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community development financial institutions - Board of Governors ...

Low-income communities and individuals have always had limited access to financial services, affordable credit, and investment capital. The problem has multiple causes, including historical patterns of racial and ethnic discrimination, banks' and thrifts' concerns about profitability, suburbanization and the flight of capital out of the inner city, and the restructuring of 1 the financial services industry. These and other factors have created both a need and an opportunity for financial institutions that specifically target minority and low-income communities. These “alternative” entities, now referred to as community development financial institutions (CDFIs), include community development banks and credit unions; community development venture capital providers; micro-enterprise funds; and housing, business, and facility loan funds. Although diverse in scope and structure, all CDFIs have a primary mission of improving economic conditions for low-income individuals and communities by providing financial products and services that usually cannot be obtained from more “mainstream” financial institutions. They augment this financing with a range of educational services and borrower-specific technical assistance, so as to increase their borrowers’ economic capacities and potential. Despite a growing interest in CDFIs, we still know very little about these institutions. This paper begins to address this gap. It outlines the history of the CDFI industry and describes how CDFIs are responding to three specific needs in low-income communities: basic financial services; affordable credit for home purchase, rehabilitation, and maintenance; and capital for business development. We conclude with a discussion of three key quesitons facing the CDFI industry: 1. What are the impacts of CDFIs; 2. What is the role of CDFIs relative to conventional financial institutions; and 3. What does the future hold for the CDFIs industry?

FIVE STEPS TO FASTER WRITING ASSESSMENTS M.Ed ...

FIVE STEPS TO FASTER WRITING ASSESSMENTS By Jennifer J. Salopek, Writer A s part of Strayer University’s Writing Across the Curriculum initiative, faculty are often asked to assess student writing in their courses, regardless of the subject. This may result in instructors feeling overwhelmed by the prospect of teaching writing in addition to the course’s subject matter and by the potential number of writing assignments that will require grading. Beth Hewett, Ph.D., author of The Online Writing Conference: A Guide for Teachers and Tutors, says faculty can maximize time efficiency and provide helpful remediation to students with just a few adjustments to the way they approach writing assignments. “My goal is to help faculty stop doing things that are a waste of their time and show them how to address student writing in a focused way,” says Dr. Hewett. According to her, the most common mistake is to spend an inordinate amount of time correcting the writing assignment—trying to fix it rather than showing the student how to fix it. Hewett led a webinar last fall for Strayer University faculty titled, “Using Online Conferencing Strategies to Improve Writing Instruction,” in which she offered five tips fo r quicker, better and more efficient essay responses.

Antibiotics in the treatment of tonsillitis - BJGP British Journal of ...

SUMMARY. Tonsillitis was studied in 317 patients over two years. A short course of antibiotics was found to be highly effective in clearing streptococci from the throat, but it was questionable whether the clearance shown represented eradication. It is suggested that the duration of treatment should be on a selective basis, using a ten-day, or short antibiotic course, according to circumstances. Withholding antibiotics altogether is not considered advisable. I could not differentiate between streptococcal and presumed viral tonsillitis on clinical grounds. The resulting possible policies of treatment are discussed. I suggest giving all cases of tonsillitis antibiotics at the time of presentation. Introduction While there is general agreement that penicillin is the antibiotic of choice, the duration of treatment in tonsillitis is more controversial. Traditional teaching advocates a ten-day course to eradicate streptococci and thereby prevent rheumatic fever (Wannamaker et al. 1953; Catanzaro et al, 1954), but the incidence of rheumatic fever is now low and it is questionable whether eradication of the streptococcus in every instance of tonsillitis is still necessary. The Dutch community studies by Valkenburg et al. (1971) tend to support this view, their results indicating that the attack rates of rheumatic fever were no higher among patients not treated with antibiotics. If rheumatic fever prevention should no longer be a major concern in the treatment of tonsillitis, then a ten-day antibiotic course with its problem of compliance (Bergman and Werner, 1963; Charney et al, 1967) would not usually be necessary, and a short course to alleviate immediate infection would probably be adequate. Further, some credence would also be given to the view that antibiotics are not necessary at all, particu¬ larly as over half the incidence of tonsillitis is non-streptococcal.

