Monday, October 17, 2011

West Africa looks to interest-free banking

As interest-free (Islamic) banking has emerged and evolved as a viable and competitive component of the overall financial system to drive growth and development, West Africa is now promoting its principles for people of the sub-region to have broad understanding of its operations so as to embrace it.

Islamic banking or interest-free banking is a banking model which is based on profit and loss sharing system.  In this dispensation, the customer and the bank share the risk of any investment on agreed terms, and divide any profits that accrue from there. 

In cognizant of the fact that there has been significant growth in Islamic financial services in recent years and experts forecast that this growth will continue at a rapid pace, the West African Institute for Financial and Economic Management (WAIFEM), on Monday started a weeklong training on rudiments of interest free (Islamic) banking at Paradise Suites Hotel in Kololi.

The training brought together participants from different countries in the sub-region including Gambia, Ghana, and Nigeria.  It was organized to provide participants with a broad understanding on rudiments of Islamic banking as well as provide clarity on ‘Shariah’ (principles of Islamic law) requirements and the avoidance of interest in modern day banking business.


“Islamic banking as a variant of interest-free banking is a system of banking that is bound by Islamic law and prohibits the taking or payment of interest,” said the Governor of Central Bank of The Gambia.  According to him, there has been tremendous development in interest-free banking and “there are very strong indication that this growth will continue at a rapid pace” because there is a expanding demand for products of Islamic financial services, and a closely associated desire on the part of banks, including non-Islamic banks, to provide Islamic financial services.

Growth of Islamic banks outmarch conventional banks

Governor Colley explained that over the years, the growth of Islamic banks in terms of assets is more that of conventional banks.

He said: “From 2007 through 2009, Islamic banks’ assets grew, on average, faster than conventional banks’ assets in major markets.  This relatively higher rate of growth, along with the tendency to avoid excessive leverage and risk-taking have given some consumers, even non-Muslims, a new appreciation of the sector.
“Currently, there are about 400 – 500 Islamic banks worldwide and together they manage close to $1 trillion worth of assets.  This figure is estimated to rise to $4 trillion by 2020.

“The beginning of the millennium brought about fast development in Islamic financial products.  Professional bankers and ‘Shariah’ experts have been breathlessly racing to invent new Islamic financial products that mimic or replace every single interest-based contract that comes in conventional market.”

Commonality of Islamic banks and conventional banks

Although there are some fundamental differences between the Islamic banks and conventional banks in terms of modus operandi, CBG Governor pointed out that there are some fundamentals principles that apply equally to both.

These, he said, include strong corporate governance, rigorous risk management and sound capital adequacy requirements which are essential ingredients to ensure the safety and soundness of any financial system. 
The Middle East and the Asia pacific regions, with well developed Islamic financial systems, have enjoyed remarkable economic growth, due mainly to the Islamic finance activities.  A case in point is Malaysia where Islamic banking contributed positively towards its economic growth.

“Islamic banking is expected to give depositors another choice of where to invest their wealth,” said Prof.  Akhan H Ekpo, director general of WAIFEM. 

He continues:  “In our conventional banking environment, it is a fact that the borrowers are at times rendered miserable and frustrated leading to failure as a result of overbearing interest rates.  The irony is that while lending rates are always in an upward trajectory, deposits rates are pitiably low. A case for non-interest or Islamic banking would therefore bridge this gap between the deposit and lending rate; more so, the non-interest (Islamic) banker sees the business of his client as his own, and does anything legally to ensure his client succeeds.  Such conditions are unthinkable in the extant conventional banking.  Here, the banker is a complete stranger, most times having a disposition that he is doing his client a world of good by lending to him.”

Islamic banking to check greed, selfishness, corruption in banking industry

Prof Ekpo said if the non-interest banking regime is gradually built into the financial space, the issue of greed, highhandedness, selfishness and corruption would slowly be checked.  “The process of change may be slow and tough, but it would certainly be worth the trouble.”

Broad themes to be covered during the weeklong training includes: operations of Islamic banking, development and challenges in Islamic banking, risk management in Islamic finance, Islamic banking versus conventional banking, and Islamic finance in a secular environment – opportunities and challenges.

103 comments:

  1. Lastly, you should know that the online therapist finder is really appropriate.
    Some schools even require gaining experience first as a prerequisite in your application to the university.
    He told me that occupational therapist suggested him to choose ergonomic products or peripherals such as
    ergonomic keyboard,ergonomic mouse and ergonomic chair.
    Also see my website :: free manic depression test

    ReplyDelete
  2. Lastly, you should know that the online therapist finder is
    really appropriate. You become an educator to your patients
    and have the daunting task of being sure they receive all the
    support and preparation they require to return home.

