Written by Beth St. John, Coordinator, Michigan Benefits Access
Michigan Benefits Access (MBA) exists to increase economic stability for Michigan families by connecting them to multiple public benefits through the MI Bridges website and Community Partners. The Michigan Association of United Ways collaborates closely with the Michigan Department of Health and Human Services (MDHHS) through MBA to support a collaborative network of non-profit organizations throughout the state. These organizations are called MI Bridges Community Partners. They partner with MDHHS to assist clients with using the MI Bridges online system to apply for public benefits. These benefits include: food assistance, state emergency relief, health care coverage, child development and care, and cash assistance. To find the MI Bridges Community Partners in your area, please see the MBA Web Site’s Find Help Near You Tool.
Organizations that are interested in becoming a MI Bridges Community Partner can apply with MDHHS at any time. There are two ways organizations can become involved: Access or Navigation Partner. Access Partners provide computers for clients to access MI Bridges and complete applications independently. Navigation Partners provide computers for MI Bridges access and provide technical and one-on-one navigation assistance to clients as necessary. For more information and the application materials, please see the MBA Web Site’s Become a Partner page.
To support the work of Community Partners, the Michigan Association of United Ways collaborates with MDHHS to provide:
A 3-hour, in-person MBA/MI Bridges Training to Navigation Partners (To learn more and see our upcoming training events, please visit the MBA Web Site’s Training Page)
Access to the MBA Web Site’s For Organizations page, which includes the following assistance resources: Client Handouts, Assister Tip Sheets, Promotional Materials, and information on the MDHHS benefits available through MI Bridges
Ongoing communication and technical assistance to enhance Community Partner effectiveness
We look forward to sharing more information about Michigan Benefits Access during the Connect & Share Webinar on Friday, September 18! Register for the free webinar here. If you have any questions about MBA prior to this event, please visit the MBA Web Site or contact Beth St. John, MBA Coordinator at firstname.lastname@example.org or 517.664.9809.
I recently had the opportunity to travel to the Shenandoah Valley in Virginia for thePartners for Rural America(PRA) annual conference and meeting. The conference highlights rural economic development around the country, and gives members of PRA an opportunity to share exciting rural development going on in their state as well as learn what is happening regionally and federally with government programs aimed at rural communities.
Partners for Rural America was formed to support the efforts of State Rural Development Councils (SRDCs) which are positioned to expand economic and social opportunities for America’s rural communities and their residents, promote equal treatment of rural America by government agencies and the private sector, and to provide a collective voice for rural America.
White Oaks Lavender Farm
Along with members of SRDCs in numerous states, attendees included representatives from USDA Rural Development (including the Deputy Under Secretary for Policy, Rural Development), and elected officials and department heads from the state of Virginia. Sessions included a presentation on community assessments, rural policy coordination, national trends and research initiatives and council collaborations and future development. I was able to present on the community assessment process in Michigan, and bring back ideas on improving our assessments. The second day of the conference was a tour of economic drivers of the Shenandoah Valley.
Route 11 Potato Chip Factory
The tour highlighted the various ways rural development is advancing the economy of Virginia. The tour included stops at small businesses, agro-tourism businesses such as the White Oak Lavender Farm, the Blue Ridge Community College’s Advanced Technology Center, and the American Shakespeare Center Blackfriars Playhouse. While on the tour we were able to speak with the business owners and managers and learn about the unique challenges and opportunities of operating rural businesses and training centers. We also learned how the community college was working in partnership with local manufacturers to create special training courses for their rural residents.
Blue Ridge Community College’s Advanced Technology Center
It was inspiring to see the innovative ways that rural areas across the nation are finding to drive economies, increase wealth of rural areas and improve the lives of rural residents. I hope to lead the Michigan Rural Council in building on the ideas and innovations that I brought back to Michigan from the conference to help revitalize and enhance our rural communities.
From adults struggling to get ahead to children just beginning to save, financial capability programs can help people of all ages reach greater self-sufficiency and the freedom to live rather than simply survive.
Lack of financial capability is widespread in the U.S. today, from generational struggles passed on, to middle income earners facing job loss and unexpected challenges. As the financial marketplace becomes increasing complicated and living wage employment increasingly hard to come by, people need help navigating a complex new economy.
