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Forum => Kenya Discussion => Topic started by: Stockguru on June 08, 2022, 06:27:28 AM

Title: Investment for Retirement Super Thread
Post by: Stockguru on June 08, 2022, 06:27:28 AM
Hi Folks

All the fellas who are in their 40s we have about 15 years of productivity left to work. What is your plan for retirement? What have you invested in and how much income do you think you will get

I will start with myself

I have $200K in Equities most of it in Index funds with a Target date of 2040

I've invested in Real Estate with an estimated income of $3,000 per month
Social Security Income I am estimating that I will get a minimum of $2,500

Land and house worthy about $500,000. I plan not to cash this and to be inherited by my kids

I am contributing 10K in traditional IRA and 9,500 in Roth IRA I plan to do this for the next 8 years

M

My goal is to retire in the next 8 years

What is your game plan?

Funny thing is that I have never sat down and thought how much money I need. I've just been saving as a habit. I need to sit down and come up with a strategy to work towards my retirement

If you were in my position what would you do different?

My 401K Index Funds are in
Vanguard - VFIFX
and other several funds that I will list in time
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 08, 2022, 06:35:08 AM
You sound like Mzungu.
Mwafrika we plan our retirement different.
I want to retire in Malindi or Diani or say in Kericho or Kampala.
I want to marry possibly another wife before I hit 60yrs.
So my retirement plan is around buying land say in Malindi and building nice little mansion to enjoy the sun and water.
Or buying a farm where I hope to retire to farm.

So for me my retirement goals are simple.

I want to retire in a farm of 100 acres - own a small tea factory - own a couple of retirement homes - at least one at the coast.

Sasa hii mambo ya index fund or IRA or 401K.
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 08, 2022, 06:42:07 AM
Kenya Plato aka Njamba use one handle.

And first deal with many kids you have all over US before you talk retirement.
Title: Re: Investment for Retirement Super Thread
Post by: Stockguru on June 08, 2022, 06:44:53 AM
You sound like Mzungu.
Mwafrika we plan our retirement different.
I want to retire in Malindi or Diani or say in Kericho or Kampala.
I want to marry possibly another wife before I hit 60yrs.
So my retirement plan is around buying land say in Malindi and building nice little mansion to enjoy the sun and water.
Or buying a farm where I hope to retire to farm.

So for me my retirement goals are simple.

I want to retire in a farm of 100 acres - own a small tea factory - own a couple of retirement homes - at least one at the coast.

Sasa hii mambo ya index fund or IRA or 401K.

seeing how prepared  my dad was for retirement inspired me to start getting ready for this evenuality. In Western world the equities markets give you a better return than real estate or land. I can't invest heavily on land in Kenya because chances of it getting stolen is high since I do not live there
Title: Re: Investment for Retirement Super Thread
Post by: Stockguru on June 08, 2022, 06:46:21 AM
Kenya Plato aka Njamba use one handle.

And first deal with many kids you have all over US before you talk retirement.

I am using my laptop. I do not remember KP password to use it while using Laptop. I have KP on my phone. I normally use my phone to post
Title: Re: Investment for Retirement Super Thread
Post by: Stockguru on June 08, 2022, 06:48:02 AM
Also, I plan to live the rest of my life in the West. So why would I buy land and invest in second or third wife. America it is easier to live with a longtime girlfriend. Marrying in the West is for useful idiots
Title: Re: Investment for Retirement Super Thread
Post by: . on June 09, 2022, 08:40:02 PM
Also, I plan to live the rest of my life in the West. So why would I buy land and invest in second or third wife. America it is easier to live with a longtime girlfriend. Marrying in the West is for useful idiots

Njamba,
Leave that place, that place that place I tells ya before it's too late.
I am shocked that you still believe in Hamellica being paradiso.
And take your muthendis out of that place, that place, that place I tells ya.
Hamellica's unfunded liabilities alone are in the hundreds of trillions. Pensions will go up in smoke pia.
Derivatives pia are 30 times worse than they were in 07/08.
I like Punditos retirement plan.
Ni hayo tu.
Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 09, 2022, 08:44:25 PM
Also, I plan to live the rest of my life in the West. So why would I buy land and invest in second or third wife. America it is easier to live with a longtime girlfriend. Marrying in the West is for useful idiots

Njamba,
Leave that place, that place that place I tells ya before it's too late.
I am shocked that you still believe in Hamellica being paradiso.
And take your muthendis out of that place, that place, that place I tells ya.
Hamellica's unfunded liabilities alone are in the hundreds of trillions. Pensions will go up in smoke pia.
Derivatives pia are 30 times worse than they were in 07/08.
I like Punditos retirement plan.
Ni hayo tu.

I am hedge in both localities but I want to live the next 39 years shaking it with Akina Tanisha and Tameka
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 09, 2022, 08:47:45 PM
Oldun n Njamba,
Marrying again in 55-60 is great decision to get a companion, helper and kids to keep you busy and engaged.
Otherwise having all that money in 60-and 70s - you're lonely is no good.
Your 1st wife and kids after all those years will be pretty bored with you...or have moved out of the nest or be dead.
But getting a young woman - of 30-40s - not badly beaten - can give you quality 20yrs of your retirement life
And they can help change your diapers when your body gives up.
As long as you money to sustain her - and her 1-2 kids - iko sawa.
This is what wazungu are doing - coming to africa - to marry again - and get things to keep them busy
Like dropping kids at school while you're 70s :) is greatest thing you could do;
It kills your boredoom.
Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 09, 2022, 08:53:28 PM
Oldun n Njamba,
Marrying again in 55-60 is great decision to get a companion, helper and kids to keep you busy and engaged.
Otherwise having all that money in 60-and 70s - you're lonely is no good.
Your 1st wife and kids after all those years will be pretty bored with you...or have moved out of the nest or be dead.
But getting a young woman - of 30-40s - not badly beaten - can give you quality 20yrs of your retirement life
And they can help change your diapers when your body gives up.
As long as you money to sustain her - and her 1-2 kids - iko sawa.
This is what wazungu are doing - coming to africa - to marry again - and get things to keep them busy
Like dropping kids at school while you're 70s :) is greatest thing you could do;
It kills your boredoom.

