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CITY OF MEMPHIS DIVISION OF HOUSING AND COMMUNITY DEVELOPMENT WILLIE W. HERENTON MAYOR, CITY OF MEMPHIS ROBERT LIPSCOMB, DIRECTOR September 2005 The City of Memphis does not discriminate on the basis of race, color, religion, national origin, sex, age or disability in employment or in the provision of services. EQUAL OPPORTUNITY / EQUAL ACCESS PROVIDER. TABLE OF CONTENTS Section I Housing Opportunities for Persons with AIDS (HOPWA) Grant Program Description Introduction .......................................................................................................... 1 Eligible Activities ................................................................................................... 2 Ineligible Activities and Limitations ........................................................................ 4 Eligible Program Participants ............................................................................... 5 Requirements for Construction or Rehabilitation Projects .................................... 5 Requirements for Rental Assistance Projects ...................................................... 6 Other Requirements Affecting All Projects…………………………………………….7 Section II Application Selection Process Threshold Requirements ...................................................................................... 10 Grant Review and Selection Process ................................................................... 10 Rating and Ranking .............................................................................................. 12 Grant Award and Implementation Process ........................................................... 12 Project Completion and Expenditures of Funds ................................................... 12 City Contacts / Questions ..................................................................................... 13 Section III Program Application Forms Project Information ............................................................................................... 14 Project Budget ...................................................................................................... 18 Project Budget for Personnel ............................................................................... 19 Budget Justification ............................................................................................. 20 Appendices ........................................................................................................... 21 SECTION I HOPWA GRANT PROGRAM DESCRIPTION INTRODUCTION The City's Housing Opportunities for Persons with AIDS (HOPWA) Grant Program provides assistance to low-income individuals diagnosed with HIV/AIDS and their family members living with them. The program is part of the City's strategy to provide housing and supportive services to low-income members of special needs populations. The Program is funded with Housing Opportunities for Persons with AIDS (HOPWA) entitlement funds annually awarded to the City by the U.S. Department of Housing and Urban Development (HUD). As such all activities must comply with applicable HOPWA regulations, which are found in 24 CFR 574. The program is designed to: increase the availability of decent, safe and affordable housing for low-income persons with HIV/AIDS serve persons with HIV/AIDS living in Fayette, Shelby and Tipton counties in Tennessee, DeSoto, Marshall, Tate and Tunica counties in Mississippi, and Crittenden County, Arkansas create and maintain a continuum of affordable housing assistance programs to prevent homelessness, serve the homeless, and provide other permanent housing opportunities and related supportive services for HOPWA-eligible clients work primarily with existing housing resources provide services based on need since this is not an entitlement - and provide one year of funding for approved projects The City seeks applications that will address priorities identified in the Memphis Consolidated Plan (see Appendix A) and the consolidated plans for other counties in the MSA help increase access to affordable rental housing and rent / utility / mortgage assistance for persons with AIDS provide housing accompanied by appropriate supportive services assess each program participant's housing needs, prepare of a housing plan, and work with the person to achieve the plan encourage the self-sufficiency of participants by securing eligible mainstream resources and other services that bolster independence. (Mainstream programs may include Food Stamps, TennCare, SSI, and similar Federal and State programs.) coordinate activities with other public and private agencies serving persons with HIV/AIDS provide confidentiality for program participants - and provide services free of charge except for rent CRITERIA FOR HOPWA-FUNDED PROJECTS. Although the feasibility of an HOPWA-funded project relies on many factors, the eligibility of a project depends on compliance with basic criteria and the provision of 1 adequate information to properly evaluate a proposed project. These are prerequisites for consideration for funding and are explained in more detail in the SCIF Agency Profile or later in this section. 1. The applicant must be a HOPWA eligible project sponsor, a nonprofit organization that meets criteria listed in the SCIF General Application and that includes provision of services / housing to persons with HIV/AIDS as one of its primary purposes. 2. The proposed projects must include only HOPWA-eligible activities per 24 CFR 574. 2. Projects may not include ineligible activities per HOPWA regulations. 3. The projects may serve only HOPWA eligible program participants, who are low-income individuals diagnosed with acquired immunodeficiency syndrome or related diseases (HIV/AIDS) and the person's family members. 4. The requirements for housing construction and rehabilitation found in 24 CFR 574 must be followed to ensure adequate information and documentation is provided for project evaluation. 5. The requirements for rental assistance found in 24 CFR 574 must be met when rental programs are developed. 6. The City's guidelines for short-term rent, mortgage and utility (STRMU) assistance must be followed when STRMU programs are developed. 7. Other requirements affecting all projects must be taken into consideration when designing / developing a HOPWA project. HOPWA ELIGIBLE ACTIVITIES There are a number of HOPWA-eligible activities to help meet the housing needs to low-income persons with HIV/AIDS and their families. See 24 CFR 574 for complete information. The HUD Fair Market Rents for Fayette, Shelby and Tipton Counties in Tennessee, Crittenden County in Arkansas and DeSoto County in Mississippi are included in the FY 2007 SCIF Agency Profile. The HUD Fair Market Rents for Marshall, Tate and Tunica Counties in Mississippi are included in Appendix B of this application. 1. Housing Information Services include housing counseling, fair housing information, housing advocacy activities, housing information and referral, and housing search and assistance. 2. Resource Identification includes outreach and relationship building with landlords, costs involved in creating brochures and web resources as well as staff time to locate and identify affordable housing vacancies. 3. Rental assistance includes payment of rent, including utilities, for housing which meets local housing codes / quality standards, HUD's standards for Fair Market Rent in the MSA and Marshall, Tate and Tunica counties, and rent reasonableness requirements. Persons that receive rental assistance under this program must pay a portion of their rent and utilities as dictated by HUD guidelines described below on page 7. Rental assistance may include project or tenant based rental assistance but does not include short-term supportive housing or short-term rent, mortgage, and 2 utility assistance described below. Rental assistance is not emergency assistance but helps individuals access permanent housing. 4. Short-term supported housing provides funding for temporary shelters which may include hotels, motels, or emergency / transitional shelters. This type of housing may provide residence to any eligible person for up to 60 days during any 6-month period. (The 60 days do not have to be consecutive.) HUD's Fair Market Rent does not apply to this program, nor do local housing codes and housing quality standards, or rent reasonableness requirements. However, the City expects the housing conditions to be safe and sanitary and the rents reasonable for the type of housing provided. 5. Short-Term Rent, Mortgage, and Utility (STRMU) Assistance provides payments to prevent the homelessness of a tenant or mortgagor of a dwelling for costs accruing over a period of no more than 21 weeks during any 52 week period. While HUD does not require compliance with Fair Market Rent guidelines, the City's guidelines specify that no rent will be paid that is higher than the applicable FMR. Neither local housing codes and housing quality standards, nor rent reasonableness requirements apply to STRMU. However, the City expects the assistance to be reasonable and to be used in emergency situations in order to prevent homelessness. Short-term rent, mortgage and utility assistance are not appropriate as on-going assistance when less expensive, more appropriate housing should be obtained to ensure a client remains housed. All short-term rent, mortgage and utility assistance programs must comply with the guidelines dictated by the City and the HOPWA Steering Committee. Housing assisted with STRMU may have been secured prior to any HOPWA- assistance to the client. Or, the funds may be used to pay emergency rent and utilities to clients that have obtained short-term housing through the HOPWA program with deposits and first month's rent being paid through Supportive Service activity funding. 6. Acquisition, rehabilitation, conversion, lease and repair of housing provides housing with or without on-site supportive services; it may include independent apartments or shared residences; rehabilitation must bring the facility up to current ADA standards; this may include master leasing of an existing facility. All housing eligible under this activity must meet local housing codes and quality standards; rent reasonableness criteria, HUD Fair Market rent standards, and HUD's rent guidelines. 7. New Construction of Housing is limited to building single room occupancy (SRO) facilities or community residences. This activity provides funding for construction of housing, which will include multi-unit dwellings that meet local housing codes and quality standards, HUD Fair Market rent standards, rent reasonableness requirements and HUD's rent guidelines. HOPWA funds may be used to pay the costs of a percentage of units in a SRO or community residence as long as that percentage of units is used to house persons with HIV/AIDS. 3 8. Operating Costs for Housing include costs of property maintenance and upkeep, security measures, insurance, utility costs, furnishings and equipment, operating supplies and other incidental expenses. This category includes costs associated with the operation of Short-Term Supported Housing like emergency and transitional shelters. 9. Supportive Services include utility deposits and first months rent for homeless persons as well as the costs of providing a wide range of supportive services like health, mental health, assessment, permanent housing placement, drug and alcohol abuse treatment and counseling, housing case management and other services necessary to ensure the housing stability of the program participant. Although supportive services not directly related to the provision of housing are eligible for HOPWA funding, housing-related activities will be considered a higher priority for funding. 