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1 13 DOWNPAYMENT PROGRAMS DOWNPAYMENT ASSISTANCE PROGRAMS These guidelines apply to all downpayment assistance loans offered at the Commission Details for Home Advantage Downpayment Assistance Program can be found on page 13.9 PROGRAM DESCRIPTION All downpayment assistance programs offered at the Washington State Housing Finance Commission are community second mortgages and must be used in conjunction with a Home Advantage first mortgage. Each Downpayment Assistance program offered at the Commission receives funding from different sources including, but not limited to federal funds (HOME, CDBG), state funds, city funds (housing levy) and the Commission s Program Investment Funds. Additional guidelines per the individual program manuals also apply and are required as per the source of funds for the downpayment assistance program. MAXIMUM INCOME LIMIT, LOAN AMOUNT & MORTGAGE DETAILS Please refer to the individual downpayment assistance manual for terms. Downpayment assistance program loans are not assumable. Minimum Loan amount of assistance is $1,000. When the borrower is required to make payments, the late charge is 4%. PROGRAM ELIGIBILITY 1. First Mortgage must be a Home Advantage FHA, HFA Preferred, Standard Fannie Mae, USDA Rural Development, VA, or HUD 184 Loan. 2. Income levels must meet the downpayment assistance programs requirements (see limits in each manual); Please note: Income limits for the 1 st mortgage will be different. The Borrowers must meet both 1 st and 2 nd and income limit guidelines. 3. With the exception of both options for the Home Advantage dpa program, the Borrowers must be a first time homebuyer (have not owned and occupied in the past 3 years) or purchase in a Targeted area of the state. 4. The Borrowers must demonstrate a need for assistance with the exception of the Home Advantage dpa program at 0% interest. (Rev. 12/7/15) DOWNPAYMENT PROGRAMS 13.1
2 COMBINED LOAN TO VALUE (CLTV) AND TOTAL LOAN TO VALUE (TLTV) FHA, HUD 184 Cannot exceed 100% of FHA s acquisition cost. FHA s acquisition cost does not include 2 nd mortgage fees. HFA Preferred CLTV of 105%. VA Cannot exceed 100% of the lesser of sales price or Notice of Value, plus eligible closing cost. USDA Rural Development 102% of appraised value with finance Guarantee Fee or 100% when Guarantee Fee is not financed. RESERVES (NOT APPLICABLE TO THE HOME ADVANTAGE DPA PROGRAM AT 0% INTEREST) The Borrower(s) may keep, but are not required to have up to 3 months PITI (including the projected payment on the downpayment assistance loan if applicable) or $5,000 (whichever is greater) in liquid checking and savings account after loan closing. BUYDOWNS Lenders may not offer rates lower than the ones published on our Website and reserved on the Mitas system. Further buydowns are not allowed. RESERVATIONS Reservations for downpayment assistance loans are usually made on the MITAS system at the same time as the first mortgage loan reservation. Funds are reserved on a first-come, first-served basis. Loan originators may reserve the maximum allowable amount per the program guidelines for their borrower since cash to close cannot be exactly determined at loan reservation. A reservation for downpayment assistance can be made on-line at any time prior to submission of a pre-closing compliance package. Increases in the reservation amount are subject to the availability of funds. If funds are not available, our Website will indicate if we are taking a wait list. (Rev. 08/10/15) DOWNPAYMENT PROGRAMS 13.2
3 INCOME CALCULATION The source of funding determines how income is calculated for the program. Please refer to the correct downpayment assistance manual for the type of income used for the program. Compliance Income Please refer to the individual downpayment assistance manual to see if the downpayment assistance program uses compliance income. Current downpayment assistance programs using compliance income include Seattle, ARCH and Tacoma DPA. The calculation used to determine compliance income is the same as the calculation used to determine compliance income for the Mortgage Credit Certificate Program and the House Key first mortgage as shown in Section 3 of the House Key Manual which uses future anticipated income for all household members over the age of 18. Please contact the Commission if you need assistance calculating compliance income. After the applicant s income for the Second Mortgage has been calculated, refer to the Maximum Income Limits chart in the individual downpayment assistance manual to determine if the applicant is at or below the income limit. Credit Underwriting Income Please refer to the individual downpayment assistance manual to see if the downpayment assistance program uses credit underwriting income. Current downpayment assistance programs using credit underwriting income include both options of the Home Advantage dpa, HomeChoice, House Key Veterans, and Opportunity DPA. When using Credit Underwriting Income, the income for the downpayment assistance program is different than the income used to determine income for the Mortgage Credit Certificate program which uses household Compliance income as shown in Section 3 of the MCC and House Key Manual. For downpayment assistance mortgages using Credit Underwriting Income only, income is calculated according to the investor s (FNMA, FHA, VA) underwriting guidelines. The lender should then refer to the Maximum Income Limit in the manual to determine if the borrower is at or below the income limit. A copy of the underwriter s signed income worksheet or loan approval reflecting final income figures must be included in the Pre-Closing Compliance Review File. (Rev. 05/27/15) DOWNPAYMENT PROGRAMS 13.3
