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Department Level Data Capture Teacher Level Data Capture
Structure, Functions and Master Documentation : About IQAC Members Meeting Minutes AQARs SSR NAAC Grade Card Chancellor's Award Master Action Plan (MAP) Performance of the Institution News Letters IQAC Committees Quality Profile of UoK
General Documentation on University of Kerala (UoK) : About UoK UGC Recognition Adoption of UGC Mandate UoK Brochures and Fact Sheet Admission Prospectus Regulations Handbook Academic Handbook Graduate Attributes Video UoK Annual Reports Consultancy Brochure KU Archives
Reports : Academic Audit Gender Audit PWD Audit Library Audit Environmental/Green Audit Hostel Audit Energy Audit Annual Student Survey MOOC Reports Bench Mark Reports Student Feedback Innovations in Teaching 3-tier Induction Programme Restructuring Kerala Economy: Alternative Perspectives - Policy Document Research and Innovation Accreditation Report Curriculum Fair Policies and Charters Outreach Activities Alumni Questioning the Questions Book Release - Five Lectures on Money
Miscellaneous : Photo Gallery Science Week Celebrations 2019 eBOOK series Academic Calendar Posters Workshop List of MOOC Courses 2016 University Skill Acquistion Programme Procedure to take up GIAN II course 1000 Wiki Lights University Diary KU-TBSC Student Grievance Redressal Templates for MOU Feedback
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Accredited by NAAC with 'A' Grade
The University of Kerala was awarded the Chancellor's Award for the best University in the State, an award that carries prize money of Rs. 5 Crores and a citation and a trophy. Governor of Kerala, Justice P. Sadasivam, who is also the Chancellor of the State Universities and who played the leading role in instituting this award, gave away the award in a glittering ceremony on 16 December 2015. Sri P.K Abdu Rabb, Honorable Minister for Education, Sri Ajith Kumar IAS, Secretary to Governor, Dr. N. Veeramanikandan, Pro-Vice-chancellor, took part.

subset: commoncrawl


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'In fact, Bitcoin is a four-sided network effect. There are four constituencies that participate in expanding the value of Bitcoin as a consequence of their own self-interested participation. Those constituencies are (1) consumers who pay with Bitcoin, (2) merchants who accept Bitcoin, (3) "miners" who run the computers that process and validate all the transactions and enable the distributed trust network to exist, and (4) developers and entrepreneurs who are building new products and services with and on top of Bitcoin.'
––Marc Andreesen.


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Sundays at CCPC
During the summer months, between May and September, one worship service is held at 10:00 a.m.
The first Sunday of each month we have ACT Sundays (All Church Together).
nURSERY & SUNDAY SCHOOL
At the Chevy Chase Presbyterian Church, we welcome infants and toddlers and their parents to the Nursery every Sunday morning. The Nursery is open prior to and immediately following Sunday services in rooms 106 and 108 on the first floor, alley side of the center building.
The Nursery provides a safe and warm environment for our youngest children so that parents are free to attend services and adult education programs in the church. The Nursery is filled with age-appropriate toys. The Nursery is staffed by paid childcare employees, all of whom have had significant childcare experience and have completed the child protection training, CPR and first aid certifications that are mandatory for our caregivers. In addition, parent volunteers assist in the Nursery when additional help is needed.
During the program year (September through May), we offer a full range of Church School classes to teach our children from preschool through young adult ages important stories of the Bible, lessons of faith, and our life together using the PCUSA curriculum "Feasting on the Word" and "Growing in Grace and Gratitude." Each Sunday, children and youth are encouraged to attend the 9:15 a.m. worship service with their families and then go to their classes after the Time with Children in the service.
Several times during the program year and during the summer, third graders and up worship with our church family to celebrate communion and to experience worship with their church family. Parents are asked to complete a new Sunday School Registration Form each year either in person or online so that we have updated information on all our children. Parents pick up their children in their classrooms at 10:15 a.m. or alert their child's teacher in writing on the registration form if they are to meet their family in Chadsey Hall for brunch.
Read a complete description of our Sunday Nursery Care Program, including what to bring with your child. For questions about our church's nursery care, please contact Rev. Eric Peltz, Associate Pastor, and click here for CCPC's Child Protection Policy.
Music has always provided the people of God a natural and satisfying way to express their praises. The Ministry of Music assists every member of the congregational family in presenting an offering of praise. At CCPC, we are blessed to have several choirs/musical groups that sing during our services. Whether it is the Chancel Choir, The First Service Singer, The Revelations Guitar Group or one of the children's choirs, our worship experience is definitely enhanced by their talents.
Each week our Pastors provide timely messages that help you in your journey of faith. Check out our sermons section to get a sample of what to expect from our services.
On Sundays after each service, light refreshments are served in Chadsey Hall. Sharing food together is a wonderful way to connect socially, culturally and spiritually!


