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How To Buy A House

by Adelide Kamau

Buying a house can seem like a difficult task- it may cost you expensively and emotionally.

However, careful research coupled with determination can earn you your dream house during the pandemic.

But before deciding to buy, you should first consider if homeownership is appropriate for you.

Renting or buying?

When looking for a place to live, the first question you ask yourself will help determine your decision-making process.

Buying may look good since you will end the increasing rent and can build equity.

But the routine maintenance and repairs can drain your bank account. However, renting or buying depends on your needs.

The following are the basic conditions you should consider before buying a house:

  • How long do you plan to stay there?
  • How much can you afford?
  • What’s on the market?
  • Current market price

This means that as a buyer, you should be ready to make several offers and know that you may need to pay more than a home is listed for.

If you still can’t decide whether buying is appropriate for you, you can calculate your payments at https://www.mortgagecalculator.uk/ to understand more about differences in expenses.

If your lifestyle and the hard numbers converge towards buying, then the next step is to determine how much home you can afford.

The above site provide additional calculators which have features like estimating mortgage affordability based on income, you can check this at https://www.mortgagecalculator.uk/affordability/ among others.

How Much Can I Spend On A Home?

To determine how much you can spend, you should consider your budget. Check your bank statements and spending habits for the last several months to determine how much you spend.

Due to this pandemic, homeownership has become more affordable.

Interest rates on mortgages and near record-low territory are approximately three percent. Once you clearly understand your spending habits, consider how much you want to spend on a monthly home payment.

The amount includes your interest, principal, tax, and insurance payment, which add to your monthly mortgage sum.

However, you should note that buying a home involves additional one-time payments that can easily add up, including closing costs, legal fees, and other expenses related to buying.

There are also other payments such as moving or home improvement fees. The pandemic has also caused the financial stakes on the costs for new homeowners to rise.

This is because real estate is competitive; in a bid to get a boost, many buyers have opted to waive contingencies to have their offers accepted.

Plan your finances

If you have decided to buy, attend workshops, open houses and ask questions to real estate agents, take time to ensure your finances are in order. Other factors that may help include:

  • Check your credit score
  • Decide Digital or analog
  • Obtain a mortgage preapproval
  • Prepare cash
  • How Do I Search for The New Home?
  • Check the neighborhood
  • Compare between different places or homes.
  • Visit the site of the chosen house

Conclusion

Even if you decide to begin your journey on a home search to check the existing properties, you may end up deciding to build to get exactly what you want. Also, you may plan to build but later realize an existing home was better. Therefore, seek the help of a qualified professional to ensure the process goes on smoothly.

Citation: https://www.nytimes.com/guides/realestate/how-to-buy-a-house

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Bungoma deputy governor Professor Charles Kibanani Ngome has called out Senator Moses Wetangula to stop misleading Bungoma County residents in matters related to politics.

Addressing residents of Bungoma County, Prof Ngome said Wetang’ula is unable to choose a side to support but only keeps jumping from one side to another to fulfill his own interests.

He noted that in 2017 Wetang’ula supported Governor Wycliffe Wangamati and during the campaign, he was against senate speaker Kenneth Lusaka saying he was very corrupt and was not the right person for Bungoma.

Wetang’ula has declared his support for Speaker Lusaka in the race for Bungoma gubernatorial seat.

I Will No Longer Respect Lusaka and Wetangula" Fires Erupts In Bungoma As  Wangamati Declares War With Ford Kenya - KDRTV
Senator Moses Wetang’ula and Senate Speaker Kenneth Lusaka. Photo/Courtesy.

Lusaka was defeated by Wangamati in the 2017 polls.

Ngome said that Wetangula is doing things targeting at his own interests and not the interests of the people of Bungoma and he should therefore be cancelled completely.

“The big problem that is leading to Wetangula’s fallout with other Bungoma politicians is none other than money related and that is why Wetangula must go for Bungoma to change. If we were to follow what he wanted, this county could not have been where it is right now. The dual carriage and scholarship projects could have not taken place,” he said

He went further to call upon those who haven’t registered as voters to use the second opportunity that is starting today 17th to February 6th saying that it will give them an opportunity to choose the leaders of their choice.

