From stewart at oweesta.org Tue Jun 3 21:18:14 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Tue, 3 Jun 2008 19:18:14 -0600 Subject: [CircleUp] CDFI Fund Research Conference References: Message-ID: <82182B01DBD600448F4C7D2631BA1BFE02687E@SERVER1.fnoc.internal> Note: this conference includes presentation of Native CDFI paper... The CDFI Fund is pleased to invite you to its CDFI Fund Research Conference on June 24, 2008. The conference will take place at the Westin Washington DC City Center Hotel. Presentations will include briefings from recipients of the CDFI Fund's Research Initiative. Highlights include presentations on the following topics: - CDFIs and the subprime mortgage market; - Reaching underserved markets through CDFIs; - Institutional development and sustainability of CDFIs, including Native CDFIs; and - CDFIs and rural markets. Conference Location: The conference will be held at the Westin Washington DC City Center Hotel located at 1400 M Street, NW, Washington, DC 20005. Lodging Information: A block of sleeping rooms has been reserved at the Westin Washington DC City Center Hotel located at 1400 M Street, NW, Washington, DC 20005 for use of conference participants at a rate of $201/single and $231/double per night, plus tax. Please call 202-429-1700 to make your reservation, and specify "Dept. of Treasury Research Meeting" in order to receive the special conference rate of $201/single or $231/double plus tax. The room rate will expire on June 6, 2008 so please make your room reservation early, as space is limited, and we cannot guarantee availability or this special rate. Copy and Paste the link below into your web browser to register for this event. https://guest.cvent.com/EVENTS/Register/IdentityConfirmation.aspx?e=5d16cf29-a4a9-4cee-887f-213a22038133 _________________________________ ----------------------------------------- This message may contain privileged and confidential information intended solely for the addressee. Please do not read, disseminate or copy it unless you are the intended recipient. If this message has been received in error, we kindly ask that you notify the sender immediately by return email and delete all copies of the message from your system. Thank you. -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080603/46123f8d/attachment.html From mercierb at cdfi.treas.gov Tue Jun 3 14:11:18 2008 From: mercierb at cdfi.treas.gov (Mercier, Bryan) Date: Tue, 3 Jun 2008 14:11:18 -0400 Subject: [CircleUp] FW: Tribal UCC Workshop - June 24 Message-ID: <94089501F1F07B4CA5810B6F97206808023507F3@email.cdfi.treas.gov> FYI... Bryan Mercier direct: 202.622.8704 -----Original Message----- From: Walker, Teresa J - DFI [mailto:Teresa.Walker at dfi.wisconsin.gov] Sent: Monday, June 02, 2008 4:09 PM To: Walker, Teresa J - DFI Subject: Tribal UCC Workshop - June 24 Importance: High Good afternoon, At the past conference and meeting of the WI Indian Business Alliance, it was noted by our office that there is a need for a workshop to explain Uniform Commercial Code (UCC) and the options open to the tribes. On June 24, a workshop will be held regarding this. Details are attached. The workshop is sponsored by the WI Indian Business Alliance, Godfrey & Kahn SC and the WI Dept. of Financial Institutions. If you would like to attend, please complete the registration form and either email or fax it to me by no later than June 18. If you have any questions, please do not hesitate to contact me. Teresa Walker Teresa J. Walker Please note new email address: teresa.walker at wisconsin.gov Office of Financial Literacy Wisconsin Department of Financial Institutions 345 W Washington Ave 5th Fl (53703) PO Box 8041 Madison WI 53708-8041 (608) 267-1713 Fax (608) 261-4334 www.FinLitWI.org www.wdfi.org National Institute of Financial & Economic Education 2008 Registration Opening Soon!! www.wdfi.org/ymm/semandevents/education_series.htm Money Smart Week Wisconsin (tm) October 12 - 18, 2008 Be Money Smart. Check It Out! www.moneysmartwi.org This message and any attachments may contain confidential or privileged information and are only for the use of the intended recipient of this message. If you are not the intended recipient, please notify the sender by return email, and delete or destroy this and all copies of this message and all attachments. Any unauthorized disclosure, use, distribution, reproduction or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited and may be unlawful. -------------- next part -------------- A non-text attachment was scrubbed... Name: UCC Tribal Workshop_Final.pdf Type: application/pdf Size: 63363 bytes Desc: UCC Tribal Workshop_Final.pdf Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080603/0be35d6a/attachment-0001.pdf From stewart at oweesta.org Mon Jun 9 11:19:41 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Mon, 9 Jun 2008 09:19:41 -0600 Subject: [CircleUp] =?iso-8859-1?q?Protect_=2475_million_in_downpayment_as?= =?iso-8859-1?q?sistance=3A=A0Oppose_Federal_Housing_Finance_propos?= =?iso-8859-1?q?al?= Message-ID: <82182B01DBD600448F4C7D2631BA1BFE223BF9@SERVER1.fnoc.internal> Protect $75 million in downpayment assistance: Take Action! Oppose Finance Board proposal Take Action! Comments due June 16! Submit comments opposing the reallocation of downpayment assistance for low and moderate income homeowners. Click TAKE ACTION above right to send a letter. Background On April 16, the Federal Housing Finance Board issued a proposed rule permitting each of the nation's 12 Federal Home Loan Banks (FHLBanks) to reallocate up to 35% of its annual required Affordable Housing Program (AHP) contribution from support for homeownership to foreclosure prevention. Currently, the FHLBanks are able to use up to 35% of their AHP for homeownership. To date, the FHLBanks have provided more than $297 million to assist 67,103 primarily first-time homebuyers. AHP funds are used for downpayment assistance, closing costs, counseling costs, etc. The Finance Board requests comments on their proposal to permit FHLBanks' member financial institutions to use AHP funds to refinance or restructure mortgages for families who own nontraditional or subprime owner-occupied mortgage loans that are due to reset to higher interest rates. CFED maintains that financial institutions that made such risky loans can reset the interest rate themselves without taking limited downpayment subsidies from nearly 10,000 low- and moderate- income households. These families rely upon AHP to leverage IDA savings. Comments are due June 16, 2008. If you no longer wish to receive mail from us, please click here . ________________________________ -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080609/c9ed14bd/attachment.html From stewart at oweesta.org Tue Jun 10 19:01:32 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Tue, 10 Jun 2008 17:01:32 -0600 Subject: [CircleUp] To Blog or Not To Blog?... Message-ID: <82182B01DBD600448F4C7D2631BA1BFE223D9D@SERVER1.fnoc.internal> Please see this discussion on blogs, blogging and bloggers, THAT IS web logs, a newer form of communication, networking and marketing. Users of this listserve and the Our Native Circle site (www.ournativecircle.org) have been telling us to use the blogs and forums more, but we are wondering how people feel about using them as our uptake from the community has been limited in the past. Check out the discussion: http://www.socialedge.org/discussions/marketing-communication/to-blog-or -not-to-blog-1 on the Social Edge site and see the blogs and forums right on the home page at Circle. What do you think out there in Our Native Circle land? Input, ideas and BLOG POSTINGS on the site are welcome! Stewart Stewart Sarkozy-Banoczy Vice President and COO Oweesta Corporation 1010 Ninth Street, Suite 3 Rapid City, SD 57701 (605) 342-3770 ph (605) 342-3771 fx stewart at oweesta.org www.oweesta.org www.nfec.info www.ournativecircle.org ATTN: OWEESTA'S OFFICES ARE MOVING 6/13/08 Please update our contact information with: Oweesta Corporation 910 5th Street, Suite 101 Rapid City, SD 57701 SAVE THE DATE - 5th Annual Native Financial Institution CONVENING & AWARD CEREMONY ALBUQUERQUE, NM - DECEMBER 9-12, 2008 (Taking place as part of the Opportunity Finance Network's Annual Conference) The Native Financial Instution Convening and Awards Ceremony serves as a catalyst for learning and sharing - join your peers for the pre-conference Convening, the Native training track, and the award ceremony that honors the work of two