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Civilisedmoney - people-to-people power!

Civilisedmoney - people-to-people power!
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A Quick Guide to Starting a Beehive © Jaymi Heimbuch via Flickr With Colony Collapse Disorder consistently chipping away at our global honeybee population, the art of beekeeping has become more important than ever. So when I found out my local newspaper--the San Francisco Chronicle--had a rooftop beehive, I just had to see it for myself as I've been curious about starting my own hive for a few years now. I do hope what I learned on my visit inspires you to start your own apiary. Since 2009, colony loss levels reached 29-percent, according to the USDA, and they increased to 34-percent come 2010. Meredith May is one of the main beekeepers over at the Chronicle and she gave us a do-it-yourself tour of their rooftop beehive. Now, let's start beekeeping! What You'll Need Smoker - Any size will do but the buzz on the street is that the larger ones are easier to keep lit. Veil - You are going to need some sort of protective garments like a veil and a jacket. Bee brush - No, this isn't for grooming the bees! Mail Order Brides Bees

Kiva’s Secret Project To Let You Give Peer-To-Peer Loans Microlending website Kiva’s original proposition was simple: Make an interest-free loan to someone who no bank will touch. The site, which launched in 2005, became wildly popular, as people gleefully gave a few dollars to struggling businesspeople in the developing world, and then saw that business grow and had their money repaid. But many lenders assumed--not surprisingly, given Kiva’s marketing and web design--that the smiling face on the other end of the PayPal transaction got the exact cash they lent out. A minor kerfuffle ensued in 2009 when a blogger broadcast the fine print of Kiva’s website, revealing the nuance that a donation actually goes to take on the risk of a loan already made to that person by a microfinance institution. In other words, the person you chose to fund already had his loan. Now Kiva is launching a program to do, essentially, what everyone thought they were in the first place. “It’s really expensive to reach rural Kenyans,” he offers as an example.

Browse. Order. GoPago. a DoubleBeam company Merchant Login Reseller Login New Reseller The All InclusivePOS System Everything you Need to get yourBusiness Up and Running Yes. Everything. The GoPago POS System comes ready-to-use out of the box. Easy Set-Up to AcceptCredit Cards. Cloud-based so you’realways connected. WiFi and 4G DataPlans Available Easy Loyalty Program Customization Abilities Customers can orderahead and skip the line inFree Mobile App Pricing Hardware Tablet Stand Credit Card Swiper Cash Drawer Receipt Printer Other Hardware Available Subscription $69/Month No commitment Includes 4G data plan 24/7 support Includes all software updates Contact Us 65 N Raymond Ave. GoPago Mobile App POS System mPOS Order POS POS Hardware POS Software Android POS About Careers Press Blog Support Privacy Merchant T&C Consumer T&C © 2013-2014 DoubleBeam, Inc. Contact Us Tell us your reason for contacting GoPago Please enter text in the field below. There was a problem loading the captcha. Read GoPago's Privacy Policy

Design Probes - Urban beehive The design of the beehive is unconventional, appealing, and respects the natural behavior of the bees. It consists of two parts: entry passage and flower pot outside, and glass vessel containing an array of honeycomb frames, inside. The glass shell filters light to let through the orange wavelength which bees use for sight. This is a sustainable, environmentally friendly product concept that has direct educational effects. As Banks Start Nosing Around Facebook and Twitter, the Wrong Friends Might Just Sink Your Credit | Betabeat — News, gossip and intel from Silicon Alley 2.0. Pay up, or we'll spam your newsfeed! By Adrianne Jeffries 12/13/11 7:39pm Share this: Can't pay? Well, what about your friends? Let’s take a trip with the Ghost of Christmas Future. A new wave of startups is working on algorithms gathering data for banks from the web of associations on the internet known as “the social graph,” in which people are “nodes” connected to each other by “edges.” “There is this concept of ‘birds of a feather flock together,’” said Ken Lin, CEO of the San Francisco-based credit scoring startup Credit Karma. And in the last year or so, financial institutions have started exploring ways to use data from Facebook, Twitter and other networks to round out an individual borrower’s risk profile—although most entrepreneurs working on the problem say the technology is three to five years away from mainstream adoption. Movenbank is an online bank in private alpha release that replaces plastic credit and debit cards with a mobile device such as an iPad or smartphone. Mr. Mr.

