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Publications - Community Development Resources
Perspectives from Main Street: The Impact of COVID-19 on Communities and the Entities Serving Them
This report provides insight into the scope and scale of challenges that U.S. communities are facing amid the COVID-19 pandemic. It summarizes the findings of a nationwide survey of nonprofit organizations, financial institutions, government agencies, and other community organizations. The survey was conducted in early April by the 12 Federal Reserve Banks and the Board of Governors. It saw nearly 3,900 respondents serving urban, suburban, and rural communities.
posted 05/18/2020 by Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas, San Francisco, Board of Governors
Anchor Institution Strategies in the Southeast: Working with Hospitals and Universities to Support Inclusive Growth
Engaging universities and hospitals to address economic disparities—often referred to as anchor institution strategies—has been understudied in the Southeast. This paper examines efforts to launch anchor institution strategies in the Southeast by exploring the case studies of New Orleans, Atlanta, and Miami's efforts to establish anchor institution programs between 2016 and 2018.
posted 01/14/2020 by Atlanta
Nonprofit Executive Succession-Planning Toolkit
A nonprofit that is prepared for the departure of an executive is better positioned for success. This toolkit, designed for nonprofits at any phase of succession planning, provides an overview, outline of key roles, templates that nonprofits can tailor to their needs and links to related resources.
posted 12/10/2019 by Kansas City
Disconnected: Seven lessons on fixing the digital divide
The report from the Kansas City Fed focuses on broadband access, economic impact and success stories for communities wishing to narrow the digital divide. The digital divide refers to the gap between those with and without access to affordable, reliable broadband and the skills and equipment to utilize it.
posted 08/01/2019 by Kansas City
Weathering the Storm
This new publication from the Dallas Fed explores recovery efforts in the wake of recent natural disasters across the United States. It presents guidance on how financial institutions can help advance disaster recovery in low- and moderate-income communities and meet their obligations under the Community Reinvestment Act.
posted 08/14/2018 by Dallas
Bridges — Winter 2017-2018
Bridges is a quarterly review of regional community and economic development issues, projects, and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics, and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2017-2018 issue include: New St. Louis Fed Tool Dives Deep into Community Investment; Cash on Hand Is Critical for Avoiding Hardship; Connecting a Memphis Community to the Built Environment through Equity; Investment Connection: The St. Louis Fed's New Approach to CRA; CRA: An Examiner's Perspective – Questions to Ask Workforce Development Partners; and more.
posted 03/20/2018 by St. Louis
Fair lending laws and the CRA: Complementary tools for increasing equitable access to credit
The fair lending laws and the Community Reinvestment Act view lending through two different lenses: one focused on protected classes and one focused on income level. Yet despite the distinction, the laws can work in concert to promote more equal access to credit. This article explores these laws and discusses how they intersect. Featured in Community Dividend, an online publication of the Minneapolis Fed, on March 8, 2018.
posted 03/09/2018 by Minneapolis
Resilient Legacy, Connected Future: CDFIs in the Southeast
This issue of Community Scope presents key findings from the 2017 Richmond Fed's Survey of CDFIs in the Southeast.
posted 03/06/2018 by Richmond
Growing the Pipeline of Pay-for-Success Projects
This issue of Community Practice Papers details one path to further advance the Pay-for-Success (PFS) field in the United States — the use of universities, and specifically the University of Virginia's Pay for Success Lab.
posted 03/06/2018 by Richmond
Community Practice Papers: Community Development Corporations- Diverse Practices Across North and South Carolina
In this issue of Community Practice Papers, we take a look at examples of sustained and emerging business models from rural and urban Community Development Corporations across North and South Carolina.
posted 03/05/2018 by
5th District Footprint: The Community Reinvestment Act and Medically Underserved Areas /Populations in the Fifth District
This issue of 5th District Footprint examines Fifth District census tracts eligible for Community Reinvestment Act (CRA) investment and designated as Medically Underserved Areas/Populations (MUA/Ps) by the Health Resources and Services Administration (HRSA).
posted 03/05/2018 by Richmond
The Small Cities Study Tour: Cedar Rapids' Economic Recovery
How can a small city that suffers a natural disaster recover economically? This article explores the economic success and challenges of Cedar Rapids, Iowa, in the wake of a disastrous 2008 flood.
posted 02/05/2018 by Atlanta
CDFIs Seek Federal Home Loan Bank Membership
Since their creation in the 1990s, community development financial institutions (CDFIs) have worked to aggregate capital to help economically distressed communities across the United States. Because CDFIs have a mission to serve distressed or low-income communities, they are a natural partner for banks and other investors. Even so, long-term, affordable financing is one of the most pressing and persistent challenges facing the CDFI industry.This article discusses the current state of CDFI-Federal Home Loan Bank (FHLBank) membership. It focuses on several new FHLBank members in the Atlanta region, providing lessons that could be useful to others considering FHLBank membership.
posted 02/02/2018 by Atlanta
Bridging the Health-Community Development Divide
Community development and health professionals often work with the same residents in separate silos, but that is beginning to change. This article previews a paper on emerging health-community development partnerships in the Southeast.
posted 02/02/2018 by Atlanta
Partners Update
This article explores the Small City Economic Dynamism Index, an interactive data tool that examines the economic trajectory of small and midsized cities. As the article explains, the tool's interactive charts enable peer comparisons and visualization of trends across time. The information can be used to support development of local policy, strategies, or funding proposals related to community and economic development in small and midsized cities.
posted 02/02/2018 by Atlanta
Can Community Development Improve Health? Emerging Opportunities for Collaboration between the Health and Community Development Sectors
The two sectors of community development and health have long worked in the same neighborhoods, but they have not always worked together. This is starting to change, due in part to a growing recognition among health experts of the social determinants of health—the social, economic, and environmental factors that drive health outcomes. This discussion paper reviews early lessons on how to build a successful health and community development partnership, including an examination of the incentives for community developers, health professionals, state and local governments, and philanthropy to participate in these collaborations.
posted 12/21/2017 by Atlanta
The CRA at 40: Law Remains a Cornerstone of Community Development
In 2017, the Community Reinvestment Act (CRA) turned 40. This Dallas Fed publication examines the impact, successes and challenges of the CRA in Texas. It analyzed the performance evaluations of a sample of Texas banks to assess the CRA's monetary benefit and polled bankers to understand their perceptions of how the act is contributing to low- and moderate-income communities.
posted 12/07/2017 by Dallas
Transformative Economies: Emerging Practices for Aligning Growth and Inclusion
This paper sets a framework for building transformative economies. Prepared by Paul C. Brophy, Robert Weissbourd, Andy Beideman for the Economic Growth and Mobility Project, the authors share policy levels to foster inclusive growth practices and highlight emerging approaches and innovative programs in regions across the country.
posted 10/24/2017 by Philadelphia
Coming Up with the Money: Five Principles for Launching a Successful Community Development Initiative
This guide, designed especially for those new to the field of community development, also serves as a refresher and resource for those who don't engage in financing projects regularly or those who would like to consider new partners and new tools for upcoming projects.
posted 09/14/2017 by St. Louis
What Matters: Investing in Results to Build Strong, Vibrant Communities
What does it take to measure and fund positive social change? This new book from the San Francisco Fed and Nonprofit Finance Fund sets a vision for revolutionizing the way America achieves social progress: By paying for results. The book features a collection of essays by 80 authors with wide expertise on the social, cultural, and financial implications of orienting programs and funding around outcomes.
posted 06/30/2017 by San Francisco
Scale Finance: Industrial-Strength Social Impact Bonds for Mainstream Investors
Social Impact Bonds have demonstrated significant growth potential within their defined boundaries, but the standard model has not yet developed "mainstream" investment transactions capable of expanding certified evidence-based programs (CEBPs) commensurate with unmet population needs. This San Francisco Fed paper proposes an enhanced SIB model called "Scale Finance" in which asset owners and fund managers would work with CEBP developers to expand these proprietary programs at their maximum feasible growth rates.
posted 06/30/2017 by San Francisco
Bridges — Spring 2017
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Spring 2017 issue include: Memphis and Beyond: Assessing the Market for CRA Investment; Does College Level the Playing Field?; Back to the Future: Financial Capability in Social Work Practice; CRA: An Examiner's Perspective – Train for Results!; Entrepreneurship and Re-entry: Aspire Entrepreneurship Initiative; and more.
posted 06/19/2017 by St. Louis
Nonprofit Co-location and Opportunities for Community Development Financial Institutions
This white paper produced by the St. Louis Fed focuses on the benefits of nonprofit co-location, the unique position of CDFIs to partner with these facilities, and how co-location is happening in the U.S. The research was presented at the Bank's Social Purpose Real Estate Regional Conference; materials and videos from the event are available here.
posted 05/18/2017 by St. Louis
CultureBank: A New Paradigm for Community Investment
Building on the concept of creative placemaking, this paper from the San Francisco Fed presents an idea for a Community Development Financial Institution organized around art: CultureBank. Housed at Yerba Buena Center for the Arts, this nonprofit bank will specialize in unleashing asset value in art collections and focus on artists as borrowers, or Artist-Entrepreneurs.
posted 04/06/2017 by San Francisco
The Geographic Scope of CDFI Activity in the Southeast
The second issue of Community Scope 2016 examines the patterns in geographic service provision by respondent CDFIs in urban, rural, low- and moderate-income (LMI), underserved and distressed markets and areas.
posted 03/31/2017 by Richmond
Bridges — Winter 2016-2017
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2016-2017 issue include: Indianola Promise Community: Improving Academic Outcomes in the Delta; Working Together to Address the Wealth Gap; Community and Economic Development: Around the Globe and Back to the Mississippi Delta Region; 12 Steps to Financial Success: Empowering At-Risk Adults; Memorial Community Development Corporation: Putting Faith to Work; and more.
posted 03/22/2017 by St. Louis
Broadband and High-speed Internet Access in the Fourth District
How accessible is high-speed internet across the Fourth District states of Kentucky, Ohio, Pennsylvania, and West Virginia? Two Cleveland Fed researchers examine through analysis and maps what's being considered a new form of infrastructure.
posted 03/20/2017 by Cleveland
Challenging the Kentucky 'Uglies'
Two Cleveland Fed analysts examine how organizations such as Kentucky Homeplace have been working in eastern Kentucky to reduce health disparities and build a healthier and more productive population and a stronger regional economy.
posted 11/23/2016 by Cleveland
As Branches Decline, How Do Bankers Continue to Comply with CRA?
