This document provides warning signs of predatory lenders and resources for homeowners facing foreclosure. Some warning signs of predatory lenders are claims that are "too good to be true", excessive fees, and risky adjustable rate mortgages. The document then lists counseling resources such as the HUD website, NeighborWorks America, and legal aid offices that can help homeowners avoid foreclosure. It concludes by warning homeowners to watch out for questionable counseling companies when shopping for help with their mortgage.
Social media have provided brands with an opportunity to create a conversation with consumer via online communities. This presentation covers the 4 key ingredients needed to build successful communities that drive insights and WOM.
Benevolent & gividual presentation aug 2012 v1benevolentnet
This document summarizes an opportunity to transform philanthropy through personal storytelling on a digital platform called Benevolent. It notes that human needs outweigh current philanthropic capacity. Benevolent aims to make giving more personalized and impactful by connecting donors to individuals' stories and tracking how donations are used. This could transform the experience for recipients, donors, and corporate partners by rewarding positive action and fostering deeper connections. The business model involves donor acquisition and retention, local story development, and brand integration to support recipients and grow philanthropic impact over time.
Kiva-Didi: Reaching the Poorest of the Poor Tseli Mohammed
This document proposes a new website called Kiva-Didi that would help Kiva reach the poorest populations. It summarizes that while microfinance has helped many, the very poorest are often unable to participate due to lack of income or being seen as too risky. Kiva-Didi would leverage Kiva's existing lender base and partnerships to provide essential non-financial support like food and healthcare to address root issues, with the goal of helping the poorest graduate to a level where microloans are feasible.
2019 Financial Inclusion & Disability Resource Summit Presentation
-Gain more insight and learn about opportunities that are available for persons with disabilities
Lack of empathy can be a barrier to migrant community mediation because without understanding the perspectives and experiences of migrants, host community members may not be supportive of mediation efforts or recognize the needs that mediation aims to address. With limited empathy, community members cannot fully understand migrants' pain, motives, or what they are feeling/experiencing, making it harder to gain cooperation or buy-in for mediation as a way to create solutions. Developing empathy for migrants' situations is important for breaking down barriers between communities.
The document discusses building sustainable social networks in a struggling economy. It defines social networks and their purpose, noting they are structures of individuals tied together through mutual interests, values, and other connections. Effective social networks are built on relationships and consist of meaningful interactions between individuals. They can be used to research career opportunities and solve problems. The document provides tips on using social networks online and in-person to enhance career prospects in a difficult job market.
This document discusses identifying stakeholders and partners for a mediation project. It defines a stakeholder as anyone with a vested interest in or ability to affect a project. It instructs the reader to make a list of all individuals, groups, companies, and institutions connected to their mediation project. It also discusses target groups that will benefit from the project and potential partners to work with.
The document is a report by Cimigo that analyzes philanthropic attitudes and sentiments in Vietnam. Some key findings include:
- There is a high rate of giving (82%) but contributions are low in frequency (2-3 times per year or less) and amount (typically under 500,000 VND). Lack of trust in organizations is a barrier.
- Disaster relief, children's causes, and support for the disabled are most likely to motivate giving. Smaller community organizations may struggle to attract funds for less prominent causes.
- Demographic targeting could increase efficiency, as people are more likely to support causes related to themselves (e.g. seniors support senior causes).
- Direct
Social media have provided brands with an opportunity to create a conversation with consumer via online communities. This presentation covers the 4 key ingredients needed to build successful communities that drive insights and WOM.
Benevolent & gividual presentation aug 2012 v1benevolentnet
This document summarizes an opportunity to transform philanthropy through personal storytelling on a digital platform called Benevolent. It notes that human needs outweigh current philanthropic capacity. Benevolent aims to make giving more personalized and impactful by connecting donors to individuals' stories and tracking how donations are used. This could transform the experience for recipients, donors, and corporate partners by rewarding positive action and fostering deeper connections. The business model involves donor acquisition and retention, local story development, and brand integration to support recipients and grow philanthropic impact over time.
Kiva-Didi: Reaching the Poorest of the Poor Tseli Mohammed
This document proposes a new website called Kiva-Didi that would help Kiva reach the poorest populations. It summarizes that while microfinance has helped many, the very poorest are often unable to participate due to lack of income or being seen as too risky. Kiva-Didi would leverage Kiva's existing lender base and partnerships to provide essential non-financial support like food and healthcare to address root issues, with the goal of helping the poorest graduate to a level where microloans are feasible.
2019 Financial Inclusion & Disability Resource Summit Presentation
-Gain more insight and learn about opportunities that are available for persons with disabilities
Lack of empathy can be a barrier to migrant community mediation because without understanding the perspectives and experiences of migrants, host community members may not be supportive of mediation efforts or recognize the needs that mediation aims to address. With limited empathy, community members cannot fully understand migrants' pain, motives, or what they are feeling/experiencing, making it harder to gain cooperation or buy-in for mediation as a way to create solutions. Developing empathy for migrants' situations is important for breaking down barriers between communities.
The document discusses building sustainable social networks in a struggling economy. It defines social networks and their purpose, noting they are structures of individuals tied together through mutual interests, values, and other connections. Effective social networks are built on relationships and consist of meaningful interactions between individuals. They can be used to research career opportunities and solve problems. The document provides tips on using social networks online and in-person to enhance career prospects in a difficult job market.
This document discusses identifying stakeholders and partners for a mediation project. It defines a stakeholder as anyone with a vested interest in or ability to affect a project. It instructs the reader to make a list of all individuals, groups, companies, and institutions connected to their mediation project. It also discusses target groups that will benefit from the project and potential partners to work with.
The document is a report by Cimigo that analyzes philanthropic attitudes and sentiments in Vietnam. Some key findings include:
- There is a high rate of giving (82%) but contributions are low in frequency (2-3 times per year or less) and amount (typically under 500,000 VND). Lack of trust in organizations is a barrier.
- Disaster relief, children's causes, and support for the disabled are most likely to motivate giving. Smaller community organizations may struggle to attract funds for less prominent causes.
