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State pride, Knights of Columbus styleAug 4, 2015 - 03:05 pm .- The Knights of Columbus kicked off their 133rd annual supreme convention with the usual state-themed flair on Monday in Philadelphia.
At Lourdes shrine, 'wounded warriors' can pray for peace and healingMay 17, 2015 - 04:00 pm .- Military service members' annual pilgrimage to the Marian shrine of Lourdes can be a time of healing and peace, especially during the 70th anniversary of the end of World War II, the head of the U.S. Archdiocese for Military Services has said.
Six years after Notre Dame speech, Obama's 'common ground' claim questionedMay 1, 2015 - 05:23 pm .- Knights of Columbus head Carl Anderson questioned the Obama Administration's policies in a speech at Notre Dame University, six years after the president promised conscience protections and common ground on issues such as abortion.
Haitian amputees lace-up soccer cleats on Roman sports fieldJan 9, 2015 - 04:29 am .- Five years after the island of Haiti was devastated by a massive earthquake, three young amputees will have the opportunity to play soccer in Rome through the help of the Knights of Columbus.
Investing with Catholic values? Knights of Columbus group to offer guidanceDec 20, 2014 - 02:58 pm .- The Knights of Columbus fraternal organization aims to extend its Catholic values and financial expertise into a new subsidiary that will provide investment guidance to Catholic institutions.
Police and Knights of Columbus join forces to fight the coldDec 19, 2014 - 02:16 am .- The Knights of Columbus is joining forces with the New Haven Police Department in the Coats for Kids initiative to make winter a little warmer for children and families in need this year.
Knights donate $2 million to papal charities, Middle East reliefDec 13, 2014 - 09:13 am .- The Knights of Columbus have donated $1.6 million to the Pope's personal charities, and are giving an additional $400,000 to assist the Holy See's relief efforts in the Middle East.
Knights donate $2 million for Middle East refugee housingNov 20, 2014 - 04:41 pm .- The Knights of Columbus is putting more than $2 million toward new homes for Iraqi and Syrian refugees fleeing violence, and not a moment too soon, said Supreme Knight Carl Anderson.
Want to bolster families? Return to Gospel concepts of freedom, fidelityOct 31, 2014 - 02:04 am .- The Church must work to strengthen the family by helping couples practice Christian concepts of virtues if it wishes to "open wide the doors to Christ" in the vision of St. John Paul II, the head of the Knights of Columbus said on Wednesday.
Knights of Columbus' 'heroic' pro-life work wins Notre Dame prizeOct 6, 2014 - 11:56 am .- The Knights of Columbus and Supreme Knight Carl Anderson have been named the recipients of a University of Notre Dame institute's 2015 Evangelium Vitae medal in recognition of their pro-life efforts.
Knights' collection for persecuted Iraqis passes $2 millionSep 11, 2014 - 02:04 am .- A Knights of Columbus relief fund for persecuted Iraqi refugees has now surpassed $2 million, and the order has released a special prayer to add a spiritual dimension to the humanitarian response.
Knights co-launch film on hope among Haiti's young amputeesAug 29, 2014 - 12:02 am .- The Knights of Columbus partnered with Connecticut-based EVTV to produce a documentary on hope and healing of Haitian children injured in the catastrophic 2010 earthquake that rocked the country.
Knights partner with actor Gary Sinise to help veteransAug 22, 2014 - 02:02 am .- Actor Gary Sinise's respect and admiration for military men and women goes far beyond his role as Lieutenant Dan in the popular 1993 film, "Forrest Gump."
Knights of Columbus will match donations to aid persecuted IraqisAug 12, 2014 - 02:54 pm .- The Knights of Columbus have established a matching fund to assist Christians and other religious minorities facing severe persecution or displacement in Iraq and nearby countries.
Knights of Columbus set record for global charitable givingAug 7, 2014 - 12:03 pm .- The Knights of Columbus continued to set records for charitable giving and volunteer hours, making this the 14th consecutive year they've increased their contributions.
Trust God's love in difficult times, bishop counselsAug 6, 2014 - 12:12 pm .- A relationship with God is the most important thing to remember in difficult times, said Bishop John Noonan of Orlando at the opening Mass for the 132nd Knights of Columbus Supreme Convention.
Pope thanks Knights of Columbus for their service, charityAug 6, 2014 - 11:31 am .- In a message delivered to the Knights of Columbus' international convention, Pope Francis thanked the Catholic fraternal organization for their charitable activity, as well as for their defense of religious freedom.
Knights of Columbus pledge $1.4 million for Special OlympicsJul 15, 2014 - 02:10 am .- The Knights of Columbus have pledged $1.4 million for next year's Special Olympics World Games, helping to cover participating athletes' expenses for the Los Angeles event.
The story of Father McGivney, extraordinary priestJun 28, 2014 - 04:03 pm .- A new Italian edition of a book about the life of Father Michael McGivney tells the story of his extraordinary life as a parish priest, the inspiration that led him to found the Knights of Columbus, and the chronicle of his ongoing canonization process.
Knights of Columbus report record donations in 2013Jun 13, 2014 - 06:27 pm .- Catholic fraternal organization the Knights of Columbus set new records in donations and volunteer hours in 2013, continuing its long-standing service programs and responding to several natural disasters.
« Previous Page 2 of 5 Next »


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subset: commoncrawl


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Rep. Tom Rukavina of District 5 is the House author of legislation that if passed, would raise the minimum wage in Minnesota. Gov.
Health care is a hot topic these days at the capitol.
Kinshasha will be talking with Oz Garcia about his new book Redesigning 50 from 11:00am to 12:00pm Monday, May 12th.
KFAI invites you to our new showcase series "Roots Music Saturdays", the 2nd and 4th Saturdays of each month at the Acadia Cafe.
The Minnesota Minority Education Partnership:http://www.mmep.org/ has recently published its 2008 Academic Enrichment Guide.
This week's legislative update features Congressman Keith Ellison, who represents Minnesota's 5th Congressional District in Minneapolis.
A special guest rolled into town on April 30th to promote prescription drug access and spread awareness about the alarming rates of chronic disease in Minnesota.
Privacy Statement
© KFAI, 1808 Riverside Avenue, Minneapolis, MN 55454 Tel: 612-341-3144


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Brewer vetoed a bill Wednesday that would have allowed businesses to refuse service to gays, lesbians and others on religious grounds.
In an exclusive interview, I asked Gov. Otter about his reaction to Brewer's veto.
"That's her prerogative," The governor said. "I think she did the right thing."
But would Gov. Otter have done the same thing in her place -- if the now withdrawn religious freedom bill sponsored by Rep. Lynn Luker, (R) Boise, would have ended up on his desk?
"There are a lot of differences between Arizona and Idaho," Gov. Otter told me. "But I'm not going to comment because we've got other things in the works, in terms of lawsuits, about what I would or would not do."
Gov. Otter says he expects a lengthy legal fight over same-sex marriage around the country.
Idaho law recognizes only marriages between a man and a woman, and a 2006 voter-enacted constitutional amendment bans same-sex marriages.
Federal judges have voided all or part of voter-approved bans on same-sex marriage in Utah, Oklahoma and Kentucky. Appeals are pending.
Four couples in November filed a lawsuit challenging Idaho's same-sex marriage ban, arguing that the ban violates the U.S. Constitution's equal protection and due process guarantees.
Thursday, the Idaho Legislature's Joint Finance-Appropriations Committee (JFAC) approved the governor's request to add $1 million to the state's constitutional defense fund in anticipation of a legal challenge to Idaho's constitutional ban on same-sex marriage.
In the JFAC motion, the same-sex challenge was never specifically mentioned and Gov. Otter stopped short of saying the entire sum was to defend that singular challenge.
"We're prepared to defend our constitution on slick spot pepper grass, sage hen, and any other constitutional issue that comes before us," he said.
Including the ban on same sex marriage?
"Including the ban on same sex marriage."
Gov. Otter agreed it could be a costly legal struggle.
"It could be," he said. "But how much is our (state) constitution worth? I can't put a price on that."
In the back and forth battle over gay rights, Idaho is clearly on the front lines.


