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No matter what your needs, VIP Trans has your transportation needs covered. Taking a day trip or a multiday trip to an exciting and popular tourist destination may be easier than you think.always prompt and the bus drivers are personable and very knowledg
Welcome to Premiere Transportation where we believe that a "trip" is measured in miles but that a "journey" is measured in moments; moments filled with exceptional service, exceptional amenities and exceptional people.rnWe believe that an ordinary service
MC Charter Bus services is one of the bus companies that offer the best rates in Desloge Missouri area.
Established in 1996, Huskey Bus & Transportation became Huskey Trailways in August of 2008, currently operates motorcoaches and school buses. The primary office location is just 25-minutes south of the Gateway Arch in St. Louis, MO near Festus. Huskey Trailways effectively services the entire St. Louis area as well as all of the continental United States. Since its inception, Huskey Trailways has logged hundreds of thousands of miles touching nearly every state in the Union with several excursions into Canada. If there is a major interstate, chances are you will likely see a Huskey motorcoach taking some of its friends to yet another new destination. In order to better serve the Central and Western parts of Missouri, Huskey Trailways maintains coaches in the Springfield, Mo and Jefferson City, Mo areas. Ranked by many as one of the top four motorcoach transportation providers in the Greater St. Louis region, Huskey Trailways is ready and willing to handle your group's transportation needs. What type of groups travel on Huskey motorcoachs? Church groups, youth groups, family reunions or family vacation travel, bank travel clubs, tour agencies, schools, colleges, and university athletic teams, bands, orchestra, choir, academic groups, etc. We also do military transportation, professional sports teams and political candidates. Need a break or a getaway? Huskey offers many types of motorcoach tours. Huskey's handles the arrangements of our casino line runs and casino specials and overnight package tours. We also have a FREE Sunday, Monday and Thursday shuttle service to Hollywood Casino in Maryland Heights, MO. Please visit our Casino Tours page for more information on our exciting Casino Packages. Other types of motorcoach tour Huskey provides, is the prearranged packages, one-day outings, or special group travel needs. Many have chosen to become part of our "Herd" and have traveled with us to such exciting destinations as Mexico (via cruise ship), Mackinaw Island, Niagara Falls, Savannah, and much more. You don't need to have your own group to be part of our "Herd." You can travel alone or with a small group of friends. One thing is for sure, upon the completion of your trip, your circle of friends will have grown exponentially as everyone has a great time. Call our office anytime and ask for our tours director. Reach us at (636) 937-2799 or toll-free at (888) 248-7539. Be sure and ask to be put on the mailing list to receive the "Cow-lendar" of Tours for upcoming trips and events, and be sure to check our Scheduled Tours for additional tours. At Huskey Trailways, We're Moovin' On -- Come along and have some fun!
GEM Transportation is to St. Louis as Limousine is to limo. We provide limousine rental, Lambert Airport and downtown hotel transportation including our personalized meet and greet service. Each sedan is a black car manufactured by Lincoln with the extended wheelbase, Lincoln Executive L, which is appreciated by our customers, because of the extra leg room, who rent from us in the St. Louis, St. Charles and surrounding counties in Missouri and Illinois. Whether you are reserving a Party Bus, Limo, Van, Sedan, SUV, Trolley, Executive Bus, or Motor Coach, it will be easy and pleasant when you rent from GEM Transportation dba Central States Trailways. Limo rental in St. Louis is made easy when booking a reservation with GEM Transportation and Central States Trailways. You will always be greeted by a pleasant and helpful sales associate who will discuss with you to determine the particular vehicle or vehicles to best suit your requirements. We prefer to act as your consultant and will always fit a vehicle to your needs, rather than the other way around. Our fleet consists of over 57 vehicles, made up of Limousines, Sedans, Buses, Vans, Suv�s, Motor Coaches and even a Trolley that seats up to 35 people, perfect for a wedding, prom or any other special event. We have a shuttle buses for company remote parking lots and for other types of bus shuttle service. Our Central States/Trailways division specializes in Charter Buses and Luxury Coaches with the capacities of up to 56. We are the St. Louis, Missouri franchise for perhaps the best known and well respected charter companies in the United States, Trailways. Our clients tell us it gives them added security knowing our charters, no matter if they are in California, Maine or Florida, are backed by a well known company with representatives in every major city nationwide. Each limo chauffeur is extensively trained, in house, properly licensed by all state, Federal and local authorities which require extensive background checks, physicals, periodic and random drug testing. They are not just a limousine driver, but an experienced professional limousine chauffeur, properly uniformed in black suit, white shirt and tie, neatly groomed, speaks English, well educated, familiar with the area and will get you about town efficiently and safely. We are an established firm and have had the same owners since 1978. We are well known for low chauffeur turn over. We have had many of the same clients for over 20 years! Each Limousine, Sedan, SUV, Party Bus, Van, Coach, Trolley and Executive Bus is available to rent and may be seen at our St. Louis facility in Hazelwood, MO. Each is maintained in show room condition at all times to meet any demand you or your company may have. We encourage you to make an appointment and visit our facility.
Complete Transportation is a full service charter bus and ground transportation company. With over 30 years of total experience, we have offered tour groups, schools, universities, corporations, and corporate travelers the best in exceptional travel services throughout the United States.
Convention and Meeting Services Hotel Accommodations Shuttle Services / Transfers Tours Meet and Greet Package - Airport or Hotel Customized Services for Individual Groups Step-on Guide Service Multilingual Guide Service Charter Coach Service is available to 49 states and parts of Canada Coach Seating Capacity: 15 thru 61 passengers Call for Quotations Fully Licensed and Insured We are the exclusive Coach buses transporter for the St. Louis Rams, St. Louis Cardinals and most visiting NFL,NHL,and MLB teams.
Charter Coaches White Knight provides charter services for corporate events and group tours. Our wide selection of vehicles gives our customers the flexibility to choose a wide array options that best suite your needs. This 40 passenger coach has all the amenities of a larger 56 passenger coach, except the high cost. The coach is perfect for those 30 - 40 passenger sized groups. The coach features large panoramic windows, reclining seats, foot rest's, DVD, wireless internet and a clean spacious lavatory. If you're looking for a top of the line quality coach, that is considered one of the cleanest coaches in the Midwest, and you want the secure feeling of having a safe driver for your ride then choose White Knight Limousine & Coach for your transportation provider. VIP Entertainer Coaches Our VIP Entertainer Coaches represent the ultimate in travel accommodations for large groups. Executive level coaches feature leather seating for up to 22 guests; with all the creature comforts. Our VIP Entertainer Coaches represent the ultimate in travel accommodations for large groups. Executive level coaches feature plush leather seating for up to 22 guests, and two large-screen TV's connected to an in-motion satellite system that pulls in over 150 channels. Entertainment is augmented by DVD, VCR and CD players and surround sound stereo
|Bus Type
|Charter Bus
|Coach Bus
|Entertainer Bus
|Party Bus
|Limo Bus
|Executive Coach
|School Bus
|Mini Coach Bus
|Executive Minibus
|Executive Bus
|ADA Handicap Accessible Bus Charter
|ADA Handicap Accessible Coach Bus
|ADA Handicap Accessible Mini Coach
|ADA Handicap Accessible Minibus
|Double Decker
|Executive Van
|Sleeper Bus


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Male Pattern Baldness
Veterinarian Reviewed on January 5, 2012 by Paulina Nelega, RH
Posted in Uncategorized
Male Pattern Baldness
Male pattern baldness is a condition that afflicts a lot of men, as this is most commonly caused due to male genetics. Hair Loss is very common among all people, as you can lose a hundred or more hair each day. However, excessive hair loss is not normal, as it is something to be concern about. If you are suffering with male pattern baldness you should try to find out what is causing and what possible treatment there is before it becomes worse.
Causes of Male Pattern Baldness
According to many experts in the medical community, the most common type of hair loss is male pattern baldness. This is caused by male sex hormones increased sensitivity in some part of the scalp area. And most experts agree that this type of hair condition is passed down from one generation to the other. The study reported that the male sex hormone plays a big part in this hair condition among men, as there are certain parts of the scalp that is very sensitive to this hormone. And due to this hormone, the hair follicles contract and as a result male pattern baldness occurs. If the hair follicles are not repaired or treated accordingly, they will continue to shrink and become so small that they can no longer replace any of the lost hair. The study also reported that although these hair follicles did not die, their ability to produce hair is already diminished.
Symptoms of Male Pattern Baldness
Common symptoms of male pattern baldness are a receding hairline and hair loss at the top or back of the head. Usually male pattern baldness starts to happen about the age of 20 to 30 with men. Slowly or gradually the two spots on the head meets, forming a U-shaped pattern. The hair that remains is usually finer and you may find it hard to grow as fast as it should. As mentioned above, male pattern baldness is caused due to genetics. This means that if baldness or hair loss runs in the family, whether from great grandparents or from parents at present, the chances of acquiring male pattern baldness among male children is quite high.
Treatment Options for Male Pattern Baldness
Today, with the continuous improvement in the medical field, male pattern baldness can be easily treated, unlike a few years back. People who have male pattern baldness can choose various kinds of hair loss treatments such as through medications or through surgical or medical procedures. A good example of an OTC or over-the-counter hair loss treatment is Monoxidil lotion, as this is used by applying it to the scalp twice daily. Originally, Monoxidil was used to treat people with high blood pressure, but due to its side effect of hair growth it was reinvented to treat hair loss these days.
