Get free traffic and clicks to your site with Ougos!
Join Now!
http://tinyurl.com/Ougos-de
Basically make a website and have some pages that link to nowhere except for ads.
I recommend using weebly.com or webs.com or our own website
All pages lead to nowhere and have ads. Also, you might want to advertise your site on many places so the ppc site won’t question why your site doesn’t show up on any places.
Sign up for the ougos program.
Ougos Your Online Traffic Broker
http://tinyurl.com/Ougos-de
Download the browser.
http://ougos.de/app/downloads/setup.exe
Install and when you open it up I recommend going to the top bar, tools and disable everything except for
-allow cookies
-allow scripting
-enable pop-up killer
These settings also affect the settings on your internet explorer.
Now once you’ve made your site add the link in on ougos.org on the far left on my links. It’ll take a day or two to get it approved. For now you can just earn credits for future uses.
There’s a link on ougos.org that says to put in your browser on your account page.
For me its going to be.
-http://ougos.org/beta/view.php?user=that1guy-
In the ougos browser go to surf – setup and place that there and hit ok.
Now go to tools-developers-analysis-six. Now you’ll be earning credits which will be used when you link is approved.
Sign Up for an ad site and start earning clicks
Duration : 0:5:32
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Welfare MLM vs Top Tier money programs.
Top Tier programs bring home the bacon, today, they bring home the candy and ice-cream today. If you can lay your hands on $1000 to $2000 at your age, you are in serious trouble. You have to ask yourself what has gone wrong.
40, 50 or even $100 programs will never cut it, there is just too much effort, energy and time that has to go into them to get pitence returns.
If you only have 50 to 100 bucks then you dont have time to play with welfare programs you need help.
TOP TIER Detergent Gasoline is the premier standard for gasoline performance. Six of the world’s top automakers, BMW, General Motors, Honda, Toyota, Volkswagen and Audi
What does it mean to be a top-tier firm in Australia, what does it take to get into it, and does it really matter if you’re not?
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Australia as a top-tier US military ally alongside the British. “You’ve got a great military, full of decent people. And you ought to be proud of them,” Mr Bush said yesterday.
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Abunza
Duration : 0:5:9
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Adsense And Clickbank Monetized | Search Engine Optimized | Niche WordPress With The Socrates Theme!
http://brandtop.org/forex — Forex Signal
http://brandtop.org/theme — Create An Adsense And Clickbank Monetized, Search Engine Optimized, Niche WordPress Blog In Just A Few Minutes With The Socrates Theme!
Socrates allows you to create 1000′s of unique designs for your website in a matter of minutes. It might just be the last theme you’ll ever need
Features Include..
* Built in Header Generator
* 200+ Niche Header Designs
* Custom Navigation Bars
* Optional Built In Adsense and Clickbank Ad Bar
* Social Media Slider
* Choose from Dozens of Backgrounds On The Fly
* Custom Styling and Color Options
* Affiliate Program Integration
* Custom HTML Rotator
* Multiple Sidebar Layouts
* Internet Marketing and WordPress Training
* Monetize With Any Affiliate Program or Network
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Once you order you’ll also get instant access to our Video Tutorials
* WordPress Installation Video
* Socrates Installation Video
* Adsense for WordPress
* The Everything WordPress Webinar
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* How To Locate Profitable Niches
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* How To Find A Great Domain Name
* The Best Webhost For Your Domain
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* How To Get Paid To Promote Other People’s Stuff
For more information, please visit our website:
http://brandtop.org/theme
Duration : 0:2:48
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I would like to be one of the people who give presentations about new products (kind of like a Steve Jobs and Apple – just smaller) What college major would I have to take to get a degree in this?
The job is NOT giving presentations. Those are designers, developers, inventors and marketing people. They have a new product to sell and the presentation is just part of selling them.
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85 Free Php Scripts
1) Expired Domain Finder Script:
This PHP script has become a very hot item within the last 6 months! This Script will look up domains that have expired, or are about to expire in both the Yahoo! Directory, AND Dmoz Directory! This script will also allow your customers to monitor domains that they are interested in; it has a domain digger, and has PayPal IPN functionality built right into the script! There are many websites selling memberships using this script for up to as much as $29.99 per month! The script comes with an administrator section where you can manage the look, and feel of your website, as well as manage your members, set up different membership packages and more! The fact that this script uses MySQL means that it is extremely fast, and can look up expired or soon to expire domains in an instant!
2) PHP Auto Hits Script:
With this new PHP Auto Hits script, you can set up a profitable traffic exchange service, complete with an auto-surfer and everything else.
The Following Scripts ALL come with Royalty-Free License!
3) PHP Link Listing Script:
The Script Is Unique from Other Link Listing Scripts In That It Creates Different “Rooms” For Different Links! Making This Powerful Script its Own Little Web Surfing Tool For The Visitor Of The Site! It Is More Or Less A Nice Little Search Engine! Once A Visitor Signs Up For The Website they are placed on a mailing list, and the script automatically sends out an email to each visitor every time a new link is added! You Can Make Money Selling Advertising To Other Webmasters! The Automatic Email Will Guarantee Your advertisers that their link will be seen! The Visitor will have a choice on whether to receive an email for each link OR one email with all new links listed! There is a top ten list for the most popular links! When you add a new wing, you choose a name and also who can get there. You may have rooms that are off-limits to the public. These private rooms will never be shown to the public or appear in the Top 10, Last 10 and Random lists! A very nice script!
4) PHP MySQL Yahoo Style Link Directory/Search Engine:
This Script is a PHP and MySQL powered links database which allows You to run a database driven categorized links section on a web site – similar in structure to Yahoo or any other categorized links collection. Features include:
* Fully database driven utilizing MySQL.
* Full template system allowing you to control the HTML output of the script without needing to alter any of the PHP code.
* Easily customizable if you wish to alter the script in any way.
* Very easy to admin via the web – log in and add / edit categories and links.
* Visitors to your site can recommend new links, which you can then validate.
* Allows visitors to rate your links from 1-10, and displays average rating.
* Rating a link more than once is discouraged using cookies.
* Number of hits each link has received is recorded and displayed.
* Very easy to set up and use, thanks to an installation script and config file.
* Built in Search Feature.
* Most popular, top rated and newest links pages.
5) PHP MySQL Website Stats Business:
This script is simply awesome! It is a new PHP script, and will allow you to set up your own link tracking business! There are two different memberships you can sell with this script, and both are beneficial to you! The lite membership costs less, but requires your customer’s to keep a banner to your website on theirs in order to track their stats! The pro membership of course costs more (Whatever price you set!) and does not require the customer to link to your site! The script automatically takes payments via the PayPal subscription method so you are insured to receive your fees every month! It also keeps track of your customer’s statistics daily, weekly, and monthly! This is a VERY nice script!
6) Automated Form Submission Prevention Script
Did you ever sign up for a website that makes you enter a combination of distorted letters and numbers to prevent automated signup and wish you could add that script to your site? Well now you can. This script generates distorted images of random sequences that most humans can read, but computers cannot, therefore to prevent automated robots from submitting forms and signing up for your service.
