Zambia must salvage the sinking Anti-Corruption Commission

The “ALLEGED”, now seemingly inept and embarrassingly incompetence exhibited so far by some of the Anti-Corruption Commission (ACC) officers needs to be addressed and salvaged or the ACC risk going into oblivion and abysmal silence like the sister organization, the inconspicuous Zambian Office of the Public Protector which seems to protect or serves no one. At least they don’t tell anyone what they do apart from getting monthly salaries since the 1970s when it was established. I have covered the Public Protector’s Office in another separate article.

After 10 years of unbroken and dedicated service, I transitioned from the Public Sector into Private Sector on 1st January 2000 (Y2K) only to take a break in 2015 before venturing into the yet another World of the unknown – consultancy services. I have been in that private-sector space for more than 22 years now and I have seen enough stuff. One cardinal lesson I have picked up in work-life balance is that many institutions and people fail to read the mood of the citizens, the systems, the organizations, the institutions, the populace, the sentiments, the feelings, and the writing on the wall. On several occasions, I have seen job adverts flying out in the print and electronic media inviting applications from suitably qualified candidates for positions of Directors, Functional Heads, and Departmental Heads with job descriptions similar to what incumbent and current job holders perform. That has always been a sign of a bad omen. It is always a sign that the heads are about to roll. And Heads do roll for sure in the private sector. They do not encourage or entertain staff members to gather any moss. Many unfortunately have failed to see these signs of the times.

For the Anti-Corruption Commission (ACC), and all staff, it is high time they carried out an internal review, engage external consultants (there are many in Zambia) to take them through the frank-talk process, do a self and deep introspection, self-assessment, face facts and take a look head-on the public views and perception of the conduct of their officers, the operations and execution of their legal mandate and duties and the Zambian expectations which are very high. Times have changed. This is a social media and electronic era. News and videos and information capture, recordings, and dissemination move at a faster pace. The ACC can no longer continue to bury their heads in the sand and pretend all is well.

The Christian Bible (Zambia is a Christian Nation by constitutional declaration and proclamation) clearly confirms that those who do not use their talents and gifts prudently and efficiently will have to blame no one once their talents are taken away. ACC Officers can not continue sitting on their laurels and be complacent and think everything is business as usual. Things are no longer at ease. The Institution is going off the rails. The Dogs are lurking in the corridors. You have to speed up or be pee’d on.

Lest the ACC forgets, I shared in another separate article, that the legal provisions that outlawed corruption in independent Zambia were first contained in the penal code, CAP 146, Chapter X of the laws of Zambia. This legislation was exclusively concerned with corruption offenses by persons employed in the public sector but did not take offense with corruption transactions by or with private bodies or agents. It was therefore inadequate as far as fighting corruption is concerned. The Zambia Police Force then (now Zambia Police Service -ZPS) which was charged with the duty of enforcement was also deemed not able to adequately deal with corruption offenses. In 1980, a bill in parliament was passed that culminated in the establishment of the Anti-Corruption Commission that was going to exclusively deal with corruption cases.

Taken, the Anti-Corruption Commission (ACC) is the Agency that is mandated to spearhead the fight against Corruption in Zambia. It was established in 1980 under an Act of Parliament, the Corrupt Practices Act No. 14. The same way ACC, was established, is the same way another more effective Commission/Agency can be established with new and competent Staff to handle national matters. Take heed. There is no guarantee that incompetent staff will automatically be selected to cross over or indeed continue getting a monthly income (or obtaining money by false pretenses of working). ACC vetted Staff members to join ZRA when it was established in the early 1990s. Those found wanting under the Customs and Excise Departments under MOF were sent packing. You can also face the same fate. Nothing in this real world is guaranteed.

Look at it from this angle, just in September 2019, your colleagues, at the Drug Enforcement Commission (DEC) had submitted, (literally pleading for and begging) before the Parliamentary Select Committee on the Constitution Amendment Bill number 10 of 2019, that the name of the commission should be changed to “Anti-Drugs, Economic, Financial Crimes Agency”. DEC had noted that under article 235 (c) there is created The Anti-Financial and Economic Crimes Commission (AFECC). The name of this institution suggests it will be responsible for investigating economic and financial crimes. It is worth noting that the Anti-Money Laundering Investigations Unit (AMLIU) under the Drug Enforcement Commission enjoys the mandate to investigate some of the Financial and Economic Crimes.

It was DEC considered view that creating such an institution as prescribed under Article 235 (c) in the Constitution will result in duplicating the work undertaken by the Anti-Money Laundering Investigations Unit. DEC submitted that this suggested institution be replaced by the aforementioned Anti-Money Laundering Investigations Unit which falls under The Drug Enforcement Commission. DEC even proposed that the name of the institution be changed to “Anti-Drugs, Economic and Financial Crimes Agency.” We all know what happened to the controversial Bill 10. Subject for another day.

The other line of thought is that had the Law Enforcement Agencies (LEAs) in Zambia like ACC, DEC, ZPS, ZICTA, ZRA, been effective and robust enough to combat the respective mandated financial crimes, perhaps there would not have been any need to establish yet another commission (AFECC) especially now that the Country should be on austerity measures and ensure the prudent utilization of the scarce financial resources.

We all remember that the creation of the Zambian Financial Intelligence Centre (FIC) was partly due to the fact that the original Financial Intelligence Unit (FIU) – the AMLIU had structural and operational challenges of competently functioning under the DEC Commissioner who had to handle two ACTS/ pieces of legislation.

It may be noted that the two Commissions (ACC and DEC) and ZPS legal mandates would have simply been expanded and strengthened including being appropriately funded and supported to adequately cover other Financial Crimes being anticipated to be covered under the proposed and yet to pe operationalized AFECC.

Just in case, and so that we are all on the same page, International Compliance Association (ICA) considers the following as financial crimes: fraud, ID theft, electronic crime, electronic fraud, embezzlement, plastic money fraud, insurance fraud, Tax evasion, money laundering, terrorist financing, bribery and corruption, market abuse and insider dealing/trading, information security, etc. That unfortunately is not the case now. The rag has been pulled below the LEAs own feet. The scramble for the Financial Crimes legal mandate is real.

But as we all know Zambian Government Gazette number 1123 of 2021 dated Friday 24th September 2021 has already placed the ACC, Anti Financial and Economics Crimes Commission (AFECC), Zambia Security Intelligence Services (ZSIS), and the inconspicuous Office of the Public Protector (OPP) under the oversight of the Office of the President (Plot1). The Drug Enforcement Commission (DEC), Zambia Police Service (ZPS), and National Anti-Terrorism Centre are under the Ministry of Home Affairs and Domestic Security. FIC, ZRA, and Zambia Public Procurement Authority (ZPPA) are under the Ministry of Finance.

The coordination and consented efforts of these Institutions in the fight against the wide array of Financial Crime Risks in Zambia and the required financial support for each and every one of these many Institutions may pose real challenges in the current economic predicament the Country has found itself in.

The Fight against the scourge of grand corruption in Zambia by ACC

I shared earlier that Zambia Police Force used to handle cases of bribery and corruption in Zambia before 1980. The Zambia Police Force then (now Zambia Police Service -ZPS) was deemed not able to adequately deal with corruption offenses. In 1980, a bill in parliament was passed that culminated in the establishment of the Anti-Corruption Commission that was going to exclusively deal with corruption cases. The Anti-Corruption Commission (ACC) was established in 1980 under an Act of Parliament, the Corrupt Practices Act No. 14. The same way ACC, was established, is the same way another more effective Commission/Agency can be established with new and competent Staff to handle matters of National interest. There is no guarantee that incompetent staff will automatically be selected to cross over or indeed continue getting a monthly income (or obtaining money by false pretenses of working).

