Muhammad Yunus is the man behind the microfinancing concept. Yunus is a Bangladeshi economics professor who saw what poverty was doing to ravage his home land. People all around him were struggling because they were in debt to loan sharks by as little as $25. Banks don't make loans that small, so loan sharks would take advantage of would-be entrepreneurs.
Muhammad Yunus founded the Grameen Bank to help fund these microloans, and for his efforts, he was awarded the Nobel Peace Prize in 2006. In 2004, Jessica Flannery saw an announcement from Stanford University that Yunus would be in town to speak one Wednesday night, so she convinced her (then) fianc Matt to attend with her. The decision would change their lives forever.
At that time, Matt was working for TiVo making software. He had never heard of microfinance, but decided to attend for Jessica's sake. What the two of them heard started the wheels spinning in their minds. They knew there was something big to be done. For a year, they brainstormed about how to get Kiva off the ground.
During the first year of their marriage, Jessica spent several months in Africa. Matt decided to join her, and he was amazed at what he saw. It's common for Americans to get million dollar loans to start a business, but in the poorest parts of Africa, people need more like $100. With this money, they can become seamstresses, open bicycle repair shops, or provide food with a small retail store.
The drive to own a business and better your family's life is just as strong whether you're in a rich country or a poor one. Matt was an aspiring entrepreneur himself, so he immediately saw how much he had in common with the people he interviewed.
One night, after a year of brainstorming, Matt and Jessica were in America thinking about the people they'd met in Africa. They decided to jump on their idea by creating a website. They had already received quite a few negative comments from people, but it was their passion that told them Kiva would work.
Today, www.Kiva.org is more successful than anyone thought possible. Individuals around the world can lend as little as $25 to help people start a small business. There are profiles and success stories to help lenders choose. When the loans are repaid, lenders can keep their money or re-lend it to someone else. In two years, Kiva reached over 250,000 people with loans totaling more than $25 million.
Healing Laser Clinics recently celebrated it's 1 year anniversary in Lake Mary, FL, which is about 15 minutes from Orlando. Every member of Healing Laser Clinics is a past smoker of 20 years or longer. Every member has also quit smoking through the use of Low Level Laser Therapy so they understand what smokers are going through when they try to quit. After losing her mother to lung cancer, Melissa Morgan decided to finally quit smoking after 20 years.
She was unsuccessful in the past with patches, hypnotherapy, welbutrin, Smoke-Away and try to quit "cold turkey". She heard of a clinic in South Florida that offered laser treatments to quit smoking, and although very skeptical, went to the clinic with her boyfriend, Mark.
Mark, another smoker of 20 years was also extremely skeptical of the treatment. Melissa and Mark walked out of the clinic 45 minutes later and have never had a cigarette since.
Mark called his father, Ken, a smoker of 44 years about the treatment and recommended that he fly to Florida to be treated. Ken flew down later that month and stopped smoking immediately after treatment. They were all so impressed with their results that they spent all of their spare time and money studying laser therapy, photobiostimulation and nutrition.
Soon after getting certified, they opened a smoking cessation and weight loss clinic in Lake Mary. On opening day, Melissa dedicated the clinic to the memory of her mother, Judy Morgan.
Healing Laser Clinics has been treating people for smoking and weight loss ever since. Mark, Melissa and Ken love to help other smokers finally kick the habit and they have a sincere understanding of what the smokers are going through and how to help them with low level laser therapy.
LLLT is the application of a "cold" pure laser to treat certain conditions. It has been used to successfully treat many kinds of muskoskeletal injuries because it promotes healing and tissue repair. This therapy has been used in Europe and Canada for over 30 years and is now being introduced in the United States.
Low level Laser Therapy is currently approved by the FDA to treat carpal tunnel syndrome and is now under clinical trials by the FDA to determine it's effectiveness for treating smoking addiction by promoting the release of endorphins in the body. Endorphins are natural chemicals in your body that reduce stress and increase energy.
During a low level laser session, the cold laser is pointed at specific locations on your ears, face, hands and wrists. You may feel a slight tingling sensation, but most clients feel a calm sensation. It typically takes only 1 treatment to end your addiction but two free follow up treatments are offered.
In the past year, Healing Laser Clinics has treated many Orlando DJs including Shannon Burke, SBK and Bubba of 104.1 and Richard Dixon of 96.5. They have also treated many local business owners and hundreds of Floridians. They are recommended by doctors, dentists and mostly importantly by past clients who quit smoking with them.
Healing Laser Clinics takes smoking very seriously and will do everything within their power to help you break the habit. People drive from all over Florida to visit the clinic for assistance with smoking and weight loss. Healing Laser Clinics is minutes from Orlando, Longwood, Deland and Deltona but people drive from Ocala,
Panama City and even as far as South Florida to come in for the treatment. Healing Laser Clinics recently introduced a new weight loss therapy that take inches off immediately and burns over 1200 calories per session. The new therapy is the Formostar infrared wrap. The wrap heats the body up from the inside, shrinks fat cells and burns calories.
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Healthy Wealthy Nwise has sinced written about articles on various topics from Finances, Health and Health. has followed in the footsteps of Muhammad Yunus in creating loans for people in impoverished countries. Visit. Healthy Wealthy Nwise's top article generates over 49500 views. to your Favourites.
Marks has sinced written about articles on various topics from . About Author: Mark Marino smoked for 20 years and quit with laser therapy.He is now a happy, healthy nonsmoker who is committed to helping others.For more information, please visit. Marks's top article generates over 1300 views. to your Favourites.