M-BANKING (USSD Codes) M-PESA to Bank (paybill no.)

M-PESA to Bank and Bank to M-PESA is a service designed to enable
M-PESA customers to conveniently move money from their bank account to

M-PESA account on their mobile handsets and vice versa without
stepping a bank.
Below are the most useful m-banking codes:
1ABC Bank
111777
2Bank of Africa*987#972900
3Barclays Bank K LTD*224#303030
4CFC Stanbic*208#600100
5Chase Bank*167#552800
6CITIBANK N.A KENYA
100229
7Comm. Bank of Africa*654#880100
8Consolidated Bank LTD*262#508400
9Co-operative Bank*667#400200
10DTB*385#516600
11Ecobank*335#700201
12Equatorial Commercial Bank
498100
13Equity*247#247247
14Family Bank Ltd*325#222111
15Faulu DTM*339#328585
16First Community Bank Ltd*342#919700
17Gulf African Bank*399#985050
18Housing Finance Company LTD*231#100400
19I & M Bank Limited*458#542542
20IMPERIAL BANK LTD
800100
21Jamii Bora Bank
529901
22KADET Ltd*985#200555; 549900
23KCB*522#522522
24K-REP BANK*527#111999
25KWFTDTM*378#101200
26Musoni*279#514000
27National Bank*625#547700
28NIC Bank Limited*488#488488
29Post Office Savings Bank*498#200999
30Prime Bank
928800
31Rafiki DTM*366#802200
32SMEP DTM*952#777001
33 Standard Chartered Bank*722#329329
34Transnational Bank*862#862862
35 UBA Bank
559900
36 Uwezo DTM
504600

How to Sign Out from Sessions on Google Gmail Account

It is good to know all the activities going on through your google accounts.
You never know who might maliciously get into your account at any
time. Most of the time, there is a password autosave feature in most
of the browsers we use.
We mostly know the logout feature without having concern on the other
part of it.
Okay, i have got a trick to make you safe from now on. Gmail is all in
one account provided by google to ease what we do online. And it is
your duty to take care your right to privacy and safety.
Below is a step by step procedure to Sign Out from Sessions on Google
Gmail Account:
step 1:
log into your GMAIL ACCOUNT.
If it appears in mobile version, switch to classical or desktop mode.
Step 2:
scroll to the bottom of it, you will see 'Last account activity: x
minutes ago on this computer. Details.
Then click on details.
Step 3:

Successfully signed out of all other sessions.
Note: Users can log in again, if they know your password or have it
saved on their computer. If you're concerned about someone using your
account without your permission, please change your password.

How KCB M-PESA work: Stp by Step Procedure

    You will not be able to top-up to the amount saved.
    Locked periods include 1, 3, 6, and 12 months with minimum amount of Kshs.500.
    Upon early or premature redemption, you will forfeit all interest accrued.

    You get cash back immediately to KCB M-PESA account on prompting cash back
    You also get Life insurance benefit based on fixed deposit savings.

Target Savings Account

This account allows you to set a target and make deposits towards achieving that target.

How does it work?

    1. You will top up continuously until you achieve your target.
    2.The account is accessible with standing orders from M-PESA or KCB M-PESA Account
    You can choose from target periods of 1, 3, 6 and 12 months with minimum contribution of Kshs.50.
    3.You will also earn interest on cumulative interest
    4. You are allowed up to 4 withdrawals within target lock period to maintain interest.
    5. You will get cash back immediately to your KCB M-PESA account on prompting cash back
    6.   You benefit from exciting Interest rates of 1 month (3%), 3 months (4%), 6 months (5%) and 12 months (6%)

WHAT IS KCB M-PESA Account

KCB M-PESA is a savings account that enables you to access instant loans up to Kshs.1M upon dialing *844#.

The KCB M-PESA Account features include:

    Minimum saving of Kshs.1 and maximum saving of Kshs.1M
    Personal accident insurance benefit based on savings
    Interest on savings of 2% p.a.

You may load your savings easily and conveniently via M-PESA, KCB Mobi, Mtaani agent and/or branch and withdraw your KCB M-PESA account savings only via M-PESA.

