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I first wrote about Silvercar, the app-driven premium rental car service, last year as it launched. With the Silvercar referral program, they will pay you $100 for every first-time renter who rents a car for a minimum of two days. The biggest downside to this is that they are not offering any incentive to others who actually do rent through this referral.
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Kindergarten to College has achieved its goal of reaching all elementary schools in the San Francisco Unified School District.
This year, Citi Microfinance and the Citi Foundation partnered to drive a discussion on agricultural value chain finance through a panel titled "From Farm to Plate" (check out this blog post for one attendee's take).
Citi Community Development was proud to support the 38th Annual Lunar New Year Banquet of its long-time community partner, Asian Americans for Equality (AAFE.) Citi Foundation has supported the work of AAFE's affiliate, Renaissance Economic Development Corporation, a CDFI and technical assistance provider focused on low-income, minority and women-owned businesses in low-income immigrant neighborhoods. CurrenC SF is a partnership between the San Francisco Office of Financial Empowerment, the San Francisco Chamber of Commerce, and the United Way of the Bay Area, with generous support from Citi Community Development, Visa and the Levi Strauss Foundation. For employers, moving to direct deposit and paperless pay can lower payroll processing costs by up to 90 percent, and eliminates the headache of lost and stolen checks. CurrenC SF is an extension of the City's pioneering program Bank on San Francisco, which has provided over 72,000 bank accounts to low-income San Franciscans and spread to more than 100 cities across the country. More than 67,000 households in San Francisco are paid with paper checks, including 68 percent of low-income workers. Several CurrenC SF Employer Champions including Recology, Blue Shield of California, William Watlington Foods, Walgreens, Rickshaw Bagworks, Bi-Rite Market and Goodwill Industries were recognized for their leadership in financial empowerment efforts and participated in the launch. The CurrenC SF website provides resources to help employers initiate or expand direct deposit in their organizations. As Black History Month draws to a close, I am mindful of how fortunate I am to work for two organizations that are strongly committed to the twin, complementary goals of diversity and empowerment. Similarly, New York City Mission Society, for which I am Chair of the Board of Directors, promotes the positive development of underserved young people and families in order to strengthen communities and, as a consequence, our city's diversity. As it turns out, both Citi and New York City Mission Society are celebrating 200 years of service in 2012.
Citi's commitment to diversity spans the organization a€” particularly through the activities of Citi's Employee Networks a€” and the calendar, with events and activities highlighting the months that have been formally designated to celebrate the culture, history and contributions of various communities. Across the country, Citi's African Heritage Networks (AHN) provide a wide range of educational, cultural and fellowship-building opportunities during African American History Month.
Ellen Stafford, who has been with Citi in Irving, Texas for a little over four years, got involved with the Dallas-Fort Worth AHN as Communications Chair this year. As Executive Recruiter for North America, Ellen is very aware that Citi provides an even playing field on which qualified applicants, both within and outside Citi, can compete. Ellen is shifting her recruiting focus from IT to sustaining Citi's overall culture of diversity.
More broadly, Ellen would like to see an increase in positive, healthy messages in popular culture, particularly for children, and a continued and strong policy focus on education.
Annette Griffin of Baltimore agrees about the importance of education and how helpful it can be to have a mentor, as she did. Annette is a Senior HR Generalist and supports employees in Maryland, Virginia, West Virginia, Ohio and Pennsylvania. In Columbus, Ohio, Jenine Johnson of Securities Processing notes that Citi has had a major impact on diversity in her metropolitan area, thanks in particular to the leadership of the Columbus Office Director Mark Bjorstrom. Jenine has taken an active role herself in expanding diversity, including introducing Citi's African Heritage Network in Columbus. Jenine strongly values African American History Month and all the diversity months that Citi celebrates. Willie Henry Jr., of Citi's Graduate Recruitment Team in Jacksonville, Florida, is co-chair of the AHN there.
Willie draws inspiration from football legend Jerry Rice a€” "who showed that, with the right tools and hard work, you can compete with anyone even without traditional stamps of status" a€” and from his own brother-in-law, who moved up the ranks at one of the country's largest retailers. On July 17, 2009, a national consortium of non-profit affordable housing developers submitted an application to the U.S. CPLC has organized this coalition in partnership with National Association for Latino Community Asset Builders (NALCAB).
Listen to Jason Ott's experiences with the San Miguel Cristo Rey Corporate Internship Program.
Citi volunteers will contribute about 150 service hours at local VITA sites this tax season.