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Bungoma Governor Wycliffe Wangamati has been called out by Members of the County Assembly (MCAs) to stop using his power to humiliate every one who goes against his political wishes.

While addressing a press conference at the County Assembly of Bungoma on Friday January 14, 2022, Ndivisi ward MCA Martin Wanyonyi said that Wangamati had earlier on instructed goons to keep the county Deputy governor’s office closed denying him access because he had chosen a different political direction.

Wanyonyi reminded the county boss that every Kenyan has his/her own right to support candidates of their choice, under any political party.

He went further to note that the county is investing a lot of energy towards non-important issues instead of focusing on what’s important for the people of Bungoma.

He touched on the delayed salaries for the casual workers in the county saying that a lot of money was set aside for their salaries but up to now they are yet to be paid and they are still working for the county.

“I am asking the county government of Bungoma to tell us where the money went to. The casuals are not yet paid, instead they are using the money to move around in funerals and cause chaos,” he said.

His sentiments were echoed by his counterpart Tony Barasa, Lwandanyi ward MCA who said that the county stake holders need to get their priorities right.

Barasa said that ksh.136 million was set aside to cater for NHIF cards for the county casual workers but still they are unable to get quality services from the health facilities for the money doesn’t reflect.

He therefore asked the stakeholders to come forward and explain where the money went to.

He also urged village elders and the youths to refuse being used by politicians during this campaign.

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Bungoma based businessman cum activist Zachariah Barasa on Monday January 10, 2022 announced that he had joined Deputy President William Ruto’s UDA camp.

The activist will be seeking to unseat the incumbent Bungoma governor Wycliffe Wangamati in the August polls in a UDA ticket.

Flanked by Sirisia member of parliament John Waluke, his Webuye West counterpart Dan Wanyama and Mwambu Mabonga of Bumula at Bungoma Members club, Zachariah expressed his confidence in unseating Wangamati.

The DP Ruto’s lieutenants said that they were ready for the task ahead.

Zachariah criticised Wangamati, noting that Bungoma has not benefited from anything since devolution and now it is time for change and it is only through UDA.

Bungoma Governor Wycliffe Wangamati. Photo/FILES

“I have done a lot of consultations before coming to this decision. I have been engaging with the ordinary people of this county and they have advised me to vie on a UDA ticket because the manifesto of the party come in handy with my aspirations for the people of Bungoma,” he said.

Zachariah said that he was positive and confident about UDA, noting that it is the party that’s going to form the next government.

His sentiments were echoed by Waluke who said that Bungoma needs change for those who have been in positions that have not done anything major for the county.

Also present was Bungoma deputy governor Professor Charles Ngome who is also aspiring for the Bungoma senatorial seat which is currently held by the incumbent Moses Wetang’ula .

Ngome vowed to ditch his boss the governor and support any gubernatorial aspirant vying on the United Democratic Alliance [UDA] ticket.

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Optiven Ltd took the initiative to compensate all customers who bought greenhouses at the Kilimo Tujijenge project, after the partner who had been paid to do this reneged on executing their part of the deal.

Soon after 2017, it became clear to Optiven that SME Resource Centre Ltd and its CEO Josephine Gathoni aka June Gathoni were bent on not delivering what they had promised. Optiven took a quick step to report this entity and its director to the Directorate of Criminal Investigations (DCI), upon which a criminal case has been ongoing for the last 4 years at the Kiambu Law Courts. Optiven and several Kilimo customers are state witnesses against SME Resource Centre and Josephine Gathoni in this ongoing case.

Optiven is a caring partner; so pending the determination of this ongoing case, Optiven begun refunding all affected customers through a cushioning Risk Sharing Initiative. Under this Initiative, Optiven has refunded most of the affected customers’ funds that were directly paid to SME Resource Centre for greenhouses. This underlines the fact that OPTIVEN CARES and is a RELIABLE PARTNER.

Customers have either been refunded cash or swapped the amount that they had lost through SME Resource Centre with new plot/s of land across the various projects owned by www.optiven.co.ke or offset any outstanding balances on plots they are already servicing.

The Kilimo Tujijenge Project, which was to begin in 2017 in Kajiado County, was a partnership between Optiven and SME Resource Centre and was aimed at enabling customers who were to come on board to venture into agribusiness through a greenhouse farming model.

