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Policies, Principles, and Polls: Bill Clinton's Third Way Welfare Politics 1992-1996
O'Connor, Brendon, The Australian Journal of Politics and History
In his 1998 State of the Union address President Clinton said: "My fellow Americans we have found a Third Way [...] [We have] moved past the sterile debate between those who say government is the enemy and those who say it is the answer." In fact, at least on welfare reform, during his first term Clinton pursued not a Third Way but signed into law far-reaching conservative legislation. In this article I consider why Clinton made this decision and whether his administration ever offered an alternative on welfare reform, and examine how Clinton's welfare politics from 1992-1996 opened the door to the passing of the Personal Responsibility and Work Opportunity Reconciliation Act in late 1996--legislation which set a five-year life time limit on welfare to solo-parents (2) and severely restricted Food Stamp entitlements. (3) Clinton's 1992 presidential campaign undoubtedly reignited the push for welfare reform in America. His promise to "end welfare as we know it" took up a Republican Party theme and made it central to his domestic agenda. Quite deliberately Clinton rejected the Democrats' traditional welfare liberalism (4) in favour of a new politics that is sometimes called the Third Way. (5) Clinton conceded that conservatives had been correct to criticise the results of the existing welfare system but he also argued that the government still had a role to play. To some, this reflected the pragmatism of Clinton and his Democratic Leadership Council (DLC) colleagues (6); to others, Clinton represented the hope that American liberalism could be reorientated to once again serve the disadvantaged. (7)
In retrospect, Clinton's liberal legacy was very limited. His ability to pass his own welfare proposal effectively ended with the 1994 Republican congressional victory. Clinton's chief welfare adviser David Ellwood left the administration after the 1994 elections, realising his welfare reform plan was no longer politically viable. Before 1994 health reform had been prioritised somewhat at the expense of developing and passing welfare reform legislation. Nevertheless, President Clinton's various welfare and workfare proposals between 1992 and 1996 were followed closely by policymakers across the Western world because they were linked to a broader Third Way movement.
Some see the Third Way as charting a course between conservatism and its counterpart (i.e. social democracy, liberalism or even socialism depending on the country). Others, largely advocates, see the Third Way as a project concerned with renewing and modernising social democracy. (8) This difference in interpretation is reflective of the tension between seeing the Third Way as a new set of policy principles as opposed to viewing it as merely an election strategy. (9) Clearly it is both of these things.
Although comparative analysis concerning the Clinton era has already been undertaken, this is often too glib about the significant differences between the US and the rest of the western world. (10) This point seems particularly important when addressing welfare policy because of the bifurcated nature of the US entitlements system with its significant rhetorical and administrative separation of welfare and social security. This separation reflects the distinct historical institutionalism of the US experience. For example, the oddity of having one of its key anti-poverty programs, food stamps, administered and determined by the Agriculture Department and Agriculture committees in the Congress points to this distinct history.
The other factor inhibiting comparative analysis is that the Third Way is generally seen as a project concerned with renewing social democracy, a tradition which has had a more limited impact in America than Europe. As a result, the Third Way in America is concerned with renewing or going beyond "liberalism." Part of the difficulty here is one of terminology. …


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- PeruRetailFunding via EDAPROSPO
San Isidro ...PeruFoodFunding via Asociación Arariwa
JuliaPeruRetailFunding via Asociación Arariwa
Jesús Pan De Vida Group
She sells beauty products, and also buys and sells products such as nougats, cookies, cakes, and other items. Thanks to her work she has improved the quality of life for her and her family.
She also says that six months ago, she started a new business that she set up in her home. It is a small general store, where she sells basic household necessities. This is the way Carmen has helped with the household expenses.
In the future, Carmen would like to finish building the third floor of her house, as she has plans to rent it. On this occasion, she applied for he loan in order to buy milk, sugar, rice, and toys to sell during the Christmas holidays.
The members of the "Jesús Pan de Vida" communal bank are grateful, and promise to continue working well with Programa Prosperidad.
Melina and Janet could not be present at the disbursement meeting due to work reasons.
Additional Information
About EDAPROSPOEDAPROSPO seeks to use micro-credit to foster productive commercial activity for the sake of economic and social development within vulnerable urban and rural sectors traditionally neglected by commercial banks. By offering innovative products such as technical education loans and microfinance groups for young people, EDAPROSPO helps disadvantaged Peruvians lift themselves out of poverty.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Peru
44View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Dec 13, 2011
- Listed
- Dec 19, 2011
- Currency Exchange Loss:
- Covered
- Ended:
- Jul 15, 2012

subset: commoncrawl


text: In-game marketing operations Systems suppliers continue to add to the range and quality of in-game player marketing interactions Charles Anderer May 2, 2016 No Comments "Can we do this better?" is the simple question that drives massive change in the permanent technology revolution. The quest for improvement works its way into every solutions-driven process on earth, and system-driven in-game marketing is no different. Read More


