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Tagged with "president obama"
Crowd Investing for Underserved Communities of Color
Category: GENERAL
Tags: crowdinvesting bill huston underserved communities president obama 2012 job acts alternative financing

Crowd Investing For Underserved Communities of Color

 

Crowd Investing for Underserved Communities of Color

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Bill Huston
CMO & Crowdinvesting Consultant at FundWest Louisvile, LLC

Introduction to Alternative Finance

Business owners are acutely aware that most small businesses, small scale real estate developers, and startups struggle to get access to capital and underserved communities of color receive extremely small amounts of funding from traditional funding sources. So, instead of protesting and complaining maybe small businesses and small-scale real estate developers should begin to implement different methods of alternative capital deployment. We are going to talk about different types of investment alternatives that are on the cutting edge of new capital formation for underserved and communities of color.

Local Investment Clubs

A traditional investment club is a small group of individual investors who come together to learn, share investing experiences, and help each other become more successful investors. Clubs provide education, camaraderie and buying power, plus the confidence of knowing you don’t have to go it alone. Clubs can also choose not to pool investment dollars and instead simply come together to discuss investment ideas and analysis.

The Crowd Investing Twist

Local crowd investment clubs will have a focus on investing in local businesses and local small scale real estate development in underserved communities using crowd investing to allow the club members the ultimate reward derived from local crowd investing to be owner, customer and brand advocate all at the same time. Again this is a way to build local wealth and create in underserved communities.

Impact Investing from Corporate and Philanthropic Foundations

Local place-based impact investments make a lot of sense for foundations because the benefits that locavesting bring to both the investor and the community where they live can be immense. So, let’s take the next logical step and examine why more philanthropic and corporate foundations should look to the local market to make impact investments along with a small percentage of their endowments that they use to make grants. This really makes sense with the new Opportunity Zone legislation and the ability to run crowd investing offers side-by-side to provide a pathway for inclusive investing from zone residents.

Poverty and Inclusive Investment

So many of the problems and issues that plague inner-city communities are poverty based and many of them stem from government policies such as redlining and urban renewal. If foundations change their relationships to these communities from charity and began the process of providing location-based impact investment into these communities coupled with crowd investing as an inclusive investment option to fund local businesses, small scale real estate development, and wealth building initiatives based on market principles many of the poverty-based issues could be addressed.

Crowdinvesting

Crowd investing is the truly revolutionary centerpiece of the JOBS Act of 2012. It became legal on May 16th, 2016. Crowd investing provides a platform for small scale real estate developers and small companies to raise money from the general public—wealthy, not wealthy, friend or stranger—as long as the investment takes place on a web site operated by a traditional broker-dealer or an S.E.C.-sanctioned crowdfunding portal, and certain other requirements are met the process is simple and straightforward. There are many protections built into the process by the SEC and FINRA to protect investors.

The Rules Exist

Specifically, the law allows companies to raise up to $1 million in a 12-month period from the public. Investors are capped at the greater of $2,000 or 5% of their income if their annual income or net worth is less than $100,000. The final rules also impose a limit on how much those with an income or net worth greater than $100,000 can make: they are limited to $10,000 per year or 10% of their income or net worth.

Alternative Finance

There are many new and emerging forms of alternative finance that provide the democratization of capital in underserved communities of color. Many of the communities find themselves isolated in urban centers and are areas of concentrated poverty. These areas of concentrated poverty tend to be places that lack hope and many residents become trapped in the despair and hopelessness of the environment. But just like policy created these communities. Policy and the commitment of investors, developers, and entrepreneurs can transform these communities using market principles.  

Understanding Crowd Investing

Securing capital for businesses and real estate development in underserved communities of color has always been a very daunting task and in some cases, it has been flatly denied by government policy such as “Redlining”. Since the “Great Recession,” it has been increasingly difficult for small businesses and small scale real estate developers to secure finance through traditional channels. As a result, more and more businesses are turning to crowd investing to raise the necessary funds.

Online investors have been quick to respond to the growing number of investment opportunities and offer and, as a result, crowd investing is growing by leaps and bounds. The process has been slower in communities of color for a number of reasons, but BHEC.rocks has a mission to provide the needed education to position communities to take full advantage of this President Obama era law.  

Join Us

If you want to learn more about community capital and crowd investing’s ability to create change in your community, business venture, or small scale real estate development come over to bhec.rocks and learn how to make this information actionable for you and your community

 
 

 

 

 
President Obama to Establish César E. Chávez National Monument
Category: GENERAL
Tags: president obama obamz cesar chavez national monument civil rights

President Obama to Establish César E. Chávez National Monument

On October 8th, 2012, President Obama will travel to Keene, California to announce the establishment of the César E. Chávez National Monument.

Years in the making, the monument – which will be designated under the Antiquities Act – will be established on the property known as Nuestra Señora Reina de la Paz (Our Lady Queen of Peace), or La Paz.

The La Paz property is recognized worldwide for its historic link to civil rights icon César Estrada Chávez and the farm worker movement.

 

The site served as the national headquarters of the United Farm Workers (UFW) as well as the home and workplace of César Chávez and his family from the early 1970’s until Chávez’ death in 1993, and includes his grave site which will also be part of the monument.

“César Chávez gave a voice to poor and disenfranchised workers everywhere,” said President Obama. “La Paz was at the center of some of the most significant civil rights moments in our nation’s history, and by designating it a national monument, Chávez’ legacy will be preserved and shared to inspire generations to come.”

