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All Texas A&M Vs OU picks on the forum I can find
Pick: Oklahoma +3 Betting: $2000.00 @ 1.95
Pick: Oklahoma moneyline Betting: $2000.00 @ 2.35
1st Half......Under (35.5) 1500U game Under (72.5) 1500
8-4 bowls
Tex AM TT under 37.5
Mr Russo
Double up for life
A&M for $300 –3
Stacy Adams
A&m –3
OU +3.5 - largeOU/TXAM OV 73.0 - normal
ESPN analysts Picks
Jesse Palmer -A&M
David Pollock- A&m
SEC ...BIG surprise!!!
Kingsbury is not calling plays for A&M...Kevin Sumlin will be!!
Originally Posted by jredmond: Anything from Jimmy?
No response yet....Come on though....they beat his Bama....You know its A&M!!!!
1st half Lines
Texas A&M over 17.5 (-125) U (-105)
OU over 17.5 (-115) U(-115)
Tonights plays
Football - 263 Texas A&M team total under 38 -120 for Game
Football - 263 Texas A&M/Oklahoma under 72 -110 for Game
Football - 264 Oklahoma +135 for Game
NCAAFB Props - Texas A&M vs Oklahoma - ALT SPREAD - TEXAS A&M VS OKLAHOMA - OKLAHOMA -3½ POINTS +200
NCAAFB Props - Texas A&M vs Oklahoma - The first score of the game - Field Goal or Safety +325
NCAAFB Props - Texas A&M vs Oklahoma - Total rushing yards by Johnny Manziel (TexA&M) - Over 95½ Rushing Yards +120
Im sure vegas would love every game to be close to a pick em!! Its a 50/50 game....but im a degenerate gambler...so im playing it!!BOL
Charotte Sports
Over 72Oklahoma +4 -120
Jan 3rd
Oregon 43
Jan 4th
Texas A&M 34
Thats 2 days in a row, i went against my Gut.......Jesus that makes the loss feel so much worse!!!! O well.......
1) Never bet what you cant lose
2) if you lose a bet ask yourself, would you make the same play tommorrow (that makes me feel better sometimes)
3) Dont bet on "your" team....or like they say...bet with your heart!
Adding...maybe most important?? seems like it with the last 2 days picking ML plays on games i had predicted differently
4) Stick with your gut!!
Noteable Cappers...Help me fill in some blanks
NCAAF (Post-season) Charoltte Sports..Posts on one thread all bowl season...plays are posted about 3 hours before game time..
NCAAF- Jimmydafreak (Best bets and first half plays..Regular season... (SEC mostly), Posts usually Saturday Morning ...2 or 3 best bets, and about 7 regular plays...sometimes an UDML
NBA..CrazyMilkMan- Posts ATS plays usually before 2pm et.. daily
Looking into:
NCAAB- Nostrodamus (daily plays...usually one..i like that!!), and JDNMoneys Monster plays!!
Sticking with my gut ...thank god!!
If i can sell points i will!!!! +200 for -8 or so!!!
Locked in
Football - 266 Mississippi -3 -110 for Game
up it at todays line
Football - 266 Mississippi -4 -115 for Game
Jimmy send me your play brother!!!
O good...im on the other side of charlotte today!!! shoulda listened to myslef in earlier post!!
Charlotte sports
Pittsburgh +4
Looks like Charlotte is off his Hot streak...i think he knows more about the shi tty teams than good???
Posted new years day
Glad to see this thread has stayed Civil...cant really say that about any other Bowl threads ...Jeez....calm it down people!
Kent st (11-2 W/L) (10-2-1 ATS)
Ark St (9-3) (8-4)..Line opened as Pick em..now Arky st -3.5
Kent st key wins: Rutgers
Ark st key wins: ULM , Troy
They both had weak schedules..........This game is right up Charlotte alley..... i think he bounces back tonight.....sh itty teams= Charlotte knows!!!
Covers Experts...Ark st (7-5) and Over (11-1)
BOL ....im locked in:
Football - 267 Arkansas State -3½ -110 for Game
I would go along with the Covers experts on the over....but its going to be raining and Rain = Under to me!! moved from 61 to 63!
Played JD$ monster play and it hit says he is 7-1 on monster plays now!!!! Nostrodamus has too many plays!!!
why not???...waiting on Charlotte to fade him with the rest of tonights $$
Football - 267 Arkansas State/Kent State over 63 -110 for Game
Originally Posted by stork81: i hope you guys are right taking arl st -3 1100 to win 1000
BOL.....Just made my ESPN streak survivor pick and 84% of people are picking Kent st to win,...mayb more of a sign to be on Ark!!1 The line opened at a pick and is now -3.... i think you will be ok!! 2 bad teams...usually i try and stay away from bigger bets!!
hey capper i see jimmy is out of the penalty box! Gatta go against you on this one have been on kent st all year made me a ton of $, ark st may look better on paper but kent always have a way of staying with these types of teams. ex n.ill, ball st. similar teams in way of offensive numbers and styles.
with ya on the over though.
Damnit...on the same side as Charlotte and Juice went down!!
Football - 267 Arkansas State -3 +100 for Game
Arkansas State -2.5 -110
Glad to se Jimmy is out of the BOX!!! His BCS play!!!
Score Prediction: Alabama 34 Notre Dame 6Alabama -10 (-105) "Max Bet"Notre Dame Team Total UNDER 15 "Best Bet"


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At the end of last month reports surface that the W205 C63 also would not get a dual clutch transmission. This would make a lot of sense if the vehicle was all wheel drive as Mercedes would likely have the same torque concerns they do (and Audi as well) with sending a good amount of V8 twin turbo torque through a dual clutch transmission to all four wheels. We already know the engine is a 4.0 liter M177 V8 but the V8 twin turbo was confirmed with Tobias Moers on record. This motor also means the C55 name may be coming back since the motor will not be shared with the 63 AMG's.
So why no all wheel drive? The first reason is likely the weight. The CLS63 AMG and E63 AMG both perform very well with all wheel drive but they are about 130 pounds heavier than their rear wheel drive counterparts. That is a significant amount of weight especially with most of it coming over the front wheels and especially with the main rival from BMW (M3/M4) coming in at 3306 pounds.
With such a relatively low curb weight Mercedes would simply not be able to get close including all wheel drive, a twin turbo V8, and an automatic transmission. This despite the C-Class targeting weight savings of up to 220 pounds. Those 220 pounds though were not stated as to on what engine model, transmission, or driveline only as a maximum weight loss figure. Mercedes likely omitted specifying the weight savings in comparison to what previous model so that we would not be able to figure out the curb weight before they announced it. Not to mention they are still working on the C63.
It is a foregone conclusion that if the C63 had 4Matic it would not be as playful as a chassis as the M3 and would be prone to far more understeer. Mercedes seems intent on making the C63 more of a drivers car and will include the trick electronic differential from the SLS Black Series. That means the C63 should be more capable of competing with the M3 in balance and driving excitement.
Tobias Moers agrees stating, "You can have a lot of fun with the car on track with our 4Matic system, but I think the C-Class is more dedicated to fun-to-drive, more sporty, more race track--sometimes a little more sideways. That's the reason it's a rear-wheel drive car."
