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Research Report: International Microfinance 2012
"I've seen the power of microfinance all over the world in the eyes of mothers and fathers. It's unmistakable—the joy and deep satisfaction they feel from being able to work hard and provide for their children and their future."—Rich StearnsPresident, World Vision U.S.
"I've seen the power of microfinance all over the world in the eyes of mothers and fathers. It's unmistakable—the joy and deep satisfaction they feel from being able to work hard and provide for their children and their future."—Rich StearnsPresident, World Vision U.S.
International Microfinance ExpertsSelect the boxes to display the results according to expert type.
Foundation Professionals (F)
Researchers and Faculty (R)
Nonprofit Senior Staff (N)
Other (consultants, journalists, policy makers) (O)
Bernardo Alfaro
Deputy General Manager
Banco Nacional de Costa Rica
See Bio
Has more than 20 years experience in Banking, specializing in Risk Management and Finance. Prior to serving as the Deputy General Manager of National Bank of Costa Rica Alfaro held positions at BICSA Group and SUGEF. He studied at the University of Costan Rica and the Central Institute of Business Administration
Jeffrey Ashe
Director of Community Finance
Oxfam America
See Bio
Ashe serves as the director of community finance at Oxfam America. Working through 18 local NGOs since 2005, he and his team have trained savings groups in more than 8,000 villages in Mali, Senegal, Cambodia, El Salvador, and Guatemala. Previously, Ashe founded Working Capital and served as its executive director for eight years. Working Capital was the largest microenterprise program in the United States, and franchised its model in eight states and Russia. Ashe also directed the "PISCES Project," the first worldwide investigation of programs reaching the smallest economic activities of the poor. PISCES laid the groundwork for the best practice work that has followed over the past two decades. As senior associate director at ACCION International, he assisted in the dissemination of peer group lending throughout Latin America. After he left ACCION, Ashe designed, assisted and evaluated microenterprise programs in 35 countries in Asia, Africa, Latin America and Eastern Europe for the World Bank, the Agency for International Development, CIDA, ODA, and many NGO clients. He has published extensively in the micro-enterprise field and is the author of several books and articles on the topic. He holds a BA in political science from the University of California, Berkley, and an MA in sociology from Boston University.
Chris Baker
OneSeed Expeditions
See Bio
Chris has spent the last seven years split between the US and Nepal. As a student at Yale University, Chris conducted research in Kathmandu and throughout the Khumbu region surrounding Mt. Everest. As a Fellow with Kiva.org, Chris worked closely with local microfinance institutions and currently serves as an adviser for a start-up cooperative bank in the Lalitpur district south of Kathmandu. Chris is a graduate of the National Outdoor Leadership School and a former President of the Yale Mountaineering Club. Chris loves mountains, water buffalo momos and singing in Nepali.
Alex Bernhardt
Vice President
Guy Carpenter
See Bio
Alex Bernhardt is a reinsurance professional with broad international and multidisciplinary experience in several niche lines and classes of (re)insurance business; micro(re)insurance innovator and expert. As a Vice President at Guy Carpenter he has produced several items of new business for the firm both domestically and abroad. As the founder and head of the firm's GC Micro Risk Solutions group he developed from scratch a profitable international initiative in an emerging business sector. In this capacity he has also written multiple successful grants, spoken at international conferences, written several articles for a diverse professional audience and contributed to the strength of the firm's overall brand. As an Account Executive he worked with both insurance company and agency clients in the US and abroad to meet their multifaceted risk management needs while looking to devise innovative bespoke solutions to (un)common problems. In 2011 Bernhardt was named Reactions Magazine's "Rising Star" and honored as a Power Broker ® by Risk and Insurance Magazine
Margot Brandenburg
Associate Director
The Rockefeller Foundation
See Bio
Margot Brandenburg joined the Rockefeller Foundation in 2006. As an Associate Director, she works on program initiatives that pertain broadly to economic development, including an initiative focused on the economic security of low-income US workers (Campaign for American Workers) and one on impact investing. She has also been responsible for an exploratory initiative on green jobs, which focuses on models for using energy efficiency retrofits and other areas of the clean economy to create and sustain good jobs for low-income workers at scale. Prior to joining the Foundation, Ms. Brandenburg worked in the fields of microfinance and community development finance. She has held positions at Shorebank, the Microfinance Information Exchange (MIX) and the African Development Bank, and has advised microfinance and community development institutions in the US and Africa. Ms. Brandenburg received a bachelor's degree in International Relations from Stanford University and a Masters degree in Public Affairs from Princeton University. She also chairs the Board of Brooklyn Cooperative Credit Union.
Thomas Carter
Coordinator, Cooperative Development Program
US Agency for International Development (USAID)
See Bio
Thomas coordinates USAID's Cooperative Development Program (CDP). The CDP funds US cooperatives and cooperative development organizations that partner with counterpart cooperatives in developing and transitional economies. The major focus of the program is supporting efforts to develop solutions to significant cooperative development challenges including cooperative law and regulation, governance, achieving salience and scale, attaining and maintaining autonomy and self-reliance. Prior to joining USAID, Tom worked as an FAO Advisor to India's National Dairy Development Board (1990-2000); as Representative in India for the Cooperative League of the USA (NCBA/CLUSA - 1982-89); as Director of International Programs for the World Council of Credit Unions (1975-82); and various positions with the Peace Corps including Volunteer (1965-67), Associate Director (1967-70), Regional Director (1970-72) and trainer (1972-74). Tom has an A.B. degree with a major in Philosophy from Dartmouth College. In addition to graduate work in philosophy at the Nagpur University Post-Graduate Teaching Department and UCLA, he completed Peace Corps training at the University of California, Davis.
Jesse Casler
Vice President of Administration
HOPE International
See Bio
Jesse Casler has been with HOPE since October 2004. His education includes a B.A. from Eastern Nazarene College and both an M.A. in International Relations and an MBA from Boston University. The field of microfinance falls at the intersection of these degrees, combining Jesse's heart for developing countries and his business expertise. Prior to and during his graduate work, Jesse gained experience in international banking at State Street Corporation's international headquarters in Massachusetts and later at a subsidiary of Advent Software. Jesse spent significant time in Romania and has traveled extensively throughout Eastern Europe and Africa. Jesse has served as a church board member and is deeply committed to HOPE's Christian mission.
Amulya Champatiray
Manager, Policy Outreach
IFMR Center for Microfinance
See Bio
Amulya is the Manager of Policy Outreach at the Centre for Micro Finance (CMF) , a non-profit, non-partisan research center housed within the Institute for Financial Management and Research in Chennai. The mission of the Centre for Micro Finance is to improve the accessibility and quality of financial services for the poor through rigorous research, knowledge dissemination and evidence-based policy outreach.
Susy Cheston
Senior Advisor
Center for Financial Inclusion at ACCION
See Bio
Moiz Ahmed Chowdhury
See Bio
Kate Cochran
Chief Operating Officer
See Bio
Kate joined Vittana as COO in 2010 with a deep passion and belief that we can change the face of global poverty. Kate brings over 20 years of management experience in the private, nonprofit, and public sectors. Prior to this role, Kate was part of the founding management team at Unitus, a global microfinance accelerator, where she led, at various points, fundraising, finance, and operations and was a frequent spokeswoman for the organization. Previously, Kate was the COO and Director of Leadership Development for Cultural Initiatives Silicon Valley, an organization she helped found in 1999. Before that, Kate was a management consultant with Towers Perrin, where she helped Fortune 100 clients address strategic human resources issues. Kate holds a B.A. from Stanford University and an M.B.A. from UCLA's Anderson School of Management, where she graduated as the top human resources student in her class. She is a frequent guest lecturer at business schools and universities on the topics of social entrepreneurship, microfinance, and nonprofit management.
Shawn Cole
Associate Professor
Harvard Business School
See Bio
Shawn Cole is an associate professor in the Finance Unit at Harvard Business School, where he teaches a second-year elective course "Business at the Base of the Pyramid." He has also taught FIN1 and FIN2 in the core curriculum, as well various executive education courses. His research examines corporate and household finance in emerging markets, with a focus on banking, microfinance, insurance, and the relationship between financial development and economic growth. He has worked in India, the Philippines, Indonesia, Vietnam, and South Africa. He is an affiliate of MIT's Jameel Poverty Action Lab, and the Bureau for Research and Economic Analysis of Development. Before joining the Harvard Business School, Professor Cole worked at the Federal Reserve Bank of New York in the economic research department. He has also served as chair of the endowment management committee of the Telluride Association, a non-profit educational organization. He received a Ph.D. in economics from the Massachusetts Institute of Technology in 2005, where he was an NSF and Javits Fellow, and an A.B. in Economics and German Literature from Cornell University.
Tanya Counts
Compliance Coordinator
Accion Texas
See Bio
Gil Crawford
See Bio
Mr. Crawford is Chief Executive Officer and Chief Investment Officer of MicroVest. He is responsible for leading the company's investment operations and strategy since MicroVest's founding in 2003. As MicroVest's CEO, he led the launch of MicroVest I, LP, the first commercial private equity vehicle focused on microfinance in North America. Mr. Crawford has 25 years experience with microfinance institutions and capital markets across the globe. Before helping to found MicroVest Capital Management, Mr. Crawford worked for the Latin American Financial Markets Division at the International Finance Corporation (IFC), and focused on investments in microfinance institutions. Prior to joining IFC, Mr. Crawford created and ran Seed Capital Development Fund, a US based non‐profit firm, involved in creating financial instruments and attracting funds to capitalize microfinance institutions, primarily in Latin America, Asia and Africa. Specific projects included: Latin American Challenge Investment Fund (LA‐CIF), a $20 million loan fund for microfinance institutions in Latin America; DEVCAP, a shared return mutual fund whose total assets reached US$ 27 million dollars. Mr. Crawford has also been a Member of ProFund's Investment Committee and alternate member to the Board of Directors for many years. Prior to creating Seed Capital, Mr. Crawford was the Assistant Project Director for Africa Venture Capital Project, designed to create risk capital firms in Africa. Mr. Crawford received his bank training at Chase Manhattan Bank in the mid‐80s after working in Africa for the Red Cross and State Department. He graduated from SAIS at Johns Hopkins University in 1983 and Bates College in 1980. Mr. Crawford serves on the Steering Committee for the Agriculture Finance Support Facility, a World Bank initiative supported by the Bill and Melinda Gates Foundation. He also serves on the Boards of Lumni, Inc. and Seed Capital Development Fund and co‐teaches a finance course at Johns Hopkins SAIS. He is fluent in English and conversant in French, Spanish and Swedish.
John De Wit
Managing Director
Small Enterprise Foundation
See Bio
John is the founder and managign director of The Small Enterprise Foundation (SEF) which is a is a not-for-profit, pro-poor microfinance institution which began operations in 1992. The aim of SEF is to work towards the elimination of poverty and unemployment. This is accomplished through two programs, the Microcredit Programme (MCP) and the Tšhomišano Credit Programme (TCP). MCP focuses on existing, but generally marginal micro-enterprises and provides them with micro-loans. On the other hand, TCP strictly targets women who live below half the poverty line.
Breanna DiGiammarino
Senior Associate
Draper Richards Kaplan Foundation
See Bio
Breanna has eight years of experience applying top-tier strategy and management techniques to organizations that are leaders in their fields. At the Foundation, Breanna applies an impact-lens across the portfolio to the work of finding, selecting and supporting Draper Richards Kaplan entrepreneurs. She also spearheads the systems infrastructure development for the Foundation as it enters a new phase of growth. She previously served as an Associate Consultant at The Bridgespan Group, the leading strategy consulting firm in the nonprofit sector, where she worked with many large scale nonprofit clients, including advising The Gates Foundation on their investment strategy to improve education outcomes in the U.S. and the Cristo Rey Network of schools on how to align their nationwide network with a focus on long-term student outcomes. She trained with Bain and Company, and received her Master of Public Administration in nonprofit management from the NYU Wagner School of Public Service and holds a Bachelor of Arts in Biology and Government from the University of Virginia. While at UVA and NYU, Breanna founded Kids Acting Out, a nonprofit that engages college students and under-resourced youth in building life skills through drama.
David Dror
See Bio
Prof. Dror is an internationally recognized authority in micro health insurance, whose reputation was gained through the conceptual framework he developed on ways to link poor communities with reinsurance (a concept he called "Social Re") and the seminal volume Social Re Insurance: A New Approach to Sustainable Community Health Financing (with A. Preker; published by World Bank and ILO). David has extensive field experience working with grassroots groups in low-income countries. He holds a DBA (Magna cum Laude) and a PhD (Summa cum Laude). He is honorary professor at Erasmus University Rotterdam/MC (Netherlands) and publishes regularly in peer-reviewed journals (accessible here). (click here to download Prof. Dror's CV)
Chris Dunford
Senior Research Fellow
Freedom from Hunger
See Bio
Dr. Dunford holds a Ph.D. in Ecology and Sociology, joined Freedom from Hunger in 1984. In 1986, Dr. Dunford conducted a study of U.S. poverty and health and developed a new programming strategy for Freedom from Hunger in the United States. Dr. Dunford is one of the three chief architects in the design and implementation of Freedom from Hunger's Credit with Education strategy.
Abhishek Fogla
Associate Vice President
Unitus Capital
See Bio
Abhishek joined the UC team in mid 2008 from Micro-Credit Ratings International Limited (M-CRIL), where he completed 32 MFI credit ratings in nine countries across Asia, Africa and Europe. Prior to his position at M-CRIL, Abhishek was with ICRA Management Consulting Services Limited, where he worked for financial institutions on consulting and modeling assignments related to credit risk and Basel-II capital adequacy norms. He holds a degree in Telecommunications Engineering from R.V.C.E in Bangalore, an M.B.A from Management Development Institute in India and a Masters in Management from ESCP-EAP Business School in Paris, France. Abhishek has also attended the Program on Strategic Leadership for Microfinance at the Harvard Business School.
Tim Geisse
Geisse Foundation
See Bio
Timothy F. Geisse is an experienced business transactions lawyer. Mr. Geisse has concentrated his 25 year practice in the representation of closely-held businesses and their owners in mergers and acquisitions, reorganizations, joint ventures, contracts and general business matters. He also has significant experience in personal estate planning, the administration of probate estates, real estate transactions and the law of nonprofit and tax exempt entities. Tim is the managing trustee of the John F. and Mary A. Geisse Foundation, which has been supporting microfinance since 1992. He is a member of the President's Council of ACCION International, a member of the Board of Governors of Opportunity International and served as a trustee of the Global Commercial Microfinance Consortium formed and managed by Deutsche Bank
Khalid Ghazi
International Cooperation Officer
Al Amal Microfinance Bank
See Bio
Khalid Ghazi is International Cooperation Officer at Al Amal Microfinance Bank (AMB). Al Amal Bank is a non-profit organization seeking to offer sustainable financial services to limited and low income households in Yemen who are excluded from the formal banking sector, particularly small and micro entrepreneurs through the provision of inclusive financial services (credit, saving, insurance, transfers, etc).
Mike Goldberg
Senior Microfinance Specialist
World Bank
See Bio
Mike Goldberg is World Bank Staff, Sr. Private Sector Development Specialist from September 01, 1999. Previous assignments: LCS-LCR Sector Units, Private Sector Cluster as Sr Private Sector Development Specialist; PSD-Private Sector Development Department, Small Enterprise Development Unit as Private Sector Development Specialist; PSD-Private Sector Development Department, Small Enterprise Development Unit as Private Sector Development Specialist; and CGP-Consultative Group for Assistance to the Poor, Consultative Grp to Assist Poor.
Nathanael Goldberg
Senior Director, Policy
Innovations for Poverty Action (IPA)
See Bio
Nathanael Goldberg, Policy Director, leads IPA's efforts to direct resources to proven development interventions. Nathanael also manages IPA's Ultra Poor Graduation initiative, a set of seven evaluations of programs designed to enable the poorest households to develop sustainable livelihoods and move out of extreme poverty. Nathanael has a B.A. in economics from Wesleyan University and an MPA from Princeton University's Woodrow Wilson School.
Adrian Gonzalez
Lead Researcher
Microfinance Information Exchange
See Bio
Adrian Gonzalez is Lead Researcher at Microfinance Information Exchange (MIX). He joined MIX in 2004, performing global analysis of microfinance institutions' data collected primarily by MIX and other leading organizations. His research focuses on topics such as risk and portfolio quality, efficiency, depth of outreach, sustainability and interest rates. Prior to joining MIX, he was a researcher at The Rural Finance Program from Ohio State University (OSU), where he worked on microfinance, poverty reduction, and development issues in Latin America. Adrian Gonzalez has a Ph.D. in Finance and Development from the Development Economics Program at Ohio State University. He also received an M.A. in Economics from OSU. Read more: http://www.themix.org/staff/adrian-gonzalez#ixzz1n9VDKeib
Bobbi Gray
Research and Evaluation Specialist
Freedom from Hunger
See Bio
Bobbi joined Freedom from Hunger in 2004. She works with our partners to design, implement and analyze research and evaluation studies that measure and assess the impacts of Credit with Education and other program interventions, including feedback of this information to stakeholders for decision-making. She also specializes in helping partners develop robust social performance management systems whereby organizations put their social mission into practice. Bobbi helps oversee the ongoing project to develop, test and document the food-security scaling for use by our partner organizations to assess poverty levels of their clients and changes in poverty over time. She holds a Master of Public Administration (Monterey Institute of International Studies) in International Management and a B.A. (Texas Tech University) in French and Spanish, and she speaks both languages.
Peter Greer
President & CEO
HOPE International
See Bio
Peter Greer joined HOPE in July 2004, following extensive education and experience in the field of microfinance. Peter received a B.S. in International Business from Messiah College, and he earned an MPP with a concentration in Political and Economic Development from the Kennedy School of Government at Harvard University. Prior to his education at Harvard, Peter served as Managing Director for URWEGO Community Banking in Kigali, Rwanda, for three years. He also served as a technical advisor for Self-Help Development Foundation (CARE Zimbabwe) in Bulawayo, Zimbabwe, and he worked as a microfinance advisor in Phnom Penh, Cambodia. While at Harvard, Peter studied HOPE's work in the Democratic Republic of Congo for a graduate thesis project. He says his interest in working for HOPE grew as he saw "its unique desire to combine physical and spiritual ministry through the tool of microfinance."
Yeva Grigoryan
Marketing Manager
See Bio
Yeva is Marketing Manager at FINCA, a nonprofit organization which provides financial services to the world's lowest-income entrepreneurs so they can create jobs, build assets and improve their standard of living.
Yaw Gyamfi
Deputy Executive Secretary
Ghana Microfinance Institutions Network (GHAMFIN)
See Bio
Yaw Gyamfi is Deputy Executive Secretary at Ghana Microfinance Institutions Network (GHAMFIN). GHAMFIN is an informal network of institutions and individuals that operate within Ghana's Microfinance Industry. This network evolved from the concern of some Ghanaian Microfinance Institutions (MFIs) for the development of best practices in delivery of microfinance services. Their concern and initiatives was promoted by a World Bank sponsored action research project, which sought to identify for wider application, innovative techniques of financial services delivery that had been successful in improving access of micro entrepreneurs to financial services.
Dino Hadjarati
Dian Mandiri Foundation
See Bio
Dino Hadjarati is Director of Dian Mandiri Foundation, a nonprofit organization which provides loans, technical support, training, and mentorship to empower the poor to expand their own businesses. He studied Business Law at the University of India.
Debbie Hall
See Bio
Debbie Hall is the Chair of the Board of Directors for Village Enterprise Fund (VEF), a microenterprise organization striving to break the cycle of poverty in East Africa with training and seed capital for income-generating small businesses. She has served on the board for ten years, focusing on fund raising, board & management development, and volunteer management. Ms. Hall's career has focused on high tech marketing, management consulting, and the non-profit sector. Following an BA in Economics from Duke University an MBA from Stanford's Graduate School of Business, Debbie's career path led her to The Boston Consulting Group, Metaphor Computer Systems, and Banner Blue Software. She ran an independent consulting practice for ten years helping companies assess and develop markets for new or existing products. For the past six years she has used her business skills in leading projects and building teams in the non-profit arena. In addition to working with Village Enterprise Fund, she serves on the leadership team at Menlo Park Presbyterian Church and serves as Association Coordinator for the Girl Scouts of San Francisco Bay Area, overseeing the training and support of her region's 125 troop leaders. Debbie lives in Menlo Park, CA with her husband, Russ Hall and daughter, Melissa. She enjoys golf, hiking, and music.
Malcolm Harper
Emeritus Professor
Cranfield School of Management
See Bio
Malcolm Harper is emeritus professor of enterprise development, Cranfield School of Management, UK, and since 1995 has worked independently, mainly in India. He has published widely on self-employment, enterprise development, microfinance and livelihoods. Professor Harper was chairman of Basix Finance in India for 10 years, and is chairman of M-CRIL, an international microfinance and social rating company. He was the founding editor of the journal Small Enterprise Development (now Enterprise Development and Microfinance, published by Practical Action), and is a director and trustee of Homeless International, EDA (UK) Limited, APT Enterprise Development and PA Publications in the UK.
Anne Hastings
Fonkoze Financial Services
See Bio
Anne Hastings became CEO of Fonkoze Financial Services (or SFF, the abbreviation for its Creole Name, Sèvis Finansye Fonkoze) in 2009. Prior to this position, Anne served as Director of Fonkoze, the Foundation, for three years, and as a founder and board member of SFF since 2004. Anne has received several prestigious international awards recognizing her work in both Haiti and in the field of microfinance, including the 2005 Pioneer in Microfinance Award from the Grameen Foundation USA. In 2008, she was honored at the United Nations with an award from Women Together due to her commitment to the elimination of extreme poverty and hunger. Before coming to Haiti, Anne had fifteen years of experience in providing strategic management services to executives and in managing young organizations for high performance and steady growth. She was Senior Partner and Managing Director of Scanlon and Hastings, a management consulting company in Washington DC, from 1985 to 1996 and a Senior Analyst at Advanced Technology in Reston, Virginia from 1982 to 1985. Anne holds a PhD from the University of Virginia and an Honorary Doctorate in Business Leadership from Duquesne University. She completed research fellowships at the Brookings Institute and the Advisory Commission on Intergovernmental Relations, both in Washington, DC.
John Hatch
Founder and Board Member
See Bio
Dr. John Hatch is the founder of FINCA and the creator of Village Banking—a unique and influential method for delivering small loans, savings, and other financial services to the poor worldwide. During his early career, Hatch served with the Peace Corps in Colombia, and as a regional director in Peru. As a graduate student, he won a Fulbright grant to conduct research in Peru, where he spent two crop cycles as a hired laborer working for subsistence farmers and documenting their agricultural practices. In his work with the rural poor, Hatch found that most credit programs were administered by outside experts. This management style resulted in poor repayment rates and low morale among borrowers. Believing that the poor lacked neither ambition nor skill, but simply resources, in 1984, John created the Village Banking method. This method allowed the poor to obtain loans without collateral—their main obstacle to accessing credit—at interest rates they could afford. It brought neighbors together in groups, giving them the collective power to disburse, invest, and collect loan capital as they saw fit. The results among FINCA's earliest clients were improved earnings and family nutrition, high repayment rates, and increased empowerment. When Hatch began lending to women, he saw the tremendous potential of Village Banking as an anti-poverty tool: "Our focus on women was the result of a growing conviction that the fastest way to affect the welfare of children was through aid to their mothers," said Hatch. FINCA Founder John Hatch, Chairman of the Board Robert Hatch and President and CEO Rupert Scofield at FINCA's 25th Anniversary Event Over 22 years with FINCA, Hatch served as president, and as chief of party for programs in El Salvador and Guatemala; he retired as FINCA's director of research in 2006. Today, the organization he founded reaches over 750,000 people in 21 countries with small loans, insurance, savings programs, and other services. Hatch continues as a FINCA board member, advisor, speaker, lecturer, and fundraiser. He is continuing his research on the impact of Village Banking and is active in FINCA's annual student symposium and research awards competition. Throughout his career, Hatch supported efforts to promote microcredit worldwide. Since founding FINCA in 1984, he has shared his Village Banking methodology with numerous nongovernmental organizations. As a result, today there are hundreds of Village Banking programs worldwide. Hatch is also co-founder of the Global Microcredit Summit.