You think the world looks like your busaa infested kipakerion village. I can hire two Latino nurses and a black one to change my diaper and careless my dick. Living with a woman requires a lot of patience and foolishness
Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 09, 2022, 08:53:56 PM
Look at kibor he was a miserable demented Oldman
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 09, 2022, 08:56:25 PM
Kibor lived great.
Njonjo married at 50yrs when he was going to retirement
And spend next 50yrs raising kids.
Marrying again in 50yrs give you a second chance to restart life with all the lessons learnt.
Look at kibor he was a miserable demented Oldman
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 09, 2022, 08:58:34 PM
If you cannot afford a maid now; what makes you think you can afford two; with diminished income;
Go back to Africa; get girl with one kid; and come and add one more; uko sawa.
Hapa pahali niko saa hii; juzi they were removing dead old mzungu; using fire extinguisher thing; the old geezer lived in upper floor;
They went up broke the window; found she is dead; and ambulance and police dealt with it.
I had seen her couple of days on the lift; with drips; and all medical stuff; sticking out of her body;
She collect her letters and take the lift; Living alone - miserable life
I guess she died and the body started roting.
I am told so many of that happen.
Many miserable pensioners living alone - no relatives - kids long left for the world - and have zero time.
They die miserable - alone - and their bodies rot for days.

This is when you realize you need to manufacture new kids.

Human body is not a fool to produce sperms till 80s - to expire the eggs mid-year.
One man need two wives; peleka moja mpaka 45; pick another akufishe 90.

You think the world looks like your busaa infested kipakerion village. I can hire two Latino nurses and a black one to change my diaper and careless my dick. Living with a woman requires a lot of patience and foolishness
Title: Re: Investment for Retirement Super Thread
Post by: Githunguri on June 09, 2022, 09:03:08 PM
Invest in farmland of 100acres with 5 blocks of 20 acres each block to have oranges mangoes lemon apple avocado so in every season that is after every 2 months you will be getting 1Mn..then build small apartments and godowns warning maybe 300k pm that's enough...that thing of shares is no go zone.

After this,rent a 2 bedroom apartment in lavibgton.Have two or three girlfriends between 32-39 years who still have lots of sexual energy.make sure they are people wives which means they come with less baggage and less phone calls to disturb you...then have a house maid mature for random quickie...lots of alcohol..you will enjoy life.

Marrying a woman in your 50s is crazy.The fight between her and step children..the small baby crying,Mara hospital at night in laws drama then this lady will be milking you dry or steal from you or kill you like Cohen.. you won't even measu her sexual drive..she will cheat with shamba boy.you will become mad.
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 09, 2022, 09:06:51 PM
Cheating with married wives is one surest way to die early.
I agree on farming - passive crops - permanent no stress crops.
I dont think you understand what marriage is about - it's not about sex.
Sex you can buy anytime.
Marriage is find a companion - a friend - someone to keep your busy.
Some you take care of - if they are sick - and they do the same.
Those sick kids - will also take care of you - when you're sick.
But you 1st wife and their kids - will be out of the nest - they will be conspiring to finishing you either way.
Their intention will be to inherit your wealth - while almost totally leaving you lonely and depressed.
But if you have new smaller wife with smaller kids who depend on you - they will value you like your 1st wife did and the kids.
Then you die :) and you've lived two lifetimes - married twice - raised kids twice.
Your 1st wife will understand - and the kids will understand - you just put down your feet.
And you also make sure you move town.
Dont marry in Gatundu - move far - and start new life - say in Malindi.

Very unlikely an 60yr old woman can fight over man and his new wife; she will have no fight left in her; how can she compete with 35yrs old.

If they follow you - Join awour church and act mad for few months :)
Invest in farmland of 100acres with 5 blocks of 20 acres each block to have oranges mangoes lemon apple avocado so in every season that is after every 2 months you will be getting 1Mn..then build small apartments and godowns warning maybe 300k pm that's enough...that thing of shares is no go zone.

After this,rent a 2 bedroom apartment in lavibgton.Have two or three girlfriends between 32-39 years who still have lots of sexual energy.make sure they are people wives which means they come with less baggage and less phone calls to disturb you...then have a house maid mature for random quickie...lots of alcohol..you will enjoy life.

Marrying a woman in your 50s is crazy.The fight between her and step children..the small baby crying,Mara hospital at night in laws drama then this lady will be milking you dry or steal from you or kill you like Cohen.. you won't even measu her sexual drive..she will cheat with shamba boy.you will become mad.
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 09, 2022, 09:19:39 PM
Before marrying - what I have seen work with my folks - split the wealth equally 1st wife, all the kids, and you.
Each get equal share.
Use your share to marry.
If you have 100 acres , 3 kids and one wife.
Split the land - each get 20 acres - leave the 80 acres for 1st wife and his three kids.

Sell your 20 acres - and go buy elsewhere if it's combine.
Start a new life.

With those 20 acres - and your hidden investment - you can then start brand new life without any bitterness from 1st wife
The bitterness is if you slice them off their retirement and lifetime investment.

