Vermont Community Loan Fund lends $2.14 million

first_imgVCLF lends $2,140,200 in Q4 2013, promoting job creation, emergency affordable housing, and quality child careThe Vermont Community Loan Fund (VCLF) loaned’ $2,140,200 to Vermont’s small businesses, child care programs, community facilities and affordable housing developers in the fourth quarter of 2013, ‘ promoting’  job creation, quality child care programs, and development of emergency shelters and affordable homes.’ ‘VCLF is proud to work with Vermont’s innovative entrepreneurs, child care and social services programs, and developers of affordable housing who are creating amazing new solutions and opportunities throughout our state’ said VCLF Executive Director Will Belongia. ‘VCLF is proud to help finance these projects that are increasing opportunity, financial stability, and economic justice throughout Vermont,’ he added.Tina Conn and Van Nhum Tran, Essex JunctionWhen Tina Conn and her fiancé, Van Nhum Tran, wanted to purchase the property in which Conn’s business, Crystal Nail Salon, has been located for more than ten years, they came to VCLF to help with financing. The loan resulted in the preservation of two full-time jobs. Additionally, other businesses located in the building provide rental income for the couple.Harbor Place, ShelburneWith Chittenden County’s homeless shelters having to turn away more and more Vermonters in need of emergency housing, Champlain Housing Trust, which creates and preserves perpetually affordable housing in northwest Vermont, arrived at a groundbreaking solution. With VCLF financing, they purchased a former motel, which now provides 60 short-term, transitional homes. ‘ ‘ champlainhousingtrust.orgHollister Hill Bed & Breakfast, MarshfieldBob and Lee Light bought Hollister Hill Farm in 1983, where they milked cows there for 15 years, before converting their home to B&B. The farm raises beefalo, pigs, chickens and turkeys, supplying their farm store as well as providing an agri-touristic experience for guests. When their indispensible tractor needed a new transmission, they came to VCLF to fund its repair, resulting in the preservation of one full and one part-time job.’ is external)Housing Trust of Rutland County, Watkins School, RutlandRutland’s Watkins School served as an elementary school from its construction in 1895 through the 1970s. ‘ In 2013, the Housing Trust of Rutland County, a non-profit developer of affordable housing, purchased the historically-significant property with funding from VCLF, to adapt for residential use. ‘ The renovation will create 15 perpetually affordable 1-bedroom apartments for seniors, as well as 17 construction jobs. is external)’ J & M Fields, Forests and Firewood, DorsetJohn White became ill three years ago. Self-employed and without health insurance, he had no choice but to sell his log skidder to cover medical costs. Today, with help from VCLF, he has purchased a new one, and is back at work in the woods.’ Mike’s Hobbies and Raceway, RutlandMike’s Hobbies & Raceway, a fixture in Rutland for 30 years, had been financing their inventory of model railroads, boats, cars, planes and rockets, collectible coins and stamps and other specialty hobby items, via high-cost credit cards. VCLF provided owner Lee Vaillancourt with a less expensive option by refinancing the existing debt and providing a loan for inventory, preserving one full-time and one part-time job. is external)Packard Lofts, BurlingtonHartland Group Community Developers approached VCLF to help fund their Packard Lofts project, creating 25 affordable homes for rental in downtown Burlington. The loan also led to the creation of 28 construction jobs. hartlandgroup.bizTurtles ‘n Tots, JohnsonTurtles ‘n Tots, the only licensed child care center in Johnson, has been a VCLF borrower since their opening in 2012. This year, owner Michelle Tallman came back to VCLF for another loan to help cover costs associated with expanding her program from 35 children/families served to 50.’  She’ll also employ two more Vermonters, for a total of 10.The Vermont Community Loan Fund’s mission is to create opportunities that lead to healthy communities and financial stability for all Vermonters. Since our inception we’ve lent over $80 million to small businesses, affordable housing developers and community-based organizations that has created or preserved over 3,600 jobs; built or rehabilitated more than 3,200 affordable homes for Vermont’s families, individuals and seniors;’  created or preserved quality care for over 2,800 children and their families and supported community organizations providing vital services to hundreds of thousands of Vermonters.VCLF 1.8.2014‘last_img read more