One line of thought has been that had Law Enforcement Agencies in Zambia like ACC, DEC, ZPS, ZRA, been effective and robust enough to combat the respective mandated financial crimes, perhaps there would not have been any need to establish yet another commission (AFECC). The duplicity of work if you asked me. We all remember that the creation of the Financial Intelligence Centre (FIC) was partly due to the fact that the Financial Intelligence Unit (FIU) – the AMLIU had structural and operational challenges of being under the DEC Commissioner who had to handle two ACTS/ pieces of legislation. Ms. Mary Chirwa is back at the helm of DEC, and she will need more than hope, prayers, and financial support to revamp the DEC.

It is clear that the two Commissions (ACC and DEC) and ZPS mandate would have simply been expanded and strengthened including appropriately funded and supported to adequately cover other Financial Crimes being anticipated to be covered under the proposed and yet to pe operationalized AFECC. Just in case, and so that we are all on the same page, International Compliance Association (ICA) considers the following as financial crimes: fraud, ID theft, electronic crime, electronic fraud, embezzlement, plastic money fraud, insurance fraud, Tax evasion, money laundering, terrorist financing, bribery and corruption, market abuse and insider dealing, information security, etc.

Here are practical examples of alleged corruption cases handled by ACC which have generated a lot of public interest, debate, questions, opinions, observations, concerns, and others wondering or gauging the capacity, ability, and competence of the ACC to fight the scourge.

1. In May 2019, the ACC arrested the then Minister of Infrastructure and Housing Honorable Ronald Chitotela, and charged him with one count of Concealing Property suspected of being proceeds of crime, and 8 counts of possession of property suspected to be proceeds of crime contrary to Section 71 subsection (1) of the Forfeiture of Proceeds of Crime Act Number 19 of 2010.

2. In July 2019, Minister of Housing and Infrastructure Development Ronald Chitotela and his three co-accused were acquitted by Principal Resident Magistrate David Simusamba for lack of “sufficient evidence warranting them to be put on their defense”.

3. In August 2020, the ACC investigations Officer Chipampe Manda shocked the Lusaka Court Magistrate Lameck Mwale that Honorable Minister of Health then Dr. Chitalu Chilufya did not commit any crime. Honorable Chitalu Chilufya was acquitted and has now sued ACC. The ACC is battling with that case now.

4. In December 2021, nearly two months after she forfeited millions of Kwacha and US Dollars to the State through ACC to free herself from criminal prosecution, Faith Musonda was detained on fresh allegations of having property suspected to be proceeds of crime. The initial deal was questioned by many citizens.

5. Zambians watched ACC Officers conduct and procedure, the altercations and exchange of words during the search of Amos Chanda’s residences where Amos called ACC Officers a bunch of criminals. Another officer was quoted as having been blindfolded by one Ms. Mate mate the insultant as they allegedly entered the room in reverse gears. Social media things.

6. January 2022, An officer from the Anti-Corruption Commission (ACC) Sweden Lusaka allegedly told the court that Former Special Assistant to the President for Press and Public Relations, Amos Chanda, Wife Mable, and Sister in law, Ruth Nakaundi did not physically “obstruct” him from conducting a search at Mr. Chanda’s residence in Lusaka’s Woodlands area. This was when the case was held at the scene. Note that the ACC went for the “obstruction” case instead of the Bribery and Corruption matters. In this matter, Mr. Chanda , Wife Mable, and his sister-in-law Ruth Nakaundi are facing two counts of use of “insulting language and obstruction” of ACC Officers from conducting a lawful search at his residence.

7. In January 2022, the ACC searched former Minister and Kabushi Constituency Member of Parliament Honorable Bowman Lusambo aka Die Hard Bulldozer. The ACC issued a public statement that Lusambo was being investigated for possession of “49” houses. Zambians still remember the comedy and circus surrounding the “48 Ghost Houses”. Bowman was interrogated, detained without a charge. Days later, Bowman was slapped with an offense of possession of 4 properties suspected to be proceeds of crime. What really happened to the other 45 houses? Have they grown wings like the infamous 48 ghost houses? Comedy of errors!

8. Just before we forget the Anti-Corruption Commission from 2016 to 2021, took the Nation of Zambia on an emotional roller coaster pertaining to their inept handling/mishandling of the 48 “GHOST” houses in the Chalala area of Lusaka. The November 2021 announcement by ACC that they had arrested and charged Charles Mukomena Loyana Senior Accountant at the MOF, and his wife Susan Sinkala Loyana an Assistant Accountant at the Ministry of Works and Supply with two counts of corrupt practices involving concealment and possession of property suspected to be proceeds of crime valued at over K 37 million was neither exciting nor interesting. That just brought out yet other mixed feelings and opinions of the once vibrant institution called ACC. In the first count, Mr. Loyana aged 51, and Mrs. Loyana aged 46 of House Number 2728 off Shantumbu Road, Chalala in Lusaka have both been charged with One Count of Concealment of Property suspected to be proceeds of crime contrary to section 71 Sub Section 1 of the Forfeiture of Proceeds of Crime Act No. 19 of 2010. In the second, the duo is charged with One Count of Possession of Property suspected to be proceeds of crime contrary to section 71 Sub Section 1 of the Forfeiture of Proceeds of Crime Act No. 19 of 2010. As a couple, jointly and whilst acting together with others unknown, did conceal and possess Fifty-one (51) (instead of 48) properties valued at Thirty-Seven Million, Nine Hundred and Sixteen Thousand Kwacha (K 37,916,000.00), properties reasonably suspected to be proceeds of crime.

Other high-profile corruption cases handled by ACC can be highlighted, but suffice to say that the public perception and confidence in the Institution is waning away and at a very fast rate. The ACC needs to know this, have frank talk amongst the rank and file, brainstorm, accept the unfortunate current state of affairs and implement effective measures to salvage the sinking Titanic. There are consulting firms within Zambia that can guide them through this process to move away from the current cacoon and rebrand and come out as a vibrant institution, the Zambia people expect it to be. For, now, much needs to be done.

Paying Glowing Tribute to the HeadMaster

Thursday, 23rd December 2021 – Mansa, Zambia – Paying glowing tribute, honoring and thanking the Great Man – Mr. Romanos K. Chibale – Form 1 Student, Prefect, Head Boy, Subject and Class Teacher, Senior Teacher, Deputy Head Master, and HeadMaster at the same St, Clement’s Secondary School in MANSA.

Umuntu ku mutasha ilyo achili no bumi. We need to learn, appreciate and thank fellow human beings for great things in our lives while they are still alive.

Mr. Romanos K Chibale went to and attended St, Clement’s Secondary School in Mansa in Luapula Province of Zambia from Form 1 to Form 5 during the 1970s. During his time at school, apart from his love for sports, he was also a class monitor, became a Prefect and the Head Boy (Head Prefect) at the same school.

Upon completion of his College Studies, Mr. R. K. Chibale went back to teach at St, Clement’s Secondary School as a subject and class teacher. Because of his leadership skills, he was promoted to become the Senior Teacher, the Deputy Headmaster, and eventually the Head Master of St, Clement’s Secondary School in the 1980s.

Aba ni ba real St, Clement’s Old Boys Association (SCOBA) inkonko, abakamamo na menshi! No one has beaten this record to date. A lot of us who were privileged to have been or passed through this School, and were under his tutelage will attest to many varying stories of his mode and style of teaching, mentoring, coaching, molding, administration, and shaping the destiny of many of his students, many of whom went on to excel in life in various disciplines and callings within and outside Zambia.

Now that many of us have grown up, we have come to appreciate that Mr. Chibale was merely grooming and molding personality, character, good conduct, honesty, sincerity, dedication, discipline, commitment, integrity, and other beatitudes which are all societal ingredients for responsible citizens exhibiting exemplary behaviors and conduct in real-life situations wherever our life paths have taken us in this global village. He gave us a great and solid foundation.

