Does change still count? Cents, charity, community

How will you fund your charitable and gift giving this holiday season? From your checking account, a separate savings account, a change jar?

If you're like many people, you have a container filled with loose change from your cash transactions. Depending on the size of your container, from a coffee can to a wine jug, you could have the metallic equivalent of some “greenback” Andrew Jacksons ($20) or the elusive Benjamin Franklins ($100). That could certainly buy some warm clothing or a good meal for some people who need it.

As an AmeriCorps VISTA volunteer living on a poverty level income, my spare change is mostly pennies. I've used all my silver-colored coins for parking meters and library fines. At first glance the pennies look impressive, they feel solid and heavy, but they don't actually add up to much. Only a few businesses still believe in the capital power of those little copper coins. You can't use them in parking meters. They are bulky and take time to count. Some banks won't even exchange them for bills; they'll only take coins for deposit if you have an account with them.

In December 2009 CNN Money reported on a Federal Deposit Insurance Corporation (FDIC) study finding that 17 million Americans don’t have bank accounts. That’s “nearly 20% of all U.S. households earning $30,000 or less per year” who save their pennies at home. Even if each household had a dollar’s worth of pennies in the cookie jar, that’s $17,000,000 not working in our bank-based economy. It’s not gaining interest, not being used to fund businesses, home loans, car loans, educational loans, non-profits. Spare change adds up.

Initiatives like BankOn Kalamazoo County are designed to bring some of that loose change back into the mainstream economy. BankOn gives qualified people with low-incomes and/or poor-credit access to a more prosperous future, helping them establish or re-build their credit scores, through financial literacy training and low-fee or no-fee bank accounts. (For BankOn financial literacy classes, check out the Kalamazoo Neighborhood Housing Services schedule.)

As for me, I’m not sure where I will donate my accumulation of coins this year. It will be for the common good of the community. It’s a personal choice, of course, as are all financial decisions. I’m thankful I have some change I can share.

A Brief Introduction to Poverty - An Opportunity to Learn

Hi, One Southwest Michigan community. My name is Paula Adams. I am a new AmeriCorps VISTA with the Poverty Reduction Initiative based in Kalamazoo County. This means I am volunteering to live with a poverty level income allowance for 12 months while I work for PRI. (With the exception of the executive director, Jeff Brown, PRI is staffed by VISTA volunteers.)

During my VISTA year I will be doing PRI's communications and public relations. Our organizational mission is to reduce poverty by collaboration, education and economic activity. My goal is to build and strengthen relationships between PRI and our local, state and national partners. Please visit haltpoverty.org for more information about the Kalamazoo PRI.

I am grateful to have this opportunity, both personally and professionally. If any of you have seen the movie "Inception" written and directed by Christopher Nolan, one way to know you're not dreaming is by asking "How did I get here?" It's probably something many of the 43+ million Americans who live in poverty ask themselves every day. Unfortunately, they are not dreaming.

Here's the short version of my own answer:

Three months ago I had no idea that AmeriCorps existed. (AmeriCorps is the "stay-at-home" domestic sister of the global more "popular" Peace Corps.) In September the contract for my temporary workforce development position was ending and my own future was uncertain. I wanted to go back to marketing and communications work, but jobs are scarce and competition is tight. One lucky email from a colleague with this job posting changed my future, opening the AmeriCorps door, so to speak. Here I am today, my first week in the office, sworn into national service and just beginning to learn about poverty related issues.

Choosing AmeriCorps service was an easy decision and a difficult one. Is the work needed? Yes. Poverty rates have been increasing, not decreasing, up to 14.3% in 2009, according to the Census Bureau. We want to change that. But after all, who chooses to live in poverty? This is a big question on many levels. Do people actually choose poverty? Is our society choosing poverty? If so, why? What exactly is poverty, anyway? Is poverty merely living on a small income or is it something else?

These are some of the questions I have starting out. Maybe you share some of these questions. I'd like to hear from you. I see this blog as a forum to discuss the questions, answers, and explore potential solutions to the very real problems that result from poverty - hunger, homelessness, difficulty getting and/or keeping a job, the inability to provide opportunities for our children.

I believe we can only solve these problems together, as a community - local, national, global. I'd love to hear what solutions work in your area, in your household, in your state, in your nation. How can we help and empower each other to be prosperous and successful, whatever that means to us as individuals? I invite you to share your successes and your lessons learned. If you'd like to contribute a post, let me know.

Thank you for allowing me my voice as a "temporary" resident here. I am honored to do this work, and have a lot to learn. I will be challenged into new ways of thinking, of relating, and of strategizing in this job. As I learn, I will share with you whatever insights I gain, whether they be wise or foolish. I hope that you, my reader, will comment, contribute, and teach me in return. I am grateful to have you as a reader and a teacher.

Happy Thanksgiving. May you experience bounty and abundance for the day and the upcoming year.

Americorps Prepared to Expand

According to Washington Post columnist E.J. Dionne Jr., a bill to expand Americorps program from 75,000 to 250,000 volunteers appears ready to be passed by congress.

"This week, the House is expected to pass a bill that would increase the number of federally funded service slots to 250,000, and the Senate will soon begin moving similar legislation.

The House proposal won committee approval last week with overwhelming support from both parties."

It would also increase the education award Americorps receive from $4,725 to $5,350 and requires that it match any future increases in Pell Grant scholarships. Being an Americorps volunteer myself, obviously I have some embedded personal interest in the bill.

But beyond supporting myself, this bill will further aid poverty reduction efforts across the US in a extremely affordable way. Americorps are basically paid a poverty-level wage, so the cost of labor is insignificant. We also create millions of volunteers: it is estimated the current 75,000 in service responsible for creating over 2.2 million volunteers to their organizations.

Having Americorps volunteers work for the Kalamazoo County Poverty Reduction Initiative has greatly increased our capacity to fight poverty; it will certainly aid other organizations as well. I strongly recommend to anyone, young or old, this exciting opportunity to serve their country.To learn more on how to serve, visit http://www.americorps.org.