A way to help the third world without charity

Kiva is a Microfinance project which aims to help alleviate poverty in the third world. I think it’s a small step in the right direction and worthy of our support.

Image representing Kiva as depicted in CrunchBase
Image via CrunchBase

Through one of reddit’s recent advert campaigns, I’ve come to discover Kiva, a non-profit project trying to alleviate poverty through micro-financing of entrepreneurs in (mostly) third world or developing nations. It’s quite an interesting attempt at this issue really. While Micro-financing (MFI) is not something novel anymore, the idea of utilizing the Internet to make it very easy for distributed people all over the world to provide credit for particular causes.

This is in fact I believe the most important part. While MFIs are quite a worthwhile way to provide credit to those falling between the cracks of the financial system, it must have been quite difficult for people with some spare money to contribute to it. Kiva is the necessary step which finally makes it easy to connect those with money, to those who will distribute it. That it adds a personal touch and a sense of connection of lender to borrower is just the icing to the cake.

The thing I like the most about Kiva is that this is not a charity. While there is a general charitable aspect of it – specifically in the sense that lenders do not receive interest on their loans and have a risk of losing some of their money – as a whole the concept is made so that people get a chance to receive funds for their purpose (whether entrepreneurship or personal) and then return it as a whole but on better terms.

Why is this noteworthy? For me, it’s quite important not to be a charity event as I consider charity to be the wrong way to go about solving poverty issues. I won’t get into a lot of details but in a few words it insults both charitor and beneficiary and it promotes a passive and victim mentality. Nothing really an Anarchist likes to promote. On the opposite side, the Kiva and MFIs at least push people to find a way to put the money to good use and then be able to repay it. If trains people to solve their problems with those of us who have it better giving the leg up.

And this is the most important part. Simply giving money to the poor in order to get them from one day to the next is just hiding the problem under the carpet. Helping the poor overcome their problems with their own solutions and empowering them to continue thinking this way is the important thing.  And I believe Kiva is a small step in the right direction.

Of course, compared to what should happen to finally resolve the problem of poverty, MFI is a drop in the ocean. However in a world where those of us who want to help feel so helpless to do so, the idea of helping people learn to stand on their own two legs is something.

So initially I was quite furtive in my first loan. I only gave out 25$ to one person and waited to see what would happen. Well, today I am glad to say I got 1.2$ of those back from the first return. Once I have it all back, I’ll be able to use it then to refinance someone else or even the same person if needed. This, along with me recently proposing to some rich online person to join Kiva as well, gave me the incentive to put my hand a bit deeper in my pocket and also to spread the word. Hence, this post.

kiva-redditThere’s also some other interesting thoughts about Kiva I’ve made. For example, one can also withdraw their money once its been returned. This means that one can theoretically use Kiva as a kind of savings account as well, in a sense hitting two birds with one stone. Both doing something about poverty and also having a small modicum of diversified security. Sure, it’s not getting interest and you may lose part of it, but it’s so spread out that it’s unlikely you’ll lose a lot and furthermore you can personally manage its risk to an extent and I am assuming it’s safe from bank runs.  Just an idea anyway.

This post wouldn’t be complete without me mentioning what I think is the biggest criticism about Kiva: Interest rates.

You see, while Kiva does not charge any interest rates for giving the money, the partners who actually are in contact with the borrower and serve as the intermediary between Kiva and entrepreneur, do charge an interest, and this interest can go quite high. To the tune of 50% even! On average, at the time of writing, Kiva has an average interest rates from partners of 23% but this varies wildly. I’ve seen 1% as well.

While Kiva does a pretty good job of explaining why MFI interest rates are so high, one also needs to consider that the interest rate sharpness is relative. While in comparison to the developed world they are astronomical, compared to their local money lenders, the interest rates are downright free. Local money lender average is at around 86% and I’ve noticed a lot of areas where it’s over 100%! So I think if someone really needs a loan, an interest rate of 70% less than one would get through local channels is a much better help.

