Subject: Kiva
Date: Thu Feb 17 16:32:34 2011
User: Snowguy
Message:We have repayments! Let's get some more of that money re-lent! (As of now, we have lent $13,525 in about 1 year and 9 months, comprising 435 loans.)
Link: Team Freecell
Date: Thu Feb 17 16:58:33 2011
User: dede
Message:thanks joe......
Date: Thu Feb 17 19:25:29 2011
User: bil
Message:thanks for the reminder
Date: Tue Feb 22 09:05:38 2011
User: malr
Message:I knew it would happen eventually. Finally found a loan I hope doesn't get funded - but boy! it took a while.
Link: is it just me?
Date: Tue Feb 22 09:19:43 2011
User: mrbuck
Message:It's not just you, but I'd like to point out this is how NASCAR got started.
mrbuck
Date: Tue Feb 22 10:10:26 2011
User: Snowguy
Message:The interesting thing is this is a group loan. His is the flagship part of it. WHY didn't they use somebody else's loan as their flagship? The woman might have needed dressmaking supplies. Another man might need money for brick-making supplies. But they emphasize his.
In any case, he won't get any of mt lending funds.
Just wondering; what is "crude alcohol?" Is it alcohol in its natural state that he intends to refine and sell, rather than just resell?
Date: Tue Feb 22 10:31:18 2011
User: malr
Message:Snowguy, that's a real naive assumption you got there... she might need pseudoephidrine & iodine, and he might need nine hundred condoms and a video camera.
Although, probably not...
Date: Tue Feb 22 11:39:01 2011
User: bil
Message:Snow, you might know it as Everclear
Date: Mon Feb 28 09:30:17 2011
User: Snowguy
Message:It happened again! Every Kiva loan request world-wide has been funded. Wow! (It happened once last year, too, didn't it?)
Good job!
Date: Mon Feb 28 11:37:40 2011
User: Songcutter
Message:I know a rock 'n roll piano player you can still lend to if you want. Not sure about the level of risk...
Date: Mon Feb 28 12:13:45 2011
User: Snowguy
Message:Does Kiva have any "negative-stars" risk ratings?
Date: Mon Feb 28 15:58:40 2011
User: hotnurse
Message:Just checked and had enough credit for another loan. Am curious about info for the R&R piano player. Will take the loan risk. May repay in services. ;)
Date: Tue Mar 1 01:23:31 2011
User: dede
Message:I don't think I could trust a rock 'n roll piano player unless...He has long hair and a beard and is is a maniac....that's the criteria....
Do you know anyone like that?????
Link: a maniac piano player
Date: Tue Mar 1 14:50:58 2011
User: Snowguy
Message:Awesome.
Date: Wed Mar 2 19:15:54 2011
User: CawthraGuy
Message:paid the rent running a boozecan once or twice! but leading college kids astray isn't quite the same thing!
soon as the repayments hit $25, I'll reinvest. Or sooner if my deadbeat clients come through!
Date: Sat Mar 19 09:46:27 2011
User: Snowguy
Message:Our little group has made 461 loans at a total value of $14,200. I think it's pretty safe to say we should hit $15,000 in the first half of this year!
I, personally, have had 2 or 3 (partial) loan defaults, but that's because I made a number of loans to people of great need, but whose local micro-finance agency was low rated. One agency in Africa has been discontinued from Kiva participation, and it appears all their loans will default.
But no worry. If you lend only through 3-star and above agencies, there should be no problem. And some agencies in Africa are strong and perform well in administering loans. (Kiva volunteers and staff are usually on-site with the various agencies.)
We could still use a few new members. It's pretty cool seeing the same $25 eventually help a number of small businesspersons, through re-lending of repaid loans. (In many ways, a loan is better than "charity" where the money, once spent, is gone. And, the money is available for you to withdraw at any time, after repayment and before you lend it again.)
Have a look, check us out, join the team, and maybe make a loan when you are comfortable. You can use PayPal, which keeps your credit or debit card invisible to the borrower agency, and which carries no fee. PayPal has waived fees for Kiva loans!
