Monthly Archives: December 2013

10 Best Stocks Under $10 – Own a share of a company Now

Did you ever wanted to own a share of a company but thought you can’t afford it? Now you can! Check out these stocks under $10 to start your portfolio for 2014.

Ten ‘cheap’ stocks for investors who care about nominal price

By Jeff Reeves, Editor of  |  Nov 14, 2013, 11:43 am EST

Finding the best stocks under $10 per share is no easy task. Inherently, cheap stocks come with bigger risks because they are either very small companies or a big company that has been beaten down to a low price.

But the best cheap stocks do share some common characteristics: a bit of short-term momentum, good long-term outlook and preferably a balance sheet that is in the black and supporting dividend payments.

You can’t find all of these things all the time, of course, but when looking for the best stocks under $10 this is a good checklist to keep in mind.

Most of the 10 picks on this list hit all those marks — and if they don’t, they at least have an especially strong short-term performance or long-term outlook to make up for it.

Huntington Bancshares

One sector of the stock market that has big potential in 2014 is regional banks. And among these players, Huntington Bancshares (HBAN) is one of the strongest regional banks on Wall Street.

Broadly speaking, smaller banks can be safer than the big players like Bank of America (BAC) or JPMorgan Chase (JPM) because they aren’t exposed to the same risks of massive lawsuits over subprime mortgages, and they don’t operate aggressive trading desks that could cost them a fortune if the bets go bad.

Consider $13 billion in fines recently paid by JPM as a case study in the kind of pricey risks that come with major financial stocks.

Regional banks like HBAN are pickier with their mortgage exposure and thus safer. And while regional banks are certainly a cyclical play based on stronger business and consumer lending, there’s a brighter outlook for 2014 as unemployment continues to mend.

Throw in a 2.3% dividend for this stock and you’ve got a decent winner under $10 a share.

Banco Santander

If you’re looking for a more aggressive play in the financial sector, consider Spain financial player Banco Santander (SAN).

Battered by the downturn in Europe, Santander has had a lot of trouble since 2009 but is finally showing signs of turning around as Spain starts growing once more. Furthermore, Santander has extensive operations in Latin America to fuel growth in addition to being a play on Europe’s recovery.

Adding the international stock like Banco Santander is easy, too, because the company trades on the New York Stock exchange just like Walmart (WMT).

If you’re looking to get a position in Europe as the continent bounces back from recession or if you want to play the emerging market consumer in Latin America, SAN is a great way to do so. And with an annualized dividend yield of about 7%, this bank stock will pay you nicely even if the share price stays put.

Lionbridge Technologies

Lionbridge (LIOX) is the kind of cheap, small-cap stock that investors love. This player has soared 60% in the last three months thanks to nice earnings and improving investor sentiment.

LIOX provides language translation services for some of the leading international industrial and technology companies, including Microsoft (MSFT) and Google (GOOG). But in the past few years, the company has grappled with cut-backs and soft enterprise spending from its major clients.

After some lackluster results, the company had a much better second-quarter and said that activity among its leading customers was much better. The stock went on a tear soon after and has yet to cool off.

Margins could improve along with sales in the coming quarters to boost this cheap stock even higher. While there’s always the risk that businesses will spend less on IT should the economy get rocky, recent improvement shows that LIOX has momentum on its side right now and remains a hot tech play.


Commodity stocks and materials stocks have been laggards for quite some time thanks to weak industrial demand and soft prices for base metals. But while Alcoa (AA) has bounced around between $8 and $10 since late 2011, there may be signs of a recovery ahead for this battered aluminum giant.

Consider that, after big losses in 2009 and a struggle to turn a profit all the way through fiscal 2012, Alcoa is projecting 70% earnings growth this year and another 30% earnings growth in fiscal 2014.

This is despite very soft aluminum pricing due to a strong dollar depressing commodity prices and weak manufacturing outlooks around the world, particularly in China.

