Tag Archives: easter seals

ULTRAFICO- A New Credit Scoring Model

Easter Seals Greater Houston is proud to offer our housing, financial literacy and down payment assistance programs. hoyo-staff-and-family-close-up                                                           The program has closed on over 120 houses in the past ten year with no defaults ever.  Our staff pride themselves on their knowledge, educational programs, THRIVE access, their ability to tap into city/county funds and resulting success rates. Information that affects your FICO score is always important and Katy Thorstenberg, Program Coordinator with the Easter Seals Greater Houston Financial Literacy and Housing Initiative,  gets the method behind the madness as she explains here.

Move over, old FICO – there is a new credit-scoring model in town. ULTRAFICO is being rolled out and will soon be an option for lenders to use in assessing credit risk of their would-be borrowers. After reading through the changes and trying to figure out the ‘this affects-me how’ piece, one revision pops out.  With the consumer’s consent, the ULTRAFICO model would allow the lender to actually take a one-time peak into the applicant’s bank accounts.  The lender would be able to see how you manage your cash flow; i.e., do you maintain a comfortable balance in your accounts, or do you show a periodic bouncing of checks or overdrafts?

If you have established a history of responsible cash management over time, you will benefit from higher scores.  If you don’t, you won’t.  You might ask if ULTRAFICO will be a game changer when it comes to world of credit/lending.  After all, the present FICO scores already reflect how you pay your bills – on time – late, or never – and are scored accordingly.  The answer is not a big boost to many of us who have been around awhile building a credit history through loans, credit cards and general living.  However, to those who have not yet enjoyed credit card spending and taking on an assortment of loans from personal to car to lines of credit, ULTRAFICO may add points to those individuals, dubbed “credit invisibles”, now another name for millennials. In a CBS news  report by David Shellenberger, senior director of credit scores and predictive analysis at FICO cited “40% of applicants would see an upward shift of 20 points or more in their credit score”.  Of course, scores might track downward as well.  Invisible or not, at the end of the day, you just cannot get away from the fact that DEBT and how you manage it matters.

Written by Kathy Thorstenberg, Program Coordinator of Easter Seals Greater Houston Financial Literacy and Housing Initiative

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Every Journey Begins with a First Step

Getting their first job is one of the biggest steps young persons make in their journey to adulthood. Recently, four young persons with disabilities made this step with the assistance of the Transition and Employment program at Easter Seals Greater Houston. Jason, Christopher, George, and Helmer came to Easter Seals Greater Houston by different paths, but they were all looking for the same thing, help with that big step toward employment and independence. HSHT MID 2017-05

Their paths to employment were different; George found a job two days after our Transition Program staff met him, the others took several weeks to several months to find the right fit in a job. Along the way they all found out what they are capable of doing and how hard they are willing to work to be successful. Their employers – Kroger, What-a-Burger, Dollar Tree and Food Town all report that they are very happy with their new employees. George even has customers asking for him when they shop at his store. Helmer’s employer is asking us if we have more people like him for them to hire.

All of us have had our first job. Some of those jobs we remember fondly, others not so fondly. But, we all learned valuable lessons that we carried with us to our next jobs. These four are learning those lessons now and will use that knowledge to continue to grow as they move forward in their careers.

Every journey begins with a first step. The Easter Seals Transition and Employment program can help make those steps lead to meaningful growth and a bright future.

Robert Williams, Director, Transition Program, Easter Seals Greater Houston

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Celebrating NDEAM – National Disability Employment Awareness Month

David Wright is a recent graduate of Stephen F. Austin High School in Sugar Land where he was in our Easter Seals Houston High School High Tech / RAMP (Ready to Achieve Mentoring) program since his freshman year. David has been interested in becoming a herpetologist for a long time and knows A LOT about it. Freshman year it was hard for our staff to keep him on track because he always wanted to talk about lizards, snakes, and reptiles. We literally couldn’t get him to talk about anything else! Through the years David got better about this, was more open to participating in what the class was doing and it was obvious he was starting to pick up on the importance of our mentoring and lessons about social cues and soft skills and more. Jacquelyn Privatera Miller went with him to his interview for the internship at the Houston Museum of Natural Science at Sugar Land and he was SO professional, acted like a well prepared young adult and dressed himself so well for the interview. Everyone was really impressed. David is thriving in this environment and has opened up more and can have great conversations with people including his new co-workers. He even hugs Jacquie now when he sees her, which he would never ever have done before. So really he has just grown and matured so much in the last few years and is doing a really impressive job at his internship!  Help us congratulate David  as he is enjoying his 20 hours/week internship AND is also enrolled at Wharton Community College! Huge thanks to the museum and the museum staff for making it a life changing experience for David!

