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Happy goat

A live, healthy goat serves as a source of milk and income for a poor family. In addition to milk, the goat can have kids and eventually make a herd, which will help support a large family. Thanks to the Real Gift campaign, we are able to purchase goats for families in Congo, Afghanistan and Sri Lanka.

By purchasing a Real Gift certificate you will support our LIVELIHOODS program.

See below for the preview of our Real Gift certificate, read what a goat has done for one recipient family, or watch the video about how a Real Gift helps.

€ 36,00

By purchasing this certificate you will contribute to the aid program LIVELIHOODS.

Proceedings from the LIVELIHOODS program are used to help people start out on their own. We help particularly those individuals who lost their livelihoods or are unable to support their families because of a natural disaster or war. Fishermen receive canoes and fishing nets to enable them to get back to fishing. Farmers are provided with sheep, cows or agricultural equipment or seed stock. Finally, we hold training courses for those who are starting a new trade.

Our aim is to help people achieve economic independence for themselves. We have neither the intention nor the ability to provide long-term support once individuals and their families are in a position to support themselves. Thanks to LIVELIHOODS projects, these people are able to stand on their own two feet again.

 

In the southeast of Congo, the province of South Kivu was affected by a long war conflict. We help the victims of sexual violence in this are. In May 2011, we distributed goats to ten women. The goats will provide the women with a stable income, which will enable them to pay for their living expenses as well as to help others. The distribution is a part of a broader project to help improve quality and availability of medical and psychosocial care to raped women.

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Angola went through a long civil war, which left most of its inhabitants in absolute poverty. People in Need has been working in Angola since 2006, especially in the most affected and impoverished province of Bié. Here, we implement programs focused on providing help to small farmers and education to children.

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Goats provide us with livelihoods

"I'm 42 years old, which is quite an old age in Namibia. I heard that the average age that people live to in our country is only 47. I live in the village of Blouwes, which lies about 25 km away from the road between the capital Windhoek and the capital of our region Keetmanshoop. We go shopping there every fortnight because there is only a very small shop with a limited range of food in our village. There is desert all around us, so it's really difficult to grow anything.

I'm a member of a self-help group called Ma/gai I Dan. We try to help people living with HIV. HIV/AIDS is a big problem, especially in villages such as ours. There is no medical clinic and people who are HIV positive don't have access to antiretroviral drugs.

The biggest problem in our village is unemployment. I don't know anyone who lives here who has a job. Most people survive only thanks to the support they receive from their relatives living in other towns. Some also keep goats. However, keeping farm animals or growing vegetables is very difficult in the area where we live.

Unfortunately, my family has never had goats. And so I was really grateful when Gertrude Apollus from the Namibian People in Need organization appeared in one of our self-help group meetings. We discovered that, thanks to donors from the Czech Republic, our group could get 14 goats including one billy-goat. These goats will help us to provide for ourselves.

Ever since we received these goats, milk is no longer a problem. All the members of our group take turns taking care of the goats. Another great piece of news is that our goats are now pregnant! We are waiting for them to have their babies. We can sell them in the market and the earnings will help us provide for other necessities for our families. We know these goats will help us in the long run. Thanks to them, we'll continue to have milk and baby goats to sell for income."

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Donated goats with their new owners.

 


Children will also benefit from your gifts.

 

Keeping goats is a traditional source of livelihoods.

 

A typical dwelling of people living in poverty.

 

People in Need in Namibia

We have been working in Namibia since 2003 and we focus on HIV prevention and providing livelihoods for the poorest. Almost 20% of the inhabitants are HIV positive, the unemployment rate is almost 50% and the average life expectancy is only 50. Since December 2010, People in Need have provided support to poor people in villages by distributing goats through the local chapter, Namibian People in Need. So far, we have been able to provide donations to three self-help groups and three poor families. Each of them received 14 goats including one billygoat. Thanks to the help of Real Gift donors, we have been able to provide 90 goats in total.

Apart from delivering help to the poorest inhabitants, People in Need also provides support to HIV positive mothers. Our aid work entails psycho-social consultations, educational activities and the provision of baby food purchased with donated money.

In 2004, People in Need founded a sheltered workshop which employs HIV-positive women. Women from the workshop make hand-made products, which are sold in the local market or exported to the EU. Profits from the sales are re-invested in the running of the workshop.

Thanks to donated farm animals we have milk and can attend a school

Some goats and cows donated through the Real Gift campaign are now helping children in Congo. For 93 children living in an orphanage run by Mama Sifa, the goats mean fresh milk as well as providing an opportunity for children to attend a school.

The house for children in the village of Katana resembles a small farm. There is a low wooden building with a backyard, a shed, a country kitchen made of straw, and finally domestic animals, that contribute to a better life for the children. In the spring, they received five cows and ten goats from People in Need. “It's a huge help which provides children with part of their nutrition. We keep cows exclusively for milk which we use to make cheese and curd”, says Mama Sifa, pleased.