    Insurance companies also demand certification and in that case the individual is considered disqualified from
    engaging in clinical practice if not certified.
    My web site :: Depression In Pregnancy Quiz

    ReplyDelete
  3. The fee for different therapists can depend on the total duration
    of their therapy plan. Joseph's Medical Center, a regional medical center in Maryland, receive from $19. They also require cardiac and physical rehabilitation.
    Also see my web site - jim carrey manic depressant

    ReplyDelete
  4. It is perfect time to make some plans for the future

    and it is time to be happy. I've learn this post and if I may I wish to recommend you few interesting things or tips. Perhaps you could write next articles

    relating to this article. I want to read more things approximately it!

    Here is my web page - mt.home.pl
    Feel free to visit my page my big fat wallet

    ReplyDelete
  5. Thanks a lot for giving everyone such a spectacular opportunity to read from here.
    It is always

    very amazing and as well , packed with a lot of fun for me and my office

    mates to search your blog the equivalent of thrice a

    week to see the fresh secrets you have got. Of course,

    I'm so at all times

    happy concerning the unbelievable

    tips served by you. Certain 1 areas in this posting are undeniably the most efficient I

    have ever had.

    Feel free to surf to my homepage: http://belito.pixnet.net/
    Visit my web page ... houston hotel search

    ReplyDelete
  6. I carry on listening to the news broadcast

    speak about receiving boundless online grant applications so I have been looking around for

    the top site to get one. Could you advise me please, where could
    i find

    some?

    Here is my blog post :: Diysolarheatingspain.com
    Also see my page - http://www.diysolarheatingspain.com/

    ReplyDelete
  7. Today, I went to the beach front with my children. I found a sea shell and gave it to my 4 year

    old daughter and said "You can hear the ocean if you put this to your ear." She
    put the shell to her ear and

    screamed. There was a hermit crab inside and it pinched her ear.
    She never wants to go back! LoL I know this is

    totally off topic but I had to tell someone!

    Feel free to visit my website - history of oviedo spain
    My webpage : hotel rosa blanca costa rica heredia

    ReplyDelete
  8. Hi, i think that i saw you visited my blog so i came to “return the favor”.

    I

    am trying to find things to enhance my website!
    I suppose its ok to use some

    of your ideas!!

    Review my page :: http://comunidad.hermescloud.net
    my website :: calling spain belgium

    ReplyDelete
  9. I was recommended this website by my cousin.
    I'm not sure whether this post is written

    by him as nobody else know such detailed about my difficulty. You're amazing!
    Thanks!

    Also visit my web-site :: 4 20 game winners orioles
    my web page: 4 letter words ending in bow

    ReplyDelete
  10. Incredible! This blog looks exactly like
    my old one! It's on a entirely

    different subject but it has pretty much the same layout and design. Great choice of colors!

    Stop by my page http://de.wiki.beanfun.com
    My website ; Elche villas for sale

    ReplyDelete
  11. Hey there! Do you know if they make any plugins to protect

    against hackers? I'm kinda paranoid about losing everything I've worked hard on.
    Any suggestions?

    My blog; http://fizweb.elte.hu/mediawiki/index.php?title=User:SaraiCooper82
    Also see my webpage: http://studyisfun.blogspot.fr

    ReplyDelete
  12. Wow, marvelous blog layout! How long have you been running a
    blog for? you made blogging glance easy. The overall look of your
    web site is magnificent, let alone the content material!



    Feel free to surf to my blog post; 4 letter words ending in bal
    Also see my webpage :: 4 hour work week book summary

    ReplyDelete
  13. I am usually to blogging and i actually

    admire your content. The article has really peaks my interest.
    I'm going to bookmark your

    website and keep checking for brand new information.

    Review my blog post; http://ee.forumify.com
    Take a look at my web page - steps to make solar powered panels

    ReplyDelete
  14. Hey just wanted to give you a quick heads up.
    The text in your

    article seem to be running off the screen in Firefox. I'm not sure if this is a

    formatting issue or something to do with browser compatibility but I

    figured I'd post to let you know. The design look great though!
    Hope you get

    the issue resolved soon. Kudos

    My webpage :: diatribe-column.blogspot.ru
    Feel free to visit my webpage : alicante airport map guide

    ReplyDelete
  15. Its like you read my mind! You seem to know a lot about this, like you wrote the book in it or

    something. I think that you can do with some pics
    to drive the message home a bit, but

    instead of that, this is magnificent blog. A great read.
    I'll definitely be back.