Loans

You can borrow instantly without saving with disbursement being to KCB M-PESA Account Loan Limits (Kshs.100 to Kshs.500,000 with a top up option)

You can choose flexible repayment periods of 1 month, 3 months and 6 months via M-PESA, KCB M-PESA Account and Mobi/Branch/Mtaani with an option of Partial payments.

The interest on the loan include:

    30 day loan at 4% per month (4%)
    90 day loan at 3% per month (9%)
    180 day loan at 2% per month (12%)

The KCB M-PESA Account Fixed Deposit accounts

There are two types of fixed deposit accounts available to you as a KCB M-PESA Account holder. They include

    Fixed Savings Account
    Target Savings Account

Fixed Savings Account

This Account allows you to lock a specific amount of cash for a certain period of time.

How to open a KCB M-Benki Account 2015

Brief History:

The history of KCB dates back to 1896 when its predecessor, the National Bank of India opened an outlet in Mombasa. Eight years later in 1904, the Bank extended its operations to Nairobi, which had become the Headquarters of the expanding railway line to Uganda.
The next major change in the Bank’s history came in 1958. Grindlays Bank merged with the National Bank of India to form the National and Grindlays Bank.

 How to open a KCB M-Benki Account:


    Go to MPESA Menu,
    Payment Services, Pay Bill Option, Enter Business No. 522522
    Enter Account, type ID (No Spaces) and your National ID Number e.g. ID23456789
    Enter amount to deposit, then your MPESA PIN
    You will receive two SMS's. One with your M-Benki Account Number and the other with your User ID and PIN.
    Access the account through *522# and enjoy all KCB Mobi Bank services.

KCB M-PESA ACCOUNT TERMS AND CONDITIONS 2015

Before you subscribe to certain services, it's advisable to go through the terms and conditions.
i have made this blog post for you to quickly see through them.
Regulated by the Central Bank of Kenya
KCB M-PESA ACCOUNT
TERMS AND CONDITIONS
TERMS AND CONDITIONS FOR THE KCB M-PESA ACCOUNT

