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About this item
You are Connor, warrior son of a Native American mother and British father. As the colonies draw closer to revolution, you dedicate your life to the freedom of your clan becoming the spark that ignites the revolution into full blaze. Your crusade will take you through blood-soaked battlefields to crowded city streets, to perilous wilderness and beyond. You not only witness history you make it. Set against the backdrop of one of the bloodiest Revolutions in world history, prepare to be drawn back into the centuries-old battle between the Assassins Order and their sworn enemy, the Templars. Unleash lethal new skills and experience a stunningly realistic world created by Anvil Next, a new engine that redefines gaming.
- A New Master Assassin As Connor, a Native American Assassin, use your predatory instincts to stalk your enemies and eviscerate them with a new arsenal of weapons including tomahawks, rope darts, firearms, and more.
- Ignite the Fires of Revolution From Lexington to Bunker Hill, become Americas first highly trained Master Assassin. Bear witness to the real conspiracy behind the American Revolution between the Assassins Order and the Templar menace alongside historical icons including George Washington, Benjamin Franklin, and many more.
- Explore a Brave New World Pursue your enemies through massive environments from bustling city streets to blood-soaked battlefields and into the far reaches of the American frontier.
- Stunning New Engine Introducing Anvil Next, our new engine designed for Assassins Creed III. Revolutionary physics, animations, and weather systems deliver unprecedented realism, while a new combat system delivers more intense, gut-wrenching battles than ever before.
- Intense Multiplayer The acclaimed multiplayer system returns with a host of refinements, including all-new characters, maps and modes designed to deliver the most compelling Assassins multiplayer experience yet.
- ESRB Rating: MATURE with Blood, Strong Language, Sexual Themes, and Intense Violence
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Los Hooligans has laid its roots in a musical style known as traditional Jamaican Ska and have branched out from there by also infusing jazz elements with occasional hints of Latin and R&B flavors.
Los Hooligans has shared the stage with such acts as The Skatalites, The Wailers, The Specials, Derrick Morgan, The English Beat, The Aggrolites, Chris Murray, Bad Manners, Twinkle Brothers, Della Grant, and many more!


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BRUCE – Moody Brooks Tyler, 94, died Tuesday, May 13, 2014, at Baptist Memorial Hospital-North Mississippi in Oxford. He was born Nov. 19, 1919, in Calhoun County. He married Cuvis Hall Tyler on July 29, 1939. He retired from Memphis Hardwood Flooring Co. after 51 years and he retired as manager of Mt.Comfort Water System after 24 […]
Tag Archives | Memory Memorial Gardens
Moody Tyler
By Floyd Ingram | 8:38 AM | May 15, 2014 | Obituaries
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Recently, I came across a really depressing statistic about the marketing automation buying process: According to a study done by VentureBeat, 70% of marketers who purchase a system are either unhappy or only marginally happy with their software. But even though marketers are unhappy with their purchases, they're still pumping serious cash into the marketing automation industry -- it's projected to be a Read More
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This post originally appeared on the Ecommerce section of Inbound Hub. To read more content like this, subscribe to Ecommerce.
When you think of upselling, think of fast food restaurants. Really! They pretty much perfected the art with their "would you likeRead More
You know those weeks where you feel drained, unproductive, and every little task you do seems to take forever, sucking up all of your energy? Other times, it's the exact opposite -- you feel energized and ready to take on the world.
How do we have more of the latter days and less of the former?Read More
There have been hundreds of thousands of words spilled over the new mandate to drive CIO and CMO alignment. A Google search with those words in quotes produces more than 19,000 results. There are white papers, articles, blog posts, events, and even entire websites dedicated to the alignment of the technology and marketing agendas.Read More
How much content do I need to "fuel" my marketing automation system?
This was a question that was asked of me recently as I spoke at an industry event. The question is a compelling one as more and more, marketers are putting time, money, and energy into the content creation process. However, the question in and of itself may be the wrong question.Read More
The term "marketing automation" may make you a bit nervous.
I mean, just that term -- marketing automation -- it sounds so cold, so mechanical, so impersonal. Are the robots taking over? Is Arnold Schwarzenegger going to be knocking on my front door informing me that all of the human marketing positions have beenRead More
This post originally appeared on the Opinion section of Inbound Hub. To read more content like this, subscribe to Opinion.
Michael Freeman wasn't psyched about having to migrate from one marketing automation system to another. But it had to be done. Last year Freeman's employer, a telecom companyRead More
When you hear the phrase "marketing automation," what do you think of first? A detailed diagram of emails sent to different segments, broken out by email engagement, drawing a line from lead to customer? This has become the norm, yet it is among the least effective automation paths you can set up as a marketer.Read More
Marketing automation is often thought of as just software to help nurture contacts more efficiently. It consists of email, workflows, lists, and social tools that work with a large database of contacts to nurture them down the funnel.
But there's more to it than that. Marketing automation done right:Read More
In almost any organization, Sales and Marketing have the same arguments. Sales wants more leads -- they have quotas to hit, after all. Marketing believes they're sending Sales plenty -- they just want Sales to actually work the leads they're sending.Read More
The following post is an excerpt adapted from our new ebook, "The 'Yelpification' of the Software Buying Process: A CMO's Guide." Download your free copy if you want to learn about new firms that take a crowdsourced approach to doing research about business software programs.Read More
Do you ever wonder how much hidden potential is buried in your lead nurturing pile? The truth is, many businesses have leads that slip through the cracks. Maybe on the surface it didn't appear to be a good lead, maybe the timing was off because they weren't quite ready to buy, or maybe your inside sales team was just spread too thin at the time the lead cameRead More
Have you ever used NPS surveys in your marketing? If you dismissed NPS as something only customer service should worry about, think again. If you're not using these surveys, you're missing out on a big way to grow your business.Read More
Human-to-human connections are the heart and soul of marketing. You don't need statistics to prove the value of personalized messages, multi-channel marketing, and high quality content. It's common sense -- consumers are more responsive to brands that care.Read More
Last month, David Raab, an expert in the marketing automation field, estimated that the industry will grow roughly 50% in the upcoming year alone. That's exciting news for providers like us, but it also creates a significant challenge for potential buyers, many who are first-time buyers of large marketing systems.Read More
How many marketing automation systems do you need?
According to a VentureBeat survey about marketing automation software, the answer most likely isn't what you think.
If I had to guess, I'd say most people would answer just one or two (and also wonder if that was a trick question).Read More
"Marketing automation" can mean a lot of different things, so first, let's all get on the same page. This post is great for beginners.Read More
Wait! Don't sign that marketing automation contract …yet.
