69 Dirty Talk Messages to Crank Up Your Texting Life

The ability to text message from ANYWHERE on the planet is something new, and gives relationships something they’ve never had before…the ability to keep our relationships exciting, even if we are separated from our lovers.

Now the hard part is trying to be creativity and erotic on your own. While sometimes it just rolls off the tongue, and thinking of what to say is quite easy. Other times, you might receive a sexy message and be dumbfounded on how to respond.

Below is a list of dirty talk messages that should be used when you can’t see the person you want, and your goal is to make them think OBSESS about you and the fact they can’t have you right now.

Some of these dirty talk messages are fun, some are serious, so use them wisely and don’t randomly use them. Sometimes humor when you’re having a seriously sexy chat can spoil the mood.

1. Hi. I’m horny.

2. I just thought about how awesome you are. And how awesome I am. Let’s hook up!

3. If you were the new burger at McDonalds you would be the McSexy!

4. You’re so f’n sexy!!

5. I want you right NOW.

6. The thought of you is turning me on!

7. Can you send me a picture so I can show Santa what I want for Christmas?

8. I can’t wait to see you later

9. You are SO hot

10. I love your body

11. I’ve been thinking about you ALL day

12. You make me want to do BAD things to you…and myself;)

13. I’m so h*rd/w3t right now

14. I would give anything to be with you right now!

15. I’ll be waiting for you later…naked;)

16. You can do whatever you want

17. The fact I can’t have you right now makes me want you MORE

18. What would YOU do to ME?

19. I’ve never been so turned on by someone!

20. I’ve NEVER wanted someone like I want you

21. You’d look so hot going down on me:)

22. No one does me like you!

23. I want you so bad I don’t notice anyone else

24. I’ve never met someone who turns me on like you!

25. You have the nicest a$$ on the planet, is it real?

26. Hey I just realized this, but you look a lot like my next girlfriend/boyfriend!

27. What are you wearing?

28. Your body makes me happy

29. I’m not wearing any underwear… maybe I can wear you later

30. Hello, I’m a thief, and I’m here to steal your heart.

31. Can I please be your slave tonight?

32. Do you know, your hair and my pillow are perfectly color coordinated?

33. God must have been in a very good mood the day we met.

34. I think I could fall madly in bed with you.

35. I want to melt in your mouth, not in your hand.

36. I wonder what our children will look like.

37. I’d like to name a multiple orgasm after you!

38. I’ll cook you dinner if you cook me breakfast.

39. I’ve got a condom with your name on it.

40. Picture this, you, me, bubble baths, and a bottle of champagne.

41. What do you like for breakfast?

42. Why don’t you surprise your roommate and not come home tonight???

43. Will you marry me for just one night?

44. Can I buy you a drink, or do you just want the money?;)

45. Don’t be so picky… I wasn’t! Just kidding, I love you

46. You want me. I can smell it.

47. Damn…..your ass is fine! Want to come see mine?

48. You’re like pizza. Even when you’re bad, you’re good.

49. I would lose my wallet just to see you right now

50. I’m in one of those ‘you could do whatever you want moods’ too bad you’re not here

51. Got any raisins? (No.) Then how about a date?

52. Milk does the body good, but damn how much did you drink?

53. Do you sleep on your stomach? (yes/no) Can I?

54. You so fine!

55. I say we Déjà vu last night all over again later?

56. Hi. My name is (name). I’ll be your play toy tonight.

57. Are you a virgin? (No.) Prove it!

58. My bedroom has a very interesting ceiling…

59. So what did you think of me last night? Pretty fantastic eh?

60. You’re on my list of things to do tonight.

61. OH GOD! OH GOD! Just practicing;)

62. Do you know how to use a whip? hehe

63. I’m drunk:)

64. Didn’t anyone tell you that you wanted to sleep with me??? I thought you knew!

65. Hey babe, wanna get LUCKY!?

66. Your place or mine?

67. You *will* come home with me tonight (Jedi mind trick)

68. I’m gay, think you can convert me?

69. I’m just looking for a friend with benefits (Uhm?) No not sex. A car, nice stuff, etc. Get your mind out of the gutter.

As always we had a lot of fun putting together this list. We know that we’ve missed some GREAT dirty talk lines so please feel free to comment some of your favorite messages.

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Dress Hangers – A Wise Investment For Every Wardrobe

Hangers were invented in the early 1900s, when Albert J. Parkhouse twisted a wire to use for hanging coats. A century later, shoppers can find a plethora of hanger types, including dress hangers.

More than a handy tool for holding clothes while in storage, a dress hanger is also an accessory that helps an item of clothing maintain its form. This is especially true for dresses, which require additional support to keep the garment in shape.

Options for dress hanger selections include the wood, metal or acrylic varieties, which offer a distinct look as well as strength. The wooden type appears classy and natural, with colors that range from taupe to chestnut and to dark brown. Metals are known for their remarkable durability, but select makers of plastic hangers have become popular in recent years for developing a sturdier – even touted as 'unbreakable' – line.

For that extra touch of fabric care, shoppers can also opt for dress hangers that come with fabric padding made of velvet, linen or satin finish. This type is perfect for dresses that are crafted using lace, silk, taffeta and similar fabrics that can be sentenced to damage. Clips, stay-on details and drop and bar attachments may likewise be added to address particular clothing display needs.

Investing in good hangers is a wise decision not just for women with an extensive wardrobe, but also for clothing store owners that need reliable garment storage and display accessories. A hanger can even serve to market a company's brand, through the artful use of logos that are etched, printed or embossed onto its surface. High-quality dress hangers can contribute to the creation of a shopper-friendly vibe in stores, and even make the merchandise become even more appealing.

