Saturday, April 18, 2015

Springtime and KIVA

It's that time of the month again, when you get that e-mail telling you how much you have accumulated in repayments on your KIVA loans. The figure varies from month to month, some months it may only be $10.00 or $12.00. This month it was $73.00 USD! So I went on a spree and made three new loans, which meant I loaned out $75.00 USD plus the $3.25 per loan donation to cover KIVA's office costs.

But I keep thinking what a world of good $25.00 can do. Here it buys a burger combo for each of us which we most certainly do not need. In Central or South America, Africa or Palestine, India or Indonesia it can mean the difference between a year of hunger or full tummies, blindness or sight, education for your children, a roof over your head or sleeping rough.

It's so very hard to choose. I wish I had a thousand dollars to loan. Right now there's a woman and a man who both need eye surgery to save the sight in their one remaining eye. There are families who need loans which they will use to provide clean water for their families, women trying to build simple homes to shelter their children, or who need to repair their tricycle delivery bikes. All we can do is help one or two a month, but for those we can help, our $25.00 is one cord in the lifeline they need. Now, let me introduce you to those we made loans to this month.

Our first loan goes to this Mexican lady. For obvious reasons her name and identity are not revealed but we'll call her Lupita. Lupita wears dentures, and recently they broke, leaving her without the ability to properly chew her food, affecting her speech and her appearance. Lupita is currently working, but she is the sole support for her household and money is very tight. It is impossible for her to get new dentures because she does not have the money to pay for them, which led her to the KIVA field partner Alvio to apply for a medical loan.

These loans allow KIVA borrowers to pay for medical treatment. Low-income families are often forced to sell family assets or resort to borrowing from loan sharks in order to pay for unexpected medical bills. By providing these families with accessible financing, Alivio enables patients to, over time, pay their hospital bills and doctor’s fees, as well as to buy any medical equipment needed for their recovery.


Our second loan goes to Marita, a married Bolivian woman with two daughters who are still living at home. She makes a living selling groceries and takes advantage of the fact that her husband is a chauffeur. When he travels she takes merchandise to trade with other businesses. Her husband does not earn a lot of money because he is only paid for each completed drive and sometimes he only gets two or three requests a month.

So she decided to help with the household costs by selling groceries and eventually added clothing to her inventory. But her business is not very big because she doesn't have much capital to buy stock to sell.

Recently, she was diagnosed with uterine tumors and she needs surgery. This is why she is asking for a loan-so she can cover her surgery costs and purchase the medicine she needs after the operation. One of her daughters is ill with asthma, a condition she has suffered with since she was a small child. The family's current monthly income cannot cover both medical expenses of mother and daughter.

Marita applied for a loan through KIVA's field partner in Bolivia CIDRE. CIDRE is a Bolivian microfinance institution with a strong social commitment to the community. It works to provide quality financial services to rural and suburban borrowers, focusing primarily on agricultural loans for dairy farmers and micro-enterprises.

CIDRE targets segments of the population that have not traditionally had access to credit, and invests in much-needed community development projects. CIDRE medical loans enables Kiva borrowers to pay for medical treatment. These borrowers face higher barriers to obtain loans due to their health conditions. To protect their privacy, the faces of borrowers from CIDRE may be obscured in photos. By funding CIDRE medical loans, you are helping provide critical medical needs.

And our third and final loan goes to Jose, a 35-year-old man who lives in Sacaba, Bolivia. He and his partner have a son of eight years and a daughter who is 10. Jose works at a salaried job in a ceramics factory, in the quality control department, work that he does on a consistent schedule from Monday to Friday. 

He is a good father, understanding, with a good attitude. He is patient, responsible and hard-working. His work is located in the rural village of Sacaba, known for its cuisine based in guinea pigs and famous for its many factories that make corn chicha (which is a product of fermented corn). The village is known jokingly as "Sacaba - where the chicha never runs out". It has a temperate climate with a temperature that varies during the day between 19-25 degrees centigrade. 

Jose has dark skin, dark eyes, wears glasses, has short, straight, black hair, is short, has a medium physique. His native language is Quechua which he speaks at home though he speaks Spanish at work. His partner works selling vegetables and his children are students. They live in their own house made of brick and cement with a roof of metal sheeting. The house has electricity, but to get water, they have to walk about 10 minutes to the river to collect water in buckets and put it in barrels for different uses. 

"In the three years since I built my house, we have not had clean water because the town's water service is new in the zone..." he says. The advantage of his work is that it leaves the weekends free to be with his family and the disadvantage is that the days are long. His dream is to have potable water in his house. He wants to install potable water in his kitchen, bathroom, and laundry area so that his family doesn't use the dirty water from the river. 

KIVA's field partner Emprender has been working in Bolivia since 1999. It is dedicated to becoming a key tool in the development of its clients and the improvement of their quality of life. Operating in three of Bolivia’s major cities – La Paz, Cochabamba, and Santa Cruz – Emprender offers both urban and rural clients the opportunity to obtain financial products tailored to fit their needs and businesses. These products include housing loans, salary loans, “opportunity” (short-term) loans, and higher education loans. To better the quality of life for its clients and non-clients through non-financial services, Emprender offers free medical consultations and health classes given by trained doctors.

