Jennifer Brooks, CFED, Director of State & Local Policy
Ms. Brooks is an author of the annual Assets & Opportunity Scorecard—a state-by-state assessment of how families are faring and the strength of state policies. She also leads the Assets & Opportunity Network, which is a movement-oriented group of advocates, practitioners, policymakers and others working to expand the reach and deepen the impact of asset-based strategies.
This document discusses strategic planning and value maximization for financial advisers beyond the year 2020. It addresses the adviser lifecycle and different value maximization strategies, including internal succession planning, external sale of the business, and strategic acquisitions. The final paragraphs discuss doing no planning or having no strategy.
The document discusses planning considerations related to death benefits in superannuation beyond the year 2020. Key points include:
- Death benefits will always remain in the superannuation system as death benefits and cannot convert to member benefits. They can only be taken as a lump sum or pension.
- Having a reversionary pension or beneficiary nomination are preferable to ensure payments continue and are not subject to the estate. However, a reversionary takes precedence over a binding nomination for a pension.
- Planning objectives include trying to die in pension phase to maximize amounts that can remain in super, as well as potentially utilizing a child pension to provide a modified transfer balance cap for beneficiaries.
The portfolio currently holds 133 active loans totaling $139.5 million, secured by $241.8 million in collateral. 155 loans have been repaid totaling $83.1 million, secured by $143.3 million in collateral. The fund provides short-term, first position loans for real estate projects in the Pacific Northwest, with an average loan size of $1 million at 58% loan-to-value. Prospective investors should review the risks associated with this type of investment including potential loss of principal.
This document discusses factors that determine how prepared households are for retirement. It introduces the Putnam Lifetime Income Score (LIS), which estimates the percentage of pre-retirement income a household is likely to replace during retirement. The document then outlines three key characteristics of households most prepared for retirement according to their LIS: having access to an employer retirement plan, saving at least 10% of income, and working with a financial advisor. It also notes the importance of planning for healthcare costs in retirement.
This is the inaugural issue of our newsletter. We at Seeman advisors thank you all for your trust & belief in our services.This new endeveour will help us in terms of better communications with ours customers.
Sample Comprehensive Personal Financial Plan Created in Excel based Personal ...Satish Mistry
Sample Comprehensive Personal Financial Plan in Excel with Entire Life Cash Flow, Child Future Planning, Future Need & Dream Planning, Retirement Planning, Investment Planning, Investment Analysis, Portfolio Rebalancing, All Life Insurance Policy Analysis including LIC's Plan, IRR Calculation, Mutual Fund Porttfolio Analysis, Mutual Fund Portfolio Rebalancing, Practical Asset Allocation with Scheme Removal / Addition. Also seek possibilities of early retirement. Income Tax Planning with Net Taxation Ratio on your Income. Instant Generated Financial Plan in Excel with Real time value of your all Financial Investment ( In Indian Context). If uou need more info, kindly mail me.
Human Resources Perspective: A Survey of Larger 401(k) PlansT. Rowe Price
The study reveals the views of human resources and benefits professionals administering 401(k) plans with assets of $100 million to over $1 billion. It took place in late 2016 and is based on telephone and online surveys of a nationally representative sample of 269 executives.
Personal Financial Plan for Prittchet3docxKeise Larson
The document provides a personal financial plan for Jeremy and Gina Delgado-Pritchett that was prepared by FundVest Financial Advisors, including an analysis of their current financial situation, goals, expenses, assets, debts, cash flows, and recommendations for paying off debts, refinancing their mortgage, and ensuring adequate retirement savings and protection. It examines their net worth, spending habits, various debt ratios, and proposes using a PowerPay technique to more quickly pay down their existing debts.
This document discusses strategic planning and value maximization for financial advisers beyond the year 2020. It addresses the adviser lifecycle and different value maximization strategies, including internal succession planning, external sale of the business, and strategic acquisitions. The final paragraphs discuss doing no planning or having no strategy.
The document discusses planning considerations related to death benefits in superannuation beyond the year 2020. Key points include:
- Death benefits will always remain in the superannuation system as death benefits and cannot convert to member benefits. They can only be taken as a lump sum or pension.
- Having a reversionary pension or beneficiary nomination are preferable to ensure payments continue and are not subject to the estate. However, a reversionary takes precedence over a binding nomination for a pension.
- Planning objectives include trying to die in pension phase to maximize amounts that can remain in super, as well as potentially utilizing a child pension to provide a modified transfer balance cap for beneficiaries.
The portfolio currently holds 133 active loans totaling $139.5 million, secured by $241.8 million in collateral. 155 loans have been repaid totaling $83.1 million, secured by $143.3 million in collateral. The fund provides short-term, first position loans for real estate projects in the Pacific Northwest, with an average loan size of $1 million at 58% loan-to-value. Prospective investors should review the risks associated with this type of investment including potential loss of principal.
This document discusses factors that determine how prepared households are for retirement. It introduces the Putnam Lifetime Income Score (LIS), which estimates the percentage of pre-retirement income a household is likely to replace during retirement. The document then outlines three key characteristics of households most prepared for retirement according to their LIS: having access to an employer retirement plan, saving at least 10% of income, and working with a financial advisor. It also notes the importance of planning for healthcare costs in retirement.
This is the inaugural issue of our newsletter. We at Seeman advisors thank you all for your trust & belief in our services.This new endeveour will help us in terms of better communications with ours customers.
Sample Comprehensive Personal Financial Plan Created in Excel based Personal ...Satish Mistry
Sample Comprehensive Personal Financial Plan in Excel with Entire Life Cash Flow, Child Future Planning, Future Need & Dream Planning, Retirement Planning, Investment Planning, Investment Analysis, Portfolio Rebalancing, All Life Insurance Policy Analysis including LIC's Plan, IRR Calculation, Mutual Fund Porttfolio Analysis, Mutual Fund Portfolio Rebalancing, Practical Asset Allocation with Scheme Removal / Addition. Also seek possibilities of early retirement. Income Tax Planning with Net Taxation Ratio on your Income. Instant Generated Financial Plan in Excel with Real time value of your all Financial Investment ( In Indian Context). If uou need more info, kindly mail me.
Human Resources Perspective: A Survey of Larger 401(k) PlansT. Rowe Price
The study reveals the views of human resources and benefits professionals administering 401(k) plans with assets of $100 million to over $1 billion. It took place in late 2016 and is based on telephone and online surveys of a nationally representative sample of 269 executives.
Personal Financial Plan for Prittchet3docxKeise Larson
The document provides a personal financial plan for Jeremy and Gina Delgado-Pritchett that was prepared by FundVest Financial Advisors, including an analysis of their current financial situation, goals, expenses, assets, debts, cash flows, and recommendations for paying off debts, refinancing their mortgage, and ensuring adequate retirement savings and protection. It examines their net worth, spending habits, various debt ratios, and proposes using a PowerPay technique to more quickly pay down their existing debts.