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New Orleans native Robert Pack has always been a hard worker. And as soon as he got back home early Friday morning, he started painting houses on the West Bank as a part of the NBA Cares program.
Pack got a chance to give back to where he spent his formative years in Algiers; he grew up in the Fischer Projects before moving to the Lower Ninth Ward. He'll head back there Saturday when the National Basketball Retired Players Association hosts a community celebration, youth summit and basketball clinic at Oliver Bush Playground.
"I spent many nights on that playground shooting late," Pack said. "It was a lot of battle going on, one-on-ones with guys when I just developing my game.
"I'm excited to be able to go back there and see the court redone where the kids can have an outlet."
The hard work Pack put in on the playground paid off. He graduated from Lawless in 1987 and spent two years at Tyler Junior College before finishing his college playing days at Southern Cal.
He went undrafted in the 1991 NBA Draft but signed with the Portland Trail Blazers as a free agent and made the team. The Blazers made the NBA Finals that season and dealt Pack in the offseason to Denver, where he helped the Nuggets become the first eighth seed to upset a No. 1 (Seattle SuperSonics) in the 1994 playoffs.
Despite dealing with injuries throughout his career, Pack was able to stick in the league for 13 seasons with seven teams, including the New Orleans Hornets' inaugural season in 2002-03.
Pack finished his career overseas but returned to the Hornets in 2009 as an assistant coach. He spent the next three seasons with the Los Angeles Clippers before moving to the Oklahoma City Thunder to start the 2013 season.
Now he finds himself back in his hometown -- as the assistant coach of the Western Conference All-Star team alongside head coach Scott Brooks.
"This is very exciting to be able to be in my second career and getting my first opportunity to coach in an All-Star Game at home where it all started for me," said Pack, a pass participant in the dunk contest during All-Star Weekend.
Pack said he's enjoyed being part of Brooks' staff in Oklahoma City, helping guide the Thunder to the league's best record in the NBA at 43-12, and is not thinking about opportunities beyond that.
"I have to go through the process, and right now I'm enjoying the process," Pack said. "I'm not in a hurry to jump it. I think my career is going at the right pace. I will embrace the opportunity whenever it does come to take over a team and become a head coach.
"I'm working with an amazing coach right now with Scott Brooks and our staff. I'm on a great young team that is giving me more experience, which is going to help me more when the chance does come."
Andrew Lopez can be reached at email@example.com or 504.826.3405.NOLA.com prep sports coverage on Facebook


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katt williams
Katt Williams: The New Spokesman For SK Energy Shots (Video)
Well, I guess him doing commercials for Curtis' drink is better (and obviously more financially sound) than him (allegedly) taking shots at other comedians on the Twitter.
Random Acts Of Fu*kery: Pit Fighter Edition
Spotted: Miss Dimplez There's so many things off with this clip: * Katt Williams. Fighting. Those two things shouldn't even belong in the same sentence. * Young Jeezy unknowingly performing the soundtrack to the fight, as his back was turned to it and was oblivious to the madness. * That guy with the white tee
Who Wants A Katt Williams Pack & An iPod Touch?
I know you yentas are gonna want this... The dopehouse is giving away a Katt Williams "Katt Pack" to two separate winners. Sounds good, right? What's even better: one winner will walk away with the grand prize, which includes Katt's entire stand-up specials on DVD (including his latest, 9 Lives) and an iPod Touch. What


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15678 Players currently online!
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Thanks Justin
very nice man :)
A Little Error, this is the one you will be looking for below. (This is ACF rated) On Tueseday, I played a game against Tom Accola (970) and my rating is (850) but is playing of a performance rating of 1250-1350, becuase I played in a few bodgey tournaments (The people who are rated) and now I am back on track!! This was the critical position in the game. Black had just played 14... Qc7, what is the big weakness of that move.
This shouldn't be too tricky and you might want to check the movelist so that you can see a variation that could've been played
Ruy Lopez:
3... a6
3... Nf6 (Berlin)
Sicilian Kan
https://www.chess.com/blog/aussiedj/im-moulthun-lys-brilliant-performance-in-gibraltar-part-1-all-levels (All Levels)
https://www.chess.com/blog/aussiedj/im-moulthun-lys-brilliant-performance-in-gibraltar-part-3-all-levels (All Levels)
French Defence:
https://www.chess.com/blog/aussiedj/2-qe2-french-explained-advanced-class (Advanced)
https://www.chess.com/blog/aussiedj/my-best-standard-win-1821 (Intermediate)
https://www.chess.com/blog/aussiedj/new-trap-down-under-bbq-disco-opening-trap (Beginner)
https://www.chess.com/forum/view/chess-openings/the-french-defence (Beginner)
https://www.chess.com/blog/aussiedj/the-richard-report-1 (All Levels)
The Reti:
English Opening:
https://www.chess.com/blog/aussiedj/intensity-in-round-1-australian-open (All Levels)
Ponziani Opening
https://www.chess.com/blog/aussiedj/my-best-standard-draw-2105 (Intermediate)
Dutch Defence:
https://www.chess.com/blog/aussiedj/grade-matches-u1500-sydney-norths-vs-rydeeastwood-board-4 (Beginner)
Grand Prix Attack
https://www.chess.com/blog/aussiedj/my-best-game-played-against-a-2385-acf (Intermediate)
All Levels:
5 big surprises in Rekjavik Round 3
by aussiedj 8 months ago
IM Moulthun Ly's brilliant performance in Gibraltar Part 3 (All Levels)
IM Moulthun Ly's brilliant performance in Gibraltar Part 2 (All Levels)
Nakamura wins big in Gibraltar
by aussiedj 9 months ago
The Richard Report #1
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These video players come highly recommended, they look sweet and have plenty of features, and not only are they easy to customize, they also come with the source code so you can learn how they have been made.
First Video Player | Second Video Player | Third Video Player
On Windows if you double-click on a video file it will open in whatever video player you have installed. However, most common video players dont support Flash Video format (FLV's). So, double clicking on a Flash Video file generally does nothing.
Wouldn't it be great if when you try to open a Flash Video it opens up in a Video Player so you can watch it?
Well, now you can. Ive created a little tool that solves the problem and im giving it away to anybody and everybody.
[update] Ive stopped giving away this application now, i released it over 2.5 years ago, and since then Windows Vista was released, plus a new FLV format and so on. I do not have the time to keep adding new features or fixing bugs. You can however download the new Adobe Media Player from here. This will play FLV files from your local machine. [/update]


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Dan WoodhouseShared publicly -
It seems legit, all you have to do is upload a selfie and you can win £20 a day in the daily draw!
Use my invite to join The Selfie Lottery. If any of your friends win, you win too! Just upload a selfie!
Add a comment...


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Cannon Park Community Market
Cannon Park Community Market is a producer-only market that features many of the Southern Illinois region's farmers, growers, and artisans. Wednesdays from 3-7pm at the Carterville Community Center in Cannon Park, the market provides the Tri-C area with fresh local foods, artisan crafts, and family-friendly activities.
Location & Nearby Attractions
What's Nearby


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Kester School of Dance opened in 1964
WEIRTON – In the fall of 1964, Virginia and Clarence Kester opened the Kester School of Dance in Weirton, and 50 years later Peggy Zablackas continues to keep with the rhythm of her family's business.
"They opened it for their daughter, Cindy, and the marching corps was called the 'cinettes' after her," she said.
Virginia died in 1988, and Cindy took over the family business with her husband, Richard Irwin. She died in 2003, and Irwin handed the studio to Zablackas in July 2007.
Zablackas danced on her own in the few years leading up to her enrollment at the school, but under the Kesters' influence she became focused on marching corps and baton twirling.
"We would go to National Baton Twirling Association competitions across the Northeast, which would usually end with the American Youth On Parade competition at the University of Notre Dame. Some of the dancers and twirlers even performed on cruise ships and islands like Puerto Rico, Bermuda and St. Thomas through a cultural exchange program," she said.
Zablackas said twirling was hugely popular when she was in school.
"There weren't as many sports for girls to be involved in at that time. Like many girls my age, it was pretty much my life through middle and high school, Monday through Thursday and every Saturday," she recalled.
On June 8, the school held a recital for alumni to return and perform at their old stomping grounds again. More than 20 dancers arrived from as far as six hours away.
"We're like a big family here. We have kids dancing now whose mothers used to dance here. Multiple generations have come and gone, and all of the instructors grew up learning here," Zablackas said.
Both of her daughters, Erica Zablackas-Berg and Jennifer Zablackas-Lester, grew up learning dance there as well. Zablackas-Lester is now a veterinarian. Zablackas-Berg became a teacher at Weir Middle School, but she still finds the time to instruct at the dance school, too.
"I love it. I kind of feel lost if I'm not at the dance studio," she said. "My husband, Bill, helps out and puts up with a lot."
About 100 to 150 students, children and adults, are enrolled at the studio, although they're taking a summer break this year. Registration will begin again in late August or early September.
"We try to teach children not only good dance techniques but also to respect others. They learn how to entertain while we build up their self confidence," Zablackas said. "Our students are exposed to instructors that have taught worldwide."
The Kester School of Dance offers classes in ballet, tap, jazz, acrobat and baton. They also have "Tiny Tot" classes for 2-to-4-year-olds. Dancers participate in local parades, such as the upcoming Fourth of July Parade in Weirton.
For information, visit the Kester School of Dance on Facebook or call (304)748-0770.


