CFED's 2005 annual report summarizes the organization's work that year to expand economic opportunity. It highlights several key initiatives:
1) Releasing an updated Assets and Opportunity Scorecard to measure families' financial security and identify policy opportunities.
2) Partnering with the Federal Reserve on forums around the country to advance asset-building programs and policies.
3) Continuing the SEED initiative to develop children's savings accounts, with over 1,200 accounts opened across 12 community sites.
4) Launching new efforts like the Native IDA Initiative and I'M HOME to expand opportunities for asset building among Native communities and manufactured home owners.
Young Adults living in rural communities face special challenges. Often, employment opportunities are few, transportation costs are high, the range of educational options is narrow, and Young Adults often contend with additional challenges such as alcohol and drug abuse. Come hear from representatives of two rural areas: Down East Maine and Western New Hampshire. Learn how these Young Adult service providers have taken steps to better align limited community resources to better serve Young Adults and to ensure they are prepared for a promising future and economic self-sufficiency!
Concerned about the flow of young people, money, and talent away from your community? Want new ideas about how to keep those assets local? This presentation focuses on how communities in economic decline, and communities in central Appalachia specifically, can keep kids, cash, and culture in the community. It includes overarching theory, examples, and lists of resources.
Concerned about the flow of young people, money, and talent away from your community? Want new ideas about how to keep those assets local? This presentation focuses on how communities in economic decline, and communities in central Appalachia specifically, can keep kids, cash, and culture in the community. It includes overarching theory, examples, and lists of resources.
Richwood Press Release On School Consolidation - 4/9/2017Timothy Dick
Richwood Mayor Baber Announces a secret grass roots Public Letter Campaign which Denounces the Cruelest (and most senseless) Consolidation Proposed in American History.
Within the past week over 8,500 individually mailed letters were sent to President Trump, Education Secretary DeVos, Senators Manchin and Capito, Congressperson Jenkins, Governor Justice, the Head of FEMA and many more, including Tom Campbell at the State Board of Education. The heartfelt letters are meant to inform, and condemn, the proposed misuse of significant FEMA funds which are meant primarily to restore the impacted community of Richwood, WV which suffered A Thousand Year Flood. They further outline multiple, legal, ethical, moral, civil, and human rights issues and violations.
Young Adults living in rural communities face special challenges. Often, employment opportunities are few, transportation costs are high, the range of educational options is narrow, and Young Adults often contend with additional challenges such as alcohol and drug abuse. Come hear from representatives of two rural areas: Down East Maine and Western New Hampshire. Learn how these Young Adult service providers have taken steps to better align limited community resources to better serve Young Adults and to ensure they are prepared for a promising future and economic self-sufficiency!
Concerned about the flow of young people, money, and talent away from your community? Want new ideas about how to keep those assets local? This presentation focuses on how communities in economic decline, and communities in central Appalachia specifically, can keep kids, cash, and culture in the community. It includes overarching theory, examples, and lists of resources.
Concerned about the flow of young people, money, and talent away from your community? Want new ideas about how to keep those assets local? This presentation focuses on how communities in economic decline, and communities in central Appalachia specifically, can keep kids, cash, and culture in the community. It includes overarching theory, examples, and lists of resources.
Richwood Press Release On School Consolidation - 4/9/2017Timothy Dick
Richwood Mayor Baber Announces a secret grass roots Public Letter Campaign which Denounces the Cruelest (and most senseless) Consolidation Proposed in American History.
Within the past week over 8,500 individually mailed letters were sent to President Trump, Education Secretary DeVos, Senators Manchin and Capito, Congressperson Jenkins, Governor Justice, the Head of FEMA and many more, including Tom Campbell at the State Board of Education. The heartfelt letters are meant to inform, and condemn, the proposed misuse of significant FEMA funds which are meant primarily to restore the impacted community of Richwood, WV which suffered A Thousand Year Flood. They further outline multiple, legal, ethical, moral, civil, and human rights issues and violations.
This is a bold and historic declaration to a nation that has yet to rally around investing and supporting the success of its Black boys.
Our approach is to inform and educate leaders and influencers: i.e. policymakers, educators, professionals, business and community leaders, investors, philanthropists, clergy, pro athletes and celebrities.
We believe too many leaders and influencers of America's Black boys are disconnected from the knowledge and networks that drive the 21st century innovation economy.
The result is a generation of lost, confused and angry youth who grow into lost, confused and angry men. They, in turn, continue to perpetrate the cyclical problem. The goal of our campaign is awareness and intervention.
So, we focus on the adults. The leaders. Those in positions of power and influence. And it is these folks we call to gather at our summits. It is these leaders and influencers we call upon to support our efforts.
Our campaign speaks of the problems and challenges, but only as the opening toward introducing and implementing solutions. Our summits Introduce unique visionary frameworks and call for a coalition of committed collaborators to work with us in implementing solutions that will disrupt the status quo and leverage today's innovative constructs, networks, technologies and opportunities to produce exponential (versus incremental) progress. The result is what we call Inclusive Competitiveness. The process is what we call Pipeline2Productivity.
Our boys are talented. They are creative. They are smart. They hold within an inherent ingenuity that, if sufficiently tapped, could unleash a torrent of innovative entrepreneurs, job growth and generational wealth creation that benefits the overall economic competitiveness of every local region and the global economic competitiveness of the nation.
Will you join us in making an investment in America’s Black Boys?
We believe it is a 21st century national economic imperative.
We hope you agree.
Nearly every major metro region in America is experiencing great economic stress. Amazingly, stakeholders in every region are disconnected, disjointed and unable to effectively communicate. There exists no common vision, strategy or framework for including and empowering all of the region's residents.
Local innovation ecosystems are fragmented, with leaders operating in their own independent silos. And historically underserved and disconnected peoples and communities are so far behind they are losing ground daily as the explosive growth of innovation hubs and the startup culture threatens to leave them behind permanently.
The Innovation Economy Epiphany Workshop introduces the BIG PICTURE in a way that all audiences can clearly understand. In this workshop, the key issues of a common local vision, common understanding, common strategies, inclusive frameworks and open collaboration are threaded throughout.
But how do we develop a common vision, common understanding, and a strategic approach toward economic inclusion and increased regional competitiveness?
How do we empower those who have fallen far behind to not only participate in the innovation economy but become productive in job growth and wealth creation?
And how can we identify and scale up what's working in each local region?
What role does education play in the "economic future" of each region?
And how do we get local stakeholders to break down the walls of competitive silos to collaborate for the benefit of each generation?