Recent revisions to regulatory guidance do not strip the bank branch of its importance for achieving compliance with the Community Reinvestment Act. A Cleveland Fed writer examines the interaction between regulators and bankers as financial institutions are serving communities in increasingly digital ways.
posted 11/23/2016 by Cleveland
5th District Spotlight: Social Determinants of Health in the Fifth District
In this issue of 5th District Spotlight, the Richmond Fed looks at social and economic conditions that may directly or indirectly affect health outcomes. Research shows that factors such as a quality education, stable employment, safe surroundings, access to healthy food, transportation options, internet connectivity, and preventative and support services may contribute to individual physical health, as well as to overall health-related quality of life for a community.
posted 09/08/2016 by Richmond
Taking Stock of New Supermarkets in Food Deserts: Patterns in Development, Financing, and Health Promotion
Across the U.S., neighborhoods face disparate healthy food access, which has motivated federal, state, and local initiatives to develop supermarkets in "food deserts." Differences in the implementation of these initiatives are evident, including the presence of health programming, yet no comprehensive inventory of projects exists to assess their impact. Using a variety of data sources, this Working Paper from the San Francisco Fed provides details on all supermarket developments under "fresh food financing" regimes in the U.S. from 2004-2015.
posted 09/06/2016 by San Francisco
Best Practices in the Design and Implementation of Learning Communities
When addressing complex problems, evidence suggests common learning mechanisms are not effective. Learning communities provide an opportunity to learn and network but with a more deliberate focus on knowledge exchange, team building, and innovation. A recent study published by the San Francisco Fed shares insight on the design of learning communities and reveals best practices for building team cohesion, strengthening the capacity of the stakeholders involved in the work, and sparking new and creative thinking.
posted 06/01/2016 by San Francisco
Understanding the Crowd, Following the Community: The Need for Better Data in Community Development Crowdfunding
In the past half-decade crowdfunding has emerged as a popular way to raise money online for a wide range of projects. As the reach of crowdfunding has expanded, the field of community development has the potential to benefit from the practice, both as a straight fundraising mechanism and as a way to give greater voice to community members. This San Francisco Fed working paper makes the case that in order for community development crowdfunding to reach its potential scale, and to involve the full range of potential stakeholders, better standards of data reporting and collection need to be established.
posted 06/01/2016 by San Francisco
Healthy Food Access: A View of the Landscape in Minnesota and Lessons Learned from Healthy Food Financing Initiatives
This report of findings from a joint Minneapolis Fed-Wilder Research study sheds light on food deserts in Minnesota and barriers to expanding healthy food retail. It features statewide and regional maps and data tables.
posted 04/25/2016 by Minneapolis
Free CSA Shares Provide Nutritious Fare for LMI Minnesotans
The Choose Health program offers farm-fresh produce plus an educational component that's designed to improve participants' health in the long term. From Community Dividend, a publication of the Minneapolis Fed.
posted 03/14/2016 by Minneapolis
CDFIs Seek Federal Home Loan Bank Membership
Long-term, affordable financing is one of the most pressing and persistent challenges facing the community development financial institution (CDFI) industry. Regulatory and business cycle pressures have tended to limit the borrowing terms available to CDFIs. This January/February 2016 Partners Update article explores the current state of CDFI-Federal Home Loan Bank (FHLBank) membership by focusing on several new FHLBank members in the Atlanta region
posted 02/25/2016 by Atlanta
The Small Cities Study Tour: Chattanooga's Comeback
How have some small cities forged a path to economic resurgence while others still languish? Representatives from several Federal Reserve Banks and place-based funders are on tour to find out. In this first article in a Partners Update series, they study a revitalized Chattanooga.
posted 02/05/2016 by Atlanta
IFF: A Leading Community Development Financial Institution Expanding Its Market Reach across the Midwest
In this 2015 edition of ProfitWise, the Chicago Fed profiles IFF--formerly Illinois Facilities Fund-- one of the largest and most innovative Community Development Financial Insitutions (CDFIs) nationwide. In its 27th year of operation, IFF is expanding its financial and development services, and its impact on low- to moderate-income communities, to a broad collection of Midwestern states.
posted 01/06/2016 by Chicago
St. Louis Fed 2015 Community Development Outlook Survey
The St. Louis Fed's annual Community Development Outlook Survey gathers input from a variety of stakeholders regarding the economic conditions of low- and moderate-income (LMI) households and communities in the seven states that make up the Fed's Eighth District. Data from the survey is used to inform strategic planning, community and economic development, and public policy dialogue around issues and challenges for the District's LMI areas.
posted 12/30/2015 by St. Louis
Programs Empower Texas Nonprofits to Influence Policy Change
This Dallas Fed article highlights programs that support nonprofits in influencing policy through advocacy, election involvement and communication with elected officials. Featured is the new Texas office of Alliance for Justice (AFJ), a national association of organizations committed to ensuring all Americans can fully participate in the democratic process. AFJ's work in Texas includes trainings and technical assistance in partnership with other local organizations dedicated to policy reform and advocacy.
posted 12/10/2015 by Dallas
Analysis of Community Development Needs and Opportunities in Los Angeles County
The opportunities and challenges in a given community are complex, and to understand them requires a thorough assessment of data intertwined with the voices of local businesses, non-profits, and residents. Using Los Angeles as an example, this analysis from the SF Fed incorporates quantitative and qualitative data to holistically assess a county's needs.
posted 12/06/2015 by San Francisco
CRA OneSource
CRA OneSource is your source for Community Reinvestment Act tools, templates, guides, webinars and other resources to assist you in preparing for an exam and growing your community development program.
posted 12/03/2015 by Kansas City
2015 NHS Community Banks Partnership Meeting summary
Established in 2007, the Community Banks Partnership is an innovative collaborative that supports NHS' community reinvestment programs and services through financial support, lending capital, service and counsel. This group meets at least once annually to discuss issues important to the housing and lending industries. This article, from Issue 3, 2015 Profitwise News and Views, summarizes a second quarter convening at the Chicago Fed: NHS of Chicago's annual Community Banks Partnership meeting. Among other topics, panelists discussed the housing market for 'millennial' buyers, and the regulatory landscape for community banks.
posted 12/01/2015 by Chicago
Community Reinvestment Act: How Much Is It Worth in the Southeast?
Community development practitioners want to know how much banks are investing in a particular geography, as that information could help them "right-size" their strategy for bank partnerships. This second Partners Update article on the CRA, released in September/October 2015 by the Atlanta Fed's Will Lambe, provides an approximate figure for the Southeast.
posted 11/20/2015 by Atlanta
Citizen Engagement in Community Development
Some municipalities are using community development initiatives that capitalize on the strengths of the community and its residents to improve living conditions. But what motivates residents to engage with their local government in the first place? This November/December 2015 Partners Update article investigates findings from an Atlanta example.
posted 11/20/2015 by Atlanta
CDFIs seek to innovate to compete with speedy online lenders
With more and more entrepreneurs turning to quick, online lending options, could mission-focused lenders, such as CDFIs, use similar technology tools to improve efficiency and capture some of this business activity? From the October 2015 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 11/19/2015 by Minneapolis
Keeping communities informed through the open data movement: A conversation with Otto Doll of the City of Minneapolis
Otto Doll, the chief information officer for Minneapolis, shares his insights about making a municipality's administrative data available to the public. From the October 2015 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 11/19/2015 by Minneapolis
Community Development Data Inventory
Published by the Philadelphia Fed, the Community Development Data Inventory describes timely and publicly available data sources to help inform the work of those involved in community development research or practice. This November 2015 release contains updated information and an expanded number in the inventory, from 16 resources to 24. The resources are described in easy-to-read, two-page summaries organized by topic, including Economy/Employment, Household Financial Stability, Housing/Homelessness, and Data/Mapping Platforms.
posted 11/10/2015 by Philadelphia
Community Connections (November 2015 Issue)
The Kansas City Fed's November 2015 Community Connections provides insights into borrower activity and looks at the future role of CDFIs. The issue also explores the relationship between community development and health, and examines creative approaches to workforce development and entrepreneurship.
posted 11/05/2015 by Kansas City
Community Banking in the 21st Century
Missed the live webcast? Presentation slides and videos are now available from "Community Banking in the 21st Century," the third annual community banking research and policy conference, hosted by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS). Also available from the conference is a report that details conditions facing today's community bankers. Speakers and moderators of the event, held in St. Louis Sept. 30 - Oct. 1, 2015, included: Fed Chair Janet Yellen; Fed Governor Lael Brainard; St. Louis Fed President James Bullard; CSBS Chairman/Massachusetts Commissioner of Banks David Cotney; CSBS President and CEO John Ryan; and Houston Astros President of Business Operations Reid Ryan, founding investor and board member, R Bank and R Corp Financial, Round Rock, Texas.
posted 10/30/2015 by Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas, San Francisco, Board of Governors
Weathering the Great Recession: A CDFI Case Study in Patient Capital
This working paper from the San Francisco Fed looks at the lending performance of one CDFI, the Low Income Investment Fund (LIIF), through the Great Recession. Its authors argue that LIIF's success weathering the downturn—relative to similarly-sized banks—is the direct result of a "patient capital" approach to portfolio management unique to the CDFI industry.
posted 10/05/2015 by San Francisco
Investing Beyond Individual Health
This article from the Cleveland Fed's policy publication Forefront looks at why the community development and health sectors are increasingly working together to promote healthy individuals and healthy communities. The article also covers highlights from an October 2014 convening by the Cleveland Fed of health policy and community development officials from across Ohio to discuss building healthier communities in the state.
posted 09/10/2015 by Cleveland
Do Bank Branches Matter Anymore?