This loan will help fund a new product Emprender has launched to provide clean drinking water and sanitary facilities to Bolivian families. Emprender is partnering with Fundación SODIS, an NGO specializing in water and sanitation access, to make this possible. SODIS identifies households that need water tanks, running water toilets, ecological toilets, water filters and water connections in underserved areas, and supervises their installation. Emprender works with SODIS to help finance these the infrastructure improvements.
 
This is the first loan cycle with Emprender in the three years since Jose has started on the construction of his house. With this opportunity, Jose has asked for a loan to connect to the town's water system and install pipes to provide clean water in his kitchen, bathroom, and laundry area so that his family can stop using the dirty water from the river. 

Thank goodness we can share, for so many years we were unable to, as we didn't have the financial means to do so, and there was no Internet, and no KIVA to make it possible to share like this on a direct scale. 


Sunday, April 05, 2015

Ready, set, sew!


Or, think about sewing anyway. I did get to the store to buy the necessaries so I can begin. I needed a package of needles, some sharp scissors, a small ironing board I can just pop on the table to press seams, that sort of stuff. 


I dug around in the closet before I went shopping because I knew I had a box of fabric left from the days when I wielded a needle. And I found a partially-finished quilt top, just wall hanging size, but a project I'd dearly love to finish. 

There's a story behind it that's put me off finishing it for 22 years. Being a gardener I designed a wall hanging sized quilt I called "White garden by Moonlight". All the materials for the background squares are dark florals or leaves, and onto them I bonded flowers cut from silk, which I drew out on silk of white and various pastel colours which could be built up to create shading and layers of colour. I planned to embroider details on and over these flowers once the top was finished, adding stamens, and in some cases stems and leaves. One square holds the moon and a cloud, another a spider's web in silver thread touched by a fairy, whose wings will be added by embroidery.  I think the web needs repairing, don't you? 

The corner squares, yet to be added, are navy blue filled with tiny stars. And the borders between are a dark floral. I'll quilt the top, batting and backing together by hand, using an 10" embroidery hoop which I hold in my lap. Tonight I tossed the top over the back of Tony's recliner to take a picture, so it's rather lumpy and floppy, but you get the gist. The squares may not look square, but they are.   

I took the top with me when I flew to visit my family in 1993. I also stayed with a quilting friend  pen pal for a couple of days. We'd never actually met, but over the previous five years we'd exchanged hundreds of letters and spent hours on the phone (this was before the net). She was picking me up from the airport. I was staying two days with her, then my sister's family was driving the 200 miles to pick me up and take me the rest of the way to their home. 

The visit started wonderfully. We talked a mile a minute. I couldn't believe this woman had a 12 x 14 foot room with floor to ceiling shelves filled with quilting fabric, an eight foot long cutting table, two sewing machines and a quilting machine, and boxes of fabric under the table. She was quilt obsessed and turned out two or three quilts a week. She showed me the dazzling array of colours and patterns of the quilts she'd made in the past few months, and I felt quite bowled over. I couldn't make one of those in a year, let alone three in a week!

Soon she demanded to  see what I was working on. I was reluctant to show her, and had just started to explain what my idea was when she began to laugh. "This is all wrong," she laughed, and she pulled it out of my hands. "This is not a proper quilt! And it's not even square!" 

She zipped her roller cutter across and removed the bottom inch and a half  from the quilt, cutting right through the stems and leaves of the bottom rows of irises. 

"There!" She said, wadding the quilt top up and tossing it at me, "at least it's square now …" I was stunned. I'd spent weeks on that quilt, and she'd just ruined it in a five second zip of her cutter.  She said nothing but she must have seen the look on my face. She wheeled around and left the room, leaving me standing there on the verge of tears. 

The rest of our visit was strained and uncomfortable. We continued to keep in touch afterwards, but the friendship was never quite the same.  She's been gone for 10 years now. Sad really. I learned over the 15 years that I knew her that she was a bully with everyone, which eventually soured many of her friendships, her marriage and her relationship with her children as well. 

But I looked at that quilt top yesterday and thought, "I'm going to finish this. I'll find a way to compensate for the hacked off bottom. Why should I let a bad experience over 20 years in the past ruin the pleasure of finishing and enjoying that little quilt? It's time to set that memory free." 

So anyway, while I was needle shopping, because I really needed a new pair of pants that fit I also took a quick run through the pants dept, and found a rack of petite slacks in a nice soft fabric that doesn't look like it will be a cat hair magnet. Since I've lost weight I thought I'd try the 12 and I could turn around in them, so went and got a 10! Even they are a bit loose, but they didn't have an 8, so I'm happy to buy the 10. Ladies, that is down from a 14 to a 10! Happy dance anyone????    

Now I'm set to start sewing. Have to decide what to make first. 


Friday, April 03, 2015

Today I feel … rather well….


