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Community development finance - Publications
Anchor Institution Strategies in the Southeast: Working with Hospitals and Universities to Support Inclusive Growth
Engaging universities and hospitals to address economic disparities—often referred to as anchor institution strategies—has been understudied in the Southeast. This paper examines efforts to launch anchor institution strategies in the Southeast by exploring the case studies of New Orleans, Atlanta, and Miami's efforts to establish anchor institution programs between 2016 and 2018.
posted 01/14/2020 by Atlanta
Building Entrepreneurship Ecosystems in Communities of Color
Entrepreneurship ecosystems leverage the resources of local communities to support entrepreneurs as they start and scale high-growth companies. This guide gives ecosystem builders an overview of key concepts and recommendations on how to develop high-growth entrepreneurship in communities of color.
posted 12/10/2019 by Kansas City
Bridges — Winter 2017-2018
Bridges is a quarterly review of regional community and economic development issues, projects, and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics, and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2017-2018 issue include: New St. Louis Fed Tool Dives Deep into Community Investment; Cash on Hand Is Critical for Avoiding Hardship; Connecting a Memphis Community to the Built Environment through Equity; Investment Connection: The St. Louis Fed's New Approach to CRA; CRA: An Examiner's Perspective – Questions to Ask Workforce Development Partners; and more.
posted 03/20/2018 by St. Louis
Resilient Legacy, Connected Future: CDFIs in the Southeast
This issue of Community Scope presents key findings from the 2017 Richmond Fed's Survey of CDFIs in the Southeast.
posted 03/06/2018 by Richmond
Community Practice Papers: Community Development Corporations- Diverse Practices Across North and South Carolina
In this issue of Community Practice Papers, we take a look at examples of sustained and emerging business models from rural and urban Community Development Corporations across North and South Carolina.
posted 03/05/2018 by
The Quest for Durable and Inclusive Economic Growth
Data show a persistent widening of income inequality in this country. How can communities establish economic growth that is both strong and inclusive? This article looks at a South Florida effort to improve prosperity for all and create a more resilient local economy.
posted 02/14/2018 by Atlanta
The Small Cities Study Tour: Cedar Rapids' Economic Recovery
How can a small city that suffers a natural disaster recover economically? This article explores the economic success and challenges of Cedar Rapids, Iowa, in the wake of a disastrous 2008 flood.
posted 02/05/2018 by Atlanta
Exploring Atlanta's Community Development Landscape with Governor Lael Brainard
As a proponent and facilitator of more equitable and inclusive communities, the Atlanta Fed's community and economic development (CED) program works to activate financial, human, and social capital to foster economic growth and opportunity in low- and moderate-income communities in the Southeast. This article recaps a November 3, 2016, community tour that Atlanta Fed employees from CED and supervision and regulation organized for Fed Governor Lael Brainard. It was one of several trips she has made around the country to speak with community members and organizations about local challenges and community development efforts.
posted 02/05/2018 by Atlanta
Data Tools for Dynamic Communities
Infographics and data visualization tools are increasingly available from many sources, such as an interactive map accompanying a news article or a graph of expenditures analyzing an online credit card statement. These types of tools enrich our understanding of concepts and trends. This article examines two tools that aim to capture the real variation between housing and transportation costs between and within regions, and therefore the relative affordability for households of varying income levels.
posted 02/05/2018 by Atlanta
CDFIs Seek Federal Home Loan Bank Membership
Since their creation in the 1990s, community development financial institutions (CDFIs) have worked to aggregate capital to help economically distressed communities across the United States. Because CDFIs have a mission to serve distressed or low-income communities, they are a natural partner for banks and other investors. Even so, long-term, affordable financing is one of the most pressing and persistent challenges facing the CDFI industry.This article discusses the current state of CDFI-Federal Home Loan Bank (FHLBank) membership. It focuses on several new FHLBank members in the Atlanta region, providing lessons that could be useful to others considering FHLBank membership.
posted 02/02/2018 by Atlanta
Partners Update
This article explores the Small City Economic Dynamism Index, an interactive data tool that examines the economic trajectory of small and midsized cities. As the article explains, the tool's interactive charts enable peer comparisons and visualization of trends across time. The information can be used to support development of local policy, strategies, or funding proposals related to community and economic development in small and midsized cities.
posted 02/02/2018 by Atlanta
Can Community Development Improve Health? Emerging Opportunities for Collaboration between the Health and Community Development Sectors
The two sectors of community development and health have long worked in the same neighborhoods, but they have not always worked together. This is starting to change, due in part to a growing recognition among health experts of the social determinants of health—the social, economic, and environmental factors that drive health outcomes. This discussion paper reviews early lessons on how to build a successful health and community development partnership, including an examination of the incentives for community developers, health professionals, state and local governments, and philanthropy to participate in these collaborations.
posted 12/21/2017 by Atlanta
Coming Up with the Money: Five Principles for Launching a Successful Community Development Initiative
This guide, designed especially for those new to the field of community development, also serves as a refresher and resource for those who don't engage in financing projects regularly or those who would like to consider new partners and new tools for upcoming projects.
posted 09/14/2017 by St. Louis
What Matters: Investing in Results to Build Strong, Vibrant Communities
What does it take to measure and fund positive social change? This new book from the San Francisco Fed and Nonprofit Finance Fund sets a vision for revolutionizing the way America achieves social progress: By paying for results. The book features a collection of essays by 80 authors with wide expertise on the social, cultural, and financial implications of orienting programs and funding around outcomes.
posted 06/30/2017 by San Francisco
Scale Finance: Industrial-Strength Social Impact Bonds for Mainstream Investors
Social Impact Bonds have demonstrated significant growth potential within their defined boundaries, but the standard model has not yet developed "mainstream" investment transactions capable of expanding certified evidence-based programs (CEBPs) commensurate with unmet population needs. This San Francisco Fed paper proposes an enhanced SIB model called "Scale Finance" in which asset owners and fund managers would work with CEBP developers to expand these proprietary programs at their maximum feasible growth rates.
posted 06/30/2017 by San Francisco
Nonprofit Co-location and Opportunities for Community Development Financial Institutions
This white paper produced by the St. Louis Fed focuses on the benefits of nonprofit co-location, the unique position of CDFIs to partner with these facilities, and how co-location is happening in the U.S. The research was presented at the Bank's Social Purpose Real Estate Regional Conference; materials and videos from the event are available here.
posted 05/18/2017 by St. Louis
Communities & Banking magazine, spring 2017
Read about C&B's transformation this fall into our new online magazine, Invested. Our spring 2017 feature article shares valuable lessons from the Boston Fed's Working Cities Challenge, an ongoing initiative to help smaller industrial cities in New England tackle social and economic problems. Also in this issue, we learn about the perils and abuses of land installment contracts, the value of community benefits agreements, and how entrepreneurship breeds opportunity in minority communities. Other articles highlight the importance of anchor institutions to local businesses, how "gamified" financial education seems to reinforce smart savings decisions, and we see evidence that pay-for-success approaches to preventing formerly incarcerated youth from reoffending can turn young lives around. Finally, we examine recent changes in the prospects for renters in New England.
posted 04/20/2017 by Boston
Investing in America's Workforce: Improving Outcomes for Workers and Employers
Investing in America's Workforce seeks to strengthen our nation's economic potential through reframing and reimagining workforce development efforts, taking a broader view of them as investments, rather than as a limiting view centered on the delivery of social services. This initiative will connect businesses, government, nonprofit, and philanthropic partners to rethink policy and investments, attract new resources, and improve economic mobility for workers.
posted 04/11/2017 by Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas, San Francisco
CultureBank: A New Paradigm for Community Investment
Building on the concept of creative placemaking, this paper from the San Francisco Fed presents an idea for a Community Development Financial Institution organized around art: CultureBank. Housed at Yerba Buena Center for the Arts, this nonprofit bank will specialize in unleashing asset value in art collections and focus on artists as borrowers, or Artist-Entrepreneurs.
posted 04/06/2017 by San Francisco
Watermen Workforce Challenges and Opportunities: Lessons from the Chesapeake Bay Region
The third issue of Community Scope 2016 will offer a broad overview of the challenges faced by today's watermen that may be precipitating their declining numbers and will discuss alternative and supplemental employment options that may be available to them.
posted 03/31/2017 by Richmond
The Geographic Scope of CDFI Activity in the Southeast