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|Buy Local or its Bye Bye Mullum!
|I love my local-ity
Mullumbimby Action Group -> latestnews -> hungrybeast
The Beast File: Woolies & Coles (HUNGRY BEAST)
View video[Video] [No-popup]
Produced by the ABC, this short dynamic documentary about "the big friendly giants" explains why 23 cents in every dollar we spend ends up in their pockets. Besides owning supermarkets, they own variety stores, electronics outlets, hardware chains, bottleshops, clubs, pubs, poker machines (Woolworths alone operate 12 thousand of these), fuel outlets and (Wesfarmers) coalmines in 3 states.Hear how the giants flex their competitive muscles and about "one of the greatest scandals ever seen in this country". 2.47 mins of compelling viewing!
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text: Here's some quick looks from behind the scenes of our video shoot this December! We would like to give a special thanks to all of our fantastic patients that helped out us and spent some time with us filming this past weekend. Also, a thank you to Dr. Boghara and Dr. DeGeorge for starting the discussion to show our patient family what Smile Culture is truly about. We can't wait to show you guys the videos later this week! 🙂


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We have addressed the "trade war" enough in other posts so we are taking a much needed break from it. I guess you could call today the "start" of the trade war in a way. It isn't going away anytime soon so we will have plenty of time in the weeks ahead.
Nonetheless, here are some good reads…
Some Considerations For Investing Globally
What's killing Big American Beer?
What does it mean to be a NASA astronaut in the celebrity space age of Elon Musk and Richard Branson?


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NYC Good Beer Month Update: Rattle n' Hum/Bar Great Harry
Don't forget all you Beer Friends out there that the Mayor decreed this month to be New York City Good Beer Month. There are events all month long including today! The Beer Friends will be double tasking today heading to Rattle n' Hum (E 33 st. just past 5th ave) for their "Cool Shit Event" and out to Brooklyn to Bar Great Harry (Smith & Sackett in the Carroll Gardens neighborhood) where Bear Republic will be showcasing their "Sour Patch" selection of brews. Follow the twitter feed to find out where we are at! We also will be live blogging both events so stay tuned to up-to-the-minute coverage of the great craft beer being served at these fine establishments. And, as always, if you're the first to find us you get a free craft brew on us!


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The Fiscalization of Social Policy: How Taxpayers Trumped Children in the Fight Against Child Poverty (Oxford University Press)
In 1970, a single mother with two children working full-time at the federal minimum wage in the US received no direct cash benefits from the federal government. Today, after a period of austerity, that same mother would receive $7,572 in federal cash benefits. This money does not come from social assistance, family allowances, or other programs we traditionally see as part of the welfare state. Instead, she benefits from the earned income tax credit (EITC) and the child tax credit (CTC)-tax credits for low-income families that have become a major component of American social policy.
In The Fiscalization of Social Policy, Joshua McCabe challenges conventional wisdom on American exceptionalism, offering the first and only comparative analysis of the politics of tax credits. Drawing comparisons between similar developments in the UK and Canada, McCabe upends much of what we know about tax credits for low-income families. Rather than attributing these changes to anti-welfare attitudes, mobilization of conservative forces, shifts toward workfare, or racial antagonism, he argues that the growing use of tax credits for social policy was a strategic adaptation to austerity. While all three countries employ the same set of tax credits, child US poverty rates remain highest, as their tax credits paradoxically exclude the poorest families.
A critical examination of social policy over the last fifty years, The Fiscalization of Social Policy shows why the US government hasn't tackled poverty, even while it implements greater tax benefits for the poor.
Available for order here.


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Musical Instruments
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So far so good! We have used the smaller BentGo Kids boxes for several years without incident (or leaks!) and needed to upgrade in size. Really love this brand!


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This week we talked to Jennifer Beale about leveraging your network, giving first, and how often you should connect with your referral partners!
Kendra: As a professional networker, you must have your elevator pitch down! Can we hear it?
Jennifer: I connect business people to lots of prospects in a short amount of time. My favourite strategy is live events – other people's events and mine, which are two of Toronto's largest business networking events. I also make connections for people in my network on an ongoing basis.
Kendra: That's pretty succinct! I personally believe that telling your story effectively is one of the best things you can do for your business. You help your clients do this every day; what's your best advice for getting started?
Jennifer: Personal stories draw people to you.
Your life is a series of vignettes, which collectively become part of a much bigger story. Pay attention to everyday vignettes, especially how you feel in various situations. Know that if you feel a certain way, others probably do too.
When you find yourself in a situation that feels uncomfortable, pay attention to what is happening on the outside – and on the inside! Discover something new from the experience. Then when you're writing a blog post, use the story to illustrate the main message.
Kendra: Everyone has a network of evangelists: people who feel the same way you do and want to support you. Even if you're just a startup, you have cheerleaders in your corner. How can you leverage them as part of your marketing strategy?
Jennifer: The best strategy is to turn your cheerleaders into referral partners. But getting people to refer business requires more than asking them to. Typically people give referrals once you establish a relationship. So don't expect too much when you first meet. Get to know people by building a relationship first.
Be the first to give. What should you give? What they want. The only way to know is to ask them: "how can I help you?" Listen to what they say and then deliver what they want – not what you want to give them. This often triggers them to ask what you want.
When someone refers business to you, don't just thank them when it turns into business. Thank them every step of the way: from the introduction to meeting with them to closing the deal. And if the deal does not close, let them know. Most people just want to be acknowledged for helping you. Appreciation goes a long way to staying top of mind.
Kendra: That's great advice! I think that we get nervous to ask for help, but by giving first, it makes it easier to ask for that to be returned.
Because I'm a marketer, I tend to treat any project (even networking) as a campaign. I want to be able to track my effort and the results. Can you measure or track the success of this kind of influencer campaign? Would you want to?
Jennifer: You need to treat your referral partners better than your clients. And whenever you invest marketing dollars you need to track results. The only way to ensure you do the right things in the right order with the right frequency is to have a referral system.
Remember – you need to give to keep the relationship going. Touch base at least 25 times per year, and at least four times in person. Keep referral partners top of mind and they will keep you top of mind.
Kendra: When you have a repeatable system, it would become easier to measure the outcomes – even when the "campaign" is deeply rooted in giving.
Thanks so much for taking the time to chat today Jennifer – you'll be hearing from me 24 more times this year!
John is the Founder & CEO of Wriber. He's passionate about entrepreneurship, high-tech startups, thought leadership, content marketing, and artificial intelligence. John frequently volunteers his time at the University of Waterloo to help young entrepreneurs get their businesses off the ground. He's also a faithful Toronto Maple Leafs fan, frequent Redditor, and lifelong learner.