Optiven was to provide the land and value additions such as drilling of boreholes and piping water into every plot, which it did successfully.

SME Resource Centre on the other hand was to install and manage the greenhouses on behalf of customers in addition to marketing the produce. Customers were to get directly paid by SME Resource Centre after all the harvested produce had been sold and expenses deducted.

SME Resource Centre however reneged on its contractual obligations, which saw customers lose on their investments.

Optiven believes in the empowerment of its customers and opted this route as a positive outcome from the ongoing criminal case is hopefully awaited.

Meanwhile, Optiven is alive to the fact that there are a few customers who were affected by this reneged execution by SME Resource Centre, and who opted not to take up the offered cushion, but opted to seek for their compensation through a court process. Optiven will await the outcome of this case that is pending at the Kajiado Law Courts and commits to fully respect and follow the ultimate outcome of this matter when and once concluded.

Optiven Leadership takes this opportunity to apologize to the customers who got affected by this venture. We VALUE you and this is the reason why we opted to do a refund of the cash paid for those greenhouses that did not materialize.

In case you paid for your greenhouse and you have not gotten your refund maybe due to change of your contact or for any other inadvertent technicality, call this number for your refund 0790 300 300 or send an email to customerservice@optiven.co.ke for immediate action.

For those who would like to invest with Optiven, check on our unique properties on www.optiven.co.ke and enjoy our 21 years of experience in empowering current and prospective property owners.

For all philanthropic community support, kindly visit Optiven Foundation page; www.optivenfoundation.org

OPTIVEN VALUES YOU.

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The national chairman of Deputy President William Ruto’s United Democratic Alliance (UDA) Johnson Muthama has stirred mixed reactions on the internet after sending his birthday wishes to ODM leader Raila Odinga.

The former Prime Minister on January 7, 2022 marked his 77th birthday.

Joining other Kenyans in wishing Raila well on his special day was the former Machakos County Senator, who was once his political loyalist.

Muthama who is currently a staunch supporter of DP Ruto through his official Twitter account said that the hustler nation was wishing Raila good health as he celebrates his special day.

Muthama who has declared his interest in the Machakos County gubernatorial seat shared a photo of him with Raila at a past political event, with the caption catching the attention of netizens.

“Happy Birthday Jakom (Raila Odinga). The Hustler Nation wishes you good health as you celebrate your special day,” reads Muthama’s post.

A section of netizens while reacting to the post hailed Muthama for displaying what they termed as statesmanship.

Some argued that the UDA chairman had demonstrated that he is indeed a leader.

“Now, this is leadership. Very good gesture from you sir. We may disagree on some issues but we are all Kenyans. Baba the 5th,” posted one of the netizens.

“Now u have my vote as governor machakos. This has earned you my vote,” another Twitter user called Kevine Oscar reacted.

Muthama was in Raila’s NASA camp during the last 2017 general elections, but did not defend his senate seat. During the 2013 general elections, he was also in Raila’s CORD camp, winning the Machakos senatorial seat on a Wiper party ticket, which was an affiliate of the coalition.

Below are some of the reactions from Muthama’s post.

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Deputy President William Ruto’s United Democratic Alliance (UDA) party has yet again suffered another loss after another ally from the Mt. Kenya region announced that he had decamped.

The former Igembe North MP Joseph M’Eruaki said he had left the UDA party whose symbol is a wheelbarrow and re-joined Mwangi Kiunjuri’s The Service Party of Kenya (TSP).

This comes barely weeks after Kirinyaga Woman Representative Wangui Ngirici left the party over claims of mistreatment and favouritism by top UDA leadership.

Ms Ngirichi, a staunch member and supporter of the UDA party until her defection, had also faulted UDA officials “for treating her badly” despite being one of the key founders and investors in party.

Mr M’Eruaki decamped from UDA on Wednesday, joining a growing list of politicians and aspirants leaving the DP Ruto-led party over disagreements on mergers between UDA and smaller parties.

Former Igembe North MP Joseph M’Eruaki. Photo/Courtesy

The former MP, who has already declared his interest in reclaiming his former Igembe North seat, was officially received by TSP leader Mwangi Kiunjuri and Secretary-General Mwenda Makathimo.

