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“GriefShare: Surviving the Holidays” is a helpful, encouraging seminar for people facing the holidays after a loved one’s death. The seminar will be held on Saturday, December 6, from 9:00 to 11:00 a.m. at the Northwest Church of Christ, 5255 W. 98th Ave. Westminster, Colorado 80020. Child care provided through fifth grade (please call so we can arrange a sufficient staff of child care providers). There’s no charge for this event.The seminar features practical suggestions and reassurance through video interviews withcounselors, grief experts and other people who have experienced the holidays after theirloved one’s death. Topics to be discussed include “Why the Holidays Are Tough,” “What toExpect,” “How to Prepare,” “How to Manage Relationships and Holiday Socials” and “Usingthe Holidays to Help You Heal.”Those who attend will receive a free book with over 30 daily readings providing additionalinsights and ideas on holiday survival.For more information call seminar leader, Randy Woodfin, at 303-466-8414 or email him at northwestcofc@gmail.com
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Masterpiece Solutions , the leader in comprehensive point of sale and business management software for art and antique galleries, artists and other independent retailers, today announced a comprehensive program that offers assistance during this tough economic climate. The recently released Masterpiece Success Package offers much more than back-end software by offering a suite of products that helps small organizations stay above water during retail slowdown.“Masterpiece Manager can do two critical things: drastically reduce operating expenses AND significantly expand reach to consumers via Archer Exchange and a personalized website,” said Kevin Warr, CEO of Masterpiece Solutions. “When every dollar and minute counts, our valuable service package helps galleries and artists stay in business by letting us take over their time intensive back-end work and marketing efforts.”In one push of a button, Masterpiece Manager effectively cuts out time, money and manpower to achieve measurable results. On the back end, the savvy software handles inventory management, synchronizing online and in-store supply, data entry and more. To reach customers more swiftly, Masterpiece Solutions also offers comprehensive web services and listings on Archer Exchange (http://archerexchange.com/), the fastest growing online marketplace for fine art.“Over a decade of developing our suite of services has led us to knowing precisely how to contain costs and drive sales,” added Warr. “It is in recessionary times when business owners have the opportunity to take a hard look at how to maximize their time and outsource with confidence.”Utilized by more than 800 independent retailers worldwide, Masterpiece Manager was designed for gallery owners by gallery owners to increase the operating efficiency and simplify processes to give gallery owners and artists the freedom to focus on the art and not the paperwork. For nearly 15 years, Masterpiece Manager software has integrated point of sale software with inventory and customer relationship management.The Masterpiece Success Package includes:• Free upgrades forever• Unlimited phone and online technical support• QuickLink — The system easily synchronizes in-store and website inventory, so galleries will never again lose customers due to a website displaying wrong information• Unlimited listings on ArcherExchange — With more than $300 million in inventory on ArcherExchange, it has become one of the most visited art websites. Current galleries on ArcherExchange have claimed that it has increased their qualified lead generation by as much as 30%.To learn more about Masterpiece Solution’s products and services, visit www.masterpiecesolutions.com or call 303.225.0330 today.
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Integrated Asset Services, LLC (IAS, www.iasreo.com), a leader in default management and residential collateral valuation, today released its IAS360™ House Price Index for September 2008. The monthly report, which includes the most current and granular data available in the industry, showed a 2.1% decline in house prices on a national level in September, with an annual decline of 13.3%. However, the data also shows bright spots at the individual county level with 75 of the 360 counties showing month to month improvement in September.“Housing prices at the national and MSA levels are still seeing declines, but we’re seeing positive signs at the county level, and even more encouraging signs at the neighborhood level,” said Dave McCarthy, President and CEO of Integrated Asset Services. “A review of the IAS360 House Price Index county level data, which is an aggregate of the 15,000 neighborhoods we track, provides insights into pockets of the country that may be showing signs of improvement.”The national picture continues to look challenging. At the census region level, results for September show all four U.S. Census regions experiencing declines in house prices, with the South and West experiencing double digit declines annually of -11.2% and -19.0%, respectively. Compared to September of 2007, Western and Midwestern housing prices improved slightly while Northeast and South continued to weaken.Results for the month of September at the census division level, all nine U.S. Census Divisions posted declines. West South Central led the way with a decline of 4.5% and New England, South Atlantic, Pacific posting declines of 3.0%, 2.5% and 1.9%, respectively.The IAS360 House Price Index is a comprehensive housing index tracking monthly change in the median sales price of detached single-family residences across the U.S. The index, based on all arms-length transactions, tracks data of 15,000 “neighborhoods”, which is rolled-up to report on the changes in 360 counties, nine census divisions, four regions, and the nation overall. The IAS360 House Price Index is delivered on a monthly basis.Leveraging real time data and nationwide resources, IAS' high-tech and high-touch product lines offer an unmatched level of detail in a rapidly changing housing environment. IAS reports on "neighborhood" level house price trends, residential market climate and collateral valuation. IAS also provides traditional valuation products and full service REO Management and Disposition.
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CONSUMERS KEEP MONEY CLOSE TO HOME