We also realize later in life especially after Secondary school that Teachers serve the Nation as a moral compass that activates the magnet of curiosity, knowledge, discipline, focus, wisdom in the students like you did to us, Sir. Without your relentless efforts of censuring those who loved to go out of bounds, we wouldn’t have been what we are today.

During those days of corporal punishment (we still joke about it) great teachers never tried to be the best teachers. You simply brought out the best in us, your students. We want you to know this. We owe you an incalculable debt of gratitude and we want to thank you publicly for inspiring, caring, listening, guiding, and shaping our future. Many of the students who passed through under your hand will find it difficult if not impossible to forget for making a positive impact in the lives of many whom through your actions, then, you gave wings to soar.

Recognizing the pivotal role Mr. Romanos Chibale played in many facets of our lives, we who are still alive, and the SCOBA Dudes (many are grandparents now) who left St, Clement’s Secondary School (Grade 12“M” and Grade 12”S” of 1985) came together, brainstormed, put a few resources together and on Thursday 23rd December 2021, at Teja Lodge in Mansa, gave a “small Gift”, a small token of appreciation as our symbolic modest way of saying “Thank You, Sir, For Everything”.

1. Kunda Emmanuel Katwishi Kalaba (KEKK)

2. Chisha Kanchule Chibela (Hagade)

3. Dennis Kamanda (Papa – Head boy – 1985)

4. Eng. Charles Mukamba Mukuka – Prefect

5. Eng. Linus Chanda – Prefect

6. Eng. Edward Chipampe Kawesha

7. Eng. Christopher Phiri

8. Dr. Gregory Muyeye Mululuma (Master Gee)

9. Kalusha Pattis Chile Mwaba (KaPaChiMwa)

10. Pastor Victor Chifita Makungu (Ninja I lovmy Dad)

11. Mande Mwenda

12. Peter Mulenga Chishimba (Principal)

13. Oswald Shimolo14. Portipher Phiri

15. Rev. Wo3 Kelvin Kasompe Mule (Kashif)

16. Michael Kaluba Shimulala

17. Ackim Musenge Katontoka (Baggins)

18. Donald Mwape Kasanda

19. Mwala Rupert Chibwe

20. Greenwell Mwaba Kunguleni – Prefect

21. Peter Kasongo (Pumps Champs – Mt Climbers)

22. Mwansa Kasongo Peter (Food Captain)

23. Ackim Musonda

24. Edward Shitumbanuma

25. Mwimba Makesa

26. Evaristo Mwansa Bwalya (Winter Best – Prefect)

What a great teacher like Mr. Romanos K. Chibale writes on the blackboard of life for his Students can never be erased. It has left an indelible positive mark in our individual lives. A great teacher like Mr. Chibale is like a candle, it consumes itself to light the way for others. You are one of those candles that gave us that much-needed light in our lives.

Thank you very much Sir once again and May God bless you all the more.

With humility in our hearts – From ALL SCOBA DUDES of 1985

We aspire to inspire before we expire



The Headmaster, the Deputy Headmaster, the Senior Teachers, the Class, and the Subject Teachers, the Prefects, the Class Monitors and all students at this historical Kale Combined School, members of the Community present, Parents, invited guests, ladies, and gentlemen. All protocols observed.

We, the former Kale Combined School Students, Parents, and the community at large have noted that this School was opened in 1963, a year before Zambia’s Political Independence in 1964. We have looked around and it is evident that the School infrastructure is dilapidated.  

• Pupils have no enough desks and the majority have to sit on the floor while learning, writing notes, assessments and test examinations • Classrooms including blackboards have cracks and the original coats of paint have been peeling off both inside and the outside walls.

• Teacher’s Staffroom has no furniture or drawers to ensure school work or student assignments are secured. • Broken windows and unfitted windows are constantly exposing school children to heat, cold, wind, and rain making the environment unconducive for learning.

Kale Combined School requires both Government and Community interventions and the much-needed support.

The Former Students of Kale Combined School Efforts and Action Plan

We have realized that the School really needs help from our community, and the community wants to change the small part of our big world for the better. We the former Kale School Students (now among us, parents) made a collective choice and resolve to assist our former school in our own small way. At a short notice to all our Community members, we mobilized ourselves and contributed our time and funds totaling K9,250-00 to design the New School Logo, encourage, motivate and award best-performing students and those who performed well in various subjects in ALL classes from Grade 1 to Grade12 with Certificates and monetary value given to each deserving student. The good intentions are and we hope that the Excellence Award for best-performing Students will now be an annual award-giving ceremony going forward starting this 2021 and beyond. We pray and hope that students will be more encouraged and motivated to work even harder.

Starting next month in January 2021, we will also embark on the fundraising campaign so that, God willing,  we can assist in securing the tins of paint and buy some desks for the school classes. We, therefore, make our Ernest Appeal to the Community within the Subchief Kale – from Kwa Chisamba/Chimengwa to Kabalika, From Kwa Mutukeni, to Kwa Andele, Kumushipashi, ku ma Plots and all surrounding areas to come on board, partner with us, work together with us and support the School by improving our Children’s education and learning environment.

Our desires are to engage the ex-students, teachers, and the local community to volunteer their time, skills, and talent to give a fresh coat of paint to the plaque and the classrooms and transport desks from Mansa to the School when that time comes. In this vein, we will be appealing to all members of the community for a donation of any amount, no matter how small. That will be greatly appreciated, that will make a big difference, and will surely impact positively the future of the school-going children. Community Efforts, kindness, and willingness to support us to do our part to change the world of the school-going children who walk miles to and from school only to go and sit on the floor during class sessions will greatly be appreciated.

The journey of a thousand miles starts with one step. We have started with this one step of awarding and encouraging students to remain focused, determined, resolute, resilient, and have the tenacity to learn. Together, we can do more.  We know and believe strongly that the importance of Supporting Education and conducive Learning Classroom Environment is critical in that we hope to contribute to creating a bright future for the Students and in surrounding local rural communities, and through the trickle-down effect of educated human capital thereby creating responsible citizens and enlightened future generations.

 To ALL Parents and Guardians – Our belief and Convictions

We all believe in the motto and mission of Kale School which reads; “Mwileka Mbe Uwafye”.  Let us all remember that “It is easier to build strong children than to repair broken men and women.” You can’t simply tell your kids what to do—you must lead by example. And that example has to be a good example. Strong children with morals will inevitably become strong and upright adults. Let us all not delegate our parenting responsibilities to the teachers. We need to help and support our teachers by ensuring that we impart good manners to our own children, we censure and discipline them when they go astray and off the rails. We praise them when they do good things and make us proud. Let us encourage them to concentrate at school, learn and get an education. Do not be in the forefront of receiving lobola, insalamo, impango, bride price for your girl child and push them into early marriages. 

Remember that the principal goal of education in the schools should be creating men and women who are capable of doing new things, not simply repeating what other generations have done.” —Jean Piaget. A good education can be empowering. When you’re prepared with knowledge, values, and skills, you’re ready to carve a path forward in your own life and career. Plus, you are more confident about your ability to confront complex issues and lift up those around you.

We again thank all our colleagues and parents for their good work by giving back the little resources in any way possible, sacrificing their time to help with the maintenance of the school and building the welfare of our pupils and our community, and more so to motivate them to work extra hard. We thank you all!

To you OUR Dear Teachers,

“Education is the passport to the future, for tomorrow belongs to those who prepare for it today.” —Malcolm X said. Educating the next generation helps fight back against ignorance. It helps students learn about the community at large and develop informed and educated opinions on world issues, we can support each other and make decisions that help establish a positive change in our communities. As Teachers, you very well know that the children of today are the leaders of tomorrow. Quality education can transform a kid at school into an innovative leader in the workplace and community at large.

