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32 minutes ago
“If you are a dreamer, come in. If you are a dreamer, a wisher, a liar, a hoper, a prayer, a magic-bean-buyer. If you're a pretender, come sit by my fire, for we have some flax-golden tales to spin. Come in! Come in!”
1) Although I am not a homosexual, I believe them to be no different from anyone else. I am not a "homophobe," and I support equal rights for everyone.
2) I generally take offense to derogatory remarks. And I'm not shy about letting the offending bigot know they're an idiot.
3) I majored in Professional Writing in college.
"This seems like a pretty good idea. Has anyone done it?"
Kiva - Loans that change lives
Make a loan to an entrepreneur across the globe for as little as $25. Kiva is the world's first online lending platform connecting online lenders to entrepreneurs across the globe.
"I just read up on it, and I'm not sure I get it. Basically, it sounds like you assume the real lender's risk with no reward other than feeling good about helping the less fortunate. Instead, I recommend digging a hole, throwing fistfuls of cash into it, and burying it. There is less risk (although I suppose you *could* forget where you bury it), and similar reward."
"Um...or maybe donate that rotting money to something? I think that "feeling good about helping the less fortunate" is the whole thing."
"I would argue there are better charities to give to than assuming lender risk, which is flat out financially incompetent."
"It's 25 bucks. That's not a lot of risk. If you give to any charity, you expect physical return on your "investment.". Seems to me, with this there is a shot the money comes back so you can help someone else. I've got no stake in the thing, least of all return on investment."
"As of September 2011, the average interest rate and fees charged by Kiva's Field Partners is about 37%."
"Kiva lenders allow microfinance institutions to access capital at 0% interest; this can help our Field Partners offset their operational expenses and keep their interest rates low."