7) A Sophisticated PHP Ecommerce Site
This script will allow you to run a very nice, and very secure ecommerce area or store front from your website! It is very easy to install and comes with an installer script so that all you need to do to set it up is point and click! This in-depth script will keep your customer’s entire records safe in a database, and will allow you to update orders and more! Highly Recommended!
The Well Known osCommerce PHP Shopping Cart!
osCommerce is quickly becoming the shopping cart of choice for many online merchants! This script is simply AWESOME! You can literally have a store set up and ready to take orders within an hour! The script comes with a VERY easy to use admin section where you add all of the products, manage customers, shipping, tax, payment process, inventory, and just so much more to mention! You can use MANY, MANY different payment gateways with osCommerce including PayPal, 2Checkout, authorize.net, and many more! This version of the script is NOT simply the snapshot version THIS IS THE MILESTONE RELEASE!
9) Your Own FTP Program Written In PHP:
This is another truly GREAT PHP script! This script actually allows you to set-up and run YOUR OWN FTP SERVER! The best thing about having your own FTP server is You know who is using your FTP and if there is someone trying to retrieve your password for your server (which is impossible to do with this script I might add)! You will be able to set up and use your own FTP program with ALL of the benefits of the expensive FTP software! If you are a web host, or have any anonymous FTP users this script will also let your customers use it for their uploading purposes as well!
10) A FAQ Generator PHP Script:
Have you ever wanted to find an easier way to add your customer’s frequently asked questions to your website? This script will easily allow you to add topics, and questions to your new FAQ page! It is very easy to install, And comes with an administration section so that you can add the information to your page/pages directly from your web browser! Every site needs to have a FAQ page for the sake of its clients, and this script provides the easiest way to build one! Comes With Reseller Rights
11) Two Very Nice PHP Toplists Scripts!
The First Is A Detailed PHP Script With MANY Features: If you have ever wanted to run your own toplist website THIS IS THE SCRIPT FOR YOU! It comes with such advanced features as Anti-Cheating, Rules members MUST follow, Easy to match the look of your website, looks up lost passwords, allows you to decide if you want to allow banners to be used by your visitors, Allows you to sell advertising for your toplist, and a lot more! A very sophisticated script!
12) The Second Is A VERY Nicely Designed PHP Topsite Script:
This toplist script has a VERY nice design to it! It is very easy to install, and is template based so all of the HTML work has already been done for you! This toplist script is limited ONLY BY YOU! You can allow as many or as few links to be added to the entire list, or even page by page! Many toplists make the major search engines fast due to the amount of links, and visitors they receive! This is a great way to SELL advertising Or simply advertise your own websites!
13) Two Auction Scripts 1 PHP, And 1 Perl/CGI!
The First Is a Popular PHP Auction script! This is a VERY nice PHP auction script! It Is a very easy script to install! There are Many Premium features that come with this auction script! Once it is installed you can easily manage your new auction site from a secure administration section! You can manage the look of your website, manage all of your users, approve, and delete members, send out a newsletter, and much more right from your browser! The script will automatically notify your customers when they register, get outbid, win an auction, or owe you money! Once it is installed it is virtually a hands off business! Comes With Reseller Rights
14) The Second Is Another Popular CGI Auction Script!
A Perl Auction Script That Is Used WIDELY By webmasters! The Script Create auction sites with unlimited categories, and set the price you wish to charge! There is only 1 file to upload to your CGI-Bin! Make a few changes, and WOW! You’ve got your own Auction website! Comes With Reseller Rights
15) Two Affiliate Scripts Both Written In PHP!
The First Is A Very Simple Script To Run: This PHP MySQL script will allow you to run your own affiliate program! One of the easiest ways to get QUALITY traffic to your website is to start your own affiliate program! Pay your affiliates per click, per sale, or in tiers! You will find that when you get more and more affiliates signed up, your sales will skyrocket!
16) The Second Affiliate Script Is A More Sophisticated Script:
This PHP MySQL script has taken running an affiliate program from your website to the next level! It is very easy to install, And The use of MySQL will securely keep your user’s information confidential, and keeps excellent track of all commissions earned by your affiliates! To further secure the scripts it also makes excellent use of sessions! If you have a business online, and do not have an affiliate program, you are missing out on some serious cash!
17) POP-UP Creator:
This set of scripts will amaze you when you see how easy it is to create your own POP-UPS on your website! The Simple To Use Software Makes Creating Popups So Easy, A Child Can Do It! If You Ever Wanted To Use The Power of Popups, This Software Is For You! This version of the POP-UP generator also supports the cookie based pop-ups!
18) PHP Authentication Script NICE!:
If you are looking for a way to secure an area of your website this is one of the most powerful, and secure ways to do so! This PHP MySQL script secures your member’s passwords via the powerful MD5 in MySQL! Your members can finally feel secure about their passwords being secure when you use this script! The script is VERY easy to install!
19) The Perpetual Traffic Generator:
If you are in need of traffic to your website this script is for you! It Will Increases your traffic by a whopping 927%, Allows you to generate traffic 24/7 absolutely FREE! Frees you up from clicking away mindlessly in front of the PC to chalk up traffic credits. Just set it up and it’ll do all the work for you. Sends a stampede of visitors to your website the very day you invest in this incredible web marketing tool Makes you kick butt profit in the traffic generation process!
20) A PHP Links Exchange Website Script:
This link exchange script is a PHP script that allows your visitors to sign up for an account, and add their link to your website! It keeps track of all dead links on your website so that you can easily maintain your site, and keep dead links off of your link exchange! It also has an administration section that is password protected, and allows you to add categories, links, approve, disapprove, and delete links right from your browser! This would be a very nice script to start up a paid or free link exchange! Either way you win because Linking is the best way to get listed in the major search engines!
21) Two ClickBank Scripts
The First Is The Affiliate Linkmaster: This Script Stops you from losing your hard earned affiliate commission. No HTML coding! Just click ‘Generate Code’ and Instant affiliate link masker does The Rest For You! Instant affiliate link masker puts more money in your bank account and NOT somebody else’s! Makes sure you get credit for your affiliate referrals. Quickly create your masked affiliate link in less than 5 minutes. No coding involved, Instant Affiliate Link Masker automatically creates your affiliate web page for you With Instant affiliate link masker you can instantly protect and encrypt your affiliate link. Encrypt an unlimited number of affiliate links. No software to install, just download, unzip and run!
22) The Second ClickBank Script Is The Instant Site Maker:
You can automatically build profit pulling web pages in an instant! Quickly create stunning web pages in less than 5 minutes. No coding involved, Instant Site Maker automatically creates your web pages for you. No HTML coding! Just click ‘Generate Code’ and Instant Site Maker creates your sales page, thank you page and even automatically creates your ClickBank instant download link. No software to install – just download and run. (Requires Internet Explorer version 5.5 or higher) Forget about difficult and tedious hand coding of your web pages . . . Instant Site Maker does it for you and without HTML errors. Instant Site Maker lets you create your own custom web pages instantly. No need to learn HTML or spend hours debugging code, just paste your sales copy straight from MS Word. With Instant Site Maker you can instantly and easily add testimonials to your web page. Quickly and easily create the ClickBank order links so customers can immediately order products from your site. Quickly and easily create your ClickBank thank you page. Quickly create your product download link – so customers’ get their products automatically as soon as their order is processed. Quickly and easily create web pages that are fully optimized for high search engine ranking because Instant Site Maker is designed to automatically include search engine friendly HTML code (meta tags) for your pages.
