Tuesday, April 29, 2008

Get Your Car Repaired for FREE


June Rapp of Massachusetts took her family van into a dealer to have it fixed and they wanted to charge her over $1000 to make the repairs. She called the U.S. Department of Transportation and found out that her problem was part of a manufacturer recall. Recalls have to be fixed for free and the repair shop didn't know that. To find out about recalls for any car, contact:

  • Auto Safety Hotline, National Highway Traffic Safety Administration, 400 Seventh St., SW, Washington, DC 20590; 888-327-4236; http://www-odi.nhtsa.dot.gov/ivoq/
  • The Consumer Reports people have a searchable database for car recall information. Contact Consumers Union, 101 Truman Ave., Yonkers, NY 10703; www.consumerreports.com

FREE or Low-Cost Rides To Work, School, or Day Care


North Carolina has programs where counties are given vans to transport people back and forth to work, with lower costs than driving your own vehicle. York County, Maine will let you ride the WAVE, a job access and education transportation service. Transportation provides: home pick-ups, day care drops-offs, major employee and education drop-offs in the Sanford area. Costs are low and discounted for children and seniors 62 years and older. Dial-A-Ride in the City of Modesto provides specialized transportation seven days a week for persons 65 years old and those with disabilities. Although this is primarily for the disabled and seniors, the general public may also ride during specific times. To start looking for programs like this in your area, contact your local congressman's office or your local social service agency. You should also find out about local vanpool and rideshare programs. Your local chamber of commerce or library may have this kind of information for you.

Get One Month of Free Bus Passes
Detroit's Suburban Mobility Authority for Regional Transportation (SMART) has a program called "Get a Job/Get a Ride" that gives a month's worth of free rides to anyone in the Detroit area who gets a job. The only requirement is that you have started a new job within the last 30 days, work at least 32 hours a week and never have received the pass in the past. New Jersey will give a free one-month pass to those on low income that get a job or are going to training. Check with your local Chamber of Commerce or Transit Authority.

Free Gas Savings Tips


The government will help you become as fuel efficient as possible. Their fuel savings website can do everything from helping you determine which fuel efficient car to buy, where to find the cheapest gas in your neighborhood, tips on saving gas, and a printable fuel guide to keep track of your car's consumption. You can view information on the website or order copies of the fuel guide by contacting: Energy Efficiency and Renewable Energy Information Center, 656 Quince Orchard Road, Suite 500, Gaithersburg, MD 20878; 877-337-3463; www.fueleconomy.gov/

1. "Gas Savings Products - Fact or Fuelishness"
2. "Good, Better, Best: How to Improve Gas Mileage"
3. "The Low-Down on High Octane Gasoline"
4. "Consider the Alternatives: Alternative Fueled Vehicles and Alternative Vehicle Fuels"
5. "Tips for Buying a Used Car"

These five publications are available from the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania, NW, H-130, Washington, DC 20580; 877-FTC-HELP; http://www.ftc.gov/bcp/menus/consumer/autos/maintain.shtm

Is Your Car Green?


A guide developed by the U.S. Environmental Protection Agency provides information to consumers about the environmental performance of vehicles. The larger the number either in score or in fuel economy is better for our environment. You can look up a specific vehicle, a type of vehicle, or find a cleaner vehicle. Contact: Green Vehicle Guide, Certification and Compliance Division, National Vehicle and Fuel Emissions Laboratory, 2000 Traverwood Drive, Ann Arbor, MI 48105; 734-214-4200; www.epa.gov/greenvehicles/

Fly Free As A Volunteer Air Courier


Air courier services operate the same way, but you are required to have a valid passport. Most air freight services don't do enough business to send a plane overseas each day. As a courier, you carry a package checked as baggage to an overseas destination. There have been no incidences of contraband problems, and customs is familiar with this service.

You deliver the package to a company representative in the customs section of the airport, then you are on your own. In exchange, you get to fly to exotic ports for FREE or cheap. Children are not allowed to accompany couriers. Contact companies listed in the air courier section of your phone book, do a web search using the terms "air courier service," or contact the Air Courier Association at 800-383-6814; or online at http://www.aircourier.org/

Free Cars To Go On Vacation


Not quite as easy as it sounds, but there are programs out there to help people move their cars. Most of the cars need to be driven across the country and in exchange, many car moving companies offer free gas and airline travel home. This is not to say that you can take your family on a minivan vacation across the country. Certain rules and restrictions apply. But I have known many a college kid that has gotten to drive across the U.S. for free. Obviously, you do not get to pick your make and model, and you need to be flexible as to the departure time and destination, but this is one way to see America. Contact local moving companies to see what they have to offer. There is even a website for those interested in having their cars moved at www.movecars.com and they may be able to provide you with information.

Cheap Air Fare To See A Sick Relative


Not free, but at least you don't have to pay full price. When a family member is very ill or has died, families have to make last minute airline reservations. Obviously you lose out on the 21-day advance purchase rates, but almost all airlines offer bereavement or compassion fares for domestic travel. Generally the fares are available to close family members, and the discount on the full-fare rate varies from airline to airline. Many require that you provide the name of the deceased and the name, address and phone number of the funeral home handling arrangements. In the case of a medical emergency, the name and address of the affected family member and the name, address and phone number of the attending physician or hospital are required. Contact the airline of your choice to learn more about the "Bereavement/Compassion Fares." Full fare rate varies from airline to airline, but you could save up to 50%.

