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Six Weeks at CEF

 

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                                                                                           – By CEF Advocates Yasmine Miao & Emma Caudle  

By: Emma Caudle

The past six weeks at CEF have been an incredible learning experience and have given me a new outlook on the world that many members face.  Before this summer I had never stepped foot in a CEF office and only had the slightest idea of what it even was, however it did not take long for me to realize that CEF was much more than the typical nonprofit seeking to alleviate poverty and homelessness.  Perhaps the aspect of CEF that stuck out most to me was how committed advocates and staff were to be more than just teachers or mentors to the members, but rather friends and companions along the journey towards financial freedom.

Member meetings have been one of the highlights of my time at CEF this summer.  I have enjoyed building relationships with other members of the Durham community and have appreciated the experiences they have shared with me.  I have been able to work with members as they applied for jobs, created budgets, started saving, and so much more.  Although 6 weeks is too short of a time to see big changes I was able to see little ones week to week with many members. Moments as simple as a members enthusiasm for depositing money into their safe savings account or a member working diligently to figure out a new budgeting technique assured me that CEF was in fact helping members reach financial stability.

Aside from the more concrete ways I saw CEF make a difference in the lives of many members, it is evident to me how much CEF means on a more emotional level.  CEF is one of the first places many members go in times of crisis and advocates often become trusted confidants.  This was one of the most incredible parts of CEF to me because it showed me how successful an organization can be when it cares for an entire person rather than just aspects of their life.

I am very thankful that I had the opportunity to spend a part of my summer with CEF this year.  I learned more from the other advocates and staff as well as members than I ever could have expected and gained a newfound appreciation for the kind of work that CEF does.  CEF makes a great investment in members who do not always benefit from investments made by the community or government.  Therefore, the work CEF does is critical for the lives of so many in the Durham and Chapel Hill communities.  Thank you CEF for all you do!


by: Yasmine Miao

Before I came to CEF, I was more anxious than excited.I had no idea what my daily routine would be like for the next six weeks. I had no idea what was expected of me. I simply felt like I was wandering into the known.

I had the vague impression that at CEF, I’d be helping people who are experiencing homelessness or poverty, but again, I had no idea as to how.

First day at CEF was the orientation. CEF rented a nice conference room at the American Tobacco Campus, and offered us a full-day “crash course” of CEF, which introduced CEF and its core programs, gave us detailed training on how to be a CEF advocate, and began planning some weekly projects.

I was a bit overwhelmed by all the information thrown to me, some of which I knew little of, such as the differences between banks and credit unions. As to the core programs, one of them would become the main part of our daily work- the “Member Advocates” program.

At the orientation, we were given some examples of what advocates do. In the past, advocates have helped members write a resume or a cover letter, apply for jobs, find housing, figure out future career path, deal with welfare programs, etc.

But after hearing all these examples, I was even more worried. I myself didn’t even know how to do some of those things. For example, if a member wants to attain a certain certificate, how should I distinguish among the dozens of ads of related training programs that would pop up at once on the Internet? How could I find the one that’s best for the member? I’ve never searched for housing in Durham, and so how could I find the best match for a member seeking help with housing? Thinking about all these, I was simply afraid that I wouldn’t have the extent of expertise that members tend to see in me as they walk into the office.

Now it’s been 6 weeks. I can’t tell you how much I’ve enjoyed working at CEF. Most of my worries proved to be unnecessary and it’s been a great experience of learning while helping members. It’s always been very rewarding to know that things that might’ve taken others much time and effort could now be done easily with my help. At non-profits like CEF, the accomplishments are always very real and tangible, in the sense that they could be seen directly.

CEF has also given me the chance to see issues I would’ve never thought about otherwise. I’ve been able to see the struggles people face, as well as how much they’re doing to improve their lives. It’s also been a great way to know Durham (outside Duke) in the most direct way.

Working at CEF, I’ve been given a lot of trust even on the first day of work. CEF is a great place where everyone feels useful and can actually contribute. I’ve been very lucky to co-work with a group of tightly knit and absolutely amazing people. CEF provides the friendliest environment to advocates as well as members, and I’ve received just as much help as I’ve been giving.