Of course this does not mean that all partners have it so high. One can easily discover those who have it as low as 4% or even 1% and since Kiva provides the capability to search by partner, one can easily just look and provide loans with the lowest interest rates possible. Of course, you shouldn’t expect to be able to find such partners on areas with high risk and poverty as that would simply be not sustainable. Personally I prefer to use the word search and look for “coop”. This way I usually find entrepreneurs who are having a cooperative as a partner, which at least tells me that the money I give out is not going to fund worker exploitation for profit.

I think Kiva is a very nice idea and certainly a step in the right direction. It’s not the most radical of concepts but every little bit counts. I also like the idea that as a movement, it can also combine the powers of both the left and the right spectrum of libertarianism. Both those of us who want to do out little bit to fight poverty without insulting those we help and those of us who want to spread entepreneurship values.

Oh, and as a bonus fact, Kiva also supports groups. This means that when you lend money, you can do it as part of a group of people. And would you know which people are the ones who have lent out more and by a large margin? Atheists 😉

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Ask an Anarcho-Communist

Do you have a question for an Anarcho-Communist? If so, here’s your chance to ask.

I’ve recently discovered the IAmA part of reddit which is basically a place for people to declare some kind of expertise or classification and allow people to ask whatever is on their mind on this particular concept. I’ve decided to see what kind of questions people might have for an Anarcho-Communist so I’ve made up a new thread.

There’s quite a few interesting questions already and people seem to have less initial hostility than I imagined. This is good. It shows that Anarcho-Communism (as opposed to simply ‘Communism’ which is basically the same thing anyway, even though most people misunderstand it) is not a slandered in the mind of the people yet.

So if you’ve got a question that’s been burning your mind and you’d like to ask to an Anarcho-Communist about it, head over to the thread and fire your lazers ask away!

Alternatively, feel free to ask in the comments of this post if you prefer it 😉

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Monstrous fun in Reddit /Atheism/

A meme breaks out in the Atheist subreddit of Reddit around giant symbols of religion. The titles are simply hilarious.

The reddit religious monstrocity memeThe titles of the posts speak for themselves really

And last but not least

Ah, reddit memes. How fun they can be!

Update: Honorary mention: His Noodly Appendage Is The Only Just God Hovering Over Gaza

OMG! Another epic internet moment.

In response to a news article about a family that named young son Adolf Hitler (!)

This happened to me: my parents, old-time lefties, named me “Karl Marx” — they apparently thought it would not be a problem, as society seemed to be moving into a groovy, understanding time (late 60s). They, uh, thought small-mindedness was a transient cultural trait, as opposed to an enduring human characteristic, particularly among junior-high kids.

Boy, were they ever wrong! It took a few years, particularly because we — duh! — moved to rural Idaho in the interim, but around 5th grade the other kids figured it out, and I was cooked. History class was always brutal, and there are probably hundreds of school yearbooks with a hand-drawn bushy beard obscuring my face.

It got easier in high school, as it was kind of an edgy name, but at age 17 I rushed over to the county court and changed my name. I made my father pay the court fees, for obvious reasons.

The younger Karl Marx
Image via Wikipedia

In response to a news article about a family that named their young son Adolf Hitler (!) a redditor leaves the following comment of his own tragic experience:

This happened to me: my parents, old-time lefties, named me “Karl Marx” — they apparently thought it would not be a problem, as society seemed to be moving into a groovy, understanding time (late 60s). They, uh, thought small-mindedness was a transient cultural trait, as opposed to an enduring human characteristic, particularly among junior-high kids.

Boy, were they ever wrong! It took a few years, particularly because we — duh! — moved to rural Idaho in the interim, but around 5th grade the other kids figured it out, and I was cooked. History class was always brutal, and there are probably hundreds of school yearbooks with a hand-drawn bushy beard obscuring my face.

It got easier in high school, as it was kind of an edgy name, but at age 17 I rushed over to the county court and changed my name. I made my father pay the court fees, for obvious reasons.

