HAPPY BIRTHDAY TO ME

I'm soo thankful to God for yet another year in my life. I am so happy and appreciative to all my family, friends from all the social networks  for all the birthday wishes.
   My special thanks to my parents from raising me in a God fearing way . For giving me the best childhood ever, i LOVE you guys so much mama and papa.

My brothers for being my hero, love you lot to bit.

My only sister in the world, don't know what  i would have done without you. You were really there for me and still there for me. Have not forgotten our kindergarten days, you looked after me so much. I  love you and miss u a lot. We will weather any storm together.
To my very close friends love you guys and  am thankful for having you as friends.
To my husband, i appreciate and love you. Thanks alot for everything. To my kids, you are the reason i breath everyday...love you all.
Birthdays is a time for sober reflections, looking back am happy and  thankful to  God  who  brought me this far. I pray to come here next year to thank everyone once more.

Enjoy this music with me

Lesley Gore - It's my party

EXPOSURE 99% WEEKDAY BLOG HOP IS ON!!!!!

Welcome to Exposure 99% Weekday Hop. Thank you for joining us again this week. This  blog hop gives you the chance to link up your Blogs, Reviews, Giveaways, Twitter, Facebook pages and many more. Exposure 99%  hop linky opens every Monday (CST) and closes every Friday. Is a hop that helps you make new bloggy friends,  getting more blog  Followers, blog  Readers, People entering your awesome giveaways, People reading your reviews and many more on your  family friendly activities in your blogs. If this is your first time of linking up in Exposure 99% hop, we hope you  find great blogs to follow and be followed. Big thanks to each of you that writes blog post about this hop, we really appreciate and keep up the good work. Finally it will be of great help if you can grab the hop button and place anywhere in your blog to help us get the word out, which you will also benefit. Interested in getting featured  in Exposure 99% hop? Fill out this form HERE.

SET YOUR PRICE! CHOOSE YOUR ADVERTISERS! START GETTING PAID! GET STARTED AND LEARN MORE  HERE... MAKE SURE YOU ADD YOUR BLOG AFTER REGISTRATION.

Exposure 99% Hop has few and simple rules which you have to abide with before you link up.

* Kindly follow the hostesses--- ONE MOMENT IN TIME , BITS AND BOBS and  this week's  featured blog  BERRY'N'CHEESE  to participate, and let us know you are following so that we can return the love to you. If you are already a GFC follower of our blogs you can follow us  another way ( don't forget to notify us).

* Link up your Blogs, Twitter, Facebook, Giveaways, Reviews and many more in the linky list.

* If you linked up any other thing apart from your blogs, kindly specify if possible so that it will be easier for others to find what they are looking for.

* Visit and follow at least 5 links or more  before you,  and let them know you are visiting from Exposure 99% weekday hop.

* Consider placing the hop button anywhere in your blogs.

* If you have any problems linking up, do not hesitate to contact me, i will link you up by myself.

* Wishing you a beautiful and stress free week.






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HOW TO APPLY FOR A BUSINESS LOAN.

 Raising capital is one of the most important and challenging part of starting a business.  Capital can come from personal savings or loan, most people resort to loan to finance their business. Loan is an agreement in which a lender gives money or property to a  borrower, and the  borrower agrees to return the property or repay  the money , usually along with interest, at some future point in time.There are  two kinds of  loan, flexible loans  are tailored to  your business needs and may allow variable interests and allows monthly or quaterly installments. Fixed loan have a predetermined rate of interest and a more rigid payment structure. Whether the loan is for starting a new  business or for an already existing   business ,  there are steps on  how to apply  for business loans .

Steps to a successful business loan application.
Getting your loan request approved depends on how well you present yourself, your business and your financial needs.
General information /  requirements;  You will need to gather as much information as possible about your business and all the documents attached to your  business. The documents will help persuade your lender that you are worth the risk. You will need to have a business plan.  A business plan will show your  lender how and what you want the loan for. You will also need cash flow projections . The lender needs to know if  have a good flow of cash and able to pay back the loan.

A statement of your personal financial status;  A list of your  personal financial assets and debts will give the lender a clearer picture of your financial involvements.

Past business tax returns; This document is not required if you are starting a new business but if the business is already established and you have past tax returns on them. It's best to take it along with you to your lenders. It gives your lenders an insight into the financial aspect of your business.

Credit rating report; Whether you include this document or not, your lenders can easily check this out on their own. Also show in details any market research carried out. Market research information will define your company's products as well as your markets and identify your competition and explain how your business competes in the market place.

