Gone to the Birds Gala

On September 18, 2014, RCAP Solutions Celebrated its 45th Anniversary by going to the birds! Over 250 attendees, made up of artists, business professionals, RCAP Solutions supporters and Worcester Regional Chamber of Commerce members participated in a birdhouse auction, hosted by Skinner Auctions. Over 100 works of art were auctioned, raising over $16,000. 100% of the proceeds will support housing and homelessness prevention programs for Worcester County families.

We thank the many generous sponsors, talented artists, and the staff and volunteers who donated their time and talents and helped to make this event a great success!

Photos by Andrea Seward, Habakkuk Media Services.

 

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The State of Homelessness in America 2014

 

State of Homelessness

The State of Homelessness in America 2014 is the fourth in a series of reports that chart progress in ending homelessness in the United States.

It examines trends in homeless between 2012 and 20 13, trends in populations at-risk of homelessness from 2011 to 2012, trends in assistance available to persons experiencing homelessness, and es tablishes a baseline fr om which to measure  changes in the homeless assistance system enacted by the Homeless  Emergency Assistance and Rapid Transition to Housing (HEARTH) Act.

This report is intended to be a desk top reference for policymakers, journalists, and community and state leaders.

Chapter 1 presents national and state trends in homeless populations.

Chapter 2 examines trends in populations at-risk of homelessness.

Chapter 3 analyzes beds available to homeless persons and usage of those resources, and establishes a baseline from which to examine shifts from transitional housing t o rapid re-housing and permanent supportive housing.

This report uses the most recently available data from a variety of sources: the U.S. Department of Housing and Urban Development (HUD), U.S. Census Bureau, and the U .S. Bureau of Labor Statistics.

Report Highlights: 

On a single night in January 20 13,610,042 people were experiencing homelessness. From 2012 to 2013, a period of continued slow recovery from the Great Recession, overall homelessness decreased by 3.7 percent and homelessness decreased among every major subpopulation—families (7 percent), chronically homeless individuals (7.3 percent), and veterans (7.3 percent).

But nationwide trends do not t ell the full story:
• 31 states saw a decrease in homelessness, while 20 states saw increases in overall homelessness.
• The national rate of homelessness fell to 19 homeless persons per 10 ,000 people in the general population, but the r ate in individual states ranged from 106 in Washington, DC  to 8 in Mississippi.
• The rate of veteran homelessness fell to 27 homeless veterans per 10,000 veterans in the general population, but the rate in individual states ranged from 28 in Wyoming to 156 in Washington, DC.

You may download the full report by clicking here: State of Homelessness 2014

American Renters Still Cannot Afford Rent Nationwide

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On March 24, the National Low Income Housing Coalition released Out of Reach 2014. This is the 25th anniversary of Out of Reach. The first Out of Reach was published in 1989.

This year, the national two-bedroom Housing Wage of $18.92. The Housing Wage represents the hourly wage a full-time worker must earn in order to afford a modest rental home while spending no more than 30% of their income toward housing costs. This means that nationally a household must have income of least $39,360 a year in order to afford a two-bedroom unit at the Fair Market Rent (FMR) of $984 per month.

Wages of renters continue to fall short of housing costs. The average renter in the U.S. earns $14.64, $4.28 less than the national two-bedroom Housing Wage and fifty-one cents less than the one-bedroom Housing Wage of $15.15.

Extremely low income (ELI) households, those with incomes of 30% or less of the area median (AMI), comprise one out of every four renters, and fare even worse when seeking affordable housing. ELI renter households are only able to afford rents of $493 a month, far less than the two-bedroom FMR of $984 and the one-bedroom FMR of $788.

A full time worker earning the federal minimum wage of $7.25 an hour can afford just $377 per month in rent. A minimum wage earner would need to work 104 hours per week, or have 2.6 jobs earning the minimum wage, to afford a two-bedroom rental unit. While Congress and some states are considering raising the wage from $7.25 to $10.10 over the next three-and-a-half years, this wage would still fall short of the Housing Wage of $18.92. Housing will still be out of reach for low wage workers in every state in the nation.