Running the whole house is dependent on the generosity of various donors “I'm trying to raise money wherever I can. Just to purchase food for children costs me $1000 a month so it's great that we have, thanks to the goats, fresh milk and cheese from our own production. Each child gets a bit and I sell the rest in the town which enables me to buy flour, rice, fish, fruit and vegetables which the children also need.“ says Mama Sifa.

“Of course we are going to try to ensure that donated cows have lots of calves so that we can sell them, while the goats we keep exclusively for breeding. We'd like to sell their kids and use the proceeds to pay for the school fees and food for the children. We have a piece of land and, apart from goats and cows, we also keep rabbits, hens and ducks. Children have to help with looking after the farm but only after they come back from their school,” adds the director of the orphanage.

Apart from the goats and cows being an irreplaceable source of food and income, the children also learn how to look after the animals—a skill they may need one day when they grow up and leave the gates of the orphanage to start looking for a job.

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Here, you can have a look at what your Real Gift will look like. You can click on the previews of the printed  and electronic gift certificates below. The picture will be enlarged so you can take a better look at it.

The greeting in red on the certificate preview will not appear on your Real Gift Certificate. Instead, you can write a greeting yourself on your printed certificate  when you receive it by post. For the electronic certificate, you will have this option in  your basket.

Preview of electronic certificate

Preview of electronic certificate Preview of electronic certificate

Evaluation and comments

 