Review of your loan request; The lender is concerned about their repayment. having seen your business plan, tax returns and all. Your bank be it local banks, high street banks, building societies or specialist lenders,    will have some important questions to ask you before reviewing your application.
Firstly, How much are you personally investing in your business? Willing to put a huge ammount of your money into your business shows the lender that you are committed to the business.
Secondly , What collateral have you got?  What assets are you willing to stack, to secure your loan?
Thirdly, over what lenght of time do you intend to repay the loan? Are you going for a long or short term loan?




I  AM  PARTICIPATING IN A BLOGGER CAMPAIGN SPONSORED BY BUCKS2BLOG. HOWEVER THE OPINIONS AND VIEWS ARE PURELY MINE.

MY LOVE FOR HANDMADE SHOES.

My love for shoes has no bounds because its very important in every outfit. It's the perfect accessory to glam up any boring outfit. Shoes are the number one accessory that  stays same when i  put on weight or lose weight .  I get this surge of confidence and power when am wearing the right  pair of shoe. Be it stilleto,    pumps, sandals, its an accessory i cant do with out. Its much easier to shop for shoes than for clothes, it makes your legs look slimmer and well toned.
Marilyn Monroe once said 'Give a girl the right pair of shoe and she can conquer the world'.
 I strongly affirm to  that. The right  pair of shoes is a handmade shoe.  A handmade shoe is a personalised shoe, shoe that  is made to your taste style and standard. I go for handmade shoes , when i shop for shoes. They might slightly cost more but its worth every penny spent on it.

ADVANTAGES OF BUYING  HANDMADE SHOES;
I am sure you are probably wondering why you will bother yourself with  handmade shoes while you can always walk into a store to shop for shoes instead. Handmade shoes are not bought off the shelf, they are hand crafted from start to finish to suit the owners needs.
Handmade shoes lasts longer than the machine made ones. So when you decide to buy the mass produced shoes, they may not have the perfect finish and will wear out easily. When you take advantage of the shoe crafted manually, they are made with the finest of materials and in such a manner to withstand any wear and tear.
It is very possible you might have experienced discomfort in the past, from shoes that are supposed to be 'your size' , but somehow failed to fit perfectly. Machine made shoes are very uncomfortable to wear.
A handmade shoe can be easily crafted to suit your feet  as to provide with maximum comfort, and also prevent blisters, calluses and ankle wounds, because your exact measurment are taken before construction starts. You can choose how you want the shoe to look,  like the colour, heel lenght, sole type and more. Apart from the opportunity to customize your own shoe, handmade shoes are beneficial from a health stand point, because they fit  well and reduce  the risk of leg aches and muscle cramps.
Handmade shoes are  very unique and stylish  because they are custom made, you will not see the shoe design  else where. You stand out from the crowd.
Handmade shoes  are beauties to behold. And you can never go wrong  buying one. With the right pair of handmade shoes , you can conquer the world.
You can find handmade shoes for yourself or your man here  http://www.johnlobb.com/en/shoes.

I PARTICIPATING IN A BLOGGER CAMPAIGN SPONSORED BY  BUCKS2BLOG AND I WAS COMPENSATED. HOWEVER, ALL THE VIEWS AND OPINION ARE FULLY MINE.

END OF SUMMER.

Summer is almost gone and winter is fast approaching [here in uk though]. Time to dig up the big shoes and big coats and cardigans. As much as the sun is out and it looks as though the all the fun that comes with the sun is gone. Its really not, you can still catch fun in the autumn/winter. Make out time for parties with the family, burn fire night and fireworks night is really fun to  watch with your family. The winter wonderland is a great place to visit as well.. A weekend in a cabin with the family is another cosy place to be this autumn/winter. HAVE A NICE WEEKEND.

IMPORTANCE OF MBA PROGRAMS IN TODAYS WORLD.; COLORADO BUSINESS SCHOOL.

 Are you stuck in a dead end job? Are you sick of doing same old job, without a salary raise or promotion? Are you planning on starting your own business or just want a better career? I have news for you.
Pursuing an MBA program has become a requirement for everyone today. MBA simply means master of business administration. The MBA degree has become mandatory to fulfil the eligibility criteria for various job categories. Most jobs today are directly or indirectly  related to  business,  and to  be able to run it well, you will have to be well equipped. An MBA degree is not only needed in business, economic and management fields, its needed in all around so other professionals can flourish in their respective fields.
Most students opt for an MBA degree after graduation. Some people  are willing to  pay what it takes to pursue this  degree, while some are pursuing the program whilst working.  So what's all the force about MBA degree? What's the importance of MBA programs in todays world?

