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How a $5,000 Personal Loan With Bad Credit Can Be Yours

How a $5,000 Personal Loan With Bad Credit Can Be Yours

  

If we were all to be honest, we would have to admit there have been times when we needed cash, but did not seek a loan because of our bad credit history. We were convinced the poor credit score meant our application, even for a $5,000 personal    personal loans for bad credit    loan, with bad credit would be rejected, so why bother?

Well, such decisions were not well-founded as it is possible to get loan approval despite bad credit. All that is needed is to be creative in how the approach to funding is made. The fact that there are numerous loan options, and types of lenders too, makes this possible.

The fact is that $5,000 is not a huge amount of money, and as such, a personal loan of that amount is not a very big gamble for a lender to take. Taking some time to look at the various options is well worth the effort. Here are some suggestions to help in the process.

Emergency Cash Fast

Often, financial emergencies are behind loan applications. The problem is that the extra funds are needed practically immediately. Seeking $5,000 personal loans with bad credit is usually a stressful experience with traditional banks, but a payday loan is not.

Payday loans are granted on the back of an upcoming paycheck only, so the approval process ignores bad credit scores completely. As a result, the approval process is lightning fast, and within a day, the cash needed can be deposited in your account. Of course, getting loan approval despite bad credit so quickly carries with it some consequences.

For a start, the interest rate is exceptionally high while the repayment term is literally until the next payday. Also, the loan limit is very low, usually around $1,500. This means accessing a $5,000 personal loan requires taking out 3 or 4 successive payday loans. Some lenders may grant $5,000 and extend the term to 90 days, but be wary of the expense.

A Family Loan

While a payday loan is certainly the most expensive option available, arguably the least expensive is a family loan. This is because loans from family members frequently involve little or no interest. Also, getting a $5,000 personal loan with bad credit is straightforward.

The positives include getting loan approval despite bad credit, since normally a family member knows the request is down to a real need, and the borrower is someone they know and trust. Flexible repayment schedules are also very common, with easy restructuring if the need arises.

However, regardless of whom the family member is, it is important to write down all of the agreed terms of the personal loan and to have all relevant parties sign the document. This is firstly to ensure no-one is confused, and secondly that everything is clear for legal purposes.

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Purchase Essential Beauty Salon Supplies to Make Your Salon Ideal for Customersf

In the complexities of occupations, individuals will in general be drained and pushed. Regardless of whether men or ladies, the two of them locate a troublesome opportunity to take great consideration of themselves. Embellishing oneself necessities enough measure of time to have it done appropriately. As the notoriety continues expanding, more individuals interest for magnificence and unwinding administrations. We can perceive how 수원풀싸롱 organizations begin to develop. The salon hardware and offices are getting further developed. Maintaining a professional a salon is very intense and testing. Expect for some contenders as the requests for salons increment. Salon proprietors must comprehend the sort of their business and how to make a decent connection with the clients. Hair and beauty parlor administrations must be high in quality to be serious in the salon business. It is difficult to beat contenders who have just settled a decent standing in the general public. In any case, there are ways on the most proficient method to start to lead the pack in the opposition. The essential key to cause your salon business to flourish is to center in your salon’s improvement. Purchasing basic beauty parlor supplies and salon gear will improve your salon’s administrations.

Individuals will pick a salon that offers the best and complete administrations. Such salons give the affirmation that customers will get the best administrations and pay monetarily. The huge test to the salon proprietors is the manner by which to give clients reasonable yet quality salon administrations. Setting up a salon is a decent choice on the off chance that you realize how to oversee it well and give the best supplies and helpful hardware. Individuals consider the sorts of administrations that a salon offers and furthermore the provisions that are utilized to do it. Obviously, master beauticians and experienced staff are your fundamental resources. Ensure that you have all the fundamentals required in your salon.