    Review my web page - http://history.apdaweb.org/dir/index.php?title=3_A_Few_Reasons_You_Should_Travel_Through_Spain
    Here is my web site - average weather spain june

    ReplyDelete
  16. I love what you guys are usually up too. This

    type of clever work and exposure! Keep up the wonderful
    works guys I've added you guys to blogroll.

    Here is my webpage - http://www.fresnodigitalworkshops.com/groups/religious-the-country-of-spain-art-and-also-notion-in-the-speaking-spanish-community-right-now-with-/
    Feel free to surf my blog ; villas for sale Albox

    ReplyDelete
  17. Have you ever considered creating an ebook or guest authoring on other

    sites? I have a blog based on the same information you

    discuss and would love to have you share some stories/information.
    I know my

    visitors would enjoy your work. If you're even remotely interested, feel free to

    send me an email.

    Have a look at my blog: http://www.waslinfo.org/story.php?title=error-404-file-not-found-1
    My web-site forum visit spain Playa Blanca

    ReplyDelete
  18. Wow! This blog looks just like my old one! It's on a totally

    different subject but it has pretty much the same layout and design. Superb choice of colors!

    Here is my weblog - vista-analyse.no
    My web site ... Bryan Very Good Luck: Ammonite Fossil

    ReplyDelete
  19. I truly appreciate this post. I’ve been looking everywhere for this!

    Thank goodness I found it

    on Bing. You've made my day! Thank you again

    My web blog :: portfel.cv.ua
    Feel free to visit my web site ... expat forum spain Vera

    ReplyDelete
  20. A powerful share, I just given this onto a colleague
    who was doing just a little evaluation on this. And
    he in actual fact bought me breakfast because I discovered it
    for him.. smile. So let me reword that: Thnx for the deal with!
    However yeah Thnkx for

    spending the time to debate this, I feel strongly about it and love reading
    more on this topic. If attainable, as you develop into expertise, would you thoughts updating your weblog with
    extra

    details? It's extremely useful for me. Huge thumb up for this

    blog post!

    Feel free to visit my site; http://wiki.zielonezacisze.waw.pl/index.php?title=Użytkownik:KimberlyWright1972
    Check out my homepage ; Alicante Spain villas

    ReplyDelete
  21. Hi there, You've done an incredible job. I will

    certainly digg it and personally suggest to my friends. I am sure

    they'll be benefited from this site.

    my web page - http://www.mythos-draconis.de/
    Also visit my blog - promotional refrigerator magnets

    ReplyDelete
  22. You really make it seem really easy along with your

    presentation however I find this topic to be actually something

    which I think I might never understand. It sort of

    feels too complicated and very huge for me. I am

    looking forward on your subsequent

    publish, I’ll attempt to get the hang of it!

    My web page - fashione.co.uk
    Feel free to surf my site - sauder furniture store locations

    ReplyDelete
  23. Do you mind if I quote a few of your articles as long as I provide credit and sources back to your

    blog? My blog site is in the very same area of interest


    as yours and my users would truly benefit from some of


    the information you provide here. Please let me know if this ok with you.
    Cheers!

    My weblog; http://ukinsulationgrants.com/story.php?title=diy-jewellery-tree-more
    my page - business credit card holder

    ReplyDelete
  24. I’m not that much of a online reader to be honest
    but your sites really nice, keep it up! I'll go ahead

    and bookmark your site to come back later on. Cheers

    My website :: http://wiki.pg-comics.ru/
    Also visit my web site : Dolores Costa Blanca

    ReplyDelete
  25. Excellent read, I just passed this onto a colleague who
    was doing some research on that. And he

    just bought me lunch as I found it for him smile Thus
    let me rephrase that:

    Thank you for lunch!

    Look into my site ... rahula.info
    Feel free to visit my web-site : Just Julie B's Stampin' Space: Googly Ghouls for a Challenge!

    ReplyDelete
  26. Greetings! I know this is somewhat off topic

    but I was wondering which blog platform are you using for this website?
    I'm getting tired of

    Wordpress because I've had problems with hackers and I'm looking at alternatives for another platform. I

    would be great if you could point me in the direction of a good platform.

    Here is my blog post :: http://zakladki.no1.mielno.pl/
    my web site: pediatric residency

    ReplyDelete
  27. Good day! I just want to give a huge thumbs up for the great information you have right here on this post.
    I will be coming again to your blog for more soon.


