text:
Gibraltar Government Publishes New Regulations Setting the Standard for Virtual Assets
Editor's Picks News Regulation
by Joseph Alalade April 28, 2022 April 28, 2022 0
The Hon Albert Isola, Gibraltar's Minister of Digital and Financial Services, stated in 2020 that Market Manipulation has become a growing problem among DLT companies.
The Gibraltar Financial Services Commission (GFSC) issued new guidelines addressing the distributed ledger technology (DLT) sector on Wednesday, April 27th, 2022.
According to a press release on Wednesday, the financial regulator for the British overseas territory announced this new regulatory concept, which requires distributed ledger technology providers to ensure the integrity of any market in which they participate. The announcement was also made on the country's official Twitter handle.
H.M. Government of Gibraltar has today published new regulations setting the standard for market integrity in the virtual asset space.
Full PR – https://t.co/Ntfli9Wc0y pic.twitter.com/tpSjgpVIDy
— HM Govt of Gibraltar (@GibraltarGov) April 27, 2022
The official press release reads;
"The new rule aims to set the highest standards for market integrity while recognizing the diversity of the assets and activities within the virtual asset space."
As a result, all crypto-related companies or providers are strictly expected to follow this principle, as it addresses a longstanding concern. According to a material published together with the policy, the DLT providers will need to implement measures to prevent, or mitigate the effects of any type of manipulation of prices, liquidity or market information and prevent employees from engaging in insider trading.
Market integrity is important for a fair, orderly, and efficient market, according to the government, and includes things like monitoring for manipulative trading and other forms of market abuse, high transparency standards, and strong consumer protection.
FTX, Huobi, and Bullish, which is sponsored by PayPal co-founder Peter Thiel, are among the big names in the industry that have set up shop in Gibraltar and secured licenses from local regulators.
Official Remarks
While making comments on the regulation, the CEO of the Gibraltar Financial Services Commission, Kerry Blight said;
"Since the introduction of the DLT regulatory framework in 2018, we have worked with government, specialist advisors, and industry to refine our guidance and ensure it is suited to this rapidly developing sector, providing both regulatory certainty to DLT providers and robust protection to their growing consumer base."
Notably, the General Counsel at Ava Labs and member of Gibraltar's Market Integrity working group, Lee A Schneider said; "Market integrity is the next frontier for digital assets regulation, so we naturally see the authorities in Gibraltar taking a leading role in defining the core concepts in a practical fashion that furthers the existing regulatory regime."
"It is great to see the standards for regulating the VASP space developing, and to see Gibraltar lead in setting standards, particularly when the FATF has cited market integrity and prudential requirements as factors that jurisdictions should consider when developing regulatory requirements for the space," commented Joey Garcia who co-led the working group.
However, Gibraltar maintained it will apply suitable anti-money laundering requirements to authorized DLT Providers that require it. "This is also in line, and ahead of, some of the proposed changes to the EU's Fourth Anti-Money Laundering Directive," it said.
Blockchain RegulationdltGilbraltar
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Huobi Incubator Partners with Celo to Stimulate Stablecoin Development in the Web3 Field
Afroz Ahmad April 25, 2022 April 25, 2022
RAKIB: the cryptocurrency Market has fallen off unqualified investors
Compound Finance – What is This DeFi Protocol and How Does it Work
mehdi January 5, 2021 January 5, 2021


We are storytellers of the greatest narrative on earth.
Your relationship with God is not dependent on how worthy you try to become. It is entirely based on how much you are worth to Him, and you mean everything to Him.


I have come across a problem when changing the stroke weight of a previously drawn line using the line tool or open path using the pen tool.
If a draw a straight line at an angle of say, 45 degrees with a stroke of 1pt, then change the stroke to 20pt the dimension of the line changes - it becomes smaller. The same thing happens with the pen tool when drawing an open path. Any ideas? It does not happen in Illustrator 10.03. I have tried copying a line from Illustrator as well but the same thing happens. I am using Indesign 2.02 on Windows 2000/XP.
if you observe the rectangle bounding box (your line is always inscribed at), you will see why this happens.
Do you have "Dimensions Include Stroke Weight" on or off? It's on the Transform Palette drop-down.
I have tried the option "Dimensions Include Stroke Weight" on and off without any success.
If I perform the same process via Indesign CS, as the stroke weight increases the rectangular bounding box compensates by enlarging, this allows the points of the line or path to stay in the same position. I think it is a problem within Indesign 2.02.
Doesn't it (v2.0.2) cause the vector to grow inward as you increase the stroke weight, versus out from the centerline in version CS?
In ID2.x under Stroke -> Weight changes Bounding Box, you do what you asked, if that is checked. Otherwise the line length depends on stroke weight (if at an angle different than 0 or 90 degrees) since it's always inscribed in the bounding box.
Shortcut for changing Stroke Weight?