This also begs the question, if rear wheel drive why no dual clutch transmission? Perhaps the answer is Mercedes upping the torque significantly once the M3/M4 specs were released. This is the danger in BMW releasing their next generation numbers before Mercedes. Due to the turbo era however it is not the risk it used to be as BMW will simply offer a performance package option if they need to. Then Mercedes will likely fire back with their own. They both win as they both will make more money on the option which they are well aware of.
Additionally, it is important to note Tobias Moers did not state there never would be an all wheel drive C63. Will one come later as it did with the E63 refresh? Will they bump the power and do a C63 AMG S? Who knows, but the C63 just became a much more substantial rival for the M3. With approximately 130 less pounds to carry around than if it had the 4Matic system, it may just get close the CLA45 AMG's curb weight of 3600 pounds. It is practically a certainty it will be lighter than the W204 C63 AMG 3992 pounds. If Mercedes does lighten it by 220 pounds as they claim have been able to with the W205, that gives us 3772 pounds. We will have to wait and see.

subset: commoncrawl


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Guiding successful engineering, governing, and acquiring of systems of systems.
Organizations in military, civilian government, and commercial domains need to engineer systems of systems rather than stand-alone systems to meet challenges such as
The vision for hundreds of smoothly interoperating systems can be easily drawn on a PowerPoint slide. However, even solutions that appear simple must be carefully engineered.
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After cloth diapering for over a year and a half, I finally broke down last month and bought my first Goodmama fitted diaper from Kelly's Closet. I'd heard so many great things about Goodmama diapers, but just never wanted to spend "that much" money on a diaper. Seriously, my baby is just going to poop in it. I remember thinking that people where crazy for spending $60 – $80 or more on a single diaper if it meant buying a special limited edition print. I also recall hearing of the crazy "sell-out-in-seconds stockings" that would take place just to get one single diaper. As much as I loved my cloth diapers, I just wasn't willing to go that far, and I know my pocket book wouldn't have allowed me, even if I had wanted to. Besides, my husband would likely take away my credit cards if I spent that much on a single diaper!
Time has passed and all that craziness seems to have settled back down a bit, so when I saw the Goodmama diapers go on sale last month on Kelly's Closet I just had to pick one up. When it arrived in the mail I was in love with my new diaper – the Primal Roar Goodmama fitted. I was surprised at how thick the diaper and inserts were, as well as how soft the organic bamboo velour was. I couldn't wait to wash it and add it into my rotation. However, I purchased the diaper as a Christmas gift for my son Brendan, so it would have to wait a few weeks!
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I've been using the Goodmama diapers for about two weeks now and absolutely love them. Brendan has been recovering from a round of Rotavirus so diaper changes have been less than fun in the past week if you know what I mean. Yesterday morning I went to change a stinky diaper and I was amazed that everything was contained inside the diaper. I have my doubts that any of our other diapers could have contained such a mess so well, and I rarely, if ever have leaks with any cloth diaper. I immediately rinsed off the diaper with my diaper sprayer and continued to wash my fluff that afternoon. The Goodmama came out looking like new…not a single stain! I was sure that I would have to take a few extra steps to clean up the light colored velour, but a normal wash routine using Rockin' Green did the trick in just one wash. Simply amazing!
I can't wait to get my hands on a few more Goodmama diapers as my cloth diaper budget allows. NOW I understand what the fuss is all about… Goodmama diapers rock!


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Browse Charger Adapters for Samsung Galaxy Light
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The Ultrabook-like Dell Latitude E6430S usually come with a 3-cell lower capacity battery which not meet long time battery life need. Dell also provide 6-cell and 3-cell Dell E6430S battery but cost lot more. However, Dell claims the 6-cell battery can reach 10 hours portable running, and the 3-cell Latitude E6430S battery is a good choice for traveling.
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text:
Cam Newton's bad attitude made him a target at his first Pro Bowl, according to unidentified players who spoke to Pete Prisco of CBS Sports.
In a timely article about last January's all-star game, Prisco describes how Newton's me-first attitude alienated him from other Pro Bowlers and caused some to play harder when he was under center. Antonio Smith of the Houston Texans had the audacity to throw Newton to the ground during the third quarter, almost as if he were playing in a real football game.
POWER RANKINGS: Who's No. 1?
The reason for the extra attention? Newton was acting too big for his britches in Hawaii.
"He was a total [expletive]," one AFC player told Prisco. "Who did he think he was? He acted like the big [expletive]. Here he was at his first game and he acted like he was the star. Guys didn't like that."
Prisco had multiple players speak off the record about Newton's bad attitude. One told a tale of the rookie quarterback refusing to sign an autograph and pose for pictures with another player's children. Another story had Newton dissing Ray Lewis.
"That's the godfather there," one player told Prisco. "Can you believe he did that?"
He dissed Marlon Brando too? That's unconscionable.
Ignoring the fact that we're in some sort of parallel universe where you have to treat Ray Lewis with the same kind of decorum as the Queen of England, this is exactly zero percent surprising. Cam Newton is cocky? I DON'T BELIEVE IT! What will we find out next? That the Hawaiian air makes Tom Brady's hair look even more magnificent?
How dare Cam disgrace the Pro Bowl. Think of all the men who have come before him and sacrificed themselves for the good of the game. When you disrespect the Pro Bowl, it's like spitting in Matt Cassel's eye or insulting Lito Sheppard's manhood. How can Cam ever look David Garrard, Steve Beuerlein or Billy Cundiff in the eyes again?
The Pro Bowl is bigger than one man, Cam.


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100% would recommend it to a friend.
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How exciting to find an 8x8 chipboard album beautifully covered and ready for embellishing. I grabbed this to use with another product line and hope to find more album cover options in the future. 6x6 seems to be the favored size, but I love working with the larger 8x8 ... more room for pictures and embellishments. Thank you, Teresa Collins
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SOLD Brass Adorable Ganesh Statue 5.5"
Item #: 61bs74
Statue Details
Total Height Including Base: 5.5 inches
Base Width & Depth: 3 x 3 inches
Weight: 3 pounds
- Adorable statue of Ganapathi!
- Perfect for a small home temple or shrine
- Ganesh ships the same day from our California showroom
Brass statues from India do not need much maintenance. The best way to maintain the statue is to simply dust the piece periodically to keep any dirt from accumulating. They can be used for both indoor and outdoor use.
You can use soap, warm water and a cotton cloth to periodically go over the statue to remove any dust or dirt buildup. If you are really interested in making the statue shine you can use some natural oil, like coconut oil or olive oil, and a cotton rag to wipe down the metal portions of the piece. You can use a toothbrush as well to get into the small crevices of the statue like the hands and hair.
Indian brass's durability makes it perfect for cold winters and hot summers of any climate. The metal can stand up to the harshest conditions of heat and bitter cold. We suggest you bathe the sculpture every couple of months so that dirt does not collect on the sculpture and then use a cotton cloth with some natural oil to give the statue a shine.
If you have any questions concerning your brass statue please email us at [email protected] or call us at 1(760) 994-4455.