- Demographic targeting could increase efficiency, as people are more likely to support causes related to themselves (e.g. seniors support senior causes).
- Direct
Expanding the Circle of Success by Establishing a Network of Community Resour...Charles Betterton
Introduction to Expanding the Circle of Success for Solving Social, Economic and Environmental Challenges by Establishing a Network of Community Economic Development Benefit Corporations, B Corps and CAN DO! CED Resource Centers and Generating Equity Capital through the Crowd Funding Provisions of the JOBS Act
Jamie Dimon is described as an example of an active coper. As the CEO of JPMorgan Chase, he has led the bank through multiple crises, acquisitions, and opportunities. Dimon took on risks such as acquiring Bear Stearns during the 2008 financial crisis and accepting TARP funds to support the banking industry. He looks for ways to address societal problems and learns from his experiences dealing with challenges. Dimon is seen as a highly effective leader who demonstrates traits like overcoming obstacles, capitalizing on opportunities, and understanding multiple perspectives.
The document summarizes the findings of a study on philanthropic attitudes and sentiments in Vietnam. Some key findings include:
- Most Vietnamese people donate (82%), but with low frequency (2-3 times per year) and relatively small sums. Lack of trust in charities is a barrier.
- The biggest causes that motivate giving are disaster relief and charities supporting children and the disabled. This may disadvantage smaller NPOs focused on other issues.
- People are more likely to donate to causes they can relate to, such as senior citizens supporting senior citizen charities. Targeting specific groups may improve efficiency.
- People typically learn about charities through friends or direct contact. Engagement occurs
This document outlines methodologies for elder and guardianship mediation. It discusses what mediation is, core and variable features of any mediation, and what constitutes elder and guardianship mediation specifically. Four models of mediation are described - settlement, facilitative, therapeutic/transformative, and evaluative. For elder and guardianship mediation, a facilitative model with pre-mediation meetings is recommended. Co-mediation and a five-step consensus building methodology for multi-party mediation are also presented. The document concludes with qualities of being a good facilitator.
This document outlines strategies for developing an effective finance plan, including setting fundraising goals and benchmarks, targeting different types and sizes of donors, and utilizing various fundraising tactics. It discusses motivating donors through one's candidacy, relationships, ideological alignment, opposition to opponents, and access. The presentation recommends determining the most effective tactics based on costs and returns, such as call time, events, and email. Homework involves listing an inner circle of donors.
Elder and guardianship mediation are new and growing fields of practice. British Columbia now has proposed legislation calling for mandatory mediation in adult guardianship matters.
MBB Consulting provides conflict management and stakeholder engagement services to address issues that arise in three main contexts:
1) Between companies and communities to help build constructive relationships and social acceptance for business operations.
2) Inside companies to improve organizational performance by managing workplace conflicts.
3) Among government and society to support collaboration on issues like development, elections, and resource management.
Homebuyer Internet Search Behavior Study 2.2012Oscar Gonzales
Source: The Journal of Real Estate Research
This study examines the eye movements of homebuyers searching for homes for sale on the Internet. Total dwell time (how long a person looks at the photo), fixation duration (time spent at each focal point), which significantly explain someone's opinion of the home and its value. The sections that are viewed first are the photo of the home, the description section, distantly followed by the real estate agent remarks section. AND FINALLY, charm pricing, the marketing technique where agents list properties at slightly less than round numbers, works in opposition to its intended effect and questions the wisdom of using a charm pricing marketing strategy.
Trường trung cấp bách khoa hà nội tuyển sinh lớp học lập trình android dài hạn và ngắn hạn đảm bảo đầu ra cho các sinh viên sau khi ra trường 100% có việc làm
http://bachkhoahanoi.edu.vn/tuyen-sinh/tuyen-sinh-lop-hoc-lap-trinh-android/287.html
The document reports on a Women's Economic Empowerment group discussion. It identifies key aspects of women's economic empowerment like employment, finance control, and decision making. Impediments include workload, education barriers, and social/cultural norms. Strategies proposed are increasing education/skills, development programs, and facilitating public sector access. Good practices discussed are thorough analysis, women's production groups, and developing service providers. The group discussed how to integrate women's economic empowerment into projects and what support is needed.
This is a crash course intended to quickly bring bloggers up to speed on today’s best practices for achieving the greatest mileage from your blog posts. Topics include:
*How influence works in the blogosphere
*Major applications of corporate blogs
*Developing a content model
*Generating ideas and unique angles
*Writing compelling headlines and entries
*Positioning and voice
*Why top business blogs are successful
*Unique characteristics of b-to-b markets
*Tricks for generating buzz and recognition
*Working with multiple media
This slide deck is the basis for a three-hour course that can be delivered live or remotely via webcast.
TEVIZZ - Football PSG-RSCA / Social TV AnalyticsTevizz
1) The document summarizes social media activity around a soccer match between PSG and RSC Anderlecht. It tracked 31,645 unique users who posted over 16,000 messages. Messaging volume peaked between 8:45pm-10:30pm.
2) Leonardo DiCaprio attended the match as a prestigious guest and was mentioned in many posts. Popular topics included goals by Zeeuw and Zlatan Ibrahimovic, the 1-1 scoreline, and DiCaprio's presence.
3) Most social media users discussing the match were from France (42%) and Belgium (15%), with smaller percentages from Indonesia and the US. Zlatan Ibrahimovic received
mLearning Initial Findings - Uganda October 2011Lauren-Jane
The document discusses mobile phone market research conducted in Uganda. It outlines the research structure which included expert interviews, focus groups, and surveys conducted over 4 weeks in both urban and rural areas. Charts show historical mobile subscription data and the current market shares of providers like MTN, Airtel, and Zain.
1) The document discusses the slippery slope of pursuing worldly wealth over godly principles. It contrasts the world's views on topics like ownership, involvement, debt, and role/responsibility with the biblical perspective.
2) God owns all things and is sovereign over all circumstances. Christians should be faithful stewards of their resources and possessions.
3) The bible encourages believers to find contentment through being faithful with little things, sharing with others, and trusting that God will never leave them.