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moglet
Real Name: viviane
i think it was accidental, i think she felt depressed and took quite a lot of pills then she forgot how many she had and took some more, but only god knows ...
MarilynForever86
Marilyn nut
Real Name: Elisha Bailey
I believe that it was semi-accidental-overdose-meaning she obviously must have either thought the pills wouldnt kill her or kill her so fast and thought she would be saved. I believe that no one could save her in time-I'm saying this because she tried to "do away with herself" and someone was able to get her in time...
I wish she left a note, or an indication. What I do know is that we will never know..and perhaps thats for the best.
Aug 5 2004, 07:58 PM
Real Name: Tammy
I have put other because i am really not sure what i think, i think my opinion changes sometimes, i really do not know what to think.
Sep 15 2004, 08:59 PM
♥ gipsy girl
From: Hamburg, Germany
Real Name: Janina
I do believe she was murdered and voted so. It was for sure a cover up and it had to do with the Kennedys. For me there was never a real investigation of her death. Maybe she had a disapointment with RFK and it was really something dirty and he wanted to calm her down and he hit her and she fall down and was death because of a broken back of the neck. I just said this (it could be so or not like 1000 other things could have been - everything are "could have been theories") but what I want to say is that the causes of her death are never cleared, they have never been researched well... to tell the world she had commited suicide was the "easiest way" to find a story in 3 or 4 hours... the autopsy didn't proofed the pill theorie but couldn't gave another solution either (or they didn't wanted)...
And really, why did the FBI still make files when books (*l (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/laugh.gif) l*) have been published more than 20years after her death? Don't they have other (more important) things to do?
This post has been edited by Nina: Sep 15 2004, 09:00 PM
SugarKane69
Real Name: Jessica dawn rose
(IMG:http://www.everlasting-star.net/boards/style_emoticons/default/niagarasing.gif) maybe she accidently overdosed, not knowing how many pills she was taking, maybe in a state of panic, or sadness, she unknowingly took too many pills, thats just one theory.... that poor beautiful woman, her life so tragic, just right out of shakespere. i just adore her so much..... (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/niagarasing.gif)
"Creativity has got to start with humanity and when you're a human being, you feel, you suffer"-M.monroe.
photo407.jpg ( 14.7K )Number of downloads: 85
QUOTE(Nina @ Sep 15 2004, 09:59 PM)
the autopsy didn't proofed the pill theorie but couldn't gave another solution either (or they didn't wanted)...
While I don't believe that she was murdered, I completly respect your opinion, but I have to disagree with this part of your post. The autopsy DID confirm that she died of an overdose. What the autopsy fails to demonstrate is how she overdosed, and that's where the whole controversy lies.
In a nutshell, what people question is the "probable suicide" conclusion made by what I call the "investigation squad" which includes the coroner and his office, as well as the suicide prevention team who investigated Marilyn's psychological condition at the moment of her death.
All acceptable theories have to include the fact that Marilyn ODed. From that there are tons of theories out there: injection, suicide, accident, enema, etc... (See my post here for discussion of some of them.
But it was never questionned that Marilyn died of something else than an overdose.
The amounts of Chloral Hydrate and Nembutal found in her liver were published in the autopsy report from the start, which mean the overdose is a fact.
k, well it's hard to tell what I mean - I will try again because I could have been try to discribe it a little better (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/wink3.gif)
The autopsy doesn't proofed the pill theorie because there were no pills in her stomach or little of it. So the autopsy couldn't give the answer, if she really died because of the fact of pills (as they say) or if it was taken/given in luiqid via a needle or enema. It's not proofed for sure (100%) that she had taken pills that was what I mean (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/wink3.gif) - that she died because of an overdose was or is clear for me too.
But what people say what happend is not always what really happend. Maybe everyone should just think it was the way it did.
(IMG:http://www.everlasting-star.net/boards/style_emoticons/default/sadballerina.gif)
Oh okay I think I understand better now!
Indeed the autopsy says "overdose" but can't say how it was provoqued...
So I guess we agree on that one (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/wink3.gif) Sorry I misunderstood in the first place, I thought you meant that the autopsy didn't prove that she had ODed from Nembs and/or CH. Now that I read your message again I don't understand why I understood that LOL! Soooorryyyy (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/blush.gif)
Still love me ? (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/laugh.gif) (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/wink3.gif)
QUOTE(mels @ Sep 16 2004, 10:56 PM)
(IMG:http://www.everlasting-star.net/boards/style_emoticons/default/hug.gif) oh sure dear (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/hug.gif) always and forever, hehehe (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/wink3.gif) it was my fault!!!
BeyondCamelot
Real Name: Kat
Well.. As a Kennedy fan, first off, I do not believe the Kennedys killed her, intentionally or otherwise. Were they involved in a coverup? Indirectly, yes. I've read over 60 books on the Kennedys, and I like to think I know their personalities as much as someone could have for never meeting them. Bobby was ruthless, yes, but he wasn't a killer. The problem about the idea that the Kennedys were the only ones involved in the murder & coverup is insane, honestly. Could the Kennedy family, alone, have the knowledge of medicine to fake an overdose, destroy all evidence, botch the autopsy, and leave a mystery still going 42 years later? I really, really, don't think so. The Kennedys were lawyers, politicians. Not doctors. JFK himself couldn't have been involved, because of his bad back ( ruptured disc suffered in the attack of PT109, followed by several botched operations ) - he could hardly walk half the time ( the reason he himself didn't slump down during his own assassination is his rigid back brace ), let alone be physically capable of murder.
I think, more or less, the media had a part in the Kennedy affair coverup. It's been documented that the media turned a blind-eye to JFK's affairs during his lifetime, partially out of respect for Jackie & the kids. My grandfather heard, around 1961, from someone who knew a top Kennedy aide, that JFK was having affairs, and he's told me before how he was blown away because the media wasn't covering it and it was the President of the US. The most "explosive" scandal coming forth in the few years after JFK died is a magazine reporting the rumor that JFK had Addison's disease ( this magazine was 1971, I believe ), which wasn't proven until a few years ago. It's entirely possible that yes, RFK had a hand in the destruction of the diary, if it wasn't done by James Angleton ( who was known to have taken possession of ANOTHER diary featuring information about another woman's affair with JFK after her death in October 1964 ).
There's a theory that the mafia killed Marilyn as a warning to RFK to stop attempting to get Jimmy Hoffa, which is why the mystery of her death has never been solved. The theory continues that, when RFK still didn't give it up, the mafia was in on the murder of JFK ( which is linked to the fact Jack Ruby, who shot alleged assassin Lee Harvey Oswald, was a mafia gunrunner ). However, when RFK was running for President, and Hoffa's people had a contract out? RFK's assassinated himself, in a hotel pantry.
Personally, I think there was foul play involved, but I'm not sure as to what extent. Maybe in the actual death, maybe in the crime scene alteration area, who really knows?
Scottish Sugar
Scotland's Marilyn Fanatic!
From: UK, liking it HOT!
I think suicide
Glittering Mist
From: England
I think it was an accident - I don't believe she was suicidal at that time. I think there was a cover-up by the Kennedys, and also Dr Greenson and Eunice Murray, in the hours after her death. I don't think she was murdered though.
But this is just my opinion - I don't really know for sure. Actually it makes me sad just to write this.
I think that it was a medical error, an accident not really a murder but for sure no suicide
I saw a few days ago an interesting documentary on Discovery Channel and I learnt many things they explained especially why at the autopsy the coroner didn't discover pills
QUOTE(chris @ Sep 23 2004, 01:23 PM)
I saw this wonderful documentary very recently and I really loved it. For once the producers tried to explain what interests us all and made experiments to find the real answer.
There were some mistakes in it though, that were later acknowledged by the doctor who made the pills experiment. You can read more about that here (IMG:http://www.everlasting-star.net/boards/style_emoticons/default/smile1.gif)
I just discovered yet another old documentary I taped in the 80's. It's called Norma Jean alias Marilyn Monroe and is hosted by French actress Catherine Deneuve. They play an audio tape of an interview Marilyn did with Georges Belmont in 1960. In it she states that 'I think that love and work are the only things that really happen to us and everything else doesn't really matter.One without the other isn't so good. I think that trying to be happy is almost as difficult as trying to be a good actress. You have to work at both of them'.
Catherine points out that around the time she died she had been fired from her work and there wasn't anyone special in her life love wise. This may have thrown her into despair. To quote Catherine 'One supposes that a few years later when she was fired, as she put it, and there was no-one in her life just then it didn't leave her much consolation. She must have had moments of despair and depression, short perhaps but crushing, devastating to her. Days when she hated herself. Times when she gave up all hope'.
To actually hear Marilyn saying the words quoted above is very powerful and makes you wonder. Catherine's thoughts make you wonder too.
BlondeAmbition
Blonde all over
Real Name: Stephanie
I believe Spoto's theory. It makes the most sense to me. I believe either Greenson or Ms.Murray gave Marilyn an enema of chloral hydrate to calm her down or in effort to get her under control, without knowing about the Nembutal. Chloral hydrate and Nembutal do not mix, and as Spoto puts it, it was the chloral hydrate that put Marilyn "over the edge". I believe Greenson made a huge mistake, but a mistake nonetheless. In their attempts to keep Marilyn in their control and stay in her life, Greenson and Murray accidently killed her, and proceeded to cover it up, i.e. the washing of the bedsheets, and all the conflicting stories and lies. A tragic accident. I used to want to believe in a murder theory involving the Kennedys, but as I said, after looking over all the possible death theories, this one makes most sense to me.
Nicotschka
MM Admirer
Real Name: Nici
I totally agree with Nina! For me the Kennedys killed her. Marilyn tried sometimes to kill herself, but she did it always with the chance of beeing founded by someone. And, my god I can't believe that she killed herself with an enema. How? And, why? If it would have been a suicide she would have taken the pills via the normal way...
Real Name: Faith
I think it was an accidental death, but I'm keeping my mind open entirely. The best reason I've ever read was in a book, I don't remember which, and it's stuck with me. It was something along the lines of 'she wanted to die for the night, not forever'. I think that's probably true. I suffer from depression and I've often just wanted to drown out the pain but I'm terrified of death. I'd have been quite happy to leave my life for a few hours during my lowest time, and I think Marilyn was too, but not for good. So yes, I think it was probably accidental. A cry for help, perhaps, or just her way of keeping herself and her problems under wraps, but it all went wrong. :(
Real Name: Melissa
I think she was murdered.

