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Tens of thousands of people will be able ride for free on public transport on Anzac Day, with record crowds expected for the centenary of the Gallipoli landings.
Topics: anzac-day, event, history, world-war-1, perth-6000
Brian Ritchie and Lucky Oceans will play together at a pig farm near Penguin this weekend.
Topics: music, arts-and-entertainment, event, food-and-beverage, penguin-7316
Sydney Dance Company Artistic Director Rafael Bonachela says it has been his long-held dream to bring Quintett to Australia. Only seven companies around the world have been permitted to present the piece.
Sydney Dance Company is honoured to be the first in the Southern hemisphere.
Topics: arts-and-entertainment, event, human-interest, lifestyle-and-leisure, person, australia
The Friday Confab - Virginia Trioli & Michael Rowland discuss the week's events with Jamila Rizvi, Editor of Mamamia - and Forbes Columnist and Author Margie Warrell.
Topics: community-and-society, arts-and-entertainment, person, event, australia
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The Gold Coast will host the 2020 World Bowls Championships.
Topics: bowls-and-petanque, tourism, event, broadbeach-4218
With the National and World Swimming Championships just around the corner, the CEO of Swimming Australia, Mark Anderson discusses how he has been working on changing the team culture.
Topics: sport, event, human-interest, australia
Topics: event, canberra-2600
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People across Australia are getting involved in a rather unique way of commemorating the centenary of the Gallipoli landings and the ANZACs. The 5000 Poppies project was started by Lyn Berry and Margaret Knight from Victoria and now others have joined them in felting, crocheting and stitching thousands of hand-made poppies.
Topics: event, human-interest, australia
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Irish rocker Sinead O'Connor draws WOMADelaide Festival to a close, with about 95,000 people attending the event over four days.
Topics: arts-and-entertainment, event, music, adelaide-5000, sa, australia
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There are 50 shearers at work in one of South Australia's oldest and largest wool sheds, but one has to strain to hear anything of their work.
Topics: sheep-production, event, history, mount-gambier-5290, glencoe-5291
A team from the Canberra press gallery led by ABC journalists has beaten politicians from both sides of the spectrum in the annual pollie swim. ABC political editor Chris Uhlmann and political reporter Jane Norman from the winning team chatted to Michael Rowland on News Breakfast.
Topics: event, government-and-politics, australia
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A number of events planned as part of an Indonesian festival in Adelaide are postponed amid concerns it might be seen as insensitive with the pending executions of Bali nine duo Andrew Chan and Myuran Sukumaran.
Topics: event, arts-and-entertainment, community-and-society, adelaide-5000, sa, australia, indonesia
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Tens of thousands of people pour into Exhibition Park for the Royal Canberra Show.
Topics: rural, agricultural-shows, events, event, mitchell-2911, canberra-2600, act, australia
A massive light and installation display draws thousands of people to Elder Park on the first night of the Adelaide Festival.
Topics: arts-and-entertainment, contemporary-art, music, performance-art, visual-art, event, adelaide-5000, sa
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As the Sydney Gay and Lesbian Mardi Gras prepares for its signature parade, Indigenous marchers will be among those celebrating even though their own communities often shun them because of their sexuality.
Topics: indigenous-aboriginal-and-torres-strait-islander, community-and-society, gays-and-lesbians, event, sydney-2000, nsw
White Night festival organisers urge people to consider going to the festival after midnight to avoid the huge crowds expected in Melbourne.
Topics: events, arts-and-entertainment, event, sport, melbourne-3000
The late American photographer Richard Avedon was famous for his black and white portraits featuring some of the best known faces of the 20th century - from Marilyn Monroe to Warhol and lesser known subjects.
Virginia Trioli chatted to Paris based scholar Abigail Solomon-Godeau about a new exhibition of his work at the Ian Potter Museum of Art in Melbourne.
Topics: arts-and-entertainment, event, lifestyle-and-leisure, australia
Topics: photography, event, hong-kong
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Thousands of fans flock to Adelaide Oval to catch the highly-anticipated cricket World Cup match between India and Pakistan.
Topics: cricket, sport, event, government-and-politics, states-and-territories, adelaide-5000, sa, australia, india, pakistan
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WA surfers make the finals of a big wave competition riding the Cow Bombie and The Right breaks off the state's south-west coast.
Topics: surfing, event, margaret-river-6285
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American coming-of-age drama Boyhood is named best film at Britain's BAFTA awards.
Topics: film-movies, arts-and-entertainment, event, united-kingdom
Topics: event, human-interest, el-salvador
It doesn't happen often - but when it does, it leaves many observers puzzled. At the 4th annual AACTA awards - Australia's answer to the Oscars couldn't single out one best film - so it opted to award the honour to two - as film critic Zak Hepburn explains.
Topics: event, arts-and-entertainment, australia


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Villa Faux Leather Black Dining Chairs (Set of 2)
Featuring luxurious faux leather upholstery and dark walnut-finished pine legs, these classic and elegant black dining chairs provide a great transitional style to your room. This dining set includes two chairs with 20' seat dimensions.
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Shanghai Auto Show Bans Booth Babes
The Shanghai Auto Show will do without booth pros this year. Here's why. »
The Shanghai Auto Show will do without booth pros this year. Here's why. » 2/23/15 5:10pm 2/23/15 5:10pm
Good news, everyone: I've decided to devote today's column to the most outdated, obsolete, antiquated relic of the entire automotive industry. » 1/28/15 3:00pm 1/28/15 3:00pm
Alright, alright. I will concede that this Detroit show proved me wrong, that it was one of the best in recent memory—simply because it was full of surprises, or at least the kind of surprise that happens when you stop paying attention and forego the rumors. » 1/19/15 3:54pm 1/19/15 3:54pm
The 2015 Detroit Auto Show press days are over, and the bars full of free coffee and booze scattered around Cobo Hall have been packed away. Here are the people of the event who caught my eye. » 1/16/15 2:25pm 1/16/15 2:25pm
This is the 1994 Ford Power Stroke Concept. It looks like the Oscar Mayer Wienermobile wearing a raccoon mask. Back then Ford pitched this drivable showpiece as "a suggestion of what tomorrow could bring." How close do you think it came to panning out? » 12/15/14 3:35pm 12/15/14 3:35pm
Volvo is launching a new offensive to steal luxury car sales away from the Germans, but the Swedish brand lacks the massive marketing marketing budget of the established players. So Volvo is planning on skipping much of the auto show circuit to focus on online sales. » 12/15/14 10:27am 12/15/14 10:27am
Our pals at Regular Car Reviews painted a dead-on accurate portrait of how just how absurd modern auto shows are. But as silly and boring and PR bullshit-ridden as they are, they're nothing compared to auto shows in the 1970s. (Warning: Video is NSFW-ish.) » 4/30/14 2:00pm 4/30/14 2:00pm
"My First Time at the New York International Auto Show, or: How I Learned to Stop Worrying and Love the Surplus" by The Roman » 4/30/14 10:00am 4/30/14 10:00am
Secret beings from a faraway place known as "Pennsylvania" (I think it's somewhere near Belarus) descended upon New York City last week with clipboards in hand and bright eyes in their eyeball-holes. Yes, Regular Car Reviews did the NY Auto Show. » 4/20/14 10:30am 4/20/14 10:30am
Pink wheels. Bad paint. Crazy customs. Tucked-in T-shirts. Scene kids. Buyers. Exhibitors. Capital-M Media. SEMA is a nexus for the aftermarket, and all that that entails. It can be vulgar, it can be crass, it can be revolting and amazing all at once. And there's a very good reason for all that: money. » 11/09/13 1:13pm 11/09/13 1:13pm
Sex appeal is used to sell cars in every country, but China has outdone the rest of the world with what they call "breast milk exhibitions," i.e. regular auto shows filled with topless and sometimes totally naked women. » 12/26/12 2:00pm 12/26/12 2:00pm
Whenever you go to an auto show, you're sure to see a bevy of beautiful women surrounding the cars on stage in order to attract attention. This is nothing new. » 11/21/12 12:00pm 11/21/12 12:00pm
If you've been away from the internet for the last few weeks, you might have missed Connor's Day, a massive car show in England where more than a thousand cars of all stripes gathered at the request of a young boy grappling with a terminal cancer. » 9/15/12 12:00pm 9/15/12 12:00pm
The world's automotive media is on hand for the Detroit Auto Show, but the general public's interest in attending auto shows has been declining. What do you think would make these events more interesting and appealing? » 1/09/12 11:30am 1/09/12 11:30am
In a country obsessed with status and burdened with an unbalanced ratio of young men to women, it's not surprising that Chinese men would publicly propose marriage to attractive women who can't walk away — like auto show models. » 7/29/11 2:30pm 7/29/11 2:30pm
The Tokyo Auto Salon held over the past few days is essentially Japan's version of our SEMA show for auto customizers. Being Japan, no car could appear without a tricked-out or cosplayed booth professional. Here are the best. » 1/19/11 3:00pm 1/19/11 3:00pm
Who are we to giggle at the misfortune of a Porsche test driver who not only managed to stick a prototype 2012 911 in a Scandinavian snow drift, but do so in full view of a spy photographer? Tee hee. » 1/19/11 11:45am 1/19/11 11:45am
The Washington Auto Show is teaming with Madame Tussauds to present two fake celebrities at the District's annual new-car extravaganza. Always wanted to grope a president? Now's your chance. [Washington Auto Show] » 1/15/10 11:00am 1/15/10 11:00am
In the spirit of "sustainable zoom-zoom" — their words, not ours — Mazda has finally revealed the Kazamai, the mystery compact crossover bowing at the Moscow International Auto Salon August 26. Kazamai means "swirling crosswinds," and if you think you're seeing a heaping helping of Nagare design language, you're… » 7/15/08 8:30am 7/15/08 8:30am


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Principles of Microcredit document sample
