles while his hotels would not have achieved such a widespread popularity.

Isaiah 54:2 reads, “Enlarge the place of your tent, and let them stretch out the curtains of your dwellings. Do not spare, lengthen your cords, and stretch your stakes.”

When we learn to be more generous with the little we have, we see the world changes and open up new opportunities for us. Kindness is one of the fruits of the holy spirit and the same is emphasized in Galatians 6:2 (carry each other’s burdens, and this is the way you will fulfill the law of God).

Proverbs 11:24-25-One gives freely, yet grows richer. Let us relate this to Gilbert’s business performance. Am sure even the other contestants can now secure employment at the restaurants.

However, Paul warns in 2 Cor 8:12 that giving shouldn’t be a burden, but as a matter of fairness from your abundance. But remember for our giving to be a blessing, it must have a sacrificial element, not merely from remains. On Thursday last week, I was ordering shoes worth ksh. 3,999 from an online store. İn the process, i received a call from a close friend here that he has an interview invitation at Eldoret, but has no fare. İ gave him ksh. 2,000 and went to the market where bought black shoes worthy 1100. Luckily, he passed the interview and will start small in a micro-finance come January. My happiness here is that he will now be able to take care of his needs, and that happiness is my payment. Now he has a job, I have shoes. So, let’s not deny ourselves in our acts of generosity, but minimize our luxuriousness to ensure we grow together in both socio-economic and spiritual dimensions.

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File: Wycliffe G. Makworo

RE: I Have a Christmas Gift for You, Dear Christians

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This is the time when the Christian community enters a celebratory mood, where people do all they can, that which makes them happy regardless of impending consequences. Having grown up in the middle of a village in Nyamira, I was socialized to believe that Christmas is all about eating, drinking, dancing, et cetera. I remember those days when my grandmother (may her soul RIP) used to prepare pots of local brew for the whole village. Even those non-drinkers were forced to have at least a sip on the eve of Christmas! The greatest question that lingered in my mind was what exactly Christmas is! Then I went to the Church to seek the real redefinition of Christmas.

Christmas is actually the celebration of the birth of Jesus Christ. Christ, the Messiah came in the flesh and agreed to be born in a humble background. He came to live amongst us, and in our hearts in order to give us life. This is why we are called associates of the God-kind, partakers of the divine nature (2 Peter 1:4). Actually, what humanity needs is the life of Christ.

Now, the problem arises as most of us engage in unnecessary spending and doing all sorts of unnecessary endeavors as a way of celebrating the birth of Jesus. Doing all these is null and void because that is not the will of Jesus. At His birth, Jesus wants the lost sheep to join Him and multiply His kingdom more than seven fold. The processes of doing this include praying for the Holy Spirit to come upon us, giving our lives to Jesus, and confessing our sins so that we continue partaking in His Holy Communion. We then give thanks through feeding the poor and hungry, giving to charity, and doing all works of mercy to the best level we can.

It is not rational to attract poverty to our lives every December 25 in the name of celebrating the life of Christ. Transport systems become too expensive, vehicles speed beyond limits to collect as much as they can, and we spend without thinking what lies before us come January. Let this period feature relaxation moods and humility characterized by meditation of our spiritual lives as we strive to welcome Jesus to be born in our hearts. Let’s forget about the hustles of highways, and spend our time at environments featuring widespread serenity in order to receive Jesus with our full attention.

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How I Transformed my Breaking Relationship with a Spendthrift Boyfriend to a Happy Marriage

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The conference ended at 4:30 pm. Dr. A.M had just expressed how she underwent painful moments with a fiancé who was committed to solve all problems of people, but didn’t concentrate much on the future of their family. On the point of seeking to break-up, Dr. A.M thought to save the ship from sinking. “I just didn’t like his spending behaviours , but I couldn’t allow it separate us because he had all other qualities I ever wanted.” She expressed.

Having identified that the problem is affecting  most of our generation, I followed her immediately to learn how she handled it.

“On a Saturday morning, I requested him out.” Narrated Dr. A.M. “Of course he didn’t have a penny for the same, but I promised to cater for everything.” At the rendezvous, I told him that he has a problem, and a problem that required urgent attention. The problem of lack of a finance saving culture. “We needed an urgent solution!” She exclaimed.