The Igembe North seat is currently held by National Assembly Deputy Majority Whip Maoka Maore.

Mr M’eruaki had left TSP early November to join UDA, but bowed to pressure from his constituents, majority of whom are TSP supporters.

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Orange Democratic Movement (ODM) leader Raila Odinga has formed his 2022 presidential campaign board that will be chaired by Laikipia Governor Nderitu Muriithi.

Elizabeth Meyo will serve as the board’s chief executive.

Meyo, currently a consultant to the IMF, will be the secretariat’s chief executive officer and brings over three decades of administrative and strategic experience to the position. 

She is the immediate former Commissioner of the Domestic Taxes Department at Kenya Revenue Authority.

Meyo will be the overall CEO of the campaign, implement its strategic and key decisions, head the campaign secretariat, and make all vital decisions.

Murithi who is serving his first term is a former world bank economist and financial markets, expert. 

He is the current finance, planning and economic affairs committee chairperson of the Council of Governors elected in January 2021.  

Upon his election as Governor of Laikipia in 2017, Muriithi embarked on radical reforms of the county public service to make it professional and globally competitive. 

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George Kamano becomes the youngest aspirant eyeing to replace Johnson Sakaja as Nairobi’s senator.

The 30-year-old Real Estate Mogul had a sit down with elders hailing from Eastlands at his residence in Muthaiga and slaughtered 30 goats and gave gift hampers to the elders, where he shared his agenda for Nairobi and also received their blessings to contest for the Nairobi senatorial seat.

George Kamano also visited the youth in Kibera and Bahati area and awarded them goats for the festive season.

He further urged them to maintain peace and be vigilant during this political period and avoid being used by politicians who don’t have their interest at heart.

George Kamano also said that he is committed to push for bills that will change the lives of the common citizen and put money into their pockets and re-position the declining Nairobi as a business hub and tech hub but this can only happen if Nairobians put the city into the hands of those who have experience and understand what decisions need to be made to get us there, and he believes he is that person.

Kamano is the founder of a real estate company, a co-founder in a luxury car company, an investor in artificial intelligent in Tech and the founder of Kamano foundation, a charity based organization that has been doing food donation on a regular basis to families in the slums during covid period and had also previously partnered with the Apollo hospitals from India for a free cancer and spine medical Camp around December 2019 in Nairobi Ngumo opposite Kenyatta Market.

Kamano foundation also actively participated in free fumigation to small business and police station around Karen and Nairobi west and its environs.

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Stress is defined as a state of mental or emotional strain or tension resulting from adverse or very demanding circumstances.

We face challenges in our day-to-day life, how we work around those challenges or overcome them is entirely a personal approach.

Learning to control or avoid stressful situations will definitely make you a happier, proactive, and social being. Walking away, taking a nap and remaining silent are the better and safer options we take. However, you can spice up your stress control methods by playing online games.

Technology has placed in our hands an efficient and entertaining way to drive that worry away. Your phone, laptop, or desktop is a getaway to driving stress away. There are plenty of safe online games you can play to relax and distract yourself.

These online games act as a form of online entertainment and you are spoilt for choice by the numerous gaming platforms out there. There are those that are paid for and others free. Others allow you to download and play offline while for others you just click and play online for free.

I definitely grab the free ones to explore more and to narrow down on what I like and what my kids can enjoy too. Am sure you have your choices too.

I cannot fail to mention my favorite being https://www.culinaryschools.org/kids-games

These platforms offer a wide variety of games to suit all ages, your child, teenager, mum, grandpa, or even your no-nonsense boss. I specifically like this Culinary games site since it offers free browser-based online games that you can play directly with no app downloads.

Moreover, there are no distractive ads or redirects ensuring you enjoy your game totally. The wide genre to choose from makes you come back for more. There is definitely something for everyone. Comic, simulations, sports, solitaire, cartoon, and education categories are my favorite.

My favorite game is plumber-soda

https://www.culinaryschools.org/kids-games/plumber-soda

This is a simple and fun game to play. This game has sharpened my 4-year-old daughter’s typing skills. I have also encouraged my students to play it and their digital skills have improved.