However, China’s economy is still growing at a brisk rate of about 7.5%, Europe is seeing a mild recovery now that it has exited recession, and America continues to slowly improve with each passing month.

AA stock is up about 10% since early October, so there’s hope that the worst is behind this aluminum giant … even if it is no longer a Dow component after getting the boot from this benchmark index in September.

Annaly Capital Management

Interest rates have been rock-bottom since the Great Recession, but that will change in the years ahead. And when it does, Annaly Capital Management (NLY) is the best way to profit from rising rates.

Annaly is well position to profit because it is able to make more money from the loans it services in a higher interest rate environment. Annaly manages real-estate debt, so the amount of money it makes in interest payments rises with interest rates.

Also, Annaly pays a massive dividend of 13% as a result of this structure — passing on much of the interest payments it receives from borrowers directly to its shareholders.

If the housing market does crash a second time, however, Annaly will be in dire straits as all those mortgages go bad. And a decrease in loan portfolio income would probably result in a quick draw-down of NLY’s dividend, doubling investors’ pain.

But considering the cheap share price, the potential for dividends in the short-term as well as appreciation in the long-term under a higher interest rate environment, NLY stock seems like a decent play to consider for more aggressive investors.

Advanced Semiconductor Engineering

Advanced Semiconductor Engineering (ASX) builds and distributes integrated circuits and other electronics. It’s not as sexy as some mobile chipmakers, but thankfully it doesn’t have to be — ASX is simply capitalizing on the general demand for microchips in everything from cars to computers to TVs.

The company is based in Taiwan, close to many Asian electronics manufacturers. And regardless of whether those manufacturers crank out something as hot as the iPhone from Apple (AAPL), the stock will still have a strong baseline simply because of how many high-tech devices exist in the world.

Year-to-date, ASX has underperformed but since August it has tacked on more than 20% thanks to improvement in operations. Also, the diverse business of Advanced Semiconductor makes it a bit more stable in the long haul than a company very reliant on laptops and desktops.

ASX is not a chip designer, so it doesn’t have the same big margins as the companies who create the next hot chip … but it also doesn’t have the same risk. That allows Advanced Semiconductor to keep cranking out products in a reasonable reliable fashion — and support a 3.6% dividend yield as a result.

Exco Resources

Exco Resources (XCO) is one of many oil and gas small-caps that could be great long-term buys considering the recent underperformance of the energy sector and the hopes of a recovery in 2014. But beware that, at least in the short-term, the momentum is pretty disappointing.

Exco is an onshore oil and natural gas play focused mainly on shale operations. Its focus is on using horizontal drilling to extract gas from shale formations in east Texas, north Louisiana, Appalachia and the Permian Basin in west Texas.

Year-to-date XCO is off about 20% thanks to weaker natural gas prices and a lack of demand.

But the good news is that Exco is the right size for these lean times and should be able to bounce back in 2014. For instance, in fiscal 2012, EXCO reduced drilling rigs from 24 to just five, and laid off more than 60% of its contractors and one-sixth of its full-time workers. All in all, it slashed capital expenses by more than a billion dollars. The restructuring hit the company hard, but has put it back on track.

The company also pays a nice 3.7% dividend to tide you over as you wait for a recovery in energy prices, demand or both.

Alpha Natural Resources

Coal stocks are hardly a low-risk or high-popularity investment right now. President Obama continues to hit the sector with harsh regulations for coal-fueled power plants, and the crash in commodity prices means that the coal sector is caught between two very harsh pressures.

But coal remains a huge export from the U.S. and a popular power source in China. That means companies like Alpha Natural Resources (ANR) aren’t going away anytime soon — no matter how much the environmental lobby wishes that it were so.

Alpha Natural Resources is bleeding cash pretty badly, so that’s a huge risk. However, the company was profitable as recently as 2010 and has taken some big steps in recent months to cut costs — including a big reduction in capital expenditures.

