Tag Archives: United Way

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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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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Harvey Recovery Thank Yous!

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Transition Success and Walmart Employee of the Month!

Our Easter Seals Greater Houston Transition team met Paul and his mother last June  as a Hogg Foundation for Mental Health Transition Age Youth Project of Easter Seals Greater Houston/DARS client.  Thanks to the Hogg Foundation, this project offers services and support for persons, ages 16 – 27, who have are on the spectrum and have a co-occurring mental illness and is designed to help youth become more independent and successful in their communities. The many facets of the program include social skills training, supported employment, summer internships, college classes at the Houston Community College VAST Academy, BCBA Services, peer supports, referral assistance, financial coaching, on-line driver’s Education and access to our mobile technology program.

Paul had just graduated from Sam Rayburn High School in Pasadena, Texas. His only work history was as a volunteer through a high school program with a couple of companies in the Pasadena area.  Paul and his parents wanted him to find a part-time job with a number of specific permanents such as close to home, after 4:00 pm and Monday thru Friday.  Together, Paul and his transition counselor, Robert Aranda, created a resume reflecting his volunteer experience and a reference list of his former supervisors.  They met to complete on-line applications, practiced mock interviews and reviewed social skills for interviewing techniques. Paul interviewed with companies through Summer and Fall.

In December, Wal-Mart called Paul in for an interview.  His Transition Counselor says he is a very likable and responsible individual and that he really wants to show his parents that he is able to expand his learning curve and become more independent.  Paul’s interview at Wal-Mart was a hit with the Human Resources Department and he was hired this past December as a Cart Attendant.  Wal-Mart was very accommodating with assisting Paul with the work schedule he needed.  Within two months, Paul’s supervisors noted his work great ethic, enthusiasm and customer service.  Paul was selected Employee of the Month for February!!

Robert Aranda, Transition Specialist, Easter Seals Greater Houston
RAranda@eastersealshouston.org

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Making The First Five Count Through Early Intervention Services

Ella:

Ella has been enrolled in the Easter Seals Greater Houston ECI/Infant Program for about 6 months. Per one of the therapists on her Infant Program team –  visits started with tantrums, then evolved into stoic silence. Mom swore she said about 10-15 words, but the team never heard them the first month or so. Now, this lovely chatter box has a vocabulary that is growing every day. Ella is combining words to make 2-4 word sentences on her own, and parrots everything she hears. She is able to sit and attend to learning and play activities for 30+ minutes without getting distracted, and has some of the most creative pretend play we have seen.

 Mica:

We have been utilizing the services of the ECI/Infant Program at Easter Seals of Greater Houston over the past year for our son Mica, who was diagnosed at birth with Trisomy 21.   Mica’s progress has been wonderful so far, thanks to the team of dedicated therapists at Easter Seals.  Mica’s physical therapist Charisse as well as his nutritionist Thein have been instrumental in his growth and development.  His occupational therapist Christy as well as speech his therapist Bridget are working on improving his skills. My wife and I are very pleased with the team’s dedicated and professional approach in dealing with Mica.  For anyone with a child with a disability in the Houston area, we highly recommend the ECI/Infant Program Easter Seals as they do a wonderful job.

 The Dawkins Family:

“Thanks to Easter Seals Greater Houston’s ECI Program and wonderful staff our son, Cavani, went from no communication at all, to using words and sign language to express his needs to us. Easter Seal’s knowledgeable therapists helped our child, and our family, transition from in home therapy to a public school that meet our child’s needs. We truly can not say enough good things about Easter Seals and their ECI/Infant Therapy Program.”
– The Dawkins Family

WHAT IS ECI – EARLY CHILDHOOD INTERVENTION AND WHY IS IT NECESSARY?

WHAT IS MAKE THE FIRST FIVE COUNT AND HOW CAN IT HELP YOUR CHILD?

WHAT IS THE ASQ (AGES AND STAGES QUESTIONNAIRE) AND HOW CAN IT HELP?

Want more info? Info@eastersealshouston.org

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