On every tax form, university application, and — most humiliating — job or credit application, I am required to put “Karl Marx” as a previous name, for background checks. Thanks Mom & Dad!

Other than that, it’s just a family joke these days, and even my high-school classmates have tired of it at reunions.

–Joseph Stalin

You sir, win 1 – nay – a 1000 internets!

I LoLed.

Yet another reason why I hang out at Reddit.

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Reddit helps you show what is best on your site

Once again reddit innovates

Now you have the ability to show all the posts of your domain which have been submitted to reddit and sort them by the best. That way new visitors have a quick way to find out what is best to read first.

Along with things like AideRSS’s top posts widget (mine you can see on the top slidebar) you can put your best content, by popular vote, to the forefront. Unfortunately AideRSS does not update as soon as I’d like so it’s good to have the alternative of reddit.

Another good addition from reddit is that you can now customise the colour of your buttons. Finally I can add it to my own webpage and have it fit. This is my classic problem with widgets in that they never fit my dark colour scheme. The Alien needs some antialiasing work I think but generally it looks good.

To tell the truth, I really wanted to the button to be on the botton right of the post so that people can use the buttons once they’re finished reading the article but there was no realistic way to do it. Putting the button after the content meant that it fell next to the similar posts and bunched them up (which I didn’t like). Using the css “position” property I could move it a couple of dozen pixels upwards to have it within the content but unfortunately the word-wrapping did not follow it and thus it just ended up obscuting the text.

If anyone has any idea on how to achieve this without having to manually put code in the content each time I’d love to hear it.

Ah, I forgot to mention that you can also put something nice in your sidebar to show others what you liked

Enjoy 😉

The Internet has a well known liberal bias

The other day while I was browsing through the articles linked from The 5 stage of Republican Grief and reading the bugfuck crazy comments, I came to the realisation that I just do not see this kind of inanity in most of my online activity.

But why is that? Why is the conservative presence so limited in most of the online nexus points? Not only will you very rarely find sentiments such as those expressed in popular news sites like digg and reddit, not only will you rarely find them in online fora and commenting on random blogs, but when they do come up, they’re immediately striken down in flames either through rebutals or downvoting, which just shows how much in the minority such commenters are.

My take on this is that they simply cannot survive in this world. The reason for this I believe lies in the following

1. Conservatives are, well…conservative.

As a result they have not started using the internet as much as the more progressive members. They were late to get online, late to start doing anything other than surfing&emails and the last to go social. As a result most places are already filled with progressive regulars ((Not to mention that because of the distributed and geeky nature of the Web, most of the early adopters are liberal and…Geeks)) and when a conservative attempts to take part, they are skewered. This of course turns them off and they slither back into the depths from which they came which of course does not allow a critical mass of them to gather and start shifting pushing the status quo.

Many, I’m sure choose to lurk instead where then, in combination with the Libertarians (see below), they have a chance to make themselves heard on specific topics.

2. The internet is an extremely toxic environment.

The conservative mind is a sensitive beast. There is a profound sense of denial necessary to avoid cognitive dissonance when you are not only a fundamental christian but you consider that the Bush regime was doing a damn good job.

Reality has a well-known Liberal Bias
Image by oztenphoto via Flickr

As the saying goes, reality has a well known liberal bias and as the internet does not have the strict filters this denial requires, so does it. As a result, the hapless conservative is assaulted on all sides by information conflicting his preconceptions. Not only do they have to dodge surprise buttsex Daily Show videos and ridicules of their personal zombie saviour, but whenever they so much as open their mouth to protest in an online dialogue, they are shortly refuted, to say the least.

Indeed, there is precious little a conservative can do when the hard facts are staring them in the face and there is no Fox Network to hide or twist those uncomfortable truths. As an extra bonus, because of the dynamics of online conversation, it is not unlikely for someone to take the time to educate the unfortunate conservative which further shakes his psyche.

