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Monday, August 22, 2016

Five Ways Gardening Feeds the Soul

This blogpost was first published on NeighborWorks' site: nw.org


Five ways gardening feeds the soul


Pam Bailey, NeighborWorks blogger | 8/18/2016 11:40:23 PM


Communal gardens have become a fixture of neighborhood revitalization and community-building programs. Whether it be individual plots in one garden or one big lot that residents cultivate together, there is a growing escalation of a phenomenon with deep roots in American history, culture—and psyche.

Statistics are hard to come by, but a report by the National Gardening Association found that the number of households participating in a community garden grew by 2 million between 2008 and 2013. Leading the swell are millennials, particularly in our nation’s urban areas.  Stats like that, along with news of hipsters flooding to bankrupt Detroit to start urban farms, can make it seem like community gardens are a recent fad driven by the foodie/locavore movements. However, not only does community gardening and urban farming pre-date the coining of the word “hipster,” but they also have so much more meaning and impact than community building and local food production—although those are significant benefits.
The glory of gardening: hands in the dirt, head in the sun, heart with nature. To nurture a garden is to feed not just on the body, but the soul. – English poet Alfred Austin
“When talking to ‘red zone’ [crisis or disaster] survivors—whether they be war refugees beginning a new life in Dearborn, Michigan; residents of New Orleans’ 9thWard after Hurricane Katrina; or homeowners struggling to hang on in a largely vacated Detroit—we often hear stories about how the act of planting has been critical to emotional survival and to engendering hope for the future,” writes Keith Tidball and Marianne Krasny in “Greening in the Red Zone: Disaster, Resilience and Community Greening."

In fact, argue the two researchers, this attraction to nature and particularly to the act of planting is biologically hardwired. “Biophilia” is the term coined to describe the “innate human predisposition to affiliate with, or to seek out, nature. “Urgent biophilia” kicks in once war, hurricane or other crisis induces a feeling of intense threat or loss. Gardening or otherwise actively communing with nature renews the emotional affiliation with other living organisms, paving the way for both individuals and communities to recover and regenerate, say Tidball and Kasny.

Here are a few of the many ways that catering to biophilia through community gardening can benefit both residents and their neighborhoods, as explored in a recent webinar sponsored by NeighborWorks America’s green program (plus one I added):

Emigration and intercultural connection

One of the most stressful experiences an individual or family can experience is becoming a refugee or other type of migrant. Displaced from the familiarity of their homeland, often as the result of traumatic forces such as war or persecution, they have multiple needs that community gardening can help fulfill.

“Most refugees have experienced a profound loss of control over their lives,” comments Katie Painter, program coordinator for Global Gardens, which works in Boise, Idaho, to help them cultivate the food they remember from their homelands, engage with the broader community and support themselves by becoming entrepreneurs. “Many also come from agrarian environments. It’s comforting to do something familiar, and it also draws them out of the perceived safety of their homes to mix with others. Gardening is an act that creates a feeling of empowerment and transcends languages.”

Global Gardens currently runs nine community gardens hosted by nonprofit partners, including NeighborWorks Boise, on land they own.


Youth engagement

Gardening is often an interest that must be deliberately cultivated among youth in urban, high-crime neighborhoods. But once they are both given the opportunity and shown the appeal, it can be transformative.

One example is a unique program in the hard-scrabble eastern side of Cleveland, Ohio, that uses hip hop to attract youth to neighborhood engagement—and has found gardening to be ideal companion activity.

The program is called Fresh Camp, explains Dee Jay Doc Harrill, a hip hop artist himself. The camp name comes from the hip hop meaning for the word “fresh”: unique, original, cool.

“Hip hop is a favorite music genre among teens, especially in the inner city,” he explains. “We use something that already attracts them to draw them into other activities in their neighborhood they don’t know they’d like.”

About five years ago, Herill recalls, the group took a walk through their neighborhood looking for what was “fresh” around them. And one thing they noticed was the growing number of community gardens in the midst of what had been a food desert, often in previously littered, vacant lots. So, Doc reached out to the volunteers who run Ashbury Sprouts, supported by NeighborWorks member Famicos Foundation. They were given nine beds to garden, and at least one of the youth chose it as his favorite activity that summer.

“They would not have signed up for gardening camp,” Herill notes. “But then they discovered how awesome a really fresh tomato tastes, and that they can fulfill some of their needs on their own, without relying on a system in which they have no faith. That they can produce their own food without depending on anyone else.”


Food justice/healthy living

A 2010 study by the Denver Urban Gardens found that more than half of community gardeners satisfy the national guidelines for fruit and vegetable consumption, compared to a quarter of non-gardeners. In addition, 95 percent of community gardeners give others some of the produce they grow to friends, family or people in need (60 percent specifically to food-assistance programs).