innovative and visionary Native CDFIs. This event is for Native institutions, practitioners, leaders, tribal programs, tribal housing authorities, their partners and others committed to asset building and creating wealth in Native communities! -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080610/443489c1/attachment-0001.html From stewart at oweesta.org Wed Jun 11 11:19:40 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Wed, 11 Jun 2008 09:19:40 -0600 Subject: [CircleUp] VITA Matching Grant Program- opens July 1 Message-ID: <82182B01DBD600448F4C7D2631BA1BFE223DF1@SERVER1.fnoc.internal> IMPORTANT INFO FOR NATIVE VITA (VOLUNTEER INCOME TAX ASSISTANCE) SITES, INCLUDING NATIVE CDFIS, HOUSING AUTHORITIES, TRIBAL PROGRAMS, NONPROFITS, ETC.! CONTACT PATSY SCHRAMM OF THE NATIVE FINANCIAL EDUCATION COALITION.... edgpj at aol.com FOR MORE INFO AND SEE ATTACHED DOCUMENT. Please see the attached Publication 4680 for just-released information about the new VITA Matching Grant program. Highlights: Opens July 1; closes September 2 Awards to be made between mid- and late October Open to tribal governments and nonprofit organizations Note: for small, isolated communities, it will be important to include the size of your community and the distance from other VITA services as well as any local collaborations and/or partnerships, even if intra-tribal, such as different tribal components providing VITA, IDAs, financial education, etc. Patsy Schramm NFEC EITC Committee Facilitator -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080611/d64bfcfb/attachment-0001.html -------------- next part -------------- A non-text attachment was scrubbed... Name: pub_4680[1].pdf Type: application/pdf Size: 1180019 bytes Desc: pub_4680[1].pdf Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080611/d64bfcfb/attachment-0001.pdf From chrystel_aurora at msn.com Wed Jun 11 12:00:18 2008 From: chrystel_aurora at msn.com (Chrystel Cornelius) Date: Wed, 11 Jun 2008 11:00:18 -0500 Subject: [CircleUp] Question Regarding Technical Assistance for Entrepreneurs Message-ID: Hello, I have a question regarding the practices of other CDFI's in regards to determining the amount of technical assistance needed for business lending activities. Our program and our partners who will be providing the TA needed for business lending are currently developing the schedule for the entrepreneurship courses for our tribal members. My question, we realize that when a potential client has no former business training they will be required to partake in the full training course which we have required a full 32 hours in which to develop their business plan and financials associated with their endeavor . But, when we have clients that have already taken business training or are currently running a business and wish to expand or purchase further equipment, how do you gage the amount of TA needed for that endeavor? We were thinking of developing a checklist of some sort, or some type of 'test out' meckinisim to determine their specific needs. For all those CDFI's who are already lending and providing these services, I would really appreciate comments and/or materials that your institutions have used to determine the TA needed for existing business, or clients with a background in operating a business. One of my concerns is that if we do have clients with an education in any sort of the business realm, that doesn't really mean they have the capability to actually run a business, or the education needed to be successful in that event. Again, any and all responses would be much appreciated, thanks for your time and consideration. Chrystel CorneliusExecutive DirectorTurtle Mountain CDFI701-477-5811 Office701-477-9673 Fax _________________________________________________________________ Instantly invite friends from Facebook and other social networks to join you on Windows Live? Messenger. https://www.invite2messenger.net/im/?source=TXT_EML_WLH_InviteFriends -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080611/6a941d34/attachment.html From mike at atniedc.com Wed Jun 11 13:19:47 2008 From: mike at atniedc.com (Michael Burton) Date: Wed, 11 Jun 2008 10:19:47 -0700 Subject: [CircleUp] Question Regarding Technical Assistance for Entrepreneurs In-Reply-To: References: Message-ID: At the risk of starting a runaway thread here I'm choosing to reply to the group as part of a forum type discussion. This is an issue we're working through as well so input from the larger group could help us. If there isn't general interest, perhaps just reply direct to Chrystel and me. We've been debating this, particularly for our micro loan program. For out mainstream customers, say $10's of thousands up to our cap of about $200K we are willing to deal with this on a case by case basis and make a judgement. But we're trying to figure out how to deliver a micro loan program in an affordable way. The challenge as we see it is that loan costs are essentially fixed. We operate on program income which is right at break-even. While we absorb our staff costs we do charge our borrowers for out of pocket costs. That means that for a $3,000 project for a new camera for a photo shop the cost of a loan from us is prohibitive while it is a small charge for the guy buying a $150,000 log truck. But there are a lot of those small projects out there so we need to find a solution. Part of it is to control our time investment as well as the out of pocket expenses. So we started working up a micro loan program with minimal costs for us--basically the credit card model used by banks for very small loans. We've queried NW Tribal Credit offices, Small Business Development Center/ONABEN Indianpreneurship counsellors, tribal Economic Development staff, etc. Finally getting to the question at hand, I started out assuming that we'd require a referral from something like an SBDC. But some tribal staff challenged that assumption--say someone has a kraft product they're selling out of their kitchen or garage. They've got a track record. One of my customers for a start up venture has a day job as an internationally recognized carver. He's been making a living from that for about 30 years. I can't challenge that he has found a successful model. Why require a trip to some remote SBDC where (at least in Oregon) they might be pushed toward an associates degree program? (Just in case someone from here is reading I need to qualify--the best centers try to assess a clients need and address that need. But the staffing formula for the Community Colleges that typically host the SBDC's are based on a student FTE formula that can put a lot of pressure on rolling people into the regular program.) And my carver ain't going to drive 1 1/2 hours one way to take a class on how to sell his product. So we're close to some sort of sign-off that would recognize relevant Business (as in Business School) competency that would likely be a referral from a recognized program or a degree, but there could be exceptions like the one mentioned above. I'm interested in the take of other operators and the solutions you may have come up with. Michael Burton ATNI EDC/Financial Services 18230 Frost Rd. Dallas, OR 97338 503-917-0550 (v) 503-623-4714 (fax) On Jun 11, 2008, at 9:00 AM, Chrystel Cornelius wrote: > Hello, > > > I have a question regarding the practices of other CDFI's in > regards to determining the amount of technical assistance needed > for business lending activities. Our program and our partners who > will be providing the TA needed for business lending are currently > developing the schedule for the entrepreneurship courses for our > tribal members. > > My question, we realize that when a potential client has no former > business training they will be required to partake in the full > training course which we have required a full 32 hours in which to > develop their business plan and financials associated with their > endeavor . But, when we have clients that have already taken > business training or are currently running a business and wish to > expand or purchase further equipment, how do you gage the amount of > TA needed for that endeavor? We were thinking of developing a > checklist of some sort, or some type of 'test out' meckinisim to > determine their specific needs. > > For all those CDFI's who are already lending and providing these > services, I would really appreciate comments and/or materials that > your institutions have used to determine the TA needed for existing > business, or clients