The US has used the Community Reinvestment Act (CRA) to encourage banks to keep their branches open in low- and moderate-income areas. Does access to physical branches matter? Findings in a Cleveland Fed Economic Commentary suggest that a physical presence gives banks the opportunity to get to know distressed areas better and channel resources to people who have demonstrated an ability to manage them. While the research shows the benefits that come from creditworthy borrowers in declining low-income areas being in close physical proximity to a bank branch, the public policy challenge is to identify how to get those benefits when private markets alone do not provide them.
posted 09/10/2015 by Cleveland
CRA Lending in the 4th District
Following the housing bust, the Community Reinvestment Act (CRA) came under scrutiny as one of the suspected contributors to the current financial crisis. However, a Cleveland Fed researcher found that CRA-regulated institutions provided a relatively small share of all loans within the Fourth Federal Reserve District—comprising Ohio, western Pennsylvania, eastern Kentucky, and the panhandle of West Virginia—and and an even smaller percentage of the riskier high-cost loans.
posted 09/10/2015 by Cleveland
CRA: Geographies and Strategies in the Southeast
The Community Reinvestment Act helps drive significant investments into low- and middle-income communities, but not all communities benefit equally. This July/August 2015 Partners Update article by the Atlanta Fed's Will Lambe and Jessica Farr discusses where banks are motivated to act and provides a mapping tool to illustrate where particular banks engage in community development.
posted 08/27/2015 by Atlanta
Pathways to System Change: The Design of Multisite, Cross-Sector Initiatives
Over the past few years, there has been significant growth in the number of multi-site, cross-sector initiatives to improve communities and the lives of their residents. This working paper from the San Francisco Fed details "what works" and "pitfalls" in its analysis of both past and current initiatives. The paper also provides insights into the design and implementation of place-based efforts for community development practitioners, financial institutions, healthcare payers and others involved in site-specific initiatives.
posted 08/10/2015 by San Francisco
Leveraging the Power of Place: Using Pay for Success to Support Housing Mobility
Families who use housing vouchers to move from areas of concentrated poverty to better-resourced neighborhoods experience higher earnings and improved health. Housing mobility programs increase the effectiveness of housing vouchers by providing education and support. This San Francisco Fed working paper proposes using a Pay for Success financing mechanism to increase investment in housing mobility programs based on the hypothesis that healthcare savings stemming from a positive mobility outcome—specifically related to diabetes and obesity— are sufficient to pay the entire cost of the mobility program.
posted 08/10/2015 by San Francisco
View from the Field: Does Community and Economic Development Face Technical or Process Challenges?
The process of and approach to community development might be as important as the technical solutions. A Partners Update article from July/August 2015 highlights two recent conferences that discussed this theme and addressed the need to create new approaches.
posted 07/31/2015 by Atlanta
Searching for More Impact: Impact Data on Banks for the Big Picture
This article profiles "BankImpact," a dynamic online tool that helps identify high-impact banks in Chicago that serve as anchors in underserved communities. Created by National Community Investment Fund (NCIF), BankImpact can help provide the data necessary to inform and attract impact investors and help banks better understand and contextualize their (own) performance.
posted 06/29/2015 by Chicago
Economic Dynamism in Small Cities (Part 2): Migration, Commuting, New Firm Creation, and Population Density in Small Cities
The factors that contribute to economic dynamism in a small city can be elusive to define and measure. This May/June 2015 Partners Update article by the Atlanta Fed's Will Lambe looks at some elements of small city economic dynamism that may contribute to growth and development.
posted 06/25/2015 by Atlanta
Community Development Data Inventory
Recently updated, the Community Development Data Inventory is a collection of timely and publicly available data sources for those engaged in community development work. This tool highlights resources that can inform key community development issues and research needs, including demographics, the economy and jobs, housing, and education. For each resource, the guide includes an overview of the data, a description of the methodology and accompanying variables, links to training guides and additional information, and a few illustrations of the resources themselves.
posted 06/25/2015 by Philadelphia
St. Louis Fed 2014 Community Development Outlook Survey
The St. Louis Fed's annual Community Development Outlook Survey gathers input from a variety of stakeholders regarding the economic conditions of low- and moderate-income (LMI) households and communities in the seven states that make up the Fed's Eighth District. Data from the survey is used to inform strategic planning, community and economic development, and public policy dialogue around issues and challenges for the District's LMI areas.
posted 05/21/2015 by St. Louis
Economic Dynamism in Small Cities
Many small cities are growing at faster rates than has occurred in decades. This March/April 2015 Partners Update article by the Atlanta Fed's Will Lambe examines factors that contribute to economically vital small cities.
posted 05/04/2015 by Atlanta
Community Development Financial Institutions: Providing Capital for Revitalization
As the country continues to rebound from the recession, community development financial institutions (CDFIs) are working to meet the needs of communities that slipped through the cracks during this turbulent period or that had few safety nets even before the recession. This March/April 2015 Partners Update article, authored by Atlanta Fed visiting scholar Donna Gambrell, discusses CDFIs doing business in the Southeast. These lenders provide capital for affordable housing, small businesses, schools, health centers, and manufacturing facilities.
posted 03/31/2015 by Atlanta
Health and Community Development: Some Perspectives and Resources
In terms of health, the Southeast tends to trail behind other parts of the country, though efforts are under way to address these persistent challenges. In this Partners Update article, the Atlanta Fed's Karen Leone de Nie and Will Lambe look at resources generated in our region and by our Fed colleagues connecting health and community development.
posted 03/16/2015 by Atlanta
Strategies for Maximizing the Potential of Great Lakes Ports for Regional Growth
This article provides a recap of the Great Lakes Ports and Regional Growth: Integrating Environmental Health and Economic Prosperity conference, co-sponsored by the Federal Reserve Bank of Chicago, the state of Illinois, the Great Lakes Commission, the National Oceanic and Atmospheric Administration and the Council of Great Lakes Governors. The conference explored new approaches to promoting economic development and maximizing local maritime assets, while protecting and enhancing the Great Lakes water resource.
posted 03/11/2015 by Chicago
Exploring the Correlations between Health and Community Socioeconomic Status in Chicago
Research demonstrates that where you live, and the socioeconomic conditions present in that place, determine individual-level health outcomes. Using community level data available through the City of Chicago Data Portal, as well as aggregated census tract level economic data compiled by the Federal Reserve Bank of Chicago, this article explores community-level socioeconomic status conditions and corresponding health outcomes in Chicago's 77 communities.
posted 03/11/2015 by Chicago
Growth and Performance of the Native CDFI Loan Fund Sector, 2001–2012
This new Community Development Report from the Minneapolis Fed suggests that loan funds serving Native communities grew significantly in number and asset size from 2001 through 2012 and have generally posted fairly positive financial ratios.
posted 02/09/2015 by Minneapolis
Blog Further Explores the EB-5 Immigrant Investor Program
The EB-5 program was designed to attract foreign investment into economically distressed communities, but is it achieving that goal? A second blog post by the Atlanta Fed's Will Lambe discusses some southeastern projects and raises several issues for community and economic developers to consider.
posted 01/20/2015 by Atlanta
5th District Footprint: Changes in the Rural-Urban Composition of the Fifth District
Is your county one of the 68 counties in the Fifth Federal Reserve District that have become more urban since 2003? Or is it one of only 22 that have become more rural? Find out in this issue of 5th District Footprint, which takes a look at changes along the rural-urban continuum in the Fifth District between 2003 and 2013.
posted 12/30/2014 by Richmond
Community Pulse (Fall 2014)
Twice each year, the Richmond Fed surveys experts representing the numerous, highly diverse communities in the Fifth Federal Reserve District to identify the most pressing current and emerging issues. This edition of Community Pulse presents findings from the Fall 2014 survey, reflecting a broad cross-section of community perspectives from across Maryland, North Carolina, South Carolina, Virginia, West Virginia and the District of Columbia.
posted 12/30/2014 by Richmond
Understanding Community Development Needs through the CRA Performance Context
Community development efforts to revitalize low- and moderate-income neighborhoods should begin with an appropriate understanding of the needs and opportunities present within these communities. This sentiment is especially true of banks looking to fulfill their Community Reinvestment Act (CRA) obligations. A truly responsive and innovative CRA program should begin with the "performance context," or knowledge about the bank's local markets, including the needs of the community as well as the opportunities that exist within the local network of resources and organizations. This paper from the San Francisco Fed attempts to demystify the performance context and establish its strategic value to the CRA process. It explores new opportunities for strengthening the performance context as a community development tool, from the perspective of both bankers and regulators.
posted 12/08/2014 by San Francisco
What Counts: Harnessing Data for America's Communities
With 90 percent of the world's data generated in just the past two years, What Counts: Harnessing Data for America's Communities challenges policymakers, funders, and practitioners across sectors to seize this new opportunity to revolutionize our approaches to improve lives in low-income communities. This book from the Federal Reserve Bank of San Francisco and the Urban Institute provides a roadmap for the strategic use of data to reduce poverty, improve health, expand access to quality education, increase employment, and build stronger and more resilient communities. Videos from the launch event on December 4, 2014, are available on the San Francisco Fed's Community Development YouTube channel.
posted 12/04/2014 by San Francisco
Blog Explores the EB-5 Immigrant Investor Program
Community and economic developers are always looking for new ways to help revitalize economically distressed communities. In a blog post, the Atlanta Fed's Will Lambe looks at one rather novel program that could help: the Immigrant Investor Program, or EB 5.
posted 11/12/2014 by Atlanta
Community Development Data Guidebook
The Community Development Data Guidebook, published by the San Francisco Fed, provides information on a variety of community development data resources, divided by topic area, along with a practical application of how to retrieve the data and suggestions on how to conduct appropriate analysis.