This document is the introduction to a book on Greek grammar for colleges written by Herbert Weir Smyth. It explains that the book was brought to digital form by Textkit, an organization dedicated to creating Greek and Latin learning tools available on their website.
Creating and Growing Edible Schoolyards: A How to Manual for School Professio...antonis3q
This document provides guidance for creating edible schoolyards (school gardens) to increase children's consumption of fruits and vegetables. It discusses exploring a schoolyard initiative, including seeking administrative approval and forming an advisory committee. The manual then covers designing, planting, maintaining, and sustaining the schoolyard, as well as linking the garden to academic curriculum. The goal is for students to better understand where food comes from and increase their daily intake of healthy foods.
Fresh herbs can transform ordinary meals while offering health benefits from their antioxidants; they add flavor, color and nutrition to foods without extra calories when used as garnishes or toppings. The document provides tips on growing, storing, preparing and using various fresh herbs such as basil, chives, cilantro, dill, mint, oregano, parsley, rosemary, sage and thyme in combinations with different foods.
Medical Malpractice Insurance - what are the pitfalls?molysa15
This document discusses specialist insurance for cosmetic practitioners and common pitfalls that can lead to medical malpractice claims. It notes that poor patient selection, consent processes, and managing patient expectations and complications are areas of risk. Proper documentation of informed consent discussions is important to defend against potential claims. The most common procedures involved in claims are fat reduction, laser treatments, hyaluronic acid dermal fillers and botulinum toxin. A case study highlights the importance of documenting discussions of potential poor results to defend against an unsuccessful procedure claim. Key lessons focus on obtaining proper informed consent.
Search engine optimization (SEO) involves optimizing web content to make it more relevant for relevant search engine queries. Almost all websites that rely on online sales need SEO to improve business prospects, such as e-commerce sites, doctors' offices, and online tutors. Key factors in SEO include using a domain name related to main keywords, writing unique content, optimizing meta-tags, and organic link building. SEO best practices also avoid duplicate content and automated software, as well as black-hat techniques.
Brief overview of linked data, RDA, FRBR, big data and sharing data ; discussion followed (based on Alastair Croll's presentation at ALA). robin fay @georgiawebgurl ; peter murray (lyrasis)
Expanding the Circle of Success by Establishing a Network of Community Resour...Charles Betterton
Introduction to Expanding the Circle of Success for Solving Social, Economic and Environmental Challenges by Establishing a Network of Community Economic Development Benefit Corporations, B Corps and CAN DO! CED Resource Centers and Generating Equity Capital through the Crowd Funding Provisions of the JOBS Act
Jamie Dimon is described as an example of an active coper. As the CEO of JPMorgan Chase, he has led the bank through multiple crises, acquisitions, and opportunities. Dimon took on risks such as acquiring Bear Stearns during the 2008 financial crisis and accepting TARP funds to support the banking industry. He looks for ways to address societal problems and learns from his experiences dealing with challenges. Dimon is seen as a highly effective leader who demonstrates traits like overcoming obstacles, capitalizing on opportunities, and understanding multiple perspectives.
The document summarizes the findings of a study on philanthropic attitudes and sentiments in Vietnam. Some key findings include:
- Most Vietnamese people donate (82%), but with low frequency (2-3 times per year) and relatively small sums. Lack of trust in charities is a barrier.
- The biggest causes that motivate giving are disaster relief and charities supporting children and the disabled. This may disadvantage smaller NPOs focused on other issues.
- People are more likely to donate to causes they can relate to, such as senior citizens supporting senior citizen charities. Targeting specific groups may improve efficiency.
- People typically learn about charities through friends or direct contact. Engagement occurs
This document outlines methodologies for elder and guardianship mediation. It discusses what mediation is, core and variable features of any mediation, and what constitutes elder and guardianship mediation specifically. Four models of mediation are described - settlement, facilitative, therapeutic/transformative, and evaluative. For elder and guardianship mediation, a facilitative model with pre-mediation meetings is recommended. Co-mediation and a five-step consensus building methodology for multi-party mediation are also presented. The document concludes with qualities of being a good facilitator.
This document outlines strategies for developing an effective finance plan, including setting fundraising goals and benchmarks, targeting different types and sizes of donors, and utilizing various fundraising tactics. It discusses motivating donors through one's candidacy, relationships, ideological alignment, opposition to opponents, and access. The presentation recommends determining the most effective tactics based on costs and returns, such as call time, events, and email. Homework involves listing an inner circle of donors.
Elder and guardianship mediation are new and growing fields of practice. British Columbia now has proposed legislation calling for mandatory mediation in adult guardianship matters.
MBB Consulting provides conflict management and stakeholder engagement services to address issues that arise in three main contexts:
1) Between companies and communities to help build constructive relationships and social acceptance for business operations.
2) Inside companies to improve organizational performance by managing workplace conflicts.
3) Among government and society to support collaboration on issues like development, elections, and resource management.
Homebuyer Internet Search Behavior Study 2.2012Oscar Gonzales
Source: The Journal of Real Estate Research
This study examines the eye movements of homebuyers searching for homes for sale on the Internet. Total dwell time (how long a person looks at the photo), fixation duration (time spent at each focal point), which significantly explain someone's opinion of the home and its value. The sections that are viewed first are the photo of the home, the description section, distantly followed by the real estate agent remarks section. AND FINALLY, charm pricing, the marketing technique where agents list properties at slightly less than round numbers, works in opposition to its intended effect and questions the wisdom of using a charm pricing marketing strategy.
Trường trung cấp bách khoa hà nội tuyển sinh lớp học lập trình android dài hạn và ngắn hạn đảm bảo đầu ra cho các sinh viên sau khi ra trường 100% có việc làm
http://bachkhoahanoi.edu.vn/tuyen-sinh/tuyen-sinh-lop-hoc-lap-trinh-android/287.html
The document reports on a Women's Economic Empowerment group discussion. It identifies key aspects of women's economic empowerment like employment, finance control, and decision making. Impediments include workload, education barriers, and social/cultural norms. Strategies proposed are increasing education/skills, development programs, and facilitating public sector access. Good practices discussed are thorough analysis, women's production groups, and developing service providers. The group discussed how to integrate women's economic empowerment into projects and what support is needed.