One focus of the Greening of Detroit is to help residents develop a healthy relationship with food through self-sufficient production and greater awareness of nutrition. Seasonal produce is grown in four hoop-house tunnels year-round. In 2015, 15,046 pounds of produce was harvested and of that, 7,315 pounds were donated to community organizations. In addition, classes on everything from “Grilling Your Vegetables,” to “Wild Edibles,” to “Preserve, Pickle and Freeze” are offered.

However, the health benefits of community gardening may extend beyond the food itself. In their provocative “Greening in the Red Zone” book, the authors share the results of large, longitudinal studies of people aged 60 and older that have demonstrated a significant association between gardening and reduced risk of dementia.


Resilience in the face of crisis

Tidball and Krasny dcument studies showing that community gardens lead to more neighbor-to-neighbor assistance in times of general need. Likewise, survey research shows that in low-income neighborhoods, community gardens are associated with an increase in organizing around other neighborhood issues, such as crime prevention.

“We believe that creating an extensive network of community gardens prior to disasters would bolster the capacity for resilience before it is acutely needed,” they conclude.


Community building

“Grow a garden, grow a community” is the motto for Feedom Freedom, a group of independent growers in Detroit. (And no, that’s not a typo! When the logo for the group was designed, a vine displaced the “r” by mistake – and the quirky name became permanent.)

Myrtle Thompson-Curtis, who visited the August community building and engagement meeting for NeighborWorks America, explains how the group got started:

“Before we were married, my husband and I both moved into the lower east side of Detroit [from other neighborhoods]. We talked about how to integrate into the community, get to know who else was there, do something to be good neighbors. There were a lot of vacant lots, and Wayne [her future husband] had both a long history of activism and a lot of friends doing gardening work. It seemed right.”

Today, they have six lots and five paid staff members, made possible in part by participation in a U.S. Department of Agriculture grant to offer children’s programming. They have a regular flow of volunteers, and have—as hoped—gotten to know everyone in the area, right down to all the inquisitive children and the “lady who sweeps the streets every morning, on her own initiative.”

“We have expanded from urban food production to education about art, foreclosure prevention and the water crisis in the area. When someone has a personal crisis, we’re a resource as well,” she smiles. “This has become a safe space, a transformative space.”  

Tuesday, August 9, 2016

NHS of New Haven to be featured in a NeighborWorks Book!


NeighborWorks America has officially announced the network organizations that will be featured in the upcoming NeighborWorks Book to be published December 2016.

AND....
Neighborhood Housing Services of New Haven will be featured in the book!

The book will consist of case studies of the outstanding work being done in community development, as well as innovative solutions in affordable housing.  The strength of the NeighborWorks network; our experience and peer to peer resources, allow us to not only leverage our expertise but together build an elite solution-based platform to improve lives and strengthen communities to overcome even the toughest of challenges.  

We are proud to not only be participating in this project but also to be a chartered member of the NeighborWorks network. 

Mark your calendars for Dec. 2016 for the book launch and stay tuned for more exciting events to come.  Feel free to share the news on social media channels using #OurNWBook

Monday, August 1, 2016

Paying for Solar: Tips for Financing a Residential System

This article was originally posted on NeighborWorks America's website. NHS of New Haven is chartered member of the NeighborWorks network.


Paying for solar: tips for financing a residential system

Elaine Ulrich, program manager, Department of Energy | 7/28/2016 11:08:57 AM


Editor's note: Just like a renovated kitchen increases a home’s value, solar can do the same. The U.S. Department of Energy SunShot Initiative’s spotlight on solar and real estate highlights a variety of resources on the subject, including this blog post with useful information for anyone who is considering residential solar or is counseling someone who is. There also is information specific to homebuilders.

After you’ve made the decision to go solar, the next step is figuring out how to pay for it. Assuming you don’t have the cash to buy your solar energy system upfront, like the vast majority of Americans, there are a variety of financing options to help you hitch onto the solar bandwagon and start increasing the value of your home.

The simplest way to get capital to go solar is through a loan, which can save you anywhere from 40% to 70 percent over the lifetime of your solar panels. These loans are similar to most home improvement loans used to complete upgrades or renovations, such as finishing a basement or re-doing your kitchen. A variety of sources offer loans, including banks and solar installers.