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Faceless guitar pro by RED, added: June 17th, 2011
Profile History
or get $10 off Welcome BonusGet welcome bonus
I got tired of not seeing a guitar pro for faceless, so I made one! I believe it to be right on everything except some of the strumming patterns, that was i lil tougher to nail.
Check out this video for further detail:
I play the chorus like I hear it in the song, and with me it sounds like:
Too lazy to type out all of the strumming here, but I believe these are the power chords played :)


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Posted by LiveForLiverpool 31 days ago
Liverpool have "asked" Athletic Bilbao about the availability of their forward Inaki Williams, according to Don Balon. The Spanish magazine believes the Reds may make a move for the 22 yea... [Read More]
Posted by EmpireOfTheKop 123 days ago
Sky Sports' La Liga expert Guillem Balague believes Daniel Sturridge would be good enough to play for Spain's international side, claiming that he or Danny Welbeck could replace Nolito in ... [Read More]
Posted by SoccerSweep 139 days ago
Euro 2016 promises to create some new football stars, while others are set to enhance their reputation at the tournament. SoccerSweep has picked who to watch out for on each of the 24 teams competing.... [Read More]
Posted by liverpooladmin 203 days ago
Liverpool are stepping up their attempts to sign Malaga midfielder Ignacio Camacho, according to the Mirror The paper believes that the Reds are prepared to meet the 25 year old's £10million buy... [Read More]
Posted by Goal 352 days ago
Roy Hodgson's selection has been reduced to 22 players following the withdrawal of the Liverpool midfielder, who is struggling with a hamstring problem [Read More]
Posted by Goal 412 days ago
The Dutchman denied his troops were unhappy with his rigorous training regimen, insisting that they had simply been affected by their team-mate's situation [Read More]
Manchester United Build-Up: Van Gaal Takes the Blame, Rooney Got Sprung and De Gea Calms Things Down
Posted by PaisleyGates 413 days ago
Considering their indifferent starts to the season, neither Liverpool or Manchester United will be able to afford a slip-up when the two bitter rivals meet at Old Trafford on Saturday. The Reds are co... [Read More]
- Tags:
- Match Build Up
- Premier League
- Brendan Rodgers
- David De Gea
- David De Gea on getting back into the United team
- David De Gea on playing for Spain
- liverpool fc
- liverpool vs manchester united
- Liverpool vs Manchester United Match Buildup
- Liverpool vs Manchester United Premier League
- Louis van Gaal
- Louis van Gaal concedes title challenge
- Louis van Gaal on beating Liverpool
- Louis van Gaal on Swansea City loss
- Swansea City
- Wayne Rooney
- Wayne Rooney on breaking England scoring record
- Wayne Rooney on preparing for Liverpool
- West Ham United
Posted by Goal 427 days ago
The group stage of the tournament will see some heavyweight clashes, including Tottenham vs Monaco and and Ajax vs Fenerbahce [Read More]
Posted by Goal 463 days ago
The Spaniard was in charge at Anfield when the now-Manchester City man first joined the Reds from QPR but never got a chance to spent a great deal of time on his development [Read More]
Posted by Goal 472 days ago
The former defender is to be installed as the club's sporting director if Joan Laporta wins the election and he stressed that the winger must remain at Camp Nou [Read More]


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Serinda Swan is coming to The CW. Or coming back, really.
The actress, who has twice appeared on Smallville in the role of Zatanna, will guest star on the fourth episode of Supernatural this season.
As first reported by Fancast, Sawn will portray a news reporter who tracks an unsettling series of suicides. Look for her character to end up working with the Winchester brothers.
Supernatural premieres its sixth season on a new night: tomorrow at 9 p.m.
Matt Richenthal is the Editor in Chief of TV Fanatic. Follow him on Twitter and on Google+.


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3 posts tagged with Hollywood by Faint of Butt.
Displaying 1 through 3 of 3.
Before Blazing Saddles, America had not come to terms with the fart.
In 1975, Mel Brooks was riding high on the back-to-back successes of Blazing Saddles and Young Frankenstein, and he became the first person to be interviewed twice by Playboy Magazine.
The lovers, the dreamers, and Bruce.
In 1978, "Bruce Wayne" (probably not his real name) worked as a set dresser on The Muppet Movie. Here are some photos he took on the set. (via Muppet Central)
Who Delayed Roger Rabbit? Rich Drees lays bare the backroom bickering and production studio drama behind one of the 1980s' most successful comedies. For an encore, Drees reviews the unproduced script of Roger Rabbit II: Toon Platoon. Weep for what might have been.
Page: 1


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Web clipping(v.) Extracting static information from a Web site in order to display the data on a Web-enabled PDA. The idea behind Web clipping is to conserve the PDA's resources by extracting once any static data, such as graphics, logos, photos or even unnecessary text and storing that data on the PDA. The PDA will then make a wireless connection to a Web server in order to retrieve any dynamic content. Web clipping is a technology pioneered by Palm for its Palm VII handheld device.
(n.) An excerpt of data taken from a Web server.
Stay up to date on the latest developments in Internet terminology with a free weekly newsletter from Webopedia. Join to subscribe now.
Webopedia's student apps roundup will help you to better organize your class schedule and stay on top of assignments and homework. Read More »List of Free Shorten URL Services
A URL shortener is a way to make a long Web address shorter. Try this list of free services. Read More »Top 10 Tech Terms of 2015
The most popular Webopedia definitions of 2015. Read More »
Java is a high-level programming language. This guide describes the basics of Java, providing an overview of syntax, variables, data types and... Read More »Java Basics, Part 2
This second Study Guide describes the basics of Java, providing an overview of operators, modifiers and control Structures. Read More »The 7 Layers of the OSI Model
The Open System Interconnection (OSI) model defines a networking framework to implement protocols in seven layers. Use this handy guide to compare... Read More »


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Infographic Sundays – The 14 Sweet Facts About Sugar Edition
This post may contain affiliate links. It does not cost you anything and helps maintain the free information on this site, as well as answer the questions of "what brand do you use?" Please know I never personally recommend any product or service I wouldn't use on my own family. I think we all know […]Read More


text:
realmagick.com The shrine of knowledge.
- Rights activist reports on Ukraine's Jews
- For eight days they met with government leaders and members of Jewish and non-Jewish non-governmental organizations as well as with Jews in Dnipropetrovsk, Chernovitz, Lviv, and Vyzhnytsia. What has helped overcome decades if not centuries of ...
- Rabbi Moshe Hager, a Hasidic Leader, Dies at 95
- The group's roots go back at least to the first half of the 19th century, to the village of Vyzhnytsia in what is today western Ukraine. The mother of Elie Wiesel, the Nobel Peace Prize winner, had a Viznitz background.
- Steeped in tradition, these amazing images show an ultra-Orthodox Jewish
- With a floor-to-ceiling veil separating men from women, hundreds of well-wishers dressed all in black and wearing traditional shtreimel hats in Petah Tikva, six miles east of Tel Aviv. The room was packed for the wedding between Nechama Paarel Horowitz ...
Vyzhnytsia is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Vyzhnytsia books and related discussion.
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text:
Taşra Ev Sundurmaları
We're working on getting back out to the country... the girls are beyond excited, especially Alli :)
AMAZING porch makeover! You need to see the before and the other pictures :)
Tracy Lawrence's Paint me a Birmingham.... Make it look just the way I planned A little house on the edge of town Porch goin� all the way around Put her there in the front yard swing Cotton dress make it, early spring.. luv that song and this porch makes me think of it.
I want this one day. A huge wrap around porch with a beautiful view.
Country Front Porch Wood porch floors made of pressure treated lumber are excellent for a country house since they are easy to maintain. No mud stains from friendly pets will remain as in the case of a concrete porch floor. Rough 6x6 inch posts are used with steps sawn from a large log. An old wicker couch is made into a porch swing.
Country farmhouse porch - Unfortunately I can't find the source for this one, but I couldn't resist the gorgeous braided rug and vintage fabric covered pillows.
Love the colors on this
I would love to hang out on this porch.
Put the lattice behind the post Country Porch | Country Porch- | Outdoors
Window box, remove the class plant clematis or ivy to climb for color and privacy, hang on the porch.