Sample financial planning recommendation from citidellGregory Atoko
This is how we do financial planning recommendations at Citidell. Treat yourself to this good service. It can very easily be one of your best decisions of the year.
This document is Mohammed Saud Alshiban's personal financial plan. It includes assumptions about his income, assets, and goals. It provides analyses of his current balance sheet, income statement, asset allocation, credit card options, investment funds, home purchase, taxes, and insurance coverage. The plan outlines Mohammed's short-term goals within 5 years and longer-term goals within 10-20 years, such as paying off his mortgage, investing in a business and beach property, and family trips.
Financial Literacy Flipchart for Jan Dhan YojnaUtkarsh Shukla
The document discusses various reasons for saving money and the benefits of using a bank account. It notes that savings are important for future needs, emergencies, large expenses, and securing money from loss or theft keeping it at home. Having a bank account allows deposits to earn interest, creates credit eligibility, and provides secure access to loans, remittances and banking services through various channels including ATMs, internet and mobile banking. Key banking products like savings accounts, fixed deposits, loans and insurance are also summarized.
In this presentation we will deal with the “Concept of Investment” and further discuss the purpose, speculation and strategies to be followed while investing.
To know more about Welingkar School’s Distance Learning Program and courses offered, visit:
http://www.welingkaronline.org/distance-learning/online-mba.html
The document is a personal financial plan dated 2008 for James, Jill, and Jane. It includes an executive summary that outlines recommendations for cash flow management, risk management/insurance, retirement planning, investment planning, estate planning, and tax planning. The plan seeks to increase their annual surplus, ensure full family protection through insurance, accumulate sufficient retirement funds, improve investment returns, securely pass on assets, and maximize tax savings. It also includes sections on goals and objectives, personal details, and current financial situation.
This document provides information about immediate fixed income annuities as a way to guarantee income for life after retirement. It discusses factors like life expectancy, the risks of outliving savings, and how annuities provide guaranteed lifetime income through payout options like life only or joint-survivor. The document also covers taxation implications and factors to consider when evaluating different annuity products and insurance companies.
- Pension plans face a major mystery in accurately valuing their assets and liabilities given uncertainties around future market returns, inflation, and other economic factors.
- They estimate future returns, called the expected rate of return, to smooth out market volatility but these estimates are often unrealistic and do not reflect the global bond bubble.
- With most pension plans already running deficits, an accurate expected rate of return that incorporates the risks of the bond bubble popping could show significantly larger deficits than currently reported and require greater employer contributions.
1) While energy prices have recovered somewhat over the past year, they remain below levels needed for oil producers to drill profitable wells.
2) Declining oil prices have dampened investor sentiment about oil-exporting emerging markets and could lead to increased financial market volatility.
3) However, lower oil prices also provide an opportunity to reform oil-reliant economies and diversify them.
4) Oil prices are projected to recover from current lows but remain below recent peaks, with ongoing volatility expected depending on supply and demand adjustments.
This document discusses life insurance in India. It notes that LIC dominates the life insurance industry with over $310 billion in assets, while the total size of the insurance industry is $400 billion. It outlines that there are now 23 private sector life insurance companies competing with LIC. The document also discusses some challenges for LIC, such as prioritizing policyholder interests over shareholders if it goes public, which may make it less attractive to investors.
This newsletter will provide you the educative stuffs and motivating stories to help you in taking informed investment decisions. This is private circulation by KCI Moneyline
This document summarizes a presentation about navigating changes in the UK pensions landscape. It discusses challenges like an aging population, workforce changes, and the increased freedom of choice in retirement planning. It also presents frameworks to help structure retirement income and transition people toward their retirement goals. These include target retirement funds, a smart path approach, and considering advisory or master trust solutions. The overall message is that pension schemes require strategic approaches to efficiently help members in this new era of change and freedom.
The document discusses whether the bull run in the stock market will continue after the recent Union Budget 2021. It notes that experts say long-term equity investors cannot lose, as the Nifty index has risen significantly since last April. Now, with the budget session over, investors are wondering if this bull run will sustain or if there are any negative signs. The article also summarizes some announcements made in the budget related to infrastructure spending that could boost corporate earnings.
The document provides information and templates for setting up personal financial plans, including balance sheets, cash flow statements, budgets, and goal setting. It includes templates for comparing savings plans, creating a personal balance sheet, cash flow statement, budget, and setting financial goals. Websites and apps are suggested for gathering additional information.
The document is a newsletter from an investment advisory firm called Just Invest Online. It provides updates on the stock market and economy. It advises readers that if they are invested in good businesses through diversified equity funds, they should remain confident and hold during volatility. It also discusses how life expectancy has increased in India, meaning people need to save more for longer retirements. It profiles a woman who started a SIP in 2007 and saw her investment grow over 13 years to nearly 10 times her total contributions, demonstrating the power of long-term investing and remaining invested during downturns.
Doorways to Dreams Fund works to improve financial security for vulnerable consumers. They have pioneered prize-linked savings programs which reward savings deposits with prizes. These programs increase savings by appealing to consumers' interests in games and prizes. Studies show that over 50,000 unique accounts have been opened through prize-linked savings, with most savers being low-to-moderate income or non-savers previously. For credit unions, prize-linked savings programs increase customer loyalty, reach new markets, and position them as innovative leaders, helping to increase overall product use.
Critical Financial Literacy and Public PolicyNicole Newman
We will share info and resources about the ItAG sessions and continuing actions to build a curriculum that brings a critical approach to teaching financial literacy. We will not use comparison methods as a means of measurement. We will use language that empowers rather than destroys. We will use multiple meausrement tools for wealth.
This document provides information about financial planning services offered by World Financial Group (WFG). WFG associates assess clients' unique needs and goals to help them work toward a more secure financial future. WFG offers a broad range of products like life insurance, annuities, investment funds, and retirement accounts from multiple providers. The document discusses challenges to financial security like debt, college costs, retirement and health care savings shortfalls, and inflation. It promotes the benefits of a customized financial needs analysis from WFG to address these challenges through strategies like debt management, emergency savings, asset accumulation, and proper insurance protection.
Monthly newsletter by seeman distributors February editionAshis Kumar Dey
This newsletter article discusses the market outlook after the Indian Union Budget 2021. It provides perspectives from multiple equity market experts. They believe the increased fiscal spending on infrastructure will help boost corporate earnings and the overall economy. Sectors like power, utilities and construction materials are expected to benefit. The electric vehicle and agriculture technology sectors also present opportunities. Investors are advised to adopt a balanced approach through diversified mutual funds and stay invested in equities for long-term gains.
