Endless Gibberish

I haven’t visited Kiva in awhile and felt charitable so I decided to see what third world entrepreneurs I could help out. When I visit the Kiva.org website, I find out there is a shortage of businesses in need of loans. Each and every business has been funded! Due to all the press generated by President Clinton and Oprah Winfrey lately, there has been even more interest and traffic to Kiva. I’m disappointed too as I have more funds at my disposal than I did when I first joined Kiva.

Here’s my lender page some interesting tidbits about the average Kiva user:
Average number of loans made: 2.4
Average total amount loaned: $104
Average delinquency rate: 2.39%
Average default rate: 0.26%

When you “donate” through Kiva you’re essentially not giving away the money but rather loaning it out interest-free. You also accept the risk that the entrepreneur may default on his or her loan. I’ll let you guys know when Kiva finds more capitalists in need.

Here’s some late night ranting… So Apple announces a $200 price drop for it’s 8 gig iPhone and a $100 rebate for those that previously purchased it. Why don’t I care?

1. The most obvious reason is I don’t own an iPhone or ever plan on owning one unless it fell out of the sky into my lap.

2. I knew they were going to happen sooner or later, I just didn’t expect it this soon. The mark-up was 100% on an iPhone. Seriously now. It was obvious they were cashing in on the “cool” crowd that had to have it first.

3. Getting locked into an AT&T contract? Please. AT&T customers don’t get service where I work and that’s roughly 30-40 hours a week I spend there.

4. The iPhone is in no way a smart phone or more advanced than other phones. No 3g, 2 megapixel camera, no gps and the list goes on. Read 28 reasons why the iphone sucks for more.

Sorry if my opinion offends any iPhone fanboys out there. The iPhone isn’t a bad choice for mainstream consumers like my sister that want a simple phone (she got one the day it came out).

“What would happen if every blog published posts discussing the same issue, on the same day? One issue. One day. Thousands of voices.”

That’s the statement from the blog action day movement’s website. So what important issue are we discussing on that day? The environment. Every blogger involved like me will talk about the environment in our own way.

According to the website’s blog they passed 4,000 blogs with about 100 blogs joining everyday. I found out about blog action day through Zen Habits while reading an article about how to learn more and study less.

So for any other bloggers out there interested and in need of more information, check out their website.

One of the blogs I always visit when I’m at my computer is Lifehacker. No, I’m not getting paid to write about them or anything, I just love that blog THAT much.

Some posts actually tie in to personal finance such as make your home more attractive to buyers and how to research that online purchase.

“I cannot make my days longer, so I strive to make them better.”

You’ll find tons of various posts that make your life better at Lifehacker. Enjoy.