This workshop is an innovative approach to aligning the disjointed, connecting the disconnected and empowering individuals, communities and regions to develop a sustainable pipeline to productivity process that increases job growth and regional economic competitiveness through the framework of local innovation, inclusion and impact.
You will emerge from this workshop with a significantly greater understanding of how your local innovation ecosystem works, your role in it and an understanding of how you can be part of the solution to the challenges your region faces.
This workshop is step one of a process that will open your eyes to a 21st century economic imperative and national vision of Inclusive Competitiveness. It is a must-attend event for anyone concerned about the economic future of their community, region and state.
CFED is proud to present our 2007 annual report, “Opportunity,” a chronicle of CFED initiatives that are opening the doors to economic opportunity through building and preserving assets, making education and small business ownership accessible and putting homeownership and equity building within reach for millions of Americans.
From recruiting more passionate staff members to acquiring a bigger board of directors and most importantly, generating greater impact of CFED's work, 2000 was a fundamental year of growth for CFED. Mobilizing a strategic three-year plan at the beginning of the year, CFED has channeled it's resources into acquiring individual assets, enterprise development, and sustainable economies that have resulted in a remarkable vision for economic opportunity in years to come.
2008 was a year in which almost all our assumptions about how the world operates were challenged – for the better, and for the worse. Optimistic political change was paired with an economic crisis, the impact of which continues to devastate the fragile base of financial security relied upon by most low- and moderate income Americans. The asset building message has never been more relevant or necessary.
Federal Knowledge Management Initiative Roadmapdowntown76
On February 3, 2009 Neil Olonoff will present a Webinar summarizing the "Federal Knowledge Management Initiative Roadmap." The initiative, begun several months ago by members of the Federal Knowledge Management Working Group, aims to establish an official center for knowledge management in the Federal Government. With this center of operations as a start, the Federal government can begin to foster knowledge sharing practices and culture, build innovation, and find solutions to the Knowledge Retention Crisis. And there is much more to the plan. Learn how you can become a part of this exciting, ambitious new direction for knowledge management in Government, by attending via phone and computer.
Neil is currently the Chair at Federal Knowledge Management Initiative Committee and the Knowledge Management Lead at US Army, HQDA G-4 / Innolog. Neil has over 25 years of experience focused on federal and private sector consulting services in information management, enterprise content management, knowledge management, strategic planning, marketing, and transition management.
This is a bold and historic declaration to a nation that has yet to rally around investing and supporting the success of its Black boys.
Our approach is to inform and educate leaders and influencers: i.e. policymakers, educators, professionals, business and community leaders, investors, philanthropists, clergy, pro athletes and celebrities.
We believe too many leaders and influencers of America's Black boys are disconnected from the knowledge and networks that drive the 21st century innovation economy.
The result is a generation of lost, confused and angry youth who grow into lost, confused and angry men. They, in turn, continue to perpetrate the cyclical problem. The goal of our campaign is awareness and intervention.
So, we focus on the adults. The leaders. Those in positions of power and influence. And it is these folks we call to gather at our summits. It is these leaders and influencers we call upon to support our efforts.
Our campaign speaks of the problems and challenges, but only as the opening toward introducing and implementing solutions. Our summits Introduce unique visionary frameworks and call for a coalition of committed collaborators to work with us in implementing solutions that will disrupt the status quo and leverage today's innovative constructs, networks, technologies and opportunities to produce exponential (versus incremental) progress. The result is what we call Inclusive Competitiveness. The process is what we call Pipeline2Productivity.
Our boys are talented. They are creative. They are smart. They hold within an inherent ingenuity that, if sufficiently tapped, could unleash a torrent of innovative entrepreneurs, job growth and generational wealth creation that benefits the overall economic competitiveness of every local region and the global economic competitiveness of the nation.
Will you join us in making an investment in America’s Black Boys?
We believe it is a 21st century national economic imperative.
We hope you agree.
Nearly every major metro region in America is experiencing great economic stress. Amazingly, stakeholders in every region are disconnected, disjointed and unable to effectively communicate. There exists no common vision, strategy or framework for including and empowering all of the region's residents.
Local innovation ecosystems are fragmented, with leaders operating in their own independent silos. And historically underserved and disconnected peoples and communities are so far behind they are losing ground daily as the explosive growth of innovation hubs and the startup culture threatens to leave them behind permanently.
The Innovation Economy Epiphany Workshop introduces the BIG PICTURE in a way that all audiences can clearly understand. In this workshop, the key issues of a common local vision, common understanding, common strategies, inclusive frameworks and open collaboration are threaded throughout.
But how do we develop a common vision, common understanding, and a strategic approach toward economic inclusion and increased regional competitiveness?
How do we empower those who have fallen far behind to not only participate in the innovation economy but become productive in job growth and wealth creation?
And how can we identify and scale up what's working in each local region?
What role does education play in the "economic future" of each region?
And how do we get local stakeholders to break down the walls of competitive silos to collaborate for the benefit of each generation?
This workshop is an innovative approach to aligning the disjointed, connecting the disconnected and empowering individuals, communities and regions to develop a sustainable pipeline to productivity process that increases job growth and regional economic competitiveness through the framework of local innovation, inclusion and impact.
You will emerge from this workshop with a significantly greater understanding of how your local innovation ecosystem works, your role in it and an understanding of how you can be part of the solution to the challenges your region faces.
This workshop is step one of a process that will open your eyes to a 21st century economic imperative and national vision of Inclusive Competitiveness. It is a must-attend event for anyone concerned about the economic future of their community, region and state.
CFED is proud to present our 2007 annual report, “Opportunity,” a chronicle of CFED initiatives that are opening the doors to economic opportunity through building and preserving assets, making education and small business ownership accessible and putting homeownership and equity building within reach for millions of Americans.
From recruiting more passionate staff members to acquiring a bigger board of directors and most importantly, generating greater impact of CFED's work, 2000 was a fundamental year of growth for CFED. Mobilizing a strategic three-year plan at the beginning of the year, CFED has channeled it's resources into acquiring individual assets, enterprise development, and sustainable economies that have resulted in a remarkable vision for economic opportunity in years to come.
2008 was a year in which almost all our assumptions about how the world operates were challenged – for the better, and for the worse. Optimistic political change was paired with an economic crisis, the impact of which continues to devastate the fragile base of financial security relied upon by most low- and moderate income Americans. The asset building message has never been more relevant or necessary.