DISCOUNTS on Buses, Trains and Subways


If you are a senior citizen, you can usually ride most forms of transportation for about half-price. Amtrak and Greyhound offer discounts of 5-15% for the senior set. Children even get to take advantage of discount programs, with the youngest group often getting a free ride. Don't forget to ask about a variety of reduced fare programs, including student and military discounts. Often job training programs will compensate you for your travel, so before you begin training, inquire about support services such as transportation and child care.

Free Rides To The Doctor For Grandma


Many seniors have to give up driving their cars, perhaps because of the cost or illness. But then how do they get to the doctor or the bank or the store? Many rely upon their friends and children to solve their transportation needs, but there are times when you need to come up with another alternative. The Eldercare Locator provides access to an extensive network of organizations serving older people at state and local community levels. This service can connect you to information sources for a variety of services including transportation. For more information, contact Eldercare Locator, National Association of Area Agencies on Aging, Washington, DC 20201; 800-677-1116 between 9 a.m. and 8 p.m. EST; http://www.eldercare.gov/Eldercare/Public/Home.asp

Get $115/Month From Your Employer For Commuting To Work

Your employer can give you $115 a month to help pay for bus, train, ferry, or vanpool commuting expenses and neither you nor the employer has to pay taxes on this money. Contact your local transit authority for more details on the program called "Tax Free Qualified Transportation Fringe Benefits", or contact: Commuter Check Services Corporation, 401 S. Van Brunt Street, Englewood, NJ 07631; 201-833-9700; 800-727-9436; Fax: 201-833-8704; http://www.accorservicesusa.com/services/CommuterCheck.aspx. Get a copy of IRS Publication 15-B, Employer's Tax Guide To Fringe Benefits and show your boss the section entitled "Qualified Transportation Fringe Benefits." The publication is available from your local IRS office or from 800-TAX-FORM or from their website at
www.irs.ustreas.gov

Monday, April 21, 2008

Free Air Transportation for People with Cancer



The Corporate Angel Network provides free air transportation for cancer patients, bone marrow donors and bone marrow recipients who need transportation to treatment. This service is available because the Network uses the empty seats on corporate aircraft flying on routine business. The patient must: travel to and from an approved cancer treatment center, be able to walk up or down the steps to a private plane without assistance and not require oxygen, IV or form of life support during flight. Flights are not always guaranteed. Contact: Corporate Angel Network, Inc., Westchester County Airport, One Loop Road, White Plains, NY 10604-1215; 1-866-328-1313 or 1-914-328-1313; Fax: 1-914-328-3938; http://www.corpangelnetwork.org/index.htm; Email: info@corpangelnetwork.org
Income Eligibility: None

Saturday, April 19, 2008

Free Independent Debt Counseling

Each year the government spends about $65 million to provide free counseling services in every community to help people purchase a home, keep their home or manage their debt.
“If you are rich or poor and have an adjustable rate mortgage, the best thing you can do is get free expert advice from a trained counselor who is paid just to help you and not to sell you anything. The sooner you do this the more options you will have."
“A couple of million households are at risk of losing their house, and they can avoid the problem if they start as soon as possible to take advantage of free counseling services.”
50% of the folks who are now in a sub-prime loan can probably get out of the loan and get a good loan that is a lot cheaper.
This is a good time to get out of your Adjustable Rate Mortgage.

People who put ads on TV about refinancing are going to make a lot of money in refinancing your mortgage-probably $8,000, $10,000 or $15,000. Avoid people who are putting ads on TV and radio. A prime or responsible lender will only have total fees of about $3,000.
GET FREE INDEPENDENT COUNSELING BEFORE YOU REFINANCE no matter how many quotes you get.
1) To Find a U.S. Department Of Housing and Urban Development (HUD) Counseling Office Near You…

Go to http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call 1-800-569-4287 (TTY 1-800-877-8399). Most counseling services are free, some may ask for a modest fee to help to pay for obtaining your credit information from the credit bureaus to send to lenders.
2) To Find Free Telephone and On-Line Help From Government Supported Counselors
The Ownership Preservation Foundation has a single mission: to help homeowners avoid foreclosure. They are an independent non-profit that provides HUD-approved counselors dedicated to helping homeowners. The help they offer is free. Call 888-995-HOPE or go to http://www.995hope.org/
3) To Learn More About Free Help And Money Programs In Your Area
  1. Pennsylvania has a program called the Homeowners Emergency Mortgage Assistance Program that offers $6,000 to help with your mortgage.
  2. Seattle has a program managed by the local Urban League that offers $5,000 to low-income people facing foreclosure.
  3. Massachusetts has a program called the Home Saver Foreclosure Preventions that helps low-to moderate-income borrowers pay their mortgage.
  4. In Ohio, the Cuyahoga County Foreclosure Prevention Program offers up to $5,000 to help people get their mortgage back on track. And people making up to $80,750 can go to the Ohio Housing Finance Agency to learn about refinancing to a 30-year, fixed-rate and get reimbursed for out-of-pocket expenses for appraisal, credit report and other costs.
  5. The Maryland Department of Housing and Community Development offers loans up to $15,000 to pay delinquent mortgages payments, taxes and other arrearages.
Contact your state housing office, your state attorney general’s office and your elected officials to learn about all the programs in your area. Remember, no one office knows everything and it is best to contact as many sources as possible.