4 CALCULATING DOWNPAYMENT ASSISTANCE LOAN AMOUNT For the Home Advantage downpayment assistance loan, the loan amount cannot exceed 4% of the total gross loan amount of first mortgage. No Needs Assessment or Subsidy Worksheet is required. For all other Commission second mortgage programs including Home Advantage up to $10,000: The downpayment assistance loan amount is the lesser of: A) Amount of need as established by the Needs Assessment Form (based on maximum financing) or the Subsidy Worksheet (based on gap financing) calculated by the underwriter; or B) Maximum loan amount per program NEEDS ASSESSMENT OR MORTGAGE SUBSIDY WORKSHEET FORM (NOT APPLICABLE TO HOME ADVANTAGE DOWNPAYMENT ASSISTANCE PROGRAM AT 0% INTEREST) The underwriter will calculate the Needs Assessment Form or Mortgage Subsidy Worksheet Form located in the Forms section of the Downpayment Assistance Manuals at underwriting approval to determine the exact amount of funds needed. The Needs Assessment Form or Mortgage Subsidy Worksheet Form should be completed using a current VOD or bank statements and should be adjusted as the borrower s situation changes. The underwriter will determine the down payment, closings costs, additional costs, and pre-paids as shown on Needs Assessment Form or Mortgage Subsidy Worksheet Form. These figures should match 1003 and underwriter s loan approval. The underwriter determines the amount of cash required by the Borrower to close the transaction. Stocks, bonds, IRA s, 401(k)s, mutual funds, life insurance policies, annuities liquid assets, and any other type of account causing a penalty in order to access are not included in the calculation. The Mortgage Lender will then subtract out seller and Mortgage Lender contributions. The Mortgage Lender then determines liquid assets available to borrower in checking/savings accounts. The Mortgage Lender will list out separately gift letters if gift has not already been verified in checking account. The earnest money, lender deposits and paid out of closings should be listed separately if the money has cleared the bank based on VOD or bank statement. These figures should match the 1003 and underwriter s loan approval. Subtract the allowed liquid reserves from the total amount of verified assets available at underwriting approval. If the amount is less than or equal to 0 enter 0 on Line F of Needs Assessment Form or the Mortgage Subsidy Worksheet. The underwriter calculates the shortage of cash to close based on the total cash required to close (Line E of Needs Assessment Form or Mortgage Subsidy Worksheet Form) from Total Assets Available to Close minus up to 3 months PITI or $5,000 whichever is greater (Line F of Needs Assessment Form or Mortgage Subsidy Worksheet Form). (Rev. 12/07/15) DOWNPAYMENT PROGRAMS 13.4
5 ELIGIBLE USES OF DOWNPAYMENT ASSISTANCE FUNDS Downpayment Assistance funds are used for downpayment, closing costs, and pre-paids. Downpayment Assistance funds cannot be used to buy either the first or second loan down. Downpayment Assistance funds cannot be used to pay off bills or liens of the borrower. If the borrower is required by underwriting to pay off bills in order to qualify, these items must be paid by the borrower. Please provide a copy of the loan approval with the total of the bills to be paid by the borrower as required by underwriting. This amount must match the amount on the Closing Disclosure or HUD-1 Settlement Statement(as applicable) Downpayment Assistance funds cannot be used to replenish the Borrower s bank account if they do not have reserves in the bank after closing. Downpayment Assistance funds cannot be used to pay for repairs to property. Furthermore, if Borrower chooses to pay for repairs from their own funds, escrow holdbacks must be for an exact bid from contractor. In order to avoid cash back, escrow cannot over collect borrower funds (i.e. 1/ ½ times). Please refer to Page 2.5 (Escrow Holdbacks) and Page 4.2 (Acquisition Cost). Downpayment Assistance funds cannot be used to pay the difference between the sales price and the appraised value. Downpayment Assistance funds cannot be used to pay for short sale negotiation fees, attorney fees or any other similar fees. In order to avoid cash back issues at closing, the Mortgage Lender should re-calculate the Needs Assessment Form or Mortgage Subsidy Worksheet Form where applicable after receiving an estimated closing statement. Adjustments should be made to the loan amount if necessary prior to releasing loan documents. If in doubt, it is always a good idea to reduce the loan amount slightly than risk the chance of the borrower receiving cash back. On the Mortgage Subsidy Worksheet, if the borrower s front-end ratio (PITI/Income) is less than 25% based on the appropriate income for the downpayment assistance program, the underwriter will decrease amount of subsidy to bring up the front-end ratio to acceptable assistance base levels for gap financing. If the borrower fails to meet the ratio test, then the underwriter can proceed using the appropriate Downpayment Assistance program that uses the Needs Assessment Form or the Home Advantage Downpayment Assistance Program at 0% Interest. CASH BACK The intent of the Downpayment Assistance Loan is to provide the funds necessary to close the transaction and not to provide cash back to the borrower. In no event will downpayment assistance funds result in cash back to the Borrower. Mortgage Lender should advise Borrower upfront that if a check is presented to them at closing when using a downpayment assistance mortgage funds, and the check exceeds the amount(s) that they originally paid in to the transaction via required earnest money and lender deposits, that they should refuse the check. (Rev. 01/07/16) DOWNPAYMENT PROGRAMS 13.5
6 With the exception of the Home Advantage dpa program at 0% Interest, the Borrower should also refuse the check if the amount of the total refund plus their current liquid assets in the bank will result in more than 3 months PITI or $5,000 whichever is greater in reserves. In the event that there is a refund to the borrower at closing and the refund plus the Borrower s remaining liquid assets exceed 3 months PITI or $5,000 whichever is greater, the Lender may apply the refund amount towards the principal balance of the 2 nd mortgage or lower the amount of assistance and redraw the loan documents. If it is then determined that cash back was given to the Borrower, ServiSolutions will not purchase the Mortgage Loan unless the second mortgage note is lowered accordingly and within the allotted time frames. CLOSING AND DELIVERING THE LOAN Program Application Fee. There is a $40.00 program application fee for all downpayment assistance loans. This amount will be subtracted from amount reimbursed to the Mortgage Lender. This fee must be disclosed on the second mortgage documents. Funding and Delivery. Participating lenders fund the second mortgage at loan closing. The funding and delivery procedures are as follows: 1) Second mortgage Notes and Deeds of Trust are originated under the Commission s name; 2) ServiSolutions will purchase loans with a copy of the Deed of Trust with the original recorded copies to follow. HUD COMMITMENT LETTER FOR FHA LOANS Per HUD ML # dated May 9, 2013, the Washington State Housing Finance Commission has, at or before closing, incurred a legally enforceable obligation to provide the funds for the Borrower s required Minimum Cash Investment. A Commitment Letter will be sent to the originating Lender in compliance with FHA s insurance requirements applicable to secondary financing transactions. This letter will be sent electronically to the Contact Name who reserved the funds in the Mitas system after the loan is Approved To Close. FHA INSURANCE AWARD LETTER The Commission has agreed to loan to the Borrower a Second Mortgage Loan on the terms as shown on the Mitas system. An Award Letter to satisfy the requirements of HUD Handbook B.5.a will be issued to the Borrower(s) by the Commission when the loan is Approved To Close. (Rev. 01/07/16) DOWNPAYMENT PROGRAMS 13.6
