Most people never apply for this FREE GRANT MONEY because they assume they won’t qualify, they think it’s a hassle to get it, or they simply don’t even know how to try.
Robert Zdenek & Sehar Siddiqi, National Neighbors Silver of NCRCkarenskali
The document discusses the need for age-friendly banking practices to better serve the growing older adult population. It summarizes research finding that banks lack comprehensive products and services for older customers and many experience fraud and abuse. The National Community Reinvestment Coalition advocates for principles like protecting older adults from fraud, customizing financial products for seniors, and facilitating aging at home through loans for home modifications. Next steps include further research, local campaigns, and encouraging regulators to incorporate age-friendly banking standards.
1) The document provides feedback on the Positive for Youth policy from ADCS, noting both strengths like the overall vision of a society positive for youth, and weaknesses like lack of detail and enforcement.
2) It identifies threats to youth services like ongoing funding squeezes and short term focus, as well as opportunities in schools and the costs of care.
3) In conclusion, it states the funding environment is very challenging but youth work must continue to demonstrate its impact and meet the challenges ahead for the sake of young people.
Local government and municipal bond markets are a disconnected, patchwork quilt of legacy systems and silos of private syndicate networks. This creates significant inefficiency, a lack of secondary market liquidity, and exclusions costing issuers and investors billions of dollars annually.
OUR SOLUTION
For municipal government bond market participants, CommuniBond is a public debt issuance, management, and trade settlement software ecosystem. We are working to automate the issuance process to lower costs and increase speed to market with capital needs and funding opportunities.
This document discusses social impact bonds (SIBs), which use private investment to fund preventative social services. SIBs require upfront investment, evidence-based activities, and repayment to investors only if improved outcomes are achieved. The document notes Newcastle's interest in SIBs to increase preventative funding, generate savings, and encourage collaboration. Challenges include ensuring activities directly improve measurable outcomes and that commissioners repay investors. Newcastle has issued a call for SIB proposals focused on innovation to improve citywide outcomes across areas like homelessness, health, community safety, and skills.
The Welfare Reform Act 2012 introduces wide-ranging reforms including Universal Credit to replace many benefits. Universal Credit aims to simplify the system and make work pay. However, Platform 51 is concerned that some aspects could negatively impact women, such as joint payment of Universal Credit potentially enabling financial abuse, and reduced support for those fleeing domestic violence. Platform 51 will monitor these impacts and advocate for policies that better support women and end child poverty.
Robert Zdenek & Sehar Siddiqi, National Neighbors Silver of NCRCkarenskali
The document discusses the need for age-friendly banking practices to better serve the growing older adult population. It summarizes research finding that banks lack comprehensive products and services for older customers and many experience fraud and abuse. The National Community Reinvestment Coalition advocates for principles like protecting older adults from fraud, customizing financial products for seniors, and facilitating aging at home through loans for home modifications. Next steps include further research, local campaigns, and encouraging regulators to incorporate age-friendly banking standards.
1) The document provides feedback on the Positive for Youth policy from ADCS, noting both strengths like the overall vision of a society positive for youth, and weaknesses like lack of detail and enforcement.
2) It identifies threats to youth services like ongoing funding squeezes and short term focus, as well as opportunities in schools and the costs of care.
3) In conclusion, it states the funding environment is very challenging but youth work must continue to demonstrate its impact and meet the challenges ahead for the sake of young people.
Local government and municipal bond markets are a disconnected, patchwork quilt of legacy systems and silos of private syndicate networks. This creates significant inefficiency, a lack of secondary market liquidity, and exclusions costing issuers and investors billions of dollars annually.
OUR SOLUTION
For municipal government bond market participants, CommuniBond is a public debt issuance, management, and trade settlement software ecosystem. We are working to automate the issuance process to lower costs and increase speed to market with capital needs and funding opportunities.
This document discusses social impact bonds (SIBs), which use private investment to fund preventative social services. SIBs require upfront investment, evidence-based activities, and repayment to investors only if improved outcomes are achieved. The document notes Newcastle's interest in SIBs to increase preventative funding, generate savings, and encourage collaboration. Challenges include ensuring activities directly improve measurable outcomes and that commissioners repay investors. Newcastle has issued a call for SIB proposals focused on innovation to improve citywide outcomes across areas like homelessness, health, community safety, and skills.
The Welfare Reform Act 2012 introduces wide-ranging reforms including Universal Credit to replace many benefits. Universal Credit aims to simplify the system and make work pay. However, Platform 51 is concerned that some aspects could negatively impact women, such as joint payment of Universal Credit potentially enabling financial abuse, and reduced support for those fleeing domestic violence. Platform 51 will monitor these impacts and advocate for policies that better support women and end child poverty.
This document discusses the development of a Korea-style mud boat for marine tourism by the Honam Sea Grant Program. It describes the program's research on 11 eco-tourism villages which found that current mudflat tours pose safety and environmental issues. The program worked with experts and locals to develop a safer, more comfortable and eco-friendly mud boat concept. The final design was a 4.71m hybrid-powered boat that can carry 4 adults across mudflats, water and roads, helping promote the Honam Sea Grant Program's mission of life, science and happiness from the sea.
Presentation of Dimitris Lemonakis President of PCCI's Export Department PireausASCAME
Presentation: Looking beyond the sea- Port, City and Cruise Tourism
Connecting the dotes a perspective from Piraeus
The Mediterranean Ports Summit is organised by the Association of Mediterranean Chambers of Commerce and Industry (ASCAME), the Consorci de la Zona Franca de Barcelona with the collaboration of Barcelona Chamber in the framework of SIL2015.
The Mediterranean Port Summit 2015 is the largest annual Ports and Shipping conferences throughout Europe, the Middle East and Africa. This event in Barcelona is the gathering of maritime industry leaders. The program features many top industry professionals sharing their perspectives on port investments and terminal developments around the region, providing invaluable insights into the numerous opportunities in this sector of Commerce.
The Mediterranean Ports and Shipping Summit focused on key concepts such as institutional and fiscal reforms; the construction, extension and modernization of port platforms; the search for management and collaboration systems; the promotion of alliances to strengthen the position of world leadership; Mediterranean Ports a Gateway to Europe, Asia and Africa; the Port, City and Cruise Tourism, as well as the response of Mediterranean ports to the challenges brought by 800 million people.
The document provides a summary of the master plan for tourism development in Kuchchaweli Town, Trincomalee District, Sri Lanka. It was prepared by the Urban Development Authority within one month based on field visits and interviews with relevant stakeholders. The plan proposes developing the area into an integrated green resort with hotels, recreational activities, a golf course, and conservation of cultural and natural resources. It identifies short, medium, and long-term projects and provides guidelines for sustainable tourism development and conservation of historical sites.
The document discusses India's policies and efforts around the 3Rs (Reduce, Reuse, Recycle) for waste management. It outlines India's waste hierarchy and national policies promoting the 3Rs. Significant achievements include the Charter on Corporate Responsibility for Environmental Protection partnership between the government and industry. Recommendations focus on assessing waste generation impacts, prioritizing reduction and strict enforcement of waste tracking and authorization. The success of 3R initiatives depends on integrating policies around investment, production, and public participation.
This document discusses different approaches and principles for planning tourism destinations at the community level. It covers planning for resorts, urban tourism, special interest tourism like adventure tourism, and other forms of tourism. The key approaches discussed include basic resort planning, regional relationships, site environmental analysis and community relationships, and determining land use and infrastructure needs. Specific principles and steps in the planning process are also outlined.
The document discusses the Ayla Oasis Construction Project in Aqaba, Jordan. It includes:
- An overview of the project which involves expanding the shoreline and building hotels, apartments, villas, and a golf course.
- Details on the phases, costs, partners involved, and economic and environmental goals of transforming Aqaba into a tourism destination.
- Analyses of the project's potential impacts such as increasing employment, GDP, and cargo volumes at the port of Aqaba.
This document discusses construction project management. It begins with an introduction to project management and its goals of completing projects on time, within budget and to quality standards. It then outlines the typical steps in project management including initiation, planning, construction and closeout. It discusses working with project teams and techniques for scheduling like Gantt charts. The document also covers project budgeting, planning tools like Building Information Modeling (BIM), and concludes with case studies of large construction projects like Burj Khalifa that achieved tight schedules through use of new technologies and project management best practices.
Beyond the Gig Economy: How New Technologies Are Reshaping the Future of WorkThumbtack, Inc.
The document discusses how new technologies are reshaping the future of work. It notes that the economy is shifting from large manufacturing employers to smaller service businesses. This has produced a bifurcation in the labor market, with those without college degrees facing worse job prospects. However, skilled professionals who can do specialized non-routine jobs are poised to be the new middle class. Online marketplaces help match these skilled workers with clients and have grown more popular, though skilled workers still face challenges that policymakers could help address through initiatives like skills training and benefits not tied to employers.
This document provides information about paying for college, types of financial aid, the financial aid process, managing credit cards, credit reports and scores, budgeting, and benefits programs. It discusses the average costs of attending public and private colleges, the types of financial aid including loans, grants, scholarships, and work study. It also outlines the eligibility requirements for federal aid and the steps to complete the FAFSA form. The document provides tips for managing credit cards, understanding credit reports and credit scores, calculating net worth, creating a budget, budget tips, and information on benefits programs in Texas.
This webinar discusses strategies for catching up on retirement savings for those who started saving later in life. It covers retirement planning realities like how many people have less than $25,000 saved excluding their home and pension. Catch-up strategies discussed include increasing retirement plan contributions, paying down debt to free up money for savings, taking on a side job to boost income, investing more aggressively in stocks when time allows, and maximizing available tax breaks. The webinar aims to encourage action and provide optimism that late savers still have options.
Pay-for-Success Initiatives for Early Childhood Programsmdanielsfirstfocus
Evidence-based early childhood programs, such as home visiting and high-quality preschool, hold enormous promise to improve the early health, education, and development of at-risk children, helping them and their parents break the cycle of intergenerational poverty. Although Congress has increased investments in early childhood programs, these services reach only a fraction of the low-income children and families who could benefit from them. Pay-for-success initiatives, in which the government pays for set outcomes rather than social services, is quickly becoming a mechanism for local and state governments to finance evidence-based early childhood services for children and families. This webinar describes the basic concepts of pay-for-success initiatives and explores the goals, components, and status of three pay-for-success projects currently in development and in operation involving preschool and home visiting programs.
The Investment Case For Financial InclusionElena Thomas
As part of the World Bank MOOC on Development Finance - this document makes the case for development financing to enhance social microfinance and bridge the gap from social to commercial financial services as a way to reduce poverty and build local economies.
Homeowners in Distress: Preventing Foreclosuressondramilkie
1) The document discusses strategies to prevent homeowner foreclosures, including educational materials, counseling programs, and policy approaches.
2) It provides data on foreclosure rates in Wisconsin counties and discusses the financial and emotional toll of foreclosure on homeowners.
3) In Dane County, a task force was formed with various groups to develop coordinated prevention, intervention, and stabilization efforts like workshops, a mediation program, and identifying neighborhoods impacted by many foreclosures.
- Unpaid HECS (Higher Education Contribution Scheme) student loan debt in Australia is predicted to exceed $70 billion by 2017, with 25% expected to never be repaid. The growing debt poses economic issues for Australia.
- Current measures aim to increase repayment rates, such as requiring Australians living overseas to register with the tax office and repay loans. However, there is no penalty for failing to register.
- The author proposes several solutions to reduce HECS debt, such as offering higher voluntary repayment bonuses, recovering debt from deceased estates, lowering the repayment threshold, and reducing loans offered to underperforming degrees. These solutions remain controversial and politically difficult.
The 2013 campaign platform of the City of New Haven outlines several policy initiatives across multiple areas:
1) Improve education by increasing early childhood resources, ensuring reading proficiency by 3rd grade, and implementing a digital learning plan.
2) Strengthen the local economy by creating a business incubator, enhancing waterfront development, and improving transportation.
3) Reform public safety through programs to reduce recidivism and gang violence, use of a violent offender registry, and increased policing of high-crime areas.
This business presentation discusses Financial Education Services, a company that provides financial education and identity/credit protection services. It highlights how many people are struggling financially due to high debt, lack of savings, and economic challenges. The presentation then outlines FES's products and services that help people improve their credit, pay off debt, protect their identity, create wills/trusts, and gain financial literacy. It describes the compensation plan for becoming an FES agent, including commissions, bonuses and potential residual income. Agents receive training and support from FES University. The presentation concludes by outlining the 4 steps to becoming an FES agent.
Your Bottom Line: A Small Business Approach to Accessing Credit and Navigatin...Small Business Majority
Small Business Majority's Illinois webinar presentation. This webinar provided tips about accessing traditional bank loans and state and federal programs that may be right for small business. We also talked about some long-term policy solutions that could ensure that small businesses get the credit they deserve. We also discussed what the new healthcare law, the Affordable Care Act, means for Illinois small business.
Community Development Financial Institutions (CDFIs) such as banks, credit unions, and loan funds strive to foster economic opportunity and revitalize low-income neighborhoods by providing financing to support families' first homes, small businesses, and community centers. The US Treasury Department manages the CDFI Fund, which provides targeted funds to help low-income areas and certified CDFIs. Frankenmuth Credit Union uses these funds to offer innovative financing programs like their MIhome Mortgage program that provides flexible home loans in underserved areas and their MIGrow Business Loan program for startups and expansions of farmers markets and groceries in food deserts.
Universal Credit is the UK's new working-age benefit system that aims to simplify the previous complex system of benefits and tax credits. It consolidates 6 benefits into one monthly payment administered through an online system. The goals are to make work pay, reduce poverty and fraud, and incentivize people into employment. However, its rollout has been problematic, with many claimants experiencing difficulties accessing payments and hardship. Evaluations show improvements in employment for some but significant issues remain regarding delivery and the system has not proven its value for money. There is ongoing debate around whether Universal Credit is achieving its original aims and meeting the needs of the 21st century job market.
This document discusses the development of a Korea-style mud boat for marine tourism by the Honam Sea Grant Program. It describes the program's research on 11 eco-tourism villages which found that current mudflat tours pose safety and environmental issues. The program worked with experts and locals to develop a safer, more comfortable and eco-friendly mud boat concept. The final design was a 4.71m hybrid-powered boat that can carry 4 adults across mudflats, water and roads, helping promote the Honam Sea Grant Program's mission of life, science and happiness from the sea.
Presentation of Dimitris Lemonakis President of PCCI's Export Department PireausASCAME
Presentation: Looking beyond the sea- Port, City and Cruise Tourism
Connecting the dotes a perspective from Piraeus
The Mediterranean Ports Summit is organised by the Association of Mediterranean Chambers of Commerce and Industry (ASCAME), the Consorci de la Zona Franca de Barcelona with the collaboration of Barcelona Chamber in the framework of SIL2015.
The Mediterranean Port Summit 2015 is the largest annual Ports and Shipping conferences throughout Europe, the Middle East and Africa. This event in Barcelona is the gathering of maritime industry leaders. The program features many top industry professionals sharing their perspectives on port investments and terminal developments around the region, providing invaluable insights into the numerous opportunities in this sector of Commerce.
The Mediterranean Ports and Shipping Summit focused on key concepts such as institutional and fiscal reforms; the construction, extension and modernization of port platforms; the search for management and collaboration systems; the promotion of alliances to strengthen the position of world leadership; Mediterranean Ports a Gateway to Europe, Asia and Africa; the Port, City and Cruise Tourism, as well as the response of Mediterranean ports to the challenges brought by 800 million people.
The document provides a summary of the master plan for tourism development in Kuchchaweli Town, Trincomalee District, Sri Lanka. It was prepared by the Urban Development Authority within one month based on field visits and interviews with relevant stakeholders. The plan proposes developing the area into an integrated green resort with hotels, recreational activities, a golf course, and conservation of cultural and natural resources. It identifies short, medium, and long-term projects and provides guidelines for sustainable tourism development and conservation of historical sites.
The document discusses India's policies and efforts around the 3Rs (Reduce, Reuse, Recycle) for waste management. It outlines India's waste hierarchy and national policies promoting the 3Rs. Significant achievements include the Charter on Corporate Responsibility for Environmental Protection partnership between the government and industry. Recommendations focus on assessing waste generation impacts, prioritizing reduction and strict enforcement of waste tracking and authorization. The success of 3R initiatives depends on integrating policies around investment, production, and public participation.
This document discusses different approaches and principles for planning tourism destinations at the community level. It covers planning for resorts, urban tourism, special interest tourism like adventure tourism, and other forms of tourism. The key approaches discussed include basic resort planning, regional relationships, site environmental analysis and community relationships, and determining land use and infrastructure needs. Specific principles and steps in the planning process are also outlined.
The document discusses the Ayla Oasis Construction Project in Aqaba, Jordan. It includes:
- An overview of the project which involves expanding the shoreline and building hotels, apartments, villas, and a golf course.
- Details on the phases, costs, partners involved, and economic and environmental goals of transforming Aqaba into a tourism destination.
- Analyses of the project's potential impacts such as increasing employment, GDP, and cargo volumes at the port of Aqaba.
This document discusses construction project management. It begins with an introduction to project management and its goals of completing projects on time, within budget and to quality standards. It then outlines the typical steps in project management including initiation, planning, construction and closeout. It discusses working with project teams and techniques for scheduling like Gantt charts. The document also covers project budgeting, planning tools like Building Information Modeling (BIM), and concludes with case studies of large construction projects like Burj Khalifa that achieved tight schedules through use of new technologies and project management best practices.
Beyond the Gig Economy: How New Technologies Are Reshaping the Future of WorkThumbtack, Inc.
The document discusses how new technologies are reshaping the future of work. It notes that the economy is shifting from large manufacturing employers to smaller service businesses. This has produced a bifurcation in the labor market, with those without college degrees facing worse job prospects. However, skilled professionals who can do specialized non-routine jobs are poised to be the new middle class. Online marketplaces help match these skilled workers with clients and have grown more popular, though skilled workers still face challenges that policymakers could help address through initiatives like skills training and benefits not tied to employers.
This document provides information about paying for college, types of financial aid, the financial aid process, managing credit cards, credit reports and scores, budgeting, and benefits programs. It discusses the average costs of attending public and private colleges, the types of financial aid including loans, grants, scholarships, and work study. It also outlines the eligibility requirements for federal aid and the steps to complete the FAFSA form. The document provides tips for managing credit cards, understanding credit reports and credit scores, calculating net worth, creating a budget, budget tips, and information on benefits programs in Texas.
This webinar discusses strategies for catching up on retirement savings for those who started saving later in life. It covers retirement planning realities like how many people have less than $25,000 saved excluding their home and pension. Catch-up strategies discussed include increasing retirement plan contributions, paying down debt to free up money for savings, taking on a side job to boost income, investing more aggressively in stocks when time allows, and maximizing available tax breaks. The webinar aims to encourage action and provide optimism that late savers still have options.
Pay-for-Success Initiatives for Early Childhood Programsmdanielsfirstfocus
Evidence-based early childhood programs, such as home visiting and high-quality preschool, hold enormous promise to improve the early health, education, and development of at-risk children, helping them and their parents break the cycle of intergenerational poverty. Although Congress has increased investments in early childhood programs, these services reach only a fraction of the low-income children and families who could benefit from them. Pay-for-success initiatives, in which the government pays for set outcomes rather than social services, is quickly becoming a mechanism for local and state governments to finance evidence-based early childhood services for children and families. This webinar describes the basic concepts of pay-for-success initiatives and explores the goals, components, and status of three pay-for-success projects currently in development and in operation involving preschool and home visiting programs.
The Investment Case For Financial InclusionElena Thomas
As part of the World Bank MOOC on Development Finance - this document makes the case for development financing to enhance social microfinance and bridge the gap from social to commercial financial services as a way to reduce poverty and build local economies.
Homeowners in Distress: Preventing Foreclosuressondramilkie
1) The document discusses strategies to prevent homeowner foreclosures, including educational materials, counseling programs, and policy approaches.
2) It provides data on foreclosure rates in Wisconsin counties and discusses the financial and emotional toll of foreclosure on homeowners.
3) In Dane County, a task force was formed with various groups to develop coordinated prevention, intervention, and stabilization efforts like workshops, a mediation program, and identifying neighborhoods impacted by many foreclosures.
- Unpaid HECS (Higher Education Contribution Scheme) student loan debt in Australia is predicted to exceed $70 billion by 2017, with 25% expected to never be repaid. The growing debt poses economic issues for Australia.
- Current measures aim to increase repayment rates, such as requiring Australians living overseas to register with the tax office and repay loans. However, there is no penalty for failing to register.
- The author proposes several solutions to reduce HECS debt, such as offering higher voluntary repayment bonuses, recovering debt from deceased estates, lowering the repayment threshold, and reducing loans offered to underperforming degrees. These solutions remain controversial and politically difficult.
The 2013 campaign platform of the City of New Haven outlines several policy initiatives across multiple areas:
1) Improve education by increasing early childhood resources, ensuring reading proficiency by 3rd grade, and implementing a digital learning plan.
2) Strengthen the local economy by creating a business incubator, enhancing waterfront development, and improving transportation.
3) Reform public safety through programs to reduce recidivism and gang violence, use of a violent offender registry, and increased policing of high-crime areas.
This business presentation discusses Financial Education Services, a company that provides financial education and identity/credit protection services. It highlights how many people are struggling financially due to high debt, lack of savings, and economic challenges. The presentation then outlines FES's products and services that help people improve their credit, pay off debt, protect their identity, create wills/trusts, and gain financial literacy. It describes the compensation plan for becoming an FES agent, including commissions, bonuses and potential residual income. Agents receive training and support from FES University. The presentation concludes by outlining the 4 steps to becoming an FES agent.
Your Bottom Line: A Small Business Approach to Accessing Credit and Navigatin...Small Business Majority
Small Business Majority's Illinois webinar presentation. This webinar provided tips about accessing traditional bank loans and state and federal programs that may be right for small business. We also talked about some long-term policy solutions that could ensure that small businesses get the credit they deserve. We also discussed what the new healthcare law, the Affordable Care Act, means for Illinois small business.
Community Development Financial Institutions (CDFIs) such as banks, credit unions, and loan funds strive to foster economic opportunity and revitalize low-income neighborhoods by providing financing to support families' first homes, small businesses, and community centers. The US Treasury Department manages the CDFI Fund, which provides targeted funds to help low-income areas and certified CDFIs. Frankenmuth Credit Union uses these funds to offer innovative financing programs like their MIhome Mortgage program that provides flexible home loans in underserved areas and their MIGrow Business Loan program for startups and expansions of farmers markets and groceries in food deserts.
Universal Credit is the UK's new working-age benefit system that aims to simplify the previous complex system of benefits and tax credits. It consolidates 6 benefits into one monthly payment administered through an online system. The goals are to make work pay, reduce poverty and fraud, and incentivize people into employment. However, its rollout has been problematic, with many claimants experiencing difficulties accessing payments and hardship. Evaluations show improvements in employment for some but significant issues remain regarding delivery and the system has not proven its value for money. There is ongoing debate around whether Universal Credit is achieving its original aims and meeting the needs of the 21st century job market.
This document provides information about various Big Lottery Fund Scotland grant programs. It summarizes the Young Start Fund, which provides grants from £10,000 to £50,000 for projects focused on improving outcomes for youth. Eligible projects engage 8-24 year olds and involve youth in design, development and delivery. The fund aims to improve youth confidence, health, connections to other generations, and entrepreneurship. Over 750 applications have been received since 2012, though few address intergenerational connections. Key requirements are strong youth involvement and achieving specified youth outcomes. The document also briefly outlines other Big Lottery Fund grant programs in Scotland.
Webinar: How Citizens Advice is helping Universal Credit claimantsPolicy in Practice
Deven Ghelani, Policy in Practice, was joined by Kayley Hignell, Citizens Advice and Nicky Rees, Citizens Advice Peterborough, to discuss Universal Credit. View the slides from this webinar recording.
As Universal Credit receives a refresh, courtesy of new Secretary of State Amber Rudd, we asked what the recent changes mean for people affected, and how the Citizens Advice Service nationwide is responding.
We also looked at what some LCAs are doing to support people and were joined by Kayley Hignell, Head of Policy (Families, Welfare and Work), Citizens Advice, and Nicky Rees, Advice Operations Supervisor at Citizens Advice Peterborough.
In this webinar we covered:
- What the recent policy changes and new Secretary of State mean for Universal Credit
- How Citizens Advice approach to Universal Credit is changing
- How Citizens Advice Peterborough helps people to maximise income and budget well
- Brief introduction to software used by some Local Citizens Advice advisors to give accurate and easy to digest advice
"The Benefit and Budgeting Calculator is amazing, the frontline volunteers find it really useful. I especially like the calendar that shows claimants who get paid weekly how their monthly Universal Credit payments will be affected over the next 12 months."
Nicky Rees, Citizens Advice Peterborough
For more information on Policy in Practice please visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
- Many Americans are in poor financial shape based on various metrics like credit scores, debt levels, savings, and retirement preparedness.
- The main reason for this is a lack of financial education according to the document.
- The document then describes a company called Financial Education Services that provides financial education and services to help protect people's identities, credit, finances, families, lifestyles and futures.
- It outlines the various services and benefits included in a Protection Plan membership, as well as career opportunities to sell memberships and services.
My name is Glenn Stegall and I’m putting myself up for sale. I’m a 23 year old college graduate with an impressive list of accomplishments and an ambitious set of goals. I have defied the stereotypical path for young men like myself, and I’m ready to make my impact in the world. I’m putting myself up for sale because I want to be able to direct my own future.
Unfortunately, the current path for college graduates is shaped by a powerful jet stream. We walk across the stage in May, and within a few months student loans payments are due. It’s extremely hard to go against the flow that pushes us toward a typical 9 to 5 job. Entrepreneurship is stifled due to the fear of failure and our immediate survival needs. The current process limits growth and opportunity. I hope you will help me change that.
Here is what I’ve decided to do. I’m offering 9% of my future income, for up to 15 years, in exchange for a minimum investment of $75,000. This investment will give me the resources I need to expand my current start-up. With your help, I can create a least 10 sustainable jobs within the next 12 months and provide you with a solid return on your investment over time. Please take a look at the full details below. I have laid out my proposal and my future plans. Lastly, if you can’t afford to make an investment, please share this story.
The document discusses asset building strategies to help low-income households build wealth. It defines asset building as long-term saving and investment to increase economic independence. Research shows that assets provide stability during hard times and encourage future orientation. While income measures getting by, assets measure getting ahead. Many low-income households want to save but lack opportunities. Individual Development Accounts (IDAs) match savings for goals like education, homes, or businesses. The Assets for Independence program also uses IDAs. However, the funding challenge is getting non-federal matching commitments. Employer-based IDAs could help more working poor individuals by providing savings incentives and financial education at work. Case studies show examples of employers doubling scholarships or assistance for home
The document discusses entrepreneurship and starting new businesses. It defines entrepreneurship and entrepreneurs. It outlines the advantages and disadvantages of being an entrepreneur. It also describes various government schemes in India that support entrepreneurship such as Startup India, Prime Minister Employment Generation Programme, and Mudra Yojana Scheme for Women. The document emphasizes that entrepreneurship is important for job growth, economic development, and social progress. People interested in entrepreneurship should carefully consider all aspects before starting their own business venture.
How To Manage Finances & Funding for Educational InstitutionsProcurify.com
Every organization and every person has a spend culture.
Spend culture is a set of shared beliefs and practices that informs a person how, why and when money should be spent.
Whether planned or random, all organizations have a spend culture.
Culture is fluid. It evolves with time and with each additional person. Understanding your spend culture and how it affects the people who work in your organization will influence how much value you get out of your spending.
Find out what your Spend Culture is: https://spendculture.procurify.com/
Easily Verify Compliance and Security with Binance KYCAny kyc Account
Use our simple KYC verification guide to make sure your Binance account is safe and compliant. Discover the fundamentals, appreciate the significance of KYC, and trade on one of the biggest cryptocurrency exchanges with confidence.
IMPACT Silver is a pure silver zinc producer with over $260 million in revenue since 2008 and a large 100% owned 210km Mexico land package - 2024 catalysts includes new 14% grade zinc Plomosas mine and 20,000m of fully funded exploration drilling.
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
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Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
Discover timeless style with the 2022 Vintage Roman Numerals Men's Ring. Crafted from premium stainless steel, this 6mm wide ring embodies elegance and durability. Perfect as a gift, it seamlessly blends classic Roman numeral detailing with modern sophistication, making it an ideal accessory for any occasion.
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Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...Aleksey Savkin
The Strategy Implementation System offers a structured approach to translating stakeholder needs into actionable strategies using high-level and low-level scorecards. It involves stakeholder analysis, strategy decomposition, adoption of strategic frameworks like Balanced Scorecard or OKR, and alignment of goals, initiatives, and KPIs.
Key Components:
- Stakeholder Analysis
- Strategy Decomposition
- Adoption of Business Frameworks
- Goal Setting
- Initiatives and Action Plans
- KPIs and Performance Metrics
- Learning and Adaptation
- Alignment and Cascading of Scorecards
Benefits:
- Systematic strategy formulation and execution.
- Framework flexibility and automation.
- Enhanced alignment and strategic focus across the organization.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
Each framework is presented with visually engaging diagrams and templates, ensuring the content is both informative and appealing. While this compilation is thorough, please note that the slides are intended as supplementary resources and may not be sufficient for standalone instructional purposes.
This compilation is ideal for anyone looking to enhance their understanding of innovation management and drive meaningful change within their organization. Whether you aim to improve product development processes, enhance customer experiences, or drive digital transformation, these frameworks offer valuable insights and tools to help you achieve your goals.
INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
10. Blue Ocean Strategy
11. Strategyn’s Jobs-To-Be-Done (JTBD) Framework with Job Map
12. Design Sprint Framework
13. The Double Diamond
14. Lean Six Sigma DMAIC
15. TRIZ Problem-Solving Framework
16. Edward de Bono’s Six Thinking Hats
17. Stage-Gate Model
18. Toyota’s Six Steps of Kaizen
19. Microsoft’s Digital Transformation Framework
20. Design for Six Sigma (DFSS)
To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations
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Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
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Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
How MJ Global Leads the Packaging Industry.pdfMJ Global
MJ Global's success in staying ahead of the curve in the packaging industry is a testament to its dedication to innovation, sustainability, and customer-centricity. By embracing technological advancements, leading in eco-friendly solutions, collaborating with industry leaders, and adapting to evolving consumer preferences, MJ Global continues to set new standards in the packaging sector.
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...Neil Horowitz
On episode 272 of the Digital and Social Media Sports Podcast, Neil chatted with Brian Fitzsimmons, Director of Licensing and Business Development for Barstool Sports.
What follows is a collection of snippets from the podcast. To hear the full interview and more, check out the podcast on all podcast platforms and at www.dsmsports.net
2. Grants to Improve Health
• Recent research from the Robert Wood Johnson Foundation
suggests that sometimes our zip code can have a bigger impact on
our health than our genetic code.
3. Grants for Education
• Golden Key encourages its members to
dream big, and never, ever stop.
• The Society not only offers education-
based scholarships to make those
dreams a reality, but awards for service
and leadership achievements, as well.
4. Community Development Block Grant
• The Community Development Block Grant program was enacted into law as
part of the Housing and Community Development Act of 1974.
• The Community Development Block Grant Program’s main purpose is to
provide decent, safe and sanitary housing, a suitable living environment, and
economic opportunities to low- and moderate-income people.
5. Registered Education Saving Plan
• Remember the age 15 deadline
if you have not yet opened an
RESP for your child. If
your child was born in 1999,
this is the year to open an
RESP and deposit $2,000
before Dec. 31.
6. Small Business Grants for Hiring Recent
IT / Web / Graphic Design Graduates
• The ICTC Career Connect hiring grant will cover 50% of an
eligible candidate’s wage, up to $16,000, for any internship that
is at least 3 months in length.
• All internships must end on, or before February 28, 2014.
7. Registered Retirement Savings Plan
• “Everyone puts it off. It’s the ostrich-in-the-sand approach,” he says.
• “It’s really tough to talk about retirement with someone in their 30s
if they haven’t gotten to the stable point of purchasing a home and
having a career. Retirement is just so far away.”
8. Government Grants Help Block
Robocalls
• Robocalls from automated
calling systems are illegal in
the U.S. Unless the recipient
agrees to receive the calls.
• But telephone spammers are
using caller ID spoofing
technology and other means to
skirt current methods of
blocking automated calls.