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Unanswered Prayers and the Dialectic of Disappointment with God
July 17, 2012
Everyone has experienced disappointment because of "unanswered" prayers. Think of a loved one who has suffered, a family member who falls from the faith, a dream that has fallen by the wayside. Trust in God is shattered when God fails to deliver on important prayers. So much hinges on whether or not God really does answer prayer that it's devastating when God doesn't respond the way we want him to, especially when those prayers are for things we believe are good – things that God ought to want to do.
Does God really always answer our prayers? That's what is taught in Sunday school anyway, but it doesn't always feel like it. As we grow older, we realize that things don't always work out the way we had hoped. This shouldn't cause us to give up on prayer, or worse, give up on God. The truth is that God always answers prayer, but in order to see how, we must have an open mind and an open heart.
There are two ways "unanswered" prayers can turn out – one is coherently, and the other is mysteriously. There are times when God doesn't answer a prayer the way we want and we will never know why. Something terrible is about to happen and we pray against it, but it happens anyway, and there is no possible human way to reconcile why God might have allowed it to happen. This does happen. But experience tells me that this is rare, and usually our disappointment or disillusionment is the beginning of something more.
What we must be willing to consider is that we have a tendency to miss out on the ways God is answering our prayers. If we allow disappointment with God to lead us to the conclusion that God doesn't care, or that God doesn't answer our prayers, we miss a tremendous growth opportunity as well as an opportunity to see God move in response to our prayers. There are numerous ways this can work out, but consider just a couple possibilities.
First, God could be saying, "Yes, but wait." In many instances, God is answering our prayer, just not at the speed that we may want. God has his reasons and his timing, and sometimes it is for our benefit that he makes us wait. Imagine what our relationship with God would look like if prayer took no effort and God simply gave us whatever we asked for whenever we asked for it. God is no genie in a bottle. If he allowed us to treat him that way, we'd lose our respect for him. Only newborn babies can get whatever they want whenever they want it.
Think of a time God answered a prayer such that the timing worked towards your advantage?
Sometimes, God is saying, "Yes, but not like that." We can never be too careful about putting parameters on God for how God will work and answer our prayers. It's not up to us to determine how God will fulfill our prayers. God has his way of doing things, and we hurt only ourselves if we insist upon God doing something a certain way. When God does indeed answer our prayer, we continue in our disappointment because our eyes are not open to his way of doing things. If we are open minded about how God answers our prayers, we will be delighted to see that God oftentimes does answer prayers we thought had been unanswered.
To be realistic, sometimes, God also says, "no." But, God's "no" is always, "I have something better in mind." It's important to remember, that a "no" is not the same as an unanswered prayer. An unanswered prayer would be one in which you got no response. Think of "no's" as good. Be thankful you got a response. But also remember, part of the whole reason we pray is to discern God's will. A "no" shouldn't be taken as God not caring, or God ignoring you. A "no" means that God has something else in mind, and God is always going to do what's in your best interest. We must learn to trust that and use even the hard experiences of "no" to guide us more fully into the life that God has for us.
Think of a time God said "no." What larger greater purpose might God have had in mind when he answered your prayer in the negative?
Remember that God wants us to lift up prayers for all things. It is inevitable that we will pray prayers that leave us feeling disappointed, but remembering that God is a loving Father who wants to give good things to his children, we must never allow disappointment with God to lead to unbelief or giving up on prayer, but must allow this suffering to make us stronger and ever more reliant on his grace and love. The ultimate goal of prayer is not that we get everything we want, but that we grow to realize more and more that our life, our joy, our satisfaction, our essence, is found in our relationship with God. Even in disappointment, God is teaching us how to pray and what to become.
August 27, 2016 8:05 AM
You asked every questiom that I have been asking. My husband also abandoned and divorced me. I live in a no-fault state so he divorced me without my consent, left all belongings in our home, amd from the day he left I never heard from him again. It's been just over three years.
If our spouses were repentant, then yes, they would leave their sinful lives and return to us amd God. They would become faithful leaders in our homes. If they continue on with this life it will lead them right to hell.
I believed in God for restoration and even believed He would in fact restore this marriage.I thought God told me He would. But of course, we have to learn many hard lessons. Sure, God might still do it but realistically, I havent seen or heard from my spouse in over three years. He created a new life and has been blessed abundantly. The likelyhood of him giving him up everything to return to a wife with little to offer and whom he clearly has never missed? I doubt that happens.
I have seen marriages restored but not with abandonment. Ive never seen or heard about a restoration where the spouse has never to do with the other. I thought this would be a time for God to shine but I have to be realistic too. I cannot tell you the disapointment I feel in God and my spouse. I have learned that you can spend a lifetime being unsure if God has said "no" or "wait." There arent always answers from God and sometimes it hurts us more than it benefits us when we go through trials. Its not fair, its not comforting, and it doesnt fit all the typical Christian cliches like "Hell never give you more than you can handle. God just wants you to be happy, Youll come out of this stronger, God did this so you can find someone better...." I wish the Church would be more truthful so were not terribly let down.
Helen schirmer
July 08, 2016 11:30 AM
After my husband of nearly 35 years abandoned and divorced me almost 3 years ago, I have prayed for a new relationship. i wanted human love again as well as affectation, attention, and intimacy. I desire the verysame things that married women want. But, instead I continue to feel like the wives "put away" in the OT to make way for a new women. I do not understand while God started allowing divorce in the OT for husbands benefit. All women were considered property to be disposed of at their sexual whims, This allowed men to do it without hesitation or guilt. It still continues more and more. We are told that allowing or letting this happen is from God. That his control being displayed. Well, we certainly cannot work against God or men and hope for any triumph. Is God directly involved in couples coming together? Is so, how would we become aware of it or are we unable to be aware? Does man's free will choices become God's sovereign will? We are taught God does not override free will. Also, does God give p blessings to marriages that resulted from adulterous affairs? How could a person be repentent and demonstrate repentance if they were staying in the marriage? I thought this required agreeing with God and going away from the sin? What would meaningful repentance look like in an ex husband and father?
March 20, 2016 4:58 AM
I found this website moments ago, I'm hurting too, my many years of disappointment with God are starting to show up once again. I cannot explain, nor do I wish to, but I'm tired of the false hope. Listening to people who are ill-equipped and talk off the top of their heads or who just outright blame the person for the bad things that happen. When it comes to matters of your heart, your children etc, don't talk to the person about foolishness. Ignorance and compassionless garbage, you add to the pain and the confusion, you further exacerbate a place of frustration into a place of anger with God and perhaps a person falling away completely. Belinda and Lyn, I read your post and my heart is broken for you, I lost my brother whom I miss so very much and I've been fighting for years to get my son to this country. There are no words my dear sisters in Christ, your pain and your suffering I have no words but I from my heart feel your pain. I say to people consider my shoes, how far in that mile have you walked? And many will tell you they have not, but they are quick to spout scripture and talk nonsense. I know your hearts have been broken, I know that the depth of your disappointment with God is at times immeasurable. I can only stand with you in Love and say I've walked some of the mile in your shoes and I know from my heart to yours it hurts like hell and you are confused and you too are demanding answers. All I can honestly say dear hearts, is go and yell and cry and do whatever you have to with God, don't be afraid of him and tell him your true heart. I'm going to again today. And you let him exactly how you feel. He'll come had this time he will resolve it. Much Love, Many roads of peace and blessing.
Allen B
December 21, 2015 1:06 AM
I am 70 yrs old and I too have known suffering. Paul said to live is Christ and to die is gain. What do we learn while walking in this life? Suffering, joy, love, hate etc. Jesus saw/experienced it all and suffered greatly. He was tested and not found wanting. Has all this been a test to prepare us for a greater life? Have I lived life to its fullest? Have I achieved conformity to Christ? I don't know! I do know I want to know God and I find that all I have ever done or experienced in the flesh is worth nothing. The short time on this earth cannot be compared to life with Christ for all eternity! I agree, suffering I do not want or ask for, but I know it will end someday thanks to my saviour who will come again for me and you!
L Bryant
April 20, 2015 10:43 PM
@Belinda and lyn
First off, I am truly sorry for what both of you are going through and I can't imagine the pain that you must feel and the struggle that you have been through! But I urge you to not give up on God! His thoughts are higher than our thoughts and His ways are higher than our ways. He has a reason for everything whether we understand it or not. I would encourage you to read the book of Job if you haven't already. Also, Paul encourages us in Phillipians 2:5-11 to have the same attitude as Christ. He was God, but humbled Himself into the form of a man and came to serve. Imagine that! The God that created everything became a human being just like you and me! He experienced birth as a baby (Matt 1-2, Luke 1) , life as a man, hunger (Matt 4), temptation (Matt 4), grief (John 11:35 "Jesus wept."), suffering (Isaiah 53:5) , and ultimately an extremely brutal death in addition to God totally abandoning Him for 3 days! He understands what you have been through because He's been through something just like it! And the best part is that He did it because He loved you so much that He wants you to live in Heaven with Him forever! Matthew 11:28 says, "Come to me, all who labor and are heavy laden, and I will give you rest." He cares for you more than you may think.
December 10, 2014 8:27 AM