Gravity? No inconvenience at all!
Having just heard John Lithgow read the poem below to Bill Moyers I would love to link to the video but alas am prevented by Blogger's (aka Google) policy of not allowing you to embed any videos other than those on YouTube (also owned by Google). Profit is king apparently. I am deeply shocked, as I know you are. 

However I can share the poem itself which you must read aloud to yourself, and if your funny bone is not immediately thoroughly tickled dear reader then said funny bone is moribund  and needs to be taken to the doctor immediately for a medical tickling. How this tickle is achieved (whether by pharmacologic, surgical, or psychiatric means) I am not clear, but yours needs help. Obviously the accompanying picture has nothing at all to do with the post, but is of Hobbes and his Mama, clearly in a sort of euphoric cuddle.  He is a gravity-defying sort of cat. 

No Doctors Today, Thank You
~Ogden Nash
They tell me that euphoria is the feeling of feeling wonderful, well, today 
I feel euphorian,
Today I have the agility of a Greek god and the appetite of a Victorian.
Yes, today I may even go forth without my galoshes,
Today I am a swashbuckler, would anybody like me to buckle any swashes?
This is my euphorian day,
I will ring welkins* and before anybody answers 
I will run away.
I will tame me a caribou
And bedeck it with marabou.
I will pen me my memoirs.
Ah youth, youth! What euphorian days them was!
I wasn't much of a hand for the boudoirs,
I was generally to be found where the food was.
Does anybody want any flotsam?
I've gotsam.
Does anybody want any jetsam?
I can getsam.
I can play chopsticks on the Wurlitzer,
I can speak Portuguese like a Berlitzer.
I can don or doff my shoes without tying or untying the laces because 
I am wearing moccasins,
And I practically know the difference between serums and antitoccasins.
Kind people, don't think me purse-proud, don't set me down as vainglorious,
I'm just a little euphorious. 

*the heavens 

Wednesday, April 01, 2015

Forget the present


We had another sunny, beautiful day, but the wind was so strong the weather-man on our local TV news was advising that people stay indoors because of the risk of being hit by flying debris. There were pictures of 18-wheelers blown off the highway just north of town. 

And as typical when we have a strong Chinook I hardly left my chair all day. It was hard to move and my joints were unstable. Who would think that an ion so small that you can't even see it can inflict so much aggravation? The phone rang about 3:30. It took me so long to stand up and walk the 15 feet to it that whoever it was had hung up by the time I got there. 

I'm a bit cognitively zonked on days like this as well, but apparently not as badly as the weatherman who does the report on my Mac's dashboard weather app. It's now 2:00 am Wednesday, and the weather app is reporting that it's Tuesday, 19 degrees C (66.2 F) and snowing. Okay, maybe that's an April Fool's joke. 

On quite another subject, I've been trying, without success, to buy new clothes for months. I've lost 20 pounds and I look like I'm wearing my big sister's hand-me-downs and everything I own is worn out. I hate shopping for new clothes. I can never find anything that fits and the styles that are popular now do not suit women of a certain age (i.e. mine).  Skinny "boyfriend" jeans are not comfortable. I bought a pair, out of desperation. They fit in the store. I washed them, they didn't fit. I lost 10 more pounds and now they are too big. I only bought them because they were the only pants in the store that weren't low-riders. The T-shirt necklines are all half-way to my belly-button.  

I like soft clothes, no binding and no scratchy stuff. I want comfort, and a little class. And I hate going somewhere and seeing the exact same top I'm wearing on seven other women. So I've decided I'm going to make some clothes. I used to make most of my own clothes. I don't have a sewing machine any more, which is fine, because I prefer to sew by hand. I have to buy two things first, a new pair of scissors, and an ironing board. Maybe some tailors chalk and pins. And fabric. Won't get far without fabric. 

Things you make yourself last longer - I'm still wearing a Japanese hippari jacket I made in 1979, and a wrap I made in 1984. I never wear the wrap without getting a complement on it. I have a wardrobe in mind. I need to make up a few drawings and an acceptable colour/patterns range. That will depend somewhat on what's in the store when I get there. 

Sewing might be a challenge with the red devil cat around. I'll have to lock him up when I'm cutting a garment out. The rustle of a pattern would be too much temptation for him to resist.  But I'm getting a bit excited about it. I've never been a great seamstress, I am a better quilter than dressmaker, but I think I'll enjoy this. 


The wind has dropped, the pain meds have hit. I think I can slide into bed and have a snooze now.  

Monday, March 30, 2015

At last, Spring is stirring


The weather has been beautiful the last few days. We went out together yesterday and had an ice cream. It was wonderful to go out without the need to put my head down and "get through" a task before it got through me. :) 

A full month earlier than last year!
This morning I looked out the bedroom window and saw, shining in the sun, a clump of purple crocus blooms! I grabbed my camera and ran down to take a picture before the sun disappeared from that inside corner. Then I came in and had my coffee. 

