An Inspiring Kiva Story

Kiva is an international nonprofit, founded in 2005 and based in San Francisco, with a mission to connect people through lending to alleviate poverty. They celebrate and support people looking to create a better future for themselves, their families and their communities. 
Kiva Loan for a Shoe Business

By lending as little as $25 on Kiva, anyone can help a borrower start or grow a business, go to school, access clean energy or realize their potential. For some, it’s a matter of survival, for others it’s the fuel for a life-long ambition.

One woman brewing change in Africa, and beyond – Medium  Story by Jessica P. Hansen, photos by Brandon Smith

Vava Coffee, is taking the coffee industry by storm. Upon learning that coffee farmers in Kenya earn less than 35% of the international market value on their high-quality coffee because of their lack of access to better markets and limited knowledge of the quality of their product, Vava set out to shake things up. Get the full ‘scoop’ on how her Kiva loan has allowed her to grow her business and improve the lives of 30,000 farmers in innovative ways

Resources for Seniors

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I was recently contacted by Kathleen Carter from http://educatorlabs.org/who has put together a collection of resources for seniors and the various challenges we face as we grow older.

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I hope this will be of value to any seniors among my readers or those who are carers for someone with a disability or other health problem.

 

From Elmer George of elderville.org

“As a senior who recently purchased a home and made significant modifications to it, I can’t tell you how much people like me (people of all ages, really) appreciate having easy access to info about buying and maintaining a home.” so here are his list of recommended links.

A Guide to Downsizing for Seniors and Their Loved Ones

Should You Own or Rent a Home in Retirement?

Saving for a Home Post-Bankruptcy: A Three-Step Guide for Families

7 Home Improvement & Remodeling Ideas That Increase Home Value (And What To Avoid)

How to Deter Burglars: Keeping Potential Robbers Away From Your Home

 

Learn from a Udemy Course Today!

Do you love to learn something new?

I do and I have enrolled in several courses in a fairly new institution called Udemy.

Udemy

 

 

 

 

 

 

 

 

 

 

 

 

Our team recruits the world’s top experts, including New York Times best-selling authors, CEOs, celebrities, and Ivy League professors. These expert instructors have taught over 500,000 students on Udemy, helping them learn everything from programming to photography to design to yoga and more.

Udemy is headquartered in San Francisco, California. It was founded in 2010 & is funded by Insight Venture Partners, Lightbank, MHS Capital, 500 Startups and other investors who previously foresaw the internet giants YouTube, LinkedIn, Twitter, Groupon and Yelp.

Udemy helps students make moves. Whether you want to get promoted, break into a new industry, start a company, further a passion, or just accelerate your life, Udemy helps you learn from the amazing instructors in the world, so that you can get there and get there faster.

If you are an expert in some area, Udemy empowers you to create a course and teach online. Best online teaching tools (for free!), a supportive instructor community, and expert course creation & technical teams dedicated to your success.

There is something for everyone there.  I am currently learning about photoshop, Kindle publishing, mobile marketing, website security and how to create training videos.

Best wishes
Trish

For more information, watch this YouTube Video

[youtube http://www.youtube.com/watch?v=UmKRevigZUg]

Promote Your Home Business

Use the same marketing tools as a standard brick and mortar business, to promote your at home venture.

Advertising your service or product, is just as important, if not more, when you work from the home. It is important that the public knows how to find you and that your business exists. In order to find success in running your own home business, you must be totally comfortable promoting yourself.

As the owner of a home business, you will need to talk up your business to a large number of potential customers. You have to be able to make your customers feel that your business and products are of the highest quality. Learning to successfully self-promote, is one of the keys to making big time profits.

Participate in trade shows that focus on your particular product or service. Trade shows provide a great way to network with others in your industry. It is also an effective way to promote your business to many potential customers by providing you with a setting to demonstrate your product or service.

Create a mailing list for your home business. This can either be through snail mail or the internet. Let others know about any special deals you are offering or just promote your business.

You can also send out small updates or newsletters to your customers to let them know what has been going on. This will increase traffic to your web site.

Examine all of the ways your home business appears in the marketplace and be sure you have a consistent message and presentation.

Whether it is your business cards, web site or social media business page, keeping your messaging professional and synchronized helps you promote your business appropriately and clearly across multiple channels.

Having a home business does not mean you have to stay home.

Get out of the house to network and promote your home business.

Promoting your business will help make your business grow and in turn make you more money.

Being active in the community will help to spread the word of your business. Business cards are a great way to promote your home based business and get your name out to the community.