Changing the Course
Financial empowerment initiatives are taking place across Michigan through partnerships with nonprofits and municipalities. Rather than using a bandaid as a temporary solution, these initiatives target the root cause of need in our communities – financial instability.
Momentum is building around programmatic additions and changes to nonprofit organizations, including greater partnerships with municipalities like Financial Empowerment Centers. There are currently four centers across Michigan providing free, one-on-one, professional financial counseling to educate people on savings, debt reduction, credit repair and banking.
Other Michigan communities are working to learn more and are starting to consider strategies for their own residents.
One of the best things we can do to tackle financial instability in our communities is to invest in children when they are young and give them the tools to be self-sufficient right away. Earlier in 2015, Lansing launched Lansing SAVE, the first all-inclusive children’s savings account program in Michigan, and soon Barry County will launch Kickstart to Career. These programs automatically open savings accounts for children with seed money to initiate the process of saving money for college and other post-secondary training options.
Municipalities and Organizations Leading the Way
Statistics show that youth that have a designated account for college are more likely to attend higher education even in low amounts (between $1-$499). Further, low-income students with a college savings account are four times more likely to graduate from college than students without accounts.
From San Francisco to New England, leaders in the financial empowerment field have recognized the potential implications for their communities through investment in child savings. The City and County of San Francisco established the first universal, automatic children’s savings account program Kindergarten to College and is helping to share best practices with others, like Barry Community Foundation to craft their own program that will work for their needs.
Beyond The Basics
The notion of program or service of any kind creates a lot of questions. Who funds it? How will we engage users and inspire investment? Leaders from CFED, the City of Lansing, the CFPB, the San Francisco Office of Financial Empowerment and many others highlighted their experience and their ideas, but the truth is that these programs are investments. We won’t see the real return for another 20 or so years when these initial programs come to fruition.
Data from San Francisco show that even low income parents are contributing to CSAs. Private savings show that parents are utilizing the help that was given to them to empower their child and teach them good financial practices at an early age. Incentives, when available, help them to save even more. CFED launched the 1:1 Fund to help programs raise money for savings matches and incentives. As the children’s savings field develops, great attention is being paid to what incentives work to ensure strong private savings rates by children and their families.
While traditional accounts offer electronic transfer and middle income earners often have access to direct deposit, children’s savings programs must consider the needs of lower income, unbanked families and their technical barriers. We must also consider the possibility of family and friends interested in contributing and streamlining this process. Chris Duffus, with LEAF College Savings, identified some of these technological barriers and created college savings gift cards, making it easy for people to contribute to any child’s college savings account.
As technology advances and other people start their own programs and financial empowerment initiatives, the future holds much possibility. Will it be less likely that a child will live in poverty through their adult life? Will children accessing savings accounts at a young age become self-sufficient and set the course of their own future?
The Michigan Financial Empowerment Summit brought together leaders from across Michigan and across the country invested in the notion that the answer to these questions is yes. Beneficiaries of Children’s Savings Account programs get the added bonus of saving toward their goals from a very young age. Could this be the difference that changes the game, giving kids have a real shot at fulfilling their dreams?
Though they’re just about to enter first grade, Michigan’s first class of community-wide college savers in Lansing are already thinking about their goals beyond high school. Congratulations class of 2031!
CEDAM would like to thank Sponsor State Farm for supporting financial empowerment training and other financial empowerment initiatives in Michigan.
This blog is a guest blog written by Ariana Gonzalez with the National Resources Defense Council (NRDC). It was originally posted here.
Go ahead. Call it a comeback.
Governor Snyder and others have been touting how Michigan cities like Detroit are surgingforward like never before. The recent grand opening of the new Outdoor Adventure Center in a Detroit building formerly vacant for twenty years is just one example of the city’s rebirth. But, don’t think this growth is just contained to in-state revamps. It’s also extending to new businesses like Shinola and GalaxESolutions who are finding reasons to set up shop in town.
Former Globe Building. Globe Building Interior Transformation into the Outdoor Adventure Center” by Michigan DNR is licensed under CC BY 2.0.
