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5.5 The HIV/AIDS threat: Working Out of Poverty
Over 25 million workers are infected with HIV/AIDS, and millions more affected by the pandemic. The ILO has calculated that the size of the labour force in high-prevalence countries will be between 10 and 30 per cent smaller by 2020 than it would have been without the effect of HIV/AIDS, which poses a serious threat to economic growth and development prospects. Macroeconomic performance is undermined by rising labour costs associated with the pandemic, through skills shortages, sickness and absenteeism and reduced productivity and economic competitiveness, resulting in a shrinking tax base, less foreign investment and fewer jobs.
The Role of Microfinance in Addressing the HIV/AIDS Pandemic in Zambia: The Rainbow Model Provides a Future for AIDS Orphans
Poverty and HIV/AIDS constitute a vicious circle. Poverty creates vulnerability to HIV/AIDS, and HIV/AIDS leads to poverty. Unfortunately, the interventions of the national and international community are not moving as quickly as the desperation and the loss of hope in the people coping with the pandemic at the grassroots level.

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Equity Financing
Most small or growth-stage businesses use equity financing in a limited way. As with debt financing, most of the time additional equity comes from non-professional investors such as friends, relatives, employees, customers or industry colleagues.
Lesson #1: Go In Search of Inexperience
Eastman was a hard worker at the Rochester Savings Bank. He was meticulous in his record-keeping and never missed a day, despite staying awake at nights to work on his photographic dry plates. So, when he was passed over for a promotion in favour of one of the bank executive’s relatives, he was outraged. If his work was not going to be recognized, then he did not want to be doing it any longer.

The Benefits of the Postcard Campaign
Most of us think of postcards as something we send to our friends and relatives while we are away on vacation. But this communication piece is now favored by many businesses as well.
Audition - Trying to Please Everyone Else
Be honest with yourself, what do you do when friends, co-workers, or relatives tell you what you should or should not do about your life, health, career, relationships, etc? Do you immediately move to action to change what others say you should change?
Goals Versus Resolutions
It’s mid February and I waited to present this topic to allow all of your New Year’s resolutions to die their natural death. Are you still exercising, how about that healthy diet, did you contact those long lost friends and relatives, have you become kinder and gentler? With all of that kicked to the curb we can focus on the real meat and potatoes of change-GOAL SETTING.

Mine's BiggerThan Yours
Is anyone else sick of all the hype?
Make Money from Home with Baking
Baking is one of hundred ways to make money from home. This is particularly true if there is no near bakeshop in your neighborhood. You can cater to friends, family, relatives, neighbors and former officemates. For sure, many people do not have the time to do the baking themselves.
Getting Sick can be Frustrating
It’s flu session. Getting sick is never any fun, and as an adult with ADHD getting sick can be frustrating as your mind continues to work as fast as ever, yet your body isn’t as physically strong as usual and you don’t have your usual energy to keep up.
SMALL AND MEDIUM BUSINESS TECHNIQUES TO RAISE DEBT OR EQUITY CAPITAL
Debt financing, is the process of obtaining some for of a loan form relatives, friends or a financial institution. Foremost is to have you business plan in order and solid as possible, the vast majority of new and small start-up businesses are funded with debt financing via financial institutions or relatives.

Find fear before it finds you
To project to others that we are always happy, having fun and in a positive frame of mind every day is just pure fantasy. We all feel pain and frustration and all of us most certainly feel fear. In fact, for many of us, fear defines who we are and our corresponding thoughts and behaviours are governed by fear's close relatives: anxiety, procrastination, stress and worry.
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