Comments

Leandro 1.5.2013 02:36 5

I purchased a 2005 Kia Sorrento from Lehman Mazda in Miami Dade on June 28th 2007. The loan aonumt was $16,710.05 which was financed for 72 months at an interest rate of 18.23%. The agreed monthly payment was $386.16. The nature of my complaint is that the finance company has a policy that if you are more than 10 days past your due date than by some computation they penalize the customer by applying the payment towards interest rather than principal depending on how late the payment is when received. My due date is on the 12th of every month. I am a 100% SERVICE CONNECTED veteran and I receive my compensation payments on the first of every month. Unfortunately, due to tight personal finances I have been authorizing a debit to my checking account on the last day of the due month and no later than the first day of the following month. Therefore my payments are being made within a 20 day span of the due date. However this has caused my outstanding principal balance to remain inordinately high compared to the funds that are debited to my account. I mentioned to AmeriCredit’s' customer service department on many occasions that my balance did not seem to be declining in accordance to my payments remitted. It was explained to me at that time that the further that I got along into the loan the more funds that would be applied to my principal. That seemed logical to me and I did not pursue the issue further. However my suspicions arose in May of this year 2010. In March of 2010 I received a phone call from an Americredit representative who informed me that I was going to be offered some type of payment extension on my account. She informed me that she was evaluating my records and she noticed that I was paying late on my account. I told her that due to the state of the economy I was having a difficult time and she offered me a payment extension. She informed me that she would be applying a portion of my March payment toward some type of fee and then I would not have to pay on my account again until June 12th 2010. I was pleased to be informed of this and I agreed. In May of 2010 I received a call from the company's customer service department informing me that I was past due on my account by several hundred dollars. I told the representative that I was under a payment extension and they told me that I was not. After several heated discussions I relented and payed the aonumt requested. It was at this time that I decided to carefully scrutinize any further transactions with the company. It became apparent after that scenario that something was not quite correct with the company's policies. I continued to make my payments at the end of each month since then but I have been paying close attention to my outstanding principal balance. As of March 31st 2010 the outstanding principal balance on my account was $12,199.25. As of October 29th 2010 the outstanding principal balance of $11.381.96. When I called to submit my payment in November of 2010 I had asked for a breakdown of my late fees as they were accruing every month. According to my statements I was being charged approximately $19.31 per month for paying my loan 19–20 days past the due date. I then asked the representative to explain why my outstanding principal balance was so high even though I have remitted payments every month. She explained that she could send me a loan payment history of my account that would explain all of my questions in detail. I then authorized as was the norm a payment of $405.00 plus the $10.00 Western Union fee. On December 13th 2010 the payment history arrived in the mail. I was definitely concerned when I started to read it because it was very confusing. On some months the entire payment would be applied to interest with zero going to principal and other months would be vice-versa. The main thing that I noticed about the accounting was that it was highly inconsistent. Following is a breakdown of my account as of 03/31/10. PAYMENT DUE DATE 03/12/10 EFFECTIVE DATE 04/01/10 TRANSACTION DESCRIPTION: Payment Extension PRINCIPAL PAID:.00 INTEREST PAID: 154.46 LATE FEES ASSESED: .00 LATE FEES PAID: .00 TOTAL: 154.46 OUTSTANDING PRINCIPAL BALANCE: 12,089.14EFFECTIVE DATE: 05/24/10 TRANSACTION DESCRIPTION: Late Fee PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESSED: 6.98 LATE FEES PAID: .00 TOTAL: 6.98 12,089.14EFFECTIVE DATE: 06/23/10 TRANSACTION DESCRIPTION: Late Fee PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESSED: 20.79 LATE FEES PAID: .00 OUTSTANDING PRINCIPAL BALANCE: 12,089.14April May of 2010 are very confusing as they have many entries regarding the payment exrension that the company denies ever offering)PAYMENT DUE DATE 04/12/10 EFFECTIVE DATE 01/29/10 TRANSACTION DESCRIPTION: payment PRINCIPAL PAID: 90.80 INTEREST PAID: .00 LATE FEES ASSESED: .00 LATE FEES PAID: .00 TOTAL $90.80 OUTSTANDING PRINCIPAL BALANCE 12,514.27EFFECTIVE DATE: 02/23/10 TRANSACTION DESCRIPTION: Late Fee PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESED 14.77 LATE FEES PAID .00 TOTAL: 14.77 OUTSTANDING PRINCIPAL BALANCE: 12,514.27EFFECTIVE DATE: 02/23/10 TRANSACTION DESCRIPTION: Late Fee Waive PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESED: 14.77– LATE FEES PAID .00 TOTAL 14.77 OUTSTANDING PRINCIPAL BALANCE: 12,514.27EFFECTIVE DATE: 03/23/10 TRANSACTION DESCRIPTION: Late Fee PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESED: 19.31 LATE FEES PAID .00 TOTAL 19.31 OUTSTANDING PRINCIPAL BALANCE 12,514.27EFFECTIVE DATE: 03/23/10 TRANSACTION DESCRIPTION: Late Fees Waive PRINCIPAL PAID .00 INTEREST PAID: .00 LATE FEES ASSESED 19.31– LATE FEES PAID .00 TOTAL: 19.31 OUTSTANDING PRINCIPAL BALANCE:12,514­.27EFFECTIVE DATE: 03/31/10 TRANSACTION DESCRIPTION: Payment PRINCIPAL PAID: 68.45 INTEREST PAID: 226.81 LATE FEES ASSESED: .00 LATE FEES PAID: .00 TOTAL 295.36 OUTSTANDING PRINCIPAL BALANCE: 12,445.72EFFECTIVE DATE: 03/31/10 TRANSACTION DESCRIPTION: Late Fee Rev PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESED: .00 LATE FEES PAID: 110.11 TOTAL: 110.11 