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Featured OC Hub Program: Document Services

darcia Darcia is not a typical Advocate. Once a week she volunteers her time through CEF’s Orange Community Hub to help Members establish or reestablish identification and documentation. This work of obtaining photos IDs, birth certificates, and social security cards can become very complex, and requires the time of someone like Darcia who can offer her dedication and deep understanding of all different factors at play!

What is the role of documentation?

Documentation is the bedrock or the foundation of life’s needs in our society. It is fundamental to securing housing and employment. It is not a barrier to—as much as it is essential.

How has this work affected your views on poverty?

I always thought of myself as someone who thinks about others, but this work makes me feel the weight and enormity of it all, how overwhelming it must be. We as individuals often live in our own space with our own worries, and then you have people with such different—more vital concerns

What have you learned about the systems that provide and sometimes complicate the process of securing identification?

I have found that people really do want to be helpful for the most part, but there are a lot of rules. Sometimes it can be very challenging when people are not moving forward with the process or it is simply taking forever. One birth certificate was weeks overdue. I called many times and they consistently told me they were processing it, but a week later there would be no progress. The Member stopped coming as a result, so I’m not sure what happened with that case.

How did you get involved?

I was previously involved with Love Chapel Hill, an action-orientated, church-based organization whose mission is to help the homeless within our community. And then I think I met Jon or Maggie(CEF’s Co-founders) at Starbucks and they told me about CEF.

Ultimately, I saw the need. I had friends who were already coming to me asking if I could help them procure documentation for others.  I approached Maggie or Jon and said “what if I came in for a few hours a week and helped members with this sort of thing,” and that is exactly what ended up happening!

What is the hardest case you have worked on?

Often times I am asked to establish ID for individuals who need to keep their whereabouts confidential. My concern has been that an individual trying to get an ID would end up on the public record, and risk them being found. Usually, I tell the individuals that this is a risk that cannot be taken in their situation and that the best course of action is to talk to the attorney general or someone in the state department.

What has been your most inspirational case?

I once had a member that was so persistent in asking me, ‘when am I gonna get it, when am I gonna get it’  because he urgently needed it for a job application. He was so persistent that when I saw him on Columbia Street, he came up to me to tell me he still had not received his ID. At that very moment, I put my stuff down and called up vital records right then and there. He got his ID not long after.

 

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CEF at the 2016 Asset Learning Conference in DC

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Highlights of our lessons learned, big ideas, and big takeaways!

CEF’s Program Coordinator and Operations Coordinator, Maggie West and Jon Young, rode the Megabus up to DC last month to attend the Assets Learning Conference, hosted by our friends and partners at CFED. Here’s a peek at what got us excited and where we’re taking those ideas next!

Ideas for Better Safe Safe Savings Accounts

  • The Five Friday Month: A simple but catalytic idea from JPMorgan & Chase Institute on Income Volatility! During a month with five Fridays, many households have more expendable income than they do in a typical month. How can we leverage that in CEF’s matched savings programs to encourage increased savings during that time in the calendar?
  • Gamifying Savings: Simple immediate incentives like congratulatory and animated texts can go a long way to reinforcing positive savings behaviors. Gamification of savings is a hot topic too, with exciting work by Commonwealth. Let’s implement these simple incentives!
  • Multi-Generational Saving: So many spaces lifted the importance of whole-family, multi-generational supports, and so many spaces talked about the promise of Children’s Savings Accounts, which got us thinking. What if we could collaborate with fellow providers locally to be able to connect members to Children’s Savings Accounts
  • Kickstarting Savings: We were inspired by CFPB and Earn.org’s exploration of saving account structures that incentivize deposits in the initial opening months. What if we explored adding in savings account structures that encourage initial deposits towards a ‘starter’ or monthly goal. Habits of savings could be kickstarted by a goal CEF members can reach in a short amount of time (1-3 months).

 

Models for Collaboration that improve the financial well-being of lower-resource households:

Financial Empowerment through Municipalities

    • Cities for Financial Empowerment Fund emphasizes that financial empowerment services should be provided as a public service by municipalities. Financial counselors one-on-one supports available writ-large, and the city contracts with nonprofit organizations to implement the program. Evaluation results coming shortly, but all signs point to fantastic outcomes!
  • Credit Building through Rent Reporting:
    • AHC, Inc. of Greater Baltimore has integrated financial coaching, incentivized savings, incentivized automatic bill-pay, and rent reporting for their tenants
  • Partner with Public Utility companies to offer credit and cash-flow coaching!
    • In the LIFT-UP Model utility companies worked closely with financial empowerment centers to refer customers who were behind on their water bill specifically in order to avoid late fees, reconnect fees, or other fees. Evaluation showed a reduction in overall debt and an increase in on-time payments from participants.

