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5 Fall Savings Tips

October 21st, 2014

Fall image

Most Americans spend 30-40% more than they intended to spend during the Holidays, and spend the first six months of the New Year paying off debt. Here’s some great tips to consider from our Financial Fitness team to have a stress-free holiday season…

1. Plan ahead.

Set up a holiday savings and spending plan and stick to it! Get the Holiday Savings & Spending plan

Experts recommend trying to spending less than 1.5% of your income on the holidays*. So for example, if you make $40,000 a year, it is suggested to save about $600 for the holidays. Whether you spend more of less than this amount, deciding early how much you want to spend is always a good idea to avoid overspending and stress.

*Source: Practical Money Skills

2. Budget your time (and money).

Compare prices and give yourself enough time to shop around for the best deals. Sometimes it’s the last-minute gifts that can send us over our spending limits. Shopping early will usually help you get the best deals and give you enough time to find coupons or sales for the item. Here’s some helpful website and apps that can help you save more money:

  • Coupon Mom: CouponMom (not just for moms!) is a website that provides weekly shopping advice to you and more than 3 million members and shows you how to combine coupons, loyalty programs and weekly sales in your area to maximize your savings.
  • Retailmenot.com: Get online coupon codes that can help you get free shipping or big discounts on your next online purchase.
  • GasBuddy.com: When you’re shopping around or traveling, it’s important to find the best places to fill up in your area.  Also check out their fuel-saving tips, maps, and pricing info! Available as a mobile phone app.
  • The Coupons App (iPhone, Android)
  • CouponSherpa (iPhone, Android)
  • GeoQpons (iPhone, Android, Blackberry)

3. Get creative.

Consider a gift exchange with family and friends or a potluck to share on costs. You can even try making your own gifts this year. Pinterest is full of great homemade, DIY gift tutorials. Check out our Pinterest page for a few ideas!

4. Pay in full or pay it off.

The holidays are a time of giving and it can be very easy to overspend. Use your Savings & Spending plan to decide what you can afford to spend and try to pay it in full or in “cash” whenever possible. If using your credit card during the holidays, try to pay the credit bill in full or you may be dealing with debt in the new year.

5. Stick to the plan.

Think about your financial goals – are you hoping to one day buy your first home or are you trying to save for college? Don’t let unexpected costs creep up and hinder your savings goals. Remember that it’s really the time you share with family and friends during the holidays that means the most – not the gifts or parties.

Interested in learning more savings and financial tips? Consider taking CHW’s Financial Fitness class. Or if you’re ready to take the next step toward your financial goals, learn more about our coaching program. 

Solar means extra savings for working families

September 23rd, 2014

Clara Esparza, a single mother of three, is saving about $400 a year thanks to the new solar power on her home. Together, residents at Park View Terrace Apartments in Poway are saving on average 60% on electricity costs, amounting to nearly $25,000 per year in savings across 92 apartments. As San Diego’s utilities increase, on average, at 6 percent or more each year, these savings are especially important.

Clara is thankful for what the extra savings means for her family. “With the money I’m saving on electricity, I have a little extra room in my budget to do things for my kids that I couldn’t afford to do before.”

As part of our commitment to sustainability, CHW has already installed over a full megawatt of power at 11 apartment communities and are currently working to install new solar systems at 22 additional affordable rental communities, lowering utility costs for hundreds of working families. A large portion of the savings will go to lowering utility costs for 1,100 lower income working families, seniors, veterans and people with disabilities living on fixed incomes. Did you read about our mention in a White House press release as a key part of achieving President Obama’s solar energy goals?

Our commitment to sustainability runs deep,” says Anne Wilson, senior vice president of housing and real estate development at CHW. “We hold the distinction of developing SOLARA, the first apartment community in the California to be fully powered by the sun.”

In addition to the work on solar photovoltaic, CHW has installed domestic solar hot water systems at 11 communities. These systems are offsetting over 56,000 therms each year, and serve 716 residential homes, reducing total therm consumption by an average of 46%. Ever ready to blaze the trail of new technology in apartment communities, CHW also recently installed a first-of-its-kind in the US Geothermal system at Avocado Court Apartments that is truly unique in its shallow, air circulated design. This unique system eliminated the need for air conditioning in the community space, greatly reducing the total energy consumption of the building.