With home safe sales up 75% over the past year, consumers are on a flight for safety. Many are finding soft landings locally at their community banks and credit unions where they can earn up to 7% interest on their checking accounts, feel the safety of a locally-owned bank, and know their deposits are fueling growth in their own community.“Amid this market turmoil, people are stashing cash close to home,” says Don Shafer, co-founder of BancVue and FIRST ROI, the creators of www.CheckingFinder.com, a resource to help consumers find community banks and credit unions that offer free, high-yield checking accounts. “Community banks and credit unions are trusted neighbors that offer safety and some of the best interest rates on the market. And if that isn’t enough, people enjoy that their deposits are being put to work in their local communities.”The more than 16,000 community financial institutions across the U.S. are certainly seeing money flow in from people cashing out of investments. An October survey by the Independent Community Bankers of America reveals that 70% of community banks saw an uptick in deposits in the past year. Part of the attraction has been driven by consumers seeking safer, high-yield checking accounts. In fact, BancVue, is witnessing accounts opening at a rate of every 59 seconds.“Selected community banks and credit unions are now offering free checking accounts with CD-like yields,” says Shafer. “Unlike the mega banks, these community institutions are taking the savings realized from consumers using electronic services and returning it to the consumer in the form of higher interest rates.”CheckingFinder.com is one resource for consumers to find community banks and credit unions that are offering free, high-yield checking accounts. The site enables consumers to search by rate, distance from their home, and best annual returns based on average account balance and ATM usage and then open the account online.“While megabanks may have branches, community financial institutions have roots. And, consumers are being paid to return to their roots,” concludes Shafer.
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The Fall Meeting will be at the George Reynolds Branch Library, in Table Mesa, Boulder.Yvette Pita, a videographer, will show a short video of a Project CURE delegation to Guantánamo Province, Cuba in May 2008. The Boulder-Cuba Sister City Organization raised funds to sponsor the Project CURE shipments of medical equipment and supplies to our sister city and two other towns. Yvette will discuss the delegation's experiences visiting different medical facilities to assess how past donations are being used as well as future needs. Other items on the agenda include: future collaboration with Project CURE, a rum tasting benefit, and environmental education projects. The George Reynolds Library is located across the street from the King Soopers in Table Mesa. For more information visit www.bouldercuba.org.
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Wood Comic Book Showcased In Denver Gallery

The new comic book series entirely burned on wood, Bartholomew of the Scissors, has sold out throughout the US in record time.The unique series has captured the attention of media and fans alike, due to its organic approach. For the first time, 44 wood panels that comprise the first two issues of the four part series will be displayed at a gallery show in Denver.Artist Daniel Crosier will be on hand at the opening reception to speak into the creative process."I'm thrilled the book has been embraced. I've received so many compliments and questions from fans and industry pros regarding the art, that I felt displaying the original wood panels in a gallery show would be a great opportunity to explain the process."Details for the opening reception for the show:Where: AND/OR Gallery Address: 3100 Blake St. Denver, CO When: Friday Nov. 14 from 6-9pm Who: Artist Daniel CrosierWebsite: www. ThothEngine.netFor more information contact: 303.588.0921 or odamfeimud@yahoo.com