with a background in operating a business. > One of my concerns is that if we do have clients with an education > in any sort of the business realm, that doesn't really mean they > have the capability to actually run a business, or the education > needed to be successful in that event. > > Again, any and all responses would be much appreciated, thanks for > your time and consideration. > > > > Chrystel Cornelius > Executive Director > Turtle Mountain CDFI > 701-477-5811 Office > 701-477-9673 Fax > > > > > > > > Instantly invite friends from Facebook and other social networks to > join you on Windows Live? Messenger. Invite friends now! > _______________________________________________ > CircleUp mailing list > CircleUp at lists.ournativecircle.org > http://lists.ournativecircle.org/mailman/listinfo/ > circleup_lists.ournativecircle.org -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080611/3189d4fa/attachment.html From David at Oweesta.org Thu Jun 12 08:36:47 2008 From: David at Oweesta.org (David Fleming) Date: Thu, 12 Jun 2008 06:36:47 -0600 Subject: [CircleUp] Question Regarding Technical Assistance forEntrepreneurs References: Message-ID: <82182B01DBD600448F4C7D2631BA1BFE1C4C29@SERVER1.fnoc.internal> The checklist idea seems to be a good place to start Chrystel. I agree with Micheal and it really should be case by case and the checklist or whatever tool you use to gauge business competancy shouldn't be the same for everyone. For example a person starting a coffee cart in the mall doesn't need as much business training as a person expanding an existing larger business. The amount of TA required would be determined by the needs of the borrower in relation to the business plan. Costs can be recovered through interest on the loan, in which case everybody pays for the TA to some degree. If you're risk pricing, the amount of TA delivered can also be taken into consideration. The only other alternative I see is to charge for the training, but that could discourage borrowers. Micheal, how do borrowers react to out-of-pocket charges? David Fleming ________________________________ From: circleup-bounces at lists.ournativecircle.org on behalf of Michael Burton Sent: Wed 6/11/2008 11:19 AM To: Chrystel Cornelius Cc: circleup at lists.ournativecircle.org Subject: Re: [CircleUp] Question Regarding Technical Assistance forEntrepreneurs At the risk of starting a runaway thread here I'm choosing to reply to the group as part of a forum type discussion. This is an issue we're working through as well so input from the larger group could help us. If there isn't general interest, perhaps just reply direct to Chrystel and me. We've been debating this, particularly for our micro loan program. For out mainstream customers, say $10's of thousands up to our cap of about $200K we are willing to deal with this on a case by case basis and make a judgement. But we're trying to figure out how to deliver a micro loan program in an affordable way. The challenge as we see it is that loan costs are essentially fixed. We operate on program income which is right at break-even. While we absorb our staff costs we do charge our borrowers for out of pocket costs. That means that for a $3,000 project for a new camera for a photo shop the cost of a loan from us is prohibitive while it is a small charge for the guy buying a $150,000 log truck. But there are a lot of those small projects out there so we need to find a solution. Part of it is to control our time investment as well as the out of pocket expenses. So we started working up a micro loan program with minimal costs for us--basically the credit card model used by banks for very small loans. We've queried NW Tribal Credit offices, Small Business Development Center/ONABEN Indianpreneurship counsellors, tribal Economic Development staff, etc. Finally getting to the question at hand, I started out assuming that we'd require a referral from something like an SBDC. But some tribal staff challenged that assumption--say someone has a kraft product they're selling out of their kitchen or garage. They've got a track record. One of my customers for a start up venture has a day job as an internationally recognized carver. He's been making a living from that for about 30 years. I can't challenge that he has found a successful model. Why require a trip to some remote SBDC where (at least in Oregon) they might be pushed toward an associates degree program? (Just in case someone from here is reading I need to qualify--the best centers try to assess a clients need and address that need. But the staffing formula for the Community Colleges that typically host the SBDC's are based on a student FTE formula that can put a lot of pressure on rolling people into the regular program.) And my carver ain't going to drive 1 1/2 hours one way to take a class on how to sell his product. So we're close to some sort of sign-off that would recognize relevant Business (as in Business School) competency that would likely be a referral from a recognized program or a degree, but there could be exceptions like the one mentioned above. I'm interested in the take of other operators and the solutions you may have come up with. Michael Burton ATNI EDC/Financial Services 18230 Frost Rd. Dallas, OR 97338 503-917-0550 (v) 503-623-4714 (fax) On Jun 11, 2008, at 9:00 AM, Chrystel Cornelius wrote: Hello, I have a question regarding the practices of other CDFI's in regards to determining the amount of technical assistance needed for business lending activities. Our program and our partners who will be providing the TA needed for business lending are currently developing the schedule for the entrepreneurship courses for our tribal members. My question, we realize that when a potential client has no former business training they will be required to partake in the full training course which we have required a full 32 hours in which to develop their business plan and financials associated with their endeavor . But, when we have clients that have already taken business training or are currently running a business and wish to expand or purchase further equipment, how do you gage the amount of TA needed for that endeavor? We were thinking of developing a checklist of some sort, or some type of 'test out' meckinisim to determine their specific needs. For all those CDFI's who are already lending and providing these services, I would really appreciate comments and/or materials that your institutions have used to determine the TA needed for existing business, or clients with a background in operating a business. One of my concerns is that if we do have clients with an education in any sort of the business realm, that doesn't really mean they have the capability to actually run a business, or the education needed to be successful in that event. Again, any and all responses would be much appreciated, thanks for your time and consideration. Chrystel Cornelius Executive Director Turtle Mountain CDFI 701-477-5811 Office 701-477-9673 Fax ________________________________ Instantly invite friends from Facebook and other social networks to join you on Windows Live(tm) Messenger. Invite friends now! _______________________________________________ CircleUp mailing list CircleUp at lists.ournativecircle.org http://lists.ournativecircle.org/mailman/listinfo/circleup_lists.ournativecircle.org -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080612/06ac3809/attachment-0001.html From pbergie at wrdf.org Thu Jun 12 10:24:34 2008 From: pbergie at wrdf.org (Pat Bergie) Date: Thu, 12 Jun 2008 08:24:34 -0600 Subject: [CircleUp] Question Regarding Technical Assistance forEntrepreneurs In-Reply-To: <82182B01DBD600448F4C7D2631BA1BFE1C4C29@SERVER1.fnoc.internal> References: <82182B01DBD600448F4C7D2631BA1BFE1C4C29@SERVER1.fnoc.internal> Message-ID: <002301c8cc98$1147e9c0$33d7bd40$@org> Hi. We have a business loan checklist that we use for loans; its online at www.wrdf.org, if you want to take a look. If the potential borrower cannot complete the requirements, we offer TA; each based on their needs. TA may be in the form of our business planning course, 10-weeks; may be credit issues. Most often, it's creating financials and credit history issues. Currently, grants pay for our TA services. Since we are a non-profit, business development organization, technical assistance is more or less a given with the mission of WRDF and budgeted in each year' s projected TA service. As WRDF loan portfolio grows, TA services grow exponentially