23) A “Suggest My Site” Script
Let your visitors suggest your site easily by just filling out a form. This script checks the required fields, sends a thank you message to the person who suggests your site and attaches a pre-defined text to the suggestion mail. Supports both English and Turkish languages.
24) A PHP Script For Building A Web Ring:
A Webring Script! Create Your Own Network Of Websites by creating a webring with this nice script! It will automatically email the members of your webring, and keeps detailed stats of the visitors you receive to your webring! A Very nice well designed script, and very easy to install!
25) A PayPal Store Shopping Cart:
This shopping cart script is a data base driven content management system using PHP and MySQL on a Unix platform (it may work on a windows but I have not tested yet). It supports PayPal IPN, LinkPoint, Worldpay and Authorize.net integration and for those who have a merchant account at their bank there is a way to store credit card info encrypted on the server using mcrypt; it uses a key for encrypting/decrypting CC numbers to and from the data base in SSL.
26) PHP Form To Email Script SECURE!:
It is hard to find a form mail script that will securely deliver your client’s results every time, while concealing your email from the SPAM bots! This Script Will Do Just That! The script was cleverly written to disguise your email address, and yet get the results of every form filled out straight to your inbox! We recommend this script highly, and our clients LOVE it!
27) A Online MultiPlayer Chess Script
This is an advanced WebChess game where two people can meet up online and play vs. each other. It has many advanced features such as Pawn Promotion, Move Validations, Tells if King is checked, and many, many more. It requires PHP and at least one MySQL Database.
28) A Super Easy Administration Program
With this super easy admin program user’s can create, modify, and delete files and directories. The code is in a modular format so new modules can be easily created and added. The download is small and contains no un-necessary images or advertising. This is the newest version which has encrypted passwords and now works on newer PHP systems and does not require register_globals to be on.
29) A Sharable Web-Based Address Book Script
This script is a web based address book, sharable, multilingual with data import/export features and is based on PHP4 and MySQL. Main features include Create/Access your address book on an internet website; import/export your addresses from/to your email client and/or other address manager applications, users and contacts groups management, group’s members messages send facilities (small mailing list utilities which won’t replace a mailing list manager). This script is also tunable (colors, fonts, content display, language). This script also comes with installation instructions in French (other than English).
30) A News Publishing Script
With this state-of-the-art news publishing script written in PHP and using MySQL, you can post news any time anywhere to your website by using the password protected administration section. Some features include; post news, delete news, delete all news, edit news, delete multiple news, change status (make visible/invisible), supports multi-language, supports CSS, you can call the script via JavaScript, allow/disallow html, display news as NEW for any amount of time, display the latest news, display all the news, display full story and display how many times an article has been read.
31) A “Users Online” Script
This “Users Online” script is written in PHP and allows you to display the exact amount of online users on your website in a very convenient and efficient way. “Users Online” scripts make your website look high-tech and professional and are something no webmaster should be without on his/her website.
32) Awesome File Transfer Script
This awesome file transfer script allows your users to upload and download files from your server; it id highly configurable with user accounts support. Users can give descriptions to files, create and delete their own files and directories and sort lists by filename, upload date or downloads. Currently supports English, Italian and Spanish, but you can customize the application in your language too. If you own a community website such as an online forum or wish to start one, this is the perfect script for you either as a stand-alone or an extra service on your website. This script can get visitors to come and keep coming back time and time again.
33) Affiliate Banner Rotation Script
This affiliate banner rotation script is probably the most easiest to install ad manager on the web! All you’ve have to do is upload a list of all your affiliate advertising codes in a list and that is about it. Simply include the script using a PHP include code (included) and you’re on you way fast and easy. The script changes which advertisement will be viewed next making sure that all your adverts get equal viewing (does NOT show at random like most scripts) and the script requires the page to be refreshed to change the advertisement seen so that you get extended viewing per banner.
34 Simply AWESOME Dating Website Script
This is simply one of the best dating scripts available written in PHP & MySQL. Several cool features available in this script are users can add, edit and delete profiles, upload up to three photos, user messaging system, users can set to be notified when another user will reads their message, users are given numeric usernames to increase privacy, who is online feature, recommend us feature, current birthday list and statistics on the main page (amount of men and woman members).
35) Simple yet Powerful Download Counter Script!
This simple yet powerful download counter will log the details of anyone who downloads any file you specify. It will log their IP Address, Remote Address, browser type and even operating system and you can easily modify and add new downloads through a powerful password protected admin panel. This script can keep track of an unlimited number of files. MySQL and SSI (Server Side Includes) are required.
36) Another “Users Online” Script!
This Users Online script shows how many users are on your website, you can change the time in which the MySQL Database Table is refreshed so you can count users online per minute, hour, week etc! This script is more user friendly and comes with a “setup.php” installation file which will set the script up for you.
37) Text based counter written in PHP
You can quit paying for traffic counter services. This script is a very simple and super easy to install webpage hit counter. The font and color of the counter are completely customizable and there are only 2 files to upload to your web server. Plus you will even have the ability to separate the thousands for added customization.
38) A FAQ manager written in PHP and MySQL
This PHP “FAQ” manager is a simple script yet powerful script that will help you to create (and manage) a FAQ (Frequently Asked Questions) page on your site. It is written in PHP, MySQL and FastTemplate so it is fast and easy to configure. Every website needs a FAQ page so you don’t look like just another “fly-by-night” website that won’t be in business for longer than a month or two.
39) A Sports League, Fixture and Prediction Management Script written in PHP and MySQL!
This powerful script is a football management software written in PHP that use a MySQL database. It has a modular design and comes with two free modules. The league module features wizards for managing a football league, fixtures, games, teams, results, divisions, etc. League team statistics are automatically calculated and updated every time a game is played/entered. The news module features an HTML news creator/editor that can be used to post news.
40) A PHP Whois Lookup Script!
This script is a ready to use WHOIS lookup PHP script that all you have to do is unpack, upload and you are ready to go. The script checks for .com, .net, .org, .biz and .info domain names. No PHP knowledge required! This is the latest updated version which is super easily to customize; you can easily change the language (few lines) or disable domains you don’t need.
41) HOT PHP Visitor Logging Script!
This Hot PHP script is a state-of-the-art visitor logging script that can easily display 10 vital statistics about your users. The advanced visit logs this script generator tells you the IP Address, language, browser, operating system, if the user is new to your website, date and time of visit, last visit, days since last visit, referrer page and the keywords they used to find your website (if applicable).
42) Awesome LiveHelp Script!
A live Help support chat system that allows the operators of the websites to monitor their visitors as they are browsing the site and proactively open a chat session with the visitor. Other features include either text based database or MySQL database, chat notification, user is typing message, multiple chat sessions and multiple operators.