Search for free business cards online and then distribute them wherever you go, including grocery stores, dentist offices and your children's schools.

Set up an advertising and promotional item budget for your home business and make sure you stick to it.

Advertising, free products, printing and more can add up quickly.

When you stick within your allotted budget, you help your business stay on track. Your budget will grow over time and you will be able to spend more money to promote your business down the line.

Promote your home business by offering a coupon for a free sample or a discount for your services. People are attracted to free offers, so this is a good way to bring in new customers. People are more willing to try a new business if they do not have to risk their own money to try it.

If you are caught by what is being called the "latest recession" and you are  wondering, "How is my family going to get by?", see if some of these ideas and helpful tips can help you survive and improve your financial situation.

My Favourite Freebie that I Got From Randy Smith

I have talked about Randy Smith before on my blog; he is one of the genuine internet marketers out there who really wants to help people be successful too.

His blog, Randy's Ramblings (http://randolfsmith.com)   is a mix of personal and business and is always entertaining, contains helpful business ideas and links to freebies to help beginners as well as those further along. 

Of the many very useful freebies, the one that wins hands down for me is the IMA Link Cloaker as it has been a great time-saver for me.

After setting it up on it's own domain, I now have all my affiliate link details  and cloaked links in one place instead of having to scramble through all the various blogs and sales pages where I first set them up.

Before I used the IMA link cloaker, I tried keeping a spreadsheet detailing where everything was, but some weren't recorded, some were on the list but were no longer correct & there were quite a number of duplicate cloaked domains for the same destination.

Apart from keeping track, the best management feature of the IMA link cloaker is the ability to verify the link with one click form inside the software – so much faster than having to copy and paste the cloaked link into a browser tab to check for errors or to make sure a link is not out-dated.

This might not be a useful tool for you, but it's well worth checking out Randy's blog for any of his other useful freebies if you have any interest at all in choosing internet marketing to earn a bit of extra income; you'll learn a lot and also meet some really good people in the randolfsmith.com  community.

Best wishes
Trish

IMA – A Review of Internet Marketing Apprentice

Is this the site that has all you need?

Membership sites are still going strong this year and for good reason – a good membership site can have all the tools and resources you need to get your internet business up and running and making money. The only reason that often they don’t is that you go flitting from one site or ptoject to another (like I used to) and don’t get on and follow the suggestions, plans or programs that these excellent sites offer.

Mind you, they are not all excellent sites, but most are run by people who with integrity and who want to do all they can to get you making money and living the same lifestyle of freedom that they themselves have. SO how do you know if a particular membership site will be one of the good ones?

Here are a few pointers to help you decide:

  • Does the site just seem to be a product with a download area and an optin box for your email?
  • Is there a whole lot of hype and trumpet blowing and very little factual information about what is included?
  • Does the advertising tell you up front that the “free” offering is just a lead in and once you sign up, you’ll have to pay a fee, perhaps a monthly fee, to have any real benefit?

Now, don’t get me wrong  – there is nothing wrong with a membership site that has a monthly fee and offers great value for that fee – I belong to a few of them myself – but they have always been open and honest up front about the pricing structure, letting you decide beforehand whether this is for you.

So, here are some clues that a membership site you are considering is good value:

  • Are you offered something that you deem to be good value before you are even asked for any cash? Especially important for those who are in their early stages and don’t have much to spare yet.
  • What sort of training is on offer?
  • Is it at a level appropriate for your stage of learning? Some sites will only offer basic stuff, while others will bamboozle a beginner, maybe putting them off forever.
  • What other resources are provided? Can you get products to sell, resell, brand or rewrite & make your own?
  • Do they help you get traffic to your sites? After all, the best website ever won’t make any money if nobody sees it!

OK, enough of my views – I want to tell you about a new membership site started by a guy I’ve learned to trust, Randy Smith and his partner Craig Dawber. It’s called Internet Marketing Apprentice (or IMA for short) and it incorporates all the elements I’ve told you to look out for in a good membership site. You can get free coaching newsletters sent every 7 days and you don’t need to pay anything for that.

 

However, for those who are ready for more, there many aspects to the membership.

Read more

Keeping your Brain Active

Free Gift Membership to “Learning to Earn” see below.

If you’re approaching retirement age and wondering what you can do to enjoy a long and healthy life in your golden years then consider adopting the attitude of a lifelong learner. Most people think of lifelong learning as being confined to academic endeavors however the lifelong learning approach covers all areas of life including spiritual, social, academic and physical.