Ian came over last Wednesday and we took the cats to the vet for their annual vaccinations and check-ups. The young cat, which we shall refer to as the Red Screamer, sang an improvised opera all the way there and back. His performance was so impressive that every technician at the vet's office had to come from the back to see what kind of cat was capable of such volume, such intensity and range, such depth of emotion and pathos! When they expressed sympathy that he was confined to a heartless crate (which he sleeps in at home of his own choice) he really laid on the histrionics.  He missed his calling when he didn't go on the stage. He was checked over and pronounced in robust, if noisy, health. 

Mr. Grey Fluff is too much of a good thing. His front legs are bowing because his chest is so broad! He's shaped like a barrel chested man who has to wear suspenders to hold up his pants. His belly is tight and firm, but what a big chest he has! 

I needed advice on how to slim him down safely. You have to "diet" overweight cats very carefully because they are prone to a fatal liver disease called hepatic lipidosis  if they are fed too few calories. Weight loss must be slow and measured. 

These days, rather than telling you Mr. Cat looks like he should weigh X number of kilos/pounds they get out the tape measure and measure all the bits, circumference of head in front of the ears, length of the front legs, the last section of the back legs, from nose tip to the base of the tail, and around the chest just behind the front legs. Then they add the weight.  

These measurements are entered into a computer program, which apparently looked at Smokey's measurements and weight, had a hearty laugh and said, "Cats aren't shaped like that! Try again." The technician said basically we have a square cat, and we'd just go with the closest match on the chart, which said 50% BMI. Holy Cat Batman! 21+ pounds (9.52 kg) and the chart says he ought to weigh 13.2 pounds (6 kg). That's the same weight as the Red Screamer. It'll never happen. I'd be happy if we can get him to 15 pounds (6.8 kg). He'd be great at 15. 

We came away with a case of canned diet cat food, and a bag of crunchy diet cat food, lots of booga booga talk about it being designed to suppress genes that increase appetite and firing up the metabolism, and instructions on how much to feed him (not much) and I'm thinking, 'Yeah, that's gonna happen. This appetite on wheels is going to be scratching on the fridge door like he's trying to dig his way out of Alcatraz.' One good thing, if he doesn't eat any more of it than prescribed it will be cheaper than the very expensive food we've been feeding him. 

But he's a fussy eater. He will eat fish. Specifically tuna. That is it. I worry about that. Too much mercury in tuna, but I can't get him to eat anything else. So, we try it, and he loves it. And believe it or not he's perfectly satisfied with the portions. He eats the food and licks the bowl, and walks away happy. I leave the kibble in the bowl and he eats it off and on, and he's not starved the way I feared he might be. And he's obviously feeling well, because he dug a toy from under the washing machine this morning and went chasing after it, which is something he hasn't done in a while. 

This afternoon I went down and picked up the flotsam and jetsam that the constant wind has blown into the entryway, plus the cigarette butts, and various wrappers and receipts and paper bits dropped by residents. And as I did so I took note of all the green bits poking up through the mulch in the flowerbeds; poppies, geraniums, tulips, daffodils, hostas, mint, English thyme, and others whose names I have forgotten but will recognize as soon as I can see more than a green button peeking through the mulch. I need to get down and start trimming back the shrubs this next week if I can, before they wake up. 

We made it through winter. It may snow, and we still have some cold days ahead, but Spring is stirring. At last, Spring is stirring. 



Wednesday, March 18, 2015

KIVA Loan for March

Gladys, business woman and mother of two, Fort Portal Uganda
This month's KIVA loan goes to Gladys, a very hard working lady living in Fort Portal, Uganda.  Gladys has a produce store selling beans, ground nuts and maize flour where she works seven days a week, five hours per day. In addition she has a small farm where she grows produce to sell at her store. 

Like many people with a small business she is faced with the hardship of limited capital which hinders the growth of her business. She supplies produce to schools on credit and faces hardships due to their delayed payments. Her goal is to own a food store that can sustainably supply retail customers year-round. 

A previous KIVA loan helped her by providing capital which she used to improve the wholesale buying power of her business, thus improving her profits. 

She wishes to construct a permanent house, which she has already started building, and like mothers everywhere, she dreams of providing a college education for her two children. Bit by bit she has laid the foundation for the house and construction has begun. 

With the increase in profits from her business the last KIVA loan afforded she bought iron sheets to roof her house. With this new loan she plans to buy the timber to frame the walls and roof.  

Many poor families in Uganda cannot afford housing that meets their needs. By making a housing loan on KIVA, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on KIVA share a common purpose: they alleviate poverty and enable families to enjoy more stable lives. 

You can help lift a hard-working family out of poverty for as little as $25.00 - share your wealth today through a KIVA loan. 


Follow Your Bliss Over the Cliff



I just watched the first half hour or so of a well-known motivational speaker's program on PBS in which he placed great emphasis on following your bliss and going after your dream, which makes me think about my own little dusty dream, and how it's even more important to me now than it was when I was ten years old, when it was more about having a pony and living in one house forever and never having to change schools four times in one year again than anything else.  