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Alliance for Sustainable Colorado (www.sustainablecolorado.org), a non-profit organization dedicated to unifying the sustainability movement in Colorado, today announced that Smithsonian Institution will begin archiving in its political collection, digital clips and memorabilia from the first of its kind “Big Tent” event.The Big Tent, an 8,000 square-foot two-story structure, served as the gathering place and dedicated work space for more than 500 new media journalists, bloggers, reporters, and non-profit leaders during the 2008 Democratic National Convention.The Big Tent demonstrated the power and influence that new media can play in election coverage. As a testament to the influence of new media in politics, Smithsonian Institution will begin by documenting this historic moment in time.“Alliance for Sustainable Colorado is excited that the Smithsonian Institute has decided to archive the Big Tent in its political collection,” said Aaron Nelson, Project Director for Alliance for Sustainable Colorado. “The Big Tent was a momentous event for new media and we are excited to have played a key role in making it a success.”As part of their mission of collaboration, Alliance for Sustainable Colorado has undertaken a campaign to reach out to new media in order to unify the sustainability movement in Colorado by building collaborative networks among individuals, nonprofit organizations, business, government, and academiaThe Tent also hosted in-depth panels with prominent national leaders including energy executive T. Boone Pickens, Executive Director of the Sierra Club Carl Pope, Senator Ken Salazar (D-CO), Congresswoman Donna Edwards (MD-4); Google CEO Eric Schmidt, Digg founder Kevin Rose, President and CEO of the Center for American Progress John Podesta, and many more (For a full list of panelists, see www.bigtentdenver.org.) Political leaders — including Sen. Charles Schumer (D-NY), Gov. Brian Schweitzer (D-MT) — as well as actors Sean Penn and Darryl Hannah and other celebrities visited the tent, making it one of the places to be during the DNC.The Big Tent hosted by Alliance for Sustainable Colorado, Progress Now and Daily Kos, arranged panel discussions on topics such as the economy, energy independence, sustainability, the war, and the role of media in politics. During the event over 4,000 new media, traditional media and thought leaders passed through the Big Tent flap on August 25-29th, making it a first of its kind event.
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Boulder Creek Events, the producers of the award-winning Boulder Creek Festival and Rhythm on the Rails summer concert series, is proud to announce the opening dates for two WinterSkate seasonal outdoor ice skating rinks!Returning for its 5th season in Historic Downtown Louisville and its 10th season in Boulder County, WinterSkate in Historic Downtown Louisville is set to open for the season on THURSDAY, NOV. 20.WinterSkate is an old-fashioned, outdoor ice skating rink complete with traditional holiday music, free parking, free horse-drawn carriage rides during the holidays, and skating lessons. WinterSkate also features skate rentals, concessions, group discount rates, and is a great venue for birthday parties, holiday get-togethers, and field trips. WinterSkate presents the perfect opportunity to enjoy the winter season in a beautiful small-town setting!Boulder Creek Events is also proud to announce the return of our second WinterSkate rink at FlatIron Crossing, "the premier shopping and retail community located between Denver and Boulder in the rolling high plains of Colorado". Opening Day for WinterSkate at FlatIron Crossing will be SATURDAY, NOV. 15.For more information on either rink, including directions, hours of operation, and frequently asked questions, please visit www.bceproductions.com.
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Fuddy Meers Opens Oct. 31 at LTC

Longmont Theatre presents "Fuddy Meers" a story about Claire and her memory loss. Come check it out Oct. 31, Nov. 1, 2*, 7, 8, 9*, 13, 14, 15. 7:30 pm and *2:00 for matinees. Tickets 303-772-5200 or www.longmonttheatre.org
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Amendment 52

The backers of Amendment 52 say it will improve I-70 or other transportation in Colorado (the measure's a big vague). Yet none of the traditional traditional transportation groups in Colorado are contributing any money to the effort. Club 20, the big West Slope lobbying group is opposing it. It goes against recommendations by I-70 communities. And all of the money behind Amendment 52 comes from out-of-state oil and gas companies.

Why would out-of-state oil and gas companies suddenly take such a big interest in Colorado's transportation problems? They've never gotten involved before? They didn't weigh in on Referendum D, the mostly-transportationcompanion to Ref. C in 2005. What's going on?

The answer to that question is the big reason to vote "no" on Amendment 52. There are lots of other reasons to vote "no" on 52, but topping them all is the sheer dishonesty of the campaign.