You ought to find significant hints to give better salon administrations contrasted with your rivals. In a business, you have to learn on the most proficient method to perform viable techniques to have huge quantities of clients. At the point when your salon has more clients, it would basically imply that you will have more pay. In the event that a client encounters good spoiling administrations in your salon, at that point the person in question will return as often as possible and gotten faithful to your salon. Hair basics, skin and facial creams, lotions and other beauty parlor supplies can help support your salon business. Agreeable and rich furniture like nail trim tables, love seats, rub beds, mirrors and spa hardware are additionally advantageous to your salon business.

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Anal Fissure Cause

The anal crevice cause is generally because of hard stool going through the anal depression. In ladies the 애널용품 gap cause

is vastly different and more normal, as the space between the vaginal and anal holes is slim. The anal gap cause can as a rule be fixed after some time if defecations arent held in and a decent eating regimen with fiber is kept up. The anal gap cause can be found in an individual’s eating regimen, hard stool will tear the slight covering in the anal depression. The other anal crevice cause may likewise be anal intercourse. Any items put into the anal canal may likewise be a reason for an anal gap.

The anal canal is sensitive and crevices will in general be agonizing and difficult to mend. Huge stool makes the anal hole stretch; the stool generally turns out to be hard a direct result of blockage and holding solid discharges in. In pregnant ladies anal crevices will in general be more normal as they appear to hold stool in and have more clogging issues instead of men. Anal gaps happen nearest to the spine region where the skin is the most slender.

Crevices can likewise be brought about by a specialist’s apparatus. A few specialists despite the fact that they take care when working in the anal area may incidentally tear the anal coating. This is another reason which isn’t so normal in individuals however can happen. Crevices may likewise cause skin labels to happen around the lower part of the rear-end. Gaps in the rear-end by and large set aside a long effort to recuperate as there is no typical organs in the zone which are discovered wherever else on the body. Anal gaps will in general tear open effectively which makes them be extremely difficult and makes setting off to the washroom a bad dream for a few.

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The Concept of a Higher Power for Adult Children

INTRODUCTION

Seeing, as has often been said, is believing. Because God or a Higher Power of a person’s understanding is invisible, however, this adage contains a limitation. What cannot be seen, yet exists, can only be channeled through faith, perhaps prompting a 성인용품 new philosophy-that is, what a person can see does not necessarily require belief, but what he cannot does.

The first applies to aspects of the finite, physical word, while the second applies to the infinite, spiritual one. Yet it is about the latter that the brain, with its equally finite, physical limitations, poses the greatest obstacle.

For adult children, who may have been shattered by an abandoning, abusive, alcoholic, shaming, controlling, and dysfunctional upbringing, and often views a Higher Power as another parent-representing authority figure, this is an additional obstacle to this belief/faith parameter. Yet, threshold to recovery in any twelve-step program is the necessity of the very difficult-to-achieve belief, as expressed by the second step: “(We) came to believe that a power greater than ourselves could restore us to sanity.”

This only begs the question: what if they do not? That very aspect can become the fulcrum upon which a twelve-step program will teeter towards success. This article examines the obstacles to the understanding of God and who, without distortions and misinterpretations, He really is.

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Rotary Power – Use Only Rotary Engine Specialists

For a few, rotary motors are only an oddity, for others a lifestyle. Initially planned and created by Felix Wankel, a German designer in the 1950’s, the rotary has been created to work in numerous applications, yet most as often as possible and effectively by Mazda of Japan.

The Wankel planned 회전형딜도 delivers essentially more force than the nearly estimated cylinder motor, indeed they rate the real cc size as twofold. Subsequently a motor with 1300 cc is estimated as a 2600 cc engine. Not at all like cylinder motors which most mechanics are prepared to chip away at, this doesn’t help them much whenever called to take a shot at a rotary. That is the reason they should be rotary motor masters with exact preparing on the most proficient method to administration and fix them effectively.