The second issue of Community Scope 2016 examines the patterns in geographic service provision by respondent CDFIs in urban, rural, low- and moderate-income (LMI), underserved and distressed markets and areas.
posted 03/31/2017 by Richmond
Community Development Financial Institutions in the Southeast: Surveying the Social Investment Landscape
Volume 4, Issue 1 2016 of Community Scope uses the results of the 2015 survey to present timely key findings on CDFI activity in the Southeast, including capitalization, demand, capacity, non-lending programs and services, and impact investing.
posted 03/31/2017 by Richmond
Bridges — Winter 2016-2017
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2016-2017 issue include: Indianola Promise Community: Improving Academic Outcomes in the Delta; Working Together to Address the Wealth Gap; Community and Economic Development: Around the Globe and Back to the Mississippi Delta Region; 12 Steps to Financial Success: Empowering At-Risk Adults; Memorial Community Development Corporation: Putting Faith to Work; and more.
posted 03/22/2017 by St. Louis
Communities & Banking Magazine, Fall 2016
The fall 2016 issue leads off with the necessity of teachers of color in public school systems and also reports on local educators' reactions to Common Core implementation. Other topics include the high prevalence of young adults receiving Social Security Disability benefits in northern New England, an overview of the region's addiction epidemic, a look at unemployment and the popularity of lotteries in Maine, and the relationship between homelessness and subsidized housing. More articles cover the Capital & Collaboration initiative's examination of community investment in Massachusetts Working Cities, how mobile payments help streamline commuting, a collaboration between Starbucks and a nonprofit group of CDFIs to create jobs, and data on childhood food insecurity in New England.
posted 10/25/2016 by Boston
Bridges — Summer 2016
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Summer 2016 issue include: All Low- and Moderate-Income Areas Are Not Created Equal; Moving First-Time Buyers Off the Fence: Solving the Millennial Homebuyer Puzzle with Proven Online Solutions and Partnerships; Innovative Partnership Brings Hope to Small Towns; Entrepreneurship and Economic Development Fueled by Students and Faculty; Impacting Homelessness in Missouri; and more.
posted 09/22/2016 by St. Louis
Bridges — Spring 2016
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Spring 2016 issue include: Arkansas Communities Focus on Action, Reap Results; What Happens When the Least of These Gives the Most?; From Restaurant to Kitchen Incubator: Chef Space; Bioscience as a Foundation for Transforming St. Louis; The Information You Need for the Impact You Want: Two New Websites Link Data with Donor Action; and more.
posted 06/22/2016 by St. Louis
Understanding the Crowd, Following the Community: The Need for Better Data in Community Development Crowdfunding
In the past half-decade crowdfunding has emerged as a popular way to raise money online for a wide range of projects. As the reach of crowdfunding has expanded, the field of community development has the potential to benefit from the practice, both as a straight fundraising mechanism and as a way to give greater voice to community members. This San Francisco Fed working paper makes the case that in order for community development crowdfunding to reach its potential scale, and to involve the full range of potential stakeholders, better standards of data reporting and collection need to be established.
posted 06/01/2016 by San Francisco
Impact Investing in the U.S. and the Fifth District
The net assets of investment funds pursuing an impact investment strategy have grown from $12 billion in 1995 to $4.3 trillion in 2014 – that's growth by a multitude of nearly 360 in less than 20 years. This 5th District Spotlight presents context to impact investing's meteoric rise through facts, figures and analysis.
posted 05/24/2016 by Richmond
Bridges — Winter 2015-2016
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2015-2016 issue include: Thrivers and Strugglers: A Growing Economic Divide; Neighborhood "House Economy" Teaches Youth Life Lessons; Grassroots Neighborhood Revitalization in Hyde Park; Collaboration: The Key to Champion Community Investments' Success; How Housing and Health Care Nonprofits Can Increase Access to Medical Residential Services; Jacobsville Join In!; and more.
posted 03/09/2016 by St. Louis
Small Business Credit Survey
Small businesses' access to credit is critical to their ability to establish, run and grow their operations. In late 2015 the Federal Reserve Banks of Atlanta, Boston, Cleveland, New York, Philadelphia, Richmond and St. Louis conducted a joint survey of small businesses; 5,420 responses from 3,459 employer firms in 26 states provide insight into the primary source of financing for small businesses and shed light on their business conditions, credit needs and borrowing experiences.
posted 03/04/2016 by Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, St. Louis
CDFIs Seek Federal Home Loan Bank Membership
Long-term, affordable financing is one of the most pressing and persistent challenges facing the community development financial institution (CDFI) industry. Regulatory and business cycle pressures have tended to limit the borrowing terms available to CDFIs. This January/February 2016 Partners Update article explores the current state of CDFI-Federal Home Loan Bank (FHLBank) membership by focusing on several new FHLBank members in the Atlanta region
posted 02/25/2016 by Atlanta
The Small Cities Study Tour: Chattanooga's Comeback
How have some small cities forged a path to economic resurgence while others still languish? Representatives from several Federal Reserve Banks and place-based funders are on tour to find out. In this first article in a Partners Update series, they study a revitalized Chattanooga.
posted 02/05/2016 by Atlanta
IFF: A Leading Community Development Financial Institution Expanding Its Market Reach across the Midwest
In this 2015 edition of ProfitWise, the Chicago Fed profiles IFF--formerly Illinois Facilities Fund-- one of the largest and most innovative Community Development Financial Insitutions (CDFIs) nationwide. In its 27th year of operation, IFF is expanding its financial and development services, and its impact on low- to moderate-income communities, to a broad collection of Midwestern states.
posted 01/06/2016 by Chicago
CRA OneSource
CRA OneSource is your source for Community Reinvestment Act tools, templates, guides, webinars and other resources to assist you in preparing for an exam and growing your community development program.
posted 12/03/2015 by Kansas City
Community Reinvestment Act: How Much Is It Worth in the Southeast?
Community development practitioners want to know how much banks are investing in a particular geography, as that information could help them "right-size" their strategy for bank partnerships. This second Partners Update article on the CRA, released in September/October 2015 by the Atlanta Fed's Will Lambe, provides an approximate figure for the Southeast.
posted 11/20/2015 by Atlanta
CDFIs seek to innovate to compete with speedy online lenders
With more and more entrepreneurs turning to quick, online lending options, could mission-focused lenders, such as CDFIs, use similar technology tools to improve efficiency and capture some of this business activity? From the October 2015 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 11/19/2015 by Minneapolis
Community Development Data Inventory
Published by the Philadelphia Fed, the Community Development Data Inventory describes timely and publicly available data sources to help inform the work of those involved in community development research or practice. This November 2015 release contains updated information and an expanded number in the inventory, from 16 resources to 24. The resources are described in easy-to-read, two-page summaries organized by topic, including Economy/Employment, Household Financial Stability, Housing/Homelessness, and Data/Mapping Platforms.
posted 11/10/2015 by Philadelphia
Bridges — Summer 2015
Bridges, a quarterly review of regional community and economic development issues, projects, and regulatory changes, is for practitioners from community-based organizations, CRA officers, academics, and government officials working in the Eighth Federal Reserve District. Feature articles in the Summer 2015 issue include: Innovative Credit Union Association Expands Access to Capital; Better Homes, Better Loans: Better Business; Binghampton Development Corporation: Building Assets and Communities; The Hager Educational Foundation: Empowering Citizens To Make Better Communities; and more.
posted 11/06/2015 by St. Louis
Community Banking in the 21st Century
Missed the live webcast? Presentation slides and videos are now available from "Community Banking in the 21st Century," the third annual community banking research and policy conference, hosted by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS). Also available from the conference is a report that details conditions facing today's community bankers. Speakers and moderators of the event, held in St. Louis Sept. 30 - Oct. 1, 2015, included: Fed Chair Janet Yellen; Fed Governor Lael Brainard; St. Louis Fed President James Bullard; CSBS Chairman/Massachusetts Commissioner of Banks David Cotney; CSBS President and CEO John Ryan; and Houston Astros President of Business Operations Reid Ryan, founding investor and board member, R Bank and R Corp Financial, Round Rock, Texas.
posted 10/30/2015 by Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas, San Francisco, Board of Governors
Weathering the Great Recession: A CDFI Case Study in Patient Capital
This working paper from the San Francisco Fed looks at the lending performance of one CDFI, the Low Income Investment Fund (LIIF), through the Great Recession. Its authors argue that LIIF's success weathering the downturn—relative to similarly-sized banks—is the direct result of a "patient capital" approach to portfolio management unique to the CDFI industry.
posted 10/05/2015 by San Francisco
CRA: Geographies and Strategies in the Southeast
The Community Reinvestment Act helps drive significant investments into low- and middle-income communities, but not all communities benefit equally. This July/August 2015 Partners Update article by the Atlanta Fed's Will Lambe and Jessica Farr discusses where banks are motivated to act and provides a mapping tool to illustrate where particular banks engage in community development.
posted 08/27/2015 by Atlanta
Leveraging the Power of Place: Using Pay for Success to Support Housing Mobility
