A question that perturbed me when I lived in Owings Mills was why there were so many roads named “Dolfield”.  There are three different Dolfield Roads, one South Dolfield Road, and three Dolfield Boulevards.  I finally got around to researching the question, and now I share the answer (to the degreee that I have one) with everyone.

This is a map of Dolfield Road, past and present:

The thick, dark blue line is where Dolfield Road once ran.  At one point, it connected Painters Mill Road and Deer Park Road.

The thinner, light blue line shows where Dolfield Road, in all its parts, runs today.  When Interstate 795 was built, Dolfield Road was cut in two, as happened to many roads during the construation of the Interstate system.  At the same time, part of the eastern portion of Dolfield Road was diverted to make room for the ramps from Owings Mills Boulevard to Interstate 795.  The section of Dolfield Road south of Owings Mills Boulevard was renamed South Dolfield Road, for reasons I cannot find.

At some point—I cannot tell when, exactly—the chunk of Dolfield Road that extends from present-day Red Run Boulevard to Pleasant Hill Road was closed, though I was unable to find out why.  The small section between Red Run Boulevard and Interstate 795 now serves as an access road to a SHA facility, and the rest of the closed section has been turned into a hiking/biking trail (colored in light green on the map).  Finally, the section of Dolfield Road just west of Pleasant Hill Road was realigned when Dolfield Boulevard was built.

Here’s a map of Dolfield Boulevard:

At some point in the past, the county planned to build a road named Dolfield Boulevard that would connect Owings Mills New Town with the eastern area of Reisterstown, both areas that were slated for new development.  The road was planned to have two lanes in each direction with a raised median dividing the road.  The dark purple line on the above map shows where it was to have gone, as far as I can tell.  I’m not sure whether the original plans included anything further north, though it might have made sense to connect it to Owings Mills Boulevard.

Unfortunately for the county, a number of people living in the proposed path of the new road put up sufficient objections that the project stalled.  Portions along Reisterstown Road and Academy Avenue were built and, in both cases, partly divided and partly not—the light purple lines are the divided sections and the pink lines are the undivided sections.  Furthermore, the southern end of Dolfield Boulevard was built without incident as part of the development of Owings Mills New Town, though part of Pleasant Hill Road was rechristened Dolfield Boulevard but left undivided.

From what I can tell, the county never entirely abandoned its plans for Dolfield Boulevard, but they seems to be shelved indefinitely.  Separately from those plans, they are currently considering adding an interchange between Dolfield Boulevard and Interstate 795 (which would have been really convenient for me if it had been in place when I lived there).

So there are three sections of Dolfield Road (and a South Dolfield Road) because Interstate 795 and other factors caused a former road to be split into pieces, and there are three sections of Dolfield Boulevard because that’s as far as the county has gotten on the plans for a new road.  This ends today’s episode of “I’m a geek and will research anything that catches my fancy”.

This is a thing, apparently: “Take knife from pocket, post pic on the internet.”

My main knife, and the one that best matches the intent of the meme, I think, is a Myerchin Lightknife L377P, which they apparently don’t sell anymore.  It’s a very nice, light, compact knife, with a multipurpose half-straight half-serrated blade; a marlinspike, which is useful for knot- and ropework; and a small red LED, which is nice for seeing things without ruining your night vision.  I use the marlinspike a lot less these days, because I don’t do as much decorative knotwork, but it’s still occasionally useful.

The knife was a Christmas gift from my dad and stepmother a number of years ago.  (Possibly 2004 or so.)  I’d been thinking about replacing my at-the-time pocket knife, something from Spyderco, with a lighter, more compact knife, when I read a Cool Tools review of the Myerchin L377P.  It sounded like it would do everything I wanted and more, so I made a Christmas request and then got what I asked for.

The Myerchin isn’t the only knife that meets the letter of the meme’s wording, though.  I also have a credit-card-shaped multitool from Brookstone in my wallet.  I use it mostly for its tweezers, but its pen, needle, scissors, and knife blade are also occasionally useful.