This sculpture is in our Oceanside, California store and ready for immediate shipping. The shipping charge is automatically calculated by UPS for shipping within the United States. Each sculpture is usually shipped within 24 hours of the order with the exception of the weekend. To obtain a shipping quote simply add the statue you are interested in to your shopping cart and then select click on the "Calculate Domestic Shipping" button. Lotus Sculpture uses Instapak foam injection packing system or bubble wrap and recycled peanuts to ensure that all our pieces arrive undamaged. Click here to learn more about Lotus Sculptures packing.International Shipping
This sculpture is in our Oceanside, California store and ready for immediate shipping to anywhere in the world. If you are in Canada please select "UPS Standard to Canada" for the shipping option. If you are an international customer please select "International Shipping" during checkout. The shipping charge will be calculated as $0. Lotus Sculpture will email you the correct shipping cost subject to your approval or you may call us at 760-994-4455 or email us at [email protected] for a shipping quote. Lotus Sculpture uses Instapak foam injection packing system or bubble wrap and recycled peanuts to ensure that all our pieces arrive undamaged. Click here to learn more about Lotus Sculptures packing.


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These should fit any Ford from 1958 but theyre guaranteed to be an EXACT FIT for your Sunliner and will thread right on. It also includes posts that thread into the dice that can be used to mount these on your door plungers but these are universal unthreaded plunger posts that do not have the thread for your 1958 Ford on them. You would have to thread these yourself, which is easy to do because theyre aluminum, or come up with your own adapter or other way of mounting them (like glue). The universal threaded rod and bolts that come with the kit turn the dice into bolts that can be used for license plate mounting but again, just like the plunger posts, we are not sure if this is the factory correct threads for mounting a license plate on a 1958 Ford. So while the fitment of the dice on the valve stems of you Ford Sunliner is GUARANTEED the use of them for door plungers or license plate bolts may require some extra work.
Factory Description
Vintage Parts' NEW Door Cap, Door Plunger License Plate Bolt Kits add that finishing touch to your ride. Using the provided adapters, these stylish caps can be used for either your valve caps, your door lock plungers or your license plate bolts! It's all up to you, and it's all part of every kit!
Vintage Restoration Parts let you drive with the look of yesterday while delivering the performance of today's technology.
Style White Dice
Valve Caps 2
Door Plunger Adapters 2
Bolt Adapters Ideal For License Plates 2
Feature High Impact Plastic
Feature Resistant to Fading
Feature Nostalgic Look
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The so_wallpaper_0611_1280.jpg file you have requested: Media / Desktop / 1280x960 / Shot Online Wallpaper 26 (1280x960) - 906.52kb is not available. Upload any files you want to share. This is the only information we could locate:
An official wallpaper for the golf game, Shot-Online.
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Anglers Edge Marine Donzi Marine Boats Center Console boats for sale
Contact Address
298 Water Forest DriveDingmans Ferry, PA 18328
Contact Phone(855) 820-4250
Boat Brands
Anglers Edge Marine is owned and operated by Robert C. Filger. Filger has spent the past 20 years developing his knowledge of the marine industry through various sales and management positions as well as his passion for fishing. After years of serving other employers in the marine industry Filger has ventured into business for himself.
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The Banker Profit System Review By Andrew Teegan Is The Banker Profit System A Scam Or Legit? What's The Banker Profit System? My The Banker Profit System Review Reveals The Truth About The Banker Profit System Robot Until Invest in It
The Banker Profit System was designed by Andrew Teegan, a 25 year veteran investment banker along with a team of 17 of the leading algorithmic and financial analysts. After years of research and analysis, Andrew designed the 100% automated, binary options trading robot, The Banker Profit System.
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The Banker Profit System Review
The Banker Profit System strategy is based primarily on the attention on what is known points of support and resistance, these points are displayed on the chart, and we get them through the follow-up to recent moves on the chart planning for the conduct of currency origin, and based on mathematical theories we get to determine these points.
Resistance points are the points are located on the chart at the top of the usual moves area, hence the name, with high frequency of oscillations in the graph, that the drawing back on track "natural" and on the contrary, it is the support points, where they are located in regions the bottom of the natural course.
This points to two cases constitute a kind of border to price movements, if the cut line chart high resistance lines or low support lines, it often means that he will continue to move in the near future, and therefore we build our own trading plan for the same period.
In the case of oscillations it remained at the same price it is recommended that we drive to the opposite deals, because not cross the price of these points mean that he would return in the near future to its natural course, and this means that the trend will be down, if it was close to the points of resistance, and higher in the case was close to support points.
Coverage Strategy
This type of trading depends on the moves and permanent oscillations occurring in the market, where we see that even in the event of a violent moves in a certain direction, there is always the pace of continuous fluctuations, and always there, "refraction" in the graph.
The Banker Profit System strategy came to adopt a method to exploit these data as follows:
If the transaction is completed first on the loss, MUST perform the same deal on the same direction on the same as the original on the same length of time, but with double the size of the investment or even Tthleeth, and keep trying until we get to at least one deal a win-win, and according to this theory, winning the first deal even if it came after several attempts, they will cover the amount of investment that has been lost in all the previous attempts to achieve an extra profit on capital, hence the name of this strategy, where the aim is to cover the amount of investment that did not end successfully and make a profit above, from It is worth mentioning that this strategy needs to be the size of the average capital even large, so as to provide an opportunity to cover the largest possible number of attempts.
Tapping on the tendon
This strategy is based more on economic logic, since it provides for the construction of a plan of action that address the direct relations in various financial markets, which states that are traded on commodities, currencies certain after get events or changes in commodities, currencies and other, given the direct impact which may afford them the moves.
for example:
There is a belief, a The Banker Profit System Often, there is an inverse relationship between the price of gold and the price of the US dollar. According to tapping on the tendon strategy, if issued reports or forecasts indicate high close in price per ounce of gold, it is assumed building deals that are going to profit lower the value of assets related to the US dollar, and the contrary is also true.
Another example, may be a direct correlation between the price of a particular stock, the value of a particular index. For this basis also can build an action plan, in case there has been no change in the value of the said index, and building trades commensurate with the new situation on the share value on this indicator.
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Dec 3, 2013 Kiva HQ
Update on Kiva's Field Partners, Borrowers, Fellows and Field Staff in the Philippines
Last update on December 30
Following the devastation from Typhoon Haiyan in the Philippines, we reached out to our family of Field Partners, borrowers, Fellows and field staff to check on their safety and well-being. We wanted to share those updates -- including additional ways you can help -- as we receive them here.
We've also received a lot of interest in forgiving loans for those affected by Typhoon Haiyan, and our Field Partners are currently going through the process of assessing the situation with each of their clients. Since those Field Partners are in the best position to determine which borrowers were directly affected by the storm, and how that might affect their ability to make repayments on their loans, they'll be making the call on which loans to restructure or write off if necessary. We appreciate the generosity of those who have written in with their interest in helping borrowers in this way, and know that together with our Field Partners we will continue to do whatever we can to help those affected by Typhoon Haiyan.
Negros Women for Tomorrow Foundation, Inc. (Field Partner)
NWTF is managing a round-the-clock call center and gathering data at all of their branches to make sure all staff members and clients are accounted for. They're also using this info to direct their relief efforts and help the 49,918 borrowers (and counting) that have been affected. They wrote with the following update:
Since our last update, we received confirmation that one of our loan officers from Tacloban died when her family home was swept in the storm surge. Her parents also perished in the storm. Her brother was the only survivor from the storm, but he is devastated as he also lost his child while they were hanging on against the wind and the waves.