posted 10/31/2014 by San Francisco
The Unemployed in the Fifth District
The unemployment rate has dropped faster than expected since the end of the Great Recession, but it is still higher than normal. Who are the unemployed? How does today's unemployment rate compare with historical highs and lows? Find out the answer to these questions and more in the latest issue of 5th District Spotlight, an engaging infographic of unemployment-related statistics in the Fifth Federal Reserve District.
posted 09/29/2014 by Richmond
Long-term Cost Effectiveness of Placing Homeless Seniors in Permanent Supportive Housing
Published by the San Francisco Fed, this paper demonstrates that the greatest reduction in health care costs after placement in supportive housing is seen among chronically homeless adults and seniors who are frequent users of the health care system. The findings support the conclusion that permanent supportive housing can be a highly cost-effective placement option for homeless seniors exiting skilled nursing facilities, particularly as they approach the end of life, and points to the importance of this housing option for managed care organizations that are increasingly taking on the financial responsibility for the health care of this population.
posted 08/05/2014 by San Francisco
5th District Footprint: NMTC Investment in the Fifth District
How are New Markets Tax Credits (NMTCs) being used in your area? Which city received the largest amount of NMTC investment? Find out in the July 2014 issue of 5th District Footprint, which offers a brief look at NMTC investment across the Fifth Federal Reserve District.
posted 07/28/2014 by Richmond
Federal Reserve Community Development Perspectives
Ever wonder about the Federal Reserve's involvement in the field of community development? Wonder no more. Released in June 2014, Federal Reserve Community Development Perspectives: A summary of activities, insights, and future opportunities answers the "what," "why" and "how" of the Fed's role in community development. The report highlights the Fed's recent efforts to address barriers to economic growth, and promote fair and informed access to financial markets. Featuring brief summaries of its community development work organized into four focus areas--people, place, the policy and practice of community development, and small business--the report includes background information that helps to provide context for this work, a sampling of key research, outreach programs and other initiatives, as well as some ideas on future challenges, needs and opportunities.
posted 07/23/2014 by Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas, San Francisco, Board of Governors
Does the CDFI Fund Help Low-Income Borrowers?
What is the impact of the CDFI Fund on institutions that receive funding, and what is the return on investment? In this Economic Commentary, Cleveland Fed economist Kristle Cortés and Harvard Business School professor Josh Lerner evaluate the Fund's core program. Examining 10 years of propriety data provided by the US Treasury, they measured the increase in lending at credit unions that received grants, those that applied but did not receive grants, and those that never applied. Their results show that CDFI Fund grants do increase lending, by 3 percent. And for every dollar awarded, 45 cents is loaned out to borrowers in the first year and up to $1.60 is loaned out within three years.
posted 07/15/2014 by Cleveland
Bridges — Spring 2014
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Spring 2014 issue include: Local Innovation, National Impact: Engaging Municipal Government in Financial Empowerment; Enrollment, Student Debt and LMI Communities; We've Met the Solution, and It Is Us; West Tennessee Day Trippin': Rural Tourism Campaign Builds Regional Partnerships for Community and Economic Development; From the Ozarks to the Delta: A Historical Perspective of Regional Poverty in Arkansas; and more.
posted 07/01/2014 by St. Louis
Minnesota CDFI Network Concept Paper
This May 2013 paper by the Minneapolis Fed and partners is a discussion of the context and potential benefits of forming a statewide CDFI network in Minnesota. Featuring comments from Minnesota CDFI practitioners, recommendations for next steps, and information about established national and state-level CDFI networks.
posted 05/27/2014 by Minneapolis
Community Investments: An Integrated Approach to Community Development
This special issue of Community Investments from the San Francisco Fed highlights excerpts from Investing in What Works for America's Communities: Essays on People, Place & Purpose, with a particular focus on the topic of integration, a prominent theme that emerges from the book.
posted 05/23/2014 by San Francisco
Vantage Point: The 12th District Community Indicators Project
Launched in 2011 by the San Francisco Fed, this project collects input from community stakeholders about the issues and trends facing low- and moderate-income communities in the 12th District. Reports synthesize key themes that emerge from the surveys.
posted 05/20/2014 by San Francisco
Financial and Operational Ratios and Trends of Community Health Centers
This report published by the San Francisco Fed provides an operational and financial overview of the community health center industry for the years 2008 – 2011. Prepared with the goal of increasing the information available to lenders and investors on community health centers nationwide, this document is the second of a series of studies supported by Citi Foundation, which will further illuminate the financial and operational trends of this group of organizations.
posted 05/20/2014 by San Francisco
Comparative Advantages: Creating Synergy in Community Development
This paper published by the San Francisco Fed provides insights and tools to help community development practitioners, policymakers, funders, and other stakeholders better understand how to maximize the effectiveness and impact of different types of organizations at the local and regional level. Understanding your comparative advantages is critical to addressing complex community development initiatives from foreclosure prevention, to sustainable energy, to urban education, to job creation.
posted 05/15/2014 by San Francisco
The New Family Philanthropy: Investing for Social and Environmental Change
The impact investing marketplace is gaining traction—investment vehicles now span asset classes, infrastructural improvements are enhancing transparency and investor confidence, and social enterprise is maturing with a new generation of entrepreneurs. This paper published by the San Francisco Fed focuses on family investing through family offices and foundations and the factors that families and advisors consider when deciding whether or not to invest for impact.
posted 05/15/2014 by San Francisco
Lessons on Cross-Sector Community Development: The Las Vegas Healthy Communities Coalition
The Federal Reserve Bank of San Francisco, in partnership with the Robert Wood Johnson Foundation, launched the "Healthy Communities" initiative in 2010 to explore how the health and community development sectors can collaborate. A regional meeting took place in Las Vegas in January 2012, which led to the formation of the Las Vegas Healthy Communities Coalition (LVHCC), a collective impact initiative with a mission to "foster collaboration and coordination across multiple sectors and stakeholders, to generate healthy outcomes for all Southern Nevadans." This report, authored by Laura Choi, details the formation and progress of LVHCC, which is still in the early stages of development.
posted 05/15/2014 by San Francisco
Community Investments - Collective Action for Community Development
This issue of the San Francisco Fed's Community Investments explores the emerging approach of collaborative community development and lifts up early learnings from pioneers in the field. The articles discuss how to establish and grow collective action leadership organizations and working groups and build a strong but flexible initiative framework; consider how government can be an effective partner in collective action work; and convey the critical role of data and measurement in these initiatives.
posted 05/14/2014 by San Francisco
A Banker's Quick Reference Guide to CRA
The Dallas Fed provides a quick reference guide to the Community Reinvestment Act regulation and examination procedures.
posted 05/12/2014 by Dallas
Community Development Investment Review: Pay for Success Financing
This issue of the San Francisco Fed's CDIR focuses on Pay for Success financing, its origins, models, potential implications, exciting potential and possible pitfalls. Pay for Success is a tantalizing idea, but it also raises important questions.
posted 05/08/2014 by San Francisco
Community Development Investment Review: Advancing Social Impact Investments through Measurement
This issue of the San Francisco Fed's CDIR includes the proceedings of the "Advancing Social Impact Investments through Measurement" conference held at the Federal Reserve Board of Governors in 2011. The issue also includes a series of thoughtful essays written by conference attendees in response to what they heard at the convening.
posted 05/08/2014 by San Francisco
Community Development Investment Review: International Community Development
This issue of the San Francisco Fed's CDIR is dedicated to a simple idea: innovative ideas to solve poverty should not stop at the national border. There are too many good ideas abroad that can help inform our practices domestically, and good ideas here that can be relevant to other countries.
posted 05/08/2014 by San Francisco
Community Development Investment Review: Building Scale in Community Impact Investing through Nonfinancial Performance Measurement
In the community development finance and impact investing worlds, there is both universal agreement on the need for better social outcome measurements and no consensus on how to do it. In this issue of CDIR, the San Francisco Fed offers ideas on how we might contribute to an ongoing process to establish a tool—or many tools—that help us measure the social benefit of impact and community investing.
posted 05/08/2014 by San Francisco
Community Development Investment Review: Health and Community Development
In this issue of the CDIR, the San Francisco Fed explores the intersection of community development and health. Specifically, authors offer varying perspectives on how to "bend the health cost curve" using innovative community development strategies and how to positively affect social determinants of health to generate better health outcomes for low-income people.
posted 05/08/2014 by San Francisco
The Effect of the Community Reinvestment Act on Consumers' Contact with Formal Credit Markets
Can credit data tell us anything about the Community Reinvestment Act's impact on individuals? Examining data on consumer credit outcomes from 2004 to 2012, researchers at the Boston Fed show that individuals in low- to moderate-income CRA-eligible neighborhoods have more contact with formal credit markets than those in very similar neighborhoods that do not qualify for CRA credit.
posted 05/07/2014 by Boston
CDFIs Emerge as Key Partners in Improving Community Health
Community development financial institutions often play a critical role in financing the infrastructure that makes good health possible. From the April 2014 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 05/06/2014 by Minneapolis
Mass CDFI Recertification Push Winnows List, Ensures Compliance
A 2013 mandate from the U.S. Treasury resulted in a reduced but focused pool of community development financial institutions. From the April 2014 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 05/05/2014 by Minneapolis
With Bank Support, Arts Organizations Help Build Better Communities
Investments in local arts and culture can create social, human, and economic capital. From the April 2014 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 05/05/2014 by Minneapolis
Community Pulse (Spring 2014)
This issue of Community Pulse presents the results of the Federal Reserve Bank of Richmond's spring 2014 survey of most pressing current and emerging issues of its numerous and highly diverse communities. Access to affordable housing, availability of jobs locally and improving the quality of K-12 education were the top three current issues in the Fifth District.
posted 05/02/2014 by Richmond
Is Home Maintenance Contagious? Evidence from Boston
In disadvantaged neighborhoods, the condition of the housing stock can vary from block to block. On one block, homes appear well kept and in good condition, while on another, many homes show signs of physical distress. Since the blocks within the same neighborhood are often similar in terms of home values, what accounts for this pattern? And is there any contagion effect of home maintenance? Researchers at the Boston Fed examine this issue in several Boston neighborhoods in this report.