redpajama_set_name: RedPajamaCommonCrawl


The images in the General Maine History gallery include photographs and postcards that have been gathered from many of the library's manuscript collections. Many images were originally scanned to support specific projects of researchers, authors, and students. Scanning will be ongoing, but so far this represents a fraction of the images available through Raymond H. Fogler Library's Special Collections Department, so feel free to contact us with your specific research interests.
There are no restrictions on use of these images. For information about the process and fees for obtaining higher resolution scans or another file format, contact Special Collections at um.library.spc @ maine.edu or 207.581.1686.


text:
YAvec (ex Doctegestio) est un groupe qui a des activités dans les domaines de la gestion immobilière, le tourisme social et familial, le social et médico-social et le sanitaire. Il exerce ses activités à travers des structures privées, associatives et mutualistes.

Dénomination
Le groupe est créé en 1999 sous le nom de « Directgestion » puis est renommé en 2010 « Doctegestio ».

En janvier 2021, nouveau changement de nom, le groupe s'appelle désormais « Avec ».

Chiffres clés
Le groupe AVEC revendique 395 établissements (dont 23 EHPAD et Résidences autonomie, 95 SAAD, 25 SSIAD, 72 établissements de tourisme familial et accueil) employant au total 12 000 collaborateurs.

Historique
Le groupe se développe d'abord dans le secteur de l'immobilier sur Internet avec la gestion locative en ligne. Puis il se diversifie dans l'hôtellerie, reprend l'association Amapa à Metz en 2012 (SAAD, SSIAD et EHPAD) et plus tard des activités sanitaires. Le Groupe compte 297 établissements en France en 2018.