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Now that Thanksgiving is done we can focus solidly on preparing for the biggest holiday of the year: Christmas. And as Sam the Snowman (Burl Ives) noted above that means turning toward Silver and Gold. So how do they look?
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Vol 5, #1 - Spring 2011
The Culture & Conflict Review is an online peer-review journal produced by the Program for Culture & Conflict Studies, bringing you analysis of current events, policy, operations, and human terrain in South and Central Asia as well as other regions of the world. Premised on the belief that the United States must understand the culture and human terrain of other nations and peoples, we offer
commentary and analysis on issues of current interest to policy makers, military commanders, academics, and the
general public. We are particularly interested in issues addressing culture, anthropology, regional and identity politics, and the
contemporary role of U.S. forces in areas of conflict. New issues of The Culture & Conflict Review are published on a quarterly
Welcome to the Spring 2011 edition of The Culture & Conflict Review. We are very pleased to present you with an engaging selection of new articles on several timely and important topics.
In this edition of the Review, we present three feature article sections. Our first section, "Insurgency, Counterinsurgency & Reality," considers some new ideas, insights and observations, from the field as well as from theoretical analysis, on current insurgencies and counterinsurgencies from the Middle East and South Asia. In this section, Major Thomas M. Ross discusses the challenges of "muscular mentoring" and of applying COIN theory as prescribed in FM 3-24 to the battlefield realities of the war in Afghanistan; George Washington University's Chris Dallas-Feeney examines Hezbollah to help understand the role of legitimated power on the resilience of insurgencies which experience external shocks, and to investigate the payoff for investments made to legitimate their power prior to such shocks; and CCS researcher Barry S. Zellen discusses the roots and dynamics of the recent wave of people-powered uprisings across the Middle East and North Africa.
Our second section, "Afghanistan: Engagement & Disengagement," examines the war in Afghanistan, and challenges associated with our potential disengagement the conflict. In this section, Dr. Andrew J. Enterline and Joseph Magagnoli, both of the Department of Political Science at the University of North Texas, examine the timing and consequences of negotiating with the Taliban; and Varun Vira, of George Washington University, considers the consequences of an early withdrawal from the conflict.
Our third feature article section looks broadly a "Conquering Chaos: From Insecurity to Security," considering various challenges to the international economic, cultural, and strategic order. In this section, Lieutenant Colonel Frederick Choo of the Singapore Armed Forces and Dr. David A. Anderson, professor of Strategic Studies and the Odom Chair of Joint, Interagency and Multinational Operations at the US Army Command and General Staff College, consider the effects of China's historic WTO ascension on regional security; USAF Col. Michael F. Welch examines the international legal challenges of disaster response, peacekeeping ops, and cultural protection efforts in the Americas; and Brazilian Navy commander Osvaldo Peçanha Caninas discusses the international legal dimensions of modern maritime piracy on the high seas.
We also present a selection of new student theses, including that of our very own Matthew C. DuPée; and an update of recent publications from CCS researchers and its director, Thomas H. Johnson.
I. Insurgency, Counterinsurgency & Reality
Looking back on my time spent as the RCAC 3-5 Intelligence Advisor and Officer-in-Charge of ETT 7-3, I see where our actions coincided with the elements of sound counterinsurgency strategy and where they diverged; a closer look at FM 3-24 also reveals some omissions, specifically in the selection and training of advisors. Throughout the deployment, the COIN principle of unity of effort continued to surface, usually from the conspicuous lack of unity. It would be something that we continued to wrestle with until re-deployment. A lack of cultural and historic understanding would likewise hamper our efforts as advisors, although it was nearly uniformly commented on by our Afghan counterparts that the Marines had a strong understanding of Afghan history. Possessing a capability to learn and adapt was one of our pillars of success. When coupled with efforts to include external units in ANA bids for success, we may not have accomplished earth-shattering achievements—but we did avert some major catastrophes. [...]
Why are some mature insurgencies more resilient than others when subject to external shocks? This article examines the case of Hezbollah, to better understand the role of legitimated power on the resilience of insurgencies and to investigate the payoff for investments made to legitimate power prior to such shocks. As argued, due to stresses at various times in an organization's life cycle, organizations may be unable to provide historical levels of material goods yet followers and sponsors do not defect and in some cases may even increase their market share. Thus, in the wake of the Hezbollah's 2006 war with Israel, support for Hezbollah grew even though the organization's ability to provide important material support was severely degraded as a result of the war. [...]
An unexpected wave of people-powered insurgencies has erupted across the Middle East and North Africa, shaking the very strategic foundation of not only the Middle East region, but of the entire world order. To understand the transformative power of the people as manifested in this cascading series of popular revolts, and their potential for success against tyrannical regimes recognized as ruthlessly Machiavellian by even their closest friends and allies, a natural starting point is the very archetype of strategic nonviolence, Mohandas K. Gandhi, and his modern interpreter, Gene Sharp, a leading theorist of strategic nonviolence. [...]
II. Afghanistan: Engagement & Disengagement
The emergence of a negotiated settlement as the goal of the American-led allied military mission in Afghanistan raises several questions: How likely is a negotiated settlement with Taliban insurgents? How long will it take to conclude negotiations with the Taliban? What is the likely long-term byproduct of negotiating with the Taliban? How close will the post-settlement "facts on the ground" be to American goals in Afghanistan? How will the recent strategy change in OEF influence negotiations and the resulting short- and long-term consequences? We investigate these questions by exploring patterns of negotiations between foreign powers and insurgents in COIN wars during the twentieth century. Our analysis serves as a probe of the aforementioned policy questions, such that we are merely querying the historical record to gain an understanding of how counterinsurgent armies fared in negotiations with insurgents. This probe provides a foundation from which to develop a theory of COIN negotiations that we intend to pursue subsequently. [...]
The siphoning of Western blood and treasure on a deteriorating Afghan mission has revived a groundswell of support for withdrawal of coalition forces with the common misperception that coalition withdrawal will remove many of the catalysts for conflict. Unfortunately, a premature withdrawal, along the surge-and-exit paradigm that does not require a radically altered security environment, runs the real danger of failing to sate any of the coalition's rationales for intervention. Even with significant post-withdrawal commitments, a precipitous withdrawal is likely to witness significant institutional degradation and ethno-factional fragmentation alongside an insurgent resurgence and a reinvigorated transnational terrorist sanctuary. [...]
III. Conquering Chaos: From Insecurity to Security
