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Industry News – December 4, 2019
As the CDFI Fund Approaches 25 Years, Policymakers May Need to Rethink CDFI Regulations Mission-driven organizations are too frequently tied down by regulations that don't fit their risk profile. Despite the fact that CDFIs had no substantial role in the latest...
Policy News – December 4, 2019
On December 10, the House Committee on Small Business will meet on the United States Small Business Administration's (SBA) 504/CDC Loan Program. The hearing will offer Members of the Subcommittee the opportunity to hear directly from program participants....
AEO Congratulates Secretary of Treasury Janet Yellen After Senate Confirmation
Policy News – January 27, 2021
Industry News – January 27, 2021
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AEO is the leading voice of innovation for microbusiness and microfinance. We engineer transformational change through Research, Incubation, Convening & Advocacy to foster a robust and inclusive marketplace.
We create economic opportunity for underserved entrepreneurs throughout the United States.
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Dedrick Asante-Muhammad
Chief of Race, Wealth, And Community
National Community Reinvestment Coalition (NCRC)
Dedrick Asante-Muhammad is Chief of Race, Wealth and Community at the National Community Reinvestment Coalition (NCRC). He oversees NCRC's Fair Housing, Fair Lending and Small Business programs. Dedrick is known for his racial economic inequality analysis particularly as it relates to the racial wealth divide.
Dedrick comes from Prosperity Now where he was Senior Fellow and founder of the Racial Wealth Divide Initiative. Before Prosperity Now, Dedrick worked for the NAACP, where he was the Senior Director of the Economic Department and Executive Director of the Financial Freedom Center. Dedrick has also worked for Reverend Al Sharpton's National Action Network and the Institute for Policy Studies.
James Woo
Bio forthcoming.
Chris Wheat
JPMorgan Chase Institute
Chris Wheat is the Director of Business Research for the JPMorgan Chase Institute. Prior to joining JPMCI, Chris served as the Director of Analytics at a financial technology startup, where he led the development of advanced analytics algorithms. He previously was an Assistant Professor at the MIT Sloan School of Management and at the Center for Urban Entrepreneurship and Economic Development at Rutgers Business School. As a faculty member, he taught and researched topics in strategy, entrepreneurship, global microfinance, economic sociology, and social network analysis.
Chris earned a B.S.E. in Mechanical & Aerospace Engineering from Princeton University, an M.S. in Computer Science from Stanford University, an M.A. in Sociology from Harvard University, and a Ph.D. in Organizational Behavior from Harvard University.
Nancy Stark
Community Strategy Solutions
Stark has a 35-year tenure in the community and economic development field. Before coming to Community Strategy Solutions, she directed Enterprise & Economic Development at the Corporation for Enterprise Development (CFED) in Washington, D.C. Stark's previous affiliations include the Rural Policy Research Institute, the National Center for Small Communities, and The Aspen Institute. She holds a M.S. in Public Financial Management from The American University and a B.S. in Community Organizing and Public Policy from Cornell University.
Patricia Harris
The Harris Consulting Group
AEO Board Chair Emeritus
With over 25 years of organizational development and nonprofit leadership/management, Patricia Harris has accumulated a depth of experience in nonprofit management, outcome-based strategic planning, nonprofit board governance development, organizational turnaround process, organizational capacity building, community development, and microbusiness development. Patricia has numerous national awards and accolades attesting her leadership and service to the nonprofit sector. Harris Consulting Group is a family owned business and has been in operation since 1990.
Jared Gleue
Community Development Officer for Utah and Wyoming
Wells Fargo Bank
Jared Gleue, Community Development Officer for Utah and Wyoming for Wells Fargo Bank, has been in banking and finance for over 40 years. He started out collecting on defaulted loans, and has worked in UT, AZ, WY and now back in UT.
During this time, he has enjoyed varied experiences in banking. He worked in the business banking area and enjoys meeting small business owners, learning what they do, feeling their passion for their work, and helping them succeed financially by providing financial tools to help them run their business. He and his family owned a small business in Wyoming, a cabinet shop, and experienced the challenges and opportunities that an entrepreneur goes through.
He has enjoyed his years in community development, especially seeing nonprofits in the community as they work to help those in need. He is impressed by the dedication, determination, and creativity of nonprofit leaders who give so much of their time and resources. They are an amazing group! He covers the states of Utah and Wyoming. It's a fun job and one that lets him see the hard work of the nonprofits and also the willingness of team members to get out and volunteer.
Jared enjoys working with AEO and supporting their great work in helping diverse small businesses succeed.
Tanya Hughes
Partner, Financial Services Advisory and Compliance
Guidehouse
Tanya Hughes is a partner within the Banking, Insurance & Capital Markets practice, based out of Washington D.C. As a dynamic, passionate and innovative leader with more than 20 years of financial services experience, Tanya has worked with some of the largest global financial institutions. She leverages a strategic background in technology and operations to help clients to effectively enable their businesses by providing expertise and solutions in the areas of: digital, payments, core banking, robotic process automation, business process outsourcing, regulatory and compliance, as well as advisory consulting
Prior to joining Guidehouse, Hughes was a Managing Director at FIS, where she spent over 10 years advising clients on strategic initiatives to modernize and consolidate their legacy systems across core, eBanking, payments and infrastructure environments as they looked to enhance and simplify their customer experiences. She also has extensive experience working with third party oversight and vendor risk management functions related to the enablement of new technologies.
Ron Fong
Asian Pacific Islander Small Business Program
Ron Fong leads the Asian Pacific Islander Small Business Program (APISBP), which provides bilingual technical assistance to thousands of entrepreneurs, to help them start or expand their small and micro businesses. APISBP is a collaboration of five community-based organizations, formed to assist the development of small and micro businesses in Los Angeles with a particular focus on low-income immigrants of Chinese, Filipino, Japanese, Korean and Thai descent.
Fong has established himself and the organization as a voice for low-income Asian immigrant entrepreneurs. He has over 30 years of community economic development, housing finance, and city planning experience. Prior to serving at APISBP, Fong directed small business assistance, land use, and urban planning initiatives for the Little Tokyo Service Center as part of their community economic development strategy. He previously served as the Community Development Director for the Fannie Mae Western Regional Office. Fong also directed the Los Angeles office of the California Housing Partnership Corporation, a statewide nonprofit that provides affordable housing financial consulting services. He has also worked for redevelopment agencies in Boston and St. Louis.
Fong has been elected three times to represent Little Tokyo on the Historic Cultural Neighborhood Council in the City of Los Angeles, and recently chaired Union Bank's Community Advisory Board. Fong received a Bachelor of Arts degree in Architecture from the University of California, Berkeley and studied at the Department of Urban Studies and Planning at the Massachusetts Institute of Technology.
Jen Faigel
Executive Director and Founder
CommonWealth Kitchen
Jen Faigel is a co-founder of the former CropCircle Kitchen, now CommonWealth Kitchen, and stepped in as Executive Director in 2014. Jen is responsible for setting organizational strategy, raising funds, wrangling staff and businesses, developing and managing strategic partnerships, and generally managing the chaos. Jen's background is in real estate and community economic development. She was the lead real estate consultant for the $15 million Pearl project, which is now home to CWK's flagship kitchen operation. In her career, Jen has developed more than 400 affordable homes and over 225,000 SF of commercial real estate – worth over $200m – as a means to create jobs and economic opportunity. Her motto in life is- "If you can't ride two horse at the same time, then you shouldn't be in the circus!" Jen's all-time favorite food is white clam pizza from Pepe's in New Haven.
Byna Elliott
Head of Advancing Black Pathways
Byna Elliott is a community reinvestment professional with over 20 years of experience. As the Senior Vice President and Director of Community and Economic Development for Fifth Third Bank, Elliot oversees its landmark $30 Billion Community Commitment. She started her career at the Office of the Comptroller of the Currency in 1993, where she spent five years administering all aspects of consumer compliance programs and Community Reinvestment Act initiatives. Elliott moved into the financial services industry in 1998, and in 2001 she launched her tenure with Fifth Third Bank, a $141 billion financial services company with retail presence is Ohio, Michigan, Illinois, Florida, Indiana, Georgia, Kentucky, West Virginia, Tennessee and North Carolina.
Elliott holds a B.B.A. Business Administration from Eastern Michigan University and a Boston College Corporate Citizenship Certificate. Her professional and civic positions include: Chairperson, Greater Works Foundation (GWF); Board & Trustee, St. Joseph Mercy Oakland; Board Member, Habitat for Humanity; Board Member, Wayne County Development Entity; Board Member, Woodstock Institute (Chicago); and Task Force Member, Detroit Neighborhood Forum.
Daniel Delehanty
CRA Officer and Director of Community Development
AEO Board Chairperson
Daniel Delehanty has been a leader in the field of community development for over 20 years. Delehanty launched his career international development at Trickle Up, where he led microenterprise efforts in Africa before serving as Deputy Executive Director. Later, he turned his attention to community development in the U.S., where he served as Deputy Executive Director with the Business Outreach Center Network in Brooklyn.
Delehanty later transitioned to the public sector, serving as the Director of the Community Affairs Unit at the New York State Department of Financial Services. There, he focused on facilitating partnerships between banks and community groups related to affordable housing, financial education, and small business development. He also spearheaded the Banking Development District Program, which focused on bringing banking services to underserved areas.
In 2006, Daniel returned to the private sector as a Senior Director on Capital One's Community Development Banking team, where he was responsible for community ans small business development activities nationally and regionally. In 2016, Daniel joined BNB Bank as CRA Officer and Director of Community Development.
A resident of Queens, NY, Delehanty is a Phi Beta Kappa graduate of SUNY at Stony Brook and attended graduate school at Columbia's School of International and Public Affairs.
Gary Cunningham
Prosperity Now
AEO Board Vice Chairperson
For more than 20 years, Gary L. Cunningham has served as a top leader of philanthropic, health care, public policy and educational organizations. Cunningham comes to Prosperity Now from MEDA, where he served as President and CEO from 2014 – 2019. At MEDA, he was committed to addressing racial economic inequities by fostering minority business development in Minnesota through MEDA's proven market-based solutions.
Prior to joining MEDA, Cunningham served as Vice President and Chief Program Officer for the Northwest Area Foundation and as the President and Chief Executive Officer for NorthPoint Health and Wellness Center in Minneapolis. Currently, he serves on multiple boards, including: Co-chair, African American Leadership Forum; Board Chair, Association of Black Foundation Executives; Board Member, Corporation for Enterprise Development; Board Member, GREATER MSP; and Council Member, Metropolitan Council in the Twin Cities.
Cunningham has been locally and nationally recognized throughout his career for his commitment to civil rights, education, and public policy.
Brandie Conforti
Global Chief Development Officer
JA Worldwide
Brandie Conforti is the Global Chief Development Officer for JA Worldwide, having built a career as a trusted leader in the nonprofit industry over 15 years. During the eight years prior to joining JA, she focused her energies on building major, multi-million dollar partnerships in international and economic development. Most recently, she served as Vice President, Institutional Partnerships, at Accion, a global leader in financial inclusion, where she oversaw all aspects of fundraising from corporations, foundations, and public institutions. She also served as a member of Accion's Management Committee.
Brandie launched her nonprofit career at World Boston, a World Affairs Council affiliate, whose mission is to educate the public about issues of global importance. Having started as a program manager at the organization, after two years she was promoted to the role of Executive Director, where she reinvigorated the organization financially and programmatically.
Brandie received a BA in Political Science from the College of the Holy Cross with an emphasis on Middle Eastern Studies. She also completed the Harvard Business School-Accion Program on Strategic Leadership in Inclusive Finance.
Joshua Brackett
Access to Capital for Entrepreneurs
AEO Board Treasurer
Joshua Brackett is the CFO of Access to Capital for Entrepreneurs (ACE), where he oversees finance, accounting, compliance and loan collection. Under his direction, ACE became nationally accredited and successfully secured debt capital from Goldman Sachs, Bank of America, Wells Fargo, PNC Bank, FHLBA, and Hamilton State Bank after undergoing rigorous due diligence processes by each institution. Brackett is a Babson College 10,000 Small Businesses Alumni and served on the Aeris Rating Advisory Board and the OFN "Performance Counts" CFO Working Group. He also successfully completed the Community Bankers Association consumer lending school. A graduate of Berry College, where he earned a BS in Business Administration, Brackett has served in banking with experience as a loan collector/auditor, financial analyst, and finance manager with several community banks.
Susan Taylor Batten
ABFE
Ms. Batten joined the Association of Black Foundation Executives (ABFE) as President and CEO in January 2009. ABFE's mission is to promote effective and responsive philanthropy in Black Communities and counts among its members some of the most influential staff, trustees and donors of grantmaking institutions in the U.S. Under her leadership, ABFE has expanded its base of programming and membership across the country.
Prior to joining ABFE, Ms. Batten was a Senior Associate with the Annie E. Casey Foundation. At Casey, Ms. Batten served as staff in the Community Change Initiatives Unit which provided investments to help transform neighborhoods into family supportive environments. She also coordinated a portfolio on Equity, Diversity and Inclusion where she worked across the Foundation to strengthen its' focus on addressing racial disparities. Her duties also included assisting Casey in its efforts to build and employ equitable and inclusive management and administrative practices (workforce diversity, grantee diversity, vendor practices, etc.). Prior to working in philanthropy, Ms. Batten held leadership positions in both federal and city government.
She is a co-founder of the Race and Equity in Philanthropy Group and serves on the board of the United Philanthropy Forum. Ms. Batten received her Bachelor of Arts degree in English and Political Science from Fisk University, and her Masters of Social Work degree from Howard University in Washington, D.C.
Courtney Robinson
Head of Financial Inclusion and Public Policy Development
Courtney Robinson serves as the Financial Inclusion Lead for Square. Previously she was the Senior Counsel on the House Financial Services Committee, where she worked closely with Congresswoman Maxine Waters (D-CA). At Square she works on issues critical to underserved communities and financial services policy development, particularly related to equal access to banking services and the broader financial system. She is a graduate of North Carolina Central University and American University.
Prestamos CDFI, LLC.
With over 20 years of experience in non-profit management, and fund development, Jose Martinez serves as both Executive Vice President of Economic Development, and President of Prestamos CDFI, LLC. Mr. Martinez is responsible for the strategic direction and oversight of Prestamos – a subsidiary lending division of Chicanos Por La Causa, and also leads CPLC's strategy to improve economic conditions in low-income communities by providing investments and services that lead to job creation and economic prosperity. Mr. Martinez also provides strategic direction for CPLC's Opportunity Zone initiative.
Under his leadership, Prestamos has more than tripled its annual lending, deploying over $89 million (2011-2018), and has led the institution in providing access to capital and technical support to small businesses and economic development projects in Arizona, Nevada, New Mexico and Texas. In 2018, Mr. Martinez had recorded and managed a portfolio of over $52 million in assets.
Mr. Martinez has dedicated over 20 years to CPLC in various capacities, including his service as Vice President of Strategic Initiatives. Throughout his career, he has raised over $165 million for CPLC programs and joint ventures.
Mr. Martinez holds both a bachelor's degree in Communication and a Master's in Business Administration from Arizona State University.
Lenwood V. Long, Sr.
BV&L Associates
Lenwood has more than twenty-five years of experience in community economic development, human resources and business management. He has held leadership positions in a variety of organizations, including statewide economic and community development agencies, national consulting firms, and nonprofit organizations. Lenwood also served as the Minority Affairs Assistant in the Office of former North Carolina Governor James E. Holshouser and the Chief of Staff for former Congresswoman Eva M. Clayton.