43) PHP & MySQL Content Management System
This hot script installs in just minutes on any Windows, UNIX, Linux, or BSD based web server and setup is made super easy through a complete web-based installation system and an included installation guide. Once this software is installed changes to the content of your website is made in complete real-time through an easy to use web-based administration control panel. The control panel allows you to tune every aspect of your web sites visual appearance and layout and also provides an easy to use content authoring & management approach unique to this script. The visual appearance, layout properties, and navigation scheme of the web site can be instantly changed at a global level selecting from installed professional looking skins and navigation bars which will automatically reformat the look of your content “on the fly” while leaving your database driven content completely untouched. Users of this script will find that authoring and editing content for the web site is a snap by making use of the enhanced authoring interface which includes support for both WYSIWYG editors and plain text/HTML markup languages. Uploading and managing your files is also simple using the included file management utility allowing you to upload your images, documents and other files directly from your computers hard disk to the web server where it will become available for use in your websites content. This script is a must have for webmasters who are looking to make completely managing their website a breeze without a lot of programming knowledge.
44) An Electronic Reminder Script
This script allows web-clients to set up reminders to automatically email them at a certain time to remind them of special events. They can set up a one-time reminder or a recurring reminder and they can have it notify them in advance.
45) Hot Mailing List Script!
This mailing list management script is written in PHP and all subscriber info is stored in a MySQL database for security. Features include checking whether a subscriber is or isn’t already registered/subscribed, sending out messages at the time of subscribing and unsubscribing. A powerful and user-friendly administration control panel allows you to send messages, list and delete subscribers, supports HTML emails, gives a preview of the message before sending, logging system, Multilanguage support for English, French, Italian and German, plus a user-friendly web configuration and installation system.
46) Web-based Image Management System!
This hot web-based image management system is written in PHP and uses MySQL. It features cataloguing by standard comment fields or Photoshop-type embedded comment fields, sub-categorizing into separate repositories, database searching capability, and more. This is a great script!
47) Web-based POP Email Client!
This script is a web-based POP mail client and is very simple to install but nevertheless a quite advanced program. Some of its features include easy to install (does not require PHP to be compiled with IMAP support), reads and sends attachments, displays text/HTML attachments in-line (while still giving you the option of saving them to your hard drive), all the basic functions (send, receive, reply, reply to all, forward, delete), view all headers or the full source of the email, works even if the user has disabled cookies, localized date field, translated into several languages, can be set up to check for new messages automatically, customizable page layout, and more. Awesome Script!
48) Hot Fully Featured Web Portal System
This script is a web portal System for any webmaster; you can set it up as a storytelling software, news system, online community or whatever you want your site to be. Port the system to your local language and customize every aspect of this remarkable script. Each user can submit comments to discuss the articles, similar to Slashdot, only faster and more secure. Features include a web based admin, surveys, top page and access stats, user customizable box, friendly admin GUI with graphic topic manager, option to edit or delete stories, moderation system, customizable HTML blocks, user password encryption and retrieval, search engine, backend/headlines generation, and more. Written in PHP and requires Apache, PHP and MySQL; the over-riding development philosophy for the software is performance, privacy and security.
49) Nice FFA Link’s Page Script
Out of all the basic FFA (Free for All) links page scripts I have seen I actually like this one. This script allows visitors to add links to your page in a specified category and it is quite, if not super, easy to install and the administration area supports the deleting of existing links. FFA Link’s pages are a great way to look established and keep your visitors coming back to your website again and again.
50) Highly Advanced Guestbook Script
This highly advanced guestbook script is written in PHP and uses MySQL. It includes many useful features such as preview, templates, email notification, picture upload, page spanning, HTML tags handling, smilies, advanced guestbook codes, language support and it has a great interface to seal the deal. The admin area lets you modify, view and delete messages which gives the owner extra control.
51) Powerful Portal with Content Management
This script is highly customizable and high powered all in one system; it provides content management combined with the power of a portal by including in the core package modules features such as FAQ, polls, and forums. This script uses dynamic-template-design which means you have the power to control what your site will look like. Themes are included, but not required as you can create the page however you want and this script will just insert code wherever you want it. Written in PHP and utilizing MySQL to make it amazingly fast and secure, this script is a great solution for all size website communities.
52) PHP Online Classifieds Script
This classifieds script is an easy way to set up a classified ads website; it is designed in such a way that it is extremely easy to change the look and feel of your website. You can design your pages around the functionality of the application. Although this script does give you a lot of control over the look and feel of the site, it lacks an interface for advanced administration features. However all the administration can be done through an interface such as phpMyAdmin. If you know how to use phpMyAdmin or a similar application and are familiar with relational databases, it should be really easy to administer categories and users, etc.
53) Fully Featured Web Event Calendar
This is a customizable web calendar developed using PHP and powered by MySQL. The calendar is viewed in month format with a popup window detailing the events of each day as they are clicked on. The title and colors are fully customizable within a single file and the application can be modified to work with other database types.
54) A PHP Bookmarks/Favorites Script
This PHP Bookmarks script is a web-based program that allows you to store your bookmarks and display them in many useful ways. This script will sort your bookmarks with usability in mind, keeping often-used bookmarks at your fingertips. It has a bookmark search, private/public bookmarks, nested groups, usage rankings, popularity sorting, and a quick add feature.
55) Client Invoicing Script (HOT)
This is a MySQL powered PHP program for invoicing clients so they can view/download invoices. The system allows an administrator to enter the client details and invoices. Each client must be given a username and password to login to view their invoices and the administrator can view the full database by client, date, amount etc. There is an optional email notification system and full setup instructions included.
56) ICQ Pager Script
This script enables you to put a ICQ pager form on one or more of your web site pages; the visitors to your website then can use this form to send a short message to any ICQ user. A cool script that will keep your visitors coming and coming over and over again.
57) Frequently Asked Questions Management Script
This cool script allows you to administer a website’s frequently asked questions. It blends easily with your site, allows unlimited category depth, is searchable and allows questions to be in multiple categories. And optional user question submission option is available, along with most recently added and most popular lists.
58) ClickBank “Thank You” Page Protector Script
This is a fully automated “Thank You Page Script” which is much more powerful than a Static HTML Page. This System will verify whether your buyer is forwarded from ClickBank after payment, order Details including the ClickBank “Receipt #” will be displayed on your Thank You page, this System will collect the name and email address of your buyer, a sales report will be sent to you Instantly, a Thank You message will be sent to your buyer without any delay, it adds the buyer to your Autoresponder System so that follow-up emails will be sent to promote your other products, the whole system is fully automated and easy to customize with any text editor. With this script you don’t have to send a thank you message to your buyer manually, you don’t have to add them to your customer database yourself, you don’t have to send them promotional emails manually to promote other products, you don’t have to worry about getting repeated sales and you don’t have to worry about ebook and software Hackers.
59) MySQL Database Backup Perl Script
With so many scripts in this package using MySQL databases, I only thought it be fitting to add a script that would easily allow you to make backups of them. But this script can be used anywhere you have a MySQL database and Perl is supported, this script will save your skin over and over again.