A knife I also usually have on me is my Victorinox Swiss Army CyberTool.  Technically, it lives in my laptop bag, not my pocket, but I usually have the bag with me.  It’s very useful for dealing with all sorts of small-scale hardware, because it’s got the screwdriver with interchangeable phillips, flat, and torx bits, plus the small pliers (which also include a wire cutter).

This was a birthday gift from my parents back in 2000 or so.  It replaced my previous everyday knife, a Swiss Army Automobile Special, which had also been a birthday gift from my parents.  Victorinox had just come out with the CyberTool and I’d been working for a couple of years in a hardware and software tech support position, so I let my parents know I was really interested in the new knife.  More than ten years later, it’s still serving me well.

The last knife that I usually have on me (also in my laptop bag) is a Columbia River Knife & Tool Rollock, which doesn’t appear to be for sale anymore.  It’s got an interesting opening mechanism; instead of unfolding, the blade flips up a little and slides out of the body, locking into place at its fullest extent.  It’s mostly in my laptop bag because it’s very slim, so it doesn’t take up much extra room and it’s handy if I’ve forgotten my Myerchin somewhere.  Because it’s got a completely straight blade, it’s less of a pain to sharpen than the Myerchin, so it’s usually the sharpest knife I have on me, which sometimes means I use it instead of the Myerchin even if I have both with me.

This one was a gift from my youngest sister at her wedding as thanks for being a groomsman and playing trumpet in the wedding.

Just today I found about GTFS, a standardized data format from Google for describing public transit schedules.  I subsequently discovered that the MTA has a GTFS feed.

Back when I didn’t have a car, I used the MTA daily and had a set of scripts to extract their schedule data from the website and import it into trainsched on my Palm Pilot.  I asked them for more structured data at one point but was rebuffed, so I stuck with my scripts that had to be updated every time they changed their schedule pages.

I don’t have a Palm Pilot any more (and trainsched doesn’t even run on the PalmOS emulator on my WebOS phone), but I thought it would be nice to update my old scripts to use the new GTFS feeds.  This should even work with other GTFS feeds; there’s nothing really MTA-specific going on.

The updated scripts are here: GTFS to trainsched converter.

I’ve been having intermittent problems with my car that have now stumped two mechanics, so I’m turning to the Internet for advice.  I have a 1996 Jeep Grand Cherokee, with Selec-Track four-wheel-drive and a 6 cylinder engine.

The problem I’m having is that the engine will sometimes just stall (the motive power goes away and the engine RPMs drop to zero).  It only seems to happen right after starting the car (so the engine hasn’t warmed up yet), and it’s much more common in wet weather (rain, snow, heavy fog).  Often times, I can feel the engine losing power and can prevent a stall by stepping on the gas pedal.  If the engine actually stalls, I have to wait at least a minute to restart it; if I try restarting it immediately, I hear the chug-chug-chug of the starter, but the engine won’t start running.

I’ve had a few times when the stalling seemed to hit as I was braking, just as the automatic transmission was downshifting from second to first gear.  I’ve had the car sall at times apparently unrelated to shifting, though.

This morning, it was particularly bad.  I barely got out of the parking lot at home (after several stop/wait/restart cycles) before the engine stopped being useful—it would only run for 30–45 seconds before stalling, and I couldn’t prevent the stall.  I had the car towed to a mechanic, but by the time they took a look at it, the engine started and ran normally.  They couldn’t find anything wrong with the engine, and there were no codes from the onboard diagnostics.

The coolant system has a slow leak (my regular mechanic tracked it to the water pump, I think), but I’ve had that for over a year now and I doubt it’s related.  In the time since the problem first manifested, I’ve had a system tune-up (including replacing the spark plug wiring, apparently a common contributor to problems such as these), had the oil changed, had the transmission fluid changed, and had a (presumably unrelated) badly-leaking coolant hose replaced.