Most recently, Mr. Long, was the President/CEO of Carolina Small Business Development Fund (CSBDF), a Community Development Financial Institution (CDFI) and statewide nonprofit organization. The mission of Carolina Small Business is to foster economic development in underserved communities by providing capital, business services and policy research to support small businesses. Lenwood presently serves as the President of BV&L Associates, Inc.
Gustavo Lasala
PeopleFund
Gustavo is a seasoned microfinance practitioner passionate about advancing opportunities for underserved communities through capital. Prior to becoming President and CEO of PeopleFund he held leadership positions with top-tier community lenders where he was instrumental in their growth at a national level. Highlights of his career include: the development of LiftFund's MMS – an early "lending as a service" platform tailored to microlending in the US; the financial engineering of a $30M asset purchase agreement between LiftFund and Citibank – a first in US microlending; the expansion of Oportun (from 35 to 85 stores) where he was directly responsible for the production of 20,000 loans per month; he redefined the CFO role for Opportunity Fund and put together credit facilities that helped the organization become the largest non-profit microlender in US. Most recently he co-founded and managed Listo, an organization providing financial products and services to thousands in California. Gustavo has served on the boards of Opportunity Finance Network, Foundation for Women and School of Excellence – San Antonio and holds a Master's Degree in Business Administration from the University of Texas at Austin.
Diane Reinhold
Innovation Program Manager
Diane Reinhold is the Innovation Program Manager at AEO. In her role, she researches, convenes, and incubates innovative projects. A critical component of Reinhold's role is planning, overseeing, and leading the development of new services from ideation through completion. She works closely with our partners and members from the initial development phase through implementation.
Prior to AEO, Reinhold held a variety of commercialization and innovation roles at the Center for Creative Leadership. She was responsible for the development of new offerings ranging from complex organizational development initiatives to individual leadership development programs to simple digital tools. During her tenure at CCL, Reinhold created not only new offerings but researched what made learning stick and created a model that became the foundation of all of the Center's programs. She led the Language Strategy Initiative which enabled CCL to deliver programs in multiple languages; attracting and retaining over $20M in business. She also successfully launched offices in Europe and Asia extending the Center's reach around the globe. Her areas of expertise include boundary spanning leadership, learning transfer, and action learning. While at CCL, Reinhold helped develop new business models that enabled CCL to serve entrepreneurs and contract workers, as well as non-profits and Faith-based organizations.
Reinhold has broad experience in product and service development. She has worked to develop new products and services for educational, technical, medical, and financial organizations. Reinhold holds three degrees – an MBA from Fairleigh Dickenson and two Bachelor's degrees from Lehigh University, one in Chemistry and the other in Technical Writing.
Rosalie Judd
Director, Marketing & Communications
Rosalie "Rosie" Judd comes to AEO with over 15 years of Marketing and Communications experience, primarily in the digital marketing space. Rosie is passionate about applying her skills to the non-profit community and has dedicated over 6 years of her career to leading the digital marketing teams at both Georgia Aquarium and the Shepherd Center, a non-profit hospital dedicated to brain and spinal cord injury. Other previous roles include digital marketing positions within the travel and retail industries at Delta Air Lines, Petco, InterContinental Hotels Group, and AirTran Airways.
Rosie is a marketing and communications expert dedicated to crafting the ultimate brand and organization experience using behavior and analysis to drive innovative content and strategies. Rosie specializes in member lifecycle development and designing omni-channel experiences that both attract and retain members while also delivering continuous improvements and increased engagement. Her ability to develop new channels, new best practices, and new audience segments has resulted in numerous successes and awards throughout her career, including Atlanta Marketer of the Year in 2013 for a Georgia Aquarium social media campaign.
Rosie also believes strongly believes in servant leadership and participates in many speaking opportunities and mentorship projects for marketing students and entry-level marketers throughout the year. The internship program that she developed at Georgia Aquarium has placed her former interns at well-respected companies throughout the east coast, including Georgia-Pacific, The Home Depot, Arby's, Delta Air Lines, and ListenFirst Agency. As a highly engaging speaker, she has also had the opportunity to present her strategies and leadership style at several esteemed marketing conferences, including IBM Think Digital, Dreamforce, and SXSW and has served on many local marketing panels in the Atlanta Marketing community.
Rosie is an alumnus of Oberlin College in Ohio where she completed a B.A in Medieval History, while also concurrently minoring in Politics, Russian Studies, and Art History. Rosie is an Atlanta native, where she currently lives and works while restoring her grandparents 100-year-old home in South Atlanta and volunteers with the High Museum of Art, Dauphin Island Bird Sanctuaries, and the Atlanta Community Food Bank. In her free time, she enjoys live music, swing dancing, and travelling to see museums and historic sites.
Veronica Maturino
ONABEN
Veronica Maturino is the Executive Director of ONABEN, a national nonprofit dedicated to growing the economies of Indigenous peoples. Responsible for overseeing the organization's operations and acting as ONABENs spokesperson, she also manages the training programs associated with the organization.
Previously, Maturino led the Cherokee Nation Economic Development Trust Authority, an Oklahoma-based, Native CDFI. An advocate for small business creation and economic development, Maturino was named the 2010 Minority Business Advocate of the Year by the Native American Business Enterprise Center, a facet of the Minority Business Development Agency. She has also been recognized twice as a 40 Under 40 winner by the National Center for American Indian Enterprise Development. With a background in marketing and public relations, Maturino works to create opportunities for Indigenous-owned businesses to grow and prosper. Over the course of her career, Maturino has created a network of opportunities designed to enhance business development within Native American communities.
Veronica is a citizen of the Cherokee Nation, where she formerly served as a member of tribal government and engaged in economic development and private and Tribal public relations and communications.
Germaine McIver-Cherry
Innovation Portfolio Coordinator
Germaine McIver-Cherry serves as the Innovation Program Coordinator at AEO. Germaine joins the team with extensive knowledge and experience in serving underserved entrepreneurs through technical assistance, program development, training and mentoring. She is an experienced banker, social worker, and entrepreneur who leverages her practical knowledge to enhance impact in underserved communities.
She is a highly organized project administrator skilled at synthesizing information and tasks to achieve organizational goals. She has previous work experience working with small business owners by providing end-to-end technical assistance, as well as, coaching to help nurture, grow and strengthen entrepreneurs along their journey to achieve maximum business success.
Prior to joining the AEO team, Germaine served as the Director of the Innovation & Entrepreneurship Center (IEC) where her responsibilities included managing the day-to-day operations of the site, developing strategic and sustainable partnerships, developing and managing various entrepreneurial programs and workshops, supervising student interns, and supporting the business services team across the state of NC.
Germaine earned both a BSW and MSW degree from North Carolina Central University. She has served as an independent consultant for The Support Center, Project Support Team Coordinator for Frontline Solutions International, LLC, and various positions at SunTrust Bank. She has volunteered time as a Parent-Family Engagement Consultant for Village of Wisdom and serves as a ministry leader at Impact Church of Durham. She has a heart to serve the underserved and a passion to help others which truly motivates her in this body of work.
Jamon Phenix
Jamon Phenix works on the Advocacy team at AEO. In his role, he assists AEO's Advocacy Director with government relations in connecting, maintaining, and strengthening relationships with elected officials and government agencies, while also advocating for AEO priorities and special initiatives.
Previously, Jamon worked in communications at a political-style firm in Virginia, as well as a district and federal offices for two Virginia Members of Congress. Jamon has worked as a political campaign manager in local and state electoral campaigns. Additionally, he served as his college student body president.
Jamon is a native of Atlanta, Georgia. He holds a Bachelor of Arts degree in History and Political Science from Virginia Union University in Richmond, Virginia.
Jessica Milli, Ph.D
Jessica Milli, Ph.D., is an Economist and Research Director at AEO. In her role at AEO, she collaborates with senior management to develop the organization's research agenda, ensuring that it is innovative, compelling, and drives engagement with AEO. Dr. Milli engages in research throughout the innovation cycle, including exploratory research on underserved entrepreneurs and impact evaluations of programs serving microbusiness. A key component of this work is communicating the findings of AEO's research in a way that is accessible to diverse audiences and that has clear recommendations.
Prior to joining AEO, Dr. Milli was a Study Director at the Institute for Women's Policy Research (IWPR), the leading think tank in the United States that focuses primarily on policy research through a gendered lens. At IWPR, she led the Institute's work on women in business and STEM fields and diversity in corporate leadership. She also managed IWPR's portfolio of paid sick days technical assistance projects, which produced research that informed the passage of laws in nine states and 14 cities and counties across the country. As a representative of IWPR, she presented her research at events across the country and her research was widely cited in national press, including Bloomberg, The Atlantic, and MarketWatch.
Before launching her career in public policy research, Dr. Milli taught economics courses ranging from principles of microeconomics and economic statistics to game theory and labor economics at several institutions, including as a Visiting Assistant Professor at Randolph College in Lynchburg, Virginia. During her year there, she developed several new courses, including one course that was inspired by her passion for women's issues, called "Women in the Global Economy."
Dr. Milli received her Ph.D. in Economics from the University of Wisconsin-Milwaukee. During her studies, she applied her focus of Labor Economics to relationships within households and what economic factors put women at more risk of experiencing domestic violence. Her dissertation analyzed the complex relationship between domestic violence and various measures of women's socioeconomic status, such as welfare receipt and employment.
Melissa L. Bradley
Melissa L. Bradley is Managing Director of Project 500 – accelerating new majority entrepreneurs from high potential to high growth. She is also an adjunct professor at the McDonough School of Business at Georgetown University where she teaches impact investing, social entrepreneurship, P2P economies and innovation.
Melissa is also the Co-Founder and Managing Partner of Sidecar Social Finance, a social impact agency that provides impact investing advisory and capital services to individuals, institutions, and social enterprises. She is also a Nonresident Senior Fellow in the Metropolitan Policy Program at the Brookings Institution and Co-Chair of the National Advisory Council on Innovation and Entrepreneurship (NACIE) appointed by Secretary Penny Pritzker from the Department of Commerce.
Melissa currently serves as a Board Member for The Reinvestment Fund, as well as an advisor to Wallet AI and the Center for the Advancement of Social Enterprise (CASE) at Duke University. She is a Founding Advisor to the Dell Center for Entrepreneurs as well as a Senator with the Board of Governors at Georgetown University. She is also Founder and Former Chair of the Georgetown Entrepreneurship Alliance; Founding Member, The Woodhull Institute for Ethical Leadership; and Founding Advisor to LGBTQ Center at Georgetown University.
Roberto Barragan
Northern California Community Loan Fund
Roberto Barragan is the President of Northern California Community Loan Fund, where he is focused on formulating Community Reinvestment Act solutions for financial institutions, raising small business loan capital and grant support for Community Development Financial Institutions and originating and funding small business loans to women and minority owned small businesses in low and moderate income communities nationally. For the past 17 years, Barragan was the President of Valley Economic Development Center (VEDC). During his tenure, he led a team that served over 3,000 businesses yearly with financing and technical assistance, while amassing $70 million in assets and a small business loan portfolio of $35 million. Mr. Barragan is also the founder of two organizations: the San Fernando Valley Financial Development Corporation, a SBA 504 lender, and Pacoima Development Federal Credit Union.
Barragan has over 30 years experience in nonprofit management, with the last 20 years dedicated to community economic development and technical assistance for profitable and nonprofit entities. He is a nationally recognized expert on loan funds and microlending, and is a regular lecturer and media expert on these subjects. Barragan holds a Bachelor of Arts from Princeton University and studied Marketing and Real Estate Financing at the University of California, Berkeley's Hass School of Business Administration.
Hyacinth Vassell
Hyacinth Vassell is the Vice President of Innovation Engineering. In her role, she oversees and develops strategies across programmatic, research, and advocacy initiatives organization-wide. A critical component of Vassell's role is leading teams in multiple complex problems that create and develop standards, models, and tools for technical assistance solutions. In the post, Vassell is also responsible for shaping new initiatives, as well as building and managing philanthropic and partner relationships.
Prior to AEO, Vassell was the Director of the Inner City Capital Connections program at Initiative for a Competitive Inner City (ICIC). She was responsible for the development of the program's scope, strategy, and content. During her tenure, Vassell created and oversaw the CEO Series, which provides online cutting-edge content for CEOs across the U.S. She also successfully developed and scaled the Inner City Capital Connections program to 10 cities and connected a nationwide network of capital providers, which made almost $1.5 billion of debt and equity capital available to program participants. While at ICIC, Vassell helped participants develop business strategies that enabled them to create almost 16,000 jobs in underserved communities.
Vassell also has broad experience as a senior business consultant. She worked with firms such as Arthur Andersen and Accenture, leading diverse project portfolios in re-engineering, process improvement, and change management. Vassell has worked in the telecom, industrial and consumer products, information technology, health care, entertainment, hospitality, and the banking industry. Former clients include AT&T, Fidelity, Fleet Bank, Caterpillar, Starwood Hotels, and MGM Grand.
In addition to championing small business, Vassell is also an entrepreneur. She is the CEO and Owner of French Studios and the Royal Solutions, and served as the past co-Chair of Roxbury Prep and advisor to the Girl Scouts strategic initiative. Vassell is a proud graduate of the University of Massachusetts—Amherst, where she earned a B.S. in Psychology.
Corey Briscoe
Corey Briscoe, Vice President of Strategic Engagement and Communications, has been a part of the AEO team since December 2015.
Corey is a thought leader who transcends industries. He is the Managing Partner for Operations at ABCD & Company, where he oversees daily operations and human capital strategy. Known as "the company culture guy," Corey specializes in molding leaders and uniting people around common goals. His ability to drive strategic agendas has privileged him to work with leaders across various sectors. A masterful orator and strategist, Corey has served as an advisor to legislators, university presidents and corporate executives.
Corey's expertise in meeting planning and building strategic communication campaigns has served many associations, nonprofits and institutions of higher education with a significant multicultural presence and target audience. His work in this field includes engagements with organizations such as The Apollo Theater, New Jersey Performing Arts Center, University of the District of Columbia and Hampton University. He has been featured in numerous media outlets, including the Wall Street Journal, Washington Post, NPR and ABC. He has also been named a "BE Modern Man" by Black Enterprise. The BE Modern Man award celebrates 100 influential men of color "who have done or are doing exceptional work within their communities, within their respective industries and/or globally."
Corey is an alumnus of Howard University, where he served on the Board of Trustees. Additionally, Corey holds a B.A. in Political Science, a B.A. in English and a M.S. in Management. A native of Charleston, South Carolina, Corey now resides in the Washington, D.C., metropolitan area. In his free time, he enjoys spending time on his boat.
Connie Evans
Connie E. Evans is the President and Chief Executive Officer of AEO.
Connie is a visionary leader, astute strategist, activist and social entrepreneur who has founded three organizations. In 1986 she was the founding president of the award-winning Women's Self-Employment Project, the first and largest urban microbusiness development organization in the U.S., and the first adaptation of the Grameen Bank model to a U.S. urban setting. She also pioneered one of the first matched-savings program—Individual Development Accounts—in the country. In 2000 she founded WSEP Ventures, a social enterprise-hybrid organization developed to serve as a catalyst for social change, economic development and community empowerment. In 2007 she founded CSolutions Consulting, an advisory boutique specializing in solutions that address social change.