This is far from a sure thing, but ANR stock has already regained about 40% in the last three months despite still being in the red year-to-date, so there’s clearly a short-term pop in sentiment.

If that continues, this cheap stock could be a high flier in 2014.

Lee Enterprises

Newspapers are hardly a growth industry, but after such a horrible fall from grace, publisher Lee Enterprises (LEE) may be a decent investment once more.

LEE stock is down almost 90% from its 2007 highs, and down about 40% from early 2010. The reasons are obvious — declining newspaper readership broadly, and the declining margins for news publishers as they trade “print dollars” for “digital dimes.”

But the good news is that after some big losses over the last few years, Lee Enterprises is profitable once more and set to post its best earnings since 2010 — and only its second annual profit since before the Great Recession. As a result, the stock has almost tripled in 2013, going from about $1 a share to more than $3 in just six months.

The stock killed its dividend in 2008 amid the downturn, but there’s a chance that the company could begin some modest form of payout again if it continues to stabilize.

There is admittedly big risk here, because print media is hardly a growth industry, but there is also stability since Lee tends to mostly serve small or midsized markets where the local news business remains very entrenched and part of the community. With about 1,500 daily and weekly newspapers, Lee could be a stable investment with modest upside in the year ahead now that it has “right-sized” its business.


Japanese stocks have been on a tear for about 12 months thanks to “Abenomics,” a collection of loose central bank policies and stimulus measures that were meant to kick-start the nation’s economy.

And though Mitsubishi UFJ Financial (MTU) has already tacked on an impressive 55% return since last November, there is still upside as Japan squeezes out a bit more growth and as the yen continues to trade at deep discounts to the Euro or the U.S. dollar.

Though it doesn’t sit well with some investors, a weak currency boosts exports and can increase the corporate profits of businesses that do a lot of business abroad by simple virtue of a more favorable exchange rate.

Furthermore, the hopes of japan actually posting some decent growth — at least, relative to its minimal economic expansion since the late 1990s — could mean increased lending activity for MTU.

Throw in a nice 2.4% dividend and you have a pretty good case for a bargain buy in Mitsubishi Financial.

Jeff Reeves
 is the editor of and the author of The Frugal Investor’s Guide to Finding Great Stocks. Write him at or follow him on Twitter at@JeffReevesIP. As of this writing, he did not own a position in any of the stocks named here.

Tips to Make Money in Stocks That Could Double in 2014

5 Stocks That Could Double in 2014

There are no guarantees, but these stocks are good bets

By Will Ashworth, InvestorPlace Contributor  |  Dec 18, 2013, 11:28 am EST

As we enter the final two weeks of 2013, the S&P 500 is up 28% year-to-date through Dec. 16. In a quick screen of 3,200 stocks with market caps above $300 million, a total of 259 have doubled in price in 2013.

However, those kinds of returns aren’t going to be easy to repeat. Most Wall Street types expect 2014 to produce more moderate returns somewhere around 10%, thanks to high valuations and expected tapering from the Fed.

With market returns expected to be more than half what they were in the past year, investors definitely have their work cut out for them trying to find high-performing stocks for next year. But we’ve tried to do the hard work for you: Here are five stocks that could double in 2014.

TiVo Who?

Once upon a time there was a company named TiVo (TIVO) that made TV set-top boxes. I didn’t realize it was still around, but it is — with a meager 1% gain in 2013. But it’s business is coming around thanks to Roamio, its all-new digital video recorder (DVR).

The company describes Roamio as part cable box, DVR, Apple TV and Slingbox. The Roamio, when applied to TiVo’s iOS app, allows you to stream shows live or pre-recorded through your iPhone or iPad out-of-home. According to Stewart Wolpin of, “Roamio is the only ‘cable’ set-top box offering both out-of-home DVR and ‘live’ streaming. I’m not a huge TV watcher away from home but I get the significance.”

I like TIVO because it’s growing subscribers, it has over $1 billion in cash, its shares didn’t move in 2013, it’s making more money this year than last, and it has new technology that could be a game changer.