While the national data illustrate the gap between what people earn and what housing costs, the data that are the most useful for housing advocates are those that tell the state and local story. The five states with the highest two-bedroom Housing Wage are: Hawaii ($31.54); District of Columbia ($28.25); California ($26.04); Maryland ($24.94); and New Jersey ($24.92).

Massachusetts Numbers:

In Massachusetts, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,252. In order to afford this level of rent and utilities – without paying more than 30% of income on housing – a household must earn $4,174 monthly or $50,090 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into a Housing Wage of $24.08.

In Massachusetts, a minimum wage worker earns an hourly wage of $8.00. In order to afford the FMR for a two-bedroom apartment, a minimum wage earner must work 120 hours per week, 52 weeks per year. Or a household must include 3.0 minimum wage earners working 40 hours per week year-round in order to make the two-bedroom FMR affordable.

In Massachusetts, the estimated mean (average) wage for a renter is $17.47. In order to afford the FMR for a two-bedroom apartment at this wage, a renter must work 55 hours per week, 52 weeks per year. Or, working 40 hours per week year-round, a household must include 1.4 workers earning the mean renter wage in order to make the two-bedroom FMR affordable.

The report was released in a press conference with NLIHC President and CEO Sheila Crowley, NLIHC Research Analyst Althea Arnold, and Director of Housing Policy at Consumer Federation of America and former president of NLIHC, Barry Zigas. Mr. Zigas headed NLIHC in 1989 when the first Out of Reach was issued. He discussed the origins of the report. Ms. Crowley emphasized the importance of increasing the affordable housing stock for low income renters through an adequately funded National Housing Trust Fund.

As has been the case each year, Out of Reach attracts considerable media coverage. In the week of its release this year, the report was covered by the Washington Post, USA Today, Huffington Post, CNN, and dozens of state and local print, television, and radio outlets.

Out of Reach 2014 can be found at http://www.nlihc.org/oor/2014
To view NLIHC’s press release on the report, go to: http://nlihc.org/press/releases/4214

Massachusetts State Report: http://nlihc.org/sites/default/files/oor/2014-OOR-MA.pdf

Understanding the Challenges and Solutions to Aging in Place

001_seniorsThe following is from a featured article in PD&R EDGE NEWS, an online publication from the U.S. Dept. of Housing and Urban Development:

Over the next 40 years, the population of Americans over age 65 is expected to double from 40 to 80 million, and the population over age 85 is expected to more than triple from 6 to 20 million. Complicating these demographic trends is the desire of most elderly Americans to “age in place,” or stay in their own homes and communities as they age. On January 9, 2013, HUD’s Office of Policy Development and Research convened a panel of experts to discuss these looming demographic changes, their implications for American society, and models that enable elderly Americans to access the services necessary to successfully age in place.

An important context for the discussion was provided by panelist and former HUD Secretary Henry Cisneros, who, like many Americans, approaches the subject through the lens of his own experiences with his parents. “My mother is 89 years old and lives in the home she and my dad bought 2 years before I was born,” said Cisneros. After some time spent in a nursing facility, his mother’s return home was accompanied by an “almost a palpable expression of peace and joy as she walked through the house.” For most Americans, the prospect of aging in place is not an esoteric policy discussion; instead, it strikes an intensely personal chord, touching on life, death, and the importance of family. Given the visceral connection most of us have to our homes and communities, institutions at the local, state, and the federal levels must tackle the challenges of our nation’s aging population and develop solutions that permit people to comfortably age in place.

Obstacles to Aging in Place

Although most Americans want to age in place, the reality, according to U.S. Department of Health and Human Services senior policy analyst James Toews, is that too many individuals enter long-term care institutions unnecessarily or prematurely. Homes and communities frequently are not designed to address the needs of seniors. Many seniors need assistance performing activities of daily living and live in environments that do not accommodate their functional limitations.

Following a catastrophic health event, 25 percent of elderly Americans who temporarily enter a nursing home will find it too difficult to leave. Toews identifies caregiver burnout as one of the primary barriers to aging at home — in the United States, family members provide about 85 percent of all caregiving. These family members may be unable or ill-equipped to provide the complex medical procedures their elderly relatives need, and the medical community offers them little support. In fact, this lack of support is a more significant factor in caregiver burnout than the complexity of the procedures.