Mons Enrico Dal Covolo Pontificia Università Lateranense una fucina per i giovani di domani

Intervista a Mons. Enrico Dal Covolo, Rettore della Pontificia Università Lateranense a Specchio Economico: “Oggi l’idea stessa di università è molto diversificata. L’università è nata nel Medioevo in casa-Chiesa, «universitas scientiarum» che al vertice e come punto di reductio ad unum prevedeva la sintesi filosofico-teologica. Molte università hanno rinunciato a ciò. L’università Lateranense, invece, si propone di conservare integra l’idea genuina di università”.

Print/View Service Menu PDF - Bella Beauty College

Extensions Hourly Rate added to listed prices Haircuts Shampoo, Cond. & Blowdry Included Haircut Clipper Cut Edge Up Bang Trim Hair Styles $ $ $ $ 6.00 7.00 3.00 3.00 Shampoo & Cond. Included Shampoo Roller Set Blowdry Curling Iron (Short-Medium Hair) Curling Iron (Long Hair) Flat Iron (Short-Medium Hair) Flat Iron (Long Hair) Blowdry / Curling or Flat Iron Blowdry / Press Press / Curling or Flat Iron Plait Wrap Wrap / Curling or Flat Iron Spiral Curl / Rollers Spiral Curl / Perm Rods Spiral Curl / Curling Iron Dryer Only Up-Do Ponytail (own hair rolled) Braid Braid (with added hair) Braids / Up-Do French Twist (own hair) Finger Waves Comb Out Only Crimps Straw Set Freeze Flat Twisties (half head) Flat Twisties (whole head) Quick Weave $ 2.00 $ 6.00 & UP $ 8.00 & UP $10.00 & UP $15.00 & UP $15.00 & UP $20.00 & UP $15.00 & UP $15.00 & UP $20.00 & UP $10.00 & UP $ 8.00 & UP $15.00 & UP $10.00 & UP $15.00 & UP $20.00 & UP $ 1.00 $25.00 & UP $10.00 & UP $ 5.00 & UP $15.00 Each $45.00 & UP $25.00 & UP $15.00 & UP $ 5.00 & UP $20.00 & UP $25.00 & UP $20.00 & UP $15.00 & UP $25.00 & UP $45.00 +$5 per hour Corn Rows (own hair) Corn Rows w/ Design (own hair) Corn Rows (added hair) Corn Rows w/ Style or Up-Do Corn Row Removal Extensions (microbraids) Extension Removal Bonded Tracks Bonded Tracks Removal Sewn Tracks Sewn Tracks Removal Dread Locks Double Twisties Crochet Braids Additional Fee for Beads Additional Fee for Virgin Hair $25.00 $35.00 $35.00 $45.00 $10.00 & UP $65.00 & UP $25.00 $ 5.00 per Track $ 2.50 per Track $10.00 per Track $ 5.00 per Track $25.00 & UP $40.00 & UP $50.00 $ 5.00 Extra $ 5.00 Extra Perms & Relaxers Partial Perm Perm Spiral Wrap Elasta QP Care Free Affirm Affirm Sensitive Scalp Wave Nouveau Addition Applications Cut & Basic Style Included $ 1.00 $30.00 $55.00 $30.00 $35.00 $35.00 $45.00 $40.00 $ 5.00 per Rod & UP & UP & UP & UP & UP & UP & UP Extra Gift Certificates & Specials Events and Gift Certificates are perfect for Birthdays & Quinces, Weddings & Prom, Pamper Days & Holidays! Create a unique experience. Customize your very own Gift Certificate! Events are special at Bella. Schedule your next Birthday, Quince, or Bridal party with us! ** TUESDAYS & WEDNESDAYS ** Senior Discounts 20% OFF! Esthetic Services Hair Color Temporary Rinse Semi-Permanent Color (under dryer additional fee) Demi-Permanent Color Permanent Color (one shade) Bleach (virgin) Bleach Retouch Shampoo Cap Color or Bleach (w/ cap) Color or Bleach (w/ foil) Corrective Color High Lights or Low Lights (w/ cap) High Lights or Low Lights (w/ foil) High Lights & Low Lights Streaks Additional Toner per application Blowdry Included $ 1.00 $10.00 $5.00 Extra $20.00 $20.00 & UP $45.00 & UP $30.00 & UP $20.00 & UP $35.00 & UP $45.00 & UP $50.00 & UP $35.00 & UP $45.00 & UP $65.00 & UP $ 5.00 Each $15.00 Each Conditioners Leave In (moisturizer) Under Dryer (moisturizer) Customizable (moisture & protein) Reconstructor Shimmering Lights Shampoo Tea Tree Shampoo Tea Tree Conditioner $ 2.00 $ 5.00 $ 7.00 $10.00 $ 1.00 $ 1.00 $ 1.00 $ 10.00 $ 55.00 $160.00 $ 30.00 $ 30.00 $150.00 $ 20.00 $ 15.00 $ 20.00 $ 25.00 $ 25.00 $ 6.00 $ 8.00 $ 15.00 $ 8.00 & UP $ 6.00 $ 6.00 $ 6.00 $ 25.00 $ 15.00 & UP $ 25.00 & UP $ 40.00 & UP $ 30.00 & UP $ 20.00 & UP 5 Locations to Serve You! North Austin (512) 454-2781 4631 Airport Blvd. Austin, TX 78751 South Austin (512) 444-9875 623 W. Ben White Blvd. Austin, TX 78704 Nail Services Express Manicure (soak, file, polish) Add Paraffin Wax Add French Polish Spa Manicure Express Pedicure (soak, file, polish) Add Paraffin Wax Add French Polish Spa Pedicure Full Set Nails Fills Repair Nails Nail Removal Polish Change (hands) Nail Art 3D Nail Art Make-Up (please provide foundation) Microdermabrasion (single session) Micro Pkg. (5 sessions) Glycolic Peel (single session) Salicylic Peel (single session) Peel Pkg. (6 sessions) High Frequency Treatment Express Facial Spa Facial Ultimate Facial (Extractions Included) Back Facial Brow Tint Lash Tint Lash Tabbing Brow Tweeze or Wax Lip Wax Cheek Wax Chin Wax Full Face Wax (chin, lip cheeks) Underarm or Shoulder Wax Half Leg Wax (both legs) Full Leg Wax (both legs) Chest or Back Wax