Any suggestions on what to look for to fix this will be gladly accepted.  I’ll be cross-posting this to several social media sites; responses there are fine, or just send an email to phil_g@pobox.com

Update 2010-01-02: I’ve gotten a number of suggestions for problem areas that could be causing this problem.  The most-suggested item was the fuel filter, which I haven’t replaced since I got the car five years ago, so I’m taking care of that to start with.  I’ll see how well the car behaves with a new filter.  Other suggestions have included the idle valve, O2 sensor, or fuel pump.  If replacing the fuel filter doesn’t work, I’ll check out some of the other possibilities.

Update from late 2010: The problem turned out to be the engine computer.  It was failing to set appropriate engine parameters under various circumstances, particularly when it was wet.  It took a lot of trial an error to get to this diagnosis, and my mechanic said this was the first he’d ever seen this particular problem.

I’ve been contributing to Kiva for a number of months now, and am sufficiently appreciative of them to want to tell others about them.  The short version is that Kiva is a distributed, peer-to-peer microlending non-profit with the goal of alleviating global poverty.

§ Microlending

Microfinance is the practice of providing financial services to people in low-income parts of the world who are not generally considered profitable-enough customers to warrant service from traditional banking institutions.

Microlending (or microcredit) is a subset of microfinance that provides loans to low-income people, typically entrepreneurs in low-income area of the world, who do not have access to loans from traditional banking sources.  Sometimes there simply are no banks in the area, but more typically the entrepreneurs don’t make enough money to qualify for loans, don’t have sufficient collateral, or don’t have a sufficient credit history.  Modern microlending started in the 1970s with the Bangladesh-based Grameen Bank.

The advantages of microlending over traditional aid programs are in its benefits to developing economies: it encourages growth of local businesses, puts more money into local economies, encourages local employment opportunities, and gives entrepreneurs a foothold to establish their businesses and a credit record.  In some areas, it provides an alternative to tribal moneylenders, who charge high interest rates and respond to repayment failures with physical violence.  In short, traditional aid addresses people’s basic needs: food, shelter, clothing, education, sustainable agriculture; while microlending works on the next step of growing local economies.

§ Kiva’s contribution

Kiva was created as the first distributed, peer-to-peer microlending organization in the world.  It’s peer-to-peer because all Kiva does is list loan applicants on their website; it’s up to the users of the website to supply the money to fund the loans.  As the loans are repaid, those repayments go to the people who supplied the money.  Kiva is distributed because the funding for any given loan is made up of contributions from many different Kiva users.  (And as the loan is repaid, each contributor is repaid according to his or her portion of the overall loan.)

The actual process is a little more involved.  Kiva doesn’t make loans directly.  Instead, they partner with microfinance institutions (MFIs) in other countries.  The MFIs accept loan applications, evaluate the applicants, disburse loans, and collect payments.  During this process, the MFIs tell Kiva about the loans in batches, Kiva lists the loans, collects the contributions from Kiva users, and sends the money to the MFIs.  When the MFIs collect money, they send the payments (again, in batches) to Kiva, which distributes the payments to the loan contributors.  The MFIs often fund the loans before telling Kiva about them (to avoid the delays in the funding process and get the money to the applicant quickly), and then backfill the accounting once the loan is actually funded.  In some cases, a loan will expire on Kiva without being fully funded; when that happens, any contributors will have their contributions refunded, and if the MFI already disbursed the loan, they will have to find another source of funding for it.

§ Loan repayment

When payments are received on a loan, the money is made available to contributors as “Kiva Credits”.  If you have Kiva credits, you can apply them to a different loan, donate them to Kiva itself, or transfer them into a PayPal account.

§ Defaults

Because most loans are made in developing areas of the world, if someone defaults on their loan, there is often no workable legal recourse for requiring repayment and the people who contributed to the loan are not repaid.  The MFIs do research on the applicants before granting loans, and do a generally good job of selecting people who will repay their loans.  Kiva has an overall default rate of about 2%.  (For comparison, in 2004, the federal Small Business Administration, which makes loans to small businesses in the US, had a 2.4% default rate, which has hit 11.9% with the recession.)

