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  • 04 Dec 2016
    Do you think you deserve more pay but are not getting noticed? Does it seem like everyone around you is getting their worth at work and you;re not? Here's how to improve this..   Every career person looks forward to the day their employer will reward them. And what better reward than a pay rise!   However, before your boss thinks of adding a couple of shillings to your salary, there are certain things that you need to do to convince them that you really deserve to be paid more.   Rahab Mungai, a marketing executive with a local milling company had been on her probation salary of Sh15,000 for two years.   When she finally got her letter of appointment, the only thing that had been added on top of her salary was house allowance of about Sh4,500 and lunch allowance of Sh600.   Rahab couldn’t take it any more considering that some of her colleagues were being paid way above her gross salary. So she decided to persistently talk to her manager on increasing her salary.   “I started negotiating with my boss but he kept on telling me to hold on. Unfortunately, he left the position before he had fulfilled what he told me. After a few months, I had to plead my case with a new manager who came on board,” says Rahab.   Her persistence somewhat paid off when her salary was increased to Sh30,000.   “I was anticipating more than that, not for the sake of just wanting lots of money, but because I believe my work output was way above some of my colleagues who were easily awarded huge salary increments without much discussion. I am still working hard and hope that my manger will notice my output and reward me the way I deserve,” she says.   Just like Rahab, many other employees find themselves in such a predicament. They want to be paid more but it just doesn’t come easy. You have to prove that you deserve it.   There are specific actions an employee can take to impress their superiors-and take home a bigger paycheck.   Here are some tips that will help you become – or remain – a valued employee.   1. Develop your brand Joseph Karamoja, Lead Consultant, Image Savvy Africa says the employee who takes personal branding seriously will easily earn the attention of his or her boss.   “As an employee, you need to harness the power of personal branding. Package yourself in such a way that you remain outstanding,” says Karamoja.   “This can be done by adopting particular characteristics such as addressing the clients in a proper manner, reporting to work on time, interacting well with the rest of your colleagues or even dressing sharper. You will easily be noticed by the boss,” he says.   2. Be solution-oriented Lucy Gacheru, a talent search specialist advises that every employee should be someone who offers solutions that can assist in running the company, and not just one who always poses questions and problems to his or her superiors or panics whenever something is not going right.   “If there is a problem at work, an employee should be able to offer solutions other than expect the boss to always intervene. They should have two to three ideas or solutions to mitigate the problem,” she says.   3. Work on your personal development As an employee, you need to pursue personal growth first by expanding self-awareness and knowledge and improving your personal skills. You need to aim to get better than you already are and this will in turn help in your career growth.   Jeff Nthiwa a life coach and motivational speaker says we are paid for bringing value to the market through the various jobs we hold. But we need to work on ourselves first if we are to achieve much at the workplace.   “Re-examine yourself and establish whether you have a skill or talent that can add value to your work,” says Nthiwa. “Work on that skill and sooner than later, the boss will notice and view you as someone who is undergoing positive growth.”   4. Have a clear understanding of the business Many employees have no in-depth understanding of what their business is all about.   According to Gacheru, as an employee, you need to know what the company does, what it stands for and how it impacts the society.   “You cannot be fully impactful in a company if you have no knowledge of what it does. It is important that you understand your company’s business, she says.   Studies have shown that when people are contributing to a higher purpose, they are likely to have a healthier outlook on life and be more resilient to stress. The same is true of the workplace.   “We work to ensure that at the end of the month, we have to be pay the bills, but money should not just be the overall purpose. We should strive to present our abilities and show the world what we are capable of doing the best way possible,” says Pauline Mutua, a life coach.   “This will, in turn, win the hearts of any employer as they will feel their employees are putting the much energy needed to scale the heights of the organization,” she says.   6. Stand out from the rest Karamoja says if you are a team in a department at your workplace and you are all tasked with the same roles, you can strive to differentiate yourself from the rest.   “For example, in the case where there are six relationship managers in a bank, one can always stand out from the rest by dressing better, being organized, having better team work with his or her colleagues and going beyond their role. These are tickets to making your boss realize that you are much more valuable,” says Karamoja.   7. Expand your responsibilities It may feel like another burden added on to your already crazy schedule but it shouldn’t, says Evans Obiero, a human resource consultant.   Obiero says it is important to gradually expand your responsibilities whenever an opportunity presents itself.   “There could be a gap in the office, a position that needs to be filled. As the management works round the clock to look for someone to take up that position, you can volunteer to take up some of that work and this is likely to position you as a team player and someone who has the interests of the company at heart. This will make you valuable to the organization and the boss may not want to let you go,” he says.   Vellah Aoko, an accountant concurs that this worked for her. She strives to give her best in the duties assigned to her and even going an extra mile when necessary.   “I work in a hotel with two branches, one in Nairobi and the other in Garissa. My base is in Nairobi but many are the times I have been called upon by my boss to make monthly trips to Garissa so as to assist with the finance related work,” says Aoko.   “As a wife and mother of two, I have had to make that sacrifice to be away from them for some time but I am happy it paid off since my boss noticed my commitment and gave me a salary increase. Plus I love what I do,” she says.   7. Time management Time is a key factor in the workplace. Gacheru says an employee who strives to keep time greatly contributes to the success of a company.   “If you show up late for meetings or you are generally not a good time manager, you do not contribute to the bottom line of the company and your commitment to your job is questionable,” she says.   8. Be straightforward and negotiate Gacheru concludes by saying that it is paramount that an employee communicates with his or her employer on their professional worth directly.   She advises that it is strategic to sit down and evaluate your skill-set, experience, technical competency and have a general feel on the market rates before negotiating with your boss.   “Be very strategic, objective and tactful on how you communicate your worth,” she says.   She goes on to add that knowing what your experience is, your academic qualifications and the skills that you possess are some of the factors that will help you evaluate your professional worth wholesomely.   Her sentiments are echoed by career columnist Tania Ngima who is a strategy and finance specialist.   “Negotiation is a difficult process when you do not have the information and data you need to reinforce your position. Be prepared both in terms of the industry or market benchmarks as well as the ins and outs of the organization. This will reinforce your value,” she says.  