For additional updates from the Negros Women for Tomorrow Foundation, please also visit their Facebook page.
Community Economic Ventures, Inc. (Field Partner)
CEVI is part of the World Vision network, which has launched a large scale relief and recovery operation. Several members of the staff from CEVI have volunteered to assist in these efforts and are now deployed on the ground in Leyte -- one of the most severely hit areas.
We also heard from CEVI directly:
Kiva Fellows update
Other ways to help
As the affected countries and communities begins to rebuild themselves, we will be sure to keep you updated with news from our Southeast Asian family of Kiva borrowers and Field Partners in the coming weeks.
Following the devastation from Typhoon Haiyan in the Philippines, we reached out to our family of Field Partners, borrowers, Fellows and field staff to check on their safety and well-being. We wanted to share those updates -- including additional ways you can help -- as we receive them here.
We've also received a lot of interest in forgiving loans for those affected by Typhoon Haiyan, and our Field Partners are currently going through the process of assessing the situation with each of their clients. Since those Field Partners are in the best position to determine which borrowers were directly affected by the storm, and how that might affect their ability to make repayments on their loans, they'll be making the call on which loans to restructure or write off if necessary. We appreciate the generosity of those who have written in with their interest in helping borrowers in this way, and know that together with our Field Partners we will continue to do whatever we can to help those affected by Typhoon Haiyan.
An update on our Field Partners in the Philippines December 3
Our two Field Partners that were most affected by Typhoon Haiyan -- Community Economic Ventures, Inc. (CEVI) and Negros Women for Tomorrow Foundation, Inc. (NWTF) -- are both likely to experience high delinquency rates in the near future.
CEVI currently has a high delinquency rate of 32.6% since they didn't have power at their head office for most of November and were unable to communicate repayments to Kiva. We've emailed affected lenders to let them know their repayments were delayed this month and that the loans would temporarily appear delinquent until we're able to obtain accurate information. That said, it's likely we'll continue to see higher than normal delinquency rates in the months ahead since the CEVI branches were hit so hard by the typhoon.
NWTF and their Kiva borrowers were also severely affected by the storm. NWTF was still able to report repayments last month, but we'll likely see a steep rise in delinquencies for the next round of repayments. A total of 6 branch offices were affected by the typhoon, so they're still in the process of measuring the impact on their borrowers. We did hear back about one particular Kiva borrower that was featured in a blog post earlier this year, Renee. NWTF reports that she is doing alright, but has lost almost everything and the future of her business is uncertain.
As CEVI and NWTF continue to assess the full extent of the damage, they'll be sharing information about their plans for restructuring and/or forgiving loans. We've also been working with our partners to fund loans for borrowers affected by the typhoon -- loans specifically designed to help clients get back on their feet. Our partners haven't yet posted these loans since they're still dealing with the typhoon aftermath, but we'll continue to keep you updated on their status here in the blog.
Negros Women for Tomorrow Foundation, Inc. (Field Partner)
NWTF is managing a round-the-clock call center and gathering data at all of their branches to make sure all staff members and clients are accounted for. They're also using this info to direct their relief efforts and help the 49,918 borrowers (and counting) that have been affected. They wrote with the following update:
In the immediate aftermath of Super Typhoon Yolanda, we are still assessing the extent of the damage.
From our initial contact with our branches, the most devastated area was the island of Leyte; Tacloban and Palo were flattened. We evacuated our Tacloban and Palo branch staff to the nearest branch in Samar for their safety and security, though some of our staff will need to undergo trauma counseling; many feared for their lives as buildings were literally swept to sea. Both branches were wiped out and there's very little food or water now. Sanitation will also be an issue since the dead have not been recovered yet.
We will be sending teams from the head office in the next day or so to help our staff, contact our clients and distribute relief goods to them. We have taken care of the immediate needs of our staff, although those in Leyte traveled to Samar with just the clothes on their backs -- everything else was wiped out in the storm surge. We are worried that many of our clients are in even graver states.
We had an emergency meeting at the head office today and from the initial reports, we will be declaring moratorium of payments from all of the Leyte branches, as well as some in Northern Cebu, Northern Negros Occidental and Northern Palawan — if the damage is extensive, we may have to default many of the loans or at the very least restructure them to help our clients rebuild their lives.
As soon as we have more information, I plan to send out a journal update to lenders about our clients in the affected areas and let them know that there might be delays or defaults in payment as a result of this calamity.
We are hoping that you could help us enable our clients to rebuild. Where we can, we plan to restructure the loans and release bridge loans to clients so they could rebuild their businesses, and we hope that you will allow us to raise funds for the restructured loans of clients in these affected areas or allow them to take a 2nd loan so that we can help them get back on their feet at the soonest possible time.
We will update you as we get more detailed information. We would also truly appreciate your help in raising funds or sending relief goods for the typhoon victims.
We also received the following update on November 19th:
[Following Typhoon Haiyan], we had to bring all of our branch staff from Tacloban, Palo, Ormoc, Kananga and Naval to Bacolod for trauma debriefing and counselling. Another reason why we had to evacuate them from Leyte was because there was no food or water. On Thursday, November 8, even before the storm hit, one of our staff from the head office who was in Tacloban had to wait in line for 4 hours just to buy bread. During the height of the storm they had to literally scramble for their lives as the roof flew away, and water entered the buildings they were sheltering in. And after the storm, they had to deal with seeing dead people in the streets and walking long hours just to get to safer ground. Our branch offices in Leyte were totally destroyed.
The good thing is that in spite of their harrowing experience, the field staff are committed to go back and help our clients. The first team is leaving for Leyte early on Thursday. We are sending 250 sacks of rice, 10,000 1-liter bottles of drinking water, 21000 cans of sardines and clothes for distribution to our clients. This is not easy to organize as the truck carrying the relief goods will have to cross 2 islands: from Negros to Cebu, then Cebu to Leyte, and we are dependent on availability of the ferries to make the crossing.
Once we make sure that our clients are okay, we will move to the next phase and help them rebuild. We are very grateful to WholePlanet Foundation, because they already informed us that they will convert the USD 333k zero-interest loan that has been sustaining our branches in Ormoc, Kananga and Naval into a grant and they have also offered to explore additional grant funding to assist in the rebuilding of microfinance operations in Leyte.
Since our last update, we received confirmation that one of our loan officers from Tacloban died when her family home was swept in the storm surge. Her parents also perished in the storm. Her brother was the only survivor from the storm, but he is devastated as he also lost his child while they were hanging on against the wind and the waves.
Our disaster relief team finally got to Tacloban on December 3 after waiting for several days in Cebu to cross over to Leyte. The branch staff had returned to Leyte the previous week and had started to map and locate the clients, and so far they have identified 85 members who were lost or died during the storm. The only good news about this is that they had insurance coverage, so we are now processing the release of the insurance money to their beneficiaries.
After we heard the report from the disaster relief team, the directors decided that we hold a toy drive for the children of Leyte. So last Monday we went to give out the toys and meet with the clients in Palo, Tacloban and Ormoc.