Federal Knowledge Management Initiative Roadmapdowntown76
On February 3, 2009 Neil Olonoff will present a Webinar summarizing the "Federal Knowledge Management Initiative Roadmap." The initiative, begun several months ago by members of the Federal Knowledge Management Working Group, aims to establish an official center for knowledge management in the Federal Government. With this center of operations as a start, the Federal government can begin to foster knowledge sharing practices and culture, build innovation, and find solutions to the Knowledge Retention Crisis. And there is much more to the plan. Learn how you can become a part of this exciting, ambitious new direction for knowledge management in Government, by attending via phone and computer.
Neil is currently the Chair at Federal Knowledge Management Initiative Committee and the Knowledge Management Lead at US Army, HQDA G-4 / Innolog. Neil has over 25 years of experience focused on federal and private sector consulting services in information management, enterprise content management, knowledge management, strategic planning, marketing, and transition management.
2004 was a year of celebration and spirited renewal for CFED. Celebrating 25 years of excellence, CFED has continued to pummel through major obstacles hindering its progressive movement in the past and has seen significant growth within all levels of the organization to date. Increasing efforts with our Individual Development Accounts and asset-building, microenterprise and entrepreneurism, regional economic development, and development finance programs, CFED is at the forefront of expanding economic prosperity.
j u l y a u g u s t 2 o o 2Volume 81 • Number 4The .docxpriestmanmable
j u l y / a u g u s t 2 o o 2
Volume 81 • Number 4
The Corporate Key
Using Big Business to Fight Global Poverty
George C. Lodge
In recent months, world leaders—including
President George W. Bush and un
Secretary-General Kofi Annan—have
proclaimed their determination to reduce
global poverty. Such promises, however,
have been made before, and past eªorts
to follow through on them have been dis-
appointing. Success this time will require a
new institution that can harness the capa-
bilities of global corporations and, helped
by loans from development agencies, di-
rectly attack the root causes of poverty.
The need for corporate involvement in
the fight against poverty stems from several
factors. To begin with, many of the world’s
poor live in countries where governments
lack either the will or the ability to raise
living standards on their own. Financial
assistance to such governments, therefore,
has often not helped their neediest citizens.
In fact, in spite of the roughly $1 trillion
that has been spent on grants and loans to
fight poverty around the globe since the end
of World War II, nearly half the world’s six
billion people still live on less than $2 a
day; a fifth get by on less than $1. At times,
foreign aid has even worsened the plight
of the poor, by sustaining the corrupt or
otherwise ine⁄cient governments that
caused their misery in the first place. In
such mismanaged countries—which
number close to 70—a way must be found
to change the basic system.
Globalization—seen by many today
as a sort of cure-all—will certainly not
eradicate poverty on its own. True,
international trade and investment have
increased vastly over the last decade,
making many people richer. But the
problem is that the process has not really
been global enough. In fact, some two
billion people today live in countries that
are actually becoming less globalized:
trade is diminishing in relation to national
income, economic growth has stagnated,
and poverty is on the rise. Most people
in Latin America, the Middle East, and
Central Asia are poorer today than they
were ten years ago, and most Africans were
better oª forty years ago. The average per
capita income of Muslim countries, from
Morocco to Bangladesh and Indonesia to
[ 1 3 ]
The Corporate Key
Using Big Business to Fight Global Poverty
George C. Lodge
George C. Lodge is the Jaime and Josefina Chua Tiampo Professor of
Business Administration, Emeritus, at Harvard Business School. His most
recent book is Managing Globalization in the Age of Interdependence.
the Philippines, is now just half the
world average.
Poverty is not, of course, a new phenom-
enon. But during the Cold War, economic
misery abroad did not matter to Washing-
ton; the United States and its allies were
concerned with sustaining anti-Soviet
regimes, not raising living standards.
Today, however, a new determination has
emerged to deal with what one un panel
has called the “pre-eminent moral and
humanitarian challenge of our ...
A powerpoint for my professional communcations class, where my group, JP&L, Inc, consulted/advised an internet service provider with internal and external challenges.
Essay About Our School. Our School Essay In English For Kids - Going Back to ...Nicole Muyeed
Schools Essay | Essay on Schools for Students and Children in English .... My school essay in English by Kids talent and entertainment - YouTube. 007 My School Essay Example ~ Thatsnotus. Essay On My School | My School Essay In English - YouTube | School .... My School Essay/My School Essay English. Essay On School - Why this school essay for dissertation hypothesis .... Essay for education - The Best Place to Buy Same day essay.. Essay On My School - 500 Words. 015 Essay Example First Day Of School ~ Thatsnotus. My School – Essay in 2020 | School essay, I school, Short essay. Write an essay on my school - The Writing Center.. School essay. 24/7 College Homework Help.. School Education Essay – Telegraph. Elementary education Essay Example | Topics and Well Written Essays .... Amazing High School Essay ~ Thatsnotus. 008 My School Essay .... How to write a good academic essay.
Future agenda, The World in 2025, Whitehorse Business Connect ConferenceFuture Agenda
Sharing insights on the world in 2025 from the Future Agenda programme, with the Whitehorse, CA Chamber of Commerce and invited guests at the annual Business Connect Conference
A tale of scale & speed: How the US Navy is enabling software delivery from l...sonjaschweigert1
Rapid and secure feature delivery is a goal across every application team and every branch of the DoD. The Navy’s DevSecOps platform, Party Barge, has achieved:
- Reduction in onboarding time from 5 weeks to 1 day
- Improved developer experience and productivity through actionable findings and reduction of false positives
- Maintenance of superior security standards and inherent policy enforcement with Authorization to Operate (ATO)
Development teams can ship efficiently and ensure applications are cyber ready for Navy Authorizing Officials (AOs). In this webinar, Sigma Defense and Anchore will give attendees a look behind the scenes and demo secure pipeline automation and security artifacts that speed up application ATO and time to production.
We will cover:
- How to remove silos in DevSecOps
- How to build efficient development pipeline roles and component templates
- How to deliver security artifacts that matter for ATO’s (SBOMs, vulnerability reports, and policy evidence)
- How to streamline operations with automated policy checks on container images
Unlocking Productivity: Leveraging the Potential of Copilot in Microsoft 365, a presentation by Christoforos Vlachos, Senior Solutions Manager – Modern Workplace, Uni Systems
Pushing the limits of ePRTC: 100ns holdover for 100 daysAdtran
At WSTS 2024, Alon Stern explored the topic of parametric holdover and explained how recent research findings can be implemented in real-world PNT networks to achieve 100 nanoseconds of accuracy for up to 100 days.
In his public lecture, Christian Timmerer provides insights into the fascinating history of video streaming, starting from its humble beginnings before YouTube to the groundbreaking technologies that now dominate platforms like Netflix and ORF ON. Timmerer also presents provocative contributions of his own that have significantly influenced the industry. He concludes by looking at future challenges and invites the audience to join in a discussion.