Trading at 1.5 times cash, it’s worth a shot. Just don’t blow your retirement on it.

Tata Motors: Jaguar and Land Rover

India’s Tata Motors (TTM) bought the two luxury car makers fromFord (F) in June 2008 for $2.5 billion. Since then, the two car makers have brought out some very nice vehicles including the Range Rover Evoque and Jaguar F-Type. Since the acquisition, Tata stock is up 149% compared to 29% for the S&P 500. However, most of the gains came in 2009 when investors realized Tata made a very good deal.

In the second quarter, Jaguar Land Rover wholesale volumes grew by 31.6% year-over-year to 101,931 vehicles worldwide. Jaguar’s wholesale volume in the quarter grew by 91.6% while Land Rover’s wholesale volume was up 22.9%. Profits before tax grew by 55% to $1.1 billion. For the first six months of the year it will generate $1.8 billion in profit before tax. By the end of the year Jaguar Land Rover will have made more in one year than Tata paid for it.

With very little movement in its stock in 2013 despite a very strong year from Jaguar Land Rover, I expect significant appreciation in 2014.

SodaStream: Getting Thirsty

SodaStream (SODA), the Israeli company that put the fizz back in your tap water, went public in November 2010. Since then, its stock has been on a major roller-coaster ride, twice piercing $70 only to fall back to earth closer to its $20 IPO price.

Not surprisingly, both of those surges were in July when more people are looking for refreshment. Since the two previous surges occurred in 2011 and 2013, a technical analyst might be inclined to wait until the spring or summer of 2015 to buy some shares. I wouldn’t.

Stock Twits has some interesting comments from investors that points to better times in the future. Although the note suggesting Q4 unit sales will increase by 30% year-over-year to 730,000 units is interesting, the fact that Karen Finerman owns more than 500,000 shares is far more telling about the opportunity that currently exists with SODA.

I don’t know where it’s meant to trade, but I do know that a 25% haircut over the past three months is unwarranted. Lastly, in early December SODA announced that it appointed Scott Guthrie as its GM for North and South America. Guthrie is a top-notch consumer brands executive who can take the business where it needs to go in SODA’s most important market. I see a big-time bounce back in 2014.

Masco: Foundation for Growth

Barron’s published an article on December 5 about why Masco(MAS) is a buy with a 12-month price target of $26. At current prices, that’s about a 21% gain on your investment, yet here I am picking the manufacturer of home improvement products to pull a double in 2014.

Before you say I’m off my rocker, here’s my rationale: Masco’s remodeling business generates 55% of its revenue. Housing prices in the U.S. continue to strengthen, and that will increase spending for repair and renovation work in homes across the country.

Although its $3.4 billion in debt is troublesome, it’s important to remember that Masco’s business gets stronger as every day passes. It’s expected to generate around $1.5 billion in free cash flow over the next year, providing plenty for debt repayment. At a recent investors’ conference, Masco announced that its November sales were in the high single-digits and Q4 would be just as strong as the two previous standout quarters.

Mohawk Industries (MHK), which is a peer of Masco’s, has had a great year in 2013 up 56% year-to-date — 26 percentage points higher. In fact, MHK has seriously outperformed MAS over any period in the last decade. While I believe Mohawk is a superior company, I see Masco taking some of its thunder in 2014.

Leapfrog: Christmas Looks Mediocre

My final pick to double in 2014 comes with a bit of a caveat.Leapfrog Enterprises (LF), which sells the LeapPad family of tablets, is expecting lackluster Christmas revenue given the difficult retail environment and shortened holiday season. Analysts expect full-year diluted earnings per share of 43 cents, which is considerably less than in 2012.

In November, LF stock got dumped by more than 10% when it announced its weak Q4 guidance. There likely will be significant promotional selling of its products the closer we get to Christmas, putting pressure on its stock price.

Here’s where the caveat comes in.

