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April 16, 2018

Crucial Steps To Help Entrepreneurs Attain Financial Independence

4:38 PM 0
Crucial Steps To Help Entrepreneurs Attain Financial Independence
Financial stability is a struggle for small-business owners and entrepreneurs. Without giving heeds to finance reports, it could be a particularly nerve-wracking task.

The main focus of an entrepreneur should be to control and maintain their finance, yet this is often one of the most difficult tasks a business owner had to manage. Latest Updated on Mar 16, 2018

Financial success is attained by an entrepreneur that has the ability to run a business efficiently and can implement long-term financial tactics to achieve their goals.

To accomplish financial independence phase, an entrepreneur must follow this plan set from start to finish. We have divided the plan into the set of 4-4 steps making it easy for you to understand.

The Four Essential Steps

Before starting the steps, here is the rule to keep in mind. There is a possibility that you will fall down from the staircase if you directly move to 4th step before covering first three. Same goes in this case; you need to take one step at a time before embarking on the fourth step. The first three steps will help you to create a stable cash-flow and operate without any debt.

Regrettably, there aren’t many financial plans that cover these steps before investing. In its place, they focus on annuities, insurance and bonds without any plan to fund their retirement. This often leads to vulnerability and anxiety when the business owners understand that they are not prepared for retirement.

But following these four steps sequentially will lead you to success by increasing your self-assurance and energy.

1.Optimise The Money You Have

For controlling your future finance, you need to control your present investment. While running a business, there is always a long-term plan instead of weekly or monthly plans. By controlling your cash-flow, you can maximise your profit rate, cost-cutting, save tax and continue to educate in the field of business. All you need to do is make a strategic plan and hire a team of advisors that can help you to progress annually.

2.Eliminate Debt

You need to understand that debts are of two types: productive and reductive, and their basic difference. As implied by the name, reductive debt is the debt that is consumed by things that don’t offer any return. You can consider it as bad credit card debt that is better to be eliminated. Whereas, the productive debt will provide you with an income in return and will be valued. This step will focus on eliminating reductive debt, build a strong credit score and ways to utilise productive debt. It is more of a debt management to ensure your financial growth to provide economic freedom.

3.Create Cash Reserves

As for liquid cash reserves, there are two reasons you must understand:


  • You will need the money when things will go against your business plan to avoid credit card debt.
  • You will need to achieve short-term goals when they will present without any delay.
As an entrepreneur, new opportunities will rise constantly and you would want to grab them as soon as possible. It is human nature to take advantage of things that will benefit us in future. There will be many instants when the problem will cross your path out of nowhere or opportunities will line up without you knowing. No matter what the situation is, you will need reserves at that time. You need to make sure that you have expenses available at any time which will keep you at peace.

4.Invest And Grow

When you are done with the three steps then you can start to work on this essential step to ensure your luxurious retirement life. Many people consider starting investing as soon as they set off getting profit from their business. This is not always a good idea. The ultimate fundamental of investing money is to achieve good returns. It is like a reward given to you by yourself. But if you don’t have a proper line of direction in investment, then it will not provide you financial stability. So, think before you invest your money.

The Four Essential Elements

Follow up the essential steps with these essential elements to complete this 4 x 4 plan. This will offer you so much of power as an investor, wealth builder and business owner. The four steps should be measured by these four elements to understand the growth rate and benefit. This will give you a direction to follow so that you can achieve your financial goals

1.Freedom Planning

In this step, you will plan out to convert your income into investments. With these funds, you will get a better return that will allow you to live luxurious life when you decide to quit working. Everyone have to go through many levels of the financial line throughout their lifespan.

Being younger, your main focus is on the addition of assets and revolves around earning a living. With the increase in income, your focus is turned to saving and investing money so that you can live a lavish lifestyle. It will spin around attaining enough assets to live your future in peace. Generally, this is considered as retirement phase. But it is more of a financial independence time with sufficient asset to provide stable income return.

2.Asset Security

This step speaks about protecting your assets from any problem or issue that can take it away. It can be anyone: relative, investors, government etc. Your assets include not only your machine and business but real estate, bond and stocks too. In simple words, anything that can provide you with a lifetime income is at risk of exposure. You need to protect it. All you need to focus upon is proper planning to provide boundaries that can prevent others from stealing your hard-earned assets from you.

3.Estate Planning

You can consider this similar to your asset security. This will ensure that if you are not physically present then also your assets are protected and safe. In this case, it will be passed as a legacy in any matter chosen by you without being handled to the government.