Link: Us
Date: Sat Mar 19 18:28:52 2011
User: dede
Message:Thanks for reminding again Joe Just made another 2......
Date: Sun Mar 20 17:01:51 2011
User: JustSue
Message:ditto! thanks for the reminder! I checked and I had enough to make another loan.
Date: Sun Mar 20 19:17:55 2011
User: bil
Message:likewise, good we have you keeping us on track,Snow
Date: Sat Apr 2 00:43:58 2011
User: sprucegoose
Message:Made two loans with funds from re-paid prior loans. That was easy.
Date: Sat Apr 2 01:15:51 2011
User: !_--FAST-ISHAM--_
Message:malr,its not just you,its me-and anyone else who hates drug dealers. Booze movers are simply legal drug dealers,and that stuff he deals is worse yet-its moonshine,dangerous,but acceptable(!) poor mans booze. tsk. tsk. tsk.
Date: Sat Apr 2 01:28:44 2011
User: !_--FAST-ISHAM--_
Message:Thanks,dede,for bringing us the REAL Songcutter. Sounds like hes doin alright in his beautiful Wisconsin hometown. Click below for the REAL Song.
Link: The Sweet Sound of Milwaukee
Date: Sat Apr 2 06:46:21 2011
User: dede
Message:Yes he is very clever isn't he...?
.e smiles at Terry
Date: Sat Apr 2 07:42:19 2011
User: !_--FAST-ISHAM--_
Message:Most certainly so,de. Im quite impressed with artists.
Date: Fri Apr 15 08:05:12 2011
User: Snowguy
Message:April repayments are starting to come in now.
Date: Sat May 7 07:58:31 2011
User: snowguy
Message:Our next loan will make it $15,000! Who will do the honors?
Date: Fri Jun 3 14:24:27 2011
User: bil
Message:don't know who pushed us over but we're now at 15,350
Date: Fri Jun 3 17:58:01 2011
User: PigbeastManwhore
Message:I love seeing pictures and names of all of the people from around the world who have lent money to the same people that I have. We're connected in so many ways...
Date: Fri Jun 3 19:13:14 2011
User: dede
Message:Thanks snow, good reminder ... and yes we are pig very connected its a nice feeling
Date: Fri Aug 26 18:49:10 2011
User: bil
Message:new paymments may be in
Date: Sun Aug 28 12:25:31 2011
User: malr
Message:You know what Kiva's really good for? You know those people that you *have* to get them a present, knowing that four months later they *have* to get you a present of equal or greater value, followed eight months later by :goto begin loop?
That.
They can end up with a really cool DVD that you'd never have bought for them, you can end up with a really cool t-shirt they'd never have bought for you - and in the meantime, that money is getting LAUNDERED! Gotta love the really clean money.
Give with insincerity. Give with ostentatious glee. Or gleeful ostentation, whatever.
It's all good, and getting better.
Plus - right now, where else can you go for good news about Norway?
Link: go team Norway!
Date: Sun Aug 28 14:25:00 2011
User: malr
Message:liking this one at the moment
Link: you go girl!
Date: Sun Aug 28 20:12:30 2011
User: snowguy
Message:Thanks for the update, bil. I managed to fund 4 new loans.
The $$$ just keep on revolving!
Date: Tue Aug 20 08:58:19 2013
User: Snowguy
Message:Just made some more loans, from money returned to me by borrowers!
TeamFreecell: 26 members have lent $26,925 in 935 loans
(Members, check your balances. I sat on my accumulation far too long!)
Also, if you want to "churn" your money faster, sort by Repayment Schedule. All the shortest term loans appear first.
Everybody else, check out that process. It's really fulfilling, lending money to tine entrepreneurs, who have been vetted locally, so they will become good and solid contributors to their local economies!
Join the Team and help us get to $30,000. (Probably more than $25,000 is returned money, always available for you to withdraw after it is returned to your account.)
Link: TeamFreecell
Date: Tue Aug 20 11:33:05 2013
User: Snowguy
Message:Over 900 local small business persons have benefited! (When one of us lends $25, for example, there may also be a couple dozen or more lenders on 4 or 5 continents, in perhaps 10-20 countries all contributing to that one loan.