HomeStyle Fannie Mae mortgage


A new type of loan is making solar energy accessible to even more people. Fannie Mae’s HomeStyle® Energy mortgage gives borrowers the ability to complete clean energy upgrades up to 15 percent of the as-completed appraised property value of the home. Borrowers are able to finance energy-efficient upgrades when purchasing or refinancing a home, eliminating the need for a subordinate lien, home equity line of credit, Property Assessed Clean Energy (PACE) loan, or unsecured loan. The mortgage requires homeowners to attain a home energy report in order to show the value gained through energy savings over time is greater than the installation price tag. The HomeStyle Energy mortgage changes the solar loan landscape. It will encourage solar installation companies to revisit their loan practices, allowing for more competition within the industry and reducing soft costs—such as permitting and installation—for consumers. People buying homes or refinancing mortgages now can have the cost of a solar array wrapped into their mortgages without worrying about higher interest rates.

Regardless of the type of loan you secure, the solar on your roof is going to add value to your home. A recent study found that home buyers across the country have been willing to pay a premium of about $15,000 for a home with an average-sized solar array. Another study found homes with solar panels sell faster than those without.


Other options


If you’re unable to secure a loan to purchase a solar energy system, you still have other options. You can obtain a third-party owned system through a lease or power purchase agreement (PPA) offered by some solar installers, whereby the installer owns and maintains your system. Solar leases require consumers to pay a fixed monthly payment that is calculated by assessing the amount of electricity the system is expected to produce. With solar PPAs, consumers buy the electricity generated by their rooftop system back from the installer at a set rate per kilowatt-hour. Although these arrangements are often offered with no money down, consumers don’t benefit from the rebates, tax breaks, and other incentives available to system owners. When the time comes to sell one of these homes, data shows that even though third-party owned systems add some complexity to the real estate transaction, the overall impacts are mostly neutral.

Financing is a big part of going solar, and several SunShot Initiative awardees are working to lower these costs. Incubator awardee Sungage Financial created a marketplace that provides homeowners with easy, online access to low-cost financing for solar equipment. Pilot programs in the Northeast have helped the company understand how to meet the needs of consumers, installers, and capital providers in order to successfully and efficiently deliver financing solutions. Additionally, work under kWh Analytics’ Incubator award uses data analytics to help investors understand the perceived technical and financial risks associated with solar, which will build investor confidence and enable more capital to enter the market for residential systems.

Consumers have a lot to consider when it comes to solar financing, but the end result is worth it: cleaner, more affordable energy that has the potential to greatly increase your home’s value.


The U.S. Department of Energy SunShot Initiative is a collaborative national effort formed to aggressively drives innovation to make solar energy fully cost-competitive with traditional energy sources before the end of the decade. Through SunShot, the Energy Department supports efforts by private companies, universities and national laboratories to drive down the cost of solar electricity to $0.06 per kilowatt hour. Learn more at energy.gov/sunshot.

Monday, July 18, 2016

Monday, July 11, 2016

Five Tips to Empower Renters

Five Tips to Empower Renters (from NeighborWorks America and NHS of New Haven)


Renter households increased from 34 million in 2005 to nearly 43 million in 2015. With the probability that more families will seek this housing, planning ahead can make the process easier. Working with trained staff at NeighborWorks organizations such as NHS of New Haven can help people become informed consumers of rental homes. 

Following these five tips can make renting a lot less stressful: 

1. Avoid rental listing scams.Scammers often advertise rentals that don’t exist or aren’t available, often known as phantom rentals, to trick people into sending money before they find out the truth. Signs you may have encountered a scam include a person telling you to wire money or they want the security deposit or first month’s rent before you’ve met or signed a lease. Report a scam by contacting local law enforcement and the Federal Trade Commission (FTC).

2. Get your finances and credit in shape.
Protect your money and pay as little as you can for the apartment you want by strengthening your credit. Nearly half of renters are paying more than 30 percent of their incomes in rent, according to arecent report by the Joint Center for Housing Studies of Harvard University. Financial counseling helps individuals strengthen their credit and establish savings goals. These habits can help you save enough money for a security deposit and help to improve your overall credit score. A good credit score is important because most landlords use a credit check to vet potential renters. Many NeighborWorks organizations offer financial coaching.  

3. Consider renter’s insurance.
Avoiding scams and strengthening your credit are essential. It’s also important to protect your belongings from loss or accidental damage.
Renter’s insurance protects the valuables inside your home whether you're living in an apartment or renting a house. If there were an incident like a fire or water leak, a landlord's insurance would cover the building itself but you would still need to replace your own belongings if damaged.


4. Select a moving company carefully.If your friends or family are not assisting with the move, research moving companies and find a trustworthy one. Read online reviews and check social media, along with asking friends and family for a recommendation. The right moving company can make your relocation go smoothly. Get estimates from a few moving companies to compare prices.            

5. Decide between a large managed property or apartment complex, or renting from an individual landlord.
Do your research and determine which one is best for you. Read online reviews, and if possible talk to current residents and ask what they like and don’t like about the property. Be sure to know your rights as a tenant, which can vary from state to state.