If you're a CEO, you may have heard about inbound marketing or marketing automation from your marketing team. They seem excited, but you're skeptical.Read More
Thinking about investing in marketing automation?
Before you get too far, take a look at a series of new studies of marketing automation and its effectiveness. The links to the studies and analysis are below, but here are the two key takeaways from the data:Read More
So you've got a marketing problem -- one that happens to the best of us. It's not that you're not attracting visitors to your website and converting them into leads -- you've got your business blog, social media, landing pages, and marketing offers down pat.
But once you get your leads in the door, they get stuck in your marketing funnel. They aren't readyRead More
We've talked about the basics of marketing automation workflows quite a few times before. If you're reading this post, you are probably already running a few workflows. So I'm not going to talk about how to get them started -- though if you want a refresher, here is a pretty comprehensive guide. Instead, I want to talk about what to do after you've got a few workflows under your belt.Read More
Not too long ago, my colleague Katie Burke wrote a great article, "The Right Way to Think About Your Marketing Software RFP," and it got me thinking about my own experiences as a buyer of marketing technology. Particularly I realized, more often than not, I was thinking about automation the wrong way.Read More
Research from MarketingSherpa shows that the email marketing strategy for most B2B marketers still predominantly revolves around sending mass emails to a marketer's entire mailing list. You're familiar with mass emails, right? Those things you almost always delete from your own inbox?Read More
A glance over the top Twitter users reveals an interesting pattern. Most of them are celebrities, well known media outlets, or sports teams. Every single account in the top few hundred most followed Twitter users is famous outside of Twitter. They didn't get into the top lists because of their Twitter behavior; they got there because they're famous.
If you're an ecommerce business, the image at right probably makes your cringe. Every day, ecommerce businesses lose out on sales when potential customers abandon their online shopping carts. In fact, shopping cart abandonment reached a record high in 2011, at 72%, and is steadily rising. Sound like a missed sales opportunity? Think again. Many of these people will return, and some more qualified to purchase than before. Let's explore how you can leverage abandoned shopping cart lead intelligence with marketing automation to boost your ecommerce remarketing activities.
The topic of marketing automation has skyrocketed on marketers' radars, as evident by the volume of searches over time. But with all the hype over marketing automation or revenue performance management (RPM), some businesses jump too quickly to assume they MUST need this shiny new object.
Face it: you've heard words like "engagement" and "transparency" used to describe social media so much that they're more played out than a Lady Gaga song. Whatever adjectives you use to describe it, letting your personality shine through your brand's social media account is crucial to its success. But there's a dichotomy in social media--a ubiquitous cloud looming over our online relationships and interactions. The evolution of technology has forced nameless corporations to become human and empowered small organizations to reach audiences on social media like never before. However, as soon as "human business tools" like Twitter and Facebook emerged, we found ways to automate our humanity.
Inbound marketers are getting even better at attracting visitors to their websites. But as we all know, in B2B environments, eyeballs don't pay the bills. Getting visitors to convert into leads and ultimately sales is the name of the profitability game. With today's modern analytics and marketing automation tools, marketers can play a bigger role in that 'middle of the funnel' conversion path with the power to re-engage interested prospects and tee up their sales teams for success.
This is an excerpt from our new free ebook, The Ultimate Inbound Marketing Glossary. To grab your free copy of the complete glossary, download it here.
There's a lot of buzz around whether marketing automation software is worth the investment of time and money, or whether it's a waste. Here's the thing: marketing automation can be a really great complement to your inbound marketing strategy IF it's used correctly. Many marketers, however, have come to believe some things about marketing automation that simply aren't true, which leads to misuse of the software and ultimately ends in a lot of disappointment and dismal results. Let's clear up 5 of the most common misconceptions that surround marketing automation and highlight both the dangers and merits inherent in marketing automation.
Successful inbound marketing is about more than just driving traffic to your site and converting it into leads. What happens to those leads after they become part of your database? If the answer is "nothing," or "they get contacted by the sales team," then your inbound marketing strategy needs some serious marketing automation love.
Marketing automation is the use of technology and software to help move prospects and leads through your sales funnel. As part of a whole inbound marketing philosophy, you can use marketing automation to help take the leads you're generating from blogging, social media, and other sources, and make them more sales-ready. While marketing automation doesn't help you generate new leads and can be challenging to use effectively, it's important to be knowledgeable about it and understand when marketing automation can or can't help your business grow.
You have a problem, and this is an intervention. Let's face it, your marketing automation addiction is out of control, and it's no longer working. You send out hundreds, if not thousands of automated messages every day. Your marketing behavior is hurting your prospects, leads, and customers.
Marketing automation is a hot topic among marketers these days, and even though we believe in the power (for both good and evil) of marketing automation, there are still some people that are a little squeamish about the concept.
Ecommerce sites lose out on many potential sales simply because customers abandon their carts in the middle of shopping, and it's not always because they're no longer interested in purchasing the product (although that might be true in some cases). A great way to recover these customers without investing a lot of cost and effort is through the deployment of abandoned cart emails.
Marketing shouldn't make people cry. Do you get marketing email that makes you want to punch your fist through your computer in hopes of actually connecting with the person that sent it. Marketing shouldn't suck this bad. Marketing should solve problems, not induce fits of rage.
In a classic I Love Lucy episode, the red-headed comedienne and her sidekick, Ethel Mertz, take a job working the conveyor line at a chocolate candy factory. Noting their early success on the production line, the foreman yells, "Speed it up!" Soon, the pair demonstrates everything that can go wrong with automation. It's classic Lucy as well as a classic example of automation gone awry.
Would you believe it? Email spammers have taught us honest email marketers a thing or two over the years. Mostly, it's what to avoid if you don't want to end up in handcuffs. But in their own twisted way, spammers have helped us figure out some email marketing best practices to keep in mind as your email marketing, lead nurturing, and marketing automation campaigns get underway.
The B2B marketing automation industry will reach $325 million in revenue in 2011. Despite this growth, 50% of companies surveyed in a 2011 Focus Study say they have not yet realized a return on investment for their marketing automation. There are any number of reasons this could be -- from an over-reliance on email, to a skills gap, to technical limitations of the tool itself. Getting the most out of your marketing automation tool requires integrating it into a complete inbound marketing strategy and using it as a support rather than a replacement. Here are a few ways to get creative with your marketing automation.
Marketing automation is an often misunderstood tactic in two extremes. Some think it's an evil, robotic tactic that should never be utilized in marketing. Other marketers love it, but to the detriment of being overly dependent on it, coming off as impersonal and spammy.