On 11 December 2001, China was formally accepted as a member of the World Trade Organization (WTO), an event hailed as "a defining moment in the history of the multilateral trading system;" in the years since, China's rise as a political and economic power has been nothing short of meteoric, eclipsing Germany and Japan to become the world's second largest economy. The purpose of this article is to assess the impact of China's accession to the WTO on its overall growth momentum as well as its economic interdependency with other East Asian states, and establish a link, if any, with the evolving security environment in the region. By extension, the analysis will address the relevance of economic liberalism in the East Asian context and to what degree it enhances peace in the region. [...]
One of the lessons learned from the last year's earthquake in Haiti was that external responders did not have general knowledge of Haitian cultural sites, including Jacmel, which has been on Haiti's Tentative List for World Heritage nomination since 2004. Yet, protection of cultural sites is a need identified both through International Human Rights and Humanitarian Law, and is also important for religious significance, economic development, and many other reasons. The following article describes cultural property initiatives developed as part of a program to help meet the need for protecting these sites through coordination with governmental and non-governmental organizations, particularly with military and security officials of and Latin American States, through December 2010. [...]
Piracy is shrouded by misunderstanding and myth, fostered in part by Hollywood films that depict piracy in a romanticized fashion. But the activity is alive and well in our own time, and in recent years the number of attacks has grown, and drawn increasing attention of media and governments. This article is divided in two sections; the first explores the definition of the crime under the UN Convention on the Law of the Sea. The second deals with maritime issues that are particularly overlooked due to their technical nature, notwithstanding their importance in fighting piracy. [...]
IV. Student Theses
We are also pleased to share with you the following student theses:
The production of illicit narcotics in low-intensity conflict environments remains a serious concern for U.S. policymakers. Afghanistan is a solid example where the intersection of crime, narcotics production and insurgency has successfully thwarted U.S. stabilization and security efforts despite a 10-year military engagement there. This study explores political, economic and conflict related factors that facilitate the narcotics industry and forges cooperation between drug trafficking organizations and insurgent movements. A key argument is that nontraditional participants in narcotics production, such as insurgent groups or state representatives and institutions, acquire more than just profit and resources. Participants stand to gain political leverage, the social and political legitimacy derived from "protecting" the livelihoods of rural farmers, as well as "freedom of action;" the ability to operate unimpeded within a given territory or space because of public support. This study also suggests that one additional factor, social control, is a key motivator for an actor's participation in the narcotics industry. [...]
This research introduces and adapts the 25 techniques of Situational Crime Prevention for use in counterinsurgency operations. These techniques are based on a set of powerful theories within the fields of Environmental and Situational Criminology. Situational Prevention is a strategy that addresses specific crimes, or insurgent activity, by managing, designing, and manipulating the environment in a manner that seeks to increase the risk to the insurgent, while reducing the insurgent's potential reward for committing the act. The 25 techniques offer a practical means to apply these theories to the reality of counterinsurgency operations. Use of the 25 techniques would expand the repertoire of preventive countermeasures, and enable a security force to intervene in the causal chain events to prevent or reduce the occurrence of insurgent violence and crime. These techniques originate from five core principles: increasing effort, increasing risk, reducing rewards, removing excuses, and reducing provocations. [...]
V. CCS Publications
Lastly, we are pleased to share some new publications from CCS researchers and its director, Thomas H. Johnson:
This article describes and analyzes a little understood Afghan Taliban propaganda tool: chants or taranas. These melodic refrains effectively use historical narratives, symbology, and iconic portraits. The chants are engendered in emotions of sorrow, pride, desperation, hope, and complaints to mobilize and convince the Afghan population of the Taliban's worldview. The chants represent culturally relevant and simple messages that are communicated in a narrative and poetic form that is familiar to and resonates with the local people. They are virtually impossible for the United States and NATO to counter because of Western sensitivities concerning religious themes that dominate the Taliban narrative space, not to mention the lack of Western linguistic capabilities, including the understanding and mastering the poetic nature of local dialects. [...]
After decades of intra-state conflict, social and economic crisis, and external meddling, Afghanistan resembled a broken skeleton of its former self by the early 1990s. The ensuing chaos and banditry led to public demand for law and order. In response, a little known former resistance fighter named Mullah Mohammad Omar, and his Taliban (religious students) led a brief but well received campaign to rid southern Afghanistan's Kandahar region of its predatory commanders and bandits in the spring of 1994. [...]
Southwest Asia's robust illicit-narcotics industry is usually associated with Afghanistan, a narco-producing empire responsible for supplying 90 percent of the global supply of illegal opiates. However, the spillover effect from Afghanistan's booming drug industry is having a profound impact on Afghanistan's regional neighbors. [...]
On behalf of all of us at the Program for Culture and Conflict Studies (CCS), please enjoy our latest edition of the The Culture and Conflict Review.
As always, we welcome your comments and suggestions as well as submissions of articles and op-eds for our future editions.
Look for our special Earth Day 2011 issue on climate security, coming the week of April 22nd. We'll see you then!
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Product Details
Style: G0751101
Take the tour out of bounds in the Volcom Highscraper T.D.S.™ GORE-TEX® Snowboard Jacket. This men's jacket is made with GORE-TEX® so you can literally forget about getting wet. Snow, rain, and sleet are pushed right off the surface of the fabric before they can wet it or make you cold. The Volcom Highscraper is a shell jacket, but it has the Volcom T.D.S. lining system that strategically places insulation zones throughout the core to add warmth where it can do the most good. Open up the jacket and you can see more than 6 areas where insulation has been placed interspersed among shell zones to minimize bulk. The result is a new level of comfort that doesn't compromise mobility.
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The Madonna 106 & Park video has been released and it's good. Madonna appeared on the TV show "106 & Park" this week.The video shows some big differences for Madonna. First, she's not using that annoying fake accent anymore (did someone finally get to her and tell to stop using that?).
Second, she looks fun and fresh and coo and downright z-exyyy compared to lackluster magazine shoots lately that have made her look like something you would hang in a frame rather than get down and party with.
This was a great, great interview, probably the best of Madonna we've seen in a while. Catch the awesome Madonna video below, it's so good. Recently the singer has been under online criticism of failing to do tv appearances to promote her album "Hard Candy", her last with Warner Brothers.