How did God use my miscarriage for "my good"? How could allowing my baby to die and letting me pray for a healthy pregnancy when the baby in my womb was already dead be "in my best interest"?
I'm not trying to be facetious here ... I'm really struggling to process this. If Jesus came to
give us life, and life in abundance, why did He allow me to even fall pregnant, after 6 years of infertility, if this was His plan?
give us life, and life in abundance, why did He allow me to even fall pregnant, after 6 years of infertility, if this was His plan?
April 05, 2014 8:20 PM
@lyn if i were you, I'll cried out to God day and night! Until He answers my call!
I had gone through some terrible things in life. Betrayal, affairs, my dad had had cancer for three times and the death of my sister's son.
You may not understand now but I pray that God will give you strength and grace to endure.
Taking care of six kids is tough and even tougher now that you had cancer. Do you have anyone helping you?
Is your church helping you? If they don't help you with anything you may want to look for a new one who us truly caring and God fearing.
August 20, 2013 10:42 AM
I hate hearing "God has someting else in mind, and God is always going to do what's in your best interest" or anything like that.
I asked God to heal my brother, and now he is dead. Tell me how that works out for anyone's betterment. I asked not for myself, but for him, having had a very aloof relationship with him. After our mother died, I had hoped that my brother would learn to find his way in life. Instead he's dead.
I've asked God for family - a heartfelt desire he created me with, and the answer was "no" - God put us 2,500 miles away from family nearly 40 years ago. My kids have all moved away.
My husband's dad died of cancer 40 years ago - leaving his widow in poverty with six kids to raise. And still she was faithful.
I continue to try to be faithful, but I'm tired and in despair. I'm nearing the end of my life, when it will be too late to have those prayers answered.
So my point is, sometimes God just doesn't answer prayer. And He does not treat His children fairly - blessing some and cursing others. And to teach otherwise defies reality.
James Kim
July 18, 2012 5:41 PM
Yes, that's why we should keepy praying!
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Help Center
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Kiva U.S.
How do I get a loan?
Kiva is not a bank or a microfinance institution, which means that we do not receive or review applications for loans. We do know that looking for the right loan can be a challenging process so here are a few options that you might consider:
Entrepreneurs in the U.S. --
Kiva supports entrepreneurs in the U.S. with interest-free loans for their businesses. These loans are crowdfunded by lenders all over the world and are paid back over the course of a couple of months to a few years. Kiva U.S. loans can be as large as $10,000.
Rather than assessing credit history and financial statements, Kiva U.S. relies on your trust networks as a measure of creditworthiness. For that reason, applicants are required to secure a trustee or their initial lenders from within their own network prior to fundraising on the Kiva website. To learn more and consider applying for a loan, please visit: borrow.kiva.org
If you have further questions about applying for a loan through the Kiva U.S. program, please email: email@example.com
Borrowers in countries around the globe --
Kiva partners with Field Partners in many countries around the world, who may be able to make a loan to you. Loans from these partners vary in interest rates, loan amounts and requirements. If you are located outside of the U.S. and would like to apply for a loan through a Kiva Field Partner please contact the Field Partner working in your local area directly. A list of Kiva's Field Partners and their contact information can be found on their partner pages: kiva.org/about/where-kiva-works
If you cannot find a Field Partner near you, please try the Mix Market, which is a great website that collects data on microfinance institutions around the world. Please refer to their website: mixmarket.org
Please note: Mix Market is an information service and does not provide funding. Also note that Kiva does not participate or have a say in which businesses are selected by our Field Partners. Contact each Field Partner directly for more information on loan requirements and underwriting guidelines.
How do I lend the credit in my account?
To lend your Kiva credit, please follow these steps:
1. Go to kiva.org/login and sign into your Kiva account.
2. Click "Lend" and find a borrower you'd like to support. When you do, click "Lend $25" to add that loan to your basket.
3. Add additional loans to your basket or click "Basket" to begin the checkout process.
4. On the basket page you'll see your loans, and will also be asked to make an optional donation to Kiva's operating expenses. You can edit this suggested donation by clicking the "Edit" link next to the donation amount and selecting the amount you wish to donate ($0.00 is an option).
5. If your basket looks good, click "Continue" and you'll be taken to the "Review & Pay" page where you'll see your available Kiva credit automatically deducted from your total. Review your transaction and click "Complete order."
If your total exceeds the amount of credit in your account, the amount of your credit will be deducted from your total, and you will be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or a PayPal account.
Upon completion of your purchase you will be directed to a "Thank You" page on Kiva's website. You will also receive a receipt confirming your successful loan purchase.
How do I use a Kiva Card?
To use your Kiva Card, start by going to kiva.org/redeem
On this page you'll see a box where you can enter in the Kiva Card gift code and click "Apply."
Once you've entered in your gift code, click the blue "Get Started, Find a Loan" button to be directed to all the loans that are currently fundraising. Find a loan that interests you and when you do, add that loan to your basket by clicking the blue "Lend $25" button.
When you've added all your loans to your basket, click "Basket" at the top of the screen. This will direct you through the checkout process, where you review your order and make sure that everything looks okay. You'll also be given the opportunity to make a donation to Kiva's operating expenses if you want. If your basket looks correct, click "Continue" to proceed through the checkout process.
You will then be prompted to sign into your Kiva account or register if you don't have one. Once you sign in, you'll be taken to the last step of the checkout process (the "Review & Pay" screen). On this page you can review your order one more time and then click "Complete order" or "Pay Now" to complete your purchase.
Please note, if your total exceeds the amount of your Kiva Card, the amount of your gift will be deducted from your total, and you will be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or a PayPal account.
Upon completion of your purchase you will be directed to a "Thank You" page on Kiva's website. You will also receive a receipt confirming your successful loan purchase using your Kiva Card.
Do I have to donate to Kiva's operating expenses?
Donations to Kiva's operating expenses are always completely optional, however they are vital to the work that we do at Kiva.
100% of every dollar you lend on Kiva goes directly toward funding loans. Kiva doesn't take a cut of the loans made on our website, but instead support our operations through optional donations from our lender community. That is why when you check out on Kiva, we'll automatically ask for a 15% donation. However, this donation is always completely optional and you can change your donation amount on the "Basket" page by clicking the "Edit" link below the donation amount. You'll see a window where you can edit your donation amount ($0.00 is an option). Click "Update my Donation" to save the changes.
How do I view my transaction history?
You can see a record of all your transactions on Kiva by signing into your Kiva account and going to: kiva.org/portfolio/transactions
This page will list your entire transaction history so that you can check on any of your past deposits, purchases, repayments and withdrawals.
How do I change the email address registered with my account?
Once you're signed into your Kiva account, you can change the email address associated with your account by going to: kiva.org/settings/account. On this page, enter in your new email address and your Kiva password in the fields provided and click "Update email."
How do I withdraw funds from my Kiva account back into my PayPal account?
To withdraw your funds from Kiva, go to: kiva.org/withdraw
You can also access this page by signing into your Kiva account and clicking "Withdraw credit" in the column to the left of your portfolio.
On this page, enter the amount you wish to withdraw and the email address registered with your PayPal account (you will need to type this email twice), then follow the prompts.
Kiva and PayPal will process your withdrawal request, your funds should be deposited into your PayPal account in 1 to 2 week's time.
Currently all withdrawals must be completed to PayPal accounts, and Kiva cannot deposit funds directly into your personal bank account. If you do not have a PayPal account, please create one at: paypal.com
Why are there no Field Partners or borrowers in country X?
Kiva works with Field Partners in over 80 countries, and this number is increasing as our partnerships team is able to locate and onboard new partners across the globe. For a list of all our Field Partners and the countries where they work, please visit our partner pages: kiva.org/about/where-kiva-works
Eventually we hope to work in every country around the world, but also must grow at a pace that's healthy for both our current partners and for Kiva.
If we don't work in a country you're interested in supporting, you can check out the Mix Market, which is a great website that collects data on microfinance institutions around the world. You may be able to find a microfinance institution in your area of interest on this site. Please refer to their website at: mixmarket.org
Also, if you know of an organization that would be a great Field Partner that's working in a country where Kiva doesn't yet work, please encourage them to apply on our website. For more information about what criteria Kiva looks for in new Field Partners, please visit: kiva.org/about/where-kiva-works/partner
How do I make a loan on Kiva?
To make a loan on Kiva, try following these step-by-step instructions:
1. Go to kiva.org/login and sign into your Kiva account or create a Kiva account.
2. Click the "Lend" at the top of the page, which will take you to a list of borrowers that you can support.
3. Select a borrower to whom you'd like to support and click "Lend $25." Add additional loans to your basket or click to proceed to checkout.
4. In your basket you'll see your loans plus a suggested optional donation to Kiva's operating expenses. You can edit this donation by clicking the "Edit" link under the donation amount and selecting the amount you wish to donate ($0.00 is an option).
5. Click "Continue" and continue through the checkout process where you'll be directed to PayPal's website to complete payment for your loan.
Upon completion of your purchase you will be directed to a "Thank You" page on Kiva's website and will receive an emailed receipt confirming your loan purchase.
How do I print the Kiva Cards I purchased?
Your Kiva Cards are available for printing anytime before the gift has been redeemed.
To check the status of your Kiva Cards or to print a copy, please sign into your Kiva account and go to: kiva.org/portfolio/kiva-cards