Teaching is the profession that teaches all the other professions. The good teacher explains, the superior teacher demonstrates and the great teacher inspires. Your fingerprints don’t fade from the many lives you touch. Although the learning process can seem slow and trivial at times, students take the lessons you teach them well beyond the school door. The best teachers are those who show you where to look but don’t tell you what to see. It’s not just about giving students all the answers. A superior teacher will help each child in their classroom cultivate a lifelong desire to learn and build the skills to find their own answers out in the world.

We still remember ALL the great Teachers who taught us at this school. We are all products of the great teachers from this historical school. We owe you an incalculable debt of gratitude to you all Teachers – past and present teachers and your families for the great efforts and for your great sacrifices and positive impacts in our communities as you help provide our learners with a bright future through the work you do best – teaching and educating. Your work speaks volumes. It is for these reasons we wish to express our sincere gratitude and appreciation to the Kale combined school management and the entire teaching staff for the marvelous work you continue to perform of imparting knowledge and shaping the future by giving exceptional and professional leadership, mentoring, and coaching the students. The excellent performance exhibited by the many students is a clear testimony to your great efforts. 

We understand the hardship you all go through but with the love you have for work and the learners you stand firm and execute your duties diligently. For that, we sincerely say thank you, and may the good Lord bless you all the more.  

To ALL the Students

You should always remember that All these Teachers will only open the door for you, but it is up to each and every one of you individually to enter on your own. The beautiful thing about learning and education is that no one can take it away from you. Pursue Education with passion. It is the long-term and best investment you can ever have. The time and effort you put in, the courage you have to move through challenges, and perseverance will all keep paying off for the rest of your life.

 Although getting an education at Kale Combined School sometimes may involve cramming historical facts and information into your brain, we need to remind you that critical thinking is more about opening your mind than filling it. “What makes a child gifted and talented may not always be good grades in school, but a different way of looking at the world and learning.” —Chuck Grassley

“Amano yaba mwi buku”. The content of a book holds the power of education and it is with this power that you can shape your future and change your lives. Trust me, a good education can be empowering. When you’re prepared with knowledge, values, and skills, you’re ready to carve a path forward in your own life and career. Plus, you are more confident about your ability to confront complex issues and lift up those around you – your immediate and extended families.

We are thrilled in our hearts as we congratulate you all for your good deeds and excellent performance. We are looking forward to and expect more excellence in all your academic endeavors and pursuit. For the world was built to develop character and we must learn that the setbacks and grievances which we endure help us in our marching forward and onwards. We encourage you all to desist from social vices such as absenteeism, late coming, dogging school, going out of bounds, dagger smoking, drug, and alcohol abuse, leaving school for early marriages as it impinges one’s life, education, and social progress.  

To those who have received the awards today, we greatly commend you as well-deserving students. Excellent and Well done! To all other students, there is always next time. Let these awards serve as motivation and great encouragement for you to work even extra harder. Please, Remain focused, resilient, have tenacity, determination, and hardworking. Your eyes should be on the goal of your life. The world has always been accommodating and will create space for all those who aim for the moon! Even if you don’t reach there, you will be among the bright stars shining for us to see, to provide light and direction to your younger ones and the generation to come.

May Jehovah God Almighty Heavenly Father bless you all bless all the people of Kale.

We sincerely THANK YOU!

Merry Christmas and Happy and Prosperous New Year – 2022!

Kale Combined School Fundraising for Classroom Desks

KALE Combined School Fundraising Initiative 2021/2022

Help Kale School Students experience how it feels to sit on a Classroom Desk while Learning

Kale School Students Deserve Desks in their Classrooms

My name is Emmanuel Kalaba. I was born in a rural village and did my Lower Primary School Education (Grade 1 to Grade 4) at Kale Primary School. This now “Combined School” is situated in the rural area between Mansa and Samfya Districts of Luapula Province in the Republic of Zambia in Central Africa. Built in 1963 a year before Zambia’s Political Independence in 1964, it is evident that the School infrastructure is seriously dilapidated.

  • Pupils have no enough desks and majority have to sit on the cold, soaked floor while learning, writing notes, assessments, tests and examinations
  • Classrooms including blackboards have cracks and the original coats of paint have been peeling off
  • Teacher’s Staff room has no furniture or drawers to ensure school work or student assignments are secured.
  • Broken windows and unfitted windows are constantly exposing school children to heat, cold, wind and rain making the environment unconducive for learning.

Negative Impact on the School Children and the rural Community

As a result of these deplorable conditions and sad state of affairs at Kale Combined School, young students are often demoralized, demotivated and most often opt to stop attending classes. They unfortunately resort to other social ills such as alcohol, drug and sexual abuse. They become vulnerable to sexual exploitation, sex workers and early “Child Marriages”. The case of “Children Having Children”. We need to rescue Child brides otherwise the entire community risk perpetual drifting into the cycle of ignorance and poverty. Lack of education, awareness and exposure is exhibited in people becoming superstitious for any medical ailments which befall upon them in their vulnerable situation when they become pregnant before the legal age of getting married. Lack of adequate health care within the surrounding local communities compounds the problems alluded to further exacerbating the already gloomy situation.

Our Own Local Efforts

When the School Administration shared the pictures of the students sitting on the ripped and cracked classroom floors, it was at this point when we realized that the School really need help from our community, and want to change the small part of our big world for the better. We the former Kale School Students made a collective choice to assist our former school. We contributed funds to design the School logo, encourage, motivate and award best performing students and those who performed well in STEM subjects in ALL classes from Grade 1 to Grade12 with Certificates and monetary value given to each deserving student. The good intentions are that the Excellence Award for best performing Students will now be an annual award giving ceremony going forward. Suffice to mention that the local, rural and low or no formal income members of the community could only go so far.

Our Convictions

We believe in the motto and mission of Kale School which reads; “ Mwileka Mbe Uwafye” literally meaning “Do Not Let Me Be A Nobody”. The importance of Supporting Education and conducive Learning Classroom Environment is critical in that we hope to contribute in creating a bright future for the Students and in surrounding local rural communities, and through the trickle-down effect of educated human capital thereby creating responsible citizens and enlightened future generations which believe in science instead of superstition. 

Our Ernest Appeal

We passionately appeal to you to make a donation for us to buy at least 100 (3 seater school desks), 60 pairs by one seater desks for senior secondary students and 25 of 5 litre-tins of paint. The Desks will be purchased from the local suppliers using locally available timber which will indirectly empower the local community. This translates to an average of 10 desks per class from grade 1 to Grade 10 and 30 pairs by one seater desks for senior secondary school students in Grades 11 and 12 respectively. At the Exchange rate of $1=K16 or K17 our target is to raise $12,000 by the end of January 2022 so that Students will no longer sit on the floor during their lessons, when taking assessments or examinations. We will also engage the ex-students, teachers and the local community to volunteer to give fresh coat of paint to the classrooms and transport desks to the School.

A donation of any amount, no matter how small will be greatly appreciated, will make a big difference and will surely impact positively the future of the School going children.

Thank you ALL for your kindness and your willingness to support us to do our part to change the world of the school going children who walk miles to and from school only to go and sit on the floor during class sessions.

Politically Exposed Persons (PEPs)

Sunday 10/10/2021 – Why ZAMBIA should expand the list of Politically Exposed Persons (PEPs) or now sugar-coated Prominent & Eminent Persons (PEPs). In 2012 and 2013, I, as Area Head of Financial Crime Risk for Southern and Eastern Africa, Country Money Laundering Prevention Officer, Chairperson of the Anti-Bribery and Anti-Corruption Working Group, Chairperson of the Bankers Association of Zambia Fraud Prevention and Security, Member of the World Advisory Board of the Association of Certified Fraud Examiners (CFE) and Africa Organising Committee member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) was privileged to be appointed as a Speaker during the two (2) World International Conferences for both ACAMS and ACFE in Sandton, South Africa (First and 2nd International Conferences by ACAMS and ACFE to be held in Africa). Pioneers.