Imagine this: You run the marketing team at a medium-sized company, you have a blog with some great content -- and now you're beginning to think about marketing automation.
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Competitors (novel)
|This article does not cite any references or sources. (August 2009)
|This article consists almost entirely of a plot summary. It should be expanded to provide more balanced coverage that includes real-world context. (March 2011)
|Sergei Lukyanenko
|Original title
|Конкуренты, Konkurenty
|Science fiction
|AST (Russian edition)
Publication date
|2008 (original Russian edition),
|Media type
|Print (Hardback)
|352 pp (Russian edition)
Competitors (Russian: Конкуренты, Konkurenty) is a Russian science fiction novel written by Sergey Lukyanenko.
A Moscow freelance journalist named Valentin Saphonov finds an ad on a pole from the Stellar Time Agency, inviting people to sign up to become a pilot of a space fighter. Assuming this is an ad for a computer game, Valentin goes to the address specified in the ad and is greeted by an attractive woman named Inna. She warns him that everything he is about to do is for real. She explains that, upon his agreement, a copy of Valentin's body and consciousness will be created on a remote space station, where he will receive a spaceship and will be involved in a fight against aliens. After walking him through several rooms, Inna sends Valentin through the back door of the office, explaining that his alter ego is already on the station. Valentin, believing all this to be a prank, decides to conduct an investigation of Stellar Time. He soon finds the gaming website for the popular Russian MMORPG StarQuake. He registers under the nickname Katran (Russian: "катран" — "spiny dogfish"), unaware that his alter ego has received exactly the same nickname. Eventually, Valentin realizes that his character lives his own life and that all this may be actually happening.
Valentin's double quickly ends up being kidnapped by the Seekers, a sect of people who believe that all they are experiencing is a computer simulation, just like in the Matrix. Valentin (AKA Katran) and his instructor Lena (AKA Driver) end up on the icy planet Nigredo, where all water (in every form) is black-colored but normal otherwise. The planet contains the hidden base of the Seekers. Master reveals that they have managed to obtain the plans for building an ultimate WMD — a weapon capable of extinguishing a star in a matter of minutes. They plan to use the Extinguisher to force those who have sent them into space to either unplug them (if everything is indeed a simulation) or return them home. After purchasing a new ship from Roman, Valentin and Lena go back to the Platform, where they have to face a tribunal-like hearing (albeit much less formal). During the hearing, a massive fleet of aliens known as the "Bugs" attacks the Platform, and every pilot is mobilized to defend the station. Many pilots are lost in the battle, but they manage to destroy most of the enemy ships and force the rest to retreat.
Meanwhile, on Earth, the original Valentin realizes that something strange is happening with his in-game character and decides to investigate further. He contacts Lena via ICQ and invites her over to discuss in-game events. However, he quickly realizes that someone is trying to prevent their meeting from occurring. Lena arrives to his apartment, where she confirms his suspicions that everything they have been told at the agency is true — there really are copies of them somewhere out there, flying spaceships and fighting. Valentin receives a call on a phone which he turned off the day before, where an unknown person threatens him to drop his investigation and just play the game. The unknown person turns out to be a sniper on a neighboring roof. Valentin and Lena barely manage to escape in her car. They drive to Oleg, an acquaintance of Valentin, who is intrigued by their story. At Oleg's apartment, Valentin decides that they must contact their doubles and get them to return to Earth in their ships to threaten the agency. He takes a screenshot of the game's 2D star map and sends it to a local astronomer. Surprisingly, the astronomer fairly quickly manages to determine the location of the Sun on the game's map. Lena logs into the game as her other character (whose ship is operated by a bot in space).
In space, Valentin and Lena are tasked by the administration to fly to a faraway planet, which has an abundant supply of certain rare elements needed by the Seekers to complete the Extinguisher. It is there that Valentin receives a message from his other self. The message explains how to find the Sun on their star map (about 330 parsecs away). They realize too late that the Seekers have tricked them and have made off with a substantial amount of the necessary elements, giving them all they need to build the weapon. They return to the Platform, where Valentin decides to share the information about the location of the Sun with Vadim Reshetov, an administrator, only to be knocked out and imprisoned by him.
On Earth, in the middle of the night, Valentin and Lena decide to go to the agency and demand answers. They arrive to find two dead bodies (the agency's security guard and a young Jewish boy), who seem to have shot each other. They find the original Inna and Reshetov there and force them to explain everything. Apparently, Reshetov was approached by a shapeshifting alien several years ago who offered to trade alien technology in return for Reshetov's agency sending people into space. Reshetov considers himself to be a businessman and a patriot, as he wishes to use the new technology to help Russia. He does not know the identity or motives of his mysterious benefactors, and their emissary (the security guard) is now dead. He offers Valentin and Lena positions at his agency, and they accept, realizing that there is little they can do. They resolve to try to convince every visitor to leave, but their attempts are revealed to be futile, as people yearn for this sort of adventure.
On the station, the other Reshetov receives a message from the original and makes a similar offer to the duplicate Valentin and Lena. However, Platform sensors then detect the Seeker fleet close to the system's star. Reshetov sends Valentin and Lena as negotiators, as they know some of the Seekers personally. After docking with the Seekers' flagship, they once again meet Roman and Master. However, Valentin then realizes that their ships have likely been rigged to explode by Reshetov in an attempt to stop the Seekers. The bomb on Valentin's ship is thrown into space, while a Seeker takes Lena's ship far from the fleet and sacrifices himself to save the others.
After finding out the location of Earth, the Seekers decide to undertake the long journey home. However, at their first stop, they are ambushed by an enormous "Bug" fleet. Roman orders everyone to follow him, as he sets course straight for the system's star (a blue supergiant later revealed to be Rigel). As they get closer, being chased by the "Bugs", Roman launches the Extinguisher missile, which explodes in the upper photosphere. The weapon creates an enormous shockwave which destroys the alien fleet, at the same time leaving a small tunnel at the epicenter, allowing the Seekers to pass through the exploding star. They jump to the next system, only to find a massive "Bug" ship waiting for them. Instead of attacking, the aliens send a message to the fleet, revealing their agenda for sending people into space and attacking the Platform every so often. Apparently, they use the humans to fight their offspring to weed out those with genetic weaknesses, as only the strongest would survive. This is a form of population control. That is why they have built the station and made a deal with Reshetov (and, possibly, others). They explain that nobody is forcing humans to go into space — they make this choice freely, as the agency employees are supposed to explain the situation truthfully. The reason for human infertility is simple — the "Bugs" believe it would be cruel to allow humans to bring children into an environment where they are constantly threatened. The "Bugs" make it clear that the Seekers (or anyone else, for that matter) should not attempt to reach Earth using ships, under the pain of death. The Seekers realize that they have no choice and decide to go back to the Platform. Valentin and Lena follow them, hoping that humanity may one day rival the "Bugs".