Families who use housing vouchers to move from areas of concentrated poverty to better-resourced neighborhoods experience higher earnings and improved health. Housing mobility programs increase the effectiveness of housing vouchers by providing education and support. This San Francisco Fed working paper proposes using a Pay for Success financing mechanism to increase investment in housing mobility programs based on the hypothesis that healthcare savings stemming from a positive mobility outcome—specifically related to diabetes and obesity— are sufficient to pay the entire cost of the mobility program.
posted 08/10/2015 by San Francisco
Economic Dynamism in Small Cities (Part 2): Migration, Commuting, New Firm Creation, and Population Density in Small Cities
The factors that contribute to economic dynamism in a small city can be elusive to define and measure. This May/June 2015 Partners Update article by the Atlanta Fed's Will Lambe looks at some elements of small city economic dynamism that may contribute to growth and development.
posted 06/25/2015 by Atlanta
St. Louis Fed 2014 Community Development Outlook Survey
The St. Louis Fed's annual Community Development Outlook Survey gathers input from a variety of stakeholders regarding the economic conditions of low- and moderate-income (LMI) households and communities in the seven states that make up the Fed's Eighth District. Data from the survey is used to inform strategic planning, community and economic development, and public policy dialogue around issues and challenges for the District's LMI areas.
posted 05/21/2015 by St. Louis
Economic Dynamism in Small Cities
Many small cities are growing at faster rates than has occurred in decades. This March/April 2015 Partners Update article by the Atlanta Fed's Will Lambe examines factors that contribute to economically vital small cities.
posted 05/04/2015 by Atlanta
The Role of Place-Based Initiatives in Community Development
As the name says, these initiatives are designed to concentrate investments in a specific location, and some couple infrastructure and human capital investments. This Partners Update article by the Atlanta Fed's Will Lambe summarizes place-based initiatives, describes challenges for communities incorporating such a strategy, and discusses best practices.
posted 03/31/2015 by Atlanta
Community Development Financial Institutions: Providing Capital for Revitalization
As the country continues to rebound from the recession, community development financial institutions (CDFIs) are working to meet the needs of communities that slipped through the cracks during this turbulent period or that had few safety nets even before the recession. This March/April 2015 Partners Update article, authored by Atlanta Fed visiting scholar Donna Gambrell, discusses CDFIs doing business in the Southeast. These lenders provide capital for affordable housing, small businesses, schools, health centers, and manufacturing facilities.
posted 03/31/2015 by Atlanta
Growth and Performance of the Native CDFI Loan Fund Sector, 2001–2012
This new Community Development Report from the Minneapolis Fed suggests that loan funds serving Native communities grew significantly in number and asset size from 2001 through 2012 and have generally posted fairly positive financial ratios.
posted 02/09/2015 by Minneapolis
Blog Further Explores the EB-5 Immigrant Investor Program
The EB-5 program was designed to attract foreign investment into economically distressed communities, but is it achieving that goal? A second blog post by the Atlanta Fed's Will Lambe discusses some southeastern projects and raises several issues for community and economic developers to consider.
posted 01/20/2015 by Atlanta
Mortgage Lending in New England: Key Trends and Observations in 2012
Analyzing Home Mortgage Disclosure Act (HMDA) data, researchers at the Boston Fed provide a brief overview of New England's mortgage lending activity in 2012 and evidence of disparities in loan origination outcomes for borrowers of various incomes, races, and ethnicities in this Community Development Issue Brief from November 2014.
posted 11/13/2014 by Boston
What Makes Working Cities Work? Key Factors in Urban Economic Growth
In this Community Development Issue Brief, a researcher at the Boston Fed examines the factors that influence firm location choice in US cities--including availability of local labor, building lease costs, on-site parking for employees, and others--along with which of these might best explain the variance in employment trends across a set of small and mid-sized post-industrial Massachusetts cities. The results provide some indication of the extent to which these cities, and others like them, might influence their own economic futures.
posted 11/13/2014 by Boston
Blog Explores the EB-5 Immigrant Investor Program
Community and economic developers are always looking for new ways to help revitalize economically distressed communities. In a blog post, the Atlanta Fed's Will Lambe looks at one rather novel program that could help: the Immigrant Investor Program, or EB 5.
posted 11/12/2014 by Atlanta
Cascade (Summer 2014)
This edition of the Philadelphia Fed's Cascade provides highlights from the 2014 Reinventing Older Communities: Bridging Growth & Opportunity conference. The major themes of intergenerational mobility and equitable growth and subthemes of education, employment, and revitalization appear throughout the issue. Articles focus on measuring intergenerational mobility and economic growth in the Third Federal Reserve District; reversing the cycle of poverty through education and mentoring, as well as workforce development; exploring the future of community development corporations (CDC) and measuring CDC impact; and more.
posted 08/07/2014 by Philadelphia
5th District Footprint: NMTC Investment in the Fifth District
How are New Markets Tax Credits (NMTCs) being used in your area? Which city received the largest amount of NMTC investment? Find out in the July 2014 issue of 5th District Footprint, which offers a brief look at NMTC investment across the Fifth Federal Reserve District.
posted 07/28/2014 by Richmond
Federal Reserve Community Development Perspectives
Ever wonder about the Federal Reserve's involvement in the field of community development? Wonder no more. Released in June 2014, Federal Reserve Community Development Perspectives: A summary of activities, insights, and future opportunities answers the "what," "why" and "how" of the Fed's role in community development. The report highlights the Fed's recent efforts to address barriers to economic growth, and promote fair and informed access to financial markets. Featuring brief summaries of its community development work organized into four focus areas--people, place, the policy and practice of community development, and small business--the report includes background information that helps to provide context for this work, a sampling of key research, outreach programs and other initiatives, as well as some ideas on future challenges, needs and opportunities.
posted 07/23/2014 by Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas, San Francisco, Board of Governors
Does the CDFI Fund Help Low-Income Borrowers?
What is the impact of the CDFI Fund on institutions that receive funding, and what is the return on investment? In this Economic Commentary, Cleveland Fed economist Kristle Cortés and Harvard Business School professor Josh Lerner evaluate the Fund's core program. Examining 10 years of propriety data provided by the US Treasury, they measured the increase in lending at credit unions that received grants, those that applied but did not receive grants, and those that never applied. Their results show that CDFI Fund grants do increase lending, by 3 percent. And for every dollar awarded, 45 cents is loaned out to borrowers in the first year and up to $1.60 is loaned out within three years.
posted 07/15/2014 by Cleveland
Bridges — Spring 2014
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Spring 2014 issue include: Local Innovation, National Impact: Engaging Municipal Government in Financial Empowerment; Enrollment, Student Debt and LMI Communities; We've Met the Solution, and It Is Us; West Tennessee Day Trippin': Rural Tourism Campaign Builds Regional Partnerships for Community and Economic Development; From the Ozarks to the Delta: A Historical Perspective of Regional Poverty in Arkansas; and more.
posted 07/01/2014 by St. Louis
Minnesota CDFI Network Concept Paper
This May 2013 paper by the Minneapolis Fed and partners is a discussion of the context and potential benefits of forming a statewide CDFI network in Minnesota. Featuring comments from Minnesota CDFI practitioners, recommendations for next steps, and information about established national and state-level CDFI networks.
posted 05/27/2014 by Minneapolis
Community Investments: An Integrated Approach to Community Development
This special issue of Community Investments from the San Francisco Fed highlights excerpts from Investing in What Works for America's Communities: Essays on People, Place & Purpose, with a particular focus on the topic of integration, a prominent theme that emerges from the book.
posted 05/23/2014 by San Francisco
CDFIs and Transit-Oriented Development
Transit-oriented development (TOD) can provide households with more opportunities and choices. Ideal TOD communities are mixed-use neighborhoods with good-quality public transit that connect people of a variety of incomes to a wide range of economic, social, and educational opportunities. This report published by the San Francisco Fed explores how Community Development Financial Institutions (CDFIs) can be utilized to provide financing for TOD projects.
posted 05/20/2014 by San Francisco
CRA Collaboratives and the San Joaquin Valley
California's San Joaquin Valley is one of the nation's most impoverished areas. Recent developments such as the foreclosure crisis have heightened the Valley's needs, and there is also evidence that the Valley is beginning to garner more attention from financial institutions and federal regulators, creating an opportunity for community-based organizations (CBOs) and financial institutions to work together in a mutually beneficial way. This paper from the San Francisco Fed describes how stakeholders have successfully collaborated to increase reinvestment in other locales, with lessons learned for the San Joaquin Valley.
posted 05/15/2014 by San Francisco
Community Investments - Community Development in Native Communities