I’ve always liked LeapFrog as a company because it provides excellent educational products for children. Parents appreciate that and are willing to pay handsomely for them. So, it does have a defensible market. As long as it keeps making products that garner lots of awards it should do fine. My thought is that despite its warning in November, its Q4 announcement in January could set off some more selling. If the stock were to drop a couple of dollars to $6, a double to $12 by the end of 2014 is definitely possible.

However, there’s almost no chance of a jump to $16 over the next 12 months as it hasn’t traded that high since 2004. Long-term it will probably be bought by Hasbro (HAS) or Mattel (MAT). Only in an acquisition scenario could I see a double in 2014.

As of this writing, Will Ashworth did not own a position in any of the aforementioned securities.

Turn Your Computer Into A Money-Making Machine

Turn Your Personal Computer Into A Money-Making Machine by Storing; Printed Reports On Disk


Fact 1: Mail order business is the most ideal business to operate from home. Thousands make lucrative incomes and enjoy operating from the comfort of homes, setting their own business completely out of the “rat race” . These people will never work for a boss again. The postman brings them fat profits every day – often more than they earned in a month working for others. A US. Government report states that many one–person mail order businesses are making profits up to $50,000 per year. The more successful mail order dealers have become Millionaires!

Fact 2:The world’s easiest mail order business is Selling INFORMATION BY MAIL. Hundreds of thousands of men and women are making money in this wonderful, fantastic work. When I say information I mean VALUABLE INFORMATION, with intrinsic value-. It could be an idea, a secret a name, an address, but something, of value it at people are willing to pay for it. What could be more profitable than selling paper and ink whereby you print information for pennies… and sell them for dollars?

Fact 3: ””Information by Mail” is a billion dollar a year Mail Order Business with a market of over FORTY MILLION CUSTOMERS, and it is growing faster every year. We are now in an information AGE where there is an explosive demand for valuable information in all sectors of today’s society. With such statistics, it’s easy to see why more and more people are entering today’s most exciting; and more profitable business.

Many individuals just like yourself are making more money in only a week in the Self-PUBLISHING BUSINESS than they can make in a month working for someone else.


There are two ways you can be a SELF-PUBLISHER; the hard way .. .or the easy way.

1. You can write your own self-published materials. You do your own research, find out what topics people will buy and the right price they are willing to pay, develop and advertise your offer or report, test the market, etc. etc.

 Although this may be a more rewarding experience (especially if you love to write and want to be an author), I don’t advise it. As a beginner, I mean. Once you become an expert in this business, you can write your own materials, make more money and have a lot of fun. But meanwhile …

2. You can BUY your own self-published materials by acquiring the best-selling reports and manuals that are available in the market today, including the right to resell and reprint. That’s right. You save the hassle of writing your own reports. You simply pay the full retail price, which will include the right to reprint the items you bought!

Now listen. I am not talking about the sub-standard material in the market. Be careful when you acquire an article or report for resale; You don’t want to purchase incorrect or incomplete information, reports of poor reproduction quality,or information that simply has no apparent value.

To be successful, you must buy for distribution, the kind of quality material that will satisfy your customers and make them want to order from you again. One source of reports with reprint rights is: Infopreneur Box 20412 El Cajon CA 92021. The company offers a free catalog. 

Once you acquire reproduction rights you can reproduce materials as you receive orders. A report of several pages in length can be reproduced for 20 to 30 cents and sold for several dollars. This generally provides a profit of 100% a higher When you purchase the reproduction rights you acquire the right to reproduce the copyrighted materials, which also includes the right to resell the reprint rights. Meanwhile, let’s say you have acquired the reproduction rights for top notch reports


The most important thing that you can do as a Self-Publisher is to convert your printed information into computer-readable moneymaking information! This simple act will give you the leading edge in this business. By combining technology with the information self-publishing concept, you gain tremendous possibilities for success.