Sustainability, however, is more than just about renewable resources. Reducing building consumption is a vital component to creating energy efficient buildings. CHW recently rehabilitated three buildings, totaling more than 200 units in its portfolio, with an average age of 41. As a result of these major rehabilitations, these properties reduced energy consumption by an average of 25%, not inclusive any solar electric installations that were completed. This reduced consumption meant that CHW could then install solar pv  and need much smaller systems since total energy consumption was already reduced, due to energy efficient lighting, building envelope improvements, and high efficiency building systems. An additional 200 units have gone through unit by unit weatherization, reducing heat loss and improving efficiency.

Energy efficiency is engrained in the nature of life and work at CHW communities, with maintenance staff trained on sustainability, and incorporating green, healthy and sustainable practices into all the ongoing maintenance at every property. From major solar installations to a commitment to only purchasing Energy Star appliances is a way of life at CHW and its communities.

Ready for Kinder!

September 17th, 2014

Kids

Ready for Kinder!

“By the time she turns three years old, a child born into a low-income home hears 30 million fewer words than a child from a well-off family, which means by the times she starts school, she’s already behind.”
President Barak Obama, December 4, 2013 speech

When a child starts school for the first time, it is the best moment to capture their attention and help them love reading. Now in its second year, Community HousingWorks (CHW)’s Ready for Kinder program starts 80 to over 130 economically-disadvantaged kindergarteners each year on the path to school success. At Ready for Kinder, we connect families and children to our Learning Centers and our Running Readers program, which can support the children in reading through the third grade, a critical year for children to attain grade level reading proficiency for continued success through middle school, high school, and beyond.

As President Obama notes above, economically disadvantaged children may start school with a significant learning gap. To help close this gap, we invite every family with a child entering kindergarten living in our apartment home communities for families of limited means to come to one of our 17 community Learning Centers and learn about the importance of reading and how to prepare for school.

We give the parents a 10 page Kindergarten Reading Readiness Parent Toolkit, which includes tips for how to help their child get ready for the first day of kindergarten, as well as short activities for a different learning subject for each day of the week that parents can do with their kindergartener to help them learn. We link the parents to important community resources. Most exciting for the children, we give each kindergartener a new backpack, stuffed with all the supplies needed to get a good start at school—a pencil box, pencils, erasers, crayons, scissors, a journal, phonics and sight word flashcards, math activities—as well as their own bilingual book.

At Ready for Kinder, we also tell the parents about our Learning Centers and Running Reader program—a free afterschool reading program that can provide small-group coaching sessions twice a week for their Kindergarteners through the third grade to help them read at grade level.

Through Ready for Kinder, CHW gives each economically disadvantaged kindergartener in our affordable apartment home communities a strong start and support toward a love of reading and a lifetime of achievement and success.

Learn more about volunteer opportunities to support our after-school programs

Haja’s Story

August 27th, 2014

Haja family“If I could change something about the world, I would make sure every person had the opportunity to get an education.”

The importance of education is what Haja Turay remembers most about her sister Mamie. Haja is the youngest of ten girls from Sierra Leone. Her eldest sister Mamie raised her and her sisters, working two jobs and sacrificing everything she had so that her sisters could get an education. With the death of Mamie and the violence of civil war, Haja was unsure if she could reach the future Mamie had wanted for her.

Fast forward to 2014. Haja, now a wife and mother of five, is a CHW Valor Scholar, a volunteer in the Learning Center, and will be attending SDSU in the fall. With a passion for helping people, Haja will be working towards a degree in social work.

Haja volunteers at the Kalos Learning Center, where her kids can go and get the support they need to be successful. “I want to make sure that my own children understand how lucky they are and for them to take advantage of all the opportunities they have in this country. The Learning Center at Kalos is a place I can go and work and feel satisfied that I’m helping with the education of children.”

Congratulations to Haja for all of her accomplishments. Thank you to our supporters and volunteers that make the VALOR scholarship and our Learning Center programs possible.

National CORE & CHW break ground on Mission Cove community, Oceanside

August 7th, 2014
Missioncove

Mission Cove Rendering

National Community Renaissance (CORE) and Community HousingWorks (CHW) celebrated the groundbreaking of the highly anticipated Mission Cove affordable housing community for families, seniors, veterans and transitional age youth.