Medical procedures like hair transplant surgery are the most viable way to treat male pattern baldness. However, these types of procedures are expensive, but they do show great results. Scalp reduction is also becoming popular treatment among men with male pattern baldness. Although, this type of medical procedure is only effective when male pattern baldness is at its early stage, as the hair loss on the scalp is still contained in small area.
Suggested Products
Hair Essentials™ for Hair Growth
Revivogen Thickening Conditioner
Our Expert
Paulina Nelega, RH, has been in private practice as a Clinical Herbalist for over 15 years. She has developed and taught courses in herbal medicine, and her articles on health have appeared in numerous publications. She is very passionate about the healing power of nature. Ask Dr. Jan

subset: commoncrawl


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Q: Are other fish like my plecostomus as hardy over the winter as my koi?
Dale – Paoli, PA
A: Last week, we talked about how koi and certain types of goldfish, like Sarassa and Shubunkins, can overwinter in your pond or water garden even when water temperatures dip to near-freezing levels.
But what about other common pond fishes?
Well, it depends on your USDA hardiness zone, which divides the country into zones based on how cold the temperatures get. Just as with plants, some fish species can be "hardy" in some climates and not in others. An Oranda, for instance, might do just fine overwintering in a pond in Orlando, Fla., but up in Fargo, N.D., that same fish would turn into a popsicle—even with an aeration system and de-icer.
When the temperatures begin to fall in colder zones, here's what you do:
1. Keep a close eye on your pond's water temperature using a thermometer, like the Pond Logic® Floating Pond Thermometer. When the mercury hits 68 degrees or so, it's time to bring those less hardy fishes—including Plecostomus, Oranda, Telescope goldfish and Black Moors—inside.
2. Carefully scoop those snowbird fishes out of the pond with a net, like The Pond Guy® 3-in-1 Interchangeable Pond Tool, and place them in a bucket pre-filled with some of your pond's water.
3. Re-home the fishes in a properly sized indoor fish tank or aquarium outfitted with the right mechanical and biological filtration system for the job. Be sure to condition the water and pre-treat it with some beneficial bacteria to kick start the system's biological filtration, too.
As soon as sun thaws your pond water—or at least heats it back up to room temperature—it's safe to return those fishes to their "summer" home.
Pond Talk: What kind of overwintering setup do you have for your less hardy fishes?
Filed under: Seasonal Care, Water Gardens & Features, WG-Winterizing | Tagged: fish, overwintering |


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Welcome to Charter Funerals
Charter Funerals is a regional funeral and cemetery service dedicated to creating meaningful ceremonies that honor the lives of those who have passed, as well as provide comfort and assistance to those coping with grief and loss.
Charter Funerals has grown to become one of the largest funeral services providers in the Kansas City region, and we have built a reputation for the quality and dignity with which our funeral professionals carry out the preparations for every service.
You can count on Charter Funerals for superior service and the highest degree of integrity and sensitivity. Our informative, well-trained staff is here to assist you with a full range of on-site services featured at our nine locations.
If there is anything that we can help you with, whether planning for the future or with an immediate loss, please get in touch with us at (816) 921-5555.


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Smoke Free Nebraska
SmokeFree Nebraska Home
Nebraska Clean Indoor Air Act
Quitting Tobacco
Secondhand Smoke
Tobacco Free Nebraska
Indoor Air Quality Program
There is no safe level of exposure to tobacco smoke. Any exposure to tobacco smoke – even an occasional cigarette or exposure to secondhand smoke – is harmful.1
With the implementation of the 2008 Nebraska Clean Indoor Air Act, Nebraska has made tremendous progress in reducing exposure to secondhand smoke within the state.
Reducing exposure to secondhand smoke is vital to improving public health.
On this site you will find information and resources related to the Nebraska Clean Indoor Air Act and smoke-free housing.
Five Years of Smoke-Free Air, 2009-2014 - May 2014


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Eric's Morning Forecast November 8
As expected, clouds did roll in today as another storm system gathers strength and moves toward New Mexico.
Other than the clouds though, today will still be quite nice with more of those warm temperatures and relatively light winds.
Winds will be considerably stronger tomorrow, and we could also start to see some showers and thunderstorms move into the northwestern corner of the state.
Saturday will be an even stronger wind day, probably the strongest wind day of this next storm system, and scattered rain showers that are expected to develop late in the day will act to kick up some even stronger wind gusts(maybe 50 mph+) as some of that rain will evaporate before it hits the ground.
The best chance at picking up some much-needed moisture will come Saturday night and Sunday morning when a big shot of cold air and instability pass by overhead, and central and northern New Mexico will see any rain showers change over to snow.
Many communities will surely be seeing those first snowflakes of the season on Sunday morning, and higher elevation locations across northern New Mexico will probably see some accumulating snow.
From Santa Fe up towards Taos, an inch or two of snow is definitely possible, and the mountains will likely see several inches of accumulation.
This storm system will depart on Sunday afternoon after throwing down some seriously cold wind chills in its wake, and Monday and Tuesday look quiet with slow to warm temperatures.
There could be another storm system with more strong winds to deal with later next week…stay tuned!


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Waterstone exists to advance the Kingdom of God - His rule and reign in His creation. We strive to catalyze and experience the transformation of God's Kingdom in our own lives, the lives of others in our community, and the lives of those around the world.
Give Online
Jan 26, 2020


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I am a new customer.
By creating an account with Jet200 Performance you will be able to shop faster, be up to date on all your order statuses, maintain a history of the orders you have previously made, plus rate and review any products we sell.
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Rolling Back Inclusion
Tracking the assault on community developmentUpdate: While we are leaving this page up for archival purposes, it is no longer being updated. For important organizing updates around ongoing attacks on inclusive community development, we recommend visiting CarsonWatch
The Democracy Collaborative is deeply concerned that the antipathy or outright hostility of both the current administration and the current Congressional majority to the federal infrastructure of community development will translate into irreparable harm to the low income communities, especially communities of color, who continue to struggle with the legacy of decades of disinvestment, discrimination, and dispossession. We believe—along with the rest of the community development field—that robust, effective federal action is necessary to expand the access of marginalized communities to affordable housing, good jobs, and an equitable share in America's prosperity. In order to help communities across the country—both rural and urban—speak up in a moment in which the administration has made clear its intentions to scale back or dismantle these key federal frameworks, we will be tracking the new federal attacks on inclusive community development here, along with state-level measures enabled and encouraged by the new federal context.
President Trump's Fiscal Year 2018 budget proposal completely eliminates 66 federal programs, including many important community development programs: Rural Business-Cooperative Service (USDA), Single-Family Housing Direct Loans (USDA), Economic Development Admionstration (Commerce Department), Manufacturing Extension Program (Commerce Department), Minority Business Development Agency (Commerce Department), Community Service Block Grant (Health and Human Services), Choice Neighborhoods (HUD), Community Development Block Grant (HUD), HOME Investment Partnership Program (HUD), Self-Help and Assisted Homeownership Opportunity Program Account (HUD), Corporation for National and Community Service (Independent Agency), Neighborhood Reinvestment Corporation (Independent Agency), Appalachian Regional Commission, Delta Regional Authority, Denali Commission, Northern Border Regional Commission.
Trump administration regulators plan to change the Community Reinvestment Act (CRA), the rules that govern banks. The changes would lower lending requirements and reduce penalies for failure to comply to the rules. One change could involve expanding the definition of "community development" to include lending to projects that don't solely benefit low-income people. The National Community Reinvestment Coalition (NCRC) argues that this change would diminish lending to the poor and inflate banks' CRA ratings. "If you begin to move away from the focus on income and class of the borrower and begin to expand it, you're really changing the law," said John Taylor, president of NCRC.
The tax overhaul plan retains the Low Income Housing Tax Credit, retains Private Activity Bonds, retains the New Markets Tax Credit, and lowers the corporate tax rate from 35 percent to 21 percent, which will impact housing credit values.
Washington, DC's council recently created a $10 million affordable housing fund. Unfortunately the success of the fund maybe threatened by the House tax bill, which eliminates tax exemption for private activity bonds. Affordable housing preservation projects often depend on these tax exempt bonds in order to attract tax-credit motivated investors. Washington, DC is just one location where affordable housing would be severly impacted by the elimation of private activity bonds' tax exemption. The National Low-Income Housing Coalition, estimates that the elimination of tax-exemption for private activity bonds would result in the loss of over 80,000 affordable homes each year.
The House tax plan eliminates private activity bonds' tax exempt status, a critical part of low-income housing financing. In King County, Washington, the elimation of this tax exemption would result in a loss of 1,100 affordable apartments and another 1000 units elsewhere in the state in the next year alone. The Senate tax plan preserves the tax exemption but the two chambers still have to reconcile the bill.
The Republican tax plan would have a devastating impact on affordable housing. It's also a statement about priorities. The GOP tax plan radically alters who pays for the needs of the country, putting the burden on poor and working families and giving the wealthy and corporations a pass.
The House Republican tax plan sought to remove the tax exemption for Private Activity Bonds (PAB), which are used for economic development projects and non-profits like hospitals and are also often used in conjuction with Low-Income Housing Tax Credits. Affordable housing advocates are breathing a sigh of relief because the Senate tax plan retains the tax exemptions for PABs. However amendments may still be written into the plan and the House and the Senate still have to be reconciled as well, so the issue may still not be off the table.