This issue of the San Francisco Fed's Community Investments, explores a selection of Native initiatives across the country. It discusses how Native communities are partnering with federal agencies to build and support sustainable housing in Indian Country and establish modern water and sewer systems for remote Native communities in Alaska. The articles also examine a community-based health worker initiative in the Navajo Nation and a Native Hawaiian financial education program and community-based lending institution.
posted 05/15/2014 by San Francisco
The New Family Philanthropy: Investing for Social and Environmental Change
The impact investing marketplace is gaining traction—investment vehicles now span asset classes, infrastructural improvements are enhancing transparency and investor confidence, and social enterprise is maturing with a new generation of entrepreneurs. This paper published by the San Francisco Fed focuses on family investing through family offices and foundations and the factors that families and advisors consider when deciding whether or not to invest for impact.
posted 05/15/2014 by San Francisco
Community Investments - Collective Action for Community Development
This issue of the San Francisco Fed's Community Investments explores the emerging approach of collaborative community development and lifts up early learnings from pioneers in the field. The articles discuss how to establish and grow collective action leadership organizations and working groups and build a strong but flexible initiative framework; consider how government can be an effective partner in collective action work; and convey the critical role of data and measurement in these initiatives.
posted 05/14/2014 by San Francisco
Community Development Investment Review: The Green Issue
In this issue of CDIR, the San Francisco Fed highlights a number of deliberate, innovative and interdisciplinary efforts addressing community development and environmental issues. These efforts are diverse, both in the issues they touch and the range of approaches and partnerships they employ. Issues addressed include air quality, climate change and water access on the environmental side, and education, health, and affordable housing on the community development side.
posted 05/08/2014 by San Francisco
Community Development Investment Review: Pay for Success Financing
This issue of the San Francisco Fed's CDIR focuses on Pay for Success financing, its origins, models, potential implications, exciting potential and possible pitfalls. Pay for Success is a tantalizing idea, but it also raises important questions.
posted 05/08/2014 by San Francisco
Community Development Investment Review: Advancing Social Impact Investments through Measurement
This issue of the San Francisco Fed's CDIR includes the proceedings of the "Advancing Social Impact Investments through Measurement" conference held at the Federal Reserve Board of Governors in 2011. The issue also includes a series of thoughtful essays written by conference attendees in response to what they heard at the convening.
posted 05/08/2014 by San Francisco
Community Development Investment Review: International Community Development
This issue of the San Francisco Fed's CDIR is dedicated to a simple idea: innovative ideas to solve poverty should not stop at the national border. There are too many good ideas abroad that can help inform our practices domestically, and good ideas here that can be relevant to other countries.
posted 05/08/2014 by San Francisco
Community Development Investment Review: Building Scale in Community Impact Investing through Nonfinancial Performance Measurement
In the community development finance and impact investing worlds, there is both universal agreement on the need for better social outcome measurements and no consensus on how to do it. In this issue of CDIR, the San Francisco Fed offers ideas on how we might contribute to an ongoing process to establish a tool—or many tools—that help us measure the social benefit of impact and community investing.
posted 05/08/2014 by San Francisco
Community Development Investment Review: Health and Community Development
In this issue of the CDIR, the San Francisco Fed explores the intersection of community development and health. Specifically, authors offer varying perspectives on how to "bend the health cost curve" using innovative community development strategies and how to positively affect social determinants of health to generate better health outcomes for low-income people.
posted 05/08/2014 by San Francisco
CDFIs Emerge as Key Partners in Improving Community Health
Community development financial institutions often play a critical role in financing the infrastructure that makes good health possible. From the April 2014 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 05/06/2014 by Minneapolis
Mass CDFI Recertification Push Winnows List, Ensures Compliance
A 2013 mandate from the U.S. Treasury resulted in a reduced but focused pool of community development financial institutions. From the April 2014 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 05/05/2014 by Minneapolis
Community Connections (April 2014)
The Spring 2014 issue highlights the State Small Business Credit Initiative that is helping fund small businesses across the Tenth District by leveraging private lending. The issue also spotlights an Albuquerque collaboration assisting underserved families and children, and the use of crowd funding as a tool for social entrepreneurship. In addition, the issue features a Q&A with Mark Pinsky, president and CEO of Opportunity Finance Network, on the challenges facing CDFIs in the wake of the Great Recession.
posted 05/01/2014 by Kansas City
Is Home Maintenance Contagious? Evidence from Boston
In disadvantaged neighborhoods, the condition of the housing stock can vary from block to block. On one block, homes appear well kept and in good condition, while on another, many homes show signs of physical distress. Since the blocks within the same neighborhood are often similar in terms of home values, what accounts for this pattern? And is there any contagion effect of home maintenance? Researchers at the Boston Fed examine this issue in several Boston neighborhoods in this report.
posted 04/30/2014 by Boston
Community Development Bank Peer Group Analysis, 2005-2012 Data Report
The Federal Reserve Bank of Richmond's Community Development Bank (CDB) Peer Group Analysis provides descriptive statistics on a peer group of community development banks that are tracked over time. The peer group of CDBs consists of banks that were in existence from the start date of the analysis and continue to be in existence as of the end date. The latest report incorporates data from 2005 to 2012.
posted 04/25/2014 by Richmond
CDFI Resources
Community Development Financial Institutions (CDFIs) are specialized financial institutions operating in markets that are underserved by traditional financial institutions. This section of the Federal Reserve Bank of Richmond's website provides information on CDFIs, with a particular focus on the Southeast region of the U.S. In addition, it includes a dedicated section on CDFI banks, also known as Community Development Banks (CDBs). Resources include webinars, data tables, reports, regulations, etc.
posted 04/25/2014 by Richmond
Funder's Guide: A Guide to Funding Small Business Development Organizations
The Kansas City Fed's Funder's Guide offers philanthropists, funding agencies and small business development organizations information and guidance on how to support economic growth through supporting organizations that develop small businesses.
posted 04/25/2014 by Kansas City
Bridges — Winter 2013-2014
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials. Feature articles in the Winter 2013-14 issue include: Family Scholar House: Educational Program Breaks Cycle of Poverty for Single Parents in Louisville; Health Around the Corner; Insight Park: Visioning for the Future of Oxford and Ole Miss; Anchor Institutions in the Mississippi Delta; Charter School Anchors St. Louis Neighborhood Revitalization; and more.
posted 04/21/2014 by St. Louis
Bridges — Fall 2013
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials. Feature articles in the Fall 2013 issue include: Increasing Density: A Small-Town Approach to New Urbanism; Women Helping Women: Healing Hearts Bank at Redevelopment Opportunities for Women; The Graying of America: Preparing for What Comes Next and more.
posted 03/18/2014 by St. Louis
Social Impact Bonds Offer Promise of Savings, Profits and Positive Outcomes
A performance-based social investment tool being piloted in some communities offers a new model for delivering social services. From the July 2013 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 02/21/2014 by Minneapolis
Community Outlook Survey
The Federal Reserve Bank of Philadelphia's Community Outlook Survey monitors the economic factors affecting low- and moderate-income (LMI) households in the Third Federal Reserve District. A report summarizing the most recent survey as well as an archive of prior surveys are available on our website.
posted 02/19/2014 by Philadelphia
Communities & Banking magazine, Spring 2013
This Spring 2013 issue of the quarterly publication by the Boston Fed features research and best practices for CBOs, policymakers, financial institutions. and others; articles include Latino Dairy Workers in Vermont; Access to Affordable Food in New Hampshire; Beginning Farmers and Local Food Systems; Closing the Academic Divide through Debate; Giving a Decommissioned Military Base New Life; The Urban Forest; Great Recession and Confidence in Homeownership.
posted 02/17/2014 by Boston
Investing in What Works for America's Communities
A compilation of essays published by the San Francisco Fed and the Low Income Investment Fund highlights entrepreneurial solutions for addressing poverty. Authors include leading experts from across the U.S. in community and economic development, academia, government policy, health, and philanthropy.
posted 12/31/2013 by San Francisco
Cascade (Fall 2013)
This issue of the Philadelphia Fed's Cascade spotlights the Community Development Financial Institution (CDFI) industry and the products and programs implemented by CDFIs and their funding sources. Also featured is Mark Pinsky, Opportunity Finance Network president and CEO, who provides perspective on the CDFI recertification process.
posted 12/31/2013 by Philadelphia
Communities & Banking (Winter 2014)
This quarterly publication from the Boston Fed is geared for lenders and community development practitioners and focuses on the economic concerns of low- and moderate-income constituencies and those who serve them. The feature article in this issue is on the topic of universal preschool.
posted 12/31/2013 by Boston