It’s crazy that my program here has come to an end and that I’m leaving this week. I’ll definitely miss everyone here!

 

 

 

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Member Post: Mr. Mike, a Poem by Julius Alston

Julius Alston has been working with CEF’s Chapel Hill office since February of this year, and is just weeks away from graduating Opportunity Class. Mike Wood teaches the Saturday class and connected Julius to literacy tutoring that he offers through Orange County Literacy Council (OCLC), helping Julius turn obstacle into opportunity.  Please enjoy Julius’ poem, a tribute to Mike Wood and the work they are both doing through CEF and OCLC.

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Mr. Mike

By: ­Julius Alston

Mr. Mike is a person
That some of you may know
But he’s not the same person
He was a long time ago

He’s looking towards the future now
And not his past
He now holds a pen
Instead of a glass

This I know and I’m the one to tell
Because he is the one that’s teaching me
To read, to write and to spell

He doesn’t brag about it
And he doesn’t boast
But the old Mike is history now
Little more than a ghost

When Mike get tired now
He can go to his home
Not like when he was at the shelter
Now he’s got a place of his own
So listen to Mr Mike now

And you can do it too
He’ll have you doing things
You never dreamed you could do

I got to go now
Back to Mr Mike’s class
Because I want to do more with my future
Than I did with my past

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CEF Member: Jasper

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Jasper has a great deal to be proud of. “Today I have my own apartment, I have transportation, I have a job, I’m on the board for IFC… And I have a great job. I’m a cook for UNC.”

Jasper came to Chapel Hill in January 2014. Born and raised in Kinston, Jasper left his hometown to shake addiction. “I was about 14 when I started down that road of drugs and alcohol.” Now at the age of 55, he is feeling “grateful and blessed,” and clean and sober for over a year. He shares, “I just think that if I had kept going, I wouldn’t be on this earth right now.”

He joined CEF just a week after moving to town, and says, “I met my best friend, one of my best friends, his name is Sam.” Sam was paired with Jasper as his Advocate, and “Just hung in there with me from day one, we’re like glue… I always think about him, and say ‘How’s your mom?,’ and he says the same thing to me. He’s just like family to me now.”

“When we first started it was mainly job-hunting. We would put in applications for 4, 5, 6 jobs every time we met. My motivation was always to work in the kitchen. I just set my mind on getting a job at UNC. And fortunately it happened.”

Working with CEF, “Another one of the things I learned is how to save my money. When I put down the drugs and alcohol, I realized I needed to always have a nest egg. And CEF taught me that.” Just a couple of months after moving out of the shelter, Jasper was hit by a car on his scooter. The accident broke his foot and he was unable to work for over a month. Fortunately, Jasper had that “nest egg” he built through CEF and didn’t miss a single bill payment during his recuperation.

Above all, Jasper is most proud of his newly trusting relationship with his 91-year old mother. Jasper goes home often to visit his family, sharing “It’s fortunate that today they see a new me, a better me, an improved me. I am grateful that at that age, [my mom] gets to see me this way.”

What’s next for Jasper? “One day I want to own something, my own place, you know. It’s alright to rent, but this ain’t the final stop here. I want a yard, I want a dog.”

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Member Post: Hindsight

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– By CEF Member Agyei Ekundayo (AJ)

I never knew what invisible illnesses were until 25 years after I needed to. No one in my family spoke openly about sickness or disease other than colds and flus. I always knew something was wrong with me, but couldn’t exactly put a finger on it. Kids at school said I was crazy and family members teased about what I later understood to be manic episodes. What’s really interesting is how my mother raised me while in denial about her own illness. Culturally speaking, African Americans turn a blind eye to mental health issues, surmising symptoms to be nothing more than attention seeking behavior. By the time I was 30, doctors diagnosed me with major depressive disorder, bipolar disorder and anxiety disorder, in addition to ADHD. Unsurprisingly, my family still has yet to accept the truth about the illnesses they passed on to me or how multiple diagnosis, not character flaws, strain family relationships.