 

From Crisis to Financial Stability

CEF’s Maggie West presented on a panel for “From Crisis to Financial Stability” at the conference!


Financial apps are “in,” and CEF has some cool tools to add to the mix!

  • Lots of apps (#fintech) are being rolled out to make financial coaching and saving more accessible to providers and consumers alike. In the context of the larger, nationally scaled world of apps, CEF’s ability to create technological solutions that are hyper-relevant to our local community (like OCconnect.info) is rare and valuable.

Invaluable research and analysis about :

  • According to a Federal Reserve Survey, about 46 percent of Americans said they did not have enough money to cover a $400 emergency expense. Our Safe Savings Accounts and Renter’s Savings Accounts have even more relevance than we could have guessed! Almost half of households in the country could benefit from this targeted and structured opportunity to save towards both short-term and longer-term goals.
  • 60% of US households receive their income not on a monthly schedule (e.g. weekly or bi-weekly) while 60% of household expenses are billed on a monthly basis. This fundamental mismatch exacerbates household financial insecurity. This mismatch leads to opportunity in our financial coaching in terms of how we support members in cash-flow budgeting. For example, if members receive their income bi-monthly, bi-monthly payments of bills might make more sense for their cash flow.
  • The Ever-Growing Gap details the need for transformative policy change in order to truly end the racial wealth divide, showing that if we continue at similar rates to date, “Black families would not reach wealth parity with White households until the year 2241.” 228 years! Read the report to learn more about CFED’s policy recommendations.

So many ideas, sessions, and conversations inspired us to deeper reflection and thoughtful action…. far too many to name here! Moreover, the opportunity to connect with groups from all over the country who share our commitment to improving financial well-being through creative and responsive strategies was reinvigorating and exciting!

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Unlocking Doors for Affordable Housing

“Remember that these are the people that nobody else wants to work with, it seems.  So, let’s not leave them out. We can’t leave anyone out.” — Mark Scruggs, Open Table Ministry, Voucher-Holder for 5 years

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We welcomed 48 landlords and property managers, 23 partnering organizations, and over 80 supportive community members into the downtown Temple Building for the Mayor’s Landlord Roundtable.

Holding a Voucher, Without a Home

Last week, the Durham Housing Authority (DHA) opened the waitlist for Housing Choice Vouchers for one week only. Durham residents crowded CEF’s office to apply in hopes of getting a voucher of their own—a federal subsidy that should expand their access to market-rate housing. But for many voucher-holders, that access is being increasingly denied by the landlords that say “no” to this form of payment.

One CEF Member shared what a blessing the voucher has been for her and her three kids. “I was homeless and disabled, but DHA made a way for me to have a place for me and my kids. If not for this voucher, I’d still be in a shelter.” But many others are sharing stories like Tasha’s, who shared, “I just wish more landlords here in Durham would accept vouchers… being homeless for two years has just been a nightmare for me and my family.” The feeling can be crushing, to be without a home while holding a housing voucher that seemingly no one will accept.

You might ask as we did: why would a landlord refuse to accept a voucher—a guaranteed monthly rent payment? Why is demand for safe and affordable housing so high, but supply so low? With DHA opening up new partnerships with housing and homeless non-profits this year, and with immense support for affordable housing in the community, we knew we could cultivate conversations to answer these questions.

The Mayor’s Landlord Roundtable

On the afternoon of June 30th, a dedicated team of CEF staff, interns, and partners welcomed 48 landlords and property managers, 23 partnering organizations, and over 80 supportive community members into the downtown Temple Building for the Mayor’s Landlord Roundtable.

At the event, Mayor Bell challenged the community to work together to lease up 115 vouchers by the end of the year, and City councilmember Steve Schewel highlighted the importance of the DHA as a crucial provider of affordable housing. Next, Anthony Scott (the new CEO at the Durham Housing Authority) shared his vision to increase the efficacy and efficiency of the DHA. Finally, Terry Allebaugh (NC Coalition to End Homelessness) facilitated a conversation with local landlords and property managers on the benefits and difficulties they had experienced with the program.