An international development consultant with more than 25 years of experience, she has been recognized and utilized by such groups as the World Bank, the Clinton Administration, and a host of local government, private and independent-sector organizations. With international experience spanning 43 countries, she draws on her expertise in developing and implementing strategies to further economic development, health and social change in communities.
Connie started her career in community mental health as a master-level psychologist. Her commitment to improving the health and life options for disadvantaged women and their families moved her to "harness the marketplace" for solutions. As the Assistant Director of a Hull House Association affiliate in Chicago, she became the Project Director for the first resident-managed public housing site in the city. She helped low-income women organize, develop leadership skills and learn business acumen in order to take control over a multi-million dollar enterprise.
Connie has given lectures at universities throughout the U.S., and is a frequent panelist and keynote speaker at conferences around the globe. She has many distinguished awards, including: being named the Inaugural Twink Frey Social Activist in 2006; the 1996 Chicagoan of the Year by Chicago Magazine; the first Teknion Humanitarian Award in 1999; Gloria Steinem Woman of Vision Award; 1998 Community Leader of the Year presented by the African American MBA Association at the University of Chicago; and the Chicago Community Service Fellowship Award by the Chicago Community Trust.
Connie's broad experience across the worlds of business and finance compliments her skills in development finance. She served two elected terms on the Board of the Federal Reserve Bank of Chicago—the first African American woman to hold such a position—and was appointed by President Clinton to the CDFI Advisory Board, a fund in the Department of the Treasury. She was appointed by President Obama to be a member of the U.S. Delegation to the United Nations 54th Session of the Commission on the Status of Women. She was also appointed by President Clinton as a member of the U. S. Delegation to Preparatory Meetings for the Summit of the Americas, the U. S. Delegation to Preparatory Meetings for the United Nations Fourth World Conference on Women in Beijing, and again for Beijing Plus Five.
A strong advocate of good governance in nonprofits, she has nearly 20 years of service on philanthropic foundation boards, and serves on a number of national and international boards.
Ines Polonius
Communities Unlimited, Inc.
Ines Polonius is CEO of Communities Unlimited, Inc., a CDFI and not-for-profit organization driving community economic development through the building of entrepreneurial ecosystems, direct assistance and capital to micro-enterprises, small businesses and infrastructure improvements in persistently poor rural places across Arkansas, Texas, Oklahoma, Louisiana, Mississippi, Alabama and Tennessee.
In 1998, Ines founded alt.Consulting and became its Executive Director in 2003. alt.Consulting was dedicated to starting, growing, transitioning and turning around micro-enterprises and small businesses in the Arkansas Delta until a successful merger with Community Resource Group in 2014 formed Communities Unlimited, Inc.
In 2011, Ines and her team launched Delta BioEnergy, a wealth creation value chain that introduced a winter energy crop in the Arkansas Delta and built out the infrastructure to generate biofuel from the crop and waste vegetable oil. Ines has personally worked with more than 200 small businesses, conducting organizational and financial audits, facilitating strategic planning sessions and customizing management systems. Previously, she served as a Business Development Consultant at the North Carolina Institute for Minority Economic Development.
Ines earned an MBA and an MA in Economics from Boston University. Before pursuing her graduate work, she worked for three years with rural micro-enterprise development in Chile and the Dominican Republic. She received her undergraduate degree from Georgetown University.
Director of the Washington Office
National Development Council
Former Cleveland Mayor Jane Campbell serves as the Director of the Washington Office of the National Development Council (NDC), where she works in over 100 communities across America lending to small businesses, building public facilities and creating commercial redevelopment, low income housing, all through public private partnerships and creative use of federal, state and local financing tools.
In addition to serving as the first female mayor of Cleveland, Campbell's public service career includes six terms in the Ohio House of Representatives, and five years as Staff Director and Senior Advisor for the Senate Committee on Small Business and Entrepreneurship. While on the Hill, Campbell directed policy to support small businesses' access to capital, federal contracting opportunities, business counseling, and engagement in international trade.
In the past 2 years, she also served as the President of Women Impacting Public Policy (WIPP), a national nonpartisan organization advocating for economic opportunity on behalf of women entrepreneurs. Durign her tenure, she was instrumental in building the organization's strategic partnership with WBENC. In her current role at NDC, Campbell brings NDC's nearly fifty years' of experience and expertise in working to bring capital to underserved communities into the federal public policy debate.
Phyllis Cassidy
Good Work Network
Phyllis Cassidy is the Executive Director and founder of Good Work Network, a non-profit, micro-enterprise development organization serving the greater New Orleans area. Good Work Network has provided educational programs, technical assistance, operational support, capital access assistance, and market access services to more than 4,500 minority and women-owned businesses in the New Orleans area. Its ConnectWorks program has assisted 61 clients acquire over $30MM in contract awards.
Prior to establishing Good Work Network, Phyllis served as president of First Capital Life Insurance Company of LA, a family owned business. She also taught accounting and information systems at Dillard University and University of New Orleans. Phyllis has served on various community boards and as a Court Appointed Special Advocate. She is a graduate of Duke University (B.A. in Business Administration) and University of New Orleans (M.S. in Accounting), and is a licensed CPA with over 35 years of experience. She is the proud mother of three children and seven amazing grandchildren.
Alex Forrester
Co-Founder and Chief Strategy Officer
Rising Tide Capital
Alex Forrester is Co-Founder and Chief Strategy Officer of Rising Tide Capital, a New Jersey nonprofit committed to the economic empowerment of low-income families and communities through entrepreneurship. In his role, Forrester is driven by an interest in high-performing social enterprises. He is passionate about organizational infrastructure, systems architecture, and outcome measurement, as well as the role that values and culture play in creating long-term systems change.
Since its inception, Rising Tide Capital has achieved national recognition for its approach to economic empowerment through entrepreneurship. Lauded by Forbes, the White House, CNN, and the World Economic Forum, the organization now works with over 1,000 entrepreneurs per year across six cities in New Jersey. Rising Tide Capital has also recently launched a national replication initiative to license its model for use by other organizations in cities across the US.
Forrester's work in social justice, entrepreneurship, and micro-finance focuses on use of strategic philanthropy and social entrepreneurship to respond to the challenges of systemic oppression, social equity, environmental sustainability, and economic inclusion in the new, automated economy of the 21st century. Alex is a graduate of Harvard University, where he earned a Bachelor of Arts in Postmodern Philosophy and Theology.
Samira Cook-Gaines
Chief of Economic Empowerment
National Community Reinvestment Coalition
Samira Cook-Gaines serves as the Chief of Economic Empowerment for the National Community Reinvestment Coalition (NCRC). In the post, she provides strategic and programmatic leadership in the areas of wealth creation and asset building for NCRC's direct services programs, including two business centers serving the Washington, DC metro area.
In 2010, Cook-Gaines founded the Washington, DC Women's Business Center (DC WBC), which supports women entrepreneurs through training, individual consultation, mentoring. In particular, the DC WBC fuels business growth through government procurement opportunities and exporting. Under Cook-Gaines' direction, the DC WBC has assisted over 1,000 women in achieving their business goals. In honor of her work with small businesses, Cook-Gaines was selected as a White House Champion for Change in the area of entrepreneurship mentoring.
Cook-Gaines received her Bachelor of Arts degree from Mount Holyoke College in Massachusetts and her Master of Public Administration degree from The George Washington University in Washington, DC. She is also an active member of her Fort Lincoln neighborhood and volunteers, and a board member of the Association of Women's Business Centers, and the Brandywine Street Association. Cook-Gaines is a proud member of Alpha Kappa Alpha Sorority Incorporated.
Usman Ahmed
Head of Global Public Policy
PayPal Inc.
Usman Ahmed is the Head of Global Public Policy at PayPal Inc. His work covers a variety of global issues including financial services regulation, innovation, international trade, and entrepreneurship. He has given talks on these subjects at conferences and universities around the world and has published in the World Economic Forum Global Information Technology Report, MIT Press Innovations Journal, and the Boston University International Law Journal. Ahmed is also an Adjunct Professor of Law at Georgetown University Law School where he teaches a course on Fintech Law and Policy. Prior to PayPal, Ahmed worked at a number of policy think tanks in the Washington DC area focusing on good governance issues.
Ahmed earned his JD from University of Michigan, his MA from Georgetown University's School of Foreign Service, and his BA from University of Maryland.
Rogie Nelson
South Carolina Commission for Minority Affairs
Rogie D. Nelson is Program Coordinator at South Carolina Commission for Minority Affairs. He began his career as a microbusiness practitioner at the South Carolina Minority Business Development Center. He later worked for the South Carolina Department of Transportation in the Disadvantaged Business Enterprise Program for ten years before joining the South Carolina Commission for Minority Affairs in as the Small and Minority Business Coordinator. In the post, Nelson has worked with individuals, special interest groups, municipalities, local, state, and federal governments to create economic prosperity for minority-owned businesses.
Currently, Mr. Nelson is the Program Coordinator for the Micro Business Development program. This statewide program provides education and training, business management and technical assistance, and micro lending referrals to firms and individuals interested in starting or expanding a micro business.
Nelson attended University of South Carolina, where he earned a Bachelor of Arts in Psychology.
Donna Gambrell
Appalachian Community Capital
Donna J. Gambrell is a steadfast advocate for the revitalization of America's most vulnerable, low-wealth communities. A champion of microbusinesses, Gambrell was the first African American woman to be appointed as Director of the U.S. Department of the Treasury's Community Development Financial Institutions Fund (CDFI Fund).
During Gambrell's tenure, the CDFI Fund experienced significant growth, doubling funding under its flagship program. The CDFI Fund also designed and administered a number of new initiatives targeted to underserved markets, including the Capital Magnet Fund, the Healthy Food Financing Initiative, and the CDFI Bond Guarantee Program.
Previously, Gambrell served in several executive positions at the Federal Deposit Insurance Corporation (FDIC), including Deputy Director for Compliance and Consumer Protection, where she was responsible for overseeing the FDIC's national compliance bank examinations, as well as the agency's community affairs, consumer affairs, and deposit insurance programs.
Currently, Ms. Gambrell is a visiting scholar at the Federal Reserve Bank of Atlanta. In addition, she is a board member for Southern Bancorp, Inc., in Little Rock, Arkansas. Ms. Gambrell also speaks and consults on issues related to consumer protection and community and economic development.
Ms. Gambrell received a B.S. Degree from Towson University in Baltimore, Maryland, and an M.S. Degree from New York University.
Keith Catanzano
Keith Catanzano is the interim Managing Director of the Association for Enterprise Opportunity's myWay to Credit program. Keith served as a member of the initiative's founding team during the U.S. Treasury's 2015 Innovation Challenge, won by AEO for the myWay to Credit concept and proposal. For the past three years, Keith has led the technology development of the myWay to Credit marketplace.
Prior to his current role, Keith served on AEO's Micro Capital Task Force, a group that assesses the strengths and weaknesses of banks, CDFIs, community lenders, and alternative lenders working to meet the capital needs of micro- and small-businesses.
Keith is a co-founder and partner of 2River Consulting Group. 2River helps financial services companies integrate AI and data analytics to increase sales and profit. Keith sets the vision and leads the design of 2River's LIFT AI and data analytics platform, supporting customer acquisition, underwriting, and customer success operations.
A frequent speaker and author on the convergence of technology, data, and analytics, Keith has more than two decades of experience designing and developing simulations, statistical models, and gaming techniques for Fortune 500 companies and the U.S. Government.
Prior to co-founding 2River, Keith spent fifteen years with global strategy and technology consulting firm Booz Allen Hamilton. As a Vice President in the Analytics practice of the firm, he advised clients in the government, private and non-profit sectors.
Inez Long
Black Business Investment Fund
Long has 28 years of combined experience in the financial services industry. She began her professional career in commercial banking in Credit Management and Commercial Lending with First Union and SunTrust banks in Orlando, Florida. It was while working for them that she met Judy Jones, the former President of the Black Business Investment Fund (BBIF).
Under Long's leadership, BBIF Florida has provided over $47.6 million in loans to over 406 Black and minority businesses, created and sustained over 12,906 jobs all while maintaining a historical loan loss rate of approximately 4 percent; invested and leveraged $55.2million in community economic develop projects. She has led the organization to: (1) expand its geographic service area to statewide, (2) expand its client base from Black businesses to include other minority and underserved small businesses, (3) receive two federal New Markets Tax Credits allocation of $20 million each, two FA awards totaling $1.9 million, and (4) be selected as one of three initial CDFI's to be nationally recognized and received a Wells Fargo Bank Diverse Community Capital grant of $1 million.
Nou Vang
Nou Vang joined AEO in November 2015 as Vice President, Operations. With more than 10 years of nonprofit management experience, Nou oversees AEO's membership, IT, accounting and human resources.
Prior to joining AEO, Nou managed the daily operations of the National Association of Social Workers (NASW), a membership organization of 130,000 members, where she oversaw a $1 million administration budget and managed a variety of projects including the Association's $1.8 million office consolidation, conferences and meetings and software upgrades. She has worked for national and community-based non-profit organizations including Hmong National Development and Illinois Center for Violence Prevention. Her professional skills include project management, nonprofit audits, contract management and negotiation and equipment procurement.
Nou is a graduate of the University of Wisconsin-Milwaukee and holds a B.A. in Political Science and Masters of Public Administration degree.
Carolina Martinez
Carolina Martinez is the CEO of the California Association for Micro Enterprise Opportunity (CAMEO), a California's statewide association that represents over 220 lenders, training programs, job creators, agencies and individuals dedicated to furthering Microbusiness development in the state. CAMEO advocates for its members and builds their capacity to support the more than 21,000 very small businesses they serve.
Mrs. Martinez has over 12 years of experience working in economic development and business consulting. Her vision has been defined by the variety of experiences she's had with nonprofits and universities in South and North America. She has developed bilingual, culturally appropriate entrepreneurial training programs; trained and coached pre-venture and startups; developed international networks promoting partnerships among private corporations that boost industries; provided consulting services to vulnerable communities to explore entrepreneurship as a way to generate wealth; and owned her own business consulting firm.
Before moving to California in 2017, Mrs. Martinez was appointed to the Pennsylvania Governor's Advisory Commission on Latino Affairs and served as Chairwoman for the Berks County Latino Chamber of Commerce in Pennsylvania.
Douglas Schaeffer
CRA Executive Director
Doug Schaeffer is a financial executive with more than 30 years of experience managing critical business operations. Launching his career in 1984, he has served at every level of banking. Upon graduating from college, he worked for KPMG, GE Capital Mortgage, JPMorgan Chase, and Ally Financial. Schaeffer has held multiple positions, including: Chief Financial Officer, Chief of Staff, Strategy Executive, Deputy General Manager, Managing Director—Treasury, and Community Reinvestment Act (CRA) Executive. He has led the improvement of large community reinvestment programs resulting in regulator-approved CRA strategic plans; improved examination results; and, the transformation of programs into sustainable profit-oriented businesses.
Schaffer joined the executive leadership team at Woodforest National Bank in 2015 as EVP-CRA Director. He leads CRA efforts, including a team of 30+ CRA professionals. His role is centered on creating innovative strategies to increase the impact of Woodforest National Bank's expansive CRA program, which covers 17 states and over 200 CRA assessment areas.
Schaeffer sits on the boards of CEI Capital Management and the National Association of Affordable Housing Lenders. He also serves on the Board of Trustees for Moorestown Theater Company, and volunteers his time supporting Strong Women Strong Girls and other charities. Schaeffer is a Rutgers University alumnus and a Beta Gamma Sigma graduate of Drexel University.