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Acorn Annika Mule Slipper - Women'sView Larger Image
Whether you find yourself in the studio spinning clay or lounging around the house, be sure to have the comfy Acorn Women's Annika Mule Slippers on your feet.
- Durable suede uppers boost longevity
- Hand-stitched yarn details and a simple design for kicking around the house or studio
- Soft Sherpa fleece linings offer comfort and warmth
- Heel-to-toe high-density comfort foam and raised EVA heel wedges add stability and support
- Non-slip weatherproof soles work well both indoors and outdoors
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Love these slippers! They're warm, soft, and have great cushion underfoot. Have worn them every day since I got them! Highly recommend!


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CES 2012: Casio stand report
Casio is another one of the larger stands in the Central Hall, presenting a wide variety of product categories at CES. Nevertheless imaging has a fairly prominent position among the watches and other digital products. The company's latest compact cameras can be looked at and tested while product presentations are going on on the stage in the background. The 'Imaging Square' web community which allows you to manipulate and share images is also being demoed.
Tags: ces-2012


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Very Good
Condo #304: Beautiful efficiency- balcony, pool, WiFiSend to a friend
From $98 / night
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Description from the manager
Description from the manager
Bedrooms: 0/
Bathrooms: 1/
Sleeps: 4/
Type: Apt. / Condo
Condo #304: Beautiful efficiency- balcony, pool, WiFi Apt. / Condo
min stay
This is truly a beautiful beach front Efficiency located on the 3rd floor of the Phase I building. A wonderful view of the sugar white sand and the emerald green waters of the Gulf of Mexico can be seen from a private balcony located by the living room. THIS UNIT OFFERS FREE WIRELESS INTERNET SERVICE and A 32" FLAT SCREEN TV!
All of our efficiency units at the Islander Beach Resort are beach front. With a maximum occupancy of 4 adults, this efficiency features a king size bed, a queen sleeper sofa, a full bath and a private balcony looking directly at the beach. A kitchenette with a small refrigerator, microwave, coffee maker, dishes and utensils all come with the unit as well.
All of our daily and weekly guests receive the following complimentary guest package: 2 beach chairs and umbrella set up for you on the beach (March 1 to October 31); 18 holes of golf with 1/2 cart at Shalimar Pointe Golf Club daily; one free pass to a 2-hour Dolphin Cruise daily (2 different cruises to choose from); 1 adult pass to snorkeling daily (April - October); nightly movie rentals, FREE Internet access (most units wireless).
Guests at the Islander Beach Resort have access to one of Okaloosa Island's largest gulf-side pools, a shuffleboard court, and a barbeque grill area. A quick stroll across the boardwalk puts you right on the beach! All guests have Free High-Speed Internet access in their unit, as well as wireless Internet access in our lobby.
Please visit Guest Amenities to view information about entertainment and activities available in our complimentary guest package (some exclusions apply).
Additional amenities include: beach chairs, jetski (personal watercraft), playground, paddle boating, toilet, walking, military base, outdoor shower, cookware, vacuum cleaner, water sports gear, medical services, kayak / canoe, elevator, miniature golf, dining, groceries, fishing, massage therapist, golf, festivals, sleep sofa /futon, snorkeling, minimum age limit for renters, shower, theatre, shopping, outlet shopping, utensils, in-room wireless internet, hospital, resturants,local attractions,, marina, zoo, movie theatre, movie rental available, non smoking only, atm/bank, cinemas, beach walking, water parks, beach, jet ski rental, nearby golf course, water skiing, ironing board, exceptional sunrises, boogie boarding, exceptional sunsets, scenic drives, fly fishing, water park, events allowed, photography, sound/bay fishing, heating, dishes & utensils, lcd hd TV, churches, iron & board, beachcombing, high - speed internet, swimming, coffee maker, king, fitness room / equipment, surfing, scuba diving or snorkeling, pier fishing, sailing, nearby atm, dance, weddings, nearby post office, aquarium, deep sea fishing, museums, bay/sound, ballet, deepsea fishing, symphony orchestra, bird watching, exceptional views, paragliding, nearby grocery, walkway to water, restaurants.TripAdvisor property ID 2257131 ...Read more
About the manager
About the manager
Brooks and Shorey Resorts, Inc.
About the owner
Brooks and Shorey Resorts, Inc.
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Condo #304: Beautiful efficiency- balcony, pool, WiFi Fort Walton Beach, Florida
Additional Location Information
More About This Location
Proximity to TripAdvisor's Top Fort Walton Beach Attractions
Proximity to TripAdvisor's Top Fort Walton Beach Attractions
Last updated on May 23, 2016
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Please note: these rates exclude taxes and fees and may vary depending on the length of your stay. Rates are also subject to change at the manager's discretion.
Rental fees
- Tax rate | 15.64% of rent | tax rate
- Fee | $41 per stay
Additional notes from the manager
The minimum stays for certain dates may be longer than advertised.
- A/C or climate control
- Towels Provided
- Fitness Room
- Linens Provided
Phone / Internet
- Telephone
- Internet Access
Pool / Spa
- Shared outdoor pool (unheated)
Property Features
- Waterfront
- Blender
- Grill
- Toaster
- Refrigerator
- Microwave
- Television
- Books
- DVD Player
- Satellite or cable TV
- Balcony or terrace
Onsite Equipment
- Boat available
- Pet
- Suitable for the elderly - ask
- Smoking
- Wheelchair accessible - ask
- children
Reviews (53)
Very good
A FlipKey verified reviewer
Smyrna, TN, United States
"Great location for a relaxing couple"
We needed a small place on the beach. Our room was right on the beach and a way from the main hallway. The room was nice, the only compliants were the air unit is old and it either blows cold air right on you or you just have a stuffy room. I think a fan would fix this. On the balcony there is only one chair and a tiny table, we would of loved to have been able to sit out and had meals. The restaurants and entertainment are a short drive or long walk. This location was ideal for a lazy beach weekend. We loved our stay and plan to go back as soon as possible.
Response from the , Brooks and Shorey Resorts, Inc. - 09/05/2013
Thank you for your review! We are glad you enjoyed your stay and are planning to come back! Please remember to ask about our return customer discount. As for the balcony furniture - we had asked the owner of the condo to purchase an additional chair or new balcony furniture and they agreed. This will be done in the upcoming days.
Richard B.
LA, United States
"Check unit out with B/S in detail before renting a unit"
My wife and I enjoy sitting on the balcony in the mornings and afternoons but the unit we rented didn't have but one chair. That was a bummer for this trip. The unit was in need of repair also. We have booked with B/S on many occasions in the past and most units have been much better than this one.
Mandi D.
LA, United States
"Beach Vacation"
LA, United States
"A Wonderful Vacation"
This is our 2nd year in a row that we have stayed in this particular condo. We enjoyed our experience so much the first year that we wanted to stay again in the same one again. Beautiful condo with a perfect view of the ocean. We highly recommend using Brooks and Shorey Resorts for your next stay.
A FlipKey verified reviewer
DAYTON, TN, United States
"Too small"
The king bed is too big for such a small place makes getting into the fridge difficult..needs new shower head and wallpaper in shower isnt attached at the bottom at all..We were very thankful that the staff worked with us the first few days because the a/c was out in the entire building and they found us another condo to stay in until this unit was fixed..however we were not told of this problem until after we were given the rental agreement and it was signed..then we were told the a/c was out..this was poor business practice and then we were told trying to get fans for everyone..WE had to insist on having another unit and again very thankful that one was found but I feel it should have already been worked out for everyone in that building to have another place to stay. Find it hard to believe that it would be expected of people in Florida in the summer to pay to stay in a place with no a/c BUT even with this I would give Brooks and Shorey another chance and book with them again