The main creation vehicles that got Wankel planned rotary motors were vehicles made by the NSU organization from Germany. Be that as it may, these end up being questionable and required successive rotary modify work to be attempted. Toyo Kogyo (Mazda) got intrigued by the motors during the 1960’s and went to a concurrence with Wankel to manufacture them under permit for use in different Mazda vehicles. The Cosmo was the primary model to get a Japanese fabricated rotary, known as a L10A and around 2000 of these vehicles were assembled.

The following model was the R100, a little roadster and car which Mazda utilized underway vehicle dashing with energizing outcomes. It was this achievement that started interest in how rotary force was created and why this made them the ideal motor for hustling.

Rotary motor masters have had the option to build up the motor through change of the channel ports and fumes ports by making them bigger. This has permitted more fuel and air to enter the motor, and the fumes gasses to get away from all the more openly. The expansion in rotary force by doing these alterations can be as high as 200 %. Much more noteworthy increments are conceivable by utilizing turbochargers or superchargers.

While generally basic in plan and with much less moving parts than a cylinder motor, they are unquestionably a particular bit of hardware requiring talented experts to complete work on them.

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Online Casino – Entertainment at Its Best

Online Casino – Entertainment at Its Best

  

The online casino industry is showing no signs of slowing down. It seems more and more people are trying casino games online every day. The reasons for its vast popularity is simple – online casino players get more for their dollar than visiting a brick and mortar casino. The fact is you would never do that, let alone imagine it. The brick and mortar       เว็บแทงบอล   casinos have one golden rule in place – make sure you have REAL money before entering. Sure some of these casinos offer VIP clubs on certain casino games, most will have a huge progressive jackpot situated on the casino floor and some will even offer luxury prizes like cars and trips. However, for all of this you need to drop cash on the tables first – nothing is free in Vegas.

There are several different reasons why online casino games are soaring in popularity; however one stands out from the rest and that is you get to play for FREE first. Some of the best casinos online offer free game play and almost all allow you to download the software for free. Another reason for its popularity is deposit bonuses, or welcome bonuses. The online casino world is highly competitive and many compete for your attention in the best way they know how – by offering players free resources, free play and even free money.

By visiting an online casino, players can expect several perks including VIP programs. The best part of online VIP programs is most will allow you to instantly join the minute you deposit a small fee. These VIP programs also offer incredible prizes including trips and the chance to exchange points for real cash. So, in retrospect the more you play casino online the more money you can make through a VIP program.

When it comes to casino games, you will find all of your favorites including Blackjack, Video Poker, Keno, Scratch Cards and even massive progressive slots. Jackpots for progressive slots have been known to reach the millions online. The online casino even promotes the winners names and/or photos so you can get a look at their happy faces. The next big perk about playing casino online is the bonuses for just signing up. For example, the best casino will offer you in excess of $1000 FREE for just signing up. This way they start your bankroll for you so you can continue to be entertained. Of course there are terms and conditions before withdrawing any monies. If all the online casinos just threw away thousands of dollars it wouldn’t be the billion dollar industry it is today. This doesn’t mean you don’t win – in fact online casinos success is based on the fact that it does produce major winners. Take the Poker pros for example; pros like Phil Ivey have become millionaires by simply playing poker online.

Finding the best casino online howev

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5 Leadership Lessons From Despicable Me

5 Leadership Lessons From Despicable Me

I recently went to watch the animated movie Despicable Me. It was funny, cute, and had a number of overarching lessons. The basic premise is Gru (the main character) is an aging villain and he’s trying to get on top of his game in the face of younger, more    GRU   hip villains. He hatches a plan to enlist 3 young girls as pawns in his evil plot, but things happen unexpectedly…to say the least.

As I was watching this movie, I couldn’t help but notice the amazing leadership lessons that were littered throughout it. I am slow to believe it was written with an emphasis on leadership, so I simply accepted that because of my profession I chose to see things through my own set of filters.

Lesson #1 – Nothing of any magnitude or of any great significance can be accomplished alone. Gru had little helpers (you may have seen them on the IHOP commercials) called “minions”. It was only through their dedication that things kept running behind the scenes.

