Wednesday, 22 July 2020

How I lost money to First Financial Banc: Prelude

I put it to you plainly. First Financial Banc, yes BANC, is a scam. A SCAM. Very clever con artists. 

In this series of exposes, I shall detail how I was hoodwinked by a sly female "Financial Advisor" who called using a Norwegian number, sent me WhatsApp messages using a Cyprus number while all the while claiming to be based in London.

In the end, I ended up being debited by a St. Petersburg, RUS, company. When I said I wanted to pay cash for my portfolio, I was directed to a bank account in Munich, registered to an Estonian company that deals in Cryto. All the while not being told WHY.

After receiving countless calls and pestering messages to increase my portfolio to 5k, even in the middle of my incredibly busy home office schedule, I got threatened. That n more trade was going to happen in my portfolio UNTIL I increased my investment.

I'll show you how when I asked to close my account, more three weeks later I have NOT received my money.

Monday, 20 July 2020

How I lost money to a shadowy off-shore Forex trader

I'm going to share an explosive expose of a shadowy off-shore Forex trading company that is anything but legit. I've given them until 5pm German time before I go live with recorded phone calls, WhatsApp screenshots, faux trading portal and endless pursuit of my refunds.

Stay tuned!

Sunday, 17 May 2020

Oratinwekab Nandi (Clans) - S C Cheison

Clan as it applies to the Kalenjiin here means the larger unit of family that is defined by a totem as an emblem. So we take reference from the totem, be it animal, bird, insect, reptile, or such heavenly phenomena as sun and lightning. The people loved their totem "animal", tyoondo, and identified so closely with it. No-one was allowed to kill an animal that was held as a totem by a section of the community without cause and permission from the particular clan. Like in cases of execution of capital offenders, the family members were given the last opportunity to expel the erring animal from the clan before it could be set upon. A member of the clan was required to throw a leaf instead of a spear, club, or arrow, at the animal - symbolically throwing the first stone - before the rest could hurl real weapons at it. This rule may have had an animal preservation motive in mind. The ancient Egyptians went to an even greater limit in expressing love for their animal totem. Both the Kalenjiin and the ancient Egyptians observed clan rules under the ethical rules of Maat - precisely under the same name, maat, you may need to know. The ancient Egyptians went ahead and domesticated where they could, their totem animal in very large numbers, treated them as family members, and embalmed them upon their death as if they were human. Such have been found in plenty in tombs. Christianised Roman emperors, notably Justinian, banned the maat system in Egypt around the fifth/sixth century AD, calling it zoolatry - worship of animals (This intro courtesy of: Kagiptai).
The Nandi society's organisational structure was premised on two principles. The first  kind of organisation (in no particular order of significance) was political structuring. Perhaps no other Kalenjin community had as elaborate an arrangement as the bororiet of the Nandi. There are eight (again note the multiples of four, probably a significance that these are men-only affairs!) bororiosiek. These are made up of five large and three minority but fiercely conservative bororiosiek. It is instructive that people of one oreet could live in different bororiosiek but with no change in the clan. The Kipkenda clan is represented in the populous Kap Chepkendi, Kap Melilo (the only bororieet with a totem symbol, cheplangeet) and Kaptalam but are all Kipkenda. It is the authors contention that the bororieet was a precursor and a Nandi civilisation form of multipartyism. However, much on this topic is to come later.