    148 Posted by Lunch Money
  • Do you think you deserve more pay but are not getting noticed? Does it seem like everyone around you is getting their worth at work and you;re not? Here's how to improve this..   Every career person looks forward to the day their employer will reward them. And what better reward than a pay rise!   However, before your boss thinks of adding a couple of shillings to your salary, there are certain things that you need to do to convince them that you really deserve to be paid more.   Rahab Mungai, a marketing executive with a local milling company had been on her probation salary of Sh15,000 for two years.   When she finally got her letter of appointment, the only thing that had been added on top of her salary was house allowance of about Sh4,500 and lunch allowance of Sh600.   Rahab couldn’t take it any more considering that some of her colleagues were being paid way above her gross salary. So she decided to persistently talk to her manager on increasing her salary.   “I started negotiating with my boss but he kept on telling me to hold on. Unfortunately, he left the position before he had fulfilled what he told me. After a few months, I had to plead my case with a new manager who came on board,” says Rahab.   Her persistence somewhat paid off when her salary was increased to Sh30,000.   “I was anticipating more than that, not for the sake of just wanting lots of money, but because I believe my work output was way above some of my colleagues who were easily awarded huge salary increments without much discussion. I am still working hard and hope that my manger will notice my output and reward me the way I deserve,” she says.   Just like Rahab, many other employees find themselves in such a predicament. They want to be paid more but it just doesn’t come easy. You have to prove that you deserve it.   There are specific actions an employee can take to impress their superiors-and take home a bigger paycheck.   Here are some tips that will help you become – or remain – a valued employee.   1. Develop your brand Joseph Karamoja, Lead Consultant, Image Savvy Africa says the employee who takes personal branding seriously will easily earn the attention of his or her boss.   “As an employee, you need to harness the power of personal branding. Package yourself in such a way that you remain outstanding,” says Karamoja.   “This can be done by adopting particular characteristics such as addressing the clients in a proper manner, reporting to work on time, interacting well with the rest of your colleagues or even dressing sharper. You will easily be noticed by the boss,” he says.   2. Be solution-oriented Lucy Gacheru, a talent search specialist advises that every employee should be someone who offers solutions that can assist in running the company, and not just one who always poses questions and problems to his or her superiors or panics whenever something is not going right.   “If there is a problem at work, an employee should be able to offer solutions other than expect the boss to always intervene. They should have two to three ideas or solutions to mitigate the problem,” she says.   3. Work on your personal development As an employee, you need to pursue personal growth first by expanding self-awareness and knowledge and improving your personal skills. You need to aim to get better than you already are and this will in turn help in your career growth.   Jeff Nthiwa a life coach and motivational speaker says we are paid for bringing value to the market through the various jobs we hold. But we need to work on ourselves first if we are to achieve much at the workplace.   “Re-examine yourself and establish whether you have a skill or talent that can add value to your work,” says Nthiwa. “Work on that skill and sooner than later, the boss will notice and view you as someone who is undergoing positive growth.”   4. Have a clear understanding of the business Many employees have no in-depth understanding of what their business is all about.   According to Gacheru, as an employee, you need to know what the company does, what it stands for and how it impacts the society.   “You cannot be fully impactful in a company if you have no knowledge of what it does. It is important that you understand your company’s business, she says.   Studies have shown that when people are contributing to a higher purpose, they are likely to have a healthier outlook on life and be more resilient to stress. The same is true of the workplace.   “We work to ensure that at the end of the month, we have to be pay the bills, but money should not just be the overall purpose. We should strive to present our abilities and show the world what we are capable of doing the best way possible,” says Pauline Mutua, a life coach.   “This will, in turn, win the hearts of any employer as they will feel their employees are putting the much energy needed to scale the heights of the organization,” she says.   6. Stand out from the rest Karamoja says if you are a team in a department at your workplace and you are all tasked with the same roles, you can strive to differentiate yourself from the rest.   “For example, in the case where there are six relationship managers in a bank, one can always stand out from the rest by dressing better, being organized, having better team work with his or her colleagues and going beyond their role. These are tickets to making your boss realize that you are much more valuable,” says Karamoja.   7. Expand your responsibilities It may feel like another burden added on to your already crazy schedule but it shouldn’t, says Evans Obiero, a human resource consultant.   Obiero says it is important to gradually expand your responsibilities whenever an opportunity presents itself.   “There could be a gap in the office, a position that needs to be filled. As the management works round the clock to look for someone to take up that position, you can volunteer to take up some of that work and this is likely to position you as a team player and someone who has the interests of the company at heart. This will make you valuable to the organization and the boss may not want to let you go,” he says.   Vellah Aoko, an accountant concurs that this worked for her. She strives to give her best in the duties assigned to her and even going an extra mile when necessary.   “I work in a hotel with two branches, one in Nairobi and the other in Garissa. My base is in Nairobi but many are the times I have been called upon by my boss to make monthly trips to Garissa so as to assist with the finance related work,” says Aoko.   “As a wife and mother of two, I have had to make that sacrifice to be away from them for some time but I am happy it paid off since my boss noticed my commitment and gave me a salary increase. Plus I love what I do,” she says.   7. Time management Time is a key factor in the workplace. Gacheru says an employee who strives to keep time greatly contributes to the success of a company.   “If you show up late for meetings or you are generally not a good time manager, you do not contribute to the bottom line of the company and your commitment to your job is questionable,” she says.   8. Be straightforward and negotiate Gacheru concludes by saying that it is paramount that an employee communicates with his or her employer on their professional worth directly.   She advises that it is strategic to sit down and evaluate your skill-set, experience, technical competency and have a general feel on the market rates before negotiating with your boss.   “Be very strategic, objective and tactful on how you communicate your worth,” she says.   She goes on to add that knowing what your experience is, your academic qualifications and the skills that you possess are some of the factors that will help you evaluate your professional worth wholesomely.   Her sentiments are echoed by career columnist Tania Ngima who is a strategy and finance specialist.   “Negotiation is a difficult process when you do not have the information and data you need to reinforce your position. Be prepared both in terms of the industry or market benchmarks as well as the ins and outs of the organization. This will reinforce your value,” she says.  
    Dec 04, 2016 148
  • 01 Nov 2016
    Is your job demanding? Being able to deal with pressure in the workplace is a highly sought-after skill. If pressure at work is part of your everyday life, you will be pleased to learn that there are things you can do to both lower the pressure and prove to others that you can handle pressure effectively.   Here are some ideas to put into action to impress your supervisors and work colleagues with how great you handle on-the-job pressure: 1. Remain calm, always. Maintain a calm demeanor no matter what happens. This takes some practice, but the more you practice, the better you will get. Staying calm demonstrates that you have the ability to take things in stride and complete your tasks even in the face of difficult circumstances.   2. Stay focused on what needs to be accomplished. Even though the day may be stressful, keep your mind firmly focused on completing your regular responsibilities.   3. Help others to get through their taxing day. If you notice your co-workers are struggling with their tasks, help them finish and become the leader you know you are!   4. Sidestep the drama and stay positive. Refuse to engage in arguments or other disagreements with your colleagues. Keep busy to enable your thoughts to remain positive and focused. We all get sucked into drama periodically. But, if you are getting really wound up, stop and think what you feel the final resolution should be. Stop, breathe, take a step back, and the proceed with a clear mind.   5. Get help if you need it. Part of your job as an employee is to protect your employer. Notice if there is something out of line and get the help that you need immediately. Assessing the situation and taking care of issues right away demonstrates that you can think clearly under pressure.   6. Steer clear of too much caffeine. Coffee is a good stimulant, and while it can be a good thing for you in small amounts, too much of it can actually cause you undue stress. Limit your coffee intake and space them out throughout your work time. Chocolate is also a stimulant, so go easy on the chocolate snacks.   7. Take your breaks. Taking short breaks helps you release pent-up stress, rejuvenates you, and actually enables you to be more productive. Take a walk to the restroom or just get up and move about your office space.   8. Utilize your vacation time wisely. Plan your vacation during slow times at your job. Staying during the busy times shows your employer your dedication.   9. Join in with big projects. From time to time, your company may need help with a large or complex project. Take on the responsibility willingly. Showing your ability to be flexible demonstrates your willingness to step out of your comfort zone, openness to learning something new, as well as your ability to handle added pressure.   10. If you are feeling stressed, avoid letting it show too much. Carry on with your responsibilities, no matter what is going on. Consciously bringing your mind back to your current action in completing your important tasks will help you let go of worrying and other stress.