Response from the , Brooks and Shorey Resorts, Inc. - 06/27/2013
Thank you for your review! We are glad you enjoyed your stay and the complimentary upgrade to a 2 bedroom unit to compensate for the A/C issues that we did not foresee happening. We do hope to see you again in the near future! Once again thank you.
Matthew G.
AL, United States
"Islander visit"
Great experience. Our only issue is that the air conditioning was not working properly. It took a long time to come on. Other than that it was a great stay.
Christy M.
AL, United States
"Great room, great view, great price"
We highly recommend this unit and Brooks and Shorey for your vacation rentals!!!!
kimberly v.
ga, United States
"Spring break vacation"
I enjoyed everything about my stay. The room and location were excellent and there was so much to do and so many sites to see. I will definitely stay here again and after seeing my pictures I posted on Facebook, I have had several people inquire about the resort and I recommended it to them hands down.
Kelly K.
LA, United States
Company personel were nice and helpful with a couple of question that I had. Nice location and the wiew of the gulf and beach was also very nice. About the only thing that they could do is update the(AC/Heater) controller.
A FlipKey verified reviewer
Piedmont, SC, United States
"Great Weekend"
The room was exactly as described. Great for a couples weekend getaway.
A FlipKey verified reviewer
Owensboro, KY, United States
"Our Stay at Condo 304"
Enjoyed our stay very much. The condo was nice. Loved the view and proximity to beach was great. Will definitely be returning to the area.
Deanna S.
IN, United States
"PERFECT Getaway Location - Watched Dolphins play from our balcon"
We spent the weekend at Ft Walton Beach IBR unit 304. Could not have picked a more perfect spot. The view was priceless. The beach location was perfect for our "Barefoot Wedding" Ceremony. Will definitely return to this property.
Rebecca W.
AL, United States
"Late Summer Get a way"
loved staying at the Islander. Great location, the beach was beautiful. No traffic, fun shopping. Can't wait for next time.
David A.
GA, United States
"the only issues"
...beach service waasn't set up untill nearly 11 one morning
...the DVD machine didn't recognize card
other than those, a very good stay and value.
A FlipKey verified reviewer
Hixson, Tn, United States
The freezer in the mini fridge looked like it had never been defrosted. We weren't able to use it all. Also, the glass doors going out to the patio were extremely dirty. Had to open the doors to be able to see out of them.
A FlipKey verified reviewer
Greer, SC, United States
"Wonderful Visit"
We had a wonderful time while in Florida. Everyone was very friendly and accommodating. The view from our property was fantastic! We were able to see dolphins from our balcony on several occasions.
David R.
TN, United States
"White Sands"
Great Time,,,Great weather,,, even did some fishing ,, Love the white sands,,Will come back soon.....
Bill H.
OK, United States
"Islander 304 July 2012"
This was my second visit & my wifes first visit to the area, so knowing what I wish I could have done the first time, I knew what I wanted my next visit. Brooks & Shorey Resorts fit the bill perfectly! Our room was very nice, clean, and affordable. Our veiw was outstanding! We didn't use the grills available on the property, but the steaks other guest were grilling was a reminder of what we'd do next time! There will definately be a next time & it will be with Brooks & Shorey Resorts!
A FlipKey verified reviewer
Benton, LA, United States
"Our Perfect Beach Vacation!!!"
We absolutely loved our summer vacation at Ft. Walton Beach, FL. The condo that we rented for the week was beautiful. The decor was very nice, the bed slept wonderful and the ocean view from our balcony was priceless. The staff was very friendly and easy to work with. We will be booking our next summer vacation again through Brooks & Shorey.
Rebecca W.
AL, United States
"The Islander was Great, coming back again!"
Great, also the guy at the beach setting up the chairs and umbrellas was very nice, I think his name was Rock. Very helpful, offered to help carry things, answered questions.
William H.
AL, United States
"Islander beach 304"
My wife and I had a warm welcome, room was astefully decoreated, bed could have been smaller and sofa as it was difficult to use the kitchen area, the fridge door is on the wrong way round, we saw the bathroom door needed fixing and it was done very quickly, overall we enjoyed our stay, and our using this company again in June, thank you
Paul L.
"Not satisfied with this property. Mold on the entry door frame,"
Sand in the bed, multiple bugs in the bathroom, stains on the chair and poor operation blinds.
A FlipKey verified reviewer
Douglasville, GA
"Very Old"
The unit we stayed in was very old. Had to call the office about milddew around tub and on bottom wall at the sink. Bathroon door doesn't close properly, you can see the outside under the entrance door of unit. Rust stains on one of the chairs. Bed slept
pretty good. Wish we had stayed somewhere else. Complained to office and they sent housekeeping over. She was able to get most of the milddew off; however, this should have already been cleaned. And no, they took nothing off the stay.
Nicole H.
"My thoughts"
I enjoyed my trip to Fort Walton and plan to go next year. I was very disappointed with the room I had. I understood it was a studio but the pictures online made it look nice and roomy enough for four people. The AC didn't work well. They had instructions
not to put the ac lower than 75 (which is hot)but there were no way to know what degree it was set on because the the theromastat was broke. Cleaniness was ok but there were ants in bathroom and the pillow and pillowcase in the closet smelled dirty. Overall
I was dissatisfied with the room.
A FlipKey verified reviewer
"One of the Worst Places I Have Ever Stayed!"
When we arrived the condo still needed to be cleaned. The bad thing about this was no one had stayed in it the night before. When I asked the lady said sometimes they don't all get cleaned the same day people check out. When we arrived there was dirt and sand all over the floor so I swept before we brought our luggage in. There was a big ball of hair in the bathroom floor, the tub had sand in it and there was a very hairy bar of soap on the edge of the tub. I tried to call the Brooks and Shorey offices but no one answered. I cleaned it all up myself so we could shower. We unpackked some food we brought and left to go to the store to get some other things and when we returned there were ants all over the kitchen area, so we went back to the store and bought bug spray and cleaning supplies. Not exactly my idea of a vacation! The dishes, silverware, glasses etc were all mismatched and looked very dirty. Luckily we had brought paper plates, cups, plastic utensils, paper towels, etc from home because I would not want to use these. Overall it was a very disappointing experience. I expected it to be a nice clean place to spend a week at the beach but was very disappointed. I would not reccomend this place to anyone.
Melissa L.
"Dream Vacation"
My mom and I rented this condo for our girls getaway in June 2011. The location of this condo could not have been better! It is very close to many attractions in the area. Our balcony overlooked the beach and the Gulf, which was absolutely breathtaking. It was the perfect scenery to wake up to every morning. The condo itself was very clean and had great furnishings. It felt very luxurious even for an efficiency unit. I would recommend this unit to anyone and cannot wait until we go stay there again!
Debby M.
"Very happy with where we stayed"
The beaches were wonderful. I encourage everyone to go to Ft. Walton beaches. People were nice and helped in every way possible. Can't wait to visit again!
Erick W.
"Erick W.'s review of Islander 304"
The bathroom door was hard to close. Also, the dustpan was laying on top of an extra pillow in the closet with dirt on it. Other than this, everything was good. The view was great and the pool was nice.
Autumn P.
"Great stay!"
The condo was just as advertised. Very clean and convenient to the beach. Booking was incredibly easy and the pricing was cheaper than local hotels. We were very pleased with our stay and definitely plan to rent again.
Cindy P.
"we've stayed at Islander for over 10 yrs, this condo was fine ex"
