An overview of the USDA's Section 504 home repair program. Presentation from the Housing Assistance Councils symposium "Housing Seniors & Veterans in Rural America: Preservation, Development and Services" in Council Bluffs, IA on August 28-29, 2013
This slides are from a March 27, 2014 webinar from the National Alliance of Rural Policy and the Housing Assistance Council.
This webinar will include a brief overview of the housing programs administered by the U.S. Department of Agriculture to assist lower income rural homebuyers, homeowners, and renters. Presenters will cover the funding outlook for the year and other issues. Can USDA continue to serve the lowest income rural residents? Can affordable rural rental housing be preserved? What is the definition of rural for USDA housing programs? And why are these programs at the Department of Agriculture at all?
Presenters: Joe Belden and Leslie Strauss, Housing Assistance Council
Sequestration: The Last Straw? (Karen Kunz, 2013 ABFM Conf)PublicFinanceTV
"Sequestration: The Last Straw?" presentation by Karen Kunz, West Virginia University, presented during "Sequestration's Impact on State Budgets" plenary session, 2013 ABFM Annual Conference, October 3, 2013
The USDA must revise the list of communities eligible for rural housing loans based on 2010 census data by October 2012. Currently, communities must be outside a metropolitan statistical area, rural in character, have a serious lack of mortgage credit, and have a population under 20,000. This definition has not been updated since 1974 and risks making over 900 communities ineligible. Grandfathering existing communities and raising the population threshold to 35,000 would maintain eligibility for struggling communities and have no federal budget impact. The Senate Farm Bill and other legislation proposes this fix, and representatives are asked to support including this provision.
This document discusses home-based care services for seniors. It notes that over 90% of seniors have at least one chronic disease and outlines common medical (home health, hospice, palliative care) and non-medical (home care, transportation) services provided in-home. These services are needed as the population of seniors is projected to more than double by 2050, with many having conditions like Alzheimer's and being at risk of falls. Planning ahead for potential home care needs is important. The document advocates that home-based care is a form of senior advocacy that provides benefits to both individuals and society.
This slides are from a March 27, 2014 webinar from the National Alliance of Rural Policy and the Housing Assistance Council.
This webinar will include a brief overview of the housing programs administered by the U.S. Department of Agriculture to assist lower income rural homebuyers, homeowners, and renters. Presenters will cover the funding outlook for the year and other issues. Can USDA continue to serve the lowest income rural residents? Can affordable rural rental housing be preserved? What is the definition of rural for USDA housing programs? And why are these programs at the Department of Agriculture at all?
Presenters: Joe Belden and Leslie Strauss, Housing Assistance Council
Sequestration: The Last Straw? (Karen Kunz, 2013 ABFM Conf)PublicFinanceTV
"Sequestration: The Last Straw?" presentation by Karen Kunz, West Virginia University, presented during "Sequestration's Impact on State Budgets" plenary session, 2013 ABFM Annual Conference, October 3, 2013
The USDA must revise the list of communities eligible for rural housing loans based on 2010 census data by October 2012. Currently, communities must be outside a metropolitan statistical area, rural in character, have a serious lack of mortgage credit, and have a population under 20,000. This definition has not been updated since 1974 and risks making over 900 communities ineligible. Grandfathering existing communities and raising the population threshold to 35,000 would maintain eligibility for struggling communities and have no federal budget impact. The Senate Farm Bill and other legislation proposes this fix, and representatives are asked to support including this provision.
This document discusses home-based care services for seniors. It notes that over 90% of seniors have at least one chronic disease and outlines common medical (home health, hospice, palliative care) and non-medical (home care, transportation) services provided in-home. These services are needed as the population of seniors is projected to more than double by 2050, with many having conditions like Alzheimer's and being at risk of falls. Planning ahead for potential home care needs is important. The document advocates that home-based care is a form of senior advocacy that provides benefits to both individuals and society.
The document is a preliminary application form for the Community HOME Investment Program (CHIP) Assistance program in Brunswick, Georgia. The program provides funding to rehabilitate homes for low-income homeowners. To qualify, applicants must meet income limits based on household size, provide proof of ownership and income, and have repairs determined necessary by home inspection. The completed form is only a pre-application, and qualified applicants will be added to the wait list to receive funding as it becomes available.
This document summarizes affordable housing developments in Santa Cruz and their funding sources. It outlines 21 major developments totaling 1,501 units, with 1,193 affordable units. The key identifies primary funding by HUD Section 8, LIHTC, state grants, and city funding. It provides examples showing projects use multiple funding sources, with city funding averaging $118,000-$101,000 per affordable unit. Santa Cruz has 1,586 affordable housing units total, or 7% of its housing stock, with 11% affordable when including Section 8 vouchers.
This document discusses the growing unfunded liability of the Cook County Pension Fund. It identifies key drivers of the increasing unfunded liability, including funding benefits but not the liability, rising retiree healthcare costs, lower than assumed investment returns, early retirement incentives, and increased longevity. The unfunded liability has grown from $742 million in 2001 to $5.8 billion in 2011. If action is not taken, the fund could become insolvent by 2038 and no longer be able to pay pensions or provide healthcare to retirees. The document proposes a framework for solutions that reduces liabilities, increases assets, and makes reforms in an equitable manner.
1) Federal sequestration cuts will reduce funding for many of San Antonio's federally-funded city grant programs by 5.1-8.2%, potentially impacting $7-11 million of the city's FY2014 budget.
2) Air traffic control towers at San Antonio airports face closures or reduced hours.
3) Build America Bond subsidies will be cut by 8.7%, costing San Antonio $166,000 in FY2013. Changes to municipal bond tax exemption could also increase city borrowing costs.
In 2003, a coalition of over 110 organizations in Philadelphia saw the need to address the city's affordable housing crisis and proposed establishing a Housing Trust Fund. The coalition made the case for the fund by presenting data on the number of cost-burdened households and lack of affordable units. In 2005, state legislation was passed allowing Philadelphia to collect fees to capitalize a fund. The city ordinance established the fund's guidelines. Since 2006, the Philadelphia Housing Trust Fund has committed over $45 million to expand affordable housing and leverage over $234 million, helping over 8,000 low-income households.