The second is the family, filial or blood relationship which was markedly classified by a reference to a family oreet (plural oratinwek NOT ortinwek which means routes) defined by "tiondo" or totem (animal) which is actually a misnomer since even the sun is part of the animals. Since numbers are significant for the Nandi and by extent the Kalenjin, there are roughly 16 oratinwek against about 26 tiong'ik because some oreet carry more than one tiondo. Noteworthy is that the Nandi regard the crested crane (Kong'oony) as the first animal to be alloted (keroob) while the hyena (kimageetiet) is reputed as the last to be alloted. In between are other animals. It is important to note that some of the animals that are sacred to the Nandi are not found in other Kalenjin tribes. The converse is also true. Most of what I have put down here was revised from an entry at Kagiptai which seems to borrow from Huntingford who compiled the story from informers that were probably young and didn't have enough information. For in that report, the frog (and there is a particular one revered by this clan) and the bee are grouped as Kipkeda. This is way off the mark since the frog belongs to the oreet of Kuchwa (frog, of the late Bishop Alexander Muge - Kap Kunguren) while the bee (to which the Matelong family belongs) is Kipkenda. To the best of the writer's knowledge the Kipkenda clan is made up of two different bees but is exclusively a bee-clan. The first bee is the 'maimi' bee, the honey-bee which makes honey-combs and deposits the nectar on rock crevices and boondet (hives). The Matelong family belongs to this clan. The second is a special type of a bee, which are called Chep Kaburiinik. These bees are characterised by a 'red colour', non-aggressiveness and 'no-sting', they circulate the sky and usually around mid-day if one shot an arrow, quite a swarm came down with it. Listen to the 'tolololeet' or typical swarm of bees sound. They make their honey in earth (ground)-crevices. The Kap Achoro (Kap Sigoong) family, which is originally from Terik represents this family.
It will not be fair to leave out the importance of oreet, however sketchy. To a large extend, the Nandi peoples' daily life was determined by the oreet. For example, although the Talai clan are revered (even feared), they were not allowed to complete an induction through the rights of passage of men before coming out of seclusion. The most defining distinction, 'kamuiiset and riikset' are excluded from their ceremonial menu. As a result, the Talai, the Mooi Kogo (Chepkogosioot) and Kiboiis (Leelwek) are NOT allowed to be 'matirioot', ostensibly because 'they cannot lead where they didn't go (ma tarei tumdo)! Consequently, during the two critical final ceremonies, sons of these two clans go to sleep at home. It is noteworthy that the Kiboiis (Lelwek) and Talai (Kutoonoi, or kutwo) are of Maasai in origin. On the other hand, traditionally, a Kiptabkei is a 'ng'wan guut' meaning in the case that the community is to pronounce a curse (chubiisiet) on anybody it was their preserve. Additionally, because the Tungo clan is, for purposes of prominence, the 'least important' clan symbol, their daughters are not subjected to the 'cheptab oreet age ne weendi oreet age' paradigm. Consequently, they are allowed to praise their father's tungo..hence the occassional ululation by a tungo girl is unmistakenly interspersed with 'eeeeei tungo goinyoooo'.
Going to Kapkoros was also ordered around the oreet. However, the author does not have details beyond the fact that going to Kapkoros was largely a more or less a tumdo business. Indeed, the Kapkoros ceremonies was more of a political organisational excursion in which bororiosiek took part in prayers that were obviously determined by the clan composition. Additionally, the oreet determined strictly where one could or could not marry from in a classical understanding of the consequences of in-breeding as taught by 'genetic vigour' scholars. Likewise, for example some clans were not supposed to go for koiito, they couldn't be accepted 'ma kii li" again and without the slightest intent to spite the tungo clan is one such. Hence the jest "ki boo the rebei ma soomei". One controversial Kipkenda clan 'don't' which seems to have been overtaken by events is the interesting 'banning' of a Kiptabkei - Kipkenda marriage. This may have been informed, as was always the case, by a repitative disaster which the Kipkenda family attributed to marrying cherereet. Whether this is still the case is not known to the author. However, in a recent event, the Kap Matelong of Rongai in Nakuru gave their daughter to a Kitabkei of Cheptabach in Sireet, Nandi Hills. The couple have since had kids and it would seem safe to bet that they will be happier for many generations to come.
Finally, oreet determined to a large extent the socio-economic lifestyles of the Nandi. In this regard, livestock were not owned by an individual, at least not strictly. With elaborate marking of the livestock, each oreet was allocated a unique way of 'branding' the animals usually with respect to marks on the ears. Thus, Moi (Kong'oony) perforated the ears of their animals as did almost all other Moi oreet. It is this that you find in the 'girls' of this oreet, like my grandmother, who praise their father's household with the ululation 'Kap Bar iit goinyoo'. Other oreet had a similar branding with the ears, either left or right, cutting off of the tip (muut) or mapping 'fingers' on the ears 'sach' and similar marks. Thuis means that in cases where the livestock straight, a man would be able to know that the animal in question belonged to a certain clan and the owner(s) was easily identifiable.
I have attempted to classify the oreet with a deliberate show of an example of a family in the Nandi country. It is not guaranteed that the information is entirely accurate. In the table herebelow, view my attempt at a demographic classification of the clans. Any comments and additions for the families are definitely welcome.