we love to stay at the Islander & have tried over the years many different Condos. This one was decorated fine but really needs to update the TV. We had to call maintainance to show us how to get the DVD to work, their was no hookup on TV due to age & had to be wired thru the old tape player.
Response from the , Brooks and Shorey Resorts, Inc. - 05/18/2010
We apologize for the inconvenience! The TV was replaced immediately after your departure with a brand new flat screen. Brooks and Shorey Resorts.
A FlipKey verified reviewer
Marietta, GA
"There was no ice..."
There was no ice machine. The T.V. was small and outdated.
Felicia E.
"Wonderful getaway"
Everything was great, they even had a movie on a large projection screen by the pool for the kids. There was only one downfall about this place, the elevator takes forever!
A FlipKey verified reviewer
Trinity, AL
"Pleasant stay!"
Elevators were slow, used the stairs.
Jeff H.
"Sanchez/Hackney Wedding"
Overall a very nice facility and location. The only issue was the elevator in the tower we stayed in was Veeeeeerrrrrrryyyyy slow. But, since we were on the 3rd floor it was easy enough to just run down the stairs.
denise h.
"Not the best room in the resort!"
Mold on ceiling in bathroom, mold on wall outside of bathroom, Spaghetti O's/meatballs left in microwave from who knows when, tv had very few channels to choose from-none for kids, complex doors gross with oil leaking from hinges, a/c had to be set on 50 so it would click on-still got extremely hot during the night, 1/2 roll of tp when got there, scared to walk on floor w/o shoes, elevators 90 degrees and slow luckly could use steps, door handle stuck when locking had to check 2-3 times before leaving, pool closed 1st day there because of fecal matter, but good rest of the trip, pitcher had crack at bottom-no making tea the whole week, no info about area attractions nearby in room, fridge had to be turned up to high to cool down and smelled like someones leftovers from before, freezer ice packed, DEFINITELY WOULD NOT RECOMMEND THIS UNIT TO ANYONE--Kinda sad you are excited about a trip and you get there and you have to experience this for the week. I am 39 years old and have traveled 2-3 times a year and have to say that this was the worst place I have ever stayed in. We had to deal with it. Pictures/comments did nothing for this place.
Donald H.
"Great visit"
Overall very pleased. Wifi never worked
A FlipKey verified reviewer
Newnan, GA
"April 16-19th 2009"
This unit is small just like a hotel room. Well decorated and in general good condition. The only complaint is that the door knob was loose, easy fix. The previous occupant spilled chocolate everywhere and that was pretty much cleaned up. Some stains on the chairs and drapes. I know how do you get chocolate on the drapes? Great views, need more comfortable chairs for the balcony. The beach is great. I would stay again.
Susan M.
"Enjoyed Our Stay!"
We especially enjoyed the free amenities of beach chairs and round of golf each day. The bed had a great mattress and pillows. Nice view on quiet beach. The only negative was that the elevator was out of order for several days.
A FlipKey verified reviewer
Biloxi, MS
"The locattion was perfect...."
The locattion was perfect. The condo is pretty small,about the size of a hotel room. The only problem was that the bathroom was not clean.
A FlipKey verified reviewer
Douglasville, Georgia
"Loved the View"
The room was nice and clean. The matress was very comfortable. The only complaint is that the comforter had a musty smell. We could not sleep with it on the bed, but blankets were in the closet, so we made do.
Vince D.
"First vacation as empty nesters"
The added amenities (golf, dolphin cruise, movie rentals, beach chairs & umbrella) make renting through Brooks & Shorey so worthwhile. The Shalimar Pt Golf Course was outstanding--played it three times. Check-in and -out couldn't have been easier. Room had everything you need, but I wouldn't advise trying to have 4 adults in the room live comfortably. Perhaps 2 parents and 2 young children. The elevator has got to be the slowest one on the planet--but being on the 3rd floor wasn't too bad for taking the stairs.
A FlipKey verified reviewer
Corinth, MS
"Great Vacation....."
elevator problems made going up and down with necessities a little hectic..overall it was a wonderful vacation!
A FlipKey verified reviewer
Broken Arrow, OK
A rug in the room was filled with sand and had not been shaken or vacuumed in quite awhile. The sheets and mattress pad were too small and kept coming off the bed. The A/C did not work properly and would only come on if set to around 60 degrees, and then would not continue to cycle off and on. Ants and silverfish were seen on the kitchenette surface. Tile floor was dirty and dingy in spots and it is obvious that it has not been mopped on a regular basis. Bathroom was less than clean. There was grime on the underside of the sink faucet and around the base of the toilet, and also around the corners and edges of the shower doors. The drain plug in the bath was broken, and maintenace fixed this, but the plug is still too small and will not fit in the drain properly. I was bit in the leg by a caterpillar crawling in our bed during the first morning of our stay, and we feel that management was not very accomodating to this situation. They would not move us w/o charging us extra rent, which we felt was unjustified due to the quality of the room and the fact that we are long-time customers of Brooks & Shorey, this being the 4th time we've rented one of their units. Overall, we enjoyed our stay, but the quality of our room was disappointing.
A FlipKey verified reviewer
Cleveland, TN
"The room was great...."
The room was great. The view and the beach were also great, and the price is right. I enjoyed my stay there and plan to return in the future.
Darrin E.
"When we arrived on Sunday We found hair on bathroom floor, in tu"
That night I cleaned your property with cleaner I bought. My Family and I slept under beach towels. The next afternoon 2 cleaning "mgrs" came and took the comforter pillow covers and blanket to be cleaned. The floor was also sandy when we arrived. I must say our last stay in ft walton with southern resorts was the exact opposite the property was spotless. B&S; Ammeneties were a plus. The cleaning Mgrs stated we would recieve a credit for cleening fee but I have not recieved one yet. The unit needs updated! It looks worn. I also had to replace lightbulbs and remote batteries. the beach is excellent as is the view. Too many smokers around and in the pool for non smoking property.
Michael Cody H.
"Wedding Weekend"
This condo was a part of many things making our weekend in Florida perfect! This was our 2nd time staying in a Brooks & Shorey Resort, and will stay again! Thanks
A FlipKey verified reviewer
Suwanee, GA
"Wonderful trip to the beach!"
The condo was wonderful for our 5th anniversary trip to the beach! The only thing we would have liked was an ice machine somewhere in the complex.
A FlipKey verified reviewer
Friendship, TN
"overall freat trip"
the condo was great and the view gorgeous-the reservation clerks were not the friendliest-however, i would recommend this condo to anyone who wants to relax-it's not a party scene-the ocean view is a must-otherwise you are looking at run down property facing the street
Douglas & Kathy R.
"Douglas & Kathy R.'s review of Islander 304"
that place was perfect for our 4th honeymoon.We really enjoyed and wonderful time ..We will go there again this august 14th....i will call u for rev. thanks Cathy Rogers
A FlipKey verified reviewer
Riverdale, UT
"islander 304"
killer view!
Jeff A.
"Great Beaches"
We always stay at Brooks and Shorey beach properties and they have always been excellent.
A FlipKey verified reviewer
Perry, GA
"Fort walton get away"
We had a wonderful time. The room was perfect.
Jonathan E.
"Remote Office"
The room was very nice, clean, and comfortable. The only two drawbacks are the fact that the office to pick up the key is located at another facility which is a pain and the single sluggish elevator that can be annoying to wait for.
Recommended for you
Recommended for you
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Unfortunately I didn't create create mu-plugins folder during installtion and I left plugins folder as it is.Now for some plugins I am getting the message like :
It is currently located in /home/.../public_html/..../wp-content/plugins/multisite-user-management. Please move it to /wp-content/mu-plugins/ for this plugin to work correctly.
Could you please help me to solve this problem?
Thank you !