The New York Times recently chronicled a similar story of revitalization occurring in Buffalo where the wind and solar industry are attracting companies like SolarCity, BQ Energy (a renewable-energy developer), and the renewables-friendly Yahoo. With the prospect of good clean energy jobs, a flood of people, many youth returning home, are gravitating to Buffalo. The message is clear: companies and individuals alike see the promise of a city increasingly embracing clean energy.
Over the years, Detroit’s population has become more known for mass exoduses than influxes. But, that story could be put firmly in the past. With smart energy policy in Michigan, Detroit could follow in Buffalo’s footsteps: becoming a hub of solar, wind, and other renewables that continues to feed the city’s renaissance.
In New York, it’s clear that the enlightened Reforming the Energy Vision (REV) process has been an important back drop in advancing this new dawn of clean energy development. The goal of the “energy modernization” initiative is to build a bridge to a cleaner, more efficient, and affordable energy system which will help protect the environment, lower energy costs, and create opportunity for economic growth. Sounds a lot like all the goals and ambitions Governor Snyder outlined, but with the enforceable policy process to back it up.
The final, historic rule limiting carbon pollution from power plants is likely to come out next week and at this critical juncture between state and federal energy policy, Michigan needs to commit and put some teeth in its legislation. As currently proposed, however, the bills on the table look to do just the opposite.HB 4297, SB 437, and SB 438 will paralyze Michigan’s ability to provide affordable, reliable, and clean energy to the state while boosting the economy. The following are five ways to most critically improve the recently introduced Senate Bills, though this list is by no means exhaustive.
Maintain and increase, based on cost-effective potential, the energy optimization standard (EOS) and renewable portfolio standard (RPS) for electric utilities. Setting a minimum energy efficiency/waste reduction goal, with incentives for utilities that capture cost-effective savings beyond the targeted amount has been enforceable and effective in Michigan, and many other states, and sends an important signal to markets that still have barriers for these resources.
Eliminate artificial caps on the budgets for energy efficiency as long the utility efficiency portfolio is, on the whole, cost-effective. The spending cap limits a utility’s ability to take full advantage of energy efficiency’s potential–a limitation that is absent for every other resource.
Properly value energy efficiency and renewable energy. Consideration in the integrated resource planning (IRP) process is undermined by assigning no value at all to environmental benefits that extend beyond minimal compliance with federal regulations and requiring resources to compete mostly on the basis of their value as a capacity resource – rather than on the basis of all costs of generating, transmitting and delivering electricity.
Require the Integrated Resource Planning (IRP) policy to have utilities include all of the cost-effective potential for energy savings in their plans before the utility is able to invest in supply side resources.
Include the words “symmetrical” and “true-up”in the language clarifying the Commission’s authority to approve proposals to decoupling utility revenues from electricity sales. This ensures that utility financial health is not dependent on energy sales, but on service as a whole.
Remove, do not create, barriers for customers who want to install energy systems (net metering) so that they can be appropriately compensated for electricity and other benefits their systems provide to the grid (while paying appropriately for their own use of the grid).
We know what works for Michigan. We know what builds the economy, lowers energy bills, protects the environment and reliably provides energy. And, it’s echoed in cities like Buffalo. Now is not the time to walk away from that. As currently proposed, the bills would eliminate mechanisms for accountability (EOS and RES) in the pursuit of a new and ambiguous pathway where everything rests on an IRP with no guarantee. Let’s get Michigan’s leaders to recognize this and build on our current success, not dismantle it.
By Lisa Assenmacher, Communications & Training Specialist
522. This is the number of families in the Detroit area that have fallen into homelessness and have since found furnished housing since 2009 with the assistance of Humble Design, a nonprofit organization based in Pontiac.
I listened to Treger Strasberg, one of the founders, talk about her work at the Building Michigan Communities Conference in April, and it made me think about CEDAM’s membership with the gamut of supportive housing- and community-related programs intertwined with empathy, education and support to advance self-sufficiency and empowerment. I’m always amazed when I discover how these pieces of the puzzle relate and work together for something much more impactful.
What must it be like to be homeless?
The harsh reality of life exposes us to illness, adversity and challenges that change the way we empathize with one another and interpret the world. Without having either experienced it personally or indirectly through those we meet, it’s not quite understood just how vulnerable, insecure, scared, hungry or lonely a person’s existence feels for them. Vulnerable populations often lack support to prevent a crisis from devastating their lives, and often rely upon themselves.