1. You keep your information current, accurate and easy to update. You can change, improve and add information as you gain more experience. You can include your own personal identity and unique information regarding your offer or business.

2. You maintain high quality printed information by using the latest technology in printing hardware and software. You have more convenient storage, faster access and better manageability in maintaining your information

3. When printing costs become prohibitive, say in producing a 100-page report, you can sell your information on disk. This automatically eliminates printing costs and reduces mailing costs substantially.

4. Since your information is stored in your computer, you can then transmit via modem, bulletin Board, electronic mail, fax, or any means of telecommunications. Shape of things to come? Nope. This is happening today. This is now a common mode in the business of transmitting (and selling) information.

5. Finally, with the above hi-tech facilities, you will be operating just like a big corporate publishing firm and will be perceived as one. You improve your credibility as an entrepreneur. There are now thousands of small one-person businesses operating from home, just like the big ones.


Here is a summary of the important benefits of operating your own Self-Publishing Mail Order business:

No. inventory to carry and easy to reproduce

Extremely high mark up

Easy and inexpensive to ship via First Class or UPS

Ideal as a primary offer or as follow up offer to existing buyers

Very Large market demand

By the way, you don’t have to own a computer to operate your own self-publishing business.

The purpose of this Guide is simply to show how much more of advantage you will have if you use a computer as a tool in making yourself-publishing business more efficient and successful. Be a self-publisher first, then computerize your information later.


Think about the future. Whether you work part time or full time, you’ll be able to operate this proven, wealth building business from your home, and you’ll have fun making money. You wont need any employees, and you. You won’t have to share your profits with anyone.

NOW IS YOUR MOMENT TO ACT!!! You have much to gain and nothing to lose.




Tips, Tricks, and Tools for Promoting Your Business

To Understand Cultures of the World & learning Swahili anyone?!

To understand cultures and religions of the world Joseph Campbell (1904-1987) and the Power of Myth ..very deep and interesting

These Students are studying Swahili from Dr. A. Omar, the President of VIWIDA-USA who teaches at Indiana University (Bloomington Campus). The students have learned swahili well and are aware of Tanzania politics, because the Doctor always takes her students to Tanzania for further studies and volunteerism… Thumbs up for a job well done!

Hindi cultures – Presenting hot and sexy Rekha with traditional dancing – Desi

Free Webinar: Evolving Nonprofit Regulations in 2014

Don’t miss out on this free Webinar for your Nonprofit!!    Free Webinar: Meeting Evolving Nonprofit Regulations in 2014

Nonprofit accounting regulations and standards continue to evolve—from determining fair market value on unconditional promises to reporting classifications for restricted funds. How can you ensure accountability and compliance in all facets of your financial management?

Register today for this free webinar!

Join us for the one hour webinar “Meeting Evolving Nonprofit Regulations in 2014”, as nonprofit accounting expert, Jacqueline Tiso, shows how nonprofits can leverage their accounting systems to effectively meet and comply with ever evolving regulations and standards.

During this session you’ll learn:
• What new regulations and standards should concern you most
• How to implement internal controls to ensure accountability
• How to provide transparency to show compliance with funder requirements
• Why cloud financials makes accountability easier than ever with lower cost and increased ease of use

Date: Thursday, December 19, 2013
Time: 11 AM PT / 2 PM ET

Register today for this free webinar!

Presenter Information:
Jacqueline Tiso
CEO, JMT Consulting Group

The 2014 Campaign to End Violence Against Women


One Billion Rising for Justice
Fight Violence Against Women…to read more go to




V-Day has set up a V-Fund to benefit women and men on the ground immediately….READ MORE


Building on last year’s sold-out public forum on the State of Female America, V-Day is…READ MORE