OUTSTANDING PRINCIPAL BALANCE: 12,445.72PAYMENT DUE DATE: 05/12/10 EFFECTIVE DATE: 03/31/10 TRANSACTION DESCRIPTION: Payment PRINCIPAL PAID: 246.47 INTEREST PAID: .00 LATE FEES ASSESED .00 LATE FEES PAID: .00 TOTAL: 246.47 OUTSTANDING PRINCIPAL BALANCE: 12,199.25EFFECTIVE DATE: 03/31/10 TRANSACTION DESCRIPTION: Late Fee Rev PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESED: .00 LATE FEES PAID 110.10 TOTAL: 110.00 OUTSTANDING PRINCIPAL BALANCE: 12,199.25EFFECTIVE DATE: 03/31/10 TRANSACTION DESCRIPTION: Late Fee Paid PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESSED: .00 LATE FEES PAID 110.10 TOTAL 110.10 TOTAL OUTSTANDING PRINCIPAL BALANCE: 12,199.25EFFECTIVE DATE: 03/31/10 TRANSACTION DESCRIPTION: Late Fee Rev PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESSED: .00 LATE FEES PAID: 110.11 TOTAL 110.11 OUTSTANDING PRINCIPAL BALANCE: 12,199.25EFFECTIVE DATE 03/31/10 TRANSACTION DESCRIPTION: Payment PRINCIPAL PAID: 110.11 INTEREST PAID: .00 LATE FEES ASSESSED:. 00 LATE FEES PAID: .00 TOTAL 110.11 OUTSTANDING PRINCIPAL BALANCE: 12,089.14PAYMENT DUE DATE: 06/12/10 EFFECTIVE DATE: 06/30/10 TRANSACTION DESCRIPTION: Payment PRINCIPAL PAID: .00 INTEREST PAID: 415.74 LATE FEES ASSESSED: .00 LATE FEES PAID .00 TOTAL: 415.74 OUTSTANDING PRINCIPAL BALANCE: 12,089.14PAYMENT DUE DATE: 07/12/10 EFFECTIVE DATE: 06/30/10 TRANSACTION DESCRIPTION: Payment PRINCIPAL PAID: 252.45 INTEREST PAID: 133.71 LATE FEES ASSESSED: .00 LATE FEES PAID: .00 TOTAL: 386.16 TOTAL OUTSTANDING PRINCIPAL BALANCE: 11,836.69EFFECTIVE DATE: 08/23/10 TRANSACTION DESCRIPTION: Late Fee PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEES ASSESSED: 19.31 LATE FEES PAID: .00 TOTAL: 19.31 OUTSTANDING PRINCIPAL BALANCE: 11,836.69PAYMENT DUE DATE: 08/12/10 EFFECTIVE DATE: 09/01/10 TRANSACTION DESCRIPTION: Payment PRINCIPAL PAID: 13.71 INTEREST PAID: 372.45 LATE FEES ASSESSED: .00 LATE FEES PAID: .00 TOTAL: 386.16 OUTSTANDING PRINCIPAL BALANCE: 11,822.98PAYMENT DUE DATE: 09/12/10 EFFECTIVE DATE: 09/01/10 TRANSACTION DESCRIPTION: Payment PRINCIPAL PAID: 386.18 INTEREST PAID: .00 LATE FEES ASSESSED: .00 LATE FEES PAID: .00 TOTAL: 386.16 OUTSTANDING PRINCIPAL BALANCE: 11,436.82EFFECTIVE DATE: 10/23/10 TRANSACTION DESCRIPTION Late Fee PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEE ASSESSED: 19.31 LATE FEE PAID: .00 TOTAL: 19.31 OUTSTANDING PRINCIPAL BALANCE: 11,436.82PAYMENT DUE DATE: 10/12/10 EFFECTIVE DATE: 10/29/10 TRANSACTION DESCRIPTION: Payment PRINCIPAL PAID: 54.86 INTEREST PAID: 331.30 LATE FEES ASSESSED.00 LATE FEES PAID: .00 TOTAL: 386.16 OUTSTANDING PRINCIPAL BALANCE: 11,381.96EFFECTIVE DATE: 10/29/10 TRANSACTION DESCRIPTION: Late Fee Paid: PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEE ASSESSED: .00 LATE FEE PAID: 157.19 TOTAL: 157.19 TOTAL OUTSTANDING BALANCE: 11,381.96EFFECTIVE DATE: 10/29/10 TRANSACTION DESCRIPTION: Late Fee PRINCIPAL PAID: .00 INTEREST PAID: .00 LATE FEE ASSESSED: 19.31 LATE FEE PAID: .00 TOTAL 19.31 OUTSTANDING PRINCIPAL BALANCE: 11,381.96PAYMENT DUE DATE: 11/12/10 EFFECTIVE DATE: 12/02/10 PRINCIPAL PAID: 192.87 INTEREST PAID: 193.29 LATE FEE ASSESSED: .00 LATE FEE PAID: .00 TOTAL: 386.16 OUTSTANDING PRINCIPAL BALANCE: 11,189.09(18.84 to be applied to 12/12/10 payment which will be debited 12/31/10) OUTSTANDING PRINCIPAL BALANCE: 11,170.25Upon reviewing the payment history of my account with Americredit I contend that the company's practice of applying principal and interest payments based upon the days that the customer is pass due causes unfair and unethical financial harm to their customers. It is also confusing as to how the principal payments and interest payments are applied to the account when the payment is received. Since the company already has a late fee penalty in place for any late payment that surpasses their ten day grace period, the company's customers are being penalized in a way that can cause them to pay exhorbiant fees and penalties which can cause the customer to be indebted to the company for a period much longer that initially agreed upon when the debt was incurred.When I contacted the company twice today I was informed that the factor that determines how much of the payment is applied to the principal is computed by the aonumt of days late. Since I generally remit my payment within 20 days of the past due date I am unable to see any consistency to where my payments are being applied. When I contacted the company for a second time today I was told that I should pay my bill on time and there would not be any problem. I then asked if I could change my due date and was told that was not going to happen. I then asked the representative if there would be a point of time when the interest owed on the account would be considered paid and then would my payments be applied to the principal. I was told that was not their policy either. I then explained that based on this policy I could be paying this note for a lot longer than the previously agreed upon terms and he said that is the way that it is.I find this whole situation to be unsettling and it would be fair to any customer of any finance company in the United States to know exactly where they stand when the remit a payment for a debt.I have tried to be as clear and concise as possible. My full payment history is available upon request. My bank records are also available as well. Any assistance and feedback on this matter will be greatly appreciated.With kind regards,Timot­hy Mathis

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You should be able to. When I lived in NY I had State Farm for my car icrnsaune, quite a good company. They were always very helpful and very on the ball. Should be no problem to change the way you pay your premium, they'll just break it down for you. Good luck.

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Nur 21.8.2013 13:31

Hi Brittany: I am looking to share a room also. I alradey have a room reserved for Thursday and Friday and would be open to sharing it with you. Let me know. Thank you, Annie

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