The Mission Cove Affordable Housing Mixed-Use Development will generate over 300 jobs during the full construction period and build out. Additionally, over 90 fulltime on and off-site jobs will be created by this 288 apartment home development with 10,400 sq.ft. of retail. Approximately $5.4M over the total development period will be paid to the City and school districts. Over $25M in local income, taxes and other revenue will be produced during development construction build out. Over $7M in local income, taxes and other revenue will occur annually after lease-up.

“Not only will Mission Cove provide quality affordable housing for families, seniors, returning and aging veterans, and transitional age youth, it will give a boost to the local economy during construction and after lease-up of the apartment homes,” said Margery Pierce, Neighborhood Services Director for the City of Oceanside.

The first phase will consist of site preparation of the 14.5 acre city-owned land including on and off-site infrastructure.. The second phase, to be developed and owned by NationalCORE, will be 90 apartment homes for families, veterans, transitional age youth and seniors along with 10,400 sqft of retail space and the Kay Parker Family Resource Center. The third phase, to be developed and owned by CHW, will be 138 apartments for seniors and veterans, including adult day care, senior resident services facilities, and a resident organic garden. The final phase, to be developed and owned by CORE, will include 60 homes for families, seniors and veterans. The master plan for the community includes universal design, and energy and water sustainability.

CORE and CHW have worked closely with the city of Oceanside to design and fulfill the City Council approved Vision Plan.

John Seymour, Vice-President of National CORE, said Mission Cove is in keeping with the nonprofit developer’s mission to transform lives and communities.

“We’re proud of our partnership with the City of Oceanside and CHW in being able to fulfill the city’s vision to create a viable, mixed-use affordable housing development that is an asset to the community,” Seymour said.

“CHW and our partner, CORE, commend the city’s leadership in addressing the need for affordable homes by North County families and individuals of all ages. The city’s investment in this intergenerational master plan community will leverage more than $75 million from other sources – creating jobs and investment within Oceanside. This is truly a sustainable community in every sense of the word”, said Sue Reynolds, President and CEO of Community HousingWorks.

GROUNDBREAKING CEREMONY
WHEN: Tuesday, August 12, 10-11 a.m.
WHERE: Corner of Mission Avenue and Roymar Road, Oceanside.
(Please use the area south of Mission Avenue near Roymar Road for parking)
Refreshments will be served

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ABOUT NATIONAL CORE
CORE

National Community Renaissance is one of the largest nonprofit developers of affordable housing, with nearly 9,000 units across four states. Over its 22-year history, CORE has received national recognition for its innovation and meshing of quality, affordable housing with transformational social services through its Hope through Housing subsidiary. For more on CORE, please visit www.nationalcore.org.

ABOUT COMMUNITY HOUSINGWORKS

CHW-Logo-Final
Founded in 1982, Community HousingWorks (CHW) is a nationally-recognized 501 (c)(3) non-profit organization that helps people and communities move up in the world through opportunities to own, rent, and achieve. CHW has a successful 30-year history developing multi-family, affordable rental apartments and rehabilitating single-family homes for resale in urban, suburban and rural communities in Southern California. We have developed close to 1,700 apartments in 31 communities. CHW’s apartment homes are designed to be healthy and vibrant communities that improve their neighborhoods, offering residents an array of programs to help them move up. Through our comprehensive programs, we proudly serve more than 8,000 children and adults each year. CHW is San Diego County’s only member of the national NeighborWorks Network® and an award-winning affiliate of the National Council of La Raza.

CONTACT:

John Seymour, Vice President, National Community Renaissance
(619) 223-9222, jseymour@nationalcore.org
Anne B. Wilson, Sr. Vice President, Community HousingWorks
(619) 450-8709, awilson@chworks.org

Love it or Leave it?

July 24th, 2014

Your Home Sweet Home…LOVE it or LEAVE it?

Your home is your #1 investment. Make the most of it!

remodelLOVE it!