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There are those days when a thick-slim girl just feels skinny. And when you feel skinny, you feel unstoppable.
@@Coco Note: If you think skinny, you just might become it. Mind over matter.@@
Last night I had the pleasure of attending a D'usse event. I haven't had D'usse since the last time I D'usse'd a little too much *cough* NYE 2012 *cough*, but I do love the brand and the product.
I would never promote leggings as pants, but I was feeling skinny last night, so you'll have to excuse me.
Let's face it, black is both slimming and empowering. This is just a simply pair of black leggings, paired with a black, long-sleeved body suit with sheer cut-outs. The trick with pieces like this is to keep it simple, and keep it balanced. What I mean is, balance the sexy. Since i'm wearing skin-tight clothing with sheer cut-outs, I made sure that the majority of my body was covered with some fabric. From the long-sleeved, sheer though they are, to the long leggings and over-the-knee boots, I'm covered.
I was really feeling like Catwoman, until the Cookie Lyon in me decided that I needed a fur coat to go with this empowerment. In my defense, it was really cold in New York. This gray and black ombre faux fur coat was the perfect piece because it didn't take away from the all-black vibe.
Faux Fur Coat: Chicwish
Bodysuit: Asos
Leggings: Rainbow (my favorite place for leggings!)
Boots: Dolce Vita c/o MJM Shoes


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Sad news spread quickly through Whistler after Brad Sills shared that his mentor, Dave Cathers, is no longer with us. The news was shared through an e-mail message to the members of the Whistler Search and Rescue (WSAR) team. Cathers passed away following a long battle with cancer.
"It is with great sadness that I convey the news that Dave Cathers passed away at 3 a.m this morning in Lion's Gate Hospital," Sills wrote in his e-mail message to Search and Rescue personnel.
"All of us will miss the great strength that he brought to each of our lives," wrote Sills.
He added that plans for a memorial are being planned for October.
"Life is short," wrote Sills. "Dave's was much too short."
In November of 2007, Pique reporter Alison Taylor asked Cathers why he dedicated 250 or more hours a year to the WSAR program both in training and in calls.
"Anybody can put themselves in a position like that, where you go out and hurt yourself," Cathers said. "And it's always nice to know that there's some sort of resources that might come out and get you."
Cathers was a long-time resident, a dedicated father, husband and community leader. In addition to playing a key role in setting up Whistler Search and Rescue he was also involved in youth activities, including Boy Scouts, junior hockey and baseball. He was a volunteer firefighter, a member of the Whistler Health Care Centre planning committee and a former Citizen of the Year.
August 19, 2019, 4:15 PM
LETTER: For the week of Aug. 15 More...
August 19, 2019, 11:17 AM
August 19, 2019, 7:00 AM
Franchisee was also fined $2,500 More...


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Please choose from the options above to see price and availability.
HA0111 - Definitely a good Christmas gift for your family and friends!
Package includes
1x Wireless Microphone
1x USB Cable
1x Micro USB Cable
1x User Manual
Package included:
1 x Agptek Dial Pad
1 x Monaural Headset
1 x Connect Cord
1 x Dial Pad User Manual