Oxfordshire Clinical Commissioning Group is responsible for buying healthcare on behalf of its population of 654,000, of which 180,000 are aged over 65.
In Oxfordshire, mental health and older people's services are currently delivered through multiple individual contracts. Steady growth of the over 65s means that the way care is delivered needs to change.
Phase one – Cobic delivered a successful business case for change which evidenced the potential benefits of an outcomes based commissioning approach. As a result, we were asked to support the CCG to ensure outcomes based contracts were in place for 2014/15.
Phase two – Cobic worked alongside the payers to support them as they engaged with their current principle providers, patients, carers and clinicians to prepare them for outcomes based contracts.
This involved stakeholder engagement work and defining the specific outcomes and indicators that would matter to those using the service. This allowed patients and carers to contribute and to influence and make informed decisions about how their healthcare is delivered. The high-level outcomes and indicators were tested and refined locally and nationally by engaging with clinicians, patients and carers. Further evidence was also gathered through a review of existing published literature and through the support of topic experts. We also used data drawn from extensive individual interviews, and feedback from public and carers at engagement events to validate the outcomes.
In early 2014 support was received from an independent Department of Health Gateway Review, and the OCCG Governing Body confirmed their commitment to OBC as a means of achieving the best possible care and value for the people of Oxfordshire.
We are now nearing the end of Phase 3, which brought the local payers (NHS and local government) together to determine whether the existing providers (Oxford University Hospitals NHS Trust and Oxford Health NHS Foundation Trust) are willing and capable to answer the challenge of outcomes based commissioning. This phase also completed the definition in more detail of the requirements and contract details in order to implement the approach in 2015.