Beyond survival, it is unlikely that a homeless person even considers any type of luxury a possibility, and it is very likely that they may not understand how to plan for any next step to protect a repeat of this experience.
It’s an exhausting cycle of poverty that plagues millions of Americans.
Even after a person has found a place to live, the struggle continues.
Homelessness and access to affordable housing are consistent problems in Michigan. State and federal programs are continually at risk and the decreasing available funds are more difficult to obtain. The bigger picture understands that helping people transition into safe and affordable housing is the primary priority.
However, what are we doing to help build a sense of place and stability and keep people in those homes once they have found them?
What will end the cycle of homeless?
Organizations across Michigan have created inventive programs to empower people and assert them into the lives they want to lead rather cycling through this endless struggle and feelings of desperation. These programs address the concept of change through education and ongoing support and include skill development, mental health programs, financial literacy and others.
Further, establishing a sense of place and security only begins with a roof over their head. Furniture and other details together create a home and help to form a psychological connection with a place along with feelings of ownership, reliability and commitment.
Imagine if you and your family were living in an empty home, sleeping on the bare floor. It’s the type of situation most of us don’t even think about.
Families transitioning from homelessness into housing often move in with just their selves and lack anything other than basic furniture or possessions to create a comfortable home.
Now imagine the child’s sense of security, stability and safety, and consider the parent(s) perspective on trying to both make ends meet and be the anchor that the family needs. Many times, there just aren’t enough resources for everything to work out.
The imbalance between what is feasible and what is required continues to grow, heightening the feelings of hopelessness and disconnection for filling the voids. And, in these vulnerable situations, all it takes is one crisis for the pieces to fall.
That’s where all of the wonderful organizations, funders and volunteers come in.
With the identification and integration of these programs implemented across the state, these overlooked aspects can help add to the support network that will keep people in their homes and become self-sufficient and successful.
One such organization is Humble Design.
Sharing a similar story to many who start an initiative, a friend struggling with a problem and an opportunity to help changed the way founders Ana Smith and Treger Strasberg looked at unneeded furniture.
Humble Design Founders Treger Strasberg and Ana Smith
It provided insight into understanding the real conditions faced by those transitioning from homelessness. They also saw the positive psychological effects related to the perception of moving into their new home rather than a space that feels temporary, cold and insecure.
From that point on, Humble Design was born and has grown into a fully functioning nonprofit organization with a flowing supply chain process implemented by staff, volunteers and funders. They formed partnerships with affordable housing and social services organizations to get referrals for families ready to transition. Beyond collecting and storing furniture, the designers at Humble Design carefully coordinates homes for each family and sets it up for them.
522 families have benefited from the work done by Humble Design at the time of this article. Some of them are children receiving their own bed for the first time. Others are simply relieved they don’t have to think about yet another thing that’s out of reach. While every story is different, each one was grateful for the support and sees this as an opportunity for a new life.
Every person stands the chance to break their cycle of insecurity and instability because of the supportive programs that exist to provide education and empowerment.
The next time you drive past furniture on a curb, think about how something seemingly so insignificant can change a person’s perception and direction of their life.
Though my AmeriCorps time has been full of file keeping and database entry activities, the things I will remember more are the life stories I have heard; I have a whole file cabinet in the corner of my brain with the label “Crazy life stories.” This cabinet has slowly been filling up with the stories I have heard, and continue to hear, as I meet with foreclosure prevention clients at ICCF; it continues to be a very interesting time. I hear all sorts of stories and listen to people tell me things that are sometimes hard to hear and sometimes hard to process. Some days, I can listen to the stories, file them away in that cabinet in my brain, and continue to go about my day. But sometimes, I have to leave the file open on the desk right next to the cabinet, unable to file it away quite yet. I have to spend some time processing what I have heard and trying to make some sense of it before I file it away.
One client’s story in particular from this past quarter of my AmeriCorps time was like that. We’ll call this client Kelly. Kelly had been referred to me and called me one afternoon. I answered. Her taxes were behind on her house and she was looking for help-a very normal start to a triage and intake conversation, but the conversation quickly dove into a deeper retelling of Kelly’s life story.