The Republican tax reform plan caps the Mortgage Interest Deduction (MID) at mortgages of $500,000 rather than $1 million, a tax break that mainly helps white, wealthy households. One study found that, "the MID cost the federal government $71 billion, more than double the $29.9 billion funding Section 8." Eighty-five percent of MID benefits go to high income households. About 67 percent of households are white, but 78 percent of MID benefits go towards them, reinforcing the racial wealth and asset gap. Rather than using the savings from the MID cap to pay for programs like housing vouchers and public housing that would help rent-burdened household or assisting low-income people with down payments for a first home, the savings will largely go towards greater tax breaks for wealthy Americans and corporations according to the plan.
Like countless other affordable housing advocates across the country, Massachusetts affordable housing organizations are opposing the GOP tax plan. The Citizens' Housing and Planning Association (CHAPA) of Massachusetts opposes the bill because it weakens the value of the Low Income Housing Tax Credit, eliminates the New Markets Tax Credit and the Historic Rehabilitation Tax Credit, and the savings from the lowering the mortgage interest deduction aren't redirected toward affordable housing credits. CHAPA cites the devastating impact in a state which has a shortage of 158,769 affordable housing units for extremely low-income households. The bill would have a similar impact in cities and states with housing crises across the country.
Affordable housing advocates in New Hampshire are speaking out against the GOP tax reform bill, with the director of Housing Action NH, Elissa Margolin She, says, "would end any progress on affordable housing." Her organization and others oppose the weakening of the Low Income Housing Tax Credit, the elimination of tax exemption on Private Activity Bonds including multifamily housing bonds, the elimination of the New Markets Tax Credit, and reforming the mortgage interest deduction without redirecting the funds toward affordable housing.
A new report from the Atlanta and Cleveland Federal Reserve Banks finds that minority-owned business have a significantly harder time obtaining credit than white-owned businesses with similar perfomance profiles and credit risks. Black- and Hispanic-owned businesses are more likely than their white counterparts to use Community Development Financial Institutions to gain financing, but the Trump administration has proposed eliminating the Community Development Financial Institutions (CDFI) fund, despite vows to "create a business climate in which minority business enterprises can thrive and expand. The GOP tax plan is also largely opposed by small-business associations and would likely have a negative impact on small minority-owned businesses.
The GOP's tax plan would benefit the Trump Organization, the NFL, and the Koch brothers' Georgia Pacific subsidiary, but small businesses like the neighborhood pizza place or your mechanic would see very few benefits. The House plan lowers the pass-through rate to 25 percent, and Republican leaders have been touting this move as a small business tax cut. The tax cut would almost exclusively benefit wealthy business owners, since most low- to middle-income business owners are among the eighty-six percent of people who report pass-through income that already fall in the 25 percent tax bracket.
Although Republicans claim that no one in the middle class is going to get a tax increase, analyses have consistently found that the plan would raise taxes for millions of middle-income Americans. By 2026, 45 percent of middle-class families would pay more than what they would under the current tax system.
The GOP tax plan eliminates the tax exemption for private activity bonds, which allow tax-exempt municipal bonds to be issued on behalf of a government for a project built and paid for by a private developer. These bonds are a critical part of financing affordable housing and other infrastructure projects in the public interest.
The House GOP tax plan retains the Low Income Housing Tax Credit, but eliminates private activity bonds' tax exemption, lowers the corporate tax rate from 35 to 20 percent, eliminates the New Market Tax Credit allocation authority after 2017, and eliminates the historic rehabilitation tax credit. All these changes would have devastating consequences for community development and affordable housing.
The GOP tax plan retains Low Income Housing Tax Credit, but private-activity bonds' tax exemption would be eliminated, which would cut off the flow of 4% LIHTC bond-financed units. This type of financing accounts for over 40% of affordable housing production. The proposal also lowers the corporate tax rate from 35 to 20 percent. The Historic Preservation Tax Credit and the New Markets Tax Credit are also proposed for elimination.
A new study from the National Community Reinvestment Coaliton (NCRC) found that proposals to change the Community Reinvestment Act (CRA) from the banking industry would enable midsize banks to circumvent federal requirements to lend and invest in low and moderate income communities. Under the current requirements of the law, they lend and invest about $3 billion in community development in these communities, but the study shows that proposed changes to the CRA would lower that number by at least 50 percent.
The Republican Tax Framework explicitly protects a few tax credits, but the 9 page document omits preservation of the New Markets Tax Credit. NMTC investments go to some of the most economically distressed rural and urban communities in America. A spokesperson for the NMTC Coalition said, "The tax reform framework released today certainly doesn't shut the door on the NMTC, but it is unfortunate that the leadership omitted the NMTC from its list of credits that were essential to preserve—especially in light of the strong bipartisan congressional support for the credit and the incredible track record it has built in some of the poorest, most forgotten communities in our country."
The House of Representatives removed a measure froma funding bill that would have placed the National Credit Union Administration (NCUA) under congressional appropriations, giving leglislators control of the independent regulator's budget. The removal of the language is generally considered "a huge victory for credit unions and their member-owners."
The House passed a $1.2 trillion 2018 funding package that included eight new bills and four bills that were previously passed in in July. This is the first time the House has advanced all 12 bills simultaneously since 2009. The bills provide $621.5 billion for defense spending and $511 billion for nondefense discretionary spending.
Since Ben Carson's appointment to Secretary of Housing and Urban Development, the department has been rudderless under a leader with no government or housing experience. Since his confirmation many top positions in the agency remain unfilled and what guidance has come from the leadership is often delayed out of negligence or a willful desire to slow initiatives down. Secretary Carson has also done nothing to preserve HUD funding for key programs in the budget process, arguing that poverty is merely a "state of mind". His family has also taken an oddly prominent role in the department's management joining publicly in many of Carson's "listening tours."
The Senate Appropriations committee unanimously approved the FY2018 Transporation, Housing and Urban Development, and Related Agencies (THUD) Appropriations Act. The Senate THUD Bill provides $60.06 billion, $2.41 billion more than fiscal year 2017 and $12.13 billion more than what Trump's budget proposal requested. The bill preserves important community development programs, such as NeighborWorks. Although this bill is an increase from last year's spending, it is "still less in nominal terms than it was in 2010," according to Senator Jack Reed (D-RI).
Two programs, the Community Development Block Grant Program and the HOME Program, that were proposed for elimination by the Trump Administration budget, are poised for $100 million in cuts each, based on the House Appropriation's bill. Local leaders in housing and health around the country are worried about what these cuts mean for their communities. Emily Wright, executive director of the Grand Forks Community Land Trust, for example, says, "If it's just reduced budgets, that's something we've seen for the last couple decades. But there comes a point where it's reduced so much that you can't provide the service you're supposed to provide."
The Federal Reserve's Community Advisory Council has sharply criticized Trump's proposed budget as well as proposals on healthcare, immigration, and climate change. The Fed's Community Council said, "Proposed cuts to health care, food assistance, and significant cuts in taxes for the wealthy will exacerbate disparities in wages, borrowing, affordable housing finance, and employment across major demographic segments and regions."
The Obama-era HUD rule, Affirmatively Furthering Fair Housing asked jurisdictions to provide data on how zoning affected racial segregation in their boundaries. Wealthy suburban Westchester County failed to properly provide this documentation 10 times in eight years. Despite submitting the an inaccurate document that as "essentially the same" as its precursors, HUD has now approved the document, claiming to find no evidence of exclusionary zoning. This sudden about-face, came shortly after Lynne Patton, former Trump family party planner took the helm of HUD Region II, which includes Westchester.
In Sarasota and Manatee Counties, Florida, Community Development Block Grants are used each year to provide housing to homeless people and fund loans for low-income resididents to repair thier homes. The grants also hire social-service workers in the counties' depressed communities and to provide meals to low-income seniors. The Trump administration has proposed eliminating the program, and now local leaders are calling on Office of Management and Budget to look to Manatee and Sarasota counties for examples of the positive results of the funds being targeted at the poorest populations.
The National Association of Federally-Insured Credit Unions (NAFCU) is urging the House Appropriation Committee to approve $250 million in funding for the Community Development Financial Institutions Fund, restore funding for the National Credit Union Administration (NCUA) Community Development Loan Fund, create a five-member Consumer Financial Protection Bureau commission, and to keep NCUA out of the appropriations process. The House appropriators will be marking up a spending bill on July 13th.
Members of the U.S. Conference of Mayors have called upon legislators to reject the cuts proposed to key community development programs in Trump's budget during the appropriations process. More than 350 mayors from both parties in cities across the country have asked Congress to fund the Community Development Block Grant Program at $3.3 billion, a $300 million dollar increase from FY2017. Mayor Bryan Barnett, Republican leader of Rolling Hills, Michigan, saying, "There's probably no issue I'm familiar with that has such a strong bipartisan support."
Since the early 1990s around 20 percent of America's public housing has been demolished. At the same time, politicians from both sides of the aisle have pushed programs that support privatization or light-housing subsidy for affordable housing, rather than outright public ownership of housing projects. With a huge backlog of repairs in America's existing public housing and more American's becoming rent burdened every year, now is the time for investment in public housing, not the time for massive budget cuts.