Your State Housing Authority Office…
http://www.ncsha.org/section.cfm/4/39/187


Your State Attorney General’s Office…
http://www.naag.org/ag/full_ag_table.php

Your Elected Official (put in your zip code on left)…
http://www.congress.org

Saturday, April 12, 2008

One man's trash is another man's ... lunch

By Dalia Colon, Times Staff Writer
Published Thursday, April 10, 2008 12:27 PM

Sam Ceckowski has just returned from a Sweetbay supermarket in Sarasota, and he's offering his housemates a bag full of candy.

"Would anyone care for a white-chocolate-covered macadamia nut?" the lanky 19-year-old college student asks. A few takers extend their open palms.

Aside from the nuts, the guys' kitchen table holds a German chocolate cake and a cheesecake. Their fridge teems with hummus, salad dressing, artichokes, cucumbers, swiss chard, firm squash, mangoes, romaine hearts and asparagus so fresh it snaps. The only offensive items are some moldy strawberries and a carton of organic milk they let spoil.

Not a bad spread, considering all this food came from the trash.

Ceckowski and his roommates live as "freegans," people who can afford groceries but instead choose to live off of food they find in garbage bins, in an effort to reduce consumption and waste. The term combines the words free and vegan, though that's a bit of a misnomer, since many freegans eat and use animal products. (It's also called Dumpster diving, or Dumpstering, although any brand of waste receptacle will do.)

So far, Tampa Bay freegans are scarce. But ever since Oprah Winfrey did a show on the freegan lifestyle in February, several online Tampa Bay communities, including Yahoo and Meetup groups, have sprung up as would-be Dumpster divers try to form a viable local community.

Ceckowski and his mates, who share a two-bedroom house in Tampa near the University of South Florida, each spend about $2.50 a week on food, rounding out the Dumpstered loot they share with store-bought baking supplies, spices and butter.

"I don't eat garbage. I eat delicious food that happened to be in the trash can," says one of the roommates, David Japenga, 19. "Big difference."

'Free food. Let's get it'

Freeganism works best in a community setting, because many stores throw away unsold food in bulk. If you scrounge up eight boxes of cereal and your friend snags a few gallons of milk, then together you're golden.

Japenga and his roommates moved to Tampa from Romeo, Mich., on a whim in August. They already had experience scavenging up North after Japenga read a book called Evasion, the true tale of a man who Dumpster-dived across the country.

Two years ago, when the buddies began plundering bagels from Big Apple Bagels in Michigan, they had never heard the word freegan.

"It was just like, 'Free food. Let's get it,' " Ceckowski says.

The roommates scavenge about once a week, usually hitting three trash bins for about 10 minutes each. They like to go around midnight; one holds a Maglite while the other rummages through the garbage. The guys have a fleet of jalopies in their driveway, but they bike almost everywhere, including, often, to the trash. And they know where the getting is good: Winn-Dixie, 7-Eleven, Einstein Bros. Bagels. Suburban waste bins are lucrative, too, and there's less competition.

Much of the food the guys find is less than 48 hours past its sell-by date, and they've had some amazing harvests: Sixty-dollar cuts of ham, still cold. An entire dairy section, still cold. For Easter dinner, they ate stuffed mushrooms, made from Dumpstered portobellos and stuffing.

"One time I found a Dumpster full of frozen ice-cream cakes. It was up to my knees in ice-cream cakes," Ceckowski says. He shared them with the neighbors.

But it's not all mushrooms and ice-cream cakes. Dumpsters smell as foul as you'd expect. There's rotten food and bags of blood from supermarket butchers. They once encountered maggots.

But they've never come across anything repugnant enough to turn them off from freeganism — no rats, drug paraphernalia, feces or dead babies. "Stuff that most people think you would find, I've never found," Japenga says.

And despite their unconventional means of putting food on the table, freegans live otherwise normal lives.

They have mainstream friends. Twenty-four-year-old Quinn Hechtkopf, who grew up in St. Pete, is a leader in New York City project Freegan.info, the unofficial authority on U.S. freeganism. He'll go to a restaurant with consumer friends and sip water all night.

Freegans have children, feeding them the same food they eat and dressing them in clothes handed down from other freegan parents.

They have pets. Hechtkopf's cat, Kitty Squat, eats Dumpster-dived meat.

And yes, they date. Japenga says his girlfriend, Lily, does not go Dumpstering but will eat food he has found.

Moreover, freeganism extends beyond found food. The guys' house is full of used items, including thrift-store clothing and a table they built from lumberyard scraps. Ceckowski once found a working Yamaha keyboard while Dumpstering at a Sam Ash music store.

But they've never found anything they believe someone threw away by mistake. "We're never that lucky," Ceckowski says. "We never find gold bars."

Scavenging setbacks

Technically, Dumpster diving is not illegal. In fact, you could get in more trouble for tossing trash into a Dumpster — say, stashing your broken TV in a supermarket's trash bin.

"It is unlawful to put something in the Dumpster," says James Ransom, spokesman for the Hillsborough County Solid Waste Management Department. "I do not know of a law, and we could not find any law, that says you cannot go in and take something out of a Dumpster."

Of course, in order to Dumpster dive you have to trespass, which is a misdemeanor.

Then there are the health risks. Japenga and Ceckowski say they've never gotten sick from eating Dumpstered food, but Hechtkopf once ate some blue cheese that gave him diarrhea.