Next to each Kiva Card you'll see a link where you can print that Kiva Card. When the Kiva Card has been redeemed, the name of the redeemer will appear beside the code.
Why isn't PayPal accepting my credit card?
PayPal provides Kiva with free payment processing on all financial transactions, which means that regardless of whether you pay using your credit card or PayPal account, PayPal will process your payment and send you a receipt. Because of this, if you run into trouble using your credit card to make a payment on Kiva, we unfortunately can't do anything directly to figure out why your payment isn't going through.
To help troubleshoot the issue, you may want to try using a different browser or clearing your current browser's cache and cookies, or using a different credit card.
If you continue having trouble using your credit card, please give PayPal's customer service team a call at 888-445-5032 (Toll Free US) or 402-952-8811 (International), or reach out and explain your issue to Kiva's PayPal representative, Tricia Wallace, at email@example.com
How do I purchase a Kiva Card?
You can purchase a Kiva Card by going to: kiva.org/gifts/kiva-cards
On this page you will be given options to select the delivery method, value and quantity of the Kiva Cards you wish to buy. Once you've done that and also agreed to our Kiva Card terms and conditions, you can add the Kiva Card to your basket by clicking "Add to Basket" or "Add to Basket and Checkout".
To pay for your Kiva Cards, proceed to the basket where you can begin the checkout process. Once you've gone through the checkout process and completed your purchase, you'll be directed to a "Thank you" page on Kiva's website and will also receive an email from Kiva confirming your purchase.
Please note, you can view and/or print the Kiva Cards you've purchased at any time by signing into your Kiva account and going to: kiva.org/portfolio/kiva-cards
How can my organization become a Field Partner?
Thanks for your interest in becoming a Field Partner. The best place to learn about our criteria for Field Partners is on our website here: kiva.org/partners/info
This page also contains the application, so if your organization fits the requirements, please apply online.
In order to apply for partnership, an organization must at minimum:
--Display a strong commitment to serving the needs of poor, vulnerable, and/or excluded populations.
--Operate an existing lending program with portfolio quality that is in line with market context and industry standards, or be prepared and legally able to set up a lending program.
--Provide a specific proposal for using Kiva's capital to fund loans with a) high social or environmental impact, and b) pricing that is in line with market context and industry standards.
--Be able to post at least $50,000 USD in loans in the first 12 months on the Kiva website, with capacity to grow in subsequent years.
--Have assets or operating revenues of at least $100,000 USD.
--Be able to legally accept and repay US Dollar debt capital and manage currency risk.
--Be legally registered in its country of operation.
I forgot my password. How do I change it?
You can reset your Kiva account password by going to kiva.org/login
Click the "Forget your password?" link. Enter your email address and we'll send you instructions on how to reset your password.
For security reasons, the password reset instructions will expire if they are not used within a few hours of being sent, so please make sure you change your password soon after receiving these instructions.
Can I make a loan by paying with a check rather than a credit card?
You're welcome to add credit to your account by mailing us a check.
To add funds by check, you'll need to first register for a Kiva account if you don't already have one.
Write your check payable to "Kiva Microfunds" and on the back of the check write the email address associated with your Kiva account.
Please also note the amount you'd like to be credited to your Kiva account for lending and the amount that should be donated to Kiva's operating expenses, should you wish to donate (we recommend 5-10% to help cover the administrative costs associated with check processing).
Mail the check to:
Attn: Maria Zaldivar
875 Howard Street, Suite 340
San Francisco, CA 94103
When your check payment has been processed, which can take a few weeks, we will credit your account and notify you by email. You can then make a loan through the website using the Kiva credit available in your account as payment.
How can I get a tax receipt for my donations?
To print a tax receipt for any donations made to Kiva's operating expenses, all you need to do is sign into your account. Once signed in, go to: kiva.org/portfolio/donations
This page will display a list of all donations you've made and will also give you the option to print a donation receipt.
I know someone who needs a loan. How do they apply?
Kiva is not a bank or a microfinance institution, which means that we do not receive or review applications for loans. We do, however, know that looking for the right loan can be a challenging process so here are a few options that your friend can consider in their search for a loan:
Entrepreneurs in the U.S. --
Kiva U.S. supports entrepreneurs in the U.S. with interest-free loans for their businesses. These loans are crowdfunded by lenders all over the world and are paid back over the course of a couple of months to a few years. Kiva U.S. loans can be as large as $10,000. Rather than assessing credit history and financial statements, Kiva U.S. relies on your trust networks as a measure of creditworthiness. For that reason, applicants are required to secure a trustee or their initial lenders from within their own network prior to fundraising on the Kiva website.
To learn more and consider applying for a loan, please visit: borrow.kiva.org
If you have further questions about applying for a loan through Kiva U.S., please email firstname.lastname@example.com
Borrowers in other countries around the globe --
Kiva also partners with Field Partners in many countries around the world. Loans from these partners vary in interest rates, loan amounts and requirements. To apply for a loan through a Kiva Field Partner please have your friend contact the organization directly. A list of Kiva's Field Partners and their contact information can be found on the Field Partners page: kiva.org/partners
If your friend cannot find a Field Partner working in their local area and lives outside of the United States, please have them try the Mix Market, which is a great website that collects data on microfinance institutions around the world. Please refer to their website: mixmarket.org
Please note that Mix Market is an information service and does not provide funding. Also note that Kiva does not participate or have a say in which businesses are selected by our Field Partners. Contact each Field Partner directly for more information on loan requirements and underwriting guidelines.
Can I combine or merge Kiva accounts?
At the moment we do not have a feature that would allow us to move loan shares from one account or combine two existing Kiva accounts.
If you'd like to move funds from one account to another, the best thing to do is to purchase a Kiva Card or withdraw the funds and then deposit them into the other account.
Can Kiva relend my Kiva credit for me?
While we can't make specific loans on your behalf, Kiva has a feature called auto lending which will automatically relend your Kiva credit according to preferences you set.
To turn on auto lending, sign into your Kiva account and go to: kiva.org/settings/credit
Once you've selected your auto lending preferences, click the "Save auto lending settings" button at the bottom of the page to turn on auto lending.
Why are your Field Partners' interest rates so high?
We often get questions about the interest and fees charged by our Field Partners, as the rates on Kiva's website often seem higher to lenders than what they're accustomed to seeing. The average interest rate and fees charged is noted using the "Average Cost to Borrower" field, and this helps cover the high operational costs of facilitating microloans and providing services to borrowers. At Kiva we believe that sustainability is critical to reaching more families and communities around the world, and charging interest to borrowers enables our Field Partners to cover their costs of providing a service, while working to achieve self-sustainability.
Because our Field Partners don't have to pay interest to Kiva for funds provided by Kiva lenders, Kiva loans provide Field Partners with the flexibility to reach more communities and more rural or underserved populations. Most Kiva Field Partners do charge borrowers interest in some form, however Kiva will not partner with an organization that charges unreasonable interest rates, and we require Field Partners to fully disclose their rates. In addition, Kiva partners only with organizations and microfinance institutions that have a social mission to serve the poor, unbanked and underserved.
A couple of things to consider when thinking about interest rates:
1. As many of our partners serve communities in rural areas, the labor of distributing and collecting loan payments can add to the organization's operational costs.
2. Comparisons of interest rates charged by commercial banks in underdeveloped countries and interest rates charged in developed countries can be misleading. A developed banking system can provide funds at lower rates, and when a bank facilitates larger loans, a lower proportion of costs are needed to cover transactional expenses. Microfinance is an expensive business, which is essentially the reason small loans are not provided by large banks.
3. Developing countries also typically have high inflation rates which need to be factored into the interest rates charged. For example, an interest rate of 20% per year in a country where inflation was 22% per year would not cover costs. The interest rate charged by the institution would need to be greater than 22% in order to simply cover the cost of inflation, let alone other operational costs.
In addition to the average cost to borrower, we list our Field Partners' return on assets (ROA) on their partner pages (kiva.org/partners) so that lenders can see how much money the Field Partner is making based on the loans they're disbursing. ROA is a measure of profitability, and currently, our partner average a negative ROA.
For additional information about interest rates in the microfinance industry, check out: mftransparency.org/
Can I change the recipient information or delivery method of a Kiva Card after it's been purchased?
Unfortunately it isn't possible to change the email address, delivery method or any other details associated with a Kiva Card after it's been purchased.
However, all one needs to redeem a Kiva Card is the gift code. You can find the gift code for any Kiva Card you've purchased by signing into your Kiva account and going to: kiva.org/portfolio/kiva-cards
Alternatively, we can cancel the incorrect Kiva Card, returning the funds to your account in the form of Kiva credit. You can then use the credit to purchase another Kiva Card with the correct information or delivery method.
Will I receive interest on my loan?
Kiva doesn't pay interest to lenders. Lending on Kiva involves risk of principal loss, and loans should not be considered an investment.
Do I have to use PayPal when I checkout?
When you make a purchase on Kiva's website, you should have the option to pay with funds from a credit card or a PayPal account.
Regardless of which option you choose, PayPal will process your payment and send you a receipt. Kiva uses PayPal to process all of our financial transactions, as they provide us with free payment processing. This support saves us approximately one million dollars annually and helps us to keep our operating expenses low.