But give them 80 acres - and remain with 20 acres - they will think you're a fool.
But you're restarting life a new.
Title: Re: Investment for Retirement Super Thread
Post by: RV Heavy Hitter! on June 09, 2022, 09:25:51 PM
Oldun n Njamba,
Marrying again in 55-60 is great decision to get a companion, helper and kids to keep you busy and engaged.
Otherwise having all that money in 60-and 70s - you're lonely is no good.
Your 1st wife and kids after all those years will be pretty bored with you...or have moved out of the nest or be dead.
But getting a young woman - of 30-40s - not badly beaten - can give you quality 20yrs of your retirement life
And they can help change your diapers when your body gives up.
As long as you money to sustain her - and her 1-2 kids - iko sawa.
This is what wazungu are doing - coming to africa - to marry again - and get things to keep them busy
Like dropping kids at school while you're 70s :) is greatest thing you could do;
It kills your boredoom.
Hey BRO, we are night and day. Marrying a second woman at 50 for retirement? I think environment and where you grow up shape our way of life. In my early 40s, I'm planning on how I will be healthy and wealthy to take care of my only wife for the next 40 years in a unique way. Hopefully, we can empower our kids and grandkids to be healthy, wealthy people who respect family, relationships, integrity, USA, and money! I have no time for any other woman in my life! I think having wife and kids takes a man's time. Taking time to entertain another person is doing disservice to the existing family!
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 09, 2022, 09:38:09 PM
Exception - applies if you have an excellent wife - like RVHH - but rest of us - if you feel like starting new life in 50s - I'd go for it. Women age fast. Men will remain active.
Oldun n Njamba,
Marrying again in 55-60 is great decision to get a companion, helper and kids to keep you busy and engaged.
Otherwise having all that money in 60-and 70s - you're lonely is no good.
Your 1st wife and kids after all those years will be pretty bored with you...or have moved out of the nest or be dead.
But getting a young woman - of 30-40s - not badly beaten - can give you quality 20yrs of your retirement life
And they can help change your diapers when your body gives up.
As long as you money to sustain her - and her 1-2 kids - iko sawa.
This is what wazungu are doing - coming to africa - to marry again - and get things to keep them busy
Like dropping kids at school while you're 70s :) is greatest thing you could do;
It kills your boredoom.
Hey BRO, we are night and day. Marrying a second woman at 50 for retirement? I think environment and where you grow up shape our way of life. In my early 40s, I'm planning on how I will be healthy and wealthy to take care of my only wife for the next 40 years in a unique way. Hopefully, we can empower our kids and grandkids to be healthy, wealthy people who respect family, relationships, integrity, USA, and money! I have no time for any other woman in my life! I think having wife and kids takes a man's time. Taking time to entertain another person is doing disservice to the existing family!
Title: Re: Investment for Retirement Super Thread
Post by: RV Heavy Hitter! on June 09, 2022, 09:52:59 PM
Exception - applies if you have an excellent wife - like RVHH - but rest of us - if you feel like starting new life in 50s - I'd go for it. Women age fast. Men will remain active.
Oldun n Njamba,
Marrying again in 55-60 is great decision to get a companion, helper and kids to keep you busy and engaged.
Otherwise having all that money in 60-and 70s - you're lonely is no good.
Your 1st wife and kids after all those years will be pretty bored with you...or have moved out of the nest or be dead.
But getting a young woman - of 30-40s - not badly beaten - can give you quality 20yrs of your retirement life
And they can help change your diapers when your body gives up.
As long as you money to sustain her - and her 1-2 kids - iko sawa.
This is what wazungu are doing - coming to africa - to marry again - and get things to keep them busy
Like dropping kids at school while you're 70s :) is greatest thing you could do;
It kills your boredoom.
Hey BRO, we are night and day. Marrying a second woman at 50 for retirement? I think environment and where you grow up shape our way of life. In my early 40s, I'm planning on how I will be healthy and wealthy to take care of my only wife for the next 40 years in a unique way. Hopefully, we can empower our kids and grandkids to be healthy, wealthy people who respect family, relationships, integrity, USA, and money! I have no time for any other woman in my life! I think having wife and kids takes a man's time. Taking time to entertain another person is doing disservice to the existing family!
I think aging faster depends on the kind of life and treatment subjected to an individual. The old adage of marrying a woman few years younger was and still Godsent however, you can make a woman really look young and vibrant by limiting stress to near zero and doing things that makes her heart happy. Aging is all stress and shida, not necessarily age factor. I met my wife at 17 and we've been rolling ever since with zero stress and shida right here in the US, but I think if we were in Kanairo, or anywhere in Kenya, I think shida, stress, ad environment would have taken a toll on us!
Title: Re: Investment for Retirement Super Thread
Post by: Githunguri on June 09, 2022, 10:10:43 PM
Cheating with married wives is one surest way to die early.
I agree on farming - passive crops - permanent no stress crops.
I dont think you understand what marriage is about - it's not about sex.
Sex you can buy anytime.
Marriage is find a companion - a friend - someone to keep your busy.
Some you take care of - if they are sick - and they do the same.
Those sick kids - will also take care of you - when you're sick.
But you 1st wife and their kids - will be out of the nest - they will be conspiring to finishing you either way.
Their intention will be to inherit your wealth - while almost totally leaving you lonely and depressed.
But if you have new smaller wife with smaller kids who depend on you - they will value you like your 1st wife did and the kids.
Then you die :) and you've lived two lifetimes - married twice - raised kids twice.
Your 1st wife will understand - and the kids will understand - you just put down your feet.
And you also make sure you move town.
Dont marry in Gatundu - move far - and start new life - say in Malindi.

Very unlikely an 60yr old woman can fight over man and his new wife; she will have no fight left in her; how can she compete with 35yrs old.

