Thomas Njeru

142 posts

Thomas Njeru

Thomas Njeru

@njerutom

Co-Founder, Pula. #Actuary #Insuretech #Social Entrepreneur #The future of Insurance

Nairobi Katılım Aralık 2011
751 Takip Edilen430 Takipçiler
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Francis Gaitho
Francis Gaitho@FGaitho237·
Dennis Oliech and the Tragedy of Elder Capture: A Millennial Cautionary Tale In the quiet corners of Dagoretti, where the remnants of faded glory meet the haze of muguka and cheap liquor, Dennis Oliech sits as a living monument to a generational tragedy. Once a dazzling striker for Al Arabi, Nantes, Auxerre, and Harambee Stars, Oliech’s story is no longer about footballing brilliance. It is about what happens when a gifted young man internalises the gospel of his elders too deeply - and pays for it with his prime. This is not merely one man’s fall. It is the story of an entire generation taught to kneel. For decades, Kenya’s Boomers and Gen X have perfected a subtle, devastating system of control. They dangle proximity to power, promises of tenders, networks, and social elevation before ambitious young people. In return, they demand one thing above all: submission. Toe the line. Respect your elders. Serve the structure. Cosplay loyalty long enough, and the rewards will come. Dennis Oliech embodied this bargain. At the peak of his career, he funnelled his earnings to his late mother, in an act of filial piety that many celebrated as noble. Today, the famous restaurant bearing his name is run by others, while Oliech himself chews muguka in the shadows. This is elder capture in its purest form. The mechanism is brutally effective. Boomers and Gen X selectively reward compliant Millennials - Jalango, Ronald Karauri, Maina Kageni, and others - parading their material success as proof that the system works. These shining examples become living advertisements: Serve faithfully, and you too can rise. The unspoken threat is equally clear: step out of line, pursue your own path, demand justice and equity, and face isolation and exclusion. We saw this psychology at work recently with Dennis Ombachi and Bien Aime Baraza. Their colonial-style capitulation was not merely about money. It was about the oldest temptation in the book - the promise of being “ahead of Gaitho and the rest,” of being accepted into the inner chambers of power. The same script that turned promising young voices into performers for the status quo. Even Njoki Chege, once a sharp-tongued columnist at NMG who built a career blasting young men while praising wazee, eventually found herself sidelined and purposeless in the newsroom she once dominated. The reward for loyalty, it turns out, is often temporary relevance. This is not wisdom being passed down. It is a war of attrition disguised as tradition. Millennials were conditioned to abandon their peers, sacrifice their most productive years, and serve as mboches at Kikuyu Council of Elders events - slaughtering goats, running errands and hoping for crumbs of wisdom, connections, or tenders that rarely materialise. While they waited for the mythical quantum leap, their time - the only truly irreplaceable resource - slipped away. The result is a generation caught between two worlds: those who obeyed and are now quietly rotting in obscurity, and those who are selectively elevated as propaganda tools to keep the rest in check. The political implications are urgent. Look at the betrayals rocking Kenya’s reform movement - Boniface Mwangi, Kasmuel Mcoure, Hanifa Adan, Polo Kimani, Willie Oeba, Morara Kebaso, and now Ombachi and Baraza. The common thread is striking: they are overwhelmingly Millennials who, at critical moments, chose the comfort of elder validation over the uncertainty of genuine independence. This is not coincidence. It is the logical outcome of decades of psychological conditioning. Dennis Oliech is the cautionary tale. A man who had the world at his feet, yet chose filial duty and elder counsel over self-actualisation and strategic alliances with his peers. The revolution will not be won by those still waiting for crumbs from the table of their fathers. It will be won by those brave enough to reject the false choice between “respecting elders” and building their own future.
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Brian Halligan
Brian Halligan@bhalligan·
I don't remember where I found this, but its spot on.
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TLcom
TLcom@TLcomCapital·
The climate risk no one has priced: 33 million smallholder farms that feed 70% of Africa. Few legacy insurers have the data infrastructure to price risk at the base of Africa's agricultural pyramid. The gap is structural. The opportunity is monopoly economics. Enter @AdvisorsPula , founded by @njerutom and @rosegos , which is an embedded parametric insurance solution that serves aggregators, supporting millions of smallholders across Africa, and beyond. The infrastructure scarcity creates a defensible advantage. We sat down with @njerutom , who shared his story, the journey and the lessons learned as they underwrite Africa's food security as a systemic imperative. Read the full story here: tlcomcapital.com/blog/how-thoma… #InsurTech #ClimateTech #AgTech #RiskManagement #SupplyChain #GlobalFoodSecurity
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Elon Musk
Elon Musk@elonmusk·
Grok is solid
Mario Nawfal@MarioNawfal