Cob Cottage
The way the world is moving, toward a more conservative, hateful, ever widening gap between rich and poor I want what I wanted when I was ten even more, a small piece of land, a half-acre to an acre in size, where we can build a small - very small - house. Granted the dream house is different now than it was 59 years ago, but times have changed since then. I'd say 500-600 sq feet would be plenty if it's designed properly. I'd install solar panels and a small wind turbine for power. A stream or a drilled well, the use of composting toilets, and recycling of our grey water through a living marsh would insure we could live off the grid.  

The house would have to be wheelchair accessible so Tony can get through the doors and in and out of the bathroom and into the shower and out again safely. I want a room with windows facing south we can use as sunroom/greenhouse so I can grow greens year-round, and where Tony can work on his models, I can paint, sew and do yoga, and we can  sit in the sun in the winter. This apt faces north and we never see the sun at all. Our balcony doesn't even get sun. 

We'll need thick, heavily insulated walls and ceiling, so we can heat with a rocket stove and a back-up propane stove. A wide overhang and a porch for spring, summer and fall evenings. A raised bed garden, so  I can grow all the fresh vegetables we love to eat. Fruit trees, a hive of bees,  a half dozen chickens for eggs. A run for the cats, and a tree for them to climb.  

Our problem (aside from the lack of money) is that, because of health issues, we have to be within a short distance from a town with a hospital. In Canada that limits our choices. We also want to be somewhere where the winter is not quite so brutal as it is in Calgary, so we're looking at going back to BC. 

As I sit here the neighbour down the hall has fired up his nightly bonfire of marijuana again. I swear it's GMO and crossed with skunk musk, and it makes me so sick I could just cry. We put a big towel and a rug under the door, but we can't keep his smoke from invading our place. 

So I dream. If you have an envelope lying around which contains oh, say $100,000 in it, we could probably come up with some of the money by selling this place when the mortgage comes up for renewal, but it won't be nearly enough. And my bliss is losing heart. What's his face on the TV said just do it, but if I start digging holes and pouring a foundation on someone else's land I'm either gonna end up in jail or the loony bin, and since they closed the loony bin  to save money I'd end up in jail. And that isn't a part of my bliss at all. So I'll just keep dreaming and you think about that envelope.    



Thursday, February 26, 2015

Buddha and the "Selfie"

Ah, the reviled "Selfie".  Some psychologists say the growing trend of taking smartphone selfies is linked to mental health conditions that focus on a person's obsession with looks. Researchers at Western Illinois University studied the Facebook habits of 294 students, aged between 18 and 65, and measured two "socially disruptive" elements of narcissism – grandiose exhibitionism (GE) and entitlement/ exploitiveness (EE). GE includes ''self-absorption, vanity, superiority, and exhibitionistic tendencies". People who score high on this aspect of narcissism need to be constantly at the centre of attention. Hence the constant selfies.  

In common parlance this is referred to as "orbiting one's own navel" and the intent is to pull others into the whirlpool. As much as you might love the person who posts the thrice daily selfie, or constantly revolves profile pictures from 20, 30, 40 years ago,  you can't force yourself to "like" them, or to join the chorus of "Wow", "Beautiful", "Stunning" and "Dream Girl!" especially when the selfies capture staged sullen, morose, depressing, 'I'm-thinking-throwing-myself-under-a-bus' expressions.  

There are days when a selfie of "Inner Me" would fry the pixels on your tablet, Poppet. But I am not sharing. Those are my moments and I am not inflicting them on you. In fact I am doing exactly the opposite. Sharon Salzberg explained it well. 
“We look at the Buddha to see ourselves. And we look at ourselves, not to see ourselves as separate and more wonderful than anybody else, [laughs] but we look at ourselves and basically see everybody.” 

Buddha wasn't a god. He wasn't fathered by any divine spirit. He was a man whose heart was broken when he realized that all of us, you, me, him, his wife and his newborn son would all suffer sickness, pain, sorrow, loss and ultimately death. 

He spent years seeking a cure for being human, only to learn there is none. We look at him, knowing that we too may seek miracles and wonders and cures for our humanity, but even though he reached enlightenment he died, as we will. His last words to his disciples were something like,  "Everything is subject to decay, continue to work with diligence." Even if we follow his teachings we have no illusions. None of us escape this world alive, but we can learn to cope.  That was his message. 

So having the faith we can do that we look at ourselves, not circling our own navels, like water around a drain, but in love. The first person we must learn to love, really love, and really accept, is ourselves. Not just at the way we look but at the broken heart inside, whatever it is and however it was caused. Not enough love, the pain of abuse or neglect, our prejudices, our tempers, our fears, our greed and selfishness, our never-good-enough-ness. (is that a word?)  

And when we really see and admit what lives within us, we see our anger is the same anger as that of the man who gives us the finger and cuts us off in traffic, our fear when the police car turns on his lights behind us a tiny taste of the fear the refugee feels, the need for a hour's forgetting that alcohol or drugs give the addict who grew up in an abusive home is one we all understand, even if it's just a ratty day at the office we're trying to escape when we grab a beer and the remote. You hear in others' prejudice not just hate - but fear. 

And in seeing recognizing and forgiving these in yourself compassion begins, for yourself and others. You learn to live without the need for so much affirmation from others. You aren't so needy. However we will not urge our views on others, for not all are willing to examine themselves and few have time or interest in looking into the Buddha-mirror. 