    420 Posted by Lunch Money
  • Is your job demanding? Being able to deal with pressure in the workplace is a highly sought-after skill. If pressure at work is part of your everyday life, you will be pleased to learn that there are things you can do to both lower the pressure and prove to others that you can handle pressure effectively.   Here are some ideas to put into action to impress your supervisors and work colleagues with how great you handle on-the-job pressure: 1. Remain calm, always. Maintain a calm demeanor no matter what happens. This takes some practice, but the more you practice, the better you will get. Staying calm demonstrates that you have the ability to take things in stride and complete your tasks even in the face of difficult circumstances.   2. Stay focused on what needs to be accomplished. Even though the day may be stressful, keep your mind firmly focused on completing your regular responsibilities.   3. Help others to get through their taxing day. If you notice your co-workers are struggling with their tasks, help them finish and become the leader you know you are!   4. Sidestep the drama and stay positive. Refuse to engage in arguments or other disagreements with your colleagues. Keep busy to enable your thoughts to remain positive and focused. We all get sucked into drama periodically. But, if you are getting really wound up, stop and think what you feel the final resolution should be. Stop, breathe, take a step back, and the proceed with a clear mind.   5. Get help if you need it. Part of your job as an employee is to protect your employer. Notice if there is something out of line and get the help that you need immediately. Assessing the situation and taking care of issues right away demonstrates that you can think clearly under pressure.   6. Steer clear of too much caffeine. Coffee is a good stimulant, and while it can be a good thing for you in small amounts, too much of it can actually cause you undue stress. Limit your coffee intake and space them out throughout your work time. Chocolate is also a stimulant, so go easy on the chocolate snacks.   7. Take your breaks. Taking short breaks helps you release pent-up stress, rejuvenates you, and actually enables you to be more productive. Take a walk to the restroom or just get up and move about your office space.   8. Utilize your vacation time wisely. Plan your vacation during slow times at your job. Staying during the busy times shows your employer your dedication.   9. Join in with big projects. From time to time, your company may need help with a large or complex project. Take on the responsibility willingly. Showing your ability to be flexible demonstrates your willingness to step out of your comfort zone, openness to learning something new, as well as your ability to handle added pressure.   10. If you are feeling stressed, avoid letting it show too much. Carry on with your responsibilities, no matter what is going on. Consciously bringing your mind back to your current action in completing your important tasks will help you let go of worrying and other stress.
    Nov 01, 2016 420
  • 19 Sep 2016
    I took a white paper and started to write when teacher gave assignment to write. I don’t know why, really I hate writing assignment papers. Therefore I couldn’t complete it perfectly. Not only me but also so many students hate writing papers.   Assignments are inevitable tasks of academic life. As a student, we have to write, journaling, paragraph writing, dissertation, essay writing, etc. Students need a well descriptive writing instruction to compost a good assignment paper and to communicate well. Students, who are forced to write without adequate instruction and guidance, tend to grow a hatred for writing. There are so many reasons for this hatred.   Lack of preparation and writing skill: A good writing skill must be developed so that students have to write a paper interestingly without grammar or spelling mistakes. If they do not know how to write various sentence structures efficiently they stops writing and seek help from custom essay writing service. Internet provides easy way to find online custom essay writing service and to complete their work without stress. But it should not be encouraged. A good essay paper is completed through some step-by-step process such as brainstorming the idea, outlining, composing the draft and writing the final copy.   Complexity of the subject: Writing is tough for many students. Some are not able to understand what actually the topic mean. Many approach writing sensitively and not understanding that a right way exists. This right way should be taught in the classroom itself at the time of giving assignments. Otherwise should try to understand the concrete way of writing using any other resources such as sample paper, internet or articles. The writing process of brainstorm, outline, rough draft and final copy, gives students the confidence needed to jump into any writing assignment, even higher level essay papers.   Require more time: For most of the students, writing requires too much extra effort. Even though a student has necessary skills to write a paper, writing frustrates many, because it take more time to make research and to then to write. Hatred may lead to stress which may affect student’s health badly. To save the time they may choose custom essay writing service, but it is not a good practice. All custom essay writing service is not genuine, and you may get plagiarized papers.   Lack of confidence: Different varieties of writing structures are exist, but try to know at least basic structures. The fear of failure removes when students have enough Language skill and proper guidance. Then they can get to the task at hand and will try to write.   Build self-confidence through proper planning and preparation.   I completed my academic life. Now I am realizing the use of writing assignments. Due to the lack of good writing skill I hated writing, didn’t try to achieve the writing skill. Student should approach writing assignments interestingly with love. Parents and teachers must help them to overcome stress and fear.
    137 Posted by kelly kevin
  • I took a white paper and started to write when teacher gave assignment to write. I don’t know why, really I hate writing assignment papers. Therefore I couldn’t complete it perfectly. Not only me but also so many students hate writing papers.   Assignments are inevitable tasks of academic life. As a student, we have to write, journaling, paragraph writing, dissertation, essay writing, etc. Students need a well descriptive writing instruction to compost a good assignment paper and to communicate well. Students, who are forced to write without adequate instruction and guidance, tend to grow a hatred for writing. There are so many reasons for this hatred.   Lack of preparation and writing skill: A good writing skill must be developed so that students have to write a paper interestingly without grammar or spelling mistakes. If they do not know how to write various sentence structures efficiently they stops writing and seek help from custom essay writing service. Internet provides easy way to find online custom essay writing service and to complete their work without stress. But it should not be encouraged. A good essay paper is completed through some step-by-step process such as brainstorming the idea, outlining, composing the draft and writing the final copy.   Complexity of the subject: Writing is tough for many students. Some are not able to understand what actually the topic mean. Many approach writing sensitively and not understanding that a right way exists. This right way should be taught in the classroom itself at the time of giving assignments. Otherwise should try to understand the concrete way of writing using any other resources such as sample paper, internet or articles. The writing process of brainstorm, outline, rough draft and final copy, gives students the confidence needed to jump into any writing assignment, even higher level essay papers.   Require more time: For most of the students, writing requires too much extra effort. Even though a student has necessary skills to write a paper, writing frustrates many, because it take more time to make research and to then to write. Hatred may lead to stress which may affect student’s health badly. To save the time they may choose custom essay writing service, but it is not a good practice. All custom essay writing service is not genuine, and you may get plagiarized papers.   Lack of confidence: Different varieties of writing structures are exist, but try to know at least basic structures. The fear of failure removes when students have enough Language skill and proper guidance. Then they can get to the task at hand and will try to write.   Build self-confidence through proper planning and preparation.   I completed my academic life. Now I am realizing the use of writing assignments. Due to the lack of good writing skill I hated writing, didn’t try to achieve the writing skill. Student should approach writing assignments interestingly with love. Parents and teachers must help them to overcome stress and fear.
