PATRIDGE TIPS

So you want to start a business, here are some of the steps you can follow and come up with a successful and growing business . Step 1: Do Your Research Most likely you have already identified a business idea , so now it's time to balance it with a little reality. Does your idea have the potential to succeed? You will need to run your business idea through a validation process before you go any further. In order for a small business to be successful, it must solve a problem, fulfill a need or offer something the market wants. There are a number of ways you can identify this need, including research, focus groups, and even trial and error. As you explore the market, some of the questions you should answer include: Is there a need for your anticipated products/services? Who needs it? Are there other companies offering similar products/services now? What is the competition like? How will your business fit into the market? Don't forget to ask yourself some questions,

You’re always being told to invest your money. But exactly what should you invest it in while you’re young? Below are seven investments you should consider while you’re young. You certainly don’t have to invest in all seven. But by picking just two or three and steadily funding each, your wealth will begin to grow quickly. 1. Start building an emergency fund First thing’s first: Always try to begin with building up an emergency fund. You’ll ensure that you’re covered if an unexpected expense were to arise, like a job loss or natural disaster, but you’ll also develop the habit of regularly contributing to a fund. 2. Set your investment goals Once you’ve begun contributing to an emergency fund, start thinking about the goals you want to work towards by investing. “It’s ultimately looking at all the experiences you want to have over your lifetime and then prioritizing those things,” Beams says. “For some people, maybe they want to travel every single year or they want to purchase a ca

Most college students are broke. It’s no big secret. For most students, getting enough financial aid to pay for tuition and books alone can be hard. Then there’s housing costs, food costs, and transportation. The 2013-2014 school year cost $8,893 on average for public universities. Financial aid awards vary based on student need and how soon the application is submitted, but an average award without grants is $10,000. There are a few ways to survive as a broke college student that I learned by experience. Loans: Broke students are often tempted by the max loans they can get each year, but there are two different loans offered and it’s important to understand the difference. Subsidized: This loan is ideal. Subsidized means that the loan doesn’t being to bear interest until after graduation. Unsubsidized: Avoid this loan. Unsubsidized loans begin accruing interest from the time the loan is disbursed. By taking out only what I needed, it left me scraping for money each semester, but I

A degree is oftenly viewed as a the perfect symbol of academic success for most youths. But sadly, acquiring it is always the begining of  a whole new level of tarmacking and dropping your cv in every office day to day. Phone calls to your relatives and friends with "connections" become your full time job. Education cabinet secretary Prof George Magoha during the new curriculum update speech on Monday July 15th 2019 said he was looking for a plumber at his home but was unable to find one. He cotinued further and attributed this to the desire of everyone wanting to acquire a degree.   CS Magoha: We are very stupid, including myself... pic.twitter.com/xmca6jPOGg — NTV Kenya (@ntvkenya) July 15, 2019 Most people tend to give a blind eye to the vast opportunities that are available in the technical sector in Kenya. A friend of mine joined a local mechanic right after high school and learnt the skills entirely by assimilation. As of now he is now a prominent mechanic making

General Savings Tips Build an emergency fund. It can make all the difference. Low-income families with at least $500 in an emergency fund are better off financially than moderate-income families with less saved up. Learn more about emergency funds here. Establish your budget. Are you looking for an easy way to begin? On the first day of a new month, get a receipt for everything you purchase. Stack the receipts into categories like restaurants, groceries, and personal care. At the end of the month you will be able to clearly see where your money is going. Budget with cash and envelopes. If you have trouble with overspending, try the envelope budget system where you use a set amount of cash for most spending. And once the cash is gone, it's gone. Learn more about the envelope budget system here. Don't just save money, save. There’s a difference between saving money and saving money for your future. So don’t just spend less, put the money you save into a savings account to plan