Two more diagnosis have been added to my medical profile since 2011 in addition to three more prescriptions. Day to day life is like an oil slicked hamster wheel. Some days I feel like I’m running to keep up with myself. Other days I feel like I’m moving in slow motion-drifting between side effects and a constant fog. My therapist tells me not to be so hard on myself. That persistent mental illness is just that, persistent. That sometimes when I think I’m no longer having episodes, I’m really just experiencing a long span of stable moods. I wish I could predict when my moods will tank or understood my triggers better. I also wish my ex- boyfriend was a non-factor and something stronger that liquor will make him go away. So, am I crazy? It depends how crazy is defined and whose opinion you ask. Let’s just say I was in the dark for a lot of years until a judge signed off on a check that the rest of my life is mandated to cash. That’s another story.

I will say that my overall health, although unpredictable, is as well as to be expected. I pop pills when I wake up and before I go to bed. Dr. Mac gives me a good reality check (and on again off again motherly advice) every Thursday. Gym visits are my new frenemy when I’m not binging and writing this stuff down until my wrists fall off manages to keep me sane. If I can offer any advice to those suffering with mental health issues or struggling to understand those for whom we care, it’s this. Know that mental illnesses are valid medical problems that require medical attention. They do not simply ”go away on its own in time”.

There are no quick fixes and tough love does more harm than good. Offer a listening ear from a non-judgmental stance and never feel afraid to ask for help-even if you can’t fully explain what you’re feeling.

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Dear all the wonderful CEF advocates… A Christmas card from a CEF Member!

This is the text of a truly lovely Christmas card we received at the CEF office this week.
Our hearts burst with appreciation and a sense of mutual gratitude for this member’s kind words…

Christmas 2014

Dear all the wonderful CEF advocates,

This holiday season is a special one for me because I got to meet you! Some of you know more about me than my own family… difficult for me to admit it. It wasn’t easy for me to open up, especially to people I barely knew, but you managed to cheer me on and help me without any judgment. I had to look deeply within myself and ask, “What do I need help on so I can repair and build myself and move forward to living an independent life?”

Trust is earned. And you definitely earned not only my trust, but my respect and my friendship.

I’d like to express my deepest gratitude for all your hard work, above all for not giving up on me. I pray the good Lord will also extend his kindness and love, and shower you with many blessings… not only this Christmas season, but for many years to come.

With love and deep gratitude,

-CEF Member

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My CEF Advocate Journey: From Support Systems to Debt Crises to Gender Equality

Christine Costello is a senior at Duke University planning to attend graduate school for social work next year. She has been a CEF Advocate for almost two years, and we are thrilled to share her reflections on her experience here!

By: Christine Costello, Duke University Class of 2015

I began what has extended into a long relationship with the Community Empowerment Fund the summer after my sophomore year. As a summer intern, I was able to immerse myself in the day-to-day of this organization; an opportunity that taught me not only an incredible amount about the non-profit world but also about the members I worked with and about myself.

From one-on-one meetings with members, my eyes were opened to the harsh realities and institutionalized marginalization that members faced. For example, several members that I worked with had been encouraged to attend for-profit colleges in their adolescence, believing that this would be the route to a better salary and life. Since our society constantly touts that hard work and education are the way to self-improvement, it isn’t hard to see how enticing the possibility of school was and is for these members. However, these for-profit college businesses often trapped members in debt they were still accruing dozens of years later. Looking at the hefty debt that one member had hanging over his head from this attempt at education, it was hard to not feel helpless and duped. This meeting made me realize how integral a well-informed support system can be for individuals, support that (due to my situation in society) I have received my whole life. Meeting with this member also revealed how devastating the consequences can be when an individual is excluded from these forms of support. Working with this member towards a solution to this debt crisis, and simply spending time with him, showed me that I wanted to dedicate my life to contributing to such support systems.