- Valentin Saphonov (AKA "Katran"): the protagonist of the novel. He is 35, single, no children. Works as a freelance journalist. Does not have a steady job, as good newspapers/magazines do not want to hire him, and he has too much self-respect to work for the bad ones. A brave man, capable of coming up with unexpected solutions to problems.
- Lena (AKA "Driver"): member of the Silent Star Clan and an instructor for newbie pilots on the station. In her early 30s, single, no children. On Earth, works as a taxi driver (hence the nickname) due to her love for automobiles. Earlier attempted to blackmail the Stellar Time Agency, which caused the agency to actively prevent Lena and Valentin from meeting.
- Inna: employee of the Stellar Time Agency, whose job is to send all who are willing to the Platform. Her duplicate in space is an administrator of the Platform, whose task is to greet new arrivals and allocate them initial funds and quarters. She was the first human to arrive on the station.
- Vadim Reshetov: the head of the Platform administration, whose word is the law. Capable of betraying those who trust him. He is 42 years old, divorced, and has a grown daughter. Reshetov is a former KGB operative. His duplicate on Earth is the founder of the Stellar Time Agency. He was the second human to arrive to the station.
- Boris (AKA "Pale Fox"): employee of the Stellar Time Agency. In space, he takes care of various "delicate" assignments of the administration. On Earth, he is used by Reshetov to hold patents on technology received from aliens.
- Bogomolov: emissary of the Bugs on Earth. Keeps an eye on Stellar Time as a security guard. His last name hints at his insectoid origins ("bogomol" is Russian for "praying mantis").
- Oleg Begunov (AKA "Runner"): system administrator for a local newspaper. He is 25 years old, single, no children. Breaks the traditional nerd stereotype by being in excellent physical condition and liking sports, art, and adventure. While he is a StarQuake player, he never visited the Stellar Time Agency, so his ship in space is flown by a bot.
- Leonid Levinson: a young boy from a nice Jewish family. Decided to look for adventure after an argument with his mother. Ended up on the Platform with his violin. Since entertainers are rare out there, he was forbidden to become a pilot and forced to play in a local bar. The original Levinson attacks the Stellar Time headquarters and sacrifices himself to kill Bogomolov.
- Roman: member of the Seekers, a clan which believes that they are not really in space but in a Matrix-like computer simulation. While he looks like a heavyweight boxer, Roman has a Ph.D. in Artificial Intelligence.
- Zinovy Piluchenko (AKA "Master"): head of the Seekers. He is 38 years old.
The world of the novel[edit]
The events of the novel take place simultaneously within the universe of StarQuake and in modern-day Moscow. Most of the characters are people who answered the ad and visited the Stellar Time Agency. Those who agreed to be duplicated will have their copies live in outer space. If the duplicate survives for three years, his or her memories will be copied into the mind of the original. The duplicate's finances will also be transferred to the original and converted to the appropriate currency. Until then, the one who remains on Earth can register on the game website and follow his duplicate from the viewpoint of his character. The duplicate finds himself on the main space station named the Platform (or the Bun due to its shape). He is given 1500 starting credits, for which he can buy a primitive ship and perform various tasks, including asteroid mining, interstellar trade and transportation, fulfilling tasks (i.e. quests) assigned by the administration or other players, and exploring remote star systems. While earning credits and gaining experience, the player can raise his level and purchase a new ship. The pilot of a more powerful ship can become a space pirate or join the ranks of the volunteer patrol service. Also, the player can join one of the many clans, which are constantly engaged in struggles with each other for resource-rich planets and star systems. Besides being a pilot, the duplicate can also choose another profession either on the Platform or on a colony. The most valuable professions are engineers and scientists, who can study unknown technology for human use. Technicians are also valuable, as they repair and maintain the pilots' ships.
All known planets in the vicinity of the Platform contain only plant life. Some planets also contain fossils of long-dead animals. It is assumed that they died out due to infertility approximately 1000 years ago. It should be noted that none of the women who have arrived to the Platform are able to conceive children. The cause for this is unknown.
Food, clothing, and various devices are created using the so-called "synthesizers", machines capable of flawlessly replicating physical objects based on a built-in program. The synthesizing process consumes matter and energy. It is necessary that the source matter contain all the necessary elements for an object to be reproduces (i.e. synthesizers cannot transmutate matter). For example, a synthesizer will be unable to create an object made of iron if the source material only contains carbon.
Ship-producing synthesizers are only present on the Platform.
Occasionally, a highly-advanced alien race nicknamed the "Bugs" attacks the human colonies and the Platform.
External links[edit]
- StarQuake online game (Russian)


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Looking for something to cook? Find the recipes heard on ABC South West Victoria here, or search ABC Local's database of 20,158 recipes.
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WINSTON-SALEM, N.C. – The third annual Bike Safety Day, which is supported by Safe Kids Northwest Piedmont at Brenner Children's Hospital, will be held Saturday, May 30, from 10 a.m. to noon at the Little Stars of Bethlehem Preschool.
The preschool is at 1355 Jonestown Road, about 1.3 miles south of U.S. 421. The event is organized by Hayluri "Luly" Beckles, who lost her own son in a bicycle accident several years ago. She is the Latino program specialist for Work Family Resource Center.
A bicycle rodeo will be held, and Safe Kids will be giving away free safety helmets while supplies last. Children are encouraged to bring their own bikes and helmets to learn safety training from the Winston-Salem Police Department Bike Patrol.
Community agencies such as Mothers Against Drunk Driving, Work Family Resource Center, Forsyth County Public Library, and the Winston-Salem Fire Department will also be on hand to share safety information, as well as the Brenner Children's Hospital Critical Care Transport Team.
Wake Forest Baptist Medical Center has compiled a list of support groups to help patients and families cope with certain illnesses.
On March 20, seniors at Wake Forest School of Medicine learned where they will begin their careers as doctors at Match Day, an annual event at which graduating medical students learn where they'll be doing their residencies. This year 113 Wake Forest medical students, 59 men and 54 women, matched in 20 specialties.
Disclaimer: The information on this website is for general informational purposes only and SHOULD NOT be relied upon as a substitute for sound professional medical advice, evaluation or care from your physician or other qualified health care provider.


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You are currently browsing the category archive for the 'Investing in Inclusive Finance' category.
