KLASSIK CYPHER

Are you a Dope rapper?

Check poster for details.....

Inspiration: 10 Rules for Real Success

#1. Give more than expected. Say less than
required.
#2. See problems as blessings. And setbacks as
opportunities to make things 100X better.
#3. Innovate daily. Iterate relentlessly. Good
enough is average.
#4. Take care of the relationship and the money
takes care of itself.
#5. If you're the most successful person you know,
get to know new people.
#6. To double your income and impact, triple your
investment in your personal development and
professional education.
#7. Rise at 5 am. Spend that first hour on fitness,
gratitude and reading. The way you start your day
drives how beautifully you live it.
#8. Fall in love with giving ridiculous amounts of
value to your customers. They'll become your
fanatical followers. And they deserve your best.
#9. Cherish your family. In the end, how well you
treated them will be so important.
#10. Do your private dreams. But even more
importantly, serve the world. So when you leave it,
your footprints endure. We all deserve no less from
you.

Be great this week.
‪#‎SantoNation‬ ‪#‎KlassikEffect‬

5 MUST NOT Do When Asking Her Out

1. Asking Her Out When There’s No Mutual Interest.

The first thing you should avoid is asking her out when there’s no mutual interest. If you ask a girl out that hasn’t shown a trace of interest in you, you’re setting yourself up for utter disaster. The reason for this is because dating is only successful when both participants are interested in each other. If you pine over a girl and she hardly notices you, then get to know her better to see if there’s any true dating potential.

2. Don’t Make It Seem Like She’d Be Doing You A Favor By Dating You.

If you make it seem like she’d be doing you a favor by dating you, you might as well tell her that she’s too good for you, and that you’re not worth dating. Taking this approach will show her you lack confidence and self worth which are two very unattractive traits. Another important reason to avoid this approach is because it makes it seem like you’re trying to get something from her. This is something that will make her very hesitant to date you because dating should be beneficial for both you and her. If you make it seem like you have nothing to offer and will only be taking away from her, there’s no reason why she’ll agree to date you.

3. Don’t Do It In Front Of Her Friends Or Your Friends.

One surefire way to make her feel uncomfortable when asking her out is doing it in front of her friends or your friends. Dating is a more personal matter that should be initiated in private as much as possible. This will make her feel more comfortable and less pressured when asked out. Another reason why asking her out in front of her friends or your friends is a bad idea is because you should be spending time with her alone before you even think about asking her out. If you don’t ever spend any time alone with her and haven’t developed some sort of one on one friendship with her, asking her out would seem sudden and unnatural, which could scare her away.

4. Don’t Use Text Messages, Emails, Or Social Networking Sites

The If you want to display a complete lack of self confidence to a girl, ask her out using a text message, email, or social networking site. Because technology is so pervasive in our lives today, it may seem natural to ask a girl out by using a text message, email, or social networking site.

5. Don’t Make A Big Deal Out Of It, Especially If Rejected.

Another thing to avoid when asking her out is making a big deal out of it. If you do this, she will likely feel pressured, uncomfortable, and even creeped out, which will only increase your chances of rejection. If you are comfortable with a girl on a potentially romantic level, asking her out on a date should be a very natural progression for both you and her. You shouldn’t have to over think it or build up to it too much.