1.    THE AGREEMENT
1.1.
This Agreement sets out the complete terms and Conditions (hereinafter called
“these Terms and conditions”) which shall be applicable to the KCB M-PESA Account
(as hereinafter defined) opened by you (as hereinafter defined) with the Bank (as
hereinafter defined).
1.2.
These Terms and conditions and any amendments or variations thereto take effect on
their date of publication.
2.    DEFINITIONS
2.1.   
In these Terms and Conditions the following words and expressions (save where the context
requires otherwise) bear the following meanings:
2.1.1.   
“Bank” means Kenya Commercial Bank Limited incorporated in Kenya as a limited
liability company under the Companies Act (Chapter 486 of the Laws of Kenya) and
duly licensed as a bank under the Banking Act (Chapter 488 of the Laws of Kenya)
and includes subsidiaries of the Bank as may from time to time be specified by the
Bank to you;
2.1.2.   
“Credit Reference Bureau” means a credit reference bureau duly licensed under the
Banking Act pursuant to  the Banking (Credit Reference Bureau) Regulations, 2013,
as amended, revised or promulgated from time to time, to inter alia, collect and
facilitate the sharing of customer credit information;
2.1.3.   
“Customer” means the person in whose name the KCB M-PESA Account with the
Bank is existing;
2.1.4.   
“Customer Care Centre” means any Safaricom Retail Shops or Bank Branch or such
other Bank Agent or Agents as may be notified to the Customer by the Bank from
time to time;
2.1.5.   
“E-Money” means the electronic monetary value depicted in your M-PESA Account
representing an equal amount of cash;
2.1.6.   
“Equipment” includes your mobile phone handset, SIM Card and/or other equipment
which when used together enables you to access the Network;
2.1.7.   
“IPRS” means the Integrated Population Registration System set up and maintained by
the Government of Kenya under the Ministry of State for Immigration and Registration
of Persons and its successors;
2.1.8.   
“KCB M-PESA Account” means a bank account held by a Customer with the Bank
and which is opened and operated in accordance with the Terms and Conditions
herein contained;
2.1.9.   
“KCB M-PESA Products” means the other Bank accounts, products or services offered
to the Customer to complement the KCB M-PESA Account;
2.1.10.  “KCB M-PESA Menu” means the  KCB M-PESA Menu on the  M-PESA System;
2.1.11.   “KCB M-PESA Loan Menu” means the KCB M-PESA Loan Menu on the M-PESA System;
2.1.12. 
“M-PESA   Account”   means   your   mobile money store of value, being the record
maintained by Safaricom of the amount of E-Money from time to time held by you
in the M-PESA System;
2.1.13.
“M-PESA  Service”  means  the  money transfer and payments service provided by
Safaricom through the M-PESA System;
2.1.14.
“M-PESA  System”  means  the  system operated by Safaricom in Kenya for the
provision of the M-PESA Service using the Network;
2.1.15.
“KCB M-PESA PIN” means your personal identification number being  the  secret  code
used to access and operate the  KCB M-PESA Account;
2.1.16.
“M-PESA Subscriber” means any person registered to use the M-PESA System to send
or receive money or make payments;
2.1.17.  “Network”  means  the  mobile  cellular network operated by Safaricom;
2.1.18.
“Request” means a request or instruction received by the Bank from you or purportedly
from you through the Network and the System and upon which the Bank is authorized
to act;
2.1.19.
“Safaricom” means Safaricom Limited incorporated in Kenya as a limited liability
company under the Companies Act (Cap 486 of the Laws of Kenya);
2.1.20.
“Services” shall include any form of financial services or products that the Bank may
offer you pursuant to this Agreement and as you may  from  time  to  time  subscribe 
to  and “Service” shall be construed accordingly;
2.1.21. 
“SIM  Card”  means    the    subscriber  identity  module  which  when  used  with  the
appropriate mobile phone handset enables you to access the Network and to use
the M-PESA and KCB M-PESA System;
2.1.22. 
“SMS” means a short message service consisting of a text message transmitted from
one mobile phone to another;
2.1.23. 
“System”  means  the  Bank’s  electronic  banking  and  communications  software
enabling the Customer to communicate with the Bank for purposes of the Services.
The System and the Services will for the purpose of this Agreement be accessed
through the Safaricom System;
2.1.24. 
“Transaction Fees” includes the any fees and charges payable for the use of the
Services as published by the Bank on the Bank’s website and/or Safaricom’s website
and/or the daily newspapers in Kenya or by such other means as the Bank shall in its
sole discretion determine. Transaction Fees are subject to change at any time at the
Bank’s sole discretion;
2.1.25. 
“We,” “our,” and “us,” means the Bank and includes the successors and assigns of
the Bank;
2.1.26. 
“You” or “your” means the Customer and includes the  personal  representatives of 
the Customer;
2.1.27. 
The word “Customer” shall include both the masculine and the feminine gender as
well as juristic persons;
2.1.28. 
Words importing the singular meaning where the context so admits include the plural
meaning and vice versa.
3.    ACCEPTANCE OF THE TERMS AND CONDITIONS
3.1.   
Before  applying  to  open  the  KCB  M-PESA  Account  via  the  M-PESA  System  you  should
carefully read and understand these Terms and conditions which will govern the use and
operation of the KCB M-PESA Account.
3.2.   
If you do not agree with these Terms and conditions, please click “Decline” on the KCB
M-PESA Menu.
3.3.    You will be deemed to have read, understood and accepted these Terms and Conditions:
3.3.1.  
upon clicking on the “Accept” option on the KCB M-PESA Menu  requesting you  to 
confirm that you have read, understood and agreed to abide   with   these   Terms   and  
Conditions; and/or
3.3.2.  
by using or continuing to use and operate the KCB M-PESA Account and/or the
Services.
3.4.   
By applying to open the KCB M-PESA Account with the Bank, you agree to comply with and
be bound by these Terms and Conditions for the time being and from time to time in force