Snehan Sharma, one of the organizers of the event, shared, “I think the Mayor’s Landlord Roundtable was a perfect example of how good grass roots community organizing can change discourse. Durham is facing a tricky problem with Housing Choice Vouchers, and it turns out that it is affecting lots of folks. Everyone who lives in Durham is a stakeholder.”

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CEF’s Janet Xiao, one of the Roundtable organizers, invited landlords to join the Unlocking Doors Initiative partnership, and to stay tuned for next steps.

View more photos from the event here.

What’s Next?

These conversations equipped us with the information needed in order to take action. The Roundtable kicked off the Unlocking Doors Initiative, a new collaborative partnership between the DHA, City of Durham, non-profits, and landlords. Over the upcoming months, the group will:

  • Listen to Voucher Holders: Just as we held a conversation with landlords, we would also like to hear feedback from tenants. If you have ever had a Housing Choice (Section 8) or HUD VASH voucher, or would like to make sure that we hear from a friend or neighbor of yours who does, email us at: info@unlockingdoorsdurham.org
  • Identify Barriers and Solutions: As a longer-term research project, we will be taking a hard look at the data and listen to individuals’ experiences to find out what barriers are preventing Durham’s voucher holders from sustained success in housing, and what programs and partnerships would work to support them in overcoming these barriers and staying in housing.
  • Build a supported network of landlords and property managers:  Landlords and property managers who opt into accepting vouchers will get support from Unlocking Doors Initiative, which includes access to a special Unlocking Doors phone line to expedite and assist with communications with the DHA, access to an efficient electronic system for inspections, information about supportive services for voucher-holder tenants, and help from non-profits to prepare units for successful inspections.
  • Continue to unite the Durham Housing Authority and our community: Anthony Scott has been hard at work implementing solutions, and is joining the leadership team of the Unlocking Doors Initiative. A group of us – including landlords, non-profits, DHA staff, and City officials – have begun meeting to strategize, problem-solve, and act. We will continue to partner closely with the Durham Housing Authority as it implements significant changes in order to improve tenant and landlord experiences, and make housing affordable for more residents of Durham!

 

If you or friends or family are a Durham voucher-holder or involved in the housing sector, we’d love to hear from you! Email us at info@unlockingdoorsdurham.org

 

Special Thanks to:

  • Mayor Bell for convening the event and bringing everyone together.
  • City Councilmember Steve Schewel for ongoing guidance to our team, and tireless work towards affordable housing.
  • Terry Allebaugh for excellent discussion facilitation!
  • Anthony Scott & Keishma James (Durham Housing Authority) for partnering with us in this effort.
  • Valaria Brown, Stephanie Williams, and the team of volunteers from Alliance BHC for their great support and sponsorship of food and logistics.
  • The Council to End Homelessness in Durham for assembling a crucial network of non-profit partners.

 

 

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OC HUB: Premium Offices Available!

CEF is offering community nonprofits, premium downtown offices!

Join The
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Starting at $350/month — 5 Offices Available!
Discounted rates when leasing multiple offices!

  • Includes:
    • Utilities, high-speed Wi-Fi and janitorial services
    • Furnished offices available at no extra cost
    • Shared conference room
  • Non-Profit Partners!
    • Opportunities for program collaboration
    • Shared resources and collective impact
  • Where: Ground floor of 208 N. Columbia Street, Chapel Hill
  • Contact: maggiew@communityef.org | 919-200-0233
  • More about the OC Hub atwww.communityef.org/oc-hub

 

 

 

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CEF’s 1-on-1 Financial Coaching

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The “Understand Your Credit History” FC Session — Most 1-on-1 sessions start with goal-setting/familiarization input boxes.

By Andrew Franklin:

I’ve heard it said that the exchange of knowledge is among the most intimate of human interactions. In my time at CEF, I’ve seen this exchange happen over and over again. Members share wisdom and experience with Advocates. Advocates share CEF’s resources and body of knowledge with Members as they walk together to achieve Members’ goals. This relationship-based model of learning and sharing is at the core of CEF’s mission and identity.

It was clear, when we recognized the need for a more intentional delivery of existing resources and knowledge through a Financial Coaching program, that we should start with a 1-on-1 approach.