Not all are grateful for a map to an inner road, to a path untrod. Much easier to go post a selfie.  (If you know me in person you know how extremely difficult this is. I don't think there's another photo of me on here in my nine years of blogging.)



   

Sunday, February 15, 2015

What Not to Wear After 50

Alright Darlings, I'm doing something I hardly ever do, and that's reposting someone else's post, but only because it's brilliant and funny (which I'd love to be but aren't). If you don't believe I'm capable of such chicanery you're dead wrong. I can prove it by pointing to the original article here written by Michelle Combs who blogs at Rubber Shoes in Hell .

Honestly, I've been thinking about how to solve my wardrobe problem by buying a bale of burlap bags, and a spool of yellow polypropylene rope to use as belts but burlap is itchy as hell and that rope is made of oil which makes my eco-consciousness twitch like an eel on a harpoon, so I'm still dithering. I saw a 
dove-grey cashmere cardigan I liked at the upscale mall we visited on my birthday. It cost more than my entire wardrobe budget for the year. No doubt I'd look stunning in it but eyes would still pop at the Sobeys when I walked in wearing it, naked from the hipbones down because I didn't have enough $ left over to buy a three-pack of bloomers at the WalMart. Decisions decisions. 

Here's Michelle's advice for women over 50.

Google “what not to wear after age 50″ and you will have your pick of thousands of articles telling you what looks terrible on your old ass body. I want to point out to the writer who wrote the ‘No-No’ article, you need to remember you are writing for over 50 women, not preschoolers. I don’t think I’ve said “No-No” since my youngest was a toddler. We could spend hours studying the clothes we shouldn’t wear and the slang we shouldn’t use and the makeup techniques we need to retire.

Here’s me, weighing in on this topic.

You are over 50 for f%&k’s sake. Wear whatever you want. If you’ve made it to 50 and still need to consult articles on how to dress appropriately then you are so missing out on one of the best things about being over 50. One of the best things about getting older is realizing that we don’t have to spend our energy worrying what other people think and we get to be comfortable in our own skin with our own freak flags.

Still, there are a few things that women over 50 really shouldn’t wear:

The weight of the world. When you wear the weight of the world on your shoulders, you age. If you like the feel of the world’s weight and don’t want to give it up, then try scaling back a bit. Perhaps just wear the weight of a few of the smaller continents. For instance, I am only wearing the weight of Australia and a made up country called “Michelloponia”. I think it they have a slimming effect.

Shame and regret. So few people can carry this look off. Most of us just end up looking haunted or like we were forced to eat liver and onions. Shame and regret are especially hard to wear after fifty. Wearing shame and regret past fifty is one of those things that make your eyes all red and runny looking. The downward spiral just snowballs from there. Once the eyes get old lady looking, then you have to re-evaluate the wisdom of black eye liner. I say give up wearing shame and regret and fuck giving up on black eye liner.

Rose colored glasses. Oh, sweetheart, you know who you are. Those glasses do nothing for you. Not only do they make you look like you’ve been smoking weed for days, they also keep you from examining life and your surroundings realistically. Yes, reality sucks, but by the time we hit fifty, we need to suck it up, take those glasses off and dick punch reality into submission. Or just get some really big dark sunglasses instead. They cover all manner of sins.

Stiff upper lip. There is a time and a place for the stiff upper lip, but damn, it can’t be worn all the time. Too much stiff upper lip causes those funky vertical

lines between your upper lip and your nose holes. We don’t always have to be stoic. I’m not suggesting that you wear your heart on your sleeve, but that is a much softer look than wearing a stiff upper lip.

Too many hats. Personally, I can’t pull off wearing one hat much less many hats. I don’t have a hat head. My hair poofs out and my ears look like car doors when I wear a hat. Wearing too many hats just exacerbates these issues. When you wear too many hats, it’s easy to forget which hat you’re wearing. For instance, are you wearing the ‘no nonsense corporate’ hat when you meant to wear your ‘quirky and kicked back’ hat? We’re not getting any younger, you know. Sooner or later you’re going to accidentally wear your court jester hat to the gynecologist and then where will you be? I’ll tell you where you’ll be. You’ll be in an undignified position and wearing a stupid hat is where you’ll be. [Note:] I disagree. I know many older women who look smashing in a hat, not that I'm one of them, but then I look foolish in ruffles and flowery things, so you have to leave room for individual style. 

Resting bitch face. Hahahaha. Just kidding. Wear that one all you want.Although, it wouldn’t hurt if every once in a while, you had a welcoming and kind look on your face. At least that’s what I hear from other people. There isn’t anything wrong with getting advice about updating your look or what to wear, but we are just inundated with that shit, aren’t we? Who says what is appropriate? 

From where I sit, it seems ‘appropriate’ changes based on geography, social status, income and size. After a while, the advice becomes a confusing blur. I think I’ll just keep wearing my Keds and jeans and black tee shirts.