This is a crash course intended to quickly bring bloggers up to speed on today’s best practices for achieving the greatest mileage from your blog posts. Topics include:
*How influence works in the blogosphere
*Major applications of corporate blogs
*Developing a content model
*Generating ideas and unique angles
*Writing compelling headlines and entries
*Positioning and voice
*Why top business blogs are successful
*Unique characteristics of b-to-b markets
*Tricks for generating buzz and recognition
*Working with multiple media
This slide deck is the basis for a three-hour course that can be delivered live or remotely via webcast.
TEVIZZ - Football PSG-RSCA / Social TV AnalyticsTevizz
1) The document summarizes social media activity around a soccer match between PSG and RSC Anderlecht. It tracked 31,645 unique users who posted over 16,000 messages. Messaging volume peaked between 8:45pm-10:30pm.
2) Leonardo DiCaprio attended the match as a prestigious guest and was mentioned in many posts. Popular topics included goals by Zeeuw and Zlatan Ibrahimovic, the 1-1 scoreline, and DiCaprio's presence.
3) Most social media users discussing the match were from France (42%) and Belgium (15%), with smaller percentages from Indonesia and the US. Zlatan Ibrahimovic received
mLearning Initial Findings - Uganda October 2011Lauren-Jane
The document discusses mobile phone market research conducted in Uganda. It outlines the research structure which included expert interviews, focus groups, and surveys conducted over 4 weeks in both urban and rural areas. Charts show historical mobile subscription data and the current market shares of providers like MTN, Airtel, and Zain.
1) The document discusses the slippery slope of pursuing worldly wealth over godly principles. It contrasts the world's views on topics like ownership, involvement, debt, and role/responsibility with the biblical perspective.
2) God owns all things and is sovereign over all circumstances. Christians should be faithful stewards of their resources and possessions.
3) The bible encourages believers to find contentment through being faithful with little things, sharing with others, and trusting that God will never leave them.
This document is the introduction to a book on Greek grammar for colleges written by Herbert Weir Smyth. It explains that the book was brought to digital form by Textkit, an organization dedicated to creating Greek and Latin learning tools available on their website.
Creating and Growing Edible Schoolyards: A How to Manual for School Professio...antonis3q
This document provides guidance for creating edible schoolyards (school gardens) to increase children's consumption of fruits and vegetables. It discusses exploring a schoolyard initiative, including seeking administrative approval and forming an advisory committee. The manual then covers designing, planting, maintaining, and sustaining the schoolyard, as well as linking the garden to academic curriculum. The goal is for students to better understand where food comes from and increase their daily intake of healthy foods.
Fresh herbs can transform ordinary meals while offering health benefits from their antioxidants; they add flavor, color and nutrition to foods without extra calories when used as garnishes or toppings. The document provides tips on growing, storing, preparing and using various fresh herbs such as basil, chives, cilantro, dill, mint, oregano, parsley, rosemary, sage and thyme in combinations with different foods.
Medical Malpractice Insurance - what are the pitfalls?molysa15
This document discusses specialist insurance for cosmetic practitioners and common pitfalls that can lead to medical malpractice claims. It notes that poor patient selection, consent processes, and managing patient expectations and complications are areas of risk. Proper documentation of informed consent discussions is important to defend against potential claims. The most common procedures involved in claims are fat reduction, laser treatments, hyaluronic acid dermal fillers and botulinum toxin. A case study highlights the importance of documenting discussions of potential poor results to defend against an unsuccessful procedure claim. Key lessons focus on obtaining proper informed consent.
Search engine optimization (SEO) involves optimizing web content to make it more relevant for relevant search engine queries. Almost all websites that rely on online sales need SEO to improve business prospects, such as e-commerce sites, doctors' offices, and online tutors. Key factors in SEO include using a domain name related to main keywords, writing unique content, optimizing meta-tags, and organic link building. SEO best practices also avoid duplicate content and automated software, as well as black-hat techniques.
Brief overview of linked data, RDA, FRBR, big data and sharing data ; discussion followed (based on Alastair Croll's presentation at ALA). robin fay @georgiawebgurl ; peter murray (lyrasis)
This document provides resources for learning about predatory lending and shopping for a mortgage. It defines predatory lending as involving excessive fees and penalties that strip wealth from borrowers. Fees above 5% of the loan amount and prepayment penalties included in most subprime loans are highlighted as issues. The document lists several organizations that provide information on predatory lending, home buying, mortgages, and credit reports to help consumers make informed decisions.
Predatory lending refers to excessive lending practices that strip wealth from borrowers. Hallmarks include high fees over 5% of the loan amount and excessive prepayment penalties. It is wise for borrowers to understand loan terms like fees, prepayment penalties, and how interest rates on adjustable rate mortgages (ARMs) can change. Resources for researching lending practices and understanding mortgage options are provided.
Predatory lending involves abusive practices that exploit borrowers, often with subprime credit. Some signs of predatory loans include excessively high interest rates and fees, misleading terms, and loans that start with low payments that rapidly increase over time. To avoid predatory loans, home buyers should carefully compare loan options, ask questions about rates, fees, and long-term affordability, and work with reputable lenders and real estate agents.
This document provides information and advice for homeowners considering a short sale to avoid foreclosure. It warns that rescue scams promising to save a home often cost money with no results. It outlines options lenders may offer like loan modifications or allowing the home to be sold for less than owed. It advises homeowners to obtain legal counsel, understand tax implications, beware of committing waste to the property, and know a short sale may still leave debt owed and impact credit. Homeowners should investigate documentation needed, eligibility, amounts owed, the property value, and available programs before deciding if a short sale is their best option.