The President's proposed cuts would have disparate impacts on programs for the elderly and disabled. For one elderly Newport News couple, the Jeffersons, a local program funded by a Community Development Block Grant program allowed them to stay in their home after Belinda Jefferson lost her job due to a brain aneurysm. According to Karen Wilds with the Newport News Redevelopment and Housing Authority, "We have more people that need this sort of thing than there are resources to go around." For communities around the country like Newport News, the proposed $6 billion in HUD cuts would have similarly devastaing impacts on the elderly, disabled, and poor.
Republican legislators representing the rural areas that helped elect President Trump are voicing disagreements with many of the proposed funding cuts to programs that assistant economically depressed areas. Representative Claudia Tenney (R-NY) argues, "I'm for growing the economy, but you can't pull the rug out from my consituents in two of the poorest small-metro city regions in my district...We need the social services support and some of the other issues that are being cut." Strategists say that both Democrats and Republicans may face electoral blowback if programs critical to their constituents are cut, but for now, both the House and Senat are proceeding with the appropriations process without the passage of a budget resolution.
Homeowners and activists in more than 15 cities came together on July 7th to protest proposed budget cuts to the U.S. Department of Housing and Urban Development. More than 40 organization have joined the #Nocuts Coalition preserve funding for affordable housing and community development, including: People's Action, Center for Popular Democracy, Right to the City Alliance, Homes for All, Community Voices Heard, New York Communities for Change, MHAction, Tenant Union of Washington State, Homes For All Nashville, Baltimore Housing Roundtable, United Workers, ARISE, One Northside, Jane Adams Senior Caucus, Housing Justice League and Miami Workers.
Representative Maxine Waters (D-California) called for the preservation of the many housing and community development programs proposed for elimination in the White House's budget blueprint at the Save HUD 202 Rally on July 7. In particular she called for increased funding for the Section 2020 Supportive Housing for the Elderly program. "In the face of rising rents, for older renters, access to federally subsidized housing is key to financial stability," Rep. Waters said, "Unfortunately, of the 3.9 million seniors eligible for assisted housing, only 1.4 million (36 percent) of very low-income persons aged 62 and older receive the rental assistance that they so desperately need."
Rep. Elijah Cummings (D-Maryland) and Rep. Hakeem Jefferies (D-New York) have snet a letter demanding more information on the President's conflicts of interest due to his stake in the nation's largest federally subsidized housing complex. Trump owns a 4 percent share in Starrett City, an affordable housing complex in Brooklyn, earning him over $5 million each year. The president could benefit if HUD were to allow the sale of the complex to private developers. The president's proposed budget also included major cuts to most HUD programs, except the program that provided subsidies to Starrett City. The Congressmen also questioned the appointment of Lynne Patton, former Trump family event planner with no housing experience to lead the New York and New Jersey HUD office.
Trump's budget proposal threatens to eliminate the Community Development Block Grant. For Baltimore, this means a loss of $19 million for programs such as affordable housing, literacy education, job training, early child care, and home ownership counseling. Communities across the country worry about what the possible loss of this flexible source of funding would mean for their most vulnerable residents.
Funding cuts proposed for HUD would have a huge impact in New York City where affordable housing is extremely difficult to come by. According to Shola Olatoye, the chair and CEO of New York City Housing Authority, "We could potentially lose 13,000 vouchers. That's not only in 13,000 households, but also… those small businesses that rely on that constant cash flow to operate buildings across the city." If her predictions are accurate, 15 percent of Section 8 house holds could lose their subsidies in New York City.
In over 20 cities across the US, protesters gathered outside HUD offices to oppose cuts to the agency's funding, particularly the massive cuts proposed by President Trump to public housing. A 29 percent cut was proposed for public housing as well as a 5 percent cut to programs that provide subsidies to low-income tenants in private housing. Activists were asking Congress, "Don't cut HUD, but (also) fully fund HUD," according to Afua Atta-Mensah, Community Voices Heard executive director, an organization participating in the protests.
The potential for a major cut to the corporate tax rate as proposed by both Trump and Congressional Republicans has caused a 10 to 15 percent drop in the value of Low Income Housing Tax Credits (LIHTC), although no tax plan has actually been passed. Experts estimate that a drop of this amount would likely result in 10,000 to 15,000 fewer affordable housing units being built.
The success of the New Markets Tax Credit (NMTC) program has inspired legislators to introduce the Investing in Opportunity Act (H.R. 828, S. 293), which would create tax incentives for investments in economically distressed communities (termed Opportunity Zones in the legislation). If passed into law, the program would allow taxpayers to defer gains realized on other investments if a taxpayer agrees to reinvest those gains in areas designated as Opportunity Zones. Governors would be able to nominate up to 25 percent of a states NMTC-qualified areas as Opportunity Zones for targeted private investment through the program.
The President's proposed tax plan is the biggest setback in the flow of money to the development of low-income housing since the Great Recession in 2008. Because the administration, proposes cutting the corporate tax rate by over half, there's been a 10 percent drop in the amount of money invested in Low-Income Housing Tax Credits. That's over $1 billion in private investment--enough to fund 8,000 affordable rental units.
Twelve mayors from across the country have signed a letter opposing a $1.3 billion cut to the public housing capital fund, warning that cities would be unable to afford repairs to public housing stock on their own. The statement urges the Trump administration to reconsider the proposed 67 percent cut to the fund, which is used to update plumbing, electrical systems, roofs and more in the nation's public housing.
During a visit to Baltimore, HUD Secretary Ben Carson said he hopes to significantly expand the Rental Assistance Demonstration (RAD) program, a program that allows cities to sell public housing to private developers in order to fund repairs. Baltimore has already sold 2,670 public units to private investors through the RAD program, in order to chip away at a backlog of repairs. According to Jeff Singer, a housing expert and advocate at the University of Maryland, Baltimore School of Social Work, "It would be much cheaper for the federal government to just to appropriate the money."
Ben Carson has appointed Lynne Patton, former Trump Family event planner with no housing experience to HUD Region II, the agency's largest district. Patton's experience in government is limited to six-months as the department's director of public engagement organizing Ben Carson's speaking tour. Patton's promotion comes after HUD had claimed Patton had in fact not been appointed after outrage from politicians in the region.
Lynne Patton, former Trump family party planner has been promoted to the director of HUD District II, the agency's largest district, which includes the New York City Housing Authority. She received the promotion after working for only six months at HUD, arranging Ben Carson's speaking tour, a position many have said she fumbled. In fact, Carson's speaking tour was cancelled partway through.
Trump's budget proposes massive cuts to HUD programs. One of the few programs spared from steep cuts is a project-based rental assistance program that Trump personally profits from. The program directs money to Starrett City, a the nation's largest subsidized housing complex, of which Trump is a landlord with a 4 percent stake, earning him at least $5 million between January of last year and April 15.
After outrage over the appointment of Lynee Patton, a Trump-family event planner with no housing experience, to administator of HUD's Region II office, HUD officials appear to back tracking about the appointment. In a major about face, HUD spokesman Jereon Brown has now said, "The position is vacant. There's been no official announcement."
The city of Great Falls, Montana recently received $893,809 in federal funds for community development and housing projects, but city officials and community development practioners worry that it may be the last time. Great Falls has used CDBG funds to create a revolving loan fund that is administered by the city and Neighborworks Great Falls, the largest nonprofit housing provider. The funds were also used for infrastructure improvements to sidewalks and streets. During that same period, HOME funds have been used to make rental units availbe to low- to moderate-income residents in the city. Unfortunately both these safety nets are slated for elimination in Trump's FY2018 Budget Proposal.
The White House FY2018 Budget Proposal zeros out funding for the Community Development Financial Institutions Fund. The CDFI Fund makes grants and loans to CDFIs--financial institutions that go to places where banks and other private financial institutions won't go because it isn't profitable. The over 1,000 CDFIs in the US make loans to small businesses, affordable housing providers, health centers, and grocery stores in some of the most disinvested communities.
The Trump adminstration has appointed Lynne Patton to head up the U.S. Department of Housing and Urban Development's Region II, which includes New York and New Jersey--a position which put her in control of the distribution of billions of taxpayer dollars in New York and New Jersey. Patton is a long time Trump loyalist, serving as the family's "event planner" and arranging Eric Trump's wedding. She has no previous experience in housing or community development.
The proposed White House Budget would have a major impact on communities across the nation. For Fort Collins, it would mean the loss of key programs that have helped house homeless people in the city and a center for adult learning that helps people learn English or get their GED. Fort Collins would lose $1 million a year in flexible community development funding if the Community Development Block Grant program is eliminated. It would also lose $500,000 a year of support for low- and moderate-income families if the HOME Investment Partnership program is cut.
Syracuse will receive $5.5 million in HUD funding this year, but many in the city worry that these federal funds will run dry if the President's proposed budget comes to fruition. On the chopping block are two programs important to creating affordable housing and community development in Syracuse: the Community Development Block Grant and the HOME Program. In fact, CDBGs are the single largest source of direct federal aid each year for the city and the elimination of these programs would have drastic impacts for the city's poores residents.
Republican Representative Pat Tiberi (Ohio) and Democratic Representative Richard E. Neal (Massachusetts) defend the New Markets Tax Credit, a program that is proposed for elimination in the President's FY2018 Budget. In FY2016 alone, the NMTC helped finance 530 businesses, facilities, and economic development projects, while helping to create 11,000 permanent jobs and almost 27,000 construction jobs in distressed rural and urban places. Along with Rep. Tom Reed (R-NY) and Sens. Roy Blutn (R-Mo.) and Ben Cardin (D-Md.), the authors have introduced the New Markets Tax Credit Extension Act of 2017 to make NMTC a permanent part of the Tax Code.