    Sep 19, 2016 137
  • 03 Sep 2016
    Safaricom, parent of the M-Pesa mobile money platform, is eying a piece of the $13.5 billion in annual transactions in Kenya’s payment cards industry with a new debit card. In its pilot stage, the new card, which is largely expected to challenge commercial banks for card commissions, is linked to its Lipa na M-Pesa (pay with M-Pesa) service, which enables traders and individuals to settle bills at different points of sale across the country. Operating on the Near Field Communication (NFC) technology ecosystem, Safaricom’s M-Pesa debit cards and point-of-sale (POS) terminals will allow consumers to pay for goods and services much quicker on the ‘tap-and-go’ basis. It is best suited for “high-volume, low-value transactions that are typically paid for with cash (pdf)”. A transaction occurs when an NFC-enabled mobile handset is placed near a POS terminal, typically over distances of up to 10 centimetres.   The current payment set-up using M-Pesa is much slower as it requires users to follow through several stages before a transaction is completed. In a typical set-up like the cashier’s till at a supermarket, a buyer is required to input the till number, the amount money due, the M-Pesa PIN and then wait for the transaction to be completed.   The success of its flagship mobile money transaction service, M-Pesa, has inspired the mobile phone firm to seek further success in the electronic payments industry, whose popularity has however lagged behind mobile money’s in the past five years.   Many view Safaricom’s latest announcement as one that adds fuel to its fierce competition with banks, with each side devising ways of eating into the other’s market. Equity Bank, one of the largest banks in East Africa launched its mobile money service under the Equitel service in 2015, plunging into direct competition with Safaricom. In June this year, banks unveiled the Integrated Payments Service Limited (IPSL), a firm under their lobby group, the Kenya Bankers Association (KBA). The firm, an inter-operable mobile money transfer service for all lenders, is to enable direct transfer of funds between banks without having to go through M-Pesa.   Just like M-Pesa, the IPSL operates under the National Payment System (NPS) guidelines and is widely expected to cut transaction costs to consumers while keeping proceeds earned with the banks. Despite the emerging competition, many banks rely on Safaricom’s M-Pesa platform to enable their customers deposit, withdraw, borrow money, transfer funds or settle bills.   “As the M-Pesa ecosystem continues to expand, we continue to test the boundaries of the service to identify how we can continue to extend the gains of the platform to an increasing number of customers and businesses,” Safaricom’s chief executive officer Bob Collymore said. In 2015, a total of 1.3 trillion Kenyan shillings ($13 billion) was transacted through electronic payments cards in Kenya with $12 billion transacted in a prior year.   Safaricom, East Africa’s largest phone network, launched Lipa Na M-Pesa in 2013 to facilitated purchase of goods and service through the mobile phone. By the end of March this year, payments worth $200 million had been made through the platform at over44,000 merchant outlets (pdf). “Shifting consumer trends have seen services like debit cards and Lipa Na M-pesa thrive as consumers embrace more efficient, cashless means of paying for goods and services,” Collymore said.
    342 Posted by Lunch Money
  • Safaricom, parent of the M-Pesa mobile money platform, is eying a piece of the $13.5 billion in annual transactions in Kenya’s payment cards industry with a new debit card. In its pilot stage, the new card, which is largely expected to challenge commercial banks for card commissions, is linked to its Lipa na M-Pesa (pay with M-Pesa) service, which enables traders and individuals to settle bills at different points of sale across the country. Operating on the Near Field Communication (NFC) technology ecosystem, Safaricom’s M-Pesa debit cards and point-of-sale (POS) terminals will allow consumers to pay for goods and services much quicker on the ‘tap-and-go’ basis. It is best suited for “high-volume, low-value transactions that are typically paid for with cash (pdf)”. A transaction occurs when an NFC-enabled mobile handset is placed near a POS terminal, typically over distances of up to 10 centimetres.   The current payment set-up using M-Pesa is much slower as it requires users to follow through several stages before a transaction is completed. In a typical set-up like the cashier’s till at a supermarket, a buyer is required to input the till number, the amount money due, the M-Pesa PIN and then wait for the transaction to be completed.   The success of its flagship mobile money transaction service, M-Pesa, has inspired the mobile phone firm to seek further success in the electronic payments industry, whose popularity has however lagged behind mobile money’s in the past five years.   Many view Safaricom’s latest announcement as one that adds fuel to its fierce competition with banks, with each side devising ways of eating into the other’s market. Equity Bank, one of the largest banks in East Africa launched its mobile money service under the Equitel service in 2015, plunging into direct competition with Safaricom. In June this year, banks unveiled the Integrated Payments Service Limited (IPSL), a firm under their lobby group, the Kenya Bankers Association (KBA). The firm, an inter-operable mobile money transfer service for all lenders, is to enable direct transfer of funds between banks without having to go through M-Pesa.   Just like M-Pesa, the IPSL operates under the National Payment System (NPS) guidelines and is widely expected to cut transaction costs to consumers while keeping proceeds earned with the banks. Despite the emerging competition, many banks rely on Safaricom’s M-Pesa platform to enable their customers deposit, withdraw, borrow money, transfer funds or settle bills.   “As the M-Pesa ecosystem continues to expand, we continue to test the boundaries of the service to identify how we can continue to extend the gains of the platform to an increasing number of customers and businesses,” Safaricom’s chief executive officer Bob Collymore said. In 2015, a total of 1.3 trillion Kenyan shillings ($13 billion) was transacted through electronic payments cards in Kenya with $12 billion transacted in a prior year.   Safaricom, East Africa’s largest phone network, launched Lipa Na M-Pesa in 2013 to facilitated purchase of goods and service through the mobile phone. By the end of March this year, payments worth $200 million had been made through the platform at over44,000 merchant outlets (pdf). “Shifting consumer trends have seen services like debit cards and Lipa Na M-pesa thrive as consumers embrace more efficient, cashless means of paying for goods and services,” Collymore said.