10. Administrative Costs - Each project sponsor receiving a HOPWA grant may use no more than 7 percent of the amount received for administrative costs. A lump sum is not provided and costs may include only costs for general management, oversight, coordination, evaluation and reporting on eligible activities. Such costs do not include costs directly related to carrying out eligible activities, since those costs are eligible as part of the activity delivery costs of such activities. INELIGIBLE ACTIVITIES A number of limitations are placed on activities in the HOPWA regulations. They include but are not limited to the following: 1. Funds may be used only for activities are included in the eligible activities described above and listed as eligible for HOPWA-funding in 24 CFR 574. 2. Activities are ineligible if they do not serve low- income persons with HIV/AIDS and their family members. 3. Activities are ineligible if they do not serve persons living in the MSA. 4. Short-term rent, mortgage, and utility assistance to prevent homelessness may not be used to make deposits and pay first month's rent and utilities for homeless persons. (However, supportive service funds may be used for these costs.) 5. Short-term rent, mortgage, and utility assistance may not be provided for costs accruing for a period of more than 21 weeks in any 52-week period. 6. A short-term supported housing facility may not provide residence to any individual for more than 60 days during any six-month period. 7. HOPWA funds may not be used to pay rental assistance for housing units that do not meet local housing codes / quality standards. 8. HOPWA funds may not be used to provide rental or utility assistance that exceeds HUD's Fair Market Rent guidelines (except to prevent homelessness through Short-Term Rent, Mortgage and Utility Assistance). 9. HOPWA funds may not be used to pay rents that are not comparable for similar or like apartments on the local market. HOPWA funds may be used to pay only reasonable, customary deposits and may not be used to pay extraordinary deposits or fees required by owners because the population is viewed as one with special needs. 4 10. HOPWA funds may not be awarded to a primarily religious organization unless the organization agrees to provide all services free from religious influences and in accordance with principles spelled out at 24 CFR 574.30 ( c ) ( 1 ). 11. Funds may be used to rehabilitate or convert a structure owned by a primarily religious organization only under certain conditions spelled out at 24 CFR 574.300( c )( 2 ). Otherwise, funds may not be used to rehabilitate a facility owned by a church/primarily religious organization. HOPWA-ELIGIBLE PROGRAM PARTICIPANTS Eligible person means a person with acquired immunodeficiency (AIDS) syndrome or related diseases who is a low-income individual, as defined by HUD, and the person's family. Documentation of the person's diagnosis of AIDS must be submitted and be from a reliable source. Low income means persons or households with incomes at or below 80% of the Area Median Income. The income limits for Fayette, Shelby, and Tipton Counties in Tennessee, Crittenden County in Arkansas and DeSoto County in Mississippi are included in the information provided in the SCIF Agency Profile for FY 2007 and also included in Appendix B. Income limits for Marshall, Tate, and Tunica Counties in Mississippi are included in Appendix B. Income must be documented. Family means a household composed of two or more related persons. The term family also includes one or more eligible persons living with another person or persons who are determined to be important to their care or well being, and the surviving member or members of any family described in this definition who were living in a unit assisted under the HOPWA program with the person with AIDS at the time of his or her death. An agency will be required to document the AIDS diagnosis and income of project participants. REQUIREMENTS FOR HOUSING CONSTRUCTION OR REHABILITATION All projects that request funds for construction, rehabilitation or conversion of a structure or housing units must comply with the following requirements. 1. Proof of Site Control Proof of site control in the form of a deed, purchase contract or an option should be submitted if improvements are to be made to a building owned by or to be purchased by the applicant. The expiration date of the contract or option must be included. Applications that propose improvements to a leased facility must include a copy of a long-term lease between the applicant and the owner. 2. Site Information, present zoning and adjoining land uses Site information must include a complete legal description of the property. The present zoning of the property must be indicated as well as any required re- zoning or special use permits required for the proposed use. The adjoining land uses must also be described. 5 3. Construction Estimates The proposed construction costs should be based on estimates made by a contractor, engineer, or architect familiar with the project. The City will review these for feasibility. 4. Design of Improvements The new construction or rehabilitation / conversion improvements must be designed by a licensed architect who will also play an integral part in the public bidding of the project, ensure compliance with all applicable codes and zoning ordinances (including zoning and handicapped accessibility), and oversee construction and verify draw requests. 5. Competitive Selection of Architects, Engineers & Construction Contractors All HOPWA-funded contracts for architectural and engineering services and construction must be awarded in a competitive manner. Methods of bidding and contract award may vary with the approval of the City. 6. Treatment of Existing Lead-Based Paint and Asbestos Elimination or encapsulation of lead-based paint and asbestos in a shelter may be required under certain conditions. Construction estimates should include these costs. Additionally, costs should include a survey of existing lead-based paint and asbestos to be performed prior to construction by qualified entities. 7. Displacement of Residents or Businesses No projects will be funded that result in the displacement of individuals, families or businesses from the site proposed for a shelter. 8. Compliance with Federal Historic Preservation Guidelines. If the building to be rehabilitated is a historically significant structure, the construction work must be undertaken in compliance with Federal Preservation guidelines as interpreted by Memphis Heritage and the State Historic Preservation Office. This may require use of specific materials that should be considered in the construction budget. 9. Minimum Use Requirements. Any building assisted with HOPWA funds must be maintained as a facility to provide housing or assistance for individuals with AIDS or related diseases: a) for a period of not less than 10 years in the case of assistance provided as "Acquisition, rehabilitation, conversion, lease, and repair of facilities" or "New Construction" that involve new construction, substantial rehabilitation or acquisition of a building or structure; b) for a period of not less than 3 years in cases involving non-substantial rehabilitation or repair of a building or structure. Substantial rehabilitation is defined as rehabilitation that involves costs in excess of 75 percent of the value of the building after rehabilitation. The applicant must also submit a description of how it plans to manage/operate the rehabilitated structure for the required period of use. 10. Compliance with Local Codes and State laws. Any housing constructed, renovated or operated with HOPWA funds must meet all applicable local construction, housing, and other applicable codes. These include but are not limited to use and occupancy, zoning, fire and safety, as well as health and sanitation standards. Estimated costs of complying with codes should be included in construction costs. Construction permits are required for renovation. If the shelter requires licensing under local or State law, the agency 6 must obtain and keep proper licensure to receive HOPWA funds. No exceptions are made. 11. Insurance and Bonding Requirements for Construction. Bidders and Contractors will be required to meet bonding requirements established by HUD. 12. Davis-Bacon Wage Rates. Davis-Bacon Wage Rates do not apply to HOPWA-funded construction unless they are combined with funds from other Federal programs that are subject to the Act. REQUIREMENTS FOR RENTAL ASSISTANCE PROJECTS Rental assistance (not short-term rent, mortgage and utilities) may be provided to make housing more affordable for low-income persons with HIV/AIDS and their family members. All housing units supported by rental assistance must comply with local housing codes and quality standards. Rents may not exceed HUD's Fair Market Rent guidelines found in Appendix B. HOPWA-funded rental assistance programs pay the difference between HUD's Fair Market Rent and an amount that is the higher of the following: 30 percent of the household's monthly adjusted income; 10 percent of the household's monthly gross income; or, if the family is receiving payments for welfare assistance from a public agency and a part of the payments, adjusted in accordance with the family's actual housing costs, is specifically designated by the agency to meet the family's housing costs. Tenant based rental assistance operates in a manner similar to Section 8 and is tied to the eligible tenant, not the housing unit. The tenant is encouraged to find a housing unit, which, if located in Memphis, the City will inspect for compliance with housing codes and housing quality standards. The tenant enters into a lease with the property owner and, unless the utilities are included in the rent, is responsible for paying utility costs. Project based rental assistance is tied to a particular project or housing development. The project / development must comply with local housing codes and quality standards. And program participants assisted through this program cannot receive rental assistance except in the units associated with the project. Leases are required for persons receiving either tenant or project based rental assistance. Leases are typically limited to a one-year period. SHORT TERM RENT, MORTGAGE, AND UTILITY ASSISTANCE Purpose: The purpose of STRMU is to assist households facing a housing emergency or crisis that could result in their displacement from their current housing or in homelessness. This activity may use HOPWA funds to provide short term rent, mortgage and utility assistance to low income persons diagnosed with HIV/AIDS to forestall eviction, foreclosure, or uninhabitability of the residence. 7 STRMU is suitable for persons who experience episodic problems with paying rent, mortgage and utility costs and is not suitable for individuals with chronic problems paying these costs. The funding is not suitable as a long term solution for households that require on-going financial assistance to remain in their homes. STRMU does not address the needs of people who are homeless. STRMU funds cannot be used to provide first months rent or security deposits for a person moving into a new housing unit. STRMU assistance is limited to helping the individual remain in the housing where they reside at the time they seek assistance. The assistance is needs based and is not an entitlement. All STRMU assistance must be provided as part of a housing care plan developed for the client by the HOPWA-funded project sponsor following the limits set in these Policies and Procedures and based on assessed need to the person with AIDS. 1. Area to be Served: Memphis EMSA which includes Fayette, Shelby, and Tipton Counties in Tennessee, Crittenden County in Arkansas, and DeSoto, Marshall, Tate and Tunica Counties in Mississippi. 