Cathedral Square wins annual TD Charitable Foundation Housing for Everyone grant of $100,000 for Elm Place

first_imgTD Bank,Vermont Business Magazine Cathedral Square was recently awarded a $100,000 affordable housing grant through the TD Charitable Foundation’s Housing for Everyone grant competition. The grant will be used to help fund the construction of Elm Place, a new affordable housing community in Milton, Vermont. Cathedral Square’s Elm Place will be a service-enriched senior housing community located on a smart growth site in the heart of Milton’s downtown.   This thoughtfully positioned property will sit adjacent to UVM Medical Center’s Milton Family Practice and near the senior center, pharmacy, grocery store, churches, and library, with sidewalks providing walking access to all of these services.  Features will include a community room with kitchen, lounge, elevators, laundry facilities, storage, underbuilding parking, and an outdoor courtyard for social gatherings. The building will be energy efficient and the first certified Passive House multifamily building in Vermont.  Of the 30-units in this property, 28 will be tax credit units for seniors earning less than 60% of area median income (AMI) and two will be market rate. Elm Place will offer SASHSM (Support And Services at Home) at no cost for residents. “There is a significant need for service- enriched, safe, affordable senior housing in Milton,” states Kim Fitzgerald, CEO, Cathedral Square.  “TD Charitable Foundation’s generous grant will help to ensure Elm Place is completed in early 2017  to  provide comfortable, secure homes to many of Milton’s deserving elderly residents.” This year’s “Housing for Everyone” theme was Affordable Housing for Seniors, focusing on initiatives that support the development of safe, affordable, accessible housing for older adults, aged 55 and over. The Housing for Everyone grant competition is one of the TD Charitable Foundation’s most widely known signature programs. The competition invites local non-profit organizations from Maine to Florida to submit proposals outlining their plans and initiatives to support and provide affordable housing initiatives in their communities. Twenty-five organizations throughout TD Bank’s footprint from Maine to Florida were awarded a $100,000 grant for a total grant donation of $2.5 million in 2015.About Cathedral SquareCathedral Square (CS) is a non-profit organization created in 1977.  CS develops and operates communities for seniors and individuals with special needs.  For over 38 years, Cathedral Square has fulfilled its mission of “healthy homes, caring communities and positive aging”, providing housing with supportive services to over 1,127 residents.  Today, CS owns and/or manages 29 housing communities, each uniquely designed to provide safe and secure apartments at an affordable price, to learn more visit is external).  As an advocate for a system that better serves the long term care needs of Vermonters, Cathedral Square administers the SASH model statewide as part of Vermont’s Blueprint for Health.  SASH provides an on-site Coordinator and a part-time Wellness Nurse who work as part of the SASH Team made up of staff from the Visiting Nurse Association of Chittenden and Grand Isle Counties, CVAA, Howard Center and the participating resident or community member.  SASH currently serves over 4,800 Vermonters.  To learn more about SASH visit is external)                  About the TD Charitable FoundationThe TD Charitable Foundation is the charitable giving arm of TD Bank N.A., which operates as TD Bank, America’s Most Convenient Bank®, and is one of the 10 largest commercial banking organizations in the United States. The Foundation’s mission is to serve the individuals, families and businesses in all the communities where TD Bank operates, having made more than $148.1 million in charitable donations since its inception in 2002. The Foundation’s areas of focus are affordable housing, financial literacy and education, and the environment. More information on the TD Charitable Foundation, including an online grant application, is available at is external).  About TD Bank, America’s Most Convenient Bank® TD Bank, America’s Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit is external). Find TD Bank on Facebook at is external) and on Twitter at is external). TD Bank, America’s Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol “TD”. To learn more, visit is external).November 30, 2015 – South Burlington, VT – Cathedral Squarelast_img read more