Tevis Howard
See Bio
Miguel Jimenez
Finance Manager
See Bio
Miguel Jiminez is Finance Manager for IMPRO, a non-profit organization that has been offering micro credit to the working poor in the cities of La Paz and El Alto in Bolivia since 1995. IMPRO's goal is to fight poverty by offering loans to small business owners who otherwise would not be able to access credit through the regular banking system due to a lack of guarantees or collateral.
Denny John
Dy Director, Project Implementation
Micro Insurance Academy (MIA)
See Bio
Denny John is Dy Director of Project Implementation at Microinsurance Academy (MIA). MIA is a Delhi-based charitable trust dedicated to evidence-based studies, training and advisory services for micro-insurance units serving the poor. Community-based micro-insurance units seek to promote the extension of insurance coverage among the uninsured poor by customizing their insurance to the risks and conditions they face, at affordable premiums, through a process that they trust. Denny is a health professional with over 12 years experience in various areas; clinical (physical therapy), hospital administration, project management, technical support, evaluation research, health financing project designs, health services research, and advocacy. .
Virginia Juan
See Bio
Rama Rao K
Vice President of Administration
SHARE Microfin Limited (SHARE)
See Bio
Rama Roa K is Vice Preseident of Administration at SHARE Microfin Limited (SHARE). SHARE is a regulated Non-Banking Financial Company (NBFC) providing financial and support services to the marginalised sections in society, particularly to poor rural and urban women across India. Through its income generating loans and business development services, SHARE reaches out to help these women build productive microenterprises, thereby contributing to the development of sustainable communities.
Dean Karlan
Professor of Economics
Yale University
See Bio
Dean Karlan is a Professor of Economics at Yale University and a Research Fellow at the Abdul Latif Jameel Poverty Action Lab (J-PAL) at the Massachusetts Institute of Technology. Karlan is also the President and Founder of Innovations for Poverty Action (IPA), a New Haven, Connecticut based research outfit dedicated to creating and evaluating solutions to social and international development problems. Along with economists Jonathan Morduch and Sendhil Mullainathan, Karlan serves as Director of the Financial Access Initiative (FAI), a consortium of researchers focused on substantially expanding access to quality financial services for low-income individuals.
Mohammed Khaled
Regional Representative for Middle East North Africa Region (MENA)
Consultative Group to Assist the Poor (CGAP)
See Bio
Mohammed works to deepen CGAP's engagement in the MENA region, collaborating with regional partners on issues such as technology, policy, and funding for microfinance. Mohammed has over 25 years of experience in developing and managing innovative projects that empower women and the poor. Beginning as a practitioner in 1994, Mohammed has been playing different roles in the microfinance sector such as serving as the founding director and a senior trainer of Sanabel, the region's microfinance association. He has also been working as a consultant and an advisor for several donors in the region including the Rockdale Foundation, Grameen Foundation/U.S. (later Grameen-Jameel), Agfund, and UNDP. A Palestinian national, Mohammed speaks Arabic and English.
Arsen Kuchukyan
General Manager
Small Enterprise Foundation
See Bio
Arseon Kuchukyan is currently the Deputy CEO of SEF International UCO, a partner of World vision. Serving also as the Deputy Executive Director and Executive Director, Arsen served the organization over 13 years. Arsen's MBA was earned at American University of Armenia and Hayastani Amerigyan Hamalsaran.
Lisa Kuhn
Vice President, Latin America
Freedom from Hunger
See Bio
Lisa has over 11 years experience in microfinance and 15 in Latin America. She joined Freedom from Hunger in 2005 as Technical Advisor in Microfinance, providing technical assistance and training to microfinance organizations throughout Latin America. Since then she has launched offices in Mexico, Peru and Ecuador and expanded partnerships in the region from eight to over fifty. Currently, Lisa supervises all programmatic activity in Latin America. She also serves on the steering committees of the Imp-Act Consortium and the Latin American Network for Gender Justice in Economic Development. Before joining Freedom from Hunger, Lisa worked as a gender and microfinance specialist for Opportunity International, specializing in product design and research. She has also worked for FINCA International. She has an M.S. in Foreign Service (Georgetown University) and a B.A. in Romance Languages and Latin American Relations (DePauw University). She speaks Spanish and French.
Sanjay Kumar
Program Manager
See Bio
Sanjay Kumar is Program Manager for Nidan, a nonprofit organization based in India that working working on various development issues. Nidan offers support to unorganized workers, microfinance solutions, education programming, and advocacy supprt for various issues. They also serve as a connector for networks of microenterprises.
Iris Lanao
Executive Director
FINCA Peru
See Bio
Iris Lanao Flores is CEO of FINCA Peru. She is also involved in a number of national and international networks and regularly intervenes on practices and issues that are specific to the methodology of village banking. Iris Lanao Flores holds a Masters Degree inc Latin American Development from Stanford University and a Masters Degree in Operational Research from the London School of Economics
Herb Liberman
Salone Microfinance Trust (SMT)
See Bio
Herb Liberman is a President at Salone Microfinance Trust (SMT). Salone Microfinance Trust (SMT) is an independently run microfinance institution, founded by ChildFund International in Sierra Leone, an affiliate of the international humanitarian aid organization ChildFund International. SMT's approach of concentrating in ChildFund program communities helps ensure that it reaches vulnerable populations and integrates micro-enterprise development with more traditional ChildFund programs whose focus is the well-being of vulnerable families. Over the last three years, SMT has become a major participant in the active and progressive microcredit sector in Sierra Leone.
Mark Lutz
Senior Vice President, Global Philanthropy
Opportunity International
See Bio
Mark Lutz is Opportunity International's senior vice president of global philanthropy. He joined Opportunity in 1989 and brings 30 years of development experience to his position. In his present role, Mark creates strategic alliances with other international development organizations, and advocates for the poor. While overseeing resource development, he grew Opportunity's private annual revenue from $1 million to $40 million. Mark's extensive international experience shapes his marketing and fundraising efforts. He grew up in South Africa with his missionary parents, and visited some 20 countries before attending college. Living for almost 20 years under apartheid prepared him to become an advocate for justice. He has written a book, UnPoverty: Rich Lessons from the Working Poor, in which he tells the stories of people he has visited around the world, and calls us to end extreme poverty during our lifetime. Mark has a degree in music and a master's in cross cultural communications from Wheaton College. He and his wife, Lise, enjoy an empty nest in Glen Ellyn, Ill., where they raised three children.
Nitin Madan
Senior Analyst
EDA Rural Systems
See Bio
Nitin Madan, currently the Senior Analyst at EDA Rural Systems, completed his MA in Poverty and Development at the Institute of Development Studies (IDS) in the UK after taking a sabbatical from a very challenging 7 year micro-finance career in India. At the IDS, he concentrated on honing his grasp over how to make finance more responsible and relevant for poor households via my research on issues of over-indebtedness, financial well-being, reimagining microfinance, etc. His operations experience is in developing and implementing models of responsible microfinance. Madan has experience in project and institution management from conceptualization to monitoring and evaluation. This work spans the slums of Pune (western Maharashtra) and finally culminates in south Rajasthan with a Trust called Aajeevika Bureau (www.aajeevika.org) where he was the COO of an affiliate not-for profit company called Rajasthan Shram Sarathi Association. His interest is largely in the financial inclusion of low income households going beyond only microcredit.
Dean Mahon
See Bio
Dean is an International Senior Executive with comprehensive experience in management, political action, financial management, strategic planning, policy formulation, representation, team building and supervision, human resources development and public relations in nearly 70 countries. He has extensive global experience in cooperatives, other membership organizations, asset growth, microfinance, credit unions, small business development, social entrepreneurship, civil society, and local economic development. Dean can be seen as a multicultural leader with excellent verbal and written communication skills. He earned his post graduate degree with emphasis on applied economics from University of Wisconsin-Madison.
Epifanio Maniebo
Canadian Co-operative Association (CCA)
See Bio
Epifanio Maniebo is a consultant currently working with the Canadian Co-operative Association (CCA). CCA provides leadership to promote, develop and unite co-operatives and credit unions for the benefit of people in Canada and around the world.
Elissa McCarter
Vice President of Development Finance
CHF International
See Bio
Elissa McCarter is the Vice President of Development Finance at CHF International, where over the last five years she has established the technical department that manages CHF's microfi nance and middle market lending operations. Under her leadership, the department has grown from $40 to over $200 million in assets under management. Elissa has 12 years' experience as a microfinance practitioner. Prior to CHF, she started up and managed two MFIs in Armenia and Turkey, and has served as a technical advisor in Morocco, Zimbabwe, Ethiopia and Egypt.
Camilla Nestor
Vice President of Microfinance Programs
Grameen Foundation
See Bio
Camilla Nestor joined Grameen Foundation in August 2005 and previously served as Growth Guarantees Manager and Director of the Capital Management and Advisory Center. She was appointed Vice President for Microfinance in April 2009. She has 15 years of experience in microfinance and commercial banking. Before joining Grameen Foundation, she worked in Citigroup's Structured Corporate Finance Department where she executed credit-enhanced debt financings for emerging markets firms in Africa, the Middle East and Eastern Europe. Prior to joining Citi, she spent five years on the ground in Southeast Asia, the Balkans, and Africa working with microfinance institutions and rural banks on start-up, new product development, and capital raising. Camilla holds an MBA and a masters degree in International Affairs from Columbia University and a bachelor's degree in Political Science and International Relations from Colorado College. She is an adjunct professor at Columbia University's School of International & Public Affairs and serves on the boards of Grameen Capital India and Microlumbia.
Robyn Nietert
See Bio
Robyn G. Nietert Board President of Women's Microfinance Initiative (WMI), a native of Long Island, New York, holds a B.A. from George Washington University and a J.D. from the National Law Center at George Washington University. For over 25 years she was a member of the Washington, D.C. law firm of Brown, Nietert and Kaufman, which specialized in telecommunications law, with a focus on innovative wireless technologies. She is also a founder and principal of American Capital Partners Company, which specializes in mergers and acquisitions of high speed broadband facilities. During her career, Ms Nietert has represented pioneering telecommunications industries before the U.S. Congress and federal agencies, and has participated in crafting federal legislation and agency rules. She is a member of Bradley Hills Presbyterian Church and has served on the Board of Directors of the Carderock Springs Club. She has organized several non-profit education foundations and served on their boards of directors, including the Walt Whitman High School Education Foundation. In 2007, she founded WMI and serves as its president.
Kim Pate
Vice President, External Relations
Corporation for Enterprise Development (CFED)
See Bio
As CFED's Vice President for External Relations, Ms. Pate oversees innovation@cfed, an effort to accelerate the evolution of the next generation of effective strategies to expand economic opportunity. Ms. Pate also coordinates strategic partnerships and communications across CFED priority areas of work - asset building, entrepreneurship, Tribal, state and local economic development and affordable home ownership. Ms. Pate is an attorney who has specialized in representing the interests of low-income women, families, Native Americans and disadvantaged communities. Ms. Pate has been a public speaker, trainer, technical assistance provider and writer on issues affecting economic opportunity for fifteen years.
Fernando Prado
General Manager of Prospero Microfinanzas Fund LP
Bolivian Investment Management (BIM)
See Bio
Fernando is the General Manager of Prospero Microfinanzas Fund LP at Bolivian Investment Management. BMI, among other services, provides loans in local currency to microfinance institutions (MFIs) in all the region of Latin America and The Caribbean.
Frans Purnama
Indonesia Microfinance Association (IMA)
See Bio
Frans Purnama is a Country Microfinance Advisor for Plan International in Indonesia. Previously, he worked for Grameen Foundation, Asian Development Bank, ACDI/VOCA, and Habitat for Humanity International. In addition to starting his own microfinance institution in Tangerang in 1998, Mr Purnama has worked with MFIs in Indonesia, the Philippines, and Timor Leste. He is currently based in Jakarta and has served as the Chairman of the Indonesia Microfinance Association (IMA) since 2008.
Ole Rasmussen
See Bio
Ole is a PhD student in economics and at the same time I work at DanChurchAid, a Danish civil society organization doing development and relief work in 15 countries. This combination is possible because his PhD degree is a collaboration between the university and DanChurchAid. He's involved in an impact assessment of community managed microfinance in Northern Malawi where we implement Village Savings and Loan Associations in 23 out of 46 villages, the Karonga Vulnerability Study. This work is in collaboration with Christopher Ksoll (Oxford University), Helene Bie Lilleør (Rockwool Foundation Research Unit), Jonas Helth Lønborg (University of Southern Denmark).
Rama Reddy
See Bio
Dennis Reeder
Executive Director
Washington Heights & Inwood Development Corp.
See Bio
Dennis Reeder has served as Executive Director of Washington Heights & Inwood Development Corporation for 32 years. The local development organization serves residents and business owners in northern Manhattan by supporting entrepreneurs, micro-lending, and providing technical assistance. He earned a MSUP in Urban Planning from Columbia University.
Elisabeth Rhyne
Managing Director of the Center for Financial Inclusion
See Bio
Elisabeth Rhyne works to bring together leaders in financial services to address challenges facing the microfinance industry today. She is a co-creator of the Smart Campaign for client protection in microfinance. As senior vice president of ACCION International from 2000-2008, Ms. Rhyne led ACCION's initial entry into Africa and India and directed the organization's research efforts to develop new financial products and managed ACCION's publications and educational activities. Ms. Rhyne has published numerous articles and five books on microfinance, including Mainstreaming Microfinance: How Lending to the Poor Began, Grew and Came of Age in Bolivia (Kumarian Press, 2001). She was also co-editor of The New World of Microenterprise Finance (Kumarian, 1994), which provided the introduction to microfinance for many of the field's current professionals. Her most recent book, Microfinance for Bankers and Investors, was published by McGraw-Hill in 2009. Ms. Rhyne was director of the Office of Microenterprise Development at the U.S. Agency for International Development (USAID) from 1994 to 1998, where she developed and led USAID's Microenterprise Initiative. Ms. Rhyne's experience includes eight years living in Kenya and Mozambique, consulting on microfinance policy and operations for governments, international organizations, and microfinance institutions. Ms. Rhyne holds a master's degree and Ph.D. in public policy from Harvard University. She earned a bachelor's degree in history and humanities from Stanford University.
Stephanie Rupp
Principal, Investments
Omidyar Network
See Bio
Stephanie brings considerable experience in international economic development to Omidyar Network, leading the Property Rights investment area as well as investing in Microfinance. In Property Rights, she focuses on investments that help formalize land rights and increase security of tenure for the poor. In Microfinance, she focuses on investments that improve infrastructure by expanding networks, enabling the sharing of credit information, and mitigating foreign exchange risks. Her portfolio also includes microfinance equity and debt funds. Stephanie oversees a number of investments for Omidyar Network, including the Landesa, the SEEP Network, MFX Solutions, Microfinance Information eXchange (MIX), Foundation for Ecological Security, Catalyst Microfinance Investors, and MicroVest, among others. Stephanie is a board member for MFX Solutions and MIX, and a board observer for Landesa and the SEEP Network. Stephanie came to Omidyar Network after serving as a senior investment officer at Planet Finance, where she originated loans to microfinance institutions and advised socially responsible investors. Previously, Stephanie specialized in fixed income deals at UBS Investment Bank in New York City and London. She also focused on microfinance for ACDI/VOCA, where she coordinated USAID-funded microfinance programs in Central Asia and Russia. In addition, she contributed to education infrastructure projects based in sub-Saharan Africa for the World Bank and UNESCO. Stephanie earned an MPA from Harvard's Kennedy School of Government where she specialized in trade and finance, an MS in comparative government from the London School of Economics, and a BS from the University of Bristol, England in philosophy and politics.
Adil Sadoq
Middle East North Africa Region (MENA) Manager
MEDA (Mennonite Economic Development Associates)
See Bio
Adil Sadoq is Manager in charge of the Middle East North Africa Region (MENA) at Mennonite Economic Development Associates (MEDA). MEDA has been serving developing communities with market driven strategies for over 50 years. MEDA works globally, focusing on business investment, rural financial services, as well supporting women and young people to reach their economic goals.
Amina Sakioudi
Director of Planning & Management Control
Fondation Banque Populaire pour le Micro-Credit (FBPMC)
See Bio
Amina Sakioudi is Director of Planning & Management Control at FBPMC, a microfinance organization based in Morocco. FBPMC provides literacy training, business support, and various credit products to support micro-entrepreneurs in their work.
Kyle Salyer
Executive Vice President, Finance & Operations
MicroCredit Enterprises
See Bio
Kyle currently serves as the Executive VP, Finance and Operations with MicroCredit Enterprises (MCE), a social venture that leverages private guarantees to provide debt financing to microfinance institutions worldwide. In his prior role with MCE, he managed its loan portfolio during the initial three years of operations, issuing 47 investments in 15 countries for a total of $25 million. Formerly, Kyle was Investment Manager with First Light Ventures, where he managed their initial investments in India and the US, as well as the creation of Village Capital. Kyle gained his initial experience in the microfinance sector when he worked as Regional Manager with AMEXTRA in Mexico, developing and managing the Chiapas branch of their microfinance initiative. Kyle has a MBA from the University of California, Davis and a BA from UCLA in International Economics and International Development Studies.
Achla Savyasaachi
Vice President
See Bio
Alcha is Vice President of Sa-Dhan, an intermediary organization that works to strengthen microfinance institutions and Community Development Finance Institutions through policy, technical support, training, sharing best practice and network building.
Rupert Scofield
President & CEO
FINCA International
See Bio
Rupert Scofield, FINCA International President and Chief Executive Officer, is an agricultural economist with 40 years of experience in the developing countries of Africa, Latin America, Eurasia and the Greater Middle East. He also serves as President and CEO of FINCA Microfinance Holdings, LLC, a first-of-its-kind, socially-responsible investment partnership for microfinance, formulated to strike the right balance between attracting capital needed for expansion and protecting the integrity of FINCA's charitable mission. Mr. Scofield co-founded FINCA in 1984 with John Hatch, and has served as its President and CEO since 1994. Under his leadership, FINCA has grown from 60,000 clients and a loan portfolio of $5 million to a true global presence serving more than 950,000 low-income women and men across five continents with a loan portfolio exceeding $500 million. A practitioner at heart, he is actively involved in the management of FINCA's operations, and is also a frequent keynote speaker. As the author of The Social Entrepreneur's Handbook: How to Start, Build and Run a Business that Improves the World, Mr. Scofield seeks to inspire the next generation of microfinance leaders and social entrepreneurs.
Prior to FINCA, Mr. Scofield served as the CEO of Rural Development Services, a consulting firm, and country program director of the AFL-CIO's Labor Program in El Salvador. He earned two Masters of Arts degrees in agricultural economics and public administration from the University of Wisconsin, as well as a Bachelor of Arts from Brown University, and served in the Peace Corps in Guatemala
Tom Shaw
Senior Technical Advisor, Microfinance
Catholic Relief Services
See Bio
Tom is Senior Technical Advisor of Microfinance at Catholic Relief Services, the official international humanitarian agency of the U.S. Catholic community. Through aid work, microfinance and host of other support programs, Catholic Relief services works to achieve its mission of promoting human development. Tom holds a Masters degree in Rural finance from Ohio State University.
Richard Shumann
Senior Technical Specialist
CHF International
See Bio
Richard Shumann is the Senior Technical director at CHF International, an international development and humanitarian aid organization that partners with communities in developing countries to empower citizens to directly improve their livelihoods. They do this through micro lending, economic development, home financing and infrastructure support. Prior to is work at CHF, Shumann served as Director of Marketing and Product Development at ACCION International. His experience also includes work at ACDI/VOCA, Save the Children, The World Bank, and the Peace Corps. He earned an MPA from Princeton University and a BA in Economics from Macalester College.
Arbind Singh
See Bio
Arbind Singh is an Indian social activist. He founded Nidan, a non profit organisation for informal labor. It operates in Bihar, Uttar Pradesh and Rajasthan. He greatly improved the bargaining power of the street vendors with the state governments.
Frances Sinha
Managing Director
EDA Rural Systems
See Bio
Frances Sinha , managing Director at EDA Rural Systems, has 25 years of experience in development based in India, working in countries of Asia and Africa. He is experienced in microfinance, Micro-enterprise, NGO programs, and, Social Development. EDA is a development consulting organization specializing in development research, sector studies, advisory services, impact assessment, Social Performance Assessment and Social Performance Management. Sinha studied at the London School of Economics
Carmen Velasco
Cofounder and Director
Pro Mujer
See Bio
Based in Lima, Peru, Carmen serves as a Pro Mujer Ambassador throughout Latin America and Spain, and is a key member of the organization's Development and Communications team. From 1995 to 2007, Carmen served as Country Director for Pro Mujer in Bolivia and under her leadership, it achieved a worldwide reputation for excellence. Carmen helped develop the training programs in business development, empowerment and health that would form the basis of Pro Mujer's integrated services. During her tenure, she has also been responsible for providing technical assistance to the organization's operations in Argentina, Mexico, Nicaragua and Peru. In addition to her responsibilities with Pro Mujer, Carmen currently serves on the Executive Committee of the Social Performance Task Force for the Microcredit Summit Campaign. Previously, she served on the board and later as President of FINRURAL, an association of microfinance organizations in rural Bolivia. In addition, she previously served on the board of ProCosi. In 2007, Carmen won the "business Woman Award" from the Veuve Clicquot initiative for economic Development in France. Prior to co-founding the organization, Carmen taught Educational Psychology at the Universidad Católica Boliviana. She holds a Bachelor of Arts degree in Special Education Pedagogy from the Universidad de Chile and has also completed postgraduate studies at the Boulder Microfinance Institute and Harvard University. In 2007, Lynne and Carmen were jointly recognized as "Community Crusaders" at the annual "CNN Heroes: An All-Star Tribute" ceremony.
Rolando Virreira
See Bio
Christina Washburn
Advisor, Human Capital and Brand Management
CHF International
See Bio
Christina Washburn is the Human Capital and Brand Management Advisor at CHF International, an international development organization that works in conflict-affected and developing countries. Prior to her current role, she served as technical advisor at CHF and also a TA of Microfinance and Development at Johns Hopkins School of Advanced International Studies. She earned a BA in International Development & Translation from McGill University.