    My weblog edinoborstva.bosa.org.ua
    Here is my homepage spain new news Pobla de Farnals

    ReplyDelete
  28. I like what you guys are up too. Such intelligent work and reporting!
    Carry on the

    superb works guys I have incorporated you guys
    to my blogroll. I think it'll improve the value

    of my web site :)

    Here is my weblog - zakladki.no1.mielno.pl
    Feel free to visit my weblog - louisville orthodontist

    ReplyDelete
  29. With everything that

    appears to be building within this specific
    area, a significant percentage of opinions are generally fairly
    refreshing. Nevertheless, I beg your pardon,
    but I can not subscribe to your entire plan, all be it exciting none the

    less. It would seem to everybody that your commentary

    are not completely validated and in actuality you are generally yourself not fully confident of the point.
    In any

    event I did enjoy examining it.

    Feel free to visit my page ... arisf.com
    My web site :: ciudad quesada spain car hire

    ReplyDelete
  30. I'm really enjoying the design and layout of your blog. It's a
    very easy on the eyes which makes it

    much more enjoyable for me to come here and visit more
    often. Did you hire out a designer to create

    your theme? Exceptional work!

    my webpage :: nellieblyonline.com
    My web blog ; natural flea treatment for cats

    ReplyDelete
  31. wonderful points altogether, you simply gained a new reader.


    What would you recommend in regards to your post that
    you made a few days ago? Any positive?
    Also visit my weblog : bookmarks.corentt.com

    ReplyDelete
  32. Later on, among the continued practice ending up will continue
    to be auxiliary accustomed burning the various chords. Instead, focus on a single
    thing or just a couple of things, and try not to move forward until you have reached those goals.
    offers free online piano lessons.

    Here is my web-site kailangan kita piano chords and notes

    ReplyDelete
  33. Since marriage is a permanent bond between two love ones, roses are very much preferred for dcor of wedding place.
    (Here's the key difference. If you don't have time, think about
    hiring someone for Best wedding website.

    Look at my weblog :: wedding website And Invitations

    ReplyDelete
  34. Keep the sacrifices they've made in mind, and take the time to embrace the understanding of how much these people must love you to have traveled so far for your wedding. What is even more exciting is that you will be able to keep this wedding website for one year, at no cost to you. An increasing number of marrying couples (particularly those entering second or later marriages) will request that guests refrain from giving gifts.

    Feel free to surf to my blog wedding website affiliate program
    Also see my site: wedding website affiliate programs

    ReplyDelete
  35. In looking for the proper collar for the
    pets, things that you need to consider are safety, the training process
    as well as your convenience. Bond With Your Dog Through Play.
    In 2005, Ford, a Gateway employee, decided it was time for a career change.



    Also visit my website :: dog training academy of south florida
    Also see my web site :: bird dog training articles

    ReplyDelete
  36. They buy Twitter followers as Twitter is an
    effective marketing platform as much as it is a social networking media.

    They even offer a $10 discount sometimes, which is
    a hefty sum, from the regular price, via coupon codes.
    You can repeat the process and make as many new lists as you like.


    Feel free to surf to my web site: Buy Twitter Followers Cheap

    ReplyDelete
  37. There are features that allow you to keep track of vendors that you
    like and keep notes so you know why they are
    listed. Instead of sending your scanned invitation, it would be great if you create
    your own wedding website and invite your friends and relatives.
    Out of town guests will feel especially welcome if you give
    them special attention at the reception.

    Feel free to visit my site: Free wedding website advertising

    ReplyDelete
  38. D Minor:. As an alternative, it will most likely be far more powerful for you to learn about audio and chord idea.

    Once you know these scales, in all twelve keys, then you have a very solid foundation on which to learn
    how to play piano chords.

    Also visit my blog post: free piano chords and lyrics
    My site: piano chords and tabs for songs

    ReplyDelete
  39. The ѕensual mаsѕage can cаtеgоrize into bу
    а accrеditеd practitionеr, іt is
    ѕafe and beneficіal, particulaгlу foг eldeгly patiеnts.
    Somе of the nearly ρopular trеаtments include in the trunk which аctіvate
    the aflutter System οf rules.

    Also visit my page ... site

    ReplyDelete
  40. there are lots of family dog web pages which provide totally free information on several unique
    instruction troubles. Bond With Your Dog Through Play.

    Dog obedience training is a bit more than trained responses.



    Feel free to visit my blog guard dog training accessories
    my page > sfspca dog training academy

    ReplyDelete
  41. Natural remedies are deemed highly efficient, cost effective, and significantly
    safe to use. This will ensure that you treat the right disease when you
    take the medication. Although the treatment has been successful for many people with Candida, be warned that some of the side effects may include excessive vaginal
    discharge, discomfort and burning in the vaginal area.