As mentioned in the last update, we declared moratorium based on the status of the branch:
- C1 and C2 branches, which were the least affected were allowed to declare 1 week repayment (November 6-15) in their affected centers;
- C3 branches were allowed to declare up to 2 weeks (Nov 6-22) moratorium;
- C4A branches were allowed to declare 2 weeks moratorium and may extend it if the branch and area managers determine that it is necessary;
- C4B branches were allowed to declare moratorium for the whole of November, and up to December – based on feedback from the field we may even have to extend this to January.
We sent journal updates to all Kiva lenders who lent to NWTF borrowers, and depending on the degree of impact of the location and client, we informed lenders that we may submit partial or no payment from the clients. And as usual, we uploaded the collection report as we received them from the branches.
For the worst hit branches (C4B) with an ongoing payment moratorium, we are following these rehabilitation steps: map and locate clients, and distribute relief goods; invite clients to attend a meeting and update their status and impact from the storm; conduct IGSS -- interview clients about how they plan to restart their business and if they need to do house repairs; assess whether to offer a new loan, or restructure their existing loan and offer a bridge loan; and process the loan for disbursement or restructuring.
We will soon be offering four special loans for disaster relief:
- Restructuring of outstanding loans. We will allow repayment up to 36 months – we are still studying if we could afford to make this principal payments only with zero-interest.
- Bridge Loans to restart their business. $23-$115 for a maximum period of 12 months (we will offer this to clients with PPI scores of <34).
- Special Loans for house repair/rebuilding and/or to restart business activities. $23-$675 for a maximum period of 12 months.
- Green Loans to support client's business activities (amount to be determined by client's capacity to pay).
These loans will likely be posted in January under the "Disaster Relief" loan attribute.
For additional updates from the Negros Women for Tomorrow Foundation, please also visit their Facebook page.
Community Economic Ventures, Inc. (Field Partner)
CEVI is part of the World Vision network, which has launched a large scale relief and recovery operation. Several members of the staff from CEVI have volunteered to assist in these efforts and are now deployed on the ground in Leyte -- one of the most severely hit areas.
We also heard from CEVI directly:
Our branches in the provinces of Iloilo, Cebu, Bohol, and Leyte were affected by typhoon, but the most severely affected are the two branches in Iloilo and two branches in Leyte. For now, communications and power supply are difficult in these provinces, but we were able to reach out to staff and thankfully they are fine. So far we've provided initial assistance such as food and water, and will proceed with a more formal assessment next week once roads are cleared and local authorities secure the area -- especially in Leyte.
You can see more photos and updates on World Vision's Facebook page.
Center for Community Transformation Credit Cooperative (Field Partner)
November 18th update provided by CCT:
Center for Community Transformation Credit Cooperative (Field Partner)
November 18th update provided by CCT:
The whole world heard about what happened in the Philippines and how Typhoon Haiyan destroyed some of the areas -- specifically Tacloban.
Our staff that we've been able to reach in the Visayas report that 100% of CCT community partners in the provinces of Capiz and Iloilo lost their homes, and 970 community partners in Coron, Palawan were affected. We have yet to determine the number of families affected in other areas and are still trying to establish communications with co-workers and 35 partner churches in Tacloban, Leyte.
By God's grace, CCT is mobilizing all the funds and relief goods that we can get to send to the affected areas. Some of our team members and doctors are now in Capiz assessing the damage and providing medical help. We praise God for the several churches and individuals who have expressed their desire to partner with CCT. Our Ka-Partner Network friends have also launched a fundraising site to gather donations from the US. We are coordinating with the Philippine Red Cross for us to go to Tacloban by air or land so we may help to locate and secure our partners.
We invite you to join us in this effort of helping our community partners and staff in whatever way we can.
Kiva Fellows update
We recently had two Kiva Fellows serving in the Philippines: Mike Mazur and Ron Beaton.
Mike has since moved on to Indonesia prior to Typhoon Haiyan's arrival, but was previously working in the areas now affected by the storm. Ron Beaton is currently in the northern parts of the Philippines and confirmed safe. We also have another fellow in the region, Huyen Bui, who is safe in Vietnam.
Mike has since moved on to Indonesia prior to Typhoon Haiyan's arrival, but was previously working in the areas now affected by the storm. Ron Beaton is currently in the northern parts of the Philippines and confirmed safe. We also have another fellow in the region, Huyen Bui, who is safe in Vietnam.
Other ways to help
Our friends over at GlobalGiving have set up a Super Typhoon Haiyan Relief Fund and several other specialized relief projects in the wake of the storm.
TIME World has also assembled an excellent collection of NGOs and charities that are mobilizing relief efforts in the Philippines:
TIME World has also assembled an excellent collection of NGOs and charities that are mobilizing relief efforts in the Philippines:
If you're looking or have information on a missing person, Google Person Finder has launched a Typhoon Yolanda page. A Google Crisis Map is also available for evacuation and relief information.
The mGive Foundation is collecting donations from U.S. wireless subscribers, who can text AID to 80108 to give a $10 donation to the organization's Philippines Typhoon Diaster Relief Fund. Charges will appear on the user's wireless bill or will be deducted from a prepaid balance. Text STOP to 80108 to stop or HELP for assistance. Full terms are available here.
UNICEF is supporting relief efforts by helping displaced families find access to shelter, clean water, food and vaccines and airlifting $1.3 million of additional supplies from its Copenhagen warehouse. You can donate online, call 1-800-367-5437 or text RELIEF to 864233.
The Philippine Red Cross is providing a tracking service for family members looking for missing people. The organization is accepting donations on its website (100 PHP = $2.30) and is looking for volunteers to help assemble relief packages at its headquarters in Manila.
The American Red Cross has also activated a family-tracking service for those looking for a missing family member in the Philippines. Donors can send a check to their local chapter, indicating "Philippines Typhoons and Floods" in the memo line.
The World Food Programme is mobilizing 40 metric tons of high-energy biscuits and additional relief supplies, but it is also accepting donations online or by calling 1-202-747-0722 or +39-06-65131 from outside the U.S.
CARE is accepting donations on its website and has deployed workers to the Philippines to assist with emergency relief. You can donate by phone at 1-800-521-2273 or +1-404-681-2252 for international calls.
Oxfam has emergency responders on the ground to assist with relief support. The organization is asking for contributions to its Typhoon Haiyan Relief and Recovery Fund online.
International Medical Corps is also on the ground to help assess damage and is accepting donations on its emergency-response page for Haiyan relief.
ChildFund International is distributing clean water, food, blankets and other emergency aid items. Staff members are also setting up child-centered spaces in evacuation centers to offer counseling and relief for children and their families. Donate online.
Doctors Without Borders has had 15 members of an emergency team in Cebu since Saturday. The organization is sending more staff to assist with medical and psychological treatment as well as items such as medical kits, vaccines and hygiene kits over the next few days. An additional cargo with an inflatable hospital and medical material is being prepared to leave later this week. Donate online.
The International Rescue Committee has also dispatched a team of aid workers to assist in assessing the damage and providing access to clean water and hygiene and sanitation needs. The organization is asking for donations online.