Lesson #2 – You will always have someone who is trying to do something similar; leverage that. Most of the tension between Gru and his nemesis in the film was because they chose to work against each other instead of with each other. Co-opetition can be infinitely better than competition under the right circumstances.

Lesson #3 – At some point in your leadership you will be forced to make a decision between what is right and what is a “part of your plan”. Gru was faced with this decision and unfortunately chose the “part of your plan” bit. He accomplished his goals, but lost something of greater value in the process. There are times when it is better to take the road less traveled and believe that it is just the right thing to do. What good is an accomplished goal if no one is there to celebrate it with you?

Lesson #4 – When you stop using people as a tool to complete a task and begin to appreciate them for who they are, amazing things happen. Initially, Gru wanted to use these 3 young girls as pawns in his evil plot. As he made changes in his approach to how he dealt with these young girls, his life took a very different turn.

Lesson #5 – When you give to others, what you receive in return is absolutely incredible. Gru, in his own awkward way, began to give instead of take. The change that came from this decision was truly transformative in his life.

As leaders, we all have frequent opportunities to utilize these 5 lessons. We don’t have to, but they sure will make our journey much more pleasant. Look for ways to implement these 5 lessons in how you do leadership. It doesn’t need to be about something you do, let it become a paradigm shift in your mentality and how you do life. Look for ways to implement these 5 lessons in how you do leadership. Take it from a villain with a difficult family background; there is always hope no matter how despicable you have been.

William Powell is the founder of William Powell Coaching and is passionate about helping leaders become more authentic in how they do life and leadership. He works with individuals and organizations to help develop a culture of success and innovation.

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microdose shrooms

Psychedelics have typically been associated with marked alterations in cognition, affect, perception, and neurophysiology Individuals who have taken psychedelics typically describe pronounced changes in visual and auditory microdose shrooms perception, accompanied by vivid imaginative experiences and intense emotions. This is not the case with microdosing. Microdosing is frequently described as involving a ‘sub-threshold’ dose That is, individuals aim to identify a dose at which they do not feel ‘high’. In other words, when microdosing there are only minimal identifiable acute drug effects.

People follow a variety of different schedules when microdosing, sometimes taking a dose each day but much more frequently interspersing dosing days with rest days. One common schedule is to microdose every three days The idea behind this regimen is that there may be a residual effect from each microdose that lasts one to two days afterwards. Most popular press stories on microdosing have mentioned this three day cycle

Despite the reported lack of acute effects of microdosing, proponents claim a wide variety of psychological and social benefits from regular microdosing, including increases in vitality, creativity, productivity, social ability, focus, analytic thinking, positive mood, memory, mindfulness and general wellbeing Microdosing is thus a curious phenomenon: on the one hand advocates deny experiencing the alterations in consciousness that characterise typical doses, yet claim significant psychological benefits from regular use.

The earliest occurrence of microdosing is unknown. Anthropological reports indicate that many traditional cultures incorporated use of psychedelic plants such as peyote, morning glory seeds and psilocybin containing mushrooms into many aspects of daily life ]. These substances were used as a catalyst for ritual religious experience but also used at lower doses as an aphrodisiac, to reduce hunger, inspire courage, nullify pain, and to treat ailments such as gout and syphilis [ These uses highlight that although psychedelics are now commonly associated with marked alterations in consciousness, they also have also been used historically at low doses for therapeutic benefits and functional enhancement.

The modern practice of microdosing is quite a recent phenomenon. Albert Hofman, the discover of LSD, mentioned the use of very low doses of LSD (25 micrograms) in passing during in a 1976 interview [ but we have not been able to identify any other records from Dr Hofman or his contemporaries describing microdosing. Stanislav Grof developed psycholytic psychotherapy [as a form of psychedelic assisted therapy that involved small amounts of LSD, but the lower range for doses was over 100 micrograms—considerably higher than contemporary microdosing. There was no formal research on microdosing prior to the prohibition of psychedelic research in 1966.

