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11 / The Lounge / Re: Anything Goes! (topic for stuff you just want to mention or point out) on: March 28, 2011, 01:03:24 PM
Here's to innovation!!!

Powering Rock Concerts With A Bicycle

12 / Kiva Countries / Re: News Stories of Possible Interest, or.. Is There Really A World Outside of Kiva? on: March 27, 2011, 10:39:38 AM
In following the Japan Earthquake,  I have found countless ways to help the people and I am already involved in that cause.  I have found only a couple for the animals (below).  Anyone know of others where the most of the money goes to direct relief efforts?

Of the above this one is from within Japan:

There are a multitude of victims when disaster hits.

Just looking for other ways to help,
13 / Kiva Countries / Re: News Stories of Possible Interest, or.. Is There Really A World Outside of Kiva? on: March 18, 2011, 10:46:46 AM
I attended a meeting yesterday to address how to assist the victims of the Japan earthquake. It is just in the planning stages and more meetings are planned.  It was empowering to be in a room of positive and giving people.  The spokesman had lived through the 1964 Alaska quake and wanted to give back.  I found out about a charity that had not been listed on newspaper sites that I have seen.  It is a very lean organization that channels most of its fund to their projects.  I reviewed the charities I listed, some such as the Salvation
Army could not be rated due to religious exemption (did not know that).  Of all those that I could research on Charity Navigator, Direct Relief International definitely rates top on how they run their organization, only 1% goes to administrative and fundraising expenses (maybe that is why it is not as well known).

Direct Relief International, link to rating:

Link to donate for Japan:

100% of the donation will go to Japan.

Link to the group I met with which is not raising funds now, but its mission is to provide information on how to assist the Japanese quake victims.

I was initially going to give to the Red Cross, but now I know where to direct my dollars.

14 / Kiva Countries / Re: News Stories of Possible Interest, or.. Is There Really A World Outside of Kiva? on: March 17, 2011, 10:43:27 AM
Here are a few additional articles, the aid to Japan has been slower than Haiti for various reasons despite being more catastrophic.  These articles site various reasons for the gap,  the suffering and damage is still there.

The local community here including various Japanese organizations are getting together today to discuss ways to help which I plan to attend (let's hope Naomi cooperates).  My daughter's Taiko group is planning a benefit performance. 
We will use a chunk of repayment money to send aid.  The crisis needs addressing even if it is not in the third world, the added radiation threat to Japan and the world makes this one worse.  The atmosphere and oceans, truly makes this global.

Link to a trajectory of the radiation plume:

Here are a list of organizations who are sending aid:

Bernice  Cry
15 / Kiva Countries / Re: News Stories of Possible Interest, or.. Is There Really A World Outside of Kiva? on: March 12, 2011, 09:43:11 PM
For those of you inclined to help the unfortunate people of Japan:

Bernice  Sad
16 / The Lounge / Re: Anything Goes! (topic for stuff you just want to mention or point out) on: February 22, 2011, 01:43:54 PM
This was sent to us from my Mother-in-law, a retired school teacher.

Remember when our great-grandparents stated that they or their parents only had an 8th grade education? Check this out. Could any of us have passed the 8th grade in 1895?

TeachersFirst's original purpose in publishing these questions was not to demonstrate that students were better educated 115+ years ago than they are today, but rather to show how different the scope of required knowledge appears to have been - measuring in bushels and rods, for example. What would we find if we were to look at equivalent tests from 1925, 1950, and 1975, that might document shifts in our priorities and vocabulary?

8th Grade Final Exam: Salina, KS -1895

Grammar (Time, one hour)

    1. Give nine rules for the use of Capital Letters.

    2. Name the Parts of Speech and define those that have no modifications.

    3. Define Verse, Stanza and Paragraph.

    4. What are the Principal Parts of a verb? Give Principal Parts of do, lie, lay and run.

    5. Define Case, Illustrate each Case.

    6. What is Punctuation? Give rules for principal marks of Punctuation.

    7 - 10. Write a composition of about 150 words and show therein that you understand the practical use of the rules of grammar.

Arithmetic (Time, 1.25 hours)

    1. Name and define the Fundamental Rules of Arithmetic.

    2. A wagon box is 2 ft. deep, 10 feet long, and 3 ft. wide. How many bushels of wheat will it hold?

    3. If a load of wheat weighs 3942 lbs., what is it worth at 50 cts./bushel, deducting 1050 lbs. for tare?

    4. District No. 33 has a valuation of $35,000. What is the necessary levy to carry on a school seven months at $50 per month, and have $104 for incidentals?