DevOps and Testing slides at DASA ConnectKari Kakkonen
My and Rik Marselis slides at 30.5.2024 DASA Connect conference. We discuss about what is testing, then what is agile testing and finally what is Testing in DevOps. Finally we had lovely workshop with the participants trying to find out different ways to think about quality and testing in different parts of the DevOps infinity loop.
Communications Mining Series - Zero to Hero - Session 1DianaGray10
This session provides introduction to UiPath Communication Mining, importance and platform overview. You will acquire a good understand of the phases in Communication Mining as we go over the platform with you. Topics covered:
• Communication Mining Overview
• Why is it important?
• How can it help today’s business and the benefits
• Phases in Communication Mining
• Demo on Platform overview
• Q/A
UiPath Test Automation using UiPath Test Suite series, part 5DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 5. In this session, we will cover CI/CD with devops.
Topics covered:
CI/CD with in UiPath
End-to-end overview of CI/CD pipeline with Azure devops
Speaker:
Lyndsey Byblow, Test Suite Sales Engineer @ UiPath, Inc.
UiPath Test Automation using UiPath Test Suite series, part 6DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 6. In this session, we will cover Test Automation with generative AI and Open AI.
UiPath Test Automation with generative AI and Open AI webinar offers an in-depth exploration of leveraging cutting-edge technologies for test automation within the UiPath platform. Attendees will delve into the integration of generative AI, a test automation solution, with Open AI advanced natural language processing capabilities.
Throughout the session, participants will discover how this synergy empowers testers to automate repetitive tasks, enhance testing accuracy, and expedite the software testing life cycle. Topics covered include the seamless integration process, practical use cases, and the benefits of harnessing AI-driven automation for UiPath testing initiatives. By attending this webinar, testers, and automation professionals can gain valuable insights into harnessing the power of AI to optimize their test automation workflows within the UiPath ecosystem, ultimately driving efficiency and quality in software development processes.
What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
LF Energy Webinar: Electrical Grid Modelling and Simulation Through PowSyBl -...DanBrown980551
Do you want to learn how to model and simulate an electrical network from scratch in under an hour?
Then welcome to this PowSyBl workshop, hosted by Rte, the French Transmission System Operator (TSO)!
During the webinar, you will discover the PowSyBl ecosystem as well as handle and study an electrical network through an interactive Python notebook.
PowSyBl is an open source project hosted by LF Energy, which offers a comprehensive set of features for electrical grid modelling and simulation. Among other advanced features, PowSyBl provides:
- A fully editable and extendable library for grid component modelling;
- Visualization tools to display your network;
- Grid simulation tools, such as power flows, security analyses (with or without remedial actions) and sensitivity analyses;
The framework is mostly written in Java, with a Python binding so that Python developers can access PowSyBl functionalities as well.
What you will learn during the webinar:
- For beginners: discover PowSyBl's functionalities through a quick general presentation and the notebook, without needing any expert coding skills;
- For advanced developers: master the skills to efficiently apply PowSyBl functionalities to your real-world scenarios.
Climate Impact of Software Testing at Nordic Testing DaysKari Kakkonen
My slides at Nordic Testing Days 6.6.2024
Climate impact / sustainability of software testing discussed on the talk. ICT and testing must carry their part of global responsibility to help with the climat warming. We can minimize the carbon footprint but we can also have a carbon handprint, a positive impact on the climate. Quality characteristics can be added with sustainability, and then measured continuously. Test environments can be used less, and in smaller scale and on demand. Test techniques can be used in optimizing or minimizing number of tests. Test automation can be used to speed up testing.
Essentials of Automations: The Art of Triggers and Actions in FMESafe Software
In this second installment of our Essentials of Automations webinar series, we’ll explore the landscape of triggers and actions, guiding you through the nuances of authoring and adapting workspaces for seamless automations. Gain an understanding of the full spectrum of triggers and actions available in FME, empowering you to enhance your workspaces for efficient automation.
We’ll kick things off by showcasing the most commonly used event-based triggers, introducing you to various automation workflows like manual triggers, schedules, directory watchers, and more. Plus, see how these elements play out in real scenarios.
Whether you’re tweaking your current setup or building from the ground up, this session will arm you with the tools and insights needed to transform your FME usage into a powerhouse of productivity. Join us to discover effective strategies that simplify complex processes, enhancing your productivity and transforming your data management practices with FME. Let’s turn complexity into clarity and make your workspaces work wonders!
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
Threats to mobile devices are more prevalent and increasing in scope and complexity. Users of mobile devices desire to take full advantage of the features
available on those devices, but many of the features provide convenience and capability but sacrifice security. This best practices guide outlines steps the users can take to better protect personal devices and information.
2. CFED is a nonprofit organization
that expands economic opportunity.
We work to ensure that every person can participate in,
contribute to, and benefit from the economy by bringing
together community practice, public policy, and private
markets.We identify promising ideas, test and refine
them in communities to find out what works, craft
policies and products to help good ideas reach scale, and
foster new markets to achieve greater economic impact.
Established in 1979 as the Corporation for Enterprise
NATIONAL OFFICE
Development, CFED works nationally and internationally
777 North Capitol Street, N.E., Suite 800
Washington, DC 20002
through its offices in Washington, DC; Durham, North 202.408.9788 I Fax: 202.408.9793
SOUTHERN OFFICE
Carolina; and San Francisco, California.
123 West Main Street, Suite 210
Durham, NC 27701
919.688.6444 I Fax: 919.688.6580
WESTERN OFFICE
353 Folsom Street
San Francisco, CA 94105
415.495.2333 I Fax: 415.495.7025
E-mail: info@cfed.org
Website: www.cfed.org
3. 2005: expand i ng our s cope and impa c t
LETTER FROM THE PRESIDENT
Dear Friends,
2005 was a year of growth in staff capacity and ambition, program and policy
impact, and partnerships. We see a growing movement arising from our 10
years of work to build assets for the poor as an enduring route out of
poverty. Exciting new directions are also springing from our work over two
decades on entrepreneurship as an economic development strategy.
CFED is privileged to work with the Ford Foundation and a set of
wonderful funders, and national and community partners on the Saving
for Education, Entrepreneurship, and Downpayment (SEED) Policy and
Practice Initiative. As we near the mid-point of this 10-year initiative, it is
thrilling to see over 1,000 children and families saving for their futures.
These pioneers are helping us to create the foundation for asset policies
for millions of Americans, star ting at birth.
