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ACE initiative helps literacy in Haiti

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first_imgNotre Dame’s Alliance for Catholic Education (ACE) partnered with the Episcopal Commission for Catholic Education and Catholic Relief Services (CRS) to begin the Haiti Reads project in August 2014, working to improve the literacy of Haitian children.The initiative is sponsored by a $1 million grant from an anonymous foundation, with additional funding and personnel provided by ACE and CRS, according to a University press release.Emily Danaher | The Observer Kate Schuenke-Lucien, associate director of Haitian Catholic Education Initiatives for ACE, said the primary goal of the project is to help Haitian children to “learn to read, to read to learn,” a mantra the project uses to promote the long term benefits of increased literacy. Haiti Reads is trying to improve students’ ability to read and write in Creole, which is spoken by 95 percent of the Haitian population, and French, which is the language primarily used in educational instruction, Schuenke-Lucien said.“We know that early literacy is incredibly important for educational success for children,” she said. “Basically, children who don’t learn to read well in the early grades are not able to continue in school.”According to the Haiti Reads press release, this explains why 50 percent of the Haitian adult population is illiterate and why only five percent of students continue past primary school.Haiti Reads works with some of the 2,400 Catholic primary and secondary schools in Haiti as a way to “renew and strengthen Catholic education to provide an improved education and opportunity for the children in Haiti,” TJ D’Agostino, associate director of Haitian Catholic Education Initiatives for ACE, said.“Catholic schools are the biggest single educational provider in the country so [Haiti Reads] is a way to make a pretty big dent in trying to improve education quality in Haiti at large,” he said.Schuenke-Lucien said the project’s approach to their mission is two-fold.“[Improved literacy] would happen by improving students’ test scores and students’ ability to read and write … and then also by improving the ability of the teachers to deliver a high quality curriculum to the students,” Schuenke-Lucien said.The Haiti Reads team began training teachers in approximately 50 Catholic schools in August 2014, and the teachers implemented the newly crafted curriculums in December 2014, Schuenke-Lucien said.Jaime Zarafonetis, associate director of teaching and learning for ACE, said Notre Dame is excited to work with the teachers in Haiti.“The Haitian educators are exceptionally dedicated, and we feel really grateful at ND that we are working with so many knowledgable and committed educational leaders [in Haiti],” Zarafonetis said.As of now, 49 percent of Haitian third graders cannot read either language, Zarafonetis said.Tags: ACE, Alliance for Catholic Education, Catholic Education, catholic relief services, Haiti Readslast_img read more

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Why the SBA Paycheck Protection Program will change business lending forever

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first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ian Lampl Ian Lampl is CEO & Co-Founder of LoanStreet Inc., an innovative online platform that helps financial institutions share, manage, and originate loans.Prior to launching LoanStreet, Ian served as Deputy … Web: https://www.loan-street.com Details Until this March, your typical small business owner could run their entire life from their smartphone.  The one exception: their business banking relationship. That experience had not changed since the advent of email and, in some cases, the fax machine. If that small business needed to apply for credit, update financials, or make a draw request, then fax, email, or physically showing up at a branch was the primary and most effective method. No other part of their life worked in this fashion. That all changed with the SBA’s Paycheck Protection Program.The COVID crisis and the urgent PPP opportunityThe combination of urgent needs and social distancing requirements made many of the antiquated procedures associated with business lending impractical, if not impossible. Business members needed those loans immediately, and credit unions needed a means of receiving online applications, performing online reviews, and issuing credit online, while working remotely at speed and scale. Many credit unions responded to this crisis by putting into place tools, technologies, and procedures that enabled them to meet this member need. Given the narrow scope of the PPP combined with the digital knowledge that already supported modern consumer banking experiences, for many credit unions this crisis-response entailed only a small investment in specialized PPP software.Once credit unions modernized their lending processes for PPP loans, their small business members could submit online applications, deliver supporting documentation, and information into online datarooms (with audit trails), all the while allowing various credit union staff members to review applications and fund loans — all of it performed online, remotely and efficiently at scale with information and timely updates being communicated to members. This SBA PPP experience was fundamentally different from all prior business lending experiences with their credit union even if natural and expected in the consumer world for these business members.No going back…Business members that have experienced this online solution are not going to understand why they need to return to antiquated ways of doing business banking once the crisis is behind us. Rightfully so, they will expect that if a credit union can execute in an all-online environment during a crisis, provide strong member communication, and have access to information in real-time, then surely a credit union can do the same during normal times.Credit unions that want to win business banking and grow will have no alternative but to provide small business borrowers with a modern digital experience for originating and servicing loans. The inefficiencies that were tolerated in large part due to inertia, as well as an excessively cautious approach to modernization, will no longer suffice. Simply put, the question of whether credit unions can deliver a modern digital commercial lending experience has been answered. Now, credit unions will need to rise to the occasion across all commercial and business banking. PPP cannot be and will not be a one-off experience. There is no going back.What this means for credit unions moving forward…Credit unions now enter the future having demonstrated that their organizations are ready to deliver a fully digital lending experience, knowing that small businesses will expect it. What’s still required is investing in enabling technologies that can support that process for a wider variety of commercial loans. Given the positive economics of small business lending, this technology decision will receive renewed attention. Gone will be the status quo bias and inertia that can frequently delay investments. Even capital constrained budgets can leverage SaaS-delivered solutions with volume-based pricing that integrate easily, and at low cost, with any technology stack. Once such new software is adopted, credit unions will immediately be able to efficiently deliver a modernized commercial lending experience to their small business members, gain greater market share and grow just as they successfully accomplished during the SBA’s Paycheck Protection Program.last_img read more