Since it is pretty much impossible now to both deny reality and muster the presence required to “detoxify” the online environment (see point 1), the conservatives prefer to simply huddle together in their own little corners of the internet, where they can preserve their groupthink.

There is not better example of this point than the creation of Conservapedia which happened because the disorganized nature of Wikipedia and the liberal nature of reality meant that Conservatives either had to avoid using an online encyclopedia or suffer more cognitive dissonance.

3. They are suddenly in a very small minority.

Whereas in the USA the Conservatives have roughly half the population (or at least are vocal enough to seem this way) online, where location is meaningless, they suddenly find themselves very, very lonely. They cannot even expect support from conservatives of other cultures since:

  1. They usually have wholy different values.
  2. Conservatives of other countries would be considered liberal for U.S. American standard. It is not simply a joke when people say that in the US you do not have left and Right but only the Right and the Extreme Right. For everyone else outside the US, it definitely seems that way. Your Obama would probably be quite capable of leading the Right party of any European country without batting an eyelid.

Thus, not only do the conservatives have to argue against their own countrymen who happen to be liberal, but they have to tackle with the liberals of other countries who they must think are like the extreme fringe left. I sometimes get the impression that if I ever had to discuss with such a conservative, their Left/Right compass would not have any position left for me except than outside the range.

They are in a way a bit fortunate that most of the world does not speak English as then they would have seriously have been the footnote in this story. Unfortunately for them, there are enough English speakers from many countries to seriously outnumber them.

The only thing somewhat pushing the conservative agenda is…you guessed it

The Libertarians

It is a well known fact that most Libertarians are only by name. Like true game theory defectors they declare loyalty to the Libertarian party but come election day, they cast their vote for Republicans as they promise to cut taxes ((for the rich)) and let them keep their guns. They conveniently ignore how the Republicans end up doing the opposite of what they say and have subsequently expanded the Government more than ever before, which for a Libertarian should have been anathema.

Nevertheless, because they are committed to the Republican ticket, they feel the need to defend their choice whenever they can. They will thus attack the Government tactics when it is going against their libertarian stances (Drugs, Abortion, Religion)  but  defend it when it reduces taxes to the rich, cuts healthcare and welfare etc, even if all of this is against their own hide.

The only thing saving them is that because they lack true faith in the Regime and they also tend to be more liberal in their faith (if not outright irreligious) they suffer much less of a cognitive dissonance and can much more easily take part in the social networks.

And this is of course the only way the Conservative agenda can ever appear. The Libertarians are generally active because they can, while conservatives probably just lurk around for fear of the intellectual smackdown. When however a topic where their two worldviews merge appears, they can combine their voices and votes and downvote the opposition effectively. Thus the reason why libertarian topics happen now and then to bubble up to the surface.

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A chain reaction of popularity

It seems that someone noticed what I wrote about reddit:atheism and decided to submit all his posts to reddit [1. UPDATE: It seems he didn’t submit all of them after all. I just noticed he’s been mainly submitting his own posts on reddit for a while (that pop whore) and didn’t notice the dates. Just ignore the “all” 😉 ] which led to one of them being resubmitted to digg which ended with their server going b0nkers.

It was at this point that one wonders “Where the hell is your supercache” :P. I could practically hear in my mind’s ear, Adrian going “Hooooooooly Shiii-“

Well, at least now you know how useful submitting your better posts to reddit can be 😉

PS: I’ve said it before and I’ll say it again: Goddamn pop-posts getting dugg and then getting as many hits in one hour as I get in one month. It’s not fair I tells ya! [/rant]

The Reddit Community and Why It's Useful for Freethinkers

So you’ve used the reddit voting system, you got some hits and you love the minimalism of it. By now you may have even gotten a post on the front page by which point you may have noticed quite a lot of comments, a lot of them inane, while others are long-winded. Should you care or pay attention if they’re not commenting on your own blog?

They’re talking about your thoughts and opinions aren’t they?