Mayor Kim renewed calls for Avalon Health Care to be removed from operating the Yukio Okutsu State Veterans Home after another resident death brought the total to 25. An inspection report cited lack of adequate infection control and other issues. Avalon disputed being politically blamed and said other states provided more support for long-term care facilities during the pandemic. The home had below average health inspection and overall ratings on Medicare.gov despite above average staffing and quality measures ratings.
The document discusses USDA Rural Development's single family housing programs, including direct loans and guaranteed loans. In 2015, these programs invested over $677 million in rural housing via over 4,000 loans and grants. The direct loan program assisted over 100 very low-income families purchase homes with low interest rates, while the guaranteed loan program helped over 3,800 low and moderate-income families purchase homes. Both programs help eligible rural residents obtain decent housing by providing financing options or payment assistance.
Finalmgr providence fraudulent accounting and theft123june29Michael Riley
Providence, Rhode Island officials have misled municipal bond investors and pension beneficiaries for over 20 years through fraudulent accounting and theft from the city's pension fund. Starting as early as 15-20 years ago, city officials began illegally spending annual required contributions to the pension fund on other budget items instead. To hide this, they issued "IOUs" to the pension fund and falsely classified the unauthorized borrowing as a "pension asset." This overstated the assets of the pension fund. The true unfunded liability and poor funding ratio of the severely underfunded pension plan have now been revealed.
The document summarizes the impact of Pennsylvania Governor Corbett's proposed 2012-2013 budget on services in Philadelphia. It outlines proposed cuts to health and human services ($41 million reduction), education funding, public library subsidies, aging services, and probation/parole services. Specific impacts include increased homelessness, reduced mental health and addiction treatment, closure of 400 community residential beds, and increased burdens on other city departments. The budget also eliminates funding for the Homeowners Emergency Mortgage Assistance Program.
The city council meeting discussed a request from LULAC to fund a $2.2 million rehabilitation of a 49-unit, 40-year-old apartment complex for low-income elderly residents. Staff recommended applying for a Section 108 Loan from HUD, which allows cities to borrow against their CDBG grants, as it offers more favorable terms than other funding options. The loan would be guaranteed by the city and secured by legal documents, with repayments covering the city's obligation to HUD. Council authorization is needed to apply for the Section 108 Loan, which would take 5-7 months to complete if approved.
Item # 5 - PPT Federal Coronavirus Relief Fundsahcitycouncil
- Bexar County has prepared an Interlocal Grant Agreement (ILA) for Alamo Heights to seek reimbursement for eligible Covid-19 expenses
- The deadline to submit the Resolution and ILA is July 1, 2020
- The document discusses Bexar County receiving federal CARES Act funds and outlines eligible Covid-19 expenses that could be reimbursed under the agreement
Final how can we pay for the things we need in 2022?strongforall
This document outlines funding sources that could be used to pay for investments in universal child care, housing, funding for excluded workers, education, and climate justice. It proposes using $8 billion in federal stimulus funds, $10 billion by cutting corrupt corporate subsidies, over $50 billion from taxing the wealthy through the "Invest in Our New York" plan, and $10 billion in increased tax revenues. It argues the state has the funds needed but the governor's budget focuses on tax breaks and subsidies rather than investing in communities.
This document summarizes the evolution toward a Housing First approach to addressing homelessness in New Brunswick. It provides statistics on homelessness in Canada and New Brunswick and discusses the core principles of Housing First, which include providing permanent housing and supports without preconditions. Housing First represents a radical shift from previous emergency shelter-based systems by prioritizing access to housing. The document outlines existing Housing First programs in New Brunswick and the importance of coordinated community planning and systems to facilitate client flow and achieve the best outcomes for ending homelessness.
The Greater Pittsburgh Nonprofit Partnership hosted its 2011 Semi-Annual Membership Meeting on June 22, 2011. Ron Kramer from Schneider Downs presented on the potential changes to charitable deductions. Members Laura Maines, Bernadette Turner, and Dave Coplan provided a PA budget update, an update on our three committees' work, and an introduction to our 2012 dues changes, respectively. Thanks to all, including our Chair, Colleen Fedor and President, Diana Bucco for leading the meeting.
This document summarizes efforts to end homelessness in the Fairfax-Falls Church community. It establishes that homelessness is a real problem, outlines collaborative efforts between 18 organizations to collect and report data on homelessness using a Homeless Management Information System, and discusses new initiatives to enhance the homeless services system such as Housing Opportunities Support Teams and a Housing Locator Network. It also highlights the challenge of limited funding for programs to prevent and rapidly rehouse the homeless and calls for citizens to help raise $1 million for an Ending Homelessness Partnership Fund through donations of money, time, and talents.
The Pinellas County Housing Authority (PCHA) is the largest public housing agency in Pinellas County, Florida. It was established in 1965 and is governed by a five member board appointed by the governor. PCHA owns and manages 1756 rental units and provides housing assistance to 3117 additional families. Its annual budget is $38 million and it employs 74 people. PCHA's mission is to provide safe, quality, and affordable housing opportunities for families in need and cultivate healthy neighborhoods in Pinellas County.
The West Virginia Housing Development Fund provides several programs to increase affordable housing in the state, including programs for low-income rental housing and homeownership. The Fund is governed by an 11-member board and is financially self-supported through loan repayments and investments. It offers programs such as low-income housing tax credits, HOME grants, multifamily and single-family lending, downpayment assistance, land development loans, and redevelopment initiatives.
El documento resume la historia de Aragón durante la Edad Media y Moderna, cuando primero surgió el Reino de Aragón que luego se convirtió en la Corona de Aragón, experimentando un gran desarrollo económico y cultural durante la época cristiana, dejando numerosas huellas arquitectónicas de esa época, aunque luego sufrió una profunda crisis durante los siglos XVI y XVII debido a conflictos.