High School/High Tech is a community-based partnership of parents, educators, rehabilitation professionals and business representatives working together to encourage students with disabilities to explore the fields of science, engineering and technology. Only 56% of students with disabilities graduate from high school. High School/High Tech was developed to address this situation. Most individuals with disabilities have not had the encouragement, role models, access and stimulation to pursue challenging technical careers or courses of study. Through High School/High Tech, students with disabilities are presented a mix of learning experiences that promote career exploration and broaden educational horizons. High School/High Tech also offers a mentoring program called RAMP – Ready to Achieve Mentor Program. Learn more about High School/High Tech.

Jacquelyn Miller, Easter Seals Greater Houston, High School High Tech / RAMP

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Days Of Caring

On Friday September 28th, ExxonMobil and Easter Seals Greater Houston Adult Services Program went on field trip to the Houston Zoo together as part of the United Way Greater Houston Day of Caring. We really couldn’t have asked for a better day as the weather was perfect, the animals were active and the friendships were forming. About twenty-five ExxonMobil employees volunteered as buddies to walk through the zoo with adults with disabilities from the Adult Services Program. Split up into groups of 5 participants with 5 ExxonMobil volunteers, they were off to explore. Following the one-mile trail, noted on the zoo map, the groups stopped to see all the animals that the Houston Zoo has to offer. Many of our adults said while they loved watching the elephants play and dunk each other in the water during bath time, they were also excited about meeting new people.  We were so delighted that ExxonMobil asked to attend the zoo outing with us. This outing would not have been successful without their planning and organizing help, as well as their hands-on participation.

The main focus of the program is to provide adults with disabilities with a safe environment to socialize, participate in activities and explore life-long personal growth. Community outings with organizations like ExxonMobil are important contributors to improving quality of life, social skills, fitness and so much more for our clients. If your organization is interested in planning an outing with our program, please contact Ashley Nichols at anichols@eastersealshouston.org. And like XOM – if you have matching funds for your staff volunteers hours it is 2 times the support! And 2 times the fun!

Thanks again ExxonMobil and United Way!

Ashley Nichols, Easter Seals Greater Houston, Adult Services

 

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Making a Difference One Dollar at a Time

For the past seven years, Entergy Texas customer Melissa Delgado of Conroe has participated in Entergy’s Super Tax Day events to get her taxes done for free. It is one of many events held as part of the Volunteer Income Tax Assistance (VITA) program – a program sponsored in part by Entergy.

At roughly $300 per year, Delgado has saved more than $2,100 – money she would have had to pay to a tax preparation company. That savings, along with what she gets back on her taxes through the Earned Income Tax Credit, really adds up for her family.

“We found out about this program from a couple at our church seven years ago, and we’ve been coming ever since,” she said. “We were paying so much money. It was such a blessing and still is.”

Delgado and her family plan to use their tax refund to pay for health insurance.

Meanwhile, a young woman named Ashley returned to get her taxes done for a second year – a year after tax volunteer Carmen Phillips with Easter Seals Houston‘s Housing and Financial Literacy Program gave her a packet of financial education materials that taught her how to create a budget and track her expenses.

“After last year’s event we spoke a couple times via phone, but I did not hear from her again until she walked up to my table,” explained Phillips, who works for Easter Seals of Greater Houston. “She immediately recognized me and told us that because of that packet and our discussions in 2017, she worked hard all year sticking to her budget worksheets and tracking her spending – so much so that she was able to purchase her first home!

“I have to say I was both speechless and blown away by her sincerity and candor,” she said. “I was so pleased to learn that the brief education and information received through a Super Tax Day event could have such a profound effect on a client!”

Since 2011, Entergy has been sponsoring VITA sites in all five of its operating companies – Entergy Texas, Entergy Louisiana, Entergy New Orleans, Entergy Arkansas and Entergy Mississippi. Of more than 111,125 tax returns filed, customers have gotten back near $200 million in refunds.

In Texas alone, more than 8,200 tax returns have been filed, with customers getting back more than $11.5 million in refunds.

Pictured above: Entergy Texas President and CEO Sallie Rainer (left) visits with Senior Customer Service Specialist Paula Odom of Entergy Texas Public Affairs and Entergy customer Melissa Delgado.

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Happy Birthday! via Facebook!

$3,762…. That’s a nice chunk of change…For Easter Seals Greater Houston that means a child with a neurological disorder and a volunteer get to go to Camp Smiles, our overnight camp, on scholarship. It might be that child has never been to camp, and their parents couldn’t afford it. It might be that child has gotten to go before, but this year because of Harvey, money was just too tight. Whatever the case made be…  that gift means they do get to go; and I can guarantee that child’s and their buddy/volunteer’s lives will be forever changed for the better.

Or a child with a disability that needs therapy…insurance doesn’t cover it all or tough times have happened and a family has lost their insurance… you wouldn’t want to have to ever say…we can’t afford PT or speech for our child….we don’t have the money right now… That same chunk of change at Easter Seals…means they do receive therapy.