Many experts say that social media is for connecting with people, and not for selling, but at some point, you're going to want to leverage the connections you create. If you've built up enough trust with your followers, they'll be more inclined to check out your recommendations and the links you share. Here are six ways you can make money on social media. 1. Promote affiliate products. No matter what industry you're in, you can find great products to promote on ClickBank. And if that doesn't quite jive with you, you can also become an Amazon Associate, promote products of your choosing and earn commissions on them -- Amazon has no shortage of products. Next, instead of spamming links on Twitter and hoping for the best, keep in mind that the most honest and effective way of promoting affiliate products is through reviews. If you personally use a product and like it, and know that your followers serve to benefit from it, then write a long-form review on your blog,

A car is one of those things we usually get in high school and hope we can keep throughout college. However, sometimes that old Lumina will decide to break down for the last time (or this happens), and you find yourself in need of a new set of wheels before you get that degree. When that happens, follow these tips to get yourself the best deal. Tip #1: Buy Used The other day, one of my friends gleefully informed me that she had bought a brand new Subaru for about 12 grand. Good for her – she’s also a 20 year-old software engineering major who is getting paid to go to college and will be interning at Microsoft this summer at over $32 an hour. As for the rest of us, we probably have more than a few bills piling up and are making less than $10 an hour, if anything at all. If you fall into the latter category, you should buy a used car (however, if you are one of those people who can afford to buy new, make sure you check out the average cost of a new car in your area). Specifically, ai

Saving money in campus is a great hack that everybody should adopt. It gives you financial security and also makes you more responsible. Here are a few tips on how to savee money. Budgeting And Money Organization Basics Saving The Money You Already Have 1. Have A Free Checking Account 2. No Fee Student Credit Card 3. Work in College 4. Never Be Late On A Payment 5. Don't Overdraft Save Money On College Expenses 6. Have A Solid Plan For Your Classes And Degree 7. Fill Out The FAFSA Every Year 8. Watch Your Student Loan Borrowing 9. Apply For Scholarships And Grants 10. Use The Library 11. Minimize Your Textbook Expense 12. Sell Back Your Textbooks When You're Done 13. Get Your Education Discount On Computer Hardware And Software 14. Print On Campus Save Money On Food And Drinks 15. Use Your Meal Plan To The Fullest 16. Keep Track Of The Best Happy Hours And Restaurant Promos 17. Attend Events With Food 18. Learn To Cook 19. Cut Back On The Alcohol 20. Use Yelp Regularly And Ge

A theft syndicate involving students has left many comrades counting losses at various local universities. CampusVibe has established that laptops are the most sought after items, followed by panties. Most hostels have become hotspots for thieves, with many cases of theft being reported almost daily. There have been reported cases of burglary at Kenyatta University, where students have been subjected to untold suffering as thieves invade their houses and steal items when they are away. “Those who rent houses in Kahawa Sukari as well as those living inside campus hostels have been victims,” Oliver Kariuki, a student who lives near the college told CampusVibe. “Houses are broken into daily and items stolen. In fact, it has become normal, people no longer talk about theft in this place,” he said. At the Jomo Kenyatta University of Agriculture and Technology (JKUAT), Juja campus, students are forced to walk and sleep with their laptops to guard them against thieves who are always tra

The recent news that a second year student at Kabianga University had reportedly stabbed to death his campus girlfriend over a supposed love triangle left many in shock. What was worrying was that the said student allegedly tried to take away his own life after killing his lover. In March, a quarrel over a girlfriend between a Moi University student and another man ended tragically after the student stabbed his rival to death in Eldoret’s Mwanzo estate. In January this year, a fourth-year female student at Mount Kenya University confessed to killing her boyfriend by stabbing him for being unfaithful. It was at Thika Law courts, where Teresia Roselyne Mburu and her friend Mary Nyambura, both fourth year students, admitted to killing Zachariah Ndwiga, a graduate of Maseno University and a garage manager. Ndwiga met his death in Thika’s Runda estate on Christmas night in 2014. Teresia said she killed Ndwiga out of anger after she realised he was cheating on her. Speaking to The Nair