4.Planning Of Tax

Taxes are the biggest expense for everyone, whether they are an employee or business owner. The only difference between a tax and other expenses is that you can choose. We are not talking about the choice where you get to decide to pay tax or not. In any case, you have to pay taxes but with simple choices, you can have a more tax-efficient way to save finance.

Now with these points, your financial plan is ready. You are all set to grow, protect and distribute the product of your hard work.

April 13, 2018

The many aspects of being a tutor

12:46 PM 0
The many aspects of being a tutor
There are many reasons why the services of a tutor are required by the student. The article gives insights into the various aspects of being a tutor.

In our educational system, one fact is the variety of curriculum at each advancing stage. This variety of subjects broadens the mindset of the student. Latest Updated on Mar 13, 2018

aspects of being a tutor

However, the downside is that so many subjects might become too much to handle. This makes the role of a tutor very important in the education system. There are many reasons why students need private tutors:
  • Some students might be weak in some subjects and having a tutor increases their understanding of the subject.
  • Some students require deeper understanding of a subject because of their interest.
  • Some competitive examinations have syllabus that extends beyond what is taught at school.
  • Some parents do not have the time to personally sit with the kid and help them study.
Whatever the reason for hiring a tutor be, we have all had stages in our school and college time when we needed a good tutor. In the following sections, we will see the different aspects of the job of a tutor.

Benefits of being a tutor

Making good use of your knowledge

As a tutor, you get to use your acquired knowledge in the field of your study. This is a very satisfying feeling. By tutoring a student in your specialization, you also keep updating yourself in that field of study. Very few occupations involve utilization of your field of study, and tutoring is a great way to retain and expand your knowledge in a field.

Flexible work schedule

As a tutor, you may choose working hours according to your convenience. In contrast to standard jobs with a fixed working schedule, being a tutor brings flexibility to the job timing. This gives you more time to plan other things in your life and improve your work-life balance.

This gives ample of time to spend attend to your family matters. In addition, this job will rarely have any deadline, so there is not stress in this regard.

Helping students

Many students are stressed because they cannot cope with the scope of the subject. Many others are afraid that they will get low grades in a particular subject. As a tutor, you get to alleviate their fear and increase their understanding in a particular subject.

This helps them to overcome their mental blocks and choose their future field of study. It directly affects their career choice later in life.

Source of income

A lot of students need tutoring and coaching at different levels of their. Tutors get to choose the price for their services according to their time and effort involved. Being a tutor ensures that you will have a steady source of income.

Personal improvement

A tutor gets to interact with a lot of students and each one of them has a different personality. The tutor has to use different teaching approaches for every student. They get to experience happiness when their student fares well in the examination.

Similarly, they are part of their sorrow when they do not perform well.These emotions make the tutors better and more empathic individuals.

Challenging yet fulfilling job

Tutors get to face new challenges everyday. A successful tutoring job requires a lot of patience and open mindedness. In addition, the tutor has to stay positive, especially in tough times because their students learn a lot from them. This makes the job of a tutor pretty challenging, and fulfilling at the same time.

Learning new skills

Being a tutor is a great way to hone problem solving and critical thinking skills. Finding innovative ways to solve problems has a positive effect on the tutor. Teaching a subject will almost certainly involve reading and updating existing knowledge. Overall, the experience enriches the skill-set of the tutor.

Staying young at heart

Being in the company of youngsters opens our mind and thoughts. We learn to look at things from their perspective. This is great for keeping us young at heart and not letting us be weighed down by our problems.

Making a difference in someone’s life

As a tutor, we have the power to make a positive change in the student’s life and prepare them for life’s challenges ahead. Very few careers have this aspect. The students remember the good teachers and tutors for the rest of their lives. They also carry their learnings throughout their professional and future life.

April 7, 2018

KMTC 2018 intake and the courses offered

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KMTC 2018 intake and the courses offered
Kenya Medical Training College (KMTC); the leading medical training center at the middle-level was founded in 1927 under the Ministry of Health.

Though it started with only four students at Kenya Institute of Administration (KIA) Kabete, the institution currently hosts more than 22,000 scholars pursuing over 50 KMTC courses.

Consequently, KMTC graduates more than 6,000 medical professionals annually to serve in the private and public healthcare sectors. This amounts to an approximate of 80 percent of Kenya’s medical workforce.
Latest Updated on Mar 6, 2018 
KMTC 2018-intak-courses-offered

KMTC courses and qualifications

The different levels available for KMTC courses include higher diplomas, certificates, and diplomas, and the institution has in the recent past introduced new courses to gather for the ever-increasing healthcare needs. Here are some of the courses available for KMTC 2018 intake and their respective entry requirements.