How To Invest In Nonperforming Mortgages For Financial & Social Gain 5 12 2015Jorge Newbery
Jorge Newbery, Founder & CEO of American Homeowner Preservation, shares a primer on How To Invest in Nonperforming Mortgages for Financial & Social Gain
The Federal Savings Bank is a federally chartered bank focused on providing home loans nationwide. They aim to help customers achieve home ownership through educated mortgage bankers. The bank offers various loan products and marketing support tools to help mortgage bankers succeed. They have a centralized process for applications, underwriting, and closing to give bankers control. The bank also provides an aggressive compensation plan and marketing department support to help bankers earn more money per loan than at other brokerages or banks.
To finance a Great American Cookies franchise, applicants must first sign a franchise agreement which provides the branded product and support system. Second, applicants should scout potential locations with the franchisor's assistance and consider total costs including fees, equipment, rent, and working capital. Finally, common financing methods include using personal cash, 401k rollovers, conventional loans, leasing, lending networks, and SBA loans which offer an 80% guarantee to mitigate risk for lenders. The total cost of a franchise is typically $154,500 to $237,750.
Dean Graziosi - 7 Ways to Finding Funding Right NowDean Graziosi
Find Funding Right Now - 7 Ways to Fund Your Deals In Today's Down Market..
We're going to give you specific go-to resources that will help you to locate financing in these seven major funding resource categories:
- Community Banks and Credit Unions
- Friends and Family
- Government Funding and Grants
- Investors
- Hard Money
- Lines of Credit
- Short Term Funding
This document outlines a presentation on securing funding from grants. It discusses current statistics on grant making in Australia, including that foundations are estimated to disperse between $500 million to $1 billion annually. It provides a 5 step process to grant seeking: organizational readiness, research, project matching, writing applications, and reporting. The presentation then explores different types of philanthropic organizations and how to find relevant grant makers. It offers tips for strong applications, such as adhering to guidelines, demonstrating need, effective evaluation, and relationship building.
This document discusses key issues and risks associated with using reverse mortgages for aging in place. It provides an overview of reverse mortgages, including consumer protections and counseling requirements. It also examines factors that affect the suitability of reverse mortgages for individual borrowers and risks of withdrawing large sums that can deplete equity and increase foreclosure risk. The document advocates for improving counseling and finding meaningful options to help older homeowners address financial needs while maintaining homeownership.
The document discusses various financing opportunities for social entrepreneurs, including crowdfunding, grants, impact investors, angel investors, customers, and bootstrapping. It provides examples of successful crowdfunding campaigns like the FORM1 3D printer and Nikola Tesla museum. The document also discusses how to determine funding needs and outlines the capital lifecycle. Social entrepreneurship is defined as applying entrepreneurial principles to create sustainable social change, rather than private profit.
Jason Graf discussed various types of equity and mezzanine financing for businesses. Equity financing involves selling ownership stakes in a company, such as through issuing shares, taking on partners, or working with venture capitalists. Mezzanine financing blends debt and equity by allowing lenders to convert to an ownership interest if the loan is not repaid. Mezzanine financing is typically used by larger and more established companies. Graf also provided examples of how he has helped structure different financing deals for various businesses.
Charles Dale is a graphic designer and owner of Dale Studios Creative Services. He has over 20 years of experience in graphic design, digital illustration, print production, and high resolution digital compositing. He specializes in logo design, branding, print materials, and promotional graphics. Dale also has experience in lapidary and glass work through his and his wife's business Dale Studios, where they create fused glass, lampwork beads, stained glass, and natural stone jewelry.
This document summarizes Stephen Dobson's financial and digital inclusion website and financial capability hub. The hub provides resources like money advice, credit counselling services, savings calculators and loan comparisons. It aims to help users with tasks like budgeting, saving for goals, finding affordable loans, and getting out of debt. The hub also shares case studies, a newsfeed, Q&As, webinars and information on financial inclusion initiatives and credit unions.
The document discusses why charities and nonprofits should consider social finance options beyond traditional grants and donations. It describes two cases where organizations needed funding quickly to address cash flow issues but were denied loans from banks. While grants will always be important, considering additional financing options could help stabilize and grow organizations. Social finance models from other places show that loans and investments for nonprofits can be successful, but the sector needs more support and resources to build infrastructure for these alternatives in Canada. The article argues that charities cannot focus only on immediate needs and should seek ways to build sustainability for the future through mechanisms like loans, if given proper assistance and opportunities.
Jason Eaton's Local Economy Action Plan for his ward in Syracuse, NY. Presented at the 2009 Financial Permaculture Course in Hohenwald, TN - Learn more at http://www.financialpermaculture.org
Differentiating In An Undifferentiated IndustryRod Brooks
This document discusses the marketing strategy and initiatives of PEMCO Insurance. It notes that PEMCO aims to differentiate itself in an undifferentiated industry by focusing on building strong local community relationships and empowering customers and agents to promote the brand through word-of-mouth marketing. Some key tactics mentioned include sponsoring numerous local events, empowering employees to support local causes, leveraging local retailers and services to promote shared community interests, and facilitating customer and agent engagement through service-oriented initiatives to generate positive conversations about the brand.
The National Debt Defenders Network announces a debt awareness summit in Florida to promote debt settlement options. Peter Kirschner, executive director of NDDN, says debt settlement can reduce debt by 50-70% within 12-36 months. NDDN has settled thousands of cases and only charges fees once debts are successfully negotiated, unlike other debt settlement firms. NDDN hopes the summit will help people understand their debt relief options and inspire best practices in the industry.
The document discusses refinancing an underwater mortgage and introduces Jill Berni and her real estate team. It provides Jill's mission statement, which is to provide exceptional real estate services and lifelong client relationships focused on solutions. It also shares satisfied client testimonials that praise Jill for helping them successfully sell a home and avoid foreclosure through refinancing.
This practical class covers types of foundations and grants, the basics of public and private sector research and grant seeking, checklist of information you'll need for most proposals, and tips and tricks to write an effective grant. By the end of the class, you’ll have the necessary information to research and submit proposals.