CFED’s Assets and Opportunity Scorecard, the nation’s premiere assets
benchmarking tool, shows there is still much work to do: nearly one in five
American households owes more than it owns; for minority households, the
number is one in four. Using the Scorecard, CFED created five state partnerships
to advance policies to improve this picture for potentially millions of families.
In 2005, CFED created an unprecedented partnership with the Federal Reserve
System to host Innovations in Asset Building Policy, Products, and Programs, a series of forums across the country.
The forums—continuing into 2006—bring together leaders in economic policy, community development,
philanthropy, and the financial services industry to magnify and accelerate asset-building activities such as
homeownership, business ownership, savings, and investment with expanded engagement by private markets.
Working closely with the W.K. Kellogg Foundation, CFED is focusing on the implementation of emerging
entrepreneurship development systems. We believe these systems are an innovative approach to expanding
the pipeline of entrepreneurs while strengthening the performance of new and growing businesses. We
continue to advance legislation supporting entrepreneurship in disadvantaged communities while investigating
the role of the tax system in encouraging self-employed people to enter the mainstream economy.
The launch of I’M HOME—Innovations in Manufactured Homes marks CFED’s commitment to ensure that
the 10 million families who purchase manufactured homes reap benefits from their homeownership
comparable to buyers of site-built homes.This multi-year initiative has the potential to build wealth for
millions of low-income Americans through innovations in a sector that has long needed significant reform.
We offer special thanks and appreciation to the many partners to whom we owe our success this year.
Our mission of expanding economic opportunity is made possible only by working collaboratively with
those who share our vision and commitments.
All my best,
Andrea Levere
President
CFED
1
4. 2005 : ex p a n d i n g o u r s c o p e an d i m pact
LETTER FROM THE CHAIR OF THE BOARD
Dear Colleagues,
If there was one event in 2005 which, more than any other, underscored the
need for our work and the urgency of our calling, it was Hurricane Katrina.
When Katrina blew the roof off the Superdome, it also blew the roof off
of the face of asset poverty in the region, and, indeed, in the country as
a whole. The folks in that shelter, like the other tens of thousands
abandoned in shelters across the region, were there because they lacked
the transportation, savings, and financial and economic connections to
escape. They were economically vulnerable, unable to make the most
elementary investments in their own welfare and that of their children.
And they were overwhelmingly people of color.
Even before Katrina hit, the percentage of asset-poor people in the Delta
region—those who couldn’t weather three months without a job before
plunging into abject poverty—was among the highest in the nation,
nearing a quarter of the population. Among minorities, asset poverty ran
above 40%. Mississippi had the lowest number of households with savings
accounts of any state in the nation; Alabama was the next worst and
Louisiana ranked 44th. These states also had among the highest
bankruptcy rates and the lowest levels of household net worth.
Now, of course, the situation is worse; even those who had achieved a measure of economic
security have lost their homes, businesses, savings, and communities. The ensuing months have not
seen great progress on this front. But the fundamental truth is that before Katrina, in the Gulf and
in this richest of nations, most households lacked adequate financial assets to invest in themselves
and their children. The pre-existing weakness that doomed so many Gulf residents runs
underneath most of America. Given that our Federal government invests nearly $440 billion
annually in building personal assets, yet less than 5% of this sum serves the 60% of the population
on the lower end of incomes, it is clear : we need a national solution.
We remember Katrina. We rededicate ourselves to building the opportunity of Americans to
invest in themselves and their children. Specifically, we recommit to creating real opportunities for
saving, business, homeownership, and higher education to the 200-plus million Americans who do
not share equitably in our national and state asset budgets and policies. We believe that these
investments will not only enable the victims of Katrina to rise again, but also allow the rest of the
country to rebuild on higher ground.
Sincerely,
Robert Friedman
Chair of the Board
CFED
2
5. 2005: expand i ng our s cope and impa c t
PROGRAMS
2005: Expanding our scope
and our impact CFED continues to strengthen its
efforts to ensure that every person
G iven the national spotlight on the importance of ownership, the CFED Assets
and Opportunity Scorecard was released in 2005 out of a need to gain a
solid sense of where we stand.The second generation of 2002’s State Asset
can participate in, contribute to, and
benefit from the economy.
Development Report Card, the Scorecard measures the financial security of families in
the United States.The report looks beyond issues of income to the broader picture
of building ownership and protecting against financial setbacks.
Among the Scorecard’s key findings:
I Nearly one-in-five American households has zero or negative net worth, or “owes
more than it owns.” The figure is one-in-three for minority-headed households.
I For every dollar of net worth of a household headed by a male, female-headed
households have less than 40 cents. Minority families have only one-sixteenth the
net assets of white families.
As part of the Scorecard launch, CFED collaborated with state-level advocacy
organizations in Arkansas, California, Connecticut, Illinois, and Michigan to raise
awareness of the asset-building challenges and achievements in their states and identify
policy opportunities.
C FED, in partnership with the Community Affairs offices of the Federal Reserve System, launched Innovations
in Asset Building Policy, Products, and Programs—a new project to engage more Americans in
building savings and ownership. Through forums held across the country, the series is bringing together leaders in
economic policy, community development, philanthropy, and the financial services industry to advance their efforts to
promote and support asset-building activities such as homeownership, business ownership, savings, and investment.
The series kicked off on June 27 at the Federal Reserve Bank of San Francisco.This forum, which focused on state
and local policies and programs, drew more than 100 leaders in the asset-building field, including San Francisco
Mayor Gavin Newsom, who spoke about the city’s innovative Working Families Credit program.
The second forum of the series was held on December 8 at the Federal Reserve Bank of New York,
and focused on promising practices in the development and distribution of asset-building products
and programs. Innovations in Asset Building Policy, Products, and Programs will continue into 2006
with forums in Kansas City and Atlanta, and with coordinated efforts to foster research, policy
innovation, and effective financial products and services.
3
6. 2005 : ex p a n d i n g o u r s c o p e an d i m pact
PROGRAMS
Building Assets
In 2005 CFED made great strides in its work
to promote asset building for all Americans.
T he Saving for Education, Entrepreneurship, and
Downpayment (SEED) Policy and Practice
Initiative continues to set the stage for universal, progressive
American policy for asset building. Through this 10-year national
Individual Development Accounts (or IDAs)—the
initiative to develop, test, and impel matched savings accounts
matched savings accounts that enable low-income and financial education for children and youth, CFED brings
together national and community partners to design, administer,
American families to save, build assets, and enter the
and document specific aspects of children’s savings programs. By
financial mainstream—have been central to CFED’s the end of the year, 1,262 SEED accounts were open across all
12 of the initiative’s community and experimental sites.
asset-building strategy for more than a decade.