text:
NIKKI ESTRIDGE
ACTOR | WRITER | DIRECTOR | PRODUCER
Nikki Estridge is an American actress, writer, director and producer. She played collegiate softball for the University of Tennessee Lady Volunteers and graduated with high honors.
As an advocate for autism awareness and a person of multi-ethnic background, diversity, inclusion and equality are of the utmost importance to Nikki. She is very committed to her work with various charities and support networks.
Nikki is a sixteen-time IMDb-qualifying festival award winner most notably for her comedy short, Don't Make It Awkward, which she wrote, directed, produced, cast and starred in. Nikki is best known for her roles on Sweet Magnolias (NETFLIX), Queen Sugar (OWN), Law and Order: SVU (NBC), and House of Cards (NETFLIX). She is also the author of published children's book Hoo's Driving The Bus? which hit #1 in Amazon's New Releases in its first week!
NIKKI ESTRIDGE OFFICIAL
COPYRIGHT © 2022 NIKKI ESTRIDGE. ALL RIGHTS RESERVED.
DESIGN BY CAROL TODD.

redpajama_set_name: RedPajamaCommonCrawl


Ghana based Kogi State music art "Mackson" serenades the airwaves with fresh & brand new promo photos as he announces his arrival to the ever busy Nigerian music scene.
Along with confidence/self-realization, Mackson is soaked with the ability to deliver up-tempo and catchy beats that will appeal as instant radio hits.
Heavenly inspired by God and natural occurrences, he cites his role models in the music industry as 2Face Idibia and Wande Coal.
But before then, let's delve into the lavish lifestyle and swag of fresh act Mackson as he serenades Nigeria with his cool looks.