VAAFM files final proposed subsurface tile drainage rule

first_imgVermont Business Magazine On Tuesday, August 21, 2018, the Vermont Agency of Agriculture, Food & Markets (VAAFM) filed the final proposed rule amendment to the Required Agricultural Practices (RAPs) with the Legislative Committee on Administrative Rules (LCAR) and the Secretary of State (SOS).  The amendment includes requirements for reducing nutrient contribution to waters of the State from subsurface tile drainage on agricultural fields. The formal rule amendment process began in January of this year with recommended changes provided by the Interagency Committee on Administrative Rules (ICAR) during the process.  VAAFM made several amendments and formally filed the proposed rule on February 28, 2018.  In farming, a tile drain system removes excess water from agricultural soils below the surface, usually through a system of plastic piping.  For more information on agricultural subsurface tile drainage, please see the Vermont Subsurface Agricultural Tile Drain Report prepared by VAAFM and the Vermont Agency of Natural Resources: is external)Prior to initiating the formal rule amendment process, the Agency was engaged in various discussions and nine meetings to gather feedback pertaining to the content of the amendment, involving 190 attendees that provided insight as the rule amendment process began. Following the filing of the proposed rule , the Agency held a public comment period which ran from February 28, 2018 through April 20, 2018. During this time frame, the Agency held three public hearings in St. Albans, Montpelier, and Middlebury to gather additional feedback on the final proposed rule, in which 33 interested individuals attended. Overall, the Agency received over 50 written and emailed comments on the proposed rule amendment.The proposed rule amendment, an updated RAP Rule Draft, the responsiveness summary to public comments received, and other pertinent information can be found at: is external)  Source: VFAAM 8.31.2018. Please direct any questions regarding the proposed amendment or the RAPs to [email protected](link sends e-mail) or call (802) 272-0323last_img read more

The psychology of happiness

first_imgWXVT CBS:Everyone wants to be happy. The pursuit of happiness is such a basic human drive that the Founding Fathers included it in the Declaration of Independence.Researchers have found that there are real benefits to being happy. Happiness leads to:Better health and longer lifeBetter relationshipsGreater success at workMore ethical behaviorThe problem is, people aren’t very good at predicting what will make them happy. Winning the lottery doesn’t do it. After the excitement wears off, lottery winners are no happier than non-winners. Wealth isn’t the key. Once you have enough money to take care of your needs, having more won’t make you much happier.Maybe what we need to do is look at happy people. What can we learn from them? Most important, can we become happier?Read the whole story: WXVT CBSlast_img read more