CFED made strong headway in its work with community partners
and the Center on Law and Social Policy to ensure that families with
SEED saver RaShanna Williams (right) makes a deposit to
her account with Linda Williams of the First Bank of the SEED accounts are protected from asset limits in state-administered public assistance
Delta in Helena, Arkansas. programs such as Temporary Assistance for Needy Families (TANF), Food Stamps, and
others. By year’s end, four states and one territory—Arkansas, Delaware, Illinois, Michigan,
and Puerto Rico—had agreed to the removal of asset limits for SEED accountholders.
2005 also saw the creation of new policy coalitions with state-level advocates in
Illinois, Kentucky, Michigan, and Oklahoma.These new SEED partners will work with
CFED and its national partners and advisors to develop state policies to create or
expand progressive savings opportunities for children. Included in this new effort are
I The Sargent Shriver National Center on Poverty Law and Voices for Illinois
Children, both based in Chicago;
I Kentucky’s Cradle to College Commission;
I The Community Economic Development Association of
Michigan; and
I The Community Action Project of Tulsa County, Oklahoma.
I n launching Expanding Native Opportunity: Native IDA
Initiative—a partnership with the Community Development
Financial Institutions (CDFI) Fund of the U.S. Department of
the Treasury, First Nations Development Institute, and First
Left to right: Sarah Dewees Nations Oweesta Corporation—CFED expanded the scope of
(First Nations Development its IDA work to significantly address the asset-building challenges
Institute), Barbara Roloff
(Umatilla Housing Authority) unique to Native communities. The initiative is a comprehensive
and Jennifer Malkin (CFED) at
the National American Indian
training and technical assistance program to help Native
Housing Council Annual communities design and implement IDAs.
Meeting, Anaheim, California.
4
7. With eight regional training institutes planned through
2007, CFED and its partners have begun to help Native Working for Change in Indian Country
CDFIs, tribes, or Native groups start-up, implement, and
Behind the myth that all Indians have
sustain IDAs in their communities. Institute participants
become rich from casinos is the stark
also have access to free, customized follow-up technical
reality that Native communities,
assistance to help implement IDAs in their communities.
particularly remote rural reservations, face
A dvocacy is key to CFED’s campaign to further the
availability of matched savings accounts for low-
income people. In 2005, CFED’s policy team worked to
the highest rates of persistent poverty and
unemployment in the country.
Led by a vibrant, emerging Native
increase congressional support for the Savings for
community development finance industry, numerous creative efforts are
Working Families Act (S.922 and H.R. 4751 and also
underway to reduce poverty and promote sustainable economic
incorporated into The CARE Act of 2005 [S.1780])—
development across Indian country. In 2005, CFED worked, in partnership
which would make IDAs available to 900,000 citizens and
with key Native advocacy organizations, to nurture these efforts, raise the
legal residents of the U.S. between the ages of 18 and 60.
profile of Native entrepreneurship nationally, and promote financial education
With Senators Rick Santorum (R-PA) and Joseph and asset building for Native communities.
Lieberman (D-CT), and Representatives Joseph Pitts (R-
Of particular note was the release of CFED’s groundbreaking research
PA) and Stephanie Tubbs Jones (D-OH) leading the
report on Native entrepreneurship in partnership with the National
effort, the bills would reimburse financial institutions for
Congress of American Indians (NCAI) and the launch of our on-going Native
the matching funds they provide up to $500 per
IDA Initiative—a partnership with First Nations Development Institute,
account per year for four years.The bills also include
Oweesta Corporation, and the CDFI Fund—to expand the number of
funding to help support financial education for
Native IDAs nationwide.
accountholders. President Bush has also proposed the
creation of this tax credit for IDAs in his budget. CFED’s mission of ensuring that everyone can participate in and benefit from
the economy goes unfulfilled without a strong investment in Indian country.
2006 Assets Learning Conference
CFED has already begun planning the 2006 Assets Learning Conference—A Lifetime of Assets:
Building Families, Communities & Economies. Formerly known as the IDA Learning Conference,
the name change reflects the field’s expanded scope.
Taking place in Phoenix, Arizona, September 19–21,
2006, the eighth biennial conference will explore an even
broader vision of asset building that engages a larger,
more diverse set of stakeholders from the public,
private, and nonprofit sectors.
The conference theme, A Lifetime of Assets, recognizes that assets
are important at every stage of life.
5
8. 2005 : ex p a n d i n g o u r s c o p e an d i m pact
PROGRAMS
Expanding Opportunity
CFED is always pursuing new ways
to help families and communities
In January, CFED, together with a host of partners,
launched I’M HOME—Innovations in
Manufactured Homes, an initiative designed to
help owners of manufactured homes, by some
forge pathways to financial security.
counts more than 10 million families in the United States.The initiative, with initial
funding by the Ford Foundation, aims to give owners of manufactured homes the
same opportunities to build wealth as those typically enjoyed by owners of site-built
housing.The multi-year program will address market gaps and policy issues related to
the ways the homes are sold, financed, and treated under the law.
In 2005, CFED committed more than $1.5 million in I’M HOME grants and contracts
to 15 community-level organizations around the country, working in rural, urban, and
suburban settings.Their work seeks to demonstrate positive, responsible, and
affordable uses of manufactured homes. CFED is also working with a growing array of
partners who are developing new financing products, working on policy issues and
consumer protections, and working for changes so that owners of these homes are
given the same safeguards and opportunities as owners of other homes. A second
round of I’M HOME grants will be awarded in 2006.
In 2005, the six grantees of the W.K. Kellogg Foundation Rural Entrepreneurship Development
Systems (EDS) Initiative began their work in earnest under the management of CFED.These grantees,
representing rural regions in Kentucky, Nebraska, New Mexico, North Carolina, Ohio, Oregon, South Dakota,
West Virginia, and Wyoming, began working toward
I Creating a pipeline of entrepreneurs by nurturing entrepreneurial aspirations in youth, identifying and supporting
potential entrepreneurs, and fostering an environment friendly to small businesses that attracts entrepreneurs;
I Implementing a system of support for all entrepreneurs; and
I Fostering a supportive policy and cultural environment of entrepreneurship within the public, private,
and non-profit sectors.
The goal in implementing an EDS is the transformation of a region—transformation of both the culture and practice of
community economic development to create a viable, sustainable rural region.The EDS becomes the mechanism for
achieving this goal. CFED’s work on the W.K. Kellogg Foundation Rural EDS Initiative will continue through 2008.