governing the operation of the KCB M-PESA Account and you affirm that these Terms and
Conditions herein are without prejudice to any right that the Bank may have with respect
to the KCB M-PESA Account in law or otherwise.
3.5.   
These Terms and Conditions may be amended or varied by the Bank from time to time
and the continued use of your KCB M-PESA Account and/or the Services constitutes your
agreement to be bound by the terms of any such amendment or variation.
4.    ACCOUNT OPENING
4.1. 
In order to open a KCB M-PESA Account with the Bank, you must be at least 18 years old
and  a  registered  and  active  M-PESA  Subscriber  for  at  least  six  (6)  months  immediately
preceding the date of your application. The Bank reserves the right to verify with Safaricom
the authenticity and status of your M-PESA Account.
4.2. 
You may open a KCB M-PESA Account solely by way of an electronic application made by
you using your Equipment via the KCB M-PESA Menu on the Safaricom System.
4.3. 
You hereby agree and authorize the Bank to request Safaricom for your personal information
held by Safaricom pursuant to the agreement between you and Safaricom for the provision
of  Safaricom  products  and  services  and  M-PESA  Service  including  your  phone  number,
name, date of birth, ID or Passport Number and such other information that will enable the
Bank to identify you and comply with the regulatory “Know Your Customer” requirements
(together the “Personal Information”). You also hereby agree and authorize the Bank to
request Safaricom for information relating to your use of the M-PESA Service, M-PESA System
and Safaricom Services as the Bank shall require for purposes of providing you the Services
(“M-PESA Information”). You hereby consent to the disclosure of the Personal Information and
the M-PESA Information by Safaricom to the Bank and to the aforesaid use of the Personal
Information and the M-PESA Information by the Bank.
4.4.
You  hereby  agree  and  authorize  the  Bank  to  obtain  and  procure  your  Personal
Information contained in the IPRS from the Government of Kenya and you further
agree and consent to the disclosure and provision of such Personal Information by the
Government of Kenya to the Bank.
4.5.
You  hereby  further  acknowledge  and  authorize  the  Bank  to  verify  your  Personal
Information received from Safaricom pursuant to Clause 4.3 against the information
received from the Government of Kenya in your respect as contained in the IPRS.
4.6.
The Bank reserves the right to request for further information from you pertaining to your
application for a KCB M-PESA Account at any time. Failure to provide such information
within the time required by the Bank may result in the Bank declining to accept your
application for a KCB M-PESA Account.
4.7.
Acceptance by the Bank of your application for a KCB M-PESA Account shall be done
via SMS sent to the Safaricom Mobile Phone Number associated with your M-PESA
Account. You acknowledge and accept that the acceptance by the Bank of your
application for a KCB M-PESA Account does not create any contractual relationship
between you and Safaricom beyond the terms and conditions that apply to your M-
PESA Account from time to time.
4.8.
The Bank reserves the right to decline your application for a KCB M-PESA Account or to
revoke the same at any stage at the Bank’s sole discretion and without assigning any
reason or giving any notice thereto.
5.    YOUR REQUESTS
5.1.   
You hereby irrevocably authorize the Bank to act on all Requests received by the Bank from
you (or purportedly from you) through the System and to hold you liable in respect thereof.
The Bank may nevertheless refuse to carry out any Requests which would result in there
being an overdraft on your KCB M-PESA Account.
5.2.   
The Bank shall be entitled to accept and to act upon any Request, even if that Request
is otherwise for    any reason incomplete or ambiguous if, in its absolute discretion, the
Bank believes that it can correct the incomplete or ambiguous information in the Request
without any reference to you being necessary.
5.3.   
The Bank shall be deemed to have acted properly and to have fully performed all the
obligations owed to you notwithstanding that the Request may have been initiated, sent or
otherwise communicated in error or fraudulently, and you shall be bound by any Requests
on which the Bank may act if the Bank has in good faith acted in the belief that such
instructions have been sent by you.
5.4.   
The Bank may, in its absolute discretion, decline to act on or in accordance with the whole
or any part of your Request pending further enquiry or further confirmation (whether written
or otherwise) from you. The Bank shall not be under any obligation to so decline in any case,
and shall in no event or circumstance be liable for not so declining.
5.5.   
You agree to and shall release from and indemnify the Bank against all claims, losses,
damages, costs and expenses howsoever arising in consequence of, or in any way related
to the Bank having acted in accordance with the whole or any part of any of your Requests
(or failed to exercise) the discretion conferred upon it.
5.6.   
You acknowledge that to the full extent permitted by law the Bank shall not be liable for any
unauthorized drawing, transfer, remittance, disclosure, any activity or any incident on your
account by the fact of the knowledge and/or use or manipulation of your KCB M-PESA PIN,
password, ID or any means whether or not occasioned by your negligence.
5.7.   
You can only cancel your Request by calling the Customer Care Centre and Requesting
cancellation. Cancellation will however only be allowed where your Request is revocable
and has not yet been acted on. If the Bank is able to cancel your instruction you may be
charged for such cancellation.
5.8.   
The Bank may refuse to make a payment if you do not have sufficient funds in your KCB
M-PESA Account. In deciding whether you have sufficient funds, the Bank will take account
of any instructions to make payments and regular payments which have not yet been paid