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Use the following contact options based on the type of question you have – To Report Problems with Seller Listings: To report problems with seller listings on Cars and Things use the contact details (phone and email) link which is displayed the cars .

subset: commoncrawl


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gchamberlinLevel 2
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About gchamberlin
Need recommendation for scanner - WiFi a must!
gchamberlin replied to EdH's topic in Evernote General DiscussionsI use an Epson Workforce WF3640 AIO to do exactly what you are wanting to do. Device sits on its own, not cabled to anything. You can set it up for a variety of "Cloud" destinations - I have it set to send to scans to Evernote or Google Drive. No PC necessary. Drop the document in the feeder, mash a couple of buttons and off it goes to the cloud server. Can send image as PDF or JPG, B/W or Color, Letter or Legal, One sided or Two sided. Cost is around $100 plus or minus - available at Office Depot, Amazon, etc. Also works well as a Google Cloud Printer. If you want to save a few bucks, get the WF3620. Only difference is that one has just one paper drawer.
Part of Handwdritten Notes Missaing
gchamberlin replied to dazegoneby's topic in General Discussion ArchiveI am having a similar problem. I wrote up a note using the handwriting input this morning on my Android tablet. I saved the note when done and told Evernote to sync. I went to the web client and the note was not there. Other edits and changes to notes I made and saved at the same time and would have been included in the same sync did show up on the web client. The handwritten note still shows up in Evernote on the tablet, so its still there and is saved - I have closed out the Evernote app several times. So the sync did sync - at least for some of the changes I made, but did not sync the handwritten note. Any ideas?
Changing Account from Premium to Plus?
gchamberlin replied to chronistin's topic in General Discussion ArchiveIt would be nice if Evernote would give the user a heads up that the subscription renewal is coming up - maybe a week ahead of time, especially with the changes in the subscription levels and the fact that changes can't be made after the fact without difficulty.
Emailing to your account is no longer free?
gchamberlin replied to mshparber's topic in General Discussion ArchiveAnd don't forget BACON! That's like blaming gravity for a sagging gut. That's what I do. Gravity and delicious, fattening, Brazilian food. On yeah, then there's beer. Did i mention age? LOL It's all someone else's fault.
paperless Going paperless in college - anyone?
gchamberlin replied to fflav's topic in Going PaperlessThese seem like awfully large files, even for text books. Do you know how they were created? If they were scanned, they may have been scanned at overly high resolutions (300 dpi is more than enough) and may have been scanned as color even though the document is B/W. If you have access to a copy of Adobe Acrobat, you could try using it to optimize the scanned file. You could also run it through the compression utility at smallpdf.com I just ran a 1400 page engineering report that was about 70 MB in size and it compressed it (basically reducing the resolution) to about 30 MB. And still very readable.
Doxie Go wifi setup with Evernote?
gchamberlin replied to Gl3n's topic in General Discussion ArchiveI had contacted Doxie about this very subject back in November. Their response was: "Unfortunately the scans aren't sent directly from the scanner to the cloud service – they still go through the companion software first." Greg
Printing problem - no content
gchamberlin replied to Lkellogg's topic in Web ClientI use the web version of Evernote in the Chrome browser - not the beta of the web version. I print by right clicking on the note snippet in the middle column and select Print... This brings up the Google Chrome Print screen, showing a preview of the printed page(s). You are correct that if you try to print from the view of the note - either the view in the right column or the view in a separate window, you get a blank page - at least in the print preview screen.
Why Use the Web Version
gchamberlin replied to dbvirago's question in Evernote Web Client RequestsI work at several different locations on employer's machines and use the web version since I can't (and don't want to) install my Evernote data on those machines. I also use a Chromebook and Chromebox and my main personal computers and use the web version through them.
I'll second the choice of the Epson Workforce scanner family. I got the WF-3640 and use it to scan directly to Evernote or Google Drive. (In scan to Google Drive if I need to do some sort of manipulation or editing of the document or image). This scanner really makes it simple and easy to scan stuff - don't have to fire up the computer, don't have to load up Adobe or other software, Just drop the paper into the doc feeder, mash a couple of buttons and off it goes. Can probably pick up one of these for $120 or so.
gchamberlin replied to Bujanda's topic in Evernote General DiscussionsHey Scott, I think I might know what he is talking about. I have been doing receipts in Evernote now for 3 years, and i am still not satisfied on the best way I should use it. The biggest thing Evernote does is it SAVES IT -- you can throw the paper way -- you now always have the receipt and that benifit is HUGE. But does Evernote save me any time getting my expensese together? For Receipts, Not really. Once you take the picture, you have to name it, tag it correctly (or it will just be lost in the mess) but then you have to, at some later date enter the amount in a spreadsheet or accounting program. Wouldn't it be GREAT if there was an app that lets you take a pic of a receipt, you can text in the amount, have the app grab the date and time (as a default -- which you can change if you are taking the picture much later than the expense) put that date and time and amount in a spreadsheet then send that info to Evernote AND a spreadsheet which you can later upload into an accounting software. As it is now you still have to manually type in all these numbers in later Bujanda, Nope . . . . there is really not an easier way of doing this. When I first started keeping receipts in evernote I scanned EVERY receipt . . well that didn't last long at all. It just isn't worth it for me. Now I just scan major purchases, and or when I am on Trips I will scan everything -- Gas, toll roads, even Coffee -- just sort of want to know what I'm spending on trips. My every day at home receipts . . .its just not worth the time to scan them IMOP, I put everything on credit cards and the numbers are there on the monthly bill -- which I DO scan into Evernote and can search and find it on the credit card bill Major Purches, yes, Job related refundable expenses, yes, All the rest? not worth the time So how do it? TAKE THE TIME TO NAME AND TAG YOUR RECEIPT CORRECTLY -- it will save you a lot of time later ================= Tagging Receipts ================= Every Receipt I take a picture of gets AT LEAST these tags "Receipt" "Jul" (or whatever month it is I keep my month tags 3 characters) "2014" (or whatever year) Lets say I get lazy, or busy (because I am on Evernote forum broads writing posts when I should be doing my accounting) and I don't look at my expenses for a month or so. When I finally get doown to doing them a simple search "Tag:jun Tag:receipt: Tag:2014" Will get me ALL of my receipts for the month of June. how about all the Receipts for the YTD search "Tag:2014 tag:Receipt". Planning a trip to the same place you were last year in Aug? Search :"Tag:receipt Tag:aug tag:2013 tag:trip" BINGO all my expenses from trips in august of last year, Now once i am at my desktop I use Hyperlinks "Copy Note Link" and for trips (business or pleasure) I have a master Index page which has all my hyperlinks to the various notes, reservations. Each Trip has its own Master Index page for the airline tickets, mass transit Maps and a list of all my expenses, At each of the notes I have a hyper link back to the index page. The trip Index pages are linked to my Main Trip Index for all my years. Trips in 20014, trips in 2013 etc. My own personal hyperlinks are the easiest way to get to my related pages on my phone -- works WONDERFULLY in my iPhone but hyperlinks never worked in my windows phone one of the reason why I finally broke down and bought an iPhone ============== Naming Receipts ============== How do I name my receipts Receipt - Starbucks - 2014-07-23 - $4.85 Receipt - HomeDepot - Supplies - 2014-07-23 - $4.85 Receipt - Toll Road - 2014-07-23 - $3.00 Invoice - CC Contruction Co, - 2014-07-23 - $3,000.00 Bill - ATT Phone - 2014-07 - $45.00 Bill - Evernote Premium - 2014-07 - $45.00 Basically I can see most of what I need to know right in the name -- the date or just month and year. I can see is it a bill, receipt, or invoice? -- and how much was it, the most important thing to read in the title, you don't want to be opening each note to find out how much You could do away with the date tag by using the created criterion in your search syntax. Using the Created criterion is fine if you are diligent in imaging the receipt the day it is issued. Me - I tend to do all this stuff on the weekend when I have a weeks worth piled up in front of me. Call it a character flaw.
paperless Scanning advise
gchamberlin replied to HarperMind's topic in Going PaperlessI would not rely on the OCR of a PDF's contents to be able to find it in the future. Its getting better, but I personally don't think its good enough to rely on solely. I would still use notebooks, tags, note titles and keywords to effectively index and locate notes and documents. My "day job" is document imaging for a state agency. A lot of the historical documents that had been imaged were done so by outside contractors. The indexing of those documents were hit and miss in a lot of cases. (this state agency uses a in-house built image database, not Evernote, but I think my observations are the same) I don't know what kind of documents you are looking at imaging and how much granularity you want in the indexing. If you are looking to have a fair amount of detail in the indexing, I would not rely on the outside contractor to do that. Using Evernote, I would suggest have them scan the documents and put them in some general notebooks that can be further refined by someone in your organization - i.e letters, reports, invoices, receipts - whatever works for you. Then if you need to take it further, do it yourself (or someone in your organization). I don't think the outside contractor and the people they have do this would be dependable to index to much detail.
REQUEST: Evernote for Chromebook
gchamberlin replied to Tom Scholfield's topic in General Discussion ArchiveThanks CoffeeFirst for the heads up on cloudhq.net. I do use Google Docs for most of my writing, even if it is destined for filing in Evernote. The formatting options seem to be better and are preserved more consistently. And like you point out, you can use it even if you are off line (I'm also a Chromebook user - and have pretty well moved off of all things MS).
windows Encrypted pdf's not retrievable from Windows Desktop
gchamberlin replied to Doctorphil's topic in Windows ArchiveI brought this up the early part of December and after some discussion here, Gaz filled a support ticket on my behalf. Evernote support got back to me after a bit and suggested I uninstall and then reinstall Evernote and this should solve the problem (I am seeing this problem in Evernote for Windows). What with the holidays and all that was going on, I have not had a chance to do this - its on the schedule for this weekend. Might want to give it a try.
Do you think cost for Premium is too much money?
gchamberlin replied to BayRidge's topic in General Discussion ArchiveGM, thanks for the link to the excellent blog post. As an aside, the limits on amount of storage available refer to what you "upload". Although I have never come close to hitting the upper limit, I have wondered if content that you clip into Evernote using the web clipper or content that is dumped into Evernote via e-mail counts against that upload limit. Or is it just the bits and bytes that are sent from my desktop Evernote to the servers in the sky?
HOWTO: Cloud Print for Evernote
gchamberlin replied to Patrick74's topic in Evernote IntegrationsLooks like you can. There is an app in Google Play Store for Google Cloud Print. I just went to a page in Chrome on my Galaxy S3, tapped the Menu button and then selected Share. One of the "Share" options was Google Cloud Print. Selected that and all of my Cloud Printer options came up, including my little HP 1000 that I print to.