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Building a Kingdom – Case Study of Kingdom Financial Holdings Limited

This article presents a case study of sustained entrepreneurial growth of Kingdom Financial Holdings. It is one of the entrepreneurial banks which survived the financial crisis that started in Zimbabwe in 2003. The bank was established in 1994 by four entrepreneurial young bankers. It has grown substantially over the years. The case examines the origins, growth and expansion of the bank. It concludes by summarizing lessons or principles that can be derived from this case that maybe applicable to entrepreneurs.

Profile of an Entrepreneur: Nigel Chanakira

Nigel Chanakira was raised in the Highfield suburb of Harare in an entrepreneurial family. His father and uncle operated a public transport company Modern Express and later diversified into retail shops. Nigel’s father later exited the family business. He bought out one of the shops and expanded it. During school holidays young Nigel, as the first born, would work in the shops. His parents, particularly his mother, insisted that he acquire an education first.

On completion of high school, Nigel failed to enter dental or medical school, which were his first passions. In fact his grades could only qualify him for the Bachelor of Arts degree programme at the University of Zimbabwe. However, he “sweet-talked his way into a transfer” to the Bachelor in Economics degree programme. Academically he worked hard, exploiting his strong competitive character that was developed during his sporting days. Nigel rigorously applied himself to his academic pursuits and passed his studies with excellent grades, which opened the door to employment as an economist with the Reserve Bank of Zimbabwe (RBZ).

During his stint with the Reserve Bank, his economic mindset indicated to him that wealth creation was happening in the banking sector therefore he determined to understand banking and financial markets. While employed at RBZ, he read for a Master’s degree in Financial Economics and Financial Markets as preparation for his debut into banking. At the Reserve Bank under Dr Moyana, he was part of the research team that put together the policy framework for the liberalization of the financial services within the Economic Structural Adjustment Programme. Being at the right place at the right time, he became aware of the opportunities which were opening up. Nigel exploited his position to identify the most profitable banking institution to work for as preparation for his future. He headed to Bard Discount House and worked for five years under Charles Gurney.

A short while later the two black executives at Bard, Nick Vingirayi and Gibson Muringai, left to form Intermarket Discount House. Their departure inspired the young Nigel. If these two could establish a banking institution of their own so could he, given time. The departure also created an opportunity for him to rise to fill the vacancy. This gave the aspiring banker critical managerial experience. Subsequently he became a director for Bard Investment Services where he gained critical experience in portfolio management, client relationships and dealing within the dealing department. While there he met Franky Kufa, a young dealer who was making waves, who would later become a key co-entrepreneur with him.

Despite his professional business engagement his father enrolled Nigel in the Barclays Bank “Start Your Own Business” Programme. However what really made an impact on the young entrepreneur was the Empretec Entrepreneur Training programme (May 1994), to which he was introduced by Mrs Tsitsi Masiyiwa. The course demonstrated that he had the requisite entrepreneurial competences.

Nigel talked Charles Gurney into an attempted management buy-out of Bard from Anglo -American. This failed and the increasingly frustrated aspiring entrepreneur considered employment opportunities with Nick Vingirai’s Intermarket and Never Mhlanga’s National Discount House which was on the verge of being formed – hoping to join as a shareholder since he was acquainted with the promoters. He was denied this opportunity.

Being frustrated at Bard and having been denied entry into the club by pioneers, he resigned in October 1994 with the encouragement of Mrs Masiyiwa to pursue his entrepreneurial dream.

The Dream

Inspired by the messages of his pastor, Rev. Tom Deuschle, and frustrated at his inability to participate in the church’s massive building project, Nigel sought a way of generating huge financial resources. During a time of prayer he claims that he had a divine encounter where he obtained a mandate from God to start Kingdom Bank. He visited his pastor and told him of this encounter and the subsequent desire to start a bank. The godly pastor was amazed at the 26 year old with “big spectacles and wearing tennis shoes” who wanted to start a bank. The pastor prayed before counselling the young man. Having been convinced of the genuineness of Nigel’s dream, the pastor did something unusual. He asked him to give a testimony to the congregation of how God was leading him to start a bank. Though timid, the young man complied. That experience was a powerful vote of confidence from the godly pastor. It demonstrates the power of mentors to build a protégé.

Nigel teamed up with young Franky Kufa. Nigel Chanakira left Bard at the position of Chief Economist. They would build their own entrepreneurial venture. Their idea was to identify players who had specific competences and would each be able to generate financial resources from his activity. Their vision was to create a one – stop financial institution offering a discount house, an asset management company and a merchant bank. Nigel used his Empretec model to develop a business plan for their venture. They headhunted Solomon Mugavazi, a stockbroker from Edwards and Company and B. R. Purohit, a corporate banker from Stanbic. Kufa would provide money market expertise while Nigel provided income from government bond dealings as well as overall supervision of the team.

Each of the budding partners brought in an equal portion of the Z$120,000 as start-up capital. Nigel talked to his wife and they sold their recently acquired Eastlea home and vehicles to raise the equivalent of US$17,000 as their initial capital. Nigel, his wife and three kids headed back to Highfield to live in with his parents. The partners established Garmony Investments which started trading as an unregistered financial institution. The entrepreneurs agreed not to draw a salary in their first year of operations as a bootstrapping strategy.

Mugavazi introduced and recommended Lysias Sibanda, a chartered accountant, to join the team. Nigel was initially reluctant as each person had to bring in an earning capacity and it was not clear how an accountant would generate revenue at start up in a financial institution. Nigel initially retained a 26% share which assured him a blocking vote as well as giving him the position of controlling shareholder.

Nigel credits the Success Motivation Institute (SMI) course “The Dynamics of Successful Management” as the lethal weapon that enabled him to acquire managerial competences. Initially he insisted that all his key executives undertake this training programme.

Birth of the Kingdom

Kingdom Securities P/L commenced operations in November 1994 as a wholly owned subsidiary of Garmony Investments (Pvt) Ltd. It traded as a broker on both money and stock markets.