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With a beautiful hand polished finish, this Silver Plated Cubic Zirconia journey pendant necklace will be a memorable present for your special someone. It has a curb chain with a spring ring clasp for a unique style. She can wear it with matching accessories for a special evening or every day. Clean with jewelry cleaner.
Finish: Hand polished
Material: Brass
Decorative Accents: Cubic Zirconia
Closure Style: Spring Ring Clasp
Chain Style: Curb
Care and Cleaning: Clean with Jewelry Cleaners
Chain Dimensions: 18.000L
Accent/Pendant Dimensions: 35.000H x 10.000W
other Info.
- Online Item #: 14010180
- Store Item Number (DPCI): 215-06-8540
- Imported


text:
Product Overview
Lots of space to cook in. The Beko BDVF696XP is excellent for big households that don't require lots of complicated cooking functions. Between the two ovens you're getting 100 litres of cooking space, making preparing lots of dishes at once very easy. With fan and conventional heats you can tailor your cooking to the type of food you're making. Plus there are 4 gas burners on the hob, giving you extra cooking space for your pots and pans.
Customer reviews
Would recommend to a friend


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Side View Bare Arms And Legs Of A Female Bending Over Touching The Ground In A Green Wet Tropical Setting On The Island Of M Stock PhotoAdult,Adults Only,Caucasian Ethnicity,Color Image,Day,Environment,Hawaii Islands,Horizontal,Human Arm,Human Body Part,Human Leg,Human Limb,Idyllic,Limb,Lush Foliage,Maui,Naked,Nature,One Person,One Woman Only,Outdoors,Pacific Islands,Part Of,People,Photography,Reaching,Rock - Object,Rock Formation,Tropical Climate,USA,WetPhotographer Ron KoebererCollection: Aurora


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Hollywood Casino names new GM
On Oct. 26, 2012, Penn National Gaming named Greg Hinton General Manager of Hollywood Casino Tunica. Mr. Hinton most recently served as Assistant General Manager of Caesars Entertainment's three properties in Tunica.
Hinton joined Caesars in 2006 as Regional Director for Planning and Analysis in Atlantic City before being named as Vice President of Finance for Harrah's St. Louis in September 2007. He added the responsibilities of Vice President of Non-Gaming Operations in March 2008 and held both roles until January 2010 when he was named Assistant General Manager of Harrah's Tunica.
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River Rd. repair to begin in June "B-lump...b-lump...b-lump."...
Marking the way Read more
Cut in funding threatens Adolescent Opportunity Program statewide Local Adolescent...
Aerospace entrepreneurs envision 'Silicon Valley of the South' in MS Tunica is slated...
Town greenlights remote read meters Town of Tunica aldermen...
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Andy Anderson
Actor Andy Anderson Movies / Films:House of Wax (2005) aka Wax House, Baby (2005) Anacondas: The Hunt for the Blood Orchid (2004) aka Anaconda 2: The Black Orchid (2004)
Reviewed Movies Starring Andy Anderson
House of Wax (2005)
House of Wax tells the story of a group of friends who fall prey to a sinister plot while passing through a small town on their way to a college football game. Jared Padalecki from supernatural really…
Anacondas: The Hunt For The Blood Orchid (2004)
Anacondas: The Hunt for the Blood Orchid is another good try at a great idea. I for one am a big fan of the idea of creating a movie on the concept of 100ft anacondas roaming the rain forests of Brazil.…


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One week from today, Thursday, June 16, Adriane Fugh-Berman, MD, and her PharmedOut.org project based at Georgetown University begin a two-day conference, "Pharma Knows Best? Managing Medical Knowledge."
Topics include ghostwriting, pharma-free continuing medical education, disease awareness campaigns and, in general, academic scientists' relationships with industry.
Speakers include:
Marcia Angell MD, Harvard Medical School
Virginia Barbour MD, PLoS Medicine
Arnold Relman MD, Harvard Medical School
Joel Lexchin MD MSc, York University, University of Toronto
Gordon Schiff MD, Harvard Medical School
Eric Campbell PhD, Harvard Medical School
Shannon Brownlee MS, New America Health Policy Program
Carl Elliott MD PhD, University of Minnesota School of Medicine
Edmund Pellegrino MD, Kennedy Institute of Ethics, Georgetown University
Curt Furberg MD PhD, Wake Forest University, North Carolina
The other day Duff Wilson of the New York Times contrasted this event with another upcoming event hosted by "a nonprofit group called the Association of Clinical Researchers and Educators… to explain the reasons to support collaborations between the industry and doctors." Excerpt from Wilson's post:
"The second conference was co-founded by Dr. Thomas P. Stossel, a professor at Harvard Medical School and director of translational medicine at Brigham and Women's Hospital. He has seen himself as a sometimes lonely voice to speak in favor of industry collaborations with researchers and medical schools.
Dr. Stossel argues that the financial aid and research interactions benefit patients and advance science. He will lead a panel called, "Academia/Industry Collaboration: Why is it under attack by politicians, deans and the media?"
Other A.C.R.E. panels will discuss what industry, patients and medical students should do to push back against the type of thinking generally represented at the Georgetown conference."
We Welcome Comments. But please note: We will delete comments that include personal attacks, unfounded allegations, unverified facts, product pitches, profanity or any from anyone who doesn't list what appears to be an actual email address. We will also end any thread of repetitive comments. We don't give medical advice so we won't respond to questions asking for it. Please see more on our comments policy.
Comments are closed.


