Imna and Jimnah Consultants Limited

27/11/2019

JANUARY BLUES
Christmas is a brilliant time of year, but there’s no need to lie awake worrying about how you can afford it - or getting into debt that you will spend the next six months paying off. A bit of forward planning means you should be able to have fun throughout Christmas and New Year, and not be too miserable when January comes around. Unfortunately you still have to pay your bills at Christmas. It gets worse when you are paid before Christmas what is to be spent in January!

Does the prospect of post-Christmas debt cause you serious stress? Often the happiest but also the most expensive time of the year, any good spending habits cultivated throughout the year often go out of the window once party season begins. Is there a way to have as much fun as possible during the festive period without risking financial ruin?

Time to talk on a stress free January!
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26/11/2019

DOES FEAR HOLD YOU BACK FROM YOUR SUCCESS?
Landmark breakthroughs are products of people who had visions and who dared to experiment with their visions. How many times have you let opportunities pass you by because you said you lacked experience? Experience is good but should not be limiting.

What was the experience of people who started Universities? Or the first man on the moon? They had no degrees but the strength of their vision, conviction and passion to set up standards for the rest of the world to follow. If you expect the future to be totally different from the past, then you really don’t have experience for it. Landmark achievements are products of people who took all the information available to them and convinced themselves that the experience that their vision produced in their minds would see them through.

How limiting is the thoughts that you need to have experience to achieve anything! This is the thinking that has made leaders into followers, princes into peasants and philanthropists into paupers.

So what do you do to overcome the logic that you cannot move to the next level because you ac experience?

You need a vision that is greater than your doubts. The voice of your dreams needs to be louder than the voice of your fears, doubts and even inexperience. Remember no one is totally void of fear but greatness come when people who

What is it that you have not done citing lack of experience? Let's talk

Phone: 0714 101 000
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25/11/2019

All TALK and no ACTION breeds failure
Too many opportunities have been lost by people who are not decisive and are not able to make bold decisions swiftly. The main difference between winners and losers is often the speed of action to do something. The intent to do something will actually never produce the benefits of actually doing it!

Have you ever been in a situation where you had this great idea and even planned how to execute it but somehow did not do so only for others to do it and benefit from it greatly? Yes? No?

At Imna and Jimnah Consultants Limited , we will guide you in identifying the cost of your activity or inactivity in your life. We have two options: Blame the world for our failure or we can pull yourself together, become proactive and make a move in the direction of our dreams.

Share your opinion and/or enquire more on ideas we had that we did not implement then someone else did and benefitted from it:
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18/11/2019

Why is money important to you?
When it comes to money, we all make mistakes but some mistakes are too costly to bear. It is up to us to find ways to avoid making the money mistakes that will take the rest of our lives to correct.

Kenya boasts of a highly educated population with high income levels but they can be just as ignorant about financial issues as people with less education and lower income. So how do you make money work for you? What is it that you want from your money? Knowing why money is important to you will guide you on every financial planning decision moving forward. It is easier to say no to things when you have a much bigger yes.

At I&J Consultants Limited, we guide in identifying the impact of money decisions in your life. It's liberating to know that you have power to make your life whatever you want it to be; Career, Family, Investments & Personal Development.

Looking for a purposeful investment journey? Let's talk

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Website: www.iandj.co.ke

16/11/2019

Debt Management

Are you in debt? The world is awash in a sea of debt. People, families, companies, and even nations are caught in a borrow-and-spend cycle that results in ever-increasing debt loads. There is a crude joke in Kenya that even a new born baby has a debt to some master somewhere on behalf of the government!

The path to insolvency often begins at a young age as children grow up witnessing their parents' struggle with their finances and paying loans. In this era of digital economy and technological advancement, and with the endless streams of advertising; "CRB listed? No money? No problem! Access cash in 24 hours" the idea that everyone has debt and that buying on credit is a normal and acceptable activity is reinforced. Debts are fun when you are acquiring them, but none are fun when you set about retiring them.

To break the debt spiral, you'll need lots of patience. Remember, it took years, perhaps decades, to build up those outstanding debt balances. Recovery will be a similarly slow process. This may require a commitment every month to repay to debts. Engage a financial advisor who will help restructure your income and expenses as you seek to live a debt free life.

Do you envision a debt free life? Let’s engage

Phone: 0714 101 000
Email: [email protected]
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15/11/2019

Poverty charges interest!
“Being poor now just leads to being poorer. Cannot pay to clean your teeth, next year, pay for root canal. Cannot pay for a new mattress? Next year pay for back surgery. Cannot pay to have that lump checked out? Next year, pay for stage three cancer!”

Every year, thousands of Kenyans are pushed below the national poverty line due to direct medical bills. Today, medical bills are one of the most significant financial burdens facing Kenyans in this modern era. This has led to a more significant concern that most Kenyans are only an illness away from poverty.