The current popularity of microdosing can be traced back to a book, The Psychedelic Explorers Guide by James Fadiman This was the first publication to describe microdosing in detail. Fadiman outlined the purported benefits of regular microdosing, with a recommendation to follow a three-day cycle, and guidelines for appropriate doses. This publication also contained a collection of case reports from individuals about their microdosing experiences, emphasising positive improvements in creativity, focus, affect, and relationships. In the years following this publication, a number of news articles appeared reporting on the growing interest in microdosing. The first major publication to report on the phenomenon was Rolling Stone [16]. This article triggered considerable popular media interest in microdosing psychedelics that has led to over 1200 news articles on the topic since that time. Many stories in the popular press have focused on microdosing as tool for increased productivity, particularly for people working in the technology sector [1719]. This sudden high level of almost exclusively positive news coverage has been accompanied by the emergence of multiple communities of microdosers on social media. For example, a forum on microdosing on reddit.com has over 24,000 members who report on their experiences and compare notes on methodologies, outcomes and protocols. The comprehensive news coverage and active online communities of microdosers have led to a situation where large numbers of individuals are experimenting with microdosing, with the expectation that this practice leads to substantial psychological and wellbeing benefits.

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How Good Is JavaScript for Building a Large Scale Web Application?

How Good Is JavaScript for Building a Large Scale Web Application?

  

According to the most recent statistics posted on w3techs.com, more than 89% of websites currently use JavaScript as a client-side programming language. As a cross-platform and  javascript lightweight programming language, JavaScript makes it easier for programmers to build responsive websites and web applications that work with seamlessly with popular web browsers, operating systems and devices. It is also widely used by programmers as part of the web browsers to accomplish important tasks like browser control, user interaction, and asynchronous communication.

Also, the programmers have option to use JavaScript as a server-side scripting language through Node.js and similar runtime environment. At the same time, they also can use a variety of open source frameworks to reduce the amount of time and effort required for building JavaScript applications. It can also be used along with HTML5 and CSS for creating web applications and games. So you can always consider using JavaScript as a dynamic client-side programming language for building large scale web applications.

Advantages of Using JavaScript for Large Scale Web Application Development

Supported by Major Web Browsers

JavaScript is supported by most of the widely used web browsers including Firefox, Chrome, Internet Explorer, Safari and Opera. It is also supported by the new web browsers whose vendors have implemented JavaScript. So the users can access the web applications using JavaScript regardless of their choice of web browser. They also have option to access all functionality of the website by enabling the scripting language if it is disable due to some reason.

No Need to Use Any Specific Tools

JavaScript is an interpreted programming language. So you can easily write the code without using any specific tool or program. You can simply open a notepad, and start writing JavaScript code. Also, you have option to use a number of editors to identify the mistakes in the code. The editors colorize or reformat the script to make it easier for users to identify the errors.

Option to Reuse the Code

You can further reuse the JavaScript code across multiple pages simply by placing the code in separate files. After placing the code in a separate file, you have to save the file with.js extension. The file can be linked to multiple web pages by using the <script> tag to the HTML code of the page. The option enables you to avoid writing additional code while adding the same functionality to various parts of the website.

Many Libraries and Frameworks

You have option to reduce the time and effort required for building large JavaScript applications by using several frameworks and libraries. Many programmers prefer using dynamic JavaScript frameworks like AngularJS, Backbone, Ember and React. However, you still have option to choose from a long list of JavaScript libraries according to your specific needs. For instance, you can effectuate GUI development using widgets like DHTMLX, Bootstrap, jQuery UI, DojoWidgets or AngularJS. Likewise, you use popular template systems like jQuery Mobile, Handlebars, Mustache and Cascade Framework.

Comparatively Faster

As noted earlier, JavaScript is a client-side scripting language. So the code is executed on user’s system. As the code is executed without any server interaction, the processing is done at a comparatively faster. The faster processing enables the web application to keep the users engaged by delivering richer browsing experience.