In a Senate committee testimony, HUD Secretary Ben Carson defended the slashing of the HUD budget in the administration's FY2018 Budget Proposal. He claimed that Community Development Block Grants, which fund local housing projects across the nation, was not among HUD's "primary goals." He also justified the proposed cuts by telling committee members, "We have to stop the bleeding if we're going to get healing." Confusingly, he also praised the US Interagency Council on Homelesness as "effective," even though the Trump Budget eliminates it entirely.
HUD Secretary Ben Carson lauded the US Interagency Council on Homelessness (USICH) while speaking before a Senate committee, praising its effectiveness. It is unclear whether or not, Carson knew that the Trump administration budget eliminates the federal homelessness agency altogether. According to researchers, without USICH, 250,000 people may lose housing assistance and 25,000 may become homeless. The budget proposal also envisions major cuts to the HUD funding, cuts that Carson has defended.
Trump's budget proposal dissolves the Rural Business and Cooperative Services. The Service helps create economic opportunity and spur job growth in rural communities, and it administers the Rural Cooperative Development Grant (RCDG) program. The National Cooperative Business Association CLUSA's Alan Knapp writes, "While we're dissapointed in the priorities outlined in the budget proposal, NCBA CLUSA is confident that Congress will ultimately recognize the value of cooperative development...Now is the time to throw all of our energy and resources into highlighting, defending and ensuring the continuation of the good work cooperatives and their members do."
In an inteview on SeriousXM Radio, HUD Secretary, Ben Cason said that he believes that poverty is a "state of mind." Carson spoke at length about "personal responsibility," while complaining about what he sees as a systemic dependence on government assistance. He claims that current assistance programs "pat them [the poor] on the head and say 'There, there you poor little thing, we're going to take care of all your needs. You don't have to worry about anything.'" Currently HUD is slated for over $6 billion in budget cuts in fiscal year 2018, including cuts that would end grants for first-time homeownership and the Community Development Block Grant.
The priorities proposed in President Trump's recently released budget proposal add to the incomes of the rich while tearing the social safety net out from underneath America's poor. The tax cuts in the proposal include trillions of dollars in taxes that are paid primarily by the wealthy, such as the estate tax and the marginal rate on ordinary income paid by the richest tax payers. While reducing taxes for the rich, Trump also would lessen spending on Medicaid and food stamps.
The President's just $4.1 trillion budget proposal cuts deeply into programs for the poor, including cuts to health care, food stamps, student loans, and disability payments. Instead the proposal increases spending on the military by 10 percent and includes $1.6 billion to begin work on a wall on the border with Mexico.
Trump's budget proposal is set to be unveiled on Tuesday. Among the expected cuts are major cuts to Medicaid and other assistance programs for low-income Americans, such as the anti-hunger program, SNAP.
According to a budget proposal draft obtained by Politico, the HUD budget proposal includes a $6 billion budget cut to the agency for fiscal year 2018, similar to the cuts proposed in President Trump's "Skinny" Budget. The cuts include eliminating Community Development Block Grant program, Choice Neighborhooods, HOME Investment Partnerships Program, and rental assistance. Trump's budget proposal is expected to be released on Tuesday.
This tool from the National Priorities Project allows you to compare federal spending for programs with what those taxpayer dollars could have paid for instead. For example, the $7.48 billion spent on the Federal Prison System could have paid for 92,536 elementary school teachers for a year or created 74,790 jobs with supports in high poverty communities or provided wind power to 8.42 million households for a year.
Community Development Block Grants, a $3 billion source of flexible funding for community and economic development and afforable housing for low- and moderate-income communities may be safe for the time being. The federal spending agreement that will keep the Federal Government funded until September that's due to be voted on later this week, shows no cuts to CDBGs. However, the fight to keep the program alive will have to continue this summer and fall as negotiations over the full budget resume.
The House and Senate are scheduled to vote on a FY2017 funding deal that includes a $15 million increase for the Community Development Financial Institutions (CDFI) Fund by the end of this week. The funding measure will fund goverment program through September 30th. President Trump has proposed elminating the CDGI Fund in his 2018 Budget Blueprint, so the program is not out of the woods yet.
In communities across the country, worries about the loss of the Community Development Block Grant Program continue to rise. In Washington State, CDBGs have helped fund food banks, affordable housing developments, water infrastructure improvements, fire equiment, and much more. For example, in Marysville, CDBGs have allowed the Marysville Community Food Bank to pack food backpacks that low-income students could take home on Fridays so that they would not go hungry over the weekend. The program runs on a slim $15,000 yearly budget from the CDBG program, but has a big impact in the community. Without CDBG funding 400 students in 22 schools would likely go hungry each weekend.
Trump's tax proposal has historic preservationists and developers worried about revival efforts in Buffalo. The federal historic preservation tax credits have been used to finance 65 major development projects in the city, helping to fund more that $406 million in development in the region. The New Markets Tax Credit has also been used to fund 13 major local projects for more than $182 million in development in the region over the years. With lower corporate tax rates these programs would be less effective and the White House proposed eliminating the New Markets Tax Credit all together in its 2018 budget.
The Community Development Financial Institution (CDFI) Fund Program helps attract investment to underserved rural and urban areas. Last year CDFI Fund yielded $2.1 billion in loans and investments that led to the creation of 28,000 jobs. Also proposed for cuts from the US Treasury's budget is the New Market Tax Credit (NMTC) program, which has generated $8 of private investment for every $1 of federal funding. The NMTC program has created or retained nearly 300,000 jobs since 2003. Together the loss of these programs would put an end to two decades of investing and development in distressed and underserved areas.
Across the US, only 21 units are available per 100 extremely low-income renter households without government assistance, according to a new report from the Urban Institute. The affordable housing crisis transcends the urban-rural political divide. The report shows that without federal assistance, rural counties would lose 40 percent of the housing stock that's affordable to extremely low-income households and urban counties would lose 57 percent. Despite promises to help rural America and fix "inner cities," President Trump's budget blueprint proposes cutting the USDA and HUD progrmas assistance programs.
The City of Los Angeles plans to build 10,000 new units of affordable housing to help house its homeless population may be hurt by President Trump's proposal to cut the corporate tax rate by 20 percent. In addition to the bond money the city has allocated to the housing, developers also rely on the Low-Income Tax Credit program to fund the low-income developments. If these tax credits are worth less, investors may pull back from affordable housing plans. Already based on speculation about the corporate tax rate, the value of the credits have fallen by about 15 percent.
Low-income housing tax credits are key to financing affordable housing project in the US. If President Trump's proposal to lower the corporate tax rate by 20 percent goes through, the future of many affordable housing projects is at risk. Already the president's promises have led some investors to reduce their investments in low-income housing developments.
According to a new poll by POLITICO, 88 percent of mayors ay that Trump's proposed budget would be "devastating" or "extremely painful" to their city. Based on his proposed budget, only 7 percent of mayors believe he cares about inner cities as he claims. Mayors are most concerned about cuts to Community Development Block Grants and Housing.
HUD's Rental Assistance Demonstration (RAD) program has been lauded by Secretary Ben Carson, who has stated that he hopes to expand the program, and legislators on both sides of the aisle. The program tries to save neglected public housing units by privatizing them, rather than adequately funding the billions need for backlogged repair. 60,000 public housing units have been converted through the program, but housing advocates are worried because many of the conversions have been nightmares for the tenants, with problems raging from illegal threats of eviction to discrimination against families with children and the disabled.
In Cairo, Illinois, junior high school students are writing letters to HUD Secretary to ask him to do more to fix public housing and help make sure they do not lose their homes. In early April, HUD announced that 185 families living in two public housing complexes would have to relocate, without offering any plan for providing new housing for the displaced. The move will affect 15 percent of Cairo's population. Despite the fact that public housing is already in a terrible state of disreppair, the White House has proposed a 13 percent cut to public housing authorities' budgets. Under such cruel measures, displacement of families like those in Cairo will only accelerate.
Community Development Block Grants provide flexible funding to cities, towns, and states for development efforts. Many of the programs and projects funded by CDBGs don't make headlines despite serving large numbers of low- and moderate- income people. Funding for CDBGS has dropped steadily from $15 billion in 1979 to $3.5 billion in 2015. Trump's budget proposes eliminating the program altogether.
Uncertainty and threatened cuts at the federal level are impacting the ability of local community development projects to move forward.
"The zeroing out in the proposed federal budget of Community Development Block Grant (CDBG) funding could cost Northeast Ohio cities and counties more than $40 million annually. That's federal money they have relied on for more than 40 years for everything from providing meals to senior citizens to storefront renovation and smoothing out potholed roads."
For senior households across the US, HUD Section 202 Housing for the Elderly program means not having to choose between paying rent or obtaining healthcare, food, or medicine. The program has already been relying on reserves to fund the rental assistance for seniors over the past few years. If Congress fails to enact the FY17 HUD appropriations bill, about 17 percent of the Section 202 rental renewals will be unfunded. Additionally the White House's proposal to cut the HUD budget by 13 percent in FY18 would likely also affect the 342,000 senior households in public housing and the 600,00 senior households that receive general rental assistance.