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|Today, Crown Princess Mary of Denmark attended Denmark's Flag Day 2018 respect ceremony held at 'Kastellet' in Copenhagen. The ceremony was held to honour soldiers and officials who are or have been deployed abroad by Denmark. September 5 is an official day to pay respect to Denmark's deployed soldiers and it is celebrated with various ceremonies and events across the country. (Prince Frederik had a light operation (Disc Prolapse) in the previous days and he currently receives physiotherapy. For that reason, his official programs for the next few weeks have been cancelled).
Crown Princess Mary attended Denmark's Flag Day 2018
11 comments:
Beautiful, wonderful Crown Princess Mary. All accessoires are niceReplyDelete
In my opinion this type of hat is the worst which can choose Mary but if she likes it...Dress is pretty.ReplyDelete
CP Mary looks stylish, but I don't find the hat and the dress were the right choice for this memorial ceremony to honour soldiers !?!ReplyDelete
Lovely, she is the best dressed of the bunch we follow.ReplyDeleteReplies
Great. Beautiful!ReplyDelete
Mary looks like a modern Mary Poppins,but she is really sweat in that hat.Mary is very professional.Good work from a girl who came from an ordinary home.That gives us information that born royal is not necessary to represent a country.ReplyDelete
I do not understand how she can walk in these shoes on the cobblestone!ReplyDelete
C'est comme pour les mannequins. Il faut marcher le long d'une ligne. Ainsi le pied se retrouve toujours au centre du pavé.ReplyDelete
(We will not publish unnamed comments that were posted without stating a name or nickname) - Blogs allow for the posting of public comments. Posted comments must directly relate to the information and or topics of discussion on those blog. Comments that are moderated will be reviewed before posting. Comments that are not moderated will be addressed as soon as possible. We trust the community to ignore personal attacks, negative speech, and respond politely.


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Breaking the cycle of dependence
The Point is coming out at the time the prospect of the newspaper in the traditional sense of the printed word is increasingly becoming bleak. A time it was when the Sunday Times alone sold about a million copies. Though the circulation figures of newspapers are closely guarded like news sources, it is doubtful if all the newspapers combined now sell up to 500,000 copies in a day, even when we have more newspapers than before. The Times titles have since disappeared altogether.
This regression is not due to dwindling purchasing power of Nigerians or the emergence of cable television and the new media alone. Increasingly, public trust in newspapers for accuracy and relevance has equally waned. Atrocious grammar, self-contradiction, superstition and rumour mongering, outright falsehood and brazen attempt to incite the public into a particular political direction or action, among others, have eroded the credibility of newspapers.
It is my sincere hope that this new entrant will beat a new path and carve a niche for itself in accuracy, fairness, truth and relevance. Humans will always buy any item they consider to be valuable. Even as things stand, newspapers will continue to rise and some, no matter how successful they might think they are, are going to fall, once they overplay their cards and take the reading public for granted.
Our subject of discussion is actually a question – 'What is the economics of change?' This is a play on word that indirectly put to task the campaign mantra of our party, the All Progressives Congress (APC) that promised Nigerians a change for the better during last year's election campaign. It is being subtly challenged in light of the declaration by the minders of the Nigerian economy that it has lapsed into recession.
This is on the heels of steep inflation and rising cost of all items; the continued fall in the value of the naira against other currencies; retrenchment of workers in the private sector and the challenges faced by 27 states of the federation in paying workers' salaries.
There has also been an unusual interest of the media to report human angle stories of domestic violence, divorce, suicide and petty theft, all blamed on the economic situation in the country. A man that battered his wife to death; a civil servant that reportedly stole his neighbour's pot of soup; a woman that chopped off her husband's manhood; and depressed individuals that took their own lives are regular and prominent daily news items, all blamed directly on the recession.
So, therefore, the question is rhetorical because it is cast in a self-evident form with the answer so obvious and tellingly screaming 'No, this is not change or, at least, not the change we asked for.'
But quite honestly, while we may not deny the obvious, these developments do not actually reflect the whole truth. The freefall of the Nigerian economy had begun long before the coming to power of APC. It has come to the nadir now and we can only be thankful that it is not worse than it actually is, because, indeed, it could have been worse.
The fundamental problem is that we can no longer fund our imports because our foreign earnings have progressively declined while our taste for and dependence on foreign goods have continued to increase. This is what put pressure on the naira, makes imported goods to become very expensive and the economy in a tailspin.
Let me add at this point that this recession is not new. It is a cycle that we have experienced several times in the past. We had one in the post crude oil dependency era, circa 1981-82, when Chief Obafemi Awolowo warned that the ship of state was headed for the rocks. He was dubbed then as 'prophet of doom' by the ruling National Party of Nigeria (NPN). His prognosis was simple. At the time, just like now, the price of oil fell. By 1983, we could hardly finance our imports and many states were distressed. The reaction then, as it is now, was to blame it on the profligacy of state governors, forgetting that revenue is recurrent – you only spend what you have and profligacy will no longer be possible when the tap runs dry since you cannot spend what you don't have.
Again, oil price fell under the General Sani Abacha regime, bringing economic downturns and stress to the states. We had this again during the brief spell of General Abdulsalami Abubakar. The difference then was that salaries and emoluments of workers were a reasonable fraction of expenditure and the military government of the time was not under any obligation of development. The military was more like an occupation force whose primary responsibility was to maintain law and order and keep the peace.
Former President Olusegun Obasanjo's administration also had the same problem twice while his successor, Umaru Yar'Adua, also had a depression on account of falling oil price.
The difference with these previous situations was that they never lasted. However, this is the first time that there will be a decline in oil price which has been sustained for more than two years running. Sooner or later, it is bound to knock the bottom off any economy.
Don't let us kid ourselves; we are dependent on imports, for everything. We import food, automobiles, petroleum products, drugs, clothing, building materials, machinery, electronics and household products.
You are aware that up to the middle of 2013, crude oil was selling well above $120. The Federation Account disbursed in excess of N1 trillion every month and our foreign reserve was rising. At a point in 2008, it stood at $62 billion. We were not saving, or better put, we were not using these huge earnings to develop our economy. According to the CBN, the Federal Government funded the operations of Bureaux de Change for 11 years with $66 billion before it was stopped in January this year. During this period, Nigerians were encouraged to obtain credit or debit card with which to shop abroad or buy goods online.
Our foreign earnings have since dropped because of the fall in oil price. Late last year and early this year, oil sold for as low as $22 before hovering now around $50. But we have double whammy in that not only has price dropped, our daily production fell as well. From all accounts, we are losing not less than one million barrels of crude oil per day, out of our 2.3 million official allocation, due to sabotage by militants in the Niger Delta.
In the absence of other serious foreign exchange earners, we are bound to have problems financing our imports, which are huge and humongous. Just take a sample: At official level, according to NNPC, we spend $20 million daily or $1.8 billion quarterly which translates to $7.2 billion annually to import fuel.
We also spend $20 billion every year to import food.
This will include $700 million on fish. There are conflicting figures but the highest, from a former Minister of Commerce and Industry, Engr. Charles Ugwuh, claims that we spend $2.6 billion annually to import rice while the CBN claims that our rice import bill for three years cost $2.4 billion. It will also include wheat, biscuits, noodles, dairy products, pastas, wines and other food items.
By importing, we are simply developing the economies of the nations we buy from through job creation, value chain maintenance, capacity for product development and other spin off effects of production.
You can imagine that there are seven million vehicles on our roads and we do not produce a single tyre for them. If the average lifespan of a tyre is three years, then every three years, we need 28 million tyres, working on the assumption that an average car has four wheels. We must then find a way to import 28 million new or used tyres. We can imagine what effect it would have on our economy if we produce just half of these tyres at home.
Then of course, we import textiles and clothing items, including handkerchiefs, underwear and footwear to the tune of $4 billion in a year. Apart from traditional wears, virtually all formal wears are now imported. For a very long time now, I have stopped wearing non-traditional dresses. If half of the country had been like me, it means that at least 80 million people will engage our local tailors and retain those whole transactions within our economy.
This problem did not begin last year. It has been the orientation of our economy since the oil boom of the 1970s. It must, therefore, be sensitive to the shocks of oil price crash.
What we can do in the short term is to find alternative sources of funding for our balance of trade deficit through borrowing, restriction on the importation of non-essential goods for which we can readily find local alternatives and disposing off idle and non-performing assets. We should also by whatever means end the conflict in the Niger Delta to be able to ramp up oil production. Adding one million barrels to our production will take us out of the woods. Therefore, plugging leakages and recovering loot, as the government is doing, is a right step to stop the haemorrhaging of the economy and maximise the current situation.
Another short term solution is to, in the Keynesian mode, engage in direct employment of youths. In spite of neoliberal opposition, this policy has never failed in addressing depression in the past. This is one of the innovations we brought to governance. Our administration has carried out the engagement of two tranches of 20,000 youths in public works in quick succession. The OYES cadets were not given permanent employment but engaged as volunteers and given monthly allowance. They were eventually given soft landing in the various empowerment schemes of the government in agriculture, teaching and information and communication technology. In less than two years of taking the youths off the streets, crime rate in Osun dropped to rock bottom. It also reflated the local economy since the N200 million monthly allowances given to them percolated into the grassroots. It is government money well spent. The programme has since been adopted by the World Bank and introduced nationally in a modified form as YESSO.
The long term solution is to get off the addiction to imported goods and start producing what we consume. We have no business importing fuel, for instance. We should be producing refined fuel, not just for local consumption, but for export as well. There should be a national policy centred on local refining of our crude. It will not only reduce the price of fuel, it will create jobs, wealth, foster a value-chain and bring development.
Excerpts from Governor Aregbesola's speech at the public presentation of The Point in Lagos.
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In 2017, New Brunswick, NJ had a population of 56.8k people with a median age of 23.5 and a median household income of $38,413. Between 2016 and 2017 the population of New Brunswick, NJ grew from 56,427 to 56,792, a 0.647% increase and its median household income declined from $40,428 to $38,413, a -4.98% decrease.
The population of New Brunswick, NJ is 53% Hispanic or Latino, 22.8% White Alone, and 12.8% Black or African American Alone. N/A% of the people in New Brunswick, NJ speak a non-English language, and 73.1% are U.S. citizens.
The largest universities in New Brunswick, NJ are Rutgers University-New Brunswick (12,873 degrees awarded in 2017) and New Brunswick Theological Seminary (33 degrees).
The median property value in New Brunswick, NJ is $257,100, and the homeownership rate is 18.7%. Most people in New Brunswick, NJ commute by Drove Alone, and the average commute time is 25.9 minutes. The average car ownership in New Brunswick, NJ is 1 car per household.