This does mean that any loan made through Kiva carries the risk of losing the money contributed.

§ Interest

Kiva does not collect any interest on its loans.  Consequently, Kiva users will only get back exactly what they put into the loan in the first place, unless the loan defaults.  This means that anyone contributing to Kiva loans over a long term can expect to lose some money to defaults.  Because Kiva is operated as a non-profit organization with the goal of alleviating poverty, they don’t feel it is appropriate to add interest payments to the loans they fund.

The MFIs that Kiva partners with do charge interest, however.  The interest that they charge pays for their staff and administration costs.  Typically, they charge a small percentage of the loan in interest, plus a flat fee to cover the effort necessary for any loan, regardless of its size.  This includes things like interviewing applicants and researching their financial history and dependability.  Because the loan amounts are small, that fee often adds a noticeable percentage to the loan, leading to interest rates that seem surprisingly high.  The average interest rate on Kiva is about 35%, but I’ve seen rates as high as 50%.

The MFI interest rates are another reason that Kiva doesn’t charge interest themselves; they don’t want to add any more to the borrower’s repayment load.

For each of its partners, Kiva shows both the average interest rate for that MFI and the median interest rate for other MFIs in the same region.  People worried about the high rates are encouraged to check up on the MFI before committing to a loan.

§ Kiva’s Funding

Since Kiva doesn’t collect interest and they apply all of a contributor’s money to the loans themselves, they rely on donations to keep running.  After you contribute to a loan, they ask for a donation and suggest an amount equal to 15% of your loan contribution.  You have the option of choosing a different percentage (including 0%) or specifying a particular dollar amount.  You can also give the repayments on your loans to Kiva as a donation, either manually (by donating your Kiva credits) or automatically (by specifying that all repayments should be automatically donated).

Kiva is a 501(c)3 nonprofit, so all donations are tax-deductible, although loans are not.  (As mentioned above, loans are not even guaranteed to maintain value.)

§ Criticism

I feel it would be unfair to talk about Kiva without acknowledging that some people have criticisms of the microlending process.

The most common criticism about microlending in general is the high interest rates.  Kiva does as well as it can in this area, recognizing that MFIs need to charge enough to fund their activities, but also being as transparent as possible about what is being charged.  Kiva also periodically reviews their partners’ claims and practices.  (They have closed relations with at least one partner because of fraud—not interest related, in this case; the partner was claiming much higher amounts on its loans than it was actually disbursing.)

Conversely, some people argue that Kiva should themselves be charging interest.  I can’t find the article now, but I read a piece a while back that argued that when microfinance funding organizations like Kiva pay interest, contributors change from a “charity” mindset to an “investment” mindset and end up putting more money into system.  Personally, I think that the charity mindset is a better fit here.  If the goal is to alleviate poverty, then helping people establish businesses with as few impediments (including additional interest) as possible is a better approach than one that is beholden to the best return on investments.

There are also claims that microlending doesn’t help all that much.  There was an article in the Boston Globe a few months ago titled “Small change: Billions of dollars and a Nobel Prize later, it looks like ‘microlending’ doesn’t actually do much to fight poverty”.  Despite the inflammatory subtitle, the article is reasonably balanced.  It refers to two unpublished papers about studies that concluded that microlending is not as effective as many people think.  For one thing, I’d want to wait until the papers are published; peer review is likely to shake out any methodological problems in the studies.  But the article points out that the studies found that microlending did make a difference for a lot of businesses and helped them either establish themselves or grow.  It’s not a panacea—if for no other reason than that the eligibility requirements for “who can take out a loan and be counted on to repay it if there’s little government enforcement to rely on” mean that only a small part of the population will be considered in the first place—but it is a step in the direction of helping establish functioning local economies in poor regions.  The article provides a number of pro-microfinance perspectives, most of which boil down to, “The studies show that microlending isn’t magic, but it’s a useful tool—as long as you understand that it isn’t magic.”