"Your body will get dehydrated if you don't take care of yourself. It can kill you," says Doug King, food and waterborne illness investigator for the Hillsborough County Health Department. Meat and dairy products, he says, are especially dangerous.

"They're moist, they're protein-rich, so bacteria thrive in those environments," King says. "Then, obviously, when they're not refrigerated, the food stays in the temperature danger zone, and the bacteria grow and multiply." And maggots are never a good sign, as they indicate something is decomposing.

King says the freegans are at risk for parasites, viruses, fecal contamination, salmonella and E. coli, a bacteria that can cause kidney failure and is potentially fatal.

But King also said Dumpstered produce is probably safe. And even the stores say Dumpstered food isn't necessarily bad; Sweetbay and Publix say that once their food passes its sell-by date, much of it gets donated to local food banks while it's still safe to eat.

"If you're smart — and they sound like they're smart — you can use our own standards against us," says Sweetbay spokesman Steve Smith. "Food safety is No. 1 at any retailer. Because of that, we will always put expiration dates that are before when the product actually would expire. You're always going to give yourself some padding. So they're smart in that you absolutely can eat that product — some products."

Still, there are other hazards, Ceckowski and Japenga say. Trash compactors. Angry managers. Some donut shops that used to throw out pastries by themselves have begun discarding coffee grounds in the same bag. A dollar store recently starting dousing its trash with bleach.

Stores have good reason to discourage Dumpster divers: If you get hurt while scavenging, the store could be in a lot more trouble than you. In 1992, two 9-year-old boys died from exposure to toxic chemicals after playing in the trash bin at Durex Industries plant in Tampa. A Durex executive pleaded guilty to a charge of storing waste illegally and had to pay each boy's family $400,000.

Smith, of Sweetbay, agrees that garbage bins are dangerous by nature, even for pros like Ceckowski and Japenga.

"In general, keeping people out of Dumpsters seems like a good thing," Smith says. "But I gotta tell ya, I love their resourcefulness."

Their life, their choice

Sitting around their back-yard fire pit on busted kitchen chairs they'd found on a curb, Japenga asks Ceckowski, "What's your mom going to say when she comes down here, Sam?"

"Oh, I dunno," Ceckowski says with a laugh. "She'll yell at me."

Ceckowski and Japenga live this way by choice. They have jobs and savings accounts and middle-class parents. "We don't want to give any false illusions of us being underprivileged. We're not bohemians, we're not pretending to be," Japenga says.

Quinn Hechtkopf, the New York freegan, graduated from Shorecrest Preparatory School in St. Pete and earned a bachelor's degree in computer science from Wesleyan University, a private college in Connecticut. He isn't in school and has no full-time job. He spends much of his time volunteering with children and at a bike workshop.

When he needs money, he does electrical work for a few weeks and then takes a few months off. He, like Japenga, does not have health insurance. His only recurring expenses are his $300 share of the rent, utilities and razors. His last big splurge, in March, was a $20 bus ticket to Washington, D.C.

Hechtkopf calls himself a "waste parasite," living off the excesses of capitalism. He believes the U.S. economic system will soon collapse, so he and the others at Freegan.info are developing alternatives to freeganism. These include rooftop gardens and foraging edible plants in city parks.

"I guess what he's trying to do right now is find his way and what he can do to make a difference," said his mother, Bonnie Hechtkopf, who owns Kobie Marketing in St. Petersburg. "And I think that it's a bigger picture than saving some bread out of a Dumpster."

In October, Bonnie Hechtkopf — who is also a licensed dietitian and nutritionist —
attended a freegan community dinner while visiting her son.

"I certainly believe in reusing, recycling, all that kind of stuff, but going into this dinner I certainly was a little apprehensive," said Hechtkopf. "First I wasn't going to eat anything, but they had a whole table with a really lavish spread."

Salad. Baked tofu. Wild Brown Rice. Broccoli. Biscotti. Two kinds of bread. Apple cake. An Ethiopian flaxseed beverage. The only thing she didn't dare touch was the smoked salmon appetizer.

"It was impressive," she said. "It would've cost a fortune buying it in the market here, and the quality was really very good."

Bonnie Hechtkopf thinks her son will one day earn a salary as an advocate for homeless people or for he environment. Other freegans, like Ceckowski and Japenga, are content simply to spread the gospel, telling curious onlookers about their choice. It doesn't bother them when people offer them $20, mistaking them for indigent. And if you accused them of being lazy, of squandering their privileged upbringings, that wouldn't upset them, either.

"It is lazy, I guess," Japenga says. "But (the markup on food) is economic violence against me."

One way or another, he says, he'll live this way forever.

"I can't bring myself to buy a bagel at Einstein's," he says, "when I know there's a whole Dumpster full in the back."


Learn more

• Freegan.info Hechtkopf volunteers with this organization, which is a project of New York City's Activism Center at Wetlands Preserve. Read up on the freegan philosophy, message freegans around the world (there are only two registered in Florida) and hop on a Dumpster-diving message board. www.freegan.info.

Tampa Bay Area Freegans Yahoo Group Connect with aspiring local freegans — mostly folks who saw it on Oprah and are looking to start Dumpster diving. www.groups.yahoo.com/group/TBAFreegans.

Dumpster Diving Meetup Again, this one's just getting off the ground. www.dumpsterdiving.meetup.com/cities/us/fl/tampa.