Shipra finance will the bull run continue in equity market-feb-21Binod Shukla
If you are a long-term
investor in the stock market, you can’t possibly lose”. Those
watching the NIFTY’s dizzying rise since March 2020, will find it hard to
disagree. From almost 7500 in April 2020, the NIFTY index has soared to
around 14,000 in January, 2021. It has not been a smooth ride during
COVID crisis, but if you had the stomach to hang on to the equities, you
would have ended up with an annual return over 14% and around 80%
from its bottom
Sample financial planning recommendation from citidellGregory Atoko
This is how we do financial planning recommendations at Citidell. Treat yourself to this good service. It can very easily be one of your best decisions of the year.
This document is Mohammed Saud Alshiban's personal financial plan. It includes assumptions about his income, assets, and goals. It provides analyses of his current balance sheet, income statement, asset allocation, credit card options, investment funds, home purchase, taxes, and insurance coverage. The plan outlines Mohammed's short-term goals within 5 years and longer-term goals within 10-20 years, such as paying off his mortgage, investing in a business and beach property, and family trips.
Financial Literacy Flipchart for Jan Dhan YojnaUtkarsh Shukla
The document discusses various reasons for saving money and the benefits of using a bank account. It notes that savings are important for future needs, emergencies, large expenses, and securing money from loss or theft keeping it at home. Having a bank account allows deposits to earn interest, creates credit eligibility, and provides secure access to loans, remittances and banking services through various channels including ATMs, internet and mobile banking. Key banking products like savings accounts, fixed deposits, loans and insurance are also summarized.
In this presentation we will deal with the “Concept of Investment” and further discuss the purpose, speculation and strategies to be followed while investing.
To know more about Welingkar School’s Distance Learning Program and courses offered, visit:
http://www.welingkaronline.org/distance-learning/online-mba.html
The document is a personal financial plan dated 2008 for James, Jill, and Jane. It includes an executive summary that outlines recommendations for cash flow management, risk management/insurance, retirement planning, investment planning, estate planning, and tax planning. The plan seeks to increase their annual surplus, ensure full family protection through insurance, accumulate sufficient retirement funds, improve investment returns, securely pass on assets, and maximize tax savings. It also includes sections on goals and objectives, personal details, and current financial situation.
This document provides information about immediate fixed income annuities as a way to guarantee income for life after retirement. It discusses factors like life expectancy, the risks of outliving savings, and how annuities provide guaranteed lifetime income through payout options like life only or joint-survivor. The document also covers taxation implications and factors to consider when evaluating different annuity products and insurance companies.
- Pension plans face a major mystery in accurately valuing their assets and liabilities given uncertainties around future market returns, inflation, and other economic factors.
- They estimate future returns, called the expected rate of return, to smooth out market volatility but these estimates are often unrealistic and do not reflect the global bond bubble.
- With most pension plans already running deficits, an accurate expected rate of return that incorporates the risks of the bond bubble popping could show significantly larger deficits than currently reported and require greater employer contributions.
1) While energy prices have recovered somewhat over the past year, they remain below levels needed for oil producers to drill profitable wells.
2) Declining oil prices have dampened investor sentiment about oil-exporting emerging markets and could lead to increased financial market volatility.
3) However, lower oil prices also provide an opportunity to reform oil-reliant economies and diversify them.
4) Oil prices are projected to recover from current lows but remain below recent peaks, with ongoing volatility expected depending on supply and demand adjustments.
This document discusses life insurance in India. It notes that LIC dominates the life insurance industry with over $310 billion in assets, while the total size of the insurance industry is $400 billion. It outlines that there are now 23 private sector life insurance companies competing with LIC. The document also discusses some challenges for LIC, such as prioritizing policyholder interests over shareholders if it goes public, which may make it less attractive to investors.
This newsletter will provide you the educative stuffs and motivating stories to help you in taking informed investment decisions. This is private circulation by KCI Moneyline
This document summarizes a presentation about navigating changes in the UK pensions landscape. It discusses challenges like an aging population, workforce changes, and the increased freedom of choice in retirement planning. It also presents frameworks to help structure retirement income and transition people toward their retirement goals. These include target retirement funds, a smart path approach, and considering advisory or master trust solutions. The overall message is that pension schemes require strategic approaches to efficiently help members in this new era of change and freedom.
The document discusses whether the bull run in the stock market will continue after the recent Union Budget 2021. It notes that experts say long-term equity investors cannot lose, as the Nifty index has risen significantly since last April. Now, with the budget session over, investors are wondering if this bull run will sustain or if there are any negative signs. The article also summarizes some announcements made in the budget related to infrastructure spending that could boost corporate earnings.
The document provides information and templates for setting up personal financial plans, including balance sheets, cash flow statements, budgets, and goal setting. It includes templates for comparing savings plans, creating a personal balance sheet, cash flow statement, budget, and setting financial goals. Websites and apps are suggested for gathering additional information.
The document is a newsletter from an investment advisory firm called Just Invest Online. It provides updates on the stock market and economy. It advises readers that if they are invested in good businesses through diversified equity funds, they should remain confident and hold during volatility. It also discusses how life expectancy has increased in India, meaning people need to save more for longer retirements. It profiles a woman who started a SIP in 2007 and saw her investment grow over 13 years to nearly 10 times her total contributions, demonstrating the power of long-term investing and remaining invested during downturns.
Doorways to Dreams Fund works to improve financial security for vulnerable consumers. They have pioneered prize-linked savings programs which reward savings deposits with prizes. These programs increase savings by appealing to consumers' interests in games and prizes. Studies show that over 50,000 unique accounts have been opened through prize-linked savings, with most savers being low-to-moderate income or non-savers previously. For credit unions, prize-linked savings programs increase customer loyalty, reach new markets, and position them as innovative leaders, helping to increase overall product use.
Critical Financial Literacy and Public PolicyNicole Newman
We will share info and resources about the ItAG sessions and continuing actions to build a curriculum that brings a critical approach to teaching financial literacy. We will not use comparison methods as a means of measurement. We will use language that empowers rather than destroys. We will use multiple meausrement tools for wealth.
This document provides information about financial planning services offered by World Financial Group (WFG). WFG associates assess clients' unique needs and goals to help them work toward a more secure financial future. WFG offers a broad range of products like life insurance, annuities, investment funds, and retirement accounts from multiple providers. The document discusses challenges to financial security like debt, college costs, retirement and health care savings shortfalls, and inflation. It promotes the benefits of a customized financial needs analysis from WFG to address these challenges through strategies like debt management, emergency savings, asset accumulation, and proper insurance protection.