En , Doctegestio reprend la clinique Vauban de Livry-Gargan, en difficulté financière, puis mène des travaux de rénovation au sein de sa maternité.

Le centre de santé Viala situé dans le quinzième arrondissement de Paris est repris par Doctegestio en 2016 ; un contentieux existe depuis avec la CAF de Paris ayant décidé l'augmentation de la convention d'occupation du lieu. Le 25 septembre 2020, le jugement d'expulsion est mis à exécution faisant brutalement cesser les activités du centre de santé. En décembre, le tribunal de commerce de Brive choisit le groupe Doctegestio et sa filiale, Amapa, pour reprendre l'association Aide à domicile en milieu rural de la Corrèze (ADMR).

Le tribunal de grande instance de Bastia ordonne en  la cession du groupe Corssad (centre d'organisation régionale des soins et aides à domicile) pour une valeur de  au profit de Doctegestio, seul candidat métropolitain à la reprise de l'établissement, l'Amapa reprend la structure.

Doctegestio lance en 2017 Doctocare, soutenu par un portail internet éponyme.

Le groupe de cliniques Saint-Jean-l'Ermitage (CSJE) de Melun-Dammarie-les-Lys bénéficie en 2018 d'un plan de continuation accepté par le tribunal de commerce d'Évry avec l'entrée dans le capital du groupe Doctegestio, devenant actionnaire à 82 %. Le groupe devient ainsi partenaire du groupe hospitalier public Sud Ile-de-France de Melun.

Le groupe Doctegestio est choisi en 2018 par le centre hospitalier d'Annecy pour créer le premier hébergement temporaire non-médicalisé pour patients dit « hôtel pour patients » en collaboration avec le promoteur Adim, filiale de Vinci. L'établissement, devant ouvrir au printemps 2021 sous le nom d'Hôtel Le Manoir, sera situé face à l'hôpital.

Le tribunal de commerce de La Rochelle choisit de confier à Doctegestio les activités de la résidence La Roseraie de Bourcefranc-le-Chapus, petite unité de vie (PUV) d'une capacité de 18 places. Il s'agit alors de la  cession judiciaire au profit du groupe depuis sa création.

En 2019, le groupe reprend la gestion des activités de l'association À domicile Cambrésis en redressement judiciaire depuis 2018 ainsi que la gestion de l'Ehpad Les Myriams de Saint-Gervais-les-Bains. Le groupe présente également en mars à Metz lors d'un congrès sur l'intelligence artificielle un dossier médical numérique, développement de sa plateforme de prise de rendez-vous doctocare.com. En mai, le groupe, propriétaire de la clinique du Docteur Henri Guillard à Coutances, dément des rumeurs de liquidation judiciaire évoquées par un syndicat local. En septembre de la même année, Doctegestio organise un forum de l'emploi à Château-Salins.

En octobre 2020, le Groupe hospitalier mutualiste de Grenoble et ses  collaborateurs rejoint le groupe, peu de temps avant son changement de nom, le 6 janvier 2021.

En juin 2022, l'ancien ministre des outre-mer, Yves Jégo, qui a quitté la vie politique nationale en 2018, en démissionnant de l'Assemblée Nationale dont il était vice-président afin de « poursuivre les combats d'intérêts général par d'autre biais » devient le nouveau directeur général du groupe .

En septembre 2022, le Groupe AVEC qui a choisi de devenir une société à mission installe son comité de mission conformément aux dispositions de la loi Pacte de 2019.

Critiques et controverses

Association Amapa
En , le magazine Alternatives économiques relate notamment une liquidation judiciaire prononcée en 2016 à l'encontre de la société Port Rive Gauche SASU exploitant des appartements à Marseillan, filiale de la société DG Holidays SARL elle-même filiale du groupe Doctegestio. Bernard Bensaid répond en juin à la rédaction du magazine.

Fin 2017, le député LREM de Corrèze Christophe Jerettie pose une question écrite au gouvernement dans laquelle il demande s'il est  « conforme ou non aux dispositions de la loi de 1901 qu'une société commerciale prenne le contrôle d'une association », visant Doctegestio et sa relation avec l'association Amapa.

En 2018, Alternatives économiques dénonce Doctegestio pour son utilisation qu'il juge abusive de son appartenance a l'économie sociale et solidaire.

Hôtels de Plombières-les-Bains
En , les copropriétaires de trois hôtels et résidences de la ville de Plombières-les-Bains font appel à un cabinet d'avocats contre le dirigeant du groupe, pour des raisons de sécurité.

Chamrousse
DG Holidays (filiale de Doctegestio) a été traduite en justice par les propriétaires d'une résidence à Chamrousse pour non-paiement du loyer. Le tribunal a tranché en faveur des propriétaires.

Groupe hospitalier mutualiste de Grenoble
En juin 2022, Radio France révèle que deux syndicats du GHM (FO et la CGT) ont déposé une plainte contre X pour « prise illégale d'intérêts » et « détournement de fonds publics » auprès du parquet de Grenoble. Une information judiciaire est ouverte. Bernard Bensaid est mis en examen le 11 janvier 2023 par deux juges d'instruction grenoblois.

Le Canard enchaîné du 14 décembre 2022 (suite d'un article du 9 novembre 2022) consacre un article (« Le groupe Avec marche sur la dette ») à son fonctionnement financier.