52 is a Stealth Campaign to Protect Oil Company Profits

Out-of-state oil companies don't give a damn about our transportation problems. In fact, they're perfectly happy to compound them with their mad drive to squeeze every profitable bit of oil and gas out of our state.Out-of-state oil and gas companies are supporting Amendment 52 as anunderhanded way of keeping Coloradans from getting their fair share of oiland gas revenues.

As you know, Big Oil (and Gas) is sucking record amounts of petroleum out of Colorado and earning huge profits on it. But an old loophole lets them avoid paying the real Colorado severance tax on their windfall. Whilesurrounding states use severance tax revenue to build schools, fix roads andbuild up trust funds for the future, we're subsidizing oil and gas companies.All because of a tax loophole oil and gas companies won years ago.

Amendment 58, another measure on the November ballot, would eliminate the loophole and force oil and gas companies to start paying Colorado a severance tax similar to what they pay in surrounding states.Of course Big Oil (andGas) is fighting hard to keep the loophole and their huge profits fromColorado. You've undoubtedly seen some of their misleading advertisements.Amendment 52 is kind of an "insurance policy" in case the ad campaign doesn'tfool voters.

Amendment 52 would divert some of our existing severance tax to transportation. They happened to pick transportation -- it could have been anything. The key part of the measure is that it would become a permanentpart of the state constitution. Amendment 58 would eliminate the tax loopholeby changing state statutes.In general, provisions in the constitution trumpprovisions in statute. If both amendmwents pass, there's a good chance 52'sconstitutional change would take precedence over 58's statutory change andblock voters' attempt to eliminate the oil and gas tax loophole.

Supported by Out-of-State Oil Companies

The group pushing 52 is just three state legislators calling themselves Better Roads Now. Although they claim their goal is to improve traffic on I-70, all of their financial support is from out-of-state oil companies.Hereare the contributions Better Roads Now has reported to the Secretary ofState:

Plains Exploration & Production CoHouston, Tx7/01/2008$100,000.00
Berry Petroleum CompanyBakersfield, Ca7/03/2008$100,000.00
Occidental Oil & Gas Corp.Los Angeles, Ca7/16/2008$100,000.00

All out-of-state oil and gas companies; no Colorado transportation groups. In fact, no contributions from anyone in Colorado.

Other Reasons to Vote No on Amendment 52

Amendment 52 isn't just an underhanded way to protect oil company profits, it's a bad idea all by itself.

Takes Money from Important Projects

Supporters of Amendment 52 are pretending that it generates free money for transportation. Not true. It takes money from some important things the state is going right now, like projects to ensure a sustainable supply of cleanwater, protect forests from the pine beetle infestation, protect wildlife andoffer low-income energy assistance.

Interestingly, the people proposing Amendment 52 choose to take all of the money from the part of the severance tax that goes to statewide projects. They avoided taking any money from the other half, the half that supportsmostly West Slope and rural cities and counties.

Excludes Alternative Transportation

I don't know if we'll ever be able to fix the problems on I-70, but one thing I do know is that asphalt alone isn't going to be the solution. Everyone who has studied it, including the cities along the highway, concludethat public transit is going to be part of any real improvements.YetAmendment 52 specifically excludes transit. It does so in kind of a slickway. The amendment says the money will be for the same things as Section 18Article X of the Colorado Constitution.

"If they refer to that section the expectation would be that the money would be used for highways," said Jason Gelender, an attorney with Legislative Legal Services. Legal Services writes bills and interprets lawsfor the legislature.

Clutters the Colorado Constitution

Amendment 52 would put this bad idea right into the Colorado Constitution where it will likely be forever. People all across Colorado have recognized the problems we've created by constantly adding things to the Constitutionwhen they should be in law.Of course amending the constitution is critical tothe real intent behind 52. Since the backers are really using it as a redherring to preserve a tax break for oil companies, they need it in theConstitution so it will trump Amendment 58, which would only change statestatutes.

Not Enough Money

Amendment 52 might put $90 million a year into I-70 and/or other transportation projects. For I-70, that's just not significant. Plans for fixing I-70 start at about $5 billion and go up significantly before theyreach viability. That means the money from 52 would likely go to othertransportation projects around the state, which brings up yet another problemwith the proposal.