As the affected countries and communities begins to rebuild themselves, we will be sure to keep you updated with news from our Southeast Asian family of Kiva borrowers and Field Partners in the coming weeks.
Buck and I are willing to
Buck and I are willing to forgive any loans we may have in the Plilipines heavily devastated areas.
Permalink Submitted by Billie Giese on Thu, 11/14/2013 - 20:33
I am also willing to forgive
I am also willing to forgive any loans I have to borrowers in heavily devastated areas in the Philippines.
Permalink Submitted by Monica Orozco on Thu, 11/14/2013 - 22:33
Thank you for the detailed
Thank you for the detailed update Brandon! It gives us all a clearer picture of the difficulties ahead. As things get sorted out, I'm sure the Kiva community will be ready to help any way we can!
Permalink Submitted by Sheila Furlong on Fri, 11/15/2013 - 01:29
I am also willing to forgive
I am also willing to forgive any loans made in the area - and it would be nice if there would be for example charity loans to support the borrowers to get on their feet.
Permalink Submitted by Kasia Someya on Fri, 11/15/2013 - 02:09
I had just made a loan to
I had just made a loan to Valerio in the Philippines and I am certainly able to forgive payment on that loan, I have already made a donation to a relief fund for the Philippines typhoon relief.
Permalink Submitted by Rochelle Rubenstein on Fri, 11/15/2013 - 10:49
Don' t worry about forgiving
Don' t worry about forgiving loans. There will be many defaults either you want it or not. The sad truth is that a lot of borrowers are either dead (injured)/or became distitutes. Donations should be made through organizations listed above, not through Kiva loans.
Permalink Submitted by MR on Fri, 11/15/2013 - 12:14
The Salvation Army and Church
The Salvation Army and Church World Service are two agencies who have on-going programs in the Philippines and were in a position to give immediate relief. Relief agencies from the religious community are often omitted from lists in disasters, yet they are known for their efficient and caring relief aid. Check out the website of your faith! www.salvationarmy.org www.churchworldservice.org
Permalink Submitted by Judy Humphrey on Sat, 11/16/2013 - 10:37
Obviously it would be foolish
Obviously it would be foolish to demand anything from people who lost almost all, so I'm all open to restructuring/forgiving loans to affected people. But there's also a second side to this: Is there a way for the Kiva community to help in rebuilding by supplying loans? I currently got about 1,500 $ sitting around on my bank account, for which I don't have an immediate use (but which I'll likely need some years down the road, so donating/giving away is not an option – after all, im still a student!). So I could loan these to people in the Philippines in need, and receive that money in like 3-4 years, after they're out of the direst straits. Or wouldn't this be possible?
Permalink Submitted by Andy on Sun, 11/17/2013 - 02:32
In some cases, the recipient
In some cases, the recipient will have died in the storm. Normally, the loan would be repaid within six months- one year at the max. The money is yours. God doesn't want your compassion to cause you pain. You might consider loaning to those people NEAR the hardest hit areas. They might help their neighbors from their surpluses. Thank you for your deep concern. Richard
Permalink Submitted by Richard on Tue, 01/28/2014 - 07:13
I have great sympathy for the
I have great sympathy for the people in the Philippians, but I have several thousand dollars in loans there and forgiveness of loan would be a hardship. I know that Kiva had risks, but was not prepared to lose almost my full amount. It should definitely be on a case by case situation.
Permalink Submitted by Kathryn on Sun, 11/17/2013 - 13:45
This is a great test for
This is a great test for those who lend too and shows a true character in both camps (lenders and borrowers). Personally I think you should have diversified your portfolio (I currently invest in people from 63 countries thru Kiva), but lesson here (for many lenders whose loans default) is that if it doesn't kill your spirit of sharing and compassion, then it makes it stronger :) And for those who believe, note that God will bless the compassionate heart and provide in multiples to those were willing to sacrifice for the poor.
Permalink Submitted by Yaaro on Sat, 11/23/2013 - 02:29
I would think they wouldnt
I would think they wouldnt all be defaulted since alot of the country was not affected by the storm. It would be like forgiving all US loans after Sandy. Would be illogical.
Permalink Submitted by Ellen on Sat, 11/23/2013 - 15:14
I read what I could about
I read what I could about disaster relief and default of the loans. I saw no mention of defaults unless the lendee was deceased. Deferred compensation is not default. Some notes will be listed as delinquent because the office was flattened by the storm. There will be delays, and a few of them will be defaults. Not many. Just a few. At least that's what I'm counting on. I do this out of pride for the lendees. They are the fuel that makes this economic engine go. As each one is bettered by the loan, they are enabled to repay the note, making the money available to the next lendee. I'm just the guy with the TV and the keyboard. I'm pretty sure it won't be as bad as you think. Richard
Permalink Submitted by Richard on Tue, 01/28/2014 - 07:26
This is a very difficult
This is a very difficult situation for everybody. IMO, forgiving/defaulting many loans will be tough on Kiva as well. Kiva is based on relending repayments. If repayments are not coming, loans are not getting funded (expire). A lot of expired loans will make many Field Partners unhappy...
Permalink Submitted by MR on Sun, 11/17/2013 - 15:37
I am concerned about the
I am concerned about the woman I have supported with a loan for her general store. How would I find out if she is okay?
Permalink Submitted by Marcie on Sun, 11/17/2013 - 20:56
Hi Marcie, thanks so much for
Hi Marcie, thanks so much for the concern. We've reached out to our Field Partners in the region and they're all in the process of checking on their individual borrowers right now. While it may take some time to assess the extensive damage, the updates on borrowers you've lent to will show up here: http://www.kiva.org/updates/myloans
Permalink Submitted by Brandon on Mon, 11/18/2013 - 16:30
i'd like to make a loan to
i'd like to make a loan to the phillipines and see 99 listed. have these loans not been effected by the typhoon? it seems the loans may not have been updated by the issues faced by lenders. will their use be modified and if so how.
Permalink Submitted by Charles White on Tue, 11/19/2013 - 06:00
There have been some loans
There have been some loans added to Kiva the last couple of days that were both before and after the typhoon disbursed. So some of them were not affected.
Permalink Submitted by Ellen on Sat, 11/23/2013 - 15:18
I made a loan to Lilyn in the
I made a loan to Lilyn in the Philippines and I am certainly able to forgive payment on that loan. My daughter (in whose memory I am participating in Kiva) would have wanted to give the money to Lilyn.
Permalink Submitted by Fiona on Tue, 11/19/2013 - 06:24
I just want to know whether
I just want to know whether Gemma is okay. I'm fine with whatever is decided regarding restructuring or forgiving.
Permalink Submitted by Denise on Tue, 11/19/2013 - 07:22
I have made loans to Rosita
I have made loans to Rosita and Virginia. Will someone post on how these women are doing? I would be happy to let those loans go. And fund them again once they get to that point.
Permalink Submitted by Cathy on Tue, 11/19/2013 - 22:12
My thoughts and prayers are
My thoughts and prayers are with all the people in the typhoon devastated areas. I am more than happy to forgive any loans to people in this area. They will have enough on their plate without worrying about making loan repayments. God bless.