Grants as a Fundraising Tool
Are you Ready
Identify Funders
Elements of A Grant
Similar to FACING FORECLOSURE? What can I do? (20)
Kip Nance Only Way Realty Carolina Tabor City-NC Seller Listing PresentationKenneth "Kip" Nance
Realtor/Owner/ Broker in Charge Kenneth KIP Nance of Only Way Realty Carolina's listing presentation to home sellers. Kip covers the counties of Robeson, Bladen, Brunswick, and Columbus In North Carolina and the Horry County area of the Greater Grand Strand Area Including Myrtle BEach
North Carolina, with miles of beaches and beautiful mountains, is one of the bestand most attractive states in which to work, live and play. CNBC, Forbes, CEO
Magazine and Site
This certificate hereby attests that the
Southeast Regional Park
Columbus County, North Carolina
has met or exceeded the rigorous standards
necessary to be a Certified Food Site through the
Primus Builders, Inc. /Garner Economics, LLC
South Carolina has one of the lowest per capita tax rates in the country. The state's tax structure includes:
- A graduated individual income tax of 3-7% after the first $2,800 of income is exempt from tax. Several deductions are allowed including for retirement income and military pay.
- Property taxes on real and personal property assessed and collected locally. The average millage rate is 289 mills.
- A 6% state sales tax and possible additional local sales taxes. Several items are exempt including unprepared food and prescription drugs.
- No estate or gift taxes.
The document discusses job and career prospects in the Carolinas region. It notes that the automotive industry continues to grow strongly in South Carolina due to low taxes and unionization rates. Both North and South Carolina saw over 50,000 new jobs created in 2001 from $11 billion in investments. The health care sector has remained strong during the economic slowdown. Overall, the Carolinas are expected to outperform other parts of the country economically in the coming years due to growth in sectors like technology and research.
This document summarizes the details of an industrial property for sale located at 56 Industrial Blvd. in Whiteville, NC. The 48,000 square foot property sits on 7.76 acres and is listed for $3,495,000. It was formerly used as a tortilla manufacturer and features a 32,000 square foot manufacturing area with 12 foot ceilings, a 10,000 square foot warehouse with 25 foot ceilings, and a 6,000 square foot office area. The single building property has metal siding and a metal roof and includes sprinklers and air conditioning. It has access to water, sewer, gas, and electric utilities.
AVAILABLE! Tabor Industrial Park 10 Acres Available Highway 904 Tabor City, N...Kenneth "Kip" Nance
This 10-acre parcel in Tabor Industrial Park in Tabor City, NC is for sale for $12,000 per acre. It has access to town water and sewer lines, is certified as a North Carolina site, and is zoned for industrial use. The property is shovel ready and has access to highways, rail, airports, ports, gas and fiber optic lines for potential industrial or commercial development.
The R.C. Coleman Warehouse is located at 243 N. 701 ByPass in Tabor City, NC on 5 acres. It has 111,250 square feet, with 108,250 square feet of warehouse space, 3,000 square feet of office space, and was constructed in 1961 as a former tobacco auction warehouse. It is listed for sale at $1,000,000 with an annual lease rate of $1.35 per square foot.
Oak-Bark Corporation (Pharmaceutical Products Division) For SaleKenneth "Kip" Nance
This listing is for an industrial property suitable for pharmaceutical manufacturing. The Oak-Bark Corporation property consists of 5,525 square feet on 1.15 acres in Delco, North Carolina. It has 2,500 square feet of manufacturing space with 16-foot ceilings, 2,500 square feet of warehouse space with 22-foot ceilings, and 525 square feet of office space. The property was constructed in 2002 and formerly manufactured pharmaceutical excipients. It has two buildings, structural steel plate exterior and roof, fluorescent lighting, two 12x12 drive-in doors, and is expandable.
This listing summarizes a 100,000 square foot warehouse property for sale in Tabor City, NC for $600,000. The single-story warehouse was constructed in 1974 and features a 25 foot ceiling height, 3 dock doors, sprinklers, and town water/sewer access. The property sits on 13.96 acres near highways 701 and I-95.
This 21.45 acre property in Whiteville, NC consists of 3 main industrial buildings totaling 129,868 square feet. The list price is $1,750,000 with an annual lease rate of $2.55 per square foot. Building details include ceiling heights ranging from 18-36 feet, concrete floor thicknesses of 6 inches, and column spacing of 30-47 feet. The property was constructed in 1998 and has water, sewer, electric, natural gas, and fiber optic connections.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help alleviate symptoms of mental illness and boost overall mental well-being.
This document provides a list of over 30 child care providers in Columbus County, North Carolina. It includes the names and contact information of day cares, preschools, and home day cares in towns throughout the county such as Bolton, Chadbourn, Cerro Gordo, Clarendon, Delco, Hallsboro, Lake Waccamaw, Riegelwood, Tabor City, and Whiteville. Many of the providers are open from 6am to 6pm on weekdays to accommodate parents' work schedules. The guide aims to support families in need of affordable, reliable child care services.
This flyer is advertising a 3 bedroom, 3 bathroom home located at 912 Futrell St in Loris, SC for $249,867. The 2056 square foot home was built in 2006 and features a master suite, living room, dining room/kitchen, foyer, sitting room, laundry room, and two additional bedrooms each with walk-in closets. The home has a large covered front and rear porch, an in-ground swimming pool, patio area, and gazebo. It is located outside of Loris in a subdivision with no homeowners association or dues.
1. WATCH OUT FOR PREDATORY LENDERS ADDITIONAL RESOURCES COUNSELING RESOURCES
Here are some warning signs: For immediate advice, call 888.995.HOPE to speak to a Nonprofit organizations and other experts dedicated to
counselor on how to avoid foreclosure. Available in English and helping consumers avoid foreclosure can be invaluable.