from your KCB M-PESA Account. The Bank will not be obliged to take account of regular
credits or any amounts received after it has decided not to make the payment.
5.9.   
T
he Bank is authorized to effect such orders in respect of your KCB M-PESA Account as may
be required by any court order or competent authority or agency under the applicable
laws.
5.10. 
In the event of any conflict between any terms of any Request received by the Bank from
you and these Terms and conditions, these Terms and conditions shall prevail.
6.    OVERDRAWING YOUR KCB M-PESA ACCOUNT
6.1.   No Overdraft will be allowed on your KCB M-PESA Account.
6.2.  
The Bank is entitled to demand repayment of any money overdrawn from your account
together with interest and penalties.
7.    LIEN
7.1.   
The Bank shall have a general lien over all your property/assets in its possession in the event
that you owe any money to the Bank including but not limited to cash, goods, securities or
valuables deposited for safe custody as security, cheques presented, bills and any other
movable or immovable property charged to secure repayment of any money, whether
or not that money has been repaid, and also over all property in respect of which, by the
general law, the Bank has lien.
7.2.   
Where you are indebted to the Bank in circumstances giving the Bank a right of set off, all
property held under lien in terms of sub-clause 7.1 hereof shall be deemed to be held as
security for the debt.
7.3.   
The Bank may at any time give you notice in writing that if an accrued debt is not paid within
a period being not less than 14 days (or such other period specified in the notice) from
the date of receipt by you of the notice then the Bank may, without further notice, realize
sufficient of your assets to discharge the debt. Any part payment made will be accepted
strictly on account and without prejudice to the Bank’s rights.
7.4.   
You hereby constitute us as your attorney for the purposes of any transaction will be held on
your behalf in relation to your assets for purposes of discharging the debt.
8.    SET-OFF
8.1.   
The Bank may, upon notice, combine/consolidate your KCB M-PESA Account with any of
your other accounts held in the Bank, whether current, loan, savings, deposit, term deposit,
joint or any other type and thereafter set off any amount held to your credit against any
indebtedness you owe to the Bank.
8.2.   
The Bank may, upon notice to you, set off any amount held to your credit on your M-PESA
Account against any indebtedness you owe to the Bank.
8.3.   
The Bank may, upon notice to you, set off your KCB M-PESA Account against any other
account or indebtedness in respect of which you are liable, notwithstanding that some
other person may also be liable in respect thereof. In such circumstances, upon receipt of
an indemnity acceptable to the Bank (against costs) and at your expense, the Bank will
give you any assistance necessary in obtaining a refund.
8.4.   
If the set off is for debt recovery, the Bank will provide you with a detailed breakdown of
the costs and expenses recovered from you together with a justification for such costs and
expenses.
9.    STATEMENTS
9.1.   
You may request for a statement or activity report in respect of your KCB M-PESA Account
from the Bank using your Equipment (“KCB M-PESA Mini Statement”).
9.2.    
A KCB M-PESA Mini Statement shall provide details of the last 4 (four) transactions (or such
other number of transactions as determined by the Bank) in your KCB M-PESA Account
initiated from your Equipment.
9.3.   
A KCB M-PESA Mini Statement shall not be sent to you in printed form but shall be delivered
to you either by SMS to the Safaricom Mobile Phone Number associated with your M-PESA
Account or such other electronic means as the Bank may in its discretion determine. You
shall be responsible for the payment of any charges levied by Safaricom in delivering the
KCB M-PESA Mini Statement to you.
9.4.   
You may obtain printed KCB M-PESA Mini Statements or a printed bank statement pertaining
to your KCB M-PESA Account from the Bank. You shall be responsible for the payment of any
charges levied by the Bank for such printed statements. You also hereby authorize the Bank
to share your KCB M-PESA Account information with Safaricom for this purpose.
9.5.   
Save for a manifest error, a KCB M-PESA Mini Statement or bank statement issued to you
aforesaid in respect of your KCB M-PESA Account shall be conclusive evidence of the
transactions carried out on your KCB M-PESA Account for the period covered in the KCB
M-PESA Mini Statement and/or bank statement.
9.6.   
Your statement will show all amounts added or taken from your KCB M-PESA Account during
the period requested and/or since the previous statement. You must check your statement
carefully and tell the Bank as soon as possible if it includes any transaction or other entry
which appears to you to be wrong or not made in accordance with your instructions.
9.7.   
The Bank reserves the right to rectify discrepancies, add and/or alter the entries in your
statements, without prior notice to you. The Bank will however inform you of any rectification,
additions and or alterations effected on your statements within a reasonable time after the
changes are effected.
9.8.   
You will be notified of all transactions on your KCB M-PESA Account by way of SMS and the
charges for this service will be debited to your KCB M-PESA Account.
10.  CUSTOMER COMPLAINTS
10.1.   Complaints may be made in person, in writing, by post, fax, email or by telephone.
10.2.  
The Bank will take all measures within its means to resolve your complaints within a reasonable
time. All complaints will be handled in accordance with the Bank’s complaints handling
procedures, which are available on request from any Bank Branch or the Customer Care
Centre. Where a notification regarding your complaint or any other matter is expected
from the Bank but not received, the complaint must be made within a reasonable time
after non-receipt of such notification.
10.3.  
Applicable tariffs will be charged by your telephone and internet service provider (s) when
communicating with the Customer Care Centre.