Oh, I do have one real tip. Stop wearing theme clothes. Seriously.
Michelle Combs


Wednesday, January 28, 2015

January KIVA Loan - Saving Lives and the Environment

Sampson & a chlorine dispenser
Samson lives in a home within Kawigawiga village in Ndhiwa sub County, Kenya with his family which includes 4 children. The community of Kawigawiga village collects their drinking water from Aora Odundu because there is no piped water supply in this part of rural Kenya. This water is easily contaminated with bacteria that can cause diarrhea and other water-borne diseases, often making Kawigawiga’s inhabitants sick and unable to work or attend school.

A new chlorine dispenser offers a solution to the burden of sickness caused by unsafe drinking water. The dispenser is installed at the local water source, where users turn a valve to add chlorine to their jerricans and then collect water as usual. The chlorine disinfects the water and provides residual protection from re-contamination. In Kawigawiga, 25 households will benefit from having access to the dispenser. Samson has volunteered to be the dispenser promoter, who is responsible for refilling the chlorine and encouraging the rest of the community to treat their water and keep themselves and their families healthy. There are 4 other volunteer promoters from the surrounding community who are part of this group loan: namely Siprose, Grace, Susan, and Maurice.

Kawigawiga village needs a loan to cover the costs of installing and maintaining the dispenser. Samson believes that the dispenser will help to alleviate water-borne diseases in his community.

The Kiva loan will be repaid by Evidence Action  on behalf of the community through the sale of carbon credits. Using the chlorine dispenser generates carbon credits by avoiding the need to boil water to make it safe to drink. Revenues from the sale of carbon credits to organizations and individuals wanting to reduce world carbon footprints will be used to repay Kiva lenders and also to make sure that Samson’s community can have access to safe water now and in the future.

About Evidence Action

This loan is part of Evidence Action’s Dispensers for Safe Water program, providing rural communities with access to safe drinking water by installing chlorine dispensers where people collect water. The dispensers enable community members to treat their water with chlorine to make it safe to drink.

Kiva loans are used to finance the installation, maintenance and refilling of chlorine dispensers. Evidence Action provides dispensers as in-kind loans to communities, represented on Kiva by dispenser “promoters,” who will help educate their neighbors about the equipment’s use and benefits, and refill the dispenser with chlorine.

Instead of these loans being repaid by community members, Kiva lenders are reimbursed by the sale of carbon credits. These carbon credits are generated when households use chlorine dispensers to treat their water, because they no longer have to boil it over wood-burning fires that release harmful greenhouse gases. This change in behaviour is monetized through the sale of carbon credits on the voluntary carbon market.

Here’s how it works:

1) Kiva borrowers grant the rights to carbon credits they generate to Evidence Action.
2) Evidence Action works with an organization called Impact Carbon to monitor, quantify and verify carbon credits, which can then be sold to individuals and organizations looking to reduce their carbon footprint.
3) Revenue earned from this sale is used to maintain dispensers and repay Kiva lenders.

A new way of thinking: Carbon as currency?

This post was authored by Michelle Kreger, Kiva's Senior Director of Strategic Initiatives.

During a recent trip to Kenya, my colleague and I had the chance to connect with the director of Dispensers for Safe Water at Evidence Action,  a deeply data-driven project looking at water purification adoption behaviours in rural Kenya. What started as a group of researchers seeking to understand the best way to encourage people to drink safe water, has now developed into an impressive non-profit scaling a proven solution to the problem of waterborne diseases.

Contaminated water causes illnesses like diarrhea and cholera that are a leading cause of death among children under five in Kenya. Researchers wanted to figure out how to lessen the burden of these waterborne diseases, but they also knew that they would face challenges with adoption: the mere availability of chlorine, filters, or other water purification technologies doesn’t necessarily mean that people will use them.

After several years of studying the behaviour of communities in western Kenya, they found that people were most likely to treat their water when they have access to free chlorine at a communal water source. After filling up their jerry can (a very common water transport container), people can administer a pre-measured amount of chlorine from a permanent chlorine dispenser installed at the water source. The research found that less than 1 in 6 households chlorinated their water without access to dispenser access, but more than half of households treated their water when dispensers were available. Equipped with rigorous research results, the group continued to build and improve on the operational model until they were ready to spin off a new organization – Evidence Action – and launch the project. Evidence Action is planning to provide access to safe water for over 25 million people in East Africa over the next five years.

After hearing Evidence Action’s story, we were immediately intrigued. And, as finance people, we wanted to know all about how they planned to fund it. To date the program had been funded by grants, but those grants were not guaranteed over the long-term. Because Evidence Action’s goal was to establish a sustainably financed service delivery model, they set up a voluntary carbon project so that they could generate and sell carbon credits from the program.

We wondered: what do carbon credits have to do with water purification? And, how could a water treatment program be  financed through a carbon credit program?

Thus we set about learning how water treatment and greenhouse gases are related. The idea is this: if people have access to low-carbon technologies like chlorine for treating drinking water, they are less likely to burn wood, gas, or oil to boil water to purify it. Chlorine dispensers therefore avert fossil fuel emissions, which can be quantified, verified, and sold as carbon credits.