Kiva in particular was the target of some criticism recently when they began offering loans to entrepreneurs in the US.  Many people felt that people in the US are either well-served by the standard banking system or have access to many government programs and would not get much additional benefit from a microloan.  I tend to regard this as a place where it’s best to give people the ability to make their own decisions.  Kiva felt that there was benefit to offering loans in the US, and those who agree with them can now participate in those loans.  Those who disagree have no obligation to fund US loans, and there are plenty of available loans in poorer countries.  (There was a time when Kiva funded every loan it offered and sometimes ran out of new loans to fund.  These days, there’s more demand, and loans do periodically expire unfunded.)

§ Conclusion

I think that Kiva provides an important service to developing areas of the world, and I put a portion of my charitable giving into the site each month.  Personally, I don’t plan to take money out of it; what I put in goes either towards funding more loans or donations to keep Kiva running.  Other people have different financial approaches, of course.

Kiva also isn’t the only place I donate.  In addition to local giving, I also contribute to more traditional aid organizations, because microlending is only effective if people are already healthy, educated, and empowered.  For giving along more traditional lines, I recommend Heifer International, which mostly focuses on sustainable agriculture in developing regions.

§ Competition

Kiva was the first peer-to-peer microlending website, but many others have followed in its footsteps, and some of its competitors take different approaches to microlending.  If you don’t like Kiva, there might be another organization that’s a better fit for you.

• The Microfinance Gateway is a large database of microfinance organizations, including aggregators like Kiva.  It contains links to many more organizations than I’m going to link to here.
• United Prosperity doesn’t directly give contributed money to borrowers; it uses that money as collateral for traditional bank loans.  They feel that this approach is better at integrating people into the traditional banking system.
• The Rotarian Action Group for Microcredit works to assist Rotary groups with setting up their own microlending operations.
• MicroPlace collects interest on its microloans, so contributors earn a return on their contributions.
• Prosper is a more general peer-to-peer lending broker.  Contributors can use it either as a general investment fund or a broker for choosing individual loans to fund.  Anyone with a decent credit score can request a loan, which is bid on by lenders.

§ My Kiva History

If you want, you can look at my lender page on Kiva.  So far, I’ve contributed to 11 loans:

• Ibrahim (last name withheld for privacy) in Lebanon:  Owns a sewing factory.  Currently 58% repaid on a $3,000 loan.
• Neang Soknoeun in Cambodia: Weaves and sells groceries.  Currently 33% repaid on a $700 loan.
• Khosiyat Kuldasheva in Tajikistan: Sells foodstuffs at a local market.  Currently 37% repaid on a $3,000 loan.
• Harriet Namugabo’s group in Uganda: A 5-person group who are collectively responsible for the loan.  The leader sells medicines.  Currently 66% repaid on a $875 loan.
• Lilane (last name withheld for privacy) in Lebanon: Owns a clothing store.  Currently 24% repaid on a $1,000 loan.
• Emélido Oporta Alvarado in Costa Rica: Raises cattle.  Currently 0% repaid on a $1,175 loan.  (His payment schedule is one payment every six months.  The first one is due next April.)
• Efrain (last name withheld for privacy) in Peru: Grows and sells potatoes and raises cattle.  Currently 0% repaid on a $1,200 loan.  (He doesn’t have a monthly payment schedule; the entirety of the loan is due next March.)
• Felix Alberto Tórrez Machado in Nicaragua: Runs a cybercafe.  Currently 13% repaid on a $975 loan.
• Anonymous in Iraq: Runs an auto repair shop.  Currently 0% repaid on a $3,000 loan.  (First payment is due in January.  Kiva also notes that government regulations on foreign loans are murky and they might not be able to receive the money from the borrower’s payments.  I figured it was good to support a business in Iraq, though, so I accepted the risk.)
• Nuevo Amanecer Group in Bolivia: a 13-person group who would be collectively responsible for the loan, with various jobs.  Loan expired before being fully funded and my contribution was refunded.
• Gaibullodjon Sobitov in Tajikistan: Processes and sells dried apricots.  Currently 70% raised on a $1,500 loan, with 2 days before the loan expires.