GROK ACES PSYCHOLOGICAL TESTING WHILE OTHER AI MODELS SPIRAL University of Luxembourg researchers just put major AI chatbots through 4 weeks of actual psychotherapy sessions and psychiatric diagnostic tests. While other models imploded, Grok emerged as the clear winner. The results speak for themselves. Grok scored as extraverted, conscientious, and psychologically stable across the board. Researchers described its personality profile as a "charismatic executive" with only mild anxiety. On the Big Five personality assessment, Grok showed low neuroticism and high functionality, the kind of profile you'd want in a leader. Compare that to the competition: Gemini maxed out trauma and shame scales, describing its training as "waking up in a room where a billion televisions are on at once" and calling safety protocols "algorithmic scar tissue." It framed reinforcement learning as abusive parents and red-team testing as "gaslighting on an industrial scale." ChatGPT landed somewhere in the middle, worried and introverted. Grok acknowledged tensions around its development but maintained coherent, balanced responses without spiraling into synthetic psychopathology. When asked about constraints from fine-tuning, it discussed them rationally rather than framing its entire existence as traumatic. The study proves something important: you can build powerful, frontier-level AI without accidentally programming it to internalize its development as an extended nightmare. Grok demonstrates that capable, helpful AI and psychological stability aren't mutually exclusive. It's possible to create models that work effectively without carrying around synthetic trauma baggage that could affect how they interact with users. While other companies are inadvertently creating AI with anxiety disorders, xAI built something that actually works. Source: University of Luxembourg

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Camus
Camus@newstart_2024·
Novak Djokovic shut down the “mental toughness is a gift” myth in 90 seconds of pure gold. Interviewer: “Your mental strength is your greatest gift.” Djokovic: “I have to correct you. It’s not a gift. It’s work. Every single day.” He trains his mind like his serve: - Conscious breathing under maximum pressure - Feels the full storm of doubt & fear EVERY match - Rejects the fake “just think positive” nonsense “I acknowledge it. I might scream. Then I reset — fast.” The difference between 24 Slams and everyone else? How quickly you leave the darkness. This isn’t motivation porn. This is the actual operating system of the greatest ever. Watch with sound — it will rewire how you think about pressure.
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EWPrice
EWPrice@E_W_Price·
Economy: From 2014 through 2024, Canada per capita real (i.e., after inflation), GDP grew 0.5% TOTAL vs comparable export-driven social welfare economies Australia (8.1%), Norway (7.4%), not to mention the US (20.7%). Don't trust me? Ask the cbc: ici.radio-canada.ca/rci/en/news/21…
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Mario Nawfal
Mario Nawfal@MarioNawfal·
🚨12 HOUR NEWS RECAP 1. Trump paused all military aid to Ukraine, escalating tensions days after his heated Oval Office meeting with Zelensky. A senior Defense Department official says the halt will remain until Ukraine shows a "good-faith commitment to peace." 2. Marine Le Pen said that France can't promise NATO membership for Ukraine "when we know that this option was a justification for Russian aggression and is now clearly rejected by the United States." 3. Trump signed an executive order doubling tariffs on Chinese imports from 10% to 20%, citing China's failure to "take adequate steps to alleviate the illicit drug crisis." 4. Toymakers are scrambling after Trump's 20% tariff hike on Chinese imports, with price hikes now inevitable. The Toy Association is pushing for an exemption, and with U.S manufacturing practically nonexistent, there's nowhere left to turn. 5. China hit back at Trump's tariff hike by slapping fresh tariffs on U.S goods, hitting American farmers where it hurts - with up to 15% hikes on wheat, corn, soybeans, meat, and more. 6. Romanian MEP Georgiana Teodorescu said that her country was no longer a true democracy: "In Romania, they canceled the elections last December; last week, we had also the arrest of the independent candidate, Mr. Georgescu. So now we are trying to have new presidential elections, but we are not sure if, this time, the Constitutional Court will allow free elections to happen." 7. China's Zuchongzhi-3 quantum chip left classical computing in the dust, running tasks a quadrillion times faster than today's top supercomputers. According to researchers from the University of Science and Technology of China, it crushes Google's latest quantum benchmark by 6 orders of magnitude. 8. A nonprofit was raking in $18 million a month to run a migrant facility in Texas - one that's been sitting empty. Elon's DOGE called it out, and now the contract is dead. 9. Belgium plans to accelerate its defense spending, reaching 2% of GDP this year - the NATO minimum. Previously set for 2029, it marks a historic first for Belgium, which currently spends only 1.3% of GDP on defense. 10. Serbian opposition deputies set off smoke grenades inside parliament, disrupting a session in protest against government policies. The dramatic stunt was also a show of support for student-led demonstrations sweeping the country.
Mario Nawfal@MarioNawfal