Natural corbicula from Shimane, Japan (the place long recognized as producing corbicula of the greatest taste and quality) is highly concentrated and made into balls. Yeast extract is added with the corbicula extract, forming a special product containing amino acids, methionine, taurine, and arginine, as well B vitamins, minerals, silymarin, and glycogen.
What is exceptional about Umeken Corbicula Extract Balls?
Why are Umeken Corbicula Extract Balls so popular?
● Umeken Corbicula Extract Balls contain turmeric and yeast extract as well.
● You can take the ball-form product conveniently anytime, anywhere.
● Made with Umeken's unique ball manufacturing method, it's easy to swallow.
180g (900 balls) / Take 10-15 balls anytime during the day.


IF Frequency: 3.40 - 4.20 GHz.
New Japan Radio has been the premier manufacturer of quality LNBs for years. The NJS8486HN PLL LNB is intended for satellite data communication downlink application in 3.400 to 4.200 GHz / C-Band.


The coaching is designed for expats as well as expat spouses. While the expat usually works within a similar environment like in the home country, the expat spouse is often the one who has to deal with challenging cultural, organizational, and social differences.
The burden of setting up the new life abroad can be overwhelming and often enough it is the reason for premature returns to the home country. Talking to someone who has experienced the same situation and who is able to provide practical advice can help to relieve tension and to develop a positive outlook on the future.


text:
Nature's Pharmacy: 10 Health Benefits Of Hibiscus Tea
Monday Motivation: How To Overcome The Fear Of Rejection
Wellness: 29 Inspiring Mental Health Quotes
Emmanuel Emenike Builds Standard Hospital In Imo State
Wellness: 22 Fitness Quotes That Will Inspire You To Embrace A Healthy Lifestyle
Samuel Okoruwa
Published on 15th November 2020
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As much as we understand the benefits of living a healthy and fit life, it can be hard finding the motivation to engage in habits that promote healthy living. You may deal with some resistance when you want to go for a run or hit the gym. This is normal. Our brain has a natural resistance to change.
Read more about Wellness
However, knowing the health benefits of keeping fit should spur us to overcome resistance no matter how we feel. Whether your goal is to build a stronger body or boost your health through exercise, these wise quotes will inspire you to put in the work required to reach your goals.
"To keep winning, I have to keep improving." – Craig Alexander
"Some people want it to happen, some wish it would happen, others make it happen." – Michael Jordan
"I know that if I set my mind to something, even if people are saying I can't do it, I will achieve it." – David Beckham
"We must appreciate and never underestimate our own inner power." – Noah Galloway
"I am the greatest, I said that even before I knew I was." – Muhammad Ali
"Our growing softness, our increasing lack of physical fitness, is a menace to our security." – John F. Kennedy
"It's easier to wake up early in the morning & work out than it is to look in the mirror each day & not like what you see." —Unknown
"Sore today, strong tomorrow." —Tone It Up
"It hurts now but one day it will be your warm-up." —Unknown
"When you feel like stopping think about why you started" —Unknown
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"If something stands between you and your success, move it. Never be denied." – Dwayne "The Rock" Johnson
"There comes a certain point in life when you have to stop blaming other people for how you feel or the misfortunes in your life. You can't go through life obsessing about what might have been." – Hugh Jackman
"I will sacrifice whatever is necessary to be the best." – J.J. Watt
"Most people give up right before the big break comes — don't let that person be you." – Michael Boyle
"I feel an endless need to learn, to improve, to evolve — not only to please the coach and the fans — but also to feel satisfied with myself." – Cristiano Ronaldo
"You're going to have to let it hurt. Let it suck. The harder you work, the better you will look. Your appearance isn't parallel to how heavy you lift, it's parallel to how hard you work." – Joe Manganiello
"You have to push past your perceived limits, push past that point you thought was as far as you can go." – Drew Brees
"If you ain't pissed off for greatness, that just means you're okay with being mediocre." – Ray Lewis
"You dream. You plan. You reach. There will be obstacles. There will be doubters. There will be mistakes. But with hard work, with belief, with confidence and trust in yourself and those around you, there are no limits." – Michael Phelps
"When you have a clear vision of your goal, it's easier to take the first step toward it." – L.L. Cool J
"I was never a natural athlete, but I paid my dues in sweat and concentration, and took the time necessary to learn karate and became a world champion." – Chuck Norris
"Your health account, your bank account, they're the same thing. The more you put in, the more you can take out. Exercise is king and nutrition is queen. Together you have a kingdom." – Jack LaLanne
Featured Image Source: Unsplash
Got a suggestion? Contact us: editor at connectnigeria dot com
Related Topics:22 Fitness Quotes, featured, health, healthy lifestyle, Personal Development, Wellness
My name is Samuel Okoruwa. I am an ardent researcher, reading is life and writing is fun.
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text:
Q: Does iOS have a similar concept to sessions in Java or .NET? I would like to build a m-commerce application. I want to start with a login page.
Does iOS have something like the concept of sessions in Java and .NET?

A: There is no java like session in iphone. But you can use following method to save session data.

*

*Core Data and either a SQL data
repository or an XML repository.
This is basically Apple's device
database framework library available
for all apps to use. It is not the
easiest of options but it will allow
you to store fairly large amounts of
diverse data that will be available
throughout your app code. In
addition, the data is retained
between app launches as long as you
save it to the persistent data store
before app shut down.

*Property lists. Property lists are
more lightweight than Core Data and
you might find them easier to use.
They allow storage and retrieval of
basic key-value pairs into a
persistent property list file. So,
you also get the advantage of data
retention between app launches as
long as you store your data to the
property list file before app shut
down.

*Store data to text files. I'm not
sure if this has any advantage over
property lists.

*User Defaults. I'm not sure that you
can so easily add new types of data
during app usage. This is used more
for providing a collection of
default app settings and then
allowing the user to personalize
them during app usage.

*In-memory singleton objects. This
could be an option but, of course,
once the app shuts down, all data
goes away unless it's persisted into
permanent data storage somehow.

This section is shamelessly copied from answer in this thread.I just added some links..Credit goes there..

redpajama_set_name: RedPajamaStackExchange


text:
Q: What is the expected performance of IEnumerable? Properties are expected to perform similarly to fields, even though they are really functions.  What can be said about the expected performance of an arbitrary IEnumerable?
Is it fair to borrow the concept from properties and say that an IEnumerable should perform about the same as iterating an array or List<T>?
Or, is it okay for just about anything happen with each iteration: database access, web service call, time-consuming computation, etc.

A: Speaking from experience you can't really infer anything about the performance of an arbitrary IEnumerable. For example, it might be an IQueryable in disguise, hitting the database every time it is enumerated. Or it might be the result of File.EnumerateLines.
Sometimes it is important that the enumerable only be enumerated once.
This is in contrast to a property. If a property was to hit the database or read I file I'd consider this to be a code smell. For an IEnumerable it is just normal.

A: I'd say there's no rule on how well an IEnumerable<T> should perform - only about how it should behave, which means it should loop through your collection.
If you need to access the database at the beginning of the iteration (like Entity Framework's IQueryable<T>), that's fine - if it needs to make a DB or file call per item, that's fine. The only important thing to me is that you can loop through it.

A: IEnumerable has no properties, but the IEnumerable returns an IEnumerator, as you know.
If your object exposes a property that is of type IEnumerable, that is expected to return in constant time, but the enumeration of that enumerator should probably have no expectations.
Of course, your situation may vary.  For example, if you are binding some WPF control to that enumerable, your users will want it to return quickly.