On 24th February 1995 Kingdom Securities Holding was born with the following subsidiaries: Kingdom Securities Ltd, Kingdom Stockbrokers (Pvt) Ltd and Kingdom Asset Managers (Pvt) Ltd. The flagship Kingdom Securities Ltd was registered as a Discount House under Banking Act Chapter 188 on 25th July 1995. Kingdom Stockbrokers was registered with the Zimbabwe Stock Exchange under ZSE Chapter 195 on 1st August 1995. The pre-licensing trading had generated good revenue but they still had a 20% deficit of the required capital. Most institutional investors turned them down as they were a greenfield company promoted by people perceived to be “too young”. At this stage National Merchant Bank, Intermarket and others were on the market raising equity and these were run by seasoned and mature promoters. However Rachel Kupara, then MD for Zimnat, believed in the young entrepreneurs and took up the first equity portion for Zimnat at 5%.

Norman Sachikonye, then Financial Director and Investments Manager at First Mutual followed suit, taking up an equity share of 15%. These two institutional investors were inducted as shareholders of Kingdom Securities Holdings on 1st August 1995. Garmony Investments ceased operations and reversed itself into Kingdom Securities on 31st July 1995, thereby becoming an 80% shareholder.

The first year of operations was marked by intense competition as well as discrimination against new financial institutions by public organisations. All the other operating units performed well except for the corporate finance department with Kingdom Securities, led by Purohit. This monetary loss, differing spiritual and ethical values led to the forced departure of Purohit as an executive director and shareholder on 31st December 1995. From then the Kingdom started to grow exponentially.

Structural Growth

Nigel and his team pursued an aggressive growth strategy with the intention of increasing market share, profitability, and geographic spread while developing a strong brand. The growth strategy was built around a business philosophy of simplifying financial services and making them easily accessible to the general public. An IT strategy that created a low cost delivery channel exploiting ATMs and POS while providing a platform that was ready for Internet and web-based applications, was espoused.

On 1st April 1997, Kingdom Financial Services was licensed as an accepting house focusing on trading and distributing foreign currency, treasury activities, corporate finance, investment banking and advisory services. It was formed under the leadership of Victor Chando with the intention of becoming the merchant banking arm of the Group. In 1998, Kingdom Merchant Bank (KMB) was licensed and it took over the assets and liabilities of Kingdom Securities Limited. Its main focus was treasury related products, off-balance sheet finance, foreign currency and trade finance. Kingdom Research Institute was established as a support service to the other units.

The entrepreneurial bankers, cognisant of their limitations, sought to achieve critical mass quickly by actively seeking capital injection from equity investors. The aim was to broaden ownership while lending strategic support in areas of mutual interest. An attempt at equity uptake from Global Emerging Markets from London failed. However in 1997 the efforts of the bankers were rewarded when the following organisations took up some equity, reducing the shareholding of executive directors as shown below: ïEUR Ipcorn 0.7%, ïEUR Zambezi Fund Mauritius P/L 1.1%, ïEUR Zambezi Fund P/L 0.7%. ïEUR Kingdom Employee Share Trust 5%, ïEUR Southern Africa Enterprise Development Fund – 8% redeemable preference shares amounting to US$1,5m as the first investee company in Southern Africa from the US Fund initiated by US President Bill Clinton, ïEUR Weiland Investments, a company belonging to Mr Richard Muirimi, a long standing friend of Nigel and associate in the fund management business took up 1.7%, Garmony Investments 71.7% -executive directors. ïEUR After a rights issue Zimnat fell to 4.8% while FML went down to 14.3%.

In 1998, Kingdom launched four Unit Trusts which proved very popular with the market. Initially these products were focused at individual clients of the discount house as well as private portfolios of Kingdom Stockbroking. Aggressive marketing and awareness campaigns established the Kingdom Unit Trust as the most popular retail brand of the group. The Kingdom brand was thus born.

Acquisition of Discount Company of Zimbabwe (DCZ)

After a spurt of organic growth, the Kingdom entrepreneurs decided to hasten the growth rate synergistically. They set out to acquire the oldest discount house in the country and the world, The Discount Company of Zimbabwe, which was a listed entity. With this acquisition Kingdom would acquire critical competences as well as achieve the much coveted ZSE listing inexpensively through a reverse listing. Initial efforts at a negotiated merger with DCZ were rebuffed by its executives who could not countenance a forty year old institution being swallowed up by a four year old business. The entrepreneurs were not deterred. Nigel approached his friend Greg Brackenridge at Stanbic to finance and effect the acquisition of the sixty percent shares which were in the hands of about ten shareholders, on behalf of Kingdom Financial Holdings but to be placed in the ownership of Stanbic Nominees. This strategy masked the identity of the acquirer. Claud Chonzi, the National Social Security Authority (NSSA) GM and a friend to Lysias Sibanda (a Kingdom executive director), agreed to act as a front in the negotiations with the DCZ shareholders. NSSA is a well known institutional investor and hence these shareholders may have believed that they were dealing with an institutional investor. Once Kingdom controlled 60% of DCZ, it took over the company and reverse listed itself onto the Stock Exchange as Kingdom Financial Holdings Limited (KFHL). Because of the negative real interest rates, Kingdom successfully used debt finance to structure the acquisition. This acquisition and the subsequent listing gave the once despised young entrepreneurs confidence and credibility on the market.