Friday, April 11, 2008

Senate Passes Foreclosure Bill

On Thursday, April 10th, the Senate passed a bipartisan package of tax breaks and other steps designed to help businesses and homeowners weather the housing crisis. The plan combines large tax breaks for homebuilders and a $7,000 tax credit for people who buy foreclosed properties, as well as $4 billion in grants for communities to buy and fix up abandoned homes. The bill also offers $150 billion for pre-foreclosure counseling and stronger loan disclosure requirements.

The measure also calls for a long-awaited modernization of the Federal Housing Administration that would enable more homeowners to refinance into loans backed by the Depression-era agency. It includes $10 billion in tax-free mortgage revenue bonds to help homeowners refinance subprime loans, a move endorsed by President Bush.

While the Senate's Foreclosure Bill has passed with an impressive vote in the Senate, the White House opposes the bill. The bill will also be significantly redrawn by critics in the House. We will keep you updated on the changes made to this bill.

To read more, you can go here: http://money.cnn.com/2008/04/10/news/economy/senate_foreclosure.ap/index.htm

For more information on the White House's foreclosure fix, see: http://money.cnn.com/2008/04/09/news/economy/congress_housing_relief/index.htm?postversion=2008040918

Sunday, April 6, 2008

More help

Maryland is not the only state working on proposals to try to cap the escalating rate of foreclosures. Legislation is being considered across the country from California to Florida.

To read more here: http://www.washingtonpost.com/wp-dyn/content/article/2008/04/02/AR2008040203638.html?sub=AR

Maryland Lawmakers to Help Homeowners


On April 2, 2008, Maryland lawmakers passed some of the nation's most ambitious legislation to control the housing crisis by toughening oversight of the mortgage-lending industry and establishing preemptive measures to help people at risk of foreclosure.

Maryland's legislation would provide "immediate relief" to homeowners facing foreclosure. The bills include making the most egregious mortgage schemes subject to criminal prosecution, extending the foreclosure timetable from 15 to 150 days and prohibiting prepayment penalties and transactions in which homeowners are tricked into signing over their houses to third parties.

Wednesday, April 2, 2008

Work Help In Your Community (Community Based Organization Outreach)

Community Based Organization Outreach consists of Community Outreach Teams, who in turn coordinate referrals to the public workforce system for job placement. These teams work from career centers in the Bronx, Brooklyn, and Queens and work to develop partners for job placement and training partnerships. The teams can conduct registration and screening within the community. The target area is for residents of Mott Haven, Melrose and Morrisania, Jamaica or Bedford-Stuyvesant. This program is in development.

State: New York
Age: None
Subject: Jobs
Type of Money: Other
Income: None
Application: None

19. Improve Your Skills (Work Advancement and Support Center)

The Work Advancement and Support Center's goals are to help low-wage workers upgrade their skills and to help business retain workers. Two models are currently being piloted. The Career Center model is EarnMore, administered by Seedco at its Central Harlem career center. EarnMore offers career coaching and skills training to help participants earn more in the work place. Coaches are based in Manhattan, the Bronx and at the career center. The Employer Focused Model is based at the Bedford-Stuyvesant WASC and supports activities of employers who want to help train their workers for higher jobs. These programs are for those 18 and older who earn $14 an hour or less or who have incomes at or below 200% of the poverty level. You receive a monthly Metro Card (up to 6) after you achieve your goal.

Workforce1 Career Center, 215 W. 125th Street, 6th Floor, New York, NY 10027
GMHC, The Match Program, 119 West 24th Street, 11th Floor, New York, NY 10011
Henry Street Settlement, Workforce Development Center, 99 Essex Street, 3rd Floor, New York, NY 10002
Citizens Advice Bureau, 391 W. 149th Street, Bronx, NY 10455

For more information go to http://newyork.earnbenefits.org/moveup/

State: New York
Age: 18 or older
Subject: Education and Training
Type of Money: Service
Income: None
Application: http://newyork.earnbenefits.org/moveup/

Get Specialized Job Training (Customized Training Funds)

Customized Training Funds gives businesses the opportunity to apply for grants to provide a range of training for their employees, including contextualized literacy, English as a Second Language, job readiness, and occupational training. Employers can use the training awards to pay for wages while workers are in training, and award will cover at least 60% of the cost. For more information contact sites: Bronx, 358 East 149th Street, Bronx, NY 10455; 718.960.7988: Brooklyn, 9 Bond Street, 5th Floor, Brooklyn, NY 11201; 718.875.3400; Manhattan (Lower), 79 John Street, New York, NY 10038; 212.618.8914; Manhattan (Midtown), NYC Business Solutions @ SIBL, 188 Madison Avenue, Room 052, New York, NY 10016; 212.592.7036: Manhattan (Upper)
215 West 125th Street , 6th Floor, New York, NY 10027; 917.493.7243: Queens
168-46 91st Avenue, 2nd floor, Jamaica, NY 11432; 718.557.6772: Staten Island BSC, 60 Bay Street, Staten Island, NY 10301; 718.556.9155 ext. 115. To learn more about the program go to http://www.nyc.gov/html/sbs/nycbiz/html/hiring/training.shtml

State: New York
Age: None
Subject: Jobs
Type of Money: Service
Income: None
Application: http://www.nyc.gov/html/sbs/nycbiz/html/hiring/training.shtml

Help To Spread The Word (Language Access Program)