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I continue to sketch in software to build up a portfolio of images, the best of which I will select for mixed media production. I am meanwhile developing a new technique that combines inkjet printing, image transfer, screen printing, and layered acrylic painting. My goal is to reproduce a multi-layered Photoshop aesthetic but with trace of the a human hand. Inkjet printing alone is not enough for me.
I've been studying Imago relationship theory lately. My readings inspired this image. Here's a summary of Imago pulled from Wikipedia:
"Imago therapy focuses on collaboratively healing childhood wounds couples share.[5] According to Hendrix and Hunt, the human brain has a compelling non-negotiable drive to restore feelings of aliveness and wholeness with which people came into the world.[9] It is believed by imago therapists that a person's brain constructs an image of characteristics from their primary caretakers including both their best and worst traits.[10] The brain's unconscious drive is to repair damage done in childhood, needs not met, by finding a partner who can give us what our caretakers failed to provide.[9] This is why traits of a future partner often reflect our parents' traits. Our unconscious drives towards this to seek healing and to resolve unresolved childhood wounds, in order to grow. In this way, wounds received by a person, from their parents, tend to be re-stimulated by new adult partners and potential partners. The re-stimulation triggers old, unresolved emotions. Both people in the relationship can learn how to heal one another, and appreciate each other for the person they are--and--it takes time. Couples must engage in a specific type of dialogue for Imago therapy to work. The conscious self may not be able to see and understand clearly the reflection of unresolved parental issues in his or her current marriage partner. Nonetheless, our unconscious connects with this person in its best (unconscious) effort to heal old wounds and allow love into your life again.[citation needed]"