News Scan for Dec 03, 2018

first_imgImmune globulin shows promise for severe Zika thrombocytopeniaAn analysis of Puerto Rican Zika patients who had thrombocytopenia, a rare complication, found that, in those with the severest cases, immune treatments may be more effective than platelet transfusion. A team from the US Centers for Disease Control and Prevention (CDC) and Puerto Rico reported its findings today in Open Forum Infectious Diseases.The researchers scoured the medical records of 37,878 patients infected with Zika virus in 2016 and found that 47 (0.1%) had thrombocytopenia, including 12 people who had a severe form of the complication, which is marked by low blood platelets. Most patients were adults, and 53% were male. For patients with severe disease, platelet levels were at their lowest at a median 6 days after symptom onset, and for those with the milder form, platelet levels were lowest a median of 5 days post onset.Of those with severe thrombocytopenia, all had bleeding, 4 (33%) were admitted to the intensive care unit, and 1 (8%) died. Of the 12 patients, 11 received intravenous immune globulin (IVIG) or corticosteroids, and 9 responded to clinical treatment.Of five patients with severe thrombocytopenia who received intravenous immunoglobulin, median platelet increase was 112 X 109/L (range, 65 to 202 X 109/L), which was higher than four patients who received receive platelet transfusion, for whom the median platelet count increase was 8.5 X 109 (range, -6 to 52 X 109/L), which the researchers said resulted in minimal response.The investigators said the cases from the Puerto Rico series nearly doubles the number of documented cases of severe thrombocytopenia in Zika patients that could be due to immune thrombocytopenia (ITP). They also noted the investigation is the first to determine the population incidence of Zika virus (ZIKV)-linked thrombocytopenia, which was 1.4 cases per 100,000 population.”Regardless of the mechanism, the findings from this investigation demonstrate that timely diagnosis of ITP among patients with ZIKV associated severe thrombocytopenia is crucial to initiating life-saving interventions,” they wrote.Dec 3 Open Forum Infect Dis abstract WHO reports successful end to polio outbreak in SyriaThe World Health Organization (WHO) announced that a polio outbreak of circulating vaccine-derived poliovirus type 2 (cVDPV2) detected in Syria 18 months ago has been successfully stopped.The outbreak began in June of 2017 in the Deir ez-Zor governorate in eastern Syria. A total of 74 polio cases were linked to the outbreak, and the most recent patient suffered onset of paralysis on Sep 21, 2017. No international spread was noted, the WHO said.”Surveillance is stronger today than it was 18 months ago, when the initial cases were detected,” said Chris Maher, the manager for polio eradication for the WHO’s Eastern Mediterranean Region. “Access for both surveillance and immunization is dramatically better, and immunity levels have been increased as a result of the comprehensive outbreak response conducted across Syria.”In 2013, the same region of Syria was affected by an outbreak of wild poliovirus type 1 (WPV1).The WHO warned that Syria is at risk for re-infection because of a deteriorated health infrastructure, ongoing fighting, and internal population movements. Dec 2 WHO news release UK announces vaccine innovation center; Canada boosts CEPI coffersIn hopes of speeding the development of vaccines against emerging infectious disease threats, UK officials announced a dedicated Vaccines Manufacturing Innovation Center (VMIC), which will be led by the University of Oxford’s Jenner Institute, and at the G20 meeting over the weekend in Buenos Aires, Canadian Minister Justin Trudeau announced $1 million ($765,750 in US dollars) more for the Coalition for Epidemic Preparedness Innovations (CEPI).A news release today from the University of Oxford said the VMIC signals a major commercial opportunity and way to protect the nation against pandemic threats. It is designed to address a gap in late-stage vaccine manufacturing and will allow the development and production of vaccines for clinical trials and at moderate scale for epidemic threats to the UK population.The center is slated to begin operations by 2022 and will be located on a new site at The Oxford Science Park. It is funded through £66 million ($84 million) from the UK Government’s Industrial Strategy Challenge Funds Medicines Manufacturing Challenge. Additional funding of £10 million ($12.7 million) will come from commercial and other partners. Three academic centers will run the VMIC: the University of Oxford, Imperial College, and the London School of Hygiene and Tropical Medicine.Meanwhile, CEPI’s CEO Richard Hatchett, MD, said in a statement yesterday that the group is grateful that Canada has increased its contribution and that the current Ebola outbreak in the Democratic Republic of the Congo is a timely reminder of the devastation diseases can cause. “It’s only through collective action that we can hope to protect the world from the threat of epidemics and we warmly welcome Canada’s contribution to that effort,” he said.Canada was one of the groups that provided an initial investment after CEPI was formed in 2017 with a goal of streamlining and funding vaccine candidates targeting three diseases: Middle East respiratory syndrome coronavirus (MERS-CoV), Lassa virus, and Nipah virus. So far, CEPI has received $630 milllion from Australia, Belgium, Canada, the European Commission, Germany, Japan, Norway, the Bill & Melinda Gates Foundation, and Wellcome Trust.Dec 3 Oxford press release Dec 2 CEPI statement Report: TB research funding climbed to new heights in 2017 but still lagsResearch and development funding for tuberculosis (TB) rose to $772 million in 2017, the highest ever and the second year in a row that funding topped $700 million but still well short of what is needed, according to a new report released today by Treatment Action Group (TAG) and the United Nations–hosted Stop TB Partnership.During the first-ever United Nations High-Level Meeting on TB, held during the UN General Assembly in September 2018, TAG reported a $1.3 billion gap annually, which represents the difference between what the Stop TB Partnership says the world needs to invest in TB R&D from 2016 to 2020 (a total of $9 billion, or about $2 billion per year) and current funding.”In order to hit $9 billion in funding for the 2016-2020 period, the world will now have to invest almost as much ($7.5 billion) in the three years from 2018 to 2020, since investments in 2016 and 2017 only amounted to $1.5 billion combined,” TAG said in a press release.That money will likely come in the form of government commitments, as more than 60% of current TB funding comes from the public sector. Dec 3 TAG press releaselast_img read more