The goal of the Mayor's Office of Immigrant Affairs Language Access Program is to offer help to city agencies on how to address language access issues. Over 600,000 city residents are limited in their English proficiency and live below the poverty line. This program helps agencies to better provide social services, education, job training, and housing services to this group. This is for New York City Residents. You can learn more by contacting the Office through 311 or going to http://www.nyc.gov/html/imm/html/home/home.shtml You can also locate a Directory of Immigrant Services at https://a069-webapps3.nyc.gov/dsial/IMG_Listing.aspx

State: New York
Age: None
Subject: All
Type of Money: Other
Income: None
Application: None

Get A Decent Wage (Enforce Living Wage and Prevailing Wage Requirements for City Contracts)

Often employers of low wage workers do not pay them a living wage or taxes, or even provide a healthy or safe environment in which to work. The New law "Prevailing Wage and Living Wage Requirements in City Contracts" provides that the Mayor's Office of Contract Services can ensure that businesses who have contract work with the city are in compliance with prevailing wage and living wage laws. This is for New York City residents. Contact Mayor's Office of Contract Services, 253 Broadway, 9th floor, New York, NY 10007; 212-788-0010; http://home2.nyc.gov/html/mocs/html/home/home.shtml

State: New York
Age: None
Subject: Other
Type of Money: Other
Income: None
Application: None

$25-50 Child Support Payments (The Non-Custodial Parents on CA/FS/MA/SS Program)

The Non-Custodial Parents on CA/FS/MA/SS Program helps non-custodial parents who are on Cash Assistance (CA), receive Food Stamps (FS), Medical Assistance (MA) or Supplemental Security Income (SSI). If they receive FS or MA and their income is below $13,783, then the child support order should be $50 per month. If they are on CA or SSI then they are eligible for $25 a month child support order. This is for New York City residents. For more information contact the local Child Support Enforcement office at http://www.nyc.gov/html/hra/downloads/pdf/field_offices.pdf or call 888-208-4485.

State: New York
Age: None
Subject: Living Expenses
Type of Money: Other
Income: Below $13, 783
Application: None

Learn Your Responsibilities (The Family Court Non-Custodial Parent Outreach program)

The Family Court Non-Custodial Parent Outreach program provides early intervention when a new child support order is given. Workers form the Office of Child Support Enforcement inform the non-custodial parent of their rights and responsibilities and how to avoiding falling into arrears. This is for New York City residents. For more information contact the local Child Support Enforcement office at http://www.nyc.gov/html/hra/downloads/pdf/field_offices.pdf or call 888-208-4485.

State: New York
Age: None
Subject: Kids
Type of Money: Service
Income: None
Application: None

Get Parenting Help (The Parenting Vouchers Program)

The Parenting Vouchers Program adds parenting classes to the job training plan. This is for unemployed non-custodial parents who are enrolled in HRA's Back to Work vendors and have a child support payment to fulfill. This is for New York City residents. For more information contact the local Child Support Enforcement office at http://www.nyc.gov/html/hra/downloads/pdf/field_offices.pdf or call 888-208-4485.

State: New York
Age: None
Subject: Kids
Type of Money: Service
Income: None
Application: None

Job Training For Non-Custodial Parents (Support Through Employment Program (STEP)/Community Service program)

Support Through Employment Program (STEP)/Community Service program provides training and placement assistance for employment of non-custodial parents. For those who do not comply with this program they will be required to perform community service with the Department of Sanitation. This is for New York City residents. For more information contact the local Child Support Enforcement office at http://www.nyc.gov/html/hra/downloads/pdf/field_offices.pdf or call 888-208-4485.

State: New York
Age: None
Subject: Education and Training
Type of Money: Service
Income: None
Application: None

Help Get Caught Up (The Arrears Adjustment Initiative)

The Arrears Adjustment Initiative is still pending final approval, but the design is that if a non-custodial parent pays the child support in full for 10 months as well as completes some task (parenting program, job training, etc.), the arrears owed will be reduced by 25% at the end of 12 months. A completion of another year of the same task and payments, arrears drops another 25%. This is for New York City Residents. For more information contact the local Child Support Enforcement office at http://www.nyc.gov/html/hra/downloads/pdf/field_offices.pdf or call 888-208-4485.

State: New York
Age: None
Subject: Kids
Type of Money: Service
Income: None
Application: None

Help Take Care Of Your Kids (Non-Custodial Parents)

Non-custodial Parents need to be involved in their children's lives and comply with child support payments. Many non-custodial parents face social and economic barriers and actively distrust the system. Programs have been established to help these parents understand the court system, so that support payments are manageable. The DSS Default Order Initiative is for non-custodial parents who are receiving Cash Assistance and whose support orders were obtained by a default court order. By working with the Office of Child Support Enforcement, non-custodial parents may receive a reduction in the amount of the child support without returning to court. This is for New York City residents. For more information contact the local Child Support Enforcement office at http://www.nyc.gov/html/hra/downloads/pdf/field_offices.pdf or call 888-208-4485.