Confounds Consistent Transportation Policy

The state legislature would decide how to spend the money from Amendment 52, not the Colorado Transportation Commission. But it's the commission that makes most state transportation funding decisions. It's been that way fordecades as a way to make transportation policy less political. Before termlimits, powerful legislators could divert money to their own districts.

Our transportation funding is already getting fragmented as Congress earmarks money for specific projects and ballot issues, like the TRANS bonds, add projects to broaden the geographic appeal. Adding a new set of decisionsby the legislature will further erode the state's ability to followconsistent a transportation policy.

Learn More

Here are some websites where you can get more information about Amendment 52:

Responsible Colorado, which opposes Amendment 52

Better Roads Now, the oil-industry-funded group supporting Amendment 52

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Socially responsible investment industry leaders will focus considerable attention on the global financial crisis at the 19th annual SRI in the Rockies Conference October 26-28, 2008.A record 720 participants are expected to converge on The Fairmont Chateau Whistler, in Whistler, British Columbia. Several of the scheduled conference sessions will feature experts discussing how socially conscious investors can help to reshape the future of the global financial system around the principles of transparency, fairness, good governance, and long-term thinking, including:• A CEO Roundtable on Industry Trends;• A Banking Sector panel focused on Sustainable Global Finance;• A session on Philanthropy and Mission-Related Investing;• An expert panel on the Sub-Prime Mortgage Situation;• A roundtable discussion with International SRI Industry Leaders;• A discussion about how wise management of environmental, social, and governance (ESG) issues can reduce risk and position companies to excel over the long term; and• A Special Session that will focus specifically on the global financial crisis.“This is a unique opportunity for SRI leaders to strategize on integrating the principles of socially and environmentally responsible investing – such as responsible corporate governance – into the nation’s financial infrastructure moving forward,” said Lisa Woll, Chief Executive Officer of the Social Investment Forum (SIF).SRI in the Rockies, a collaboration between First Affirmative Financial Network and the Social Investment Forum, is the premier annual conference for the sustainable and responsible investment (SRI) industry in North America.“The financial crisis has put a spotlight on some of the worst practices on Wall Street, many of which socially conscious investors have worked to remedy over the years,” said George R. Gay, CEO of First Affirmative Financial Network and a Director of the Social Investment Forum. “We believe that a more socially responsible approach to investing can—and should—play a role in helping to transform the investing world.”SRI in the Rockies takes place against the backdrop of an industry that continues to expand rapidly. According to the SIF’s “2007 Trends Report,” nearly one out of every nine dollars under professional management in the U.S. in 2007 was involved in SRI. From 2005-2007, SRI assets increased more than 18 percent while the broader universe of professionally managed assets expanded less than 3 percent.
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Saturday, Oct 18. at 7:30 pmThe Longmont Chorale and Dever Pipe Band will perform at Calvary Church in Longmont (2101 Gay St.).The concert will include Celtic favorites such as Danny Boy, Loch Lomond, and Highland Cathedral, as well as the contemporary Irish song Only Time, made popular by the singer/songwriter Enya. To conclude the concert the choir and bagpipes wil offer an inspiring arrangement of Amazing Grace.Tickets are still available at Ticketswest or at 303-651-7664
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Obermeyer Asset Management Company (www.obermeyerasset.com) announced today the opening of its new Denver Colorado office at 3200 Cherry Creek South Drive, Suite 480.Located in the heart of the Cherry Creek business district, the office will allow the Aspen-headquartered discretionary asset management firm to expand its presence in the Colorado market. Obermeyer manages the wealth of affluent individuals, families, foundations and corporations by developing investment portfolios tailored to their individual circumstances.Company president Wally Obermeyer, recently named one of America’s Top 100 independent advisors by Barron's magazine, said the new office demonstrates the firm’s commitment to serving Colorado’s affluent investors. “Over the years, we’ve built a solid reputation around the Roaring Fork Valley for delivering solid investment returns and world class service,” said Obermeyer. “We’re pleased about this office opening and the increased investment opportunities it affords the entire Colorado community.”Obermeyer, who entered the investment business in 1994 with $1 million under management, has grown the firm’s asset base to more than $600 million today. The investment team builds and manages a diverse range of equity, fixed income, and alternative investment strategies for about 250 families and their associations.“As our reputation grows, so does the need to serve the investment community here in the Metro Area and around the state,” said Lonny Kandel, Denver Region Vice President and Director of the Cherry Creek office. “Obermeyer has a tremendous wealth management legacy, and I’m very pleased to build on that legacy in Denver.”