We rolled out the first phase of our 1-on-1 program in January: sessions designed to be interactive and to optimize Member choice. Each session takes about an hour and involves learning financial capability skills and putting them into practice in order to write resumes and cover letters, pull credit reports and dispute errors, and build budgets and savings plans.There is a menu of 18 sessions in the first phase, which creates a great deal of flexibility and choice for Members. Additionally, we’ll be rolling out the second phase of Financial Coaching (FC) sessions this fall/winter, which will add a robust 25-30 sessions to the menu.

 

 

 

8 of the first phase of 18 Financial Coaching sessions!

8 of the first phase of 18 Financial Coaching sessions!

 

We look forward to continuing to build and improve this program, and are excited to watch it grow in CEF’s soil. We will continue to listen to Members and Advocates to brainstorm new additions and fixes to old sessions. As always, this is a community effort. We look forward to the relationships that will be built as knowledge is exchanged through the 1-on-1 Financial Coaching program!

Members are encouraged to complete 8 FC session at a time. They can add as many or as few as are relevant to their goals. However, Members who would like to qualify for a Safe Savings Account 10% match must complete 8, 1-on-1 sessions or Community Coaching (aka.  Opportunity Class), in addition to meeting their Savings Goal.

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Follow Maggie to our New Chapel Hill Office!

The Chapel Hill Office is moving in July…
BUT, we’re not going far!
The new Chapel Hill Office, located at 208 N. Columbia Street, is a mere 125 steps away from our current location on W. Rosemary Street.

We’re excited about this move for a couple of reasons:

1. Twice the Size!  It’s way bigger than our current space, almost double the size. This allows us to co-locate and share the space with partner organizations. We are currently looking for organizations interested in sharing this great location.

2. Five-Year Lease! This will also be, at last, a longer term home for the CEF family in Chapel Hill. We’ve signed a five-year lease and are very much looking forward to settling into this space.

How You Can Help:

1. Volunteer Your Time! 

If you’re able to help us pack or move boxes, we need help!
Click to Here to Sign-up

2. Donate!

With this big move, we need your support now more than ever, and we still need to raise at least $1,000 to reach our all-or-nothing challenge grant! Donate before May 31st and your gift is doubled by the Stewards Fund!
Click to Donate

[Learn more about our Stewards Fund and Double Your Donation!]

 

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Piggy Bank Bash a Smash Hit

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The doors of the historic Murphey School yawned on a ballroom full of tables decorated with pink tablecloths and adorned with ceramic piggies. The tables themselves were set off to the sides as the beautiful wooden floor awaited a workout. Guests trickled in and before shag instructor Don Bunn began calling out steps and counts on Friday night, the crowd had swelled. Two rows of face to face couples filled the room, and clumsily figured out the frustrating footwork. As soon as folks had nailed down the basic one-two-three, one-two-three, one-two, Don threw in a spin that had everyone disoriented and maybe a little dizzy.

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Even though some were perhaps more light on their feet than others, spirits were high all night. The shag dancing gave way to an assortment of modern moves as DJ Butta Brown exchanged beach music for pop and hip hop hits.

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The brief interlude for remarks from staff members and alumni halfway through the night had everyone drawn close and enjoying that tangible familiarity that is so common in CEF relationships. Alumni recounted with gratitude the part CEF had played in their story, and the fondness with which they regard their Advocates and the larger organization. Staff also used the Bash as a moment to celebrate the fact that Members have now saved more than $500,000 in their Safe Savings Accounts.

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All told, about eighty people attended the Piggy Bank Bash and helped us raise $4,000 to grow our programs and continue working alongside Members in Chapel Hill and Durham. A huge and hearty thanks to all of those who came or supported the event if they weren’t able to come!

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Special thanks to Jay Miller for hosting us at the Murphey School; CEF board members, Advocates, Members, and Holly West for their help in organizing and planning the event; Bandido’s, Cholanad, Vimala’s, Med Deli, and Hillsborough Wine Company for catering delicious food and refreshments; Balloons and Tunes for the decorations; and, last but certainly not least, DJ Butta Brown for the spectacular music that kept us all moving!

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Little Pig Barnstorms UNC’s Campus

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The courtyard in front of the UNC Campus Y was abuzz around lunchtime as students, staff, and visitors were delighted to discover an oinking four-legged visitor with a curlicue tail. “Darling,” as the unnamed piglet is affectionately called by her owner, elicited many yelps of excitement from passersby surprised by the decidedly out of place farm animal.