RCAP Solutions provides a comprehensive array of elder service programs which can assist our aging population and those who are disabled.  Our Home Modification Loan Program provides financing to disabled persons and their families, enabling individuals to remain independent and make structural improvements affecting the safety of individuals and caregivers.  For more information, please click here.

To see the entire article please click here.

 

Families Living Doubled-Up Tripled from 2003 to 2009

 

Housing

A new report released by HUD analyzes data from the American Housing Survey (AHS) and examines trends in household composition. Analysis of Trends in Household Composition Using American Housing Survey Data was prepared for HUD by Frederick J. Eggers and Fouad Moumen of Econometrica, Inc. Drawing upon AHS data collected between 2003 and 2009, Eggers and Moumen found that the number of households composed of multiple subfamilies tripled between 2003 and 2009, from 199,000 to 622,000. Additionally, the number of households containing a relative other than a spouse or a child under 18 rose by 1.6 million during the same time period.

The study defined doubled-up households as households containing a member other than a spouse, or containing an adult child over age 18 or 21. Overall, adult children over the age of 21 were the most common contributors to doubled-up households. Between 2003 and 2009, the percentage of doubled-up households with a child over 21 increased from 47.4% in 2003 to 50.5% in 2009. Doubled-up households containing a grandchild also increased between 2003 and 2009, from 12.7% to 14.1%.

According to study findings, economic conditions have contributed to the rise of adult children living at home. Between 2003 and 2009, the percentage of adult children with jobs in doubled-up households fell from 60% to 57%. The percentage of adult children reporting salaries, wages or self-employment income also declined. The authors conclude that economic hardship is driving household composition patterns, and further research is needed to determine the causes behind the rise of doubled-up households. A 2013 AHS module may provide more data on the links between doubled up households and homelessness.

View Analysis of Trends in Household Composition Using American Housing Survey Data at: http://bit.ly/1e5yQ2g

 

Home Modification Loan Program Testimonial

 

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More happy customers!

The following is a thank you note sent to Renée Perdicaro, RCAP Solutions Residential Loan Fund Manager from a family that recently received a Home Modification Loan.  This program provides financing to make modifications to the residences of disabled persons, enabling individuals to live independently and remain in their homes.

“We will never be able to thank your organization enough for the opportunity to modify our home. Nor can we thank you enough for all the work and time you personally put in yourself.  If it weren’t for you, I would not be able to be in my own home. Thank you Renée, for all you did and for putting up with the endless phone calls from us as well as from the contractor.  The contractor we used, JW Remodeling, was amazing.  The jobs were done to perfection and we had not a single grievance. With much gratitude, Tom and Karen Grimes”

For more information on our Home Modification Loan Fund Program, please visit our Home Modification Loan Page.

Mass. struggles to help homeless families

Mass. struggles to help homeless families

By Steve LeBlanc, Associated Press

Wednesday, January 1, 2014

BOSTON — By now, Massachusetts wasn’t supposed to have any homeless families.

In 2008, Gov. Deval Patrick set a goal of virtually eliminating family homelessness in five years. The program was intended in part to better detect when families were on the verge of falling into homelessness — and then move in swiftly with aid and support.

Five years later, record numbers of homeless families are straining the state’s shelter system, with about 2,000 families finding temporary housing in dozens of hotels and motels across the state and approximately an equal number staying in family shelters.

For homeless advocates, shelter operators, state officials and, most acutely, the homeless themselves, the maddening persistence of the lack of affordable places to live in Massachusetts can seem intractable.

Patrick and others point to a number of reasons for the surge in homelessness, from the yearlong economic downturn to a pullback in federal aid to Massachusetts’ status as a “right to shelter” place, meaning the state is obligated to find a place to stay for all those who are homeless.

But even Patrick concedes that simply extending the state’s existing anti-homelessness strategies isn’t going to work in the long run.

