Teina Teuila
Monday, October 01, 2007
Monday, September 24, 2007
I've made another loan via Kiva. I like this idea because it gives people with a bit of get up and go a chance to make their lives better. This is the 5th loan I've made. A small amount of the money has been repaid.
So, because this is a commercial loan, I've developed a few rules for my lending:
. the lender is allowed to take some interest as long as they are substantially below the local lenders. The local lenders are often little better than loan sharks.
. the loan has to be for sustainable practices. For example: I avoided a loan for agricultural chemicals as I believe that farmers should keep more traditional agricultural practices and permaculture principles. Introducing chemical fertilisers and pesticides will cause dependency. I want to fund independence.
. the lender has to have a nil delinquency rate. This indicates that they select borrowers carefully. I want to encourage fiscally astute people, not give a gift.
I prefer to lend to women with children because:
. if a woman with children borrows money to grow their business they will use all of that money for that purpose.
. if, on the other hand, you lend to a single man he will celebrate first and use the remainder for the business.
. women are often discriminated against fiscally. I want to level the playing field a little. I can only save my little bit of the world.
. in countries where women do not enjoy equallity, children suffer greatly if the father is gone and the mother is unable to earn a good living.
Wednesday, May 09, 2007
Monday, May 07, 2007
Thursday, December 07, 2006
From a speech said to have been given by Bill Gates at a High School about 11 things they did not and will not learn in school. He talks about how feel-good, politically correct teachings created a generation of kids with no concept of reality and how this concept set them up for failure in the real world.
Rule 1: Life is not fair - get used to it!
Rule 2: The world won't care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.
Rule 3: You will NOT make $60,000 a year right out of high school. You won't be a vice-president with a car phone until you earn both.
Rule 4: If you think your teacher is tough, wait till you get a boss.
Rule 5: Flipping burgers is not beneath your dignity. Your Grandparents had a different word for burger flipping: they called it opportunity.
Rule 6: If you mess up, it's not your parents' fault, so don't whine about your mistakes, learn from them.
Rule 7: Before you were born, your parents weren't as boring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you thought you were. So before you save the rain forest from the parasites of your parent's generation, try delousing the closet in your own room.
Rule 8: Your school may have done away with winners and losers, but life HAS NOT. In some schools, they have abolished failing grades and they'll give you as MANY TIMES as you want to get the right answer. This doesn't bear the slightest resemblance to ANYTHING in real life.
Rule 9: Life is not divided into semesters. You don't get summers off and very few employers are interested in helping you FIND YOURSELF. Do that on your own time.
Rule 10: Television is NOT real life. In real life people actually have to leave the coffee shop and go to jobs.
Rule 11: Be nice to nerds. Chances are you'll end up working for one.
If you can read this - Thank a teacher!
Tuesday, September 26, 2006
Wednesday, September 13, 2006
Friday, September 08, 2006
Tuesday, May 30, 2006
Wednesday, October 19, 2005
Sunday, May 08, 2005
Friday, December 17, 2004
Don't forget to chip in a few bucks for bandwidth.
Thursday, December 16, 2004
Friday, December 10, 2004
"To coldly place the pursuit of profit above all other considerations is to be indifferent to all notions of humanity."
My mother wrote this on a piece of paper and stuck it to the wall near the kitchen 20 years ago and I still remember it. Was it a quote or did she come up with it? :)
Thursday, December 09, 2004
What I really like about this game is that it has really upset plenty of Americans. With many of the top 50 scores being from Americans the public obviously is not nearly as offended as their representatives.