Introduction: Approaches to Byzantine Architecture and ... - Ashgate

In this volume, 14 students of Slobodan Ćurčić present chapters on Byzantine architecture, representing the wide variety of topics and approaches inspired by his teaching and mentoring over the past four decades.1 Taken together, the chapters provide a useful overview of the methodologies currently employed in the study of Byzantine architecture, as well as revealing the broad range and rich repertory of monuments. In this introduction, we attempt to situate the contributions of Ćurčić and his students more broadly within the scholarship on Byantine architecture of the last half century. While much has changed since Professor Ćurčić began his own investigations, what may be most apparent from a perusal of the present volume is the relative newness of Byzantine architecture as a subject of scholarly enquiry. Few Byzantine buildings have received basic documentation, let alone thorough examination. The monographic examination of a building may now seem quaint and recherché for other periods of architecture, but for Byzantium it remains an absolute necessity.2 In areas of rapid development, demographic changes, and conflict, the buildings often disappear before they can be properly studied. Of the Anatolian churches Gertrude Bell visited in the early twentieth century, for example, fewer than half still stand, and those are considerably worse for wear.3 Some of the most significant buildings, such as the church of the Nativity in Bethlehem, San Vitale in Ravenna, Hosios Loukas and Daphne in Greece, HH. Sergios and Bakchos, and even Hagia Sophia in Istanbul await detailed, authoritative studies to this day. Many of the most important monuments have preserved no written documentation at all, and thus basic questions of chronology remain to be sorted out. Such is the case with several of the churches of Thessalonike, where it is unclear whether we accept revised (if perhaps controversial) dating provided by dendrochronology or the traditional dating from inscriptions ...