• Sounds too easy. “Guaranteed approval” or “no income
Spanish, 24/7. Or visit www.995hope.org for more information.
verification” regardless of borrower’s current employment, • Consider contacting your attorney or a local Legal Aid The National Association of REALTORS®,
credit history, and assets. These claims indicate the lender HUD Resources: office, especially if you have reason to believe you were the “The Voice for Real Estate,” is America’s largest trade
doesn’t care about whether you can afford to make the • List of HUD-approved counseling agencies: victim of questionable lending practices. A good place to association, representing more than 1.2 million members
payments over the long haul. www.hud.gov/counseling. start is at www.lawhelp.org. involved in all aspects of the residential and commercial
real estate industries. For more information, visit
• Excessive fees. Higher lender and/or mortgage broker • “How to Avoid Foreclosure” (aimed at FHA borrowers but • NeighborWorks® organizations work with the
www.REALTOR.org.
fees than are typical in your market. Because these costs can help others as well). www.hud.gov/foreclosure. Homeownership Preservation Foundation to offer a
can be financed as part of the loan, they are easy to Freddie Mac: “Keeping Your Home, Protecting Your nationwide assistance number—888.995.HOPE. You can The Center for Responsible Lending is a nonprofit,
disguise or downplay. On competitive loans, fees may be Investment.” Go to www.freddiemac.com and search for speak with a counselor, day or night, to help you get back nonpartisan research and policy organization dedicated to
negotiable. It is common for home buyers to pay only this brochure by typing in the full name of the brochure. on track financially. (English and Spanish) protecting homeownership and family wealth by working
1 percent of the loan amount for prime loans. By contrast, to eliminate abusive financial practices. CRL is affiliated
Ginnie Mae: For a simple calculator to help home buyers • Reputable counseling agencies, such as NeighborWorks®
a typical predatory loan may cost 5 percent or more. with Self-Help, one of the nation’s largest community
estimate how much they can afford to spend, read “How organizations, can help you avoid foreclosure. Look up
development financial institutions. For more information,
• Large future costs. High-risk adjustable rate mortgages Much Home Can You Afford?” http://www.GinnieMae.gov. your nearest NeighborWorks® organization at www.nw.org.
where the payment rises a lot after the initial interest rate “Looking for the Best Mortgage” is a brochure issued by
visit www.ResponsibleLending.org. ARE YOU HAVING PROBLEMS
• The U.S. Department of Housing and Urban Development
period are seldom appropriate for families who already
have had problems repaying other loans. Home buyers
11 federal agencies on how to shop, compare, and negotiate
the best deal on a home loan.
(HUD) website has a list of HUD-approved counseling
®
NeighborWorks America creates opportunities
for people to improve their lives and strengthen their
PAYING YOUR MORTGAGE?
WHEN YOU SHOP FOR A MORTGAGE,
organizations, by state (www.hud.gov/counseling). We
should avoid “balloon” payments (a lump sum due at the
end of the loan’s term).
www.federalreserve.gov/pubs/mortgage/mortb_1.htm.
recommend that the list be used as a starting point to find
communities by providing access to homeownership
and to safe and affordable rental housing. For more
“DO YOUR HOME WORK ”
Americans for Fairness in Lending: To find consumer good counselors. You also can call 800.569.4287 or TDD
information, visit www.NW.org.
• Closing delays. The lender delays closing, so your resources related to a variety of lending issues, go to 800.877.8339.
commitment on a reasonably priced loan expires. www.affil.org.
Watch out for questionable counseling companies who
• Over-valued property. Inflated appraisals that allow Center for Responsible Lending focuses on predatory advertise that, for a minimal fee, they will hire a lawyer to
excessive fees to be included in the loan and result in the lending with consumer resources here: defend the foreclosure in court or negotiate lender assistance
www.foreclosurelegalassistance.org/resources. Learn How to Avoid Foreclosure
borrower owing more to the bank than the home is worth. on your behalf. You should call a HUD-approved counseling
Consumer Handbook on Adjustable Rate Mortgages organization, a local NeighborWorks® organization, and Keep Your Home
• Barriers to refinancing. Prepayment penalties that make
(the “CHARM” booklet) issued by the Federal Reserve or 888.995.HOPE before you pay or sign anything.
it hard for a borrower to refinance in order to pay off
Board (FRB) and the Office of Thrift Supervision (OTS). October 2008
a high-cost loan by refinancing into a low-cost loan. http://www.FederalReserve.gov. At the FRB site, click on Item # 126-126
• No down payment loans. These loans may be split into “publications and education resources” and then on
two mortgages, with one having a much higher cost. “consumer information brochures.”
Center for Responsible Lending NeighborWorks® America
Home buyers should be sure they can afford the payments. Credit-reporting agencies: 910 17th Street NW Suite 500
, 1325 G St., NW Suite 800
,
• Equifax 800.685.1111 www.Equifax.com Washington, DC 20006 Washington, DC 20005
• Unethical document management. Ethical lenders and
• Experian 888.397.3742 www.Experian.com
brokers always require you to sign key loan papers, and
• TransUnion 800.916.8800 www.TransUnion.com
never ask you to sign a blank document or a document National Association of REALTORS®
dated before the date you sign. Go to www.AnnualCreditReport.com to ask for a free copy 500 New Jersey Avenue, NW
of your credit report, once a year, or call 877.322.8228. See Washington, DC 20001
also www.FTC.gov.
2. ®
IF YOU’RE HAVING TROUBLE PAYING TALK TO YOUR LENDER OR SERVICER HOW REALTORS CAN HELP MORTGAGES WITH “PAYMENT SHOCK” WHAT IF I CAN ONLY SELL MY PROPERTY
YOUR MORTGAGE, YOU’RE NOT ALONE Talking to the lender, or loan servicer, the company that collects the
FOR LESS THAN I OWE MY LENDER?