    Sep 03, 2016 342
  • 24 Aug 2016
    Samsung's new product release will come shortly.   According to Bloomberg, South Korean tech giant Samsung Electronics (KS:005930) Co Ltd said on Tuesday it will start selling its third smartphone powered by the company's own Tizen mobile operating system in India next week. The Z2 phone, equipped with a 4-inch screen and India-specific features such as a safety mode for motorcyclists, will be the cheapest Tizen phone Samsung has launched to date at 4,590 rupees ($68.44).   The phone, the first Tizen-powered device that will run on 4G networks, will start selling in India on Aug. 29. The world's top maker of smartphones, televisions and memory chips is trying to reduce its dependence on Google (NASDAQ:GOOGL), whose Android operating system powers Samsung's Galaxy smartphones. The firm has been using Tizen on products ranging from TVs, home appliances and wearable products to enable the devices to communicate with each other and phones via the internet.   Samsung has so far kept Tizen for a small number of markets such as India and Bangladesh, where many potential customers are still first-time buyers looking for a cheap device and do not necessarily need a big library of apps. The firm declined to comment on sales figures but analysts have said the Z2's predecessors have found some success. ($1 = 67.0625 Indian rupees)
    343 Posted by Lunch Money
  • Samsung's new product release will come shortly.   According to Bloomberg, South Korean tech giant Samsung Electronics (KS:005930) Co Ltd said on Tuesday it will start selling its third smartphone powered by the company's own Tizen mobile operating system in India next week. The Z2 phone, equipped with a 4-inch screen and India-specific features such as a safety mode for motorcyclists, will be the cheapest Tizen phone Samsung has launched to date at 4,590 rupees ($68.44).   The phone, the first Tizen-powered device that will run on 4G networks, will start selling in India on Aug. 29. The world's top maker of smartphones, televisions and memory chips is trying to reduce its dependence on Google (NASDAQ:GOOGL), whose Android operating system powers Samsung's Galaxy smartphones. The firm has been using Tizen on products ranging from TVs, home appliances and wearable products to enable the devices to communicate with each other and phones via the internet.   Samsung has so far kept Tizen for a small number of markets such as India and Bangladesh, where many potential customers are still first-time buyers looking for a cheap device and do not necessarily need a big library of apps. The firm declined to comment on sales figures but analysts have said the Z2's predecessors have found some success. ($1 = 67.0625 Indian rupees)
    Aug 24, 2016 343
  • 16 Aug 2016
    Zambia's incumbent President Edgar Lungu has been declared the winner of a closely fought presidential election, but the result was immediately challenged by his main opponent Hakainde Hichilema.   Lungu, leader of the Patriotic Front (PF), won 50.35 percent of Thursday's vote, against 47.67 percent for Hichilema, of the United Party for National Development (UPND), the Electoral Commission of Zambia said on Monday.   The opposition party quickly, however, rejected the result, claiming the electoral commission had colluded to rig the vote against its candidate.   "We have evidence to the effect that the votes for Hakainde Hichilema have been deliberately reduced in collusion with the Electoral Commission of Zambia," the UPND's lawyer, Jack Mwiimbu, told journalists.   "We have confidence that the constitutional court will rise above board and declare the results a nullity," he said.   Police said officers were sent to quell rioting by Hichilema's supporters in the south of the country who blocked roads and burned tyres after the result was announced. Southern province police commissioner Goldwin Phiri reported clashes with police in the towns of Monze, Chombe and Mazabuka.   "We don't know where we are headed, but ... there will be trouble," a civil servant in Mazabuka told DPA news agency.   Al Jazeera's Tania Page, reporting from the capital, Lusaka, said Hichilema "has really been able to cast a lot of doubt over the process", raising many complaints about the campaign period and vote-counting process.   "Some of that has been supported by international observer missions," Page said.   "Most particularly, the European Union, which agreed with his claims that the state media is heavily biased towards the government."   The EU also supported Hichilema's view that police had acted with political motives at times, and had also cracked down "quite harshly" on some of his political gatherings, our correspondent said.   The election was fought around the issues of rising unemployment, mine closures, power shortages and soaring food prices which Hichilema, an economist and businessman, blamed on Lungu's mismanagement.   Lungu has been in office for just 19 months after he first took power last year when he beat Hichilema by fewer than 28,000 votes in a snap election following the death in office of president Michael Sata.   His re-election will see him remain in power for another five-year term.   Hundreds of Lungu's supporters, most of them young men draped in PF regalia, took to the streets of Lusaka, chanting slogans and singing, while drivers hooted their car horns in celebration.   Emanuel Phiri, 48, a taxi driver, said he believed Lungu was the popular choice of the Zambian people.   "Lungu really worked hard for this and God has made it possible," he told Al Jazeera.   The opposition, however, has launched a challenge to the result and will appear in court later in the week, Al Jazeera's Page said.   "We are going to petition this election in court. It was full of irregularities, malpractices and vote stealing," said Brian Mwiinga, spokesperson for Hichilema's UPND.   "The narrow margin that the electoral commission claims Lungu won by is not legitimate and because it is such a small percentage it shows that it does not reflect the will of the people; instead it simply tells us the story that the election was stolen," he told Al Jazeera.   Chris Akufuna, a spokesperson for the Electoral Commission of Zambia, declined to comment on the disputed result, but urged aggrieved parties to submit complaints in writing.   Gilles Kasongo, of the Zambia Election Information Centre, a coalition of civil society organisations focusing on governance and electoral procedure, said that several flaws in the election process made it difficult to accept that it was a fair victory.   "There are strong concerns in the electoral commission's handling of matters concerning results, and these should be taken up in the courts by political parties," Kasongo told Al Jazeera, adding that the use of public funds to finance the ruling party's campaign means the victory "cannot be seen as a just win".
    264 Posted by Lunch Money
  • Zambia's incumbent President Edgar Lungu has been declared the winner of a closely fought presidential election, but the result was immediately challenged by his main opponent Hakainde Hichilema.   Lungu, leader of the Patriotic Front (PF), won 50.35 percent of Thursday's vote, against 47.67 percent for Hichilema, of the United Party for National Development (UPND), the Electoral Commission of Zambia said on Monday.   The opposition party quickly, however, rejected the result, claiming the electoral commission had colluded to rig the vote against its candidate.   "We have evidence to the effect that the votes for Hakainde Hichilema have been deliberately reduced in collusion with the Electoral Commission of Zambia," the UPND's lawyer, Jack Mwiimbu, told journalists.   "We have confidence that the constitutional court will rise above board and declare the results a nullity," he said.   Police said officers were sent to quell rioting by Hichilema's supporters in the south of the country who blocked roads and burned tyres after the result was announced. Southern province police commissioner Goldwin Phiri reported clashes with police in the towns of Monze, Chombe and Mazabuka.   "We don't know where we are headed, but ... there will be trouble," a civil servant in Mazabuka told DPA news agency.   Al Jazeera's Tania Page, reporting from the capital, Lusaka, said Hichilema "has really been able to cast a lot of doubt over the process", raising many complaints about the campaign period and vote-counting process.   "Some of that has been supported by international observer missions," Page said.   "Most particularly, the European Union, which agreed with his claims that the state media is heavily biased towards the government."   The EU also supported Hichilema's view that police had acted with political motives at times, and had also cracked down "quite harshly" on some of his political gatherings, our correspondent said.   The election was fought around the issues of rising unemployment, mine closures, power shortages and soaring food prices which Hichilema, an economist and businessman, blamed on Lungu's mismanagement.   Lungu has been in office for just 19 months after he first took power last year when he beat Hichilema by fewer than 28,000 votes in a snap election following the death in office of president Michael Sata.   His re-election will see him remain in power for another five-year term.   Hundreds of Lungu's supporters, most of them young men draped in PF regalia, took to the streets of Lusaka, chanting slogans and singing, while drivers hooted their car horns in celebration.   Emanuel Phiri, 48, a taxi driver, said he believed Lungu was the popular choice of the Zambian people.   "Lungu really worked hard for this and God has made it possible," he told Al Jazeera.   The opposition, however, has launched a challenge to the result and will appear in court later in the week, Al Jazeera's Page said.   "We are going to petition this election in court. It was full of irregularities, malpractices and vote stealing," said Brian Mwiinga, spokesperson for Hichilema's UPND.   "The narrow margin that the electoral commission claims Lungu won by is not legitimate and because it is such a small percentage it shows that it does not reflect the will of the people; instead it simply tells us the story that the election was stolen," he told Al Jazeera.   Chris Akufuna, a spokesperson for the Electoral Commission of Zambia, declined to comment on the disputed result, but urged aggrieved parties to submit complaints in writing.   Gilles Kasongo, of the Zambia Election Information Centre, a coalition of civil society organisations focusing on governance and electoral procedure, said that several flaws in the election process made it difficult to accept that it was a fair victory.   "There are strong concerns in the electoral commission's handling of matters concerning results, and these should be taken up in the courts by political parties," Kasongo told Al Jazeera, adding that the use of public funds to finance the ruling party's campaign means the victory "cannot be seen as a just win".