So what happens when one falls ill or worse of diagnosed with a terminal condition in Kenya? What if there are no savings that can handle such an eventuality?

Imna and Jimnah Consultants Limited acknowledges priority to protect your family’s future dreams and opportunities.

Share your opinion and/or enquire more on insurance covers with us through:
Phone: 0714 101 000
Email: [email protected]
Instagram
Twitter
Facebook
Or visit our website on www.iandj.co.ke

15/11/2019

Poverty charges interest!
“Being poor now just leads to being poorer. Cannot pay to clean your teeth, next year, pay for root canal. Cannot pay for a new mattress? Next year pay for back surgery. Cannot pay to have that lump checked out? Next year, pay for stage three cancer!”

Every year, thousands of Kenyans are pushed below the national poverty line due to direct medical bills. Today, medical bills are one of the most significant financial burdens facing Kenyans in this modern era. This has led to a more significant concern that most Kenyans are only an illness away from poverty.

So what happens when one falls ill or worse of diagnosed with a terminal condition in Kenya? What if there are no savings that can handle such an eventuality?

Imna and Jimnah Consultants Limited acknowledge that there priority in protecting your family’s future dreams and opportunities.

Share your opinion and/or enquire more on insurance covers with us through:
Phone: 0714 101 000
Email: [email protected]
Instagram
Twitter
Facebook
Or visit our website on www.iandj.co.ke

14/11/2019

Retirement Is Closer Than Planned
Many Kenyans aiming to work to and past the retirement to cushion their savings are seeing those hopes foiled. The employment ground is shifting and if the statistics in the country in 2019 are anything to go by, we need to be prepared!

What will happen if you will no longer able to work for whatever reason? Employees and entrepreneurs pride themselves on being self-sufficient and independent, they are not immune to: Health Challenges, loss of job, change in the economic environment, retirement, changes in marital status, having to care for an aging parent, educate a sibling and /or change in government policies that will render businesses redundant.

You can’t avoid all the shocks, but you can take steps to cushion the blow. Fortunately, there are steps you can take to help plan for an uncertain future, including operating under the assumption that you will have to retire early. Talk to us today and we will customize a structured and disciplined investment plan that will allow you to achieve your goals comfortably.
Lets chat
Phone: 0714 101 000
Email: [email protected]
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Or visit our website on www.iandj.co.ke

12/11/2019

You beat cancer by how you live, why you love and in the manner in which you live

By Joseph Wachira Kimani I&J Insurance Agency Serah had all her life well planned and life was good. Her husband had finally gotten a job in Qatar and things were looking up for the family. Her children were all doing well and Ann, her eldest daughter was just about to do her final exams. Her …

12/11/2019

After one and half years, my husband comes home and I can spend time with him. I am different. I am stronger, braver, more compassionate, dream fiercely, love fiercely, smile harder, God is my best friend, and true to my boss, I am a testimony that God heals.

Cancer might have taken away a part of me, but it left the best of me.

12/11/2019

Mama Anne, as is popularly known had all her life well planned. Her husband had finally gotten a job as a driver in Qatar and was supporting the family. Her children were all ding well and Ann, her eldest daughter was just about to do her final exams. Her other two, Jimmy and Elizabeth, couldn’t be better

A housing project was underway and in just some few months they would be finished and earn her a new title, Landlord. Her husband’s contract was to keep him in the Arab world for two years. One day, she start feeling pain in her breast and she thinks is a passing pain, maybe hormonal. She does to work and her boss realizes her discomfort and on examination advises her to go to a clinic a few meters away. This is beginning of the gruesome journey with breast cancer. What will happen to your children? Your husband? Your parents? Your boss, a woman of faith say "Nothing will happen. You will get well and be a testimony of Gods healing power. Above all, I will be with you in this journey." Luckily your boss had ensured that you have an NHIF that was paid throughout. Also that cancer treatment was covered under the NHIF. The entire treatment is paid for by the NHIF. God bless the government!!

The husband’s contract does not allow him to come visit. So it’s either he terminates the contract and come home or continue working for another year and half while the wife battles cancer alone in Kenya.

You don't want to lose your breast. You hang onto it. Some weeks to the 2017 elections, In Kenyatta National Hospital, evening they remove the breast. An angel in the name of a nurse and your boss, make the journey bearable. Being with every hospital visit and make sure that an approval here, an approval there is done and luckily, all the chemo treatments were done as an outpatient and no blood transfusion. In fact, myself and Pst Maureen became pastors on every chemo visit to other chemo patients in Kenyatta National Hospital. Not long after, 8 rounds of chemo and 18 of radiotherapy. You lose your hair and a bit of your mind. You fight the very notion of being a woman until you reach acceptance that you are still one with your remaining breast.