During my presentations, I covered several important topics pertaining to Financial and Economic Crimes. I particularly and vividly recall the touch topic of PEPs in Africa and how PEPs and their Cronies behave in African Political Systems, how Financial Sector like Banks, Financial Intelligence Units (FIUs), Law Enforcement Agencies (LEAs) should handle them in terms of Enhanced Due Diligence (EDD) and appropriately risk classified as high. In my several articles, I have provided some simpler working definitions for any layman and laywoman to easily follow the topics under discussion.

Money Laundering (ML) is the process by which criminals attempt to conceal or disguise the ownership and origin of the proceeds of criminal activity so that the funds appear to be derived from legal sources. ML process, therefore, does not make the funds legitimate or become clean, it just makes them appear to be legitimate or clean. It still remains dirty money.

Customer Due Diligence (CDD) is a process where Financial Institutions such as Banks, Insurance Companies, Securities, and Brokering firms collect, maintain, periodically review and update information and data about their individual clients, corporate, commercial, and Institutional customers. Customer Due Diligence (CDD) process is a Legal and Regulatory requirement to allow an informed choice to be made whether to onboard a new customer, continue with an existing customer relationship, or provide a new product or service or in the worst-case scenario, deny/reject the service and exit the relationship and close the Client’s Bank account. It is also one of the most powerful and available tools at the banks’ disposal to prevent and deter financial criminals and terrorist financiers from using the banks as conduits to conduct their illegal activities.

So that is what ‘Customer Due Diligence’ (CDD) means – it’s the information the Banks must have to get on their clients before they open accounts for them and the way in which Banks verify that that information is true. It’s worth running through the process at a high level. In essence, at account opening the Banks must first and actually do screen all potential new customers against the ‘Watch list which ALL Banks across Globe maintain. Those Databases and Watch lists contain listing persons and entities who are banned by the UN and various other authorities of which the Banks take note, from receiving financial services. The level of AML risk in the relationship is assessed according to the criteria of the country or geographic risk, customer risk (including business type risk), and product risk. Thereafter, Banks’ requirements are that customers are assigned into either the Standard Due Diligence (SDD) or Enhanced Due Diligence (EDD) categories, with appropriate action on information and verification then taken in accordance with the detailed business (Corporate, Institutional or Retail Customers CDD procedures). Some Banks have Lower Levels of Due Diligence depending on the Customers.

As Regulated Institutions by the Securities and Exchange Commission, FIC, Central Bank of Zambia, Commercial, Retail, Community and Merchant Banks in Zambia are expected to have clearly documented AML, KYC, and CDD Policies and Procedures.

Now, regarding the question pertaining to PEPs. This is a category of high-risk customers which receives particular attention amongst the various international standards and guidelines (FATF 40, BIS, Wolfsburg, EU Third Directive, USA Patriot Act) is that of Politically Exposed Persons (PEP’s) – Prominent & Eminent Persons (PEPs). A PEP is defined by many Financial Institutions and Regulators as “…an individual who is or has, at any time, been entrusted with prominent public functions and an immediate family member, or a known close associate, of such a person.”

From the definition above, you will agree with me that PEP is not equal to Politicians, it extends to those appointed to higher Offices such as Commanders of the various Forces (Levy Prosecuted several of them in Zambia). PEP covers spouses, Children, friends, and business associates of high-ranked Citizens in whose names, a deal or bribe can be bequeathed.

In Zambia, we can add AMAI NINI, Side chicks, girlfriends, baby mamas, Ben 10, sugar Daddies, side dudes, sons and daughters-in-law, ba sebele, aunties, and uncles. Why such figures are considered higher risk from an anti-money laundering perspective? The reasons stem mostly from the high profile which such individuals hold. They tend to attract a great deal of interest from business people, some of whom may have criminal connections or may even be criminals themselves. They often have substantial decision-making powers (or, in democratic states, the prospect of obtaining these powers through the political process) including the power to allocate vast state funds to particular companies through the award of government contracts, tenders and this, therefore, makes them vulnerable to bribery and corruption.

Dr. Chishimba Kambwili once disclosed to the Nation on TV that the money he used to make out of the Mines (before his businesses went down) was enough for him to fly to London, drink tea and come back in the evening – paraphrased. GBM as Defence Minister then during some altercations with Wynter Kabimba told us that he did join Politics to enhance his businesses and make money. The late Old Munkombwe confessed the Politics of the Belly. The list goes on. We hear stories of what might have happened during the MMD and the PF Government. PEPs, In the worst instances, may even themselves be of a criminal disposition whereupon they will be well placed to misappropriate public funds.

Finally, of course, by virtue of their positions, they will likely be in possession of sensitive non-public information which can allow them to benefit in a criminal manner at the expense of others (e.g. insider trading or insider dealing). And because PEP’s are aware of the scrutiny which their activities are likely to be subject to, their use of family members, associates and, in some cases, ostensibly unknown “fronts” and Chola boys and Chola GIRLS some in New Kasama as conduits through which to conduct their transactions and escape scrutiny, is often widespread and, of course, open to abuse, should temptation get the better of them.

Remember Sata exposed K4billion Cash withdrawal at Finance Bank by Private Secretary then and Levy (SC) came to his rescue and claimed that was his money for MMD functions/hmmm funds meant for the party in a personal account at Finance Bank then.FATF Recommendation 6 and other relevant standards state that financial institutions should, in relation to politically exposed persons, and in addition to performing normal due diligence measures must have appropriate risk management systems to determine whether the customer is a politically exposed person.The Bank must Obtain senior management approval for establishing business relationships with such customers, take reasonable measures to establish the source of wealth and source of funds; and Conduct enhanced ongoing monitoring of the business relationship.

By the way, out of curiosity, coming out of the experiences of the MMD and PF Governments, why are UPND Cabinet Ministers not transparently declaring their current personal and Family Assets so that after 2 or 3 years we the people of Zambia can conduct a lifestyle Audit and see those with affinity to dip their fingers in the cookie-jar, government coffers and those with a propensity to go off the rails…off tangent? To be Continued. KEKK888 – CFE, CAMS

Purging Contagious Social Media Colleagues

On 10/10/2021, I will be purging some of my Facebook friends. I wish to cut out some contagious negativity, unnecessary arguments, oversharing, and the noise generated by and from random stuff “friends” masquerading as experts in all areas of human endeavors.

Social media platforms like Facebook, YouTube, Instagram, WhatsApp, Telegram, LinkedIn and many others are and can be a great way to learn, share, and interact with people you know and extended networks of people you don’t especially during these pandemic times when the World is expected to continue social distancing. But surely, at my age and anyone above 40+1 etc., should not be proud to really be seeing everything from the niece’s best friend’s boyfriend’s mother’s Ben 10 (younger boyfriend) or bally (Sugar Daddy). It does not help anyone in any way.

Incidentally, those with affinity and propensity to spiritedly argue (and vehemently defend the indefensible) and want to stamp their unqualified, self-acclaimed, self-imposed wisdom, with delusions of possessing a monopoly of knowledge and authority masquerading as Subject Matter Experts (SMEs) in all fields ranging from nuclear/quantum physics to Political image building, Banking/Finance to National Tenders/Bill of Quantities in construction, Aqua fish farming to Mining Deals, tax avoidance/tax evasion to civil engineering, political defections/elections to criminal economics, Governance/Policy to Global History,  Northern Circuit Tourism to Financial Intelligence Center Reports, Efficacy and Expired Medicine/Pharmaceutical products to Import Cover deficits, via covid-19 to Intangible heritage and Sangomas all the way to Voter registration and Religious matters in between. From the Papacy to Cult Leaders. Please self-introspect as social media could be poignant right now until 2026. Many of the things shared may not be very accurate after all.