Monthly newsletter by seeman distributors February editionAshis Kumar Dey
This newsletter article discusses the market outlook after the Indian Union Budget 2021. It provides perspectives from multiple equity market experts. They believe the increased fiscal spending on infrastructure will help boost corporate earnings and the overall economy. Sectors like power, utilities and construction materials are expected to benefit. The electric vehicle and agriculture technology sectors also present opportunities. Investors are advised to adopt a balanced approach through diversified mutual funds and stay invested in equities for long-term gains.
Shipra finance will the bull run continue in equity market-feb-21Binod Shukla
If you are a long-term
investor in the stock market, you can’t possibly lose”. Those
watching the NIFTY’s dizzying rise since March 2020, will find it hard to
disagree. From almost 7500 in April 2020, the NIFTY index has soared to
around 14,000 in January, 2021. It has not been a smooth ride during
COVID crisis, but if you had the stomach to hang on to the equities, you
would have ended up with an annual return over 14% and around 80%
from its bottom
This document discusses strategies for achieving financial goals through proper financial planning. It notes that many life goals like funding education, home ownership, or retirement require a sound financial strategy. The document then discusses services offered through World Financial Group (WFG) to help individuals assess their needs and create a customized plan. Key services and products mentioned include assessing cash flow, managing expenses, debt reduction, life insurance, retirement planning, and investment options. The overall message is that taking control of finances now through working with WFG can help achieve future dreams and goals.
1) A reader asks about tax implications and options for accessing their retirement annuity funds if they have lived in Canada for 15 years but maintain South African citizenship. The adviser says formally emigrating would allow access but funds would be taxed.
2) Another reader asks if they can rely on illustrated maturity values for their retirement annuity. The adviser says they are guidelines only and actual returns depend on underlying fund performance and fees.
3) A third reader was incorrectly listed as being in debt review on their credit report after receiving a clearance certificate. The article provides steps for disputing inaccurate credit bureau information.
Gary Trennepohl presents "Financial Markets in 2014: Story Projects" during the Reynolds Center for Business Journalism's annual Business Journalism Week, Jan. 5, 2014. Trennepohl is the ONEOK Chair of Finance at Oklahoma State University.
The annual event features two concurrent seminars, Business Journalism Professors and Strictly Financials for journalists.
For more information about business journalism training, please visit http://businessjournalism.org.
This is a presentation created by Global Financial Disrtibutors (GFD) and used by permission. This presentation explains Leveraged Planning Solutions and who they are good for.
Presented by Michael E Winkler
Albion Financial Group Senior Wealth Advisors Sarah Bird, CFP and Liz Bernhard, CFP, MBA work with clients to ensure their financial concerns are addressed in an integrated fashion, that pieces of their overall plan are working in concert, and that tactical changes to investment portfolios are made to stay on track toward each client’s goals.
Similar to A National Perspective on Oregon’s Asset Policy and Advocacy - Jennifer Brooks - CFED - Neighborhood Partnerships' RE:Conference 2014 (20)
Kevin Jeffries, Consumer Liaison, Oregon Department of Consumer and Business ...NeighborhoodPartnerships
Kevin Jeffies of the Oregon Department of Consumer and Business Services presents on financial fraud and scam prevention at Neighborhood Partnerships' 2016 RE:Conference
Laura Choi, Senior Research Associate – Community Development, Federal Reserv...NeighborhoodPartnerships
This document discusses strategies for strengthening financial security and well-being in Oregon. It notes that housing stability is important for financial stability and discusses factors like income and expense volatility that contribute to financial insecurity. The four elements of financial well-being are defined as security, control, capacity, and freedom. Partnerships across sectors are proposed to help more people access services that promote financial coaching, tax preparation assistance, education, and health resources. The goal is to expand the reach of programs that support financial well-being through innovative cross-sector collaboration.
Lori Coyner (State Medicaid Director, Oregon Health Authority), Rachel Port (Public Policy Director, Central City Concern), Leslie Neugebauer (Director of Central Oregon Coordinated Care Organization, PacificSource), Pam Hester (Health and Housing Manager, CareOregon), and Josh Balloch (VP of Government Affairs and Health Policy, AllCare) present on Health as Housing at Neighborhood Partnerships' 2016 RE:Conference
The document summarizes Oregon's new retirement savings plan. It notes that most Americans and Oregonians are not saving enough for retirement. The Oregon plan will provide a simple, automatic way for those without access to a workplace plan to save through payroll deductions into a Roth IRA. Employers with no existing plan who have more than 25 employees will be required to offer the plan starting in 2018. The state aims to help more Oregonians save for retirement, which benefits workers, families, communities and taxpayers.
Cupid Alexander, Housing Program Specialist, Portland Housing Bureau, How We ...NeighborhoodPartnerships
Cupid Alexander, of the Portland Housing Bureau, presents on how local governments can generate housing resources at Neighborhood Partnerships' 2016 RE:Conference
The document discusses the large and growing racial wealth divide in the United States. It notes that it would take Latino families 84 years and Black families 228 years to amass the same amount of wealth as White families today. Current federal policies benefit wealthy households more than middle- and low-income households of color. The document proposes conducting audits of federal and state policies, fixing upside-down tax incentives, addressing concentrated wealth, and investing in programs and nonprofits that can help close the racial wealth divide.
Dr. Crystal Hall, The Evans School of Social Policy, University of Washington...NeighborhoodPartnerships
This document discusses how behavioral science can provide insights into human decision-making, especially in contexts of scarcity and poverty. It notes that while individuals may make seemingly irrational decisions, their behavior is often predictable. When facing scarcity of resources like time or money, people tend to focus on short-term planning and trade-offs. This has implications for policymaking. The Social and Behavioral Sciences Team applies findings from behavioral sciences to improve federal policies and programs by focusing on access, choices, and incentives. Randomized trials are used to test interventions and measure their impact on outcomes.
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
- The document discusses data from Oregon's IDA program between 2012-2015. It provides statistics on who participated in the program (reach) and outcomes (graduation rates).
- In terms of reach, the program enrolled nearly 5,000 participants from diverse backgrounds. Most common asset goals were education, home purchase, and business. Graduation rates varied between groups - those pursuing business goals and younger participants tended to graduate at higher rates than others.
- The data helps understand impacts in communities and identify groups who could benefit most from targeted outreach and support to increase access and success in the IDA program.
Regulatory requirements for improving access to housing are powerful tools for removing barriers to housing choice and increasing housing opportunities. Local, state and federal laws can help you address unreasonable barriers put in place by neighbors or advocate for inclusive housing through planning and land use processes. The new affirmatively furthering fair housing rules at US Department of Housing and Urban Development will shape housing options for years to come. This session will provide an overview of applicable regulatory tools and practical discussion of how to apply them
Margaret Solle Salazar, Portland Field Office Director, US Dept of Housing and Urban Development
Pam Phan, 1000 Friends of Oregon and Anti-Displacement PDX
Martha McLennan, Executive Director, Northwest Housing Alternatives
Building housing that will remain affordable for years to come is a complex undertaking. It can also be expensive. How do we talk and think about cost comparisons, cost containment, and new approaches? What has recent analysis taught us about costs and alternative development models? We’ll get a preview of the work that’s still ahead to reach agreement on priorities and to communicate well about the tradeoffs and choices we make.