> Posted by Jeffrey Riecke, Communications Associate, CFI
Last week global leaders across industries gathered in the tiny mountain town of Davos, Switzerland for the 2015 World Economic Forum (WEF). (Though you probably already knew that, given the annual event's ever-swelling stature and press.) The WEF fosters strategic dialogues in the hopes of developing ideas, insights, and partnerships around the most pressing issues and transformations reshaping our world. This year's WEF included sessions from Jack Ma of Alibaba on the future of commerce, German Chancellor Angela Merkel on global responsibilities in a digital age, IMF Director Christine Lagarde on global monetary policy, former Israeli President Shimon Peres on political affairs affecting the region, and Bill Gates on sustainable future development. Of course we were following the topic of financial inclusion, and the action that got underway made it a week worth noting. Here's a snapshot of some of the financial inclusion happenings at Davos.
In the "Inclusive Growth in a Digital Age" session held on Wednesday, a panel, which included MasterCard CEO Ajay Banga, considered how our age of digitization can confront income and wealth inequality, support investments in education and work-based training, and address vulnerable employment. Among the points of discussion was mobile phone penetration leveraged for financial services access. A full video recording of the session is available, here.
The most exciting trends and startups in inclusive finance this year
> Posted by Vikas Raj, Director of Investments, Accion Venture Lab
There has been a lot of buzz in the financial technology (FinTech) space over the last several months, with a high-profile IPO, several more apparently on the way, and more and more venture funding flowing into FinTech startups. Bold ideas for financial services innovation are getting more visibility – just this month, Australian Wealth Index (AWI) listed the 50 Best FinTech Innovators, and CFI's Elisabeth Rhyne conveniently categorized the list so it's easy to see at a glance where the innovations are.
At Venture Lab, we found the AWI list interesting but also felt it missed something significant: namely, that one of the biggest opportunities for FinTech is figuring out new solutions to include the billions of lower-income people who are today excluded from formal financial services. And it's not charity that compels us to reach these customers – it's good business. These customers represent a big market. In fact, they're such a significant part of any emerging market's customer base that any global providers with dreams of international expansion must cater to them if they want to succeed.
> Posted by Andrew Fixler, Associate, CFI
Inclusive financial services in Africa are blooming. Between the turn of the millennium and 2011, the number of African MFIs reporting to the MIX increased from 58 to 397. From 2000 to 2014, the gross loan portfolio expanded over tenfold to $6 billion. Between 2003 and 2009, the number of borrowers served by MFIs in Africa increased from 1.6 million to 8.5 million. These numbers represent the development of an economic development tool for economies with very small financial sectors. It is impressive progress for an undeveloped industry beset by sparse human capital, problematic governance, and minimal external commercial interest.
AfriCap, which was the first private equity fund to invest exclusively in African microfinance institutions, and other microfinance investment vehicles (MIVs) funded by social investors have been a key growth factor through capitalizing MFIs and offering technical assistance and training. This interest is relatively new. The African MIV portfolio grew at an average annual rate of 36 percent between 2006 and 2013. This compares with an average growth of 38 percent for investments in the Latin America & Caribbean region since 2006, and 8 percent in both the Middle East & North Africa and South East Asia regions. The strong connection between MIV financing and microfinance sector growth was also noted in a World Bank paper, Benchmarking the Financial Performance, Growth, and Outreach of Greenfield Microfinance Institutions in Sub-Saharan Africa. The paper, released in 2014, explains the relevance of greenfield MFIs to effecting financial inclusion in undeveloped financial markets. These institutions are financed in large part by equity and debt from development finance institutions, as well as a now-significant cohort of MIVs.
The following post was originally published on the Microfinance Gateway.
As the microfinance industry grows and becomes more complex, governance plays an increasingly important role in managing sound institutions and preventing crises. Corporate governance provides the framework through which an institution's diverse stakeholders—investors, board members, management, and employees—set the strategic vision, monitor performance, and manage risks.
The Center for Financial Inclusion at Accion has recently announced a partnership with The MasterCard Foundation to launch the Accion Africa Board Fellowship program. The new program will promote peer-to-peer learning on governance and risk management practices at financial institutions that serve low-income clients in sub-Saharan Africa, a region with more than 6.6 million microfinance clients.
We spoke with Beth Rhyne (left), Managing Director of the Center for Financial Inclusion at Accion, and Ann Miles (right), the Director of Financial Inclusion at The MasterCard Foundation, to learn more about their vision for the program.
Good governance helps an institution fulfill its mission, increase efficiency, and improve its ability to attract customers and investors. Why do you think the microfinance industry in Africa needs such a program at this time?
Miles: Good governance begins at the top of any organization. The policies that are set, and the signals that are sent, by board members and CEOs permeate throughout an organization. They are a major component, perhaps the major component, in determining how an organization succeeds in its given mission. So, how a board does its work is critically important, and it's something that we at The MasterCard Foundation care about a lot.
> Posted by Center Staff
The microfinance industry in sub-Saharan Africa, boasting roughly 6.6 million clients, is growing fast. This expansion of financial services to the base of the pyramid, bolstered by an increasingly diverse array of providers and products, is enabling many lower-income individuals, entrepreneurs, and households to access and use essential tools like loans and savings accounts for the first time. To ensure the stability and success of the institutions that provide services, however, strong institutional governance and risk management needs to be a core priority. A new CFI initiative, generously supported by The MasterCard Foundation, sets out to address this.
> Posted by Michiel Sallaets, Communications Manager, Incofin Investment Management
To continue Sri Lanka's development in its post-war, post-tsunami era, it's essential that greater investments be made in the country's agriculture sector and in its financial services for the base of the pyramid.
In Sri Lanka, about 80 percent of the population lives in rural areas. Agriculture is the main source of income for these people and many of them work at the smallholder level. Loans are necessary for farmers to adequately invest in seeds, fertilizers, tools, and other productive inputs. Loans can also prove instrumental in compensating for the occasional inadequate harvest. Yet, the proportion of people who have taken out loans in Sri Lanka in the past year is a dismal 9 percent. Only 22 percent of the population in the past year has saved in a financial institution.
This is our first in a series of responses to the provocative post last week from Ignacio Mas. Ignacio asks why the "current innovation frenzy in digital financial services in the U.S." does not translate into action in BoP markets across the world, and puts forth a number of hypotheses.
"There are three things none of these digital players want to deal with – and never will. They do not want to get a banking license that embroils them in onerous regulation. They do not want to conduct primary identity checks on their customers (Know Your Customer, or KYC), which require physical customer contact. And they do not want to touch their customers' cash."
What follows is a response from Tahira Dosani and Vikas Raj of Accion's Venture Lab, which invests in new fintech start-ups.