On a different occasion, Janet – knowing my enthusiasm for gender equality – paired me with a new CEF member who had recently fled an abusive relationship. Now severed from her bank account, home, and social connections, which had all been controlled by her partner, she was seeking a sense of security and independence that had so vehemently been denied her in the past. Her situation was dire, as the time period following fleeing an abuser can be particularly perilous from physical, emotional, and financial standpoints. Feeling the weight of this member’s upward battle served as my impetus to meet with the Durham Crisis Response Center, Durham’s comprehensive shelter and support provider for survivors of sexual assault and domestic violence. This meeting, due to enthusiasm on both parts, has given way to a partnership that will provide financial literacy coaching to those seeking asylum at the Center.

It is through meetings with members such as the two I have mentioned that I have come to decide to pursue an education in social work. CEF’s mindful approach to collaborating with members and meeting them where they are at has shown me how effective compassionate care can be. CEF also continuously reminds its staff, advocates, and members of the purpose of the organization, words that lie in its very name. To be a community for all involved that offers empowerment through practical services. The community and experiences that CEF has supplied me with have certainly empowered me towards my dream of becoming a social worker.

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"CEF Gives Me a Perspective on Real Policy Affecting Real People"

Hear from Stephanie Colorado, a junior at Duke University majoring in Public Policy and Psychology who began volunteering as a CEF Advocate in September of 2013. Stephanie has been an amazing student leader in CEF, and we are delighted to share her reflections on her experience here…

By: Stephanie Colorado, Duke University Class of 2016

When I began volunteering with CEF, I was immediately captivated by the organization’s focus on forming meaningful relationships to empower individuals to take control of their own financial and life goals. Being a CEF advocate developed me personally and professionally, and has been a priceless experience.

As an advocate for CEF, I form memorable friendships with my members as we partner together in forming goals and finding ways to reach financial independence. One of my best memories was working with my member, Linda. Every Monday night, I would head over with other advocates to the women’s transitional home in Durham and worked with Linda in finding employment and creating a budgeting plan. Her sense of humor and motherly personality was something I looked forward to every week. As I taught her how to write a resume, she taught me how to cook! Forming friendships with individuals outside of my college campus has been a refreshing experience, as it allows me to look beyond momentary troubles, such as exams and essay due dates, and put value on more important life issues, such as health and economic security.

In addition to giving me the opportunity to form relationships and contribute creatively, CEF gives me a perspective on real policy affecting real people. As a Public Policy major, I get a watered-down academic understanding of social policy, but while working with CEF, I witness policies and their consequences in action. I see how food stamp cuts, health care opportunities, and the availability of Housing Choice Vouchers influence my members’ ability to transition out of poverty. Working with CEF fortified my interest in social justice and it forces me to think critically of the effects of public policy in a community. Thanks to my experiences being an advocate, I hope to find a career in the non-profit sector working with people experiencing a disadvantage. I love working with people and would like to be of service through public interest law.

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Meet Robert, Sophie, & Jenna

Robert is a grandfather, a Marine Veteran, and a natural-born leader. Sophie and Jenna are UNC undergraduate students, and his CEF advocates. Combined, this trio is a force to be reckoned with.Earlier this year, Robert chose to leave a full-time, salaried job in Kinston, NC to move into the homeless shelter in Chapel Hill. He left behind his home, his community, and his livelihood.

Why? “I was just working for the drug man and the rent man. And by me being a functional addict, I wasn’t going to lose my job. I had to make a decision, I had to make a choice to give up everything, start from scratch, get out of the environment I was in and try something new.”

“In CEF you get a chance to get yourself back. I had lost myself – I had lost me. Thanks to CEF, they brought it all together,” says Robert. “Sophie and Jenna have been with me from the start, and they’re almost like my little daughters. By them keeping me motivated, and by me keeping the fire going myself, and them seeing me making progress, like getting a job and seeing my savings go up, sometimes I look at them and it’s like seeing a kid looking at the Christmas tree. You can see the light in their eye getting brighter and brighter.”

Jenna and Sophie see their relationship with Robert as a life-long friendship. Reflecting, they shared, “We have a relationship beyond that of a member and advocate team, we are truly a family. The support that we offer Robert is far surpassed by the moral and emotional support Robert continually showers us with whether he is reminding us to take some time for ourselves or reading us excerpts from one of his favorite books, Don’t Sweat the Small Stuff. I never leave an advocate-member meeting without feeling inspired and loved, no matter how stressed I am.”