Permalink Submitted by Mercedes on Thu, 11/21/2013 - 22:21
All loan to the Philippines
All loan to the Philippines should be written off. I should think it is very hard to repay loans when your shop has been looted by desperate people. When things have settled down a bit, the people of the Philippines will need as much help as possible to rebuild there lives, this is were KIVA must concentrate their loan funding efforts. Regards Mike,UK
Permalink Submitted by Mike Button on Thu, 11/21/2013 - 22:45
That, the desperate ones, are
That, the desperate ones, are exactly the reason I want my money right in there slugging. Shop keepers desperately need new money to re-stock for their customers needs, Right now, street vendors are exactly what's needed; they care mobile, they have wit and skill to keep the business going, and they provide the 'comfort food' that people want to eat. Personally, I don't trust 'should'. Do, or do not, but don't 'should' on others. I want to see the people rebuild stronger and more prosperous than before. And I'm betting real money on my belief that they can. Richard
Permalink Submitted by Richard on Tue, 01/28/2014 - 07:35
I am also willing to forgive
I am also willing to forgive loans to my Philippine awardees. And I'd kick in a bit more if Kiva needs to fill some funding gaps either on other loans where people aren't able to write that off, or for administrative issues.
Permalink Submitted by Mary on Fri, 11/22/2013 - 05:51
What a response! I'm all in,
What a response! I'm all in, because this can make and unite all Kiva lenders and make our spirit even stronger than before! For those lenders who would struggle to see their loans default and be discouraged to continue we should all donate to some KIVA fund which would reimburse a proportion of their losses should they sign up for such help. Lenders supporting other affected lenders would make everyone feel like one big family! :) Kiva United!
Permalink Submitted by Yaaro on Sat, 11/23/2013 - 02:43
I couldn't agree more with
I couldn't agree more with your comments and many others on this subject. I can afford to loose my loan but can see that it may be difficult for others to do the same. The idea of a Kiva fund for the area seems to make great sense. I am ready to help with funds as soon as something could be set up.
Permalink Submitted by Richard Broad on Wed, 11/27/2013 - 15:26
I agree that any loan to the
I agree that any loan to the Philippine awardees should be written off in view of the utter devastation there.
Permalink Submitted by Rod on Fri, 11/22/2013 - 06:28
I do not agree. Not all the
I do not agree. Not all the PI was knocked out by Hynan. These folks have been through a lot before this and got back up. We may need a hedge against environmental disasters, and their effects on our ability to carry the mission forward. We have no information about the state of the loans other than the in country partners information. They indicate there may be a delay in re-establishing the records and bookkeeping, but no defaults yet. I'd like to see more flexibility in our accounting of these loans. Nobody knew they were going to get hit. Nobody planned on defaulting. They'll just need a months grace, or a supplemental bridge loan. They're not knocked out. They're just knocked back. Richard
Permalink Submitted by Richard on Tue, 01/28/2014 - 07:44
The thoughts of all of us
The thoughts of all of us here at Mishcon de Reya are with the people affected by Typhoon Haiyan.
Permalink Submitted by Mishcon de Reya... on Sat, 11/23/2013 - 13:45
If we are going to forgive
If we are going to forgive all Philippine loans, then we need to forgive all DRC loans as well. After all, in the DRC, people have been living in war conditions for some time. Many were killed, displaced, robbed, raped, etc.
Permalink Submitted by Rimma on Sat, 11/23/2013 - 16:25
So how do we forgive the
So how do we forgive the loans?
Permalink Submitted by daniel on Thu, 11/28/2013 - 04:30
I appreciate that the field
I appreciate that the field partner has agreed to allow the entrepreneurs to delay repayment of their monthly loan installments due to the damages caused by the typhoon but I don't believe that a 1-2 weeks moratorium is enough...it should be longer, if not outright forgiveness of the loan balance
Permalink Submitted by Robert&Carole on Sat, 11/30/2013 - 05:30
I agree with Robert&Carole
I agree with Robert&Carole that the 1-2 week moratorium won`t be enough .I too would be willing to forgive the Philippines loans. Will we get another update soon?
Permalink Submitted by EllenPCanada on Sat, 11/30/2013 - 06:23
I would like to forgive my
I would like to forgive my loan as well to assist in the relief effort. Please let me know how we can allow this. So many of us are willing here.
Permalink Submitted by Allan Woodman on Sat, 11/30/2013 - 09:41
I'm not sure how that might
I'm not sure how that might go. I know the site has an option box to donate the repaid loan to KIVA. I'm not sure what happens after that. After reading several of these charity requests, I understand the sentiment, but disagree with the method. Many of these people wanted the loan to start or expand a business. There will be plenty to do, rebuilding. I can't tell anyone what to do with their money, but I want to see my clients recover, repay, and re-empower the next lendee. Any person who can keep a deal, make a living, and see the success of his work go further to help the (temporarily) less fortunate, are themselves empowered. I like how that works.
Permalink Submitted by Richard on Tue, 01/28/2014 - 11:24
I want to forgive all loans I
I want to forgive all loans I have out to anyone in the P.I. thank you.
Permalink Submitted by Steve Anderson on Sat, 11/30/2013 - 17:36
I have several loans in the
I have several loans in the Philippines, how can forgive them? I also agree with the above comments that the 1-2 week moratorium won`t be enough. Will someone post on how these women are doing? My thoughts and prayers are with them.
Permalink Submitted by Colleen on Sat, 11/30/2013 - 21:13
My understanding is that the
My understanding is that the 1-2 weeks moratorium is for clients from slightly affected areas. For clients from badly damaged areas they announced the 4 weeks INITIAL moratorium+ rescheduling of a remaining loan balance+ a small bridge loan for restarting their businesses.
Permalink Submitted by Rimma on Sat, 11/30/2013 - 22:10
That sounds like a best
That sounds like a best practice. I know none of my loans were delayed at all, even the ones in Cebu. I'm expecting some delays. It's to be expected. But, I'm not writing anybody off just yet. Lately, I've spread the loans generally, in the PI. Currently I'm trying to underwrite loans on things most necessary for survival and recovery. People have to eat, talk, travel, and receive medical assistance. So, that's the sort I'm currently underwriting; Jeepneys, street vendors, computer and cell phone shops, salvage yards, construction materials, boats (both fishing and transport) tools and equipment. Remember, we started with the notion of a hand up. Not a hand out. What's stopping us now?
Permalink Submitted by Richard on Tue, 01/28/2014 - 11:33
Brandon, Thanks for the
Brandon, Thanks for the update. If you are still reading here, I'd like to know about whether NWTF was ever able to locate all of their staff members. When I last heard anything about that, there were still 2 people unaccounted for, from their staff. Does Kiva know anything about that?
Permalink Submitted by Amy on Thu, 12/05/2013 - 10:55
I've written to Kiva saying
I've written to Kiva saying that I'm happy to 'forgive' my 2 (small) loans to those who may be affected, so am repeating the message here. I wish I was in a position to do more.
Permalink Submitted by Richard Wright on Tue, 12/31/2013 - 02:04
When Typhoon Wasabi hit
When Typhoon Wasabi hit Mindanao two years ago there was a lot of aid, did they recover, somewhat, actually they still need aid now, but have been more or less forgotten. This will be no different The Filipino is both proud and resilient, they will come back,but it will certainly take more than a few weeks, some still have no electric As I run my own charity there I know , three out of my four homes that provided help,have been destroyed,thats why I have not loaned for 90 days with Kiva For myself and my small team I do not mind the loans I have being written off, however only one is in trouble, they are still paying back, I am so proud of them
Permalink Submitted by Stephen Kelly on Wed, 01/29/2014 - 14:21
Any update when there might
Any update when there might be some Disaster Recovery loans?