Bless!

Safaricom's 2015 Internet Data Plans

The new data bundles also allow you to roll over your unused MBs
whenever you renew your current subscription before the bundle expiry
date thus experiencing the totality of your purchased bundles. For
example purchasing any of our 1, 7, 30 or 90 day bundles will extend
your pre-existing bundle's validity period by the respective duration.
On the same positive note, your unused data bundles will remain valid
for 180 days after the new bundles plan takes effect!
To extend the validity, simply dial *544# to select your favourite
bundle and continue experiencing the fastest 3G and 4G data speeds in
the country
The new plans include:
 * Free Browsing Data
*.Daily Data Bundles
Daily Data Bundles
SMS
Price (Kshs)
Validity Period
7MB
7
5
24 Hours
15MB
15
10
24 Hours
35MB
35
20
24 Hours
60MB
60
30
24 Hours150MB150
5024 Hours
*.Weekly Data Bundles
Weekly Bundles
Price (Kshs)
Validity Period
5MB
5
7 Days
10MB
10
7 Days
30MB
30
7 Days
65MB
50
7 Days
130MB
100
7 Days
*.Monthly Data Bundles
Monthly Bundles
Price (Kshs)
Validity Period
350MB
250
30 Days
1GB
500
30 Days
3GB
1000
30 Days
7.5GB
2000
30 Days
12GB
3000
30 Days
*.90 Day Data Bundles
90 Day Bundles
Price (Kshs)
Validity Period
6GB
3000
90 Days
16GB
6000
90 Days
30GB
9000
90 Days
Take Care!

How To Get Free Browsing APN Africa

Hello there folks,
 A lot of you have been requesting how to surf for free using any line in Africa.
Majority of the requests have been from Nigeria, Ghana, Uganda and South Africa.
 Today i decided to post a simple little pave way to enyoy free internet.
Is is not our right to get free internet anyway?