posted 04/30/2014 by Boston
Federal Reserve Bank of Boston Gallery Exhibit
A physical and online exhibit, "What Does the Fed Do? 100 Years Serving as the Nation's Central Bank" provides, among other unique features, an intriguing brochure on Fed history, the original painting of President Woodrow Wilson signing the Federal Reserve Act and a giant freestanding map of all the Federal Reserve districts made from shredded money. Check it out online, or in person at the Boston Fed.
posted 04/30/2014 by Boston
Using Credit Reporting Agency Data to Assess the Link between the Community Reinvestment Act and Consumer Credit Outcomes
Can CRA have a positive impact at the individual level? To investigate the effect of the Community Reinvestment Act on consumer credit outcomes, researchers at the Boston Fed examined data for 2004 to 2012. While they found no statistically significant effects of the CRA on mortgages or foreclosures, either before or after the financial crisis, they did find evidence that CRA expanded broad measures of credit market activity.
posted 04/30/2014 by Boston
Community Development Bank Peer Group Analysis, 2005-2012 Data Report
The Federal Reserve Bank of Richmond's Community Development Bank (CDB) Peer Group Analysis provides descriptive statistics on a peer group of community development banks that are tracked over time. The peer group of CDBs consists of banks that were in existence from the start date of the analysis and continue to be in existence as of the end date. The latest report incorporates data from 2005 to 2012.
posted 04/25/2014 by Richmond
CDFI Resources
Community Development Financial Institutions (CDFIs) are specialized financial institutions operating in markets that are underserved by traditional financial institutions. This section of the Federal Reserve Bank of Richmond's website provides information on CDFIs, with a particular focus on the Southeast region of the U.S. In addition, it includes a dedicated section on CDFI banks, also known as Community Development Banks (CDBs). Resources include webinars, data tables, reports, regulations, etc.
posted 04/25/2014 by Richmond
Bridges — Winter 2013-2014
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials. Feature articles in the Winter 2013-14 issue include: Family Scholar House: Educational Program Breaks Cycle of Poverty for Single Parents in Louisville; Health Around the Corner; Insight Park: Visioning for the Future of Oxford and Ole Miss; Anchor Institutions in the Mississippi Delta; Charter School Anchors St. Louis Neighborhood Revitalization; and more.
posted 04/21/2014 by St. Louis
Converging Visions of Public Health and Community Development
This article provides a recap of a summit convened to explore the shared goals and visions of the community development and public health fields; and where new opportunities exist for collaboration. The summit was hosted by the Community Development and Policy Studies (CDPS) division of the Federal Reserve Bank of Chicago, in partnership with the Illinois Public Health Institute, and the Adler School of Professional Psychology.
posted 04/21/2014 by Chicago
Ninth District Insight Report, 4th Quarter 2013
This 4th Quarter 2013 report of findings from the Minneapolis Fed's semiannual Ninth District Insight survey shows overall improvement in some business and employment indicators, but overall deterioration of conditions in other areas. The survey captures front-line observations about issues that affect the economic health of low- and moderate-income communities.
posted 04/16/2014 by Minneapolis
Social Ties, Space, and Resilience: Literature Review of Community Resilience to Disasters and Constituent Social and Built Environment Factors
Given the importance of resilience in promoting an effective recovery from severe natural disasters, the factors that contribute to such community resilience are of great interest to scholars and practitioners. The value of strong social networks in resilience is among the most oft-repeated lessons learned in recent scholarship. In this paper, Atlanta Fed research analyst Ann Carpenter examines the intersection of three connected threads in the literature to understand one particular aspect of resilience: how the built environment contributes to greater resilience by supporting and encouraging strong social networks.
posted 04/09/2014 by Atlanta
Healthy Communities: A Framework for Meeting CRA Obligations
The Dallas Fed provides this roadmap of best practices in community development and a healthy communities framework that highlights investments valuable to financial institutions and their target communities. Also included is a list of CRA reference guides and a useful template for a Bank's performance context.
posted 04/07/2014 by Dallas
UNITY Coalition Tackles Homelessness in New Orleans
Despite limited resources, UNITY of Greater New Orleans, a coalition of 60-plus local agencies, permanently housed over 500 chronically homeless people last year. Learn how the coalition achieved that success in a case study highlighting best practices in the Southeast.
posted 04/04/2014 by Atlanta
United Way Center for Financial Stability Advances Financial Coaching
This Atlanta Fed case study highlights the innovative work done by the United Way Center for Financial Stability to leverage partnerships that provide low- and moderate-income individuals in South Florida with personalized financial coaching, credit counseling, tax preparation and other services.
posted 04/04/2014 by Atlanta
Ninth District Insight Report, 2nd Quarter 2013
Ninth District Insight is the Minneapolis Fed's semiannual survey to capture front-line observations about issues that affect the economic health of low- and moderate-income communities. This 2nd Quarter 2013 report is based on responses from 381 community organizations, including lenders, developers, and service providers.
posted 03/19/2014 by Minneapolis
Bridges — Fall 2013
Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials. Feature articles in the Fall 2013 issue include: Increasing Density: A Small-Town Approach to New Urbanism; Women Helping Women: Healing Hearts Bank at Redevelopment Opportunities for Women; The Graying of America: Preparing for What Comes Next and more.
posted 03/18/2014 by St. Louis
Healthy Communities Resource Center
Visit this resource to find information on Healthy Communities -- the intersection of community development and health -- including publications, presentations, podcasts, videos and web resources.
posted 03/07/2014 by Dallas
Farm to School Movement Connects Kids and Healthy Foods
A growing movement to stock school kitchens with foods from local and regional farms and businesses is teaching kids the connection between nutritious foods and good health. From the January 2014 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 03/03/2014 by Minneapolis
Social Impact Bonds Offer Promise of Savings, Profits and Positive Outcomes
A performance-based social investment tool being piloted in some communities offers a new model for delivering social services. From the July 2013 issue of Community Dividend, a publication of the Minneapolis Fed.
posted 02/21/2014 by Minneapolis
Community Outlook Survey
The Federal Reserve Bank of Philadelphia's Community Outlook Survey monitors the economic factors affecting low- and moderate-income (LMI) households in the Third Federal Reserve District. A report summarizing the most recent survey as well as an archive of prior surveys are available on our website.
posted 02/19/2014 by Philadelphia
Communities & Banking magazine, Spring 2013
This Spring 2013 issue of the quarterly publication by the Boston Fed features research and best practices for CBOs, policymakers, financial institutions. and others; articles include Latino Dairy Workers in Vermont; Access to Affordable Food in New Hampshire; Beginning Farmers and Local Food Systems; Closing the Academic Divide through Debate; Giving a Decommissioned Military Base New Life; The Urban Forest; Great Recession and Confidence in Homeownership.
posted 02/17/2014 by Boston
Ninth District Insight Report, 4th Quarter 2012
Ninth District Insight is the Minneapolis Fed's semiannual survey to capture front-line observations about issues that affect the economic health of low- and moderate-income communities. This 4th Quarter 2012 report is based on responses from 381 community organizations, including lenders, developers, and service providers.
posted 02/12/2014 by Minneapolis
Cascade (Fall 2013)
This issue of the Philadelphia Fed's Cascade spotlights the Community Development Financial Institution (CDFI) industry and the products and programs implemented by CDFIs and their funding sources. Also featured is Mark Pinsky, Opportunity Finance Network president and CEO, who provides perspective on the CDFI recertification process.
posted 12/31/2013 by Philadelphia
Communities & Banking (Winter 2014)
This quarterly publication from the Boston Fed is geared for lenders and community development practitioners and focuses on the economic concerns of low- and moderate-income constituencies and those who serve them. The feature article in this issue is on the topic of universal preschool.
posted 12/31/2013 by Boston
Community Pulse (Fall 2013)
This issue of Community Pulse presents the results of the Federal Reserve Bank of Richmond's fall 2013 survey of most pressing current and emerging issues of its numerous and highly diverse communities. Availability of jobs locally, affordable housing and budgetary issues at the state or local government level were the top three current issues in the Fifth District.
posted 12/30/2013 by Richmond


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There are two options of assessment for all Animal Magic diploma courses that include an on-site training element. This assessment does not apply for fully Learn @ Home courses.
Portfolio Assessment
The student is required to complete the mandatory case studies and complete their portfolio at home, after completing any practitioner diploma course. You have 30 months to complete this portfolio (and submit your portfolio before this deadline and in-line with marking dates) from the date of course purchase.
Practical Intensive Assessment (P.I.A)
With this assessment method there are no post training case studies or portfolio to complete, only the Applied Learning sections. For a P.I.A you should book a date for Niki to assess you on a 1-1 basis on-site over approximately 4 hours. If you pass you will be awarded professional practitioner certification within 21 days of the date of attendance. You will be told if you have achieved a successful pass on the day. If there are areas on which Niki feels need improving, you will have the opportunity to go over this again during the session. You will need to bring your own friendly animal to work with.
P.I.A Fees:
Monday to Thursday 3.00pm – 7.00pm – £331
Friday – 3.00pm – 7.00pm – £386
Sunday 9.00am – 1.00pm – £469
Additional P.I.A Information:
- Your P.I.A can be booked on a weekday. 4.00pm until 7.00pm – dependent upon availability.
- Your P.I.A can be booked on a Sunday from 9.00am until 1.00pm – dependent on availability.
- Your P.I.A must be attended within 24 months of purchasing a course.
- All P.I.A's take place in Norfolk, NR9.
- The P.I.A must be paid for in full at the time of booking & no refunds are given under any circumstances if you cancel an arranged date.
- P.I.A sessions may be recorded and photographes in line with training standards.

