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Switter’s World's avatar

1. Insects of note. For me, it's putsi flies and chungalolos. When we moved first moved to Africa, I marveled at the luxury of ironed socks, underwear, Levis, and t-shirts. Then I found learned that it was not about luxury, it was about killing putsi fly eggs deposited on your solar dried laundry. unexpectedly, I developed what I thought was a zit on my waist. TG;DR (Too Gross; Don't Read) version? I witness from a front row seat as the guest of honor the birth of a maggot. Warning: if the mental image lasts longer than 4 weeks, please seek professional assistance.

Chungalolos are 6"ish millipede things the color of rootbeer, and if stepped upon barefooted at night, feels like crushing a cross between a Cheeto and a Twinkie. I watched in stunned, unblinking horror as a toddler picked one up and ate it in front of me, smiling angelically the whole time, as she sat on the dirt floor at my feet in a little village church. See warning information above.

2. Dave's Bank. In my trade, we call a Dave's Bank a micro-credit bank. Of all the program sectors I worked on during my tediously long career, the most sustainable and life changing programs of all were well run micro-credit banks. Poor people aren't often poor because they are stupid, they are poor because they don't have access to resources, including education and credit, some of us take for granted. I stopped at Trader Joe's last night and took out an $11 loan with no hassle. It's not that easy in most parts of the world. Micro-credit is there to change that bias. There are many different approaches to poverty lending, but the method I'm most familiar with involves people forming small groups to jointly secure a loan for one of the group members. When that loan is repaid, the next group member is eligible for a loan. In addition to going a group, a borrower must show what the loan proceeds will be used for and how they plan to repay the loan. Defaulted loans are almost nonexistent.

I watched small businesses start and flourish because of small loans. I know of small scale farms that increased their productivity and profitability. I know of small loans used to pay for family emergencies or necessities, including school fees, for money that otherwise would be borrowed from local loan sharks at exorbitant rates. I know there are a few micro-credit programs in the US, based on variations of the model I described above, because with all the bank consolidations, the local hometown banks where the banker knew the people in his community are a thing of the past. The new banking model of high profitability over community access pushes too many people toward title loans and payday loans.

Hurray for Dave. He understands how to make his wealth a blessing to many people. In an ideal world, there would be a lot of Daves.

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Ororo Munroe's avatar

Well, hello fellow Arizonan. Welcome to the Land of Scorpions and Snakes. LOL I live with my parents in Laveen and before they started building more homes across the road from their subdivision, it was a cotton field. Yes, they have black light flashlights. I think it should be a requirement here. When a new house is built, the realtor should give you a black light flashlight as a housewarming gift. LOL "They call me The Flashlight Cowgirl." <snort-laugh>

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