Margaret Van Vliet, Director, Oregon Housing and Community Services
Michael Parkhurst, Affordable Housing Initiative Program Officer. Meyer Memorial Trust
“Housing First” models offer great hope for housing individuals and households who face significant barriers to housing. Oregon has been a leader in this work, but more needs to be done in every community, and we need opportunities to learn from one another. Join us as we hear about and map examples of work being done now in Oregon to move this approach forward.
Bill Hall, Commissioner, Lincoln County
Kenny La Point, Systems Integrator, Oregon Housing and Community Services
Marc Jolin, Director, A Home for Everyone
Heather Lyons, Corporation for Supportive Housing
What’s working? Strategies to create inclusive communities, mitigate and reve...NeighborhoodPartnerships
Working to address and mitigate barriers to housing opportunity requires passion, creativity and a clear vision of how prosperous, equitable communities work. Community-based organizations are innovating approaches to mitigating residential displacement, inclusive anti-poverty strategies, and creating successful pathways to homeownership for those who experience the greatest barriers to this core asset building step. Learn from leaders from across the state what new strategies are working, how community engagement supports self-determination, and how funding is being secured for these innovations in creating inclusive and prosperous communities.
Moderator: Roberto Jiménez , Farmworker Housing Development Corporation
Travis Phillips, Pathways 1000 Plan, Portland Community Reinvestment Initiatives (PCR!)
Jen Matheson, Northwest Health Foundation
Amy Cubbage, Habitat for Humanity Mid-Willamette Valley
Communicating the importance of housing to and in our communities is key to our success as advocates. The Housing Alliance and local and national partners have worked hard to develop communications skills, techniques, and common messages. Come hear the latest in our thinking about what works, how to inspire passion for housing opportunity, how to elevate diverse voices, and our tools and plans for helping you be the strongest possible advocates for housing.
Michael Anderson, National Housing Trust Fund Project, Center for Community Change
Jes Larson, Director, Welcome Home Coalition
Jill Winsor, Neighborhood Partnerships
Matt Kinshella, Neighborhood Partnerships
This report explores the significance of border towns and spaces for strengthening responses to young people on the move. In particular it explores the linkages of young people to local service centres with the aim of further developing service, protection, and support strategies for migrant children in border areas across the region. The report is based on a small-scale fieldwork study in the border towns of Chipata and Katete in Zambia conducted in July 2023. Border towns and spaces provide a rich source of information about issues related to the informal or irregular movement of young people across borders, including smuggling and trafficking. They can help build a picture of the nature and scope of the type of movement young migrants undertake and also the forms of protection available to them. Border towns and spaces also provide a lens through which we can better understand the vulnerabilities of young people on the move and, critically, the strategies they use to navigate challenges and access support.
The findings in this report highlight some of the key factors shaping the experiences and vulnerabilities of young people on the move – particularly their proximity to border spaces and how this affects the risks that they face. The report describes strategies that young people on the move employ to remain below the radar of visibility to state and non-state actors due to fear of arrest, detention, and deportation while also trying to keep themselves safe and access support in border towns. These strategies of (in)visibility provide a way to protect themselves yet at the same time also heighten some of the risks young people face as their vulnerabilities are not always recognised by those who could offer support.
In this report we show that the realities and challenges of life and migration in this region and in Zambia need to be better understood for support to be strengthened and tuned to meet the specific needs of young people on the move. This includes understanding the role of state and non-state stakeholders, the impact of laws and policies and, critically, the experiences of the young people themselves. We provide recommendations for immediate action, recommendations for programming to support young people on the move in the two towns that would reduce risk for young people in this area, and recommendations for longer term policy advocacy.
The Antyodaya Saral Haryana Portal is a pioneering initiative by the Government of Haryana aimed at providing citizens with seamless access to a wide range of government services
Combined Illegal, Unregulated and Unreported (IUU) Vessel List.Christina Parmionova
The best available, up-to-date information on all fishing and related vessels that appear on the illegal, unregulated, and unreported (IUU) fishing vessel lists published by Regional Fisheries Management Organisations (RFMOs) and related organisations. The aim of the site is to improve the effectiveness of the original IUU lists as a tool for a wide variety of stakeholders to better understand and combat illegal fishing and broader fisheries crime.
To date, the following regional organisations maintain or share lists of vessels that have been found to carry out or support IUU fishing within their own or adjacent convention areas and/or species of competence:
Commission for the Conservation of Antarctic Marine Living Resources (CCAMLR)
Commission for the Conservation of Southern Bluefin Tuna (CCSBT)
General Fisheries Commission for the Mediterranean (GFCM)
Inter-American Tropical Tuna Commission (IATTC)
International Commission for the Conservation of Atlantic Tunas (ICCAT)
Indian Ocean Tuna Commission (IOTC)
Northwest Atlantic Fisheries Organisation (NAFO)
North East Atlantic Fisheries Commission (NEAFC)
North Pacific Fisheries Commission (NPFC)
South East Atlantic Fisheries Organisation (SEAFO)
South Pacific Regional Fisheries Management Organisation (SPRFMO)
Southern Indian Ocean Fisheries Agreement (SIOFA)
Western and Central Pacific Fisheries Commission (WCPFC)
The Combined IUU Fishing Vessel List merges all these sources into one list that provides a single reference point to identify whether a vessel is currently IUU listed. Vessels that have been IUU listed in the past and subsequently delisted (for example because of a change in ownership, or because the vessel is no longer in service) are also retained on the site, so that the site contains a full historic record of IUU listed fishing vessels.
Unlike the IUU lists published on individual RFMO websites, which may update vessel details infrequently or not at all, the Combined IUU Fishing Vessel List is kept up to date with the best available information regarding changes to vessel identity, flag state, ownership, location, and operations.
Contributi dei parlamentari del PD - Contributi L. 3/2019Partito democratico
DI SEGUITO SONO PUBBLICATI, AI SENSI DELL'ART. 11 DELLA LEGGE N. 3/2019, GLI IMPORTI RICEVUTI DALL'ENTRATA IN VIGORE DELLA SUDDETTA NORMA (31/01/2019) E FINO AL MESE SOLARE ANTECEDENTE QUELLO DELLA PUBBLICAZIONE SUL PRESENTE SITO
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
2024: The FAR - Federal Acquisition Regulations, Part 40
A National Perspective on Oregon’s Asset Policy and Advocacy - Jennifer Brooks - CFED - Neighborhood Partnerships' RE:Conference 2014
1. A National Perspective on Oregon’s Policy and
Advocacy
Neighborhood Partnerships Statewide Conference
Salem, Oregon
October 30, 2014
2. What is ?
CFED (Corporation for Enterprise
Development) empowers
individuals and families to build
and preserve assets by advancing
policies and strategies that help
them go to college, buy a home,
start a business, and save for now
and for the future.