If they follow you - Join awour church and act mad for few months :)
Invest in farmland of 100acres with 5 blocks of 20 acres each block to have oranges mangoes lemon apple avocado so in every season that is after every 2 months you will be getting 1Mn..then build small apartments and godowns warning maybe 300k pm that's enough...that thing of shares is no go zone.

After this,rent a 2 bedroom apartment in lavibgton.Have two or three girlfriends between 32-39 years who still have lots of sexual energy.make sure they are people wives which means they come with less baggage and less phone calls to disturb you...then have a house maid mature for random quickie...lots of alcohol..you will enjoy life.

Marrying a woman in your 50s is crazy.The fight between her and step children..the small baby crying,Mara hospital at night in laws drama then this lady will be milking you dry or steal from you or kill you like Cohen.. you won't even measu her sexual drive..she will cheat with shamba boy.you will become mad.


I think you are naive.

(1) A 40 year old man cannot measure to the sex drive and demands of a 25 year old woman.Ask governor Mutua who is now 50 years.He gave Lillian money cars gold jewellers and sex but the lady left her for a slum dwellers called Juliani.Marrying in your 50s is inviting alot of drama in your life.I had a Kamba girlfriend 6 months ago who is 30 years old,She had crazy sex drive.I don't touch alcohol and am very healthy imagine if it's you who is a drunkard,you just couldn't handle it.I think the best case studies of this topic is Alfred Mutua and Tob Cohen which shows you can never match thesexual and material demands of a woman two decades below your age.

(2) The Motivation of you marrying a second wife is very simple.One you are married to a Kikuyu woman who is also a career woman.After she is done with office work and traffic she arrives at home at 11PM drunk from the girlfriends party and in no mood for sex.When she is at home on Sunday she starts talking with her mother in kikuyu and you become out of place.She then gives birth to one child a girl which is very bad for an African man.A man is not a man without a boy child.After all these you are left with the house maid to feed you wash your clothes etc.So you marrying a second wife is understandable Next time marry your tribe.In this case marry a Kalenjin single mother of one child a gal who dropped out of college and is stay at home mum.you will have peace.

(3) YOU WERE BORN ALONE AND WILL DIE ALONE.The moment you become old wearing diapers senile.Nobody will want anything to do with you.only your money will help you.


(4) Cheating is for GROWN UP.Look at Shebesh sonko fling Keittany Linturi fling Wako Mwilu thing Karen Nyamu and Samidoh Waiguru And ex husband Late nyagah and ginah din.What does this tell you?The moment you mature in age the most important thing is NOT MARRIAGE but money.If you can't provide for a woman,she will use her beauty to get what she wants from who can provide it.Its a NO BRAINER.

Every marriage is beautiful at the beginning until a year later.The secret is marrying before 30 years.Having 5 kids before 40 years.Taking care of them.Renting an apartment in Kitusur for your sex errands while taking care of your family you will have q peaceful life.
Title: Re: Investment for Retirement Super Thread
Post by: RV Heavy Hitter! on June 09, 2022, 10:46:35 PM
Folks in Kenya nowadays seem to have different views on marriage, sex, money, etc, than folks in 80s and 90s. Been watching Kenya's loyalty tests, and it seems unempowered women are selling their bodies for money regardless of marital status. I feel sorry for young married folks in Kenya and folks in relationship generally. Infidelity is almost guaranteed because of economic factors.
As you age, sex diminishes, but with the modern world and medicine, a 60 to 70-year-old man can be as deadly as a 17-year-old in bed with modern enhancements. For instance, talking about enhancement, lips never gets old. Your Musa can be ineffective but your lips, whether 20 or 60, can produce the same inefficiency, and now with the blue pill, and other breakthroughs; you can be just as brutal as anyone at age 80 in bed. I firmly believe safe wet dripping effective sex can hold marriage more than money when augmented with a meaningful relationship. Investing in both (Money and wild sex) is better to deploy both platforms to suit your needs. The best bet is to stick with one woman and get the most from that woman instead of being all over, however, if the woman is not playing ball, better to find another! A person deserves to live a happy, Joyful, stress-free, and safe life at all times! and that folks, can be achieved by being healthy, wealth, great sex/fine woman!
Title: Re: Investment for Retirement Super Thread
Post by: . on June 10, 2022, 05:23:04 AM

I am hedge in both localities but I want to live the next 39 years shaking it with Akina Tanisha and Tameka


he he he he he jienjoy.
But to me nothing beats retirement in Kwiinya (back to our roots) with the missus, man. Tulifanya ivo almost a decade ago na hatujaregret kabisha kabisha.
Leave Hamellica for the youngsters, blo. After thirty fae, Hamellica is a thrill no more.
These days I prefer easy low tide days in Lamu.
Or polite rooftop nites in Westie

(https://theholidaydealers.com/wp-content/uploads/2018/03/Voyager-Beach-Resort.jpg)

(https://lamuislandproperty.com/wp-content/uploads/2018/05/Uzio-1-1.jpg)

(https://www.youtube.com/watch?v=njddCdI0g3Q)

(https://images.squarespace-cdn.com/content/v1/52e82a99e4b0a93ab69383f5/1488132186660-A9MZAZCOHSEY0Z61YW8O/image-asset.jpeg)

(https://eatout.co.ke/wp-content/uploads/2021/03/inti-gallery-img06-min.jpg)

Wachana na dogo dogo taabu tupu. They will just give you HBP. There's something really timeless and rewarding about sticking to one woman for decades. The memories and challenges you go through pamoja are priceless. Dogo dogo are cheap thrills - a chasing of the wind, just like the rat race is.
Ni hayo tu.