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Poverty in America: Breaking the Cycle of Poverty
Give me your tired, your poor, your huddled masses yearning to breathe free, The wretched refuse of your teeming shore. Send these, the homeless, tempest-tossed to me, I lift my lamp beside the golden door!
~ From Emma Lazarus' sonnet, New Colossus, and best known as the quote mounted on the pedestal at the base of The Statue of Liberty, Ellis Island, New York
America's Poor Trapped in a Cycle of Poverty
From the most recognized phrase on America's Statute of Liberty, the United States has long been thought of as a beacon of hope for the poor in search of a better life. Many have flocked here, hoping to receive America's promise of opportunity. The belief is that what distinguishes this nation is that a person can pull himself up by his bootstraps and become anything his mind can conceive and his heart dares to believe. With hard work and determination, nothing is impossible to him. While it is true for many, it is not true for all. This is not the reality of America's poor and those trapped in the cycle of poverty.
In 2016, the total population of the U.S. was 319.9 million. Of that, 40.6 million Americans, or 12.7 percent of the population lived in poverty. This rate, while it has fluctuated mildly over the years, has been fairly static for the past 30 years. Said plainly, America has not found a way to break the cycle of poverty despite our wealth.
Defining Poverty
In the United States, the Census Bureau determines who is poor, using a household's pre-tax income. The dollar amount is set based on what is needed to meet basic needs. In 2016, a family of four earning less than $24,339 would be considered poor.
While the U.S. uses cash income to measure poverty, there are alternative measures that help to identify who is poor in America. The Institute for Research on Poverty at the University of Wisconsin-Madison published a report in 2015 that outlined "Alternative Ways to Think About 'Who is poor?'" In that same report, the writers make an important point. Even if a family is making 100 percent to 124 percent above the income threshold, they are likely still struggling. They are considered to be "near poverty" and one mishap can send them into poverty.
Counting those who are near poverty would increase America's poverty rate another four to five percentage points. According to an article published by Eastern Oregon University, when we overestimate the costs for food and underestimate the costs for transportation, housing, and healthcare, we grossly miscount how many Americans actually live in or near poverty. My point in stating this is to let you know, this is both our problem and our opportunity. And, it is big.
Who is Poor?
Who are these nearly 41 million people who are poor in our country? The Federal Safety Net published a report that tells us categories of the populations who are living in poverty. I've highlighted a few below. For a complete report on poverty statistics, see the report, U.S. Poverty Statistics by The Federal Safety Net.
Poverty by Race
Of the 195.2 million Whites (non-Hispanic), 17.3 million or 8.8% live in poverty. Though there are many more White people living in poverty, as a percentage of the overall population, it is the lowest rate of poverty in the country. There are 18.9 million Asians in the U.S.; 1.9 million or 10.1% live in poverty. Conversely, the poverty rates for Blacks and Hispanics are more than double that of non-Hispanic Whites. There are 42.0 million Blacks in the U.S., and 9.2 million or 22% live in poverty. Hispanics make up the largest minority/ethnic group in the country. There are 57.6 million Hispanics of all races in the U.S.; 11.1 million live in poverty for a poverty rate of 19.4%.
U.S. Poverty Statistics – Federal Safety Net
Children in Poverty
When we consider children living in poverty, the picture is even more disheartening. A total of 13.3 million children under the age of 18 live in poverty. That's 18% of our nation's children. And as the overall percentages above show, the numbers and percentages are worse for children of color. There are nearly 3.5 million Black children (34%) and 5.1 million Hispanic children (28%) living in poverty. It is disheartening to know that one in five children in this country is poor. They are not in a position to change their circumstances. They need our help. Many of these children come from single-parent households. To help those families is to help the children in those families. For more on child poverty in the U.S., go to The Kids Count project of the Annie E. Casey Foundation.
Marital Status and Poverty
Overall, 9.8% of America's families live in poverty. Households headed by a married couple (60.8 million families) have 3.1 million families living in poverty with a poverty rate of 5.1%. That accounts for 38% of all families living in poverty.
Single-parent households are more likely to be poor than married couple households. There are 15.6 million families headed by a single mother, which represent 19% of all families. But, 4.1 million of these families are poor (26.6%). This accounts for 51% of all families living in poverty – over five times that of households headed by a married couple. Households led by a single father account for 10% of all families living in poverty. These statistics lead us to conclude that while marriage is not a sure bet against poverty, the likelihood of being poor is less for those households headed by a married couple.
Educational Attainment and Poverty
The level of education attained has a huge impact on poverty. As the chart indicates, those without a high school diploma have the highest poverty rate (24.8%), while those with a college degree or higher are least likely to be poor (4.5% poverty rate). For as long as I've been old enough to comprehend, I heard my parents and grandparents say that education is the ticket to a better life. These statistics confirm that education is indeed a defense against poverty.
Other Poverty Measures:
Women are more likely to be poor than men. In 2015, 14.8% of women and 12.2% of men were in poverty. These rates are more pronounced in the elderly. Although the elderly have one of the lowest poverty rates by age demographic due to the Social Security and Medicare programs, elderly women are still more likely to be poor than elderly men.
The South has the highest poverty rate, followed in order from most to least by the West, Northeast, and the Midwest.
Why is Poverty Persistent in America?
It's one thing to know the numbers. It's another to try to figure out why poverty is persistent in America in the 21st Century. Since a 2014 report, poverty rates have declined slightly. However, as I mentioned above, the overall change in poverty in America has been negligible for the past 30 years. Why then does America have a culture of poverty? This issue is complex, but they mostly stem from inherent inequalities.
Editors Ann Chih Lin and David R. Harris, wrote in a 2009 article for the National Poverty Center, that "poverty results not from a single source but from a cumulative process: any type of disadvantage makes one vulnerable to other disadvantages." They point to differences along racial lines in education, health, and residential quality as some of the reasons poverty continues to be a problem in America.
Poverty Persists Because Education is Unequal.
Educational attainment is a factor in poverty. We also know there are disparities in educational experiences that can impact attainment. These disparities begin before formal schooling and continue throughout the educational career. By the time a child is three years of age, there is a 30-million-word gap between the wealthiest children and the poorest. And, this gap persists through age 13. A child's zip code is also a determinant of the educational quality a child receives. Children in the poorest neighborhoods, largely children of color, have to endure schools that are inadequately resourced and where teacher turnover rates are highest. Teacher expectations are lower for Black and Hispanic children and these children also have the highest incidences of disciplinary referrals.
Altogether, though educational attainment is one of the surest defenses against poverty, the experiences of children of color and poor children create a disadvantage as Lin and Harris reported. Until we equalize the educational resources and experiences for all children, we will continue to perpetuate a culture of poverty.
Poverty Persists Because Access to Housing is Unequal.
We've all seen reports and documentaries that point to housing discrimination. Realtors steer minority families away from middle class and affluent White communities even when they meet the income requirements. There have been numerous documented reports of landlords who raise the cost of rent or lie about vacancies to dissuade minorities and the poor from applying for housing. In an article for the Urban Wire, Mary K. Cunningham points out that "Housing plays a critical role in providing stability to poor families. When families lack it, there are terrible consequences." She says evictions can impede a family's ability to attain basic necessities (e.g., food, clothing, and medicine).
Inadequate housing and homelessness are also linked to depression and child abuse and neglect. For children, lack of stability at home correlates with higher school absenteeism, frequent school moves, and lower test scores. If we are to eradicate poverty in America, we have to find a way to ensure access to quality, affordable housing. For more, read 9 ways the lack of housing is hurting America and Habitat for Humanity's 7 things you should know about poverty and housing.
Poverty Persists Because Breaking the Cycle is Hard
Bill Grigsby, an associate professor of sociology at Eastern Oregon University published an article that asked Why is Poverty in the US so Persistent? In it, he laid out three theories. The one I'm highlighting here because I've seen it in a few other readings is this theory of a culture of poverty. Anthropologist Oscar Lewis did studies in poor Mexican and Puerto Rican communities. He identified in his research what he called a culture of poverty. In that article, Grigsby wrote:
Oscar Lewis observed what he saw as a culture of poverty among these communities leading to self-defeatist, self-indulgent attitudes. Concepts such as planning for the future–delaying gratification–were rare and unimportant. Attitudes and beliefs seen as self-defeating were learned by younger generations from older generations, that is, youth are socialized into this culture.
I know this seems harsh. But, the main point here is that when poverty is deep within a way of life and thus, a belief system, it can be hard to imagine breaking out of that life. Therefore, behaviors that serve to keep generations in poverty persist. One way in which this plays out is in motivation for educational attainment. If a child does not see higher education as a viable opportunity, their incentive to study and do their best in school may not be as great as a child who thinks that college is a sure opportunity. This is one reason why we celebrate and reward first-generation college students. We know that feat can break the cycle of poverty for that family.
Other Reasons Poverty Persists in America
There are other reasons poverty persists in America. Lack of affordable healthcare can have a devastating impact on the well-being of a person and families. Employment discrimination can lead to unequal income. And, discrimination in the criminal justice system can lead to more felonies for minorities and poor because they do not have the money for adequate legal representation. These felony convictions harm individuals, families and whole communities.
How to Break the Cycle of Poverty?
When I raise issues, I always want to provide some information about what is being done to address the issues. On this topic of poverty, I turned to the Brookings Institution. The Brookings Institution is a nonprofit public policy organization founded in 1916 and based in Washington, DC. Their mission is to conduct in-depth research that leads to new ideas for solving problems facing society at the local, national and global level.
On the Brookings website, they published The Hamilton Project: Advancing Opportunity, Prosperity, and Growth (2014). "In recognition of these challenges, The Hamilton Project commissioned fourteen innovative, evidence-based antipoverty proposals. These proposals are authored by a diverse set of leading scholars, each tackling a specific aspect of the poverty crisis." I hope you'll take time to read through some of the proposals. The proposals focus on four areas.
- Promoting Early Childhood Development includes:
Expanding preschool access for disadvantaged children; addressing the parenting divide; and reducing unintended pregnancies for low-income women
- Supporting Disadvantaged Youth includes:
Designing effective mentoring programs; expanding summer employment opportunities for low-income youth; and addressing the academic barriers to higher education
- Building Skills includes:
Expanding apprenticeship programs; improving employment outcomes for disadvantaged students; and providing disadvantaged workers the skills they need to succeed in the labor market
- Improving the Safety Net and Work Support includes:
Supporting low-income workers through refundable childcare credits; building the success of the earned income tax credit; encouraging work sharing to reduce unemployment; and designing thoughtful minimum wage policy at the state and local levels
What Social Scholar Readers Can Do
The Hamilton Project issued the policy proposals. They are well-studied. However, it will take more than the scholars and the Brookings Institution to advocate for those policies. I encourage you (and I will too) to read through each of these and think about how you can get involved on the local, state or national level. Use these as a starting point to assess political candidates and their platforms. Get involved with a local organization working to end poverty in your community or state.
When I decided to write this week's article on poverty in America, I didn't know what I would find. And, now I cannot unlearn what I've learned. When we know better, we do better. Let's help make America's promise to help the poor a solemn vow.
© 2018, Tonya Harris Cornileus, Ph.D.
All Rights Reserved.