    Aug 16, 2016 264
  • 28 Jan 2016
    STATUS:- We are currently out of Masterscards, Please keep checking back again!   Below is a procedure on how to get your Pepea card and how to open a paypal account using your pepea card KCB Pepea card is a prepaid MasterCard that gives you less worries and more security when you travel. KCB Pepea card enables you access more destinations in Kenya and worldwide. You will be able to make payment Online, Load card from using Mpesa, withdraw from Paypal to your card. You can get a Pepea card from any KCB branch.   Maximum money you can put on kcb pepea card - there are no limits Forgot your 5 digit pin? - Go to a nearest KCB branch to get assisted   For every withdrawal within the KCB ATMs is charged at KES 30For every withdrawal in other non KCB ATMs is charged at KES 275No joining fees   KCB Pepea Card Activation ❉Dial *522*2#❉Follow the steps and activate card.❉You will receive a welcome message with your secret mobile banking PIN number.   Load KCB Pepea Card Via Mpesa ❉After activating your Pepea Card, exit KCB mobile banking.❉Go to Safaricom menu on your phone❉Go to MPESA Paybill and enter 522522❉Enter your 16 digits card number❉Complete transaction   How to receive your card? Shangaza used to send the cards to the ones that requested for it. Its Free! All you have to do is contact us on below lines and we will deliver it to your home & you will do activation by yourself (Around Kenya Only)   Contact Us We are currently out of Masterscards, Please keep checking back again!   How to register a Paypal Account using your Pepea Card? 1. Visit the PayPal website and click on Signup.   2. "Sign Up". This will begin the account creation process.For business accounts, there are two different options, each of which have different cost structures and benefits. Standard accounts free, but customers must route through PayPal in order to check out. Pro accounts cost $30 per month, but you get to full control over how you want to design the checkout process.   The Standard free business account is the same as the old PayPal Premier account. This account is best suited for users who do lots of buying and selling on eBay.   3. Enter your email address and create a password. Make sure that you create a strong password so that nobody else can access your financial information. Make sure that you enter a valid email address, as you'll need to use it to verify your account.   4. Fill out the form with your personal information. You'll need to enter your legal name, address, and phone number. All of this information is required in order to create your account.   5. Enter your credit or debit card (optional). After entering your personal information, you'll be prompted to enter your credit or debit card. You can enter this now or later, but you'll need to at some point if you want to verify your PayPal account.     6. Verifying Your Account - Confirm your email address. In order to receive money at your PayPal account, you'll need to confirm your email address. You should have received an email when you created your account. Click the "Yes, this is my email" button in the email message to confirm your email address. If you can't find the message, check your Spam folder or "Purchases" label in Gmail.       Now that you have a Paypal Account, you will be able to do business Online! E.g You can buy stuffs from Ebay, Jumia also you can receive money from your customers or from friends using your paypal linked with your Pepea card theres alot to enjoy!   Read: How to withdraw from Paypal Account to your Mpesa  
    4489 Posted by Braden Feliciano
  • STATUS:- We are currently out of Masterscards, Please keep checking back again!   Below is a procedure on how to get your Pepea card and how to open a paypal account using your pepea card KCB Pepea card is a prepaid MasterCard that gives you less worries and more security when you travel. KCB Pepea card enables you access more destinations in Kenya and worldwide. You will be able to make payment Online, Load card from using Mpesa, withdraw from Paypal to your card. You can get a Pepea card from any KCB branch.   Maximum money you can put on kcb pepea card - there are no limits Forgot your 5 digit pin? - Go to a nearest KCB branch to get assisted   For every withdrawal within the KCB ATMs is charged at KES 30For every withdrawal in other non KCB ATMs is charged at KES 275No joining fees   KCB Pepea Card Activation ❉Dial *522*2#❉Follow the steps and activate card.❉You will receive a welcome message with your secret mobile banking PIN number.   Load KCB Pepea Card Via Mpesa ❉After activating your Pepea Card, exit KCB mobile banking.❉Go to Safaricom menu on your phone❉Go to MPESA Paybill and enter 522522❉Enter your 16 digits card number❉Complete transaction   How to receive your card? Shangaza used to send the cards to the ones that requested for it. Its Free! All you have to do is contact us on below lines and we will deliver it to your home & you will do activation by yourself (Around Kenya Only)   Contact Us We are currently out of Masterscards, Please keep checking back again!   How to register a Paypal Account using your Pepea Card? 1. Visit the PayPal website and click on Signup.   2. "Sign Up". This will begin the account creation process.For business accounts, there are two different options, each of which have different cost structures and benefits. Standard accounts free, but customers must route through PayPal in order to check out. Pro accounts cost $30 per month, but you get to full control over how you want to design the checkout process.   The Standard free business account is the same as the old PayPal Premier account. This account is best suited for users who do lots of buying and selling on eBay.   3. Enter your email address and create a password. Make sure that you create a strong password so that nobody else can access your financial information. Make sure that you enter a valid email address, as you'll need to use it to verify your account.   4. Fill out the form with your personal information. You'll need to enter your legal name, address, and phone number. All of this information is required in order to create your account.   5. Enter your credit or debit card (optional). After entering your personal information, you'll be prompted to enter your credit or debit card. You can enter this now or later, but you'll need to at some point if you want to verify your PayPal account.     6. Verifying Your Account - Confirm your email address. In order to receive money at your PayPal account, you'll need to confirm your email address. You should have received an email when you created your account. Click the "Yes, this is my email" button in the email message to confirm your email address. If you can't find the message, check your Spam folder or "Purchases" label in Gmail.       Now that you have a Paypal Account, you will be able to do business Online! E.g You can buy stuffs from Ebay, Jumia also you can receive money from your customers or from friends using your paypal linked with your Pepea card theres alot to enjoy!   Read: How to withdraw from Paypal Account to your Mpesa  
    Jan 28, 2016 4489
  • 24 Dec 2015
    How are those decorative little devils that are nutcrackers made? It involves a lot of wood, a bit a time on various lathes, a lot of glue, and a bit of artistry. Here’s the behind the scenes look of how those wooden dolls are put together. It’s actually pretty neat to see octagonal blocks of wood get fitted together into a creepy little man.  