Title: Re: Investment for Retirement Super Thread
Post by: Githunguri on June 10, 2022, 07:20:19 AM
Folks in Kenya nowadays seem to have different views on marriage, sex, money, etc, than folks in 80s and 90s. Been watching Kenya's loyalty tests, and it seems unempowered women are selling their bodies for money regardless of marital status. I feel sorry for young married folks in Kenya and folks in relationship generally. Infidelity is almost guaranteed because of economic factors.
As you age, sex diminishes, but with the modern world and medicine, a 60 to 70-year-old man can be as deadly as a 17-year-old in bed with modern enhancements. For instance, talking about enhancement, lips never gets old. Your Musa can be ineffective but your lips, whether 20 or 60, can produce the same inefficiency, and now with the blue pill, and other breakthroughs; you can be just as brutal as anyone at age 80 in bed. I firmly believe safe wet dripping effective sex can hold marriage more than money when augmented with a meaningful relationship. Investing in both (Money and wild sex) is better to deploy both platforms to suit your needs. The best bet is to stick with one woman and get the most from that woman instead of being all over, however, if the woman is not playing ball, better to find another! A person deserves to live a happy, Joyful, stress-free, and safe life at all times! and that folks, can be achieved by being healthy, wealth, great sex/fine woman!

The problem is systemic...Over the last 50 years there has been rural urban migration.Majority of the Kenyans back in the 1990s and before lived in the rural areas.In those days you didn't pay house RENT there school water bills you would fetch water in the river there were power bills relied on firewood and taa (we used to call it ngwatira) schools were less than 100 Bob public no bus fare and to make it even more sweeter it used to rain while the land wasn't subdivided much unlike nowadays so availability of water and rain meant youbcould grow beans maize nduma etc etc and with time children are grown.

PRESENT DAY KENYA..Nowadays Kenyans have migrated to urban areas which  means they pay RENT and if you have a family it means it's over 7000/-.Add water and kplc tokens that becomes 8500/-There are no cows in Nairobi you have to buy Milk at 65/- per day,You have to buy unga because maize doesn't grow in Nairobi slums that's another 65/- per day Then add sukuma wiki which is in plenty back in the village 30/- You have to buy gas that's 1500/- a month I haven't included school fees or a loan Take note majority Kenyans I think over 50% earn less than 30,000/- a month which is not able to meet their needs while  97% of Kenyans have less than 100,000/- in their bank accounts which means they have no financial cushion..All these means a man cannot feed and educate his family alone.He needs a working wife...In this case assuming the wife is a cleaner watchman mama kibanda you expect her to be promiscuous to add to the 12000 salary she earns.If she is beautiful she will land a manager and that marriage is over...It's the same story in rural Kenya,Lack of rain means less maize beans which means no food.Low tea coffee sugarcane earnings for mean who own the title deeds means less income for women so these ladies must find ways of survival by hook crook or sinker they just don't care about marriages that's  why you find men drunk early in the morning to avoid these realities of life.Its either you give me money or o go get fucked by one who has money and I feed the family.

The less we talk about educated women the better.They spend time schooling upto 26 years.After that they tarmac upto when they are 30 years and find a job.At that age a woman is desperate and her chances of either getting married are slim unless a divorcee widow or second wife so they opt to be single mum's after character development.Once in the job sector they meet rich men like Uhuru Ruto ichungwa rigathi Atwoli etc they get married by these men or become their sugar babies.Thats why women like Karua njoki Mwilu waiguru can't get married they just care about good life in Karen motorcade money etc that's how the system works.

The pastors also believe the gospel of GRACE where you are allowed to sin and God loves you as a sinner.If you sell this gospel like pastor nganga or mureithi whereby you don't question what people do with their lives they give you money and att3nd your church in full.Because of that the  pastor will fuck every woman in that church


The you can put shiru wa GP songs and we can now sing.If am told to choose Eurobond/Kimwarer/Covid money and my marriage what would I choose?
Title: Re: Investment for Retirement Super Thread
Post by: RV Heavy Hitter! on June 10, 2022, 11:28:00 AM
 😆 @Githunguri
Kenyan tough anemic economy seems, without a doubt, to have taken a toll on marriages, relationships, and family. Average Kenyan is a conman, I mean it is very hard to find an honest person that is why I think women have decided to take conmanship to another level through their bodies. I think the scrouge of umalaya will end when the economy is restored and folks feel secure financially. Naturally, people are not that evil, but if food or money has to be found, except humans, to explore anything possible. Here in the US, people are still honest traditional, and civil like Kenyans of the 80s and 90s, especially on sex matters. A good economy and financial stability allow humans to maintain their morals. I think the same can happen anywhere poverty and brokenness are rampant.
Religion seems not to be working because pastors and religious folks, I hear are the ones pounding church congregants Mandigo's way.
On MIGRATION, I don't think it has anything to do with imorality: Bad economy is the cause of pretty much all the evils in the society. Having death with my family and few people I know, I just think Kenyans were living in better circumstances up to 2006-8. After Kibaki's reelection chain of events started and the rest is history. Even during Moi days cost of living was way affordable but today even those earning 100K can barely eke out a living. I think Kenyan mentality changed somewhere around 2010 where Kenyansbwants to own a car, live large without enough income. With cheap loans and changed view folks went on to massive debts the same way government was doing. The end results are exorbitant interests and new way of fake western living that is eating salaries and squeezing shilling to smithereens. If folks can learn to live the traditional 90s lifestyle with 70K salary today, cost of living would not be as unbearable as it is now. For instance, don't own a car with 50K salary. Don't have babies and baby mommas everywhere without wealth. Ni shida Tubu! Cost of living can be managed by changing approach to life but Kenyans seem not aware of it. People are living very reckless lives in Kenya. Pombe, fake spirits, expensive wines, etc and bad economy filled with flawed humans is a recipe of disaster. Feel sorry for folks under 50 in Kenya! They are just surviving in a very tough environment where everything goes!
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 10, 2022, 12:11:14 PM
Definitely Kenya economy as far as cost of living is damn expensive -  this is where you appreciate Museveni - and his model of gov - life in Uganda or TZ is cheap.