Lessons Learned in Improving Replicability of Successful Microcredit Programs – How Can the Best Models 'Travel' Better Written by: Lamiya Morshed, Development Director Grameen Trust, Bangladesh TABLE OF CONTENTS Introduction……………………………………………….……………..…………………………3 Experience in Bangladesh...........................................................5 Capturing the Spirit of Microcredit...............................................7 Core Features of Grameencredit..................................................8 Replication in Practice................................................................11 Focus on the bottom poor, especially women...............................12 Procedures that Suit the Poorest Women.....................................13 Group Responsibility and Ownership...........................................14 Quality of Leadership and Organizational Capacity........................15 Monitoring, Reporting and Effective Management..........................16 Sustainability...........................................................................17 Necessary conditions and issues.................................................18 Socioeconomic characteristics....................................................18 Legal Status.............................................................................18 Wholesale Funds.......................................................................19 Legal and Regulatory Framework for Microcredit...........................20 Interest Rate...........................................................................22 Mechanisms for Transfer of Microcredit Technology.......................22 BOT: an effective approach........................................................23 Adaptation and Innovation.........................................................25 Conclusion...............................................................................26 Bibliography............................................................................28 2 Lessons Learned in Improving Replicability of Successful Microcredit Programs – How Can the Best Models 'Travel' Better Introduction Microcredit has become accepted over the past 20 years as an effective and sustainable strategy for poverty alleviation and development. Microcredit programs have mushroomed all around the world, and many have grown to become large sustainable financial institutions for the poor. In 1997, when the Microcredit Summit was launched, the numbers of poorest families reached by the poor was 7.6 million. By the end of 2004, this figure had become 67 million, and has continued to grow. It is expected that the Summit goal of reaching 100 million poorest families with microcredit by 2005 has been reached, and even exceeded. This rapid expansion and the presence of microcredit programs in more than 100 countries speaks of the replicability and effectiveness of microcredit programs in widely varying social, economic, political and cultural contexts. The experience of Grameen Trust alone, which has helped to set up projects in 37 countries, shows that the basics of the microcredit program are replicable in very different settings, provided certain basic principles are followed and some preconditions met. However, with more than 1 billion people living under the poverty line today it is not enough for microcredit merely to be replicated. More important is that it should reach the very poor, and ensure that those reached can come out of poverty within a definable time frame. 3 The Microcredit Summit has announced two new goals to be reached by 2015, harmonized with the United Nations Millennium Development Goals, which include reaching 175 million poorest families with microcredit, and ensuring that 100 million of those families have graduated out of poverty, by 2015. If the campaign is to be successful, policy makers and practitioners have to work together to find innovative and cost effective ways to reach the poorest quickly, and help them work their way out of poverty through their own efforts. This Summit provides an opportunity for us to review our collective efforts over the last two decades and distill from these experiences what have been the main lessons learned. While there is no easy formula to be applied, these lessons can help provide a road map for future expansion in microcredit, and may avoid the costly mistakes of the past. This paper will attempt to review what the main factors are that have made the replication of microcredit possible in different contexts, as well as how it has been scaled up successfully. The paper tries to highlight what are the best practices that have translated well across countries, and when adaptations are needed or appropriate. It also discusses what preconditions are needed for microcredit to be successful and what steps can be taken to enable microcredit to flourish. While the paper will touch on different models of microcredit, it will mainly focus on replication of the group-based approach originated by Grameen Bank, which is the model that has been most widely followed and adapted around the world. 4 Experience in Bangladesh The experience of the Grameen Bank in Bangladesh is very well known. Started as an action research project in 1976 Grameen Bank is the largest bank in the world working exclusively for the poor. Today it provides loans to 6.6 million poor people, 96 per cent women, in almost all the villages in Bangladesh. It has disbursed, cumulatively, a total of more than US $ 5.7 billion in loans, of which US$ 5.1 billion has been paid back. The repayment rate in July 2006 was 99%. (GB Monthly Statement, September 2006). Grameen Bank is financially self reliant and makes a profit. Grameen Bank has not received any fresh donor money since 1995. (GB at a Glance, 2006). Grameen Bank plans to reach 12 million borrowers by 2010. All this expansion is taking place with Grameen Bank's own deposits, mobilized from both its members as well as the public, which are growing at a rate to support the expansion of the branch network. (Yunus, 2006) Grameen Bank gives income generating loans, housing loans, student loans (as well as scholarships) and microenterprise loans to the poor families. It has begun giving, in recent years, interest-free loans to beggars and reached by August 2006 more than 74,000 beggars across Bangladesh. Most distinctively, the bank is owned by its borrowers. Many external studies have been conducted on Grameen Bank, including a 1995 study by the World Bank, which have shown that Grameen Bank has reduced poverty among its clients, as well as in the villages in which it operates at large, increasing opportunities for the entire community. Grameen Bank itself regularly undertakes an internal survey which most recently has shown that 56% of its borrower families have crossed the poverty line by 2005 on the basis of ten indicators set by Grameen Bank to track impact of its program on the poor families that it serves. These 5 indicators, which include size of loan, amount of savings, housing condition, furniture in the house, provision of pure drinking water, sanitation and warm clothing, education of the children, etc., were developed by Grameen Bank as appropriate for the context in which it works. But Grameen Bank has not stopped there. To ensure that the next generation within the Grameen families can sustain the gains made by Grameen's members, the Bank is giving scholarships to children of members as a way of encouraging them to get better grades in schools, giving priority to the girl child. By August 2006, 31,164 children had received scholarships. Students who succeed in reaching the tertiary level of education also have the opportunity to take higher education loans. So far nearly 12,000 students have received such loans. Grameen Bank provides micro-enterprise loans, to those members who have been successful in building up their income generating activities quickly. More than 933,000 micro-enterprise loans amounting to US$ 316 million have been provided to support activities such as the purchase of trucks, power-tillers, irrigation pumps, transport vehicles, river-craft for transportation and fishing. Another very significant innovation of Grameen Bank has been in the field of technology for the very poor. The Village Phone Program brings internet enabled mobile phones to the Grameen borrowers, making available the services of "telephone ladies" in more than half the villages of Bangladesh, usually where this service never existed in the past. Grameen's Village Phone Program is an example of how technology can create powerful change in the lives of the poor. By August 2006, there are over 250,000 telephone ladies selling telephone services who run very profitable business with these phones. Many of these phones are being powered by solar power, provided by Grameen Shakti, because electricity does not exist in those villages. Grameen has also begun 6 to provide internet services through mobile phones. Other Grameen companies have been created to bring both information technology and education to the poor people of Bangladesh and build IT capacity in Bangladesh. In 2006, Grameen has teamed up with Danone Foods, a leading global foods company, to bring nutritious and affordable foods to the poor families in rural areas, through a social business enterprise called Grameen Danone Foods. The first production unit, currently being established in Bogra, north of Dhaka, is set to begin operation in November to produce a nutritious dairy product for children. Thus, Grameen Bank not only provides financial services to its members, but with the rest of the Grameen family of enterprises has been working to meet the diverse economic and social needs of its clients. It has strategically used its existing network and infrastructure to bring a host of opportunities to its members, their families and to the communities in which the members live, demonstrating that microcredit can be foundation stone on which poor people can build better futures for themselves and their families in a wide array of ways. In Bangladesh today, Grameen Bank and other large and small microcredit programs are estimated to reach 15 million poor families by the end of 2005, making it the most saturated microcredit market in the world. Capturing the Spirit of Microcredit By and large the programs in Bangladesh, and many of the microcredit programs around the world, have followed the group based approach of Grameen Bank. It is therefore useful to look at what are the main features of Grameen Bank to understand how this approach has spread so rapidly in Bangladesh, and increasingly around the world. 