Notes et références

Liens externes

Entreprise ayant son siège à Paris

redpajama_set_name: RedPajamaWikipedia


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Wild Apricot Membership Management Software / The WildApricot Blog / Top 5 Alternatives to PayPal for Nonprofits
Top 5 Alternatives to PayPal for Nonprofits
Tatiana Morand
Michael opened up his laptop after hours and headed straight for Google. He knew he had to find an online payment provider that could bring his small animal services nonprofit into the 21st century, but the options seemed endless.
Of course he had heard of PayPal, but he wasn't sure if it was the right fit. Before making a decision, he wanted to understand what else was on the market. Michael typed "alternatives to PayPal for nonprofits" into the search bar, and started reading through the results.
For anyone working in the nonprofit space — or for anyone who sends or receives online payments, for that matter — PayPal has become a bit of a household name.
It's straightforward, it's convenient, and for the most part, it gets the job done.
But does that mean it's the best option for your organization with your unique situation and needs? After all, there are a lot of things to consider when selecting your online payment service provider.
Or maybe you're not even accepting online payments for your nonprofit at all right now. If that's the case, you could be missing out on a major number of donations.
But if you're reading this article, you likely already know that you need to select the perfect online payment provider for your nonprofit.
Luckily, you've come to the right place. I'll be covering:
An overview of PayPal for Nonprofits
3 Pros and Cons of Using PayPal as a Donation Platform
5 Alternatives to PayPal for Nonprofits
Read on to find out more about both PayPal and alternatives to PayPal for nonprofits.
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Overview of PayPal for Nonprofits
PayPal is a well-known, easy-to-use digital payment platform built for business, charitable, and personal use.
With its quick set-up process and the ability to send and receive multiple currencies all around the world, it's a popular choice for organizations looking for a donation payment gateway and payment processor all rolled into one (for more information on payment terminology, check out our complete guide to understanding online payment services).
And as a comprehensive payment service provider, PayPal has something to offer organizations of any size, from donate buttons to checkout pages to pro payments.
But the one question we get asked from organizations over and over again…
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The short answer: no.
BUT if you can verify your organization's charitable status — in the United States, for example, this means proving that you're a 501(c)3 nonprofit organization — you'll be able to take advantage of their special charitable rates.
This means paying 2.2% + $0.30 per transaction instead of the 2.9% + $0.30 per transaction that a regular business would pay in the U.S.
However, like anything, PayPal has its pros and cons. I've outlined three of the biggest for you below.
Pros of PayPal for Nonprofits
1. It's the Popular Kid in School
PayPal is one of the most widely-used payment processors on the market, so there's a good chance your donors have already used it or even have their own accounts.
This removes a potential objection they might have and makes it just that much easier to accept donations.
But in case you were concerned, donors don't need their own PayPal account in order to donate via PayPal. It works as a third-party payment processor, so it can accept most major credit cards, including Visa, Mastercard, and American Express.
2. It'll Keep You Safe
PayPal handles all of your customers' payment details itself, meaning you don't have to store any sensitive information on your server.
PayPal also offers purchase protection in the case of fraudulent transactions.
3. Get Started in 1, 2, 3
There's no doubt about it — PayPal is a user-friendly tool with an intuitive interface that just about anyone can get up and running.
And even if you do get stuck, PayPal has extensive online resources and customer support that'll solve your problem in no time.
Cons of PayPal for Nonprofits
1. It's Not Always the Cheapest Option
PayPal doesn't have initial set up or monthly subscription fees in order to use their services, but there are a few areas where there are additional costs you should be aware of.
For example, if you're a U.S.-based nonprofit accepting U.S. dollars from someone outside the U.S., then the fee you'll pay will actually be 3.7% + $0.30 per transaction, instead of the domestic rate of 2.2% + $0.30 per transaction.
There are different fees for foreign currency conversion, in-person donations, and more, so it's important to understand the fee structure for the services you're planning on using to avoid any costly surprises.
2. Visitors Might Not Stay
PayPal is a third-party solution. That means that, unless you have PayPal seamlessly integrated into your website (such as via a custom branded checkout with PayPal Payments Pro), making a donation via PayPal usually takes people away from your site and onto the PayPal payments page.
When this happens, they might not return to your site after they make their donation, or they might fall off midway through and not donate at all.
3. Not Everyone Can Use It
Although PayPal is available in over 200 countries and 25 currencies worldwide, there are still some markets that don't allow transactions.
If you work in or accept donations from people in locations outside of PayPal's domain, you may want to look for another platform to avoid losing potential funds.
Feeling like Paypal might not be right for your organization?
Here are five other options you might want to investigate.
1. Stripe
Stripe is one of PayPal's biggest competitors, and with good reason. It's a global payment service provider that processes billions of dollars every year for businesses and nonprofits. It supports over 135 currencies and has a robust developer platform as well as a number of third-party integrations.
Stripe offers a discounted rate to registered nonprofits, which is typically 2.2% + $0.30 per transaction in the U.S., or on par with PayPal's base rate.
Most notably, Stripe checkout forms are embedded directly into your nonprofit website, so donors aren't directed to external sites to complete their transaction. The forms look modern and professional, as shown in charity:water's donation page below, and guarantee a smooth donation process from beginning-to-end.
2. iATS Payments
iATS Payments is an online payment service provider that was founded specifically to help nonprofits raise money simply and easily. With over 20 years in business, today iATS works with over 10,000 nonprofit clients around the world.
It offers credit card, direct debit, and ACH processing for your nonprofit, all at varying rates, and integrates with dozens of nonprofit software companies you might already be using.
Although iATS stands for International Automated Transaction Services, iATS only accepts credit card donations from about 40 countries, and only accepts direct debits from Canada, the United States, and the United Kingdom, so if you have a large international donor base, you may want to look into another option.