Windows 8 Product Key

Windows serial keys all
Windows 8.1 Professional
GCRJD-8NW9H-F2CDX-CCM8D-9D6T9
Windows 8.1 Professional N
HMCNV-VVBFX-7HMBH-CTY9B-B4FXY
Windows 8.1 Enterprise
MHF9N-XY6XB-WVXMC-BTDCT-MKKG7
Windows 8.1 Enterprise N
TT4HM-HN7YT-62K67-RGRQJ-JFFXW
Windows 8
Windows 8 Professional
NG4HW-VH26C-733KW-K6F98-J8CK4
Windows 8 Professional N
XCVCF-2NXM9-723PB-MHCB7-2RYQQ
Windows 8 Enterprise
32JNW-9KQ84-P47T8-D8GGY-CWCK7
Windows 8 Enterprise N
JMNMF-RHW7P-DMY6X-RF3DR-X2BQT
Windows 7
Windows 7 Professional
FJ82H-XT6CR-J8D7P-XQJJ2-GPDD4
Windows 7 Professional N
MRPKT-YTG23-K7D7T-X2JMM-QY7MG
Windows 7 Enterprise
33PXH-7Y6KF-2VJC9-XBBR8-HVTHH
Windows 7 Enterprise N
YDRBP-3D83W-TY26F-D46B2-XCKRJ
Windows 7 Enterprise E
C29WB-22CC8-VJ326-GHFJW-H9DH4
Windows Server 2012 R2
Windows Server 2012 R2 Server Standard
D2N9P-3P6X9-2R39C-7RTCD-MDVJX
Windows Server 2012 R2 Datacenter
W3GGN-FT8W3-Y4M27-J84CP-Q3VJ9
Windows Server 2012 R2 Essentials
KNC87-3J2TX-XB4WP-VCPJV-M4FWM
Windows Server 2012
Windows Server 2012 Core
BN3D2-R7TKB-3YPBD-8DRP2-27GG4
Windows Server 2012 Core N
8N2M2-HWPGY-7PGT9-HGDD8-GVGGY
Windows Server 2012 Core Single Language
2WN2H-YGCQR-KFX6K-CD6TF-84YXQ
Windows Server 2012 Core Country Specific
4K36P-JN4VD-GDC6V-KDT89-DYFKP
Windows Server 2012 Server Standard
XC9B7-NBPP2-83J2H-RHMBY-92BT4
Windows Server 2012
Standard Core
XC9B7-NBPP2-83J2H-RHMBY-92BT4
Windows Server 2012 Multipoint Standard
HM7DN-YVMH3-46JC3-XYTG7-CYQJJ
Windows Server 2012 Multipoint Premium
XNH6W-2V9GX-RGJ4K-Y8X6F-QGJ2G
Windows Server 2012 Datacenter
48HP8-DN98B-MYWDG-T2DCC-8W83P
Windows Server 2012 Datacenter Core
48HP8-DN98B-MYWDG-T2DCC-8W83P
Windows Server 2008 R2
Windows Server 2008 R2 HPC Edition
FKJQ8-TMCVP-FRMR7-4WR42-3JCD7
Windows Server 2008 R2 Datacenter
74YFP-3QFB3-KQT8W-PMXWJ-7M648
Windows Server 2008 R2 Enterprise
489J6-VHDMP-X63PK-3K798-CPX3Y
Windows Server 2008 R2 for Itanium-Based Systems
GT63C-RJFQ3-4GMB6-BRFB9-CB83V
Windows Server 2008 R2 Standard
YC6KT-GKW9T-YTKYR-T4X34-R7VHC
Windows Web Server 2008 R2
6TPJF-RBVHG-WBW2R-86QPH-6RTM4

DON NOT GIVE UP

This is a story about how important is being persistent and never give up, no matter how many failures you have experienced in the past.

A man was spending his holiday in Africa. One day he watched the elephants passing by. To his great surprise these giant strong animals were being held only by a small rope, tied to their front leg. Obviously, they could easily run away any moment. However, they did not.

Then he saw a trainer and asked him, how could this happen that not a single elephant makes an attempt to break free. The trainer explained: „When the elephants are very young, we use the same size rope to tie them, and at that time it is enough to hold them. Gradually they grow up, get stronger, nevertheless they never try to get away, as they believe that the rope will still hold them.

The man was stunned. These strong animals could break free any time, but they did not, because they believed that this is impossible. 

Sometimes people act like elephants, when they give up after the first failure. Remember, that failures are part of learning. If we want to succeed, we should never give up, but try and try again.

MONEY MATTERS: Notable Events This Week

- KenGen seeks KES 8bn for power plant

- Coal plant to tap local lenders for KES 18.2bn

- NIC Bank enters into asset leasing with new subsidiary

- Kenya’s debt burden may double

KenGen seeks KES 8bn for power plant-Electricity generating firm KenGen is seeking KES 8.2bn to construct an additional geothermal unit at the Olkaria1 plant to shore up the country’s installed power. The State-owned firm said the 70 megawatts (MW) project is valued at KES 18.2bn but it can only raise KES 10bn. The planned project comes just weeks after KenGen connected 230MW of geothermal power to the national grid between August and December last year.An additional 15MW is expected in May from geothermal wellheads. KenGen is targeting to inject another 560MW of geothermal power to the national grid in the next four years, which could offer further reprieve for consumers in the form of lower power bills. The additional geothermal power has helped cut electricity bills by about 30 per cent since August following the drop in the fuel surcharge from KES 7.22 per kilowatt hour (kWh) in July to KES 2.51 this month. (Source: Business Daily)

Coal plant to tap local lenders for KES 18.2bn-The consortium that won a tender to construct a coal-fired plant in Lamu is seeking KES 18.2bn from local banks ahead of groundbreaking in September. The consortium has already commenced talks with undisclosed lenders for the funds translating into about 10% of the total cost of the KES 182.6bn (USD 2bn). Overall, the project will be financed through debt which accounts for slightly over three quarters (USD 1.4bn) with shareholders’ equity of USD 500m. KES 109.5bn (USD 1.2bn) has been signed with Industrial Commercial Bank of China. The African Development Bank (AfDB) will provide a partial risk guarantee for the coal plant, the largest in East and Central Africa. Construction of the 960MW coal plant is expected to start on September 30^th and will take 21months generating energy at a cost of USc 7.52 per kWh, a third of the price of diesel plants. Overall, the project will be financed through debt which accounts for slightly over three quarters (USD 1.4bn) with shareholders’ equity of USD 500m. (Source: Business Daily)

