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Better Places to Keep Your Money than the Bank

My local bank in Colorado is literally offering to pay me no interest --just an offensive 0.05% annually, before taxes. The interest rate triples to 0.15% when the balance exceeds $50,000.

Absolutely no incentive when one considers the risks the bank imposes on your capital, retaining only pennies on the dollar of your money, then leveraging your capital -- fractional banking. How can I be interested in a 0% savings rate deposited at a relatively risky institution while supporting the fractional banking system?

While I do keep a small percentage diversified outside of gold and silver in dollars, I have found better ways to not only keep my money out of the bank but to help others at the same time.


Run Your Own Bank – Become a Micro-Lender

Why not become a micro-lender and help others?

Micro-lending is the opportunity to lend small loans to impoverished borrowers who typically would otherwise not have access to capital. The microcredit concept is “designed not only to support entrepreneurship and alleviate poverty, but also in many cases empower and uplift entire communities.”

Leveraging the internet and a worldwide network of microfinance institutions, you can now lend as little as $25 to others (see example $825 loan below). These micro-loans provide an opportunity to help build and create wealth for those where it was not possible before.


$25,755 Lent | 966 Loans -- Join Team &!

At, you can loan your money to a global network of entrepreneurs looking for short-term capital. You can see and review (see sample loan below) who you lend to. Starting with just $25 at a time!

Since 2005, Kiva has lent over $335 MILLION in loans with a 98.98% repayment rate. Average loan size is $396.76 and there are over 1.2 MILLION Kiva lenders.

My personal repayment rate over the past several years has been 99.47% with a 0% exchange rate loss.

Kiva Team and has made a huge impact already with $25,775 from 966 loans. Please look at the charts below for some more team impact statistics.


What do you have to gain? Just try one $25 loan!

Take your money out of the bank and help create wealth and prosperity for those who really need help. You can positively impact the lives of many while taking on minimal risks.

I see no reason to keep savings in a bank paying you virtually 0% when the same 0% loan could instead go and help many others.

Please join our team right now at Kiva to help give thousands more the opportunity to help themselves improve their lives and the lives around them!

Look forward to seeing you there,

- Peter Spina, President &




Team and has loaned to a variety of sectors with a heavy focus on manufacturing:


Team and has loaned to huge variety of countries around the world. Our #1 country is Kenya with over $2,000 lent:



We invite you to join Kiva and be part of team &

-- We loan because: This will help to build and create wealth for those who have the initiative to do so.

Help us reach our 2012 goal of $15,000, which is 69% complete!

With 19 team members team & is making a huge impact on hundreds of lives. Join our team and grow our impact to tens of thousands of people around the world.



Example Loan: $825 | $25 min. | 14 Months


A loan of $825 helps Musa to buy fire wood for burning the bricks and also pay the workers.

Musa from Nansana, Uganda

Musa is 30 years old and lives in the town of Nansana in the Kampala West region of Uganda. He is married and has two children who are both currently in school. For the past three years, Musa has been working hard to manage his business where he makes bricks.

To help expand his business, Musa has requested a loan of 2,000,000 Ugandan Shillings from BRAC Uganda. The loan will be used to buy fire wood for burning the bricks and also pay the workers, and will help Musa to generate greater profits and increase his income. Musa hopes that in the future he will be able to improve his capital inflow and start up another business.

Musa is a member of BRAC's Small Enterprise Program (SEP). The program primarily serves small entrepreneurs like Musa who do not have enough collateral for commercial loans, but have businesses that have grown too large for microloans.

Join our team and LEND $25 TO MUSA.

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