Deliver Updated Response Data from the Server

JavaScript further uses the XmlHttpRequest API for data retrieval. The API sends HTTP or HTTPS requests to the web server, and load the response sent by the server in the script. The script can easily update the current web page based on the response data received from the server without reloading a new web page. So you can boost the web application’s performance by providing updated information to the users without reloading the web page completely.

Extend the Website’s Functionality

JavaScript makes it easier for you to extend the functionality of the web application without putting any extra effort. You can use the scripting language to create visual effects on the screen, calculate data, and make web pages more interactive. JavaScript further allows you to extend the website’s functionality by using third-party scripts. The flexibility makes it easier for you to add out-of-box features to the web application without using any additional plug-ins or tools.

Reduces Load on Server

The server-side scripting languages require the web server to process the user request before response is sent to the user. So the process required additional time despite the user having a high-speed internet connection. But the JavaScript code is processed on the user’s machine, without interacting with the web browser. Thus, the strain and load on the web server is reduced drastically, while the user gets quick response. You can use JavaScript while building large scale websites to provide faster response to users without putting excess strain on the server.

Optimizes Local Caching

JavaScript can be used along with HTML5 to enable users to access websites even when there is not active internet connection. The technologies are effective in caching data locally, and keep the web application responsive till the internet connection is restored. You can even use tools like Kendo UI DataSource to track changes made to an object locally, and upload the changes to the web server once the network connection is restored. The option enables you to make the web applications work just like mobile apps.

Works with Other Web Technologies

As mentioned earlier,  can be used as both client side and server side scripting language. At the same time, you also have option to use JavaScript as a client side technology along with some of the widely used web technologies like PHP, Perl and Java. The scripting language is also used widely along with HTML5 and CSS for developing responsive websites accessible on a variety of devices using the same code base.

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On Your Marks, Get Set, Africa!

On Your Marks, Get Set, Africa!

In the face of declining world markets and the lack of prospects in the West, Africa is looking more and more like a place to do business.

Africa, with all its angst and chaotic history and struggle with social upheaval is showing a resilience and sense     Africa   of survival at which we can marvel.

The International Monetary Fund anticipates emerging economies in general and Africa in particular will expand by 4.5% this year and 4.8% in 2013. An interesting indicator has been residential property values, which, on average, rose by 8% in 2011. (AFDB Statistics) Economic growth is expected to continue despite recessionary trends in some parts of the world.

Although income disparities exist across Africa an authentic middle class is evolving. It is estimated that sixty million African households have annual incomes greater than $3,000 at market exchange rates. By 2015, that number is expected to reach a hundred million.

Urbanisation is pushing up demand for all kinds of real estate: office space, retail complexes and of course, housing. The growth of, and potential for, infrastructure projects abounds. This has the positive spins off for labour too.

South African business, it could be said, is scrambling. Recently Resilient, known for its successful serial development of non-metropolitan shopping malls outside of the major urban nodes, expressed dissatisfaction with local red tape and revealed it would spend more than 1 billion rand building 10 shopping malls in Nigeria. The malls, 10,000 square meters and 15,000 square meters in size, will be built over the next three years in the capital, Abuja, and the city of Lagos respectively, the main commercial hubs. Shoprite, Africa’s largest food retailer, will be the major tenant.

Wal-Mart-owned Massmart last month said it would invest in African growth and hoped to grow its food retail business from about R7bn to about R20bn over the next five years. But it’s South African food retailers Shoprite and Pick n’ Pay’s whose sites are firmly set on Africa. Pick n Pay has increased its African growth, using R1,4bn from the sale of Franklins in Australia.