2. General Requirements: STRMU may be paid only by project sponsors approved for funding through the competitive application process for HOPWA funds awarded to the City of Memphis for the Memphis EMSA and that have an existing HOPWA-funded contract that lists STRMU as a budget line. 3. 21 Week Limit: Rent, mortgage and utility assistance is limited to a maximum of 21 weeks in a 52- week period. The process for counting the 52-week period is based on the client's year (when the client's assistance begins) not on the fiscal year of the project sponsor. The 21 weeks do not have to be consecutive during the 52- week period. ( Project sponsors should not advertise the guaranteed availability of 21 weeks of assistance although the full 21 weeks is eligible for funding under the Memphis STRMU program. Instead project sponsors should develop rental assistance programs for clients that require full assistance or help the client find affordable housing which will not require STRMU assistance for the long term ) 4. Caps on Assistance: An eligible client cannot receive a monthly payment that exceeds the area's HUD Fair Market Rent adjusted by unit size and family / household size. 5. Utility Payments: STRMU will pay utilities including arrearages with no cap on the amount. However, payment of utility arrearages must achieve two goals: the full amount of utility arrearages is paid, and the person will be able to resume normal monthly utility payments and, consequently, remain stably housed.. When utility arrearages are paid, the 21 weeks begins on the date the bill is due (not on the date when utilities are first provided. 8 6. Survivor benefits: Survivor benefits in the form of STRMU will be provided for no more than ninety (90) days after death of the HOPWA-eligible person. 7. Eligible Recipients of Payments: Eligible recipients of STRMU payments are limited to third parties - - i.e., the owner or management company of a rental housing unit, the holder of the mortgage, or the utility company to which utility costs are due. No check can be provided to an INDIVIDUAL without a tax identification number whether or not this results in the homelessness of the client. 8. Shared Housing: STRMU assistance may be provided for shared housing situations as long as the client has a lease for the housing and when the project sponsor determines that such assistance is necessary as part of the client's housing care plan. 9. Roommates: STRMU assistance may be provided for roommates that are both eligible for assistance as long as both roommates are listed on the lease or mortgage. 10. Declaration of Family: When two individuals apply for STRMU, they must declare as a family or as roommates at the initial assessment. Changes in this declaration, which affects whether two individuals are living as a couple, are not allowed. The declaration affects the size of apartment / amount of assistance that the client is eligible to receive. (i.e., if two people are living as a couple and have no other members of the household, STRMU assistance is capped at the FMR for one bedroom. However, if two people are living as roommates and there are not other members of the family, STRMU assistance will be capped at the FMR for a two bedroom unit. 11. 1099 Forms: Project sponsors administering STRMU are responsible for submitting an IRS 1099 form to all entities that receive STRMU payments. OTHER REQUIREMENTS AFFECTING ALL PROJECTS The following requirements apply to HOPWA-funded projects. 1. Fees for Services. The project sponsor may charge no fee, except rent, of any eligible person for any housing or services provided with amounts from an HOPWA-funded grant. 2. Disbursement of Funds. Grant funds are not awarded in one lump sum. They are paid on a monthly basis to agencies on a reimbursement basis for eligible costs incurred. Agencies awarded HOPWA funds for operating / maintenance, rental assistance and other non-construction activities are expected to have adequate cash flow to pay project costs and then request reimbursement from the City. However, funds for construction or rehabilitation will be paid when costs have been incurred. These construction-related payments are not reimbursements and an agency is not expected to have adequate cash flow to pay for construction costs. No funds will be used to reimburse costs incurred before the beginning of the grant cycle on July 1, 2006 or before the award of the grant, environmental clearance of the 9 project by the City, and execution of the contract between the City and the applicant agency. 3. Federal Administrative Requirements Agencies must comply with Federal administrative requirements. All agencies awarded HOPWA grants will be required to comply with a variety of requirements governing their use of Federal funds. These include but are not limited to: * Standards for Financial Management (OMB Circular A-110) * Cost Principles and Allowable Costs (OMB Circular A-122) * Federal Audit Standards (OMB Circular A-133) * Conflict of Interest (OMB Circular A-110 and 24 CFR 574.440) * Procurement Principles (OMB Circular A-110) Additionally, agencies awarded HOPWA grants will be required to open their books to a representative of the Internal Audit Department of the City to evaluate their financial management systems. City staff will monitor each program to ensure compliance with the terms of the funding agreement between the City and the agency. This will include monitoring records kept by the applicant to demonstrate the eligibility of clients, the services provided, and other required information. 4. Allocation of Costs. Costs funded by several sources must be allocated appropriately. When an agency receives funding from several sources for the same activity or project, the costs must be allocated among the sources in an acceptable manner. The City must approve the allocation plan. 5. Liability Insurance. All agencies awarded funding are required to maintain liability insurance in the amount of one million dollars ($1,000,000.00) listing the City of Memphis as "Additional insured." The cost of the insurance may be included in the project budget. 6. Handicapped Accessibility. All projects must be accessible to persons with disabilities. Programs, information, participation, communications and services must be accessible to persons with disabilities. Agencies must comply with Section 504 of the Rehabilitation Act of 1974 and Americans with Disabilities Act (ADA). 7. Nondiscrimination. All agencies must ensure nondiscrimination. This applies to employment and contracting as well as to marketing and selection of program participants. Discrimination is not allowed on grounds of race, color, national origin, religion, sex, age, or disability. Fair Housing laws prohibit discrimination based on the above and on familial status. Disability includes persons living with AIDS. 8. Formal Termination Policy. Agencies awarded funds must develop a formal Termination policy that clearly describes a process by which clients' services may be terminated if program requirements are violated. 9. Supportive Assistance. Agencies awarded funds must assure that persons with AIDS are given assistance in obtaining appropriate supportive services including permanent housing, mental health treatment, medical health treatment, counseling, case management, supervision, and other services essential for achieving 10 independent living. Additionally, agencies must assure that the persons with HIV/AIDS are assisted in obtaining other Federal, State, local and private assistance available for such persons. This will include individually assisting clients to identify, apply for and obtain benefits under each of the following mainstream health and social services programs for which they are eligible: TANF, Medicaid, SCHIP, SSI, Food Stamps, Workforce Investment Act, and Veterans Health Care Programs. 10. Confidentiality. Agencies / project sponsors must ensure the confidentiality of both the name of any individual assisted by HOPWA and any other information regarding individuals receiving assistance through this program per 24 CFR 574.625. 11. Other Federal Regulations. Agencies awarded funds must agree to comply with all applicable Federal regulations. All agencies awarded funding will be required to comply with the regulations listed in the SCIF application Exhibit III: Application Certifications. Please review this carefully. Exceptions are not made. 12. Participation in AIDS Consortium. Each agency awarded HOPWA funds is required to be a member of the AIDS Consortium headquartered at United Way of the Mid-South and to participate in monthly meetings. 13. Participation in HMIS database. Each agency awarded HOPWA funds will be required to regularly submit information to Partners for the Homeless for their database (formerly Anchor System). The City's intention is to strengthen participation in this database so it can become a more accurate and useful tool in planning and administering programs for the homeless. 11 City of Memphis 2004 HOPWA Application SECTION II APPLICATION SELECTION PROCESS THRESHOLD REQUIREMENTS "NO HOPWA APPLICATION WILL BE ACCEPTED WITHOUT THE SCIF AGENCY PROFILE FOR 2007" All proposals submitted by the deadline will be reviewed by the Homeless and Special Needs Department staff for technical completeness and adherence to the format required in the SCIF General Application Packet and in this HOPWA Program Application Packet. The City may request information to correct technical deficiencies, which do not include budgets or other information that will improve the quality of the application. However, if an applicant does not submit the requested information within the time provided, the City will reject that application. The applicant will be informed of the rejection by letter. Applications submitted after the deadline will be rejected, also. Technically complete applications will be reviewed by City staff to determine applicant eligibility and project eligibility. 1. Applicant Eligibility - Staff will review information required in the SCIF General Application to determine whether the agency is eligible for HOPWA funding. If the City determines these standards are not met, the project will be rejected and the applicant agency notified by letter. If the applicant is found to be eligible, the application will be reviewed for project eligibility 2. Project Eligibility - Staff will review the HOPWA Program Application to determine whether the proposed activities are eligible for HOPWA funding. If activities are not eligible, the application will be rejected and the applicant agency notified by letter. Applications proposing services to ineligible participants will be rejected. If the activities are found to be eligible, the application will be submitted to the review committee for consideration. GRANT REVIEW AND SELECTION PROCESS To review and rank applications, the City will appoint a Grant Review Committee including persons not employed by the City to obtain certain expertise and outside points of view. These individuals may include representatives from other funding sources within Memphis and from programs that work with agencies that serve persons living with AIDS or that are knowledgeable about various aspects of housing services. The City will not appoint individuals that have assisted or plan to assist applicants with preparing applications for these funds. Nor will it appoint individuals that are employed by agencies that submit an application for the HOPWA funds. Committee members will review eligible applications and will determine the steps in the review process with regard to making on-site visits to agencies or inviting agency 12 City of Memphis 2004 HOPWA Application representatives to attend a Review Committee meeting to answer questions about their applications. The City