Youth voices

first_img Sep 30, 2020 Maritime Webinars Coming for CARICOM Students Sep 29, 2020 Related Posts A CARICOM Youngster Excelling in the Maritime Industry CARICOM Youth Ambassadors and other participants of the Caribbean Forum for Youth, Population and Development, chatted with Communications Officer, Jascene Malcolm during the event that was held in Georgetown, Guyana, 24-26 July, 2018. Listen to their views:center_img CARICOM Youth Ambassadors’ Message – Caribbean… Aug 11, 2020 Share this:PrintTwitterFacebookLinkedInLike this:Like Loading… Samaidy Akima, the CARICOM Youth Ambassador from Suriname, let’s get to know her!The CARICOM Secretariat recently hosted a Forum on Youth Population and Development at the Marriott Hotel in Georgetown Guyana. The Forum was hosted in collaboration with the Caribbean Development Bank (CDB), EU Commission for Latin America and the Caribbean, (UNECLAC), United Nations Population Fund (UNFPA), the Commonwealth Secretariat and other…July 30, 2018In “Associate Member States”Introducing Andre Browne, Dean of the CARICOM Youth Ambassadors CorpsSenior government officials from the Caribbean in the areas of population, youth and development, representatives of Caribbean youth, international organisations, civil society and academia are attending a Forum on Youth Population and Development in Georgetown, Guyana. Five of the CARICOM Youth Ambassadors (CYAs) are also participating in this forum which is…July 26, 2018In “Associate Member States”Meet McAllister Hunt, Saint Lucia’s CARICOM Youth AmbassadorThe Caribbean Community (CARICOM) Secretariat is currently hosting a Forum on Youth Population and Development in collaboration with the UNFPA, ECLAC, the Caribbean Development Bank and other stakeholders. The Forum is being held at the Marriott Hotel in Georgetown, Guyana, 24-26 July, 2018. Saint Lucia in the house! —…July 25, 2018In “Associate Member States”Share this on WhatsApplast_img read more

Glanmore sells up to reduce debt

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

Patrick Corbin, Nationals to square off against Joe Musgrove in Game 3 of series against Pirates; lineup: 8/21-2019

first_imgThe lineup for tonight is as follows: The Washington Nationals are looking to win the third game of the series against the Pittsburgh Pirates at PNC Park tonight. After last night’s loss, the Nationals are looking to bounce back and split this series. Patrick Corbin (9-5, 3.34 ERA) will make his 26th start against Joe Musgrove (8-11, 4.59 ERA). Trea Turner – SSAdam Eaton – RFAnthony Rendon – 3BJuan Soto – LFAsdrubal Cabrera – 2BMatt Adams – 1BVictor Robles – CFYan Gomes – CPatrick Corbin – SPcenter_img First pitch is scheduled for 7:05 p.m. ET.Please follow and like us:last_img read more

Speaking out for fair care

first_imgBy ANEEKA SIMONIS ANNE McCormick is special. Her work at Outlook in Pakenham has shaped a model of care which…[To read the rest of this story Subscribe or Login to the Gazette Access Pass] Thanks for reading the Pakenham Berwick Gazette. Subscribe or Login to read the rest of this content with the Gazette Digital Access Pass subscription.last_img