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Integrated Asset Services, LLC (IAS, www.iasreo.com), a leader in default management and residential collateral valuation, today released its IAS360 House Price Index for August 2008. The monthly report, which includes the most current and granular data available in the industry, showed a 0.2 % decline in house prices on a national level in August, and an 11.6% decline from August 2007 to August 2008.The IAS360 House Price Index is a comprehensive housing index tracking monthly change in the median sales price of detached single-family residences across the U.S. The index, based on all arms-length transactions, tracks data at a “neighborhood” level, which is then rolled up to report on the changes in 360 counties, nine census divisions, four regions, and the nation overall. The IAS360 House Price Index is delivered on a monthly basis.“As the economy continues to weaken everyone is watching the housing market for signs of a recovery,” says Dave McCarthy, President and CEO of Integrated Asset Services. “The IAS360 HPI’s ability to gauge housing volatility on a granular level and in a timely manner makes it the most essential house price index available for investors, lenders and consumers during these tumultuous times.”At the broader census region level, results for August show three out of four U.S. Census regions experiencing declines in house prices, with only the Northeast region continuing to show a marked improvement, up 1.3%. Showing the most significant loss among the four census regions is the West with a year-over-year double-digit decline of 18 %.Results for the month of August at the census division level showed five out of nine U.S. Census Divisions posting gains during August. New England led the way with a 2.4% appreciation and Mountain, Middle Atlantic and West South Central posting 1.1%, 0.4% and 0.2% appreciation respectively. That said all nine census divisions posted declines year-over-year with Pacific and Mountain divisions maintaining double digit declines.
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Masterpiece Solutions, the leader in comprehensive point of sale and business management software for art and antique galleries, artists and other independent retailers, today announced the upgrade of its Masterpiece Manager software and the introduction of its innovative Masterpiece Success Package. The advancements give galleries and artists a state-of-the-art, integrated gallery management solution, including advanced inventory controls, customer management, point-of-sale and web integration combined with an effective service program.Utilized by more than 5,000 independent retailers, Masterpiece Manager was designed for gallery owners by gallery owners to increase the operating efficiency and simplify processes to give gallery owners and artists the freedom to focus on the art and not the paperwork. For nearly 15 years, Masterpiece Manager software has integrated point of purchase with inventory and customer relationship management. The newest version of Masterpiece Manager has advanced those features with a more customer-friendly interface, enhanced reporting capabilities and additional sales tools, while also enhanced capabilities to manage and synchronize the bricks and mortar store front with the online store front.“Masterpiece Solutions is the one-stop-shop business solutions provider for gallery owners and artists,” said Kevin Warr, CEO of Masterpiece Solutions. “Our long history of serving the gallery and artist market combined with what is certainly the most advanced and affordable POS and business management software, Masterpiece Manager, makes us the best business partner for galleries to save time, make money and improve their retail and online image.”As a complement to the new version of Masterpiece Manager, Masterpiece Solutions has also introduced the Masterpiece Success Package, simplifying the relationship and extending a galleries’ visibility online. The Masterpiece Success Package includes:• Free upgrades forever• Unlimited phone and online technical support• QuickLink — The system easily synchronizes in-store and website inventory, so galleries can accurately track inventory• Free listing on ArcherExchange — With more than $300 million in inventory on ArcherExchange, it has become one of the most visited art websites. Current galleries on ArcherExchange have claimed that it has increased their qualified lead generation by as much as 30%.To learn more about Masterpiece Solution’s products and services, visit www.masterpiecesolutions.com or call 303-225-0330 today.
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SRI in the Rockies to Honor Community Investors

