Helping Others With Microfinance Loans

On a chance visit to The Weaver of Grass blog I read a post about charities and their methods of raising money. That brought to mind one of the ways I use any small amounts of money I may have spare to help others. A few years ago I found out about two sites which make loans to people in poorer countries which help them to improve their lives. The money may be for extra livestock, seed, stock for market stalls or small shops, repairs, etc.. The money is repaid to my account over a number of months and I can then re-use it to help more people. No interest is paid to me.

I think this is a novel way to help people help themselves, not just a handout but a way of helping them to improve their lot in life. How it works is you open an account with each / either organisation and transfer some money. After that you choose when to loan the money and which person / people to lend to. Once your received repayments pass the minimum amount needed for a microloan you can relend the money to someone else.

Which are these organisations?

The first is Kiva. This one works in dollars and microloans are made in multiples of $25. Each of my contributions is a part of the amount of money a person requests.





The other is LendWithCare which works in UK pounds and microloans are made in multiples of £15.






With both organisations their sites list the people who are requesting loans, a bit about their background, what they want the loan for and what they will do with what they purchase. I look through and pick which I will contribute to. Both suggest a small extra amount with each microloan to help with their expenses. This is voluntary and I can add as much or little as I wish. Both keep me informed and let me know when repayments are received. I get the occasional email from them but these are kept to a minimum.

There is always a risk that a borrower will not be able to fully repay a loan but my experience so far has shown this to be a very, very rare event. The organisations have agents in each country where they work and vet the prospective borrowers to minimise any risk.

What I like about this method of helping others -
I choose where my money is going.
I know what my money is being used for.
The money gets to be reused.
No unknown siphoning off any of my money to enhance the lifestyle of fatcat administrators.

Friday at the Flicks - Bees

A large flowering bush overhanging from next door has been attracting scores of honeybees and bumble bees.  This is the first time I have been able to see clearly how a bee uses the hooks at the end of its legs to hold on to a flower as it moves around.  Also the influx of tiny Pollen Beetles can be seen.



I have a feeling that the bee I found earlier in the week which I couldn't identify may have been a genetic aberration as I couldn't find any photos with anywhere near the same markings.

Have a great weekend observing the wildlife around you and if you live in the South East of the UK don't get too wet!

Playing With Serif Affinity Photo

I wanted to be able to abstract a subject from a cluttered background.

Started with:



and after an hour or more experimenting ended with:



I need to practice working with selections and layers as I seemed to spend ages going round in ever decreasing circles and back tracking through most of the things I had done.

A Few Real Cars

One of the attractions at the annual village show was a display of classic cars. I had expected maybe half a dozen but there was a whole line up of them. I love cars which look like cars, each with its own distinctive design. These days I find it very difficult to tell what make some cars are as so many look alike to me.

 


At some similar shows I have been to the owners have put up small signs with details about each car but I didn't spot anything like that so here are a few which caught my attention.

 

 

 

 

 

Nearby was an immaculate looking Harley:

 

A latecomer was a classic Ford with a few modifications. Not least of which were the large rear wheels and a 4+litre engine.







Finally there was an opportunity to enter a raffle to win a short ride in a rather snazzy looking Ferrari:



All the owners had obviously given their vehicles a lot of TLC to present them in showroom condition.

Mystery Fly

I regularly have to change the water in Penny's outside water dish as all sorts of bugs keep using it as their personal swimming pool. Most are too small to be a problem but some larger specimens need to be removed before Penny enjoys an unexpected extra added meat flavour to her water.

This evening this beauty was doing an imitation of a doggy paddle:

 

 

I don't remember having seen this type of fly before and its identification is evading me at the moment. Size is about the same as a hive honey bee, about 9mm long. Its large eyes, thick legs and colouring ought to make it easy to identify but Google isn't helping one little bit this evening, even when I uploaded a photo to help.


Addendum
I tweeted a photo to Africa Gómez at Hull Uni who writes Bug Blog. She suggests it is probably a honey bee. The give away being the enlarged rear femur where they carry pollen.

Monday Mystery - Guess What

Congratulations and the virtual Midmarsh Gold Star go to Adrian and Ragged Robin for correctly identifying a plant sprayer.



The virtual Midmarsh Silver Star to Wilma who thought it was an oil can. I used to have one which looked very much like the one in the photo.

   

Here is a close view of another everyday object.
Guess What:


Please leave any guesses in the comments.
They will be revealed, along with the answer, next Monday.
No prizes. Just for fun and possibly a virtual Midmarsh Gold or Silver Star.

The Aliens Have Landed

There are only three entries locally for the village Scarecrow competition.
Here are the other two:





There are a few more in the adjoining village. I hope they are still on view when I get round to hunting them out. Looking at the list of entries there seems to be two sections to the competition. Just a scarecrow and a scarecrow combined with the garden as a whole.

Today I had a wander round the village show which is held on the school playing field so there are a few blog entries to come from that over the next week.