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They are a combination of monorail , Maglev and personal Vehicle.
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By Sylvia Juuko
THE cost of living is on the upward match. It is therefore becoming imperative to be innovative to meet the changes, given the mostly constant level of income. Every shilling you spend or decision you make about money today will have an impact on your future financial health. So watching where your money goes should become your daily pre-occupation. But have you ever considered why people with an income lower than yours seem to do better on personal finances? Despite their modest income, they save more, have invested in property and enjoy a decent lifestyle without the flamboyance that characterises ‘aspirationals’. You, on the other hand, earn five times more but you are still renting an expensive apartment in a leafy suburb, can barely meet your expenses due to an extravagant lifestyle and you mostly borrow for consumption. This, therefore, cements the argument that personal finance experts put forth that, it is not what you earn that matters but how you manage it and what you keep. As it is, the excuse of wanting to earn more money in order to maintain a decent living and later on save to invest doesn’t hold water. If you have not yet paid attention to where your money goes, there a couple of ways to do so. Once you examine your lifestyle, there is always room to trim your expenses. For starters, pay yourself first through automatic deduction. Many of us opt for saving after expenditures but never get to it because nothing is left anyway. The best way to achieve this is having a standing order that allows for deduction of your income that is channeled through an interest yielding account as soon as it lands on the account. Further still, focus on those items like coffees or even beer that you consume daily as an area that you can cut back on. If you spend sh10,000 per day on lunch and go out every evening, is it a surprise that you are perennially broke. You could consider packing lunch on some days of the week as well as cut down on daily outings. You should also take note of what you need through compiling a grocery list that you stick to. Stories are common of households that go for shopping every other day without taking an inventory of what is in the pantry or fridge. An inventory can save you several shillings. Do window shopping before making a purchase decision. Whenever you are in a retail outlet, make note of the prices. You will discover that there are some savings to be made if you watch the price tags. Always be on the lookout for discount days that some retailers announce during the week or month. You should know by now the advantage of bulk purchases or purchasing at wholesale outlets. If you cannot meet the bill, you can collaborate with the same interest people to bulk-purchase and share the items. This saves some bucks. Further more, some households have two cars which hikes the fuel bill. If both of you work in the same area, do car pooling on some days to save some fuel money. For some town runs, it is effective to park at your workplace and use public means if the places you are going to are easily accessible. It will save you fuel as well as the hustle of driving around trying to secure an elusive parking slot. More so, walking is also good exercise for the health watchers. Another expense that most of us incur is phone bills. Given the discount bonanza in the telecommunications market, it is crucial to scrutinise deals on offer and remember some companies have a clever way of marketing their discounts where you may end up spending more. |
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A policeman helps a mob justice victim get onto a Police pick-up truck after rescuing him
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Is date rape a myth or reality? After weeks of pursuing you, he invites you for a date and you accept. He takes you to a great restaurant where you have a fabulous meal, talk about everything and nothing, with you occasionally getting all flirty and giggly. He lays his cards on the table about how he wants you to be his girl friend, and you say 'yes'. After a very enjoyable evening, it is now quite late, so he convinces you that will be safer for you to spend the night at his house. You think: I trust him, why not? When you get there, the atmosphere is almost electric. You get comfy, he kisses you and things are getting heated up, but you are not ready to go the whole nine yard with him, so you start to pull away in protest, but he will not hear any of it. Now, you are scared, and he is getting rough. You struggle, but perhaps because of the shock, you do not scream, give up the fight and let him have his way with you. So what really happened? You cannot really know what happened especially if you were tricked into accepting a drink ' who knows it could have been spiked with something, says Lorine Apio, whose friend was a victim of date rape. It is rare for date rape to occur when one is sober since even the 'crudest' of men who do it know this. Recent research published in the the UK, covering a sample of 75 women, showed that two out of three