(Last year, I decided to join the crowd and post about Blog Action Day’s topic, saving the environment. This year the cause for Blog Action Day is poverty. As a personal finance blogger, I felt that it would border on irresponsibility to not join the cause. One of the charities they suggest [...]
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Blog Action Day: Thoughts on Poverty
October 15th, 2008 — , charity, homeless, personal finance, poverty, third world countries from Lazy Man @ Lazy Man and Money
How to Avoid Nickel and Diming Your Way to the Poorhouse
August 14th, 2008 — , Financial Security, Long Term, Retirement, bread and butter, budget, goal, gum, harsh light, impulse purchases, ins, instant gratification, mcdonalds, money, new experiment, nickel, personal finance, perspective, poorhouse, poverty, quarters, rest of your life, spending habits, tipping point, whatsit from Rich Leverage @ Rich Credit Debt Loan
We would love to start a great new experiment, where everyone would catalog all of their impulse purchases for the course of one year. Everything from that cheap pack of gum to the “whatsit” that we really don’t need would have to be recorded. At the end of the year, everything would be totaled up [...]
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Review of the Richest Man in Babylon
June 13th, 2008 — , Money Management, fables, financial future, getting a loan, good advice, great depression, hot stock, leverage, living expenses, living paycheck to paycheck, money, morals, moths, paycheck to paycheck, personal finance, personal management, populace, poverty, purse, purses, smart investments, streams of income, teenagers, wealth from Rich Leverage @ Rich Credit Debt Loan
This is probably one of the most commonly used books by those who are looking to create wealth. It first came onto the scene in 1926, and shot to fame during the Great Depression as the desperate populace looked for a way out of poverty. While this book does raise many good points and offers [...]
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November 19th, 2007 — Juliaca, Maren Misner, Puno, microfinance, microfinanzas PRISMA, peru, poverty from marenmisner @ Kiva Blogs from the Field
Wow, what to say…
I’ve been in Peru now about a month and a half and have had a collection of experiences reflecting every aspect between the poles of ‘what am I doing here?!’ and ‘awe-inspiring beauty’… here are some thoughts I’ve gathered along the way…
Sitting in the idle combi, waiting for it to fill [...]
¡Perú! ¡Perú! ¡Perú!
July 27th, 2007 — "prisma microfinanzas", FINCA, microfinance, microfinancing, peru, poverty, terrorism from Ramon @ Ramon's Kiva Blog
Finally, Perú is on Kiva. There are now two MFIs active, that Kiva has had discussions with for a while: Finca Perú and Prisma Microfinanzas. They are active in the Ayacucho and greater Puno/Juliaca regions, respectively. All very exciting.Let me add…
Interest for Kiva Lenders — why maybe yes, and why maybe not
June 4th, 2007 — Kiva, interest, kiva.org, kivafriends, kivafriends.org, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog
A topic on Kivafriends that doesn’t want to die (which shows its importance), is whether to offer interest rates to lenders or not. And it’s a topic that I can’t stop pondering about– I’ve often said that I support it, but that I prefer the “feel-good…
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Where the streets have no names and the poor have no chance
May 16th, 2007 — Kiva, economy, good governance, kendall mau, latin america, microfinance, microfinancing, nicaragua, poverty, prisma from Ramon @ Ramon's Kiva Blog
It’s been a while. Work has been busy (my company was just bought by our largest competitor), and although I’ve been able to contribute various posts to KivaFriends, I haven’t been as active as I’d want to.Reading through Kendall’s reports on the state…
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First loan fully repaid
May 5th, 2007 — Kiva, economy, mexico, microfinancing, poverty from Ramon @ Ramon's Kiva Blog
Yesterday, I received the following message from Kiva:From: Kiva Date: 3 May 2007 21:43:26 -0700Subject: Loan RedemptionTo: ramonDear Ramon,This email confirms that $25.00 of your loan to Venta de Mercancia por Temporada is now redeemable.This amount…
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April 30th, 2007 — Bolivia, IMPRO, Kiva, kiva.org, loans, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog
Ciriaca Colque is her name. She runs a milk transport business that brings milk from the farms in the Altiplano of La Paz to the local Pil Andina diary factory, in El Alto, Bolivia. El Alto literally means “The Height”, and high it is: 4150 meters (13,…
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April 24th, 2007 — Kiva, interest, kiva.org, loans, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog
Disclaimer / Challenge: please note that the blog post you’re reading is based on my personal insights and logic I think is true. As I have no economics or financial background at all, I would be thrilled to be proved wrong. Please let me know if you d…
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April 18th, 2007 — Kiva, esperanza international, google maps, kiva.org, latin america, loans, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog
Following Pondering Pig’s example, I created a My Google Map (or a Google My-Map or whatever) for my investments. Here it is.Some other users Kiva Maps:Christopher from LondonFred from TexasPomerleau Family’s mapPondering Pig’s map (which we already me…
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April 13th, 2007 — ILD, Kiva, africa, economy, kiva.org, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog
This post is in direct response to Richard Kent’s encouragements to keep on investing in Kiva, in a thread at the Kivaloans Yahoogroup mailing list. Richard is the Ugandan CEO/D for Children Care Ministries, a religious based charity in Uganda.My reply…
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April 10th, 2007 — Kiva, caribbean, economy, esperanza international, haiti, kiva.org, poverty from Ramon @ Ramon's Kiva Blog
It all started with Ben Elbinger’s cryptic message to the Kivaloans Yahoogroup last night. A new country was coming on-line. A NEW COUNTRY!Interestingly, a new country on Kiva.org is an occasion for excitement, enticement, and loan-spending debauchery….
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April 10th, 2007 — Kiva, economy, honduras, kendall mau, kiva.org, loans, microfinance, microfinancing, poverty, prisma from Ramon @ Ramon's Kiva Blog
For those of you that haven’t visited Kendall Mau’s blog in a while, or that haven’t visited his blog at all, please do so. He recently added a WEALTH of information about the inner workings and considerations of the MFI he runs in Honduras and Nicarag…
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April 2nd, 2007 — economy, honduras, kiva.org, latin america, loans, microfinance, microfinancing, poverty, prisma from Ramon @ Ramon's Kiva Blog
Since it’s a new month, I just entered by bimonthly loan, my loan number 12. This one is to Dunia Herrera, why sells cloth in Choluteca, Honduras. Choluteca, in addition to having a cool name, looks on Google Maps just like the place I’d like to spend …
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Kiva and longer loan terms
March 26th, 2007 — Kiva, economy, kiva.org, latin america, microfinance, microfinancing, nicaragua, poverty, prisma from Ramon @ Ramon's Kiva Blog
As I have described over and again, my believe is that in order for a micro-entrepreneur to be successful, the business (and thereby inferred–the micro-loan) needs to fulfill several objective and subjective criteria. If they don’t, then the loan is n…
Soon to be Republica Bolivariana de Ecuador?
March 15th, 2007 — Kiva, economy, ecuador, kiva.org, latin america, loans, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog
One of the advantages of investing into a local opportunity through Kiva is, that you, consciously or subconsciously, keep better track of what is going on in those countries in which you invested. And therefore, when things are happening in Ecuador, i…
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What convinced me to make my latest Kiva.Org loan
March 2nd, 2007 — Kiva, economy, ecuador, latin america, loans, microfinancing, poverty from Ramon @ Ramon's Kiva Blog
I just invested my bimonthly installment of $25 into a cattle and rice farm called Hacienda la Maria, owned by Ivan Romero in Ecuador. What made this one stand apart from all others?First, I should say that I am overinvested in Ecuador. Initially, I th…
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Poverty and how (not) to solve it.
March 1st, 2007 — microfinance, peru, poverty from Ramon @ Ramon's Kiva Blog
Our trip to Perú made painfully clear what I already knew, but it is always good to put things to the front of the mind.Many times, developing countries are defined by their gap between rich and poor. While this gap is real and existent, it’s by no me…
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