Other Strategic Acquisitions

Within the same year Kingdom Merchant Bank acquired a strategic stake in CFX Bureau de Change owned by Sean Maloney as well as another stake in a greenfield microlending franchise, Pfihwa P/L. CFX was changed into KFX and used in most foreign currency trading activities. KFHL set as a strategic intention the acquisition of an additional 24.9% stake in CFX Holdings to safeguard the initial investment and ensure management control. This did not work out. Instead, Sean Maloney opted out and took over the failed Universal Merchant Bank licence to form CFX Merchant Bank. Although Kingdom executives contend that the alliance failed due to the abolition of bureau de change by government, it appears that Sean Maloney refused to give up control of the extra shareholding sought by Kingdom. It therefore would be reasonable that once Kingdom could not control KFX, a fall out ensued. The liquidation of this investment in 2002 resulted in a loss of Z$403 million on that investment. However this was manageable in light of the strong group profitability.

Pfihwa P/L financed the informal sector as a form of corporate social responsibility. However when the hyperinflationary environment and stringent regulatory environment encroached on the viability of the project, it was wound up in early 2004. Kingdom pursued its financing of the informal sector through MicroKing, which was established with international assistance. By 2002 MicroKing had eight branches located in the midst of, or near, micro-enterprise clusters.

In 2000, due to increased activity on the foreign currency front within the banking sector, Kingdom opened a private banking facility through the discount house to exploit revenue streams from this market. Following market trends, it engaged the insurance company AIG to enter the bancassurance market in 2003.

Meikles Strategic Alliance

In 1999 the entrepreneurial Chanakira on advice from his executives and the legendary corporate finance team from Barclays bank led by the affable Hugh Van Hoffen entered into a strategic alliance with Meikles Africa whereby it injected some Z$322 million into Kingdom for an equity shareholding of 25%. Interestingly, the deal nearly collapsed on pricing as Meikles only wanted to pay $250 million whilst KFHL valued themselves at Z$322 million which in real terms was the largest private sector deal done between an indigenous bank and a listed corporate. Nigel testifies that it was a walk through the incomplete Celebration Church site on the Saturday preceding the signing of the Meikles deal that led him to sign the deal which he saw as a means for him to sow a whopping seed into the church to boost the Building Fund. God was faithful! Kingdom’s share price shot up dramatically from $2,15 at the time he made the commitment to the Pastor all the way to $112,00 by the following October!

In return Kingdom acquired a powerful cash-rich shareholder that allowed it entrance into retail banking through an innovative in-store banking strategy. Meikles Africa opened its retail branches, namely TM Supermarkets, Clicks, Barbours, Medix Pharmacies and Greatermans, as distribution channels for Kingdom commercial bank or as account holders providing deposits and requiring banking services. This was a cheaper way of entering retail banking. It proved useful during the 2003 cash crisis because Meikles with its massive cash resources within its business units assisted Kingdom Bank, thus cushioning it from a liquidity crisis. The alliance also raised the reputation and credibility of Kingdom Bank and created an opportunity for Kingdom to finance Meikles Africa’s customers through the jointly owned Meikles Financial Services. Kingdom provided the funding for all lease and hire purchases from Meikles’ subsidiaries, thus driving sales for Meikles while providing easy lending opportunities for Kingdom. Meikles managed the relationship with the client.

Meikles Africa as a strategic shareholder assured Kingdom of success when recapitalisation was required and has enhanced Kingdom’s brand image. This strategic relationship has created powerful synergies for mutual benefit.

Commercial Banking

Exploiting the opportunities arising from the strategic relationship with Meikles Africa, Kingdom made its debut into retail banking in January 2001 with in-store branches at High Glen and Chitungwiza TM supermarkets. The target was principally the mass market. This rode on the strong brand Kingdom had created through the Unit Trusts. In-store banking offered low cost delivery channels with minimal investment in brick and mortar. By the end of 2001, thirteen branches were operational across the country. This followed a deliberate strategy for aggressive roll-out of the branches with two flagship branches ïEUR­ïEUR one in Bulawayo and the other in Harare. There was a huge emphasis on an IT driven strategy with significant cross-selling between the commercial bank and other SBUs.

However, it was further discovered that there was a market for the upmarket clients and hence Crown banking outlets were established to diversify the target market. In 2004, after closing three in-store branches in a rationalization exercise, there were 16 in-store branches and 9 Crown banking outlets.

The entrance into commercial banking was probably held at the wrong time, considering the imminent changes in the banking industry. Commercial banking does provide cheap deposits, however at the price of huge staff costs and human resource management complications. Nigel concedes that, with hindsight, this could have been delayed or done at a slower pace. However, the need for increased market share in a fiercely competitive industry necessitated this. Another reason for persisting with the commercial banking project was that of prior agreements with Meikles Africa. It is possible that Meikles Africa had been sold on the equity take-up deal on the back of promises to engage in in-store banking, which would increase revenue for its subsidiaries.

Innovative Products and Services

KFHL continued its aggressive pursuit of product innovation. After the failure of the KFX project, CurrencyKing was established to continue the work. However this was abolished in November 2002 by government ministerial intervention when bureau de change were prohibited in an effort to stamp out parallel market foreign currency trading.

Sadly this governmental decision was misguided for not only did it fail to banish foreign currency parallel trading but it drove underground, made it more lucrative and subsequently the government lost all control of the management of the exchange rate.

In October 2002, KFHL established Kingdom Leasing after being granted a finance house licence. Its mandate was to exploit opportunities to trade in financial leases, lease hire and short term financial products.

Regional Expansion

Around 2000 it became evident that the domestic market was highly competitive, with limited prospects of future growth. A decision was made to diversify revenue streams and reduce country risk through penetration into the regional markets. This strategy would exploit the proven competences in securities trading, asset management and corporate advisory services from a small capital base. Therefore the entrance had low risk in terms of capital injection. Considering the foreign exchange control limitations and shortage of foreign currency in Zimbabwe, this was a prudent strategy but not without its downside, as will be seen in the Botswana venture.