iATS' form templates are fairly basic on their own, and without any custom code, can tend to look a bit dated. Check out a sample form for the Aura Foundation below.
3. Authorize.Net
Authorize.Net is a payment solution that's actually powered by Visa. It has also been in business for more than 20 years, and is a trusted payment provider for businesses and nonprofits alike.
It's important to note here that Authorize.Net is one of the pricier options on this list, with a base rate of 2.9% + $0.30 per transaction and an additional monthly fee of $25.
If your nonprofit processes more than $500,000 in donations annually, you may be eligible for a discount with their enterprise solutions, but for most small nonprofits, that's not going to be available.
See below for an example of how The D'Addario Foundation uses a plain Authorize.Net checkout form to process donations on their website.
4. WildApricot Payments
WildApricot Payments is WildApricot's own alternative to PayPal, available to paid WildApricot members. WildApricot Payments is powered by AffiniPay, a credit card processing company for associations.
Both WildApricot and AffiniPay are fully PCI compliant, and were built specifically to handle nonprofit donations, so you never have to worry about your funds again.
Comparable to a few of the other alternatives on this list, WildApricot Payments pricing is 2.9% + $0.30 per transaction, with no set up or monthly fees.
You can see an example of how the Los Angeles Book Club uses WildApricot Payments below, or sign up for a free 30-day trial to test it out for yourself.
5. Moneris
Moneris was founded by RBC and the Bank of Montreal, and has made quite a name for itself as one of Canada's top payment providers. It has excellent customer service, and offers solutions for website checkout, physical terminals, and mobile payments.
However, most plans with Moneris have monthly fees on top of their base transaction rates, and unfortunately, Moneris locks users into lengthy contracts, so you have to be ready to stick with them for the long-term.
Nonetheless, it's still a popular choice, especially for Canadian nonprofits, like Ronald McDonald House Charities shown below.
Now that Michael knows all the different alternatives to PayPal available to nonprofits, he's much more confident in selecting the best online payment service provider for his organization.
Which one would you choose? Let us know in the comments below!
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HOME►CharcoalTimes™►June 2012►Uganda 2012
Uganda, February 2012
For those who are not aware of our travels and Public Health Programs, in 2011 Kimberly and I traveled to Uganda to conduct a number of health emphasis/natural remedy workshops. (Read Uganada 2011) The four weeks took us from central to western Uganda and back to Kampala. Clearly the people saw the benefits of this natural disease prevention approach and were captivated with our talks on medicinal charcoal, simple hydrotherapy treatments and some common herbs. Since our return we have received some remarkable stories. We also received an invitation to come back.
Kalagala
At the invitation of Doctor Gebre Worancha of Bugema University, I traveled back to Uganda in February of this year to teach about natural medicine as part of an evangelist effort by the University in the village of Kalagala. The 3-week program was entitled "Hope and Health for All". This certainly was a new experience for me to talk on both the practical applications of physical and mental health, as well as the spiritual side. To announce the beginning of the programs, Bugema University organized a drum and brass band to march through the village, inviting all to the first day's events. The children were delighted and the adults... amused, skeptical, leery...
The village of Kalagala has a population of about a thousand. Soon people began to come. District dignitaries, village chief and elders, children, young people, adults, and the seniors. It was a typical poor farming community. It was only 12 miles away from the University, but it could take us 45 minutes to drive. Thankfully it did not rain until my last day. Each afternoon, from 4:30 to 6:30, I conducted health classes. A large tent was purchased that had sides. This helped to minimize children traffic and countless other distractions. The children had programs for them under a large tree so their parents could better concentrate. The enclosed tent also allowed me to project a Powerpoint program. It does not seem to matter whether people are poor and illiterate, or prosperous and educated, whether from a developed or developing country, everyone quickly becomes focused on the simple illustrations. Unfortunately the tent very soon became too small.
The slides of the body's invisible anatomy captivated the audience and it was an easy matter to bridge the functions of each organ and what we can all do to make the whole body work the most efficiently and healthfully as possible.
We also looked at a number of natural plant remedies, some from America, some native to Africa, and Uganda in particular. I was amazed to see some people knew nothing about the powerful medicinal properties of Aloe Vera, which is so common there. But then I am also so amazed to see Americans so oblivious to the medicinal applications of red clover. It seems people everywhere have been seduced into abandoning God's simple natural medicinal plants for the much more dramatic poisons of witchcraft or modern medicine.
Along with plant medicines, we also covered the principles underlying hydrotherapy, and demonstrated several different treatments that were doable considering the circumstances – cooking over open fires, run-and-fetch-it running water, scarcity of cloth and towels. The village chief was not all that keen on this troop of people invading her small village. But after several days of listening from afar (megaphones were set up so as to blast most of the village so they could hear even if they didn't come), she came and took me aside and asked what she could do for her little child who had chronic sinus congestion. I described a couple simple hydrotherapy treatments she could use, including a hot footbath and moist hot packs over the face. Two days later she came and wanted to give me her report. It only took 15 minutes of the hot moist packs over her sinuses and they opened up and drained and was completely over whatever had sparked the problem. Needless to say she was one very pleased mother. So much so, that at the end of our 3 weeks she came and publically asked if the team could stay one more week. God is good!
Of course I also talked at length about charcoal. There had been considerable hoopla before hand about this musungu (white man) coming to talk about the medicinal use of charcoal. The people had good reasons to be more than skeptical. Imagine someone trying to sell you the idea that something so common as charcoal, that is little better than the dirt under you feet, something the children, dogs and goats pee on, is so powerful a medicine that it is used in every modern hospital in the world. That is called a hard sell.