7 INSURANCE REQUIREMENTS Hazard Insurance. Hazard insurance is required sufficient to cover both the first and second mortgages, or the maximum insurable value of the property whichever is less. The policy must contain a guaranteed replacement cost endorsement. Binder must indicate the first loan be payable to ServiSolutions using the standard Mortgagee clause as written as shown on Page 2.6. Please refer to Page 2.6 for more information. Title Insurance. Title insurance coverage is required for the first mortgage only. The second mortgage appears as a lien of record in second position when the policy is issued. As title insurance is not required for the second mortgage, the lender is not allowed to charge a title fee on the second mortgage. PAYMENT STATEMENT On the second mortgage, the Borrower receives a separate monthly statement from ServiSolutions. PAYOFF OF SECOND MORTGAGE All second mortgages are due and payable upon sale, refinance or transfer of the property as shown in the note and deed of trust for the downpayment assistance program. If the Borrower(s) refinances, the second mortgage must be paid off in full. The Commission will only subordinate our second mortgages in conjunction with a Home Advantage first mortgage if program is available. The Borrower(s) should contact ServiSolutions on their first mortgage for payoff information and their second mortgage as applicable. TRID GUIDANCE Please follow your own company s compliance guidelines for TRID and RESPA. The loan is subject to repurchase if the loan is not eligible for pooling or is audited and found to not be in compliance. As a courtesy to our lenders, we have a 0% TIL on our website for loans that meet the partial exemption. We also added Loan Estimates and Closing Disclosures if your system is unable to generate them. You are also welcome to use your own forms as applicable. These forms are made available as a courtesy to our lenders to use at lender s own discretion. Please feel free to use these disclosures or those provided by your Lending Institution. The Commission makes no representation regarding the accuracy or compliance of these forms with regulatory requirements. Please check with your own company s compliance department regarding whether these forms satisfy your compliance requirements. (Rev. 12/07/15) DOWNPAYMENT PROGRAMS 13.7
8 By using these forms, you are agreeing that the Commission and its employees assume no responsibility for, and that you will hold the Commission and its employees harmless from, any claims or expenses that may be related to or arise from any violation of law arising from your use of these forms. In most cases, a Loan Estimate and Closing Disclosure will be required on amortizing loans, loans with deferred interest with an interest rate, and loans with deferred payments at 0% that are over the 1% fee, but that is up to your own company s interpretation of TRID. If the Commission is uncertain regarding the documentation presented we may request a letter from your corporate to verify your loan closing documents meets TRID compliance guidelines. (Rev. 12/07/15) DOWNPAYMENT PROGRAMS 13.8
9 13 DOWNPAYMENT PROGRAMS HOME ADVANTAGE DOWNPAYMENT ASSISTANCE Please see Section 13 (Downpayment Programs) for all other terms and conditions. PROGRAM ELIGIBILITY 1. Eligible Borrowers who purchase within the state of Washington and meet the guidelines below. 2. No requirement for reserves 3. No Needs Assessment or Subsidy Worksheet required. MORTGAGE DETAILS Interest Rate 0% simple interest, payment deferred Loan Term 30 years Maximum Loan Amount 4% of 1 st mortgage total gross loan amount Repayment Due at the time of sale, transfer, refinance or 30 years. Eligible households may qualify for a maximum loan amount of up to 4% of the first mortgage total gross loan amount in all counties towards downpayment and closing costs. Borrower is not required to take the full 4%. INCOME LIMITS To be eligible for a Program loan, an applicant's income must not exceed the following Program Income Limits at the time of loan closing: Statewide: $97,000 INCOME CALCULATION This downpayment assistance program uses Credit Underwriting Income for the Home Advantage 2 nd mortgage. Please see page 13.3 of manual A copy of Automated Underwriting System (AUS) and underwriter s signed 1008/ LT/VLA reflecting final income figures must be included in the Pre-Closing Compliance Review File. (Rev. 06/14/13) DOWNPAYMENT PROGRAMS 13.9
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By ReBecca M. Knight
photogRaphy By eRic levin | September 29, 2014 | People
Brian Halligan spearheads breakthrough marketing technology and the Silicon Valley of the East with his company, HubSpot.
Brian Halligan's customer centric vision of the future is transforming the world of marketing and turning the Hub into a tech hot spot.
Some people consider it a coincidence when, after researching a product online, they receive an e-mail offering exactly what they were just looking for. But Brian Halligan knows it's no fluke. It's the work of HubSpot, his Cambridge based company, which provides marketing research software that has some industry insiders touting Halligan's baby as the next Google, Amazon, or eBay. But HubSpot and Halligan are headquartered far, far from the Golden State. "I'm tired of people talking about Silicon Valley," he says. "I want to bring Boston back."
HubSpot's future looks bright. Founded in 2006 by Halligan, 47, and his MIT Sloan classmate Dharmesh Shah, 46, who now serves as the company's chief technology officer, HubSpot has to date raised $100 million. It boasts more than 11,000 customers in 56 countries and has 700 employees, working mainly in Kendall Square. Last year the company's revenue rose 48 percent to $77.6 million, and in late August HubSpot filed for a $100 million IPO.