Kelly told me about the deep depression she had been stuck in for a number of years- the onset caused by her mother’s death. Kelly had been able to keep her job the entire duration of her depression, but that was all she was able to do. She got up, went to work, came home, and went to bed. She did not realize how low she actually was. This went on for years, when finally Kelly decided to go to the doctor to see if anything could be done. The doctor prescribed some antidepressant medication right away. Kelly asked the doctor, “Well, doesn’t everyone’s mother die?” The doctor answered, “Yes.” Kelly replied, “So is the whole world on antidepressants?” The doctor replied, “Yes.” This was not a satisfying answer to Kelly. She refused the antidepressants. There had to be another way.
Since that visit, Kelly’s life has really been on the upward climb. She is going to school and getting a college degree, still working her steady job, and also encouraging others to let their mothers know how much they love them. Kelly not only experienced a recent change in attitude towards life, but also towards our housing counseling. She did not want to write her hardship letter when she first came into our office, as she knew it would bring up all of her hard emotions all over again, but by the time she was done meeting with our housing counselor, she was willing to write one. She slowly began to relax and allow the counselor to try and help her with her situation. Kelly is still working with our housing counselor, and though the outcome of her situation is unsure, trust has been built and Kelly experienced a drastic change of attitude.
My own mother lives in the Philippines, just about as far away as you can get from where I live, here in Grand Rapids. After that first conversation on the phone with Kelly, I knew I had to write an email to my mom to tell her I loved her. I did.
Betsy Quakenbush is an AmeriCorps member at Inner City Christian Federation in Grand Rapids.
This post is part of a blog series highlighting the viewpoints of Michigan AmeriCorps Foreclosure Prevention Corps members serving at different foreclosure host sites around Michigan. View information about the program or see more stories in this series.
Beep! Beep! Beep! My alarm is waking me; I want to stay in bed. After all it’s cold and rainy, good day for staying in bed. I slowly move out of bed and gather my thoughts. Today is my Russ Mawby Service project; it’s an outside project, YUCK!! Really, does it have to rain? Couldn’t it just be a nice sunny day? As I gathered my water bottle, coffee, work gloves and jacket I couldn’t get the YUCK attitude out of my system. As I’m jumping in my truck for an hour and 15minute drive to Gaylord, I’m thinking… well at least I can go shopping after the project. We have a family dollar and one grocery store here in the UP. Any chance to go shopping in Gaylord is a great plus to my day.
When I arrive at Gaylord’s Otsego Environmental Learning Site I noticed I wasn’t really prepared for the weather and my “yuck” attitude was still strong. This is going to be a long day. I had a sluggish walk to the cabin and my tennis shoes were already soaked…UGH! Others services members had galoshes, rain coats, hats and smiles. I freshen up on my coffee, grabbed a granola bar and begin looking for familiar faces. I didn’t recognize a single face… UGH. Sometimes I have trouble mingling.
As the cabin continued to fill with volunteers I began to relax and have small talk with those around me. We divide up into several small groups each with a mission to accomplish. I was on the ponds habitat improvement team. The goal was to plant several flats of native plants around the pond. As I stood at the pond looking at all the flats of flowers/plants I realized there was no way I was going to stay dry during this project, which meant no shopping after the project as I didn’t think to bring dry clothing. I acknowledged that it was going to be a long drive back to the UP with wet clothes. I grabbed a flat of flowers and with a gloom I begin planting. Small talk began among my fellow AmeriCorps members and other volunteers.
It wasn’t long and my knees were wet, however, I noticed my “yuck” attitude was drying up. I suddenly realized I was enjoying myself regardless. With my first flat of plants planted I stood up and stepped back, wow they look nice. There was chatter going on behind me, I turned around, the gravel path project behind me was coming along beautifully. I felt a since of warmth on a cold rainy day. I walked along the pond and picked up another flat of plants. As I was walking back to my area of flower planting I could see a group of volunteers working hard at digging a hole. Hmmm what’s going on over there? My curiosity took the best of me and I wandered over to see the project. The group was constructing a hibernaculum for retiles. WOW! How cool is that. Again I felt a since of warmth on a cold rainy day. I walked back to the pond with a smile, knelt down on the wet ground and started planting my second flat of plants.