women who reported date rape were drunk and one out of five of the victims had sizeable amounts of cocaine with some having both of them. Dr. Moses Muntu, a counsellor, says he has handled a couple of cases in this area and has realised that excessive alcohol intake among ladies is a major facilitator of date rape. It inhibits your judgment and makes it 10 times easier for the man to mislead and misuse you, he says. Apio says it usually comes from trusting too fast and too much which allows you to be free with a new man in your life when you should still be skeptical about him. As long as you have lowered your guard, it will be much easier for him to coerce you and manipulate you into drinking more alcohol than you should, then offer a visit to his house as well, which you would have otherwise thought twice about, she says. The venue where the date takes place being far from the girl's home is also a serious facilitator of date rape. This is usually the case when you decide to have a date for just the two of you in a place far from your home and probably nearer his place. So, incase it gets really late, it is a natural choice to end up at his home where you may get raped Dr Muntu says. Sometimes, the women actually make it much easier by accepting to go to the guy's home with no persuasion or coercion at all, then get cosy with him and before they realize it, they have had sex unwillingly, argues Job Kisawuzi, who has been in this sort of situation before. At this point, some men cannot control themselves and whether it comes by consent or force, they will do anything to have sex, Kisawuzi says. What happened to going for group dates and having people look out for each other? asks Anita Karungi, a married woman and mother of three. In our days as young ladies, that was the case and through that, we avoided things such as date rape. Dealing with it The first reaction should be to call out for help as soon as you can, even when the rape is going on. You can call the Police immediately after the act and make sure you get an emergency medical examination and treatment, says Dr. Muntu. You should follow this up with counselling services to deal with the guilt and trauma. Prevention Never trust too much or too fast, Apio reiterates. Sometimes, it is the people you love, respect and never suspect can do anything bad to you that will surprise you, so always have your guard raised high and be alert. Dr. Munut advises that one should avoid alcohol when you out on a date if you cannot control your drinking or get tipsy and drunk too fast. This makes you more vulnerable, he says. On top of this, you always endeavour to have dates in restaurants and bars nearer your home, or those easily accessible by public transport - even throughout the night - so that you are not caught in a position where you have to retire to your date's home. You can ask some friends to accompany you and hang out in the same restaurant a few tables away from where you are. If you accept an invite to his place, do not get too unnecessarily cosy with him, as this may arouse him sexually, and abet the rape, Dr. Muntu adds. As surreal as it may sound, date rape is real, so one need take precaution. In the event that you or someone you know has already been a victim, seek help, Dr. Muntu concludes. |
Do you love being in the limelight? Yes I do, because it comes with benefits like free dinners, free entrances to concerts and respect. How about the male attention? Definitely yes. Normal attention is good. Every woman once in a while loves to be told that she is beautiful and smart. I would, however, get concerned when a guy starts stalking me. Any stalker incident so far? Someone some time called me, saying he liked me. After a while, he told people he was my boyfriend. He was calling me all the time, asking me where I was and why I was not picking his calls. I became rude and told him off. He stopped bothering me. Doesn't this attention bother your boyfriend? Like any other man, he becomes insecure sometimes. However, I always explain it to him. He is an understanding guy. Can you commit to one man? Yes, if he proves he is worthy. In all my relationships, I go for the best. This gives me the opportunity to love and be open with him. Would you pay the bill on the first date? I would not. It is the guy's responsibility. He has to show me that he can take care of me. I think he would not be happy if I did it. I would pay later, in our subsequent dates. What is your obsession with skimpy outfits? We live once. Why not flash a little before I give birth or grow old? Besides, I am in showbiz. I have to be artistic. |