subset: commoncrawl


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With her friends borrowed, brazen faux fur and her own unbridled Tarzan locks, the Swedish rebel musician Elliphant claims to be a citizen of the world. The daughter of a punk from southern Stockholm who loves Frank Sinatra , Elliphant has a no-holds-barred perspective on everything -- from the boring predictability of trying to hard with one's style (especially on fashion shoots) to the importance of not hiding your emotional shit under the rug." It was her mom's honesty with her own drug addiction that spawned Elliphant's female libertine code of beats and lyric. As Elliphant declares, "If I don't express myself constantly, I get physically sick."
Sporting a slanted cap and a drawstring backpack, the arousing singer turns the laid-back look into couture. "Today, you write an 'A' on your jacket and you think you're an anarchist," observes Elliphant. "Fashion used to be a weapon for the young people to provoke change. What people need to do now is wipe their makeup off." Like us, Elliphant is all about revealing the beautiful, messy underbelly of our 21st-century Prozac nation. According to the nomad, the happiest person that she ever met was a woman with MS. Though she was so sick that she could only communicate with a computer, the woman, like the foundation of Elliphant's music, recognizes the gold that comes from getting dirty with adversity.
Elisa & Lily
Shot and interviewed by Elisa & Lily
Video edited by Daniel Duran
Elliphant's EP, Look Like You Love It, comes out April 1st
Her upcoming tour dates include:
4/10: Grasslands, Brooklyn
4/18: Echo, LA
For more information on Elliphant's tour and EP, visit her website


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Summer school
4th September 2017
If school isn't the most obvious destination during the school holidays, we made sure LPW Independent School learners weren't at a loose end during the holiday break.
For those needing something to do, teaching and support staff delivered a variety of activities that were definitely not about lessons.
Every Wednesday during the holiday, groups of learners were out swimming, cooking and eating a three-course lunch, visiting Weston-Super-Mare and @Bristol, or enjoying a boat ride around Bristol's harbour.


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H1N1 VaccineOctober 17th, 2009 by Potato
The Daily Show (an often surprisingly level-headed source of news and commentary) had a little bit on the H1N1 vaccine last night which I recommend you give a quick watch (available online for Canadians at http://watch.thecomedynetwork.ca/the-daily-show-with-jon-stewart/full-episodes/the-daily-show-with-jon-stewart—october-15-2009/#clip223053 — Americans can watch Hulu, the bastards).
This reminded me of a question one of my cousins asked recently about the vaccine: what's an adjuvant, "'cause I'm not able to find much positive about it."
Indeed, if you just search the internet for information about the health effects of the various adjuvants used in vaccines, it looks like pretty scary stuff. That's because an adjuvant is designed to trigger an immune response; to make your body's immune system go into over-drive so that it will recognize the viral matter in the vaccine and produce antibodies against it. The risks include getting a fever or other flu-like symptoms, an allergic reaction, or even a very remote risk of developing certain autoimmune disorders like rheumatoid arthritis. If you just read up on the adjuvant alone, it sounds like something you'd never want to have in your body — but it's only a small amount, and it's necessary to make the vaccine effective (esp. in a single dose so you don't have to keep going back for booster shots, which might work for hepatitis or tetanus vaccines, but doesn't fly in the face of a potential pandemic).
"So if I don't want those risks, don't take the vaccines."
Ah, well, there's the tricky part. The risks are remote (aside from the mild cases of feeling unwell or having an acute allergic reaction), and the benefit is that you don't get the virus you're vaccinating against, or carry it to pass on to other people (such as seniors or those with compromised immune systems). On an individual level it can be a tricky mental calculation: on the one hand, psychologically it's less desirable to subject yourself to something with risk before you have to, especially since it's unknown and kinda scary. Whereas hey, you've had the flu before, how bad could it possibly be? Plus you can take steps to prevent yourself from getting the flu, such as wearing a space suit, or never leaving your basement, but once that shot is in your deltoid, that's it cowboy, enjoy the ride. These psychological factors can really skew the perception of risk from the actual risks. It doesn't help either that it's new so there isn't the years of testing that other vaccines have, or that there are people out there spreading the conspiracy theories that the government has put mind-control drugs in the vaccine (what, you think if they had those they wouldn't have put it in your MMR vaccine as a kid??).
Of course, from a societal stand-point it's a no-brainer for virtually every vaccine, including the one for the flu: society is better off when a large part of the population opts to be vaccinated. Even on the individual level the actual risk arithmetic (as opposed to the perceived risk) is also usually soundly in favour of getting vaccinated.
Update: LOL, Ben actually beat me to it with a post on the swine flu vaccine. He takes the opposite POV :)
5 Responses to "H1N1 Vaccine"
Ben Says:
October 23rd, 2009 at 11:28 pm
I don't think I'll risk it…
Ben Says:
October 23rd, 2009 at 11:29 pm
Maybe this will work…
Potato Says:
October 24th, 2009 at 2:21 pm
1 in a million for a serious complication like that from a vaccine, vs roughly 1 in 1500 chance of dying from a normal flu season if you get sick (~1/6000 for population as a whole), and presumably higher yet for H1N1. True, it's anyone that gets the vaccine that's at risk of complications, whereas generally just the elderly or immune-compromised are at risk of dying from the flu… So still, the math is a little different from the standpoint of a young healthy person getting the shot (who may be taking on more risk to themselves to prevent risk to others) than from the standpoint of a public health agency (which can do the calculus on a population level and sees the benefit of reducing the spread of an outbreak).
Ian Says:
November 9th, 2009 at 8:53 am
Congratulations, Ben, you're a moron. Who knew doctors should be trusted to deliver medical information over the reporters at Inside Edition?
Potato Says:
November 9th, 2009 at 8:21 pm
Ian, thanks for the link to the Neurologica blog, it's a great read! There's a more recent post on this case, indicating that the girl in question likely had a psychogenic disorder unrelated to the vaccination she received: http://www.theness.com/neurologicablog/?p=1195


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Hello just a short time I have a lot of planned payments. It would be very helpful to have a short sum at the end of the list ☺
Best wishes, Matthias
Exactly! This is a super idea, easy to implement, but with a ton of added user experience. Quick win without a doubt. Would love to see this :)!
Zaka-Flocka-Flame Easy to implement? There is no easy way to just add them together. Some are one time, some are daily, some are weekly, monthly, or even less frequent. Some of my one time payments are scheduled a year from now. How much ahead do you want to add them together? Should the system always look 1 week ahead? Or 1 month? Or should the user choose a time frame? If a periodically payment occurs multiple times in a defined time frame, does it count as 1 payment?
These questions need to be answered before implementing this feature, so I don't think it is that easy.
pbruins84 Very true here. Maybe from now until a specific date set by the user would make the most sense. You could set it to your paycheck date for example and maybe derive something meaningful from that information then.
pbruins84 Yes, it's easy to implement technically.
It can show a timeline of planned costs on a week/month/yr basis that one could switch from and to. Don't make it more complicated than it is ;)
That would definitely be a great addition to the bunq app!
Sounds great this !!
Yes! This sounds great!
Great idea!!
Wow. Sounds amazing
These kinds of small steps will only make Bunq better! I also like to see it again!
Ideal idea!
Fantastisch! Let's do it.
Bunq do this !!!
Hope it'll come in a next update


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Tech Talks
Toronto ACM SIGGRAPH
Tuesday, 25 November 2014 from 7:00 PM to 9:00 PM (EST)
Event Details
We invite you to join us for another installment of our Tech Talks at 7pm on November 25th 2014 in the downstairs of The Monarch Tavern.
We are delighted to once again host SIGGRAPH Dailies. Mark Elendt, Dailies Program Chair for SIGGRAPH 2013 and 2014, will once again join us and present a celebration of excellence in computer graphics. Dailies lets you experience the vibrant production culture behind the finished art. It is a series of very short presentations by artists who tell the story behind the imagery they created. With less than two minutes for each presentation, you'll want to make sure you arrive early for this fun and exiting portion of SIGGRAPH!
We are also excited to introduce James McCrae to our Toronto crowd. A Toronto native, James received his Ph.D. from the Dynamic Graphics Project in the Department of Computer Science at the University of Toronto. A dynamic entrepreneur, James will be presenting two of his current projects:
- flatfab, developed as part of James' Ph.D. work, is a software package that helps you design and fabricate 3D objects. We imagine in 3D but ideate and draw in 2D. flatfab seamlessly does both!
- Having also delved into immersive technologies, James brings us Janus VR: a web browsing platform for converting any HTML page into an immersive experience. Designed for the Oculus Rift, Janus VR can also show enhanced 3D content with specially-crafted HTML code. We dare you to step through this navigation portal!!
Additionally, we will be having our Chapter elections concurrently with this event. We invite you to come out and vote! Our Volunteer Board of Directors is elected and positions are held for 2 years. Please come and cast your ballot, in person, with a piece of ID.
Elections are being hosting for the Vice-President, Treasurer, and a Member-at-Large positions for 2015 – 2017. Find out more about our Chapter candidates.
Tickets for this event are:
- $15 for non-members
- $5 for members (use membership number as your discount code).
- Note yet a member? Purchase your membership and join this event for free!
Join us for an exciting evening of computer graphics, immersive technology, good cheer, and a whole lot of fun with your Toronto ACM SIGGRAPH Chapter!
When & Where
Monarch Tavern
12 Clinton St
Tuesday, 25 November 2014 from 7:00 PM to 9:00 PM (EST)
Add to my calendar
Toronto ACM SIGGRAPH
The Toronto ACM SIGGRAPH Professional Chapter is an organization dedicated to the generation and dissemination of information on computer graphics and interactive techniques in the Greater Toronto Area. We are a membership organization that values passion, integrity, excellence, volunteerism, and cross-disciplinary interaction in all of our activities.
Our Vision: One day, every citizen of the Greater Toronto Area will discover their his/her passion for computer graphics.
Our Mission:
- To draw together, support, and build the local computer graphics community by producing events where professionals and students can experience, discuss, and celebrate interactive techniquesthe wonder of computer graphics.