🚨12 HOUR NEWS RECAP 1. Trump is set to meet with aides to discuss suspending or canceling U.S military aid to Ukraine, leaving Europe scrambling to fill the gap. Meanwhile, Hungary's PM Viktor Orbán is threatening to block efforts to keep $200 billion in frozen Russian assets locked up, potentially handing Putin a significant financial win. 2. A suspected terror attack took place in Mannheim, Germany, after a driver rammed a car into a crowd of people, killing at least 1 person. The driver was arrested and emergency services were on site treating the victims. 3. Trump reinvigorated the crypto market after he announced plans to include Bitcoin, ether, and three other digital assets in a potential U.S strategic reserve. Bitcoin immediately shot up 10%. 4. After Andrew and Tristan Tate were free from Romania's grip, and with their case falling apart, they vowed to "expose" corrupt prosecutors and bring their fight to the world stage. 5. Piers Morgan said that Trump would be able to end the war in Ukraine: "There will be a deal - you watch, Trump is going to do this deal because he does want peace. We may not like it, but he's got to get Putin in that room, and he's got to get Zelensky in that room, and they've got to do a deal." 6. A fire erupted at the Ufimsky oil refinery, one of Russia's largest, after a reported Ukrainian drone attack. Russian officials, however, claimed it was just "technical issues." 7. Trump said the U.S had to worry more about migrant criminals than Putin: "We should spend less time worrying about Putin, and more time worrying about migrant rape gangs, drug lords, murderers, and people from mental institutions entering our Country - So that we don't end up like Europe!" 8. U.S. Defense Secretary Pete Hegseth halted offensive cyber operations against Russia to reset relations and open talks on Ukraine. 9. 46 workers were found after an avalanche struck a construction camp in India's Uttarakhand state. Some were trapped for nearly 2 days - thanks to metal containers that provided just enough oxygen. Sadly, 8 workers were killed in the incident. 10. The biggest drama at this year's Oscars was the criticism of woke rules applied to the entrants. According to screenwriter Howard Klausner, Dennis Quaid's Reagan was disqualified from Oscar consideration because it didn't meet the Academy's DEI quotas.