will make available to committee members all monitoring information related to grants previously awarded to the applicant. RATING AND RANKING Members of the Review Committee will rate and rank applications. The points awarded for the rating factors total 100. The factors for rating and ranking applicants are listed below and in Appendix C. Each applicant should carefully read the factors for rating and ranking applications described below. Applicant capacity. Up to 20 points will be awarded based on the extent to which the application demonstrates that the applicant agency has the capacity and capability to effectively administer the proposed HOPWA activity. The application must demonstrate that the agency staff has adequate credentials and experience to carry out the proposed project. This means that in addition to knowledge of and experience in serving persons with AIDS, the organization carrying out the project, its employees, or its partners, must have the necessary experience and qualifications to carry out the specific activities proposed. Factors to be considered will include: prior agency experience and results in the type of work being proposed; suitable agency fiscal capacity and organizational infrastructure to implement the project; and employee experience and credentials in the area to be implemented. The City's monitoring records of previously funded projects will also be included in determining applicant capacity. Project quality. Up to 20 points will be awarded based on the extent to which the application demonstrates the quality of the project. The housing and services proposed must be appropriate to the needs of the persons to be served. The application must demonstrate a clear understanding of the needs of the clients, the services to be offered, and the effectiveness of the services in meeting those client's needs. The City may consider a project to be of poor quality if: 1. The type and scale of the housing and services proposed clearly do not fit the needs of the proposed participants (e.g., the application proposes to house homeless families with children in the same space as homeless persons with mental illness or alcohol and drug problems or proposes to separate members of the same family without an acceptable rationale.) 2. The application does not show how the project will help participants to access permanent housing, achieve housing stability and obtain needed medical care and supportive services. 3. The application does not show how the project will protect the confidentiality of the clients. 4. The project is not cost-effective in the Committee's opinion and all costs are not reasonable, but deviate substantially from the norm in Memphis; 5. The application shows no evidence of collaboration with other existing programs and services for persons with AIDS; 6. The shelter proposed does not meet City code, health or safety standards; 7. The agency does not participate in Partners' database, and/or is not a member of the Memphis AIDS Consortium. 13 City of Memphis 2004 HOPWA Application 8. The application does not describe how the agency will assist clients enroll in mainstream programs for which they are eligible. Need for Project. Up to 30 points may be awarded based on the extent to which the application demonstrates the need for the project. It must describe the need for the specific project vis-à-vis existing services. The project may be judged to adequately describe the need for the project if it addresses the following points: 1. The need for the project is documented by use of waiting lists, references to similar programs, etc. 2. The project is consistent with the priorities described in the Memphis FY 2006 Consolidated Plan; 3. The project does not duplicate existing programs and services which will continue to be operational during the funding period. Operational Feasibility. Up to 30 points may be awarded based on the extent to which the application demonstrates the feasibility of the project. The application must include: 1. Clear and complete plans for implementing the project; 2. Adequate committed funding to implement the project; 3. An adequate strategy for securing additional support and commitment; 4. Adequate number of well-trained staff to carry out the proposed project; 5. Indicators that demonstrate that the project is ready to be implemented. The scores for each factor will be added in order to obtain a total score for each application. The applications will then be ranked from highest to lowest according to the combined scores. Funding will be awarded to applications according to ranking, beginning with the highest score. The Director of the Division of Housing and Community Development will review and approve Committee Recommendations. The City reserves the right to adjust funding amounts. GRANT AWARD AND IMPLEMENTATION PROCESS As soon as projects are approved, the City will contact agencies by letter to announce the awards and to begin negotiation of the funding agreements. If agency awards are less than original requests, the agency will be asked to provide a revised scope of services, revised budget and measurable goals for the contract. The City will make its best efforts to complete environmental and other reviews and contract execution so that project funding will be effective July 1, 2006. PROJECT COMPLETION AND EXPENDITURE OF FUNDS The City must ensure that all HOPWA funds awarded through this process are expended within 3 years of the date HUD awards the City funds (i.e., all funds must be expended before July 1, 2009). Consequently, agencies must request final payment for these activities by April 1, 2009 so that contract close out and final payment may take 14 City of Memphis 2004 HOPWA Application place by July 1. The City reserves the right to reallocate HOPWA funds if a project is not operational and funds are not being spent in a timely manner by April 2007. CITY CONTACTS TO ANSWER QUESTIONS Inquiries regarding this grant program should be directed to Mary-Knox Lanier or Curtis Lopez at 576-7310 or (TDD) 576-7422. 15 City of Memphis 2004 HOPWA Application SECTION III HOPWA GRANT PROGRAM APPLICATION PROJECT INFORMATION Project Sponsor: EIN Number: Contract Period: HOPWA Request: Address: City/State/Zip: Agency Director: (Area Code) Phone No.: HOPWA funding will not be available to pay costs incurred before July 1, 2006. 1. Provide a three or four sentence synopsis of your proposed program including a description of the service area in which you propose to work, the proposed housing and services, and the number of clients you intend to serve. 2. Briefly describe the proposed project including the eligible HOPWA activities for which funding is requested, the type of housing and/or housing related services proposed, the particular HIV/AIDS population to be served, the number of persons to be served by each activity and the term of the proposed funding. Please remember that the maximum period of funding is ONE year from July 1, 2006 through June 30, 2007. 3. Describe the population to be served by the proposed HOPWA project including: a) their characteristics and needs for housing and supportive services; b) where they will come from; and c) outreach that will bring them into the project. The description must demonstrate that the population meets HUD's criteria for eligibility to receive HOPWA-funded services and housing. Additionally, you should describe the needs of the group that the project will serve indicating the type of housing and supportive services they will need. The description should 16 City of Memphis 2004 HOPWA Application show that the project will be coordinated with services and housing provided by other service providers for persons with HIV/AIDS. 4. Describe the housing where the program participants will reside including: a) the type of housing (short-term supported housing facilities / emergency or transitional shelters, single room occupancy facilities, community group homes, privately owned homes or apartments, housing owned or leased by nonprofit agencies, etc.) b) the number of units of housing that will be provided and the number of persons per unit c) describe how you will ensure that the units will be accessible to persons with disabilities in accordance with applicable laws; d) describe any limits on a resident's length of stay; e) describe how the type, scale and other characteristics of the housing are appropriate for and meet the needs of the target population. 5. Describe any rental assistance the program participants will receive including: a) The type of rental assistance (tenant or project based rental assistance, rental assistance through master leasing of housing units, or short-term rent, mortgage and utility assistance); b) limits on the length or amount of rental support; and c) describe how the type and scale of rental assistance meets the needs of the target population. 6. Describe the supportive services that the participants will receive including: a) how the type (case management, job training, life skills training) and the scale (the frequency and duration of the services) will fit the needs of the participants; b) where the supportive services will be provided and what transportation will be available to the participants to access those services; c) how you plan to ensure that the participants will be individually assisted to identify and apply for and obtain benefits under mainstream health and social services programs for which they are eligible: TennCare, SSI, Food Stamps, and so forth; and d) how the services will increase the participants' access to appropriate healthcare. 7. Describe how this project will be coordinated with other agencies that serve low- income persons with AIDS. Include a brief description of your intake and referral process, how you share clients and coordinate services with other agencies. Please include in your answer a response to the following: 17 City of Memphis 2004 HOPWA Application Is your agency a participating member of the AIDS Consortium? Is your agency a participating member in the Greater Memphis Interagency Coalition for the Homeless? Does your agency provide data to Partners for the Homeless for the its Homeless Management Information System (HMIS) database on a regular basis? How does your project work with the Continuum of Care Network? 8. Describe how the proposed project will reduce the risks of homelessness for the proposed population. 9. Does your agency plan to acquire, repair or renovate existing housing or acquire a site for construction of new housing using HOPWA funds? If so, list the address and include a photograph of the building / site as well as documentation of site control. Or, is your agency leasing the structure to be renovated? If so, include a copy of the current lease. 10 If you plan to use HOPWA funds to renovate or operate a shelter, will it be licensed? If so, by what agency and for what services? 11. If you plan to use HOPWA funds to construct a new SRO or community residence, or acquire and/or renovate housing for persons with HIV/AIDS, you must agree to operate those units for the appropriate use period dictated by HOPWA regulations. To ensure that you are able to manage / operate the housing, the City requires that you submit a management/operations plan for the use period. If your program proposes repairs or non-substantial rehabilitation, you must submit a three (3) year management / operations plan. You should provide a ten-year plan if you are requesting funds for substantial rehabilitation (greater than 75% of the value of the property after rehab) or new construction of an SRO or community residence. 12. If you are requesting funds to operate a shelter, please provide a management /operation plan for the period of the proposed grant. 