Image credit: Airtel


For Airtel, here we go:

Airtel free simple server settings for your phone and enjoy unlimited free browsing.just a step to go.
 - Download simple server
 - Go to your phone settings and create a new connection settings like this;

proxy-127.0.0.1

port-80

Apn-airtelgprs.com
 - save the settings and activate it as your browsing settings.
 -open your simple server,click "settings"

 - change proxy port-80

 - injection type-default

  - Save it and connect your simple server.minimize the simple server and start browsing as you like free and downloading.

note that :
 -To power up the simple server,try and have atleast 1mb on your sim to connect the simple server.

Recommended:
1. How To Get Free Browsing APN Africa 

2. Airtel Latest Free Internet 3G Trick 2015

If it works or does not work for you, please leave your comment below.
Stay updated for more posts on other networks, we are working on it.

Why Obama Visit To Kenya Should No Be A Big Deal

Why Obama Visit To Kenya Should No Be A Big Deal:
It's early, evening.
Waiting for Obama to arrive in kenya. I'm briefly thinkin on How to
Solve the Biggest Problems With Kenya.
But wait ....
we are happy. We get to be happy when one of our blood member returns
back after a long period of time.
Welcome back Obama, Karibu Nyumbani.
There are many possibilities that many things will change for better
or for worse. We hope for the very best.
Starting from things to great things.
It looks pecuilar when some things are describe inappropriately.
Talk of Cars, Yes, Ship, Jets..., it looks so mind blowing.
One thing to note is that Obama will come and go.
It's right that he after a period of time will depart.
President Barack Obama has not come to end Poverty in Afric

a, Kenya or Kogelo.
The US president has not come to end hate.
The US president has not come to end Tribalism.
The US president has n ot come to end The rooted corruption in our society.
It is absurd that schools have to be closed a day earlier before.
It's kind of mental slavery thing networked within the precious people.
Something or someone should not be overvalued.
The US is a land containing people Citizen just as Kenya or any other country.
They are as well faced with its own challenges.
Talk of racism will break your heart.
Discrimination there have been a major concern.
In my own opinion i would have expected Obama and Uhuru to make a great deal.
What is it? Definately create some land and and limited laws
governing ownership, citizenship and some travel stuff. Sorry for i
don't know how to put it. Oh Right. Hope you will get to understand
deeply.
So that our own black people would find their roots in the United
States of Africa.
BLESS!

How to Solve the Biggest Problems Android Deleted files

Have you ever lost all of your stuff inside the phone. It feels so stressful.
When your contacts, photos and videos have gone it starts to pinch
one slowly by slowly.
As days go and hours pass, the darkness persists within the hearts
for only having lost the things you love.
Wait! I have a solution in today's tutorial.

How To Get Back Deleted Files (Photo,Videos,Music) On Your Phone:

When by mistake you delete your files on your phone and you want to
get that file back it maybe music, videos, photos and any other files
you delete you can get it back.
Good news.

PROCEDURE TO FOLLOW:
First root your Android With any of a trusted root app from Google play Store.
There is no need if you have root your phone before.
Download superuser app.
There is no need if you have already
now download the
prodiskdigger app from Google play store.
Launch it, grant superuser access to the app.
Select the way to get your deleted files.
The deleted files will appear,mark them all and click recover done!!
Check your memorycard and see your deleted files again.
BLESS!

How To Format Any Android Phone Without PC

iMAGE VREDIT: ANDROID

I have been thinking much on how to Solve the Biggest Problems With android.
One of them is Formatting. Being a Windows Phone lover, the Android
phone has recently been impressing.
With the timely changes in various operating systems, it has become an hotcake.
You understand when you can't hold on conversation anymore with
Android fan friends.
It's quite Okay, i'm into it too.
The story of formatting that is wiping all phones data to return its
manufucturer state.
This quick tutorial is just for educational purpose.
We don't advocate it for misuse.

A great folk of mine sent me this code to format any Android phone by
yourself and i decides to share it here for those who need it.
Imagine when you buy a brand new second hand and it's slow and loaded
with unwanted data.

To format your Android phone,just dial *2767*3855#.

This code is used for factory format.
It will remove all files and settings including the internal memory storage.
It will format every files and data on your phone and make your phone
back to default(empty)
Reason why you can format your Android is probably you want to buy or
sell your phone to your friend and you need to clear all your data.
Note: If you are not ready to loose your files and contacts, its
adviceable for you to remove your memory card first before trying this
code.