KMTC 2018 certificate courses

Certificate in nursing

This certificate course takes two and half years to complete where students seeking to join must have obtained a C- in Kiswahili or English and Biology or Biological Sciences. They must also have a D+ in Mathematics, Physics, Physical Sciences, and Chemistry.  The students who qualify to enroll for the Certificate in Nursing course can study at MTC colleges in Kabarnet, Lodwar, and Garissa.

Certificate in Orthopaedic Plaster Technology 

The minimum entry requirements for this course include a C- in Kiswahili or English, a D+ in Physics or Maths, or Physical Science. It also requires a D+ in Home Science, Agriculture, or Chemistry and is offered at KMTC Nairobi talking two years to complete.

Certificate in Psychiatric Nursing

The entry qualifications for this course include a C- in Kiswahili or English, Biology or Biological Sciences and D+ in Mathematics, Physics or Chemistry. Offered at KMTC Mathari, the certificate course in Psychiatric nursing take runs for two and half years before the students are graduated.

KMTC 2018 intake Diploma courses

There are various courses offered by KMTC for 2018 intake as detailed below:
  • Post-Basic Diploma in Occupational Safety and Health-On a full-time basis, this course takes a full academic year to complete and is offered at KMTC Nairobi. Those seeking to enroll for a Post-Basic diploma in Occupational Safety and Health include serving as Public Health Officer (PHO).
  • Post-Basic Diploma in Food, Science, and Inspection-While this KMTC course is offered at KMTC Nairobi branches on a full-time basis, the entry requirements for those seeking to enroll include serving PHOs. This enables the learners to function well and specialize in environmental health management where they take on year at the institution.
  • In-service Diploma in EHS (Regular)-The course is meant for the technicians in the public health sector who want to advance to PHOs. It is offered in various KMTC colleges in Kabarnet, Machakos, Nakuru, Lodwar, Kisumu, Nyeri, Embu, and Kakamega.
  • Basic Diploma in Environmental Health Science-The entry requirements for this course include KCSE mean grade C with a C in Kiswahili or English or one of the three sciences. It is offered at various KMTC colleges located across the country in Nairobi, Embu, Kakamega, Kisumu, Kabarnet, Nyeri, Machakos, Mswambeni, Kitui and Nakuru. For students to complete the course, they must study full-time for three years.

KMTC Higher Diploma Courses

The following are some of the leading higher diploma courses offered at various KMTC campuses in the country:
  • Higher Diploma in Epidemiology (Parallel)-The minimum entry requirements for this course include Diploma in Community Oral Health, Medical Laboratory Technology, Public Health, Health Records and Information, Clinical Medicine, or Nursing from KMTC.
  • Diploma in Pharmacy-Students who want to enroll for Diploma in Pharmacy must have obtained a KCSE mean grade C with C in Kiswahili, English, Chemistry, Physics, or Biology or any other qualification as determined by KMTC academic board. While the course is full-time and takes two years to complete with lab practical, it includes an attachment of seven months in any community pharmacies, company and hospital. Qualified applicants will study at various KMTC colleges in Kisumu, Nakuru, Nairobi, Manza, Nyeri, and Mombasa.

Latest KMTC Courses for 2018 intake

In its efforts to help the government in handling emerging healthcare issues, KMTC has introduced some new courses that students can apply for in 2018. These courses include the following:
  • Health Education and Promotion
  • Health Systems Management
  • Nurse Anesthesia
  • Nephrology
  • Orthopedic trauma medicine
  • Enrolled Community Nursing
  • Palliative care nursing

KMTC 2018 intake and admissions

KMTC offers both regular (government-sponsored) and parallel (private-sponsored) programs where the parallel program's intake is held in March while regular programs intake is in September. The registration for 2018 parallel program closed on the 28th January.

Usually, KMTC course advertisements are published in October in the local newspapers. Students are advised to attach relevant academic certificates and national ID or birth certificate with the application form.

Students who apply for the different KMTC courses must pay Kshs. 2,000 non-refundable fee or $50 for foreigners through Banker’s Cheque or National Bank deposit.

This fee payment, however, does not offer admission guarantee into the college as that only depends on the applicant’s qualification.

Where to find KMTC fee structure and application form

KMTC fee structure depends on the student category whether regular, parallel or foreign. The fee structures for each of these categories can easily be downloaded from the institution’s website www.kmtc.ac.ke and the completed applications addressed to the following address:

The Director
Kenya Medical Training College
P.O. Box 30195-00100
Nairobi, Kenya

All KMTC campuses are strategically located near district or provincial health facilities for students to seamlessly complete their clinical attachment. KMTC is also well-endowed with experienced and qualified instructors and administrative personnel.

