Friday, April 5, 2013
The Able Works Blog Has Moved!
In an attempt to integrate our blog more as a part of our website, we have moved our blog to Wordpress. Please follow us there at ableworks.wordpress.com.
Friday, February 22, 2013
Current Needs for the LiveAble:Women Cohort
The LiveAble:Women cohort meets every Thursday from 5:30-7:30pm
beginning March 21st. There are multiple ways for volunteers to get involved,
either once a week or once a month. The volunteer opportunities and time
commitments are below.
Ways to Get Involved:
• Provide child care. Two hours once a week.
• Cook meals. Two hours once a month.
• Be a guest speaker. One hour each occasion, depending on your expertise.
• Be a life coach. Two hours once or twice a month.
• Co-lead a cohort. Three hours once a week, with occasional meetings throughout for
preparation.
Interested in finding out more information and ways to get
involved? Contact Blanca Medina at Able Works. Blanca@able.is, 650.328.1890.
First Cohort to Launch Early March
The 18-30 year old age range is the most underserved
population in the community. Many organizations are youth-focused and once
students reach the age of 18, their program opportunities diminish and as a
result, they are often forgotten. Within this age group there are various subgroups
with various needs: high school graduates, first generation college students,
young single moms, previously incarcerated individuals…the list could go on and
on. Our hope is that in building a cohort around each subgroup, we can meet
their needs more effectively while building support around them.
The first cohort we will be launching is LiveAble:Women. We
plan to launch an additional three cohorts later this year.
Many young moms in our community find themselves financially
stuck and without the resources necessary to escape their hardships. It is our
hope that through LiveAble:Women, they will be able to receive support in
thriving financially, gaining a foothold in the community, and cultivating
success for their children.
Our plan is to collaborate with other organizations serving
young moms in the community to ensure that all their needs are being met. We
will launch the cohort mid-March, and have an informational meeting planned for
potential cohort members the last week in February. Interested in ways to serve
these young moms? Click here.
Introducing the NEW LiveAble:Cohorts Program
We are proud and excited to announce a new program that joins
the concepts of FutureProfits with those of our LiveAble program which provides
credit, foreclosure, and homeownership counseling. We hope to be able to change
lives by building on the great work we do in FutureProfits through our
curriculum, classes, and relational volunteers. By pairing the FutureProfits
concepts with our current LiveAble counseling program, we will be able to serve
young adults facing critical decisions about their future lives and finances.
The new LiveAble:Cohorts program focuses on 18-30 year olds,
equipping them with resources and assets to move from merely surviving to
thriving and helping them make life choices that enable them to climb out of
economic survival mode. This program is set up in a cohort model for peers to
move forward together in a healthy environment while having group
accountability and mentorship.
Each cohort will last for a year, with anywhere from 10-20
members in each. The cohort will meet weekly as a group providing a time to
connect, build community, and encourage one another to make great choices. Additionally,
mentorship will be offered to each individual. Each cohort will be formed
around interest groups to better serve the needs of the cohort members and to
work towards the same goal with a unified purpose. For example our first group
will be focused on young moms and is called LiveAble:Women.
All cohorts will support members as they expand assets via matched
saving accounts, credit building/rebuilding, emergency savings accounts, and
personal resource development. The cohort will help participants be successful,
accountable, and educated in their finances, academics and vocation – working
to both correct and avoid financial mistakes that might affect their ability to
succeed.
With this new program, there are many new opportunities to
volunteer. Click here for ways to get involved.
Friday, October 26, 2012
I hear you.
I hear you.
You are not alone.
Let me encourage you.
These are three statements that I heard spoken to one man
yesterday and regularly hear from our staff members.
That these were some of the first words spoken to him after
expressing his frustration, reminded me how proud I am to be at Able Works,
with our hard working and compassionate staff.
Oftentimes the community members we serve are indeed frustrated,
upset, and often feel hopeless. Frankly, most of them are justified in feeling
this way having been taken advantage of numerous times by banks or refinancing scams.