“We’re going to have to think in some fresh ways rather than just try to do better what we’re already doing,” Patrick said. “I’m really worried about this. It’s not just the spike in the number. It’s what the economy has done to vulnerable people.”

The state already has an array of programs aimed at keeping families from becoming homeless — and getting them back into homes when they do.

One is the Residential Assistance for Families in Transition, or RAFT, program, which offers up to $4,000 a year to help low-income families that are homeless or at risk of becoming homeless. In the 2013 fiscal year, the program helped keep more than 3,000 families from becoming homeless, according to Aaron Gornstein, Massachusetts undersecretary for housing and community development.

Another is the HomeBASE program, which provides help paying rent, utility bills and other expenses so people can stay in their homes. In 2013, that program helped keep an additional 1,000 families out of shelters, Gornstein said.

The state also has the Massachusetts Rental Voucher Program, a version of the federal Section 8 program, which offers rental subsidies to tenants and developments.

Yet another strategy is to develop new low-income housing while preserving the state’s existing affordable housing stock.

Since 2007, the state has created more than 4,000 deeply subsidized units, including more than 700 in 2013 alone, according to Gornstein.

The state also has been spending about $100 million each year to modernize its existing public housing units, rehabbing and bringing back into service about 400 vacant public housing apartments in the past two years. Since 2010, the state also has helped preserve 10,000 privately owned, affordable, subsidized units that were at risk of being converted into market-rate units.

Still, Gornstein said, daunting challenges remain. He pointed to the 5,400 families for whom the HomeBASE temporary rental assistance is ending this fiscal year even as the state forges ahead with its goal of getting homeless families out of hotels and shelters.
“The longer a family stays, the more difficult it is to leave,” he said.

Boston resident Altia Taylor knows the challenges firsthand. For the past five years, she has bounced from shelters to hotels.

Her current temporary housing situation is ending in January, and she hopes to land an apartment in a public housing development for herself, her 15-year-old daughter and her 8-year-old son.

“This long-term instability has me completely out of character that I’m so fed up and overwhelmed,” Taylor, 31, told a Statehouse committee recently. “If I could figure out a way to pay market rate, I would. If I could own my own home, I would. I would have done it a long time ago.”

Those on the front lines of the housing fight say they’re trying to stay upbeat.

Peter Gagliardi, president of HAPHousing, a nonprofit housing agency in Springfield, blamed the housing crisis on stagnant wages, the off-shoring of jobs and a minimum wage that hasn’t kept up with inflation. He said about 200,000 families in the state are spending more than half their income on rent.

Each time the state chips away at the number of families in hotels and shelters, he said, the problem gets worse.

“We’re actually spiraling up,” he said. “Not only do we have to go up the hill, but the hill gets higher.”

Chris Norris, executive director of the Metropolitan Boston Housing Partnership, pointed to a 2012 study that found that the vast majority of homeless families in Massachusetts are led by single mothers with an average income of $8,727. He said a study of homeless families in the Boston area also found that just 3 percent originally came from outside Massachusetts.

Norris warned that solving the problem of family homelessness “will be time-consuming and it will be expensive.”

The problem has already become an issue in next year’s governor’s race, with Republican candidate Charlie Baker vowing to work during his first year in office to eliminate the practice of placing homeless families in hotels and motels.

Patrick, a Democrat who isn’t seeking re-election, said he hasn’t read Baker’s plan, but he’s willing to consider any good ideas.

“If there’s enough detail to put it in place and I think it’s working, I’ll probably do it before the election,” he said.

Article link can be found here:

http://www.recorder.com/news/nation/world/10032766-95/mass-struggles-to-help-homeless-families

No room at the shelter

mag1222 essayHow failed Massachusetts housing policies are threatening the state’s neediest families.

By Dr. Alexandra Coria

December 22, 2013

Pediatricians are not supposed to have favorite patients, but I will admit that every time I see one 5-year-old boy — call him Amir — my day brightens. Amir is charming and precocious, and his mother, whom I’ll call Fatima, is attentive and loving. They are a delight.