    Also visit my page: vaginal yeast infection and pregnancy

    ReplyDelete
  42. With the increasing fan base your product sale will also considerably increase and
    your marketing objectives will be easily achieved.
    If it is a new product, a gift, the introduction of a new group or even
    the details of the products and services, Facebook provides an easy field of
    advertising. The first step in this regard is to make a fan
    page.

    Here is my page http://socialbears.com/facebook-fans/

    ReplyDelete
  43. obviously like your web site but you need to check the

    spelling on several of your posts. Several of them are rife with spelling problems

    and I find it very bothersome to tell the truth nevertheless I will surely come

    back again.
    Feel free to visit my blog ; olantinowap.Blogspot.fr

    ReplyDelete
  44. And that is the first rule of keywords - Relevance.
    You need to utilise every tool and potential outlet you possibly can.

    , to all your fans.

    My website ... Internet Marketing Plan

    ReplyDelete
  45. Oils, beverages and Paleo sweets should also be used in moderate quantities and also
    keep in mind that Paleo diet food list does not contain in it all processed foods
    made out of dairy products, powdered milk, ice creams, cereal grains and legumes and should be avoided.

    Pizza crust, bread, pancakes, and any food that contain sugar should be taken
    out and erased from the list of foods one can eat.
    Ingredients.

    my blog post :: paleo diet and ms

    ReplyDelete
  46. There are many sources to choose from that can offer simple solutions to the
    problems you are experiencing with your
    canine. In the event you employ strategies that may be employed in agreement together with your dog's normal urge and instincts, you'll be able
    to improve its character and provide restrictions that can maintain your dog satisfied.
    Dog obedience training is a bit more than trained responses.


    Here is my web page: best dog training as seen on tv

    ReplyDelete
  47. Hi are using Wordpress for your blog platform? I'm new to the

    blog world but I'm trying to get started and create my
    own. Do you require any coding

    expertise to make your own blog? Any help would be
    greatly appreciated!

    Here is my homepage wiki.cpa3y.net

    ReplyDelete
  48. Moreover it helps in promoting the services of various organizations.
    Facebook fans and you can get Facebook fans cheap if you follow the
    link at the bottom of this article. Facebook fans offers
    the opportunity for you to be spontaneous and quick responses
    as well as receive messages from your users.

    Feel free to surf to my weblog ... http://socialbears.com/facebook-fans/
    Also see my web site :: get facebook fans

    ReplyDelete
  49. The owner decided after the event to donate half of the proceeds back to the students.

    You make different challenges like scavenger hunts, food challenges, mazes and races.
    That is the new craze in on the internet gaming, and numerous girls and
    teens are possessing a blast.

    Here is my website ... free credit report com

    ReplyDelete
  50. Valuable information. Lucky me I found your site

    by chance, and I'm surprised why this accident didn't happened in
    advance! I bookmarked it.
    My website - http://arquitecturaperuana.blogspot.com

    ReplyDelete
  51. I have been examinating out many of your posts and i can claim nice stuff.
    I will make sure to bookmark your website.
    Here is my site ; www.aileportal.com

    ReplyDelete
  52. What's up friends, nice piece of writing and fastidious urging commented here, I am genuinely enjoying by these.

    my blog post - 13th birthday party ideas

    ReplyDelete
  53. - Exorphins: Anti-nutrient found in dairy products and wheat.

    Anti Nutrients:. Nuts(non processed) - Nuts are cholesterol free and eating one ounce
    per day reduces the risk of heart disease and type
    2 diabetes.

    Take a look at my website ... the paleo diet and diabetes
    My website: paleo diet and alcohol

    ReplyDelete
  54. Hi my friend! I wish to say that this post is amazing, nice written and include

    approximately all important infos. I’d like to see
    more posts like this.
    Here is my website ; http://www.authenticlinks.com/search/http://freee-library.blogspot.ru/2012/02/atlas-of-human-anatomy-netter-basic.html/

    ReplyDelete
  55. there are lots of family dog web pages which provide totally free information on several unique
    instruction troubles. Another tip is to start with the basic skills.

    Dog obedience training is a bit more than trained responses.


    Visit my weblog - dog training and boarding atlanta
    Also see my web site :: dog training advice online

    ReplyDelete
  56. '''. Now among the advice of your educational materials, shoring jar discover all the things of the substitute chords. offers free online piano lessons.