Nevertheless, after lots of laughing and rolling of eyes, it didn't take long looking at the Powerpoint program to settle everyone down, and for serious expressions to take the place of humor. Was it possible that God had given these people something so present in their lives that could deal with some of the real big hitting causes of sickness and death? It wasn't long before we were hearing first hand how charcoal was working in Kalagala.
Malaria Fever
One bright young mother never failed to be there on one of the front rows with her infant. But it was obvious to me, that as robust as the baby looked it was sick. Sometime that first week she came and asked what could I recommend for her baby. I reached over and felt his forehead – very bad fever! I felt the belly and it too felt very hot. According to the mother a doctor had diagnosed malaria, which was certainly a good possibility. But malaria is often the easy diagnosis and Quinine the easy treatment. Maybe it was the expression on my face, but I said something to the effect that, "Quinine is pure poison and it shouldn't be given to an adult let alone a small child!" Anxiety and fear flushed over that young mother's face and I feared I had said too much. I went on to tell her several things she should try – I don't recall mentioning charcoal.
The next day I was seated outside the tent, before the afternoon program began, answering questions from different people, when this young mother walked up with her baby and sat down next to us. Instantly I saw the baby was not sick. I reached over and felt his head and belly – NO FEVER! The mother just gave this big smile and turned to the other women in the group and started chatting in Luganda. Soon the other women began clapping and saying "Amina, amina!" (Amen, Amen!) I asked the translator what she was saying. After my less than careful comment the previous day, the young mother went home, and followed my instructions from a previous talk for making a charcoal drink for babies: first selecting some charcoal; washing it with boiled water; grinding and sifting it; then making a charcoal slurry with boiled water; letting the charcoal settle out; then pouring the "gray" water into a baby bottle, and giving that to the sick child. How long did it take to have an effect? "In about 15 minutes the fever began to leave, and it is now completely well!" To God be the praise!
Do you think that young mother was happy? Do you think she told others? Do you think she was ready to listen to what we might have to say about spiritual health?
Wasp stings, digestive problems, painful joints, infections, these were some of the stories people began to share amongst themselves as they came to learn more about how God wants us to be well, and how to get back our health if we get sick - without having to experiment with some witch doctor's poisonous concoction.
The Cow Girl
Oh yes, the little girl who was tending the cow that took off and somehow the rope got caught around her neck and miraculously her life was spared - only for a bad infection to settle into the burn wound. But one of the translators brought the girl to us after dark and asked if we could give her a charcoal poultice. We took some pictures then wrapped the neck with the poultice, and again had prayer.
Next Day: I am always amazed what charcoal can do, but there are times I know it wasn't the charcoal. Bad wounds like that just don't disinfect overnight. I was speechless. People gawked. At that point some of the young people took over making charcoal poultices and by the end of the ten days the scabbing was almost all gone.
Leg Wound
Back at Bugema University my morning time was used giving talks specifically on the use of charcoal. The word quickly spread and one Thursday noon I was paid a visit by a student limping up to my cottage with one crutch. It seems he had had a bad bodaboda (motorcycle) accident that had left him a severely punctured and infected leg. It had in time healed over, only to have the infection re-surface a short distance away. Antibiotics proved ineffective. The wound was getting deeper, and enlarging, and the pain was increasing. "Mr John, do you think charcoal would help?" he asked hopefully. It was little trouble to quickly make a charcoal poultice and apply it over the wound. We had a short prayer together, and sent him on his way with material to make another one. Sunday morning, three days later, there is a knocking at my door and there stands the young man without his crutch and smiling broadly. "Pain is gone!" I unwrapped the bandage and it was remarkable to see not only that the infection was gone, but new tissue was already forming around the open wound and in the wound. Amazing - the chemistries of charcoal and prayer working together!
Equally amazing is how fast a story like this can sweep across a campus of 4,000 students - without Facebook! Part of the excitement is to discover they have a "tool", something they can take back to their villages or wherever they go.
Making Charcoal Powder
Okay, time to teach someone how to make their own charcoal and demonstrate it at the Kalagala program. Hope, from Ghana, was more than willing, as Community Development was her main study. I purchased a 50 lb sack of charcoal - it was a mixture of different hardwoods including Eucalyptus and Guava. Hope selected out the hardest pieces, washed away the most obvious dirt, then washed again with boiling water to sterilize them. After being allowed to dry sufficiently in the sun, she then set to pounding it in a traditional hollowed out log with a five foot pole rounded on one end. After pounding, the mixture was first sifted through a coarse mesh flour sifter, and then a very fine mesh flour sifter. The large pieces were all returned to the urn to be pounded again, and the process repeated over and over. Four hours of this tedious and hard work produced five gallons of fine sifted charcoal powder. At this point it would suit me better to see the powder laid on metal trays and heated again to sterilize the powder, allowed to thoroughly dry, and then stored in sterilized glass jars. Sanitation can never be over emphasized, whether in a primitive village or a modern cosmopolitan city.
With another young woman translating, Hope explained the whole process at our afternoon meeting, and then gave out free samples. The people were so excited to learn AND to get these samples. We then invited different ones up to be "patients" and some to be "nurses" to practice making and applying charcoal poultices. One of the first volunteer "nurses" was the mother of the baby that had been afflicted with the malaria fever. We ran out of light and time long before we ran out of volunteers. It was a very moving experience!
Malaria – HIV/AIDS – Infant Mortality - Infertility