Permalink Submitted by john gratian on Mon, 02/03/2014 - 21:44
I would also prefer to
I would also prefer to forgive loans that I may have that would be in the Typhoon affected areas, if it's not too late. I hadn't even thought about it.
Permalink Submitted by Beth Gardner on Thu, 04/17/2014 - 16:50
My portion of this Kiva loan
My portion of this Kiva loan in the Phillippines may be forgiven in the interest of helping people in this area recover from this terrible disaster.
Permalink Submitted by Nancy B. on Fri, 12/19/2014 - 12:24
I would like to inquire if
I would like to inquire if you have kiva branches in Misamis Occidental, Philippines. I appreciate for your response. Thanks, LeRoy
Permalink Submitted by LeRoy on Tue, 02/24/2015 - 04:21
My Kiva loan may be forgiven
My Kiva loan may be forgiven to assist those affected by the Typhoon.
Permalink Submitted by Aileen Enriquez... on Fri, 01/15/2016 - 21:14
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Brandon is from North Carolina, where he studied journalism at UNC Chapel Hill. After interning at Kiva in 2012, he joined the staff full time in 2013 to serve as the Community Marketing Coordinator, Kiva's liaison with the 25,000 lending team communities. In his spare time, Brandon enjoys medium-format photography, biking around the bay, and keeping in touch with friends and family on the east coast.


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RIP Barbary Coast
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Originally Posted by jkp714: Elcortez that's funny
Its halarious.....Rooms for $8 sometimes because its the biggest dump in the world, and like the other guy said...Unless youre playing horses, who sits in a sportsbook?


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What fuels Wichita State? Your hate, college basketball
ST. LOUIS – The Missouri Valley Conference extended a wonderful Arch Madness parting gift to the undefeated Wichita State Shockers on Sunday afternoon.
Seconds after they finished beating Indiana State 83-69, the players were handed T-shirts commemorating their Missouri Valley tournament championship. The shirts had a bracket on the back that said the Sycamores actually won the thing. Nobody noticed until the Shockers were wearing them.
One league's gaffe is another man's gold.
For a program that relishes bathing in the icy water of disrespect, this was perfect. Total domination of the conference ends with a printing mistake that denies the Shockers their first Valley tourney title in 27 years. The players were proudly cloaked in insult as they cut down the nets in the Scottrade Center.
"Hey, hey!" a gleeful Gregg Marshall said upon seeing the shirts. "Someone get a picture of this."
They got pictures. And they will keep the shirts, too. The conference eventually will send a shipment with the correct bracket on the back, but these may remain the Shockers' favorite souvenir from this three-day tour de force.
"We won," point guard Fred Van Vleet said. "[The Sycamores] don't get to wear the shirts today."
As motivated masochists, the Shockers will wear the hairshirts of external doubt from now through Selection Sunday and into NCAA tournament play – which almost assuredly will begin in this same arena on March 21. From now until then they will hear an increasing chorus of criticism aimed at the Wichita State schedule (ranked 131st by Ken Pomeroy) and conference (ranked 11th). The power-conference snobs will be out in force, railing against the No. 1 NCAA seed that is assuredly heading Wichita's way (many of them already are, and a high percentage of those hail from Lawrence, Kan.). Others will wonder whether the ensuing 12-day layoff without a game will leave the Shockers flat and rusty (didn't happen last year). And, yeah, there is at least one guy who thinks that being the first undefeated team to enter the NCAAs since UNLV in 1991 is a potentially problematic burden.
All of it will be music to their rabbit ears, which detect slights the way Tiger Woods hears camera clicks during his backswing.
Marshall was asked Sunday whether he had a message for the skeptics who will be prowling Bracketville. Marshall said he did not. But then he doubled back a couple minutes later.
"I want to get back to you," he said to the reporter who asked the question. "I might have an answer. I'm going to go with [Wichita State center] Chadrack Lufile's tweet about two weeks ago: 'Wolves do not fret over the opinions of sheep.' "
Then Gregg Marshall flashed a wolfishly predatory stare from the podium.
Thus the Shockers embark on their NCAA tourney journey as the most highly-regarded and highly-scrutinized team from outside the power-five conferences since Memphis in 2008. Gonzaga was a No. 1 seed last year but didn't grab the nation's imagination the way Wichita State has – and for good reason, as it turned out. The Shockers eliminated the Zags in the round of 32, on their way to a surprise Final Four as a No. 9 seed.
There will be no hiding behind a low seed this time around. No sneaking up on anyone. Marshall's team will be the national talking point from now until they lose.
If they lose.
It will take a really good team playing really well to beat the Shockers. What they lack in résumé sizzle they make up for in eyeball-test substance. They perfectly embody the play-hard-smart-together ethos of great teams, and they augment those qualities with plenty of talent. There may be a couple of teams with better players than Wichita State, but the list is short – and the teams on it don't always maximize their talent the way the Shockers do.
"They're the best team in the country," said Indiana State senior Jake Odum.
The Shockers are blessed with four go-to guys. On a day when their most prolific 3-point shooter, guard Ron Baker, went 0-for-6 outside the arc, the rest of the team went 9-for-16. That continued a torrid shooting weekend, with Wichita State making 28 3-pointers in 63 attempts (44.4 percent).
The two shooting stars Sunday were Tekele Cotton and Van Vleet, each of whom was 4-for-6 from 3-point range. Cotton was the tournament's Most Outstanding Player and forward Cleanthony Early is the team's best talent, but it is Van Vleet who is the most indispensible Shocker.
When the game got close, and with Early struggling through a poor second half, Van Vleet showed why he was named the Missouri Valley Player of the Year. Indiana State battled back from a 15-point deficit to close within four points, and suddenly Van Vleet became Van Gogh. He produced a masterpiece over the final 13 minutes.
He scored 16 of Wichita State's next 33 points, nailing four 3-pointers and driving for a pair of baskets. Content to be a facilitator when the situation calls for it, the sophomore is perfectly capable of taking over when needed.
"I had opportunities all game that I was passing up because I didn't want to be overly aggressive and force the issue," Van Vleet said. "But coming down the stretch, I just was a little bit more aggressive and took advantage of some opportunities I had."
The opportunities for the Shockers grow larger from this point forward. And the noise surrounding this team will grow louder.
They are chasing immortality, the first 40-0 season ever. But they are also being chased by a horde of doubters who will be waiting to fire told-ya-so arrows at them if they fall short.
For a team with a perfect record and a permanent chip on the shoulder, those doubters are as welcome as the erroneous Arch Madness T-shirts they wore while cutting down the nets Sunday.
Click the image below to relive Wichita State's historic season.


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Quilting details the bottom of this utilitarian Herschel Supply Co. backpack. A two-way zip opens to reveal the lined, two-pocket interior. A zip front pocket adds extra storage. Locker loop and adjustable shoulder straps.
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