We have to figure out why life in kenya has become very expensive. It's probably too much taxes on a small base? You can imagine beer of now 350 in many place - wines and spirit even more expensive than developer world.

Kenyans are incredibly hardworking, fun loving and happy people - that I give it to them. People just seem to thrive despite the odds. They party harder than anyone. They laugh and smile easily than anyone. It's like Kenyans just have chosen to defy everything and be positive in their hell-hole.

But is it economy - or just reality of life; I have observed most happy retirees; they are happy with small wife taking care of their needs;

😆 @Githunguri
Kenyan tough anemic economy seems, without a doubt, to have taken a toll on marriages, relationships, and family. Average Kenyan is a conman, I mean it is very hard to find an honest person that is why I think women have decided to take conmanship to another level through their bodies. I think the scrouge of umalaya will end when the economy is restored and folks feel secure financially. Naturally, people are not that evil, but if food or money has to be found, except humans, to explore anything possible. Here in the US, people are still honest traditional, and civil like Kenyans of the 80s and 90s, especially on sex matters. A good economy and financial stability allow humans to maintain their morals. I think the same can happen anywhere poverty and brokenness are rampant.
Religion seems not to be working because pastors and religious folks, I hear are the ones pounding church congregants Mandigo's way.
On MIGRATION, I don't think it has anything to do with imorality: Bad economy is the cause of pretty much all the evils in the society. Having death with my family and few people I know, I just think Kenyans were living in better circumstances up to 2006-8. After Kibaki's reelection chain of events started and the rest is history. Even during Moi days cost of living was way affordable but today even those earning 100K can barely eke out a living. I think Kenyan mentality changed somewhere around 2010 where Kenyansbwants to own a car, live large without enough income. With cheap loans and changed view folks went on to massive debts the same way government was doing. The end results are exorbitant interests and new way of fake western living that is eating salaries and squeezing shilling to smithereens. If folks can learn to live the traditional 90s lifestyle with 70K salary today, cost of living would not be as unbearable as it is now. For instance, don't own a car with 50K salary. Don't have babies and baby mommas everywhere without wealth. Ni shida Tubu! Cost of living can be managed by changing approach to life but Kenyans seem not aware of it. People are living very reckless lives in Kenya. Pombe, fake spirits, expensive wines, etc and bad economy filled with flawed humans is a recipe of disaster. Feel sorry for folks under 50 in Kenya! They are just surviving in a very tough environment where everything goes!
Title: Re: Investment for Retirement Super Thread
Post by: Nowayhaha on June 10, 2022, 12:21:35 PM

Social Media, Youtube really messed up the young generation.
The want Sherehe everyday and flossing on Instagram.
When was in Kenya would see Gemini fully packed midweek , Youngings in the midst of Kenyan Celebrities who were begging to be bought drinks.
20 year olds hanging out with 40+ year olds. This was replicated in all Night clubs jam packed listening to Nigerian music.
So yes media has big impact on a society.



😆 @Githunguri
Kenyan tough anemic economy seems, without a doubt, to have taken a toll on marriages, relationships, and family. Average Kenyan is a conman, I mean it is very hard to find an honest person that is why I think women have decided to take conmanship to another level through their bodies. I think the scrouge of umalaya will end when the economy is restored and folks feel secure financially. Naturally, people are not that evil, but if food or money has to be found, except humans, to explore anything possible. Here in the US, people are still honest traditional, and civil like Kenyans of the 80s and 90s, especially on sex matters. A good economy and financial stability allow humans to maintain their morals. I think the same can happen anywhere poverty and brokenness are rampant.
Religion seems not to be working because pastors and religious folks, I hear are the ones pounding church congregants Mandigo's way.
On MIGRATION, I don't think it has anything to do with imorality: Bad economy is the cause of pretty much all the evils in the society. Having death with my family and few people I know, I just think Kenyans were living in better circumstances up to 2006-8. After Kibaki's reelection chain of events started and the rest is history. Even during Moi days cost of living was way affordable but today even those earning 100K can barely eke out a living. I think Kenyan mentality changed somewhere around 2010 where Kenyansbwants to own a car, live large without enough income. With cheap loans and changed view folks went on to massive debts the same way government was doing. The end results are exorbitant interests and new way of fake western living that is eating salaries and squeezing shilling to smithereens. If folks can learn to live the traditional 90s lifestyle with 70K salary today, cost of living would not be as unbearable as it is now. For instance, don't own a car with 50K salary. Don't have babies and baby mommas everywhere without wealth. Ni shida Tubu! Cost of living can be managed by changing approach to life but Kenyans seem not aware of it. People are living very reckless lives in Kenya. Pombe, fake spirits, expensive wines, etc and bad economy filled with flawed humans is a recipe of disaster. Feel sorry for folks under 50 in Kenya! They are just surviving in a very tough environment where everything goes!
Title: Re: Investment for Retirement Super Thread
Post by: RV Heavy Hitter! on June 10, 2022, 12:27:53 PM
Definitely Kenya economy as far as cost of living is damn expensive -  this is where you appreciate Museveni - and his model of gov - life in Uganda or TZ is cheap.

We have to figure out why life in kenya has become very expensive. It's probably too much taxes on a small base? You can imagine beer of now 350 in many place - wines and spirit even more expensive than developer world.