and requires a constant vigilance, with grantwriting, by our Executive Director to ensure its availability to potential borrowers. Microloans do take up a greater amount of time from our TA provider, as well as from the Loan Officer (gauged from my own experience). I find it very rewarding when a microloan is successfully completed; and as the borrower's face lights up at being approved to start a micro-business venture. Pat Bergie, Loan Officer. From: circleup-bounces at lists.ournativecircle.org [mailto:circleup-bounces at lists.ournativecircle.org] On Behalf Of David Fleming Sent: Thursday, June 12, 2008 6:37 AM To: Michael Burton; Chrystel Cornelius Cc: circleup at lists.ournativecircle.org Subject: Re: [CircleUp] Question Regarding Technical Assistance forEntrepreneurs The checklist idea seems to be a good place to start Chrystel. I agree with Micheal and it really should be case by case and the checklist or whatever tool you use to gauge business competancy shouldn't be the same for everyone. For example a person starting a coffee cart in the mall doesn't need as much business training as a person expanding an existing larger business. The amount of TA required would be determined by the needs of the borrower in relation to the business plan. Costs can be recovered through interest on the loan, in which case everybody pays for the TA to some degree. If you're risk pricing, the amount of TA delivered can also be taken into consideration. The only other alternative I see is to charge for the training, but that could discourage borrowers. Micheal, how do borrowers react to out-of-pocket charges? David Fleming _____ From: circleup-bounces at lists.ournativecircle.org on behalf of Michael Burton Sent: Wed 6/11/2008 11:19 AM To: Chrystel Cornelius Cc: circleup at lists.ournativecircle.org Subject: Re: [CircleUp] Question Regarding Technical Assistance forEntrepreneurs At the risk of starting a runaway thread here I'm choosing to reply to the group as part of a forum type discussion. This is an issue we're working through as well so input from the larger group could help us. If there isn't general interest, perhaps just reply direct to Chrystel and me. We've been debating this, particularly for our micro loan program. For out mainstream customers, say $10's of thousands up to our cap of about $200K we are willing to deal with this on a case by case basis and make a judgement. But we're trying to figure out how to deliver a micro loan program in an affordable way. The challenge as we see it is that loan costs are essentially fixed. We operate on program income which is right at break-even. While we absorb our staff costs we do charge our borrowers for out of pocket costs. That means that for a $3,000 project for a new camera for a photo shop the cost of a loan from us is prohibitive while it is a small charge for the guy buying a $150,000 log truck. But there are a lot of those small projects out there so we need to find a solution. Part of it is to control our time investment as well as the out of pocket expenses. So we started working up a micro loan program with minimal costs for us--basically the credit card model used by banks for very small loans. We've queried NW Tribal Credit offices, Small Business Development Center/ONABEN Indianpreneurship counsellors, tribal Economic Development staff, etc. Finally getting to the question at hand, I started out assuming that we'd require a referral from something like an SBDC. But some tribal staff challenged that assumption--say someone has a kraft product they're selling out of their kitchen or garage. They've got a track record. One of my customers for a start up venture has a day job as an internationally recognized carver. He's been making a living from that for about 30 years. I can't challenge that he has found a successful model. Why require a trip to some remote SBDC where (at least in Oregon) they might be pushed toward an associates degree program? (Just in case someone from here is reading I need to qualify--the best centers try to assess a clients need and address that need. But the staffing formula for the Community Colleges that typically host the SBDC's are based on a student FTE formula that can put a lot of pressure on rolling people into the regular program.) And my carver ain't going to drive 1 1/2 hours one way to take a class on how to sell his product. So we're close to some sort of sign-off that would recognize relevant Business (as in Business School) competency that would likely be a referral from a recognized program or a degree, but there could be exceptions like the one mentioned above. I'm interested in the take of other operators and the solutions you may have come up with. Michael Burton ATNI EDC/Financial Services 18230 Frost Rd. Dallas, OR 97338 503-917-0550 (v) 503-623-4714 (fax) On Jun 11, 2008, at 9:00 AM, Chrystel Cornelius wrote: Hello, I have a question regarding the practices of other CDFI's in regards to determining the amount of technical assistance needed for business lending activities. Our program and our partners who will be providing the TA needed for business lending are currently developing the schedule for the entrepreneurship courses for our tribal members. My question, we realize that when a potential client has no former business training they will be required to partake in the full training course which we have required a full 32 hours in which to develop their business plan and financials associated with their endeavor . But, when we have clients that have already taken business training or are currently running a business and wish to expand or purchase further equipment, how do you gage the amount of TA needed for that endeavor? We were thinking of developing a checklist of some sort, or some type of 'test out' meckinisim to determine their specific needs. For all those CDFI's who are already lending and providing these services, I would really appreciate comments and/or materials that your institutions have used to determine the TA needed for existing business, or clients with a background in operating a business. One of my concerns is that if we do have clients with an education in any sort of the business realm, that doesn't really mean they have the capability to actually run a business, or the education needed to be successful in that event. Again, any and all responses would be much appreciated, thanks for your time and consideration. Chrystel Cornelius Executive Director Turtle Mountain CDFI 701-477-5811 Office 701-477-9673 Fax _____ Instantly invite friends from Facebook and other social networks to join you on Windows LiveT Messenger. Invite friends now! _______________________________________________ CircleUp mailing list CircleUp at lists.ournativecircle.org http://lists.ournativecircle.org/mailman/listinfo/circleup_lists.ournativeci rcle.org -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080612/1430a047/attachment.html From stewart at oweesta.org Thu Jun 12 11:11:10 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Thu, 12 Jun 2008 09:11:10 -0600 Subject: [CircleUp] NYTimes.com: For Women, a Recipe to Create a Successful Business Message-ID: <82182B01DBD600448F4C7D2631BA1BFE223EF9@SERVER1.fnoc.internal> INTERESTING ARTICLE ABOUT WOMEN ENTRERPRENEURS, SHARED BUSINESS SPACE, ETC. BUSINESS / SMALL BUSINESS | June 23, 2007 For Women, a Recipe to Create a Successful Business By LAURA NOVAK A kitchen, known by the Spanish name La Cocina, is a shared-use space created two years ago to provide a platform for women entrepreneurs without assets. Copyright 2008 The New York Times Company | Privacy Policy -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080612/9075ad52/attachment-0001.html From mike at atniedc.com Mon Jun 16 15:02:54 2008 From: mike at atniedc.com (Michael Burton) Date: Mon, 16 Jun 2008 12:02:54 -0700 Subject: [CircleUp] Question Regarding Technical Assistance forEntrepreneurs In-Reply-To: <82182B01DBD600448F4C7D2631BA1BFE1C4C29@SERVER1.fnoc.internal> References: <82182B01DBD600448F4C7D2631BA1BFE1C4C29@SERVER1.fnoc.internal> Message-ID: <8893DF78-244C-4AC8-AB20-61A1ED23E53D@atniedc.com> We tell them up front and they decide whether to proceed. Right now it's the only lower limit threshold we use--if the borrower feels the cost prohibitive, we don't move forward. In my opinion we have a defacto floor for our loans in the $20,000 to $30,000 range solely attributable to the practice of passing along the out of pocket costs. There are more factors