In 2001, KFHL acquired a 25.1% stake in a greenfield banking enterprise in Malawi, First Discount House Ltd. To safeguard its investment and ensure managerial control, an executive director and dealer were seconded to the Malawi venture while Nigel Chanakira chaired the Board. This investment has continued to grow and yield positive returns. As of July 2006 Kingdom had finally managed to up its stake from 25,1% to 40% in this investment and may ultimately control it to the point of seeking a conversion of the license to a commercial bank.

KFHL also took up a 25% equity stake in Investrust Merchant Bank Zambia. Franky Kufa was seconded to it as an executive director while Nigel took a seat on the Board.

KFHL had been promised an option to gain a controlling stake. However when the bank stabilized, the Zambian shareholders entered into some questionable transactions and were not prepared to allow KFHL to up it’s stake and so KFHL decided to pull out as relationships turned frosty. The Zambian Central Bank intervened with a promise to grant KFHL its own banking license. This did not materialize as the Zambian Central Bank exploited the banking crisis in Zimbabwe to deny KHFL a licence. A reasonable premium of Z$2.5 billion was obtained at disinvestment.

In Botswana, a subsidiary called Kingdom Bank Africa Ltd (KBAL) was established as an offshore bank in the International Finance Centre. KBAL was intended to spearhead and manage regional initiatives for Kingdom. It was headed by Mrs Irene Chamney, seconded by Lysias Sibanda with the concurrence of Nigel after managerial challenges in Zimbabwe. Two other senior executives were seconded there. She successfully set up the KBAL’s banking infrastructure and had good relations with the Botswana authorities.

However, the business model chosen of an offshore bank ahead of a domestic Botswana merchant bank license turned out to be the Achilles heel of the bank more so when the Zimbabwe banking crisis set in between 2003 and 2005. There were fundamental differences in how Mrs Chamney and Chanakira saw the bank surviving and going forward.

Ultimately, it was deemed prudent for Mrs. Chamney to leave the bank in 2005. In 2001 KFHL acquired the mandate as the sole distributor of the American Express card in the whole of Africa except for RSA. This was handled through KBAL. Kingdom Private Bank was transferred from the discount house to become a subsidiary of KBAL due to the prevailing regulatory environment in Zimbabwe.

In 2004 KBAL was temporarily placed under curatorship due to undercapitalisation. At this stage the parent company had regulatory constraints that prevented foreign currency capital injection.

A solution was found in the sourcing of local partners and the transfer of US$1 million previously realised from the proceeds of the Investrust liquidation to Botswana. Nigel Chanakira took a more active management role in KBAL because of its huge strategic significance to the future of KFHL. Currently efforts are underway to acquire a local commercial bank licence in Botswana as well. Once this is acquired there are two possible scenarios, namely maintaining both licences or giving up the offshore licence.

The interviewees were divided in their opinion on this. However in my view, judging from the stakeholder power involved, KFHL is likely to give up the off shore banking licence and use the local Kingdom Bank Botswana (Pula Bank) licence for regional and domestic expansion.

Human Resources

The staff complement grew from the initial 23 in 1995 to more than 947 by 2003. The growth was consistent with the growing institution. It exploded, especially during the launch and expansion of the commercial bank. Kingdom from inception had a strong human resourcing strategy which entailed significant training both internally and externally. Before the foreign currency crisis, employees were sent for training in such countries as RSA, Sweden, India and the USA. In the person of Faith Ntabeni Bhebhe, Kingdom had an energetic HR driver who created powerful HR systems for the emerging behemoth.

As a sign of its commitment to building the human resource capability, in 1998 Kingdom Financial Services entered a management agreement with Holland based AMSCO for the provision of seasoned bankers. Through this strategic alliance Kingdom strengthened its skills base and increased opportunities for skills transfer to locals. This helped the entrepreneurial bankers create a solid managerial system for the bank while the seasoned bankers from Holland compensated for the youthfulness of the emerging bankers. What a foresight!

In-house self-paced interactive learning, team building exercises and mentoring were all part of the learning menu targeted at developing the human resource capacity of the group. Work and job profiling was introduced to best match employees to suitable posts. Career path and succession planning were embraced. Kingdom was the first entrepreneurial bank to have smooth unforced CEO transitions. The founding CEO passed on the baton to Lysias Sibanda in 1999 as he stepped into the role of Group CEO and board deputy chair. His role was now to pursue and spearhead global and regional niche financial markets. A few years later there was another change of the guard as

Franky Kufa stepped in as Group CEO to replace Sibanda, who resigned on medical grounds. One could argue that these smooth transitions were due to the fact that the baton was passing to founding directors.

With the explosive growth in staff complement due to the commercial bank project, culture issues emerged. Consequently, KFHL engaged in an enculturation programme resulting in a culture revolution dubbed “Team Kingdom”. This culture had to be reinforced due to dilutions through significant mergers and acquisitions, significant staff turnover because of increased competition, emigration to greener pastures and the age profile of the staff increased the risk of high mobility and fraudulent activities in collusion with members of the public. Culture changes are difficult to effect and their effectiveness even harder to assess.

In 2004, with a high staff turnover of around 14%, a compensation strategy that ring fenced critical skills like IT and treasury was implemented. Due to the low margins and the financial stress experienced in 2004, KFHL lost more than 341 staff members due to retrenchment, natural attrition and emigration. This was acceptable as profitability fell while staff costs soared. At this stage, staff costs accounted for 58% of all expenses.

Despite the impressive growth, the financial performance when inflation adjusted was mediocre. Actually a loss position was reported in 2004. This growth was severely compromised by the hyperinflationary conditions and the restrictive regulatory environment.

Conclusion

This article shows the determination of entrepreneurs to push through to the realisation of their dreams despite significant odds. In a subsequent article we will tackle the challenges faced by Nigel Chanakira in solidifying his investments.

