PATHWorks Newsletter: APRIL 2022
Success Story - Employment - Finances - Asset Building - Community Events - Housing Works Updates - Resources
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Congratulations Lisa B. New Homeowner!
Lisa was not new to the PATHWorks program. She had previously graduated from the program in May 2015 and was working full-time. Over the next few years, Lisa focused on raising her 2 boys as a single mom. In her words, she never felt like she could earn enough to release food stamps or housing assistance.
Lisa decided in October of 2018 to rejoin the PATHWorks program, as the program allows for, and set her sights on increasing her income and preparing for homeownership. This time around, Lisa was in a better position to focus on her finances and pursue a career. To improve her financial situation, Lisa started by getting her student loans in an Income-Based Repayment plan. She also created and followed a written budget that worked for her. She enrolled in an Individual Development Account matched savings program in August of 2019 and started saving for her down payment and closing costs for homeownership. Little did Lisa know, she had found a career path when she was recruited from her LinkedIn page to work for an Eagle Crest vacation rental company. When the COVID-19 Pandemic began, Lisa was laid off, but instead of waiting, Lisa found a similar position with Black Butte Ranch. At her annual performance review, Lisa decided she was worth more than the raise she was offered and took her skills and resume to Sunriver Resort where she was quickly hired, with a significant increase in pay.
Shortly after starting her new job, Lisa’s parents were thinking about selling their home, which intrigued Lisa. With her higher income and stability of working in a career she enjoyed, Lisa visited a mortgage broker to see what she could qualify for. Things looked good for Lisa, but her parents decided not to sell. Undeterred, Lisa worked with her real estate agent and found a 3-bedroom home in Redmond that she could qualify for instead of her parent's home. She put in an offer and it was accepted! She took ownership of her new home in October of 2021. Lisa not only got her finances on track, started a new career, increased her income and became a first-time homeowner, while on the program. Lisa accomplished her ultimate goal and released all of her assistance!
Lisa is a wonderful example of how you continue to grow over the years throughout your life and career. Good things happen if you can realize it may take longer than you want sometimes. The key is to enjoy what you have while you work toward a brighter future. Your efforts prepare you. Then when the opportunity is presented, you can act.
All the best Lisa!
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Is the PATHWorks program for you? Check out the Housing Works PATHWorks video to learn more.
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Positive Intelligence in the Workplace
Have you ever wondered why some people seem to go with the flow at work? They are generally happy and enthusiastic. They don’t get rattled and they have a high level of emotional control. These co-workers also tend to make you feel positive when you are around them. They seem to grow and advance in their careers quickly, and although they are not perfect, they stay resilient even when things aren’t going well.
There is a good chance these employees have a high level of Positive Intelligence (PQ). Positive Intelligence is based on Shirzad Chamine’s research, New York Times bestseller and Stanford lecturer. He has coached hundreds of corporate professionals to improve their PQ. The core of PQ is understanding your Judge and 9 Saboteurs that affect both your personal and professional performance. As described by Shirzad, “Saboteurs are the voices in your head that generate negative emotions in the way you handle life’s everyday challenges. They represent automated patterns in your mind for how to think, feel, and respond. They cause all of your stress, anxiety, self-doubt, frustration, restlessness, and unhappiness. They sabotage your performance, wellbeing, and relationships.”
It is a fun and eye-opening experience to find out and recognize where many of your thoughts and reactions come from. This information may benefit your professional career growth and personal relationships. Follow the links to see what you think!
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Save Money Using Library Services for Free
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VIDA Program Changes Beginning April 2022!
A Valley Individual Development Account (VIDA) is a matched savings account that enables families with limited financial resources to save and build assets. Participants build financial skills such as budgeting and saving while they save towards a defined goal. IDAs encourage savings by matching participant deposits, which are then invested in one of the following six assets when a saver makes their purchase with their savings and matched funds:
- Vehicle
- Retirement
- Home Repair
- Homeownership
- Small business start-up or expansion
- Post-secondary education or job training.
Housing Works offers the VIDA program to participants enrolled in the PATHWorks program only.
(If you are a PATHWorks participant and interested in getting on the waitlist for the VIDA program, please contact your PATHWorks coach. If you are a Housing Choice Voucher Holder and interested in joining PATHWorks, click here. NeighborImpact is the other organization in the Central Oregon area that offers IDA's. Click here for more information for NeighborImpact's IDA program. To find a provider in your area, click here.)