7 At Grameen Trust more than exact replication of every feature of Grameen, the emphasis is for programs to capture the philosophy and spirit of Grameen Bank's program. Grameen operates on the assumption that poor people have skills which remain unutilised or under-utilised because of lack of opportunity. Professor Yunus says "If we can unleash the energy and creativity inherent in each human being, only then can we eliminate poverty. Poverty is not created by the poor; rather it is created by the institutions and policies which surround them. To reduce poverty in a sustainable way, we have to make appropriate changes to existing institutions and policies, only then can we eliminate poverty." Grameen created a user friendly methodology and institution around the financial needs of the poor, and created access to credit on reasonable terms enabling the poor to build on their existing skill to earn a better income. This is the essence of microcredit as implemented by Grameen, and it is this spirit that needs to be preserved when projects are replicated. Core Features of Grameencredit From this philosophical starting point, we can turn to the practical aspects of implementation of microcredit. Professor Yunus in his article entitled "What is Microcredit?" (Yunus, 2004) outlines the core elements of Grameencredit that have made it effective in reducing poverty in Bangladesh, and which distinguishes it from other types of finance. It is worthwhile to reproduce the general features of Grameen microcredit, as seen by its founder: "General features of Grameencredit are: (a) It promotes credit as a human right. 8 (b) Its mission is to help the poor families to help themselves to overcome poverty. It is targeted to the poor, particularly poor women. (c) The most distinctive feature of Grameencredit is that it is not based on any collateral or legally enforceable contracts. It is based on "trust", not on legal procedures and system. (d) It is offered for creating self-employment for income-generating activities and housing for the poor, as opposed to consumption. (e) It was initiated as a challenge to the conventional banking which rejected the poor by classifying them to be "not creditworthy". As a result it rejected the basic methodology of the conventional banking and created its own methodology. (f) It provides service at the door-step of the poor based on the principle that the people should not go to the bank, bank should go to the people. (g) In order to obtain loans a borrower must join a group of borrowers. (h) Loans can be received in a continuous sequence. New loan becomes available to a borrower if her previous loan is repaid. (i) All loans are to be paid back in installments (weekly, or bi- weekly). (j) Simultaneously more than one loan can be received by a borrower. (k) It comes with both obligatory and voluntary savings programmes for the borrowers. (l) Generally these loans are given through non-profit organizations or through institutions owned primarily by the borrowers. If it is 9 done through for-profit institutions not owned by the borrowers, efforts are made to keep the interest rate at a level which is close to a level commensurate with sustainability of the programme rather than bringing attractive return for the investors. Grameencredit's thumb-rule is to keep the interest rate as close to the market rate, prevailing in the commercial banking sector, as possible, without sacrificing sustainability. In fixing the interest rate market interest rate is taken as the reference rate, rather than the moneylenders' rate. Reaching the poor is its non-negotiable mission. Reaching sustainability is a directional goal. It must reach sustainability as soon as possible, so that it can expand its outreach without fund constraints. (m) Grameencredit gives high priority on building social capital. It is promoted through formation of groups and centres, developing leadership quality through annual election of group and centre leaders, electing board members when the institution is owned by the borrowers. To develop a social agenda owned by the borrowers, something similar to the "sixteen decisions", it undertakes a process of intensive discussion among the borrowers, and encouraging them to take these decisions seriously and implement them. It gives special emphasis on the formation of human capital and concern for protecting environment. It monitors children's education, provides scholarships and student loans for higher education. For formation of human capital it makes efforts to bring technology, like mobile phones, solar power, and promote mechanical power to replace manual power." These elements of Grameen Bank work together to make it an effective and sustainable institution geared exclusively to the needs of the poor. 10 Replication in Practice As Professor Yunus states in his article not every Grameen type program has to have all the features mentioned above. Some programs may emphasize some of the features, while others may emphasize other features but, on the whole, they share many of these basic features to distinguish them as Grameen type programs. Since 1989, Grameen Trust (GT) has played a role in promoting the set up of Grameen type microcredit programs in Bangladesh and elsewhere. GT was created in response to an international interest in learning from Grameen. It began by providing training but over the years, has been providing a host of support services to organizations to help set up microcredit programs around the world which range from financial support to technical consultancy to training programs and workshops, to publications related to replication. By June 2006, GT partners had collectively reached more than 3.14 million poor families with microcredit in 37 countries in Asia and the Pacific, Europe and Africa, and the Americas. At Grameen Trust, replication of Grameen refers to the adoption by organizations of Grameen's set of inter linked principles and procedures that delivers credit cost effectively to the poor as a means to reducing extreme poverty. While programs may adopt these practices, most microcredit projects face problems at different stages of their development. A number of problems may arise during the experimental stage, others develop during program development and implementation, and still others develop even after a program has been running for many years. 11 While there is no easy formula that produces quick results, projects that have been able to scale up their programs to reach large numbers of poor people, reduce poverty and progress towards sustainability in many different settings, share the following features: Focus on the bottom poor, especially women Experience has shown that poor women prove to be better microcredit clients than men. Poor women tend to use their loans for income generation rather than consumption. They are therefore better able to keep up with weekly payments. This is so because they tend to invest the gains that they make from credit into meeting more effectively the needs of the family. In other words women prove to be more effective agents of change and development. Among Grameen Trusts 137 partner organizations, 94% of the clientele are women. It is important to target the program from its outset at the most poor segment of the community. It is often assumed that those who are not the very poor would be less likely to default than the very poor, when the exact opposite is true. Since those who are not very poor have alternative sources of income, experience shows they are most likely to default, usually because they do not want to keep up with the rigors of a microcredit program. The poorest on the other hand work hard to keep their credit line with microcredit program open, since the terms are much more reasonable than loan sharks from whom they normally have to borrow. Nearly all of the replications begin operations in areas where few organizations have worked before and with a target group that has been left out most development programs. There is therefore frequently suspicion of a program's motives. The management and staff of microcredit program have to work hard to persuade the really poor to join the program, and when they do, to stay with the program. Thus, motivation of potential members of the 12 program becomes an important aspect in including the very poor in the microcredit program. Procedures that Suit the Poorest Women 1. Microcredit programs are successful because they tailor their programs to meet the needs of the poor in a variety of ways. There are many elements that contribute to loan conditions and procedures that are suitable for the poorest, but most important among these is that no collateral or external guarantee is required. This has been the feature that has enabled the poorest people to participate in microcredit programs. The self selection and screening that members themselves perform replaces the need for collateral by ensuring that reliable people are brought into the program. 2. A second very important element is banking at the doorsteps of the very poor. In most poor countries, the poorest women are unable to travel long distances or even out of their villages. Grameen Bank and other microcredit programs have succeeded in bringing poorest women into the fold of the program by delivering the financial services to their doorsteps, which makes it both convenient and safe for the members. Added to this, the fact that procedures are simple and transparent makes it easy for poor women to participate, particularly since many are illiterate. 3. It is important for the initial loans to be small, which grow bigger as the poor member gains the capacity to repay. Ensuring that the member herself chooses the economic activity that she is going to undertake is also key to helping the activity succeed, as they build on skills that the women already have. 4. Frequent repayment helps poor women not feel the burden of having a loan as much, since the amount of installment, usually weekly, are small and manageable. 13 5. Members become eligible for larger loans as they repay each loan successfully, as part of a process that would enable her to eventually overcome poverty over a five to ten year period. This also serves as an important incentive for the members to stay with the program. 