60) CGI-Based Autoresponder Script
This script is very easy to install and in less than 10 minutes you can have it up and running which could be the reason it is the number one choice of website owners who want to take control of their online operations. It has highly advanced features that every autoresponder script should have. With this script you can send an unlimited number of follow-up emails and send follow-up emails everyday if you want (some autoresponder scripts allow you only 20 follow-up emails). This script also works on an unlimited number of subscribers and it will work great even if you have 100 or 1 million subscribers.
61) Fully Featured PHP Message Boards Script
This is a fully featured message board system and is meant to be both powerful and easy to use for the users and the administrator. With this script you can setup an online message board community which is sure to keep your visitors coming back again and again and is especially useful for people to ask support questions for your members to answer for free
62) PHP “Submit-A-Link” Style Script
This “Submit-A-Link” style script gives you the ability to offer instant links on your site. Your ads appear above and below the links and also on the submit page. You only need to edit one file and upload which makes this script very easy to use. This script also doubles as an opt in list! When anyone submit their link they give you permission to send them email. All email addresses are stored in one .txt file, making it very easy for you to add the emails to your current email program/newsletter script!
63) USENET News Client
This PHP script is a USENET news client based totally on a web interface and written in PHP4 with a MySQL database at its backend which allows you to develop useful tools such as search engines, SPAM filters, subscriptions, stats, and much more. The web interface of the “news group” script is very easy to use, and has all the advantages of the modern webmail systems because you can search through any news group anywhere in the world without the need of setting up any program.
64) PHP Image to ASCII Generator
This is a PHP program that generates ASCII images from JPG, GIF or PNG images. There are several options to alter the generated output, such as color, inversed color, font sizes, background color, line height or letter spacing only to name a few. So if you are looking to generate ASCII images from regular jpg, gif or png images, look no further as this is definitely the PHP script for you and will get the job done.
65) MySQL-Based Office Intranet Suite
This hot script is a PHP and MySQL-Based office intranet suite similar to other more expensive scripts. It includes a news page, calendar (WebCalendar), rolodex, contact log, network status page, task list, time sheet, office survey, and more. All-in-all this is a great script and will be very useful for those who are looking an office intranet solution.
66) Another PHP Web FTP Program
This tool can be used to access FTP sites from behind any firewall or proxy. Simply enter the server name (e.g. ftp.ebay.com), username and password or click the anonymous button and enter your e-mail address. The script will make a FTP connection from the server it is running from. When the file is fetched from the FTP server, it will send it to the browser via the HTTP protocol.
67) PHP Based Image Watermarking Script
This script aims to provide a simple way of marking an image with a digital “watermark” to prevent unauthorized use. It is implemented as a PHP class and should be usable inside most PHP scripts. Images are accepted either as a filename or as a reference to a PHP resource.
68) Nice Looking PHP-based eCard Script/Website
This script is a PHP-based eCard system that is easy to setup and use. The simple Administration Console allows the administrator to upload images (JPEG’s or GIF’s), add eCard categories, and modify existing settings – no more messing with HTML or PHP to get your eCard site up and running and comes with a nice looking template design to close the deal.
69) A Simple Document Management System
This script uses PHP to provide you with a great interface to a MySQL server that allows you to store and retrieve documents and to share those documents between users. In addition, the system uses ACL (Access Control Lists) to grant access rights to documents on a per-user basis. It allows you to distribute project documentation on a need-to-know basis, whilst keeping a central repository of documents that is accessible to all team members and easy to manage.
70) PHP-based Instant Photo Gallery Script
This script is a tool for posting customizable, template based galleries, by simply uploading images to the server the script is running on. The script scans the directory you point it to (via a query string), and then it stores the list of images it retrieves in an array that is POSTED from page to page as the user moves through the gallery. This method of file-list-passing makes this script significantly more efficient than gallery tools that scan image directories each time they generate a page.
71) Anchor Tag Creator Script
This nifty little script pre-processes HTML before displaying it to the browser locating user-defined keywords in the HTML string (or plain text for that matter), and subsequently replacing the keywords with anchor tags of user-defined URL’s. Pre-defined ‘template’ anchor tags are available for Google.com searches or Dictionary.com lookups. This script takes care that no replacement inside an HTML tag is made and also avoids matching keywords which were found inside of a pre-existing anchor tag’s text. With this script your website vistors experiences are enhanced by providing links to dictionary definitions, web searches or any user-defined URL’s. And whats even better is that web content developers are provided with a simple way to link keywords without having to manually create all those anchor tags.
72) CGI Customer Tracking System Script
You can now let your customers submit their request/questions and you will get email notifications in order to respond to your customers. A simple and colorful way of tracking customer requests with an easily configurable customer request form. A sort on customer, status of ticket, date submitted and even agents is available.
73) Advanced Photo/Image Gallery Script
This PHP & MySQL based photo album features include unlimited albums and photos, users and comments, automatically add and remove photos, thumbnail support, multilanguage and themes.
74) Awesome PHP-Based Chatroom Script
This easy to install, simple to handle, cross-browser compatible chat system comes with its own socket server. If you have a modern browser with frame support and JavaScript enabled, it makes use of these technologies; if you have an older browser, have JavaScript disabled, or even a text browser, you can still chat using this script. In contrary to many other PHP/MySQL webchats, this script can (but must not) be run using a non-forking socketserver to handle all message transport.
75) PHP Counter Hosting Script/Website
This script is a complete counter hosting tool. It lets you offer counter service to others from your site. Your members don’t need any PHP-support on their webserver, they just pass the required data through JavaScript to another script that is hosted on your server. It supports IP-check with timeout, show online-users, visitor-paths, download-count, multi-page count, email-notification, admin-mode to create/del users, request new password, visitors per day, search-function and a mailing list.
76) Perl Visitor Welcome Script
With this handy little perl script you can welcome your visitors depending on the time of day. The greeting text can be modified and is inserted by SSI. Features include the ability to greet the visitor depending upon the time of day, ability to insert the script by SSI, greeting words can be adapted freely, time offset between local time and server time can be adjusted.
77) Website Indexing and Searching Script
This sophisticated, powerful, versatile, customizable and effective site indexing/searching suite comes as a pair of distinct scripts. The indexer automatically scans and indexes a web site, and the search engine, a cgi script that serves search queries for keywords over the index, displays results pages in HTML, in a standard format including title, description and relevance ranking for each matching document.
78) PHP-Based Help Desk Script
With this script you can own your ticket based help desk system that allows you to completely manage and answer your clients questions with speed in ease. Messages are archived so you can refer back to questions when they are the related which will greatly reduce the time you have to spend managing your business.
79) Complete PHP Bug Tracking Script
This highly-usable PHP and MySQL based script is an easily deployable, web based bug tracker to aid in product bug tracking. Features include easy installation, platform independent, supports multiple projects and languages, emailing, searching and more. This script is a great thing to have if you are developing scripts or real-life projects and want a way for your users to submit bugs and for you to keep track.
80) Document Management System
This super script expertly programmed in PHP is a web based document management system designed to comply with ISO 17025 and OIE standard for document management. It features fine grained control of access to files, and automated install and upgrades.
81) Banner Management and Tracking System
This powerful script is a banner management and tracking system written in PHP; it can manage multiple banners (any size) per advertiser and allows you to view daily, overall and summary statistics plus send statistics to advertisers via email.