While it is true that much of the current innovation in digital financial services has been focused on higher-end consumer segments and less on financial inclusion, in our view this has not been a result only of digital players' intentions. In fact, mainstream digital financial service companies' difficulties in serving the financially excluded arise primarily from three key factors – cost, connectivity, and capability. Simply put, these customers are more expensive to acquire, harder to access, and require targeted products, pricing, and distribution. Customers that are banked, connected, and well-understood are the low-hanging fruit today, and that is why they are targeted by large players.


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Vaccine recipients or their parents/guardians should be informed by the health care provider of the potential benefits and risks of Influenza A (H1N1) 2009 Monovalent Vaccine Live, Intranasal, and should be advised that there are two influenza vaccine formulations for this influenza season, the monovalent vaccine against disease caused by pandemic (H1N1) 2009 virus and seasonal trivalent influenza vaccine.
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Vaccine recipients or their parents/guardians should be informed by the health care provider that Influenza A (H1N1) 2009 Monovalent Vaccine Live, Intranasal is an attenuated live virus vaccine and has the potential for transmission to immunocompromised household contacts.
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Mary J. Blige is headed to NBC this fall as a mentor on "The Voice."
The singer, currently starring in "Rock of Ages," will be an advisor on Coach Adam Levine's team, filling one of two spots left open by Robin Thicke and Alanis Morissette.
"I love Adam, he's amazing. I'm so happy to be working with him and his team," said Blige, who is the second mentor named for next season, after Michael Bublé joined Team Blake Shelton last week.
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Featured Companies
Our products include clear, long lasting penetrating waterproofing sealers for use on a variety of surfaces including wood, concrete, stucco, brick, block, tile, and canvas.
KONE is one of the leading companies in the global elevator and escalator business. We develop, manufacture, install, modernize and service elevators, escalators and autowalks. Our company also seeks growth from servicing automatic building doors.
Manufacturer of products for waterproofing, preservation and protection of concrete and masonry.
Designers and architects trust Unilock paving stones and retaining walls to achieve their vision without having to compromise either creative design or long-term performance. Unilock has a wide range of exclusive textures, styles and colors, and an extensive array of customizable solutions, combined with the most advanced technologies in the industry, delivering exceptional strength, resilience and beauty. We introduced pavers to North America and continue to lead the style and technology trends in the hardscape industry.
Chemprobe Coating Systems, L.P.
Cherokee Mobile Power Wash Services


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Music Healing
Music Healing is Also Available on the Mac App Store Now!
- No other senses have the impact of sound. What you hear can change your life. The way you sleep, wake up and think. Change what you listen to and notice a change in everything else.
"Research has shown that music has a profound effect on your body and psyche."
- stress.about.com
Use Music Healing when you are in stressful and intense situations or just need to relax and get away.
* Features Tons of soothing Musical Pieces
* Beautiful Imagery that Fades in and out for a Visual Escape.
* Video playback of a beautiful beach scene
* A Sleep Timer Fades Music after the time of Your choice.
* This App Has to be Seen and Heard in action so buy Now and enjoy!
note: Be sure to tap the "i" button for timer settings.
* XME Has Written and Produced for
⁃* India.Arie
⁃*⁃ "There's Hope"
⁃*⁃ "Private Party"
⁃*⁃ "Just For Today"
⁃*⁃ "She Is" (Film-score for "Iron Ladies")
⁃*⁃ "Grains"
⁃* Anthony David
⁃*⁃ "Words" (Nominated for a Grammy)
⁃* Cekoya - From BET's Sunday Best
⁃*⁃ "It's Me" Album
⁃and Now "Music Healing" software exclusively for you!
What's new
*Moved info button to top left to make it more visible...
- small fixes
- Please update reviews or leave new good feedback if you enjoy our work. Every 5-Star review helps
Share with Others
- Last changed:
- 15 hours ago
- Category:
- Healthcare & Fitness
- Developer:
- XME Inc.
- Version:
- 3.0.1
- Size:
- Current Version Average Rating:
- 4.00 (11)
- All Versions Average Rating:
- 3.50 (282)
- Other Apps By This Developer
• Alphabet Phonetics
• BeatPad
• BeatPad | Lite
• Christmas
• Christmas
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• Healing Voice | Lite
• Hip-Hop Studio
• Hip-Hop Studio Pro
• Hip-Hop Studio: Free
• HipHop Studio 2
• Lite - Music Healing Voice
• Music Healing
• Music Healing - Free
• Music Healing Lite
• Music Healing | Voice
• Phonetics FREE
• Pocket Producer by XME
• Pocket Studio
• Pocket Studio | Free
• R&B Studio - Multitrack Voice & Pro Instrumentals
• R&B Studio PRO
• Techno Studio
• Techno Studio Pro
• Z-Drums
• Z-Drums Pro


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Legal-Bay.com is a leader in B.P. Claim Funding and is offerring to assist all Key West businesses with providing working capital in just 48 hours from applying with Legal-Bay.com. With the busy spring break season approaching and the B.P. Claim Center taking longer than expected to pay claims, many business owners simply need cash to operate. They no longer need to wait, as Legal-Bay.com is pre-approving all Key West businesses that have active claims, since all of Key West is in Zone A, which the highest value of B.P. Claims.
All the business owner needs to do is apply for a free quote at Legal-Bay.com. Or they can call toll free at 877.571.0405 where live agents can answer any questions that the business owner may have.


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From a classic Craftsman to a cool contemporary, the different styles of homes are as varied as the people who live in them.
Find Top-Rated Old Lyme Home Builders
Angie's List helps you hire the best - and avoid the rest!
Home Builders to Avoid
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Featured Deal in Old Lyme
$100 for a Room Addition Consultation
Local Articles in Old Lyme
With opening night days away, the Chicago Cubs are coping with stadium construction delays. But here's how homeowners can prevent remodeling fouls and keep their own renovation projects on schedule.
These six homebuilding tips can help you to navigate what can be a complicated process.
On this episode of Chat with the Experts, we talk with Andy Lindus of Lindus Construction about how to navigate the home building process and what to expect.
Angie's Answers
The purpose for a building permit is to ensure meeting the minimum standards for construction practices and minimum safety standards. A contractor who works without a permit, does so because they know they are not in compliance (and to save money at your expense). They knew they should have had inspections and permits for their work. Who ever built the addition should be reported to both the building official as well as the Better Business Bureau. It is ultimately the homeowner who is responsible for ensuring the proper permits have been applied for, though.