18 City of Memphis 2004 HOPWA Application 13. Please list staff members and positions currently employed by your agency that will be paid with HOPWA funds. Also attach resumes, job descriptions, and salaries as well as other information that demonstrate that the staff have appropriate credentials and experience to carry out the jobs. 14. List new staff positions that will be created to carry out the proposed project. Attach a copy of job descriptions, employment requirements, and proposed salaries for each new staff position to be funded through this grant. Job Titles Qualifications Proposed Salaries 15. If you are awarded HOPWA funds, how do you plan to fund/operate the project after they are spent? What long-range plans do you have for the project? Be specific. 16. If your project does not receive HOPWA funds, or receives less than you are requesting, are specific activities higher priorities for funding than others? Please list them beginning with the highest priority and associated budget amount. 17. Provide a schedule or timetable for implementing your project. Funds will be available on July 1, 2006. 18. If you are proposing a housing activity, have you attached a copy of the Consolidated Plan in which it is mentioned? 19 City of Memphis 2004 HOPWA Application HOPWA GRANT BUDGET Project Sponsor: ________________________________________________________ Project Name: __________________________________________________________ Proposed Funding Period: from ____________ to _____________ A. HOPWA ELIGIBLE ACTIVITIES (list total requested amount for each activity) Housing Information Services Housing Counseling $______________ Fair Housing Services $___________________ Housing Advocacy $______________ Housing Information and Referral $___________ Housing Search and Assistance $_____________ Resource Identification Outreach and relationship building with landlords $_________________ Creating brochures & web resources $_________________ Staff time to locate and identify affordable housing vacancies $_______________ Rental Assistance Tenant based rental assistance $__________ Project based rental assistance $____________ Operating Costs for Housing Property Maintenance $______________ Security $______________ Insurance $______________ Utility Costs $______________ Furnishings $______________ Equipment $______________ Operating Supplies $______________ Salaries $______________ Other $______________ Short-Term Supported Housing Costs of hotels or motels $_______________ Costs of operating emergency or transitional shelters $________________ Short-Term Rent, Mortgage and Utility Assistance Rent, Mortgage and Utility Payments $________________ Acquisition, rehabilitation, conversion, lease and repair of existing housing Acquisition $_______________ Lease $_______________ Architect /Engineer $_______________ Rehab/Conversion/Repair $_______________ New Construction of Housing (SRO and Community Residences) Architect/Engineer $______________ Construction $_________________ Supportive Services Rent & Utility Deposit / First Month's Rent for Homeless $______________ Housing Assessment & Case Management $______________ Permanent Housing Placement $______________ Drug & alcohol abuse treatment / counseling $______________ Mental Health Services $_____________ Other $______________ Administrative Costs (not to exceed 7% of budget) $______________ Total HOPWA Request $______________ 20 City of Memphis 2004 HOPWA Application HOPWA PROJECT BUDGET BUDGETED ACTIVITIES FY 2007 Other Project Total Project HOPWA Budget Funds Budget A. Housing Information Services Salaries & Fringes 3rd Party Contracts Other B. Resource Identification Salaries & Fringes 3rd Party Contracts Other C. Rental Assistance D. Operating Costs for Housing Salaries & Fringes Maintenance Furnishings & Equipment Security Operating Supplies Other (list) E. Short-Term Housing Lease (Hotel / Motel) Rent / Mortgage / Utility Asst. F. Construction/ Rehab of Housing Acquisition of Real Property Lease of Real Property Architect / Engineer Costs Rehab or New Construction Repairs G. Supportive Services Rent / util deposits / 1st Mo. Rent Salaries & Fringes Contract & Professional Services H. Administrative Costs Do not exceed 7% HOPWA budget V. TOTAL EXPENDITURES 21 City of Memphis 2004 HOPWA Application HOPWA BUDGET JUSTIFICATION The Budget Justification is a narrative explanation of the HOPWA funding requested on your program budget. Please itemize costs for each category indicated on the budget as per the following guidelines. The information found in Appendix D is to serve as a guide for the completion of your agency's budget justification. 22 City of Memphis 2004 HOPWA Application APPENDIX A CITY OF MEMPHIS / CONSOLIDATED PLAN FOR HOUSING AND COMMUNITY DEVELOPMENT Fiscal Year 2005-2007 Strategic Plan Special Needs Housing Memphis, in a study written by partners for the Homeless (Pat Morgan, Betsy Friedman, and June Averyt) titled – "FY 2003-2004 Needs Assessments for Special Needs Population": discovered: Most of the special needs population cannot work and their survival depends on either family or public support. Their main source of public monetary support is the supplemental Security Income (SSI), which pays $545 per month. This amount is well below the level required for normal living expenses (for example, the 2003 "Fair Market Rent" in Memphis was $532 per month for a one bedroom housing unit and $624 for a two bedroom unit.) A variety of housing and non-housing services are necessary for these groups. Memphis will use HOPWA and HOME program funds to provide tenant-based rental assistance to persons with AIDS, the severely mentally ill and victims of domestic violence. Efforts will be made to assist the rehabilitation of existing facilities and to support the development of housing to meet the needs of the physically and developmentally disabled, elderly-care homes, and other sub-populations within special needs. In addition to housing assistance, HCD will provide treatment or other support for special needs populations by providing funds for supportive services to social services agencies that are successful in the application for grants via the competitive process. HCD will consider funding requests from agencies and organizations that provide alcohol/substance abuse treatment, crisis intervention for abused children, homemaker services to the elderly, and self-sufficiency counseling for the mentally ill. SPECIAL NEEDS POPULATIONS The City of Memphis Division of Housing and Community Development contracted with Partners for the Homeless to produce the FY 2003-2004 Needs Assessment for special Needs Populations This document identifies seven special needs populations: HIV/AIDS, Mentally Ill, Elderly, Chronic Substance Abusers, Developmentally Disabled, Physically Disabled, and Victims of Domestic Violence (the Elderly category also includes the Frail Elderly.) Based upon information available, each sub-population for the special needs population has been estimated. For the next three years, priority needs have been established and objectives have been set based upon the priority 23 City of Memphis 2004 HOPWA Application needs. Services and facilities available to serve the special needs populations and strategies to respond to priority needs are presented below. Priority needs, services and program available, and strategies to respond to priority needs are based upon the needs assessment and consultation. Consultation occurred through a technical advisory panel meeting, which brought together service providers in a group setting and discussion was facilitated to reach consensus on needs, objectives and priority needs. The following section describes and presents the estimate of the special needs population, an inventory of programs and services available the priority needs, the objectives, the strategies, and the three-year performance measures. HIV/AIDS Population Estimate of the HIV/AIDS Population: According to the Shelby county Health Department, there are 1,542 cases of AIDS and 4,102 cases of HIV reported in Memphis since 1998. The Health Department also reports that on average, there are 273 new AIDS cases and 573 new HIV cases reported each year in Memphis. Inventory of Programs and Services: The City of Memphis administers Housing Opportunities for Persons With AIDS (HOPWA) funds to several different agencies. Family Services of the Mid-South is a grant recipient who received HOPWA funds to provide an intensive case management program and to provide short term rental assistance and supportive services programs. Sacred Heath Southern Missions is another agency who provides short term rental assistance, utility assistance and supportive services to DeSoto County, Mississippi residents. Friends for Life operates Aloysius Home, a permanent and transitional housing program. The City of Memphis proposes to continue to use HOME funds to provide tenant-based rental assistance to persons living with HIV/AIDS. HIV/AIDS Priority Needs: In Shelby County, there are a variety of services available to persons with HIV/AIDS. Because services are limited in availability and scope, a high priority is given to low- income housing, emergency/transitional housing, and rent and utility assistance for persons with HIV/AIDS. Transportation is given medium priority. Low priority needs include access to childcare, substance abuse treatment, and mental health services. HIV/AIDS Objective: To improve the self-sufficiency of persons with HIV/AIDS through supportive services and permanent housing. HIV/AIDS Strategies: Continue to develop a full range of housing activities for persons with HIV/AIDS, especially women with children 24 City of Memphis 2004 HOPWA Application Support advocacy groups that serve children infected or affected by HIV/AIDS Create additional units available to persons with HIV/AIDS who are head of household through HOME Tenant-Based Rental Assistance (TBRA) Three-Year HIV/AIDS Performance Measures: Develop permanent housing coordinated with supportive services for persons with HIV/AIDS 25 units Develop rental assistance program or otherwise supportive housing units for women with HIV/AIDS and their children 30 units Create additional units that utilize TBRA 60-75 units Fiscal Year 2006 Annual Action Plan NON-HOMELESS SPECIAL NEEDS POPULATIONS Introduction Special needs populations were classified into seven different categories. The categories are HIV/AIDS, Mentally Ill, Elderly, Chronic Substance Abusers, Developmentally Disabled, Physically Disabled, and Victims of Domestic Violence. Elderly needs include the Frail Elderly. A needs assessment for "special needs" persons in Memphis was produced by Partners for the Homeless for FY 2003-2004. The following are key findings of that study: Most of the special needs population cannot work and their survival depends on either family or public support. Their main source of public monetary support is the Supplemental Security Income (SSI), which pays $545 per month. This amount is well below the level required for normal living expenses (for example, the 2003 "Fair Market Rent" in Memphis was $532 per month for a one bedroom housing unit and $624 for a two bedroom unit.) A variety of housing and non-housing services are necessary for these groups. Priority needs, existing services and programs, and strategies to respond to priority needs were reached based upon input received through research and consultation with agencies that serve special needs populations. Consultation with service providers included planning session groups. The planning session groups brought together service providers in a group setting and discussion was facilitated to reach consensus on the needs and priority needs of special needs populations. 