Community & Economic Development Programs to preserve, rehabilitate and construct affordable housing in low and moderate-income areas; Organizations that provide home-buyer counseling to families in the LMI communities; Programs that support small business development, commercial revitalization, and job creation; Programs tailored to assist LMI individuals in development of work and life skills, with a specific emphasis on work-entry programs, skills training, and employment retention; Senior services, workforce development and services for individuals with disabilities.     Education Innovative programs that offer assistance to low-and moderate-income (LMI) youths to excel in school and prepare for higher education; Financial literacy programs for youth and adults in LMI communities; Effective mentoring programs for at-risk youths; Student scholarship programs focused on finance related studies; Literacy, math, parent engagement efforts and English as a Second Language (ESL); Entrepreneurship education programs for underserved youth.     Civic & Community Civic organizations that focus on development of neighborhoods and preservations of social issues; Organizations that seek to enhance communications and understanding of other communities with our communities; Voter registration and education, community organizing and leadership development.      Health & Welfare Homeless, crisis shelters and battered women shelters; Programs that provide services to children and families at risk; Soup kitchens; Health prevention and education targeted to conditions such as diabetes, obesity, asthma; insurance enrollment of uninsured children and adults; mental health services; fitness and nutrition.     How to apply for a grant Copyright 2010 Cathay Bank Foundation. All rights reserved.