ADVANTAGES  OF MBA DEGREE.
MBA degree helps in career advancement. Those already working, with MBA degree they get salary increment and a promotion. You can move higher to better job that pays more. More and more companies are going for candidates with MBA degree holders and are paying more on their salaries. If you are planning on starting your own business, an MBA degree can equip you better and provide you with the proper guidelines to make it a huge success.
An MBA degree holder fresher is ahead of others in the employment world, with or without work experience,  they come first in the employers list. MBA degree holders are recruited in higher ranks in the companies and the go further in managing and heading of the company. The program exposes the student to the practical field  helping them to perform effectively in the long run.
With a full-time MBA program at colorado business school, you are equipped with the quantitative and analytical skills to tackle business 's strategy and sustainability with the people and the profits involved around their environment and enterprise.
Finally, an MBA degree is the most respected degree all over the world today. It is a stepping stone for a  secured future. So, if you want a better job and career, an MBA degree is your dream come true.


AM PARTICIPATING IN A BLOGGER CAMPAIGN SPONSORED BY BUCKS2BLOG AND WAS COMPENSATED. HOWEVER, THE VIEWS AND OPINION ARE PURELY MINE.

EXPOSURE 99% WEEKDAY BLOG HOP IS ON!!!!!

Welcome to Exposure 99% Weekday Hop. Thank you for joining us again this week. This  blog hop gives you the chance to link up your Blogs, Reviews, Giveaways, Twitter, Facebook pages and many more. Exposure 99%  hop linky opens every Monday (CET) and closes every Friday. Is a hop that helps you get more Followers, Readers, People entering your awesome giveaways, People reading your reviews and many more on your  family friendly activities in your blogs. If this is your first time of linking up in Exposure 99% hop, we hope you  find great blogs to follow and be followed. Big thanks to each of you that writes blog post about this hop, we really appreciate and keep up the good work. Finally it will be of great help if you can grab the hop button and place anywhere in your blog to help us get the word out, which you will also benefit. Interested in getting featured  in Exposure 99% hop? Fill out this form HERE.

SET YOUR PRICE! CHOOSE YOUR ADVERTISERS! START GETTING PAID! GET STARTED AND LEARN MORE  HERE...

THIS WEEK'S  FEATURED BLOG IS:   My Life. One Story At A Time

Exposure 99% Hop has few and simple rules which you have to abide with before you link up.

* Kindly follow the hostesses --- ONE MOMENT IN TIME , BITSANDBOBSBLOG, and  the featured blog-- MY LIFE ONE  STORY AT A TIME  to participate, and let us know you are following so that we can return the love to you. If you are already a GFC follower of our blogs you can follow us  another way ( don't forget to notify us).

* Link up your Blogs, Twitter, Facebook, Giveaways, Reviews and many more in the linky list.

* If you linked up any other thing apart from your blogs, kindly specify if possible so that it will be easier for others to find what they are looking for.

* Visit and follow 5 blogs  before you and let them know you are visiting from Exposure 99% weekday hop.

* Remove the https:// or http:// when linking up any site that is not your blog.

* Consider placing  Exposure 99% weekday hop button in your blog.

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EXPOSURE 99% WEEKDAY BLOG HOP IS ON!!!!!

Welcome to Exposure 99% Weekday Hop. Thank you for joining us again this week. This  blog hop gives you the chance to link up your Blogs, Reviews, Giveaways, Twitter, Facebook pages and many more. Exposure 99%  hop linky opens every Monday (CET) and closes every Friday. Is a hop that helps you get more Followers, Readers, People entering your awesome giveaways, People reading your reviews and many more on your  family friendly activities in your blogs. If this is your first time of linking up in Exposure 99% hop, we hope you  find great blogs to follow and be followed. Big thanks to each of you that writes blog post about this hop, we really appreciate and keep up the good work. Finally it will be of great help if you can grab the hop button and place anywhere in your blog to help us get the word out, which you will also benefit. Interested in getting featured  in Exposure 99% hop? Fill out this form HERE.
SET YOUR PRICE! CHOOSE YOUR ADVERTISERS! START GETTING PAID! GET STARTED AND LEARN MORE  HERE...
THIS WEEK'S  FEATURED BLOG IS:    EASY2SAVE;

Exposure 99% Hop has few and simple rules which you have to abide with before you link up.

* Kindly follow the hostesses --- ONE MOMENT IN TIME and BITS AND BOBS BLOG via google friends connect, and also follow the featured blog  EASY2SAVE  to participate, and let us know you are following so that we can return the love to you. If you are already a GFC follower of our blogs you can follow us  another way ( don't forget to notify us).

* Link up your Blogs, Twitter, Facebook, Giveaways, Reviews and many more in the linky list.

* If you linked up any other thing apart from your blogs, kindly specify if possible so that it will be easier for others to find what they are looking for.

* Visit and follow 5 blogs  before you and let them know you are visiting from Exposure 99% weekday hop.

* Consider placing  Exposure 99% weekday hop button in your blog.

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