    501 Posted by Braden Feliciano
  • How are those decorative little devils that are nutcrackers made? It involves a lot of wood, a bit a time on various lathes, a lot of glue, and a bit of artistry. Here’s the behind the scenes look of how those wooden dolls are put together. It’s actually pretty neat to see octagonal blocks of wood get fitted together into a creepy little man.  
    Dec 24, 2015 501
  • 24 Dec 2015
    Sometimes, advertisers are misleading. It’s sort of their job. What starts as a little misdirection to get you to buy something can eventually snowball into a myth so pervasive we all just assume it’s true. Here are some things you believe about smartphones for no other reason than because a marketing exec thought it was a good idea. “You Need to Spend $650 On a New Phone Every Couple of Years”   Every year, like clockwork, phone manufacturers release new, expensive flagship phones with a couple of new features and the same high price tag. If manufacturers had their way, you’d upgrade your phone every year. That seems a little weird for a device that usually costs upwards of $650, doesn’t it? You don’t buy a new laptop or even a new tablet every couple of years just because. Why do it with phones?   The tradition of buying new phones every couple of years is a holdover from two-year contracts (which are sort of dying off). After a couple years, most people in the US would get a letter from their carrier saying they qualified for a free or cheap new phone, just for promising to stay with them for another two years. For a while that made sense. You wouldn’t pay any less if you didn’t take the upgrade, so may as well get a new phone. Now, your cell plan is cheaper if you’re not paying for a phone, too. So, it makes sense to be a little more cautious about spending $650 or more on a new phone every couple years.   Phones do feel obsolete quicker than laptops and tablets, though. Older phones stop getting updates after a while, and even when they do get the new stuff, it can run like crap on older hardware. Batteries can also start to lose their ability to hold a charge over time. You can try to fight it, but eventually an old phone just can’t keep up.   However, that doesn’t mean that everyone needs the most expensive, top-of-the-line, flagship handset. If you have a two-year old phone, virtually any upgrade you make will probably be a huge improvement over what you already have. Even “mid-range” devices like the Moto G are stupid cheap, and pretty decent phones! If you’re worried about shelling out a ton of cash on a phone that won’t be able to keep up in two years, you’re better off buying cheap phones that are slightly less nice, but cheaper to replace.   For Android users, you can also breathe new life into your old phone with the Xposed framework to roll your own version of Android. Alternatively, you can still use custom ROMs to give your phone a new feel (and feature set!) without changing your hardware. iOS users don’t have as many options for customizing, but iPhones tend to last a little longer anyway, and you can jailbreak your phone to add new, interesting stuff. Now that buying phones is getting more expensive and confusing, the less often you can upgrade, the more your wallet will thank you.
    464 Posted by Braden Feliciano
  • Sometimes, advertisers are misleading. It’s sort of their job. What starts as a little misdirection to get you to buy something can eventually snowball into a myth so pervasive we all just assume it’s true. Here are some things you believe about smartphones for no other reason than because a marketing exec thought it was a good idea. “You Need to Spend $650 On a New Phone Every Couple of Years”   Every year, like clockwork, phone manufacturers release new, expensive flagship phones with a couple of new features and the same high price tag. If manufacturers had their way, you’d upgrade your phone every year. That seems a little weird for a device that usually costs upwards of $650, doesn’t it? You don’t buy a new laptop or even a new tablet every couple of years just because. Why do it with phones?   The tradition of buying new phones every couple of years is a holdover from two-year contracts (which are sort of dying off). After a couple years, most people in the US would get a letter from their carrier saying they qualified for a free or cheap new phone, just for promising to stay with them for another two years. For a while that made sense. You wouldn’t pay any less if you didn’t take the upgrade, so may as well get a new phone. Now, your cell plan is cheaper if you’re not paying for a phone, too. So, it makes sense to be a little more cautious about spending $650 or more on a new phone every couple years.   Phones do feel obsolete quicker than laptops and tablets, though. Older phones stop getting updates after a while, and even when they do get the new stuff, it can run like crap on older hardware. Batteries can also start to lose their ability to hold a charge over time. You can try to fight it, but eventually an old phone just can’t keep up.   However, that doesn’t mean that everyone needs the most expensive, top-of-the-line, flagship handset. If you have a two-year old phone, virtually any upgrade you make will probably be a huge improvement over what you already have. Even “mid-range” devices like the Moto G are stupid cheap, and pretty decent phones! If you’re worried about shelling out a ton of cash on a phone that won’t be able to keep up in two years, you’re better off buying cheap phones that are slightly less nice, but cheaper to replace.   For Android users, you can also breathe new life into your old phone with the Xposed framework to roll your own version of Android. Alternatively, you can still use custom ROMs to give your phone a new feel (and feature set!) without changing your hardware. iOS users don’t have as many options for customizing, but iPhones tend to last a little longer anyway, and you can jailbreak your phone to add new, interesting stuff. Now that buying phones is getting more expensive and confusing, the less often you can upgrade, the more your wallet will thank you.
    Dec 24, 2015 464
  • 21 Dec 2015
    Nokia has now come up with a solution for that in the form of a SIM applications app which is available in the store. The SIM application will allow users to easily access SIM applications like MPESA and to pin the SIM applications menu to the homescreen.   Now you can put the mpesa tile right at you start screen page. This will help you to make transactions easily and quick. Becasuse you known it today, dont forget to share this to other users who use lumia phones.   To download the app,go to the store on your Nokia Lumia or Click Here
    1276 Posted by Braden Feliciano
  • Nokia has now come up with a solution for that in the form of a SIM applications app which is available in the store. The SIM application will allow users to easily access SIM applications like MPESA and to pin the SIM applications menu to the homescreen.   Now you can put the mpesa tile right at you start screen page. This will help you to make transactions easily and quick. Becasuse you known it today, dont forget to share this to other users who use lumia phones.   To download the app,go to the store on your Nokia Lumia or Click Here
    Dec 21, 2015 1276
  • 24 Aug 2015
    Rewards I gamble because: I love the thrill of playing. I know a big payout could solve all my problems. Gambling is my only shot at becoming a millionaire. I feel important when I win. I love being able to treat my family and friends. I have a sure system. It's just a matter of time before I win again. When I am on, I can make money fast and easily. Gambling lets me forget my problems and pain for a while. Gambling is the one thing in my life that is just for me. When I gamble, I'm in control. Gambling gets me out of the house. I feel safe and welcome. All my friends gamble. Risks I'm thinking about getting help because: My partner is threatening to leave me if I don't stop. We fight all the time about my gambling. I'm tired of sneaking around, lying and hiding my losses. My reputation has been hurt. Creditors are hassling me. I'm looking at bankruptcy. Gambling is all I ever think about. It has taken over my life. I've stopped caring about things that should be important to me. I've borrowed money from so many people. I feel ashamed to face them. I'm afraid I'll lose my job because I'm always so distracted. My health is suffering. I don't even enjoy gambling most of the time. I feel like such a loser. Sometimes I hate myself so much I want to end it all. Impact on Families Gambling problems hurt families in many ways: Money problems: When family members learn that savings, property or belongings have been lost, it can make them feel scared, angry and betrayed. Emotional problems and isolation: Gambling problems cause strong feelings among family members, which make it harder to solve problems. Many partners of those with gambling problems do not want to be emotionally or physically close with the person who has hurt them. Family members may avoid other people, because they feel ashamed. This