Chapel Hillians of all varieties stopped and knelt to pet “Darling,” and feed her grass and dried corn from her farm 30 miles down the road in Moncure, North Carolina while CEF Advocates passed them fliers and publicized this Friday’s Shag Dance fundraiser, the Piggy Bank Bash.

“Darling” is the perfect mascot for the Piggy Bank Bash. She became more social and friendly throughout the day as she realized that her adoring fans were there to provide sustenance and attention. At CEF, we know that financial independence is incumbent upon a well-“fed” piggy bank that gets lots of attention. Similarly, as an organization, we rely upon the offerings of friends and partners to continue operating.

We hope that you’ll slap on your overalls and slip into your dancing shoes on Friday for the sake of the piggy bank. A night full of dancing, food, friends, and fun is a Darling way to help nourish CEF and help us spread the word about the virtue of piggy banks to the Durham/Chapel Hill communities.

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Saver Feature: Chapel Hill Member, Darryl

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In January, CEF Members crossed the $500,000 mark, meaning that Savers have put away more than $500,000 in their Safe Savings Accounts since the program started in 2010. They’ve used those savings for rent, security deposits, utilities, transportation, food, and much much more.

We thought this would be a nice opportunity to check in with a CEF Saver about his goals and CEF experience. Chapel Hill Member Darryl enthusiastically agreed to talk! He’s from Jamaica, Queens, New York and has been a CEF Member since the fall of 2014.

Why do you save with CEF?

I save because if something comes up with my car, like tags or taxes… or if I’m going to take a trip, I know this money is over here.

It’s somewhat like an emergency fund. It’s some money that I have automatically taken out because I save better when it comes directly out of my check.

With my savings here, you get 10% [matched] up to $2,000. Even Matt (Darryl’s Advocate and Chapel Hill Advocate Program Coordinator) has got me putting money in my savings account also. So I’ve got some in my savings account, some in my Safe Savings Account here at CEF, and some in my safety deposit box. I’ve gotten in the habit of putting up money.

I’m getting ready to take a trip and that’s what I’m going to use the money from CEF for. I’m going to go home. I’m going to New York in April.

Would you recommend the Safe Savings Account to other people?

Yea! It’s helpful to have someone help you decide if it’s a good idea or not [to withdraw money]. If you get with an Advocate, especially once they get to know you, they know if you really need the money and if it’s really a good decision you’re making or if it’s not! They’re still going to give you your money, but they’re going to help you with it — they’ll help you make good choices about spending that money.

Do you have a favorite CEF memory?

Well Mike, the guy who teaches Opportunity Class, he’s a character. I mean Saturdays I love to go because I’m just around the guys. They bring new guys in. It’s Mike, he’s like a comedian. When he teaches the class, he makes it interesting! That’s every Saturday. I don’t have a favorite moment because every time I come here something’s going on.

What does financial independence mean to you?

I came here because I needed a couch and I was on a fixed income. And when I came here I had started working. The thing is with CEF, I learned from the class that I didn’t know anything about establishing my credit as far as getting a secured credit card when my credit wasn’t any good. When I came here my credit was poor, now it’s fair.

So it is a good thing that I did come here because they’re teaching me ways to handle things to better myself to be more financially independent. I bought a car since I’ve been here. Matt helped me get my car refinanced.

This place right here has helped me out tremendously and I’m grateful for CEF! I’m grateful for not just Matt. It’s the relationships that are established here, also. Matt knows me! He got me to where I don’t carry cash around like I used to; I don’t whip my card out every few minutes.

How did he help you do that? What do you attribute those new habits to?

It helps me save money! The first day I met with Matt, I said that I spend money all the time, you know going to Walmart and stuff. And he said, “don’t carry cash around and don’t just whip your card out. If you don’t need it, don’t get it.” He helps me out and he gives me good encouragement.

What do you want the CEF community to know about you?

I’m a recovering addict. So when I come here I’m around guys [who are experiencing addiction], and we help each other because it’s not about me trying to make them do something they don’t want to do. But, it’s encouraging when you’ve got somebody who came from where you came from. I speak about that in Opportunity Class. If it’s got anything to do with the discussion I can talk about how I used to be on drugs and alcohol real bad. And today I do better things with my money and I help other people in the process. That’s what we do, we help each other.

 

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CEF: Community Empowerment Fund

Chapel Hill: 919-200-0233 Durham: 919-797-9233

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