Please note that you will, however, need a PayPal account if you withdraw funds from Kiva.
I'm having trouble using Kiva's website. Can you help me troubleshoot?
If you're experiencing difficulties using Kiva's website, here are a few steps you can try to help resolve the issue:
-Use a private browser or go into "incognito mode"
-Clear your browser cache and delete your browser cookies-Enable cookies
-Change the security settings on your browser to allow Kiva as a trusted site
-Try using an alternate browser or upgrading your browser to the most current version
If the problem continues, please let us know and we'd be happy to help troubleshoot the issue further.
Thanks for your patience and your support.
What is auto lending?
Auto lending is a feature that helps ensure that you never have unused Kiva credit sitting idle in your Kiva account when it could be lent out to a Kiva borrower. When you turn on auto lending, our system automatically makes loans for you using the Kiva credit already in your account. The loans it makes are only triggered by another Kiva lender making a loan to a borrower that matches the criteria you select. This puts your idle credit to work, but ensures that people are still the driving force behind the loans made.
To turn on auto lending, just sign into your Kiva account and go to: kiva.org/settings/credit. Use the options to select your auto lending settings, and once you do, click the "Save auto lending settings" button to enable auto lending.
How do I unsubscribe from Kiva's email lists?
You can edit your email preferences with Kiva, by signing into your account and going to: kiva.org/settings/email
Please note, so long as have a Kiva account, you will receive some emails from Kiva. We are legally required to send you some information about your account status and activity. Otherwise, you can pick and choose what emails you receive.
How is PayPal involved in the checkout process?
At Kiva we actually do not handle lender financial information. Instead, PayPal provides us with free payment processing on all financial transactions. This means that regardless of whether you use funds from a credit card or a PayPal account to make loans on Kiva, PayPal will process your payment and send you a receipt. This partnership saves us approximately one million dollars annually and helps us to keep our operating expenses low.
For questions about using PayPal, please visit their website at paypal.com, or contact their customer service team at 888-445-5032 (Toll Free US) or 402-952-8811 (International), Monday through Friday, 8 a.m. to 5 p.m. CST.
How do I donate my credit to Kiva?
You can donate your Kiva credit to Kiva's operating expenses by signing into your Kiva account and going to: kiva.org/donate
On this page, you have the option of making either a one-time gift or a monthly donation. Select the option you prefer, then select the amount you'd like to donate. You can choose one of the pre-set amounts or enter in your own amount. When you've made your selections, click "Donate Now" to add this donation to your basket. If you want to change your donation amount, you can do so here. When you're ready to proceed, click "Continue." Review your order and click "Complete order" to make your donation.
You'll receive an email notification letting you know that your donation to Kiva was completed successfully. Please keep this email for your tax records. Thanks for your support of Kiva!
I live in the U.S., how do I get a loan?
If you're a small business owner in the United States, you may be interested in learning more about our direct lending program, Kiva U.S.
Kiva U.S. supports entrepreneurs in the U.S. with interest-free loans for their businesses. These loans are crowdfunded by lenders all over the world and are paid back over the course of a couple of months to a few years. Kiva U.S. loans can be as large as $10,000.
Rather than assessing credit history and financial statements, Kiva U.S. relies on your trust networks as a measure of creditworthiness. For that reason, applicants are required to secure a trustee or their initial lenders from within their own network prior to fundraising on the Kiva website. To learn more and consider applying for a loan, please visit: borrow.kiva.org
If you have further questions about applying for a loan through Kiva U.S., please email: firstname.lastname@example.com
What's the difference between a Kiva loan and a donation?
Lending and donating on Kiva are 2 distinctly different actions that are often confused.
When you lend to a borrower, your loans are not tax-deductible. Our hope is that all Kiva loans will be repaid so that you can use your funds to lend again.
When you donate to Kiva, you are helping to fund Kiva's operating expenses and cover the cost of running Kiva. Donations to Kiva are tax deductible. When you lend, you have an opportunity to make a donation to Kiva in addition to your loan. You can also donate to Kiva at any time here: kiva.org/about/supportus
How do I add Kiva credit to my account?
You can add credit to your Kiva account by signing in and going to: kiva.org/portfolio
Click the "Add Credit" link in the column on the left side of the page (or go directly to: kiva.org/portfolio/credit/deposit). Enter the amount of credit you want to add and click "Checkout with PayPal" to proceed through the payment process. Once you've completed payment you'll be directed back to Kiva's website and your Kiva credit will appear in your account.
Please note, Kiva also has the option to set up a monthly deposit into your Kiva account. For more information, please visit: kiva.org/settings/credit
I want to use my credit card but am directed to PayPal's site to pay. What do I do?
When you're directed to PayPal to complete payment of your purchase, if you wish to use a credit card as payment, look for the option to checkout as a PayPal guest and use your debit or credit card (this option is usually below the "Pay with my PayPal account" option, so it can be easy to miss). When you click on "Pay by debit or credit card," it should give you the option to enter in your credit card information.
Please note, even if you pay as a guest using your credit card, PayPal will process your payment and send you a receipt. PayPal provides Kiva with free payment processing on all financial transactions.
If you have any trouble using your credit card to make a payment on Kiva, or aren't given the option to checkout as a PayPal guest, please contact PayPal's customer service team at 888-445-5032 (Toll Free US) or 402-952-8811 (International), Monday through Friday, 8 a.m. to 5 p.m. CST or email them through their website at paypal.com/help
How can I view the loans in my portfolio?
You can sign into your Kiva account at any time to view the loans in your Kiva portfolio. When signed in, go to: kiva.org/portfolio/loans
Why does it take so long for my withdrawal to complete?
Completing withdrawals via PayPal is a manual process, and as such, takes longer than accepting funds. Kiva needs to manually compile all withdrawal requests, review them and send them to PayPal for processing.
Depending on our capacity, we try to process withdrawals once a week, and you will most likely see the funds in your PayPal account this coming Friday. However, from time to time, withdrawal processing can be delayed.
Once Kiva sends withdrawal funds to PayPal, you should be able to access them immediately.
Does Kiva have any volunteer or internship positions?
Absolutely. Kiva volunteers are vital to the work we do!
We post information about all available volunteer and internship positions on our website here: kiva.org/volunteer
Can I contact the borrower?
Kiva and its Field Partners are unable to facilitate direct communication between lenders and borrowers at this time. However, if there is an update on a loan, you can post a comment in response. The Field Partner may see this comment, and possibly even share your words of encouragement with the borrower.
In addition, if being able to communicate with borrowers you support is something that interests you, you may be interested in checking out Kiva's direct lending program in the United States. One of the features of direct loans is that it allows borrowers and lenders to communicate more directly with one another through lender comments.
Can I forgive a loan or request that a borrower not have to repay?
While offers to forgive loans are very kind and generous, Kiva's lending process is designed to accommodate loans and not donations. This means that all funding requests posted to Kiva are considered loans, and there isn't a way to request that a borrower not be required to repay your portion of the loan he or she received.
Our hope is that once you've been repaid, you'll use those funds again to make even more loans on Kiva -- helping to reach even more borrowers around the world.
How do I create a Kiva account?
Registering for Kiva is free and and easy. To get started go to kiva.org/register
In order to register for a Kiva account you'll need to supply your first and last name and email address, then create a password to keep your account secure. You can also choose to upload a picture or choose to create a public lender page. Read through the Terms of Use and Privacy Policy and check the box confirming that you've read them. Click "Register" to get started.
You can also use the option to sign up using Facebook Connect, which will allow you to create a Kiva account using your Facebook login information.
Do you have brochures or promotional materials?
We have a printable flyer available here: brandfolder.com/s/o9k5d4-6unmo-bhr0xk
Thanks for spreading the word about Kiva!
Can I lend less than $25?
At Kiva, we divide loans into shares of $25. For this reason, the minimum amount that you can contribute to a loan on Kiva is $25. However, you can still make a loan if you have less than $25 of Kiva credit in your account. When you select a loan to support and proceed through the check out process, we'll automatically deduct the Kiva credit in your account from the amount of your purchase. You can then pay for the remainder of your loan with funds from a credit card or PayPal account.
How do I lend the credit in my account?
How can I request a Kiva speaker for an event?
We really appreciate invitations to speak at events, but we are only able to accept a small number of requests because we are so busy working on growing Kiva. To request a speaker for your event, please fill out this form: kiva.org/about/speaker-request (be sure to scroll the bottom of the page to access the speaker request application)
Please note that Kiva is headquartered in San Francisco. As we do not have a travel budget for speaking events, all travel costs will need to be reimbursed for events outside of the Bay Area.
Can I count old loans to my lending team?
You can add or change the team association for up to 14 days after the loan is made. After 14 days it is not possible to count a loan toward the impact of a lending team. To count a loan toward a lending team or change the team association, just sign into your Kiva account and go to: kiva.org/portfolio/loans. Use the pulldown box next to each loan to select the correct team association.
How do I know if the recipient has used the Kiva Card?
You can check on the status of your Kiva Cards by signing into your Kiva account and going to: kiva.org/portfolio/kiva-cards
This page will display all the Kiva Cards you've purchased, as well as the status of each Kiva Card.
Why does the repayment email not match my available Kiva credit?