Whenever they interact with individuals, our staff is able to reach out and
connect on a level that is deeper than just looking over their paperwork. They
connect on a heart level and really live out our mission of equipping people with
financial education, life skills, assets, and enabling them to live free from
oppression and poverty.
Working at a non-profit, it’s not often easy to see the
fruit of your labor. Yet sometimes, the fruit isn’t necessarily all that
matters. Sometimes a home can’t be saved, or a financial situation not readily
fixed, but this isn’t our only metric for success. What’s most important, as
the result is to let these people be heard and encourage them when encouragement
can’t be found anywhere else.
What would it look like to view the problems of those around
me not as an opportunity to achieve some result, but realize that by simply
listening, I have an opportunity to really connect and speak life and encouragement
into others?
Tuesday, October 2, 2012
Fighting homelessness.
Seeing desperate homeowners in our office each day and hearing them tell their stories outside my office makes it easy to see the good our team is doing. However, it isn’t always as easy for me to understand what our team actually does to save these homes. In the month I’ve been working here, I’ve realized my heart has fully grasped the emotions and heartache of this but my brain hasn’t fully understood the process leading up to it.
Recently, I spent some time with our housing counselors to try to better understand the foreclosure process and where they enter to help save homes. I realized, “Gosh, everyone should have the opportunity to know this.”
This is what they said:
At Able Works, the clients we serve are applying for a loan modification as a result of being in danger of losing their homes and sometimes facing homelessness. (Modifying their loan allows them to more successfully make the payments.)
After our housing counselors submit a full financial package (which can be a very tedious and detail specific process), the client’s lender will review the information and send it to the underwriter. At this point, the underwriter decides whether or not the client is approved to move forward with a modification. If the modification is approved, the lender will typically send the homeowner a trial payment plan lasting three months. During this time the homeowner is responsible for making all payments on time. Once the payment plan is over, the file will return to the underwriter and the modification will likely be finalized – allowing our client, the homeowner, to remain in their home.
Due to the bureaucratic and confusing nature of the banking system, the loan modification process is one that can take up to several months, sometimes even over a year. During this time, our counselors are providing as much emotional support as they are financial counseling to these families.
It is amazing to me that these counselors can be working with clients for a long time and the subject matter is certainly not easy to handle. They are fighting for these homes alongside the homeowners and providing hope without judgment. I get emotional just writing about this and our team does it every single day.
I hope, like me, you were able to gain some perspective on the foreclosure process as well as understand the great work our LiveAble team is doing on a daily basis. They are truly saving families from homelessness and the emotional impact that causes.
--Laura Gross
Tuesday, August 21, 2012
What's so great about a marching band?
Growing up I was a part of the high school marching band. Every Friday night during the football games, we would play the school fight song and march during the half time show. The marching band rallied the community in showing our support and pride in the team. Despite the fact that during my four years of high school our football team won only a handful of games, we continued to show up every Friday and support them.
By my senior year, it was clear we weren't going to be State Champions, but the marching band still showed up to support the team. Part of that was because it was required for band students, but I like to think it was because we believed the best in our team and hoped for their success.
The principle of believing in one's best has remained with me. I love to believe the best in people and get excited about organizations striving to do the same. This is what initially drew me to Able Works.
Able Works strives to equip individuals to fulfill their greatest human potential. As an organization, we seek to help people be free from poverty and oppression. We provide them with life skills and assets, including someone believing for their best. It would be easy to believe that my job, similar to supporting a losing football team, is a requirement. But Able Works continues to hope for people's success and truly believes in the individuals they are helping.
It isn’t just a job when you work at Able Works. You work here because you believe in it and want to be a part of making your community and the people in it better. And in doing so you believe with your heart and soul in the individuals you are helping. I work here for these same reasons. I want to continue to believe the best in people like we believed in my high school football team. I want to hope for their success.
Laura Gross
Subscribe to:
Posts (Atom)