makes it hard to get love and support. Physical and mental health: The stress of gambling problems sometimes causes health problems, for both the person who gambles and the family. This can include anxiety, depression and stress-related problems such as poor sleep, ulcers, bowel problems, headaches and muscle pains. Burnout: Many families under stress have trouble coping. One member may try to keep things in control by taking on more tasks. This can lead to burnout. Family members often forget to take care of themselves or to have fun. Impact on children: When a parent or caregiver has a gambling problem, children can feel forgotten, depressed and angry. They may believe they caused the problem and that if they are good, the problem will stop. Children may believe they must take sides between their parents. They may stop trusting a parent who makes promises he or she doesn't keep. Some children may try to draw attention away from the parent with the gambling problem by misbehaving. Physical and emotional abuse: Family violence is more common when families are in crisis. Gambling problems can lead to physical or emotional abuse of a partner, elder parent or child. If this is happening in your family, get help right away (see Chapter 5). Anxiety and Depression Many people who gamble excessively feel stressed, anxious and depressed. This can make sleeping, thinking and solving problems more difficult. If you have some of the following symptoms for more than two weeks, making your day-to-day life difficult, you may have chronic depression: You have lost interest in usual activities. You feel depressed, down in the dumps or irritable. Your sleep has changed (e.g., you have problems falling asleep or staying asleep, or you sleep too much). Your appetite has changed. You have lost or gained weight. You feel helpless, hopeless or despairing. It is hard to think and to remember things, and your thoughts seem slower. You go over and over guilty feelings. You cant stop thinking about problems. You have lost interest in sex. You feel physically tired, slow and heavy; or you feel restless and jumpy. You feel angry. You think about suicide. If you have any of these difficulties, speak to your family doctor or other health care professional (a gambling counsellor can also make sure you get the help you need). Tell him or her about your gambling problems too. Treatment may include medications and/or counselling and other support. Suicide Risk Rates of suicide are higher for people who gamble excessively, and for their family members. The people most likely to attempt suicide are those who also have mental health problems (like depression) or who heavily use alcohol or other drugs. People who have threatened suicide or hurt themselves in the past are also more at risk. If you feel suicidal or are making plans to end your life, get help right away. You don't have to deal with your problems alone. For more advice, see the box on this page. What to do if you Feel Suicidal If you are thinking about ending your life: Get to your local emergency department immediately. Remove any means for ending your life (e.g., firearms, medications). Let your family or a friend know how you are feeling. Call the local Distress Centre for support and information. Let your doctor know what is going on, including your gambling. Do not drink alcohol or take other drugs as it will make matters worse. Contact the Ontario Problem Gambling Helpline (1 888 230-3505) and arrange to see a counsellor as soon as possible. You can usually be seen within days. Talk to someone you trust, such as a friend or spiritual advisor.
    801 Posted by Trudi Hampden
  • Rewards I gamble because: I love the thrill of playing. I know a big payout could solve all my problems. Gambling is my only shot at becoming a millionaire. I feel important when I win. I love being able to treat my family and friends. I have a sure system. It's just a matter of time before I win again. When I am on, I can make money fast and easily. Gambling lets me forget my problems and pain for a while. Gambling is the one thing in my life that is just for me. When I gamble, I'm in control. Gambling gets me out of the house. I feel safe and welcome. All my friends gamble. Risks I'm thinking about getting help because: My partner is threatening to leave me if I don't stop. We fight all the time about my gambling. I'm tired of sneaking around, lying and hiding my losses. My reputation has been hurt. Creditors are hassling me. I'm looking at bankruptcy. Gambling is all I ever think about. It has taken over my life. I've stopped caring about things that should be important to me. I've borrowed money from so many people. I feel ashamed to face them. I'm afraid I'll lose my job because I'm always so distracted. My health is suffering. I don't even enjoy gambling most of the time. I feel like such a loser. Sometimes I hate myself so much I want to end it all. Impact on Families Gambling problems hurt families in many ways: Money problems: When family members learn that savings, property or belongings have been lost, it can make them feel scared, angry and betrayed. Emotional problems and isolation: Gambling problems cause strong feelings among family members, which make it harder to solve problems. Many partners of those with gambling problems do not want to be emotionally or physically close with the person who has hurt them. Family members may avoid other people, because they feel ashamed. This makes it hard to get love and support. Physical and mental health: The stress of gambling problems sometimes causes health problems, for both the person who gambles and the family. This can include anxiety, depression and stress-related problems such as poor sleep, ulcers, bowel problems, headaches and muscle pains. Burnout: Many families under stress have trouble coping. One member may try to keep things in control by taking on more tasks. This can lead to burnout. Family members often forget to take care of themselves or to have fun. Impact on children: When a parent or caregiver has a gambling problem, children can feel forgotten, depressed and angry. They may believe they caused the problem and that if they are good, the problem will stop. Children may believe they must take sides between their parents. They may stop trusting a parent who makes promises he or she doesn't keep. Some children may try to draw attention away from the parent with the gambling problem by misbehaving. Physical and emotional abuse: Family violence is more common when families are in crisis. Gambling problems can lead to physical or emotional abuse of a partner, elder parent or child. If this is happening in your family, get help right away (see Chapter 5). Anxiety and Depression Many people who gamble excessively feel stressed, anxious and depressed. This can make sleeping, thinking and solving problems more difficult. If you have some of the following symptoms for more than two weeks, making your day-to-day life difficult, you may have chronic depression: You have lost interest in usual activities. You feel depressed, down in the dumps or irritable. Your sleep has changed (e.g., you have problems falling asleep or staying asleep, or you sleep too much). Your appetite has changed. You have lost or gained weight. You feel helpless, hopeless or despairing. It is hard to think and to remember things, and your thoughts seem slower. You go over and over guilty feelings. You cant stop thinking about problems. You have lost interest in sex. You feel physically tired, slow and heavy; or you feel restless and jumpy. You feel angry. You think about suicide. If you have any of these difficulties, speak to your family doctor or other health care professional (a gambling counsellor can also make sure you get the help you need). Tell him or her about your gambling problems too. Treatment may include medications and/or counselling and other support. Suicide Risk Rates of suicide are higher for people who gamble excessively, and for their family members. The people most likely to attempt suicide are those who also have mental health problems (like depression) or who heavily use alcohol or other drugs. People who have threatened suicide or hurt themselves in the past are also more at risk. If you feel suicidal or are making plans to end your life, get help right away. You don't have to deal with your problems alone. For more advice, see the box on this page. What to do if you Feel Suicidal If you are thinking about ending your life: Get to your local emergency department immediately. Remove any means for ending your life (e.g., firearms, medications). Let your family or a friend know how you are feeling. Call the local Distress Centre for support and information. Let your doctor know what is going on, including your gambling. Do not drink alcohol or take other drugs as it will make matters worse. Contact the Ontario Problem Gambling Helpline (1 888 230-3505) and arrange to see a counsellor as soon as possible. You can usually be seen within days. Talk to someone you trust, such as a friend or spiritual advisor.
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