Amir has significant intestinal issues that preclude him from eating most processed foods. Because he and his mother are homeless, they have been placed by the state in a motel room where they have only a microwave for a kitchen. Motels are the Commonwealth’s answer to the severe shortage of beds in homeless shelters — on the day after Thanksgiving, there were nine open beds in state shelters and 2,159 families in motel rooms.

Overall, more than 4,100 families are in shelters and motels in the state, an all-time high — and a number that could rise through next summer.

The motels are woefully inadequate for keeping children healthy, even children without Amir’s problems. There is often no place to play safely, no way to cook nutritious food, and a lack of nearby social supports. So, while homeless families technically have a roof over their heads, their bodies and brains are still threatened.

At our last visit, Fatima told me that she had devised a way to prepare food Amir could eat using a rice cooker — he could now have freshly made stews, she told me with relief.

“But what are you eating?” I asked.

“Oh, well.” She looked down. “I needed to lose weight anyway.”

Fatima, who recently lost her job as a housekeeper, has been eating mostly cheap canned soups, full of salt and preservatives. She can’t afford fresh food for both of them. I can send them to our food pantry, but that seems futile, because I can’t give her the means to cook or store what she would get there.

I work at Boston Medical Center, where the pediatric emergency room sees 28,000 children a year. A survey of 6,000 Boston-area families by the pediatric research center Children’s HealthWatch estimated that more than half of the children younger than 4 were housing insecure, moving frequently or otherwise living in unsafe or inappropriate housing. Such children are more likely than their housing-secure peers to get hospitalized, be hungry, and have developmental delays. As Dr. Megan Sandel, a BMC pediatrician and longtime housing advocate, often says, housing is a vaccine; it protects our children from hunger, disease, and violence, just as a shot protects them from measles.

Alarmingly, being housing insecure in Massachusetts does not necessarily qualify a family for shelter. In 2012, the eligibility requirements were sharply restricted, and as of April 2013, up to 75 percent of applicants were being denied placement, sometimes because they couldn’t prove they had slept somewhere unfit for human habitation, like a car or a bus station.

When BMC social worker Nikki Hinckley talks about these families, her voice is tense. She talks about a child with sickle cell disease, a condition where cold weather can bring on intense pain, strokes, and life-threatening lung problems. The family was sleeping in a cold church basement, which disqualified them for shelter but landed the child in the hospital. She talks about autistic children living in crowded conditions, causing them severe emotional distress, and families who come to the ER over and over, trying to find a way to get housed. “It’s just awful, sitting in front of families day after day saying we have nothing to offer them,” she says.

HomeBASE, a temporary housing subsidy program put in place in 2011, was supposed to be an answer to the combined crisis of housing insecurity and unsuitable motels. It was originally intended to provide three years of assistance to homeless families, supplementing their income so that they could afford apartments, get on their feet, and ideally start paying their own rent. It expired this summer, after the Legislature voted to shorten the program by a year.

More than half of the state’s approximately 5,000 HomeBASE families will have lost their subsidies by the end of this month, according to the Metropolitan Boston Housing Partnership, or MBHP. The rest will lose them by the end of July. Although new stipends from the state have helped keep many of those families off the street so far, the funds top out at $8,000, which doesn’t go far around here. “All bets are off once that assistance is gone,” says MBHP executive director Chris Norris.

According to a May 2013 report from MBHP, which administers the HomeBASE program in the Boston area, program families had an average monthly income of $845, with an average monthly housing cost of $1,283. In one of the nation’s most expensive housing markets, it was unrealistic to expect that these families could get to the point where they could afford their rent without the support. Ironically, those in motels end up costing the state roughly $2,400 a month, significantly more than paying their full rent would be.

Norris, Sandel, and others believe the answer is permanent income-adjusted housing subsidies. These would require a significant initial investment, and we would need to maintain a shelter safety net as long as it’s needed.

But we know that temporary subsidies don’t work and that the motel system is unhealthy and expensive — the rooms now cost the state $46 million a year. And data from a program for homeless adults indicate that subsidies would likely be cheaper than health care and other services currently used by housing-insecure families.

Permanent subsidies introduced without further restricting access to the shelter system would be a real, cost-effective investment in lives like Amir’s, and our legislators need to know that’s an investment we want them to make.