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Ultimate gentleman’s cave for sale

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first_imgEnjoy a round of tennis before cooling off in the wine cellar.A temperature-controlled wine cellar, leather lounge entertainment retreat, alfresco sitting area, water views and tennis court – could this be the Gold Coast’s ultimate gentleman’s cave?The rare waterfront offering on a highly sought-after street in Benowa Waters has gentlemen across the city checking their finances. MORE: Tony Smith’s beachfront home sells for record $25m The McCarthy family outside the Benowa Waters home they built 15 years ago. Picture Glenn Hampson Build a dream home to go with the man cave on the only vacant block for sale in the area.Located on one of Benowa Waters’ more sought-after streets, the block is also one of only three vacant lots in the area and the only one that is currently for sale. “It’s a premium offering,” said Ms Moffrey, who is seeking offers of around $1.5 million.“The block is north to water and it’s the only block without a house in Benowa Waters that is for sale, so it’s quite rare.”“If you built up, you would have skyline views, so it’s got a lot to offer.” Buy a mansion for $5.9m, get a free cruiser The temperature-controlled cellar houses 25,000 bottles of fine wine.While a tennis court occupies the majority of the 742sq m block at 66 Charolais Crescent, the designer man cave has everything a respectable bloke might want when needing a little ‘he time’.The property is owned by Pat and Penelope McCarthy, who founded Australia’s first perfume chain, Perfume Connection, in 1993. From one store in Bundall, they grew the enterprise into a nationwide 70-store chain before selling in 2007. Settle into the leather lounges in front of the large screen television with a glass of your favourite red.The wine cellar holds 25,000 bottles, is fully temperature controlled and a 24-hour security system.“Since it went online yesterday I’ve had a crazy response,” said marketing agent Rebecca Moffrey of Professionals Mermaid Beach.More from news02:37International architect Desmond Brooks selling luxury beach villa7 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag1 day ago“I think the wine cellar could also attract a few ladies on the Gold Coast.”A wine barrel and bar stools are ideal for tasting sessions inside the cellar itself, but stately leather lounges and a large flatscreen television are the place to really settle in with your drop of choice.“There’s also an alfresco area off the man cave so you could fish or watch the boats pass by while you enjoy a cheese platter with your wine,” suggests Ms Moffrey. Gold Coast house values jump 8.5 per cent The McCarthy family home at 66 Charolais Crescent sold for $2.43m in February.Public records show the McCarthys sold the six-bedroom Hamptons-style house at 64 Charolais Crescent in February for $2.43 million. However, the buyer passed on the chance to purchase the adjoining tennis court and man cave, which sit on a separate title.Both wine lovers, the McCarthys sought council approval to construct the wine cellar, which involved digging in behind the original boat shed. last_img read more

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