The Queen City Street Car Project aims to add streetcars to Cincinnati. A presentation was given on June 14, 2011 by J. Brooksbank, M. Carella, and A. Spinnenweber about the future development of streetcars in Cincinnati. The presentation discussed plans to bring streetcars to the city.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Honest Reviews of Tim Han LMA Course Program.pptxtimhan337
Personal development courses are widely available today, with each one promising life-changing outcomes. Tim Han’s Life Mastery Achievers (LMA) Course has drawn a lot of interest. In addition to offering my frank assessment of Success Insider’s LMA Course, this piece examines the course’s effects via a variety of Tim Han LMA course reviews and Success Insider comments.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
1. The Queen City Street Car Project: Committed to the future development of adding streetcars to the city of Cincinnati Presented by: J. Brooksbank, M. Carella, A. Spinnenweber June 14, 2011
Editor's Notes
Slide 1:Good afternoon and welcome to USDA Rural Development Certification Part 1 of 3, each of three sections is about an hour in length and will cover the entire rural housing program. After completion of all three certifications you will be prepared to take and pass the USDA Certification test and begin to market and originate this exciting program. With that said let’s get started;Certification Part 1
Slide 2:Goals for this segment:What is the USDA Rural Development Program?Brief description of what USDA Rural Development isTargeted BorrowersTypes of qualifications and requirements that a borrower must meet to qualify for this programOriginating a USDA Rural Development LoansThe beginning process and procedure for originating your first USDA rural housing loan
Slide 3:What is USDA Rural Development?USDA: United States department of AgricultureRural: Communities with a population less than 10,000Development: Develop Affordable Housing for Rural Residents
Slide 4:Benefits of USDA Rural Housing100% Financing for first time and repeating homebuyers30 Year fixed RateNo Mortgage insuranceFamilies and individuals with limited funds for down payment and closing costNo limit on seller contributionNo limit on gift funds
Slide 6:Overview of USDA Rural Housing: Max LTV – Breakdown100% LTVOf appraised valueMay include all recurring and non-recurring closing cost2% Guarantee Fee2% of the final loan amount Guarantee fee of 2% is required on all USDA purchase loans102% LTVThe 2% guarantee fee may financed into the loan amount
Slide 5:Overview of USDA Rural Housing: Max LTV100% LTV for all qualified borrowersPlus the 2% Guarantee Fee that is required on all USDA loans Equals a TLTV of up to 102% Financing
Slide 9:Overview of USDA Rural Housing: Max Loan AmountLoan amount is based on borrowers repayment abilityWill need to make senseMaximum loan amount cannot exceed appraised value or greater than 102%Will not be able to finance future value items, such as upgrades to the property to increase value.Conclusion: Now that we have a basic overview of what the USDA Rural Development program is, let’s look at the specifics for borrower qualifications.
Slide 9:Overview of USDA Rural Housing: Max Loan AmountLoan amount is based on borrowers repayment abilityWill need to make senseMaximum loan amount cannot exceed appraised value or greater than 102%Will not be able to finance future value items, such as upgrades to the property to increase value.Conclusion: Now that we have a basic overview of what the USDA Rural Development program is, let’s look at the specifics for borrower qualifications.
Slide 9:Overview of USDA Rural Housing: Max Loan AmountLoan amount is based on borrowers repayment abilityWill need to make senseMaximum loan amount cannot exceed appraised value or greater than 102%Will not be able to finance future value items, such as upgrades to the property to increase value.Conclusion: Now that we have a basic overview of what the USDA Rural Development program is, let’s look at the specifics for borrower qualifications.
Slide 8:Overview of USDA Rural Housing: Maximum Loan AmountThere is not a maximum loan amount for USDA Rural HousingLoan amount is based on the borrowers over all financial situation taking into account:IncomeDebt RatioAssetsCredit HistoryLoan amount will be limited by a borrowers history of repaying debt and current finical responsibilities
Slide 10:USDA Rural Housing: Eligible Borrowers QualificationsBorrower may only have one primary residence, for a borrower that currently owns a home and wants to purchase a new home using the USDA program will need have current home sold prior to purchase of the new home.Borrowers must lack the financial resources to obtain conventional financing Borrowers with the financial resources to put up to 20% down are ineligible for this programBorrower’s income cannot exceed the moderate level for the area, which is published on the USDA Rural Housing website. We will be looking at this in part 2 of this certificationBorrowers must be a US citizen with a valid social security numberPermanent and non-permanent resident aliens are not allowed Non-occupant co-borrowers are not allowedAll borrowers must obtain a CAIVERS number to determine if the applicant(s) does not have a delinquent federal loan.
Slide 10:USDA Rural Housing: Eligible Borrowers QualificationsBorrower may only have one primary residence, for a borrower that currently owns a home and wants to purchase a new home using the USDA program will need have current home sold prior to purchase of the new home.Borrowers must lack the financial resources to obtain conventional financing Borrowers with the financial resources to put up to 20% down are ineligible for this programBorrower’s income cannot exceed the moderate level for the area, which is published on the USDA Rural Housing website. We will be looking at this in part 2 of this certificationBorrowers must be a US citizen with a valid social security numberPermanent and non-permanent resident aliens are not allowed Non-occupant co-borrowers are not allowedAll borrowers must obtain a CAIVERS number to determine if the applicant(s) does not have a delinquent federal loan.
Slide 11:USDA Rural Housing: Borrower Eligible Income Borrower(s) that receive overtime, commissions or bonuses must have a history to count into income eligibilityIncome from all household members over 18 years old will be countedBorrower(s) must not exceed 115% of the HUD median income limitsEligibility Income vs. Qualifying Income
Slide 11:USDA Rural Housing: Borrower Eligible Income Borrower(s) that receive overtime, commissions or bonuses must have a history to count into income eligibilityIncome from all household members over 18 years old will be countedBorrower(s) must not exceed 115% of the HUD median income limitsEligibility Income vs. Qualifying Income
Slide 11:USDA Rural Housing: Borrower Eligible Income Borrower(s) that receive overtime, commissions or bonuses must have a history to count into income eligibilityIncome from all household members over 18 years old will be countedBorrower(s) must not exceed 115% of the HUD median income limitsEligibility Income vs. Qualifying Income
Slide 12:USDA Rural Housing: Borrower Qualifying IncomeQualifying IncomeOnly those party to the noteMust be adequate and dependableSufficient to pay proposed housing expense and existing long term debt
Slide 12:USDA Rural Housing: Borrower Qualifying IncomeQualifying IncomeOnly those party to the noteMust be adequate and dependableSufficient to pay proposed housing expense and existing long term debt
Slide 13:USDA Rural Housing: Eligible Income vs. Qualifying Income – ExampleEligibilityModerate Income Level of $68,550Gross Income for borrowers: $70,000Borrower 1: $45,000Borrower 2: $25,000Child Care: $433.30 a MonthAnnual Child Care: $5,2002 Children: $480.00 + $480.00Total deduction for children: $960.00 Gross Income ($70,000) subtract total adjusted income ($6,160) for an eligible income of $63,840QualifyingHUD Median Income of $68,550Gross Income: $70,000Total Adjusted Income: $63,840Amount use for loan qualification: $70,000