Volunteers also will be out in force at Tucson's 2011 Money Faire on April 2 to help the United Way of Tuscon and Southern Arizona's mobile VITA team prepare tax returns for free. Citi has partnered with United Way of Tucson and Southern Arizona to transform and expand a successful, six-year financial education program called Citi Youth into a dynamic and holistic family financial capability center, called the Prosperity Center. Imagine teaching a young person about how to find available college scholarships and then helping his parents complete the standard financial education application form. With the Prosperity Center, Citi has partnered with United Way (UW) of Tucson and Southern Arizona to transform and expand a successful, six-year financial education program called Citi Youth into a dynamic and holistic family financial capability center. The Prosperity Center offers financial education classes from 3-6pm, when students typically participate in after-school programs, and will remain open until at least 7pm so that adults (including those who don't have children at the host school) also can participate in workshops and avail themselves of the Center's other asset-building services.
The Citi Youth financial education program, now in its sixth year, teaches basic financial concepts to youth aged 5-16 and also offers "train-the-trainer" sessions for financial education teachers.
Citi Community Development has partnered with the USC-operated MBDA Business Center in Los Angeles, the City of Los Angeles Mayor's Office of Economic & Business Policy, the Southern California Minority Business Development Council, SBA SCORE, and three ethnic minority chambers to launch the Bridges to Business Success (B2BS) Program to provide an advanced business training program focused on building the capacity of minority small business owners in Southern California. With a lending commitment of more than $100 million, Citi is helping to revitalize the Bayview district of San Francisco. AnewAmerica Community Corporation's Green Business Certificate program" part of its comprehensive, three-year Virtual Business Incubator model" educates and encourages budding, low-income entrepreneurs to adopt green, sustainable business practices. Since the Green Business Certificate program began in 2008, 270 people have received intensive training in green business practices and 80 have achieved green business certification. In California's Central Valley, Citi has invested more than $28,000 to support four EITC sites. In 2010, with Citi's support, local VITA sites helped bring over $14.9 million in tax refunds back to more than 11,000 low- and moderate-income clients and their local communities.
The Citi Foundation supports the Financial Literacy and Asset Development Program, a ten-week course that teaches concepts and skills for saving money, using credit and practicing sound money management.
Participants spend twenty hours in classroom sessions and receive individualized guidance in creating personalized money management plans and analyzing their credit scores with the goal of repairing damaged credit. In California, Cabrillo Economic Development Corporation is making affordable housing available and sustainable. In 2009, the Citi Foundation provided a grant to Cal State University Northridge (CSUN) Student Outreach and Recruitment Services to support its College Can Happen Initiative (CCHI), a strategic and comprehensive program to improve enrollment at the university.
CCHI provides information and encouragement to middle and high school students and their parents, in low to moderate-income (LMI) communities in San Fernando Valley and Los Angeles, to help them prepare for entrance into a four-year college.
Many of the students reached by CCHI would be first-generation college students, and the program aims to foster a college-going culture.
As part of the CCHI program, Citi volunteers have taught financial education workshops at CSUN on how to manage finances on a student budget, credit, savings and investing.
Citi is working with Self-Help to expand financial inclusion for thousands of Californians.
A supportive and welcoming environment, achieved through staff preparation and branch design.
Additionally, through financial education that is provided, innovatively, to customers waiting in line, the Micro Branch encourages individuals who use only its check cashing services to expand their relationship by becoming savings account holders and credit union members. To enable replication of the Micro Branch model, the CCD grant also supports analysis of the operating model and customer outcomes. Jose came regularly to the Micro Branch, every Friday, to cash his check and send money to his family.


Read the latest announcement from the City and County of San Francisco about the Kindergarten to College program. Kindergarten to College is an easy-to-use savings platform that will help more families start saving earlier for college. The program will continue to motivate college savings through additional matches and incentives. An important part of the Kindergarten to College program is its financial education component. In a recent USA Today supplement on Financial Literacy, Citi's collaboration with the City and County of San Francisco is featured prominently in the article "Milk money, crayons, bank account," and Bob Annibale, Global Director of Citi Microfinance and Community Development, is among the Panel of Experts weighing in on Youth Financial Literacy. On October 5, 2010, the City and County of San Francisco and Citi announced the launch of the Kindergarten to College partnership, the nation's first city-wide, universal college savings program for children. Citi's commitment and success in developing innovative, collaborative and impactful solutions to critical community needs was recognized on November 8, 2011, when Citi Community Development received the Community Impact Award at the 15th Annual CRA & Fair Lending Colloquium.
