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Kiva Lender Tom & Joy
Beltsville, MD, United States
I loan because:
Life has been good to us and we like to assist and share with others. We feel that our loans give enterprising people the chance to improve their lot in life and build a future for themselves and their families. We believe that this is a most positive way to help impoverished people and areas.
From another viewpoint, given the minuscule interest on idle money, it really costs very little.
Tom - Retired geologist but accepting occasional projects in earth sciences, energy, and minerals..
Joy- Retired music teacher occasionally substituting as church organist.
Both - Extensive volunteer activity tutoring disadvantaged young adults and working in local public library bookstore
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