Lifelong learning is based on an attitude of constantly growing and evolving in various areas of your life. The old saying that whenever anything is not growing it is decaying could be just as true for us as humans. No matter what a person’s age there are great benefits to be gained by challenging yourself in the different areas of your life, physical, mental and self-deveopment.

Physical challenges must be appropriate for your level of fitness, but regular exercise of some kind will leep your body healthier and your brain healthier too. Mental challenges do not have to be academic study, they can be a new hobby or interest, a new caring or chrity venture, more involvement with family. The most growth in personal development will come when you take on something that is currently outside your comfort zone (nasty words those, aren’t they? How we love to stay in our comfort zone, even when it isn’t all that comfortable really).

Lifelong learners live by the motto “you’re never too old to learn” and this attitude is a big part of the reason that people who approach life with this mindset are seen to perhaps live longer but definitely enjoy a better quality of life – is the so-called law of nature known as the “use it or lose it” true?

It does seem to be the case that those who are considerably inactive develop mobility problems as they age, whereas those who are quite active do not develop these mobility problems. A similar effect takes place with anyone who takes no part in any mentally challenging activity or pursuit. After years of mental inactivity

Read more

Kiva – Loans to the Working Poor

Hi Everyone

Today I discovered Kiva, a marvellous method of helping people in other countries who are helping themselves. You can lend amounts as low as $25, making it possible for most people in western countries to help.

It is the world’s first person-to-person micro-lending website, empowering individuals to lend directly to unique entrepreneurs around the globe

Kiva’s mission is to connect people through lending for the sake of alleviating poverty.

http://www.kiva.org/app.php?page=businesses

The people you see on Kiva’s site are real individuals in need of funding – not marketing material.

Read more

Computer Use by Seniors May Help Their Mental Health

Seniors who become adept at and use a computer appear to have fewer depressive symptoms than those older adults who aren’t so technologically connected.

That’s the finding of a research study, Depression and Social Support Among Older Adult Computer Users, presented August 18 at the 113th Annual Convention of the American Psychological Association.
The data regarding computer use and depressive symptoms was collected as part of the latest wave of an ongoing longitudinal study that is designed to determine the changes over time in physical health, mental health and social activity of older adults living in lower Manhattan.

Called VOICES (Villagers Over 65 Independent Living Challenges and Expectations), the research is being sponsored by Village Care of New York, a not-for-profit long-term care provider. “Villagers” refers to persons living in Manhattan’s Greenwich Village and environs, representing the core group of individuals being followed over the course of the study, which began in 1998.

The computer use study was conducted by Edward Cisek, PhD, and Kathleen Triche, DSW, CSW.

Triche, who presented the study’s findings at the conference in Washington, D.C., said that the researchers decided to look into the impact of the growing use of computers by seniors on the hypothesis that those using computers would report fewer depressive symptoms than non-users.

Through observations at one of Village Care’s senior information centers in New York City, which Triche directs, computer use there seemed to give older adults a greater connection with the world around them.

“Given the social and informational nature of older adults’ computer practices – e-mail, chat rooms and health information gathering, for example, it seemed likely that this would be beneficial to an individual’s overall mental health,” Triche said.

In the computer study, it was determined, after controlling for a number of background characteristics, that seniors who were computer users reported significantly fewer depressive symptoms than their counterparts who do not use the computer.

Researchers also found that computer users tended to be among the younger members of the study group and have higher annual household incomes, while also reporting higher functioning in activities of daily living than the rest of the seniors in the study group.

“Clearly, those older adults in this study who use computers report fewer depressive symptoms, regardless of how many hours per week they use the computers,” Triche said, cautioning, however that these findings are among a generally highly educated group residing in a limited geographic area.

Future research in this area should include more diverse populations and use other measures of social connectiveness.

Participants in the survey included an urban community sample of 206 adults over the age of 65 (with a mean age of 80) that was randomly selected from three zip codes in lower Manhattan.

Reprinted from “Medical News Today” Article Date: 22 Aug 2005
http://www.medicalnewstoday.com/articles/29466.php
VILLAGE CARE OF NEW YORK

New Blog for Senior Computer Users

Hi everyone, welcome to the new blog.

The purpose of this blog is to create a community where folk of senior years and other beginner computer users can all learn from each other and support each other in our journey towards making more use of our computers and finding ways to earn extra income from them and from the internet.