  Example of family
  Salanik/ kawaalet

  Kap Chepkimom/ kap Cherimbor (Prof. Some), Kap Leitich, Kap Sisei Masoomei che ruutoe, Kap bar iit

  Kap Letangwo
  Kap Kutei, Kap Ng'atiip
  Kap Manyei Ngok (ngokiet not ng'ogi!)/ Kap Yop Terik, Kap Charicha
  Kogos (Chepkogosioot)
  Kap Chelilim (Rev David arap Riirei), Kap Nam Emet, Kap Terengia (Kap Magoi), Kap Chemagar, Kaap Mugeen, Kaap Siroon
  Kap Matelong, Kap Mugeeni (in the Kipsigis country: Hon. Wilson arap Leitich and Hon. Isaac Ruto and Davy Koech), Kap Cheptum, Kaap Toorkoi  (Kap Torkoi), Kap Kiliku (You've probably heard of Kap Jimmy as a reference to boys initiated according to the "church" way. The man Jimmy Kipngetich Keter belongs to this family as does Dr. Tanui of Ol'Lessos Educational Centre, Kap Mamaet, Kap Melsuwo, Kap Toroor, Kap Mateitei
  Maimi che ngoimi ko ba go

  Kap Acharo (Kap Sigoong), Kap Chemuge, Kap Mararen (Late Hon Stanley Metto), Kap Cheptile (The Late Bishop Ezekiel Bireech, Hon. Kipruto Kirwa), Kap Tap Tengelei (yes of the colonial migration to Kabiyet fame!), Chemong' (Prof. Mengech), Kap Koisamoo, Kap Cheleel
  Kap Busuriek  
  Chebirirkong Kaap Ng'ochoi, Kaap Tiris, Chepturo  
  Kap Cheptueen Kap Marende  
  Hon. Samuel arap Ng'eny/ Joel Chemiroon's family/ Prof David Serem's Kap Mutwa (formerly of Maseno), Kaap Kesebee
  Kapiil, bale gut ak kutung

  (Kergeng) Cheptirkichet
  Kap Koimur of Kitale (owners of the former Kogos bakery building in Eldoret), Kap Chamu (Late Magistrate Chelulei), Kap Cheligo
  Tui seru

  Kap Sigiis (former Cllr. Andrea arap Murei, Tulon), Kap Bargach, Kap Machichim, Kaap Kirgit Beek (Kaap Kiyeng)
  Sogoom Kap yubei

  Kap Rotuuk (Late Hon. Jean-Marie Seroney), Kap Chebwai (Hon David Koros), Kap Kerebei, Kap Kong'et Luk-Kap Kong'eeluk (PS Tirop), Kap Tiirei
  Kap Cheptembur, Kap Cheborus
  Mel mugaang'
Mende keruus

  Ng'etuny (Talai-kutwa)
  Kap Chesaniak (the Ruguts of Kap Simatwo), Kap Mugunya (Paul Metto of Lessos), Kap Bureeti (Kap Hamisi of Mogoon), Kap Koiya
  Ki ma peel ame o

  Ng'etuny (Orkoi)
  Kap Turugat
  Tulee gut

  Taiwet (Kap Mwaigei?)
  Kap Tarno, David arap Beet (Kabuson, Kabiyet
  Che kwes tibiik eng' kutus ago toloos eng' kubees

  Kap Maraba (Balozi Chumba)/ Kap Mutwa/ Kaap Sato
  Kibwalei Katamwa/ Kap rat setio let
  Kap Chongei, Kap Chemurungu, Kap Mutoor, Kap Buigut
  Tui seru

  Kap Kesgeny, Kap Nyaliil
  Koros, Kap Tageei Kou ngat ta unda koek che(go)

  Tisieet Kap Buusia  
  Kap Chepkicho, Kap Chulai
  Kap koluu

  Mororochet (mò:rôro:c-ét)
  Kap Kunguren (Late Bishop Muge, Paul of Mogoon)
  Maram koong ram toliil

  Kap Kesei, Kap No (Hon. John Sambu), Kap Moeek (Hon. Kosgey), Kap Chepchoge

  Kap Bwaibei, Kap Cheramuk, Kap Kelem (Kap Cheepchoge), Kap Kipkeen?
Kap ooit
  Belioot (+ nyiiritiet 'chameleon')
  Kap Chemogos, Kap Chepsuto, Kap Milkija (Dr Kimaiyo of Referral),  Kaap Chebwaachar
  Kiram gel koe mooi

  Kap Rooben
  Kap wariir ko loo komi Namuge
  Kap Chemageet, Hon. Tarus
  Korap oor/ Kipeetu

Sunday, 5 April 2020

Sour dough bread: my lessons during the Coronavirus "holiday"

Growing up in rural Kenya under very grinding poverty, my widowed mother made busaa, the proceeds feed us and paid fees for our education.

Busaa biochemistry is complex.

No yeast is added at stage one. Thence, only maize flour (mostly) is mixed with water and the "dough" is stored away to ferment naturally. After about 7 days, the ferment is scalded to kill the fermentative microbes and develop delicate flavour. Today we know that as mailers reaction.

My mother and the generations before her looked for the delicate brown colour. That was all!

