It’s no secret that self-employment is some form of risk, and with it comes lots of stress. You are under pressure to make ends meet, break even and have enough to pay yourself and your employees. The worst comes when starting up and working all by yourself. You cannot afford to miss appointments or deliver to your customer’s expectations. Should this always be the case?

The matatu sector has, for the longest time, been characterized by chaos and confusion. Overlapping, obstruction of traffic and careless driving are but some of the menaces, on our roads, associated with matatus. The new traffic laws are long overdue, and some degree of order needs to be restored our roads. There, I said it.

There are 40,000 expensive housing units put up each year. Only 10,000 out of 200,000 Kenyans can afford them.

One thing I like about the stock market is that in it there is never a dull moment. Especially in highly efficient markets, any new day or each passing minute promises renewed market activity as new information is quickly absorbed and reflected in stock prices.

Last week we examined operational risk and now shift focus to financial risk. Financial risk arises from the risk to profits or wealth due to uncertainties about the financial situation in the future. It is broadly categorized into market risk and credit risk. Market risk has to do with changes in the general business environment specifically changes in prices and rates.

As a child, my friends and I underwent different phases of the ‘finders keepers’ phenomenon. For a while, we believed that if you found something and nobody claimed it, it was yours. Then one day, a new kid in the neighbourhood told us that lost property was guarded by the powers of witchcraft and that if we kept it, the owner’s ghost would haunt us. Our lawmakers must not have been sent that memo.

I'm spoiled for choice, but it means if I had an emergency that saw me fly the same day, I'd pay nearly the standard fee that other airlines charge, but if I'm booking for my Easter holiday at the coast, I'll pay quite little.

Everybody keeps talking about investors and some huge amount of capital when they want to start a business. What they don't know is that sometimes you can just start your business, with what you have.

It’s important for a girl to know where to shop. Where the bargains are at, where you’ll get the best prices for the things you need, and where you’ll get value for your money. I don’t know if this is applicable across the board, but service in the supermarket is important to me.

Banks are run by con-men. Why pay someone to use your money so that they can get richer while you remain the same? Why not put that money in a mattress account? It's free and it's only as secure as you want it to be.