Posts Tagged ‘Programs’

August 31, 2018 · by pcriadmin · Featured, Pathway 1000, PCRI

As part of the Pathway 1000 initiative, PCRI is excited to host a seminar on September 26 focused on helping future homebuyers “get ready to be ready.” RSVP online and join us to learn what you need to know about income, debt, and getting prepared. PCRI’s homeownership team (pictured below) will help you understand how to make homeownership a reality, how much you may be able to afford, and where you can turn for help.

Space is limited, so don’t wait to sign up!

Date:  Wednesday, September 26, 2018

Time:  6:00 p.m. – 7:30 p.m.

Where: PCC Cascade Campus, Terrell Hall Rm 101 (705 N Killingsworth St.)

RSVP by 9/21: via PCRI’s our Eventbrite registration page HERE.

Interested in more information about PCRI’s financial education or homeownership programs? Learn more HERE. Additional classes are offered each month; check HERE for more information.

For questions or more information contact PCRI’s homeownership team by email or by phone at (503) 288-2923 x102.

May 14, 2018 · by pcriadmin · Pathway 1000, PCRI

As part of the Pathway 1000 initiative, PCRI is excited to host a seminar on May 30 all about mortgages. RSVP online and join us to learn what you need to know before you begin shopping. We’ll answer questions like how to get a mortgage loan and what the process is like. What it means to be mortgage ready or what questions to ask when selecting a lender. And what is a FHA, VA or Conventional loan?

Space is limited, so don’t wait to sign up!

Date:  Wednesday, May 30, 2018

Time:  6:00 p.m. – 7:30 p.m.

Where: PCC Cascade Campus, Terrell Hall Rm 101 (705 N Killingsworth St.)

RSVP by 5/28: visit our Eventbrite page at: http://pcri-homeownership.eventbrite.com/

Interested in more information about PCRI’s financial education or homeownership programs? Learn more HERE. Additional classes are offered each month; check HERE for more information.

For questions or more information contact PCRI’s homeownership team by email or by phone at (503) 288-2923 x102. Click the flyer (above, right) for a downloadable version.

February 4, 2018 · by pcriadmin · Featured, Pathway 1000, PCRI

PCRI’s Homeownership Education and Counseling program is proud to announce workshops and home buyer orientation sessions for 2018. The PCRI program assists low- and moderate-income first-time buyers in creating a successful homeownership plan. Twice-monthly orientations are the first step to enroll in the program and start on the path to becoming a homeowner. In addition, monthly workshops focus on specific parts of the home buying process, issues related to credit and debt, and other relevant topics.

Download a PDF document with dates and information about all of PCRI 2018 workshops or visit PCRI’s Eventbrite page to learn more and register. Homeownership orientations are held the first and third Wednesdays of the month, workshops are generally held the last Wednesday of the month.

In addition to workshops and orientations, one-on-one counseling is part of the program and is designed to help buyers overcome obstacles that would prevent affordable mortgage financing. We analyze financial and credit situations, identify barriers, and develop a plan to remove these barriers. We also work to assist participants with debt-load management by preparing a manageable monthly budget plan.

August 1, 2017 · by pcriadmin · PCRI

The most important step towards financial freedom is tackling a budget. Map out your goals, save money, keep track of your progress and make your dreams a reality. Join PCRI on Wednesday, August 30 to learn how to budget, find the motivation to save, and take home great tips on how to save money.

Budgeting made easy flier_083017Date:  Wednesday, August 30, 2017

Time:  6:00 p.m. – 7:30 p.m.

Where: PCRI Annex, 6601 NE Martin Luther King Blvd.

RSVP by 8/28: Via email to Marqueesha or by calling (503) 288-2923 x102

Interested in more information about PCRI’s financial education or homeownership programs? Learn more HERE. Additional classes will be offered each month; please check back for more information.

For more information contact Marqueesha Merriweather by email or by phone at (503) 288-2923 x102. Click the photo (above, right) for a downloadable flyer.

May 23, 2017 · by pcriadmin · PCRI

Credit Building Class Flyer_ 5.31.17Are you looking for the best deals on a car? Cell phone? House? Loan? Join PCRI’s financial education program May 31 for a credit building class that covers the ABCs of credit and includes insider tips on how to build credit, even rebuilding badly damaged credit. Understanding your credit is an important step to ensure you get the best bang for your buck.

When:  Wednesday, May 31, 2017 – 6:00 p.m. to 7:30 p.m.