For senior households across the US, HUD Section 202 Housing for the Elderly program means not having to choose between paying rent or obtaining healthcare, food, or medicine. The program has already been relying on reserves to fund the rental assistance for seniors over the past few years. If Congress fails to enact the FY17 HUD appropriations bill, about 17 percent of the Section 202 rental renewals will be unfunded. Additionally the White House's proposal to cut the HUD budget by 13 percent in FY18 would likely also affect the 342,000 senior households in public housing and the 600,00 senior households that receive general rental assistance.
While the massive cuts to funding for community development programs proposed in the White House Budget have gotten a lot of attention, Trump's promises to slash corporate tax rates could have an equally devastating impact for inclusive community development. Low Income Housing Tax Credits (LIHTCs) and New Market Tax Credts (NMTCs) will be less attractive and valuable to investors if corporate tax rates have already been significantly lowered. S-Corp Employee Stock Onwership Plans (ESOPs) would also like see declines in growth, because the primary driver of transitioning to an ESOP for companies has been as a tax savings.
Trump has promised to revive the coal industry by signing a long-promised executive order to undo the Obama-era Clean Power Plan regulations. Despite his promises to help coal miners, his budget calls for the elimination of the Appalachian Regional Commission (ARC), which has inested more than $75.5 million to ease the transition from a coal-dominated economy to greater economic diversification.
While the devastation that will result from Trump's proposed budget cuts to community development, Trump's campaign promises to slash the corporate tax rate have already had major impacts for affordable housing development in Ohio. The promised tax cut has cause a 5 to 15 percent decrease in value for LIHTCs, which means a possible funding gap of $500,000 to $1.5 million for low-income housing projects in the state. The current lower valuations of the credits mean that between five and seven fewer projects will receive funds next year, resulting in 200-500 fewer affordable housing units for Ohio families.
In Philadelphia, city officials have created an action plan in response to Trump's budget proposal to urge city residents to contact elected officials to ask that they fully fund HUD in the coming fiscal year.
In February, Julián Castro, the former Secretary of Housing and Urban Development for the Obama Adminstration shared his view of the important investments HUD makes in both rural and urban communities across America in an interview with David Axelrod. During the interview, Castro noted that HUD's staff has been halved since 1981. In the weeks following the interview, the Trump Administration released a budget blueprint that would cut HUD's funding by over $6 billion, putting further strain on the already under-resourced agency.
Trump's budget blueprint will have a disproportionate effect on the Black community. Massive funding cuts proposed for HUD would be particularly detrimental to the Black community. For example, Atalanta received a $30 million grant through the Choice Neighborhoods program (which would be eliminated in Trump's budget) to cover housing, workforce training, and more, much of which has been directed toward its westside neighborhoods. However the attacks on fair, affordable housing began before Trump's budget plan was released. The proposed Republican bill to nullify HUD's Affirmatively Furthering Fair Housing rule would eliminate a policy to address racial disparities, and even ban the collection of data to understand how and where racial disparities exist.
The Trump administration claims that HUD's Community Development Block Grants (CDGB) program is "not well-targeted to the poorest populations," and that it "has not demonstrated results." Many communities who have used the funds to revitalize neighborhoods, build community spaces, or provide affordable housing would disagree with this assessment. Indianapolis, which has used the approximately $8 million in CDBGs it receives each year to leverage further private and non-profit dollars for its most distressed neighborhoods, is one city that has seen demonstrable results in the poorest areas as a result of federal investments.
The proposed budget cuts to HUD would have a huge impact on Boston's transitional housing programs for recovering addicts seeking permanent housing. Boston's Department of Neighborhood Development aims to end homelessness in the city by 2018, and the number of people housed in emergency shelters for six months or more has been cut in half in the past year. This progress may be undone according to Sheila Dillon, Boston housing chief, who says, "HUD has made it very clear to us...that they were not going to fund transitional housing or transitional programs anymore."
In Arizona, Trump's proposed cuts to HUD's Communtiy Development Block Grants (CDBG) program would put an end to numerous affordable housing programs. The award-winning Apache ASL Trails apartments for deaf seniors in Tempe wouldn't have been built without CDBG Funding. Financial counceling services provided through HUD funding wouldn't have helped tens of thousands of Phoenix homeowners. In Mesa, hundreds of victims of domestic violence and their children would be without the safe shelter provide by the Autumn House. In Glendale, 30 families with disabled family-members wouldn't have been provided affordable housing through the Orchard Glen neighborhood home.
In the state of Illinois, the proposed $6.2 billion in cuts to HUD has affordable housing advocates bracing for massive losses to rental assistance vouchers. Although housing vouchers were not specifically mentioned in the HUD cuts, only $4 billion in specific cut have been suggested, and many believe that vouchers are a likely target. The state stands to lose 8,298 vouchers according to the Center on Budget and Policy Priorities. The Chicago area would also lose $141 million in Community Development Block Grants and HOME Investment Partnership program funds.
Several Republican legislators have voiced disapproval of President Trump's Blueprint Budget due to its proposed reductions and eliminations of programs that serve their consituency. Many of agencies and programs slated for major funding cuts benefit poor rural voters, exactly those who supported Trump in the election, the most, including the Appalachian Regional Commission (ARC), the Economic Development Administration (EDA), the Delta Regional Authority (DRA), Community Development Block Grants, and the Department of Health and Human Services' Office of Community Services, which administers programs such as the Low Income Home Energy Assistance Program (LIHEAP).
While possible elimination of popular agencies such as the Corporation for Public Broadcasting and the National Endowment for the Arts have garnered a lot of public anger, several agencies focused on community development in some of the most poverty-stricken areas are also at risk of being eliminated if Congress approves Trump's proposed budget.
The $6.2 billion in HUD budget cuts proposed by the Trump Administration are the largest cuts in housing aid since the Reagan administration. It's estimated that more than 200,000 families, seniors, and people with disabilities who use the key HUD assistance programs being slashed would be in immediate risk of homelessness. Trump will also make the cuts in USDA rural rental assistance programs made during the Obama administration permanent.
Trump's recently unveiled budget plan would slash or eliminate programs that provide help for the lowest-income Americans. In fact, the budget hurts the working poor in rural and small towns, the core of Trumps supporters, the most, according to some experts. If carried out, the budget would eliminate the Community Development Block Grants, the Interagency Council on Homelessness, the Home Investment Partnership Program, the Community Development Financial Insititutions Fund Grants, and regional development agencies such as the Denali Commission in Alaska. These programs serve some of the most distressed communities of the coutry.
Urban Habitat has released a statement opposing the over $6 billion in cuts proposed for HUD, calling upon people rise up against the administration's inhumane policies "by placing local and regional self-governance on the frontlines of resistance."
Trump's proposed $6.2 billion cut to HUD would dramatically reduce New York's ability to provide public housing to more than 400,000 people. The New York City Housing Authority's (NYCHA) funding is composed of 60 percent HUD federal funding; preliminary estimates are that a $6 billion cut to HUD funding would lead to a devastating $350 million drop in NYCHA's budget for 2018.
Trump's proposal for the discretionary spending budget has been released. From the USDA to the Commerce Department to the HUD, important community development programs and funding sources were hit hard accross the board. The Washington Post details the cuts within each department.
Under Trump's proposed budt the Neighborhood Reinvestment Corporation, a program commonly known as NeighborWorks America, would be completely defunded. NeighborWorks America is a congressionally chartered nonprofit organization that provides support for community development and affordable housing. Just in 2016, the program created or maintained more than 53,000 jobs, helped 21,000 people become homeowners, assisted 360,000 other families find affordable housing, made repairs to more than 55,000 homes, and provided financial education to more than 116,000 individuals. It's estimated that in 2013, NeighborWorks helped 1.6 million homeowners avoid foreclosure, in addition to ranking as the third largest homebulider that year.
In addition to major funding cuts from most federal agencies, 19 independent federal agencies are being cut alltogether. These 19 agencies include 6 agencies related to community development: Interagency Council on Homelessness, Appalachian Regional Comission, Delta Regional Authority, Northern Border Regional Commission, Denali Commission, and the Neighborhood Reinvestment Corporation (NeighborWorks America). The Washington Post details the role of each of these organizations.
A potential $6 billion budget cut to HUD is coming at a time when more Americans are in need of affordable housing and funding has already been cut in past years. If HUD's draft budget is implemented, the National Low Income Housing Coalition (NLIHC) estmates that 200,000 housing vouchers, 10,000 senior housing units, and 6,800 units for people with disabilites would be lost. Beyond housing, HUD's programs have a ripple effect through local economies, improving education and health outcomes and creating jobs. A cut to the HUD budget this big would have destructive results extending beyond affordable hosuing.
Despite having pledged under oath to protect HUD programs during confirmation hearings, even going so far as to say "when it comes to entitlement programs, it is cruel and unsual punishment to withdraw those program before you provide an alternative route," Carson has barely reacted to the proposed $6 billion in cuts to HUD.
In Massachusetts, low-income housing is being delayed due to the falling value of Low-Income Housing Tax Credits caused by Trump's campaign promise to lower the corporate tax rate. Community development experts in the state say that projects six to 12 months from construction are most at risk. In addition to the falling value of LIHTCs, the possible budget cuts on the horizion for HUD, including the Community Development Block Grant Program and Federal HIstoric Tax Credit program, have affordable housing advocates and developers worried about a broader threat to affordable housing.
