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*Chimodho was served in a breakfast every morning in a hostel with a capacity of 100 people.* Out of those 100 people, 80 people used to complain every day that different items should be made instead of chimodho, but the other 20 people were happy to eat chimodho. The remaining 80 people wanted something other than chimodho. The hostel's warden proposed a daily vote as some decisions had to be reached in this chaotic situation. According to his plan, whichever tin got the most votes on the night before, that would determine what would be cooked the next day. 20 students who wanted chimodho cast their vote accordingly. The remaining 80 people cast their vote as follows, every evening; 18 - Mangai 16 - manhuchu 14 - Chips 12 - Bread & Butter 10 - Noodles 10 - Mphokosho So, as per the voting results, chimodho gets the highest number of votes every evening, and again, the same was served the following morning. *Lesson:* As long as 80% of the population is selfish, divided, and scattered, the 20% will rule us. This is a silent message - Take your lessons seriously. This is an example of divided house of Employees/Country at large.

*Reading Nature’s Signs: The Farmer’s Ancient Wisdom* "The land speaks, but only those who listen can reap its blessings." For centuries, farmers have relied on nature’s subtle cues to guide their planting, watering, and harvesting. While modern agriculture depends on weather forecasts, satellites, and scientific models, traditional farmers read the signs written in the sky, soil, and living creatures. These natural indicators are time-tested and, in many cases, more reliable than modern predictions. In this article, we explore how birds, insects, and trees serve as nature’s messengers—forewarning farmers of seasonal changes and helping them make critical decisions about when to sow and reap. 1. Bird Migration: Winged Messengers of the Seasons "When the swallows fly low, the rains will soon follow." Birds have long been nature’s most trusted weathermen. Their migratory patterns, nesting behavior, and feeding habits reveal clues about upcoming changes in the environment. How Birds Predict Rain and Plant

HOW TO RAISE CAPITAL The issue of capital raising can be solved by believing in oneself, believing that it's possible to it make happen and achieve your desired set goals. One may consider the following in a bid to raise the much needed capital ; 1. First and foremost change your mindset, be positive that it's possible to raise the required capital. 2. A journey of a thousand miles starts with a single step - start to work towards the raising of the said capital positively. 3. Start to save towards the accumulation of the said capital, bit by bit. 4. Market your business idea to close associates, friends and relatives and whoever cares to listen. 5. If one happens to get a windfall, a lump sum from employment or a donation, channel it towards your capital accumulation fund. 6. Look around your personal assets, perhaps you have two or more mobile phones, dispose one and channel the sale proceeds towards your capital accumulation fund. 7. Perhaps, you have a very expensive handset, dispose it and get a cheaper one - the surplus save towards your capital accumulation fund. 8. Perhaps, you have other assets like more than one car, deep freeze, refrigerator, motor vehicle - dispose one and channel towards your capital accumulation fund. 9. If you are driving an expensive motor vehicle, consider to dispose it and buy a cheaper model - the difference channel it towards your capital accumulation fund. 10. Approach some religious organisations, with your business idea, they may assist. 11. Approach some appropriate non gorvenmental organisations with your business idea, perhaps they may assist your business idea. 12. Get into farming - like growing short season varieties like : sugar beans, sweet potatoes, king onions, plough back the surplus after meeting your expenses to your capital accumulation. They need very little capital or one may take advantage of the gorvenment free agricultural inputs schemes, year in year out. 13. Your business idea, start small and plough back the profits. 14. Their are some gorvenment grants and programmes, get involved. 15. In this country visit the following gorvenment ministries : - the ministry of youths and empowerment - the ministry of women, small and medium enterprises 16. Get involved with like business minded people. 17. Get close and associate with fellow enterpreneurs and learn and get some assistance from them. 18. The banks are a mammoth task for those starting, especially without collateral security. 19. Generally, it's not advisable to borrow from the banks when starting, one is most likely to make some mistakes. There is always a learning curve in business. 20. For those with a variety of collateral security, perhaps, they may consider borrowing from financial institutions - banks and micro finances. 21. For bigger projects one may consider Venture Capital. 22. One may join forces with others with similar ambitions and start a business. # Author : N.C. Chisikarambwe CTFAicb (SA)

Food For Thought; Savings. I had a conversation with a certain young man, and he was complaining about his financial crisis. I asked him, "What are your savings?" He said I have nothing, I can't save because after paying bills, there is nothing left to save." I understood him, but I gave him a challenge to consider. If you want to save, you don't spend first and then save what remains because regardless of how much you earn, there is always nothing left. The principle is that you remove savings first before you spend. What are Savings, savings is the money that you put aside for future use. It doesn't matter how much you earn. Try to save a small portion of your earnings. Trying to save a bigger portion will not work because you can always follow it in a shorter time. If you earn $150.00, you can't save $50.00, it's a bigger portion and you will need it soon, instead save atleast $15 out of your every earnings using the above mentioned figure. This way, you will be able to carry on with your life while saving. With time, you will be able to accrue a significant figure with time. If you can start saving now, by the of the year, you will have a good figure either to use for Christmas holidays or to buy any property of your choice. If you don't save money, you are likely to live your entire life in debts. There are more chances that you will always be required to borrow each time you face a crisis. If you fall sick, you are required to borrow. If you have a funeral and you need to travel, you are required to borrow. This kind of life has no peace. If you save some money, try to forget about it, and don't consistently remind yourself about it. Save and forget that you have money existing somewhere so that you won't be tempted to use it for something that you can ignore. Without saving, no progress in life and no financial freedom. You feel the heat throughout. The C.E.O, Dr : Food For Thought; Financial Golden Rules to remember. 1). Don't keep your money where you can easily reach. As long as you have money there is always something to spend on. 2). Don't spend money that you were promised, if it doesn't come, you will be in problems. 3). Don't spend for show off, people you want to impress they easily forget but your financial obligations will remain stuck with, spend wisely. 4). Don't spend more than what you earn. That gap will be difficult to fill, and you will spend the rest of your life borrowing. 5). Don't buy something because it's cheap, buy only the things that you need. 6). Save before you spend because there is nothing that remains after spending.

A father said to his son , "You graduated with honors. Here is a Volkswagen beetle that i bought many years ago ... It is over 50years old , but before I give it to you, take it to a dealership downtown and ask how much there are offering you." The son went to the dealership, came back to his father and said, "They offered me $10,000 because it looks very used." The father said, "Take it to a pawn shop." The son went to the pawn shop, came back and said, "They only offered me $1,000 because they say it is too old." Finally, the father asked his son to take the car to a classic car club and show it there. The son took the car to the club, came back and said, "Some people at the club offered me $100,000! because it is a very rare car and sought after among the members." The father said to his son, "I wanted you to understand that the right place appreciates you in the right way. If they don't value you, don't be angry, it just means you're in the wrong place. Those who know your value are the ones who truly appreciate you. Never stay in a place where they don't recognize your value!"

Successful Entrepreneurship in 4 Steps 1. Persist, Persist and Persist-Persist through setbacks and embrace challenges as growth 2. Reframe Challenges-Reframe obstacles as opportunities 3. Dont Power Through Alone.A strong support fuels resilience and long term entrepreneurial success 4. Curiosity-Understanding yourself , style, preferences and values will allow you to align your actions with your vision and mission and build resilience needed to adapt and thrive in a VUCA world