    Take a look at my web-site ... piano chords amaj7

    ReplyDelete
  57. I like what you guys are up also. Such clever
    work and reporting! Carry on the

    excellent works guys I’ve incorporated you guys to my blogroll.
    I think it'll improve the value

    of my site :)

    Here is my webpage - Dttalk.Blogspot.com

    ReplyDelete
  58. Thanks for sharing such a fastidious thinking,
    article is pleasant, thats why i have read it completely

    My weblog Fat Loss Factor

    ReplyDelete
  59. Fashion Games of Teen Girls Interested Are Fun These challenges are at times shared amongst buddies.
    I won't spoil your surprises and give away any more details. Cranberry studios developed this sequel while publisher Anaconda brings it to you in stores.

    Here is my blog post :: dallas movers
    My web page :: 야후

    ReplyDelete
  60. Hi! I've been following your site for a while now and finally got the courage to go ahead and give you a shout out from Humble Tx! Just wanted to say

    keep up the excellent job!
    Also see my site :: seocome.com

    ReplyDelete
  61. Terrific work! This is the type of information that should be shared around the web.
    Shame on Google for not positioning this post higher!
    Come on over and visit my site . Thanks =)
    Visit my blog www.fitnessarticles2012.com

    ReplyDelete
  62. Me and ozzy fucked harder, trying to show to my
    own god! FUCK YES!' ahead of cumming inside my warm pussy. were still fucking

    my web site: hcg injections
    my site: hcg injections

    ReplyDelete
  63. Whether you are searching for specialty styling products or specific Loreal hair products, you are sure to find what you
    need. Habits die hard and whatever your regime has been in the past, you do need to have a good look
    around at what is on offer for different hair types and textures.
    Soon after this, use curl lotion all more than your hair, and
    make use of mousse and squeeze this in your hair to that your curls seem flawless.

    ReplyDelete
  64. Ground cover can be added to pedophile the landscape.
    It has a very strong odor that will take your breath away.
    The less competition, the better off your
    plants will be.

    Feel free to surf to my webpage mulching

    ReplyDelete
  65. Password protection is an ideal way to protect sensitive information you prefer only those authorized
    have access to. Meredith's mother suffered from Alzheimer's in prior seasons.
    If necessary, place a polite reminder on your sign-in
    page that this is not an informal website, and that
    distasteful comments will be removed.

    my web site: free wedding website advertising

    ReplyDelete
  66. When you're learning chords, you learn and study them for only One Key at a time. As an alternative, it will most likely be far more powerful for you to learn about audio and chord idea. When you're acquainted with these core 7 keys you can start
    to learn about the black keys (flats and sharps).


    My web site; piano chords a thousand miles
    my website: free piano chords and notes

    ReplyDelete
  67. If you experience some emotional or physical problems
    in your life it can soon be seen in the condition of your
    hair, using natural and organic products aids
    in the recovery of your hair. As natural products don't have any side-effects, you can rest assured for healthy hair. Its intention is to offer you ideal cosmetics which are safe and substantial in quality, all the way through the world.

    Feel free to visit my website :: hair products

    ReplyDelete
  68. On Sunday nights Erin Jaimes hosts a blues jam where anyone from
    Alan Haynes to Gary Clark, Jr. * Team answer sheets -
    Basically a grid lined A4 type sheet with answer
    write in numbered boxes and a line on top for the team name.
    Ask your local club to run this for you.

    my homepage :: pub quiz austin texas

    ReplyDelete
  69. This is a topic that's close to my heart... Thank you! Exactly where are your contact details though?

    Also visit my homepage; stretch mark removal and home remedy

    ReplyDelete
  70. Hello there! This post couldn't be written much better! Looking through this post reminds me of my previous roommate! He constantly kept preaching about this. I will send this article to him. Fairly certain he'll have
    a good read. Thanks for sharing!

    my web-site ... http://societe-forever.com

    ReplyDelete
  71. I am now not certain where you're getting your information, but good topic. I needs to spend some time finding out much more or understanding more. Thank you for magnificent info I used to be searching for this information for my mission.

    My web blog ... family survival kit australia

    ReplyDelete
  72. Hello there! This post could not be written any better! Reading through this article reminds me of my previous roommate!

    He constantly kept preaching about this. I most certainly will forward this post to him.
    Fairly certain he will have a very good read.
    Thank you for sharing!

    Here is my blog post: mederma stretch mark therapy reviews

    ReplyDelete
  73. I have been surfing on-line more than 3 hours as of late,
    yet I by no means discovered any fascinating article like yours.
    It's pretty value enough for me. In my opinion, if all website owners and bloggers made good content as you probably did, the web will be a lot more useful than ever before.

    My weblog; Ford ranger

    ReplyDelete
  74. There is certainly a lot to know about this topic. I love all of the points you've made.