Here, for example, is a small group of 5 businesspersons who have so far benefited (as of the instant I am typing this) by the assistance of nearly 50 lenders. (The list is shown.) By the time the 72%-funded loan has been completely established, there will likely be 65-70 lenders involved.
The main ,eber is using their share to buy more clothes and cooking supplies. The other 4 will be doing something similar for their businesses. IN Tanzania, the average annual income is $723.
It only takes $25, refundable after the loan has been repaid, to get involved! I use PayPal to keep things straight. Nobody but PayPal has any access to my personal or financial information. It's a portal through which I hand a loan to people on the other side. (Same when I buy things on-line, in many cases.)
Why not join us and help us get to 1000 loans and $30,000? It's only $25 at a time, even though one member likes to lend $50 whenever possible.
Link: Small group in Tanzania
Date: Tue Aug 20 11:37:21 2013
User: Snowguy
Message:Regarding "Mtumwa" (the key member) we Capitalist thinkers should really appreciate this info I pulled out:
"This will be her eighth loan request from Tujijenge Tanzania, which she will use to buy more clothes and food cooking items. With the previous loans, all of which she paid back successfully, she managed to increase all her business stock. The business profit was used to put light in her own room and covered home expenses. Mtumwa dreams that one day she will able to own a hotel."
Building local economies, one business at a time!
Date: Fri Sep 18 09:25:54 2015
User: watersmooth_silver
Message:Repayments are in! Just reinvested in a loan to cover the cost of installing and maintaining a UV water filtration system to provide clean drinking water for students at a school in Kampala, Uganda. So, what's Kiva? Follow the link below to TeamFreecell's page on Kiva!
Link: TeamFreecell
Date: Sat Sep 19 21:02:34 2015
User: Katya
Message:Also got a repayment, so just reinvested - in the Phillippines.
Date: Sun Sep 20 01:03:58 2015
User: Snowguy
Message:The Phils gets more of my moolah than any other locale. katya. (But I also invest in other countries/continents.)
see I hav soeme repayments too...
Date: Sun Sep 20 12:07:18 2015
User: Katya
Message:This is the first Phillippines loan for me. Previously Africa and South America.
Date: Sun Sep 20 17:56:26 2015
User: Snowguy
Message:50 of 82 KIva countries now invested.
Date: Mon Sep 18 11:36:02 2017
User: Snowguy
Message:Just found some repayments in my account, so I could re-lend, making two more loans. As fo now, Team Freecell:
Made 1392 individual loans, averaging 49.7 loans per member, most for $25, and a few for $50
We have 28 Members, of whom two are Captains (One has passed away, but she continues in membership--Sillama
We have lent $39,425, which I suspect is about 5/6 repaid money
We have provided loans in 78 countries, of which the total of countries using Kiva currently is 85. (But a few countries are shown as "Inactive" but counted in total countries
Philippines, Vietnam, Cambodia and Lebanon have received more loans than other countries, including the USA
Lets' get the average up to 50 loans per member, and the total to $40,000! (Repaid loans must have more than that amount just "lying around.")
(We are always recruiting new members, but not always diligently) Why not join us? Lending is, in so many ways, more satisfying than charitable gifts, because it is a means of "helping fishermen to fish rather than feeding them fish."
Link: Team Freecell
Date: Tue Jul 23 09:16:56 2019
User: Snowguy
Message:Not paying much attention lately, I found out that Team Freecell has passed a couple mile stones.
50+ loans per member, on average.
1500+ loans, total
Just short of $45,000, total. (Most likely, 80%+ is money that has been re-lent repeatedly.)
80 Countries, including the USA!
Link: Team Freecell Impact data
Date: Tue Jul 23 09:22:38 2019
User: Snowguy
Message:Apparently, we are not just ignoring Kiva! Look at our loans by year:
2017: $2200
2018: $2450
2019: $1600 (Would translate to, perhaps, $3000 for this year)
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