Although it took courage and breathtaking, Dr. A.M managed to convince her fiancé that things had to change or call an end. “I told him simply that he knows how to find money, but doesn’t know how to use it sparingly. Though at that time I was not earning much, I was keen on savings and investments. I requested him to allow me have more say in family finance. He accepted after a long and troublesome convincing. He gave me the ATMs and all account details. And that was the end of the relationship troubles.”

Dr. A.M opened an account with a SACCO and started saving for a lifetime plan. After 14 months, the family already owned a plot and had started a construction. “We acquired a loan of ksh. 1,200,000 at 1% interest rate from a savings I had made of ksh. 420,000 by depositing ksh. 30,000 from his salary every month. That was long before we even formalized our marriage. By the time we were settling down two years later, we had a magnificent house and a corona car for our convenience.”

They are now happily married with two kids expecting a third angel in six months’ time. That is the power of a woman with a vision.

It is critical for us men to who have the problem to accept and give powers to women, provided they are women with visions. We do not need to be proud in the short-run, and loose in the long-run. 99% of the women have future of families at their hearts. Given opportunity, we minimize chances of running into troubles.

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Ubunifu SACCO

Celebrating Our Investment and Savings Heroes This Mashujaa Day

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We are currently preparing to celebrate Mashujaa Day, just this week. As we sing their songs, it is my appeal that we should not forget singing about agents of socio-economic transformation of our country. These are striving to help Kenyans generate wealth and develop a savings culture. Without them, the hope of humanity for crossing the poverty line are permanently constrained. I am talking of Savings and Credit Society Cooperative (SACCOs).

SACCOs are currently helping many Kenyans to make decisions featuring rationality and oriented towards prosperity as they strive to transform their lives. A penny kept today translates to pennies tomorrow.

Kenya’s SACCOs are maximizing on the two unhappy phenomena. First, banks are unwilling to lend to Kenyans with startups. Second, high interest rates charged by banks. Although the recent capping of interest rate is currently a reality, banks are going to further establish stringent loan access procedures. This is yet another reason why SACCOs are going to exhibit relevance in the Kenyan context.

Ubunifu SACCO has achieved an extraordinary growth in the recent months due to its less stringent rules and ability to meet all member needs within short schedules. From a humble background, Ubunifu is proud of having identified, anticipated and devised ways of meeting customer needs without customer undergoing strains. As such, the SACCO is currently joining the hero society as an investment and savings guru.

Currently, SACCO members pride enriching rewards because they provide win-win situations for both lenders and borrowers. Beneficiaries are certain that over time they will not only grow their personal businesses, but also their savings in the SACCO.

SACCOs such as Ubunifu are dedicated to helping Kenyans achieve their social and economic goals. “We shall also celebrate ourselves this Mashujaa Day because we are heroes/heroines dedicated to change the status of citizens of this country.”

By Wycliffe G. Makworo

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Trust in the writing industry

Advancing the Principle of Trust in the Freelance Industry

Category : Uncategorized

The freelancing industry (commonly referred to as online writing along Thika Superhighway) is purely a trust-me-I-trust-you endeavor! I remember how it all started a few years ago: you only needed to like a Facebook page with the word “Academia”, lie that you have been writing for the last three years and you urgently needed to stay peaceful with the landlord by end month (unless you are very sure that he had booked the Malaysian Airplane). Other things like quality would take care of themselves later through revisions. Alternatively, you would walk keenly inside tunnels and flyovers along the superhighway, and especially Kahawa Wendani where online writing was born, carefully reading all postas pinned. At the end of the month, the possibility of peaceful coexistence with the landlord was contingent upon the honesty of your employer, quality of your work and the amount of work available. It all went well for many, but a few were forced to down tools due to trust issues.

In 2015, at a time like today (only that there was no eclipse the previous day), someone suggested that writers too-just like teachers, accountants, community groups, and most recent the police-needed a SACCO. Insults that followed perhaps could be the reason why Mark Zuckerberg was forced to tour Kenya yesterday. And Kenyans never spared him-some used his own platform to insult him!