Willy is the director of a humble NGO (Non-Governmental Organization) that is involved in Rural Health Care projects, such as water wells, and also operates an Orphanage for HIV/AIDS children. Uganda has the highest incidence of HIV/AIDS in the world. It was his search for alternative solutions to HIV treatment that brought Willy to our Website in 2010. "Would charcoal help?" he asked. "It should help with the diarrhea, nausea and vomiting that often attend these pitiful sufferers", I replied. If the charcoal can relieve some of the load on the liver and kidneys, that should translate into a measure of relief. Willy reported back a couple months later that indeed the patients were experiencing more energy through the day but would have to take more charcoal the next day. Willy invited us to join him when we came to Uganda in 2011. But Willy had other personal health concerns.
Infant mortality is so high in Uganda, as it is in many developing countries, that often the baby is not given a name until several months pass. As numbing as infant mortality is, carrying a baby to term or even getting pregnant is no less a great worry for these people who depend so much on children as their support in old age.
Charcoal Babies
I invited Willy to come from Kampala to share some of his experiences with the village folk. Gladys and her cousin also came. Gladys, Willy's wife, was not able to carry her baby to term. What should they do?
"Greetings from RHCF Uganda. Before we started using charcoal, Gladys conceived and after five month we got a miscarriage. We didn't know what was the problem and after a serious test in her womb doctors found that she had fibroids, and we were told that the only way of treating it is through going under surgical operation. We decided to use herbs, and we chose charcoal as a remedy for our problem. After a few months, again she was pregnant, and each week she was drinking a glass of charcoal [water] and she was felt good - no fever. She had enough energy she didn't take any prescribed drug from [the] clinics for a period of nine months. Then she gave birth to a baby boy and now the boy looks good and is strong. Charcoal is a remedy to many human difficulties."
As you can see from the picture Ryan is definitely a healthy looking baby and he is the right color for a "charcoal baby"!
Standing next to Gladys is her cousin, who was not even able to get pregnant (apparently an increasing problem – what could the cause be?). After their success, Gladys suggested charcoal for her cousin. It is not so obvious, but in the picture she is 3 months pregnant.
Now when Gladys gave her testimony there was an eruption of clapping, and a chorus of Aminas (Amens), especially among the women. Considering the high mortality during birth and infancy, and the huge emphasis on having children, it is not difficult to appreciate the corporate joy for this young woman. When Gladys' cousin gave her short testimony the tent broke out in hooting, Aminas, clapping, and shouting there was so much joy for this young woman who was a complete stranger to the village.
For the record, I did not suggest charcoal for their problem. It was something they decided to try after their own experimenting with charcoal for other issues.
Other Issues.
"In fact I receive a lot of short stories about charcoal, but I don't have picture of the people telling. One thing about charcoal it cures a lot of different disease. Like for me, three weeks [ago] I caught malaria while I was on the way coming from Mubende town. By the time I reached home it [the fever] was high. I took 2 spoons of charcoal powder in a full cup of water. The next day I was ok without any feeling of fever. And another story of people affected with HIV, charcoal helps them to gain strength faster, I had a lot of stories about it." (Remember Willy is the director of an orphanage for HIV/AIDS children.)
When All Is Said and Done - it POURS!
I don't have space to relate all the amazing stories, "conincidences", frustrations, breakdowns, delays, answers to prayer. I have not mentioned all the other classes that ran simultaniously in the afternoon provided by Bugema University - family planning; agriculture; free doctor clinics; finance; HIV/AIDS prevention; musical programs; children's programs; and more. I don't have pictures of the mountain of cloths that was gathered by the Bugema campus and distributed, or the bags and bags of peanuts Pastor Gebre and Tadu, his wife, prepared and handed out to scores of amazed children - children who were gathered together to hear stories and play simple games and sing to the hundreds of people who gathered for the evening program and videos on the giant screen. And then it was all but over.
As Pastor Gebre was finishing up his closing remarks, clouds rolled up, the lightening and thunder rolled over the hills, and some drops began to fall. As he closed the program with prayer, it seemed the "windows of heaven" once again opened. The dry season, which normally began four weeks earlier, was officially over. Everyone was happy! Within fifteen minutes the road home was turning into a small river. Truly "Showers of Blessing".
It is not over until it is over.
Prior to the outpouring of rain, some ninety individuals (teenagers, young adults, seniors, and one parapalegic woman) chose to commemorate and celebrate their new lease on life by being baptized - a laying down of the old and rising up with the new. Even as the rain intensified, the people loaded onto a large bus sent by Bugema University to plow its way back down the road to the highway and bring them to the campus. That in itself was a first for most. Just as suddenyl as it began to pour, so it stopped. Each person was given a robe and then invited into the small baptistry. There is the teenage girl that helped with translating. There is the woman army officer. There is the former soldier (and former town drunk). There is the young mother.
And there was more. Bugema University Cafeteria Cooks then prepared and served all a traditional meal with a few treats few would ever have. And the bus loaded up its precious cargo and carried them all home.
I must give a big thank you to Bugema University. For Doctor Gebre's invitation, watch care and guidance, for his wife Tadu and her delicious meals. For Vice Chancellor Patrick Manu and his solid support for the programs in every way, and his wife Grace's enthusiastic hospitality. For the young men who so eagerly translated our many talks non-stop for hours. For the young women who prepared charcoal and assisted in demonstrations. The staff and students who set up tents, PA system, giant screen, made the children feel special, and cleaned up every night for 3 weeks. To all a big thank you for your kind and energetic support. We all share in the reward of seeing the village of Kalagala equipped with practical knowledge that can insure both "Hope and Health for All". Of course, a big thanks to the village elders and the townsfolk for allowing us to come and for your gracious invitation to come again.
Thank you Kimberly for managing home and business so well while I was gone, but I much prefer to have you with me on these priceless adventures. Next time...
Then, without God, all this would only have been some wishful thinking on my part back in frigid Nebraska. Thank YOU!
Uganda is the result of one invitation to speak in one country that led to an invitation in an another country that led to an invitation to western Uganda in 2011. If you are interested in having John & Kimberly Dinsley come to your country please contact them at editor@buyactivatedcharcoal.com Who knows...