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Lipton Black Tea
A perfect blend of Lipton® Orange Pekoe and Pekoe cut black tea. 175mg protective antioxidants per 8 oz. serving. 100ct box
Please log in to add items to purchase items.If you have previously purchased on our site and this is the first time visiting our new site, please click here to have the website send you a new password for your account.


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Preparing for a criminal justice trial isn't something that can be done quickly. It takes time to get ready for this ordeal with significant ramifications if not done properly. Going through a trial is a multistep process that you should make sure you understand before you embark upon it.
Parents, coaches face charges in college admissions fraud
A 58-year-old man in California pleaded guilty on March 12 to federal charges related to racketeering, money laundering, obstruction of justice and conspiracy to defraud the United States in connection with the college admissions scandal. The scandal has engulfed a number of wealthy parents, including real estate developers, investors and actresses Felicity Huffman and Lori Loughlin, who reportedly paid the man to help ensure that their children were admitted to such colleges as Georgetown University and Yale.
California man sentenced to 33 months in fraud case
A San Jose man was sentenced to serve 33 months in federal prison followed by three years of supervised release after pleading guilty to mail fraud and embezzlement. The man was also ordered to pay $2,618,000 in restitution as a part of his plea agreement.


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The City of Santa Ana, Calif., will host an energy demand workshop for public entities on August 12. The workshop is designed to show how public agencies can make money by participating in their utilities' demand-response programs.
Demand response is reducing or shifting electricity use in response to a utility company's high electricity prices or when the provider has serious problems with meeting demand on their grid. Fleet and facilities managers, as well as other department heads, can choose how much load to reduce. Reduction methods include turning off or dimming lights, raising air conditioner temperature, cycling HVAC or motors, and turning off plug loads from computers and printers. Payments can be made to an agency for being available and not just when there are events.
The presentation and luncheon will be held from 11am to 1pm and will be led by Francie Finn from The Ramsay Group and Laurie Wiegand-Jackson from North American Power Partners. City and county Public Works directors, facilities managers, fleet managers, analysts, supervisors, and operations managers are invited to attend. To RSVP, e-mail email@example.com.
Santa Ana fleet, facilities and central stores manager Rick Longobart is sponsoring the program.


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The answer is that Campagnolo did indeed make cranksets (and hubs and a few other pieces) for the the new BMX market in the 1980s. Based on the Nuovo/Super Record crankset, the BMX cranks were specifically designed to fit a single chainring. The gruppos came in several anodized colors--in the photos below are our reader's blue set and a gold BMX crank that graces one of Campy Only's fixed gear bikes.
Campagnolo soon dropped the BMX gruppo, but you can still find cranksets fairly easily on eBay or other online sources. They'll make a great, retro-looking addition to your classic bike.
Bottom photo: Harry the cat helped with the photo shoot.
- Posted using BlogPress from my iPad


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My sweet boy is six months old! This is crazy! He is getting bigger every day. I'm so proud of him – I'm both super excited for each new thing he learns, and yet sad that he is leaving certain stages behind. That's motherhood I guess!
Physical Development
Deacon's physical development is taking off in leaps and bounds. He still loves to stand with help and dance around, and he is getting strong enough to pull himself up. He's only done this with our hands, but I know it's just a matter of time before he discovers he can do it with the furniture. He can sit upright on his own if we set him down like that, but he can't quite get himself in that position yet. He has figured out how to scootch himself around. He's really good at going backwards, and just starting to figure out how to move forwards. It's kind of funny to watch him – his limbs go all over the place. Check out this video to see him doing it 🙂
Social Development
My boy is still as sociable as ever. He loves to babble and have a "conversation" with us. He loves being outside, though he is a little skeptical of grass and dirt (I think he has inherited his dad's aversion to mess!). I just started taking him to a sensory open play time at our local library, and I'm excited to see how that goes. The first one went ok, but he was a little overwhelmed by all of the other babies and adults.
Deacon has started solids! We did end up sticking it out until six months, and are doing Baby-led Weaning. I'm hoping to do a post soon on what it's been like, but so far its been great, and it's fun seeing D figure out foods and textures and tastes. He really likes cucumbers and bananas. It is definitely a little nerve-racking watching him chew on hunks of cucumber, but he is awesome at figuring out how to chew it. I've also ordered this kit to learn infant CPR so I can be prepared should anything happen. Cory is also certified. Hopefully we'll never need these skills, but better safe than sorry!
Baby D is also still breastfeeding. BLW advises continuing baby's regular milk feeds, since they often don't get a ton of nutrition from the foods they eat until later on.
Sleep has been sort of on-again, off-again in the last couple months. Deacon is still waking a couple times during the night. I've been trying to work with him to help him learn to sooth himself back to sleep, but I haven't had much success because our schedule has been rather crazy with travel, visiting family, and (of course) the time change. It hasn't been too bad, but I'd really like for him to start sleeping through the night (read, I'd really like to start sleeping through the night!). Fortunately, he goes down wonderfully well for naps and bedtime.
What's Next
Now that he is figuring out how to move, we need to babyproof! I'm planning on getting some baby gates and cabinet locks, and doing some reorganizing so there are fewer things in his reach. If you've got any advice or experiences to share, I'd love to hear your tips!
I'm also hoping to start doing some fun sensory things with him, like playing with different textures and sounds. Pot banging, here we come 🙂


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Microsoft have released Window 10 19H1 build 18312 for Windows Insiders on the fast ring. Once again this build doesn't have many new features but there is an interesting new tool for helping keeping your PC running well.
UPDATE: Here is my hands on video:
This build includes the new reserved storage features that reserves space on the PC to make sure the system can perform updates and keep the system working healthy.
For the feature to work in the new build you need to have enabled it in 18309 so follow my guide if you want to enable it before installing the new build.
The other changes include an updated PC Reset UI which Microsoft say is clear for the users.
Another change is a FLS Slot Limit Increase. This fixes issues with running into with multiple plug ins on music workstation:
This build greatly raises that per-process FLS slot allocation ceiling, allowing loading potentially thousands of unique plugins. Beyond musicians, this change will positively impact any application that dynamically loads hundreds or thousands of unique DLLs that have statically-linked Visual C++ runtimes, or otherwise allocate FLS slots.
Here are the other fixes and known issues with the build. Lookout for my hands on video soon.
General changes, improvements, and fixes for PC
We fixed an issue where the Network shares page in File Explorer used black text in dark theme.
We fixed an issue impacting Microsoft Edge reliability in the last few builds.
We fixed an issue where USB printers may appear twice in Devices and Printers under Control Panel.
We fixed an issue where the console would lose color when spawning a new Command Prompt.
Following up on our work earlier this release to make the console scrollbar dark when dark theme is enabled, the title bar will also now bar dark (if you haven't chosen in Settings to use your accent color in the title bar).
We're adding a group policy for disabling acrylic on the sign-in screen. This can be found in Group Policy Editor under Administrative Templates > System > Logon > "Show clear logon background".
We fixed an issue where custom desktop/Lock screen images deployed by a runtime provisioning package would be removed after Windows Update.
We fixed an issue where the shadow behind a flyout might zoom in after the flyout appeared.
We fixed an issue where, if enabled, the Windows Start Up Sound might not play after turning on from shutdown or after updating.
We fixed an issue where the File Properties dialog wouldn't show the full timestamp if "Conversational format" was selected for the Date Modified column in File Explorer.
We fixed an issue where the hyperlink colors needed to be refined in Dark Mode in Sticky Notes if Insights were enabled.
If you were experiencing Sticky Notes stuck on Loading with Build 18309, please check the Microsoft Store for Sticky Notes version 3.5.4.
Known issues
The Windows Security app may show an unknown status for the Virus & threat protection area, or not refresh properly. This may occur after upgrade, restart, or settings changes.
Launching games that use anti-cheat software may trigger a bugcheck (GSOD).
Clicking your account in Cortana Permissions doesn't bringing up the UI to sign out from Cortana (if you were already signed in) for some users in this build.
Creative X-Fi sound cards are not functioning properly. We are partnering with Creative to resolve this issue.
When attempting to update this build some S Mode devices will download and restart, but fail the update.
Night light functionality is impacted by a bug in this build. We're working on a fix, and it will be included in an upcoming build.
When you open Action Center the quick actions section may be missing.
Clicking the network button on the sign-in screen doesn't work.
Some text in the Windows Security app may not currently be correct, or may be missing. This may impact the ability to use some features, such as filtering Protection history.
Windows feature update may fail but show up as a successful update in Windows Update history page. If this happens you will see more than one successful install for the same update in the history page.
Users may see a warning that their USB is currently in use when trying to eject it using File Explorer. To avoid this warning, close down all open File Explorer windows and eject USB media using the system tray by clicking on 'Safely Remove Hardware and Eject Media' and then selecting the drive to eject.
When performing Reset this PC and selecting Keep my files on a device that has Reserved Storage enabled the user will need to initiate an extra reboot to ensure Reserved Storage is working again properly.
There is an issue impacting a small number of users enrolled in Microsoft Intune where they may not receive policies. Those policies are not applied and left in "pending" state on the server. The workaround is to go to Settings/Accounts/Access work or school and "Disconnect" your Azure AD account and then re-enroll.
[ADDED] We're investigating issues with Windows Sandbox not loading on PCs with multiple GPUs.