The Right to the City Alliance has released a statement on the proposed $6 billion in budget cuts, comdemning them as "yet another blatant attack on communities of color, immigrants, indigenous communities, differently-abled peoples, women, trans and gender nonconforming people. They are an attack on the fabric of our communities and on millions of low-income and working families who are struggling to find or keep permanent jobs and housing." RTC instead calls for investment in "healthy, safe, and sustainable communties."
HUD may face a $6 billion budget cut next year, and about $4 billion of the cuts are to the departments community development programs. The other $2 billion in cuts mostly come out of public housing programs with assistance for the elderly, veterans, and Native Americans as the worst hit. HUD's federal rental assistance programs help 4.1 million people, including 1.4 million children, afford safe housing each year.
With preliminary budget documents showing a $6 billion dollar cut to HUD, Ben Carson will need to both clarify his position on key HUD programs and take immediate action if he "means to preserve HUD's core functions and hope local officials get the support that they need to do their work." Housing Choice Vouchers, HOME, Community Development Block Grants, and Choice Neighborhoods Initiatives will be totally cut according to the plans. The Office of Native American Programs may also be cut by more than a quarter.
Despite Carson's confirmation hearings, in which he called rental assistance progrmas and public housing "life saving" and promised not to pull the rug out from under people relying on federal programs to obtain affordable housing, the recently released HUD budgets contradict Carson's statements. The preliminary budget cuts of $6 billion would eliminate Community Development Block, the HOME Program, and funding for maintianing public housing. There would also be $300 million cut from rental assistance programs for veterans, $42 million cut from senior housing, $29 million cut from housing for people with disabilities, and $150 cut from Native American housing block grants.
The Affordable Housing Credit Improvement Act of 2017 seeks to increase the Low-Income Housing Tax Credit by 50 percent. The bill, similar to one introduced in 2016, would expand the program to allow some students to qualify for LIHTC housing, and facilitate the development of housing for Native Americans, boost developments projects for extremely low-income occupants, and prohibit states from including local approval or local contribution provisions as a requirement for qualification.
11 Senators are co-sponsoring a bipartisan bill that would expand and strengthen the federal Low-Income Housing Tax Credit. The Affordable Housing Credit Improvement Act of 2017 would expand the Low-Income Housing Tax Credit by 50 percent. It is estimated that if passed, the legislation would help create 1.3 million affordable homes in the next 10 years, adding about 400,000 units to the projections under the current program.
Keywords: Article, HUD, Low-Income Housing Tax Credit
Housing assistance provided by HUD could see drastic cuts under new fiscal policies being considered by the White House and Congress. A massive corporate tax cut, coupled with increased military spending and a matching decrease in funding to domestic discretionary programs, could mean that some 5 million Americans may lose their housing assistance.
Although Trump has not yet moved to fulfill his campaign trail promise to lower the corporate tax rate, the affordable rental housing has already been hit hard. With investors anticipating a lower tax rate, the value of Low Income Housing Tax Credits, which fund about 90 percent of low income housing in the country, have dropped significantly since the election of Trump. Investors are even pulling out of existing projects, leaving developers scrambling to fill the funding gaps.
Retired neurosurgeon Ben Carson has officially been confirmed as the department of Housing and Urban Development (HUD) secretary. Carson has no government experience and had previously said that he was not qualified to run HUD or for government service. Carson's positions on many key HUD programs remain unclear.
Ben Carson, a former neurosurgeon, has been confirmed to head the Department of Housing and Urban Development (HUD). He has voiced support for some important inclusive housing programs, such as the Low-Income Housing Tax Credits (LIHTC) program. However, many are concerned about Carson's lack of experience and conservative position.
The New York Times has reported that it has obtained documents that show that the Community Development Financial Institutions Fund "would be all but eliminated" by Trump Administration budget cuts. The $258 million dollar program, which helps banks, credit unions, and loan funds in low income communities with development efforts, costs Americans about $0.79 each. The CDFI Coalition has released a statement opposing the elimination of the CDFI Fund in response to the news.
Trump's promise to lower the corporate tax rate from 35 percent to 15 percent continues to have a negative impact on the development of low income housing. The value of the Low-Income Housing Tax Credits dropped significantly around the time of the election, and this led investors around the country to hold off on planned affordable housing projects. Not only will low-income families in need of affordable shelter be affected, it's likely to also be felt by workers in the construction industry.
Trump's soon to be released "skinny" budget will likely eliminate the Community Development Financial Institutions (CDFI) Fund. The CDFI Coalition, a group of more than one-hundred community development lenders and investors to low-income communities, has expressed concern that the Trump administration hopes to dismantle the Fund, which primarily goes to those communities that Trump claims he hopes to help—struggling inner cities and rural towns. Last year the CDFI Fund financed over 11,000 businesses and helped create 33,000 affordable housing units.
Minnesota affordable housing projects come up short as funding for low-income housing is hurt by Trump's promises of a significant corporate tax cut.
In California, a state struggling with sky high rents and affordable housing shortages, the uncertainty about the corporate tax rate and the Low-Income Housing Tax Credit market, has created distress. The tax credit program is the largest source of funding for affordable housing, and according to the California Housing Partnership, the downturn could mean a drop in funding for low-income housing of $250 million this year.
Both the state of Illinois and the Trump administration are suggesting severe budget cuts. Chicago, a city that has seemingly caught Trump's attention as an example of his outdated vision of "inner cities," could be profoundly affected by draconian austerity measures and cuts to social services from both levels.
On the campaign trail, Trump proclaimed that he would protect federal programs for helping low-income and elderly Americans. However many of his cabinet appointees have expressed very different views and hope to elimate or reduce social safety net programs. Already Trump's budget office has alluded to future cuts to the Legal Service Corporation, Appalachian Regional Commission, Americorps, and the Neighborhood Reinvestment Corporation.
A massive new investment in infrastructure may be one of the only measures that retains bipartisan support in Washington. With plans circulating and Trump's campaign promise to deliver $1 trillion in investment, the type of infrastructure that this funding pays for could have enduring impacts—positive or negative—on people and place. A "WPA 2.0" could be one way to "develop new systems of infrastructure that can help ameliorate the impacts of urbanization and climate change" and use federal infrastructure funding to lift up both communities and people.
Bipartisan bills to protect the US Treasury's New Markets Tax Credit, which provides key funding to poor rural and urban zip codes, were introduced in the House and Senate. NMTCs have created an estimated 750,000 jobs and brough $75 billion in total capital investment to low-income communities. The New Markets Tax Credit Extension Act of 2017 would make the program permanent if passed.
In the face of cuts to federal spending on community development and affordable housing, Cities could fund low-income housing without federal support using a luxury housing tax as has been used in New York City.
A senior advisor at HUD was recently fired for criticizing Trump's portrayal of "inner cities as if they are the ailments of American society and should be exterminated and swiftly removed" during the campaign.
Uncertainty in the low-income housing tax credit marketplace is stalling affordable housing development in Massachusetts. This could potentially affect 23 projects and more than a thousand units in the state.
After pressure from over 2,000 private and public organizations in every state, bipartisan legislation to make the New Markets Tax Credit permanent has been introduced in both the House and Senate.
HUD will begin an investigation into predatory lending, neglect of foreclosed properties, and discrimination in communities of color by One West Bank, which was previously headed by Steve Mnuchin, Trump's Treasury Secretary.
The FBI has released hundreds of pages on the 1970s Trump Management Co. housing discrimination case. During the case, which was later settled, the Trump company was accused of racially discriminatory rental practices, including telling potential black tenants that rental costs were twice as high as the actual cost and using a racial code written on rental applications.
Uncertainty about financing affordable housing in Pittsburgh shows how Trump policies could disrupt plans to provide low-income housing in cities across the nation. City officials now worry about displacement, gentrification, and people being pushed out of their communities if these programs don't continue.
Corporate tax reform, budget negotiations, implementation of HUD's Affirmatively Furthering Fair Housing rule, and the infrastructure package are high stakes policy decisions on the horizon that could have major implications for community development.
Communty development organization, banks, credit unions, businesses, chamber of commerces, non-profit groups, schools, universities, city governments, and community leaders in every state have signed a letter asking Congress to permanently authorize and expand the New Markets Tax Credit. Over 2,000 groups have called on Congress to make this economic development program permanent that is primarily used in severely distressed communities.
Trump's policies to "fix" inner cities are likely to hit the poor, immigrants, and people of color the hardest.
Trump's directive to roll back Dodd-Frank could create a sequel to the 2008 housing crisis. An economic blow such as this would be especially punishing to his core supporters.
Trump's $1 trillion infrastructure plan is missing a key economic issue--housing. Not only would federally funded housing infrastructure provide stable shelter for American families, research also shows that housing is an effective way to stimulate the economy and create jobs.
GOP plan to abolish the estate tax would result in large tax cuts for the ultra-wealthy, including many of Trump's cabinet picks.
Apparently, funding for brownfield development and other EPA revolving loan fund grants is not paused according to Trump transition team.
EPA grants for brownfield redevelopment are frozen, at least temporarily, if not permanently.
Heritage Foundation budget proposal, currently being used as a model for Trump's first proposed budget, would eliminate the CDFI Fund and Community Development Block Grants, along with many other federal government agencies and programs.
Ben Carson's HUD Secreatry confirmation hearing reveals his inconsistent positions on HUD's key programs.