Hence, the institution attracts international students from East and Central Africa countries like Burundi, Uganda, Tanzania, DRC, and Sudan.

The rapid growth of KMTC from its humble beginnings is attributed to the constant government support, commitment of the staff and the diligence of the scholars.

April 6, 2018

4 steps to Build Your Child's Problem Solving Skills

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4 steps to Build Your Child's Problem Solving Skills
In this competitive world, not only parents, but children also face the problem even in class, school, home, and in society. This article describes how you can teach your child to face the problem by building child problem solving skills.

Latest Updated on 06.04.2018

There is a palette of skills that every child has to learn and build upon before he/she is ready to face the complexities of life outside the familiar and safe home environment.

Be it social skills, negotiation skills, leadership skills or problem solving skills, parents can positively reinforce patterns of behavior and encourage their children to effectively deal with problems when they occur.
Build Your Child's Problem Solving Skills
A child who has good problem solving skills will also have a strong will, because solving a difficult task implies persevering until a solution is found, and enough confidence to tackle yet harder and harder issues without being afraid.

Without a doubt, children can benefit from developing adequate problem solving skills, and not just short-term, especially because it helps them feel in control, capable, and it boosts their self-esteem.

Alongside, imagination and creativity, as cognitive processes related to problem solving, are equally stimulated.

Examandinterviewtips.com collected some of the best tips to get your child to work on those problem solving skills imply that you have the time, patience and desire to get involved in the process beginning with your child's yearly childhood:
  • First of all you have to stimulate your child's curiosity. Show him/her how many different kinds of trees there are in the park or how gravity works. Then let the child explore his/her environment freely and encourage touching and feeling the texture of objects around him/her. When he/she gets bored you can propose other ways for them to experience those objects by weighting or measuring them, by imagining what they could be used for and so on.
  • The next step is to encourage self-expression. Remember that children see the world from a totally different perspective than adults do. For them everything is novelty and asking questions is their way of getting a grasp of the immense complexity surrounding them. To this extent, never let a question unanswered and strive to explain in words that your child can understand what he/she asks.
  • For the third step you need to encourage your child's independent thought and action. For example, if your child breaks a toy ask him/her how the toy could be mended and let him/her do it, or create hypothetical situations which involve finding a solution to a problem and ask the child how he/she would solve them. Always reward the child's efforts and abstain from trying to help with finding the right answer.
  • The last stage is follow-up. Make sure that your child receives an everyday task that he/she needs to attend to and which involves using his/her problem solving skills. It can easily be a puzzle game, filling the missing words in a text, writing a song, repairing a broken object or finding the shortest route home.

April 4, 2018

Lessons that being Debt-Free teaches you

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Lessons that being Debt-Free teaches you
The fact that you are now at “debt zero” is immensely gratifying, as the only direction your net worth could go is upwards. But still remain cautious!

Even though you are on the right track in regards to managing your finances, staying debt-free is not easy. It is going to be one of the biggest challenges you face. Here are a few things that being debt-free will teach you:

Last Updated : April 04,2018


Saving Money Is A Skill That You Need To Practice

Saving money is not as much fun anymore as you are not paying off your debt. The skill of saving some money from your total income is something you should master.

As most people fail to do so, they are left with little money or no money by the end of the month. After becoming debt free a lot of people tend to save less money and spend more on other expensive life events.

This habit will only bring in more problems for you as your total savings will be much lesser than the amount that you have been spending. This is beyond the fact that the motivation to save is not as great as the motivation to pay down debts.

Most people tend spend a lot of money even despite aiming to save most of it. Therefore, if your goal is to save money, decide an amount you want to stash away each month. You need to calculate the amount you are going to be spending each month on bills and other expenses.

The amount that you are left with after paying off all your bills is the amount you need to save. If not the whole amount, make it a habit to at least save some of it. This way, you will be left with at least some money by the end of the month.

The money that you save can even be useful in emergencies. Medical emergencies can happen unexpectedly and it is better you have at least the initial amount required during this time saved in your account.

Otherwise, you might have to take out loans again and keep paying the debt every month. Therefore, saving money is very essential and a habit that you need to develop for keeping yourself debt-free.

It Is More Important That You Save Your Savings

Are you equally guilty of taking money out of your savings to spend it on one thing or another? Most people are. And a lot of people have the habit of taking money out of their savings with the aim of depositing the same amount back later on.

If you have a similar tendency, the only thing that you need to know is that this habit might push you down the path of further debt again.