- To expand the professional networks of our members in the local computer graphics industry
- To produce generate excitement and appreciation for computer graphics in the general public
- To promote ACM SIGGRAPH and the SIGGRAPH conferences
Visit our website and join us!


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This is my diary of my time at the C.R. England Premier Trucking School in Fontana, CA. This first post talks about my first two days. So far, I am very impressed.
C.R. England is very through. The first day they had us show them the paperwork that we were asked to bring with us for the DMV permit test. Some people did not bring the required paperwork. Some of them were staying at the company paid hotel. They were immediately driven back to the hotel and told to check out. I assume those who came in on the bus got a bus ticket home as well.
The first two days of the program was devoted to studying for the DMV permit. They take people to the DMV for testing on the third day. I highly recommend that you use the High Road Training Program to study and get your permit BEFORE you come for training, like I did. It is a lot to learn in two days and many people are struggling. On the positive side, you are only asked to pass tests on air brakes, combos and general knowledge. The DMV in CA will also test you on general knowledge for your Class C license as well, however.
The rest of the time so far has consisted of filling out paperwork for our physical and our agreement to work for C.R. England after training. Despite what I've read, (9 months), we are asked to commit to working for C.R. England for one year after training. That still seems fair to me. Veterans are asked to agree to work for C.R. England for nine months after training.
The instructor said that C.R. England just announced a pay increase for the people in training. He promised to find out what that is. I will post that information as soon as he gets it to us.
The staff is constantly stressing safety. They gave us an open book test on safety and federal regulations from the FMCSA. This was graded. I did fine. We also saw some safety videos
We also saw a video about careers at C.R. England. The video stressed team driving, and becoming a trainer, as the two best ways to make money. I asked the director about solo jobs at C.R. England, which is what I want once I know what I'm doing. He said that there are plenty of solo jobs available. The instructor later brought up some open positions on their company website to show us.
Today we had a physical agility test and our medical exam. The physical agility test consisted of lifting 35 lbs. over our head three times in succession, walking under a trailer (NOT crawling) and getting in and out of the back of a trailer safely. Everyone in my small group passed.
The medical exam is typical. We had a urine test. No hair follicle test, at least not yet. They also took our blood pressure, listened to our heart and gave us an eye test. At least two people were sent home because they failed the eye exam. Based on some conversations that I overheard today in class, I assume we will lose more when the drug test results come back.
I told the doctor yesterday that I had a CPAP machine. I seem to be the only one in our training class who does. The doctor asked me to bring it in today so he could look at it. He is very thorough as well.
They also did some diagnostics for sleep apnea on everybody. They measured our neck and then asked us to rate on a scale of 1 – 5 how likely you'd be to fall asleep doing certain activities such as watching TV, lying down, talking to someone, etc.
Classes run anywhere from 17 to 21 days, depending on how you are doing. We only get one day off during school, this coming Sunday. This first week, classes are from 6:30 am to 3 pm. Next week, classes start at 6 am and go to 3 pm. There is a bus that takes students to and from the company paid hotel. It shows up on time, and doesn't go back to pick up stragglers, so don't be late for the bus!
The instructors expect you to be there on time, as well as to comeback from breaks and lunch on time too. Breaks are 15 minutes, at 9 am and 2 pm. Lunch is an hour, from 11:30 am to 12:30 pm. As the instructor said when he stressed the importance of being on time, "How can we expect you to be on time for work and deliveries if you can't be on time for school?"
So far, the instructors have shown that they are more than willing to help you, provided that you show the effort and initiative. We were advised, as they advise us here on TruckingTruth.com, to treat this entire training process as a job interview.
They have a zero tolerance policy for alcohol, drugs and harassment. The staff at the company paid hotel is instructed to call the school if they find evidence of drugs or alcohol in your room. You will be kicked out of the program if found to engage in any bad behavior.
The only negative thing that I have come across so far has to do with my name. I go by my middle name, Colin, and not my first name. My family doesn't even call me by my first name.
I had asked my recruiter if I could go by Colin, and not my first name, at C.R. England. She said yes. I brought this up privately to the instructor while we were going over my paperwork. He said no, I need to go by my first name. "It's what it says on your birth certificate," he said. I started to say that Colin is also on my birth certificate, but I bit my tongue. I decided to let it go for now but will bring it up in a polite and professional manner once I complete my training.
I hope that you find this diary helpful. I'm happy to answer any questions that you have, so please fire away!
Best Regards, Colin
The CSA is a Federal Motor Carrier Safety Administration (FMCSA) initiative to improve large truck and bus safety and ultimately reduce crashes, injuries, and fatalities that are related to commercial motor vehicle
The FMCSA was established within the Department of Transportation on January 1, 2000. Their primary mission is to prevent commercial motor vehicle-related fatalities and injuries.
What Does The FMCSA Do?
A physical disorder in which you have pauses in your breathing, or take shallow breaths, during sleep. These pauses can last anywhere from a few seconds to a few minutes. Normal breathing will usually resume, sometimes with a loud choking sound or snort.
In obstructive sleep apnea, your airways become blocked or collapse during sleep, causing the pauses and shallow breathing.
It is a chronic condition that will require ongoing management. It affects about 18 million people in the U.S.
CPAP is a breathing assist device which is worn over the mouth or nose. It provides nighttime relief for individuals who suffer from Sleep Apnea.
The state agency that handles everything related to your driver's licences, including testing, issuance, transfers, and revocation.
Best of luck to you, Colin. I, along with many others I'm sure, will be following along. You'll do well, I just know it!
Operating While Intoxicated
Good luck Colin. I'll be following your progress as well.
Operating While Intoxicated
This is my update for Day 3 and Day 4 of my training with C.R. England. So far, things are going very well.
Yesterday was the day that most people in the class went to the DMV to take the tests for their permit. Those of us who already had our permit were given an advance copy of the study guide for the Air Brake Test, In-Cab Inspection and the Pre-Trip Inspection. We were then given the option of leaving early, which most did. One student and I stayed until lunchtime to study.
Today we saw more training videos on things like driving in rain and snow, what speeds to take a curve and on/off ramp, etc. We also got a PowerPoint presentation that showed the various parts we needed to identify for the Pre-Trip Inspection. I found this part especially helpful. Not being mechanically inclined, I did not know what all of the parts we inspect look like.
We also got a schedule of what we will be doing in the days ahead. Everything is VERY organized and the handouts are written in a way that makes them easy to understand.
We later divided into groups to do a test where we matched the part description for the Pre-Trip to the actual part. I'm proud to say that my group was the only group that stayed in class during our afternoon break to work on the test.
Today one of the instructors from the yard came to talk to the class. He stressed that it is his job to make sure that we pass. He is pleasant but is no nonsense. He called out two of the people in our class who were talking during his presentation. I was glad that he did.
One thing that I especially liked: He said that if we are having problems with a particular skill in the yard that they have somebody whose job it is to work with us on our weakness and get us up to speed so we can pass.
There were about 60 of us when we started on Tuesday. For various reasons, we are down to 40 or so. Tomorrow (Saturday), we are scheduled to start learning how to pass the Air Brake, In Cab and Pre-Trip Inspection.
As always, feel free to post any questions that you have. I will be happy to answer them.
Best Regards,
Colin K.
A pre-trip inspection is a thorough inspection of the truck completed before driving for the first time each day.
Federal and state laws require that drivers inspect their vehicles. Federal and state inspectors also may inspect your vehicles. If they judge a vehicle to be unsafe, they will put it "out of service" until it is repaired.
The state agency that handles everything related to your driver's licences, including testing, issuance, transfers, and revocation.
This is my entry for Saturday, June 2nd.
Today we had a new instructor. He was very upbeat and positive. He broke down the Pre-Trip inspection into manageable parts. We all went out to the truck. He showed us the various parts and then lead us in groups, and individually, in repeating the names of the parts as he pointed to them.
He also let us take photos of the parts to help us remember them. We didn't go into the verbiage that needs to be said about each part, we just focused on learning the parts. I found this a very good way to learn this material. It is a lot of material, and can be overwhelming if you don't break it down into manageable parts. We also went over information needed for the Air Brake Tests that we will be learning to conduct next week.
Later on, he showed us some YouTube videos of trucks crashing. We discussed the reasons for the crashes and what we, as drivers, could do to help minimize them. He also shared some real world stories of his experiences while driving.
We got to leave a little bit early today. Tomorrow is our only day off during training. I plan to do my laundry and practice my Pre-Trip Inspection using the photos and the verbiage that he taught us.
Our class started with 60 people. After our first week, we are down to 22. People dropped out for a variety of reasons, including failing the drug test or failing the DMV permit test. Those of us who are left are helping each other out wherever we can. We each want all of us to pass.
If you have any questions, feel free to post them here. I will do my best to answer them.
Best Regards, Colin K.
A pre-trip inspection is a thorough inspection of the truck completed before driving for the first time each day.
Federal and state laws require that drivers inspect their vehicles. Federal and state inspectors also may inspect your vehicles. If they judge a vehicle to be unsafe, they will put it "out of service" until it is repaired.
The state agency that handles everything related to your driver's licences, including testing, issuance, transfers, and revocation.
I have two questions... the first is overwhelming... you lost 38 people in one week? That seems crazy ridiculous to me. I've always held a job which required a pee test to acquire and random tests whenever to keep the job. I've never once known anyone to fail and I guess I just can't grasp that many people failing a test they know is coming in an industry they know has no tolerance.
My second question is: I'm not a gearhead by any stretch of the imagination (I'm a computer guy). After it's been a few days of this learning method (learning the parts before the verbiage), do you think it's helping? I'm fairly certain I could memorize the words fairly easily but I'm equally certain I won't be able to sight-identify some parts unless I practice them first. Thanks.
Hans Solo it's fairly common to lose half the first week; for a variety of reasons; failed drug test, medically disqualified, test failures on classroom work, and just basic "gee I need to apply myself to learn this?" You'd be amazed the number of folks who enter into this totally unprepared for what is required. Clueless.