Jenny Flores, Senior Vice President for Citi Community Development in California, receives the Community Impact Award on behalf of Citi from Edward B. The Community Impact Award is bestowed each year "to dedicated compliance professionals and their institutions," to honor "outstanding and innovative efforts in furtherance of the goals of the Community Reinvestment Act." The Award also is intended to encourage innovative community lending and to provide the financial industry with examples of superb programs that have made a large impact on underserved communities. K2C was developed with participation across Citi's businesses and with leadership by Citi Microfinance and Citi Community Development. The award was accepted on behalf of Citi by Jenny Flores, Senior Vice President for Citi Community Development in California. Citi is a longtime supporter of the FRC's Family Economic Success Program, which includes free tax preparation services for low-income individuals and families through VITA. In Oakland, California, the East Bay Asian Local Development Corporation (EBALDC) is ensuring that students in elementary school learn good money management habits.
Students who complete the program are provided with a popular board game that involves purchasing and money management issues or a $50 savings bond that's intended to jump-start their good savings habits. Citi Community Development is providing a $150,000 grant to enable Enterprise Community Partners and Waypoint Homes to provide a financial capability program coupled with the purchase, renovation and rental of "real estate owned" (REO) properties.
Meet the participants in Bridges to Business Success, a pioneering, multi-stakeholder program that enables the City of Los Angeles to leverage its allocation from the Federal Neighborhood Stabilization Program to provide contracting opportunities to local, minority-owned small businesses.
Entrepreneurs in the food service industry face sizeable start-up and operational costs, among other challenges. The Chef's Center of California is run by the Episcopal Housing Alliance and Economic Development (EHAED), which also provides business training courses for aspiring chefs and food entrepreneurs. Part of the facility, the Citi Small Business Technology Center, offers training and technical assistance to incubator participants. A variety of food-related business have been launched through the Chef's Center, including popular food trucks, gourmet bakeries, farmers market vendors and restaurants.
Victor Ramirez of Citi Community Development serves as vice-chair of the Center's Board of Directors. Microloans that enable people to start small businesses and lift themselves out of poverty have proven their effectiveness in developing countries. The program makes loans of $250, $500 and $1000 to women with very low incomes to empower them to start small businesses in their communities. With Citi's support, FFW has been able to expand its impact by opening new loan centers in the poorest communities of San Diego County. The program benefits primarily Latin American and African immigrant women, specifically those who have no banking or credit history and lack access to capital.
The 119th running of the Boston Marathon Tens of thousands of runners, including some of the worlda€™s best, and hundreds of thousands of fans hit the streets of Boston on Monday for the 119th running of the Boston Marathon. If you would like to help support the site with your applications, please check out the links on this page for offers. To make it even sweeter, when you reach five renters through your code, you will receive an extra $500! I am not including mine here, but trying to give others a chance at getting people signed up. I am finding weekend dates at many locations for $159 for a two day rental (that includes taxes and fees). He has run in marathons around the world for less than it would cost to travel to the next town - all as a result of collecting and using miles and points.
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The Skoll World Forum, viewed by many as the social impact sector's version of the World Economic Forum meetings in Davos, Switzerland, brought together 900 highly-selected attendees from leading organizations to explore new ways for civil society, often in partnership with business and government, to address global challenges like financial inclusion. Bob Annibale, Global Director of Citi Microfinance and Community Development, led a conversation with representatives from Nestle, Green Mountain Coffee Roasters, the Bill and Melinda Gates Foundation, and Root Capital (a Citi Foundation grantee) about how to bring additional value to smallholder farmers that grow staples like coffee and cocoa that many multinational buyers in turn sell to consumers.
Employees who receive paper checks often turn to check cashers and other fringe financial services, costing the average worker $1,000 per year in fees.
The CurrenC SF website offers how-to guides, marketing materials, best practices, and expert advice to employers, and connects employees to low-cost checking accounts and other healthy financial products. Department of Housing and Urban Development in response to the Neighborhood Stabilization Program Round II (NSP II) Notice of Funding Availability released on May 4, 2009. The Prosperity Center is strategically located in a local middle school for convenient access by low- and moderate-income families and offers a wide range of free financial education workshops and services, including Earned Income Tax Credit (EITC) knowledge and free tax preparation that translates into recovered earnings and increased assets. This program targets communities of people who often are underbanked or unfamiliar with available financial services, including immigrants from Southeast Asia who live in the Sacramento area. Learn about their impact in the community and meet someone who has a decent, affordable place to live thanks to Cabrillo.
In December, after being a customer for eight months, he declared he was ready to open an account.