If course the fermentation at stage two is aided by millet which is aimed to be richer in (natural) yeast.

Busaa, like Mursik (the traditional fermented milk you call Kefir elsewhere), is driven by natural fermentation.

Sour Dough baking is a busaa type process.

For bread.

During this COVID-19 #StayAtHome I wanted to learn something new.

All my academic life, I've never attended a baking class.

So I took to YouTube, the best learning medium of our time.

To make Sauerteig (German for sour Dough), you follow the busaa process.

1. Develop and feed the starter (up to 7 days)
2. Then bread process

Today, after failure on day 1 because of very cold temperatures which suppressed starter activity, I've made bread!

I'll make a video later. Here are the photos, meanwhile. The bread is 50:50 Rye: whole grain wheat flour. Very healthy.

My next move? Baguettes!

Note: After proofing, I kept the two parts in the fridge overnight because I didn't have the time to wait for the 3 hrs. After 2 hrs upon removing from the fridge, I "signed" and baked at 240°C for 25 min (preheated oven and poured water on a hot ready to create stream to make the bread crunchy!), followed by 5min at 180°C.

Now we can enjoy some fresh bread!

Sunday, 8 March 2020

Further studies in Germany: How to search and apply for MSc/PhD

I receive inquiries from interested students or parents asking for opportuities for further studies for their children or family.

1. German Education is mostly Tuition-fee FREE.
2. Most information about study programmes and their requirements are freely avaibale and you don't need a paid consultant to guide you.

Watch on and remeber to subscribe to the channel.

Tuesday, 3 March 2020

A guide on study in Germany

Studying in Germany quick guide

I get asked the same question everyday. I'm sure anybody who studies or works in Germany gets it too.

"Please help me look for a scholarship in Germany".

Well that's the question.

It may come in different ways. But the bottomline is the same: "I wish to study in Germany but I don't know how to go about it".

I don't know but in the age of the internet people should spend more time searching than reading useless posts on social media. I left active university a year ago.


I've shared this simple guide. It's helped a number of you get progress on your quest to pursue further education in Germany.

But we've a unique problem with Kenyans. We're not a reading society. Perhaps we're a listening society.

Because even though I share this simple guide, I still get people who come back asking me where to begin. Yet it says it clearly!

Please note. Going abroad, especially to Germany, for further education, is NOT an event.

It's a PROCESS. One that takes time, patience and costs money.

So don't wake up now and expect to get an admission letter in January.

You need at least three, six even twelve months of preparation. Plan early and stop behaving like a baby. Nobody will babysit you out here.

Here's is my guide.

You have asked me for help with scolarships. Germans are keen on REQUIREMENTS, be careful to read instructions and provide ALL documents, if they require them certified make sure they are. Mind deadlines too. Actually DAAD Regional Office for Africa in Nairobi has done a superb job in providing Info and you can stay up to date by liking their Facebook Page ( Also consider liking the very useful page Mkenya Ujerumani.

Ideally note the following.
1. Education in Germany is free. As in you don't have to pay any tuition.

2. The cost of living is high, that is what you would need help with. Plus you may need to pay other fees, probably up to 1000€ per semester.

3. To begin with, look for a course of interest. Use this link

SIMPLE GUIDE. Choose a course which is RELATED to your previous degree, Germans don't understand why Kenyans switch from one field to another and that determines your chances of gaining admission!

4. Create your CV online usinf this link ( and then download and send it to me to check. Do some cleaning by removing the Europas logo in the header. Save the file with Surname_CV. Mind first impressions. Keep it lean. You don't need to fill it with unnecessary Info. Only that which is useful for your application.

5. Once you have found your course of interest, go to the course/university website and READ the requirements, note DATELINES and applications datelines. Pay attention to requirements.

6. Get back to me with firm decisions on WHAT you want to study and WHERE you wish to study it.

7. Perhaps I'll guide you from there. Or you'll get help from those who have gone through a similar process.

You'll need a motivation letter. I'll expand later on what you need in one such.

Kindly do me a favour. READ the contents. I am pressed for time.

Sunday, 16 February 2020

Using LinkedIn for job search and CV creation tools

Whether you are interested in a internship or a new challenge, you need to search for suitable openings in the job market. LinkedIn offers a useful functionality to search for and apply for openings that are posted on the jobs section. To leverage LinkedIn, you may reach out to your connections in the hiring company.

But you need self-introduction. 

Create a CV for job applications or self-introduction.    

Watch my guide

How I lost money to First Financial Banc: Prelude

I put it to you plainly. First Financial Banc, yes BANC, is a scam. A SCAM. Very clever con artists.  In thi...