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Applying a Colour Wash
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subset: commoncrawl


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God Ate My Homework
God Ate My Homework was a band formed by UC Berkeley students in 1997. At the time MP3 was still an emerging technology; Winamp was first released the previous year, MP3.com just started, and the RIAA sued to prevent the release of one of the first portable MP3 players, the Rio. Most downloaders relied on dial up connections, and Napster wasn't released until the next year.
GAMH took advantage of the technology to distribute their own music, which might not have otherwise found a wide audience since they lacked a recording contact.
All of their music was released under the
Free Music Public License
, which band member James Ensor wrote. The gist of the license is that the music may be free distributed given the recipient gets a copy of the license and credit is given to all contributors to the music. There is a
local copy
of the license.
Unfortunately, their web site disappeared long ago and it has become increasingly difficult to find copies of their songs. As a fan, I set up this page to offer those songs that I have copies of for others to download. If you happen to have any that I am missing, please contact me so that I might put them here as well.
Bates Motel
Communist Party
I Saw Bill Gates (on IRC)
Insomniacs Nightmare
International Klein Blues
International Klein Blues (remix)
Pirate This Song
Secret Asian Man
She Was Probably a Guy
Target Audience
or, grab a
ZIP file
of them all
The Band
Earl Grey T
Copyright MMIX, MMXII
Austin Cross
. All MP3s linked to are copyright God Ate My Homework and licensed under the FMPL. Feel free to redistribute them under the terms of that license, but do not hotlink to them on this site.