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A Tour of Forex Trading Tools

In foreign exchange (forex) trading, brokerage companies offer their clients different types of tools to help them succeed. Also referred to as FX, foreign exchange markets are unique and complex. The brokerage company provides our clients with essential forex tools such as margin and pip calculators as well as a currency converter to ensure people trading in forex have a safe and secure trading experience.

Each of the brokerage company's FX tools has been specifically designed to enable customers to have the most efficient resources available, providing the most recent precise information. As a result, data streams and live prices are delivered to the broker's FX tools in real time. As a result, people trading are able to make informed trading transactions.

Calculating Margin
This FX calculator helps the person trading currency to decide on the selling price for currency pairs to attain the preferred profit margin. Depending on the specific tool provided, the trader would simply enter the trade size and select the currency pair in the preferred account currency.

Next, the person planning a trade would then enter the leakage necessary and click on the calculate button which, by design, generates the required selling price and gross margin.

Calculating Currency
The brokerage company currency converter is a simple FX tool to convert a set amount of one currency to another. It features twenty three different contexts.

The trader chooses the desired amount and the appropriate currency from the list provided. The prices are updated in real time by the brokerage company.

Next, the person trading should choose the currency that they want to convert. The next step is to use the calculate feature. The FX currency calculator then gives the value based upon the live market pricing.

Calculating Pip
A pip is the least change that can be made in a given exchange. The FX pip calculator provides the value per pip in the trader's account currency for all major currency pairs. All values ​​are based on real-time brokerage company currency rates.

A pip calculator can be an important tool in the preparation and creation of an assessment of forex trades.

The individual punches in the preferred trading amount in units, then chooses the desired currency pair. The trader then chooses the currency they wish to have the figure converted into.

Activating the calculation button obtains the pip value for the currency chosen using market prices from live forex trading.

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Is It Possible To Learn How To Earn Money Without Investment?

Learning how to earn money without investment in the online world is a tough thing to do. I know, I've been at it for 3 years and real help and advice is hard to come by. I only really began to find any real success over the last 6-8 months and guess what; it does take a little investment. But beware! The majority of sites that you will visit that claim to help you do these are usually trying to sell you something or get you on their mailing list so they can sell to you at a later date.

There is nothing wrong with this to my mind however, as long as they are pointing you towards products that will actually help you. All too often however they will sell you a product that is sub standard or only really benefits them in some way, usually financially.

I remember about 2 years ago I bought a 'turnkey' website, they claimed that I would get a blog, they would provide all the content and help me to sell thousands of dollars worth of ClickBank products. I excitedly logged into my new WordPress site that they had created for me, only to find that I could not change a bloody thing to the way I wanted it. They had links back to their main site on every page to help their rankings and the support was pretty much useless.

On top of this, I had no clue how to rank a site in Google below on page optimization and maybe doing some blog commentary. As you may have guessed, they did not tell you how to rank well either, even though they obviously knew how to rank well themselves.

I asked for my money back of course, and got most of it. (Apart from about $ 30 that I was stupid enough to part with on a useless up sell from one of their JV partners) A small loss financially but but I look at it as a lesson that I paid for. I'm just happy that I knew enough about WordPress at that time to see I was getting swindled. There are probably hundreds of who were not lucky enough to be armed with that info however and probably spent months trying to work out why they were not selling anything.

The point is this: Many will claim to be able to teach you how to earn money without investment, just to get your email address from you so that they can keep recommending products which you have to buy.

Your best bet is to find a source of honest information where you are not sold at every 5 minutes by an email auto responder.

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Bank Business Loan – Is A Bank Business Loan the Answer?

It is a fact that at one point in time or another nearly all entrepreneurs need a bank business loan, either to start up the enterprise, expend it, or to bridge difficult times when the consumer turns fickle. Of the many lenders and types of loans available, a bank business loan will probably be the best bet for starting the venture. A bank business loan is often the best way to establish and maintain your venture's credit rating, if it is fastidiously repaid.

But, if you are experiencing financial problems, is a bank business loan a good idea to use to get current on the debts? Just what is a bank business loan and what is the application procedure? A bank business loan is an unsecured loan that does not require collateral of any kind. It is based entirely upon the credit rating of all of the involved partners; the prospectus or the plan that was developed that outlines the venture, including both the financial liabilities and the anticipated income. You will have to provide well-organized and scrupulous detail, together with a good credit rating for this type of loan. A bank business loan is the primary vehicle for starting up an enterprise and gets a venture off to a good start, however it is a poor remedy for existing financial problems.

It is far better to obtain professional advice on how to deal with your financial problems. The first thing that a qualified business debt consultant will want to know is the type of loans and financial obligations make up the entire situation. If you have unsecured debts, especially a bank business loan, there is quite a bit the consultant can do to make things easier for you to repay your business debt, continue running your venture and even improve your credit rating. One solution that may be proposed is business debt consolidation, which consolidates all of the financial obligations into one account that requires just one affordable payment per month. This has been worked out by the consultant together with all of the creditors who have agreed to accept a reduced payment that is based upon a lowered interest rate.

If the financial obligation is more problematic and either represents a large amount, or has become delinquent, the consultant may recommend business debt settlement. This form of financial relief is aimed only at unsecured loans such as a bank business loan and business debt settlement can be effected in a couple of days.

With either remedy the credit rating will begin to improve almost immediately. When creditors see that a professional business debt reorganization program is being worked out, the business credit rating reflects their approval. However, it is always best to seek help before any real damage is done and to anticipate a remedy before it is actually required. With the advice of a good business debt consultant, any venture can stay on track without taking out additional bank business loans.

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You Can Get a Personal Loan After Bankruptcy

Having survived bankruptcy, you may think that your world is topsy-turvy. Well, that is not exactly true. Your declaration may leave an indelible mark on your credit history that is hard to entirely escape, but remember, you are not the only one. Over 250 thousand bankruptcy declarations are filed every three months in this nation. Many of these are due to the economic and financial turmoil the global economy that has dealt us all some hurt this last half-decade.