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6 ways to find the right investor for your start-up
Investment. A regular topic of conversation within and outside of the One Roof walls. We find many founders often get swept up in the idea of needing capital in order to grow their business. Our advice? Bootstrap as long as you can. This means running with as little as possible in the way of financial resources but it generally gives you the extra push to innovate and get ahead on your competition through deep rooted, well informed and smart concepts and ideas instead of relying on cash flow to get you there.
But, we know, there comes a time when many businesses outgrow bootstrapping and in order to scale, you need to seek investment. It's an important journey that will take you away from the core of your business and can consume your time and energy. You need to be prepared and ideally you want to get it right the first time.
Unfortunately, according to the Australian Financial Review, female founders only receive 26% of venture capital in Australia (although we think it's likely even less than that!). That's not great odds. And whilst we can't close the gender gap overnight, we are going to share the 6 ways to look into raising capital, as tried and tested by our female founders.
Here are 6 ways to find the right investor for your start-up:
1. Friends & Family
Friends and family can be tricky territory. The upside? They're often your biggest cheerleaders and want to help you succeed. The downside? It's always a risk to combine money with your family and friends. Consider not going big and not getting equity involved. A small interest free loan could be the way to go here, as long as you both understand the risks and they know they may not get it back. If you need to go bigger? Cast the net a little wider and explore one of the options below.
2. Angels and VC's
Angel investors and venture capitalists generally provide capital for businesses in exchange for convertible debt or ownership equity. They can be a really great resource as they often have a wealth of experience, contacts and advice to offer to support promising ventures. They'll typically be most interested in tech and highly scalable businesses so this avenue may not be for everyone. A word of advice? This investor will be with you for the journey so ensure it's a good fit. To value your time, do the research. Who do they invest in? What type of businesses or industries are they interested in? At what stage? Best to be overly prepared. And know your pitch inside out. You are selling a vision and a dream (particularly at the early stages of your business). Most investors are buying into you as the founder, your passion, your vision and your persistence.
You'll find groups that specifically support female founders such as Scale Investors and Supporting Women Founders. Angel investors will typically come in at the early stage of your business investing smaller amounts of around $500,000 whereas VC's will likely invest at a later stage in amounts beyond $1million. Examples of VC's in Australia include: Blackbird Ventures, SquarePeg Capital, Blue Sky and Rampersand. For more tips on how to approach venture capital, sign up to Both Sides of the Table newsletter. We also currently host Adrian Stone at One Roof on a Thursday afternoon providing free office hours to our members. He is a serial entrepreneur, angel investor and mentor to start-ups at the concept stage. Sign up for a free trial here with One Roof and gain access to our free office hours with experts.
3. Impact Investors
Impact investors also provide capital in exchange for convertible debt or ownership equity but the major difference is they look for a financial and social return. This route is best suited to businesses that are purpose driven and rapidly expanding. Giant Leap and Small Giants are examples of Australian Impact investors. You may also be interested in checking out the Nexus Australia Youth Summit. Normally held in March, it is a hotspot for networking for social entrepreneurs and impact investors. We also host Rachel Yang, Investment Manager at Giant Leap, on a Thursday afternoon for open and free office hours. Sign up for a free trial here with One Roof and gain access to our free office hours with experts such as Rachel.
4. Crowdfunding Sites
Crowdfunding sites host a range of investor types from the general public, philanthropists and accredited investors. It can expand your network and allows you to pitch on a single platform. Not For Profits might explore Donation based crowdfunding whereas there is also Rewards based Crowd Funding like Pozible and Kickstarter or Equity Based Funding like Birchal. Historically women are more successful at Crowdfunding than men, with women having 30% success rate of a successful campaign vs. 23% success rate of male campaigns in a 2015/16 PWC study. If you choose to go down this road it's important to select a site that signs with your vision and goals as each site's focus and incentives are different.
5. Incubators & Accelerators
Accelerators and Incubators typically specialise in early-stage businesses. They tend to offer mentorship, resources like office space, legal counsel, and capital. They tend to run for a specified and intense period, often around 3 months. This gives startups a chance to work through challenges with support and to validate their products.
We have seen and supported many One Roof members to successfully go through accelerator programs. Alison Hardacre, Cofounder of Healthkit went through the Springboard program (an accelerator specifically focused on women-led high growth tech start-ups), Maggie Scott, Founder of Parachute went through Springboard's earlier accelerator called the E3 program. NIMIS participated in Techstars and Finch participated and won best product demo in USA based fintech accelerator Envestnet/Yodlee. We'd also recommend you check out Startmate, Melbourne Accelerator Program (MAP) and SheStarts. When applying for accelerators be overly prepared and well researched. Look at what type of businesses they select, at what stage, whether you are the right fit, what you will get out of participating in their program, and what success looks like for you at the end of the program. Be very clear about this and ensure you ask a lot of questions before applying or accepting an offer. You don't want to waste time applying or participating in a program that is not suited to your needs.
6. Private Equity Firms
Private equity firms and high net worth families or individuals are funds and investors that invest in private companies in exchange for equity. They can give you access to everything from a few thousand to millions in investment, and again they tend to look for rapidly growing and highly scalable businesses. They tend to differ from an angel investor or VC in that they are investing their own money and can decide how quickly and how much they want to invest. The objective is to sell their stake a few years after investment to reap a significant profit from investing in your start-up but remember, choose wisely, as you will undoubtedly be on a journey with these people for a while!
When seeking investment, be prepared to be on the merry-go-round for a while! And be prepared to "kiss a lot of frogs" before you meet the right investor. It's not a simple transaction – this decision and potential partnerships will shape the future of your business. Whilst it might seem that securing the cash is #1, we recommend two things. 1) Building rapport – you've got to connect with your investors and see the same future for the business. They are people with feelings, emotions and passions not just people with deep pockets. And 2) having a nonchalant attitude. You've got to have a plan B if the investment path doesn't work out. Don't ever go into a meeting seeming desperate for the money (even if you think you are desperate!)
On a final note, we are big listeners of Tim Ferris Show, a podcast where Tim Ferris interviews world-class performers from a range of areas and industries including investing, sports, business and art. You can learn a lot about the journey of building a business and raising capital through Tim and his interviews. We recently listened to one of his latest episodes with Cindy Whitehead, an American entrepreneur, who has built and sold numerous companies. This episode titled "How to Sell Your Business for One Billion Dollars" shares great insight around how to raise capital, build a strong team, negotiate and sell your business for a sh*t tonne of money. What we learnt? The experience will be both exhilarating and excruciating – so come prepared.