operant with banks, but I think that realistically you end up with a floor of about $50,000 for loan officer generated loans there. This is the compelling reason we need to come up with a streamlined product for smaller loans. When I was with the State of Oregon we charged 1.5% regardless of loan size. While that is fair to the borrower, it doesn't reflect the cost of issuance. On the State micro loan products we had to return periodically to the Legislature for funds to subsidize the cost. Michael Burton ATNI EDC/Financial Services 18230 Frost Rd. Dallas, OR 97338 503-917-0550 (v) 503-623-4714 (fax) On Jun 12, 2008, at 5:36 AM, David Fleming wrote: > The checklist idea seems to be a good place to start Chrystel. I > agree with Michael and it really should be case by case and the > checklist or whatever tool you use to gauge business competency > shouldn't be the same for everyone. For example a person starting > a coffee cart in the mall doesn't need as much business training as > a person expanding an existing larger business. The amount of TA > required would be determined by the needs of the borrower in > relation to the business plan. Costs can be recovered through > interest on the loan, in which case everybody pays for the TA to > some degree. If you're risk pricing, the amount of TA delivered > can also be taken into consideration. The only other alternative I > see is to charge for the training, but that could discourage > borrowers. Michael, how do borrowers react to out-of-pocket charges? > > David Fleming > > From: circleup-bounces at lists.ournativecircle.org on behalf of > Michael Burton > Sent: Wed 6/11/2008 11:19 AM > To: Chrystel Cornelius > Cc: circleup at lists.ournativecircle.org > Subject: Re: [CircleUp] Question Regarding Technical Assistance > forEntrepreneurs > > At the risk of starting a runaway thread here I'm choosing to reply > to the group as part of a forum type discussion. This is an issue > we're working through as well so input from the larger group could > help us. If there isn't general interest, perhaps just reply > direct to Chrystel and me. > > We've been debating this, particularly for our micro loan program. > For out mainstream customers, say $10's of thousands up to our cap > of about $200K we are willing to deal with this on a case by case > basis and make a judgement. But we're trying to figure out how to > deliver a micro loan program in an affordable way. The challenge > as we see it is that loan costs are essentially fixed. We operate > on program income which is right at break-even. While we absorb > our staff costs we do charge our borrowers for out of pocket > costs. That means that for a $3,000 project for a new camera for a > photo shop the cost of a loan from us is prohibitive while it is a > small charge for the guy buying a $150,000 log truck. But there > are a lot of those small projects out there so we need to find a > solution. Part of it is to control our time investment as well as > the out of pocket expenses. > > So we started working up a micro loan program with minimal costs > for us--basically the credit card model used by banks for very > small loans. We've queried NW Tribal Credit offices, Small > Business Development Center/ONABEN Indianpreneurship counsellors, > tribal Economic Development staff, etc. Finally getting to the > question at hand, I started out assuming that we'd require a > referral from something like an SBDC. But some tribal staff > challenged that assumption--say someone has a kraft product they're > selling out of their kitchen or garage. They've got a track > record. One of my customers for a start up venture has a day job > as an internationally recognized carver. He's been making a living > from that for about 30 years. I can't challenge that he has found a > successful model. Why require a trip to some remote SBDC where (at > least in Oregon) they might be pushed toward an associates degree > program? (Just in case someone from here is reading I need to > qualify--the best centers try to assess a clients need and address > that need. But the staffing formula for the Community Colleges > that typically host the SBDC's are based on a student FTE formula > that can put a lot of pressure on rolling people into the regular > program.) And my carver ain't going to drive 1 1/2 hours one way > to take a class on how to sell his product. > > So we're close to some sort of sign-off that would recognize > relevant Business (as in Business School) competency that would > likely be a referral from a recognized program or a degree, but > there could be exceptions like the one mentioned above. I'm > interested in the take of other operators and the solutions you may > have come up with. > > Michael Burton > ATNI EDC/Financial Services > 18230 Frost Rd. > Dallas, OR 97338 > 503-917-0550 (v) > 503-623-4714 (fax) > > > > On Jun 11, 2008, at 9:00 AM, Chrystel Cornelius wrote: > >> Hello, >> >> >> I have a question regarding the practices of other CDFI's in >> regards to determining the amount of technical assistance needed >> for business lending activities. Our program and our partners who >> will be providing the TA needed for business lending are currently >> developing the schedule for the entrepreneurship courses for our >> tribal members. >> >> My question, we realize that when a potential client has no former >> business training they will be required to partake in the full >> training course which we have required a full 32 hours in which to >> develop their business plan and financials associated with their >> endeavor . But, when we have clients that have already taken >> business training or are currently running a business and wish to >> expand or purchase further equipment, how do you gage the amount >> of TA needed for that endeavor? We were thinking of developing a >> checklist of some sort, or some type of 'test out' meckinisim to >> determine their specific needs. >> >> For all those CDFI's who are already lending and providing these >> services, I would really appreciate comments and/or materials that >> your institutions have used to determine the TA needed for >> existing business, or clients with a background in operating a >> business. One of my concerns is that if we do have clients with >> an education in any sort of the business realm, that doesn't >> really mean they have the capability to actually run a business, >> or the education needed to be successful in that event. >> >> Again, any and all responses would be much appreciated, thanks for >> your time and consideration. >> >> >> >> Chrystel Cornelius >> Executive Director >> Turtle Mountain CDFI >> 701-477-5811 Office >> 701-477-9673 Fax >> >> >> >> >> >> >> >> Instantly invite friends from Facebook and other social networks >> to join you on Windows Live? Messenger. Invite friends now! >> _______________________________________________ >> CircleUp mailing list >> CircleUp at lists.ournativecircle.org >> http://lists.ournativecircle.org/mailman/listinfo/ >> circleup_lists.ournativecircle.org > -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080616/64fb79f7/attachment.html From stewart at oweesta.org Mon Jun 16 18:38:09 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Mon, 16 Jun 2008 16:38:09 -0600 Subject: [CircleUp] Native Youth Training: Instructor Training Level 1 - London-Whitehorse-Victoria Message-ID: <82182B01DBD600448F4C7D2631BA1BFE22406B@SERVER1.fnoc.internal> Potential training for local groups working with Native youth wanting a different perspective... Home About Us Consulting RecentWorkshops Careers Request Info INSTRUCTOR TRAINING - LEVEL 1 (3 days) Become a Creating Wellness Believe In Our Youth Certified Instructor Get trained in breakthrough strategies that will change the lives of the youth in your community. for hotel details click on the city London, On July 30-31 & Aug 1, 2008 Whitehorse, Yukon Aug 26-28, 2008 Victoria, BC Sept. 3-5, 2008 click here for details, agenda and costs . Outcomes of the Training At the end of Level 1 participants will be able to: * Take back to their community a series of activities ready to use with the youth in order to develop in them leadership, creativity and awareness. * They will have experienced group dynamics by which they will be able to help the youth find a purpose in life and better their abilities of communication, team-work and time management. * They will have practiced activities demonstrating the importance of creativity in the development of