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Belly Dance Hero- Carrie Meyer
Join us on Wednesday November 29 at 7pm Central time for our conversation with Carrie Meyer. Many of you know Carrie as the premier belly dance photographer in the US. She has a unique way of capturing the beauty and spirit of her subjects. She is also a Belly Dance Business Academy instructor and blogger educating folks about photography, how to interact with a photographer and copyright issues around photographs.
Join me live for my interview with Carrie or submit questions for her in advance. The interview will be hosted by Zoom. If you haven't used Zoom before, plan to log on about 10 minutes early and we can make sure you are all set before the interview begins. It is a super easy platform to use, but we will be able to assist you if you have any difficulties before the interview is live.
Your Instructor
I have had 25 years of small business ownership and consulting experience that I will draw upon to help you reach your business goals.
I am the owner of the Belly Dance Business Academy (BDBA). In addition to running the BDBA, I am the Owner of Third Eye Tribal in MN, a Business Consultant for FatChanceBellyDance®, Producer of ATS® Homecoming and the Project Manager for The ATS® Magazine. I am deeply entrenched in the American Tribal Style® and broader belly dance community bringing connections and resources to my consulting relationship with you. I have written two books, produced an instructional DVD, lectured and taught dance extensively and run successful dance businesses in two states.
My professional experience prior to dance includes a Master of Theological Studies in Feminist Theology and nonprofit management including serving as the Executive Director of Rape Crisis, Domestic Violence and Women's Centers in TN, OH, NC and MN. My training and experience in counseling allows me to offer insightful and compassionate guidance to you on your journey.


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We want to hear from you! If you have any questions or comments please feel free to email us. We will get back to you ASAP, promise!
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Inside: Looking for a fun spring dramatic play idea? This flower market is a fun way to work on social skills through play!
Over the many years I've been teaching, our preschool has somehow acquired an abundance of artificial flowers.
When I open our gardening theme box, it's full of them!
So, what to do with all those flowers?
Have a flower market, of course!
And that's exactly what was in our dramatic play area during our gardening theme.
I've created some flower market signs and notepaper that you can use, too! Just scroll down towards the end of this post to find the link.
Flower Market Spring Dramatic Play
After I gathered all of the artificial flowers that popped out of that gardening theme box, I pulled out our puppet theater. Not for puppets, though. I chose it because I love the curtained window. It always creates a place to take orders. In this case, flower orders.
I hung our flower market open/closed sign in front of it.
Then I placed the flower bouquet sign in front of a container of flowers.
Oh, and our colorful butterflies were all around the flower market as well!
We also had gardening gloves and market bags.
I knew these market bags would be a huge hit, because 2 and 3 year olds LOVE to pack anything into a bag.
Yep, I see you all nodding in agreement.
My co-teacher and I decided to extend this spring dramatic play activity to the block area so the children would have more room.
Good call, because it made such a difference.
This is one of my biggest tips for teachers: you CAN move things around. You CAN remove some toys. Nothing is set permanently. Make it work for what's going on that week.
I love our train table for much more than holding trains. It's a perfect height and size for other activities.
Like sorting flowers!
I cannot tell you how many times I was offered some flowers by my little friends.
Truly, that just melts my heart.
Throughout centers time, some little hand was offering me flowers, and their faces were beaming.
Oh, my heart! Reason #2,034 that I absolutely love my job!
Flowers were gathered, dropped on the floor, placed in bags, handed to teachers.
And that puppet theater?
It turned into a walk-up order window.
I added some flower market notepaper (found in the printables link below) and clipboards.
They were ready to take flower orders!
This is a huge example of learning through play.
The children were moving things around. They were working together. Conversations were taking place.
And orders were written.
In 2 and young 3 year old style.
Okay, and now I have to share a reality photo.
So you all know nothing stays as I set it up.
A baby, a clipboard, gardening gloves, birthday hats, food … all tossed on the table. That's actually clean compared to some days!
Make sure to grab your free flower market printables:
Planning your flowers and trees theme? We've done the work for you!
I am so excited to be a co-author of these flowers and trees theme lesson plans.
24 preschool learning activities for your flowers and trees theme, including literacy, math, science, art, fine motor, and more! A great resource for teachers and homeschoolers.
24 preschool learning activities that cover:
Fine Motor
Gross Motor
Social Studies
Circle Time
More toddler and preschool themes:
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penthouse for sale in pego
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4TH Floor penthouse apartment in Pego. NO LIFT. 3 bedrooms, bathroom & cloakroom. Light accommodation. Beautiful mountain and sea views. Balcony and communal roof terrace. Cheap to run. Near shops, bars and restaurants. Private garage to be sold separately (18sqm). Stunning beaches 10 km away The approach to the property is via a communal entrance and a staircase to all floors. The main door of the apartment opens into an L shaped reception hallway, with doors leading to all living accommodation. Lounge dining room is a light and spacious room, with ceiling light, coving and sliding patio doors to a balcony. The balcony has room for chairs to sit and enjoy the views of the town, church and mountains. Kitchen has a range of base and wall units, a built in pantry, free standing cooker, sink with tap over and drainer, window above the sink and a door out to a balcony. Balcony has room to sit and enjoy the views of the mountains and a utility area. Utility area with space and plumbing for a washing machine, a gas boiler for hot water, scrub sink and a window to the side. Bedroom 1 is a good sized double bedroom with a window overlooking the side elevation with views of the mountains, space for freestanding wardrobe and an air conditioning unit. Bedroom 2 is a double bedroom, window looking out over the balcony and utility area, built in wardrobe with sliding doors, ceiling light, Cloakroom with a W.C. A vanity unit with cupboards underneath and mirror over and a window. Bathroom with a full length bath with a shower over, W.C. wash basin and bidet and a window Bedroom 3 is a single bedroom with ceiling light and a window Communal roof terrace with stunning views of the mountains and the sea.


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Today is the memorial of St Maximilian Mary Kolbe, a priest and a martyr.
Prayer: O God, who filled the Priest and Martyr Saint Maximilian Kolbe with a burning love for the Immaculate Virgin Mary and with zeal for souls and love of neighbor, graciously grant, through his intercession, that striving for your glory by eagerly serving others, we may be conformed, even until death, to your Son. Who lives and reigns with you in the unity of the Holy Spirit, one God, for ever and ever. Amen.


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Yesterday I posted a post on how I got insulted and how I turned that insult into a chance to set my first blogging goal.
Read: How I Turned An Insult Into My First Blogging Goal
In that post, I named off a few big names of gurus that have written books that I have read about goal setting.
I wanted to quickly share with you a small list of my top 4 books that I've read on goal setting, being productive, and getting things done.
1. Getting Things Done: The Art of Stress-Free Productivity
– by David Allen
What I liked about this book: Getting Things Done: The Art of Stress-Free Productivity, is about Getting Things Done. It teaches you a method for productivity. The premise is simple. Write down all your tasks or goals you need to get done. Break those items up into actionable pieces. Once your first task is done, move on to the next until you get to your goal. This method works because once you do a brain dump, you don't need to use your energy recalling what you need to do and just focus on completing your list.
2. Atomic Habits: Tiny Changes, Remarkable Results
– by James Clear
What I liked about this book: Atomic Habits a habit-forming book. The author breaks it down for you with simple steps that you can apply right away. It's a more recent book published in October of 2018. Meaning, the information is fresh and new. You don't feel like you are reading a book from some old dead doctor that shares information that doesn't make sense to today's world.
3. The 7 Habits of Highly Effective People – Powerful Lessons in Personal Change
– written by Stephen R. Covey
What I liked about this book: 7 Habits of Highly Effective People is probably one of the most famous books on this subject. If you are looking for examples of the 7 steps you can easily find examples because this information is quickly found all over blog posts and youtube. My favourite stage is in step 2. Begin with the end in mind. Simply put, what do you want in the future so you can work towards it.
4. One Small Step Can Change Your Life
– written by Robert Maurer
What I liked about this book: One Small Step Can Change Your Life is all about the Kaizen approach. What is the Kaizen approach? It's a method that was developed for creating continuous improvement by implementing ongoing positive changes. I tried to include some of the technique in my everyday life.
Question for you!
Have you read any books on goal setting, being productive, and getting things done? If so, what did you read and do you recommend the book?