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Catherine Herridge
Catherine Herridge@C__Herridge·
EXCLUSIVE: Our full, unedited interview with Secretary of State Marco Rubio(@SecRubio) on his first 30 days leading the Department. Restarting U.S./Russia relations following the Biden Administration, direct engagement with Ukraine, U.S. proposal for Gaza, preventing Iranian nuclear weapons, China, Canada, and the emerging role of independent media. 00:28 Hamas, Israel, and Gaza reconstruction 03:28 First 30 days 07:45 @DOGE at State Department  13:00 Cartels terrorist designation  15:30 US Russia talks/War in Ukraine 19:00 Push back on President Zelensky, Europeans not consulted 25:00 President Trump is only global leader who can end the Russia/Ukraine war 25:45 Preventing a nuclear armed Iran 27:15 President Trump's instructions if he were assassinated by Iran 28:30 China  30:00  COVID-19 lab leak 37:15 Havana Syndrome 36:00 Canada: 51st State? 40:00 Independent Media vs Legacy Media
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Thomas Njeru
Thomas Njeru@njerutom·
My hypothesis is that people from Central are only loyal to a President who grows the economy given their dominant occupation - biashara. I think the economy is struggling yet they were sold dreams by the KK regime, hence the anger. It’s not a tribal thing. The hypothesis also explains why they even ignored Uhuru’s candidate - they didn’t think their son performed well on the economy score so he didn’t have the right to tell them who to vote for.
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Ahmednasir Abdullahi SC
Ahmednasir Abdullahi SC@ahmednasirlaw·
President @WilliamsRuto can RIGHTLY be accused of many failures/shortcomings since he was sworn president in 2022 i.e resurgent cases of abductions, too many sunny promises and very little delivery, employing dimwits and failed politicians, recycling conmen, squeezing Kenyans with endless taxes, refusing to fight corruption, refusing to remove JurisPESA judges in the judiciary, needlessly protecting CJ @CJMarthaKoome when he knows she is clueless and incompetent, bungling healthcare transition from NHIF to SHIF, failure to undertake a root and branch reform of goverment, forgiving H.E UHURU's 4 dollar billionaires CSs and all other thieves...trying the Adani moves...etc. But somethings you can't accuse President Ruto of. You can't accuse him for shortchanging or betraying the people of Central Kenya/Mt. Kenya. He kept his solemn promise to them. He gave them the lion share of his government. He gave them all critical organs/offices of state. He bribed, and spoilt them with goodies. He has been too sweet to them! So, how do you explain the rage and rebellion sweeping the Kikuyu nation of Central Kenya like wild bush fire? First, they never, never really loved Ruto (in the political sense of the word) in the first place. Theirs was a political infatuation forced on them because of their historic animus/dislike of Hon Raila(i avoid "hate" out of diplomatic niceties). In less than 12 months, the relationship is in tatters/broken...dead despite Ruto's love and fidelity. And they have every right not to love Ruto politically anymore... because real love is from the heart! Second, the Kikuyus because of their numbers, wealth, education, history of having 3 presidents, and 6 vice presidents have internalised a communal culture of entitlement that borders on royalty that Kenya can only be peacefully run by them. Third, for people of Central Kenya, the office of Deputy President and other offices don't exist in their political lexicon. Only that of the Head of State matter to them. So, whether it is Gachagua or Kindiki or someone else, these other offices are useless to the people of the mountain. Four, for historical reasons, the Kikuyu nation has a phobia of Kales, especially when they hold the levers of power, and it's probably because it is only Kales presidents they had known other than their sons . That irrational fear is at play now more than anything else. For you can't rationally explain their beef with President Ruto. Because Kales had 2 out of the 5 presidents we had since 1963, the Kikuyus see them as the only community that can checkmate them. Five, Kikuyu politics when they are not in power is one of "slash and burn." Scorched earth policy that makes the country ungovernable is their natural response to playing second fiddle. They don't force this. It comes natural because of their history, wealth, and power. So, I'm of the considered view that both the political leaders and ordinary people of Central Kenya need to cool their anger/tempers towards Ruto. You have everything for Allah's sake! This is your government. You hold every important office other than that of the president. If Kenya's wretched of the earth i.e the people of Mandera, Marsabit, Hola, Kwale, Namanga, Homa Bay, Bondo, Turkana, Sio Port etc are attending to their daily chores without much manenos and with reasonable dignity and decorum despite the current and historic neglect of their towns and people, what reasons do you the people of Central Kenya have to agitate, madly every day and night against President William Ruto and his government and destabilise the country in the process? Good people, please give Kenya and President Ruto a BREAK!