Dr. Alexandra Coria is a pediatric resident at Boston Medical Center and Boston Children’s Hospital. Send comments to magazine@globe.com.

Link to article can be found here: http://www.bostonglobe.com/magazine/2013/12/22/how-massachusetts-failing-homeless-families/9UZIwZDStVfaDvLV9fnPsL/story.html

Harvard University Housing Study

for_rent2-300x300Harvard University just released a national report on the trends in the rental housing market.  

Read the Introduction here:

Rental housing has always provided a broad choice of homes for people at all phases of life. The recent economic turmoil underscored the many advantages of renting and raised the barriers to homeownership, sparking a surge in demand that has buoyed rental markets across the country. But significant erosion in renter incomes over the past decade has pushed the number of households paying excessive shares of income for housing to record levels. Assistance efforts have failed to keep pace with this escalating need, undermining the nation’s longstanding goal of ensuring decent and affordable housing for all.

Reversing the long uptrend in homeownership, American households have increasingly turned to the rental market for their housing. From 31 percent in 2004, the renter share of all US households climbed to 35 percent in 2012, bringing the total number to 43 million by early 2013.

A confluence of factors drove this increase. The enormous wave of foreclosures that swept the nation after 2008 certainly played a role, displacing millions of homeowners. The economic upheaval of the Great Recession also contributed, with high rates of sustained unemployment straining household budgets and preventing would-be buyers from purchasing homes. Meanwhile, the experience of the last few years highlighted the many risks of homeownership, including the potential loss of wealth from falling home values, the high costs of relocating, and the financial and personal havoc caused by foreclosure. All in all, recent conditions have brought renewed appreciation for the benefits of renting, including the greater ease of moving, the ability to choose housing that better fits the family budget, and the freedom from responsibility for home maintenance.

Read the entire study by clicking here.

 

KPM is RCAP’s “Exclusive Mobile Sponsor”

Girl With Mobile Smart PhoneRCAP Solutions, is pleased to announce a new partnership with Kevin P. Martin & Associates, P.C. (KPM) as “Exclusive Mobile Sponsor”.

This sponsorship allows RCAP Solutions to offer a mobile giving program, which utilizes new technology to raise funds from mobile phone users.

“KPM is thrilled to be the Exclusive Mobile Sponsor for RCAP Solutions,” stated Karen Kent, Principal at KPM. “Many nonprofit organizations are searching for new ways to increase fundraising activity and we applaud their ‘outside of the box’ thinking. I have worked with many non-profits and believe that using new technologies for fundraising shows creativity that will be appealing to a very wide audience. We are pleased to partner with RCAP Solutions, as they continue to support the community and help so many in need, especially at a time when the demand for RCAP Solutions’ services is growing.”

“Mobile technology is changing the way nonprofit organizations do business,” said Karen A. Koller, President & CEO of RCAP Solutions. “RCAP Solutions understands the importance of using resources wisely; however we believe that new technology can have a significant impact in engaging clients, volunteers and donors. Our hope is that a mobile giving campaign will attract a wider audience of donors and KPM’s sponsorship allows 100% of those donations to directly benefit RCAP Solutions programs and positively impact families in need.”

KPM is the first business to participate in “RCAP Plus” a new sponsorship program offered by RCAP Solutions.  “RCAP Plus” provides sponsorship opportunities for businesses and communities interested in supporting the many important programs provided by RCAP Solutions that assist individuals and families throughout Central Massachusetts and the rural communities across the Northeastern United States.

RCAP Solutions is primarily supported by state and federal funding sources; however with shrinking funds and required funding matches, it is becoming more difficult to provide the necessary programs to clients.  RCAP Solutions works with hundreds of families each year, providing the necessary stabilization services for those in need, in order to keep them safe, healthy and in permanent housing.  With over 2,000 families living in hotels across the Commonwealth and more families becoming homeless every day, the need for additional funds is continually growing.

Try it out now, text “RCAP” to 56512.  Every dollar of your donation will support our HOME for the Holidays Campaign.  Click here for more information.