IDAs are about more than receiving match money. They are about building skills that will help individuals and their families work towards self-sufficiency and build assets. These skills are obtained through the completion of training focused on financial education, attaining and managing assets. Trainings focus on the specifics of each asset class, and provides a forum for participants to develop their skills as responsible vehicle owners, retirees, homeowners, entrepreneurs, and students.
Changes coming beginning April 2022!
5:1 match: Previously, this program only matched savings at 3:1 with a maximum matched amount up to $9,000. Starting with new enrollments in April 2022, savers will be matched 5:1 with the maximum matched amount up to $18,000 for homeowners and $15,000 for all other assets. For every $1 you save, you receive a match of $5. Match amount varies based on goal and is determined at time of application.
Examples of savings and matched amounts:
Fast Fund - save for 6 months or more (½+ years)
*Save $600 -> matched $3,000 = $3,600
*Save $900 -> matched $4,500 = $5,400
*Save $1,200 -> matched $6,000 = $7,200
Seasoned saver - save for 13 months or more (1+ years)
*Save $1,800 -> matched $9,000 = $10,800
*Save $2,400 -> matched $12,000 = $14,400
Bang for your Buck - 25 months or more (2+ years)
*Save $3,000 -> matched $15,000 = $18,000
Hold for Home Buying - 25 months or more (2+ years)
*Save $3,600 -> matched $18,000 = $21,600
Accelerated Match: Accelerated match refers to the amount of time it takes to earn the full amount of matching funds allowable by the Oregon Revised Statute each year. Since the beginning of the program, the maximum match has been $3,000 per 12-month period. Beginning in April 2022, savers can now be matched $6,000 per 12-month period.
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Cascadia Earthquake Preparedness: A New Tool for the Really Big Earthquake
Big earthquakes in Central Oregon and much of the Pacific Northwest are pretty rare. However, geologic history has shown that the Cascadia earthquake, aka “the Really Big One” has occurred about every 300 to 380 years. Since the last one occurred on January 26, 1700 (322 years ago) we know Oregonians need to be prepared. This is a scary disaster, but most people will be able to survive. If you are aware and prepared at least a little more than you are now, you can become more resilient to recover and rebuild more quickly.
The Oregon and Northern California coast will experience the most severe shaking as well as a very large tsunami that can extend north to Washington and British Columbia. All of Oregon will experience shaking that lasts about 5 to 7 minutes. There will be secondary disasters such as landslides, liquefaction (silty soil near waterways acts like beach sand), and possible flooding. This will result in lengthy power outages, blocked or damaged roadways, bridges, and utility disruptions.
In Central Oregon, officials are helping neighborhoods and communities prepare now. While stick-built houses should sway through the initial earthquake and aftershocks, unreinforced masonry buildings may not hold up as well. In both types of homes, windows could break and wall hangings could fall, both could result in injuries.
Power could be out for an extended amount of time as Bonneville Power Administration and other power sources check for possible damage. Officials will want to inspect and make sure power lines are safe to re-energize, too. All types of supplies including food, fuel and anything on regular delivery route – the supply chain – will need to wait for roads to be cleared or repaired. Even then, supplies will need to come from other regions for quite a while. It is a priority to get roads reopened. Many bridges on Highway 97 have already been seismically upgraded.
Building inspectors and engineers along with police, fire, medical, and public works personnel have developed mutual aid agreements to deploy to the heavily impacted areas to the west. FEMA has identified the Redmond area as a location to stage supplies needed in the recovery of the hard-hit areas of the coast and the western valleys. These activities will result in impacts to our local community. Local residents should try to be able to shelter-in-place and “be your own first responder” for at least two weeks, and up to four weeks. If that is not possible, try to get 24 to 48 hours of food and water on hand. Then, watch or listen for announcements from your local emergency manager for directions to additional supplies or shelter.
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Preparing for the Cascadia Subduction Zone Event, a free online learning system developed by Oregon State University Extension Service is now available in English and Spanish. You can find links to both along with other helpful tools at https://beav.es/cascadiaprepare.