Over the past year we have watched Robert graduate from Opportunity Class, find a job, reach 80% of his savings goal, strengthen his relationship with his family, peers and most importantly, himself. Robert’s accomplishments have been more than earned and fill my heart with so much joy and hope.”

Likewise, Robert’s heart is filled thinking back on how far this trio has come on their journey. “I look back to where I was a year ago, and now I’m so far on my goals. You can’t imagine how good I feel, the pride I got back to myself. There’s no way you could imagine…”

 

 

 

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Annie's Advocate Story: What inspired you to become a CEF advocate?

 

Quinn for blog

By Annie Lott

I discovered CEF in my freshman year through my friend, RA, and mentor, Quinn Holmquist. Quinn is one of the most enthusiastic and friendly people I know, and I liked him instantly from the first time I met him, when he introduced himself as “majoring in Romance Studies, the science of human love and affection.” Although Quinn wasn’t actually an RA for my floor, I would often go to his room, lounge on his couch, and talk to him about grades, classes, and life aspirations. Quinn is a fantastic listener. Soon enough, I learned that Quinn wasn’t actually majoring in the study of romantic relationships, but instead in the study of romance languages. When asked why, Quinn responded that he wanted to develop his communication skills so he could more effectively support others and strengthen his community. Quinn has the noble life goal of raising standards of living for individuals in adverse circumstances, by helping people help themselves. I realized he was already accomplishing this goal with his work for CEF.

Although Quinn suggested that I join CEF, I didn’t commit immediately, thinking that I didn’t have time. Yet throughout my first semester at Duke, Quinn and I would talk about community service, reminding me how much fun it was to volunteer in high school. When my second semester rolled around, Quinn encouraged me once more to join CEF, and I was again impressed by his passion for working with others. Dispelling any ideas that involvement in the Community Empowerment Fund was limited to raising money for local charities, Quinn explained that the objective of CEF was to empower individuals to solve their financial problems by building relationships and providing one-on-one aid. This simple yet novel approach to addressing community issues interested me, as I’d never experienced it before. With Quinn’s persuasion I decided that CEF, its members, its methods, and its goals were worth volunteering for.

It seems that many other advocates have similar stories to me, all tracing their involvement in CEF back to Quinn Holmquist. At the first meeting of the new advocate house course, we went around the room introducing ourselves, saying our names, which house we worked in, and how we joined CEF. Unsuprisingly, the most common answer to the last question was, “Yep, it was Quinn”. Quinn managed to convince quite a few people in my freshman dorm to join CEF, as well as several of my dormmates’ friends. Although Quinn is studying abroad this semester, he left a legacy of enthusiasm, participation, and support behind him with CEF, helping make the organization what it is today.

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Renter’s Savings IDA Pilot: Phase II

This July, five new savers joined CEF’s Renter’s Savings IDA program to begin Phase II of our Renter’s Savings IDA Pilot. The Savings Team here at CEF would like to welcome the newest members of the program and thank these five new savers for making a new commitment to saving and dreaming together with CEF.

The Renter’s Savings IDA program was originally piloted in 2012, specifically with renters in mind. Through CEF’s Safe Savings Accounts, the CEF Savings Team noticed that members who moved into housing often find it very challenging to continue saving when faced with so many new expenses. With utility bills and rent taking up such a large portion of income, it can be difficult for renters to put anything aside. Even after saving, unexpected emergencies would make it hard to hold on to that money. The Renter’s Savings IDA is meant to serve as an “Emergency Fund”—money set aside for financial security and peace of mind.

The new program was piloted with ten members currently in housing and ready to save for the long-term. While similar in set-up to our current Safe Savings Accounts, this program lasts at least 2.5 years and can be matched at 50% (up to $1,000 in matching funds). Additionally, savers may draw on the 50% match when the emergency occurs. This way, one emergency won’t wipe out all their hard-earned savings.

Over the past two years, advocates and savers participating in the program have learned a lot from the program that they have shared with the Savings Team so that we could adapt and improve the program for the next group of savers.