REALTORS® are in the business of helping people become The best defense against a bad mortgage is avoiding loans
For decades, homeownership has benefitted families and payments, should be one of your first steps. The earlier you call, the homeowners and want to do everything they can to make that can quickly ratchet up the monthly payment. Mortgages If you are struggling with your home loan and the value of the
communities all over America with greater stability, economic better your chance to work out a solution. Here are some options: sure you can afford to stay in your home. like these can give you a “payment shock”: property is less than the mortgage amount, make sure you explore
prosperity, safer neighborhoods, better educational all options with your servicer, as well as an attorney or a housing
• Loan Modification. Loan servicers can help you catch up on • The best and least expensive option may be working with • 2/28s and 3/27s. A 2/28 or 3/27 adjustable rate mortgage
opportunities, and even improved health. The recent increase counselor. In some cases, REALTORS® can help explain to the
late payments or amend your mortgage to make it more the company that collects payments on your mortgage (the gives the borrower a fixed payment for the initial two- or
in foreclosures threatens previous gains made in lender why it makes sense to sell the property for the best price
affordable. For homeowners who face losing their home, a loan loan servicer, which often is not your original lender). three-year period before becoming an adjustable rate
homeownership, as millions of families who had hoped for and then forgive the remainder of the debt.
modification is often the most effective way to avoid foreclosure. mortgage. After the initial period, your mortgage payments
sustainable homeownership are now struggling to pay their The options include: • If your loan servicer isn’t willing or able to help, check Until recently, the amount of debt the lender cancelled was treated
typically adjust up, often substantially, every six months.
mortgages. This brochure is designed as a quick reference for into refinancing your current mortgage with another as income when you filed your tax return. REALTORS® and others
resources to help families who are at risk of foreclosure, and ° Adding all the missed payments to the loan amount and lender. REALTORS® can help you find lenders that make • Interest-Only. An interest-only mortgage lets you pay only helped pass legislation that will prevent this tax burden from being
changing the monthly payment to cover the larger loan.
also provides information on how to avoid the type of loans fair and affordable loans. the interest on the loan for the first 5 or 10 years and placed on eligible homeowners who are relieved of their obligation
most likely to lead to trouble. ° Giving you more years to pay off the loan, lowering the nothing to pay off the loan amount (principal). After the to pay some portion of their mortgage debt between January 1,
interest rate, and/or forgiving part of the loan, to lower • Ask your REALTOR® or counselor if there are state and
interest-only period, the mortgage requires much higher 2007 and December 31, 2012. Full relief is available only if the
If you are having trouble paying your mortgage for any reason, your monthly payment. local government and local nonprofit organization
payments covering both interest and principal that must be amount of forgiven debt does not exceed the debt that was used to
or expect problems, you should work with your loan servicer ° Switching from an adjustable rate mortgage to a fixed rate foreclosure prevention programs and who to call.
repaid over the remaining years of the loan. acquire, construct, or rehabilitate a principal residence. Other limits
(the company that collects payments on your mortgage) or mortgage, so you can avoid higher monthly payments.
• Counseling agencies are in the business of helping also apply; consult your tax adviser or IRS guidelines for details.
other experts to find a solution now. If you fall behind and ° Requiring amounts for taxes and insurance to be included • Payment Option Adjustable Rate Mortgages.
borrowers like you. Check out Counseling Resources. Some lenders may require you to sign a promissory note for the
don’t take action, the lender will foreclose on your home. If with your monthly mortgage payment so you avoid big bills “Payment option” mortgages allow a number of different
that happens, you may lose your home and all of the money in addition to your mortgage. • Remember, you should shop just as carefully for a payment options each month, including paying less than the difference between the value of the home and the amount owed.
you have already invested in it. The sooner you act, the better mortgage as you do for a car or anything else you buy. amount of interest due. The unpaid interest gets added to the Before you sign any documents, seek the advice of a housing
Other options include these: counselor or lawyer.
the chances you will avoid foreclosure. Getting the lowest possible rate and fees can save you total owed, which over time can quickly snowball into an
• Repayment Plan. If you can start making payments to catch many thousands of dollars over the life of the loan. unaffordable loan. When the unpaid portion comes due,
The Center for Responsible Lending estimates that over 2 FIND OUT MORE: QUICK REFERENCES
up, the lender may let you pay an additional amount each these mortgages can have an especially big payment shock.
million American households with subprime mortgages have • Sometimes the only option is selling the home. Of course, FOR CONSUMERS
month until you are caught up.
lost or will lose their homes by the end of 2009. Their no one is better at helping a seller than a REALTOR®. It is Be careful if your mortgage has any of the following features: To help educate home buyers and homeowners about today's
neighbors will suffer financial losses, too, as these foreclosures • Forbearance. Lenders may let you make a partial payment, better to sell than go through foreclosure because (1) you mortgage options, the National Association of REALTORS® (NAR)
cause nearby property values to drop by $356 billion. or skip payments, if you have a reasonable plan to catch up. Tell can profit from any equity that remains in the home, and ° A “teaser rate” or “no interest” period that expires and
leads to a big jump in your monthly payment. and the Center for Responsible Lending have produced a series of
your lender if you expect a tax refund, a bonus, or a new job. (2) it will be easier to qualify for credit in the future and consumer information brochures. This is one of a series, which
This brochure will help you understand your options and give
buy another home. ° An option to pay less than the full interest due in any also includes:
you tips on how to avoid losing your home—regardless of what • Reinstatement. Reinstatement refers to making a payment
given month.
kind of mortgage you have. that covers all your late payments, usually at the end of a • How to Avoid Predatory Lending
forbearance period. Be wary of advertisements like “Cash for Houses/Any ° An adjustable interest rate with very high limits on the • Specialty (Nontraditional) Mortgages: What Are the Risks
Situation” or “We Buy Houses for Cash.” Many of these amount your payment can go up.
Sign Over the Property to the Lender in Exchange for Debt are scams that falsely promise rescue from a foreclosure. and Advantages?
If you’re in trouble,
Forgiveness (often called “deed in lieu of foreclosure”). This can Unfortunately, the “rescue” often involves the homeowner ° A monthly payment that doesn’t include an amount • Traditional Mortgages: Understanding Your Options
call an attorney, your signing over the house and the family being evicted from
hurt your credit, but is better than having a foreclosure in your for property taxes and homeowners insurance. This
local Legal Aid office, its home. NAR also has issued a brochure in partnership with HUD’s
credit history. means you may be hit with big bills you didn’t expect.
or 888.995.HOPE Federal Housing Administration:
Watch out for companies that ask you to sign papers that waive ° A prepayment penalty that requires you to pay the • FHA Improvements Benefit You
your right to pursue legal actions against them—especially if lender a penalty fee if the mortgage is refinanced or
you expect to continue struggling with your home loan. otherwise paid off before a specified period. You can find all the brochures on NAR’s website
(go to www.REALTOR.org/subprime).