E-FILE web-based program developed by the Legal Aid Society of Orange County to help people file their taxes at no charge.
Kramer, Executive Vice President for Regulatory Programs at Wolters Kluwer Financial Services.
Kramer, Executive VP for Regulatory Programs at Wolters Kluwer Financial Services (sixth from right). A Citi Foundation grant supports FRCs free volunteer income tax assistance (VITA) program, which helps low-and moderate-income (LMI) individuals and families claim the Earned Income Tax Credit (EITC), enabling them to save up to $360 by avoiding costly commercial tax services. Citi employees will donate their time through the entire tax season, providing onsite banking services at VITA sites in the Bay Area including at the FRC to help low-income families.
Citi also has supported FRC's offering of Money$mart, a 10-module financial education program created by the FDIC, as well as financial counseling and coaching. Through its Money Savvy Youth program, which is supported by Citi, EBALDC teaches financial education to fourth and fifth graders in the Oakland public school district. With Citi's help, EBALDC was able to expand its Money Savvy Youth Program in 2011 to serve 20 out of 60 public schools in Oakland, reaching 750 students a€” almost double the number from the year before.
Minority-owned businesses are extremely effective at driving economic growth and and the 'Bridges' program will create more than 200 jobs by the end of 2012. The Center offers a ten-week series of small business seminars, taught by Citi volunteers, on entrepreneurial skills including developing a business plan, strategic marketing, product presentation, food-handling requirements, licenses and certification requirements. To date, 107 businesses have utilized Chef Center's community kitchen and their business training programs.
The great thing right now is that they are trying to encourage you to encourage your friends to rent with them – and they are willing to pay you a big referral! Apparently, they are relying heavier on the strength of their product to entice new renters and are instead seeking to drive people to encourage friends and family to sign up. If you plan on renting a car, please use one of the links below – I am sure they will appreciate it!
To rent an Audi A4 with just using your smartphone and the ease of skipping the rental areas, that is not that bad of a price! You then actually use your Silvercar app to get into your car and then receive your receipt when returned. Over the years, he has flown hundreds of thousands of miles and collected millions of miles and points.


With a dramatically growing demand for sustainable and certified products (fair trade, organic, etc.), multinationals such as Nestle are developing shared value approaches to their sourcing and supply chain to ensure a higher quality and quantity with greater consistency. CurrenC SF empowers San Francisco's businesses and workers by helping them adopt modern, innovative payroll solutions. In addition, the San Francisco Office of Financial Empowerment has worked with payroll companies, payroll card providers, banks, and other financial institutions to develop a list of healthy alternatives for businesses to consider when moving to direct deposit. Citi volunteers will participate as financial education teachers, tax preparation guides and mentors for the students.
Since its inception, the Financial Literacy and Asset Development Program has helped hundreds of individuals to understand the financial services available to them and to acquire the knowledge needed to build assets. He had heard the tellers talk about the accounts for months, but needed time to build his trust. Since 2004, more than 14,000 filers have taken advantage of this program, resulting in the return of more than $21 million in federal refunds, including $12 million through the EITC.
In addition, Citi has provided Individual Development Accounts (IDAs), which are matched saving accounts, through FRC.
As an added benefit, the participating small businesses will renovate foreclosed properties and increase the supply of affordable housing. So far, federal officials have been coldA to suggestions that a version of HIP could be offered as an alternative to expanded Medicaid.A To enroll in Medicaid, Indiana will continue to require that eligible Hoosiers earn less than 22 percent of the federal poverty level. It might help others as well if you can comment on whether you have used Silvercar before and what your experience was. The goal of this initiative is to achieve a fully electronic, paperless payday, helping to bring thousands of San Francisco households into the financial mainstream and reducing reliance on high-cost check cashing services. Motivated by a desire to build his savings so that he could return home to visit his family, he decided that a 'My Piggy Bank' account would work well for him.
Households that earned less than $49,000 in 2010 are eligible for free tax preparation at VITA sites. This unique public-private collaboration, designed and supported by Citi Community Development, provides a blueprint for other local governments to put minority-owned small businesses at the center of neighborhood revitalization. After the courses, many of the students took the next steps in starting food service enterprises, and many have continued to use Chef's Center's kitchen services. You could probably have a family member (like kid or something:) refer you and that would drive your out-of-pocket cost down even more on this service! The race goes on during a pause in the trial of Dzhokhar Tsarnaev, the 21-year-old ethnic Chechen who was convicted earlier this month of the bombing. His trial will move into a second phase beginning on Tuesday, with prosecutors arguing that he should be sentenced to death for his crimes.