Sometimes the friends we have on Facebook, YouTube and WhatsApp can have opinions that are divergent and we would rather not see. While they have every constitutional right to voice their opinion, we also reserve and have every right to decide whether to see, listen, read and indeed to remove them from our News Feed. It is for our own peace of mind and maintaining our slightly above normal blood pressure and migraine headaches. I hope you are not one of the potential casualties after 10/10/2021. It is a New Dawn. New dispensation. Stay safe and be blessed.

FinTech and Cryptocurrency Opportunities

“An investment in knowledge pays the best interest.”— Benjamin Franklin.
This is 2021 and the COVID-19 pandemic rages on. Learn the new skill sets pertaining to any or all of the above. Make extra money on your own using your own Smart Gadgets – Gizmos. These so-called SMART Phones are just DULL Phones if they are only used to receive calls to remind you of the BILLS and the DEBT you OWE companies and other people. Make extra money on your own using your own account, digital wallet on your own Phone, iPad, tablet or laptop. Use your Smart Phone Smartly and STOP blowing bundles on useless SOCIAL media Gossip, Politics, or chain emails and unproductive videos. Phones only become SMARTPHONES when they HAVE vital APPS like KLEVER Wallet APPS that can make your money work for you while you are asleep or at the BEACH. Learn new skill sets. Venture and explore. Let us start.

  1. Create and register a free account on Binance Binance (
  2. Download the KLEVER Wallet – a multi-crypto wallet to swap your cryptos and make transactions quickly and easily. Download now: (Code: W3S3IB)
  3. There are opportunities like these, where YOU DO NOT have Pay anything. I’m not asking you to pay any money. I’m just inviting you to this opportunity with the potential for you to earn money. Initiative Q is an attempt by ex-PayPal guys to create a new payment system instead of payment cards that were designed in the 1950s. The system uses its own currency, the Q, and to get people to start using the system once it’s ready they are allocating Qs for free to people that sign up now. Signing up is free and they only ask for your name and an email address. There’s nothing to lose but if this payment system becomes a world leading payment method your Qs can be worth a lot. Just like me, if you missed getting Bitcoin seven years ago, you wouldn’t want to miss this. Here is my invite link. Register for free here:
  4. You have heard of Cryptocurrency Mining? You CAN now Do it for Free on your Mobile Phone. Pi is a new digital currency developed by Stanford PhDs, with over 10 million members worldwide. To claim your Pi, follow this link and use my username (Kemman1) as your invitation code. Minepi (
  5. . Here, you will learn how to build generational wealth. We will share positive ideas and teach you how to have your money work for you instead of you working for your money. It is time to implement the Robert Kiyosaki’s (Poor Dad Rich Dad) Investment formula. If you think you are TOO old for this, please share with your children, nephews, nieces and the younger at Heart. Cryptocurrency is not the FUTURE of Money. The Future is here, now with us.
  6. This 2021 should be a year of great opportunities and prosperity for all those determined, affable, focused and resilient enough with positive attitude towards financial freedom.
    Stay Safe and Be Blessed.

Kunda Emmanuel Katwishi Kalaba (KEKK)

The seemingly never ending lamentations of the African People

For how long will the Africa people endure? When will there be light at the end of the tunnel? Some historical perspectives may just assist in reconciling with the past and hopefully inspire many to rectify the wrongs and be fired up to do the right thing for humanity’s sake.

In some Southern African Countries, words and Names such as ukumanama, Ukuchuula, Ukupenga, Nadpenga, Ukuyoyota, Ukuyoyomba, Ukukatala, Mapenzi, Mateso, Mapesho, Mabvuto, Nabvutika, Masuzyo symbolises lamentations of problems and challenges in life. And the African people have had their unfair share of problems in their life history.

The Arab Slave Trade – Prophet Muhammad died in or around 632. In 650, the holy book Qur’an (Koran), was codified. In 652, slavery as an organized venture in Africa began in Darfur, where the Sudanese leader at the time was compelled to make a payment of several hundred African slaves per year to the Arab invaders. African slaves were used for agriculture, labor, household help, or to be concubines or soldiers.

The Arab Muslim slave trade also known as the trans-Saharan trade or Eastern slave trade is billed as the longest, having happened for more than 1,300 years while taking millions of Africans away from their continent to work in foreign land in the most inhumane conditions. Franco-Senegalese author and anthropologist Tidiane N’Diaye published his research and book titled “The Veiled Genocide”. He attributed the tag line to the most humiliating and near-death experience slaves were subjected to, from capture in slave markets to labour fields abroad and the harrowing journey in between. The number of slaves captured from Africa in the Trans Sahara trade are estimated at about nine (9) million. That is almost the entire current population of Botswana, Namibia, Lesotho, Swaziland, Burundi put together and taken away.

The Eastern slave trade in Africa was predominantly concentrated in the East and West African regions. In East Africa the coastal region was the preferred route and Tanzania’s archipelago of Zanzibar became a hub for this trade. Enterprising Arab merchants and middlemen would gather in Zanzibar for raw materials including cloves and ivory. They would then buy black slaves who they would use to carry the raw materials and also work in their plantations abroad. Slaves from as far as Sudan, Ethiopia and Somalia would be availed at the Zanzibar market and shipped through the Indian Ocean to the Persian Gulf or Arabic Peninsula where they worked in Oman, Iran, Saudi Arabia and Iraq. The retribution should not be restricted or confined towards the Western Countries. Topic for another day.

While European merchants were interested in strongly built young men as labourers in their farms, the Arab merchants were more focused on concubinage capturing women and girls who were turned into sex slaves while living in harems. Male slaves would work as field workers or guards at the harems. To ensure that they never reproduced in case they got intimate with their fellow female slaves, the men and boys were castrated (Eish, ouch, I feel the pain in the groins already). Men and boys were made eunuchs in a brutal operation against their will and majority would lose their lives in the process. “The practice of castration on black male slaves in the most inhumane manner, altered an entire generation as these men could not reproduce. The Arab masters sired children with the black female slaves. This devastation by the men saw those who survived committing suicide. This development explains the modern black Arabs who are still trapped by history,” – Liberty Mukomo, a lecturer at the University of Nairobi Institute of Diplomacy and International Studies.

Even as Europe, one of the key players in the African slave trade abolished the practice hundreds of years ago and the United States officially ended it in 1865, Arab countries continued the trade with majority ending it late in the 20th century. In Malawi, slavery was officially criminalized in 2007 with mentions of some Arab countries currently being involved albeit clandestinely.

The Trans-Atlantic Slave Trade – While the Portuguese (from 1441) are usually cited as being the first to engage in the transatlantic slave trade, most major European maritime empires participated including Spain (from 1479); Great Britain (from 1562), North America (from 1619); Holland (from 1625); France (from 1642); Sweden (from 1647); and Denmark (from 1697). Sweden and Denmark, even you Scandinavian Countries? Seriously? For real? sure? And you have kept quite. The silence is too loud over this issue.