self-esteem and problem solving, as well as activities to empower the youth. * They will be able to transfer the basic principles to develop leadership skills in the youth. * They will have explored the power and use of expressive-art in the strengthening of the self. and in the healing process. Please click here to add yourself to our mailing list 313 - 207 Bank Street, Ottawa Ontario K2P 2N2 Tel: 1-613-212-8733 Fax 1-613-482-4909 positiveaction at believeinouryouth.com HOME / ABOUT US / RECENT WORKSHOPS THE TEAM / REQUEST INFORMATION Instructor Training Level 1 Winnipeg May, 2008 ________________________________ Group Shot Winnipeg May 2008 "I enjoyed learning the different activities you can do with art and Ostinatos and learning about the six diseases. Even though everything was packed into 3 days. It wasn't overwhelming it was awesome. ________________________________ "I loved the energy, the soft calm voice and how Andrea can get the group motivated. I ebjoyed the enthusiasm and stories Rolf shared. Can not wait till the next training. Alicia Vance - Kwanlin Dun FN Whitehorse ________________________________ "Good Trainer-an excellent teacher who knows and understands life". - Ivy Houle - Onion Lake Family Services Onion Lake SK ________________________________ "I enjoyed the excercises-the Ostinados. Excellent everything was clear and understanding. Just need to know when level 2 is." Adrian Snowball - Naicathewenin FN ________________________________ "I enjoyed everything about the training. Learnt so much! All the activities were great., Very interactive. You are the best. Have the next training soon". Jackie Callahan - Kwanlin Dun First Nation, Whitehorse Yukon ________________________________ "Would recommend it highly" - Justin Carre - Wellness Worker - Fort Sinpson NT This message was sent from Aboriginal Entrepreneur to SSARKOZY at OWEESTA.ORG. It was sent from: Believe In Our Youth, 313-207 Bank Street, Ottawa, On K2P 2N2, Canada. You can modify/update your subscription via the link below. Email Marketing Software To be removed click here View this message in the iContact Community: View message Comment on this message Receive as RSS Share this message with others: del.icio.us Digg reddit Facebook StumbleUpon -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080616/e1dfee58/attachment-0001.html From joanna at oweesta.org Thu Jun 19 12:11:52 2008 From: joanna at oweesta.org (Joanna Donohoe) Date: Thu, 19 Jun 2008 10:11:52 -0600 Subject: [CircleUp] Deadlines Approaching: "Building Rural Communities through CHDOs" Trainings Message-ID: <82182B01DBD600448F4C7D2631BA1BFE2242A2@SERVER1.fnoc.internal> Hello, The Housing Assistance Council would like to invite you to the Building Rural Communities through CHDOs training series throughout the summer. These trainings, funded by the US Department of Housing and Urban Development Office of Affordable Housing Programs, offer attendees training on topics including Advanced Financial Management, Single Family Housing Development, and Building HOME for CHDOs and Nonprofits. These trainings are open to representatives of Certified or Potential Community Housing Development Organizations. Additionally, limited travel scholarships are available for qualified participants. Register now, as deadlines are approaching and availability is limited. For further information, please review the information below. If you have any questions, please do not hesitate to contact Michael Spotts, Training Coordinator at (202) 842-8600 Ext. 129 or registration at ruralhome.org. Have a great day! Sincerely, Stephanie Nichols CHDO Project Manager/Housing Specialist Housing Assistance Council June 24-25th Buidling Rural Communities through CHDOs: Appalachia Outside Ashland, KY (Greenup) Training Topic: Advanced Financial Management Information Brochure: http://www.ruralhome.org/manager/uploads/CHDOAFMBrochure.pdf To Register: www.regonline.com/CHDOTrainingAppalachia July 8-9th Building Rural Communities through CHDOs: Albuquerque Albuquerque, NM Training Topic: Single Family Housing Development Information Brochure: http://www.ruralhome.org/manager/uploads/CHDIAlbuquerqueSFHDBrochure.pdf To Register: www.regonline.com/CHDOTrainingAlbuquerque July 9-10th Building Rural Communities through CHDOs; Delta Outside Tunica, MS (Robinsonville) Training Topic: Advanced Financial Management Information Brochure: http://www.ruralhome.org/manager/uploads/CHDOAFMBrochure.pdf To Register: www.regonline.com/CHDOTrainingDelta July 16-17th Building Rural Communities through CHDOs: Colonias San Antonio, TX Training Topic: Advanced Financial Management Information Brochure: http://www.ruralhome.org/manager/uploads/CHDOAFMBrochure.pdf To Register: www.regonline.com/CHDOTrainingColonias July 16-18th Building Rural Communities through CHDOs: Los Angeles Los Angeles, CA Training Topics: Single Family Housing Development and Building HOME for CHDOs and Nonprofits Information Brochure: http://www.ruralhome.org/manager/uploads/CHDOLABrochure.pdf To Register: www.regonline.com/CHDOTrainingLosAngeles Building Rural Communities through CHDOs is presented by the Housing Assistance Council and sponsored by the US Department of Housing and Urban Development Office of Affordable Housing Programs -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080619/80443335/attachment.html From stewart at oweesta.org Thu Jun 12 17:16:09 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Thu, 12 Jun 2008 15:16:09 -0600 Subject: [CircleUp] Development Director - Fort Apache Heritage Foundation Message-ID: <82182B01DBD600448F4C7D2631BA1BFE223F95@SERVER1.fnoc.internal> Development Director Position Fort Apache Heritage Foundation About the Organization: The Fort Apache Heritage Foundation (FAHF) was chartered in Arizona in 1998 by the White Mountain Apache Tribe (WMAT). It assists the Apache people and Tribe in preservation and interpretation of Apache culture and history, principally through implementation of the master plan to revitalize the Fort Apache and Theodore Roosevelt Boarding School National Register Historic District. These landmarks encompass 400 acres, including 27 buildings dating from the founding of Fort Apache in 1870 to continued use today. More information is available at www.fortapachearizona.org . For more on the Tribe, see www.wmat.us . Job Description Overview: The Development Director will lead fundraising, revenue-generating efforts, program activities, promotion, and budgets in implementing the master plan. This leadership position is the pivotal basis for growing an organization to share the rich heritage of the region with others and preserve it for future generations. The position reports to the Fort Apache Coordinator and Board of Directors. Candidates must demonstrate a successful track-record, as well as capacity for professional growth in fundraising, organization development, diplomacy, project management, budgets, and supervising junior colleagues. Responsibilities: * Developing, then implementing, a fundraising plan to enhance existing budget sources * Managing relationships, revenue generating plans, and organizational programs, including training junior staff * Serving as liaison to work in concert with other tribal entities and the Tribal Council * Marketing: managing internal and external communications, as well as promoting tourism * Other duties, as needed, to build an effective organization Qualifications: * A minimum of a bachelor's degree (or equivalent) in a relevant field, graduate degree preferred * At least five years professional experience * Documented track-record in fundraising and funds management * Sound administrative skills and management abilities * Prior experience in resource management or historic preservation preferred * Comfort with budgets and financial statements is beneficial Skills and Abilities: * Effective communication skills, both written and verbal, particularly in marketing, public speaking, and PR * Computer operations skills, including word processing, data bases and spreadsheets * Self-starter with ability to work both independently and in a team environment * Specific knowledge of the local region and Apache heritage is helpful * Problem solving and organizational skills * Passion for this type of work Compensation & Location: Competitive salary, depending on qualifications and experience. Excellent benefits. Fort Apache is the primary work site, with travel within and outside of Arizona to achieve program goals. To