82) Web Form Generator Script
This script is an easy-to-use tool to create reliable and efficient web forms and the best part is that absolutely no programming of any sort is required and it has the ability to create up to 100 different form fields plus can add a variety of field types including text boxes, drop down selection and more.
83) Directory Indexer Written in PHP
This PHP script makes a table that lists the files in a directory and lets you access the files and subdirectories. It includes searching, icons for each file type, an anti-leech feature, bandwidth limiting, access logging, and more.
84) Web-based Reservation System
A web-based reservation system that allows administered management ofreservations on any number of resources. Typical applications are room or machine reservation management.
85) PHP Online Project Management Script
You can now have online project management with team collaboration, user management, multiple access levels, tasks, projects, and time tracking, task change history, files approval tracking, notes, client project sites and more with this super useful script that can really help organize your business.
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Analysis of Governance Issues in the Housing Market in Sierra Leone
Macro-Economic and Political Environment
The sluggish financial and economic progress of 2008, under the Koroma administration, nevertheless holds the possibility of strong and broad-based economic growth as the economy struggles to rebuild from the war years, together with moderate inflation levels. Over the medium term, any improvement in key sectors will offer hope that the economy will bottom out of aid dependency, given credible internal reform, strong policy-making and institutional investment. The country’s macroeconomic and financial policies devised and put to work within the context of the Poverty Reduction Growth Facility (PRGF) arrangement show the potential to accelerate trends that are promoting broad-based economic recovery.
The current democratic dispensation has created an enabling opportunity for the administration of Koroma to make a significant step in advancing economic and social development. Even better is the concept of “public value” and the “strategic triangle” approach adopted by the British international agency, Public Administration International, to have each Ministry and Department of the new administration in Sierra Leone to address and align questions of strategic goals and priorities in terms of public value outcomes to be achieved (Public Administration International). But the pervading deficiencies in the public administration are not a positive indication of good governance.
An aggressive effort, however, to involve the Diaspora resource in national development is gaining significance with the administration—a strategy likely to be more helpful. The current Diaspora engagement has opportunities to it for the economy and businesses. In addition, the PRGF recovery tool used by the Government of Sierra Leone—monetary and fiscal stimuli—will be relatively effective under the circumstances. This strategy of engaging the Diaspora has put the Koroma administration model of a free-market economy in the public interest.
With this new development in Sierra Leone’s political environment, the financial system is seen to be promising; and the regulatory framework, as having the potential to be fixed to curb widespread corruption. Now, searching for growth, the Koroma administration is opening up to ideas from the Diaspora to a degree that differentiates it from previous administrations. The government is turning a historic corner and heading into a period in which the role of the Diaspora will be formidable. The Office of Diaspora Affairs which has literally been recognized as an official agency of the government and is working “towards linking Sierra Leoneans from the Diaspora to different business opportunities, agencies, ministries, and departments in Sierra Leone” (Office of Diaspora Affairs) can be made to work better. The Office of Diaspora Affairs’ Diaspora Trust Fund, for instance, as a development vehicle for Diasporans to make an impact can be sufficiently used with specific terms of reference to mobilize Sierra Leoneans in the Diaspora to pool their remittances to buy into state-owned enterprises (SOEs) in Sierra Leone that are slated for privatization.
As it is the case, President Koroma has been quite open-minded, as well as the appeal of his style of democracy, appears to be restorative. Although Sierra Leone is fortunate that her governance problems have now being assumed with the promise inherent in the election of this insurance broker as president, historical forces—and the endemic nature of corruption in society—will pose a serious threat to his presidency regardless.
Indeed, the macroeconomic outlook is promising. The country shows the promise to benefit economically from the PRGF arrangement but only with unwavering commitment by the APC administration. The real estate sector is a growth market in Sierra Leone if given the attention it deserves. The export markets have the potential to grow as well and the overall growth rate of the tourism market and the service industry can also do very well with good governance. But the country is still rather stressed by unwilling cabinet ministers and public servants.
The balance of payments with higher merchandize imports is seemingly showing an increase accounted for mainly by an increase in imports of machinery and transport equipment, chemicals and manufactured goods; and mineral fuel and lubricants constituting the largest share of total imports look encouraging. Exports growth shows potential with diamond and gold exports forming by far the largest share of total exports. This relatively promising balance of payments position gives the country the opportunity to solidify its strategic advantages as the government struggles to rebuild. At the same time, this PRGF arrangement and the growing balance of payments may lead to a stable economy. Corruption minefields may be diminished, which may quicken the growth of the economy. And it is likely that, with Koroma less distracted by a corrupt cabinet, his administration will see more clearly than its predecessor that strengthening the economy by addressing corruption head on should become his government’s most important good governance strategy. The administration should now truly show commitment to lead efforts to improve Sierra Leone’s Human Development Index rating and expand the benefits of sound economic management to be felt at the household level in the form of improved income and job prospects as well as improved basic services that support the growth and productivity of the informal sector on which 80% of the active working population survive.
Underutilized Housing Market Sector
Sierra Leoneans are squeezed by a confluence of pressures, especially those with low incomes and uncertain formal access to secure land. There are images of famished existence seen in many places. Kroo Bay, for instance, is one of Sierra Leone’s largest informal settlements, with an estimated population of about 10,000 inhabitants. It is also the most impoverished and neglected area, with no supply of drinkable water, no electricity and lacking all public services. Kroo Bay is part of the urban core, located on the coastline in central Freetown. Informal settlements are also present in the Bormeh, Government Wharf and Susan’s Bay easements and on both private and public lands. The characteristics of these settlements share common features that are more evident in some areas than others. They are located on marginal land (including under bridges and flyovers) with poor drainage and extremely poor housing conditions with few foundations, makeshift roofs and impermanent building materials.
The government has a lot of work to do to make the housing sector in Sierra Leone viable. The country’s housing market crisis portends a combination of a much disorganized land tenure system and poorly developed mortgage market. The disorganized land tenure system reflects the Ministry of Land’s overly corrupt handling of land estates. The poorly developed mortgage market reflects, among other factors, a weakness in housing and nonresidential construction in Sierra Leone. Policy makers apparently lack appreciation for a stable mortgage market and has not created the enabling environment to encourage banks to reform bank business models and practices to accommodate the intricacies of commercial and mortgage banking. But it is obvious that access to land and housing for most Sierra Leoneans is still tantamount to the ultimate form of social security. It is for this reason that most urban and rural Sierra Leoneans would sell their houses only under the direst of circumstances, and they are generally comfortable with customary ownership of land. In reality, widely shared social values affect attitudes towards the marketability of land and housing.
Escalating prices on land with legitimate titles on the one hand, and multiple disputed sales of land with phony titles on the other, are especially inconvenient risks, especially in urban areas. A general lack of security, whether social, legal, or economic, is inimical to financing housing, and land problems in Sierra Leone represent the highest risk to the development of a vibrant housing system. Land banking by developing an integrated management information system with detailed property information for property development is essentially one critical response to the current inefficient land management system. Fundamentally, this requires also a sophisticated construction management and loan product development program in place.