For those unfamiliar with the word ‘blog’, it is derived from the term ‘web log’ and is basically a website, usually maintained by an individual, with regular entries of commentary, descriptions of events, or other material such as graphics or video. These entries are commonly displayed in reverse chronological order.

Blogs are a great way to involve people because they give everyone a chance to make comments on any material posted or to send in helpful answers to problems other members have written in about, so this blog will be replacing the newsletter that some of you were receiving.

Many of you don’t know me, so I’d like to introduce myself. I am a baby boomer, living in Queensland, Australia at present, but thanks to the internet, am in frequent contact with people all over the world. I have two daughters and three grandchildren living on the other side of Australia and the rest of my family living in New Zealand or scattered all over the globe. Naturally I am a frequent user of email & Skype to keep in contact with them. (For those who don’t know about, or use skype, it uses the internet to make long distance phone calls that are free to other skype users or allow you to ring someone’s regular phone very cheaply. We will be doing an article about skype and other similar systems – so stay tuned. If you register to receive email notification of new posts, you’ll get the news immediately this topic is posted.)

I have been a computer buff for twenty years or so after buying my first home computer. Believe it or not, it didn’t have a hard drive at all, just 2 single sided 5.25″ floppy disks and just a little amber screen about 150 x 100mm!

While not an expert in any area, over the years I have helped many, many people to learn how to use their computer better and about eight years ago I started giving structured, one-on-one computer lessons, mainly for seniors.

During this time, I came across a great number of people who had acquired a computer by various means, some by being given an outgrown desktop model from family members who had upgraded, or buying a cheaper PC (personal computer), new or second-hand for themselves or even, as my own mother has done, buying a laptop for the convenience of being able to use it anywhere (like in a warm room in winter!).

One of the things that saddened me was to find that many of these owners would like to get more use from their PC, but were scared to do much in case they damaged something; they didn’t know how to do more than just some of the basic tasks and in many cases, ended up only using these marvellous tools for email and playing patience (or solitaire, if that is how you know it). If this is you, don’t worry – playing solitaire is a great way to become proficient with your mouse!

Now that’s fine if you are happy to be just using your computer for email because it certainly allows you take keep in touch with distant relatives and friends almost instantly. However, for those who would like to take advantage of other functions and features, I’m hoping that the information in this blog, and the comments from others, will inspire you and bring you information and tools to assist you as you learn to make your computer work for you.

Learning can be great fun or it can be a drag, it all depends on how you approach it and what you want to get out of it. Naturally the reasons for people wanting to learn more will be many and varied so the plan is to present some projects/information for beginners and some in varying levels for more advanced users. I won’t be re-inventing the wheel, but will be bringing together ideas, games and projects devised by others into this blog, so that you have a base to work outwards from.

Working along alone is sometimes hard and we lose momentum and hope. I’ve found from personal experience that by belonging to a community of like-minded people, there’s nearly always someone ‘out there’ who can help with something you’re stuck on, or just to say ‘hey, I know what it’s like. I nearly gave up, but hang in there, try this and you’ll soon have the hang of it’.

Do you know that studies have shown that the point where most of us give up is when we are nearly there? I’m sure this resonates with some of you, it certainly did for me when I first heard it. So, hang in there, ask a question, make a post – just don’t feel isolated as there are thousands of people our age out there getting a great deal in so many ways from our PCs.

There will be articles from other senior clubs and forums, ‘how to’ articles, reviews of products and also a special area devoted to using your computer and the internet to earn money. I doubt that there is anyone, not matter what age, who would not find it useful to have another stream of residual income, so there will also be links to information, programs and products that could be helpful on your journey.

I would love to hear suggestions from readers on topics they’d like to learn about so please write your ideas in the ‘Suggest Ideas’ area. You also have the opportunity to make comments after any post. Perhaps add extra ideas or methods that have worked for you and would help others. If you think what is written is rubbish, you are free to say that also, but please abide by the rules, no spamming, no personal attacks and no offensive language.

It is my hope that by coming here often to check out what is on offer we can become a community that shares and grows together.

If you would like to be sent an email whenever there is a new post, enter you name and email address in the form on the home page.

Please be assured, this site is not primarily to push you to buy anything. I would be happy for you to join in, contribute your ideas and never buy a single thing, but please respect the position of others who may want to do so, especially if they are building an on-line business. I would not be where I am today without buying products and mentoring along the way so there will be space for featured & recommended products as well as helpful hints, ideas and general information here on the site. If any readers wish to contribute original articles, please email me.

Looking forward to hearing from you.

Best wishes, Trish