25 City of Memphis 2004 HOPWA Application Resources Funding for most projects and programs is awarded through a competitive process known as the Strategic Community Investment Funds (SCIF). SCIF makes funds available annually on a competitive basis and funds are awarded to eligible nonprofit, for-profit, faith-based, and other organizations to implement public service, community and economic development programs. The funds available through this process are awarded to programs that benefit low and moderate income persons of Memphis as defined by HUD's income criteria. SCIF is modeled after the U.S. Department of Housing and Urban Development's SuperNOFA process and is intended to simplify the competitive funding process. Housing Opportunities for Persons With AIDS (HOPWA) funds are used for supportive services, rental, mortgage and utility assistance. Tenant-Based Rental Assistance (TBRA – HOME funds), are accounted for under "Housing" and used accordingly. The following section presents the priority needs, objectives, strategies, and one-year performance measures for each of the seven special needs populations. The proposed projects reflect actions to address the Memphis priority needs balanced by the quality of applications received through the SCIF process. HIV/AIDS Population HIV/AIDS Priority Needs: According to the Shelby County Health Department, there were 3,653 cases of AIDS and 2,658 cases of HIV reported in Memphis (as of 12/31/2003). The Health Department also reports that on average, there are 276 new AIDS cases and 573 new HIV cases reported each year. In the general population HIV/AIDS was reported as a primary handicap for two primary caregivers in families with children. However, given that the fastest growing HIV/AIDS population is African American women, and that 87 percent of homeless families in Memphis are headed by an African-American woman, this statistic reflects a "don't ask, don't tell" policy. In addition, as reported in the 2003 Needs Assessment for Persons Living with HIV/AIDS, 2,935 people diagnosed with HIV/AIDS have incomes of less than $10,000 per year and are living in dire poverty. The prevalence rate for HIV positive adults is seven percent, thus it can be estimated that that 125 homeless individuals are HIV positive. Within the Continuum of Care System, two participating programs serve only homeless individuals with HIV/AIDS with a waiting list of 40 persons and 12 beds of emergency/transitional housing and supportive services specifically for homeless, unaccompanied individuals with HIV/AIDS in 2004. Affordable housing, emergency/transitional housing, and rent and utility assistance for persons living with HIV/AIDS are given a high priority. HIV/AIDS Objective: To improve the self-sufficiency of persons with HIV/AIDS through supportive services and 26 City of Memphis 2004 HOPWA Application permanent housing. Strategies: Continue to develop a full range of housing activities for persons with HIV/AIDS individuals, including emergency and short-term rental, mortgage and utility assistance and women with children Provide rental assistance to persons with HIV/AIDS who are head of household through HOME Tenant-Based Rental Assistance (TBRA) FY 2006 Performance Measures: Fund emergency shelter programs, with supportive services for persons with 12 units HIV/AIDS Fund short-term rental, mortgage and utility assistance program 15 persons Provide TBRA with supportive services for individuals and families with 35 units AIDS/HIV Proposed Project(s): Family Services MHA Special Needs/Homeless Match (Continuum of Care) 27 City of Memphis 2004 HOPWA Application APPENDIX B CURRENT INCOME LIMITS (as of February 2005) Fayette, Shelby and Tipton Counties in Tennessee, Crittenden County in Arkansas and DeSoto County in Mississippi 80% Median 50% Median 30% Median FAMILY SIZE Family Income Family Income Family Income $32,100.00 $20,050.00 $12,050.00 1 PERSON $36,650.00 $22,900.00 $13,750.00 2 PEOPLE $41,250.00 $25,800.00 $15,450.00 3 PEOPLE $45,850.00 $28,650.00 $17,200.00 4 PEOPLE $49,500.00 $30,950.00 $18,550.00 5 PEOPLE $53,150.00 $33,250.00 $19,950.00 6 PEOPLE $56,850.00 $35,550.00 $21,300.00 7 PEOPLE $60,500.00 $37,800.00 $22,700.00 8 PEOPLE CURRENT INCOME LIMITS (as of February 2005) Marshall County, Mississippi 80% Median 50% Median 30% Median FAMILY SIZE Family Income Family Income Family Income $20,550.00 $12,850.00 $7,700.00 1 PERSON $23,500.00 $14,700.00 $8,800.00 2 PEOPLE $26,400.00 $16,500.00 $9,900.00 3 PEOPLE $29,350.00 $18,350.00 $11,000.00 4 PEOPLE $31,700.00 $19,800.00 $11,900.00 5 PEOPLE $34,050.00 $21,300.00 $12,750.00 6 PEOPLE 7 PEOPLE $36,400.00 $22,750.00 $13,650.00 $38,750.00 $24,200.00 $14,550.00 8 PEOPLE 28 City of Memphis 2004 HOPWA Application CURRENT INCOME LIMITS (as of February 2005) Tate County, Mississippi 80% Median 50% Median 30% Median FAMILY SIZE Family Income Family Income Family Income $25,150.00 $15,700.00 $9,450.00 1 PERSON $28,750.00 $17,950.00 $10,800.00 2 PEOPLE $32,350.00 $20,200.00 $12,100.00 3 PEOPLE $35,900.00 $22,450.00 $13,450.00 4 PEOPLE $38,800.00 $24,250.00 $14,550.00 5 PEOPLE $41,650.00 $26,050.00 $15,650.00 6 PEOPLE $44,550.00 $27,850.00 $16,700.00 7 PEOPLE $47,400.00 $29,650.00 $17,800.00 8 PEOPLE CURRENT INCOME LIMITS (as of February 2005) Tunica County, Mississippi 80% Median 50% Median 30% Median FAMILY SIZE Family Income Family Income Family Income $20,450.00 $12,800.00 $7,650.00 1 PERSON $23,350.00 $14,600.00 $8,750.00 2 PEOPLE $26,300.00 $16,450.00 $9,850.00 3 PEOPLE $29,200.00 $18,250.00 $10,950.00 4 PEOPLE $31,550.00 $19,700.00 $11,850.00 5 PEOPLE $33,850.00 $21,150.00 $12,700.00 6 PEOPLE $36,200.00 $22,650.00 $13,600.00 7 PEOPLE $38,550.00 $24,100.00 $14,450.00 8 PEOPLE 29 City of Memphis 2004 HOPWA Application APPENDIX B (continued) CURRENT FAIR MARKET RENTS FOR Fayette, Shelby and Tipton Counties in Tennessee, Crittenden County in Arkansas and DeSoto County in Mississippi Efficiency 1BR 2BR 3BR 4BR 5BR 6BR Fair Mkt $515 $559 $622 $831 $857 $986 $1114 CURRENT FAIR MARKET RENTS FOR Marshall County, Mississippi Efficiency 1BR 2BR 3BR 4BR Fair Mkt $272 $340 $420 $613 $632 CURRENT FAIR MARKET RENTS FOR Tate County, Mississippi Efficiency 1BR 2BR 3BR 4BR Fair Mkt $346 $401 $446 $625 $783 CURRENT FAIR MARKET RENTS FOR Tunica County, Mississippi Efficiency 1BR 2BR 3BR 4BR Fair Mkt $377 $454 $581 $698 $856 30 City of Memphis 2004 HOPWA Application APPENDIX C (Criteria) HOPWA GRANTS EVALUATION FORM /FY 2007 Proposal No: _____ Applicant _____________________________________________ Project Title: ___________________________________________________________ ___________ APPLICANT CAPACITY (Maximum 20 points) Does the agency have sufficient qualified staff to carry out the project? Does the agency/staff have suitable prior experience serving target population? Does the agency have a positive record of implementing similar projects? Does the agency have capacity for the proposed program vis-a-vis current activities and program commitments? Does the agency have adequate fiscal capacity to implement the project? __________ NEED/ EXTENT OF PROBLEM (Maximum 30 points) Are the needs of the target population and the need for the project described well? Is the project consistent with the priorities described in a Con Plan? Does the application demonstrate the need for the project? Does the project duplicate existing programs and services? Is there a demand for the services? Are there waiting lists, etc.? _________ SOUNDNESS OF APPROACH (Maximum 20 points) Are the services and programs to be offered clearly described as well as the specific target population to be served? Do the proposed services respond to the needs of the population to be served? Are the type and scale of services appropriate for the target population? Does the project propose adequate and appropriate services for the population? Does the application include expected outcomes and specific measures by which the project's success can be assessed periodically? Does the proposed program encourage service coordination with other organizations? ___________ OPERATIONAL FEASIBILITY (Maximum 30 points) Does the application contain clear and complete plans for implementing the project? Is committed funding adequate for implementation of the proposed project? Is the strategy for securing additional support and commitment adequate? Is the proposed staffing and training adequate for the proposed services? Is the project ready to be implemented? How soon? TOTAL POINTS AWARDED __________ 31 City of Memphis 2004 HOPWA Application APPENDIX D INSTRUCTIONS FOR COMPLETING BUDGET JUSTIFICATION The Budget Justification is a narrative explanation of the HOPWA funding requested. Please itemize costs for each category indicated on your budget on page 19 as per the following guidelines. The following information is to serve as a guide for the completion of your agency's budget justification. THE FOLLOWING ARE EXAMPLES ONLY. Short-Term Housing Maximum monthly rent Units of rental assistance Total HOPWA rent request Supportive Services - Rent & Utility Deposits/ First Month's Rent Maximum Rent Deposit Maximum Utility Deposit Maximum Number of Total HOPWA First Units of Cost Month's Rent Service Personnel Costs - Salaries and Fringes: Position No. of Hourly No. of Hours Per Total Cost % charged Total HOPWA Title Positions Wage Pay Period to HOPWA Social Sec. Rate Salary Total Cost % HOPWA Total HOPWA Medicare Health Ins. Pension 32
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You can now invite anyone to meet at your favorite Starbucks.
Limited-time feature
33 year old woman | Irving, TX, USA | Seeking men 27-38 within 50 miles
I am allergic to stupidity and thrive on sarcasm!!
I am a fun-loving island girl! I enjoy dancing, traveling and spending time with friends. I saw the following quote at a place I stayed in Costa Rica and it pretty much sums up my philosophy..."The world is a book, and those who do not travel read only a page." Traveling is one of my favorite things to do. I am an adventurous scaredy cat, if that makes any sense. I have gone white water rafting, cliff diving, zip lining, and parasailing. I love a good adventure, but I am always scared to death when it's time to do it. Then, I do it, and think it's the best moment of my life! I am currently a graduate student and have dedicated the last few years to my studies. I love to laugh and be silly, but know when to be serious. I don't take myself too seriously, no one should! I try to role with the punches, and when life gives me lemons, I try to make a kick butt margarita to take to the beach ;) I am allergic to stupidity and thrive on sarcasm! Gotta be sharp to keep up ;) My favorite word in the english language is SHENANIGANS, because more than likely, if I am not writing a paper or reading a text book, I am up to some sort of shenanigans! My friends would definitely describe me as a social butterfly. I am extremely loyal and value my friendships very much. I am still friends with some people from preschool..no lie! I honor my commitments and stay true to my words. I tend to be on the go a lot, but without a doubt, enjoy the days I can sit home, relax, and do nothing! I am looking for a man who likes to travel and wants to experience the world with me. I am way too old to play games, so I need someone who knows what he wants out of life. He must make me laugh and know how to have fun. Family and my Christian faith are of the utmost importance to me, so I want a companion who shares the same values. I don't believe in soul mates, because I don't believe in fairy tales. I do believe that marriage is a conscious choice that two people make to love and respect one another for the rest of their lives. I am hoping to find that one day!
Coffee and conversation , Dining out , Movies/Videos , Museums and art , Exploring new areas , Nightclubs/Dancing , Performing arts , Religion/Spiritual , Travel/Sightseeing , Volunteering , Wine tasting
I exercise 1-2 times per week.