Live Coverage: Nelson Mandela Memorial Service&OBAMA’s Speech

JOHANNESBURG (AP) — Celebrating one of his personal heroes, President Barack Obama praised Nelson Mandela as the last great liberator of the 20th century, urging the world to carry on his legacy by fighting inequality, poverty and discrimination.
At a memorial service in Johannesburg, Obama compared the former South African President to Mahatma Gandhi, Martin Luther King Jr. and Abraham Lincoln.
“For nothing he achieved was inevitable,” Obama said. “In the arc of his life, we see a man who earned his place in history through struggle and shrewdness, persistence and faith. He tells us what’s possible not just in the pages of dusty history books, but in our own lives as well.”
The crowd at the half-filled stadium erupted in applause each time Obama’s name was mentioned or his image was shown on the screen. Dozens gathered below the box seats where Obama and other U.S. presidents sat, waving and snapping pictures of the leaders.
As if to underscore the spirit of reconciliation that Mandela’s life embodied, Obama shook hands with Cuban President Raul Castro as he made his way down a line of world leaders gathered to honor the anti-apartheid leader. It was a rare moment of accord for the leaders of the two Cold War enemies.
Calling himself a beneficiary of Mandela’s struggle, Obama traced the influence that Mandela’s story has had on his own life, disclosing that he asks himself how well he’s applied Mandela’s lessons to himself as a man and as president.
He said in the U.S., South Africa and around the world, people must not allow progress that’s been made to cloud the fact that more work must be done.
“We, too, must act on behalf of justice. We, too, must act on behalf of peace. There are too many of us who happily embrace Madiba’s legacy of racial reconciliation, but passionately resist even modest reforms that would challenge chronic poverty and growing inequality,” Obama said, referring to Mandela by his traditional clan name.
Extolling Mandela as practical but unyielding on his core principles, Obama said it was because Mandela could admit to being imperfect that the world loved him and continues to learn so much from his example. “He was not a bust made of marble. He was a man of flesh and blood,” Obama said.
He said Mandela had changed both laws and hearts, inspiring those around him by reconciling with the jailers who kept him prisoner for 27 years. In trusting others despite the injustices he suffered, Mandela showed that the cruelty of the past must be confronted with truth, generosity and inclusion, Obama said.
“We will never see the likes of Nelson Mandela again,” Obama said. “But let me say to the people of Africa, and young people around the world: You can make his life’s work your own.”
Joining Obama on the 16-hour trip from Washington for the ceremony were first lady Michelle Obama, former President George W. Bush and his wife, Laura, and former Secretary of State Hillary Rodham Clinton. Former Presidents Bill Clinton and Jimmy Carter also attended the memorial service.
Follow Julie Pace at

Funding Opportunities, Trainings, Conferences and Other Resources

Funding Opportunities

Due Dec 31 Fiskars’ Project Orange Thumb Grant

Fiskars is contributing to the community garden effort. Grants awarded up to $5,000. Schools & non-profits are encouraged to apply.  Due: December 31. Go to:


Due Jan 15 American Association of University Women Community Action Grants

The AAUW is accepting applications for Community Action Grants of up to $10,000. Grants are available to individuals, AAUW branches and AAUW state organizations as well as local community-based nonprofit organizations for innovative programs or non-degree research projects that promote education and equity for women.


Due Jan 15 Gates Millennium Scholars: Scholarship Program for Low-Income Minority Students

1,000 talented students each year are selected to receive a good-through-graduation scholarship to use at the college or university of their choice.


Due Jan 17 Keystone Communities Program

The Keystone Communities Program appropriation for FY 2013-14 is $11.3 million.  Applicants seeking Keystone Communities Program funding must submit an application to DCED no later than January 17.   The guidelines can be found on DCED’s website, search for Keystone Communities in the Funding & Programs section of


Due Feb 3 HUD FY 2013-14 NOFA for Continuum of Care (CoC)

The Department of Housing and Urban Development (HUD) has released a Notice of Funding Availability (NOFA) for its Fiscal Year 2013 and Fiscal Year 2014 Continuum of Care (CoC) NOFA Program Competition.


The Travis Manion Foundation – Challenge Grants

Provides grants, logistical assistance, coaching and mentoring to help Veterans and Service Members transition to civilian life and meet their personal goals.