With my second flat planted I needed a fresh sip of coffee so I wander up to the cabin where again I felt the warmth of sunshine on a rainy day. There was a cheerful group pulling invasive spotted knapweed. Another group was collecting trash from the site. Inside the cabin was the smell of fresh paint. I was admiring newly painted bird houses that the volunteers had made. I walked back to the pond with pep in my step on the newly graveled path, grabbed another flat of plants and continued planting until lunch.
After a yummy lunch and great conversation I realized how fast the day was going. I stood on the deck of the cabin there was a fresh but heavy mist in the air, I looked around. What a difference we had made already. I noticed the educational forest trails had been trimmed and cleared. I could now see the disc golf course. There were educational boards and tools set up to study prairie wildlife. The pond was looking sharp with all the new plants. The afternoon flew by and the day came to an end: my knees were wet and muddy, my hair very damp, tennis shoes soaked and a stiff back, however there was a smile on my face and pride in my heart. What I thought was going to be a long cold yucky day turned into a short warm awesome day. I did not make it shopping that day, nor did I mind my ride home with wet clothes. I was filled with warmth during my ride home as I pondered on how great I felt, the fun I had, how wonderful it is to be an AmeriCorps Service member and the fact I made a difference at the Otsego Environmental Learning Site and in myself.
We had more than 65 volunteers on a rainy day. The day ended with a beautiful gravel path leading from the nature center to the pond. There were thirteen bags of invasive species collected, five bags of trash, eight cover boards for the educational trail, an awesome hibernaculum for the reptiles to take refuge in for the winter, thirteen bird houses built and installed along with 1,260 native plants planted. All on a rainy day.
Rene Halberg is an AmeriCorps member at H.O.M.E. of Mackinac County.
This post is part of a blog series highlighting the viewpoints of Michigan AmeriCorps Foreclosure Prevention Corps members serving at different foreclosure host sites around Michigan. View information about the program or see more stories in this series.
We thought we solved the problem of people not being able to make it to in-person trainings with the invention of the webinar. Maybe with a webinar they wouldn’t feel the need to pull out their cellphone or laptop and answer emails during the presentation. If you’ve hosted a webinar, you know this to not be the case. Since the speaker is invisible and the audio quality is usually poor, people tune out or don’t even show up and just wait for the webinar recording to come out.
So why not just skip right to the recording?
We filmed some of our beginner Real Estate Development workshops. They are the exact same information you would get by attending in person, except as videos. You can go at your own pace and you get a copy to keep, so you can rewatch it any time you need a refresher.
Each online training is $15 for CEDAM members. You can purchase Market Analysis, Utilizing Land Banks and Site Selection & Due Diligence here.
We also have a phenomenal Conflict Resolution training that is specifically designed to be presented in video format. You can see a demo and read about what this training includes here. (P.S. This training will significantly improve your life at work and at home; it’s definitely worth it.)
Julie Powers has been writing HUD grants for twenty years. She has written almost 60 grants, and every one of them has succeeded. During the 2015 Building Michigan Communities Conference, she shared her methods on how to write successful large grants that have multiple organizations involved.
Before starting, Julie emphasized that each grant should have one captain who makes all the final decisions, one person who does all the media and press activities and one editor. The biggest mistake is to piece these responsibilities out, because when this happens, the grant will read like it was written by many different people with no consistent message.
1. Write the budget first.
The rest of your application will be determined by your budget.
2. Write the needs section.
Properly footnote your needs with real data and real research sources. Even if your work plan is not solid, a strong needs section that proves you know your community will dominate.
3. All drama happens in the wee hours of the night.
Do not take vacation before the grant is due. Anticipate that something may go wrong at the last minute: a partner organization drops out, technology fails, a section of the grant is accidentally skipped, etc.
4. Get anything from others that you need before the deadline.
If multiple organizations and people are working on the grant, tell them the deadline is earlier than it actually is so they get their stuff in on time. The head editor needs to put everything together and review the final product before turning it in.
5. Be ready with solid internet.
Large grant applications take a lot of power to upload. If you have a weak or unreliable internet connection, go to a school or library.
6. Write only for things that matter.
The grant reader wants to hear inspiring stories about the difference the funding will make.