The document is a preliminary application form for the Community HOME Investment Program (CHIP) Assistance program in Brunswick, Georgia. The program provides funding to rehabilitate homes for low-income homeowners. To qualify, applicants must meet income limits based on household size, provide proof of ownership and income, and have repairs determined necessary by home inspection. The completed form is only a pre-application, and qualified applicants will be added to the wait list to receive funding as it becomes available.
This document summarizes affordable housing developments in Santa Cruz and their funding sources. It outlines 21 major developments totaling 1,501 units, with 1,193 affordable units. The key identifies primary funding by HUD Section 8, LIHTC, state grants, and city funding. It provides examples showing projects use multiple funding sources, with city funding averaging $118,000-$101,000 per affordable unit. Santa Cruz has 1,586 affordable housing units total, or 7% of its housing stock, with 11% affordable when including Section 8 vouchers.
This document discusses the growing unfunded liability of the Cook County Pension Fund. It identifies key drivers of the increasing unfunded liability, including funding benefits but not the liability, rising retiree healthcare costs, lower than assumed investment returns, early retirement incentives, and increased longevity. The unfunded liability has grown from $742 million in 2001 to $5.8 billion in 2011. If action is not taken, the fund could become insolvent by 2038 and no longer be able to pay pensions or provide healthcare to retirees. The document proposes a framework for solutions that reduces liabilities, increases assets, and makes reforms in an equitable manner.
1) Federal sequestration cuts will reduce funding for many of San Antonio's federally-funded city grant programs by 5.1-8.2%, potentially impacting $7-11 million of the city's FY2014 budget.
2) Air traffic control towers at San Antonio airports face closures or reduced hours.
3) Build America Bond subsidies will be cut by 8.7%, costing San Antonio $166,000 in FY2013. Changes to municipal bond tax exemption could also increase city borrowing costs.
In 2003, a coalition of over 110 organizations in Philadelphia saw the need to address the city's affordable housing crisis and proposed establishing a Housing Trust Fund. The coalition made the case for the fund by presenting data on the number of cost-burdened households and lack of affordable units. In 2005, state legislation was passed allowing Philadelphia to collect fees to capitalize a fund. The city ordinance established the fund's guidelines. Since 2006, the Philadelphia Housing Trust Fund has committed over $45 million to expand affordable housing and leverage over $234 million, helping over 8,000 low-income households.
Mayor Kim renewed calls for Avalon Health Care to be removed from operating the Yukio Okutsu State Veterans Home after another resident death brought the total to 25. An inspection report cited lack of adequate infection control and other issues. Avalon disputed being politically blamed and said other states provided more support for long-term care facilities during the pandemic. The home had below average health inspection and overall ratings on Medicare.gov despite above average staffing and quality measures ratings.
The document discusses USDA Rural Development's single family housing programs, including direct loans and guaranteed loans. In 2015, these programs invested over $677 million in rural housing via over 4,000 loans and grants. The direct loan program assisted over 100 very low-income families purchase homes with low interest rates, while the guaranteed loan program helped over 3,800 low and moderate-income families purchase homes. Both programs help eligible rural residents obtain decent housing by providing financing options or payment assistance.
Finalmgr providence fraudulent accounting and theft123june29Michael Riley
Providence, Rhode Island officials have misled municipal bond investors and pension beneficiaries for over 20 years through fraudulent accounting and theft from the city's pension fund. Starting as early as 15-20 years ago, city officials began illegally spending annual required contributions to the pension fund on other budget items instead. To hide this, they issued "IOUs" to the pension fund and falsely classified the unauthorized borrowing as a "pension asset." This overstated the assets of the pension fund. The true unfunded liability and poor funding ratio of the severely underfunded pension plan have now been revealed.
The document summarizes the impact of Pennsylvania Governor Corbett's proposed 2012-2013 budget on services in Philadelphia. It outlines proposed cuts to health and human services ($41 million reduction), education funding, public library subsidies, aging services, and probation/parole services. Specific impacts include increased homelessness, reduced mental health and addiction treatment, closure of 400 community residential beds, and increased burdens on other city departments. The budget also eliminates funding for the Homeowners Emergency Mortgage Assistance Program.
The city council meeting discussed a request from LULAC to fund a $2.2 million rehabilitation of a 49-unit, 40-year-old apartment complex for low-income elderly residents. Staff recommended applying for a Section 108 Loan from HUD, which allows cities to borrow against their CDBG grants, as it offers more favorable terms than other funding options. The loan would be guaranteed by the city and secured by legal documents, with repayments covering the city's obligation to HUD. Council authorization is needed to apply for the Section 108 Loan, which would take 5-7 months to complete if approved.
Item # 5 - PPT Federal Coronavirus Relief Fundsahcitycouncil
- Bexar County has prepared an Interlocal Grant Agreement (ILA) for Alamo Heights to seek reimbursement for eligible Covid-19 expenses
- The deadline to submit the Resolution and ILA is July 1, 2020
- The document discusses Bexar County receiving federal CARES Act funds and outlines eligible Covid-19 expenses that could be reimbursed under the agreement
Final how can we pay for the things we need in 2022?strongforall
This document outlines funding sources that could be used to pay for investments in universal child care, housing, funding for excluded workers, education, and climate justice. It proposes using $8 billion in federal stimulus funds, $10 billion by cutting corrupt corporate subsidies, over $50 billion from taxing the wealthy through the "Invest in Our New York" plan, and $10 billion in increased tax revenues. It argues the state has the funds needed but the governor's budget focuses on tax breaks and subsidies rather than investing in communities.
This document summarizes the evolution toward a Housing First approach to addressing homelessness in New Brunswick. It provides statistics on homelessness in Canada and New Brunswick and discusses the core principles of Housing First, which include providing permanent housing and supports without preconditions. Housing First represents a radical shift from previous emergency shelter-based systems by prioritizing access to housing. The document outlines existing Housing First programs in New Brunswick and the importance of coordinated community planning and systems to facilitate client flow and achieve the best outcomes for ending homelessness.