6. Savings form an essential part of microcredit programs. Voluntary savings that the poor can withdraw in times of need is important, while compulsory savings component which can be withdrawn during times of need provide a safety net in an emergency. Group Responsibility and Ownership A very important factor in maintaining the cohesiveness within the membership of the program is for the members to choose each other themselves as well as for them to select their own loan activity. Microcredit projects, often to speed up the process of forming groups and centers, will select the borrowers. But this prevents the sense of collective ownership and responsibility from developing. Groups of five works best at Grameen Bank because it allows interaction and easy management. Many programs undertake staggered disbursement of loans, and selecting other members of the group from among people they know, all of which help peer pressure and support to come into effect. If the microcredit program allows the group members and center members to solve their own problems themselves this would members feel that they own the program over time. Quality of Leadership and Organizational Capacity The vast majority of problems that arise during set up phase of microcredit programs do so because there has not been adequate preparation to implement the microcredit program, or there is not a complete understanding or training of the principles of microcredit. Since implementing microcredit is a difficult task, committed leadership is an important requirement; that is leadership that will see the project through the inevitable teething problems 14 that arise. Where there is a full time CEO and a full time trained staff to support the CEO, there is greater likelihood of success. Many projects are abandoned early because of a lack of these, leading many to conclude that microcredit is not in fact replicable in certain contexts, when the reality is that real efforts at replication were not made. Problems arise when there is inadequate training of staff; that is when the philosophy and practices of microcredit are not properly assimilated. Although it may not be possible for microcredit projects to provide the rigorous 6 month practical training that Grameen Bank gives to its staff, an immersion training program at Grameen or other microcredit programs appears to be important for success. There is already a great deal of expertise within established microcredit programs which may be tapped to avoid making costly mistakes. The core of the training of microcredit program staff is immersion training with exposure to field-level operations, understanding the principles on which the operations are based, and learning by doing. Monitoring, Reporting and Effective Management Experience among microcredit programs has shown that close supervision of field staff by management is important especially at the outset. If the branch managers spends long hours in the field with field staff, morale among both field staff as well as borrowers will remain high. At the members' level, staff interacts frequently with members and carries out frequent checks to see if members have used their loans and for the purposes that they stated when they applied for the loan, providing guidance and support to the members throughout. This close relationship and interaction, as well as the spot checks, take place more intensively at the 15 outset, when the groups and centers are initially established and can become less frequent as members repay reliably and a track record is set. Weekly and monthly reports by the microcredit projects generally include statistical and narrative sections which can be tracked especially to pick up early warning signs such as missed payments as well as missed attendance at meetings, which is often a precursor to missed installments. Computerization for microcredit programs such as Grameen Bank that have introduced it, helped this process tremendously, and significantly brought down the cost of monitoring. An important feature of successful replications of Grameen is transparency of the programs and disciplined organizational practices. Procedures are simple and financial transactions take place in front of borrowers. Reasons for granting or rejecting loan applications are openly discussed in meetings. It is clear that the frequent and close interaction between the staff and the members is crucial for the success of the program since transactions are based on human relationships rather than any legal contract. Taking banking services into remote villages is an exacting task, so field staff and managers should be well trained and well paid. Microcredit programs should especially be vigilant about keep excesses such as those seen among MFIs in Andhra Pradesh in recent months to a minimum, and enforcing effective disciplinary procedures as needed. Sustainability While most microcredit programs begin with grants, eventually these will not be enough to fuel their expansion. While Grameen Bank attracted a 16 great deal of international funding in the early years, microcredit programs today compete for much scarcer donor funds. Thus, the management of microcredit programs has to be very creative in organizing funding for their expanding programs. Ultimately the only sustainable way is through the mobilization of savings or to borrower from commercial financial institutions and markets. For the former, most microcredit programs will have to transform into formal financial institutions, for the latter they have to become efficiently run profitable institutions. From Grameen Trust experience funding shortage appears to be for the main constraint for the expansion to reach large numbers of the poor. Thus microcredit programs should plan to reach financial self sufficiency within a five to eight year period. For this, it has to have a clear business plan towards this. It would also require staff with financial expertise to plan and implement these plans. It is important for microcredit programs to be run professionally and in a business like way following clearly formulated business plans, especially as they seek funds from commercial sources and donors. To become sustainable at an early point, it should become more efficient e.g. in terms of staff productivity, reducing costs, increasing outstanding loans, keeping a nearly 100% repayment rate, diversifying loan portfolio, charging appropriate interest rate to enable it to cover its costs and to attract savings. To attain sustainability, focus on these issues is key. As of mid 2006, 44 of GT's partners have achieved operational self sufficiency and 36 of its partners have achieved full financial self sufficiency. Necessary conditions and issues 17 The last two decades have shown that there are certain preconditions that need to be met particularly with regard to the institutionalization of microcredit. Certain factors can facilitate or impede the implementation of microcredit. These issues include appropriate socioeconomic characteristics of the context where implementation is taking place, legal and policy framework, and funding mechanisms for support of microcredit. Socioeconomic characteristics Microcredit has been found to work better in areas with better infrastructure, relatively easy access to markets and where there is a high density of poor people. Legal Status One issue faced by replicators at the outset is that of an appropriate legal status for the operation of microcredit program. Grameen Trust partners have been variously registered as trusts, non-government organizations, semi-government organizations among others. Generally NGOs have been more successful throughout Asia in replicating the Grameen Bank than government agencies, but there are constraints that NGOs face such as not being able to mobilize savings, which is key to becoming sustainable. NGOs also find it difficult to raise funds from commercial sources, set realistic interest rates and so on. Grameen has been advocating that NGO microcredit programs be allowed to mobilize deposits but only from their members and not from the general public. If this is allowed then the microcredit program can raise all of the resources it needs from local sources. A proviso may be added that the 18 amount of borrower's deposits that can be mobilized should equal to a certain percentage of the loans outstanding of the microcredit program, for example 75%. Ultimately however microcredit programs should have the option of converting into microcredit banks. Wholesale Funds Before microcredit programs can become banks, an intermediate source of funding for microcredit can be wholesale funds. Donor funding for microcredit programs has been shrinking over the years. Increasingly donors are insisting that microcredit programs become financially self sufficient so that they can attract funds from commercial sources. In the period between start up and reaching that stage, however, microcredit programs do require easily accessible funds for expansion and on reasonable terms. One reason that microcredit programs have expanded so rapidly in Bangladesh is due to the Palli Karma Sahayak Foundation (PKSF) which is a wholesale fund. Such wholesale funds, which provide concessional funding as well as technical assistance, and can be an important intermediary source of funds before microcredit programs are able to gain access to commercial funding sources, or are able to become microcredit banks themselves and mobilize enough deposits to finance their loan portfolio. Legal and Regulatory Framework for Microcredit Since microcredit is a very different kind of business than regular banking, Professor Yunus has been arguing that a separate legal framework, as well as a separate regulatory body in the form of a Microcredit Regulatory Commission, be created in each country where microcredit operates. Since microcredit programs implemented by NGOs eventually have an identity crisis about the appropriate legal form that they should assume as 19 they scale up, the legal framework for microcredit would primarily enable the creation of microcredit banks. The Microcredit Regulatory Commission would then monitor the activities of the microcredit banks. Professor Yunus argues that the regulatory commission should work closely with the central bank but that it is important for it to be separate since microcredit is so different in character from regular banking. The law for microcredit bank would encourage NGOs to convert into microcredit banks. NGOs could have the option of converting one or more units of their programs into microcredit banks, and eventually all of their operations as they gain comfort in the formal financial world. Professor Yunus argues that the role of the law and the regulatory body would be to make it as attractive as possible for NGOs to convert to banks and not something that they find uncomfortable or threatening. In addition to NGOs converting to microcredit banks, microcredit programs from their initiation may be established as microcredit banks. The law should define clearly what a microcredit bank is in terms of: - clear definition of microcredit (e.g. condition of no collateral, small initial loan size etc) - the target group to be reached (e.g. bottom 25 per cent of the population or those on less than a dollar a day) 20 - preference given to poor women. - no upper limit for microcredit since loan sizes grow as borrowers' business grows. - permission for microcredit banks to mobilize deposits from both borrowers and the public, with maximum amount of deposits to be mobilized to be related to the amount of loans outstanding of the organization. The role of the Microcredit Regulatory Commission as Professor Yunus sees it is not to over-regulate but rather enable microcredit banks to innovate and grow. Since the banks are designed to help the poor, the commission should not control to the extent that microcredit banks' expansion is not limited. Several Grameen Trust partners such as CARD in the Philippines, CSD in Nepal, Nirdhan Utthan Bank Ltd in Nepal, NSSC in Nepal and YDBP, Indonesia have converted into banks, and so overcome the problem of mobilizing savings. Interest