You have no reason to stay gloomy, stressed, and worked up. Grab your phone or laptop and game your stress away! Kindly feel free to mention your favorite game and how it helps bring your stress level down. If you haven’t tried gaming as a method to relieve stress, now you know where to go.

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Going for live entertainment above canned music or something on a TV is really going the extra
mile.

It’s a way to add a heightened sense of fun and excitement to the already enjoyable time
that is your party.

However, like the food and the venue and the guest list that you put a lot of time into figuring out, the live entertainment is something you need to determine, as well. And by that, we mean: how do you hire the right live entertainment?

Live performers have a tendency sometimes to put guests on the spot, don’t they?

There are the magicians who request a volunteer from the audience, the comedians who want to interact with the audience to make things seem more personal, and the actors who bring the party guests into their theatrics.

What types of events will call for these possibilities? How can you make things not awkward and ensure everyone enjoys the performers you’ve hired? We’ll give you some tips.

Think of the Clientele

You’re hiring this entertainment for your guests, right? So, when you’re considering what kind to hire, think of your party guests as the performers’ clientele.

Your guests will surely have an overarching personality to them. What kind of people are they? Young and wild? Maybe get a rock band to perform.

Older and more given to traditional parties? Perhaps a suave emcee might do well.
Whatever you do, when you search “entertainment near me” online, make sure you choose
appropriate entertainment from the options you see.

Think of the Mood

Another thing to consider is the mood you want to cultivate at this event of yours. Obviously, you’ll want your live entertainment to mesh with the feelings at the party.

Having a birthday party for a 90-year-old? A rock band ain’t gonna cut it. Maybe go for something more traditional, such as a jazz band or relaxing singer.

On the other hand, if you’re throwing an extravaganza for a seven-year-old, why not go all out on the fun and get a magician to come and do magic tricks while also throwing in some comedy?

There are plenty of options out there for these kinds of performers.

Match up the entertainment with the party, and you’ll do just fine.

Think of the Performer’s Adaptability

You know, not every performer can be everything to everyone. There are areas where an entertainer specializes.

That’s going to be his or her strong suit. If you like this aspect of a performer but not that, see if the person can alter some aspect of his or her usual show.

Entertainers who work for hire are not rigid authorities who offer you one type of performance and won’t budge on any detail.

They will probably be happy you’ve chosen them out of all your options and will be more than willing to work with you on the specifics of what you’re planning.

Watch for this kind of flexibility in the entertainment you hire, and you’ll do much better. Keep all these things in mind when hiring live entertainment, and your guests should have the time for their lives.

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Kimilili Member of Parliament Didmus Barasa has slammed COTU boss Francis Atwoli over his planned Luhya meeting at the Bukhungu Stadium in Kakamega.

Taking to his official Twitter account this morning, the Deputy President William Ruto’s ally urged the Luhya community to ignore the meeting that is scheduled for December 31, 2021.

According to Didmus, Atwoli is more dangerous to the unity of the Mulembe nation, than the most dreaded Covid-19 pandemic.

The lawmaker went ahead to refer to Atwoli as the chief political broker whose days are numbered.

“I beseech the Luhya nation to ignore the fake Luhya meeting being convened by Mzee @AtwoliDza at Bukhungu Stadium on the 31st. The COTU SG is more dangerous than Covid 19 to the unity of the Mulembe Nation. He is the CHIEF political broker whose days are numbered!” tweeted the Tanga tanga lawmaker.

Didmus Barasa’s rant comes just a day after Kakamega Senator Cleophas Malala threatened to stop the same meeting.

Malala while addressing Kakamega residents argued that the meeting’s venue is in his political bedroom and that he has not been consulted.

He also argued that for such meetings to happen, the ANC leader Musalia Mudavadi must be consulted as the region’s Kingpin.

Malala told the residents that the meeting convened by Atwoli is fake, and that it has been nullified, urging them not to attend.

Atwoli in his response told off Malala, saying that the lawmaker is a junior senator who has neither the capacity to speak on behalf of the Luhya nation nor the ability to call off such meetings.

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Central Organization of Trade Unions (COTU) Secretary General Francis Atwoli has torn into Kakaemega senator Cleophas Malala over a Luhya meeting that is scheduled for December 31, 2021 at Bukhungu Stadium in Kakamega town.