Sierra Leone does not have a source of home loan money. Even though the Sierra Leone Housing Corporation (SALHOC) as a parastatal (semi official) body that “follows government housing policies is designed to create partnerships with the private sector, NGOs and the public sector to make housing services accessible to all sectors of society, particularly the poor” (Report on Country of Return Information), it does not have a matured mortgage operation that provides borrowers with major mortgage loans.
Facing the underutilized housing market in Sierra Leone, the government can act responsibly by promoting the growth of home ownership and facilitating the provision of a secondary mortgage market. This is how Fannie Mae succeeded to help millions of Americans achieve the dream of home ownership. A secondary mortgage market exists in the buying and selling of a mortgage from one lender to another. A bank or mortgage company that provides a loan turns around and sells that mortgage to the government parastatal that has to be properly set up to handle such purchases. This frees up their cash to make another mortgage loan. And the cycle of growth is expanded and sustained in this manner. The idea and concept worked for Fannie Mae, SALHOC can therefore adapt some features of the Fannie Mae concept to set up its mortgage operation in Sierra Leone as a privately held, stock ownership company that will promote the growth of the housing industry by making it possible for many low-to-middle income Sierra Leoneans to own homes. Investors, especially Sierra Leoneans at home and in the Diaspora can purchase stock in the Sierra Leone Housing Corporation, and this will not only increase their own wealth, but will also help to fund the home ownership possibilities for a new generation of Sierra Leoneans. Through the issuance of mortgage backed securities, for instance, the reformed Sierra Leone Housing Corporation can guarantee investors a return on their investment, and at the same time, providing a source of funding for issuing further mortgages. This provides the nation’s lenders with a steady stream of cash to continue to make mortgages available to the consumer thus supporting a steady and continual cycle of growth.
With a sustained flood of mortgage money, there will be a growth in residential and commercial real estate. Most Sierra Leoneans are squeezed by a variety of pressures, especially low income individuals and those with uncertain access to secure land. Urbanization has been a contributing factor to poor housing with more than 60% of communities in metropolitan Freetown, for instance, living in informal housing. There is sufficient evidence, however, to suggest that communities are able to become sufficiently organized to drive settlement upgrading in partnership with government and the private sector.
Rough-and-Tumble of Sierra Leone’s Economic Politics
It is increasingly evident that the government has to work to stave off a sustained slump in Sierra Leone’s economy. The healing wounds of war are still being used by politicians to justify Sierra Leone’s rating in the Index of Economic Freedom which remains significantly below the world average in seven areas. The judicial system is riddled with corruption (as is virtually all of the civil service). The labor market is highly inflexible and Sierra Leone is one of the world’s least free. Liberalization of the trade regime is progressing, but import taxes and fees, non-transparent regulations, inefficient customs implementation, inadequate infrastructure, and corruption add to the cost of trade. Sierra Leone has relatively high tax rates. The budget deficit has been somewhat reduced, but better spending management is needed as reiterated by the president himself that “it is no secret that due to … poor management of national resources, Sierra Leone has lagged behind in the areas of social and economic development” (Sierra Leone Web).
Inflation is high, averaging 10.6 percent between 2004 and 2006. Unstable prices explain most of the monetary freedom score. Corruption is perceived as pervasive. Sierra Leone ranks 142nd out of 163 countries in Transparency International’s Corruption Perceptions Index for 2006. International companies cite corruption in all branches of government as an obstacle to investment. Official corruption is exacerbated by low civil service salaries and a lack of accountability. Inflexible employment regulations hinder overall productivity growth and employment opportunities. Sierra Leone’s labor freedom is among the world’s 20 lowest. (Source: 2008 Index of Economic Freedom).
The Koroma administration has a responsibility to clear up the clouds of economic gloom and despair which have gathered over Sierra Leone’s economy for decades. The administration has to propel the engines that could pull the nation out of her chronic gloom. Even though some fear the worst: that “the real GDP growth for Sierra Leone is forecast to slow from an estimated 6% in 2008 to 4.8% in 2009, as post-war recovery tails off and the global financial crisis reduces demand for Sierra Leone’s exports” (Economist Intelligence Unit) as reported by the Economist Intelligence Unit, a division of London’s Economist Group; all is not lost.
The pessimism may be overdone. Sierra Leone is still one of the most resourceful parts of the world in terms of natural abundance. Even though the country faces such daunting economic difficulties that do not seem to go away, Koroma only has to prove the pessimists who see the regime change as all mouth and no trousers—that much of it made up by old budget commitments, double-counting and empty promises—wrong. He has to prove that it was not mainly propaganda; and to convince Sierra Leone’s own people and the outside world that his government is serious about stimulating development and is ready to take radical steps to spend infrastructure money and providing a decent social safety net for Sierra Leoneans, especially in housing, education and health care.
Financial Sector and the Housing Market
Sierra Leone’s financial sector holds promise for reaching broader and deeper into the housing market. The vast majority of Sierra Leoneans evidently do not have access to asset-backed finance or mortgage finance, but low and moderate income households are beginning to participate broadly in the maturation of the microfinance industry. The (PRSF), initiated in 2002, is one indication of the commitment of the government, the Bank of Sierra Leone, and the donor community to support financial sector development. The PRGF project was undertaken primarily to support concessional lending practices and debt relief under the joint Heavily Indebted Poor Countries (HIPC) Initiative. The targets and policy conditions in a PRGF-supported program are drawn from the country’s PRSP. “Key policy measures and structural reforms aimed at poverty reduction and growth are identified and prioritized during the PRSP process” (IMF).
There is apparent need for improved housing conditions in Sierra Leone, especially for lower income Sierra Leoneans. There are potentials for the sector if the government could commission the Sierra Leone Housing Corporation and interested investors with substantial microfinance experience to assess trends in public and private sector delivery of affordable housing in the country and to make strategic recommendations for tangible, replicable and sustainable interventions that would enhance the amelioration of housing conditions for the majority of Sierra Leoneans. A technical assessment to broadly examine the trends, risks and opportunities to meet the critical challenge of affordable housing in Sierra Leone is critical at this point in time. The specific objectives for such an assessment is to:
· analyze the strategies, experience and roles (public and private) for the delivery of affordable housing in Sierra Leone;
· determine the main reasons for any constraints in the delivery of affordable housing solutions (including costs, appropriate construction approaches and materials, finance and land);
· understand the extent and the characteristics of the potential market for affordable housing in Sierra Leone; and
· recommend tangible strategies to the Government of Sierra Leone and other potential key players to meet current demand for affordable housing, focusing on the appropriate housing typologies, financing, and the legal and regulatory framework.
The government should be open-minded in terms of understanding of the optimal factors that comprise an “enabling environment” in which a vibrant and equitable housing sector may develop. A stable macro-economic and political environment in which low and moderate income people are able to create effective demand for housing finance and other inputs into the housing improvement process is a necessary condition for such an enabling environment. The right policies to ensure efficient and equitable land markets will promote a sense of security for all sectors of society and therefore spur household investment. Such supportive legal and regulatory frameworks will also promote broad community and private sector participation in housing development and upgrading processes.