The Greater Pittsburgh Nonprofit Partnership hosted its 2011 Semi-Annual Membership Meeting on June 22, 2011. Ron Kramer from Schneider Downs presented on the potential changes to charitable deductions. Members Laura Maines, Bernadette Turner, and Dave Coplan provided a PA budget update, an update on our three committees' work, and an introduction to our 2012 dues changes, respectively. Thanks to all, including our Chair, Colleen Fedor and President, Diana Bucco for leading the meeting.
This document summarizes efforts to end homelessness in the Fairfax-Falls Church community. It establishes that homelessness is a real problem, outlines collaborative efforts between 18 organizations to collect and report data on homelessness using a Homeless Management Information System, and discusses new initiatives to enhance the homeless services system such as Housing Opportunities Support Teams and a Housing Locator Network. It also highlights the challenge of limited funding for programs to prevent and rapidly rehouse the homeless and calls for citizens to help raise $1 million for an Ending Homelessness Partnership Fund through donations of money, time, and talents.
The Pinellas County Housing Authority (PCHA) is the largest public housing agency in Pinellas County, Florida. It was established in 1965 and is governed by a five member board appointed by the governor. PCHA owns and manages 1756 rental units and provides housing assistance to 3117 additional families. Its annual budget is $38 million and it employs 74 people. PCHA's mission is to provide safe, quality, and affordable housing opportunities for families in need and cultivate healthy neighborhoods in Pinellas County.
The West Virginia Housing Development Fund provides several programs to increase affordable housing in the state, including programs for low-income rental housing and homeownership. The Fund is governed by an 11-member board and is financially self-supported through loan repayments and investments. It offers programs such as low-income housing tax credits, HOME grants, multifamily and single-family lending, downpayment assistance, land development loans, and redevelopment initiatives.
El documento resume la historia de Aragón durante la Edad Media y Moderna, cuando primero surgió el Reino de Aragón que luego se convirtió en la Corona de Aragón, experimentando un gran desarrollo económico y cultural durante la época cristiana, dejando numerosas huellas arquitectónicas de esa época, aunque luego sufrió una profunda crisis durante los siglos XVI y XVII debido a conflictos.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow, releases endorphins, and promotes changes in the brain which help regulate emotions and stress levels.
John Hartwick, Dawson Holdings, provides information about creating and preserving quality affordable rural housing for seniors using HUD and USDA programs
How To Estimate Garage Building Costs ?Behm Design
The most reliable method for rough cost estimating of concrete foundation and slab work is to contact a local concrete contractor – one who specializes in this work.
4th edition veterans resources guide july 2013Talia Wesley
The document provides an updated resource guide from July 2013 with over 50 sections on veterans resources covering benefits assistance, counseling, credit assistance, resources for female and incarcerated veterans, education benefits, homelessness assistance, and many other support services for veterans and their families. Newly added or updated sections are highlighted to bring attention to the most current information.
Jason DeCaires Taylor is an eco-sculptor who creates underwater sculptures to promote marine ecosystem regeneration and raise environmental awareness. His sculptures act as artificial reefs, attracting coral and fish while diverting tourists from fragile natural reefs. Since 2006, he has created two large underwater sculpture parks off Grenada and in Cancun, containing over 500 sculptures. The installations provide benefits like increased marine biomass, refuge for species, and education about threats to the ocean.
This document provides an overview of homeownership options through Rural Development including direct loans, leveraged loans, and guaranteed loans. It discusses eligibility requirements such as income limits and credit history. Direct loans offer 100% financing up to 33 years at an interest rate as low as 1% with no down payment or mortgage insurance required. Leveraged and guaranteed loans allow moderate-income families to purchase homes through approved lenders. The workshop agenda reviews whether attendees are ready for homeownership and debunks common myths.
This credit replaces the Heritage Structure Rehabilitation Tax Credit as of June 1, 2010. This credit is an expansion of the Heritage Structure Tax Credit and alters eligibility requirements of the credit. Form 502H is no longer available for tax returns with tax years beginning after December 31, 2012.
SBA 504 Loans-An Important Tool for Community Lenders 2015Dana Nix Moore
The 504 Loan Program provides long-term, fixed-rate financing for major fixed assets or real estate through partnerships between private lenders, certified development companies (CDCs), and the Small Business Administration (SBA). It is designed to promote economic development and job creation. Typical 504 loans involve 50% financing from a private lender, up to 40% through a CDC/SBA loan, and a minimum 10% owner contribution. The process involves applying to a CDC, which then submits the application to the SBA for approval. If approved, the private lender provides interim and permanent financing, while the CDC provides takeout financing through a debenture guaranteed by the SBA.
This succinct document outlines all USDA Rural Development programs--across the areas of Housing, Rural Business & Cooperative, and Community Programs & Utility Services.
The document summarizes several Small Business Administration loan programs, including changes made under the American Recovery and Reinvestment Act. Key programs discussed are the 7(a) loan guarantee program, ARC loans, 504 loans, SBA Express loans, and microloans. Eligibility requirements and uses of loan proceeds are also summarized for the main SBA loan programs. Contact information is provided for the Colorado District Office for additional assistance.
The SBA 504 loan program provides long-term fixed-rate financing for small businesses to purchase commercial real estate and equipment. A 504 loan consists of financing from a private lender covering 50% of the project cost, an SBA-backed loan for 40% of the cost, and a 10% equity contribution from the business owner. The SBA loan has a fixed rate for 10 or 20 years and is secured by a junior lien position, while the private lender loan has a term of 10-25 years at a market rate with the first lien position. The program can finance up to 90% of a project with no balloon payments and is intended to promote economic development and job creation/retention.