Proper budgeting will allow you to resist such temptations. Although, it is just as possible that you might have to take money out of your savings, despite budgeting your expenses, as in some cases that might be the only option available.

Life is expensive – we get it!

Once you are debt free, your budgeting skills are going to be put to the test. There are going to be moments in life that will force to spend your savings and start from square one.

You might decide to move to a new place, your car might need servicing so that it functions properly, or you might decide to go on a trip.

There are going to be times where you are paying for somebody else’s mistakes. All these events are going to affect your savings and your budget. You might even have to go through medical treatments that may cost you a time. Later, you will have to submit the receipts so you can be reimbursed.

Ultimately, life is going to happen while you are learning to save.

Falling back into the trap of debt

Fight that urge of swiping a credit card if you are serious about not falling back into the pit of debt.

For example, you might need to replace something in your house for example like your bed. Instead of swiping a credit card and buying a new one, you must plan in advance.

You need to calculate the amount you need to save before you go out to purchase a new bed.

You can first go out and do some research on how much the new bed is going to cost you.

Don’t be enticed by salesman offering zero interest repayments on credit card deals. Once you swipe that credit card, you are back in debt.

Find ways to earn money to increase your savings

There are various ways to earn money. You can sell some unwanted items in your house to earn some cash.

You can rent out your garage space or maybe one of the rooms in your house. If you are looking for bigger income sources, you can sell the properties you own or can sell your car to buy a smaller car which is equally comfortable. You can even make some decorative items in your house and sell them online.

One way you can boost your savings is by checking if you have any PPI policy taken under your name. If you discover that you do have a PPI policy in your name and that you were mis-sold the policy by your bank or the lender, you can always make a claim all by yourself.

Experience The Bliss of Being Debt Free

Sticking to your budget can be difficult but living a debt-free life is bliss. Not having to constantly worry about repayments is very relieving. You may feel the urge to swipe sometimes, but the decision to get out and stay out of debt will give you more freedom than you could have asked for.

March 28, 2018

Top Things You Should Work On In Your Resume For A Successful Application

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Top Things You Should Work On In Your Resume For A Successful Application
When it comes to applying for your dream job, remember that there's more to everything than just preparing for the dreaded job interview. A lot of people tend to forget that you can't exactly be in an interview if your resume doesn't make the cut. Having a resume that stands out, however, it isn't easy either.

Statistics from Glassdoor for Employers indicated that for each corporate job opening, there's actually around 250 resumes that come rushing in. Of these, however, only four to six will actually proceed to the next step.

This means 1.6-percent of resumes for every corporate job opening only make the cut.

This seems dreadful at first glance, but you can actually pull off a resume that would surely catch the eye of employers. Here are a few tips:
  1. Keep it short and concise. If you can keep your resume to one to two pages, this is optimal. This also poses a challenge as it forces you to keep all the most relevant information on the first few pages. If you have a summary statement, or three sentences' worth of your objectives as an applicant, put them at the top. Don't keep this generic, and try to make this unique to yourself as this is the gateway to your brand.
  2. Keep your resume relatable to the kind of job you're applying for. If your skillset can switch in between creative and non-creative roles, then perhaps keep a creative and non-creative iteration of your resume. That way, you can at least give a resume appropriate for the style and setting of the workplace you want to work.
  3. Keep your resume packed with things that are related to your work. If for instance you have opportunities to include a link to your social media, LinkedIn, and/or your portfolio, include them especially if it shows off some of your work. In fact, try to get recommendations from LinkedIn that fit the qualifications you've listed inside your resume.
  4. Start by listing your skill set right after your summary of experience. This allows employers to pay more attention to details specifically to your qualifications instead of simply focusing on where you've worked before. Try to see if you can include a bit of numbers with your work, as you can have employers that pay more attention if you use dollar signs and percentages in your resume.
  5. In speaking of lists; try listing all your achievements using the "In X, I did Y to achieve Z" format. This allows you to accurately represent your achievements properly in a way that is easily understood.
  6. Try to include a cover letter with your resume, and if you do, make sure you address the recipient with a name and not just a generic title.

    This shows employers that you've actually taken the time to research about the intricacies of the company, down to the personnel.
Conclusion

Being successful with your application for your dream job means being able to pull everything off properly, which puts you into a disadvantage because you don't know just exactly how your dream company's screening process goes.

Once you nail that resume, however, then this can put you at a great advantage. Executing the top things you should work on in your resume can allow you to best your peers in terms of just how properly detailed and informative your resume is.

If you're looking into other legal things you should study in relation to your potential employment, click here.