The way out of the current economic woes of Sierra Leone is to have a macroeconomic policy designed to accelerate the process of growth and transformation of the economy under competitive conditions. A stable political environment has already been created with the successful democratic dispensation of 2007. In spite of some economic risks due to increases in oil prices, Sierra Leone possesses the potential for a stable macro-economic and socio-political environment under which an affordable housing sector could take off. The government only has to embark on a comprehensive macroeconomic stability strategy. The main thrust is to create wealth and reduce poverty as defined in the government’s PRSP, which was introduced to ensure the country benefited from debt cancellation. The PRSP supposed to be a demonstration of the government’s long-term commitment to reduce poverty and enhance economic and social growth in both rural and urban communities. Therefore, a developer-driven and household-led incremental housing or community-led settlement upgrading should be aligned with this strategy which seeks to protect the vulnerable segments of society. Improving public expenditure management and fiscal resources mobilization; and pursuing price and exchange rate stability are measures needing to be put in place by the government. The administration has to keep trends in the key economic parameters stable in order to grow the economy and to keep fiscal position in line with budget projections and revenue generation by the responsible agencies.
The bottom line is that the economy has to create jobs in order for people to afford a range of housing opportunities. Positively, Sierra Leone’s major exports of bauxite, diamond and gold enjoyed favorable prices in 2007 and 2008 which, together with inflows from both foreign donors and private remittances, have helped to improve the country’s import cover and reduced exchange rate volatility. The impact of remittances is equally phenomenal. Official private remittances are growing according to an International Monetary Fund (IMF) report on remittances (IMF). Even though, therefore, Sierra Leone’s financial system has been a shadow of itself for many decades and the depreciation of the Leone has been dramatic, the potentials for growth exist. There are possibilities of investment opportunities with predictable inflation, exchange and interest rates to impact the housing market in Sierra Leone.
Reducing inflation to single digits thus has to be one of the corner stones of the present government. For this to happen, Koroma and his government must seriously commit to creating a dynamic private sector to fuel economic growth and improve people’s living standards. This commitment should be expressed in terms of closer collaboration and partnership with the private sector and the privatization of many state-owned enterprises (including the Sierra Leone Housing Corporation (SALHOC), the Sierra Leone Airport Authority, the Sierra Leone Telecommunications Company (SLTC), the Sierra Leone State Lottery Company, the Guma Valley Water Company Limited, the National Power Authority, the Sierra Leone Ports Authority, Sierra Leone Postal Services, the Sierra Leone Commercial Bank (SLCB), the National Insurance Company (NIC), the Rokel Commercial Bank (RCB), and the Sierra Leone Road Transport Corporation (SLRTC). In line with this vision, the mandate of the Sierra Leone Investment and Export Promotion Agency (SLIEPA), which now replaces SLEDIC, in addition to providing a range of services that aim at assisting exporters to source market and penetrate overseas markets, should be expanded to facilitate the development and growth of a competitive and vibrant private sector and also to help reduce the cost of doing business in Sierra Leone.
The land ownership system in Sierra Leone which is governed by a complex operation of customary, statutory, and common law also needs to be given considerable attention. Corruption and land disputes, especially involving public lands in urbanizing areas, have been experienced by significant majorities. The lack of uniformity, complex codes, administrative requirements, and the dualism in land tenure is a risk to an effective housing finance market due to the uncertainties and litigation potential. What could be an interesting response to the current inefficient land management system is to manage a comprehensive land banking system for an efficiently coordinated property development program. It is not clear at this time what the relationship is or will be between the government’s inventory-taking exercise and the current land banking efforts. A significant development within such a program is the National Social Security and Insurance Trust (NASSIT) and its underlying interests in the country’s housing sector.
The National Social Security and Insurance Trust (NASSIT) is a quasi-public entity involved in the government’s inventory-taking exercise and the current land banking efforts. “It is a Statutory Public Trust set up by the National Social Security and Insurance Trust Act No. 5 of 2001 to administer Sierra Leone’s National Pension Scheme. The trust was established to provide retirement and other benefits to meet the contingency needs of workers and their dependants” (NASSIT). It is the sole legally authorized institution that manages a pension scheme for workers in Sierra Leone, in accordance with Act No. 5 of 2001, which requires Sierra Leonean employees of companies operating in Sierra Leone to be members of the scheme. In addition, to collection of contributions (30% of the insured’s average earnings for the first 15 years of coverage, plus 2% of the insured’s average earnings for each additional 12-month period) and administration of benefits. It also manages the assets of the scheme. These assets include real property of various forms, including the development of a housing stock of formal rental units in the country in a joint venture with the American firm ‘Regimanuel Gray Constructors’ which has a plan of investing over 50 Million US Dollars in the country’s housing market in five years.
Policy Recommendations
One is tempted to deliver a whole host of recommendations for improving affordable housing policy and processes in Sierra Leone. A policy that stimulates more innovative and more intensive use of land in or nearby urban centers or in built-up environments can help the housing market in Sierra Leone. The national housing market should be understood and analyzed according to various market segments to enable more people to benefit from housing investment, whether personal or institutional. A developer-driven housing conventional strategy for the supply of separate and semi-detached housing can be geared toward the formally employed professionals—a segment that could be served rather efficiently by the real estate development industry and the commercial banks, with mortgage finance. The majority of Sierra Leoneans are building, extending and improving their houses as circumstances and household resources warrant. Financing incremental housing may therefore be facilitated through forging a link with commercial banks.
The government should also facilitate informal settlement upgrading for areas like Kroo Bay, Bormeh, Susan’s Bay, and Government Wharf by the different groups that reside there with technical support from specialists in this field. Such a decision will release an enormous amount of good will. The ensuing results will be striking. The country needs a well managed settlement upgrading and “de-densification” or resettlement of families program.
Wholesale financing arrangement between mainstream commercial banks and other qualifying private institutions that will ensure sustained funding for the market segment of incremental housing is also strategic. Such an arrangement takes advantage of the proportional benefits of each level in the finance system as well as the strengths of government. Market-related interest rates that will be charged at both the wholesale and retail levels, and accompanied by sound financial and risk management, will permit the possibility of an enabling financial sector integration. The use of market-related interest rates will enable the wholesale operation to gear additional private savings from other private institutions and develop a sound secondary market. Likewise, more low-income households will have the opportunity to establish sound, transferable credit histories and become repeat borrowers.
Also, a privatized Sierra Leone Housing Corporation can be very instrumental in institutionalizing the modern mortgage system in Sierra Leone. The Sierra Leone Housing Corporation can be transformed to a leading home loan supplier in lending to underserved populations in Sierra Leone. If done well, the reengineered Corporation can be a darling of socially responsible investing with lending policies that should not be a barrier to home ownership in Sierra Leone.
The problem, however, of urban households lacking sustainable access to finance and appropriate financial arrangements to improve their housing and shelter-related environments cannot be ignored. Because many households are generally financially challenged, lending institutions must understand that this incipient market is high risk. Taking on greater risk may therefore require wholesale financial institutions to undertake sophisticated risk management practices and investment strategies to protect stock holders and end-user clients.
Kenday S. Kamara
http://www.articlesbase.com/home-business-articles/analysis-of-governance-issues-in-the-housing-market-in-sierra-leone-741529.html