The document discusses new and updated SBA loan programs, including refinancing balloon payments for owner-occupied businesses, a new dealer floor plan program, and changes to the Small Loan Advantage Program. Eligibility requirements and loan structures are provided for refinancing balloon payments. Additionally, the new dealer floor plan program provides revolving lines of credit up to $5 million to acquire titleable inventory.
The document provides an overview of the SBA 504 loan program:
1) It offers long-term, fixed-rate financing for small businesses to purchase fixed assets like land, buildings, and equipment.
2) It provides up to 90% financing with low down payment requirements to conserve borrowers' working capital.
3) It benefits lenders by providing a senior lien position with low loan-to-value ratios to reduce risk, and helps meet CRA requirements.
The document summarizes the Advantage Illinois program, which provides financing to small businesses in Illinois using funds from the federal State Small Business Credit Initiative. It describes the various financing programs available, including the Capital Access Program, Participation Loan Program, programs for minority/women/veteran-owned businesses, and the suspended Invest Illinois Venture Fund. Contact information is provided for the Advantage Illinois program managers. Eligible businesses must have less than 750 employees and financing cannot exceed $20 million. The program has supported over $500 million in loans and investments, creating and retaining over 4,000 jobs.
The document summarizes the Main Street Lending Program (MSLP) established by the Federal Reserve to provide support to small and medium-sized businesses during the COVID-19 pandemic. It describes the three types of loans offered through the program - the New Loan Facility, Priority Loan Facility, and Expanded Loan Facility. It provides details on loan sizes, terms, fees, and the role of the Federal Reserve and eligible lenders. It also outlines restrictions on borrower compensation, stock repurchases, dividends, debt repayment, and use of funds to qualify for the program.
- The document summarizes various changes to Virginia's individual and business tax codes for 2007 and beyond. Key changes include increases to personal exemptions and filing thresholds over time, as well as new deductions and credits related to energy efficiency, organ donations, and education. It also outlines changes to sales tax holidays, the estate tax repeal, and protective claims in light of a relevant legal case.
The 166 Loan Program was created in 1982 to promote economic development in Ohio by providing low-interest loans to businesses. Loans of $500,000 to $1 million are made available from a revolving loan fund to help businesses create new jobs or preserve existing employment. Eligible projects include manufacturing, research and development, and distribution. As loans are repaid, the funds are used to issue new loans to other qualifying businesses.
The document discusses SBA loan programs, including an overview of the SBA, eligibility requirements, and details on the popular 7a and CDC/504 loan programs. The SBA guarantees loans made by participating lenders to small businesses, with guarantees typically covering 75% of the loan. The 7a program is the SBA's primary loan program and can be used for working capital or purchasing equipment. The CDC/504 program provides long-term fixed rate financing for major fixed assets like land and buildings.
How Your Company is Affected by the CARES Act and Related LegislationRoger Royse
"Idea to IPO" Webinar description:
The U.S. government is providing relief and stimulating the economy through the $2 TRILLION CARES Act of 2020 and other measures to help corporations, small businesses, and people laid off due to the COVID-19 crisis.
The speaker will discuss:
1) What is the CARES Act of 2020?
2) What does the CARES Act of 2020 hope to achieve?
3) Will there be follow up programs to come?
4) How can entrepreneurs and small businesses benefit from the CARES ACT of 2020?
5) How does one go about applying for grants and loans administered under the CARES ACT of 2020?
6) What are the new rules relating to sick leave and paid leave?
7) What COVID-19 related tax incentives are available to companies?
and more!
This document outlines various potential local, federal, and private funding sources for project B21-463. It identifies over $10 million available from local DC sources including investment revenue, unused funds, and jail commissary profits. Federal sources include over $5 million from programs like WIOA, the Department of Labor, and the Second Chance Act. Public-private partnerships and microloans from organizations like KivaZip and the SBA are also outlined. Private foundations supporting entrepreneurship education and inclusive entrepreneurship are mentioned as potential supplemental sources.
What the CARES Act Means for Independent Workers and Small BusinessesMBO Partners
What does the CARES Act mean for independent workers and small businesses? MBO Partners explains the nuances of this important act for COVID-19 relief.
Lending Compliance Hot Topics with ICS Compliance_January 2010ICS Compliance
Although there is much legislation in motion on Capitol Hill, financial institutions are already adapting to interim and/or final rules. This webinar will cover hot compliance issues affecting consumer lending, and will include flood insurance requirements, disclosures affecting mortgage loans, private student loans, and credit cards.
Heather Pritchard of The Home Depot Foundation (THDF) talks about the foundation's commitment of $80 million over five years to support veterans in need.
The document is a presentation about housing issues facing veterans in rural America. It discusses how veterans often make up a large portion of the homeless population in rural areas. It also notes barriers to the HUD-VASH housing program for homeless veterans in rural locations, such as long distances to facilities and a difficultly identifying homeless veterans. Additionally, it addresses the need for accessible housing and home modifications for senior veterans and those with disabilities so they can remain in their homes.
Retha Patton, Executive Director of Eastern Eight CDC in Tennessee, on creating affordable housing option for rural veterans. Presentation from the Housing Assistance Councils symposium "Housing Seniors & Veterans in Rural America: Preservation, Development and Services" in Council Bluffs, IA on August 28-29, 2013.