So when you apply for your permit, you will be pretending as if the work is not completed (you do not hide this fact, you just have to follow the correct process as if it hadn't been built). Your first stop will be with zoning; can you even add an addition, do you have the proper clearances from the side, front and rear property lines. If it is a bedroom, does the septic system (perk test) support an additional bedroom. If your building already meets or exceeds the amount of building allowed on the site or if you do not have the clearances required from the property line, your addition may be required to be removed. There are appeal processes and variance requests you can try before tearing down the addition (Get an architect).
If your zoning review is fine, next you go to permitting. Here you will submit plans (drawings) of what was built. If you do not have these plans, consider hiring an Architect to generate As-Built drawings for this use. Hopefully the plan review comes back with no changes, or you will alread know your addition is not in compliance and may face rebuilding. Depending on the type of construction, your zoning and your local building requirements, you will be required to have inspections of your foundation / footings, the framing, the electrical, mechancial and HVAC systems, etc. affected by the work.
This may require digging the ground back up so the inspector can confirm foundation depth, size and draingage requirements. The interior wall finishes (gypsum board, panelling, etc) may have to be removed in some or all areas so the framing and electrical can be inspected (If one area fails, be prepared to pull all areas down). At each inspection, if the work is found to be lacking, then you will have to correct the work before getting permission to use the room. If there is an electrical or safety violation found, it is possible the Building Official could declare the entire property inhabitable until the offenses are corrected (IE you are homeless until it is fixed).
As you can see, you have to hope beyond belief that the builder constructed everything correctly and that the building officials will work with you to minimize the amount of deconstruction necessary to inspect the work.
Also, you will be charged all the fees associated with plan review and permitting, and you will be charged for each inspection visit (as your builder would have been charged initially had they followed the law).
As for value, here is the real concern: If your home burns down or faces some similar disaster, your home owners insurance will balk at paying; they will blame the illegal construction as the cause. As for the value of your building, not having a permit will make any buyer have a difficult time getting their own insurance, thus harder to sell. The room itself will add value to your property, if it isn't a hazard (IE permitted).
Also, taxes are based upon assessments, which use the land records. Building without a permit, can be seen by local officials as an attempt to avoid paying property taxes, since the land records do not show the addition. Until the official tax records reflect an accurate statement of your building, you may face fines, tax fees and other costs associated with the improvement depending upon how long it has been there unreported.
You may wish to contact a local, licensed Architect who works with the local building department. They will know the personel, know which forms you need to fill out first and how to protect you from an overzealous Building Official (there are exceptions and options within the Code that the Building Official may forget or ignore that an Architect can request be used to prevent tear down or damage). Next time you go to build get the Architect first to protect yourself from what this construction firm did to you.
Good luck!
Each state has different rules on what "as-is" means, but almost all use the term when it comes to realestate sales. At two years, you are facing a hurdle that any issue could be the result of new conditions, acceptable wear / settlement, etc. Has there been any changes in the area? (New house built next door, new addition, earthquake, flooding, etc?)
While you may have been given a home warranty with the purchase (do check your sales paperwork to see if there is any warranty and what it covers for how long) the house is sold to you as-is; it is your responsibility to raise concerns prior to taking over the house, so going back two years later is a huge up hill batle.
The home inspector is also going to be found faultless, as their reports almost always have words like "consult with an expert. . ." after each report section and they have disclaimers for missed items, etc. I got certified as a home inspector and was surprised at just how little they actually require you to know to become an inspector. They are really just an extra pair of eyes to help inexpereinced home owners look where most people don't look or go. You even mention that the repair work was well masked, so you didn't notice it until you began looking for it. A good inspector might have caught it, but you won't win any court cases proving yours wasn't good enough.
The Seller will claim that any foundation issues were fixed and resolved, which is why they marked "No" on the foundation issue section. They fixed it; so it was no longer an issue. If it came back, that is a new issue. You and I know this is bogus, but to win in court you have to prove intent; and the builder can easily show they thought it was fixed. Or, they might even be able to claim they were unaware - the repairs were from the previous owner, and were hidden so well HE and YOU didn't notice them.
So the next step is to meet with your home insurance agent. As I mentioned above, if there have been any enviromental changes (a new house next door could have changed the underground water table flow or pressures, for example) you may be covered. Even if there are no issues, you still may have a policy that allows for major repairs to be covered after a certian cost threshold, etc. You'd be surprised at what your home owners insurance covers - find out first; they might have in house or low cost engineers who will do the initial inspection, etc. They also will provide advice on your home sale; if they think you have a case against the Seller.
Best of luck on this issue. Make sure any solution you pay for solves the cause (Stress on the wall), and doesn't just fix the results (cracks).
Just a note about the "type" of contractors described in another answer. The one's who do most or all of the work themselves are not very profitable without doing something illegal or cutting corners somewhere, if they finish the job. The time a contractor spends on a job takes away from the office time needed to run a proper business and chase new leads to keep working after your job is finished. There are honest people out there who do everything themselves and don't need to make much money in a year but they are few and far between, typically retired and so the work as a means to keep active and make a little side money. Others try to do a couple of jobs at once and rob from the funds of one to help pay for the other. They just aren't experienced enough and were probably sub-contractors who suddenly thought they could run the show. I've seen it repeatedly. They hit up the customer for more money due to their own budget planning or abandon the job because they aren't making any more money. be leary of a contractor who does not either use an employed or sub-contracted crew, meaning they manage the project's quality, time, and money distribution.
Todd Shell
Todd's Home Services
Mobile homes used CPVC for years and some still do. It works fine but is not as strong as a properly soldered copper pipe system. Is the contractor installing this new plumbing a licensed plumber? I'd be surprised if he is since he's using CPVC and not PEX (or similar) or copper. PEX pipe is even cheaper than CPVC when run by a knowledgable plumber. It doesn't require nearly as many joints since it comes in rolls and can flex through spaces easily.
There are some groups raising a fuss about BPA and other chemicals found in plastics that don't like the use of CPVC, PVC, or PEX pipe. I haven't seen the results of any lab tests to confirm or dispute their concerns. As far as durability goes it's fairly safe as long as it's properly installed and secured. It is not as susceptible to hard water damage as copper. It absolutely must be insulated along it's entire length to protect it from contact to other materials as well as freezing. Also, the fixtures in the house need to be grounded electrically since the pipe itself provides no electrical protection against accidental shock or electrocution. In a copper plumbed house the system is grounded so static electricity, a short in a wire near a water line, or lightning strike will carry the current out through the pipe instead of through the water to you, ideally.
If it's installed correctly you should be fine but make sure the contractor knows what he is doing and follows the proper procedures to use CPVC pipe.