Rate An important aspect of the issue of regulation is that there should be no restrictive laws limiting the interest rate to be set for microcredit banks. In general, microcredit banks charge interest rate higher than that charged by commercial banks because of the relatively higher cost of administering small size loans. Professor Yunus says practitioners could follow the rule of thumb that the interest rate should be kept within 5-10 percent above commercial rate, and no more than that. 21 In any case, there should be full disclosure to the borrowers and to the public, of the interest rates being charged and how it is calculated. Mechanisms for Transfer of Microcredit Technology Many global initiatives have been established to spread microcredit. Grameen Trust is an international wholesale fund that was created in 1989 to provide support to start Grameen replications in other countries. Grameen Trust started providing start-up money for projects all around the world since 1991. Grameen Trust provided seed funds for on-lending as well as for operations, training, and technical assistance which enabled these projects to establish their programmes, build track records, and eventually source funds locally and internationally. The performance, to date, in terms of outreach, repayment rate and impact of the replication projects supported by Grameen Trust has been encouraging. The principles of Grameen Bank have been applied successfully in varying degrees to countries and Africa, Asia and the Pacific, Latin America with very different cultural, socioeconomic and demographic characteristics. Funded by donors to date, Grameen Trust has supported 138 programs in 37 countries in Asia and the Pacific, Africa, Latin America and Europe. GT has approved more than US$ 21 million as loans to these partner organizations, who in turn have disbursed US$ 1.57 billion to more than 3.14 million poor borrowers, 94% of whom are women. If we assume that each family has five members, then GT's support has impacted 15.70 million very poor people in these countries. Most of GT's partner organizations report near 100% repayment rates. 22 It has also played a role in advocacy working with donors and governments of other countries to establish an environment that is friendly to microcredit, providing on input on development of legal framework for microcredit in countries such as Kosovo and Turkey, among others. Other organizations and networks that are involved with promotion of microcredit around the world include CASHPOR, Grameen Foundation, FINCA, and ACCION through funding, advocacy, training and technical assistance or a combination of these. FINCA emphasizes examining and learning about a given culture before it sets up operations. For instance, because there are myriad restrictions on charging interest in Afghanistan, FINCA has adapted its methodology and will, instead, use an upfront fee-based model, deducting a percentage from the overall loan amount, rather than charging interest on loans. ACCION has expanded its microlending operation to countries throughout South and Central America, the United States, Africa and India BOT: an effective approach In a different type of program, Grameen Trust also goes into a country to create a microcredit program directly on the ground with experienced staff from Grameen Bank, under a Build-Operate-Transfer (BOT) contract. Grameen Trust staff set up the program, recruiting and training local staff. This is a very efficient approach which shows good results and can be scaled up quickly. The program can be started quickly, and since it is implemented by highly trained staff, many risks and uncertainties can be overcome. Lag time between a decision to start a program and implementation is minimal. BOT approach can and has contributed to rapid expansion of microcredit in areas where it doesn't exist. Grameen Trust set up successful BOT projects in Turkey, Myanmar, Kosovo and Zambia over the last nine years. This year it has embarked on directly implemented programs in Costa Rica and Guatemala financed by the Whole Planet Foundation. 23 The program in Myanmar reaches nearly 95,000 members since it began in 1997 in delta region of Myanmar and has been handed over by GT back to UNDP which financed the program. The BOT project in Kosovo which serves families affected by the conflict in Kosovo has reached nearly 6,000 families since the year 2000. The project in Turkey has reached 3,453 members since it started in 2003. The Zambia project reaches more than 2,200 members, and the Costa Rica and Guatemala projects which began in 2006 are each serving more than 500 members. In July 2006, a small BOT project in tsunami affected Aceh in Indonesia was initiated by Grameen Trust, which will see replication of Grameen in a disaster stricken area. Grameen Trust has also undertaken a fact finding mission to Assam in impoverished Northeastern India to explore possibility of beginning a BOT project there. Negotiations on extending BOT programs in other countries in Latin America, Africa, and even the United States are currently underway. This approach has been effective in circumventing the need for expensive training in Bangladesh, because training take places on site as the project is implemented. In the case of BOT projects, more easily obtained permission for easy transfer of funds, opening of bank accounts, and easier international movement of trained personnel with specialist knowledge would greatly facilitate the process of setting up these programs. Adaptation and Innovation: Examples of Replication in Other countries 24 Of course many projects have to modify or adapt the group based system to effectively ensure the participation of the poor. The process of adaptation is something often that is achieved as the project is implemented. Adaptations become necessary in certain contexts. Grameen Trust's BOT project in Kosovo collects installments on a bi-weekly basis instead of on a weekly basis. Pro Mujer in Bolivia provides 4 month loans rather that one year loans because it fits better with the economic activities that the members undertake. In China, microcredit programs implemented of the Rural Development Institute of the Chinese Academy for Social Sciences work in poor mountainous areas which incurred high costs for the program at its outset especially of time for both staff and members as the branch office is located a great distance from the centers. These programs now implement the microcredit program with the help of village based part time assistants to conduct center meetings and carry out collections and bring them to the branch once a month. CARD Philippines introduced innovative adaptations to suit the Philippine context, such as the adoption of rural bank status under central bank supervision; vigorous mobilization of voluntary savings; the provision of differentiated, profit-making loan and insurance products; and a broadening of the clientele to include poor and non-poor depositors, while adhering to its mission of lending to poor women only. Grameen Bank itself has modified its program and products over the years to meet the changing needs of its clientele adding many new loan products, savings products, pension schemes, insurance schemes among others. The process of innovation works best as it happens spontaneously in response to needs of the clientele that the institution is serving. 25 Many microcredit programs now replicate Grameen Bank as it is today, rather than the classic Grameen and leapfrog to include newer features of Grameen Bank's program. For example, Grameen Foundation is working with local microcredit institutions in Uganda to replicate the Village Phone Program. Similarly Grameen Trust is now replicating through its partners in Bangladesh, Grameen Bank's Beggar Program. Conclusion It is useful to see that Grameen Bank itself came about through a process of replication. Professor Yunus talks about replicating the second group in GB from the initial group. If you have one group then the project has begun. A second group replicates the first group. The organization forms one centre of eight groups through a series of replications. When you form your second centre, you replicate the first and so on. Although there are certain essential features, practitioners are successful if they have necessary freedom for innovation to deal with problems at the branch level. Innovations work best when they are not imposed from the top, but rather are developed in response to realities faced by members as they implement their micro economic activities. One thing that Grameen resource persons observe at projects that they visit projects in different countries is that nature of poverty is similar in most places and the poor respond in similar ways. Women, no matter how poor, it is found, are good savers and borrowers. It is argued by some that all poor people are not entrepreneurs and cannot benefit from microcredit. However, poor women everywhere have a common drive and desire to improve the conditions of their families so that their children can have a brighter future than their own. Exposure to entrepreneurship can encourage enterprise. This has been demonstrated 26 very strikingly in Bangladesh where women in rural areas have traditionally been very sheltered and in many cases have never handled money in their lives. These same women have gone on to become successful entrepreneurs. Microcredit programs create a counter culture in the communities in which they works. Leaders of microcredit institutions know that it is a process. It takes time, especially in the initial stages. They need to have a guiding long term vision of what the institution wants to achieve. Staff members need a lot of courage, innovation, and a sense of responsibility and commitment to realize their goals. But it can be done. 27 Bibliography Written Sources: Yunus, Muhammad, 'Microcredit: Banking With the Poor Without Collateral', presented at SAARCFINANCE Governors' Symposium on Microcredit, Dhaka, 2006 Yunus, Muhammad, 'What is Microcredit?', Grameen Bank, Dhaka, 2003 Yunus, Muhammad 'Some Suggestions on Legal Framework for Creating Microcredit Banks', Grameen Bank, Dhaka 2003 Gibbons, David ed.. The Grameen Reader 2nd edition, Dhaka: Grameen Trust, 1994. Seibel, Hans Dieter and Torres, Dolores 'Are Grameen Replications Sustainable, and Do They Reach the Poor? The Case of CARD Rural Bank in the Philippines', 1999 Morshed, Lamiya. "Experiences of International Replication of the Grameen Bank Approach: Problems & Solutions", presented at UNDP Workshop on Microcredit in the Pacific , Goroka, PNG, 1997 Grameen Trust Monthly Report, Grameen Trust, Dhaka, June 2006 Grameen Bank Monthly Report, Grameen Bank, Dhaka, August 2006 Grameen Bank At A Glance, Grameen Bank, Dhaka, 2006 Web sources: www.grameen-info.org (last accessed: 20 September, 2006) 28
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The Castaways
from £65 / night help
Estimated nightly price based on a weekly stay. Contact the advertiser to confirm the total cost.