Jane Erickson of the Iowa Department of Aging discusses providing services for seniors in rural communities. Presentation from the Housing Assistance Councils symposium "Housing Seniors & Veterans in Rural America: Preservation, Development and Services" in Council Bluffs, IA on August 28-29, 2013
Nebraska HUD Field Office Director Earl Redrick details HUD programs that can be used to assist veterans and seniors. Presentation from the Housing Assistance Councils symposium "Housing Seniors & Veterans in Rural America: Preservation, Development and Services" in Council Bluffs, IA on August 28-29, 2013
Demographics of Senior and Veteran Housing in Rural America - Housing Assista...Housing Assistance Council
Keith Wiley of HAC presents demographic data on rural seniors and veterans and their housing. Presentation from the Housing Assistance Councils symposium "Housing Seniors & Veterans in Rural America: Preservation, Development and Services" in Council Bluffs, IA on August 28-29, 2013
Jerry Floyd of the Iowa Finance Authority on multifamily housing resources. Presentation from the Housing Assistance Councils symposium "Housing Seniors & Veterans in Rural America: Preservation, Development and Services" in Council Bluffs, IA on August 28-29, 2013
The document provides information about the Federal Home Loan Bank of Des Moines and its Affordable Housing Program. It discusses that the Federal Home Loan Bank System was authorized by Congress in 1932 and is comprised of 12 regional banks. It also notes that the Federal Home Loan Bank of Des Moines serves Iowa, Minnesota, Missouri, North Dakota, and South Dakota. As part of its mission, 10% of the bank's annual net income is reserved for affordable housing initiatives like the Affordable Housing Program, which provides funding to develop affordable rental and homeownership housing.
Baylee Crone, National Coalition for Homeless Veterans
Presentation from HAC's 2013 symposium "Housing Seniors and Veterans in Rural America: Preservation, Development and Services" in Council Bluffs, IA, August 28-29.
The Silver Tsunami: Are We Prepared for a Senior Housing Population Boom in R...Housing Assistance Council
This presentation was given for a webinar from the Housing Assistance Council (HAC) on May 1, 2013. It is a look at rural demographics through the filter of seniors. Rural America is, on average, older than the rest of the country, and will continue to be so for the foreseeable future.
So you’ve heard about the growing senior population. You have begun
or expanded development, preservation, and repair programs for elderly
housing. But is that enough? For seniors to age in place they need services.
Can your organization provide both the housing and services? Hear from
your peers on how they did it and why it’s important
So you’ve heard about the growing senior population. You have begun
or expanded development, preservation, and repair programs for elderly
housing. But is that enough? For seniors to age in place they need services.
Can your organization provide both the housing and services? Hear from
your peers on how they did it and why it’s important
One’s position is only as strong as the information one uses to support it, no matter how worthwhile the endeavor. Making the case for housing assistance in rural America is no different. Understanding and presenting housing data effectively is a key element of advocating for families, seniors, and veterans in need. The ability to access and use data, such as the Census Bureau’s American Community Survey, is a powerful tool. This workshop will help familiarize participants with accessing data and will present ways data can be used to most effectively advocate for rural housing needs.
One’s position is only as strong as the information one uses to support it, no matter how worthwhile the endeavor. Making the case for housing assistance in rural America is no different. Understanding and presenting housing data effectively is a key element of advocating for families, seniors, and veterans in need. The ability to access and use data, such as the Census Bureau’s American Community Survey, is a powerful tool. This workshop will help familiarize participants with accessing data and will present ways data can be used to most effectively advocate for rural housing needs.
Gender and Mental Health - Counselling and Family Therapy Applications and In...PsychoTech Services
A proprietary approach developed by bringing together the best of learning theories from Psychology, design principles from the world of visualization, and pedagogical methods from over a decade of training experience, that enables you to: Learn better, faster!
Level 3 NCEA - NZ: A Nation In the Making 1872 - 1900 SML.pptHenry Hollis
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إضغ بين إيديكم من أقوى الملازم التي صممتها
ملزمة تشريح الجهاز الهيكلي (نظري 3)
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تتميز هذهِ الملزمة بعِدة مُميزات :
1- مُترجمة ترجمة تُناسب جميع المستويات
2- تحتوي على 78 رسم توضيحي لكل كلمة موجودة بالملزمة (لكل كلمة !!!!)
#فهم_ماكو_درخ
3- دقة الكتابة والصور عالية جداً جداً جداً
4- هُنالك بعض المعلومات تم توضيحها بشكل تفصيلي جداً (تُعتبر لدى الطالب أو الطالبة بإنها معلومات مُبهمة ومع ذلك تم توضيح هذهِ المعلومات المُبهمة بشكل تفصيلي جداً
5- الملزمة تشرح نفسها ب نفسها بس تكلك تعال اقراني
6- تحتوي الملزمة في اول سلايد على خارطة تتضمن جميع تفرُعات معلومات الجهاز الهيكلي المذكورة في هذهِ الملزمة
واخيراً هذهِ الملزمة حلالٌ عليكم وإتمنى منكم إن تدعولي بالخير والصحة والعافية فقط
كل التوفيق زملائي وزميلاتي ، زميلكم محمد الذهبي 💊💊
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Andreas Schleicher presents PISA 2022 Volume III - Creative Thinking - 18 Jun...EduSkills OECD
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THE SACRIFICE HOW PRO-PALESTINE PROTESTS STUDENTS ARE SACRIFICING TO CHANGE T...indexPub
The recent surge in pro-Palestine student activism has prompted significant responses from universities, ranging from negotiations and divestment commitments to increased transparency about investments in companies supporting the war on Gaza. This activism has led to the cessation of student encampments but also highlighted the substantial sacrifices made by students, including academic disruptions and personal risks. The primary drivers of these protests are poor university administration, lack of transparency, and inadequate communication between officials and students. This study examines the profound emotional, psychological, and professional impacts on students engaged in pro-Palestine protests, focusing on Generation Z's (Gen-Z) activism dynamics. This paper explores the significant sacrifices made by these students and even the professors supporting the pro-Palestine movement, with a focus on recent global movements. Through an in-depth analysis of printed and electronic media, the study examines the impacts of these sacrifices on the academic and personal lives of those involved. The paper highlights examples from various universities, demonstrating student activism's long-term and short-term effects, including disciplinary actions, social backlash, and career implications. The researchers also explore the broader implications of student sacrifices. The findings reveal that these sacrifices are driven by a profound commitment to justice and human rights, and are influenced by the increasing availability of information, peer interactions, and personal convictions. The study also discusses the broader implications of this activism, comparing it to historical precedents and assessing its potential to influence policy and public opinion. The emotional and psychological toll on student activists is significant, but their sense of purpose and community support mitigates some of these challenges. However, the researchers call for acknowledging the broader Impact of these sacrifices on the future global movement of FreePalestine.