From this rural headquarters in the Tehachapi Mountains of Kern County, California, Chávez played a central role in achieving basic worker protections for hundreds of thousands of farmworkers across the country, from provisions ensuring drinking water was provided to workers in the fields, to steps that helped limit workers’ exposure to dangerous pesticides, to helping to establish basic minimum wages and health care access for farm workers.

The National Chávez Center, in consultation with the United Farm Workers of America, the César Chávez Foundation and members of César Chávez’s family, offered to donate certain properties at La Paz to the federal government for the purpose of establishing a national monument commemorating César E. Chávez and the farmworker movement.

 

This designation will represent the culmination of a process that has been underway for several years.

The César E. Chávez National Monument will encompass property that includes a Visitors’ Center containing César Chávez’s office as well as the UFW legal aid offices, the home of César and Helen Chávez, the Chávez Memorial Garden containing Chavez’s grave site, and additional buildings and structures at the La Paz campus.

The monument, which will be managed by the National Park Service in consultation with the National Chávez Center and the César Chávez Foundation, will be the fourth National Monument designated by President Obama using the Antiquities Act.

 

He previously designated Fort Monroe National Monument in Virginia, a former Army post integral to the history of slavery, the Civil War, and the U.S. military; Fort Ord National Monument in California, a former military base that is a world-class destination for outdoor recreation; and Chimney Rock, which is located in the San Juan National Forest in southwestern Colorado, and offers a spectacular landscape rich in history and Native American culture. First exercised by President Theodore Roosevelt in 1906 to designate Devils Tower National Monument in Wyoming, the authority of the Antiquities Act has been used by 16 presidents since 1906 to protect unique natural and historic features in America, such as the Grand Canyon, the Statue of Liberty, and Colorado's Canyons of the Ancients.

 

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THE WHITE HOUSE

Oficina del Secretario de Prensa

 


PARA PUBLICACIÓN INMEDIATA

1° de octubre, 2012

El Presidente Obama establecerá el
Monumento Nacional a César E. Chávez


El día 8 de octubre de 2012, el Presidente Obama viajará a Keene, California, para anunciar el establecimiento del Monumento Nacional a César E. Chávez. Este monumento, que lleva varios años en proyecto y será designado bajo la Ley de Antigüedades, se establecerá en la propiedad conocida como Nuestra Señora Reina de la Paz, o La Paz. La propiedad de La Paz está reconocida en todo el mundo por su conexión histórica con el ícono de los derechos civiles César Estrada Chávez y el movimiento de los trabajadores agrícolas. Este lugar ha sido la sede nacional de la Unión de Trabajadores Agrícolas (UFW, por sus siglas en inglés) así como la casa y centro de trabajo de César Chávez y su familia desde principios de la década de 1970 hasta el fallecimiento de Chávez en 1993, e incluye su tumba, que también será parte del monumento.

El Presidente Obama comentó que, “César Chávez les dio una voz a los trabajadores pobres y despojados en todas partes. La Paz fue el punto de partida de algunos de los movimientos de derechos civiles más significativos en la historia de nuestra nación y, al designársele como monumento nacional, se preservará y se compartirá el legado de Chávez para inspirar a las generaciones futuras”.

Desde esta sede rural en las Montañas Tehachapi del Condado Kern en California, Chávez desempeñó una función clave para lograr las protecciones básicas para cientos de miles de trabajadores agrícolas en todo el país, desde disposiciones que garantizaban que se les proporcionara agua potable a los trabajadores en los campos, hasta medidas que ayudaron a limitar la exposición de los trabajadores a pesticidas nocivos, hasta ayudar a establecer los salarios mínimos básicos y acceso a cuidado médico para los trabajadores agrícolas.

El Centro Nacional Chávez, en consulta con la Unión de Trabajadores Agrícolas de América, la Fundación César Chávez y miembros de la familia de César Chávez, ofreció donar ciertas propiedades en La Paz al gobierno federal con el fin de establecer un monumento nacional para conmemorar a César E. Chávez y el movimiento de los trabajadores agrícolas. Esa designación representará la culminación de un proceso que lleva varios años en movimiento.

El Monumento Nacional César E. Chávez comprenderá propiedad que incluye un centro de visitantes que contiene la oficina de César Chávez así como las oficinas de ayuda legal de UFW, la casa de César y Helen Chávez, el Jardín Conmemorativo Chávez que contiene la tumba de Chavez, y otros edificios y estructuras en el recinto de La Paz.

El monumento, que estará bajo la administración del Servicio Nacional de Parques, en consulta con el Centro Nacional Chávez y la Fundación César Chávez, será el cuarto monumento nacional designado por el Presidente Obama bajo la Ley de Antigüedades. Él designó previamente el Monumento Nacional Fort Monroe en Virginia, una antigua posta del ejército que fue integral a la historia de la esclavitud, la Guerra Civil, y las Fuerzas Armadas de EE.UU.; el Monumento Nacional Fort Ord en California, una antigua base militar que es un destino de clase mundial para recreación al aire libre; y Chimney Rock, que está ubicado en el Bosque Nacional de San Juan en el suroeste de Colorado, y ofrece un panorama espectacular repleto de historia y de cultura americana nativa. La autoridad de la Ley de Antigüedades, que fue ejercida por primera vez por el Presidente Theodore Roosevelt en 1906 para designar el Monumento Nacional de Devils Tower en Wyoming, ha sido usada por 16 presidentes desde entonces para proteger las características naturales e históricas exclusivas en EE.UU., tales como el Gran Cañón, la Estatua de la Libertad, y el monumento Canyons of the Ancients en

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