Availability Your dates are available
House / 3 bedrooms / sleeps 4
|Key Info
The property, formally a restaurant, has been tastefully restored and converted into two beautiful holiday Cottages. Both Cottages enjoy all modern conveniences whilst remaining full of character. The Castaways has three bedrooms and sleeps 5 whilst Penrhyn Mawr Cottage, which sleeps 4, has an upstairs lounge with stunning views across the Menai Strait and the Snowdonia Mountain range down to the Llyn Peninsula. Together, the properties offer high quality accommodation for up to 8 people; ideal for 2 families who want to holiday together and yet maintain their individual privacy. Each property has its own private garden with table, chairs and BBQ. The Beautiful sandy beaches, Riding Centre, Anglesey Sea Zoo, Foel farm, Golf driving range and many other fabulous attractions are just a short drive away.
Saturday to Saturday bookings. Late availability and out of season stays - minimum of 3 nights.
|Sleeps up to 4, 3 bedrooms
|Car advised
|Family friendly
|Suitable for children over 5, Suitable for people with restricted mobility
|Pets welcome, No smoking at this property
Features and Facilities
|Log fire, DVD player
|Central heating, TV, Satellite TV
|Kettle, Toaster, Iron, Hair dryer
|Clothes dryer, Dishwasher, Cooker, Microwave, Fridge, Freezer, Washing machine
|3 bedrooms
|High chair
|Private garden, BBQ
|Further details
Please check the calendar, which is kept up to date, for current availability.
Bookings are normally from Saturday to Saturday from 3:00 pm on the day of arrival to 10:00 am on day of departure. This is to allow sufficient time for our cleaners to prepare the accommodation properly between lets. Shorter breaks available out of season based on a minimum stay of 3 nights.
Booking: A provisional booking may be made by telephone or e-mail but must be confirmed in writing within 7 days.
Payment: A deposit of £50 is required to confirm a booking. The balance is due 3 weeks before the date of arrival.
About this location
The North Wales region
Beyond the mountains of Snowdonia lie 2 famous bridges across the Menai Strait. They lead to an island where peaceful lanes wind to lakes, forests and long, sandy beaches. It is easy to imagine past centuries - druids cursing the Roman invaders, archers loosing arrows at castle battlements, or tall ships sailing up the Menai Strait from a voyage around Cape Horn. However, Anglesey does not live in the past. It is a centre of modern Welsh culture and language which offers a welcome to people from all over the world. Many visitors come to Anglesey for family holidays, to sail, walk or fish, to explore rock pools or watch birds. It is an unspoiled island, to relax and enjoy the peaceful farmland, pretty villages historic towns and the panoramic views of the mountains and the sea.
The accommodation is situated off the A4080 about 2 miles from the village of Dwyran. It is also near to the renowned Newborough forest and beach of Llandwen. The village of Dwyran, with its 12th Century parish church, is largely residential and is sited on the South bank of the Afon, a small river that takes its name from Brigantia, Goddess of the ancient Celts. Just outside the village is the Anglesey Model Village where many of the Island's landmarks are recreated in miniature. South of Dwyran, lanes lead through woods and fields to the Menai Strait. Visit Tal y Foel Riding Centre and other attractions such as the Anglesey Sea Zoo, Foel farm, Golf driving range and Henblas Country Park and glorious clean beaches just a ten minute drive away.
About the owner
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22 Jan 2015
"So remote, beautiful and tranquil, quite unique."
Well presented, lovely welcome gift, reasonably priced.Area quiet and unique, Newborough beach stunning, fantastic haven for wildlife.… More
15 Jun 2013
"An oasis of peace and tranquility"
We have stayed at Castaways on 2 occasions and just booked a return trip, which is testimony to how much we have fallen in love with this cottage and the surrounding area. From the welcoming arrival with a pot of tea and cake , to the cosy warmth of the cottage, lovely peaceful garden and fantastic location this cottage cannot be beaten. its a place that we often talk about with fond memories of great weekends away.
7 Jun 2013
"Home from home"
We were looking for a secluded, dog-friendly home from home in a scenic location and found it. Luckily for us there was availability for Whit Week. I fired off a few emails to Clare with various quest… More
I am delighted that you enjoyed Penrhyn Mawr and thank you for your kind words. It is a pleasure to share our home and I do hope you visit is again for more of that ' home from home' and peace and quiet.
2 Nov 2012
"A little piece of heaven on earth..."
Beautiful, traditional country cottage in the most idyllic Anglesey setting. Full of character, spotlessly clean, comfortable...a real home from home. Very peaceful location and surrounded by wildlife… More
31 May 2012
"Idyllic location and delightful accomodation"
My husband & I had a lovely holiday in Anglesey and The Castaways was the perfect place to stay. We had orginally booked for 6 days and then decided to stay on for another 5 as we couldn't bring … More
This advert is created and maintained by the advertiser; we can only publish adverts in good faith as we don't own, manage or inspect any of the properties. We advise you to familiarise yourself with our terms of use.
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Clare B.
- 3 Years listed
55% Response rate
Calendar last updated:27 Mar 2015
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Hazel Pomeroy
BELMONT - Hazel Morris Pomeroy, 91, passed away peacefully in her sleep on Feb. 19, 2013, at Alexandria Place, Gastonia
A native of Keokee, Va., she was a daughter of the late Nicholas and Hattie Morris of Keokee, Virginia.
In addition to her parents, she was preceded in death by her husband, Ralph Worthy Pomeroy. Hazel also had 6 sisters and 2 brothers, all of whom predeceased her except Oka Jean Shuler of Garden City, Michigan. She was a loving mother, grandmother, great-grandmother and sister whose primary purpose focused on her family. She had 23 nieces and nephews and numerous grand-nieces and grand-nephews. Hazel spent a majority of her working career as a dietitian in the Warren County school system.
A lifelong Methodist, she was a member of Happy Creek United Methodist Church in Front Royal, Virginia. For the last 10 years of her life, she had been living in Belmont, North Carolina and leaves behind many friends at Woodlawn Haven Assisted Living facility where she was loved and cared for by staff and residents alike.
She is survived by her son, Ralph Steven Pomeroy, wife, Jeanne and grandsons, Brian and Corey, great-granddaughter, Autumn and great-grandson, Alexander. Also survived by son, Barry Morris Pomeroy, wife, Tracy, granddaughter, Levacy (Nathan), great-granddaughters, Gracie and Sophie and grandson, Rudy (Gena), great-grandson, Braden and great-granddaughter, Ava.
Family will receive friends from 10 to 11 a.m. Thursday at Maddox Funeral Home with a memorial service following in the chapel at 11 a.m.
Interment will be in a private family ceremony at Prospect Hill Cemetery, Front Royal, Virginia.
In lieu of flowers, the family asks that contributions be made to the
Arrangements are entrusted with McLean Funeral Directors, Belmont.
Funeral Home
McLean Funeral Directors
515 North Central Avenue
Belmont, NC 28012
(704) 825-5301
Published in Gaston Gazette on Feb. 20, 2013


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Fard Muhammad
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"I can honestly say, if it was not for Minister Louis Farrakhan, the SCLC would be out of business."
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Autumn Crocus
HerbAugust 22, 2005
Autumn Crocus (Colchicum). At 8 a.m. with the sun behind them.
Image link:
Joan -
Here's the explanation (click below). They're also called "Meadow Saffron" - a dangerously misleading name if ever there was one, because they're very poisonous.
We have some Saffron Crocus too, but they flower at least a month later.


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Women's R-Gear
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Run, Walk, Play 12" Knee Short
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41 Valentine's Day Crafts: Valentine's Day Cards, Gifts and More
Bonus: Get our newsletter & special offers for free. We will not share or sell your email address. View our Privacy Policy
Valentine Flowers Gift Set
By: Heidi Borchers of Inspired at Home
We are adding the craft to your Craft Projects.
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Click here to view your Craft Projects.
Follow these instructions from Heidi Borchers of Inspired at Home to create a Valentine's Day gift set complete with embellished T-shirt, card and matching gift bag. This clever Valentine's Day craft uses fabric scraps for all the embellishments.