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Girls Basketball
To register, please go to: https://somersnygbb.sportssignup.com/
SYSO is an all-volunteer, non-profit organization dedicated to promoting, organizing and administering youth sports programs for the children of Somers. The Philosophy of SYSO is to encourage a healthy level of competition while stressing safety and participation for all, regardless of skill or ability. This is accomplished through programs that are both recreational and educational for children and their parents. If you are interested in learning more about the ways you can help, please contact the Commissioner.
Girls In Town Basketball 2012-2013
Our leagues for 2012-2013 will consist of the following divisions, play is anticipated to begin between late October and the 2nd week in November.
- 2nd -3rd Grade Clinic – Introduction to the game. Participants are taught basic individual and team skills. Live scrimmage situations. Clinic is held at Primrose School on Monday evenings and Saturday mornings. Jamboree – Tournament at end of year. For additional information contact: League Director Dominick Giudice 914-412-2077, email@example.com
- 4th- 5th Grades – Clinic/Instructional at start up escalating to league play. Standings for league recorded. Jamboree – Tournament at end of year. Games and practices will be held on Thursday evenings and Saturday mornings. Site TBA. For additional information contact: Commissioner Chris Vitale at email@example.com
- 6th – 9th Grades – Clinic/Instructional at start up escalating to league play. Standings for league recorded. Jamboree – Tournament at end of year. Games and practices will be held on Monday and Thursday evenings . For additional information contact: League Director David Henue, 914-299-7843
S.Y.S.O. Girl's Basketball League Mission Statement
To encourage fitness, healthy lifestyle choices and team spirit through proper and safe play of the game of basketball in a safe environment. To promote a sense of fair play and group participation in striving to achieve a common goal while creating new friendships and fortifying existing ones.
Every effort is made to assure all players equal playing time. Teams in each division should have a competitive game each week. Parents, players, coaches and referees representing SYSO all bring their best attitudes to the basketball court before, during and after practices and games – POSITIVE COACHING & GOOD SPORTSMANSHIP! These are our guiding principles.
There are several winter sports and try as we may, unavoidable conflicts do occur between sports programs. When you register, you become part of a team. Unless special circumstances apply you are expected to be present at all practices and games. The number of players assigned to each team is based on the total number of registrants. Enrollment in the league is a commitment. If you are assigned to a team and fail to attend sessions your teammates and the league are affected negatively. Please register your child only if you plan for them to attend all games and practices.
Please contact Chris Vitale (firstname.lastname@example.com) for more information