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This year's list of the Most Powerful Women on Earth brands singer Lady Gaga more powerful than the woman who is second-in-line to the US presidency, House Speaker Nancy Pelosi. Mrs. O joins media moguls Oprah Winfrey and Ellen DeGeneres as one of the most-powerful women on the planet, the Finance Bible said this week. Pop stars Lady Gaga and Beyonce' who collaborated on the single ' Telephone'' came seventh and ninth respectively joining a host of political leaders, including Secretary of State Hilary Clinton and German Chancellor Angela Merkel, in the annual poll. This year's rankings which are divided into four groups: politics, business, media, and lifestyle ' which includes entertainment, sports and fashion' were based more on creative influence and entrepreneurship, says Moira Forbes, vice-president and publisher of ForbesWoman. Other phenomenal women in the top 100 are: Madonna (29) France First Lady Carla Bruni-Sarkozy (35) Model Heidi Klum (39) TODAY host Meredith Vieira (40) Queen Elizabeth II (41) Sarah Jessica Parker (45) ABC's Diane Sawyer (46) Twilight author Stephenie Meyer (49) Tennis players Serena Williams (55) Venus Williams (60) Vogue editor-in-chief Anna Wintour (56) Fashion designer Vera Wang (91) Domestic goddess Martha Stewart (99) |
Kipsiro Uganda's Only Two Gold Medalist winner at the just concluded Common Wealth games | |||
ON the day Moses Kipsiro won his first gold medal in the 1,500 metres race, Leonard Erimiya run over 15 kilometres from Chesimat village on the slopes of Mt. Elgon to watch the athletic giant at a video hall in Bukwo town. Although he got there when the race had ended, he was delighted that his tribesman had won. “I was disappointed because I wanted to see him in action, but was happy that he had won. I celebrated with my family,” said Erimiya. Erimiya’s celebrations and disappointments did not end there. On the day Kipsiro won another gold medal in the 10,000 metres race, Erimiya made sure he was at the video hall before the event started. He was, however, disappointed when all the television sets in Bukwo district lost their signals. “The whole district was disappointed, but was later relieved when a colleague called from Kenya, saying Kipsiro had won.” Kipsiro won the medals at the Commonwealth games in New Delhi, India. Who is Erimiya? To anybody, Erimiya may appear like an ordinary villager, but he is the reason Kipsiro is a hero, champion and the pride of Uganda. Erimiya was the first to notice Kipsiro’s talent in athletics. He groomed and nurtured him. His journey with Kipsiro In 1999 when Erimiya joined Chesimat Primary School, one of the remotest schools in Bukwo, Kipsiro was a primary six pupil. The school was cut off from the rest of Bukwo due to an impassable road and a bad terrain. The community did not know much about the value of education and sports. Erimiya was made the sports master of the school because of his love for sports. He also had a rich background in athletics particularly in the 10,000 metres race. Erimiya initiated sports weekends and sports days at the school. That is how he identified Kipsiro. “He ran with interest and purpose. I encouraged him to train under my supervision,” Erimiya explained. Later that year (1999), Kipsiro participated in the zonal athletics championship at Mokoyon Primary School in Bukwo. He did not win, but was among those who completed the 1,500 metres and later 10,000 metres race. “When we went back home, he cried because he did not win. I told him to train harder. I also learnt that he performed better at 5,000 and 10,000 metre races,” Erimiya added. While at home and at school, Erimiya made sure Kipsiro trained three times a day. “He used to wake up as early as 4:00am to train,” he explained. Erimiya described Kipsiro as a quiet person. Apart from Erimiya, Kipsiro also trained with his friends, Wycliffe Muzee and Alex Bukose. “We would wake up at 3:00am and run into the forest, up and down the mountains. Kipsiro was always first,” said Muzee. The two gave up athletics Kipsiro wins his first race This persistence paid off when Kipsiro won the zonal athletics competition at Mokoyon Primary School in 2000, beating many older boys. He was selected to represent Kapchorwa district at the national level. That year, he was the 8th in the 10,000 metres race. He then sat for the primary leaving examinations and scored 16 aggregate, passing in division two. Determined to get a first grade, he decided to repeat primary seven at Kortuk Primary School. On his second attempt, Kipsiro scored aggregate 14. However, he could not continue his studies because his parents could not raise the school fees. “When he left school, he joined the church. He was a born-again Christian, having grown up in a home of an uncle who was a pastor.” “I joined the same church and advised him to continue with athletics. He resumed training,” said Erimiya Erimiya said he advised Kipsiro to join an athletes camp, which was set up in Bukwo in 2001 by Standard High School Zana. “It is at this time that I lost touch with him because he was in and out of the district and the country. He occasionally visits me and the school,” he said. |
Bbumba’s win underscored a night of celebration for East Africa’s banking industry, as the region exulted in the successes of its achievements. Dr. James, Mwangi, the managing director of Kenya’s Equity Bank, was named African Banker of the Year. He was credited for revolutionising Kenya’s banking industry, pioneering the first mobile banking technology in the world to reach out to the unbanked, and for championing the empowerment of ordinary people through inclusive finance. Ethiopia joined winners for the first time since the inception of the awards, with Amhara Credit and Savings Institution taking home the Microfinance Institution of the Year Award. |