If you’re like me, and your main purpose in blogging is to spread your knowledge and replicate your ideas in other minds, comments are your bread and butter. There’s nothing else I give more credence to, than receiving comments (well, receiving trackbacks is also nice) and apparently the reddit community is more than happy to do just that.

The reason why so many people comment on reddit, instead of your own site is the same reason reddit is attractive in the first place: Ease of Use. It is much simpler for a logged in redditor to leave a comment on the story link than to leave in the comments of a blog. This just reinforces my impression that comment usability is important.

Just compare how many comments Vjack’s latest (excellent) post has received, compared to how many are under the reddit story and you will see what I mean.

Another useful feature of reddit is that it makes it easier for people to continue a conversation once someone replies to them. It is not as good as getting an email as with Intense Debate, but as soon as someone visits reddit, they will be able to see that they have a new message, which is really the direct reply to a previous comment. This really keeps the conversation flowing, unlike a blog where unless someone subscribes to the comments, they will most likely forget. If you want people to pay attention to your writing, you have a chance to make them pay attention there 😉

Some may have some reservations about the quality of the comments that one may find in reddit. I’m glad to say that from personal experience, the maturity level of the redditors is quite higher than, say, digg. Not ony do you find great commentary but if you’re lucky, you can get some instant blogging material as well 😉

As you’d expect, comments can be voted as well. This has the effect of making the least liked comments drop to the bottom while having the more insightful ones immediately visible. Very good for avoiding trolling and finding the interesting stuff to reply to.

“What about Karma?” I hear you ask. Well, in reddit’s, it’s not a case of a silly woo-woo belief in metaphysical retribution but it is a semi-accurate representation of a user’s activity and success in reddit. You get rated both on the quality of your comments and your posts. It’s not really important but it’s nice to see increase.

One final thing, relating to the various subreddits. What I have noticed in the Atheosphere is that generally the same news keep being recycled over and over. At some point one can always read so much about Crackergate, pedophile priests and whatnot. Using the various subreddits to subscribe to the things that interest you will not only allow you to increase the various subjects you might write about but it can help you posts your articles in various categories and reach a wider audience.

Sometimes it is worth hearing opinions outside our limited circle of the Godless.

How to use Reddit:Atheism and Increase your Readership

As I have taken recently a bigger interest in my blogging methods I have started paying a bit more attention to what services work and how. I have taken a special interest in what is related to Atheism and how the Atheosphere (which I’m hoping you’re a part of) can utilize them to increase our visibility.

To this end I wanted to raise your attention to the Atheism subreddit which has gone live a short 6 months ago, shortly after the creation of custom reddits was implemented. Within that short time it has acquired more than 15K subscribers which, if you consider that the most any subreddit has is 53K is pretty impressive.

Some of you may wonder how reddit:atheism has achieved this significant amount of users when The Atheist Spot is still struggling to get more than 5 votes on any individual post. The answer lies in usability.

Reddit is really simple and really minimalistic. Most things take just one click to achieve and you’ll be hard pressed to find anything requiring more than two of them. Indeed, a lot of care has been put to create widgets and bookmarklets that make voting and submitting as quick and painless as possible for logged in users.

How does this simplicity help?

First of all, as a simple reader you can just grab the bookmarklet(s), (put them in a folder if you want) and once you’re in an article worthy of your interests (not just atheism) just vote it up. If it’s on reddit you’re just told that it’s voted (without leaving the page!) and if it’s not, you can submit it with an extra click. How easy is that?

Contrary to digg (and clones) you don’t have to type a description or check for duplicates and pass through a 10 step process to submit. The only thing you need is the url and title which are automatically grabbed. If you have your favorite subreddits selected, the choices of where to submit are one of them, which make it a breeze to send to where it belongs.

As a blogger, all you have to do is grab one of the widgets and put it in the area of your choice. You can see mine on the sidebar under the “popularity” header. Not only does this allow your visitors to vote up/down and see how popular a post is but they (if they are good an loyal readers 😉 ) can submit it with an extra click of the mouse. There’s practically no reason not to have the widget somewhere.