Halligan at Inbound 2013, his company's four-day conference.
Of course, there's a reason for this: HubSpot is rapidly transforming the way small and mediumsize companies attract, retain, and connect with customers. "Humans have radically changed the way they shop for things," says Halligan. "Cold calling, mass e-mailing, advertisements—those don't work anymore. It's now a question of: How do you pull people in?"
HubSpot offers content management tools for creating and managing blogs and landing pages for midmarket companies; search engine optimization applications that help potential customers find those blogs and landing pages; and dashboard tools that analyze how well this process of customer engagement is working. In addition, HubSpot provides consulting services that help managers learn inbound marketing tactics, which aim to attract and engage potential customers instead of interrupting their lives with traditional advertising. For example, say a consumer is looking for beginner yoga classes. If she Googles the topic, up will pop local studios and blogs (which are HubSpot customers) with targeted options—and maybe she'll even receive that perfectly timed e-mail from a studio in her neighborhood.
The HubSpot offices.
The company also hosts an annual four-day conference at the Boston Convention and Exhibition Center called Inbound. In late September of this year, the event featured speakers like Martha Stewart and Malcolm Gladwell. But one of the most popular speeches was by Halligan himself—who packed the room, no problem.
"HubSpot is truly a disruptive technology," says Beth Best, a marketing executive at ConforMIS, a manufacturer of customized knee implants. "I see it as a profound game-changer in the way in which we market and engage with our customers. We can see in real time what's happening with all of our campaigns, allowing us to make smart investments that effectively target our multiple stakeholders."
Halligan's professional vision took root early on. He grew up in Westwood, near Route 128—dubbed "America's Technology Highway." His dad was an engineer at General Electric and later ran marketing for BBN Technologies; his neighbors had jobs at local powerhouses like Digital, Prime, and Wang. After graduating from the University of Vermont with a degree in electrical engineering, Halligan landed a sales job at Parametric Technology, a Needham-based software company. There—at the age of 25—he was asked to build up the company's Asian business, first in Tokyo and eventually in Hong Kong. When he moved back to the US, he did a stint at Groove Networks, a software firm that was acquired by Microsoft, and then enrolled in the MIT Sloan School of Management.
Part of Halligan's collection of sports memorabilia.
It was there that he met his cofounder. Recalls Halligan, "Dharmesh—in a moment of uncharacteristic extroversion—came up to me in a class and said, 'Let's work on a project together.' We just clicked." As students, the pair entered HubSpot in a business plan contest and… drumroll… did not win. But they kept hammering away at the idea each week. Michael Cusamano, a professor at MIT Sloan, taught both founders and has watched HubSpot from the start. "Brian strikes me as extremely thoughtful," he says. "He realizes the world is changing."
After they graduated, Halligan and Shah rented a small office at the Cambridge Innovation Center, hired some programmers, and began to pitch to potential customers. Today the office features a soda fountain and cereal and candy walls (all free) and teems with young graduates, sporting flipflops and shorts, who know that at any given time they could find Halligan sitting next to them for the day—working but listening to his staff, too.
"We just kept iterating and cranking, and slowly but surely it turned into this," Halligan says, stretching out his arms and looking around at HubSpot's trendy orange-hued offices. "Every day we got a little bit better. That's what we're still doing today."
December 6, 2018
November 16, 2018

subset: commoncrawl


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Solid, cinematic images
Superb 3D performance
Great 2D detail and excellent colour
Good quality video
Full HD support (1080p) on a smaller screen.
Strong overall value
Wafer-thin thickness
'Very smooth panning. '
'juicy picture'
'Reds and greens are especially vibrant and searing, even after a thorough bout of calibration.'
'built-in 3D processor'
Picture quality is excellent
Built-in WiFi and Ethernet connectivity options
Sleek design with a nice looking stand and minimal bezel
'already diverse LCD offerings'
'Colors are accurate and picture detail is good, but black levels could be better.'
'LED TV features an attractive single piece glass bezel'
'sleek, elegant design'
'full color and clarity'
'striking completely flat bezel'
'LG is claiming a 3,000,000:1 contrast ratio which sounds a little over the top but we'll be very interested in it considering the quality of the LGs we've recently reviewed .'
'The 47SL90 features a seamless, edge-to-edge panel and an ultra-slim cabinet depth for a look that's sure to turn heads, whether your TV is on or off.'
'You will be able to enjoy an edge-to-edge panel, which means there is no frame surrounding the display.'
ReviewGist helps you find the best products to buy by making sense of online reviews.
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covering over 29,484 products.
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text:
Lauri is a psychotherapist who works with individuals, couples and familes. She is licensed as a professional counselor in the state of Wisconsin. Lauri is the primary practitioner at Waukesha Counseling Services, a private, outpatient, mental health clinic in Waukesha, Wisconsin.
Lauri graduated from Central Michigan University in 1983, with a degree in Clinical Psychology. She worked at a private clinic in Michigan for a few years before returning to Wisconsin, where Lauri had done her undergraduate work. She then worked at public and private mental health agencies in southeastern Wisconsin. Lauri has been in private practice for over 20 years.
Relationship struggles, psychological injuries, future hopes and fears are common themes addressed in therapy. Lauri utilizes a psychodynamic and family systems approach to understand the concerns presented in therapy, and then tailors interventions with a solution focused eye toward change. Current areas of clinical interest and focus include loss, relationship challenges and decisions, stress management, mindfulness and guided imagery. Lauri is a popular community speaker on mental health issues.