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2017 Alfa Romeo Giulia Review: Frugal and Fun, but Flawed - ConsumerReports.org29.09.2017
Many have welcomed the new Giulia and its fresh styling with a hearty "Ciao!" And on the road and test track, CR testers found the car nimble and kicky to drive. Still, we think this Italian luxury compact sedan falls short on interior quality and ...
Is Jaguar Land Rover looking to buy Alfa Romeo? - Independent Online29.09.2017
It remains a long shot at this stage, but speculation is mounting that Jaguar Land Rover plans to expand global portfolio, and Fiat Chrysler's Alfa Romeo and Maserati brands are looking like potential candidates. According to Bloomberg, Jaguar Land ...
2018 Alfa Romeo Stelvio First Test: Italian for Bandwidth - Motor Trend29.09.2017
Alfa Romeo makes sports cars. Always has. It wasn't unreasonable, then, to assume such a company hopping on the SUV bandwagon would build the sports car of SUVs, the Alfa Romeo of SUVs. You're right. They did. But they also built something much ...
Constellium preferred aluminium supplier for Alfa Romeo Stelvio ... - GlobeNewswire (press release)29.09.2017
AMSTERDAM, The Netherlands, Sept. 28, 2017 (GLOBE NEWSWIRE) -- Constellium N.V. (NYSE:CSTM) (Euronext Paris:CSTM) today announced that it ...
2018 Alfa Romeo Stelvio Quadrifoglio is the World's Fastest Production SUV - PR Newswire (press release)29.09.2017
Just ahead of its U.S. launch, the 2018 Alfa Romeo Stelvio Quadrifoglio has claimed the title of world's fastest production SUV, setting a new benchmark lap time at Germany's legendary N
Alfa Romeo Stelvio Quadrifoglio Sets Nurburgring SUV Lap Record - Motor Trend29.09.2017
"We specifically engineered and designed the Stelvio Quadrifoglio to set world-class benchmarks and it did not disappoint with a world-record Nurburgring lap time of 7 minutes and 51.7 seconds," said Reid Bigland, head of Alfa Romeo, in a release. "We ...and more »