Police urged spectators not to bring large bags or coolers, saying that such packages would be subject to search. He casually mentioned that he had thought about buying a house one day but knew it would be difficult since he did not have any credit history. The teller described our 'My Fresh Start' loan, a product she was very familiar with since she had recently completed her own loan. She mentioned the benefits of the loan: in addition to building credit history it is structured so the member amasses $500 in savings when the loan is paid off. In the span of 12 months, Jose went from being a repeat check-cashing client to an account-holder with a 'My Piggy Bank' account and, now, a borrower. This was the essence of President Barack Obama's message when the Affordable Care Act was passed. The womena€™s race will be wide open with three-time winner and reigning champion Rita Jeptoo of Kenya excluded from the race this year while she serves a two-year ban from the sport after failing a drug test.
Top womena€™s contenders include Buzunesh Deba of Ethiopia, 2012 Boston winner Sharon Cherop of Kenya, as well as Shalane Flanagan, who originally hails from the Boston suburb of Marblehead, Massachusetts, who finished fourth in 2013.
In addition to attracting elite runners competing for the $830,500 in prize money, the worlda€™s oldest annual marathon is a mecca for dedicated amateurs who work for years to meet the strict, age-graded time cutoffs they must pass to earn a coveted spot in the field.
A The US Mail was one of the most efficient success stories of federal government until the move to private management. Throw in the efforts of Congress to sink the Post Office to benefit private couriers -- and behold!
The ordinary citizen has no personal communication system that isn't driven by corrupt national security agendas. He'd gotten a call that the detour was no longer in effect, so he'd driven the regular route.
They directed him down a side street that looped around into a U-turn that put him back in the same place going east. As we crossed another east-bound artery, a passengerA pointed out we could have gone that way instead of taking the highway.
But when the debate is voluntary among just us, I'm the first to say we're a bunch of redneck know-nothings. The opposition to expansion of rapid transit for Marion and Hamilton counties provides a benchmark for the level of stupidity we live with.A Yesterday I was at a bus stop about a half-mile from my doghouse. A The challenges of the job on this particular day would include serving a wedding banquet and then an evening soiree of fraternity boys. Holding a second job would be impossible, unless it was within walking distance of the first job -- and then she still wouldn't be able to get home by herself. It's OK for people of means to shop at a discount grocer, because they're being smart with their money. And who is losing precious minutes of life sitting in traffic?Do you really want to put 40,000 miles on a car in one year?
Let the rapid transit bills pending in the state legislature move forward, and let the people vote in a referendum on how big a transit program they're willing to support. A Or here's an idea: If we can have rituals for kissing pigs, how about a ritual to honor the diversity of community opinions on how to preserve the environment and build a stronger economy at the same time? Indeed, big money has been given directly by a federal PAC to Pence's gubernatorial campaign, because unlike federal law, Indiana statute permits such direct communication and financial transactions with hisA campaign committee. During the last 60 years, we got rid of segregated schools, poll taxes, literacy tests for voting, Jim Crow laws, and physical barriers denying people with disabilities access to public places. Now,A considering the implications of Citizens United, we cannot afford to be nostalgic.A Let the dogs out. The biggest cheaters on public school achievement tests are not students and teachers, but the politicians who useA testing to support their agendas.
All we need to do is to tell everyone -- students, teachers, and parents -- what will be on the gateway exam to graduate, and on the state end-of-course exams. A A  Then, if the students can't pass these tests after being given every chance to show a knowledge of core skills, they shouldn't be given waivers to graduate.A A  For example, it makes sense to pick about 20 types of problems that are exemplars of processes in math, and in grammar and usage.
The students should also expect to write a short essay.A A  I wonder if half the politicians in Indiana could pass?
If the process works correctly, the classroom time will be used appropriately.A A A  And then the cry, "Oh, no .
This was the essence of President Barack Obama's message when the Affordable Care Act was passed. The ordinary citizen has no personal communication system that isn't driven by corrupt national security agendas.
Holding a second job would be impossible, unless it was within walking distance of the first job -- and then she still wouldn't be able to get home by herself. Let the rapid transit bills pending in the state legislature move forward, and let the people vote in a referendum on how big a transit program they're willing to support. A Or here's an idea: If we can have rituals for kissing pigs, how about a ritual to honor the diversity of community opinions on how to preserve the environment and build a stronger economy at the same time? Indeed, big money has been given directly by a federal PAC to Pence's gubernatorial campaign, because unlike federal law, Indiana statute permits such direct communication and financial transactions with hisA campaign committee.



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