Forget you owe me

It's yet another day, and you may be one of the few working hard, or the many relaxing and enjoying the fruits of labour (theirs or someone else's).

Then you get a call, or someone interrupts you. Things for the person are very thick, and they need an emergency loan. "See what you can do". Alternatively, they may be wanting to expand their business, which they copied from the one doing well across the street. After all, if its doing well across the street, or next door , it will do well here.

Some, like your neighbour, may be rude enough to knock at your door on Saturday morning, and after you take enough man hours to get to the door and respond, you find that they are sorry for waking you up. You then find out that they need some money to pay their house-help which they do not have, and you been very eager to get back to sleep, make the mistake of lending them double the money, change to be returned immediately and the rest by the end of the day.

As for your friend who needs some cash to celebrate Christmas before the delayed salary arrives, or is stuck at some border post after they overspend their meagre earnings and need to get back to Nairobi, you are kind and stupid enough to lend them.

As for the friend who needs to copy the business across the street, they go to the bank and borrow enough cash to buy a car and make a spirited attempt at copying the successful business. The bank happens not to trust their business sense, and asks them to provide tow guarantors, who the bank strictly vets. You end up being friendly enough to become a guarantor.

The biggest problem with helping people out when they are in the thick is that they forget that they owe you. It escapes me how somebody who was so broke could forget that you bailed them out of the problem. After making you alter your spending to save their skinny asses, they will get back to leading a normal life and leave you to absorb the cost.

Things can get worse. If you were stupid enough to become a guarantor, you may wake up one day to find the copycat business closed, all cleaned up, and you may also be rudely surprised to find that as of last evening, they no longer live in your town, and no one knows where they moved to.

As the bank raids your earnings to repay their loan, it may be an opportune time to think about that business and how you were the only customer.

At times, you wonder whether its actually beneficial to lend to friends who are quick at forgetting that they owe you. It may be better to refer them to professional lenders, aka Banks who know how to better deal with amnesia.

Maybe we can borrow a leaf from SavvyKenya on how to deal with difficult creditors via social media

Comments

A to Z of Girl Pick-up Lines

Girl, You are like a breath of fresh air , like an outstanding piece of Art in an art gallery There are many things you and me can be, but it puts a smile of satisfaction on my face and a smile of envy on my buddies faces that you both beautiful and bootyfull E ither your creator must have taken the greatest care creating you or your cheated your way around heaven, 'coz you clearly the prettiest girl on earth D on't ask why my breathing quickens every time I see you; setting my eyes on you makes me feel like I am drowning in your beauty, I have to catch my breath Exciting, Exotic, Elegant, Electrifying ; so many definitions in english , but when it comes to the human race, girl, you are the one and only definition of all the above W hen I say you are fly , it may be due to the sensation of flying off the ground that I get when I am around you. Some girls are beautiful, a few are decent, even fewer got class; I didn't know I could find all this qualities in one gir

Beers in Kenya: A sober opinion

Note: This is a dated post and has since been mostly passed by events. SAB Miller beers including Castle and Peroni are no longer widely available in Kenya after their exist. Sirville Brewery was bought out by Brew Bistro before being permanently shut in a tax dispute. Kenya is a land of milk, honey, beaches and taxes. I have penned, or is typed, a newer post here . Peroni - One of the best beers in Kenya. Did a taste of canned and bottled Italian, and bottled Tanzanian I like the tangy flavour and body in Tanzanian Peroni. The can is close. Heineken drinkers will like the Italian one. I have had a short beer swigging stint in my life. It has however been long enough for me to share my opinion of Kenyan beer. Interestingly, over the course of sharing such opinions with other drunkards connoisseurs, I have found that we all have different views as to what beer is the best, which one makes you too drunk, or which one gives one free, extra hangover for every hangover you get

Why Humanity Hasn't Learned From the Covid Pandemic

In 2020, the Covid-19 pandemic began ravaging the world, succeeding the 1918 flu pandemic. Many found it unbelievable that despite all the scientific progress that the world has made since 1918, from composite jets to modern healthcare to going to the moon, the world was still susceptible to a pandemic. Ironically, some of these advancements largely played a role in the spread of the pandemic. Thousands of global flights every hour and air conditioning fanned its spread like a dry wind would in a forest fire. There was even further disbelief in mid-2020 when it became apparent that many countries were even struggling to keep a pandemic in check. Developed countries, supposed to have the best healthcare, suffered the worst outbreaks amidst disagreements on measures such as quarantines and wearing of masks. In yet another twist, technology advancement finally came to our rescue with the speedy development of vaccines, including the safe pioneering of never-tried-before mRNA vaccines

Rather than positivity, Kenya needs to face its problems

Traffic between Thika and Nairobi as a result of Highway Bumps and reliance on the road as the sole link between the two towns. Arguing the traffic is better than in Lagos or encouraging people to use the road earlier doesn't solve the problem A fierce debate springs up every now and then on development in Kenya, or in other developing countries. There are two schools of thought - those who argue that a lot needs to be done and what is there is barely much, and those who feel a lot of progress has been made. Those who focus on the progress will point out that at least Kenya (or another country) is better than its neighbouring or other countries in its status when it comes to some aspect such as roads, or education. While this is true, it however presents a lot of danger as we will discuss shortly.

Nairobi's Top 4 Texas Brisket Places Reviewed and Ranked

Brisket on a bed of roast vegetables with barbecue sauce at Texas Brisket, Kikuyu This review has been updated after a number of you suggested I try the brisket at County2County. What's the best place to have Brisket in Nairobi? What's even brisket? Brisket is one of the toughest cuts in a cow, from around the belly. It is so tough that it has to be smoked for about 16 hours to tenderise. But that there, is the catch. 12 to 16 hours later, it is the most flavourful and softest cut you will ever have. So full of flavour and so soft you can pick it apart with your fingers. However, due to the long cooking time involved, only a few places offer brisket in Nairobi. The best so far is Texas Brisket which is located within Kikuyu Railway station. They do the meat for a proper 16 hours, and will usually have a fatty or non-fatty portion. The fatty portions are more tasty. A 500 gram serving goes for KSh. 900 and a 1 KG order comes with a serving of free fries. Their brisket has

Dennis Kioko

Search This Blog