By default, repayment emails from Kiva list all repayments made to your account over the span of a month (ex 16th of December to 15th of January), even if you've already spent some of the credit on other loans, Kiva Cards or withdrawals. Because this email is intended to be both a summary of your repayments and a notice of your current balance, it is common to see a discrepancy between the total amount repaid over a month, and how much you currently have in your Kiva account.
We're working to make this email clearer, however, if you are interested in receiving more timely notifications when new funds are available in your account, you may wish to update your email settings so that you'll receive repayment emails as often as once a day (if repayments have been made). You can update your email settings by going to: kiva.org/settings/email
Finally, to get the most accurate record of repayments made into your account to date, simply sign into your account and view your transaction history at: kiva.org/portfolio/transactions
How does loan expiration affect the borrower?
In many cases, when a loan expires on the Kiva website without being fully funded, the borrower is not directly affected.
For partner loans, it's common for Field Partners to use existing capital reserves to fund a borrower before posting a loan on Kiva and backfill this amount with the loan funds raised on the Kiva website. In these cases, while expiration may not directly impact the borrower, it can ultimately negatively impact the Field Partner, especially in cases where they experience many expirations on their loans. The potential impact of expirations is less reserves for the Field Partners, which may reduce their ability to lend to more people in their communities.
Direct loans are dependent on lender funding, which means if the loan does not fully fundraise on Kiva and the loan expires, the borrower will not receive the loan from Kiva.
What does it mean that my loan is delinquent?
Loans can become delinquent if either the borrower or the Field Partner falls behind on making repayments according to the repayment schedule that was set when the loan was posted to Kiva.
If you click on the "Repayment Schedule" link on a loan profile, you can see the repayment schedule for the loan, which lists both expected and actual payments. The advanced view will give more details as to why the loan is delinquent.
If a loan is marked as delinquent, this means that Kiva still expects repayments to be made on the loan. In the case of a borrower's delinquency, you can assume that the Field Partner is working with the borrower to reschedule the loan term, if necessary, to try to recover eventual repayment of the loan. If the delinquency is due to a Field Partner being late in repaying Kiva lenders, you can assume that a member of the Kiva team is following up with the partner to work on recovering the amount owed to lenders.
A loan will be marked as defaulted at the time in which Kiva or the Field Partner determines the collection of funds is doubtful and/or the cumulative amount repaid is less than the amount expected as of 180 days prior. If this should happen, you'll be notified by email and provided with an explanation from Kiva or the Field Partner.
What happens if a loan doesn't fully fund on Kiva?
Usually, loans on Kiva have 30 days to successfully fundraise. If a loan is not fully funded within that period, the loan expires and all contributing lenders will be refunded their contribution and notified by email.
In the case of most partner loans, the borrower isn't often directly affected by loan expirations, as the Field Partner would then use its own reserves to pay for the loan. There are a few situations, however, where borrowers are directly affected and won't receive their loan if it doesn't fund on Kiva. This happens with direct loans and partner loans that are not pre-disbursed and where the Field Partner doesn't have other capital resources to disburse the loan.
We know it can be hard to see some loans miss their funding goals, which is why we keep working hard to reach new lenders who can help create more positive impact.
Does Kiva charge interest?
Kiva never collects interest on loans and individual Kiva lenders do not receive interest from loans they support on Kiva.
However, many of our Field Partners do charge interest to borrowers. Self-sustainability is critical to creating long-term solutions to poverty, and charging interest is often necessary for our partners to work to achieve this. While our Field Partners are free to charge interest, Kiva will not partner with an organization that charges exorbitant interest rates and we also require Field Partners to fully disclose their interest rates. You can find more information about the interest rates that Kiva's Field Partners charge on their Field Partner pages (kiva.org/partners) as well as on each loan profile.
Microfinance is an expensive business, which is essentially the reason small loans are not provided by large banks. Charging interest to borrowers enables our Field Partners to bear these costs and achieve self-sustainability.
How do I recognize spam and phishing emails?
Kiva has been alerted that from time to time spammers send out emails impersonating Kiva, with the goal of gathering information. We want to clarify a few things to help people avoid falling victim to these messages and to quickly react if they do.
What Kiva will NEVER ask in a message:
--Kiva will never ask for your password
--Kiva will never ask you to send financial information
What shows that a message is from Kiva:
--(Please note that emails from Kiva will always come from an @kiva.org address, but phishers and scammers may also imitate an @kiva.org address. If you receive a questionable email from an @kiva.org address, please alert firstname.lastname@example.com)
Who/what to consult if you're not sure if a message is from Kiva:
--Send an email to firstname.lastname@example.com
--Forward the original message with the complete email headers
Steps to take if you fall victim to spam:
--Change the password associated with your Kiva account immediately
--Change any other passwords associated with other accounts (email, online banking, PayPal, etc.)
--Email Kiva at email@example.com
For more information, check out this blog post: blog.kiva.org/kivablog/2013/10/01/a-note-about-kiva-and-phishing-for-national-cyber-security-awareness-month
How do I create a lending team?
Any Kiva lender can create a lending team by going to: kiva.org/teams
Click the orange "Start a New Team" button and you'll be taken a page where you can enter in information about your team. Once your team has been created, you'll be given the chance to recruit team members, or you can continue without inviting others. Once you're finished, you'll be taken to your lending team page.
As the creator of the lending team, you will automatically be made the captain, which gives you administrative privileges.
Once you've created your lending team, you should check out the Lending Team Playbook, which provides lenders with lots of tips for establishing and growing their team: kiva.org/do-more/playbook
Can I recommend a Field Partner?
Kiva is always looking for new Field Partners, so if you know of an organization that fits Kiva's criteria for becoming a Field Partner we ask that you please contact the organization directly and ask them to review our minimum criteria to ensure they are a good fit. If the organization fits our minimum requirements and is interested in applying to work with Kiva, they can submit an application online here: kiva.org/partners/info
Applications are reviewed and approved on an ongoing basis. However, given our small staff team and the number of partnership applicants for we receive, it may take some time for the team to respond and approve new partnerships.
Can you provide me with information for my original academic research project?
Unfortunately, Kiva is unable to fulfill any specific research requests, however, here are a few sites that may provide useful information for your microfinance research:
Many researchers have also found our API to be a valuable resource. You can learn more about what information is available via our API at: build.kiva.org
Lastly, many students and educators have also found the Kiva U resources and materials helpful as they look to incorporate Kiva into their academic programs and studies. For more information, check out: KivaU.org
Thank you for your interest in including Kiva in your study, and it would be great to hear what results you eventually find through your research. Please feel free to send us a link to your published article.
How can my company partner with Kiva?
Kiva has a number of institutional supporters, and we appreciate your company's interest in working with us to help expand our work around the globe. If you'd like to support Kiva, whether it be through a small business partnership, a revenue sharing program, or simply making loans on behalf of your company, a great resource is this page of our website: kiva.org/about/supportus/smallbusiness
If you'd instead like to apply to become a Kiva Field Partner or Trustee and help endorse borrowers or facilitate loans on the ground, you can learn more about the application process for both of these ways to work with Kiva on our website here: kiva.org/partners/info and borrow.kiva.org/trustees
If you have any questions about these ways to get involved, please let us know.
How do I turn on auto lending?
To turn on auto lending, sign into your Kiva account and go to: kiva.org/settings/credit
Use the options under the "Auto lending settings" section (it's at the bottom of the page) to select your settings and then click the "Save auto lending settings" button to turn on auto lending.
How do I make a donation to Kiva?
You can make a donation to Kiva's operating expenses through the following link: kiva.org/about/supportus
Kiva is a U.S. 501(c)(3) nonprofit organization, so contributions to Kiva's operating expenses from donors in the United States are eligible for a tax deduction. Kiva's EIN number is: 71-0992446.
Do Kiva Cards expire?
Kiva Cards do not expire, but are converted into a donation to Kiva's operating expenses if they haven't been redeemed 12 months from the date of purchase. Before a Kiva Card reaches this date, the purchaser will be notified by email that it hasn't been redeemed, and they will have the opportunity to remind the recipient of their gift, or to use the Kiva Card themselves.
If a Kiva Card is not redeemed and is converted into a donation, the purchaser will receive a donation receipt via email.
To learn more, go to: kiva.org/gifts/kiva-cards/terms
Is my Kiva Card purchase tax deductible?
How do I attribute loans to my lending team?
Whenever you make a loan on Kiva, you have the opportunity to count that loan toward one of your lending teams. You will need to be signed into your account to do so.
Once signed into your account, you will see a pulldown box on the "Basket" page next to the title "Team." It will default to your preferred team, but you can always change your team association on this page.
Please note, if you forget to count a loan toward a lending team during the checkout process, you have 14 days after the loan has been made to count it toward a team. To do so, go to: kiva.org/portfolio/loans and use the pulldown box next to the loan to select the correct team association. After 14 days there is no way to count a loan toward the impact of a lending team.
Why do loans expire on the Kiva website?
Kiva allows lenders to make choices about who they support with their loan funds. Every loan on Kiva has 30 days to fundraise, and many loans are funded within a matter of days. However, if a loan is not fully funded within 30 days, the loan automatically expires and it can be assumed that the characteristics of that loan were lacking in support from lenders.
When a loan expires, funds are sent back to contributing lenders in the form of Kiva credit, which they can use to support another loan.