Investors who earmark at least one percent of their capital for community investment will be honored at the 2008 SRI in the Rockies Conference, the premier annual conference for the sustainable and responsible investment (SRI) industry in North America.“Community investing, a core SRI strategy, has successfully served the same populations currently reeling from bad loans made by predatory lenders,” said Lisa Woll, chief executive officer of the Social Investment Forum (SIF). “Continuing to expand the pool of funds available for community investing is more important now than ever before.”SRI in the Rockies is collaboration between the Social Investment Forum and First Affirmative Financial Network. More than 700 participants are expected to gather in Whistler, British Columbia, Canada, October 26–28, 2008 for the 19th annual SRI in the Rockies Conference.Community investors’ direct capital to communities underserved by traditional financial services, providing access to credit, equity, capital and basic banking products that economically distressed communities and lower-income borrowers otherwise would not have.Community investing is the fastest growing component of SRI. Investment in the field has increased from $5.4 billion in 1999 to more than $25 billion in 2007. The goal of the “1% or More in Community Campaign” is for SIF members to help push community investment in the United States to $30 billion by 2010."The ‘1% or More for Community Campaign’ has the potential to impact wide-scale investor action across the investment community, positively impacting the economically disadvantaged communities of the hurricane-torn gulf coast, other low-income communities across the United States, and in developing countries around the world," said William Bynum, executive director, Enterprise Corporation of the Delta.SIF and Co-op America co-founded the “1% or More in Community Campaign” in 2001 to advance community investing among Social Investment Forum members by encouraging them to shift one percent or more of their investment dollars into community investing, thus making financing available to economically distressed communities and lower income families.SIF members who have met the campaign challenge will be honored during a breakfast at SRI in the Rockies on October 27th. More information about the Social Investment Forum along with a current list of SIF members who have achieved the “1% or More in Community Investing Campaign” goal is available at www.communityinvest.org.
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The real bail out should go to us !!!