The National Cooperative Business Association CLUSA (NCBA CLUSA) has released a statement opposing the proposed cuts to and elimination of several programs critical to the development and support of the work of cooperatives in Trump's budget plan. The budget proposing cutting the USDA's Rural Cooperative Development Grant (RCDG) and regional development agencies.
The House and Senate have released their final tax bill, and it maintains all Private Activity Bonds' tax exemption. This is a victory for development finance since the House bill originally repealed in full the tax exemption for Private Activity Bonds.
Analysis from Ohio shows how Trump's lean budget would impact state budgets and programs. In Ohio, federal funds make up 37 percent of the state's budget (higher than the national average of 31 percent). Many organizations in the state rely on Community Development Block Grants to fund community development at the local level. Communities in the state will lose if the Appalachian Regional Commission, Economic Development Administration, and the Minority Business Development Agency are eliminated.


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The 7 Deadly Sins Of Conversation
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My latest PJ Media column is called, The 7 Deadly Sins Of Conversation. Here's an excerpt from the column.
There are lot of different conversational habits that can cause you to lose friends and alienate people. Unfortunately, you can slip into them quite easily. Next thing you know, you're wondering why the people at work don't want to go to lunch anymore and your buddies have stopped returning your calls. Worse yet, once a bad conversational habit becomes customary, it can linger like a bad smell for years at a time, ruining relationships and leaving otherwise wonderful people wondering why they can't make any of their friendships work. Rather than tiptoeing around the elephant in the room, let's be brutally honest about the conversation killers that anihilate people's social lives.
1) Bad manners: In one of my favorite scenes from Season 2 of The Walking Dead, a couple of sketchy guys are trying to convince Rick to take them back to his camp. After talking a bit, one of them goes over in the corner of the abandoned bar, urinates, and makes a comment about "C**ch." After being alerted by their bad manners that both men are trash, ridiculously boring nice guy Rick shoots both of them to death shortly thereafter. There is a lesson to be learned here. Don't be crude. Don't treat maids or waiters rudely. Don't make an ass of yourself. Because even if it's not aimed at them this time around, other people in your presence will assume it says something about your character and think, "Next time, that might be me."
Once again, you can read it here.
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Carrey credits his tenacity partially to his Canadian heritage and says he sees the same trait in many Australians.
''All the Australians I know are really cool people,'' the lanky 46-year-old says. ''They remind me a lot of Canadians -- they have the same kind of vibe, the fun-loving, cool vibe. ''Certainly a lot of amazing talent is coming out of there -- Jesus, it's incredible. I think it comes from a desire to do something extraordinary. I think you try harder when you come from a place like that, you try harder to be good.''
''I read him (Evan) The Grinch every night for a long time because he's autistic and kids who have autism, when they get something in their head, it's all they want,'' he says. ''So literally every night I would read The Grinch to him, and he didn't know the actual Grinch was reading The Grinch to him. ''He got to see pieces of the movie and it's funny because he'll come up and start saying the lines to me.'' ''We've introduced Evan to Horton Hears a Who! now,'' Carrey says. ''And we're getting him ready for the premiere. Every night he's like, 'Horton, Horton, Horton'. He's addicted to it.''
''Cause Doctor Seuss is f--king alternative to me -- for a kid, it's as punk as you get. It's really kid punk.'' ''When I did The Grinch, I'm like 'I'm the f--king grinch!' '' he says, his voice dropping to an awestruck whisper.
http://www.news.com.au/heraldsun/story/ ... public_rss


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Don't miss the next Made in Cabarete Bazaar on December 7, 2013 at Emerald Beach Cabarete! Spend the day with the Cabarete community, order a pizza, watch the sunset and top it off with a drink.
A special Caribbean Santa will be visiting and posing for unforgettable pictures! Also children can have fun decorating ornamental trees and coloring while mom and dad shop!
There'll be a schedule of events that really bring our community together and into the Holiday spirit!
AAron MAthews and Helen Dardelet, talented young singers from Cabarete, will be performing. More entertainment to be announced soon!
Please visit our Facebook page:https://www.facebook.com/MadeInCabareteBazaar?fref=ts to meet our vendors and have a preview of all the goodies you can find, many great and unique gifts for Christmas!!


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Regular price $ 500.00
Treat someone special to a gift they won't soon forget, with a Post Ranch gift certificate. Gift certificates can be used for hotel getaways, pampering spa treatments for those staying with us, exquisite dining at Sierra Mar, items at the Mercantile and more. Please allow up to four (4) days for processing.
At Check Out, be sure to include the following information:
- To: Recipient's Name
- From: Name of individual(s) sending the gift card
We can also include a personal note from you.
For custom dollar amounts, please call us directly at (831) 667-2795. We can expedite shipping upon request but please note that due to our rural location we cannot guarantee overnight delivery.


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Just Published!
- Author(s):
- Nina Khuchua
- Year:
- 2018
- Language:
- english
- Size:
- 16x24cm
- Pages:
- 242
- 9789089522009
- ISBN E-book:
- 9789089522016
- Edition:
- Paperback
- 828
About the book
Since the 1970s, the Black Sea has been suffering a severe pollution from excessive input of nutrients and chemicals. To improve the situation, the Convention on the Protection of the Black Sea Against Pollution (Bucharest Convention) was signed in 1992 and the Black Sea Commission (BSC) was established. Environmental protection by the Black Sea Commission: Organisation and performance in comparison with the Baltic Marine Environment Protection Commission (HELCOM) provides a comprehensive up-to-date analysis of the BSC's role as a regional actor in the environmental protection of the Black Sea, addressing the following main questions: What are the main (institutional and regulatory) challenges and obstacles for the effective functioning of the BSC and how can they be overcome? What is the current and future role of the BSC as a regional player for the protection of the Black Sea? What possibilities and potential does the BSC have to promote the harmonization of national legal frameworks in relevant areas? The research is based on a comparative analysis with Helsinki Commission (HELCOM) which has been a renowned environmental protection actor in the Baltic Sea region for more than 40 years.
About the author
Nina Khuchua is Environmental Policy Expert at InterSus – Sustainability Services (Berlin, Germany). She studied at University of Bremen, Forschungsstelle für Europäisches Umweltrecht.


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Dr. Jean Chesser and Dr. Debbie Brewer teach and comment on spirituality and religion. Along with Dr. Daryl Chesser and many others. cLife tv brings Truth to the forefront...more info at clifeministries.org
Watch cLife TV on your ROKU device, just add the "cLife TV" channel. PLUS, "cLife Ministries" iPhone/iPad and Android phone/tablet Apps available now in the App stores.


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see Talk:Pamphlet for discussion.
83C Wiese Street San Francisco, CA 94103
Noisebridge is a space for creation, collaboration, research, development, mentoring, teaching, sharing, and of course, learning. Noisebridge is also more than a physical space, it's a community with worldwide roots. Noisebridge is also an educational non-profit California corporation, soon to be tax-exempt.
What's The Big Idea?[edit]
We provide infrastructure and collaboration opportunities for people interested in programming, hardware hacking, physics, chemistry, mathematics, photography, security, robotics, all kinds of art, and, of course, technology. Through talks, workshops, and projects we encourage knowledge exchange, learning, and mentoring.
As a space for artistic collaboration and experimentation, we are open to all types of art with a special emphasis on the crossover of art and technology. From hardware labs to electronics, cooking, photography, and sound labs, anything that's creative is welcome.
Interesting things are always happening at Noisebridge. Sharing is essential to making this work. Starting from a base of respect and trust, we have built a safe community to foster innovation and creation. Our code of conduct is "Be excellent to each other".
Leadership is taken by individual members for specific projects. We call this "sudo leadership" (a reference to Linux and Unix -- implying the empowerment we give all people to do tasks that are normally only allowed by those with authority). In other words, if you want Noisebridge to do something, start doing it.
Who Is Financing It?[edit]
We self-finance through membership fees ($80 per member/month with $40 "starving hacker" rate), beverage sales, and fundraising parties, the way European hacker spaces do it. We also accept and encourage donations from the general public and businesses. Donations and sponsorships enable renovation and equipment purchase. Within the first 24 hours of renting our space, we raised over $10,000 for a cool location and for meaningful projects. Within our first month, we've become cash flow positive from membership dues alone. Further discussion is happening on our Finances wiki page.
Where Does The Inspiration Come From?[edit]
Noisebridge is inspired by similar famous European clubs such as Metalab of Vienna, CBase of Berlin, MAMA of Zagreb, and ASCII of Amsterdam. Many other clubs of a similar stripe can be found at Hacklabs and hackerspaces.org. Some members consider Noisebridge a San Francisco Chaostreff. Noisebridge as a hacker space and community shares a Dorkbot-like ethic, and indeed, many of the members of Noisebridge are long-time Dorkbotters.
How Can I Enjoy Making My Life Better?[edit]
There are many ways to make your life better with Noisebridge! Through community we can learn, share and teach, making our lives better, as well as the lives of those around us. There is almost always someone at Noisebridge socializing and/or working on projects -- please stop by our space and introduce yourself and people there about the projects they are working on. Everyone is welcome at our weekly Tuesday meetings. Feel free to join our emails lists to be informed of what is happening at Noisebridge. Please check out our website <Noisebridge.net> where you will find events and workshops over a large variety of topics that will intrigue and fascinate you. No matter what you know there is always more to learn. We also encourage you to share your knowledge of what you love by giving a workshop of your own at our space. If you like what you see and experience at Noisebridge, membership is open to everyone interested in what we do.