This presentation was provided by Rebecca Benner, Ph.D., of the American Society of Anesthesiologists, for the second session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session Two: 'Expanding Pathways to Publishing Careers,' was held June 13, 2024.
3. Regulation/Handbook:
7 CFR Part 3550 and
HB-1-3550, Chapter 12
Section 504 Loans and Grants
Section 504 Home Repair Loans and Grants
4. Regulations
Regulations for USDA/RD Section 504 Rural Housing
Repair and Rehabilitation Loans and Grants, are
compiled in 7 CFR Part 3550;
Two handbooks provide details and instructions
about the various aspects of the 504 program.
HB-1-3550 covers tasks undertaken by RD field
offices;
HB-2-3550 explains the work of the agency’s
centralized servicing center.
5. Section 504 Direct Loan /Grant Programs
USDA Rural Development provides direct loans and
grants, as-well-as guaranteed loans, in rural areas.
Rural areas include open country and places with a
population of 10,000 or less and, under certain
conditions, towns and cities between 10,000 and
25,000 population;
Low-income is defined as between 50 and 80
percent of area median income (AMI); Very low-
income is below 50 percent AMI.
6. Rural Development Service Area and Eligibility
Information
RD Rural Housing Programs are rural programs.
Service area, income and property eligibility can
be determined by contacting the local RD Service
Center or online at -
http://eligibility.sc.egov.usda.gov/eligibility/
Web link can be used to learn more about a USDA home
loan programs; Determine if a property is located in an
eligible rural area; Determine income eligibility of an
applicant/ household; or to find out how to apply for a
Rural Development Loan.
7.
8.
9. Purpose:
Section 504 Housing Repair programs provide
loans and grants to very low-income
homeowners to repair, improve, or modernize
their dwellings or to remove health and safety
hazards; or remodel dwellings to make them
accessible to household members with
disabilities.
Section 504 Home Repair Loans and Grants
10. Purpose:
Section 504 Loan Funds may be used to improve or
modernize, make a dwelling decent, safe, and
sanitary; and/or remove health and safety hazards.
Section 504 grant funds may be used only for
repairs and improvements that will remove health
and safety hazards, or to repair or remodel
dwellings to make them accessible and useable for
household members with disabilities.
Section 504 Home Repair Loans and Grants
11. Purpose:
Section 504 loan and grant funds can also be used
to repair mobile or manufactured homes if:
The applicant owns the home and the site and
occupied the home prior to filing an application;
The repairs are needed to remove health or
safety hazards; and
The home is on a permanent foundation, or will
be put on a permanent foundation with Section
504 funds.
Section 504 Home Repair Loans and Grants
12. Restrictions on the Use of 504 Funds
Section 504 loan or grant funds cannot be used
to: Acquisition or new construction
Pay for off-site improvements
Refinance debt
Purchase/install appliances
Site preparation or landscaping
(Examples - Include, but not limited to)
Section 504 Home Repair Loans and Grants
13. Section 504 Home Repair Loans and Grants
Eligibility:
Homeowner-occupants must be unable to obtain
affordable credit elsewhere and must have very
low incomes, (below 50 percent of the area
median income).
Repairs and improvements must make the
dwelling more safe and sanitary or remove
health and safety hazards.
14. Section 504 Home Repair Loans and Grants
Eligibility:
Direct Loans and Grants Income Limits located at:
http://www.rurdev.usda.gov/HSF-
Direct_Income_Limits.html
15. Eligibility:
Grants are only available to homeowners who
are 62 years old or older and cannot repay a
Section 504 loan.
At least one applicant must be 62 or older.
If a budget analysis, based on Form RD 1944-3,
indicates that a grant applicant has partial
repayment ability, as much of the amount as
possible must be issued as a loan, with ONLY the
remainder issued as a grant.
Section 504 Home Repair Grants
16. Terms:
Loans of up to $20,000 and grants of up to
$7,500 are available.
Loans are for up to 20 years at 1 percent
interest. (If the loan amount is less than the
maximum that the applicant could repay, the
loan term should be shortened)
Section 504 Home Repair Loans and Grants
17. Terms:
Repairs financed with grant funds must
result in the removal of health and safety
hazards.
Loans and grants can be combined for up
to $27,500 in Section 504 assistance.
Section 504 Home Repair Loans and Grants
18. Terms:
A grant/loan combination is made if the
applicant can repay part of the cost.
Loans made in combination with grants
must be amortized over the full 20 years
to maximize the loan amount while
minimizing the grant amount.
Section 504 Home Repair Loans and Grants
19. Maximum Loan and Grant Amounts:
The sum of the outstanding balance on all Section
504 loans can never be more than $20,000.
The lifetime grant assistance to any applicant cannot
exceed a cumulative total of $7,500.
Maximum Based on Eligible Costs:
The applicant can only receive loan/grant funds to
cover eligible costs. (For example, if the applicant has
only $5,000 of eligible repairs to make, the maximum
loan/grant allowed is $5,000.) [7 CFR 3550.112]
Section 504 Home Repair Loans and Grants
20. Property Requirements:
Must be considered modest for the area
Must not have an in-ground pool
Must not have a value in excess of the area
loan limit.
Section 504 Home Repair Loans and Grants
21. Standards:
Repaired properties must remain modest
and all work must be completed in
accordance with local codes and standards.
[7 CFR 3550.106(c)]
Water supply and sewage disposal
systems should meet RHS requirements.
Section 504 Home Repair Loans and Grants
22. Standards:
Major health and safety hazards must be
corrected.
Not all existing hazards need to be
removed, provided the property does not
continue to have major health or safety
hazards after the planned repairs are made.
Section 504 Home Repair Loans and Grants
23. Security:
Section 504 Loans greater or equal to $7,500, a
mortgage is required.
Section 504 Grants, no security required.