Shoprite, which has only about 123 stores in Africa compared to about 1730 locally, says another 174 stores will be added in Africa next year. Pick n’ Pay on the other hand is aiming to expand into Malawi and the DRC within the year. The food retailer has over 93 stores in Africa North of South Africa. Zambia and Zimbabwe are on the cards for expansion. Woolworth, not to be outdone has opened 14 stores through its Enterprise Development Programme in Nigeria, Uganda, Zambia, Kenya, Mauritius, Tanzania and Mozambique. Woolworths currently has a presence in 12 countries with nearly 60 stores across Africa, excluding South Africa.

Further investment in the African playing field could come in the form of buy-outs of South African food retailers by the likes of Tesco, Carrefour and Metro. Wal-Mart’s consumption of Massmart has already been well publicised.

On a slightly different tack, Don’t Waste Services (DWS), the largest on-site waste management company in South Africa, has publicized their intention to open affiliates in Botswana, Kenya, Zambia, Mauritius and Swaziland. The company – is active in the mining, retail, hospitality, healthcare and large industry markets and currently provides waste minimisation services to 300 corporate clients across their portfolios of sites. Having recently expanded into Mauritius, the company is keen to duplicate their successful model in other African countries.

On the real estate front JHI Properties Zimbabwe has added another 15 properties to its portfolio of over 50 since it is to manage unlisted property investment fund, Ascendant Property Fund (APF). JHI has already expanded from its South African home base into Zambia, Ghana, Namibia, Botswana, Lesotho and Nigeria. This further expansion comes as Zimbabwe is experiencing exceptional growth in the retail market at a rate of some nine per cent plus year on year. APF CEO Kura Chihota anticipates actively pursuing growth in Zimbabwe. “With Zimbabwe’s anticipated economic growth rate of nine per cent per annum, prospects look promising.” said Chihota recently.

JHI Properties was also appointed as the leasing agents for Joina City, a new upmarket ‘urban city’ in Harare incorporating four floors of retail with 18 floors of offices. Anchor tenants include big South Africa names Spar and Edgars.

Bringing us to Bigan. Bigan, that brought us Mombela Stadium in Nelspruit, Olievehotbosch Ministerial housing projects, the Oliver Tambo International Pier Project and ESKOM Coal Hauleage Road Repair, is negotiating partnering with Ghanaian real estate companies to build affordable houses for the poor and middle income earners.

Ghana’s housing deficit stands at about 1.5 million units. Bigan believes it has the capacity to deliver and help reduce Ghana’s housing deficit. Based on their experience in South Africa, Bigan’s Emmanuel Kere believes that the company can “support not only the (housing) sector in Ghana but infrastructure development in general.”

Bigan claims to build 30 000 houses in South Africa annually and has a lot to offer Ghanaian companies. Chairman of Bigen Africa, Dr Iraj Abedian said that the company was attracted to Ghana because of the country’s stable political environment and friendly business atmosphere. Bigan makes no apology that it intends to use Ghana as a springboard to launch operations into Senegal, Liberia, Nigeria and Sierra Leone.

The South African government is not exempt from taking an active role in the scramble for Africa either. The Public Investment Corporation (PIC), which manages over a trillion rand on behalf of civil servants, which accounts for 10% of SA’s JSE market capitalisation, is looking for potential private equity partners. 10% of the portfolio is to be invested outside South Africa, R50 billion is reserved for African investment. 60% of that, about R30 billion, will go to private equity according to PIC CEO Elias Masilela in an interview with Reuters. The PIC is likely to be a player in infrastructure investments as countries on the continent build and revamp their roads, dams, hospitals and power stations, he said.

Standard bank which has a presence in 18 African countries weighs in on infrastructure. In an interview with Goldman Sachs’s Hugo Scott-Gall, Sim Tshabalala deputy CEO of the Standard Bank Group said: “in most of sub-Saharan Africa infrastructure has all but collapsed, or is limited. It has to be rebuilt, so there are massive opportunities in project finance. A lot of infrastructure will be refurbished, mainly with support from the Brazilians and the Chinese. The link we have with ICBC (Industrial and Commercial Bank of China) also helps us identify opportunities and execute on them. In our case, ICBC is a 20% shareholder.”