W ith generous support from the Annie E. Casey Foundation, CFED launched the Self-
Employment Tax Initiative (SETI) in 2005 to explore the relationship between self-
employment and federal and state tax policies.Through our initial SETI research, CFED has
already discovered that 4.4 million self-employed businesses—nearly 25% of all formal self-
employed businesses—received the Earned Income Tax Credit (EITC) in 2002.This
6
9. means the EITC program serves 25 times more self-employed households than the entire national
network of microenterprise programs, making it the largest support currently available to
microentrepreneurs.
Plans for SETI include exploring new partnerships and products that would utilize the tax code as a
delivery system. New partnerships could include working with the national network of community-
based free tax-preparation programs to help them better serve self-employed households. New
product development may include working with microenterprise programs to adopt tax
preparation as a portal product for attracting new startup self-employed businesses.
In 2005, CFED made awards to eight State Microenterprise Associations (SMAs)—in
California, Maine, Michigan, Mississippi, Nebraska, New York, Oregon, and Vermont—to build their
organizational development and policy advocacy capacity.The goal of CFED’s ongoing SMA work is
to organize practitioners at the state level so that they can influence state microenterprise policy
and raise the capacity of their member organizations to deliver effective microenterprise services.
In addition to awarding funding, in partnership with the Association for Enterprise Opportunity,
CFED continued to provide significant training, technical assistance, materials, and peer exchange
opportunities to the full network of SMAs.
Bill Schweke – Defender of Justice
On October 27, the North Carolina Justice and Community Development Center
named CFED Vice President Bill Schweke (below, center) its 2005 Defender of
Justice in the area of Policy Research and Advocacy. He was one of five North
Carolinians honored for their work to fight poverty on behalf of all state citizens.
Bill’s work in 2005 reflects his continued commitment to North Carolina’s residents.
As part of a blue-ribbon dislocated worker advisory committee, Bill and his
colleagues released a 10-point action agenda called Gaining a Foothold: An Action
Agenda to Aide North Carolina’s Dislocated Workers. Among other steps, the report
called for the North Carolina General Assembly to expand access to worker
training programs, increase support services for laid-off workers and their families,
and simplify and improve access to those services currently available to workers.
Additionally, Bill worked with North Carolina State Representative Jennifer
Weiss to sponsor legislation that would require the North Carolina
Department of Commerce to
disclose the kind and amount of
business incentives that they are
awarding or negotiating. The bill
became law in September.
Bill Schweke (center) with CFED
colleagues (left to right) Carl Rist,
Liana Humphrey, Cecelia Cuthbert,
and Will Lambe.
7
10. 2005 : ex p a n d i n g o u r s c o p e an d i m pact
SUPPORTERS
CFED expresses many grateful thanks to its supporters.
Institutions:
Annie E. Casey Foundation
Appalachian Regional Commission
Charles and Helen Schwab Foundation
Charles Stewart Mott Foundation
Citigroup
Citigroup Foundation
Clarity USA, Inc.
Community Development Financial Institutions Fund
Edwin Gould Foundation for Children
Eleanor Friedman Fund of The San Francisco Foundation Individuals:
Enterprise Corporation of the Delta
Evelyn and Walter Haas, Jr. Fund Diane Aboulafia-D’Jaen
Ewing Marion Kauffman Foundation Joseph Azrack
F.B. Heron Foundation Barbara and Gerson Bakar
Fannie Mae Foundation Victoria and Hank Bjorklund
Faultline Foundation Michael Bodaken and Fran Bernstein
Ford Foundation William Coblentz
Friedman Family Fund of The San Francisco Foundation Elizabeth Colton
Friedman-Cohen Fund of The Friedman Family Foundation David Dodson
Friedman/Kiehl Fund of The San Francisco Community Denise Durham Williams
Foundation Roy and Elizabeth Haas Eisenhardt
Gerson and Barbara Bakar Philanthropic Fund of The Wayne and Leslee Feinstein
Jewish Community Endowment Fund Daniel and Patricia Lowy Frank
House Appropriations Committee, Commonwealth of Eleanor Friedman and Jonathan Cohen
Pennsylvania Robert Friedman and Kristina Kiehl
Jessie Ball duPont Fund David Friedman and Paulette Meyer
Jim Casey Youth Opportunities Initiative Phyllis Friedman
Joanne and Peter Haas, Jr. Fund of The San Francisco Fred and Wendy Goldberg
Foundation Ronald and Audrey Grzywinski
John and Marcia Goldman Philanthropic Fund of The Robert Haas
Jewish Community Endowment Fund Joanne and Peter E. Haas, Jr.
John D. and Catherine T. MacArthur Foundation Deborah Helfeld and Rich Coughlan
JPMorgan Chase Foundation Michael Hall Kieschnick
Levi Strauss Foundation Kevin Koebel
Lia Fund of Triangle Community Foundation Ellen Lazar
National Community Capital Association Andrea Levere and Michael Mazerov
North Carolina Rural Economic Development Center, Inc. Steven D. Levere and Patricia Sue Plumer
Northwest Area Foundation Katharine McKee
Peninsula Community Foundation Maurice Lim Miller
The Philanthropic Collaborative Nancy Meyer and Marc Weiss
Richard and Rhoda Goldman Fund Kevin and Mary Murphy
Schwab Fund for Charitable Giving Torod Neptune
The Sycamore Fund at Peninsula Community Foundation Chris and Janet Page
Theodore R. and Vivian M. Johnson Scholarship Chuck and Nancy Parrish
Foundation, Inc. Sally Paynter
United Way of America Karsten and Carol Rist
W.K. Kellogg Foundation Charles and Heather Muench Sandel
Wachovia Foundation Margaret Siegel
Walter and Elise Haas Fund Cheryl and Mark Silver
Washington Area Women’s Foundation Jill Storey and Richard Fisher
William Penn Foundation Marilyn and Murray Waldman
William Randolph Hearst Foundation Stanley and Muriel Casper Weithorn
Z. Smith Reynolds Foundation Grace and Ronald Young
8
11. FINANCIALS
Combined Schedule of Financial Position
2005 Statement of Activities as of December 31, 2005
Assets
Sources of Funds Cash and Cash Equivalents $ 9,746,455
Grants and Contributions $ 12,322,190 Investments 4,822,861
Government Contracts Accounts Receivable 396,392
and Service Fees 521,766 Grants Receivable 674,810
Other Income 365,888 Prepaid Expenses 21,773
Total 13,209,844 Fixed Assets, Net of Accumulated Depreciation 230,430
Deposit 2,242
Uses of Funds Total Assets $ 15,894,963
Applied Research and Innovation 2,890,145 Liabilities
Field Development 1,525,068
Policy 535,615 Accounts Payable and Accrued Expenses $ 475,866
SEED 2,775,345 Grants Payable 631,620
Total Programs 7,726,173 Incentives Payable 542,540
Total Liabilities 1,650,026
Fundraising 235,265
Management and General 341,415 Net Assets
Total Expenses 8,302,853 Unrestricted 1,588,104
Temporarily Restricted 10,656,833
Change in Net Assets 4,906,991
Permanently Restricted 2,000,000
Net Assets, Beginning of Year 9,337,946
Net Assets, End of Year $ 14,244,937 Total Net Assets 14,244,937
Total Liabilities and Net Assets $ 15,894,963
Sources of Funds Uses of Funds
4% Government
Contracts and 93% Programs
Service Fees
3% Other Income
4% Management
and General
93% Grants and
Contributions
3% Fundraising
A complete copy of the independent auditor’s report is available upon request.