• Tech Soup has copies of Microsoft Office, Quickbooks, Adobe software, Windows and all other types of software that nonprofits can get for dirt cheap.
• If you are submitting an application for a federal grant, it is usually done through grants.gov. Set up an account for your nonprofit now. It takes a few weeks to clear and be approved, and this has to happen before you can submit a grant application.
• There is a human on the other end who will receive the grant. They might be willing to help you make sure everything uploaded correctly. If something goes wrong, look for contact information for the application site.
• You might make frenemies (friend-enemies). When you have a vision and you know it will change the world, you will need to leave people/organizations out if they don’t bring what is needed to the table – even if they are great people and you like them. Choose only the strongest partners who you know will carry their weight, communicate and turn materials in on time.
• If you need to prove you have matching funds, but those funds will not be in your hands until after the grant application deadline, you can try the following:
Attach a letter saying you’ve gotten $X every year from XYZ organization for X number of years, and attach previous years’ grant letters. Say you intend to apply to that organization and get $X again this year, and there’s no reason to expect XYZ will not approve that application.
Written by Liv Hagerman, Events and Membership Associate
Children’s savings accounts are the buzz in the financial empowerment movement. Communities across Michigan are taking the steps to implement these programs to better prepare their youth for the future. Why?
The Barry Community Foundation, led by Executive Director Bonnie Gettys, is at the forefront of this movement. The team has been working with local school districts and the Hastings City Bank to launch the Kickstart to Career initiative.
Making a Difference In Barry County
The Barry Community Foundation is located in the heart of Hastings, a place where successful placemaking efforts offer an engaging and interactive environment where people can come together.
Photo property of the City of Hastings. Find out more at http://www.hastingsmi.org
A complete downtown storefront devoid of vacancy offers a range of services, grocery and shopping opportunities. Rented sculptures full of colorful personality are placed as assets to the community, encouraging participation. The town square is charming and the downtown amphitheater and splash pad is inviting.
The Barry Community Foundation, a CEDAM member since 2012, has played an instrumental part in making this happen.
Active in a variety of CEDAM programs, they participate on the Michigan Rural Council Board and has presented at the Small Town & Rural Development Conference hosted annually by the Michigan Rural Council. The Barry Community Foundation understands the importance of remaining connected with both their communities and statewide networks to bring the best solutions and opportunities home.
Kickstart to Career – Pioneering CSAs in Michigan
Launch of the Lansing SAVE CSA program in January 2015.
Bonnie is now working with Megan Kursik, Michigan Communities for Financial Empowerment Coordinator at CEDAM, to create a county-wide Children’s Savings Account (CSA) program for Barry County.
Barry County is the first community in Michigan to create a universal, automatic, county-wide CSA program! (Lansing SAVE, the first universal, automatic, city-based CSA in MI launched in Lansing in January).
Kickstart to Career will open accounts in Winter 2016, and each year thereafter, for all Barry County kindergarteners, totaling about 800 students per year. The foundation was able to find a donor to fully endow the program to seed the accounts with $50 per a child.
The accounts grow as children and their family members contribute and through match incentives created by the foundation and other partners.
Kickstart to Career funds can be used for any post-secondary education program, not limited to college.
If the student decides not to further their education after high school, after they reach a certain age they can withdraw the money they personally put in. The money the foundation put in will be re-seeded to incoming kindergartners.
Accommodating a CSA
The Barry Community Foundation has been able to take the CSA model to such a large scale in their community because they were able to get the program endowed. Consideration to these key items can help make an endowment successful:
Provide a strong case statement
Information presentation – Concise, complete and professionally packaged
Capture a lot of data and use it to reinforce your message and your case
Pictures are key – allows potential donors to visualize
KNOW YOUR DONORS – customize your pitch to each donor’s wants and needs
To learn more about CSAs please visit the CSA page on CEDAM’s website.
Bringing a CSA to Your Community
CEDAM will be hosting the Michigan Financial Empowerment Summit in August in Detroit. Bonnie Gettys will be presenting as well as keynote speaker Jose Cisneros, Treasurer for the City and County of San Francisco. Jose created the first city/county-based CSA and will offer his insights to practitioners in Michigan.
Register for the summit before July 10 to take advantage of a buy one get one 50% off promotion. More details and registration is available here.
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