A: An IEnumerable of course can be used to access a database or crawl through a file, but if you expose such an IEnumerable, you should clearly document it doing so.
If it's not immediately clear that it's expensive, you should encapsulate it appropriately, and only expose an in-memory enumeration.


text:
a global network of grassroots antimilitarist and pacifist groups, working together for a world without war
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The Right to Refuse to Kill
A CO's Guide to the International Human Rights System
Conscientious objection action alerts
World Survey of Conscription and Conscientious Objection
International Conscientious Objection day
Prisoners for Peace Day
In prison now: Prisoners for Peace list
Nonviolence Programme
Empowering Nonviolence
Countering the Militarisation of Youth
War Profiteers
War profiteer companies
War Profiteers News
Turkey: Stop the Cycle of Violence
Women and Conscientious Objection
Handbook for Nonviolent Campaigns
War Resisters' Stories
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Writing for WRI
Translation guide
Resisting police militarisation
Comments on the presentation of the EBCO Annual Report to the Committee on Civil Liberties of the European Parliament
Andreas Speck,
want to thank Nikos Chrysogelos MEP and EBCO for giving me the chance to comment on EBCO's annual report to the Committee on Civil
Liberties of the European Parliament. This gives me the chance to
highlight some aspects of the recent developments which the report
could not develop sufficiently, but which I think are important, even
though they might be peripheral to the central focus on the right to
conscientious objection.
I think it does not do justice to conscientious objection to military
service to look at it just from a human rights perspective, without
reflecting what such an objection is about – refusal to bear arms,
and to take part in war, or the preparation of war. Thus,
conscientious objection to military service is closely linked to the
struggle against war and militarism, and I want to comment on EBCO's
report from this perspective.
The end of conscription
EBCO report points out that conscription is on its way out in the
European Union. While War Resisters' International welcomes the
suspension or abolishment of conscription, as we believe that
conscription itself constitutes a violation of basic human rights,
and do not agree with the rights of states to conscript, we also see
some problems arising:
Conscientious objection for members of the Armed Forces
most countries of the European Union which suspended or abolished
conscription recently, the end of conscription goes hand in hand
with the end of the right to conscientious objection. As EBCO's
report points out, only Germany and the Netherlands have in law
regulated the right to conscientious objection for professional
soldiers, and the UK has some internal military regulations allowing
for compassionate leave on grounds of conscientious objection. The
case of Michael Lyons, which has been highlighted in EBCO's report,
shows how inadequate these regulations are.
some EU countries that suspended conscription the laws on
conscientious objection continue to exist, should conscription be
enforced again. Neither EBCO nor WRI have been able to establish a
clear picture here, and this is work which might need to be done in
Germany, in 2011 alone, 406 soldiers – most of them on fixed-term
contracts, applied for conscientious objection1
– which shows that there is a need for such a right, even if the
initial recruitment has been voluntary. If it does not exist, some
soldiers might find other ways out – or they see no other option
than going AWOL or deserting, thus at some stage facing a criminal
prosecution and possibly imprisonment. We have no idea how many
soldiers from all EU countries might want to leave the Armed Forces
for reasons of conscience, and find themselves trapped between a
rock and a hard place, but the figures from Germany suggests that
the numbers might easily go into the thousands. This is a hidden
human rights problem, as most of the victims might also not be aware
that they should have the right to conscientious objection.
Military operations
Unfortunately,
the end of conscription does not mean that the EU or its member
states are now less likely to get involved in wars of military
operations. Besides Cyprus and Malta, all EU member states contribute
troops to the so-called International Security Assistance Forces
(ISAF) of NATO in Afghanistan. It is ridiculous to call this
operation peacekeeping – it is war, with a huge number of civilian
Afghan victims, and also a high number of casualties from ISAF
troops. In practical terms this means: 25 of 27 EU members are
involved in a war!
http://icasualties.org/oef/,
accessed 25/09/2012
If we
look at the casualties of members of EU Armed Forces in Afghanistan,
the majority – 433 – are from the UK. In total, casualties from
EU member states are at about 809 of in total 3188 casualties. The
great majority – 2123 deaths – are from the US.
Source: http://icasualties.org/oef/
Afghanistan is not the only war EU member states were involved in in
the past year. The NATO operation in support of Libya's opposition –
in fact again participation in a war – involved many EU member
states, namely: Belgium, Bulgaria, Denmark, France, Greece, Italy,
the Netherlands, Romania, Spain, Sweden, and the United Kingdom –
11 out of 27 EU countries.
Lisbon treaty from 1 December 2009 also brought with it a further
militarisation of the European Union itself. Today, the European
Union is involved in three military operations: in Bosnia, off the
coast of Somalia and in the Indian Ocean, and the training of
military forces for Somalia, which takes place in Uganda2.
There is no doubt that the European Union is now a military force,
engaged in war and so-called "robust peacekeeping".
among its own Armed Forces are only one aspect of being involved in
war and military operations – in fact, they are only the tip of the
iceberg. Many more soldiers return home from the war in Afghanistan
or from military operations physically disabled, and even more with
post-traumatic stress disorder – PTSD. Both consequences of war
have a huge impact on not only the soldier itself, but also their
families and communities.
the US, Iraq Veterans Against the War (IVAW) have launched Operation
Recovery to support members of the Armed Forces suffering from PTSD.
However, this is not just a health care service, it is based on the
understanding that members of the Armed Forces who experience PTSD,
TBI, MST, and combat stress have the right to exit the traumatic
situation and receive immediate support, and compensation, rather
than being re-deployed to war or military operations3.
I believe that similar demands are also appropriate for members of
the EU's Armed Forces.
Militarisation of Youth
EBCO report already hinted at the increased militarisation of youth,
and military presence in schools and other educational institutions.
results of a survey started by War Resisters' International suggest
that the military is present in schools in most EU countries so far
surveyed. Beyond that, the Armed Forces are involved in a range of
cultural activities in most countries, and uses social media such as
Facebook and Youtube to reach out to young people.
time to time excesses of the Armed Forces' engagement with young
people lead to some discussion in the media – such as the recent
debate in Germany about the co-operation of the German Bundeswehr
with the teen magazine Bravo to offer "adventure camps"
for teens organised and run by the military4.
But these are only the tip of the iceberg.
know from the UK and Germany that the Armed Forces strategically
engage with young people and schools, and we can assume that this is
similar in other EU member states. Figures from Germany from 2009
show that the so-called "youth officers" of the Bundeswehr
reached at least 160,000 pupils. In addition, the Bundeswehr's
"military service advisers" - or recruiters – were present at
12,600 events reaching more than 280,000 pupils5.
Then Defence
Minister Karl-Theodor zu Guttenberg (CSU) knows where to find the
young people: "the school is the right place to reach young
people."6
the UK, Ministry of Defence youth policy states: "The
MOD is engaged in curricular activities as a further way to reach out
to Youth in support of the overall MOD Youth Policy. In particular it
offers unique and subtle
ways of enhancing understanding of the Armed Forces within wider
society, particularly of the values, culture, traditions and ethos
are essential to maintaining military effectiveness.
More directly, it offers opportunities to raise public awareness and
empathy with the Armed Forces and finally, it is a further, powerful
tool for facilitating recruitment
especially if the skills developed through curricular activities have
a direct bearing on military requirements."7
February 2007, the head of army recruitment strategy, Colonel David
Allfrey, told The New Statesman: "Our new model is about raising
awareness, and that takes a ten-year span. It starts with
a seven-year-old boy seeing a parachutist at an air show and
thinking, 'That looks great.' From then on the army is trying to
build interest by drip, drip, drip." If recruitment starts at 16,
then this ten-year span will start at age six.
EBCO report already points out that some EU countries still recruit
below the age of 18. But recruitment itself is only the end result of
a long process, as mentioned by Colonel Allfrey. All
member states of the European Union have signed the Optional Protocol
on Children in Armed Conflict8
to the Convention on the Rights of the Child.
Krappmann, a member of the Committee of the Rights of the Child,
which oversees the Convention and its Optional Protocols, explained
that "the
Committee is concerned at information that schools and students were
put under pressure to participate at recruitment campaigns. In this
regard the decision of students, parents and schools has to be fully
respected."9
recruitment activities, cadet or similar forces do exist in schools
in several EU member states. In relation to a similar US equivalent,
the Committee on the Rights of the Child noted "the
extensive use of Junior Reserve Officer Training Corps (JROTC) in
high schools and notes with concern that children as young as 11 can
enrol in Middle School Cadet Corps training"10.
militarisation of youth also has a class aspect. We know from
research in Germany and the UK – and this is likely to be similar
in other countries – that those from
a poor and disadvantaged background are especially targeted by the
military. For example, research in the UK by David Gee showed that
schools in disadvantaged neighbourhoods are more likely to be visited
by the Armed Forces11.
At Job Centres, there is a special category of Armed Forces jobs,
which those on jobseekers allowance are encouraged to consult.
Germany, the Bundeswehr is also often present in unemployment
offices, targeting those in need of employment. The result – among
the lower ranks of the Bundeswehr, almost three quarters come from
the Eastern part of Germany, where unemployment is higher. And in
some regions Bundeswehr and the unemployment office cooperate in the
recruitment of soldiers, or the unemployment office requires
participation in Bundeswehr promotional activities12.
are only at the beginning of a more in-depth exploration of these
issues, but it raises a range of human and child rights issues, which
require the attention of the European Parliament's Committee on Civil
Liberties.
Paradoxically,
the end of forced recruitment through conscription leads, in some
respects, to increased militarisation, as the military has to recruit
personnel and has to justify its present and future wars. The
militarisation of society – and especially of youth – is one
prerequisite for military recruitment and war.
leads to completely new issues in relation to human and child rights,
which will need further exploration in the future.
we welcome the end of conscription in most of the European Union, we
should be aware that this does not mean an end to militarism,
militarisation, and war. The struggle for peace and human rights
needs to continue, and take up the new challenges.
1Deutscher
Bundestag: Antworten der Parlamentarischen Staatssekretäre Thomas
Kossendey und Hermann Kues vom 07.02.2012 auf Schriftliche Fragen
des Bundestagsabgeordneten Paul Schäfer, Drucksache
17/8637. In 2010, 370 soldiers applied for conscientious
objection.
2European
Union: EU operations,
https://www.consilium.europa.eu/eeas/security-defence/eu-operations?lang=en,
accessed 25 September 2012
3Iraq
Veterans Against War: Service members have the right to heal, 1 July
2010, http://www.ivaw.org/blog/service-members-have-right-heal,
4See,
for example: Spiegel Online: Critics Slam German Military Ad Aimed
at Teens, 19 September 2012,
http://www.spiegel.de/international/germany/critics-slam-german-military-ad-for-adventure-camps-aimed-at-teens-a-856712.html,
5Henning,
Uwe: Jugendpressekongress 2010 – Journalismus zum anfassen, in:
www.sanitaetsdienst-bundeswehr.de,
12 December 2010, accessed on 13 January 2011
6Meyer,
Simone: Guttenberg will Bundeswehr nicht mit dem Rasenmäher
verkleinern, in: Berliner Morgenpost, 29 October 2010
7Ministry
of Defence: Strategy for Delivery of MOD Youth Initiatives, A paper
by Directorate of Reserve Forces and Cadets, April 2005,
http://www.mod.uk/NR/rdonlyres/DCA0B266-5CA4-47AA-8172-85DA92892C52/0/drfc_modyouthstrat.pdf,
8Optional
Protocol to the Convention on the Rights of the Child on the
involvement of children in armed conflict, entry into force 12
February 2002, http://www2.ohchr.org/english/law/crc-conflict.htm,
9See
http://wri-irg.org/node/15215,
10See
11David
Gee: Army recruiters visit London's poorest schools most often, 18
January 2010, http://wri-irg.org/node/15324,
12Zusammen
e.V.: Bundeswehr im Arbeitsamt,
http://www.zusammen-ev.de/index.php/bundeswehr-im-arbeitsamt,
Attached file
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Right to Refuse to Kill
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text:
Q: Tensorflow: Increasing number of duplicate predictions while training I have a multilayer perceptron with 5 hidden layers and 256 neurons each. When I start training, I get different prediction probabilities for each train sample until epoch 50, but then the number of duplicate predictions increases, on epoch 300 I already have 30% of duplicate predictions which does not make sense since the input data is different for all training samples. Any idea what causes this behavior?
Clarifications:
with "duplicate predictions", I mean items with the exactly same predicted probability to belong to class A (it's a binary classification problem)
I have 4000 training samples with 200 features each and all samples are different, it does not make sense that the number of duplicate predictions increases to 30% while training. So I wonder what can cause this behavior.