Kenyans are incredibly hardworking, fun loving and happy people - that I give it to them. People just seem to thrive despite the odds. They party harder than anyone. They laugh and smile easily than anyone. It's like Kenyans just have chosen to defy everything and be positive in their hell-hole.

But is it economy - or just reality of life; I have observed most happy retirees; they are happy with small wife taking care of their needs;

😆 @Githunguri
Kenyan tough anemic economy seems, without a doubt, to have taken a toll on marriages, relationships, and family. Average Kenyan is a conman, I mean it is very hard to find an honest person that is why I think women have decided to take conmanship to another level through their bodies. I think the scrouge of umalaya will end when the economy is restored and folks feel secure financially. Naturally, people are not that evil, but if food or money has to be found, except humans, to explore anything possible. Here in the US, people are still honest traditional, and civil like Kenyans of the 80s and 90s, especially on sex matters. A good economy and financial stability allow humans to maintain their morals. I think the same can happen anywhere poverty and brokenness are rampant.
Religion seems not to be working because pastors and religious folks, I hear are the ones pounding church congregants Mandigo's way.
On MIGRATION, I don't think it has anything to do with imorality: Bad economy is the cause of pretty much all the evils in the society. Having death with my family and few people I know, I just think Kenyans were living in better circumstances up to 2006-8. After Kibaki's reelection chain of events started and the rest is history. Even during Moi days cost of living was way affordable but today even those earning 100K can barely eke out a living. I think Kenyan mentality changed somewhere around 2010 where Kenyansbwants to own a car, live large without enough income. With cheap loans and changed view folks went on to massive debts the same way government was doing. The end results are exorbitant interests and new way of fake western living that is eating salaries and squeezing shilling to smithereens. If folks can learn to live the traditional 90s lifestyle with 70K salary today, cost of living would not be as unbearable as it is now. For instance, don't own a car with 50K salary. Don't have babies and baby mommas everywhere without wealth. Ni shida Tubu! Cost of living can be managed by changing approach to life but Kenyans seem not aware of it. People are living very reckless lives in Kenya. Pombe, fake spirits, expensive wines, etc and a bad economy filled with flawed humans is a recipe for disaster. Feel sorry for folks under 50 in Kenya! They are just surviving in a very tough environment where everything goes!
Yes, taxes are unbearable, however, without those massive taxes government cannot meet its obligations. There is a video of former US senator talking about how killer taxes blocks Africa from moving ahead. If you add all the hidden and none hidden taxes Kenyan pay, you won't believe it. And yes, they are necessary or the government will collapse. It will be very tough for the next president the first year on office but something must be fundamentally changed to expand the economy
Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 10, 2022, 03:13:16 PM

I am hedge in both localities but I want to live the next 39 years shaking it with Akina Tanisha and Tameka


he he he he he jienjoy.
But to me nothing beats retirement in Kwiinya (back to our roots) with the missus, man. Tulifanya ivo almost a decade ago na hatujaregret kabisha kabisha.
Leave Hamellica for the youngsters, blo. After thirty fae, Hamellica is a thrill no more.
These days I prefer easy low tide days in Lamu.
Or polite rooftop nites in Westie

(https://theholidaydealers.com/wp-content/uploads/2018/03/Voyager-Beach-Resort.jpg)

(https://lamuislandproperty.com/wp-content/uploads/2018/05/Uzio-1-1.jpg)

(https://www.youtube.com/watch?v=njddCdI0g3Q)

(https://images.squarespace-cdn.com/content/v1/52e82a99e4b0a93ab69383f5/1488132186660-A9MZAZCOHSEY0Z61YW8O/image-asset.jpeg)

(https://eatout.co.ke/wp-content/uploads/2021/03/inti-gallery-img06-min.jpg)

Wachana na dogo dogo taabu tupu. They will just give you HBP. There's something really timeless and rewarding about sticking to one woman for decades. The memories and challenges you go through pamoja are priceless. Dogo dogo are cheap thrills - a chasing of the wind, just like the rat race is.
Ni hayo tu.

Man lamu looks very appealing. I may buy a property there for winter vacations
Title: Re: Investment for Retirement Super Thread
Post by: . on June 11, 2022, 08:10:00 AM
Man lamu looks very appealing. I may buy a property there for winter vacations

Kwiinya ni kuzuri, man.

Majuu makes ones lose perspective on how the place is.
Is there corruption, crime, poverty, suffering and so on hapa? Of course.
But there is no perfect country on earth. Zote ziko na mashida zao biggy biggy.
Imagine a Kenyan saying they will never go to Hamellica juu wameona storos za shootings, ghetto life, poverty, homelessness in Oakland, drugs, prison documentaries, crack cocaine, gayism in the open, racism and so on. Si that would sound ridiculous to those of you who live there and experience none of these first hand most of the time?

Same same in Kwiinya. In fact in Kwiiinya you can experience 100 times the quality of life on the same budget you had huko Hamellica. Plus tis so much easier to make maney here as a returnee. Opportunities galore. Some chap opened an amusement park with rotting old 1970s equipment imported from Germany and is doing roaring biz. Such stollos are a dime a dozen hapa.

Was driving nyweeeeeeee on the Nairobi Expressway juzi. You guy that road is even better than the Autobahn. I don't think those Expressways I used to drive on in Houston (The Loop) na Cali even come close to matching. Let's just admit. Uhunyee amechapa njob kuchapa.

Material things aside in Kwiinya peace of mind iko. Hamellica kila kitu ni stress mode. This weekendo for example ndiyo mimi huyooooooo with the wifey and totos tumeenda mpaka Lake Chala. The average Kwiinyan has not even heard of Lake Chala. Let's appreciate and build our own country/region and continent.