Privly · Welcome Underground House With Green Roof Approved In Protected Area Next To Achaeological SIte Architizer/via OK, I am deeply conflicted about this one. The UK has very strict greenbelt and cultural heritage landscape rules to preserve heritage views and historic sites, and to control suburban sprawl. Recently there have been a bunch of attempts to bust the rules by using green roofs and underground construction to hide the buildings, and to qualify for a Clause 11 of Planning Policy Statement 7 or PPS7 which the Architects Journal defines as the ‘exceptional quality and innovative nature of the design’ of a proposed building may provide ‘special justification for granting planning permission.’ I have previously covered other attempts, including the Teletubby House and an underground hotel and golf course. I concluded that Green Roofs + Green Belts = Greenwash Then there is the issue of who is really gaining from these restrictions. Hawkes Architecture /via Then there is the issue of the actual house itself, which is pretty wonderful from a green design point of view.

Bank on Dave: one man's crusade to help small businesses raise finance | Money The banks are "shit". According to Dave Fishwick, a Burnley businessman who has made millions as the biggest minibus supplier in Britain, "all they have done is shit on people". It's a crude assessment, but it's one probably now shared by millions as the Barclays scandal unfolds and NatWest picks up the pieces from its service meltdown. As he drives round his home town, all Fishwick sees are the relics of an industrial past, boarded-up shops and one To Let sign after another. But unlike almost everyone else, he has done something about it. In a unique model, that links savers in his home town earning paltry interest on their deposits with local businesses starved of cash, Fishwick has opened "Bank of Dave". Pensioners earn 5% on their money – better than any best-buy deal on offer from the high street banks – while small business borrowers pay 8.9% to 14.9% a year interest, or less than the rates often charged by conventional banks. All profits go to charity. So how did he do it?

Money for the Masses Earlier this month, a Silicon Valley mobile startup called Loopt was acquired for $43 million. Even though Loopt had only a relatively modest user base, it was well known among the tech cognoscenti. But the same wasn’t true of the acquiring company. Who exactly, wondered many writers, was this outfit called “Green Dot”? In fact, Green Dot is something of an industry giant, an 11-year-old payments company with 4.5 million active customers who used it to complete $16 billion in transactions last year. Green Dot is the biggest example of a new breed of financial-services company that aims extremely sophisticated technology at what might seem like a singularly unpromising demographic: the estimated 60 million American considered “underbanked.” Currently, many of the underbanked are forced to rely on a demimonde of check-cashing and payday advance services. Green Dot’s product is a prepaid debit card.

Vertech Limited Bridge,WorldArchitectureNews, Vertech Limited, Peeblesshire, Urban Design,Sustainability When sending your plastic bottles for recycling, where do you imagine they’ll end up -perhaps as another bottle or even a plastic bag? One innovative Welsh company have just completed a European-first - by turning 50 tonnes of waste plastic into a record 90ft Thermoplastic road bridge suitable for heavy goods vehicles. Vertech Limited, a relatively new start-up company have partnered with Dawyck Estates, specialist bridge designer Cass Hayward LLP, Cardiff University’s School of Engineering, Rutgers University’s AAMIPP Department and Axion International - with support from the Welsh Assembly Government - to make the project a reality. The bridge spans the River Tweed at Easter Dawyck in Peeblesshire and forms part of the historic John Buchan Way. It was built off-site and assembled in just 4 days by an outstanding team from Glendinning Groundworks Ltd, a local Peeblesshire contractor, and 10 Field Squardron (Air Support), Royal Engineers. Contact Vertech for further details.