State: New York
Age: None
Subject: Kids
Type of Money: Service
Income: None
Application: None

Get A Job (City Agency Hiring)

Business Link screens and refers cash assistance recipients to city agencies to fill job vacancies. Business Link advertises these job positions by sending flyers to over 1000 locations where clients will see them, including job centers, community colleges and more. You can also call Business Link at 877-585-JOBS for more information. Check out Business Link at http://www.nyc.gov/html/hra/html/family_independence/business_link.shtml

State: New York
Age: None
Subject: Jobs
Type of Money: Service
Income: None
Application: http://www.nyc.gov/html/hra/html/family_independence/business_link.shtml

Get Your RN Degree (Nursing Career Ladders)

In order to have enough RNs the Nursing Career Ladder was established. Health and Hospitals Corporation employees can enter an RN training program. You must be at least 17 years old and have a high school or GED diploma. Your income must be below 130% of poverty ($22,321 for a family of 3), although 30% of the available sears are available to HHC staff without regard to income. You receive full tuition and support services. For the RN program, your first two years, participants take coursework required for the Bachelor of Science in Nursing degree and any accredited college. Then you transfer to the HHC/Long Island University Nursing School to complete the final two years. For more information contact New York City Health and Hospitals Corporation, Human Resources/Workforce Development, CEO/HHR, Nursing Program, 346 Broadway, Room 514, New York, NY 10013; 212-442-3768, http://www.nyc.gov/html/hhc/html/careers/nursing.shtml

State: New York
Age: at least 17
Subject: Education and Training
Type of Money: Other
Income: $22,321 for family of 3
Application: http://www.nyc.gov/html/hhc/html/careers/nursing.shtml

Get Your LPN Degree (Nursing Career Ladders)

In order to have enough LPNs the Nursing Career Ladder was established. Health and Hospitals Corporation employees can enter an LPN training program. You must be must be at least 17 and have a high school or GED diploma. Your income must be below 130% of poverty ($22,321 for a family of 3), although 30% of the available seats are available to HHC staff without regard to income. You receive full tuition and support services. For the LPN program you must pass the Department of Education entrance exams, which consist of the Pre-Nursing Assessment test and the Test of Adult Basic Education. The site is located at Goldwater Hospital on Roosevelt Island and lasts 11 months. For more information contact New York City Health and Hospitals Corporation, Human Resources/Workforce Development, CEO/HHR, Nursing Program, 346 Broadway, Room 514, New York, NY 10013; 212-442-3768, http://www.nyc.gov/html/hhc/html/careers/nursing.shtml

State: New York
Age: At least 17
Subject: Education and Training
Type of Money: Other
Income: $22,321 for family of 3
Application: http://www.nyc.gov/html/hhc/html/careers/nursing.shtml

Your Information Line (311 Health and Human Services Language Access Outreach and Marketing Campaign)

Many NYC residents who have limited English are not aware of the health and human services available to them. They can call 311 and now can learn about the programs as the information is available in over 170 languages and they can call anonymously without having to give their immigration status. Many residents fear enrolling themselves or their children in programs as they do not want to be deported. The City has Executive Orders 34 and 41 which prohibit city employees from sharing a person's immigration status with third parties. You can call 311 or go online www.nyc.gov/311

State: New York
Age: None
Subject: All
Type of Money: Service
Income: None
Application: www.nyc.gov/311

Get Your Earned Income Credit (Increase Receipt of the EITC)

The NYC Department of Finance will analyze past tax returns to see if people qualify for the Earned Income Tax Credit. If they do qualify the office will complete amended tax returns which they will send to recipients for simple verification and with a stamped envelope to return the form. In 2007 over $10 million was found for 16,000 households. http://www.nyc.gov/html/dca/html/initiatives/eitc.shtml Working families earning less than $40,000 a year could be eligible for as much as $6,000. It's not too late for New York City residents to claim the Earned Income Tax Credit! If you qualify for the EITC - but never claimed it - you can amend your taxes and file for up to three years back, as much as tripling a refund! There are sites operated by the IRS which can be found by calling 800-827-1040 or by going online at http://www.irs.gov/localcontacts/index.html The NYC EITC Coalition operates sites for free tax preparation. Most are open 8:30-4:30, offer free services to those making under $39,000 and offer language assistance. You can find them at:

IRS
1200 Waters Place
Bronx, NY 10461
212-436-1000

IRS
625 Fulton St.
Brooklyn, NY 11201
718-488-2068

IRS
290 Broadway
New York, NY 10008
212-436-1000

IRS
110 W. 44th St.
New York, NY 10036
212-436-1000

IRS
55 W. 125th St.
New York, NY 10027
212-436-1000

IRS
59-17 Junction Blvd.
Rego Park, NY 11368
718-760-6019

IRS
10 Richmond Terrace
Borough Hall Building
Staten Island, NY 10301
212-436-1000

State: New York
Age: None
Subject: Living Expenses
Type of Money: Free Money
Income: Up to $40,000
Application: http://www.nyc.gov/html/dca/html/initiatives/eitc.shtml

Learn Your Benefits (Access NYC)

ACCESS NYC is a free internet-based service that identifies and screens for over 35 city, state, and Federal benefit programs. Many residents qualify for these programs, but do not know that they are eligible. You can go to www.nyc.gov/accessnyc for more information

State: New York
Age: None
Subject: All
Type of Money: Service
Income: None
Application: www.nyc.gov/accessnyc

Free Bank Accounts (Office of Financial Empowerment)