Over the years, global focus and discourse on slavery has concentrated on the Trans-Atlantic trade that featured the Americas and European merchants. Between 1441 to 1888 the transatlantic slave trade initiated a forced migration of approximately 12 million people from the Continent of Africa to European colonies in the Caribbean Islands, in Central and South America, and in North America. These early trade patterns evolved into a larger system of trade often times referred to as the “triangular trade” referring to the three legs of the trade system. The first leg was from Europe to Africa where goods were exchanged for slaves. The second or middle leg of the trade was the transportation of slaves to the Americas. The third leg of the trade was the transportation of goods from the Americas back to Europe. The most representative of the systematic and brutal exchange of human being was the “Middle Passage”, the second leg of the triangular trade in which thousands of Africans were forced into the hulls and storage of ships for the nightmarish voyage to the “New World.” Many are aware that the slaves were kept under inhuman conditions including being branded with hot irons and restrained with chains or shackles. Very Sad. Who does that to a fellow human being? The area had little or no ventilation (CAN’T Breathe type of suffocation) and negligible resources for the removal of human waste. According to the slave Equiano, “The closeness of the place, and the heat of the climate, added to the number in the ship, which was so crowded that each had scarcely room to turn himself, almost suffocated us. This produced copious perspirations, so that the air soon became unfit for respiration, from a variety of loathsome smells, and brought on a sickness among the slaves, of which many died. “(quoted in Africans in America, Part 1).

Others were thrown overboard in the Ocean either dead or alive. Nowhere in the annals of history has a people experienced such a long and traumatic ordeal as Africans during the Atlantic Slave Trade. Over the nearly four centuries of the slave trade, which continued until the end of the Civil War in America, millions of African men, women, and children were savagely torn from their homeland, herded onto ships, and dispersed all over the so-called New World. It is guesstimated that between thirty and sixty million Africans were subjected to this horrendous triangular trade system and only one third of those people survived.

In 1862, Abraham Lincoln issued a preliminary emancipation proclamation, and on January 1, 1863, he made it official that “slaves within any State, or designated part of a State…in rebellion,…shall be then, thenceforward, and forever free.” Though the Emancipation Proclamation didn’t officially end all slavery in America, that happened with the passage of the 13th Amendment after the Civil War’s end in 1865. Some 186,000 black soldiers joined the Union Army, and about 38,000 lost their lives. Black Africans have been sacrificing their lives for long.

Scramble for Africa – End Slavery and intensify colonialism by scrambling for Africa. The Berlin Conference occurred primarily due to Germany’s entry into the colonial sphere. Previously, Britain, France, Belgium, Spain and Portugal had largely occupied the African continent without conflict amongst themselves. European Countries were already in Africa exploiting Natural and Human resources including Slave Trade.

Germany’s rise to power made the other European leaders nervous and eager to establish ground rules. So, in 1884, the Berlin Conference was convened to discuss African colonization, with the aim of setting up international guidelines for making claims to African land to avoid conflict between European powers. The Berlin Conference was a series of meetings held in 1884 and 1885 with the goal of dividing the continent of Africa between the European powers. As countries scrambled to establish colonies on the continent, the heads of state wanted to head off any potential conflicts between them over the African territory which was not theirs. Among the rules created by the Berlin Conference were the establishment of a free trade zone in the Congo, the requirement that a country had to occupy and administer its colonies instead of simply claiming land in absentia and the requirement that a country must notify the other signatories before establishing a coastal colony in Africa. The conference gave no consideration to the self-determination of the African people, but it did include a token amendment to ban slavery in Africa in an attempt to legitimize the conference and gain public support.

As a direct result of the Berlin Conference, the colonization of Africa increased in speed and scope. By 1902, approximately 90 percent of the continent was under direct European control. Scramble for Africa. Another sad episode for the African Race. Missionaries had also arrived in Africa and said nothing or little against Colonialism or against Slavery earlier on in their own Countries.

Colonialism in Africa – The policy of a country seeking to extend or retain its authority over other people or territories, generally with the aim of economic dominance. In the process of colonization, colonizers may impose their religion, economics, and other cultural practices on indigenous peoples which Europeans did. The policy or practice of acquiring full or partial political control over another country, occupying it with settlers, and exploiting it economically. Equally a very bad practice of domination, which involves the subjugation of one people to another, installing a settlement of its people on foreign land, establishes political control over the other land for economic benefits of the more powerful country.

In practice, a country conquers and rules over other regions, exploiting the resources of the conquered country for the benefit of the conqueror, establishing territorial dominion over a colony by an outside political power.

Apartheid – As if that is not enough for the Africans, apartheid creeps in. Boers. Racial segregation had long existed in white minority-governed South Africa, but the practice was extended under the government led by the National Party (1948–1994), and the party named its racial segregation policies apartheid in Afrikaans: “Apartness”. Yet another dark era. Nelson Mandela and de Klerk led efforts to negotiate an end to apartheid, which resulted in the 1994 multiracial general election in which Mandela led the African National Congress (ANC) to victory and became president after his 27 solid years of Incarceration. Robben Island. Tesana. Not Things!

Neocolonialism – The control of less-developed countries by developed countries through indirect means. This is widely used to refer to a form of global power in which transnational corporations and global and multilateral institutions combine to perpetuate colonial forms of exploitation of developing countries. Neocolonialism has been broadly understood as that which enables capitalist powers (both nations and corporations) to dominate subject nations through the operations of international capitalism rather than by means of direct rule. The use of economic, political, cultural, or other pressures to control or influence other countries, especially former dependencies. That practice of using capitalism, globalization, cultural imperialism, and conditional aid to influence a developing country instead of the previous colonial methods of direct military control or indirect political control.

What next for Africa? – Imperialism – The policy or action by which one country forcefully gains and keeps control of another country or territory. Most often, countries use military means to gain economic and political control in other countries. There is a scramble for Military Bases by the “Big Boys” on the African Continent. And they are now dotted everywhere in Africa. Africa Freedom Day – “is coming tomorrow” from a Song in SARAFINA – South African Movie featuring Caryn Elaine Johnson, known professionally as Whoopi Goldberg. 1960 was proclaimed “The Year of Africa”. On May 25, 1963, 31 African leaders convened a summit meeting to found the Organization of African Unity (OAU). They renamed Africa Freedom Day as “African Liberation Day” and changed its date to May 25. Thirty-eight (38) years after its formation, the OAU evolved into the African Union (AU) on May 25, 2001. Africa Day continues to be celebrated both in Africa and around the world.

Not forgetting the heinous atrocities, crimes against humanity committed from 1885 to 1908 in the Congo Free State (today the Democratic Republic of the Congo) which, at the time, was a colony under the personal rule of King Leopold II of the Belgians. These atrocities were particularly associated with the labour policies used to collect natural rubber for export. Together with epidemic disease, famine, and a falling birth rate caused by these disruptions, the atrocities contributed to a sharp decline in the Congolese population. The magnitude of the population fall over the period is disputed, with modern estimates ranging from 10 million to 15 million deaths.

With the recent unfolding events, Africans have been crying for a long time. The Grand Creator will one day graciously hear the cries and lamentations of his own Children – the Black Africans and many of African descendants – IT IS A MATTER OF WHEN, NOT IF. Stay Safe and be blessed.

Snake Oil, Ponzi Schemes and Crypto Scams

With great computer-generated graphics and fancy websites, online companies would claim to be the most Trusted Digital/Crypto Currency and Forex Trading Platforms purporting to have most advanced  proprietary Artificial Intelligence (AI) technology, systems capable of assisting their professional and crop of omni-directional expert traders  to wisely use your money, invest and trade and make abnormal profits on your behalf.

Impostors masquerading as business gurus, they with their sweet talk, will lure and entice unsuspecting people into believing that those companies are able to generate and provide between 2 to 50% passive Return On Investments (ROI) along with an eye-catching affiliate program ranging between 5% to 25%. Online Referral materials, codes and referral links will be provided for Peer to Peer (P2P) and online marketing, advertisement and desirable social networking platforms.  People are encouraged to “make a deposit and sit back while our experts do the work” and “let our professionals help you choose an investment plan that meets your needs”.  The promise of passive income, profits, bonuses, equity and shares in companies is the order of the day.