    5. Find cost of 6720 lbs. coal at $6.00 per ton.

    6. Find the interest of $512.60 for 8 months and 18 days at 7 percent.

    7. What is the cost of 40 boards 12 inches wide and 16 ft. long at $20 per metre?

    8. Find bank discount on $300 for 90 days (no grace) at 10 percent.

    9. What is the cost of a square farm at $15 per acre, the distance around which is 640 rods?

    10. Write a Bank Check, a Promissory Note, and a Receipt.

U.S. History (Time, 45 minutes)

    1. Give the epochs into which U.S. History is divided.

    2. Give an account of the discovery of America by Columbus.

    3. Relate the causes and results of the Revolutionary War.

    4. Show the territorial growth of the United States.

    5. Tell what you can of the history of Kansas.

    6. Describe three of the most prominent battles of the Rebellion.

    7. Who were the following: Morse, Whitney, Fulton, Bell, Lincoln, Penn, and Howe?

    8. Name events connected with the following dates: 1607 1620 1800 1849 1865


Orthography (Time, one hour)

    1. What is meant by the following: Alphabet, phonetic, orthography, etymology, syllabication?

    2. What are elementary sounds? How classified?

    3. What are the following, and give examples of each: Trigraph, subvocals, diphthong, cognate letters, linguals?

    4. Give four substitutes for caret 'u'.

    5. Give two rules for spelling words with final 'e'. Name two exceptions under each rule.

    6. Give two uses of silent letters in spelling. Illustrate each.

    7. Define the following prefixes and use in connection with a word: Bi, dis, mis, pre, semi, post, non, inter, mono, sup

    8. Mark diacritically and divide into syllables the following, and name the sign that indicates the sound: Card, ball, mercy, sir, odd, cell, rise, blood, fare, last.

    9. Use the following correctly in sentences, cite, site, sight, fane, fain, feign, vane, vain, vein, raze, raise, rays.

    10. Write 10 words frequently mispronounced and indicate pronunciation by use of diacritical marks and by syllabication.

Geography (Time, one hour)

    1. What is climate? Upon what does climate depend?

    2. How do you account for the extremes of climate in Kansas?

    3. Of what use are rivers? Of what use is the ocean?

    4. Describe the mountains of North America.

    5. Name and describe the following: Monrovia, Odessa, Denver, Manitoba, Hecla, Yukon, St. Helena, Juan Fernandez, Aspinwall and Orinoco.

    6. Name and locate the principal trade centers of the U.S.

    7. Name all the republics of Europe and give capital of each.

    8. Why is the Atlantic Coast colder than the Pacific in the same latitude?

    9. Describe the process by which the water of the ocean returns to the sources of rivers.

    10. Describe the movements of the earth. Give inclination of the earth.

  Scroll to the bottom of the following for a link to the answers.   Link

Bernice Smiley

17 / Kiva Listings & Loan Recipients / Re: Other Entrepreneur Photos; They're Beautiful Even When They're Not Smiling on: February 18, 2011, 12:55:06 PM
Victor Nkundwahona

When I looked at this photo, one can see the lines of a challenging life in Victor's face.  I also wondered if he got dressed in his best clothes to apply for this loan.

"Victor Nkundwahona is a 60-year-old father of six who has for the last decade been running a banana sales business in Katokomailo food market-Rukungiri.
He also sells crude alcohol and is also a teacher."

The things he has to do to provide for his family.

18 / Kiva Listings & Loan Recipients / Re: The Work of Kiva's Entrepreneurs; How Wondrous Is the Variety on: February 18, 2011, 12:27:54 PM
Samuel Kangethe Nditika

"He uses his bicycle to transport sodas over short distances."

19 / Press Coverage / Re: Kiva Partners With Visa To Expand Micro-Loans To U.S. Small Businesses on: February 18, 2011, 01:52:35 AM
For those of you interested in Bernard Mcgraw


I ran across the following links when I looked him up on Google to see if my friend in San Antonio could patronize his restaurant.

Bernice  Smiley
20 / Kiva - Loans That Change Lives / Re: Defaults on: February 03, 2011, 01:26:31 AM
I'm with you Laurie.  I am on that loan and this one.

Binetou Barro; Like the majority of our colleagues here, us plane have difficulties for wintry time to produce and market the products. D' access the difficulty in the big cities because of l' state of the roads and also of the renewal of tension in the zone because of the conflict of Casamance which we do meet to go to supply us? This insecurity also makes us fear to take the road to go to buy or go to refund our loans in the city nearest. We are afraid to make us attack by the rebels, who are spirit to prevail these times Ci in our trimmings. But we took again the payment since January, when there was lull in our zone.
Howard, you could probably translate better than the computer.

This one is delinquent but I have 2 others that defaulted.  I can accept the harshness of these peoples lives.  These do not bother me as one I made to a US loan that repayed just $74 of the $2000 borrowed.  This was the update posted.

Hi Kiva lenders,

Understandably, we have received some questions about Charles and the default process at Opportunity Fund, and appreciate your concern! We have a strong commitment to all our clients' privacy and so will not provide any specific information about his case, but we are happy to clarify our default policy in general.

Once a loan is delinquent, Opportunity Fund staff attempts to work with clients and provide the support necessary to get them back on track, which may include additional business counseling or a restructuring of their loan. Thanks to this support system, Opportunity Fund maintains a historical repayment rate of almost 90%. If staff are unsuccessful in all efforts to reach the client for three months and/or we determine that the customers are unable to make their payments due to a change in their business or personal financial situation, we consider the loan to have defaulted.

This is not much of an explanation in my books.

I still like the entrepreneurs of SEM  as well as the SEM philosophies so I would still make another loan to them despite the defaults.

Bernice  Smiley

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