Where: PCRI Annex, 6601 NE Martin Luther King Jr. Blvd., Portland

Due to limited seating please RSVP to Marqueesha Merriweather at (503) 288-2923 ext. 102 or by email. Click the photo at right for a downloadable flyer.

Interested in more information about PCRI’s financial education or homeownership programs? Learn more HERE. Homeownership welcome sessions are held twice per month and additional classes will be offered each month; please check back for more information.

February 7, 2017 · by pcriadmin · Featured, PCRI

Takara 02PCRI awarded two new laptop computers to school-age youth living in PCRI housing at the beginning of February 2017. The two laptops were gifted to PCRI by Comcast at a late-2016 event providing information about Comcast’s Internet Essentials program. After receiving the computers, PCRI invited youth to submit letters describing how they would benefit from having a new computer. While PCRI received many deserving submissions, two winners stood out:

If it wasn’t already evident in Takara’s letter that she loves to read and write, it quickly became obvious when she came into PCRI’s office to pick up her new laptop. Her face lit up when she described what she would be able to learn and write on her new computer.

Takara 09Similarly, her mother Tiffany beamed as Takara talked about the focus areas of the IB program and how she had earned bracelets for each of the program areas, including thinking critically, taking risks, caring, being open-minded and more. IB schools encourage students outside of the basic common core lessons “by developing inquiring, knowledgeable and caring young people who are motivated to succeed.”

Another youth picked up his new laptop from PCRI’s Maya Angelou Community Center.

“I have attended the Maya Angelou Community Center ever since it first opened,” wrote Joseph, age 14. “Since that time, I have usually used the center’s computers for homework, but now that I am in high school, by the time I get home the center is either closed or ten minutes to close. Never enough time.”

Joseph with New ComputerJoseph’s letter went on to describe how having a new computer would help him and both of his brothers with their studies and completing homework. Joseph was beyond happy when Resident Services Coordinator Adrena Christmas delivered the news that he had won the new laptop. His immediate response was that Ms. Adrena (as he calls her) was tricking him, but once he realized it wasn’t a joke, he thanked Adrena and PCRI over and over again for allowing him such a great opportunity.

“My teachers would usually assign work that needs to be on Google classroom, I cannot do it without a computer or internet capable device,” Joseph said. “My mother has tried hard to get one, but she never could afford to buy one. This computer will help me so much. My papers will be turned in on time, it will also give me something to do over the weekends.”

Since receiving his new laptop, Adrena remarked that Joseph has been in to the community center every day to work on it and she has noticed him become much more in tune with completing his homework.

“I will work as hard as I can to keep my grades up by using the device,” he wrote in his letter. “I will graduate by keeping my grades up by using the laptop that I am hoping to win.”

All of the staff members who read Takara’s and Joseph’s letters congratulate them on their new computers. PCRI staff look forward to reading more of Takara’s writing and seeing Joseph graduate in a few years from Grant High School.

About the Comcast Internet Essentials Program
Working side-by-side with schools, government, and non-profit partners, Comcast has connected more than 750,000 families—over 3 million low-income Americans—to the power of the Internet in their homes. This program has grown to be Comcast’s largest and most successful community investment initiative. Since 2011, Comcast has built a network of over 2,000 volunteers and over 9,000 non-profit and educator partners to help spread the word about Internet Essentials. All told, Comcast has provided more than $300 million of support for digital literacy training, benefiting over 4.4 million people.

January 17, 2017 · by pcriadmin · PCRI

The most important step towards financial freedom is tackling a budget. Map out your goals, save money, keep track of your progress and make your dreams a reality. Join PCRI on Wednesday, January 25 to learn how to budget, find the motivation to save, and take home great tips on how to save money.Budgeting made easy flier_1.13.17

Date:  Wednesday, January 25, 2017

Time:  6:00 p.m. – 7:30 p.m.

Where: PCRI Annex, 6601 NE Martin Luther King Blvd.

RSVP by 1/23: Via email to Linda or Suzanne or by calling (503) 288-2923

Interested in more information about PCRI’s financial education or homeownership programs? Learn more HERE. Additional classes will be offered each month; please check back for more information.

For more information contact Homeownership Program Specialist Linda Tellis-Kennedy or Financial Education/IDA specialist Suzanne Veaudry Casaus. Click on their names to contact them by email or contact them by phone at (503) 288-2923. Click the photo (above, right) for a downloadable flyer.

November 27, 2016 · by pcriadmin · PCRI

Credit Building Class flyer_11.1.16UPDATE 12/14: Seminar has been rescheduled due to winter weather conditions. This seminar will now be held on Tuesday, December 20.