Malala while addressing Kakamega residents on Sunday December 26, 2021 said that the meeting that has been planned by Atwoli is fake, and that it has been called off.

According to Malala, Atwoli must seek permission from Amani National Congress (ANC) leader Musalia Mudavadi before holding a Luhyia meeting.

The vocal lawmaker went ahead to claim that Atwoli wants to use the meeting to force the Luhya community to endorse ODM leader Raila Odinga for 2022 presidency.

Malala argued that Kakamega is his political bedroom, and that there is no any meeting that was going to happen without him being consulted.

According to him, a meeting meant to endorse Raila should be held in one of his political backyards, either in Siaya or Kisumu.

“It is now official. The fake Luhya meeting slated for the 31st Dec at Bukhungu Stadium is hereby nullified, ” Malala posted on Twitter.

However, Atwoli while responding to the claims told off Malala, saying that he was too junior.

Atwoli argued that Malala has no capacity to speak on behalf of the Luhya community, and has no any ability to call off such meetings.

The flamboyant trade unionist went ahead to clarify that the Bukhungu meeting is still on, and that it will bring together all progressive leaders and locals from all the five Western Kenya region counties.

“You are a junior Senator who has neither the capacity to speak on behalf of the Luhya community nor the ability to call on and off such a meeting. The Bukhungu II meeting brings together ALL progressive leaders and locals from the 5 counties in the region,” Atwoli tweeted.

On Sunday December 26, 2021, Atwoli hosted the Orange party leader at his Khwisero home. Raila accepted the invite to attend the Bukhungu meeting.

From Atwoli’s home, Raila toured Busia County where he held meetings in Budalangi.

Raila declared his interest in the 2022 presidential race on Friday November 10, 2021 during the Azimio La Umoja Convention that was held at the Moi Sports Centre, Kasarani.

Deputy President William Ruto, Musalia Mudavadi, Mukhisa Kituyi and National Assembly speaker Justin Muturi are some of the leaders interested in succeeding President Uhuru Kenyatta.

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Parents have been asked to create a good relationship between them and their children in order to create a free platform where they can share their issues without any fear of being scolded during this festive season.

Speaking during a pad drive event at red cross offices in Bungoma, Tracy Mutala who is a youth advocate and a mentor to young people noted that the act of keeping the children close and mentoring them accordingly will see many of them feel wanted, listened to and also adapting good characters and avoiding the bad behaviors that have seen many of them participate in unrests in schools.

Miss Tracy asked the parents to use this holiday to bond with their children to allow an emotional presence between them and the children Moreso the teenagers saying that mental health issues is one of the reasons that contributes to school unrest.

She went ahead to ask the parents and guardians to caution their children on excessive exposure to social media during this holiday noting that they tend to be wasting their time, instead they should direct their energy to profitable events like games, tournaments and church competitions to consume their free time.

She called out the advocates of change and mentors to not only focus on empowering the girl child in the society but to empower both genders.

“It is very important to empower both genders because the more we empower one gender leaving out the other, the impact become null and void because one gender ends up to be more empowered and it will not be easy to push the other gender to be at the same level with the other,” she said.

She further called upon the society at large to take a responsibility in guiding the young people to adopt good behaviors so that the rising school unrests come to an end.

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A man aged 41 years is fighting for his life in hospital after he was attacked and sodomised by four young men in Murang’a.

According to the Directorate of Criminal Investigations (DCI), the bizarre incident happened in Githiagara village in Kugumo, Murang’a County.

The man who was walking home at 1am on Tuesday was rushed to a Murang’a hospital while in serious condition.

At the time, he is said to have been coming from one of the local drinking joints. He was walking from Kahethu shopping centre to his home.

“The man was walking home from imbibing frothy waters with elders, when he was approached by the four, at around 1am. They immediately dragged him to a secluded area before they wrestled him to the ground and did the despicable act in turns,” reads part of the statement by DCI.

After the act, the man is said to have been left lying on the ground helpless.

Following the beastly incident, two suspects Bernard Kamande, 25 and Erick Kimani, 21 who were positively identified by the victim have been arrested and are currently being held at Muthithi Police Station.

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