(Grant recipient must sign Form 3550-24 Grant
Agreement stating grant funds are subject to
recapture, and must be repaid in full, if
property is sold within 3 years) [7 CFR 3550.114]
Section 504 Home Repair Loans and Grants
24. Approval:
Rural Development should make a
decision on an application within 30 to 60
days of receiving it.
Approvals are always contingent upon
availability of funding.
Section 504 Home Repair Loans and Grants
25. Program Funding
USDA Rural
Development.
Program
(millions of dollars)
FY11 Final
Approp.
FY12 Final
Approp.
FY13 Final
Approp.
FY14 Admin.
Budget
FY14
House
Bill
504 VLI Repair Loans $23.4 $10 $ 28 $26.3 $25.4
504 VLI Repair Grants $34 $29.5 $29.5 $25 $18.6
26.
27.
28. POOLING
Non-obligated funds are pooled for
redistribution by National Office.
Pooling usually occurs in mid-July/August.
Applications may be selected for processing
based on date completed and on processing
priority, in the event there is a waiting list at
the local office.
29. FINDING A LOCAL RD OFFICE
For Additional Information:
USDA Rural Development Website
http://www.rurdev.usda.gov
USDA’s Office Locator Web Site:
http://offices.sc.egov.usda.gov/
Check in the white pages in your local phone book
under USDA/Rural Development
Call Rural Development’s Public Information line to
be connected to the State Office servicing your area.
1-800-670-6553
33. Application Forms
USDA E-Forms Website
http://forms.sc.egov.usda.gov
Form RD 410-4, “Uniform Residential Loan Application”
http://forms.sc.egov.usda.gov/efcommon/
eFileServices/eForms/RD410-4.PDF
Form RD 3550-1, “Authorization to Release Information”
http://forms.sc.egov.usda.gov/efcommon/
eFileServices/eForms/RD3550-1.PDF
34.
35.
36.
37. Help USDA Use Section 504 funds
As of July 31, 2013, USDA RD reported:
30.8% of Section 504 loan funds had been obligated and
$18.7 million were still available for Section 504 loans. Loan
funds not obligated by September 30 will be lost.
71.1% of Section 504 grant funds had been obligated and
$7.7 million were still available for Section 504 grants.
Unobligated funds are expected to be Pooled August 16,
2013. All states will have access to loan funds after RD pools
and redistributes the amounts not yet used in some states.
Your help in getting out the word and working with
RD to process loan applications is critical.
38. Additional Information
For additional information on the Section 504
Home Repair Loan and Grant Programs, and
Rural Development, contact the National Office,
1400 Independence Avenue, S.W., Washington,
DC 20250; 202-690-1533.
39. Strategic Contacts and Partnerships
Keep HAC in mind for potential training,
information, loan assistance, and as a gateway
to other federal programs, funding notices, or
housing information and policy in general;
Visit the HAC website at www.ruralhome.org
40. Housing Assistance Council
Housing Assistance Council
1025 Vermont Ave Ste 606
Washington DC 20005
(202) 842-8600
hac@ruralhome.org
www.ruralhome.org
Southeast Regional Office
600 West Peachtree Street NW
Ste 1500
Atlanta, GA 30308
(404) 892-4824
southeast@ruralhome.org
Midwest Regional Office
10100 N Ambassador Dr
Ste 310
Kansas City, MO 64153
(816) 880-0400
midwest@ruralhome.org
Southwest Regional Office
7510 Montgomery, NE
Ste 205
Albuquerque, NM 87109
(505) 883-1003
southwest@ruralhome.org
West Regional Office
717 K Street
Ste 404
Sacramento, CA 95814
(916) 706-1836
west@ruralhome.org
Hazards and Major Hazards A hazard is a property condition that jeopardizes the health or safety of the occupants or members of the community, but that does not make it unfit for habitation. A major hazard is a condition so severe that it makes the property unfit for habitation.
Low-income applicants cannot receive assistance under Section 504. Only Very Low-Income applicants (Below 50% of AMI) are eligible. The applicant must own and occupy the property to be eligible for Section 504 funds, and must be able to document ownership.
Eligibility for a grant is contingent on whether USDA determines the applicant can afford to repay a loan . Most elderly applicants want to apply for a grant, not a loan. But before one can be determined grant eligible, loan repayment ability must be evaluated. (This is the reason 504 applicants must use the same loan application form as a home buyer. This is not well understood, though, even by USDA staff in some areas.
If the loan amount is less than the maximum that the applicant could repay , the loan term should be shortened so that the applicant will pay the maximum amount he or she can afford each month during the term of the loan. For example, if an applicant’s repayment ability calculations indicate the ability to repay a loan in 10 years, the loan should be written for a 10- year term rather than for the maximum term.
Loan Payment amount at 1% for 20 years = $ 4.60 per month per $1,000 of loan. Example $5,000 Loan ($ 4.60 x 5 = $23.00 per month)
Construction Standards [7 CFR 3550.106(c)] Dwellings repaired with Section 504 loan or grant funds must remain modest and all work must be completed in accordance with local codes and standards. They need not be brought to Agency development standards, nor must all of the existing hazards be removed, provided the property does not continue to have major health or safety hazards after the planned repairs are made.
Grant Repayment Agreements [7 CFR 3550.114] Before any grant funds are disbursed, the recipient must sign Form 3550-24, Grant Agreement . The agreement states that if a home repaired with a Section 504 grant is sold within 3 years of grant approval, the full amount of the grant must be repaid.
If loan funds are not committed (obligated) to a complete application usually by mid-July, then they may be pooled from all programs into a “first-come first-serve” pool.
If loan funds are not committed (obligated) to a complete application usually by mid-July, then they may be pooled from all programs into a “first-come first-serve” pool.
Info from HAC Website - We know there is far more need than funds available for this program. It would send the wrong message to have these sorely needed funds go unused. Please contact your local RD office and work with them to help eligible very low-income homeowners get their homes repaired! See July Obligations Handouts.