BlackBerry Z10 Smartphone-User Guide

BlackBerry Z10 Smartphone Published: 2014-05-07 SWD-20140507102407767 Contents Setup and basics........................................................................................................................................... 6 New in this release......................................................................................................................................... 6 Your device at a glance.................................................................................................................................. 7 What's different about BlackBerry 10?............................................................................................................8 Home screen at a glance..............................................................................................................................16 Application icons......................................................................................................................................... 16 Notification icons......................................................................................................................................... 19 Menu icons..................................................................................................................................................20 Inserting the micro SIM card, battery, and media card.................................................................................. 20 Set up your device using the Setup app........................................................................................................ 24 Using the touch screen................................................................................................................................ 25 Personalizing your device.............................................................................................................................30 Where do I find customer support?............................................................................................................... 30 Device Switch.............................................................................................................................................. 31 BlackBerry ID.............................................................................................................................................. 36 Phone and voice.......................................................................................................................................... 40 Phone basics............................................................................................................................................... 40 Notifications and ring tones..........................................................................................................................49 Voicemail.....................................................................................................................................................54 Voice Control............................................................................................................................................... 56 BlackBerry Hub and email........................................................................................................................... 62 The BlackBerry Hub at a glance................................................................................................................... 62 BlackBerry Hub and email........................................................................................................................... 62 BBM............................................................................................................................................................87 Facebook.................................................................................................................................................... 87 Twitter......................................................................................................................................................... 87 LinkedIn...................................................................................................................................................... 87 joyn............................................................................................................................................................. 87 Media.......................................................................................................................................................... 91 Change the media volume............................................................................................................................91 Supported audio and video file extensions, formats, and codecs................................................................... 91 Camera........................................................................................................................................................92 Pictures....................................................................................................................................................... 98 Music........................................................................................................................................................ 102 Videos....................................................................................................................................................... 106 BlackBerry Story Maker............................................................................................................................. 108 Media sharing............................................................................................................................................110 Games.......................................................................................................................................................111 Settings..................................................................................................................................................

BlackBerry 10 retail display mode instruction guide – English (PDF)

Any commercial unit can be converted to Retail Display Mode, just follow these steps: Set Up I  nsert a Micro SIM into the device by removing the back door. If no sim is available, the device will prompt you to connect to a Wi-Fi® network during demo setup. Did you know? You can change the language of the display mode by changing the language of your device. Just select ‘Language and Input’ in the Settings menu and change your device language as desired. 1.  rom the Home F Screen, with your finger or thumb, Swipe Down from the top bezel of the device to access the Settings Menu. 2. Select Display 6.  urning Demo T Mode On 7. f a Sim Card was NOT I inserted you will be prompted to set up a Wi-Fi connection. Select Enable Wi-Fi to connect to your network. 3. Select Advanced  Toggle Retail Display Mode to ON 4.  hen prompted, W enter the password “instoredemo” 5.  ext, you’ll need N to create your own unique password. Select something easy to remember be sure to write it down. 9. Updating Demo  Content 10. Exiting Display  Mode  you want to update If demo just Swipe Down from the top bezel and select update.  you want to exit If display mode (not recommended), just Swipe Down from the top bezel and select Close App. Congratulations You’re device is now in Retail Display Mode. Please familiarize yourself with the demos. Support Should you need assistance, please visit: www.BlackBerry.com/supportplan  Accept the device permissions by hitting OK.

MIT Pune Transforming Lives with Industry Oriented Courses

MIT Pune has carved a place of prominence and set up high standards in the education sector with their progressive strategies and advanced teaching methodologies.

Developing a framework for effective financial crisis management

Public confidence plays an important role in sustaining financial system stability. In normal times the regulation and supervision of banks, the promotion and use of standards of sound business and financial practice, central bank actions, explicit deposit protection and an effective bank closure mechanism all help to reduce the adverse consequences of a financial crisis emanating from bank failures. It is understood that banks, like other firms, will fail1 and the likelihood of this happening is higher when risks in a particular banking concern are not managed appropriately, bubbles in certain markets burst or financial markets are very fragile due to either domestic or foreign reasons. In almost all circumstances private sector solutions, such as rights issues or mergers, should be pursued in the first instance to deal with problem or failing banks, as in most cases they can limit the pressure on the financial system safety net (FSN). However, when problems become systemic governments tend to play a much more active role and call upon the agencies that make up the FSN to undertake extraordinary measures. Intervention can take a variety of forms. As such, there is a clear need for officials to undertake coherent contingency planning, financial risk assessment and crisis management. A significant development on that front has been the introduction of financial stability forums in the form of committees in individual countries to oversee agencies within the official safety net and improve how they govern macro-prudential and micro-prudential issues (Nier et al 2011).2 However, financial stability committees are not new and the reinvigoration of a formal oversight body is unlikely to fulfil all that is expected of it. This gives rise to an expectations gap, which we explore.

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