apply: Send resume and cover letter by email as one attachment to info at fortapachearizona.org or by fax to (928) 338-6055. Inquiries may be directed to the Fort Apache Coordinator, Karl Hoerig, at the email above. Members of the White Mountain Apache Tribe receive first priority preference in hiring, with second priority for members of other U.S. federally recognized tribes and Canadian First Nations. The Fort Apache Heritage Foundation, Inc. is an equal opportunity employer. -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080612/89348e5c/attachment-0001.html -------------- next part -------------- A non-text attachment was scrubbed... Name: not available Type: image/gif Size: 7809 bytes Desc: clip_image003.gif Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080612/89348e5c/attachment-0001.gif -------------- next part -------------- A non-text attachment was scrubbed... Name: Fort Apache Arizona Dev Dir Job Posting 5-08.pdf Type: application/pdf Size: 127861 bytes Desc: Fort Apache Arizona Dev Dir Job Posting 5-08.pdf Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080612/89348e5c/attachment-0001.pdf From staci at oweesta.org Tue Jun 17 09:10:34 2008 From: staci at oweesta.org (Staci Lacroix) Date: Tue, 17 Jun 2008 07:10:34 -0600 Subject: [CircleUp] Please share this job in Indian Country Message-ID: <82182B01DBD600448F4C7D2631BA1BFE22409D@SERVER1.fnoc.internal> Dear Good People, I am working with Fort Apache Heritage Foundation on the White Mountain Apache Tribal land. They are seeking to hire a Development Director to help support their current work and grow. Could you assist them by circulating this job description to those you know and outlets of interest? We welcome your suggestions of additional people to contact and places to post. Best, Drew Tulchin drew at socialenterprise.net 202-256-2692 Development Director Position Fort Apache Heritage Foundation About the Organization: The Fort Apache Heritage Foundation (FAHF) was chartered in Arizona in 1998 by the White Mountain Apache Tribe (WMAT). It assists the Apache people and Tribe in preservation and interpretation of Apache culture and history, principally through implementation of the master plan to revitalize the Fort Apache and Theodore Roosevelt Boarding School National Register Historic District. These landmarks encompass 400 acres, including 27 buildings dating from the founding of Fort Apache in 1870 to continued use today. More information is available at www.fortapachearizona.org . For more on the Tribe, see www.wmat.us . Job Description Overview: The Development Director will lead fundraising, revenue-generating efforts, program activities, promotion, and budgets in implementing the master plan. This leadership position is the pivotal basis for growing an organization to share the rich heritage of the region with others and preserve it for future generations. The position reports to the Fort Apache Coordinator and Board of Directors. Candidates must demonstrate a successful track-record, as well as capacity for professional growth in fundraising, organization development, diplomacy, project management, budgets, and supervising junior colleagues. Responsibilities: * Developing, then implementing, a fundraising plan to enhance existing budget sources * Managing relationships, revenue generating plans, and organizational programs, including training junior staff * Serving as liaison to work in concert with other tribal entities and the Tribal Council * Marketing: managing internal and external communications, as well as promoting tourism * Other duties, as needed, to build an effective organization Qualifications: * A minimum of a bachelor's degree (or equivalent) in a relevant field, graduate degree preferred * At least five years professional experience * Documented track-record in fundraising and funds management * Sound administrative skills and management abilities * Prior experience in resource management or historic preservation preferred * Comfort with budgets and financial statements is beneficial Skills and Abilities: * Effective communication skills, both written and verbal, particularly in marketing, public speaking, and PR * Computer operations skills, including word processing, data bases and spreadsheets * Self-starter with ability to work both independently and in a team environment * Specific knowledge of the local region and Apache heritage is helpful * Problem solving and organizational skills * Passion for this type of work Compensation & Location: Competitive salary, depending on qualifications and experience. Excellent benefits. Fort Apache is the primary work site, with travel within and outside of Arizona to achieve program goals. To apply: Send resume and cover letter by email as one attachment to info at fortapachearizona.org or by fax to (928) 338-6055. Inquiries may be directed to the Fort Apache Coordinator, Karl Hoerig, at the email above. Members of the White Mountain Apache Tribe receive first priority preference in hiring, with second priority for members of other U.S. federally recognized tribes and Canadian First Nations. The Fort Apache Heritage Foundation, Inc. is an equal opportunity employer. -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080617/5bce3cfb/attachment-0001.html -------------- next part -------------- A non-text attachment was scrubbed... Name: not available Type: image/gif Size: 7809 bytes Desc: clip_image003.gif Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080617/5bce3cfb/attachment-0001.gif -------------- next part -------------- A non-text attachment was scrubbed... Name: Fort Apache Arizona Dev Dir Job Posting 5-08.pdf Type: application/pdf Size: 127861 bytes Desc: Fort Apache Arizona Dev Dir Job Posting 5-08.pdf Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080617/5bce3cfb/attachment-0001.pdf From staci at oweesta.org Fri Jun 20 19:30:58 2008 From: staci at oweesta.org (Staci Lacroix) Date: Fri, 20 Jun 2008 17:30:58 -0600 Subject: [CircleUp] Native Enterprise and Entrepreneurship Development Training Opportunity Still Available! Message-ID: <82182B01DBD600448F4C7D2631BA1BFE2740B0@SERVER1.fnoc.internal> 1010 Ninth Street * Suite 3 * Rapid City, SD 57701 (605) 342-3770 * Fax (605) 342-3771 An affiliate of First Nations Development Institute * www.oweesta.org PRESS RELEASE Native Enterprise and Entrepreneurship Development Training Opportunity Still Available! Contact: Jody Sarkozy-Banoczy For Immediate Release (605) 342-3770 Date: June 20, 2008 jody at oweesta.org Rapid City, SD // Native CDFIs and other organizations that work to develop entrepreneurship in Native communities still have time to apply to the upcoming Native Enterprise and Entrepreneurship Development (NEED) training! Provided by Oweesta in partnership with CFED and ONABEN, the NEED program provides comprehensive training and technical assistance to Native communities that are working to develop enterprise and entrepreneurship systems in their communities. By addressing such areas as community environment, local entrepreneurship policy, access to capital, entrepreneurship education, and more, the NEED model is a new approach to community and economic development tailored specifically for Native communities. Upon successful completion of the 3-day training program, NEED participants will have access to technical assistance from Oweesta to help them develop and implement the NEED model in their communities. The 3-day NEED training will be held at the Oneida Indian Nation's Turning Stone Resort on August 4-6 in Verona, NY. Participants are responsible for transportation and lodging, but the cost of the training is only $ 25 per person. Applications are now available online at www.oweesta.org and will be accepted through June 27, 2008. Get your application in today. For more information on the NEED training and technical assistance program, contact Tracey Fischer at (605) 342-3770 or tracey at oweesta.org . About Oweesta Oweesta (http://www.oweesta.org ) is a certified Native CDFI intermediary, providing Native communities with loans, investments, technical assistance, training and community development information. Its mission is to provide opportunities for Native people to develop assets and create wealth by assisting in the establishment of strong, permanent institutions and programs, leading to economic independence and strengthening sovereignty for all Native communities. -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080620/c20a9e55/attachment-0001.html -------------- next part -------------- A non-text attachment was scrubbed... Name: not available Type: image/png Size: 59239 bytes Desc: image001.png Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080620/c20a9e55/attachment-0002.png -------------- next part -------------- A non-text attachment was scrubbed... Name: not available Type: image/png Size: 9954 bytes Desc: image004.png Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080620/c20a9e55/attachment-0003.png -------------- next part -------------- A non-text attachment was scrubbed... Name: not available Type: image/jpeg Size: 7488 bytes Desc: image002.jpg Url : /pipermail/circleup_lists.ournativecircle.org/attachments/20080620/c20a9e55/attachment-0001.jpe From stewart at oweesta.org Mon Jun 23 11:05:58 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Mon, 23 Jun 2008 09:05:58 -0600 Subject: [CircleUp] HOUSE SUBCOMMITTEE APPROVES $105 MILLION FOR CDFI FUND! Message-ID: <82182B01DBD600448F4C7D2631BA1BFE2740DC@SERVER1.fnoc.internal> IMPORTANT LEGISLATION FOR CDFI FUND FUNDING... HOUSE SUBCOMMITTEE APPROVES $105 MILLION FOR CDFI FUND Another Victory for CDFIs! On Tuesday, June 17, the Financial Services and General Government Appropriations Subcommittee marked up its appropriations for Fiscal Year (FY) 2009. Chairman Jos? Serrano's (D-NY) draft legislation for FY 2009 was approved and included $105 million for the CDFI Fund, an $11 million increase over last year's funding level and $76.4 million greater than the President's $28.6 million request for the CDFI Fund! The legislation next moves to consideration by the full Appropriations Committee in the House on June 25. The increase for the CDFI Fund is impressive given the Appropriations Subcommittee allocation level, which was just $22.4 billion for programs under its jurisdiction - only $150 million more than the Bush administration's request. Activities funded by the bill include the Departments of Treasury and the Judiciary, the White House, General Services Administration, Small Business Administration, the District of Columbia, and almost 20 other agencies. The SBA Microloan program, which received no funding in the President's proposed budget, received an appropriation of $22.5 million. Funding for the CDFI Fund had decreased from $118 million in fiscal 2001 to $54.4 million in Fiscal Year 2007 when Representative Serrano became chair of the subcommittee. Chairman Serrano almost doubled CDFI Fund appropriations in Fiscal Year 2008. The Senate Financial Services and General Government Appropriations Subcommittee is expected to take action in the coming weeks regarding an appropriations measure containing CDFI Fund appropriations. Opportunity Finance Network is deeply grateful to Chairman Serrano and the Financial Services Subcommittee for their support of the CDFI industry. The 2008 Opportunity Finance Network Conference Opportunity NOW. It's a New Era. December 9-12th - Albuquerque, New Mexico Save the Date! -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080623/e2f9d5bf/attachment.html From stewart at oweesta.org Tue Jun 24 10:56:38 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Tue, 24 Jun 2008 08:56:38 -0600 Subject: [CircleUp] Check out our new On Line Aboriginal Business Incubator Service Message-ID: <82182B01DBD600448F4C7D2631BA1BFE274200@SERVER1.fnoc.internal> Some interesting information for down here in the States too... Aboriginal Entrepreneur BUSINESS WITHOUT LIMITS Gathering Place - James Bay, Quebec new On Line Business Incubator Start/Expand Your Business Workshop Leadership Workshops Economic Development Professionals Summer of 2008 Training Workshop Consulting Services ________________________________ Box 299 Cree Nation of Chisasibi, James Bay Quebec J0M 1E0 313-207 Bank Street, Ottawa Ontario K2P 2N2 Tel: 1-800-568-2148 Fax 1-613-482-4909 Please add yourself to our mailing list Ottawa - Sudbury - London On Winnipeg - Edmonton - Victoria Bc SUMMER 2008 2 Day Training Program for Economic Development Professionals click here for details Home Entrepreneur Training Business Services On Line Incubator Economic Development Training Contact Us This message was sent from Aboriginal Entrepreneur to SSARKOZY at OWEESTA.ORG. It was sent from: Believe In Our Youth, 313-207 Bank Street, Ottawa, On K2P 2N2, Canada. You can modify/update your subscription via the link below. Email Marketing Software To be removed click here View this message in the iContact Community: View message Comment on this message Receive as RSS Share this message with others: del.icio.us Digg reddit Facebook StumbleUpon -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080624/d6b5b1af/attachment-0001.html From stewart at oweesta.org Tue Jun 24 17:39:11 2008 From: stewart at oweesta.org (Stewart Sarkozy) Date: Tue, 24 Jun 2008 15:39:11 -0600 Subject: [CircleUp] New Camp Builds American Indian Youth Entrepreneurship- Northern Plains News June, 2008 Message-ID: <82182B01DBD600448F4C7D2631BA1BFE274295@SERVER1.fnoc.internal> One interesting article on MT Native youth entrepreneurship camp.... Community - Accountability - Respect - Capacity - Hope Rural Dynamics Incorporated - Consumer Credit Counseling Service June 2008 Spacer Image Northern Plains News Spacer Image SIGN UP! Submit IN THIS ISSUE Camp Builds Native Youth Entrepreneurshi Developing a Montana Brand Powell Launches Fiber-Optic Network Developers Needed in Baker, MT Events Across the Northern Plains Visit Our New Events Calendar The National Folk Festival, Butte, MT - Jun 11-13 The Grant Institute's Grants 101: Professional Grant Proposal Writing Workshop, Missoula, MT - July 9-11 Fargo, ND - Aug 4-6 Eureka! Winning Ways Business Growth Seminar, Various Locations and Dates Trade Roots - Expansion through Trade to New Markets Kalispell, MT - Aug 13 Spacer Image Spacer Image Camp Builds Native Youth Entrepreneurship Matt Walker, 12, would like to own a business one day. He hasn't pinned down what type, but after this week Matt, who will enter eighth grade at East Middle School next fall, will be better equipped to pursue future entrepreneurial efforts. A participant in the inaugural First People's Youth Entrepreneurship Camp at the University of Great Falls, Matt met role models, including Native American business owners and accomplished athletes. He even had the chance to meet the governor. Matt also secured a four-year tuition scholarship to UGF if he decides to pursue a college education there after high school. READ MORE >> Developing a Montana Brand The effort to come up with a brand for the state began when Travel Montana staff realized they didn't have a main marketing message for the state. In the absence of one strong marketing message, people are bombarded with too many messages about the state, creating a blurry picture or misinformation about Montana. Montana's tourism industry spends about $76 million annually in advertising. Most of that spending is from hotels, restaurants individual communities and other tourist destinations. READ MORE >> Powell Launches Fiber-Optic Network Residents in Powell got their first chance Wednesday to sample Powellink, the under-construction fiber-optic system that will offer extreme-high-speed telecommunication services to every home and business in town. City officials and representatives from the initial service provider, TCT, answered questions and demonstrated technology during the afternoon open house, and many on hand said Powellink is a major benchmark in the town's development. READ MORE >> Developers Needed in Baker, MT Baker, Montana home of oil field activity since 1937 is in desperate need of private and rental housing units. For the past 5 years more than 200 workers in the Baker area have lived as far away as 80 miles and driven to work every day. Recently the housing situation moved from the serious realm to the desperate realm. READ MORE >> Spacer Image Copyright (c) 2007 RURAL DYNAMICS INCORPORATED, All rights reserved. 2022 Central Ave, Great Falls, MT, 59401 406-761-8721 Forward email Safe Unsubscribe This email was sent to ssarkozy at oweesta.org, by agill at cccsmt.org Update Profile/Email Address | Instant removal with SafeUnsubscribe (tm) | Privacy Policy . Email Marketing by Rural Dynamics Incorporated | 2022 Central Ave | Great Falls | MT | 59401 -------------- next part -------------- An HTML attachment was scrubbed... URL: /pipermail/circleup_lists.ournativecircle.org/attachments/20080624/b821e19e/attachment-0001.html