They claim that their main business is Cryptocurrency and Forex trading with future expansion across various sectors without mentioning or specifying them and when. Their so-called engineers, financial experts and self-learning bots will design accurate trading plans to meet customer profit requirements every day. “You are able to earn money without leaving your home, and what’s more, without making any risky decisions claiming to have developed a system that guarantees constant passive income in several investment plans”. Claiming to be located in Big Cities like London, New York, with a workforce “with great experience and trading skills in all international markets, using professional, advanced tools that are not available to average users “because the profit is guaranteed for investors”. Blockchain and allegedly transparent and audited smart contracts are peddled to would be investors. The sweet nothing stories without any product or service offered by these online companies except “recruiting other people to join with their own money” continue like that.

Unfortunately, a lot of people from all the continents have been duped and continue to be duped in that manner. They have cried and others still continue to cry. I personally know several people who reached out to the Bank, borrowed USD $60,000.00 equivalent and “invested” in these cryptocurrency scams and never recovered any cent. Sadly, the loan repayment continues for the next 5 years.

As I went out jogging in the neighborhood today, I thought of “Snake Oil” and Charles Ponzi Schemes in one sentence.  Not a great feeling. I decided to share this with you.

Ponzi and Pyramid schemes

        Dr. Joseph T. Wells’ Encyclopedia of Fraud, Third Edition aptly describes the characteristics of a Ponzi scheme. A Ponzi scheme is an illegal business practice in which a new investor’s money is used to make payments to earlier investors.

        In accounting terms, money paid to Ponzi investors, described as income, is actually a distribution of capital. Instead of returning profits, the Ponzi schemer is spending cash reserves, all to raise more funds. Where a basic investment scam raises money and disappears, the Ponzi scheme stays in business by circulating investor funds.

There are usually little, cryptocurrency, trading, IPO, FOREX trading or no legitimate investments are taking place. Promoters used most of the funds for expensive lifestyles and transferred into property or offshore accounts. Schemes typically run for at least a year, although some Ponzis have flourished for a decade or more.

       The Better Business Bureau has labeled Ponzi-style financial rings “the biggest single fraud threat confronting American investors.” Highly publicized nationwide booms in real estate (the 1980s) and the stock market (1990s) gave rise to an epidemic of investment fraud. Every one of the top frauds cited by the North American Securities Administrators (including Internet and other high-tech scams, telemarketing, and abusive sales practices) has been run as a Ponzi scheme. According to the Securities Exchange Commission (SEC) and the North American Securities Administrators Association (NASAA), scammers pitching phony securities cost United States investors between $10 and $15 billion a year. This is more than a million dollars an hour. Many of these scams use the Ponzi method – paying off a few early investors with other investors’ money under the guise of stirring up business. Telemarketing boiler rooms, whose frauds cost an estimated $40 billion a year, often run Ponzi schemes. 

      The Encyclopedia of Fraud details the “The Federal Trade Commission (FTC) and the SEC are the U.S.’s two major enforcement organizations that target Ponzi schemes. Federal jurisdiction privileges allow FTC and SEC agents to pursue scams across state borders. For example, an operation may be incorporated in Florida, sell most of its products in Louisiana and bank its profits in Tennessee. Prosecuting has to encompass each venue and relate local activities to the larger scheme.

       “The SEC files about 500 complaints a year against unscrupulous investment promoters, and 25% of those are Ponzi schemes. However, the largest number of Ponzi scheme complaints are filed on the state level by state authorities, including attorneys general and state-level regulatory agencies. The FTC shuts down about ten pyramid schemes every year and takes action of one form or another against dozens of bogus investment opportunities. While the SEC can pursue civil and criminal complaints, the FTC’s powers are limited to civil remedies, usually an injunction and a financial judgment for investor losses.” 

      “A Ponzi scheme and an illegal pyramid scheme both use new investors’ money to pay earlier investors. The difference between the two lies in the way each scheme is promoted. Illegal pyramids generate revenue by continually recruiting new members. The promoters may offer merchandise or services for sale—or may not—but the only significant revenues come from recruitment. Though a pyramid-style compensation plan is not illegal, it is illegal to run a business in which recruiting new people generate all of the funds.” . The notorious so called uplines and downlines, referral links by fake leaders

In his book Frankensteins of Fraud, Wells writes the history of Charles Ponzi and how his scheme became a well-known, remarkably enduring fraud of modern times. “Known as the Father of the Ponzi scheme, Charles Ponzi, or Carlo Ponzi, was born in 1882 in Parma, Italy. He came from a family of hoteliers and was sent to Rome for a university education. But a string of gambling debts and criminal charges for theft and forgery cut short his schooling and prompted his family to send him to America. At the age of 19, he arrived at Boston Harbor. In his self-published autobiography, The Rise of Mr. Ponzi, he claimed that he had only $2.50 with which to begin his new life. He had left with $200 in cash from his family but lost the greater part by gambling with some of his shipmates.”

        After working odd jobs, Ponzi was employed as a bank clerk in Montreal, where he began handling international wire transfers. Ponzi began stealing immediately, was arrested and served time before eventually making his way back to Boston. There his plan took shape, as Wells explains:

“Ponzi hatched what would become known as the Ponzi scheme in December 1919. A coalition of international postal services had begun selling postal reply coupons after World War I ended. Each coupon was good for one stamp in any of the affiliated countries; this allowed the mail services to continue operations smoothly despite the instability of most European currencies at the time. Ponzi reasoned that he could persuade investors to capitalize on the fluctuating currency prices by using the postal reply coupons in a series of exchanges.”

        Instead of making legitimate trades, Ponzi “used money from his latest round of investors to pay those who had purchased his ‘securities’ earlier. By convincing people to reinvest their funds, he was able to postpone his financial obligations even longer.” Wells writes that newspaper reports in 1920 exposed Ponzi’s scheme, and despite his claims of innocence, “a federal audit confirmed his operation was bankrupt, owing perhaps $4 million or more to investors.”

         Wells describes the rest of Ponzi’s life as one of a fugitive and swindler. “After his arraignment, Ponzi jumped bail and fled to Florida, where he sold swampland as an investment property. He and his wife Rose were both arrested in Jacksonville in 1924 and charged with fraud. The charges against his wife were dismissed, but Ponzi was ordered to stand trial. However, an errant judge, not realizing he had one of the country’s most infamous swindlers before him, allowed Ponzi to post bail. He fled on a ship bound for Genoa, Italy. Authorities later apprehended him when the ship docked in Houston, Texas. Ponzi was convicted in federal court in 1925 and sentenced to 5 years imprisonment. After serving three years, he was turned over to the Massachusetts judicial system, which sentenced him to seven more years.

          “Though he fought the deportation charges against him, Ponzi was forced to return to Italy in 1934. Frederico Mussolini, who was eager to hear how his countryman had wreaked such havoc in the American financial system, received him warmly. His family connections eventually won him an appointment as the business manager to an Italian airline headquartered in Rio de Janeiro. He lost the position when it was discovered that the airline was being used to smuggle diamonds, strategic materials, and spy communications to the Fascist regime. Ponzi was innocent, later expressing his consternation that he had not been recruited into the effort.

        “Sometime in the 1940’s he paid a small press in Brooklyn, New York to print his autobiography, The Rise of Mr. Ponzi. Extant copies are available at the University of Texas and the Library of Congress, but the book was never reprinted. Charles Ponzi died penniless in a charity ward outside of Rio in 1949.”

       No doubt Charles Ponzi’s story casts a long shadow on fraud. People still remember the name “Bernard Madoff” in the USA. As investigators sorted through the financial mess that resulted from Madoff’s massive fraud, Ratley shared some advice for fraud examiners working to sniff out the next Ponzi scheme:

“Never judge the suspected fraudster by your own standards,” Ratley said. “They will do things that would appear absurd to the trained professional. If you think, ‘they wouldn’t do that,’ get that thought out of your mind. It’s your job to investigate, verify and confirm all of the facts where fraud is involved.”

Photo by Anna Nekrashevich on

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