Todd Shell
Todd's Home Services
Home Building reviews in Old Lyme
When I was ready to renovate my 1/2 bath, it was the
These gentlemen get an A++ for professional as well as quality of work! I'll definitely be calling them when I'm ready to renovate the other bathrooms.
First the good: his Concrete, electrical, plumbing, framing, flooring, siding and tile guys. Just top notch honest hard-working guys. Showed up when scheduled, got the work done, didn't mess around. Just great. We still admire their workmanship.
And now the bad:
We are both architects. We hired
Not once did we get meeting minutes. and in fact, the lack of communication and tracking of communication caused so many problems contractually, financially, and construction-wise that my husband set aside HOURS and HOURS of his own time compiling his OWN VERY DETAILED meeting minutes and sending it out to
I once walked into take a look at a new pair of 4x4 posts supporting a 4x12 beam in the kitchen and found that the posts were NOT BEARING on ANY structure below. Just resting on the floor and sub floor that was spanning between two joists. Had it not been for the fact that the flooring was cut back at the point, we would have never caught it.
And then the invoicing.
We eventually offered up all of our financial records to give him an opportunity to compare with his records, check our work, extend and olive branch, and reconcile his books so that we could all sit down and comb through what the remainder that we owed him was. He couldn't even do that. So in exasperation, we wrote up a completion agreement and deducted the work left to do from what we were able to determine we owed him and presented it as an option to cut him loose. He eagerly signed it, we cut him a check, and we never saw him again. We were left with a mountain of unfinished loose ends and work. Including an incomplete deck railing that almost caused our homeowner's insurance to lapse.
but the biggest issue we discovered recently (after letting
And then there was his painter son,
In summary: Though we are 85% happy with the final product the journey proved to be a very stressful, costly, and disheartening experience that we are STILL cleaning up months later. I've worked with dozens of contractors professionally and personally, and that's about as honest as I can be about the whole experience. I don't think
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myWorkTime Lite - Timesheet, Work, Task, Time, and Billing Tracker
Timesheets & keeping track of your hours is a must for consultants & freelancers.
MyWorkTime will help you keep track of your Clients, Projects and Tasks, making timesheets, time tracking simple.
Every hour, minute & second you work on a Client, Project will be recorded & accounted for thanks to our tracker task tracking app.
Export timesheet data via e-mail in text or CSV formats.
There are 113 currencies in the time tracking app.
Use multiple work timers to track all your work clients, projects and tasks.
Keep track of your work day and timesheet by adding Unlimited Clients, Projects and Tasks.
Add work notes to Clients, Projects, Tasks and Work Logs so you can remember all details for your timesheet.
Billing Time Interval, Work Time Rounding, and Hourly Rate can be overridden at Client, Project, and Task level.
User selects application settings for Currency calculations, Work billing Time Interval, Billing Time Rounding, and Hourly Rate.
Easy to use hierarchical display so that you can view all work tasks, view all work tasks for a specific client, view all work tasks for a specific project, and view all work logs for a specific task.
Graphical Indication of running work tasks.
Work Timers keep running even when you are not running the app.
Navigate directly to the work tasks details from the calendar view.
Work Time Billing Rounding can be set to Round Up, Round Down, or Round to Nearest.
Keep track of your work & timesheets for Clients, Projects and Tasks on the go.
Work Time Billing Interval can be set to Hourly, 30 minutes, 15 minutes,5 minutes, 1 minute and 6 minutes ideal for freelancers, lawyers, Accountants, Consultants.
Export CSV via email or direct to iTunes.
Share your data across multiple devices via backup and restore.
What's new
Thanks for using myWorkTime! To make our app better for you, we bring updates to the App Store every few weeks. You can update the app automatically (without checking back here) by going to Settings > iTunes & App Store > Automatic Downloads and turning on Updates.
Every update of our myWorkTime app includes improvements for speed and reliability. As other new features become available, we'll highlight those for you in the app.
Share with Others
- Last changed:
- Mar 10, 2015
- Category:
- Business
- Developer:
- Tus Nua Designs
- Version:
- 1.5.22
- Size:
- Current Version Average Rating:
- No data
- All Versions Average Rating:
- 2.00 (133)
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why mocha?
Small contributions add up to make a huge difference. YOU make a difference each month simply by giving up the cost of a few mochas. Not "into" mochas? How about tacos, manicures, ice cream, movie tickets. See your impact below.
Select a project area:
See the impact:
Meet Everton
"We previously walked miles for clean water. We are now pumping water nearby using solar energy, and the previous challenges encountered are just history. We praise God for this!" – Everton learn more
Meet Francis
At age 9, Francis was orphaned. He provided for himself and his brother by gathering garbage for a few shillings. Francis now attends New Dawn Education Centre on scholarship where he has opportunity through education and job training. learn more
Fekerete's Story
After years on the street, I heard about Women at Risk and immediately enrolled into the program to receive training that will give me an employable skill and get healthcare for my son so he can thrive. learn more
A Single Mom's Story
I am a single mother of 2 children in Kenya. Because of Mocha Club's HIV/AIDS + Health Care projects, I feel healthy, I eat well, and can now take my ARVs more comfortably than previously when I was frustrated and dejected. learn more
Meet Ebenezer
My school uniform was torn and I couldn't come to school. I sometimes wore house attire to school and I was very sad, but now, because of you, I come to school always happy and ready to learn with my friends. I thank you for what you have done. learn more
"If you are neutral in situations of injustice, you have chosen the side of the oppressor.
– Desmond TuTu
you can make a difference
why club?
The impact starts with you giving up a few mochas a month. The impact grows when you invite your friends. Use the Mocha Club's invite tool (above) and ask your friends to join you, and they'll give up a trip to their favorite sushi spot, movie theater, or however they spend their extra dollars.They tell their friends who tell more friends… you get the idea.
Your voice is a very powerful thing.
Our Approach Extreme poverty requires holistic solutions, so, we work in 5 Main Project Areas
- Education
- Healthcare
The challenges Africans face today are as diverse as HIV/AIDS, access to clean water, & the vulnerability of women. Mocha Club is committed to locally developed projects where the community identifies the needs & the response.
Meet Willy. He wants to be a builder. Today's story comes from Flame of Love orphanage in Goma, Congo. You remember…the place where we've worked to put in a water tank, a new kitchen and new dorms. We could summarize his life, but we'll let Willy share what he's seen and experienced all by the age of 9. In just two weeks, a team from Mocha Club will visit Willy and the kids at Flame of Love in Goma. They're starting a pilot project to help kids like Willy make… [continue reading on our blog]