Walmart Grants Available to Nonprofits

The Walmart Foundation supports programs from a local to national level that support hunger relief and healthy eating, sustainability, women’s economic empowerment, and/or career opportunity. For information:


Save-the Date! June 18-20, 2014          PHFA Housing Services Conference   

  Scranton Hilton and Conference Center

Pull out your 2014 calendar and Save the Date for the Annual PHFA Housing Services Conference coming to the Scranton Hilton and Conference Center June 18-20th. Use this opportunity to network with your fellow managers and service coordinators statewide.  You will surely learn with over 30 informative breakout sessions and 3 keynote speakers covering the most current topics pertinent to the Affordable Housing industry.  This is also a great chance to enjoy Northeast PA and the variety of great summer activities it offers.  Watch for upcoming conference details about this year’s “Watt’s Cooking in PA“ resident/property engagement project, the Showcase of Best Practices, and the work the Host Committee is planning for you to maximize your conference experience.

2014 Housing Services Conference Sponsor/Vendor RFP

Don’t miss the opportunity to share your products, services and resources with the affordable housing industry in PA by being an exhibitor.  To access the RFP, go to:

Dec 10 Mental Health First Aid Training- Beaver County

Beaver County Behavioral Health will sponsor a free Mental Health First Aid Training which is an interactive 8-hour certification course. It will be held at Beaver County 911 Center 351 14th Street Ambridge, 8:30 – 4:30.   For information or to register e-mail

Affordable Health Care Act Facts

The National Council of Aging has composed a fact sheet with a list of five things that you should know about the Affordable Care Act. Go to:


A Simple Truth You Can Use to Set Yourself Free

by Guy Finley

Key Lesson: Today’s lie is tomorrow’s fear.

Five Facts to Liberate You from the Lie of Fear

The more we are willing to learn about the way fear works, the less power it has to work its ways on us. Use the five facts that follow as special study guides to help liberate you from the lie of fear.

Look at each of these higher insights as a kind of spiritual window to be opened by you, for the purpose of letting in the Living Light. With patient study and sincere self-work, you will soon open them to reveal their special secret lesson. Then watch in amazement as you realize the meaning of something you heard long ago, but never really understood: The Truth sets us free because no lie can live in its Light.

  1. We never make our fears prove themselves, but instead ourselves prove their dread with our own fearful reactions that make us run away from what is feared before we even look upon its face.
  2. Fear’s power is that it uses the unseen contents of our own consciousness to twist and transform the unknown of what lies just ahead into something known to be dreaded in the now.
  3. Fear is the dark and imaginary distance between the coming possibility of an imagined challenge and the actual arrival of whatever that condition may be that our life then requires to resolve.
  4. Anxiously seeking to find some way to protect ourselves from the fear of something that may be coming our way is to punish ourselves in the present moment in the hope of avoiding it later!
  5. Rather than allowing our fears to find excuses for why we should walk away from what challenges us, we must choose instead to see that there can never be a good excuse for living with fear.

For a deeper understanding of this topic we recommend The Courage to Be Free.

Lose Your Fears and Win Real Life

by Guy Finley

Key Lesson: In the end, nothing we seek to win in this life can enrich us half as much as what we’re willing to lose for the sake of living without fear.

Secrets to Fearless Living

There is a way past this part of yourself that would rather hold on than get out. However, to really let go of these fears, we must first go through them.

The only thing you lose when you let go of something you are afraid to live without is the fear itself.

Real freedom is the absence of the self that feels trapped, not the trappings that self acquires to make it feel free.

We each have — right here, right now — everything we need to succeed with finding the lasting wholeness and happiness for which our heart of hearts seeks.

The divine intelligence that seeded within you the wish to realize a free, holy, fearless life will see to its flowering, providing you nourish this same wish with all your heart, mind, and soul.

This article is excerpted from Letting Go.