When I attended Swift Academy similar circumstance; first day on a Monday there were 42 people in the classroom. Next day, as if by magic, the number was reduced to 34. By Friday of the same week; 24 remained. We actually had two guys caught consuming alcohol in the hotel they put us up in. Morons. At the end of 3 weeks; only 7 graduated. It's reality, very selective.
As far as pretrip, the words are fairly routine depending of what is being inspected. I rather like CREs approach to familiarize with all the parts first.
I suggest taking a look at TT's pretrip link:
A pre-trip inspection is a thorough inspection of the truck completed before driving for the first time each day.
Federal and state laws require that drivers inspect their vehicles. Federal and state inspectors also may inspect your vehicles. If they judge a vehicle to be unsafe, they will put it "out of service" until it is repaired.
A CDL is required to drive any of the following vehicles:
Han Solo Cup: G-Town covered many of the reasons people drop out, or get asked to leave. (Lying on your application is another big one. Yes, companies call who you list as former employers and references.)
As to the other question...I'm not a gear head either. We've been given time each day to practice our pre-trip. Each day, we've all gotten better. First I worked on being able to name the parts. The verbiage is pretty much the same for all hoses, metal parts, etc. so that is easy to plug into the equation. After that, it's just a matter of practice.
Many of us took photos of all the parts that we are supposed to name, in the order we want to name them. Tonight, I'll be looking at the photos, saying the part name and verbiage. It's just like practicing at the truck. I hope that answers your question.
I may not get to updating my diary tonight as I want to study. If not, I promise to update my diary tomorrow. Does anyone else have any questions?
Best Regards, Colin K.
Thanks a ton, Colin. Identifying parts is my biggest concern and you did answer my question.
Han Solo replied:
Identifying parts is my biggest concern.
All the more reason you should consider studying the links I sent you. I gaurantee if you apply yourself to them now, by the time you get to school you'll know the material cold.
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by Richard Mansel, managing editor
Satan is the master of lies, deceiving countless people daily through sleight of hand and subtle tricks of the language (John 8:44). Yet, most people no longer think he exists, even in churches. We must be diligent to expose his activities.
In our upside down age, we blame God for evil and credit man for good. Recent events shed light on Satan's lies.
The owner of the restaurant chain, Chick-fil-a, made it known that he did not support homosexual marriage. A firestorm of criticism led thousands of Americans to stand in line to support the restaurant's stance on traditional marriage.
Detractors insist that everyone who is against homosexual marriage hates homosexuals. This is too devious for man to come up with on his own. Clearly, Satan is at work because these claims are antithetical to God's Word.
As Christians, we are commanded to love everyone (1 John 4:7). The gospel is for all, no matter what sins we have committed (1 Corinthians 6:9-11).
While God condemns the practice of homosexuality (Romans 1:26-27), God created those who practice homosexuality in his image (Genesis 1:27) and sent his Son to die for them (John 3:16; Romans 5:8).
Nevertheless, Satan is reaping great benefits by redefining words to cloud the minds of men (Ephesians 6:11).
In the spiritual realm, he has changed the popular definitions of grace, salvation, church, Christian and saint. Accordingly, countless people are being lost, thinking they are pleasing God while falling for Satan's lies.
By altering the parameters of the homosexuality issue, Satan has found a way to pressure people into acceptance, even Christians who have replaced faith with timidity.
They ignore the clear teachings of the New Testament against homosexuality because they fear the approval of men more than they fear the approbation of God.
"The fear of man brings a snare, But whoever trusts in the LORD shall be safe" (Proverbs 29:25, NKJV).
They are spineless, just like Aaron, who was more frightened of the people than of God (Exodus 32:21-24). Will leaders of God's people follow the same path? Sadly, many will.
God gave Jeremiah some very sound advice that applies today:
"Do not be afraid of their faces, For I am with you to deliver you" (Jeremiah 1:8).


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Does Dermology Anti Aging Creams Really Works – An Honest Review
Emily Kristina is a skin expert by profession. She loves…
You might be wondering why we have picked up Dermology anti aging cream but had to because of its growing popularity on forums and youtube videos making us aware of its presence. I got seriously interested in knowing more about this anti-aging solution. I bought it and believe me what I am going to say is true since I have used it now.
First Off, Let's Talk About The Packaging…
It is not in a tube but is packed well within a jar. Therefore becomes easy to use and there is no fear of it getting spilled off if the cap opens up accidently. Besides, it all depends on the user how he uses it so as to save it from getting contaminated. I prefer scooping out with only a spatula.
The Ingredients
The first thing that I researched even before buying Dermology anti aging cream was its ingredients, and I must admit, it is pretty much in line with the anti-aging effect with just the right ingredients to fight the signs of aging on your skin. Here are the three most essential components of Dermology anti aging cream.
1. Argireline
It is known for its ability to remove wrinkles on the surface of the skin and relax the muscle fibers which are tensed and cause lines and eventually wrinkles. It is an alternative to Botox, according to the researchers.
Read About: 6 Anti-aging Yoga Poses to Keep You Young
2. Hyaluronic Acid
It occurs naturally in our skin, but its production starts depleting as we age. The topical HA works at the cellular level, keeps it moisturized and made the skin look tight.
3. Matrixyl 300
It spruces up the production of collagen. The latter is a protein responsible for making the skin cells intact, inside out. Hence you get a smoother skin with fewer lines and other aging signs.
These ingredients have been clinically tested and henceforth proven to be of great value to anyone looking for a respite from the growing signs of aging.
Does Dermology Anti Aging Cream Work?
This question must have popped up in your mind by now. As I have used it, I can say, it does. I had these lines developing around my mouth which made me feel older than I am. With this natural anti aging treatment by Dermology, I was able to fade them to quite an extent. I firmly believe that the combination of the ingredients as mentioned earlier made it possible. Apart from this, the moisturizing cream is useful in making skin look more taut and young and improves skin's elasticity which is on the downhill.
The Odor
This is something that may surprise you as Dermology anti aging cream is different from its contemporaries. Well, I have used other anti aging creams in the past, but most of them smelled strange and were sticky. Dermology anti aging cream smells nice, is not caky and leaves your skin feeling silky post application.
Easy To Use
A usual problem with a lot of anti aging creams is that you are asked to follow a particular routine which becomes difficult to follow over a period. Some ask for exfoliation first, and some ask you to apply only after washing your face and letting it dry for a certain amount of time. Well, with Dermology anti aging cream, you won't have to. It is entirely fussed free. You can just apply it and go about doing your daily chores as always. It lasts long unless you use it too generously which is not needed in its case. When you use it for a long time, you will have better results on your skin.
Read About: 8 Anti-Aging Products That Are Better Than Botox
Side Effects
There are no side effects. Sounds cliched? Most of the anti-aging creams do claim that they are free of any harmful side effects, but Dermology anti aging cream is. It is hypoallergenic and noncomedogenic which means it is suitable for sensitive skin as well as for those who are prone to acne. It offers the risk-free guarantee.
Our Verdict
Dermology anti aging cream is a good option. It is where my search for a good anti-aging product ended. Go for it; you wouldn't find any other with such amazing results.
What's Your Reaction?
Emily Kristina is a skin expert by profession. She loves to share her knowledge and experience with people. She regularly contributes her write ups to health or skin care related websites and blogs with most of her writings based on tips for best anti aging skin care.


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Little Jack Horner Lyrics
TAGS: Nursery Rhymes | Music (KS1)
Nursery rhymes are a great way to introduce your child to rhythm, music and early literacy and numeracy skills. Print this nursery rhyme activity sheet, so your child can have fun singing along to Little Jack Horner!
View and print the "Little Jack Horner Lyrics" activity


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Lemooc Polygel Builder
Lemooc Polygel Builder
Lemooc Polygel Builder
Lemooc Polygel Builder 10 colours available
1 tube does approx 1 set of Nails 15g
Use with nail molds for easy application or can also build nails with a nail Former
This is the polygel i use in my video Flower nail tips with polygel
Firm Polygel you may need slip soloution to even out the gel
Requires a Uv/Led Lamp to cure
You can see our polygel tutorial Here
Delivery Information
Delivery is Worldwide and time depends on the country you live in.
We offer Economy Delivery Typically 20-50 There is no Express option for this product.
Our Economy Delivery Prices help us keep Our prices for the Products Cheap If your item does not arrive within 60 Days A full refund is Guarenteed.
Additional information
1, 2, 3, 4, 5, 6, 7, 8, 9, 10


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Anna Bosatta
CURRENTLY ON HIATUS WHILE I AM ABROAD (until summer 2019)
BIRDS of a Feather, is a women's community choir, established in April 2013 and now a happy and caring group of over 30 singers; we sing acappella and accompanied, and a wide range of song types.
I also sing with Corenno Singers, currently a 4-voice a cappella group.
My musical interests are in easy-access song for everyone, facilitating musical self-expression including with improvisation, spiritual music especially expressionist/abstract/ improvised; and I love Gregorian chant!
New York
Email: email@example.com
07796 342620


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Georgina Wilson, Borgy Manotoc, Maxene Magalona at the Greater Good launch
Spot the stars at the clothing-for-social awareness store's opening.
Borgy Manotoc and Georgina Wilson. Click for more photos.
Greater Good, a clothing line that promotes social awareness through fashion, launched its first main concept store last month at the SM Mall of Asia in Pasay. The locally designed shirts have themes like Environment, Peace and Poverty, and part of the Greater Good's proceeds goes to organizations such as Gawad Kalinga and Go Negosyo.
Spotted at the launch were models Georgina Wilson and Borgy Manotoc, actresses Maxene and Saab Magalona, TV host and columnist Raymond Gutierrez, and Channel [V]'s JM Rodriguez. Gutierrez, one of the people that Greater Good collaborated with, designed the animal-themed "Take Flight" shirt.
Photos courtesy of Greater Good and GreaterGoodApparel.net.