I like Dogs
Middle of the Road
Pete's Dueling Pianos, Into the Glass, wine bars, comedy clubs
I live to travel, explore new cultures, and learn new languages. I also enjoy the theater and museums. My favorite movie is Titanic as I am a sucker for epic love stories. My guilty pleasures include psychological thrillers such as Criminal Minds.
Traveling is my passion and I get away as much as I can, usually several times a year. When I am stateside I enjoy hanging out with friends, going to movies, seeing plays, trying out good restaurants, going to comedy clubs, and wine tasting.
I have been reading a lot of psych text books lately, as I am graduate student in psychology. This has left little time for pleasurable reads. Most recently I have read The Tenth Circle and The Bluest Eye.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What she is looking for
|5'5" (165cms)
|5'9" (175cms) to 6'11" (210cms)
|Body type:
|No preference
|No preference
|No preference
|No Way
|No Way
|Social Drinker
|Social Drinker
|Education / Teacher / Professor
|No preference
I am a graduate student and teach undergraduate classes at my university.
|I'll tell you later
|$50,001 to $75,000, $75,001 to $100,000, $100,001 to $150,000, $150,001+
|Never Married
|Never Married, Widow / Widower
|Have kids:
|Wants kids:
|Definitely, Someday
|Black / African descent, Other
|Asian, Black / African descent, East Indian, Latino / Hispanic, White / Caucasian, Other
Caribbean/West Indian
|Christian / Catholic
|Christian / Catholic, Christian / Protestant, Christian / Other
My faith is very important to me!! I would love to find someone who is strong in his faith and would enjoy worshiping with me.
|English, French, Spanish
|No preference
|Graduate degree
|Bachelors degree, Graduate degree, PhD / Post Doctoral
Bachelors in Psychology Masters in Social Work Currently pursuing a PhD in psychology

subset: commoncrawl


text:
Featuring: Earl Sweatshirt
Song: Play It Cool
Though it's only Friday, Gangrene sounds easy as Sunday morning as they Play It Cool on their latest record. To celebrate the PC release of Grand Theft Auto V, the legendary underground duo of... More
Posted 4 months ago
Featuring: Roc Marciano
Song: Drink Up
As you'd expect from a group that calls itself Gangrene, the music that's come from The Alchemist and Oh No's joint efforts has been darker than a black hole and dirtier than Gutter Water.... More
Posted 3 years ago
Featuring: Prodigy
Song: Dump Truck
Gangrene's debut album, Gutter Water, may not have sounded too appetizing, but the project itself was so dope that heads everywhere were left thirsty for more. Today, The Alchemist and Oh No... More
Posted 3 years ago
Featuring: Raekwon
Song: Gutter Water
Hip-hop has a long history of flipping words with negative connotations into positives, but I wouldn't in a million years have expected a hip-hop act to attempt to rehabilitate "Gangrene."... More
Posted 4 years ago
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Comments about 'BYU football: CSU transfer Drew Reilly seeks better atmosphere at BYU'
- Oldest first
- Newest first
- Most recommended
Before any of my blue brethren embarrass themselves, obviously the U is a place
where a faithful football player can find spiritual fulfillment. This one
worked out well for us.
Courageously done! Hope to hear good things about you in the future!
- 11:53 a.m. May 2, 2012
- Like (14)
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it's too bad that Norm Chow doesn't have the class of the CSU coach!
- 11:55 a.m. May 2, 2012
- Like (15)
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He will be happy at byu. Glad KWhitt didn't offer him a scholarship. Going from CSU to byu is a lateral move, while trying to earn a spot at Utah would be a challenge.
- 11:55 a.m. May 2, 2012
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Ann Arbor, MI
Interesting. Yet another mormon athlete being stolen away.
Yet, Hedge, and his older brother was "stolen" by Utah.
The kids made an important decision based upon what was in their best interest at this particular time in their lives.
I don't think the word "stolen" is appropriate in these cases... (Unless, you are a negative person, bitter about life, looking to make everthing and everyone around you as dreary as your own pathetic situation...)
- 12:26 p.m. May 2, 2012
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CSU's coach knows that it's about the players...bottom line. Reilly had sincere reasons for wanting to transfer, so I congratulate CSU's coach for keeping his players' best interest in mind.
- 12:27 p.m. May 2, 2012
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Happy for him. I know his family - especially his grandfather and I wish him well. CSU is known as one of the top party schools so I understand his desire to re-locate.
- 12:31 p.m. May 2, 2012
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Even though I'm a BYU fan and BYU got this kid I'm just glad to hear whenever someone today is willing to potentially sacrifice a lot in order to keep true to self and values. Good for him for choosing to change his situation to something that fit with his needs.
- 1:07 p.m. May 2, 2012
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Good for him. At the end of the day, it is about the players...although it would be fun to have another brother duo on the hill!
- 1:28 p.m. May 2, 2012
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Hopefully a coach would be man enough, like CSU's coach, to let a player go
if they asked. Surely it is never a decision that the young man on scholarship
makes on a whim. Beside that, do you really want to use one of your
scholarships on a player if his heart isn't completely in it? A coach that
can't see that frankly needs to grow up.
And I'm glad someone in Miami has enough time on his hands to 1) pay attention to an article about his rival and 2) try to egg on the rival by saying something as stupid as he did!
- 1:30 p.m. May 2, 2012
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I am very happy that Norm Chow is not the BYU coach, or I'd have to change my colors to red.
- 1:51 p.m. May 2, 2012
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Good luck to this RM. He obviously found what he liked in Provo and coach Mendenhall. Like it or not for Ute and BYU fans, some of the young men gravitate to Mendenhall and some to Whittingham. Very different personalities and manners in which they coach the young men they are over. Both have had success where they are and expect good things from their players.
- 2:02 p.m. May 2, 2012
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I don't blame Trevor for sitting out in the parking lot. I mean you
don't want your own coach thinking your recruiting for your former rival.
It was very cool that he let his brother choose.
Pac 12 commish: You ruined a cool story with a stupid comment.
- 2:06 p.m. May 2, 2012
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He's having a tough time living the LDS lifestyle in Colorado???
- 2:28 p.m. May 2, 2012
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Sounds like a good player. Are there any other Reillys in high school?
- 2:33 p.m. May 2, 2012
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"Trevor, who signed with Texas Tech out of high school, found himself at
Utah following his own mission service and encougared Drew to seek out
opportunities at both Utah or BYU in order to find a better fit for him
So this kid's brother transferred from TT to the U after his mission, and then encouraged his brother to leave CSU and look at Utah and BYU. Where is the outrage by Ute fans? How could the U steal an athlete from another program, and how could one of their athletes encourage another to do the same?
Horrible! Criminal! Unconscionable!
Or is it just not OK when it's BYU? Or maybe it's just a fact of life in college football and you should stop making fools out of yourselves by making a big deal out of it when it happens.
- 2:35 p.m. May 2, 2012
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Sounds like a good kid. He should get to play where he wants to play.
Good luck to him.
- 2:39 p.m. May 2, 2012
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Trust me, if you're number 36, your not very good. Just Kidding.
- 2:58 p.m. May 2, 2012
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I'll take BCS athletes over sunday school boys anyday
- 3:03 p.m. May 2, 2012
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As a former student at both CSU and BYU, I can tell you there are huge atmosphere and social differences between the two and that is not a slam on either school. It depends on what you want in your life (or don't want).
- 3:07 p.m. May 2, 2012
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chrisb, better check the results of BCS teams in bowls the past few years before
you bash sunday school boys.
Or are we talking about something else? ahmmm
- 3:15 p.m. May 2, 2012
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1000+ Rentals · Coolangatta
1000+ Rentals · Coolangatta
Brand new luxury 2.5 bedroom fully self contained apartment. Panoramic view of both Ocean and the Gold Coast hinterland. 3 minutes from GC Airport, located beachfront on the beautiful Kirra Beach. All amenities literally at your door step. Learn More
It is a very large & spacious Brand New Apartment, with separate Lounge/Rumpus Room (ideal for kids) with amazing panoramic views of the whole Gold Coast Waterfront & Hinterland (2nd to none). Apartment finished to very high standard with every luxury included even fresh flowers every week. Swimming Pool BBQ & BBQ Area Secure Underground Parking Beach & Surf Phone & Email anytime Most beautiful & relaxed area of the Gold Coast with Iconic Beaches, Chic Coffee Shops, Funky Bars & Restaura...
Closed cosy affordable sleeping Spot! 200 m away from GC airport. Has a single bed, chair, shelves and lamp. Closed and private (Curtain). We provide fresh bed linning and towels. Ideal for backpackers, surftrips or people in transit from the airport. Young travellers encouraged. We are cheaper than any hostel! Learn More
It's private, simple and cosy. Super affordable. Ideal for a quiet private space for people in transit and backpackers. Matress is new, the bed a sommier. Pillows are great! Bathroom, living room, hang out area and fridge. Everything in the house except tenants rooms. Keen on meeting backpackers! (Specially surfers!) all tenants are native spanish speakers. Super quiet, relaxed, a lot of green and no traffic. 50 m from the beach. 200 m from the airport. 10 min walk to Coolangatta centre....
Spacious 2 bedroom self contained newly renovated unit footsteps from Kirra beaches.Walking & cycling distance to heart of Coolangatta- restaurants, cafes, surf clubs, all amenities.5min drive to GC airport.20m to bus service.Comfortably sleeps 4 Learn More
Fully self contained, newly renovated, 2 bedroom unit that sleeps 4 people comfortably. Unit is located just footsteps from beautiful Kirra beach and a short walk to the heart of Coolangatta and all of it's cafés, bars, restaurants and amenities (supermarket, chemist, post office, etc.) Full access to 2 bedroom unit. Laundry available with coin operated washing machine which is shared with other guests. Off street parking available on grass in front of building. We like to let you have yo...