You love your home and want to stay put, but you may have some options for lowering your payment or increasing your equity:

  • Eliminate mortgage insurance when using the Community Reinvestment Act (CRA) Loan in certain Census Tracks in San Diego County. This 5% down payment loan requires NO mortgage Insurance! If you have a FHA or conventional mortgage and made less than a 20% down payment, you probably pay mortgage insurance every month.
  • Refinance your current mortgage into a lower interest rate. Call today to find out what net tangible benefit you may have if you refinance your mortgage. Rates are incredibly low.
  • Remodel or upgrade your home to increase its value. Kitchen and bathroom remodels return dollar for dollar or more on your investment, but adding a pool or other elaborate hard-scape may not increase your home’s overall value at all.

home saleLEAVE it!

You’re ready to move up or move on. Use the equity in your home to:

  • Buy a Bigger, Better Home! Turn the equity in your home into the down payment on your next home- Need more bedrooms? A bigger back yard? A shorter commute? Better school district? Contact CHW Realty today to see how far the equity in your current home can go!
  • Keep your current home as an investment by turning it into a rental property, then use the rental income to help qualify for a mortgage on your next home!
  • Leverage the equity in your home to buy into more than one property.

Want to know how much your home is worth?

Contact CHW Realty today for a FREE Market Analysis of your home’s value! Call us at 619-858-3521.

As a non-profit real estate brokerage, income earned is reinvested into community programs like after-school tutoring, financial literacy, and neighborhood revitalization.

Cal BRE# 01791343

Categories: Newsletters, Realty

CHW is Key Player in Achievement of Obama’s Affordable Housing Solar Energy Goal

May 9th, 2014
CHW Parkview Terrace Aerial solar panels

Parkview Terrace, an affordable rental community developed by CHW in Poway, California. Solar panels from Everyday Energy.

CHW and Everyday Energy will add 3.5 megawatts of on site solar across a total of 22 sites

SAN DIEGO – May 9, 2014 – In an announcement released this morning by the White House in advance of President Barack Obama’s appearance at a renewable energy event in California, Community HousingWorks (CHW) was cited as a key player in achieving the Obama Administration’s goal of providing 100 megawatts for publicly supported housing by 2020.

CHW, a San Diego-based, nonprofit affordable housing developer, is on its way to producing 3.5 megawatts of solar power in its affordable rental communities. Working with their solar energy partner, Everyday Energy, the nation’s leader in financing, designing and installing solar systems for multifamily affordable housing communities, CHW has already installed over a full megawatt of power through photovoltaic and has also installed domestic solar hot water solar systems in 11 apartment communities throughout San Diego County.

This innovative developer is currently working to install new solar systems at 22 additional affordable rental communities. A large portion of the savings will go to lowering utility costs for 1,100 lower income working families, seniors, veterans and people with disabilities living on fixed incomes. As San Diego’s utilities increase, on average, at 6 percent or more each year, these savings are especially important.

“The multifamily affordable housing segment continues to be the most promising market in the United States for solar power,” said Scott Sarem, chief executive officer, Everyday Energy. “In California, we’ve found that when compared to single family affordable housing, multifamily solar projects not only reduce energy costs for a significantly higher number of people, but have greater scalability resulting in much lower acquisition cost than single family solar programs.”

“Our commitment to sustainability runs deep,” says Anne Wilson, senior vice president of housing and real estate development, CHW. “We hold the distinction of developing SOLARA, the first apartment community in the California to be fully powered by the sun. Everyday Energy’s in-depth understanding of affordable housing has made these solar installations feasible both for new construction properties and those in operation.”

The reduction to carbon footprint from these efforts is calculated at an average of 43 percent lower emissions. The 11 CHW communities with domestic solar hot water systems offset more than 56,000 therms each year, supplying hot water to 716 residential units, reducing total therm consumption by an average of 46 percent. This is the equivalent to planting more than 7,000 trees, or eliminating 25,360,000 miles driven by cars. CHW recently installed a shallow, air-driven geothermal system in its Escondido, California property, Avocado Court, home to families and formerly homeless, disabled veterans. This unique system, which is the first of its kind in the United States, eliminates the need for air conditioning in the community space, greatly reducing the total energy consumption of the building.