We were intrigued but also skeptical. When we returned to San Francisco, we started looking into the project in detail. If we could confirm the potential of generating a revenue stream coming from the carbon credits for this project, then maybe we could fund the installation of chlorine dispensers as in-kind loans to communities in Kenya, which would be repaid by the revenues associated with their usage. Cool. But also a little crazy. 


Overall, we are confident that at the very least the loan funds raised on Kiva for these communities will be put to extremely good use - installing chlorine dispensers that have been rigorously evaluated and that will provide access to safe water for 636,000 people and save over 700 lives.

We also know that while we cannot be 100% certain about default risk for this project, we want to give it a shot as Kiva can - for some lenders - strike a fine balance between investment and philanthropy.  Whether these loans end up being repaid in full or not, if Kiva lenders choose to participate, at the very least they will have been part of a grand experiment to make water safe to drink, to save lives, to support the scale-up of a proven intervention, and to test the idea that debt funding can be tied to carbon revenue. So make a loan today!


Sunday, December 28, 2014

An Asteroid named Homo Insatiables

As the year glides toward its marker-designated-by-mankind end I have to admit a certain pessimism about the future of our species. While scientists have been warning of climate change caused by greenhouse gas emissions with greater and greater urgency for the last 40 years, governments, industry and society have done little to address the problem. 

Industrial giants have used their money and power to defeat any environmental concerns. All they care about is making more money now and the future be damned. 

And we as a people have done little to nothing to rein in our own consumption levels, and to demand our governments enact environmental legislation. In fact all we have done is demand more and more and bigger and faster and shinier and newer and with one more feature/colour/button than six months ago.  

I'm not excluding myself. I cringe every time I reach for the 'Charmin', buy produce imported from Chile, Mexico and California, stand in the shower for an extra minute with the hot water pummelling the crook in my spine, and I make my excuses. 

We lived so low on the eco-pole for five years in our 120 sq ft "tin palace" that I'm begging off my eco-crimes on the grounds that it's taken me over two years to put 5,000 kilometres on my KIA, and that's with the oldest son driving it to Vancouver Island and back, which put almost 2,000 km on it. We eat very little meat, we are careful, conservative shoppers, and I wear my clothing 'til it's indecent to go outside. Right now I'm wearing a hippari top I made in 1979. The seams are worn right through in places, but it's so practical I can't bear to discard it. Nonetheless today we all collectively stand on the brink of the abyss. 

A new draft report by the the Intergovernmental Panel on Climate Change (IPCC) suggests that we are looking at the likely end of human civilization as increasing greenhouse gas emissions create “severe, pervasive and irreversible impacts for people and ecosystems” over the coming decades. 

Global temperature is nearing the point when loss of the vast ice sheet over Greenland will be unstoppable. Along with melting Antarctic ice, sea levels will flood major coastal cities as well as coastal plains and low-lying and island nations.

One of the most feared consequences of global warming is the thawing of permafrost regions. A study in Science magazine warns that “even slightly warmer temperatures [less than is predicted in coming years] could start melting permafrost, which threatens to trigger the release of huge amounts of greenhouse gases trapped in ice,” with possible “fatal consequences” for the global climate. (As humans we aren't designed to breathe carbon dioxide or methane.)  

The human era of civilization coincides closely with the geological epoch of the Holocene, beginning over 11,000 years ago. The previous Pleistocene epoch lasted 2.5 million years. Scientists now suggest that a new epoch began about 250 years ago, the Anthropocene, the period when human activity has had a dramatic impact on the Earth. The rate of change of geological epochs is hard to ignore.

One index of human impact is the extinction of species, now estimated to be at about the same rate as it was 65 million years ago, when an asteroid hit the Earth. That is the presumed cause for the ending of the age of the dinosaurs, which opened the way for small mammals to proliferate, and ultimately modern humans. Today, it is humans who are the asteroid, condemning much of life to extinction.

The IPCC report reaffirms that the “vast majority” of known fuel reserves must be left in the ground to avert intolerable risks to future generations. Meanwhile the major energy corporations make no secret of their goal of exploiting these reserves and seek new ones to plunder, even in the most environmentally sensitive and vulnerable ecologically places on Earth. 

A day before it ran a summary of the IPCC conclusions, The New York Times reported that huge Midwestern grain stocks are rotting so that the products of the North Dakota oil boom can be shipped by rail to Asia and Europe.

The same is true in Canada. Grain sits in silos; farmers are unable to find railcars to ship their grain to ports or domestic markets, while tar sands products are shipped by the hundreds of thousands of rail cars daily to Asia and the USA.  "Oil transportation by rail is expected to jump to about 700,000 barrels per day by 2016 from 200,000 bpd in late 2013, the Calgary-based lobby group predicted Monday in its annual crude oil forecast."  [Financial Post; June 9, 2014] 

I used to want grandchildren. I don't anymore. Best not to bring children into the hell this world is going to descend into. 

"Only when the last tree has been cut, and the last river has been poisoned, and the last fish has died. Then you will realize that you can't eat money." Chief Seattle