And we could list so many other life changing programs and services that thousands are able to take advantage of through Easter Seals because we have sponsors, donors, volunteers, staff, parents, clients, friends, friends’ of friends and more – who give back and allow us to continue in our mission.

So who donated the $3,762…. So many people we don’t even know and that have never met Easter Seals or our programs before, or who have watched from afar a friend’s child and some people who have benefited from our services or their child did.

How is that possible?….it’s birthday money from Facebook!.    You know the tune…”They say it’s your birthday…it’s my birthday to yeah!”  With the Facebook App…It really can be your birthday and our birthday too…YEAH!

And we think it’s amazing! When it first launched, we had people use it; and, yes they raised funds. This year, it has taken-off.   The $3762 is from 2018 – only 5 months and 10 birthdays.  So the next time you think, I really want to support “ABC” Charity (hopefully it’s Easter Seals Houston – wink) but I can’t because I don’t really have funds to donate and neither does anyone else I know.

Remember this, …WRONG. You can – and whether its’ your birthday or a drive or an event like our Walk With Me, you can do it. One dollar, five dollars, ten dollars at a time and it adds up to something life changing just like the $3762.   So give it a try on your next birthday and watch what happens!

We will give you an update in another 6 months to see what our birthdays have accomplished together!  Instructions – Login to your page on FB, click the fundraisers button on the left side of your page, click on the green button that says “raise money” for FB’s step by step instructions – its easy…try it!

Kelly Klein
Development Director
Easter Seals Greater Houston

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What the Snap?

Ethan, one of our Easter Seals Houston 2018 Summer Camp Interns, has been Denium’s counselor for the past two years. Before that, they had been in the same cabin. Over the three years, they built an amazing bond that helped both of them grow in a way that will forever be remembered. Sadly, camp does not last forever. At Camp Smiles, campers graduate when they are 14 years old. The graduation ceremony is always a very emotional time, as counselors who have been with their campers for years, give a speech to say farewell to some of the most impactful people in their lives. There is rarely a dry eye in the audience. Here is the speech Ethan gave to Denium as he was graduating:

You have been a part of my life I will never forget. From the countless catch phrases such as “ooooooh you got a girlfrieeeend” to nicknaming Pablo as Pappadeux, your humor is a gift that will be remembered by all.

This is our second year together. Imagining a camp experience without you is just strange to me. While your presence overall is unforgettable, there are some specific instances that are especially amazing. Two years ago, we had a very emotional day together. We were outside of the art barn, and I decided to sneak up on you and pop a wheelie as a joke. Little did I know, you were already in an irritable mood because of something that had just happened. As soon as I did that, you reached back and swatted at me. My popping a wheelie with you was the tip of your iceberg. You were very upset. We got back to the cabin and the other counselors and I insist that you apologize. After a while, our friend, Lee, took you to the bathroom so y’all could have a talk about it and calm down. What happened next is something that will never fail to make my heart melt. I remember you coming in, looking very sad. You came up to me and said something very softly, too softly to hear. I ask what you said. You took a moment to collect yourself. Then, you pulled me in as tight as you could and profusely apologized to me and told me how sad you were. Never in my life have I experienced such raw sincerity. While you were crying and apologizing, I began to cry as well as I realized how sincere and caring of a person you truly are.

After a couple of years with you, I’ve noticed some changes in your personality. For one, during your first year, you were completely repulsed by the idea of interacting with the icky icky girls. Now this year, you can’t stay away from them. You went from poking fun at Lee for having a girlfriend by saying “oooooh, you got a girlfriend” every time Sophie walked by. Now, you proudly announce to your whole cabin that you indeed do “have a girlfriend”.

On a more serious note, the change that I have been most proud to witness is how much more open you’ve been with your caring personality. Spending time with you has given me the unique opportunity to experience not only the hilariously wild side of you that I call “what the snap Denium” but also the sweet and tender side of you. The side of you that holds Jacoby with care. The side that is well beyond content while tickling and smiling at Niko. It has been very impactful on me and has made me so happy. I’m so proud that I got to see you interact with the little ones so well.  The way you interact with the little ones has made everyone who has been around you smile. The way you interact with Niko and Jacoby shows a new side of you that makes me so so proud. You are truly beyond your years with the way you patiently interact with these kids.

Camp has been a huge part of my life. I tell everyone I meet that there is nothing more I look forward to than this particular week. Every time I envision future camp experiences, I still picture you being a part of them. You’re an important part of this community we have and will be missed dearly.

I know that as you move on in life, you will continue to make others happy. Whether it be through your humor, or your humongous caring heart, you will make the lives of so many people much brighter. I hope that we keep in touch so that when I have kids one day, you can make them smile.

Ethan, Summer Camp Intern, Easter Seals Greater Houston

 

 

 

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