We combine the vision of a think
tank with real-world experience to:
Identify Good Ideas: CFED’s research
finds ideas with potential for making the
economy work for everyone, particularly
those on the margins
Develop Partnerships: CFED works in
partnership with diverse organizations
across the country to promote lasting
change
Bring Ideas to Scale: CFED brings
together community practice, public policy
and private markets to achieve the
greatest economic impact.
3. Financial
Security:
skills, supports,
opportunities to
change economic
position
Dramatically expanded
More
& better
asset-building
programs & products
Policies
encourage
asset-building;
disincentives
removed
opportunities to
save and
build
assets
4. Federal Government Spent $540 Billion
on Asset Building in 2013
0-20% 20-40% 40-60% 60-80% 80-90% 90-99% Top 1%
$30,000
$25,000
$20,000
$15,000
$10,000
$5,000
$0
Average Federal Tax Benefit by Income Bracket
5. Federal Government Spent $540 Billion
on Asset Building in 2013
Bottom 60% get
less than 12% of
benefits
0-20% 20-40% 40-60% 60-80% 80-90% 90-99% Top 1%
$30,000
$25,000
$20,000
$15,000
$10,000
$5,000
$0
Average Federal Tax Benefit by Income Bracket
}
6. Federal Government Spent $540 Billion
on Asset Building in 2013
0-20% 20-40% 40-60% 60-80% 80-90% 90-99% Top 1%
$30,000
$25,000
$20,000
$15,000
$10,000
$5,000
$0
Average Federal Tax Benefit by Income Bracket
Top 20% get
70 x more
than
bottom 20%
7. Federal Government Spent $540 Billion
on Asset Building in 2013
0-20% 20-40% 40-60% 60-80% 80-90% 90-99% Top 1%
$30,000
$25,000
$20,000
$15,000
$10,000
$5,000
$0
Average Federal Tax Benefit by Income Bracket
Top 1% greater benefit than
bottom 80% combined
8. Assets & Opportunity Scorecard
2002
2005
2007
2009
2012
2013
What is it?
State-level assessment of how
families are fairing and state
policies to support financial
security
and opportunity
2014
2015
PREVIEW
POLICY
DATA
12 years of using data to build the
assets movement and drive policy
change
9. Oregon has adopted more policies than many other states
MD RI ME NJ NY WA OR CT CO MN VT IL DC NC AR OH KS CA IA MA OK LA WI ND DE GA FL MI NE NM PA VA WV MT AZ SC HI NV IN KY NH UT TX TN ID AL MO MS AK SD WY
Housing t rust fund? Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N N Y N
Downpayment assistance? Y Y Y Y Y Y Y Y Y Y Y Y N Y Y Y Y Y Y Y Y Y Y Y Y Y Y N Y Y Y Y Y Y Y Y N - Y Y Y N Y Y Y Y Y Y N Y Y
State Income Tax? Y Y Y Y Y N Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N Y Y Y Y Y Y Y Y Y Y N Y Y N Y N N Y Y Y Y N N N
Eliminated LIHEAP asset test? Y Y Y Y N Y Y N Y Y Y Y Y N N Y Y Y Y Y N Y Y N Y Y Y Y N Y Y Y Y N Y Y N Y Y N Y Y Y Y Y Y N Y Y Y Y
Foreclosure deficiency judgments limited/abolished? Y N Y Y Y Y Y Y Y Y Y N N Y Y Y Y Y Y N Y Y Y Y N Y Y Y Y Y Y N N Y Y Y Y Y N N N Y Y Y Y N N N Y Y N
Eliminated SNAP asset test? Y Y Y Y Y Y Y Y Y Y Y Y Y Y N Y N Y Y Y Y Y Y Y Y Y Y N N Y N N Y Y Y Y Y Y N Y Y N N N N Y N Y N N N
Universal college savings incent ive? Y Y Y Y Y N Y Y Y N Y Y Y N Y Y Y N Y N Y Y Y Y N Y N Y Y Y Y Y Y Y Y Y N Y Y N N Y N N Y Y Y Y N N N
Homeownership counseling? Y Y N Y N Y Y Y Y Y N Y N Y Y Y N N Y N N Y N Y Y Y Y N N Y Y Y Y Y Y Y N - N Y Y N Y Y Y Y N Y Y Y Y
Expanded UI eligibility enacted? Y Y Y Y Y Y Y Y Y Y Y N Y Y Y Y Y Y Y Y Y N Y N Y Y N Y Y Y Y N N Y N Y Y Y N N Y N N N Y N N N N Y N
Adequate K-12 educat ion spending? Y Y Y Y Y N N Y N Y Y Y Y N Y Y Y N Y Y N Y Y Y Y N N Y Y N Y N Y Y N N Y N Y Y Y N N N N N N N Y Y Y
St rong K-12 teacher evaluat ion and retent ion? N Y Y Y Y Y N Y Y N N Y N Y N Y N N N Y Y Y Y N Y Y Y Y N Y Y Y Y N Y N Y Y Y N N Y N Y N N Y Y N N Y
Protect against car-t it le lending? Y Y Y Y Y Y N Y Y N Y N Y Y Y Y N Y Y Y Y Y N Y N N Y Y Y N Y N Y Y N N Y N Y Y N N N N N N N N Y N Y
Does state remove barriers to direct deposit? N N Y N N Y N N Y N N N N Y N Y Y N Y Y Y Y Y Y Y N Y Y Y N N Y N N Y Y N N Y Y N Y Y Y N Y Y Y N Y N
Well-targeted financial aid? Y Y Y Y Y Y Y Y Y Y Y Y N Y N N Y Y Y Y Y N Y N N N N Y Y N Y N N Y Y N Y N Y N N N Y N N Y N N N N N
Expanded Medicaid
Medicaid expansion? Y Y N Y Y Y Y Y Y Y Y Y Y N Y Y N Y Y Y N N N Y Y N N Y N Y N N Y N Y N Y Y N Y Y N N N N N N N N N N
State EITC? Y Y Y Y Y Y Y Y Y Y Y Y Y N N Y Y N Y Y Y Y Y N Y N N Y Y Y N Y N N N N N N Y N N N N N N N N N N N N
Refundable EITC
Adequate funding for public colleges? Y Y N N N Y N Y N N N N - Y Y N Y N Y N Y N Y Y N Y N N Y Y N Y Y N Y Y Y N N Y N Y Y Y N Y N Y N Y N
Debt set t lement protect ions? N N Y Y N N N Y N N Y Y N Y Y Y Y N N Y Y Y Y N N Y Y N N Y N Y Y N Y N Y N N Y Y N N N Y N Y N N N Y
Adequate workforce t raining funding? Y Y Y Y N N N N Y Y N Y N Y Y N N N N Y N N Y Y Y Y Y Y Y Y N N Y N N N N N N N N Y N Y Y Y N N Y N Y
Child Tax Credit or CDCTC enacted? Y Y Y N Y N Y N Y Y Y N Y Y Y Y N Y Y N Y Y N N Y Y N N Y Y N Y N N N Y Y N N Y N N N N N N N N N N N
Low-fee unemployment benefits prepaid card? Y Y N Y N N Y N Y Y N N Y N Y Y N Y Y N N N Y Y N Y N Y Y N Y N N N Y Y N N N N N N Y N Y N N N Y Y Y
Pre-K quality standards met? Y Y N Y Y Y Y N N Y N Y Y Y Y N N N N N Y Y N - Y Y N Y N Y N N Y - N N - Y - Y - - N Y - Y Y - Y - -
Tenant foreclosure protect ions? Y N Y Y Y Y Y Y Y Y Y Y Y Y N N N Y N Y N N N N N N N N N N N Y N Y Y N N Y N N Y Y N N Y N N N Y N N