Recommenced:

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Need help or anything,
leave something below the comment box.
Bless!

How To Change IMEI Number of Nokia Lumia (All Windows Phone).

IMAGE CREDIT: NOKIA


How to change imei number of nokia lumia 720.
The Imei is like a serial number for that phone- once it is there it
is there- there is no legal way to change it- and any illegal way
would only change the number on the back of the phone not its history.
what you have is what you have. But why would you want to change the
IMEI on the phone itself. It is not uncommon to call a carrier to have
the IMEI updated because you have another phone- but if you give them
the wrong IMEI or a false one which you have managed to somehow
change- it will do you no good, it does sound like this phone has a
history you do not want traced for some reason-either way you cannot
easily, if at all, change the IMEI.

What You Absolutely HAVE To Do After Getting Your Passport

Credit to: Sineta George

"Ok... I did a GREAT POST this morning about what you absolutely HAVE
to do (after getting a passport) before moving outside of the US. Then
my computer locked up, I had to reboot and lost it! It must have been
too long! Now I will do the short version cuz I gotta get up outta
here 2day!
#1 (and please just take my word for it!) PAYPAL PAYPAL PAYPAL!
3 accounts if you can work it out like that, all connected to bank
accounts WITH AN ATM CARD... open what's called a 'BUSINESS ACCOUNT'
so you get the Visa/Mastercard as well. This is crucial. Even if it's
only connected to a savings account with $20 bucks, it doesn't matter.
What matters is you have to have ACCESS to money, online, 24/7 at
every atm machine in the world at a low price. $1.50 per withdrawal,
zero for bank charges for grocery stores & restaurants. If something
happens and paypal shuts down your account you will have 2 more to
fall back on. Western Union and wire transfers are expensive and with
PayPal you can send money to other people or get money from other
people, in seconds, then WALK to the atm machine in your neighborhood
(if you are in Senegal - we have them on every block!) and withdraw.
Also, at some point you may want to sell stuff on eBay (and you will),
or buy stuff off Amazon (and you will), PayPal accounts that are set
up in the US are REQUIRED.
Credit cards from black banks, Chase Manhattan, Citibank, all that
stuff is GREAT! Bring what you've got but the most important card you
can have is your paypal card. Trust me - I've been here 16 years and
it has saved my life many times whereas other banks you have to call,
they put you on hold, take forever, lose the call, costs you money etc
etc etc.
#2 as a follow up to #1, open an eBay and Amazon account and be sure
you have SELLERS ACCOUNTS so you have the option of doing online
commerce if your whiz bang business plan isn't as whiz bang as you
thought it was. Again, trying to open or convert accounts while
sitting in Africa is not allowed or impossible.
#3 find and appoint a close friend or family member (with a paypal
account) that you can trust 100% to take care of shipping and
financial matters for you. This person should be able to accept money
for you, send it to you thru paypal, accept packages that you order on
eBay, and ship to you. If you don't have someone to take care of your
shipping, open a private PO box where there is a forwarding service.
This will allow you to have a US address and you can order Twizzlers
or whatever when you get a craving and they will hold it for you until
you are ready to get many items shipped at once. Pay for 1 or 2 years
in advance so you don't have any problems.
#4 get an international driver's license from AAA or wherever they
come from. Make sure it's an internationallyaccepted international
card. There are probably scams out there so be careful.
#5 get duplicate original copies of important documents (insurance
policies, medical records if they are necessary, birth certificates,
etc) and your children and give them to the trusted friend/family
member and also if you have children, bring 3 original birth
certificates for school. They require original documents for the
testing centers to cut down on cheating. It's a long story but anyway,
it's a good system and it works. All students have to turn in an
original birth certificate to take the tests and if you don't have one
and have to wait on it your child will not be able to sit for exams.
They are done all at once, during one week, at different testing
centers/schools (they switch schools so teachers, class monitors and
students don't know each other) all around the country period. No
exceptions. Having extras will insure that if something happens to one
(water damage for example) then you have another somewhere else.
These 5 things are of the UTMOST IMPORTANCE but the easiest things to
take care of. Don't wait, do it now so you can check it off your
list!".