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Identity theft is big business now. You might think you're only at risk if you fit a certain profile – but that's simply not the case any more. Fraudsters are coming up with more and more inventive ways to gain access to your personal information and steal your identity for a variety of reasons. We're going to look at how and why they do it – along with how you can protect yourself.
Why do criminals target your identity?
The simple answer to this is to make money. Identity theft is normally profitable and it's also easy to do. It's also low risk for the criminal as they don't have to put themselves in any violent or confrontational situations that many other thieves do. Clever thieves can cover their tracks and minimize the risk of getting caught.
It's also a type of theft that so few people are fully aware of or protected against. Most people have burglar alarms in their home, but they aren't as well protected against the methods of an experienced identity thief.
What methods do they use?
Identity theft can be perpetrated in a number of ways. Traditionally, thieves have rummaged through trash to gain access to documents that have been thrown away. Anything with your name or address on could be used to gain access. Some fraudsters like to use this information to place a re-routing order on all your mail, meaning any future bank statements or other important information gets sent to them.
Access to your banking information could allow thieves to take money out of your account or set up loans in your name. Not only could you be out of pocket initially – but you could have your credit rating ruined.
Thieves could also get access to your social security number and start claiming benefits in your name – or use it for other types of government fraud. This information can be gained with a simple bag snatch.
Fraudsters have also started using the internet, where they can gain access to your passwords, giving them many more important documents that are stored online.
How can you protect yourself?
Make sure you keep all important documents secure. When you're finished with them, shred them. Check your mail regularly so you know when any suspicious charges appear, and also so you can see if you aren't getting something you should be (which could be an indication your mail is getting stolen). Keep your online information secure and change your passwords regularly. You could also consider using identity theft protection.


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Candice and Jason got married yesterday at the Shoreline Grill in downtown Austin! Amid the flurry activity during the day, there were some really special moments! Here's my favorite - they didn't see each other before the ceremony, but we created this special moment where they were as close as they could be! It was very moving to be there when it happened!
Candice looked beautiful! Jason gave her a pair of diamond earrings before the ceremony started!
Jason is sporting his brand new Tag watch - a gift from Candice before the wedding! I offered to hold on to it during the day, but he wasn't too interested in that.
I really like this shot too!
They had a custom fireworks show for all the guests!


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Legacy Giving
Each of us here worshipping today has a obligation to assure the future of our congregation. It's important to encourage and support the next generation of UUs, and that means taking steps now to provide the resources for the future.
Legacy or Planned Giving includes a range of giving opportunities. The most familiar, of course, is the traditional bequest in which a member leaves some portion of his or her estate to their church or some other UU organization. But planned giving can take many forms. There are gifts of stocks and bonds, retirement accounts, IRAs, life insurance policies and real estate. There are charitable gift annuities, umbrella giving programs, proceeds from retirement funds and insurance policies -- the list goes on and on.
In return for a planned gift, donors and their families may receive estate and income tax benefits or an annual income stream for their life or the life of a secondary beneficiary.
Most planned gifts are deferred, meaning a congregation, the UUA, or another designated UU entity will receive the financial benefits after the donor dies.
The Rev. Laura Randall, the Unitarian Universalist Association's legacy campaign director, says, "A planned gift is usually the most significant gift an individual can make. It says 'this congregation means something to me.'"
Our Document Center includes the following helpful handouts. Click here to access.
Close the Gaps in Your Estate Plan
A list of easy actions individuals can take to make sure their estate plan is the best it can be.
Estate Planning Quiz
Does your estate plan measure up? Evaluate your current estate plan. Add up your points and see how you score
A Charitable Bequest, A Gift You Plan Now, Make Later
Four simple advantages of bequests.
Easily Provide Support Through Your Will
Support future and ongoing needs of your congregation
Estate Planning Toolbox
Four must-have resources and documents.
Gathering the Necessary Paperwork
Make taking care of your final affairs as simple and stress-free on your loved ones as possible
How Many Unitarian Universalist (UU) Entities Would You Like to Support in Your Will?
Umbrella Giving is the simple way to give to Unitarian Universalism!
Update Your Estate Plan in 3 Easy Steps
Ensure that your goals are accomplished.
Include Us in Your Will and Help Shape the Future
Make it simple, make a bequest, make a difference
Planning Your Estate
Start by completing these two estate planning steps.
Planned Giving and the Unitarian Universalist Association (UUA) Legacy Society
Regardless of size, every bequest intention is a meaningful way to make a gift to our faith.