Materials: For one set
For each:
- Fabric scraps- assorted prints
- Fusible Web
- Letters ruler or guide (available in crafts or art supply stores)
- Dimensional Paints-assorted colors
- Patterns
For shirt:
- T-shirt- pink
- Cardboard covered with wax paper
- White lace trim: 21" lengths (or lengths to fit width of shirt), 2 lengths
- ½" wide and 2 lengths 1"- wide
- Aleene's O.K. to Wash it Glue
For card:
- Paper medium weight- pink
For gift bag:
- Gift bag small
Wash and dry fabric scraps and shirt; do not use fabric softener in the washer or dryer. Fuse web to wrong side of fabric scraps. Transfer patterns to the paper side of the fusible web and cut out.
For shirt, place cardboard covered with waxed paper inside the shirt. Glue the 1 length of 1" wide trim across shirt front just below neckline. Measure down 1-1/8" from first trim and glue 1 length of ½ " wide trim across shirt front. Trim lace to fit shirt front as necessary. Let dry.
Referring to photo, fuse fabric pieces to shirt front. Embellish fabric appliqués and add lettering with dimensional paint. Let dry.
For card, fold paper in half widthwise. Referring to photo, fuse fabric pieces to card front. Embellish fabric appliqués and add lettering with dimensional paints. Let dry.
For Bag, referring to photo, fuse fabric pieces to bag front. Embellish fabric appliqués and add lettering with dimensional paints. Let dry.
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|Reviews for Troublesome Girl
| Fire-NA-Seapark chapter 20 . 3/24/2013
Oh my gawd! Is Tim never going to have sex with an adorable girl his age? And they can't keep their hands off each other? And he sings at work,now, a lot.
| Red Molly chapter 20 . 1/5/2013
Gorgeous and dry, as always. I can see Tim still trying to catch that feline... And I can understand his motivation too.
Poor AJ. Sad sad kid.
| Afia chapter 20 . 1/2/2013
AHHHH, an update! And a good one. I love that even in death Devil and Eden are causing consternation.
Thanks for writing and sharing it with us lucky readers!
| freshouttaideas chapter 20 . 1/2/2013
Brilliant ending. Thank you for it.
| SassyJ chapter 20 . 1/2/2013
Raylan Givens, Cat Whisperer... I love it. Seriously, this is good. You were inspired.
| freshouttaideas chapter 13 . 11/4/2012
I'm enjoying another read-through of this story and enjoying all over again the conversation between Vasquez and Tim and Reardon - the union state bit and the check for pants first. Loved it all. Awesome dialogue. You get just the right amount of edge to the characters without making them nothing but that edge. It's a great read.
| Afia chapter 19 . 10/11/2012
| WhatsGoingOn chapter 19 . 10/11/2012
| freshouttaideas chapter 19 . 10/11/2012
Well now. Didn't see that coming. Is someone going to get revenge? Or just pass over a murder investigation? Hmmmm...
| caught-offsides chapter 18 . 10/5/2012
loved the chapter! I can't seem to figure Eden out!
| WhatsGoingOn chapter 18 . 10/4/2012
Eden and Tim should just date, jusssssst sayinnn
| AndItsOuttaHere chapter 17 . 10/3/2012
Boyd and Johnny are dead on here, and Edie is smart about the Crowder men. Good for her.
| freshouttaideas chapter 17 . 10/2/2012
I like hearing Ava and Boyd talking like they've been in it a while now but Boyd is still way more gangster, as it should be. And I get why Boyd thinks she wouldn't like Evie, at least I see it in my mind.
And I like having another chapter to read. :)
| freshouttaideas chapter 16 . 7/30/2012
"She doesn't really want to fuck him. She wants to protect him." Oh, my, all the little boys in our lives. I've felt that statement before and with boys who weren't younger than me.
| Afia chapter 16 . 7/27/2012
Fantastic. I am absolutely hooked, waiting to see where you'll go next. I love wise Tim and cagey Eden and your cast of hapless criminals. Can't wait for the next update!


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Posts from Projects
Sweet Idea for Mother's Day! Make Customized Tags for Her Favorite Tea
DIY Design: Make a French Dot Constellation Table Runner!
Look! A Huge World Map (and Purple Table) in the Dining Room
Dining Room Inspiration
An Easy Way To Hang Kitchen Towels: Use Clothespins!
Kitchen Inspiration
You can hang your tea towels on bull clips, over-the-cabinet bars, or tucked into the refrigerator door handle. But here's another super simple idea if you have a little bit of free wall space: apply a strip of double-sided tape to the back of wooden clothespins, stick 'em on the wall, and clip your towels in.
10 New Cooking Projects You Absolutely Have to Try This Year
The Kitchn's Best of 2012
There's nothing better than a good project to get you through the post-holiday dog days of winter. One of these projects from the past year is bound to spark your interest. What about making a batch of fizzy sparkling cider? Or finally trying your hand at homemade pasta? Or mozzarella? Lots to do, lots to try, lots to discover!
Get It Together! 9 Tips & Methods for Organizing Your Recipes
I'm looking forward to having some free time around the holidays and, along with some much-needed relaxation, I'm planning on tackling a long-overdue project: organizing my recipes. If this time-consuming task has been on your to-do list, here are some tips for getting your recipe collection in order, whether you're using printed recipe cards, iPads, or a simple binder.
Home Brew Gifting: Design Your Own Beer Labels with the Beer Labelizer
Calling all home brewers: thinking of giving away a few bottles of your beer this holiday season? Make it fancy with a special label! The good folks behind the jam labelizer have devised a new label-making system especially for beer brewers.
Tabletop Decor: Turn Bowls Into Woodland Candle Holders
Burlap on the Thanksgiving Table
Dining Inspiration
Make Your Own DIY Painted Glassware
Dollar Store Crafts
Many times I've wanted to buy funky, specialty pieces of glassware from major retailers, but I always tell myself that it's silly to spend the money when they won't be everyday cups. But if I could make them for less, then maybe the thrifty devil inside of me could cut loose a little. Oh look, here's a tutorial that tells you how to make them!


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Mysore Zoo authorities are in the process of installing closed circuit TV cameras in the wake of complaints of theft of visitors' mobile phones. In all, 10 handsets were reported stolen in the zoo on Sunday. Only four persons have lodged police complaints. The thefts reportedly occurred around the anaconda enclosure.
More In: IN SCHOOL | Today's Paper


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Posted by Rachel Dines on February 26, 2010
If you are anything like us at Forrester, you probably got swept up in all the media coverage of the Bloom Box -- the clean energy fuel cell that is supposedly going to save us from all our energy woes. The technology is certainly impressive and will hopefully lead to significantly lower energy bills and carbon emissions down the road. And a number of Fortune 100 companies have bought into the Bloom Box, including eBay, Coca-Cola, Bank of America, FedEx, and Wal-Mart.
But is the Bloom Box suitable for the data center? No, for now. And here are two major reasons why…
First, the Bloom Box falls short of typical data center uptime expectations. Despite what was touted on 60 minutes, it turns out that Google has NOT in fact been using a Bloom Box to power one of their data centers, but instead has been using it to help power a portion of their Mountain View campus. In fact, Google reported that the Bloom Box only provided 98% uptime which would not acceptable for even a Tier 1 data center. So unless you plan on using your backup generators a lot more frequently, the notion of weaning your data center of the electricity grid is not foreseeable.
Posted by James Staten on February 24, 2010
If anyone doubted CA Inc.'s intention to get into the cloud computing market, you can't get away with that skepticism anymore. This company is serious. Its acquisition of early cloud leader 3Tera takes their nascent cloud entreaties to an entirely new level.
Posted by James Staten on February 23, 2010
Geographic location plays a significant role in establishing data protection obligations in the cloud. And while many cloud services originated within the US, growing demand, global competition, and practical business models drive vendor proliferation of cloud services hosted across diverse geographic locations.
Posted by Robert Whiteley III on February 19, 2010
I just bought tickets to Dallas.
Ok, that in and of itself is not a big deal, so bear with me. Unfortunately, flying is part of the job and I log about 150,000 miles a year. That means I see lovely DFW about once a month.
Posted by JP Gownder on February 9, 2010
My colleague on our Customer Experience team, Vice President Moira Dorsey, has written a major piece of research that I think consumer product strategists should read.
The report, "The Future of Online Customer Experience," has huge ramifications for how not just customer experiences will work, but indeed predicts the future of most consumer computing experiences. I urge clients to read the report itself. Moira has blogged about her report here.
Product strategists should take away (at minimum) the core of her model, called CARS: Online (and computing experiences in general) will be Customized, Aggregated, Relevant, and Social. Let Moira know what you think!