Comfortable, private room with your own personal ensuite and entrance. Beautifully renovated apartment located just 30 seconds from the world class surfing beaches of Snapper Rocks and Duranbah. Relax in this incredible beachside location! Learn More
Located smack bang in the middle of Snapper Rocks, Kirra and Duranbah you are spoiled for choice when it comes to waves, food and relaxation! Within a short 5 minute drive from Coolangatta international airport, you will enjoy the ultimate, no fuss, surfing and sightseeing holiday. Right across the road you will be spoiled at Cafe Dbar and Gallery. They will have you drinking, dining and caffeinated without even thinking about a taxi! Once you are done with breakfast you can stroll across...
Open the balcony doors to your private luxurious Queen size bedroom and take in the stunning 180 degree Pacific Ocean views. The huge sundrenched balcony is the perfect place to have breakfast or just relax. Beautiful Kirra Beach is waiting for you! Learn More
The apartment is so spacious you will have total privacy and every convenience. Choose between TWO BEDROOMS. One Queen Size bed in one bedroom or King singles/King bed in the other. There is one bathroom to share between these two rooms. Share the living room,dining room and kitchen with us. Our bedroom and ensuite are at the opposite end of the apartment. The apartment is perfect for the more mature traveller rather than families with young children. Cafe on site and many more restau...
Our new apartment in Coolangatta on the Gold Coast is awesome , its quiet and yet in walking distance to world class surf breaks, gourmet restaurants, Cafes, Clubs and shopping. We are a 5 min drive from the Airport and have secure parking :) Learn More
We have a nice quiet location in Coolangatta that is walking distance to the some of the best surf breaks on the east coast of Australia.. Kirra and Snapper Rocks and only 5 min via car from Gold Coast International Airport. We are walking distance to an array of gourmet Cafes, restaurants and clubs. Coolangatta is a cool place to hang out in for a while :) We have a nice living space to share with our guests including a modern kitchen to utilise if required and a lovely outdoor area fo...
7 min walk to Kirra beach , close to restaurants and Airport .Comfortable cottage with cool breezy outdoor bbq area and small yard ,small pets considered.Air conditioned plus fans in each room . All the comforts of home .Two queen size beds one single with trundle .sleeps 6.Perfect family holiday house. Learn More
Open lounge /dinning /kitchen. 3 spacious bedrooms ,two with queen beds one with single plus trundle. Separate laundry with washer and dryer and extra toilet . Cool relaxing outdoor area at back of house and sunny deck at front . The entire house , outdoor area and small yard are yours to enjoy . On street parking only . We live at the back of the property ,totally separate dwellings . I'm always contactable and happy to help with anything you need , but your privacy is always respected ...
You couldn't ask for a better location: a 5 minute stroll takes you to the gorgeous Coolangatta beach, with restaurants, bars, cafes and shops. Twin Towns is just 5 minutes away. The room is nice and spacious, with a comfy queen bed, fan and wifi :) Learn More
The double room is spacious, cozy and clean. It has built ins, a comfy Queen size bed, air-conditioning and pidestal-fan. We also have Wifi :) Feel at home, make brekky in our kitchen, say hello to our chickens and hang out in our sun room overlooking Goodwin Park :) Its lovely! Your welcome to coffee and tea, including a wide range of lovely herbal teas. Your also welcome to use our kitchen, dining, sun room, as well as our little back yard. Laundry is available for a small fee (2 dollars...
This great location is a short walk to world-class surfing beaches, cinemas, restaurants, cafes, public transport, Gold Coast airport. There are many gorgeous breakfast cafes nearby so we don't provide breakfast. Dog sitting happily provided! Learn More
The pool level area of our property features 2 bedrooms with queen sized beds suitable for 2 couples. There is also a single bed in the living area. The living area has a comfortable sofa and 2 chairs, a desk, a simple kitchen with refrigerator and microwave oven, and toaster oven, separate bathroom and toilet. Wifi throughout. Guests have full private access to the pool level of our property. Arie and I live upstairs with our 13 year old Jack Russell dog named Jet. We are available upsta...
Stunning 2 bedroom with en suites penthouse. kitchen/dining/TV room.2nd bedroom can be singles or double bed. Amazing views and situated between Kirra and Coolangatta give easy access to both areas. Cafes, restaurants, woolworths, shops and cinemas. Learn More
Stunning 2 bedroom with en suites penthouse. 2nd bedroom can be singles or double bed. Amazing views and situated between Kirra and Coolangatta give easy access to both areas. Cafes, restaurants, woolworths, shops and cinema are all just minutes walk away. Information regarding access to Grande Corniche will be given to you once you have booked. In peak holiday season there is a minimum of 5 nights unless guest are booked in either side of your booking. Then if it is less we will excep...
Cool, clean, quiet yet so close to the action. Unit has the lot - kitchen, laundry, deck out front, courtyard out back and just a stone's throw to Coolangatta and Kirra beaches, Snapper Rocks, Greenmount, D'bah, shops and restaurants. Great space! Learn More
Self-contained and fully equipped. Our tastefully furnished, one-bedroom unit sits beneath the family home - a lovely old Queenslander with views to the Pacific. Enter through the tropical garden beneath a giant Poinsettia tree. Flip on the air-con and TV and breath in the cool quiet sea air, cook up a storm, share a drink on the deck, fire up the barbie out back. It's all yours. Front deck, kitchen, lounge, bedroom, bathroom, laundry, courtyard. Share the front and back gardens with the ...
My surf shack is located at the beach of Kirra, 1min walk to the famous Kirra break. It's a surfer's paradise, only a few minutes from the Superbank. Beach is across the road. Wifi available. Shops & cafes around the corner. Only space for one guest Learn More
The building is old but has lots of ambience. High ceilings, wooden flooring, French doors, and always a nice sea breeze. I am happy to play the tour guide for you and show you around. I love going to new places or try new things. I enjoy hiking in the hinterland or hanging out on the beach. Kirra is a 5min walk from Coolangatta. You will be pretty independent by walking but there are also busses available. The neighbourhood offers lots of nice restaurants and cafes to hang out. There...
Big house in gated community with secure parking. Wifi available for a small usage fee negotiable depending on use. Learn More
Very quite and friendly. 24 hour access. what ever amount of interaction the guest would prefer. I love the birds singing Close to Beaches, Uni, Transport Wifi is available for a small negotiable fee.
Beach house seaside resort is right across the road from the beach, stay in peak school holiday periods of September & January each year (see calendar). 2 bedroom self contained apartment is available. Full kitchen & laundry facilities included Learn More
The 2 bedroom unit has a main bedroom with queen sized bed and en-suite, a second bedroom with 2 single beds and a couch with converts into a double bed in the lounge room. There is a large balcony overlooking the beach. It is air conditioned and newly renovated. Underground security parking is available at no additional charge. Lift access is available to all levels. A shuttle bus can be booked to transport you from the airport or to theme parks. Please ask costs for these and other day t...
Pacific Ocean accross the road. Snapper Rocks famous surf beach. Rainbow Bay. Twin Towns RSL and Tweed Heads Bowling club. Resturants and pubs all in walking distance. Park your car in garage for the holidays. Learn More
Across the road is council provided swings and activities. World famous beaches are within metres of Calypso. Calypso Resort is a family friendly resort with all resort facilities. Spa, sauna, gym, swimming pool with life guard, water slides. Guests are escorted to the room and given tips and ideas on entertainment in the area and restaurant and bar locations. Resort offers the most relaxed stay. Air-conditioned rooms. Restaurants and grocery shopping within 100 metres. Movie theat...
Winter getaway special for the month of June-$90 a night. Beautiful beach styled unit in Coolangatta. A small unit complex with a wrap around balcony, pool and close walk to Australia's best beaches this is the perfect oasis for your holiday. Learn More
Two options available for this wonderful holiday living. Option one: Share this beautiful two bedroom/two bathroom unit with me at a reduced rate. You will have your own bedroom and bathroom with toilet, basin, shower and bath as well as access to the whole unit including wrap around balcony and pool. I work full time so I'm not home too often. Option two: One bedroom and bathroom but you will have the whole unit to yourself for extra privacy. There is also a sofa bed if you would like ad...
Right on top of the Coolangatta hill, arguably the best spot on the Gold Coast, Collangatta has it all. The studio is walking distance to the beach, cafe's and shops and town centre. If your going to visit the Gold Coast, Coolangatta is a must see destination. This studio has private (guest only) entrance access via the courtyard but is part of a larger 2 bedroom apartment. Studio can be accessed without entering the apartment and with a mini bar fridge in your room, the studio is self-cont...
Apartment located in central Coolangatta, just a short stroll away from the renowned Coolangatta Beach. Relax in the Treehouse style living room, enjoy a coffee or lunch on the balcony or take a dip in the swimming pool. Learn More
As little or as much as you would like. If you feel like a guide I am happy to provide any tours advice and show you around the area however if you would like your space and time out, that is fine too :). We love waking up to the sound of birds and seeing the sunrise in the morning as well as the light breeze that comes through at the breakfast table. We also love jumping into the swimming pool for a afternoon cool down :). The bus is a 10 minute walk away and the shops are equal walkin...
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Eh? Send your dress to work
Published 02/28/2012, Duluth News Tribune
Dressbarn stores in Duluth and nationwide are collecting everything from blazers to blouses for the Dress for Success program to assist women job-seekers who need help with their wardrobes.Word count: 81
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