As a writer, I did not see any problem with starting the 2015-edition Sacco. A Sacco, regardless of the interest rate capping Banking Act of 2016, are still the best avenues for socio-economic development. With their very low interest rates and ambitious saving plans, Saccos have helped majority of Kenyans grow businesses and consequently create multibillion enterprises. Perhaps the problem with the suggested SACCO could have been with the starters or writers. Wrong introduction by starters and trust issues among the freelancers might have fueled the rejection!

One factor that worries me most is that majority of us have opened fixed accounts with banks. With fixed accounts, investors borrow and develop themselves while we keep jumping up and down at static positions. However, the ksh.100, 000 fixed at some commercial bank would enable you access a loan of ksh. 300,000 at only 1% interest rate if you have a feasible business idea.

The reason for every institution, industry and department starting their own SACCOs constitute the tenet that “…understand my needs…” The police Sacco understands actual needs of the police, the Mwalimu Sacco understands the needs of teachers, and the nurses’ Sacco understands the needs of teachers…-what of writers? The writers Sacco could understand the needs of writers!

Assume it is end month and Essaywriters decides to suspend your account and promises to pay your $2300 after 3 months. Disturbed by the landlord, your writers crowd at the doorstep of your apartment, ready to do anything to get paid. Among writers, this is a genuine reason to get an emergency loan from the SACCO and can easily get guarantors regardless of the financial position at that time. Go to Gakuyu or Rafiki Sacco with such a reason-you may not get instant assistance because they do not understand what Acemy Homework is all about.

From the standpoint of reality, it is imperative to realize the necessity of having something to be proud of as writers even if the industry could collapse today. We only need to build trust and take risks because even the established Saccos did not fall from heaven, but started right here on earth. Already the trust has been advanced among members who have been able to reap the fruits of writers’ Sacco. We cannot fear to be members of financial institutions at the start-up, and want to join at established when admission will be damn expensive. The necessity of identifying one writers’ SACCO near you and seeking membership should not be underestimated. Through effort integration, we can grow together as children of a united nation.

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Transforming the SACCO sector for the Next Generation of Bankers

Category : Uncategorized

The Standard Newspaper on November 11, 2014 reported an unprecedented increase in number of SACCOs seeking licenses to enter the already competitive finance sector. However, majority of these SACCOs (including those seeking conversion into commercial banks) still exhibited over reliance on traditional paperwork for all their customer service processes.

Carilus Ademba, SASRA’s CEO, recognises the growing demand for more sophisticated financial products and services following demand from SACCO members. Surprisingly, majority of Kenyan SACCOs have not been able to address the aspect of convenience, which is one of the fundamental dimension of quality that defines success of financial institutions in the 21st century.

The need to transform SACCO sector for the next generation of bankers constituted one of the founding principle of Ubunifu SACCO. This would be achieved through banking processes digitalisation! The market research conducted by Ubunifu SACCO between March and May 2015 revealed that SACCO members in Kenya are still struggling with queues, lengthy paperwork and adherence to office hours for loan processing in the era when loan application would be done from members’ locations of convenience.

The urgent need for digitalisation of financial systems and processes is not optional for the current financial sector. For us to transform the banking sector for the next generation, it is crucial to adopt advanced technologies that allow SACCO members to transact as they travel, eat, sleep or even play in the fields. This implies digitalising all processes from registration, making payments, applying for loans, requesting for guarantors, and repaying the loan.

Through concerted efforts, Ubunifu SACCO has been able to achieve complete digitalisation of all its service processes. Ubunifu is proud of being the first SACCO in Kenya where a member does not need to spend resources to SACCO offices. In fact, through an advanced technological platform, Ubunifu has managed to attract cross-border membership.

As a digitalisation pioneer in the industry, Ubunifu SACCO encourages all citizens to continue joining SACCOs and enjoy financial products at minimal interest rates. While doing the same, Ubunifu further emphasises the necessity of seeking services founded on the principles of total quality management. The resultant responsiveness, competence, access, security, courtesy, credibility, and prioritising member needs will not only see the SACCOs’ profitability expand, but also promise business sustainability and improved competitive edge for benefit of all citizens.


September 2020
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