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Supporting Event - Seminar on Social Capital Builder Logo Awards
Social capital is essential for the economic prosperity and sustainable development of a society. It helps build a caring society of mutual trust and solidarity, and enhances mutual support among individuals, families and organisations so that our community can grow from strength to strength.
To accord recognition to individuals, corporates/ organisations which have contributed to the development of social capital in Hong Kong, the Community Investment and Inclusion Fund (CIIF) of the Labour and Welfare Bureau organises the Social Capital Builder (SCB) Awards.
Activity information
Date: 31 Aug 2018
Time: 4:00pm – 5:15pm
Venue: 4/F Conference Hall, Hong Kong Productivity Council, HKPC Building, 78 Tat Chee Avenue
Participation Fee: free of charge


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Humboldt County Profile
- Download the complete Humboldt County Profile in PDF
"I work for social services. When my child had to be put into the regional center, I knew that once he came off the drugs (cannabis), he would be suicidal. I was able to be sure that he got services. In this county, there is very little funding, unless they are right there going to hurt another or themselves, it does not happen right away. It is not difficult to obtain services. I fall in the middle because I am not affluent or poor. I am part of the United Indian Tribes. I am of the Karuk tribe. My kids are enough Indian to get the services too. (A psychiatrist was very helpful to my son) because she is willing to take the time to listen to me and my son. She takes everything he says into account. She takes it seriously. You don't often see that. With his mental health issues, she actually listens; hears what he says. I may not hear the voices, but he does. Not being able to help them is the most difficult part about being a parent of a child with mental health problems. You can help a child when the child is [physically] hurt. You can't do that with mental health. I have learned so much. You can't just fix it like a boo-boo." – Based on an interview with family member, Humboldt County
Humboldt is one of 11 counties that participated in Unclaimed Children Revisited: California Case Study (CSS), led by the National Center for Children in Poverty (NCCP). The study examined the status of children's mental health in California. Its purpose was to identify, document, and analyze effective policies, programs, and strategies that support research-informed practices for mental health services to children and adolescents in the state.
Data for the county profiles was collected through interviews and focus groups with county system leaders and local providers. Demographic data from the U.S. Census Bureau was used, along with mental health service data, to complete the overview of mental health service utilization by children and youth in the county. Questions asked during the interviews and focus groups centered on measuring respondent views regarding current programs and services, system strengths and challenges, and policy implications. Major topics discussed in this profile include evidence-based practices; developmentallyappropriate services for young children, school-age, and transition-age youth; family and youth-driven services; culturally- and linguistically-competent services; and prevention and early intervention.
An Overview of County Leader and Provider Views*
The interviews and focus groups conducted with county leaders and providers covered a broad range of topics related to mental health services. For each topic discussed, major themes and issues emerged that shed light on the state of the mental health system in the county. In Humboldt County, 12 system leaders and three providers participated, representing the following disciplines: mental health, child welfare, juvenile justice, developmental disability, early childhood, finance, special education, and substance abuse. Below we highlight the major themes that surfaced in discussions with Humboldt County leaders and providers.
Evidence-based Practices (EBPs)
- Twelve leaders and three providers discussed EBPs, with the majority (11 out of 15) expressing support for their use.
- Eleven respondents reported that they implemented EBPs across disciplines. The most frequently cited EBP was Incredible Years, which was cited across the child welfare, early childhood, finance, mental health, and public health disciplines.
- Seven county leaders discussed the implementation of aggression replacement training (ART); six mentioned functional family therapy (FFT); and seven discussed Wraparound.
- Two providers reported receiving some training, and one provider reported implementing Parent Child Interaction Therapy (PCIT), Incredible Years, and FFT.
Developmentally-appropriate Services
- Twelve system leaders and three providers discussed services and supports along the developmental span.
- Twelve of the respondents described services for young children, 10 for school-age youth, and 11 for transition-age youth.
- The majority of respondents discussed service delivery across the age spectrum. Respondents frequently emphasized the need to enhance capacity.
- Many discussed the strength of programming, with EBPs for young children like Incredible Years and PCIT mentioned by nine out of 15 respondents.
Family- and Youth-driven Services
- In Humboldt County, 11 system leaders and three providers addressed family- and youth-driven services.
- Of the 11 system leaders, four described direct services offered to the whole family, while one discussed services being referred out and another recommended using family resource centers to help families better access services. All three providers discussed delivering direct services for family members.
- Only one respondent mentioned advocacy and youth involvement, in regards to a community advisory panel that consisted of parents. None of the respondents who discussed family services mentioned the philosophy behind the services.
Culturally- and Linguistically-competent Services
- Ten county leaders and two providers discussed culturally- and linguistically-competent services.
- Of these 12 respondents, 11 identified challenges regarding services and six identified strengths.
- County leaders reported that Humboldt lacks sufficient culturally- and linguistically-competent staff to meet the needs of the Latino, Hmong, and Native American communities.
- Providers described a shortage of Spanish-speaking mental health providers in the county.
Prevention and Early Intervention
- In Humboldt County, 11 system leaders and two providers addressed prevention and early intervention.
- Of these respondents, six identified challenges regarding prevention and early intervention, and eight identified strengths.
- Three county leaders identified assessment and screening as strengths in early childhood services, while two discussed challenges in providing routine assessment and screening.
- County leaders and providers noted a lack of sufficient funding for prevention and early intervention services.
Demographics of Children and Youth in Humboldt County
The estimated population of children and youth in Humboldt is 43,198. Forty-two percent of these youth are school-age and 39 percent are transition-age (18 to 24 years old), with an average age of 13.8 years old. The majority (70 percent) of the under-25 population are white, with Hispanics/Latinos making up the second largest racial and ethnic group (13 percent). Eighty-four percent of children and youth in Humboldt speak English as their primary language. For a more detailed breakdown of the age, race and ethnicities, primary languages, and gender of children and youth in Humboldt, refer to Chart 1.