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TYDDYN GORONWY, family friendly, luxury holiday cottage, with pool in Talybont, Ref 4084
From $1,134 / week
Description from the manager
Description from the manager
Bedrooms: 6/
Bathrooms: 4/
Sleeps: 10/
Type: House
Description This detached farmhouse can sleep ten people in six bedrooms and is set close to the beach between the resorts of Harlech and Barmouth in North Wales. Tyddyn Goronwy is a stone-built country farmhouse with sea and mountain views in the coastal village of Talybont between Barmouth and Harlech in North Wales. The cottage has six bedrooms consisting of two doubles with ensuites, two twins and two singles, which with the addition of two family bathrooms make this cottage suitable for ten people. The rest of the accommodation includes a fitted kitchen, a dining room with a woodburner, a sitting room with an open fire and a snug with a woodburner. ...Read more
About the manager
About the manager
Sykes Cottages
About the owner
Sykes Cottages
- Response rate: n/a
- Response time: n/a
- Calendar updated: today
Overall rating:


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Atheist Alliance
View Single Post
February 4th, 2012 (8:27 AM).
Gold Tier
Join Date: Mar 2007
Posts: 3,501
SUP ATHEISTS (and non-atheists too!). Another atheist here, looking to join~
To go back on the topic on Confirmation: I was actually baptized Catholic and went through my first Communion when I was seven because I was still somewhat religious then. But in grade eight (when I was more or less agnostic), I refused to do Confirmation because I didn't want to choose Catholicism for myself. I was the only person in my class to make this decision and it made me feel special for some reason haha. My friend (who actually isn't baptized therefore she's not eligible for Confirmation) and I skipped school on the day of our class' Confirmation retreat and stayed at her place playing Kingdom Hearts like REBELS.
but tl;dr I didn't want to choose Catholicism for myself so to this day I have not been confirmed and I'm okay with that. :D
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is it knox free and can I flash a stock 4.1.2 firmware safely? (phone is currently rooted with cwm and beanstalk 4.4.2..i want stock 4.1.2)..thanks in advance also if I flash a stock firmware, that will reset phone back to official status??
Last edited by anton69; 22nd April 2014 at 07:18 AM.


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2 Recommendations
Three's recommendation
Michael Jackson was a true visionary, I'm happy to see how much positive attention his life and art has received.
My Collections:
xman16trs's recommendation
Today, I will get this today. I miss him already,but his work lives on. Time Magazine did a GRETA GREAT JOB on thi story of The Man.
My Collections:


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The Violent Rhetoric of Paternal Child-
Murder in The Times (London), 1826–1849
Melissa Valiska Gregory
IN VICTORIAN BRITAIN, WIDELY VARYING REPRESENTATIONS OF INFANTICIDE shared a common tendency to cast the crime as maternal. Novels such as Walter Scott's The Heart of Midlothian (1818) or George Eliot's Adam Bede (1859), legal tracts and professional medical texts that focus on child-murder, and the periodical press's coverage of then-current trials for the crime would seem to have little in common generically; yet these diverse forms of writing reified a "typical" murderous mother: young, unmarried, and desperate to conceal the fact that she has borne an illegitimate child. As Christine Krueger has noted, literary treatments of such women tended to portray them as "objects of sympathy."1 No less complex, Victorian representations of infanticidal fathers were far less sympathetic. I consider here the possible professional motives and social effects of a series of representations of paternal child-murder reported in The Times (London). Rather than sympathetically bridging the gap between horrified readers and alleged murderers of children, these accounts foster instead, somewhat paradoxically, both readerly hostility toward lower-class men and sympathy with male acts of violence.
Historians have attributed the Victorian preoccupation with murderous mothers—to the exclusion of fathers—to a variety of social and ideological factors. Ann Higginbotham argues, for instance, that the Victorian public's avid focus on the individual mothers who committed infanticide effectively served to obscure an investigation into the larger social problems which might have contributed to child abuse or murder. Scrutinizing the mothers, she suggests, "emphasized the actions of the individual mother and slighted the role of poverty, lack of extensive child care, low wages for women, and poor social services."2 Perhaps even more importantly, Higginbo-


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- El SalvadorHousingFunding via Apoyo Integral
WilfredoEl SalvadorHousingFunding via Apoyo Integral
Edgardo Enr...El SalvadorHousingFunding via Apoyo Integral
Carlos Ovidio
Their house is very small and is no longer comfortable for all the family, so they are asking for a loan from FUSAI to be able to build a bedroom for the eldest brother. With the loan, he will buy sheets of material, bricks, sand and cement. He stresses that he has the capability to pay off the loan.
Carlos de 36 años de edad habita en condiciones muy humildes junto a su esposa y sus 4 hijos de 17 años, 15 años, 13 años y 8 años de edad. Para Carlos lo más importante es que sus hijos tengan mejores oportunidades de vida a las que él y su esposa han tenido y es por eso que trabaja muy duro como albañil en diferentes zonas de su localidad. Con sus ingresos y los de su esposa quien trabaja como vendedora de pan dulce mantienen la economía de su casa y poco a poco van sacando adelante a sus hijos. Su casa es muy pequeña y ya no es cómoda para toda la familia por lo que solicita este crédito a FUSAI para invertir en la construcción de un cuarto para su hijo mayor. Con el crédito comprará lámina, ladrillo, arena, y cemento. Expresa tener la capacidad para cancelar el crédito.
Additional Information
More information about this loan
This loan will be administered by FUSAI (Salvadoran Foundation for Comprehensive Development), a Salvadoran NGO that owns Kiva partner Apoyo Integral. FUSAI will disburse this loan in order to reach a population that doesn't currently work with Apoyo Integral. This type of loan covers basic services (like housing and water), and supports small business and agricultural activities. Borrowers come from low-income families in rural and peri-urban communities, and are considered to be too poor or lack the proper guarantees to get credit through traditional banks or microfinance institutions. Before receiving their loans, they are vetted by local community organizations and enrolled in classes in financial literacy, and the importance of sanitation, potable water and clean energy. Additionally, FUSAI enables borrowers to guarantee one another and take out loans smaller than El Salvador's average. Important to note is El Salvador is considered one of the most dangerous countries in the world, holding the 2nd place in the ranking of murders per capita. All these FUSAI borrowers live in areas considered by the police as highly violent and dangerous, mainly because of gangs influence. Main risks they face in these areas are thefts, extortions, kidnappings and murders.
About Apoyo IntegralApoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization's target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.
Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders' funds will be used to expand these services to an even greater number of poor clients in rural areas.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.
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About El Salvador
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US Dollars
Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Oct 29, 2013
- Listed
- Nov 14, 2013
- Currency Exchange Loss:
- Ended:
- Nov 20, 2014