Refundable EITC? Y Y N Y Y Y Y Y Y Y Y Y Y N N N Y N Y Y Y Y Y N N N N Y Y Y N N N N N N N N Y N N N N N N N N N N N N
CDBG funding for microenterprise? Y Y Y N Y Y Y N Y Y Y N N N Y Y N Y N Y N N N N N N N N N N N Y N N Y N Y Y N Y Y Y N Y N N Y N N N N
Tit ling of manufactured housing as real property? N N N N N Y N N Y N Y N N Y N Y Y Y Y N N N Y Y N N Y N Y N N Y N Y Y Y N Y N N Y Y Y N Y N Y N N N N
Hospital charges, billing or collect ions limited? Y Y Y Y Y Y N Y Y N Y Y N N N Y Y Y N Y Y Y N Y N N N N N N N N N N N N N Y N N N Y Y Y N N N Y N N N
Protect against short -term installment loans? Y Y Y Y Y N Y Y N N Y N Y N Y N Y N Y N N N N Y N N Y N N N Y Y N Y N N Y N N N Y N N N N N N N Y N Y
Major assets protected from debt collect ion? N Y N N N Y N N N Y Y N Y Y N N Y N Y Y Y N Y Y N N Y N N N N N N Y N Y N Y N N Y N Y Y Y N N Y N N N
Third-party review of foreclosures? Y N Y Y Y N N Y Y N Y Y N N N Y Y N Y N Y N Y Y Y N Y N N N Y N N N N Y N N Y Y N N N N N N N N N Y N
Student compensat ion for for-profit school closure/fraud? Y N N N Y Y Y Y N N N N N Y Y Y N Y N N N Y N N N Y Y N Y N N Y N N Y N N Y Y Y Y N Y Y N N N N N N N
Mortgage servicer regulat ion? Y N Y N Y Y Y N Y Y Y Y N Y Y N N Y N Y N N N N Y N N N Y N N N N Y N Y Y Y N N N N N N N N N N N N N
In-state tuit ion for undocumented students? Y Y N Y Y Y Y Y Y Y N Y N N N N Y Y N N Y N N N N N Y N Y Y N N N N N N Y N N N N Y Y N N N N N N N N
Rate cap on payday lending
Payday lending protect ions? Y N Y Y Y N Y Y Y N Y N Y Y Y N N N N Y N N N N N Y N N N N Y N Y Y Y N N N N N Y N N N N N N N N N N
Adequate financial aid funding? N N N Y Y Y N N N N N Y Y Y Y N N Y N N N Y N N N Y N N N Y Y N Y N N Y N Y Y Y N N N Y N N N N N N N
State IDA funding? N N Y N N N Y Y N Y Y N N Y Y Y Y N Y N N N N Y N N N Y N Y N Y N N N N N N Y N N Y N N N N Y N N N N
State IDA funding
TANF/WIA funding for microenterprise? N N Y N N Y Y N N Y Y Y N N N Y N N N N N Y N N N Y Y Y N N Y Y N Y N N N N N Y N N Y N N N Y N N N N
Loans for beginning farmers? Y N N N N Y N N Y Y N Y N Y Y N Y N Y N Y N N Y N N N N Y N Y N N Y N N N N Y N N N N N N N Y N N Y N
Land banking enabled? Y N N N Y N N N N N N N N N Y Y Y N N N N Y N N N Y N Y Y N Y N Y N N N N N Y Y N N Y Y N Y Y N N N N
Direct lending for new homebuyers? Y Y N N N N N N N Y N Y N N N N N N N N N N N N Y N Y N N N Y Y Y N N Y N - N N Y N Y N Y N N Y Y Y N
Sufficient pre-K funding? N Y Y Y N Y Y Y N Y N N Y N N N N N N N Y N Y - Y N N N N N Y N Y - N N - N - Y - - N N - N N - Y - -
Prize-linked savings? Y Y Y N Y Y N Y N N N N N Y N N N N N N N N N N N Y N Y Y Y N N N N Y N N N Y N N N N N N N N N Y N N
State EITC is 15% of federal? Y Y N Y Y N N Y N Y Y N Y N N N Y N Y Y N N N N Y N N N N N N Y N N N N N N N N N N N N N N N N N N N
Adequate minimum wage by 2016? N N N Y N Y Y N Y N N N Y N N Y N Y N Y N N N N N N Y N N N N N N Y Y N N Y N N N N N N N N Y N N N N
Head Start grant? Y Y N N N N Y Y N Y N N N N N N N N N Y Y N Y Y Y N N N N N Y N N N N N N N N N N N N N Y N N N Y N N
Expanded FMLA? N Y Y Y N Y Y Y Y Y Y N Y N N N N N N N N N Y N N N N N N N N N N N N N Y N N N N N N N N N N N N N N
Full-day kindergarten required? Y N N N N N N N N N N N Y Y Y N N N N N Y Y N N Y N N N N N N N Y N N Y N N N N N N N Y N Y N Y N N N
Targeted incent ive for college savings? N Y Y N N N N N Y N N N N N Y N Y N N N N Y N Y N N N N N N N N Y N N N N Y N N N Y Y N N N Y N N N N
St reamlined enrollment and renewal in Medicaid/CHIP for children? N N N Y Y N N N N N N Y N N N Y Y Y Y N N N N N N N N Y N Y N N N Y N Y N N N N N N N N N N N N N N N
Resident ownership of manufactured housing communit ies? N Y N N N Y Y N N N Y N N Y N N N N N Y N N N N Y N Y N N N N N N Y N N N N N N Y N N N N N N N N N N
Well-targeted property tax circuit -breaker? Y Y Y N Y N N N N Y Y N Y N N N Y N N N N N Y N N N N Y N N N N N N N N N N N N N N N N N N N N N N N
Discriminat ion protect ion for Sect ion 8 voucher holders? N N Y Y N N Y Y N N Y N Y N N N N N N Y Y N N Y N N N N N N N N N N N N N N N N N N N N N N N N N N N
Eliminated TANF asset test? Y N N N N N N N Y N N Y N N N Y N N N N N Y N N N N N N N N N Y N N N N Y N N N N N N N N Y N N N N N
Statewide financial access program? N N N N N Y N Y N N N Y Y N N N N Y N N N N N N N N Y N N N N N N N N N N N Y N N Y N N N N N N N N N
Personal finance required and assessed in schools? N N N N N N N N N N N N N N N N N N N N N Y N N N Y Y N N N N Y N N N N N N N N N Y N Y Y N Y N N N N
Ban add-on fees for refund ant icipat ion checks? Y N Y N Y N N Y N Y N Y N N Y N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N
Paid leave required? N Y N Y Y Y N Y N N N N Y N N N N Y N N N N N N N N N N N N N N N N N N Y N N N N N N N N N N N N N N
Act ive Self-Employment Assistance program? N Y N N Y Y Y N N N N N N N N N N N N N N N N N Y N N N N N N N N N N N N N N N Y N N N N N N Y N N N
Targeted mortgage credit cert ificates? - - - - - N - - N - - Y - Y N N - N - - - - - - - - Y - - - - - - - - Y N - N N - - Y - N Y - Y - - -
St reamlined enrollment in Medicaid for adults? N N N Y N N Y N N N N Y N N Y N N Y N N N N N N N N N N N N N N Y N N N N N N N N N N N N N N N N N N
Regulate tax preparers? Y N N N Y N Y N N N N N N N N N N Y N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N