Here are some of our lessons learned from Phase I of the Renter’s Savings IDA Pilot and tweaks we’re making in Phase II of the pilot:

  • Auto-Save: In the first pilot phase, we’ve seen that participants using the “Auto-Save” feature were able to save much more than their counterparts who made deposits via online transfers or by cash. Auto-Save automatically deducts savings deposits from a personal bank account on payday–making saving cheaper, easier, and quicker! Our newest Phase II participants are all signed up for Auto-Save with CEF and have already started working towards their long-term goals.
  • One-on-One Financial Coaching: In the first pilot phase, we attempted to meet together as one large group to do an “Opportunity Class 2.0.” We soon found that with varying schedules and interests, meeting at least once a month in one-on-one meetings would be a much more effective way for Renter’s Savings IDA participants and their advocates to learn about relevant topics. Advocates and members participating in this program are learning and working on a variety of topics relevant to their long-term goals, including:
    • Building Credit
    • Preparing for Homeownership
    • Preparing for Car Ownership
    • Budgeting
    • Entertainment & Avoiding Scams
    • Retirement 101
    • Going Back to School & Making Sense of Financial Aid
    • …and more!
  • The Value of Multiple Accounts: In Phase I, several of our savers opened up their Renter’s Savings IDAs but maintained their Safe Savings Accounts as well. Having two accounts at CEF, in addition to a personal bank account, helped the savers to budget and use each account for different purposes.  Donna, for example, told us the following about how she uses her two accounts at CEF:

    “I have things coming up like my renter’s insurance; it’s $130 right off the bat, and I don’t have that just out of a check. So Safe Savings is for that — I save for stuff that I need and take it out when it’s time. The Renter’s Savings account, I don’t take that out for anything. That is going to be for when my car breaks down or I need another vehicle. And I am just not allowed to touch that. It really makes me feel better, knowing that’s there.”

In Phase II of the pilot, we’ll be encouraging members that already have a Safe Savings account to consider using both of their accounts, instead of just the Renter’s Savings IDA.

  • Long-term Goals: When we began the first phase of the pilot, the Savings Team had been primarily thinking of the accounts as emergency funds that may complement other goals like homeownership, but pretty strictly emergency-focused. With the first pilot phase, we’ve seen that the first ten participants didn’t necessarily think of their accounts this way. Santiago bought a dairy cow for his family when he met his goal. Here’s what some of the other Phase I participants said about “Why We’re Saving”:
    • Purchase a home, build up savings, save in 401K, start building college savings for my four children, and getting healthy!”
    • “My own transportation and starting a business”
    • “Finishing school and paying off student loans”
    • “Build my income. My goal is to help others become stronger in their faith, to not give, and stay motivated.”
    • “I’m just taking it one day at a time. I am trained not to try to think that far ahead.”
    • “Getting my GED and saving for a car”
    • “Be in school and nearer to graduation”

Saving towards emergencies is still the purpose of the account, but the way that we frame the accounts is important. At CEF, advocates and members aren’t just working towards financial security, but overall well-being for our community. That means following dreams and building community, not just budgeting and saving our last pennies. We have to know what we’re working towards together, and focusing on our long-term goals helps us to do that!

The next round of applications for the Renter’s Savings IDA Pilot will be available in November. Any questions about the accounts can be directed to Ariana Vaisey at savings@communityempowermentfund.org or by calling CEF in Chapel Hill at 919-200-0233. All CEF members in Durham and Orange Counties who have completed the opportunity class, are a signer on a lease, and are interested in a higher-commitment savings account with CEF are encouraged to apply, although only a few slots are available during this pilot phase.

From the CEF Savings Team and Renter’s Savings IDA participants, we’d like to extend a warm welcome to the newest 5 participants of the program! We look forward to learning and growing with you over the next two and half years.


The Renter’s Savings IDA program is completely supported by individuals like you. Sponsor a Saver and help us get there together! You can contribute to long-term change – Join with our pilot Savers as they continue to invest in their own and their family’s futures.

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CEF: Community Empowerment Fund

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

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