9
12. 2005 : ex p a n d i n g o u r s c o p e an d i m pact
S TA F F A N D B O A R D
Left to right: Elsie Meeks,
Executive Director, First Nations 2005 Staff Listing
Oweesta Corporation; and
Jennifer Malkin, Senior Program (as of December 31, 2005)
Manager, CFED.
Left to right: Carl Rist, Director, Fiona Adams, Senior Communications Manager
SEED, CFED; Jemel Jones, SEED Andre Alexander, CFO & COO
accountholder; Patricia Jones,
Jemel’s mother; Liana Humphrey, Emily Appel, Program Associate
Program Manager, CFED. Sam Bishop, Writer
Jennifer Brooks, Policy Director
Dave Buchholz, Director, Applied Research & Innovation
Cecilia Cuthbert, Program Manager
Robert Friedman, Chair
Kathryn Goulding, Program Manager
Meredith Graham, Director of Finance
Liana Humphrey, Program Manager
Janet Jones, Office Manager
Kevin Keeley, Policy Associate
Kristin Lawton, Communications Specialist
Andrea Levere, President
Anne Li, Development Director
Michael Liburd, Budget/Financial Analyst
Jennifer Malkin, Senior Program Manager
Deborah Manley, Human Resources Manager
Genevieve Melford, Program Associate
Paul Newby, Systems Administrator
Kim Pate, Director, Field Development
Carl Rist, Director, SEED
Julie Rochester, Executive Assistant
Bill Schweke, Vice President, Learning and Innovation
Kim Pate, Director, Field
Anna Smith, Accounting Technician
Development, CFED
Michael Torrens, Senior Program Manager
Left to right: Andrea
Levere, President, CFED; Jerome Uher, Director of Communications
with Beadsie Woo, Senior Rochelle Watson, Senior Program Manager
Economist, CFED.
Carol Wayman, Senior Legislative Director
Kathryn Whitfield, Receptionist
Beadsie Woo, Senior Economist
Nicola Wood, Development Associate
Michael Torrens, Senior
Program Manager, CFED
10
13. Board of Directors
(as of December 31, 2005, affiliation shown for identification only) AUDIT COMMITTEE
Ronald Grzywinski
Robert Friedman (Chair), General Counsel, CFED, Kate McKee
San Francisco, California
Angela Glover Blackwell, CEO, PolicyLink, COMMUNICATIONS & MARKETING
Oakland, California COMMITTEE
Torod Neptune (Chair)
David Dodson, President, MDC, Inc.,
Andrea Levere
Chapel Hill, North Carolina
Chuck Parrish
Denise Durham Williams, National Director, Community Denise Durham Williams
Relations, Citibank N.A., Long Island City, New York
Fred Goldberg, Partner, Skadden, Arps, Slate, Meagher FINANCE COMMITTEE
& Flom LLP, Washington, D.C. Ronald Grzywinski (Chair)
Robert Friedman
Ronald Grzywinski, Chairman, ShoreBank Corporation,
Andrea Levere
Chicago, Illinois
Elsie Meeks
Ellen Lazar, Senior Vice President, Fannie Mae Foundation, Chuck Parrish
Washington, D.C.
Andrea Levere, President, CFED, Washington, D.C. HUMAN RESOURCES COMMITTEE
Grace Young (Chair)
Elsie Meeks, Executive Director, First Nations Oweesta
Andrea Levere
Corporation, Rapid City, South Dakota
Kate McKee
Maurice Lim Miller, Director, Family Independence Initiative, Mary Mountcastle
Oakland, California
Mary Mountcastle, President, Z. Smith Reynolds RESOURCE DEVELOPMENT COMMITTEE
Foundation, Winston-Salem, North Carolina Chris Page (Chair)
David Dodson
Torod Neptune, Senior Vice President, Waggener
Robert Friedman
Edstrom Strategic Communications, Washington, D.C.
Ellen Lazar
Chris Page, Program Officer, Rockefeller Philanthropy Andrea Levere
Advisors, New York, New York Mark Constantine*
Chuck Parrish, San Francisco, California Margaret A. Siegel*
Grace Young, President, CTC Public Benefit Corporation,
* Not a CFED Board member
Camden, South Carolina
Kate McKee, (ex officio), Director of Microenterprise
Development, U.S. Agency for International
Development, Washington, D.C.
11
14. 2005 : ex p a n d i n g o u r s c o p e an d i m pact
CREDITS
Back row, from right: Andrea Levere (President, CFED), Carl Rist (Director, SEED, CFED), Frank
DeGiovanni (Director of Economic Development, Ford Foundation), and Bob Friedman (Board
Chair, CFED) in San Francisco with members from SEED community partner, Juma Ventures.
EDITOR: Sam Bishop, CFED
PHOTOGRAPHY: GTodd Photography (pages 1; 4, bottom left; 10, bottom); Will Kerner Photography (pages 2;
8, top left and top right; 11, top innermost left; 12, left); Mindy Maupin, Southern Good Faith
Fund (page 4, top left); Jennifer Malkin, CFED (pages 5, top right; 11, top right); Manufactured
Housing Institute (page 6, top left); Stewart Sarkozy-Banoczy, First Nations Oweesta
Corporation (pages 7, top right photos; 8, bottom left); Jim Meeks (page 10, top); Fiona
Adams, CFED (page 10, second from top); Kristin Lawton, CFED (page 10, second row from
bottom, left and right); Jeremy Harris Photography (page 12, bottom right).
DESIGN/PRODUCTION: Mike Heffner, 202design
PRINTING: Peake | Delancey Printing
12
15.
16. 777 North Capitol Street, N.E., Suite 800
Washington, DC 20002
202.408.9788 I Fax: 202.408.9793
www.cfed.org