NIC Bank enters into asset leasing with new subsidiary-NIC Bank has established a subsidiary, NIC Leasing Ltd Liability Partnership (LLP) to enter the asset-hiring business since the law prohibits lenders to rent out equipment and real assets. NIC becomes the first bank to enter leasing business in the country which is estimated to have a penetration rate of 6% compared to global rate of 38%, underlining the growth potential in the industry. Previously, NIC would link customers with leasing companies and provide the financing, the arrangement will see NIC be able to provide the equipment and the financing under one roof.(Source: Business Daily)

Kenya’s debt burden may double- A study by global consulting firm Control Risks indicates that Kenya’s debt burden could double in the next two years as a result of failure by the government to tackle key structural issues related to the economy. Currently, Kenya’s external debt stands at KES 2.3tn, with 54% being foreign. The government has committed to borrow further to finance public infrastructure projects including power plants and road construction. Last year, Treasury got parliamentary approval to raise the maximum amount it can borrow from KES 1.2tn to KES 2.5tn, citing the need for more capital to fund flagship projects. Last month, the World Bank warned that external debts and reduced inflows of foreign investments are set to affect developing nations such as Kenya. Foreign debt repayment is expected to become expensive as the US Federal Reserve Bank withdraws its quantitative easing program. (Source: Daily Nation)

Equity trading expectations

-Demand on banking sectors ahead of FY14 results release

-Demand on SCOM , touched a high of KES 15.95 yesterday.

Note:

KCB and CfC Stanbic releasing FY14 results on Thursday.

MONEY MATTERS: Notable Events This Week

 Uchumi posts a half year loss of KES 262m

- Co-op pushes for 60pc pie to banking agents

- CBK backs cheap oil imports to shore up shilling

- Cement, steel manufacturers cut retail prices

Uchumi posts a half year loss of KES 262m-Uchumi posted a half year loss of KES 262.3m in 1H15 compared to a net profit of KES 106.9m in 1H14 attributable to lower sales, high operational costs and increased competition. Revenue declined by 6.3% to KES 6.8bn while operating expenses increased by 10% to KES 1.7bn. Finance costs doubled to KES 60m as the retailer continued servicing the loans incurred to support expansion. The results come after Uchumi raised KES 895.8m through a rights issue last year, an offer that was oversubscribed by 85%. The retailer is banking on the proceeds to boost cash flow, pay suppliers on time, refurbish its existing outlets and fund expansion. So far, two branches were opened in Tanzania in 1H15 bringing total network in Tanzania to 5. Uchumi currently has 37 outlets across East Africa. (Source: Daily Nation)

Co-op pushes for 60pc pie to banking agents- Cooperative Bank has dropped the KES 20 charged on deposits made via an agent and KES 50 charged on rent and school fees payments as it seeks to push 60% of its transactions to agencies and mobile money platform to reduce costs. Management has stated that the use of agencies and mobile money would free staff time enabling more personal attention to customers as customer numbers inside banking halls reduce. Additionally, the maximum daily amount that can be withdrawn via the ATMs has been doubled to KES 40,000.The lender aims to have the bulk of transactions conducted through ATMs, agencies and mobile banking platform. (Source: Business Daily)

 

CBK backs cheap oil imports to shore up shilling-Central Bank of Kenya (CBK) has discounted predictions that the shilling will lose against the dollar, citing reduced import bill to contradict market analysts. CBK said it is basing forecast of a stronger local currency on the dropping fuel prices that should result in a lower import bill. In a statement posted on its website, the financial market regulator stated that the Kenya shilling depreciation against the US dollar has been gradual and has now stabilized with a bias towards strengthening or appreciation. The shilling traded at 91.4 to the dollar, a marginal decline from the previous day of 91.36. CBK is also relying on high foreign currency reserves arising from cash received in the two sovereign bond sales made last year in addition to the KES 63bn precautionary loan from IMF that will be used to defend the shilling in case of any external or internal shocks. Analysts however have been betting on a weak shilling owing to low dollar inflows from the conventional foreign exchange earners—tourism and agriculture. (Source: Business Daily)

 

Cement, steel manufacturers cut retail prices- Steel and cement manufacturers have joined food processors and long distance buses in cutting prices as pressure mounts on other producers to transfer benefit of dropping energy prices to consumers. National Cement has cut the ex-factory price of its Simba brand by KES 25 to KES 575 per 50kg bag – retail prices vary depending on the location due transport cost component. Steel, critical for supporting structures, is priced 11.2 per cent lower at KES 64,865 (USD 710) per tonne. The reduction was as a result of lower electricity costs since October giving the cement maker room to reduce the prices. Electricity tariff for industrial consumers has declined by about 30% in the six month period. Fuel surcharge, eased by the injection of 280MW of geothermal power to the grid between August and December, has dropped from KES 7.22 per kilowatt hour (kWh) in July to KES 2.51 this month. The lower prices of the building materials bode well for property developers and the government which is undertaking or planning to build key infrastructure development projects including a 10,000km road network and Lamu Port and South Sudan Ethiopia Transport (Lapsset) Corridor. (Source: Business Daily)

Equity trading expectations

-Demand on banking counters ahead of full year results release.

-Demand on Safaricom. Touched a high of KES 15.50 last week.

-Activity on Uchumi following 1H15 results release.