There are 1,162 mental health service users under the age of 25 in Humboldt. Over half (58 percent) of these service users are school-age children, with an average age of 16.1 years old. Whites comprise the largest racial and ethnic group (74 percent), followed by American Indians/Alaskan Natives (11 percent). Nearly all young mental health service users speak English primarily (99 percent). Chart 2 provides further detail about age, race and ethnicity, primary languages, gender, and Medi-Cal status of service users in Humboldt.
Table 2 shows that there are some important distinctions between the general population and service users in Humboldt. The average age of service users is older and school-age children make up a larger proportion than they represent in the general population. Nearly all (99 percent) mental health service users in Humboldt speak English, while 84 percent of the general population list English as their primary language.
Type of Services Received within the Humboldt County Mental Health System
County mental health services are categorized as either community-based (day or outpatient treatment) or non-community-based (24-hour, inpatient or residential services). As defined in the Consumer and Services Information System, day services are those that provide a range of therapeutic and rehabilitative programs as an alternative to inpatient care. Outpatient services are short-term or sustained therapeutic interventions for individuals experiencing acute and/or ongoing psychiatric distress, while 24-hour services are designed to provide a therapeutic environment of care and treatment within a residential setting.
Ninety-nine percent of public mental health services to children and youth under-25 in Humboldt are community-based (see Chart 3). Of the 29,576 community-based mental health services received in Humboldt, 28,326 (96 percent) were outpatient. Chart 4 displays a more detailed breakdown of these types of services.
Overall, Humboldt's mental health service delivery system for children and youth is characterized by fairly well implemented evidence-based practices across disciplines. In particular, services for young children are seen as a strength of the system, and the use of evidence-based practice, and specifically Incredible Years, are mentioned by leaders across disciplines. To see full lists of recommendations for improving services in each of these important topic areas, refer to the full report, Unclaimed Children Revisited: California Case Study.
- Download the complete Humboldt County Profile in PDF
This profile was prepared by Shannon Stagman, Yumiko Aratani, and Janice Cooper, and is based on data from Unclaimed Children Revisited: California Case Study (Cooper et al. 2010). Data was taken from the American Community Survey, 2006 and the California Department of Mental Health, Consumer and Services Information System, FY 2005/2006.
*Because there was only a small sample of community stakeholder interviews, they have been excluded from this summary in order to protect the privacy of the respondents. For an examination of local stakeholder views, please refer to the full report, Unclaimed Children Revisited: California Case Study.


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YMCA Family Fun Night on Friday
NORWALK -- The Norwalk YMCA, 370 West Ave., will hold "Back to School" Family Fun Night from 6:30 to 8:30 p.m. Friday, Sept. 17. In addition to offering a swim in the pool, YMCA officials are planning a scavenger hunt, family karaoke, crafts and games. There also will be an opportunity to lay basketball, racquetball, Wallyball and Wii games. The event is free for Norwalk YMCA members and from $2 to $5 for others depending on their age. The first 100 people will get a free slice of pizza, salad and a drink. There also will be a cookout with hot dogs, salad, chips, drink and ice cream, weather permitting. For information, call (203) 866-4425 ext.339 or visit norwalkymca.org.
Historical Society pottery, painting
NORWALK -- Norwalk Historical Society, Inc. is offering a glimpse into the multiple forms and uses of pottery on from 11 a.m. to 5 p.m. Saturday, Sept. 25,in the historic Town House at Mill Hill Historic Park, 2 East Wall St. It will be free for visitors. There is a fee for the pottery painting. Cider and donuts will be available during the day. For more information, call (203) 846-0525 or visit www.norwalkhistoricalsociety.org.
Movie of the month
NORWALK-- The first Movie-of-the-Month screening for the fall semester at NCC will be on Thursday, Sept. 23 at 6:30 p.m. in the East Campus Forum Theatre, 188 Richards Ave. The 1955 classic drama "Marty," directed by Delbert Mann and starring Ernest Borgnine will be screened.The film won Oscars for Best Picture, Best Director, and Best Screenplay of 1955. For more information, call (203) 857-7349
IMF Revival
NORWALK -- The Interdominational of Ministers Fellowship will host a revival Sept. 22 through 24 at 7 p.m. at Grace Baptist Church, 17 West Ave. For more information, call (203) 838-5717.
Calling all runners
DARIEN -- The 31st annual Darien Road Race will take place Sunday, Sept. 19 at 1 p.m. at Pear Tree Beach. The race route, which stretches along scenic waterfront roads, includes two wheel measured events, a 10-kilometer (6.2 miles) and a 1.5 mile fun run called "The Loop." The race benefits the Community Fund of Darien, as well the Bennett Cancer Center at Stamford Hospital and the Whittingham Cancer Center at Norwalk Hospital. For more information, call (203) 655-8775, or visit www.DarienRoadRace.org.
NHS Class of 1970 to celebrate 40th reunion
NORWALK -- The Norwalk High School Class of 1970 will celebrate its 40th reunion on Saturday, Oct. 2, at the Shore and Country Club. Class members are urged to send in contact information (address, e-mail) for the "Through the Years" memory book. They also are asked to help locate other classmates. Send information or questions to Carol Hamilton at email@example.com and send photos from elementary school, junior high, high school or past reunions to Jane Gamcsik at firstname.lastname@example.com.
Class of 1981
WESTPORT -- The Staples Class of 1981 will be holding its annual "Unofficial Reunion" event on Sept. 24, 25 and 26.
The events will consist of the Staples vs Norwalk football game at 7 p.m. Friday, Sept. 24, at Norwalk High School and then Social Hour at the VFW in Westport starting at 9 p.m. The main event at the Black Duck at 7 p.m. Saturday, Sept 25. Potluck Family Picnic at Compo Beach at 11 a.m. Sunday, Sept. 26. For more information or to register, please e-mail Jeb Backus at firstname.lastname@example.com.