The Office of Financial Empowerment is working to help educate low-income workers on financial education and services. They are working with financial institutions to offer no-fee bank accounts to participants of opportunity NYC. They are also working to educate workers to reduce debt and increase savings. Many workers qualify for Earned Income Tax Credit, but the cost of tax preparation reduces the benefit. This office is working to offer more free and low-cost tax preparation services for EITC eligible families. Eight banks and credit unions that are offering the Opportunity NYC accounts are Amalgamated Bank, Bethex Federal Credit Union, Brooklyn Cooperative Federal Credit Union, Carver Federal Savings Bank, Lower East Side Peoples Federal Credit Union, M&T Bank, North Fork Bank, and Union Settlement Federal Credit Union. Set for the Spring of 2008 financial counselors will be working to help education people about financial management in the Phipps Opportunity Center in the Melrose section of the Bronx. For more information contact Office of Financial Empowerment, New York City Department of Consumer Affairs, 42 Broadway, 8th floor, New York, NY 10004; 212-487-2710; http://www.nyc.gov/html/dca/html/ofe/ofe.shtml

State: New York
Age: None
Subject: Living Expenses
Type of Money: Other
Income: None
Application: None

2. Up to $3,000 for Workforce Activities (Opportunity NYC: Work Rewards)

Residents of public and subsidized housing have been encouraged to participate in the Federal Family Self-Sufficiency Program (FSS). This program encourages work participation and earnings among these residents by providing them with a savings escrow account that matches any increase in rental payments due to increased income. The escrow account is receivable after five years. Not many residents participate in the program. But organizations in Upper Manhattan, the South Bronx and Central Brooklyn have been contracted to make case management services more accessible. Some participants (randomly selected) can also be part of a workforce-focused condition cash transfer (CCT). This part provides cash bonuses for meeting work force employment or training goals. CCT payments can go up to $3,000 per year. Household income must be equal or less than 130% of poverty level ($22,321 for a family of three). To learn more contact your local public housing office, or Housing Preservation and Development, 100 Gold Street, New York, NY 10038; 917-286-4300; http://www.nyc.gov/html/hpd/html/tenants/FSS.shtml

State: New York
Age: None
Subject: Job; Education and Training
Type of Money: Free Money
Income: $22,321 for family of 3
Application: None

1. $6,000 For Your Family (Opportunity NYC: Family Rewards)

This program is piloted in six community districts (central Bronx, East and Central Harlem, Brownville and East New York in Brooklyn), and is designed to reward low-income families who complete specific activities in the areas of education, health, employment or training. To be eligible:

*Families must have at least one child in fourth, seventh or ninth grades in a NYC public school.

*Household income must be equal or less that 130% of poverty level ($22,321 for a family of three).

Monetary awards are awarded every two months for meeting specific goals for the family. Examples given include $25 for attending a parent-teacher conference, $600 for high school student passing a regents exam; $150 for maintaining full-time employment; $100 for preventive health screening. Families can earn $4000-6000 a year depending on targets met. Only 2,500 can apply. Click here to learn how to apply http://www.opportunitynyc.info/how_apply_en/ For more information on the program go to http://www.opportunitynyc.info/

State: New York
Age: None
Subject: Living Expenses
Type of Money: Free Money
Income: $22,321 for family of 3
Application: http://www.opportunitynyc.info/how_apply_en/

43 Programs to Help NYC Residents


Mayor Michael Bloomberg established the Center for Economic Opportunity to help design and implement programs to help reduce the number of NYC residents living in poverty. The Center designed different initiatives based on research and model programs to help break the cycle of poverty. Some of these programs have begun, some are in the initial start up phase, some are neighborhood specific, and some are city wide, but the following descriptions can help you learn more. You can:

-Earn $25 for attending Parent-Teacher Conference

-Earn $600 for passing Regents exam

-Get $6,000 for earned Income Tax Credits

-$1,500 for Child Care expenses

-Go to college for FREE

-Get free job training

New York City wants you to succeed, so take advantage of some of these great programs!

To learn more contact the Center for Economic Opportunity at http://home2.nyc.gov/html/ceo/html/home/home.shtml

Tuesday, April 1, 2008

Gives Kids a Chance to Hit a Home Run



Pepsi MLB Pitch, Hit & Run is a free skills competition that allows kids to showcase pitching, hitting and running abilities. Winners can advance through four levels of competition to the National Finals at the MLB All-Star Game! To offer this in your community, sign-up to host an event. You will be provided with a free administrative kit to host your event. Contact: Major League Baseball Players Association, 12 East 49th Street, 24th Floor, New York, NY 10017; 212-826-0808; Fax: 212-52-4378; http://mlb.mlb.com/NASApp/mlb/mlb/kids/mlb_pitch_hit_run.jsp; Email: pitchhitrun@mlb.com
Application: To sign-up to host a competition, go to: http://www.lejsports.com/host_competition.html
Income Eligibility: None

Congress Planning More Help for Bad Mortgages



It's called the New Economic, Mortgage and Housing Rescue Proposal and would provide $300 billion to refinance borrowers who are in mortgage trouble. The proposal allows for a government agency that would negotiate with the lender to determine lower value of the house with a lower mortgage payment. The lender would receive government assistance. Keep track and view the details at: http://financialservices.house.gov/FHA.html

Emergency Rent and Down Payment Assistance Increasing In DC



A 14-month-old program that provides up to $6,000 in emergency money for families earning up to $26,499 for a family of 4, is asking for more money to cope with the current economic downtown. http://www.wjla.com/news/stories/0308/504886.html

For info on the DC program see: http://tenac.org/files/Emergency%20Rental%20Assistance%20Program.pdf

To find similar programs in your area: Contact your city and county officials. You can also locate your local and county government offices on the web at http://www.govengine.com/localgov/index.html.