These interactive sessions include checklists, videos, virtual reality experiences, explorations of the Home, Safe Home house and other helpful information. Participants can find out what to expect, and what to do during and immediately following the Cascadia earthquake. You can also check out expected tsunami flooding areas on the coast so you know what to do if you’re visiting the Oregon Coast. Discover things you can do now to prepare yourself, your family and your neighborhood physically, mentally and emotionally. Most people will survive and we can speed up recovery by preparing and planning ahead.
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New Affordable Housing Coming to Prineville
Housing Works is developing 44 units of workforce housing on 4.42 acres off Peters Road, in Prineville, OR, adjacent to a 500 acre city park with over 9 miles of trails.
Barnes Butte Vista, aptly named for its proximity to Barnes Butte Trail, will consist of 9 buildings with spacious two- and three-bedroom townhomes. The units are nicely equipped with modern conveniences such as a dishwasher, washer and dryer, and air conditioning. The buildings are designed with long-term sustainability using integrated solutions for energy efficiency, health, and comfort for the residents. Features such as energy star appliances, packaged terminal heat pump, and LED lighting will save residents money on their power bill.
The anticipated construction completion date for the first building is May, 2022. As an affordable property, income restrictions will apply, and rents will be substantially below market rate. If you or someone you know is interested in living in this new community, please watch the following websites, www.housing-works.org and https://epicopenings.net for information about waiting list opening dates, eligibility and the application process.
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2022 Housing Choice Voucher Program Waiting List Results
Housing Works received a total of 2,162 online applications for the Housing Choice Voucher (HCV) program Waiting List from January 10–14, 2022. Out of those applications, 1,763 were received from local residents living in Crook, Deschutes and Jefferson Counties.
Current Applicants
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Click HERE to check your position on the waiting list.
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If your address, phone number, income and/or household composition changes, please update your information by clicking HERE.
- If you are selected off the waiting list for the HCV program, Housing Works will contact you directly.
Technical Assistance
- The email address used at registration is your login. You must have a valid email address in order to access your application.
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If you forgot your password, please select the “Forgot Password” option and follow the instructions.
- Keep your login and password somewhere safe and secure.
If you need additional assistance, call Housing Works at 541-923-1018.
The 2022 HCV Waiting List will remain active until December 31, 2022. At that time, all remaining 2022 applications will be removed from the waiting list. If your application was not selected, you may reapply next year.
We would like to thank all our community partners for making the 2022 Waiting List opening week a success. Without all your hard work, we would not be able to serve our communities. Thank you!
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WELCOME NEW EMPLOYEES AT HOUSING WORKS
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Welcome, Geri Peterson, Housing Specialist
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Housing Works would like to introduce and welcome Geri Peterson as one of our newest Housing Specialists!
Geri moved to Central Oregon in 2008 from Pendleton, Oregon shortly after meeting her husband. They got married in 2016 and have 4 sons between the two of them. Geri and her husband are expecting their first grandchild in July! Her hobbies include camping, hunting, fishing, and riding 4-wheelers with her family. She also enjoys working in her yard and relaxing watching Hallmark movies. Geri has 22 years of combined customer service experience in personal banking, central billing, and client relations. She is passionate about helping others and said she is very excited about being part of the Housing Works Team!
Geri's contact information:
Phone #: 541-323-2975
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Welcome, Genesis Santana, Housing Specialist
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Housing Works welcomes another new Housing Specialist, Genesis Santana. Genesis joins the HCV team after working as Housing Works' Office Assistant for the past year.
Genesis was born in New York and is a first-generation Latina American whose parents immigrated from Mexico. She was raised in Bend and attended Mountain View High School where she graduated with honors and a Seal of Biliteracy. During her four years of high school, Genesis was a member of the swim team which led to a lifelong passion and hobby. This helped Genesis land her first job to help the Latino community as a Bilingual Swim Instructor.
Once she graduated high school, she wanted to help where there was a higher need. Genesis traveled to Colombia and Bolivia and helped with community service. This trip brought out the joy Genesis felt helping people and the community.
Genesis is recently married and looking forward to more adventures that come along the way. Her personal goal is to help as many people as she can in the housing industry as a Housing Specialist in this community that she has grown up in and loves.
Welcome to the team Geri and Genesis!
Genesis' contact information:
Phone #: 541-323-7408
Ella habla español!
For a complete contact list of Housing Works' employees, click here.
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