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The Game Plan Save at least 15% of your salary from age 25 into a 401(k) plan, an IRA, or a taxable account. Put equal amounts of that 15% into three buckets: A US total stock market index fund An international total stock market index fund A US total bond market index fund A lot of the conventional advice mentions S&P 500 instead of a total stock market index....

Areas to Consider Capital Markets The Central Depository and Settlement Corporation (CDSC) runs the Central Depository System (CDS) that facilitates holding and trading of shares at the Nairobi Stock Exchange (NSE). A Central Depository Agent (CDA) is a Stockbroker, an Investment Bank, or a Custodian Bank, who has been authorized by the CDSC to open accounts in CDS on behalf of investors. In 2006, an Automatic Trading System was introduced so that orders are matched automatically and executed by stockbrokers on a first-come first-served basis....

MSFT offers an ESPP, in which employees can buy MSFT stock at a 10% discount. There is a cap to the number of shares per employee per year in that one can do at most 15% of one’s paycheck. Selling the ESPP stock within the same year seems unwise because of short-term capital gains tax. That said, holding them increases exposure to MSFT (if MSFT does poorly, that affects one’s bonuses, and sometimes livelihood)....

Product Differentiation and Price Discrimination Product differentiation seeks to distinguish a product from a competing product to make it more attractive to a specific target market. Price discrimination occurs when the same goods/services are sold at different prices from the same company. The Captain Samuel Vimes “Boots” theory of socio-economic unfairness: the rich man who bought the high quality $50 pair of boots would still be using them in 10 years, while the poor man who buys the $10 pair would have spent $100 on boots in the same time, and still be worse off....