 

About Community HousingWorks

Founded in 1982, Community HousingWorks (CHW) is a nationally-recognized 501 (c)(3) non-profit organization that helps people and communities move up in the world through opportunities to own, rent, and achieve. CHW has a successful 30-year history developing multi-family, affordable rental apartments and rehabilitating single-family homes for resale in urban, suburban and rural communities in Southern California. We have developed close to 1,700 apartments in 31 communities. CHW’s apartment homes are designed to be healthy and vibrant communities that improve their neighborhoods, offering residents an array of programs to help them move up. Through our comprehensive programs, we proudly serve more than 8,000 children and adults each year. CHW is San Diego County’s only member of the national NeighborWorks Network® and an award-winning affiliate of the National Council of La Raza. Learn more at www.chworks.org.

 

About Everyday Energy

Everyday Energy finances, designs and installs solar energy systems for multifamily affordable housing and trains and hires veterans and affordable housing residents to help them begin careers in solar energy. Everyday Energy creates financial scenarios that allow customers to install solar at little to no out of pocket expense. Headquartered in Carlsbad, CA, Everyday Energy is responsible for creating over six megawatts of solar energy throughout the state. For more information, visit www.EverydayEnergy.us or call 760-607-7200.

PHOTO CREDIT: Courtesy: Community HousingWorks.

Download the high-res photo using this link. No password required: https://www.yousendit.com/download/ZUcwb24rZ2pubHlFTmNUQw.

Fact Sheet from President Obama Announces Commitments and Executive Actions to Advance Solar Deployment and Energy Efficiency (Community HousingWorks is listed under “Private and Public Sector Commitments”)

For more information, please contact us.

CHW Receives Top Honors from U.S. Green Building Council

May 7th, 2014

usgbc

The U.S.G.B.C LEED for Homes Awards recognizes projects, developers and homebuilders that have demonstrated outstanding leadership in residential green building.

Kalos provides 83 vibrant new affordable workforce homes in a smart growth/sustainable setting. The LEED Platinum midrise development sensitively added density and locked in long-term affordability in a built-out, rapidly gentrifying neighborhood. The LEED elements exceed local and national standards in energy efficiency and green construction values, with more than 50 percent reductions in water, more than 70 percent reduction in gas and electrical use, along with car sharing and electric car charging stations. On-site tenant education spreads awareness of a healthy and sustainable lifestyle through smoke-free operations, recycling programs and promotion of alternative transportation.

“We’re glad that our partners at U.S.G.B.C. and the Home Depot provided a grant to offset the extra documentation cost of the LEED program, and are proud to be recognized nationally for the groundbreaking work CHW has been doing for years in the field of sustainability,” says Anne Wilson, senior vice president, housing & real estate development, CHW. “With rebates and incentives, every green system or material we installed pays off in less than 10 years,” said Sylvia Martinez, senior project manager, CHW.

For a complete list of winners, visit the U.S.G.B.C. website.

Learn more about Kalos.

alley view

 

 

 

 

 

Fresh Ways to Support CHW

April 15th, 2014

Fresh Ways To Support CHW

Check out our newest community partners. We are teaming up to make it easier than ever to contribute to the cause!

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Ralphs Grocery

If you shop at Ralph’s grocery store, you can now register your rewards card online and link your account to Community HousingWorks. This will not only save you money at the checkout, but a portion of the proceeds will go directly to CHW’s community programs.

Register your club card today!

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Stone Brewery

Support CHW’s mission and have fun at the same time! Stone Brewing Co. has named CHW its charity focus for April, May and June. When you and your friends take a tour of their brewery in Escondido, $1 of the $3 charge will come back to CHW and the community.

Take a tour 

Categories: News Stories, Newsletters

Join us for the North Santa Fe Groundbreaking

April 10th, 2014

N Santa Fe photo

Join Community HousingWorks at the Groundbreaking for North Santa Fe Apartments

This transit-oriented development is located opposite the SPRINTER train and bus station, in the downtown district of the City of Vista. The 68 affordable apartments include ten for Transition-Aged Youth in partnership with North County Lifeline.

Learn more about the North Santa Fe Apartments Development

 

April 23 | 10:30 AM – 12:00 PM

301 North Santa Fe Avenue

Vista, CA 92084

VIEW MAP

 

Please RSVP to events@chworks.org

Please park at the lot at the corner of North Santa Fe Avenue and Vista Village Drive. This is a construction site – please wear flat, sturdy shoes.

 

DEVELOPMENT TEAM:

Sun Country Builders

Rodriguez Associates Architects & Planners, Inc.

Excel Engineering

 

FUNDING PROVIDED BY: