On June 14, 2010, Health & Medicine Policy Research group (HMPRG) hosted a forum, “The State’s Fiscal Crisis: Changing Our Collective Response.” With over 70 attendees, the forum explored the impact of the State’s budget and recent cuts on health and human services in Illinois. Participants heard from panel speakers about how we might collectively respond to the crisis and ensure responsible and adequate funding for education, health, and human services in Illinois. Materials from the forum can be found on the HMPRG website (www.hmprg.org)
Experienced public policy commentator and taxation lawyer Archie Parnell has an active involvement in tax policy matters in the US and Asia. Archie Parnell vied for a congressional seat in 2018, representing the 5th Congressional District of South Carolina under the platform “People First.” In his platform, he aimed to push for legislation that will improve Internet access in rural communities.
The research firm Pew Research Center has reported that 25 percent of rural residents in America treat their lack of access to a high-speed internet connection as a major problem. This figure is significantly higher compared to 13 percent urban residents and 9 percent of suburban residents who state that the lack of high-speed internet access is a problem in their communities.
The lack of high-speed internet access in rural communities is a shared sentiment regardless of economic standing. The research showed that 20 percent of rural households with an annual income of less than $30,000 say this is a major problem. So do 23 percent of rural households with an annual income of $75,000 or higher. The figures are also similar between rural residents with bachelor’s degrees or higher and those with lower educational attainments.
Differences in sentiments are evident, however, when age and race and ethnicity are considered. The report said that rural residents aged 50 to 64 will more likely view the lack of high-speed internet connection as a major problem compared with other age groups. Also, 31 percent of non-white rural residents say this is a major problem compared with 21 percent of their white counterparts.
In prior years, legislators and advocates have tried to bridge the broadband service gaps between rural and non-rural communities. They have found out that gaps are caused by major issues like infrastructure, subscription, competition, and performance. Rural areas are less likely to be wired for a broadband connection. Additionally, rural areas generally have lower internet speeds compared with other areas in the country. Also, rural residents have limited options when it comes to high-speed internet subscriptions since fewer broadband providers are operating in rural areas.
Briefing for Opposition Day Debate - 10th July 2013Citizen Network
An overview of the cumulative impact of UK government policies on disabled people. Prepared as a briefing for MPs for the Opposition Day Debate in the House of Commons on 10th July 2013. Supporting: the Campaign for a Fair Society, Pat's Petition and the WOW Campaign.
On June 14, 2010, Health & Medicine Policy Research group (HMPRG) hosted a forum, “The State’s Fiscal Crisis: Changing Our Collective Response.” With over 70 attendees, the forum explored the impact of the State’s budget and recent cuts on health and human services in Illinois. Participants heard from panel speakers about how we might collectively respond to the crisis and ensure responsible and adequate funding for education, health, and human services in Illinois. Materials from the forum can be found on the HMPRG website (www.hmprg.org)
Experienced public policy commentator and taxation lawyer Archie Parnell has an active involvement in tax policy matters in the US and Asia. Archie Parnell vied for a congressional seat in 2018, representing the 5th Congressional District of South Carolina under the platform “People First.” In his platform, he aimed to push for legislation that will improve Internet access in rural communities.
The research firm Pew Research Center has reported that 25 percent of rural residents in America treat their lack of access to a high-speed internet connection as a major problem. This figure is significantly higher compared to 13 percent urban residents and 9 percent of suburban residents who state that the lack of high-speed internet access is a problem in their communities.
The lack of high-speed internet access in rural communities is a shared sentiment regardless of economic standing. The research showed that 20 percent of rural households with an annual income of less than $30,000 say this is a major problem. So do 23 percent of rural households with an annual income of $75,000 or higher. The figures are also similar between rural residents with bachelor’s degrees or higher and those with lower educational attainments.
Differences in sentiments are evident, however, when age and race and ethnicity are considered. The report said that rural residents aged 50 to 64 will more likely view the lack of high-speed internet connection as a major problem compared with other age groups. Also, 31 percent of non-white rural residents say this is a major problem compared with 21 percent of their white counterparts.
In prior years, legislators and advocates have tried to bridge the broadband service gaps between rural and non-rural communities. They have found out that gaps are caused by major issues like infrastructure, subscription, competition, and performance. Rural areas are less likely to be wired for a broadband connection. Additionally, rural areas generally have lower internet speeds compared with other areas in the country. Also, rural residents have limited options when it comes to high-speed internet subscriptions since fewer broadband providers are operating in rural areas.
Briefing for Opposition Day Debate - 10th July 2013Citizen Network
An overview of the cumulative impact of UK government policies on disabled people. Prepared as a briefing for MPs for the Opposition Day Debate in the House of Commons on 10th July 2013. Supporting: the Campaign for a Fair Society, Pat's Petition and the WOW Campaign.
Presentation
The Art of Aging: Our Elders, Our State
Fraud Against the Elderly
Chapel Hill AAUW
9:30am-noon March 20, 2010
Chapel Hill, North Carolina
Mebane Rash, N.C. Center for Public Policy Research
This is a Power Point Presentation that has been created as part of IGCSE Global Perspectives Project. We hope that through this form of social media, we'd be able to reach all those that are concerned about the issue as well as those that are unaware of the issue and thereby make a change in the society that we exist in. Thank You For Watching!!!
In this second annual survey, more than one hundred philanthropic leaders from across the United States shared their wisdom and insights about giving in the year ahead. The data provided in this Dini Partners’ survey report is encouraging and demonstrates the critical thinking that undergirds philanthropy in these challenging times.
From the valued impressions and insights that were shared, we have made recommendations to assist nonprofit leaders and volunteers. It is our hope that this survey report will help institutions continue to succeed in fundraising and mission advancement as our national and regional economies continue to recover.
www.dinipartners.com
Underage Drinking in Wisconsin: Laws, Fines and other Information You Need To...Cess Padilla
Underage Drinking is almost like a wildfire that burns in a dry forest and that forest is as huge as America. Wisconsin is one of the states in the U.S. that has problems with underage drinking. Learn more about underage drinking and other details here.
Presentation
The Art of Aging: Our Elders, Our State
Fraud Against the Elderly
Chapel Hill AAUW
9:30am-noon March 20, 2010
Chapel Hill, North Carolina
Mebane Rash, N.C. Center for Public Policy Research
This is a Power Point Presentation that has been created as part of IGCSE Global Perspectives Project. We hope that through this form of social media, we'd be able to reach all those that are concerned about the issue as well as those that are unaware of the issue and thereby make a change in the society that we exist in. Thank You For Watching!!!
In this second annual survey, more than one hundred philanthropic leaders from across the United States shared their wisdom and insights about giving in the year ahead. The data provided in this Dini Partners’ survey report is encouraging and demonstrates the critical thinking that undergirds philanthropy in these challenging times.
From the valued impressions and insights that were shared, we have made recommendations to assist nonprofit leaders and volunteers. It is our hope that this survey report will help institutions continue to succeed in fundraising and mission advancement as our national and regional economies continue to recover.
www.dinipartners.com
Underage Drinking in Wisconsin: Laws, Fines and other Information You Need To...Cess Padilla
Underage Drinking is almost like a wildfire that burns in a dry forest and that forest is as huge as America. Wisconsin is one of the states in the U.S. that has problems with underage drinking. Learn more about underage drinking and other details here.
Controlling the Growth of Payday Lending Through Local O.docxdickonsondorris
Controlling the Growth of Payday Lending
Through Local Ordinances and Resolutions
A Guide for Advocacy Groups and Government Officials
October 2012
Written By:
Kelly Griffith, Co-Director
Southwest Center for Economic Integrity
[email protected]
Linda Hilton, Director
Coalition of Religious Communities
Crossroads Urban Center - Utah
[email protected]
Lynn Drysdale, Staff Attorney
Jacksonville Area Legal Aid - Florida
[email protected]
Preface
Neighborhoods across America are witnessing the resurgence of predatory small loan operations.
In the last twenty years or so, payday lenders have exploited deregulated interest rates, won special
treatment from state legislatures, or designed products that slip through legislative or regulatory
loopholes. As a result, payday lending legally operates in 32 states, while 18 states either prohibit it,
curb it with rate caps, or have other restrictions that disrupt the payday loan business model costing
consumers as much as $7.46 billion a year in interest for over $44 billion in loans from both storefront
and online lenders. Payday loans cost cash-strapped borrowers triple- digit interest rates, trap borrowers
in repeat loans, foster coercive debt collection practices, and endanger bank account ownership for
families that live on the financial edge.
Payday lending has become increasingly controversial as the consequences of this defective
financial product have become painfully apparent. Payday lenders now outnumber Starbucks and
Burger King outlets across the country. Billions of dollars in usurious interest flows out of communities
to the national chain lenders. Mapping of payday loan locations by neighborhood characteristics and
studies of payday loan use issued by regulators and academics document that these high cost loans
disproportionately harm minority families and low to moderate-income borrowers. (For more
information, please visit Consumer Federation of America's www.paydayloaninfo.org)
Local leaders see the impact of payday lending on economic development, requests for financial
assistance, and financial distress in communities with high levels of low-to-moderate income and
minority families. While industry lobbying and campaign contributions have thwarted reform in many
state legislatures, local officials are taking action to stop payday lenders from exploiting their
neighborhoods by enacting restrictive zoning requirements and local ordinances.
Local policymakers interested in preventing predatory payday lending can also lend their support
to state-level reform efforts to cap annual interest rates at an all-inclusive 36 percent or repeal payday
loan authorization outright. As documented in North Carolina, reinstating small loan caps allows
responsible credit to flow, while saving consumers the billions of dollars now lost to predatory payday
lenders. Resolutions urging state legisla.
In 2010 President Obama allocated $7.6 billion to the Hardest Hit Fund to benefit the 18 states with the worst foreclosures of over 4 million homeowners. This money was from the landmark federal fraud lawsuit of 5 of the largest banks settling for $25 billion.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
3. Discover if financial institutions are service the housing needs of the community, and;
4.
5. The Housing Market In Crisis There was a 53% decrease in overall mortgage activity from 2007-2009 in the Charleston MSA.
6. Home Mortgage Originationsin the Charleston MSA Over a three year period, home loan originations for blacks were, on average, 9% of the total loans originated. Other minority applicants were, on average, 5% of the total loans originated.
7. Denial Ratios Applications Received Applications Denied
8. Reasons for Denial of ApplicationsBased on Race Black applicants are more likely to be denied a loan because of credit history.
10. Average Denial Ratios For Blacks vs Whites In The Charleston MSA, 2007-2009 Out of 20 financial institutions, 9 were at or below the average denial ratio each year.
12. Minority Homeownership In Crisis The same holds true for households in the Charleston MSA. 40% of blacks own their own home compared to 79.7% of whites. Nationally, less than half of black households own their own home compared to three-quarters of whites.
15. Debt managementCourses should be required for ALL income levels. Credit History is the primary reason for denial of loan applications for both blacks AND whites.
17. Recommendation #2: Increased Public Awareness Campaign Financial institutions of all sizes need to increase outreach and public awareness of mortgage options available. 15-30% of banks during the 2007-2009 period did not receive ANY black applications.
This report analyzes the rate of conventional and federal mortgage lending in the Charleston-North Charleston-Summerville MSA. This report compares aggregate loan information and reviews 20 lending institutions in the MSA.This report is not about calling specific lending institutions to task; it is to take a look at where the industry is as a whole and what may be done to improve results for home ownership in our community
There were 22,728 total applications in 2007 and only 2662 of those were black applications13941 total applicationsin 2008 and only 1512 black applications And 11653 total applicationsin 2009 and only 1361 black applications
![About the HMDA Report The U.S. Home Mortgage Disclosure Act (HMDA), passed in 1975, requires financial institutions to maintain and disclose data about home purchases, pre-approvals, refinance and home improvement applications involving 1-to-4 unit and multi-family dwellings. The information from this data: ,[object Object]](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)