Are you looking for the best deals on a car? Cell phone? House? Loan? Join PCRI’s financial education program December 14 for a credit building class that covers a renter’s credit building tool, the ABCs of credit and includes insider tips on how to build credit, even rebuilding badly damaged credit. Understanding your credit is an important step to ensure you get the best bang for your buck.

When:  Tuesday, December 20, 2016 – 6:00 p.m. to 7:30 p.m.

Where: PCRI Annex, 6601 NE Martin Luther King Jr. Blvd., Portland

Due to limited seating please RSVP to Suzanne Veaudry Casaus at (503) 288-2923 ext. 122 or by email. Click the photo at right for a downloadable flyer.

Interested in more information about PCRI’s financial education or homeownership programs? Learn more HERE. Additional classes will be offered each month; please check back for more information.

November 18, 2016 · by pcriadmin · Featured, PCRI

Spending and credit habits can be easily tested during the holiday season: from temptation to overspend on those perfect gifts to discounts offered to open a store credit card. So it seemed to be a good time to revisit some tips shared at PCRI’s October financial education seminar.

how-credit-cards-workMyth: To get a high score, run up high balances on your credit cards.

Reality: Using  lot of credit is usually NOT good for your credit risk score. Roughly 30% of a FICO score is determined by a person’s reported debt, with particular emphasis on utilization of revolving credit such as credit cards (utilization = balance divided by credit limit). A rule of thumb is that people with high credit stores typically keep their utilization under 25% on credit cards.

Myth: Paying your credit card bill down to zero every month will boost your score.

Reality: Paying off your credit card is a great habit! You’ll avoid spending money on interest and likely keep your credit usage in the “good” zone. But … this great habit doesn’t necessarily translate into a higher credit score because scoring agencies generally see the balance as of a particular date, not how much is paid each month.

Myth: To raise your score quickly, open a new credit card or take out a loan.

Reality: The FICO score considers a wide variety of information about each reported account. A propensity to open new accounts and a short history on new accounts will likely hurt one’s credit more than help it. But if you take on new credit only as needed and use it responsibly, negative impacts of the new account will generally be offset within a few months.

lead_960Myth: To raise your score quickly, close any unused credit cards.

Reality: While it might seem like closing a credit card would help one’s credit score, that’s rarely the case. Having unused or available credit is more often viewed as a sign of lower risk for creditors. And although closing a credit card might be a worthwhile tactic so you don’t have the temptation to spend money you don’t yet have, it likely won’t boost your score (and might actually hurt it).

But you want to improve your credit score. What do you do? Here are the top suggestions from American Reporting Company:

  • Bring active past-due accounts current—and keep them current
  • Keep credit balances as low as possible, especially on credit cards
  • Request correction letters for any reporting errors
  • Limit new applications for credit cards or store accounts, but leave existing accounts open

So what are the factors that determine a FICO credit score?

  • 35% is based on your payment history for all accounts
  • 30% is based on the amount you owe on accounts
  • 15% is based on how long you have been using credit
  • 10% is based on your applications for new credit
  • 10% is based on types of credit used

Of course, these are just tips and recommendations. Your credit score considers deeper and more complex factors that just these few bullet points. Luckily, we can help. Join one of our upcoming financial education seminars or call us at (503) 288-2923 to make an appointment to meet with us one-on-one.

November 3, 2016 · by pcriadmin · PCRI

Winter holidays can create challenges for any budget. But for families who are already fighting to make ends meet, the pressures of holiday gifts can be even more difficult. To help this holiday season, PCRI is partnering with Portland Fire & Rescue for their Toy & Joy Makers Toy Drive.

Toy Drive 6Residents interested in receiving toys for their children should contact Adrena Christmas by December 1, 2016. Registration is required for the Toy Drive; Ms. Christmas is available to provide assistance during the Maya Angelou Community Center’s regular hours.

Portland Toy & Joy Makers helps low-income families in the Portland area give their children toys for Christmas, which they have been doing since 1914. They rely on the generosity of the community in order to make this possible.

“Please continue to help make a Christmas wish come true for some girl or boy,” says Toy & Joy Makers to community members that would like to help. They accept donations of toys or money. Check their website for information about where to donate as well as suggested toy donations.

PCRI helps families each year as well, connecting and registering families for toy drives to help make the holidays brighter for deserving children. In 2015, 97 resident children received toys through these programs. PCRI also provides comprehensive financial wellness and budgeting classes to help families become and remain financially stable year-round. Interested in learning more? Email us or check out information on our programs.

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