A: One point, you say you are doing a binary prediction, and when you say "duplicate predictions", even with your clarification it's hard to understand your meaning. I am guessing that you have two outputs for your binary classifier, one for class A and one for class B and you are getting roughly the same value for a given sample. If that's the case, then the first thing to do is to use 1 output. A binary classification problem is better modeled with 1 output that ranges between 0 and 1 (sigmoid the output neuron). This way there will be no ambiguity, the network will have to choose one or the other, or when it's confused you'll get ~0.5 and it will be clear.
Second, it is very common for a network to start learning well and then to perform more poorly after overtraining. Especially with small datasets such as what you have. In fact, even with the little knowledge I have of your dataset I would put a small bet on you getting better performance out of an algorithm like XGA Boost than a neural network (I assume you're using a neural net and not literally a perceptron).
But regarding the performance degrading over time. When this happens you want to look into something called "early stopping". At some point the network will start memorizing the input, and may be part of what's happening. Essentially you train until the performance on your held out test data starts to worsen.
To address this you can apply various forms of regularization (L2 regularization, dropout, batch normalization all come to mind). You can also reduce the size of your network. 5 layers of 256 neurons sounds too big for the problem. Try trimming this down and I bet your results will improve. There is a sweet spot for architecture size in neural networks. When your network is too large it can, and often will, over fit. When it's too small it won't be expressive enough for the data. Angrew Ng's coursera class has some helpful practical advice on dealing with this.


text:
Kris Aquino on Bong Revilla's speech: "Silence is better than BS"
Who got schooled?
On Monday, June 9, Senator Bong Revilla went for broke in his privilege speech at the Senate. He had asked President Benigno Simeon "Noynoy" Aquino III to focus on the country's more pressing problems instead of spending so much time going after the pork scam posse.
Revilla, who's been charged with plunder in connection with the pork barrel fund scam, also played a music video during his speech.
On Aquino & Abunda Tonight later that day, actress and presidential sister Kris Aquino weighed in on Revilla's speech. She quipped, "Silence is better than BS."
She then added, "I know what their (Revilla) family is going through but I also believe that my brother's conscience is clean that's why he has the courage to run after (those who did something wrong)."
We wonder, though, if it occurred to the Queen of All Media that her brother also answers to the initials, "BS."
For more on this story, log on to Inquirer.net.
Kris Aquino Noynoyaquino Bongrevilla


text:
Ryan Kenwood Hollins (Pasadena, ) é um ex-basquetebolista profissional americano que jogava na posição de pivô e que representou nove equipas em 10 temporadas na National Basketball Association (NBA). Hollins terminou a sua carreira em 2017, depois de uma curta passagem pela Europa.

Naturais de Pasadena (Califórnia)
Basquetebolistas dos Estados Unidos
Basquetebolistas da Califórnia
Basquetebolistas do Charlotte Bobcats
Basquetebolistas do Dallas Mavericks
Basquetebolistas do Minnesota Timberwolves
Basquetebolistas do Cleveland Cavaliers
Basquetebolistas do Boston Celtics
Basquetebolistas do Los Angeles Clippers
Basquetebolistas do Washington Wizards
Basquetebolistas do Memphis Grizzlies
Basquetebolistas do CB Gran Canaria

redpajama_set_name: RedPajamaWikipedia


There are many different trusts that can be used to satisfy varying objectives. If you are concerned about the possibility of future creditors seeking to attach your assets, there is a particular type of trust that you should consider. The legal name of this trust structure is called a self-settled spendthrift trust. Among estate planning practitioners in Nevada, it is alternately referred to as a Nevada Asset Protection Trust.
This type of trust can protect a number of different assets, including real estate, bank and brokerage accounts, personal belongings, business holdings, and other types of assets from future creditors. It may also be used as a prenuptial planning device to protect assets from spousal claims in the event of a future divorce. However, it should be noted that you cannot create a self-settled asset protection trust and convey assets into it to protect assets from creditors that already have a judgment against you.
Up until relatively recently, self-settled asset protection trusts were not legal in the vast majority of states. However, more and more states have laws on the books that allow for the creation of these trusts. Our office is in Reno, Nevada, and our state of Nevada is one of the states that does allow self-settled asset protection trusts. For your information, the other states that currently allow these trusts in one form or another are Alaska, Delaware, Hawaii, Mississippi, Missouri, New Hampshire, Ohio, Rhode Island, South Dakota, Tennessee, Utah, Virginia, West Virginia, and Wyoming.
We should point out the fact that you do not necessarily have to reside in the state where the self-settled spendthrift trust is going to be established. However, your will need to designate a trustee of the trust that resides in the state in which you are creating the trust. In addition, it is a good idea to relocate your assets to that state. This is relatively easy to do with some types of assets, like bank accounts and marketable securities. On the other hand, it is impossible to transfer real property to another state. For real property, it is recommended that you transfer the interest into a limited-liability company organized in the state in which you are creating the trust, and then transfer the membership interest in the limited-liability company to the trust. Then the trust will then own an interest in intangible personal property located in the state of the trust's creation.
When you decide to establish a self-settled or domestic asset protection trust, you are considered to be the grantor or settlor of the trust. You convey assets that you would like to protect from future creditors into the trust. It is important to understand the fact that this is an irrevocable trust, so the act of transferring property into the trust is permanent. You cannot change your mind later and take back personal possession of these assets.
The trust administrator is called the trustee, and generally speaking, the grantor of a self-settled asset protection trust would be prohibited from acting as the trustee. You would utilize an individual that you know or a professional fiduciary like an attorney, certified public accountant or the trust section of a bank or a trust company to handle the trust administration chores. The person or entity that is acting as the trustee must physically reside in the state where the trust is being created.
Once you convey assets into the domestic asset protection trust, you are not left completely out in the cold with regard to the utilization of assets in the trust. The trustee can distribute assets from the trust to you in accordance with the terms of the trust agreement. It would also be possible for the trust declaration to give the trustee the discretionary power to distribute assets to members of your family.
We should point out the fact that the trust will protect assets from future creditors, but sometimes there is a waiting period depending on the laws of the state in question. In Nevada, waiting period is two years, which is among the shortest of all the jurisdictions that recognize these trusts. So, by way of example, if you convey assets into a Nevada Asset Protection Trust today, and there is a judgment against you eighteen months from now, the assets may be fair game.
Schedule a Free Estate Planning Consultation!
This is a relatively brief explanation of one of the many tools in the estate planning toolkit. Each case is different, and this is why personalized attention is very important. When you work with our firm, we will gain understanding of your needs, make recommendations, and help you put the ideal estate plan in place.
If you would like to schedule a consultation right now, we can be reached by phone at 775-823-9455. We are also holding a series of seminars over the coming weeks, and you can learn a great deal about many different estate planning topics if you attend one of these information sessions.
They are free to attend, but we do ask that you register in advance to reserve your seat, because space is limited. You can check out the schedule and obtain registration information if you click the following link: Reno Estate Planning Seminars.


In collaboration with LA based conceptual entrepreneur Martine Syms, we developed Studio West as an online studio for practice-based-research. Funding for Studio West came from Stanford Online and the studio was launched (2013) in conjunction with the first Practice Based Research in the Arts massive open online course.
Studio West is a multi-use platform dedicated to an interrogation of practice-based-research in the arts. We invite you to join our international community of artist-scholars, to share your research, and to develop your critical and creative practice. Studio West offers tools for sharing documentation, building personal archives, and provides a flexible platform for dialogue and collaboration.


Many of these parks are on the UNESCO World Heritage List.
Etosha National Park - Abundant wildlife in the "big white place"
South African national parks are administrated by SANParks .
This travel topic is an outline and should either be merged into an appropriate parent topic or else developed further. It has a template, but there is not enough information present for it to be of real use. It was last edited on 2016-05-1 and will be merged or deleted if not modified for one year. Please plunge forward and rescue it!
This page was last edited on 1 May 2016, at 10:54.