Joblessness, Illness, Bad Luck

The unemployment rate, perhaps poor health, or just plain old bad luck, have caused many to become behind on important monthly obligations such as housing or transportation or grocery bills. When these unpaid obligations start to pile up, they can have a snowball effect and get worse with each ensuing month. As a last resort, to protect whatever assets are still surviving, some have no other recourse than to declare bankruptcy. Having come out of bankruptcy, many should consider it as a way to wipe the slate clean and start rebuilding toward the future and improving their creditworthiness.

Up by the Boot Straps with a Personal Loan after Bankruptcy

Rebuilding your creditworthiness and your good name could very well start with taking out a personal loan. Whether taking out a secured or unsecured loan, go for it. One secret is to not stop borrowing. Just remember that an unsecured loan will charge you a higher interest rate than a secured loan. A secured loan is one that is backed by an asset you own, such as real estate or a vehicle. Whatever transpires, please do not neglect this loan in terms of repayment on time every time. You are being granted a second chance and it would be wise to not spoil it.

Potential for Repayment

Depending on factors such as collateral, salary, and even personal recommendations, personal loans are available that range from $500 to $20,000. Income will be a primary consideration when loan amounts are figured. Some financial advisers suggest that individuals who have experienced a bankruptcy can start at $5K or below for a first personal loans ensuing a bankruptcy discharge. If the need is great and the payback potential great, a loan could be higher than that.

Some Extra Help

If you have no collateral, your best bet for a personal loan after bankruptcy would be to have a financially secure cosigner. Unsecured or no-collateral loans are riskiest for lenders so interest rates will be high. To lower these rates, having a cosigner would be a good way to land a personal loan after bankruptcy. The cosigner must be aware that they are liable for the loan should you default for whatever reason.

Seek Far and Wide

Because there are so many folks who have found themselves financially strapped, there are many private lenders who have stepped in to answer the calls of the market regarding personal loans after bankruptcy. You will find a plethora of these lenders on the internet. Simply punch bankruptcy loans into your favorite search engine and you will be rewarded with many lenders willing to take a chance on bankruptcy clients. You will pay higher than usual interest rates, but you will also find that they can be lower than expected due to the competition in the market. As you can see, it is possible to get a personal loan after bankruptcy.

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Discover The Best Way To Shop For A New Car Loan

Shopping for a new car when your old one is about to give up isn’t most people’s idea of a good time. It’s not deciding what kind of car you want that’s the problem. Most people are able to think seriously and be realistic about what kind of car they can afford to own. They’ll happily settle for a sedan, even if they dream of a sports car.

However, your credit might get in the way. If you’ve got less than great credit, car dealers can make you feel like a second class citizen. They don’t want to take the risk of selling you the car you need, so they steer you towards other, less desirable models. They don’t want to waste their time on you if you are not going to qualify for financing.

Very few people have perfect credit these days. There’s always an occasion where you miss a few payments on a credit card or other bill, or get laid off from your job and have to put off the least vital bills. However, even if things are now different and you can deal with your financial responsibilities, you’ll still have that black mark on your credit.

Credit bureaus can keep the information about those missed payments on your record for a long time. When you start investigating your options for financing your new car, they’re sure to turn up. This means that you’re on the defensive, and have to relive the period when you weren’t able to live up to your responsibilities. It’s necessary for you to explain to the dealership what happened, why you weren’t able to make those payments, and to justify your ability to make them now. Here’s some information to help you do this more easily.

The first thing you should do is realistically figure out how much you can afford for your new car payment. Don’t make the mistake of being too optimistic about your ability to save money or reduce expenses. Buying a new car shouldn’t affect your quality of life. If it’s necessary to stretch your budget that thin, you should put off getting a new car until things improve.

When you are realistically figuring out your budget, remember that cars do not drive on air. You will need to put gas in them and it would be a good idea to set aside money every month for maintenance like tires, oil changes, etc.

Also, it’s important to retain a good sense of reality in regards to how much you’ll get when you trade in your car. You probably won’t get the blue book price. For instance, if your car is worth $6000 as a trade in, realize that this is only $6000 off the sticker price of the new car. If you receive a discount on the sticker price (rarely do people ever pay the sticker price!), you probably won’t get as much for your trade-in. Sometimes the amount that the dealer discounts your trade in turns out to be the same as if you’d paid the sticker price in the first place.

However, should you be able to work things out with your dealer and arrive at a fair price, you still need to shop for a new car loan. Even if you’re getting a good deal on your trade in vehicle, you’ll almost certainly need to borrow money to buy a new car. What kind of loan you get is almost as important as picking out the car.

If you happen to have a good credit rating, you can often get a good deal on your new car financing through the dealer. They’ll use the manufacturer’s lending resources to help find you the right financing. The best deal you can get is a zero percent finance rate. There’s no interest with a zero percent rate. You can also get one point nine or two point nine percent interest rates, which are a lot better than you can get through most other lenders. Therefore, if you can get a good deal through the dealer, you should probably go for it.

However, those with less than perfect credit may need to look at other options for their new car financing. You may be able to find attractive loan programs through other lenders. These programs are designed for people with a few credit problems. You can even get loans designed for people with very poor credit or even those who’ve filed bankruptcy. However, you should be careful with these kinds of loans. Slipping up with them can put you in line for lots of fees and penalties, and the interest rate is going to be higher because they will consider you a higher risk.

Remember, when you buy a new car, shopping for the right car loan is just as important as picking out the perfect car. If you go with the first financing you’re offered, you may find yourself paying several thousand dollars more than you would have if you had bothered to shop around. Don’t underestimate the value to you of getting the right financing. There’s an option available for you, no matter what your credit history looks like.