Matched college saving in partnerships with large ent it ies? N N Y N N N N N N N N N N N N N Y N N N Y N N N N N N N N N N N N N N N N Y N N N N N N N N N N N N N
Regulat ion of online for-profit colleges? N N N N N N N N N N N N N N N N N N N N N N Y N N Y N N N N N N N N N N N N N N N N N N N Y N N N N Y
Abusive debt buying pract ices protected against? Y N N N N N N N N N N N - Y N N N Y N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N
Minimized savings barriers for 529s? N N Y N N N N N Y N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N Y N N N N N N N N N
Progressive state income tax rate? N N N N N N N N N N N N Y N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N
All workers covered by state minimum wage? N N N N N N N N N N N N N N N N N Y N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N
Adequate unemployment benefit? N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N Y N N N N N N N N N N N N N N
10. 11 of 22 policy adopted
= 50%
6 of 10 policy adopted
= 60%
8 of 13 policy adopted
= 62%
7 of 18 policy adopted
= 39%
2 of 4 policy adopted
= 50%
11. State policy ideas to consider for
advocacy
• Policies that build assets
– Incentives for college savings that work for LMI families
– Maintain and expand IDA tax credit
• Policies that make it easier to save
– Eliminate TANF asset test
– Increase access to direct deposit
– Remove barriers to prize-linked savings
• Policies that help people keep what they have
– Cap interest rate on car-title loans
– Protect consumers’ assets from debt collection
– Curb abusive debt settlement practices
12. Purpose of the Assets & Opportunity Network
National learning &
advocacy community
that answers the call for …
• More connected and aligned
asset-building field
• More coordinated, effective
constituency to advocate for policies
• More effective way to collaborate nationally to learn
and test better ways to expand economic opportunity
13. Advocacy Community
• Sign onto federal comment letters
• Meet with your elected officials
• Build your skills to do state or local policy advocacy
Learning Community
• Learning groups
• Intensive learning clusters
• Webinars and online resources
• Regional workshops
• Conferences and convenings
14. Lead Organizations in Oregon
Lead State Organization:
Neighborhood Partnerships
Lead Local Organizations:
Innovative Changes
Portland
NeighborImpact
Redmond
15. Role of Lead Organizations
Convene
• Convene stakeholders
statewide or locally
Engage
• Encourage participation in Network
learning and advocacy opportunities
• Share state/local experience with peer Lead Organizations
nationally
Lead
• Participate in/lead virtual discussions, learning groups, work
groups
• Lead delegations of local stakeholders on federal advocacy
visits
• Help shape direction of the Network
16. Join us!
• Engage with your State & Local Lead Organizations
• Become a new Lead Organization
• Become a General Member
– Stay informed
– Share your experiences
– Participate in intensive learning opportunities
– Engage in national dialog on asset-building solutions
– Access responsive technical assistance
– Be eligible for event scholarships
To join or learn more, go to assetsandopportunity.org/network
17. Thank you!
Jennifer Brooks
Director
Assets & Opportunity Network
State & Local Policy
CFED
jbrooks@cfed.org
Editor's Notes
For those who don’t know CFED, we’re a natl org based in DC that’s been working for 30+ yrs to expand eco. opport’y;
… essentially helping more ppl get a shot at Am. Dream of owning home, going to college, starting biz and providing a better future for kids.
We do that by identifying good ideas, … testing them out on the ground, …
… & then working to take best ideas to scale thru PPOL, comm. practice & priv. mkts.
Core value is ptnrshp—so all happens w/ groups on front lines of service delivery , pol. advocacy.
That core value plays out in CFED’s role as the backbone organization for the A&O Network
What is the Scorecard?
State-level assessment of how families fairing & st pols to support fin sec & opp.
We have been producing this tool for the past 12 yrs as a way to:
-Build a movement for asset-based strategies and
-Drive policy change
JB
Before we close today, we want to make sure you know about all of the resources you have going forward – related to integration, as well other aspects of asset-building policy and practice.
JB
Ways you can participate…
LEARNING COMMUNITY:
Facilitate learning groups – on range of topics, identified as priorities by members
Run intensive learning clusters – which are competitively selected and more in-depth
Webinars – on a range of topics
Hold regional workshops – that focus in on issues of relevance in particular communities
Conference & convenings – just had leadership convening in DC; will have ALC in Sept 2014 (I’ll say more about that in a minute)
ADVOCACY COMMUNITY:
Create opps to sign onto fed comment letters. Ex. CFPB – financial ed & regulating payday lending; HHS – ensuring unbanked can pay for insurance.
Create opps for Network members to meet w/ your elected officials – at home or in DC.
Help members build their advocacy skills to work at state or local level.
JB
I would also invite you to join the Network as GMs.
You can do that by filling out one of the postcards