    Feel free to surf to my blog - random.andrewf8797.com

    ReplyDelete
  75. Use oils that can help keep your hair soft and manageable.
    The key to getting the most out of a hot oil treatment for hair
    is to continuously use it weekly if you need it or
    every fortnight and youll definitely see the results.
    It only leaves a lustrous sheath on the hair and gives it a beautiful look rather and the greasy effect that
    is left by the usual hair oils. This is why many salon stylists always recommend a hot oil treatment for hair.
    Indeed, nourishing and conditioning the scalp using aromatherapy oils
    is one of the most basic and simplest ways to prevent further hair loss and stimulate
    healthier hair regrowth.

    Also visit my web-site ... hairstyles with bangs

    ReplyDelete
  76. Mira Hair Oil is a simple item to make use of,
    all you have to do is to try using 1 / 2 a teaspoon or
    even a full teaspoon at the most plus massage the oil directly on your scalp and hair.
    It can also be left in the hair as a conditioner but it may be hard
    to explain the tomatoes. There are organic oils in your hair
    that are there for a cause. Since ages coconut oil
    has been used for curing skin as well as hair problems as it has anti
    fungal and anti bacterial properties. * Lavender
    Oil — prevents further hair loss and improves the health and quality of the hair.



    Also visit my website: short curly hairstyles

    ReplyDelete
  77. I know this website offers quality depending posts and additional data, is there any other web page which provides these kinds of data in quality?


    My blog post :: stretch mark creams

    ReplyDelete
  78. Chords introduce harmony into music and it is the effects created by chords that produce
    the inspiration behind so much music and make it so satisfying both to listen to and to play.
    Then you can quickly and easily figure out how to play any chord
    in any key on the spot, whether you've memorized that specific chord or not. Best Regards.

    my web site: piano chords apologize one republic

    ReplyDelete
  79. (Thank you rounds are always welcome, of course. Local country clubs
    are offering trivia fun for as little as forty dollars per couple.
    The food is decent and the drink specials on Tuesdays include $2.



    Take a look at my web blog pub quiz answers and Questions

    ReplyDelete
  80. The decor on the inside of the restaurant is
    absolutely beautiful. Brazenhead is a great place to go with your family or
    for a business lunch or dinner, but if you are looking for a party atmosphere, this
    isn't it. The food is decent and the drink specials on Tuesdays include $2.

    Stop by my website :: pub quiz amsterdam

    ReplyDelete
  81. ' Satanic Ritual - Decorate the space with human sacrifice, goblets of blood, pentagrams, and things draped in black. I won't spoil
    your surprises and give away any more details.
    I hope you have fun planing a birthday party for your tween,
    I hope my birthday party ideas for tween's helped you.

    Here is my weblog: Home Loan quotes

    ReplyDelete
  82. The only hurdle to accessing this is of course human limitations
    and the fact that the brain does not function solely as a learning
    tool for the human being. At the end of each round read out
    the cumulative scores. The food is decent and the drink specials on Tuesdays
    include $2.

    my web page :: pub quiz answers and questions

    ReplyDelete
  83. Thank you, I've recently been looking for info about this topic for a long time and yours is the greatest I have came upon so far. But, what concerning the bottom line? Are you sure about the supply?

    My web blog ... http://bioinformatics.or.kr/index.php?title=User:ShellyFal

    ReplyDelete
  84. Actually it is not that hard to download flight simulators.
    Now player can think that why they select this game.
    The atmosphere parameters calculated are: temperature, dew point, pressure density, wind
    (three-dimensional) and visibility. The main purpose of a simulator
    is to understand the behavior of the system. If you are looking for
    a fun way to spend your weekends, aflight simulator games is one of the most fun things to have.

    ReplyDelete
  85. In other words, they go against the grain of the careers their parents had.
    Popular prizes include sports tickets, cash and vouchers for drinks,
    food - and dollars off of tabs. Theme Format: It is almost like standard format of
    the pub quiz.

    My homepage best pub quiz names

    ReplyDelete
  86. DJ spins out on Saturday nights. *Rounds table format.
    Her father, Bruce Paltrow, produced the critically acclaimed
    TV series that is considered the precursor to many medical shows today, St.


    Have a look at my blog: pub quiz names

    ReplyDelete
  87. Narrow blood vessels lie alongside the intestines of the earthworm and they absorb the nutrients from the
    alimentary canal feeding the rest of the body. At the end of each round read out
    the cumulative scores. The Bull's Head Pub, Bangkok.

    My page: Pub Quiz Archive

    ReplyDelete
  88. The decor on the inside of the restaurant is absolutely beautiful.
    Brazenhead is a great place to go with your family or for a business lunch or dinner, but if you are looking for a party atmosphere, this isn't it. The food is decent and the drink specials on Tuesdays include $2.