Here’s a plan I could get behind!!! If only…….Hi Pals,I’m against the $85 BILLION bailout of AIG. Instead, I’m in favor of giving $85,000,000,000 to America in a “We Deserve It” dividend. To make the math simple, let’s assume there are 200,000,000 bona fide U.S. citizens, aged 18+.Our population is about 301 million counting every man, woman and child. So, 200,000,000 might be a fair stab at adults 18 and up. Now, divide 200 million, 18+ adults into $85 billon - that equals $425,000.00 each! Yes, my plan is to give that $425,000 to every adult as a “We Deserve It” dividend.Of course, it would NOT be tax free. So, let’s assume a tax rate of 30%. Everyone would pay $127,500.00 in taxes. That sends $25.5 billion right back to Uncle Sam! It also means that every adult 18+ has $297,500.00 in their pocket. A husband and wife would have $595,000.00!What would you do with $297,500.00 to $595,000.00?· Pay off your mortgage – housing crisis solved· Repay college loans – what a great boost to new grads· Put away money for college – it’ll really be there· Save in a bank – create money to loan to entrepreneurs· Buy a new car – create jobs· Invest in the market – capital drives growth· Pay for your parent’s medical insurance – health care improves· Enable Deadbeat Dads to come clean – or elseRemember this is foreveryadult U.S. citizen, 18 and older (including the folks who lost their jobs at Lehmann Brothers and every other company that is cutting back) and of course, for those serving in20our Armed Forces.If we’re going to re-distribute wealth let’s really do it! Instead of trickling out a puny $1,000.00 (“Republican vote buy”) economic incentive.If we’re going to do an $85 billion bailout, let’s bail out everyadult U.S. citizen!!As for AIG – liquidate it.Sell off its parts.· Let American General go back to being American General.· Sell off the real estate.· Let the private sector bargain hunters cut it up and clean it up.We deserve the money and AIG doesn’t. Sure it’s a crazy idea, but can you imagine the coast-to-coast block party?!How do you spell Economic Boom ? W-e D-e-s-e-r-v-e I-t d-i-v-i-d-e-n-d! I trust my fellow adult Americans to know how to use the $85 Billion “We Deserve It” dividend more than I do the geniuses at AIG or in Washington , D.C. .And remember, The Birk plan only really costs $59.5 billion because $25.5 billion is returned instantly in taxes to Uncle Sam.Ahhh...I feel so much better getting that off my chest.Kindest personal regards,BirkT.. J. Birkenmeier, A Creative Guy & Citizen of the Republic
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Schwab Charitable, one of the country’s largest and fastest growing nonprofits and facilitators of charitable giving with over $2 billion in assets and $350MM in annual grants, announced today the launch of an innovative microfinance guarantee program. It is the first program of its kind to enable donors to set aside a portion of their Charitable Gift Accounts to guarantee microfinance loans to the world’s poorest entrepreneurs to start, maintain or expand small businesses. Guarantees are different from direct gifts to microfinance in that funds may never have to leave a donor’s account. The new program is designed to allow donors to maximize their charitable impact by putting donated dollars to use as a microfinance guarantee while they are still held in their Charitable Gift Accounts and invested for growth and future granting.“This program gives our donors an additional opportunity to make a difference in the lives of others,” said Kim Wright-Violich, President of Schwab Charitable. “They have secured a tax deduction by making a gift to a donor-advised fund and now they can double their charitable impact by putting the funds to use once as a microfinance guarantee and then a second time as a grant to a completely different cause.”The Schwab Charitable microfinance guarantee program is expected to increase the availability and reduce the costs of microfinance loans in over 25 developing countries and will be launched in phases in response to interest, which is expected to be quite high. The first phase will begin with an estimated $20-30 million in guarantees and could help make possible well over 100,000 microloans. The program is being launched in collaboration with Grameen Foundation, a leading microfinance network, and will evolve to include Developing World Markets, a leading lender to microfinance institutions, as it grows.“We are excited to be partnering with Schwab Charitable to expand the reach of microfinance loan programs around the world,” said Alex Counts, President of Grameen Foundation. “Historically, guarantee programs have only been open to large foundations or to the very wealthy. This program opens up participation to a much broader range of donors, democratizing access and building a solid base of ongoing support.”“This Schwab Charitable microfinance initiative will very efficiently deliver needed financing to the world’s economically active poor, helping lift families out of poverty and spurring economic growth. It’s an honor to join with Schwab Charitable to execute and deliver on this mission.” said Peter Johnson, a founding partner of Developing World Markets.The Schwab Charitable microfinance guarantee program is optional and available only to Schwab Charitable donors. Donors who agree to participate will recommend that up to 10 percent of their Charitable Gift Accounts be set aside for a period of 24-36 months to help guarantee microfinance loans. Any funds used to guarantee microloans will stay in their accounts, will continue to be invested for the entire period and will be applied to the guarantee only if the microfinance program has losses in excess of reserves. In addition, Schwab Charitable will report back to participating donors on the social and economic impact that these microfinance loans provide to their various recipients.“Our clients have expressed increasing interest in supporting microfinance over the years,” said Debra Wetherby, CEO of Wetherby Asset Management, an independent investment advisory firm with more than $3 billion under management “We love this program because it will enable our clients to keep their Charitable Gift Accounts prudently invested while also putting them to immediate work in a very meaningful way. It is a true win for everybody involved.”“We are always looking for ways to help our donors maximize their charitable impact and we hope this is just the first in a series of innovative charitable ways to pledge assets held in charitable gift accounts,” said Ms. Wright-Violich. “Microfinance is the natural first step because it has a strong and successful track record, has proven to be sustainable and helps people move toward self-sufficiency.”The Schwab Charitable Microfinance Guarantee Program is another in a series of innovations from Schwab Charitable. In 2007, Schwab Charitable made charitable gift accounts accessible to an even broader group of donors by lowering the minimum initial contribution from $10,000 to $5,000 and the minimum grant size from $250 to $100. In addition, its Charitable Asset Management program — a philanthropic option that allows high net worth donors who contribute $250,000 or more to nominate an independent investment advisor to manage their donated funds — is the leading program of its kind. Schwab Charitable was the first leading national donor-advised fund to offer donors the option to have advisors manage the assets in their Charitable Gift Accounts.For more information about Schwab Charitable or the Schwab Charitable microfinance program, visit www.schwabcharitable.org.
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25 members of the Arapahoe Chapter Daughters of the American Revolution participated in the Louisville Labor Day Parade. Many members wore Colonial Costume. 14 hildren of the American Revolution, sponsored by the Daughters of the American Revolution also marched in the parade, dressed in Colonial costume and everyone handed out over 900 American Flags and cards describing the committees of Scholarship, Project Patriot and American History Essay Contests for Boulder Valley Schools.
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