(https://i0.wp.com/www.yournextbigtrip.com/wp-content/uploads/2020/05/2019-10-19-10.18.56-1-scaled.jpg?resize=768%2C576&ssl=1)


But come back (if you plan to) in your own space and timing before that place collapses completely blo. I have seen several Kenyans who are USC's collecting Social Security shwaaaa and living on it good good after hitting retirement age hapa home square. Yangu bado mbali.

Mimi ata hamu ya kurudi hapo kwa Kamala na Biden sina imagine. Even to visit. Ok Maybe only to come sample some of the foods I miss. Like Southern comfort food made by those fat fat mamas hapo Atlanta. And what I wouldn't give for a Philly Cheesesteak from Pat's or Geno's :D! Just like I used to miss a very sweet morning mug of uji and super soft Kenyan style mandazi while majuu..alulululu. And of course nobody makes Tacos like wakina Hosee wenye wamevuka boda illegally hapo Cali. 

Tameka na Tanasha tulichoka nao hapo in our single twennies. East or West, there's no place like home.

Ni hayo tu.


Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 11, 2022, 04:55:09 PM
You make me miss home. I was there last year for a month. I didn't travel as I had a lot of business to handle. I will be back late this year and mid next year for an extended stay
 I will be there for 4 months in 2023. I am just too happy here that kenya still doesn't appeal to me. I love the life I have built here. I brought all siblings here so I live like I am in gichagi. I want ro be near my nieces, nephews and my kids. I suffered separation when I moved here and i don't want to suffer that again
Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 13, 2022, 03:40:29 PM
Bitcoin is a dangerous asset to have in your portfolio

https://www.cnbc.com/2022/06/13/bitcoin-btc-falls-as-market-focuses-on-celsius-issue-fed-rate-hike.html#Echobox=1655118697
Title: Re: Investment for Retirement Super Thread
Post by: RV Pundit on June 13, 2022, 04:31:14 PM
Omollo and Robina must be crying in the toilet.
Bitcoin is a dangerous asset to have in your portfolio

https://www.cnbc.com/2022/06/13/bitcoin-btc-falls-as-market-focuses-on-celsius-issue-fed-rate-hike.html#Echobox=1655118697
Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 13, 2022, 05:52:35 PM
Omollo and Robina must be crying in the toilet.
Bitcoin is a dangerous asset to have in your portfolio

https://www.cnbc.com/2022/06/13/bitcoin-btc-falls-as-market-focuses-on-celsius-issue-fed-rate-hike.html#Echobox=1655118697

Omollo knows nothing about markets. He is an officer at UN FGM DEPARTMENT. Robina ni kichwa maji
Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 13, 2022, 11:47:24 PM
Market drops like a cheap knicker

?s=20&t=ZT4wIs5T1jrt_E4VvnjGpA
Title: Re: Investment for Retirement Super Thread
Post by: KenyanPlato on June 15, 2022, 11:38:13 PM
Listening to illuminating conversation around AI ETHICS. I want to jump onto AI arena and invest heavily in it. This is the future
Title: Re: Investment for Retirement Super Thread
Post by: Georgesoros on July 06, 2022, 08:30:49 PM
Definitely Kenya economy as far as cost of living is damn expensive -  this is where you appreciate Museveni - and his model of gov - life in Uganda or TZ is cheap.

We have to figure out why life in kenya has become very expensive. It's probably too much taxes on a small base? You can imagine beer of now 350 in many place - wines and spirit even more expensive than developer world.

Kenyans are incredibly hardworking, fun loving and happy people - that I give it to them. People just seem to thrive despite the odds. They party harder than anyone. They laugh and smile easily than anyone. It's like Kenyans just have chosen to defy everything and be positive in their hell-hole.

But is it economy - or just reality of life; I have observed most happy retirees; they are happy with small wife taking care of their needs;

😆 @Githunguri
Kenyan tough anemic economy seems, without a doubt, to have taken a toll on marriages, relationships, and family. Average Kenyan is a conman, I mean it is very hard to find an honest person that is why I think women have decided to take conmanship to another level through their bodies. I think the scrouge of umalaya will end when the economy is restored and folks feel secure financially. Naturally, people are not that evil, but if food or money has to be found, except humans, to explore anything possible. Here in the US, people are still honest traditional, and civil like Kenyans of the 80s and 90s, especially on sex matters. A good economy and financial stability allow humans to maintain their morals. I think the same can happen anywhere poverty and brokenness are rampant.
Religion seems not to be working because pastors and religious folks, I hear are the ones pounding church congregants Mandigo's way.
On MIGRATION, I don't think it has anything to do with imorality: Bad economy is the cause of pretty much all the evils in the society. Having death with my family and few people I know, I just think Kenyans were living in better circumstances up to 2006-8. After Kibaki's reelection chain of events started and the rest is history. Even during Moi days cost of living was way affordable but today even those earning 100K can barely eke out a living. I think Kenyan mentality changed somewhere around 2010 where Kenyansbwants to own a car, live large without enough income. With cheap loans and changed view folks went on to massive debts the same way government was doing. The end results are exorbitant interests and new way of fake western living that is eating salaries and squeezing shilling to smithereens. If folks can learn to live the traditional 90s lifestyle with 70K salary today, cost of living would not be as unbearable as it is now. For instance, don't own a car with 50K salary. Don't have babies and baby mommas everywhere without wealth. Ni shida Tubu! Cost of living can be managed by changing approach to life but Kenyans seem not aware of it. People are living very reckless lives in Kenya. Pombe, fake spirits, expensive wines, etc and bad economy filled with flawed humans is a recipe of disaster. Feel sorry for folks under 50 in Kenya! They are just surviving in a very tough environment where everything goes!

Unless there is serious policy changes to address inequalities, most Kenyans will remain poor.