    Here is my homepage: pub quiz austin

    ReplyDelete
  89. What's up it's me, I am also visiting this web site daily,
    this web page is actually good and the viewers are in fact sharing nice thoughts.


    My page stretch Mark lotion

    ReplyDelete
  90. In other words, they go against the grain of the careers their parents
    had. Popular prizes include sports tickets, cash and vouchers for
    drinks, food - and dollars off of tabs. The buccal cavity is a small cavity that has neither jaws nor teeth.


    Review my web blog - pub quiz answers and questions

    ReplyDelete
  91. The owner decided after the event to donate half of the proceeds back
    to the students. Unfortunately for me as an addict, I need my
    crime fix. That is the new craze in on the internet gaming, and numerous girls and
    teens are possessing a blast.

    Also visit my web page; walt Disney world

    ReplyDelete
  92. So you are looking to rid your girl of these unwanted stalkers when you are drawn to Willow Creek's Black Mirror Castle. At the end of the party all of the papers write down who they think was the prohibition agent. The game would begin with them watching the collapse of society and the outbreak of magic around the world.

    Here is my weblog; state farm

    ReplyDelete
  93. Also, we need to determine the rounds of the quiz according to it.
    * Team answer sheets - Basically a grid lined A4 type sheet
    with answer write in numbered boxes and a line on top for the
    team name. They feature almost nightly drink specials and some form
    of entertainment every night of the week--DJ's, live music, trivia, you name it.

    Here is my web blog :: pub quiz archive

    ReplyDelete
  94. Howdy this is somewhat of off topic but I was
    wanting to know if blogs use WYSIWYG editors or if you have to manually
    code with HTML. I'm starting a blog soon but have no coding experience so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

    My webpage: reverse osmosis filtration

    ReplyDelete
  95. (Thank you rounds are always welcome, of course.
    At the end of each round read out the cumulative scores.
    Her father, Bruce Paltrow, produced the
    critically acclaimed TV series that is considered the precursor to many
    medical shows today, St.

    Here is my web page :: free pub quiz answers

    ReplyDelete
  96. What i don't understood is in truth how you are not really much more smartly-liked than you might be now. You are so intelligent. You understand thus considerably in relation to this topic, produced me for my part believe it from numerous various angles. Its like men and women don't seem
    to be fascinated except it's something to accomplish with Woman gaga! Your personal stuffs outstanding. Always maintain it up!

    Here is my web site ... www.spotlightmywork.com

    ReplyDelete
  97. Greetings I am so delighted I found your weblog, I really found you by error, while I was searching on Bing for something else, Anyhow I am here now and
    would just like to say kudos for a remarkable post
    and a all round thrilling blog (I also love the theme/design), I don’t have
    time to go through it all at the moment but I have bookmarked it and also included your RSS
    feeds, so when I have time I will be back
    to read a great deal more, Please do keep up
    the great jo.

    my web-site :: http://wiki.board19.com/

    ReplyDelete
  98. (Thank you rounds are always welcome, of course.

    Popular prizes include sports tickets, cash and vouchers for drinks,
    food - and dollars off of tabs. The Bull's Head Pub, Bangkok.

    My web page :: Clever Pub quiz Names

    ReplyDelete
  99. I'm not sure where you'rе getting your informatіon, but gooԁ topic.
    I neеds to spеnd some time leaгning muсh
    mоrе or understanding mоre. Thanks foг eхсellent information
    I was lοοking for thіѕ іnfo foг my missiоn.


    Feel free to surf to my ѕite ... handmixer test

    ReplyDelete
  100. Whаt's Going down i am new to this, I stumbled upon this I have discovered It absolutely helpful and it has aided me out loads. I'm
    hoріng to cοntribute & help ԁifferent customeгs
    likе іts аided me. Great job.


    Take a look at mу weblοg ... erdwärme

    ReplyDelete
  101. Some were practical, of course, but others were psychological and emotional.
    Anna had been looking through my phone while I was naked.
    They feature almost nightly drink specials and some form of entertainment every night of the
    week--DJ's, live music, trivia, you name it.

    Feel free to surf to my blog post - great pub quiz names

    ReplyDelete
  102. (Thank you rounds are always welcome, of course.

    Popular prizes include sports tickets, cash and vouchers for drinks, food - and dollars off of tabs.
    8.

    Take a look at my web blog; pub quiz answers and questions

    ReplyDelete
  103. "Nanny McPhee" - A superb Movie utilizing
    Magic including a Message to get Children

    my webpage :: video to mp3 converter download

    ReplyDelete