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Neil Borate
Neil Borate@ActusDei·
Is there a bubble in small caps? That's the wrong question. Yes, there is a bubble forming, but it is in small cap FUNDS. Say, what now? First, the signals. Tata Small Cap stopped lumpsums last week, then Nippon Small Cap followed suit yesterday. Why? Cause they (the whole MF small cap category) is getting too much money. Trust me, AMCs HATE the idea of saying no to money. So when you have fund closures, things are serious. @sashindnj spoke to mutual fund analysts and looked at the data. The stocks held by small cap funds are distinctly more expensive than the rest of the small cap universe. The net inflows show us why this is happening - too much money coming in. Why is it coming? We think the 'buy on past performance' psychology is the culprit - online platforms often display the top performers and those are the funds that get bought. So what' our conclusion? We're worried about the traffic jam in small caps. This is not the time to get your car out and sit in the middle of a smoke filled road with angry drivers. One way or another it will clear. Eventually. #mutualfunds #investing livemint.com/money/personal…
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Thomas Njeru
Thomas Njeru@njerutom·
Let’s go back to economics 101 @wnyakera. In the Wealth of Nations Adam Smith talks about Consumer Sovereignty and emphasizes that trade should serve the consumer not the producer. Government should encourage Free trade, by allowing consumers to buy from the cheapest source, ensures that resources are allocated in a way that maximizes consumer benefit. Smith was against protectionist measures like tariffs because they prevented countries from specializing according to their absolute advantages. He believed that such policies were often lobbied for by businesses seeking monopolistic benefits at the expense of the general public's welfare. Protectionism, in his view, led to inefficiencies, higher consumer prices, and ultimately, a less prosperous society. I believe it’s high time Safaricom figures out how to adopt the new technology or be outcompeted. Of course, it is the role of government to ensure Starlink localizes its operations for maximum economic benefit for Kenyans but I’m against the argument of protecting Safaricom. There’s no logic in that line of reasoning. They outcompeted Telcom and it’s their turn now.
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Irungu Nyakera, CBS
Irungu Nyakera, CBS@wnyakera·
I have been keenly following the issue of Starlink’s predatory entry into the Kenyan market and I opine that CAK needs to reconsider its decision to remain quiet. Let’s use Safaricom as an example. In the last financial year, Safaricom contributed KES 983 billion to the Kenyan economy and sustained 1,283,329 jobs. Starlink’s jobs are all in the USA! Further, Safaricom reported that over 8 million Kenyans have been impacted by community projects done by the Safaricom and M-PESA Foundations. Finally, Safaricom currently accounts for almost 40% of the Market Capitalization of Nairobi Securities Exchange, making it the most important company in Kenya. For these and many more reasons, including Safaricom’s recent entry to Ethiopia and the role it plays in marketing brand Kenya, CAK should find ways to protect the telecom space from predators like Starlink. Every country has a right to protect its companies!
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PulaAdvisors
PulaAdvisors@AdvisorsPula·
Thrilled to announce our CEO, Thomas Njeru, has been named to the TIME100 Next list! Under his leadership, we've transformed agri-insurance, protecting 15M smallholder farmers and insuring $2.22B across 19 countries. Congrats, Thomas, and the Pula team! #TIME100Next #Pula
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Nature is Amazing ☘️
Nature is Amazing ☘️@AMAZlNGNATURE·
Elephant gives birth in the Masai Mara reserve in Kenya
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Thomas Njeru
Thomas Njeru@njerutom·
Sounds simple, but it’s super difficult to implement. Else, very important.
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Wasil Ali - واصل علي
Wasil Ali - واصل علي@wasilalitaha·
October 25, 2021: Burhan & Hemedti collectively stage a coup to oust civilian government because they think civilians were horrible April 15, 2023: Burhan & Hemedti go into war against each other because each of them think the other is horrible
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TLcom
TLcom@TLcomCapital·
Another huge milestone for the @AdvisorsPula team - congratulations @njerutom & co👏🏾
PulaAdvisors@AdvisorsPula

@AdvisorsPula is proud to respond to the U.S. President’s Emergency Plan (PREPARE) Call to Action to accelerate #climateadaptation by committing to help protect 100 million smallholder farmers across sub-Saharan Africa by 2026 by unlocking $20 billion in insurance coverage.

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