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Durham, NC Just Finished Erasing $2.7 Million In Traffic Debt

Cinnamon Janzer

February 17, 2021 |

Next City |

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800-1500 Words

Response Location: United States, Durham, North Carolina

The DEAR program (Durham Expunction and Restoration) put 11,084 drivers back on the road legally and waived $2.7 million in fines in a purge of old cases that had revoked driving privileges for unpaid fines and fees. The two-year amnesty program, part of a national movement, took aim at the often racially disparate enforcement of state laws that burden the formerly incarcerated and others with unaffordable monetary penalties. Deprived of the right to drive, people either miss out on work and educational opportunities, or risk more traffic tickets, arrests, and fines.

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The Sausage-Making to Revive a Black-owned Sausage Factory in New Orleans

Oscar Perry Abello

January 14, 2021 |

Next City |

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1500-3000 Words

Response Location: United States, New Orleans, Louisiana

Community land trusts typically provide affordable housing but now one is responsible for the revival of a family business in New Orleans. Commercial community land trusts are emerging as viable solutions for tenants being displaced by higher rents as well as the revitalization of historically Black centers of commerce. Commercial land trusts are an avenue for the Black community to have “economic self-determination.”

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CHOP financial wellness program helps local families recoup $700K

Jessica Blatt Press

January 07, 2021 |

The Philadelphia Citizen |

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1500-3000 Words

Response Location: United States, Boston, Massachusetts

A pediatric care center in Philadelphia has partnered with a nonprofit that "helps people with tax prep and asset-building" as well as an organization that provides financial counselors to offer young patients free, on-site help with their taxes. The initiative is modeled after Boston Medical Center' StreetCred program which has "returned more than $5.3 million to more than 2,700 low-income families since 2016."

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Changing their minds, and their lives: A way out of poverty in Philadelphia

Harold Brubaker

September 12, 2020 |

The Philadelphia Inquirer (Philadelphia Media Network) |

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1500-3000 Words

Response Location: United States, Philadelphia, Pennsylvania

The MindSet program adopts 30 people per year for a five-year "mobility mentoring" program, coaching people living in poverty to set clear goals and helping them save toward economic independence. Run by the nonprofit Episcopal Community Services and modeled on Boston's EMPath (Economic Mobility Pathways), MindSet rejects traditional case management and approaches that merely maintain people's lifestyle, focusing instead on plotting a path to a better future. More testing is needed on its effectiveness, but EMPath participants increased their annual income from $16,000 to $47,000.

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Rebuild Foundation and Sunshine Enterprise team up to train city's creative entrepreneurs

Arionne Nettles

August 31, 2020 |

The Chicago Reader |

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800-1500 Words

Response Location: United States, Chicago, Illinois

Artists in Chicago can benefit from entrepreneurial training programs which teach technical business skills, provide access to information about art grants and also build a network of like-minded creatives. Rebuild Foundation and Sunshine Enterprise are two initiatives that have provided creative entrepreneurs with the specific skills needed for creative ventures to succeed. The needs of this community of business owners is different from typical entrepreneurs.

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Mexico Is Saving Its Coral Reef From Hurricanes With A One-Of-A-Kind Plan

Alexandra Kirkman

August 24, 2020 |

The Huffington Post |

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1500-3000 Words

Response Location: Mexico, Puerto Morelos, Quintana Roo

To protect the Mesoamerican Reef from the effects of climate change, key stakeholders in Mexico created the world’s first insurance policy to protect a natural asset. The policy provides an immediate infusion of cash in the event of a damaging storm, allowing hotel owners and local governments to quickly repair the reef and prevent further degradation. A volunteer corps of people called the Guardians of the Reef make those repairs. While the insurance policy doesn’t cover pollution or overfishing, this mechanism could work for reefs in other countries to restore and protect threatened ecosystems.

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It Takes a Village: How Coalition Work is Transforming Lives in Detroit - NationSwell

Sarah Morgan

August 03, 2020 |

NationSwell |

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800-1500 Words

Response Location: United States, Detroit, Michigan

A coalition of organizations in the Detroit region had “a goal of re-engaging the region’s 690,000 adults who had completed some college but hadn’t gotten a degree.” One of the programs they created was the Wayne State Warrior Way Back program, which allows students with school debt to re-enroll and “learn” off their debt at a rate of $500 for each semester completed.”

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We Know How to Fix Student Debt

David Byrne

July 31, 2020 |

Reasons to be Cheerful |

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1500-3000 Words

Response Location: United States

A study found that students without debt ended up with a higher income than students with debt, an overall benefit to the larger economy. In the U.S., "44.7 million American adults are saddled with student debt totaling $1.6 trillion.” This article explores what other countries like Germany, New Zealand, and South Korea, among others have done to lower the cost of university tuition and thus student debt.

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The hidden hand that uses money to reform troubled police departments

Kit Ramgopal Brenda Breslauer

July 19, 2020 |

NBC News |

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1500-3000 Words

Response Location: United States

Smaller cities that cannot afford costly payouts for civil settlements in police misconduct cases rely on liability insurance, which can act as a regulator when insurers demand reforms up to and including disbanding troubled departments. While police killings have decreased in large cities over the past six years, they have increased in the suburban and rural areas served by the vast majority of police departments. “Loss prevention” measures that require policy and personnel changes have been proven to work, but insurance that fails to police the police can also shield cities from accountability.

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Poor credit is a barrier to affordable housing. Lending circles are a tool for those in poverty

Nicole Hayden

February 14, 2020 |

Desert Sun |

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1500-3000 Words

Response Location: United States, Coachella Valley, California

Lift to Rise, a Coachella Valley nonprofit that pushes for housing and poverty policy change, launched a local lending circle program aimed at serving minority residents break the cycle of poverty. Partnered with San Francisco-based Mission Asset Fund, the lending circle helps those with poor credit or no credit at all to build up a spending history, have access to loans, create a savings account, improve their score, and more. Since 2008, Mission Asset Fund has partnered with more than 50 organizations across the U.S. to provide lending circles to more than 9,000 clients.

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