NHS Class of 1990 plans reunion
NORWALK -- The Norwalk High School Class of 1990 will hold its 2oth reunion at 6 p.m. Oct. 16 at Shore and Country Club. Any alumni who plan to attend should e-mail Jennifer Zinsser-Wilson at email@example.com.


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ERIC Number: EJ143147
Record Type: CIJE
Publication Date: 1976
Pages: N/A
Abstractor: N/A
Reference Count: N/A
Preferential Treatment and Equal Opportunity
Davidson, Kenneth M.
Oregon Law Review, 55, 53-83, 76
Concern is with the design of appropriately limited preferential remedies. Before considering who should formulate preferences and how their use should be limited, this article examines the definition of preferential treatment, legal constraints on its use, and factors making its use permissible. (LBH)
Publication Type: N/A
Education Level: N/A
Audience: N/A
Language: N/A
Sponsor: N/A
Authoring Institution: N/A


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Utzurrum: Of posh resorts and fab flip-flopsSun.StarCrimson Resort and Spa resident manager Kris Quadros, Lapu-Lapu City Mayor Paz Radaza, Crimson area general manager James Montenegro, Filinvest hospitality assistant VP Francis Gotianun and Archipelago Hotels chairman and Read More
India TodayDRDO's Leucoderma drug Lukoskin goes commercialIndia TodayDr Mohammad Junail of AIMIL said his company had signed an agreement with DRDO for the commercial launch of three herbal products. "Lukosin has been launched. The two other products will soon be Read More
CRISIL ratings for Indian debt instruments-Dec 19Reuters... Ltd TL CRISIL B- 190.4 Suspended Aanchal Cement Ltd CC CRISIL B 65 Downgraded from CRISIL B+ Aimil Ltd CC CRISIL BBB 340 Reaffirmed Aimil Ltd TL CRISIL BBB 30 Reaffirmed Aishwarya Cottons CC CRISIL BB- 120 Reaffirmed Read More
Financial ExpressParticle sizing — Exploring the rigour and requirements of analytical QbDFinancial ExpressAnalytical QbD (AQbD) promises to extend the rigour and benefits of QbD into the area of analytical method development. Stuart Wakefield, Director, Malvern Aimil Read More
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Part of the reason bison were so fortunate was that the remaining herds
were in private hands and the red tape that constrains the husbandry of
protected species was non-existent in those days compared to now. It's
not a good thing that a species be allowed to decline to that point (I'm
sure bison lost alot of genetic diversity and distinct geographic races)
but it's not a good thing either to snarl efforts to solve a problem
with turf battles over who should be in control. Especially when a
private citizen who is interested in working with something can invest
personal wealth as opposed to dealing with the fickle nature of public
purse strings.
Think of how much father ahead the recovery of alot of species might be
if they didn't have to compete for priority and limited resources of
govt agencies, as well as being hostage to popular whim. privatization
solves alot of these problems and I keep hearing that it is working very
well in South Africa.
Ranchers are getting rid of their cattle and turning their ranges back
into habitat for endangered rhinos and other wildlife.
> Of all tyrannies, a tyranny excercised for the good of it's victims may be the
> most oppressive. It may be better to live under robber barrons than omnipotent
> busybodies. The robber barron's cruelty may sometimes sleep. his cupidity at
> some point may be satisfied; but those who torment us for our own good will
> torment us without end, for they do so with approval of their own conscience.
> C.S. Lewis
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This is an automated email from the ASF dual-hosted git repository. cziegeler pushed a commit to branch master in repository https://gitbox.apache.org/repos/asf/sling-whiteboard.git
The following commit(s) were added to refs/heads/master by this push: new 28c809c Minor update to requirements 28c809c is described below commit 28c809ce70a589d6a0c6726441434eabc49602db Author: Carsten Ziegeler <cziege...@apache.org> AuthorDate: Thu Feb 22 17:41:51 2018 +0100 Minor update to requirements --- featuremodel/requirements.md | 3 +++ 1 file changed, 3 insertions(+) diff --git a/featuremodel/requirements.md b/featuremodel/requirements.md index 3729e21..2241748 100644 --- a/featuremodel/requirements.md +++ b/featuremodel/requirements.md @@ -60,6 +60,7 @@ The feature model is about describing a feature, aggregating features to either * SFM410 - It must be possible to specify the framework to launch an application as part of the application model. * SFM420 - When features are aggregated to either a higher level feature or an application, the resulting feature or application must still contain the variables. * SFM430 - The startup order of features and bundles must be part of the resulting aggregated application model. +* SFM440 - The feature module should support the definition of updates to an existing feature - that is, it only describes the delta to a given feature. ## Analysis Requirements @@ -85,6 +86,8 @@ The feature model is about describing a feature, aggregating features to either ## Container Requirements +These requirements are not directly related to the feature model itself, but rather running a feature based OSGi application within a container. + * SFC010 - The feature model must support operation in a container environment such as Docker. * SFC020 - The feature model must support micro-services oriented target runtimes where a single micro service runs in its own container containing only the binaries required for that microservice. * SFC030 - It must be possible to add new features by placing additional files in a container's file system. -- To stop receiving notification emails like this one, please contact cziege...@apache.org.


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Best Cruelty-free shampoo and eco brands for curly hair
Shampoos are sort of considered as the necessary evil in the natural hair community. Some usually perceive them as all stripping and only good for stunting hair growth.
Since I have made the switch to an Eco lifestyle, I have gone through a lot of cruelty-free shampoo brands. Some promised to be gentle, others growth and shiny locks!
This is a rundown of the best cruelty-free and green shampoos my daughter and I have tried.