Forrester's Forums For Technology Leaders
April 27-28, 2015 — Orlando »
June 2-3, 2015 — Lisbon »


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Shut Down
Highway 24, BART Stations, Amtrak Shut Down As Protesters March Through Oakland & Berkeley For 4th Night
Protesters marched through Berkeley for a fourth night in a row in the latest demonstration over the deaths of Eric Garner and Michael Brown during confrontations with police. The protesters ended up in Oakland and prompted a closure of Highway 24.
Fed Up Parents Want To Shut Down A Berkeley Pot Club Because The Neighborhood Reeks Of Marijuana
Some Berkeley parents are tired of marijuana 'contact' fumes wafting into their yards from a nearby pot club. They want the city to do something about the "40 Acres Collective" operating out of a building on San Pablo Avenue.
Object Prompting Shutdown Of Highway 12 Near Fairfield Not A Bomb, Was Tube For Geocaching
A prize from a scavenger hunt looked like a possible bomb to highway work crews and prompted the California Highway Patrol to shut down state Highway 12 at Interstate Highway 80 near Fairfield Tuesday afternoon, a CHP officer said.
BART Dublin Station Reopens After Police Detonate Suspicious Package Deemed Harmless
BART's Dublin/Pleasanton station has reopened after a suspicious package found on the platform was detonated and deemed harmless Friday morning.
Seaport Blvd In Redwood City Reopens After Big Rig Crash
A main road in Redwood City has fully reopened after a big-rig crash early Thursday morning.
California-Based Corinthian Colleges Selling 85 Campuses Under Deal With Feds
The troubled for-profit education company Corinthian Colleges Inc. and the Education Department reached an agreement late Thursday that has 85 of the company's 100-plus campuses going up for sale, and 12 others closing.
Overturned Big-Rig Closes I-80 On-Ramp In Vallejo
An overturned big-rig has closed an on-ramp to westbound Interstate Highway 80 in Vallejo Wednesday afternoon, according to the California Highway Patrol.
San Francisco Officials May Close 'World's Crookedest Street' To Cars
The San Francisco Municipal Transportation Agency is now considering shutting down Lombard Street between Larkin and Leavenworth Streets on weekends to improve general safety in the area known to attract tourists on foot and in cars.
SF Bar Allegedly Charging Extra For Female Company Shut Down
The California Department of Alcoholic Beverage Control Thursday closed a San Francisco bar for 45 days, alleging that patrons were being charged a surcharge on drinks in return for female company.
Blockbuster Throws In The Towel
The DVD-rental chain will close down its remaining US stores and curtail its DVD-by-mail rental service…


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|Getting Together & Going Paddling
|New Topic
|Printer Friendly Version
Not referring to you.
Posted by: emanoh on Jul-31-13 8:31 AM (EST)
The guy from Findlay posted, I repled on the board and in a PM and never heard from him. I just don't get why people post looking for info and then never respond or return to their original post.
Sounds like you have a lot on your plate and getting on the water is a lower priority. Good Luck.
Women's PFDs
Kayak Sak
PFD's (Life Jackets)
Rescue / Throw Bags
Classic Freestanding Rack
|Table of Contents


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Does cilantro really work?
A while back, someone posted on this forum that planting cilantro next to, or among tomato plants will keep all of the hornworms away. I need to know if this really works. I love cilantro enough, but it's the LAST thing I want near my plants when I'm trying to attract the sphinx moths/larvae!
Still, if this truly does work, I want to know as I have friends who don't want the sphinx larvae in their gardens. Maybe I could actually get some if everyone else uses cilantro.
If cilantro were a sure way to prevent hornworms and that became known to the world, what a day that would be.
But my take on the situation is that many folks plant this or that herb or flower and say it does this or that, as in companion planting,and while something may work for one, it doesn't for another.
If someone sat down and planned some experiments where they actually used controls and also planted test crops in areas where the pest is KNOWN to exist, that would be a wonderful addition to the body of what I call, in general, anecdotal information.
Good points, Carolyn. I can conduct an experiment maybe next year. Unfortunately, the obvious lack of sphinx moths over here, is not helping.
It's just that I would like to know that cilantro [or any other companion plant] would work so that anyone NOT wanting manducas in their nightshades could deter them long before their inviting crops become a veritable death-trap for them.
It's unfotunate that many of our cultivars [including tomatoes] are simply more pungent and appetizing than the low-keyed wild natives. In the wild, Manduca larvae are never a problem and I'd sure like to see a way to just keep them on "their side of the fence" so both man and wildlife can co-exist more peacefully. The moth is a splendid creature and quite beneficial, but it's too bad she gets lured by the scent of introduced cultivars and she oviposits thereon. It's not like the larvae just voluntarily left their wild food plant and trekked across field and meadow just to eat our tomatoes and eggplants. They were born there!
There's pros and cons to these hornworms. Some people here, even on this forum like them as much as I do, but still most often, they are killed--without even any chance of relocation to any unwanted weeds they are perfectly capable of keeping in check. If kept on their side of the fence and made to eat their wild food, most people would see their true benefit to man and nature.


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Plum lucky—twice
We love blossoms here at Good Fruit Grower, and this month we are fortunate to feature two wonderful photographs of unfurling blooms on our [...]
By Peter Mitham|November 20th, 2014|With an electronic trap and wireless network, growers can spend less time scouting in the orchard.
By Richard Lehnert|November 3rd, 2014|Strides have been made against brown marmorated stinkbug.
By Good Fruit Grower|October 24th, 2014|
As more growers move toward modern, high-density planting systems to improve yield and orchard management, the sprayer output needs [...]
By Melissa Hansen|September 12th, 2014|
Most spider mite research projects involve the tedious work of counting spider mites—peering down a microscope to count tiny [...]
By Melissa Hansen|September 12th, 2014|Willamette spider mite has been detected for the first time in Washington grapes.
By Geraldine Warner|September 3rd, 2014|
Growers and other stakeholders will meet on September 9 at Oregon State University's Southern Oregon Research and Extension Center [...]
By Melissa Hansen|August 20th, 2014|David James hopes to expand his research to more vineyards.
By Richard Lehnert|August 18th, 2014|If yellow jackets and hornets seem more of a problem these days, it's not your imagination.
By Geraldine Warner|July 15th, 2014|Though often confused with yellowjackets, paper wasps do not respond to the same bait.
By O. Casey Corr|June 13th, 2014|
The Washington State Department of Agriculture has resumed setting traps to detect any presence of four species of moths [...]
We love blossoms here at Good Fruit Grower, and this month we are fortunate to feature two wonderful photographs of unfurling blooms on our [...]
By Jon DeVaney
While not yet ratified, an agreement on a new contract for West Coast port workers has been reached, ending four months of [...]
The recent approval by USDA of the Arctic apple brands wasn't unforeseen by our industry. We have been preparing for months knowing that approval [...]
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Searched for: "flip powerpoint professional windows"
Content Types
About 2 results for "flip powerpoint professional windows"
The best of CES 2009, for business
While most of the crowd at CES 2009 was drooling over TVs, digital cameras, car tech, and gaming gear, TechRepublic scouted out the best new technologies for businesses. Here's our...
Create a quick professional slide show with Vista's Photo Gallery
Using the Microsoft Windows Vista application Photo Gallery, it is possible to create a professional slide show quickly and easily using the built-in Themes feature. Greg Shultz sh...


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I Can Not Imagine Life Without You - Music Videos
Embed jbedify 390 views 2014-02-26T14:54:30 "The Spirit Of Lord Upon Me" is A Raw Unrehearsed Footage of my Encounter with the Lord 02/25/2014 The Spirit was truly Upon Me To Sing. Selections may become a part of another CD Project. I pray this encounter will bless you in some way. Amen. This is a 1- 7 Song Collection.
More Music Videos
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Catalysis of the transmembrane transfer of a potassium ion by a delayed rectifying voltage-gated channel. A delayed rectifying current-voltage relation is one where channel activation kinetics are time-dependent, and activation is slow.
A process in which membrane potential cycles through a depolarizing spike, triggered in response to depolarization above some threshold, followed by repolarization. This cycle is driven by the flow of ions through various voltage gated channels with different thresholds and ion specificities.
A process in which a potassium ion is transported from one side of a membrane to the other.
The process of creating protein oligomers, compounds composed of a small number, usually between three and ten, of identical component monomers. Oligomers may be formed by the polymerization of a number of monomers or the depolymerization of a large protein polymer.
Any process that modulates the frequency, rate or extent of the directed movement of ions from one side of a membrane to the other.