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What Is A Cryptocurrency And Bitcoin?

The Web is part of society and is shaped by society. And until society is a crime-free zone, the Web won’t be a crime-free zone.

So what is a cryptocurrency? A cryptocurrency is a decentralised payment system, which basically lets people send currency to each other over the web without the need for a trusted third party such as a bank or financial institution. The transactions are cheap, and in many cases, they’re free. And also, the payments are pseudo anonymous as well.

As well as that, the main feature is that it’s totally decentralised, which means that there’s no single central point of authority or anything like that. The implications of this is done by everyone having a full copy of all the transactions that have ever happened with Bitcoin. This creates an incredibly resilient network, which means that no one can change or reverse or police any of the transactions.

The high level of anonymity in there means that it’s very hard to trace transactions. It’s not totally impossible, but it’s impractical in most cases. So crime with cryptocurrency– because you’ve got fast, borderless transactions, and you’ve got a high level of anonymity, it in theory creates a system that is ripe for exploitation. So in most cases when it’s a crime online with online payment systems, then they tend to go to the authorities and, say, we can hand over this payment information or we can stop these transactions and reverse them. And none of that can happen with Bitcoin, so it makes it ripe for criminals, in theory.

In light of this, a lot of different agencies are researching into Bitcoin and looking at Bitcoin and trying to understand how it works and what they can do to police it. It’s also been in the media quite a few times, and the media, being the media, like focus on the bad side of it. So they focus very heavily on the crime with it. So if there’s a theft or a scam or something like that, then they tend to blame it on Bitcoin and Bitcoin users.

So the most notable is probably Silk Road, which got taken down recently, and through their $1.2 billion worth of Bitcoins, went to pay for anything from drugs to guns to hit men to those sorts of things. And the media, again, very quickly to blame this on Bitcoins and say that it was the Bitcoin user’s fault.

But there’s actually very little evidence of the scale of the problem of crime with cryptocurrencies. We don’t know if there’s a lot or we don’t know if there’s a little. But despite this, people are very quick to brand it as a criminal thing, and they forget the legitimate uses, such as the fast and quick payment.

So a few research questions I’m looking at in this area is what does crime with Bitcoin look like? So a lot of people will say that scams and thefts have been going on for ages. But the means through which they happen changes with the technology. So a Victorian street swindler would practically be doing something very different to a 419 Nigerian prince scammer.

So the next question that I’d like to research as well is looking at the scale of the problem of crime with cryptocurrency. So by generating a log of known scams and thefts and things like that, we can then cross reference that with the public transaction log of all transactions and see just how much of the transactions are actually illegal and criminal. So my final question would be, to what extent does the technology itself actually facilitate crime? By looking back at the crime logs, we can see which particular sorts of crime happen, and if it is actually the technology’s fault, or is this just the same old crimes that we’ve been looking at before. And once we’ve consider these things, we can start to think about possible solutions to the issue of crime with Bitcoin.

And we can consider that the only suitable solution would be one that preserves the underlying values of the technology itself, which would be privacy and decentralisation. A lot of focus from the media is to look at the criminal aspects of it. And they don’t give enough value to the legitimate uses, because Bitcoin is a technology that enables fast, quick payments, which is useful to anyone that’s ever paid for anything on the web.

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The Fundamental Ways and the Top Fat Burning Foods

These days weight is a widespread fitness issue of individuals, many of them are looking for burning excess fat in order to get into shape especially if their metabolism is at a slow rate. In fact, burning fat is not an easy task, but it is not an ambiguous process as well. Achieving the goal of desired weight looks to be hard that needs a mixture of work out concurrently.

Well, it is no matter how hard you work out; If you do not follow the right strategies, your hard work would be useless. So, if you want to burn fat you need small changes in your lifestyle.

Let us find out the easiest answers for the question "How can you get rid of your excess fat and get your desired weight results?"

First of all, you should set a proper plan as it is extremely critical to carve out a strategy and determine your specific aim in order to measure the progress and take corrective actions as and when required.

Secondly, eat smaller portions but more number of meals. Therefore, you should not skip meals specifically breakfast; there is a common mistake and misconception about breakfast since many people think that by skipping this meal, they are going to burn fat and lose weight faster. However, it is not true because when you wake up you need energy for practicing your morning activities.

You must also avoid alcohol and smoking and the excessive use of medicines.

The most important thing is that you bought to select the right fat burning foods so as to put in your body and recognize what fat burning foods are and include them in your meals. Indeed, whole natural foods are fundamental choice that will fill up your body with energy. In contrast, you must stay clear of ingredients that preservatives and processed foods; they are highly addictive and could lead to various health problems such as obesity, cancer and other critical health issues. As matter of fact, anyible stuff which comes in boxes, cons and bags has to be eliminated.

Examples of the Top Fat Burning Foods:

There are plenty of healthy foods options that may provide you with essential nutrients such as:

Green Tea: it is natural beverage that helps to burn fat and boost metabolism.

Fish: it is a healthy source of proteins. It can provide us the required proteins to develop muscles less the fat.

Grains: They stimulate the body's fat burning mechanisms. Examples of grains: brown rice, oatmeal and quinoa.

Egg: It is high in protein and other nutrients that slow down the rate of your body's absorption of fats. It facilitates the building of muscle tissue, which causes burning and breaking down more calories.

Consume fiber rich foods like vegetables and fruits as they aid at speeding up your metabolism. They are vital source of nutrition and minerals. More importantly, they furnish the body with anti-oxidants to purify the toxins from your system.

Generally, healthy foods are the primary keys to fat burning and the major factor to a healthy well looking physique. Remember that it is no matter how much you work out, if you do not consume the right kind of foods and cur the bad ones you will not keep fat off. So, try to use the previous strategies and integrate these fatty burning foods into your day by day eating program.

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