Keep in my mind we have different textures. She has more of a loose type of curl, she is between a 3A and 3 B, I am more of a 4B.
Our hair has different behavior with different needs.
Mine tend to be drier, more prone to breakage (a little needy, it's what I mean…) Hers can get a bit dull and a little greasy.
I always pay attention to the ingredients I put on her hair, or anywhere else near her for that matter. While I tend to be more experimental with mine.
I always steer clear of products with Phthalates, parabens, sodium chloride, sulfates, animal by-products, triclosan, and PEG.
Read: 5 toxic ingredients found in shampoo and conditioner
Tea tree Tingle shampoo and conditioner by Trader Joe's
The good: It refreshes the scalp, moisturizes well. It feels like one those nice shampoo and conditioner you only get at those upscale salons! No animal products.
It's very affordable. $ 16 for the set on Amazon. 16 oz. each bottle
The bad: Phenoxyethanol.
I only use it on my hair.
You cannot get cleaner than that!
The good: Vegan, Clean ingredients list, works like a dream. It always leaves my daughter's shiny a bouncy, no residue.
The bad: The price tag! $ 40 for 12 0z. Ouch!
Nourish shampoo by Josh Rosbrook
This one is more like a treat! I use it when my hair really needs a pick me up, quick.
The good: Great ingredient list. Smells great. A little goes a long way.
The bad(ish): Steep price tag! $55 for 12 oz. Thank God for travel and sample size!
It doesn't lather.
Griffin Remedy Restorative shampoo
This is one hard worker! The brand, in general, is awesome. It's not the first time I mentioned it here.
Read: Affordable green products under 15 and 25 dollars
The good: It plays well with color treated hair. It softens the hair and defines the curls. Affordable, organic, and it's packed with vitamins and minerals. No sketchy ingredients.
The bad: None!
Any other cruelty and Eco shampoo brands you deemed the best? Please, share!
See ya!
This post might have some affiliated links. It does not raise the cost of the products for you, I just get a small commission to help maintain this blog and bring you useful article like this one! I greatly appreciate your help!


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While rural areas may develop randomly on the basis of natural vegetation and fauna available in a region, urban settlements are proper, planned settlements built up according to a process called urbanization.
Developmental policies in various countries are more concerned with poverty alleviation resulting to economic growth. Issues faced in Rural Areas — Changes in educational system as a result of what is being taught in school vary from their traditional norms.
We can get the food of our choice at hotels and restaurants. Natural Disasters Natural disasters like floods, earthquakes and landslide contribute toward rural urban migration.
When exposed to this urban life, their living conditions decline due to exploitation of resource in need of living like those in urban areas. Those people venturing in informal work are mostly rural migrants who have little skills and they earn enough income just to sustain them. Those policies supporting disproportionate increase employment opportunities and in wage rate in urban centers leads to imbalances in rural urban landscape.
Rural urban migration being flexible and dynamic phenomena cause diversification with a certain degree of commitment. This triggers their movement from rural to urban for search of better opportunities. Urban Informal Sector Unlike the formal counterpart of urban informal sector, there are activities of all kind which are unregulated and small scale in nature.
In rural areas people experience low and high global economy due to drop of prices thus their sustainability being influenced. Rural people when offered with better options of earning living which are not demanding like rural farming and which is more financially rewarding, they are likely to accept.
Businesses stay open late into the evenings in urban areas while, sunset in rural areas means the day is virtually over. There are thousands of shops in towns to cater to our needs. Conclusion Not only rural people but people in general are attracted to urban areas because they think that urban areas have better and greater opportunities than rural.
In the villages, the people live in an open atmosphere. In towns, the people often do not feel bored, as they have several means of amusement and entertainment such as visiting different places of importance, a visit to the zoo, some museum or exhibition, etc.
Depending on the country, farming gives seasonal employment with no enough income to sustain rural people thus being forced to move to urban areas in search for better and well paying jobs McCatty, 9. Rural social structure and cultural values may cause conflict among rural population forcing some people to move to urban areas.
Urban planners and decision makers are more concerned with causes and consequences of rural-urban migration and their relationship with economic growth and urbanization.
Rural-urban migration is prevalent in developing countries with its degree varying from country to country.
Informal sector has been categorized among those factors causing rural urban migration since it reduces individual risk of being unemployed once they migrate to cities McCatty, Rural-urban migration is most prevalent in developing countries.
Pull factors include employment, higher incomes, better healthcare and education, urban facilities and way of life and protection from war and conflict Goldscheider, Those people who live in rural areas eat only natural food without any food additives which damage human health.Words Short Essay on Urban Life VS Rural Life.
a visit to the zoo, some museum or exhibition, etc. In towns, people get better education as there are so many schools, colleges, universities and libraries. Essay on Interrelations Between Rural and Urban Sociology ; Essay on "Rural Life and Urban Life" in Hindi.
Unlike rural areas, urban settlements are defined by their advanced civic amenities, opportunities for education, facilities for transport, business and social interaction and overall better standard of living. causes of rural-urban migration Introduction Rural-urban migration is the movement of people from rural areas to urban centers in search of employment and better living conditions among others.
- The rural poverty topic that my group chose to address is a comparison between public education systems located in urban, suburban, and rural counties within the state of Georgia. The counties selected to research are Fulton, Cobb, and Clarke.
Urban and rural living have a lot of distinguishing features which influence the quality of life to a great extent. Urban living offers a great deal of opportunities to the people including high level of education, a wide range of employment options.
Urban vs. Rural Education; Urban vs. Rural Education.
Words Oct 18th, 6 Pages. The Effect of Rural-Urban Migration in South Africa Essay Words | 7 Pages. of rural-urban migration on the four districts of the North West province in South Africa using Manova technique.
INTRODUCTION This proposal is about the effect of rural.Download