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MAGIX Photo Manager Deluxe automatically finds all the pictures on your PC and allows you to import from your scanner or direct from your camera. Files that have already been imported are automatically skipped.
Formatvielfalt, inkl. RAW-Dateien
View photos, videos and even RAW files (raw data) from over 590 camera models.
The following image formats are supported: JPEG, TIFF, BMP, GIF, PSD, PNG, TGA etc.
Intelligent selection
The selection wizard uses innovative image analysis to sort out poor shots, image doubles and blurry scenes. You can specify the number of images and whether, for example, people should be preferred during the analysis.
Save additional information
In order to help you quickly find images and never forget important facts, you can easily add meta data to your images: Name, rating, experience, location, etc.
Find duplicates
Save storage space on your PC and organize your photo collection better by deleting duplicate motifs. The program runs a detailed analysis of image contents, such as color and forms, to find similar photos.
Face recognition (FaceID)
The automatic face recognition feature detects faces and allows you to assign names to them, so you can find photos of specific people or groups.
Automatic backup copies
Optionally, your personal Photo Manager can regularly remind you about backup copies. You can then burn photos you haven't already backed up to CD or DVD.
Password protection
Protect your data from unwanted access with a password. This is highly recommended when exchanging your images over the Internet.
Quick image optimization
Optimize brightness, contrast, color, and sharpness with just a couple of clicks. You can also easily remove red eyes and cut your images.
Photo effects
Use the tilt-shift effect to create enchanting miniature landscapes. The filter package also includes Lomo effect, Color Splash, Drawing and Little Planet.
Panorama Montages
Create panoramas from up to eight individual images. Photos are aligned and transitions are added automatically.
Perspective correction tool
Avoid leaning buildings. Correct perspective distortions with just one click.
Batch processing
You can easily optimize and change file names, dates, etc. from several photos at the same time.
Save your individual settings for image quality, your camera model and special lighting conditions as a template.
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Display your photos with music and effects, such as zooms and tracking shots. The mouse "laser pointer" is ideal for pointing out details during presentations.
Additional slideshow templates
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Various viewing modes
Adjust the display of your images any way you want: A framing grid with or without text, film strip, with all details or as a simple list.
Automatic sharpening
The image sharpness can be automatically optimized in display mode and you can choose between different degrees of sharpness correction: slight, medium or strong.
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Design high-quality photo albums however you want: Set the format, select your pictures, add text, and have them printed for a low price – that's all there is to it. Or experience your images in razor-sharp quality on premium photo paper.
* This offer from MAGIX Online World applies to the optional Online Album Premium which can be used for free for a 12-month period from the date of registration. After the free trial period, the service can be renewed based on the terms and conditions that apply at the time of the renewal (£1.99/month as of September 1, 2014).
** Initially 100 GB is included in the offer, this can be expanded by 2 GB per month if necessary.


text:
about us
workshops & special events
contact us
frequently asked questions
Don't I have to be flexible to be able to do yoga?
A: Absolutely Not! Flexibility comes with time, patience and body type- some people are very flexible naturally and flexibility is never an issue. (Though often for this body type strength may be). Most of us though are not super bendy, even with years of a yoga practice. Therefore every posture is taught bearing this in mind. The most important point of a yoga practice is to find out what your body wants and needs...not to be the most pretzel like person in the class!
What should I wear to class?
A: Comfortable clothing that you feel free to move, stretch AND sweat in. You can really work up a sweat while practicing so you might want to layer so you can take items off as you start to warm up. It is not customary to wear socks while practicing, so please be prepared to "disrobe" those feet!
Do I have to sign up for class beforehand, or can I just come?
A: No pre-registration is necessary. If it is your first time to the studio however, you might like to come about 15 minutes early to familiarize yourself with the studio, fill out our registration form, meet the teacher and ask any questions you may have.
Do you have mats?
A: Yes we do. We also have blocks and straps. Though the mats are cleaned after every use, you may want to think about investing in a mat if you start practicing on a regular basis....though we talk about "non-attachement", you will be amazed at how quickly you grow to love your mat! Not all mats are the same, and you might realize that you have a preference about what you want in a mat and want some guidance. Every yoga practitioner has a different opinion about what kind of mat they like to practice on and why, so ask around....our instructors (and other Shambhala students) will be more than happy to help you out when choosing a mat.
Huh, what did the instructor just say? Why does everyone seems to know exactly what is happening but me...even in the fundamentals class?
A: Don't stress! There is a learning curve for everything new you try, and yoga is no exception. Our instructors know that and will help you out when you need it. Just remember that EVERYONE in class was in the same place in the not too distant past. You will be amazed at how quickly you learn the terminology and flow. Our bodies have amazing muscle memory.
What do classes cost, can I pay by credit card, are you open today, what is your schedule, what is that class all about?
A: All of the above is answered on the website. We keep everything up to date schedule wise up to 45 minutes before class- so if you ever have a question about if we are having class (this includes weather related questions) just check the website...the red message on the top of the schedule will alert you to any last minute changes. We do take credit cards and soon you will be able to pay on the website.
5 Class Card
(2 month expiration)
3 classes $30
(3 week expiration)
10 Class Card
(3 month expiration)
Unlimited Monthly
Credit Cards accepted (Visa & Mastercard)
Private sessions available by appointment


text:
Schools throughout West Michigan have canceled classes today because of a wet, heavy snowfall.
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The Annual Fund at Columbia College Chicago is built around the collective spirit of giving. Committed to the belief that a community flourishes according to the commitment of each of its members, Annual Fund donors at Columbia support the institution at the most fundamental level.
As an essential element of everything Columbia does, the Annual Fund is unrestricted, which means gifts can be used wherever the greatest need for them exists. Thus, the Annual Fund: supports innovative student programming; provides vital financial assistance to those who might not otherwise be able to continue their education; and offers infrastructural support—like upgraded multimedia classrooms, cutting-edge software, and expanded learning and performance spaces—to the entire campus community.


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You want to talk about solar leasing vs. buying a solar energy system or how to finance your system. Talk about rebates, credits, PACE, FIT, SRECs, property tax credits. Post your question here, but remember that incentives are constantly changing!
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Vix designer Paula Hermanny's collections are inspired by her Brazilian homeland, and the result is a vibrant lineup of swimwear with chic cuts and glamorous color and print. We love these black and ivory bikini briefs with a note of gold hardware. Complete a fabulous beach-ready set with the matching bikini top.
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Why Read This ReportIn a recent survey of the European Interactive Agency Peer Research Panel (IAPRP), Forrester learned that project management is clearly a mission-critical issue: Clients considered it a key element of their Web design partner selection criteria, and agencies are changing en masse the way they approach the project management process. But the real key to getting project management right and to avoiding costly overspend is to put highly experienced project managers at the helm of a project — both at the client and on the agency side.
Tags: Agile, Application Development, Application Development Methodologies, Application Development Processes & Tools, Customer Experience Management, Design & Usability, Digital Marketing, Interactive Agencies, Management & Organization, Program & Project Management, Project Management Tools & Processes
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An Experience In Unique Mozambique
Thursday, January 28, 2010
This week, the Globe summarized what traveling ought to be, no matter where you go: experiencing authentic culture. Although Northern Mozambique may be a haven for the elite, true culture can still be experienced at Mozambique Island, a UNESCO-protected island.
Leaf, with help from his host, Luis, decided to savor dinner at the night market with the locals. Once there, not only did he get a delicious meal, but he got to observe what makes Mozambique truly unique. "In the square we find a chaotic scene of laughing kids, flickering firelight and old women trading stories while grilling ears of corn."
Sounds peaceful to me.
Not only did he describe the food as amazing, but the architecture holds some interesting history. The 17th-century governor's palace was built with a Mediterranean feel with hopes that the King of Portugal would arrive. Apparently, they waited for 400 years, and still nothing.
The overall experience must have been magical, and at times even rustic. Nevertheless, sounds like an ideal way of travel: doing more than just seeing it.
By Brit Weaver
About the Author
Toronto born and based, Brit is an avid leisure cyclist, coffee drinker and under-a-tree park-ist. She often finds herself meandering foreign cities looking for street eats to nibble, trees to climb, a patch of grass to sit on, or a small bookstore to sift through. You can find her musing life on her personal blog, TheBubblesAreDead.wordpress.com.
http://www.borderjumpers.org Danielle Nierenberg
Just an FYI, wanted to share a opinion we did this week for Huffington Post (please feel free to cross-post) about our travels in Lilongwe, Mozambique. We blog everyday from all over Africa at a website call Border Jumpers (http://www.borderjumpers.org) and for the Worldwatch Institute's Nourishing the Planet (http://blogs.worldwatch.org/nourishingtheplanet/)…
Here is the link: "1,000 Words About Mozambique"
All the best, Bernard Pollack and Danielle Nierenberg


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The Five: Characters I'd love to be
by Bob Sassone, posted Jan 9th 2006 7:10PM
I don't have a bad life, but there are just so many characters on TV I'd love to be. Here are the top five:
- Rob Petrie (The Dick Van Dyke Show): Writer for a hit TV show in New York City by day, and then he comes home to an ultra-cool home at night to eat dinner with Mary Tyler Moore. I want to be Rob Petrie.
- Thomas Magnum (Magnum, P.I.): I'm not even a warm-climate sort of guy, but I can imagine being a private eye (sorry, private investigator, as Magnum himself would correct me) on Oahu, living on an outrageous estate with my own private quarters and a red Ferrari. Yeah, I can picture that.
- Bugs Bunny: Independent wise-ass. I'd probably put on some pants though.
- Kelly Robinson or Alexander Scott (I Spy): To travel around the world on someone else's dime, drinking and swingin' and fightin' spies. Sounds cool to me.
- Charlie (Two and a Half Men): This guy never seems to be doing his job (writing commercial jingles) because he's too busy drinking and bedding beautiful women, but he still seems to make a boat load in cash. Sign me up.


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Steam Accessories
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Vapour Absorption Systems
Industrial Boilers
Absorption Machines
Industrial Valves
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Engineering Consultancy Solutions
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Industrial Components
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Power Plant Solutions
Annual Service Contracts
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Vapour Absorption Systems
Ammonia Vapour Absorption Machine
Thermax Ammonia vapour absorption machine can utilise various heat sources like steam, hot water, fuel and exhaust. These machines are used for serving the negative chilling demand (below 0ºC) and can achieve chilled water temperature as low as -60ºC. The capacity of these machines ranges from 50 to 450 TR for standard packaged units and up to 1000 TR for custom built design units. Thermax Ammonia vapour absorption machine find applications in industries like: chemicals, pharmaceuticals, dairies, ice production, food processing and cold storages, to name a few. Ammonia as a refrigerant has zero global warming potential and therefore these absorption machines, like Lithium bromide machines, are based on an eco-friendly technology.
Fuel Driven Vapour Absorption Machine
Fuel driven direct fired machines, unlike steam or hot water driven machines, have a furnace where a variety of liquid or gaseous fuels can be fired to drive the vapour absorption cooling process.
Operating Range:
- Capacities: from 40 to 1500 tr
- Chilled water temperature: up to 3. 5ºc (0ºc for brine)
- Heat Source: natural gas, liquid petroleum gas (lpg), compressed natural gas (cng) & high speed diesel (hsd)
Direct fired vapour absorption machines find their application in hotels, restaurants, cineplexes, offices, shopping malls, school buildings or industries where steam or hot water is not generated.
Steam Driven Vapour Absorption Machine
Thermax steam-driven vams are available in single effect and double effect modes. In steam-driven chillers, the source of heat is saturated steam at pressures in the range of 0. 5 kg/cm2 to 10 kg/cm2. Single effect steam driven machine in the single effect machine, the gain in concentration of the absorbent is achieved in single step, i. E. , it has only one generator.
Operating Range:
- Capacities: from 50 to 2000 tr
- Steam pressure: from 0. 6 to 3. 5 kg/cm² (g)
- Chilled water temperature: up to 3. 5ºc (0ºc for brine)
- Heat source: steam
Heat Pump
- Heat pumps drive heat from a lower temperature to medium temperature, using high grade energy.
- Thermax heat pumps utilise steam, hot water, exhaust, fuel, geothermal energy or any combination of these heat sources, to pump heat. Heat pumps save approximately 35 % of heat energy.
- Thermax heat pumps are extensively used Scandinavian countries for heating applications. Heat pumps are also used in industries like: textile plants, edible oil, food, auto & white goods, etc.
- Heat pumps can also be used for feed water applications, for furnace oil fired boilers. Thermax has over 100 MW capacity of heat pump installations to its credit, installed across the globe.
Solar - Based Cooling
As a B2B solution provider in the core areas of energy and environment, Thermax is committed to the development of sustainable alternatives for the industry to manage resources productively and without waste.
The radiative energy from the sun that keeps our planet warm exceeds by far the current primary energy supply used by mankind for its comfort, leisure and economic activities. It also exceeds vastly other energy sources at ground level such as geothermic or tidal energy, nuclear power and fossil fuel burning.
Indeed, the prospects of climate change and, eventually, fossil fuel depletion, trigger a growing interest in renewable energies in general, solar energy in particular.
Solar parabolic concentrators generate hot water at temperature as high as 140oC and saturated steam at 3-4 bar pressure.
Thermax's core strengths in heating can offer single point optimised solution to meet total requirements with turnkey execution for various applications.
- Boiler feed water preheating.
- Washing in laundry.
- Space heating.
- Oil preheating.
- Paint shop metal pretreatment.
- Milk pasteurisation.
- Steam cooking.
Super Large Vapour Absorption Machine
Thermax super large vapour absorption machines can utilise various heat sources like steam, hot water, fuel and exhaust individually or simultaneously in any combination.
Operating Range:
- Capacities: From 2000 to 4000 TR.
- Chilled water temperature: Up to 3.5ºC (0ºC for brine).
- Heat source: Exhaust gas, steam, hot water & liquid/gas fuels (individually or in combination).
The super large vapour absorption machine is especially designed to address large cooling needs arising from rapid growth, urbanisation and district cooling. The unique design of these machines are based on the Twin shell concept.
To,Thermax Limited


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by Norbert J. Michel
The Heritage Foundation
January 30, 2014
The Federal Reserve is the official central bank of the United States and is responsible for U.S. monetary policy (altering the amount of money in an economy to promote economic growth and stability). This paper provides a brief overview of the Fed's structure, purpose, and operations and discusses the implications of its recent policies. In general, the Fed conducts monetary policy by buying and selling securities, such as U.S. Treasuries. Since at least the 1950s, the Federal Reserve has actively tried to stabilize the private economy and thus calm business cycles, but the evidence suggests that the Fed has been largely ineffective at accomplishing its goals. The Fed's 100th birthday offers a perfect time for Congress to assess its overall effectiveness, ideally by forming a formal congressional commission.


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- Vanderbilt Magazine - http://www.vanderbilt.edu/magazines/vanderbilt-magazine -
Johnson Retires as Football Coach
Posted By Vanderbilt Magazine On August 22, 2010 @ 12:25 pm In Sports, Summer 2010 | No Comments
Bobby Johnson retired as head coach of Vanderbilt football July 14, a decision that took the Vanderbilt community by surprise.
"This is Bobby's decision," said Vice Chancellor David Williams of the announcement. "When he informed me, I tried to talk him out of it. I was shocked. We love Bobby Johnson … but we respect his decision."
Johnson said his sudden retirement resulted from a variety of personal reasons and stressed that no health issues are involved. "After much thought and consideration from everyone involved, I've decided to retire, not resign, from college football coaching," Johnson said at his press conference. "Obviously, this was a very tough decision with which my wife, Catherine, and I struggled. It has to do only with our lives and not with Vanderbilt football."
Robbie Caldwell, formerly assistant head coach and offensive line coach, has been named head coach. He has spent eight years with the Commodores and has more than 30 years of experience as a college coach.
Article printed from Vanderbilt Magazine: http://www.vanderbilt.edu/magazines/vanderbilt-magazine
URL to article: http://www.vanderbilt.edu/magazines/vanderbilt-magazine/2010/08/johnson-retires/
Click here to print.
Copyright © 2009 Vanderbilt Magazine. Vanderbilt University All rights reserved.


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TechMom Tuesday: How To Keep Kids Out of Your Data
"Mommy? Can I play Jake on the iPad?"
I prefer the iPad to the television. There really are some very nice learning apps for TechTots, such as Wheels on the Bus and Jake's Neverland Pirate School, based off the Disney Jr. show (YOHO!). The games are interactive and less likely to drive TechMom nutty.
But even as much excitement as the apps provide, the allure of pushing buttons is often much greater.
The majority of our iDevice time is usually spent saying, "Good job matey! You found the monkey and earned a gold dubloon. No, don't push that button. No!
With iOS 6, Apple introduced Kid Mode – ability to lock a device into an app. And the angels sang.


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Turkish court says bishop's killer acted alone
Catholic World News - June 11, 2013
The 2010 murder of a Catholic bishop in Turkey was the work of a lone individual, not a group or religious faction, a Turkish court has ruled.
Bishop Luigi Padovese was stabbed by his driver, Murat Altun, "for uncertain reasons," the court inquiry concluded. As possible motives, the inquiry cited reports that Altun was depressed and unconfirmed claims that the bishop had sought to convert him to Christianity. While saying that it was impossible to establish a clear motive, the court said that it was clear Altun had not planned the killing in advance.
Catholic Church leaders in Turkey had pressed the government for a thorough investigation of the bishop's murder. Some had suggested that the killing was prompted by Islamic extremism, and cited the report that after stabbing Bishop Padovese, Altun had shouted, "Allah Akbar." Others questioned why Altun had been recommended by government officials to be the bishop's driver.
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Microsoft keeps struggling to move people from Windows XP to a newer operating system, so today the company rolled out a downloadable gadget that counts the days left until end of support arrives.
Windows XP will be officially discontinued next year on April 8, so Microsoft hopes that with the countdown gadget more users will know that they have to jump ship and abandon Windows XP.
Paradoxically, the gadget works only on Windows Vista and Windows 7 so, just like WindowsObserver writes, there's no support for Windows XP at all.
"Looking to get off Windows XP? Use this handy gadget to count down the number of days until Windows XP End of Support (EOS) in 2014," Microsoft says in the description of the app.
As usual, simply download the gadget and, in case you're running Windows Vista or Windows 7, just try to launch it and all files will be automatically installed on your computer.
Update: it turns out that this gadget isn't actually new, but Microsoft has recently reposted it on its main Download Center page. And given the fact that the company still strives to move people from Windows XP, it's definitely worth a look.


text: (Nuclear Regulatory Commission) [ Controversial Environmental Group Pushes for Early Shutdown of Hanford Nuclear Reactor By John McKay April 25, 2013 According to this group, power from the Columbia Generating Station at Hanford is not needed. Read More|Comment Category: News, Newsletter, Politics Tags: columbia generating station, hanford, nuclear Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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Wal-Mart Announces Initiative To Hire Any Veteran That Wants A Job
Protesters stage a demonstration outside the National Retail... Photo d'actualitéAffaires,Armée,Culture d'entreprise,Emploi et travail,Finance,Horizontal,Manifestant,Manifestation,New York City,Politique,Président,États-Unis,ÉvénementPhotographer John MooreCollection: Getty Images News 2013 Getty ImagesNEW YORK, NY - JANUARY 15: Protesters stage a demonstration outside the National Retail Federation convention after William Simon, president and CEO of U.S. Wal-Mart Stores Inc spoke at the event on January 15, 2013 in New York City. Simon announced that Wal-Mart, the nation's largest retailer, will hire every military veteran who wants a job, provided he or she has left the service in the previous 12 months and did not receive a dishonorable discharge. The pledge represents the largest hiring commitment in history for veterans, who have a higher unemployment rate than the rest of the U.S. population. (Photo by John Moore/Getty Images)


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Arizona woman gets probation in forced labor case
FLAGSTAFF, Ariz. — A Flagstaff woman will be on probation for five years
after running what federal investigators called a "modern-day slavery"
operation out of the family's wedding boutique and lingerie store.
The Arizona Daily Sun reported a final deal with Huong Thi
"Kelly" McReynolds was filed Wednesday in U.S. District Court in Phoenix.
The owner of the I do! I do! Wedding Boutique and lingerie shop was ordered to pay
seven named victims a total of $156,000 in 60 monthly payments.
McReynolds and her ex-husband were arrested in July 2011 along with two other
family members. They were accused of forced labor and money laundering.
She pleaded guilty to one misdemeanor offense for violations of the Fair Labor
Standards Act. The other family members also got plea deals that didn't include
jail time.
Information from: Arizona Daily Sun, http://www.azdailysun.com/


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Tag Archives: iphone
iPhone 4 hits the stores
Posted on24. Jun, 2010 by Ann-Marie.
The world's thinnest, sleekest smartphone hits the shelves in the UK today and has to be the most innovative iPhone yet in terms of it's design and structure. With people queuing over night, and in some cases all week, it's bound to be the most successful handset of the year but does it have the credentials to warrant such demand? […]
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Tom Tom iPhone car kit
Posted on05. May, 2010 by Ann-Marie.
For the first time since it's launch last year, the TomTom iPhone car kit is now available for sale outside of the Apple marketplace and we've been lucky enough to secure stock to bring directly to you. All very well and good you say but is it worth it?
I can't fib, at £99, the price is a little bit scary and is pretty much the first thing you notice about the car kit. You could, after all purchase a complete stand alone satnav and an iPhone windscreen mount for the same price so there has to be something outstanding about it to make the money seem worth it right?
The inbuilt GPS receiver on the iPhone doesn't exactly set the world on fire, I guess it's too busy being a phone to pretend to be a super-duper satnav too. Forgivable yes, but when you consider that you pay £60ish for the TomTom application you kind of expect it to be able to function as a satnav. If you've got difficulty obtaining a GPS signal then that £60 is starting to look a bit like a bad investment isn't it? Fret for your hard earned pennies no more. The TomTom iPhone car kit has an inbuilt GPS receiver (a SiRFstar III no less), turning your iPhone into a veritable homing beacon for satellites. The inbuilt GPS receiver features on some of TomTom's finest standalone models like the Go 910 for example meaning you should experience a significant improvement in the performance. What does this mean for your iPhone? A drastic minimisation in lagging and turn by turn directions meaning fewer route recalcs and a vast reduction in confusion and stress for you. Bonus.
So you've got good reception and you can get to where you want to go but as we all know, with the iPhone battery leaving a lot to be desired, you'll probably only get about half way into your trip and it'll run out of steam. Not the case with the car kit. Whilst its snugly holding your beloved phone it gives it the juice it needs to see it through the day. In fact, even if you're not running the TomTom application the TomTom iPhone car kit will still act as an independent charger ensuring you're never caught short. Battery wise that is. Unlike other windscreen mounts available for your iPhone the TomTom car kit can be rotated a full 360 degrees so that you can adjust it the optimal viewing position for yourself, whether you want to see the road ahead in portrait, landscape or set the world on it's side it's all possible to do with the very easy to manoeuvre car kit.
The TomTom car kit also features a TomTom speaker which is yet another bonus. The speaker not only means crisp, clear spoken instructions for your TomTom app but paired with the in-built microphone, it also means the facility for hands-free calling while you drive. The navigation stops when you answer a call and picks up again once it's finished though so if you get a call while you're lost my advice would be, dont answer it.
So the TomTom iPhone car kit, it looks good, it takes care of your iPhone, it charges your battery, boosts your signal and overall greatly improves the performance and experience of the TomTom iPhone app but still, is it worth the money? With everything it's dependent upon personal circumstances but for me I'd have to say yes. I mean you wouldn't trick your Porsche out with kit from the penny market would you?
You bought the iPhone, you love the iPhone so why not let TomTom help you spoil your iPhone?
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Navigate to your destination with the new MobileNavigator iPhone app
Posted on16. Jun, 2009 by Derek.
Following TomTom's recent demonstration of their new navigation application for the iPhone, Navigon have confirmed that they will be releasing their very own MobileNavigator iPhone application this June.
The new navigation software will run on iPhone OS 3.0 for the iPhone 3G, and will allow the device to be used as a fully functional sat nav device. Egon Minar, CEO of NAVIGON AG commented, "With the new OS 3.0 operating system, Apple has made the use of navigation software on the iPhone possible, and NAVIGON has quickly managed to adapt the MobileNavigator software to the new firmware. The iPhone can now be transformed into a versatile, fully functional navigator."
The standard user functions of the iPhone will integrate seamlessly in order to make navigation using the iPhone intuitive, and user-friendly. Turn the iPhone 90 degrees, for example, and the display will automatically switch from portrait to landscape view. The software also boasts intelligent address entry, as well as the option of navigating directly to an address from saved contacts. Plus, if navigation is interrupted by a telephone call then navigation is resumed automatically after the call has ended.
According to Egon Minar, integrating the iPhone's functionality in this way "…allows iPhone users to navigate wherever they are, whenever they want – conveniently and while on the move."
The MobileNavigator app will be available in the international AppStore this June, and will come in two different versions. The LITE Version will be available for free download, with no active route guidance, but with map material and the possibility to display POIs (points of interest) in the vicinity. The full version requires payment and will include well-known functions such as Reality View Pro, Real Roadsign Pro, Lane Assistant Pro, Speed Assistant, Day & Night Mode, amongst others, as well as the option of displaying POIs along the route.
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TomTom develops turn-by-turn navigation for the iPhone
Posted on11. Jun, 2009 by Derek.
TomTom recently demonstrated their new navigation software in combination with a specially designed car kit for the iPhone at the Apple Worldwide Developers Conference in San Francisco on June 8th, 2009.
The TomTom navigation application for iPhone is an Apple version of TomTom's award-winning turn-by-turn navigation software, and includes IQ Routes and the latest maps from Tele Atlas, whilst the specially developed TomTom car kit for iPhone provides secure docking, enhanced GPS performance, clear voice instructions, hands-free calling and in-car charging.
Available via the Apple iTunes App Store, the TomTom navigation application for iPhone will be available following the release of Apple's OS 3.0 operating system. Details regarding pricing and availability for both the application and the TomTom car kit for iPhone will be released later this summer.