How about increasing readership?

Until now I considered Stumbleupon one of my better referrers as I would get at least a 100 hits per time one of my articles was stumbled. However after using reddit for a while now, I think there’s a new contender. Since the 7th, I have had five of my posts sumbitted on reddit, of which just one passed 5 votes (none passed 20) and I still got almost 600 unique visitors and my subscibers increased by 1/3. Compare that to Stumbleupon in which I had five posted since the middle of July and it still only barely managed to exceed 600 hits.

To be fair, Stumbleupon had a much lower bounce rate but I was pretty much testing the waters in reddit and submitting anything. Which leads me to my next point.

Submitting

As I said above, my submissions above ended up with me just getting downmodded quite aggresively. Even the post I assumed would do well barely got 5 points. It became obvious that the reddit crowd is quite opinionated.
To tell the truth, I still haven’t found the winning formula (impossible in 2 weeks) but I have noticed that news usually hit the top but insightful posts tend to do quite well. This is good news for people like me who generally don’t just repeat the same content over and over. Hell, even my interview did ok.

One good tip is to provide some kind of image for your posts. As reddit grabs an image automatically, it usually grabs the first image in the page. If you don’t have a header image like me, the first one is usually the article related pic which should hopefully be related to your content. From personal experience I find that images tend to attract attention.

There are two other good things about submitting in reddit however.

1. You can submit to more than one subreddit at a time.

While news tend to do good in Atheism, in the small cousin subreddit of Freethought, blogposts and opinions tend to do quite well. If you submit to both and someone votes from your site or with a bookmarklet, both will rise in votes.

If you write something that might be of interest to different crowds (say, Atheists and Bloggers) you should submit to all the appropriate categories.

2. New posts are not hidden away

It is a classic problem in Digg and Atheist Spot (for me at least) that when one submits a new post, that is hidden away in a special tab reserved for upcoming stories. This means that unless your topic happens to hit the front page by the few(er) that view these submissions, you’ll rarely see any referrals.

Reddit does this differently, when a new post is sumbitted, it appears without a rank on the front page and can be voted up and down. Once some time has passed, the rank appears and you can see how well it does. This hiding of the rank and appearing on the front means that even if you get downvoted by the various trolls that lurk in reddit, you can still get some views and hopefully catch up.

Another interesting thing is that the front page is not just the top posts but rather the order is decided by time and votes. Thus, as time passes, a post starts dropping and can only be buoyed up by getting voted on. Eventually there’s no one else to vote and it drops off, but until then it’s quite possible for a post to hang around in the middle of the page for a day or so, even with less than 10 votes. For blogs where we might get our normal visitors over the span of two or three days this is especially useful.

Solidarity

As I mentioned above, there are troll that lurk in reddit and opinions can differ quite a bit and as a result we may need at least a bit of solidarity as Atheobloggers. I make it a habit now to always vote up articles of bloggers where the widget is displayed (and the article is voted), unless I outright disagree. The more of us that register and do this, the better all of us will do. Since voting up is so quick & simple, I don’t see why we shouldn’t.

To be continued…

This post is starting to get a bit long winded with all the things I want to say so I’ll stop here. Look for the next (and hopefully last) part of this series where I’ll explain how the commenting system of reddit gives some unique opportunities for extended dialogue, the fun of memes, karma, maturity and various other little tidbits.

Quote of the day: Non euclidian IKEA

If the image wasn’t funny enough by itself, the quote kills me.

If the image wasn’t funny enough by itself, the quote kills me.

– Hello, Ikea help line? I can’t put my bæd together, the optical illusion wasn’t in the box.
– Ah, that happens a lot with our non-euclidian R’lyeh product line. Hold on, I connect your with our dedicated support.
– Ia, Ia ! Cthulhu ftaghn ! Ph’nglui mglw’nafh Cthulhu R’lyeh wgah’nagl ftaghn ?
– Damn Swedish.

Somebody hand this redditor a beer.